Tín Dụng Cá Nhân Tại Ngân Hàng Thương Mại Cổ Phần Global Petro (GPBank)

Khám phá dịch vụ tín dụng cá nhân tại Ngân hàng Thương mại TNHH GPBank, đáp ứng nhu cầu tài chính đa dạng cho khách hàng toàn cầu.

• Tác giả: Nguyen Thanh Tung
• Người hướng dẫn: Dr. Diem Thi Thanh Hai
• Trường học: VNU - International School
• Chuyên ngành: Financial Management
• Đề tài: Tín Dụng Cá Nhân Tại Ngân Hàng Thương Mại GPBank
• Loại tài liệu: Graduate Project
• Năm xuất bản: 2020
• Địa điểm: Hanoi

Mục lục chi tiết

• ACKNOWLEDGEMENT
• TABLE OF CONTENTS
• LIST OF TABLES
• LIST OF FIGURES
• LIST OF ABBREVIATION
• INTRODUCTION
• 1. CHAPTER 1: OVERVIEW OF BANK CREDIT AND BANK CREDIT QUALITY
• 1.1. Definition of bank credit
• 1.2. Definition of personal credit in Banking
• 1.3. Characteristics of bank credit
• 1.4. Characteristics of personal credit in Banking
• 1.5. Classification of bank credit and personal credit in banking
• 1.6. The role of bank credit and personal credit in banking
• 1.7. ASSESSMENT CRITERIA FOR BANK CREDIT QUALITY
• 1.7.1. The concept of bank credit quality
• 1.7.2. The assessment criteria for the quality of personal credit in Banking
• 1.7.3. Evaluation through the service quality of the Bank
• 1.7.4. Evaluation through quantitative formulas
• 1.8. FACTORS AFFECTING THE QUALITY OF PERSONAL CREDIT IN BANKING
• 1.8.1. Factors from the Bank’s perspective
• 1.8.2. Factors from customers
• 1.9. THE DIFFERENCE BETWEEN PERSONAL CREDITS AND BUSINESS CREDITS IN BANKING
• 2. CHAPTER 2: THE CURRENT SITUATION OF PERSONAL CREDIT AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK
• 2.1. OVERVIEW OF GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK - GPBANK
• 2.1.1. Overview of Global Petro Sole Member Limited Commercial Bank – GPBank
• 2.1.2. The Management Structure of GPBank
• 2.2. Overview of Business activities of Global Petro Sole Member Limited Commercial Bank – GPBank
• 2.3. CURRENT SITUATIONS OF QUALITY OF PERSONNEL CREDIT AT GPBANK
• 2.3.1. Overview of Capital mobilization activities in market one of GPBank
• 2.4. OVERVIEW OF CREDIT OPERATIONS AT GPBANK
• 2.4.1. Overview of Bank's credit situation including credits before on 7/7/2015
• 2.4.2. Analysis of credit situation of GPBank with the following credits after 7/7/2015
• 2.4.3. Analysis of personal credit at GPBank with the following credits after (7/7/2015)
• 2.5. OVERVIEW OF CREDIT PERFORMANCE OF INDIVIDUAL CUSTOMERS AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK THROUGH PRACTICAL EXPERIENCE
• 2.5.1. Information about credit loans
• 2.5.2. The problems of my credit loans encountered
• 2.5.3. Comment after the actual experience
• 2.6. EVALUATIONS OF CURRENT SITUATIONS OF QUALITY OF PERSONNEL CREDIT AT GLOBAL PETROLEUM COMMERCIAL ONE MEMBER LIMITED BANK - GPBANK
• 2.6.1. Distribution channel system
• 2.6.2. The versatility of the product
• 2.6.3. Loan policy and application review
• 2.6.4. Professional ethics, service attitude of credit officers and product appraisal staff
• 2.6.5. Weakness and causes
• 3. CHAPTER 3: THE PROPOSED SOLUTIONS TO IMPROVE CREDIT QUALITY FOR INDIVIDUAL CUSTOMERS AT GLOBAL PETRO BANK (GPBANK)
• 3.1. THE ORIENTATION FOR CREDIT DEVELOPMENT AT GP BANK
• 3.1.1. The specific targets
• 3.2. SOME SOLUTIONS TO IMPROVE CREDIT QUALITY AT GLOBAL PETRO BANK
• 3.2.1. Personal credits products
• 3.2.2. Strengthening the management and solving existing bad debts
• 3.2.2.1. How to perform
• 3.2.3. Developing Marketing strategy - introduce new, distinctive and promising products
• 3.2.4. Modernizing the banking information technology system
• 3.2.4.1. How to perform
• 3.2.5. Strengthen credit training, highly professional appraisal officers and improve professional ethics of staff
• 3.2.5.1. How to perform

Tóm tắt

I. Tổng Quan Về Tín Dụng Cá Nhân Tại Ngân Hàng Thương Mại GPBank

Tín dụng cá nhân tại Ngân hàng Thương mại GPBank đóng vai trò quan trọng trong việc cung cấp nguồn vốn cho cá nhân và hộ gia đình. Với sự phát triển của nền kinh tế, nhu cầu vay vốn của người dân ngày càng tăng cao. GPBank đã không ngừng cải tiến các sản phẩm tín dụng cá nhân để đáp ứng nhu cầu này. Các sản phẩm vay tín chấp, vay mua nhà, vay mua ô tô được thiết kế linh hoạt, phù hợp với từng đối tượng khách hàng.

1.1. Định Nghĩa Tín Dụng Cá Nhân Tại GPBank

Tín dụng cá nhân tại GPBank là hình thức cho vay mà ngân hàng cung cấp vốn cho cá nhân hoặc hộ gia đình với mục đích tiêu dùng hoặc đầu tư. Điều này giúp khách hàng có thể thực hiện các kế hoạch tài chính cá nhân một cách hiệu quả.

1.2. Đặc Điểm Của Tín Dụng Cá Nhân Tại GPBank

Tín dụng cá nhân tại GPBank có những đặc điểm nổi bật như quy trình vay đơn giản, thời gian phê duyệt nhanh chóng và lãi suất cạnh tranh. Điều này giúp khách hàng dễ dàng tiếp cận nguồn vốn cần thiết.

II. Vấn Đề Và Thách Thức Trong Tín Dụng Cá Nhân Tại GPBank

Mặc dù GPBank đã có nhiều nỗ lực trong việc phát triển tín dụng cá nhân, nhưng vẫn tồn tại một số thách thức. Các vấn đề như nợ xấu, quy trình thẩm định khách hàng và cạnh tranh từ các ngân hàng khác đang gây áp lực lên hoạt động tín dụng cá nhân.

2.1. Nợ Xấu Trong Tín Dụng Cá Nhân

Nợ xấu là một trong những vấn đề lớn mà GPBank phải đối mặt. Việc quản lý nợ xấu hiệu quả là cần thiết để đảm bảo sự ổn định tài chính của ngân hàng.

2.2. Quy Trình Thẩm Định Khách Hàng

Quy trình thẩm định khách hàng cần được cải tiến để giảm thiểu rủi ro và tăng cường khả năng phê duyệt các khoản vay. Việc này sẽ giúp GPBank thu hút nhiều khách hàng hơn.

III. Phương Pháp Cải Thiện Chất Lượng Tín Dụng Cá Nhân Tại GPBank

Để nâng cao chất lượng tín dụng cá nhân, GPBank cần áp dụng một số phương pháp như cải tiến quy trình cho vay, tăng cường đào tạo nhân viên và phát triển các sản phẩm tín dụng mới.

3.1. Cải Tiến Quy Trình Cho Vay

Cải tiến quy trình cho vay sẽ giúp giảm thời gian phê duyệt và nâng cao trải nghiệm của khách hàng. GPBank cần xem xét việc áp dụng công nghệ trong quy trình này.

3.2. Đào Tạo Nhân Viên Tín Dụng

Đào tạo nhân viên tín dụng về kỹ năng giao tiếp và thẩm định sẽ giúp nâng cao chất lượng dịch vụ và giảm thiểu rủi ro trong cho vay.

IV. Ứng Dụng Thực Tiễn Của Tín Dụng Cá Nhân Tại GPBank

Tín dụng cá nhân tại GPBank đã được áp dụng rộng rãi trong nhiều lĩnh vực như vay mua nhà, vay mua ô tô và vay tiêu dùng. Những sản phẩm này không chỉ giúp khách hàng giải quyết nhu cầu tài chính mà còn thúc đẩy sự phát triển kinh tế địa phương.

4.1. Vay Mua Nhà Tại GPBank

Sản phẩm vay mua nhà của GPBank giúp khách hàng có thể sở hữu ngôi nhà mơ ước với lãi suất ưu đãi và thời gian vay linh hoạt.

4.2. Vay Mua Ô Tô Tại GPBank

Vay mua ô tô tại GPBank cung cấp cho khách hàng giải pháp tài chính hiệu quả để sở hữu phương tiện di chuyển, góp phần nâng cao chất lượng cuộc sống.

V. Kết Luận Về Tín Dụng Cá Nhân Tại GPBank

Tín dụng cá nhân tại GPBank đang có những bước phát triển mạnh mẽ. Tuy nhiên, để duy trì và mở rộng thị phần, ngân hàng cần tiếp tục cải tiến sản phẩm và dịch vụ, đồng thời nâng cao chất lượng phục vụ khách hàng.

5.1. Tương Lai Của Tín Dụng Cá Nhân Tại GPBank

Tương lai của tín dụng cá nhân tại GPBank sẽ phụ thuộc vào khả năng thích ứng với thị trường và nhu cầu của khách hàng. Ngân hàng cần tiếp tục đổi mới và sáng tạo trong các sản phẩm tín dụng.

5.2. Đề Xuất Giải Pháp Cải Thiện

Đề xuất các giải pháp cải thiện chất lượng tín dụng cá nhân sẽ giúp GPBank nâng cao vị thế cạnh tranh và phục vụ tốt hơn cho khách hàng.

Trích đoạn nội dung tài liệu

MASTER IN FINANCIAL MANAGEMENT INDIVIDUAL CLIENT CREDIT AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK (GPBANK) Graduate student : NGUYEN Thanh Tung Supervisor : Dr. DIEM Thi Thanh Hai HA NOI, 2020 HANOI, 2020 ACKNOWLEDGEMENT I would like to express my sincere gratitude to the VNU - International School for organizing a very useful master's program and giving me the opportunity to learn more about finance in general and financial management in particular. Thanks to my instructor Dr. DIEM Thi Thanh Hai for giving me meaningful and useful advice so I can improve my lesson.

Thanks to my colleagues at GPBank, throughout the course of work and research, for always being ready to help and answer the problems that I still encountered in the process of implementing this report. Signature of thesis author. TABLE OF CONTENTS ACKNOWLEDGEMENT TABLE OF CONTENTS LIST OF TABLES LIST OF FIGURES LIST OF ACRONYM INTRODUCTION .9 CHAPTER 1: OVERVIEW OF BANK CREDIT AND BANK CREDIT QUALITY. Definition of bank credit.

Definition of personal credit in Banking. Characteristics of bank credit. Characteristics of personal credit in Banking. Classification of bank credit and personal credit in banking.

Personal credit in Banking. The role of bank credit and personal credit in banking. The role of bank credit. The role of personal credit.

ASSESSMENT CRITERIA FOR BANK CREDIT QUALITY. The concept of bank credit quality. The assessment criteria for the quality of personal credit in Banking. Evaluation through the service quality of the Bank…………….

Evaluation through quantitative formulas. FACTORS AFFECTING THE QUALITY OF PERSONAL CREDIT IN BANKING. Factors from the Bank’s perspective. Factors from customers.

THE DIFFERENCE BETWEEN PERSONAL CREDITS AND BUSINESS CREDITS IN BANKING .33 CHAPTER 2: THE CURRENT SITUATION OF PERSONAL CREDIT AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK. OVERVIEW OF GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK - GPBANK. Overview of Global Petro Sole Member Limited Commercial Bank – GPBank. The Management Structure of GPBank……………………………28 2.

Overview of Business activities of Global Petro Sole Member Limited Commercial Bank – GPBank. CURRENT SITUATIONS OF QUALITY OF PERSONNEL CREDIT AT GPBANK. Overview of Capital mobilization activities in market one of GPBank. OVERVIEW OF CREDIT OPERATIONS AT GPBANK.

Overview of Bank's credit situation including credits before on 7/7/2015……. Analysis of credit situation of GPBank with the following credits after 7/7/2015. Analysis of personal credit at GPBank with the following credits after (7/7/2015). OVERVIEW OF CREDIT PERFORMANCE OF INDIVIDUAL CUSTOMERS AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK THROUGH PRACTICAL EXPERIENCE.

Information about credit loans. The problems of my credit loans encountered. Comment after the actual experience. EVALUATIONS OF CURRENT SITUATIONS OF QUALITY OF PERSONNEL CREDIT AT GLOBAL PETROLEUM COMMERCIAL ONE MEMBER LIMITED BANK - GPBANK.

Distribution channel system. The versatility of the product. Loan policy and application review. Professional ethics, service attitude of credit officers and product appraisal staff.

Weakness and causes .69 CHAPTER 3: THE PROPOSED SOLUTIONS TO IMPROVE CREDIT QUALITY FOR INDIVIDUAL CUSTOMERS AT GLOBAL PETRO BANK (GPBANK). THE ORIENTATION FOR CREDIT DEVELOPMENT AT GP BANK. The specific targets. SOME SOLUTIONS TO IMPROVE CREDIT QUALITY AT GLOBAL PETRO BANK.

Personal credits products. Strengthening the management and solving existing bad debts. How to perform. Developing Marketing strategy - introduce new, distinctive and promising products.

Modernizing the banking information technology system. How to perform. Strengthen credit training, highly professional appraisal officers and improve professional ethics of staff. How to perform .93 LIST OF TABLES Table 2.1: Capital mobilization in the type of currency of GPBank .2: Capital mobilization according to customers and deposits term .3: Outstanding loan by "debt group" and "customer type" in the period of 2018-2020 (Including the total of debt before 7/7/2015) .4: Outstanding credit by debt group at GPBank for the period 2018-2020 with the following credits after (7/7/2015) .5: Analysis by customer objects in the period from 2018 to 2020 at GPBank with credits after 7/7/2015 .6: Analysis by term of personal credit in the period from 2018 to 2020 at GPBank with credits after 7/7/2015 .48 Table Personal Non Performing Loans Ratio .7: Analysis by type of personal credit product for credit which was granted after 7/7/2015 for the period 2018-2020.51 LIST OF FIGURES Chart 2.1: Overview of Capital mobilization of GPBank .2: GPBank's total outstanding loans for the period from 2018 to 2020.3: The fluctuation in personal credit balance of GPBank in 2020 .4: GPBank's personal credit balance in 2020 .5: Compare the number of branches/transaction offices of commercial banks in the 2020.64 LIST OF ABBREVIATION - GSO: General Statistical Office - NPL: Non-performing loans - SME: Small and Medium Enterprise - POS: Credit Card machines -COVID-19: Coronavirus Disease/Severe Acute Respiratory Syndrome Coronavirus 2 - GPBank: Global Petro Sole Member Limited Commercial Bank - Tech: Technological and Commercial Joint Stock Bank - MB: Military Commercial Joint Stock Bank - MSB: Vietnam Maritime Commercial Joint Stock Bank - ACB: Asia Commercial Joint Stock Bank - VPBank: Vietnam Prosperity Joint-Stock Commercial Bank - TPBank: Tien Phong Commercial Joint Stock Bank INTRODUCTION I.

THE NECESSITY OF THE RESEARCH Nowadays, the banking industry can be considered the backbone of the economy as it covers all economic activities of the country. Although it does not directly generate wealth nor create products for the economy, the activities of the banking industry play an extremely important role in boosting the economy. Through its variety of policies and products, the banking industry creates many opportunities for enterprises to quickly and conveniently expand their business, which in turn helps the economy have a convenient and transparent cash flow system and avoids large amounts of idle cash on the market. All information related to the banking industry is always the top concern topic for enterprises, the government and individual customers because even a small change in policies, interest rates or operational activities of this industry can transform into either a big opportunity or an enormous challenge for all of them.

Commercial banks are financial institutions which operate in the monetary sector; in which financing activities on the basis of customers’ credit are the main activities that generate profits for them. As a result, credit relationships are extremely important because they affect all economic activities in the national economy and determine the existence and development of one bank. In addition, we can easily notice that credit and investment items usually account for the largest proportion of the bank's total assets (about 70% - 80%) on most banks' balance sheets because they are the main source of revenue for the banks. In order to ensure that commercial banks can maintain their operations and develop steadily, it is required that commercial banks' credit operations must be closely and efficiently regulated.

As a result, all the stages of credit activities must be carried out according to the approved principles to ensure that commercial banks can recover both capital and interest when the loans expire. Along with the innovation and development of the entire banking industry, Global Petroleum Commercial Sole 9 Member Limited Commercial Bank (GPBank) has focused on credit activities and is gradually improving its business over the years to meet the requirements of economic development in the process of industrialization and modernization of the country. I was assigned to be in charge of individual customers for the risk management department of GPBank; and I realized that there were outstanding problems in the credit procedures. Therefore, with the help of the Board of Directors and all colleagues in the Risk Management Department and the enthusiastic guidance of Mrs.

Diem Thi Thanh Hai, I decided to choose the topic: “Individual Client Credit At Global Petro Sole Member Limited Commercial Bank (GPBank)” II. RESEARCH OBJECTIOVES - The research is based on theory and practice about promoting the strength of personal loan products at GPBank - Systematizing the fundamental issues related to lending services and lending processes. - Analyzing the lending strategy, lending activities and the method used to manage personal’ loans at GPBank - Analyzing GPBank’s credit quality along with the strengths and weaknesses of lending services. - Proposing feasible solutions in order to improve credit's quality.

RESEARCH METHODOLOGY - Firstly, During the research process, I have applied the following research methods: document research, practical experience, analyze and compare. - Secondly, I am currently an employee in charge of credit for individual customers for the risk management department of GPBank. In order to achieve the best results for the research, I got approval from my department manager and colleagues to collect incentive data about the credit products and financial reports of GPBank in 2018, 2019, and 2020. This data gave me the most accurate and general information about the performance of GP Bank.

During the research, I also consulted and collected trustworthy data from financial journals and public data from GSO. 10 Additionally, I did my research on all the Decisions of the State Bank of Vietnam relating to Commercial Banks and especially the credit products for individual customers. - Last but not least, I myself became a customer of GP bank to get a personal loan; therefore, I had personal experiences about the bank’s credit activities from the customer's perspective. RESEARCH STRUCTURE The structure will consist of 3 main chapters  CHAPTER 1.

OVERVIEW OF BANK CREDIT AND BANK CREDIT QUALITY In this chapter I will introduce an overview of the credit in the bank, the classification of the types of credit in the bank and the factors that can affect credit in banks. THE CURRENT SITUATION OF CREDIT QUALITY AT GLOBAL PETRO SOLE MEMBER LIMITED COMMERCIAL BANK In this chapter, I will introduce about the history and development of GPBank, the bank's performance, especially credit products for individual customers of the Bank, its strengths and weaknesses  CHAPTER 3. PROPOSED SOLUTIONS TO IMPROVE CREDIT QUALITY FOR INDIVIDUAL CUSTOMERS AT GP BANK In this chapter, I will emphasize the solutions that have been proposed for the shortcomings of GPBank's credit products especially for individual customers. 11 CHAPTER 1: OVERVIEW OF BANK CREDIT AND BANK CREDIT QUALITY 1.

Definition of bank credit Banks are the most concentrated manifestation of all economic activities of the country; and information related to banking activities is always the top concern of businesses, personal customers and the government. Commercial banks are economic organizations which are operating in the monetary sector in which financing activities on the basis of credit are the main activities that bring profits to commercial banks. As a result, stages of credit activities must be done correctly according to approved principles to ensure that commercial banks can recover both capital and interest at the end of the loan term. The definition of bank credit is: “The monetary credit relationship where one side is the bank - an organization specializing in trading in the monetary field with the other side being all organizations and individuals in a society in which the bank plays the role of both a borrower and a lender”.

Besides that, “Credit approval means an agreement for an organization or individual to use an amount of money or committing to allow the use of an amount of money on the principle of repayment by loan operations, discount, financial leasing, payment, bank guarantee and other credit operations”. This is the main form of credit in the market economy, it always meets the needs of social reproduction. As a borrower: Banks mobilize all temporarily idle capital in society by accepting deposits from businesses, organizations or individuals or issuing certificates of deposit and bonds to mobilize capital in society. As a lender: Banks fulfill the needs of businesses, organizations and individuals when there is a lack of capital that needs to be supplemented in business and consumption activities.