I H C AN GIANG
KHOA KINH T - QU N TR KINH DOANH
T T NGHI
T QU HO
IH C
NG KINH DOANH
C A
IC
CH
N 2014 - 2016
PHAN TH NG C HI N
AN GIANG, 5-2017
PH N
C
I H C AN GIANG
KHOA KINH T - QU N TR KINH DOANH
T T NGHI
T QU HO
IH C
NG KINH DOANH
C
IC
IAO D
N 2014 - 2016
PHAN TH NG C HI N
MSSV: DKT131434
GI
NG D N: TS. NGUY N H
AN GIANG, 5-2017
PH N
C
NH
A GI
M1
A GI
M2
L IC MT
t qu ho
ng kinh doanh c
m i C ph
c
d ng l i m
m t s trang b ki n th
cu c s
cm
g il
n:
-
trong
i h c An Giang, Khoa Kinh t - Qu n tr
ch ct
i ki n th c, kinh nghi
-
o
th c hi
i C ph
u ki n thu n l
th c t p t
tr t
hi
t t nghi
c t p.
- Xin g i l i c
.
u ki n v t ch
-
c
y Nguy n H
ng d
c hi
ng d
pc
v ki n th
th c hi
t pt
i th c hi n
Phan Th Ng c Hi n
i
c
L I CAM K T
li
v khoa h c c
tx
u c a ri
ng k t lu n m i
trong b t k
i th c hi n
Phan Th Ng c Hi n
ii
M CL C
Trang
L IC MT
i
L I CAM K T .................................................................................................. ii
M C L C ........................................................................................................ iii
NG....................................................................................... vi
H ....................................................................................... vii
DANH M C T
VI T T T ......................................................................... viii
1: M
1.1
U ......................................................................................... 1
h c n thi t c
............................................................................... 1
1.2 M
u .................................................................................... 1
1.3
u ............................................................... 2
1.4 P
u ............................................................................. 2
1.5 K t c u c
u...................................................................... 3
T ...................................................................... 4
2.1 T ng quan v
i .......................................................... 4
i (NHTM)........................................... 4
2.1.2 B n ch t .................................................................................................... 4
nc
2.1.3 Ch
a NHTM.............................................................................. 5
2.2 T ng quan v ho
2.3 P
....................................................... 4
ng kinh doanh............................................................ 5
m v k t qu ho
ng kinh doanh ............................................ 5
m
ng............................................................... 6
t qu ho
ng kinh doanh c
i .......... 7
p c a NHTM ................................................................. 7
a NHTM .................................................................... 8
i nhu n c a NHTM ................................................................ 8
2.4 P
n swot................................................................................. 9
iii
mm
m y u ........................................................................... 9
c ................................................................................. 9
3:
I C PH N
C .............. 10
3.1 K
C
TMCP P
C
An Giang PGD
c ......................................................................................................... 10
3.2
ub
ch c c
c.................................................. 12
3.3
c......................................................... 14
m c a vay v n s n xu t kinh doanh c
u ki n cho vay c
3.4
c .......... 14
c ................................................. 15
p v kinh doanh ch y u c
.................................... 15
ng ti n g i ................................................................................... 15
3.4.2 Ho
ng cho vay .................................................................................. 16
3.4.3 Kinh doanh ngo i t ................................................................................ 16
K T QU
U............................................................ 17
4.1 Th c tr ng ho
ng v n ......................................................... 17
4.2 Th c tr ng ho
ng s d ng v n ........................................................... 19
cho vay .................................................................... 19
thu n ....................................................................... 24
....................................................................................... 27
n............................................................................... 30
4.3
t qu ho
ng kinh doanh ...................................... 32
p ................................................................... 32
...................................................................... 34
i nhu n .................................................................. 36
4.4
a OCB
mm
c ........................................................... 37
my uc
................................................ 37
c ............................................................................... 39
K T LU N, GI
N NGH ................................. 41
5.1 K t lu n...................................................................................................... 41
iv
.................................................................................................... 41
5.2 Gi
5.2.2. Gi
5.2.3. Gi
u qu
o ngu
ng v n:..................................... 41
c: ........................................................ 42
5.3 Ki n Ngh ................................................................................................... 42
iv
.................................................................................. 43
iv
c................................................................................... 43
U THAM KH O ............................................................................... 44
PH L C ........................................................................................................ 45
v
Trang
B ng 1: Doanh s cho vay theo m
a OCB
c
2016................................................................................ 22
B ng 2: T tr ng doanh s cho vay theo m
c
a OCB
2016............................................................... 23
B ng 3: T tr ng doanh s thu n theo th i gian c a OCB
c
2016............................................................... 25
B ng 4: Doanh s thu n theo m
a OCB
c
2016................................................................................ 26
B ng 5: T tr ng doanh s thu n theo m
c
B ng 6
2016............................................................... 27
theo m
qua 3
a OCB
a OCB
c
2016................................................................................ 29
B ng 7: T tr
theo m
a OCB
c
2016................................................................................ 30
B ng 8
2014
p c a OCB
c
2016 ................................................................................................. 32
B ng 9: T tr ng thu nh p c a OCB
2014
2016 ................................................................................................. 33
B ng 10
2014
a OCB
c
2016 ................................................................................................. 34
B ng 11: T tr
2014
c
a OCB
c qua
2016 ................................................................................................. 35
vi
Trang
.......................................... 10
t ch c b
c ...................................................... 12
n xu t kinh doanh c
c ..................................................... 14
: Bi
th hi
c qua 3
ng v n c a OCB
2016............................................................... 18
th hi n t tr ng doanh s cho vay c a OCB
2016............................................................... 19
th hi n doanh s cho vay c a OCB
2016............................................................... 20
thu n c
2104
2016 ................................................................................................. 24
2014
2016 ................................................................................................. 28
2014
2016 ................................................................................................. 31
i nhu n c
c
2016................................................................................ 36
vii
DANH M C T
VI T T T
NH:
NHTM:
i
PGD:
ch
SXKD:
S n xu t kinh doanh
DPRRTC:
D
TMCP:
i c ph n
KD:
Kinh doanh
DV:
D ch v
TCTD:
T ch
NHNN:
ng
c
viii
Trong xu th h i nh
gi
ra nhi
i cho m
th
d
-
n
Vi
c gia nh
m i doanh nghi p, m
n kinh t i Vi t Nam hi n
tb
is
pc
v
t
t nhi
c.
c c i thi
t ph
trong nh
c gia nh p WTO m ra nhi
hi
c nh tranh gay g t, ho
s
ch v
ra
i ph
iv
ng v
p v , d ch v c
d
v
t nt
n
c k t qu cao
ng, m
u
d ng v
y, nh n th y t m quan tr ng c a hi u qu ho
ng kinh doanh
t qu ho
ng kinh doanh c
i C ph
giao d
t d ng kinh doanh (KD) c a
h
t qua ho
ng
kinh doanh c
u th c hi n nh
t qu ho
th bao g m:
- Th c tr ng ho
ng kinh doanh t
c.
-
t qu ho
ng kinh doanh t
c.
1
ng kinh doanh c a
c. M c
- K t lu n
nt
giao d
xu t gi
n ngh
nh
c.
ng v n, s d ng v n
thu nh
t qu ho
s
i nhu n, huy
ng kinh doanh
c
Ph
u:
-V
c.
- V th
n cu
nt
Gi i h
u: ch
n 2014
n 2016.
u k t qu ho
ng kinh doanh t i
2016.
1.4
p s li u:
li u thu th p ch y
ng kinh doanh c
ng k
i
c.
d ng nh ng s li
c thu th p t
i vi c v
ng nh ng ki n th
c
Thu th p
a NH t
i tr c ti p v
i NH.
i tr c ti p v
i NH.
c ph
s li u th c p t
Thu th p s li
li u: s d
s
li u c a t ng ch
ra bi
i nh
ch
bi
tuy t
ng hay
c ph
d ng
ng v m
c a
ng gi
i nhau.
tuy
tuy
i:
i = Doanh s c
i:
2
Doanh s
i=
tuy t
Doanh s
i
x 100
p thi t, m
c u, ph
t c u c
u.
doanh, v ho
Swot c
nv
ng kinh doanh c
i, v ho
i
ng kinh
n
c.
v
t qu ho
ng kinh doanh t
n 2014 2016, qua ch
s d ng v n.
t lu n
p, l i nhu
xu t gi
p
3
ki n ngh
c giai
ng v
Theo Lu
ch
nh c a lu
Ch
ng (2010), n
c th c hi n t t c
p
.
ho
Lu
ng kinh doan
mm
c th c hi n t t c
nh c a
i nhu n.
Theo Nguy
doanh nghi
c bi
n, 2012, b n ch t c a NHTM
t lo
kinh t
ch v
ng trong m t n n kinh t , v
nghi
i t ch v kinh t
kinh t
Ho
ng c
ng kinh
ho
n, ph i t ch v
c bi t ho
ng kinh doanh ph i nh m m
i
nhu
m l i nhu n ph
ch
tc
c. Ho
ng kinh doanh c
ng kinh
doanh ti n t
ch v
v
c bi
ch
c ti
nt tc
nm im tc
i s ng
kinh t c ti n t
yc
i m t s th n tr
nh ng thi t h
i.
Theo Lu
ch
c a NHTM: nh n ti n g
i ti n g
;p
phi
ng v
th
cho vay; chi t kh
gi y t
nh v ho
h n, ti n g
h n, ti n g i ti t ki m
ng ch ti n g i, k phi
;c
t kh
chuy
ng; bao thanh
ct
iv
c
4
ct
cc
c ch p thu n; m
; cung
g ti
; cung
ch v
th c hi n d ch v
c bao g
nh chi, y nhi m chi,
nh thu, y nhi
ng, th
ch v thu h
;
th c hi n d ch v
ct
c
ch v
sau khi
c ch p thu n.
hi
Theo Nguy
n (2012)
n: ch c
ng nh t c a NHTM.
i trung gian
ng: l
Khi th c hi n ch
chuy n v n ti n t t
gi
u. V i ch
ng l i nhu
nt ol
h
t nh n g
i g i ti
ch
tc
:N
qu
i, th c hi
uc u
HTM cung c p cho KH nhi
nl
y nhi m chi, y nhi m thu, th
n, th
ng chuy n
kho
th kinh t ti t ki m th
mb
trong thanh
ung ng d ch v
ng: d ch v
NHTM cung c
thu
ng hoa h
ch v
ut
i nhu
ch v
ng h tr
t ho
ch
ng
n
nh n cung
n ho t
Theo Nguy
n (2012), c
th c a ch
g m: D
n ti n qu c n i; DV ki u h
t ; DV
o qu n, thu h , chi h , m
cung c
;
n t (E-Banking).
ph
k t qu
Theo Nguy
t ph
a n n kinh t
n (2010), k t qu ho
s d
th c hi
t qu
5
n ti n qu c
t
nl cs
thu
i nhu
uv
n kinh doanh (v n c
bao g
nh, v
ng ti n
Doanh thu c a m
ng
n, mua c ph n, thu v kinh
d ch v
n th a ch x
n ti n ph t theo quy ch
doanh ngo i t
am
ti n g i, chi tr
ho
v
m nh ng kho n sau: chi tr
phi
kinh doanh ngo i t
ng kinh doanh.
n vay, tr
ho
L i nhu
c a NHTM. L i nhu
c
iv
t ch
ng h
ng kinh doanh
h
c ph
ph
m
.
u 2 theo Quy
a th
a t ch
a t ch
c hi
R
- NHNN
ng trong ho
ng
y ra t n th t trong ho
ng
c hi n ho
c
i r i ro l n nh
i r i ro ch y u c a r
R
i r i ro t n t
ng nh t trong ho t
yt
n li n v i ho
ng
t kh
chuy n
a
Theo Nguy
sinh r i
ro, r
i sau:
- R i ro giao d
cc ar
ng h n ch
t cho
ph n: r i ro l a ch n, r i ro b
r i ro nghi p v .
6
R i ro l a ch
a ch n nh
hi u qu
ra quy
nh cho vay.
b
R i ro b
u kho n trong h
mb
kho
r
R i ro nghi p v
ng cho vay, bao g m c vi c s d ng h th ng x p h ng
thu t x
.
- R i ro danh m
sinh t
nb
m
m b o, ch th
m b o.
c
cc ar
ng h n ch trong qu
c cho vay c a NH,
i ro n i t
i ro t p trung.
R i ro n i t i: Xu
u t
a m i ch th
m ho
ng ho
kinh t
c
m s d ng v n c a
n.
R i ro t
iv im ts
ng h
ho
nh; ho
Theo Nguy
t th
c l i nhu
p trung v n cho
u doanh nghi p
c kinh t ; ho c
i ro cao.
t lo
n (2012), Ho
then ch
ng c a NHTM trong n n kinh
i nhu n. Mu n thu
nm
n
nm
Theo Nguy
n (2012)
kho n thu nh p c a NH bao g m 2
kho n:
- Thu v
t kh
- Thu v d ch v
ch v
n g i, d ch v thanh
- Thu t
n, mua c ph n; thu v
kinh doanh ngo i t
7
nghi p v
d ch v
kho n thu b
ch v
o qu n cho
Theo Nguy
n; thu kinh doanh b o hi m; thu
t, c
n (2012)
Chi v ho
m:
ng v
ng
n ti t ki
k phi
Chi v d ch v
(v n chuy
veefe m ng vi
: chi v d ch v
m, b o v
d ch v
n
Chi v ho
ch
ngo i t
Chi n p thu
c
b oh
c,
o hi m y t , tr c p
i.
ng, b o hi
c
Theo Nguy
n (2012), l i nhu n c
m2
ch
L i nhu
c thu = T ng thu nh p
L i nhu n sau thu = L i nhu
Theo Nguy
thu nh p b
ho
ng d ch v
bao g m nhi u lo i, tr
L i nhu
v n nh m m r
gi
c
T
c thu - Thu thu nh p
n (2012), mu
r
p trung qu
i nhu n c n ph i:
u
ng
t ki
t trong nh ng y u t quan tr ng quy
nh
i ti n chi
i nhu n
r
i thi
c,
ch v
n l i nhu
pc
i, vi c t o ra l i nhu
tr ng trong ho
8
n thi
d
ng v
l nm
s
ng h u hi
2.4
m m nh: k
th
m
c, ho
, k thu t, ngu
t tr
i th
m m nh theo thang c p b c sau: r t m nh, m
my uc
cl iv
m m nh c
m y u ch y u theo thang c p b c: r t y u, y
d ng chi
n tr
cd
n Swot.
ic
ti
y ut
khu v c th
ng c
ng. Ch ng h
cs
cv
ng h
a
.
iv i
ch chi n
c th c hi n m
c
ng thu n l i b i m t s
ng kinh t b n v
c c t gi m thu
iv i
c: vi c th c hi n m
c ti
ng c
cs
ng thu n l i hay b c n tr b
ng ch ng h
i th c nh tranh lo i ra kh
ng m
m ch
ng d ch v do l c h u v
cr
ng
u quan tr ng c n thi
i ho
d nt
ng h p s
,
i thu n l i ho c tr
i ho c nguy
n ra nh
ng i cho vi
i h n, s p x
u nh t t
ngu n l
m
ut
i nh
i theo b c thang: su t s c, t
c: hi
nguy k
9
t s
y, c n s d ng nh ng
i t t nh t
m m
m y u v
p x p
ng, th
ng, nh ...
AN GIANG
nH
c
p
a ch : 76 78 Nguy
c, t nh An Giang.
n tho i: (076) 6 256 256
Fax: (076) 6 250 250
ch m i,
ns g
hi
i.
S n ph m c
ng t
kinh doanh c
i v i cho vay PGD ch
h
n th ch
n ph
d
n xu t kinh doanh.
n xu
ho
ng cho vay c
ng,... ph c v cho nhu c
ng, trong ph m vi
m t l i th c
; vay s a ch
n ph m chi m ph n l n trong
t nhi u s n ph m
Logo NH:
(Ngu n: website: www.ocb.com.vn, 2017)
10
Logo m
c
k th a nh
y ut
x ng t m v
m nh t i Vi
m
nd
th
m nh m
i
n cho OCB m t di n m o m i
ml c
c v th
ti p t
n m nh
u. M
ng c p c a m
Logo bao g m hai ph n:
Bi
ng ti n c , logo m
ng, tinh t
ti
v
ng nh
h pt b
o.
ng ti
ng.
ng s d
th
a th hi
o
T
ih
p
ng
m tin tr n
c
G nk
ng nh
ut
v
s n l
ng
ti
c thi t k m v i nh ng kho ng tr ng nh t o ra s chuy
ng c a
b
nt
s
y trong vi c kinh doanh.
mt
p
mc
i Vi
a l i Th
a OCB d
truy
Bi
ng ch : V
a th hi n s
v , v a th hi
c s v ng ch
ng ch
V
ti
hi n cho s th
t k ch
ng trong d ch
m nh n m
i
i ki u ch
c
c, logo s d
n
pv
n m t tr
cr
nh c
hi
s tr
g
ng
c th
ch v c a OCB.
11
c s c s ng,
n,
u t ch c b
2
c minh h
h 2.
t ch c b
c
y, t ch c b
p.
. Ti
n, Gi
qu . Cu
m i ho
c
nhi m qu
c quan h
m
m quy n cao nh t t
ng kinh doanh c a PGD, qu
ph n thu c PGD.
12
h
nh
B ph
bao g
n
Ch
ung c
n ph m ti n g i ti t ki m c
n KH.
Nhi m v : gi
cm
n nh
n ph m
i i thi u ti p th
i th
d ng, h tr b
ch v m
n ti n g i ti t ki m, tham gia
p th qu
n ph m.
B ph n d ch v
.
Ch
d ch v c
theo ch
k
m ki
ch v
n ph m
nh c a OCB.
Nhi m v : th c hi n m , qu
nc
cung c
n ph
ng ti n g i, d ch v
c, d ch v thu chi ti n m t, thu h
chi h , d ch v th
t s d ch v
c s n ph m c
nh hi
h i
h pv
ch
,
n ho
ng c
n
th c hi n nghi p v kho qu
nh c a OCB, h ch
pv
p th
h c hi
u th
ng, l
ho ch kinh doanh,
B ph
Ch
c quan h
ung c
ng c
h c hi n
i
c trong vi c tri n khai k ho
Nhi m v : t
m
ph m d ch v c
v
tri
u
p th
t ch ho
ng v
u
n s n ph m, th c hi
ho
i nh m m r ng danh
uv s n
qu
u th
ng k
13
i ro ti m
u th
ng
ng, l