Cải Thiện Chất Lượng Tín Dụng Cá Nhân Tại Ngân Hàng Thương Mại Cổ Phần Đầu Tư Và Phát Triển Việt Nam

Chuyên khảo phân tích Enhancing personal credit quality at joint stock commercial bank for investment and development of, đánh giá các khía cạnh quan trọng, đề xuất hướng nghiên

• Tác giả: Hoang Thi Thanh Huyen
• Người hướng dẫn: Ms. Pham Thi Hoang Anh (Assoc. PhD)
• Trường học: State Bank of Vietnam Banking Academy
• Chuyên ngành: Foreign Languages
• Đề tài: Cải Thiện Chất Lượng Tín Dụng Cá Nhân Tại Ngân Hàng Thương Mại Cổ Phần Đầu Tư Và Phát Triển Việt Nam
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2018 – 2022
• Địa điểm: Ha Noi

Mục lục chi tiết

• CERTIFICATE OF ORIGINALITY
• ACKNOWLEDGEMENTS
• TABLE OF CONTENT
• LIST OF ABBREVIATIONS
• LIST OF TABLES
• LIST OF FIGURES
• ABSTRACT
• 1. CHƯƠNG 1: INTRODUCTION
• 1.1. Background of the study
• 1.2. Objective of the study
• 1.3. Significance of the study
• 1.4. Scope and limitation of the study
• 1.5. Definition of terms
• 1.6. Structural organization of the study
• 2. CHƯƠNG 2: LITERATURE REVIEW AND THEORETICAL FRAMEWORK
• 2.1. Literature review
• 3. CHƯƠNG 3: RESEARCH METHODOLOGY
• 3.1. Locale of the study
• 4. CHƯƠNG 4: FINDINGS AND DISCUSSION
• 4.1. Business performance at BIDV Quang Trung in the period from 2019 to 2021
• 4.2. The use of capital
• 4.3. The reality of personal credit quality at BIDV - Quang Trung branch for the period 2019 - 2021
• 4.3.1. Outstanding personal credit
• 4.3.2. Non-performing loans and Overdue debt
• 4.3.3. Provisions for credit losses
• 4.3.4. Rate of return from personal credit
• 4.3.5. Highlights in the personal credit product package
• 4.4. General assessment of personal credit quality at BIDV Quang Trung
• 4.5. Causes of limitations
• 5. CHƯƠNG 5: CONCLUSION AND RECOMMENDATION
• 5.1. Orientation for developing personal credit quality at BIDV - Quang Trung branch
• 5.2. Solutions to enhance personal credit quality at BIDV - Quang Trung branch
• 5.3. Recommendation to the Government
• 5.4. Recommendation to the State Bank of Vietnam
• 5.5. Recommendation to the Head Office of Bank for Investment and Development of Vietnam

Tóm tắt

I. Tổng Quan Về Cải Thiện Chất Lượng Tín Dụng Cá Nhân Tại BIDV

Chất lượng tín dụng cá nhân là một yếu tố quan trọng trong hoạt động của ngân hàng thương mại, đặc biệt là tại Ngân hàng Thương mại Cổ phần Đầu tư và Phát triển Việt Nam (BIDV). Việc cải thiện chất lượng tín dụng không chỉ giúp ngân hàng tăng trưởng bền vững mà còn đáp ứng nhu cầu tài chính của khách hàng. Trong bối cảnh cạnh tranh ngày càng gia tăng, BIDV đã triển khai nhiều giải pháp nhằm nâng cao chất lượng dịch vụ tín dụng cá nhân.

1.1. Định Nghĩa Chất Lượng Tín Dụng Cá Nhân

Chất lượng tín dụng cá nhân được hiểu là khả năng của ngân hàng trong việc cung cấp các sản phẩm tín dụng đáp ứng nhu cầu của khách hàng, đồng thời đảm bảo an toàn tài chính cho ngân hàng. Điều này bao gồm việc đánh giá khả năng trả nợ của khách hàng và quản lý rủi ro tín dụng hiệu quả.

1.2. Vai Trò Của Tín Dụng Cá Nhân Trong Ngân Hàng

Tín dụng cá nhân đóng vai trò quan trọng trong việc thúc đẩy tiêu dùng và đầu tư cá nhân. Nó không chỉ giúp khách hàng giải quyết nhu cầu tài chính mà còn góp phần vào sự phát triển kinh tế chung của đất nước.

II. Những Thách Thức Trong Việc Cải Thiện Chất Lượng Tín Dụng Cá Nhân

Mặc dù BIDV đã có nhiều nỗ lực trong việc cải thiện chất lượng tín dụng cá nhân, nhưng vẫn tồn tại nhiều thách thức. Các vấn đề như nợ xấu, quy trình phê duyệt tín dụng chậm và sự cạnh tranh từ các tổ chức tín dụng phi ngân hàng đang gây khó khăn cho ngân hàng.

2.1. Tình Trạng Nợ Xấu Tại BIDV

Nợ xấu là một trong những vấn đề nghiêm trọng mà BIDV phải đối mặt. Tình trạng này không chỉ ảnh hưởng đến lợi nhuận mà còn làm giảm uy tín của ngân hàng trong mắt khách hàng.

2.2. Quy Trình Phê Duyệt Tín Dụng Chậm

Quy trình phê duyệt tín dụng tại BIDV vẫn còn nhiều bước phức tạp, dẫn đến thời gian chờ đợi lâu cho khách hàng. Điều này có thể khiến khách hàng chuyển sang các tổ chức tín dụng khác.

III. Phương Pháp Cải Thiện Chất Lượng Tín Dụng Cá Nhân Tại BIDV

Để nâng cao chất lượng tín dụng cá nhân, BIDV cần áp dụng các phương pháp hiện đại và hiệu quả. Việc ứng dụng công nghệ thông tin trong quản lý tín dụng và cải tiến quy trình làm việc là rất cần thiết.

3.1. Ứng Dụng Công Nghệ Thông Tin Trong Quản Lý Tín Dụng

Việc áp dụng công nghệ thông tin giúp BIDV tối ưu hóa quy trình phê duyệt tín dụng, từ đó rút ngắn thời gian xử lý và nâng cao trải nghiệm của khách hàng.

3.2. Đào Tạo Nhân Viên Về Kỹ Năng Tư Vấn Tín Dụng

Đào tạo nhân viên về kỹ năng tư vấn tín dụng sẽ giúp họ hiểu rõ hơn về nhu cầu của khách hàng, từ đó đưa ra các giải pháp tín dụng phù hợp và hiệu quả hơn.

IV. Ứng Dụng Thực Tiễn Và Kết Quả Nghiên Cứu Tại BIDV

Nghiên cứu thực tiễn tại BIDV cho thấy rằng việc cải thiện chất lượng tín dụng cá nhân đã mang lại nhiều kết quả tích cực. Sự hài lòng của khách hàng tăng lên, đồng thời tỷ lệ nợ xấu cũng giảm đáng kể.

4.1. Kết Quả Từ Các Giải Pháp Đã Triển Khai

Các giải pháp như cải tiến quy trình phê duyệt và ứng dụng công nghệ đã giúp BIDV nâng cao hiệu quả hoạt động tín dụng cá nhân, từ đó tăng trưởng doanh thu.

4.2. Phản Hồi Từ Khách Hàng

Khách hàng đã có những phản hồi tích cực về dịch vụ tín dụng cá nhân của BIDV, cho thấy sự cải thiện trong chất lượng phục vụ và sự chuyên nghiệp của nhân viên.

V. Kết Luận Và Hướng Đi Tương Lai Của Chất Lượng Tín Dụng Cá Nhân

Kết luận, việc cải thiện chất lượng tín dụng cá nhân tại BIDV là một quá trình liên tục và cần sự nỗ lực từ nhiều phía. Hướng đi tương lai cần tập trung vào việc nâng cao trải nghiệm khách hàng và giảm thiểu rủi ro tín dụng.

5.1. Định Hướng Phát Triển Chất Lượng Tín Dụng

BIDV cần tiếp tục phát triển các sản phẩm tín dụng cá nhân đa dạng và linh hoạt hơn để đáp ứng nhu cầu ngày càng cao của khách hàng.

5.2. Tăng Cường Quản Lý Rủi Ro Tín Dụng

Cần có các biện pháp quản lý rủi ro tín dụng hiệu quả hơn để bảo vệ ngân hàng khỏi các khoản nợ xấu và đảm bảo sự phát triển bền vững.

Trích đoạn nội dung tài liệu

STATE BANK OF VIETNAM BANKING ACADEMY FACULTY OF FOREIGN LANGUAGES -----  ----- GRADUATION THESIS ENHANCING PERSONAL CREDIT QUALITY AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIET NAM – QUANG TRUNG BRANCH Student : Hoang Thi Thanh Huyen Class : K21ATCB Academic year : 2018 – 2022 Student ID : 21A7510058 Supervisor : Ms. Pham Thi Hoang Anh (Assoc. PhD) Ha Noi, May 2022 i 17014126212371000000 STATE BANK OF VIETNAM BANKING ACADEMY FACULTY OF FOREIGN LANGUAGES -----  ----- GRADUATION THESIS ENHANCING PERSONAL CREDIT QUALITY AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIET NAM – QUANG TRUNG BRANCH Student : Hoang Thi Thanh Huyen Class : K21ATCB Academic year : 2018 – 2022 Student ID : 21A7510058 Supervisor : Ms. Pham Thi Hoang Anh (Assoc.

PhD) Ha Noi, May 2022 i BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY CERTIFICATE OF ORIGINALITY I would like to guarantee that the thesis "Enhancing personal credit quality at Joint Stock Commercial Bank for Investment and Development of Vietnam - Quang Trung branch" is my own research work, under the support of my supervisor - Assoc. Pham Thi Hoang Anh and not copied from any other work. The information for reference and collected data in the thesis have clear origins and are cited fully and explicitly. I take all responsibility if there is fraud detection! Ha Noi, May 2022 Author Hoang Thi Thanh Huyen Student: Hoang Thi Thanh Huyen – ID: 21A7510058 i BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY ACKNOWLEDGEMENTS First of all, I would like to express my sincere and deep gratitude to Ms.

Pham Thi Hoang Anh - who patiently and enthusiastically guided me throughout the process from the time I did the assignment to the completion of the thesis. Her orientations as well as timely comments and suggestions have contributed significantly to the success of the thesis. It is a great honor for me to have her devoted guidance. I also give my thanks to the teachers of Banking Academy, especially the teachers of Faculty of Foreign Languages, who not only gave me a solid foundation of knowledge, but also inspired me positively in the teaching process.

Thank you teachers as well as friends who have accompanied me during four meaningful years of university. I also express my deep gratitude to the Board of Directors and the staff of the Personal Customer Department of BIDV Quang Trung who enthusiastically supported and trained me during my internship and provided sufficient information and data to help me complete the thesis in the most effective way. Last but not least, I would like to sincerely thank my parents, brothers, sisters and friends for being by my side and giving me strong motivation to overcome the most difficult times. Due to the limitations of knowledge as well as practical experience, the thesis cannot avoid certain shortcomings.

I look forward to receiving feedback from teachers so that I can complete my thesis to the best version. Student: Hoang Thi Thanh Huyen – ID: 21A7510058 ii BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY TABLE OF CONTENT CERTIFICATE OF ORIGINALITY. ii TABLE OF CONTENT .iii LIST OF ABBREVIATIONS. vi LIST OF TABLES.

vii LIST OF FIGURES. ix CHAPTER 1: INTRODUCTION. Background of the study. Objective of the study.

Significance of the study. Scope and limitation of the study. Definition of terms. Structural organization of the study.

5 CHAPTER 2: LITERATURE REVIEW AND THEORETICAL FRAMEWORK. Overview of personal credit activities at commercial banks. Personal credit quality at commercial banks. 16 Student: Hoang Thi Thanh Huyen – ID: 21A7510058 iii BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY CHAPTER 3: RESEARCH METHODOLOG Y.

Locale of the study. 25 CHAPTER 4: FINDINGS AND DISCUSSION. Business performance at BIDV Quang Trung in the period from 2019 to 2021. The use of capital.

The reality of personal credit quality at BIDV - Quang Trung branch for the period 2019 - 2021. Outstanding personal credit. Non-performing loans and Overdue debt. Provisions for credit losses.

Rate of return from personal credit. Highlights in the personal credit product package. General assessment of personal credit quality at BIDV Quang Trung. Causes of limitations.

45 CHAPTER 5: CONCLUSION AND RECOMMENDATION. Orientation for developing personal credit quality at BIDV - Quang Trung branch. 49 Student: Hoang Thi Thanh Huyen – ID: 21A7510058 iv BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY 5. Solutions to enhance personal credit quality at BIDV - Quang Trung branch.

Recommendation to the Government. Recommendation to the State Bank of Vietnam. Recommendation to the Head Office of Bank for Investment and Development of Vietnam. Student: Hoang Thi Thanh Huyen – ID: 21A7510058 v BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY LIST OF ABBREVIATIONS Abbreviation Meaning Joint Stock Commercial Bank for Investment and Development of BIDV Vietnam SBV State Bank of Vietnam MSB Vietnam Maritime Commercial Join Stock Bank CBs Commercial Banks NPLs Non-performing Loans ATM Automated Teller Machine H.O Head Office CIC Credit Information Center Student: Hoang Thi Thanh Huyen – ID: 21A7510058 vi BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY LIST OF TABLES Table 4.1: Business results of BIDV - Quang Trung branch (2019-2021) .2: BIDV Quang Trung's capital mobilization (2019 - 2021).3: Outstanding personal credit (2019-2021) .4: Non-performing loan of BIDV Quang Trung (2019-2021) .5: Overdue debt of BIDV Quang Trung (2019-2021).6: Loan loss provision ratio of BIDV Quang Trung (2019-2021) .7: Profit from personal credit of BIDV Quang Trung (2019-2021).

40 Student: Hoang Thi Thanh Huyen – ID: 21A7510058 vii BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY LIST OF FIGURES Diagram 4.1: Capital mobilization by customer types ( 2019-2021) .2: Outstanding credit of BIDV Quang Trung (2019 - 2021).3: Outstanding credit by customer types.4: Profit before tax of BIDV Quang Trung (2019-2021).5: Outstanding personal credit by terms .6: NPL and Overdue debt ratio of BIDV Quang Trung (2019-2021).7: Profit from personal credit of BIDV Quang Trung (2019-2021).8: Return rate on personal credit of BIDV Quang Trung. 42 Student: Hoang Thi Thanh Huyen – ID: 21A7510058 viii BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY ABSTRACT Personal credit is currently on the rise and is a business area that banks focus on, especially in the competitive integration market with the increasing living needs of the people. BIDV is one of the leading banks in retail activities with outstanding achievements, in which personal credit development is the top goal. The thesis “Enhancing personal credit quality at Joint Stock Commercial Bank for Investment and Development of Vietnam - Quang Trung branch” will clarify the issues of personal credit at BIDV Quang Trung branch.

First of all, the study will provide an overview of specific aspects related to personal credit activities at commercial banks in general. And then, the author briefly analyzes BIDV Quang Trung's business activities in the period of 2019-2021 and how the credit segment for individual customers has been promoted as well as outstanding achievements and shortcomings that needs to be improved. Thereby, the author proposes some solutions to develop this credit segment and recommends to the Government, the State Bank of Vietnam, and the Head Office of BIDV to enhance the quality of personal credit at commercial banks in general and BIDV Quang Trung in particular. Student: Hoang Thi Thanh Huyen – ID: 21A7510058 ix BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY CHAPTER 1: INTRODUCTION 1.

Introduction Personal credit has been strongly developed in the world since the early 80s of the twentieth century. Banks not only limit credit extension activities to corporate customers, but have been much more focused on individual customers. In Vietnam, lending to individual customers only started in the years 1993-1994. Initially, it only focused on installment loans; and the products provided were still monotonous.

In recent years, personal lending tends to flourish along with socio-economic development. With a large size of population, over 98 million people (as of 2021), of which is mainly a young population, with increasing income levels and modern lifestyles as well as consumption needs to improve and raise living standards, the bank's personal credit products quickly attracted lots of customers. Therefore, the personal credit segment promises to be a potential and highly competitive business segment. Over the past years, the banking industry has drastically implemented many solutions to increase people's access to capital, including promoting the application of science and technology in building and deploying personal credit products; development of online services; expanding network, diversifying products and services; reducing interest rates, simplifying lending procedures to meet the borrowing needs of businesses and people in all classes.

Especially nowadays, the economy is facing many difficulties and challenges due to the complicated and lasting effects of the pandemic; therefore, personal credit activities play a leading role in meeting the capital needs of customers to ensure expenses and to give support to people in financial difficulty. This thesis will provide an overview of personal credit activities at banks in general, and in-depth analysis of the current situation and assessment of personal credit quality at BIDV Quang Trung in particular. Thereby providing appropriate solutions as well as useful recommendations in order to contribute to the development, completion and diversification of personal credit services. Student: Hoang Thi Thanh Huyen – ID: 21A7510058 1 BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY 1.

Background of the study The Covid-19 pandemic, which originated at the end of 2019, is still posing huge challenges and enormous difficulties for the entire economy. From the end of April 2021, the Covid-19 pandemic broke out strongly, making production and business activities of enterprises as well as people's lives more difficult. Due to the complicated and prolonged development of the pandemic, many businesses had to suspend production, which also negatively affected many households' income, especially those with low incomes such as workers and small traders. According to Vietnam Financial Times (VFT), the average income of employees in 2021 was 5.7 million VND per month, reduced by 32,000 VND compared to 2020.

Unemployment rate in the working age was 3.54% compared to the previous year. In general, the situation of labor and employment in 2021 had more difficulties than in 2020. Followed by the demand for consumer loans to serve daily life, cover tuition fees, purchase equipment, etc. tends to increase.

Being concerned about accessing bank loans due to the barriers of documents and procedures as well as the time of transaction process, many people have turned to “black credit” sources because of its ease, speed and convenience, leading to serious consequences. Grasping this situation, the banking industry has taken part, actively implemented solutions to help people overcome credit difficulties through network expansion, timely supply of banking products and services, especially solutions to enhance access to capital, promptly support customers affected by the pandemic, and repel "black credit". The representative of the State Bank said that despite being negatively affected by the Covid- 19 pandemic, the whole economy's credit increased at the beginning of the year 2021 and was higher than the same period in 2020, promptly meeting the capital needs of the economy. By the end of 2021, the credit of the whole economy increased by 13.53% compared to the end of 2020.

Sixteen commercial banks (accounting for 75% of the total outstanding loans of the economy) have effectively reduced lending interest rates as committed to Banks’ Association. According to VietnamPlus, in the period from July 2021 Student: Hoang Thi Thanh Huyen – ID: 21A7510058 2 BANKING ACADEMY GRADUATION THESIS FOREIGN LANGUAGE FACULTY to the end of December 2021, sixteen commercial banks have spent 21,244 billion VND in profit to reduce lending interest rates for people and businesses, exceeding 5.13% compared to the initial reduction commitments.