2

MC LC
Trang
Trang ph ba
Li cam oan
Mc lc
Danh mc ch vit tt
Danh mc cc bng biu
Li m u................................................................................................................. 1
Chng 1 : L lun v nng lc cnh tranh ca Ngn hng thng mi
1.1. nh ngha v cnh tranh, li th cnh tranh v nng lc cnh tranh ................ 3
1.1.1 nh ngha v cnh tranh ................................................................................... 3
1.1.2 Li th cnh tranh .............................................................................................. 4
1.1.3 Nng lc (sc) cnh tranh.................................................................................. 5
1.2. Cc ch tiu nh gi nng lc cnh tranh ca NHTM ...................................... 6
1.2.1 Th phn ............................................................................................................. 6
1.2.2 V th ti chnh................................................................................................... 6
1.2.3 Qun l v lnh o ........................................................................................... 6
1.2.4 Kh nng nm bt thng tin ............................................................................... 7
1.2.5 S a dng v gi c sn phm dch v ............................................................. 7
1.2.6 Knh phn phi ................................................................................................. 8
1.2.7 Truyn tin v xc tin ........................................................................................ 8
1.2.8 Nng lc R&D ................................................................................................... 8
1.2.9 Trnh lao n g.............................................................................................. 8
1.2.10 V th v danh ting ........................................................................................ 9
1.3 Cc nhn t nh hng n nng lc cnh tranh ca cc NHTM ...................... 10
1.3.1 Cc nhn t quc t.......................................................................................... 10
1.3.1.1 Cc nhn t thuc v chnh tr ..................................................................... 10
1.3.1.2 i th cnh tranh quc t ............................................................................ 11
1.3.2 Cc nhn t trong nc.................................................................................... 11
1.3.2.1 Cc nhn t kinh t ....................................................................................... 11
1.3.2.2 Cc nhn t v chnh tr - php lut .............................................................. 12
1.3.2.3 Nhn t v trnh khoa hc cng ngh ...................................................... 12
1.3.2.4 Cc nhn t v vn ha, tm l x hi .......................................................... 12
1.3.2.5 Cc nhn t thuc mi trng ngnh............................................................ 12
1.4 Bi hc kinh nghim trong vic nng cao nng lc cnh tranh ca mt s Ngn
hng ln trn th gii ................................................................................................ 14
1.4.1 Kinh nghim t Citigroup................................................................................ 15
1.4.2 Kinh nghim t Deutsche ................................................................................ 18

1.4.3 Kinh nghim t HSBC Holdings ..................................................................... 20

Tm tt chng 1 .................................................................................................... 22
Chng 2 : Thc trng nng lc cnh tranh ca Ngn hng u t v Pht trin
Vit Nam
2.1. Thc trng nn kinh t - x hi nc ta t nm 2001 n nay ........................ 23
2.1.1 V kinh t ......................................................................................................... 23
2.1.2 i sng x hi ............................................................................................... 24
2.1.3 Mng li c s h tng v ng dng cng ngh ........................................... 25
2.1.4 Hot ng kinh t i ngoi ............................................................................ 26
2.1.5 Th trng ti chnh tin t .............................................................................. 27
2.2 Phn tch nng lc cnh tranh ca Ngn hng u t Pht trin Vit Nam hin
nay ............................................................................................................................. 28
2.2.1 S lc v Ngn hng u t Pht trin Vit Nam......................................... 28
2.2.1.1 Qu trnh hnh thnh v pht trin ................................................................ 29
2.2.1.2 C cu t chc .............................................................................................. 30
2.2.2 Phn tch h thng ch tiu nh gi nng lc cnh tranh ............................... 30
2.2.2.1 Thc trng v vn, huy ng v cho vay...................................................... 30
2.2.2.1.1 V vn t c............................................................................................... 30
2.2.2.1.2 V huy ng vn v cho vay...................................................................... 33
2.2.2.2 Thc trng v nng lc ti chnh ................................................................. 35
2.2.2.2.1 V kh nng thanh khon........................................................................... 35
2.2.2.2.2 V t l n xu .......................................................................................... 36
2.2.2.2.3 V hiu qu kinh doanh ............................................................................ 39
2.2.2.3 Cc sn phm v dch v Ngn hng ........................................................... 41
2.2.2.4 Trnh cng ngh, nhn lc, h thng mng li v uy tn....................... 44
2.2.2.4.1 Trnh cng ngh thng tin .................................................................... 44
2.2.2.4.2 Ngun nhn lc v trnh qun tr ......................................................... 47
2.2.2.4.3 H thng mnh li chi nhnh .................................................................. 50
2.2.2.4.4 Uy tn ca BIDV trn th trng ti chnh ................................................ 52
2.3 Xy dng m hnh cnh tranh ca BIDV .......................................................... 53
2.3.1 Cnh tranh vi cc nh ch ti chnh ngn hng ........................................... 53
2.3.2 Cnh tranh vi cc nh ch ti chnh phi ngn hng ..................................... 55
2.3.3 Kh nng cnh tranh ca BIDV so vi mt s NHTM khc .......................... 56
Tm tt chng 2 ................................................................................................... 58
Chng 3 : Mt s gii php nng cao nng lc cnh tranh ca BIDV trong iu
kin hi nhp quc t
3.1. Mc tiu, nh hng v quan im ca BIDV thi k hi nhp...................... 59
3.1.1 Mc tiu, phng chm kinh doanh ................................................................ 59
3.1.2 Cc ch tiu c bn n nm 2010
59
3.2. xut gii php nng cao nng lc cnh tranh ca BIDV ............................. 60
3.2.1 Gii php nng cao nng lc ti chnh............................................................. 60
3.2.1.1 Gii php tng vn iu l, vn t c ........................................................... 60

3.2.1.2 Gii php nhm ngn nga v x l n xu nhm nng cao cht lng tn
dng........................................................................................................................... 62
3.2.2 Gii php v nng cao cht lng cc sn phm dch v cung cp................. 66
3.2.2.1 Phn khc th trng..................................................................................... 66
3.2.2.2 Xc lp quy m tn dng tp trung ............................................................... 68
3.2.2.3 y mnh cng tc huy ng vn ................................................................ 71
3.2.2.4 y mnh cng tc nghin cu th trng v marketing (R&D) ................. 72
3.2.2.5 Hon thin cc dch v ngn hng in t.................................................... 74
3.2.2.6 Ci thin cng tc chm sc khch hng ...................................................... 76
3.2.3 Gii php v pht trin cng ngh ................................................................... 77
3.2.4 Gii php v ngun nhn lc, nng cap trnh qun l ................................ 79
3.3 Mt s kin ngh ................................................................................................. 83
3.3.1 i vi Chnh ph............................................................................................ 83
3.3.2 i vi Ngn hng nh nc .......................................................................... 85
3.3.3 i vi cc B, Ban ngnh c lin quan ........................................................ 87
Tm tt chng 3 ................................................................................................... 88
Kt lun.................................................................................................................... 89
Ti liu tham kho
Cc ph lc

DANH MC CH VIT TT
ACB

: Ngn hng Thng mi C Phn Chu

AGRIBANK : Ngn hng Nng nghip v Pht trin Nng thn

APEC

: Din n hp tc kinh t khu vc chu - Thi Bnh Dng

ASEAN

: Hip hi cc Quc gia ng Nam

ATM

: My rt tin t ng

BIDV

: Ngn hng u t v Pht trin Vit Nam

CAR

: H s an ton vn

CPH

: C phn ha

DNNN

: Doanh nghip nh nc

ICB

: Ngn hng Cng thng

IFRS

: Chun mc kim ton quc t

GDP

: Tng thu nhp quc dn

NH

: Ngn hng

NHNN

: Ngn hng nh nc

NHTM

: Ngn hng thng mi

NHTMCP

: Ngn hng thng mi c phn

NHTMQD

: Ngn hng thng mi quc doanh

TCTD

: T chc tn dng

TTCK

: Th trng chng khon

TMCP

: Thng mi C phn

UNDP

: T chc Pht trin cng nghip ca Lin hp quc

UNESCO

: T chc gio dc, khoa hc v vn ho ca Lin hip quc

VAS

: Chun mc k ton Vit Nam

VCB

: Ngn hng Ngoi thng Vit Nam

WB

: Ngn hng Th gii

WEF

: Din n Kinh T Th Gii

WTO

: T chc thng mi th gii

--------o0o--------

DANH MC CC BNG
Bng 2.1 : So snh ch s nng lc cnh tranh ton cu ca mt s quc gia
nm 2005 v 2006
Bng 2.2 : Ch s CAR ca BIDV qua cc nm 2005 - 2006
Bng 2.3 : Ngun vn huy ng ca BIDV qua cc nm 2004 2006
Bng 2.4 : D n tn dng ca BIDV qua cc nm 2004 2006
Bng 2.5 : Phn loi nhm n ca BIDV nm 2006
Bng 2.6 : H s ROE v ROA ca BIDV qua cc nm 2005 - 2006
Bng 2.7 : H s ROE v ROA ca khi NHTMQD nm 2005
Bng 2.8 : Mng li ca BIDV qua cc nm 2003 2006
Bng 2.9 : Cc nh ch ti chnh hot ng ti Vit Nam qua cc nm 2001 - 2006
Bng 2.10 : Ma trn hnh nh cnh tranh

--------o0o--------

DANH MC CC HNH
Hnh 1.1 : Cc lc lng iu khin cuc cnh tranh trong ngnh
Hnh 2.1 : Biu tng trng GDP ca Vit Nam qua cc nm 2001 2006
Hnh 2.2 : Biu tng trng ngun vn ch s hu ca BIDV 2001 2006
Hnh 2.3 : C cu thu nhp ca BIDV nm 2006
Hnh 2.4 : C cu lao ng ca BIDV nm 2006
--------o0o--------

LI M U
1. S cn thit ca ti:
Ngn hng u t v Pht trin Vit Nam cng vi cc ngn hng khc nh
Ngn hng Cng thng, Ngn hng Ngoi thng, Ngn hng Nng nghip v
Pht trin Nng thn l nhng ngn hng thng mi quc doanh c b dy lch s
hnh thnh v pht trin lu i. Chnh v b dy lch s ny mang li cho nhm
ngn hng thng mi quc doanh trn mt th phn rng ln, mt mng li pht
trin dy c vi cc sn phm dch v ngn hng ngy cng a dng. Tuy nhin,
nhng g m nhm cc ngn hng thng mi quc doanh ang nm gi liu p
ng cc iu kin cn v cnh tranh c vi cc t chc tn dng, cc nh
ch phi ti chnh k c trong nc ln nc ngoi hay cha hin l mi quan tm rt
ln. iu ny cng tr nn quan trng khi thng 11/2006 va qua, Vit Nam
chnh thc bc vo sn chi chung v rng ln ca th gii, l gia nhp T
chc thng mi th gii (WTO), vi nhiu cam kt m ca ht sc thun li cho
cc nh ch ti chnh nc ngoi. Chnh iu ny cng lm cho vic tm hiu v
phn tch nhng vn lin quan n nng lc cnh tranh ca Ngn hng u t
Pht trin Vit Nam cng tr nn bc thit. Trn c s phn tch, Ngn hng u t
Pht trin Vit Nam cng cn phi c nhng gii php thch hp nhm nng cao
nng lc cnh tranh trong thi k hi nhp. l l do Ti chn ti nghin cu
Mt s gii php nhm nng cao nng lc cnh tranh ca Ngn hng u t Pht
trin Vit Nam trong qu trnh hi nhp .
2. Mc tiu ca ti:
Mc tiu ca ti lm sng t nhng vn sau:
- Trnh by nhng l lun v nng lc cnh tranh
- Phn tch thc trng nng lc cnh tranh ca Ngn hng u t v Pht trin
Vit Nam hin nay

- Trn c s l lun v phn tch thc trng nng lc cnh tranh, xut cc
gii php nhm nng cao nng lc cnh tranh ti Ngn hng u t v Pht
trin Vit Nam trong iu kin hi nhp quc t.
3. i tng v phm vi nghin cu:
ti nghin cu h thng cc ch tiu to thnh nng lc cnh tranh ca
Ngn hng u t v Pht trin Vit Nam, t xut cc gii php nng cao
nng lc cnh tranh ca Ngn hng u t v Pht trin Vit Nam trong iu kin
hi nhp quc t.
4. Phng php nghin cu:
Thu thp thng tin v d liu t cc bo co thng nin ca Ngn hng Nh
nc; Ngn hng u t v Pht trin, Ngn hng Ngoi thng; ng thi thu
thp s liu t Tng cc Thng k Vit Nam; cc tp ch kinh t, tp ch nghin cu
pht trin, tp ch ngn hng; cc ti liu trong v ngoi nc.
S dng cc phng php : thng k, tng hp, so snh x l

s liu

thu thp c.
5. Cu trc ni dung nghin cu
Ngoi phn m u v kt lun, ti c trnh by gm 3 phn :
Chng 1 : L lun v nng lc cnh tranh ca Ngn hng Thng mi
Chng 2 : Thc trng nng lc cnh tranh ca Ngn hng u t v Pht trin
Vit Nam
Chng 3 : Mt s gii php nng cao nng lc cnh tranh ca Ngn hng u t
v Pht trin Vit Nam trong iu kin hi nhp quc t
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