The localities with large tomato growing areas in the Spring-Summer crop are Bac Ninh (140 ha), Hung Yen (80 ha), Hai Duong (120 ha), Hai Phong (125 ha), Hanoi (90 ha), Vinh Phuc (85 ha) ..., which are localities with the advantage of supplying fresh fruit products to the city market at high prices (Statistics in the provinces in 2010 and 2011). People who grow tomatoes in this season are also highly skilled in intensive farming and willing to invest heavily in production.
Table 3.1: Planting season and tomato variety structure in the Red River Delta region in the period 2008-2012
Season
Seasonal plant | Type and characteristics Similarities | Classic image | Local has large area | |
Summer-Fall Crop | 15/7-10/8 | Semi-limited, high temperature resistant, easy to set fruit, resistant to TYLCV, wilt tree | Mongan , HT160, HT42, HT25, Savior (from 2010) | Hai Duong, Hung Yen, Hai Phong, Nam Dinh, Bac Ninh |
Fall Winter Crop | 20/8-20/9 | |||
Early winter crop | 9/21-9/30 | Limited, semi-limited, unlimited, easy to bear fruit, easy to care for | BM199, VL2000, Gandeva, VL3500, HT160, HT42 | Hanoi, Hung Yen, Nam Dinh, Vinh Phuc |
Winter main | 5/10-22/10 | |||
Early Spring Crop | 15/1-20/2 | Semi-permanent, heat-resistant, resistant to mildew, yellow leaf curl | Grandeva, DV2962, Savior (since 2010) | Bac Ninh, Hung Yen, Hai Duong, Hai Phong, Ha Internal |
Spring Summer Crop | 1/3-15/3 | |||
Summer Crop | 3/25-4/5 |
Maybe you are interested!
-
Research on determining varieties and some technical measures to increase productivity and economic efficiency in tomato production in the Red River Delta - 1 -
Solutions for tourism development in Tien Lang - 10
zt2i3t4l5ee
zt2a3gstourism, tourism development
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- District People's Committees and authorities of communes with tourist attractions should support, promote, and provide necessary information to people, helping them improve their knowledge about tourism. Raise tourism awareness for local people.
*
* *
Due to limited knowledge and research time, the thesis inevitably has shortcomings. Therefore, I look forward to receiving guidance from teachers, experts as well as your comments to make the thesis more complete.
Chapter III Conclusion
Through the issues presented in Chapter II, we can come to some conclusions:
Based on the strengths of available tourism resources, the types of tourism in Tien Lang that need to be promoted in the coming time are sightseeing and resort tourism, discovery tourism, weekend tourism. To improve the quality and diversify tourism products, Tien Lang district needs to combine with local cultural tourism resources, at the same time combine with surrounding areas, build rich tourism products. The strengths of Tien Lang tourism are eco-tourism and cultural tourism, so developing Tien Lang tourism must always go hand in hand with restoring and preserving types of cultural tourism resources. Some necessary measures to support and improve the efficiency of exploiting tourism resources in Tien Lang are: strengthening the construction of technical facilities and labor force serving tourism, actively promoting and advertising tourism, and expanding forms of capital mobilization for tourism development.
CONCLUDE
I Conclusion
1. Based on the results achieved within the framework of the thesis's needs, some basic conclusions can be drawn as follows:
Tien Lang is a locality with great potential for tourism development. The relatively abundant cultural tourism resources and ecological tourism resources have great appeal to tourists. Based on this potential, Tien Lang can build a unique tourism industry that is competitive enough with other localities within Hai Phong city and neighboring areas.
In recent years, the exploitation of the advantages of resources to develop tourism and build tourist routes in Tien Lang has not been commensurate with the available potential. In terms of quantity, many resource objects have not been brought into the purpose of tourism development. In terms of time, the regular service time has not been extended to attract more visitors. Infrastructure and technical facilities are still weak. The labor force is still thin and weak in terms of expertise. Tourism programs and routes have not been organized properly, the exploitation content is still monotonous, so it has not attracted many visitors. Although resources have not been mobilized much for tourism development, they are facing the risk of destruction and degradation.
2. Based on the results of investigation, analysis, synthesis, evaluation and selective absorption of research results of related topics, the thesis has proposed a number of necessary solutions to improve the efficiency of exploiting tourism resources in Tien Lang such as: promoting the restoration and conservation of tourism resources, focusing on investment and key exploitation of ecotourism resources, strengthening the construction of infrastructure and tourism workforce. Expanding forms of capital mobilization. In addition, the thesis has built a number of tourist routes of Hai Phong in which Tien Lang tourism resources play an important role.
Exploiting Tien Lang tourism resources for tourism development is currently facing many difficulties. The above measures, if applied synchronously, will likely bring new prospects for the local tourism industry, contributing to making Tien Lang tourism an important economic sector in the district's economic structure.
REFERENCES
1. Nhuan Ha, Trinh Minh Hien, Tran Phuong, Hai Phong - Historical and cultural relics, Hai Phong Publishing House, 1993
2. Hai Phong City History Council, Hai Phong Gazetteer, Hai Phong Publishing House, 1990.
3. Hai Phong City History Council, History of Tien Lang District Party Committee, Hai Phong Publishing House, 1990.
4. Hai Phong City History Council, University of Social Sciences and Humanities, VNU, Hai Phong Place Names Encyclopedia, Hai Phong Publishing House. 2001.
5. Law on Cultural Heritage and documents guiding its implementation, National Political Publishing House, Hanoi, 2003.
6. Tran Duc Thanh, Lecture on Tourism Geography, Faculty of Tourism, University of Social Sciences and Humanities, VNU, 2006
7. Hai Phong Center for Social Sciences and Humanities, Some typical cultural heritages of Hai Phong, Hai Phong Publishing House, 2001
8. Nguyen Ngoc Thao (editor-in-chief, Tourism Geography, Hai Phong Publishing House, two volumes (2001-2002)
9. Nguyen Minh Tue and group of authors, Hai Phong Tourism Geography, Ho Chi Minh City Publishing House, 1997.
10. Nguyen Thanh Son, Hai Phong Tourism Territory Organization, Associate Doctoral Thesis in Geological Geography, Hanoi, 1996.
11. Decision No. 2033/QD – UB on detailed planning of Tien Lang town, Hai Phong city until 2020.
12. Department of Culture, Information, Hai Phong Museum, Hai Phong relics
- National ranked scenic spot, Hai Phong Publishing House, 2005. 13. Tien Lang District People's Committee, Economic Development Planning -
Culture - Society of Tien Lang district to 2010.
14.Website www.HaiPhong.gov.vn
APPENDIX 1
List of national ranked monuments
STT
Name of the monument
Number, year of decisiondetermine
Location
1
Gam Temple
938 VH/QĐ04/08/1992
Cam Khe Village- Toan Thang commune
2
Doc Hau Temple
9381 VH/QĐ04/08/1992
Doc Hau Village –Toan Thang commune
3
Cuu Doi Communal House
3207 VH/QĐDecember 30, 1991
Zone II of townTien Lang
4
Ha Dai Temple
938 VH/QĐ04/08/1992
Ha Dai Village –Tien Thanh commune
APPENDIX II
STT
Name of the monument
Number, year of decision
Location
1
Phu Ke Pagoda Temple
178/QD-UBJanuary 28, 2005
Zone 1 - townTien Lang
2
Trung Lang Temple
178/QD-UBJanuary 28, 2005
Zone 4 – townTien Lang
3
Bao Khanh Pagoda
1900/QD-UBAugust 24, 2006
Nam Tu Village -Kien Thiet commune
4
Bach Da Pagoda
1792/QD-UB11/11/2002
Hung Thang Commune
5
Ngoc Dong Temple
177/QD-UBNovember 27, 2005
Tien Thanh Commune
6
Tomb of Minister TSNhu Van Lan
2848/QD-UBSeptember 19, 2003
Nam Tu Village -Kien Thiet commune
7
Canh Son Stone Temple
2160/QD-UBSeptember 19, 2003
Van Doi Commune –Doan Lap
8
Meiji Temple
2259/QD-UBSeptember 19, 2002
Toan Thang Commune
9
Tien Doi Noi Temple
477/QD-UBSeptember 19, 2005
Doan Lap Commune
10
Tu Doi Temple
177/QD-UBJanuary 28, 2005
Doan Lap Commune
11
Duyen Lao Temple
177/QD-UBJanuary 28, 2005
Tien Minh Commune
12
Dinh Xuan Uc Pagoda
177/QD-UBJanuary 28, 2005
Bac Hung Commune
13
Chu Khe Pagoda
177/QD-UBJanuary 28, 2005
Hung Thang Commune
14
Dong Dinh
2848/QD-UBNovember 21, 2002
Vinh Quang Commune
15
President's Memorial HouseTon Duc Thang
177/QD-UBJanuary 28, 2005
NT Quy Cao
Ha Dai Temple
Ben Vua Temple
Tien Lang hot spring
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Principles for Perfecting the FDI Economic Efficiency Indicator System in Vietnam -
Solutions to improve the efficiency of investment activities to increase the growth of Vietnam Social Security Fund in the coming time - 10

Evaluation of the distribution of tomato varieties according to soil type in localities in the Red River Delta, the results are recorded in Table 3.2.
The data in Table 3.2 shows that the Red River Delta is very diverse in terms of tomato growing terrain. Among the tomato growing area, highland soil accounts for 40% with planting seasons from early, main to late. Growing tomatoes on this soil can extend the harvest time by using semi-limited varieties such as Savior, Grandeva, VL3500... as well as having good fertilization techniques to extend the harvest time thanks to shoot regeneration. Next is the two-rice crop land with the highest proportion (55%), which is mainly grown in the winter crop after harvesting the summer rice.
Thu. Varieties grown on this type of land mainly have a shorter growing period and are harvested in concentrated areas, such as BM199, DV178, Perfect 89 and Savior. A small part of the riverside alluvial land area (5%) in Vinh Phuc, Hanoi... is used to grow early-season tomatoes. These areas often choose short-term varieties that can withstand high temperatures and harvest in concentrated areas to avoid storms. After harvesting, they will switch to growing other leafy vegetables. Varieties selected for this type of land include VL2004, VL2000, Perfect 89...
Table 3.2. Distribution of tomato varieties according to soil type in the Red River Delta
Proportion | Land | ||||
Type soil | area product | Seasonal | Type alike | Typical breed | method acreage |
(%) | big | ||||
High land | 40 | Summer Crop | Sell property | Savior, Mongan, | Bac Ninh, |
Autumn, Season | Limited, Unlimited | HT160, | Vinh Phuc, | ||
Autumn Winter, | Grandeva, | Hanoi, | |||
Spring crop | VL3500, TM11 | Hai Phong, | |||
Summer | Nam Dinh | ||||
Two-crop land | 55 | Fall | Limited, | Grandeva, | Sea |
paddy | Winter | Sell property | BM199, DV178 | Duong, Ha | |
limit | Domestic, South | ||||
Definition | |||||
Alluvial land | 5 | Summer-Fall Crop | Limited, limited sale | VL2004,VL2000, Perfect89 | Vinh Phuc, Hanoi |
3.1.3. Changes in tomato varieties over time
In order to understand the fluctuations of tomato varieties in the Red River Delta as well as the acceptance of new varieties by the people, we investigated the fluctuations in the quantity and types of varieties over time in some localities such as Hung Yen, Hanoi, Hai Phong through gardeners, seed dealers and tomato growers. The investigation was conducted by asking questions about people's experiences with tomato varieties grown over different time periods. The results are recorded in Table 3.3 and Appendix 2.2.
The data in Table 3.3 and Appendix 2.2 show that in the period 2000-2005, there were many new varieties in production from imported sources and varieties created from domestic research results. Among them, the varieties belonging to the finite group dominated with 15 varieties. The varieties belonging to the finite group have the characteristics of early ripening, late ripening, and
Medium and suitable for winter crop. In the period of 2006-2008, there was a clear change in the structure of varieties, varieties with poor fruit quality were eliminated by production, replaced by high-yielding hybrid varieties with higher productivity, quality and resistance to pests and diseases. The group of varieties with semi-finite growth form gradually dominated with 15 varieties. The varieties of finite and indefinite types decreased significantly, the typical indefinite type is small-fruited tomato varieties (cherry tomatoes), fluctuating from 5-7 varieties.
Table 3.3. Variation in the number of varieties in the Red River Delta over time periods
Time period
Breed group
2000-2005 | 2006-2008 | 2009-2011 | |
Finite group | 15 | 7 | 3 |
Limited Sale Group | 11 | 15 | 19 |
Infinite group | 6 | 5 | 5 |
Total | 32 | 27 | 27 |
From 2009 to now, the variety set in production has been significantly selected, high-yielding F1 hybrid varieties with high yield, good fruit quality such as hard fruit, beautiful red ripening, especially varieties with heat resistance, the ability to grow off-season... are dominant. In production, there are only a few varieties with limited growth form in some extensive growing areas, with little care such as BM199, DV178... some unlimited varieties are put into production in some special areas.
3.1.4. Development of tomato pests in the period 2009-2011
Research on the composition of pests, diseases and the development trends of some major dangerous diseases on tomato plants has been carried out to advise people on choosing suitable varieties for each season. Determining the level of damage by group discussion and ranking (Ranking Matrix) on a scale of 1 - 9 (1 - mild damage, 9 - severe damage). The results of the assessment of the composition of pests and diseases are shown in Table 3.4 and Table 3.5, allowing for the following comments:
There are 16 types of pests that damage tomato plants in different seasons and their occurrence is not the same. Leaf miners and whiteflies are the two pests that most strongly affect tomato yield. Leaf miners appear in all seasons of the year and cause great damage. If not removed promptly, they will damage the leaves and create optimal conditions for fungal diseases to develop, affecting yield. Whiteflies are vectors of the virus that causes tomato yellow leaf curl disease, which is one of the
Pests that damage productivity, in severe cases can lead to crop failure. Whiteflies are also difficult to control, so the impact on productivity is quite high (score 9).
Table 3.4. Pest composition and damage level to tomato production in the Red River Delta
TT
Pest Type | Level of harm | TT | Pest Type | Level of harm | |
1 | Leaf miner (Lyriomyza sp) | 9 | 8 | Ladybug (Duodecastigma) | 3 |
2 | Green fruit borer (Helicopter wing Hubner ) | 3 | 9 | Thrips (Thrip palmi) | 7 |
3 | Smooth armyworm ( Spodoptera exigua Hubner) | 3 | 11 | Green leafhopper (Amrasca devastans Distant ) | 3 |
3 | Cutworm (Agrotis sp.) | 3 | 12 | Aphis gosypii Glovers ) | 5 |
4 | Whitefly ( Bemisia tabaci) | 9 | 13 | Red spider (Tetranychus sp) | 5 |
5 | Leaf-eating inchworm (Anomis flava, Chrysodeixis eriosoma) | 5 | 14 | White spider (Polyphagotarsonemus latus) | 5 |
6 | Stink bugs (Hemiptera) | 3 | 15 | Cantharis vesicatoria Geof ) | 3 |
7 | Grasshopper (Oxya chinensis) Thunberg Oxya velox Fabr ) | 3 | 16 | Flea beetle (Phyllotetra striatum) | 5 |
8 | Grasshopper (Oxya chinensis) Thunberg ) | 3 |
Evaluation of diseases and their severity on tomato plants (Table 3.5) shows that there are many types of diseases that damage tomato plants and the severity of the diseases is significantly higher than that of pests. Of these, three types of diseases, yellow leaf curl, late blight and bacterial wilt, have the highest severity (score 9) and have a clear impact on tomato yield. In fact, the level of investment in pesticides to prevent diseases is much higher than that to prevent pests.
Table 3.5. Disease components and damage levels to tomato production in the Red River Delta
TT
Type of disease | Level of damage harm | TT | Type of disease | Level of damage harm | |
1 | Root rot ( many types of fungi ) | 7 | 8 | Yellow leaf curl (Virus) | 9 |
2 | Late blight (Phytopthora) infectious) | 9 | 9 | Bacterial Wilt (Ralstonia solanacearum) | 9 |
3 | Gray mold (Botrytis cinerea, Full moon | 7 | 11 | Fruit tip rot (deficiency) Calcium) | 5 |
4 | Brown spots (Cercospora personata, Stemphylium solani ) | 7 | 12 | Nematodes (Meloidogyne ssp) | 5 |
5 | Black spot | 7 | 13 | Physiology of yellow tips | 5 |
6 | Alternaria solani ) | 7 | 14 | Fulvia fulva | 5 |
7 | Wilted white mold (Sclerotinia sp.) | 7 | 15 | Powdery mildew (Leveillula) taurica) | 3 |
8 | Yellow wither (Fusarium oxysporum) | 5 | 16 | Mosaic (TMV, CMV) | 5 |
3.1.5. Tomato production efficiency at research sites in the Red River Delta through different seasons
At the research sites, tomato plants have a much higher economic value than other crops such as rice, corn, etc., with a net profit ranging from 35.4 million VND (Winter crop in Hoai Duc) to 92.7 million VND/ha (Summer-Autumn crop in Tien Lang). In the investment cost category, a large part of the cost is calculated for labor. Thus, if the labor cost is included by the people themselves, the profit value from tomato plants is quite high.
In the production seasons, Summer-Autumn tomatoes bring the highest profit because at this time tomatoes are often more expensive. Winter tomatoes are easy to grow due to favorable conditions, often giving high yields, less pest and disease pressure... however, the selling price in this tomato season is often low, some years the price is very low at only 500 VND/kg, so the profit is often much lower than that of off-season tomatoes. In the Spring-Summer season, tomatoes are subject to higher disease pressure because the weather in the early stages of the season is very harsh, high humidity, low temperature are optimal conditions for fungi to develop, so production costs such as pesticides are often higher, more care is needed.
-78-
Table 3.6. Tomato production efficiency in different seasons
at 03 locations: Hoai Duc - Hanoi, Yen My - Hung Yen and Tien Lang - Hai Phong (calculated on 1 hectare)
TT
Category | Hoai Duc – Hanoi (1000 VND/ha) | Yen My - Hung Yen (1000 VND/ha) | Tien Lang – Hai Phong (1000 VND/ha) | |||||||
Summer Fall | Winter | Spring Summer | Summer Fall | Winter | Spring Summer | Summer Fall | Winter | Spring Summer | ||
I | Expense | 162851 | 140827 | 168014 | 154056 | 135370 | 156796 | 142447 | 129359 | 146401 |
1 | Seedling | 4850.3 | 4155 | 4157.2 | 4850 | 3878 | 4157 | 5706 | 4155 | 4677 |
2 | Labor | 105121.5 | 95675.8 | 109692 | 95565 | 91327 | 99720 | 95565 | 86978 | 99720 |
3 | Plant protection drugs | 14265.5 | 10249 | 17451 | 15512 | 9695 | 16205 | 15512 | 10249 | 16343 |
4 | Fertilizer, lime | 30054.5 | 22437 | 28919 | 29570 | 22160 | 28919 | 17105 | 19667 | 17867 |
5 | Materials for scaffolding | 8559.3 | 8310 | 7795 | 8559 | 8310 | 7795 | 8559 | 8310 | 7794 |
II | Productivity (kg) | 35456 | 50359 | 43628 | 41965 | 54015 | 41965 | 43550 | 52076 | 39610 |
III | Total revenue | 233584 | 176255 | 218138 | 226614 | 172848 | 201434 | 235140 | 166643 | 198055 |
IV | Profit | 70733 | 35428 | 50124 | 72558 | 37478 | 44638 | 92693 | 37284 | 51654 |
Average data for 2 years 2010-2011
3.1.6. Seed supply system, harvesting methods and tomato consumption model in the Red River Delta.
Seed supply is one of the important steps, the focal point of transferring scientific advances in seeds. Research on the tomato seed supply system in some localities in the Red River Delta obtained the results in Table 3.8.
The results in Table 3.7 show that most people buy seedlings from reputable nurseries for planting, the rate fluctuates from 70.0 - 78.5% of interviewed households, they trust the honesty of the gardeners and the gardeners are also the ones who transfer techniques as well as information about the best varieties to the people. Gardeners often buy seeds directly from the production company or seed agents in the area.
Table 3.7. Tomato seed supply system in the Red River Delta
Type of seed supply
Rate (%) | |||
Hanoi | Hung Yen | Hai Phong | |
Buy seeds from the producer | 4.5 | 5.2 | 3.5 |
Buy seeds from a dealer | 10.6 | 22.3 | 17.2 |
Buy seeds at the market | 6.4 | 2.5 | 2.5 |
Buy seedlings from nurseries | 78.5 | 70.0 | 76.8 |
Self-breeding | 0.0 | 0.0 | 0.0 |
In addition to buying seedlings for planting, in the Red River Delta, there are also a number of farmers who buy seeds and grow seedlings themselves. This often happens to farmers with small planting areas or who have experience in sowing seedlings but not for business purposes.
Harvesting methods are related to the demand for tomatoes in the consumer market. The results of the study on tomato harvesting methods of people in the Red River Delta in Table 3.8 show that most people in the Red River Delta harvest tomatoes when the fruit is fully ripe in the field. The method of harvesting ripe fruit for vinegar only occurs in the off-season with the aim of taking advantage of the time when the price is high and this method also occurs for farmers who are still conservative in growing tomatoes. People also believe that when harvesting ripe fruit for vinegar, the selling price is often not as high as when harvesting ripe fruit in the field.
Table 3.8. Tomato harvesting methods in the Red River Delta
Harvesting method
Rate (%) | |||
Hanoi | Hung Yen | Hai Phong | |
Green fruit harvest | 0.0 | 0.0 | 0.0 |
Pickling ripe fruit | 8.5 | 7.3 | 9.5 |
Harvest ripe fruit | 82.5 | 92.7 | 91.5 |
Tomato consumption market is one of the factors affecting the ability to expand production as well as transfer new scientific and technological advances. Researching the tomato consumption network in localities, we obtained the results in Figure 3.2.
The analysis results show that up to 85% of the products harvested by the people are sold to traders (buyers), while only 15% of the output is sold by the people themselves at local markets. This shows that tomato growers tend to be more professional in production in the product consumption stage. The tomato output sold by the people themselves at the markets is mainly from households with small growing areas or sold at the beginning or end of the harvest season.
90%
10%
Wholesale market (65%)
Processing plant (10%)
Consumer
Farmer
Buyer (80%)
Retailers (25%)
Figure 3.2. Tomato consumption model in some tomato growing areas in the Red River Delta



![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)

