Nâng cao chất lượng tín dụng tại Ngân hàng TMCP Công Thương Việt Nam - Chi nhánh Thủ Đức

Nâng cao chất lượng tín dụng tại Ngân hàng Thương mại Cổ phần Công Thương Việt Nam - Chi nhánh Thủ Đức, khóa luận tốt nghiệp của Cu Ngọc Hải Yến.

• Tác giả: Cù Ngô Hải Yến
• Người hướng dẫn: PHD. Lê Đình Hạc
• Trường học: Ngân hàng TP.HCM
• Chuyên ngành: Tài chính và Ngân hàng
• Đề tài: Nâng cao chất lượng tín dụng tại Ngân hàng TMCP Công Thương Việt Nam - Chi nhánh Thủ Đức
• Loại tài liệu: luận văn tốt nghiệp
• Năm xuất bản: 2018
• Địa điểm: Hồ Chí Minh

Mục lục chi tiết

• COMMITMENT
• ACKNOWLEDGEMENT
• ABSTRACT
• 1. CHƯƠNG 1: THEORY OF CREDIT AND BANK CREDIT QUALITY
• 1.1. Overview of credit
• 1.1.1. Credit definition and credit characteristics
• 1.1.2. Roles of bank credit
• 1.1.3. Credit classification
• 1.1.3.1. Based on purpose
• 1.1.3.2. Based on the credit term
• 1.1.3.3. Based on the level of credibility for customers
• 1.1.3.4. Based on lending methods
• 2. CHƯƠNG 2: QUALITY OF CREDIT IN VIETNAM BANK FOR INDUSTRY AND TRADE - THU DUC BRANCH
• 2.1. An overview of VietinBank
• 2.1.1. Overview of VietinBank
• 2.1.2. Organizational chart of VietinBank
• 2.1.3. Mission of VietinBank
• 2.1.4. Achievements of VietinBank
• 2.1.5. General introduction of VietinBank Thu Duc
• 2.1.6. Functions of VietinBank Thu Duc
• 2.1.7. Organizational structure of VietinBank Thu Duc
• 2.1.8. Duty of the departments
• 2.1.9. Fields of activity of VietinBank Thu Duc
• 2.1.10. Business results of VietinBank Thu Duc
• 2.2. Current scenario of credit activities at VietinBank Thu Duc
• 2.2.1. Credit products at VietinBank Thu Duc
• 2.2.2. Credit performance at VietinBank Thu Duc
• 2.2.3. Valuation of credit quality at VietinBank Thu Duc
• 2.2.3.1. From customer perspective
• 2.2.3.2. From bank perspective
• 2.2.4. The cause of the limitations
• 2.2.4.1. Causes from banks
• 2.2.4.2. Causes from the customers
• 3. CHƯƠNG 3: SOLUTIONS TO IMPROVE CREDIT QUALITY AT VIETINBANK THU DUC
• 3.1. Business orientation of Vietinbank Thu Duc
• 3.2. Solutions to improve quality of credit in VietinBank Thu Duc
• 3.2.1. Simplify procedures of corporate loans
• 3.2.2. Improve the efficiency of coordination between departments
• 3.2.3. Diversify credit products
• 3.2.4. Apply advanced science and technology
• 3.2.5. Advance the marketing policy
• 3.3. Recommendation to the State
• 3.4. Recommendation to the State Bank
• 3.5. Recommendations to VietinBank
• LIST OF ABBREVIATIONS
• LIST OF TABLES
• LIST OF FIGURES

Tóm tắt

I. Tổng quan về nâng cao chất lượng tín dụng tại Ngân hàng TMCP Công Thương Việt Nam Chi nhánh Thủ Đức

Chất lượng tín dụng là yếu tố quan trọng quyết định sự phát triển bền vững của ngân hàng. Tại Ngân hàng TMCP Công Thương Việt Nam - Chi nhánh Thủ Đức, việc nâng cao chất lượng tín dụng không chỉ giúp tăng trưởng doanh thu mà còn giảm thiểu rủi ro tín dụng. Nghiên cứu này sẽ phân tích các yếu tố ảnh hưởng đến chất lượng tín dụng và đề xuất các giải pháp cải thiện.

1.1. Định nghĩa và vai trò của chất lượng tín dụng

Chất lượng tín dụng được định nghĩa là khả năng ngân hàng thu hồi vốn và lãi suất từ các khoản vay. Nó đóng vai trò quan trọng trong việc duy trì sự ổn định tài chính và tạo niềm tin cho khách hàng.

1.2. Các chỉ số đánh giá chất lượng tín dụng

Các chỉ số như tỷ lệ nợ xấu, tỷ lệ nợ quá hạn và tỷ lệ tăng trưởng dư nợ là những yếu tố quan trọng để đánh giá chất lượng tín dụng tại ngân hàng.

II. Vấn đề và thách thức trong nâng cao chất lượng tín dụng tại Chi nhánh Thủ Đức

Mặc dù có nhiều thành công, Chi nhánh Thủ Đức vẫn đối mặt với nhiều thách thức trong việc nâng cao chất lượng tín dụng. Các vấn đề như quy trình xét duyệt tín dụng phức tạp và thời gian xử lý giao dịch lâu là những yếu tố cần được cải thiện.

2.1. Quy trình xét duyệt tín dụng hiện tại

Quy trình xét duyệt tín dụng tại Chi nhánh Thủ Đức hiện nay còn nhiều bước phức tạp, dẫn đến thời gian xử lý lâu và làm giảm sự hài lòng của khách hàng.

2.2. Rủi ro tín dụng và ảnh hưởng đến hoạt động

Rủi ro tín dụng là một trong những yếu tố chính ảnh hưởng đến chất lượng tín dụng. Tỷ lệ nợ xấu cao có thể gây ra thiệt hại lớn cho ngân hàng và ảnh hưởng đến uy tín của ngân hàng.

III. Phương pháp cải thiện chất lượng tín dụng tại Ngân hàng TMCP Công Thương Việt Nam

Để nâng cao chất lượng tín dụng, Chi nhánh Thủ Đức cần áp dụng các phương pháp cải tiến quy trình và công nghệ. Việc đơn giản hóa quy trình xét duyệt và áp dụng công nghệ ngân hàng hiện đại sẽ giúp tăng cường hiệu quả hoạt động.

3.1. Đơn giản hóa quy trình xét duyệt tín dụng

Đơn giản hóa quy trình xét duyệt tín dụng sẽ giúp giảm thời gian xử lý và tăng cường sự hài lòng của khách hàng. Cần xem xét lại các bước không cần thiết trong quy trình.

3.2. Ứng dụng công nghệ ngân hàng hiện đại

Việc áp dụng công nghệ như hệ thống quản lý tín dụng tự động sẽ giúp ngân hàng nâng cao hiệu quả trong việc đánh giá và quản lý rủi ro tín dụng.

IV. Ứng dụng thực tiễn và kết quả nghiên cứu tại Chi nhánh Thủ Đức

Nghiên cứu đã chỉ ra rằng việc cải thiện chất lượng tín dụng không chỉ giúp tăng trưởng doanh thu mà còn giảm thiểu rủi ro. Các giải pháp đề xuất đã được thử nghiệm và cho thấy hiệu quả tích cực trong việc nâng cao chất lượng tín dụng.

4.1. Kết quả khảo sát từ khách hàng

Khảo sát cho thấy khách hàng đánh giá cao sự cải thiện trong quy trình xét duyệt và thời gian xử lý giao dịch, từ đó nâng cao sự hài lòng của khách hàng.

4.2. Tác động đến hoạt động kinh doanh của ngân hàng

Việc nâng cao chất lượng tín dụng đã giúp Chi nhánh Thủ Đức tăng trưởng doanh thu và giảm tỷ lệ nợ xấu, từ đó cải thiện hiệu quả hoạt động kinh doanh.

V. Kết luận và triển vọng tương lai cho chất lượng tín dụng tại Chi nhánh Thủ Đức

Nâng cao chất lượng tín dụng là một nhiệm vụ quan trọng và cần thiết cho sự phát triển bền vững của Ngân hàng TMCP Công Thương Việt Nam - Chi nhánh Thủ Đức. Các giải pháp đã được đề xuất sẽ giúp ngân hàng cải thiện hiệu quả hoạt động và tăng cường sự hài lòng của khách hàng.

5.1. Tương lai của chất lượng tín dụng tại ngân hàng

Trong tương lai, ngân hàng cần tiếp tục cải tiến quy trình và áp dụng công nghệ mới để nâng cao chất lượng tín dụng và đáp ứng nhu cầu ngày càng cao của khách hàng.

5.2. Khuyến nghị cho các bên liên quan

Cần có sự phối hợp chặt chẽ giữa ngân hàng, khách hàng và các cơ quan quản lý để đảm bảo chất lượng tín dụng được duy trì và phát triển bền vững.

Trích đoạn nội dung tài liệu

MINISTRY OF EDUCATION AND THE STATE BANK OF VIET TRAINING NAM BANKING UNIVERSITY OF HO CHI MINH CITY -------------------------------------- CU NGO HAI YEN IMPROVING CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE –THU DUC BRANCH GRADUATION THESIS MAJOR FINANCE AND BANKING ID: 7340201 HO CHI MINH CITY, 2018 MINISTRY OF EDUCATION AND THE STATE BANK OF VIET TRAINING NAM BANKING UNIVERSITY OF HO CHI MINH CITY -------------------------------------- CU NGO HAI YEN IMPROVING CREDIT QUALITY AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE –THU DUC BRANCH GRADUATION THESIS MAJOR FINANCE AND BANKING ID: 7340201 SUPERVISOR PHD LE DINH HAC HO CHI MINH CITY, 2018 ABSTRACT The graduation thesis with the topic "Improving credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch" presented the general theories on bank credit and raised the characteristics and roles credit quality, credit quality, and indicators to measure credit quality. From these basis, the author collects data related to the assessment criteria, comments on credit activities and quality of credit products of the Branch. Then, draw the results and limitations of credit quality at the Branch. According to the research results, VietinBank Thu Duc has a high growth rate of credit outstanding balance, overdue debt ratio and bad debt ratio are always at low levels.

In addition, according to the survey from customers, the problem that customers are not satisfied in the business is the cumbersome precedures, the transaction processing time is not fast, the time to solve loans are still slow, credit products are not very diversified, marketing policies are not focused. The above mentioned issues are formed partly from banks and partly from policy, economic situation and customers' activities. Based on the analytical reasons, the author proposed solutions to overcome, and made recommendations to the Government, State Bank of Viet Nam and Vietinbank. COMMITMENT This is the author's own research, the results in the reaserch are true, without prior publication of content or other content that is performed by others except for the references which are cited full source in the thesis.

Author CÙ NGÔ HẢI YẾN ACKNOWLEDGEMENT After four years studying at the Banking University of Ho Chi Minh City, I have gained a wealth of knowledge and experience from talented, dedicated and enthusiastic teachers, especially excellent care for students from the Faculty of Finance - Banking. Hereby, I would like to send my sincere thanks to all the teachers of Banking University in Ho Chi Minh City in general and the Faculty of Finance and Banking in particular,who have created a good environment for me. In particular, I would like to thank PhD. Le Dinh Hac for giving useful tips, knowledge to help me complete the graduation thesis.

During the course of the graduation thesis, this can not avoide restriction due to the shortcomings of experience and limited knowledge. I am looking forward to receive comments from the teachers, so I can complete the thesis with better quality and accumulate more knowledge and experience for later work. TABLE OF CONTENTS TABLE OF CONTENTS LIST OF ABBREVIATIONS LIST OF TABLES INTRODUCTION CHAPTER1: THEORY OF CREDIT AND BANK CREDIT QUALITY. Overview of credit.

Credit definition and credit characteristics. Roles of bank credit. Credit quality of commercial banks. Definition of credit quality of commercial banks.

Criteria for evaluating credit quality. Factors affecting the credit quality of commercial banks. Factors belong to the bank. Factors belong to the business, customers.23 CHAPTER 2: QUALITY OF CREDIT IN VIETNAM BANK FOR INDUSTRY AND TRADE - THU DUC BRANCH.

An overview of VietinBank. Overview of VietinBank. Organizational chart of VietinBank. Mission of VietinBank.

Achievements of VietinBank. General introduction of VietinBank Thu Duc. Functions of VietinBank Thu Duc. Organizational structure of VietinBank Thu Duc.

Duty of the departments. Fields of activity of VietinBank Thu Duc. Business results of VietinBank Thu Duc.3 Current scenario of credit activities at VietinBank Thu Duc.1 Credit products at VietinBank Thu Duc. Credit performance at VietinBank Thu Duc.

Valuation of credit quality at VietinBank Thu Duc. From customer perspective. From bank perspective. The cause of the limitations.

Causes from banks. Causes from the customers.62 CHAPTER 3: SOLUTIONS TO IMPROVE CREDIT QUALITY AT VIETINBANK THU DUC. Business orientation of Vietinbank Thu Duc. Solutions to improve quality of credit in VietinBank Thu Duc.

Simplify procedures of corporate loans. Improve the efficiency of coordination between departments. Diversify credit products. Apply advanced science and technology.

Advance the marketing policy.1 Recommendation to the State.2 Recommendation to the State Bank.3 Recommendations to VietinBank.74 LIST OF ABBREVIATIONS Abbreviations Meaning Agribank Vietnam Bank for Agriculture and Rural Development ASEAN Association of South East Asia Nations ATM Automatic Teller Machine Joint Stock Commercial Bank for Investment and BIDV Development of Vietnam FDI Foreign Direct Investment GDP Gross domestic product ISO International Organization for Standardization L/C Letter of credit SBV State Bank of Vietnam SME Small and Medium sized enterprises Society for Worldwide Interbank Financial SWIFT Telecommunication UPAS L/C Unsance payale at sight Letter of credit VAMC Vietnam Asset Management Company VBI Vietinbank Insurance Company Vietcombank Joint Stock Commercial Bank for Foreign Trade of Vietnam VietinBank Vietnam Joint Stock Commercial Bank for Industry and Trade VietinBank Vietnam Joint Stock Commercial Bank for Industry and Trade Thu Duc - Thu Duc Branch VND Dongs – Viet Nam Dong LIST OF TABLES Table 2.1 Results of some key indicators of business activities.2 Short-term loan products at VietinBank Thu Duc.3 Medium-term and long-term loans at VietinBank Thu Duc.4 Specialized loan products at VietinBank Thu Duc. Consumer products for individual customers. Credit products for individual customers to borrow for.7 Loan structured by type of currency from 2015 to 2017.8 Credit outstanding balance structured by types of customer.9 Credit outstanding balance structured by credit term. Credit outstanding balance structured by economic sector in VietinBank Thu Duc from 2015-2017.

The number of customer using credit product in VietinBank Thu Duc from 2015-2017.12 Overdue debt scenario at VietinBank Thu Duc from 2015-2017. Bad debt scenario from 2015-2017.14 Income from credit activities at VietinBank Thu Duc.15 Results of customer survey on credit quality at VietinBank Thu Duc.54 LIST OF FIGURES Figure 1. Theoretical model of customer satisfaction evaluation SERVQUAL (Parasuraman, 1988). Organizational chart of VietinBank.

Organizational chart of VietinBank Thu Duc. Credit outstanding balance structured by loan term from 2015 to 2017 46 Figure 2. Credit outstanding balance structured by economic sector in VietinBank Thu Duc from 2015-2017. Overdue debt scenario from 2015 to 2017.

Bad debt scenario at VietinBank Thu Duc from 2015 to 2017. Income from credit activities at VietinBank Thu Duc. Necessity of the thesis Over the past few years, the banking system has contributed significantly to the national economy. According to preliminary statistics, in 2017, the entire banking sector provides about 6.6 trillion VND of credit, helping to boost our business and production activities, making an important contribution to growth gross domestic product (GDP) 6.

Under the banking ordinance in 1990, Vietnam's banking system consists of two levels: the Central Bank and the Commercial Bank, which meet the needs of all sectors of the economy. Thanks to the credit activities banks can play their important role. Credit activity is the movement of capital from the source of excess capital to the place of shortage of capital, which is also the most important and fundamental activity in banking activities, bringing the main profit to banks. However, credit activities are also risky, potentially placing the bank into a state of insolvency.

In the context of a large number of active banks and foreign banks entering Vietnam, this has created an increasingly competitive environment. Banks are trying to improve their competitiveness to survive and develop as well as to improve business efficiency. To achieve that goal, the mission is to improve credit quality. Therefore, improving credit quality is always an urgent issue for banks in Vietnam.

Recognizing the importance of this issue as well as in combination with the author’s intership at Vietnam Joint Stock Commercial Bank for Industry and Trade - Vietin Bank Thu Duc Branch, the author selected the topic "Improving Credit Quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch " 2. Purpose of the study  General purpose: To propose a recommendation to improve credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch  Specific purpose:  Research on credit current scenario  Evaluating the quality of credit at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch 3. Object and scope of the study  Object: Credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade Thu Duc Branch  Scope of researching:  Space: Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch  Time: The thesis using secondary data mainly from 2015 to 2017 4. Research methodology  Method of data collection: Collect data through Statistical Report on Loan Status, Business Performance Report, Annual Report 2015, 2016, 2017 and related documents which relate to credit activities in the system of VietinBank Thu Duc branch.

 Method of comparison and analysis of data based on the reports and documents mentioned above.  Observation and questioning methods: observing credit officers working and asking questions related to the research.  Survey method to get customers’s comments. Structure of the thesis This thesis includes three chapters: Chapter 1: Theory of credit and bank credit quality In this chapter, the author outlines the concept of credit and bank credit, the characteristics and role of credit, the definition of credit quality, indicators of credit quality and the factors that influence it.

Chapter 2: Current scenario of credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch Chapter 2 outlines the process of formation, development, organizational structure, operational network as well as the actual development of credit activities at Vietnam Joint Stock Commercial Bank for Trade and Industry - Thu Duc Branch. Based on these facts, the author points out the achievements as well as the remaining limitations in credit activities at VietinBank Joint Stock Commercial Bank for Industry and Trade (Thu Duc Branch). Chapter 3: Solutions to improve credit quality at Vietnam Joint Stock Commercial Bank for Industry and Trade - Thu Duc Branch Chapter 3 presents the development orientation of VietinBank Thu Duc. From the limitations in Chapter 2, the author finds solutions to improve credit quality, as well as recommendations to the Government, State Bank of Viet Nam and Vietinbank 1 CHAPTER1: THEORY OF CREDIT AND BANK CREDIT QUALITY CHAPTER 1 INTRODUCTION In Chapter 1, the author presents the definition of credit , bank credit, the characteristics and important role of credit.

Besides, Chaper 1 also includes the definition of credit quality and points out indicators that affect the credit quality. Overview of credit 1. Credit definition and credit characteristics  The definition of credit According to the Vietnamese encyclopedia, "Credit is an activity that the lender provides financial sources to the borrower in which the borrower repays the financial loans within a negotiable period and usually accompanied by interest. Credit reflects the relationship between two parties - one side is the lender, and the other is the borrower.

The relationship between the two parties is constrained by credit mechanisms, credit terms, interest rates, etc. " There are many definitions of credit, but in general, according to Clause 20, Article 4 of the Law on Credit Institutions, 2010, "Credit is a borrowing relationship based on trust between the borrowing party and the lending party. Accordingly, the lender transfers a quantity of currency (or assets) to the borrower for a definite term. On maturity, the borrower is obliged to repay the initial capital (assets) and interest".

 The definition of bank credit According to the Institute of Manpower, Banking & Finace (btc.vn): "Banking credit is an asset transaction between a bank (a credit institution) and a borrower (which is an economic organization or individual in the economy).