Giải pháp nâng cao hiệu quả hoạt động tín dụng cho SMEs tại Ngân hàng TMCP Sài Gòn (SCB)

Chuyên khảo kinh tế phân tích Luận văn học viện tài chính situation solutions to improve the efficiency of credit operation to, đánh giá các khía cạnh quan trọng, đề xuất hướng

• Tác giả: Pham Thi Thuy Hang
• Người hướng dẫn: Mr Do Thanh Trung
• Trường học: Academy Of Finance
• Chuyên ngành: Finance
• Đề tài: Giải Pháp Nâng Cao Hiệu Quả Hoạt Động Tín Dụng Cho SMEs Tại Ngân Hàng TMCP Sài Gòn (SCB)
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2016
• Địa điểm: Ha Noi

Mục lục chi tiết

• DECLARATION
• ABSTRACT
• ACKNOWLEGEMENTS
• TABLE OF CONTENTS
• LIST OF ABBREVIATIONS
• LIST OF FIGURES AND TABLES
• INTRODUCTION
• 0.1. Rationale of study
• 0.2. Aims of the study
• 0.3. Scope of study
• 0.4. Methodology
• 0.5. Organization of the study
• 1. CHƯƠNG 1: LITERATURE REVIEW
• 1.1. Basic activities of commercial banks. Small and medium - sized enterprises (SMEs)
• 1.1.1. Characteristics of SMEs
• 1.1.2. Roles of SMEs
• 1.1.3. Standards of SMEs in the world and Viet Nam
• 1.1.4. SMEs in Viet Nam and Hai Phong
• 1.1.5. Credit operations to SMEs
• 1.1.5.1. Definition of lending
• 1.1.5.2. Features of credit operation
• 1.1.5.3. Goals of credit operation
• 1.1.5.4. The efficiency of bank credit
• 1.1.5.5. The necessity of credit efficiency improvement
• 2. CHƯƠNG 2: CURRENT SITUATION OF CREDIT OPERATION TO SMEs IN SAI GON JOINT STOCK COMMERCIAL BANK, HONG BANG BRANCH, HAI PHONG CITY
• 2.1. Overview about Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city
• 2.1.1. The formation and development of Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city
• 2.1.2. Structure of SCB, Hong Bang branch, Hai Phong city
• 2.1.3. Current situation of business operation in SCB, Hong Bang branch, Hai Phong city in 2012-2014
• 2.1.3.1. Capital mobilization activity
• 2.1.3.2. Business result of SCB, Hong Bang branch, Hai Phong city
• 2.1.4. Current situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city. Credit products and services to SMEs in SCB, Hong Bang branch, Hai Phong city
• 2.1.4.1. The process of granting credit terms to SMEs in SCB, Hong Bang branch, Hai Phong city
• 2.1.4.2. Scales and the situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city
• 2.1.4.3. Evaluation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city in 2012-2014
• 2.1.4.4. Achievements in credit operation efficiency to SMEs in SCB, Hong Bang, Hai Phong city
• 2.1.4.5. Limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city
• 2.1.4.6. Reasons for limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city
• 3. CHƯƠNG 3: SOLUTIONS TO IMPROVE THE EFFICIENCY OF CREDIT OPERATION TO SMEs IN SCB, HONG BANG BRANCH, HAI PHONG CITY
• 3.1. Development orientation of SCB, Hong Bang branch, Hai Phong city
• 3.1.1. General orientation of SCB, Hong Bang branch, Hai Phong city
• 3.1.2. Orientation towards the improvement of credit operation efficiency to SMEs in 2015-2020
• 3.2. The experience of some countries in Asia about credit operation to SMEs and lessons learned to Viet Nam
• 3.2.1. The experience of some countries in Asia about credit operation to SMEs
• 3.2.2. Lessons learned to Viet Nam
• 3.3. Solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city
• 3.3.1. Focusing on the quality of capital mobilization activity. Building a flexible lending rate mechanism to SMEs
• 3.3.2. Improving the efficiency of appraisal to SMEs
• 3.3.3. Simplifying loan procedures, loan profile to SMEs
• 3.3.4. Regular monitoring of credit to SMEs
• 3.3.5. Completing the information system
• 3.3.6. Improving the level of credit officers
• 3.3.7. Recommendations to the government, State Bank of Vietnam, SMEs and SCB's headquarter
• 3.3.7.1. Recommendations to the Government
• 3.3.7.2. Recommendations to the State Bank of Viet Nam
• 3.3.7.3. Recommendations to SCB's headquarter
• 3.3.7.4. Recommendations to SMEs
• CONCLUSION
• REFERENCE

Tóm tắt

I. Tổng quan về hiệu quả hoạt động tín dụng cho SMEs tại SCB

Hoạt động tín dụng cho các doanh nghiệp vừa và nhỏ (SMEs) tại Ngân hàng TMCP Sài Gòn (SCB) đóng vai trò quan trọng trong việc thúc đẩy tăng trưởng kinh tế. SMEs chiếm tỷ lệ lớn trong nền kinh tế Việt Nam, đóng góp gần 40% GDP và 50% việc làm. Tuy nhiên, việc tiếp cận tín dụng vẫn gặp nhiều khó khăn. SCB đã có những nỗ lực trong việc cải thiện hiệu quả hoạt động tín dụng, nhưng vẫn còn nhiều thách thức cần giải quyết.

1.1. Định nghĩa và vai trò của SMEs trong nền kinh tế

SMEs là những doanh nghiệp có quy mô nhỏ và vừa, đóng góp quan trọng vào sự phát triển kinh tế. Chúng tạo ra việc làm và thúc đẩy đổi mới sáng tạo. Tuy nhiên, SMEs thường gặp khó khăn trong việc tiếp cận nguồn vốn từ ngân hàng.

1.2. Tình hình hoạt động tín dụng tại SCB

SCB đã thực hiện nhiều biện pháp để nâng cao hiệu quả hoạt động tín dụng cho SMEs. Tuy nhiên, vẫn còn tồn tại nhiều hạn chế như quy trình cho vay phức tạp và lãi suất cao.

II. Thách thức trong hoạt động tín dụng cho SMEs tại SCB

Mặc dù SCB đã có những bước tiến trong việc hỗ trợ SMEs, nhưng vẫn tồn tại nhiều thách thức lớn. Các doanh nghiệp này thường gặp khó khăn trong việc chứng minh khả năng tài chính và độ tin cậy, dẫn đến việc ngân hàng ngần ngại trong việc cấp tín dụng.

2.1. Rủi ro tín dụng và quản lý rủi ro tại SCB

Rủi ro tín dụng là một trong những yếu tố chính khiến SCB cẩn trọng trong việc cho vay. Việc quản lý rủi ro hiệu quả là cần thiết để bảo vệ lợi ích của ngân hàng và khách hàng.

2.2. Quy trình cho vay phức tạp và thiếu minh bạch

Quy trình cho vay tại SCB thường phức tạp và thiếu minh bạch, khiến SMEs khó khăn trong việc tiếp cận vốn. Điều này cần được cải thiện để tạo điều kiện thuận lợi hơn cho doanh nghiệp.

III. Giải pháp nâng cao hiệu quả hoạt động tín dụng cho SMEs tại SCB

Để nâng cao hiệu quả hoạt động tín dụng cho SMEs, SCB cần áp dụng một số giải pháp cụ thể. Những giải pháp này không chỉ giúp cải thiện quy trình cho vay mà còn tăng cường sự tin tưởng của SMEs vào ngân hàng.

3.1. Cải thiện quy trình cho vay và giảm lãi suất

Cần đơn giản hóa quy trình cho vay và giảm lãi suất để tạo điều kiện thuận lợi cho SMEs. Điều này sẽ giúp tăng cường khả năng tiếp cận vốn cho các doanh nghiệp.

3.2. Tăng cường đào tạo và nâng cao năng lực cho nhân viên tín dụng

Đào tạo nhân viên tín dụng về cách đánh giá và hỗ trợ SMEs sẽ giúp cải thiện chất lượng dịch vụ và tăng cường sự hài lòng của khách hàng.

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

Nghiên cứu cho thấy rằng SCB đã đạt được một số thành công trong việc cải thiện hiệu quả hoạt động tín dụng cho SMEs. Tuy nhiên, cần có những biện pháp cụ thể để khắc phục những hạn chế còn tồn tại.

4.1. Kết quả đạt được từ các giải pháp đã triển khai

Các giải pháp đã triển khai tại SCB đã giúp tăng cường khả năng tiếp cận vốn cho SMEs, giảm tỷ lệ nợ xấu và tăng trưởng doanh thu.

4.2. Những bài học kinh nghiệm từ các ngân hàng khác

Học hỏi từ kinh nghiệm của các ngân hàng khác trong việc hỗ trợ SMEs có thể giúp SCB cải thiện hơn nữa hiệu quả hoạt động tín dụng.

V. Kết luận và triển vọng tương lai cho hoạt động tín dụng tại SCB

Hoạt động tín dụng cho SMEs tại SCB có nhiều tiềm năng phát triển. Tuy nhiên, để đạt được hiệu quả cao hơn, ngân hàng cần tiếp tục cải thiện quy trình và chính sách tín dụng. Tương lai của hoạt động tín dụng cho SMEs tại SCB sẽ phụ thuộc vào khả năng thích ứng và đổi mới của ngân hàng.

5.1. Triển vọng phát triển tín dụng cho SMEs trong tương lai

Với sự hỗ trợ từ chính phủ và các chính sách hợp lý, hoạt động tín dụng cho SMEs tại SCB có thể phát triển mạnh mẽ hơn trong tương lai.

5.2. Khuyến nghị cho SCB và các bên liên quan

SCB cần tiếp tục lắng nghe ý kiến từ SMEs và điều chỉnh chính sách tín dụng để đáp ứng tốt hơn nhu cầu của thị trường.

Trích đoạn nội dung tài liệu

1 Graduation Thesis DECLARATION Signed hereby, certify hereby that this is my own research. The content and the figures presented in the thesis reflected a fair and true situation of the internship organization. Ha Noi, May 9th, 2016 Student Pham Thi Thuy Hang Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 2 Graduation Thesis ABSTRACT This thesis is aimed at studying situation and solutions to improve the efficiency of credit operation to SMEs in Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city from 2012 to 2014. This thesis was clearly analyzed through using the following methodology: comparing, statistics, analysis, synthesis, description, etc.

All data were collected from the financial statement, income statement, annual reports of SCB – Hong Bang branch from 2012 to 2014. It can be said that the branch has gained some achievements in improving the efficiency of credit operation through facilitating loans to SMEs in the period of economic crisis, success in controlling bad debts and overdue loans and implementing some appropriate strategies about the structure of banks' loans and loan security. However, there are still shortcomings including low loan sales to SMEs, low outstanding loans to SMEs, unprofessional in lending procedures, only focusing on loans to SMEs in the short term. From the results, some proposals were given to the Government, the State Bank of Viet Nam, SMEs and SCB's headquarter.

Hopefully, this thesis will provide general support for SCB– Hong Bang branch, Hai Phong city to have a better result in credit operation to SMEs in the near future. Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 3 Graduation Thesis ACKNOWLEGEMENTS To fulfill this thesis, I would like to give my special thanks to many people for their significant helps, contributions, recommendations and encouragement during my writing process. Firstly and foremost, I would like to give my heartfelt thanks to Ms Pham Phuong Oanh, my supervisor who has provided me the valuable support, practical insights and helpful feedback from the beginning of forming thesis’s topic until the completion. Secondly, I also express profound gratitude to all staffs of SCB – Hong Bang branch, Hai Phong city, credit department and especially Mr Do Thanh Trung, my instructor for his enthusiastic instructions and useful data that he gave to me.

In addition, I highly appreciated indirect support from Finance - Accounting Department staffs, who gave me a straightway instruction, reminded me of the internship schedule, supported reference documents, and were always available anytime for help. Finally, I owe my sincere thanks to my family and friends. Their continuous assistance and encouragement helped me a lot during time of internship and attempt to finish this study. Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 4 Graduation Thesis TABLE OF CONTENTS DECLARATION i ABSTRACT ii ACKNOWLEGEMENTS iii TABLE OF CONTENTS iv LIST OF ABBREVIATIONS vii INTRODUCTION 1 CHAPTER 1 4 LITERATURE REVIEW 4 1.

Basic activities of commercial banks. Small and medium - sized enterprises (SMEs) 11 1. Characteristics of SMEs 11 1. Roles of SMEs 12 1.

Standards of SMEs in the world and Viet Nam 13 1. SMEs in Viet Nam and Hai Phong 15 1. Credit operations to SMEs 16 1. Definition of lending 16 1.

Features of credit operation 17 1. Goals of credit operation 17 1. The efficiency of bank credit 18 1. The necessity of credit efficiency improvement 22 Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 5 Graduation Thesis CHAPTER 2: CURRENT SITUATION OF CREDIT OPERATION TO SMEs IN SAI GON JOINT STOCK COMMERCIAL BANK, HONG BANG BRANCH, HAI PHONG CITY 23 2.

Overview about Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2. The formation and development of Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2. Structure of SCB, Hong Bang branch, Hai Phong city 24 2. Current situation of business operation in SCB, Hong Bang branch, Hai Phong city in 2012-2014 25 2.

Capital mobilization activity 25 2. Business result of SCB, Hong Bang branch, Hai Phong city 30 2. Current situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city. Credit products and services to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.

The process of granting credit terms to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2. Scales and the situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city 36 2. Evaluation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city in 2012-2014 47 2. Achievements in credit operation efficiency to SMEs in SCB, Hong Bang, Hai Phong city 47 2.

Limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 49 2. Reasons for limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 50 Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 6 Graduation Thesis CHAPTER 3: SOLUTIONS TO IMPROVE THE EFFICIENCY OF CREDIT OPERATION TO SMEs IN SCB, HONG BANG BRANCH, HAI PHONG CITY 52 3. Development orientation of SCB, Hong Bang branch, Hai Phong city 52 3. General orientation of SCB, Hong Bang branch, Hai Phong city 52 3.

Orientation towards the improvement of credit operation efficiency to SMEs in 2015-2020 53 3. The experience of some countries in Asia about credit operation to SMEs and lessons learned to Viet Nam 54 3.1 The experience of some countries in Asia about credit operation to SMEs 54 3. Lessons learned to Viet Nam 55 3. Solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city 55 3.

Focusing on the quality of capital mobilization activity. Building a flexible lending rate mechanism to SMEs 56 3. Improving the efficiency of appraisal to SMEs 56 3. Simplifying loan procedures, loan profile to SMEs 57 3.

Regular monitoring of credit to SMEs 57 3. Completing the information system 58 3. Improving the level of credit officers 58 3. Recommendations to the government, State Bank of Vietnam, SMEs and SCB's headquarter 59 3.

Recommendations to the Government 59 3. Recommendations to the State Bank of Viet Nam 59 3. Recommendations to SCB's headquarter 60 Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 7 Graduation Thesis 3. Recommendations to SMEs 61 CONCLUSION 62 REFERENCE 63 LIST OF ABBREVIATIONS AOF Academy Of Finance EBT Earnings Before Tax ECU European Currency Unit ESAF Enhanced Structural Adjustment Facility EU European GDP Gross Domestic Product GSO General Statistic Office JPY Japanese Yen No Number ODA Official Development Assistant SCB Sai Gon Joint Stock Commercial Bank SISME Science Institution of Small and Medium - sized Enterprise SMEs Small and Medium - sized Enterprises Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 8 Graduation Thesis US United States VND Viet Nam Dong Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 9 Graduation Thesis LIST OF FIGURES AND TABLES Figure 1: Organizational structure of SCB, Hong Bang branch, Hai Phong Table 1: Types of loans in commercial banks 7 Table 2: Standards of SMEs in some countries 13 Table 3: Standards of SMEs in Viet Nam 14 Table 4: Total mobilized capital of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 26 Table 5: Lending situation of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 29 Table 6: Business results of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 31 Table 7: Loan sales to SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 36 Table 8: The outstanding loans to SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 38 Table 9: The outstanding loans situation to SMEs was classified by term in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 39 Table 10: The situation of outstanding loans to SMEs was classified by collateral in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 41 Table 11: The situation of the outstanding loans to SMEs was classified by economic sectors in SCB, Hong Bang branch, Hai Phong city in 2012-2014 42 Table 12: The rate of SMEs' overdue loans in SCB, Hong Bang branh, Hai Phong city from 2012 to 2014 44 Table 13: The rate of bad debts of SMEs in SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 45 Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 10 Graduation Thesis Table 14: Income ratio of SCB, Hong Bang branch, Hai Phong city from 2012 to 2014 46 Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 11 Graduation Thesis INTRODUCTION 1, Rationale of study Small and medium – sized enterprises (SMEs) play an important role for Viet Nam's economy, especially in the period of industrialization, modernization as well as international economic integration.

The fact shows that SMEs have contributed nearly 40 percent of GDP and 50 percent of jobs for the society. Therefore, this type of enterprises receives a lot of interest and support from the government. It is confirmed that the bank credit greatly contributes to the success of SMEs. The reason is that commercial banks are considered as a funding channel of national and global economy.

They are very important position in financial intermediation system. In commercial banks, lending activity is one of the most basic and practical activity. However, commercial banks are cautious when deciding to make loans to SMEs because this type of enterprises has potential risks affecting the continuity of business operation of the banks and leads to the loss of banks' solvency now. As a result, SMEs are difficult to access to capital of commercial banks and not many chances to innovate technology.

It causes that the credit operation to SMEs of commercial banks is limited. Commercial banks in general and Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city in particular also make efforts to enhance the quality of credit to SMEs, but in fact, these banks only focus on loans to SMEs in the short term with high interest rates to limit risks, give complex loan procedures and resolutely say no to customers who do not meet the lending conditions. As a result, it significantly affects commercial banks' profits and SMEs miss investment opportunities. Clearly, improving the efficiency of credit operation to SMEs Pham Thi Thuy Hang CQ50/51.02 LUAN VAN CHAT LUONG download : add [e-mail] 12 Graduation Thesis is very important.

Based on this viewpoint and current situation of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city, I chose the topic: "Situation, solutions to improve the efficiency of credit operation to SMEs in the Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city" to study. 2, Aims of the study The study focused on the efficiency of credit operation to SMEs and solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city. The research aimed at three main purposes. Firstly, the thesis gave theoretical background about credit operation efficiency to SMEs in commercial banks.

Secondly, the thesis analyzed and evaluated current situation of credit operation to SMEs in SCB, Hong Bang, Hai Phong city. Finally, the thesis gave solutions and recommendations to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city.