CÁC YẾU TỐ ẢNH HƯỞNG ĐẾN HOẠT ĐỘNG TÍN DỤNG TRUNG VÀ DÀI HẠN TẠI NGÂN HÀNG TMCP KIÊN LONG

CÁC YẾU TỐ ẢNH HƯỞNG ĐẾN HOẠT ĐỘNG TÍN DỤNG TRUNG VÀ
DÀI HẠN TẠI NGÂN HÀNG TMCP KIÊN LONG – CHI NHÁNH CẦN THƠ
2.1.Giới thiệu về Ngân hàng TMCP Kiên Long:
2.1.1. Lịch sử hình thành và phát triển:

 !"#$%&'%#''()*+,-"
./%#&%#''(,0144 Phạm Hồng Thái, Phường Vĩnh Thanh Vân, TP.Gạch Giá, Tỉnh Kiên
Giang)".(%#.%.&&234"5617189:;<!4 =:
4">?;@,-=?
)
A;-,-*BC,D=E7FG0H4
=I01=14:#J.KFJ5"=14:LM)&&&K
F)8:,JLN;,I,-O-P!,D=EOQ
>;ORI)
S4#(T;!DO>JLOU;-!DO>;,J
=V=,;D)84W
:XOQY4:JA+4JR50R!Z;B6
=C:N=!DO>D0R!Z;B6=C;IG;4<!4:*D
JD!+"4Y4[L-)
\;,-]“Ngân hàng Kiên Long – Sẵn lòng chia sẻ”)
2.1.2. Sản phẩm và dịch vụ chính:
9:!DO>D0R!Z;B6=CXOQJ !O4^:G;4
XDJ;UO-6!Y)D0R!Z;B6=C*]
Các sản phẩm:
90R!Z;4"-=1]_^:*0DL04<<!B`J
O>^:D\O@4"-W34J4"5;LJT;0ND
a
90R!Z;*BC]B,D,@="]RLJOB^DD
B:!bO>="4BEJ["c0Hc<!J;4J;4[
JORN!"JY;1<"dNDJ="*<!a
Các dịch vụ:

D0R!Z;O4"1]4">JOR
e0OfJ4?,:)))O,"JL!DO>D
0R!Z;B6=C]g6=Chh_Ji-6=3415)
.)#)M) Hệ thống kênh phân phối:
NOC0U*,Số44 Phạm Hồng Thái, Phường
Vĩnh Thanh Vân, TP. Gạch Giá, Kiên Giang. 8:"JN/2D=
jB6,P!D=E5OQ>;ORI)C>]4=^!*
_PF;8-=8Rj]N.D=/jB6J,O4F;
7kJD8jJ7]NMD=/!jB6J4=^7
;_-F;!18F*J7FJ_@g\]NMD=#.
jB6=4=^"F;lJ8 4lJ7FD!JY\J
_5OJ_,4JmlJ9nJO9]N#&D=M.j
B6)
2.1.4. Các đối tác liên kết:
L5=I9:+45DO>o7,Q
5)8,DI!]lD;14pqJ9TDg:!)
rLs5,4F^=I7,Q5JNJOd
0t,4F^J,4:>W!u0=
Q !1>4">BC=)9!*0t5! 0=5
^ !=0t =;=:0=1:!)0t<!Q?
0=v54Q)
rs5!D5=I1D
w4m_=?"g46hljh4O0)s5Jm_
xOO,4F^J4">:J
5D0R!Z;)h4O0s5!D0txO*Y
4" - =1J; 5  4"> 34  0HBCD 0R!Z;  B6  =C  B
4<!*BCJHJDiB46)))7FdJm_=
h4O0r;5;4?!YT=14:)
2.1.5. Tình hình nhân sự:
2.1.5.1. Sơ đồ tổ chức:

Hình 2.1. Sơ đồ tổ chức Ngân hàng TMCP Kiên long
(Nguồn: Ngân hàng TMCP Kiên Long – Chi nhánh Cần Thơ)
2.1.5.2. Tình hình nhân sự:
8434;,-=R;R
!C=CNJ4":!J @J=T;60^) O,!D
O>J;,I";UO-J4F^LA
TR=<=01)
 !O4,4F^J["B^34"O@4">BCW
t>4">Q=NT^=;4"5=I=:)*541T;
.&&'J?01=#)y&(dT\#y&Y0=I
,Y4 !)ON01_9NO@-,Q=O,Q5;Y/&zJ
j,-r-D=)
2.1.6. Các thành tích đạt được:
_G=*OD.&&#o.&&(N!!Y=0^:!{"
B^=_R=:?341BI*!OW)_G_-OU_-
*==:<!1*0D45T;.&&()d468:!
-9:;)T;.&&/ X!=<-
 !eq==B^N .RUe0O;f4=^7g\
=O4;g6=C*pB)
".2%#.%.&&/J6I8{89:;s34"56OW84
\-,=|O\8
LN*[4<0PODAT;.&&.c.&&2JN!!Y*^=
0^:!["B^n[L-=R=:?341)
2.2. Giới thiệu về Ngân hàng TMCP Kiên long – Chi nhánh Cần Thơ:
2.2.1. Quá trình thành lập và phát triển:
JDY\*+=,-"
.2%#&%.&&/,012m7,-8j_@JdmJS4 4JY\)
Y\L34\MT;,-JO34DO@!DO>J=I
0^},040P6!d_lD;1=0^x^A !>D-
=)Y\L=344HD=:!DO>I

;,=I4-B4B,J!!XD!+6!d4Y40R[4<
BD!Y5)OJY\j:434R
*BCJ,0^ "J*:;1=I4DJN!!Y;T=65=
\:4O6!1)
O34DO@,-Y\LN-!D
O>;,IO6)Y\)O\==,-lgD
~TJlg11Jlg|;=lg9n,,0^4 D
5B6J=15 "dN4Y4)
2.2.2. Chức năng, quyền hạn và nghĩa vụ của Kienlongbank Cần Thơ:
2.2.2.1. Chức Năng:
B:J=J,-*BC=DB6=CD34
D)7Y4DB^D!DO>5[L-J4<!*BCD
JDJD>4\)4<!=
•
R:Jd01D
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
I!B)7Y4}6*!D5C>•
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=^5
:!B6=C)7R;RDJV*; D,-34"6=*
BCV=D)
.).).).) Quyền Hạn:
ƒ4Y4D4<!
„
4+;B^DY4J!\D0R[4<
BJ!\D!C=Cd01Ra!E!=I34"6!D!4 
W34"6)
>;OJD;0D34DO@="J0HBC=1="=ORDJ^
:R<!Dn=CO

…
)<;B+="J4F
OI,W4">34D,!D:D4<!0:J=
!,;!F*BC)
5,OR;DORJY\N34"
4">34D,=[Hs0RR;R="†4 O!F>4
F34"6!D!4 JW"4Y4dR
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^:n=CR

‚
1=IDR
‚
="=1)U:D=!,;!F
*BC34"6!D!4 )
‚R;="34"5:W*0D
*!)\<4,dORJ4}‡,ORJ;4D34"6
8)
2.2.2.3. Nghĩa vụ:
;5^:†4 O87g=R; =ID)
^:n=C=451=II)434"6J34"5*!
O;Q,-4
…
)_DD*5-_-
*)4V=R34RF0\*BC)
2.2.3.Cơ cấu tổ chức:
2.2.3.1. Sơ đồ tổ chức:
Hình 2.2. Sơ đồ tổ chức Ngân hàng TMCP Kiên long – CN Cần Thơ
(Nguồn: Ngân hàng TMCP Kiên long – CN Cần Thơ)
.).)M).) Bộ máy tổ chức hoạt động:

_-;D"?+Y\F;#D=yj
B6)ONJN<R#($D-=)C>]
Ban giám đốc:4,-JsB4":!F*BC)
8IB`JD;0D^:X+TJ:;=C!,;=,-<!OJ
Bˆ,-*J4"-=1J*BC)N34",J;‰:;J
UD-=O\34)
Phòng kinh doanh:^:="P,JO4=B,)>;0DJ
Bˆ34DO@0HBCD;N="DJ^:D:!=CRLJ5
<4JD5<4)4<!*BC:1JDD1J["
B^5,=O5,,-*BC)lX!=:=;;4
4O=:0,RD=TRJdO@34:!=C<!*BC)
jBF;M-! ]
lŠw7‹
)lŠw7‹)lŠw7‹
j8
*
jl
g6
)5D
S4Œ
j
g
)Z;76
hR
D
S415
*gC _- 
ORlN!"
• Bộ phận trả góp ngày:64OD:;OD:!=C="ORN!"J !D
+ARJ4J4L="34"6J>;OF0\!D="J6

;+BJ,;+!D="-D=)
• Bộ phận tín dụng: +4@;>46OdJ@;5;D)5! =
Z;6F0\="=1J0RR;R)))D)BˆF0\0JP
DORLJ1J^:4">N;J4F34"6);;4
=[4<D:!D!R5JTdT^,OJR34"5NT)
• Bộ phận thanh toán quốc tế:^:D3415J;4D,:J4">
O=IJ4">!; 4B6)))?+34Rs=4OVF0\
D3415J !D+A5DN34JDD34"6=
"4Y4dNZ;34")
Phòng Kế toán - ngân quỹ:S4RsD5DJ34Œ)>;5;J
!,JNN346)64OD:;4"-HJ5:;)
^:D:!=CD=>;0DD,-DO--)
?!5DB*DJT;J !5,
€
*JBˆJ
?!D!*JDD@@^:5,6‡)
Phòng hành chính:hP![5!J1O*J4-0^J>;O*434"
6J34"5)Bˆ534R=:D-=O!,;=Z;34"
!) S4RsF0\0^J5! F0\[=:JBˆ@@
0^,DJBˆd,D?:;J !=s!F-)5! 
4">D4JUA8-0U)64OD:;34Rs=0HBC
B<434"6)
Tổ thẩm định tài sản:4 !J4O=34RsVG;Z;6
=!jAOO*BCJZ;6DR="34"6J?+Z;O
DZ;6DDO^4-)
Phòng giao dịch:X!DJB:!4 O=:UJ="=1J
5! D0R!Z;B6=C)7Fd^:54";
DJB,D1DJ:434R4"-=1J !O4=1
;C4!DO>B:!O6)
2.2.4.Hoạt động của Kienlongbank – Chi nhánh Cần Thơ:

2.2.4.1. Đặc điểm hoạt động:
Y\;-\;,?!YJBI0^},4
…

8-0U,lJI5D!+"4Y4Z";,,-5=D;C
4!DO>5G;N!!Y9:;OUI:!=T;
.&.&JY\AIT
…
6;-O4*<!
=ID,-"54]
84"-=1P,JO4=B,D?+4-D!Y
5=BBID@+HDJH5:;N‡,J‡
,=!DD<"dNDO6OD!54J‡!54a
5! =1"DY4=!DO>D?+JDO=
I)4+=1D!Y5=BBI4@+)Y;1
D\!54JOD!54=D,<"dND)
g6=CDVDD)g6=C4">O=
I)DB6=CJ:*D34"68)
2.2.4.2. Kết quả hoạt động kinh doanh của Kienlongbank Cần Thơ trong những năm 2008 –
2010:
O\MT;,-JY\4RDJ!O
4n=^]4"-=1J*BCJDa["B^D!;=:;IJ
,:!=C4";JD!BCQ:=34"O@:!=CG;
N>;,:434R<)WBE64D!^,OO<O6
!1Y\J=I0^1P?^5;@-rD-=J0^
34"5D=P;P@@5_D;1LX!NV
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