NGN HNG NH NC VIT NAMB GIO DC V O TO
TRNG I HC NGN HNG TP. H CH MINH
BO CO THC TP TT NGHIP
TI:
PHN TCH QUY TRNH HOT NG TIN GI TIT KIM TI NGN HNG BU IN LIN
VIT
SVTH : HONG NGUYN MINHLP : H 26HTTTDN GVHD :ThS. NGUYN PHNG
NAM
TP. H CH MINHNM 2014LI CM NTrong khong thi gian thc tp tuy rt
ngn ngi nhng rt hu ch cho ti vi thi gian nh vy ti hc hi v vn dng rt
nhiu cc kin thc c tip thu t cc thy c gio trong sut thi gian hc i
hc. Trong qu trnh thc tp, ti c nhiu ngi trc tip hoc gin tip to mi
iu kin thun li, ng vin, ch bo v hng dn ti hon thnh bo co thc tp tt
nghip.Trc ht, ti xin chn thnh cm n thy gio hng dn ThS. Nguyn Phng
Nam l ging vin khoa cng ngh thng tin, trng i hc Ngn Hng tn tnh hng
dn, ch bo, gip ti trong sut qu trnh nghin cu, thc hin bo co thc tp
tt nghip ny. ng thi, ti cng xin cm n cc thy c gio trong khoa cng
ngh thng tin ging dy ti trong qu trnh hc tp.Ti xin cm n cc cn b Ngn
hng Bu in Lin Vit, c bit l phng Core Banking-Khi Cng ngh thng tin
ni ti thc tp, cc anh ch ch bo tn tnh v to iu kin h tr, gip ti trong
qu trnh thc tp.Do kin thc cn hn hp, kin thc thc t t nn bo co cn c
thiu st, ti rt mong c s gp ca c ch, anh ch hng dn cng ty, thy gio
cng nh cc bn bo co c hon thin hn.
Ti xin chn thnh cm n !
NHN XT CA GING VIN HNG DNNGI NHN XT
.
NHN XT CA C S THC TP
NGI NHN XT
.
MC LCCHNG 1.TNG QUAN V NGN HNG BU IN LIN VIT11.1 Gii thiu v ngn
hng11.2 Lch s ra i v pht trin ca Ngn hng Bu in Lin Vit21.3 Gii thiu
cc hot ng c bn ca Ngn hng Bu in Lin Vit21.4 S t chc mt chi nhnh ti
Ngn hng Bu in Lin Vit31.5 S phng ban thc tp Khi CNTT ( Phng Core
Banking)41.5.1 S t chc khi CNTT41.5.2 Phng Core Banking4CHNG 2.Phn
tch QUY TRNH hot ng TIN GI TIT KIM NGN HNG BU IN LIN VIT72.1 Mt s
khi nim v h thng Core Banking72.1.1 Khi qut v h thng Core Banking
ti Ngn hng Bu in Lin Vit72.1.2 Li ch82.2 Mt s khi nim v tin gi tit
kim Ngn hng Bu in Lin Vit92.2.1 nh ngha v tin gi tit kim92.2.2 Li
ch ca tin gi tit kim92.2.3 Cc loi ti khon tin gi tit kim ca Ngn hng
Bu in Lin Vit102.2.4 i tng s dng tin gi tit kim ca Ngn hng Bu in
Lin Vit102.3 Qui trnh nghip v m ti khon tin gi tit kim102.4 Phn tch
m hnh chui gi tr ca hot ng m ti khon tin gi tit kim ca Ngn hng Bu
in Lin Vit122.5 Phn tch m hnh nm lc lng ca Porter v Millar ca hot
ng ti khon tin gi tit kim ca Ngn hng Bu in Lin Vit152.6 Phn tch h
thng ti khon tin gi tit kim ca Ngn hng Bu in Lin Vit162.7 Phn tch
ma trn SWOT v hot ng huy ng tin gi tit kim ti Ngn hng Bu in Lin
Vit17CHNG 3.MT S GII PHP NNG CAO HOT NG HUY NG TIN GI TIT KIM CA
NGN HNG BU IN LIN VIT193.1 Thc hin chnh sach khach hang va chin lc
marketing hiu qua193.2 Bi dng va nng cao trinh nghip vu cho nhn
vin193.3 n gin ha cc th tc gi tin v rt tin203.4 Ap dung chinh sach
lai sut linh hoat203.5 u tin pht trin CNTT203.6 Xy dng h thng call
center v h thng CRM (customer relationship management)213.7 Qun tr
ri ro nng cao an ton h thng tin gi tit kim21KT LUN22
DANH MC CC T VIT TT1. LPB: Ngn hng thng mi c phn Bu in Lin
Vit.2. TMCP: thng mi c phn.3. LVB: Ngn hng thng mi c phn Lin Vit.4.
CNTT: cng ngh thng tin.5. Core Banking Flexcube: l h thng ngn hng
li ca Ngn hng Bu in Lin Vit.6. PGDB: phng giao dch bu in.7. ATM
(Automatic Teller Machine): my rt tin t ng.8. NHNN: Ngn hng nh nc9.
CNPH: Chi nhnh pht hnh10. CRM (customer relationship management): h
thng qun l quan h khch hngDANH MC BNG BIUBng 2.1. Ma trn SWOT v hot
ng huy ng tin gi tit kim18DANH MC S Hnh 1.1: S t chc mt chi nhnh ti
Ngn hng Bu in Lin Vit3Hnh 1.2: S t chc khi CNTT4Hnh 1.3: S t chc ca
phng Core Banking5Hnh 2.1: S h thng Core Banking7Hnh 2.2: S m ti
khon tin gi tit kim11Hnh 2.3: S chui gi tr ca hot ng m ti khon12Hnh
2.4: S m hnh nm lc lng ca Porter v Millar15
iii
LI M U
H thng ngn hng thng mi vi chin lc huy ng vn trong v ngoi nc ang
l vn ht sc quan trng. Chng ta cn c nhng bin php, chnh sch hp l huy
ng, khai thc ht mi ngun vn tim nng trong dn c v trong cc t chc kinh
t p ng nhu cu vn cho x hi, ng thi m rng hot ng sn xut kinh doanh ca
ngn hng.Trong thi gian thc tp ti phng Core Banking Ngn hng TMCP Bu
in Lin Vit, ti tm hiu tnh hnh hot ng kinh doanh ca n v. Trong qu
trnh thc tp ti y ti thy nghip v huy ng tin gi tit kim l nghip v
quan trng, y tim nng gp phn huy ng ngun vn cho ngn hng l l do ti
chn ti bo co thc tp tt nghip Phn tch quy trnh hot ng tin gi tit kim
ti Ngn hng Bu in Lin Vit. Ni dung bi bo co gm ba chng :Chng 1:Tng
quan v Ngn hng Bu in Lin VitChng 2:Phn tch quy trnh hot ng tin gi
tit kim Ngn hng Bu in Lin VitChng 3:Mt s gii php nng cao hot ng huy
ng tin gi tit kim ca Ngn hng Bu in Lin Vit
1
CHNG 1.TNG QUAN V NGN HNG BU IN LIN VIT1.1 Gii thiu v ngn hngTn
y : Ngn hng TMCP Bu in Lin Vit.Tn Ting Anh: LienVietPostBank.Tn vit
tt: LPB.a ch: 32 Nguyn Cng Tr, p.1, thnh ph V Thanh, Hu
Giang.Website: www.lienvietpostbank.com.vnS mnhCung cp cho khch hng
v x hi cc sn phm, dch v a dng vi cht lng cao; Mang li li ch cao nht
cho Ngn hng Bu in Lin Vit v x hi.Tm nhnTr thnh ngn hng bn l hng u
Vit Nam - Ngn hng ca mi ngi.Chin lc kinh doanhBn l - Dch v - Kinh
doanh a nng.Gi tr ct liK cng - Sng to - Nhn bn.Trit l kinh doanhBa
iu hng tm ca Ngn hng Bu in Lin Vit:- Khng c con ngi, d n v ch;-
Khng c khch hng, ngn hng v ch;- Khng c Tm - Tn - Ti - Tm, Ngn hng
Bu in Lin Vit v ch.C ng: L nn tng ca ngn hng.Khch hng: L n nhn ca
ngn hng.Ngi lao ng: L sc mnh ca ngn hng.i tc: L bng hu ca ngn
hng.Sn phm, dch v: Khng ngng i mi, phc v nhng sn phm khch hng cn ch
khng phi sn phm ngn hng c. thc kinh doanh: Thng tn php lut; gn x hi
trong kinh doanh.
1.2 Lch s ra i v pht trin ca Ngn hng Bu in Lin VitNgn hng thng
mi c phn Bu in Lin Vit (tin thn l ngn hng TMCP Lin Vit -
LienvietBank) c thnh lp theo giy php thnh lp s 91/GP-NHNN ngy
28/03/2008 ca thng c ngn hng nh nc Vit Nam.C ng sng lp ca
LienVietBank l cng ty c phn Him Lam, tng cng ty thng mi Si Gn
(SATRA) v cng ty dch v hng khng sn bay Tn Sn Nht (SASCO) vi s vn iu
l ban u l 3.300 t ng.. Ngy 22/07/2011, ngn hng TMCP Lin Vit st nhp
vi Cng ty Tit kim Bu in VN Post (hot ng t 1999, thuc tng cng ty Bu
chnh Vin Thng), vi s vn gp ca cng ty tit kim Bu in vo LVB l 997 t
ng (chim 14.99% vn iu l ngn hng Lin Vit ti thi im st nhp). K t y,
ngn hng TMCP Lin Vit i tn thnh ngn hng TMCP Bu in Lin Vit (vit tt l
LPB). Hin nay, vi s vn iu l 6.010 t ng, LienVietPostBank hin l 1
trong 10 ngn hng thng mi c phn ln nht ti Vit Nam. Cc c ng v i tc
chin lc ca LienVietPostBank l cc t chc ti chnh ngn hng ln ang hot
ng ti Vit Nam v nc ngoi nh ngn hng Nng nghip v Pht trin Nng thn Vit
Nam (Agribank), ngn hng Wells Fargo (M), ngn hng Credit Suisse (Thy
S), cng ty Oracle Financial Services Software Limited 1.3 Gii thiu
cc hot ng c bn ca Ngn hng Bu in Lin VitCc nghip v v kinh doanh ngn
hng nh:Nghip v huy ng vn t hot ng nhn tin gi, pht hnh chng ch tin
gi, tri phiu v giy t c gi, vay vn ca cc t chc tn dng, vay vn ngn hn
ca Ngn hng Nh nc v hnh thc huy ng vn khc theo quy nh.Nghip v v cp
tn dng cho t chc, c nhn di hnh thc cho vay, chit khu thng phiu v
giy t c gi khc, bo lnh, cho thu ti chnh v cc hnh thc cp tn dng theo
quy nh.Dch v thanh ton v ngn qu.Cc hot ng khc nh gp vn, mua c phn
ca cc doanh nghip, tham gia th trng tin t, kinh doanh, thnh lp cng
ty trc thuc, hot ng y thc, nhn y thc, lm i l trong lnh vc lin quan
n hot ng ngn hng.1.4 S t chc mt chi nhnh ti Ngn hng Bu in Lin
Vit
Pht trin kinh doanhThm nh ti sn m boK tonBAN GIM CP. Khch hngP.
Qun l tn dngP. K ton ngn quP. Tng hpKim tra Kim sotKhch hng doanh
nghipQun l tn dngTellerK hoch tng hpKhch hng c nhnH tr tn dngQuHnh
chnh nhn sThmnhTi tr thng miHnh 1.1: S t chc mt chi nhnh ti Ngn hng
Bu in Lin Vit
Ngun: Bo co thng nin Ngn hng Bu in Lin Vit nm 2009
1.5 S phng ban thc tp Khi CNTT ( PhngCore Banking)1.5.1 S t chc
khi CNTT
Khi CNTTPhng Core bankingPhng Qun tr c s d liuPhng phn cngPhng h
tng bo mtPhng nghin cu v pht trin sn phm miPhng k thut v h trPhng
CNTT khu vc min trungHnh 1.2: S t chc khi CNTT
Ngun: Ngn hng Bu in Lin VitC cu t chc:a, Gim c khi;b, Ph gim c
khi;c, Cc trng/ ph trng phng;d, Cc trng b phn v cc chuyn vin.e, Nhn
s mi phng s c qun l, t chc, phn t thnh 2 khu vc hot ng ti min bc (H
Ni) v min nam (thnh ph H Ch Minh) trn c s iu phi ca Gim c khi/trng
phng kp thi phi hp h tr ph hp vi tnh cht c th cng vic h tr cc vng
min.f, Phng CNTT khu vc min trung s thc hin phi hp h tr ph hp vi
tnh cht c th cng vic h tr cc vng min.1.5.2 Phng CoreBankinga, Chc
nng ca phng Core Banking: Phng Core Banking l b phn nghip v ca Khi
CNTT, c chc nng tham mu, gip vic cho Gim c khi, Tng gim c qun l, iu
hnh h thng Core Banking ca ngn hng hot ng c n nh, an ton v hiu
qu.
b, S t chc ca phng Core Banking
Phng core bankingB phn vn hnh, ci t v h tr nghip vB phn h tr,
pht trin h thng bo coB phn qun l phng giao dch bu inHnh 1.3: S t
chc ca phng Core Banking
Ngun: Ngn hng Bu in Lin Vitc, Nhim v ca phng Core Banking Qun l
v khai thc d liu trong h thng phn mm Flexcube ti trung tm d liu; H
tr cc b phn nghp v, cc n v kinh doanh vn hnh chng trnh ng dng
Flexcube t hiu qu cao; Thit lp thng s h thng ng dng Flexcube, PGDB
cho chi nhnh mi Core Banking, ng dng PGDB; To phn quyn ngi s dng vo
h thng ng dng Flexcbe, phn mm PGDB; X l cui ngy h thng ng dng
Flexcube, PGDB; Tip nhn, qun l, ci t sn phm mi vo h thng ng dng
Flexcube, phn mm PGDB; Chy th cc sn phm mi khi c yu cu t pha cc b
phn nghip v; Son tho quy trnh hng dn s dng h thng ng dng Flexcube
khi c thay i v b sung chc nng mi; Thit k d liu, lu d liu phc v cho
bo co cn i, bo co thng k ton h thng. Vit cc chng trnh h tr bo co iu
hnh, bo co thng k; Trin khai cc ng dng mi trn h thng Flexcube, PGDB
cho cc n v v n v kinh doanh; Tham gia trin khai cc d n lin quan
Core Banking, PGDB, trin khai cc ng dng tch hp vo h thng Core
Banking, PGDB, pht trin ng dng khi c yu cu; Phi hp vi cc b phn, cc
n v chc nng, nghin cu ci tin v chun ha cc quy trnh nghip v ph hp vi
h thng ng dng ca ngn hng; Qun l v mt k thut v vn hnh cc h thng
thanh ton lin ngn hng; Lp h s theo di, ti liu k thut thng s h thng
Core Banking, PGDB; Lm u mi gip Gim c khi CNTT thc hin cc ng dng
CNTT trong lnh vc h thng Core Banking, phn mm PGDB ca ngn hng; Phi
hp vi cc phng thuc khi CNTT, cc khi nghip v khc v cc n v kinh doanh
trong vic trin khai h thng v cc sn phm, dch v phc v cho hot ng ca
ngn hng; Phi hp xy dng v tch hp cc h thng bo co ly t Core Banking,
h thng phn mm PBDB; Hng dn s dng cho ngi s dng trn h thng Core
Banking, phn mm PGDB; Thc hin cc nhim v khc do gim c khi giao.
CHNG 2.THC TRNG QUY TRNH HOT NG TIN GI TIT KIM NGN HNG BU IN LIN
VIT2.1 Mt s khi nim v h thng Core Banking2.1.1 Khi qut v h thng
Core Banking ti ngn hng Bu in Lin VitNgayt nhng ngy u chun b thnh
lp, Ngn hng Bu in Lin Vit xy dng mt chin lc u t cng ngh bi bn nhm
hng ti mc tiu tr thnh ngn hng s 1 Vit Nam v hin i ha.Ngn hng Bu in
Lin Vit trin khai thnh cng 2 giai on ca d n ng dng h thngngn hng li
(Core Banking) Flexcubedo nh cung cp gii php CNTT lnh vc dch v ti
chnh hng u trn th gii I-Flex Solutions (nay l Oracle Financial
Services Limited). Flexcube l gii php ngn hng c a chung nht trn th
gii theo bng xp hng ca IBS Sales League Table ca International
Banking System (Anh Quc) trong 4 nm lin (2002-2005). Vi gii php
Core Banking tch hp ton din ny, Ngn hng Bu in Lin Vit s p ng mi nhu
cu v dch v ti chnh - ngn hng hin i, chnh xc, t ng, trc tuyn v c
nhiu gi tr cho khch hng.Hnh 2.1: S h thng Core Banking
H thng Core Banking v bn cht Core Banking y l h thng phn mm tch
hp cc ng dng tin hc trong qun l thng tin, giao dch, qun tr ri
rotrong h thng ngn hng. V c im, Core Banking chnh l ht nhn ton b h
thng thng tin ca mt h thng ngn hng. H thng thng tin y bao gm thng
tin v tin, ti sn th chp, giao dch, s sch k ton Tt c cc giao dch c
chuyn qua h thng Core Banking v trong mt khon thi gian cc k ngn vn
duy tr hot ng x l thng tin trong sut thi gian hot ng, hay c th ni
Core Banking l h thng tp trung ha d liu bt c ni u hay bt c lc no. C
s d liu ca ngn hng c qun l tp trung theo quan h v theo module. nng
cp h thng CNTT ca ngn hng c th thay i module theo nghip v ngn hng
hoc thay i theo gii php phn mm. Hu ht cc h thng Core Banking hin i
u hot ng khng ngng (24x7) cung cp Internet Banking, nhng hot ng
giao dch ton cu thng qua ATM, Internet, in thoi v Debit Card. C th
thm nh ngha tham s to sn phm mi thay v sa thng vo code chng trnh, v
nhiu chc nng khc ty theo loi h thng Core Banking cng nh s iu chnh
ca ngn hng trin khai. 2.1.2 Li chPhn mm gii php ngn hng ct li (Core
Banking) c xem nh l ht nhn, trung tm ca h thng thng tin trong mt h
thng ngn hng v nhiu h thng ti chnh khc. Nn tng cng ngh ca Core
Banking to ra nhng bc chuyn bin rt ln trong hot ng ca h thng ngn
hng, th hin sc mnh cng ngh ca ngn hng, quyt nh tnh a dng ca sn phm,
kh nng m rng mng li kinh doanh, a dng ha knh dch v...Nhng li ch
mang li ca mt Core Banking hin ibiu hintrong khai thc sn phm, dch v
c v s lng v cht lng.C th thy, nhiu phn mm mi cn cha tham s rt ln mi
khi ngn hng mun pht trin mt dch v, sn phm s d dng hn, ch cn nh ngha
tham s l c th to sn phm mi m khng phi sa trc tip vo code ca chng
trnh. Ngoi ra, nh c Core Banking m vic qun l ni b cht ch, hiu qu
hn. Trc y, khi cc ngn hng cha c Core hin i hoc dng Core li thi, vic
qun l khch hng rt ri rc v v cng bt tin cho khch hng. c bit, tin ch
ca Core Banking l c th qun tr ri ro tt hnnh gip ngn hng qun tr ri
ro th trng, qun l ri ro tn dng, thanh khon v tc nghip vi nhiu mc
qun l khc nhau. Bn cnh nh s u vit tp trung ha ca Core Banking m c
th nng cao vic qun l ti khon khch hng v cung cp dch v khch hng.2.2
Mt s khi nim v tin gi tit kim Ngn hng Bu in Lin Vit2.2.1 nh ngha v
tin gi tit kimTin gi tit kim (Theo nh ngha ti iu 6 Quy ch v tin gi
tit kim s 1160/2004/Q-NHNN): l khon tin ca c nhn c gi vo ti khon
tin gi tit kim, c xc nhn trn th tit kim, c hng li theo quy nh ca t
chc nhn tin gi tit kim v c bo him theo quy nh ca php lut v bo him
tin gi.2.2.2 Li ch ca tin gi tit kimHot ng tin gi tit kim l mt
nghip v ca Ngn hng Bu in Lin Vit, nghip v ny c xp vo nghip v ngn
hng truyn thng. Nghip v tin gi tit kim mang li nhiu li ch cho ngn
hng:- Thu ht ngun vn ln v thng xuyn cho ngn hng.- Gia tng nhiu dch
v, nhiu knh thu ht tin gi cho ngn hng.- Gia tng th phn, gip ngn hng
m rng th trng n nhng vng nng thn vng su vng xai vi khch hng th hot
ng tin gi tit kim gip khch hng c mt ni an ton tin li gi tin, tng
thm thu nhp t ngun vn nhn ri, tit kim nhng khon tin nh u t cho tng
lai.
2.2.3 Cc loi ti khon tin gi tit kim ca Ngn hng Bu in Lin Vit-
Tit kim thanh ton- Tit kim bc thang- Tit kim thng- Tit kim rt gc
linh hot- Tin gi tit kim khng k hn- Tit kim dnh cho tu nghip sinh-
Tit kim li sut th ni- Lin kt tit kim v tit kim tha k2.2.4 i tng s
dng tin gi tit kim ca Ngn hng Bu in Lin VitC nhn l cng dn Vit Nam c
nng lc php lut dn s v nng lc hnh vi dn s, c nhn ngi nc ngoi c nng
lc php lut dn s v nng lc hnh vi dn s theo quy nh ca php lut nc ngoi
m ngi l cng dn (iu 831 B lut dn s).i vi ngi cha thnh nin, ngi mt
nng lc hnh vi dn s, ngi hn ch nng lc hnh vi dn s theo quy nh ca php
lut; th tc m v s dng ti khon tin gi phi thc hin thng qua ngi gim h,
ngi i din theo php lut.2.3 Qui trnh nghip v m ti khon tin gi tit
kim Khch hng yu cu m ti khon tin gi tit kim vi chi nhnh pht hnh
(CNPH) Sau khi tip nhn yu cu, CNPH s a cho khch hng mt b h s m ti
khon tit kim. Khi khch hng k khai y vo h s, CNPH kim tra li tnh hp
l. Nu khng duyt th hon tr h s v nu r l do. Ban kim sot kim tra nu
hp l th m s ti khon tit kim cho khch hng. CNPH giao s tin gi tit
kim cho khch hng v kt thc giao dch.
Hnh 2.2: S m ti khon tin gi tit kimKhch hngChi nhnh pht hnh
Nhn v xem xt h s khch hngBt uYu cu m ti khonGi b h s cho khch
hngin thng tinDuyt h sKhng duyt h s hon tr v nu r l doDuytBan kim
sot kim traM ti khonGiao s tit kim cho khch hngKt thc
2.4 Phn tch m hnh chui gi tr ca hot ng m ti khon tin gi tit kim
ca Ngn hng Bu in Lin Vity l mt khung phn tch phn r mt t chc thnh cc
hot ng ring l v xc nh gi tr gia tng tng giai on. Theo cch ny, cc t
chc c th nh gi mt cch c hiu qu v cc ngun ti nguyn ang c s dng ti cc
im khc nhau trong chui gi trHnh 2.3: S chui gi tr ca hot ng m ti
khon
Li nhunQun tr doanh nghip v c s h tng
Qun tr ngun nhn lc
Mua smCng ngh pht trin
Tip th v bn hngThu mua u voCung ng u ra Cc tin trnh sn xutThu
mua u vo
Ngun: H thng thng tin qun tr Ths.Nguyn Ngc c v Ths.Nguyn Hunh
Anh V (2011)
Phn tch chui gi tr da trn vic phn tch hot ng chnh (primary
activities) nhng hot ng gp phn trc tip thu c cc hng ha v dch v ph
hp vi khch hng(qu trnh vt l to ra mt sn phm, tip th v giao hng cho
ngi mua, h tr v dch v sau bn hng) v cc hot ng h tr (support
activities) nhng hot ng cung cp cc yu t u vo v c s h tng cho php cc
hot ng chnh din ra xem xt cc hot ng then cht trong qu trnh m ti
khon tin gi tit kim v lm th no gia tng tt gi tr sn phm v dch v to
ra li nhun cho ngn hng.Cc hot ng chnh c th c chia ra lm nm lnh
vc:Thu mua u vo (Inbound logistics): i vi hot ng m ti khon tin gi
tit kim cc yu t u vo bao gm b h s ng k m ti khon tin gi tit kim ca
khch hng. Chnh v vy ngn hng phi nghin cu, thit k h s mu vi hnh thc
d nhn ni dung phi r rng, d hiu, xc tch khch hng c th d dng hiu v ng
k. Cc tin trnh sn xut (Operations): l quy trnh cc bc ngn hng pht
hnh bao gm cc bc: x l ph duyt h s m ti khon tin gi tit kim, m ti
khon v giao cho khch hng. Tin trnh ny l tin trnh x l d liu u vo
thng qua h s khch hng a ra thng tin v vic la chn sn phm tin gi tit
kim bao gm loi tin gi, thi gian, li sut trn h thng Core Banking
Flexcube. Vic nhp liu v x l thng tin trn h thng cn c chnh xc, y v x
l nhanh chng. Tin trnh xy dng c c ch iu khin, kim tra v kim sot
thng tin cc cp, cc phng ban t chi nhnh n hi s, phng Core Banking,
ban kim sot. Cc hot ng ph h tr qu trnh x l nh quy trnh, cng ngh nn
c cung cp v hin i ha qu trnh x l c din ra thun li v nhanh chng, gim
thi gian ch giao dch v thi gian ch ly ti khon ca khch hng.Cung ng u
ra (Outbound logistic): sn phm u ra ca quy trnh ny ti khon tin gi
tit kim ca khch hng. Ti khon tin gi tit kim trc khi c giao n tay ca
khch hng th cn c kim tra, lu tr cn thn trn h thng mt cch khoa hc d
dng tm kim khi s c sy ra.Tip th v bn hng (Marketing and Sale): chng
trnh khuyn mi c p dng trong vic m ti khon tin gi tit kim thu ht
khch hng tim nng thng qua khuyn mi v qu tng, bc thm trng thng hay
li sut u i. Cc hnh thc qung b hnh nh ca Ngn hng Bu in Lin Vit c
nhng phng thc truyn thng nh t ri, bng rn qung co v phng thc hin i
thng qua trang web, gi mail n khch hng v cc mng x hi trc tuyn.Dch v
(Service): cc dch v ca chi nhnh l dch v h tr khch hng, chm sc khch
hng, tng qu cc ngy l n khch hng; dch v hu mi nh gi tin nhn chc mng
ngy l, sinh nht khch hng v.v. Cc hot ng h tr da trn bn lnh vc:Qun
tr doanh nghip v c s h tng: qun tr doanh nghip ca chi nhnh bao gm
cc hot ng qun l v chnh sch ca doanh nghip theo ch o ca Ngn hng Bu
in Lin Vit v hot ng mi ti khon tit kim, qun l cc quy nh v php l
theo quy nh ca php lut vi chnh schthng tn php lut, qun l v ti chnh,
qun l v c s h tng v cng ngh. Vic qun tr doanh nghip Ngn hng Bu in
Lin Vit tun theo 18 ch vng: Tm huyt i mi Minh bch on kt Lng nghe
Thu hiu Bn bc Quyt nh Quyt lit Tp trung ha Vn bn ha S ha Kch bn ha
C th ha Minh bch ha Hin i ha Chuyn nghip ha.Qun l ngun nhn lc: cng
vic qun l nhn s y bao gm tuyn dng nhn s, qun l nhn s, o to cht lng
nhn s, phn cng cng vic ph hp cho tng c nhn, qun l vic tr lng v thng
v cc ch phc li khc. Cng tc khm sc khe nh k, mua bo him sc khe tai
nn cho ngi lao ng c ngn hng quan tm c bit theo hng gia tng quyn li
cho cn b nhn vin. Cc ch lin quan (BHXH, BHYT, BHTN) cng c ngn hng
thc hin kp thi v theo ng quy nh ca nh nc.Vic qun l nhn s gip nng
cao cht lng x l cc hot ng trong qu trnh m ti khon tit kim cho khch
hng. Ch lng thng s to ra ng lc lm vic cho nhn vin vi chnh sch ca
ngn hng sng bng lng, giu bng thng.Pht trin cng ngh: Ngayt nhng ngy
u chun b thnh lp, Ngn hng Bu in Lin Vit xy dng mt chin lc u t cng
ngh bi bn nhm hng ti mc tiu tr thnh ngn hng s mt Vit Nam v hin i
ha.Ti chnh: ngun ti chnh cung cp chi ph tr lng cho nhn vin, u t vo
cng ngh, c s h tng mua sm cc trang thit b thit b phc v cho hot ng
tin gi tit kim nh my scan, my tnh, my fax, my photocopy v.v
2.5 Phn tch m hnh nm lc lng ca Porter v Millar ca hot ng tin gi
tit kim ca Ngn hng Bu in Lin VitHnh 2.4: S m hnh nm lc lng ca
Porter v Millar
Kinh doanh v cc e da bn ngoi ca nNhu cu ca ngi muaQuyn nng ca nh
cung cpMi e da ca cc sn phm/dch v thay thS ganh ua ca cc i th cnh
tranh hin tiMi e da ca cc i th mi gia nhp
Ngun: H thng thng tin qun tr Ths.Nguyn Ngc c v Ths.Nguyn Hunh
Anh V (2011)M hnh nm lc lng ca Porter v Millar l m hnh dng phn tch
cc lc cnh tranh khc nhau bn ngoi c nh hng n mt t chc v lm th no
thng tin c th c s dng p ng chng. Nm lc lng ny l: s tranh ua gia cc
i th cnh tranh hin ti, mi e da ca i th mi hin din, mi e da ca cc sn
phm/dch v thay th, nhu cu ca ngi mua v nng lc ca nh cung cp.S tranh
ua gia cc i th cnh tranh hin ti (rivalry between existing
competitors): Hin nay trong lnh vc ti chnh ngn hng c s cnh tranh v
cng khc lit. n nm 2013 c khong 39 ngn hng thng mi, 14 ngn hng 100%
vn nc ngoi v chi nhnh ngn hng nc ngoi ti Vit Nam, 6 ngn hng lin
doanh, 2 ngn hng chnh sch v 1 qu tn dng nhn dn Vit Nam. Sn phm tin
gi tit kim li l mt sn phm truyn thng c tt c cc ngn hng, t chc tn
dng ti Vit Nam. V vy Ngn hng Bu in Lin Vit l mt ngn hng mi thnh lp
gp s cnh tranh rt ln, iu i hi ban qun tr ngn hng cn a ra cc bin
php, chin lc nng cao kh nng cnh tranh qua nng cao cht lng dch v, a
dng ha sn phm, qung coMi e da ca i th mi gia nhp (Threat of new
entrants): Trong lnh vc ti chnh ngn hng hin nay th nguy c hnh thnh
cc i th mi gia nhp th khng cao v mun thnh lp mt ngn hng mi th cn mt
ngun vn ln v nh nc ang c chnh sch sit cht vic thnh lp cc ngn hng
mi.Mi e da ca cc sn phm/dch v thay th (threat of subsitutes): Ngoi
knh tin gi tit kim th ngi dn cn c nhiu dch v khc nh dch v th, u t
vo ngoi t, vng hay chng khon, ct gi tin ti nh Ngn hng cn to s uy
tn, an tm cho khch hng khi gi tin ti ngn hng, a ng ha sn phm vi
chnh sch phc v nhng sn phm khch hng cn ch khng phi sn phm ngn hng
c, a dng cc hot ng dch v sau bn hng, hu mi.Nhu cu ca ngi mua (Power
of buyers): H thng Core Banking Flexcube ca Ngn hng Bu in Lin Vit c
th gi chn cc khch hng vi sn phm tin gi tit kim ca ngn hng gim nguy
c khch hng chuyn sang dch v ca i th. H thng lu tr h s khch hng trin
khai cc dch v chm sc khch hng, hu mi nh gi mail, gi in, tng qu cc
dp nh sinh nht hay mng nm miQuyn nng ca nh cung cp (Power of
suppiers): Thng qua cc c s d liu v internet, h thng Core Banking
Flexcube c th gip ngn hng chn cc nh cung cp trang thit b nh my tnh,
my in, my fax h tr cho hot ng m ti khon tin gi tit kim mt cch hiu
qu hn v do c th gim sc mc c ca cc nh cung cp cc sn phm dch v
trn.2.6 Phn tch h thng ti khon tin gi tit kim ca Ngn hng Bu in Lin
VitT phn tch nm lc lng ca Porter v Millar v phn tch chui gi tr ta
thy rng tt c cc thnh phn t mi trng vi m n mi trng v m u nh hng n h
thng ti khon tin gi tit kim ca ngn hng.
Mi trng v m:Mi trng lut php: Ngn hng Bu in Lin Vit c thnh lp
theo giy php thnh lp s 91/GP-NHNN ngy 28/03/2008 ca Thng c Ngn hng
Nh nc Vit Nam. Tin gi tit kim (theo nh ngha ti iu 6 quy ch v tin gi
tit kim s 1160/2004/Q-NHNN)Mi trng cng ngh: Tuy l mt ngn hng tr mi
thnh lp c 5 nm nhng Ngn hng Bu in Lin Vit li c trang b h thng Core
Banking Flexcube hin i, cc dch v ngn hng hin i nh th, Internet
Banking, Mobile BankingMi trng vi m:Khch hng ngy cng c nhiu chn la
t nhiu sn phm dch v n cc nh cung cp khc nhau v th s lng v cht lng
cc sn phm ca ngn hng phi tt hn, phc v ca nhn vin cn chuyn nghip, cc
dch v khuyn mi, hu mi, truyn thng qung co cn pht huy a thng tin v
sn phm n tay khch hng.Mi trng cnh tranh trong ngnh cao, cc ngn hng
cnh tranh v s lng khch hng, th phnNgn hng cn u t vo cng ngh nng cao
nng lc cnh tranh.Mi trng lm vic ca Ngn hng Bu in Lin Vit th nng ng,
tr trung nh dn nhn vin tr tui, mi quan h gia cc nhn vin c xy dng
qua nhiu hot ng ngoi kha, ngh dng, cc cuc thi v th thao, nghip v
hay sc p2.7 Phn tch ma trn SWOT v hot ng huy ng tin gi tit kim ti
Ngn hngBu in Lin VitMa trnSWOTl mt cng c rt hu dng cho vic nm bt v
ra quyt nh trong mi tnh hung i vi bt c t chc kinh doanh no. Vit tt
ca 4 ch Strengths (im mnh), Weaknesses (im yu), Opportunities (c
hi) v Threats (nguy c),SWOTcung cp mt cng c phn tch chin lc, r sot
v nh gi v tr, nh hng ca mt cng ty hay ca mt n kinh doanh.
Bng 2.1. Ma trn SWOT v hot ng huy ng tin gi tit kimNi bim Mnh
(Streng):- L mt trong mi ngn hng TMCP c vn iu l ln nht Vit Nam.-
Mng li chi nhnh rng ln d kin ht nm 2013 c chi nhnh trn 54 tnh thnh,
v hn 10000 im giao dch trn mng li bu chnh.- Ngoi cc sn phm tin gi
tit kim truyn thng th ngn hng trin khai thnh cng hot ng tit kim bu
in trn mng li bu chnh.- H thng Core Banking Flexcube hin i. Tc hin
i ha cng ngh nhanh.- Tc phong chuyn nghip, s thn thin v nng ng ca
nhn vin cc chi nhnh, phng ban.im yu (Weaknesses)- L mt ngn hng tr
mi thnh lp t nm 2008.- Tham gia th trng tin gi tit kim mun.- Cc hot
ng h tr t vn khch hng qua cc h thng dch v in t nh Call Center, Home
Banking cha c cung cp.- Vn an ton tin gi tit kim, trnh vic la o
chim ot tin gi ca khch hng cha c quan tm ng mc.
Bn ngoiC hi (Opportunities):- Ngun vn nhn ri trong dn c cn
nhiu.- Tin gi tit kim vn l mt knh ct gi tin t hng u hin nay.- Kinh
t ang trn phc hi nn nhu cu gi tin ca khch hng tng cao.Thch thc
(Threats):- S canh tranh khc lit ca cc ngn hng v t cc sn phm thay
th.- Cc v n v la o, chim ot ca cn b ngn hng tng cao lm mt nim tin
ca khch hng v sn phm tin gi tit kim
CHNG 3.MT S GII PHP NNG CAO HOT NG HUY NG TIN GI TIT KIM CA NGN
HNG BU IN LIN VITT vic phn tch m hnh nm lc lng ca Porter v Millar,
Phn tch m hnh chui gi tr, Phn tch h thng ti khon tin gi tit kim,
Phn tch ma trn SWOT ti c mt s ngh gii php nhm nng cao hot ng huy ng
tin gi tit kim ca Ngn hng Bu in Lin Vit chi nhnh H Ch Minh.3.1 Thc
hin chnh sach khach hang va chin lc marketing hiu quaTrong qua
trinh hoat ng thu ht tin gi tit kim, ngn hang cn hiu ro li ich cua
ngn hang hoan toan phu thucvao li ich cua ngi gi tin. Ngn hang phai
co chinh sach khach hang ung n va phu hp i vi tng i tng. o la duy
tri, m rng khach hang truyn thng ng thi thu hut thm cac khach hang
mi, khach hang tim nng, am bao li ich cho ca ngn hang va khach
hang.Ngn hang chia khach hang ra lam nhiu loai co cach i x cho phu
hp. Nhng khach hang lu nm, co s d tin gi ln, c ngn hang tin nhim,
thi ngn hang se co chinh sach u tin v lai sut cung nh vic xet thng.
Bn canh chinh sach khach hang i vi nhng ngi a n vi minh thi chin lc
marketing thu hut thm lng khach hang mi cung cn phai c bit quan tm.
Tng cng cng tac quang cao, tip thi, khuyn mai nhm nng cao thng hiu
tao tin thu hut khach hang trong nc va quc t.Thanh lp t t vn khach
hang, v cac vn lin quan ti linh vc tai chinh tin t, nht la giup
khach hang thy c gi tin vao ngn hang se mang lai nhiu li ich hn la
vic tich tr trong nha hoc gi vang, ngoai t. Qua o thu hep khoang
cach gia ngn hang va khach hang, tao mi quan h thn thin, tao tin
cho hoat ng cua chi nhanh ngay mt tt hn.3.2 Bi dng va nng cao trinh
nghip vu cho nhn vinNgn hang nn ra soat, anh gia lai nng lc can b
sp xp, b tri, bat ung vi kha nng, s trng cua tng can b. o to nhn
vin bng cch c nhn vin tham gia cc kha hc tp hun k nng nng cao nghip
v cng nh k nng giao tip, chm sc khch hng. To iu kin cho nhn vin
theo hc cc lp nh: i hc, sau i hc Bn canh o, ngn hng phai co ch
thng, phat ro rang, cng bng. i vi nhng nhn vin nghi vic hay bi
khach hang phan nan v thai giao tip, co nhng hanh vi gian ln... thi
ngn hang phai x ly ung theo ch : tr lng, canh cao, ky lut, cach
chc... ng thi vi nhng nhn vin co thanh tich tt trong cng tac, chp
hanh ung ni quy, co cac ong gop c bit... ngn hang nn co ch khen
thng kip thi, tng xng vi ong gop. 3.3 n gin ha cc th tc gi tin v rt
tinCac thu tuc nay ngn hang lam theo quy inh, nhng ngn hang cn
nghin cu bin phap rut ngn thi gian. Chng han nh trang bi may vi
tinh cho cac quy tit kim, may cua k toan c ni vi may cua k toan
trng va thu quy, qua o co th kim tra ln nhau, am bao tinh chinh
xac, giam bt thi gian ch i cua khach hang.3.4 Ap dung chinh sach
lai sut linh hoatNgn hng cn chu trong n vic thay i lai sut trong
tng thi ky sao cho phu hp vi lai sut thi trng nhm thu hut ngun tin
gi cua moi thanh phn trong nn kinh t. Chi nhanh cn xac inh c rng
bin phap tng lai sut thu hut c ngun vn huy ng co tac ng rt manh va
nhanh. Tuy nhin, y la bin phap co gii han, bi vic tng lai sut huy
ng ng nghia vi tng chi phi u vao, anh hng trc tip n kt qua kinh
doanh. c bit, vi c ch lai sut theo tin hiu thi trng nh hin nay cang
oi hoi s nng ng, linh hoat trong qua trinh tim kim ngun vn cho
vay.3.5 u tin pht trin CNTTXc nh CNTT l u tin hng u nhm tng kh nng
cnh tranh v pht trin thm nhiu dch v ngn hng hin i. Xy dng c s h tng
cng ngh thng tin hin i p ng nhu cu pht trin dch v sn phm mi v nng
cao hiu qu qun tr iu hnh.u t xy dng hon thin h thng Core Banking
Flexcube, ng thi trin khai thm cc h thng ngn hng in t hin i nh
Mobile Banking, Home Banking3.6 Xy dng h thng Call Center v h thng
CRM (customer relationship management)Trin khai Call Center l u mi
kt ni thng tin v sn phm, dch v, cht lng phc v gia khch hng v ngn
hng.Hot ng CRM: CRM p ng 4 tnh nng h thng c bn l: quy trnh kinh
doanh, chc nng chin dch tip th marketing, nhn v x l cc thng tin phn
hi t khch hng, lp bo co phn tch thng k nh gi.Vic trin khai Call
Center v h thng CRM gip ngn hng rt gn thi gian x l nh c s d liu tp
trung, gii quyt mi thc mc v sn phm cng nh dch v ca ngn hng v nng
cao mi quan h thn thit hn gia khch hng v ngn hng.3.7 Qun tr ri ro
nng cao an ton h thng tin gi tit kimNgy cng nhiu ti phm, nhn vin
ngn hng nhm ti cc l hng v quy trnh v h thng ca ngn hng la o, chim
ot ti sn ca ngn hng v khch hng. V vy, ngn hng cn c cc bin php nhm
qun tr ri ro v nng cao vn an ton bo mt h thng tin gi tit kim.Thnh
lp ban kim sot cc hot ng ca nhn vin cc chi nhnh thuc ngn hng nhm
pht hin ra cc du hiu sai st trong qu trnh nghip vTun th cc quy nh
ca php lut, ca NHNN v qun tr ri ro (p ng cc t l an ton i vi h thng
ngn hng).Ch trng vic an ton bo mt ti khon khch hng trn h thng.
KT LUNTin gi tit kim l mt knh huy ng vn quan trng ca bt k ngn
hng no, c bit trong thi k cnh tranh khc lit gia cc ngn hng hin nay.
Vic thu ht tin gi tit kim ca mi ngn hng ph thuc vo chin lc kinh
doanh ca mi ngn hng, i ng nhn vin cng nh cng nghTrn c s l thuyt v
tip cn vi tnh hnh hin ti ca Ngn hng Bu in Lin Vit, bi bo co mt phn
no phn tch c cc vn , kha cnh, mi trng v m, mi trng vi m cng nh im
mnh, im yu, c hi, thch thc ca vic thu ht tin gi tit kim ca Ngn hng
Bu in Lin Vit. Bi bo co cng xut mt s gii php nhm nng cao hiu qu vic
huy ng tin gi tit kim, tuy nhin c th p dng trong thc t cn hiu r kh
nng ca ngn hng v i hi phn tch su hn, kt hp nhng k thut cao hn.Xin
gi li cm n n thy gio: Th.S Nguyn Phng Nam, cng cc anh ch thuc phng
Core Banking thuc Ngn hng Bu in Lin Vit gip ti hon thnh bi bo co
thc tp ny.
TI LIU THAM KHOThs. Nguyn Ngc c v Ths. Nguyn Hunh Anh V (2011),H
thng thng tin qun tr.Ths. Nguyn Hunh Anh v, Bi ging Core
BankingThs. Tn N Khoa Nguyn, Bi giang CRMLin Vit Post Bank, Bo co
thng nin 2010, 2011, 2012.Lin Vit Post bank, C cu t chc, chc nng
nhim v cc phng ban trong khi CNTTLin Vit Post Bank, Quy trnh nghip
v tin gi tit kim.Lin Vit Post Bank, Ti liu phn h tin gi trn h thng
Core Banking Flexcube.Tham kho t cc trang
web:Wikipedia.orgLienvietpostbank.com.vn
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