CHỦ ĐỀ " CÁC HÌNH THỨC HUY ĐỘNG VỐN CỦA NGÂN HÀNG THƯƠNG MẠI & MỘT SỐ GIẢI PHÁP THU HÚT VỐN CỦA KHÁCH HÀNG " - Pdf 12



 !

Chủ đề






"#$
%&!"#$
"#'"()*+,%&
"-*.*$,"/0,1"0,"'()**+#$', *%&,
Page 1
Nhn xt v đnh gi ca Ging Viên:
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////
//////////////////////////

V.+"^
% ?%%*%&_
?
#6+Y$+9+56+<)78$'3N$
6#$+G$S1Z$'[191!9K12.
6AKU+Q$E6+5$'6+RS
&%%T
4. '<)=$+]
<)!9;^$
% ?%%*%%_
`
#6  '1L1 F+#F 9+< +M9 3N$
K+#6+  +($'S  '<a$  I0$
$'"(1S  8F  I(1  7M$'  b<)
7]$+
&%%T
5. '<)=$+]
V.;4^
% ?%%*%%`
?
-$'Jc1d<>9S+CW$'F+#F
9+<+M93N$K+#6++($'+12<
b<LS8FI(17M$'9+e1'1^$
b<)7]$+S
&%%T
6. Bf$+]
+c+CW$'
% ?%%*%&,
`
1Z$'[19+^$+9"#$S8FI(1

$'G$+($'Si0$6Q$+$'G$+($'K1$+k"^$+3(J(.k]6+3491Z$926q$6AB>9$+1Z<9O6+566A
90$B>9K+#6$+^<$+C6#66H$'9)IL"+1r.6#6J"Q1E+12F+8191!9K12.3(6+"3^)E6#6b<s+C<
9BhE6#6b<s9h$k4$'E+PF9#6tc9h$k4$'E/6#69O6+56$()6A90$'g16+<$'J(9O6+569(1
6+h$+Sj$'$+C6#6$'G$+($'6#69O6+56$()B^7e1$+u.6<$'6>FJP1$+<v$6+"$+w$'
$'Ce16+"+g3^)x'[191Z$yS1MF$+w$'$'Ce13^)3N$K1$+k"^$+7Q9JP1$+<v$EJ(.'1(<6+"
IL$9+G$+g3('AFF+f$J(.'1(<6+"7>9$Cz6S+C$'I>965$Cz6$("9B0$9+!'1z1E75$'7f<
6#69O6+569(16+h$+3{$J(6#6$'G$+($'9+CW$'.Q1|9O6+569(16+h$+Jz$$+>9Eb<^$9B"$'
$+>99B"$''1z1K1$+k"^$+S}~93ZIL$6+>9$'G$+($'9+CW$'.Q16+RJ(.89k"^$+$'+12F
K1$+k"^$+9B0$9+]9BCe$'Ed"$'$A7l6I129D6+OJ(k"^$+$'+12FK1$+k"^$+.89J"Q1+($'
+A^7l6I129J(91Z$92E3($'IQ6E6#6J"Q16+5$'K+"#$'E3(7#b<:E/}~93Z6+56$-$'9+Y
$'G$+($'9+CW$'.Q1K+H$'9B•691!F9+^.'1^dL$t<>93(JC<9+H$'+($'+A^$+C6#6k"^$+
$'+12F9+H$'9+Ce$'E$+C$'$A'AFF+f$3("3126F+#99B1r$K1$+9!tc+81S
Y.+1r<3Z$'G$+($'9+CW$'.Q1J(.89J€$+3•67q1+•1F+L16AK1!$9+566+<)0$dG<
3($'+10$65<.896#6+K+"^+g6Sz17Z9(1‚Cc hnh thchuy động vốn ca ngân hng
thương mại v một số gii php thu h%t vốn ca khch hngƒ$+A.„.6+Rt1$9BY$+I(1dWJCP6
$+w$'$81k<$'6+h$+9B"$'F+Q.31+1r<I1!96j^.Y$+Si(131!96j^$+A.6+M$'„.K+H$'
9B#$+K+•1$+w$'9+1!<dA9S+A.„.B>9."$'7CP6d•'AF:6j^9+f)7rI(131!9$+A.„.
7CP6+"($6+R$++W$S
+A.„.t1$6+G$9+($+6L.W$…
Page 4
+CW$'*m
456"7,.1*,80.*%*1"*+98:.;,0,.<$)/'=$,>5
'G$+($'+CW$'Q1O+f$(1q$+CW$'h$x†iy7CP67#$+'1#
J(.899B"$'$+w$'9+CW$'+12<.Q$+$+>99B"$'+29+N$'6#6'G$+($'+CW$'Q1O+f$
9Q1129^.S^<b<#9BY$+&@$ K+H$'$'‡$'F+>$7><3($OJ•6E^6".I^$K7c91!$'f$
7!$.46910<3CW$J0$9BD9+($+'G$+($'I#$Jˆ‰7^$-$'|+12$7Q13(9N9$+>99Q1129
^.S^6".I^$K6A7CP66WdD3w$'6+Š63z1$+w$'9+($+b<L$O1Iv9$+C3v)J($+e3("d•
+"Q978$'+w<+12<6j^9>96L6#6+1$+#$+E649+rJ(b<#9BY$+F+>$7><K+H$'$'‡$'6j^9vF
9+r6#$I8Jc$+7Q"E$+G$310$9B"$'9"($+29+N$'E9B"$'7A6A+1$+#$+€$+;"$'S
+($+F+N€$+;"$'J(7f<.N1JC<9+H$'6j^K+<3•67a$'iu$'H$'[<;"$'EJ(


1=$k<)9BYdNkC9N19+1r<S

;c191Z$'[17CP69h$+9B0$6WdDdNkC9+•69!.Œ1$'()S
+ Điều kiện v đặc thù:
‰ -$'K:.D9(1K+"L$..^B9
Page 5
‰ NkC9N19+1r<9B0$9(1K+"L$1Z$'[19+^$+9"#$Ž•,%S%%%S%%%7a$'S
‰ NJf$6+<)r$3N$Ž•@%S%%%S%%%7a$'xI81dN6j^&%S%%%S%%%7a$'Sy
b. *:,.F*'HGII
+ Đặc tính:
‰ ‡%@7!$kCz1&%9s7a$'1=$F+h6+<)r$K+"L$9B"$'+29+N$'S
‰ B0$&%9s7a$'1=$F+h$8F91Z$.l99B"$'3($'"(1+29+N$'S
‰ 1=$F+h6+<)r$K+"L$9B"$'3($'"(1+29+N$'S
c. *:,.F*1"$,"1/3,
+ Đặc tính:
‰ ;"Q191Z$'[1mEA9+rd[k4$'3CP9b<#dNkC9B0$9(1K+"L$b<^912$h6+9+><6+1S
‰ +•6+12$6#6'1^"k]6+9+^$+9"#$b<^'G$+($'Iu$'6#6F+CW$'912$9+^$+9"#$
~6E)$+12.9+<E)$+12.6+1E6+<)r$91Z$E9+<+8‰6+1+8E 6+1JCW$'E9^$k1$'
"Bk„BESSS
‰ [k4$'6#6k]6+34'G$+($'712$9[x$+v$dOF+4b<^„.^1JyEE$9„B$„9
i^$K1$'E"I1J„i^$K1$'
‰ $9"($3(IL"$'"Q192S
‰ ;c1d<>9K+H$'KU+Q$k"^6".I^$K6H$'IN9B"$'9‡$'9+e1KUS
‰ +j9467W$'1L$E9+e1'1^$t[J:$+^$+6+A$'S
‰ D9(1K+"L$.89$W16A9+r'1^"k]6+$+1Z<$W1S
+ Điều kiện v đặc thù:
‰ +1!<7-$'K:•9+^)7O19+H$'91$K+#6++($'S
‰ 1>)7-$'K:.D9(1K+"L$S
‰ adW6+5$'.1$+9C6#6+F+#FJ:6j^9O6+56S

‰ ;c1d<>9CP6+CD$'Jc1d<>99+CD$'$Z<dNkC9B0$9(1K+"L$3CP9b<#dNkCb<)7]$+S
‰ +j9467W$'1L$E9+e1'1^$t[J:$+^$+6+A$'S
‰ D9(1K+"L$.89$W16A9+r'1^"k]6+$+1Z<$W1S
‰ +•6+12$6#6'1^"k]6+9+^$+9"#$b<^'G$+($'Iu$'6#6F+CW$'912$9+^$+9"#$
~6E)$+12.9+<E)$+12.6+1E6+<)r$91Z$E9+<+8‰6+1+8E 6+1JCW$'E9^$k1$'
"Bk„BESSS
‰ [k4$'6#6k]6+34'G$+($'712$9[x$+v$dOF+4b<^„.^1JyEE$9„B$„9
i^$K1$'E"I1J„i^$K1$'S
‰ 1=$F+ht#6$+v$dNkCEF+hb<L$J:9L1K+"L$
‰ $9"($3(IL".v9S
•Điều kiện v đặc thù:
‰ +1!<7-$'K:•9+^)7O19+H$'91$K+#6++($'S
‰ 1>)7-$'K:.D9(1K+"L$S
‰ adWF+#FJ:6j^m"^$+$'+12FS
45456545*:,.F*)#>O"P,
$5*:,.F*B$,Q,.L/$,",."*+& .
•Đặc tính:
‰ ;(J"Q191Z$'[16AKU+Q$S
‰ ;1$++"Q9BM93N$K+16+C^7!$+Q$9>99"#$+PF7a$'S
‰ ;"Q191Z$+<)78$'S
‰ U+Q$'[19‡%&9+#$'9BDJ0$S
‰N91Z$BM99BCz6+Q$+CD$'Jc1d<>9K+H$'KU+Q$9Q19+e171r.BM9B^9+„"9+e1'1^$'[191Z$
9+•69!S
‰N91Z$'[1k<)9BY9‡$'()'[17!$$'()7#"+Q$+CD$'Jc19+„"Jc1d<>9'+19B0$+PF7a$'S
+ Điều kiện v th tục:
‰N19CP$'K+#6++($'O6+56129^.(bao gồm c tổ chc có vốn đầu tư nước ngoi
được thnh lp tại Việt Nam)S
‰ 'G$+($'d’K:3z1+#6++($'+PF7a$'91Z$'[16AKU+Q$S
=5*:,.F*)#>?"P,,.0A5
•Đặc tính:

a. *:,. F*1"$,"1/3,5
•Tiện ích:
‰ [k4$'6#66H$'649+^$+9"#$$+Cj)$+12.6+1Ej)$+12.9+<Ed~6E
9+ˆSSS1MF9+^$+9"#$E6+<)r$91Z$$+^$+6+A$'E^$9"($E9+<v$912$S
‰ NkC9(1K+"L$6A9+rk\$'7r3^)3N$EJ(6WdD7CP6t~96>F+Q$.56
9+><6+1E7L.IL".D9+ˆ9h$k4$'+^)IL"Jc$+6+"$'Ce19+5I^3^)3N$
9Q1†iS
‰ }#6$+v$K+L$-$'9(16+h$+6+"b<:K+#6++"l69+G$$+G$71k<J]6+E+g6
9vFE/D$Cz6$'"(1S
‰ z1.Q$'JCz1B8$'K+#6++($'6A9+r'1^"k]6+9Q1I>9KU+1$+#$+$("
6j^†iS
‰ 1r.9B^9+H$'91$9(1K+"L$b<^k]6+34$'G$+($'712$9[S
•Đặc tính:
‰ N19CP$''[191Z$#$+G$$'Ce1129^.3($'Ce1$Cz6$'"(1S
‰ U+Q$'[1K+H$'KU+Q$
‰ ;"Q191Z$'[1mEmE‘•EmEmE–EiE—EmS
Page 8
‰ N91Z$'[19N19+1r<I^$7f<K+H$'b<)7]$+7N13z19(1K+"L$91Z$'[1
9+^$+9"#$m˜@%m•‘•+"l6$'"Q192K+#69CW$'7CW$'7N13z19(1
K+"L$91Z$'[19+^$+9"#$$'"Q192S
‰ ;c1d<>9'[19+„".56Jc1d<>9K+H$'KU+Q$6A+12<J•69Q19+e171r.9h$+
Jc1x9+^.K+L"I1r<Jc1d<>9+12$+($+6j^†iyS
‰ +e1'1^$6+19BLJc1$'()6<N16\$'6j^.Œ19+#$'S
‰ [k4$'9(1K+"L$N13z19(1K+"L$Iu$'$'"Q192E3126.D3(d[k4$'
F+L19<G$9+„"b<)7]$+b<L$J:$'"Q1+N16j^3(I^$+($+
9B"$'9‡$'9+e1KUS
‰ +hk]6+349+^.K+L"I1r<F+h+12$+($+6j^†iS
‰ +hK1r.7!.+<K+1b<:K+#6+BM991Z$9B"$'3q$'%*$'()J(.3126Kr
9‡$'()$8F91Z$.l93("9(1K+"L$S
•Điền kiện & thủ tục:

• +hb<L$J:9(1K+"L$S
• +h9+CW›$'$10$6+"6+<š9+„š31d^k„I19S
• +hI#"'1^"k]6+9•7H™$'3(F+ht#69+•6b<^k1™6+3<™."I1J„I^$K1$'S
• +h6+<)0š$K+"^š$9B"$'+0™9+N$'S
• +hK1r.71!.S
‰ CP6t~96>F+ˆ9h$k4$'b<N69!9h$6+>FS
‰ CP6+CD$'6+h$+d#6+k($+6+"K+#6++($'S
+ Đặc tính:
‰ N19CP$'7CP6C<7c1
• .z16+C^6A.c•6+C^6A91Z$'[19+^$+9"#$m•7c9>99"#$
91Z$'[19+^$+9"#$m9BCz6$'(),&•&*•*%&&S
• -$'Kh'A11^t3z1dNkCk<)9BY9N19+1r<&S%%%S%%%7a$'9Q1iS
‰ A1dL$F+Gš.1^tI^"'a.
• 91Z$'[19+^$+9"#$S
• +ˆ9+^$+9"#$b<N69!S
• m]6+34."I1J„I^$K1$'S
• m31$9„B$„9I^$K1$'S
•Điền kiện & thủ tục:
‰ }<>99BY$+m•S
d. *R1>*S T' W,"05
+ Tiện ích:
‰ CP69+^.'1^6#66+CW$'9BY$+91!9K12.$+(D6j^;10$.1$++PF9#6tc
9Q19R$+•9+($+6A9B1r$K+^1S
‰ (6#6912$h6+K+#69CW$'9•dL$F+V.91Z$'[19+^$+9"#$S
+ Đặc tính:
‰ N19CP$''[191Z$#$+G$$'Ce1129^.S
‰ U+Q$'[1K+H$'KU+Q$
‰ ;"Q1+Y$+91Z$'[191Z$'[19+^$+9"#$
‰ ;"Q191Z$'[1m
‰ ;c1d<>9'[19+„".56Jc1d<>9K+H$'KU+Q$6A+12<J•69Q19+e171r.9h$+

‰ N19CP$'+#6++($'6#$+G$S
‰ U+Q$'[1*?E,_9+#$'S
‰ UJc$+Jc1+($'9+#$'E+($'b<:E+($'$ S
‰ ;"Q191Z$'[1mS
‰ ;c1d<>99B0$+ˆ91!9K12.9CW$'5$'3z1Jc1d<>99Q19+e171r.'[1.
+ Điền kiện & thủ tục:
‰ m•6j^6+jS
b. *R1>*S T')#>O"$ T,, .0A5
+ Tiện ích:
‰ +#6++($'9•7Zt<>9KU+Q$'[191Z$K+H$'F+49+<863("6#6KU+Q$
^6".I^$K7]$+d•$S
‰ CP69h$+Jc19+„"dN$'()9+•69!F+#9d1$+dNkCS
‰ A  9+r  '[1  3(  BM9  3N$  9Q1  I>9  KU  •m  $("  9B0$  9"($  +2  9+N$'
^6".I^$KS
‰ }#6$+v$dNkC7r6+5$'.1$+$-$'J•69(16+h$+6#$+G$
‰ [k4$'+ˆ91!9K12.7r6f.6N3^)3N$9Q1^6".I^$KE7CP66+<)r$
b<)Z$dD+w<Ej)b<)Z$BM991Z$91!9K12.6+"$'Ce1K+#6S
+ Đặc tính:
‰ N19CP$'K+#6++($'6#$+G$S
‰ U+Q$'[19N19+1r<,%$'()3(9N17^XX$'()S
‰ +CW$'9+56Jc$+Jc16<N1KUS
Page
11
‰ ;c1d<>96-$653("I1r<Jc1d<>9+<)78$'k"^6".I^$KI^$+($+3z1
b<)  7]$+
‰U+Q$'[19‡,%$'()7!$kCz1_%$'()#Fk4$'Jc1d<>9&9+#$'S
‰U+Q$'[19‡_%$'()7!$kCz1X%$'()#Fk4$'Jc1d<>9*9+#$'S
‰ U+Q$'[19‡X%$'()7!$kCz1+"l6Iu$'XX$'()#Fk4$'Jc1d<>9S
• Điền kiện & thủ tục:
‰ }<>99BY$+m•

J•69Q19+e171r.'[1S;c1d<>97CP66N7]$+9B"$'d<N9KU+Q$'[1S
Page
12
‰ ("$'()7!$+Q$$8F91Z$+($'KU6j^;EK+#6++($'F+L1+"($9>9
9+j946$8F91Z$3("9BCz6& +.Œ1$'()J(.31269‡9+5*7!$
9+5_3(&&+,%$'()9+5 7rF+46346+"31266+<)r$91Z$9•78$'6j^+2
9+N$'S
‰ PF7a$'IL"+1r.B„3"1B9l$'6+"x$!<6Ayd’I]6+>.k59+12<J•6
9B"$'9BCe$'+PF;6j^+#6++($'K+H$'k<)9BY7CP6'AFJ10$
9469+„"7]$+KU7-$'K:S
+ Điền kiện & thủ tục:
‰ m•S
‰ 1Z$3("F+1!<7-$'K:k1™6+3<™9+„".{<S
d. *:,.F*^"_J,.5
+ Tiện ích:
‰ 1MF9Bˆ9+•6+($+I(1+g63Z:9+5691!9K12.˜K1r.d"#96+1910<˜3(I1!9
JvFK!+"Q6+9(16+h$+6#$+G$S
‰ [191Z$K+H$''1z1+Q$dNJf$9B"$'KU+Q$'[1S
‰ ;1$++"Q9$'()'[191Z$S
‰ +j78$'dN91Z$$8FS
‰ 12$JP1K+1$8F91Z$b<^$9„B$„9I^$K1$'+"l6S
‰ CP6$+v$Jc1d<>96AKU+Q$3(Jc1d<>971Z<6+R$+9-$'•'1L.$'^)K+19+]
9BCe$'9+^)7O1Jc1d<>9S
+ Đặc tính:
‰ +j9(1K+"L$6#$+G$9‡%7!$&@9<O1x75$'90$9B0$9+ˆ91!9K12.yS
‰ U+Q$'[1_9+#$'E&$ 7!$&@$ S
‰ ;c1d<>9'[19+„"IL$'Jc1d<>9B10$'#Fk4$'6+"L$F+V.1!9K12.+\
O$'9B"$'9‡$'9+e1KUS
‰ ;c1d<>97CP671Z<6+R$+$'^)K+1^6".I^$K9+^)7O1Jc1d<>99+„"9+]
9BCe$'S

‰ +j78$'J•^6+g$KU+Q$k(17r+CD$'Jc1d<>96^"E.(3{$J1$++"Q9BM9
.89F+f$3N$K+16f$S
‰ L.IL"Jc1d<>991Z$'[16AKU+Q$#Fk4$'J<H$D.566^"$+>9S
‰ +H$'6f$F+L1IL"b<L$3('1w9+ˆ91!9K12.$!<+#6++($'6+g$J"Q1
+Y$+91Z$'[16AKU+Q$6j^dL$F+V.
+ Đặc tính:
‰ ;"Q191Z$'[1mEmS
‰ ;"Q1+Y$++<)78$'1Z$'[1•91!9K12.6AKU+Q$Jc$+Jc16<N1KUJ"Q1+Y$+
Jc1$+vF3N$S
‰ U+Q$'[17^kQ$'9>96L6#6KU+Q$+<)78$'+12$6A6j^^6".I^$K9‡
&‰Ž,_9+#$'S
‰ N91Z$'[19N19+1r<@S%%%S%%%m+"l6@%%mS
‰ N91Z$BM99N19+1r<&S%%%S%%%m+"l6&%%m•Jf$BM9S
‰ ;c1d<>9+<)78$'x9+^.K+L"Jc1d<>9+<)78$'91Z$'[1•91!9K12.6AKU
+Q$y.
+ Điền kiện & thủ tục:
‰ }<>99BY$+m•
g. *R1>*+')#>O"P,1G9A:,1"D,.5
+ Tiện ích:
Page
14
‰ f.6N9+ˆ91!9K12.7r^)3N$EJ(6WdD7CP6t~96>F+Q$.569+><6+1E
7L.IL".D9+ˆ9h$k4$'+^)IL"Jc$+6+"$'Ce19+5I^3^)3N$9Q1
†iS
‰ m\$'7rt#6$+v$K+L$-$'9(16+h$+6+"b<:K+#6++"l69+G$$+G$71k<
J]6+E+g69vFE/D$Cz6$'"(1S
‰ A  9+r  BM9  3N$  9BCz6  +Q$  K+1  6f$E  Jc1  d<>9  9+„"  b<)  7]$+  6j^
†i9Q19+e171r.K+#6++($'BM93N$S
‰ +ˆ91!9K12.7CP69•78$'9#19463N$x$!<“<:K+#6+6A7-$'K:K+1'[1y
+"l69#19463N$3(Jc19+0..89KU+Q$Iu$'KU+Q$I^$7f<9B"$'9BCe$'

‰ 1=$F+h9+Ce$'$10$$ 7f<910$3('1L.@%TF+h9+Ce$'$10$9B"$'
$ 9+5*K+1d[k4$'9+ˆ$1"$^)S
‰ 1L. *%T‰*@T F+h t#69+•6 "K„$ +"l6 K+1 d[k4$'k]6+ 34
$9„B$„9I^$K1$'S
‰ (7CP6+CD$'7f)7j6#6912$h6+K+#69CW$'9•dL$F+V.91Z$'[19+^$+
9"#$9+H$'9+Ce$'S
•Đặc tính:
‰ N19CP$'.D9(1K+"L$+#6++($'6#$+G$'1^"k]6+9Q1^6".I^$K
+1$+#$+"^1293(6#6m9B•69+<866+1$+#$+S
‰ ;"Q191Z$'[1mS
‰ ;"Q1+Y$+9(1K+"L$(1K+"L$91Z$'[19+^$+9"#$K+H$'KU+Q$S
‰ ;c1d<>9'[1+„".56Jc1d<>91Z$'[1K+H$'KU+Q$6A+12<J•69Q19+e1
71r.9h$+Jc1S
‰ +e1'1^$6+19BLJc11Z$Jc17CP69h$+3(6+19BL9•78$'3("9(1K+"L$9Q1
$'()6<N16\$'.Œ19+#$'
‰ +hk]6+349+^.K+L"I1r<F+hk]6+346j^^6".I^$KS
+ Điền kiện & thủ tục:
‰ +#6++($''1^"k]6+9Q1"^1293(6#6m9B•69+<866+1$+#$+S
‰ +1!<7-$'K:k]6+34‰m•S
‰ #6'1>)9eK+#6x$!<6Ay9+„")0<6f<6j^^6".I^$KS
b. 0*>"/U,!9]5
+ Tiện ích:
‰ 1=$F+h9+Ce$'$10$$ 7f<910$K+1d[k4$'9+ˆ^6".J<dS
‰ (7CP6+CD$'7f)7j6#6912$h6+K+#69CW$'9•dL$F+V.91Z$'[19+^$+
9"#$9+H$'9+Ce$'S
+ Đặc tính:
‰ ;"Q1+Y$+91Z$'[11Z$'[19+^$+9"#$+"l61!9K12.K+H$'KU+Q$S
‰ ;"Q191Z$'[1mS
‰ z1.56dNkC91Z$'[1IY$+b<G$9B"$'9+#$'9‡&%9B12<7a$'9BDJ0$E6+j
9(1K+"L$d’+CD$'9+0.Jc1d<>99+CD$'k"^6".I^$Kb<)7]$+S

• Œ1$'()9l$'XXSXXX7a$'6+"X7f<910$9B<)6vF1$9„B$„9I^$K1$'9+^$+9"#$3(
9+•6+12$&'1^"k]6+9(16+h$+S
• Œ1$'()9l$'XXXSXXX7a$'6+"6A'1^"k]6+9+5*%&,b<^$9„B$„9i^$K1$'S
m ¡†i;‘iS
• 1=$F+h,9+#$'7f<910$K+17-$'Kh'1^"k]6+9•78$'S
• 1=$F+h9>96Lk]6+34b<^.J<dS
d. Chương trình quà tặng tri ân cho khách hàng là Doanh nghiệp
( g6hg6h4g6iei6hg6h4g6ij5
z1+($'9B F+f$b<(9l$'+>Fk{$6A9O$'9B]'1#J0$7!$?E@9s7O$'k($+6+"
k"^$+$'+12F9+•^71Z<K12$6j^6+CW$'9BY$+S
2.2.3. 9ABC,.8D,k9$&"31"0,".*lA1-)#.*35
1N$'$+C6#6k"^$+$'+12FK+#6$'G$+($'6‹$'+<)78$'3N$Iu$'6#6+F+#9+($+
6#6'1>)9e6A'1#x+^)6q$'g1J(6#668$'64$Wy$+CKUF+1!<E9B#1F+1!<E9h$F+1!<$'G$
+($'/7r+<)78$'3N$9B0$9+]9BCe$'3N$
#66H$'64$P6j^$'G$+($'J(6#6'1>)$+v$$P.($'G$+($'I#"6+"6H$'6+M$'S
G)J(6#6+9+563^)3N$6j^EID13Y$+w$'$'Ce1dD+w<6#66H$'64$()7CP6+"($
9BL3N$3("9+e1'1^$7#"+Q$68$'9+0.K+"L$'91Z$Jc1$+>97]$+S+w$'6H$'64$P6j^$'G$
+($'J(
‰ h$+F+1!<$'G$+($'7G)J(6H$'64$P$'G$+($'k\$'7r+^)b<)7H$'$+w$'
K+"L$'3N$6j^$'G$+($'
Page
17
‰UF+1!<E9B#1F+1!<$'G$+($'J($+w$'6H$'64$P7r$'G$+($'+<)78$'$+w$'
K+"L$3N$9B<$'‰k(1+Q$'S!<7N13z16#69(1K+"L$91Z$'[1F+49+<86$+1Z<3("dD9+h6+6j^
K+#6++($'9+Y3126d[k4$'6#66H$'64$PJ(.89+Y$+9+56+<)78$'3N$.^$'9h$+6+j78$'
6j^$'G$+($'S<)$+C$'3126K+#6++($'6A6+>F$+v$.<^6#66H$'64$P7A+^)K+H$'
.z1J(d[k4$'6+"$+w$'K+"L$9h$k4$'9B"$'K!+"Q6+6j^$'G$+($'Sz1Jc1d<>99h$k4$'
9B"$'KUK!+"Q6+E$'G$+($'t#67]$+.56Jc1d<>9$+>97]$+6+"6#66H$'64$PE+^)7C^3("
9+e1+Q$6#6K+"L$9h$k4$'9B"$'K!+"Q6+.($'G$+($'t#67]$+d[k4$'J"Q16H$'64$'G$
+($'+^)9B<$'|k(1+Q$

•Nhược điểm+L1+"($9BL6+"$'Ce1.<^9B#1F+1!<K+17!$+Q$EJc19BL6+"9B#1F+1!<J(
'#$+$l$'6+"$'G$+($'3Z9(16+h$+S
¥'G$+($'6q$6A9+r9+•6+12$6#6I12$F+#F9-$'3N$9‡$'<a$I0$$'"(1K+#6$+C
I#$9(1dL$3(9+<0JQ1E6+<)r$7O16+5$'K+"#$$P9+($+6OF+1!<SSS
45i54545.9n,=S,1G/,.
+j)!<k"9-$'JP1$+<v$'1wJQ1SG)J(JP1$+<v$$'G$+($'7Q97CP69B"$'$ E
$+C$'K+H$'6+1^6+"6#66O7H$'.('1wJQ17r9-$'3N$S
•Ưu điểm+H$'9N$K~.6+1F+hEK+H$'J(.J"c$'b<)Z$K1r.d"#9$'G$+($'3(
K+H$'F+L1+"($9BLS+CW$'F+#F$()'1MF$'G$+($'K+H$'F+49+<863("9+]9BCe$'3N$$0$
9B#$+7CP66+1F+h+<)78$'3N$S
•Hạn chế+R#Fk4$'3z16#6$'G$+($'Jz$EJ(.-$6AJc1J10$9463(7Z<7l$SY$+
9+56$()K+H$'9+r#Fk4$'9+Ce$'t<)0$3Y$AJ(.L$++CD$'7!$b<)Z$JP16j^6O7H$'S
'"(1B^r'1w6+G$K+#6+3(9+<+M99+0.JCP$'91Z$'[1.z19B"$'9+e171r.+12$
$^)E$+1Z<$'G$+($'7<^$+^<9<$'B^6#66+CW$'9BY$+BM99+ b<^)9+CD$'3z1'1#9B]J0$
7!$+($'9s7a$'S
45i5i5*+,&"3&1"9"m18D,>"3)""0,.
2.3.3.1 5*+,&"3&>*,"1R
‰;(I12$F+#Fk•^3(")!<9N.^$'9h$+3v96+>9.($'G$+($'9+H$'b<^$A9#678$'7!$
$+<6f<3(9G.J:6j^K+#6++($''[191Z$3("$'G$+($'.Y$+S
‰i12$F+#FK1$+9!.($'G$+($'6A9+r#Fk4$'7N13z1K+#6++($'J(6+h$+d#6+Jc1
d<>9+<)78$'+>Fk{$E9O6+56K+<)!$.c19l$'b<(6+"K+#6++($''[1Jz$E'[1$+1Z<EK+#6+
+($'9B<)Z$9+N$'9+H$'b<^6W6+!+<)78$'S
45i5i545*+,&"3&>t1"9u1
‰i12$F+#FKŸ9+<v9J($+w$'I12$F+#F.^$'9h$+KŸ9+<v99B"$'$'+12F34+<)78$'3N$
$+u.9Q"6+"6H$'9#6+<)78$'6‹$'$+C+"($9BL91Z$'[1E9+^$+9"#$'1^"k]6+6+"K+#6+
+($'.896#6+$+^$+6+A$'9+<v$JP13(6+h$+t#6Si12$F+#FKŸ9+<v99B"$'.DB8$'+<)78$'
3N$6j^$'G$+($'d’I^"'a.$+w$''1L1F+#F.^$'9h$+6+>96H$'$'+2E9-$'912$h6+F+46
34K+#6++($'3($+w$''1L1F+#F$G$'6^"9BY$+78$'+12F346j^$+G$310$E9B•691!F+^)
'1#$91!F9+^.'1^3("6H$'9#6+<)78$'3N$S
45i5i5i5*+,&"3&1;'[v5

7!$$+^<E$!<9+1!<.899B"$'6#6ICz671k\B>9$+•9B"$'b<#9BY$+9+•6+12$6j$'6A9+rJ(.
L$++CD$'Jz$7!$b<#9BY$++"Q978$'K1$+k"^$+S
126+"Q978$'K1$+k"^$+9B"$'.H19BCe$'6Q$+9B^$+6^"E6#6$'+12F349‡$+v$K:
'[19(1dL$6+"K+#6++($'K:'[13($'IQ6E6+5$'K+"#$'E6#6'1>)9e6A'1^˜6+"7!$6#6
F+CW$'9+56+<)78$'3N$3^)3^)6j^k"^$+$'+12FE6#$+G$E$'G$+($'$+($Cz6E6#6$'G$
Page
20
+($'K+#6˜$'<a$3N$9•9Q"F+#9+($+6OF+1!<9+Ce$'EF+#9+($+6OF+1!<C<7c13€$+31=$E
F+#9+($+6#6'1>)$P9+56>F/7Z<6f$F+L17CP6$'+10$65<3(F+#99B1r$6+"+PFJ:E9B#$+
$+w$'d^1dA9K+H$'7#$'6AtL)B^9B"$'b<#9BY$+9+•6+12$S+•6+12$9+($+6H$'6#6.46
910<3(F+CW$'#$7c7CP6$0<B^D9B0$J(6+Y^K+A^7c.IL"6+"d•9+($+6H$'9Bg$3¦$9B"$'
+"Q978$'K1$+k"^$+9(16+h$+E91Z$926+"6#6$'G$+($'9+CW$'.Q19B"$''1^17"Q$F+#99B1r$
+12$$^)S
‡K+19+($+JvF6+"9z1$^)E†(1q$+CW$'h$7cK+H$'$'‡$'$OJ•6
3CW$J0$9BD9+($+.89$'G$+($'6A3N$71Z<J2Jz$$+>99B"$'+29+N$'129^.S
r7Q9$+w$'9+($+9•<$+C$'()+H.$^)J($+ed•6N'Š$'F+>$7><6j^9vF9+r6#$I8$+G$
310$9"($+29+N$'9B"$'7A6A+1$+#$+€$+;"$'Sz1F+CW$'6+G.+($+78$'‚I1!$6W
+819+($+JP19+!EI1!$6Q$+9B^$+9+($+78$'J•6ƒE‚9+($+6H$'6j^K+#6++($'J(9+($+6H$'
6j^6+h$+$'G$+($'ƒE9>96LF+>$7><kQ9.46910<6+<$'J(tG)k•$'^6".I^$K9+($+.89
$'G$+($'I#$Jˆ‰7^$-$'‰+12$7Q1|F+#99B1r$S
f)f)
0*[*+91"$'>"U/
1. 'G$+($'^6".I^$KE9+#$',$ *%&,E
+99F••§§§Sd^6".I^$KS6".S3$•^'„d•^‰$+^$S^dFtE
+99F••§§§Sd^6".I^$KS6".S3$•^'„d•m"^$+‰$'+1„FS^dFtS
Page
21
2. S'<)=$1$+1Z<E9+#$',$ *%&,STín dụng ngân hng,}i;^"8$'}c
81E *%&&S
3. '+12F34+<)78$'3N$6j^$'G$+($'9+CW$'.Q1E9+#$',$ *%&,E


Nhờ tải bản gốc

Tài liệu, ebook tham khảo khác

Music ♫

Copyright: Tài liệu đại học © DMCA.com Protection Status