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

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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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