Danh gia hieu qua
hoat dong ngan hang ban le cua Ngan hang Thu'Ong mai
Co phan Ngoai Thu'Ong Viet Nam khu vu'c Tay Nam Bo
* LE THI THU D I E M ' TO NGOC BJNH"
DOAN MGaviiN LAM PHCTCfNG"' Torn tat
Bdi vidt nghien cffu ve hieu qua hoat dong cHa Ngdn hdng Thuong mai Co phdn (TMCP) Ngoai Thuang Viet Nam (VCB) tai khu vffe Tdy Nam Bo (TNB). Bdng phuang phdp thdng ke mo td vd phdn tich udc luang DEA. nghien cffu da do ludng hieu qud hoat ddng ngdn hdng bdn le cho 15 chi nhdnh VCB tai TNB trong giai doan 2015-2018. Ket qud ddnh gid cho thdy.
hieu qud bdn le cua cdc chi nhdnh VCB khu vuc TNB irung binh dat mffc 52.5% trong giai doan 2015-2018.
Tuf khoa: Tdy Nam Bo, Vietcombank. ngdn hdng bdn le Summary
This paper studies the efficiency of VCB branches in the Mekong Delta. Descriptive statistics and DEA estimation analysis are employed to measure efficiency o retail banking services supplied by 15 VCB branches in the Mekong Delta over the period 20! 5-2018. The results show that the aforementioned efficiency registered an average of 52.5% over the period 2015-2018.
Keywords: Mekong Delta, Vietcombank, retail banking
Gl6l THIEU
Vdi muc tieu U-6 thanh ngan hang ban le (NHBL) sd 1 Viet Nam. VCB trong nhffng nam gan day da va dang no Iffc phat trien dich vu nay, trong do khu vffe TNB dffdc danh gia la mot thi trffdng ban le ldn vdi ty Id dan so' ddng chie'm 20%
long dan sd ca nffdc (GSO, 2018). Tuy nhien, theo cac bao cao danh gia boat dpng kinh doanh trong nam 2018, mang Iffdi chl nhanh cua VCB tai TNB chid'm 15% trdn ca nffdc, nhffng chi ddng gdp dffdc 4% doanh thu tff khu vffe ban le trong loan he thd'ng (Vietcombank, 2018).
Hoat ddng NHBL cua cac chi nhanh khu vffe TNB cung cho tha'y, co nhieu dafu hieu suy giam (Vietcombank, 2018).
Thi phan vd'n huy ddng tit dan cff cua VCB nam 2018 chi chie'm cd 12% thiphanhuy ddng tien VND va 38%
thi phan huy ddng ngoai le trong loan nganh ngan hang. Cac san pham huy ddng vd'n con kha ddn didu, chffa theo kip vdi thi trffdng, chffa dap ffng nhu cau da dang cua khach hang. Rd rang, tiem nang ve thi trffdng ban le d khu vffe nay vSn chffa thffc sff dffdc khai thac mot each hieu qua.
Them vao dd, ve mat hpc thuat, hau he't cac nghidn cffu ve ITnh vffe hidu qua hoat ddng ngan hang chu ye'u dffdc lim th&'y nhieu d ca'p dp to chffc, trong khi do nghien cffu d ca'p dp chi nhanh, thi hau nhff ra't it.
Nhff v|y, xet ca ve mat thffc tidn va nghien cffu hpc thuat diu cho thay sff can thie't cd nhffng nghien cffu sau ve hieu qua boat dpng ban le cua cac chi nhanh VCB khu vffe TNB. Tff do, cd nhffng de xua't chinh sach nang cao hieu qua mang hoat ddng kinh doanh nay va gop phan lam nang cao hieu qua boat ddng
'Trudng Dai hoc Tra Vinh
•'OBND huyen CSu Ngang, tinh Tra Vinh
'•'Ngan hang Thadng mai Co phan Ngoai Thifdng Viet Nam
Ngay nhdn bdi: 27/11/2019; Ngdy phdn bien: 10/12/2019; Ngdy duyet ddng: 1^/12/2019
BANG 1: DAIHH SACH CAC BIEN DAC VAO vA DAG RA CUA MO HINH DEA Bie'n dSu r a
Tdng dif od ban le;
Tdng huy dong von ban le;
Thu nhap lai diuan til hoat dong ban le;
Thunhap ngoai lai.
Bi^n d i u vao So lu'dng nhan vien, Chl phi lao dgng;
Chl phi phi lai;
Tong chi phi hoai dong cung cap dich v Ngu6n Tac gja l o n g hdp
B A N G 2: T H t f C T R ^ N G HGY DQNG V O N B A N LE C U A C A C CHI N H A N H VCB KHG V d c TNB (TINH TONG T O A N KHU V d C ) Q U A C A C N A M
Tdng HDV (ty ddng) Tang trirdng tong HDV (%) Tdng HDV ban le (ty ddng) Tang trifdng tdng HDV bin le (%) Ty trong HDV ban le/Tong HDV (%) Trong do:
Ty trong HDV ci nhan (%) Ty trong HDV SMEs (%) Ty trong HDV doanh nghiep (%)
2015 1.478,9
677,2
45.9
36.(1 9,3 54,1
2016 1 747,4
29,0 912,9 48,1 52,1
40,0 12,1 47,9
2017 2.264,1
30.9 1 373,1
50,7 59,5
41,8 17,7 40,5
2018 2.670.1
18,2 1.818,4 32,2 65,8
47,4 18,4 34,2
2015-201S 8 160,5
21,8 4.781,5 39,0 58,6
42,3 16,3 41,4 Nguon Bao cao ket qua hoat dong kmh doanh cac chi nhanh
ttong giai doan 2 0 1 5 - 2 0 1 8
chung Clia cac chi nhanh hay hieu qua cua loan he thong ngan hang VCB.
CO S6 LY THUYET VA PHl/ONG PHAP NGHIEN CLfU
Cd sd ly thuye't
Theo To chffc Thffdng mai Thd' gidi (WTO),
"NHBL la ndi ma khach hang ca nhdn cd the de'n giao dich tai cac chi nhanh, phdng giao dich cua cac ngan hang de thffc hidn cac dich vu, nhff: lien gffi tid't kiem va tai khoan, the'cha'p vay vo'n, djch vu the va mdt sd' dich vu khac di kem...". Mdt so' chuydn gia khac lai nhin nhan, dich vu NHBL tren phffcfng didn nha cung cap dich vu vdi khau phan phd'i giff vai trd quye't dmh.
Tff dien giai nghTa Tai chinh - Dau tff - Ngan hang - Kd' toan Anh - Viet, Nha xua't ban Khoa hoc va kinh Id' nam 1999 djnh nghTa, dich vu NHBL la cac dich vu ngan hang dffdc thffc hien vdi khach hang la cdng chung, thffdng co quy md nho va thdng qua cac chi nhanh'nham dd'i lap vdi dich vu ngan hang ban budn la dich vu ngan hang danh cho cac dinh che' tai chinh va nhffng dich vu ngSn hang dffdc cung cap vdi sd Iffdng ldn (Nguydn Ngoc Bich, Nguydn Bffc Duy, 1999).
Nhff vay, co the hieu ddn gian dich vy NHBL la dich vu ngan hang cung ffng cac san pham dich vu tai chinh tdi tffng ca nhan rieng le, cac doanh nghiep nho va viia (SME) thdng qua mang Iffdi chi nhanh, hoac viec khach hang cd the' tie'p can trffc tiep vd.
san pham dich vu ngan hang thdng qua phffdng tidn thdng tin, didn tff vidn ihdng va cdng nghe thdng tin.
Phtfdng phap nghidn cii'u Su- dung ky thuat phan lich mang bao dff lieu (Data Envelopment Analysis - DEA) de' do Iffdng hidu qua cua boat ddng NHBL cho 15 chi nhanh trong giai doan 2015-2018. Day la phffdng phap tie'p c£ln ffdc Iffcfng bien, vdi S ^^^"f chinh la xay dffng mat bao loi hieu qua phi tham sd', sao cho cac did'm quan sat dffdc se khdng nam cao hdn dffdng gidi ban hieu qua san xua't. Cdc bie'n dau ra - dau vao dff kid'n trong md hinh DEA dffcfc the hien theo Bang 1.
Them vac dd, vide phan nhom hang chl nhanh cQng dffdc dffa vao nghien effu bang each sff dung diem sd' hidu qua ky thuat lam tidu chi xd'p hang. Tff 0,8- 1 la hang A, nhdm nay bao gom nhffng chi nhanh cd hieu qua ky thuat cao. Tff 0,5-0,8 la hang B, bao gom nhffng chi nhanh thudc loai kha va hoat ddng tffdng dd'i hieu qua, cd kha nang tang trffdng nhanh. Cuo'i cimg la cac chi nhanh hang C, vdi diem hidu qua ky thuat tff 0-0,5, bao gom cac chi nhanh cd hieu qua ky thuat thuoc loai trung binh va kem.
Tidu chi xd'p hang chi la mot thang do diem tffdng dd'i do nghidn cffu Iff de xua't de goi ten va xd'p hang cac chi nhanh trong nghien cffu nay. Vide phan hang tffng nhdm chi nhanh cd y nghTa quan trong dd'i vdi cac nha quan ly dffdi gdc do quan tn, giup hg xac dinh dffdc chi nhanh ho dang di^u hanh co thffc sff hoat ddng hieu qua khong. Tff dd, cd nhffng hanh ddng cu the' de cai thidn hidu qua boat ddng chi nhanh.
KET QUA NGHIEN CL/U
Thrfe trang hoat ddng ban le cua cac chi nhanh VCB khu vu'c TNB
HoQt dQng huy dQng vdn bdn lis Hoat ddng huy ddng vd'n ban le ciia cac chi nhanh VCB toan khu vuc TNB trong giai doan 2015-2018 cd nhieu da'u hieu tich cffc ca ve mat cha't va lifcfns Td'ng mffc huy ddng vd'n ban Id cua loan khu vffe TNB trong giai doan 2015 2018 la 4.781,5 ty dong, chie'm 58 6%
tdng huy ddng vd'n loan khu vuc, mu'c tang trffdng binh quan dat 39%/naj^
Tuy nhien, bie'n ddng tang trudng laJ cho thay, co sff khdng d'n dir-ih v^^mffc tang trffdng nay, khi ma na -• |,-
10
trffdng huy ddng vd'n hin le to^n khu vffe dat 50,7% tang gdn 3 diem phan trkm, trong khi de'n nam 2018 mffc tang trffdng nay chi khiem td'n 6 mu'c 32,2%
(Bang 2).
Ve dd'i tffdng huy ddng, VCB hien van thudc cac ngan hang cd ty trong huy ddng vd'n ldn tff khdch hang la doanh nghidp, nhd tan dung ldi the' v l md'i quan he lau ben vdi nhilu doanh nghidp ldn CO Iffcfng tien mat doi dao. Ty trpng khach hang SME tang ty trong dang kd', khi tang tff 9,3% nam 2015 len 18,4%
nam 2018.
Tuy nhien, qua cdc nam, khu vffe nay dang thffc hien ra't td't chie'n Iffdc cd ca'u lai nguon vd'n huy dpng theo cac phan khuc khach hang, khai thac tot dffpc tiem nang vi ldi thd' d thi trffdng huy ddng khdch hang, cung nhff ngu6n vd'n gia re. Ke't qua, ty trpng ban le tang dan, trong khi ty trpng ban budn dang cd xu hffdng suy giam.
Hoat dQng tin diing bdn le Co cdu tin dung co sff chuyen dich rd ret tff ban budn sang ban le. Hen tuc trong nhffng nam qua, d hau he't cdc chi nhanh cua khu vffe. Dff np bdn le cua cac chi nhanh trong khu vffe lien tuc tang qua cac nam vdi mffc tang trffdng cao hdn tang trffdng cua tdng dff nd. Ty trpng dff nd ban le cung lidn tuc tang, dat con so'trung binh 53,8% trong cd ca'u tdng dff nd cua cdc chi nhanh (Bang 3).
Chdi luang cho vay bdn le ludn dffdc kiem sodt chat che. Cac chi nhanh VCB luon chu trffdng lffa chpn cho vay dd'i vdi nhffng khach hang cd tinh hinh tai ehinh id't, nganh nghe dn dinh, tai san dam bao day dil. Ty le nd xa'u nam 2015 la 0,10%
va gifl dn dinh d mffc 0,09% nhffng nam sau do. Co the thay, hau hd't cdc chi nhanh da cd gang dn dinh chat Iffdng tin dung ngan hang nhffng nam qua (Bang 4).
Hoat dpng kinh doanh cac dich vu Idiac Ve'dich vu the: Giai doan 2015-2018, dich vu the cua cac chi nhdnh VCB khu vffe TNB tang trffdng td't, so' Iffdng the phat hanh lien tuc tang qua cac nam.
Nam 2015 sd Iffcfng the ATM phat hanh mdi dat 1,2 trieu the, de'n nam 2018 con sd'nay tang len gan 2 lan vdi 2,1 trieu the nffa.
Ve dich vu thanh todn: Dich vu thanh loan giai doan 2015-2018 co sff tang trffdng manh ca ve doanh thu (thu tff phi dich vu) lan sd' Iffdng tai khoan va so' Iffdng giao dich. Sd' Iffdng tai khoan ca
BANG 3: TINH HINH Dll n0 TIN DUNG CGA CAC CHI NHANH VCB KHU V^C TNB - TOAN BQ KHG VtTC
Tfing dif ncf (ty dong) Tang (ru'fing tdng diT nc( (%) Tong dif nd ban le (ty dong) Tang Irifcingtong dif ncf banle (%) Ty trong DN bdn le/Tong DN (%) Trong tong di^ at}:
Cho vay KH cd nhdn Cho vay SMEs Cho vay doanh nghiep ldn Trong tong DN ban le:
Phdn theo ky hon Dif nti ngSn han (%) Du'nt(daihan(%) Phdn theo tien te Difncfvnd(%) Difnd ngoai te {%)
2015 3 066,0
1.461,3
47,7
11,2 38.8 50.0
50,5 49,5
79,1 20,9
2016 3.362,8
9,7 1.556,3 6,5 46,3
15.8 32,9 51,3
46,3 53,7
79,7 20,3
2017 3 657,8
8,8 1.773,7 14,0 48,5
15.8 35.9 48.4
44.1 55,9
82,7 17,3
2018 4.462,0
22,0 2.399,2 35,3 53,8
20.3 34,5 45,2
40,6 59,4
87,6 12,4
2015-2018 10,086,7 13.3 4.791,3 18,0 47.5
14.4 33.1 52.5
45.0 55,0
82,7 17,3
B A N G 4 : TY LE n0 C A C N H O M V A TY LE NO X A U C U A C A C CHI N H A N H \ KHG V ^ C T N B
Dm V Chl ti6u
Ty le ntf nhom 1 Ty le nrt nhom 2 Ty IC- n^ nhom 3 Ty 1? niJ nhom 4 vu 5 Ty le no xa'u
2015 42,3 57,6 0,044 0,052 0,10
2016 46,0 53,9 0,043 0,052 0,09
2017 47,1 52,8 0,043 0,050 0,09
2018 30,5 49,3 0,047 0,047 0,09
2015-2018 46,5 53.4 0,044 0.050 0,09 h g u o n Bao cao ke't qua hoat dong kinh doanh cac chi r
trong giai doan 2015
nhan ma khach hang md tai cac chi nhanh VCB tang qua cac nam vdi raifc tang trirdng binh qiian 48,1%/
nam. So litdng giao djch thanh loan, chuyen tien de'n nam 2018 dat 13,7 tneu giao d|ch,_tK0ng difong vdi doanh so giao dich dat 610.5 ty dong, tang gap 1,7 lan so vdi nam 2015. Doanh thu phi dich vu tit cac hoat dgng thanh loan, chuyen tien cd sU tang trirdng manh me ddng gdp ldn vao thu nhSp ttf hoat dong kinh doanh NHBL. Nam 2015, doanh thu nay chi dat 85,1 ty dong, den nam 2018 con s5' nay da dat tdi 148 ty dong, tang binh quan 20,5%/nam.
Dm vdl dich vti kiiu hoi: Stfgia tang ve so' Itfdng giao dich, lucmg kieu hoi chuyen ve va mtfc phi thu dtfdc tir hoat dpng nay gdp phan khang dinh vi the va tiem nang phat trien cua cac chi nhanh VCB trong
2018
BANG 5: HIEG QGA KY THUAT TE CUA CAC CHI HHANH QGA CAC NAM TRONG GlAl DOAN 2015-2018 Nam
An Giang Bac Lieu Ben Tre Ca Mau Can Tha Chau Doc Dong Thiip Kien Giang Long An Phu Quoc Soc Trang Tien Giang Tra Noc Tra Vinh Vmh Long Khu vu-c TNB
2015 0,496 0,093 0,002 0,269 1,000 0,227 0,476 1,000 1,000 0,021 0,254 0,301 1,000 0,067 0.095 0,420
2016 0,610 0.153 0.085 0.322 0,794 0.250 0,931 1,000 0,827 0,022 0.302 0,318 1,000 0,112 0,150 0,458
2017 1,000 0,366 0,092 0,356 0,860 0,320 0,605 0,832 0,835 0,335 0,359 0,626 1,000 0,180 0,281 0,536
2018 1,000 0,353 0,186 0,497 1,000 0,367 1,000 0,906 1,000 1,000 0,523 0,631 1,000 0,257 0,558 0,685
2015-2018 0,777 0,241 0,091 0.361 0,914 0,291 0,753 0,935 0.916 0,345 0,360 0,469 1,000 0,154 0.271 0,525
BANG 6: BANG PHAN HANG CAC CHI NHANH THEO DIEM SO Hi|u QGA KY THOAT
Nam An Giang Bac Lieu Ben Tre Ca Mau Can Tho Chau Doc Dong Thap Kien Giang Long An Phu Quo'c Sdc Trang Tien Giang Tra Noc Tra Vinh VTnh Long
2015 C+
C
c c
A
c c+
A+
A+
C C
c
A+
c c
2016 B
c c c
B+
c
A A+
A C C C A+
C C
2017 A C C
c
A C B A A C C B A+
C C Nguon. 1
201S A+
C
c
C+
A+
C A+
A A+
A+
B B A+
C B inh Eoan CL
2015-2018 B C C
c
A C B A A C C C+
A C C arr i-,!jc .)..-.
mang NHBL. S6' Itfdng giao dich .kieu hoi nam 2015 la 43.111 gim dich den nam 2018 con so nay da t a i - len den 75.099 giao dich, vdi mtfc tans da' S^"
2 iSn.
Ve dich vti ngdn hdng dien tii't Dich vu VCB-Ib@nking tang trung binh 26,6%/nam, tinh luy ke de'n nam 2018, so'tai khoan internet banking ciia cac chi nhanh VCB khu vtfc TNB dat 180.571 tai khoan, tong doanh thu ttf phi dich vu ngan hSng dien ttf ttfdng tfng dat 103,7 ty dong. Dich vu vS'n tin so dtf qua di$n thoai-SMS banking hoat dOng bat dau ttf thang 11/2006. Trong giai doan 2015- 2018, so' ItfOng khach hang SMS trung binh 21,5%/nam, dat 571.483 tai khoan vao nam 2018, vdi tdng mtfc doanh thu ttf phi dich vu SMS dat 30,2 ty dSng ttfdng tfng.
Danh gia hidu qua hoat dong ban ie ciia cac chi nhanh VCB ichu vtfc TNB Hieu qua hoat dong ban le da dtfdc cai thien dan qua cac nam trong giai doan 2015-2018, tang trung binh ttf 0,420 d6'n 0,685 vdi bie'n ddng tang dn dinh (Bang 5). Tuy da co stf chuyen bie'n tich ctfc, nhtfng xet toan thdi ky, thi hieu qua ky thuat ciia cac chi nhanh trong khu vtfc nay viin chi nam d mtfc trung binh.
Cd the tha'y rang, cac ngan hang thtfong mai vin chtfa tan dung he't cac ye'u td dau vao trong hoat dong ban le. Con sd nay cho thS'y, hoat dong kinh doanh ngan hang ban le cua cac chi nhanh trong khu vtfc van cdn nhieu cd hgi de nang cao hieu qua boat dong ban le thuan tiiy, neu bidt khac phuc nhtfng diem ban che cdn ton tai cua minh. Bdi, vdi cung mpt mtfc dau vao nhtf nhau, neu cac chi nhanh bi^et each kliai thac tdi da kha nang cd san de nang cao hieu qua thuan tuy, thi nd se gdp phan lam tang loi nhuan sinh ra ttf boat dpng ban le. Ttf dd, lam tang lai nhuan chung cua chi nhanh ndi rigng va toan he tho'ng VCB ndi chung.
Tuy nhien, nhffng nam gin day, hi6u qua lai cd xu htfdng giam d mdt so chi nhanh. Nhtfng con sd nay cung phan anh thtfc trang hoat ddng ban K ^^^
cac chi nhanh VCB khu vtfc TNB d giai do^n nay. Trong bdi canh nen kinh te the gidi dang rdi vao suy ih.Ji hg thd'ng ngan hang thtfong mat ciia v t B cung bi anh htfdng.
Hdn ntfa, ngiinh ngan hang cua Viet Nam cdn rat non tre so vdi su phat tn-;
cua ngiinh ngan hang the ptaj ^^"
kinh te thi trircfng. Cac dich vu, ma cac ngan hang thifdng mai Vi6l Nam dang cung cap hien nay, diJ da difdc da dang hoa, nhifng vSn ra't ddn dieu, chu yeu la cic san pham truyen thong. Cac dich vu ngan hang hidn dai du da phat irien, nhimg khong dong bo. Rat nhieu dich vu phat trien chUa tu'dng xUfng vdi tiem nang, Quan tri hoat dong va cong nghe cua cac ngSn hang vin con yeu kem. Cong tac quan tri rui ro cua cac chi nhanh chu'a thuc sif hi6u qua, hau qua la ty 16 nd xS'u vin con d miJc cao, nhieu khoan nd kho doi dSn den thieu thanh khoan cue bp tai mot so' chi nhanh.
Thifc te' da chd'ng minh, mot so' chi nhanh thuoc nhdm 1 la nhiJng chi nhanh cd quy mo tai san va nguon vo'n Idn hdn, nhif: Can Thd, Tra Ndc, Kien Giang, Long An... co hieu qua ky thu^t cao, thuoc top ddng dau trong bang xep hang hieu qua ky thuat giffa cac chi nhanh trong khu vifc. Con mpt so' chi nhanh nh6, nhif: Be'n Tre, Ca Man, Bac Lieu...
do cd quy mo tai san va nguon vd'n nhd, nen hieu qua ky thuSt cung d mii'c tha'p.
Cu the mii'c xe'p hang cua cac chi nhanh ngan VCB difdc the hiSn trong Bang 6.
MOT SO KHUYEN NGH!
Ke't qua ctia nghien ciJu cho thay, cac yeu to: Quy mo; An toan vd'n; Chat
lifdng tin dung; Chi tieu ndi chung va chi lao dong noi rieng; Kinh nghi6m; Quy mo thi tru'dng tiem nang;
Thich nghi moi tru'dng theo thdi gian va thich nghi moi trifdng theo dac trifng dia ly la co anh hu'dng dang ke den hieu qua hoat dong ngan hang ban le cua cac chi nhanh trong khu vifc nay.
Them vao dd, nghien cu'u cQng phan nhdm theo hang (A, B, C) cac chi nhanh nam 2018 cho tha'y, cac chi nhanh d nhdm A (hi6u qua ban le cao) gom: An Giang, Can Thd, Dong Thap, Kien Giang, Long An, Phu Quoc va Tra Ndc. Ophan nhdm hangB (hieu qua d mffc trung binh) cd cac chi nhanh: Sdc Trang, Tien Giang, VTnh Long. Con lai la d nhdm hang C (hi6u qua kem) la cac chi nhanh: Bac Lieu, Ben Tre, Ca Mau, Chau Doc va Tra Vmh.
Ke't qua nghien cu'u nay cung gpi md mdt so' giai phap nham nang cao hieu qua hoat dong ban le cac chi nhanh VCB khu vifc TNB, gom:
(1) Tang cifdng md rdng Hen ke't vdi cac dd'i tac trong nhieu ITnh vifc khac de md rpng thi trifdng, da dang hda kenh phan pho'i trong chie'n Iffpc canh tranh;
(2) Thuc day cai tao, ddi mdi cac chffdng trinh dao tao chuyen mdn nghiep vu, ap dung cdng nghe mdi de nang cao nang Iffc quan ly, dieu hanh cung nhif chuyen mdn nghiep cua ngffdi lao dong;
(3) Tap trung nang cao chat Iffdng cac san pham ban le;
(4) Nghien cffu de ap dung cdng ngh6 vao hoat dpng kinh doanh mdt each than thien, vffa dam bao cac nhan vien ngan hang tie'p can nhanh nha't vdi cac u'ng dung cong nghe tai chinh mdi vffa dam bao de tiep can, tien ldi cho khach hang khu vffe TNB.Q
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