2.1. Thumb dinh chien Mac kinh doanh nal chung va chien luuc by tang von not riEng.
De tang MSc thich ling qua trinh hien dai boa ngan hang va quit trinh hot nhap cac t6 chile tai chinh gnat to clei hot nhi quan tri phai c6 nang luc hoach dinh va dB ra chien lout kinh doanh, day la yea td quan trong chit quan cna Mt cd ngan hang nao. D6i yin nghiep vu huy dOng van thi viec buy dOng van cling disc hog dOng dtm tren mat chi& lucre ki Sang.
Tuy nhien viec hortch dinh chi& loot huy dOng van sung dupe can cd vao thi twang, nghien cliu du bao nhimg bien d6i ye chu kl kinh to, su hien d6i ve tarn li xa hOi...de ra cat phuong Mang muc lieu, tIm Sc giai phip a d4t duct Sc muc Lieu do. Muc lieu trade mat Oa ngan hang bao gib cling la ma rang thi phdn huy dOng van va dat duo Ioi nhuan cao. Tuy nhien trong Mei gian tuck mat tang nM1u ye Mu dai thi ngan hang phai gin vUng thi truang truyen Mang la nOng then de khai that hon ve thi String nay. Hong lhoi ma rang cac khu tang nghiep cos khu dB tM1i mai a ton tai va
tang phit then van cac t6 chirc tin dung kit tren din ban drib Hai Dating yeti phuong chain vao hop tic vim canh tranh vi su plink Eden. Ben canh vice chi trong ma rang huy Ong van to clan cu ngan Ming No&FTNT tinh Hai Duong can phai phai hop yid nhieu bien phap nham b6 sung nhieu van to nhieu nguan kit nhau nham da dog hen nguan Win cua ngan hang to d6 co the chu Ong hon trong viec dai ph6 v6i Olen tinh hutting that nhau.
Mu6n ming c6 va Ming cao nang Inc canh tranh thl doi M16i ngin hang No&PINT tinh Hai along phai dit nang Ipc tai chinh va hieu r6 thi truang cling nhu ddi thil curt minh tt d6 c6 the c6 alien kw thing Mit va phe hop. CO Ink cim thi truong se guy& dinh den mix dO va mat canh tranh cna Ngan hang.
2.2. Da dung Mb cac hinh thb huy dang On, Id ban huy dab va phuong that Ire ML
Trong bat canh nen kinh phai Men then kinh to thi unto v6i su canh tranh tU milieu dig HS do do din hat NOR hang No&PTNT tinh Hai Duong phai da dang M16a hinh that huy Ong van v6i nhieu uu dai nham thu hot khich hang cita math ben cob duy td va ph& Men nbang hinh that huy Ong van truyen thong.
2.2.1. Duy trl vd phdl Ian cac hinh Mac huy Ong von WO c6.
NHNo&FINT tinh Hai Duong la mat trong nhiing Mahn hang c6 uu the ve huy dOng van tree dia ban tinh Hai Duong. Cac hinh anic huy dOng van dä va dang dust ip dung nhu : Tien gui net kiem co ki ban, khang ki han, bac !hang, giri g6p, du thu&ng, lien giii thanh loan t6 chat kinh to xa heti va a nhan, Oen gin t6 chile tin dung, phit hinh giay to cd gia... day la hinh thac huy Ong van tuy nhien cling Ong vai tr6 quan
trong trong viec huy dOng van cim Ngan hang chinh vi vay ma viec duy in va phi( trien
Bin bUC TIFIRa LORD
MO MO In
cOng tac huy (ging v6n theo nhung hinh thiic nay la vO cang can thidt. Tren thgc 16 cho thay ngubi dan san sang gal nen van ngan hang nen ngan hang (hoc su c6 uy tin trong vies thd hien czic yen tO sail:
+ TM sin co dO an loan cao nhai va clinic gai bi mat cho ngubi girl tien. + Tai san throe sinh lai then Mai gian gin nham ban man gil tn.
+ Tai san cb tinh linh boat cao d8 thuan nen chuydn d6i hinh thac thy theo nhu tau.
Tai san dudc chuydn h6a quydn sir dung gala ngan hang va khach hang mpg each don gian
Hien nay tren dia him tinh mat dO canh tranh glitz cac ngan hang rat gay gat do d6hIliNo&IYINT tinb Hai During can n6 kit phan dill a ming cao vi the cfizt minh.
2.2.2. Me ,Ong eat hinh Mae buy Ming yin mai.
Tong Mang nam qua NEINo&PTNT tinh Hai During luOn la don vi thaa vein nen tt quan tam den da clang h6a hinh that huy Ong vein ma chi, yen op dung hinh thttc huy Ong any& thong. Te nam 2033 de mu rang cOng lac huy dOng vein theo quy& dinh 165/HDQT- KHTH ngay 25/6/2003 dm Chit tich HOi damn quail tri NIINoitlYENT Viet Nam " Vit ban hanh quy dinh cac hinh that huy deng van trong he thdng NHNo8z13TNT Viet Nam". Hien nay con met sd hinh that huy dean von trong he dieing Ngan hang can phiii tridn khai ti6p trong thoi gian toi la:
+ Tien gin net kiem dam bao gia tri theo yang: Khi kith hang gin nen Ngan hang cam kat qui dill thank met Wong yang tuong during va khi den han khich hang se nhan dims sd tien tuang dining v6i gil tri yang khi gin cling them phan lei. Hinh that huy &mg nay se hip din cOng cluing gitip ho x6a ha lo so ddng den mit gia, khac phuc th6i quen tich by tai ski bang yang. Thy Mien ngan hang se gap kh6 khan do su hien citing dm gilt yang do do de Mt& phut ngan hang trie'n khai hinh that nay vbi cac ki han dai vi nhfing ngubi c6 that quen mua yang tich ire finking co it nhu cau chi lieu ngin han. LI suit huy dOng c6 thd than hon lai suit huy dOng tien mat thong thuang vi ngan hang can phai trich lap ban town vein khi gil yang c6 bien Ong.
Ngoai Sc hinh thtic tren thi ngan hang No&PTNT tinh Hai Diming can c6 du didu kien thus Men nhieu hinh that khac nhu: lien giri fiat hem nhan tho, nen girl ti& hem giri mot not linh met not huy clang Mang qua Si khoan thu nhap...
2.2.3. Tang them cac ki hgn buy thing vein.
Ku& phut to mat khOng IchOp nhau ve mat thbi gian caa thu nhap va chi nett lam hilt thanh len nhu till nth lay de tieu dens cho twang lai chinh vi vay ma ngan hang can phai dua ra nhieu ki him a ngubi gin Iva chop, nhung pbai tren nguyen tic kY him sang dai lai suit tang cao va dam bao chenh Tech MI suit throng. Khi ma ngan hang co uy tin, gia to dons Lien dirge do dinh thi ki han thuc te bao gib tang dai hon ki htin danh nghia, ngan hang cc:, dieu kien m5 rong dau tu cho vay trung va dffi han. higutie
1)113 LQC TIVIFIG LORa BAa Cit0
lai se lam cho ngan hang bi Ong tong viec can del vdn dd kinh doanh, Idc nay can phai lok ra ki him dal lai gib nhu: huy dOng ki han 12 thing nhung tra hit 3 thing, 6 thing mot Ian, ru dOng chuyen hoa nen giri kheog kl hen cdo ki han cho dan( ddi vai ngual da girl tier kiem u ngan hang tit 2 thing tra len c6 the chuyen cho ho &Tic Wong guy& loi nen gal c6 ki !inn).
2.24. Set dung phong phi phuong thixc nye gdc phi hop vat nhu cdu Mach hang. hang.
Ddi vbi khfch hang la aiding ngutii IchOng wit mao hiem nen ngin hang Oil dam bao (long vdn cia ho Wen an loan va co sink Rib Hien nay ngan hang thueing Ap dung hien phip Ira lai cuai Id de don gian cho cOng Mc huy Ong vdn hone tra ill din
ki( tra lai truck) khi ma ngan hang can met khoin van Ian cho muc dicb kinh doanh nao db. Tuy nhien de cOng lac huy dOng van duoc hien qua cao ngitn hang can thgc hien phuong phap tra gdc, tai da dang hon tranh raft ro cho khfch hang. Ngan hang can dua ra cac phuong thdc tra lai gdc phe hop nhu: gii met ISn Iinh lai nhieu ki gift nguyen vdn, gift dai him nhung rmh trudic han thi theri gian Tinh tuong dung voi kI hen ngan hon Min thl Ap dung lai suit cho pha hop chi kheng nhilt thidt chi c6 tra lei suit khang ki han...se khuydn khfch rived dan den ngan hang giri tien nhieu haw
2.3. Holm Men mang krtii giao did] va cal tien 161, gib giiic lam vitc phuc vu
kliach hang.
Chi nhanh ngan hang No&FINT tinh Hid Duong c6 (hi twang truyen thing la neog nghiep, neong thOn va &mg dan nen viec ma rOng mang lath xudng sat den Ia chi& loot phit trien lau dai tao vu the canh tranh ddi voi cac NHTM khk. Tien quail diem phic vu do MI a Mu c6 dan cu la c6 NHNo&VINT tinh Hai Duong. ICH d6 Ngan hang gfti vai Ere dam No kenh chuyen van va phuc vu moi ddi tunng Ichich hang. (adsbygoogle = window.adsbygoogle || []).push({});
Vol mang la& nhu hien nay can 60 chin tidp can &roc sau nen nguei neog den co nhung main dirge maa c6 thu nhap chin c6 nhu clu sir dung nhung !Jiang mudn giri tien vao ngan hang don gian chi la do ngai di lai M1* kheing bidt rb nhang Iii fch co the thu dime ttr vier giri lien cim mInh. MM Ichic san phem nong nghiep loon gin vai thbi vu, chu chu chuyen vdn c6 dac the rieng nen ngan hang mu& lig cao nhan thec ctia nguin dan phai quan tam den nhftng nOi dung Cu the sau:
+ Try so cac diem giao dick can phai Ichang trang thuan tien cho khach hang. MOt se, diem giao dich eh= do dinh phai di thue thi can using tri cho skit dep hien dai tao su be the cho ngAn hang qua d6 tang long tin cue nguai dan.
+ Ma them chi nhanh cac phong giao dick tai cac khu clang nghiep trung tam thuang mai tao su thuan ti0n cho ngueri dan. Vol viec ma rang mang lath met each pha hop se gidp ngan hang thtic hien tat ebbe nang tao tien, dan to van, ghat trien dich vu gap phan nang cao hien qua kinh doanh. Tuy nhien de hinh thanh met diem giao dich moi del hai phai mat kinh phi Ian ye trang thigt bi nhan vien giao dich...do do muan
12i0 PIte LORD Me Me Tkae TAP
phat huy hien qua cac diem giao dich can daub gin ket qua tai chinh hang ay. Iran co set de xem xet su can thiat dE hien chinh quy no cho pith hop.
+ Phai tai nen le 161 lam viec Ilia tic hong huy rang van, ma rag pain, vi thus hien giao dich ngan hang mat ca. CO the nOi day la mot khau rat quan trong gitlp cho khach hang dui ra quy& dinh khi lua chon ngan hang de giao dich. C.anh tranh huy ding van giad cac te chat tin dung nay cang al tang, t& dO huy dOng van tang nhanh mot mat do tiem lac van trong dan ngay tang cao, lai suit hap an hinh that da clang nen b dau phuc vu tan ha chu dao nhanh thong thuan lien tier kiem ye mat Ha gian se thu hot duvc khach hang.
+ Cai tien gib giac lam via a thuan tien cho nguai giri lien vi rat lien. Trong co the thi trung Sc ngan hang chi lam viec trong gib hanh chinh la khans pht hop bai vi nhu au ve dich vu ngan hang Ichang chi dap ang cho khach hang trong gib hanh chinh ma nay cang dai hoi cac ngan hang tam hien 24/24 gib b tat ca cac ngay. Nita abc ye van de nay ngay to kin luat lao cang cho phep dupe nghi 2 ngay trong tan, Ngan hang No&PTNT fink Hai Duong da bd vi giao dich vol khach hang a cac diem trung tam c6 luting giao dich Ian vao Sc nay nghi va ngay le. Cac cuOc hop not SO hau het
duvc 66 tri vao cac ngay nghi narn (lath thbi gian phuc vu tdi da cho khach hang. Hien nay trong xi hOi c6 nang thanh phan ban ban la ho Mang co Wong fien mat 16n nhung ho rat ngai dem den man hang vi loi ich Haig Ian nhung di lai tan ken ye thbi gian. Neu nhu van hang Co Mi ng6 nhan van to van tat tao dunk mien tin va lcha nang phuc vu than ad, kip thbi [hi chac chin vat phuong thGc huy Ong fien ghi tai nha se thu but duos tang van 1(m tam thbi nhan r6i.
2 4. Dieu chinh co cin nguOn van phh hap vbi viec sh dung van.
Trac hat phai tang cang buy ding van trung va dai han dap Cmg nhu cau au to vim cac du an xay Ming co so ha tang, mua sam thiat In hien dai, ai mai tang nghe...Trong nhung nam gin day khi nen kink to c6 bubo tang (rang kha thi hie a tang wag du no lion cao han lac dO tang hang ngan vdn p Inc ye van trung va dai ban rat Ion buOc ngan hang Nha Nu& phai qui dinh cho phep cac NIITM &roc sir dung mat pan van huy Jag nail han de cho vay trung, dai hen. Tuy nhien nau lam dung qui dinh nay ma thieu quail tam den tang Inc huy Jag van hung , dii han thi de an den rin ro trong kinh doanh.
Wei the' mall la tinh that hien thi diem xuat khan lao ding sang nutc ngoai nen nam khdi luting kieu hai chuyen ye rat 16n, huy dong van ngoai te can (lac then khai rang rat tai t&t ca Sc diem giao dich. Tuy nhien dau to tin dung bang ngoai te con han GM nen tinh trang thha van ngoai te, thieu van not te. Do ay can phai cd Wing bulk an hang dieu chinh xac minh nhu cau van, pheng Kinh doanh ngoai hair cling can phai c6 chien hint day bier de klfic phuc tai da finh trang nay.