Chương II:  !
: KHẢO SÁT THỰC TẾ HOẠT ĐỘNG CHO VAY TẠI VIETINBANK_CN3
TP.HCM
2.1 GIỚI THIỆU SƠ LƯỢC VỀ VIETINBANK
Tên tiếng Anh: "#$!  %&"  '&  &!!#("$)  $  *&(
"+,'(-$+($+#
Tên viết tắt:"#"$
Trụ sở chính đặt tại:./0123456 3728 9:2 9
Website:http://www.vietinbank.vn
Điện thoại :1;<=;>?;@/00
Fax: 1;<=;>?;@/0@
2.1.1 LỊCH SỬ HÌNH THÀNH
A. LỊCH SỬ HÌNH THÀNH NGÂN HÀNG TMCP CÔNG THƯƠNG VIỆT
NAM (NHTMCPCTVN)
A93B:CD6E3BF:=G>2H
AI9A9E3BF:23J9IKDL3MNOA9
PNLE3BF:QQ.RS7< 79@T
0U:/?11V W53XHCYG: BG
3J9@ZD9[Y3JCN9“Ngân hàng Công thương
Việt Nam” \PQ.;0@SVVQ W53X9/;
//U:/??0

9@]0U:/??2.. ^_8PQ.T]S87<
 RHF9IKD P 9@/0?U:/??T2
3JV\PHVV3M[V2.. ^_8PQ.
@1RS87< RHF9IKDI :E`CE93M
3J\PQ8PQ.?0S87<90]0U:/??;VV
3M[V
9@R/@U:@0012A9E3BCYGZPC
D65Ea9E9FPbC9LFDCD6
90S0]S@00?2A993M_\PQ./;Sc< 9IKD9

KY3J6:\P5OVED5b:I3M5
LA925qU:\P2<^El
:X5:I3Mlrfm/X2^m
N:]c+qQG95Ob:VD ![
90SRS@00?2.L3PW.Pc+V5N@Rs
Wg  P  D[  LQ  k    G`  \PA  /0  5FP  WSSc+
5kXt.;TPo7`bP28gM:I3MLQ
W:mu5kXuPo7`bPgc+.8Pvgc+34
P.gc+)NU'igc+ 953gc+egc+7U)3Pg
c+!1
2.1.2 NHIỆM VỤ CỦA VIETINBANK_CN3
)9 !93M2LU2F6VFD
kVA9\PQ2FDkFmu
• 7w:EP.2KHxF:Ev2mv
2HxVCY2AP:O9D69
3M9g9YfHx25DP2vDP
• 7w:\PF.y:Pa.Ps6P3l 2
CY\P.2\P.9Ay:DYP6PD
5bVH<U<d^a5O6P33MPbLQB
ZP
• FGDw:[Lk9LQkA9bPZD
HP.3J9y:As5OPKDlLQk
• KD5PZI3J[Lk2m[[JDy:Ut
5V5[Lk
• U34UI9[2DLkI^PZP.9I
[FPP6PVQ534
BAN LÃNH ĐẠO(Giám đốc và các Phó giám đốc)đốcggiám Phòng Kiểm Tra –Kiểm soát nội bộđốcggiám
PhòngQuản Lý TínDụngPhòngTTKhoQuỹPhòngTổ Chức Hành ChínhPhòng Khách Hàng Doanh NghiệpPhòng Kế ToánPhòng KháchHàng NhânPhòng Tổng Hợp Phòng Tổ Điện Toán
Huy Động VốnCấp TínDụng
PGD Văn Sỹ PGDCao ThắngPGDCách Mạng T8PGDHai BàTrưngPGDCống QuỳnhPGDVườn Chuối PGDPhan Đăng Lưu

<AEEGF2DhLQ2E, L{
\PI_9.Q2EkI
<L{9:E5`dAL2xq:Pe:'72)7
Phòng Kho Quỹ
<P2H79Fs.V \PQ
<8PI_Zfmu|2.DP2}
<PW2CHIj2H52HEVNPPw2PHB
Phòng Quản Lý Rủi Ro
QP5F:H\PI_2dxI_JdZP2J^dxI_5V52J3J[Vdx
I_)96P:.9dxI_9G:H\PQV9
3My:PWJdZP
Phòng Khách Hàng Cá Nhân
<e25P<L99A22NPL~2
LPO2:PdEE
< P.lA9LFDV 
Phòng Khách Hàng Doanh Nghiệp
<ZD[Lke25P•L9LFD2EIM
<!P2GF
<FLQkPbH2PbH
Phòng Kế Toán
V
Phòng Tổng Hợp
<)9:xIN bI9:BXV
<CJD.IFP2PVbGc:
7.V !
Phòng Kiểm Tra Kiểm Soát Nội Bộ
< IKDM2G5Dh3J3XI3B\P
QV E
<b:5[Lk2mPAV\PQ2\PV
 !E

 Tài trợ thương mại
• 93[LkKDwPgEG2dK2
3[LkKDwP
• 4PdPZKDwP=II>24P.DP5=+S>94
PZDK.DP=+S$>
• 2GNI[
 Dịch vụ thanh toán
• PbH53M9\P.=I(:>
• PsF:2PsF:P2
• 5I3BLFD\P92\P$!
• 8PI_.KD5P
• PbH‚5,
• +QkHP.
 Dịch vụ thẻ và ngân hàng điện tử
•   9  9      j  [  Lk    Q2  j  [  Lk  \P.  
="'$2!$'#($(+}>
• +Qkj$!2jJ
• +Q  k  "5  2  ID  2  !GI  2  '!'
}
III. Dịch vụ khác
• Gb:AO2DAO
• 3Z6P39[
• NP|e2xq92
• ,s2KPs2I_
• PN9[E\PEPN9[
• !EM2I3P_23Z2I_2D9}YE
\PE Y
Chương II:  !
• DK2\PI_99dJE\PEJ9
9

PKDU:@001CQ9U53XMU:@00]74b:
/S/@S@001GEG.PKDUR?…29IJPKU121…
MU:@00]2PN2LqGHI^PZ2L5qGeGP9\P
Chỉ Tiêu Năm 2009 Năm 2008 Năm 2007
So Sánh
2009/2008
So Sánh
2008/2007
Số Tiền % Số Tiền %
Thu Nhập /02R// @]2;] /]/2R/ ]201 /R /0@2/@@ R?
Chi Phí @@02R// @0R2;] /@@2]] /R201 ]2 120?T T1
Lợi Nhuận ?02000 T12000 ;12?]; /@2000 @2 /?20@T 121
Chương II:  !
Q}I9:.UD[=T1…>B.UPKD=R?…>5
:@001
``V9[9PMDk|L9
U:@00?2H3M†DkQPdZPlGN92
@00?I9U:DkmmHPmU.MVLFDm
P9A9m5N2:E534LH:w5V5q[
HI^PZ5U:@001^|U:@00?DGp5:EI3J.IM
b5HxD6P54b:I^PZU25m
I^PZP9IaGZ4^:5XI:.G6P
5NBX\P3J5U:@0012A 9^D.q9\P
m^CI5ZHPb3J\PmU2W4mqG3M
Dm5U:@00?I9PKD9IJPK€LP5`U53XCQ
MU:@001g9U:@00?9.UD[=]…>^:ZDM.
UPKD=/R…>
2.1.6 ĐỊNH HƯỚNG PHÁT TRIỂN VIETINBANK_CN3
TP.HCM TRONG THỜI GIAN TỚI
U:@00123JV3M[DVtyU:

• NPL~mG:Gy.L392CjF:
• Y53MHGY
• dPZLbur5J.I3P
• FD3BdPZLDkk4.
/ Cho vay du học
F[V3B5`
• )^PZ.JDI_25g
• VkB2PKFg:YIN]0…CD[
• 3BYIg
• 7DYQD4P6P9[:k[LPOg
• PbH53M953M9m2[d
• 4u.Gy4O0U:
7HPF.
• AmVUIDDIPK9UI9LAg
• m\PFAAGW:uG.j2:ˆj2G.PE2:ˆPE2J2
W2j2PE22Q:5PM34LPO3M9
• mwP345at5NQG9f29D.B
m5kXg
• m.m:.bPGy0…D[LPOg
• mPWP9D3B<5J:GU5J.2
I^2D[54:g
• m9G:H
WB.
• cZ  H  Q    .  N:  D3B    5  J  =  :€P  V
>g
• !+SPh4FPI2 wPtV34
=>g
• cZEGKDO2EGOD[9D[V
534=.>g
• cZ4Y:U9[2PKD5J=.>g

• cZYKGb:VdEE
3. Cho vay mua nhà dự án
F[V3B5`
• !YIN]0…5QU9g
• 4INM@0U:g
• !YI^PZJDI_252CD~JDMQ534g
• 3BY5JI2PWPKDg
• ZDGy[U9:P
7HPF.
• AmVUIDDIPK9UI9LAg
• 'xLk.b:P9PEQ:M2LEQ:Mg
• mwP345at5NQG9f29D.B
m5kXg
• mPWPKDCQ:GU5J6V2ag
• m9G:H
WB.
• cZHQ.N:D3B5J=:€PV>g
!+SPh4FPI2 wPtV34=G>g
• JDW:PGYN9g
• cZ4mIN\P=P3JNP6P>
4. Cho vay đối với người lao động Việt Nam đi làm ở nước ngoài
F[V3B5`
• !YIN]0…CD[g
• 4mbL92~P94FPIVJD
WI9:F3M9^3J_g
• !YI^PZJDI_252CD~JDMQ534g
7HPF.
• A2LF`mVUIDDIPK9UI9
LAg
• mwP345at5NQG9f29D.B

5kXg
• mPWPKDCQ:GU5J6V2ag
• mD3BLJ2FP\P9D~JDM\PQV
DDIPKg
• )9345D_JDWmD.S:PSPNb:LJMB
Q\PI_Jg
• !PGb:9I9.3J.tb:LJ=~l
534JDkb>
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34=G>g
• cZYKU_L=GmY>g
• JDWmD.Y53Mb6P3dALJg JDW:PSPN5H
:I64xLkVJG`34t:M
9939xLkgcZ4DHmD.2DH:PSPN=534
JDmG:Gy\PHmD.S:PSPN7+g
• JD  W  G  b: 9  SZ  Y K  G b:    3M L€  V

• cZ4mIN\P=P3JNP6P>
6. Cho vay tiêu dùng đối với cán bộ công nhân viên
Chương II:  !
F[V3B5`
• E69G:tGI^VLFDg
• caD9\PmP6PNPL~ZDGg
• '.HIN005FPWg
• 4.I9Tg
• )^PZ.JDI_25
7HPF.
• AmVUIDDIPK9UI9LAg
• mwP345at5NQG9f29D.B

7HPF.
• AmVUIDDIPK9UI9LAg
• !k[.JDDDg
• '7PXqPJDDDV9.tVGNYG
G:9.g
• 7WHV'7I9+2,'+2#,(g
• 534JD'7LCY\PI_SD9`CY\P
I_SD9DPL:k3JZDPKg'73J
Chương II:  !
CY\PI_SD9d9Dp5P.4G:
 =.Mc2CSj2ccL>td=.M
ccEL>g
• 4E3J\P4hIV'7
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34
=G>g
• 'CSj2ccg
• cZHQd2DpN:Ps\PH5aH=CSj2cc
L>9StZHQd2Dhp=ccEL>g
• cZ4mIN\P=P3JNP6P>
8. Cho vay ứng trước tiền bán chứng khoán
F[VDw:
• )^PZ.JDI_25g
• '.HX:Y.2~P9.HGY^3JMD
IFGP5lI^9D[IN\P=Pm>
• VkB2KH59I9:Fg
• 3BYKH25JIg
WB.
• cZHQY53MHGY=:€PV>g

• mL2D3B6P32dPZL2LQk
2mFP\PmL6P3gD3BDkk4.‹:D3B
5J
• mwP345at35a34dPN~QG9
m m5kX
• FGFDDG:H\PQV
 =5l534JDEm9G:.Ml
HI3B9PKD>
• 9G:mbI9u
o cZ4m2m[=5DP2v
DP2CF:}>
o 7Z299Xum5Q2Z4xLk9X
qP6V\PQVDDIPKg
o 3BFK3uEE2d:29P
PH=mU_2Gb:>
o :I\P_2\P_g
 Thời hạn vay vốn
 99PK4UY9P_dPZ<
LD~JDUV9g4PW.VD3B
SL6P32U5JV99PW.V 
• euI9m4/@
• 5PuI9m4l/@T0
• L9uI9m4l5NT05XIN
 Lãi suất cho vay
I^PZVGEG.5l4v
 Hồ sơ vay vốn
mP6P.29x E29IFPIN
\P6PAu
<cZHQ.=:€P>
<9IFPHUIDDIPK2UI9LA25F:LAV