Khóa luận tốt nghiệp ngoại ngữ solutions for developing green banking at vietnam bank for agriculture and rural development

Khóa luận tốt nghiệp nghiên cứu tốt nghiệp ngoại ngữ solutions for developing green banking at vietnam bank for agriculture and, vận dụng lý thuyết vào thực tế, đề xuất giải pháp

• Tác giả: Nguyen Thi Anh
• Người hướng dẫn: Pham Thi Hoang Anh
• Trường học: State Bank of Vietnam Banking Academy
• Chuyên ngành: Foreign Language
• Đề tài: Giải Pháp Phát Triển Ngân Hàng Xanh Tại Agribank Việt Nam
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2020
• Địa điểm: Hanoi

Tóm tắt

I. Giới thiệu về ngân hàng xanh

Ngân hàng xanh, hay còn gọi là ngân hàng bền vững, là một mô hình ngân hàng mới nhằm cân bằng giữa lợi ích kinh tế và bảo vệ môi trường. Mô hình này không chỉ tập trung vào lợi nhuận mà còn chú trọng đến tác động môi trường của các hoạt động tài chính. Agribank, với vai trò là ngân hàng hàng đầu trong lĩnh vực nông nghiệp và phát triển nông thôn tại Việt Nam, có thể đóng góp quan trọng vào việc phát triển ngân hàng xanh. Việc áp dụng các giải pháp tài chính bền vững sẽ giúp Agribank không chỉ nâng cao hiệu quả kinh doanh mà còn góp phần bảo vệ môi trường. Theo nghiên cứu, ngân hàng xanh có thể thúc đẩy sự phát triển kinh tế bền vững thông qua việc cung cấp các sản phẩm và dịch vụ tài chính thân thiện với môi trường.

1.1 Định nghĩa ngân hàng xanh

Ngân hàng xanh được định nghĩa là các hoạt động ngân hàng nhằm giảm thiểu tác động tiêu cực đến môi trường. Điều này bao gồm việc cung cấp các khoản vay cho các dự án xanh, đầu tư vào công nghệ sạch và phát triển các sản phẩm tài chính thân thiện với môi trường. Agribank đã bắt đầu triển khai các sản phẩm tài chính xanh nhằm hỗ trợ các dự án nông nghiệp bền vững. Việc này không chỉ giúp cải thiện chất lượng môi trường mà còn tạo ra giá trị kinh tế cho ngân hàng và khách hàng. Theo một báo cáo, các ngân hàng áp dụng mô hình ngân hàng xanh có khả năng thu hút khách hàng mới và tăng cường lòng trung thành của khách hàng hiện tại.

II. Thực trạng ngân hàng xanh tại Agribank

Trong giai đoạn 2017-2019, Agribank đã có những bước tiến đáng kể trong việc triển khai ngân hàng xanh. Ngân hàng đã phát triển nhiều sản phẩm tín dụng xanh nhằm hỗ trợ các dự án bảo vệ môi trường và phát triển bền vững. Tuy nhiên, vẫn còn nhiều thách thức mà Agribank phải đối mặt, bao gồm việc nâng cao nhận thức của khách hàng về tài chính xanh và cải thiện quy trình nội bộ để thúc đẩy hoạt động ngân hàng xanh. Theo số liệu thống kê, tỷ lệ cho vay cho các dự án xanh tại Agribank vẫn còn thấp so với tổng dư nợ. Điều này cho thấy cần có những giải pháp mạnh mẽ hơn để khuyến khích ngân hàng bền vững phát triển.

2.1 Đánh giá hoạt động ngân hàng xanh

Đánh giá hoạt động ngân hàng xanh tại Agribank cho thấy ngân hàng đã có những nỗ lực đáng kể trong việc phát triển các sản phẩm và dịch vụ xanh. Tuy nhiên, sự phát triển này vẫn chưa đồng đều và còn nhiều hạn chế. Một trong những vấn đề lớn là thiếu các chính sách khuyến khích từ chính phủ và các cơ quan quản lý. Agribank cần phải tăng cường hợp tác với các tổ chức quốc tế và chính phủ để xây dựng một khung pháp lý thuận lợi cho ngân hàng xanh. Việc này không chỉ giúp Agribank phát triển mà còn góp phần vào sự phát triển bền vững của nền kinh tế Việt Nam.

III. Giải pháp phát triển ngân hàng xanh tại Agribank

Để phát triển ngân hàng xanh, Agribank cần thực hiện một số giải pháp cụ thể. Đầu tiên, ngân hàng cần nâng cao nhận thức của nhân viên và khách hàng về tầm quan trọng của tài chính xanh. Thứ hai, Agribank nên phát triển các sản phẩm tín dụng xanh đa dạng hơn để đáp ứng nhu cầu của thị trường. Cuối cùng, ngân hàng cần hợp tác chặt chẽ với các cơ quan nhà nước để xây dựng các chính sách hỗ trợ cho ngân hàng bền vững. Những giải pháp này không chỉ giúp Agribank phát triển mà còn góp phần vào việc bảo vệ môi trường và phát triển bền vững tại Việt Nam.

3.1 Khuyến khích phát triển tín dụng xanh

Khuyến khích phát triển tín dụng xanh là một trong những giải pháp quan trọng để thúc đẩy ngân hàng xanh tại Agribank. Ngân hàng cần xây dựng các chương trình khuyến mãi cho các dự án xanh, đồng thời cung cấp các khoản vay với lãi suất ưu đãi cho các doanh nghiệp và cá nhân tham gia vào các hoạt động bảo vệ môi trường. Việc này không chỉ giúp tăng cường hoạt động cho vay mà còn nâng cao hình ảnh của Agribank trong mắt khách hàng. Theo các chuyên gia, việc phát triển tín dụng xanh sẽ tạo ra cơ hội lớn cho Agribank trong việc mở rộng thị trường và thu hút khách hàng mới.

Trích đoạn nội dung tài liệu

STATE BANK OF VIETNAM BANKING ACADEMY FOREIGN LANGUAGE FACULTY ------------o0o----------- GRADUATION THESIS SOLUTIONS FOR DEVELOPING GREEN BANKING AT VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT Supervisor : Pham Thi Hoang Anh Student name : Nguyen Thi Anh Class : K19ATCC Student code : 19A7510027 Acadamic year : 2016-2020 Hanoi, June 2020 DECLARATION I hereby declare that the work in this thesis is based on research carried out at the Agribank. No part of this thesis has been submitted elsewhere as far as the author’s knowledge. All sources of information have been acknowledged references. My signature Anh Nguyen Thi Anh i ACKNOWLEDGEMENTS The graduation thesis "Solutions for developing green banking at Vietnam Bank for Agriculture and Rural Development" is the result of my continuous efforts and the enthusiastic assistance of teachers, family, and friends.

It is a chance for me to express my most sincere thanks to those who have given me great supports during the time of completing my graduation thesis. First of all, I would like to express my heartfelt gratitude to my supervisor, Pham Thi Hoang Anh (Assoc. She has shown me a valuable guideline, detailed feedback, and helpful suggestions. Thanks to her thoughtfulness and enthusiastic guidance, I found it easier to conduct my research.

Secondly, I appreciate the dedication of all the lectures at the Banking Academy, especially teachers of the Faculty of Foreign Languages. They have provided precious lessons during the past four years. The enthusiasm and helpfulness of teachers are an inspiration for me to study hard to complete the curriculum successfully. Finally, my deep thanks are directed to my family members and my friends.

They gave me encouragement and the pleasant conditions to pay attention on completing the thesis. ii TABLE OF CONTENTS CHAPTER 1. Background of the study. Significance of the study.

Scope and limitation of the study. Structure of the thesis.5 CHAPTER 2: REVIEW OF RELATED LITERATURE. Definition of Green Banking. Activities of Green Banking.

Green banking products & services. Determinants of green banking development. Roles of Green Banking. REAL STATUS OF “GREEN BANKING” AT VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT (AGRIBANK) IN THE PERIOD 2017-2019.

Overview of Vietnam Bank for Agriculture and Rural Development. Legal Framework governing Green banking in Vietnam. Real Status of implementing Green Banking at Vietnam Bank for Agriculture and Rural Development (Agribank). The status of developing Green products and services at Agribank to push up non-cash payment activity.

The status of green credit activity development in Agribank from 2017 to 2019…………. Assessment of green banking at Agribank between 2017 and 2019. Green banking activity development situation at some commercial banks in Vietnam. SOLUTIONS, POLICY RECOMMENDATIONS, AND CONCLUSIONS.

Solutions for developing “Green Banking” at Agribank. Solutions to facilitate green banking internal operations. Solutions to encourage green credit development. Recommendation for Government.

Recommendation for State Bank of Vietnam (SBV). Recommendation for Commercial Banks .70 iv LIST OF FIGURES Figure Title Page Figure 2.1 First phrase of implementing Green Banking 9 Figure 2.2 Second phrase of implementing Green Banking 10 Figure 2.3 Third phrase of implementing Green Banking 10 Figure 3.1 The market share of Agribank’s ATMs 28 Figure 3.2 The development of ATMs and POS of Agribank 29 Figure 3.3 The number of customers using E-banking 30 Figure 3.4 Total outstanding loans to the economy of Agribank 32 Figure 3.5 Structure of outstanding loans classified by sector (%) 33 Figure 3.6 The structure of total outstanding loans under credit term 34 Figure 3.7 Non-performing loan ratio at 4 State-Owned Commercial 36 Figure 3.8 The provision for credit losses in State-owned CBs 37 Figure 3.9 Green credit process 39 Figure 3.10 Outstanding loan of Agribank for waste water 41 management and water treatment from 2017 to 2019 v LIST OF TABLES Table Title Page Table 3.1 The development of card issuance in Agribank 26 Table 3.2 Actual situation of revenue from card services at Agribank 27 Table 3.3 Revenue from E-banking services of Agribank 31 Table 3.4 The situation of groups of loans over the period 35 Table 3.5 Green credit for Agricultural and rural areas 40 Table 3.6 Some projects that Agribank has financed capital 42 vi LIST OF ABBREVIATION ADB Asian Development Bank ATM Automated teller machine BIDV Bank for Investment and Development of Vietnam CDM Clean Development Mechanism EMV Europay, Mastercard, Visa EPFIs The Equator Principles Financial Institutions GDP Gross domestic product IFC International Finance Corporation NPL Non-performing ratio OECD Organization for Economic Co-operation and Development POS Points of Sale QR Quick Response SBV State Bank of Vietnam SMS Short Message Services UNEP FI United Nations Environment Program Finance Initiative VAMC Vietnam asset management company VND Vietnam dong WB World bank vii ABSTRACT The environment has been severely destroying in this period of globalization, and it's time to restructure the ecological environment. Many countries have therefore opted to develop a green economy, in which the "green banking" plays a significant part. "Green banking" is believed to be a future banking model, balancing the economic and environmental benefits and costs of all parties involved in banking activities.

As a special state-owned enterprise that occupies an important position in the banking system, Agribank has always played a pioneering and demonstrative role in guiding the credit institution system to follow Party and State policies. It is believed that Agribank can play a big role in the implementation of green banking in Vietnam. This graduation thesis will provide a brief explanation about “green bank” and examine Vietnam Bank for Agriculture and Rural Development. This paper also aims to present Agribank’s performance in green banking practices.

Further an attempt has been made to study certain strategies of adopting green banking. Introduction The polluted environment and climate change leading to Greenhouse Effect are one of the three most top concerned worldwide. Human beings are the main reason causing these issues. It is affecting dangerously our economy, our health, and our living standards.

Vietnam is a developing country after overcoming great consequences from wars and natural disasters. A populous country, lack of awareness, limited environmental education, and negligence on economic growth are damaging environment day by day. In fact, Vietnam is one of the most affected countries by climate change. Polluted environment can only be improved through joining hand of Government, individuals and institutions.

It is expected that Banks act as a real catalyst to support a greener environment. In particular, the banking sector plays a unique position in sustaining economic growth through financial support for economic and social development programs, as well as investment decisions. In reality, banks tend to concentrate too much on profitability goals that neglect or underestimate environmental concerns, so that they may indirectly damage the environment by investing in businesses or projects that pose environmental threats. Green banking has been implemented to balance environmental reasons for a society with banks' financial interests.

However, most Vietnamese commercial banks did not run through Green Banking due to the existence of great challenges. Playing an especially important role in the development of agriculture, rural areas, and farmers while serious agricultural pollution originates from the countryside, Agribank is expected to make an important contribution to bringing about positive changes in rural transformation and infrastructure development in the countryside. The promotion of green banking activities is an urgent need for the development trend of Agribank in the following years. This thesis aims to provide a clear overview of evolution, current practices, challenges wide-adoption and put forward solutions to improve green banking activities at Agribank.

Background of the study The environment is the basis of development while development causes the environmental changes. Vietnam falls into the group of most climate change countries in the world in comparison with other developing and developed countries. Global warming and climate change have badly affected every aspect of social life: agriculture, biodiversity, forestry, water resources, and human health. So, economic development with the proper exploitation and utilization of natural resources getting along with environmental protection has been becoming a deep concern of Vietnam and the international communities also.

The environmental industry calls for all sectors get involved. Following this right trend, in September 2020, Prime Minister Nguyen Xuan Phuc approved "National strategy for green growth in the period of 2011-2020 and vision to 2050". The strategy affirms: “Green growth is a way of sustainable economic development, which is to change the model and restructure the economy. The three main goals of green growth strategy are to reduce greenhouse gas emissions; to restructure the economy towards development in depth, to reduce resource use, to increase ecological and environmental services, technological innovation; to build green lifestyles and sustainable consumption”.

Based on these instructions, the banking sector needs to take real measures in effect to carry out environmentally friendly banking activities in Vietnam. The economy is enhancing, building a green banking system is really necessary. After the government approved the "National Strategy on Green Growth" for the 2012-2020 periods, Agribank is determined to take the lead in implementing the government's decision and become a pioneer bank in the development of green credit on the rural agricultural financial market. So far, 2020 is the final year of the implementation of the National Strategy on green growth, how was green bank practices be applied in Agribank? What achievements has Agribank gained by adopting green banking practices? What are the difficulties that Agribank faced? What solutions are needed to support green banking? All of these will be addressed in my graduation thesis.

Broad Objective The thesis aims at analyzing the real status of green banking at Vietnam Bank for Agriculture and Rural Development. Further an attempt has been made to figure out certain strategies for promoting the banking system in Vietnam to be greener. Specific Objective Together with broad objectives, some main specific objectives are also identified below: - To overview of green banking in some aspects such as: definition, roles, types of green banking activities. - To identify the determinants effects implementation of Green banking activities.

- To evaluate the current situation of green banking in Agribank, considering the achievements and limitations. - To propose some solutions for promoting green banking in Agribank. - Finally, to suggest policy recommendations for developing green banking activities in Vietnamese commercial banking system. Significance of the study Considering from an environmental perspective, Vietnam's current growth model is merely based on taking full advantage of natural resources.

The process of industrialization and urbanization will further deplete natural resources, increase CO2 emissions. Therefore, it is necessary to take effective measures to change the growth model in the increasingly serious climate change situation. The shift to a "green economy" background model is the optimal choice for sustainable development and poverty reduction in Vietnam. As a financial intermediary, a leading commercial bank in credit financing for green growth models, Agribank was selected as one of the four commercial banks to pilot the program "Green credit" from 2016 to 2020 and actualize the green 3 banking strategy in 2017.

Through research and reference, the researcher found that green banking activities are an urgent issue that commercial banks in Vietnam, in general, are also Agribank, in particular, must pay attention to safe and sustainable business. However, the current green banking activities in Vietnam are still fragmented, with many existing limitations. From this situation, the researcher chose "Solutions for developing green banking activities at Vietnam Bank for Agriculture and Rural Development" as her graduation thesis. The thesis concentrates on existing green banking activities at Agribank.

As a result, practical solutions to raise the awareness of the stakeholders and customers will act as a catalyst to Agribank’s better performance in green banking. Scope and limitation of the study To start this study, I came to figure out serious effects and significant reasons for global warming & climate change. The graduation thesis was concerned with the operations and performance of the banking sector in reducing environmental pollution.