Giải pháp mở rộng tín dụng tiêu dùng tại Ngân hàng TMCP Sài Gòn - Chi nhánh Đồng Nai

Khám phá các giải pháp mở rộng tín dụng tiêu dùng tại Ngân hàng TMCP Sài Gòn, chi nhánh Đồng Nai, giúp khách hàng dễ dàng tiếp cận tài chính.

• Tác giả: Thai Anh Tuan
• Người hướng dẫn: Duong Thi Thuy An, PHD
• Trường học: Banking University of Ho Chi Minh City
• Chuyên ngành: Finance - Banking
• Đề tài: Solutions for Expanding Consumer Credit at Sai Gon Joint Stock Commercial Bank – Dong Nai Branch
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2022
• Địa điểm: Ho Chi Minh City

Mục lục chi tiết

• DECLARATION
• ACKNOWLEDGEMENT
• LIST OF ABBREVIATIONSS
• ABSTRACT
• LIST OF TABLE
• 1. OBJECTIVES OF THE STUDY
• 2. OBJECT AND SCOPE OF THE STUDY
• 3. THE LAYOUT OF THE TOPIC
• 4. CONCLUSION OF CHAPTER 1
• 5. THEORY ON EXPANDING OF CONSUMER CREDIT OF COMMERCIAL BANK
• 5.1. Bank credit basics
• 5.2. The concept of bank credit
• 5.3. The role of bank credit
• 5.4. Bank credit classification
• 5.5. Consumer credit concept and characteristics
• 5.6. Meaning and benefits of consumer credit
• 5.7. EXPANDING COMMERCIAL BANK’S CONSUMER CREDIT
• 5.7.1. The concept of consumer credit expansion
• 5.7.2. Factors reflect the expansion of consumer credit of commercial banks
• 5.7.3. Growth of outstanding consumer loans
• 5.7.4. Growth in terms of number of customers
• 5.7.5. The factor reflects the diversification of types of consumer loans
• 5.7.6. NPL ratio and overdue debt ratio
• 5.7.7. Factors affecting the expansion of consumer loans by commercial banks
• 5.7.7.1. The social environment
• 5.7.7.2. Factors from the borrower's side
• 5.7.7.3. Factors from the bank
• 6. SITUATION OF EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH
• 6.1. ABOUT SCB DONG NAI
• 6.1.1. Socio-economic situation in Dong Nai province
• 6.1.2. A brief overview of the formation and development of SCB Dong Nai
• 6.1.3. Organizational structure of the unit
• 6.1.3.1. Organizational structure diagram
• 6.1.3.2. Functions and duties of departments in the unit
• 6.1.4. Overview of the branch’s activities in the past time
• 6.2. REALITY OF EXPANDING CONSUMER CREDIT IN SCB DONG NAI
• 6.2.1. Issues related to consumer credit activities at SCB Dong Nai
• 6.2.2. The main consumer credit products that SCB Dong Nai is implementing presently
• 6.2.3. Business process of consumer lending at SCB
• 6.2.4. Analysis of consumer credit expansion at SCB Dong Nai in the period of 2017 - 2021
• 6.2.4.1. Consumer loan balance growth
• 6.2.4.2. Increasing the number of customers transacting about products for consumer loans
• 6.2.4.3. Bad debt and bad debt ratio
• 6.2.5. General assessment of the expansion of consumer credit at Dong Nai branch
• 6.2.6. Some limitations and reasons
• 6.3. CONCLUSION OF CHAPTER 3
• 7. SOME SOLUTIONS FOR EXPANDING CONSUMER LOANS IN DONG NAI BRANCH
• 7.1. ORIENTATION AND DEVELOPMENT STRATEGY OF SCB DONG NAI
• 7.1.1. General direction of SCB
• 7.1.2. Orientation of credit activities of SCB Dong Nai
• 7.2. SOME SOLUTIONS TO EXPAND CONSUMER CREDIT ACTIVITIES AT SCB DONG NAI
• 7.2.1. Develop policies to attract target customers
• 7.2.2. Loan interest rate solution
• 7.2.3. Promote marketing for consumer credit products
• 7.2.4. Building and perfecting customer care activities
• 7.2.5. Competing the consumer credit process
• 7.2.6. Modernize banking technology and facilities
• 7.2.7. Improve the quality of credit officers
• 7.3. SOME RECOMMENDATIONS FROM THE STATE, AGENCIES THAT RELATE TO
• 7.3.1. Building a legal system in the direction of promulgating regulations suitable designation
• 7.3.2. Strengthen the operation of credit information center (CIC)

Tóm tắt

I. Tổng quan về giải pháp mở rộng tín dụng tiêu dùng tại SCB Đồng Nai

Ngân hàng TMCP Sài Gòn - Chi nhánh Đồng Nai đang đối mặt với nhiều thách thức trong việc mở rộng tín dụng tiêu dùng. Tín dụng tiêu dùng không chỉ là một phần quan trọng trong hoạt động của ngân hàng mà còn là yếu tố thúc đẩy sự phát triển kinh tế địa phương. Việc tìm ra các giải pháp hiệu quả để mở rộng tín dụng tiêu dùng là cần thiết để đáp ứng nhu cầu ngày càng tăng của khách hàng.

1.1. Tình hình tín dụng tiêu dùng tại SCB Đồng Nai

Trong những năm qua, SCB Đồng Nai đã ghi nhận sự tăng trưởng đáng kể trong lĩnh vực tín dụng tiêu dùng. Tuy nhiên, vẫn còn nhiều vấn đề cần giải quyết để tối ưu hóa hoạt động này.

1.2. Vai trò của tín dụng tiêu dùng trong nền kinh tế

Tín dụng tiêu dùng đóng vai trò quan trọng trong việc thúc đẩy tiêu dùng và đầu tư cá nhân, từ đó góp phần vào sự phát triển kinh tế bền vững.

II. Những thách thức trong việc mở rộng tín dụng tiêu dùng tại SCB Đồng Nai

Mặc dù có nhiều cơ hội, SCB Đồng Nai cũng phải đối mặt với nhiều thách thức trong việc mở rộng tín dụng tiêu dùng. Các yếu tố như cạnh tranh từ các ngân hàng khác, sự thay đổi trong nhu cầu của khách hàng và các quy định pháp lý có thể ảnh hưởng đến khả năng mở rộng tín dụng.

2.1. Cạnh tranh từ các ngân hàng khác

Sự gia tăng số lượng ngân hàng và các sản phẩm tín dụng tiêu dùng đa dạng đã tạo ra áp lực lớn cho SCB Đồng Nai trong việc thu hút khách hàng.

2.2. Thay đổi trong nhu cầu của khách hàng

Khách hàng ngày càng có yêu cầu cao hơn về dịch vụ và sản phẩm tín dụng, điều này đòi hỏi SCB Đồng Nai phải liên tục cải tiến và đổi mới.

III. Giải pháp chính để mở rộng tín dụng tiêu dùng tại SCB Đồng Nai

Để mở rộng tín dụng tiêu dùng, SCB Đồng Nai cần áp dụng một số giải pháp chiến lược. Những giải pháp này không chỉ giúp tăng trưởng doanh thu mà còn nâng cao chất lượng dịch vụ khách hàng.

3.1. Phát triển chính sách thu hút khách hàng mục tiêu

Xây dựng các chính sách ưu đãi và chương trình khuyến mãi hấp dẫn để thu hút khách hàng mới và giữ chân khách hàng hiện tại.

3.2. Cải thiện quy trình cho vay

Tối ưu hóa quy trình xét duyệt hồ sơ vay vốn để giảm thời gian chờ đợi và nâng cao trải nghiệm của khách hàng.

3.3. Đầu tư vào công nghệ ngân hàng

Ứng dụng công nghệ hiện đại trong quản lý và cung cấp dịch vụ tín dụng tiêu dùng sẽ giúp SCB Đồng Nai nâng cao hiệu quả hoạt động.

IV. Ứng dụng thực tiễn và kết quả nghiên cứu tại SCB Đồng Nai

Việc áp dụng các giải pháp mở rộng tín dụng tiêu dùng đã mang lại nhiều kết quả tích cực cho SCB Đồng Nai. Các số liệu thống kê cho thấy sự gia tăng trong số lượng khách hàng và doanh thu từ tín dụng tiêu dùng.

4.1. Tăng trưởng số lượng khách hàng

Sự gia tăng trong số lượng khách hàng sử dụng dịch vụ tín dụng tiêu dùng đã chứng minh hiệu quả của các giải pháp đã triển khai.

4.2. Doanh thu từ tín dụng tiêu dùng

Doanh thu từ tín dụng tiêu dùng đã có sự tăng trưởng mạnh mẽ, góp phần vào sự phát triển chung của ngân hàng.

V. Kết luận và triển vọng tương lai của tín dụng tiêu dùng tại SCB Đồng Nai

Tín dụng tiêu dùng tại SCB Đồng Nai có nhiều triển vọng phát triển trong tương lai. Với các giải pháp đã được đề xuất, ngân hàng có thể mở rộng thị trường và nâng cao chất lượng dịch vụ.

5.1. Triển vọng phát triển tín dụng tiêu dùng

Dự báo nhu cầu tín dụng tiêu dùng sẽ tiếp tục tăng trong thời gian tới, tạo cơ hội cho SCB Đồng Nai mở rộng hoạt động.

5.2. Định hướng phát triển bền vững

SCB Đồng Nai cần xây dựng các chiến lược phát triển bền vững để đảm bảo sự ổn định và tăng trưởng lâu dài trong lĩnh vực tín dụng tiêu dùng.

Trích đoạn nội dung tài liệu

THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING BANKING UNIVERSITY OF HO CHI MINH CITY --------------------------------------------- THAI ANH TUAN - 050606180346 GRADUATION THESIS MAJOR : FINACE - BANKING CODE: 7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH ACADEMIC ADVISOR DUONG THI THUY AN, PHD. Ho Chi Minh City, June 2022 THE STATE BANK OF VIET NAM MINISTRY OF EDUCATION & TRAINING BANKING UNIVERSITY OF HO CHI MINH CITY --------------------------------------------- THAI ANH TUAN - 050606180346 GRADUATION THESIS MAJOR : FINACE - BANKING CODE: 7340201 SOLUTIONS FOR EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH ACADEMIC ADVISOR DUONG THI THUY AN, PHD. Ho Chi Minh City, June 2022 I DECLARATION I honestly declare that this graduation thesis entitled “Solutions for expanding consumer credit at Sai Gon Joint Stock Commercial Bank – Dong Nai branch” is the final result of my original research work under the guidance of PhD. Duong Thi Thuy An, my academic advisor.

The data in this thesis are used from legitimate and reliable sources from Saigon Joint Stock Commercial Bank - Dong Nai branch. All citations in this thesis are indicated in the reference and in the body of the report. I will take full responsibility for the authenticity of the thesis. Ho Chi Minh City, June 2022 Thai Anh Tuan II ACKNOWLEDGEMENT Reality shows that in order to be successful at work, it is necessary to have the support and help of those around whether it is a little or a lot.

During the time since the graduation thesis proposal started, I have received the attention, guidance and help of teachers, family and friends around. With extremely deep gratitude, I would like to express my sincere gratitude to the teachers of Banking University for using knowledge and enthusiasm to be able to convey to me the most valuable knowledge. Besides, I would like to thank the staff at Saigon Joint Stock Commercial Bank - Dong Nai Branch for supporting me with knowledges and data. Therefore, I can complete this gratuation thesis.

In particular, I would like to thank Ms. Duong Thi Thuy An for her dedication and guidance through each talk and discussion on the research topic. Those instructions and teachings helped my thesis outline has been remarkably completed. Once again, I would like to send my sincere thanks to my teacher.

This thesis was conducted in 10 weeks and my knowledge was limited. Therefore, I couldn't avoid my mistakes. Thereby, I look forward to receiving comments from teachers in the school to help my graduation thesis become more and more perfect. Thank you! III LIST OF ABBREVIATIONSS ABBREVIATIONS DEFINITION GDP Gross Domestic Product NPL Non-Performing loan SCB Sai Gon Joint Stock Commercial Bank VND Vietnam Dong SBV State Bank Of Vietnam etc.

Et Cetera IV ABSTRACT The commercial banking system is an important factor and take on many roles, affecting greatly the financial system and the economy of a country. A country with an efficient banking system will contribute significantly to the prosperity of the country. Currently, with the fierce competition among banks and the increasing demand from customers, banks are expanding their operation scale as well as increasing products and services for individuals and businesses. In which, credit activities are still the leading portfolio and account for a large proportion of the annual revenue for commercial banks in Vietnam.

Therefore, improving both quantity and quality of credit is always an important and necessary thing in credit management. In recent years, with the fast increase in prices of real estate products. Many people see this as an opportunity to change their lives through this real estate investment channel. The predictable result is that the need to borrow money to buy real estate which tends to increase massively and lose control.

This thing will cause many consequences for the economy. With moves that tighten real estate loans of SBV, banks will turn to expand in more consumer loans. That is the reason that I choose the topic "Solutions for expanding consumer credit at Sai Gon Joint Stock Comercial bank - Dong Nai branch" to research the reality of consumer credit and solutions to improve both in terms of quality and quantity of consumer credit. The content of the thesis is limited to SCB Dong Nai's consumer credit research from 2017 to 2021 and exclude other credit activities.

The data provided by SCB Dong Nai to the author to serve the writing process. With the method of research is investigation methods, analytical methods, synthesis, statistics and comparison. In addition, the thesis also uses the bank's data sheet to calculate and achieve the goal of expanding consumer credit at Saigon Joint Stock Commercial Bank - Dong Nai Branch. The author has reviewed and studied the current situation of consumer lending V activities of Saigon Joint Stock Commercial Bank - Dong Nai Branch in the period of 2017 – 2021.

The author will make an assessment to look for the existing limitations as well as potential development opportunities that have yet to be used in the credit loan process of the bank. Finally, the author will propose a number of ideas to overcome and minimize existing limitations in the consumer lending process as well as solutions to expand consumer credit. VI LIST OF TABLE Name Page Figure 3. Organizational structure of SCB Dong Nai 24 Table 3.

Capital mobilization of SCB Dong Nai in the period of 26 2017 – 2021 Table 3. Growth rate of capital mobilization of SCB Dong Nai in 27 the period of 2017 – 2021 Table 3. Loan balance of SCB Dong Nai in the period of 2017 29 – 2021 Table 3. Growth rate of loan balance of SCB Dong Nai 29 Table 3.

Growth of consumer loans balance of SCB Dong Nai in 36 the period of 2017 – 2021 Chart 3. Growth in consumer loans balance of SCB Dong Nai in 36 the period of 2017 – 2021 Table 3. Average consumer loans balance of SCB Dong Nai 37 in the period of 2017 – 2021 Table 3. Growth rate of average consumer loans balance of 38 SCB Dong Nai in the period of 2017 – 2021 Chart 3.

The fluctuation of average consumer loans balance 39 Table 3. Structure of consumer loans by term of SCB Dong 40 Nai in the period of 2017 -2021 VII Chart 3. Structure of consumer loans by term of SCB Dong Nai in 40 the period of 2017 -2021 Table 3. Structure of consumer loans by purpose of SCB Dong Nai 42 in the period of 2017 -2021 Chart 3.

Structure of consumer loans by purpose of SCB Dong Nai 43 in the period of 2017 – 2021 Table 3. Structure of consumer loans balance by guarantees of 44 SCB Dong Nai in the period of 2017 – 2021 Table 3. Growth rate of structure of consumer loans balance by 44 guarantees of SCB Dong Nai in the period of 2017 – 2021 Table 3. Growth in consumer loan income of SCB Dong Nai in 45 the period of 2017 – 2021 Table 3.

Overdue debt ratio for consumer loans at SCB Dong Nai 47 in the period of 2017 – 2021 Table 3. Bad debt for consumer loans at SCB Dong Nai in the 48 period of 2017 – 2021 VIII TABLE OF CONTENT DECLARATION. II LIST OF ABBREVIATIONSS. IV LIST OF TABLE.

OBJECTIVES OF THE STUDY. OBJECT AND SCOPE OF THE STUDY. THE LAYOUT OF THE TOPIC .2 CONCLUSION OF CHAPTER 1. THEORY ON EXPANDING OF CONSUMER CREDIT OF COMMERCIAL BANK.

Bank credit basics. The concept of bank credit. The role of bank credit. Bank credit classification.

Consumer credit concept and characteristics. Meaning and benefits of consumer credit. EXPANDING COMMERCIAL BANK’S CONSUMER CREDIT. The concept of consumer credit expansion.

Factors reflect the expansion of consumer credit of commercial banks. Growth of outstandng consumer loans. Growth in terms of number of customers. The factor reflects the diversification of types of consumer loans.

NPL ratio and overdue debt ratio. Factors affecting the expansion of consumer loans by commercial banks. The social environment. Factors from the borrower's side.

Factors from the bank .21 CONCLUSION OF CHAPTER 2. SITUATION OF EXPANDING CONSUMER CREDIT AT SAI GON JOINT STOCK COMMERCIAL BANK – DONG NAI BRANCH. ABOUT SCB DONG NAI. Scio-economic situation in Dong Nai povince.

A brief overview of the formation and development of SCB Dong Nai. Organizational structure of the unit. Organizational structure diagram. Functions and duties of departments in the unit.

Overview of the branch’s activities in the past time. REALITY OF EXPANDING COSUMER CREDIT IN SCB DONG NAI. Issues related to consumer credit activities at SCB Dong Nai. The main consumer credit products that SCB Dong Nai is implementing presently.

Business process of consumer lending at SCB. Analysis of consumer credit expansion at SCB Dong Nai in the period of 2017 - 2021. Consumer loan balance growth. Increasing the number of customers transacting about products for consumer loans.

Bad debt and bad debt ratio. General assssment of the expansion of consumer credit at Dong Nai branch. Some limitations and reasons .52 CONCLUSION OF CHAPTER 3. SOME SOLUTIONS FOR EXPANDING CONSUMER LOANS IN DONG NAI BRANCH.

ORIENTATION AND DEVELOPMENT STRATEGY OF SCB DONG NAI. General direction of SCB. Orientation of credit activities of SCB Dong Nai. SOME SOLUTIONS TO EXPAND CONSUMER CREDIT ACTIVITIES AT SCB DONG NAI.

Develop policies to attract target customers. Loan interest rate solution. Promote marketing for consumer credit products. Building and perfecting customer care activities.

Competing the consumer credit process. Modernize banking technology and facilities. Improve the quality of credit officers. SOME RECOMMENDTIONS FROM THE STATE, AGENCIES THAT RELATE TO.

Building a legal system in the direction of promulgating regulations suitable designation. Strengthen the operation of vredit information center (CIC). RESEARCH BACKGROUND As an indispensable intermediary of the financial system, the Bank has affirmed its position. The image of the bank is no longer as unfamiliar to everyone as it used to be.

The quality of life and the standard of living has been improved. Therefore, the needs of people are increase highly. Especially, demand of consumer credit increased at a dizzying rate. Consumer credit is considered a valueable thing for banks to exploit.

Currently, the loan to buy real estate in a way too much. Experts have repeatedly warned that some banks' massively lending real estate and especially mortgage with corporate bonds will cause consequences for the economy. For that reason, banks are strongly reducing real estate loans and concentrating capital on other priority areas such as consumer loans or production and business loans. Because of that, the implementation of this study is completely feasible and necessary, especially during the time when real estate is in short supply, there will be an opportunity for consumer loans to take the throne.

From the above thoughts and with my concerns about consumer credit banking, I chose the topic "Solutions for expanding consumer credit at Saigon Joint Stock Commercial Bank - Dong Dong branch” for graduation thesis. OBJECTIVES OF THE STUDY - General objective: The study is carried out to determine the factors affecting the quality as well as the ability to expand consumer loans of commercial banks and propose some solutions and recommendations to the banker for reducing the risk of reduced credit quality, bad debts and improving the efficiency of business operations for banks, thereby expanding consumer credit of commercial banks. - Specific goals: To achieve goals which has mentioned, specific goals include: Determining factors affecting credit risk of commercial banks in Vietnam.