Giải pháp nâng cao chất lượng tín dụng tiêu dùng tại NHTMCP MB – Chi nhánh Đống Đa

Báo cáo tốt nghiệp Học viện Ngân hàng LỜI CAM ĐOAN Tôi xin cam đoan khóa luận “ Giải pháp nâng cao chất lượng tín dụng tiêu dùng tại NHTMCP Quân Đội – Chi nhánh Đống Đa” là công trình nghiên cứu của tôi. Các số liệu, kết quả trong khóa luận là trung thực xuất phát từ tình hình thực tế của đơn vị thực tập. Hà Nội, ngày 20 tháng 05 năm 2013 Người trình bày LÊ THỊ THANH TÂM Lê Thị Thanh Tâm Lớp: NH.E – K12 Báo cáo tốt nghiệp Học viện Ngân hàng MỤC LỤC THỰC TRẠNG HIỆU QUẢ HUY ĐỘNG VỐN TẠI NGÂN HÀNG TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA 18 2.1 TỔNG QUAN VỀ TÌNH HÌNH HOẠT ĐỘNG KINH DOANH CỦA NH TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA 18   !"#$% &'()*&+, */*01*23405*67*8*&9*&-:*)2;&<* 48*=2>&2*&?*&@*7A *BCDEFFGHIJKLMJNOPA QRSDTA UVUF#WXYD$Z[FKKU\ ]!Z^JSZJ_YQZLMJNZFKK`UabcQRFFGd!W A [#SDLMJNOA >SDWeeA >SDWfZ!J_A >SDWZ]DJ_ZUgBZ!A >SDJXA >SDYW!D`hA >SDI!FA >SDOW#!A >SDieMA j^SDTA 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-Chương 3: Giải pháp nâng cao chất lượng tín dụng tiêu dùng tại Ngân hàng thương mại cổ phần Quân đội- chi nhánh Đống Đa Lê Thị Thanh Tâm Lớp: NH.E – K12 Báo cáo tốt nghiệp 3 Học viện Ngân hàng CHƯƠNG 1 CƠ SỞ LÝ LUẬN VỀ CHẤT LƯỢNG TÍN DỤNG TIÊU DÙNG CỦA CÁC NGÂN HÀNG... DÙNG CỦA CÁC NGÂN HÀNG THƯƠNG MẠI 1.1 KHÁI QUÁT VỀ TÍN DỤNG TIÊU DÙNG 1.1.1 Khái niệm tín dụng tiêu dùng Căn cứ vào mục đích dụng, tín dụng được chia thành tín dụng bất động sản, tín dụng công thương nghiệp, tín dụng nông nghiệp và tín dụng tiêu dùng Trong đó, tín dụng tiêu dùng là các khoản cho vay nhằm tài trợ cho nhu cầu chi tiêu của người tiêu dùng, bao gồm cá nhân và hộ gia đình Đây là nguồn tài... người tiêu dùng (5)Người tiêu dùng thanh toán nốt số tiền vay cho ngân hàng Lê Thị Thanh Tâm Lớp: NH.E – K12 Báo cáo tốt nghiệp 7 Học viện Ngân hàng 1.2 VẤN ĐỀ NÂNG CAO CHẤT LƯỢNG TDTD VÀ SỰ CẦN THIẾT PHẢI NÂNG CAO CHẤT LƯỢNG TDTD CỦA NHTM 1.2.1 Khái niệm chất lượng tín dụng tiêu dùng: Chất lượng tín dụng tiêu dùng là sự đáp ứng tốt nhất yêu cầu về vốn của khách hàng để thực hiện hoạt động tiêu dùng, ... tồn tại trong hoạt động TDTD tại chi nhánh Đống Đa Cụ thể: 34 2.3.1 Những kết quả đạt được 34 Thứ nhất: Thu nhập từ lãi tín dụng tiêu dùng tăng trưởng cao, ổn định qua các năm Kết quả này sẽ là động lực để Chi nhánh tăng cường hoạt động tín dụng tiêu dùng Kết quả cũng lý giải nguyên nhân của một trong các mục tiêu chi n lược của Chi nhánh là mở rộng và nâng cao chất lượng. .. chi nhánh đã bắt đầu quan tâm tới hoạt động cho vay tiêu dùng, nhưng hoạt động này vẫn chưa thực sự trở thành hoạt động lớn của ngân hàng Chính vì vậy, việc tiếp tục nghiên cứu và đưa ra các giải pháp để nâng cao chất lượng tín dụng tiêu dùng sẽ có ý nghĩa về phương diện lý luận và thực tiễn đối với sự đa dạng hóa hoạt động của ngân hàng Do đó, em đã chọn đề tài Giải pháp nâng cao chất lượng tín dụng. .. TRẠNG HIỆU QUẢ HUY ĐỘNG VỐN TẠI NGÂN HÀNG TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA .18 THỰC TRẠNG HIỆU QUẢ HUY ĐỘNG VỐN TẠI NGÂN HÀNG TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA .18 2.1 TỔNG QUAN VỀ TÌNH HÌNH HOẠT ĐỘNG KINH DOANH CỦA NH TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA .18 2.1 TỔNG QUAN VỀ TÌNH HÌNH HOẠT ĐỘNG KINH DOANH CỦA NH TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA .18 2.1.1... 2.2.3 Thực trạng chất lượng tín dụng tiêu dùng của NHTMCP Quân đội- chi nhánh Đống Đa 30 2.2.3.1 Các chỉ tiêu định lượng 30 a Về nợ quá hạn 30 Lê Thị Thanh Tâm Lớp: NH.E – K12 Báo cáo tốt nghiệp Học viện Ngân hàng Dư nợ cho vay tiêu dùng trong thời gian qua tại chi nhánh đang có sự tăng trưởng Nhưng sự tăng trưởng này chỉ thực sự tốt khi đi kèm với nó là chất lượng khoản vay... vay tiêu dùng tại Ngân hàng thương mại cổ phần Quân đội -chi nhánh Đống Đa nhằm phân tích, đánh giá những kết quả cũng như hạn chế và nguyên nhân của những hạn chế Trên cơ sở đó đề xuất một số giải pháp và kiến nghị để nâng cao chất lượng hoạt động cho vay tiêu dùng 3 Đối tượng và phạm vi nghiên cứu -Đối tượng: Hoạt động cho vay tiêu dùng tại Ngân hàng thương mại cổ phần Quân đội- chi nhánh Đống Đa -Phạm... phần giải quyết các vấn đề xã hội như tạo việc làm, xóa đói giảm nghèo, xây dựng các vùng kinh tế mới, tạo điều kiện để thực thi chính sách quốc gia 1.2.2 Các chỉ tiêu đánh giá chất lượng tín dụng tiêu dùng 1.2.2.1 Các chỉ tiêu định lượng a, Chỉ tiêu vòng quay vốn TDTD Chỉ tiêu này thường được các NHTM tính toán hàng năm để đánh giá khả năng tổ chức quản lý vốn tín dụng tiêu dùng và chất lượng tín dụng . Ngân hàng LỜI CAM ĐOAN Tôi xin cam đoan khóa luận “ Giải pháp nâng cao chất lượng tín dụng tiêu dùng tại NHTMCP Quân Đội – Chi nhánh Đống Đa là công trình nghiên cứu của tôi. Các số liệu, kết. – CHI NHÁNH ĐỐNG ĐA 18 2.1 TỔNG QUAN VỀ TÌNH HÌNH HOẠT ĐỘNG KINH DOANH CỦA NH TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA 18 2.1 TỔNG QUAN VỀ TÌNH HÌNH HOẠT ĐỘNG KINH DOANH CỦA NH TMCP QUÂN ĐỘI – CHI. NH.E – K12 Báo cáo tốt nghiệp Học viện Ngân hàng DANH MỤC CÁC BẢNG THỰC TRẠNG HIỆU QUẢ HUY ĐỘNG VỐN TẠI NGÂN HÀNG TMCP QUÂN ĐỘI – CHI NHÁNH ĐỐNG ĐA 18 THỰC TRẠNG HIỆU QUẢ HUY ĐỘNG VỐN TẠI NGÂN