Ninh H6ng Phan Tap chi KHOA HOC & CONG NGHE
THirC TRANG CONG TAC HUY DONG VA Slf DUNG VON
TAI NGAN HANG TMCP CONG THUONG CHI NHANH THAI NGUYFN [Ninh H6ng Phdn' Trudng Cao ddng Kinh le Ky ihiidi - DH Thdi \giiyen TOM TAT
Ngan hang Cong thuang Viel Nam la Ngan hang Ihuong mai Idn. co he thong mang ludi trai rgng toan quoc vdi 03 Sd Giao dich, 141 chi nhinh v^ iren 700 diem/phong giao dich. Chi nhanh Ngan hang Cong thuong Viet Nam tai Thdi Nguyen la mpt trong nhLl:ng chi nhanh co l6c dp phat Iri^n nhanh va on dinh. Lanh dao cimg vdi lap the nhan vien Ngan hing TMCP Cong Ihuong chi tihanh Thai Nguyen da xac djnh muc tieu uu lien Irong 16 trinh phat trien ciia minh la "Cung cap dich vu chal lupng cao cho thj trudng muc lieu da lira chon". Trong qua trinh thuc hien muc lieu nay, chi nhanh da dat dupe ket qua kha tot, tuy nhien van c6n mpt so van de con ton Cai nhu' chi nhanh khong tu can doi duoc nguon tien giiTa tin dung va ngan hang, lupng tin dung trung ban ciia ca nhan c6n thap... Do \ay. de hoal dpng huy dpng va sir dung von co hieu qua hon, trong giai doan 2012-2015, chi nhanh can phai xay dung cdc chinh sdch ve khach hdng, da dang hoa hinh thirc huy dpng, nang cao chat lupng djch vii ngan hdng vd tiep tuc boi duang nang cao trinh do nghiep vu cho nhdn vien
Tir khoa: Vielinbank Thai Nguyen, huy dong vdn. sic dung vdn. hieu qua, danh gid DAT VAN DE
Ngan hang TMCP Cdng thuang chi nhanh Thai Nguyen dugc thanh lap ngay 01 thang 8 nam 1988 vdi vdn dieu le 1,100 ty ddng va 14 can bd nhan vien. Hien nay, Ngan himg TMCP Cdng thuang ehi nhanh Thai Nguyen da phat trien them 12 phdng giao djch phan bd rdng khap khu vuc thanh phd Thai Nguyen. Vdn dieu le sau khi tien hanh ed phan hoa tang len 16.858 ty ddng, loi nhuan trudc thue nam 2010 dat 67,247 ty dong.
Tdng sd can bp, nhan vien cua ehi nhanh nam 2010 la 136 ngudi trong dd sd lugng CBNV cd trinh do dai hgc va tren dai hgc la 130 ngudi chiem 95,59%, 6 can bp, nhan vien cd trinh dp Cao dang. Trung c4p chiem 4,41%. Vdi mang ludi phdng giao dich vacac may ATM dugc phan bd rdng khap dja ban tinh, cdng tac huy dgng va sii dung vdn cua Chi nhanh Ngan hang cdng thuang Thai Nguyen da budc dau dat hieu qua, tuy nhien van gap nhieu khd khan nhu: khach hang danh gia tinh than trach nhiem ciia nhan vien
* Tel 0985 217888. Emad mnhhongp^gmad o
chua cao, chi nhanh khdng tu can ddi dugc nguon lien giiJa tin dung va ngan bang, cac binh thuc huy dong vdn chua da dang.,,Trong bai viet nay chiing tdi mudn de cap den ket qua cdng lac huy ddng va sir dung von da dugc trien khai thuc hien, tren ca sd do de xuat giai phap guip chi nhanh Ngan hang cdng Ihuong Thai Nguyen hoan thanh tot muc lieu cung cap djch vu chat lugng cao cho thi Irudng giai doan 2012-2015.
KET QUA NGHIEN CUU VA T H A O LUAN Doi net \e Ngan hang TMCP Cong thuong chi nhanh Thai Nguyen
Cdc chi tieu ve nguon nhdn lire.
Ngudn Iuc con ngudi ludn dupe Ban giam ddc Ngan bang TMCP Cdng thuang chi nhanh Thai Nguyen dac biet quan tam. Cbinh vi vay, cdng lac tuyen chgn va dao lao da dupe chii trgng de tuyen dung dugc CBNV cd day dil sue khoe, pham chat dao due, trinh dp chuyen mdn, ngbiep vu nham dap irng duoc yeu cau hdi nhap nen kinh te qudc te Chi lieu ve ngudn lire con ngudi ciia ngan bang dugc the hien d bang 01 nhu sau
Ninh Hong Phan Tap chi KHOA HQC & CONG NGHE 103(03): 4 7 - 5 4 Bang 01: .\Uii sd thi lieu ve ngudn Iuc con ngudi
So luyng 1. Tong so cdn bi). nhan vien
So can bp, nhan vien nam So cdn bp. nhan vien iiu 2, Trinh tip chuyen ni6n
Tren Dai hoc Dai hoc Cao Dang. Trung cap 3. Thanh phan dan tpc Dan tpc Kinh Dan tpc khac 4, Tuoi binh quan Dudi 30 Til 35 Akn 50 Tren 51
Co cSu (%) 13(1
51 85 8 132
6 134
2 71 58 7
100 37,50 62,50 5,88 R 7 I 4,41 98,53 6,62 52,21 42,65 5.15
5. So lupng Ddng v 34 25,00
Ngudn Phong Td chuc Hanh chinh. Ngdn hdng TMCP Cdng ihinrng chi nhanh Thai Nguyen [1]
Dc danh gia linh hinh ngudn lire tai chinh eiia ehi nhanh, ehiing tdi xem \ c i q u a bieu 0 2 . Bieu (12: Mdi sd chi lieu tdi chinh cua Ngdn hdng TMCP Cdng ihuang chi nhdnh Thai Nguyen
gtai doan 2009-2011
Dan VI Tv ddng Chi ticu
l o n g tai san Von chu so hiru Dir no Cho vay& dau tu Tien gi>i \;i cac khoan phai hang
Tong thu nhap tu boat dong Loi nhuan Irirac thue
tra khach kinh doanh
2009 1.382 1.500 1.009 1-167 21,801 35,557
Nam 2010 1 542 2 300 1 274 1.373
•14.44 48.87
2011 2 161 2,600
1 814 1.794 51.617 67.247
Tai 10/09
11.6 53.3 26.3 17.7 103.8 37 4
i g trurrn 11/10 40.1 13.0 42.4 30,7 16,1 37.6
S (%) BO 25.9 33.2 34.3 24 2 60.0 37.5 Ngudn Phong lin dung-Ngdn lidng TMCP Cdng thinrng chi nhdnh Thdi Nguyen [1]
r h o n g ke sau day guip chimg ta cd n h u n g danh gia khach q u a n \'e he t h d n g giao djch ciia Ngan bang T M C P C d n g thirong chi nhanh Thai Nguyen so vdi mot sd N H T M khae tren dia ban thanh phd Thai N g u \ e n
Bleu 03: Mdi sd chi lieu ve ngudn Iuc co xa ha idng
NH Conu ' thu-Q-ng
Chi tieu NH DiiutUtS:
I'l \ M
NH NN A I'TNT
Techcom VIB bank Bank Tru so giao dich chinh
So phong giao dich
01 10 So may ATM
Ngudn' Sd lieu dieu tra cua lac gid nam 2011 Q u a bang sd lieu tren cho thay sd l u g n g cac p h d n g giao dich va m a y nil ti^n t u d d n g A T M ciia Ngan hang T M C P C d n g thiro'ng chi nhanh Thai N g u y e n cd sd l u g n g nbi6u h a n h k so vdi cac N H T M khac, va duo'c phan bo rong khdp tren dja ban thanh pho Thai N g u y e n . Chinh su tien Ipi dd da lam lang kha nang thu hiit vdn va cac giao dieh khac trong thdi gian vira qua.
48
Ninh Hong Phan T^p chi KHOA HOC & CONG NGHE 103(03) 47-54 Bang 04: Sd lirang vdn huy ddng lgi Ngdn hdng TMCP Cdng ihuang chi nhdnh Thdi Nguyen
Dan VI ly ddng
Chitifu - Tien gui cua cac to chirc kinh te - Tien giri ciia dan - Phat hanh cac cong cu ncr , Nguon di vay - Cdc nguon huy dong khac
Tong
Nam S6 tuong
290 120 450 200 340 1400
2009 Co cau
%
20,71 8.57 32.14 14.29 24.29 100
Nam S6 lugng
450 250 450 200 350 1700
2010 Co cau
%
26.47 14,71 26.47 11.76 20.59 100
Nam S6 luong
600 300 500 250 450 2100
2011 Co cau
%
28,57 14,29 23.81 11,90 21,43 100
Tans 10/09 55,17 108.33 0 0 2,94
tru'dngC/i 11/10 33.33 20.00 11.11 25,00 28.57
)
BQ
44.25 64,16 5.55 12.5 15,75
Ngudn: Phdng Nguon vdn-Ngdn hdng Thirc trang cong tac huy dong \i\ sir dung von tai Ngan hang TMCP Cdng thiro-ng chi nhanh Thai Nguyen
Doi vdi cdng tdc buy dang vdn
Hien nay cong tac hu> ddng vdn chii yeu bang cac nguon nhu:
- Tien gui ciia cae td chuc kinh te (lien giii khdng ky han, tien giri ed ky han);_
- Tien giri eiia dan cu (tien giri tiel kiem va tien gui khdng ky ban):
- Phat hanh cae cdng cu ng;
-Ngudn di \a>.
- Cac ngudn hu> ddng khac;
Co cau trong huy dong vdn ciia Ngan hang TMCP Cdng thuong cbi nhanh Thai Nguyen kha da dang va phong phii, the hien qua bang sau:
Trong CO c4u tien giri tai Ngan hang TMCP Cdng thuang chi nhanh Thai Nguyen, tien gui cua Id chuc kinh te cd ty trgng kha Idn, dieu nay the hien vai trd, vi the cua Ngan hang TMCP Cdng thuang chi nhanh Thai Nguyen so vdi cae don vj khac tren dja ban Khach bang la cac doanh nghiep, cac td ehiic kinh te cua Ngan hang TMCP Cdng thuang ehi nhanh Thai Nguyen rk da dang. Tu lau ehi nhanh da thay dugc tSm quan trpng cua lugng khach hang nay va da cd nhu-ng giai phap hiru hieu 6& thu hut. Nam 2009, sd luong lien giri ciia eac td chuc kinh te ta 290 ty ehieiji 20,71% trong tong so tiSn huy ddng. Den cudi nam 2011, sd lugng ti6n giri cua cac td chirc kinh ti tang len 600 ty chimin 28,57% trong
TMCP Cdng Ihuong chi nhdnh Thai Nguyen flJ[2J tdng sd lien buy ddng va chiem co cau cao nhat trong nam 2011
Ben canh dd, cac chinh sach thu hiit lien giri ciia dan cu ciing da dugc trien khai rat hieu qua thong qua cac chuang trinh "giri tien- du thudng" ma Ngan hang TMCP Cong thuang chi nhanh Thai Nguyen trien khai ddng loat tai tat ca cac phdng giao djch tren dia ban thanh phd Thai Nguyen Thdng qua bi^u dd 01 va 02 dudi day se cho ta thay ro hon sd lugng va co cau ve lugng tien hu;
ddng cua ciia Ngan hang TMCP Cdng thuang chi nhanh Thai Nguyen trong 3 nam nghien ciru.
So lugng tiSn giri ciia nhdm khach hang doanh nghiep, td chiic, ca nhan cd su tang trudng nhanh nhat va van luon chimin co cau Idn nhat trong cac nam tii' 2009 den 2011.
Ben canh dd, ngudn vdn lir khu vuc dan cu ngay mot tang cao bdi qua trinh dd thi hoa diln ra nhanh chdng. Lugng vdn nhan rdi tren chu y^u la do dugc nha nude den bii trong khau giai phdng mat bang, budn ban bat ddng san... Da phan ngudi dan khdng sir dung ngudn von rk Idn do vao trong khau san xuat, kinh doanh ma lira chon gui vao ngan hang cho an loan va sinh Idi
Phat hanh cac cdng cu ng va di huy ddng cua cac NHTM khac tren dia ban thanh pho Thai Nguyen de dam bao ty le du trD' bai budc vi Ngan hang TMCP Cong thuong chi nhanh Thai Nguyen khdng tu can doi duoc nguon tien giira lin dung va ngan hang.
49
Ninh Hong Phan Tap chi KHOA HOC & CONG NGHE 103(03): 47-54 Biju do 02 cho ta thSy sir phan chia so lirmig lien huy dijng theo ky han:
800 600 400 200 0
""sror irnirnrnf' "Jjjamjoio "Nam2011"
290,
-4fa-
450-450,3-00 200-2gcp5O 340 350 456-
Ti^n giri cua I icn girl cua dan Phathanhcac Nguon di vay Cacnguonhuy
D\, 16 chirc kinh cu congcy no dpngkhac
Dan Vj linh: ly (?dng Ngiiiin Phong Nguon von-Ngdn hang TMCP Cong Ihuong chi nhanh Thai Nguyen[I][2]
Bi£u do 01: S6 lirq'ng cua cac nguon lien huy dgng Nam 2009 Nam 2011
3%
^ ^ ^ r ^
T
^ -u
2.86
%
• Khongkyhan
• 1-3 thang 6thang
• 1 n^m
Ngudn: Phdng Ngudn vdn-Ngdn hdng TMCP Cdng thuang chi nhdnh Thdi ^guyen[l][2}
Bi§u do 02: Ca cau ngudn lien huy ddng Trong giai doan 2009 den 2011 ta thay sd
lugng vdn huy ddng d muc lai suat khdng ky han (KKH) chi6m ty le rk thap. Lugng vdn nay chii yeu phat sinh khi cac td chirc. ca nhan chuyen tien \ao tai khoan ATM de lieu dimg ca nhan hoac dupe Ihanh loan luong. Do dd, lugng vdn nay thay ddi rat nhanh Iheo lung ngay va khach hang ehi dugc nhan mu'e lai sual KKH tat thdi diem dieu tra nam 2011 la 2% nam. Ty trgng vdn duoc giri thdng qua KKH giam tir 5% nam 2009, xudng cdn 3%
nam 2011
Doi v&i cdng tdc su dung von
Phan bd co cau vdn vay duge the hien d bieu dd03
Viec phan bd vdn eho \a\ phu thudc vao ngudn vdn liii\ dgng dugc. Ben canh dd, no cijng phu thudc vao ddi tuang \a\ va inuc dich sir dung vdn \a\ Trong nam 2009, ty le vdn cho \a\ cd k\ han dudi 1 nam dat 533 ly dong chiem t\ le cao nhat tdi 46%. Vdn cho vay trung han tir 1 den 5 nam dat gia trj 380 ly ddng chi6m 33%. Vdn cho vay dSu lu dai ban cd co cau ihap nhat chi dat gia trj 254 ty ddng chiem 22%i trong tdng so vdn cho vay.
De cd nhirng danh gia sat thuc, chimg ta phan tich ca cau vdn vay cu the cho tirng ky han va tirng ddi tugng khach hang trong cac nam 2011.
50
Ninh Hdng Phjn Tap chi KHOA HOC & CONG NGHE Nam 2009
22'"
1 ^
f'-'-^^^ 4 6 % •,
• Dudi 1 nam
• tir 1 den 5 n5m ' tren 5 nam
Nam 2011
^^K()0<i
J^|tfHk
^Hr
^ h p p r
• Dudi 1 nam
• tir 1 den 5 nam
• tren 5 n5m
Ngudn- Phdng Ngudn vdn-Ngdn hdng TMCP Cdng ihuang chi nhdnh Thai Nguyen[l][2]
Bieu do 03: Phdn bd co cau vdn cho vay Cacdu vdn vay nam 2011
Trong nam 2011, co cau vdn vay cd xu hudng bien dpng rat khac biet so vdi nam 2009, cu the nhu sau:
Doi vdi cho vay ngan han dudi 1 nam, nhdm khach hang doanh nghiep van chiem co cau vdn vay cao nhat la 60%i, Tuy nhien, su khac biet the hien rat ro ddi vdi vdn vay trung va dai han so vdi nam 2009 Ca cku vdn vay trung han eiia nhdm khach hang doanh nghiep tang 39% nam 2009 len 82% nam 2011. Ca cau vdn vay dai han ciia nhdm khach bang doanh nghiep cung tang manh tu41% nam 2009 len 91% nam 2011.
doanh njihi^p [
I
_ , 91%
S2°A, • 60% __ . ._ I . _____ I
'-•^--^o-M^ B - I - ^ ^ 1 .9%
I den 5 nam
Ngudn: Phdng Ngudn vdn-Ngdn hdng TMCP Cdng ihuang chi nhdnh Thai Nguyenfl]
Bi§u do 04: Phdn bd vdn vay nam 2011
Nhdm khach hang ca nhan cd ty le vay vdn dudi 1 nam chiem ty le kha cao la 17%). Cae td cbii'c kinh t^ ddng tai dia ban thanh phd Thai Nguyen chiem ca c4u 9% va 14% lupng von ngan han cho cac NHTM khac vay lai. Tuy nhien, ddi vdi vdn vay trung han, sd lugng vdn vay ciia khach hang ca nhan ehi chiSm 3% trong long sd vdn trung han, trong khi dd eo' cau vdn vay eiia cac td chuc kinh te tang len 15%i dat 85 ty ddng
Phdn tich RA TER thdng qua sd lieu diiu tra
D^ lien hanh danh gia thdng qua chi sd tdng hgp RATER ciia khach hang ddi vdi Ngan hang TMCP Cdng thuang chi nhanh Thai Nguyen so vdi cac NHTM khac tren cimg dja ban thanh pho Thai Nguyen, chung tdi da gia djnh va ma hoa cac tieu chi djnh tinh trong phieu dieu tra va thu
Ninh Hong Phan Tap chi KHOA I IOC & CONG NGHE d u a c ket qua phan lich n h u s
Bang IKS: Danh gic. c lieu chi phdn lich RATER
Chi lliu
Do tin cay Su dam bao Phirona tien h&u hinh Sir thiiu liiou Tinh than trach nhiem
NII Nilng nghijp
89 96 86 90 80
Nil l ) a i i l i r &
I'TVN ' 87 96 87 87 83
NH Cona Ihuong
90 93
Techcom bank
VIB bank
MB bank
VP bank 97
85 79 91
87 89 85 78 90 90 Nguon. Tong hop lit phieu dieu Ira cua lac gid nam 2011 [5]
Doi voi Ciic ticu clii phan licit nlur do tin cay, sir dam bao trong c a c giao dich, riji ro, cac phuang lien liuu liinli \ a MI than liicii doi vai nhu cau ciia khach hang. N g a n h a n g T M C P C o n g thirong chi nhanh Thai Nguyen deu da k h a n g djnh dirac vi tri, thj pjian c u a minh Irong nam 201 1. Cac no lire hoan Ihien Irong c o n g tac dich vii chain soc kliacli h a n g d c phat Irien them c a c khach hang moi va chain soc. duy Iri moi quan he mat lliicl voi eac khach himg truyen t h o n g .
Bang 06: Old In lucm dinh cdc lieu chi ill dung Irong phdn lich RATER
Chi tieu Do tin cay Su dam bao Phuang tien hiru hinh
Suthau hieu Tinh than ttach nhiem
H? so kiem Pearson Chi-
6,48 9,15 11,71 8,14 7,50
dir Sq
h are
Gl^ Iri (P-value) 0,039 0,010 0.003 0.004 0.006
Ngudn Tdng hap lir sd lieu dieu tra cua idc gia nam 2011 [4]
Cac tieu chi kiem djnh R A T E R tren la can cir khoa hgc c h u n g id c a c san p h a m va djch \ii cua Ngan hang TMCP C d n g t h u a n g chi nhanh Thai Nguyen da chiem d u g e sir lin ca> ciia khach bang trong c d n g tac tai cbinh. tin dung. Can bp nhan vien N g a n h a n g "I \ K P C d n g t h u o n g chi nhanh Thai Nguyen can duy tri d u o c su tin nbiem ciia khach hang,
Phdn ticb SWOT
Bang 07: Bang phdn lich SWOT D i e m m a n h
Ddi ngu nhan sir tre, ed trinh dp chuyen mdn eao va ludn cd ehi h u d n g bdi d u d n g nghiep vu, chuyen mdn de t u hoan thien minh, dap irng eho yeu cau c d n g viec
- He thdng p h d n g giao dich phan bd rdng khap thanh phd Thai N g u y e n
So lupng may A T M nhicu nhat so vdi cac N H T M khac va dia diem dal may d iihfrng vi tri trung tam rat Ihuan Igi.
- Thj phan trong huy d d n g vdn chiem ty le e a o (chiem 2 6 , 5 % trong nam 2 0 1 0 )
- Quan ly riu ro va n g .xau rat hJeu qua.
D i e m y e u
Thi phan c h o \a> cdn nhd mdi chi chiem 12.6%) n a m 2 0 1 0 .
San p h a m \ a djch \ii chii yeu la cac san pham triiven Ihdng. kha dem dieu.
bam lirong khoa hge e d n g nghe trong san p h a m . djch \ i i c d n it. kha nang canh tranh cliua c a o .
Thu n h a p chii yen tir lin d u n g P h u a n g thire, le Idi tam viec van co m a n g n a n g tinh d o a n h nghiep nha nude.
C h u a chii d d n g tim kiem khach hang m d i .
C o hdi
- Dan so Viet tre, nhanh c h o n g tiep can va thich nghi vdi cac san p h a m dich vu c d n g nghe c a o , tien ich. Dd la n h u n g khach h a n g tiem n a n g tao e o hgi cho cac san pham lin dung ca nhan phat trien
T h a c h t h i i c - Viec phal trien bimg no cac chi nhanh N H T M t a p t r u n g tai dja ban thanh pho Thai N g u y e n la mgt khd khan thuc sir j £ o n g ca hai c d n g lac huy d d n g va sir 52
Ninh Hong Phdn TEIP chi KHOA HOC & CONG NGHE 103(03): 4 7 - 5 4 - Hien chi cd khoang 10%t dan sd tham gia vao
djch vu lien giri, m d tai khoan d ngan hang. Nhu cau su dung cae dich vu ngan hang, dac biet la djch vu ngan hang qudc ti dang cdn rat nhi^u tiem nang va ngay cang gia tang manh me.
- Khung phap ly dang dugc hinh thanh ddng bd nham dam bao an loan he thdng, tao dieu kien canh tranh lanh manh va minh bach, giup nang eao nang Iuc canh tranh va hdi nhap tdt v d i qudc te,
Thanh phd Thai Nguyen la tlianh phd nang ddng. Cae ehinh sach khuyen khich thu hut dau t u da dupe U B N D tinh Thai Nguyen dac biet quan tam. Do dd. nhu cau ve vdn dau t u cho cac du an phat trien eac K C N vira \ a nhd, vdn dau t u va md rdng cho san xuat. kinh doanh, \ u 1> mdi trudng, he thdng giao thdng, dien, nude ... cdn rat tiem nang.
dung vdn vay trong thdi gian tdi.
- T h j phan cua cac ngan hang l r i i \ c n thdng bj chia se nhd
- Canh tranh ngay cang khdc Met - X i i \ dung cac chien luoc canh tranh mdi se gia tang chi phi va giam Igi nhuan.
- Hau bet chi nhanh cac N H T M deu lap trung khai thac khach hang doanh nghiep. Do dd, mirc do phan tan eiia nhdm ddi tuong khach hang chien luge na\ ngay cang Idn.
- Kha nang thich ling va ddi pho vdi cac dien bien ve thi trudng tai chinh, bat ddng san, thi trudng chung khoan eiia eac N H T M la kha tdt so vdi cac ngan bang truyen thdng.
Thdng qua bang phan tich S W O T ta thay dugc nhii-ng thuan l g i , cac khd khan, ca hdi va thach thirc de t u dd, giiip cho Ngan hang T M C P Cdng thuong chi nhanh Thai Nguyen cd nhirng chien lupc phii hop vdi dieu kien thuc te ciia ngan hang, phii hop vdi qua trinh phal trien chung eua nganh. Phal huy nhirng diem manh va tan dung tdt nhat nhii-ng co hoi.
Khae phuc. sua chira nhu'ng diem yeu cua minh so vdi ddi thii canh tranh khae. Nhin ra nhii'ng thach thirc de cd cac ^iai phap ngan han va dai han nham han che tdi mii'C thap nhat cac rui ro cd the xay ra trong tuong lai.
Danh gia t h u c t r a n g cong tac huy dong va su dung von tai Ngan hang T M C P Cdng thu-ong chi nhanh T h a i Nguyen Trong bdi canh su hgi nhap ngay canh sau rdng vao kinh te qudc le ve mgi mat, phat trien ITnh vuc tai chinh, ngan hang theo chuan boa qudc le la mot thuc te khach quan. Ngoai viec phai canh tranh vdi cac ngan hang truyen thdng trong nude va cac N H T M ngoai qudc doanh dang phat trien vdi tdc dd nhanh cdn phai canh tranh vdi chi nhanh eae ngan hang qudc t^ von da cd nhieu kinh nghiem va kha nang ve tai chinh, dau t u , quan tri nhan sir, phat trien thuang hieu. Chi nhanh ngan hang cdng thuang Thai Nguyen cd ddi ngu nhan sir ire, cd trinh do chuyen mdn, he thdng phdng giao dich phan bd rdng khap thanh phd Thai Nguyen vdi sd lugng may A T M Idn, thj phan trong huy ddng vdn Idn, edng tac huy ddng va su dung von cua chi nhanh bien nay la kha hieu qua Tuy nhien, trudc nhiing thach thiic
dang dat ra cho nganh tai chinh, ngan bang tai Viet Nam ndi chung ya Cbi nhanh Ngan hang Cong thuang ndi rieng, chi nhanh can cd nhu'ng giai phap cu the de khac phuc diem yeu cua minh.
M p t so giai phap nham nang cao hieu qua huy dgng va sir dung von tai Ngan hang T M C P Cong thu'OTig chi nhanh T h a i Nguyen Tren co sd khao sat thuc trang cdng tac huy ddng va su dung vdn tai Ngan hang T M C P Cdng thuong chi nhanh Thai Nguyen, qua hoc tap kinh nghiem huy ddng va sii dung vdn tai cac ngan hang khac va tham khao y kien cae ehuyen gia cbiing tdi de xuat mgt so nhdm giai phap nham thuc hien cdng tac buy ddng va su dung vdn cd hieu qua han trong thdi gian t d i .
- Xay dung cac chinh sach ve khach bang, va giao tiep khuech truong
- Da dang hoa cac binh thuc huy ddng: Ngan hang T M C P Cdng thuong chi nhanh Thai Nguyen la mgt don \ i thudc Ngan hang Cdng thuang Viet Nam, do vay, cac hoat ddng huy ddng vdn deu nam trong nhirng quy dinh chung cua Ngan hang cdng thuang Viet Nam.
Tuy nhien, Ngan hang T M C P Cdng thuong chi nhanh Thai Nguyen ed the nghien cuu va neu dugc ddng y thi di vao trien khai cac hinh thirc sau:
- Huy ddng tien giri bang vang
- Huy ddng tiet kiem ti€n gui trung va dai ban ed tinh den yeu td lam phat
- Ngoai ra, ngan hang nen m d rdng cac hinh 53
Ninh Hong Phan Tap chi KHOA HQC & CONG N G H $ 103(03): 4 7 - 5 4 Ihirc huy d d n g khac iilur s u d u n g sec ca nhan
va the thanh toan.
- N a n g cao d i a l l u g n g djch vu ngan hang - Ddi mdi td chiic. quan ly cho pbii h g p . hieu qua: Do thudc s o hCru ciia Nha n u d e , ngoai thuc hien cac chirc n a n g ciia ngan hang t h u o n g m a i . N g a n h a n g cdn phai th\rc hien Ciic nliiein \ii khae Iheo yeu cau ciia chinh pbii ma true licp la N g a n hang cdng I h u o n g Viel N a m Day la moi trong n h u n g \ c u Id gdp phan lam giam tinh chii d d n g c h o chi nhanh.
Cac quy tiel kiem la n h u n g noi liep^^xiicvdi khach biing dau lien Tuy nhien. la van Ihay d dau do. cac nhan vien ciia quy tiel kiem tbd o, khdng lich su Irong giao tiep vdi khach hang Dd la bong d a n g each lam ciia thdi ky cii, can phai ddi mdi Phai quan triet cho ddi ngu nhan vien irong viec ihu'c hanh tiet kiem, c h d n g tang phi chi phi van p h d n g : dien, n u d e , g i i u . bill... Ngan h a n g phai tang c u d n g cdng tac kiem tra. kiem soat tat ca cac phdng ban, cac bd phan. Hoat d p n g nay can d u g c duy tri t h u d n g xuyen, lien tuc, bao dam an loan, hieu qua tren moi mat hoat d o n g ciia ngan hang - N a n g cao chat l u o n g sir d u n g vdn huy d d n g : Hien nay, chat l u g n g tin d u n g ciia N g a n bang T M C P C d n g t h u a n g chi nhanh Thai N g u y e n d u g c danh gia cao. Sd n g qua han qua cac
nam deu cd xu h u d n g giam va trong ly le cho p h e p . Day la mpt cd g ^ n g virgt bac cua can bd. nhan vien N g a n h a n g T M C P ^ C d n g thuang chi nhanh Thai N g u y e n trong nd lire giam np q u a han. T u y nhien. N g a n h a n g T M C P Cong t h u a n g chi nhanh Thai N g u y e n c u n g phai n a n g c a o chat l u g n g can bg tham djnh di; an, Ngan h a n g se chii d g n g di lim ngudn de cho vay chir k h d n g phai thu d g n g ngdi c h d khach hang den vdi minh,
- Tifip tuc bdi duoTig n a n g c a o trinh dg nghiep vu c h o nhan vien.
- Cd nhii-ng chinh sach dai ngg xirng dang cho can b p c d n g nhan vien.
TAI LIEU T H A M K H A O [I], Bdo cao Idng kel cua Ngdn hdng TMCP Cong thuong chi nhdnh Thai yguyi-n 2011.
[2], Bdo cdo Idng ket hoal ddng cua \gdn hdng TMCP Cdng ihuong chi nhdnh Thdi Nguyen c k nam2005, 2008, 2009, 2010.
[3]. G i i o irinh Ngan hang Ihuang mai - DH Kinh te quoc dan.
[4], Le Van Tu, Ti^n te, tin dung va ngan hang [5] Phan Thj Thu Ha - Nguyin Thi Thu Thao, Giao trinh Ngan hang thuong mai, quan trj va nghiep vu - Dai hgc Kinh te quoc dan.
S U M M A R Y
S T A T U S A M ) U S E O F C A P I T A L M O B I L I Z A T I O N A T \ I F T T I N B A N K T H A I N G U Y E N
Ninh Hong Phan' College oj Eioiioniu <• and Teclmolog} 1 \ ! Industrial and Commercial Bank of Vietnam is a large commercial bank, national network spanning 03 Transaction. 141 branches and over 700 points / transaction. Vietnam Industrial and Commercial Bank branch in Taiyuan is a branch o f t h e fast pace of development and stability.
Employee collective leadership with Industrial and Commercial Bank of Taiyuan Branch have idenlified priority objectives m the process of Iheir development is "To provide high quality services for the selected target market " In the course of implementation of this target, the branch has achieved quite good results, but there are still some outstanding issues in as: Affiliates are not able to balance their money between bank credit and Qualiu Information Mid-term Personal is still low . Therefore, to mobilization and more efficient use of capilal. in the period 2012 - 2015.
Ihe branch need to build customer policies, diversify'ing forms of mobilization, improve the quality of services banking and continue fostering the professional qualificalions for staff.
Keywords: i'lelinbank Thai Nguyen, capital mobilization and use of capital, ejficienty and e\aluaiion
\gdv nhdn hdi: 30/10/2012. ngay phan bien. 15/12/2012, ngay duyel ddng 26/3/2013
Tel 0985 217888 Email i 54
