MINISTRY OF EDUCATION AND TRAINING
UNIVERSITY OF COMMERCE
-------------------------
NGUYEN THU TRANG
INSPECTION OF CREDIT INSTITUTIONS AT STATE BANK BRANCH IN BAC GIANG PROVINCE
MASTER'S THESIS IN ECONOMICS
Hanoi, 2021
MINISTRY OF EDUCATION AND TRAINING
UNIVERSITY OF COMMERCE
-------------------------
NGUYEN THU TRANG
INSPECTION OF CREDIT INSTITUTIONS AT STATE BANK BRANCH IN BAC GIANG PROVINCE
Major: Banking and Finance Code: 834.02.01
MASTER'S THESIS IN ECONOMICS
SCIENTIFIC INSTRUCTOR:
Prof. Dr. DINH VAN SON
Hanoi, 2021
COMMITMENT
This thesis is researched and conducted by myself. The information and data used in the thesis are fully cited, the analysis results in the thesis are honest. The thesis does not overlap with any scientific research topic.
Hanoi, date month year 2021
GRADUATE STUDENT
Nguyen Thu Trang
ACKNOWLEDGEMENTS
To complete this master's thesis, I would like to express my sincere and deepest gratitude to Professor Dinh Van Son, who has always wholeheartedly guided and helped me to complete my thesis in the best way.
I would like to sincerely thank the teachers of the Postgraduate Department - Hanoi University of Commerce, who have trained and provided me with extremely valuable knowledge during my time studying at the school.
I would like to thank the Branch Leaders and the Inspection and Supervision Department of the State Bank of Vietnam, Bac Giang Province Branch for creating favorable conditions to help me complete my thesis on time.
I would like to thank my family members, friends and colleagues for creating the best conditions for me to focus on researching the content of my thesis.
Due to limited time and limited professional knowledge, the thesis inevitably has certain shortcomings. I look forward to receiving comments from teachers, friends and colleagues to improve the thesis.
Thank you very much!
Hanoi, date month year 2021
GRADUATE STUDENT
Nguyen Thu Trang
INDEX
COMMITMENT i
ACKNOWLEDGEMENTS ii
TABLE OF CONTENTS iii
LIST OF ABBREVIATIONS vi
LIST OF FIGURES AND TABLES vii
INTRODUCTION 1
1. Urgency of the topic 1
2. Overview of research situation 2
3. Research purpose and tasks 4
4. Research object and scope 4
5. Research methods 5
6. Theoretical and practical significance 5
7. Structure of the thesis 6
CHAPTER 1: THEORETICAL BASIS AND PRACTICAL EXPERIENCE IN INSPECTION OF CREDIT INSTITUTIONS AT THE STATE BANK 7
1.1. Overview of the State Bank 7
1.1.1. Concept of State Bank 7
1.1.2. Functions of the State Bank 8
1.2. Credit institutions 11
1.2.1. Concept of Credit Institution 11
1.2.2. Characteristics of Credit Institutions 11
1.2.3. Classification of credit institutions 12
1.3. Bank Inspectorate 13
1.3.1. Concept, characteristics and forms of bank inspection 13
1.3.2. Purpose, objects and principles of banking inspection 17
1.3.3. Contents of bank inspection 18
1.3.4. Factors affecting bank inspection 22
1.3.5. Some indicators for evaluating banking inspection work 25
1.4. Experience in inspecting credit institutions of some branches of the State Bank and lessons learned for the State Bank branch in Bac Giang province 27
1.4.1. Experience in inspection activities of some branches of the State Bank 27
1.4.2. Lessons learned for the State Bank of Vietnam, Bac Giang Province Branch 28
CHAPTER 1 SUMMARY 30
CHAPTER 2: CURRENT STATE OF INSPECTION OF CREDIT INSTITUTIONS AT STATE BANK BRANCH IN BAC GIANG PROVINCE 31
2.1. Introduction to the State Bank of Vietnam, Bac Giang Province Branch 31
2.1.1. History of formation and development 31
2.1.2. Functions, duties and powers 31
2.1.3. Organizational structure 33
2.2. The situation of credit institution inspection work at the State Bank, Bac Giang province branch 35
2.2.1. On the legal basis for conducting inspections 35
2.2.2. About the inspection object 36
2.2.3. About the inspection staff 38
2.2.4. Inspection process of credit institutions at the State Bank of Vietnam, Bac Giang province branch 40
2.2.5. Inspection status of some specific banking activities 45
2.3. Assessment of the current status of credit institution inspection at the State Bank, Bac Giang province branch 55
2.3.1. Results achieved 55
2.3.2. Existence, limitations and causes 58
CHAPTER 3. SOLUTIONS TO IMPROVE THE INSPECTION ACTIVITIES OF CREDIT INSTITUTIONS AT THE STATE BANK, BAC GIANG PROVINCE BRANCH 63
3.1. Orientation to complete the inspection of credit institutions at the State Bank of Vietnam, Bac Giang province branch by 2025 63
3.1.1. Development orientation of banking industry in Bac Giang province to 2025 63
3.1.2. Orientation to improve the inspection of credit institutions in Bac Giang province 66
3.2. Some solutions to improve the inspection of credit institutions at the State Bank of Vietnam, Bac Giang province branch 67
3.2.1. Solutions to overcome shortcomings in plan completion level 67
3.2.2. Solutions to improve the level of detection and prevention of violations 67
3.2.3. Solutions to overcome the shortcomings in the frequency of inspection 78
3.2.4. Solutions to existing problems in handling and recommendations for handling existing problems and violations 79
3.2.5. Solutions to effectively organize the implementation of recommendations after inspection 79
3.3. Recommendation 80
3.3.1. For the State Bank of Vietnam 80
3.3.2. For the Government 81
CONCLUSION 82
LIST OF REFERENCES 83
LIST OF ABBREVIATIONS
Acronym
Full content | |
State Bank of Vietnam | State Bank of Vietnam |
State Bank branch Bac Giang province | State Bank of Vietnam, Bac Ninh Province Branch Giang |
Central Bank | Central Bank |
Commercial Bank | Commercial Bank |
Joint Stock Commercial Bank | Joint Stock Commercial Bank |
TCTD | Credit institutions |
TTGS | Inspection and supervision |
QLNN | State management |
QTDND | People's credit fund |
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