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T N DNG NG N H NG Nghip v NHTM Commercial Banking

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T n d ng ng n h ng nghi p v nhtm commercial banking

TN DNG NGN HNG

(Nghip v NHTM

Commercial Banking)

Ging Vin: L Trung Hiu

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Y u c u v th i l ng

Yu cu v thi lng

  • YU CU

    c th hc tp v lnh hi tt mn hc ny, hc vin cn phi c cc kin thc v Kinh t hc, Ti chnh tin t...

  • THI LNG

    Mn hc c thit k trong thi lng 45 tit.

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N i dung m n h c

Ni dung mn hc

  • Chng 1: Tng quan v Ngn hng thng mi.

  • Chng 2: Nghip v ngun vn trong ngn hng thng mi.

  • Chng 3: Nhng vn chung v tn dng ngn hng.

  • Chng 4: Tn dng ngn hn ti tr kinh doanh cho doanh nghip.

  • Chng 4: Nghip v chit khu v bao thanh ton.

  • Chng 5: Tn dng trung di hn ti tr d n u t.

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T i li u tham kh o

Ti liu tham kho

  • PGS.TS Nguyn ng Dn, Nghip v ngn hng thng mi, Nh xut bn thng k, Nm 2007.

  • Nguyn Minh Kiu. Nghip v Ngn hng hin i. Nh Xut bn Thng k. 2007

  • P. Rose. Qun tr ngn hng thng mi. Bn dch Vit ng ca i hc Kinh t Quc dn (2001).

  • Lut cc t chc tn dng, Nh xut bn chnh tr quc gia, nm 2004.

  • Gio trnh Lut ngn hng Vit Nam, Trng i hc Lut H Ni, Nh xut bn Cng an nhn dn, Nm 2005.

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H nh th c nh gi

Hnh thc nh gi

  • Qu trnh: 40%

  • Bi tp nhm (tiu lun): 20%

  • Kim tra gia k: 20%

  • Kim tra ht mn: 60%

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Th ng tin gi ng vi n

Thng tin ging vin

  • H v tn: L Trung Hiu

  • B phn cng tc: B mn kinh t - TVU

  • Chc v: Trng b mn

  • in thoi: 0939.999.983

  • Mail:

  • [email protected]

  • [email protected]

  • [email protected]

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Ch ng 1 t ng quan v nhtm

Chng 1:

TNG QUAN V NHTM

  • Khi nim v bn cht ca NHTM

  • Chc nng v phn loi ca NHTM

  • T chc v b my ca ngn NHTM

  • Thu nhp chi ph v li nhun ca NHTM

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I b n ch t v ch c n ng c a nhtm

I. Bn cht v chc nng ca NHTM

  • Khi nim v NHTM:

    nh ngha ngn hng theo Lut CH Php: ngn hng l nhng doanh nghip (entreprises) hoc c s lm ngh thng xuyn nhn ca cng chng, di hnh thc k thc hoc hnh thc khc, nhng khon tin m n dng v li ch ca mnh, vo nghip v chit khu, nghip v tn dng hoc nghip v ti chnh.

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I b n ch t v ch c n ng c a nhtm tt

I. Bn cht v chc nng ca NHTM (tt)

  • L t chc ti chnh cung cp mt danh mc cc dch v ti chnh a dng nht, c bit l tn dng, tit kim v dch v thanh ton, v thc hin nhiu chc nng ti chnh nht so vi bt k t chc kinh doanh no trong nn kinh t.

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I b n ch t v ch c n ng c a nhtm tt1

I. Bn cht v chc nng ca NHTM (tt)

  • nh ngha ngn hng theo Lut cc T chc tn dng (Vit Nam):

  • T chc tn dng: doanh nghip c thnh lp hot ng kinh doanh tin t, lm dch v ngn hng vi ni dung nhn tin gi v s dng tin gi cp tn dng v cung ng cc dch v thanh ton.

  • Ngn hng: l t chc tn dng c thc hin ton b cc hot ng ngn hng v cc hot ng kinh doanh khc c lin quan.

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I b n ch t v ch c n ng c a nhtm tt2

I. Bn cht v chc nng ca NHTM (tt)

Theo lut Ngn hng Vit Nam 2005:

Ngn hng l loi hnh t chc tn dng c thc hin ton b hot ng ngn hng v cc hot ng kinh doanh khc c lin quan

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I b n ch t v ch c n ng c a nhtm tt3

I. Bn cht v chc nng ca NHTM (tt)

  • T chc tn dng l doanh nghip hot ng kinh doanh tin t, lm dch v ngn hng. Ni dung kinh doanh ch yu ca t chc tn dng l nhn tin gi v s dng tin gi cp tn dng, cung ng cc dch v thanh ton.

  • T chc tn dng l ngn hng.

  • T chc tn dng phi ngn hng (khng c nhn tin gi khng k hn, khng lm dch v thanh ton).

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T n dng ng n h ng nghip v nhtm commercial banking

  • Cc loi giao dch c coi l giao dch ngn hng bao gm: Huy ng vn di hnh thc tin gi, cho vay, mua bn cc giy t c gi ngn hn, cung cp dch v thanh ton, dch v bo lnh

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Nh v y ng n h ng l g

Nh vy, ngn hng l g?

  • Ngn hng l mt lai hnh doanh nghip

  • Hot ng ca ngn hng thng mi l hot ng kinh doanh

  • Ngn hng thng mi l mt trung gian tn dng

  • Ngn hng thng mi l mt lai hnh doanh nghip c bit

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T n dng ng n h ng nghip v nhtm commercial banking

2. Qu trnh ra i v pht trin ca NHTM:

  • Giai on u (3500 nm trc Cng nguyn): -> Giai on s khai hnh thnh ngh ngn hng. Cc cuc chin din ra trin min gia cc b tc, tnh trng cp bc, tranh ginh nh hng trong x hi ngy cng ph bin; tin c bng kim loi (ng, bc, vng) xut hin trong lu thng tuy cn rt n gin.

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T n dng ng n h ng nghip v nhtm commercial banking

  • iu trn lm ny sinh 2 yu cu:

  • Lm sao bo v an ton tin bc ca mnh trong iu kin c cp bc v chin tranh xy ra ph bin.

  • Lm sao chuyn i nhng ng tin b hao mn thnh nhng ng tin c y trng lng lu thng 1 cch bnh thng.

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T n dng ng n h ng nghip v nhtm commercial banking

  • p ng 2 yu cu ny giai on ny ch c cc cha chin, cc nh th v nhng ngi quyn qu trong x hi, nhng th kim honNgh ngn hng ra i vi nghip v n gin: nhn bo qun tin v c tr th lao bo qun; i tin c v n hoa hng i tin. Ngh ngn hng s khai xut hin t Hy Lp ri lan ra cc nc khc.

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T n dng ng n h ng nghip v nhtm commercial banking

  • n th k th VIII trc cng nguyn, hot ng ca nhng ngi bo qun v i tin tin trin thm mt bc mi. H khng nhng thu nhn bo qun, i tin m cn s dng s tin bo qun cho vay.

  • n th k th III trc cng nguyn, La M chinh phc nhiu nc v chnh tr v qun s v tr thnh 1 quc giu c bc nht v ngh ngn hng c m rng ti y.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Chnh quyn La M cho php nhng ngi hnh ngh ngn hng m tim kinh doanh trn cc h ph vi phng tin ch yu l nhng ci bn di (Bancus) c chia nhiu ngn ct gia bo qun tin v cc ti sn khc

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T n dng ng n h ng nghip v nhtm commercial banking

  • Giai on 2: t th k th V n X sau cng nguyn.

    -Giai on ny cc ch ngn hng bit cch s dng s hiu ti khon ghi chp theo di tin gi ca cc thn ch (theo di s tin cho vay, thu n, li)

  • Nghip v thanh ton b tr cng c cc NH p dng trong cc giao dch thanh ton gia cc i tng.

  • T th k XII XVI sau cng nguyn, cc nghip v ngn hng pht trin a dng v phong ph: nghip v chuyn tin, tr tin trc cho cc thng phiu cha n hn (chit khu)

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T n dng ng n h ng nghip v nhtm commercial banking

  • Giai on 3: T th k XVIII n u th k XX:

  • H thng NH pht trin nhanh chng, cc NH chy ua cnh tranh hnh thnh 2 h thng NH:

    + H thng NH pht hnh -> NH trung ng.

    + H thng NHTM

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T n dng ng n h ng nghip v nhtm commercial banking

  • Tm li qua s phn tch lch s pht trin ca h thng ngn hng trung gian, c th ni NHTM ra i bng 2 con ng:

    -Th nht, nhng ngi chuyn lm ngh kinh doanh tin c dn dn tch ly c s vn, chuyn sang hot ng cho vay nng li, ri cng vi s pht trin ca x hi, vi sc p t nh nc v Gio hi, h tng bc h thp li sut cho vay, m rng cc nghip v hnh thnh cc NH c t TK XIII tr v trc.

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T n dng ng n h ng nghip v nhtm commercial banking

-Th hai, cc nh kinh doanh trong lnh vc cng thng nghip, dch v, ng trc gnh nng li sut ca NH cho vay nng li, lm cho h phi hp lc li vi nhau, hn vn, gp vn lp ra cc Hi tn dng v sau pht trin thnh cc NHTM hot ng kinh doanh ngn hng vi li sut thch hp v va phi. Nhng ngn hng loi ny ra i vo khong TK XVI tr v sau.

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T n dng ng n h ng nghip v nhtm commercial banking

  • VN, thi k phong kin cha c cc t chc tn dng, tuy c tn ti vi t chc cho vay nng li, cc nh cm nhng nhn chung cha hnh thnh h thng tn dng nh cc nc.

  • n nm 1875 mi thnh lp NH lin ban ng Dng thuc Php (Ngn hng ng Dng). y l NH u tin thnh lp VN thc hin vic pht hnh tin, ng thi thc hin cc hot ng ca 1 NH thng mi.

  • Nm 1954, NH ng Dng chm dt s tn ti v hot ng trn lnh th VN.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Sau CM thng 8, Chnh ph VN dn ch cng ha ra i, NN Vit Nam xy dng h thng Ti chnh ngn hng phc v cho s pht trin kinh t - x hi.

  • 6/5/1951 thnh lp NH quc gia VN (national bank of VN) theo sc lnh 15/LCT ca Ch tch Nc VN dn ch cng ha.

  • 1961 i tn thnh NHNNVN (State Bank of VN SBV) cho n nay.

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T n dng ng n h ng nghip v nhtm commercial banking

  • T ngy 6/5/1951 n 26/3/1988, NNHNVN hot ng theo m hnh NH mt cp va thc hin cc chc nng nhim v ca NHTW (Central Bank) va thc hin cc hot ng ca NHTM (Commercial Bank)

  • T 4/1998 n nay, h thng m hnh NH 1 cp chuyn i thnh h thng NH 2 cp, trong NH cp 1 l NHNN Vit Nam ch thc hin chc nng, nhim v vn c ca NHTW, cn NH cp 2 bao gm cc NHTM, cc t chc tn dng khc, hot ng kinh doanh trong lnh vc tin t - ngn hng.

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S l ng ng n h ng 1991 2008

S lng ngn hng 1991 - 2008

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Th ph n cho vay 2000 2008

Th phn cho vay 2000 - 2008

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Th ph n huy ng v n 2000 2008

Th phn huy ng vn 2000 - 2008

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T n dng ng n h ng nghip v nhtm commercial banking

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T n dng ng n h ng nghip v nhtm commercial banking

3. Bn cht ca NHTM:

NHTM l 1 loi hnh DN c bit trong nn kinh t - hot ng kinh doanh tin t v dch v ngn hng, bn cht ca NHTM th hin qua cc kha cnh sau:

  • NHTM l 1 loi hnh DN v l 1 n v kinh t, c c cu,t chc b my nh 1 DN

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T n dng ng n h ng nghip v nhtm commercial banking

  • Hot ng kinh doanh ca NHTM l hot ng kinh doanh tin t v dch v NH.

  • Hot ng ca NHTM l hot ng kinh doanh. hot ng kinh doanh, cc NHTM phi c vn (vn c cp nu l NH cng, c c ng gp vn nu l NH c phn), phi t ch v ti chnhtrn c s chp hnh php lut ca Nh nc.

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Ii ch c n ng v ph n lo i nhtm

II. Chc nng v phn loi NHTM

  • Chc nng ca NHTM:

  • Chc nng trung gian tn dng: Bao gm trung gian tn dng v trung gian thanh ton gia cc doanh nghip trong nn kinh t.

    y l chc nng quan trng ca NHTM, n khng nhng cho thy bn cht ca NHTM m cn cho thy nhim v chnh yu ca NHTM.

    Trong chc nng ny NHTM ng vai tr l ngi trung gian tn dng ng ra tp trung, huy ng cc ngun vn tin t tm thi nhn ri trong nn kinh t bin n thnh ngun vn tn dng cho vay.

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T n dng ng n h ng nghip v nhtm commercial banking

Thu nhn tin gi tit kim, pht hnh k phiu, tri phiu

Cng ty, x nghip, t chc kinh t, c nhn

Cng ty, x nghip, t chc kinh t, c nhn

Ngn hng thng mi

Cp tn dng

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T n dng ng n h ng nghip v nhtm commercial banking

  • Thc hin chc nng trung gian tn dng, cc NHTM thc hin nhng nhim v c th sau y:

  • Nhn tin gi khng k hn, c k hn ca cc n v kinh t cc t chc v c nhn bng ng tin trong nc v ngoi t.

  • Nhn tin gi tit kim ca cc t chc v c nhn.

  • Pht hnh k phiu v tri phiu NH huy ng vn trong x hi.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Cho vay ngn hn, trung v di hn i vi cc n v, c nhn.

  • Chit khu thng phiu v cc chng t c gi i vi cc n v c nhn.

  • Cho vay tiu dng, cho vay tr gp v cc loi hnh tn dng khc i vi t chc v c nhn.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Chc nng trung gian tn dng ca NHTM c vai tr v tc dng rt to ln i vi nn kinh t:

  • Nh thc hin chc nng ny m h thng ngn hng thng mi huy ng v tp trung hu ht cc ngun vn tin t tm thi nhn ri ca x hi, bin tin nhn ri t ch l phng tin ct tr thnh ngun vn ln ca nn kinh t.

  • Nh thc hin chc nng ny m h thng NHTM cung ng 1 khi lng ln vn tn dng cho nn kinh t.

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T n dng ng n h ng nghip v nhtm commercial banking

-Chc nng to tin: Tc l chc nng sng to ra bt t gp phn gia tng khi lng tin t cho nn kinh t.

Khi kt hp chc nng trung gian tn dng v chc nng trung gian thanh ton to cho ngn hng thng mi kh nng to ra tin ghi s th hin trn ti khon tin gi thanh ton ca khch hng ti ngn hng thng mi. T mt lng tin gi ban u, qua nghip v cho vay di hnh thc chuyn khon, lm cho s d trn ti khon tin gi trong h thng ngn hng thng mi tng ln.

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B ng t m t c qu tr nh t o ti n c a c c ng n h ng trung gian t l d tr b t bu c 10 n v t nh ng

Bng tm tc qu trnh to tin ca cc ngn hng trung gian T l d tr bt buc: 10% (n v tnh: ng)

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T n dng ng n h ng nghip v nhtm commercial banking

  • Chc nng trung gian thanh ton:

  • Ngn hng thc hin chc nng trung gian thanh ton lm cho n tr thnh th qu cho khch hng. khi NHTM thc hin theo yu cu ca khch hng nh trch mt khon tin trn ti khon tin tin gi thanh ton tin hng ha, dch v hoc nhp vo mt khon tin gi ca khch hng t bn hng ha hoc cc khon thu khc.

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T n dng ng n h ng nghip v nhtm commercial banking

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T n dng ng n h ng nghip v nhtm commercial banking

  • Chc nng sn xut (Cung ng dch v ngn hng): Bao gm vic huy ng v s dng cc ngun lc to ra sn phm v dch v ngn hng cung cp cho nn kinh t.

  • Dch v ngn hng c 2 c im:

    + Th nht, l cc dch v m ch c NH vi nhng u th ring ca n mi c th thc hin c 1 cch trn vn v y .

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T n dng ng n h ng nghip v nhtm commercial banking

+ Th hai, l cc dch v gn lin vi hot ng NH khng nhng cho php NHTM thc hin yu cu ca khch hng m cn h tr tch cc NHTM thc hin tt chc nng ca NH.

Dch v NH m NHTM cung cp cho khch hng khng ch thun ty hng hoa hng v dch v ph m cn c tc dng h tr cc mt hot ng chnh ca NHTM m trc ht l hot ng tn dng.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Mt s dch v in hnh:

  • Dch v ngn qu v chuyn tin nhanh quc ni;

  • Dch v kiu hi v chuyn tin nhanh quc t;

  • Dch v y thc (bo qun, thu h, chi h...)

  • Dch v t vn u t, cung cp thng tin;

  • Dch v ngn hng in t.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Phn loi ca NHTM:

  • Da vo hnh thc s hu:

    + NHTM quc doanh: NHTM c thnh lp bng 100% vn NSNN.

    + NHTM c phn: L NHTM c thnh lp di hnh thc cng ty c phn.

    + NHTM lin doanh: L ngn hng thnh lp bng vn lin doanh gia 1 bn NHVN v 1 NH nc ngoi c tr s ti VN.

    + Chi nhnh NHTM nc ngoi: l NH c lp theo lut nc ngoi, c php m chi nhnh ti VN, hot ng theo php lut VN.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Da vo chin lc kinh doanh:

    + Ngn hng bn bun: danh mc sn phm khng nhiu nhng gi tr tng sn phm rt ln. Khch hng thng l cc doanh nghip ln, cc cng ty a quc gia.

    + Ngn hng bn l: danh mc sn phm rt nhiu nhng gi tr tng sn phm khng ln. Khch hng thng l doanh nghip nh v va, h gia nh.

    + Ngn hng va bn bun va bn l.

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T n dng ng n h ng nghip v nhtm commercial banking

-Da vo quan h t chc:

+ Ngn hng hi s;

+ Ngn hng chi nhnh cp 1 v cp 2;

+ Phng giao dch.

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T n dng ng n h ng nghip v nhtm commercial banking

  • NHTM quc doanh VN hin nay:

  • NH Cng thng Vit Nam; (Industrial and Commercial Bank of Viet Nam ICBV)

  • NH nng nghip v pht trin nng thn VN; (Bank for Argiculture and rural Development of VN BARDV)

  • NH u t v pht trin VN; (Bank for Investment and development of VN BIDV)

  • NH pht trin nh ng bng Sng Cu Long; (Mekong Delta Housing Development Bank MHB)

  • NH ngoi thng Vit Nam (Bank for Foreign Trade of Vietnam BFTV)

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Iii c c u t ch c nhtm

III. C cu t chc NHTM

  • C cu t chc ca NHTMCP thng thng:

  • Hi s vi y cc phng: phng giao dch, Phng tn dng, Phng thanh ton quc t, Phng kinh doanh ngoi t, Phng ngn qu, Phng hnh chnh t chc, Phng quan h quc t, Phng cng ngh thng tin.

  • Chi nhnh, bao gm chi nhnh cp 1 v cp 2 cc a phng.

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T n dng ng n h ng nghip v nhtm commercial banking

-Phng giao dch hoc im giao dch trc thuc chi nhnh, thng m nhng ni ng dn c v c nhu cu giao dch vi ngn hng nh siu th, trng hc, khu cng nghip

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T n dng ng n h ng nghip v nhtm commercial banking

  • Hi s chnh:

    Mi NH u c hi s chnh thng t ti cc trung tm kinh t - ti chnh ca c nc hoc khu vc, a phng.

    Hi s chnh l ni t tr s lnh o v iu hnh thng nht ca ton h thng. B my lnh o v iu hnh cao nht ca 1 NHTM t ti hi s chnh.

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T n dng ng n h ng nghip v nhtm commercial banking

  • S giao dch v cc chi nhnh:

    SGD v cc chi nhnh l nhng n v trc thuc hi s - l ni thc hin giao dch vi khch hng, l ni thc hin cc nghip v ca NHTM. Tt c cc mt hot ng ca NHTM u c thc hin ti cc s giao dch v cc chi nhnh ca 1 ngn hng.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Phng giao dch v cc qu tit kim:

    L cc c s thc thuc s giao dch hoc chi nhnh, y l nhng c s giao dch vi khch hng v huy ng vn v cho vay theo s phn cp ca SGD v chi nhnh. Phng giao dch v qu tit kim l nhng n v hch ton ph thuc hon ton.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Cc cng ty trc thuc c t cch php nhn, hch ton c lp:

    NHTM c php lp cc cng ty con hot ng c lp trong 1 ngnh ngh nht nh ph hp vi php lut (Cty cho thu ti chnh, Cty chng khon, Cty qun l n v khai thc ti sn, Cty kinh doanh vng bc qu, Cty bo him, Cng ty du lch a c, Cty t vn ti chnh tin t..)

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C c c i m c a m t ng n h ng nh

Cc c im ca mt ngn hng nh

  • Hat ng tp trung vo cng ng doanh nghip nh v va v dn c vi nhng s tin k thc tng i nh.

  • Quan h cht ch gia lnh o ngn hng, ngi ng u cc b phn v nhn vin.

  • Ngn hng thng chu s nh hng bi nhng thay i kinh t-x hi ca a phng.

  • C hi vic lm v mi quan h cht ch vi khch hng

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M h nh t ch c c a m t ng n h ng nh

M hnh t chc ca mt ngn hng nh

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C c c i m c a m t ng n h ng l n

Cc c im ca mt ngn hng ln

  • Thuc quyn kim sot ca mt cng ty m

  • Nng lc iu hnh ca ngi lnh o cao nht

  • Do qui m, a bn hat ng rng ln, cc ri ro nhiu khi ch bc l sau mt thi gian

  • Cc li th so vi ngn hng nh:

  • a dng ha v sn phm v a l;

  • t ph thuc vo 1 ngnh, khu vc ring l;

  • Li th huy ng vn vi chi ph thp;

  • Li th khi tip cn mt th trng mi

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M h nh t ch c c a m t ng n h ng l n

M hnh t chc ca mt ngn hng ln

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Iv thu nh p chi ph v l i nhu n c a nhtm

IV. Thu nhp chi ph v li nhun ca NHTM

  • Thu nhp ca NH:

    Hot ng ca NHTM trong nn kinh t th trng l hot ng kinh doanh vi mc ch l li nhun. Mun thu c li nhun cao th vn then cht l qun l tt cc khon mc ti sn c, nht l cc khon mc cho vay v u t.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Thu nhp ca NH bao gm 4 khon mc:

  • Thu v hot ng tn dng (thu li cho vay, thu li chit khu, ph cho thu ti chnh, ph bo lnh)

  • Thu v dch v thanh ton v ngn qu (thu li tin gi, dch v thanh ton, dch v ngn qu

  • Thu t cc hot ng khc nh: (Thu li gp vn, mua c phn; Thu v mua bn chng khon; Thu v kinh doanh ngoi t, vng bc qu; thu v nghip v y thc, i l; Thu t dch v t vn; Thu kinh doanh bo him)

  • Cc khon thu khc bt thng.

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T n dng ng n h ng nghip v nhtm commercial banking

2. Chi ph ca NH:

  • Chi v hot ng huy ng vn: Tr li tin gi, tin tit kim, tin vay, k phiu, tri phiu

  • Chi v dch v thanh ton v ngn qu: Chi v dch v thanh ton, ngn qu (vn chuyn, kim m, bo v, ng gi), cc ph bu in, mng vin thng, chi v cc dch v khc.

  • Chi v cc hot ng khc: chi v mua bn chng khon, kinh doanh ngoi t, vng bc qu.

  • Chi np thu, cc khon ph, l ph.

  • Chi cho nhn vin.

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T n dng ng n h ng nghip v nhtm commercial banking

3. Li nhun ca NHTM:

Li nhun trc thu = Tng thu nhp Tng chi ph

Li nhun sau thu = Li nhun trc thu - Thu

Mun tng li nhun cn phi:

  • Tng thu nhp -> M rng tn dng -> Tng u t v a dng cc dch v NH.

  • Gim chi ph hot ng.

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T n dng ng n h ng nghip v nhtm commercial banking

  • nh gi cht lng hot ng kinh doanh NHTM, ngi ta s dng cc ch tiu sau y:

  • Ch tiu so snh gia li nhun (li rng) vi tng ti sn c trung bnh gi l h s ROA:

    ROA (Return On Asset) = Li nhun rng/ti sn c bnh qun.

    ngha: 1 ng ti sn c to ra bao nhiu ng li nhun. Ch tiu ny cho thy cht lng ca cng tc qun l ti sn c, ti sn sinh li cng ln th h s trn s cng ln.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Ch tiu so snh gia li nhun thun vi vn t c bnh qun ca NH. Ch tiu ny phn nh mt ng vn ch s hu to ra bao nhiu ng li nhun.

    ROE (Return On Equity) = Li nhun thun/ Vn t c bnh qun

    Ch tiu ny cho thy hiu qu hot ng KD ca NH, kh nng sinh li trn 1 ng vn ca NH. H s cng ln, kh nng sinh li ti chnh cng ln.

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T n dng ng n h ng nghip v nhtm commercial banking

  • Ch tiu t sut doanh li l ch tiu so snh gia li nhun rng vi s ti sn c sinh li.

    P = Li nhun thun/Tng ti sn c sinh li

    Trong ti sn c sinh li bao gm:

  • Cc khon cho vay

  • u t chng khon

  • Ti sn c sinh li khc

    Ch tiu ny cho thy hiu sut sinh li ca ti sn c sinh li. T sut ny cng gn ROA th hiu sut s dng ti sn ca NH cng ln.

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C c ch ti u nh gi c c u t i ch nh c a nhtm

CC CH TIU NH GI C CU TI CHNH CA NHTM

1/ D tr s cp/tng ngun vn

D tr s cp gm:

  • Tin mt ti qu.

  • Tin gi ti NHNN.

  • Tin gi cc t chc tn dng.

    Thng thng t l ny bin ng trong khong 15% n 20%.

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T n dng ng n h ng nghip v nhtm commercial banking

2/ D tr s cp/tng ngun huy ng:

Tng ngun huy ng gm:

  • Tin gi ca cc TCTD.

  • Vay NHNN v cc t chc tn dng khc,

  • Tin gi ca cc t chc kinh t v dn c;

  • Pht hnh giy t c gi.

    T l ny thng t 20% n 25%

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T n dng ng n h ng nghip v nhtm commercial banking

3/ Tng d n/Tng ngun huy ng

Tng d n gm:

  • Cho vay cc t chc tn dng khc

  • Cho vay cc TCKT v dn c

    T l thng thng 60% n 80%

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T n dng ng n h ng nghip v nhtm commercial banking

4/ Tng ngun vn huy ng trn tng ngun vn.

5/ Tng ngun vn huy ng trn vn ch s hu (H s n by)

6/ Thu nhp li/tng d n

7/Chi ph li/Tng huy ng

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So s nh roe m t s ng n h ng vn

SO SNH ROE MT S NGN HNG VN

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So s nh roa m t s ng n h ng vn

SO SNH ROA MT S NGN HNG VN

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