Huy động vốn của ngân hàng đầu tư và phát triển việt nam bidv chi nhánh hà thành

TRUCJNG DAI HOC KINH TE QUOC DAN -TRUONG DHKTQD PHAN HUY LE HUY DONG VON CUA NGAN HANG DAU Ttf VA PHAT TRIEN VIET NAM BIDV CHI NHANH HA THANH Chuyen ngdnh : KINH TE CHINH TRI LUAN VAN THAC SI KINH TE • • NGUdl HlTONG DAN KHOA HOC PGS.TS DANG VAN THANG DAI HOC K.T.Q.D TT THONG TIN THU’VIEN PHONG LUAN AN-TU LIEU HaNoi-2017 LOI CAM DOAN Toi da doc va hieu ve cac hanh vi vi pham su trung thuc hoc thuat Toi cam ket bang danh du- ca nhan rang nghien cuu toi tn thuc hien va khong vi pham yeu cau ve su trung thuc hoc thuat Tac gia : PHAN HUY LE LOI CAM ON Tac gia xin chan cam on su giup tan tinh cua thay giao PGS.TS Dang Van Thang, cam on tap the cac thay, co giao Khoa Kinh te chinh tri - Truong Dai hoc Kinh te quoc dan Tac gia xin chan cam an Ban lanh dao, cac can bo tai Ngan hang Thuong mai co phan Dau tu va Phat trien Viet Nam BIDV - Chi nhanh Ha Thanh da tao dieu kien giup da tac gia hoan luan van Cuoi cung xin cam on gia dinh, ban be, dong nghiep da tao dieu kien ve thai gian va ung ho ve mat tinh than ldn lao da giup tac gia hoan ban luan van Trong suot thai gian thuc hien, trinh han che nen luan van se khong tranh khdi nhung thieu sot Tac gia rat mong nhan duac su dong gop y kien cua thay co giao ca quan huu quan cac nha khoa hoc va quv cac ban doc Tac gia xin chan cam an ! Ha Noi.3f thang42nam 2017 YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI VE ■» > ? Nhung diem can sua chua bo sung trade nop luan van chinh there cho Vien dao tao SDH Hoc vien PW 4eu hoc vien co trach nhiem chinh sua theo yeu cau cua Hoi dong cham luan van Trong tnrang hop khong chinh a se khong dirge cong nhan ket qua bao ve ic vien phai dong ban yeu cau chinh sua vao trudc ph§n myc luc luan van chinh thuc Ichi nop cho Vien DT SDH CONG HO A XA HOI CHU NGHIA VIET NAM Doc lap - Tu - Hanh phuc BAN NHAN • XET LUAN • VAN THAC • SI Ten de tai : Huy dong von cua Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh Hoc vien : Phan Huy Le Ngudi hudng dan khoa hoc : PGS.TS Dang Van Thang Ngudi nhan xet: PGS.TS Tran Viet Tien Trach nhiem Hoi dong : Phan bien 1 Tinh cap thiet, y nghia ly luan va thuc tien cua de tai luan van Von la co sd de ngan hang thuong mai (NHTM) to chuc moi hoat dong kinh z doanh cua minh Bdi vi vdi dac trung hoat dong NHTM, von khong chi la phuong tien kinh doanh chinh ma la doi tuong kinh doanh chu yeu Vdi vai tro quan nhu vay va vdi chuc nang la “di vay de cho vay” da dat r y r t cho cac NHTM mot van de la, phai khong ngung quan tarn tdi su phat trien von de r r dam bao cho hoat dong kinh doanh cua minh Do huy dong von cd vai tro het sue r quan trong hoat dong kinh doanh cua NHTM, dac biet bdi canh hien nay, > z r nude ta hoi nhap cang sau vao nen kinh te the gidi thi canh tranh huy try z dong von cang gay gat Vi vay de tai ma hoc vien Phan Huy Le lua chon de viet luan van tot nghiep cd y nghia ca ve ly luan va thuc tien Sir khong trung hip cua de tai luan van vdi cac cong trinh da cong bo: Cho den da co nhieu cong trinh nghien cuu den van de tai NHTM Tuy nhien chua cd de tai viet vd “Huy dong vdn cua Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh” da cong bo ma tdi duqc biet Do do, theo tdi, de tai z khong trung vdi cac cong trinh da cong bo Ve ket cau, phu’O’ng phap nghien cdu va tin cay so lieu cua luan van: 3.1 Ve ket cau: Luan van ngoai pMn md dau va ket luan, ket cdu luan an gom chuong Chuong la xay dung khung ly luan, chuong dua vao khung ly luan de khao sat thuc trang, tu dd xudt phuong hudng va giai phap d chuong Day la ket \ r \ r r r r cau truyen thong, phu hop voi doi tupng va muc tieu nghien ctru cua de tai Ket cau cho phep tac gia thirc hien dupe muc di'ch va nhiem vu dat cua luan van 3.2 Vb phuong phap: Tac gia da su dung phuong phap vat bien chung, vat lich sir; phuong phap logic va lich su, phan tich, tong hop, thong kb Day la nhung phuong phap phu hop voi chuyen nganh 3.3 So lieu co nguon goc ro rang, dang tin cay Van phong nhin chung viet de hieu va each thirc trinh bay phu hop voi luan van thac si kinh te De tai khong trimg lap voi cac de tai da cong bo ma toi dupe biet Gia tri• khoa hoc • cua Luan • van Thu nhat, voi each tiep can bang each lam ro cac van de co lien quan nhu NHTM, \ r hoat dong cua NHTM va nguon von cua NHTM Tren co so luan van luan giai noi r \ r r dung, cac nhan to anh huong va sir can thiet huy dong von cua NHTM Luan van gianh thoi lupng thoa dang de luan giai noi dung huy dong von cua z _ > ' z NHTM Theo luan van noi dung huy dong von cua NHTM gom: (l) Nguon von huy dong; (2) phuong thirc huy dong; (3) Hinh thirc huy dong; (4) cong cu huy dong Theo z > ngubi doc, huy dong von cua NHTM nhu vay la day du Tren co sb luan giai huy dong von cua NHTM, luan van phan tich cac nhan to anh huong va sir can thiet huy dong von cua NHTM Luan van ket cau nhu vay la chat che va co sue thuyet phuc 9 y Z ' De co them co sb de de xuat phuong huong va giai phap nham tang cubng huy dong von Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh, luan van da khao sat kinh nghiem huy dong von cua Vietcombank - Chi nhanh Hai Phong, Agribank Chi nhanh Tay Ho, Vietinbank Chi nhanh tu rut mot so bai hoc bo ich cho Chi nhanh hai, sau tbng quan vb Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh, luan van di vao khao sat thirc trang huy dong von tai Chi nhanh thoi gian qua Bang phuong phap logic va lich sir, phan tich, tbng hop, thong ke, so sanh, luan van vb co ban da khai quat duoc thirc trang huy dong von Chi nhanh Ha Tay tren cac phuong dibn : Quy mb huy dong von dan cu; co cau von huy dong dan cu Tren co sb do, tac gia da dua nhung danh gia vb thuc trang huy dong von tai Chi nhanh tren ca hai mat tuu, han che va nguyen nhan Z A Thu ba, tren co so ly luan b chuong 1, thuc trang b chuong 2, luan van da de xuat A AZ giai phap Ngubi doc cho rang, neu cac giai phap dupe thuc hien dong bo thi huy dong von tai Ngan hang Dau tu va Phat trien Viet Nam Chi nhanh Ha Thanh se dupe tang cubng Mot so van de trao doi cung tac gia Chucmg 1: Z A Can phan tich ro hon noi dung huy dong von cua NHTM Chucmg 2: r a Phan tich thuc trang huy dong von tai Ngan hang Dau tu va Phat trien Viet Nam A Z Chi nhanh Ha Thanh can bam vao noi dung huy dong von cua NHTM dupe luan giai b chuong Chucmg 3: r a - Chua co phuong hudng tang cubng huy dong von Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh A e rv Z - Nhieu kien nghi chua co co sb thuc tien f f r ' Ket luan : Mac du mot so han che, nhung luan van da dap ung dupe yeu cau z A e ' cua mot luan van thac si kinh te Kinh de nghi Hieu trubng Truong Dai hoc Kinh te cao hoc Phan Huy Le Ha Noi, 17 thang 12 nam 2017 PGS.TS Tran Viet Tien CONG hoa xa hoi chu nghia Doc lap - Tw - Hanh phuc Ha Noi, 19 thang 12 cam 2017 BAN NHAN XET LUAN VAN (Phan bien 2) De tai thac sy kinh te: Huy dong von cua Ngan hang Dau tu va Phat trien Viet Nam - Chi nhanh Ha Thanh Cua hoc vien: Phan Huy Le 1-Ho, ten vien Hoi dong: T S Nguyen Thi Thanh (Phan b ien n ) 2- Co quan cong tac: Ngan n ang TMCC Cong thuong Viet Ngm 3-Y Wen danh git, n hnh xet: Sau nghien cuu De tai: “Huy dong von cua Ngan hang Dau tu va Phat trien Viet Nam — Chi nhanh Ha Thanh ”, toi co mot so nhan xet chu yeu sau day 3.1-Tinh cap thiht cua De tai Huy dong von luon la nhiem vu quan hang dau hoat dong kinh doanh cua cac NHTM r Hon nua, cung vdi cac NHTM, co rat nhieu cac to chuc tai chinh, cong ty tai chinh, quy dau tu tham gia tich cuc huy dong von Dac biet boi canh hien nay, Chinh phu khuyen khich, tao dieu kien ho tro cac doanh nghiep day manh khoi nghiep phat trien SXKD Vi vay, nhu cau ve von, vay von ngan hang cua cac doanh nghiep cang ldn ■» A Trong do, Ngan hang Nha nudc tiep tuc tri chinh sach lai suat khong che tran vdi mot so ky han ddi vdi he thdng cac NHTC nen cong tac huy dong von luon co tinh canh tranh cao Huy dong von luon la nhiem vu quan trong hoat dong kinh doanh cua cac NHTC va la van de mang tinh thdi su va can thiet Vdi cach tiep can do, toi danh gia cao tinh cap thiet cua De tai nghien cuu X * 3.2- Su khong trung lap cua De tat nghihn cuu, tinh topic cua De tat De tai la cong trinh nghien cuu ve cong tac huy dong von tai Ngan hang BIDV - CN Ha Thanh, bhubg danh gia, ket luan cua De tai khong trung lap vdi cac de tai khoa hoc da duoc cong bo, da duoc bao ve ma toi duoc biet Tinh hinh, so lieu duoc su dung De tai co nguon goc trich dan day du va kha tin cay r x x ' 3.3- Do tic cay va tich hten dat caa phuffngphap da su dung de nghien cuu DO tai da su dung phu hop cac phuong phap nghien cuu co tinh truyen thong vdi hien dai qua trinh phan tich, danh gia va luan giai bang bhubg dan chung so lieu ve tinh hinh hoat dong kinh doanh tai Ngan hang BIDV - CN Ha Thanh de minh hoa Y 3.4nghia ly luan va thuc tien noi bat cua de tai Khang dinh huy dong von la nghiep vu co ban, la van de trung tam, co vai tro to Ion quyet din] mo hoat dong kinh doanh cua mot NHTM nen kinh te thi truong Huy dong von mang r cap thiet doi voi HDKD cua NHTM va cung ung von kip thoi cho nen kinh te z ' ' _ z a 3.5-Ddng gop moi, kha nang dp dung cua De tai De tai la mot cong trinh khoa hoc duoc tac gia trinh bay co he thong, tu nhung van de ly luan thuc tien, co rut bai hoc kinh nghiem dong gop cong tac huy dong nguon von cua J hang BIDV - Chi nhanh Ha Thanh Di vao noi dung cu the cua De tai, toi cho rang, De tai d nhung cong chu yeu sau day huy dong von cua NHTM Dong thoi cho thay mot so nhan to quan anh huong den hoat d huy dong von cua NHTM De tai da rut duoc bai hoc tu kinh nghiem ve huy dong von ta nhanh NHTM khac da cong, lam bai hoc ung dung co y nghia tham khao tot cho chi nh hien Thu hai ve co so thuc tien cua De tai, tac gia da khai quat kha ro ve thuc trang cong tac huy d von tai BIDV - chi nhanh Ha Thanh nam gan day (2014 -2016), tren cac mat: (1)-B dong kinh doanh cua Chi nhanh Ha Thanh; (2)-Qui mo va co cau nguon von dan cu Tac gia De tai co nhung phan tich danh gia chung ve ket qua dat duoc, dac biet la da phat duoc mot so ton tai va nguyen nhan anh huong den kha nang huy dong von tai chi nhanh Nh danh gia la dong gop cua De tai ve mat thuc tien, gop phan lam ro them thuc trang huy d von qua trinh hoat dong kinh doanh cua cac chi nhanh NHTM hien Chi nhanh Ha Thanh cung nhu cac chi nhanh NHTM nhung nam toi Toi cho rang, cac phap va kien nghi cua De tai dua la co co so thuc te, phu hop dieu kien hoat dong kinh cua cac chi nhanh Ngan hang Thuong mai co cung dac thu va co tinh kha thi Dac biet, co mo giai phap the hien ro noi dung cua De tai nhu: (l)-Nang cao chat luong nguon nhan luc ; (2)dung chinh sach lai suat huy dong canh tranh, linh hoat; (3)-Da dang hoa, phat trien moi san ph huy dong von; (4)-Tang cuong Marketing, quang ba san pham huy dong von; (5)-Phat trien tang khach hang, lay khach hang lam tam; (6)-Nang cao uy tin Ngan hang Tru so chinh BIDV Viet Nam nham tao dieu kien ho tro cong tac huy dong von cua cac Chi nh NHTM noi chung va BIDV -CN Ha Thanh noi rieng 3.6-Mot vai han che cua De tai Thanh cong cua De tai nhu da neu tren la rat can ban, dang duoc ghi nhan Tuy nhien, neu tac r De tai lam ro hon mot so van de sau day thi chat luong De tai se cao hon, cong trinh nghien se hoan thien hon a z a z a -Tin Chuong 1: Phan pham vi nghien cuu: Tac gia nen gioi han pham vi nghien cuu ve huy d ? AZA von dan cu cho phu hop voi Phan thuc trang chu yeu phan tich danh gia ve cong tac huy dong dan cu cua BIDV - CN Ha Thanh {tir trang 48 den trang 62) Thuc hien den cuoi nam 2016, ng von dan cu tang truong kha manh va chiem ty 34%/Tong nguon von, da co muc tang tru kha manh qua cac nam V -Tai Chuang 2: +Nham dam bao tinh nhat quan gitra 03 Chucmg, Tac gia can bo sung khai quat, tong quan ve hoat dong kinh doanh cua Ngan hang Dau tu & Phat trien Viet Nam giai doan 2014 -2016, qua biet dugc vi tri, thi phan cua BIDV - CN Ha Thanh toan he thong +Tai Diem 2.2 -Thuc trang huy dong von tai CN Ha Thanh :'\N: gia nen luge bd cac noi dung ve tong tai san, tin dung, thu ng ngoai bang, ty le ng xau noi dung nen chuyen sang Diem 2.1.2 Hoat dong kinh doanh cua BIDV - CN Ha Thanh Theo cac chi tieu II -Tin dung Bang 2.2 (trang 45) can thay the bang qui mo va ca cau nguon von huy dong cua CN qua cac ( cac chi tieu nguon von cua CN theo qui mo va ca cau i +Tir Diem 2.2.2.Qui mo huy dong von dan cu (trang 48), tac gia phan tich va danh gia ve nguon tien gui dan cu (den trang 62) Tieu de 2.3.2 -Mot sd ton tai cong tac huy dong von nhung noi dung chu yeu neu ve huy dong von dan cu han -Tai Chuang - bo sung them noi dung ve cong tac tai ca cau Ngan hang Dau tu & Phat trien Viet Nam va Chi nhanh Ha Thanh theo dinh hudng co phan hoa co phan chien luge huy dong ? von den nam 2020 Can neu bo sung them mot so giai phap ho trg nhu nang cao chat lugng tin dung, xu ly ng xau, phat trien mang ludi, nang cao nang luc kiem tra giam sat dam bao noi dung cac de xuat giai = phap cua de tai dugc toan dien han 3.7 -Mot so nhan xet khde -Ve h'mh thuc: De tai dugc ket cau theo chuong co moi lien ket tuomg doi phu hgp Van phong dugc su dung ro rang, de hieu, nhien Tac gia can soat lai cd chu tai cac bang so lieu ( bang 2.2 - trang ; bang 2.5 - trang 57 ) dam bao trinh bay dep va ro rang han -Ve noi dung: Ham luong thong tin kha day du, dat dugc noi dung chinh cua De tai -Ve De xuat va kien nghi\ co kha nang umg dung va kha thi thuc hien pham vi cac chi nhanh j NHTM co tuang dong ve qui mo va dac thu hoat dong kinh doanh 3.8 -Kien nghi & danh gid ve de tai Tuy mot vai han che, nhung khong anh hudng nhieu tdi chat lugng De tai nghien cuu De tai luan van phu hgp vdi chuyen nganh nghien cuu va khong trung lap vdi ten de tai cac cong trinh , nghien curu khoa hoc khac da cong bo Luan van co ket cau hgp ly; van phong gian di de hieu, so lieu tin cay Luan van da dap ung day du ve noi dung va hinh thuc cua mot luan van thac sy kinh te , va tac gia cua luan van xurng dang dugc Hoi dong xet duyet nhan hgc vi thac sy kinh te Ha Noi, 19 thang 12 nam 2017 T Nguyen Thi Thanh 87 3.3 Mot so kien nghi 3.3.1 Kien nghi voi Chinh phu • Hoan thien hanh lang phap ly cho hoat dong huy dong von dan cu cua cac NHTM Hien nay, he thong phap luat nude ta chua duoc hoan va dong bo, do de dam bao quyen loi chinh danh cho cac nha dau tu va ngudi su dung vdn thi Nha nude can phai tiep tuc hoan thien sua doi ban hanh cac luat, van ban dudi luat cd lien quan den hoat dong kinh te noi chung va hoat dong ngan hang noi rieng nhung phai dong bo tao hanh lang phap ly cho hoat dong cua cac doanh nghiep va cac NHTM di dung gidi han phu hop vdi xu the hoi nhap • Tao mdi trudng kinh te vi md on dinh Mdi trudng kinh te vi md on dinh ty le lam phat phu hop va tri da tang trudng kinh te yeu cau viec phai giai quyet tot cac chinh sach va ngudn luc cho su phat trien nhu chinh sach dat dai tao viec lam an sinh xa hoi, bao ve mdi trudng va bien doi hau Can cd mot the che kinh te va hanh chinh hien dai, cd hieu luc cao Su on dinh cua mdi trudng vi md la nhan to quan cho viec thu hut ngudn vdn huy dong tu dan cu cua cac NHTM dua tren hai goc do: gia tri dong tien on dinh va gia tang thu nhap ngudi dan, tu khoi tang ngudn vdn huy dong cho ngan hang Mdi trudng kinh te vi md cd anh hudng rat ldn den cong tac huy dong vdn cua ngan hang Nd tao dieu kien thuan loi nhung cung gay khong it kho khan, can trd cong tac huy dong vdn On dinh nen kinh te vi md la qua cua su phoi hop nhieu chinh sach nhu: chinh sach tai khoa, chinh sach tien te, chinh sach doi ngoai, sd chinh sach tien te cd vai trd quan doi vdi ngan hang Doi vdi nen kinh te hien nay, mot nhung noi dung cua viec tao lap kinh te vi md chinh la viec: chong lam phat, on dinh tien te Day la dieu kien can thiet cho viec thuc hien cac giai phap cd hieu qua Trong giai doan tdi, mot nhung kinh te tang trudng cao the on dinh, ben vung Dong thdi cung la dieu kien 88 phat huy tac dung chinh sach tien te viec dieu tiet khoi luong tien luru thong, mo rong hoac thu hep khoi luong tien cung ung cho phu hop voi cac muc tieu va su bien dong cua nen kinh te • Thuc day viec toan khong dung tien mat cua nen kinh te Thanh toan khong dung tien mat tai Viet nam hien van chua phat trien manh, tien mat van la phuong thuc toan chu yeu, chiem ty lon khu vuc cong, doanh nghiep va dan cu Vi vay, tiep tuc trien khai thuc hien de an toan khong dung tien mat theo quyet dinh 291 phu hop vdi trinh phat trien cua nen kinh te, tang ky thuat cong nghe va he thong toan Tu do, lam han che tien mat dan cu va gia tang luong tien tai khoan tai ngan hang • Thuc hien tien te hoa nen kinh te Viet Nam Phai xem nguon von khong chi don thuan la tien mat, nguoc lai, xem xet nguon von bao ham ca vat chat va phi vat chat, bieu hien bang tien (nen kinh te phi tien mat vdi nhung cong cu toan hien dai qua he thong ngan hang hoa nhap vao khu vuc the gioi), tao thoi quen khong dung tien mat hoat dong toan cua cac doanh nghiep • Xac dinh ro vai tro cua huy dong von Can dinh vi xac dinh ro vai tro huy dong vdn truoc het thuoc ve he thong thi truong tai chinh tien te nham phuc vu yeu cau va muc tieu cua cong nghiep hoa, hien dai hoa dat nude Xet ve mat quy luat thi tai chinh gian tiep co vi the rat quan • Quy dinh toan qua tai khoan ngan hang Quy dinh che toan, mua ban hang hoa dich vu va tra luong cho moi ca nhan va phan kinh te nen kinh te thong qua he thong tai khoan ngan hang • Tao dieu kien tot nhat cho cac doanh nghiep tu nhan Tiep tuc nghien cuu bo gung va hoan thien cac bo luat co lien quan den so huu, luat doanh nghiep, luat dat dai theo huong khang dinh lai tinh binh dang cua cac phan, khu vuc kinh te gan xuat kinh doanh, tao quyen loi tu chu cua cac doanh nghiep thuoc phan kinh te tu nhan, ca the, tu ban nha nude • Cham dut bao cap 89 Toi da hoa, thuong mai hoa nguon von, cham dut tu bao cap va co che xin cho roi rot lai he thong bao cap trudc day Can tiep tuc phan biet rach roi vai trd quan ly Nha nudc cua co quan cong quyen, cua he thong cai tri va vai tro kinh doanh tu trang trai, tu can doi va sinh loi cua cac doanh nghiep, cac tap doan kinh doanh Nha nudc hoat dong theo luat dinh, vach chinh sach va kiem soat hoat dong cua thi truong • Tang cuong kiem tra hoat dong cua doanh nghiep Cac co quan Nha nudc tang cuong kiem tra hoat dong cua cac doanh nghiep ngoai quoc doanh dam bao doanh nehiep hoat dong dung phap luat Day manh cai cach hanh chinh de khong kho khan cho cac doanh nghiep ngoai quoc doanh • Co phan hoa cac doanh nghiep Nha nudc • Tien hanh cd phan hoa cac doanh nghiep Nha nudc ldn, Nha nudc chi nen nam cd phan toi da 51% von d cac tong cong ty la du suc chi phoi Viec lam co y nghia to ldn cho viec huy dong von va cho kha nang sinh loi cong nghiep hoa, hien dai hoa nhieu yeu to mang lai 3.2.5 Kien nghi voi Ngan hang Nha nirtre • Hoan thien cac van ban hudng dan dudi Luat Ngan hang Nha nudc can tiep tuc bd sung va hoan thien cac quy dinh phap ly theo hudng khuyen khich cac NHTM tang cuong huy dong von noi chung va huy dong von dan cu noi rieng de gop phan phat trien kinh te xa hoi Luat cac td chuc tin dung 2010 da co hieu luc tu dau 2011, can hoan thien cac van ban hudng dan dudi Luat nham thuc day canh tranh lanh manh, ung dung cac thong le, chuan muc quoc te linh vuc tien te ngan hang, quy dinh ro pham vi hoat dong cung nhu loai hinh san pham huy dong von ngan hang ma cac td chuc tin dung duoc phep thuc hien va cung ung cho nen kinh te • Chinh sach lai suat 90 Lai suat la mot cong cu quan de ngan hang huy dong von hien co dan cu doanh nghiep cac to chuc tin dung Chinh sach lai suat chi phat huy hieu luc doi voi viec huy dong vdn dieu kien kinh te on dinh gia ca it bien dong Su dung chinh sach lai suat hop ly se thu hut cang nhieu nguon von xa hoi kich thich cac to chuc kinh te su dung nguon vdn cd hieu qua hoat dong san xuat kinh doanh Chinh sach lai suat phai duoc xay dung tren co sd ke hoach va thuc tien phu hop vdi dieu kien phat trien xa hoi cua tung thdi ky De giup cho ngan hang cd duoc lai suat hop ly, thu hut duoc nhieu nguon vdn nhan roi dan cu dong thdi day nhanh chinh sach cho vay mang lai lqi nhuan cho ngan hang, giam khdi luong tien luu thong NHNN phai su dung linh hoat chinh sach lai suat quan ly hoat dong kinh doanh cua cac NHTM, chuan bi cac dieu kien chu yeu tac dong vao viec thuc hien chinh sach lai suat cua NHTM • Chinh sach ty gia Khi ty gia bien dong nhanh thi mac du lai suat ngoai te cd xuong va lai suat noi te dang d muc cao thi nguon vdn huy dong VND cung khong tang trudng dang ke Do dd se gay kho khan cho cac NHTM huy dong vdn bang noi te tru chinh phu cd chinh sach binh on ty gia Neu ty gia on dinh thi cac NHTM se huy dong dupe nhieu noi te ma khong phai tang lai suat • Hoan thien va phat trien thi trudng vdn Trong dieu kien chuyen tir nen kinh te tap trung sang co che thi trudng cd dieu tiet vi md, viec hinh va phat trien thi trudng vdn cd y nghia rat ldn ddi vdi cac NHTM hien Su hinh va phat trien cua thi trudng vdn la yeu td thuc day sir phat trien cua thi trudng hang hoa Nen kinh te nude ta da cd nhung chuyen bien tich cue, tang trudng cang cao ddi hoi nhu cau ve vdn cang tang nham dap ung nhu cau phat trien se tao dieu kien thuan loi cho viec huy dong vdn thong qua phat hanh giay td cd gia Thi trudng vdn la noi gap go giua nhung ngudi cd kha nang cung cap vdn va nhung ngudi cd nhu cau vdn, qua tap trung duoc cac nguon vdn phan tan vdi khdi 91 luong nhd ngudn von ldn hon nham dau tu co hieu qua mang lai lai ich to ldn gop phan khdng nhd vao cong cuoc dua dat nude cang tien len Vi vay NHNN can xue tien va tac dong de thi trudng vdn cang phat trien va md rong • Thuc hien cd hieu qua cong tac tra kiem tra NHNN phai thuc hien tot chinh sach quan ly nha nude, tang cudng cac hoat dong tra kiem tra kiem soat, chan chinh xu ly kip thdi nhung sai pham lam that thoat ngudn vdn cua nha nude, cua nhan dan dua he thong cac TCTD di vao ne nep va cd hieu qua khdng ngung nang cao uy tin cua he thong ngan hang nen kinh te Md rong muc bao hiem tien gui Trong ca che thi trudng, viec lo lai hoat dong kinh doanh la mot yeu to Neu ngan hang hoat dong tot kinh doanh cd lai thi se cd nhieu khach hang gui tien Nguqc lai, neu ngan hang lam an thua lo se gap rui ro, bat chac hoat dong kinh doanh dieu anh hudng den viec gui tien va rut tien d ngan hang Do de ngudi gui tien thuc sy yen tam guri tien vao ngan hang, ngan hang can tham gia bao hiem tien gui Tuy nhien muc boi thudng thiet hai rui ro tien gui van chua thoa dang Nhu vay se khdng kich thi'ch khach hang cd ca sd tien ldn gui ngan hang NHNN nen cd chinh sach bao hiem tien guri giong nhu chinh sach bao hiem cac tai san khac Nhu vay giup khach hang an tam gui tien va ngan hang cd the huy dong duuc nhieu ngudn vdn nhan roi xa hoi • Ap dung lai suat thoa thuan hoat dong huy dong vdn tu dan cu Vdn la mot hang hoa dac biet, gia cua hang hoa chinh la lai suat, su bien dong cua lai suat phu thuoc vao cung cau tren thi truong Tuy nhien hien ngan hang Nha nude dang quy dinh muc lai suat huy dong vdn tdi da Tir khien cho cac NHTM kho khan viec huy dong vdn vi lai suat chua thuc duang va xuat hien hien tuong canh tranh khdng lanh manh huy dong vdn Ngoai viec NHNN cung quy dinh lai suat tdi da rut trudc han da khien cho NHTM kho khan viec thiet ke cac san pham phu hup vdi nhu cau cua khach hang NHTM 92 kho khan viec thiet ke cac san pham phu hop vdi nhu cau cua khach hang Vi vay kien nghi NHNN nen de lai suat huy dong vdn duoc van dong theo co che thi trudng, su can thiep cua NHNN chi thuc hien bang cac cong cu gian tiep nhu nghiep vu thi trudng md tai chiet khau • Dieu chinh muc du tru bat buoc phu hop giua cac to chuc tin dung Hien ty le du tru bat buoc doi vdi tien gui bang dong Viet Nam ap dung dung cho ngan hang Agribank va Quy tin dung nhan dan Trung uong la 1% va cac Nh thuong mai la 3% doi vdi ky han gui dudi 12 thang va 1% doi vdi ky han gui tren 12 thang Do chenh lech ldn khien anh hudng den cac NHTM phai du tru muc 3% khien giam sue canh tranh so vdi ca NHTM chi du tru 1% Do kien nghi dieu chinh muc phu hop khong qua chenh lech giua cac nhom NHTM Xay dung he thong thong tin khach hang truy cap nhanh Mdi he thong ngan hang can phai xay dung dupe he thong thong tin khach hang cap nhat cd the truy cap bat cu luc nao can thiet tren co sd he thong may tinh hien dai Vi mot dac diem giao dich cua cac to chuc kinh te thi trudng bao gid ho cung su dung mot nhom cac san pham cua ngan hang, qua viec thiet lap he thong thong tin khach hang giup ngan hang thuc hien cac nghiep vu co lien quan den nhu: tien gui, chi vay, khdng mat nhieu thdi gian de tim kiem nghiep vu thau chi tren tai khoan tien gui toan cua cac to chuc kinh te • He thong phap ly phai dong bo Viec ban hanh mot he thong phap ly ddng bo, rd rang khdng chi tao niem tin cho dan chung ma nhung quy dinh, khuyen khich cua nha nudc se tac dong true tiep den viec dieu chinh tieu dung va tiet kiem, chuyen mot bo phan tieu dung chua can thiet sang dau tu, chuyen dan tai san cat gifr tu vang, ngoai te hoac bat dong san sang dau tu true tiep vao san xuat kinh doanh hoac gui tien vao ngan hang Nha nudc nen cd nhung chinh sach khuyen khich ngudi dan tiet kiem hon nua nhung trudc het cac co quan nha nudc phai la ngudi di dau cong tac • Tdi uu hoa he thong phap luat 93 He thong cac van ban phap quy phai day du thong nhat khong duoc chong cheo giup cho cac ngan hang de dang ap dung Hien he thong phap luat nude ta dang duoc sua ddi nham dap ung nhu cau dd nhung tren thuc te van nhieu han che Cac van ban phap luat van chong cheo, nhieu hanh vi duoc nhieu luat dieu chinh nhung cd hanh vi chua duoc phap luat dieu chinh Mat khac, cac van ban phap quy nude ta hien van thieu nhung thay ddi thudng xuyen qua trinh hoat dong phat sinh nhung tranh chap, nhung van de trudc day chua cd Do do, viec lam can thiet hien la Nha nude nen tim each xay dung mot he thong phap luat vua thong nhat vira day du tao dieu kien cho cac NHTM hoat dong mot each lanh manh dat hieu qua cao 3.3.3 Kien nghi vdi Ngan hang BIDV Hoan thien co che gia dieu chuyen vdn FTP va phan cap uy quyen quyet dinh lai suat huy dong vdn Co che lai suat (bao gom FTP va cac cor che ho tro lai suat di kem) phai lien tuc bam sat bien dong thi trudng trd cong cu dieu hanh huu hieu dam bao loi l'ch cua khach hang va thu nhap cho chi nhanh Ben canh do, de viec phan cap uy quyen hoat dong huy dong vdn hieu qua, cor che FTP can duoc dieu chinh dam bao tao dieu kien cho CN viec quyet dinh lai suat dai tra Thuc hien phan cap uy quyen dieu hanh hoat dong huy dong vdn dan cu nham tang tinh chu dong cua CN viec quyet dinh lai suat nhan tien gui tham quyen cua cac CN viec nhan cac khoan tien gui khach hang ca nhan Khi cd quy dinh cu the ve sd du huy dong, bien lai suat de cap CN chu dong thuc hien Phat trien san pham dich vu phu hop vdi tung phan doan khach hang danh cho khach hang theo phan khuc thi trudng, phan doan khach hang vdi cac tieu chi lira chon khach hang muc tieu de xay dung chinh sach gia, thiet ke san pham, 94 chinh sach Marketing phu hop cho cac nhom khach hang thinh vugng nhom khach hang dai chung - thong, nhom khach hang VIP Ap dung cong nghe de ma rong kenh phan phoi cho cac san pham tien gui (qua Internet Banking/Mobile Banking) Tap trung cai tien cong nghe, day manh nghien cuu, doi mdi ung dung cac chuong trinh phan mem ho tra cong tac phat trien san pham huy dong von mdi, khai thac sO lieu danh gia hieu qua san pham tien gui Nghien cuu nang cap he thong SIBS ma rong, gia tang tien ich doi vdi cac san pham tien gui Day manh nghien cuu phat trien dich vu, san pham danh cho khach hang co thu nhap cao, se thiet ke cac san pham tien gui dac thu, phu hap voi nhu cau thuc hien cac giao dich tai chinh thudng xuyen cua khach hang Tang cudng ho tra CN cong tac dao tao Dao tao kien thuc, chuyen sau ve phan he tien gui, lam chu viec quan ly, nang cap phan he va ky nang thiet ke phat trien quan ly san pham tien gui kv nang trien khai thong tin qua mang ludi CN va cac kenh phan phoi mdi (IB/MB) Dao tao ve san pham huy dong von, quy trinh tac nghiep cho can bo quna he khach hang Dinh ky, to chuc dao tao ky nang ban hang theo cac cap do: can bo QHKH CRM, can bo don tiep khach hang CSR, can bo dich vu khach hang Teller, bao gom: ky nang giao tiep vdi khach hang, gidi thieu, ban san pham, phat trien va tri quan he vdi khach hang, thu thap thong tin khach hang Xay dung bo cam nang san pham tien gui ca nhan danh cho can bo QHKH va thudng xuyen cap nhat cac noi dung bo cam nang nay, co danh gia, so sanh san pham BIDV vdi cac doi thu canh tranh de can bo QHKH de dang nSm dugc cac dac tinh, vi tri cua san pham cua BIDV de gidi thieu cho khach hang Cong tac Marketing BIDV can quan tam, day manh hon nua den chinh sach quang ba, gidi thieu hinh anh cua BIDV noi chung, cac san pham dich vu ngan hang ban le noi rieng, dac biet la cac san pham mdi 95 Nang cao nang lire cong nghe cho chi nhanh Ngan hang Dau tu va Phat trien Viet Nam nang cao nang lire cong nghe cho chi nhanh Ha Thanh: trang bi cac thiet bi va chuong trinh tien ich, chuong trinh phan mem ung dung, cho chi nhanh Ha Thanh, giup chi nhanh thuan loi hon viec giao dich huy dong vdn va su dung vdn cd hieu qua Tang cuong cac dich vu hien dai Tang cuong cac dich vu hien dai nhu dich vu homebanking, directbanking ket ndi mang vi tinh tdi khach hang, thong qua mang khach hang cd the nam bat nhung thong tin co ban ve ngan hang Dau tu va Phat trien Viet Nam cung nhu chi nhanh Ha Thanh Ho tro rut ngan thdi gian phe duyet Hoi sd chinh cd gang rut ngan thdi gian xem xet phe duyet khoan vay du an vugt tham quyen cua chi nhanh Phan cong phuc vu khach hang ldn Hoi sd chinh xem xet phan cong phuc vu khach hang ldn giua chi nhanh va Hoi sd chinh theo hudng Ban quan he khach hang doanh nghiep ldn va phan cong chi nhanh la don vi trien khai giai ngan cu the cung nhu cung cap dich NH Rut gon cac khau xu ly giao dich Ngan hang Dau tu va Phat trien Viet nam sdm ban hanh cac mau bieu noi bo cung nhu cac quy dinh ve viec luan chuyen, phoi hop giua cac don vi lien quan de thuan tien qua trinh tac nghiep va phuc vu khach hang cua chi nhanh Ho sd chinh can thay doi quy dinh theo hudng rut gon cac khau xu ly giao dich hon de xu ly kip cac giao dich theo yeu cau va de nghi cua khach hang Tang chat luong san pham dich vu Cac san pham ban le cua BIDV hien tai da dang nhung khdng dem lai hieu qua cao hoac ton rat nhieu thdi gian va nhan luc trien khai Chat luong san pham dich vu chua cao edn true trac da trien khai tdi khach hang lam anh hudng tdi hinh anh cua ngan hang Ngoai ra, ve chuong trinh ngan hang luu ky, giam sat, 96 de nghi Hoi so chinh chi dao dut diem viec mua moi chuong trinh phuc vu cho viec trien khai dich vu 97 KET LUA N Trong boi canh hoi nhap cang sau rong hien nay, moi trudng kinh doanh co nhieu bien dong, dien bien trai chieu, anh hudng khong nho den hoat dong kinh doanh ngan hang, de co the nang cao nang luc canh tranh tren thi trudng va hieu qua hoat dong kinh doanh thi viec tao lap nen von on dinh vung chac la mot tat yeu khach quan va het sue can thiet, phat trien nguon huy dong von tu dan cu la dieu kien tien quyet Nhan thuc duoc dieu nay, BIDV Ha Thanh da co nhung bien phap chi dao sat tap trung day manh huy dong von dan cu Qua da dat duoc nhung ket qua rat kha quan, gop phan tang trudng nguon von, giu vung thi phan hoat dong tren dia ban Tuy nhien nhung nguyen nhan xuat phat tu ca ben lan ben ngoai hoat dong huy dong von dan cu tai BIDV Ha Thanh thdi gian qua van boc lo nhung ton tai nhat dinh De khac phuc nhung ton tai han che de hoat dong kinh doanh cua BIDV Ha Thanh dat duoc nhung ket qua cao hon, can co nhung giai phap ddng bo hieu qua Doi chieu vdi muc tieu nghien cuu dat ra, luan van da hoan duoc cac nhiem vu sau: Mot, he thong hoa phan tich va lam ro nhung van de co ban lien quan den hoat dong huy dong von dan cu cua NHTM Tu thay duoc su can thiet cua viec phat trien ngudn von huy dong tu dan cu Hai la, tren co sd danh gia thuc trang phat trien ngudn von huy dong tu dan cu, luan van da lam ro nhung ket qua dat duoc cung nhu nhung han che can khac phuc, ddng thdi chi nhung nguyen nhan khach quan va chu quan cua nhung han che viec phat trien ngudn von huy dong tu dan cu tai BIDV Ha Thanh Ba la can cu ly luan, thuc tien va dinh hudng phat trien cua BIDV noi chung va BIDV Ha Thanh noi rieng, luan van da de xuat mot so giai phap nham phat trien ngudn von huy dong tu dan cu tai BIDV Ha Thanh Ben canh do, luan van cung dua he thong cac kien nghi doi vdi Nha nudc, NHNN va BIDV nham ho tro cho viec thuc hien cac giai phap tren dat hieu qua cao 98 Trong qua trinh nghien cuu, mac du tac gia da co nhieu co gang, nhung trinh nhan thuc va gu hieu biet ve linh vuc nghien cuu han che, de tai co lien quan den nhieu cac linh vuc hoat dong ngan hang Vi vay luan van khong the tranh khoi nhung khuyet diem bat cap Em mong muon nhan duoc nhung y kien dong gop cua cac nha khoa hoc, thay giao, co giao, dong nghiep va nhung quan tam den linh vuc de gm hoan thien hon de tai cua minh Em xin chan cam on gu quan tam, ho tro- cua cac Thay, Co giao truong Dai hoc Kinh te quoc dan, dac biet qua trinh hudng dan nhiet tinh, cua PGS.TS Dang Van Thang va tu phia gia dinh, ban be dong nghiep da tao dieu kien, dong luc ldn lao de gm hoan luan van 99 TAI LIEU THAM KHAO Phan Thi Thu Ha, 2009 Quan tri Ngan hang Thuong mai Ha Noi Nha xuat ban Dai hoc kinh te quoc dan Nguyen Minh Kieu, 2010, Nghiep vu ngan hang hien dai, NXB Thong ke, TP Hd Chi Minh Ngan hang Dau tu va phat trien Viet Nam Bao cao ket qua thudng nien nam 2014-2016 Ngan hang Dau tu va phat trien Viet Nam Bao cao hoat dong Ngan hang ban le giai doan 2014-2016 Ngan hang Dau tu va phat trien Viet Nam Chi nhanh Ha Thanh Bao cao tong ket hoat dong kinh doanh nam 2014-2016 Le Thi Man Nghiep vu ngan hang thuong mai, Tai ban lan NXB Lao dong xa hoi Nguyen Thanh Luong Tim hieu cac quy dinh phap luat ve nghiep vu ngan hang, NXB Thong ke Quy dinh mdi ve quan lv hoat dong cho vay - Huy dong vdn - Phan tich tai chinh doanh nghiep - Quy trinh kiem toan va tra giam sat doi voi cac to chuc tin dung.ngan hang 2012, NXB Tai chinh Tai lieu dao tao nghiep vu huy dong vdn BIDV 10 Luat cac td chuc tin dung 2010 11 Ngo Thi Thanh Ha, 2013, Tang cuang huy dong vdn tai Ngan hang Dau tu va phat trien Viet Nam - chi nhanh Phu Tai, Dai hoc Da Nang 12 Mai Xuan Phuc, 2013, Met rong huy dong vdn tai Ngan hang TMCP Phuong Tay chi nhanh Da Nang, Luan van thac si Quan tri kinh doanh, Dai hoc Da Nang 13 Nguyen Thi Thien Huong, 2013, Huy dong vdn tai Ngan hang thuo'ng mai cd phan Quoc Te chi nhanh Dak Lak, Luan van thac si Tai chinh ngan hang, Hoc vien Hanh chinh 100 14 Cam nang quan tri rui ro kinh doanh ngan hang 15 Duong Huu Hanh Cac nghiep vu ngan hang thuong mai nen kinh te toan cau 16 Joel Bessis, Quan tri rui ro ngan hang NXB Lao dong - Xa hoi 17 Phan tich hieu nang hoat dong ngan hang thuong mai viet nam, NXB Phuong Dong 18 Brett King, Bank 3.0 - Tuong lai cua ngan hang ky nauven so 19 Luat bao hiem tien gui - luat phong chong rua tien va cac quy dinh moi ve hoat dong tin dung - chinh sach cho vay va huv dong von NXB Tai chinh Website 20 Ngan hang Nha nuoc Viet Nam : https://www.sbv.gov.vn/ 21 Hiep hoi Naan hang Viet Nam : http://www.vnba.org.vn 22 Ngan hang Dau tu va phat trien Viet Nam BIDV : bidv.com.vn 23 Ngan hang thuong mai co phan Ngoai thuong Viet Nam Vigtcombank : vigtcombank.com.vn 24 Ngan Hang TMCP Cong Thuong Viet Nam - VigtinBank : https://www.vigtinbank.vn/ 25 Bao dien tu thuoc nhom Thdi bao Kinh te Viet Nam : http://vngconomy.vn/ 26 Kenh thong tin Kinh te - Tai chinh Viet Nam : http://cafgf.vn/ 27 Chuyen trang Dau tu Bat dong san CafgLand - Tap chi dien tu Dien dan dau tu : https://cafgland.vn/ 28 Cong dong Ngan hang va nguon nhan luc : https://ub.com.vn 29 Dien dan Ngan hang thuong mai : http://svnhforum.com/forum/ 30 Cong dong Ngan hang Viet Nam : vietnambankers.com.vn/forums/ Document Viewer Turnitin Bao cao Doc sang Da xu'ly vao: 03-thg 1-2018 16:30 +07 ID: 882078810 Dem Chu': 41936 Da Nop: HUY DONG VON CUA NGAN HANG DAU TU* VA PHAT TRI Bdi Huy Le Phan 2% match (Internet tir 22-thg 2-2015) http://luanvanaz.com 2% match (Internet tu* 14-thg 12-2013) TuUng dong theo Ngudn Chi so TtTdng dong http://www.voer.edu.vn 1% match (Internet tu" 28-thg 3-2017) http://www.zbook.vn 1% match (Internet tir 10-thg 7-2013) http://doan.edu.vn 1% match (Internet tir 31-thg 5-2017) http://www.zbook.vn 1% match (Internet tir 15-thg 6-2017) http://www.zbook.vn 1% match (Internet tir 07-thg 7-2017) http://www.zbook.vn