III. Theo tai sin dim ha°
T) ne xau hen ng qua hen CVTD 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
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 khi 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, trong 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 do 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.
(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, do clic tinh cua thi throng, nen nheorn KHCC cling thirtmg tap trung the thanh 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, khi thu nhop ciia ngutri din tang len, s6 itnyng ngtrtri co thu nhip cao ding tang, di kern vei str ra 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 nhau 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 trong 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 duy tri va phat trien quan he yea KHCC hien tai ding nhu KHCC trong 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 duy tri !chi nang thanh Ichoin va dem lai lqi nhu$n cao nhit cho ngan hang. Hien nay,
TPBank c6 ngu6n von tang truemg on djnh qua cac nam, tuy 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 trong 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 ra nhOng tin dal khuyen khich viec ma the TPBank. NhCrng uu dal cho KHCC khi mer the 6 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 khi sir dune the Visa dm TPBank de thanh toan cac dich vu tai san Golf,...
Thir ba, da dung beta ki han girl tiers: dtra ra !Neu loai that han khac nhau (v6i mut lai suAt ttrcmg img), cho phep KHCC duqc lira chon ki han bAt ki trong gi6i han ki han tai da cim ngin hang, dap img nhu cAu ctia cac d6i tuqng KHCC khac nhau.
Thfr hr, chimg khoan has cac loai tien gut Hung va dai han de ngu&i so Mu co the chuyen dui khi 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 trong 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 ra quyet djnh phu hqp, ngan hang an dAc biet chit trqng den cong tic thAm djnh trong quy trinh cho vay tieu dung KHCC cua minh. Hien nay, TPBank ming dang thay din theo huemg chuyen m8n hem cao cac khau trong quy trinh cho vay. Ngoli ra, trong 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 trong 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
trong khi ding Sc tin dung 661 WM mot ltrqng thOng tin ngay 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 9 nghia thiet thoc. MOt s6 giii phip tarot mit can
thoc hien: xay dong he among
thap, sang We va xir 19 nguen thong tin tit bao chi;
hoan thien ky nav
e sir dung he then! thong tin tree bao chi cho can ba tin dung
-, thiet