season. The pickled meat is put into a jar, then tied tightly until the meat is ripe enough to be opened and eaten. However, nowadays, for convenience and ease of processing and transportation, people replace the jars, jars with plastic boxes. Pickled meat can be fried, cooked according to each person's preference. However, what many people like about this unique dish is that the meat can be stored for a long time without losing its color, and the flavor is very delicious and attractive.
These dishes will be impressive, unique but no less attractive dishes in the menus of restaurants, hotels, motels, and inns in Bang Ca. Visitors can feel the taste of the mountains and forests through enjoying the ethnic dishes of the Dao Thanh Y people, Bang Ca commune.
- Village festival of the Dao Thanh Y people in Bang Ca commune:
During the lunar year, the Dao people here hold village festivals on the following days: February 1st, April 1st, July 1st, October 1st and December 20th. However, only the February 1st and December 20th Village Festivals are the two most important festivals of the year for the people here.
Maybe you are interested!
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Perfecting the interest rate management mechanism of the State Bank of Vietnam in the conditions of a market economy - 30 -
Building a strategy to position teambuilding tourism products in the domestic market at Saigontourist Travel Service Company - 2 -
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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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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The impact of financial market development on the capital structure of listed enterprises in the ASEAN Economic Community - 28
The February 1st Village Festival is an important milestone, meaning the beginning of a new year. Therefore, everyone in the village, especially the heads of households, are present in full force, the village offerings are carefully prepared, and the festival process must be carried out smoothly so that the whole year the villagers will be safe and sound, business will be favorable, the harvest will be bountiful, and every family will be well-fed.
The village festival on December 20 has the meaning of summarizing a year of hard work, is the time when villagers, clans, and families discuss the work to be done next year; is an occasion for everyone to completely resolve disputes and conflicts related to others in the village, within the clan to welcome the new year with dreams and hopes; pray for good things to come to themselves and their clan.
In addition to the two festivals above, each festival here has its own meaning, marking the transition of seasons and the beginning of a new crop:
Village festival April 1st, the weather is entering summer, work is being done to prepare for the summer-autumn crop.
Village festival On the first day of July, the weather turns to autumn, work is done to prepare for clearing the fields and farming.
Village Festival On the first day of October, the weather is entering winter, preparing to protect the forest from the dry weather and worrying about tilling the land to grow crops...
The Thanh Y Dao village festival in Bang Ca commune has existed for a long time. Over time, through many generations, no one knows when the village festival started. Perhaps the village festival was formed when the Thanh Y Dao people lived in Bang Ca.
In the past, the Dao Thanh Y people often lived in remote, mountainous areas with difficult travel conditions, many wild animals, harsh climate and nature, the main farming method was slash-and-burn farming, and the distance between households was far apart, so their lives and activities encountered many difficulties. The formation of the ancient village festival was a condition for the people to unite, overcome natural disasters, fight wild animals, help each other in production to survive and to maintain and develop the ethnic group...
Today's village festival still carries an important part of the ancient meaning and also has a contemporary cultural feature: it is a place to organize and build a cultural lifestyle in the village; it is a place to preserve and promote the traditional cultural values of the Dao Thanh Y ethnic group; it is a place to propagate and popularize the policies and laws of the Party and State, and the conventions and village regulations.
The village festival usually consists of two parts: the Ceremony and the Festival, which are held from 7 to 8 a.m. Villagers contribute their products to the house of the Chief of the Clan (who can be the Chief of the Village or the Shaman). The Ceremony is held from 10 a.m. by the Chief of the Clan and the Sub-Clan (both of whom have been granted the title of Shaman according to the customs of the Dao Thanh Y people). The meaning of the Ceremony is to pray to heaven and earth, the local gods, the mountain gods, the village guardian spirits and the Dao Thanh Y clans in Bang Ca commune to witness the sincerity of the descendants who wholeheartedly worship heaven and earth, the gods and the ancestors of the clans; pray for those who go to the forest, plant forests, farm, and increase production to be safe and develop; pray for the villagers to be healthy, for heaven and earth to create favorable weather so that the villagers can produce a lot of wealth. The participants in the Ceremony are the heads of households (males) who have been granted the title, that is, they are adults.
After the Ceremony is the Festival, people in Bang Ca village: old, young, girls, boys, all can participate. Previously, at the Village Festival, traditional folk games were performed naturally, without any need for a script. People attending the Festival can play throwing con, shooting crossbows, pushing sticks, spinning tops, “sang co” (a form of antiphonal singing between boys from this village and girls from that village, from this family to that family), and participate in folk games.
Nowadays, the "sáng cố" genre has faded away and traditional folk games are brought into the Association in an organized manner.
However, currently, with the project of investing in developing community tourism in Bang Ca,
"Sáng cổ" is being gradually restored by artisans and passed on to the younger generation, the next generation, serving local tourism.
Bang Ca people consider the Village Festival as a form of community cultural activity, a place to resolve internal conflicts, bringing unity and consensus among families, clans and villages in daily life. Although there are many changes in the socio-economic aspects, the Village Festival of the Thanh Y Dao people in Bang Ca commune is still held on a voluntary basis, the households here still participate fully and strictly follow the customary laws, because the Village Festival has long been ingrained in the consciousness of each person.
Coming to Bang Ca, especially on the village festival day, visitors can witness the unique cultural and religious features of the Dao Thanh Y people through the rituals and festivals of the people. This is a traditional cultural feature that is still intact and only exists in the Dao Thanh Y people, Bang Ca commune, Hoanh Bo district. Visitors can participate in the festival with the Dao Thanh Y people through folk games: throwing con, pounding rice, shooting crossbows, throwing spinning tops... which will leave unforgettable experiences for visitors when coming to Bang Ca.

Figure 2.1: Rice pounding competition in Bang Ca village festival.
- The coming of age ceremony: [41]
The coming of age ceremony is divided into two different types. The first type is the coming of age ceremony to raise the rank/light the lamp for the shaman/witch. The second type is the coming of age ceremony for the son.
men in the community. Because being a man is a must to have the coming-of-age ceremony. The Thanh Y believe that after a person dies, if he is not given the coming-of-age ceremony, his sacred soul will not be able to serve the Ban Vuong (the Ban Vuong is considered by the Thanh Y as their ancestor). Especially for the living, if a man wants to be considered an adult by the villagers, he must go through the coming-of-age ceremony. An adult who wants to become a shaman or a sorcerer must go through the coming-of-age ceremony. Even if he has not been brought up to age, whether he is old or young, the eldest or the second son, he cannot worship his ancestors. If he does not go through the coming-of-age ceremony, even if he is old, the villagers will still consider him a child and will not bury him according to the ritual. The coming-of-age ceremony is the elevation of each man, it is the moment that marks his maturity. During the ceremony, people also pray for good luck for the person who has been brought up to age throughout his life.
The coming-of-age ceremony is an occasion for the villagers to gather, relatives near and far have the opportunity to invite each other to meet and express their feelings to each other. Relatives who work or study far away also try to return to reunite with their families. The Thanh Y people believe that the coming-of-age ceremony is the most important day in the life of every man and a happy day for the whole community. Therefore, months before the ceremony, the family of the person receiving the coming-of-age ceremony calls, writes letters or has to travel across streams and forests to invite relatives and relatives on both sides to attend.
At the end of the ceremony, when all the worshiping procedures are complete, the ceremony ends with a very joyful procedure that contains a very innocent spiritual element of the Thanh Y people, which some people call the blanket wrapping custom. That is the procedure of carrying the person who has been ordained to squat on a table placed carelessly and precariously in the middle of the yard (in front of the ceremony area). After about ten or fifteen minutes, the shaman or sorcerer pushes the person who has been ordained onto a cotton blanket and then wraps it up tightly. The Thanh Y people believe that when lying in a tightly wrapped blanket, harmony between yin and yang, between heaven and earth, between heaven - earth - human, between ancestors and descendants can be created. This is also the time when Ban Vuong comes back to recognize and accept to help the person who has been ordained with all good things. After about three or five minutes, the shaman steps forward to open the blanket and from now on, the person who has been ordained is officially free, considered an adult in the community and respected by the villagers as an adult in the village.
The current cap sac custom is still a unique custom of the Dao Thanh Y ethnic group. It has not been exploited for tourism purposes. However, it carries within it extremely unique and novel cultural features and arouses the curiosity of tourists when they come here.
visit Bang Ca. Therefore, the ordination ceremony can be used to exploit the development of local community tourism as a unique, novel and attractive tourism product. Turn the ordination ceremony into a performance custom to serve local tourists. Participating tourists can watch or "play the role" of the person receiving the ordination ceremony in the Dao Thanh Y ethnic costume (male tourists), experience the moments in the ceremony in which they are the main character; at the same time, tourists can save their souvenir photos in this ritual...


Figure 2.2: The coming of age ceremony of the Dao Thanh Y people in Bang Ca
- Musical instruments and folk games: [41]
The Dao ethnic musical instruments are mainly used in religious and belief ceremonies, including drums, cymbals, bells and horns. In addition, the Dao also have other musical instruments such as two-stringed fiddles, flutes, and jew's harps.
Dao people's games are very diverse, including many different genres; there are ritual games such as spirit possession, fortune telling, dancing...; there are games played while drinking such as finger pointing, singing and responding...; there are games played during Tet and other free time such as swinging, spinning top, throwing con...
Tourists, especially international tourists and young tourists, will be very excited to participate in these traditional games when coming to Bang Ca. Or tourists can immerse themselves in the sounds of unique musical instruments performed by the Dao Thanh Y people; or can choose to buy a musical instrument whose sound makes you excited as a souvenir.
2.2.2. Conditions on community factors.
Bang Ca commune has a population of 1,828 people (of which 955 are men and 873 are women). The commune has 5 ethnic groups living together, the Dao Thanh Y ethnic group accounts for 97%, the rest are Kinh, Hoa, Tay, San Diu ethnic groups. Number of households: 355 households (Chin Gian village: 157 households; Dong San village: 137 households, Khe Lieu village: 41 households) [40,32].
Currently, there are 12 households in Chin Gian Village and 6 households in Dong San Village registered to do homestay business. These households are all Dao Thanh Y ethnic group. They all live in traditional houses of their ethnic group (stilt houses). The stilt houses of Dao Thanh Y people in Bang Ca are made from wood, very sturdy, clean and beautiful, not inferior to the stilt houses of Thai people. Households registered to do homestay business have been able to borrow capital to renovate their houses to ensure a clean and airy space to welcome tourists to stay. Special attention is also paid to the toilet area. Toilets and bathrooms must be clean and dry, meeting the standards of a motel or higher.
All of these households are mainly farmers, their main occupation is agriculture, the workers in the tourism industry in Bang Ca are all manual laborers. The service style is simple, rustic, and rural. In addition, people are aware that they own a large source of income from natural resources and human resources, so they are aware of protecting natural resources, human resources, and the environment.
2.2.3. Conditions for having domestic and international tourist markets to visit, travel, and research will attract many visitors.
Currently, small tours to Bang Ca are conducted through travel companies in Quang Ninh province such as Saigon Tourist... However, visitors to Bang Ca only visit for a short time (usually during the day). According to statistics, only 32% of visitors come to Bang Ca for tourism purposes; 56% of visitors come to Bang Ca for work purposes combined with tourism. Of which, visitors know about Bang Ca through different channels (from friends: 25%, from travel programs of travel companies: 52%, from the media: 10%, from other sources of information: 13%).
The number of tourists coming to Bang Ca is quite small, so there is no complete statistics on the number of visitors from the management agencies such as communes and districts. Tourists hardly know about Bang Ca due to the lack of promotion through information channels. In addition, the project to build a cultural conservation area for the Dao Thanh Y ethnic group has just been implemented, but has not yet been
really put into tourism business...Bang Ca is still a new destination for domestic and foreign tourists.
Meanwhile, in terms of geographical location and traffic, Bang Ca is adjacent to the cities: Ha Long, Uong Bi and Quang Yen town, which annually welcome a large number of tourists including domestic and international visitors. These will be potential customers of Bang Ca in the future.
2.2.4. Reasonable policy and mechanism conditions create a favorable environment for tourism development and community participation. [27,137]
Bang Ca has rich and unique tourism resources, but the natural conditions and socio-economic life of the people are still difficult. The Resolution of the 11th Quang Ninh Provincial Party Congress determined as follows:
“Focus all resources on investing in socio-economic infrastructure development, maximizing the potentials and unique values of Quang Ninh province; investing in the development of the service and tourism industry of the province in conjunction with building Quang Ninh into an international, regional and national tourism center. Increase investment in technical infrastructure for tourism, link tourism development with culture; encourage economic sectors inside and outside the province to invest in developing tourism types, prioritizing investment projects in developing sea tourism, cultural tourism, eco-tourism, forms of entertainment, recreation, relaxation and medical services. Plan the tourism development strategy to 2020 with a vision to 2030, build projects, tours, routes and tourist destinations, diversify and improve the quality of tourism products. Strengthen tourism information and promotion work...” [27,137]
Bang Ca is a commune with rich natural and human resources that attract visitors, especially the scenic Hon Tron, Vong Gac Hill, Khe Chinh Dam Lake, Dao Thanh Y Ethnic Cultural Conservation Area, and the customs and practices of the Dao Thanh Y ethnic group... Tourism development in Bang Ca focuses on areas such as: developing cultural tourism, festivals combined with eco-tourism with many unique tourism products such as mountain climbing expedition programs, boating in the lake, sightseeing programs to learn about customs and beliefs, eco-tourism programs and weekend tourism...
Bang Ca commune is a particularly difficult commune of Hoanh Bo district, with rugged terrain and difficult transportation. People here mainly live on farming, so
extremely difficult economic conditions. However, Bang Ca is endowed by nature with an extremely rich source of natural and human resources, which is a favorable condition for developing local tourism. Therefore, in the economic development strategy of Hoanh Bo district, the important position of Bang Ca commune for the district's economy, politics and society has been identified as follows: "Must take advantage of all investment capital sources to build infrastructure at Bang Ca tourist destination associated with eco-tourism, weekend tourism in Bang Ca; build Bang Ca community eco-tourism area, build unique products to attract tourists. Strive to make tourism become the spearhead economic sector of the district by 2015".
Therefore, the Department of Culture - Sports and Tourism coordinated with the Department of Culture and Information of Hoanh Bo district to organize training for more than 70 people of Bang Ca commune on the work of preserving and promoting the traditional folk cultural values of the Dao Thanh Y ethnic group to develop tourism.
Here, people were informed about the following contents: rights, responsibilities and contributions of the people of Bang Ca commune to preserving and promoting national cultural values; cultural behavior in developing community tourism; protecting the ecological environment in developing community tourism... At the same time, there was a discussion and exchange with officials of the Department of Culture - Sports and Tourism about experiences in developing community tourism in localities outside the province, applying in Bang Ca commune, exploiting and promoting national cultural values to serve the development of community tourism.
In 2010, the locality opened 3 classes to learn Nom Dao script, singing and traditional costume embroidery of the Thanh Y Dao people in Bang Ca commune with over 100 students participating.
In 2013, the District Department of Culture and Information will continue to organize for representatives of more than 20 households to visit the actual practice of community tourism in a Dao village of Sa Pa district - Lao Cai province.
This is a practical activity contributing to the exploitation and use of the Project to preserve the Dao Thanh Y cultural village in Chin Gian village, Bang Ca commune, Hoanh Bo district; gradually preserving and promoting the cultural values of the Dao Thanh Y ethnic group in Bang Ca commune to serve the development of community tourism...
Besides, to preserve and transmit the ancient cultural heritage of the Dao Thanh Y ethnic group, the role of artisans is very important. In 2012, the Association of Folk Arts




![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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