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THESTATEBANKOFVIETNAMM I N I S T R Y OFEDUCATION&TRAINING BANKINGUNIVERSITYOFHOCHIMINH CITY THAIANHTUAN 050606180346 GRADUATION THESISMAJOR FINACE BANKINGCODE 7340201 SOLUTIONS FOR EXPANDING CONSUMER[.]
THESTATEBANKOFVIETNAMM I N I S T R Y OFEDUCATION&TRAINING BANKINGUNIVERSITYOFHOCHIMINH CITY - THAIANHTUAN-050606180346 GRADUATION THESISMAJOR:FINACEBANKINGCODE:7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT ATSAIGONJOINTSTOCKCOMMERCIALBANK– DONGNAIBRANCH ACADEMIC ADVISORDUONGTHITHUY AN,PHD Ho Chi MinhCity,June2 2 THES T A T E B A N K O F V I E T N A M MINISTRYOFEDUCATION&TRAINING BANKINGUNIVERSITYOFHOCHIMINH CITY - THAIANHTUAN-050606180346 GRADUATION THESISMAJOR:FINACEBANKINGCODE:7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT ATSAIGONJOINTSTOCKCOMMERCIALBANK– DONGNAIBRANCH ACADEMIC ADVISORDUONGTHITHUY AN,PHD Ho Chi MinhCity,June2 2 DECLARATION I honestly declare that this graduation thesis entitled “Solutions for expandingconsumer credit at Sai Gon Joint Stock Commercial Bank – Dong Nai branch” is thefinal result of my original research work under the guidance of PhD Duong Thi ThuyAn,myacademicadvisor The data in this thesis are used from legitimate and reliable sources from SaigonJointS t o c k C o m m e r c i a l B a n k D o n g N a i b r a n c h A l l c i t a t i o n s i n t h i s t h e s i s a r e indicated in the reference and in thebodyofthereport.Iwilltakefullresponsibilityfortheauthenticityofthethesis Ho ChiMinhCity,June 2022 ThaiAnhTuan ACKNOWLEDGEMENT Reality shows that in order to be successful at work, it is necessary to have thesupport and help of those around whether it is a little or a lot During the time since thegraduation thesis proposal started, I have received the attention, guidance and help ofteachers,familyandfriendsaround With extremely deep gratitude, I would like to express my sincere gratitude to theteachersofBankingUniversityforusingknowledgeandenthusiasmtobeabletoconvey to me the most valuable knowledge Besides, I would like to thank the staff atSaigonJoint Stock Commercial Bank - Dong Nai Branch for supporting me withknowledgesanddata.Therefore, Icancompletethisgratuation thesis In particular, Iwouldlike to thankMs Duong ThiT h u y An for her d e d i c a t i o n and guidance through each talk and discussion on the research topic Those instructionsand teachings helped my thesis outline has been remarkably completed Once again, Iwouldliketosendmysincerethankstomyteacher Thisthesiswasconductedin10weeksandmyknowledgewasl i m i t e d Therefore,I couldn'tavoidmymistakes.Thereby,Ilookforwardtoreceivingcomments from teachers in the school to help my graduation thesis become more andmoreperfect Thank you! LISTOFABBREVIATIONSS ABBREVIATIONS DEFINITION GDP GrossDomesticProduct NPL Non-Performingloan SCB SaiGonJointStockCommercialBank VND VietnamDong SBV StateBankOfVietnam etc Et Cetera ABSTRACT The commercial banking system is an important factor and take on many roles,affecting greatly the financial system and the economy of a country A country with anefficient banking system will contribute significantly to the prosperity of the country.Currently, with the fierce competition among banks and the increasing demand fromcustomers, banks are expanding their operation scale as well as increasing products andservicesforindividualsandbusinesses.Inwhich,creditactivitiesarestilltheleadingportfolio and accountfor a large proportionofthea n n u a l revenue for c o m m e r c i a l banks in Vietnam Therefore, improving bothquantity and quality ofc r e d i t i s a l w a y s animportantandnecessarythingincreditmanagement In recent years, with the fast increase in prices of real estate products Manypeopleseethisasanopportunitytochangetheirlivesthroughthisrealestateinvestment channel The predictable result is that the need to borrow money to buy realestatewhichtends toincreasemassivelyandlosecontrol.Thisthingwillcausemanyconsequences for the economy With moves that tighten real estate loanso f S B V , banks will turn to expand in more consumer loans That is the reason that I choose thetopic"SolutionsforexpandingconsumercreditatSaiGonJointStockComercialbank - Dong Nai branch" to research the reality of consumer credit and solutions to improvebothintermsofqualityandquantityofconsumercredit The content of the thesis is limited to SCB Dong Nai's consumer credit researchfrom 2017 to 2021 and exclude other credit activities The data provided by SCB DongNaitotheauthortoservethewritingprocess.Withthemethodofresearchisinvestigation methods,analyticalmethods,synthesis,statisticsandcomparison.Inaddition,thethesisalsousesthebank's data sheet to calculate and achieve the goal ofexpandingconsumercreditatSaigonJointStockCommercialBankDongN a i Branch.Theauthorhasreviewedandstudiedthecurrentsituationofconsumerl ending activities of Saigon Joint Stock Commercial Bank - Dong Nai Branch in the period of2017 – 2021 The author will make an assessment to look for the existing limitationsas well as potential development opportunities that havey e t used in to be the c r e d i t loanprocessofthebank.Finally,theauthorwillproposeanumberofideastooverco me and minimize existing limitations in the consumer lending process as well assolutionstoexpandconsumercredit LISTOFTABLE Name Page Figure3.1 OrganizationalstructureofSCBDongNai 24 Table3.1 CapitalmobilizationofSCB DongNaiintheperiodof2017– 26 2021 Table 3.2 Growth rate of capital mobilization of SCB Dong Nai 27 intheperiod of2017–2021 Table3.3.LoanbalanceofSCBDongNaiintheperiodof2017 29 –2021 Table3.4 Growthrate ofloanbalanceof SCB DongNai 29 Table 3.5 Growth of consumer loans balance of SCB Dong Nai 36 intheperiod of2017–2021 Chart 3.1 Growth in consumer loans balance of SCB Dong 36 Naiintheperiod of2017–2021 Table3.6 Averageconsumerloans 37 balanceofSCBDongNaiintheperiodof2017 – 2021 Table 3.7.Growth rate of average consumer loans balance 38 ofSCBDongNaiin theperiodof2017–2021 Chart3.2.Thefluctuationofaverageconsumerloansb a l a n c e 39 Table 3.8 Structure of consumer loans by term of SCB 40 DongNaiintheperiodof2017 -2021 Chart3.3 StructureofconsumerloansbytermofSCBDong 40 Naiintheperiod of2017-2021 Table3.9 Structure of consumerloansbypurposeof 42 SCBDongNaiintheperiodof2017-2021 43 Chart3.4 StructureofconsumerloansbypurposeofSCBDong Naiintheperiodof2017 –2021 Table3.10 Structureof consumerloansbalancebyguaranteesof 44 SCBDongNaiintheperiodof2017–2021 Table 3.11 Growth rate of structure of consumer loans balance 44 byguaranteesofSCB DongNaiintheperiodof2017–2021 Table3.12 Growthin consumerloanincomeof 45 SCBDongNaiintheperiod of2017–2021 Table3.13 OverduedebtratioforconsumerloansatSCBDong 47 Naiintheperiodof2017 –2021 Table3.14.BaddebtforconsumerloansatSCBDongNaiintheperiodof2 017 –2021 48