Nâng cao năng lực cạnh tranh trong hoạt động tín dụng của tổng công ty tài chính cổ phần dầu khí việt nam

LOU CAM DOAN Toi xin cam doan day la cong trinh nghien ciiu cua rieng r ban than toi Cac so lieu su dung phan tich luan van co n r r r nguon goc ro rang, da dune cong bo theo dung qui dinh Cac ket qua nghien cuu luan van la tac gia tu tim hieu, phan tich mot each trung thuc, khach quan va phu hop voi thuc te I ac gia Tran Thi Phirffng Hoa MUC LUC • • LO’I CAM DOAN DANH MUC CAC TU VIET TAT DANH MUC SO DO, BANG, BIEU DO X •> X PHAN MO DAU .1 CHUONG 1: NANG LUC CANH TRANH TRONG HOAT DONG TIN DUNG CUA CAC CONG TY TAI CHINH 1.1 Tongquan ve cong ty Tai chlnh 1.1.1 Khci giem ve Cngg ty Tai chinh 1.1.2 Cao hoat dong co bag cun Cngg tv Tai hhinh .10 1.2 Cang tranhvVnhngl ire cong trangtroog hoot dong t indung cha cong ty tai chigh 12 1.2.1 Cang trang trang Caot dong tin Cung cha chc Cong ty Tai ching 12 1.2.2 Nang lire canl! hcang hcoog tihot dong tin dung cua cac (Cong ty Tai chhih 22 1.2.3 Mot so chi tiea dCgh tiC gagt luc hngh tochh toogg hoat dnhg tig dngt cun cCc Cngt ty Tai Chinh 233 1.2.4 CCc yeu to Cng huong ddn nging ire ccng trang trang haot Cong t in dung cun cCc Cni^ ty Tai chinh 218 1.3 King nggiem traog hootddngt in dungcua cong tytai chmg y y y ty Tai chinh co phan Dau Viet Nam toi da lua chon de tai “Nang cao nang lye canh tranh hoat dong tin dung cua Tong Cong ty Tai cua minh Chu’O’ng NANG Lire CANH TRANH TRONG HOAT TIN • • • DONG • DUNG CUA CAC CONG TY TAI CHINH 1.1 Tong quan ve cong ty Tai chinh Cong ty tai chinh la mot loai hinh to chuc tai chinh phi ngan hang To chuc tai chinh phi ngan hang la cac to chuc kinh doanh linh vuc tai chinh - tien te, duqc thuc hien mot so hoat dong ngan hang nhu la noi dung kinh doanh thuong xuyen, nhung khong dupe nhan tien gui khong ky han va lam dich vu toan 89 dupe dat tai cac van phong giao dich cua cong ty gidi thieu khach den tham quan lam viec Thu-2: Tim hieu khach hang Ben canh nhung viec tich cue quang ba, tuyen truyen ve cong ty, can phai nghien cuu nhu cau su dung dich vu tai chinh cua khach hang, tim hieu A danh gia va yeu cau cua khach hang su dung dich vu cua PVFC de hoan thien nghiep vu cho phu hop Tich cue thu thap thong tin ve nhu cau tai chinh cua cac don vi, khach hang tiem nang qua cac kenh thong tin (tu cong cong ty, tir cac don vi, ) A A Cong viec can phai lam thudng xuyen hang tuan b > r a - Vao dau thang hang nam lam viec true tiep vdi cac don vi ve nhu A cau dich vu tai chinh va cac linh vuc hop tac nam Thong qua trp giup cua cac don vi nganh nhu: VSP, VR, ban quan ly du an Tiep can tim r hieu nhu cau cua khach hang tiem nang, cua nganh kinh te ky thuat khac a a - Vao cudi mdi nam de nghi khach hang cd nhan xet, danh gia ve viec r cung cap cac dich vu tai chinh cua PVFC noi chung, cho vay trung va dai han noi rieng theo timg nhom khach hang bang each thong qua hinh thuc phieu trac nghiem, thu hoi y kien Ddi tupng hoi la khach hang su dung nhieu nhat va it nhat cac dich vu cua cong ty Thu 3: La hinh thuc hoat dong Maketing Hang nam xac dinh ngan sach cho cong tac Maketing tren co sd khoi luong cong viec cu the, phu hop vdi qui dinh tai chinh ke toan nha nude ban hanh Thu- 4: Xay dung va ap dung cac chinh sach cham soc khach hang hop ly La dieu kien uu dai cua timg hop dong cu the, cac che ngoai giao vdi ca nhan, tap the cac dip dac biet 90 r r Doi ttrang: tat ca cac khach hang va ban hang co quan he voi cong ty Tuy nhien can co chinh sach dac biet vdi cac doi turqng sau: - Cac dan vi nganh, dac biet la cac dan vi ldn, tiem nang nhu PVGC, PTSC, Petechim, - Cac ngan hang thuong mai ldn nhu: ngan hang dau tu, ngoai thuong, cdng thuong, nong nghiep, va cac to chuc tai chinh khac nhu bao hiem, cdng ty chung khoan Nhung noi dung can thurc hien gom: r r + Xay dung tai chinh thong nhat cho cdng tac cham soc khach hang + Xay dung chinh sach vdi tung loai khach hang + To churc cac buoi giao luu vdi cac don vi nganh, cac ngan hang, to chuc tai chinh de tang tinh than thien (tham gia da ngoai, to churc thi dau \ a r the thao, van nghe quan chung) Cac chuong trinh can duoc dua vao ke hoach hoat dong cua cdng ty hang nam Thir 5: Xay dung hinh anh rieng cho minh thong qua can bo tin dung: - Lam viec dung nguyen tac: thuc hien dung va du cac quy trinh nghiep r vu, cac noi quy, quy che cua cdng ty, tuan thu theo phap luat - That tha, trung thuc thuc hien cac dich vu vdi khach hang - Chu dao tan vdi khach hang vdi thai mem mong, lich su, hudng dan khach hang chu dao ve moi thu tuc can thiet ke ca dam phan, giao dich true tiep nham tao niem tin cho khach hang - Coi nhiem vu cua khach hang cung chinh la nhiem vu cua minh Cd gang het sue ho tra cho khach hang hoan nhiem vu vdi tinh than “thanh cdng cua khach hang chinh la cdng cua PVFC” A - Can bo tin dung cua PVFC phai tuan thu mac dong phuc, deo phu hieu Day chinh la hinh anh cau cdng ty gay an tuang vdi khach hang r giao tiep 91 - Doan ket noi bo gitra cac don vi cong ty, giQa cac vien phong Moi ngudi can lam viec voi tinh than tat ca vi cong viec chung cua cong ty Tranh tu tuong cue bo, cac phong chi lo thuc hien nhiem vu cua minh ma khong co su phoi hop giup lan de hoan nhiem vu chung 3.2.6 Tang cu d ng he thong thong tin Viec thu thap thong tin tu nhieu nguon khac nhu phong van ngudi xin vay, so sach cua ngan hang, cac nguon thu thap tu cac doanh nghiep thong qua bao cao tai chinh, tinh hinh san xuat kinh doanh cua doanh nghiep vay von, cac nguon thong tin tu dich vu, cac co quan cung ung thong tin va tu cac nguon khac Hien co nhieu nguon thong tin vdi chinh xac lan Ion Vi vay, cdng ty chon lua thong tin nao la chinh xac la rat kho PVFC chu yeu thu thap thong tin tu phia khach hang thong qua phong van true tiep, bao cao tai chinh, bao cao ket qua kinh doanh va cung co trudng hop cu can bo toi tan noi san xuat kinh doanh cua khach hang Tuy nhien neu chi thu thap nguon tin tu phia khach hang thi khong cd tin cay cao vi chung ta biet rang khach hang luon muon vay von mot each nhanh chong nen thuong xuyen xay hien tuong thieu trung thuc dua nhung thong tin ve minh Vi vay, cdng ty can md rong pham vi thu thap nhung nguon thong tin khac nhung phai biet chon loc de tranh hien tuong “loang thong tin” Ngan hang can chu y toi nhung nguon sau: - Can chu toi viec cu can bo co kien thuc nghiep vu va cd kien thuc chuyen mon cua nganh nghe linh vuc ma khach hang dang kinh doanh, den tan dia ban san xuat cua doanh nghiep Ket hop vdi nhung thong tin khach hang cung cap nhu bao cao tai chinh tinh hinh san xuat kinh doanh - Phai thuong xuyen theo doi nhung thong tin duoc cung cap tu he thong thong tin tin dung cua ngan hang nha nudc Viet Nam, cua ngan hang 92 ngoai thuong Viet Nam He thong thong tin duoc danh gia la dang tin cay vi nha nuoc quan ly Tuy nhien, he thong moi duoc lap nen \ x r r chua hoan thien va day du ca ve so lupng va chat lupng Thong tin thu dupe X X tir nguon moi chi co ve tinh hinh du np va np qua han phai toan cua doanh nghiep tai cac ngan hang ngoai thuong, cac thong tin ve x -> x r thi trudng, ve kinh te, xa hoi deu khong co Ben canh do, cac To chuc tin dung chua thuc su tuan thu chat che yeu cau cung cap thong tin - Cong ty can co bo phan rieng quan ly cac ho so giay to cua khach hang ke ca voi nhung khach hang tarn thdi khong co quan he tin dung vdi \ X Cong ty Day cung se la nguon thong tin quan trong nhieu trudng hop can thiet - Chu nguon thong tin dai chung vi day la nguon thong tin khach X < quan nhat Mat khac, cong ty can co su hop tac va trao doi thudng xuyen vdi nhung to chuc tin dung khac, cac co quan, to chuc chinh quyen dia phuong va ' ' or giu tot mdi quan he vdi khach hang vi ddi ho cd the cung cap cho chung ta nhung thong tin quy bau De co the thu thap cac thong tin, tdi xin de xuat mot so phuong phap thu thap thong tin sau: - Phuong phap thu tin qua mang may tinh noi vdi cac to chuc tin dung khac- Thu tin qua dudng cong van tu cac co quan quan ly cua nha nude hoac chinh quyen dia phuong thuoc dia ban hoat dong cua PVFC - Phuong phap thu tin true tiep tir doanh nghiep, gap go true tiep de phong van lanh dao doanh nghiep hoac gian tiep qua dien thoai, fax, tim hieu ' • • ' o o r true tiep tai dia diem san xuat kinh doanh cua doanh nghiep de chuyen den doanh nghiep giri ve cong ty cac thong tin dudi dang van ban 93 - Thu thap thong tin tu trung tarn thong tin tin dung (CIC) cua Ngan hang nha nude: day la dau moi thu thap cac thong tin tin dung lien quan den khach hang cua cac Ngan Hang Thuong Mai - Phuong phap thu thap thong tin tir cac co quan thong tin bao chi, day la phuong phap don gian nhung rat huu hieu, thong tin co nguon goc xac thuc, da dang, phong phu - Phuong phap thu thap thong tin qua cac mang thong tin dien tu nhu mang Internet, Vinanet, mang tri tue Viet Nam cua FPT, tin tire online Nhu vay, cong viec thu thap thong tin rat phuc tap, vi vay, cong ty nen thiet lap mot bo phan thong tin tin dung cho rieng minh Dieu khong chi lam tot cho khau tham dinh ma giup ich cho ca qua trinh cho vay cua cong ty, viec han che rui ro tin dung, nang cao hieu qua cong tac cho vay Khi co dupe cac thong tin can thiet thi viec lua chon khach hang la rat r quan Lau thuc te thubng chi co khach hang lua chon to chuc tin dung, to chuc tin dung thuc hien tin dung doi vdi hau het cac khach hang den vdi minh Thuc d day phai la quan he hai chieu: Khach hang lua chon to chuc tin dung va to chuc tin dung lua chon khach hang Dieu rat quan vi no han che rui ro cho Cdng ty, dam bao von cho vay thu hoi day du, dung han va co lai, gop phan dam bao hoat dong tin dung cua cdng ty Khi lua chon khach hang, cdng ty can chu y chon khach hang co hoat dong kinh doanh co hieu qua, lam an co uy tin va san long tra no dung han Cong ty co the xem xet quan he kinh doanh cua khach hang vdi cac to chuc kinh te khac qua nhieu nam de co co sd danh gia mure do, uy tin cua khach hang Viec lira chon khach hang phai dupe thuc hien mot each chu dong (nghia la neu biet don vi kinh te nao lam an co hieu qua va co uy tin thi cong ty co the chu dong den dat quan he tin dung vdi don vi do) Cdng ty khong nen d the bi dong, ngoi cho khach hang den go cua xin vay, minh moi 94 xem xet co cho khach hang vay hay khong Viec lira chon khach hang phai ap dung cho moi phan kinh te, tranh tinh trang doi vdi phan kinh te quoc doanh, cdng ty cu cho vay ma khong xem xet don vi kinh doanh co hieu qua hay khong Be viec lua chon khach hang duoc khoa hoc, cdng ty nen tien hanh phan tich va xep loai cac doanh nghiep theo bon nhom tieu thuc: quy md doanh nghiep, kha nang toan, quan he tin dung va hieu qua san xuat kinh doanh Cu the: Quy md doanh nghiep duoc phan ba loai: doanh nghiep quy md ldn, vua va nhd Dua tren cac tieu thuc muc von dieu le, sd nhan vien, doanh sd hoat dong Danh gia kha nang toan phan ba loai: doanh nghiep cd kha nang toan tot, trung binh va kem Dua tren co sd tinh toan, phan tich kha nang tai chinh doanh nghiep, bao cao ngan quy Danh gia ve quan he tin dung cua doanh nghiep duoc phan nam r r loai: A, B, C, D, O bon loai: A, B, C, D duoc xep loai khoan vay tuong ung nhom A cd du no tot (khoan vay han co kha nang hoan tra no goc va lai dung han, cac khoan vay da gia han no cd kha nang hoan tra no goc va lai dung han); nhom B cd du no cd van de gom cac khoan no qua han 360 ngay; nhom O la doanh nghiep chua cd quan he tin dung r Danh gia hieu qua san xuat kinh doanh dupe phan hai loai: doanh nghiep kinh doanh thua Id va doanh nghiep kinh doanh cd lpi nhuan, dua tren r r bao cao ket qua hoat dong san xuat kinh doanh cua doanh nghiep ky de danh gia 95 •t r r \ Ngoai ra, cong ty co the tien hanh xep loai ngudi lanh dao quan ly, dieu hanh doanh nghiep dang co quan he tin dung tai cac to chuc tin dung Viec xep loai dua tren tieu thuc ky nang va kinh nghiem cua cac nha quan ly r r y t De nang cao chat luong cong tac tham dinh can co su phoi hop giua cac r o y chuyen gia, nhung can bo tu van ve cac linh vuc nhu gia ca, ky thuat, kiem tra chat luong san pham Nang cao chat luong cua he thong thong tin tin dung Trong cong tac tin dung, thong tin la yeu to dong vai trd quyet dinh giup cho cong ty quyet X e X ' dinh co dau tu hay khong Cac thong tin tu phia khach hang cung cap nhieu lai thieu day du, chinh xac, vay can bo tin dung khong the chi dua vao cac luong thong tin khach hang cung cap du an ma can phai nam bat, xu ly cac thong tin ve moi van de lien quan den phuong an, du an tir nhieu nguon khac Mat khac, to chuc luu tru, thu thap cac thong tin ve khach hang, thong tin cong nghe, xay dung he thong cung cap thong tin cham diem y r x va xep hang tin dung khach hang, dua tren viec ap dung cac phan mem tin hoc Day se la can cur de danh gia chinh xac hon ve khach hang vay vdn va r r x nang cao kha nang, toe xu ly, quyet dinh cho vay va dau tu Trang bi, bo sung may mdc thiet bi tin hoc Hoan thien cac tinh nang X X e •> XX cua phan mem Corebanking, xay dung bo sung cac phan mem quan ly tac nghiep de ho trp cong tac quan ly va trien khai nghiep vu XX • Thuc hien cac chuong trinh phan mem ung dung cong tac tham dinh, theo doi, giam sat tinh hinh su dung vdn vay cua khach hang hoat dong tin dung cua cong ty • Tien hanh mor rong noi mang giua PVFC vdi cac ngan hang cd quan he vdi PVFC de quan ly doi tupng khach hang mot each cd hieu qua hon 96 Tiep tuc hoan thien mang thong tin noi bo cong ty va ket noi • giua cac phong ban, chi nhanh, tram lien lac, cac diem giao dich, phan tich, tham dinh, danh gia du an va cac thong tin lien quan den khach hang r X PVFC can chu dong hon viec tim kiem thong tin thong qua • trung tarn thong tin Ngan hang Nha nude va voi cac hang tin nhu Reuter, e X Money Line, Telerate de cap nhat thuong xuyen cac thong tin ve ty gia, lai r r suat va tinh hinh bien dong tren thi trudng va ngoai nude r x x r Thiet lap phan mem de quan ly khach hang, thong ke luu tru thong • X tin tu danh gia bo sung cho viec phan tich danh gia khach hang tu cac lan vay sau 3.3 Mot so kien nghi vdi cac co1 quan lien quan r 3.3.1 Kien nghi veri Chinh phu va cac eff quan nha nuoc r > x r Can co cac van ban lien nganh nham phoi hop ket hop chat che hoat X dong cua Ngan hang voi hoat dong cua cac bo, nganh lien quan nham bao ve X quyen lpi hpp phap cua Cong ty tai chinh Vi du giua Cdng ty tai chinh vdi Bo Tu phap, Bo Thuong mai, Bo Tai Chinh, Tong Cue thue X chinh cua cac nganh, rut he thong cac ti le trung binh hang nam de lam can cu phan tich kinh te, so sanh danh gia cac doanh nghiep dang d tinh r r trang nao tot, trung binh hay yeu kem Viec ban hanh, hoan thien va dong bo hoa cac bo luat, van ban phap luat phai tao su binh dang giua cac loai hinh doanh nghiep tat ca cac 97 x r x a phan kinh te, dan xoa bo nhung uu dai doi vdi cac doanh nghiep nha nudc de tao moi trudng canh tranh lanh manh nen kinh te X Chinh phu va Nha nudc can tao hanh lang phap ly de cac cong ty tai chinh co quyen tu chu dung to chuc ban tai san, cam co, the chap de thu hoi von doi vdi cac khoan no qua han, dac biet can co chinh sach uu tien doi vdi nhung khoan no kho thu hoi phat sinh nhu mien thue doanh thu, thue chuyen quyen su dung dat Nha nudc can co chinh sach tang von dieu le cua cac cdng ty tai chinh quoc doanh nham tang tiem luc tai chinh, tang cudng kha nang canh tranh va sue de khang cua cac cdng ty tai chinh trudc nhung bien dong cua thi trudng Nha nudc can cd nhung chinh sach cho vay hop ly doi vdi nhung doanh nghiep Nha nudc chuyen sang cd phan hoa r r r x Kien quyet sap xep lai cac doanh nghiep Nha nudc, chi de ton tai nhung doanh nghiep cdng ich, doanh nghiep lam an cd hieu qua, nhung doanh \ r \ •> nghiep thuc su can thiet cho phat trien dan sinh, tao dieu kien cho nang cao hieu qua tin dung Trong viec nhanh chong to chuc sap xep lai cac doanh nghiep can tap trung vao viec day nhanh tien trinh cd phan hoa cac doanh X X nghiep nha nudc Day la mot bien phap nham huy dong cac nguon lure tir cac phan kinh te khac tham gia vao phat trien kinh te Thuc hien cd phan hoa se tao co hoi cho cac doanh nghiep tang von tu co, trang trai no nan, tao r sue canh tranh mdi dudi mot hinh thuc quan ly mdi Neu chung ta khong khan truong thuc hien cd phan hoa thi cac doanh nghiep se mat di co hoi tiep can vdi cac khoan tin dung ldn, cung nhu co hoi phat trien ma thi trudng chung khoan nudc ta mdi doi Vi vay cd phan hoa la mot nhung bien phap quan nham giai quyet nhung mau thuan hien nen kinh f r te, la cac cdng ty tai chinh thi thua von tin dung tarn thdi nhung khong cho 98 vay dirge, cac doanh nghiep lai thieu von cho hoat dong san xuat kinh doanh cua minh nhung lai bi troi buoc ve co che tin dung hien hanh Thuc hien che kiem toan chat che: Be giup cac cong ty tai chinh xet r a duyet ho so xin vay von cua cac khach hang duoc chinh xac, bao cao tai chinh cua khach hang phai phan anh dung tinh hinh thuc te, dong thbi viec thu thap r thong tin cua ngan hang cung phai duoc tien hanh thuan loi va chinh xac Muon vay Nha nude nen sdm ban hanh quy che tai chinh va hach toan kinh doanh doi vdi nhung khu vuc kinh te ngoai quoc doanh Qua tang cubng tinh hieu luc phap ly, dam bao tinh dong bo chuan muc cua cong tac hach r r \ toan ke toan, tao dieu kien thuan loi cho can bo ngan hang co nhung ket luan chinh xac ve tinh hinh tai chinh, tinh hinh san xuat kinh doanh cua khach hang Viec chan chinh cong tac kiem toan phai di ddi vdi nang cao hieu qua cua hoat dong kiem toan Hien d nude ta da cd he thong kiem toan nha A r A nude, nhieu cong ty kiem toan doc lap bao gom cac cong ty 100% vdn nude ngoai, cong ty lien doanh, cong ty kiem toan cua Nha nude va trach nhiem huu han, song hieu qua hoat dong cua cac cong ty chua cao, mot phan la quan niem cua cac doanh nghiep thudng rat ngai thuc hien kiem toan nhieu li khac nhau: co the sg kiem toan phat hien nhung sai sot ve ke toan hay kiem toan se phat hien nhung van de ma doanh nghiep giau kin Chi phi cao cho cong tac kiem toan cung la nguyen nhan khien doanh nghiep _ z r A ' r i khong muon thuc hien Tien tdi Nha nude can quy dinh che kiem toan bat i r buoc doi vdi mgi loai hinh doanh nghiep, qua de dam bao tin cay cho A cac bao cao tai chinh, gop phan nang cao hieu qua cong tac tham dinh cac du an dau tu a r Tich cue doi mdi va hoan thien chinh sach tai chinh tien te quoc gia, tao mdi trubng tai chinh lanh manh thong thoang, nham giai phong va phat A A r trien cac nguon luc tai chinh va tiem nang san xuat cua cac doanh nghiep, cac 99 ' a r r tang lap dan cu, thu hut cac nguon von ben ngoai khuyen khich nhan dan doanh nghiep tiet kiem dau tu kinh doanh Bao dam su phat trien an toan, lanh manh cua thi truong tai chinh tien te toan bo nen kinh te: r •? a i - Thuc thi chinh sach tien te dam bao on dinh kinh te vi md, kiem soat lam phat, thuc day san xuat tieu dung - Hinh moi trudng minh bach, lanh manh va binh dang cho hoat dong tien te ngan hang, ung dung phat trien cdng nghe thong tin - Hinh dong bo khuon kho phap ly, ap dung day du hon cac thiet y firry che va chuan muc quoc te ve an toan hoat dong kinh doanh tien te ngan hang Giai quyet ng ton dong di doi vdi tang cubng, nhung che dinh phap ly, r y A kinh te va hanh chinh ve nghTa vu tra ng cua ngudi di vay va bao ve quyen thu ng hgp phap cua ngudi cho vay Tang cudng nang luc tu kiem tra cua cac Cdng ty Tai chinh va cdng tac tra, giam sat cua cac co quan chuc nang khong de xay vd tin dung - Xay dung co che, chinh sach phu hgp nhat quan vua dam bao su quan ly cua Nha nude, vua dam bao tinh thong thoang, giup Cdng ty Tai chinh phat r a r huy kha nang sang tao cua minh la mot yeu cau kha cap thiet Ar a - Cho phep Cdng ty Tai chinh Dau huy dong nguon von tarn thdi nhan roi xa hoi 3.3.2 Kien nghi vffi Ngan hang Nha nude Viet Nam A A Tang cudng hieu luc dieu hanh chinh sach tien te, chuc nang giam sat •> z kiem tra dam bao an toan he thong tai chinh ngan hang 100 Ngan hang nha nude nen hinh co quan phan tich danh gia ve tai chinh va du bao xu hudng phat trien cua ngan hang thuong mai tren co so kip thoi dieu chinh cac quy dinh va bien phap giam sat timg loai tai san ngoai nhung bien phap thong thuong hien de khai thac hien tuong kinh te binh thuong de co von luan chuyen Trong dieu kien kinh te hien Trung tarn thong tin Ngan hang cua nudc ta chua kip thoi day du, de nghi Ngan hang Nha nudc chan chinh hoat dong cua trung tarn thong tin tin dung tu khau cap nhat so lieu, cung cap so lieu dam bao thong tin chinh xac kip thoi Cho phep PVFC md rongpham vi khach hang Thuc te hien co rat nhieu Cdng ty Tai chinh true thuoc Tap doan kinh doanh hoat dong hieu qua ca viec cung cap day du cac dich vu tai chinh noi bo tap doan lan viec cung cap dich vu tai chinh cho cac khach hang \ r r khac Vi vay thoi gian toi Tong Cdng ty can co co che, quy che vira cu the lai vua thong thoang de PVFC chu dong hon qua trinh hoat dong X Ngoai ra, de dam bao nguon ngoai te on dinh cho hoat dong kinh doanh Tong Cdng ty can cho phep PVFC thau chi tai tai khoan trung tarn Tong Cdng ty nen cho PVFC tu tim kiem cac doi tuong khach hang ngoai nganh ben canh viec PVFC van dam bao cung cap day du cac dich vu Tai chinh cho cac du an cua cac khach hang truyen thong (cac don vi Tong Cdng ty Dau khi, cac don vi lien doanh nganh, cac don vi cung nganh kinh te ky thuat, cac nha thau dau khi, cac khach hang mua san pham dau khi, cac khach hang mua san pham dau va su dung cac dich vu cua cac don vi nganh 101 Ho tra Cong ty cong tac dao tao can bo Doi ngu can bo CNVN tre, nhiet tinh, co trinh nhung thieu kinh nghiem su hieu biet noi chung ve nghe nghiep thuc te va dac thu cua nganh A A •> ~ r Dau vi vay de nghi Tong Cong ty ho tro mot each toi da cong tac dao tao bang viec phe chuan va tao dieu kien cho Cong ty thuc hien cac khoa hoc va ngoai nude theo mot chuong trinh co muc tieu de hinh doi ngu chuyen gia dap ung yeu cau cang cao 102 PHAN KET LUAN Tom lai, de nang cao hieu qua, kha nang canh tranh cua hoat dong tin dung dieu kien hoi nhap kinh te quoc te la mot van de khong don gian, khong chi doi voi ban than cac cong ty tai chinh ma lien quan tdi he \ r thong phap luat dieu chinh hoat dong cua ngan hang Nha nude, cac to chuc tin dung, thuc hien giam sat an toan hoat dong ngan hang, theo hudng minh bach, hien dai va phu hop vdi thong le quoc te Tdi chi xin neu mot so giai phap ve hoat dong tin dung de cac cdng ty tai chinh cd the khai thac tot nhat lpi the so sanh cua minh trudc cac doi thu ngan hang nude ngoai chung ta thuc hien cac cam ket md cua thi trudng tai chinh ngan hang 9 _ X X Hoat dong tin dung tai Tong Cdng ty Tai chinh cd phan Dau thdi gian vua qua da dat duoc mot sd tuu nhat dinh: chat lupng tin dung dupe cai thien va nang cao, dap ung day du cac nhu cau ve von cho cac don vi r r r nganh, giup Tong Cdng ty tu chu tao von va phan phoi von cd r r r hieu qua phuc vu san xuat kinh doanh Ngoai viec thiet lap quan he tot vdi cac to chuc tin dung va ngoai nude da gop phan tao dung vi the cua X X Cdng ty tren thi trudng tai chinh tien te, la mot nhung dieu kien kien r quyet giup Cdng ty thuc hien cdng nhiem vu chinh tri dupe giao Ben canh do, hoat dong tin dung cua Tong Cdng ty Tai chinh cd phan x fw x r x r Dau van ton dong nhung kho khan han che can giai quyet Vi vay thdi gian tdi, Cdng ty can tien hanh xem xet va co nhung bien phap khac phuc de khong ngung nang cao chat lupng cua hoat dong tin dung xung dang la to chuc tin dung dau moi true thuoc Tong Cdng ty hang dau dat nude 103 TAI LIEU THAM KHAO PGS.TS Tran Huy Hoang, Quan tri ngan hang thuong mai, NXB Lao dong xa hoi, Ha Noi, 2002 Micheal E.Porter, Chien luoc canh tranh, NXB Khoa hoc va Ky thuat, Ha Noi, 1996 Van kien Dai hoi Dang lan thu X (2006) Tong cue thong ke (2008), Nien giam thong ke 2007 Tap chi Ngan hang cac so nam 2008, 2009, 2010 Cong nghe Ngan hang cac so nam 2008, 2009, 2010 TS To Kim Ngoc, Giao trinh Tien te - Ngan hang, NXB Thong ke, Ha Noi, 2006 TS To Ngoc Hung, Giao trinh Nghiep vu kinh doanh ngan hang, NXB Thong ke, Ha Noi, 2008 Bao cao thuong nien nam 2008, 2009 va 2010 cua Tong Cong ty tai chinh co phan dau Viet Nam 10 http://dddn.com.vn 11 http://vietbao.vn 12 http://www.doanhnhan360.com 13 http://www.weforum.org 14 http://www.saga.vn