III. Theo tai sin dim ha°
tap mhi quan 114 vtri mot so co
quan thong tin bao chi nhim cap nhat, narn bat kip thin
1
nhang thong tin lien quart den KHCC vay von tieu dung; img dung khoa hqc ding nghe hien dai song cap nhat thong tin tir nhieu An phart
n bao chi trong nuac va bao chi
nutic ngoii. Tieu chi nay de ra de a
p dung voi riltem khfich hang Sieu cao cap, co the la cfic lanh dao cap cao don vi HCSN dm
Nha ntrac, vai miii h6 so vay vim, KHCC can phai co day dit giiiy Vs de chirng minh nguon
Si chinh va mac da uy tin cila mirth, thi ngin hang mai xem xet cho KHCC vay. Val KHCC Our bi) truerng, "tit trutmg thi viec vi hal lchich hang cung cap giay to lien quart den viec 66 nhiem chin vu la 'chi
moo, vi thtri gian gap cac del tuqng nay khone nhieu, neu ngan hang dig h6i khich hang cung clip nhie'u giay ta se lam hg cam they hucmg phip nay
phirc tap va ten thin gian, se c6 lcha nang lam cho Ichich hang khong mute vay vim nitre. Chiral vi the, p
giiip CBTD them dinh nhanh chtmg thOng tin xic thoc ve chile vu
va then gian KHCC
dirge be? nhiem, rig ngin thin gian cita ca hai ben, nhanh thong thim dinh va ra guy&
Nang cao hi4u qui ciia tong tic kiem tra, kiem soit: la viec
lam h
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 trong hoat dOng curt
(7) Thit MO ughiam tic &ig tic
►
kii tra m , glim sit sail khi cho vay
ngan hang.
Ben canh viec twin thien ding KHCC
thim dinh KHCC, TPBank cang can chit acing
kiem era, gin sat sail khi cho vay tieu dung KHCC
da phut hien kip thin nhang Si ro c6 the xay den cho khoin
von dm mirth. Viet lam nay khong
nhang c6 the ngan chin
duqc 9
d6 sir dung tin vay kitting dung moc dick eita KHCC
ma con co the g iim nem
ngu
hang xac
dinh duqc dais hieu dm cat khoin vay c6 van de, tit
do c6 nhang bi4n phip
xir ly can thiet, han the den mac thew to ca
n that ce the xay ra. Cong Sc kiem tra
Om sit lchong nen chi du
vao nhang s6 lieu, bio cao do KHCC cung cap ma can
C4
so kiem tra tau tie dot can bk.
) ngan hang den tint hint Si chinh that to cita KHCC
hien trang thug to dm Si
sem dim bio, hay nang !tic Si
chinh cliraeri bao loo (trong trutmg h bito dam la bio lanh cita ben this ba, thutmg ap dong cho KHC
thuoc nhem KHCC tiem cling).
(8) Gill phip x* 19 nq xiu, nq qui has
Giai down nam 2012-201 4 ghi nhan skr gia tang ve quy mo nq qua hart, nq Au 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 nq va xem xet giam Iii sat met each hop 19 cho KHCC c6 khO khan vuOng
mac gi
trong viec tra no. cua
Tang cueing trich sir dung du phOng rid node xir 19 no Au theo quy dinh 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 ra nely cang gay git, va hien tuqng
chi man chit xim dugc de cap den nhu met tit yeu minh back, ximg ding veri khach quan nhtr ngan hang kh8ng c6 chE de dai nge
nang lvc va mong muon cita nhan vien.
tsrc mph 11 gia tri cot cita ngan hang", trong 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 ngay 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 pho 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 trong 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.
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 pho va NHNN nen c6 chit twang cho phep thank cac cong ty thong tin tin ding to nhan hoat dOng song song yeti CIC. Day 11 mi?
't trong nhang chi diu tich 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 trong 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.
Cac vi pham phai ca ch .
& tai xir 19 re• rang, minh bach va phai duqc thud thi mOt each chinh xac, cu the.
Thin hai, sir dung hieu quit the cong co quan 19 den te: chinh sich tien te, lai auk, cho vay tieu dimg, de" cac NHTM them chieu vi dua ra mire phi hqp cho
dOi
tuqng KHCC vay. Cie cong cu nay phai duqc sir dung link boat, phei hqp yen nhau 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 trong tam thong tin cho vay (CIC): CIC la t6 chirc str nghiep Nha nu& thugs
NHNNVN, ca chirc rang thu 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 nay CIC van con hoat ding chua that quan tong
su hieu qui, cac thong tin dua ra va thisi, gay Ich6 than cho n con thieu sit va chua kip cac Vi the met trong !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 ra cho the NHTM.
KET LUAM
Cho vay tieu dung KHCC la mOt trong nhting hoat deng dem lai Iqi nhuan lam cho Ngan hang. Mu6n phit triers tot sin pham nay Ngan hang can rising cao Gong tic 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 con 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 nay.
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 trong 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 tieu &mg se mang lai nhiEu lqi nhuan cho ngan hang nett lanh ciao ngan hang ding
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 trong 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 ra met hinh lang yang chk cho Ngi'n hang TMCP Tien Phong phat hien cho vay tieu dung KHCC co hiEu qui.
Veld hieu biet co han, lai chua co kinh nghiEm thac to nen bii viet con nhiEu sai set trong viEc dua ra vi lim re cic nguyen nhan ten tai vi tim ra cic giai phip khic phac nhftng tan tai not teen. Nhung em mong rang, nhang gill phap em dua ra se c6 gia trj tham khio doi veri Ngan hang, phan nio dua ra phucmg twang de phit triers cho 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.
TAI LI$U THAM KHAO
1. Giao trinh Ngan hang thtrcmg mai - TS Mai Van Ban, Nha xuat ban Tai chinh nam 2011
2. Giao trinh Ngan hang Thucmg mai - NGUT TS. To NgQc Hung, Nha xuat ban Thong ke, 2009
3. Quan tri Ngan hang thucrng mai — GS.TS Nguyen Tien, Nha xuat ban Thong Ice, nam 2013