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THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING BANKING UNIVERSITY OF HO CHI MINH CITY THAI ANH TUAN 050606180346 GRADUATION THESIS MAJOR FINACE BANKING CODE 7340201 SOLUTIONS FOR EXPANDIN[.]
THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING BANKING UNIVERSITY OF HO CHI MINH CITY - THAI ANH TUAN - 050606180346 GRADUATION THESIS MAJOR : FINACE - BANKING CODE: 7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH ACADEMIC ADVISOR DUONG THI THUY AN, PHD Ho Chi Minh City, June 2022 THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING BANKING UNIVERSITY OF HO CHI MINH CITY - THAI ANH TUAN - 050606180346 GRADUATION THESIS MAJOR : FINACE - BANKING CODE: 7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH ACADEMIC ADVISOR DUONG THI THUY AN, PHD Ho Chi Minh City, June 2022 I DECLARATION I honestly declare that this graduation thesis entitled “Solutions for expanding consumer credit at Sai Gon Joint Stock Commercial Bank – Dong Nai branch” is the final result of my original research work under the guidance of PhD Duong Thi Thuy An, my academic advisor The data in this thesis are used from legitimate and reliable sources from Saigon Joint Stock Commercial Bank - Dong Nai branch All citations in this thesis are indicated in the reference and in the body of the report I will take full responsibility for the authenticity of the thesis Ho Chi Minh City, June 2022 Thai Anh Tuan II ACKNOWLEDGEMENT Reality shows that in order to be successful at work, it is necessary to have the support and help of those around whether it is a little or a lot During the time since the graduation thesis proposal started, I have received the attention, guidance and help of teachers, family and friends around With extremely deep gratitude, I would like to express my sincere gratitude to the teachers of Banking University for using knowledge and enthusiasm to be able to convey to me the most valuable knowledge Besides, I would like to thank the staff at Saigon Joint Stock Commercial Bank - Dong Nai Branch for supporting me with knowledges and data Therefore, I can complete this gratuation thesis In particular, I would like to thank Ms Duong Thi Thuy An for her dedication and guidance through each talk and discussion on the research topic Those instructions and teachings helped my thesis outline has been remarkably completed Once again, I would like to send my sincere thanks to my teacher This thesis was conducted in 10 weeks and my knowledge was limited Therefore, I couldn't avoid my mistakes Thereby, I look forward to receiving comments from teachers in the school to help my graduation thesis become more and more perfect Thank you! III LIST OF ABBREVIATIONSS ABBREVIATIONS DEFINITION GDP Gross Domestic Product NPL Non-Performing loan SCB Sai Gon Joint Stock Commercial Bank VND Vietnam Dong SBV State Bank Of Vietnam etc Et Cetera IV ABSTRACT The commercial banking system is an important factor and take on many roles, affecting greatly the financial system and the economy of a country A country with an efficient banking system will contribute significantly to the prosperity of the country Currently, with the fierce competition among banks and the increasing demand from customers, banks are expanding their operation scale as well as increasing products and services for individuals and businesses In which, credit activities are still the leading portfolio and account for a large proportion of the annual revenue for commercial banks in Vietnam Therefore, improving both quantity and quality of credit is always an important and necessary thing in credit management In recent years, with the fast increase in prices of real estate products Many people see this as an opportunity to change their lives through this real estate investment channel The predictable result is that the need to borrow money to buy real estate which tends to increase massively and lose control This thing will cause many consequences for the economy With moves that tighten real estate loans of SBV, banks will turn to expand in more consumer loans That is the reason that I choose the topic "Solutions for expanding consumer credit at Sai Gon Joint Stock Comercial bank - Dong Nai branch" to research the reality of consumer credit and solutions to improve both in terms of quality and quantity of consumer credit The content of the thesis is limited to SCB Dong Nai's consumer credit research from 2017 to 2021 and exclude other credit activities The data provided by SCB Dong Nai to the author to serve the writing process With the method of research is investigation methods, analytical methods, synthesis, statistics and comparison In addition, the thesis also uses the bank's data sheet to calculate and achieve the goal of expanding consumer credit at Saigon Joint Stock Commercial Bank - Dong Nai Branch The author has reviewed and studied the current situation of consumer lending V activities of Saigon Joint Stock Commercial Bank - Dong Nai Branch in the period of 2017 – 2021 The author will make an assessment to look for the existing limitations as well as potential development opportunities that have yet to be used in the credit loan process of the bank Finally, the author will propose a number of ideas to overcome and minimize existing limitations in the consumer lending process as well as solutions to expand consumer credit VI LIST OF TABLE Name Page Figure 3.1 Organizational structure of SCB Dong Nai 24 Table 3.1 Capital mobilization of SCB Dong Nai in the period of 26 2017 – 2021 Table 3.2 Growth rate of capital mobilization of SCB Dong Nai in 27 the period of 2017 – 2021 Table 3.3 Loan balance of SCB Dong Nai in the period of 2017 29 – 2021 Table 3.4 Growth rate of loan balance of SCB Dong Nai Table 3.5 Growth of consumer loans balance of SCB Dong Nai in 29 36 the period of 2017 – 2021 Chart 3.1 Growth in consumer loans balance of SCB Dong Nai in 36 the period of 2017 – 2021 Table 3.6 Average consumer loans balance of SCB Dong Nai 37 in the period of 2017 – 2021 Table 3.7 Growth rate of average consumer loans balance of 38 SCB Dong Nai in the period of 2017 – 2021 Chart 3.2 The fluctuation of average consumer loans balance Table 3.8 Structure of consumer loans by term of SCB Dong Nai in the period of 2017 -2021 39 40 VII Chart 3.3 Structure of consumer loans by term of SCB Dong Nai in 40 the period of 2017 -2021 Table 3.9 Structure of consumer loans by purpose of SCB Dong Nai 42 in the period of 2017 -2021 Chart 3.4 Structure of consumer loans by purpose of SCB Dong Nai 43 in the period of 2017 – 2021 Table 3.10 Structure of consumer loans balance by guarantees of 44 SCB Dong Nai in the period of 2017 – 2021 Table 3.11 Growth rate of structure of consumer loans balance by 44 guarantees of SCB Dong Nai in the period of 2017 – 2021 Table 3.12 Growth in consumer loan income of SCB Dong Nai in 45 the period of 2017 – 2021 Table 3.13 Overdue debt ratio for consumer loans at SCB Dong Nai 47 in the period of 2017 – 2021 Table 3.14 Bad debt for consumer loans at SCB Dong Nai in the period of 2017 – 2021 48 ... credit at Saigon Joint Stock Commercial Bank - Dong Nai Branch The author has reviewed and studied the current situation of consumer lending V activities of Saigon Joint Stock Commercial Bank - Dong. .. SITUATION OF EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH .24 3.1 ABOUT SCB DONG NAI .24 3.1.1 Scio-economic situation in Dong Nai povince ... DECLARATION I honestly declare that this graduation thesis entitled ? ?Solutions for expanding consumer credit at Sai Gon Joint Stock Commercial Bank – Dong Nai branch? ?? is the final result of my