Phát triển dịch vụ ngân hàng bán lẻ tại ngân hàng vietinbank chi nhánh hoàn kiếm

BO GIAO DUC VA DAO TAO • • • TRUONG DAI HOC KINH TE QUOC DAN truOng bhktqd TT THONG TIN THU VIEN VU THI PHUONG THAO r _ _ z A a •? r PHAT TRIEN DICH VU NGAN HANG BAN LE • • TAI NGAN HANG VIETINBANK - CHI NHANH HOAN KIEM CHUYEN NGANH: KINH TE CHINH TRI LUAN VAN THAC SI KINH TE CHINH TRI • • • MA NGANH: 8310102 Ngu'd'i hwong dan khoa hoc: r—TTTPG^W^I PHUONG LIfiN TT THONG TIN THUVIEN PHONG LUAN AN - TULIEU HANOI, NAM201S 5'8'5' LO'I CAM DOAN Toi xin cam doan bai luan van tot nghiep la tn ban than thuc hien, co su ho tro tu Giang vien huong dan PGS TS Dao Thi Phuong Lien va khong chep cac eong trinh nghien cuu cua nguoi khac Cac noi dung nghien cuu va so lieu A • A V A 15 r yr ' 11 ~ ~ A bai luan van la co nguon goc trich dan ro rang Toi xin hoan toan chiu trach nhiem ve loi cam doan Hoc vien Vu Thi Phuong Thao LOT CAM ON Tren thuc te khong co su cong nao ma khong gan lien vdi su ho tro du r > r r r it hay nhieu, du true tiep hay gian tiep Trong suot qua trinh tu bat dau hoc tap d giang dudng toi nay, em da nhan duqc rat nhieu su quan ttam cua quy Thay Cd va ban be r r r r \ Vdi long biet on sau sac nhat, em xin gui ldi cam on chan den cac Thay Co d khoa Kinh te Chinh tri da cung vdi tri thuc va tarn huyet cua minh truyen dat von kien thuc quy bau cho em suot qua trinh hoc tap tai trudng Dac biet, em xin chan cam on PGS TS Dao Thi Phuong Lien da tan tarn hudng dan em qua tirng buoi thao luan ve linh vuc nghien cuu de em hoan bai luan van cua minh Luan van duqc thuc hien khoang thdi gian 06 thang Bude dau di vao thuc te, tim hieu linh vuc sang tao nghien cuu khoa hoc, kien thuc cua em han che Do vay, khong tranh khoi nhung thieu sot, em rat mong nhan duqc y kien dong gop quy bau cua quy Thay Cd de phan kien thuc cua em linh vuc duqc hoan thien hon Hoc vien Vu Thi Phuong Thao YEU CAU CUA HQI DONG DANH GIA LUAN VAN THAC Si Ve: Nhirng diem can sua chua bo sung truoc nop luan van chinh thuc cho Vien Dao tao Sau dai hoc Chu tjch Hoi dong Cam ket cua Hoc vien7 sqm &£ thuc trang cac yeu to anh huong den phat trien dich vu ngan hang ban le cua r VietinBank - Chi nhanh Hoan kiem hien Mot so gop y voi tac gia ve noi dung chu y khac phuc trung lap chuong ve hinh thuc chinh sua lai cac muc va tieu muc cua chuong Sap xep lai Tai lieu tham khao theo quy dinh Nhan xet chung: Luan van cua tac gia da thuc hien su nghien cuu doc lap, cong phu va nghiem tuc, voi nhung thong tin tu lieu thuc tien phong phu, cap nhat va co tin cay cao Cong trinh la tai lieu tham khao bo ich cho cac nha nghien cuu, giang day va lam cong tac quan ly hoat dong dich vu ban le cua ngan hang thuong mai hien So voi yeu cau cua luan van thac sy kinh te, cong trinh da hoan tot nhiem vu Tac gia luan an xung dang nhan hoc vi thac sy kinh te, chuyen nganh kinh te chinh tri Kinh de nghi Hoi dong cho phep tac gia duoc bao ve Ha Noi, 16 thang 12 nam 2018 Nguoi nhan xet GS.TS Mai Ngoc Cuong Cau hoi: Trong cac dich vu ngan hang ban le cua VietinBank - Chi nhanh Hoan kiem hien nay, loai dich vu nao co tiem nang nhat nhung chua / r •> r duoc khai thac tot? Giai phap nao quan nhat de khai thac tot dich vu nay? BAN NHAN XET LUAN VAN THAC SY • • Ten de tai: 'Phat trien dich vu Ngan hang ban le tai Ngan hang Vietinbank - Chi nhanh Hoan Kiem” - Chuyen nganh: Kinh te chinh tri - Ten tac gia: Vu Thi Phuong Thao - Co so dao tao: Truong DH Kinh te quoc dan - Ngudi nhan xet:TS Nguyen Thi Thanh - Don vi cong tac: Ngan hang Thuong mai co phan Cong thuong Viet Nam - Trach nhiem HD: Phan bien Sau nghien cuu De tai: “Phat trien dich vu Ngan hang ban le tai Ngan hang r r r Vietinbank - Chi nhanh Hoan Kiem”, toi co mot so nhan xet chu yeu sau day Ve tinh cap thiet cua de tai -Da co nhieu hoi nghi chuyen de, hoi thao khoa hoc, luan an, luan van, bai viet ban ve van de phat trien dich vu ngan hang ban le tren nhieu goc khac nhau, nhung boi canh hoi nhap kinh te quoc te cang sau rong hien thi giai phap r r phat trien dich vu ngan hang ban le hien dai he thong cac NHTM dang la van r y r de mang tinh thdi su va cap thiet -He thong NHTM Viet Nam tiep tuc thuc hien qua trinh tai co cau, chuyen doi mo thi chat lugng nguon nhan luc se tao su khac biet ve chat lugng san pham dich vu giua cac ngan hang Giai phap ve nhan luc dugc dua bao gom cac y sau: - Nang cao chat lugng cong tac dao tao: De dam bao chat lugng nguon nhan luc, cong tac dao tao va dao tao lai giu vai tro rat quan Hoat dong dao tao phai nham muc dich nang cao trinh chuyen mon nghiep vu va trang bi nhung kien thuc cung nhu ky nang bo trg, hudng tdi viec xay dung phong each lam viec chuyen nghiep, hien dai De lam dugc dieu do, Chi nhanh can thay doi nhan thuc, quan diem ban hang cua nhan vien tu muc tieu “hoan 84 ke hoach kinh doanh va dat loi nhuan cao” sang muc tieu “thda man toi da nhu cau khach hang de tu hoan ke hoach kinh doanh, tang truong loi nhuan” Ben canh chuyen mon nghiep vu cao, nhan vien Chi nhanh can duoc dao tao cac khoa ky nang mem co ban ve ky nang quan ly va trien khai ban tat ca cac san pham ban le tai don vi kinh doanh ban le, ky nang giao tiep phuc vu khach hang, ky nang dam phan, van hoa doanh nghiep chuyen nghiep Hoat dong danh gia ket qua dao tao can duoc tien hanh dinh ky mot cach khoa hoc va nghiem tuc, danh gia dung muc tien bo cua nhan vien sau cac khoa dao tao dua tren chat luong va hieu qua cong viec, tu dua cac chinh sach dao tao phu hop hon - Xay dung chinh sach dai ngo hop ly: He thong co che chinh sach can dam bao phu hop voi dieu kien hoat dong, yeu cau hoi nhap va su canh tranh cua thi truong Chi nhanh can xay dung va thuc hien quy che chi tra thu nhap, dap wnsgd duoc yeu cau thu hut va tri doi ngu can bo giOi, kich thich dong vien can bo lam viec phu hop voi yeu cau cua luat phap va kha nang tai chinh cua Chi nhanh Ben canh do, chinh sach dai ngo nhan vien hop ly ve che luong, thuong phu hop voi tung vi tri cong tac, tren co so danh gia nang luc toan dien, danh gia ket qua thuc hien cong viec duoc giao, la tien de tao nen su dong vien, khuyen khich nhan su lam viec tam huyet, nhiet tinh hon, gan bo lau dai hon voi Chi nhanh Chi nhanh can tang cuong cac chinh sach quan tam den nhan vien nhu bao hiem, nghi mat, tro cap, tang thuong nhan dip le tet, cac chinh sach phuc loi doi voi nhan vien can sat va thuc te hon, linh dong hon, tranh ruom ra, Ing vng qua nhieu phng ban, va can dap ung mong moi, nguyen vong cua nhan vien 3.3.2.2 Lam tot cong tac quan tri rui ro ngan hang De nang cao chat luong cong tac quan ly rui ro, gop phan nang cao chat luong san pham dich vu NHBL, tao dung long tin va uy tin cua Vietin Bank - Chi nhanh Hoan Kiem tren thuong truong, cac giai phap duoc trinh bay nhu sau: - Ap dung cac thong le tot nhat ve quan tri dieu hanh kinh doanh co hieu qua the cho nhung thong le va thuc hanh kem hieu qua nhu hien nay, dong thoi dua cac thong diep chung cho toan Chi nhanh cam ket khong ngung cai thien chat 85 lugng dich vu ngan hang Theo do, Chi nhanh can tiep tuc thuc hien tot viec quan ly chat lugng va thuc hien chuong trinh quan ly chat lugng toan dien, dac biet la cac hoat dong tin dung, toan, dau tu, giao dich marketing, ngan quy, ngoai te, - Ra soat lai va ban hanh dong bo va day du cac chinh sach, quy trinh ban san pham dich vu Van dung day du cac nguyen tac va thuc hanh dich vu toan va dich vu tai trg thuong mai cua Phdng thuong mai Cong nghiep Quoc te Chuan hoa cac quy trinh va thu tuc toan, chuyen tien, bao gom ca chung tir toan, luan chuyen chung tir, ghi chep ke toan, tra soat, - Tiep tuc hoan thien mo hinh to chuc phu hgp vdi thdng le va chuan muc quoc te, theo hudng tap trung bo phan quan ly rui ro tai tru sd chinh va cac VPGD, nham tang cuong hoat dong quan ly rui ro va giam sat Cac VPGD la dau mdi tiep xuc, cham soc khach hang va ban san pham dich vu Cac phdng chuc nang dugc chia theo nhom san pham dich vu va doi tugng khach hang thdng nhat tir tru sd chinh den cac VPGD Hinh cac khdi chuyen mon nghiep vu: Khdi Quan ly rui ro, Khdi Ngan hang Dau tu, Khdi Ban buon, Khdi ban le, de tiep tuc hoan thien md hinh quan ly rui ro can lam tot cac noi dung sau: ’ 7 ■ Doi mdi toan dien md hinh td chuc bo may quan ly rui ro va kiem soat hoat dong kinh doanh tir tru sd chinh tdi cac VPGD theo hudng tach bach gitra khau tham dinh tin dung, vdi khau phe duyet va quyet dinh tin dung; tap trung bo phan quan ly rui ro va kiem soat tai tru sd chinh, bo phan ban hang va cham soc khach hang dugc phat trien tai cac VPGD: • Xay dung he thdng khung quan ly rui ro ap dung toan he thdng, d tat ca cac mang nghiep vu theo cac nguyen tac ve quan ly rui ro cua Hiep udc Quoc te ' ’ r r ve Tieu chuan An toan vdn - Hiep udc vdn Basel II • Xay dung mdi trudng kiem soat va giam sat, dong thdi nang cao vai tro va trach nhiem quan ly rui ro cua HDQT, BDH, BGD Chi nhanh • Hoan chinh cam nang quan ly rui ro nham hudng dan chu trinh quan ly rui ro, bao gom xac dinh rui ro, dinh lugng rui ro va kierp soat rui ro, cho tat ca cac can bo quan ly rui ro va kinh doanh rui ro d cac cap 86 • Xay dung bo may to chuc quan ly rui ro dua tren cac nguyen tac co ban cua z a r a z thong le, chuan muc quoc te va phu hop vdi dac thu cua dia ban quan Hoan Kiem a > • Xac dinh cac chi tieu lam cong cu de phuc vu cong tac quan ly, chi dao dieu hanh va kiem soat rui ro hoat dong cua toan Chi nhanh va tai tung VPGD ■ Ra soat va sap xep lai he thong cac diem giao dich theo mo hinh mau thdng nhat toan he thdng, phat trien them he thdng cac diem giao dich, may ATM, kios banking tai cac khu thi, cac khu dan cu, cac TTTM phu hop vdi nang luc quan ly cua Chi nhanh He thdng diem giao dich, may ATM, kios banking, la mo hinh NHBL bien tai cac nudc phat trien, la noi true tiep trien khai cac san pham dich vu NHBL hieu qua nhat 3.3.2.3 Tang cuang ung dung cong nghe thdng tin quan tri ngan hang va phat trien cac dich vu NHBL de tang tinh tien ich va dap img nhanh nhat nhu cau cua khach hang He thdng CNTT hien dai la canh tay dac luc ho tro cho cac NHTM viec nang cao chat luong dich vu, tu nang cao nang luc canh tranh hoat dong kinh doanh ngan hang Ben canh do, ky thuat cong nghe ngan hang hien dai tao dieu kien cho ngan hang thuc hien viec phat trien manh me cac dich vu ngan hang dien tu, la xu the phat trien tat yeu cua dich vu NHBL He thdng CNTT cua Vietin Bank hien mot so van de doi hoi phai khan truong nghien cuu de khac phuc nhu sau: - So luong cac giao dich duoc tu dong hoa thap, nhieu dich vu lam thu cong gay cham tre giao dich va quan ly dieu hanh Cong tac van phong hau nhu chua duoc tu dong hoa - He thdng giao dich tai Chi nhanh van mang tinh rieng le, khong thich hop vdi he thdng toan dien tu va TTQT de co the xu ly toan true tiep nham giam thieu tdi da thoi gian xu ly mot dich vu chuyen tien He thdng CNTT tai Chi nhanh Hoan Kiem duoc dau tu nhieu nam nen thieu tinh dong bo, so vdi cac nudc phat trien khac rd rang la lac hau va han che ve tinh da dang, vay Chi nhanh can hoan thien va doi mdi cong nghe ngan hang de ky thuat cong nghe cua Vietin Bank can co nhung budc di thich hop nhu sau: 87 - Hoan thien, nang cap phan mem toan dien tu, phan mem tin hoc moi va thue bao dudng truyen dan rieng biet cho he thong toan dien tu nham nang cao chat luong cong tac toan noi bo Chi nhanh - Phat trien, nang cap mang dien rong, dong bo hoa he thong toan, he thong giao dich cue bo, rieng le d cac chi nhanh tuong thich vdi va tich hop he thong toan va giao dich true tiep toan he thdng ngan hang vdi Chi nhanh - Dau tu, nang cap nen tang may chu chay cac ung dung tai tru sd chinh cung nhu tai cac VPGD cua Chi nhanh vdi kien true md, cho phep giao dich vdi cac he thdng ben ngoai va tich hop hoan toan vdi cac he thong ung dung noi bo khac Xay dung he thdng may chu trung tam, he thdng dia luu tru va thiet bi du phong mang tinh san sang cao - Tang dung luong dudng truyen sd lieu, cac thiet bi bao mat, che bao mat thdng tin va bao dam an toan cac giao dich qua Internet hoac cac giao dich qua he thdng dien tu Ben canh do, Chi nhanh can chu tang cuong va phat trien he thdng may POS, ATM vdi su phan bo hop ly va tang cuong tien ich cho khach hang su dung the, ung dung chu ky dien tu va cac nghiep vu su dung chu ky dien tu, hoan thien he thdng du lieu dap ung yeu cau quan ly, quan tri rui ro Ung dung CNTT trinh cao vao viec van hanh Chi nhanh doi hoi trinh nguon nhan luc de su dung CNTT Vi vay, Chi nhanh can tien hanh dao tao cho cac nhan vien tu cap lanh dao cao nhat den nhan vien tac nghiep ve CNTT ngan hang, dam bao nhan su d tat ca cac VPGD Chi nhanh dat du trinh ve nghiep vu ky thuat, du sue tiep can vdi cong nghe mdi, dap ung dupe cac nhu cau ve md rong mang ludi ban le, nhu cau ve phat trien dich vu NHBL 3.4 Kien nghi 3.4.1 Kien nghi doi vdi Chinh phu: - Nha nudc can sdm hoan thien khung phap ly cho hoat dong kinh doanh ngan hang noi chung va phat trien dich vu ngan hang noi rieng: ■ Nha nudc tao moi trudng phat ly va mdi trudng thuan loi tao dieu kien cho hoat dong cua cac doanh nghiep noi chung va NHTM noi rieng sdm cu the hoa luat canh tranh va luat chong doc quyen, cd bien phat quan ly hieu qua thi trudng chung 88 khoan, giam lam phat, sua doi va bo sung mot so quy dinh tai mot so luat Cu the, Luat cac TCTD can quyd dinh ve dich vu ngan hang tren the gidi nhu hoat dong tin dung cung la mot loai dich vu Nghi dinh 65/2005/ND-CP quy dinh ve hoat dong cho thue tai chinh, chi quy dinh mot so dich vu, nhieu dich vu khach (cho thue hop von, mua lai tai san cua khach hang sau cho thue lai, ) chua lam duoc thieu van ban quy dinh chi tiet ■ Trong cong cuoc hoi nhap kinh te quoc te, cac NHTM noi chung va Vietin Bank - Chi nhanh Hoan Kiem noi rieng buoc phai day manh hien dai hoa cong nghe ngan hang ma trudc het, khau toan dien tu Do do, Nha nude can sdm sua doi phap lenh Ke toan - Thdng ke, do, bo sung nhung quy dinh mdi ve lap chung tir ke toan, hach toan, ghi so phu hop vdi nhung dich vu tai chinh ngan hang x r thuc hien bang cong nghe quan ly, toan qua he thdng vi tinh - dien toan theo chuan muc quoc te, dac biet la cac chung tir cua ngan hang dien tu, chu ky dien tu ■ Cong nhan gia tri phap ly cua chu ky dien tir, gia tri chung cu cua van ban dien tu d cac hop dong kinh te, chao hang, chap nhan va xac nhan mua hang, - Nha nude can sdm hinh thi trudng vdn pham vi toan quoc, tao dieu kien tap trung moi nguon vdn vao co hoi dau co sinh ldi Day manh hon nua tien trinh cd phan hoa doanh nghiep nha nude, giai toa vdn dong bang tai cac doanh nghiep nha nude, tao budc di can thiet de thi trudng vdn sdm ddi va phat huy tac dung - Nha nude can co giai phap thuc day thi trudng BDS phat trien lanh manh, cai thien thu tuc xu ly phat mai TSBD qua trinh xu ly no cho ngan hang - Nha nude can dua cac chinh sach khuyen khich ngudi dan han che den muc tdi da viec giao dich tien mat de day manh toan dien tu, phat trien buu chinh vien thdng va Internet, tao dieu kien cho NHTM thuc hien da dang hoa nghiep vu Su phat trien cua Buu chinh vien thdng va Internet la tien de, la co sd de NHTM hien dai hoa cong nghe va phat trien cac dich vu ngan hang hien dai Nhung hien nay, cac NHTM dang phai thue bao duong truyen dan vdi muc phi cao, lai chua that nhanh chua chuan xac va chua an toan, ngan hang da danh nguon vdn ldn cho dau tu ddi mdi CNTT va phat trien dich vu mdi 89 3.4.2 Kien nghi vai Ngan hang Viettinbank Ngan hang Viettinbank nen co nhtrng bien phap nham thuc hien da dang hoa san pham, tap trung nhieu vao viec phat trien cac dich vu co dich vu ngan hang ban le Boi su phat trien cua thi truong chung khoan dang lam giam di vai tro trung gian don thuan ve tin dung cua cac ngan hang Boi le, thay vi huy dong vdn thong qua cac ngan hang, cac doanh nghiep co the huy dong von thong qua thi truong chung khoan Tu do, cac ngan hang thuong mai buoc phai thay doi phuong thuc hoat dong thuc hien, da dang hoa san pham, tap trung nhieu vao phat trien cac dich vu De thuc hien chien luoc cong, Ngan hang Viettinbank can chu y nghien cuu cac dich vu ngan hang the gioi da trien khai Ben canh do, Ngan hang Viettinbank can co nhung nghien cuu cu the ve nhu cau nuoc, tu co nhtrng sua doi hoac cai each phu hop 3.4.3 Kien nghi ddi vai Ngan hang Nhd nudc: - NHNN can bo sung, hoan thien cac chinh sach co che thuc day phat trien dich vu ngan hang Dac biet, tren co so cac bo luat cua Nha nudc ve ngan hang, can xay dung hoan chinh dong bo he thdng cac van ban hudng dan (dudi luat) ve hoat dong ngan hang de cac NHTM thuc hien dam bao khong trai luat, nhung phai tao dieu kien cho cac NHTM hoat dong dieu kien cu the cua nudc ta hu hop vdi xu the hoi nhap qudc te NHNN can hoan thien cac van ban phap quy ve dich vu the, vdi cac nguyen tac, chuan muc thdng nhat dich vu phat hanh va toan the, dac biet la ban hanh cac quy dinh dieu chinh cac hanh vi lien quan den tranh chap, rui ro, de lafmm co so xu ly xay - NHNN can nang cao hieu qua hoat dong cua thi trudng md, da dang cac cong cu, chung chi cd gia giao dich tai thi trudng md ■ Tinh nang dong, cung nhu tam ly, thdi gian cua cac NHTM chua theo kip xu hudng phat trien cua thi trudng md, dan den thi trudng kern soi dong ■ So luong cac loai giay to cd gia tham gia thi trudng md han che Hien nay, chu yeu mdi chi giao dich chung chi cd gia tren thi trudng md chu yeu la trai phieu Chinh phu nen chua la co so thuc day phat trien dich vu tin dung, chiet khau thuong phieu va dau tu cua cac NHTM Trong thdi gian tdi, NHNN can md rong 90 them cac cong cu, chung tu co gia tham gia thi truong ma nhu trai phieu cong ty, trai phien cong trinh, - NHNN can co dinh hudng phat trien CNTT cho nganh ngan hang, tren co sd do, cac NHTM xay dung he thdng CNTT, phat trien cac dich vu tien ich ■ NHNN can co chinh sach khuyen khich, ho tro cac NHTM tu dau tu, hop tac lien ket va vay von dau tu co sd tang, hien dai hoa cong nghe ngan hang, tich hop he thdng CNTT giua cac NHTM nham tang cudng kha nang lien ket cua cac NHTM nudc ■ NHNN can thuc hien sdm hon hien dai hoa cong nghe ngan hang, tap trung dau tu vao cong tac toan khong dung tien mat, nang cao chat lugng cac phuong tien va cong cu toan de moi khoan von chu chuyen nen kinh te nhanh chong hon, dong thdi han che tdi da lugng tien mat luu thdng - NHNN can to chuc va hoan thien thi trudng tien te md rong thi trudng phat trien dich vu cho cac NHTM, theo hudng: a r r \ ■ Thi trudng tien te la thi trudng von ngan han, la cong cu de NHNN dieu hoa kha nang toan giua cac NHTM ■ Thi trudng tien te dap ung nhu cau von cho cac NHTM dong thdi giup cac NHTM dau tu von ■ Thi trudng tien te bao gom: Thi trudng tin dung, Thi trudng noi te lien ngan hang, Thi trudng ngoai te lien ngan hang, Thi trudng tin phieu kho bac 91 KET LUAN Phat trien dich vu NHBL la sir gia tang ve so luong cac dich vu cung ung, mang ludi hoat dong va cac tien ich cua san pham, chat luong cua tung loai hinh r dich vu nham thoa man tdi uu nhu cau cac cac chu the xa hoi a ? a Trong nen kinh te thi trudng va hoi nhap kinh te quoc te dang dien cang sau rong tren moi linh vuc cua ddi song kinh te xa hoi, thi viec phat trien dich vu NHBL co y nghia vo cung quan trong, gop phan thuc day tang trudng kinh te, gia tang qua trinh luan chuyen vdn, day nhanh qua trinh cong nghiep qua, hien dai hoa dat nude, chuyen dich co cau kinh te theo hudng hien dai Phat trien dich vu NHBL lam da dang hoa cac loai hinh dich vu, dap ung nhu cau cang cao cua cac chu the xa hoi, thuc day nen kinh te tang trudng ben vung Mat khac, cac dich vu NHBL phat trien tot se keo keo cac loai hinh dich vu khac phat trien theo, tao nen he thdng cac san pham dich vu da dang ho tro tich cue hco nhau, tao nen sue manh tong hop phuc vu cho su nghiep phat trien kinh te dat nude, giai quyet viec lam nang cao ddi song cua ngudi dan 7 A A Phat trien dich vu NHBLthuc day qua trinh luan chuyen vdn, gop phan thuc day tang trudng, phat trien cua nen kinh te va dam bao chu dong hoi nhap kinh te r ■> r r quoc te Dung tren goc kinh te xa hoi, viec phat trien dich vu NHBL cd tac dung day nhanh qua trinh luan chuyen tien te, tan dung tiem nang to ldn ve vdn de phat trien kinh te Phat trien dich vu NHBL gop phan thuc day chuyen dich co cau kinh te nganh, e r r \ r r co cau kinh te vung va cac phan kinh te theo hudng tien bo va hien dai Phat trien dich vu NHBL se gop phan tich cue viec khoi thdng nguon vdn xa hoi phuc vu nhu cau phat trien kinh te, tao viec lam va nang cao ddi song ngudi dan Ben canh do, phat trien dich vu NHBL gop phan quan trong viec thuc day chuyen dich co cau kinh te theo hudng hien dai, hinh cac nganh kinh te mdi cd gia tri gia tang cao, cac khu vuc, vung kinh te phat trien nang dong hieu qua, ben vung Phat trien dich vu NHBL gop phan thuc day cac SME phat trien, tao nen tinh nang dong va canh tranh nen kinh te Cac dich vu NHBL phat trien tao dieu 92 kien tot de cac SME, cac ho kinh doanh ca the co dieu kien tiep can voi ngudn vdn tin dung va cac dich vu NHBL tien tien khac, dau tu phat trien san xuat kinh doanh, tiep can vdi khoa hoc cong nghe hien dai, thuc hien cong nghiep hoa, hien dai hoa, gop phan quan trong chuyen dich co cau nen kinh te theo hudng hien dai, nang cao ty nganh cong nghiep va dich vu, giam ty ngang nong nghiep nen kinh te Vietin Bank la mot la cd di dau ve dich vu NHBL tai Viet Nam, va Chi nhanh Hoan Kiem da va dang cung gop sue tao nen nhung cong xa hon, nham phat trien dich vu NHBL va tiep can dich vu tdi tung ca the cua xa hoi, bang viec chu dong va tich cue cung ung cac san pham dich vu ngan hang cho nen kinh te Nam bat thdi co ve phat trien cac san pham dich vu NHBL, Vietin Bank dang tung budc khang dinh vi tri, ten tuoi tren thi trudng nudc va qudc te Cac san pham dich vu ngan hang noi chung va cac san pham dich vu NHBL noi rieng da dap ung tot cho nhu cau ve cac san pham dich vu ngan hang Chi nhanh Hoan Kiem da va dang tan dung triet de the manh cua Vietin Bank va cac san pham dich vu NHBL mdi, hien dai, qua hinh cac goi san pham dich vu goi, da dang hoa cac kenh phan phoi, tich cue cai tien phong each phuc vu van minh hien dai mang dam ban sac van hoa Vietin Bank, nham dap ung tot nhu cau cang cao va kho cua khach hang Ben canh do, Vietin Bank noi chung va Chi nhanh Hoan Kiem noi rieng cung dang gap phai khong it nhung kho khan va thach thuc qua trinh canh tranh dang dien cang gay gat ca va nudc Nang luc canh tranh va kha nang tai chinh edn yeu so vdi cac NHTM khac khu vuc; he thdng CNTT lac hau so; so lugng can bo dong nhung hoat dong chua thuc su hieu qua, bo may hoat dong kha cong kenh; cac san pham dich vu NHBL han che, chat lugng chua cao, chua cd san pham nao dac trung rieng cua thuong hieu nen kho canh tranh vdi cac ngan hang nudc ngoai tai Viet Nam, dac biet la tai dia ban quan Hoan Kiem nhu ANZ, Standard Charter Bank hay HSBC ; thu nhap chu yeu hoat dong kinh doanh dich vu NHBL van la tir tin dung, la linh vuc chua nhieu rui ro Nguyen nhan cua nhung nhugc diem ton tai chinh la nhung thach thuc ldn cho Vietin Bank noi chung va Chi nhanh Hoan Kiem noi rieng: Trinh phat trien 93 cua nen kinh te nudc ta thap, thu nhap cua nguoi dan cdn each xa so vdi cac nudc phat trien khu vuc; He thdng luat phap hoat dong ngan hang chua thuc su dong bo; Mdi trudng kinh te vi md chua thuc su on dinh; Thi trudng BBS cdn nhieu bat cap; Thi trudng chung khoan phat trien thieu tinh ben vung TSt ca nhung dieu dat yeu cau doi mdi toan dien hoat dong ngan hang, phat trien manh me cac loai hinh dich vu nham muc tieu chiem linh thi phan, tai cdu true manh me va toan dien hoat dong kinh doanh Nhung giai phap duoc phan tich cung vdi nhung kien nghi len Chinh phu va NHNN Viet Nam duoc mong doi se la tien de giup sue cho he thdng NHTM tai Viet Nam phat trien manh me, ben vung hon vdi su canh tranh cong bang, gop phin tao nen nen kinh te thinh vuong 94 DANH MUC TAI LIEU THAM KHAO Binh An (2016), “Vietinbank: Phia sau gidi thuong ngan hang ban le tot nhat”, Ta bao Dau tu Chung khoan Chau Dinh Linh (2014), “6 xu hudng anh hudng den kenh phan phdi cua ngan hang ban le ”, Thoi bao CafeF, muc Tai chinh - Ngan hang David Cox (1997), Nghiep vu ngan hang hien dai, NXB Chinh tri quoc gia, Ha Noi Do Le (2017), “Basel II Khong de nhung quyet tam lam duoc”, Thdi bao Ngan hang, Ngan hang Nha nudc Viet Nam; Hoc vien Ngan hang (2003), Giao trinh Marketing Ngan hang, NXB Thdng ke Kieu Huu Thien (2013), “Thach thuc doi vdi suphat trien ben vung cua he thdng NHTM Viet Nam ”, Tai lieu Hoi thao Hoc vien Ngan hang; Ly Hoang Anh & Tran Mai Uoc (2015), Ve Hiep udc Basel va nhung goi md cho cac ngan hang Viet Nam trudc them AEC, Nghien cuu & Trao doi, Trudng Nguyen Dang Ddn (2010), Xay dung md hinh lien ket va hop tac chien luoc cua cac Ngan hang Thuong mai Viet Nam de nang cao nang luc canh tranh va phat Ngan hang Vietin Bank, Bang sd lieu chung ket qua hoat dong kinh doanh Chi nhanh Hoan Kiem (2015, 2016, 2017) 10 Ngan hang Thuong mai Co phan Cong thuong Viet Nam (2010), Chien luoc kinh doanh den nam 2020, Ha Noi 11 Nguyen Thanh Phong (2011), “Da dang hoa san pham kinh doanh cua NHTM Viet Nam dieu kien Hoi nhap kinh te quoc te ”, Luan van Thac si Kinh te, Trudng Dai hoc Kinh te Quoc dan, Ha Noi 12 Phan Thi Thu Ha (2014), Giao trinh ngan hang thuong mai, NXB Thdng ke 13 Pham Thi Nguyet (2007), “He thdng NHTMcd phan cuoc canh tranh mdi ve dich vu ”, Tap chi Ngan hang, sd 19 14 Peter S Rose (2001), Quan tri ngan hang thuong mai, NXB Tai Chinh 15 Quoc hoi nuoc Cong hoa Xa hoi Chu nghia Viet Nam (2017), Luat cac To chuc Tin dung, sd 47/2017/QH14 20 thang 11 95 16 Quoc hoi nude Cong hoa Xa hoi Chu nghia Viet Nam (2018), Luat Canh tranh, so 23/2018/QH14 12 thang 06 17 Quoc hoi nude Cong hoa Xa hoi Chu nghia Viet Nam (2012), Luat Lao dong, so 10/2012/QH13 18 thang 06 18 Tap chi Vietin Bank (2017), “Hoat dong ban le Vietin Bank: Chuyen ddi chien lucre - tim but pha ” 19 Thdi bao Lao Dong (2017), “VietinBank tiep tuc “dm” gidi thuong “Ngan hang ban le tot nhat Viet Nam ”, muc Kinh doanh 20 Vu Thi Ngoc Dung (2007), “Phat trien dich vu Ngan hang ban le - Mot xu huomgphat trien tatyeu cua cac ngan hang", Tap chi Ngan hang, so 21 Tran Hoang Ngan & Nguyen Thi Hong Nhung (2017), “Nang cao nang luc canh tranh cua Dich vu ngan hang ban le tai cac Ngan hang Thuomg mai Viet Nam r r r r bdi canh hoi nhap quoc te", Tap chi Ngan hang, so 22 Bank of America (2018), Annual Reports 2017 23 Common wealth Bank (2018), Annual Reports 2017 24 Anna Omarini (2011), “Retail banking: the challenge of getting customer intimate”, Banks and Bank System, Vol.6/No.3, tr.78-89 25 Asia Financial Institutions (2015), Retail banking in Asia: Actionable Insights for New Opportunities, McKinsey & Company, Australia 26 Lauren Pollak & Jump Associates (2012), “A Survival Guide for Retail Banking”, Forbes, i urnmn Document Viewer Turnitin Bao cao Doc sang Da xir ly vao: 05-thg 1-2019 18:11 +07 ID: 1061601118 Dem Chu": 43461 Da Nop: nop Bdi Thi PhifPng Thao Vu Tu'dng dong theo Nguon Chi so TiTdng dong 16% Internet Sources: An pham xuat ban: Bai cua Hoc Sinh: bao gom trich dan _ Jiao qomrnuc luc tham khao ]oai trir trung khcfo < 30 tir tai ve in che do: [ Bao cao quickview (each kinh dien) 15% 4% 9% v ▼ 1% match (Internet tir 11-thg 6-2018) http://doc.edu.vn 1% match (Internet tir 09-thg 8-2017) http://doc.edu.vn 1% match 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