KHÓA LUẬN TỐT NGHIỆP 1 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
LỜI MỞ ĐẦU
I. Tính cấp thiết của đề tài.
H th   t Nam t i mng
  n mnh m.      
         
   ph         
              
37 NHTM C ph            
Qu                
cho vay, nhn, gi h  c kinh
doanh    doanh nghip li tp trung vi m      
       i m   i t    
bit, mt th m c bit ni tri v sn phm dch v 
  vic  ng ho rn phm dch v ca
   n t n hin nay.
           n quan trng 

          N      
i, ci ti

                
        ng k hoch nh
   
Theo mt s  u g   gi   Vi
   t trong nhng khon mc mang li nhiu li nhun nht cho
    ch v          
 t trong nhng dch v u ri ro nhi
v   ti

cuc s u c
Sau mt thi gian thc t    c hi t    
    nhn th          t
ti       
mang li l        y, vic tip t
 n ngh, gi  n nghip v  
    c ti i vi s  dng c
             u qu ho   
    i C ph  u ca
i cnh kinh t hin nay.
II. Mục tiêu nghiên cứu.
 u thc tr        
(SeABank) nhm hi m mm yu v ho
t  ra nhng gin ngh hu hi u qu hong cho
  ng trong ting nim tin c
sn phm dch v ca .

KHÓA LUẬN TỐT NGHIỆP 3 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
III. Đối tƣợng và phạm vi nghiên cứu của đề tài.
u: V u qu ho
      i  hong cho
   a       t  -2013 trong bi
cnh hi nhp kinh t quc t, cnh tranh gay gt gi
.
Ph  u v mu qu hong cho vay
           xu   , kin ngh
nh  u qu ho      ca   ng nhu
c           . Th   u

v           c gc ci mt thi
 s dch
v c khi h     , t u kin cho h  ng mc sng

    t sn phm  ng rt cn thit trong cuc s 
       s d c khi h  chi tr 
t dng gia   
tr.
V th       ng Vi      t
ti  i nhu c         . Kinh t th
ng   n, thu nhp c
               
  i k hi nhp kinh t quc t      
 y nhu cu mua sm c y
        i v       
nhp    nh. M             
  i, sa ch, mua s trong

1.2. Đặc điểm về cho vay tiêu dùng
   n vay nh  n vay rt ln: Do m
           u c
  i vi
 ln.
 Ngun tr n   n thu nhp t   p t hot
ng kinh doanh c      kt qu s dng nhng khon
 
 M   m phc v nhu c        
 phi xu mkinh doanh. Nhu c xu
vi   a ch  ng, mua s    
u du lch, hc gi

1.3. Vai trò của cho vay tiêu dùng
 Đối với Ngân hàng Thương mại :
  cuc c     phn th ng c  
  tr  c li     phi cnh tranh vi  
   thng   i cnh tranh v   ch    
    n th ph  t s th ng c     thu
hp, trong khi th li  
   ng m           
dn tr  t lo h sn phm ph bi    t loi sn
phm mang li thu nh i cao trong tng doanh thu c
M      i
KHÓA LUẬN TỐT NGHIỆP 6 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
s i rt lhu cm
tt c    t t lnh
t c i cho
 t t sut li nhui ln trong tng li nhun c
 Đối với người tiêu dùng :
      c bit vi nh   p th
    p v  s ch v,
ti  kh  t yu
  ng h
cu v y t.
   ng bt c mu mong muc tho ng
nhu cu c    u t nht yu rn nh
xa x    c t   i tr l kh  cho
nhng nhu cu c    cn th    ti   
  i hp gia tho   hin ti vi kh    hin t
       ng trc tiu nht

gian ng  i ro s th 

1.4.2. Căn cứ vào phương thức hoàn trả
    n
(gm s tin c gu ln theo nhng k hn nhnh trong
thi h  cho vic mua sm
t dt tin, mt s  c v sinh hot
tin, trang trn nu  kh a
     chi tr khon vay mt ln duy nh   
vi nh k tr n     n k     gp
nhiu thun l

           ti  
       mt ln duy nh  n h ng
   c cn vay
 nh  i h 

  
   dng th       u chi
d           i hn c 
dc tha thu vc
tng k    c hin vi n
tng k mt hn mi tr mi k
 d :
          c u ch  
        cua mi k
   
   u ch
     n mi k c khi khon n c


doanh nghi  thc hin vi 

1.5. Quy trình cho vay
  c hin mt kho        
nhng kho     a N g     
n mt kh ng   (KH) ln, m   ng nh l 
 ph         i vi t  
c:
 Th tc xin vay
   t cho vay
  
a. Th tc xin vay:
i v   i thc hin nhi
          ng nhng th tc c th 
KHÓA LUẬN TỐT NGHIỆP 9 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
i vi t  c vay. Do v        i th 
   u ca N     n
 n nh  tc vay gm :
 Nh     n b        
khu, quc ti lit s 
nghip, thu nh  hc v
 Nh  u thuyt minh kho   c vn t   u chi

 H  m bo khon vay: u v n th chp, vt cm c, b
 
 Gi  ngh vay vn: KH s  c vay tii
y  m i hn vay, thi h g


   y, N  ng t ch   i vi nhng
      n n 
 i thu nhp.
      n,       trung thc c 
         ng hoc ch   ng
th    u ph   ng ra b   vi  
khon vay, n       n n ng
ra bu N xem vic
m bo bng bi th t bm v 
mt ngum bo tht s i
vi kho  i b 
c.  :
Vi mang li cho N  cn thit nhm x
p thi vi tng xy ra.
 n hn, N  ti    c g   N   
   n   gia hn cho KH mt khon thi gian
nh        a thun. N    a di
   tr n  
n h               m bo,
phong tn tin g
1.6. Các nhân tố ảnh hƣởng đến hoạt động cho vay tiêu dùng
1.6.1. Nhân tố khách quan
 ng rt mnh m ti vin hong cho
vay    kic.
1.6.1.1. ng kinh t
Bao gm: T  ng kinh t, m nh ca s n kinh
t, thu nh      u t   n kh   p,
 cu v vn,nh ng rt ln ho
 a NHTM. Khi nn kinh t        c sng ca
   k vn thu nh

1.6.1.4. c
ng ln ho
       ra nhim v ca t  i k 
m     n kinh t n mt n vng, nu
thc hi  i sng c           
          n
hiu qu.
1.6.1.5. i th cnh tranh c 
Do c    c CVTD c      c
  t l   i gian g  i vic ni l 
d u ti rngu qu hot
ng CVTD. Vic m r    u tt y
d  n ph    c nhu c     s   t
ng trong my bii th
c c kinh doanh h
KHÓA LUẬN TỐT NGHIỆP 12 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
  ng v n.
1.6.2. Nhân tố chủ quan.
 ng n vin ho
b   kic.
1.6.2.1.    
  a m       quan trng quy nh c 
danh mc cho vay cc bin t n t u hin ca
m  n v   nh mc cho vay t
Vn t      u kin ho
ho           n
nh     i ch ng, dch v, nhng ti     
   i.

  m b           u th
tc phc t i vay mt nhiu th s
thy n     h s dng dch v l  t th hn ch 
vic thnh phi d t khoa hc h
 c thc hin ph     u t quynh cht
ng thng khong.
1.6.2.5. Ch ng
Ch     t yu t    ng trong ho  
 c th hin :
 nghip v  c ngh nghip, kh p, nh
nm b Ch 
c  c, mi thc hin tt vic thnh, gim thic ri ro cho 
 ng phc ngh nghip tt ns 
li nhng tn h      i  i m c  ng s
               tr 
t c 
1.6.2.6.  vt cht k thut
Tin ra ht sc mnh m c
trang b     , thit b hi p vi nhu ci, phc
v kp thi nhu cu c   u t      
kh nh tri thit b hii, hong
c           m bt din bin th
ng s  n, hi
c nhng chi     p vi nhu cu c
  
1.6.2.7. Kh 
u khc tr n 
            c biu
thit yi nh s
 c ri v m    n l       nh

 ng vn trong 1 thi k nh nh. H s i cho
N.
1.7.4. Dư nợ cho vay tiêu dùng
  ti 
l   i mt th m nh        
ti c.

T  CVTD  nh theo c :

KHÓA LUẬN TỐT NGHIỆP 15 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672

Dƣ nợ cho vay tiêu dùng kỳ này
Tốc độ tăng dƣ nợ cho vay = ( - 1) x 100
Dƣ nợ cho vay tiêu dùng kỳ trƣớc Tốc độ tăng trƣởng tuyệt đối = Tổng dƣ nợ tín dụng năm này - Tổng dƣ nợ
tín dụng năm trƣớc

     y m  hiu qu ca ho   
         c t      
          i T   cho vay ca c
i mt thm nhnh.
1.7.5. Nợ quá hạn cho vay tiêu dùng
N n n n th c
vc.
N x       u ht tt c n nay
r               nh c

d    ng vn ca N     n  c
t hiu qu cao.
Doanh số thu nợ
Vòng quay vốn tín dụng (lần) =
Dƣ nợ cho vay bình quân
1.7.8. Lợi nhuận
   i hay s tic t ng
cho vay.
Lợi nhuận từ cho vay
Hiệu quả cho vay =
Tổng dƣ nợ

KHÓA LUẬN TỐT NGHIỆP 17 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
TÓM TẮT CHƢƠNG 1
Tm li, chng mt ca chuy tt nghip  gii thiu tng quan v hot
ng cho vay tiu dng ca cc Ngn hng TMCP ti Vit Nam. Ni dung chng
gip ta hiu r hn v khi ni c im cho vay tiu dng; vai tr ca cho vay
tiu d i vi kinh t, x hi n chung cng nh i vi Ngn hng v kh
hng n ring. Chng mt cn n v cc hnh thc cho vay tiu dng, gip ta
nhn bit v cc hnh th lin h vi bn thn nhm tm ra phng thc
cho vay no ph hp vi mnh. Bn cnh , qua phn gii thiu tng quan ny, ta
c th hiu bit thm v quy trnh cho vay tiu dng chung ti cc Ngn hng

 ng Vi  i C Ph
 ng Anh: Southeast Asia Commercial Joint Stock Bank
 t tt: SeABank
 Hi S: 25 Tri
 Website: www.seabank.com.vn
 Logo  Ting Vi t:       s i 25 Tr
      c bi 
Ng TMCP ln nht Vit Nam v quy u l, mi hong,
m nhn bi  t ng nh.
 p t   i qua ch  
i vu l 5.466 t ng, tt gn 100
   t m i ho  p 3 mic vi 154 chi
 m giao dch.
Bng ni lc ci s hc c
         nh v th bng nh
thc chu quTTNu ti
KHÓA LUẬN TỐT NGHIỆP 19 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
    a SeABank t 
kinh nghic v m u
ca SeABank bng nhi      c v quy chun sn phm,
ch ng dch v    ng cp quc t    p
mng ln nht Ving


SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
            
            

            
   
             
     
2.1.2. Những thành tựu nổi bật của NHTMCP Đông Nam Á
      
 
 
     ce Review (GBAF)    
    
  
              
   
               
   
             

  
      

             
2013  
 
           
      


             c
qun tr   c hin chi c, k ho   m bo s 
trin hiu qu ra .
T i ch 
ho        i Tng G     Tng
    c kh  c T      
B   p v.
2.1.3.2.  b ng c 
KHÓA LUẬN TỐT NGHIỆP 22 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
Sơ đồ 2.1. Sơ đồ bộ máy hoạt động của NHTMCP Đông Nam Á

(Nguồn Phòng Hành chính nhân sự NHTMCP Đông Nam Á)
2.1.3.3. Ch ng c phn
a- ch:
 Ki   t nhng khon vay trong ph  c y quyn
theo quy ch cho vay c SeABank.
 King t, giao dp th, kim
tra king, s tit kim trng ti N 
 Cp nht bi  t, tham gia qu       
 
 Tham gia vic khi kin v        
  i.
KHÓA LUẬN TỐT NGHIỆP 23 GVHD: ThS. Diệp Thị Phƣơng Thảo


 Ki   n tin gi, lng thu gi n
hi 
 Chn lc ti n
 nh.
 Thc hi   :
+ Hng t  
+  n thu chi cu 
 Thc hi :
KHÓA LUẬN TỐT NGHIỆP 24 GVHD: ThS. Diệp Thị Phƣơng Thảo

SVTH: Đoàn Thị Thanh Thảo MSSV: 1054010672
+ L  nh ca N.
+  n, gii quyt thiu ni ca KH trong phm vi thm quyn cho

+        qu     n phn hi
c c thc hin.
 Thc hi  p v     theo s b  a
ng/P  n thit.
 Thc hi          nh ca
  u c  

  ch:
 Thc hi 
 Kim tra s liu k ng h
 p v k    i ch.
 K , c  t  d ca NH.
 Thc hip v an.

 :
          ng dn thc hin

  
 Thc hin t
t  n thoi, email.
 Thc hip thu.
 Thc hi          u ca
Tng/P 

   tr kinh doanh:
 H tr nh
d   th          n
ho ng sn xut kinh doanh c    
    
       c hin vi    
m bo, lm bo.
 H tr c son thn mc,
h   ng, h ng cm c, th chp, h ng b 
b     ba v      ng cho
  
 H tr      c chuyn giao h  a
      i hp v    
trong vic thc hi        
nh ca SeAB       
     c   nh k phi hp vi ch 
      c hi    tr n
gc, n    i vi N .

  :
 Tip nhn, kim tra, thm quyt h
  ng c   m bp
vnh ca SeAB  t hi