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1 Graduation Thesis DECLARATION Signed hereby, certify hereby that this is my own research The content and the figures presented in the thesis reflected a fair and true situation of the internship org[.]
1 Graduation Thesis DECLARATION Signed hereby, certify hereby that this is my own research The content and the figures presented in the thesis reflected a fair and true situation of the internship organization Ha Noi, May 9th, 2016 Student Pham Thi Thuy Hang Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis ABSTRACT This thesis is aimed at studying situation and solutions to improve the efficiency of credit operation to SMEs in Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city from 2012 to 2014 This thesis was clearly analyzed through using the following methodology: comparing, statistics, analysis, synthesis, description, etc All data were collected from the financial statement, income statement, annual reports of SCB – Hong Bang branch from 2012 to 2014 It can be said that the branch has gained some achievements in improving the efficiency of credit operation through facilitating loans to SMEs in the period of economic crisis, success in controlling bad debts and overdue loans and implementing some appropriate strategies about the structure of banks' loans and loan security However, there are still shortcomings including low loan sales to SMEs, low outstanding loans to SMEs, unprofessional in lending procedures, only focusing on loans to SMEs in the short term From the results, some proposals were given to the Government, the State Bank of Viet Nam, SMEs and SCB's headquarter Hopefully, this thesis will provide general support for SCB– Hong Bang branch, Hai Phong city to have a better result in credit operation to SMEs in the near future Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis ACKNOWLEGEMENTS To fulfill this thesis, I would like to give my special thanks to many people for their significant helps, contributions, recommendations and encouragement during my writing process Firstly and foremost, I would like to give my heartfelt thanks to Ms Pham Phuong Oanh, my supervisor who has provided me the valuable support, practical insights and helpful feedback from the beginning of forming thesis’s topic until the completion Secondly, I also express profound gratitude to all staffs of SCB – Hong Bang branch, Hai Phong city, credit department and especially Mr Do Thanh Trung, my instructor for his enthusiastic instructions and useful data that he gave to me In addition, I highly appreciated indirect support from Finance - Accounting Department staffs, who gave me a straightway instruction, reminded me of the internship schedule, supported reference documents, and were always available anytime for help Finally, I owe my sincere thanks to my family and friends Their continuous assistance and encouragement helped me a lot during time of internship and attempt to finish this study Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis TABLE OF CONTENTS DECLARATION i ABSTRACT ii ACKNOWLEGEMENTS iii TABLE OF CONTENTS iv LIST OF ABBREVIATIONS vii INTRODUCTION CHAPTER LITERATURE REVIEW 1.1 Commercial banks 1.1.1 Definition 1.1.2 Basic activities of commercial banks 1.1.3 Bank credit 1.2 Small and medium - sized enterprises (SMEs) 11 1.2.1 Definition 11 1.2.2 Characteristics of SMEs 11 1.2.3 Roles of SMEs 12 1.2.4 Standards of SMEs in the world and Viet Nam 13 1.2.5 SMEs in Viet Nam and Hai Phong 1.3 Credit operations to SMEs 15 16 1.3.1 Definition of lending 16 1.3.2 Features of credit operation 17 1.3.3 Goals of credit operation 17 1.3.4 The efficiency of bank credit 1.4 The necessity of credit efficiency improvement 18 22 Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis CHAPTER 2: CURRENT SITUATION OF CREDIT OPERATION TO SMEs IN SAI GON JOINT STOCK COMMERCIAL BANK, HONG BANG BRANCH, HAI PHONG CITY 23 2.1 Overview about Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2.1.1 The formation and development of Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2.1.2 Structure of SCB, Hong Bang branch, Hai Phong city 24 2.2 Current situation of business operation in SCB, Hong Bang branch, Hai Phong city in 2012-2014 25 2.2.1 Capital mobilization activity 25 2.2.2 Lending activity 28 2.2.3 Business result of SCB, Hong Bang branch, Hai Phong city 30 2.3 Current situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.3.1 Credit products and services to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.3.2 The process of granting credit terms to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.3.3 Scales and the situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city 36 2.4 Evaluation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city in 2012-2014 47 2.4.1 Achievements in credit operation efficiency to SMEs in SCB, Hong Bang, Hai Phong city 47 2.4.2 Limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 49 2.4.3 Reasons for limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 50 Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis CHAPTER 3: SOLUTIONS TO IMPROVE THE EFFICIENCY OF CREDIT OPERATION TO SMEs IN SCB, HONG BANG BRANCH, HAI PHONG CITY 52 3.1 Development orientation of SCB, Hong Bang branch, Hai Phong city 52 3.1.1 General orientation of SCB, Hong Bang branch, Hai Phong city 52 3.1.2 Orientation towards the improvement of credit operation efficiency to SMEs in 2015-2020 53 3.2 The experience of some countries in Asia about credit operation to SMEs and lessons learned to Viet Nam 54 3.2.1 The experience of some countries in Asia about credit operation to SMEs 54 3.2.2 Lessons learned to Viet Nam 55 3.3 Solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city 55 3.3.1 Focusing on the quality of capital mobilization activity 55 3.3.2 Building a flexible lending rate mechanism to SMEs 56 3.3.3 Improving the efficiency of appraisal to SMEs 56 3.3.4 Simplifying loan procedures, loan profile to SMEs 57 3.3.5 Regular monitoring of credit to SMEs 57 3.3.6 Completing the information system 58 3.3.7 Improving the level of credit officers 58 3.4 Recommendations to the government, State Bank of Vietnam, SMEs and SCB's headquarter 59 3.4.1 Recommendations to the Government 59 3.4.2 Recommendations to the State Bank of Viet Nam 59 3.4.3 Recommendations to SCB's headquarter 60 Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis 3.4.4 Recommendations to SMEs CONCLUSION 61 62 REFERENCE 63 LIST OF ABBREVIATIONS AOF Academy Of Finance EBT Earnings Before Tax ECU European Currency Unit ESAF Enhanced Structural Adjustment Facility EU European GDP Gross Domestic Product GSO General Statistic Office JPY Japanese Yen No Number ODA Official Development Assistant SCB Sai Gon Joint Stock Commercial Bank SISME Science Institution of Small and Medium - sized Enterprise SMEs Small and Medium - sized Enterprises Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis US United States VND Viet Nam Dong Pham Thi Thuy Hang CQ50/51.02 Luan van Graduation Thesis LIST OF FIGURES AND TABLES Figure 1: Organizational structure of SCB, Hong Bang branch, Hai Phong Table 1: Types of loans in commercial banks Table 2: Standards of SMEs in some countries 13 Table 3: Standards of SMEs in Viet Nam 14 Table 4: Total mobilized capital of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 26 Table 5: Lending situation of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 29 Table 6: Business results of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 31 Table 7: Loan sales to SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 36 Table 8: The outstanding loans to SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 38 Table 9: The outstanding loans situation to SMEs was classified by term in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 39 Table 10: The situation of outstanding loans to SMEs was classified by collateral in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 41 Table 11: The situation of the outstanding loans to SMEs was classified by economic sectors in SCB, Hong Bang branch, Hai Phong city in 2012-2014 42 Table 12: The rate of SMEs' overdue loans in SCB, Hong Bang branh, Hai Phong city from 2012 to 2014 44 Table 13: The rate of bad debts of SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 45 Pham Thi Thuy Hang CQ50/51.02 Luan van 10 Graduation Thesis Table 14: Income ratio of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 46 Pham Thi Thuy Hang CQ50/51.02 Luan van ... improve the efficiency of credit operation to SMEs in the Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city" to study 2, Aims of the study The study focused on the efficiency. ..2 Graduation Thesis ABSTRACT This thesis is aimed at studying situation and solutions to improve the efficiency of credit operation to SMEs in Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang... reflect the efficiency of credit operation to SMEs including the process of granting credit to SMEs, credit products and services to SMEs, the current situation of lending activity to SMEs, debt