be solved on the basis of a team of technically qualified and highly skilled workers, while applying new scientific and technological advances to improve the production process to improve product quality, increase productivity and reduce product costs. Therefore, human resource training policies and scientific and technological policies must be given special attention in policies, resolutions as well as in practice in the coming years. Currently, Thanh Hoa has a training system with quite large universities, high schools, colleges and vocational schools, with a large number of teachers at all levels of 2,500 people. This is a condition for Thanh Hoa to develop a human resource training system for the province in general and the coastal region in particular.
In 2010, the number of working-age laborers in Thanh Hoa province will be 2,575.7 thousand people and is forecasted to be 2,788 thousand people in 2020. This is a very important resource to meet the development requirements of the province in the coming time, but it is also a great pressure on the issue of job creation. Currently, most of the laborers in the province are unskilled laborers, coming from agricultural production, so the technical level and skills of the laborers are limited, their competitiveness is poor, and they have not met the current labor recruitment requirements of enterprises. In the coming time, the demand for labor is very large, capable of solving jobs for most of the province's surplus laborers, but the requirements for the level and quality of human resources are also increasing. Therefore, in the coming time, there needs to be a plan and active policies to train and improve the quality of human resources to meet the development requirements of the province. To ensure the above goals, it is necessary to synchronously implement the following solutions:
Building marine human resources must include researchers, managers, experts and a team of highly trained and skilled workers in all sectors required by the coastal economy, such as maritime (shipping, shipbuilding, seaports); oil and gas exploitation and processing, fishing, aquaculture and seafood processing, services, coastal tourism, marketing human resources, etc.
- Strengthen training of highly qualified staff (PhD, Master), promote the role of intellectuals in the socio-economic development of the province.
Maybe you are interested!
-
Coastal economic development policy of Thanh Hoa province in the period from 2000-2010 - 22 -
Socio-Economic Development Goals of Thanh Hoa Province in the Coming Years -
Perfecting the Coastal Economic Development Policy in the Direction of Focusing on Promoting Absolute Advantages and Enhancing Comparative Advantages of Coastal Products -
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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- Expanding forms of training and vocational training, focusing on industries such as: construction, mining, construction materials production, mechanical engineering, electricity, petrochemicals, tourism, foreign languages, information technology, healthcare, education, agricultural, forestry and fishery processing, economic management... in many forms, including full-time, part-time, short-term, long-term... Coordinate with businesses to organize training and recruit local workers.

- Strengthen the training capacity of universities, colleges, and vocational high schools in the area, moving towards establishing multidisciplinary universities to expand human resource training, meeting the development requirements of the province and the North Central region. Focus on investing in vocational training centers, well-equipped with facilities and infrastructure, consolidating the teaching staff, and improving training capacity. Encourage businesses to participate in vocational training for the province's workforce.
- Continue to promote the connection between the province's training facilities and training and vocational training centers in Hanoi to expand the scale and forms of training for the province's workforce. Prioritize the training of skilled workers and highly qualified technical staff. Focus on improving foreign language proficiency to access new science and technology.
- Expand vocational training and transfer of skills in many appropriate forms. Have policies to encourage artisans to transfer their skills and support vocational training for the workforce. Policy to grant scholarships to the poor with good learning ability and to social policy beneficiaries. Organize well the forms of promotion, support and job introduction for the province's workforce, especially the young workforce.
- Encourage and promote the socialization of education and training, encourage businesses to spend their own money to train their workforce, and at the same time support the province's education and training work.
- The province needs to allocate appropriate resources to focus on investing in a number of necessary stages and fields of education and training; have a policy of collecting tuition fees and mobilizing contributions from employers of trained workers according to the principle that whoever pays for the training has the right to use it.
- Strengthen inspection and supervision of the implementation of labor laws. Improve social insurance mechanisms, health care for workers, social subsidies, and mobilize people to effectively implement family planning.
For specific industries, attention should be paid to the following issues:
Firstly, for the fisheries sector . Regarding labor resources, the current workforce of the fisheries sector has 45,616 specialized workers and 48,500 fisheries workers combined with other occupations. According to forecasts, by 2020, there will be 82,000 people specializing in fisheries and 85,000 people combined with fisheries. The problem is that there needs to be a policy of vocational training of all kinds through schools, classes with high school diplomas, Captains, chief engineers, CNKT, etc., reaching only about 4,000 people, workers trained through Fisheries Extension and Agricultural Extension programs account for about 6,000 people.
Workers in the aquaculture industry, especially those in aquaculture and aquatic seed production, are workers who use biotechnology and require a certain level of expertise to manage, direct, operate and perform technical operations. The number of workers increasing in the coming period will mainly be those in aquaculture and aquatic seed production due to the increase in area, subjects and forms of farming.
For mining workers in key positions such as Captain, Chief Engineer, Electrician, Mechanic, 100% must be trained; mining workers must be trained at least 30%.
For workers in shipbuilding and ship repair, at least 30% must be trained, ensuring that facility owners, managers, and key positions in teams and groups must be trained. For workers in aquaculture and aquatic seed production, 40-50% must be trained. Owners of aquaculture and seed production facilities, key positions in teams and groups, and workers directly involved in aquaculture and seed production must be trained.
To meet the above training requirements, it is necessary to have an investment policy to upgrade the Fisheries High School into a Fisheries College to train workers in the Fisheries industry to reach vocational college level in specialized fields of ship control, ship engine use, aquaculture, seafood processing, industrial electricity and production accounting.
In addition, attention should be paid to investment in training at college, university and post-graduate levels, ensuring that each offshore fishing vessel, each facility and each farming area
Fresh, brackish, salty, key positions in production, business, service and research establishments have staff and workers with college, university and post-graduate degrees.
- Second, for the industry . Along with strengthening the training of highly qualified staff, it is necessary to expand vocational training in many forms, including formal, on-the-job, short-term, and long-term to increase the professional qualifications of workers. Coordinate with enterprises in the program to organize programs, train and recruit local workers; prioritize training skilled workers and highly qualified technical staff; Have policies to encourage artisans to pass on their skills and support vocational training for the workforce, organize many forms of promotion, support and job referrals.
Third, for the tourism industry, through measures to diversify training and through large programs to improve the quality of human resources; attract good experts and highly skilled workers from outside, especially from localities where the tourism industry is developing, into priority areas where the local workforce is still too thin; implement outsourcing of external experts for some specific tasks.
Fourth, for farmers , focus on guidance, introducing experiences, and building effective production and business models for farmers to learn.
3.2.5. Promote policies to encourage research and application of science and technology in production and business sectors in coastal areas.
Along with solutions to increase investment capital, develop human resources, improve production efficiency and increase product competitiveness requires continuous technological innovation. Therefore, it is necessary to attach importance to science and technology work, focusing first on key stages, development and application programs, bringing scientific and technological advances to support development.
In the basic construction capital of the State budget, it is necessary to allocate an appropriate proportion depending on each industry for technological innovation, ensuring that the growth rate of costs for technological innovation is higher than the growth rate of general basic investment. In addition, it is necessary to improve the efficiency of using
Use of investment capital in science and technology. Allocate a portion of investment capital to strengthen agencies providing science and technology services (measurement, product testing, etc.).
Increase funding for scientific research in the agricultural sector, ensuring a minimum rate within the annual budget expenditure limit as prescribed. Focus research on testing new plant and animal varieties of high economic value for local production. Allocate adequate funding for the mass application of experimental scientific advances in production, linking research with local production practices.
Promote investment in construction, gradually form high-tech zones, high-tech agricultural zone models, focus on applying science and technology in identifying new selected varieties, specialty varieties in aquaculture, increase the proportion of main products from selected crops and livestock and apply intensive farming techniques to reach 80.0% of production value by 2020.
There are preferential policies for enterprises investing in applying new and advanced technologies in production. Build and replicate good production models, good business, high economic efficiency, especially in the fields of agriculture, forestry and handicrafts. For agriculture, it is necessary to promote the application of high-yield, disease-resistant plant and animal varieties suitable to the province's conditions; apply advanced technologies in the stages of preserving and processing agricultural products and other manufacturing industries.
Focus on building and developing information networks. Quickly deploy the construction of information infrastructure to widely apply information technology in production and business as well as state management activities.
There are synchronous policies to encourage and promote industries and enterprises to actively apply new science and technology. Tax exemption for capital of enterprises for technological innovation. Tax exemption for a limited period for enterprises conducting trial production. Encourage increased investment in technological innovation implementation in the industrial and agricultural sectors of the province.
Particularly for coastal economic development, some important science and technology solutions are:
- For the fisheries sector . The areas and issues that need to be further studied and applied in the fisheries sector in the coming period include exploitation, aquaculture and processing. The province needs to have a policy of coordination between education and training, research and technology transfer, within the province and with leading scientific institutions nationwide such as the Institute of Marine Research, the Institute of Aquaculture Research I, II and III, the University of Fisheries and especially the North Central Sub-Institute of Aquaculture Research to carry out research on topics, models, projects and apply scientific and technological advances transferred by those units.
There is a policy to build experimental and practice facilities in the fields of training and research (especially in the fields of mechanics, exploitation, seed production, aquaculture, disease prevention, preservation and processing) for the Aquatic High School. Establish an environmental warning department under the Quarantine Station (Sub-Department of Aquatic Resources Protection) to monitor environmental developments, promptly detect and issue warnings, measures to prevent, remedy and handle environmental issues for aquaculture areas and activities in the aquatic sector.
Establish a Center for Research and Production of Aquatic Seeds such as a Freshwater Seed Farm and a Saltwater and Brackish Water Seed Farm to provide high-quality plant and animal varieties to farmers.
- For industry. Allocate an appropriate proportion of budget capital for technological innovation, strengthen agencies providing scientific and technological services (measurement, product testing, etc.);
There are preferential policies for enterprises investing in applying new and advanced technologies in production, encouraging enterprises to apply advanced quality management systems according to international standards, creating a Science - Technology market associated with Trade Promotion and brand building, especially specific brands of Thanh Hoa industrial products, promoting the establishment of science and technology enterprises...;
Building and replicating models of applying advanced technologies in the stages of preserving and processing agricultural products and other manufacturing industries...;
Investigate the level of enterprise technology. Develop a roadmap and strategy for technological innovation for enterprises, promote research and application, and gradually form new, high-tech industries;
- For sedge and peanuts, to promote intensive cultivation, improve productivity, quality and economic efficiency of sedge and peanuts, it is necessary to pay attention to some measures such as: Selecting and improving sedge varieties to achieve high productivity, focusing on research and building high-quality breeding models; transferring technology to sedge and peanut communes; Strengthening pest control, care and fertilization, processing and preservation techniques; It is necessary to focus on building product brands for sedge and peanuts, and strengthening trade promotion; The State needs to have policies to support the construction of infrastructure for traffic systems, planning irrigation in sedge and peanut areas, meeting irrigation needs, and having plans to maximize irrigation capacity; pumping stations, regulating sluice systems on irrigation and water intake canals, etc.
- For food vegetables and fruits . Build a model for producing vegetables and fruits using advanced technology. Research and build a model for producing food vegetables and fruits using high technology, providing good, disease-free varieties, providing high-quality products to the market, thereby transferring technology to farmers to promote the rapid application of advanced techniques.
Safe vegetable production models using advanced techniques have been built in some places in the province. However, there are still too few models, and the models are still small-scale, with monotonous products, so the efficiency is not high. In the coming time, it is necessary to mobilize financial resources from agricultural extension, from scientific research, and investment to build many safe vegetable production models, on a large scale, with more diverse products, gradually reducing costs to compete with vegetables that do not meet safety standards. Gradually expand the form of vegetable and fruit production in greenhouses, watering using water-saving methods...
In planting, care and intensive farming techniques, it is necessary to encourage, guide and eventually force farmers in specialized areas to comply with safe and clean vegetable cultivation techniques issued by the Ministry of Agriculture and Rural Development. Apply the process of safe vegetable production in greenhouses to be proactive in cultivation, avoid harmful effects such as rain, wind and storms on vegetables and fruits, limit the penetration of pests and diseases... Apply the process of integrated pest control IPM to produce safe vegetables, limit the use of pesticides, causing environmental pollution and affecting the health of producers and consumers. Build facilities to preserve fresh vegetables and fruits, process and package them appropriately for domestic consumption and export such as pickled cucumbers and pickled eggplants.
3.3. CONDITIONS FOR IMPLEMENTING POLICY SOLUTIONS FOR COASTAL ECONOMIC DEVELOPMENT OF THANH HOA PROVINCE TO 2015, WITH A VISION TO 2020
3.3.1. Perfecting the institutional environment for coastal economic development in Thanh Hoa province
The State needs to soon build a legal system on coastal economic development. To turn potential and advantages into reality and develop Vietnam's marine economy sustainably are opportunities but also full of challenges, because the exploitation and use of seas and islands in our country are revealing many limitations, because: The assessment and recognition of the potential of marine and island resources are still not at the right level; the coordination between relevant ministries and functional branches to build an institutional environment for the use of seas and islands still lacks unity; lacks mechanisms; the State does not have appropriate policies to build a comprehensive, unified and synchronous plan (due to limited State investment for the task of exploiting marine economic potential, it is not commensurate with the existing potential, as well as the current situation of the country). Furthermore, in the context of many ministries and sectors participating in sea management, coordination is still lacking, management functions are overlapping, leading to inadequacies in planning management as well as exploitation and use of sea and island potential. To overcome this situation, we recommend:





![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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