Ê *1' C\ t- h 00 ã X JQ y Bang 2.9 Tong doanh so ban ngoai te va ty mua ngoai te 59 ky han va hoan doi /Tong doanh so ban 10 Bang 2.10: Ty loi nhuan tu hoat dong kinh doanh ngoai te so vdi tong loi nhuan tai SHB qua cac nam 61 DANH MUC CAC BIEU DO nr * STT Q i_ • * -* A ' ' a Ten bieu ao Trang Bieu 2.1: Tinh hinh huy dong von cua SHB tu 2009 - 33 2012 Bieu 2.2: Tinh hinh su dung von cua SHB tu 2009 - 2012 34 Bieu 2.3: Ty le no qua han cua SHB tu 2009 - 2012 35 Bieu 2.4 Loi nhuan cua hoat dong kinh doanh ngoai te tai SHB tu nam 2010 - 2012 e H ? Bieu 2.5: Doanh so mua va ban ngoai te quy doi USD tai >j SHB qua cac nam 69 Bieu 2.12: Loi nhuan cua cac loai nghiep vu kinh doanh ngoai te tai SHB Tu nam 2010-22012 13 65 Bieu 2.11: so luong khach hang tai SHB tu nam 2010 - 2012 12 64 Bieu 2.10: Ty le loi Doanh Thu/ Chi phi tai SHB Tu nam 2010-2012 11 62 Bieu 2.9: Doanh thu va chi phi hoat dong KDNT tai SHB Tu nam 2010 - 2012 10 52 Bieu 2.8: Ty le loi nhuan/ Doanh Thu tai SHB tu nam 2010 — 22012 52 Bieu 2.7: Doanh so ban ngoai te quy doi USD tai SHB qua cac nam 51 Bieu 2.6: Doanh so mua ngoai te quy doi USD tai SHB qua cac nam 36 70 Bieu 2.13: Ty le loi nhuan/ chi phi cua cac loai nghiep vu kinh doanh ngoai te tai SHB tu nam 2010-2012 71 I TRJONG DA I HOC KINH TE QUOC DAN ■ ■ sofioOcaoa nguyEn thi thuy NANG CAO HIEU QUA KINH DOANH NGOAI TE TAI ■ NGAN HANG TMCP SAI GON HA NOI ■ Chuyen nganh: Kinh te doi ngoai TOM TAT LUAN VAN THAC SI • • HA NO• I,7 2013 90 he thong, duoc phep dai dien cho ca he thong thuc hien giao dich vdi thi trudng lien ngan hang va ngoai nudc cung nhu thuc hien cho toan bo he thong thi can co mot he thong dudng mang rieng ket noi vdi NHNN va thi trudng ngoai te lien ngan hang nham co nhung thong tin nhanh nhat ve tinh hinh dien bien tren thi trudng 3.2.3 Nhom giai phap khai thac cac nhan td co anh hudng tich cuc den hieu qua kinh doanh ngoai te 3.2.3.I SHB can co chinh sach du manh de thu hut va phat trien nguon nhan luc Con ngudi luon la yeu to chu dao, quan nhat cac hoat dong vi ngudi chinh la chu the de thuc hien nhung hoat dong Tuy nhien hien tai SHB doi ngu thuc hien hoat dong KDNT rat it chua xung tam vdi quy mo hoat dong cung nhu mang ludi khach hang cang duoc md rong nhu hien Do vay, doi vdi SHB, muon dat hieu qua cao cong viec thi yeu to can quan tam dau tien la lam co duoc mot doi ngu can bo day du, nang dong, gioi chuyen mon, nghiep vu, dong thdi am hieu phap luat va co dao duc kinh doanh De co duoc mot doi ngu nhu vay thi trudc tien, ngan hang can co che tuyen dung > > r mot cach hop ly nham su dung duoc cac nhan vien co bang cap chuyen mon, tinh thong nghiep vu dap ung duoc nhu cau hien tai dang thay doi cua ngan hang, dong thdi co pham chat dao duc tot, tac phong lam viec nhanh nhen, phong cach giao tiep cdi md, lich su Tang cudng thu hut cac sinh vien xuat sac tu cac trudng dai hoc ve lam viec Thu hai, de thu hut va phat trien duoc nhung nguon nhan luc tre mot moi trudng canh tranh va nhieu ap luc nhu hien thi SHB can co mot che phuc loi tot nham dong vien tinh than, nuoi dudng cac nhan tai phuc vu cho su phat trien tuong lai cua toan he thong Can co nhung chinh sach khen thudng ro rang, lay hieu qua cong viec lam thudc khen thudng, co nhung mon qua kip thdi de dong vien tinh than cua can bo 91 3.2.3.2 SHB can chu dong to chuc cac cuoc khao sat tham y kien cua khach hang va chi nhanh ve nhu cau ngoai te cung nhu cac quy trinh va thu tuc co lien quan SHB can cd nhung cuoc khao sat tham cac chi nhanh ve viec thuc hien hoat dong KDNT, de cac chi nhanh neu len cac kho khan, vudng mac, dong thdi co nhung kien nghi rieng ve quy trinh thu tuc dang duoc ap dung va thuc hien Cac chi nhanh chinh la nhung ngudi lam true tiep vdi khach hang, ho la ngudi se phai tim hieu nhu cau cua khach hang de tir dua duoc nhu cau ve ngoai te cua chi nhanh Dong thdi, SHB cung co the dua mot mau phieu tham dd khach hang xem y kien phan hoi cua khach hang ve dich vu ma ngan hang dang cung cap, nhung nhu cau ve ngoai te cua khach hang da duoc dap ung day du hay chua, co van de gi khuc mac quy trinh thu tuc thuc hien hay khong Ben canh do, SHB co the cu cac doan cong tac xuong true tiep lam viec vdi cac chi nhanh, tiep xue true tiep vdi cac khach hang de nghe nhung y kien dong gop cua ho, tir co nhung thay doi va vach chien luoc phat trien mot each hop ly 3.2.3.3 SHB can md rong va lien ket cac nghiep vu cd lien quan tdi kinh doanh ngoai te Trong mot NHTM, cac hoat dong kinh doanh thudng co lien quan, tac dong tdi theo nhieu each thuc va phuong dien Hoat dong phat trien se tao dieu kien thuc day cac hoat dong khac phat trien theo Hoat dong KDNT cd lien quan true tiep va mat thiet hoat dong Thanh toan qudc te va hoat dong huy dong va cho vay ngoai te Ben canh cung cd mot so hoat dong khac cd the tan dung de tao dieu kien cho hoat dong KDNT phat trien nhu hoat dong kieu hoi a/ Doi vdi hoat dong Thanh toan qudc te: - Cd chinh sach thu hut khach hang mot each hop ly: Tiep tuc tim each tri vdi nhung khach hang ldn, dang cd quan he thudng xuyen, tao cho ho nhung uu dai nhu: cho muc ky quy thap, tu van mien phi cho khach hang ve cac phuong thuc 92 giao dich va toan co loi cho ho, thuc hien nhung muc phi uu dai cho cac khach hang co cam ket su dung dich vu lau dai cua ngan hang - Doi vdi nhung khach hang co nguon thu ngoai te ldn, can tao nhieu uu dai, hoac tim hieu nhu cau, nguyen vong cua khach hang de dap ung, tu thuc day viec nhung khach hang ban lai ngoai te cho ngan hang, tao nguon cung ngoai te doi dao hon - Don gian hoa cac quy trinh thu tuc, tao dieu kien thuan loi va nhanh chong nhat cho cac khach hang viec thuc hien nghiep vu nay, dong thdi thu hut duoc nhung khach hang mdi b/ Hoat dong huy dong va cho vay ngoai te: - Nghiep vu huy dong von ngoai te tao nguon cung cap von ngoai te cho hoat dong KDNT, vay toan he thong SHB can phai tiep tuc thu hut cac nguon ngoai te cdn chua duoc su dung dan cu va cac doanh nghiep bang viec thuc hien lai suat canh tranh , tich cue day manh quang cao, tiep thi - Ddi vdi nghiep vu cho vay ngoai te: tiep tuc phat trien vung chac thi phan tin dung bang each nang cao cdng tac tham dinh khach hang, thu hut them khach hang bang each md rong tien ich nhu tu van mien phi ve cac hoat dong kinh doanh cd lien quan tdi khoan von duoc vay, dua cac goi cho vay vdi lai suat uu dai cho mot sd ddi tuong khach hang dac biet cd nhieu hoat dong lien quan den ngoai te nhu cac cdng ty xuat nhap khau, de xuat cac ke hoach tra no phu hop nhat vdi khach hang c/ Hoat dong kieu hoi: - Thuc hien muc phi chuyen tien hop ly, co thoa thuan ddi vdi nhung ddi tuong thudng xuyen chuyen tien va cd nhu cau ban ngoai te cho cac chi nhanh; - Tang cudng cdng tac thong tin, hudng dan chi tiet cho khach hang md tai khoan, chuyen tien, nhan tien; phai cd hudng dan cu the, chi tiet tung loai hinh dich vu kieu hoi (thu tuc chuyen, linh ngoai te); - Dua cac chuong trinh mang lai nhieu tien ich cho khach hang nhu ket hop 93 nhan kieu hoi va gui tiet kiem vdi lai suat uu dai hay co cac chuong trinh tang qua cho khach hang co phat sinh giao dich nhan kieu hoi ldn 3.2.4 Nhom gidi phap khac thirc hien hoat dong Marketing ngan hang mot each co chu dong va hieu qua De thuc hien tot bat ky hoat dong kinh doanh nao thi viec marketing va quang ba la dieu het sue can thiet Vdi muc tieu thuc hien duoc cac hoat dong KDNT mdi (trong tuong lai SHB dang co gang het sue de dua san pham KDNT quyen chon vao su dung) thi viec quang ba lai cang can thiet hon nua Truoc het, SHB nen lua chon mot vai chi nhanh ldn, da thuc hien tot hoat dong KDNT tu truoc tdi de ap dung san pham mdi Sau do, cac chi nhanh can chu dong to chuc cac cuoc hoi nghi vdi nhung khach hang ldn, tiem nang de gidi thieu san pham mot each chi tiet va cu the hoac gidi thieu san pham thdng qua nhung td roi dupe thiet ke gon nhe, de hieu, bat mat de bat cu khach hang nao den giao dich tai chi nhanh cung cd the doc va cd cac thdng tin can thiet Ben canh do, doi vdi nhung hoat dong KDNT ma hien SHB dang ap dung va thuc hien, SHB can cd chien luge quang ba va tu van cho khach hang nhieu hon nua de khach hang duoc biet va su dung • • A X x A r A 3.3 Mot so kien nghi vdi ngan hang nha nircrc ve viec tao mdi trudng phap ly hoan thien cung nhu- dieu chinh mot sd co1 che chinh sach co lien r quan den kinh doanh ngoai te x r 3.3.1 NHNN can xay dung mot thi trudng ngoai hoi hoan thien Nhu tren da de cap, thi trudng ngoai hoi tai Viet Nam hien rat nhieu bat cap, la mot thi trudng chua chua hoan hao nen tai Viet Nam cac giao dich Quyen chon va Tuong lai rat kho de phat trien De hoan thien co che quan ly ngoai hoi, mot nhung nhan td khong the thieu la NHNN can phai cd nhung bien phap de tang du tru ngoai hoi Bdi le, de thuc hien mot chinh sach on dinh ty gia theo chu truong quan ly ngoai hoi hien cua NHNN , thi NHNN can phai nam giu mot luong ngoai hoi du nhieu de thuc hien viec can thiep can thiet Quan ly 94 dir tru ngoai hoi tot cung se gop phan thuc day su phat trien cua thi truong ngoai hoi Trong thoi gian qua du tru ngoai hoi cua Viet Nam da tang mot each dang ke cho thay nen kinh te cua Viet Nam dang phat trien kha kha quan Tuy vay, thuc trang quan ly du tru ngoai hoi cua Viet Nam cung dang co mot so bat cap nhu: hanh lang phap ly cho hoat dong du tru ngoai hoi edn hoc lo nhieu bat cap ve td chuc va thuc hien quan ly du tru ngoai hoi, ve nghiep vu kiem soat, quan ly noi bo hoat dong du tru ngoai hoi, chien luoc quan ly du tru ngoai hoi van thu dong, hoat dong dau tu du tru don dieu, co sd tang cong nghe thong tin nhieu han che, thieu can bo cd trinh va kinh nghiem De khac phuc va hoan thien tinh hinh du tru ngoai hoi cd the thuc hien mot sd dieu nhu: sua doi, bo sung quy dinh quan ly du tru ngoai hoi hoan thien chuc nang nhiem vu cua cac cap quan ly du tru ngoai hoi, tao dung cu sd vat chat ky thuat va han tang , hinh cac quy du tru ngoai hoi theo chuc nang va xay dung cu cau ngoai te va cu cau dau tuu du tru ngoai hoi cho tung quy, tang cudng dao tao va boi dudng can bo, tang cudg cong tac kiem tra kiem soat noi bo Ngoai NHNN can tang cudng vai trd kiem soat cua minh doi vdi cac NHTM va cac TCTD viec thuc hien cac quy che ma NHNN ban hanh Dong thdi NHNN cung can nam bat cac vudng mac cua cac ngan hang de tir dd cd nhung phan ung kip thdi Ben canh do, NHNN cung nen giao quyen chu dong hun nua cho cac NHTM nude linh vuc KDNT, nhat la dieu kien canh tranh manh me vdi cac tap doan tai chinh qudc te x r x 5.5.2 NHNN can xay dung he thdng van ban phap luat day du de hudng dan cac NHTM thuc hien nghiep vu kinh doanh ngoai te Hien cd mot so dieu luat dieu chinh hoat dong KDNT va thi trudng ngoai hoi noi chung mang tinh bat buoc, thieu tinh sang tao va nhieu ke hd va doi cd nhung quy dinh khong phu hop vdi thdi diem thi trudng luc Do vay, NHNN can nghien cuu thi trudng vao tung thdi diem phu hup va viec ap dung nguon luat hien thdi phu hop hay khong de cd the kip thdi sura doi vi su phat trien chung cua thi trudng ngoai hoi NHNN cung nen sua doi cac van ban luat ve 95 kinh doanh ngoai hoi hien hanh theo huong dan dan tir hoa thi trudng ngoai hoi, giam nhung can thiep mang tinh ap dat cua nha nudc hay NHNN vao ty gia hay vao cac ngan hang Ben canh NHNN can co cac van ban phap quy, hudng dan dac biet la cac van ban lien quan den cac giao dich quyen chon va giao dich tuong lai nham giup cho thi trudng cdng cu phai sinh cd co sd de nhanh chong di vao hoat dong va phat trien Can nhanh chong nghien cuu va ban hanh dong bo kip thdi cac van ban phap quy ve nghiep vu phai sinh va tao moi trudng phap ly, khung phap ly la co sd quan nhat de tao nen nhung rao chan bao ve su lanh manh cua thi trudng tai chinh Cd nhu vay NHTM moi cd dieu kien tham gia vao thi trudng de phong ngira rui ro cho minh va gop phan thuc day cdng cu phat trien thong qua viec cung cap dich vu ve cac cdng cu cho khach hang 96 KET LUAN Hoat dong kinh doanh ngoai te cua Ngan hang thuong mai dang dong vai tro het sue quan doi vdi su phat trien cua nen kinh te Vi nhan thuc duoc dieu ma Ngan hang TMCP Sai Gdn Ha Noi da het sue chu phat trien nghiep vu tuong lai Vdi muc tieu den nam 2020 tro tap doan tai chinh manh theo tieu chuan quoc te thi mot nhung nghiep vu can dupc phat trien dau tien ldn manh thi trudng quoc te tai SHB la nghiep vu kinh doanh ngoai te Hoat dong KDNT tai don vi da dat dupc nhung cong dang ke thdi gian qua dua Phdng kinh doanh ngoai hoi tro mot nhung don vi co tich hoat dong xuat xac he thdng SHB Tuy nhien, cac nghiep vu KDNT van chua phat trien, chua tuong xung vdi tiem nang va vi the cua ngan hang tien trinh hoi nhap kinh te quoc te, dac biet ve linh vuc ngan hang hien dai Ddng thdi hoat dong KDNT tai SHB van bo lo nhieu han che cac san pham ngoai te van it va chua dap ung het nhu cau cua khach hang, cong tac dao tao dpi ngu can bo thuc hien KDNT van chua dien thudng xuyen Vi vay, nghien cuu cac giai phap de nang cao hieu qua hoat dong KDNT tai SHB co y nghia khong chi dap ung nhu cau truoc mat ma co y nghia lau dai, mang tinh chien lupc doi hoi su dau tu cua ban lanh dao Ngan hang va su nd luc cua toan bo can bo phdng de thuc hien muc tieu de de cang md rong hon nua hoat dong nham chiem linh thi phan va ngoai nude Tir viec khai quat co sd ly luan chuong mot, chuong hai da di vao nghien cuu thuc trang cua hoat dong kinh doanh ngoai te tai SHB ben canh nhung cong dat dupc thi hoat dong van boc lo nhieu han che Chuong ba da de xuat nhung giai phap va kien nghi de nang cao hieu qua hoat dong KDNT tai SHB hon nua tuong lai Tac gia hi vong nhung giai phap dupc de se cd gia tri tham khao, giup Phdng kinh doanh ngoai hoi tai Hoi Sd dua nhung phuong hudng, chinh sach kip thdi de nang cao hieu qua hoat ddng KDNT tai Ngan hang TMCP Sai Gdn Ha Noi 97 DANH MUC TAI LIEU THAM KHAO • • Cong ty trach nhiem hiru han Ernst & Young Viet Nam (2010 - thang dau nam 2013), Bao cao kiem toan Ngan hang TMCP Sai Gdn Ha Noi x r Ha Anh Dung (2013), Ban ve rui ro kinh doanh ngoai hoi tai Viet Nam, www.cafef.com.vn Phan Thi Thu Ha (2006), Giao trinh Ngan hang thuang mai, NXB Thong ke Duong Htru Hanh (2005), Thanh toan qudc te va hoi doai, NXB Thong ke Dang Phung Hung (2011), Giai phap mcr rong hoat dong kinh doanh ngoai te tai hoi sd Ngan hang Thuong mai Cd phan Cdng thuong Viet Nam Ngan hang nha nuoc (2012 ), Thong tu sd 03/2012/TT-NHNN Quy dinh cho X ' vay bang ngoai te cua to chuc tin dung, chi nhanh ngan hang nudc ngoai doi vdi khach hang vay la ngudi cu tru Ngan hang TMCP Sai Gon Ha Noi (2010 - thang dau nam 2013), Bao cao ket qua hoat dong kinh doanh cua Ngan hang TMCP Sai Gdn - Ha Noi Ngan hang TMCP Sai Gdn Ha Noi (2010-6 thang dau nam 2013), Bang can r r doi ke toan cua Ngan hang TMCP Sai Gdn - Ha Noi Ngan hang TMCP Sai Gdn Ha Noi (2012), Quyet dinh sd 1387/QD - TGD ban hanh chinh sach cham soc khach hang tai Ngan hang TMCP Sai Gdn Ha Noi 10 Ngan hang TMCP Sai Gdn Ha Noi (2013), Quyet dinh sd 428/QD- HDQT quy dinh quy trinh giao dich ngoai te tai Ngan hang TMCP Sai Gdn Ha Noi 11 Quoc Hoi (2010), Luat cac To chuc tin dung sd 47/2010/QH12 12 Le Van Te, Kinh doanh ngoai hoi va xac dinh ty gid, NXB Thong ke, Ha Noi,2002 13 Nguyen Van Tien (2006), Cam nang Thi trudng Ngoai hoi, NXB Thong ke, 2006 98 14 Nguyen Van Tien (2006), Giao trinh Quan tri rui ro hoat dong kinh doanh Ngan hang Hoc vien ngan hang 15 Tran Trung (2013), Danh gid cong tac Quan ly Ngoai hoi nam 2012 va dinh hucrng chinh sach nam 2013, www.sbv.gov.vn 16 Uy ban thuong vu Qudc Hoi (2005), Phap luat ngoai hoi so 28/2005/PLUBTVQH11 CONG HOA XA HOI HOI NGHIA VIET NAM Doc lap - Ty - Hanh phuc NHAN • XET LUAN • VAN THAC • SI KINH TE •5 De tai: Nang cao hieu qua kinh doanh ngoai te tai Ngan hang TMCP Sai gdn Ha noi Chuyen nganh: Kinh te ddi ngoai Ma sd: Cua hoc vi6n: Nguyen Thi Thuy Ngudi phan bien thur nhat TS Hoang Thi Minh Chau Tinh cSp thiet, thcd su, y nghia khoa hoc va thuc tien cua dd tai lu&n van: Ngay khong mot quoc gia nao co the thuc hien muc dich tang trudng kinh te ma khong chu den chinh sach md cua va giao luu kinh te vdi nude ngoai Kd tir Viet nam gia nhap WTO thi hoat dong ngoai thuong cua Viet nam thuc sir < X X khdi sac Khi kinh te cang phat trien thi nhu cau ngoai te cang ldn, dieu lam cho hoat dong kinh doanh ngoai te cang trd nen soi dong va hap dim hon doi vdi nhieu ngan hang Day manh kinh doanh ngoai te se gop phan giup cac NHTM bat kip vdi toe phat trien cua kinh te the gidi, nang cao sue canh tranh va bo sung thu nhap cho ngan hang Them vao vdi xu hudng canh tranh cang gay gat linh vuc tai chinh - ngan hang nhu hien thi viec cac ngan hang md rong cac hoat dong kinh doanh phi truyen thdng dac biet la hoat dong kinh doanh ngoai te la hoan toan phu hop vdi yeu cau cua thuc tien La NHTM kha non tre d VN, vdi phuong hudng da dang hoa hoat ddng kinh doanh NHTMCP Sai gdn - Ha noi cung dang chu vao hoat dong kinh doanh ngoai te de phu phu hop vdi xu the chung cua cac NHTM nude Tuy x r x nhien dieu kien chinh sach ngoai hoi co nhieu thay doi va canh tranh linh vuc ngan hang cang khoc liet nhu hien thi viec lua chon de tai: “Nang cao hieu qua kinh doanh ngoai te tai Ngan hang Sai gdn - Ha noi ” cua tac gia co y nghia thuc tien sau sac, dap ung duoc yeu cau cap bach cua cac NHTM hien Su phu hop giua tdn dd tai vdi ndi dung, tinh khdng trung lap cua dd tai: - Ten de tai, noi dung, phuong phap nghien cuu phu hop vdi muc tieu, yeu cau cua luan van thac sy chuyen nganh: Kinh te doi ngoai - Nang cao hieu qua kinh doanh ngoai te la di tai duoc nhidu tac gia va cac nha khoa hoc nghien cuu nhung nam gan day, nhien ten cua de tai va cac noi dung trinh bay luan van v£ co ban khong trung lap voi cac cong trinh, luan van, lu&n an lien quan den hieu qua kinh doanh ngoai te tai NHTMCP Sai gon - Ha noi da cong bd thdi gian gdn day ma tdi duoc biet Ndi dung va cac kdt qua nghidn ciru dat duoc x r r De tai hon 90trang duoc ket cau lam chuong da bam sat duoc noi dung, muc tieu nghien cuu va dat duoc mot so ket qua sau : - Luan van da he thdng hoa va lam ro mdt sd van dd ly luan co ban ve hieu qua kinh doanh ngoai te tai cac NHTM, tap trung nhieu vao tarn quan trong, cac nghiep vu kinh doanh ngoai te, cac tieu chi danh gia hieu qua kinh doanh ngoai te Ddng ngoai te ca vd nhan td chu quan lin khach quan Day la nen tang ly luan quan trong, lam tidn de cho vide nghien cuu thuc trang hieu qua kinh doanh ngoai te tai chuong cua luan van - Bang nguon sd lieu cap nhat tac gia da di sau phan tich va danh gia thuc trang hieu qua kinh doanh ngoai te tai NHTM CP Sai gon - Ha noi thdi gian qua Sau phan tich, danh gia tung noi dung tac gia da rut cac nhan xet danh gia vd cac X bien phap ma NHTMCP Sai gon Ha noi da su dung nham nang cao hieu qua kinh doanh ngoai te Day la co sd thuc te vung chac cho cac kien nghi, dd xuat d chuong cua luan van - Trdn co so phuong hudng phat trien hoat dong kinh doanh ngoai te tai NHTMCP Sai gon Ha noi thdi gian tdi, tac gia da the hien su cong de xuat nhom giai phap co ban nham nang cao hieu qua kinh doanh ngoai te Cac giai phap tap trung vao giai quydt cac han chd da duoc phat hien d chuong cua luan van Mdt sd giai phap duoc tac gia di sau xem xet va luan giai chi tiet, nhin chung cac giai phap mang tinh kha thi va phu hop vdi dieu kien thuc tien cua NHTMCP Sai gon Ha noi Tfnh hop ly kdt cS(u luan van - Luan van duoc bo cue theo kieu truydn thdng, gdm chuong Nhin chung bo cue hop ly, each trinh bay ro rang, dd hidu - Luan van su dung cac phuong phap truyen thdng nhu tong hop, phan tich, dien giai dd nghidn cuu cac vari de vd nang cao hieu qua kinh doanh ngoai te NHTMCP Sai gon Ha noi la hoan toan phu hop vdi the loai nghidn cuu cac van de kinh td Nhung han chd va thidu sot cua luhn van r r r Luan van se dat ket qua tot hon neu tac gia di sau nghien cuu va hoan thien nhung noi dung sau : - Nen de muc 1.2 Kinh doanh ngoai te len truoc muc 1.1 Tdm quan cua viec nang cao hieu qua kinh doanh thi se dam bao tinh logic horn Ten muc 1.3 nen doi la : cac chi tieu danh gia hieu qua kinh doanh ngoai te - Tai trang cua luan van tac gia da giai han pham vi nghien cuu cua de tai: chi nghien cuu kinh doanh mua ban ngoai te nen noi dung tai muc 1.2.1.2- Cac hinh thuc kinh doanh lien quan d£n ngoai te (trang la khong cin thiSt) - Tai chuong danh gia hieu qua kinh doanh ngoai te khoang thbi gian tu 2010 den 2012, qua cac chi tieu ma tac gia trinh bay deu cho thay hieu qua kinh doanh ngoai te co xu hudng giam di, neu chi can cu vao sd lieu thang diu nam 2013 ma tac gia da khang dinh hieu qua kinh doanh co xu hudng tang la khong chac chan r - Ca chuong va chuong tac gia deu cd muc nghien cuu cac nhan to anh hudng den hieu qua kinh doanh ngoai te la khong can thiet, tac gia chua r neu bat duoc nhung uu diem va han che viec nang cao hieu qua kinh doanh nghoai te K6t lufin: Mac du co mdt sd' han che nha't dinh, nhung nhung noi dung trinh bay luan van dam bao duoc nhung yeu cau co ban cua luan van thac sy Hoc vien Nguyen Thi Thuy xiing dang duoc nhan hoc vi Thac si kinh te neu bao y ve cdng trudc Hoi dong cham luan van thac sy r Ha NOingay 15/1/2014 Ngudi phan bifin thii nhat TS Hoang Thi Minh Chau kinh doanh ngoai te tai NHTMCP SHB ? CONG HOA XA HQI CHU NGHIA VIET NAM Doc lap - Tw do- Hanh phuc *** X NHAN XET LUAN VAN THAC SY KINH TE A * • _ DE TAI: Nang cao hieu qua kinh doanh ngoai te cua Ngan hang Thuong mai co phan Sai Gon- Ha Noi Hoc vien cao hoc: Nguyen Thi Thuy Chuyen nganh: Kinh te the gidi va Quan he kinh te quoc te (Kinh te doi ngoai) Nguoi huong dan khoa hoc: PGS.TS Nguyen Nhu Binh *** r r a r /■ Luan van thuyet minh ro rang ve tinh tat yeu, muc dich, doi tuong va pham vi, va phuong phap nghien cuu Luan van bao dam duoc su phu hop giua phuong phap nghien cuu voi muc dich, doi tuong va pham vi de tai Noi dung luan van phu hop voi chuyen nganh dao tao Luan van bao dam duoc tinh moi cua van de nghien cuu dac thu cua pham vi nghien cuu la Ngan hang Thuong mai co phan Sai Gon- Ha Noi Day la tinh huong chua co nhieu nghien cuu ve khia canh nang cao hieu qua kinh doanh ngoai te Nhung cong chu yeu cua luan van the hien: - Trinh bay mot so van de ly luan chung ve hieu qua kinh doanh ngoai te tai ngan hang thuong mai ve cac van de nhu tam quan cua viec nang cao hieu qua kinh doanh ngoai te, dac diem va cac hinh thuc kinh doanh, nghiep vu kinh doanh mua ban, he thong chi tieu danh gia hieu qua kinh doanh ngoai te va cac nhan to anh hudng Nhung van de tao nen tang de hieu ro thuc chat cua hieu qua kinh doanh ngoai hoi cua cac ngan hang thuong mai khac voi cac to chuc khac - Phan tich thuc trang hieu qua kinh doanh ngoai te tai Ngan hang thuong mai co phan Sai Gon- Ha Noi ve tinh hinh kinh doanh, thuc trang hieu qua, cac bien phapda ap dung va danh gia cac yeu to anh hudng den hieu qua kinh doanh ngoai te cua ngan hang Cac bien phap nang cao hieu qua kinh doanh ngoai te da duoc ap dung duoc phan tich co giai phap kha quan la xay dung nhung chi tieu cu the, ro rang nham danh gia hieu qua kinh doanh ngoai te - De xuat dinh huong va giai phap nang cao hieu qua kinh doanh ngoai te cua Ngan hang thuong mai co phan Sai Gon- Ha Noi giai doan 2014-2015 va tam nhin den nam 2020 Tren co sd phan tich kha cu the va toan dien nhung thuan loi va kho khan kinh doanh ngoai te cua ngan hang, luan van de xuat duoc cac giai phap nang cao hieu qua kinh doanh ngoai te cua Ngan hang bao gom giai phap xay dung chinh sach da dang hoa nghiep vu kinh doanh ngoai te, tang cuong va thuong xuyen danh gia rui ro, khai thac cac yeu to co anh hudng tich cuc nhu dao tao nhan luc, tham y kien khach hang, lien ket cac nghiep vu lien quan cung nhu marketing ngan hang Cac kien nghi ve xay dung thi truong ngoai hoi hoan thien, hoan thien van ban huong dan nghiep vu kinh doanh ngoai te the hien su hieu biet kha sau sac cua tac gia a r a r Ve ket cau va trinh bay: Luan van co ket cau can doi, van phong trinh bay de hieu, r so lieu su dung cap nhat va bao dam tin cay Tuy nhien, luan van se co dong gop nhieu hon neu tim hieu them kinh nghiem nang cao hieu qua kinh doanh ngoai te cua cac ngan hang khac va ngoai nuoc de lam bai hoc tham chieu Phan trinh bay cac bien phap da ap dung Chuong nen gan voi muc tieu nang cao hieu qua thay vi cac bien phap mang tinh khai quat kha cao Cac giai phap nen gan voi cac phan tich o chuong de bao dam tinh thong nhat ca bai cung nhu de khai thac triet de cac khia canh mang tinh bo phan cua hieu qua kinh doanh ngoai te nhu theo giao dich, nghiep vu, loai ngoai te hoac theo tinh chat tong the hoac bo phan Chu y nhieu hon den cac giai phap mang tinh chien lupc kinh doanh ngoai te nen mo rong cac nghiep vu co hieu qua cao va giam cac loai nghiep vu hieu qua thap hoac thua lo hoac mo rong cac giao dich voi cac ngoai te co hieu qua caib , Chien lupc kinh doanh cung can the hien tinh chu dong kinh doanh ngoai te, kha nang giam thieu rui ro nhu la cach thuc de giam thieu chi phi nham nang cao hieu qua tong the Can chu y chinh sua mot so loi ky thuat Phan ket luan nen viet cu the hon nhung van de da giai quyet luan van * Danh gia chung: Mac du co mot so han che tren day song luan van la mot cong trinh nghien cuu khoa hoc doc lap, cong phu va nghiem tuc Luan van co the su dung lam tai lieu tham khao de nghien cuu, phan tich, de xuat giai phap nang cao hieu qua kinh doanh ngoai te tai Ngan hang thuong mai co phan Sai Gon- Ha Noi va hoat dong hoc tap, nghien cuu Luan van dap ung dupc yeu cau cua luan van thac sy kinh te chuyen nganh Kinh te the gioi va Quan he Kinh te quoc te (Kinh te doi ngoai) Tac gia luan van -Nguyen Thi Thuy xung dang nhan hoc vi thac sy kinh te chuyen nganh Kinh te doi ngoai x r r \ r t \ r f Ha Noi, 20 thang nam 2014 PGS.TS Nguyen Thuong Lang Dai hoc Kinh te Quoc dan YEU CAU CUA HOI ©ONG CHAM EUAN VAN THAC Si Vt Tnung di6m cdn sua chua bo sung truoc nop luan van chinh thuc cho Vien dao tao SDH (p W JC£f &Ufk / rtWA _ .y , .Wi r T- 7)7 Chu tich Hoi dong (Ky va ghi ro ho ten) Cam ket cua Hoc vien7 - M ty.< a? Jrk ILv ••• ••• ••• ••• ••• a • • ••• • • • I Hoc • vien (Kyvaghird ho ten) ■ ■ leu hgc vien cfi trfich nhiem chinh sua theo ySu clu cua Hoi fifing chim luan v3n Trong trudng hup khong chinh a sS khfing dugc cfing nhfin ket qua bao vf jc vien phai fifing ban yeu cfiu chinh sfta vao cufii luan vSn chiph thftc nfip cho vi8n ST SBH