Đánh giá hiệu quả cho vay tại Ngân hàng Hợp tác - Chi nhánh Hải Dương trong giai đoạn 2017-2019

Khóa luận phân tích hiệu quả cho vay tại chi nhánh ngân hàng hợp tác Hải Dương giai đoạn 2017-2019, cung cấp cái nhìn sâu sắc về hoạt động tín dụng.

• Tác giả: Nguyen Van Anh
• Người hướng dẫn: Dr. Le Hai Trung
• Trường học: Banking Academy
• Chuyên ngành: Banking
• Đề tài: Measuring The Efficiency Of Bank Lendings In The Co-Operative Bank, Hai Duong Branch Over The Period 2017-2019
• Loại tài liệu: Graduation Thesis
• Năm xuất bản: 2020
• Địa điểm: Hanoi

Mục lục chi tiết

• CONFIRMATION
• ACKNOWLEDGEMENT
• LITERATURE REVIEW
• INTRODUCTION
• 1. CHAPTER 1: INTRODUCTION TO THE EFFICIENCY OF BANK LENDINGS IN CO-OPERATIVE BANK
• 1.1. Introductory to depository institutions
• 1.2. Functions of depository institutions
• 1.3. Introductory to bank lendings
• 1.3.1. Definition of bank lendings
• 1.3.2. Types of bank lendings
• 1.3.3. Roles of bank lendings
• 1.4. Co-operative Bank
• 1.4.1. Definitions
• 1.5. Bank lendings in the co-operative bank
• 1.6. The efficiency of bank lendings
• 1.7. Measurement of the efficiency of bank lendings
• 1.8. Determinants of the efficiency in bank lendings
• 2. CHAPTER 2: MEASURING THE EFFICIENCY OF BANK LENDINGS IN THE COOPERATIVE BANK – BRANCH OF HAI DUONG
• 2.1. Introduction to the co-operative bank – branch of Hai Duong
• 2.2. History of establishment and development
• 2.3. Organizational and managerial structure
• 2.4. Measuring the efficiency of bank lendings in the cooperative bank – branch of Hai Duong in the period 2017-2019
• 2.5. Bank lendings in the Co-operative bank – Branch of Hai Duong
• 2.6. Measuring the efficiency of bank lending in the Co-operative bank – Branch of Hai Duong
• 3. CHAPTER 3: RECOMMENDATIONS FOR THE CO-OPERATIVE BANK – BRANCH OF HAI DUONG
• 3.1. Opportunities and challenges
• LIST OF REFERENCES

Tóm tắt

I. Tổng quan về hiệu quả cho vay tại Ngân hàng Hợp tác Hải Dương 2017 2019

Ngân hàng Hợp tác - Chi nhánh Hải Dương đã có những bước tiến đáng kể trong việc cải thiện hiệu quả cho vay trong giai đoạn 2017-2019. Việc đánh giá hiệu quả cho vay không chỉ giúp ngân hàng tối ưu hóa hoạt động mà còn hỗ trợ khách hàng trong việc tiếp cận nguồn vốn. Các chỉ số như tỷ lệ nợ xấu, lãi suất cho vay và doanh thu từ hoạt động cho vay là những yếu tố quan trọng trong việc đánh giá này.

1.1. Định nghĩa và vai trò của cho vay ngân hàng

Cho vay ngân hàng là hoạt động mà ngân hàng cung cấp vốn cho khách hàng với mục đích thu lợi nhuận từ lãi suất. Hoạt động này không chỉ giúp ngân hàng gia tăng doanh thu mà còn hỗ trợ khách hàng trong việc phát triển sản xuất và kinh doanh.

1.2. Tình hình cho vay tại Ngân hàng Hợp tác Hải Dương

Trong giai đoạn 2017-2019, Ngân hàng Hợp tác Hải Dương đã thực hiện nhiều chương trình cho vay nhằm đáp ứng nhu cầu của khách hàng. Sự tăng trưởng trong doanh thu cho vay và tỷ lệ nợ xấu thấp là những dấu hiệu tích cực cho thấy hiệu quả hoạt động của ngân hàng.

II. Thách thức trong việc đánh giá hiệu quả cho vay tại Ngân hàng Hợp tác

Mặc dù Ngân hàng Hợp tác Hải Dương đã đạt được nhiều thành tựu, nhưng vẫn tồn tại một số thách thức trong việc đánh giá hiệu quả cho vay. Các vấn đề như tỷ lệ nợ xấu cao, cạnh tranh từ các ngân hàng thương mại và sự thay đổi trong chính sách tín dụng là những yếu tố cần được xem xét.

2.1. Tỷ lệ nợ xấu và ảnh hưởng đến hiệu quả cho vay

Tỷ lệ nợ xấu cao có thể ảnh hưởng nghiêm trọng đến hiệu quả cho vay của ngân hàng. Việc quản lý nợ xấu là một trong những thách thức lớn nhất mà ngân hàng phải đối mặt để duy trì sự ổn định tài chính.

2.2. Cạnh tranh từ các ngân hàng thương mại

Sự cạnh tranh từ các ngân hàng thương mại có thể làm giảm khả năng thu hút khách hàng của Ngân hàng Hợp tác. Ngân hàng cần có những chiến lược phù hợp để nâng cao sức cạnh tranh và cải thiện dịch vụ cho vay.

III. Phương pháp đánh giá hiệu quả cho vay tại Ngân hàng Hợp tác

Để đánh giá hiệu quả cho vay, Ngân hàng Hợp tác Hải Dương đã áp dụng nhiều phương pháp khác nhau. Các chỉ số tài chính, phân tích SWOT và khảo sát khách hàng là những công cụ hữu ích trong việc đo lường hiệu quả hoạt động cho vay.

3.1. Sử dụng chỉ số tài chính để đánh giá

Các chỉ số tài chính như tỷ lệ lợi nhuận trên vốn, tỷ lệ nợ xấu và doanh thu từ cho vay là những yếu tố quan trọng trong việc đánh giá hiệu quả cho vay. Những chỉ số này giúp ngân hàng có cái nhìn tổng quan về tình hình tài chính.

3.2. Phân tích SWOT trong đánh giá hiệu quả

Phân tích SWOT giúp ngân hàng nhận diện được điểm mạnh, điểm yếu, cơ hội và thách thức trong hoạt động cho vay. Điều này hỗ trợ ngân hàng trong việc xây dựng chiến lược phát triển bền vững.

IV. Kết quả nghiên cứu về hiệu quả cho vay tại Ngân hàng Hợp tác Hải Dương

Kết quả nghiên cứu cho thấy Ngân hàng Hợp tác Hải Dương đã đạt được nhiều thành công trong việc cải thiện hiệu quả cho vay. Tỷ lệ nợ xấu giảm, doanh thu từ cho vay tăng và sự hài lòng của khách hàng được nâng cao.

4.1. Tăng trưởng doanh thu từ hoạt động cho vay

Doanh thu từ hoạt động cho vay của Ngân hàng Hợp tác Hải Dương đã tăng trưởng ổn định trong giai đoạn 2017-2019. Điều này cho thấy ngân hàng đã thực hiện hiệu quả các chương trình cho vay.

4.2. Sự hài lòng của khách hàng

Khảo sát cho thấy mức độ hài lòng của khách hàng đối với dịch vụ cho vay tại Ngân hàng Hợp tác Hải Dương là cao. Điều này cho thấy ngân hàng đã đáp ứng tốt nhu cầu của khách hàng.

V. Kết luận và triển vọng tương lai của Ngân hàng Hợp tác Hải Dương

Ngân hàng Hợp tác Hải Dương cần tiếp tục cải thiện hiệu quả cho vay để duy trì vị thế cạnh tranh. Việc áp dụng công nghệ mới và cải tiến quy trình cho vay sẽ là những yếu tố quan trọng trong tương lai.

5.1. Đề xuất cải tiến quy trình cho vay

Cải tiến quy trình cho vay sẽ giúp ngân hàng nâng cao hiệu quả hoạt động và giảm thiểu thời gian xử lý hồ sơ. Điều này sẽ tạo điều kiện thuận lợi cho khách hàng trong việc tiếp cận vốn.

5.2. Tương lai của Ngân hàng Hợp tác Hải Dương

Với những chiến lược phát triển hợp lý, Ngân hàng Hợp tác Hải Dương có thể mở rộng thị trường và nâng cao hiệu quả cho vay trong tương lai. Sự phát triển bền vững sẽ là mục tiêu hàng đầu của ngân hàng.

Trích đoạn nội dung tài liệu

BANKING ACADEMY BANKING FACULTY ------------------- GRADUATION THESIS Measuring the efficiency of bank lendings in the co-operative bank, Hai Duong branch over the period 2017-2019 Student : Nguyen Van Anh Class : K19- CLC- NHA Course : 2016 - 2020 Student code : 19A7510016 Supervisor : Dr. Le Hai Trung Hanoi, 7th June 2020 CONTENTS ACKNOWLEDGEMENT CONFIRMATION LITERATURE REVIEW INTRODUCTION. 1 CHAPTER 1: INTRODUCTION TO THE EFFICIENCY OF BANK LENDINGS IN CO-OPERATIVE BANK .1 Introductory to depository institutions. Functions of depository institutions.

Introductory to bank lendings. Definition of bank lendings. Types of bank lendings. Roles of bank lendings .3 Co-operative Bank .2 Unique characteristics of the Co-operative bank.

Bank lendings in the co-operative bank .4 The efficiency of bank lendings .2 Measurement of the efficiency of bank lendings .3 Determinants of the efficiency in bank lendings. 20 CHAPTER 2: MEASURING THE EFFICIENCY OF BANK LENDINGS IN THE COOPERATIVE BANK – BRANCH OF HAI DUONG. Introduction to the co-operative bank – branch of Hai Duong. History of establishment and development.

Organizational and managerial structure. Measuring the efficiency of bank lendings in the cooperative bank – branch of Hai Duong in the period 2017-2019. Bank lendings in the Co-operative bank – Branch of Hai Duong. Measuring the efficiency of bank lending in the Co-operative bank – Branch of Hai Duong.

423 CHAPTER 3: RECOMMENDATIONS FOR THE CO-OPERATIVE BANK – BRANCH OF HAI DUONG. Opportunities and challenges. 589 LIST OF REFERENCES. 60 2 LISTS OF ABBREVIATIONS Abbreviations Meanings PCF People’s credit fund SBV The State Bank of Vietnam 3 LIST OF DIAGRAMS Diagram 1: Hai Duong Co-Operative bank's organizational structure…………….23 Diagram 2: Capital circulation diagram in the system of Vietnam Co-operative bank ………………………………………………………………………………………….…38 LIST OF TABLES Table 1: Corporate lendings in Hai Duong Co-operative bank over the period 2017- 2019………………………………………………………………………………………27 Table 2 : Retail lendings in Hai Duong Co-operative bank over the period 2017-2019…28 Table 3: Credit revenue outside the system over the period 2017-2019………………….28 Table 4: Debt collection revenue outside the system over the period 2017-2019 ……….31 Table 5: Outstanding credit balance outside the system by period 2017-2019……….32 Table 6: Overdue debts and Bad debts outside the system over the period 2017-2019.…34 Table 7: Regulating capital of the system over the period 2017-2019…………………….38 Table 8: Growth rate of outstanding credit balance at Vietnam Co-operative Bank, Hai Duong branch over the period 2017-2019………………………………………….43 Table 9: Growth rate of lending revenues at Vietnam Co-operative Bank, Hai Duong branch over the period 2017-2019 ……………………………………………………….44 Table 10: Interest collection at Vietnam Co-operative Bank, Hai Duong branch over the period 2017-2019 …………………………………………………………………………46 Table 11: Capital utilization rate at Vietnam Co-operative Bank, Hai Duong branch over the period 2017-2019 ……………………………………………………….47 Table 12: Overdue debt ratio at Hai Duong Co-operative Bank over the period 2017-2019 Table 13: Non-performing loans ratio at Hai Duong Co-operative Bank over the period 2017-2019………………………………………………………….48 Table 14: Profits from credit activities at Hai Duong Co-operative Bank over the period 2017-2019……………………………………………………………….…49 4 CONFIRMATION I would like to confirm that the graduation thesis "Measuring the efficiency of bank lendings in the co-operative bank, Hai Duong branch over the period 2017-2019" is my personal research which was conducted on the basis of theoretical research and under the scientific and devoted guidance of Dr.

Le Hai Trung. I confirm that the data and references in the thesis are truthful. I am fully responsible for all the plagiarism if there is any. Ha Noi, 7th June 2020 Nguyen Van Anh.

5 ACKNOWLEDGEMENT Foremost, I would like to express my sincere gratitude to Dr. Le Hai Trung for the continuous support of my bachelor study and research, for his patience, enthusiasm, insightful comments and immense knowledge. His guidance helped me in all the time of writing of this thesis. My sincere thanks also go to Miss Nguyen Thi Thu Trang and all the teachers of the Banking Faculty for supporting me during the internship and instructing me about the time and regulations during my writing of this thesis.

Throughout my 4 years studying at Banking Academy, I could not have imagined a better encouraging learning environment where I can receive so much considerate instructions and opportunities from respectful awesome teachers. I would like to thank the leaders and the staff of the Vietnam Co-operative bank, Hai Duong branch and the Gia Khanh People’s Credit Fund for offering me the internship opportunities with hand-on exciting working experience. Sincerely, Ha Noi, 7th June 2020 Nguyen Van Anh. 6 LITERATURE REVIEW Banks of course play a crucially important role in the economy because of their core products: loans to businesses and for house-purchase.

Hence efficiency in banking are also highly important: high quality at low cost boosts welfare. Adequate performance of a bank is of crucial importance to their customers. Prices and quality of its products are determined by bank lending efficiency. Since efficiency in lending activities cannot be observed directly, various indirect measures in the form of simple indicators or models have been devised and used both in theory and in practice.

In her research published on “Vietnamese Economic Magazine” no 256 (02/20102), Vo T. Thuy Anh has measured bank lendings efficiency has developed a model of measuring the quality of consumer credit services of commercial banks with 6 components, 34 elements and concluded that the main indicators of bank lendings efficiency included service capacity, empathy, consumption, followed by perceived price, reliability of promises to customers, convenience and tangible facilities, ability to respond after disbursement and ultimately reliability of service delivery process. According to Bikker, J. Background In Vietnam, unlike commercial banks with profits as a most important goal in operation, or policy banks with its community mission as the priority in operation, the co-operative bank has relatively different goals.

The appearance of the co-operative bank is for not only earning profits but also for supporting its members and regulating the entire people's credit fund system. Not small as compared in network size to other commercial banks, the co- operative bank has a dense network of people's credit funds widespread throughout the country, which means a very potential lending market. Traditionally, bank lending provides a great amount of revenues while posing the largest and most obvious source of credit risk to banks. Over the last 3 years, the Vietnamese economy have witnessed a fast growth in the banking sector, but in the high competitiveness of many private banks, the co-operative bank has always maintained its place in the banking field with a very stable market for years.

The topic of evaluation on credit performance has been carried out on many studies. However, these works almost focus on the situation of commercial banks only. Meanwhile, there is very little writing about the co-operative bank. Therefore, I chose the topic “Measuring the efficiency of bank lendings in the co-operative bank, Hai Duong branch over the period 2017-2019” for my bachelor thesis.

Objectives - General objective: To evaluate the bank lendings performance through analyzing basic criteria, thereby suggesting some recommendations to improve credit efficiency at the branch. - Specific objectives: • To evaluate the actual situation of lending activities at the branch for two parts: members credit and corporate & individual credit • To analyze the importance and the efficiency of members' credit activities. Subjects and scope 8 Subject: The thesis writes about the situation and the efficiency of bank lending at the co-operative bank - Hai Duong branch. After that, some recommendations to improve bank lending activities at the branch will be suggested.

Scope: The thesis assesses the situation and the efficiency of bank lending at the co-operative bank - Hai Duong branch in the period of 2017-2019. Method In this thesis, a combination of methods will be used such as statistical methods, analysis, synthesis and comparison. In addition, the thesis also uses tables and diagrams for demonstration. Contributions The bank analyzed in the thesis is from Vietnam, a developing country with regionally emerging market in recent years.

Written in English, the thesis will provide information on the co-operative bank in Vietnam for the people who care about the banking industry, especially the co-operative banking model. For the co-operative bank, the thesis gives some recommendations in improving its lending activities through the theory, analysis and evaluation. As this thesis writer, regarding my studying major in banking field, I expect to gain an in-sight of how the co-operative bank works. Beside knowledge, some other benefits I expect to gain in the process of writing my graduate thesis are my improvement in various skills such as researching, data analysing, English writing and problem-solving, which will help me a lot for my future career.

Thesis structure In addition to the foreword and the conclusion, the content of the thesis is divided into 3 chapters: • Chapter 1: Introduction to the efficiency of bank lendings in the co-operative bank • Chapter 2: Measuring the efficiency of bank lendings in the co-operative bank- branch of Hai Duong • Chapter 3: Recommendations for the co-operative bank- branch of Hai Duong. 9 CHAPTER 1: INTRODUCTION TO THE EFFICIENCY OF BANK LENDINGS IN CO-OPERATIVE BANK 1.1 Introductory to depository institutions 1. Definitions A depository institution is a financial institution (such as a savings bank, commercial bank, savings and loan associations, or credit unions) that is legally allowed to receive monetary deposits from consumers. A depository institution accepts depositors’ money and typically pay interest over time, and sometimes it will provide other services to attract depositors beside interest payments.

While holding depositors’ money, a depository institution lends it out to other people or organizations in the form of mortgages or other loans and generate more interest than the amount they pay for depositors. The three main types of depository institutions are commercial banks, savings institutions and credit unions. Functions of depository institutions Depository institutions play a very significant role in the monetary and financial service sector of every economy. Generally, the main active roles of these institutions include: - Pooling the money of many savers and lend it out to people and businesses who are in need.

- Providing safekeeping services and enhance liquidity of cash flow in the economy. In particular, depository institutions function to offer deposit accounts that can accommodate the amount that the capital-surplus entities in the economy actually need. Without these depository institutions, each capital-surplus entity would have the challenge of identifying a capital deficit entity that is in need of borrowing the exact amount of money available in a particular period. This implies that such capital-surplus entities would have to perform credit evaluation and be ready to incur the risk of default.

10 The depository institutions therefore bridge this gap by acting as a link of transactions between the capital-surplus and the capital-deficit entities. On the other hand, in their business, the depository institutions have to make determinations of credit worthiness of the capital- deficit entities as a financial strategic initiative that requires high level of expertise. As a result, the depository institutions function to enhance effective and undisrupted flow of funds, facilitating the lending and borrowing activities in the financial services industry of any economy. Introductory to bank lendings 1.

Definition of bank lendings Bank lendings refer to the activity whereby a bank lends money to customers and earn profit on the interest of the loans. Bank lendings can also be called as bank credit, in which “credit” is defined as a loan, a temporary transferred ownership, or a relationship between lender and borrower. Stemming from the characteristic of banking activities: the monetary field, the assets traded in bank lendings are mainly currency. Bank lendings can be defined as the asset transaction between the bank and the borrowers (economic organizations and individuals in the economy), in which the bank transfers assets to the borrower who uses the loan for a specified period of time as agreed upon, and the borrower is responsible for unconditionally repaying both the principal and interest to the bank upon maturity.