Quin Hai BA Tnmg la mat gain ring On caa nOi thanh Ha Nai c6 ljch six Hu doi. 0 day tip thing Iry se caa nhieu deg ty, doanh nghiep 16n. Dayla mat ditc diem doi. 0 day tip thing Iry se caa nhieu deg ty, doanh nghiep 16n. Dayla mat ditc diem thuan 1M cho Chi nhainh NHCT Hai BA Tnmg ye viec buy dung von vai doi tuOng khach hang la doanh nghinp Ion, vira va IMO. Tuy Mien, tuyen duong Tnin }Chat Chin
la tuyen dubng m6i dupe xay dung trona vai nam gin day, do de mit do dan cv khang
nhieu, ditn den viec Chi thanh gip nhieu kh6 khan trong viec huy Ong van rat rat
vei khach hang ca than. Tiled gianginday trong %Tut (min Hai BA Tnmg rat nhieu khach hang ca than. Tiled gianginday trong %Tut (min Hai BA Tnmg rat nhieu chi nhinh aim cac ngan hang co phan cling nhu lien doanh nu& ngoai dog me ra vei Meng chill sigh tai suit huy Ong tien gin rat hip din de tang kha nang Garth tranh thi ngan hang can phai chit trong phat then in da long phong phu cox dich vu ngin hang, thu but tier geri ca than, ding thbi phai quan Ulm den dich vu chin sec Winch hang dtra ten mbi quan ha lam an Mu vim dm Chi nhanh voi nhimg kith hang ca.
Nho xet
I. Thuon Ipi va khd khan:
Hoot Ong tin dung cim ngan hang Cong thuong Hai BA Tnmg trong Mang nam gilt day gip kha nhieu thuin loi: nam gilt day gip kha nhieu thuin loi:
+ Cac khach hang truyOn thOng cba ngan hang tir nam 2002 den nay hoat Ong
kinh doanh co hieu qua va tra day du cac khoin vay cho ngan hang ginp ngan Wing an
tam hon khi cho khach hang vay.
+ Nhu cau va con cnn cog doanh nghinp va tiers girl cia cac doanh nghinp Ming trong thanh loan vei cac khach hang MO nay la rat len.Nhu vay vi td cua ngin hang trong thanh loan vei cac khach hang MO nay la rat len.Nhu vay vi td cua ngin hang lam trung gian IA rat quan trong.
+ Ngan hang cia Iich su hinh thinh va phat Men Mu del dens theri ngin hang nam tan true dueng cb nhieu In, se dm cac cang, ty, eh& kinh to 16n, thuin Ial nam tan true dueng cb nhieu In, se dm cac cang, ty, eh& kinh to 16n, thuin Ial
trong vine huy doing von trung va dai hon cho vay doi vOi cac doang nghiet.
Ben toll Mang thuin Iqi do NHCT Hai Si Tnmg gang gap phai Wit s6 Icho khan: khan:
+Trail tom Oen Trin Khat Chan - Dai Co Vint mit do din cv thua theft, diet nay se la IMO khan trong viee ngan hang huy ding tier gin tiet kiem, lien gin tin din cv nay se la IMO khan trong viee ngan hang huy ding tier gin tiet kiem, lien gin tin din cv va viec that then [Ugh vu cho vay lieu dung.
BAD coo thgc tap tong hop chi !Minh NHCT Hai Ba Tnmg
Trong nhimg nam gin day thi truing the gioi c6 nhiau Bien dOng, gia cue cac
loai mat hang tang tao dieu kien thuk Iqi cho lam that tang lam cho gia tri don tien giarn so voi cac mat hang.
+ Do thi, truing Men Ong chi so gia tieu dung tang gia cac loai mat hang thi nhau day len lam cho lei snit nem hang tang lin.
• Thai Sian gas day, do cac doanh nghiep nha nu& co phan hoi nen ngued thuemg mua cd phan cal cac doanh nghiep co phan boa va mua co phieu cua tren thj
truemg chimg khoan lam cho lung tien huy dOng cua ndan hang bi han cho.
+ Thai gam de than dinh met du an cho vay dai han con nhieu bat capTheri
gian Ming binh tik nhan he so den !chi giii quyet la 25 ngay ded vol du an lOn la rat voi yang, bin nhang du an nay dai hai phai them dinh Icy.Theri gian trey /a ngin gay ra
sire ep dal voi can be ngan hangs dieu nay lam giitm hieu qua cho vay flung dai han.
2. liu diem va ten tpi:
Ng& hang da khans ngimg thay doi, dei men, nghien cam den thi, mer (Ong mang Iuoi khich hang, nth cuc tang timing tin dtmg, phat trien du no mei, Mich hang mai, phat trien cac dich vu, chit trong tong tic don tao can bo de co the dap Ung dirge
you cau ding vik. Hon ulna deli 2006 Ngan hang d.1 trim khai viec keo dai thed gian giao dich tai cac quy tiet ki4m ye diem giao djch cua chi nhanh den 17h va thuc hien thi diem giao dich vito sang thu bay hang Man de tang cuing huy Ong von va tang thu dich vy. Vi vay ma nguon von buy deng, doanh thu djch vy vi Itrong khach hang da tang len ding ke. Dat biet trong cons tic dan tu tin dung Ban &am doe cling xac dinh vies mO nang tin dung phai due ten kha nang quitn lY cua chi nhanh dOng did tich cue chuyen dB co can tin dung tang ti Wong cho vay 401 voi thanh phan Unit to dan doanh.
Do de trong cac nam 2005, 2006 Chi nhanh da dat dupe nhOng ket qua kha quan cac mat Ca ve so Mons va chat lung.
Ben card nbiing tm diem nen, a NHCT Hai Ba Tnmg van con met se, bat cap: Tren cac Iinh vac lei suet, phat then mang huh, nhan kr, cans nghe... den co au
kph tranh gay gat ma rat it nhting host deng ph6i hop bok mans tinh hip hOi nghe
nghiep nen da gay nen uhieu kho than thu day mat bang Id suet lien giri len qua cao trong kfii khans thieu van ngan han; nguon nhan luc gi6i Hieing On clink thieu tinh lien ket trong phat huh the va he thong ATM. Mang lued qua day b met so dirt diem da
din den nlitnig hanh &kg 101 keo ;Mach hang !Mang lanh manh, kat qua kinh doanh bj
and huemg.Tai NIICT Hai BA Tnmg, cac nghiep vu kinh doanh !hit then con thieu tong deu, chtia vitng chic va chua tuong zing voi vi tri, tam vac cua Chi 'MAIM. Cac sin pham ban choo can ngheo Ilk tinh lien ich chtra cao, met so sin pham djch vu can phut tap ye thu Mc, Iliad Fian X11 1g keo dai, chum thtm str lam hai long khkh hang. Day la khO khan cua ca he thong, did hal phai co gill phk dkngla0 ter phia NHCTVN.
Rao cao thoc tap tang hop chi nhanh NHCT Hai Ba Tnmg
Ill. Dinh htrfing phat trig. cila Chi nhanh Ngin hang Cann throng Hai Bi Trumg trong the' gin to
Can nix vivo djnh holing hoot Meng chung cue NHCTVN, Chi nhanh Ngitn hang Cong thuong Hai Ba Tnmg aa, clang va se Mon barn sat vol b6n djnh huang ton caa
nganh vi to twang chi dao caa Ban lanh dao NHCTVN: " Phii tang truang manh me; Elio darn an loin he thong; Turin thit phap MOT bon the till ro; Xay (long co au hop 131 ye von vi sir dung von. Ve nhfin tun va tong nghe: nth be dpc cash ce then. Tien Mc chain lo tap the yang mph, dbc hien cham lo dat nga can be va tri thirc, ky nang, pham chat duo dirc. Chain 10 xay dung le 16i, phuong thac quan hl dieu himh. Day mush hien dui hofi ping nghe Ngan hang"
Va ngan hang &V dfit ra nhvng mue lieu tang troting hoot ding kinh doanh: • Tang nguan yen thug 20% - 25%.
• tins du Br/tang to 15%- 20%. • No quahonb mire dubi 0,3%. • Quy thu nhop tang tir 5% - 10%.