Đầu tư nâng cao năng lực cạnh tranh tại công ty tnhh một thành viên tài chính prudential việt nam

LCD CAM DOAN Toi xin cam doan: Luan van la cong trinh nghien cuu thuc su cua ca nhan, duoc thuc hien dudi sir hudng dan khoa hoc cua Pho Giao Su, TiSn si Bui Van Hung Cac so lieu, nhung ket luan nghien cuu duoc trinh bay luan van trung thuc va chua tung duoc cong bo dudi bat cu hinh thuc nao Toi xin chiu trach nhiem ve nghien cuu cua minh Hoc vien Nguyen Chi Linh LOH CAM ON Lai dau tien, toi xin chan cam an Pho Giao Sa, Tien si Bui Van Hang, nguai da true tiep huang dan toi hoan luan van Vai nhung lai chi dan, nhung tai lieu, su tan tinh huang dan va nhung lai dong vien cua Thay da giup toi vugt qua nhieu kho khan qua trinh thuc hien luan van Toi cung xin cam an quy thay co giang day chuang trinh cao hoc ’’Kinh te r J r r a dau tu” - truong Dai hoc Kinh te Quoc Dan da truyen day nhung kien thuc quy bau, nhung kien thuc rat huu ich va giup toi nhieu thuc hien nghien cuu Xin cam an cac co chu, anh chi cong tac tai Cong ty TNHH Mot vien tai chinh Prudential Viet Nam da tao dieu kien thuan lgi suot qua trinh toi tham gia nghien cuu Cuoi cung, toi xin gui lai cam an den gia dinh, ban be da luon tin tuang, dong vien va giup suot qua trinh hoc tap noi chung cung nhu qua trinh toi thuc hien luan van noi rieng Toi xin chan cam an Hoc vien Nguyen Chi Linh CHUONG 1: TONG QUAN Ti'nh cap thiet cua de tai Muc tieu nghien ciru Nhirng dong gop khoa hoc va thyc tien cua de tai Ket cau cua de tai - Chuang 1: Tong quan - Chuang 2: Ca sa ly luan ve dau tu nang cao nang luc canh tranh cua to chuc tin dung - Chuang 3: Thue trang dau tu nang cao nang luc canh tranh cua Cong ty TNHH Mot vien Tai chinh Prudential Viet Nam giai doan 2009-2013 - Chuang 4: Mot so giai phap tang cuang dau tu nang cao nang luc canh tranh tai Cong ty TNHH Mot vien Tai chinh Prudential Viet Nam den nam 2020 CHVONG 2: CO SO LY LUAN • VE DAU Tlf NANG CAO NANG LUC • CANH TRANH CUA TO CHUC TIN DUNG 2.1 LY LUAN VE CANH TRANH VA NANG LUC CANH TRANH CUA TO chVc TIN DUNG 2.1.1 Canh tranh to chuc tin dung Trong hoat dong cua cac TCTD, canh tranh la viec cac TCTD tao va van dung cac loi the so sanh viec cung cap san pham, dich vu tai cung mot moi truung kinh doanh nham dat duuc nhung muc tieu cu the nhu loi nhuan, doanh so hoac thi phan, nang cao vi the cua minh tren thi truong horn so vdi cac to chuc khac Cac cong cu canh tranh cua TCTD: - Canh tranh bang chat luung; - Canh tranh bang gia ca; - Canh tranh bang mang luui phan phoi 2.1.2 Nang luc canh tranh cua td chuc tin dung Nang lure canh tranh cua TCTD la kha nang TCTD tao ra, tri va phat trien nhung loi the nham dat dune va ma rong thi phan; vdi mure loi nhuan cao hon muc trung binh cua nganh va lien tuc tang, dong thoi dam bao hoat dong an toan va lanh manh, co kha nang chong va vurot qua nhung bien dong bat loi cua moi truong kinh doanh Nang cao nang luc canh tranh cua TCTD la nang cao sue manh va loi the cua TCTD so voi doi thu canh tranh viec thoa man tot nhat cac doi hoi cua khach hang de thu loi cang cao Co nhieu tieu chi danh gia nang lure canh tranh cua mot doanh nghiep, dudi day la mot so nhom chi tieu chinh: - Nhom chi tieu ve nang luc tai chinh; - Nhom chi tieu ve nang luc hoat dong; - Nang luc quan tri dieu hanh; - Nang luc cong nghe; - Nang luc doi ngu can bo; - Nang luc cua he thong kenh phan phoi; 2.2 DAU IT NANG CAO NANG LUC CANH TRANH CUA TO CHIC TIN DUNG 2.2.1 Khai niem va vai tro cua dau tu nang cao nang luc canh tranh to chuc tin dung Dau tu nang cao nang luc canh tranh la mot bo phan co ban cua dau tu phat tang them hoac tao nhung tai san vat chat (nha xuong, thiet bi ) va tai san tri tue (tri thuc, ky nang ), gia tang nang luc san xuat, tieu thu hang hoa, dich vu so voi cac doi thu, lam tri va ma rong thi phan, thu loi nhuan cua doanh nghiep O cac TCTD, vdi dac thu la doanh nghiep kinh doanh tien te, hoat dong dau tu nang cao nang luc canh tranh la viec TCTD phan bo, su dung von va cac nguon luc khac hien tai de tien hanh cac hoat dong nham nang cao nang luc canh tranh cua minh so vdi cac TCTD va cac TCTD khac r x x 2.2.2 Nguon von dau tu nang cao nang luc canh tranh TCTD Nguon von dau tu cua TCTD dugc hinh tu nguon von chu so htru (von hinh tu ban dau) va nguon von bo sung qua trinh hoat dong (lqi nhuan chua phan phoi, cac quy ) 2.2.3 Noi dung ca ban cua dau tu nang cao nang luc canh tranh to chuc tin dung * Dau tu ma rong, da dang hoa san pham, dich vu: - Dau tu phat trien cac san pham huy dong von; - Dau tu phat trien cho cac san pham tin dung; - Dau tu phat trien cac dich vu tai chinh; * Dau tu hoat dong marketing, nghien ciru thi truang, tim kiem, nam bat thong tin va du bao - Dau tu cho hoat dong Marketing; - Dau tu cho nghien cuu thi truang, tim kiem, nam bat thong tin du bao; * Dau tu vao nguon nhan luc * Dau tu vao ca sa tang, may moc thiet bi, doi mdi edng nghe - Dau tu cho md rong tang, mang ludi chi nhanh, phdng giao dich; - Dau tu cho doi mdi nang cao cong nghe; X * Dau tu phat trien mang luai 2.2.4 Cac chi tieu danh gid ket qua va hieu qua dau tu nang cao nang luc canh tranh mot to chuc tin dung * Chi tieu danh gid ket qua dau tu nang cao nang luc canh tranh - Su gia tang nguon von chu sd huu; - Su gia tang ve tong tai san; - Sir gia tang thi phan; - Sir phat trien cong nghe; - Chat luung nguon nhan luc duuc nang cao; - Su phat trien cua mang luui chi nhanh * Chi tieu danh gid hieu qua dau tu nang cao nang luc canh tranh tai TCTD - Lui nhuan; - Ty le sinh lui tren von chu su hiru - return on equity (ROE); - Ty le sinh lui tren tong tai san- return on assets (ROA); - Chi tieu ve thi phan; - Chi tieu danh gia hieu qua kinh te xa hoi r r \ 2.2.5 Cac nhan td anh hudmg den dau tu nang cao nang luc canh tranh cua TCTD * Cac nhan to chu quan Cac nhan to thuoc ve noi tai cua he thong cac TCTD co anh huung rat lun den nang luc canh tranh cua cac to chuc Cac nhan to bao gom: - Nguon lire tai chinh, nguon von dau tu; - Trinh chuyen mon cua can bo nghiep vu; - Trang thiet bi cong nghe thong tin; - Cu cau td chuc cua TCTD; - Hoat dong Marketing * Cac nhan to khach quan - Moi truung kinh te; - Moi truung van hoa- xa hoi; - Moi truung phap ly; - Moi truung cong nghe; - Nhan to anh huung tu cac ddi thu canh tranh CHV0NG 3: THUC DAU IT NANG CAO NANG LUC • TRANG • • CANH TRANH CUA CONG TY TNHH MOT THANH VIEN TAI • • CHINH PRUDENTIAL VIET 2009-2013 • NAM GIAI DOAN • 3.1 TONG QUAN VE CONG TY TNHH MOT THANH VIEN TAI CHINH PRUDENTIAL VIET NAM 3.1.1 Sff liroc qua trinh hinh va phat trien 3.1.2 Cor cau to churc cua Cong ty TNHH mot vien tai chinh Prudential Viet Nam 3.1.3 Hoat dong kinh doanh cua cong ty tai chinh Prudential Viet Nam * Hoat dong huy dong von Nguon von huy dong cua cong ty tai chinh Prudential tu Cong ty Bao hiem Nhan tho Prudential Viet Nam Nguon von cua Cong ty Bao hiem Nhan tho Prudential Viet Nam duoc chuyen sang Cong ty tai chinh Prudential da duoc quan ly hieu qua * Hoat dong sic dung von - Hoat dong tin dung Hoat dong tin dung la hoat dong mang lai doanh thu chinh cho cong ty tai chinh Prudential, thudng chiem toi hon 90% tong thu nhap cua Cong ty Hien tai, cong ty tai chinh Prudential co cac hinh thuc cho vay chu yeu sau: cho vay kinh doanh va cho vay tieu dung Phan Ion cac khoan vay deu la trung va dai han - Hoat dong dau tu Day la hoat dong ma cong ty tai chinh Prudential chua phat trien manh Doi vdi cong ty tai chinh Prudential, danh muc dau tu cua Cong ty bao gom co phieu cua cac tap doan ldn tai Viet Nam, nhien, viec dau tu chung khoan cua cong ty tai chinh Prudential mdi chi dung lai o vai trd bao ton ngan quy va phan tan rui ro * Hoat dong dich vu tai chinh, tien te Ngoai hoat dong chinh tren, cong ty tai chinh Prudential cung cap mot so dich vu khac nhu: - Hoat dong tu van; - Hoat dong dai ly, mdi gidi; - Cac hoat dong khac: cac hoat dong dich vu ve phat hanh chung khoan; + Cac hoat dong dich vu kinh doanh ngoai hoi; + Cac hoat dong dich vu tai chinh; 3.2 THLC TRANG DAU TV NANG CAO NANG LVC CANH TRANH TAI • • • • • CONG TY TAI CHINH PRUDENTIAL VIET NAM GIAI DOAN 2009-2013 3.2.1 Nguon vdn dau tu nang cao nang luc canh tranh Nguon von dau tu nang cao nang luc canh tranh cua cong ty tai chinh Prudential Viet nam chu yeu lay tCr von chu so huu, lgi nhuan chua phan phoi va cac khoan dau tu cua tap doan Prudential Chau A phan bo hang nam cho cac cong ty true thuoc 3.2.2 Noi dung dau tu nang cao nang luc canh tranh * Dau tu phat trien cac san pham dich vu Ngoai cac san pham cho vay kinh doanh, tieu dung da cd, Cong ty da lien ket vdi cac doanh nghiep khac de trien khai cac san pham dich vu dac thu co lien quan den hoat dong cua tap doan Prudential nhu: dich vu cho vay tieu dung cac mat hang dien tu, cho vay du hoc, tu van tai chinh, tai trg thuong mai, mua ban trai phieu va ngoai nude (Bond Trading), tu van dau tu kinh doanh bat dong san (Real & Estate), mua ban sap nhap doanh nghiep (M&A), xep hang tin dung doanh nghiep * Dau tu phat trien nguon nhan luc Vdi so lugng lao dong tuong doi on dinh vdi khoang hon 500 can bo nhan vien tren toan he thong, cong ty tai chinh Prudential da xay dung mot chuong trinh phat trien nguon nhan luc vung chac, giup Cong ty dat cac muc tieu hieu qua nhat Nang cao chat luong truyen thong noi bo nham giup nhan vien hieu dugc chien luge phat trien cua Cong ty Cong ty luon luon chu nang cao trinh chuyen mon nghiep vu va xay dung tac phong lam viec chuyen nghiep hien dai cho nhan vien Cong ty cung thudng xuyen to chuc cac khoa dao tao chuyen mon, nghiep vu cho can bo, nhan vien, 77 tai chinh giai doan thi tinh dong bo cua he thong va kha nang xu ly thong tin cua cac thiet bi tin hoc ddi hoi cang cao - Nang cap va cai tien mang noi bo, cac phan mem cdng nghe phuc vu cac hoat dong nghiep vu nhu: phan mem chuyen mach va quan ly the, phan mem toan de tang tinh ket noi, an toan, nhanh chong, tang sd luong cdng tac truydn tai du lieu, xu ly nghiep vu giua tru so va cac diem giao dich nham nang cao chAt luong phuc vu khach hang, dong thdi tang cudng cho cdng tac quan ly cho cdng ty Tuy nhien viec nang cap va trang bi mdi cac he thong cdng nghe cho hoat dong nghiep vu can gan vdi viec phat trien cac san pham dich vu de khai thac tdi da tien ich cua cdng nghe - Chu dau tu ve nhan luc va trang thiet bi phuc vu trien khai cac cdng nghe tai chinh mdi, hien dai Tiep tuc trien khai cac du an hien dai hoa tai chinh dang dupe Cdng ty tai chinh Prudential Viet Nam thuc hien Tich cue chu dong lien he vdi Trung tarn Cdng nghe thong tin cua Cdng ty tai chinh Prudential Viet Nam de dupe ho trp cac van de ve cdng nghe, ky thuat - Viec hien dai hoa, trang bi cdng nghe mdi can chu y den cac van de sau: Chu den cac cdng nghe thuc su mang tinh diem timg giai doan phat trien va theo ke hoach dau tu vi dieu kien vdn cua ngan hang van cdn han che dau tu vao cdng nghe rat ton kern Dong thdi ddi vdi he thong phan mem trang bi can quan tarn den kha nang ung dung va md rong dich vu tai chinh Viet Nam tuong lai Ddi vdi he thong phan cung can quan tarn den viec nang cap, ddi mdi, dung lupng, toe xir ly va cd cau true md, kha nang tuong thich cao de de dang bo sung cac tien ich mdi nhu cau su dung, khai thac thay ddi - Day manh cdng tac nghien cuu, trien khai ung dung, khai thac cdng nghe hieu qua thong qua viec phat trien nhung san pham va nhom san pham dua tren cdng nghe cao nham nang cao kha nang canh tranh ve san pham, dich vu, tao su da dang lua chon san pham va tang cudng ban cheo san pham den khach hang - Hien tai Cdng ty tai chinh Prudential Viet Nam chu yeu su dung cac phan mem tai chinh dupe mua tu nude ngoai nen so vdi trinh phat trien cua dpi ngu 78 lao ddng linh vuc cdng nghe thong tin a nude ta cac phan mem cdn rat mdi me, do cdng tac phat trien doi ngu can bo cdng nghe thong tin la dieu can thiet, Cdng ty can phoi hop chat che vdi Trung tam Cdng nghe thong tin va Trudng dao tao va phat trien ngudn nhan luc cua Prudential Viet Nam de cd chien luge tuyen dung va dao tao can bo cdng nghe thong tin nham dam bao du chat luong va sd luong phuc vu cho cdng tac phat trien cdng nghe cua tap doan noi chung cung nhu cdng ty noi rieng c Chu dau tu cho hoat dong Marketing va phat trien thuong hieu Nghien cuu hoat dong Marketing cho tai chinh la mot nhung van de quan gop phan mang lai hieu qua cho cac cdng ty tai chinh Trong giai doan hau WTO hien nay, canh tranh gitra cac cdng ty tai chinh khong chi cdn d lai suat, chat luong dich vu ma thuong hieu tai chinh cung la mot yeu td song khong kem phan quan Trong dieu kien phat trien cua kinh te thi trudng nhu hien nay, de cd the gianh duoc thang loi cuoc canh tranh vdi cac doi thu tren thi trudng thi viec xay dung mot chien luge marketing hieu qua, phu hgp vdi thuc te la mot doi hoi thiet yeu ddi vdi tat ca loai hinh doanh nghiep noi chung va cac ngan hang thuong mai noi rieng Nghien cuu va thuc hien mot each tong hop, ddng bo va hieu qua cac chinh sach marketing phu hop vdi timg thdi ki, giai doan phat trien cu the cua tai chinh co nghia la tai chinh da thuc hien dugc cac giai phap huu hieu viec nang cao hieu qua kinh doanh va mat khac, nang cao nang luc canh tranh cua chinh don vi minh Nhan thuc dugc tam quan trgng cua marketing, thdi gian qua, Cdng ty tai chinh Prudential Viet Nam da cd nhung chien luge nham thu hut khach hang nhu tuyen truyen quang cao thong qua cac phuong tien thong tin dai chung hay thuc hien cac chuong trinh khuyen mai hap dan, cung cap cac dich vu cd chat lugng cao cho khach hang Tuy nhien, chien luge mdi dugc trien khai thuc hien mot each rieng biet ma chua co su phoi hgp dong bo nen hieu qua chua cao, chua khai thac triet de tinh hieu qua Vi vay, de nang cao hieu qua kinh doanh cung nhu nang luc canh tranh cua minh, Cdng ty nen cd su tap trung xay dung mot chien luge kinh 79 doanh vdi cac chinh sach ve san pham gia ca, phan phoi, khuech truung va chinh sach khach hang phu hop Tren co sd hoc hoi nhung kinh nghiem tir cac TCTD hien dai tren the gidi, can tien hanh hoan thien, dieu chinh phu hop vdi hoat dong Marketing cua tai chinh minh vdi tinh hinh thuc te cua nen kinh te dat nude va he thong tai chinh Viet Nam Chi nhanh phai xac dinh ngudi la nhan to quan nhat viec thuc hien muc tieu phat trien cac san pham ngan hang noi chung va phat trien cac hoat dong Marketing noi rieng Do can md rong va nang cao cdng tac dao tao chuyen vien ve Marketing tai chinh Cong ty cd the lien ket vdi cac trudng dai hoc khoi kinh te dua noi dung Marketing tai chinh vao giang day sau hon Cung vdi do, cd the td chuc cac buoi hoi thao, trao ddi kinh nghiem noi bo tai chinh mdi cac chuyen gia Marketing gidi ve giang day, cu cac bo cd kinh nghiem ve Marketing theo hoc nhung khoa dao tao chuyen nganh Marketing tai chinh d nude ngoai Ngoai Phong Marketing can phai dam bao thuc hien tot cac chuc nang, nhiem vu sau: - Tich cue thuc hien cac hoat dong quan he vdi khach hang, dieu tra thi trudng nham di sau tim hieu khach hang va thu nhan cac thong tin tir phia khach hang ve moi phuong dien: sd chat luong san pham dich vu, nhu cau cua khach hang, muc hai long cua khach hang, cam nhan ve hinh anh cua tai chinh de lam can cu, co sd hoan thien cac chuong trinh marketing - Phai phan loai dugc khach hang cua minh gom khach hang truyen thong, khach hang tiem nang Tir cd the phan doan dugc mire trung cua khach hang va cd nhung bien phap tiep xue vdi khach hang tang su gan ket vdi tai chinh Cung vdi cdng tac tren, phai thudng xuyen cd dugc nhung thong tin cua khach hang, nen kinh te tir cd the giam thieu rui ro xay hoac tu van cho khach hang hoat dong kinh doanh tang them su trung cua khach hang Ddi vdi khach hang tiem nang, Cdng ty tai chinh Prudential Viet Nam phai lap danh sach va thudng xuyen thuc hien cdng tac quang cao, tiep thi loi cuon thu hut khach hang 80 den vdi cdng ty Thuong xuyen cu nhung can bo co trinh nang luc cao, kha nang giao tiep tot den nhung doi tuong tren Trudc cac nhan vien da cd nhung hieu biet nhat dinh ve khach hang: cdng viec, thoi quen, dac diem, kha nang Qua tai chinh Prudential Viet Nam thong qua tiep xue cac nhan vien cd the nam bat dupe nhu cau, mong muon cua khach hang Chi it, neu that bai thi cdng ty cung biet dupe diem yeu cua minh so vdi ddi thu canh tranh khac - Quang ba thuong hieu cua cdng ty minh di kem hoat dong gidi thieu cac san pham dich vu ma minh cung cap mang lai la gi? Cac dich vu san pham hau nhu ngudi dan chua dupe tiep can vi ho chua hieu het tinh nang cua nd Hau het ngudi nhu tiet kiem gui gop, tiet kiem lai suat luy tien internet banking Vdi ho, Cdng ty tai chinh chi don gian la noi guri tien tiet kiem va vay tien - Mot sd khach hang chua dupe cung cap nhieu thong tin ma lai la cac khach hang tiem nang tuong lai Nhieu ho cd tien ma don gian la khong biet dau tu vao dau, vi khong nam bat dupe thong tin, thong tin chua tiep can dupe vdi ho Va phan ldn cac san pham ban le cua Cdng ty tai chinh chua dupe marketing nhieu chi mot phan rat nho khach hang tiep can dupe qua cac trang web cua cac cdng ty tai chinh - Xay dung chinh sach gia ca linh hoat ddi vdi tung loai san pham dich vu, tung ddi tuong khach hang - Cac diem giao dich la kenh phan phoi san pham dich vu rat quan Khi lap cac diem giao dich, ngan hang can quan tam den van de nhu dia diem cua noi md quay giao dich, thdi gian md cua, bo tri trang thiet bi tai quay, tinh da dang cua cac san pham dich vu dupe cung ung tai quay de dam bao cac san pham dich vu dupe cung cap cho khach hang mot each nhanh chong thuan tien vdi thai hoan hi va dap ung tot nhu cau cua khach hang Chinh sach phan phoi phai thong nhat vdi viec phat trien, md rong mang ludi Can md rong mang ludi den cac thi 81 tran, trung tarn kinh te cua timg huyen co mat dan cu dong va kinh te phat tridn va cac khu cdng nghiep ldn cua tinh nhu Khu cdng nghiep - Tang cudng cac hinh thuc khuyen mai du thudng di kern vdi cac san pham nhu qua tang, tang the mua hang, tu van mien phi cho khach hang ve cac linh vuc tai chinh dau tu quay sd du thudng trung vang, du lich, d Tang cuang phat trien mang lucri Cdng ty tai chinh Prudential can phai tiep tuc md rong mang ludi toan quoc va phai dam bao cac yeu cau dat ddi vdi viec dau tu phat trien, md rong mang ludi nhu sau: - Khan truang quy hoach sap xep, co cau lai di doi vdi tiep tuc md rong hop ly mang ludi phdng giao dich, diem giao dich va cac kenh phan phoi khac cua de phuc vu cho muc tieu phat trien san pham, dich vu ngan hang, chu md them Phdng giao dich, diem giao dich tai cac tinh cd nhieu khu cdng nghiep cum Cdng nghiep de md rong dia ban hoat dong nham thu hut them ngudn tien gui day manh cho vay va thu phi dich vu - Trong dau tu phat trien mang ludi can chu y den viec bo tri ngudn nhan su va su da dang hang hoa san pham cho phat trien cac diem giao dich, phdng giao dich mdi - Can cd su quan tarn dung muc ve quy md vdn dau tu va thdi diem dau tu ddi vdi viec phat trien mang ludi 4.3.3 Gidiphap ve tuan thu quy dinh cua Ngan hang Nhd nude Viet Nam Trong qua trinh hoat dong cua mot TCTD, viec tuan thu cac quy dinh cua co quan quan ly nha nude cung gop phan lam lanh manh hoa hoat dong, giam thieu rui ro, qua cung lam tang cudng sue canh tranh cua TCTD tren thi trudng Thuc hien chi dao cua Ngan hang Nha nude Viet Nam theo ke hoach co cau lai cac td chuc tin dung den het nam 2015 da dugc Thu tudng Chinh phu ban hanh, cdng ty tai chinh Prudential da trinh len Ngan hang Nha nude Phuang an co cau lai den het nam 2015, cdng ty tai chinh Prudential da de cac muc tieu de cai 82 thien cong tac quan tri dieu hanh, nang cao nang luc tai chinh cung nhu hoat dong kinh doanh Ngan hang Nha nude Viet Nam da phe duyet Phuong an co cau lai cua cong ty tai chinh Prudential va dang tien hanh giam sat tinh hinh thuc hien cac giai phap cua cdng ty tai chinh Prudential nham thuc hien cac muc tieu neu Phuong an: - Tien hanh soat, chinh sua mot so quy trinh sau day de phu hop vdi tinh hinh hoat dong cua Cdng ty cung nhu dam bao tuan thu cac quy dinh mdi cua Ngan hang Nha nude; du kien xay dung va ban hanh cac quy trinh, chinh sach, quy dinh nhu: Quy dinh va chinh sach ve Bao tri van phong; Chinh sach va quy trinh hoat dong Phan tich kinh doanh; Tiep tuc nang cap, phat trien he thong quan tri rui ro; xay dung mot chuong trinh phat trien ngudn nhan luc vung chac giup Cdng ty dat cac muc tieu hieu qua nhat - Theo ke hoach trung han, Cdng ty Tai chinh Prudential se su dung loi nhuan sau trich lap cac quy theo quy dinh cua Ngan hang Nha nude de bo sung vdn tu cd, ho trq viec phat trien va md rong hoat dong kinh doanh - Cdng ty tiep tuc thuc hien nghiem ngat qui trinh thu no, xu ly no xau va giam no xau - Md rong mang ludi phan phoi tai cac thi trudng tiem nang de tiep can cac khach hang mdi; tim giai phap da dang hoa ngudn vdn trung/dai han thong qua phat hanh trai phieu doanh nghiep, chung chi tien gui hay thoa thuan han muc tin dung vdi cac ngan hang nude ngoai 4.4 KIEN NGHI 4.4.1 Kien nghi ddi vdi Chinh phu Mdi trudng phap ly la vo cung quan trong, vi nd la co sd, dieu kien de cac Cdng ty tai chinh cd the hoat dong hieu qua co che thi trudng De hoan thien hon ntra mdi trudng phap ly, xin dua mot sd kien nghi sau: - Hoan thien he thong phap luat ve cdng ty tai chinh: Hoan thien he thong phap luat, tao hanh lang phap ly on dinh, dong bo cd hieu luc va minh bach Mot he thong tai chinh lanh manh ddi hoi Nha nude phai tao lap dupe mot he thong phap 83 luat tai chinh ngan hang hoan chinh, co chat luong cao, doi xu binh dang gitra cac loai hinh to chuc tin dung, ke ca cong ty tai chinh nude ngoai, dong thdi, dam bao tinh minh bach de khuyen khich canh tranh lanh manh gitra cac cong ty tai chinh, bao dam su an toan va hieu qua cua he thong tai chinh, trudc mat Nha nude can giai quyet mot so van de sau: + Sua ddi, bo sung Luat Tai chinh Viet Nam va Luat cac td chuc tin dung r V r i r cap nhat phu hop dudng loi phat trien kinh te, xa hoi, thong le va chuan muc quoc te Nhung noi dung sua ddi, cap nhat se tao dieu kien cho cac cdng ty tai chinh Viet Nam phat trien va hoi nhap cdng tren thi trudng quoc te + Thong nhat va hoan thien cac van de he thong ke toan kiem toan dac biet la van de phan loai no xau, trich lap du phong phu hop vdi tieu chuan quoc te + Hoan thien he thong cac van ban lien quan den viec thu hoi va cac bien phap xu ly tai san the chap theo hudng cdng khai, minh bach, nhat quan va hieu qua + Phat trien va hoan thien cac tieu chi danh gia tinh an toan va hieu qua hoat dong cua cac cdng ty tai chinh ma cac ben cd quyen loi cd lien quan cd the su dung duoc nhu : cac nha quan tri dieu hanh tra va giam sat cac nha dau tu, khach hang nham danh gia muc an toan va hieu qua hoat dong cua cdng ty tai chinh Tu nham tang cudng nguyen tac thi trudng tao dieu kien cho cac ben co quyen loi lien quan cd the giam sat chat che hon hoat dong cua cdng ty tai chinh + Sdm ban hanh cac quy dinh mdi, tao khung phap ly cho cac nghiep vu tai chinh mdi + Cuoi cung la ban hanh day du cac van ban hudng dan ddi vdi cac Luat da ban hanh va cd hieu luc de cac cdng ty tai chinh thuc hien dung, day du - Hoan thien hoat dong cua thi trudng tien te va thi trudng chung khoan: Tao dieu kien cho viec phat trien thi trudng tien te va thi trudng chung khoan nhu la nhan td thuc day viec ddi nhung dich vu tai chinh noi chung va dich vu ngan hang noi rieng Su dung cac cdng cu tai chinh de thuc day, phat trien hoat dong thi trudng tien 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che tinh tu chu cua cac cdng ty Do Nha nude can ndi long chd dgi - Day manh phat trien tang cdng nghe thong tin: Ha tang cdng nghe thong tin cua mot quoc gia cd anh hudng ldn tdi su phat trien cua cac nganh kinh te, nganh tai chinh la nganh dich vu do yeu cau ve tang cdng nghe thong tin cang cao Do de cac Cdng ty tai chinh Viet Nam cd the canh tranh cdng qua trinh hoi nhap Nha nude phai phat trien manh, dong bo tang cdng nghe thong tin de tao dieu kien cho cac cdng ty tai chinh phat trien cac hoat dong, nhat la cac san pham dich vu tai chinh hien dai Can cd chinh sach ho trg phat trien co sd tang vien thong cua Viet nam, chat lugng dich vu vien thong hien chua dap ung dugc yeu cau tu phi cac cdng ty tai chinh va chi phi dich vu van cao 4.4.2 Kien nghi ddi vdi Ngan hang Nhanude La co quan quan ly Nha nude cao nhat viec dieu hanh chinh sach tien te cua Quoc gia, Ngan hang Nha nude can tiep tuc hoan thien he thong phap luat ve cdng ty tai chinh de cd the dap ung dugc nhung yeu cau cua hoi 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De lam dugc dieu Ngan hang Nha nuoc phai lam tot vai tro nghien cuu tim hieu va cung cap thong tin ve luat ngan hang, thi trudng, su phat trien cua nganh tai chinh, ngan hang d cac nude tren the gidi de dinh hudng cho cac cdng ty tai chinh nude ve chien luge hgp tac, phat trien vdi cac cdng ty tai chinh quoc te Nha nude can sdm nghien cuu cac loai hinh dich vu ngan hang mdi, hien dai dugc bien tren the gidi de co the ban hanh cac van ban phap luat dieu chinh thong qua de cac cdng ty tai chinh dieu chinh cho phu hgp vdi tinh hinh thuc te tir nang cao dugc chat lugng cac dich vu ma ngan hang dang cung cap Day manh phat trien hien dai hoa hoat dong cua thi trudng lien ngan hang, phat trien cac hinh thuc giao dich mdi Ngan hang Nha nude can chu dong dau tu hien dai hoa cdng nghe de phat trien cac giao dich cua toan he thong He thong toan nude ta chua dugc ket noi toan quoc, can dugc hien dai hoa de thuc hien ket noi toan quoc tao tinh an toan nhanh chong, chinh xac va tien lgi cho hoat 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Chinh phu va Ngan hang Nha nude ma tac gia dua deu mang tinh dai han, cac ca quan chuc nang can bam sat tinh hinh 89 bien dong cua nen kinh te noi chung va he thdng cac td chuc tin dung Viet Nam noi rieng de kip thdi dua nhung chinh sach, chi dao phu hop, tao dieu kien cho cac to chuc tin dung phat trien ben vung, canh tranh lanh manh Qua luan van, ban than tac gia cung chi dua duoc mot so giai phap de nang cao nang luc canh tranh cua Cdng ty TNHH Mot vien Tai chinh Prudential Viet Nam va dinh huang den nam 2020 thong qua viec khai thac phan tich cac chi tieu, so lieu va diem manh yeu cua dan vi Trong qua trinh thuc hien de tai chac chan khong tranh khdi nhung thieu sot Tac gia rat mong nhan dugc su gop y cua cac thay, cd giao va cac ban dd luan van dugc hoan thien han 90 DANH MUC TAI LIEU THAM KHAO CIEM va UNDP (2004), Nang cao nang luc canh tranh Quoc gia, NXB Giao thong van tai, Ha Noi Chu Van Cap (2003), Nang cao sue canh tranh cua nen kinh te nude ta qua trinh hoi nhap kinh te quoc te, NXB Chinh tri Quoc Gia, Ha Noi Cong ty TNHH Mot vien Tai chinh Prudential Viet Nam Bao cao tai chinh da dugc kiem toan cua Cong ty TNHH Mot vien tai chinh Prudential Viet Nam tir 2011 - 2013 Le Quang Khanh (2011), Cac giai phap nang cao nang luc canh tranh cua cdng ty cd phan chung khoan Trang An, Luan van thac sy quan tri kinh doanh, trudng Dai hoc Kinh te Quoc Dan, Ha Noi Vu Trong Lam Nang cao sire canh tranh cua cac doanh nghiep tien trinh hoi nhap kinh te quoc te, xuat ban nam 2006 Nguyen Bach Nguyet - Tir Quang Phuong (2007), Giao trinh kinh te dau tu, NXB Dai hoc Kinh te quoc dan Ha Noi; Michael Porter (1979), Md hinh dp luc canh tranh, tap chi Harvard Business Review Quoc hoi nude CHXHCN Viet Nam (2010), Luat Cac Td chirc tin dung so 47/2010/QH12 16/6/2010 Ngan hang Nha nude Viet Nam (2010), Thong tu so 13/2010/TT-NHNN 20/5/2010 quy dinh ve cac ty le bao dam an toan hoat dong cua td chirc tin dung 10 Tong Quoc Trudng (2008), Md hinh td chirc va quan ly Tap doan kinh te, Tap chi Nghien cuu Tai chinh ke toan Hoc vien Tai chinh, so (56), tr.58, Ha Noi 11 Tran Suu (2005), Nang luc canh tranh cua doanh nghiep dieu kien toan cau hod, NXB Lao dong Ha Noi 91 12 Tong Quoc Trudng (2008), Tap doan kinh te a Viet Nam, Tap chi Nghien cuu Tai chinh ke toan, Hoc vien Tai chinh, sd (59), tr.28, Ha Noi 13 Vu Giam sat ngan hang, Co quan tra giam sat ngan hang, Ngan hang Nha nude Viet Nam Bao cao giam sat tinh hinh hoat dong cua cac to chirc tin dung nam 2009, 2010