Special Use Land | 2658.94 | +383.52 | ||||
Residential land | 711.56 | +82.01 | ||||
Unused land | 43798.99 | -10534.59 |
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Identify Rating Levels and Rating Scales
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zt2a3gstourism,quan lan,quang ninh,ecology,ecotourism,minh chau,van don,geography,geographical basis,tourism development,science
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of the islanders. Therefore, this indicator will be divided into two sub-indicators:
a1. Natural tourism attractiveness a2. Cultural tourism attractiveness
b. Tourist capacity
The two island communes in Quan Lan have different capacities to receive tourists. Minh Chau Commune is home to many standard hotels and resorts, attracting high-income domestic and international tourists. Meanwhile, Quan Lan Commune has many motels mainly built and operated by local people, so the scale and quality are not high, and will be suitable for ordinary tourists such as students.
c. Time of exploitation of Quan Lan Island Commune:
Quan Lan tourism is seasonal due to weather and climate conditions and festivals only take place on certain days of the year, specifically in spring. In Quan Lan commune, the period from April to June and from September to November is considered the best time to visit Quan Lan because the cultural tourism activities are mainly associated with festivals taking place during this time.
Minh Chau island commune:
Tourism exploitation time is all year round, because this is a place with a number of tourist attractions with diverse ecosystems such as Bai Tu Long National Park Research Center, Tram forest, Turtle Laying Beach, so besides coming to the beach for tourism and vacation in the summer, Minh Chau will attract research groups to come for tourism combined with research at other times of the year.
d. Sustainability
The sustainability of ecotourism sites in Quan Lan and Minh Chau communes depends on the sensitivity of the ecosystems to climate changes.
landscape. In general, these tourist destinations have a fairly high level of sustainability, because they are natural ecosystems, planned and protected. However, if a large number of tourists gather at certain times, it can exceed the carrying capacity and affect the sustainability of the environment (polluted beaches, damaged trees, animals moving away from their habitats, etc.), then the sustainability of the above ecosystems (natural ecosystems, human ecosystems) will also be affected and become less sustainable.
e. Location and accessibility
Both island communes have ports to take tourists to visit from Van Don wharf:
- Quan Lan – Van Don traffic route:
Phuc Thinh – Viet Anh high-speed boat and Quang Minh high-speed boat, depart at 8am and 2pm from Van Don to Quan Lan, and at 7am and 1pm from Quan Lan to Van Don. There are also wooden boats departing at 7am and 1pm.
- Van Don - Minh Chau traffic route:
Chung Huong high-speed train, Minh Chau train, morning 7:30 and afternoon 13:30 from Van Don to Minh Chau, morning 6:30 and afternoon 13:00 from Minh Chau to Van Don.
f. Infrastructure
Despite receiving investment attention, the issue of infrastructure and technical facilities for tourism on Quan Lan Island is still an issue that needs to be resolved because it has a direct impact on the implementation of ecotourism activities. The minimum conditions for serving tourists such as accommodation, electricity, water, communication, especially medical services, and security work need to be given top priority. Ecotourism spots in Minh Chau commune are assessed to have better infrastructure and technical facilities for tourism because there are quite complete and synchronous conditions for serving tourists, meeting many needs of domestic and foreign tourists.
3.2.1.4. Determine assessment levels and assessment scales
Corresponding to the levels of each criterion, the index is the score of those levels in the order of 4, 3, 2, 1 decreasing according to the standard of each level: very attractive (4), attractive (3), average (2), less attractive (1).
3.2.1.5. Determining the coefficients of the criteria
For the assessment of DLST in the two communes of Quan Lan and Minh Chau islands, the students added evaluation coefficients to show the importance of the criteria and indicators as follows:
Coefficient 3 with criteria: Attractiveness, Exploitation time. These are the 2 most important criteria for attracting tourists to tourism in general and eco-tourism in particular, so they have the highest coefficient.
Coefficient 2 with criteria: Capacity, Infrastructure, Location and accessibility . Because the assessment area is an island commune of Van Don district, the above criteria are selected by the author with appropriate coefficients at the average level.
Coefficient 1 with criteria: Sustainability. Quan Lan has natural and human-made ecotourism sites, with high biodiversity and little impact from local human factors. Most of the ecotourism sites are still wild, so they are highly sustainable.
3.2.1.6. Results of DLST assessment on Quan Lan island
a. Assessment of the potential for natural tourism development
For Minh Chau commune:
+ Natural tourism attractiveness is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined as average (2 points) and the coefficient is quite important (coefficient 2), then the score of Capacity criterion is 2 x 2 = 4.
+ Exploitation time is long (4 points), the most important coefficient (coefficient 3) so the score of the Exploitation time criterion is 4 x 3 = 12.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is assessed as good (3 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 3 x 2 = 6 points.
The total score for evaluating DLST in Minh Chau commune according to 6 evaluation criteria is determined as: 12 + 4 + 12 + 4 + 4 + 6 = 42 points
Similar assessment for Quan Lan commune, we have the following table:
Table 3.3: Assessment of the potential for natural ecotourism development in Quan Lan and Minh Chau communes
Attractiveness of self-tourismof course
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
CommuneMinh Chau
12
12
4
8
12
12
4
4
4
8
6
8
42/52
Quan CommuneLan
6
12
6
8
9
12
4
4
4
8
4
8
33/52
b. Assessment of the potential for humanistic tourism development
For Quan Lan commune:
+ The attractiveness of human tourism is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined to be large (3 points) and the coefficient is quite important (coefficient 2), then the score of the Capacity criterion is 3 x 2 = 6.
+ Mining time is average (3 points), the most important coefficient (coefficient 3) so the score of the Mining time criterion is 3 x 3 = 9.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points.
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is rated as average (2 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 2 x 2 = 4 points.
The total score for evaluating DLST in Quan Lan commune according to 6 evaluation criteria is determined as: 12 + 6 + 6 + 4 + 4 + 4 = 36 points.
Similar assessment with Minh Chau commune we have the following table:
Table 3.4: Assessment of the potential for developing humanistic eco-tourism in Quan Lan and Minh Chau communes
Attractiveness of human tourismliterature
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Quan CommuneLan
12
12
6
8
9
12
4
4
4
8
4
8
39/52
Minh CommuneChau
6
12
4
8
12
12
4
4
4
8
6
8
36/52
Basically, both Minh Chau and Quan Lan localities have quite favorable conditions for developing ecotourism. However, Quan Lan commune has more advantages to develop ecotourism in a humanistic direction, because this is an area with many famous historical relics such as Quan Lan Communal House, Quan Lan Pagoda, Temple worshiping the hero Tran Khanh Du, ... along with local festivals held annually such as the wind praying ceremony (March 15), Quan Lan festival (June 10-19); due to its location near the port and long exploitation time, the beaches in Quan Lan commune (especially Quan Lan beach) are no longer hygienic and clean to ensure the needs of tourists coming to relax and swim; this is also an area with many beautiful landscapes such as Got Beo wind pass, Ong Phong head, Voi Voi cave, but the ability to access these places is still very limited (dirt hill road, lots of gravel and rocks), especially during rainy and windy times; In addition, other natural resources such as mangrove forests and sea worms have not been really exploited for tourism purposes and ecotourism development. On the contrary, Minh Chau commune has more advantages in developing ecotourism in the direction of natural tourism, this is an area with diverse ecosystems such as at Rua De Beach, Bai Tu Long National Park Conservation Center...; Minh Chau beach is highly appreciated for its natural beauty and cleanliness, ranked in the top ten most beautiful beaches in Vietnam; Minh Chau commune is also home to Tram forest with a large area and a purity of up to 90%, suitable for building bridges through the forest (a very effective type of natural ecotourism currently applied by many countries) for tourists to sightsee, as well as for the purpose of studying and researching.
Figure 3.1: Thenmala Forest Bridge (India) Source: https://www.thenmalaecotourism.com/(August 21, 2019)
3.2.2. Using SWOT matrix to evaluate Quan Lan island tourism
General assessment of current tourism activities of Quan Lan island is shown through the following SWOT matrix:
Table 3.5: SWOT matrix evaluating tourism activities on Quan Lan island
Internal agent
Strengths- There is a lot of potential for tourism development, especially natural ecotourism and humanistic ecotourism.- The unskilled labor force is relatively abundant.- resource environmentunpolluted, still
Weaknesses- Poorly developed infrastructure, especially traffic routes to tourist destinations on the island.- The team of professional staff is still weak.- Tourism products in general
quite wild, originalintact
general and DLST in particularalone is monotonous.
External agents
Opportunity- Tourism is a key industry in the socio-economic development strategy of the province and Van Don economic zone.- Quan Lan was selected as a pilot area for eco-tourism development within the framework of the green growth project between Quang Ninh province and the Japanese organization JICA.- The flow of tourists and especially ecotourism in the world tends toincreasing
Challenge- Weather and climate change abnormally.- Competition in tourism products is increasingly fierce, especially with other localities in the province such as Ha Long, Mong Cai...- Awareness of tourists, especially domestic tourists, about ecotourism and nature conservation is not high.
Through summary analysis using SWOT matrix we see that:
To exploit strengths and take advantage of opportunities, it is necessary to:
- Diversify products and service types (build more tourism routes aimed at specific needs of tourists: experiential tourism immersed in nature, spiritual cultural tourism...)
- Effective exploitation of resources and differentiated products (natural resources and human resources)
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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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zc2o3n4t5e6n7ts
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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Land Use Situation of Pac Nam District in the Period of 2016 - 2018 -
Assessment of the Current Status of Access to Bank Credit Capital of Small and Medium Enterprises in Thai Nguyen Area in the Period of 2013 - 2018 -
N-No2- Concentration (Mg/l) of Treatment Area and Control Area During the Test Period: (♦) Treatment Area, (■) Control Area.

(Source: [48])
Thus, compared to 1995, the forestry land area increased by 8,770.06 ha, bringing the total forestry land area to 3,0108.67 ha (37.42% of the natural area), the agricultural land area increased by 1,299 ha, reaching 13,256.9 ha (16.47% of the total natural area). Specialized land has an area of 3,042.46 ha, mainly focusing on traffic land type 1,366.58 ha (accounting for 44.91% of the specialized land area), construction land 335.88 ha (accounting for 11.04% of the specialized land), specialized irrigation and water surface land is 399.14 ha (13.11% of the specialized land). Residential land increased rapidly and reached 793.57 ha (0.98% of natural land area), of which 22.74 ha is urban residential land under Met town (see table 4.3 and figures 4.1, 4.2).
Area (ha)
45000
40000
35000
30000
25000
20000
15000
10000
5000
0
Agricultural land Forestry land Specialized land Residential land Unused land
Soil type
1995 2000
Figure 4.1. Chart of land area changes in the period 1995-2000 in Huu Lung area
Although the unused land has decreased rapidly in recent times, there is still a very large area, about 33,264.4 hectares (41.26% of the total natural area),
In which, unused flat land is 152.56 ha (accounting for 0.19% of the total natural area), unused hilly land is 11,425.83 ha (accounting for 14.64% of the total natural area), unused land with water surface is 47.96 ha (0.06% of the total natural area), rocky mountain land without forests is about 20,380.91 ha (accounting for 25.32% of the total natural area).
The agricultural land area increased, mainly focusing on the type of land used for perennial crops. To meet the needs of society and the purpose of increasing income, many households converted mixed garden land, swidden land, reclaimed land, and wasteland with a slope of less than 200 into land for growing fruit trees. The total area of land for growing fruit trees in 2000 reached 5435.23 hectares, an increase of 4680.27 hectares compared to 1996. Until 2001, the area of land for growing fruit trees continued to increase and reached 6704 hectares.
Current status of agricultural production. Along with the transformation of land use structures is the transformation of crop structures. From 1995 to 2000, the average rice yield reached 36 quintals/ha, an increase of 11.6% over the same period in 1994. Corn yield fluctuated within the range of 10 - 25.44 quintals/ha and cassava yield, which was previously 100 quintals/ha, has now decreased to 58 quintals/ha. Soybean and peanut yields fluctuated on average from 10 - 12.2 quintals/ha, tobacco 12 - 14 quintals/ha, sugarcane from 33.6 - 45 tons/ha. The average total food grain reached 34,520 tons, fluctuating within the limit of 5%, of which rice output was relatively stable, about 22,169 tons, with annual fluctuations of no more than 3.4%. Currently, the area of tobacco, sugarcane and peanut cultivation is rapidly decreasing. Thus, with a population of 101,232 people in the area, the average annual food per capita reaches 341 kg/person, ensuring local food security. For perennial crops, by 2000, the area and output have both increased compared to the same period in 1995. The area of perennial crops in 1995 was 757.08 ha, by 2000 it was 5448.34 ha, an increase of 4691.26 ha, in which the increase was mainly concentrated in the area of litchi cultivation. In 2000, the lychee growing area reached 4,491.71 hectares - average yield of 1.195 tons/ha, the custard apple growing area was 593.19 hectares - yield of 3.52 tons/ha, the longan growing area was 267.68 hectares - yield of 4.19 tons/ha, the coffee growing area decreased by 25.2 hectares and remained at 13.11 hectares.
In terms of production, currently agricultural production in Huu Lung area mainly relies on natural conditions with two main industries: crop cultivation and livestock breeding.
Production is popular on a household scale with the basic household economic structure being: Garden - Pond.
- Barn - Field - Forest.
In summary, analysis of the current agricultural production situation shows that the current short-term crop system has ensured Huu Lung food security. However, in the long-term strategy, to improve the material and spiritual living conditions of the people, Huu Lung needs to focus on developing land use types for perennial crops, especially fruit trees, in the direction of commodity production for exchange with outside regions based on available potential.
4.1.4.2 Research results on the current status and changes in area of coffee, tea, lychee, custard apple and longan trees in the research territory
a. Current distribution status of coffee, tea, lychee, custard apple and longan trees according to the research territory:
The region's available potential in terms of natural conditions and market demand for long-term industrial crops and fruit trees has affected the development of coffee, tea, lychee, custard apple and longan in the Huu Lung area, creating trends of fluctuations in the area of each crop in the period 1995 - 2000 (see table 4.4 and figure 4.3).
Table 4.4. Changes in area of coffee, tea, lychee, custard apple and longan trees in the period 1995 - 2000 in Huu Lung area.
Area (ha)
Year 2000 | ||||||
Coffee and tea | Fabric | Na | Label | |||
13.11 | 4491.71 | 593.19 | 267.68 | |||
1995 | Coffee and tea | 38.31 | -25.2 | |||
Fabric | 137.0 | +4354.71 | ||||
Na | 202.0 | +391.19 | ||||
Label | 95.0 | +172.68 | ||||
(Source: [45])
The area of Arabica coffee cultivation tends to decrease, the area in 1995 was 38.31 ha, by 2000 it had decreased to 13.11 ha. The situation up to 2001, the area of Arabica coffee cultivation continued to decrease and was only 11.8 ha; the area of fruit trees such as lychee, custard apple and longan tended to increase, in which the area of lychee trees increased the fastest (increased by 4354.71 ha in 5 years).
The area and scale of coffee, tea, lychee, custard apple and longan cultivation (year 2000) are distributed as follows:
- Arabica coffee trees are grown in very fragmented areas among households in 7 communes: Minh Hoa, Nhat Tien, Dong Tan, Hoa Thang, Hoa Lac, Hoa Son, Minh Son and the town in the south of the area, of which the largest planting area is in Nhat Tien commune.
- Minh Son and Thi Tran (accounting for 68.6% of the total coffee-tea area of the region) are places with relatively favorable farming conditions with proactive irrigation water sources in the dry season and investment in nutrition during the coffee development process.
a)
Area (h)
4500
4000
3500
3000
2500
2000
1500
1000
500
0
Coffee and Tea Lychee and Longan
Plants
1995 2000
Figure 4.3. Changes in area of coffee, tea, lychee, custard apple and longan trees in the period 1995 - 2000 in Huu Lung area
Research on the current distribution status shows that Arabica coffee is not grown in the communes in the northern part of the region. According to the people, this is an area with many disadvantages for Arabica coffee growing such as frost and drought conditions. In the southern part of the region, although Arabica coffee is grown, it also faces many difficulties in soil quality as well as drought conditions leading to low productivity.
Low productivity and output (average 1.4 tons/ha). The decline in coffee prices in the domestic and international markets during this period affected people's production psychology, causing low investment in cultivation. These are the basic causes of the decline in both area and productivity and output of coffee trees in the Huu Lung area. By 2001, the total coffee area in the whole region continued to decrease to only 11.8 ha.
For fruit trees in the Huu Lung area, the main crops are lychee, custard apple and longan, development is relatively concentrated on a household scale, but has not really become specialized areas for commodity production.
- Lychee trees grow mainly in the communes of Nhat Tien, Minh Hoa, Minh Tien, Dong Tan, Tan Thanh, Hoa Son, Minh Son, Hoa Thang, Dong Tien, Do Luong, Thi Tran, Ho Son, Son Ha, Thien Ky, Thanh Son (accounting for 86.55% of the total lychee growing area). As of 2000, the total lychee growing area in the region was 4491.71 hectares, mainly on gentle hilly terrain belonging to two main soil types, Fs and Fq, with an average thickness of 50 - 100 cm. In many places, the soil layer is very thin (under 50 cm) and is still being improved by local people in the form of leveling for planting.
- Custard apple trees: by 2000, custard apple trees had been planted and developed on an area of 593.2 hectares, mainly concentrated on the terrain of limestone accumulation slopes, landslides and limestone accumulation slopes with soil types Fv and Dv in Cai Kinh, Hoa Lac communes and Tu Yen cluster (accounting for 65.2% of the custard apple growing area of the region).
- Longan trees: on the gentle hilly terrain, local people have used to develop longan cultivation. By 2000, the total longan growing area in the whole region had reached 267.68 hectares, but it was not yet concentrated and specialized. Communes with an average longan growing area of over 10 hectares are Tan Thanh, Minh Son, Hoa Thang, Dong Tan, Yen Binh, Yen Vuong, Nhat Tien, Hoa Son, Hoa Lac, and Thi Tran, accounting for 63.9% of the total longan growing area in the whole region.
The current use of land for fruit tree development shows that the Huu Lung area has a direction suitable for the market economy and the increase in area here is spontaneous and there is not enough scientific evidence for the area scale. Thus, to successfully implement the plan in the long-term development strategy, it is necessary to
Conduct an ecological economic assessment of landscape types for fruit growing land uses throughout the region.
b. Current distribution status of coffee, tea, lychee, custard apple and longan trees on different landscape types and ecological adaptation levels
Conduct comparison and analysis between the results of ecological adaptation assessment and the current land use status for developing types of land use for growing coffee, tea, lychee, custard apple, and longan to determine the ecological potential to serve the planning orientation of long-term industrial crops and fruit trees in the study area (see table 4.5).
The results summarized from Table 4.5 show:
- The landscape types that are evaluated and classified as suitable for long-term industrial crops and fruit trees, and are currently being exploited for production, are landscape types that are geographically favorable. These landscape types are distributed in areas near residential areas, with convenient traffic, mainly in the communes along National Highway 1A, Road 16, Quyet Thang commune cluster and Tu Yen commune cluster.
- The current distribution of crops has partly reflected quantitatively the ecological adaptation level of coffee, lychee, custard apple and longan trees on the landscape types in the research area. The landscape types in the unsuitable class for coffee, lychee, custard apple and longan trees due to limited ecological factors, in fact, local people have not used them for the purpose of developing the above crops (current distribution area is 0). With the landscape types in the adaptive class (very adaptive, adaptive, less adaptive) the current distribution area varies between the adaptation levels, partly reflecting the level of exploitation and use of ecological potential of the landscape types in the research area.
Compared with the assessed potential, the actual exploitation and use of the territory for the purpose of growing coffee, tea, lychee, custard-apple and longan is as follows:
- For Arabica coffee: currently grown on 4 landscape types (4,11, 12, 37) in which landscape type 37 is at the average adaptability level and the remaining 3 landscape types are at the less adaptable level:
+ Landscape type No. 37 has an area of 96.95 ha, currently only 3.3 ha is exploited by people to grow tea coffee, landscape types 4, 11, 12 only have 9.8 ha currently exploited and used out of a total of 2154.37 ha. Thus, the current status of tea coffee production in Huu Lung area is still very fragmented, not suitable for commodity production.
+ The current status of land use for the purpose of developing Arabica coffee compared to the assessed potential is still very low: only 0.57% is at the average adaptation level and 0.054% is at the low adaptation level, while the types of landscape at the non-adaptive level are not currently exploited. The current status of land use for growing Arabica coffee reflects the suitability between the classification assessment results and the current production status.
- For lychee, custard apple and longan trees: currently being grown in 10 landscape types (4, 11, 12, 19, 22, 26, 37, 55, 58, 62) at all 3 adaptation levels (S1, S2, S3). Of which, the current exploited area of lychee trees is mainly concentrated on landscape types at the average adaptation level with an area of 4,297.76 ha, accounting for 18.13% of the assessed potential. Custard apple trees are currently grown at adaptation levels (S1, S2, S3) of 153.23 ha; 229.58 ha; 210.39 ha. Thus, the custard apple growing area only reached 37.37% of the potential assessed at level S1, while above levels S2 and S3, only 0.94% and 4.79% of the ecological potential were used, which confirmed the reasonableness of the current production status. For longan, the total newly planted area only reached 267.68 ha, but it also reflected the reasonable exploitation and use of potential in production (the planting area at S1, S2, S3 was 35 ha; 214.88 ha; 17.8 ha).
c. Some models of current fruit tree cultivation in Huu Lung area
1. Lychee growing model: on a landscape of washed slopes on shale, slope 8 - 15 0 , soil layer thickness 50 - 70 cm, heavy mechanical composition, low fertility, in Tan Huong village, Nhat Tien commune.
- Hilltop: high terrain, steep slope, poor humus soil designed by local people to plant acacia auriculiformis, 30% coverage, 5 - 7 years old, 15 - 25 cm diameter, with the purpose of keeping moisture and protecting the soil, while collecting commercial forestry products.
- Hillside: smaller slope, designed to plant lychee by leveling along contour lines, on which holes are dug with dimensions of 80 60 cm, the hole is composted with manure mixed with loose soil and pond mud before placing the lychee roots, the lychee is planted with a distance between trees and rows of 8 8m. This design ensures that the trees are spaced evenly, facilitating fertilization, light reception and nutrition for the trees.
- On the designed ice-level edges, planting barbed wire creates a protective belt to keep the soil from being eroded and washed away effectively, which is effective in terms of environmental protection.
- Foothills: the low-lying terrain is designed as a fish pond to collect products and provide water for plants. However, in the driest months of the year (December, January), the water supply must be pumped from the Thuong River through a self-made canal system. Next to the fish pond is a system of livestock barns that provide a large amount of manure.
Throughout the model above, we see that the plants are grown in a favorable ecological environment, which proves that the ecological adaptability of litchi trees has basically been met. This is an RVAC-style agroforestry model with the main crop being litchi trees on a typical household scale in the research area, characterized by high economic efficiency, good environmental maintenance, and at the same time ensuring the adaptability of litchi trees.
2. Custard apple growing model: on a limestone landslide landscape with soil type Fv, slope 8 - 15 0 , soil layer over 100 cm thick, Dong Ngau village, Cai Kinh commune.
Local people design custard apple planting on this type of landscape by creating 60 sized holes.50 cm, tree to tree, row to row 3 3 m. Custard apple has good resistance, requires little fertilization, mainly spraying pesticides when the tree has young leaves and bears fruit. Growing custard apple requires little watering, so the care is also easier than lychee. This is a typical garden model on a household scale with custard apple as the main tree, bringing high economic efficiency, receiving response from local people and expanding cultivation.


![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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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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