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f ■ *1 |Rwj I _*>■ ~tXM( SK»! K»M o •^uc/ n TRUONG DAI HOC KINH TE QUOC DAN boCQcs -DAI HOC K.T.Q.D TT THONG TIN THU'VIEN PHONG LUAN AN-TVLIEU VU THU THUY NANG CAO NANG LUC DOI VU• • • NGU CAN BO • NGHIEP • TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN • • NONG THON CHI NHANH THANH TRI Chuyen nganh: Kinh te phat trien LUAN VAN THAC SY KINH TE • • Ngtrcri huong dan khoa hoc: TS VU THANH HUdNG Ha Noi, Nam 2013 LOI CAM DOAN Toi xin cam doan luan van “Nang cao nang luc ddi ngu can bo nghiep vu tai ngan hang Ndng nghiep va Phat trien ndng thon chi nhanh Thanh Tri” la cong trinh nghien cuu doc lap cua toi duoi su huong dan cua Tien sy Vu Thanh Huong Cac so lieu, ket qua luan van la trung thuc va chua tung cong bo bat ky mot cong trinh nghien cuu nao Toi xin chiu hoan toan trach nhiem ve loi cam doan nay! Ha Noi, thang nam 2014 Hoc vien VU THU THUY MUC LUC • • DANH MUC CAC CHU VIET TAT DANH MUC SO DO, BANG BIEU TOM TAT KET QUA NGHIEN cUu i LOI MO DAU CHUONG 1: KHUNG LY THUYET DANH GIA NANG LUC DOI NGU_CAN BO NGHIEP VU NGANH NGAN HANG 1.1 Co so ly luan ve nang luc can bo nghiep vu 1.1.1 Khai niem can bo nghiep vu .7 1.1.2 Nang luc can bo nghiep vu 1.1.2.1 Cac quan niem ve nang luc 1.1.2.2 Cac yeu to cau nang luc 11 1.1.2.3 Cac nhan to anh huong toi nang luc 12 1.1.3 Cac tieu chi phan anh nang luc can bo nghiep vu ngaiJmganhang 16 1.1.3.1 ve ki6n thuc 16 1.1.3.2 ve ky nang 16 1.1.3.3 vethai 18 1.2 PPuunngPap panlih gin ann luc c anb b n ngiep vv n nannn nann ang 19 1.2.1 Cac phuong phap danh gia nang luc can bo 19 1.2.2 Danh gia nang luc dua tren ban mo ta cong viec 20 1.3 KKhun n hnhluc c an n b n nhiep vvnn^^nngnhh^ig 22 1.3.1 Khai quat ve khung nang luc 22 1.3.2 Khung nang luc viec nang cao nang luc can bo hgUiep hgnh hang 24 1.3.3 Ban mo ta cong viec va yeu cau nang luc cua tung nhom can bo nghiep vn.26 CHUONG 2: THUC TRANG NANG LUc DOI NGU CAN BO NGHIEP vu CUA NGAN HANG NONG NGHIEP VA PHAT TRiEN NONG THON CHI NHANH THANH TRI 32 2.1 Gioi thieu sn luoc ve Ngan hang Nong nghiep va Phat trien nong thon chi nhanh Thanh Tri 32 2.1.1 Lich su Ulnh va phat trien cua chi nhanh 32 2.1.2 Doi ngu can bo nghiep cua chi nUanh 34 2.2 PPhntt ch thucttanng nun Iuu c ann o nngieppu tai AgribannThunhTri 36 2.2.1 Mo ta cuoc dieu tra 36 2.2.2 Danh gia chung 38 2.2.2.1 Danh gia ve kien thuc 39 2.2.2.2 Danh gia ve ky nang 41 2.2.2.3 Danh gia ve thai va Uahh vi 43 2.2.3 Danhglanhnnl uu c cn bp tunnnhgiep vv 46 2.2.3.1 (Cm bb nnghep vv t ^nddnhl 58 A A 2.23.2 Nhom can bo nghiep vu toan quoc te 59 2.2.33 Nhom can bo nghiep vu the 59 2.23.4 Nhom can bo nghiep vu ke toan 61 2.2.4 Ket luan ve nang luc doi ngu can bo nghiep vu tai Agribank Thanh Tri 62 2.2.4.1 Diem manh 62 2.2.4.2 Diem yeu: 63 2.2.43 Nguyen nhan cua nhung diem yeu 65 CHUONG GIAI PHAP NANG CAO NANG LUC DOI NGU CAN BO NGHIEP VU CUA NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH THANH TRI 68 3.1 Quan diem va dinh huong nang cao nang luc doi ngu can bo nghiep vu cua ngan hang No & PTNT chi nhanh Thanh Tri den 2020 68 3.1.1 Muc tieu phat trien cua NH No & PTNT Thanh Tri den nam 2020 68 3.1.1.1 Muc tieu cua toan he thong 68 3.1.1.2 Muc tieu cua Agribank Thanh Tri 68 3.1.2 Quan diem nang cao nang luc cua doi ngu can bo nghiep vu tai ngan hang Nong nghiep va Phat trien nong thon chi nhanh Thanh Tri 69 3.1.3 Dinh huong nang cao nang luc cho doi ngu can bo nghiep vu tai Agribank chi nhanh Thanh Tri 71 3.1.4 Muc tieu nang cao nang luc doi ngu can bo nghiep vu tai Agribank chi nhanh Thanh Tri 71 3.2 Giai phap nang cao nang luc cua doi ngu can bo nghiep vu cua ngan hang Nong nghiep va Phat trien nong thon chi nhanh Thanh Tri 73 3.2.1 Giai phap dao tao 73 3.2.2 Giai phap phi dao tao 76 3.2.2.1 Nang cao chat lupng tuyen dung dau vao cua can bo nghiep vu 76 3.2.2.2 Xay dung va chuan hoa khung nang luc can bo nghiep vu 80 3.2.23 Xay dung va thuc hien chuong trinh “Khach hang bi mat” 81 3.2.2.4 Nang cao kha nang giao tiep cua can bo tiep xuc voi khach hang .83 3.2.2.5 Khuyen khich tinh than lam viec 85 3.2.2.6 Hoan thien co che dai ngo 86 3.2.2.7 Dinh huong phat trien nghe nghiep 88 3.2.2.8 Tang cubng hop tac vdi cac don vi, cac to chuc linh vuc ngan hang ve chuong trinh cu can bo nghiep vu sang lam viec, hoc hoi kinh nghiem 89 3.2.2.9 Bo tri, sap xep, su dung can bo nghiep vu dung nguoi, dung viec 90 3.2.2.10 Thay doi tu duy, nhan thuc cua can bo 90 KET LUAN 92 DANH MUC TAI LIEU THAM KHAO PHU LUC DANH MUC CAC CHC VIET TAT Agribank Ngan hang Nong nghiep va phat trien nong thon ATM May rut tien tu dong CB Can bo CBNV Can bo nhan vien CN Chi nhanh HCNS Hanh chinh nhan su L/C Thu tin dung No & PTNT Nong nghiep va phat trien nong thon PGD Phong giao dich KHKD Ke hoach kinh doanh KH Khach hang KTNQ Ke toan ngan quy TTQT Thanh toan quoc te DANH MUC SO DO, BANG BIEU So* 1.1 Cac yeu to cau nang luc 11 So” 1.2 Cac nhan to anh hudng tdi nang luc 13 So’ 2.1 Mo hinh to chuc cua Agribank CN Thanh Tri 33 Bang 1.1 Khung nang luc cho can bo nghiep vu 25 Bang 2.1 Doi ngu CBNV Agribank Thanh Tri giai doan 2008 - 2012 36 Bang 2.2 Ket qua dieu tra tong quat nang luc hien tai va nang luc canthiet cua doi ngu can bo nghiep vu Agribank Thanh Tri 38 Bang 2.3 Danh gia ve kien thuc can bo nghiep vu tai Agribank Thanh Tri 39 Bang 2.4 Khoang each giua kien thuc hien tai va kien thuc can thiet 40 Bang 2.5 Danh gia ky nang doi ngu can bo nghiep vu taiAgribank Thanh Tri 41 Bang 2.6 Danh gia thai va hanh vi can bo nghiep vu Agribank Thanh Tri 43 Bang 2.7 Thai vdi cong viec 44 Bang 2.8 Nang luc “Coi khach hang la trung tarn” 45 Bang 2.9 Danh gia kien thuc cua can bo tung nghiep vu tai Agribank Thanh Tri 47 Bang 2.10 Danh gia ky nang cua can bo tung nghiep vu 49 Bang 2.11 Khoang each giua ky nang hien tai va ky nang can thiet cua tung nhom can bo nghiep vu 52 Bang 2.12 Thai va hanh vi cua tung nhom can bo nghiep vu tai Agribank Thanh Tri 53 Bang 2.13 Khoang each nang luc cua doi ngu can bo nghiep vu tai Agribank CN Thanh Tri 55 Bieu 2.1 Thu nhap lai rong cua Agribank CN Thanh Tri 2008 - 2012 34 Bieu 2.2 Nguon nhan luc Agribank CN Thanh Tri tinh den cuoi nam 2012 35 Bieu 2.3 Can bo cua Agribank CN Thanh Tri phan theo trinh 35 Bieu 2.4 Khoang each giua kien thuc hien tai va kien thuc can thiet .41 Bieu 2.5 Ky nang hien tai cua can bo nghiep vu tai Agribank Thanh Tri 42 Bieu 2.6 Danh gia nang luc can bo tung nghiep vu 46 Bieu 2.7 Khoang each giua kien thuc hien tai va kien thuc can thiet cua can bo d tung nghiep vu .48 Bieu 2.8 Ky nang tung nhom can bo nghiep vu 50 TRUING DAI HOC KINH TE QUOC DAN - «o£Qc« - VU THU THUY NANG CAO NANG LlTC DOI NGU CAN BO• • • NGHIEP VU• TAI NGAN HANG NONG NGHIEP • • • VA PHAT TRIEN NONG THON CHI NHANH THANH TRI Chuyen nganh: Kinh te phat trien TOM TAT LUAN VAN THAC SY • Ha Noi, Nam 2013 • ii Trong qua trinh phat trien cua moi doanh nghiep, doi ngu can bo nghiep vu duoc danh gia la yeu to quan nhat co tinh quyet dinh den su bai, uy tin, kha nang phat trien ben vung cua moi doanh nghiep Dac biet mot nganh dich vu phat trien nho quy mo va tri thuc nhu ngan hang thi nang luc doi ngu can bo nghiep vu co vai tro het suc quan Sau 25 nam lap va di vao hoat dong doi ngu can bo nghiep vu cua Agribank chi nhanhThanh Tri da co su phat trien dang ke ve so luong nhung nang luc van han che Hau het can bo nghiep vu cua chi nhanh la can bo tre, moi vao nganh nen kinh nghiem khong nghieu, chuyen mon nghiep vu chua vung nen thoi gian xu ly cong viec keo dai gay bat tien cho khach hang Ben canh cac ky nang mem nhu: giao tiep, ung xu voi khach hang, lamviec theo nhom, lang nghe va thau hieu cung nhu tu quyet dinh rat yeu nen gap nhieu kho khan cong viec Mat khac viec bo tri, sap xep cac can bo nghiep vu cua chi nhanh co phan chua hop ly va phu hop voi nang luc cua nhan vien, co can bo duoc phan cong nhiem vu lung tung khong lam duoc viec da gay kho chiu cho khach hang r r y y Xuat phat tu nhung van de tren, toi chon de tai "Nang cao nang luc doi ngu can bo nghiep vu cua ngan hang Ndng nghiep va Phat trien ndng thdn chi nhanh Thanh Tri” lam luan van nghien cuu cua minh Muc tieu cua luan van la de xuat duoc nhung giai phap, kien nghi phu hop nham nang cao nang luc can bo nghiep vu cho chi nhanh - den 2020 de nang cao hieu qua hoat dong cua ngan hang No & PTNT chi nhanh Thanh Tri iii CHUONG KHUNG LY THUYET DANH GIA NANG LUG DOI NGU CAN BO NGHIEP VU NGANH NGAN HANG Luan van su dung khai niem ve nang luc nhu sau: “Nang luc la su tong hop kien thuc, ky nang, thai va hanh vi cua can bo nghiep vu phu hop vdi yeu cau cua mot cong viec nhat dinh, dam bao thuc hien tot cong viec duoc giao” Dua vao nhung du lieu san co cua ngan hang Nong nghiep va Phat trien nong thon chi nhanh Thanh Tri de xac dinh khung nang luc can thiet cho can bo nghiep vu bao gom: Bang phan tich va mo ta cong viec chung va chi tiet cho tung vi tri cong viec cua can bo nghiep vu nhu: vi tri ke toan, tin dung, toan quoc te, the Tai lieu dao tao, chuong trinh nang cao kien thuc cho tung vi tri cong viec cua can bo nghiep vu Tham khao khung nang luc san co cua don vi, to chuc co co cau can bo tuong tu nhu tai ngan hang Nong nghiep va Phat trien nong thon chi nhanh Thanh Tri Khung nang luc cho can bo nghiep vu TT Tieu chi Nangluc KIEN THUC Kien thuc - Kien thuc chung ve linh vuc ngan hang - Kien thuc ve cac phan mem may tinh phuc vu cho cong viec - Kien thuc chuyen mon phuc vu yeu cau cong viec KY NANG Ky nang quan ly thoi - Quan ly thoi gian hieu qua gian va cong viec - Quan ly cong viec theo thu tu uu tien - Kha nang nhan biet, xac dinh van de va giai quyet van de PHU LUC Ket qua dieu tra tong quat nang Inc hien tai va nang lyc can thiet cua doi ngu can bo nghiep vu the Can bo quan ly cap phong danh gia TT Tieu chi Khach hang danh gia Can bo nghiep vu ty danh gia Nang lire hien tai Nang lu*c can thiet Nang lyc hien tai Nang luc can thiet Nang lyc hien tai Nang lyc can thiet Kien thuc chung 2.17 3.33 2.83 3.67 2.90 3.35 Kien thuc ve chuyen mon, nghiep vu lien quan tdi vi tri cong viec 2.89 3.44 3.67 3.67 3.20 3.37 2.53 3.39 3.25 3.67 3.05 3.36 Kien thirc Ky nang quan ly thdi gian va cong viec 1.78 3.11 2.67 3.67 3.20 3.47 Ky nang thuyet trinh 2.17 3.83 3.33 3.58 2.80 3.30 Chu dong giai quyet cong viec 2.67 3.00 2.00 3.83 2.10 3.40 Kha nang thich ung 2.00 3.00 3.33 3.67 3.10 3.40 Quan ly cang thang 3.00 3.00 3.33 3.83 3.20 3.30 Kha nang tu va phan tich 2.17 3.33 2.67 3.83 2.65 3.55 Ky nang quan ly rui ro 1.83 3.83 2.50 3.50 2.60 3.35 10 Ky nang lam chu cac nguon luc 3.33 3.50 2.67 3.42 3.05 3.45 11 Xay dung mdi quan he/mang ludi quan he 2.22 3.33 3.33 3.67 3.43 3.37 2.35 3.33 2.87 3.67 2.90 3.40 Ky nang 12 Thai doi vdi cong viec 2.38 3.33 2.89 3.67 3.00 3.50 13 Coi khach hang la trung tam 1.67 3.89 1.67 3.78 3.33 3.33 Thai va hanh vi 2.02 3.61 2.28 3.72 3.17 3.42 Diem trung binh 2.30 3.44 2.80 3.69 3.04 3.39 PHU LUC Ket qua dieu tra tong quat nang lyc hien tai va nang lyc can thiet cua doi ngu can bo nghiep vu ke toan Can bo quan ly cap phong danh gia TT Tieu chi Can bo nghiep vu ty danh gia Nang lyc hien tai Nang lyc can thiet Nang lyc hien tai Nang lyc can thiet Kien thuc chung 2.17 3.33 3.05 3.62 Kien thuc ve chuyen mon, nghiep vu lien quan tdi vi tri cdng viec 2.56 3.44 3.17 3.57 2.36 3.39 3.11 3.59 Kien th ire Ky nang quan ly thdi gian va cdng viec 1.78 3.11 3.02 3.69 Ky nang thuyet trinh 2.17 3.83 3.17 3.57 Chu dong giai quyet cdng viec 2.67 3.00 2.63 3.53 Kha nang thich ung 2.00 3.00 3.07 3.63 Quan ly cang thang 3.00 3.00 2.63 3.73 Kha nang tu va phan tich 2.17 3.33 3.00 3.80 Ky nang quan ly rui ro 1.83 3.83 2.78 3.62 10 Ky nang lam chu cac ngudn luc 3.33 3.50 3.32 3.68 11 Xay dung mdi quan he/mang ludi quan he 2.22 3.33 3.01 3.64 2.35 3.33 2.96 3.66 Ky nang 12 Thai doi vdi cdng viec 2.38 3.33 3.03 3.66 13 Coi khach hang la trung tam 1.67 3.89 2.99 3.82 Thai va hanh vi 2.02 3.61 3.01 3.74 Diem trung binh 2.25 3.44 3.03 3.66 PHU LUC 9: Chenh lech tuyet doi, ty le chenh lech tuong doi ve khoang each nang luc tot nhat, yeu nhat cua doi ngu can bo nghiep vu tai Agribank CN Thanh Tri TT Tieu chi Kien thuc chung Kien thuc ve chuyen mon, nghiep vu Can bp quan ly cap phdng danh gia Ty 1? Chenh chenh Khoang lech lech each tuyet tuong (diem) ddi ddi (diem) (lan) -0.02 1.29 -0.10 1.04 -0.26 -1.55 Khach hang danh gia Ty 1? chenh l£ch tuong ddi (lan) Khoang each (diem) Chenh l^ch tuy?t ddi (diem) 0.80 -0.09 0.38 -0.52 -0.29 -1.62 Can bQ nghiep vu tu danh gia Chenh Tyl? chenh Khoang l^ch lfch each tuy?t tuong (diem) ddi ddi (diem) (lan) 0.42 -0.03 -0.32 -0.31 -0.09 0.03 -0.96 0.70 0.90 -0.18 0.02 -0.11 -1.29 -0.17 0.40 4.59 0.71 1.27 -0.11 -0.14 -0.83 0.59 -0.30 -0.95 0.36 1.43 1.36 1.14 0.75 0.33 0.80 Ky nang thuyet trinh 0.13 0.05 -0.09 -0.44 -0.29 -1.38 0.48 0.34 -0.95 0.91 2.84 -0.49 -1.54 0.85 0.44 -0.19 -0.60 0.31 0.96 0.18 -0.52 0.88 -0.01 0.27 0.19 0.43 0.23 -0.22 3.07 2.17 4.86 -2.53 1.29 0.71 -0.59 -3.49 Kha nang tu va phan tich 1.43 0.75 Ky nang quan ly rui ro 4.14 0.95 10 Ky nang lam chu cac nguon luc 2.00 0.64 0.13 0.70 0.70 1.20 -3.91 0.73 11 Xay dung moi quan he/mang luai quan he 1.29 -0.66 -0.02 0.06 -0.17 -0.10 0.75 -0.14 -0.44 0.29 -0.16 12 Ky nang Thai doi vai cong viec 1.25 1.12 -0.05 -0.18 -0.29 -1.07 0.86 0.72 -0.09 -0.55 0.54 0.45 13 Coi khach hang la trung tarn 1.86 0.55 3.29 1.73 -0.03 -0.18 0.84 2.63 Thai va hanh vi 1.49 0.19 1.11 1.23 0.33 1.04 Trung binh khoang each 1.30 0.17 Sai so chuan ve khoang each 0.89 0.32 -0.05 0.57 1.16 -0.10 0.84 -1.61 -0.16 -0.02 Chenh l?ch tuy?t ddi (diem) -0.14 Chu dong giai quyet cong viec Kha nang thich ung Quan ly cang thang Khoang each (diem) 0.31 Kien thuc Ky nang quan ly thai gian va cong viec 0.45 1.80 0.40 Tong hqp 0.72 0.64 0.30 0.71 0.71 1.09 1.28 0.38 -0.17 -0.17 0.21 -1.77 0.53 0.78 0.39 -0.35 -0.10 0.09 0.00 1.03 0.03 0.89 0.76 0.00 -0.12 0.43 -0.01 -0.16 1.34 0.46 0.44 -0.01 -0.07 1.05 0.17 0.45 0.88 0.09 0.19 PHU LUC 10: Chenh lech tuyet doi, ty le chenh lech tuong doi ve khoang each nang luc tot nhat, yeu nhat cua nhom can bo nghiep vu tin dung Can bp quan ly cap phong danh gia TT Tieu chi Chenh lpch tuyet doi (diem) Ty le chenh lpch tuong doi (12n) 0.08 0.13 0.33 0.54 1.67 0.10 0.25 0.43 1.02 Khoang each (diem) Khach hang danh gia Khoang each (diem) Chenh lfch tuyet doi (diem) Ty 1? chenh lpch tuong doi (lan) Khoang each (diem) Chenh lpch tuyet doi (diem) 0.63 -0.24 -0.88 0.31 -0.02 0.63 -0.24 -0.88 0.39 0.06 -0.24 -0.12 -0.88 -0.43 0.35 0.40 0.02 -1.57 3.21 0.23 0.06 -0.10 0.70 0.37 0.41 0.57 0.43 0.97 0.05 0.10 0.07 0.24 Kien thuc chung 1.50 Kien thuc ve chuyen mon, nghiep vu 1.55 1.53 Kien thirc Ky nang quan ly thoi gian va cong viec Ky nang thuyet trinh 1.00 -0.42 -1.73 0.63 0.75 0.44 Chu dong giai quyet cong viec 0.58 2.39 1.75 Kha nang thich ung 0.58 -0.42 0.58 2.39 -1.73 0.13 0.75 -0.74 -0.12 -2.70 -0.43 2.39 4.45 1.13 0.94 0.81 Xay dung moi quan he/mang ludi quan he 1.17 -0.25 -1.73 -1.05 0.26 0.07 -0.06 -0.24 0.93 0.25 Ky nang lam chu cac nguon luc 2.00 2.00 1.00 2.00 2.50 1.00 -0.43 0.88 Ky nang Thai doi vdi cong viec Coi khach hang la trung tam 1.59 1.29 0.71 -0.55 0.81 0.71 1.00 0.17 -0.13 -0.42 1.63 1.14 -0.28 -1.73 -1.14 10 11 12 13 Quan ly cang thang Kha nang tu va phan tich Ky nang quan ly rui ro Thai va hanh vi Trung binh khoang each Sai so chuan ve khoang each 1.42 0.24 1.08 -0.42 Can bQ nghiep vu tu danh gia 0.63 1.17 0.87 0.28 -0.20 -0.88 -0.06 -0.16 0.76 -0.20 -0.58 0.30 1.09 2.75 0.10 0.64 -0.28 -0.23 Ty le chenh l?ch tuong doi (Ian) Tong hQ’p Khoang each (diem) -0.20 0.58 0.81 0.19 0.59 -0.94 3.42 0.83 0.94 0.56 -0.04 1.48 0.61 0.68 2.17 0.92 0.84 -0.03 -0.10 0.31 0.60 -0.25 -0.24 0.86 -2.56 -2.15 0.77 1.19 1.47 0.62 0.63 5.91 0.43 0.31 0.12 0.10 -0.02 -0.22 0.89 -0.18 0.94 0.77 -1.98 0.91 0.21 0.33 -0.12 -1.08 0.84 0.87 0.11 Chenh l^ch tuyet doi (diem) 0.21 -0.06 -0.02 0.06 -0.32 0.07 -0.10 0.04 -0.03 PHU LUC 11: Chenh lech tuyet doi, ty le chenh lech tuong doi ve khoang each nang luc tot nhat, yeu nhat cua nhom can bo nghiep vu TTQT Tieu chi TT Can bp quan ly cap phong danh gia Ty lp Chenh chenh Khoang lpch lech each tuypt tuong (diem) doi doi (diem) Khach hang danh gia Ty lp chenh lpch tuong doi (13n) 0.32 Can bp nghipp vu tu danh gia Ty lp Chenh chenh Khoang lpch lech each tuypt tuong (diem) doi doi (diem) (lSn) 0.30 -0.23 -0.90 0.27 -0.27 -1.02 0.28 -0.25 -0.96 0.33 -0.20 -0.77 Khoang each (diem) Chenh lpch tuypt doi (diem) 0.06 -0.44 -0.19 -1.12 -1.60 -1.60 5.12 -0.64 0.40 0.80 0.20 0.80 0.70 Khoang each (diem) Chenh lpch tuypt doi (diem) 0.85 0.64 -0.11 -0.32 -0.22 -0.90 -0.51 0.75 0.78 0.77 1.38 0.68 1.04 1.09 1.04 0.63 1.13 0.95 0.74 1.64 -0.01 -0.22 0.68 1.19 0.23 Kien thuc chung 1.25 -0.16 -0.64 Kien thuc ve chuyen mon, nghiep vu 1.17 -0.24 -0.98 1.00 0.50 Kien th ire 1.21 -0.20 Ky nang quan ly thdi gian va cong viec 1.33 -0.08 -0.81 -0.31 0.75 0.67 Ky nang thuyet trinh Chu dong giai quyet cong viec 1.25 1.50 -0.16 0.09 -0.64 0.36 Kha nang thich ling 1.00 -0.41 -1.64 0.67 1.83 0.83 -0.28 -0.28 0.89 -0.11 Quan ly cang thang Kha nang tu va phan tich 1.50 1.25 0.09 -0.16 0.36 -0.64 0.83 -0.11 -0.64 0.39 2.24 0.09 -0.41 0.36 1.33 0.92 0.26 0.58 1.33 -0.16 -2.08 2.24 0.70 -1.64 1.02 -0.03 -0.36 0.30 0.40 -0.33 0.27 0.17 0.17 -0.23 -0.13 -0.08 -0.20 0.76 -0.31 -0.79 3.02 1.00 0.67 0.32 -1.60 3.20 0.51 0.34 -0.02 -0.19 1.27 0.73 -0.07 -0.73 2.80 0.28 1.12 1.08 0.94 0.80 0.80 0.27 1.04 10 11 Ky nang quan ly rui ro 1.50 Ky nang lam chu cac nguon luc Xay dung moi quan he/mang ludi quan he 1.00 1.67 12 13 Ky nang Thai doi vdi cdng viec Coi khach hang la trung tam 1.33 1.21 2.17 Thai dp va hanh vi Trung binh khoang each 1.69 1.41 Sai so chuan ve khoang each 0.25 1.50 0.17 0.39 0.06 -0.28 0.56 0.14 -2.56 0.53 0.26 -0.13 0.27 Tong hpp -0.51 1.02 -1.28 1.02 0.63 0.63 0.96 0.23 -0.19 -0.19 0.42 -0.29 0.08 0.13 0.08 -0.34 0.17 PHU LUC 12: Chenh lech tuyet doi, ty le chenh lech tuong doi ve khoang each nang luc tot nhat, yeu nhat cua nhom can bo nghiep vu the Can bo quan ly cap phdng danh gia TT Tieu chi Khoang each (diem) Chenh lpch tuyet ddi (diem) Ty 1? chenh lpch tuong ddi (ldn) Khach hang danh gia Can bQ nghipp vu tu danh gia Khoang each (diem) Chenh lpch tuypt doi (diem) Ty le chenh lpch tuong doi (ldn) Khoang each (diem) Kien thuc chung 1.17 0.03 0.07 0.83 -0.05 -0.10 0.45 Kien thuc ve chuyen mon, nghiep vu 0.56 -0.59 -1.50 0.00 -0.89 -1.70 Kien thuc Ky nang quan ly thai gian va cong viec 0.86 1.33 -0.72 0.49 0.42 1.00 -0.47 0.11 Ky nang thuyet trinh 1.67 -0.28 0.19 0.53 1.35 0.25 Chu dong giai quyet cong viec 0.33 -0.81 -2.07 Kha nang thich ung 1.00 0.00 -0.14 -1.14 1.17 Kha nang tu va phan tich Ky nang quan ly rui ro 2.00 10 Ky nang lam chu cac nguon luc 0.17 0.03 0.86 -0.97 11 Xay dung moi quan he/mang ludi quan he 1.11 12 Ky nang Thai doi vdi cong viec 13 Coi khach hang la trung tarn Chenh lpch tuypt ddi (diem) Ty le chenh lpch tuong ddi (lan) 0.17 0.10 -0.18 -1.44 -0.90 0.22 0.31 0.27 -0.04 -0.08 -0.33 -0.66 -0.64 -1.22 0.50 0.15 1.83 0.95 1.82 1.30 0.95 1.17 7.43 -0.36 0.33 -1.06 0.30 -2.92 -0.74 0.10 0.07 2.20 0.50 1.17 1.00 -0.55 -0.39 0.28 0.11 0.54 0.22 0.90 0.75 -0.05 -0.25 0.55 0.40 -2.50 0.75 -0.14 -0.26 0.40 -0.03 -0.08 0.33 -0.55 -1.06 0.98 0.95 2.22 -0.17 -0.19 1.08 -0.42 -0.48 -0.09 -0.11 2.77 0.80 0.78 2.11 Thai dp va hanh vi Trung binh khoang each 1.59 1.14 0.45 1.14 1.44 Sai so chuan ve khoang each 0.39 Quan ly cang thang 0.89 0.52 0.78 Tong hQ’p Khoang each (diem) 0.82 0.24 0.53 0.87 0.81 Chenh lpch tuypt ddi (diem) 0.02 -0.55 -0.26 -0.40 1.16 0.54 0.07 0.01 0.36 -0.25 -1.97 0.20 -0.59 4.30 1.08 3.13 1.25 0.29 0.46 0.05 0.38 0.44 -0.35 -0.07 -0.42 -3.27 0.46 -0.33 -0.17 -0.21 0.49 0.50 0.14 0.15 1.12 1.17 0.76 0.74 -0.04 -0.05 1.23 2.36 0.00 -0.35 -2.75 1.44 0.65 0.56 1.07 0.25 0.35 -0.10 -0.79 1.09 0.30 0.13 0.79 0.35 PHU LUC 13: Chenh lech tuyet doi, ty le chenh lech tuong doi ve khoang each nang luc tot nhat, yeu nhat cua nhom can bo nghiep vu ke toan Can bQ quan ly cap phong danh gia TT Tieu chi Khoang each (diem) Chenh lpch tuyet doi (diem) Ty le chenh lpch tirong doi (13n) Can bp nghipp vu tu danh gia Ty 1? Chenh chenh Khoang lpch lpch each tuypt tirong (diem) doi doi (diem) (lan) Tong hop Kien thirc chung 1.17 -0.03 -0.09 0.57 -0.07 -0.52 0.87 Kien thuc ve chuyen mon, nghiep vu 0.89 -0.31 -0.91 0.40 -0.24 -1.77 0.64 -0.05 -0.27 1.03 1.33 -0.17 0.14 -0.50 0.40 0.48 0.67 -0.15 0.03 -1.15 0.23 0.76 -0.16 Kien thirc Ky nang quan ly thoi gian va cong viec 1.00 0.08 Ky nang thuyet trinh 1.67 0.47 1.39 0.40 -0.24 -1.77 1.03 Chu dong giai quyet cong viec 0.33 -0.86 -2.55 0.90 0.26 1.98 Kha nang thich ung Quan ly cang thang 1.00 0.00 -0.20 0.57 -0.07 0.46 -0.52 -1.20 -0.58 -3.53 0.62 0.78 0.12 -0.30 -0.13 -0.37 1.17 -0.03 0.80 -0.09 2.37 0.80 0.83 0.17 1.11 -1.03 -3.04 11 Kha nang tu va phan tich Ky nang quan ly rui ro Ky nang lam chu cac nguon luc Xay dung moi quan he/mang ludi quan he -0.09 12 Ky nang Thai dp doi vdi cong viec 0.98 0.95 -0.22 -0.24 13 Coi khach hang la trung tam 2.22 1.03 -0.25 -0.65 -0.72 3.02 0.37 0.63 0.70 0.62 Thai va hanh vi 1.59 1.20 0.34 0.39 1.15 10 Trung binh khoang each Sai so chuan ve khoang each 2.00 1.10 0.83 0.73 0.64 0.13 0.16 0.20 -0.27 0.00 3.48 1.23 1.48 -2.02 0.55 0.98 1.42 -0.02 0.27 0.87 0.07 0.50 -0.65 -0.04 0.06 -0.01 0.20 0.45 -0.09 0.84 0.79 -0.08 -0.13 1.48 1.53 0.61 0.09 0.69 1.16 0.92 0.24 0.24 Chu tich Hoi dong (Xiy va ghi rd ho ten) Cam ket cua Hoc vien7 ?J XQm -' ’y > /?£ LfaxvLs dfo •7 >Ci K-roo fKr)?rj • ■'V Hoc vien (Ky va ghi ro ho ten) JKlA J'V'UavI i hoc vien co trach nhiem chinh sua theo'yeu cau cua H$i dong ch4m luan van Trong trudng hop khong chinh e khong dupe cong nhan kit qua bao ve vien phai dong ban yeu cau chinh sua vao cuoi Iu§n van chinh thuc n6p cho vien BT SDH trVong dai hqc kinh te quoc dan CONG HOA XA HOI CHU NGHIA VIET NAM KHOA KE HOACH VA PHAT TRIEN Doc lap - Ttr Do - Hanh phuc NHAN XET LUAN VAN THAC SI KINH TE Chuyen nganh: Kinh te Phat trien Cao hoc vien: Vu Thu Thuy De tai: Nang cao nang luc doi ngu can bo nghiep vu tai ngan hang Nong nghiep va Phat trien Nong thon Chi nhanh Thanh tri Tinh cap thiet, y nghta khoa hoc va thuc tien cua de tai Nguon nhan luc la nguon luc quan co vai tro quyet dinh tdi viec phat huy cac ngudn lire khac Ly thuyet da ghi nhan tarn quan trong nen kinh te, cac doanh nghiep va ban than ca nhan Ddi vdi he thong ngan hang thuong mai Viet Nam hien nay, vai tro cua yeu to ngudi cang trd len quan canh tranh cac ngan hang thuong mai cang khde liet (vdi su xuat hien cua cac ngan hang nude ngoai vdi nhung triet ly kinh doanh hien dai, cong nghe ung dung hien dai), nhu cau duqc phuc vu cua khac hang cang gia tang va yeu cau cang cang khdt khe hon Chinh vi vay ydu to ngudi se la chia khoa cho moi ngan hang thuong mai qua trinh phat trien Ngan hang NNPTNT Chi nhanh Thanh tri cung khong nam ngoai xu the chung ke tren Vdi doi ngu can bo tre (tuoi ddi 27) cd kien thuc nhung chuyen mon va kinh nghiem tich luy chua nhieu, thai va ky luat lao dong va su ket hop giua cac yeu to tren chua tao duqc nang luc can thiet dap ung yeu cau cua khach hang va su phat trien cua Chi nhanh Chinh vi vay, mot nghien cuu vdi muc dich hieu ro hon ve nang luc cua can bo nghiep vu tai ngan hang NNPTNN chi nhanh Thanh tri de tir cd nhung de xuat phu hop nang cao hon nua nang luc cua cac bo nghiep vu va cuoi cung la su phat trien cua ngan hang la mot de tai cd y nghTa thuc tien cao Tinh trung lap cua van de nghien cuu Trong pham vi hieu biet cua ca nhan, nghien cuu ve nang luc va khung nang luc can bo da duqc de cap cac nghien cuu trudc, nhung luan van la mot cong trinh nghien cuu doc lap, the hien duqc su ke thira va phat trien nghien cuu khoa hqc va da cd budc phat trien xa hon sir dung duqc each tiep can van de nghien cuu cung nhu phuong phap nghien cuu phu hop de giai quyet van de, va gan vdi boi canh cua Ngan hang NNPTNT chi nhanh Thanh tri Ve phuffng phap nghien cuu Cac phuong phap nghien cuu sir dung la phu hop Nhan manh hern tdi each tiep can va viec luan van sir dung Khao sat de hudng tdi dat muc tieu nghien cuu De hudng tdi muc tieu nghien cuu, luan van lua chon keu ket cau truyen thong va di thdng vao giai quyet cac van de nghien cuu dat Tdi cho rang, ket cau nhu vay la hop ly va da phat huy hieu qua luan van Ket qua va dong gop cua luan an Vdi muc tieu nghien cuu khung nang luc va ung dung cho can bo nghiep vu tai chi nhanh Ngan hang NNPTNT Thanh tri nham danh gia thuc trang va de xuat giai phap nang cao nang luc cho doi ngu can bo nghiep vu tai chi nhanh nay, luan van da dat dupc nhung muc tieu dat Cu the: Trong Chuong 1, luan van da he thong hoa dupc cac van de co ban ve khung nang luc cac ydu to cau va tac dong tdi nang luc Thanh cong cua chuong the hien d viec xay dung cac tieu chi phan anh va phuong phap danh gia nang luc cua cac bo nghiep vu cua ngan hang thuong mai, va xay dung khung nang luc can bo nghiep vu nganh ngan hang Theo tdi, day la nhung su ke thua cd chon loc va van dung cd hieu qua va ket qua la chuong da xay dung co sd ly thuydt tuong doi thuyet phuc cho viec trien khai danh gia nang lac can bo nghiep vu ngan hang thuong mai d cac chuong sau van dung vao chi nhanh Thanh tri Chuong da phan tich kha ro va ve nang luc cua dpi ngu can bo nghiep vu tai ngan hang NNPTNT chi nhanh Thnah tri tren co sd cac khia canh/tudc ve Kien thuc-ky nang va thai Dua tren each tiep can dupc md ta la dua tren “Ban md ta cong viec” va tu danh gia nang luc can thiet cung nhu nang luc thuc su ban than can bo, ngudi quan ly va tir khach hang, luan van da cd nhwungx danh gia va ket luan ve nang luc cua dpi ngu can bo nghiep vu tai ngan hang NNPTNT chi nhanh Thnah tri Nhung phan tich, nhan dinh cua tac gia phan la kha chi tiet va phu hop vdi thuc te, the hien dupc su quan sat, nghien cuu ky luong cua tac gia Trong chuong 2, luan van cd nhung danh gia ve diem manh diem yeu ve nang dpi ngu can bo nghiep vu tai ngan hang NNPTNT chi nhanh Thnah tri, chi dupc cac nguyen nhan dan den cac cac diem yeu Day la co sd tdt de luan van de cap den cac giai phap de cap chuong cua luan van Trong chuong 3, he thong giai phap duoc xay dung dua tren can cu ve dinh hudng va muc tieu nang cao nang luc doi ngu can bo nghiep vu tai ngan hang NNPTNT chi nhanh Thanh tri Cac giai phap duoc luan van de xuat co su gan ket nhat dinh vdi nhung ket qua nghien cuu da phan tich d cac phan chuong va gan vdi boi canh cua Chi nhanh Thanh tri nen cd sue thuydt phuc Gid tri khoa hoc va tin cay cua so lieu va ket qua nghien cuu Nghien cuu da the hien dupe su nghien cuu va nghiem tuc cua tac gia So lieu phan tich luan van co nguon goc ro rang, cac ket qua danh gia, suy luan tir nhung so lieu la tuong doi phu hop va cd gia tri tham khao Cac giai phap de xuat cua luan van cd co sd vung chac, se la nhung gpi y dang tham khao cho viec nang cao nang luc can bo tai chi nhanh ngan hang Mot vdi diem can tiep tuc hoan thien Theo tdi, luan van se cd gia tri cao hon neu nghien cuu chinh sua va bo sung dupc mot sd noi dung sau day: Phan mo dau, cd le can chuyen muc tieu nghien cuu cac cau hoi nghien cuu cu the Nhu vay se de dang theo doi hon Can chi ro hon viec soat nghien cuu trudc phat hien dupc cai gi? Khoang gi? Hay dieu gi huu ich cho nghien cuu Phan chuong 1, can xac dinh phuong phap danh gia Vi theo luan van cd each tiep can dua tren mo ta cdng viec thuc te va theo ban Mo ta cdng viec va luan van (trang 20) noi sir dung mo hinh phat trien nang luc dua vao ban mo ta cdng viec Nhung thuc te, theo tdi biet thi ngan hang NNPTNT chua he cd Ban mo ta cdng viec cho cac vi tri cdng tac Nhu vay luan van lay co sd la cai gi de phan tich Cho de nghi cd giai trinh hop ly - Phan chuong nen cd mot noi dung danh gia cac yeu td tac dong tdi nang luc can bo nghiep vu tai ngan hang NNPTNT chi nhanh Thanh tri de thay dupc ro net hon tai nang luc lai yeu nhu vay va tu lam cho phan phan tich nguyen nhan va de xuat giai phap cd su lien ket va gan bd hon - Cung chuong nay, cac nhan xet ve diem manh ve nang luc cua dpi ngu can bo nghiep vu can chi ro la gi, sau di phan tich Phan danh gia nguyen nhan (tir trang 65-67) can phai co co so hay noi each khac di la phai phan tich dupc cac yeu to tac dong nhu da de cap phan ly thuyet d chuong (tu trang 12 den 15) Trong chuong 3, viec chia nhom giai phap ve dao tao va phi dao tao cung la chap nhan dupc nhung lam cho nhom phi dao tao tro len cong kenh va thieu diem nhan Toi lay vi du, co so cua ap dung khung nang luc d day de danh gia nang luc can bo la ban mo ta cong viec theo tirng vi tri, ngan hang chua co Ban md ta thi phai de xuat ngan hang xay dung Tuy nhien, no lai khong duuoc de cap Hon nua each trinh bay d phan theo dang mot de an thuc tien/dang dap cua bao cao tu van Theo toi cho co the sira theo hudng de lam nhan manh dupc giai phap va the hien la mot nghien cuu mang tinh hoc thuat hon la dang bao cao tu van Ve trinh bay, luan van can chinh sua lai mot so diem ve trinh bay luan van, vi du o Trinh bay bieu can rd rang, hien cac bo dd co nhung sd va chu giai rat kho doc; o Thuat ngu nen sir dung thong nhat Vi du bieu hay dd thi dung mot thuat nguo Tac gia can doc lai de sua loi danh may v ’ fy/tu - c_e> $~> Ket luan Nghien cuu dupc tien hanh cong phu, giai quyet dupc cac van de nghien cuu dat Nghien cuu da thoa man dupc cac yeu cau cua mot luan van thac si va tac gia cua nghien cuu xung dang nhan hoc vi thac si chuyen nganh Kinh te Phat trien Ha Noi, 10 thang nam 2014 Nguoi viet nhan xet PGS-TS Le Quang Canh Cau hoi Lien quan tdi md hinh nghien cuu de cap trang 19, CHV lam rd hon mdi quan he giua Ban md ta cong viec va cong viec thuc te de tu van dung md hinh phat trien nang luc La can bo tai chi nhanh, CHV cho biet ly ben tai nang luc can bo tin dung co khoang each ldn giua nang luc can thiet va thuc te? NHAN XET LUAN VAN THAC SY KINH TE • • • De tai: Nang cao ndng luc ddi ngu can bo nghiep vu tai ngan hang •? ndng nghiep va phat trien ndng thon chi nhanh Thanh Tri Hoc vien: Chuyen nganh: Vu Thu Thuy Kinh te phat trien Ngudi nhan xet: TS Vu Trudng Son Co quan cong tac: Bo Noi vu Ngudi phan bien thu hai I VE SU CAN THIET CUA DE TAI Nhan lire la nhan to quan hang dau, quyet dinh sir phat trien cua mdi to chuc, to chuc nao co nhan lire trinh cao, nang lire chuyen mon gidi, ky nang hanh dong thao va cd pham chat dao due tot thi to chuc cd kha nang phat trien nhanh Do do, mdi quan tarn thudng xuyen cua moi to r chuc la phai khong ngimg cung cd, nang cao nang luc cua can bo, nhan vien r / to chuc Ddi vdi hoat dong cua cac ngan hang thuemg mai xu the phat trien nen kinh te thi trudng doi hoi phai xay dung mot doi ngu can bo, vien chuc chuyen nghiep, gioi chuyen mon nghiep vu va tan tinh, chu dao vdi cong viec, an can, niem nd vdi khach hang De tai: Nang cao ndng luc doi ngu can bo nghiep vu tai ngan hang ndng nghiep va phat trien ndng thon chi nhanh Thanh Tri cua hoc vien: r r Vu Thu Thuy lira chon lam luan van thac sy kinh te, chuyen nganh Kinh te phat trien la phu hop Ban than hoc vien la can bo cong tac tai Ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri nen sir lira chon de tai nhu tren cd y nghi thiet thuc Do de tai luan van nghien cuu pham vi Ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri nen kho cd su trung hop vdi cong trinh nghien cuu khac II VE KET CAU VA PHUONG PHAP NGHIEN ClTU Luan van dai 93 trang, ngoai phan md dau va ket luan, luan van dupe ket cau chuong theo loi truyen thong, ket cau nhu vay la phu hop Bo tri cac muc tung chuong dam bao tinh logich va truyen tai dupe noi dung cua cac van de can trinh bay Phuong phap nghien cuu cua luan van ve co ban la su dung phuong phap phan tich, tong hop, thong ke va so sanh Cac phuong phap nghien cuu vat bien chung, vat lich su dupe su dung lam phuong phap luan cho viec giai quyet van de neu luan van III KET QUA NGHIEN ClTU Chuong I luan van nghien cun co sd ly luan, phuong phap danh gia va khung nang lyre can bo nghiep vu ngan hang Day la chuong ly thuyet chung, nhien, hoc vien da trinh bay cac noi dung lien quan true tiep den nang luc can bo nghiep vu nganh ngan hang Khi neu Ban mo ta cong viec va yeu cau nang lire cua can bo nghiep vu ngan hang, hoc vien da chia tung nhom nhu nhom can bo tin dung, nhom can bo toan quoc te, nhom can bo nghiep vu the, nhom can bo ke toan de mo ta cong viec cu the va neu yeu ' ' r cau rieng ve nang luc doi vdi tung nhom khac Chuong II luan van da neu thuc trang nang luc doi ngu can bo nghiep vu cua ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri Trong chuong nay, tac gia luan van da phan tich thuc trang nang luc doi ngu can bo nghiep vu tai ngan hang nong nghiep va phat trien ndng thon chi nhanh r \ x r Thanh Tri thong qua mot cuoc khao sat, lay phieu dieu tra Ket qua khao sat cho phep tac gia cd nhung danh gia kha chung thurc va co tinh thuyet phuc cao Cu the nang luc hien tai cua doi ngu can bo nghiep vu tai ngan hang ndng nghiep va phat trien ndng thon chi nhanh Thanh Tri chi d mice yeu, muc hien \ r r r tai 2,29 la thap so vdi nang luc can thiet la 3,6 Viec phan chi kien thuc cua can bo nghiep vu ngan hang loai kien thuc chung va kien thuc ve chuyen mon, nghiep vu se giup cho viec danh gia kien thuc cua can bo nghiep vu chinh xac hon Tac gia luan van da danh gia hoan chinh cac mat ve kien thuc, ve ky nang va ve thai do, hanh vi cua can bo nghiep vu ngan hang ndng nghiep va phat trien ndng thon chi nhanh Thanh Tri Luan van cung phan tich rd nhung diem manh, diem yeu va nguyen nhan cua nhung han che ve nang luc cua doi ngu can bo nghiep vu ngan hang ndng nghiep va phat trien ndng thon chi nhanh Thanh Tri Gac tu licu,~^Q lidu-vd ulidriuuiig nhan luc Kho bac nha-nudc_Ha Noi neu luan van phong phu, cap-nhat v a cd tirreay Chuong III luan van dua phuong hudng va giai phap chu yeu nang cao nang luc doi ngu can bo nghiep vu cua ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri Cac van de neu chuong da the hien hoc vien la ngudi nam vung duqc cac yeu cau nang cao nang luc doi ngu can bo nghiep vu cua ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri Cac giai phap neu luan van la xac dang va co tinh kha thi r ' B Cac tu lieu va sd lieu dua luan van la dang tin cay, ghi ngudn trich dan day du, sd lieu phong phu va cap nhat Luan van trinh bay kha dep, dung quy each IV MOT SO HAN CHE Trong luan van cua hoc vien Vu Thu Thuy co mot so loi ky thuat va loi chinh ta, vi du tai trang 30, muc 1.3.3.4 chi co tiet a khong co tiet b Ten luan van la nang cao nang lire doi ngu can bo nghiep vu tai ngan hang ndng nghiep va phat trien ndng thon, chi nhanh Thanh Tri, nhung phan noi dung chu yeu trinh bay ve nang luc cua can bo nghiep vu ngan hang, khong co tir doi ngu V DANH GIA CHUNG Luan van cua hoc vien Vu Thu Thuy dap ung duoc cac yeu cau co ban cua mot luan van thac sy khoa hoc kinh te, co y nghTa khoa hoc gia tri thiet thuc, luan van la cong trinh khoa hoc doc lap khong trung lap vdi cac cong r r trinh khoa hoc khac ma tdi biet Neu bao ve cong luan van nay, hoc vien Vu Thu Thuy xurng dang dupe nhan hoc vi Thac sy khoa hoc kinh te, chuyen nganh Kinh te phat trien Ha Noi, 07 thang nam 2014 Ngudi nhan xet TS Vu Trudng Son Cau hoi: Hay phan biet nang lire cua doi ngu can bo nghiep vu vdi nang lire can r r bo nghiep vu va cho biet mdi quan he giu hai khai niem Hien tai nang lire doi ngu can bo nghiep vu cua ngan hang nong nghiep va phat trien ndng thon, chi nhanh Thanh Tri dupe cho la yeu kem so vdi yeu cau chung va la yeu nhat so vdi nang luc dpi ngu can bo cua ca< ngan hang TMCP khac nhu: VCB, Viettinbank, BIDV De nghi tac gia cho biet nguyen nhan tai sao?