Personal Loan Process
FOREIGN TRADE UNIVERSITY
HO CHI MINH CITY CAMPUS
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MID-COURSE INTERNSHIP REPORT
Major: International Finance
PERSONAL LOAN PROCESS
IN NGUYEN VAN TROI T/O OF ORIENT COMMERCIAL JOINT STOCK BANK
Internee: Nguyễn Thị Kiều Trinh
Student ID: 1001036544
Class: K49-CLC2
Supervisor: Đặng Lê Phương Xuân
Ho Chi Minh City, June 2012
TABLE OF CONTENTS
PREFACE 4
CHAPTER ONE: INTRODUCTION OF NGUYEN VAN TROI TRANSACTION OFFICE (T/O) OF ORIENT COMMERCIAL JOINT STOCK BANK (OCB) 6
1.1. Introduction about Orient Commercial Joint Stock Bank 6
1.1.1. Brief history 6
1.1.2. General information 6
1.1.3. Development 7
1.2. Function, tasks and organizational structure of Nguyen Van Troi T/O of OCB 8
1.2.1. Function and task of Nguyen Van Troi T/O 8
1.2.2. Organizational Hierarchy chart of Nguyen Van Troi T/O 9
1.2.3. Functions of main departments in Nguyen Van Troi T/O 11
1.3. Business outcomes of Nguyen Van Troi T/O in 2010-2012 12
1.3.1. Revenues, costs, profits 12
1.3.2. Types of products, markets 13
1.4. Roles of the personal loan process in Nguyen Van Troi T/O of OCB 14
CHAPTER TWO: THE PERSONAL LOAN PROCESS IN NGUYEN VAN TROI T/O OF OCB 15
1.1. The personal loan process in Nguyen Van Troi T/O of OCB 15
1.2. Summary of strengths and weaknesses of the process 22
1.2.1. Strengths 22
1.2.2. Weaknesses 22
CHAPTER THREE: THE OUTLOOK, ORIENTED DEVELOPMENT AND RECOMMENDATIONS FOR IMPROVEMENT OF THE PERSONAL LOAN PROCESS IN THE NGUYEN VAN TROI T/O OF OCB IN PERIOD 2013-2014 23
1.1. The outlook of the personal loan process in Nguyen Van Troi T/O of OCB in the period 2013-2014 23
1.1.1. Opportunities 23
1.1.2. Threats 23
1.2. The oriented development of the personal loan process in Nguyen Van Troi T/O in the period 2013-2014 24
1.3. Recommendations for improving the personal loan process in
HO CHI MINH CITY CAMPUS
---------***--------
[pic]
MID-COURSE INTERNSHIP REPORT
Major: International Finance
PERSONAL LOAN PROCESS
IN NGUYEN VAN TROI T/O OF ORIENT COMMERCIAL JOINT STOCK BANK
Internee: Nguyễn Thị Kiều Trinh
Student ID: 1001036544
Class: K49-CLC2
Supervisor: Đặng Lê Phương Xuân
Ho Chi Minh City, June 2012
TABLE OF CONTENTS
PREFACE 4
CHAPTER ONE: INTRODUCTION OF NGUYEN VAN TROI TRANSACTION OFFICE (T/O) OF ORIENT COMMERCIAL JOINT STOCK BANK (OCB) 6
1.1. Introduction about Orient Commercial Joint Stock Bank 6
1.1.1. Brief history 6
1.1.2. General information 6
1.1.3. Development 7
1.2. Function, tasks and organizational structure of Nguyen Van Troi T/O of OCB 8
1.2.1. Function and task of Nguyen Van Troi T/O 8
1.2.2. Organizational Hierarchy chart of Nguyen Van Troi T/O 9
1.2.3. Functions of main departments in Nguyen Van Troi T/O 11
1.3. Business outcomes of Nguyen Van Troi T/O in 2010-2012 12
1.3.1. Revenues, costs, profits 12
1.3.2. Types of products, markets 13
1.4. Roles of the personal loan process in Nguyen Van Troi T/O of OCB 14
CHAPTER TWO: THE PERSONAL LOAN PROCESS IN NGUYEN VAN TROI T/O OF OCB 15
1.1. The personal loan process in Nguyen Van Troi T/O of OCB 15
1.2. Summary of strengths and weaknesses of the process 22
1.2.1. Strengths 22
1.2.2. Weaknesses 22
CHAPTER THREE: THE OUTLOOK, ORIENTED DEVELOPMENT AND RECOMMENDATIONS FOR IMPROVEMENT OF THE PERSONAL LOAN PROCESS IN THE NGUYEN VAN TROI T/O OF OCB IN PERIOD 2013-2014 23
1.1. The outlook of the personal loan process in Nguyen Van Troi T/O of OCB in the period 2013-2014 23
1.1.1. Opportunities 23
1.1.2. Threats 23
1.2. The oriented development of the personal loan process in Nguyen Van Troi T/O in the period 2013-2014 24
1.3. Recommendations for improving the personal loan process in
References: (1) An Overview and Examination of the Vietnamese Service Sector, Office of Industries, US International Trade Commission, August 2012, page 25 (2) Federal Reserve Bank of San Francisco, Asia Focus, June 2011. (3) http://investor.vietinbank.vn/News/2013/4/10/68989.aspx