Thc t hot ng cho vay tiu dng ti ngn hng HSBCMc lc1. Tng quan v
tn dng tiu dng 1. Gii thiu v ngn hng 1. Thc trng cho vay tiu dng ti
ngn hng3.1 C cu sn phm, sn phm no l th mnh, ni bt3.2 Qui trnh cho
vay tiu dng3.3 Tnh hnh cho vay trong 2 nm gn nht : s liu v tng
trng, v tr ca cvtd trong tng d n cho vay nn kte, 3.4 chin lc pht
trin3.5 Kh khn1. Gii php pht trin cho vay tiu dng ti ngn hng1. Kt
lunLi ni uTrong nn kinh t th trng, 2 yu t quan trng nht l tng cung
v tng cu nn kinh t. Sn xut ng vai tr quan trng nhng tiu dng cng ng
vai tr quan trng khng km. H thng ngn hng l huyt mch ca nn kinh t,
tuy nhin nhn li chng ng tng trng tn dng trong nhng nm qua, c1s khng
cn xng trong vic h tr cho vay sn xut v cho vay tiu dng. Lnh vc tn
dng tiu dng kh mi m trong h thng cc ngn hng Vit Nam. Chnh v vy nhm
quyt nh tm hiu v hot ng cho vay tiu dng ca 1 ngn hng nc ngoi c chi
nhnh ti Vit Nam. l ngn hng HSBC mt ngn hng c ting trong cho vay tiu
dng Vit Nam.
1. Tng quan v tn dng tiu dng
0. khi nim tn dng tiu dngTn dng ngn hng l quan h gia cc ngn hng,
cc t chc tn dng khc vi doanh nghip v c nhn. Trong nn kinh t, ngn
hng ng vai tr l 1 t chc trung gian v vy trong quan h vi cc doanh
nghip v c nhn ngn hng ng vai tr va l ngi i vay v ngi cho vay. Mt mt
ngn hng nhn tin gi ca doanh nghip, c nhn hay pht hnh chng ch tin
gi, tri phiu huy ng vn trong x hi, mt khc, ngn hng cung cp tn dng
cho doanh nghip v c nhn c nhu cu vay vn.Tn dng tiu dng l loi tn dng
cp pht cho c nhn, h gia nh nhm h tr nhu cu tiu dng nh mua sm nh ca,
phng tin i li, pht trin kinh t h gia nh v h tr chi tiu khc0. phn
loi tn dng tiu dngc nhiu cch phn loi tn dng tiu dng, nhm xin a ra 3
cch phn loi ph bin nht1. phn loi theo phng thc cho vay gia ngn hng
v khch hng vay vn.Cho vay tiu dng trc tip:y l hnh thc trong ngn hng
trc tip tip xc vi khch hng ca mnh, vic thu n cng c tin hnh trc tip
bi chnh ngn hng.Cho vay tiu dng gin tip: y l hnh thc ngn hng khng
trc tip k hp ng vi ngi tiu dng, m theo hnh thc ny ngn hng s k kt hp
ng vi chnh nh cung cp, thc ra l mua nhng khon n, trn c s nh cung cp
s bn chu hng ho cho ngi tiu dng. Hp ng k kt gia ngn hng v nh cung
cp quy nh r iu kin bn chu nh: i tng khch hng c bn chu, loi hng c bn
chu, s tin c bn chu...v.v. Thng qua nhng iu kin m nh cung cp s tho
thun vi khch hng ca mnh v vic bn chu hng ho..
1. phn loi theo mc ch vayCho vay tiu dng bt ng sn: L khon tn dng
c cp nhm ti tr cho nhu cu mua, xy dng, ci to nh cho Khch hng (c nhn
hay h gia nh). c im ca nhng mn vay ny l quy m thng ln, thi gian
di.Cho vay tiu dng thng thng:y l nhng khon cho vay phc v nhu cu ci
thin i sng nh mua sm phng tin, dng, du lch, hc hnh, y t hoc gii tr
... c im ca nhng khon tn dng ny thng c quy m nh, thi gian ti tr
ngn1. phn loi theo phng thc hon trCho vay tiu dng tr gp :Theo hnh
thc ti tr ny, th ngi i vay tr n cho ngn hng (gm c gc v li) theo
nhiu ln, theo nhng k hn nht nh do ngn hng quy nh (thng, qu...). Hnh
thc ny p dng cho cc khon vay c gi tr ln hoc vi nhng khch hng m thu
nhp nh k ca h khng thanh ton ht mt ln s n vay. Cho vay tiu dng tr
mt ln:y l hnh thc ti tr m theo s tin vay ca khch hng s c thanh ton
mt ln khi hp ng tn dng n hn. c im ca cc khon tn dng ny thng c quy m
nh, thi hn cho vay ngn nn ngn hng khng mt nhiu thi gian nh khi phi
tin hnh thu n lm nhiu k. Trong thc t, khon cho vay tiu dng cp theo
hnh thc ny l rt t.0. c im tn dng tiu dng Qui m hp ng thng nh v nhu
cu vay mua hng xa x l khng cao hoc c 1 khon tch ly i vi vic mua ti
sn c gi tr ln, dn n chi ph t chc cho vay cao Ri ro cao hn cc lnh vc
khc do nh hng bi chu k kinh t nht l khi suy thoi ngoi ra cn ph thuc
vo thc tr n, tnh trng sc khe, nguy c tht nghip, lng ca c nhn. Chi
ph ln, ri ro cao nn li sut thng cao hn cc khon vay lnh vc khc nh
cng nghip, thng mi. Nhu cu vay ph thuc vo chu k kinh t, mc thu nhp,
trnh hc vn, tui, gii tnh Khch hng vay l c nhn nn vic xc minh nng lc
ti chnh l kh, ch yu da vo lng ngun tr n: khch hng da vo lng, thu
nhp t hot ng kinh doanh ca mnh ch khng phi l thu nhp t khon vay . i
tng vay: rt a dng, t ngi c thu nhp cao n nhng ngi c thu nhp trung
bnh, thp Mc ch vay: khng phi xut pht t nhu cu sn xut kinh doanh m
xut pht t nhu cu tiu dng nh mua nh, xy dng, sa cha, mua sm phng tin
i li, dng, gii tr, du lch, du hc, cha bnh.
0. Vai tr ca tn dng tiu dng3. i vi NHTMHot ng ch yu ca cc ngn
hng thng mi l nhn tin gi v s dng khon tin trong kinh doanh nhm thu
li nhun. Hot ng tn dng l hot ng mang li cho ngn hng nhiu li nhun
nht ca ngn hng thng mi. Li nhun t cho vay tiu dng cao.Do ri ro cao
v chi ph tnh trn mt n v tin t ca cho vay tiu dng ln nn ngn hng thng
t li sut rt cao i vi cc khon cho vay tiu dng. Bn cnh , s lng cc
khon cho vay tiu dng l kh nhiu, khin cho tng quy m cho vay tiu dng
l rt ln, cng vi tin li thu c t mi khon vay lm cho tng li nhun thu c
t hot ng cho vay tiu dng l ng k. Thc t cho thy cho vay tiu dng em
li mt khon li nhun khng nh cho ngn hng trong vic y mnh hot ng cho
vay tiu dng. i vi ngi tiu dng, h vn chp nhn mc gi cao v h lun t yu
t tho mn ln hng u ch khng tnh k l, li nh trong kinh doanh..3. i vi
ngi tiu dngThng qua nghip v cho vay tiu dng, nhng ngi tiu dng c th
c hng cc dch v, tin ch trc khi c kh nng v ti chnh nh mua sm cc hng
ho thit yu c gi tr cao nh nh ca, xe hi hay trong trng hp chi tiu cp
bch nh nhu cu v y t. Bt c ngi no u mong mun c tho mn nhng nhu cu ca
ring mnh bt u t nhng hng ho tt yu ri n nhng hng ho xa x hn. C th ni
ngi tiu dng l ngi c hng trc tip v nhiu nht li ch m hnh thc cho vay
ny mang li trong iu kin h khng lm dng chi tiu vo nhng vic khng chnh
ng.3. i vi nn kinh tVic pht trin hot ng cho vay tiu dng ca cc NHTM
s lm tng ng k kh nng thanh ton vi lng hng ha dch v trn th trng. Hay
ni cch khc y chnh l mt gii php hu hiu kch cu v qua lm cho nn kinh t
tr nn nng ng hn.
Khi sc mua ca ngi tiu dng tng ln th trng hng ho tiu dng cng theo
m tr nn si ng hn, gp phn quan trng trong vic nng cao kh nng cnh
tranh ca hng ho trong nc, thc y nn kinh t pht trin. Bn cnh , Nh nc
cng s t c cc mc tiu kinh t x hi khc nh gii quyt cng n vic lm cho
ngi lao ng, tng thu nhp, gim bt cc t nn x hi, ci thin v nng cao cht
lng cuc sng cho ngi dn.1. Gii thiu v ngn hng HSBCThnh lp ti Hng Kng
vo thng 3 nm 1865 v ti Thng Hi mt thng sau . Ngn hng Hng Kng v Thng
Hi l sng lp vin v l thnh vin ch cht ca Tp on HSBC, l ngn c u ca Tp
on ti khu vc chu Thi Bnh Dng v l t chc ngn hng ln nht ti Hng Kng.Nm
1870 HSBC m vn phng u tin ti Si Gn (nay l TP. H Ch Minh). Thng 8 nm
1995, chi nhnh ti thnh ph H Ch Minh c cp php hot ng v cung cp y cc
dch v ti chnh ngn hng. HSBC khai trng chi nhnh th hai ti H Ni v
thnh lp Vn phng i din ti Cn Th vo nm 2005.Ngy 01 thng 01 nm 2009,
HSBC khai trng ngn hng 100% vn nc ngoi v tr thnh ngn hng nc ngoi u
tin a ngn hng con i vo hot ng ti Vit Nam. Ngn hng mi vi tn gi Ngn
hng TNHH mt thnh vin HSBC (Vit Nam) thuc 100% s hu ca Ngn hng Hng
Kng v Thng Hi. Ngn hng TNHH mt thnh vin HSBC (Vit Nam) l ngn hng
100% vn nc ngoi u tin ng thi a chi nhnh v phng giao dch i vo hot ng
ti Vit Nam. Mng li hot ng ca ngn hng bao gm mt hi s, mt chi nhnh v
nm phng giao dch ti Tp. H Ch Minh, mt chi nhnh, ba phng giao dch v
mt qu tit kim ti H Ni, bn chi nhnh ti Bnh Dng, Cn Th, Nng, ng Nai v
hai vn phng i din ti Hi Phng v Vng Tu.Ngy 17/3/2014, Ngn hng Nh nc
Vit Nam (NHNN) c vn bn s 1600/NHNN-TTGSNH v vic tng vn iu l ca HSBC
Vit Nam. Theo , NHNN chp thun vic HSBC Vit Nam tng vn iu l t 3000 t
ng ln 7528 t ng theo phng n tng vn iu l c thng qua ti ngh quyt ngy
27/11/2013 ca Hi ng thnh vin HSBC Vit Nam v Quyt nh ngy 29/11/2013
ca Ngn hng m.
Hin ti, HSBC l mt trong nhng ngn hng nc ngoi ln nht ti Vit Nam
xt v vn u t, mng li, chng loi sn phm, s lng nhn vin v khch hng.Ngn
hng Hng Kng v Thng Hi v ang u t mnh m vo th trng Vit Nam thng qua
chin lc u t song hnh: u t vo hot ng ca ngn hng nhm pht trin ni ti;
v u t vo cc i tc chin lc.Vo 29 thng 12 nm 2005, ngn hng Hng Kng v
Thng Hi mua 10% vn c phn ca Ngn hng C phn K thng Vit Nam
(Techcombank), mt trong cc ngn hng thng mi c phn ln nht Vit Nam xt
v vn. Thng 7 nm 2007, HSBC tr thnh ngn hng nc ngoi u tin nng c phn
ti Techcombank ln 15%. Thng 9 nm 2008, HSBC hon tt vic nng c phn s
hu ti Techcombank ln 20% v tr thnh ngn hng nc ngoi u tin ti Vit Nam
s hu 20% vn c phn ti mt ngn hng trong nc.Vi hn 140 nm kinh nghim
hot ng ti th trng Vit Nam, HSBC cung cp y cc dch v ti chnh ngn hng
bao gm: Dch v Ti chnh C nhn v Qun l Ti sn, Dch v Ti chnh Doanh
Nghip, Dch v Ti chnh ton cu, Dch v Ngoi hi v th trng vn, Dch v
Thanh ton v Qun l tin t, Dch v Thanh tan Quc t v Ti tr thng mi, v
Dch v Chng Khon. Vi lch s hot ng lu i cng nh s am hiu v th trng Vit
Nam, HSBC khng nh cam kt mang n nhng dch v tt nht cho khch hng.1.
Thc trng cho vay tiu dng ti HSBC2. C cu sn phm cho vay tiu dng ca
HSBCNhm phn loi cc sn phm cho vay tiu dng theo cho vay bt ng sn v
cho vay tiu dng thng thng.0. Cho vay tiu dng bt ng sn3.1.1.1 Vay
mua nh Mc ch: Gip qu khch hng s hu ngi nh mong mun ngay C yu cu th
chp ti sn Khon vay ti a ln ti 70% gi tr ti sn bo m hoc s tin cn vay
Thi hn vay ti a: 25 nm Thu nhp ti thiu: 10 triu ng Li sut bc thang
gim dn C th tt ton trc hn3.1.1.2 Vay th chp bt ng sn Xy sa nh Mc
ch: To ra mt khng gian sng mi thoi mi cho c gia nh C yu cu th chp
ti sn Khon vay ti a ln ti 60% gi tr ti sn bo m hoc s tin cn vay Thi
hn vay ti a: 15 nm Thu nhp ti thiu: 10 triu ng Li sut bc thang gim
dn C th tt ton trc hn3.1.1.3 Vay th chp bt ng sn Du hc Mc ch: Gip
con ci khch hng thc hin c m du hc C yu cu th chp ti sn Khon vay ti
a ln ti 60% gi tr ti sn bo m hoc s tin cn vay Thi hn vay ti a: 15
nm Thu nhp ti thiu: 10 triu ng Li sut bc thang gim dn C th tt ton
trc hn3.1.1.4 Vay th chp bt ng sn Mc ch khc Mc ch: Tip cn ngay vi
ngun vn cn thit cho cc k hoch ln ca mnh C yu cu th chp ti sn Khon
vay ti a ln ti 60% gi tr ti sn bo m hoc s tin cn vay Thi hn vay ti
a: 15 nm Thu nhp ti thiu: 10 triu ng Li sut bc thang gim dn C th tt
ton trc hn3.1.2 Cho vay tiu dng thng thng3.1.2.1 Thu chi c m bo Mc
ch: Gii quyt nhu cu vn trc khi Tin gi tit kim ca khch hng o hn. C
yu cu th chp ti sn. Khon vay ti a ln ti 95% gi tr Ti khon Tin Gi
VND. hoc 80% gi tr Ti khon Tin Gi ngoi t. Thi hn vay ti a: 1 nm.
Thu nhp ti thiu: Khng yu cu. Li sut bc thang gim dn: Khng. Khng th
tt ton trc hn.3.1.2.2 Vay tiu dng Mc ch: Hon thnh mi d nh v tn hng
cuc sng tht trn vn Khng yu cu th chp ti sn Khon vay ti a ln ti 250
triu VND Thi hn vay ti a: 4 nm Thu nhp ti thiu: 8 triu ng Li sut bc
thang gim dn C th tt ton trc hn3.1.2.3 Th tn dngTh Tn Dng HSBC l
hnh thc thanh ton thay th cho vic thanh ton trc tip bng tin mt. Ngn
hng ng trc tin cho ngi bn v ch th s thanh ton li cho Ngn hng trong
vng 45 ngy khng b tnh li cng nhiu li ch v u i gip khch hng tn hng
cuc sng.Ch th cng c th rt tin mt t ti khon th tn dng (tin mt ng
trc) nu mun. Ch th c rt v dng tin mt trc trong hn mc tn dng c quy
nh cho mi th.Th tn dng cho php khch hng "tr dn" s tin thanh ton
trong ti khon. Ch th khng phi thanh ton ton b s d trn bng sao k
giao dch hng thng. Tuy nhin, Ch th phi tr khon thanh ton ti thiu
trc ngy o hn ghi r trn bng sao k. Th tn dng khc vi th ghi n v tin
khng b tr trc tip vo ti khon tin gi ca Ch th ngay sau mi ln mua hng
hoc rt tin mt.3.2 Sn phm th mnh, ni btSn phm th mnh ca HSBC chnh l
th tn dng. Hin HSBC pht hnh 120 triu th tn dng trn ton cu v c mng
li hn 10.000 chi nhnh ti 83 quc gia v vng lnh th. Trong , k t nm
2008, th tn dng ca HSBC chnh thc c mt ti th trng Vit Nam v khng
ngng chim u th vi cc u im ni tri v cc khuyn mi ln. Ngi dng Vit Nam
a chung s dng th tn dng HSBC v th tn dng HSBC c chp nhn ti hn 30
triu im bn l thnh vin trong h thng th Visa trn khp th gii v 15.000
im ti Vit Nam, mang n cho ngi dng s thun tin trong vic thanh ton ti
cc im bn l trn khp th gii. Ngoi ra, HSBC cn em n cho cc ch s hu th
tn dng c hi gim gi hoc mua hng u i ti hn 9.000 ca hng bn l hn 40 nc
khp chu Thi Bnh Dng, chu M v chu u. Th tn dng HSBC kh a dng v chng
loi, bao gm 4 loi th chnh:3.2.1 Th Tn Dng HSBC Premier MasterCard
Hn mc tn dng (VND): 200 triu - 1 t Cho php ng tin mt khn cp ton cu
u i Home&Away cho php gim n 50% khi thanh ton bng th HSBC
Premier MasterCard ti tt c cc ca hng ni a v cc im lin kt trn ton th
gii Khch hng ch cn thanh ton bng th tn dng, tch ly im thng, sau i
im thng ly phn thng l cc mn qu hoc phiu mua hng hp dn trn Danh Mc
Phn Thng trc tuyn ca HSBC, vi mi 1000VND = 1 im thng Cung cp y cc
dch v e-banking, mobile banking v dch v ATM iu kin ng k: Dnh ring
cho khch hng HSBC Premier3.2.2 Th Tn Dng Visa Bch Kim Hn mc tn dng
(VND): 54 triu - 1 t u i Visa Platinum Club, trong khch hng c gim
gi ln ti 50% ti cc ca hng ti cc sn bay trn ton Chu , c gim ti 15%
khi t phng khch sn ti cc khch sn trong danh mc Hotel Club, gim 35%
ph thnh vin Airport Lounge Access, gim gi khi thu xe t t li/c ngi
li khi s dng dch v Car Rental. Gim 50% ph thnh vin Golf Membership
Program, v c quyn tham gia 1 min ph 5000 kha hc chi golf trn ton
cu, cng nh 500 sn golf trn ton th gii u i Home&Away cho php gim
n 50% khi thanh ton bng th HSBC Premier MasterCard ti tt c cc ca
hng ni a v cc im lin kt trn ton th gii Min ph bo him du lch ton cu
Qu khch ch cn thanh ton bng th tn dng, tch ly im thng, sau i im
thng ly phn thng l cc mn qu hoc phiu mua hng hp dn trn Danh Mc Phn
Thng trc tuyn ca HSBC, vi mi 1000VND = 1 im thng Cung cp y cc dch v
e-banking, mobile banking v dch v ATM iu kin ng k: Thu nhp t 18
triu VND/thng3.2.3 Th Tn Dng Visa Vng Hn mc tn dng (VND): 36 triu -
300 triu u i Home&Away cho php gim n 50% khi thanh ton bng th
HSBC Premier MasterCard ti tt c cc ca hng ni a v cc im lin kt trn
ton th gii Khch hng ch cn thanh ton bng th tn dng, tch ly im thng,
sau i im thng ly phn thng l cc mn qu hoc phiu mua hng hp dn trn
Danh Mc Phn Thng trc tuyn ca HSBC, vi mi 1000VND = 1 im thng Cung
cp y cc dch v e-banking, mobile banking v dch v ATM iu kin ng k:
Thu nhp t 12 triu VND/thng3.2.4 Th tn dng Visa Chun Hn mc tn dng
(VND): 12 triu - 60 triu u i Home&Away cho php gim n 50% khi
thanh ton bng th HSBC Premier MasterCard ti tt c cc ca hng ni a v
cc im lin kt trn ton th gii Khch hng ch cn thanh ton bng th tn dng,
tch ly im thng, sau i im thng ly phn thng l cc mn qu hoc phiu mua
hng hp dn trn Danh Mc Phn Thng trc tuyn ca HSBC, vi mi 1000VND = 1
im thng Cung cp y cc dch v e-banking, mobile banking v dch v ATM iu
kin ng k: Thu nhp t 6 triu VND/thngHin, ngn hng ny ang dn u v doanh
s thanh ton qua th tn dng ti Vit Nam theo xp hng ca t chc VISA
trong 5 nm lin tip (2008-2013). ng thi, HSBC Vit Nam hin l ngn hng
ng th 3 v s lng th quc t pht hnh ti Vit Nam3.3 Qui trnh cho vay tiu
dngQuy trnh cho vay c bt u t khi cn b tn dng tip nhn h s khch hng v
kt thc khi k ton vin tt ton thanh l hp ng tn dng. Quy trnh c son
tho vi mc ch gip cho qu trnh cho vay c din ra thng nht, khoa hc, hn
ch phng nga ri ro v nng cao cht lng tn dng, gp phn p ng ngy mt tt
hn nhu cu vay vn ca khch hng c nhn. Quy trnh cho vay tiu dng ca
HSBC v bn cht cng nh hu ht cc ngn hng khc ang p dng nhng n c son
tho chi tit v cht ch hn. Qui trnh c chia thnh cc bc sau:3.3.1 Tip
nhn v hng dn khch hng v h s vay vn:i vi khch hng ln u: CBTD hng dn
khch hng cung cp nhng thng tin v khch hng, cc quy nh ca HSBC m khch
hng phi p ng v iu kin vay vn v t vn lp h s cn thit c ngn hng cho
vay.i vi khch hng c quan h tn dng: CBTD hng dn khch hng hon thin h
s vay. H s vay gm c: H s khch hng H s khon vay H s m bo tin vaySau
khi kim tra, nu h s khch hng y , CBTD bo co khch hng v tip tc tin
hnh cc bc trong quy trnh. Nu h s ca khch hng cha y , CBTD yu cu
khch hng hon thin tip nhn h s.3.3.2 Thm nh cc iu kin vay vn (phn
tch tn dng): y l khu quan trng nht ca quy trnh tn dng xc minh tnh
chnh xc ca giy t khch hng np cho ngn hng ng thi lm cn c cho quyt nh
v vic cho php vay vn hay khng, v quyt nh c chnh xc hay khng u da
trn kt qu cu bc thm nh ny.Kim tra h s v mc ch vay vn:CBTD kim tra y
, xc thc, hp php v hp l cu h s vay vn qua c quan pht hnh ra chng
hoc qua cc knh thng tin. Kim tra h s khch hng Kim tra h s vay vn v
h s m bo tin vay Kim tra mc ch vay vn.i vi nhng khon vay vn bng
ngoi t, kim tra mc ch vay vn m bo ph hp vi quy nh qun l ngoi hi hin
hnh v i tng vay vn bng ngoi t.iu tra v thu thp thng tin v khch hng
vay vn: gia nh, mc ch, ngun thu nhp, quan h lm n vi bn hng.Kim tra
xc minh thng tin: c thc hin qua cc ngun sau: H s vay vn trc y v hin
ti ca khch hng ti HSBC. Thng qua trung tm thng tin tn dng (CIC). Cc
c quan qun l trc tip khch hng xin vay (UBND, c quan thu,..) Cc ngn
hng m khch hng tng hay ang vay vn .D kin li ch ca ngn hng nhn c nu
khon vay c ph duyt:CBTD phi tin hnh tnh ton li hoc chi ph (cc li
ch) c th thu c nu khon vay c ph duyt.Thm nh TSB tin vay: ti sn m bo
l c s ngn hng c th tin hnh thu hi n cho khch hng nhm mc ch: Nng cao
trch nhim thc hin cam kt tr n ca bn vay. Phng nga ri ro khi phng n
tr n cu bn vay khng thc hin c hoc xy ra cc ri ro khi phng n tr n ca
bn vay khng thc hin c hoc xy ra cc ri ro khng lng trc c khin khch
hng khng tr n c. Phng nga hnh vi gian ln ca khch hng.Khi tin hnh
thm nh TSB, CBTD cn lm r: tnh php l ca giy t chng nhn quyn s hu v
cc giy t c lin quan TSB, ngun gc v TSB khng c tranh chp.3.3.3 Xc nh
phng thc cho vay: vic la chn phng thc cho vay phi ph hp vi c im sn
xut kinh doanh, lun chuyn vn ca khch hng v yu cu kim tra kim sot s
dng vn ca ngn hng. Cn b tn dng xc nh phng thc cho vay theo quy ch
hin hnh ca HSBC.3.3.4 Xem xt kh nng ngun vn, iu kin thanh ton v li
sut cho vay: Xem xt kh nng ngun vn: cn i ngun vn vi khon vay ln v d
tnh kh nng chuyn i ngoi t i vi nhng khon vay thanh ton nc ngoi. Xc
nh li sut cho vay:Li sut= chi ph vn + chi ph ri ro tn dng + t l l
nhun k vng. CBTD i chiu vi li sut sn v li sut th trng ua ra mc li
sut cho vay hp l. Xem xt iu kin thanh ton: CBTD v trng phng tn dng
phi hp vn phng thanh tra xut nhp khu xc nh iu kin thanh ton v hnh
thc thanh ton i vi khon vay thanh ton nc ngoi3.3.5 Lp t tnh thm nh
cho vay: trn c s kt qu thm nh trn, CBTD lp t trnh thm nh. T trnh
thm inh phi m bo chi tit, y tt c cc ni dung lin quan.3.3.6 Ti thm
nh cc khon vay: gi tr tin vay phi c ti thm nh theo tng thi k. Thi
hn ti thm nh khng nm trong thi hn quy nh cho thm nh gc v khng qu 3
ngy i vi mn vay ngn hn v khng qu 5 ngy i vi mn vay trung v di
hn.3.3.7 Trnh duyt khon vay: c thc hin theo cc trng hp v ph hp vi
Quy ch hi ng tn dng v quy nh khc ca HSBC.3.3.8 Son tho ni dung hp
ng/s vay vn:Sau khi xem xt k khon vay v ng cho vay, CBTD son tho hp
ng tn dng/s tay vay vn v hp ng m bo tin vay cho ph hp trnh trng
phng tn dng kim sot.3.3.9 Gii ngn: CBTD kim tra, gim st cht ch cc
iu kin gii ngn. Mc ch, i tng, cn c gii ngn; s tin hoc hn mc c gii
ngn, tin gii ngn c tha thun trong hp ng tn dng v ph hp vi tnh hnh s
dng vn ca khon vay.3.3.10 Kim tra, kim sot khon vay: l qu trnh thc
hin cc bc cng vic nhm m bo ngi vay s dng ng mc ch, c hiu qu s tin
vay, n c hon tr n gc, li vay ng hn, ng thi thc hin cc bin php thch
hp nu ngi vay khng thc hin ng cam kt.3.3.11 Thu n li v gc v x l
nhng pht sinh3.3.12 Thanh l hp ng tn dng v hp ng bo m tin vay: Tt
ton khon vay Thanh l hp ng tn dng/s vay vn/hp ng bo m tin
vay.3.3.13 Gii chp TSB Xut kho giy t v TSB Xa ng k giao dch bo
m3.3.14 Lu gi h s tn dng.
3.4 Tnh hnh cho vay tiu dng ti HSBC3.4.1 Nm 2012:3.4.1.1 Tnh
hinh chung: Nhn chung nn kinh t trong nm 2012 vn cn cha thot khi
suy thoi sau cuc khng hong ti chnh ton cu nm 2008. Tc tng trng GDP
trong khong 1 thp nin trc thng cao hn mc tng trng trung bnh l 7% gi
chm li. Tnh n qu I/2012 con s ny ch l 4.1 % v c d bo l 5,1% n cui
nm nhng thc t l 5,03%. Ti thi im ny tc tng trng tn dng thp do li
sut cho vay cao, doanh nghip thiu ti sn bo m tip cn ngun vn vay v
nhu cu tiu dng thp. Trn thc t tng trng tn dng nm 2012 ch t 8,91%
thay v 15-17%% do nh nc ra nhng . iu ny c th thy rng lng vn ca ngn
hng trong nm 2012 hp th km v l h qu ca chnh sch tht cht tn dng nm
2011 ca chnh sch nc nhm kim ch lm pht. Thnh qu c th thy l mc lm pht
c kim sot mc mt con s l 6,81%.
4 thng u nm li sut cho vay tiu dung gim ng k so vi nm 2011: tuy
nhin ngi vay vn e d v li sut thp (13,5%-14,4%) th li tnh li theo
khon n gc, cn li sut khong 17,5%-20% li tnh trn s d n gim dn(mc li
sut ny gim 2-5% so vi trc ri). V li sut cho vay l li sut th trng v
th tuy li sut gim nhiu so vi 20% nhng vn cao trong bi cnh nn kinh t
pht trin chm, lm pht cao, tiu dng chmVo khong thng 11/2012: Nhu cu
vay tiu dng thng tng cao vo dp cui nm, nhng cui nm khng kh vn kh m
m d li sut gim. Nhiu ngn hng tung ra cc gi cho vay tiu dng nh mua
nh, sa cha nh vi li sut vay di 10%/nm - ngang bng vi mc LS ca nhng
nm 2006 - 2007 nhng tc cho vay vn km xa. Nguyn nhn cho vay tiu dung
ch: Li sut cao: c tnh theo li sut th trng nhiu bin ng, tuy c gim
nhng vn mc cao so vi bi cnh nn kinh t lc ny nn ngi tiu dung e ngi
ng trc t l n xu cao, tuy cc ngn hng c tch cc gim li sut cho vay
nhng bn cnh li tht cht iu kin cho vay. Ngi tiu dng c xu hng tht cht
chi tiu trong thi k khng hong.Thng 6/2012 li sut cho vay tiu dng,
mua t, nh , sa cha nh ti a s ngn hng vn dao ng ph bin quanh mc 14
17%/nm. Nhng ngn hng cng b gim li sut cho vay xung mc hp dn th ch p
dng cho cc thng vay u tin, nn tnh trung bnh li sut vn dao ng quanh
14 15%/nm v thi gian vay l t 24 thng n 36 thng. Nu thnh ton hp ng
trc hn th s b pht trn phn tr trc hn. 3.4.1.2 Ti HSBCHSBC l ngn hng
nc ngoi c u th ln khi thc hin nghin cu cc thay i, xu th ca th trng
Vit Nam t c chnh sch, chin lc hp l pht trin cc knh tn dng ca mnh.Kt
qu nghin cu cho thy tc tng trng tn dng chm trong h thng ngn hng
thng mi Vit Nam. N xu ln c xem l nguyn nhn lm xi mn ngun vn kinh
doanh, km hm tc tng trng tn dng hin nay. ng trc tnh hnh hng tn kho
ca cc DN ln, li sut cao( d gim), kh nng hp th vn nn kinh t km th
knh cho vay tiu dng kch thch tng trng tn dng l mt knh xem thot him
v c HSBC trin khai nhanh v rng khp cc chi nhnh ca mnh. ng trc xu th
gim li sut chung theo th trng, HSBC cng ln lt h li sut cho vay ca
mnh ngi vay d tip cn vi ngun vn vay hn, c bit ch trng vo khch hng c
nhn, h gia nh.HSBC l mt trong cc ngn hng i u trong to sng s dng th
tn dng n mi tng lp dn chng ti cc khu th ln nh H Ni, TP HCM, Nng,
... i ng nhn vin ti cc ngn hng ny lin tc in thoi, gi mail mi cho
khch hng m th vi nhng chnh sch u i v th tc n gin.ng thi thc hin cc
chng trnh u i hp dn nh: tng ipad, tng, tt c cc khch hng m th u c
tng 1 triu ng.Thng 4, HSBC Vit Nam trin khai chng trnh u i 0% li
sut thng u tin cho tt c cc khon vay. Li sut di hn tt nht c th p dng
cho khch hng vay tiu dng l 17%Ngy 9/5, HSBC chnh thc thng bo gim
thm t 1-2% li sut cho vay i vi khch hng c nhn, trong :gim 1% li sut
cho c cc khon vay tn dng tiu dng. Lc ny li vay di hn tt nht c th p
dng cho cc khch hng HSBC vay th chp l 15,5%/nmThng7, li sut cho vay
tiu dng ca HSBC mc rt cao so vi cc ngn hng ni :li sut cho vay tiu
dng i vi khon vay t 50tr-150tr l 25% khon vay t 150tr tr ln l 24%,
tnh theo s d gim dn. Cn nu khch hng tr dn gc v li n khi o hn th li
sut tng ng vi 17,7%/nm..Nu tt ton trc hn ngay trong nm u tin s b
pht li sut 5%/nm, nm th hai l 4%, nm th ba l 3% v nm th 4 mi c
khuyn khch. Tuy nhin vi mc li sut ny HSBC ni lng iu kin cho vay hn:
cho vay tn chp, cc khong vay ti a ln 11-12 thng lng(trong khi cc
ngn hng ni:7-8 thng lng), thi gian vay c ko di n 48 thng, gii ngn
nhanh chng...Khong thng 10/2012 HSBC tng hn mc ti a cho vay tiu dng
tn chp ln 250 triu ng, ko di thi gian vay ln 48 thng, li sut n
24%/nmN kh i ca HSBC nm 2012 l 822 t ng, n qu hn vo khong 2400 t
ng, t l an ton vn ca HSBC l 12% (theo quy nh ca NN ti thiu l
9%).3.4.2 Nm 20133.4.2.1 Tnh hnh chungTip ni nm 2012, cc ngn hng vn
tip tc y mnh cho vay tiu dng nhm y vn v tng tc tng trng tn dng. Bc
sang nm 2013, thanh khon ca cc ngn hng di do hn, n xu cng y li mt
phn v th cc ngn hng cng h tiu chun cho vay xung ngi tiu dng tch cc
tip cn vi ngun vn vay hn. Cc ngn hng ua nhau a ra cc gi gii ngn cho
vay tiu dung:Eximbank cng b gi cho vay 5.000 t ng dnh cho khch mua
nh, sa cha nh . Nhiu ngn hng ln khc nh Vietcombank, Vietinbank,
BIDV... cng lin tip tung ra cc gi cho vay tiu dng vi nhng u i hp
dn. Theo , li sut ch xoay quanh mc 12% trong 3-6 thng u tin, sau s
tha thun li vi khch hng da trn li sut th trng. Trong thng 7
Techcombank tung ra gi cho vay c nhn ln ti 4.000 t ng vi mc u i li
sut hp dn nht trn th trng l 5,99%/nm, trong 1, 3 v 6 thng u (ty k
hn vay), ngn hng s nh gi theo tng nhm khch hng gim hn li sut cho
sut k vay, c th gim ti 1%/nm so vi mt bng chung trn th trng. Hay nh
ngn hng ANZ a ra gi tiu dng khng cn tn chp, gii ngn ln ti 500tr ng,
LS 20%, khng cn th chp hay ti sn m bo g. C bit c ngn hng a ra gi
khng cn tn chp gii ngn nhanh trong vong 48h ln ti 250tr, thi hn
linh hot t 12-48 thng, LS 22% tnh theo s d n gim dn...Thnh qu t c:
tng trng tn dng nm 2013 t 12,51% vt k hoch (12%). C c mc tng trng
tt ny ch yu l nh vo cho vay tiu dng, c bit vo dp cui nm, t l n xu
gim cn 3,8% gim 1% so vi u nm 2013 (do trong nm y mnh bn n xu cho
VAMC)3.4.2.2 Ti HSBCTheo xu th chung ca th trng, HSBC cng thc hin
cc chng trnh khuyn mi nhm thu ht ngi tiu dng n vi khon vay tiu dng
ca mnh nh: hng ngy li sut 0% cho thng u tin hoc 3 thng u tin i vi
khch hng mi, khon vay ln n 250 triu ng, thi hn vay linh hot n 48
thng. Khng cn th chp ti sn hay bo lnh cng ty, Ngn hng ny s p ng nhu
cu vay mua sm, du lch, xy sa nh, t chc m ci, mua xe my cho khch hng
18 60 tui c thu nhp hng thng t 8 triu ng tr ln. Li sut cho vay tiu
dng l 25%, li sut pht nu tr trc hn l 3%. li sut pht n qu hn bng
150% li sut p dng tnh trn s d n qu hn.Ngoi nhng chnh sch trn, HSBC
cn m rng cc chin lc lm th tn dng v lin kt cc c hng in thoi, my tnh,
t...bn hng tr gp tng cho vay c nhn, khuyn khch s dng th tn dng ca
HSBC Bo co ti chnh su thng u nm 2013 tm tt ca Ngn hng HSBC Vit Nam
cho bit n kh i ca ngn hng ny trong su thng u nm l hn 1.104 t ng,
tng 34% so vi con s cui nm 2012. N qu hn ca mnh vo cui thng 6-2013
l gn 2.969 t ng, tng thm 25% so vi cui nm 2012. T l n qu hn/tng d n
cho vay khch hng ca HSBC Vit Nam vo cui thng 6 l 9,2% v t l n kh
i/tng d n l 3,4%.T l n xu ca HSBC vn thuc dng thp so vi cc ngn hng
Vit Nam. M t l n xu ny c HSBC cho bit l kinh t kh khn, nhiu DN khng
c kh nng thanh ton dn n tnh trng n qu hn ti ngn hng tng cao, cn n
xu t cho vay tiu dng chim t trng nh.T l an ton vn ca HSBC Vit Nam l
13%.3.4.3 Bn thng u nm 2014:Bc sang nm 2014 cc ngn hng vn tn cng vo
tn dng cho vay tiu dng v cc DN vn cha hon ton khi phc li qu trnh sn
xut bnh thng, hng tn kho vn cn, DN cn e ngi, quan trng l nhu cu vay
tiu dng ngy cng tng ln. Cc ngn hng ngoi ang chim c u th cao trong
cho vay tiu dng v: gii ngn ln (500tr), ch trong vng 1-2 ngy, m khng
cn th chp hay bo lnh g..c bit khi cc ngn hng ni co hp iu kin cho
vay nhm nng cao cht lng khon vay, hn ch ri ro t cho vay tn chp th
ngn hng ngoi li ni lng. iu kin d dng khin nhiu ngi chp nhn vay cc
ngn hng ngoi nh HSBC, ANZ vi li sut cao.V hin nay li sut cho vay
tiu dng c HSBC p dng l 20-24%/nm tnh trn s d n gim dn ty thuc k hn
v s lng vay.
3.5 Kh khn trong vic cho vay tiu dng ca HSBCNm 2012, 2013 c nhn
nhn l 2 nm l mt nm c nhiu kh khn vi ngnh Ngn hng. Hong lot cc hot
ng ti cu trc h thng ngn hng din ra nhm a nn kinh t pht trin n nh.Nn
kinh t suy thoi l 1 trong nhng nguyn nhn hng u gy kh khn cho vic
cho vay tiu dng. Cn khng hong kinh t lm hn 200 000 doanh nghip ri
vo tnh trang "ng ca". Ngoi ra, nhn vin cc doanh nghip ang hot ng cn
b gim lng. C vic lm n nh th ngi dn mi dm vay ri tr gp. Nim tin v nn
kinh t, tin vo chnh sch nh nc, chnh sch ca ng trong vic gii quyt cc
kh khn kinh t ang tng dn ln, tuy nhin n vn rt mng manh v ang mc
thp. Khi no s ht khng hong? Khi no s phc hi sn xut to cng n vic lm?
C g bo m l lm pht s khng "phi nh nga" sau cc bin php tht cht ti
chnh, tin t?... rt nhiu cu hi khng c li p v bo m, nn khng th c nim
tin tiu dng. V tin tr n cho vay tiu dng ly t ngun thu nhp trong tng
lai nn nhiu ngi dn s e d khng vay.N xu vn l ro cn i vi hot ng ngn
hng. Theo quan im ca mt s lnh o cc ngn hng 100% vn ngoi ang hot ng
ti Vit Nam, trong bi cnh KTVM cha hon ton hi phc th kh khn vi ngnh
Ngn hng trong nm 2014 vn cn rt ln, trong ln nht phi k n vn x l n xu
(XLNX). Thng t 02 c hiu lc t ngy 1/6 ti, theo cc khon n xu c th s l
din thm - ng Phm Hng Hi, Ph tng gim c, Gim c Khi ngn hng ton cu,
kinh doanh tin t v th trng vn - Ngn hng HSBC Vit Nam nhn nhn. u ra
ch yu ca ngn hng l cho vay doanh nghip lc ny ang gp b tc cho vay
tiu dng chnh l li thot v cng s l hng i trong tng lai. Tuy nhin n xu
tng cao ngn hng cng phn no kh khn hn trong vic cho vay mc d cho vay
tiu dng ang l gii php tt nht.Ngoi ra ngn hng a ra phng n cho vay
tiu dng da trn ngun thu nhp n nh (lng). Theo phng n ny, ngi tiu dng
phi chng minh thu nhp ca mnh. i vi Vit Nam khi m tin mt trong tiu
dng vn l chnh, th vic xc nhn mc thu nhp iu kin cho vay l iu khng d
dng. Chnh v vy mc d c 2 bn u c thin ch nhng cui cng hp ng tn dng vn
khng th c k kt.Cnh tranh trong cho vay tiu dng ca cc ngn hng hin
nay rt khc lit, khi ni nhp cuc vi nhiu li th, t nht l li sut ca h
ang thp hn so vi ngn hng nc ngoi v cc cng ty ti chnh. HSBC l ngn
hng c li sut cho vay tiu dng trong top cao nht.Bo co ti chnh su
thng u nm 2013 tm tt ca Ngn hng HSBC Vit Nam cho bit n kh i ca HSBC
trong su thng u nm l hn 1.104 t ng, tng 34% so vi con s cui nm
2012. N qu hn ca HSBC vo cui thng 6-2013 l gn 2.969 t ng, tng thm
25% so vi cui nm 2012. Bo co ti chnh vo thng 6 ca HSBC Vit Nam c
sot xt bi KPMG. T l n qu hn/tng d n cho vay khch hng ca HSBC Vit
Nam vo cui thng 6 l 9,2% v t l n kh i/tng d n l 3,4%. Nhn chung, t
l n xu ca HSBC vn mc thp nhng li ang c xu hng tng ln cho thy c kh
khn trong vic x l n xu ca ngn hng.3.6 Chin lc pht trin ca HSBCD xc
nh cn khng t thch thc kh khn trong nm 2014, nhng cc ngn hng ngoi
cng c nhiu c s tin tng mt tng lai tt p hn. Trong , mt trong nhng c
hi ln m h thy r v mun ch ng nm bt l vic Vit Nam c th chm dt m phn v
tr thnh thnh vin ca nhiu hip nh thng mi t do song phng v khu vc ln
trong nm 2014 nh Hip nh i tc xuyn Thi Bnh Dng (TPP); Hip nh thng mi
t do vi EUMt khi c hiu lc, cc hip nh ny k vng s thc y mnh cc dng
chy vn, dng chy thng mi, thc y u t nc ngoi m cc ngn hng ngoi vn c
li th v mng li v ti tr thng mi s khng th b qua. Nhu cu v vn trung v
di hn ca cc DN vn cn rt ln, trong khi kh nng cung ng vn di hn ti th
trng trong nc c nhiu hn ch. HSBC s ch trng vo vic h tr cc DN Vit
Nam tip cn th trng vn quc t trong bi cnh th trng vn trn th gii vn
cn thun li cho cc DN t cc th trng ang pht trin ng Phm Hng Hi chia
s.CEO Sumit Dutta cho bit, HSBC Vit Nam s tip tc tn dng li th mng
li trn ton cu ti hn 80 quc gia h tr cc DN nc ngoi tham gia u t vo
Vit Nam v cc DN Vit Nam mua bn hoc u t ra th trng nc ngoi.Hot ng
cho vay tiu dng ca cc ngn hng ngoi nh HSBC c 1 phn ln l cho vay cng
nhn vin ca cc cng ty l khch hng ca ngn hng nht l cc doanh nghip nc
ngoi, qua m cho vay tiu dng s c m rng ng kLnh o HSBC cho bit s tip
tc a ra cc sn phm cho vay tiu dng a dng nhm p ng nhu cu ngy cng cao
ca khch hng. Cng vi , HSBC s tp trung nng cao cht lng dch v h tr tt
nht cho cc khch hng, qua nhm to s khc bit cht lng dch v v tng cng
kh nng cnh tranh.1. Mt s kin ngh gii php pht trin cho vay tiu dng
cho HSBC3. Hon thin chnh sch khch hng v th trngXc nh v tp trung vo
nhm khch hng trng yu cho vay tiu dng l cc CN & HGD. T vn cho
khch hng s dng sn phm ca chi nhnh, cho khch hng thy c nhng li ch v
vic giao ch vi ngn hng. Tin hnh phn khc th trng gii thiu sn phm,
qun b dch v ph hp vi tng i tng khch hng ng thi c chnh sch tip cn,
phc v mi i tng khch hng hiu qu, l mt vic ht sc cn thit. bn cnh kt
hp vi cng ty bn l l gii php c tnh chin lc nhm to kh nng cnh tranh
ca ngn hng trong tng lai v hot ng pht trin cho vay tiu dng.4.2 a
dng ha sn phm cho vay tiu dng theo mc ch vay vn, m rng i tng v phm
vi cho vay.4.2.1 a dng ha sn phm theo mc ch vay vn M rng cho vay
theo cc mc ch thanh ton hng ha dch v, vay mua sm trang thit b ni
tht gia nh, thanh ton tin i du hc, thanh ton tin khm cha bnh, i du
lch khng nhng thu ht thm khch hng, m rng th phn m cn tng sc cnh
tranh Pht trin cc sn phm mi nh: s dng gi sn phm cho vay trn gi b ba
sn phm( v d cho vay tiu dng, thu chi v pht trin th tn dng) mang li
li ch tin li v nhanh chng cho ngi vay. Bn cnh pht trin cc hnh thc
vay tiu dng i du lch nc ngoi, t chc m ci.4.2.2 M rng i tng v phm vi
cho vay Pht trin CVTD vi nhng i tng khch hng l vin chc nh nc, nhn
vin cng ty, ch doanh nghipy l i tng ch yu m HSBC cn hng ti. Pht
trin thm nhiu im giao dch mi, thc hin cho vay tiu dng i vi tt c cc
CN&HG trn nhng a bn khc nhau.4.2.3 Ci thin quy trnh v quy ch ph
hp i vi i tng khch hng c nhn.Ci thin quy trnh, quy ch cho vay tiu
dng thng thong, thi gian phc v khch hng nhanh chng, thm nh chnh xc,
gi mi quan h vi khch hng thng xuyn, v kim tra kim sot trc trong v
sau khi cho vay theo hng ph hp vi i tng khch hng4.2.4 Nng cao cht
lng sn phm dch v m NH ang cung cp, cht lng cng ngh v thng tin. Nng
cao v b sung nhng tnh nng mi cho sn phm, thc ra l tng gi tr s dng
cho sn phm dch v: Linh hotr v mc cho vay, a dng ha cc thi hn cho
vay, cc hnh thc tr li, li sut phi linh hot theo i tng cho vay C cu
sp xp i mi, nng cao h thng cng ngh thng tin cho ph hp vi tnh hnh
mi, ly cng ngh thng tin lm cng c c lc thc y cc hot ng kinh doanh
dch v bn l. Vi kh nng cho php t ng ha hot ng tc nghip, xy dng v pht
trin cc sn phm c hm lng cng ngh cao, t ph nghip v dch v bn l, tng
cng kim tra gim st, hin i ha cng ngh thng tin ngn hng hin i va c
tnh cp thit va l yu t lu di m bo s pht trin bn vng ca HSBC.4.2.5
nng cao cht lng i ng cn b v c s h tngT chc o to v o to li chuyn mn
nghip v cho cn b cng nhn vin ngn hng bn cnh bi dng o c, phm cht cho
cn b tn dng v khng ngng c chnh sch u i khen thng v k lut xng
ng.4.2.6 Gii php tng cng hot ng marketing, nng cao thng hiu HSBC
Thc hin tip th qung b sn phm hiu qu i i vi qung b thng hiu HSBC Lp
mt b phn nghin cu sn phm v qung b thng hiu HSBC mang tnh chuyn mn v
u t hiu qu. Xy dng vn ha tc phong phc v khch hng mang du n ring ca
HSBC To ra s thng nht trang phc, xy dng tiu chun v phong cch phc v
khch hng( cho hi..) To s thng nht v hnh nh ca HSBC ti mi im giao
dch Gy n tng vi khch hng bng thng hiu cc im bn hng l s thng nht hnh
nh ca ngn hng4.2.7 Mt s bin php khc Thng xuyn theo di s bin ng ca
th trng, c bit l s bin ng v li sut, c s so snh i chiu gi cc ngn hng
trn cng a bn v mc li sut cho vay tiu dng v chnh sch ca ngn hng, ngn
hng c s iu chnh hp l. D bo xu th bin ng ca th trng nh t. Bi v th
trng ny nc ta cng nh nhiu nc trn th gii u c tng trng mnh v suy gim
ko di, t nh hng n kh nng tr n ca khch hng. Cho n nay vn cha c s liu
chnh xc v cho vay tiu dng vo bt ng sn so vi tng d n, ng thi cha c
tng kt thc tin t l l bao nhiu th an ton. Song HSBC cn xy dng mt t l
hp l trnh ri ro1. nh gi v hot ng cho vay tiu dng ca HSBCNhn qua tnh
hnh thc t, cho vay tiu dng ca HSBC lun st v bin ng trc hoc cng vi
xu th bin ng ca hot ng tn dng h thng ngn hng Vit Nam.HSBC c nhiu mt
li pht trin cho vay tiu dng trong my nm qua, v bc sang 2014 vn s
pht trin su v rng hn na h thng ngn hng bn l ch khng ring g mng cho
vay tiu dng trong giai on hin nay. Trong khng th khng k n l HSBC l
mt ngn hng nc ngoi c ngun vn di do, c h thng nghin cu , d bo tt nh
hng pht trin ti th trng Vit Nam i ng nhn vin lm vic chuyn nghip,
cht lng phc v cao. Hai nm gn y, chng ta c th thy li sut ca HSBC mc
rt cao c th ni l ngt ngng nhng li l ngn hng chim nhiu u th v c t
trng cho vay tiu dng nhiu hn cc ngn hng ni ia. Bc sang 2014, HSBC c
ci nhn vi th trng tiu dng Vit Nam kh kh quan, c nhiu d bo tt cho nm
2014 v cng ch ra rng nm 2014 tr i th cho vay tiu dng l xu hng tt yu
ca Vit Nam.