thuong Hai Bi Trtmg:
L Giai phiny ve chid tape kinh doanh:
Tinto hien Ice hooch, chitin lupe !Mat tries kinh te xi hai, hang Mot tic do an Ion cling trinh dupe triers khai No len met nhu can van ton. Gang vizi so phitt hien monk me tha nen kinh te thj twang, trong linh voc tai chinh tien te, hoot ding dm he thong ngan hang ngay tang nit nen sal deng va coil bank gay gat. Chlnh vi voy,ngitn hang Cbng Thuong Hai BA Tnrng can xac djnh rb nape tieu, djnh lutong phat hien lin
dai cac nguan Ivo khaunhau de huy (tang van phut', nen kinh te trong tuong lei. Bbi ngan hang chi co the tien hanh mir rang va phat then tren co so nguhn von doh dao.
Dual day lit met so phuong phip ma ngan hang can ap dung de tang 'chi nang huy Meng On:
- Tap tong phat tries thj throng chling khoon.
- Ph6i hop chat the gilta cac ngin hang thuong mid. Co the thoc hien thong qua hiep hii nen hang trong vies flute hien cac men tai suit huy ding von minim dam ban loi ich cluing the h¢ thong nab hang on dinh ve mat tai suit trong nen kinh te.
Tang von to ea de dam ban he so an than t6i thieu vi sang can fling lye curd, trait dung Mei thoc hien da dung boa the glib phzip tang von .
- Nhanh thong dun ngan hang Cong Thuong Hai Bi Tryng traz Minh ngan himg kinh doanh da ruing tren thus le, chuyen Mich mph ca cao kinh doanh, /PIM hien thj
Bdo coo the tap tong hop chi nhanh NHCT Hai BA Tnrng
phan phi tin dung va arc djch vu tai °HA bang viec phut trien manh me dau m ISM doanh ngoai tin dung va mo rang tong Ang the djch vu ngin hang cho nen kinh
- Tip Mang day manh hien dui hoi cons nghe. Khai thic deli to va sing dung hieu qua nhieu tong nghe mei trong hoar deng quan ly va kinh doanh ngan hang.
2 Giai phdp ve dam Me Pin vay:
Tai sun ban dam ncr vay la met hien phap quan trong tong qua trinh cho vay can ngin hang. NO tho co so phap ly giim cho ngin hang c6 kha nang thu hOi nq vay mgt khi Bitch hang khong co kha 'Ong tra nq, Mop giarn tai da so thiet hai kin co Si
ro xay ra. Ngin hang can pith xac djnh gma coa tai sin dam bio va phai HM den mint
de hien deng ve gii ena.tirng tai san ma 'Mach hang den ra lam tai san dam bao.
Theo Mu quy dinh thi so tiEn vay khong duqc qua 70% ail trj thrc hien tai oda It sin dam bao.
3. Coe hien phdp phan tan nii ra:
Ngin hang nen ap dung met se` bin phap phan tan roi ro sau:
â Trinh tap tome von vao mot du an Ion.
Da dung hol dash mac dau tu chinh la hien phap nhtun phin tin rai ro dugc thins hien theo phuong phip chic se rui ro girth cac nha (Hu tin. Tire la viee khong tap
tong von vay vao met kb ch hang hoc vim met Kith voc din to ma ngan hang an phai da clang hoi cac hinh than cho vay va da clang hoa cite linh we din nr. Cu thE ngan hang nen Kim gip nKeu thi san c6 rid no Ichic nhau thay vi nam gib met lord tai san nhat cljnh.Viec phan tan rum ro tin dung cho nhieu ngutri vay cho phep ngan hang c0 the giant thiau rum ro dei voi tai san co.
Dan biet ngfin hang phii triads dau to tap trung vao met khach hang, nkilt IA Meng ,kbach hang sin xuat kinh doanh nhdng san pliant hang boa khan& mang filth thiet you, san xuat nlitng mat hang Nha nude kitting xuat khieh, nhu cau, Ming lrc crush tranh khOng On dinh hoc trong qua trinh san 'mat kinh doanh de gAp ref ro.
â DOIlthord tr
Phan tan raj ro bang each lien kat cac ngfin hang sok nhau de ding dau to vao met do an Ion. Cite don vj thi trg tang nhau giam sat do an, de do In hoat dEng tot hon. Bien phim tot nhat trong phuong pilau nay la cho vay doing tar trq theo le 50- 50.
> Than pia bao hiem tin dime
LA met gird phip mang tinh nguyen tat can phai co trong kinh doanh tin clang. Bien phap nay dtrqc rip dung phi hien 6 the ntrOc phut then, nhung 0 Viet Nam trong
dieu kin hien nay hoat Ong ban hiem tin dung china &too ap dung rang Ai. Dam vii
Bao cao [hoc tap t6ng hqp chi nhanh NHCT Hat Ba Trung
.-
nhang do in ma tinh rai ro cao thi ngan hang can mua bao hien de dam NO ngutin cho vay caa do an.
4. Gidi phdp lyp qui)* phdng bgi dip run ro:
Rai ro trong hoE dGng ngan hang bao Om nhien ITO voc: run ro ye ty gia, rth ro trong thanh town, ran ro trong hot Ong tindyng... [rang d6 nit ro trong !mat Ong tin dung dupe quart tam dac trial Qua trinh dau tv cho nen kinh to ph& then dni hari nhu Cu von km, Nei han dai nen ran rode any ra. Thiet go guy do [tong bi dap rai ro cda ngan hang Cong Thuong Hai Ba Trona la rat can Mkt Tug Olen, hien nay, chi nhardi ngan hang COng Thuong Hai BA Tnmg con chug moll do trich qug do phong bh dap rai ro hope trich khaing ding kit vi sq tilt hoong den ket suit kinh doanh. Vi vay. hang Om ngan hang can phai he sung them nguon yen de bit dap cac rai ro co the gay ra,
5. Gide phap ve' con ngsthi:
Ve chuven mon
Ngan hang cung dip von cho mad thinh phan kinh tit, rat da dang va phong phi
voi da cac loci nginh da nth vvc. Do de can be ngan hang ded hdi phai c6 With Ma hien biet ring de co the hien dupe vat nhan xot dupe tinh hien quit cho vay caa cis do
in. Dac biet tong that doi hien nay, khi ma nen kinh tit, khoa hoc cong nghe tren the Wad ph& thin khong nming thi viec thoemg xuyen Mai dogma Oi ngil can bo ca ye kien auk chuyen mon Ian keen thtic tong hop la het sac can thiet.
Ngin hang phai co kit hooch thoemg xuyen Mai throng dO too can b0, non han hok dai Ilan. Too dieu kien thuan loi cho cac can bO c6 co ben tim hieu, nang cao nang lvc trinh 00 chuyen mon thong qua cac hap, khoa hoc deo too trong va ngoai nuOc, co the mm cac chuyen gia nude ngoai hoar can bj ngan hang c6 chi Oat Ong sting day
Hai man co chit quail 1§ phi hqp v6i rno hinh hien dot, tiep tyc citi Mien vi Wang cao chat lutmg man IY tai sin no, tai sin co. Ong then tang lark co eau loi, da dog hoe hoot Ong On M va kinh doanh phis trier dich vu tien ich trong ginh vac tai chink roan hang
â Niatakt.
- Phan tuygn truyen de can bG ngan hang hien rang: CM be phai tan 1Nn, co trach nhiem van cong viec duqc giao, Ong that, an ban lital yang yang, cd g that ran luyen hoin thien ban than.
- Can co chit do dal nga khen thremg, dung Hen ve vat chat vi tinh thin dai
van can bo c6 dart dlic tot thenh tich va hien qua cong viec cao. Thu° hiGn doan kat din chi, cong khai, cham lo va can thien den song sinh hoot caa can 1,0 cong nhan vien.
Bao cao thuc tap tong hop chi nhanh NHCT Hai Bit Trung