TAP CHi CONG THIfdNB
PHAT TRIEN CHO VAY TIEU DUNG TAI NGAN HANG THUOfNG MAI CO PHAN DAI CHUNG VIET NAM
- CHI NHANH TRUNG TAM BAN
* TRAN THANH PHUC
Tom tat:
Trong bo'i canh canh tranh ngay cang gay gat nhtf hi$n nay, de phat trid'n boat dong cho vay tieu dung mot each an toan va hieu qua nham htfdng tdi muc tieu trd thanh mSt trong nhu'ng chi nhanh ngan hang co uy tin trong viec cung tfng san pham cho vay tidu dung khong phai la dieu ddn gian. Do do bai vie't phan tich cac nguyen nhan phat sinh rui ro trong cho vay tieu dung, de ttf do de ra nhtfng giai phap htfu hieu nbSm nang cao chat Itfdng cho vay tiSu diing do'i vdi PVcombank - chi nhanh trung tSm ban.
T«f khoa: NgSn hang thtfdng mai cd phan Dai chdng Vi6t Nam (PVcombank), cho vay tieu diing, to chitc tin dung.
I. Thtfc trang phat trien cho vay tidu diing tgi PVcombank- Chi nhanh Trung tam ban
Ngan hang Thtfdng mai cd phan Dai chiing Viet Nam - PvcomBank CO tdng so'tai san dat gan iOO.OOO ty dong, vdn dieu le 9.000 ty dong, trong do cd dong ldn la Tap doan Dau khi Viet Nam (chie'm 52%) va co dong chid'n Itfdc Morgan Stanley (6,7%). Vdi mang Itfdi 108 diem giao dich tai cac tinh thanh trong did'm tren toan qudc, ngudn nhan Itfc chat ltfdng cao va be day kinb nghiem trong cung cap cac dich vu cho cac doanh nghidp trong nganh Dau khi, nang ltfdng, ba tang;
PVcomBank cung ci'p cac san pham dich vu da dang dap tfng day du cac nhu cau tieu dilng cua khach hang td chtfc va ca nhan. (Xem Bang).
Xet ve to'c do tang thi doanh sd cho vay nam 2017 tang nhanh hdn nam 2018. Dieu nay dtfdc ly giai la nam 2018 theo chi dao chung ciia Nha ntfdc ban che' cho vay tin dung (CVTD) va nam 2017 chi nhanh thtfc hien chid'n Itfdc ndi long hdn CVTD thu hlit khach hang. Mpt phan vi nam 2017 chi nhanh tap trung cho vay ngan ban hdn nen vdn dtfdc quay vong nhanh hdn, nguon vdn ddi dao hdn dap tfng nhu cau khach hang. Tuy
234 So 7-Thang 4/2019
TAI CHlNH-NGAN HANG-BAD HIEM
Bang: Doanh so cho vay tieu dung cua Pvcombank - Chi nhanh trung tam bdn Ddn vi: Trieu dong Nam
Chi tieu Doanh so cho vay
Doanh so thu no Thu lai CVTD
N i m 2 0 i 6 So tier 59.572 61.014 5.074
Nam 2017 ScTtlen 74 037 63.842 7.189
So vdi nam 2016 14.465 12 828 2.115
+24,28%
+26,15%
+41,68%
Nam 2018 SoTtlen 87.506 78.264 9.314
So vdi nam 2017 13.469 14412 2 125
+18,19%
+22,57%
+29,56%
Ngudn: Bdo cdo cua phong tin dung cd nhdn Pvcombank - chi nhdnh trung tdm bdn
nhien, tdc do tang ciia doanh so thu nd CVTD bid'n doi cung chidu vdi doanh so' cho vay. To^c dp tang giam dan, nam 2017 tang 25,15% so vdi nam 2016 tbi nam 2018 chi tang 22,57% so vdi nam 2017. Theo nhtf nghien etfu ly do cua didu nay mot ph^n la cong tac thu nd cua chi nhanh dtfdng nhtf dang dtfdc ndi long, khach hang dtfdc ngSn hang tao dieu kien ve mat thdi han vay.
Con cac khoan nd dai ban cua cac nam 2016, 2017, dac bidt la cua nam 2017 con keo dai dtfdng nhtf viec thu hdi cd stf ttu tien gia ban.
Chie'n Itfdc nay giup chi nhanh md rdng CVTD, tang dieu kidn canh tranh nhtfng cung ce the se gSy tdn hai cho ngSn hang ve viec tf dong vo'n.
To'c do tang ciia thu lai ttf CVTD tang la do dinh htfdng phat trien ciia chi nhanh, nam 2018 han che sid't chat cho vay tieu dung thi nam 2017 ndi long va tap trung nhieu vdn hdn vao cho vay tidu dung dSn de'n thu nhap ttf cho vay tieu dung tang cao d nam 2017. Phan khac, stf bie'n dong ciia lai sua't trong ca giai doan cung anh htfdng den ngudn thu cua ngan hang. Stf gia tang nay cung mot phan khang dinh stf dong gop cua CVTD vao tdng thu nhap ciia ngan hang.
/. Ket qud dat duac
Doanh so' cho vay va dtf nd cho vay tieu diing tang qua cac nam the hien stf phat trien ciia hoat dong CVTD. Ddng gdp ty trgng ngay cang Idn vao boat dpng kinh doanh ciia ngan hang. So'
Itfdng khach hang ngay cang tang, khdng dinh hinh anh ciing nhtf thtfdng hieu ciia chi nhanh trong long khach hang. CVTD gop phan nang cao hinh anh cua ngan hang tang kha nang huy dong vo'n.
- Cac san pham CVTD ciia chi nhanh thtfdng xuyen dtfdc nang cao, cai thien bam sat nhu cau cua khach hang. Gop phin tang stfc mua ciia xa hpi, kich cau tieu diing ttf do gop phan thuc day nen kinh te' phat tnen. Quy trinh cho vay tieu dung dtfdc thid't kd' chat che phil hdp vdi ttfng loai hoat dong. Mdi san pham deu cd van ban quy dinh rieng. Thii tuc cho vay tuy gon nhe nhtfng chat che ve mat phap ly, dam bao an toan cho cac ben.
- Ty Id nd xa'u va nd qua ban dtfdc ngan hang kiem soat d mtfc tha'p dam bao svf an toan cho ngan hang, the hidn stf ben vtfng ve chat Itfdng CVTD khi ngan hang md rong boat dpng CVTD,
2. Nhdng han che
- Ty trpng dtf nd cho vay tidu dung con tha'p trong tdng dtf nd. Cho vay tidu dung ludn ap dung mtfc lai sua't cao hdn cac khoan vay khac. Dac tinh ciia san pham nay la ngtfdi tieu dung khong quan tam nhieu dd'n mtfc lai sua't phai tra. Hp chi can thoa man nhu cau rieng ctia minh. Dd la va'n de quan trpng hdn dd'i vdi khach hang tidu dung.
- Ty trong dau ttf vd'n dai ban con cao, dan de'n riii ro lai sua't va riii ro thanh khoan. Trong
So 7-Thang4/2G19 235
l A P CHl CONG THIflfllG
khi do, cac khoan cho vay mua va su'a chtfa nha lai chie'm ti trpng ldn. Thdi gian ciia mpt khoan tin dung nham muc dich mua va siJa chtfa nha la khoang thang. Quang thdi gian nay qua ngan de chi nhanh dtf doan va phan tich cac bie'n dpng tren thi trtfdng vo'n. Neu lai suat ddt ngdt tang manh qua, chi nhanh buoc phai tang lai sua't cho cac khoan da ca'p tin dung ciia minh. Nhtf vay, mpt la dem lai tam li khdng thoai mai cho khach hang; hai la chi nhanh cd nguy cd giam ldi nhuan. Day chinh la riii ro lai sua't. Ben canh do, thdi gian cho vav dai gay can trd cho chi nhanh trong viec theo doi tinh hinh tin dung khach hang hdn. Ngan hang se cd nhieu nguy cd do'i mat vdi dnh hinh hut vo'n. Khi khach hang ddng loat riit
\6'n vdi so'Itfdng Idn, chi nhanh se khong dii kha nang thanh toan cho ta't ca cac khach hang, Didu nay lam chi nhanh khdng nhffng mS't uy tin ma cdn mat di nhidu cdhdi dSu ttf, kinh doanh khac, ta't yd'u lam giam ldi nhuan va riii ro ve thanh khoan.
- Ty Id nd qua ban va ty Id nd xau cao. Ty Id nd qua han dao ddng d mtfc 5% va nd xa'u d mtfc 2%. Hai chi so'nay ehid'm da so'trong tdng nd qua han va nd xa'u ciia boat dpng tin dung. Dieu nay xua't phat tit vide cdng tac tham dinh va cdng tac quan H nd cdn chtfa td't. Cdng tac tham dmh ciia chi nhanh chu yd'u chi mdi tap trung d tham dinh trtfde (khi khach hang dem hd sd de'n xin vay);
cdn tham dinh trong va sau khi cho vay khong dtfdc thtfc hien thtfdng xuyen, ma chi tid'n hanh theo mot thdi diemnha't dinh trong nam, dieu nay rat de cho khach hang ldi dung lam sai. Cdng lac quan li ngudn vo'n cung chtfa td't.
II. Giai phap phat trien cho vay tieu dung tai Ngan hang Pvcombank - chi nhanh trung tam ban
Hodn thien ccf che vd guy trinh cho vay tieu dung
Pvcombank - chi nhanh trung tam ban phai nit ngan thdi gian cho vay de tao stf tien ldi cho khach hang bang each giam thid'u cac thu tuc khong can thie't; giam thieu thdi gian lap hd sd:
tham dinh tai san dam bao va xet duyet cho vay cua ban tin dung. De thtfc hien dtfdc quy irinh nay
nhanh chdng, chinh xac can phai cd stf phd'i hdp ddng bp giffa phong tin dung ca nhSn, phong tham dinh tai san dam bao va xet duydt cho vay ciia Ban tin dung; Ben canh do, ngan hang cd the sff dung cong nghd hien dai de thtfc hien quy trinh nghidp vu theo htfdng Ctf dpng boa. Khach hang chi can gffi nhu cau cung nhtf cac giS'y td can thie't cho ngan hang ma khdng phai de'n ngan hang thong qua he tho'ng ttf dpng. Cac dff hdu v^
khach hang va kd't hdp vdi he tho'ng cha'm diem tin dung de ra quye't dinh cho vay va se cung cap dich vu ttf dpng, dieu nay se rut ngan thdi gian ciia ngan hang va ca khach hang. Tuy nhidn, viec giam thieu thdi gian, ddn gian boa thii tuc phai dam bao chat che theo quy trinh nghidp vu de dam bao an toan cho khoan vay.
Ndng cao chdt lU^ng nguon nhan lUc Pvcombank - chi nhanh trung tam ban dtfa ra cac giiii phap nham nang cao nang Itfc can bo nhan vien ngan hang noi chung va CBTD noi rieng nhtf:
- Thtfdng xuyen quan tam bdi dtfdng, dao tao, nang cao chat ltfdng chuyen mdn nghiep vu ciia can bO, dac bidt la can bo giao dich va CBTD dl tao ra cho ngan hang nhffng san pham cha't Itfdng cao, dap tfng td't nhu cau cua khach hang.
- Ap dung cd che' khuye'n khich can bp nhan vien, ngtfdi cd cd'ng hie'n cho Pvcombank - chi nhanh trung tam ban se dtfdc htfdng thu xtfng dang, ddng thdi nhan vien nao lam vide khdng hieu qua se khong dtfdc htfdng. Doi mdi cong tac khen thtfdng dung ngtfdi diing viec va cd khuye'n khich ve vat cha't. Dieu do se tao dpng Itfc cho hp cd'ng hie'n hd't minh vao cong vide.
- Day manh cong tac kiem tra khach hang trong qua tiinh cho vay ctia CBTD. Sau khi quyet dinh cho vay do'i vdi khach hang, ngan hang giai ngan thi CBTD cin phai thtfdng xuydn kiem tra xem khach hang cd sff dung vd'n vay diing muc dich hay khdng; ddng thdi danh gia xem khach hang CO kha nang tra nd diinghan hay khong de ttf do ed nhffng bien phap kip thdi tranh nhtfng rui ro gay ton that cho ngan hang. Va cung qua cong tac kiem tra nay, ngan hang phai thu thap thtfdng xuydn nhffng y kie'n ciia khach hang de phathidn
236 So 7-Thang 4/2019
TAI CHINH-NHAN HANG-BAD HIEM
nhffng vtfdng mac eung nhtf nhu cau mdi ciia khachhang, ttf do cai thien cha't Itfdng dich vu va lam cd sd dd dtfa ra cac san pham mdi nhSm md rong hoat dong CVTD.
-Ngan hang ndn xem xet bo'tri s5p xd'p va sff dung can bo mdt each hdp ly, can tim hieu ve nang lffe, trinh dp, sd trtfdng ciia ttfng CBTD de de bat, bo'tri, quan ly sff dung nhan Itfc mpt each hdp ly, nham phat huy td'i da kha nang cua mdi ngtfdi dd dem lai hieu qua cao va han chd'riii ro xay ra trong cdng tac tin dung,
Ndng cao hieu qud hogt ddng marketing ngdn hdng
Pvcombank - chi nhanh trung tam ban can xay dtfng cho minh mpt chie'n Itfdc quang ba - tie'p thi phu hdp nham lam cho khach hang hieu rd hdn va day dii hdn ve ngan hang va cac san pham ciia ngan hang. Vide tie'n hanh chid'n Itfdc quang ba - tie'p thi se tao ra hieu qua tich ci/e, giup eho ngan hang ed the md rong dtfdc pham vi boat dpng ciia minh, mang lai ngudn thu nhap cao hdn.
Chinh sach khuyd'ch trtfdng, quang ba khong chi la mpt chie'n dich quang cao ram rd tren cac
phtfdng tien thdng dn dai chiing hoae thtfc hien cac chtfdng trinh khuyd'n mai ldn, Dd tid't kiem chi phi, ddng thdi tie'n hanh boat ddng tie'p thi, quang ba co hieu qua nha't thi CBTD ndn tie'p can trt/c tidp vdi do'i ttfdng vay vd'n. CBTD co the tid'p can trtfc tid'p vdi cac cd quan, cdng ty va thong qua ban lanh dao, doSn the cdng do^n de gidi thieu ve ngan hang, cac san pham ngan hang, trong dd ed cac san pham CVTD.
Tdng cUdng ddu tU cho ctf sd vdt chdt, hien dgi hod cong nghe ngdn hdng
He thdng cdng nghe la nen tang de phat trien cae dich vu ciia ngfin hang. Ben canh do, edng nghd con la mpt bien phap de tranh cho ngSn bang rdi vao tinh trang lae hau, kem kha nang canh tranh so vdi cac dd'i thu tren thi trtfdng.
Cong nghe hien dai la mpt trong nhtfng yeu to' quan trpng khi khach hang nhin nhan ve mot ngdn hang, danh gia uy tin va hieu qua ciia ngan hang dd. Chinh vi vgy, hidn dai hda edng nghe ngan hang la rat can thid't, eo y nghia quye'l dinh de'n boat dpng kinh doanh va tac dpng trtfc tie'p dd'n kha nang canh tranh ciia ngan hang •
TAI LIEU THAM KHAO:
1. Nguyin Minh Kieu, (2011). Tin dgng vd thdm dinh tin dung, Nhd xud't bdn Lao dgng xd hoi.
2 Phan Tin Thu Hd, 2015. Gido trinh ngdn hdng thifcfng mgi, Nhd xudt bdn Dai hgc Kinh te quo'c ddn.
3. Thong tusd 43/2016/TT-NHNN ngdy 30 thdng 12 ndm 2016.
4. http./Zcafebiz.vn 5. http://pvcombank.com vn
Ngay nhan bai: 26/3/2019
Ngay phan bien danh gia va su'a chffa: 5/4/2019 Ngay cha'p nhan dang bai: 15/4/2019
Sd7-Thang 4/2019 237
lAPCHlCONGTHKlfNe
Tiidng tin tdc gid:
ThS. TRAN THANH PHUC Khoa Tai chinh Ngdn hang
Trifdng Dai hoc Kinh te'Ky thuat cong nghiep
PROMOTING CONSUMER LOAN PRODUCTS OF THE SELLING CENTER OF VIETNAM PUBLIC
JOINT-STOCK COMMERCIAL BANK
• Master, TRAN THANH TRUC Faculty of Finance - Banking University of Economics - Technology for Industries
ABSTRACT:
In the context of increasingly fierce competition, it is difficult for the Selling Center of Vietnam Public Joint-stock Commercial Bank (PVcombank) to promote its consumer loan products safely and effectively in order to become one of credited prestigious bank branches in providing consumer loans. This article is to analyze the causes of risks in providing consumer loans, thereby proposing effective solutions to improve the quality of providing consumer loans at the Selling Center of PVcombank.
Keywords: Vietnam Public Joint-stock Commercial Bank (PVcombank), consumer loans, credit institutions.
238 S d 7 - T h d n g 4 / 2 0 1 9
