Mở rộng cho vay khách hàng cá nhân tại ngân hàng thương mại cổ phần Công thương Việt Nam - chi nhánh Bình Dương: Khóa luận đại học chuyên ngành tài chính ngân hàng / Nguyễn Ngọc Trâm ; người hướng dẫn khoa học Nguyễn Thế Bính

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM

TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP. HỒ CHÍ MINH

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NGUYỄN NGỌC TRÂM

MỞ RỘNG CHO VAY KHÁCH HÀNG CÁ NHÂN

TẠI NGÂN HÀNG THƢƠNG MẠI CỔ PHẦN CÔNG

THƢƠNG VIỆT NAM – CHI NHÁNH BÌNH DƢƠNG

KHÓA LUẬN TỐT NGHIỆP

CHUYÊN NGÀNH: TÀI CHÍNH - NGÂN HÀNG

MÃ SỐ: 7340201

TP. HỒ CHÍ MINH, NĂM 2020

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM

TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP. HỒ CHÍ MINH

---------oo0oo---------

NGUYỄN NGỌC TRÂM

MỞ RỘNG CHO VAY KHÁCH HÀNG CÁ NHÂN

TẠI NGÂN HÀNG THƢƠNG MẠI CỔ PHẦN CÔNG

THƢƠNG VIỆT NAM – CHI NHÁNH BÌNH DƢƠNG

KHÓA LUẬN TỐT NGHIỆP

CHUYÊN NGÀNH: TÀI CHÍNH - NGÂN HÀNG

MÃ SỐ: 7340201

NGƢỜI HƢỚNG DẪN KHOA HỌC

TS. NGUYỄN THẾ BÍNH

TP. HỒ CHÍ MINH, NĂM 2020

i

TÓM TẮT

Hiện nay, trong xu thế hội nhập toàn cầu, nhiều NHTM đang chuyển hướng

phát triển theo mô hình ngân hàng bán lẻ đa năng, trong đó cho vay khách hàng cá

nhân là một trong những hoạt động được các NHTM nói chung và Ngân hàng

TMCP Công Thương Việt Nam nói riêng đặc biệt quan tâm bởi vì đây là thị trường

rất tiềm năng. Là một trong những chi nhánh của Ngân hàng TMCP Công Thương

Việt Nam, Ngân hàng TMCP Công Thương Việt Nam - Chi nhánh Bình Dương luôn

bám sát định hướng, không ngừng tập trung mở rộng cho vay KHCN trên địa bàn và đã

đạt được những kết quả đáng khích lệ. Tuy nhiên hoạt động cho vay KHCN của chi

nhánh còn tồn tại một số hạn chế nhất định. Khóa luận nghiên cứu nhằm mục đích

đánh giá hoạt động cho vay khách hàng cá nhân tại Ngân hàng TMCP Công

Thương Việt Nam – Chi nhánh Bình Dương giai đoạn 2016 – 2018, làm rõ những

hạn chế và nguyên nhân dẫn đến những hạn chế đó. Từ đó đề xuất các giải pháp và

kiến nghị nhằm góp phần mở rộng cho vay khách hàng cá nhân tại chi nhánh.

Khóa luận sử dụng phương pháp nghiên cứu định tính, thu thập số liệu thứ cấp

từ các báo cáo kết quả hoạt động kinh doanh của Ngân hàng TMCP Công Thương

Việt Nam – Chi nhánh Bình Dương từ năm 2016 – 2018. Xử lý số liệu thứ cấp bằng

phân tích và so sánh số liệu thứ cấp đã thu thập, sau đó tổng hợp để đánh giá để

thực trạng mở rộng cho vay khách hàng cá nhân tại chi nhánh.

Kết quả nghiên cứu cho thấy Ngân hàng TMCP Công Thương Việt Nam – Chi

nhánh Bình Dương đã đạt được kết quả: dư nợ cho vay khách hàng cá nhân tăng

trưởng, tỷ trọng dư nợ cho vay khách hàng cá nhân trong tổng dư nợ của chi nhánh

tăng, số lượng khách hàng cá nhân vay vốn tăng, sản phẩm cho vay khách hàng cá

nhân đáp ứng đầy đủ nhu cầu của khách hàng, lợi nhuận từ cho vay khách hàng cá

nhân tăng. Bên cạnh đó còn tồn tại một số hạn chế nhất định: số lượng khách hàng

cá nhân vay vốn chưa xứng với tiềm năng của địa bàn, cơ cấu dư nợ các sản phẩm

cho vay khách hàng cá nhân không cân đối. Từ những hạn chế đó, tác giả đề xuất ra

những giải pháp và kiến nghị nhằm mở rộng cho vay khách hàng cá nhân tại Ngân

hàng TMCP Công Thương Việt Nam – Chi nhánh Bình Dương trong tương lai.

ii

ABSTRACT

Along with the development of the economy as well as the active opening of

integration with the world economy, the banking industry especially the

Commercial Banks has increasingly affirmed its role as an important part in the

economy. In recent years, the activities of Commercial Banks have made strong

changes which contributes significantly to the growth of the economy of Viet Nam.

Furthermore, it can be seen that promoting retail banking is an indispensable

development trend of most Commercial Banks since this helps Commercial Banks

bring stable revenue sources for long-term development. Particularly, individual

customer is defined as a target customer of Commercial Bank because of the great

development opportunities in this group of customers. In fact, Commercial Banks

are always concentrating on attracting individual customers to open the loans.

Vietnam Joint Stock Commercial Bank for Industry and Trade has been

constantly innovating its operation method to be in accordance with the trend of the

modern economy since its commencement. One of the major transformations is that

in 2015, Vietnam Joint Stock Commercial Bank for Industry and Trade successfully

transformed into a retail banking model and the next task after that transformation is

to expand the retail banking, in which has personal loans.

In compliance with the guidance of Vietnam Joint Stock Commercial Bank

for Industry and Trade, Vietnam Joint Stock Commercial Bank for Industry and

Trade – Binh Duong Branch is also focusing on expanding retail banking paying

special attention to extend personal loans. In recent years, Vietnam Joint Stock

Commercial Bank for Industry and Trade – Binh Duong Branch has achieved certain

successes. However, there are still many limitations that make this activity not really

effective. Moreover, to compete with other Commercial Banks in Binh Duong

Province, that it is necessary to have solutions to overcome those limitations in order

to extend lending to individual customers at this branch.

iii

Recognizing the importance of this issue, the writer has chosen the topic

"Personal loans extension at Vietnam Joint Stock Commercial Bank for Industry

and Trade – Binh Duong Branch" as the topic of the research.

The objectives of the research contain the overall objective and the detail

objectives. The overall objective is to assess personal loans extension at Vietnam

Joint Stock Commercial Bank for Industry and Trade - Binh Duong Branch in the

period of 2016 to 2018 and propose solutions and recommendations that contribute

to personal loans extension at Vietnam Joint Stock Commercial Bank for Industry

and Trade – Binh Duong Branch. Detail objectives are: (1) The theoretical basis of

personal loans and the theoretical basis of personal loans extension at Commercial

Bank. (2) Analyze and assess the actual situation of personal loans extension at

Vietnam Joint Stock Commercial Bank for Industry and Trade – Binh Duong

Branch from 2016 to 2018. Clarify the limitations and causes leading to those

limitations. (3) Proposing solutions and recommendations that contribute to

personal loans extension at Vietnam Joint Stock Commercial Bank for Industry and

Trade – Binh Duong Branch in the future.

The research question is what solutions and recommendations should be

implemented to expand personal loans at Vietnam Joint Stock Commercial Bank for

Industry and Trade – Binh Duong in the near future.

About subjects and scopes of the research. The research subjects are the issues

of personal loans and the expansion of personal loans for clients at Vietnam Joint

Stock Commercial Bank for Industry and Trade - Binh Duong Branch. The research

scope contains spatial scope and time scope. Spatial scope focuses on researching

personal loans extension at Vietnam Joint Stock Commercial Bank for Industry and

Trade – Binh Duong Branch. Time scope is personal loans extension at Vietnam

Joint Stock Commercial Bank for Industry and Trade – Binh Duong in the period

from 2016 – 2018.

iv

The research uses qualitative methods: Secondary data collecting methods and

Secondary data processing methods. Secondary data collecting method is the use of

secondary data collected from the income statements of Vietnam Joint Stock

Commercial Bank for Industry and Trade – Binh Duong Branch from 2016 to 2018

and other research works, scientific journals, and finance that are relevant.

Secondary data processing methods includes using the methods of analyzing and

comparing the collected secondary data as a basis for analyzing the actual situation

of personal loans extension at Vietnam Joint Stock Commercial Bank for Industry

and Trade - Binh Duong Branch prior to using the synthesis method to assess the

research problem and draw conclusions.

Contribution of the research: The research provides empirical evidence on

personal loans to help Vietnam Bank for Industry and Trade – Binh Duong Branch

gain more policies and plans extend lending to individual customers at Vietnam

Bank for Industry and Trade – Binh Duong Branch efficiently, also bringing high

profit and competitiveness with other Commercial Banks in the region in the future.

In addition to the introduction, conclusion and references, the research consists

of 3 main chapters:

Chapter 1: The theoretical basis of personal loans and the theoretical basis of

personal loans extension at Commercial Bank.

This chapter presents the theoretical basis of personal loans and the theoretical

basis of personal loans extension at Commercial Bank. The theoretical basis of

personal loans includes the definitions, characteristics, roles and forms of personal

loans. The theoretical basis of personal loans extension includes the definitions and

assessment criteria of personal loans extension at Commercial Bank such as:

personal loans outstanding balance, the number of individual customers, the number

and structure of personal loans, and the profits from personal loans. These

theoretical bases will be a firm basis to analyze the actual situation of personal loans

extension at Vietnam Joint Stock Commercial Bank for Industry and Trade – Binh

v

Duong Branch in Chapter 2. Additionally, there are also some experiences in

personal loans extension at other Commercial Banks in Binh Duong Province. The

writer expects these experiences could benefit the personal loans extension at

Vietnam Joint Stock Commercial Bank for Industry and Trade – Binh Duong

Branch.

Chapter 2: The actual situation of personal loans extension at Vietnam Joint

Stock Commercial Bank for Industry and Trade – Binh Duong Branch.

This chapter introduces Vietnam Joint Stock Commercial Bank for Industry

and Trade – Binh Duong Branch as well as its operation in the period from 2016 to

2018. After that, analyzing the situation of personal loans extension at Vietnam

Joint Stock Commercial Bank for Industry and Trade – Binh Duong Branch in the

period from 2016 to 2018 based on the following assessment criteria: personal loans

outstanding balance, the number of individual customers, the number and structure

of personal loans, and the profits from personal loans. Since then, the research

assesses the actual situation of personal loans extension from 2016 – 2018 and then

clarifying the successes achieved and the limitations as well as the causes leading to

those limitations to be overcome.

Chapter 3: The solutions to personal loans extension at Vietnam Joint Stock

Commercial Bank for Industry and Trade – Binh Duong Branch.

Based on the objectives of personal loans extension at Vietnam Joint Stock

Commercial Bank for Industry and Trade – Binh Duong Branch in the coming years

and the limitations as well as the causes leading to those limitations mentioned in

Chapter 2, the research proposes the solutions to personal loans extension at

Vietnam Joint Stock Commercial Bank for Industry and Trade – Binh Duong

Branch in the near future. At the same time, the writer makes some

recommendations to the Head Office of Vietnam Joint Stock Commercial Bank for

Industry and Trade to facilitate the actualization of these proposed solutions.