THANK YOU After my internship at a teller office of Vietnam Technological and Commercial Joint Stock Bank (Techcombank Phuc Phuc branch), with the enthusiastic help and advice from the staff in Techcombank, I finished my paper. Graduate internship report. During the time of studying and studying at the bank, there was only 2 months but I learned from practical experiences which are very different from the theory of books on the school chair. I would like to express my sincere thanks to the Board of Directors of Vietnam Technological and Commercial Joint Stock Bank (Techcombank Phuc Phuc branch), the staff and employees of the bank for creating favorable conditions for me throughout.
I would also like to send a special thank you to Ms. Dang Thuy Nhung who accompanied and took care of the province during the process of completing this report. During the internship in the bank as well as in the process of completing the report, because of the limited time and limited experience, it is difficult for me to avoid mistakes, I hope teachers in the International Training Department give up Pass and teach me more. I look forward to receiving the sincere contributions from the teachers to improve knowledge and supplement experience to serve the practical work in the future.
Thank you sincerely ! Students practice TABLE OF CONTENTS LIST OF ABBREVIATIONS LIST OF TABLES FOREWORD 1. The urgency of the topic In the current trend of globalization and modernization, integration into the region or the world is an indispensable trend for any country, Vietnam is no exception. The goal of the Party and the State is to fulfill the task of industrialization - modernization, bringing Vietnam from an agricultural country to an advanced industrialized country. In particular, to perform this important task, which is one of the prerequisites to contribute to economic growth, the level of economic growth will depend on the size and efficiency of investment capital.
In particular, the system of commercial banks is always the largest financial intermediary and also the financial intermediary that economic entities transact most often in any country. Important functions such as intermediary payment, credit intermediaries, banks have made positive contributions to promoting goods circulation, speeding up payment, capital flow, saving much. Especially with capital mobilization activities, the bank will mobilize and focus idle capital sources, thereby providing capital to ensure that all production, business and transactions processes are carried out continuously and according to regulations. Production scale has been expanded, promoting import and export activities, contributing to creating jobs for workers.
In order to attract the most efficient capital, the banks must set up a plan to attract capital efficiently and reasonably. However, this work is always affected by many complex and constantly changing factors, especially in the context that the economy of the country is facing difficulties in curbing inflation and stability. The economy, in addition to the fierce competition between banks,. so the implementation of the bank's plan to attract capital is facing many difficulties and obstacles.
Therefore, capital mobilization is one of the most important activities of a commercial bank, not only affecting the bank's business activities but also affecting the country's economic growth, requiring a large amount of capital. investment to meet current economic needs. Thus, raising capital for business will be put first with commercial banks and Techcombank Phuc Yen is no exception. During my internship at the bank, I realized the importance of raising capital, along with the knowledge of school training, I learned about the actual situation at Techcombank Phuc Yen and chose the topic: " Solutions to improve the quality of capital mobilization at Techcombank Phuc Yen branch ”as the topic of her graduation thesis report and research.
Research purpose - Research the theoretical basis for capital mobilization and efficiency of commercial banks' capital mobilization in the market economy - Analyze and assess the status of capital mobilization at Techcombank Phuc Yen branch - Proposing solutions to improve capital mobilization efficiency at Techcombank Phuc Yen branch. Research subject and scope - Subject of the study is the capital mobilization work at Techcombank, Phuc Yen branch - Research scope is Techcombank's Phuc Yen branch's activities in 2017, 2018 and 2019. Research Methodology Research methods are mainly used: - Methods of collecting information - Statistical and analytical methods - Information collected through many channels such as financial statements (2017, 2018, 2019), departments of Techcombank Phuc Yen branch, .\ - The analytical method uses the collected information, combined with the methods of comparison, comparison, aggregation of information, thereby making comments on the capital mobilization picture at Techcombank Phuc Phuc branch. Topic structure The thesis is presented in 3 chapters with the following basic contents CHAPTER I: THEORETICAL BASIS ON CAPITAL EFFICIENCY EFFICIENCY OF COMMERCIAL BANKS 1.
OVERVIEW OF COMMERCIAL BANK 1.1 Definition of commercial banks According to Assoc. Phan Thi Thu Ha: Banking is a type of credit institution that performs all banking activities and other related business activities. According to the nature and operational objectives, the types of banks include commercial banks, investment banks, policy banks, cooperative banks and other types of banks ”. According to Assoc.
Le Van Tien “Banking activities are money trading and banking services with regular content of receiving deposits and using this money to provide credit and provide payment services. According to Assoc. Phan Thi Cuc “Banks are financial institutions that provide a list of the most diverse financial services - especially credit, savings, payment services and performing a variety of financial functions. the most important of any business organization in the economy ”.
Within the scope of the essay, the author uses the definition of Assoc. Phan Thi Thu Ha and this definition is used throughout the essay.2 Roles of commercial banks 1. For commercial banks Commercial banks have full discretion over the risk. This only happens when banks offer loans to businesses or individuals.
For example, when individuals want to borrow money from a bank, the bank will check the borrower's finances, including income, credit scores, debt levels and other factors. The results of this analysis help the bank assess customers' solvency. By eliminating risky customers, commercial banks reduce the risk of financial losses. As a result, loans grow without any problems, thereby creating a larger source of capital for banks to continue lending, supporting economic development.
For customers Commercial banks are places of deposit - deposits of customers, and use of deposits for profit-making purposes, and interest for customers. In addition, commercial banks ensure loans to reach trusted customers. Customers often use their loans to make big deals, such as buying a home, investing in education and making expenditures. For economy • Banks are the source of capital for the economy Commercial banks were born as a key to help those who need capital to get capital and people with temporary idle capital can earn interest from capital.
Banks can also balance capital in the economy to help all economic sectors develop together. Banks will mobilize idle temporary capital from businesses, individuals will then re-supply to those in need of capital to conduct reproduction with more modern equipment, create better products. have a higher profit. The more society develops, the more capital it needs for the economy.
No organization can meet it. • Banking is a bridge between businesses and markets In a market economy, enterprises do not have to produce anything but always have to answer three questions: what to produce? how to produce ? and for whom? Means production according to market signals. The market requires businesses to produce products with better quality, better designs, in accordance with the tastes of consumers. In order to do so, businesses must be invested with modern technology lines, the qualifications of officials and workers must be improved.
These activities require businesses to have a large amount of investment capital. big and to meet only the banks. The bank will help businesses to implement their innovations, get quality products, cheap prices, improve competitiveness. • Commercial banks are macroeconomic regulating tools of the State Commercial banks as the currency center of the whole economy, ensuring the harmonious development for all economic sectors when participating in production and business activities, can be said every assignment.
The Bank's actions have affected more or less other economic sectors. Therefore, the effective operation of commercial banks through its business operations is really a good tool for the State to conduct macro-economic regulation. Commercial banks directly contribute to expanding the amount of money supplied in circulation. On the other hand, with the lending of components in the economy, commercial banks have conducted the direction of cash flows, gathering and distributing capital of the market, controlling them effectively, ensuring adequate supply.
timely enough capital needs for the reproduction process as well as implementing the role of indirect regulation macro economy. • Commercial banks are the bridge between national finance and international finance. Commercial banks are intermediaries and bridges to integrate. Today, offshore investment is an important and profitable investment.
At the same time, countries need to export goods that they have a comparative advantage and import those they lack. Commercial banks with business operations such as receiving deposits, loans, guarantees. and especially international payment operations, have contributed to facilitating and promoting foreign trade. be expanded and developed.3 Basic operations of commercial banks Modern commercial banks operate with three main operations: capital raising operations, capital operations and other intermediaries.
These three operations have a close relationship, supporting and promoting each other to develop, creating a reputation and competitive strength for commercial banks, which intertwine each other in the process of operation of the Bank. , creating a unified whole in the business operation process of commercial banks.1 Capital raising operations Chart 1: Capital raising operation Commercial Bank Capital mobilization Use of funds Intermediates Issue Credit Provide Guarantee Dep value institutio Loan Invest Capital Invest insurance n reserve osits papers • Deposit receiving operation This is a business that reflects the activities that the Bank receives deposits from businesses for payment or for the purpose of preserving assets from which commercial banks can mobilize. In addition, commercial banks can also mobilize idle money of individuals or households deposited in banks with the purpose of preserving or earning interest on the deposits. • Valuable paper issuance profession Commercial banks mostly use this service to attract relatively stable and long-term capital, to ensure the ability to invest, to fully provide medium and long- term credits.
Moreover, this service also helps commercial banks reduce risks and enhance stability in business operations. • Transactions from other credit institutions Borrowing service is used frequently by commercial banks to create business capital for themselves by borrowing credit institutions in the money market and borrowing from the State Bank in the form of rediscount or secured loans. The loans from the State Bank are mainly aimed at creating a balance in the management of capital of the commercial bank itself when it cannot balance the capital on the basis of on-site exploitation.2 Capital-using operations • Lending operations: Lending is the most important business of commercial banks. Commercial banks borrow to lend, so whether or not to lend is a problem that all commercial banks have to find ways to solve.
Normally, profit from lending activities accounts for 65-70% of total bank profits. Lending operations can be classified in several ways: by short-term, medium-term, long-term loans, by the form of secured loans, unsecured loans, by the purpose of having loans. Loans for real estate, commercial loans, personal loans, agricultural loans, leasing loans,. • Financial investment operations In addition to credit operations, commercial banks also use capital mobilized from the population, from economic and social organizations to invest in the economy in the forms of capital contribution, capital contribution, business.
securities and directly earn a return on those investments 1. Other intermediaries • Payment service: It can be said that the bank is the cashier of the economy.