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................................... 3 Self assessment: ....................................................... 5 Conclusion: ............................................................... 6 Referencing: ............................................................. 7
. new service mode and quality. security loan… However with the advantage of technology. Guarantee Services. With the advantage of technology foundation supported by FPT corporation. business loan. So now. Keith. Specify. Setup sale plan for each period. Payment and Remittance Services. has cooperated with BIDV and City bank for full development strategy. TienPhongBank’s strategy is to exploit technological applications to create an integrated network to bring diverse and convenient services to the majority of Vietnamese. As other Banks at Vietnam. I am Nguyen Sy Hung BCOM student. TienPhong bank has an effective ebanking system that will provide for customer so much convenience such as: internet banking. E-savings. With customers who are corporations .Introduction: Dear teachers at Raffles college Hanoi. finding customer. advanced operation and management models to actively contribute to the development of the domestic banking sector. information technologies and technological solutions in the banking sector to bring about new financial solutions. card. term deposit account. Until now. with personal customer Tienphong bank accept saving money of customers in form of deposit account. mobile banking. advice and provide bank’s product to customers. TienPhong bank offer many service like Account Services & Corporate Cards. Company profile: TienPhong Bank is private bank at Vietnam founded by FPT.And with loan service TienPhong bank has car loan. At Jun-2010 Tienphong bank started go in operation. The main mission of this department is build up relationship with customers. Hai Phong. home mortgage loan. Cash Management. In September 2011 term I have stated internship for Degree program at Tienphong bank. after finished week 13 of internship period. My internship time took 13 weeks from 3/10/2011 to 23 /12 /2011 with my supervisor at Raffles College is Mr. TienPhong Banks offer finance products to personal customer as well as corporate customer. At the end of 2010. Ho Chi Minh city. adopt customer’s document and transfer them to other . Can Tho. TienPhongBank has inherited the best in information technology. An Thinh saving. and Vinare. Business department description: I was adopted work for internship in business department at Tienphong bank Thanglong branch. I have started my internship report which describer all work I did at Tienphong bank as well as the experience and skill I acquired. the charter capital of Tienphong bank is up to 3. Da Nang. Tienphong bank become public company and have many branch at Hanoi. VMS (MobiFone).000 billions VND. analysis and indentify all customer’s information. TienPhongBank aims to be the leader in application of telecommunication. Loans.
I also read information about products and service of Tienphong offer to customers such as with personal customer is lending regulations include mortgage lend. Beside I also viewed processing of discounting valuable papers. Other 9 staffs take different duty such as product consultant. which talk about historical of company. partnership with other business. So I can see what information about company during time it started operation until now. service of Tienphong bank. evaluate guarantee asset. My supporter have showed what critical to look at a company should be a customer of Tienphong bank and lending money for them to running business. product. Hence I . purchasing house & real estate.. check guarantee asset before and after the loan is approved periodically to avoid risk for bank. Internship description: At the first two weeks I spend time to read all document and form related to working process of TienPhong bank. I had read the regulation of managing credit risk. guarantee assets. It includes the rules and regulations apply for Tienphong bank’s activity as well as Bank’s finance product. he has duty guide and support me during internship time. In particular. I also is supported by Tienphong bank’s staff to give me the real document of companies who are existing customers of Tienphong bank. these are regulations lending for investing security. credit lend apply to different purposes like mortgage lend for purchasing car.authorize department. Dao Thai Ha deputy manager of business apartment. discounting letter of credit…To get for more detail about personal customer and corporation customer. So I acquired experience to assess a company to see how good is business by looking at its annual finance report. certification and skill of employees. so the risk assessment on this process also be read in detail by me. he also appointed me follow other staffs to go out to meet customer. credit lend for purchasing good and so on. business plans. solving the bad debt. and disbursement steps. in which there are one chief manager and one deputy manager. Include process of classify debts. facilities. he has shown me the documents of company. At the same time. Besides reading related documents. Business department has 11 peoples. That are demand of credit document from companies.. this department also has responsibility in verifying the purpose of using the loan by customers. economy environment to consider that business has necessary critical to be funded by Tienphong bank. specialization it does. Besides that. managing dept and collect debt at Tienphong bank. legal. distributors…Beside. finance sponsored. collecting debts. leadership and the purpose of using loan for business plans…this document will be presented to Tiepnphong bank to consider it before decide funding money for that company. finding customer… My supervisor is Mr. strengthen and weakness of company. processing of assess business include assets. lend for consumptions. and have actual survey business and checking guarantee asset. economic environment. leading & managing ability of leadership. human resource. lending for suppliers. the necessary file and papers involve to regulation. About business customer. study abroad. In particular.
So their mortgage is a apartments where they are living in Thanh Xuan district. Actually the checking car conditions normally is tasked by a staff who have knowledge about car and motorbikes. In addition. All the information we collected to verify customers mortgage asset and their solvency will be very useful to minimum the risk for Tienphong bank when the loan is approved. The new car must be had insurance until the loan is totally pay. the reasonable of loan options. gas and electricity? How much can he afford to pay every month?.000vnd to sponsor their son study abroad. Through those statements. and me and bank staff need to check the condition of the mortgage cars quarterly and ensure still belong to owner who demand for this loan. So I went with him to checking some mortgage cars. buying house. the we can evaluate the value of the car from that give out some calculations for customer’s loan. So the most importance critical is the ability of payback loan base on the stable annual income of customers and their mortgage assets. Some kind of mortgage asset need to be evaluated every quarter such as the loan purchasing car. We go around and observing the actual area of apartment to see the authenticity with house papers related. the legal of documents. so Tienphong bank’s staff need to go directly to this apartment and have a meeting with the owner is also credit demander. so some regulation apply for this type of loan. in this period I almost follow and observe Tienphong bank’s staff working with customer. These are some experience I acquired from the work: With personal customer: evaluate the mortgage asset of customer with the loan 500. but I just observe its appearance to ensure its new and no damage.. actually this time I had better understanding so I can apply theory into the real work. So the staff need to evaluate the income monthly of customers.000. From that we can evaluate apart of customer’s solvency. their assets can be mortgaged. . I have acquired an overview of processing when consider a private customer who want to lend money from bank for each specific purpose. and we also observe the interior in apartment luxury or simply to know the life condition of customers. beside we also interview customer like Who earns the main income of this family? How much does the husband and wife earn per month? How much do they spend for this family in terms of children school fees.. and more understanding about company who are running business at Viet Nam. I also viewed the statement evaluation mortgage loan of private customer were evaluated by Tienphong bank staffs with purpose purchasing car. the ability of pay the principle back to bank…And then those statements will be approved or not by director of Thanglong branch. I initial the period of going with staffs out to meet customers and have actual survey customer’s mortgage asset…In fact. life expenses such as water.have more actual knowledge. when the mortgage asset is also that new car. In one month reading documents before. After first month since I has started internship.
government’s regulations… Beside. checking quality and quantity and then we need to evaluate market price and its value.000 VND for purpose purchase new facilities. and viewing real files. The main aim is to ensure the business are running legally and will not have trouble with government. Self assessment: During internship time. have actual evaluate assets help me improve a lot of personal skill. and expand factory. all equipments in good conditions and worker have full attendance. By reading and assess a business plan and information of a company to decide we should or should not approve the loan for this business. That information will be useful for bank estimate the value of guarantee assets in the future. going down with Tienphong bank staff to meet customer. I acquired a lot of knowledge and theory about banking system.000. the loan still in waiting process to be approved. By reading documents about rule and regulations of Tienphong bank as well as its service and products. information related to customer. special is about Tienphong bank. their mortgage assets is existing facilities in factory and guarantee product is 30 tones of electric cable in stock. If overall Thienphu status is good. In addition. I learned a lot of experience and skill in this work because my manager showed me what importance critical when consider a business customer to see are they profitable for bank. The inventory of company is stored in good condition. license of running business or other disputation involve. report. meeting customer and interview them can help me better communication skill with customer. factory give me actual skill when I get a task going out to survey customer.Ltd which have the loan 30. At the same time. the location of existing factory and the place company plan to expand. my manage also interview some authorize people at province where the company located to know does Thienphu have any problems with province and people live around in term of environment. During internship. Particularly. In that an experience I can see like what kind of business Tiepphong prefer funding. Those actual knowledge will be very useful for me when I graduated and start a job in a VietNam’s bank. though observing Tienphong bank staff evaluate the guarantee asset of customer. so what knowledge I acquired at Tienphong bank is really suitable for environment of Vietnam banks due to different economic. With business customer: Evaluate asset and the profitability of business plan is importance with bank to approve the loan. it will be advantage step to help company’s loan is approved. business are running well. Thienphu company works on producing electric cable. I have gone to a factory of Thienphu Company. Such as at the . In fact the theory I was taught at school is not totally reflex the real status at Vietnam market. So me and my manager at sale department have to go and survey Thienphu’s factory and inventory to collect some information to ensure: The business are working well. checking business.000. I could get better understanding about how bank system in Vietnam work and the interaction between customers and bank.
experience I learned. I also get supported from other staffs in business department. economic environment and government’s regulations.moment due to the recession of real estate at Vietnam and other Asia countries. regulation in Tienphong bank. problem solving skills and acquire professional working style in office to achieve the task quickly and effectively. I also acquired pro working style in office through the just simple tasks such as classify document. In term of skill. I have improved many personal skills such as self working. That knowledge wasn’t taught at school or not fully completed due to different countries. Moreover. because I can get familiarize with working environment in bank which in that I was trained necessary skill as well as knowledge like a real bank staff. So Tienphong bank is very careful when consider lending money for companies which involve to real estate market such as construction companies…And now. Actually. communication. Through observing and hearing staffs talk with customer via phone or directly to introduce products or convince them using Tienphong bank service. Besides that. they also can explain clearly and easy to understand all procedures. it relates directly to works at bank so I can feel it is really necessary for me if I work in a Vietnam bank in future. So me and other students can start working in a real job at banks or any other company without surprising. service at Vietnam. I can learn more deeply about bank systems as well as banks product. I certainly sure that it can help other subsequent students at Raffles can improve themselves. the behavior express to them in each specials case to get the best effective result. I can acquired better skill communicate with customer. in contrast can perform the work confidently and successfully. scanning. with my internship program at Tienphong bank. base on knowledge. I can evaluate by myself a document of a business and can know a somewhat should the bank lend money for that business with minimum risk. lead to price of apartments go down and unpredictable. In term of knowledge and experience by this internship. . Moreover. data entry… to support for staffs during internship time. Conclusion: I think this internship period is very useful and significant with me. Hence I can be comprehensive and feel that can easy to integrate into working environment at Tienphong bank. equip for them personal skill as well as experience. they were enthusiastic answer all my query about bank system.
vn/vn/gioi-thieu/nhung-dieu-can-biet-ve-tienphongbank/ .Referencing: Introduction of Tienphong bank http://tpb.