lien quan trqc tiep den chat lugng them djnh tai chinh dy in cue chi nhanh. Thong tin ye se lugng tic doanh nghiep sin xuat cling loci sin pham trong ding mOt khu we thi twang; mire cau ve sin pham ding looi trong nam; mire cung thyc to ve sin phim cling loci trong nam; thong tin ve gii ca, thi throng tong nuerc va qu6c te, kim ngoch xuat khan trong nhing nam qua, quy hooch ke
hunch du tit, djnh hthing phat trien do 60, neinh xic djnh va cong 66.
De co dirge khei lugng 16n thong tin vai chit lugng tot thi can 60 them dinh can phai c6 stir chuan bj, to chirc cac cueic ',hong van mOt each chu dao va nghiem dm ket hgp vai Icy Wing quan sat va giao tiep tot. Ben wilt d6, chi nhanh cling di the thu chop thong tin ve doanh nghiep tir tic nguen khic nhu tit phia cac bon hang, d6i tic cue
doanh nghiep, hay dieu tra tit cic nem hang, t6 chirc tin dung tram Ida timg c6 quan h6 voi doanh nghiep hoac nhtr sir trq gi6p caa ac cong ty kiem toan.
Chi nhanh cling can phai xay dung vi hoan thien he thong thu thap, xi: 19 th8ng tin ve thj truemg, khach hang. Ben curt do, chi nhanh cling an phat thin he tilling thong tin tir ben ngoii theo huemg mei qua h6 thong mung th8ng tin, trong tarn thong tin trong nu& va qu6c 4. Day li met nguon thong tin rat an thitt ma chi nhanh an tang artong hqp tic v6i cac NHTM, the be, nganh, ac co quan, to chirc khac de khai thac vi tan dung thong tin.
De thuc hien duqc nhang dieu nay dei hal chi nhanh an phai trang N met he thtmg cong nghe thong tin hien dui duqc ket not met mach trong tan hg thtmg. Chi nhanh nen nghien dm (mg dung ac phan mem tin hue d6 munh ye quail 19, luu hit, phan tich vi truyen tin nham dim bio tinh chinh 'tic cilia thong tin phuc vu cho cong tac thim djnh.
3.3. Ket lutn diming 3
Tit awe trung cho vay du in du to vi cong tac than djnh tai chinh dkr in du to tai NH TMCP Sai Gen - Hi NOi chi ['Minh Bic Ninh trong giai clop 2012 - 2014 vi kien dirk duqc hoc Uri twang Dui hqc Thang Long. Trong chuong 3, em da dua ra met so giiti phap nham nang cao chat luqng dram djnh tai chinh dkr an du to trong hoot Ong cho vay tui NH TMCP Sii Gen - Ha Ned chi nhanh Bic Ninh.
KET LUAN
Trai qua gait 22 nim hoot dOng, NH TMCP Sai Gen — Ha NOi di Wing ngimg phat trien, nang cao va khing dinh vi the dm mink. De dap ?mg duqc nhu Cu phat trien math me dm nen kink to nhu hien nay, met trong nhemg yin de an quan tam hang dau dm NHTM neri chung cling nhu NH TMCP Sai Gen — Ha NOi thi rieng la phai 'neon luon ning cao chit luqng thim djnh di chinh dv an. Tuy nhien, met van de
phac tap can phai c6 sv nghien can va thvc hien ding b40 vtg.ri nhieu phuang phap khac nhau.
Tren ca se nghien dm 19 thuyet va qua thei gian thvc tap tai NH TMCP Siti Gen — Ha NOi — chi nhanh Bic Ninh, em di phin it hieu dirge nOi dung thiun djnh tai chinh di; an trong hoot dung cho vay ciut ngin hang thuang mai. Sau khi dua ra phan tich ve thvc trong chit lucing thim djnh di chinh du an du to trong host dOng cho vay tai SHB chi nhanh Bic Ninh, em di math dan dua ra met so giai phap yr% by vqng c6 the ning cao ducic chit lutyng thkm djnh tai chinh dv an du to tai rieng vi them djnh di/ in an chung.
Em xin chin thanh cam an giiing vien: Th.s. NO Khdnh Huyin la co gift° di
huang Mn va chi Ho tin tinh em trong qua trinh holm thien khoa luin. Wing then em cling xin chin thanh cam an den tom bi) an b0, chuyen vien phong khach hang doanh nghiep — SHB chi nhanh Bic Ninh di &up der em trong qua trinh thvc tip tai ngin hang va hoan thien WU viet nay.
Do thei gian thvc tip va ki'en thirc thvc to con han the nen trong qua trinh both thien Hi viet khong the tranh khoi nhUng sai set, khiem khuyet can sira chfta, khic phvc. Em rat mong thin duqc stir d6ng Op tir they co cling toan the can b0, chuyen vien ph?mg khach hang doanh nghiep — SHB chi nhanh Bic Ninh de giap em holm thien Mt hen khea lu$n cea minh.
PHV LVC
1. Bio ket qui hoot dung kinh doanh nom 2012. Ngfin hang Thuong mai c6 phan Sai Gon — Hi NOi chi nhanh Bic Ninh. Sai Gon — Hi NOi chi nhanh Bic Ninh.
2. Bao ket qui hog dOng kinh doanh nom 2013. Ngan hang Thucmg mai c6 phin Sii Gim — HI NOi chi nhinh Bic Ninh. Sii Gim — HI NOi chi nhinh Bic Ninh.
3. Bao kit qua hoar dOng kinh doanh nom 2014. Nein hang Thircmg mai c6 phan 81i Um — Hi NOi chi ntilmh Bic Ninh. 81i Um — Hi NOi chi ntilmh Bic Ninh.
4. Bing can 6i Ica roan nom 2012. Ngan hang Thucmg mai c6 phan Ski Um — HA NOi chi nhanh Bic Ninh. NOi chi nhanh Bic Ninh.
5. Bang can dei ke roan nom 2013. Ngfin hang Thucmg mai c6 phan Sli Gon — HI NOi chi nhanh Bic Ninh. NOi chi nhanh Bic Ninh.
6. Bang can dei ke roan nom 2014. Ngan hang Thircmg mai c6 phAn SkiGen — HA NOi chi nhanh Bic Ninh. NOi chi nhanh Bic Ninh.
SHB
parlrver,
NGAN HANG TMCP Si! CON - HA N01 CHI NHANH BAC NINH
BAO CAO KET QUA HOOT HONG KINH DOANH
Mint 2012
STT Chi din NI= nay
-
31/12/2012
Nim bulk 31/12/2011
1 Thurkip III Iii vk cac khan thu nhop Wang ty 10,907,262,069 -
Trong 66: Thu Ili diIu von 10,763,536,444 -
2 Chi phi Ili vi clic chi phi wog tu Ili 5,044,963,140 -
Trong 66: Chi Ili dilu von 587,306,849 -
I Thu aMip it than 5,862,298,929 -
3 Thu nhiep tit hoot Ong dick vy 13,918,369 -
4 Chi phi hogt Ong dick ve 331,281,313 -
II LIS than tit boot Ong dick int (317,362,944) -
HI Laid than ti hoot dang kink dunk mg* it& 13,058 -
IV I11/16 than tir mut bin eking khan kWh donut - -
V LM/I6 than tk mat bin eking khan din in - -
5 Thu Mop ter hoot (long khic 4,736,456 -
6 Chi phi hoot Ong khic - -
VI Lit/!8 than ti but thing khic 4,736,456 -
VII Thu nblep tk g6p van, mita a phis - -
VIII Chi phi hoot daft 5,060,703,896 -
~
S Lot sheen titan tir hoot dans Mali Amok trait
cbi phi thy phing rii ro tin dung 488,981,603 -
X Chi phi dtg &tong rill ro tin dont 36,830,392 -
XI Tang lqi BM* Mott that 452,151,211 -
7 Chi phi thug TNDN hien hilith tern tinh - -
8 Chi phi thug TNDN holin lei - -
XII Chi phi that TNDN tom tisk -
XIII Iqi nbu$n can that 452,151,211 -
Bdc Ninh, nghy 05 thong 01 mbn 201.
14P Win PTP. Kt toin Glint ac
1101 SHB phd portnns floxiblr..olohons
NGAN HANG TMCP SAI Gem - HA NQI CHI NHANH BAC NINH
BAO CAO KEPI' QUA HOST BONG KINH DOANH
nun 2013
SIT Chi din 31/12/2013 Nim Sy 31/12/2012 Nitm trade
I Thu nh$p ill Ili IA cic !chain thu nh$p tuong ts 64,311,531,166 10,907,262,069
Trong do: Thu Ili didu von 48,480,358,616 10,763,536,444
2 Chi phi Ili vi cic chi phi Wong is Ili 51,802,449,507 5,044,963,140
Trong de: Chi Ili &au von 12,036,523,638 587,306,849
I Thu nh$p lid than 12,509,081,659 5,862,298,929
3 Thu nh$p tit host dOng djch vs 448,431,162 13,918,369
4 Chi phi host dOng djch vs 244,865,303 331,281,313
II Mal than Br boat dOng dick vy 203,565,859 (317,362,944)
Lila than ti boat Ong blab death nyoyi MU 119,325,767 13,058
HI
IV LiWai Chain ti man bin &keg Mamba kiab doaab - -
V LIMO than ti inn bin arty khan din tw -
5 Thu nh$p ti host gong khic 61,653 4,736,456
6 Chi phi host dOng khic 13,500,001 -
VI Lida than ti boyt dOng khic
Thu nh$p ti g6p von, ma* cilj) .---
(13,438,348) 4,736,456
-
VII
VIII chi phi hoyt (14)ay 9,894,794,104 5,060,703,896
4 41 auk thaw ti hoyt Ong Mai doanh not
chi phi dq phony ril ro tin Amoy 2,923,740,833 488,981,603
X CM phi dq phony rii ro tin dyng
Tong 191 abate trade that
2,080,489,874 843,250,959 843,250,959
36,830,392 452,151,211 452,151,211 XI
7 Chi phi Uwe TNDN hiln hanh tom tinh
8 Chi phi thue TNDN holin Isi -