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BO GIAO DUC VA DAO TAO TRG G DAI HOC KINH TE TP.HCM TRYONG PHY©C HAI GIAI PHAP PHAT TRIEN DICH VU NGAN HANG DIEN TY TAI NGAN IhING THYONG MAI CO PHAN CONG THYâNG VIET NAM - CHI NIIẳNH DONG NAI CHUYEN NGANH: KINH TE TAI CHINH — NGAN HANG MA SO 60.31.12 LUAN VAN THAC SY KINH TE NGG HUNG DAN KHOA HOC PGS-TS TRAN HOANG NGAN OGIAODUC DAOT Toi xin kinh giii lcii c:inn on chan den Ban gi:inn hi(u, c:ie thay co tracing Dai Hpc Kinh Té TPHCM, c:ic to chirc va cii nhan da truyen dat kien thuc, cung cap tai li(u can thiét cling voi nhung cau tr:i lcii giflp Hi hoan D(ac biet tfii xin giii lcii cam on den Thay Tran Hoéng Ngan - Hi(u Timing Dai hpc Kinh Té TPHCM — da nhiet tinh hucing dan tfii hoan luan van Va tfii ciing xin c:tin cin tat ca cac khiich hang, gia dinh va ban bé da giup d‹i tfii t ‹ii gian qua Luan van chac chan khfing the tr:inh khoi nhiing thiéu sot, toi mong nhan dvicio nhung y kién dong gop xay dung cfia Quy thay co va cac ban Tran trpng L6p TCDN Dem - Khoa 16 - Tru‹ing Dai Hpc Kinh Te TP.HCM DANH MU.C TO VIET TAT ACB: Ngan hang Thuong mai co phan A Chau ANZ: Ngan hang TNHH Mot vién ANZ (Vi(t Nam) ATM (Automatic Teller Machine): Miiy rtit tien tu dong Habubank: Ngén hang Thuong mai co phan Nha Ha Noi S HSBC: Ngan hang TNHH Mot vién HSBC (Viet Nam) Navibank: Ngan hang Thuong mai co phan Nam Viet NHNN: Ngén hang Nha Nuoc NHTM: Ngan hang Thuong mai POS (Point of service): Thiét bi ban hang (hay gpi la may chap nh(an the) i Sacombank: Ngan hang Thuong mai co phan Sai Gon Thuong Tin 11.Techcombank: Ngan hang Thuong mai co phan Ky Thuong 12.Vietinbank Dong Nai: Ngan hang Cfing Thuong chi nhiinh Dong Nai 13.Vietinbank Vi(t Nam: Ngan hang Cfing Thuong Vi(t Nam 14.VPBank: Ngan hang Vi(t Nam Th|nh Vuong DANH MU.CHINH VE, BIEU DO VA BANG BIEU LO4 M€1 DAU Ly chpn dé tai: Hoi nhap quoc té la xu the tat yéu ciia hau hét c:ie nén kinh té trén the gioi Viet Nam cung khong ngoai 1( Sau hon 20 nam Hi vnéi, nen kinh te Vi(t Nam dang ciing hoi nhap sau rong hon voi nen kinh té thé gioi Vi(c chinh thuc trci thanh vién thu 150 cua To chuc Thuong mai The gioi da mo rat nhieu cc hoi nhung dong thoi cung da)t khong it thiich thtic d i Vi(t Nam noi chung va c:ie ngan hang thuong mai noi riéng, phiii dc›i ma(t voi nhung th:ich thuc tu’ phia cite ngiin héng nuoc ngoai - nhiing ngan héng khong chi in ve trem luc tai chinh ma cfin co nhieu kinh nghi(m vi(c phiit trién cac dich vu ngén hang di(n tit Truoc boi ciinh do, VietinBank noi chung va VietinBank Dong Nat not riéng da trién khai rat nhieu san pham d|ch vq ngiin héng die.n tit dap ung nhu cau cang cao va da d g ctia khach hang va cung da dat dupc nhung cfing dig ké Tuy nhien, cac sén pham dich vu ngan hang dren tti tar VietinBank Dong Nai hien kha nhieu han ché, da(c bi(t la so voi cac ngan han nuoc n o“i V‹ii mong muon tiép tuc day manh hon nua c:ic d|ch vu ngan héng di(n tu, gop phan uang cao nang luc canh tranh ciia VietinBank Dong Nai, tfii d5 chpn de tai “Giai phap phat trién dJch vu ngan hang di(n tit tar Ngan hang TMCP Cong Thuong Vi(t Nam — Chi nhtinh Dong Nat” lam lua(n van tot nghi(p ciia minh Muc tiéu nghien emu: Dua vao cc sci ly luan, thuc trang phat trién d|ch vu ngiin hang di(n th va qua khiio s:it su hai long ciia kh:ich hang, de tai se phan tich vi the ciia Vietinbank Dong Nai h( thong ngan hang trén d|a ban tinh Dong Nat, dieu tra muc hai long ctia kh:ich hang ve d)ch vu ngan hang di(n tu ciia Vietinbank Dong Nai tit dna giai phap ph:it trién dich vu ngan hang di(n tu tar Vietinbank Dong Nat Phwong ph:ip nghién cfru: Co s‹i nghien cuu dua trén phuong phap luan ciia chit nghia va)t bien chting va chu nghia vat l|ch su Ben canh tac gia co su dung phuong phap khiio s:it, thong ké, thu thap du li(u, phan tich de dna két lua(n Giéi thi(eu két cau cfia khéa lua( n: Ngoai phan mo dau, két lua(n, danh muc tai 1i(u tham khao, danh muc cac tii viét tat, npi dung ctia lua(n van gom chuong: •l• Chuong I: Tong quan ve dich vp ngfin h rig di(n tit •l• Chuong II: Thuc trang ve viec cung ting d|ch vu ngan hang di(en tit tai VietinBank Dong Nai •l• Chuong III: Giai phiip phiit trién dich vp ngdn hang dien t tar VietinBank Dong Nat CRUONG I — TONG QUAN VE DJCH VU NGAN BANG DIEN TO 1.1 C:ie djch vu ngfin hang di(n tfr 1.1.1 Call centre Call centre la dich vp cung cap thong tin chung, thong tin c:ie nhan hoac tra lc i thac mac ctia khach hfing 24/24 gici khach hang gpi dren thoai ve chung ciia ng n hang dc› va' céi nn thé cua gpi ve trung tain d(ich vu call centre 1.1.2 Internet banking Internet banking la siin pham d)ch vu giup khach hang thuc hi(n truy ca(p nhung thong tin can thiét, thuc hi(n cite giao dich tai chinh nhu chuyen tien, toiin trqc tuyén, thong qua mang Internet bang c:ich truy cap vao website ciia ngén hang vao bat cu luc nao ma khfing can phiii den ngan hang giao dich Ngan héng ph:ii co h( thong b:to mat dii manh dam bao an toan giao d|ch qua Internet ctia khach hang va de dfii voi riii ro trén pham vi toan cau 1.1.3 D)ch vu ngfin hang tpi nha (Home banking) VđisiinphamMammbankin khachhan câthmthumhi(ngiand| chmhuyộntidy 1i(t ke giao dich, ty gi:i, lai suat, giay b:to no, giay bao co vcii ngan hang qua mang nhung la mang noi bo (Intranet) ngan hang xay d g riéng D|ch vu ngén h:ing tai nha dvioc xfiy dijng trén m(ot hat nen ting: h( thong cac phan mém ring dung (Software Base) va nen tang cong ngh( web (Web Base), thong qua h( thong may chu, in:Eng Internet va in:iy tinh ctia khach hang, thong tin tai chinh se dupe thiet 1a(p, ma hoa, trao doi va x:ie nhan giua ngan hang va khach hang Do do, de sit dung dich vu nay, khach hang phai co in:iy tinh dupe noi voi h( thong in:iy tinh cua ngan hang thong qua modem — duéing di(n thoai quay so, dong their khach hang phat dang so di(n do) ng qua die(n thoai (Phone-banking) Phone-banking la h( thong tra lcii d o( ng hoat dong 24/24, kh:ich hang nhan vao cac phim trén ban phim die(n thoai theo ma ngan hang guy d|nh truoc, dé yéu cau tong dai cua d|ch vu tra lcii thong tin can thiét thong qua cac phim chuc nang duoc dinh nghia truoc nhu thong tin ve ty gi:i hoi doiii, lai suat, giii chung khoiin, thong tin so du tai khoan, cac giao d|ch Khi dang sit dung dich vp Phone-banking, khach hang sC dupe cung cap mot ma khach hang, hoa)c ma tai khoiin va theo dich vu déng , kh:ich hiing co the sts ding nhieu dich vp khiic 1.1.5 D)ch vu ng$n hang qua di(n thoai di dong (Mobile-banking) Mobile banking la mot hinh thuc toan qua he thong in g di(n thoai di dc›ng Ve nguyén tae, day chinh la guy trinh thong tin ducic ma hoa, bao mat va trao d i giua trung tain xu 1y ciia ngan hang va thiét bi di dong ciia khiich hang V‹ii so di(n thoai di dong da dang , khach hang se duoc cap mot ma so c:i nhan (PIN) de xiic nhan giao d|ch oan iMa cung cap ;c vu toan yeu cau 1.1.6 Djch vu thé ngan hang The ngén hang la mpt nhung phuong tien toan khong diing tien m a)t to chuc phat hanh the phat hénh de thuc hi(n giao d|ch the theo cac dieu ki(n va d i‘eu khoan cac bén thoa thu(an Khiich hang co the sts dijng the de rtit tien ma)t hoac chuyen tien tar ciic in:iy rtit tien dpng ATM, toiin tien hang hoa tar ciic miiy POS ho)ac giao di|ch tar cac ngén h rig dat ly - Theo pham vi ski dung co hai loai the: The not dia: La the dvicic ID chuc phat hénh the tai Vi(t Nam phat hanh dé giao d|ch lanh tho nuoc Cong hoa xa hpi chit nghia Vi(t Nam tin cay Cronbach Alpha ciia ph Phu luc 3.2: Ph in tich n tin tir‹rng Reliability Statistics Cronbach's Alpha Based on Standardized Cronbach's Items Alpha 773 N of Items 775 Item Statistics Mean 3.94 3.59 3.77 4.23 TT1 TT2 TT3 TT4 Std Deviation 708 767 777 737 N 100 100 100 100 Summary Item Statistics Item Means Mean 3.883 Minimum 3.590 Maximum 4.230 Range 640 Maximum / Minimum 1.178 Variance 074 Item-Total Statistics TT1 Scale Mean if Item Deleted 1159 TT2 TT3 TT4 11.94 11.76 11.30 Scale Variance if Item Deleted 3.09 3.431 2.912 3.444 Corrected Item-Total Correlation 69A 459 682 488 Scale Statistics Mean 15.53 Variance 5.322 Std Deviation 2.307 N of Items Squared Multiple Correlation 267 480 312 Cronbach's Alpha if Item Deleted 656 780 659 763 N of Items Phu lijc 3.3: Phan tich tin c§y Cronbach Alpha ciia phan Sjy phfin hoi Reliability Statistics Cronbach’s Alpha Based on Cronbach's Alpha 854 Standardized Items N of Items Item Statistics Mean 3.75 3.47 3.70 3.53 PH1 PH2 PH3 PH4 Std Deviation 821 881 798 703 N 100 100 100 100 Summary Item Statistics Item Means Mean 3.613 Minimum 3.470 Maximum 3.750 Range 280 Maximum / Minimum 1.081 Variance 018 Item-Total Statistics PH1 PH2 PH3 PH4 Scale Corrected Squared Scale Mean if Variance if Item-Total Multiple —Item Deleted —Item deleted —“OorreIation —Correlat 10.70 4.131 711 521 10.98 3.939 704 515 10.75 4.169 729 546 10.92 4.701 651 457 Scale Statistics Mean 14.45 Variance 7.179 Std Deviation 2.679 N of Items Cronbach’s Alpha if Item Deleted 808 813 800 834 N of Items 69 Phu luc 3.4: Ph in tich tin c§y Cronbach Alpha ciia phan S;y dtim ban Reliability Statistics Cronbach's Alpha Based on Standardized Items Cronbach’s Alpha 852 N of Items 852 Item Statistics Mean 3.84 3.88 3.78 3.82 DB1 DB2 DB3 DB4 Std Deviation 801 756 860 809 100 100 100 100 Summary Item Statistics Mean Item Means 3.830 Minimum Maximum 3.780 3.880 Range 100 Maximum / Minimum 1.026 Variance 002 Item-Total Statistics DB1 —DBA DB3 DB4 Scale Mean if Item Deleted 11.48 11.44 11.54 11.50 Scale Variance if Item Deleted 4.212 4.512 4.029 4.273 Corrected Item-Total Correlation 717 662 708 683 Scale Statistics Mean 15.32 Variance 7.210 Std Deviation 2.685 N of Items Squared Multiple Correlation 530 451 523 473 Cronbach's Alpha if Item Deleted 800 824 805 815 N of Items 70 Phu luc 3.5: Phan tich dfj tin cay Cronbach Alpha cfia phan Reliability Statistics Cronbach’s Alpha 548 Cronbach's Alpha Based on Standardized Items 559 cfim thfing N of Items Item Statistics T1 CT T4 Mean 3.47 3.69 3.49 4.10 Std Deviation 745 706 689 823 N 100 100 100 100 Summary Item Statistics Item Means Mean 3.688 Minimum 3.470 Maximum 4.100 Range 630 Maximum / Minimum 1.182 Variance 085 Item-Total Statistics CT1 HTS CT3 CT4 Scale Mean if Item Deleted 11.28 11.06 11.26 10.65 Scale Variance if Item Deleted 2.244 2.360 2.518 2.573 Corrected Item-Total Correlation 424 408 344 188 Squared Multiple Correlation 193 209 158 044 Cronbach’s Alpha if Item Deleted 397 416 469 609 N of Items 77 Phu luc 3.6: Ph in tich tin c§y Cronbach Alpha cfia phan cfim thfing Reliability Statistics Cronbach’s Alpha Based on Cronbach’s Alpha 609 Standardized Items 610 N of Items Item Statistics Mean 3.47 3.69 3.49 T1 T2 CT3 Std Deviation 745 706 689 N 100 100 100 Summary Item Statistics Item Means Mean 3.550 Minimum 3.470 Maximum 3.690 Range 220 Maximum / Minimum 1.063 Variance 015 Item-Total Statistics CT1 Scale Variance if Item Deleted 32.1 6.96 1.332 7.16 1.449 Scale Statistics Scale Mean if Item Deleted 7.18 CT2 CT3 Mean 10.65 Variance 2.573 Std Deviation 1.604 Corrected Item-Total Correlation 408 Squared Multiple Correlation 17—1— Cronbach's Alpha if Item Deleted 26 456 392 208 157 454 546 N of Items N of Items Phu luc 3.7: Ph in tich tin c§y Cronbach Alpha cfia ph n Siy htm hinh Ibn Reliability Statistics Cronbach’s Alpha Based on Cronbach’s Alpha 727 Standardized Items 731 N of Items Item Statistics Mean 3.66 ¶ 72 4.04 4.10 4.03 HH1 HH2 HH3 HH4 HH5 Std Deviation 755 712 790 823 731 N 100 100 100 100 100 Summary Item Statistics Item Means Mean 3.910 Minimum 3.660 Maximum 4.100 Range 440 Maximum / Minimum 1.120 Variance 041 Item-Total Statistics —IHHE HH2 HH3 HH4 HH5 Scale Mean if Item Deleted 15.89 15.83 15.51 15.45 15.52 Scale Variance if Item Deleted 4.463 4.587 4.172 5.240 5.323 Corrected Item-Total Correlation 603 611 669 326 Scale Statistics Mean 19.55 Variance 6.957 Std Deviation 2.638 N of Items Squared Multiple relation 713 711 450 151 144 Cronbach's Alpha if Item Deleted 633 634 602 764 738 N of Items 79 Phu luc 3.8: Ph in tich tin c§y Cronbach Alpha ciia phan Siy htm hinh fin Reliability Statistics Cronbach's Alpha Based on Cronbach's Alpha 764 Standardized Items N of Items 764 Item Statistics Mean 3.66 3.72 4.04 4.03 HH1 HH2 HH3 HH5 Std Deviation 755 712 790 731 N 100 100 100 100 Summary Item Statistics Mean Item Means 3.863 Minimum Maximum 3.660 4.040 Range Maximum / Minimum 380 1.104 Variance 040 Item-Total Statistics Scale Mean if Item Deleted 11.79 < 3— 11.41 11.42 HH1 —HH HH3 HH5 Scale Variance if Item Deleted 2.915 Corrected Item-Total Correlation 681 Squared Multiple Correlation 713 Cronbach's Alpha if Item Deleted 643 2.931 3.862 699 622 709 388 136 637 675 839 Scale Statistics Mean 15.45 Variance 5.240 Std Deviation 2.289 N of Items N of Items Ph;; luc 3.9: Ph in tich tin c y Cronbach Alpha ciia ph n S;y hfru hinh fin Reliability Statistics Cronbach's Alpha Based on Cronbach’s Alpha 839 Standardized Items 843 N of Items Item Statistics Mean 3.66 3.72 4.04 HH1 HH2 HH3 Std Deviation 755 712 790 N 100 100 100 Summary Item Statistics Item Means Mean 3.807 Minimum 3.660 Maximum 4.040 Range 380 Maximum / Minimum 1.104 Variance 042 Item-Total Statistics HH1 HH2 Scale Mean if Item Deleted 7.76 7.70 Scale Variance if Item Deleted 1.740 1.848 Corrected Item-Total Correlation 779 779 Squared Multiple Correlation 712 709 Cronbach's Alpha if Item Deleted 699 707 7.38 1.975 568 323 910 Scale Statistics Mean 11.42 Variance 3.862 Std Deviation 1.965 N of Items N of Items 75 Phu luc 3.10: Phfin tich tin c"ay Cronbach Alpha cfia ph n S;y hai léng Reliability Statistics Cronbach's Alpha Based on Cronbach's Alpha 801 Standardized Items N of Items Item Statistics Mean 3.59 3.63 3.71 HU HL2 HL3 Std Deviation 712 825 701 N 100 100 100 Summary Item Statistics Mean Item Means 3.643 Minimum 3.590 Maximum Range 3.710 Maximum / Minimum 120 1.033 Variance 004 Item-Total Statistics HU HL2 —HL Scale Mean if Item Deleted 7.34 7.30 Scale Variance if Item Deleted 1.782 1.606 91 Corrected Item-Total Correlation 690 629 633 Scale Statistics Mean 10.93 Variance 3.601 Std Deviation 1.898 N of Items Squared Multiple Correlation 478 402 414 Cronbach's Alpha if Item Deleted 686 757 744 N of Items 76 PHU LUC 4: PIN TICD NHAN TO KHAM PHA Phy luc 4.1: Phfin tich nhan tii khfim ph:i c:ie bien doc l§p KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Bartlett's Test of Sphericity Approx Chi-Square df Sig Communalities TT1 TT2 TT3 TT4 PH1 PH2 PH3 PH4 DB1 DB2 DB3 DB4 CT1 CT2 CT3 Initial 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Extraction 706 490 772 440 684 712 675 490 668 598 664 679 502 643 620 HH1 HH2 HH3 1.000 1.000 1.000 874 865 610 Extraction Method: Principal Component Analysis .842 918.028 153 000 77 Total Variance Explained Comp onent Initial Eigenvalues %» of 10 11 12 13 14 15 16 17 18 Cumulative Total , Variance 6.604 36.688 2.516 13.977 ] 385 7.697 %« 36.688 50.665 58.362 1.187 894 791 687 6.594 4.965 4.393 3.815 64.956 69.921 74.314 78.129 651 596 499 420 370 336 305 3.614 3.309 2.771 2.333 2.054 1.867 1.697 1.462 1.097 926 742 81.743 85.052 87.822 90.155 92.209 94.076 95.773 97.235 98.332 99.258 100.000 263 197 167 134 Extraction Sums of Squared Loadings Cumulative % of % Total Variance 6.604 36.688 36.688 2.516 13.977 50.665 1.385 7.697 58.362 1.187 6.594 64.956 Extraction Method: Principal Component Analysis Component Matrix(a) Component TT1 TT2 TT3 TT4 PH1 PH2 PH3 PH4 DB1 DB2 DB3 DB4 548 551 591 748 718 783 684 795 645 725 699 CT1 CT2 CT3 HH1 HH2 HH3 535 674 538 525 649 512 563 Rotation Sums of Squared Loadings % of Cumulativ Variance e% Total 4.952 27.513 27.513 2.726 15.146 42.659 2.205 12.248 54.906 1.809 10.050 64.956 84 Extraction Method: Principal Component Analysis a components extracted Rotated Component Matrix(a) Component TT1 790 674 858 615 TT2 TT3 TT4 PH1 PH2 PH3 PH4 DB1 DB2 DB3 DB4 790 796 731 630 712 758 799 791 CT1 CT2 CT3 HH1 HH2 HH3 774 739 893 874 ggg Extraction Method: Principal Component Analysis Rotation Method: Varimax with Kaiser Normalization a Rotation converged in iterations Phy luc 4.2: Ph$n tich nhan tfi kh:inn ph:i thang mfrc hai long KMO and Bartlett’s Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .706 Approx Chi-Square df Bartlett’s Test of Sphericity Communalities Initial 1.000 1.000 1.000 HU HL2 HL3 Extraction 760 695 704 Extraction Method: Principal Component Analysis Total Variance Explained Initial Eigenvalues Component Total 160 471 ,369 % of Variance 71.985 15.701 12.313 Cumulative %« 71.985 87.687 100.000 Extraction Method: Principal Component Analysis Component Matrix(a) Componen HU HL2 HL3 872 834 839 Extraction Method: Principal Component Analysis a components extracted Extraction Sums of Squared Loadings Total 2.160 % of Variance 71.985 Cumulative % 71.985 Descriptive Statistics HL HH Mean 3.6433 3.8067 Std Deviation 63255 65508 CT 3.ssoo s3oso TT PH_DB 3.8825 3.7213 57675 63212 N 100 100 100 100 100 Correlations Pearson Correlation HL HH CT TT PH_DB HL 1.000 501 370 548 HH 501 1.000 280 525 CT 370 280 1.000 164 TT 548 525 164 1.000 PH DB 411 399 464 340 411 399 000 464 000 340 000 1.000 000 052 000 000 L Sig (1-tailed) T 002 TT 000 000 100 100 100 100 100 PDB L T TT 052 000 100 100 100 100 100 000 100 100 100 100 100 100 100 100 100 100 PDB Model Variables Entered Variables Removed [n H_DB, TT, Method Enter CT, HH(a) a All requested variables entered b Dependent Variable: HL Model Summary(b) Mod el R R Square Change ,652(a) R Square Adjusted R Spare Std Error of the Estimate F Change df1 df2 425 401 48944 a Predictors: (Constant), PH_ DB,, TT, CT, HH b Dependent Variable: HL Durbin- Sig F Chang e 425 Change Statistics R F Square Chang Change e df1 17.590 95 Watson df2 000 Sig F Change 1.740 81 ANOVA(b) Sum of Squares Mode l Regression 16.8ss Residual Total 2.758 ts.612 df 95 Mean Square 4.214 240 F 17.590 Sig .000(a) 99 a Predictors: (Constant), PH_DB, TT, CT, HH b Dependent Variable: HL Coefficients(a) Unstandardiz ed Coefficients Mode l (Constant) HH CT TT PH_DB B os3 200 239 405 109 a Dependent Variable: HL Std Error 445 093 106 102 094 Standardized Coefficients Beta 207 200 370 109 t Zeroorder 118 2.160 2.264 3.983 1.164 Sig Partial 906 033 026 000 247 Correlations Part 501 370 548 411 Tolera nce 216 226 378 119 VIF 168 176 310 091 ... dong M:iy So don vi chap nhan the Don v| Nam 2001 Nam 2002 142 526 Nam 2003 2004 41 64 1.768 Nam 2005 122 Nam 2006 180 2007 245 Nam 2008 548 Nam 2009 705 Nam 2010 2.339 8.924 15.179 37.946 84.325... 12.Vietinbank Dong Nai: Ngan hang Cfing Thuong chi nhiinh Dong Nai 13.Vietinbank Vi(t Nam: Ngan hang Cfing Thuong Vi(t Nam 14.VPBank: Ngan hang Vi(t Nam Th|nh Vuong DANH MU.CHINH VE, BIEU DO VA... Vi(t Nam — Chi nhiinh Dong Nai Tinh den th:ing 6/2010 Vietinbank Dong Nai co 135 ciin bo nhan vien voi phong ban, phong giao dich va 01 guy tiét ki(m da)t tai c tru sci chinh Du kién den cuoi nam
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