Phân tích hoạt động cho vay tiêu dùng ngân hàng Việt Nam Thịnh Vượng - phòng giao dịch Thủ Đức: Khóa luận đại học chuyên ngành tài chính ngân hàng / Nguyễn Ngọc Minh Tân ; người hướng dẫn khoa học Phan Thị Linh

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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ĐỀ CƢƠNG KHÓA LUẬN TỐT NGHIỆP

Chuyên ngành: Tài chính – Ngân hàng

Mã ngành: 52340201

PHÂN TÍCH HOẠT ĐỘNG CHO VAY TIÊU DÙNG

NGÂN HÀNG VIỆT NAM THỊNH VƢỢNG

PHÕNG GIAO DỊCH THỦ ĐỨC

Học viên thực hiện : Nguyễn Ngọc Minh Tân

Mã học viên : 030631151176

Lớp : HQ03-GE02

Giảng viên hƣớng dẫn : TS. Phan Thị Linh

Tp. Hồ Chí Minh, tháng 01 – 2020

i

ABSTRACT

In recent years, consumer lending services have been implemented by

many banks and achieved outstanding results. This is an indispensable

development trend in banking activities for the economy on the way of

development while people's living standards have been increasingly improved as

in Vietnam. This service satisfies the shopping needs of the people when they

cannot afford to buy it, boosting the consumption of products in the market and

boosting the economy. On the other hand, it also helps the bank to diversify its

products and distribute operational risks.

At Vietnam Prosperity Joint Stock Commercial Bank (VPBank) - Thu

Duc Transaction Office lending activities are also focused on the common

direction of VPBank. This activity has achieved many important achievements,

significantly contributing to the credit growth as well as the profitability of the

transaction office. However, there are still some shortcomings and limitations

that need to be fully understood to have appropriate solutions to ensure the

achievement of the objectives set by the bank for this activity.

In order to have a basis for completing consumer lending activities at

VPBank, Thu Duc Transaction Office and to make this operation achieve the

targets consistent with the bank's business strategy in the coming time, a

comprehensive analysis should be conducted to investigate the current status of

consumer lending activities of the branch. Therefore, the author chose the topic

"Analysis of consumer lending activities at Vietnam Prosperity Bank - Thu Duc

Transaction Office" as the topic of graduation report.

The content of chapter 1 clarifies the rationale for consumer lending

activities at commercial banks. Specifically, the author stated the concepts of

commercial banks, the concept of lending activities in general and consumer

lending in particular; characteristics, classification of consumer loans. In

addition, the system of criteria for evaluating consumer lending activities at

commercial banks is the basis for the author to analyze the situation in chapter 2.

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The content of chapter 2 has introduced background information of

VPBank, Thu Duc Transaction Office, main business areas and business results

of the Transaction Office in the last 3 years. The analysis of the current situation

of consumer lending at the Transaction Office has focused on the following:

consumer lending products at banks; consumer lending scale; consumer lending

structure and consumer lending assessment of bad debt, overdue debt and backup

provision. From the situation analysis, the final part of the chapter assesses the

achieved results as well as the limitations and causes of the restrictions on

consumer lending activities at VPBank, Thu Duc Transaction Office. These

assessments are the basis for the author to propose solutions to improve the

efficiency of consumer lending at VPBank Thu Duc in the next part.

- VPBank Thu Duc achievements include:

- A convenient location in the heart of Ho Chi Minh City: VPBank Thu

Duc Transaction Office has maximized its ability to reach customers from the

network, boosting capital mobilization, facilitating the quick delivery of products

and services. In order to provide bank‟s service to all customers. Thu Duc

VPBank has brought into full play the advantages of a multi-purpose commercial

bank, improving its competitiveness with domestic and foreign banks in Ho Chi

Minh City.

- The bank has a staff of experienced and many years working at the bank,

always fulfilling all assigned tasks.

- Consumer loan balance tends to increase, contributing to stabilizing loan

balance of transaction offices.

- Consumer loans are rated as having a high level of safety among the

lenders because of small loans, mostly mortgages or mortgages. With regard to

demand for loans for house purchase and repair, the security assets are mainly

land use rights and properties attached to land, followed by mortgage with land

use rights.

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- The ratio of overdue debts and bad debts is quite low and highly

recoverable. The bank takes debt collection and interest collection very

seriously. At the end of each month, credit officers call reminders and urge

customers to pay interest and pay debts, so the overdue debt time of the

transaction office is not much, still within the permitted limits.

- Consumer loan products of VPBank Thu Duc Transaction Office are

quite diverse, plentiful and meet the needs of many customers.

Limitations and reasons:

- Due to the small number of individual credit officers, individual credit

officers of the Transaction Office at once must take on too many jobs, reducing

the work efficiency.

- Consumer loans gradually account for a high proportion of total

consumer loans. However, the evaluation of the bank still faces many

difficulties, checking whether the customers' capital use is on the credit purpose

or not is still a problem. This is the point to consider to overcome in the future.

- With the advent of many new banks, the increasing competition has

reduced the customer market share of VPBank Thu Duc Transaction Office.

Therefore, banks need to increase marketing and advertising activities.

- Conditions for customers to obtain a consumer loan is still difficult, this

is a common limitation of Vietnamese commercial banking systems, which is

reflected in the condition of mortgage on assets. Banks have a mandatory

condition that they must have collateral to provide credit in this form.

- Unbalanced consumer lending structure: Although the consumer lending

products of the Thu Duc Transaction Office are also very diverse, the loan

balance is mainly concentrated on home loans and consumer loans. other.

Outstanding loans for study abroad or other consumer loans account for a very

small proportion.

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- The branch's consumer lending regulations and procedures are not

flexible, are still limited to the prescribed framework of VPBank, they are still

outstanding in limited terms, not meeting the market demand, such as loan size,

loan term, type of loan, request for documents proving income, proving that the

capital is too strict to obstruct customers.

- In addition, the processes of debt management and handling are

cumbersome, causing difficulties for customers.

- Advertising and marketing activities have not been effectively

implemented by Thu Duc VPBank due to the lack of a clear strategy as well as

lack of funding for implementation.

From analyzing the status of consumer lending activities at VPBank, Thu

Duc Transaction Office, assessing the achievements and weaknesses from which

to go into chapter 3 is presenting solutions to improve credit activity of VPBank

Thu Duc. These solutions include: Completing the consumer loan process,

Improving service quality, diversifying consumer loan products, Strengthening

inspection and supervision of the use of loans, repayment sources of customers

goods, Improve the quality of human resources. All the solutions mentioned

above, the ultimate goal is to make consumer lending at the Bank more and more

effective, meeting the development orientation and adding value to the bank.

We can see that the consumer loan market is really becoming a decisive competition

in the future of banks, a large number of the unknown population of consumer bank

loan services in the future. Hybrid will participate in this activity. Therefore,

VPBank Thu Duc Sub-branch needs specific activities to contribute to raising

public awareness about financial services as well as better meet the needs of this

market.

v

LỜI CAM ĐOAN CỦA TÁC GIẢ

Tôi xin cam đoan khóa luận tốt nghiệp này là công trình nghiên cứu thực sự

của cá nhân tôi. Xuất phát từ quá trình làm việc nghiêm túc dƣới sự hƣớng dẫn của

TS. Phan Thị Linh. Các số liệu trong khóa luận này có nguồn gốc rõ ràng đƣợc

cung cấp từ các Báo cáo tài chính và Báo cáo kết quả hoạt động kinh doanh của

Ngân hàng VPBank Phòng giao dịch Thủ Đức. Kết quả của khóa luận là trung thực

và chƣa đƣợc công bố trong bất kỳ công trình nào khác.

Sinh viên thực hiện

vi

MỤC LỤC

LỜI CAM ĐOAN CỦA TÁC GIẢ.............................................................................v

MỤC LỤC..................................................................................................................vi

DANH MỤC CÁC TỪ VIẾT TẮT ............................................................................x

DANH MỤC BẢNG BIỂU, SƠ ĐỒ VÀ HÌNH........................................................xi

MỞ ĐẦU.....................................................................................................................1

CHƢƠNG 1: CƠ SỞ LÝ LUẬN VỀ HOẠT ĐỘNG CHO VAY TIÊU DÙNG TẠI

NGÂN HÀNG THƢƠNG MẠI..................................................................................8

1.1. HOẠT ĐỘNG CHO VAY CỦA NGÂN HÀNG THƢƠNG MẠI .................8

1.1.1. Khái niệm cho vay của NHTM.....................................................................8

1.1.2. Chức năng của hoạt động cho vay của NHTM.............................................8

1.1.3. Phân loại cho vay ........................................................................................10

1.1.3.1. Căn cứ vào thời hạn cho vay................................................................10

1.1.3.2. Căn cứ vào mục đích............................................................................11

1.1.3.3. Căn cứ vào mức độ tín nhiệm đối với khách hàng ..............................11

1.1.3.4. Căn cứ vào hình thái của hoạt động cho vay .......................................11

1.2. HOẠT ĐỘNG CHO VAY TIÊU DÙNG CỦA NGÂN HÀNG THƢƠNG

MẠI.......................................................................................................................12

1.2.1. Khái niệm cho vay tiêu dùng ......................................................................12

1.2.2. Đặc điểm hoạt động cho vay tiêu dùng.......................................................12

1.2.3. Vai trò của cho vay tiêu dùng .....................................................................14

1.2.3.1. Đối với ngân hàng................................................................................14

1.2.3.2. Đối với ngƣời tiêu dùng .......................................................................14

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1.2.3.3. Đối với nền kinh tế...............................................................................14

1.2.4. Phân loại cho vay tiêu dùng ........................................................................15

1.2.4.1. Căn cứ vào cách thức thực hiện ...........................................................15

1.2.4.2. Căn cứ vào hình thức đảm bảo tiền vay...............................................16

1.2.4.3. Căn cứ vào mục đích vay.....................................................................16

1.2.4.4. Căn cứ vào phƣơng thức hoàn trả ........................................................17

1.2.5. Các nhân tố ảnh hƣởng đến cho vay tiêu dùng của NHTM........................17

1.2.5.1. Nhân tố khách quan..............................................................................17

1.2.5.2. Nhân tố chủ quan .................................................................................19

1.3. NỘI DUNG PHÂN TÍCH HOẠT ĐỘNG CHO VAY TIÊU DÙNG TẠI

NHTM...................................................................................................................20

1.3.1. Phân tích công tác tổ chức thực hiện quá trình cho vay tiêu dùng .............20

1.3.2. Phân tích kết quả hoạt động cho vay tiêu dùng...........................................22

1.3.2.1. Phân tích về tăng trƣởng quy mô cho vay tiêu dùng ...........................22

1.3.2.2. Phân tích cơ cấu cho vay tiêu dùng......................................................23

1.3.2.3. Phân tích về thu nhập từ hoạt động cho vay tiêu dùng ........................23

1.3.2.4. Phân tích rủi ro trong cho vay tiêu dùng..............................................24

CHƢƠNG 2: THỰC TRẠNG HOẠT ĐỘNG CHO VAY TIÊU DÙNG TẠI NGÂN

HÀNG THƢƠNG MẠI CỔ PHẦN VIỆT NAM THỊNH VƢỢNG PHÒNG GIAO

DỊCH THỦ ĐỨC ......................................................................................................27

2.1. GIỚI THIỆU VỀ NGÂN HÀNG THƢƠNG MẠI CỔ PHẦN VIỆT NAM

THỊNH VƢỢNG PHÒNG GIAO DỊCH THỦ ĐỨC...........................................27

2.1.1. Quá trình hình thành và phát triển của Phòng giao dịch.............................27

2.1.2. Cơ cấu tổ chức bộ máy quản lý của Phòng giao dịch .................................28

2.1.3. Kết quả hoạt động của Phòng giao dịch......................................................30