Nielsen - PFM Presentation - VNese PDF

Kho
h st
t
Ti chnh
C nhn
Gia nm - 2010
Kho st ti chnh c nhn 2010

Copyright 2010 The Nielsen Company. Confidential and proprietary.
Th trng
g Vit
Nam ang
g si ng!
g
GDP tng mnh c hai khu vc thnh th v nng thn.
Vit Nam hin ang c xp v tr th 2 trn bng ch s lc quan
ca ngi tiu dng trn th gii do Neilsen kho st.
Cc nh lnh o tip tc a ra nhng k vng tng trng kinh
doanh trong 12 thng ti.
Hn 50% dn s di tui 30.

Vit Nam
Nhng d
d on (2010)
Dn s
87 triu
Nam
N
43.1 triu (49.5%)

43 9 triu (50.5%)
43.9
(50 5%)
Thnh th (2009)
Nng thn (2009)
29.6%
70.4%
Mc tng trng GDP
5.5%
Mc lm pht
10%
Mc tng trng tin lng
12.3%
H Ni
Hi Phng
Nng
Nha Trang
Cc thnh ph chnh:
TP. H Ch Minh
H Ni
Hi Phng
Nng
Nha
Nh Trang
T
Cn Th
Cn Th
TP. H Ch Minh

Dn s tr ng ngha vi sc mua s c tng ln v tham gia

vo lc lng lao ng.
Dn s Vit Nam
Vit Nam 2009
Nam
80+
75 - 79
70 - 74
65 - 69
60 - 64
55 - 59
50 - 54
45 - 49
40 - 44
35 - 39
30 - 34
25 - 29
20 - 24
15 - 19
10 - 14
5-9
0-4
5000
4000
3000
2000
1000
Dn s di 30 tui: 56%
1,000
2,000
General Economy: Population

Ngun: U.S. Central Bureau, International Database
3,000
4,000
5,000

Lc lng lao ng ny s ng gp thm cho tng sn phm ni a

(GDP) tnh theo u ngi trong nhng nm sp ti.
Lc lng lao ng (000 ngi)
GDP tnh trn u ngi

(USD)
60,000
1,200
1,074
50,000
1,024
835
40,000
725
30,000
402
20,000
,
440
552
10,000
201
18
201
16
201
14
201
12
201
10
200
08
200
06
200
04
200
02
200
00
0
2000
2002
2004
2006
2007
2008
2009
D on
2010
Lc lng lao ng ('000 ngi)
Ngun: Tng cc thng k (www

(www.gso.gov.vn)
gso gov vn)

Ch s lc quan ca ngi
tiu dng
(Consumer Confidence Index)

Ch s lc quan ca ngi tiu dng ti Vit Nam li tip tc tng mnh

v Vit Nam c xp hng l nc lc quan th 2 trong qu 2/2010.
Na sau 2010 - Ch s lc quan ca ngi tiu dng, Nielsen
Vit Nam Lc quan th nh
Nhng thay i trong na sau nm 2010 so vi na u nm 2010
160
140
2 3 18 2 -2 5 1 -3 -1 5 2 2 -2 1 0 5 1 4 3 5 2 2 -3 5 4 3 2 3 2 -2 -1 -1 7 2 -2 -17 -1 3 -4 -10 1 4 -5 -1 6 0 1 6

129
119119
120
113113112109 107
102
108
101
105
101 99
98 98 98 97 97 97
94 93 92 92
100
Ch s trung
bnh th gii
88 88
88 87 87 85 84
84 81
79 78 78
80
93
73 73
71 69 68
65 63 61
60
59
56 55 52
40
20
Base : Tt c p vin (n=26995)
JP
LT
EE
LV
KO
FR
IT
ES
IE
HU
CZ
TR
GB
EG
BE
TW
DE
UA
FI
US
AT
ZA
PL
RU
PK
AR
TH
MX
IL
SE
NL
CH
AE
MY
NZ
DK
CA
HK
AU
BR
CO
SG
CN
IN
ID
VN
PH
NO

Quan im ca lnh o cng ty

v vic pht trin kinh t
(Business Barometer)

Nhng nh lnh o kinh doanh Vit Nam th hin nhng k vng tng
trng cao i vi ton b nn kinh t cng nh nhng iu kin kinh
doanh ca chnh h
h.
Anh/ch d on mc tng trng GDP l bao nhiu trong 12
thng ti?
Anh/ch d on mc tng trng ca ton ngnh l bao nhiu
trong 12 thng ti?
14
12
Anh/ch vui lng cho bit tc tng trng ca cng

ty anh/ch d kin l bao nhiu trong 12 thng ti?
100%
13.6
Na u 2009
Na sau 2009
Na u 2010
21
31
80%
11.3
10.2
11
60%
16% - 20%
20
21% - 25%
17
10
25%+
23
5.7
5.0
40%
11% - 15%
4.9
17
12
6% - 10%
20%
0%
D on mc tng trng
GDP trong 12 thng ti
D on mc tng trng
ca ton ngnh
17
14
Na sau 2009
Na u 2010
t hn 5%
Ngun: Nielsen Business Barometer

Theo di so vi 1 nm trc y, nhng con s lc v lng lao ng d kin

s tng ng k, iu ny tc ng n mi quan tm ca cc nh sn xut v
ttnh trng
t g tthiu
u lao
ao ng
g lnh
ngh.
g
Trong vng 6 n 12 thng ti, anh/ch d on lc lng lao ng
ca cng ty anh/ch s thay i nh th no?
100%
80%
11
Tng ng k (5)
31
H i t
Hi
tng (4)
46
60%
Gi nguyn (3)
40%
53
30
20%
11
0%
Hi gim (2)
Gim ng k (1)
2
2
Na u 2009
Na u 2010
10

Kho st ti chnh c nhn

(Personal Finance Monitor- PFM)
11

Thit k nghin cu
N thng
Ngun
th titin s cp
Thit k
Tiu chun p vin
N=600 mi thng
Nam & N
Tp. H
Ch Minh/H Ni
18-50 tui
Phng php
Ly mu ngu nhin
Phng vn mt i mt
HIB: ABCD
Ra quyt nh ti chnh
h bn
b thn
th
cho
Ngun thng tin th cp
Tng cc
thng k
D liu Nielsen
(2006, 2008,
2009)
Kho st nh lng
& nh tnh v s
khc bit vng/min
ca
Nielsen
Ni l
Thng 6-2009
12

Vit Nam hin ang l mt th trng ti chnh ng c vi gn

100 nh cung cp dch v ti chnh.
13

Cc im ni bt
14

Cc im ni bt Khch hng
Tim nng ca th
trng
Th trng mc
tiu gm khong 4
triu khch hng.
Trong 50%
khch hng hin
nay ang s dng
dch v ngn
hng.
Duy tr s hi lng
ca khch hng
(Ngun: Nielsen database 2009)
1/2 khch hng

mc tiu vn
cha s dng
dch v NH. Trong
, khong 50%
l lao
l ng
t d
t
do
hoc c c s
kinh doanh ring.
Ai l khch hng
mc tiu?
nh s dng trong
tng lai
nh s dng th
tn dng v th ghi
n trong tng lai
cao. Tit kim
cha c
khai
thc rng .
Internet
K vng v dch
v khch hng
tng ln cng vi
pht
p
trin
s
vic s dng
nhiu dch v
ngn hng.
Ngi thnh th
tr vi t l s
dng Internet cao
nhng vn khng
ha hn cho dich
v ngn hng qua
internet.
(*): i tng t 18-50 tui thuc
tng lp kinh t ABCD sng H
Ni v TP. H Ch Minh.
Dch v ngn hng Nhn bit v s dng

S nhn bit v s dng cc dch v NH ch gii hn ti vi dich v ngn
h ttruyn
hng
thng.
th
Vi
Vic cung cp
thng
th ti
tin v
nhng
h sn
phm
h khc
kh cn
c thc hin nhiu hn.

Nhn bit
ang s dng
tng s dng
50% p
vin c ti
khon ngn
hng
hng.
Ti khon vng lai/thanh ton
100
36
Th ATM/ghi n
100
36
Tit kim ti ngn hng
99
Vay
y
99
i ngoi t
87
Chuyn tin/thanh ton trong nc
Trong
9% c c ti
khon vng
lai v ti
khon tit
kim
79
y tin kiu hi
Chuyn
54
16
Th tn dng
40
Ti khon vng lai (khng th)
36
Dch v thu kt st
Cc dch v khc
23
16
Base: Tt c p vin (n=1800) Q9a Trong nhng dch v ti chnh sau y, anh/ch nhn bit c nhng dch v no? [MA]
Q9b - Trong nhng dch v ti chnh sau y, anh/ch tng s dng nhng dch v no? (nay
khng dng na) [MA]
Q9c - Trong nhng dch v ti chnh sau y, anh/ch ang s dng nhng dch v no? [MA]
16

Mc hi lng i vi ngn hng chnh

C vi im cn phi khc phc nng cao s hi lng ca khch hng, bao
gm thi gian giao dch thun tin
tin, chng trnh khuyn mi v u i cho
khch VIP.
TOP 2 BOX Rt hi lng/ Hi hi lng
Theo vng
Theo nhm tui

B>A
Thi nhn vin (thn thin,

thin c trch nhim)
Thi gian giao dch thun tin (lm th 7/ sau gi
hnh chnh)
A>B
Th tc lm vic nhanh chng, n gin

Trnh chuyn mn v kh nng t vn ca giao
dch vin tt
B>A
Sn phm phong ph/a dng
B>A
B>A
Hnh thc giao dch thun tin (giao dch qua in

thoi/ trc tuyn/ ATM/ ti nh v.v)
B>A
Ph dch v thp v mc li sut cnh tranh
A>B
Mng li giao dch rng (nhiu chi nhnh/ATM)
B>A
Chng trnh khuyn mi hp dn

C s vt cht ti a im giao dch sch s
Dch v chm sc c bit cho khch VIP
Base: Ngi ang s dng dch v ngn hng
B>A
0
20
40
Total (n=891)
60
80
B>A
100
20
HCM (A) (n=413)
40
60
80
100
120
Under 35 yo (A) (n=530)
HN (B) (n=478)
Over 35 yo (B) (n=361)
Q17 Vui lng dng thang im sau m t mc hi

lng ca anh/ch i vi ngn hng chnh. [SA]
17

S lng ngn hng c s dng
Nhiu khch hng vn ch dng1 ngn hng, nhng iu ny ang thay i.

Trong
o g khi chuyn
c uy ngn
g hng
g tth rt
t him,vic
, c m
ti
t khon
o p
ph
a
ang
g t
tng
g
ln.
Total
(n=596)
1 Bank
Di 35
(n=344)
81
2
Banks
Trn 35
(n=252)
84
17
Tng lp AB
(n=262)
77
13
Tng lp CD
(n=334)
87
73
22
12
23
3
Banks
4
Banks
S trung
bnh 1.22
1.20
1.25
1.33
1.14
18

L do chuyn ngn hng chnh

1st
Khng tin li 45%
Khng
Kh c
chi
hi nhnh
h h gn
nh ti (30%)
2nd
Dch v khch hng t 14%
Khng nhiu ATM (8%)

S dng 1 ngn hng thi
khng tin li(5%)
Nhn vin khng nhit

tnh ((14%))
Thi nhn vin khng
vui v (9%)
Khng c nhu cu(5%)
3rd
Th tc - 9%
Th tc phc tp (9%)
4th
Khc 23%
Th ATM b ht hn (9%)
Q15 Anh/ch vui lng cho bit l do c sao anh/ch ngng s dng dch v ngn hng ca ngn hng chnh?
19

Th tn dng &
Th ghi n
20
Kho
st ti chnh c nhn 2010
Page 20
Cc im ni bt Th
iu g c th thu ht
khch hng?
S dng
L do
d khng
kh s
dng
d
Th ghi n/ ATM
23%
(~0.9 triu ngi)
nh s dng
trong tng lai
Khng c nhu cu
Kin thc
Khng tin li
Th ghi n 24%
Mng li ATM
rng hn 71%
ATM c t ti
ni an tan v tin
li 62%
S an ton ca th
52%
c cp bi ngn
hng ng tin cy
35%
Th tn dng 7%
Th tn dng
1%
(~0.04 triu ngi)
(Ngun: Nielsen database 2009)
21

Nhn bit v cc loi th

Nhn bit v c th ghi n v th tn dng trong s cc khch hng ngn
h t
hng
tng l
ln
ng k ttrong 5 nm
va
qua.
Total
2006
(n=1000)
2008
(n=1000)
91
Th ATM
Th tn dng 21
HCM
Q2 - 2010
(n=891)*
98
2006
(n=500)
100
2008
(n=500)
91
HN
Q2 - 2010
(n=413)*
2006
(n=500)
100
92
99
97
19
22
15
43
15
46
14
13
Th a nng 0
33
37
23
Th lin kt sinh vin 0
13
15
Th lin kt 0
10
13
10
10
Th tng hp 0
Khng bit th no ht
* Base: Khng chn Code 12 trong Q9c
25
100
54
24
Q2 - 2010
(n=478)*
23
Th ghi n
62
2008
(n=500)
32
35
Q36a Anh/ch nhn bit c (nhng) loi th no sau y? [MA]
L do cha s dng Th tn dng

Nhng l do chnh khin khch hng cha s dng th tn dng cng tng
t cho th ghi n (debit) nhng yu t khng
khng thun tin
tin c nh gi quan
trng hn.
1
Khng c nhu cu 59%
Kin thc 31%
Khng thun tin 13%
Cu tr li nhiu nht
Khng c nhu cu (yu t chnh)
c th ATM ri
Khng thch dng th tn dng
Cu tr li nhiu nht
Kh bit cch
Khng
h ng
k
Khng bit nhiu v dch v ny
Khng bit nhiu v chc nng tn dng
Cu tr li nhiu nht:
Khng iu kin m ti khon
Th
tc phc
tp
Khng c nhiu ca hng chp nhn

thanh ton bng th tn dng
Page 23
Q38R2: Anh/ch vui lng cho bit nhng l do khin anh/ch khng dng th tn dng?
Dch v
Cho Vay
24
Kho
st ti chnh c nhn 2010
Page 24
Nhng im ni bt Dch v Cho vay

S dng
Cc ngun cho
vay khc ngoi
ngn hng
Vay ngn hng 2%

(~0.08 triu ngi)
Vay t ngun khc 6%
(~0 2 triu ngi)
(~0.2
Yu t thc
y s dng
Li sut
(67%)
Th tc n gin
(66%)
Cho vay tn chp
(38%)
T gia nh: 66%

T bn b: 54%
T tit kim: 34%
nh s dng
trong tng lai
(Ngun: C s d liu ca Nielsen 2009)
Ti ngn hng: 11%

Ti ngun khc: 14%
25

Tit kim & u t
26

Nhng im ni bt Tit kim v u t

L do chn ngn
hng chnh
Tit kim
Tit kim ti ngun
khc 53%
% ((~ 2.1 triu
ngi)
. Tit kim ti ngn
hng 10% (~0.4 triu
ngi)
Li sut huy ng
cnh tranh 60%
Ngn hng uy tn 56%
c nhiu ngi
gii thiu 52%
Dch v khch hng
tt 50%
Ngn hng chnh
3 hnh thc u t ph
bin nht hin nay
u t vo vic kinh
doanh ca bn thn:
61%
Mua bn vng 35%
u
t vo bt
ng
sn 23%
ACB 21%
Vietcombank 14%
Agribank 14%
Sacombank 11%
Vietinbank 11%
(Ngun: C s d liu ca Nielsen 2009)
27

Tit kim ti ngun khc ngoi ngn hng

85% khch hng
g mc
tiu hin
ang
g c tit kim
cc ngun
g
khc ngn
g
hng.
Nhn bit
Bo him nhn th
100
Hin ang s dng
tng s dng
Tit kim (ti ngun khc ngn hng)
99
Vay (t ngun khc ngn hng)
95
u t (vo bt ng sn, chng khon, v.v)
91
85
23
Base: Tt c p vin (n=1800)

Q9a Anh/ch nhn bit c nhng dch v ti chnh no sau y? [MA]
Q9b Anh/ch
/c t
tng
g s d
dng
g nhng
g dc
dch v
ti
t cchnh no?
o ((nhng
g nay
ay khng
g d
dng
g na)
a) [[MA]]
Q9c Anh/ch hin ang s dng nhng dch v ti chnh no? [MA]
28

Bo him
29

Nhng im ni bt Bo him
3 cng ty bo
him
ni
nht hin nay

Prudential 54%
AIA-AIG
AIA AIG 25% (focus
(f
in HCMC)
Bao Viet 13% (tp
trung H Ni)
Nhng sn phm bo
him ph bin v
quan trng nht
Bo him nhn th
Bo him gio dc
Bo him tai nn
nh ngha
Phng ri ro 74%
Mt
hnh thc tit kim
68%
Mua bo him cho s an
ton 59%
L
do khng
g s dng
g
Khng tin tng 48%
Khng c kin thc v
bo him 43%
Dch v khch hng
km 41%
30

Nhng ngi cha

s dng dch v
ngn hng
31

Nhng ro cn?
Nhng ro cn ch yu xoay quanh vic thiu nhn thc v gi tr hay s
th n tin
thun
tin. Cng vi
i iu
i l ss min cng
c ng trong vic
ic chia s thng tin ti
chnh c nhn.
Yu cu th
chp ti sn
49%
Th tc ng
k rm r
63%
Th tc
ng k
n gin
58%
Li sut hp l
63%
Ro cn chnh
Yu t thc y
(n=909)
(n=909)
Yu cu chng
minh ti chnh
48%
Li sut cao
38%
Khng i hi
chng minh ti
chnh/ thu nhp
Ngn hng
uy tn
39%
38%
Base: Nhng ngi khng s dng dch v ngn hng

Q60 Anh/ch vui lng cho bit nhng l do khin anh/ch khng s dng ch v ngn hng?
32
Q61 Anh/ch
A h/ h vuii l
lng cho
h bi
bit nhng
h yu
t
no
c
th
h kh
khuyn
kh
khch
h vic
i s
d
dng
dch v ngn hng ca anh/ch?

Tit kim ngun khc ngoi ngn hng

Nhng khch hng tim nng ny dng nh kh hi lng vi vic tip tc
tit kim tin ti nh
nh. Vy h s dng tin vo cc hot ng no?
Total
(n=850)
HCM(A)
(n=470)
c xp hng
c xp hng
c xp hng
cao nht
cao nht
cao nht
97
98
94
98 B
97
22
Ti mua
vng v
tit kim
ti nh.
2
Ti mua
ngoi t v
tit kim
ti nh.
24 B
2
Ti tit
kim tin
ti nh
HN(B)
(n=380)
Ti mua bo
him cho bn
thn v ngi
thn phng
cc trng hp
ri ro.
Ti mua
vng v
tit kim
ti nh.
2
Ti mua
ngoi t v
tit kim
ti nh.
94
13
2
Ti tit
kim tin
ti nh
Ti mua bo
him cho bn
thn v ngi
thn phng
cc trng hp
ri ro.
Ti mua
vng v
tit kim
ti nh.
2
Ti mua
ngoi t v
tit kim
ti nh.
1
Ti tit
kim tin
ti nh
Ti mua bo
him cho bn
thn v ngi
thn phng
cc trng hp
ri ro.
Base: Nhng ai khng s dng dch v ngn hng v c tit kim ti nh?
33
Q62 Anh/ch
A h/ h vuii l
lng xp
h
hng cc
h
hnh
h th
thc
u tt m
anh/ch
h/ h
thch? (3 hnh thc c yu thch nht)

Lao ng t do v ch doanh nghip

T l s dng dch v ngn hng trong nhm ny thp hn rt nhiu so vi
t l ca ton b khch hng mc tiu.
tiu
Lao ng t do & ch DN
Ton b khch hng mc tiu

Dich v
Ngn hng
Total
(n=1800)
(n
1800)
S dng (A) Khng s dng (B)Total

(n 891)
(n=891)
(n=909)
(n
909)
(n=663)
(n
663)
S dng (A) Khng s dng (B)

(n 240)
(n=240)
(n=423)
(n
423)
Ti khon vng lai/thanh ton
36
77
20
58
Th ATM/th ghi n
36
75
19
56
Th tn dng 1
Tit kim ti ngn hng 16
34
14
0
41
Vay ngn hng 4
11
i ngoi t 3
10
12
Chuyn
y tin kiu hi 1
u t 6
Vay (t ngun khc ngn hng) 9
12 A
11
13
Chuyn tin/thanh ton tin trong nc 5
Dch v khc
Tit kim (ti ngun khc ngn hng)

Bo him nhn th 7
Base: Lao ng t do v ch doanh nghip (n=663)
85
74
9 B
95
4
88
A
8
76
9
95
7
Cc knh giao dch
35

Knh giao dch Total

T l thc hin giao dch ti chi nhnh ngn hng vn cao p ng hu
ht
yu cu
n gin khch hng. Vic s dng th ATM
thc hin nhng
giao dch n gin tng nhanh chng khi khch hng ngy cng nhn thc
c li ch ca n, y cng l mt d bo tt cho nhng knh giao dch
mi.
i
Knh giao dch
Quy giao dch
83
My ATM
77
Base: Tt c p vin
Mc s dng
4
36
S trung bnh
42
50
0.18 ln/tun
16
37
Everyday
Every other day
Once a week
2-3 times a month
Once a month
Once every 2-3 months
Less than once every 3 months
Q26a Anh/ch thc hin cc giao dch rt tin/gi tin/chuyn tin/thanh tan
tin bng nhng phng thc no trong vng 6 thng qua? [MA]
0.50 ln/tun
36
Q26b Vui lng cho bit

mc thng xuyn anh/ch thc hin cc giao dch i
vi tng phng thc? [SA]

T l s dng Internet ti Vit Nam cao hn nhiu nc

lng ging trong khu vc ng Nam v vn ang pht
t i mt
trin
t cch
h
ng k
k.
63
T l truy
tr cp Internet (% dn s)
50
40
30
22
20
10
24
15
7
0
n
Philippines Trung Quc Vit Nam
Malaysia
Ngun: Nielsen Omnibus Thng 8/2008 - Generation V Study

Nielsen Vietnam Mobile Insights Thng 3/2009
37

T l s dng Internet khu vc thnh th v trong s nhng ngi di 30

tui rt cao. Khong 50% trong s ny truy cp Internet t nht 1 ln mi
ngy.
g y
T l truy cp Internet (% dn s)
80
73
70
63
60
50
45
40
30
24
22
20
10
21
15
7
0
n
Philippines Trung Quc
Vit Nam
Malaysia
HCM &
H Ni
18-30 tui
31-40 tui
41-50 tui
Ngun: Nielsen Omnibus Thng 8/ 2008
38
Q38: S dng Internet trong vng 12 thng quan

Mc d vy, knh giao dch trc tuyn vn ch chim 1%

trong s khch hng.
Gi tng i
Giao dch qua

ttin nhn
Giao dch trc

tuyn
tuy
Giao dch ti quy
Giao dch ti my
ATM
n=890
n=891
n=889
n=181
n=185
Nhn bit (54%)
Nhn bit (52%)
Nhn bit (52%)
- Thiu nhn bit v

knh giao dch ny
(37%)
- Thiu
u nhn
b
bit
t v
knh giao dch ny

(36%)
- Thiu nhn bit v

knh giao dch ny
(32%)
- Khng bit cch s

dng knh giao dch
ny (9%)
- Khng bit cch s

dng knh giao dch
ny (11%)
- Khng bit cch s

dng knh giao dch
nyy ((15%))
An ton (32%)
An ton (28%)
- I dont feel secured

(25%)
- Ti khng cm thy an
ton (21%)
Khng thun tin

(11%)
Khng thun tin

(11%)
- Thiu s tin tng

(5%)
Khng c nhu cu
(5%)
Khng c nhu cu
(5%)
Khc (13%)
Khc (6%)
Khc ((4%))
An ton (32%)
- Ti khng cm thy an
ton (27%)
Base: Tt c p vin
- Ti khng bit nhiu v

Internet (6%)
Khng c nhu cu
(82%)
Khng c nhu cu
(80%)
Khng thun tin

(18%)
- Ti khng dng th
ATM(46%)
- Mt thi gian (10%)
- Khng c nhu cu
(34%)
A ton
An
t (13%)
- Ti khng cm thy an
ton (7%)
- S mt tin (5%)
Khng thun tin
(10%)
- Thc hin giao dch
khng thun tin (6%)
Q28 Anh/ch vui lng cho bit l do v sao anh/ch

khng
Page
39 thc hin giao dch thng qua phng
Personal Finance Monitor 2010
thc_____ (C TN PHNG THC GIAO DCH TRONG Q27)?
Nu bn bit h l ai, h dnh thi gian vo nhng vic g v

mc thng xuyn h dnh thi gian vo nhng vic ,
b c
bn
th cung cp
thng
th ti
tin v
xy
d
dng s ti
tin ttng?
?
HCMC
(n=309)
Hanoi
(n=427)
Di 35
(n=584)
Trn 35
(n=152)
vnexpress.net
64%
dantri.com.vn
73%
vnexpress.net
60%
vnexpress.net
62%
24h.com.vn
49%
24h.com.vn
63%
24h.com.vn
57%
tuoitre.com.vn
44%
tuoitre.com.vn
48%
vnexpress.net
50%
dantri.com.vn
38%
24h.com.vn
41%
Base: Nhng ai chn code 4 trong Q71a

Q76 Anh/ch vui lng cho bit 3 trang web m anh/ch truy cp
thng xuyn nht trong 7 ngy va qua? [MA]
40

Tm tt Th trng Vit Nam ang nng dn ln!

Cng tc truyn thng & gio dc Khng nn nh gi thp s thiu
hiu v cc sn phm/dch v ngn hng ca nhiu khch hng. Truyn
thng v gio dc s l mt phn thit yu trong vic xy dng mi quan h
vi nhng nhm khch hng cha c khai thc .
Nhm khch hng

g tr Vit Nam c dn s ng
g v nhiu tui tr.
Cc du hiu trn tt c cc lnh vc cho thy gii tr d dng tip cn ti
cc sn phm/dch v mi v h cng ngy cng tr nn ci m hn trong
vic dng th nhng dch v/sn phm .
Cc hot ng & knh truyn thng thng hiu ha hn nht th gii
phi c h tr bng cc hot ng truyn thng. Hy mnh dn vi knh
truyn
thng ca bn. Hu
ht
50% cc nh lnh o kinh doanh ti Vit
Nam cho rng, s c mt s gia tng chi tiu ng k vo Internet
internet tr thnh knh truyn thng hiu qu trong nm nay.
41

Cu hi?
42
Personal
Finance
Monitor
Kho
st ti
chnh c
nhn 2010

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Kho

Kho st ti chnh c nhn 2010

Kho st ti chnh c nhn 2010

43.1 triu (49.5%)

Mc tng trng GDP

Mc tng trng tin lng

Kho st ti chnh c nhn 2010

Dn s tr ng ngha vi sc mua s c tng ln v tham gia

General Economy: Population

Kho st ti chnh c nhn 2010

Lc lng lao ng ny s ng gp thm cho tng sn phm ni a

Lc lng lao ng (000 ngi)

GDP tnh trn u ngi

Lc lng lao ng ('000 ngi)

Ngun: Tng cc thng k (www

Kho st ti chnh c nhn 2010

Kho st ti chnh c nhn 2010

Ch s lc quan ca ngi tiu dng ti Vit Nam li tip tc tng mnh

Base : Tt c p vin (n=26995)

Kho st ti chnh c nhn 2010

Quan im ca lnh o cng ty

Kho st ti chnh c nhn 2010

Anh/ch vui lng cho bit tc tng trng ca cng

Ngun: Nielsen Business Barometer

Kho st ti chnh c nhn 2010

Theo di so vi 1 nm trc y, nhng con s lc v lng lao ng d kin

Kho st ti chnh c nhn 2010

Kho st ti chnh c nhn

Kho st ti chnh c nhn 2010

Tiu chun p vin

Kho st ti chnh c nhn 2010

Vit Nam hin ang l mt th trng ti chnh ng c vi gn

Kho st ti chnh c nhn 2010

Kho st ti chnh c nhn 2010

(Ngun: Nielsen database 2009)

1/2 khch hng

Dch v ngn hng Nhn bit v s dng

c thc hin nhiu hn.

Ti khon vng lai/thanh ton

Tit kim ti ngn hng

Chuyn tin/thanh ton trong nc

Ti khon vng lai (khng th)

Kho st ti chnh c nhn 2010

Mc hi lng i vi ngn hng chnh

Theo nhm tui

Thi nhn vin (thn thin,

Th tc lm vic nhanh chng, n gin

Sn phm phong ph/a dng

Hnh thc giao dch thun tin (giao dch qua in

Ph dch v thp v mc li sut cnh tranh

Mng li giao dch rng (nhiu chi nhnh/ATM)

Chng trnh khuyn mi hp dn

HCM (A) (n=413)

Under 35 yo (A) (n=530)

Over 35 yo (B) (n=361)

Q17 Vui lng dng thang im sau m t mc hi

Kho st ti chnh c nhn 2010

S lng ngn hng c s dng

Nhiu khch hng vn ch dng1 ngn hng, nhng iu ny ang thay i.

Kho st ti chnh c nhn 2010

L do chuyn ngn hng chnh

Khng tin li 45%

Dch v khch hng t 14%