Luận văn thạc sĩ UEH: Hoạt động thanh toán quốc tế tại Agribank Chợ Lớn

Luận văn thạc sĩ phân tích hoạt động thanh toán quốc tế tại Agribank, trường hợp nghiên cứu cho lợn, cung cấp cái nhìn sâu sắc về ngành.

• Tác giả: Phan Mạnh Hà
• Người hướng dẫn: PTS. Trần Huy Hoàng
• Trường học: Đại học Kinh tế Thành phố Hồ Chí Minh
• Chuyên ngành: Ngân hàng và Tài chính
• Đề tài: International Settlement Operation: A Case Study Of Agribank Cho Lon
• Loại tài liệu: Luận văn Thạc sĩ
• Năm xuất bản: 2010
• Địa điểm: Hồ Chí Minh

Mục lục chi tiết

• ACKNOWLEDGMENT
• 1. CHƯƠNG 1: INTERNATIONAL SETTLEMENT OPERATION OF COMMERCIAL BANKS IN CONTEXT OF INTERNATIONAL ECONOMIC INTEGRATION
• 1.1. Integration into the world economy in field of banking and finance
• 1.1.1. Common issues of integration into the world economy
• 1.2. Economic integration in field of banking and finance
• 1.3. The international settlement operation of commercial banks
• 1.3.1. Role and the objective necessity of developing and improving international settlement operation of commercial banks
• 1.3.1.1. For the economy
• 1.3.1.2. For the enterprises
• 1.3.1.3. For the state management
• 1.3.1.4. For commercial banks
• 1.3.2. Means of international settlement operation
• 1.3.2.1. Bill of exchange
• 1.3.2.2. Promissory Note Payment
• 1.3.2.3. Common methods of international settlement operation
• 1.3.3. Factors influencing international settlement operation of commercial banks
• 1.3.3.1. Globalization and economic integration
• 1.3.3.2. Development of information technology
• 1.3.3.3. Practices and standards of international settlement operation
• 1.3.3.4. Level of development and open of economy
• 1.3.3.5. Macro economic policies of government
• 1.3.3.6. Competition of other commercial banks
• 1.3.3.7. Policy of customer care and developing products, services of commercial banks
• 1.3.3.8. Policy of foreign affairs
• 1.3.3.9. Development level of banking technology
• 1.3.3.10. Structure of organization and management for international settlement operation
• 1.3.3.11. Knowledge, ability of dealers in international settlement operation
• 1.3.4. Other activities in relation with international settlement operation of commercial banks
• 1.3.5. Some standards to evaluate the performance in international settlement operation of commercial banks
• 1.3.5.1. Security and exactness
• 1.3.5.2. Quickness and Timeliness
• 1.3.5.3. Logic settlement process
• 1.3.5.4. Satisfaction of Customer
• 1.3.6. Some experience of developing and improving international settlement operation at other commercial banks in the world
• 1.3.6.1. Hongkong and Shanghai Banking Corporation
• 1.4. Conclusion of Chapter 1
• 2. CHƯƠNG 2: RESEARCH METHODOLOGY
• 2.1. Conclusion of Chapter 2
• 3. CHƯƠNG 3: CURRENT STATUS OF INTERNATIONAL SETTLEMENT OPERATION AT AGRIBANK CHO LON
• 3.1. Overview of organization and activities at Agribank Cho Lon
• 3.1.1. History of foundation and development
• 3.1.2. Review of some main business activities of Agribank Cho Lon
• 3.1.3. Foreign exchange trading and international settlement operation
• 3.2. Current status of international settlement operation at Agribank Cho Lon
• 3.2.1. Legal basis of international settlement operation at this branch
• 3.2.1.1. International legal documents
• 3.2.1.2. National legal documents
• 3.2.1.3. Agribank’s documents of internal regulations of international settlement operation
• 3.2.2. Current status of international settlement operation at Agribank Cho Lon
• 3.2.2.1. Customers of international settlement operation at this branch
• 3.2.2.2. Current status of some main methods of international settlement operation deployed at the branch
• 3.2.2.2.1. Letter of credit
• 3.3. General comments of international settlement operation at Agribank Cho Lon
• 3.4. Causes of shortcomings
• 3.5. Conclusion of Chapter 3
• 4. CHƯƠNG 4: SOLUTIONS FOR DEVELOPING AND IMPROVING INTERNATIONAL SETTLEMENT OPERATION AT AGRIBANK CHO LON
• 4.1. Some orientation of international settlement operation at Agribank Cho Lon
• 4.1.1. Some orientation of foreign economic development of Vietnam from 2006 to 2010
• 4.1.2. Main orientation of international settlement operation at Agribank Cho Lon
• 4.1.3. Some viewpoint of international settlement operation
• 4.2. Solutions for developing and improving international settlement operation at Agribank Cho Lon
• 4.2.1. Establishing customer policy and marketing policy suitable for diffusion of products and services of the branch
• 4.2.2. Modernization of banking technology
• 4.2.3. Proposing a policy of service diversification
• 4.2.4. Improving management model, procedure of international settlement operation
• 4.2.5. Well organizing foreign exchange trading, acting on initiative to have foreign currency source suitable for requirement of the international settlement operation at the branch
• 4.2.6. Solution for increasing quality of human resource
• 4.2.7. Increasing quality of control and internal audit
• 4.2.8. Constantly paying attention to establishment of business culture style at the branch
• 4.2.9. For the government, ministries, departments and industries concerned
• 4.2.10. For State bank
• 4.3. Conclusion of Chapter 4
• LIST OF REFERENCES

Tóm tắt

I. Tổng quan về luận văn thạc sĩ ueh international settlement operation

Luận văn thạc sĩ về hoạt động thanh toán quốc tế tại Agribank Cho Lon là một nghiên cứu quan trọng trong bối cảnh hội nhập kinh tế toàn cầu. Nghiên cứu này không chỉ giúp hiểu rõ hơn về hoạt động thanh toán quốc tế mà còn chỉ ra những thách thức mà Agribank đang phải đối mặt trong việc mở rộng thị trường và nâng cao hiệu quả hoạt động. Bài viết sẽ phân tích các yếu tố ảnh hưởng đến hoạt động này và đề xuất các giải pháp cải thiện.

1.1. Giới thiệu về Agribank và vai trò trong thanh toán quốc tế

Agribank là một trong những ngân hàng thương mại lớn nhất tại Việt Nam, đóng vai trò quan trọng trong hoạt động thanh toán quốc tế. Ngân hàng này đã phát triển nhiều dịch vụ thanh toán nhằm hỗ trợ doanh nghiệp trong việc giao dịch quốc tế, từ đó thúc đẩy hoạt động thương mại và đầu tư.

1.2. Mục tiêu nghiên cứu của luận văn

Mục tiêu của luận văn là đánh giá hiệu quả hoạt động thanh toán quốc tế tại Agribank Cho Lon, từ đó đề xuất các giải pháp nhằm cải thiện và phát triển hoạt động này. Nghiên cứu sẽ tập trung vào việc phân tích các yếu tố ảnh hưởng và thực trạng hiện tại của hoạt động thanh toán.

II. Thách thức trong hoạt động thanh toán quốc tế tại Agribank

Hoạt động thanh toán quốc tế tại Agribank Cho Lon đang phải đối mặt với nhiều thách thức lớn. Những thách thức này không chỉ đến từ môi trường kinh doanh mà còn từ các yếu tố nội tại của ngân hàng. Việc nhận diện và phân tích các thách thức này là rất cần thiết để tìm ra giải pháp hiệu quả.

2.1. Các rủi ro trong thanh toán quốc tế

Rủi ro trong hoạt động thanh toán quốc tế bao gồm rủi ro tỷ giá, rủi ro tín dụng và rủi ro pháp lý. Những rủi ro này có thể ảnh hưởng đến hiệu quả hoạt động và uy tín của ngân hàng trong mắt khách hàng.

2.2. Cạnh tranh từ các ngân hàng khác

Sự cạnh tranh ngày càng gia tăng từ các ngân hàng khác trong và ngoài nước đã tạo ra áp lực lớn cho Agribank. Ngân hàng cần phải cải thiện dịch vụ và nâng cao chất lượng để giữ chân khách hàng.

III. Phương pháp nghiên cứu và phân tích dữ liệu

Nghiên cứu này sử dụng phương pháp phân tích định tính và định lượng để đánh giá hiệu quả hoạt động thanh toán quốc tế tại Agribank. Việc thu thập dữ liệu từ các báo cáo tài chính và khảo sát khách hàng sẽ giúp đưa ra những nhận định chính xác hơn.

3.1. Phương pháp thu thập dữ liệu

Dữ liệu được thu thập từ các báo cáo tài chính hàng năm của Agribank và thông qua khảo sát ý kiến khách hàng về dịch vụ thanh toán quốc tế. Phương pháp này giúp đảm bảo tính chính xác và độ tin cậy của thông tin.

3.2. Phân tích dữ liệu

Dữ liệu thu thập được sẽ được phân tích bằng các công cụ thống kê để đánh giá hiệu quả hoạt động thanh toán quốc tế. Các chỉ số như tỷ lệ thanh toán thành công và thời gian xử lý giao dịch sẽ được xem xét.

IV. Kết quả nghiên cứu và ứng dụng thực tiễn

Kết quả nghiên cứu cho thấy hoạt động thanh toán quốc tế tại Agribank Cho Lon đã có những bước tiến đáng kể nhưng vẫn còn nhiều hạn chế. Việc áp dụng các giải pháp cải thiện sẽ giúp ngân hàng nâng cao hiệu quả hoạt động và đáp ứng tốt hơn nhu cầu của khách hàng.

4.1. Đánh giá hiệu quả hoạt động thanh toán

Hoạt động thanh toán quốc tế tại Agribank đã đạt được một số thành tựu nhất định, nhưng vẫn còn tồn tại nhiều vấn đề cần khắc phục. Việc đánh giá hiệu quả sẽ giúp ngân hàng nhận diện được các điểm mạnh và điểm yếu trong hoạt động của mình.

4.2. Ứng dụng các giải pháp cải thiện

Các giải pháp như nâng cao chất lượng dịch vụ, cải tiến quy trình thanh toán và đào tạo nhân viên sẽ được đề xuất nhằm cải thiện hoạt động thanh toán quốc tế tại Agribank.

V. Kết luận và triển vọng tương lai của hoạt động thanh toán quốc tế

Hoạt động thanh toán quốc tế tại Agribank Cho Lon có tiềm năng phát triển lớn trong bối cảnh hội nhập kinh tế toàn cầu. Tuy nhiên, để đạt được điều này, ngân hàng cần phải liên tục cải tiến và đổi mới để đáp ứng nhu cầu ngày càng cao của thị trường.

5.1. Tương lai của hoạt động thanh toán quốc tế

Với sự phát triển của công nghệ và xu hướng toàn cầu hóa, hoạt động thanh toán quốc tế tại Agribank sẽ có nhiều cơ hội để mở rộng và phát triển. Ngân hàng cần nắm bắt xu hướng này để không bị tụt lại phía sau.

5.2. Đề xuất hướng đi cho Agribank

Agribank cần xây dựng chiến lược phát triển bền vững cho hoạt động thanh toán quốc tế, bao gồm việc đầu tư vào công nghệ và nâng cao chất lượng dịch vụ để thu hút khách hàng.

Trích đoạn nội dung tài liệu

MINISTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMIC HOCHIMINH CITY ---- K --- PHAN MANH HA INTERNATIONAL SETTLEMENT OPERATION: A CASE STUDY OF AGRIBANK CHO LON In Banking and Finacial Ology code: 60.12 MASTER’S THESIS Supervisor : Dr.TRAN HUY HOANG Ho Chi Minh City – 2010 LUAN VAN CHAT LUONG download : add [e-mail] i Acknowledgment The process of this master thesis writing was a wonderful learning experience on my academic life which was filled with challenges and rewards. The completion of the present study leads a new beginning and a step forward towards my future. This preface provides a welcomed opportunity and chance to acknowledge the help and assistance of the people who with their intellectual insights or constructive criticism, other times in the form of friendship have helped me to develop this research. Specially, I would like to extend my appreciation to Mr.

Jerry and Mr.Gary for their valuable and enthusiastic support of English. First, I would like to express my sincere gratitude to supervisor, Associate Professor Ph. Tran Huy Hoang at the Faculty of Banking, for his valuable supervision, never-ending support and encouragement during this process. I am very thankful to him, that he has given me this pleasure to use his valuable comments, feedbacks and suggestions during the time that I have been working on this thesis and he has presented a new world for my further academic research.

Outside of academia, I would like to thank all my friends and colleagues for their fully support and finally, the great thanks are directed to my family; My father; that have taught me to get the priorities straight and to focus on the whole instead of getting lost in the details; My mother who has meant me the real meaning of patience and helped me by her advices to have this thesis finished on schedule and finally; my brothers and sisters for continues support along the way. Finally warm thanks go to University of Economic HoChiMinh City for having developed this post-graduate course in English the first time and sharing consideration during this period of hard work. Phan Manh Ha August 2010 HoChiMinh City, Vietnam LUAN VAN CHAT LUONG download : add [e-mail] ii Table of Contents Acknowledgment .i Table of contens .ii List of tables .vii List of diagrams .vii List of charts. Rationale of thesis.

The thesis’s research questions and research objectives:. Scope and limitation of thesis:. The thesis’s structure: .4 Chapter 1: International settlement operation of commercial banks in context of international economic integration .1 Integration into the world economy in field of banking and finance .1 Common issues of integration into the world economy.2 Economic integration in field of banking and finance .2 The international settlement operation of commercial banks. Role and the objective necessity of developing and improving international settlement operation of commercial banks.1 For the economy.2 For the enterprises.3 For the state management .4 For commercial banks.3 Means of international settlement operation .13 LUAN VAN CHAT LUONG download : add luanvanchat@agmail.1 Bill of exchange .2 Promissory Note Payment:.

Common methods of international settlement operation .3 Factors influencing international settlement operation of commercial banks 26 1.1 Globalization and economic integration.2 Development of information technology. Practices and standards of international settlement operation. Level of development and open of economy. Macro economic policies of government.

Competition of other commercial banks. Policy of customer care and developing products, services of commercial banks. Policy of foreign affairs. Development level of banking technology.

Structure of organization and management for international settlement operation. Knowledge, ability of dealers in international settlement operation31 1.6 Other activities in relation with international settlement operation of commercial banks .4 Some standards to evaluate the performance in international settlement operation of commercial banks. Security and exactness.32 LUAN VAN CHAT LUONG download : add luanvanchat@agmail. Quickness and Timeliness.

Logic settlement process. Satisfaction of Customer .5 Some experience of developing and improving international settlement operation of other commercial banks in the world. Hongkong and Shanghai Banking Corporation .36 Conclusion of Chapter 1 .37 Chapter 2: Research Methodology .44 Conclusion of Chapter 2 .47 Chapter 3: Current status of international settlement operation at Agribank Cho Lon .1 Overview of organization and activities at Agribank Cho Lon. History of foundation and development.

Review of some main business activities of Agribank Cho Lon. Foreign exchange trading and international settlement operation .2 Current status of international settlement operation at Agribank Cho Lon. Legal basis of international settlement operation at this branch. International legal documents.

National legal documents. Agribank’s documents of internal regulations of international settlement operation .56 LUAN VAN CHAT LUONG download : add luanvanchat@agmail. Current status of international settlement operation at Agribank Cho Lon. Customers of international settlement operation at this branch.

Current status of some main methods of international settlement operation deployed at the branch .65 Letter of credit .3 General comments of international settlement operation at Agribank Cho Lon .3 Causes of shortcomings.77 Conclusion of Chapter 3 .80 Chapter 4: Solutions for developing and improving international settlement operation at Agribank Cho Lon .1 Some orientation of international settlement operation at Agribank Cho Lon81 4. Some orientation of foreign economic development of Vietnam from 2006 to 2010. Main orientation of international settlement operation at Agribank Cho Lon.2 Some viewpoint of international settlement operation .3 Solutions for developing and improving international settlement operation at Agribank Cho Lon. Establishing customer policy and marketing policy suitable for diffusion of products and services of the branch.

Modernization of banking technology .86 LUAN VAN CHAT LUONG download : add luanvanchat@agmail. Proposing a policy of service diversification. Improving management model, procedure of international settlement operation. Well organizing foreign exchange trading, acting on initiative to have foreign currency source suitable for requirement of the international settlement operation at the branch.

Solution for increasing quality of human resource. Increasing quality of control and internal audit. Constantly paying attention to establishment of business culture style at the branch. For the government, ministries, departments and industries concerned 98 4.

For State bank.100 Conclusion of Chapter 4 .103 List of References .110 LUAN VAN CHAT LUONG download : add [e-mail] vii List of Tables 1. Exhibition of payment sales under method of remittance. Capital source of Agribank Cho Lon in recent years. Some items of outstanding debts at Agribank Cho Lon 2006-2009.

Some main items of foreign exchange trading and international settlement operation at Agribank Cho Lon. Sales of some main customers in international settlement operation at the branch in 2009. Sales of some main import export commodities at the branch. Payment sales under method of remittance.

Payment sales under method of collection. Payment sales under method of letter of credit. Some indicators of loans for import and export at the branch. Some key indicators for comparison.

Comparison of export payment and import payment at the branch .73 List of Diagrams 1. Process of remittance operation. Process of collection operation. Process of documentary credit .23 LUAN VAN CHAT LUONG download : add [e-mail] viii List of Charts 1.

Capital source of Agribank Cho Lon 2006-2009. Outstanding debts at Agribank Cho Lon 2006-2009. Main items of foreign exchange trading and international settlement operation at Agribank Cho Lon. Sales of some main customers in international settlement operation at the branch in 2009.

Customer’s assessment of international settlement operation. Sales of some main import export commodities at the branch. Payment sales under method of remittance. Payment sales under method of collection.

Payment sales under method of letter of credit. Some key indicators for comparison. Comparison of export payment and import payment at the branch .73 LUAN VAN CHAT LUONG download : add [e-mail] 1 INNTTRRO ODDU UCCT TIIO ONN 1. Rationale of thesis Vietnamese economy has widely integrated itself into the regional and world economy.

Along with other activities, foreign trade has constantly affirmed to an important role in Vietnam economic development. Commercial banks, by launching the international settlement operation have, according to the “Open Door Policy” on integration, become undeniably essential to the development of the economy of this country. In addition, to better promote their role and position in speeding up foreign trade activities, the system of commercial banks in Vietnam have continuously worked to develope and improve the international settlement operation. In these recent years, the efforts of the system of Vietnam commercial banks have fostered advantageous conditions for the international settlement operation to become increasingly enhanced day by day, fulfilling the basic requirement of open process and integration of economy.

However, international settlement operation must undergo legal systems and complicated overseas practices, if it was not to be fully understood, risks that include economic, politic and social losses would inevitably arise. Lessons learned from the past strongly suggest that the working of Vietnam commercial banks are not to be ignored. The international settlement operation of Agribank has now been deployed for 10 years, yet Agribank has been encountering countless difficulties and insufficiencies in the widening of its active market share. In the context of integration into the world economy alongside tough competition, commercial banks must incessantly develop and widen their trade activities.

Among those banks, the international settlement operation was utilized in order to broaden and improve to meet customer needs. Furthermore, the operation helped increase the bank’s income and enhance LUAN VAN CHAT LUONG download : add [e-mail] 2 the availability of competition. Now, however, all banks in Vietnam and Agribank Cho Lon in particular are facing a great deal of difficulty as they put forth their efforts to overcome this obstacle. Evaluating the efficiency of the international settlement operation at Agribank Cho Lon leads to the realization that improvements to this operation must be scientifically based.

From above mentioned practical issues, subject of this thesis “International Settlement Operation – A case study of Agribank Cho Lon” was taken into consideration for more in-depth research. This research evaluates the performance of international settlement operation at Agribank Cho Lon, and proposes possible solutions for the development and improvement of the operation. The Research Questions and Objectives: 2. Research questions A research question is the researcher’s translation of the business problem into the need for inquiry (Zikmund 1997, p.

Based on this definition of research problem leads to the following research questions: - How can we evaluate the current status of the international settlement operation at Cho Lon branch during the past few years? - What were the achievements and shortcomings of the international settlement operation at Cho Lon branch? - How can we develop and improve the international settlement operation at Cho Lon branch? 2. Research objectives The research objective is the researcher’s version of a business problem. Once the research questions have been stated, the research objectives are derived from the problem definition. These objectives explain the purpose of the research in measurable terms and define standards of what the research should accomplish LUAN VAN CHAT LUONG download : add luanvanchat@agmail.

To solve the research problem delineated, this study has the following objectives : - To make clear literature of international settlement operation - To point out factors influencing the international settlement operation as well as standards for evaluating the quality of the international settlement operation - To analyze actual efficiency of the international settlement operation applied at Agribank Cho Lon in period of time between 2006 and 2009 - To suggest solutions for developing and improving the international settlement operation. Scope and limitation of the thesis: The thesis mainly focuses on development and improvement of the international settlement operation at one bank, Agribank Cho Lon in period of time between 2006 and 2009. Research Methodology The exploratory research has been conducted for this research to clarify and define the nature of problem. In this research, survey and secondary data methods were applied in combination.