TRNG I HC KINH T TPHCM KHOA NGN HANG

KHO LUN TT NGHIP

TAI: GII PHP THC Y CHO VAY TIU DNG TI NGN HNG K THNG VIT NAM

Giao vin hng dn: Thy Nguyn Trung Thng Sinh vin thc hin : Nguyn Quc Tn Lp : NH01 VB2 - K12

Nin khoa 2009 - 2011

CHNG 1: GII THIU S LC V NHTM C PHN K THNG VIT NAM 1.1 Tng quan v NHTM K Thng Vit Nam 1.1.1 Lch s hnh thnh v pht trin Theo giy php hot ng s 0400/NH-GP do Thng c ngn hng Nh nc Vit Nam cp ngy 06/08/1993, giy php thnh lp s 1534/Q-UB do UBND thnh ph H Ni cp 04/09/1993, giy php kinh doanh s 055697 do S k hoch v u t H Ni cp 07/09/1993, ngy 27/09/1993 Ngn hng Thng mi C phn K thng Vit Nam Techcombank c chnh thc thnh lp. y l mt trong nhng Ngn hng Thng mi C phn u tin ca Vit Nam c thnh lp trong bi cnh t nc ang chuyn sang nn kinh t th trng vi s vn iu l ban u la 20 t ng v tr s chnh ban u c t ti s 24 L Thng Kit, Hon Kim, H Ni. Tri qua hn 16 nm hot ng, n nay Techcombank tr thnh mt trong nhng ngn hng thng mi c phn hng u Vit Nam vi tng ti sn t trn 107.910 t ng (tnh n ht thng 6/2010). Techcombank c c ng chin lc l ngn hng HSBC vi 20% c phn Vi mng li gn 230 chi nhnh, phng giao dch trn hn 40 tnh v thnh ph trong c nc, d kin n cui nm 2010, Techcombank s tip tc m rng, nng tng s Chi nhnh v Phng giao dch ln 300 im trn ton quc. Techcombank cn l ngn hng u tin v duy nht c Financial Insights tng danh hiu Ngn hng dn u v gii php v ng dng cng ngh. Hin ti, vi i ng nhn vin ln ti trn 5000 ngi, Techcombank lun sn sng p ng mi yu cu v dch v dnh cho khch hng. Techcombank hin phc v trn 1 triu khch hng c nhn, gn 42.000 khch hng doanh nghip. Cac ct moc lich s ang chu y cua ngn hang Techcombank. Nm 1995 Tng vn u l ln 51,495 ti ng, thanh lp Techcombank H Chi Minh, khi u cho s phat trin nhanh chng cua Techcombank cac thanh ph ln.

Nm 1996, TCB thnh lp tip chi nhnh TCB Thng Long cng Phng giao dch Nguyn Ch Thanh ti H Ni, thnh lp Phng giao dch Thng Li trc thuc TCB H Ch Minh v tip tc tng vn iu l ln 70 t ng. Nm 1998, tr s chnh ca TCB c chuyn sang Ta nh TCB 15 o Duy T, H Ni v thnh lp Chi nhnh TCB ti Nng. Nh vy ch sau nm nm hot ng, TCB nhanh chng m rng th trng v c mt ti ba thnh ph ln ca c nc, l H Ni, thnh ph H Ch Minh v Nng. S vn iu l ca TCB tng ln 80,020 t ng vo nm 1999 v tip tc tng ln 102,345 t ng vo nm 2001. y cng l nm ng nh ca TCB khi ngn hng trin khai h thng phn mm Ngn hng Globus cho ton b h thng TCB nhm p ng tt hn nhu cu ca khch hng. Quan tm ti nhu cu ca khch hng, chm lo ti khch hng lun l phng chm kinh doanh hng u ca TCB. Vi nhng n lc khng bit mt mi ca tp th Ban lnh o v ca ton th cn b cng nhn vin, TCB dn chim lnh c th trng ngn hng vn rt si ng v y thch thc, thu ht ngy cng nhiu khch hng trong v ngoi nc. m rng th trng v thun li cho nhu cu giao dch ca khch hng, nm 2002, TCB thnh lp mt lot cc chi nhnh ti cc tnh v thnh ph trong c nc. l chi nhnh Chng Dng v Chi nhnh Hon Kim ti H Ni, Chi nhnh Hi Phng ti Hi Phng, Chi nhnh Thanh Kh ti Nng, Chi nhnh Tn Bnh ti thnh ph H Ch Minh. TCB cng l Ngn hng Thng mi C phn c mng li giao dch rng nht ti Th H Ni. Mng li bao gm Hi s chnh v tm chi nhnh cng bn phng giao dch ti cc thnh ph ln trong c nc. Cng trong nm 2002, vn iu l Ngn hng tng ln 104,435 t ng. Nm 2003, TCB a chi nhnh TCD Ch ln vo hot ng v tng vn iu l ln 180 t ng. Nm 2004 nh du bc chuyn mnh v pht trin vt bc ca TCB khi ngn hng lin tc tng vn iu l ln 234 t ng, ln 252,255 t ng v ln 412 t ng

vo 26/11/2004. S vn iu l ny kh nh nu so vi cc Ngn hng Thng mi Nh nc, tuy nhin n th hin s quyt tm khng ngng vn ln ca i ng cn b Ngn hng K thng Vit Nam trong xu th cnh tranh v hi nhp v kinh t. Qua nm thng pht trin, cng vi s tng ln lin tc ca vn iu l l s tng ln ca tng s chi nhnh, phng giao dch v hi s chnh. TCB khng nhng vng mnh v ti chnh m cn lun bm st m rng th trng v tng cng lc lng cn b cng nhn vin. Nm 2005, thanh lp cac chi nhanh cp 1 tai mt s tinh thanh: Lao Cai, Hng Yn, Vinh Phuc, Bc Ninh, Nha Trang, Vung Tau,... Tng vn iu l ln 555 ty ng. Ngay 29/09 khai trng phn mm chuyn mach va quan ly the cua hang Compass plus. Ngay 03/12 nng cp h thng phn mm Globus sang phin ban mi nht cua Tenemos T24 R5 Vn iu l ca TCB (t ng) Nm Vn iu l 1993 20 1995 51,49 2000 70 2005 80,02 2010 102,3

S lng chi nhnh, Phng giao dch v Hi s chnh TCB Nm 1993 1995 2 2000 5 2005 6 2010 7

S lng CN, PGD v 1 H. S

S lng nhn vin ca TCB

Nm S nhn vin

1993 20

1995 53

2000 92

2005 114

2010 164

K t khi thnh lp n nay, Techcombank ln mnh, to dng uy tn v hnh nh p trong lng mi khch hng. Cc sn phm v dch v v cng a dng vi cng ngh hin i v cht lng dch v khng ngng c nng cao, chiu lng c nhng khch hng kh tnh nht. 1.1.2 C cu t chc ca Hi s chnh

i hi c ng Hi ng qun tr Ban iu hnh UB qun l ti sn n c Ban kim sot

Hi ng tn dng Hi s chnh Phng kim sot ni b

Trung tm TT v NH i l

Phng k ton ti chnh Phng qun l tn dng

TCB Thn g Long

Phng k hoch tng hp Ban qun l ri ro

TCB Hong Quc Vit TCB Tn Bnh

Phng Vn phng qun l nhn s Phng thng tin in ton

TCB Hon Kim

Ban qun l cht lng

TCB Hi Phn g TCB Nng

Phng marketi ng
TTm kinh doan h TCB Ch ng Dn g TCB Ni Bi

Phng QL ngun vn GD tin t

TCB HCM

TCB Trn Hng o

TCB Than h Kh

TCB Hi Chu

TCB Ch Ln

TCB L Thng Kit TCB Ph M Hng

Ban kim sot v h tr KD Phng Dv NHDN Phng Dv NH bn l K ton giao dch v kho qu

TCB TCB ng Ba nh TCB TCB Ngc ng Khn a h

TCB Tn Sn Nht

1.1.3 Khi qut tnh hnh hot ng kinh doanh cua ngn hng L mt Ngn hng Thng mi C phn vi lch s hnh thnh v pht trin mi ch c hn 10 nm nhng hot ng ca Techcombank rt c hiu qu, quy m ca ngn hng lin tc c m rng, sn phm ngy cng phong ph, a dng, p ng tt hn nhu cu ca khch hng, cht lng sn phm lin tc c ci tin, v hnh nh ca ngn hng ngy cng c bit n rng ri hn. Ta c th nh gi hot ng ca ngn hng thng qua vic xem xt cc ch tiu ti chnh ch yu ca ngn hng trong cc nm va qua. Bng 1: Mt s ch tiu ti chnh ch yu ca Techcombank n v: T VND Ch tiu Tng ti sn Vn iu l v cc qu d tr Tng doanh thu hot ng Li nhun trc thu, trc d phng ri ro Tin gi huy ng v tin vay Hot ng tn dng 2268 1424 3923 2103 4262 2450 5321 2831 2001 2388 109 149 17.5 2002 4059 136 311 52.3 2003 4546 202 327 72.4 2004 7110 426 452 90.58

Ngun: Bo co thng nin ca Ngn hng TMCP K thng Vit Nam t 2001-2004 Nhn vo bng s liu ta nhn thy tng ti sn, vn iu l v cc qu d tr ca ngn hng lin tc tng qua cc nm t nm 2001 ti nm 2004 to iu kin ngn hng m rng quy m, th phn v cng c hnh nh ca mnh trong h thng ngn hng ni ring v trong nn kinh t ni chung. Bn cnh , hiu qu hot ng ca ngn hng cng c nng cao r rt th hin s tng ln ca doanh thu hot ng v li nhun trc thu. Uy tn ca ngn hng tng ln, t m lng tin gi v lng tin cho vay cng tng ln. Vn huy ng tng trng mnh, c bit l huy ng t dn c v cc t chc ti chnh, to th n nh trong hot ng ca ngn hng. Techcombank to c uy tn cao trong hot ng tn dng v thanh ton quc t. Nm 2004, ngn hng vinh d c nhn chng ch ISO 9000 v thanh ton v tn dng. Bn cnh , TCB cn c cc ngn hng ln trn th gii nh ANZ, City bank v Standard Chatterbank l t l in chuyn tin t trn 98%, thuc mc cao nht trong cc ngn hng, vt xa mc tiu t ra l 80% v mc trung bnh ca cc ngn hng trong c nc l 65%. Cht lng in cao lm gim thi gian x l in ti cc ngn hng trung gian lm cho tin ca khch hng c ghi c sm hn nng cao c s hi lng ca khch hng, ng thi gim ph sa in, tit kim chi ph cho Techcombank. H thng qun tr ngn hng c cng c vi cc cng c qun tr da trn nn tng cng ngh v quy trnh hp l gp phn ng k vo vic hon thin mt bc chng trnh ti cu trc v hin i ha ngn hng. TCB cng khng ngng hon thin cng tc marketing, pht trin sn phm v chm sc khch hng. Sn phm TCB cng a dng phong ph p ng nhu cu ca khch hng.

Techcombank tip tc thc hin chuyn dch c cu khch hng ph hp vi cc mc tiu ra, kt hp vi vic pht trin sn phm mi v bc u to dng hnh nh Techcombank trong cng chng v khch hng doanh nghip va v nh cc th ln, c bit l ti H Ni, Nng v thnh ph H Ch Minh ph hp vi chin lc pht trin ca ngn hng. Bn cnh nhng thnh cng m ngn hng t c , cn c nhng im yu m ngn hng phi n lc khc phc, c th k ra y cc nhc im sau: Cng tc thu hi n tn ng, mc d t c nhng kt qu kh quan vn tin trin chm so vi k hoch ra. Vic trin khai mt s chng trnh marketing, chng trnh sn phm mi, chng trnh hin i ha cng ngh vn cn nhiu im bt cp, thiu ng b dn n hn ch hiu qu hot ng. Cc chng trnh pht trin ngun nhn lc mc d c nhng u t ln v tin b trong cng tc tuyn chn, o to, i ng, vn cn khp khnh v thiu ng b dn n hiu qu ng vin, c v v thu hthutnb ti cn hn ch. Cc chng trnh kim sot v qun tr ri ro th trng, pht trin th v m rng mng li mc d c bt u nhng qu trnh pht trin khai cn b chm tr. 1.2 Gii thiu chi nhnh thc tp 1.2.1 Lch s thnh lp 1.2.2 Tnh hnh hot ng 1.2.3 nh hng pht trin Chng 2: Thc trng cho vay tiu dng ti NHTM K Thng Vit Nam Trnh bi s lc v NHTM C Phn K Thng Vit Nam, thc trng cho vay tiu dng ti hi s chnh, nh gi hot ng cho vay tiu dng (trnh bi t 20 n 25 trang)

2.1 Thc trng hot ng cho vay tiu dng ti Hi s chnh Ngn hng Thng mi C phn K thng Vit Nam 2.1.1 Khi qut v hot ng cho vay ti Hi s chnh Ngn hng Thng mi C phn K thng Vit Nam 2.1.2 Thc trng hot ng cho vay tiu dng ti Hi s chnh 2.2 Chin lc pht trin hot ng cho vay ti NHTMCP K Thng 2.3 nh gi v hot ng cho vay tiu dng ti Hi s chnh 2.3.1 Thnh tu, thun li 2.3.2 Kh khn, hn ch CHNG 3: GII PHP Y MNH HOT NG CHO VAY TIU DNG TI NGN HNG THNG MI C PHN K THNG 3.1 Gii php y mnh hot ng cho vay tiu dng ti Ngn hng Thng mi C phn K thng 3.1.1. Tng cng chin lc marketing ngn hng 3.1.2. M rng mng li ca Ngn hng 3.1.3. Khng ngng pht trin cng ngh Ngn hng 3.1.4. Nng cao s lng cng nh cht lng ngun nhn lc 3.1.5. p dng h thng tnh im tn dng i vi khch hng 3.2. Mt s kin ngh

In cng ny kp ri vi kho lun cui cng. In bn nhp np ti VP khoa trong gi hnh chnh.