hog dOng kin!. doanh: Trong nhimg nam qua nguin vdn huy dOng Wang ban chilm ti trong ngay tang lem phi hop vol yeu cau del hed ciia nen kinh ti la Ody manh cho vay then du an. Ben cart d6 la ngudn von huy dung to clan cu tang twang nhanh thong chiem trong 60% ngutin vein huy demg.
DR3110C ISM WW1 13A0 C.110 TIWC TAP + Mang lath huy dang van tang bmdc duoc ding ca va m6 rung: TIT m6 IAA mang Idea huy dOng van chi nhinh truyen th6ng ka hop yeti ma hinh ngan hang km dOng da tide tat m0 hinh mang Itrai phan phial hien dai, day 11 yeti to quart trong trong viec huy dOng van tai chi) nher 116 ma 15i mat dau vao co xu huOng giam bon so vai huy Ong van tb tic TCTD hay phat hank giay ter c6 gia. Cling nhb mang ludi thuan tian ma din hanh thu hen, huy dOng lien gel ngoai to ca USD va EUR dim brio hot Ong kinh doanh them phong phti da Ong.
+ Chinh sach kith hang duo quan tam hon. NHNo&FTNT tinh Hai During xic dinh kith hang giU vi tri quan trong no inh huOng truc hip den qui mg, co cau va chat long cim again van huy dOng. Chink vi v5y ma xay dung chien hroc khich hang de to d6 c6 chinh sach cham sec kith hang ugly met tat hon.
3.0.2 Nguyen titian thu duo kit qud Wen.
Dart duoc nherng kD qua tren la do trong gong tic quan li va diet' hanh NHNo&FTNT tinh Hai During da nhan th0c dung clan 4 vi vai tr6 quan trong tea cOng Mc nguan van Ira diet' hang van trong hog dOng kinh doanh.
Ngan hang da di ra nhfmg mac lieu nhigm vu tang thai Id a lam t6t chet nang tap trung nguan vein nhan roi, nhb le nem rai rac trong xa hOi raj chu chuydn van cho nen kinh to trong diet] hen phai ddi ph6 vai lip luc canh tranh tit ddi the nen thi truing. Mat khic ngan hang cOng chb dOng khai thic them nguan van a b6 sung hoar demg kinh doanh tir d6 ding c6 vi the aim ngan hang Map cho cOng tic huy Ong van cua ngan hang them sinh clang va hieu qua.
+ COng tac Marketing doe quan tam dung mac. C6 bien phip tuyen truyen quang cio thuang xuyen, sau rOng...dua boat dOng cua ngan hang vao del sang tea nguai dan nhu met phiin khOng thd thieu.
+ Mang Judi giao dich trio Slot cho khich hang lam cho ngueri dan khOng phai tan nhieu then gian a di lai va cha clqi.
3.5 Nliling ton fat va nguyen nhan trong cOng Inc huy dOng von.
3.5.1 Nhimg ton cal.
Ben canh nhilng thanh cOng thl clang tic huy dOng van dm ngan hang cling c6 nhieu han chi can lchac phut, do la:
+ Minh fink va kl ban huy dOng van chug that str phong phi, co ban van sir dung tic hinh thirc huy 'ging truyen thdng. Day la hp chi 16n nhnt chug thich dng veil co chi thi truing MU ma c6 au canh tranh rat 16n fv phia tic dart the do d6 neu ngan hang khOng kip thai mer rang huy Ong van thi rat kho trong viec huy dens duoc day du van cho chiin leo kinh doanh cua ngan hang.
+ Co cau ngudn von chug phu hop vai nhu call sir dung van. Ti trong nguon van trung dai han tho ti than hon so v6i du nq trung dki hart. Van ghat hkili bang giay tb c6 gio chiem ty trong nh6 nhung Ming la that hart dudi 2 nam. Huy dOng trai phi& thai han 5 nam chum thee su hap dan khich hang ben canh d6 du no bang ngoai to chi chiem 0.2% tong du no.
DM 1jQC TWIacit5 LOBE Me Me TER. TM
+ Lai suit huy dOng van chug hip din. Trong cac ngan hang gong hog dOng tren din ban NHNo&FTNT tinh Hai During luau la chi nhinh c6 lai suit kern hip nhit Irons khi 66 cac kenh buy dOng van khac nhu Kho bac IITha mrept, tilt kiem burn dien, Quy TDNDTW...lai suit lai cao han nhieu. Ngoai ra ngan hang con glum co co the lai suit lien gin uu dai vii khach hang c6 sd du lien a Ion nen cling khOng kfch thick !chick hang gia tang s6 du lien gat
+ Trinh del cong nghe cling nhu he thing thanh loan con nhieu bat gip. 'HIM cla can 1,0 nghigp vu con han chi voi su pith tridn goa cri chi the truong. HMI het khOng b6 trf can BO chuyen trich lam along tic huy dOng ydn nen yigc dao lao chuyen salt vi linh
vut nay it duoc quan tam, keen that tin hoc chi nam bit duvc nhing thao tic dug dung nen khi co su xay ra chua khac phuc duoc Ben canh d6 trInh dO ngoai ngfr con han chi gay khi khan [tong yigc chuyen lien tit mak ngoai.
3.5.2 Nguyen nhdn
+ Nguyen nluin clui quan.
Ngan hang con Mien cilia loot kinh doanh dan han de tap Ming dly manh cong tic huy dOng yin, gems it chi dao va vigc t6 chic that hien chua nhay hen vii cc, the thi twang.
Trinh 40 Ung dung cong nghg con han chi.
Gang tic dio tao duvc quan tam 'ding khOng duoc dien m thugmg xuyen lien tau gay khi khan oho chinh nhan vien nhit la tai cac diem giao dich.
+ Nguyen nhein khach quan.
Mth trurong kink to dau to chum 8n dinh, gia ca hang hea tang lam d6ng lien mit gia, ngoai dan chua tin wan van clang lien nen chua an tam gui tien vao ngan hang vbi ki han dal ma so dung cid mua yang, ngoai to dem cat gift hoac dau to vao kinh doanh Mt dOng san.
Luat doanh nghiep men that day su ra din thdc day hang boat doanh nghiep ra dM lam Mu to vao link vac kinh doanh yea ki vong (tat doge loi nhuan cao hen trong ngan hang.
So xuat Men can nhieu kenh huy dOng vdn khac lam nguen yin huy dOng giam trong khi do Hiep hQi ngan hang khOng dua ra nhfmg chi boo ve finh hinh the truong va kherng dinh boffins dupe chien low kinh doanh can ngan hang do d6 die ngan hang throng hoat dOng then nhting tin hieu thin caa thi BMus.
Nen kinh to con chim phut tan, doi sing caa nguti dan con thip, thu nhap chua Mblien tie( kiem vao ngan hang khans cao.
ThOi quen cita nguti dan yin la clang tien mat, ngudi clan chua c6 that quen giao (Bch qua ngan hang mot phin la do ho thug su Hum cO nhu tau, mot phin In do hInh anh ngan hang chtra thug su in situ trong tam tri ngoai dan.
303 §0C 'ThrtRa LORG Me cite 'nut 'MP
CHUONG III
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