ĐẠI HỌC HUẾ
TRƯỜNG ĐẠI HỌC KINH TẾ
KHOA KẾ TỐN TÀI CHÍNH
CHUN ĐỀ TỐT NGHIỆP ĐẠI HỌC
Đề tài:
PHÂN TÍCH HIỆU QUẢ SỬ DỤNG VỐN CHO VAY TẠI
NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN XUẤT NHẬP KHẨU
VIỆT NAM CHI NHÁNH HUẾ
VÕ VĂN PHÚC
KHĨA HỌC: 2010 - 2014
ĐẠI HỌC HUẾ
TRƯỜNG ĐẠI HỌC KINH TẾ
KHOA KẾ TỐN TÀI CHÍNH
CHUN ĐỀ TỐT NGHIỆP ĐẠI HỌC
Đề tài:
PHÂN TÍCH HIỆU QUẢ SỬ DỤNG VỐN CHO VAY TẠI
NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN XUẤT NHẬP KHẨU
VIỆT NAM CHI NHÁNH HUẾ
 
 !"# $"%&'&(
")*(+,-,+,-

Lời Cảm Ơn
Lời Cảm Ơn


 !"#$" %&'
 !"#$" %&'
($)*'"+, *'"/
($)*'"+, *'"/
(0*'12+/+345+6#/1778

 )4
5?'#AX?1
5?'#AX?1
V  <#1Y+0 6: 
V  <#1Y+0 6: 
 Z+AL1":W+6
 Z+AL1":W+6
9"AA[<# !A
9"AA[<# !A
?J+/#"[,<#1;F0F
?J+/#"[,<#1;F0F
2 6+#4
2 6+#4
%/12\
%/12\
) ]^1_`ab
) ]^1_`ab
c0
c0
5d5^D=
5d5^D=
MỤC LỤC
PH*N I: ĐẶT VẤN ĐỀ 1
1. Lý do nghiên cứu 1
2. Mục tiêu nghiên cứu 2
3. Đối tượng và phạm vi nghiên cứu 2
4. Phương pháp nghiên cứu 2
5. Kết cấu đề tài 4
PH*N II: NỘI DUNG VÀ KẾT QUẢ NGHIÊN CỨU 5
CHƯƠNG 1: CƠ SỞ LÝ LUẬN VỀ HIỆU QUẢ SỬ DỤNG VỐN CỦA NGÂN

+$+$=$$/0GGI4&L$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$+O
2.2.4. Phân tích hiêu quả sử dụng vốn của ngân hàng 30
+$+$$-$/0&4&5678&129(/:;4&(
.&:0$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=,
+$+$$-$-$ PIF&12&HQR$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=,
+$+$$-$+$ PIFP:65$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=-
+$+$$-$=$SITUF&V:WLFPI$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=-
+$+$$-$$S(62&IFI>G4&/$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=-
+$+$$+$/0&4&567829(/:>?@/
0ABC$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=+
+$+$$=$!/25X&4&56782$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=
+$+$$=$-$"/2>:$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=
+$+$$=$+$"/2>F$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=M
+$+$$$/062(::65:4&5DEF9F$$$$$$$$$$$$$$$$$$$$$$$$$$$$=M
+$+$$$-$#62F9F2$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=M
+$+$$$+$A9F08$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=O
2.3. Đánh giá hiệu quả sử dụng vốn tại Ngân hàng 38
2.3.1. Những kết quả đạt được 38
2.3.2. Hạn chế và nguyên nhân 38
CHƯƠNG 3: GIẢI PHÁP NÂNG CAO HIỆU QUẢ SỬ DỤNG VỐN CHO VAY
TẠI EXIMBANK CHI NHÁNH HUẾ 41
3.1. Định hướng hoạt động tín dụng 41
3.2. Giải pháp nâng cao hiệu quả sử dụng vốn của Ngân hàng 42
3.2.1. Nâng cao chất lượng hoạt động kinh doanh tín dụng 42
3.2.2. Đa dạng hóa các hình thức tín dụng 43
3.2.2.1. Đa dạng hóa về loại tiền cho vay và ngành nghề cho vay 44
3.2.3. Nâng cao trình độ tín dụng 45
3.2.4. Về công tác nguồn vốn 46
3.2.5. Về công tác thu nợ 48
3.3. Một số kiến nghị 48

AA  :65F9F
S""'S  S(:'&2(

 !"#$%
PH*N I: ĐẶT VẤN ĐỀ
1. Lý do nghiên cứu
#(HVa)c"(ZQ(*d>&H]>cZLZf:
QLQId:;`Qg&HFGQI2QRF])cVP
Qg)chZ;V)aZcDLZXZb`$
#i(g:6FX9(a)cQ`V2"/:
"(ZQ(c:;&RQPZVQL*(F4&5DE:LQR
8?Z^bQD: F&/Z9(2a4&2($F]
9(a)cQij5*6Q[&F`DkR>Ra)c:>:$
0DlHkR>Ra)c*Eh(F`4&(F%VQ*D:aQaD:Qa&)Q]
*]cm:678&12>:QL&4&5Q1KZ
0QRDm99(a)c$
e]Z82Fa)cVF&((VQ1
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Qa&64&(F%$
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Q4&FGcDI)(V^Qg&H/5X

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− 2D&R>ReIrmmK^&H62D&k>
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− @PI"d62D&&mQIk4&FGQa&F(F`
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9(:>RP]$
− @/04&(4&FG/062D&Qa&F(:P
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QR)cF]$e1K0LQRQ*DL4&HcQg61L:
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1.1.2. Các loại nguồn vốn của ngân hàng
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:UJ4&Qg9(/:F&@$2:HQILF(F4&FG
)(anPQ;Q**U/:P[W(H/
6`U/:4&2(W$2Qa&DD:Qa&)D0@>5:Q1K
D:Hc&2:04&(F%`FQ5Z>5Q2)5I)
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ZLQ]LQR$"/:@ZL>?a&Gb*]&HQRka
:Fp?ZF/:(>(1Z
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:FpQI5*F()j4&FGD&/&H]2(*&[&67
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DLa7:)5*)wL::)5);*)wL$
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]^JZ^r)cLZXFR:FXV^JZ^r)57:a
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1.2. Hiệu quả sử dụng vốn của ngân hàng thương mại
1.2.1. Khái niệm về hiệu quả sử dụng vốn
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&mFiUF0iP`W$GmHVvD9(DI&mFi:25
&`VF`&4&567829(/:@ZL$
*ZDL#&4&567829(/:@ZLQI54&(

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0-A:<"=4ABC8
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1.2.2.2. Chỉ tiêu phân tích hiệu quả sử dụng vốn của ngân hàng thông qua các chỉ
số tài chính
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:*.62:H`l*h(D:`DI089(/::H($

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FQ*
D:&c6&`&c&m/:$
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QDK`DI808*FZRFr$!.&:H:
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CHƯƠNG 2: PHÂN TÍCH HIỆU QUẢ SỬ DỤNG VỐN CHO VAY
TẠI EXIMBANK CHI NHÁNH HUẾ
2.1. Khái quát về Eximbank - Chi nhánh Huế
2.1.1. Lịch sử hình thành và phát triển
"/: Y!^&`m)o&"(Zq!#&cUC^Z>()#&cW
D:ZR9("/: Y!^&`m)o&"(ZQI:Dm:
:H-=„,„+,-,L+,M F[#eLVK#i(V :2#&c$eb
Q[&D:ZQ2"&H• g G$
C^Z>()#&cJ9H4&Ha9( PZQ2C^Z>()QI
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2.1.2. Chức năng và nhiệm vụ
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Z89(i>(
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− ZQ2QL/9(C^Z>()#&cVg&FZa)c4&5
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9("(ZC^Z>()$
− *ZQ2
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/F"/:*]]&QI;:(Fi9(ki>($
2.1.3. Cơ cấu tổ chức của Ngân hàng
Sơ đồ 1: Mô hình tổ chức của Eximbank chi nhánh Huế
Pb:)]ZF(;L:cQR>
&'(")*+,-  -N
ZQ2
*ZQ2
ig8
):
i)
:/
i):
(
i"/4&s
#:0

Trích đoạn Phân tích tình hình thu nợ của ngân hàng Phân tích tình hình dư nợ của ngân hàng Phân tích tình hình nợ quá hạn Tổng dư nợ trên nguồn vốn huy động Phân tích hiệu quả sử dụng vốn của ngân hàng bằng phương pháp phân

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