In addition to organizing information collection according to statistical reporting regime, since 2003, the General Statistics Office in coordination with the General Department of Tourism has organized a number of specialized surveys on tourism such as Survey on expenditure of international tourists to Vietnam, Survey on expenditure of domestic tourists in Vietnam, Survey on tourist accommodation establishments... The documents collected from specialized surveys have partly met the requirements for research information and calculation of a number of key indicators in the tourism satellite account.
In addition, the Vietnamese statistical sector has implemented the compilation of the National Accounts System nationwide since 1993. This is an important premise for Vietnam Statistics to approach research on Tourism Satellite Accounts.
2.2.2 Difficulties
Besides the advantages that have been created as a premise for compiling a tourism satellite account in Vietnam, there are still some difficulties in terms of information sources, staff, and the organization of the compilation of a tourism satellite account:
- About the source of information for compiling the tourism satellite account
The characteristic of tourism activities is that they are not activities of an independent economic sector but are the integration of many activities from many different economic sectors. Compared with the 2007 Vietnam economic sector classification system issued together with Decision No. 10/2007/QD TTg dated January 23, 2007 of the Prime Minister, Vietnam's tourism activities are related to the following economic sectors:
+ Level II industry No. 47 – Retail activities (except for automobiles, motors, and motorbikes with different engines) belongs to level I industry group G.
+ Level II industry No. 49 - Railway and road transport activities and No. 50 - water transport and No. 51 - air transport belong to level I industry group H
+ Level II industry number 55 - Accommodation service activities and number 56 - Food and beverage services belong to level I industry group I.
+ Level II industry No. 79 – Activities of travel agencies, tour businesses and support services related to promoting and organizing tours belong to level I industry group N.
+ Level II industry number 93 - Sports and entertainment activities belong to level I industry group R.
+ Level II industry number 96 – Other personal service activities belonging to level I industry group S.
Because it involves so many sectors, tourism statistics generally face many difficulties. Vietnam's tourism statistics currently mainly focus on collecting data reflecting an overview of business performance and conditions of tourism business activities, including a general summary of activities of all sectors. Thus, if we only stop at collecting tourism statistics as it is now, there will be the following limitations:
+ The annual tourism performance results cannot be fully calculated to assess the position and role of tourism in the national economy. This is because the related sectors cannot separate the supply for tourism activities, so the contribution of each economic sector to the tourism performance results cannot be fully calculated, which sector occupies a larger position and contributes more to tourism activities.
+ There is not enough data to accurately calculate the aggregate indicators in the national accounts system such as production value, intermediate costs, added value... by industry as well as aggregate in the scope of the entire national economy, which means that there may be both omissions and double counting.
In addition, due to some concepts, methodologies and methods of calculating tourism statistical indicators that are not yet understood in a unified manner and are not in accordance with international practices, tourism statistical data collected and calculated are
Sometimes there are also certain differences, which somewhat reduce the significance of the statistics.
Current reporting and statistical investigation regimes do not yet meet the information requirements for the full calculation of tables according to the tourism satellite account proposed by UNWTO.
- About the staff doing statistical work
The number of researchers and staff who are knowledgeable about the tourism satellite account is still small, so the compilation of the Vietnam Tourism Satellite Account is still difficult. In addition, the team doing tourism statistics is also too small, not commensurate with the tasks and requirements of providing information for the Tourism Satellite Account.
- About implementation
There is no close coordination between sectors and functional agencies in providing relevant information for compiling tourism satellite accounts in Vietnam.
2.3 Sources of information for compiling tourism satellite accounts in Vietnam
2.3.1 Current status and system of collecting tourism statistics in Vietnam.
2.3.1.1 System of legal documents on tourism statistics
Vietnam tourism statistics are currently carried out based on the following legal documents:
- The Periodic Statistical Reporting Regime for Commerce, Hotels, Restaurants, Travel and Services is issued under the Accounting and Statistics Ordinance (Decision No. 734/2002/QD-TCTK dated November 15, 2002 of the General Director of the General Statistics Office).
- The regime of periodic statistical reports of State-owned enterprises is issued according to Decision No. 62/2003/BKH of the Minister of Planning and Investment.
- Law on Statistics promulgated by the President on June 26, 2003
- Law on Tourism promulgated by the President on June 27, 2005
- Decree No. 40/2004/ND-CP dated February 13, 2004 of the Government detailing and guiding the implementation of a number of articles of the Law on Statistics.
- Decision 305/2005/QD-TTg dated November 24, 2005 of the Prime Minister on promulgating the National Statistical Indicator System.
- Decision No. 144/208/QD-TTg dated October 29, 2008 of the Prime Minister on promulgating the National Statistical Survey Program (including 1 survey specializing in tourist indicators and 1 survey on business results of non-state enterprises and individual units doing business in commerce, hotels, restaurants, tourism, and services).
- Decision No. 43/2010/QD-TTg dated June 2, 2010 of the Prime Minister promulgating the National Statistical Indicator System replacing the National Statistical Indicator System promulgated in 2005.
2.3.1.2 Tourism statistical indicators system in the National statistical indicators system
The tourism statistical indicators system is stipulated in the National Statistical Indicators System issued under Decision No. 43/2010/QD-TTg dated June 2, 2010 of the Prime Minister, including 7 indicators. Compared to the national statistical indicators system issued in 2005, this tourism statistical indicators system has added 1 indicator, which is Tourism Service Revenue.
Some basic regulations on 7 tourism statistical indicators in the national statistical indicator system are presented in table 2.6 below.
Table 2.6 Tourism statistical indicators system in the National statistical indicators system
CODE
GROUP, INDICATOR NAME | MAIN GROUPING | Period ANNOUNCEMENT | AGENCY RESPONSIBLE FOR COLLECTION FIT | INDICATORS IN THE QGTTK SYSTEM ACTION 2005 | ||
1808 | Tourism service revenue | Economic sector (agencies, tours and support services), province/city | Month, quarter, year | General Statistics | lump | Are not |
1809 | Number of foreigners coming to Vietnam. | Purpose, nationality, means. | Month, quarter, year | Ministry of Public Security, Ministry of National Defense distribution room in accordance with TCTK | Have | |
1810 | Number of Vietnamese people going abroad. | Vehicle | Month, quarter, year | Ministry of Public Security, Ministry of National Defense in coordination with General Statistics Office. | Have | |
1811 | Number of domestic tourists | Type of accommodation, destination province/city. | Month, quarter, year | General Statistics | lump | Have |
1812 | Spending of international visitors to Vietnam. | Spending type, nationality | Year | General Statistics | lump | Have |
1813 | Domestic tourist spending. | Type of expenditure, type of accommodation. | Year | General statistics | lump | Have |
1814 | Existing and newly increased capacity of accommodation establishments. | Economic type, class/type of facility, province/city. | Year | General Statistics. | lump | Have |
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![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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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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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
zt2a3ge
zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Analysis of Current Status of Tourism Activities in Phong Dien District -
Current Status of State Management Activities for Tourism Enterprises in Hanoi -
Current Status of Exploiting Tran Temple Festival, Thai Binh to Serve Tourism Development.
With the above 7 indicators plus the statistical indicators developed by the General Department of Tourism to serve the management requirements of the Industry as well as many other requirements from a general statistical perspective, if Vietnam Statistics collects and synthesizes fully and is divided in detail as prescribed in the National Statistical Indicator System, it will ensure a very important part of information serving the establishment of tables in the Tourism Satellite Account as proposed in the thesis. However, in reality, the data of the above indicators is still lacking, mainly there is only data on indicators reflecting the number of international tourists coming to Vietnam, the number of Vietnamese tourists going abroad, the number of domestic tourists in Vietnam, and the tourism service revenue indicator. The new revenue indicator is divided according to the revenue of accommodation establishments and travel agencies. However, the indicators on the number of visitors have not been divided according to the nature of the guests' stay (overnight visitors and day visitors). As for the indicators on spending levels of international tourists (1812) and domestic tourists (1813), they have not yet been calculated to be published in the annual statistical data system.
In addition to the tourism statistical indicators in the National Statistical Indicator System mentioned above, recently, the General Department of Tourism (the agency that manages and operates tourism activities) has conducted research to collect additional information and calculated a number of statistical indicators on tourism activities such as average spending per day, average spending per visitor, average number of days of stay per visitor. These indicators are calculated in detail for each type of visitor. These indicators are the basis for determining the total consumption of visitors as well as calculating the consumption structure according to the content of expenditure as a premise for calculating the indicators in the tourism satellite account. However, this is still in the pilot phase, not done regularly and the data is patchy, not comprehensive and not systematic.
2.3.1.3 System for organizing the collection of tourism statistics
Basically, the work of organizing the collection of tourism statistics is currently carried out by two statistical organization systems:
* Centralized statistics
- Central level: The collection of tourism statistics is the responsibility of the tourism statistics department under the Department of Trade, Services and Prices of the General Statistics Office.
- Provincial and municipal level: Tourism statistics are handled by the statistics department of the Department of Trade, Services and Prices Statistics - Provincial and municipal statistical offices.
* Ministry and industry statistics
- Central level: Managed by the Tourism Statistics Department of the Department of Planning and Finance, General Department of Tourism.
- Provincial and municipal level: Depending on the organization of each locality, the tourism statistics department may belong to the general department, accounting department, tourism management department, planning department of the Department of Tourism, Department of Trade and Tourism of provinces and cities.
About the information collection function at each level:
- Central level:
+ Research, develop and promulgate a system of indicators on tourism statistics.
+ Disseminate and provide guidance on statistical operations to tourism business units and data synthesis agencies at the provincial level.
+ Monitor, inspect and urge the implementation of tourism statistical reporting regime nationwide.
+ Organize statistical surveys on tourism within and outside the National Statistical Survey Program.
+ Collect, synthesize and publish tourism statistics of the whole country.
- Provincial and city level:
+ Receive professional guidance on statistics from the Central level, disseminate and guide statistical techniques to grassroots units operating in tourism business.
+ Monitor, inspect and urge the implementation of tourism statistical reporting regime in the province and city.
+ Conduct tourism statistical surveys within and outside the National Statistical Survey Program at the provincial and municipal level.
+ Collect, synthesize data, implement statistical reporting regime for the Central level, publish tourism statistics of the Province and City.
2.3.1.4 Forms of organization for collecting tourism statistics
To collect and report information on tourism activities, Vietnam currently applies two traditional forms of information collection: Periodic statistical reporting and specialized surveys, including both comprehensive surveys and sample surveys.
- Periodic statistical reports
This is a traditional method of collecting statistical information that has been applied for a long time in our country. Currently, the periodic statistical reporting regime is still applied to economic establishments that are tourism businesses and tourist accommodation establishments. With the form of organizing information collection according to periodic statistical reports, the information collected is often updated regularly every month, quarter, and year. The main indicators are collected systematically, comprehensively and quite fully. This is an important source of information reflecting tourism activities. However, with this form, the number of collected indicators is still very limited, mainly volume indicators and can only be applied to a number of large enterprises and state management agencies. However, applying it to the non-state economic sector, small scale and especially private households is very difficult to implement and ineffective. Furthermore, periodic reports are only applicable to tourism service providers, not to tourists.
Indicators collected from periodic statistical reports include:
+ Number of international visitors to Vietnam