Su phut trien cho vay tieu dimg KHCC a met NHTM chn yeu do chinh nOi lye
cua ngan hang quyet dinh. Trong de phai nhAc den mOt so nhan to chinh nhu:
Dinh twang phdt Irian can nein hang
Day 111 dieu !den tien quyet de phut trien hoat dOng cho vay tieu clang KHCC. Neu trong ke hoach phut trien cua minh, cac nan hang ;thong quan tarn den hoat dOng nay, thi khi khich hang thuOc nh6m KHCC c6 nhu au ve vay tieu dung se Wong duct quan tam. Nguqc lai, neu ngfin hang main phut trien boat dOng cho vay tieu &mg nham tai KHCC thi ho se Qua ra nhfing chien Itrqc cu the de thu but khitch hang den viii mirth. Vi khi de, cung cau se ce didu kien Union lqi de gap nhau, cling 05 nghia la cho vay tieu dimg KHCC se c6 nhieu co hen phit trien.
Nang lirc tai chinh can ngan hang
trong do c6 cac quyet dinh ve hoat dOng cho vay tieu dung. Nang Luc tai chinh cua ngan hang dugc dua tren mOt s6 yeu t6 nhu se) lurrng vim chit se het, tjr le phin tram lqi nhuan nam sau so veri nam tank, tjr trgng nq qua han tren tong du nq, só luting tai sin thanh khoan. Neu ngan hang c6 von chit ser hfru Ian, tS , I 'e ph'An tram Igi nhuan Ian, nq qua han thap va co s6 Wang tai sin thanh khoan Ion, kha nang huy Ong v6n Ion trong Mai gian ngin thi co the coi la co sirc manh ve tai chink. Khi ngan hang co* sac manh tai chinh Ion thi co the dAu to vao cac danh muc ma ngan hang quan tam, tir 46 hoat deng cho vay mai c6 ca hOi phat then, va nhom dot tugng KHCC cling co ca hOi de sir dung va tan Wang het nhung sin phim cua ngan hang. Ngugc loi, neu ngan hang khong co dugc so win can thiet de tai trq cho cac hoot dOng dugc uu tien han, thi hoot dong cho vay tieu Ming se co it ca kqi phat trien.
Chink sach tin dpng cua nrin hang
La hg thong chit chtrang, dinh huong quy dinh chi ph6i hoat tin dung do hei &Ong quan tri dua ra nhem sfr dung hieu qua ngutin win de tai trq cho cac doanh nghiep, be gia dinh va cac ca than, trong do da bao gem nhom KHCC.
Thong throng chinh sach tin dung co cac khoan muc sau: han mire tin dung, cac
foal hinh cho vay ma ngan hang thin hien, quy dinh ye tai san dam bao, k Sr han coa cac
khoan tin dung, huang giai guy& phan tin dung vugt qua mac cho vay, ckh thirc thanh toan nq,... Chinh sach tin dung vach ra cho CBTD huang di va khung tham chieu re rang ve can city de xem xet cac nhu au vay v6n. Neu nhu cho vay tieu dimg kh8ng nam trong danh sach cho vay cua ngan hang, hoec, ngan hang co dp dung cho vay tieu clUng nhung kh8ng co chi tieu nay dOi veri nhom KHCC thi cling la nheng Ich6 khan nen nhu cac khach hang nay c6 nhu cAu tiep 'dm nguon von dm ngan hang.
Vi du nhu, Whom KHCC la nheng ngutri c6 kha nang ve tai chinh rO rang va On dinh, do skr phat sinh nhu cau tieu dung ngoai muc thu nhop hien tai, hoec phat sinh nhu eau di du lich nuem ngolti nhung khong the mang theo qua nhieu tie'n met, Itic nay can tot sir WS trq vein tir phia ngan hang, nhung ngfin hang loi kitting cho vay theo the tin dung hoec khong c6 chinh sach cho vay tieu dimg, thi nhltng khach hang nay di co du kha nang chimg minh thu nhop hay phucmg in tra nq cling khong the tiep can nguOn von cua ngfin hang dugc.
Do su canh tranh glib cac ngan hang ngay cang gay git nen co chinh sach tin dung dung din la yeti to thu but khach hang hien qua. Nham KHCC la Siang ngutri co kha nang chi tri on dinh, nen viec nem hang da dong h6a sin phAm, ap dung lai sulk hgp !Sr, la dieu kien tot de thu but cac khach hang nay den veri ngan hang, tir da phat trien san phAm cho vay tieu dung KHCC.
Do trinh cling nhu Aso der nghI nes* cda Sc CBTD
Dieu nay c6 anh huOng kh8ng nho tei kha nang phat triEn cho vay tieu dung KHCC cita cac ngan hang thucmg mai. Neu nhu dao dirc ngueri vay dugc xep vio vi tri hang dAu trong cac nhan t6 khach quan thi dao dire CBTD dugc xep vao vi tri hang dAu trong yeu t6 chit quan. Neu CBTD ce trinh 40 nhung khong co dao dtic nghe nghiep thi cling v8 gia trj, vi lqi ich ca nhan hg se sin sang lam din hai tai lgi ich ngan hang. Trinh d0 chuyen mon cua CBTD Ong can dugc trau doi va phat hien thi mai tham djnh chinh xac ve khach hang cling nhu phuong in tra nq ctia khach hang, tir da dua ra quyet djnh dung din.
Neu tiep Vic v6i Ichich hang thong thurang da Ich6, thi khi tier) Vic veri cac KHCC se con khe hen, ben hg la nhUng ngu&i c6 trinh dO hpc van cao, c6 mac thu nhAp cao hen khach hang thong thuang nen deli khi nhu cAu vay tieu dung cimg it hen vi thmang la nhang khich hang kh6 tinh, khit khe. DE gieri thi'eu va thu but sv chit 9 cila hp tai sin pham cho vay tieu dimg se an str kheo leo vi nhanh nhay tir CBTD. Moi CBTD la met hinh anh dai dien cho ngin hang, neu khach hang cam thay an tam khi tiep Vic veri CBTD thi hg se (fling y tim hiEu vi sir dung dich vu cho vay tieu dung cua ngan hang. M6i quan he cua CBTD cling gap phin lam thitc day phat triEn cho vay tieu dung KHCC, beri khi CBTD c6 m6i quen Net rung, CBTD co nguon khach hang cao cap cang nhieu thi ca hei phat filen cho vay tieu dung veri doi Wang khach hang nay cang cao.
Trinh dQ khoa hpc ding nghf va khe nang vain 15 ciao nem hang
Day cling la mOt trong nhang nhan to quan tong anh huerng tai sr phat trien cua hoat deng cho vay tieu dung KHCC tai mai nem hang. Neu ngfin hang dugc trang bi ding nghe hien dai thi se tang tien ich Ichich hang vi dich vv dinh cho KHCC se dugc biet den nhieu ham. KHCC la d6i Wang kith hang doi hoi cac yeu tt dich v4 cao hen khach hang ca nhttn thong thuang, khi cac dich vv nhu the thanh toan, Internet banking,.... cang den ich, nhanh chOng bao nhieu thi cang dE lai dugc An tugng cho khach hang bAy nhieu, tir d6 tao thuan lqi cho sv phat triEn cho vay tieu dung KHCC.