Một số giải pháp nâng cao hiệu quả hoạt động thanh toán quốc tế tại ngân hàng thương mại cổ phần ngoại thương việt nam chi nhánh an giang giai đoạn 2010 2012

TRl/OfNG BJ^J HOC AN GIANG HOA KEMH TE - QUAN TRIKINH DOA KHOA LUAN T6T NGHIE^P DAI HOC MQT SO GIAIPHAP NANG CAO HIEU QUA HOAT DONG THANH TOAN QUOC TE TAINGAN HANG THUOfNG MAI CO PHAN NGOAI THlTONG VIET NAM CHI NHANH AN GIANG GIAI DOAN 2010-2012 Chuyen nganh: TAI CHINH - NGAN HANG Sinh vien thu-c hiln: TO THIXUAN HONG L^^p: DH10NH - MSSV: DNH093190 Giang vien huwng dan: Th.S NGUYEN THI VAN HANH TRLfONGeAIHOCll AN GIANG THIf VIEN An Giang, thang nam 2013 Mpt s6 giai phap nang cao hieu qua hoat dong toan qudc te tai ngan hang thuong mai co phan Ngoai thucmg Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 KHOA LUAN TOT NGHIEP DlTOC HOAN THANH TAJ KHOA KINH TE - QUAN TRIKINH DOANH TRlTOiNG DAI HOC AN GIANG Giang vien huong dan: Th.S Nguyen Thi Van Hanh Nguoi cham, nhan set 1: (Ho ten, hoc ham, hoc vi va chit ky) Nguoi cham, nhan xet 2: (Ho ten, hoc ham, hoc vi va chit ky) Klioa luan duoc cham tai hoi dong cham luan van Khoa Kinh te - Quan tri kinh doanh, thang 12 nam 2012 SVTH: To Thi Xuan H6ngTrang ii Mqt so giai phap nang cao hieu qua hoat dong lhanh toan qudc tS tai ngan hang thucmg mai Co phan Ngoai thumig Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 LCHCAMGN Ldi ddu tien em mudn gin Idi cam an den Ban gidm hieu nhd truang ciing toan the cdc thdy co gido cua truang Dai Hoc An Giang da tan tinh quan tarn, giup em sudt bdn ndm hoc tap vica qua Dqc Met Id cdc thdy co gido khoa Kirih te - Quan tri kinh doanh da trang bi cho em nhung Men thicc chuyen mdn quy bdu lam hdnh trang cho em buac vdo dai Vai tat cd tarn long biet an vd Mnh sdu sac nhdt, em xin gin Idi cam an tai Thqc sy - Nguyen Thi Van Hqnh, ngudi da hudng dan rat tan tinh vd luon gidnh cho em nhungy Men donggdp quy bdu vd thiet thuc nhdt de em cothe hodn thdnh de tdi nghien cuu Em ciing xin gin Idi cam an chdn thdnh den Ban lanh dqo ngan hang Ngoai thuang Viet Nam chi nhanh An Giang ciing cdc Anh, Chi phdng Thanh todn qudc te, dqc Met Id Chi Quyen Truang phdng Thanh toan qudc te da nhiet tinh giup do, hudng dan, cung cap nhung so lieu can thiet de em cd the hodn thdnh ludn van tot nghiep cuaminh dung thai hah vdyeu cdu Vdi vdn Men thicc hqn hep nen bdi nghien cuu khdng trdnh Midi nhung thieu sot Do em mong nhdn duqc nhung nhdn xet quy bdu cua Quy thdy cd vd Anh Chi de bdi nghien cuu duac hodn thien han Sau ciing em xin Mnh chuc Quy thdy cd ciing cdc Anh Chi Ngdn hang ddi ddo sice khde vd thdnh cdng cdng viec ciing nhu cudc song Xin chdn thdnh cam an! An Giang, 10 thang 05 nam2013 Sinh vien thuc hien To Thi XuSn Hong SVTH: To Thi Xuan HongTrang iii Mot so giai phap nang cao hieu qua hoat dqng toan qudc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 TOM TAT Giai doan 2010-2012, cung gigng ngn kinh te Viet Nam, tinh hinh kinh tg xa hoi tren dia ban tinh An Giang tigp tuc co sir phuc hoi nhanh chdng sau tac dpng cua khung hoang kinh tg toan cau nam 2009 An Giang la mot tinh thupc Dong Bang Song Cmi Long co thg manh vg phat trign nong nghiep, nuoi va chg bign thiiy san Kim ngach xuit nhap khiu Mng nam cung rdt ldn, la mot thi truang tigm nang cho phat trign cac dich vu tai trp xuat nhap khau ma dac biet la dich vu toan qu6c tg cua ngan hang thuong inai Tu do, dg tai nghign cuu " Mot so giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 2012" duoc hinh voi muc dich danh gia lai hoat dpng toan quoc tg tai Vietcombank An Giang, lam ca so xay dung cac giai phap dg hoan thien va nang' cao hieu qua hoat dpng ciia dich vu tai Chi nhanh thai gian tdi Thong qua viec thu thap cac dft lieu thu cap, cac thong tin ttr qua trinh quan sat, tim higu thuc tg cung nhu nhung thong tin tong hop dupe tir mot so ngan hang canh tranh trgn dia ban, dg tai phan tich mot each tong thg thuc trang hoat dpng toan qu6c tg tai Chi nhanh giai doan 2010 - 2012 Qua trinh phan tich giup nhan nhung nhan to bgn cung nhu bgn ngoai anh huotig dgn hieu qua hoat dpng toan qu6c tg tai Chi nhanh, dong thbi, thong qua mo hinh ma tran SWOT, lam ca sa dg dg cac giai phap gop ph^n phat trign dich vu toan qu6c tg tai Chi nhanh thai gian tdi Bgn canh do, dg tai dg xuat mot so kign nghi doi vdi Vietcombank An Giang, Vietcombank Hoi sd va Ngan hang nha nude, nham dam bao thuc hien tot cac giai phap phat trign, nang cao han nua hieu qua dich vu toan quoc tg tai Chi nhanh tuang lai Npi dung nghien cihi dupe trinh bay chuong: Chuangl:Mdd4u Chuohg 2: Ca sd ly thuygt vg hoat dpng toan quoc tg Chuong 3: Gidi thieu tgng quan vg ngan hang thuang mai eg phan ngoai thuang Viet Nam - chi nhanh An Giang Chuffng 4: Thuc trang hoat dpng toan quoc tg tai ngan hang thuang mai cd phan ngoai thuang viet nam — chi nhanh An giang giai doan 2010 — 2012 Chuung 5: Mot so giai phap cp thg nhSm phat tri^n hoat dpng toan quoc tg tai ngan hang thuang mai co phln ngoai thuang Vigt Nam - chi nhanh An Giang Chuong 6: Kgt luan - Kign nghi SVTH: To Thi Xuan HongTrang iv Mot s6 giai phap nang cao hieu qua hoat dong toan qu6c tS tai ngan hang thirong mii co phan Ngoai thuong Viet Nam — chi nhanh An Giang giai doan 2010 - 2012 MUC LUC Trang TOMTATiv MUC LUC•.V DANH MUC Tf VIET TATix DANHMUCBANGx DANH MUC HINHxi DANH MUC BIEU BOxii Chmmgl.MdDAu 1.1Co sa hinh &h tai1 1.2Muc tieu nghien ciiu1 1.3Pham vi nghien cuu2 1.4Phuong phap nghien ciru2 1.5Y nghia nghien curu2 Chinmg CO SOf LY THUYET VE HO^T DONG THANH TOAN QUOC TE 2.1Khainiem3 2.2 Cac phirong thiic toan quoc te3 2.2.1Phtrcrng thiic chuy^n ti6n3 a)Dinh nghia3 b)Cac ben tham gia3 c)Hinhthuc3 d)Quy trinh nghiep vu4 e)Uu, nhu^c diem cuaphuang thiic chuyen tien5 2.2.2Phuong thiic nho thu5 a)Dinh nghia5 b)Cac ben tham gia5 c)Hinh thiic5 SVTH: To Thi Xuan Hong'.Trang v Mot so giai phap nang cao hieu qua hoat dong tbanh toan qudc te tai ngan hang thuong mai cd phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 d)Quy trinh nghiep vu6 e)lfu, nhupc diem cua phuong thuc nhd thu7 2.2.3Phuong thiic ghi s67 2.2.4Phuong thiic giao chiing tir nhan tien7 2.2.5Phuong thuc tin dung chung tir8 a)Birth nghia8 b)Cdcben thamgia,8 c)Quy trinh nghiep vu9 d)Thu tin dung9 e)Cdc loqi thu tin dung thong dung:10 f)lfu, nhuac diem cuaphuang thuc tin dung chung tic12 2.3 Vai trd cua hoat dpng toan quoc te13 2.4 He th6ng SWIFT14 2.4.1So luacvi he thdng SWIFT14 2.4.2Mot sd loqi dien SWIFT thong dung16 Chirong GICH THIEU TONG QUAN VE NGAN HANG THlTONG MAI CO PHAN NGOAI THlTONG VIET NAM - CHI NHANH AN GIANG 3.1Gioi thieu chi nhanh ngan hang Ngoai thuong An Giang17 3.1.1Lich sic hinh vd phdt trien17 3.1.2Sicmqng, tarn nhin vd phuong chdm hoqtdqng19 3.7.3Vai trd cua chi nhanh ngan hang ngoai thuong An Giang ddi voi suphdt trien cua tinh19 3.2K6t qua hoat dpng kinh doanh tu nam 2010 d8n 201220 3.3Phuong hudng phat tri^n nam 201321 Chirong 4: THlTC TR^NG HOAT DONG THANH TOAN QUOC TE TAI NGAN HANG fHUONG M^I CO PHAN NGO^I THUONG VIET NAM CHI NHANH AN GIANG GIAI DOAN 2010 - 2012 4.1 Tong quan ve hoat dpng toan quoc te22 4.1.1Doanh sd cdc hinh thuc toan quoc ti tic 2010 - 201222 4.1.2Phi thu dich vu toan quoc ti tic 2010 - 201224 SVTH: To Thi Xuan HongTrang vi Mot so giai phap nang cao hieu qua hoat dpng toan qu6c t tai ngan hang thucmg mai co ph^n Ngoai thucmg Viet Nam - ohi nhanh An Giang giai doan 2010-2012 4.1.3 Thiphan kim ngqch toan xudt nhap khau cua Vietcombank An Giang sovaitodn tinh27 4.2Tinh hinh toan hang hoa xuat khlu27 4.3Tinh hinh toan hang hoa nhap khau33 4.4Tinh hinh kinh doanh ngoai te36 4.5Tinh hinh cung cap cac cong cu phong ngira bien dpng ty gia37 4.6Cac nhan td anh huang dSn hoat dpng toan quoc te tai ngan hang38 4.6.1Doi ngu nhan vien38 4.6.2Ha tang cong nghe38 4.6.3 Hoat dqng marketing:39 4.6.4Hoat dongphuc vu vd cham soc khdch hang39 4.7So sanh there trang hoat dong toan qu6c t6 cua Vietcombank An Giang vdi cac ngan hang thucmg mai khac tren dia ban39 4.7.7- Ve thiphan toan quoc tetren dia ban tinh An Giang39 4.7.2Vephithu43 4.7.3Vichien lucre44 4.8Cac nhan to b6n ngoai anh huong den hieu qua hoat dong toan quoc te45 4.8.1Tinh hinh kinh te-xa hoi thigiai45 4.8.2Tinh hinh xuat nhap khdu tren dia ban45 4.8.3Gia cd cac mat hang xudt khau46 4.8.4Su bien dqng ty gia hoi dodi46 4.8.5Doi thu cqnh tranh trongnganh46 4.9Thanh qua dat duac va nhung han ch647 4.9.1Thanh qua dat duac47 4.9.2Han chi47 Chirtmg 5: MOT SO GIAI PHAP NHAM PHAT TRIEN HOAT DONG THANH TOAN QUOC TE TAI NGAN HANG THl/ONG MAI CO PHAN NGO^I THl/ONG VIET NAM - CHI NHANH AN GIANG 5.1 Dinh hudmg phat trien hoat dpng toan quoc te tai Vietcombank chi nhanh An Giang49 5.7.7 Phuang huang hoat dqng cua cd ngan hang.49 5.7.2 Phuang huang hoat dqng cua Phong Thanh toan quoc te49 SVTH: To Thi Xuan H6ngTrang vii Mpt s3 giai pbap nang cao hieu qua hoat dong toan qudc tS tai ngan hang thuong mai c6 phln Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 5.2Ma tran SWOT50 5.3Phan ti'ch cac chien hrgc;52 5.4Mot s6 giai phap nhSm phat triln hoat dong toan quoc t8 tai NHTMCP Ngoai thuong Viet Nam - chi nhanh An Giang53 5.4.1Xay dung chien luge Marketing54 5.4.2Giai phap cham soc khach hang58 5.4.3Giai phap ve nguon nhan luc59 a)Dao tao vaphdt trien nguon nhan lucphuc vu cong tdc Marketing59 b)Ndng cao tnnh chuyen mon cua doi ngu can bo nhan vien Thanh toan quocte;59 5.4.4Cac giai phap ho trg ^ - : : : 60 a)Giai phap thu hut nguon ngoai te60 b)Giai phap ve cong nghe60 c)Giai phap phat trien cac cong cuphdng ngira bien dong ty gia61 Chuwng KET LUAN - KIEN NGHI 6.1K6tluan:62 6.2Ki8nnghi.''.63 6.2.1 Doi v&i Vietcombank An Giang63 ,6.2.2 Doi vai Vietcombank trung uang63 TAI LIEU THAM KHAO65- SVTH: To Thi Xuan H6ngTrang viii Mot s6 giai phap nang cao hieu qua hoat dng toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai dojtn 2010-2012 DANH MUC CHC VIET TAT BCT CAD CTCP D/A Cash against documents Bp chting tvr Giao chting tvr nhan ti6n Cong ty co ph^n Documents against acceptance Chung tit doi chap nhan toan D/P L/C M/T NH NHNN NK SWIFT TCTD TMCP T/T TTQT Documents against payment Letter of Credit Mail tranfers Giao chting tit d6i toan Tin dung thu Chuyln ti^n b^ng thu Ngan hang Ngan hang nha nuac Societies for worldwide interbankfinancial telecommucation Nhap khlu Hiep hoi Tai chinh Viln thong lien ngan hang toan cau T6 chuc tut dvmg Thuomg mai c6 phan Telegraphic Transfer Remittance Chuyln tiln bang dien Thanh toan quoc tl TTXK Thanh toan xuat khau XK Xuit khiu XNK Xuat nhap khSu SVTH:T6ThiXuanH6ng Trang ix Mpt s6 giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuctng Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 DANHMUCBANG Bang 3.1: KSt qua hoat dong cua Vietcombank An Giang (2010 - 2012)' Bang 4.1: Doanh so toan quoc te cua Vietcombank An Giang (2010 -2012) Bang 4.2: Phi thu dich vu cua cac phuong thuc TTQT tai Vietcombank An Giang (2010-2012) Bang 4.3: Bieu phi dich vu toan qu6c te cua Vietcombank so vdi Vietinbank va Eximbank An Giang 20 22 24 26 Bang 4.4: Doanh s6 toan hang xuat khau cua Vietcombank An Giang (2010-2012) Bang 4.5: S6 luong khach hang doanh nghiep tham gia TTXK tai Vietcombank An Giang (2010 - 2012) Bang 4.6: Doanh so toan hang nhap khau cua Vietcombank An Giang (2010-2012) Bang 4.7: Doanh so mua ban ngoai te tai Vietcombank An Giang (2010 - 2012) 27 32 33 36 Bang 4.8: Doanh so TTQT cua Vietcombank An Giang so vdi cac NHTM khac tren dia ban 40 Bang 4.9: Phi thu tvr hoat dong TTQT cua Vietcombank An Giang so vdi cac NHTM khac tren dia ban 43 SVTH: To Thi Xuan Hong Trang x Mot so giai phap nang cao hieu qua hoat dong thaah toan qudc te tai ngan hang thuong mai co phan Ngoai thucrng Viet Nam - chi nhanh An Giang giai ctoan 2010 - 2012 5.3 Phan tich cac chien Iupc Cac chiln lucre dugc dl ma tran SWOT co thi dugc chia nhdrn chien luge chu yeu sau: at Nhom chien lucre Marketing: vdi cac chien luge phat trien san pham, da dang hoa san pham va khac biet hoa san pham; chien luge phat trien va mcr rgng thi truang; chien luge tang cuong cac hoat dong quang cao, tiep thi va cac chidn luge cham soc khach hang ?Chien lucre vephdt trien, da doing hoa san pham: Hoat dong xuat nhap khau cang phat trien thi nhu cau cua cac doarih nghiep xuat nhap khau doi vdi ngan hang hoat dong hd trg xuat nhap khlu cang da dang cac san phim tai trg tai Chi nhanh vln han chl Do chiSn luge phat trien, da dang hoa san pham tai trg thuong mai cu the la mo rpng cung cap cac san pham tai trg trudc giao hang nhu: tai trg hang luu kho, thu tin dung digu khoan ben canh cac san pham tai trg sau giao hang ma Chi nhanh dang cung dp nhu: chigt khau bo chung tir theo L/C va bao toan, tit se giiip doanh nghiep co them nhieu lua chon hon hoat dong xuat nhap khau, diy manh hoat dong toan qudc te nhlm lam tang thi phan lmh vuc toan quoc te cua Chi nhanh ngan hang ?Chien lucre khac biet hoa san pham: Hosit dong va kinh doanh moi truong day ray doi thu canh tranh, muon giu vung vi the cua minh thi ngan hang can day manh su khac biet san phim cua minh so voi cac d6i thu canh tranh, tao diim dgc dao rieng lam dl no chiim dugc mot vi tri dac biet doi voi khach hang Cac yeu t6 de tao su khac biet cua mot san pham co thi la san pham, gia ca, phong each phuc vu, thai gian toan thu tuc, nhan su hay hinh anh thuong hieu Mot chiln luge khac biet hoa jthii hgp se co dugc niem tin cua khach hang, se co vi tri thuan loi hem so vdi cac ddi thu canh tranh khac ?Chien lucre tang cucrng quang cao, tiep thi: Vietcombank la ngan hang co thuorig hieu manh hoat dong toan quoc te, dac biet tren dia ban tinh An Giang Chi nhanh Vietcombank dugc lap kha lau nen da tao lap dugc nhung moi quan he tot vdi cac doanh nghiep xuat nhap khau Do do, Chi nhanh phai tan dung nhung Igi the san cd cua minh ket hgp tang cuong cac hoat dong quang cao, tiep thi de khong nhihig giu dugc khach hang cu ma thu hut them nhieu khach hang mdi de tao Igi the canh tranh, phat trien va mo rgng thi trudng ?Chien lucre phat triin, mcr rang thi trudng: Vdi nguy ca xam nhap thi truang vao linh vuc toan qudc tl cua mot sd ngan hang tren dia ban cung nhu cac ngan hang nude ngoai thi viec sip xep lai thi phin la nguy ca khd tranh khoi T^n dtmg ca hoi hoat dong tren dia ban co kim ngach xuat nhtip khau ldn va su ho trg cua chinh phu cung nhu NHNN ddi vai cac doanh nghiep xuit nhap khau, ben c^nh tri mdi quan he tdt dep vdi khach hang truyln thong thi Chi nhanh nen tich cue tiep can vdi cac khach hang mdi nhim giu vung va gia tang thi phan cho ngan hang ?Chien lucre cham soc khach hang: Khach hang la mot cac yeu to quyet dinh doanh sd toan qudc te cua ngan hang Hien tai chinh sach lai suat vh ty gia SVTH:TdThiXuanHdngTrang52 Mot so giai phap nang cao hieu qua hoat dong toan qu6c tl tai ngan hang thuong mai c6 pMn Ngoai thucrng Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 cua Chi nhanh chua mang tinh canh tranh nhtrng thuc tl thly dugc hai yeu to khd thay doi linh hoat dl dap ting nhu cau thi truang dugc bai NHNN kilm soat mat rat chat che, cho nen de bit dap lai han che nay, Chi nhanh nen phat trien cac dich vu cham sdc khach hang hon nua de khach hang hai long va san sang danh doi de chon den giao dich vdi ng^n hang, gdp phan gia tang doanh so toan quoc tl cho ngan hang 4- Nhom chien luge nhan sg: vdi chi^n luge phat tri&i nhan luc cho bg phan Marketing cua ngan hang ben canh chien luge nang cao trinh cho dpi ngu can bo Thanh toan quoc te nham muc tieu nang cao hieu qua hoat dong toan quoc te cho Chi nhanh ?Chien luge phat trien nguon nhan luc: Hien tai Chi nhanh thieu nhan luc de lap mot bo phan Marketing rieng biet nen hoat dong tim ki&n, phan tich nhu cau cua khach hang chua dugc quan tarn nhieu Viec dao ta.o va phat trien them nhan luc de ^^ng cudng hoat dong marketing la can thiSt dl thu hut them nhilu khach hang ti^m nang cho ngan hang cung nhu cho hoat dong toan quoc te sk Nhom chien luge ho trff nghiep vu toan quoc te: bao gom cac chien luge ve nguon cung ngoai te va cac cdng cu phong ngira nii ro ty gia ??? Chien luge tang nguon du trie ngoai te: Hien cac doanh nghiep xu^t khau, dac biet la danh nghiep nhap khau cd nhu cau vay ngoai te rat Idn Do tang cucmg nguon du tru ngoai te nham day manh hoat dong tin dung tai trg xuat nhap khau, qua phat trien hoat dong toan quoc te cho ngan hang ?Chien luge phat trien cac cdng cy phong ngua biin dong ty gia: Rui ro ty gia dugc xem la nii ro dac trung, gan lien vdi hoat dong toan qulc te cua ngan hang Viec phat triln cac cong cu phong ngua bien dong ty gia giao dich hli doai se giiip cac doanh nghiep XNK han chl su bien dong, giam thieu dugc nii ro vl ty gia do da khong it ngan hang cung clp cac cong cu tren dia ban cd hoat dong xuat nhtip khiu phat trien nhu An Giang Be n^^ng cao tinh canh tranh cua Vietcombank tren dia ban thi viec phat triln cac cong cu phong ngira ndn dugc chu trgng han nua, qua cung giiip ngan hang md rong hoat dong toan quoc te cho minh 5.4 Mot so giai phap nham phat trien hoat dong toan quoc te tai ngan hang thuang mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang Tir thuc trang tinh hinh dich vu toan quoc te, nhimg mat dat dugc, nhung han che ton tai va dinh hudng hoat dong cua Vietcombank An Giang thai gian tdi, ben canh mot so cac giai phap ve phia ngan hang thi bai nghien cuu xin de mot so bien phap khac nham phat trien hoat dong toan quoc te tai Chi nhanh nhu sau: SVTH: To Thi Xuan Hong •Trang 53 Mot so giai phap nang cao hieu qua hoat (long toan quoc te tai ngan hang thucmg mai c6 phln Ngoai thuong Viet Nam - chi nhanh An Giang giai (loan 2010-2012 5.4.1 Xay dung chien luge Marketing ? Ve san pham: Vi nhu cau cua cac doanh nghidp XNK cang da dang va khit khe hern nen Chi nhanh cung phai khdng ngtrng cai tien, phat tridn san pham, dich vu cua minh hon nua de dap ling nhu cau cua khach hang mot each t6t nhat: -Ngoai cac dang L/C dang cung cap, Chi nhanh can nghidn ciiu, md rdng them cac loai L/C khac nham dap ling cac nhu cau khac cua khach hang dong thai lam tang nguon thu phi cho ngan hang, tranh trudng hop khach hang cin ma ngan hang khong cung cap dupe Nhat la cac loai L/C danh cho cac doanh nghiep nhap khau, qua nham gia tang doanh so toan nh^p khau cho Chi nhanh Cung vdi vide md rong them cac loai L/C cung cap, Chi nhanh nen dua cac chinh sach mi dai kem theo nhu: doanh nghiep duac tai tra ngoai te de todn L/C, ty le ky qu^ thap, linh hoat va thai gian tra cham dai Ngoai ra, cac khach hang mdi se duac nhan cac uu dai mien cac loai phi md tai khoan de khuyen khich khach hang manh dan su dung L/C mdi Chi nhanh cung cap -Da dang hoa cac phuang thiic toan hoat dong toan quoc te Day manh trien khai cac san pham the toan quoc te Day la.mt san pham rat tien dung va thai dai cdng nghe hiSn thi no la mot su lua chpn dupe rat nhieu khach hang ua thich De khuyen khich khach hang su dung the cac giao dich quoc te, Chi nhanh nen day manh cac hoat dong sau: •Tang cudng cac chucmg trinh quang ba san phim the d^n khach hang •To chdc nhieu chucmg trinh khuyen mai, uu dai cho chu the " Md rpng mang ludi chap nhan the •Ngay cang gia tang tien ich va dac biet chii den cdng nghe thong tin vide cung cap san pham the cho khach hang Vide phat tridn cac loai the toan qudc te gdp phan gia tang doanh so toan va quang ba thuang hieu the Vietcombank ddn cac khach hang tren the gidi -Ngoai ra, thai gian tdi Chi nhanh cdn nghien cuu trien khai cac san pham dich vu trpn goi Day la mot loai hinh san phim dang dupe rlt nhieu khach hang quan tarn hien vi tinh tien lpi cua no Dua tren nghien cuu nhu clu thuc te cua cac doanh nghidp, Chi nhanh cd thd cung dng goi dich vu xuit nhap khau bao gdm: * Dich vu toan xuat khau theo cac hinh thuc toan L/C, nhd thu, chuydn tien •KJnh doanh ngoai te va cac san pham phai sinh •Bao hiem hang hoa van chuydn npi dia va xuat khau •Cac dich vii hd tra va tu vin De trien khai dich vu XNK trpn goi hieu qua cao, Chi nhanh can dac biet chu da dang hoa cac san pham goi nham gia tang tien ich, lam hai long khach hang d muc dp cao han Cac bien phap cu the nham da dang hoa cac san phim goi nhu sau: SVTH:TdThiXuanHdngTrang54 Mot so giai phap nang cao hieu qua hoat dpng toan qudc te tai ngan hang thucmg mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 •Da dang hoa cac phuang thiic toan va cac san pham tai tra XNK Ddi vdi hoat ddng toan XNK thi ben canh vide mcr rdng va nang cao chat lupng cua cac nghiep vu hien co, Chi nhanh can manh dan tridn khai mot so nghiep vu chua dupe ap dung bien tai cac chi nhanh ngan hang khac tren dja ban dd thu hut them cac khach hang Doi vdi hoat dpng tai tra XNK, Chi nhanh can trien khai da dang, phong phii han nun nhu: mo rdng cac hinh thiic tai tra trade giao hang va sau giao hang, da dang hoa cac hinh thtrc tin dung XNK, phat trien dich vu bao lanh cho khach hang •Day manh viec sir dung cac cong cu phaisinh di kem •Phat trien dich vu ttr van cho cac doanh nghiep XNK ve thi tradng, doi tac, lua chon phuang thiic va dieu kien toan •Mb rpng hap tac vdi cac td chiic co lien quan: cong ty bao hilm, cong ty v^n tai Thuc t6 thi viec nghien ciiu va sang tao mot san pham mai doi hoi chi phi va thai gian ldn nen viec trien khai cac san pham, dich vu trpn gdi se mang lai lpi the canh tranh hon bdi vi khong phai ton nhieu chi phi va thai gian Ben canh do, nhd sir thuan tien va gia tri gia tang mang lai cho khach hang, cac gdi dich vu se mang lai kha nang chi&n linh thi tradng nhanh han cho Chi nhanh neu viec trien khai dat hieu qua -Ngoai ra, ngan hang cung nen day manh dich vu sau ban hang cho khach hang bang viec luon cd nhirng ban ttr van giai thieu va dua cac san pham phu hap cho khach hang khong chi trade ma ca sau ban hang giup khach hang luon bam sat nhung thay doi cua thi tradng cung nhu cac chinh sach ve san pham djch vu cua ngan hang ? Ve phi thu.- Vdi ap lire canh tranh cang gay g^t giua cac td chuc tin dung tren dia b^n nhu hien nay, ben canh chat luang djch vu thi chinh sach gia ve lai suat va phi hap li cung la mot yeu td quan trpng quyet djnh lua chpn cua khach hang -Chi nhanh nen cd chinh sach phi hap li, linh hoat ap dung phu hop vdi tung nhdm khach hang uu tien nhdm khach hang ldn va khach hang traydn thdng -Cd the chap nhan khong thu phi hoac thu phi thap ddi vdi cac djch vu hd tra nhu tu van de thu hut them cac giao djch ldn cd kha nang dem lai lpi nhuan cao han cho ngan hang -Ddi vdi nhung khach hang ldn, uy tin, giao djch thudng xuyen thi Chi nhanh nen cd nhung chinh sach uu dai vd phi dich vu, lai suat vay vk ty Id ky quy nham nang cao muc dp trang cua ho ddi vdi ngan hang Mot chinh sach phi sang tap, mem deo han se giup ngan hang tao dupe lpi the so vdi cac ddi thu Do Chi nhanh can bd cong sue nghien cuu, tim hieu va phan loai chi tidt han vd tung phan khuc khach hang dd nam dupe muc dp rui ro va nang luc SVTH: Td Thj Xuan HongTrang 55 Mot so giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 chi tra cua nhiing ddi tupng khach hang khac Muc dich ciia viec phan chia la giup Chi nhanh co the phuc vu c&c nhdm khach hang mot each hop ly hon, co nhung chuong truth khuyen mai va cac chinh sach khuyen khich rieng Khi Chi nhanh co dupe mot chinh sach phi linh hoat, khach hang se cam thay vui ve va hai long han su dung san pham dich vu ciia ngan hang va cung nang cao su trung gan bo vdi san pham dich vu ngan hang hem ??? Ve phan phoi: La mot phan gan kdt ngan hang vdi thi tnrdng, kenh phan phdi cang hieu qua thi viec cung cap san pham dich vu thi trudng cang thuan lqd Be gia tang khdi lupng giao dich toan quoc te qua ngan hang, Chi nhanh can co nhung Men phap chii dpng md rdng thi trudng toan quoc te Cu the, Vietcombank can tang cudng md rpng mang ludi cac phdng giao dich den cac khu cdng nghiep, khu vuc dong dan cu Tuy nhien, viec md rpng mang ludi se ton nhieu chi phi va thai gian Trudc mat, Chi nhanh nen tan dung ve the manh cdng nghe cua mlnh de md rdng cac kenh phan phoi hien dai nhu ATM, website, Internet Banking, Mobile Banking nham da dang hda cac kenh cung cap dich vu cho khach hang Ndu khai thac tdt kenh phan phdi se giam dupe ap luc phuc vu khach h^^g cho kdnh truyen thdng Xu hudng hien nay, khach hang cung dang cang danh gia cao mo hinh cung dp dich vu da kenh ciia cac ngan hang -Boi vdi website ngan hang: Hien tai Chi nhanh chua cd website rieng nen viec gidi thieu san pham mdi vSn han che Vi vay, thdi gian tdi, Chi nhanh can xly dung mot website cua rieng Vietcombank An Giang mang tinh chuyen nghiep, khoa hoc va de dang cho khach hang tra ciiu, ben canh hinh thiic website cung can thiet ke dep mat, thong tin san pham dich vu phai day du, chinh xac va cap nhat lien tuc -Boi vdi cac dich vu ngan hang dien tu nhu Internet Banking, Mobile Banking : Tuy hien cac dich vu khong la mdi me nhung s6 lupng khach hang su dimg van han che nen Chi nhanh cung can day manh quang ba cho cac dich vu han nua, thong qua website ngan hang, cac phuang tien bao dai, phat td rai hay to chiic cac chuang tinh khuyen mai de gia tang them khach hang su dung Ngoai ra, vdi lpi the mang ludi cac van phong dai dien, chi nhanh va ngan hang dai ly cua Vietcombank tai nude ngoai sin cd, Chi nhanh can k8t hop Vdi cac bien phap nhu: -Buy tri va cung co moi quan he vdi cac ngan hang dai ly nude ngoai de nang cao uy tin cho ngan hang, dong thdi hoc hoi kinh nghiem quan ly cua cac ngan hang nude ngoai -Md rpng mdi quan he dai ly vdi cac ngan Mng nude ngoai tai cac qudc gia khac de phuc vu nhu c^u toan cho cac khach hang tai Chi nhanh ?J* Ve chicu thi: Bay la mot cdng cu quan trpng nham kich thich viec su dung san pham dich vu hien tai va san pham dich vu mdi cua ngan hang, dong thdi lam tang muc dp trung cua khach hang Men tai, thu hut khach hang tuang lai, dac Met SVTH:Td Thi Xuan HongTrang56 Mot so giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong mai co phln Ngoai thuong Viet Nam- chi nhanh An Giang giai doan 2010 - 2012 lam tang uy tin, hinh anh ctia ngan hang tren thi trudng Cac hinh thiic Chi nhanh co the su dung: ?Qudng cao, tuyen truyen hoat dong cua ngan hang trongXd hoi: Thudng xuyen tuyen truyen quang cao dg tri loi the canh tranh ctia ngan hang tren thi tnrdng: Day manh va da dang cac hinh thiic cpang cao tren bao chi, truyen hinh, Internet: Xay dung cdc doan phim quang cao ve san pham dich vp ciia ngan hang, thudng xuyen co cac bai bao va cac chuong trinh truyen hinh, truyen de nhan manh cac tich ndi bat, cac sir kien cua Vietcombank An Giang, qua gitip tuyen truyen cho khach hang hieu ro hon nfta ve cac san pham dich vu ngan hang, tit gitip khach hang gan gui hon vdi cac san pham dich vu cua ngan hang ?Phong each, thai phuc vu: Thai dp, phong each giao tiep chinh la cong cu giu chan khach hang co hieu qua Viec doi mod phong each lam viec, thai dp giao tiep cua can bp toan quoc te cung la mot nhung bien phap quan trpng de tri sir trung cua khach hang co hieu qua, qua nang cao uy tin, hinh anh cua ngan hang -Viec nhanh chong, chinh xac, khong gay kho khan va sai hen vdi khach hang, san sang hudng dan va gitip khach hang mot each nhanh chong chinh xac -Sin sang tu van cho khach hang ky k8t cac hpp ddng xuit nhap khiu v di8u khoan, phuong thtic toan an toan va co loi nhdt cho khach hang -Chi nhanh can to chiic mot dpi ngu ho tro cho khach hang giai quyet cac thu tuc can thiet, tranh tinh trang khach hang phai di lai qua nhi^u -Nhan vien toan cua ngan hang phai luon them no, nhiet tihh, giai quyet cong ?Khuyen mai: Song song vdi cac hinh thiic quang cao la hoat dong khuyen mai Trong hoan canh cac loai hinh san pham cung nhtr chat lupng dich vu tai hau het cac ngan hang deu tuong tu nhau, thi chuong trinh khuyen mai chinh la yeu to nhat khac biet de cac ngan hang canh tranh va thu hut khach hang ve vdi minh -Uit dai v8 phi nhu khong tinh hoa hdng ddi vdi cac nghiep vu thtrc hien tai ngan hang nhu chuyln tai khoitn, chuygn tiSn hay tra no nude ngoai de khuyen khich cac doanh nghiep dang co tai khoan tien gtii toan tham gia dich vu toan qudc td tai Chi nhanh -Tang qua khuygn mai md tai khoan tai Vietcombank An Giang, nhat la tai khoan phuc vu cho cac nghiep vu toan quoc tg -To chiic cac chuong trinh mo the quoc tg cho cac doanh nghiep hoat dong xuat nhap khau trgn dia ban SVTH: To Thi Xuan H6ngTrang 57 Mot so giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 -Lua chon thai diem thich hop de tung cac chucrng trinh khuyen mai nMm gia tang gia tri thucrng hieu long khach hang nhu: thai diSm dau nam va sat let Nguyen dan hoac gan cac le Ion nam ?Marketing true tiep: -Phat trien cac loai to rai giai thieu san pham: Cin thiet kS cac to roi mot each thong nhat, cu the va chi tiet giai thieu san pham dich vti, neu ro quyen lqi ciia khach hang Phat hanh to rai rpng rai de the hien su quan tam cua ngan hang dSn quyen loi cua khach hang cung nhu phuc vu nhu cau tim hieu thong tin ciia khach hang ddi ydi cac dich vu ngan hang Khach hang se thich thii va an tam han biSt cu the v8 dich vu minh tham gia tai ngan hang se duac xu ly nhu th^ nao va mang lai lai ich gi Tir do, khach hang se tra nhung tuyen truy^n vien tu nguyen cho ngan hang -Ngan hang cung co the tham gia hoi cha, trien lam cac san pham, qua gidi thieu nhieu hern ve cac loai hinh dich vu cua ngan hang, day cung la mot hinh thuc cung cap thong tin huu hieu ?Cac hoat dong tai tree Chi nhanh nen chii va day manh cac chuang trinh tai tra cac su kien ldn cua dat nude nhu tai tra cho cac hoat dong the thao, giao dtic, bao ve moi trudng va cac hoat dong van hda xa hoi nham gay dung hinh anh va tang cudng uy tin cho Vietcombank An Giang long khach hang 5.4.2 Giai phap chain soc khach hang Co the ndi rang, khach hang co vai tro quyet dinh den su ton tai va phat trien cua ngan hang Khi ma so luang cung nhu chat lugng cac san pham dich vu cua cac ngan hang tren thi trudng la tuang duang va co su chenh lech khong dang ke thi chinh sach khach hang trd mot nhung vu chien luac quan giup cac ngan hang co the vuat qua cac doi thu de gianh lay uu the tren thi trudng Hien nay, hiu h6t cac ngan hang thuang mai dSu da nhan duac vai trd cua dich vu toan qudc t6, the nen cac ngan hang deu lin lugrt dua cac chinh sach hap dan thu hut khach hang ve phia minh Do do, Chi nhanh can day mtinh cac hoat dong cham soc khach hang han nua, tao su khac biet va loi keo cang nhieu khach hang ve phia minh -Chu dong tim ki^m khach hang: ThiSt lap mdi quan he vdi cac doanh nghiep tren dia ban dat biet la cac doanh nghiep kinh doanh xult nhap khau cac luih vuc luang thuc, thiiy san, ,v6n la th manh xuat khiu cua tinh An Giang -Phan loaii khach hang: Day phai la hoat dong thudng xuyen de ngan hang dua nhung chinh sach thich hop vdi tung nhdm khach hang nham giu chan khach hang cu va thu hut khach hang mdi • D6i vdi nhung khach hang truySn thong ldn, ngan hang nen ap diing nhieu uu dai cho ho nhu: miln phi dich vu tu vdn cho khach hang co nhu cau su dung cac dich vu toan quoc te, uu dai ve von va lai suat vay von cho hoat dong SVTH: To Thi Xuan HongTrang 58 Mot so giai jshap nang cao hieu qua hoat dpng toan quoc te tai ngan hang thucmg mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 xuat nhap khau, tru dai vd ti Id ky quy vide md L/C, su dung cac san pham bao lanh tai ngan hang, giam phi dich vu co phi toan quoc te hoac to chiic cac hoat dpng tham hoi chtic mimg cac dip le tdt dd tri mdi quan he tot dep giua ngan hang va khach hang • Bdi vdi nhttng khach hang mdi tham gia toan quoc te tai ngan hang vdi ty Ion thi ngan hang co thd giam phi dich vp hoac tu vin mien phi de gay in tupng tot cho hp -To chiic cac budi tap huin nhd ve cac ky nang giao tiep vdi khach hang, chii den each ndi nang, chao hoi, each tra Idi didn thoai cua cac nhan vidn giao dich true tiep vdi khach hang -To chuc thucmg xuyen chucrng trinh binh chpn nhan vien cham sdc khach hang tot nhat chi nhanh khach hang binh chpn -To chiic Hoi nghi khach hang: day la mot bipn phap co hieu qua cao, vi la dip lang nghe cac y kien phan hoi cua khach hang dang su dung san pham dich vu cua Chi nhanh, qua nam duoc nhu cau hien tai va tuong lai cua khach hang de co mot chien luoc kinh doanh phu hop, ngoai day la dip de tang cudng su gan bo giua khach hang vdi ngan hang 5.4.3 Giai phap ve nguon nhan lire a)Dao tao vaphdt trien nguon nhan lucphuc vu cong tdc Marketing Hien tai chi nhanh chua co bp phan marketing chuyen biet phuc vu cong tac nghien ciiu thi trudng, tim hieu nhu cau khach hang, quang ba cac san pham dich vu, tim kiem khach hang mdi, do cung anh hudng nhat dinh den hoat dpng toan quoc te cua ngan hang Vi vay, thai gian tdi Chi nhanh can nghien ciiu, to chiic va sap xep mot dpi ngu can bp chuyen thuc hien cdng tac marketing hieu qua hon Cung vdi do, mdi cac chuyen gia Marketing gidi ve giang day, cu e^e bp phan co kinh nghiem ve Marketing theo hoc nhiing khda dao tao chuyen nganh Marketing Ngan hang d nude ngoai b)Nang cao trinh chuyen mon cua doi ngu can bo nhan vien Thanh todn quoc te Cong tac dao tao, boi duong nang cao trinh dp cho can bp nhan vien toan quoc te la dieu tat yeu de co the phat trien dupe dich vu toan quoc te mot each toan dien ca ve so lupng Ian chat lupng Cu the: -Thudng xuyen theo doi tinh hinh hoat dpng cua bp phan toan quoc te, kip thai tuydn dung bo sung ngudn nhan luc dap ling dii tieu chuan ca vd trinh dp, nang luc va dao due -Dua nhan vien di hoc cac lap nghidp vu ngan han ndi chung va nghidp vu toan quoc te ndi ridng tai Hoi sd de cd the giiip cho cac can bp nhan vien toan quoc te cd the hieu biet nhidu han nua ve cac tinh hudng toan quoc te va SVTH: To Thi Xudn HdngTrang 59 Mot s6 giai phap nang cao hieu qua hoat dpng thauh toan quoc te tai ngan hang thuang mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 ngoai nude, nit kinh nghiem cho minh, han chg tli da nii ro nhSm nang cao trinh chuyen mon -Thudng xuyen kilm tra trinh dp, trang bi kip thai cho cac can bo toan quoc te kien thuc ve Imh vuc ngoai thtrong, trinh dp vi tinh, ngoai ngu toan dien Ngoai ra, nhung kien thiic bo tra khac cho cong tac nghiep vu toan quoc te nhu kien thuc lien quan den chiing tit van tai, chiing tit bao Mem v.v cung nen dupe bli dudng lien tuc cho cac nhan vien toan quoc tl -T6 chiic cac buoi hoi thao vl toan qu6c tg vai cac t6 chiic tin dung khac tren dia ban nMm giiip Chi nhanh trao d6i kinh nghiem, nang cao trinh dp nghiep vu, each phong ngtra cung nhu bien phap xu ly hieu qua nh^m nang cao chit lupng phuc vu tai Chi nhanh -Chat lupng dich vu cung phu thupc rat nhieu vao qua trinh giao tiep gifla nhan vien va khach hang Do do, ben canh viec boi duang nghiep vu chuyen mon cho can bp toan quoc te thi cung can chu y boi duang dao due pham chat, nang cao tinh thin trach nhiem, ren luyen can bp nhan vien nhiet tinh nang no va thai dp phong each giao tiep van minh lich sir, nhu vay m6i quan he giua khach hang vai ngan hang se cang bin chat, la ca sa dl khach hang tilp tuc su dung san pham cua ngan hang va loi keo them nhilu khach hang khac nua Nhdf doanh thu se dupe on dinh va phat trien han nua 5.4.4 Cac giai phap hd tra: a)Giai phap thu hut nguon ngotp te Nguln von ngoai te dong vai tro kha quan trpng hoat dpng TTQT, nhlt la toan nhap khlu Do do, chu dpng nguln ngoai te cung la mot bien phap thu hut khach hang den giao dich vai ngan hang Do do, Chi nhanh cln dly manh hoat dpng thu hut von ngoai te, cu the nhu sau: -Day manh hoat dpng kinh doanh ngoai te, da dang hoa cac loai ngoai te dS dap ung nhu cau khach hang ve khoi lupng va loai ngoai te mot each tot nhat -Thuc hien nhieu chuang trinh khuyln mai hip din nhu tang qua di kem Tuy theo so lupng tien gui khach hang se co qua tting tuang ling Chinh sach lai suat hap dan, phu hop nham khuyen khich ho giao dich ngoai te vdi ngan hang, nang cao hieu qua huy dpng ngoai te, tao nguon ngoai te phuc vu tot cho hoat dpng toan quoc te b)Giai phap ve cong nghe Cong nghe hien dai cang dong vai tro quan trpng hoat dpng cua ngan hang dac biet linh vuc toan quoc te Do muon phat trien hoat dpng toan quoc te tai Chi nhanh thi hoat dpng nang cap, phat trien he thong cong nghe la mot nhung yeu cau quan trpng can dupe thuc Men song song cac giai phap khac SVTH: To Thi Xuan HongTrang 60 Mot so giai phap nang cao hieu qua ho^t dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 -Tang cudng dau tu, nghien cuu ling dung va trien khai cong tac doi mdi cong nghe nham dap ting cac yeu cau phat trien khong ngirng ctia hoat dpng ngan hang noi chung, hoat dpng toan quoc te noi rieng -Chi nhanh nen manh dan ting dung cac cong nghe mdi de nang cao hieu qua toan, khac phuc nhung han che ve he thong tang vien thong, chat lupng mang, toe dp dudng truydn, 16i ky thuat -Song song ydi vide Men dai hoa cong nghe tM cong tac an toan cdng nghe thong tin cung can phai chti trpng de nang cao uy tin cua ngan hang Svr phat trien cua cong nghe Men dai cho phep ngan hang nang cao nang lire canh tranh, phat tri^n bSn virng diu kien hoi nhap nhu Men c) Giai phap phat trien cac cong cuphong ngica bien dong ty gid Nhu da de cap d tren, ty gia ciing la mot nhung nhan to anh hudng d^n hoat dpng TTQT tai Vietcombank An Giang Hien Chi nhanh cung cung dp nhieu cac cong cu phong ngira bien dpng ty gia nhu: Spot, Forward, Swap nhung thoi quen, tap quan kinh doanh cua ngudi Viet ma giao dich tren thi trudng chu yeu la Spot Tuy nMen, tucrng lai nen kinh te Viet Nam phat trien hon nua, tm rang cac nghiep vu se dupe thuc Men nhieu hern thi trudng tuong lai Do do, Chi nhanh nen tang cudng nghien cuu, md rpng ting dung cac cong cu phdng ngira bien dpng ty gia nham giam tMeu rui ro ve bien dpng ty gia ciing nhu lai suat ngoai te cho khach hang, giiip khach hang yen tam kM thuc Men cac giao dich quoc te tai Chi nhanh, qua cung gdp phan da dang hoa cac dich vu ho trp tai ngan hang Cu the nhu: -To chuc cac budi hoi thao de gidi tMeu va tu van ve lpi ich cua viec su dimg cac cong cu phai sinh toan xuat nhap khau cua khach hang Qua do, day manh nhu cau su dung cac cong cu nay, gdp phan lam tang them thu nhtip tir dich vu cho ngan hang -Dao tao mot dpi ngu can bp nhan vien thong thao v cac cong cu phong ngua bidn dpng ty gia Ngoai din trang bi them nhung kidn thuc va kinh ngMem vd thi trudng phdng ngua bidn dpng ty gia va thi trudng tidn te qudc te, cac ky nang phan tich, tong hop thong tin thi trudng de du doan xu hudng dien bidn cua thi trudng nham su dung cac cong cu phai sinh mot each hieu qua nhat -Md rpng quan he hpp tac vdi cac ngan hang nude ngoai de tranh thu dupe sir ho trp ve kien thiic, quan ly va he thong phan tich rui ro ddi vdi cac cong cu ngoai hoi -Chii trpng cdng tac quan tri rui ro, phan tich va du bao rui ro de phdng chdng va han che tdn that gap phai rui ro SVTH: To Thi Xuan Hong Trang 61 Mot s6 giai phap nang cao hieu qua hoat dong toan qu6c ti tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 Chmmg 6: KET LUAN - KIEN NGHI Day la chuong kit thuc cua bai nghien ahi, v&i viic dua nhung kit luqn tong quit tit nhitng kit qua phan tich a trin, bin cqnh do, di tai cung di xudt mot so kiin nghi doi v&i cac doi tuang liin quan hoqt dong toan quoc ti tqi Vietcombank chi nhanh An Giang 6.1 Kit luan Trong xu hudng toan cau hda nin kinh ti va thucmg mai quic te cang phat trien nhu hiennay thi vai tro cua dich vu toan quic ti hp thing ngan hang thuong m^i noi chung va Ngan hang TMCP Ngoai thuong Viet Nam chi nhanh An Giang noi rieng cang dupe kiting dinh Tir lap din nay, ho^t dong toan quic ti tai Vietcombank An Giang vln khong ngung phat triin va giu mot vai tro quan trong, dong gop mot ph^n vao tong thu dich vu cua ngan hang Tan dung the manh cua tinh An Giang la co kim ngach xuat nhap khau hang nam kha Ion vdi hang loat cac doanh nghiep kinh doanh xuat nhap khau cac mat hang thuy san, gao, luong thuc hoat dong toan quic ti tai Vietcombank chi nhanh An Giang da dat dupe mot so qua nhat dinh: doanh so TTQT tang lien tuc tir 231 trieu USD nam 2010 len din 278 trieu USD nam 2012, phucmg thuc chuyen tien (T/T) lai la phucmg thuc chu yeu dupe cac khach hang ua chuong chiem tren 50% tong doanh si toan quic ti cua Chi nhanh Ben canh do, phi thu dich vu TTQT cung tang truong tucmg umg qua cac nam, niu nam 2010 si 3,75 ty ding thi sang nam 2012 la 4,5 ty ding, tin dung chung tir la phucmg thuc toan dong gop chu yiu vao nguin thu phi TTQT cho Vietcombank An Giang, chiim gin 50% ting thu phi TTQT tir 2010 - 2012 Vietcombank An Giang Iuon co vi thi hang diu lihh vuc kinh doanh dii ngoai tren dia ban vdi doanh so TTQT va phi thu Iuon lorn hom so vdi hai dii thu tiem nang la Vietinbank va Sacombank, thi phin on dinh a muc 29% qua cac nam tir 2010 - 2012, la thi phan ldm nhlt vi toan quic ti xuit nhap khiu toan tinh Ngoai ra, chat lupng dich vu ciia Chi nhanh da lien tuc dupe cai thien vdi cong nghe tien tien, trinh d6 can bp nhan vien va uy tin cua ngan hang doi vdi khach hang va ngoai nude khong ngirng dupe nang cao Tuy nhien qua trinh phat triin, hoat dong cua Vietcombank chi nhanh An giang khong tranh khoi nhung han chi dupe xem la nguyen nhan anh hudng din kha nang phat triin dich vu toan quic ti cua Chi nhanh thai gian qua, cong tac Marketing, tim kiim khach hang chua dupe triin khai hieu qua, san phim tai trp thucmg mai chua da dang, chinh sach lai suit, phi chua mang tinh canh tranh so vdi nhung NHTM khac tren dia ban SVTH: To Thi Xuan HongTrang 62 Mot so giai phap nang cao hieu qua hoat dong toan qu6c t6 tai ngan hang thucmg mai co phan Ngoai thuong Viet Nam — chi nhanh An Giang giai doan 2010-2012 Xac dinh duqc didm manh, diem yeu, ca hoi cung nhu nhiing thach thiic qua trinh trien khai dich vu toan qudc te tai Vietcombank An Giang \k ca sd de dtra nhiing giai phap phu hqp nhtr: chinh sach Marketing, cham sdc khach hang, chinh sach nhan su va cac giai phap ho trg khac nham hoan thien va phat trien hon niia dich vu toan qudc te thai gian tai 6.2 Ki^n nghi 6.2.1Doi voi Vietcombank An Giang Thi tnidng ngan hang cang dong due va tinh canh tranh cang cao vdi su xuat hien cua nhieu ngan hang lihh vuc toan quoc te, dang thu hiit cang nhieu khach hang ve phia minh, dan den sir chia se khach hang, phan chia lai thi phSn la dieu khd tranh khdi Do do, qua trinh thuc hien cac giai phap, Chi nhanh nen trien khai mot each kien dinh va d6ng bo, nham dua hoat dong toan quoc te phat trien ca ve so luoug va chat luqng, qua chang nhiing giii viing thi phan hien tai ma giup md rpng han nQa tuorng lai Hien tai cac hoat dong tai trp tai Chi nhanh van it so vdi nhu cau doanh nghiep Vi the, Chi nhanh nen trien khai them nhieu hoat dong tai trp nOa de thu hut doanh nghiep va giup doanh nghiep cd them nhieu su l^a chon Trong ngan han, Chi nhanh cd the day manh cac bien phap nhu: day manh trien khai cac san pham the TTQT, md rong cac kenh phan phoi hien dai nhu Internet Banking, Mobile Banking, xay dung website rieng va cac bien phap thu hut ngudn ngoai te cung nhu phat trien cac cdng cu phdng ngtra biln dong ty gia de thu hut va ^rn gia tang lupng khach hang hien tai cho Chi nhanh Cac bien phap dai han la: diy manh viec triln khai cac san pham dich vu tron gdi, tri, md rong moi quan he dai ly vdi cac ngan hang nude ngoai tai cac quoc gia khac nhau; chu cac giai phap ve nguon nhan lire va cdng nghe de dap ling cang tdt han nhu clu cua khach hang Dong thai cd nhung chinh sach quan tam, ho trp, khuyen khich doanh nghiep de thu hut doanh nghiep den giao dich vdi ngan hang nhieu han 6.2.2Bdi vc/i Vietcombank Hoi s& La mot cac ngan hang thuang mai cd phan cd ngudn gdc NHTM qudc doanh ldn nhat h$ thdng NHTM Viet Nam, cd mang ludi kinh doanh rong khSp nude va qudc te la mot nhung the manh rlt ldn phat trien hoat dong toan qudc te Do do, thai gian tdi, Vietcombank can tidp tuc phat huy han nua thd manh nay, tich cue md rong quan he dai ly vdi cac ngSn hang khip cac chau luc, dac biet nhung qudc gia la thi trudng xult nhap khau chii luc cua Viet Nam, gdp ph^n hd trp cho hoat dong xuat nhap khiu cua doanh nghiep, dong thai qua hoc hdi ky thuat va kinh nghiem ciia cac ngan hang nude ngoai gdp phan nang cao uy tin, hinh anh cua ngan hang tren thi trudng qudc te Vietcombank Hdi sd cln phai hd to Chi nhanh nhieu han cac hoat ddng tai to xu^t nhap khau Ben canh viec giup vdn cho Chi nhanh, Vietcombank Hdi sd SVTH: To Thi Xuan HongTrang 63 Mot s6 giai phap nang cao hieu qua ho^it dong toan qu6c te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam — chi nhanh An Giang giai doan 2010-2012 cung nen to chiic cac buoi tap huan de giiip Chi nhanh chu dong trien khai, van dung t6t cac nghiep vu mot each hieu qua Ben canh do, Vietcombank cin thvrc hien nhigu chinh sach nhlm tang cuong h trq cho doanh nghiep xuat nhap khau nhu: uu tien cung cap nhung goi tin dung uu dai lai suat cho cac doanh nghiep lihh vtrc gao, thuy san; keo dai thai han ho tra lai suat SVTH: To Thi Xuan HongTrang 64 Mot so giai phap nang cao hieu qua hoat dong toan quoc te tai ngan hang thuong msii co phan Ngoai thuong Viet Nam- chi nhanh An Giang giai doan 2010 - 2012 TAI LIEU THAM KHAO ?Tai lieu sach: 1.Tram Thi Xuan Hucrng 2006 Thanh toan qu6c t Thanh ph6 H6 Chi Minh: Nha xuSt ban Lao dpng - xa hpi 2.Trin Hoang Ngan Nguyln Minh KiSu 2012 Thanh toan qu6c tl Nha xudt ban Lao dpng - xa hpi 3.Nguyln Thi Thu Thao 2009 Nghiep vu tpan qudc te Truong Dai hoc kinh tS qudc dan: Nha xuat ban tai chinh 4.Ky ySu 20 nam (01/10/1991 - 01/10/2011) Vietcombank An Giang 5.Bao cao ket qua hoat dpng kinh doanh Vietcombank An Giang nam 2010, 2011,2012 6.Bao cao ket qua hoat dpng kinh doanh Sacombank An Giang nam 2010, 2011, 2012 7.Bao cao k^t qua hoat dpng kinh doanh Vietinbank An Giang nam 2010, 2011, 2012 8.Tran Anh Ngpc 2009 Giai phap phat trien dich vu toan xuat nhap khau bang phuong thuc tin dung chiing ttr tai Ngan hang Sai Gon thuong tin chi nhanh An Giang Luan van tot nghiep Dai hoc An Giang ?Website: 1.(Khong thang) Bilu phi Thanh toan qulc te [true tuyen] Ngan hang TMCP Ngoai thuong Viet Nam Doc tu: http://www.vietcombank.com.vn/Corp/Documents/OD%20345%20Bieu%20phi%2 0dich%20vu%20Chuven%20tien%20nuoc%20ngoai.pdf(doc 19/03/2013) http://www.vietcombank.com vn/Corp/Documents/OD%20346%20Bieu%20phi%2 0dich%20vu%20Nho%20thu%20chung%20tu.pdf(doc 19/03/2013) http://www.vietcombank.com.vn/Corp/Documents/OD%20347%20Bieu%20phi%2 0dich%20vu%20Thu%20tin%20dung.pdf (doc 19/03/2013) 2.(28 -09 -2009) Bilu phi toan qu6c tl [tnrc tuyln] Ngan Hang Xuit Nhap Khlu Viet Nam Doc tit: http://www.eximbank.com.vn/vn/dn bieuphi ttqt.aspx (doc 20/03/2013) 3.(Khong thang) BANG B- PHI DICH VU AP DUNG CHO GIAO DICH BANG NGOAI TE [true tuyln] Ngan hang TMCP Cong thuong Viet Nam Doc tir: http://www.vietinbank.vn/web/home/vn/fees/ngoaite.html (doc 20/03/2013) SVTH: To Thi Xuan Hong.Trang 65 Mot so giai phap nang cao hieu qua hoat dpng toan quoc te tai ngan hang thuong mai co phan Ngoai thuong Viet Nam - chi nhanh An Giang giai doan 2010-2012 4.(30/11/2011) THLTONG MAI - XNK Tinh hlnh xuat nhap khiu cua An Giang 11 thang nam 2011 [trurc tuyen] Sdr Cong thvrong tinh An Giang Doc tix: http://socongthuong.angiang.gov.vn/wps/portal/!ut/p/c4/04 SB8K8xLLM9MSSzPy 8xBz9CP0os3i3oBBLczdTEwN XvdzAO MD8vd9dOO 8wc 2CbEdFAEi9B54! /?WCM GLOBAL CONTEXT=/wps/wcm/connect/socongthuong/congthongtinsoc ongthuong/tintucsukien/sanxuatkinhdoanh/tinhhinhxuatkhaucuaangiangtrongllthan gnam201irdoc 05/04/2013) 5.(03/01/2012) THlTONG MAI - XNK Kim ngach xuit khiu nam 2011 cua An Giang dat 830 trieu USD [true tuy^n] Doc tu: http://socongthuong.angiang.gov.vn/wps/portal/!ut/p/c4/04 SB8K8xLLM9MSSzPy 8xBz9CP0os3i3oBBLczdTEwN XvdzAO MD8vd9dOQ 8wc 2CbEdFAEi9B54! /?WCM GLOBAL CONTEXT=/wps/wcm/connect/socongthuong/congthongtinsoc ongthuong/tintucsukien/sanxuatkinhdoanh/knxkagnam2011 (doc 20/04/2013) 6.(26/12/2012) THUONG MAI-XNK Kim ngach xuat khau nam 2012 ciia An Giang tang so cung ky [trirc tuyen] Doc tu: http://socongtliuong.angiang.gov.vn/wps/portal/!ut/p/c4/04 SB8K8xLLM9MSSzPv 8xBz9CP0os3i3oBBLczdTEwN XvdzAO MD8vd9dOO 8wc 2CbEdFAEi9B54! /?WCM GLOBAL CONTEXT=/wps/wcm/connect/socongthuong/congthongtinsoc ongthuong/tintucsukien/sanxuatkinhdoanh/hdxnk2012 (doc 20/04/2013) SVTH: To Thi Xuan HongTrang 66 ... tai Vietcombank An Giang (2010 - 2012) Bang 4.6: Doanh so toan hang nhap khau cua Vietcombank An Giang (2010- 2012) Bang 4.7: Doanh so mua ban ngoai te tai Vietcombank An Giang (2010 - 2012) 27 32... Viet Nam - chi nhanh An Giang giai doan 2010- 2012 18,84%i6,i Nam 201 0Nam 201 1Nam 2012 • L/C •Collection HT/T Bieu 4.6: Ty toan hang xuat khau ciia Vietcombank An Giang (2010- 2012) De dang nhan... dong toan quoc te tai ngan hang thuong mai co phan Ngoai thuctng Viet Nam - chi nhanh An Giang giai doan 2010 - 2012 DANHMUCBANG Bang 3.1: KSt qua hoat dong cua Vietcombank An Giang (2010 - 2012) '