Enhancing the Credit Activities of Vietinbank in Vietnam

tivities FOREIGN TRADE UNIVERSITY Finance & Banking Faculty ~~~~~~*~~~~~~ [pic] INDEX

PREFACE 1

INTERNSHIP REPORT 3

CHAPTER I: INTRODUCTION OF VIETINBANK THANH HOA AND CURSORY CONTENTS OF MY WORKS THERE 3

I. Introduction 3

1. The formation and development 3

2. The organizational structure 4

3. Overview of operational status of VietinBank Thanh Hoa 6

II. My works at VietinBank Thanh Hoa during the internship 9

CHAPTER II: THE STATUS OF BUSINESS LENDING ACTIVITIES OF VIETINBANK THANH HOA 11

I. General situation-effects of new interest rate ceiling recently 11

1. Economic situations in Thanh Hoa and its enterprises 11

2. Directives of the State Bank of Vietnam on the lending problems and movement of the bank 11

II. Business lending activity of VietinBank Thanh Hoa 13

1. Principles, requirements and process of capital lending to business of VietinBank Thanh Hoa 13

2. Real situation of business lending activity of VietinBank Thanh Hoa 17

2.1. Data and comments of business lending activity 17 2.2. Evaluate the lending quality with related ratios 24 2.3. Evaluation of business lending activity of VietinBank Thanh Hoa 29 2.3.1. Advantage and achievement in business lending activity 29 2.3.2. Current difficulties and reasons 30

CHAPTER III: SOLUTIONS AND PETITIONS ABOUT PROBLEM OF BUSINESS LENDING 35

I. Solutions 35

1. Handling with bad debt problem in 2012 35

2. Handling with problem of increasing the number business depositors and borrowers in capital mobilization 40

3. Handling with problem of advertising for lending activity of the bank 41

4. Handling with some other problems in business customer department of

References: [1] Financial statements of VietinBank Thanh Hoa in 2010, 2011 and 31/5/2012 – General coordination department of VietinBank Thanh Hoa [2] Capital mobilization report of VietinBank Thanh Hoa – General coordination department.