BQ GIAO Dl)C VA DAO T~O
,...,
,
TRUONG D~I HOC KINH TE TP HO CHI MINH
'

~

NGUYEN THl THIEN HUONG

A

K

~

,

NHANDANGCACYEUTO
.
.
AND Hu'dNG BEN RUI RO TiN DVNG TRONG
BOAT
. BONG
. NGAN HANG TRUONG MAl
.
TINH BA RfA-VUNG TAU
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BQ GIAO Dl!C \1\ f :._\)go
TRllC1NG f.iH K!NH ·~ ,: TP.HCM

THU VI:¢N

(


Ml)CLl)C
Trang

DANH MVC CAC TU VIET TAT
DANH MVC CAC BANG
DANHMVCDOTHJ
DANH MVC

so DO

CHUONG I: GIOI THI:tu

1

1.1

Ly do nghien cd'u................................................................................................................................................

1

1.2


m~i

2.2

Cac lo~i riii ro trong ho~t d()ng NHTM .......................................................................................................................... 10

................................................................................................................. 9

2.2.1

Rui ro thanh khoan ............................................................................................................................................................................ 12

2.2.2

Rui ro Hi i sua't ............................................................................................................................................................................................. 13

2.2.3

Rui ro ty gia ................................................................................................................................................................................................... 13

2.2.4

Rui ro khac ........................................................................................................................................................................................................ 13


2.3

Rui ro tin dl}ng .................................................................................................................................................................................................................. 14 ·
2. 3.1

3.1.1

B~c di~m kinh te'- xa h()i Tinh Ba ria-Viing tau ............................................................26

3.1.2

B~c di~m kinh te', xa h()i cua dia ban tac d()ng toi ho~t d()ng tin dl;lng

ngan hang thttong m~i tren dia ban ..................................................................................................................................................... 28
3.2B~c di~m ho~t d()ng cac Ngan hang tren dia ban Tinh Ba ria - Viing tau giai
do~n

3.3

1999-2004 ....................................................................................................................................................................................................................... 29

3.2.1

Cac san ph~m. dich Vl}, quy mo ho~t d()ng ..................................................................................... 29

3.2.2

Phan chia thi phffn giua cac NHTM ............................................................................................................. 32

3.2.3

Kha nang sinh loi, hi~u qua quan ly ............................................................................................................ 34

Ho~t


Nq qua

h~n phan

theo ng[mh, th[mh ph~n kinh te' .....................................41

3.3.5

Trich l~p va su dt;mg dlf phong rui ro tin d1;1ng ...........................................................................42

3.3.6

Cac khoan mvc ngoai bang tdng ke't tai san ...............................................................................44

Nhung tlnh huo'ng diin hlnh ctia rui ro tin dvng trong ho~t d