Nâng cao hiệu quả hoạt động cho vay khách hàng cá nhân tại SGD ngân hàng TMCP an bình (ABBANK)

BỘ GIÁO DỤC VÀ ĐÀO TẠO ĐẠI HỌC KỸ THUẬT CÔNG NGHỆ TP. HCM KHOA QUẢN TRỊ KINH DOANH ---------- ĐỀ TÀI NÂNG CAO HIỆU QUẢ HOẠT ĐỘNG CHO VAY KHÁCH HÀNG CÁ NHÂN TẠI SGD NGÂN HÀNG TMCP AN BÌNH (ABBANK) GVHD:  SVTH: H  06DQTC MSSV: 106401307 TP Hồ Chí Minh, 20.06.2010 GVHD: T SVTH: H Th  ii L  u cng kt qu    li    c thc hin ti    t k ngu nhing v s . Tp.HCM18 09 10   GVHD: T SVTH: H Th  iii LI C     n lc, c gng  b  nhii Hc K Thu   TP H                     n Tr Kinh Doanh,  ng dn, truyt cho em mt kin thc vng cht nhic bi-  tin vc trong s nghip c    c, anh Nguy,  c anh ch o mu kin tt nht cho em thc t dn. Cng nghii kin th  c tp cn. t chc cht mong s n ca th   i vit H Th  GVHD: T SVTH: H Th  iv NHA  TP H  GVHD: T SVTH: H Th  v NHA  TP H  GVHD: T SVTH: H Th  vi MC LC LI M U 01 1. A VIC CH  . 01 2. NH V U 02 3. U . 03 4. U 03 4.1  03 4.2  03 5. NG DNG C U . 04 6. NU . 04 :  V V HIU QU CHNG NG 1.1  CHUNG V  . 05 1.1.1  . 05 1.1.2  05 1.1.2.1  i hn cho vay 05 1.1.2.2   dng . 06 1.1.2.3   m c . 06 1.1.2.4  c cho vay 06 1.1.2.5  ng tr n . 06 1.1.2.6   n vay 06 1.1.2.7  ng 06 1.1.3 ng 07 1.1.4 ng 09 1.1.5 Bng . 09 1.2  . 10 1.2.1  . 10 1.2.2  . 10 1.2.3 i vi NHTM . 10 1.3  V NG 11 GVHD: T SVTH: H Th  vii 1.3.1  t 11 1.3.1.1 Doanh s cho vay . 11 1.3.1.2  cho vay 11 1.3.2  . 11 1.3.2.1  . 11 1.3.2.1.1 i vi v v kh i n vai hng thm bo t  vay nh c dng. 13 1.3.2.1.2 i vi v s  dng sn phng . 14 1.3.2.2   15 1.3.2.2.1 N n 15 1.3.2.2.2 T l li nhun t ho . 16 1.3.2.2.3 T l  ng ngun vng 16 1.3.2.2.4 T l n  16 1.3.2.2.5 T l n x . 17  KHC T HO I ABBANK-SGD TP HCM 2.1  SDG HCM . 18 2.1.1 n ca ABBANK-SDG HCM . 18 2.1.1.1 Gii thii C ph . 18 2.1.1.2 Gii thi- SGD TPHCM 21 2.1.2  hou SGD TPHCM . 22 2.1.3 Ni dung ho 22 2.2             SGD TPHCM 22 2.2.1 Mt s vn  n trong hong t SGD TPHCM . 22 2.2.1.1 c cho vay 23 2.2.1.2 u kin cho vay 23 GVHD: T SVTH: H Th  viii 2.2.1.3 t cho vay . 25 2.2.1.4 i   . 25 2.2.1.5       i    . 28 2.2.1.6 Sn phm TDCN ti  SGD TPHCM . 33 2.2.1.6.1 p (YOU-MONEY) 33 2.2.1.6.2  chp (YOU-SPEND) . 34 2.2.1.6.3 Cho vay sn xut kinh doanh (YOU-SHOP) 34 2.2.1.6.4 YOU- CAR) . 34 2.2.1.6.5 a chYOU-HOUSE). . 34 2.2.1.6.6 Cho vay cm c c phit 35 2.2.1.6.7 Cho vay mua c phit . 35 2.2.1.6.8 Cho vay mua c phu thuc EVN . 35 2.2.1.6.9 Cho vay du hc (YOU-STUDY) . 36 2.2.1.6.10 Cho vay cm c STK/S n . 37 2.2.1.6.11 Cho vay b sung vn SXKD dch v (YOU-SHOP PLUS) 37 2.2.2  a 39 2.2.2.1  . 39 2.2.2.2  43   2.2.2.2.1 , li nhun cho vay . 43 2.2.2.2.2  n  46 2.2.2.2.2.1 n phng . 46 2.2.2.2.2.2 m bo . 48 2.2.2.2.2.3 n vay . 49 2.2.2.2.2.4 i tin vay . 51   2.2.2.2.3  n xu, n n trong ho ho . 52 GVHD: T SVTH: H Th  ix 2.2.2.2.4 Th  ng ca ABBANK 55 2.2.2.2.5 i nhung d n  . 57 2.2.2.2.6  l  i vng . 58 2.2.2.2.7 n trong ho ho: . 58 2.2.3             SGD TP HCM . 59 2.2.3.1 V ng t 60 2.2.3.2 V nhng mt y hin qua s liu hong: 60 2.2.3.3 Ho 60  GIHIU QU HONG CHO VAY I ABBANK  SGD TP HCM 3.1 M  . 62 3.1.1 V a ABBANK cu 62 3.1.2 K ho . 63 3.1.2.1  . 63 3.1.2.2  SGD TPHCM . 65 3.2 MT SY MNH HIU QU HOT  . 67 3.2.1 ng mt m c 67 3.2.2 Khc ph . 69 3.2.2.1  . 69 3.2.2.1.1 ng c gi  . 69 3.2.2.1.2 C chc hong t   c 71 3.2.2.1.3   i n cht ch . 72 3.2.2.2 ng dch v . 73 GVHD: T SVTH: H Th  x 3.2.2.2.1 ng h thn tham chii vi tng sn phn phng . 73 3.2.2.2.2 i tin sn phng c  74 3.2.2.2.3 Kt hp tip th sn phng vn ph  74 3.2.2.3  . 75 3.2.2.3.1 Gi vng nim tin  m c . 75 3.2.2.3.2 Xp h 75 3.2.2.3.3  . 75 3.2.2.4  . 77 3.2.2.4.1 ng c   ng vi nhn th     ng 77 3.2.2.4.2 i vi tng giai  thu i ca th ng m 77 3.2.2.5 ng h thng thu th d ling thi kt hng d  qum ng, h tr hong . 78 3.2.3 i v          xut mt s  th nhm thc hic ch  78 3.2.4  xu . 79 3.3 MN NGH . 80 3.3.1 V  . 80 3.3.2 V c 80 KT LUN . 82 DANH MU THAM KHO 83