THAI NGUYEN UNIVERSITY
UNIVERSITY OF ECONOMICS AND BUSINESS ADMINISTRATION
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TRAN LO GIANG
CAPITAL MOBILIZATION MANAGEMENT
AT NORTHERN BRANCHES OF VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK
MASTER'S THESIS WITH APPLICATION ORIENTATION
Major: Economic Management
THAI NGUYEN - 2017
THAI NGUYEN UNIVERSITY
UNIVERSITY OF ECONOMICS AND BUSINESS ADMINISTRATION
TRAN LO GIANG
CAPITAL MOBILIZATION MANAGEMENT
AT NORTHERN BRANCHES OF VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK
Major: Economic Management Code: 60.34.04.10
MASTER'S THESIS WITH APPLICATION ORIENTATION
Scientific supervisor: Associate Professor, Dr. Bui Huy Nhuong
THAI NGUYEN - 2017
COMMITMENT
I hereby declare that my thesis is based on my own understanding, research, efforts and implementation process with the guidance of Associate Professor, Dr. Bui Huy Nhuong . My research work is not copied from any individual or organization. The data used in the thesis is provided by Vietnam Prosperity Joint Stock Commercial Bank - Northern Branches and is investigated and summarized by myself, not published in any document. The analysis as well as assessment of the current situation and proposed solutions are all based on the reality at Vietnam Prosperity Joint Stock Commercial Bank - Northern Branches./.
Vinh Phuc, December 2017
Author Tran Lo Giang
ACKNOWLEDGEMENTS
To complete this thesis, in addition to my own efforts, I always receive enthusiastic help from many individuals and groups.
I would like to express my gratitude to Associate Professor, Dr. Bui Huy Nhuong , who has wholeheartedly instructed and guided me to carry out and complete this topic.
I would like to sincerely thank the Board of Directors, the Department of Postgraduate Training Management as well as the specialized faculties and departments of the University of Economics and Business Administration for creating favorable conditions for me during my study and research at the school.
I would like to sincerely thank the enthusiastic help of the professional departments of VPBank Vinh Phuc Branch where I am working, which have created all conditions to help me throughout the process of studying and completing this graduation thesis.
I would like to thank the encouragement and help of friends, colleagues and family who shared the difficulties and encouraged me to complete this thesis.
I would like to express my deep gratitude for all that valuable help.
Vinh Phuc, December 2017
Author Tran Lo Giang
INDEX
COMMITMENT i
ACKNOWLEDGEMENTS ii
TABLE OF CONTENTS iii
LIST OF ABBREVIATIONS vii
LIST OF TABLES viii
LIST OF FIGURES ix
INTRODUCTION 1
1. Urgency of the topic 1
2. Research objective 2
3. Research object and scope 3
4. Scientific and practical significance of topic 3
5. Structure of the thesis 4
Chapter 1: THEORETICAL AND PRACTICAL BASIS OF CAPITAL MOBILIZATION MANAGEMENT AT VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK 5
1.1. Theoretical basis of capital mobilization management at Joint Stock Commercial Bank 5
1.1.1. Some basic concepts 5
1.1.2. The role of capital mobilization management at Joint Stock Commercial Bank 7
1.1.3. Types of capital of commercial banks 9
1.1.4. Contents of capital mobilization management at Joint Stock Commercial Bank 14
1.1.5. Factors affecting capital mobilization management at Joint Stock Commercial Bank 19
1.2. Practical basis of capital mobilization management at Joint Stock Commercial Bank 22
1.2.1. AGRIBANK's experience in capital mobilization management 22
1.2.2. Capital mobilization management experience of Saigon Commercial Joint Stock Bank
- Hanoi 23
1.2.3. Lessons learned for Vietnam Prosperity Joint Stock Commercial Bank 23
Chapter 2: RESEARCH METHODS 24
2.1. Research question 24
2.2. Research methods 25
2.2.1. Information collection method 25
2.2.2. Methods of information synthesis and processing 27
2.2.3. Information analysis method 27
2.3. Research indicator system 31
2.3.1. Quantitative indicators 31
2.3.2. Qualitative indicator groups 33
Chapter 3: CURRENT STATUS OF CAPITAL MOBILIZATION MANAGEMENT AT NORTHERN BRANCHES OF VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK 35
3.1. Overview of Vietnam Prosperity Joint Stock Commercial Bank Northern branches 35
3.1.1. Introduction to the Northern branches of Vietnam Prosperity Joint Stock Commercial Bank 35
3.1.2. Business performance of Northern branches of Vietnam Prosperity Joint Stock Commercial Bank 37
3.1.3. Other activities 39
3.2. Current status of capital mobilization management at Northern branches of Vietnam Prosperity Joint Stock Commercial Bank 40
3.2.1. Capital mobilization planning 40
3.2.2. Implementation organization 42
3.2.3. Inspection and control work 56
3.2.4. Customer evaluation results on capital mobilization management at VPBank Northern branches 57
3.3. Factors affecting capital mobilization management at VPBank Northern branches 61
3.3.1. Internal factors of the bank 61
3.3.2. Factors outside the bank 64
3.4. General assessment of capital mobilization management at VPBank Northern branches 68
3.4.1. Results achieved 68
3.4.2. Limitations 69
3.4.3. Cause 70
Chapter 4: SOLUTIONS TO STRENGTHEN CAPITAL MOBILIZATION MANAGEMENT AT NORTHERN BRANCHES OF VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK 73
4.1. Viewpoints and orientations on capital mobilization management at VPBank Northern branches 73
4.1.1. Viewpoints on strengthening capital mobilization management at VPBank Northern branches 73
4.1.2. Orientation to strengthen management of capital mobilization activities at VPBank Northern branches 73
4.2. Some solutions to strengthen the management of capital mobilization activities at VPBank Northern branches 75
4.2.1. Diversifying capital mobilization channels 75
4.2.2. Increasing competitiveness 76
4.2.3. Strengthening the analysis of capital scale and structure... 79 4.2.4. Enhancing the Bank's reputation 80
4.2.5. Applying flexible interest rate regime 80
4.2.6. Perfecting the facilities to serve depositors 81
4.3. Recommendation 83
4.3.1. Recommendations for the State Bank 83
4.3.2. Recommendations for Northern branches of Vietnam Prosperity Joint Stock Commercial Bank 84
CONCLUSION 85
REFERENCES 87
APPENDIX 89