Phát Triển Cho Vay Tiêu Dùng Tại Ngân Hàng Thương Mại Cổ Phần BIDV - Chi Nhánh Biên Hòa

Phát triển cho vay tiêu dùng tại ngân hàng thương mại cổ phần đầu tư và phát triển Việt Nam chi nhánh Biên Hòa. Tìm hiểu xu hướng và tiềm năng.

• Tác giả: Nguyen Tran Thao Uyen
• Người hướng dẫn: Associate Prf. Hoang Thi Thanh Hang
• Trường học: Ho Chi Minh University of Banking
• Chuyên ngành: Finance and Banking
• Đề tài: Development of Consumer Loan at Joint Stock Commercial Bank for Investment and Development of Viet Nam – Bien Hoa Branch
• Loại tài liệu: Graduation Thesis
• Năm xuất bản: 2022
• Địa điểm: Ho Chi Minh City

Mục lục chi tiết

• ABSTRACT
• ACKNOWLEDGMENT
• COMMITMENT
• TABLE OF CONTENT
• 1. CHƯƠNG 1: THE THEORY OF DEVELOPING CONSUMER LOAN AT COMMERCIAL BANKS
• 1.1. Consumer loan activities of commercial banks
• 1.2. The concept of consumer loan
• 1.3. Characteristics of consumer loan
• 1.4. Classification of consumer loan
• 1.4.1. Based on the loan purpose
• 1.4.2. Based on the form of loan security
• 1.4.3. Based on the repayment method
• 1.4.4. Based on the form of loan
• 1.5. Developing consumer loan activities of commercial banks
• 1.6. The concept of development consumer loan activities of commercial banks
• 1.7. Criteria for evaluating the development of consumer loan activities of commercial banks
• 1.7.1. Market share growth of consumer loan activities at commercial banks
• 1.7.2. Loan outstanding balance at commercial banks
• 1.7.3. Non-performing consumer loan at commercial banks
• 1.7.4. The profit of consumer loan at commercial banks
• 1.8. The experiences in development consumer loan activities of commercial banks and the lessons for BIDV- Bien Hoa branch
• 1.8.1. Vietnam Bank for Agriculture and Rural Development (Agribank)
• 1.8.2. Vietnam Prosperity Joint Stock Commercial Bank (VPBank)
• 1.8.3. The lessons for BIDV- Bien Hoa branch
• 1.9. SUMMARY OF THE CHAPTER 1
• 2. CHƯƠNG 2: THE SITUATION OF DEVELOPING CONSUMER LOAN ACTIVITIES AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM - BIEN HOA BRANCH
• 2.1. Overview of Joint Stock Commercial Bank for Investment and Development of Vietnam
• 2.2. History of the establishment and development of the Joint Stock Commercial Bank for Investment and Development of Vietnam
• 2.3. Functions and tasks of Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.4. Performance of Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.5. The situation of developing consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.5.1. Market share growth of consumer loan activities at BIDV - Bien Hoa branch
• 2.5.2. Loan outstanding balance growth at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.5.3. Non-performing consumer loans at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.5.4. The profit of loan at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.6. Evaluating the results of the situation of consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.7. The limitations and the cause in consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 2.8. SUMMARY OF THE CHAPTER 2
• 3. CHƯƠNG 3: SOLUTIONS TO DEVELOP CONSUMER LOAN ACTIVITIES AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM
• 3.1. The orientation at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 3.2. The general orientation at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 3.3. The general orientation in developing consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa Branch
• 3.4. Some solutions to develop consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 3.4.1. Promoting and advertising the consumer loan segment for BIDV - Bien Hoa branch
• 3.4.2. Improving the process and the quality of consumer loan services
• 3.4.3. Regarding the issue of receiving collateral and valuing the secured assets
• 3.4.4. Diversifing consumer loan products and link with strategic partners
• 3.4.5. Strengthening the control of consumer loan risks
• 3.4.6. Strengthening inspection and supervision of customers' use of loans and sources of debt repayment
• 3.4.7. Improving the quality of human resources
• 3.5. Recommendation for Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch
• 3.6. SUMMARY OF THE CHAPTER 3
• LIST OF ABBREVIATIONS
• LIST OF DIAGRAMS, TABLES AND FIGURES

Tóm tắt

I. Tổng Quan Về Phát Triển Cho Vay Tiêu Dùng Tại BIDV Chi Nhánh Biên Hòa

Ngân hàng Thương mại Cổ phần Đầu tư và Phát triển Việt Nam (BIDV) - Chi nhánh Biên Hòa đã có những bước tiến đáng kể trong việc phát triển dịch vụ cho vay tiêu dùng. Với sự gia tăng nhu cầu tiêu dùng của người dân, BIDV đã nỗ lực cải thiện quy trình cho vay và mở rộng các sản phẩm dịch vụ. Điều này không chỉ giúp ngân hàng tăng trưởng mà còn góp phần nâng cao chất lượng cuộc sống của khách hàng.

1.1. Định Nghĩa Và Tầm Quan Trọng Của Cho Vay Tiêu Dùng

Cho vay tiêu dùng là hình thức cho vay nhằm đáp ứng nhu cầu tiêu dùng cá nhân của khách hàng. Tầm quan trọng của nó không chỉ nằm ở việc cung cấp tài chính mà còn trong việc thúc đẩy tiêu dùng và phát triển kinh tế.

1.2. Lịch Sử Phát Triển Của BIDV Tại Biên Hòa

BIDV - Chi nhánh Biên Hòa đã được thành lập từ nhiều năm trước và đã trải qua nhiều giai đoạn phát triển. Ngân hàng đã không ngừng mở rộng dịch vụ vay tiêu dùng để đáp ứng nhu cầu ngày càng cao của khách hàng.

II. Những Thách Thức Trong Phát Triển Cho Vay Tiêu Dùng Tại BIDV

Mặc dù có nhiều thành công, BIDV - Chi nhánh Biên Hòa vẫn phải đối mặt với nhiều thách thức trong việc phát triển cho vay tiêu dùng. Các vấn đề như tỷ lệ nợ xấu cao, quy trình cho vay chưa tối ưu và sự cạnh tranh từ các ngân hàng khác đang gây khó khăn cho ngân hàng.

2.1. Tỷ Lệ Nợ Xấu Và Ảnh Hưởng Đến Hoạt Động Cho Vay

Tỷ lệ nợ xấu cao có thể ảnh hưởng nghiêm trọng đến khả năng cho vay của ngân hàng. Điều này không chỉ làm giảm lợi nhuận mà còn ảnh hưởng đến uy tín của ngân hàng trong mắt khách hàng.

2.2. Quy Trình Cho Vay Chưa Tối Ưu

Quy trình cho vay tại BIDV vẫn còn nhiều điểm cần cải thiện. Việc rút ngắn thời gian xét duyệt và đơn giản hóa thủ tục sẽ giúp thu hút nhiều khách hàng hơn.

III. Phương Pháp Phát Triển Cho Vay Tiêu Dùng Tại BIDV Chi Nhánh Biên Hòa

Để phát triển cho vay tiêu dùng, BIDV cần áp dụng một số phương pháp hiệu quả. Việc cải tiến quy trình cho vay, đa dạng hóa sản phẩm và tăng cường quảng bá sẽ là những bước đi quan trọng.

3.1. Cải Tiến Quy Trình Cho Vay

Cải tiến quy trình cho vay sẽ giúp giảm thời gian chờ đợi của khách hàng. Điều này có thể thực hiện thông qua việc áp dụng công nghệ thông tin và tự động hóa một số bước trong quy trình.

3.2. Đa Dạng Hóa Sản Phẩm Cho Vay

BIDV cần phát triển thêm nhiều sản phẩm vay tiêu dùng khác nhau để đáp ứng nhu cầu đa dạng của khách hàng. Việc này không chỉ thu hút khách hàng mới mà còn giữ chân khách hàng cũ.

IV. Ứng Dụng Thực Tiễn Và Kết Quả Nghiên Cứu Tại BIDV

Kết quả nghiên cứu cho thấy rằng việc phát triển cho vay tiêu dùng tại BIDV - Chi nhánh Biên Hòa đã mang lại nhiều lợi ích. Số lượng khách hàng và số dư cho vay đã tăng lên đáng kể trong những năm qua.

4.1. Tăng Trưởng Số Lượng Khách Hàng

Sự gia tăng số lượng khách hàng sử dụng dịch vụ vay tiêu dùng tại BIDV cho thấy nhu cầu thị trường đang tăng cao. Điều này là tín hiệu tích cực cho sự phát triển của ngân hàng.

4.2. Kết Quả Tài Chính Tích Cực

Kết quả tài chính từ hoạt động cho vay tiêu dùng đã có sự cải thiện rõ rệt. Ngân hàng cần tiếp tục duy trì đà phát triển này để đảm bảo sự ổn định và bền vững.

V. Kết Luận Và Tương Lai Của Cho Vay Tiêu Dùng Tại BIDV

Tương lai của cho vay tiêu dùng tại BIDV - Chi nhánh Biên Hòa hứa hẹn sẽ tiếp tục phát triển mạnh mẽ. Ngân hàng cần chú trọng đến việc cải thiện dịch vụ và đáp ứng nhu cầu của khách hàng để duy trì vị thế cạnh tranh.

5.1. Định Hướng Phát Triển Trong Tương Lai

BIDV cần xác định rõ định hướng phát triển cho vay tiêu dùng trong tương lai, bao gồm việc mở rộng thị trường và cải thiện chất lượng dịch vụ.

5.2. Các Giải Pháp Để Đạt Được Mục Tiêu

Để đạt được mục tiêu phát triển, BIDV cần triển khai các giải pháp cụ thể như tăng cường đào tạo nhân viên và cải tiến công nghệ thông tin.

Trích đoạn nội dung tài liệu

STATE BANK OF VIETNAM MINISTRY OF EDUCATION & TRAINING HO CHI MINH UNIVERSITY OF BANKING HO CHI MINH UNIVERSITY OF BANKING NGUYEN TRAN THAO UYEN DEVELOPMENT OF CONSUMER LOAN AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIET NAM – BIEN HOA BRANCH GRADUATION THESIS THE MAJOR: FINANCE AND BANKING CODE: 7 34 02 01 HO CHI MINH CITY, 2022 ii STATE BANK OF VIETNAM MINISTRY OF EDUCATION &TRAINING HO CHI MINH UNIVERSITY OF BANKING STUDENT: NGUYEN TRAN THAO UYEN STUDENT ID: 050607190627 CLASS: HQ7-GE18 DEVELOPMENT OF CONSUMER LOAN AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIET NAM – BIEN HOA BRANCH GRADUATION THESIS THE MAJOR: FINANCE AND BANKING CODE: 7 34 02 01 SUPERVISOR Associate Prf. HOANG THI THANH HANG HO CHI MINH CITY, 2022 iii ABSTRACT Vietnam entered the middle income stage. The consumption activities of society are increasing and the demand for consumer loans also increases. Consumer loan activities are growing strongly in recent years.

Although on the progress of development, but on the bank's side, there are still some shortcomings affecting the development of consumer loan. Therefore, it is necessary to have solutions to develop consumer loans to ensure stable and sustainable growth. The research objective is to analyze the current situation of consumer loan activities at BIDV- Bien Hoa branch. From there, propose solutions to develop consumer loan activities at BIDV- Bien Hoa branch.

To achieve the set research objectives, the study mainly uses qualitative research methods. Research results: the study has systematized the factors affecting the development of consumer loan such as: environmental factors such as economic, social, cultural, system policies and economic programs of the state. Factors from customers include: legal capacity, credibility, collateral and financial ability of the customer. Subjective factors affecting the development of consumer loans include: Professional ethics of staff, techniques, procedures and process of application appraisal.

Consumer loan has seen growth in the number of customers, loan outstanding balance and control of the bad debt ratio. Conclusion and implication: Some shortcomings in the development of consumer loans at BIDV Bien Hoa branch such as: unstable growth, undiversified products, low balance of outstanding loans, bad debt ratio high in the bad debt structure of the bank. The author also proposes some solutions to develop consumer loans at BIDV- Bien Hoa branch in the coming time. Keywords: consumer loan, commercial bank, BIDV.

iv ACKNOWLEDGMENT First of all, I would like to express my deepest gratitude to the teachers of Banking University. Especially, I would like to thank my supervisor Associate Prf. Hoang Thi Thanh Hang, who directly guided and imparted knowledge to me and helped me a lot during the process of writing this thesis. Besides, to be able to complete this thesis, it is impossible not to mention the great support from the bank, Mr., individual customers at BIDV- Bien Hoa branch has created favorable conditions, provided data to help me more convenient in survey and evaluation.

I would also like to express my sincere thanks to my family and friends who have encouraged and supported me throughout the process of studying and writing this thesis. Perhaps knowledge is infinite, but each person's acquisition of knowledge always has certain limitations, so in the thesis it is inevitable that limitations and shortcomings can be avoided. Sincerely hope to receive your sincere suggestions for the thesis to achieve the best results. Finally, I would like to wish the teachers of the Faculty of Finance and Banking, Banking University of Ho Chi Minh City have health, happiness, success on her teaching path.

Wishing the leadership, brothers/sisters, customers at BIDV- Bien Hoa Branch, more success in their work. We wish you more prosperity in the future. Sincerely, v COMMITMENT I hereby declare that this is the research work: "Development of consumer Loan at Joint Stock Commercial Bank for Investment and Development of Viet Nam - Bien Hoa branch". This is a post made by me under the guidance of Associate Prf.

Hoang Thi Thanh Hang. The content and research of this topic is honest and has not been published in any way. In this report, there are references to some documents of clear origin under the guidance of teachers of Faculty of Finance – Banking at Banking University. The data in the tables of analysis, comments and reviews have been collected by the author himself from various sources and are clearly shown in the reference list.

Student’s Signature Nguyen Tran Thao Uyen vi TABLE OF CONTENT ABSTRACT. v LIST OF ABBREVIATIONS. x LIST OF DIAGRAMS, TABLES AND FIGURES. The Scope of research.

xii CHAPTER 1: THE THEORY OF DEVELOPING CONSUMER LOAN AT COMMERCIAL BANKS. Consumer loan activities of commercial banks. The concept of consumer loan. Characteristics of consumer loan.

Classification of consumer loan. Based on the loan purpose. Based on the form of loan security. Based on the repayment method.

Based on the form of loan. Developing consumer loan activities of commercial banks. The concept of development consumer loan activities of commercial banks. Criteria for evaluating the development of consumer loan activities of commercial banks.

Market share growth of consumer loan activities at commercial banks ……………………………………………………………………. Loan outstanding balance at commercial banks. Non-performing consumer loan at commercial banks. The profit of consumer loan at commercial banks.

The experiences in development consumer loan activities of commercial banks and the lessons for BIDV- Bien Hoa branch. Vietnam Bank for Agriculture and Rural Development (Agribank). Vietnam Prosperity Joint Stock Commercial Bank (VPBank) 13 1. The lessons for BIDV- Bien Hoa branch.

14 SUMMARY OF THE CHAPTER 1. 16 CHAPTER 2: THE SITUATION OF DEVELOPING CONSUMER LOAN ACTIVITIES AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM - BIEN HOA BRANCH. Overview of Joint Stock Commercial Bank for Investment and Development of Vietnam. History of the establishment and development of the Joint Stock Commercial Bank for Investment and Development of Vietnam.

Functions and tasks of Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. Functions and tasks of Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. Performance of Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. The situation of developing consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch.

Market share growth of consumer loan activities at BIDV - Bien Hoa branch. Loan outstanding balance growth at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. Non-performing consumer loans at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. The profit of loan at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch.

Evaluating the results of the situation of consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. The limitations and the cause in consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. 43 SUMMARY OF THE CHAPTER 2. 47 CHAPTER 3: SOLUTIONS TO DEVELOP CONSUMER LOAN ACTIVITIES AT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND ix DEVELOPMENT OF VIETNAM.

The orientation at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. The general orientation at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch. The general orientation in developing consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa Branch. Some solutions to develop consumer loan activities at Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch.

Promoting and advertising the consumer loan segment for BIDV - Bien Hoa branch. Improving the process and the quality of consumer loan services. Regarding the issue of receiving collateral and valuing the secured assets ……………………………………………………………………. Diversifing consumer loan products and link with strategic partners …………………………………………………………………….

Strengthening the control of consumer loan risks. Strengthening inspection and supervision of customers' use of loans and sources of debt repayment. Improving the quality of human resources. Recommendation for Joint Stock Commercial Bank for Investment and Development of Vietnam – Bien Hoa branch.

57 SUMMARY OF THE CHAPTER 3. 61 x LIST OF ABBREVIATIONS Joint Stock Commercial Bank for Investment and Development BIDV of Vietnam VP BANK Vietnam prosperity joint stock commercial bank VND Vietnamdong ATM Automatic teller machine AGRIBANK Vietnam Bank for Agriculture and Rural Development xi LIST OF DIAGRAMS, TABLES AND FIGURES DIAGRAMS Diagram 1.1: Direct loan structure.2: Indirect consumer loan structure.1: BIDV - Bien Hoa branch’s Organizational structure.1: Business results of BIDV – Bien Hoa branch from 2017 to 2021.2: The result of consumer loan at BIDV - Bien Hoa branch 2017-2021.3: The result of consumer loan activities at BIDV - Bien Hoa branch 2017- 2021 according to purposing of using capital.1: Outstanding loan balance growth ratio at BIDV-Bien Hoa branch 2017- 2021.1: Outstanding loan balance growth ratio at BIDV-Bien Hoa branch.3: Outstanding loan balance structure of retail customers at BIDV - Bien Hoa branch.4: Non-performing loan at BIDV - Bien Hoa branch 2017-2021.5: Non-performing loan ratio at BIDV - Bien Hoa branch 2017-2021.6: Business operating expense structure at BIDV - Bien Hoa branch 2017- 2021.7: Business operating profit at BIDV - Bien Hoa branch 2017-2021.8: Business operating profit at BIDV - Bien Hoa branch 2017 – 2021.9: Business operating profit growth at BIDV - Bien Hoa branch 2017-2021.10: Market share growth of consumer loan activities at BIDV - Bien Hoa branch.11: Customer growth of consumer loan according to purposing of using capital.12: Outstanding consumer loan balance growth at BIDV - Bien Hoa branch 2017-2021.13: outstanding loan balance growth of consumer loan according to purposing of using capital.14: Non-performing loan structure according to purposing of using.15: Profit's growth at BIDV - Bien Hoa branch 2017-2021.16: Profit's growth according to purposing of capital loan at BIDV - Bien Hoa branch 2017-2021. Rationale In integration, people’s living standards are also increasingly improved. In addition to basic needs such as food, clothing and accommodation, the needs for material and spiritual life are also being raised more and more such as a more beautiful and comfortable home, better means of transports, travel more, etc.

Therefore, people’s demand for borrowing money for consumption also grow rapidly. This has created better opportunities for commercial banks in consumer loan. Consumer loan plays a vital role in improving the quality of life and the level of financial access for people, contributing to the stability and development of the country’s economy. Vietnam is considered as a potential market of consumer finance with ideal conditions such as the development stage of economy, the scale of population is large with a high proportion of working.

Tendency to expand domestic consumption and increase income levels of population which are favorable conditions to boost Vietnamese consumer loan market will continue to develop effectively in the future. Grasping the demand and also joining the same trend, over the years, the unit has continuously promoted outstanding loan, consumer use gradually improving the loan process as well as ensuring credit safety. However, the loan policies, regulations and processes are still inadequate and have not been changed in time to meet the needs of customers. Thereby, the credit growth of the unit in recent years is not really good.

Therefore, for these reasons, it is very practical to research and come up with solution to overcome the restrictions in order to promote the growth of consumer credit at the unit in a scientific manner. With that desire, I chose the topic “Development of consumer loan at Joint Stock Commercial Bank for Investment and Development Vietnam – Bien Hoa branch” to conduct my research for the thesis.