Enhancing the Credit Activities of Vietinbank in Vietnam

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

INDEX

PREFACE1

INTERNSHIP REPORT3

CHAPTER I: INTRODUCTION OF VIETINBANK THANH HOA AND CURSORY CONTENTS OF MY WORKS THERE3

I. Introduction3

1. The formation and development3

2. The organizational structure4

3. Overview of operational status of VietinBank Thanh Hoa6

II. My works at VietinBank Thanh Hoa during the internship9

CHAPTER II: THE STATUS OF BUSINESS LENDING ACTIVITIES OF VIETINBANK THANH HOA11

I. General situation-effects of new interest rate ceiling recently11

1. Economic situations in Thanh Hoa and its enterprises11

2. Directives of the State Bank of Vietnam on the lending problems and movement of the bank11

II. Business lending activity of VietinBank Thanh Hoa13

1. Principles, requirements and process of capital lending to business of VietinBank Thanh Hoa13

2. Real situation of business lending activity of VietinBank Thanh Hoa17

2.1. Data and comments of business lending activity17
2.2. Evaluate the lending quality with related ratios24
2.3. Evaluation of business lending activity of VietinBank Thanh Hoa29 2.3.1. Advantage and achievement in business lending activity29 2.3.2. Current difficulties and reasons30

CHAPTER III: SOLUTIONS AND PETITIONS ABOUT PROBLEM OF BUSINESS LENDING35

I. Solutions35

1. Handling with bad debt problem in 201235

2. Handling with problem of increasing the number business depositors and borrowers in capital mobilization40

3. Handling with problem of advertising for lending activity of the bank41

4. Handling with some other problems in business customer department of VietinBank Thanh Hoa42

II. Petition44

1. Petitions to State Bank of Vietnam44

2. Petitions to VietinBank headquarter in Ha Noi47

CONCLUSION48

REFERENCES49

PREFACE

In the operation of the commercial banks, lending activity is the traditional operation or the background, accounting for a relatively large proportion of all the asset structure and the income structure. Now, when the activities of banking services are all expanding in both quality and quantity, the lending activity is still the inevitable activity in all commercial banks. The credit and investment often account for 70% or more in total asset of the bank. This is the main profit-generating activity to the bank. It is not only meaningful to the bank but also very important to the entire economy. It helps to create the potential for credit financing of industrial activities, commercial and agricultural economy. With the growth and rapid development of the economy, the demand for business capital is constantly increasing so this is an opportunity for banks to increase loans and help banks to look back on their own credit policies to improve as the competition between banks became more acute. Vietnam joint-stock Commercial Bank for Industry and Trade-Thanh Hoa Branch (Vietinbank Thanh Hoa) with its definite advantages as one of the biggest banks in Vietnam has become one of the strongest with firmly truth from customers in Thanh Hóa province. As one branch of Vietinbank, Vietinbank Thanh Hoa contributes not only to the overall objectives of banking system in Vietnam, but also the social and economic goals of the province. In particular, the bank keeps key role in contributing to capital investment to state and private enterprises. However, lending activities of Vietinbank currently contain many issues and problems, adding that the banking business environment is increasingly more dynamic but encounter greater risks that impede the process of expanding and improving...
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