/ He thong Y j tinh diem j
oCdc phng/ban qudn ly tai Chi nhanh
- Can cu quy md va tinh chit boat ddng tin dung tai timg Chi nhanh, Tdng Giam ddc
giao nhiem vu thuc hien timg mang viec cu thi ciia cdng tac nii ro tin dung cho cac phdng/ban tai Chi nhanh.
- Cac Tnrdng phdng/ban chiu sir dilu hanh true tilp cua Ban Giam ddc Chi nhanh. Cac Tnidng phdng/ban chiu trach nhiem trudc Giam ddc Chi nhanh vl chit lugng thuc hien cac cdng viec dugc giao.
- Cac mang viec chinh lien quan din cdng tac quan ly riii ro tin dung dugc thuc hien tai Chi nhanh la (i) Xay dimg kl hoach thuc hien chinh sach quan ly nii ro phii hgp vdi tinh hinh thuc tl tai Chi nhanh, (ii) Thirc hien quan ly danh muc diu tu ciia Chi nhanh, (iii) True tilp ra soat rui ro va giam sat qua trinh hoan tra ng ciia khach hang ddi vdi timg khoan cip tin dung (iv) Xay dung, quan ly, giam sat va tham gia xu ly cac khoan ng xau, (vi) Lap bao cao thdng ke theo yeu ciu cua Ban lanh dao. 2.3.2 CHIEN LtrOC, DINH HlTdNG VA KE HOACH HOAT DONG TIN DUNG 2.3.2.1 Chien lu-ac hoat dong tin dung
Giai doan 2000-2005 cd y nghia het sue quan trgng den su phat trien ciia Vietcombank. Trong giai doan nay Vietcombank tien hanh thirc hien chuang trinh tai ca cau nham khac phuc cac yeu kem trudc day va chuan bi dii dieu kien cho viec phat trien hudng tdi mot ngan hang hien dai mang tim quoc te trong mdi trudng hdi nhap, canh tranh gia tang manh me trong ITnh vuc tai chinh - ngan hang.
Cdc muc tiiu cda chiin luac tin dung giai doan 2000-2006
- Da dang hoa boat ddng dua tren nguyen tac phat huy lgi the kinh doanh trong ITnh vuc
ban budn, trong dd chii trgng md rgng khach hang doanh nghiep nhd va vira, doanh nghiep cd von diu tu nude ngoai, he thdng ban le.
- Da dang boa mat hang va ITnh virc diu tu theo hudng khdng tap trung qua Idn vao ITnh virc thuang mai va mot sd nganh nhu dien, than, diu khi.
- Phat triln them nhilu san phim cho vay mdi nhu du hgc, tra gdp, thau chi.
- Md rgng mang ludi va phat trien san phim tren nin tang cdng nghe hien dai.
- Ca ciu lai md hinh td chuc va thuc hien cac boat ddng hudng tdi khach hang. Co ciu lai theo hudng ddi tugng khach hang kit hgp vdi san phim. Tin dung dugc chon lam thi diem de trien khai md hinh nay.
- Nang cao chat lugng can bd tin dung. Can bd tin dung dugc coi la nhirng ngudi diu tien bao ve ngan hang trudc nhiing thiet hai ve tin dung. Do dd quan tam din cdng tac dao tao de can bd tin dung cd ky nang va kha nang tdt nhan bilt sdm nhirng riii ro.
- Tang cudng he thdng thdng tin. Trien khai nen tang cdng nghe hien dai la mot ndi dung rat quan trgng trong De an tai ca cau. Cdng nghe hien dai se cho phep hoan thien he thdng thdng tin quan ly. Ngoai ra, mang thdng tin chuyen nganh, phan tich chuyen sau, mang tinh chat du doan, canh bao (dac biet tap trung vao cac mat hang/nganh nghe cd ty trong du ng Idn) se dugc tang cudng nham cung cap day du thdng tin den tan can bd tin dung.
2.3.2.2 Djnh hu'ong hoat dong tin dung
Tren ca sd Chiin luge boat ddng tin dung va tinh hinh eae nam. Ban lanh dao Vietcombank da de ra cac dinh hudng cho timg nam nhu sau:
Nam 2003: Tdng cuang kiim tra, kiem sodt ndng cao chdt luang tin dung.
Nam 2004 va nam 2005: Tang truang tin dung tren ca sa tap trung ndng cao chdt luang
vd huang tai chudn muc qudc te.
Nam 2006: Tdng cuang cdng tdc khdch hdng, tiip tuc ndng cao chdt luang tin dung vd
hu&ng tai chudn muc qudc te.
2.3.2.3 Ke hoach hoat dong tin dung
Diu cac nam kl hoach, tren ca sd dam bao can ddi giiia ngudn vdn va sii dung vdn cua Vietcombank, ddng thdi dam bao tinh kha thi cua kl hoach, cac muc tieu tin dung thudng dugc xay dung dua chii ylu vao kit qua boat ddng nam tmdc. Do phu thugc nhieu vao
tinh trang hien tai timg nam, nen cac muc tieu cua kl hoach tin dung da khdng the hien hoan toan muc tieu trong chiin luge hay dinh hudng boat ddng tin dung.
Bang 2-16
K I hoach va thuc hien cac muc tieu boat ddng tin dung cua Vietcombank 2004-2006