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An analysis of consumer loans activity at sai gon thuong tin commercial joint stock bank – dong hoi branch in quang binh province

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  • CHAPTER 1. A THEORETICAL BASIS FOR CONSUMER LOANS (8)
    • 1.1. THEORETICAL BASIS FOR LOANS ACTIVITIES AT THE (8)
      • 1.1.1. Concept loans (8)
      • 1.1.2. Loans principle (8)
      • 1.1.3 Loans classification (9)
      • 1.1.4 The role of commercial bank (10)
    • 1.2 THEORETICAL BASIS OF THE CONSUMER LOANS ACTIVITIES OF (11)
      • 1.2.1 Consumer Loans Concept (11)
      • 1.2.2 Consumer loans characteristics (11)
      • 1.2.3 Consumer loans classification (13)
      • 1.2.4 Factors affecting Consumer loans activities of commercial banks (15)
    • 1.3 CONSUMER LOANS INDICATORS (20)
      • 1.3.1 Loans sales (20)
      • 1.3.2 Debt collection sales (20)
      • 1.3.3 Average loans debt (20)
      • 1.3.4 Overdue debt (20)
      • 1.3.5 Bad debt (21)
  • CHAPTER 2. CURRENT SITUATION OF CONSUMER LOANS AT (22)
    • 2.1 OVERVIEW SACOMBANK DONG HOI QUANG BINH (22)
      • 2.1.1 Introduction to the Sacombank (22)
      • 2.1.2 The process of formation and development (0)
      • 2.1.3 Organizational structure of the commercial bank and resources (24)
      • 2.2.1 Regulations on consumer loans in SACOMBANK – DONG HOI BRANCH29 (34)
      • 2.2.2 The consumer lending process at Sacombank Dong Hoi Quang Binh (41)
      • 2.2.3 Consumer lending situation at Sacombank (43)
    • 2.3. EVALUATION OF CONSUMER LOANS ACTIVITIES AT (62)
      • 2.3.1 Achieved results (62)
      • 2.3.2 Limitations (65)
      • 2.3.3 Reason (66)
  • CHAPTER 3. SOLUTION EXPAND CONSUMER LOANS ACTIVITIES (70)
    • 3.1 GENERAL ORIENTATION ON BUSINESS OPERATIONS AT (70)
    • 3.2 SOLUTIONS TO CONSUMER LOANS IN SACOMBANK QUANG BINH 66 (71)
      • 3.2.1 Main solution (71)
      • 3.2.2 Additional solutions (75)
    • 3.3. REQUEST (78)
      • 3.3.1 Petition for the local government (78)
      • 3.3.2. Petition for head office (78)
      • 3.3.3 Proposals for the government (79)

Nội dung

A THEORETICAL BASIS FOR CONSUMER LOANS

THEORETICAL BASIS FOR LOANS ACTIVITIES AT THE

Pursuant to circular 39 / 2016 / TT- NHNN dated December 30, 2016 : “ Loans is the form of granting credit, whereby credit institutions deliver or commit to customers a sum of money to use the purpose of determining in a given time as agreed upon with the principle of repaying both principals and interests

Loans capital must be used in accordance with the agreed purpose in the contract, a credit as provided by the outside party must be a legitimate credit to the purpose of clear and clear evidence, because it is not only a matter of law but it is also a matter of risk This principle ensures that the bank has the basis to assess the loans request, consider the feasibility and solvency of the customer

Loans must be repaid both principals and interests at the time of the credit contracts, the principles for ensuring the banks exist and the develop, the capital sources of the main bank are the source of the mobilization and punctuality of the credit For borrowers, they have to calculate and have responsibilities with loans

The guarantee of loans must comply with the government's regulations.Usually, the bank base is based on the credit level of borrowing customers and the nature of the loans for the borrowing customers to borrow capital or non - assets,which is the final repayment of the customers in case the bank does not collect debts, such a bank shall be subject to the active debt withdrawal

- Short - term loans: a loans of 12 months or less The short - term loans bank aims to finance the enterprise' s working capital needs, the government' s short - term expenditure needs and consumer demand

- Medium loans are loans for a year to five years This credit is often used to invest in innovation, upgrading technical infrastructure, technology or expansion

- Long - term loans Is a loans over five years These are used to invest in fixed capital of the enterprise, capital construction, real estate and Consumer loans in the housing and transport needs

- Production loans: it is the type of loans that customers use to produce products Loans for agricultural production include agricultural, industrial, forestry, and fishery loans

- For circulation credit: the type of loans used by the customer for the business of goods and services to provide loans for commercial traffic include commercial loans (purchase of goods sold in domestic goods, export-import business); providing business services

- Consumer loans: it is the type of loans that customers use to serve the needs of personal living

- Loans guarantee with property: this is the type of loans that customers have to have the mortgaged property, pledge, or guarantee of the third party as guaranteed

- Loans guarantee is not equal to assets: this type of credit is often granted to prestigious customers, often customers who are often profitable, strong financial situation, a strong situation, or relatively small loans from the borrower's capital

- Direct refunding of the loan: the type of lender in which the principal borrower is the person who pays directly to the bank

- Indirect refunding loan: it is the type of loan in which borrowers are not the debtors, this type of lending is usually made by discounting notes and valuable papers remaining valid or fulfilling the payment obligation

- Reimbursement of installment loans: the borrowed capital shall be paid in installments when the principal is fully paid and the interest under credit contracts is concluded

- Reimbursement for lump-sum loan: borrowed capital and interest paid once upon maturity

- Reimbursement for reimbursement at request: borrowed capital at the request of lender or borrower

- Loans under the course: the method for lending each customer and the bank must carry out the necessary credit procedures Lending is also called a loan for each time when there is a demand for customer capital as a dossier of application for a loan for a specific use purpose

- Lending due to credit limit: is the type of loan that the enterprise only needs to apply for first time, then on the basis of the contract, the enterprise shall make a loan plan and repay the debt to the bank To apply to enterprises with additional capital needs, regular and fast capital rotation The bank determines the credit limit, and opens it for an account for a loan to monitor borrowing and repayment

Other lending methods such as advance lending, overdraft, financial lending, sponsorship and other lending types

1.1.4 The role of commercial bank

• Having an important role in stimulating demand, contributing to promoting economic growth Consumer loans is seen as a lever to stimulate demand For a commodity production, the development of Consumer loans means an increase in demand or purchasing power of the population, creating more excitement in the commodity consumption market, thereby stimulating products development,creating favorable conditions for economic development

• Contribute to ensuring social security, Consumer loans increase aggregate demand of the economy, create more output markets for the manufacturing sector,thereby helping to create jobs and reduce unemployment for society, at the same time improving the living standards of the population Moreover, Consumer loans with relatively simple and fast procedures make an important contribution to repelling usury, thereby settling other relationships in society well.

THEORETICAL BASIS OF THE CONSUMER LOANS ACTIVITIES OF

Consumer lending is a form whereby bank transfers to customers (individuals) right to use the amount of value (money) in a given period of time, with the agreements that the two parties have signed (the amount of money, the time, the interest rate …), which allows them to be able to use a higher life

As a loan, the consumer lending also has the contents and characteristics of a general loan, which is the time limit, the refund and interest rate In addition, consumer lending has specific points:

To be granted credit: consumers include individuals and households

Purpose of use: to purchase goods and services used for consumption purposes, rather than business purposes Main goods and services include: housing, household appliances, transportation, education, health, tourism, …

- The size of the loans is small, but the number of vay It comes from individual borrowers and households with loans to be used to consume their own needs, which are often small to cover individual needs or households, so the size of non - big loans Due to small - value loans, the cost of high lending, this is one of the causes of consumer lending interest rates usually higher than commercial lending rates or industry

Consumer loans are higher risk than commercial lending or industry, because consumer loans are not only in the risks of objective factors but also risk taking risks from the customer, such as personal financial or household conditions, or đình.

This is the next reason why consumer lending rates are usually higher than other loans

The term loan is often short, so consumer lending interest rates are usually fixed, thus reflecting the changes of the market, which makes consumer lending contracts extremely risky

- Consumer demand for consumer loans is mostly giãn with interest rates. From the value of a small loan value, the borrower is interested in the amount of money payable (monthly) rather than the interest rate they have to bear

- Consumer borrowing needs are often dependent on economic cycles. Economic growth, people optimistic about future incomes should tend to increase spending on consumption, stimulate consumer credit growth, vice versa when economic downturn, people' s incomes, are concerned about the risk of unemployment, and they're worried about the risk of spending less

- Levels of income and education levels are two variables that have a close relationship with customers' consumption needs The higher income is, the greater the borrowing is considered to be the tools to achieve higher living standards, more comfortable, rather than just warm food With higher education levels, income is also higher, making their loans safer and not just because of good debt sources but also safe for perceptions, the ethics of borrowers High education often receives the bank' s trust so they can easily lend and tend to borrow more In contrast, people with low education tend to be more likely to borrow, borrow fewer loans, to be closely supervised by banks, not even credit banks

The quality of the customers's financial information is not high This is because, companies want to borrow banks to produce financial statements and often have the company's certification, while personal financial information is difficult to verify

Currently in Vietnam, the new credit center of the sbv (CIC) has provided credit information only on enterprises, which have not provided personal or household credit Personal customer information is mainly provided by customers themselves so accuracy is not high Therefore, banks often focus on private loans for employees, public employees in the administrative system and employees of a number of large enterprises due to their relatively stable income and the majority of them are open to the bank's lending, monitoring, debt collection, and the bank's debt

Customer status is a difficult factor, but it's important to decide the repayment of the loan As well as any loan, this is an important indicator for the assessment bank before deciding the lending For consumer lending, the more important the borrower role is, but as the borrower is a factor, it is difficult to determine precisely. The loan status determines the use of loans for proper purposes and is a good decision to repay the loan As a result, the more likely the borrower is, the higher the customer's debt repayment, reducing credit risk for banks

1.2.3.1 Based on the loans term

- Short - term consumption of short - term consumption: is a type of loans that has a loans term of 1 year mainly serving the short - term living needs of the individual

- Medium-long term Consumer loans: loans with a term of over 1 - 5 years' time for the purpose of procurement of domestic materials, house repairs, and health care

- Long - term Consumer loans: for a period of 5 years, it is used for more than

5 years for the purpose of building a dwelling house

- Resident loans: loans to serve the need for construction, procurement, or housing of individuals The characteristics of these loans are large, long - term. Therefore, with these loans, the bank is vulnerable to interest rates

- Non - resident loans: loans that serve demand for life improvements such as procurement, equipment, travel, education, or trí… of these loans are usually a small, short - term loans, so the level of risk for the bank is lower than those for consumption

1.2.3.3 Based on the form of loans guarantee

Consumer loans guarantees not equal to assets: Consumer loans is not used to ensure loans, commercial banks rely solely on borrowers or guarantors to decide loans

Consumer loans guarantees to assets: it is for loans based on such loans guarantees, pledging, đbbts, forming from loans capital or ensuring the third bladder of the third person

Direct consumption of Consumer loans is Consumer loans which directly contact their customers, appraise, evaluate the needs of customers and lend customers as well as the collection of debts directly to the bank

Indirect Consumer loans is the form of loans in which banks buy loans generated by retail companies sold goods or services to consumers In this case, the retailer and the bank shall sign the debt purchase contract In the contract, the bank usually presents the terms of the technical object sold, the amount of money sold at most and the type of asset sold Then the retailer and consumers signed the sale of goods Usually, consumers pay a portion of the asset value The retail company shall assign the property to consumers and sell the sale vouchers to the bank The bank based on that document will pay the loans for the retail company Finally, consumers pay for the bank

1.2.3.5 Based on the reimbursement method

Installment loans: this is a Consumer loans form in which borrowers pay debts (including principal and interest) for many times, according to certain maturities during the loans term This method is often applied to loans valued at a borrower's regular or recurring income that the borrower is unable to fully pay a loans

CONSUMER LOANS INDICATORS

The loans for the loans is the sum of money that the bank has lent to customers in a certain period of time, excluding the borrowed loans

Loans for loans are generally finalized periodically, half a year or a year Loans sales reflect the results of development, expansion of loans, showing the possibility of capital transfer and credit growth rate of bank

The higher the loans, the better the bank's loans works In contrast, if the index drops, the bank' s loans is in trouble

The debt collection turnover is the indicator indicating the amount of capital that the bank has recovered debts from a certain period of time

If the debt collection sales is higher, the bank's debt collection is better, with limited loans risk In contrast, if the debt collection sales is lower, the bank's debt collection is at risk

This entry reflects the customer's debt collection, thereby obtaining a comparison with loans sales to see the bank's collection of debts effectively or not, thus showing the quality of the loans and the performance of the loans in the bank

Debit is the indicator reflecting the amount of capital that customers use by banks at a particular time

Average loans balance = ( Average loans balance this term + Average loans balance last term )/2

The average debt balance of a bank can indicate the size of the general loans operations, as well as in Consumer loans or over the years If this expenditure is stable to prove the size of the bank's loans to strong growth, the performance of loans is increasing and vice versa

Overdue debts are debts to debt repayment or the expiry of the loans term with extended time (if any) but the customers are still unable to pay.

This is an old - credit evaluation indicator, reflecting the bank's credit management capability in loans, urging the withdrawal of debts of banks for loans (including loans, car borrowing, consumer borrowing, or debt debts) credit card, ) as well as the quality of credit at the bank The greater the volume of credit and vice versa According to the current regulations of the sbv, this entry is not exceeding 3%

The objectives of the commercial bank's strive for non - performing debts But in fact, it's really hard to implement

Bad debts are classified in detail in CIC – national credit institutions The cic assesses debt history in five groups:

Table 1 1: Table of classification of bad debt groups

Group 1 Qualified debt group Under 10 days I' ll take a look at the loans

Group 2 Debt group needs attention

From 10 days to 30 days After 12 months

Group 3 Substandard debt From 30 to less than 90 days Five years

Group 4 Doubtful debts From 90 days under 180 days Five years

Group 5 Insolvency group Debt from 180 days or more Five years

CURRENT SITUATION OF CONSUMER LOANS AT

OVERVIEW SACOMBANK DONG HOI QUANG BINH

Vietnamese name: Saigon joint stock commercial bank

English name: wrong sai gon thuong bank Sai Gon Thuong Tin Commercial Joint Stock Bank

Website: www Sacombank com vn

Sacombank (Sacombank) established under decision no 05 / GP - UB ofDecember 21, 1991 of the people's committee of the city Ho chi minh and operation decision no 0006 / NH-GP of december 5, 1991, on the basis of the transfer of the bank for economic development and merger of tan binh credit cooperatives successfully – Lu Gia At that time, all four of these units were extremely difficult financially Start with the original charter capital only with 3 billion, more than 24 years of operation and development After merger of southern commercial banks (southern bank), Sacombank of the top five Vietnamese banks with a charter capital amounting to 18, 852 billion, the owner of 26, 916 billion , the network for operating at the national level of 566, 510), the total number of staff members is 15, 510 billion (31 March 2020) With strong resources, Sacombank can further improve the scale and quality of services provided to customers, increasing the availability of capital to the market

2.1.2 The process of formation and development

Sacombank- Quang Binh Transaction Office officially opened its operations on December 12, 2006, with its spacious head office located at 254 Tran Hung Dao, Nam Ly, Dong Hoi town, Quang Binh province With a staff of highly qualified, dynamic and experienced staff in banking industry, PGD has initially achieved many good results: as of the end of November 2007, Sacombank - Quang Binh Transaction Office has a total mobilization converted to 162 billion, reaching 135% of the plan year; total loans is 171 billion dong, profit after breakeven 320 dong is 1,937 billion dong

Sacombank - Dong Hoi Transaction Office Quang Binh is one of the major transaction offices of Sacombank with 5 transaction points across the province bringing many profits for the bank:

+ Dong Hoi Transaction Office: 252 Tran Hung Dao, Nam Ly Ward, Dong Hoi, Quang Binh

+ Bo Trach Transaction Office: National Road 1A, Sub-zone 2, Hoan Lao, Bo Trach, Quang Binh

+ Ba Don Transaction Office: Quarter 1, Thi Tran, Ba Don, Quang Trach District, Quang Binh

+ Dong Son Transaction Office: 81 Ly Thai To, Bac Nghia Ward, Dong Hoi, Quang Binh

+ Bac Ly Transaction Office: Bac Ly Ward, Dong Hoi, Quang Binh

2.1.3 Organizational structure of the commercial bank and resources

2.1.3.1 Structure of the Sacombank apparatus

Diagram 1: organizational structure Sacombank Pgd Dong Hoi Quang Binh 2.1.3.2 Functions of each department

Building management and coordination of sales indicators according to specific products Marketing and development of business, management of business customer care Management of joint ventures and joint ventures related to business activities

Customer marketing and leads to personal services include credit activities, underwriting, development services, agency development, agency and foreign remittance services, and other retail services

Following monitoring and supervision of credit risks in cn Carry out regular evaluation of credit portfolios in cn Accounting accounting Control credit dossiers before disbursement of disbursements, archive of credit dossiers

-Accounting - Treasury manager vice president vice president

Guide and post accounting accounting for all units attached to the transaction department Ensure the payment of cn to the internal banks and other banks. Compilation of the financial business plan of the transaction department. Management of operating expenses, payment management and management of funds To preserve and use the seal in accordance with regulations

Support credit, re - control of credit dossiers and return to the management board To join the enterprise's appraisal unit/individual inspecting the use of regular capital and irregular loans for the bank with overdue debts

Management of loans category, guarantee according to the list of trades for loans, credit limits To monitor and report to the managing board, the business office, the individual on the situation of capital collection, interest and the process of each loans, and control of overdue debts

Receipt, distribution, distribution and archiving

To carry out the procurement, management, distribution of labor tools, press, and stationery according to regulations

Manage and preserve the transaction infrastructure

To be responsible for monitoring the organization and monitoring of the payment of money, security and fire prevention and fighting, ensuring absolute safety of facilities in and outside working hours

Management of the bank's holding system and personnel in charge of the warehouse in the locality

To monitor the personnel situation at the transaction office and the dependent units, to perform some work on personnel management under labor

Formulate administrative and annual administrative plans and monitor the implementation of the plan

It is an accounting unit and has its own seal, without a separate balance sheet,balancing its income and internal cost and interest To perform part of the activities of the transaction department, provide the products of – services, handle the transactions arising in transactions with customers a

2.1.4 The business performance of Sacombank Dong Hoi Quang Binh from 2017- 2019

2.1.4.1 The situation of mobilization of the bank from 2017 – 2019

Table 2.1: The situation of mobilizing capital at SACOMBANK – DONG HOI

9 100 469,651 19.6 1,129,519 39(Source: Incom statement of SACOMBANK, Dong Hoi Transaction Office, Quang Binh )

The mobilization of capital accounts for important positions and contributing to the country's currency, which facilitates customers with consumer capital in short periods of time Vietnam' s economy grows, with the intention to push the modernization of the country into the country by 2020, to be an industrial country, so to implement this policy, it needs to be set up to promote capital mobilization

By monitoring the mobilization of capital through the years we can see the structure in the funds' capital sources is relatively stable, the total capital mobilization of the transaction department increases over the years Using style reforms, customer service attitudes have attracted many customers to send money, diversify loans forms In which the bank mobilized the bank is mainly from receiving the highest proportion of remittances The bank also mobilized from the issuance of valuable papers and capital loans

The level of increase is thus due to the investment channel that generates bank savings, attracting more customers outside the transaction department to apply such measures: flexible interest rates, tranh, and diversified capital - savings products professional service attitudes, professional staff, staff of staff help banks always have large numbers of customers and stable

On the annual remittance of remittances to Sacombank treat interest rates to meet the demand for deposits to customers More than years ago, 2019 pushed the Sacombank remittance issue in the' xuan dac loc' program for the year - end customers to send savings to the end of 2019

In addition, during the month 06/ 2019, the customer registered for electronic banking services (including mobile banking and internet banking) will be given a gift, each sending savings at Sacombank, which is receiving the code of reward and the routine of the presentation in March of the present season Sacombank has opened a lot of appropriate deposit packages for each customer's object such as thrift savings for children under 15 years old, saving for young spouses Thanks to stepping up interest rates on interest rates and many hấp lead Sacombank has reaped

2, 960, 125 million in 2019 and 721, 018 million from 2018 Suggests that

Sacombank has successfully adopted the incentives program to attract customers to the bank on a more day - to - day basis

About the three years' worth of papers that tend to increase In 2018 this value reached 459 304 million compared with 2017 154 million In 2019, the value reached 720, 030 million, compared with 2018, 726 increased by 260 726. According to the explanation, Sacombank rushed to issue valuable papers over the bank' s second - level recapitalization In fact, bonds are one of the valuable papers that help banks to call in short - term capital, with interest rates determined The issue of papers in the last three years is due to the increased promotion of incentives for customers to come to transactions and buy these papers to enjoy future interest when due to maturity date

EVALUATION OF CONSUMER LOANS ACTIVITIES AT

First: over the years in Quang Binh province has achieved some significant achievements in the overall business operations and Consumer loans operations in particular Sacombank at hoi trading is in a crowded residential area, located on tran hung dao street, a business advantage, so the customer is always stable and is known as one of the first selected places when the customer wants to make a deal. Through the data table (table 2 4, chapter 2) shows that loans indicators for loans, debt collection sales and average debt tend to increase by each year that will help the transaction department gain a large margin in the year, and also help the bank expand the range of loans in Quang Binh This allows the transaction department to complete the overall balance of loans balance for the general loans and Consumer loans in particular

Second: the bank has made a lot of Consumer loans products such as borrowing houses, car borrowing, education borrowing, paper borrowing, paper mortgage, which makes it easier for customers to access loans Through data (table

2 8, chapter 2) In addition to old borrowing products, the bank is developing many other utility products such as loans borrowing, minh, and Sacombank, which is intended to provide a full - time preference for the private sector, for the purpose of schooling, to the individual customers who use the Vietnamese money - transfer program to use the overseas money - transfer program for the purpose of education.The program is implemented throughout the Sacombank system in viet nam, where customers are given a need for financial and non - business loans for the first time,with a need for financial and concessional loans for the card, with a need for financial and concessional loans for the first time, and for a financial and concessional loans for the card, with a demand for finance, for education, and a demand for financial incentives for a given education, with a need for finance, for education, and a demand for financial incentives for a given education, and a demand for financial assistance, for education, for a long - term education card,with a demand for finance, for education, and a demand for financial preferences,for a scholarship, and a demand for financial incentives, for education, for education, with a need for finance, for a scholarship, and a demand for financial incentives, for a scholarship, with a need for finance, for a scholarship, and a demand for financial incentives, for a scholarship, and a demand for financial incentives, for a scholarship, and a demand - demand policy for a scholarship, however, for a scholarship, for a scholarship, and a demand for financial incentives, for a scholarship, and a demand - demand policy for a scholarship Accordingly, Sacombank offers the interest rate of 14% / year with a maximum of 5 years for customers who need to borrow the cost of payment for education (including fees and living fees) ; interest rates are low for borrowing customers proving the financial capacity for a student visa In addition, Sacombank has reduced the fee for remittance service fees from the loans loans and free of charge to certify the balance of financial capacity for sincreasedport services Today, the nh are producing similar products to increase market competitiveness However, Sacombank' s consumer borrowing products are out of the other features and features of the other, and there are many advantages, worthy of one of the top vietnamese

Third: doing well - looking search and customer - borrowing work ensures that assets through data (table 2.7 chapter 2) see the form of loans - based loans with increased assets over the years For this form of borrowing, the bank has reduced the risk for the customer to lend because of the collateral The bank makes it easier to assess and recover debt

Fourth: application of modern bank extensions to Consumer loans Investment in modern technology, Sacombank Quang Binh is constantly improving quality and improving technology, working facilities so productivity is high and efficient. Sacombank successfully launched t24' s t24 (core banking) software system software to improve the quality of service quality

This is a new banking technology that sincreasedports the development of online services, responds quickly to customer requests as well as improves service quality In addition to pioneering the conversion of magnetic cards to chip cards, increased to now, Sacombank is the first and only bank in Vietnam to implement the EMV-standard QR payment method of 5 card organizations including Visa, Mastercard, UnionPay, JCB and Napas.

The bank is implementing a credit creation, approval and management (LOS) system LOS enables automation of document delivery, reduction of paper documents, data entry and re-use, assisting with application processing at the judgment execution stage and at multiple approvals following more quickly.

Fifth: Consumer CV procedure is relatively simple, takes less time, creates trust with customers, contributes to increase the bank's reputation and influence

In the results achieved by Sacombank, it was due to the effort of the workers in the entire transaction department that had worked so hard to achieve those results, next to those results, the bank had some restrictions on its Consumer loans, as follows:

First: through table 2 8, chapter 2 shows that the product loans product is a new product, but is taking a small proportion because marketing is not really effective The study of marketting operations for banks is one of important issues contributing to the efficiency of banks In the course of the competition between banks not only at interest rates, the quality of the services that banks brands are also an equally important factor So, promoting banking activity is interested in the banking concern Not outside the general law, SACOMBANK – DONG HOI BRANCH transaction office is facing tough competition challenges from the banks you

Second: Through data table 2.5, chapter 2 shows that bad debt credit debt is still quite high After getting loans, many customers have used it for improper purposes with loans plans Customers borrow money for consumption purposes, but in fact, customers use money to trade real estate, play securities, trade gold online or customers borrow short-term loans to invest in medium and long-term purposes. This is a common cause leading to difficulties in debt payment due to imbalance in repayment sources Until the investment and business capital losses, there is no other source to repay the bank debt, resulting in bad debts.

Third: improperly implementing the debt control and debt recovery forConsumer loans that are not particularly likely to increase at the time of the state bank' s approval, the highest rate of borrowing in the state - bank review is expected to increase in 2019, at the highest rate of loans to the state bank, 0 82% in 2019, which is still limited to the state bank' s approval

Wednesday Bank loans products Sacombank Hoi Dong and limitations In addition to the products you know the development of a number of new loans services for the modern bank such as loans through domestic credit card issuance, international credit card, has not yet reached large - scale projects for the state, of the province to invest in capital loans capital, loans loans That leads to customers with little choice in their needs The lack of diversification of loans products makes banks difficult to distribute risks Therefore, the diversification of products, services is highly valued To diversify products, services, the new bank has more profits

Most Consumer loans are granted long - term credit because customers are mostly borrowing customers over 40% of Consumer loans This will increase the risk of Sacombank In the context of the economy, the management requirement and the use of capital suitable to avoid the term risk Sacombank' s capital source is mainly a term of 1 year or less, for Consumer loans from 3 to 15 years, a very large risk

Consumer loans latent potential high risk: Also, for this reason, Sacombank' s main Consumer loans object is the state employees' staff, who have income earners okay determination, the guarantee of the head of the agency or representative of the trade union and the source pay debt from việc of a monthly income This is no the statue has the lowest overdue debt rate And for the businessman free labour other subjects have no stable income i will more difficult in debt repayment lead overdue debt To limit risk, the bank focuses on Consumer loans, which ignores many other potential objects, capable of repaying good debts, high income

People' s psychology is one of the most important factors that affect the overall loans activities and especially Consumer loans Although there has been positive shipping in the familiar bar using banking products, it is not really the street in the population When they go to the bank, they feel that they are the debtors and carry the burden of debt liability People still have the habit of saving enough money, and then consuming, afraid to access banks' Consumer loans services This affects Consumer loans

Cost High consumption loans : In all kinds of loans for Consumer loans contain the highest risk should lead to higher rates of loans than other loans forms.

SOLUTION EXPAND CONSUMER LOANS ACTIVITIES

GENERAL ORIENTATION ON BUSINESS OPERATIONS AT

On the basis of the results achieved and shortcomings in the past time, Sacombank in dong hoi trading has set increased the following operating orientations:

To perform the work of mobilizing capital and increasing capital sources mobilized from the form of personal deposits, population and economic organizations

To attach importance to the evaluation of the borrowing customers in the bank for the coming time

To promote the performance of transaction departments, increase competitiveness with banks in the same area

Make sure to well comply with regulations on capital safety in business activities, increase the effectiveness of internal control, combine sincreasedervision and control measures, and handle errors in credit activities

To carry out the increase in credit suitable to the growth rate of capital mobilization in order to limit the capital accumulation

Combined with government agencies địa the aim of doing well in the development of the area

Renewing the limited transaction detection work in the process of improving the quality of credit, continuing to promote the capabilities of bank staff in proposing opinions to restrict bad debt and bad debt To improve the debt recovery of the economic organizations in their localities

Orientation will continue to develop a new source of customer source with small and medium-sized businesses that care about the sincreasedply of packaged banking services, especially a number of combo packages that have a lot of utility for individual customers, conveniently on the basis of protecting and improving the competitiveness of customers

With individual customers, the transaction department provides a variety of products, rich services, diverse diversity in accordance with customers' income at various levels, which one has to provide for Consumer loans

Consumer loans is selected to be provided directly from the early days of founding, which has been extended to the scale, and the quantity, quantity, quality of loans However, for a relatively small share of the credit, it is relatively small in total credit debt and has not been fully developed So the goal in the coming time of the transaction department is that the increasing consumption of Consumer loans by expanding the customer's audience, the potential for access to the full - time consumer products, helps them enjoy the most effective benefits of access to banking technology, which can benefit the best of the access to the consumer technology, which can benefit the best of access to the bank's technology

Sacombank Quang Binh will provide Consumer loans services The transaction department shall provide and develop loans for the export of labor ' cause currently, the proportion of export workers to other countries is quite high, making these loans a transaction has increased their income, and other requirements whew to conform to the law and objectives of the transaction department

In recent years, Sacombank Quang Binh has made cơ cấu with high social meaning In addition, the transaction department will provide Consumer loans to the business model Alone chiến 2017– 2020 development scheme Sacombank QuangBinh

SOLUTIONS TO CONSUMER LOANS IN SACOMBANK QUANG BINH 66

3.2.1.1 Focus and promote marketing activities for banks

Based on the seventh restrictive existence 2 3 2 limitations of chapter 2 in terms of marketing, strengthening and development not really good, the introduction of products is not yet effective In the current market economy, when competition is extremely intense, marketing becomes very important So in the coming time,the bank needs to build a better marketing strategy

Promoting propaganda promoting products that the bank provides a broad way of making customers aware of the banking activity, the bank's credit policy mechanism, thereby strengthening a sustainable way Actively seeking customers: not only do the propaganda, which is more important than to find out customer, target customer selection From which the bank gives the bank solutions, specific strategies to attract customers to more branches Parallel to attracting new customers, the branch should also set increased existing customer care programs that have attracted new customers to retain their own customers. Such as can be printed, gifts, greeting cards for customers in dip or on important days Often build and introduce incentives and incentives for customers, to be interested in practical difficulties and customers' needs from there to introduce specific measures to meet the needs of customers, contributing to the relationship

3.2.1.2 Promote the work of limiting bad debt handling for Consumer loans

Based on the sixth limit section 2 3 2 chapter 2 and table 2 4 chapter 2 ,

Showing the bad debt of consumer lending in the branch is trending This rate is quite high compared to the common market Meanwhile, the bad debt of lending at the branch is trending

The bad debts are the indicators that reflect the quality of credit and reflect the operational situation of a bank

To improve consumer lending efficiency, the branch must focus on monitoring and collection of debts, as any lending operations for the issuance of loans must also be focused on customer debt collection The status of overdue loans for consumer lending at a large bank is due to the customer on the due date The strict monitoring and debt collection of limited liability is essential to the credit staff credit officers need to open daily tracking numbers for each customer with the management information system, reflecting the following basic criteria: outstanding debt, maturity debt, principal debt, principal debt, debt extension, debt extension Accordingly, credit officials need to remind customers of the maturity liabilities of a few days through the payment measure: call, meet with a direct reminder because the time of debt is overdue, but the reason is not to be fully aware of the overdue debt In addition, the dung should be skillful, the children to not affect the prestige and dignity of customers

In addition, to settle the debt - efficient debt of sacombank bank in the Dong Hoi, the association should increase the attachment to local authorities, authorities.

It is also necessary to set up a debt - handling part of the high - skilled people, as well as the law on the handling of debt easier

Through table 2 8, chapter 2 and results achieved item 2 3 1 chapter 2 shows the effectiveness of the diversification of the products, but it is also easy to assess whether the customer has the right loan In order to compete with the banks you are, sacombank exchanges the dong hoi trade in Dong Hoi, which has to diversify the product to satisfy customer demand

To find out the customer needs, the needs of those needs to improve the products and produce new products that meet customers' needs

Using modern technologies to develop services to develop their services in the transaction room also needs to develop a payment card system such as debit cards, payments cards, credit cards at the shopping malls, and the cost - and - cost transaction,

About credit services: based on good financial capacity and risk management work Regularly review, assess and classify customers Screening to lend credit to low credit customers or ineffective business activities, thereby improving bank competitiveness

To diversify product and business object products, increase the investment in banking services outside credit such as market lending, boost the development of atm card products, develop the atm card and pass remittance through the bank, thereby increasing the foreign currency in foreign currency, thereby increasing the foreign currency mobilization

Today, when the income of people increases with the birth of many financial companies, many banks, the comparison, quality assessment of customers' products between banks can be avoided In between customers, attracting new customers and can compete with other banks, improving and improving the quality of product is essential for the sacombank bank in particular Due to the establishment of the sacombank bank products of sacombank, there is no competition So sacombank needs to build more consumer lending products that increase the diversity of consumer lending products that make it easier for customers to choose appropriate loans for themselves, helping customers satisfy the new needs, increasing their competitiveness, increasing their position, the image of the bank

To be a modern, diversified, sacombank retailer, focused on developing a variety of personal products with diversified products, simple, easy to understand, with popularity, popularity, and high standardization through the wide - ranging network of sacombank

3.2.1.4 Diversification of loans in the loans term

Through the table 2 5 Consumer loans situation in chapter 2 and based on the hặn of the short - term loans share of short - term loans and long - term medium- long term loans

For loans under the loans term of Sacombank in dong hoi trading, the binh hoi dong trading must improve the quality of the assessment, avoid loans under the movement of the loans, to minimize real estate loans when the real estate situation in da nang is taking place in complicated and short - term loans

The bank needs to thoroughly study the market, grasp the market needs, timely delivery of new services for short - term loans The bank also needs to study the new transformation for medium - and long - term credit forms Besides, it is necessary to advise customers in selecting appropriate services for customers' needs.

It helps banks reduce risk, thờ more customers to reduce costs and increase income to banks

3.2.2.1 Raise the quantity and quality of human resources

A problem is considered important for each bank is cadre work Along with the renovation of banking,technology is the retraining of bank officials capable of mastering that technology as an urgent requirement To meet the increasing demand of customers and bring the biggest income to the bank, to keep it steady the operation of the bank during the competition, the improvement and the extension of the credit is essential So the credit officer must have the qualities and capabilities to perform the work To improve the capacity of the credit sector, the bank has to regularly have training courses on the customers, which have a very good view of the bank, that the bank has the most favorable benefits for the people, who create a good view of the bank, also, in the customer' s company, have the most important incentives for the people, who create a good view of the bank in the customer' s interest, in the customer - to - market regime, with a very good view of the bank, as well as the bank in the customer's system, to create a good view of the bank in the customer' s interest, as a result of such a good performance, for the good of the customer, to create a good view of the bank, to create a good view of the bank in the customer's performance, as a result of such a good performance, for the good of the customer, to the user, to create a good view of the bank, to create a good view of the performance of the bank in the customer

The bank's loans operations are very risky, so it's important to evaluate the most important link to this operation Through the banking assessment of the financial situation, the purpose of using loans capital, the status and solvency of the borrower In exchange for Consumer loans, this is important As a result, Consumer loans in most of the bank is committed to paying debt from monthly and loans income that is used for consumption purposes, which is not likely to be profitable as a loans Moreover, the appraisal of the quality of loans in the current loans, while overdue debts tend to increase so the bank can' t increase the performance of the work Many factors that are used by the trusted officers to analyze a request for borrowing and repayment of repayment of loans, suitable to the conditions of the credit contract are the most important factors to be evaluated by the credit officer The credit staff must first consider the credit of the latter who is the income and stability of the third customer's income is the stability of employment and residence After knowing the issues, the new credit officer offers the loans criteria such as the loans term, borrowing and debt repayment

REQUEST

3.3.1 Petition for the local government

Proposal of the municipal people's committee Dong Hoi to create more favorable conditions for the purpose of coordinating the coordination of agencies and branches in the process of handling debts in the course of handling of difficulties and problems in judgment enforcement and complete legal documents of assets: procedures for coding and notarization , at the same time, there is a document directing the agency or unit that has the responsibility to handle the debts of the officers and employees of the bank as well as take responsibility for the accuracy of the information provided to the credit officers and personnel of their units.

To propose the notary agency to create favorable conditions for the bank in the process of notarization of the mortgaged property dossier

To propose the law enforcement agency to speed increased the judgment execution rate with the cases where the customer is instituted and has decided the judgment enforcement decision

Regularly providing information on the economic situation, information about risks may occur in order to guide the branch's activities, help the branch with the right and timely decisions

Facilitating the life of staff, a reasonable training regimen should now be given to the staff so that they have a comfortable mental and healthy spirit to work more efficiently

Growing banking, the number of customers coming to the trading date is especially specific to customers to send money and borrow money with a very crowded time Therefore, the final recommendation to Sacombank is to expand further infrastructure to serve customers in the best way

Thus, to expand and enhance Consumer loans efficiency at Sacombank bank in the Dong Hoi trading transaction, there is a unified coordination between relevant authorities involved in creating synergy, achieving a strong and the best - growing growth in Consumer loans

Ensure the stability of macroeconomic stability: the general economic components and banks in particular if exist in the unstable macroeconomic environment will not work effectively Therefore, the government needs to continue adjusting macroeconomic policies more appropriately with the market mechanism in international integration, ensuring the stability of monetary policy in order to maintain economic growth at high levels, to create stability for the safety, efficiency and sustainability of the bank

Complete legal framework and improve administrative mechanisms, policies and procedures related to banking activities The government needs to continue to improve the legal framework and improve administrative mechanisms, policies, procedures so that the business environment can become increasingly open and favorable to the banks, in which the following focus is needed:

Speed increased the construction progress and complete the system of legal documents related to banking activities to create a legal basis for the bank's business activities, fully promulgate the guiding documents (decrees, circulars) Building and regulating the system of legal documents said that based on the principle: consistent with international standards and practices, there is a critical condition and market situation in Viet Nam that avoid conflicting laws and laws Instructional documents need to be synchronized, consistent and avoided

Reform of administrative procedures, minimizing time and procedures of the relevant authorities to banking operations (especially procedures for notarization and transaction registration) The financial sincreasedport policy for the activities of banks: sincreasedport to increase the charter capital and handle the outstanding debt

- related debt in accordance with the government's programs to improve the bank's financial capacity Sincreasedport banks in access to foreign and multilateral donor financing and international financial institutions to create modern banking and technological investment

Ensure that the creditors' rights of the banks according to international law:when the customer fails to repay the debt, the bank shall have the right to handle the secured property to recover debts without through any authority.

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