Giải pháp phát triển cho vay tiêu dùng khách hàng cao cấp tại ngân hàng thương mại cổ phần tiên phong

BO GIAO DIX VA DA0 TAO THONG HAI HOC THANG LONG KHOA LUAN TOT NGHIEP TAI: CHO VAY TAU DUNG nuEN PHAP PRAT HANG CAO CAP TAI NGAN HANG MACH THRONG MAI CO PHAN TAN PRONG • Gifu) vien louring dan : Tbs Plum TM Bio Oanh Binh vien thqc hi§n MA sink vies Chuyen nghnh : Bch Wing Nhung : A16846 : Tii chinh — Ngin king HA NOI — 2015 L(II CAM (IN hoitn thinh ichba Irian nay, em xin tran tong cam an tic dray co giio trutmg em co the !tang keen thirc nen tang nhit Dai hoc Thing Long di [rang cho em den co hoan khoi luan caa mink Vi biet, em xin to long hitt on sau sic vien va Pham Thi Bio Oanh, giio hutmg din khoi luan cira em, da Ong ho, Ong tan tinh giup da em suet qui thrill thuc hien vi hoan thinth ichoa luan Em xin tran tong elm an co Bai Thu Hi — Giam &it Trung tam ichich hang cao cap Ngin hang TMCP Tien Phong da girp der em ve chuyen mon qui tint lam De Mu% luau Do nhftng han the ve thbi gian, ve kien that ding nhu kinh nghiem thuc bin than nen Ich6a luan khOng trinh ichdi c6 nhCmg thieu set, han the Em tit mom titian duqc y kien clang gap tir the thiy co Qua day, xin giri hitt tai gia dinh luOn dOng vien, lieu kien de c6 the hoan kin% luan niy dao sire ;thee, dat duct nhieu Cu& cling, em xin kinh chat tic thiy co Ilion song cling sq nghiep va hanh phitc tong cuOc Ha N0i, ugly 30 thing 03 nim 2015 Sink vien Bach Wong Nhung • Thang Long University Library L(11 CAM DOAN Tiii xin cam doan KhOrt 1u4n tot ngltiep 11 tv ban than thvc hien cd sv h6 try tir giao vien lurang din va khong chop cac dog tilt nghien dm cita nguiti dung Khoa ltgin la ce nguan gik va duqc khic Cie clit lieu thong tin thin clip sir trich dart rd rang Toi xin chju holm toin trach nhiem v'O Ibi cam doan nay! Sinh vien Bach Hiing Nhung MUC LUC Trang Len nth DAU CH1YONG CO SO LY LU4N CHUNG VE PHAT TRIEN CHO VAY TIEU DUNG KHACH HANG CAO CAP TRONG NGAN HANG THUONG M4I A 1.1 Host dung cho vay tieu ding Mach hang cao cap ngin hang thirong 1.1.1 Khtii niem ve kluich hang cao cap 1.1.2 Khdi niem v'J cho vay tieu dung khach hang cao cap 1.1.3 Dac dam cho vay tieu dung khach hang cao cap 1.1.4 Vai tro cua cho vay tieu dung khach hang cao cap 1.1.5 Nguyen tac va dau hen cho vay tieu thing khtich hang cao cap 1.1.6 Quy trinh cho vay lieu ding khach hang cao cap 1.1.7 Cac bien phap dam bcio tien vay cho vay lieu ding khach hang 13 cao cap 14 1.1.8 Phan loci cho vay lieu dung khach hang cao cap 1.2 Phit triers cho vay tieu ding kWh hang cao cap ngin hang 16 Hung m0 16 1.2.1 Khai niem phat Irian cho vay lieu dimg khach hang cao cap 1.2.2 Sy can thdt cia viec phat triin cho vay tieu ding khach hang cao cap 17 1.2.3 Chi lieu danh gia sir phat triin cho vay lieu dUng khach hang cao cap 18 1.2.4 Cac yiu to anh huang tai Sit phdt mien cho vay lieu dimg kluich hang cao cap 25 CHUONG 2.TIWC TR4ANG PHAT TRIEN CHO VAY TIEU DUNG KHACH HANG CAO CAP TAI NGAN HANG THVONG M41 CO PHAN TIEN 29 PHONG 29 2.1 Tang quan ye Ngin hang thuoug m0 c6 pith Tien Phong 2.2 Giii thieu ye Trung tim khich hang cao cap Ngin hang thtron msi 29 c6 phin Tien Phong 29 2.2.1 Mat so` net ve Trung tam khach hang cao cap 2.2.2 Phan nham Vlach hang cao cap tai Ngan hang thuang mai ca phein 31 Tien Phong 2.3 Cac quy dinh chung cho vay lieu ding khach hang cao clip cia 33 Ngin hang thuung msi c6 phin Tien Phong Thang Long University Library 33 2.3.1 Nguyen tac cho vay 33 2.3.2 Doi twang cho vay 34 2.3.3 Tai son dam boo 34 2.14 Lai suat cho vay 2.4 Thyc trang phit triers cho vay flan thing khich hang cao cap tgi Ngin 35 hang throng mai c$i phin Tian Phong giai down niim 2012 - 2014 35 2.4.1 Tinh hinh doanh so cho vay lieu ding Mach hang cao cap 37 2.4.2 Tinh hinh doanh so thu np cho vay tieu dung khach hang cao cap 38 2.4.3 Tinh hinh du nq cho vay lieu &mg khoch hang cao cap 2.4.4 Cac chi lieu dcinh gia sit phut triln cho vay lieu dung khcich hang cao 42 cap tai Ngcin hang thucmg mgi co phan Tien Phong 2.4.5 Dcinh gid sv phat triers cho vay tieu clang khtich himg cao cap tgi Ngcin hang thtrang mgi co phan Tien Phong 51 CHDONG MOT Se GIAI PHAP NHAM PHAT TRIEN CHO VAY TIED DUNG KHACH HANG CAO CAP TAI NGAN HANG THUONG MAI CO PHAN TIEN PHONG 56 3.1 Dinh huirng phit hien cho vay den clang khich hang cao cap tgi Ngin 56 hang timing mai phis Tian Phong 56 3.1.1 Dinh hufmg phdt triln chung cho Trung tam Khdch hang Cao cap 57 3.1.2 Dinh htrang phut men cho vay tieu dung Khach hang cao cap 3.2 MOt s&giii phip ca ban nhlm phi' triers cho vay eau dung khich hang cao cap tai Ngin hang throng mai a phlin Tian Phong 3.3 MOt so Min nghi 3.3.1 Kan nghj voi Chinh pha 3.3.2 Kiln nghj yeti Ngdn hang nit?, nut 58 62 62 63 DANH MIJC Tif VIET TAT KS, hitt' vitt tit Viet diy di ALCO HOi dOng quilt Ur tai sail Nq - Co CBTD Can be tin dung CIC Trung tam thong tin tin dung CMND Ch(mg minh nhan den CVTD Cho vay tieu dung CVTD KHCC Cho vay tieu dimg khich hang cao cap KHCC Khach hang cao cap NHCN Nem hang a nhan NHNN Ngan hang nhit nuac NHTM Nem hang thuong mai NHTMCP Nem hang thuong mai c6 phan TPBank Ngfin hang thuong mai CO phan Tien Phong TT.KHCC Trung tam kWh hang cao cap USD DO la my VND Viet Nam d6ng Thang Long University Library BAND MVC BANG BIEU, SO D6 Trang 35 Bang 2.1 Doanh s6 cho vay tieu ding khach hang cao cap 37 Bing 2.2 Doanh s6 thu nq cho vay lieu dimg khach hang cao cap 38 Bang 2.3 Du ng cho vay tieu dung Khich hang cao cap 45 Bang 2.4 T6c del tang tnrOng doanh cho vay tieu dung khach hang cao cAp Bang 2.5 T6c deo tang truemg doanh sot thu hoi nq cho vay tieu dung khach hang cao 46 cap 46 Bing 2.6 Vic dO tang truemg du nq cho vay tieu dimg khach hang cao cAp 47 Bang 2.7 Ttc dO tang truemg khach hang cao cAp Bang 2.8 Ty trgng du nq cho vay tieu clUng khich hang cao cap tren du ng cho vay 48 48 Bang 2.9 Nq qua han tren tang du ng cho %ay tieu clUng khach hang cao cap 49 Bang 2.10 Ng xAu tren tong du ng cho vay tieu thing khkh hang cao cAp 50 Bang 2.11 Nq xAu ten nq qui han cho vay- tieu dimg khich hang cao cAp 50 Bang 2.12 Chi tieu yang quay von cho vay So 1.1 Quy trinh cho vay tieu dung khach hang cao cap 30 Su d6 2.1 Co cau t6 chic cent Trung tam khkch hang cao cap So d6 2.2 Phan nhOm khach hang cao cap tai Ngin hang thucmg mai co phan Tien 32 Phong LOl MO MU Tinh cap thiet din de tii Trong nhOng nitm vira qua, Viet Nam da trai qua rat nhieu 'Mang thay dOi nganh ngan hang thucmg mai Viet Nam Tir Siang phat tries vuort bic cho ten cuOc khimg hoang kinh 4, nhang thay deti ye co car he thOng hay so sap nhop cim mOt set ngan hang thucmg mai Cho hid died diem hien tai, thi the ngfin hang throng mai di timg btrac on djnh tra lai vi dang din liy lai vi the ciut minh tren thj truremg Veri bit cir quic gia nito ding v.y, di kern voi sq phat tries kinh to luon co sq tin tai va dang gap dm Milt Arc ngfin hang CuOc sing cane hien dai van minh thi cang phat sinh nhieu nhu cttu sir (long cac djch vo ngfin hang Song song veri str phat tries ve mit cong nghe hien dai, co sa tin vOng chic, nhieu NHTM ding citng chi hon teri cac sin phim djch vo, luem da clang h6a va phat trier 'Meng san phim phis hqp, den ich cho moi deti tuong khach hang Tir truerc thi nay, host dOng diem hlnh cim the NHTM loon 1a huy ving yin vi cho vay Ichich hang Doi Urging khach hang chia lam hai nhOm chinh la khach hang doanh nghiep va khich hang ca nhan Trong thoc te, nhom khich hang ca nhan thtremg chiem tjr tong nh6 hon so vai nhom khach hang doanh nghiep viec thim djnh, phfin tich khach hang ca nhan ding kha don &an va nhanh cheng Chinh v i v y cac NHTM thuang it MI tam tai nham dOi tucmg khach hang Tuy nhien, tir nhOng narn 2009 ter lai day, anh Wang ciia cac ngan hang ntrac ngoli link we khai thac va phat trien doi tuqng khich hang ca nhan, dic bier huang teri phat trier' thorn cac 'ditch hang cao cap, da litm anh huang phin nao teri quan diem truck day ye deii Urging ldulch hang ca than cum cac NHTM Viet Nam Has theo xu huerng d6, cac NHTM Viet Nam da vo hinh btrac vio cuOc Qua gianh thj phin a phan kink khach hang ce thu nhop cao, khien cho thj trtamg sin phim danh cho Ichich hang ca thin trer len phong phu, s8i dOng va duqc tru him rat nhieu La mOt nem hang fro, Ngin hang throng mai co phlin Tien Phong bon duce gin lien yeti hinh anh ning dOng, tre trung, sang tao va nits bit nhanh cher% moi xu the, bi'en demg cum thj truang Ke tir khai Mem khach hang cao cap duqc deri, ngin hang Tien Phong la mOt so nhemg NHTM Viet Nam du tien trien khai an phat trier nhim teri nhom doi tutyng khach hang Tuy nhi'en, la mOt nem hang tre, din vito giai down nen kinh to c6 nhieu hien dung, phin nao da lam inn huang tai so phat tries the san phim KHCC cM ngan hang Nem hang a dinh huemg r8 viec tich biet KHCC yeti khach hang a than thong thurtmg, the djch vo, chinh sach phat then dang ngity mOt holm thien Nlumg mang sin phtun dank cho KHCC chua thoc so nil Thang Long University Library bit, NHTMCP Tien Phong mai dAy mph mang huy dOng tien gui tir KHCC, chin thvc su quan tam nhieu tai sin phim cho vay, nhAt 11 sin phi'm cho vay tieu dung KHCC chua not bat va hieu qui cho vay khong cao La sinh vien nganh tai chinh ngfin hang, bang nhfrng kien thirc da tich trtrang va nhitng thuc to da hqc duqc su6t qua trinh thqc tap tai Nan hang throng mai vi c6 phAn Tien Phong, em da chip de tai: "Giii phip phat hien cho vay tier ding khach hang cao cep tyi Ngin king thtrang mai A plan Tien Phong" de Tarn de tai cho khea IS tot nghiep chuong trinh dio to bac dal hqc cua minh Myc den nghien cut Th6ng qua qua trinh nghien cum, kh6a luan tap trung lam re ba nine tieu sau: —He thong lai co sa 13% luan ve cho vay tieu dung khach hang cao cap vi pith Olen cho vay tieu clUng KHCC nem hang throng mai — Phan tich, lam it thqc host dOng cho vay tieu dAng khach hang cao cap va phit trien cho vay tieu dimg Ichich hang cao cAp tai Ngan hang throng mai co phAn Tien Phong giai down nam 2012 — 2014, to tim nhOng han che can ton tai vi nguyen nhan tha han che — 13cra tren co sa the han che vi nguyen nhan cern han che, die tai se tim mot s6 giai phip co bin nham phat then cho vay tieu clung khach hang cao cap tai Ngfin hang throng mai c6 phAn Tien phong Dili turfing vi phym vi nghien cur —Dli tuvng nett& am Cho vay tieu clang khach hang cao cap vi phat then cho vay tieu dung Ichich hang cao cap ngfin hang thucmg mai —Philltt vi nghien caw cho vay tieu dimg vi phat trim cho vay tieu dimg khich hang cao cAp tai Ngan hang throng mai co phAn Tien Phong giai down nam 2012 - 2014 Pinning phap nghien cum Kh6a luan tap trung sir dung the phuang phip nhu sau: —Phuong phdp thing kJ: khea luan se thu thap nhang s6 lieu ve cho vay tieu clang tai TPBank giai down nam 2012 den nam 2014 vi ding the phtrang phip khic de lam reo den ttrqng vi muc tieu nghien circa cart de tai — Phuong phdp so stink: chra theo the thong tin, s6 lieu da thu thap duqc, khea luan se xay dung, so sank the khoin muc theo tang thai ky, nhim dua nhtmg than xat vi so, bang bleu cho &rig nOi dung phan tich cp the — Plurang phdp phan tick tong hpp: (Iva tren nhang thong tin thu riha'n duqc de phial tich nhOmg ten tyi dm don vi, tir dua nhang giai phap dm de tai Ket cau kilos lun Ngoai leri ma dau, ket Wan, danh myc cac tir viet tit, bang bleu, thi, ket dill cua kheia luAn bao gem: Chuang 1: Co sely lap chung vi phdt triin cho vay lieu dimg khdch hang cao cdjp nein hang tinning mpi Chuang 2: Thy phat trim cho vay lieu ding khdch hang cao cdp tpi Ngdn hang durcrng mpi c phin Tiin phong Chuang 3: mpt so giai phdp nhim phat trim cho vay lieu ding khdch hang cao dip tpi Nebn hang Luang mpi phi?: Tian Phong Thang Long University Library 2.4.5.2 Han the tan tai Ben canh nhieu tuu tien b6 da dat duce nh&ng nam vita qua, TPBank van ten tai nhing nhi-mg han the nhat dinh ve ding tic thvc hien quan tr1 cho vay tieu ding KHCC Doanh so cho vay tieu ding KHCC nho, TPBank chua thvc str khai thic het duqc nguen Ivc dang co de phat trien san phim, cac doi tuovg KHCC chua &roc khai that triet de, Iqi nhuan dem lai cho ngan hang han hcp Dv Kt cho vay tieu ding KHCC thiip, icing du no can thap, da c6 nhieu dieu chinh nhtmg chinh skh cia TPBank chua thvc sir lam san pham hip dan thu hitt KHCC vay vein tieu ding Cac chi tieu nq xau, ng qui him cao, san phim chua duqc toan b6 cac doi Wong KHCC sir dung, hiu het la KHCC curt nhim thi ba Trinh dO quan tri rui ro ctla CBTD thip 2.4.5.3 Nguyen nhtin ctia hgn the Nguyen nhen khgch quan: Nguyen nhan tir phia mei truemg, chinh skh kinh to va cong tic giam sat tit xa cua NHNN: cac dinh hut:mg phat trien cim NM nuErc thuang xuyen thay dei, die'u chinh co chid chinh skh la anh hue:mg den toan bi) nen kinh te Cac van ban phap lust ve tai san the chip can nhieu bit cap NHNN chtra khic phuc duqc cong tic giam sat tir xa va tra tai ch6 (tic la tri hoot ding phan tich va giam sat lien tic qua mang may tinh dig von tat ca TCTD hg thong ngan hang) Mat khac, cling gitmg cac NHTM khac TPBank chua quen trao doi thong tin ve tinh hinh KHCC cho cac ngan hang ban bog 15, canh tranh nen den h'e' thong thong tin tai trung tam tin dung NHNN (CIC) chua dap img duqc nhu au cua ngan hang Tinh hinh kinh to nherng nam via qua cis the giii not chung va Viet Nam not rieng hit sic am dam Nam 2012 la mgt nam thvc sv kho khan veri doanh nghiep Viet Nam Nhing bien dang kinh ti toan cau khien cho thj truing bi thu hop, hang ton kho tang cao, Tinh hinh van kdo dai va phin nao lam anh tiring kinh to cim nlim 2014 Hoat dOng cac ngan hang gap nhieu kh6 khan, no xau cao, tang truing tin dung toan he thong thip Cac chucmg trinh tong tam dm he thong ngan hang: tat co cat' va xi IS, no xau co tien trien nhung cham, chua to chuyen bien tich cvc Trong thvc to hien nay, ding tic cho vay tieu ding KHCC dang bi dOng viec cap nh#t thong tin tir dti arcing cho vay, ngu6n got thong tin chi yeu dva vio he so vay von, uy tin cim KHCC tren co chang nguisin thong tin flan hang cling chi la tong quan khOng duqc chi tiet cu the nen tinh chinh sac, khoa hoc va Ichach 52 Thang Long University Library quan nhieu han che Do vay nguen thong tin thu thap dirge de danh gia va dua quyet dinh cho vay la thieu chinh xac lam gilm Igi nhuon va hieu qua ;Ong tic cho vay, gay ng qua han h mat cao Nguyen nhin chu quan: Do viec ty tai cu ciu ctia TPBank, cung veri viec TT.KHCC non tre ve kinh nghiem quan 19, be may quan ly can chua ket nei ding be khoa hoc lien ket theo chieu dgc vi chieu ngang nen phat sinh kheng it kh6 khan phoi hgp quan tri dieu hanh tang cac din m61 trung gian gay lanh phi thin gian, giam thieu hieu qua ding tic cho vay tieu dimg KHCC TPBank chiral c6 chien Wet titian trj riii ro link vyc cho vay tieu ding KHCC cia TT.KHCC mang tinh daft hen Trong me hinh quart tri ngfin hang hien dai, viec xay dung met chien 'vat quan tri rai ro king the mang tinh dii han eking vai tre quan tang viec dinh huOng hoat Ong dm he thtng quan ly rid ro, dim bao he tilling hog dOng hieu qua vi dot dirge nhfrng 'nue tieu de D6i vai TPBank hien nay, chien lugc quail tri rid ro dang dirge king vao met se van ban quy the hoot dOng va cac van bin quy the ve chin nang nhiem vu cua cac pheng ban Mac de vay mot chien lugc king the, chinh thirc chuan hem cho TT.KHCC van chin dirge ngfin himg xay dung, alp dung vi phi) hien rong rai he thting Quy trinh cho vay nhieu hen hcp: Quy trinh cho vay bee 10 met s6 han che va chua thin sr dirge thuc hien nghiem ngat, day du tai met se pheng ban kinh doanh KHCC cua TPBank tai chi nhanh Tai TPBank, CBTD la ngu&i tim kiem khach hang, phan tich dinh gia khach hang, trinh duyet cho vay, kiem tra cho va sau cho vay Trong quy frith cap tin dung tai the ngfin hang tien tien la met eau trite c6 tinh he thing de nhieu nguei ding tham gia vi can b0 chu chit tham gia vao mot hoac met s6 khau tic nghiep de chuyen sau vi giam thieu rui ro Vai quy trinh hien tai, CBTD cua TPBank phai lam nhieu vie; vay mac de chuyen sau vao timg nghiep vu rat khO Khau kiem tra sau cho vay chin dirge thin hien that nghiem talc Trong theri gian vira qua da c6 nhung don vi phuc vu KHCC vi pham quy trinh cho vay ma ngan hang phai xir 19 MOt s6 quy trinh khong quy dinh sir ph6i hap gala cac be phan lien quan cac khau c6 nhieu 130 phan ding tham gia quan ly nhu khau quail ly TSDB hoac ban hanh van ban nOl be chua kip thai ca sir thay &Si cac guy& dinh cua ALCO, HOi dang tin dung Cling tic thim dinh chua duet they hien tit: Viec tham dinh cac dieu kien vay v6n, h6 so vay vent cua khach hang thi hog dOng thu thap thong tin khach hang dm can be tin dung nhieu han cht, mang tinh chu quan nhu: t& trinh tham dinh so sii, chin lam rb nguyen nhan sr bit hap 19 gift cac he sa, &Ay to khich hang cung 53 cap, hqp clang dau vao theo phuong an kinh doanh cua khach hang da` hieu lye nhung khach hang chua be sung Hqp vay von meri hoOc 1(9 Phu lye Hqp ding vay win gia han uteri gian thut hien hqp ding, hoac TO trinh chua phan anh day thong tin MOc dit vay, cac khoan vay van trinh len de xet duyet lam kh6 khan, mat thdi gian cho ding tac them dinh cua cac be phOn chuyen trach clan den c6 the dua cac quyet dinh cho vay chtra chinh xac lam anh htremg Ian den ding tac quan to ngan hang cling nhu lam giam bleu qua hoot deng cho vay Cling tic bio dim tan vay xiy Mau sai sot: Cong tac van ton tai viec chua dive hien duqc day dii quy dinh can thiet de bao dam quyen lqi cho TPBank neu Mn that xay nhu: Sai set k9 ket hgp dang the chap hoOc chua hoan thien thil We the chip dan den hqp deng the chip khong dam bao quyen lqi cita TPBank nhu hqp ding chua Gong chimg, chua xac nhan dm dun vi phat hanh tai sitn dam bao (vi du: STK dm ngan hang khac, ) Hqp deng vay tieu dung co TSDB chua dam bao day du nghia vu tai chinh cua KHCC Cac hqp thing vay tieu thing co TSDB chua quy dinh re ben the chap (ben thin ba) the chap tai sin de dam bao nghia vu dan sg cim ben nio (ben the chap hay ben vay vim) hoOc cling khong chi re TSDB se dam bao cho cac hqp dang tin dung nio Giii nein vi kiem soit sau cho vay chua duct dim bio:Chat !mpg cong tic kiem tra sau cho vay tieu dung KHCC chua duqc dam bao, chua kiem tra day du nwc dich sir clung yen, ho0c noi dung kiem tra chua cop nhOt duqc tinh hinh tai chinh cua KHCC, c6 the chua kip than phat hien the dau hieu xiu, bit thutmg hoat Ong kinh doanh cua khach hang, dan den rui ro cho ngan hang qua trinh thu hoi nq vay tieu clang MOc du is xAu dtrqc tri dueri 3% nhtmg van cao Ty le nq qui hart chuavuqt qua 5% nAm gin day, hieu qua cho vay tieu ditng KHCC cita TPBank da c6 giam sin Ngan hang dang phy thuec vio viec co cau lai cac khoan nq giam nq xau Dieu se &Up cho cac khach hang giam ap lye ve khoan nq den hp nhung lai lam ngan hang tang nil ro mat von ham Cin b# tin dung can tri, thiati kinh nghitmHiu het CBTD dau can rat tre ma dei tugng KHCC deu IA nhang ngtrei c6 nhieu kinh nghiem ve mat ki'en thirc tai chinh nen dem lai Icha nhieu bat lqi cho TPBank CBTD cua TT.ICHCC van thieu kinh nghiem viec cap tin dung, chua barn sat tinh hinh thgc tE, c6 str e ngai quan h4 tin dung vai KHCC Met WO can b0 Hun viec lau nam thutmg lam viec theo 54 Thang Long University Library kinh nghiam nen it tim hiau va cap nhat nhftng thay al cua kinh to thi trtrOng, trinh di, va using ngha han cha Trong qua trinh cho vay, nhiau CBTD thiau kha nang phan doan va chin co each nhin toan din va hiau qua num te, toin din va khoan vay fiat' dung KHCC, nen chi xoay quanh cat TSDB mang tinh true din lam anh huong an hieu qua cua hoat (gong cho vay tieu ang KHCC Pham chit dao dire cua mot s6 CBTD suy giam lam gia tang rui ro cac khoan vay fiat' dung KHCC, gay anh hu?rng den Icri nhuan, uy tin cua ngan hang 55 CHUONG MOT SO GIAI PHAP NHAM PHAT TRIEN CHO VAY TIEU DUNG KHACH HANG CAO CAP TAI NGAN HANG THYONG MAI CO PHAN TIEN PHONG 3.1 Dinh Mr&ng phit trait cho vay tau clang khich hang cao cap tai Ngin hang thirang m0 phis Tien Phong 3.1.1 Dinh hurfng pluit Min Chung cho Trung tam Khdch hang Cao cap Trong nhitnn ram tfiri TPBank tiep tic xay dung vi phat trien cac sin pham dinh cho KHCC da co, kenh phan phEi da ding teen nen tang ding nghe cao phir hqp voi nhu cau cang cao va pink tap cua KHCC Xay dung mOt chitin lugc re ring de phat trien sin pham cho vay lieu dung cho timg nh6m KHCC DEng tiled phat trien cac loai hinh sin phim dich vu dac tang, da dang tien ich gin lien voi nhu Su cac nhom KHCC khac Trong boi cant% thj truang KHCC dang maxi tai Viet Nam va trinh dO cling nhu kinh nghiem chain sec KHCC ctia TPBank non tre, nen mulin thoc hien cac dinh htrang tren TPBank can phai xfic dinh cac yeu to sau: Xay dung quy mo dn Ion de thvc hien cac Iqi the chi phi, hinh anh, uy tin va thi phan KHCC, dEng thin lay dung bO may quan ly him hieu tren nen tang phlin quyen co quail 19 vi tao dong tinh than lim viec d'Oc Ifip - phiSi hqp top the Thvc hien chinh rich nguEn nhan Ivc nang deng, thvc hien tuy'en chon dao tao va diti ng0 tren ca so ket qua ding viec, kel hqp m6i fruiting phat trien ngh'e nghiep tau dai ding, Hi'en dai hoa cong nghe, tao diEu kien thuin lqi cho CBNV lam viec nhanh cheng, dEng died tao co sit cho cac sin phim maxi dinh cho KHCC phat trien Tang cuang phat trien nhieu sin phiim dich vv cung cep cho day du nhom KHCC khk nhau, tir nhom khach hamg Sieu cao cap teri nh6m KHCC tie'm nang, thy theo timg thin ky va chitin law kinh doanh ma tap trung vao tang nhaan d6i Wrong nhat dinh loin thien bO may hoat dOng cua Trung tam KHCC de khong ngimg nang cao uy tin d6i voi KHCC Nang cao chit lugng phvc vv, dinh k9 dao tao va kiem tra trinh dO nhan vien ding nhu cac CBTD de dam bao nhan vien cua Trung tar' n KHCC am hi'eu het ve san pham, dich vu, dip img day du chinh xac mai nhu cau ve von vay cling nhu nhu eau girl tien cua KHCC Truyen thong vi dint vio sir dung mvc Ngan hang Cao cep tren website chinh thik cua TPBank www.tpb.vn, de tao sir thuan tien cho KHCC co nhu a 56 Thang Long University Library cAu tim kiem thong tin co ban ve sin phAm cling nhu dia diem giao dich thuon tien, va ding mOt phin de truyen thong, thu but KHCC mai den vii TPBank vi sir dung dich vu KHCC 3.1.2 Dinh hwang phat Wan cho vay lieu &nog Khdch hang cao cap Trong tiled gian tai TPBank chit ham nr a vio phat then cho vay tieu dung KHCC ket hqp vii cac dich vu tien ich khitc Want tao dieu kien thuan lqi nhAt cho sin phAm phat trien Berl day la san phim so lugng KHCC vay it, nhung quy me cim moi khoan vay lai Ian, nen mang lai mgt lqi nhuon on dinh cho TPBank Hon nUa, thi tnrimg KHCC mai me, nen van co tiem nAng de phat trien va ma rung nhUng nAm tai Val mite tieu nam top NTHM di diu ve chAt lacing san phAm cling nhu dich vu dinh cho KHCC, TPBank dua nhang chinh sach phat trien phu hop de sin phAm cho vay tieu dung KHCC phat trien nhu: Guam lAi sat hoGc dua cac mac Ili suit uu dRi ttrcmg ling theo them KHCC ma TPBank di phan chia, xem xet cap han mire vay tieu dung pha hop vii kha nAng tii chinh Ichac cua tong KHCC Cung cAp them nhieu sin phAm dich vu yeti nhieu sr Iva chon cho KHCC de d4t nu, tieu ce lAi suit thap, tang bao hiem cho Stang KHCC vay lieu clang, tang hart mire cAp tin dung, trim Final nhieu han hinh thirc cho vay tin chAp, Ngoai ra, TPBank nen c6 dinh huong cho vay tieu dung dinh cho than than KHCC, cap han mire theo tang &Si Wong ngueri thin, dk bie't Tatung khich hang la dm KHCC, beri day la nhem khach hang tiem niing, nhu cAu chi tieu 16n vi thuong xuyen, nh6m khach hang tre Bang ce nhieu nhu cAu vay chi tieu phuc mua sAm, sinh hoat bing hinh thirc tra gep hang thing va khong can tii sin dam bao Tiep tic tri cac m8i quan he cho vay tieu dung vii KHCC truyen thong, ben earth tim kiem va phat trien KHCC meri Dam bao chit Itrong cac khoan vay tieu dung KHCC luon a mire cao vi hob thien san phAm cho vay tieu dung KHCC, giup KHCC &Km hinang dAy dpi lqi ich to sin phAm dich vu cua TPBank Da dung has cac sin phAm cho vay tieu dung KHCC, chit vao cac sin phAm vay c6 dO rui ro thip nhu cho vay du hoc tai nuac ngoai hoAc cho vay chi tieu qua the tin dung, Thvc hien nghien cau va phan loai nhu au khach hang theo ba nh6m khach hang Sieu cao cAp, khach hang DAc biet va KHCC tiem Ming, de tae thong tin nhim dua sin phAm cho vay tieu dung mai phir hqp vol thi hien, yeu cAu cua tong nh6m KHCC va de cac chinh sach cling nhu yin de an luu y cho vay tieu dung, dap ling nhu cau cang lap va da clang cua KHCC 57 Tang cuting cong tic truyen thong, quang cao, Uhl thi san pham cho vay tieu dung KHCC tren cac phucmg [Fen truyen thong dai chting nhim thu but va phat trien KHCC mei den v6i TPBank Val nhfing dinh huemg dung din, di kern v6i ke hoach re• rang se giftp TPBank phat trien san phim cho vay tieu dung KHCC Mt hcm, trer ngfin hang than thiet va la sv Iva chon tru tien cua KHCC 3.2 Wit so giii phip co bin nhim phit trien cho vay lieu dung khich hing cao cap tai Nein hang Hwang mgi co phin Tien Phong (1) XIV drag chien hrtrc kinh doanh cg the Wit ngan hang khong the thu but duqc KHCC nett nhu khong hieu KHCC can gi, nhu can KHCC la the nao KHCC la nguEn mang lai gia tri lgi nhuan Ion cho NHTM, chinh vi the viEc xay dung rieng cho KHCC mgt chinh sach riene la can thief, nen co nhang chinh sach danh cho timg nhem KHCC vay tieu dung cu the, ap clung cho timg dEi ttryng, cho nhOng KHCC co giao dich thuerng xuyen va KHCC ce) gian dich lin dAu Viec phan chia va Lich bit ro ve chinh sach nhu vay se gitip KHCC thAy duct nhieu Iqi ich ham sir dung san phim cho vay tieu dung ctla TPBank Lai suit la cong cu nhay cam nhit, ben KHCC deu gieng khach hang ca than thong thutmg khac, moi quan tam hang diu la Ili suit KHCC phai tra IA bao nhieu cho m6n vay cua mirth Do do, can co chinh sach lai suit phu hqp vira thu but KHCC vay tieu dung, vira tao lqi nhuan cho ngan hang Chinh sach uu dai ve lai suit nen doge danh gia theo ding nh6m KHCC cu the, tang nh6m KHCC nen xep loaf khach hang theo cac hang: hang gold, hang titan, hang platinum, de co the ap dung mirc lai suit phit hqp Xa'y dung hE thEng chim diem KHCC to dEng, can dr tren he thEng chain diem va hang KHCC, se co ink Ili suit tuang ling DEng thai neu KHCC dirge xep hang cao, co quan hg tin dung tat yea TPBank niim, kh8ng co nq kith del tai TPBank va TCTD khk, thi se dirge giam mitre !Ai suit, cap han mire cao DEng then, de KHCC duet xep hang chinh xac, thi TPBank nen you cau KHCC cung cap thong tin day trung thvt, chi tiet theo tong nhu eau vay tieu dung, to se co lqi cho ca KHCC vay tieu dung lin ngan hang HE sa vay tieu dung dun gian, nhanh chang, ngfin hang phai dam bao dirge the thit tut ve vay tieu dung don gian va thuen lien nhAt cho KHCC, de nhanh thong dap ling !Thu au vay von elm KHCC dang an vay gip, han mac tin dung cao, cling vei than gian vay linh hoat 58 Thang Long University Library (2) T#p trung phit then numg luoi phong giao dich dinh cho KHCC tai Sc thinh phO 16.n Ma rang mang lutri phOng giao dich la viec ma ngan hang nao cling main huong Tuy nhien, clic tinh cua thi throng, nen nheorn KHCC cling thirtmg tap trung the ph6 ltm, TPBank luon c6 ging tim hieu va nim bit r8 thin quen dia ban sink sting cua cac nhom KHCC phat trien he thong giao dich dung nai, dap ling nhanh thong nhu au giao dich cua khach hang (3) loin thi#n danh myc Sc san phim cho vay den ding KHCC Ngay nay, thu nhop ciia ngutri din tang len, s6 itnyng ngtrtri co thu nhip cao ding tang, di kern vei str d&i cua nhieu t6 chit tin dung, ngan hang, thi viec so sanh va danh gia sv phat trien san pham cho vay tieu ding KHCC gitia cac ngan hang vol la dieu khong tranh khed De giu duqc khach hang, thu but them KHCC mai ding thin co the canh tranh vol cac nglin hang khac thi viec hoan thien va nang cao chit hicmg san phim cho vay tieu ding KHCC la met viec can thiet vtri cac ngfin hang not chung va TPBank not rieng (4) Nang cao chat tuning ngulin [then Iwc ciia TT.KHCC Den yea nganh kinh doanh dich vu dac thin nhu ngan hang, thi chit Itrqng dOi ngti nhan vien la yeu to quan trung quyet dinh sac manh cua t6 chic Trong qua trinh giao dich true tiep tied KHCC, CBNV chinh la met yeu t6 de KHCC danh gia ve chit Itgmg dich vu khach hang, KIICC tie!) xfic yeti nhan vien, mqi thai de, phong cach lam viec dm nick vien anh hang quyet dinh den hinh anh va uy tin dm ngan hang Vi vay, vol kien thirc, kinh nghiem, thai dO phuc vu, kha rang thuyet phut khach hang, ngoai hinh, trang phuc nhan vien, co the lam phat trien dich vu hoac lam giam skr phat trim dich vu Hien nay, vtri sv canh tranh cua ca ngan hang va ngoai nutrc tai Viet Nam, trinh dO cong nghe va san phim hAu nhu !thong lathe biet, cac ngan hang chi co the nang cao tinh girth tranh bing chat Itnyng phuc ctia del net nhan vien, chit Itrqng nhan vien cling cao thi lqi the canh tranh cita ngtin hang cang 16n Do do, de tri va phat trien quan he yea KHCC hien tai ding nhu KHCC trung lai, TPBank an nang cao chit luqng dOi ngu nhan vien ctia mink, dac biet la nhan vien cua TT.KHCC nhang ngutri thuOng xuyen tiep xic va ban sin phim cho KHCC (5) Tang arecng cling tic huy dOng yen Voi NFITM, de thvc hien hoat Ong cho vay tieu clang KHCC co hieu qua, nhiem vu quan trung dau tien la phai huy dOng duqc nguon yen clei dao tied chi phi thip de tri !chi nang Ichoin va dem lai lqi nhu$n cao nhit cho ngan hang Hien nay, 59 TPBank c6 ngu6n von tang truemg on djnh qua cac nam, nhien viec ma rOng nguan von tir KHCC !non la can thief de ngan hang c6 the phan img nhanh nhay tank nhimg bien doing kh8ng the du bao cua thi trutmg De tang culyng cong tic huy doing von KHCC la nguton tai trq cho hoat doing cho vay KHCC noi chung va cho vay tieu dung KHCC not nang dine nhu cac hoat gong khac cua minh, TPBank an chit doing thqc hien mot so bien phap: Thir nhat, nang cao nhAn thirc ctia can boi nhan vien ngen hang ve tam quan trnng cua cong tic huy dOng vein tir KHCC nhim phut vu mOt each nhanh chung, chinh xac, kip thin mqi nhu cAu giri tien cua KHCC Titter hai, tiep can the KHCC meri, tiem nang cho ngan hang ye sau, dua nhOng tin dal khuyen khich viec ma the TPBank NhCrng uu dal cho KHCC mer the day huang tai nhCmg lqi ich thqc sir ma KHCC dang can nhu: bio hi'em tien girl, gal bao hiem du Itch toan cAu, lien ket veri cac san Golf de KHCC duqc giam gia choi, king djch vu sir dune the Visa dm TPBank de toan cac dich vu tai san Golf, Thir ba, da dung beta ki han girl tiers: dtra !Neu loai that han khac (v6i mut lai suAt ttrcmg img), cho phep KHCC duqc lira chon ki han bAt ki gi6i han ki han tai da cim ngin hang, dap img nhu cAu ctia cac d6i tuqng KHCC khac Thfr hr, chimg khoan has cac loai tien gut Hung va dai han de ngu&i so Mu co the chuyen dui an thiet, gitlp ngan hang co the nang cao tjr tong ngu6n von trung va dai han Thir ram, ap dung cac chinh sach uu dai de da dang h6a cac loai tien giri tiet kiem: tiet kiem tu6i gia va tiet kiem tech lily (tiet kiem nhan tho) Thu sau, tang ctrong dAy mph cong tic marketing, nghien cfru KHCC, quing ba hinh anh TPBank den khong chi KHCC ntrerc ma ca KHCC nut ngoai (6) Ning cao chit liftrag cong tic thim djnh vay DE giim thieu den mire thip nhAt nhfrng khoan nq xAu va co the dua quyet djnh phu hqp, ngan hang an dAc biet chit trqng den cong tic thAm djnh quy trinh cho vay tieu dung KHCC cua minh Hien nay, TPBank ming dang thay din theo huemg chuyen m8n hem cao cac khau quy trinh cho vay Ngoli ra, nam 2014, TPBank cling da thqc hien chuyen d6i m8 hinh tin dung, Lich rieng b0 phAn quan he khach hang va b0 phAn thAm djnh, quyAt djnh cho vay nhim tang cuerng kiem soat rut ro Tnrerc dai hai ngly tang cao nen kinh to hien dai, TPBank cling can chit Sr them mOt s6 giii phip: Thu th(ip vi sir dyng thing tin train bio chi phyc vy cling tic thim djnh thong thong tin tin dung chtra dap Ung day KHCC vay von: Tank thqc to he 60 Thang Long University Library ding Sc tin dung 661 WM mot ltrqng thOng tin m6t town din ton till viec thu thap thong tin ve KHCC va moi twang diu to tin dung thong qua bao chi la mot kenh thong tin can thiet va c6 nghia thiet thoc MOt s6 giii phip tarot mit can thap, sang We va xir 19 nguen thong tin tit bao chi; -, thiet ng thoc hien: xay donge he sir amo dung he then! thong tin tree bao chi cho can ba tin dung quan thong tin bao chi nhim cap nhat, narn bat kip thin hoan thien ky na v vtri m ot so co tap mhi thong quan 114 nhang tin lien quart den KHCC vay von tieu dung; dung nuac khoava hqc n bao img chi baoding chi t nghe hien dai song cap nhat thong tinptir nhieu pharkhfich hang Sieu cao cap, co the dung voiAn riltem chi de de a ntrac, vai miii h6 so vay vim, KHCC nutic ngoii Tieu Nha chinh va mac da uy tin cila mirth, la cfic lanh dao cap cao don vi HCSN dm Si can phai co day dit giiiy Vs de chirng minh nguon thi ngin hang mai xem xet cho KHCC vay Val KHCC Our bi) truerng, "tit trutmg thi p giay to lien quart den viec 66 nhiem chin vu la 'chi ca hal lchich hang cung viec moo,vivi thtri gian gap cac del tuqng khone nhieu, ngan dig h6i khich phirc neu tap va ten hang thin gian, se c6 lcha they hucmg phip hang cung clip nhie'u giay ta se lam hg cam nang lam cho Ichich hang khong mute vay vim nitre Chiral vi the,vap then gian KHCC guy& giiip CBTD them dinh nhanh chtmg thOng tin xic thoc ve chile vu gian cita ca hai ben, nhanh thong thim dinh va ngin thin dirge be? nhiem, rig lam h Nang cao hi4u qui ciia tong tic kiem tra, kiem soit: la viec thiet va quan acmg, can dam bao kip that, thubng xuyen Wham de phang, rigan ngira vi xir 19 kip thtri, chinh xic nhang hien ttrqng c6 the din den Si ro hoat dOng curt m , glim sit sail cho vay Thit MO ughiam tic &ig tic thim dinh KHCC, TPBank cang can chit acing (7) nhang Si ro p kip thin Ben canh viec twin thien ding KHCC da hut hien nhang c6 the ngan chin sat sail cho vay tieu dung KHCC kiem era, gin von dm mirth Viet lam khong ma co the g iim nem c6 the xay den cho khoin d6 sir dung tin vay kitting dung moc dick eita KHCC c6 nhang bi4n phip duqc dinh duqc dais hieu dm cat khoin vay c6 van de, tit n that ce the xay Cong Sc kiem tra C4 hang xac to ca xir ly can thiet, han the den mac thew vao nhang s6 lieu, bio cao KHCC cung cap ma can ) ngan hang den tint hint Si chinh that to cita KHCC Om sit lchong nen chi du chinh cliraeri ngu bao loo tie dot can bk Si so kiem tra tau sem dim bio, hay nang !tic Si thug to dm hien trang (trong trutmg h bito dam la bio lanh cita ben this ba, thutmg ap dong cho KHC ngan hang ►kii tra nhem KHCC tiem cling) (8) Gill phip x* 19 nq xiu, nq qui has 61 thuoc ghi nhan skr gia tang ve quy mo nq qua hart, nq Au Giai down nam 2012-201 cila ngan hang De timg buec xir 19 no Au met cach ben yang, han the nq xau gia tang nham khoi thong dOng yen cho minh, bio dam an town host deng ngan hang, thitc day tang twang tin dung vi trq von tich cvc cho nen kinh te, met se gill phap sau day can duqc trien khai: Chit deng phed hop vol KHCC vay tieu dung de co au no, elan then gian tra mac gi nq va xem xet giam Iii sat met each hop 19 cho KHCC c6 khO khan vuOng viec tra no Tang cueing trich sir dung du phOng rid node xir 19 no Au theo quy dinh cua phap luat (9) Doi mai Win then cu the dai nge minh bitch Hien nay, van de canh tranh nguiin nhan lye chat Wong cao dang dien nely chi man chit xim dugc de cap den nhu met tit yeu cang gay git, va hien tuqng minh back, ximg ding veri khach quan nhtr ngan hang kh8ng c6 chE de dai nge nang lvc va mong muon cita nhan vien cita ngan hang", rc mph 11 gia tri cot ts Viii pinning cham "Nguen nhan I nam 2014, TPBank da then khai thvc hien co the Wong med vi thOng cac chi tieu dinh gia hieu qui cong vi'ec (KPIs), dam bao chink sich thu nhap minh bach, cong b&ng; tiep tuc nghien ciru vi ap dung cfic chink sach phitc loi moi, dac bier Li chink sich v'e bao hiem nhim hoin thien vi ding cao the di) dai nge, tao di'eu kien cho ngtrei lao dOng phin dais thin tam lam vies vi cong hien cho TPBank, tuyen duong deng vien khen thtremg kip then tai don vi Ichoi day minh me niem hio caa toan the can be nhan vien, phat huy nhieu sang kien cal tien, nang cao nang suit lao &Ong 3.3 Met so kien nghi 3.3.1 Kiln nghj viii Chink phii Khi khitng hoing kinh to xay ra, sv chung lai cita nen kinh dang it nhieu anti huOng den thu nhap cita ngtred din vi ngugc lai sec mua cita nguai tieu dung giam thi kho duqc nen kinh tt Chink vi vay Chinh nen trien khai mph me chit trtr vvc day among kick cau nOi dja yeti cite chuong trinh nhu "nguOi Viet Nam uu tien dung hang thuong mai thvc Viet Nam", met nhCmg !nen phip kick the ngan hang hien cac chtrcmg trinh ho try cho vay tieu dung tra gap bang hinh thirc tin chap vOi lai suit uu dai Nhu vay, chink phis visa (kit dirge muc tieu tang trueng kinh to vi ngin hang ding dirt dirge muc tieu tang throng tin dung cho vay tieu dung KHCC Can c6 sir phan quyen re, rang, can xic djnh rO trach nhiem va quyen hart, nglik 62 Thang Long University Library vu doi yea cac ben c6 lien quan Day nhanh hen dO cep giAy chung nhan quyen sir dung det, tao lieu kien cho giao dich dam bag tien vay cim KHCC Chinh va NHNN nen c6 chit twang cho phep thank cac cong ty thong tin 't nhang chi diu tich tin ding to nhan hoat dOng song song yeti CIC Day 11 mi? cqc cho vied phat trien tin dung ca nhan nal chung va cho vay tieu ding KHCC rieng Khi thong tin nguesi vay r8 ring minh bach thi cac thit we se thuan (ten va thong thoang hon 3.3.2 Kiln nghi voi Ngan hang nha nut Thir abet, NHNN can tang cutmg cong tic kiem tra, kiem soat nhim dam bio an than hoat ding cim he' then ngan hang: cong tic thank tra kiem sold phai thud hien met cach nghiem tic nhung Ichong lam lath bus:mg den hoat clOng cim NHTM & tai xir 19 re• rang, minh bach va phai duqc thud thi mOt each Cac vi pham phai ca ch chinh xac, cu the Thin hai, sir dung hieu quit the cong co quan 19 den te: chinh sich tien te, lai dOi auk, cho vay tieu dimg, de" cac NHTM them chieu vi dua mire phi hqp cho tuqng KHCC vay Cie cong cu phai duqc sir dung link boat, phei hqp yen va phi hqp yeti nhitng bien dOng cita nen kinh to de dem lai hieu qui cao nhat Thir ba, holm thin vi nang cao chit ltrqng boat deng cua tam thong tin NHNNVN, ca chirc rang thu cho vay (CIC): CIC la t6 chirc str nghiep Nha nu& thugs nhan, hru trtl, phan tich, xir 19, du bao thong tin tin dung, la kenh thOng tin vO ding din vin the Tuy nhien, hien CIC van hoat ding chua that quan tong thieu chua kip su hieu qui, cac thong tinn dua sit vavathisi, gay Ich6 than cho cac Vi the met !tang nhi4m vu can thiet tram mat la hi'en dal hia quy trinh xir 19 thong tin lien tpc tir khau thu thap lua chqn, phan tich, xir 19 vi du doin thong tin de kip thOi cung clip thong tin diy du, chinh xac vi chit ltrqng, hi; trq cho hoat ding cim the NHTM Ding thin m6 rOng mang kith thong tin vi phOi hqp chat the vOi the co quan chirc ding c6 lien quart,giAm thieu den mire thip fillet nhUng ram ro tiem tang c6 the xay cho the NHTM 63 KET LUAM Cho vay tieu dung KHCC la mOt nhting hoat deng dem lai Iqi nhuan lam can rising cao Gong tic cho Ngan hang Mu6n phit triers tot sin pham Ngan hang quin trj, nang cao trinh de CBTD de dim bao ding tic tham djnh cho vay KHCC minh bach vi hiEu qui, quan 19/ sau vay chat the dE gilm nil ro that thoat yen Nang cao hors nua chat luqng djch va de thu hat KHCC dEn yeti Ngan hang, cling tic bao mat thOng tin phii duqc thac hiEn hiEu qua d'E c6 duqc su tin Wang tir phia KHCC Phat triers cho vay tieu dimg KHCC khOng chi li mong muen ctia rieng NHTMCP Tien Phong ma mac tieu lau dal ma nhiau NHTM khic huOng ten Vei suy nghi do, em da chop de tai "thai phip phat triers cho vay tieu dung khich hang cao cap tai Ngan hang TMCP Tien Phong" dE phan nio dip Ung mong mutin Qua thtri gian nghien coy, tim hiEu ve giii phip phat teen cho vay tieu thing KHCC tai Ngan hang TMCP Tien Phong, em nhan thiy tam quan tang cua phit triers cho vay tieu dung KHCC ttrcmg lai Cho vay tieu dung KHCC se co nhieu co Wei phat triers neu cic NHTM co nhang chinh rich hqp 19 cho tong nh6m KHCC, cho vay ngan hang ding tieu &mg se mang lai nhiEu lqi nhuan cho ngan hang nett lanh ciao CBTD thac hiEn tham djnh tot, quan 19 chat the sau cho vay Tuy nhien, ben canh cic ktt qui dat duqc thi Ngan hang TMCP Tien Phong ding c6 met se nhang han the nhat djnh inh Wang Uri sa phit tries cho vay tieu dung KHCC Phit triers cho vay tieu dimg KHCC phii la mac tieu hang dat viEc phit triers Trung tam KHCC cua Ngan hang TMCP Tien Phong Ben canh de ding rat can co sa phei hqp gift cic nginh co lien quan dE Lao met hinh lang yang chk cho Ngi'n hang TMCP Tien Phong phat hien cho vay tieu dung KHCC co hiEu qui nhiEu sai Veld hieu biet co han, lai chua co kinh nghiEm thac to nen bii viet set viEc dua vi lim re cic nguyen nhan ten tai vi tim cic giai phip khic phac nhftng tan tai not teen Nhung em mong rang, nhang gill phap em dua se c6 cho gia trj tham khio doi veri Ngan hang, phan nio dua phucmg twang de phit triers vay tieu dimg KHCC hiEu qui, nang cao quan trj cho vay vi cal thin sin pham cho vay tieu dimg KHCC ccut Ngan hang 64 Thang Long University Library TAI LI$U THAM KHAO Giao trinh Ngan hang thtrcmg mai - TS Mai Van Ban, Nha xuat ban Tai chinh nam 2011 Giao trinh Ngan hang Thucmg mai - NGUT TS To NgQc Hung, Nha xuat ban Thong ke, 2009 Quan tri Ngan hang thucrng mai — GS.TS Nguyen Tien, Nha xuat ban Thong Ice, nam 2013 CQNG HOA XA HOI CHU NGHIA WET NAM DOC LAP — Tic DO — HANH PHiJC XAC NHAN CUA DON Vf THVC TAP Don vj thvc si&AjoineovacHrg, citua- 14, N'oaca- Xac nhfut Sinh vien: Bich Hing Nhung Ngly sink: 07/10/1991 MA sixth vien: A16846 Lap: QB23-05 Chuyen nanh: Tai chinh — Nglin hang Tnremg: DO hoc ThAng Long Dia chi don vi thvc 1133 S 31 book rakifieti ituai +ko - co+ ticauk Icia; TP tta- me DA c6 thin gian thvc tip tai don vj tir ngtly9ithAngratai ngity352.thang9.3 nAm2945 HI NOi, ngny 30 thingOinAm 20.4 XAC MAN CUA DON VII THVC TAP ss cua taf; etiNNL, ono y NGA N HA THONG 41 Co TIER MON (10 ten, (long dclu) 11,- -2-—- -ae GUM 06C TRONG TAM POUCH ItiNG CAO CAP r E IC • • 1016IQUk4 TR! NGU614 NEM LAIC elfin %at& Thang Long University Library gip ,,) nu fird [...]... vay, thu hal va thanh 19 hang' den hqp clang vay Day IA co se cho viec phan quyan trach nhiem cho cac den tugng, bet phon num cho vay va la co so cho viec thiat 10p ha so, the tic vay von Thiit lop ho so cho vay So do 1.1 Quy trinh cho vay tieu ding khich hing cao cap • Guam Quytt Phan Giai sat dinh cho tich cho ngan khoan vay vay vay • Thanh 19 hqp Bong cho vay Itammawinar (Ngu Gicio trinh nghlep vy... 1.1.6 Quy trinh cho vay hem ding khdch hang cao carp Quy trinh cho vay tieu dung KHCC deu dga tren co so, quy trinh quy dinh chung ctia viec cho vay d6u vai khdch hang ca nhan Quy trinh cho vay IA bang king hqp nguyen tic, quy dinh cud ngfin hang trong viec cho vay, m8 ti cong viec cud ngan hang tir khi nhan ha so vay vain dm khich ' khi quyet dinh cho vay, glad ngan, glom sat khan vay, thu hal va... de phan big[ pham fit cho vay vOi cAp phat cua Ngan sach nha mule Nhu vjy to co the hieu cho vay cda NHTM is quan he gika mjk ben Id nye& cho vay (NHTM) bAng each chuyin giao din Ito& lei sin cho ben nye& vay (khdch hang vay) de sir dyng trong mft Mai gian nit& djnh vdi cam kit et& ngudi vay Id ham trii ca gtic va 181 khi din hgn 1.1.2.2 Cho vay tieu dung Mach hang cao cap Cho vay tieu dung la mOt trong... non han cue ca nhan Cho vay lieu ding KHCC trong hpn: la plurcmg thirc cho vay c6 that gian tir tren 12 thing den 60 thing Hinh thirc cho vay nay trong cho vay tieu dimg thuong nhim muc dich mua sim tai sin, till& bi ca nhan, mua xe, cai thin den song gia dinh, ca nhan Cho vay lieu ding KHCC dli hpn: la cho vay co that gian trEn 60 thing, chit yeu la vay de xay clung nha a, cho vay du hoc, 1.1.8.2... cho vay tieu climg KHCC, tuy nhien, to co the dimg mot sit chi tieu djnh ltrqng sau de danh gia su 19 phat trim cho vay tieu dung KHCC cua NHTM met each Ichach quan va nhanh chring nhAt (1) Tic dp tang truing doanh so cho vay tieu ding KHCC Doanh so cho vay lieu ding KHCC„— Doanh so cho Tic df; tang vay lieu ding KHCC„.4 trwang doanh = *100% Doanh so cho vay lieu ding KHCC„_, so cho vay Doanh se) cho. .. cho ngan hang So nihu thou thuan trong hop &ding vay van Bai KHCC la ngual co nguan lac tai chinh, khd ring hoan tra nq vay cling nhanh 3 chung, nen NHTM throng có them nhting chinh sach int ddi dimh cho KHCC khi hp vay van va sit dung dich vy caa nem hang" 1.1.3 Mk dram cho vay lieu dimg khdch hing cao cap Cho vay tieu ding KHCC IA mat mang cua cho vay not chung, nen ngoai nhang ac diem nhu: Cho vay. .. viec phat trim san pham cho vay tieu dung KHCC, ngan hang co kha rang tang cao lqi nhujn va san phAm se co cu hOi phat then a trong cac nAm tiep theo (7) TO If the ngxau CVTD KHCC Nq xiu cho vay tieu dimg KHCC Ty 14 du nq xau cho vay tieu dung KHCC *100% Du my cho vay tieu dung KHCC Ty 14 nay cho to thiy, nq xiu trong cho vay tieu dimg KHCC chiem bao nhieu phArt tram du my cho vay tieu dimg KHCC Theo... xAu trong cho vay tieu dUng KHCC, de lam giim kha nang that thoat them luqng tien, neu ngan hang co nhang chinh sash &hp chi tieu nay giam xuOng, thi ca hOi phat trien cho vay lieu dung se co nhieu han, cac men cho vay ra se c6 chat luqng han, giant thieu nli ro va dem lai lqi nhuin cho ngan hang (9) Chi lieu yang quay win cho vay VOng quay von cho vay tieu dung KHCC Doanh so thu nq cho vay tieu dung... king cao cap Cho vay lieu dung KHCC la mot trong nhting hoat dOng mang lai thu nhap lan va on dinh cho ngan hang, do 46, viec phat trier cho vay tieu dung luon la van de dtrgc quan tam hang diu cua cac NHTM De hieu r6 han ve phat trier cho vay tieu &mg, co thE xem xit tren mot so quan diEm khac nhau: Theo quan diEm phat trier vi and dm nen kinh te: phat trier cho vay tieu dimg the hien 6 viec cho vay. .. boo tan vay trong cho vay lieu ding khdch hOng cao cap Dam bio tier vay la viec ngan hang sir dung mOt hg thEng cac bien phap nhAm phOng ngira riti ro, tao so so kinh to va phip 19 die thu hoi cac khoan nq da cho khich hang vay, giap nem hang pheng ngira nil ro trong cho vay tieu dung KHCC Bao dim tien vay c6 the bao bao dim bang tai sin hoac bao dim kh8ng bang tai san 1.1.7.1 Bcio dam ti'Jn vay bang