The methods for training and developing teaching skills for 5-6 year old preschool children are different for preschool teachers.
Table 2.11 shows that preschool teachers have exploited and used VLTN in the forms of organizing puzzle lessons to develop children's cognitive skills in parallel with the forms of organizing extracurricular activities ( puzzle activities combined with playing in class, puzzle activities during free time at school, puzzle activities combined with outdoor activities, puzzle activities in comprehensive art activities ). The level of frequent use of VLTN in Puzzle Lessons according to Models , ranked number 1 (Average score 2.43). In fact, Puzzle Lessons according to Models is the hour of "creating shapes according to direct perceptual symbols", the rate of preschool teachers choosing to use this lesson to develop children's cognitive skills is higher than other lessons, showing that 59.3% use it regularly , 24% use it occasionally and 16.7% use it rarely .
Ms. Nguyen Thi Mai L (Le Thanh Nghi Kindergarten) added: "In the process of using VLTN to organize model-based assembling lessons, we also regularly focus on training children's assembling skills. Training children's assembling skills is carried out at all steps in the structure of the lesson, from guiding children to assembling; guiding children to create shapes with VLTN; children creating shapes and finally displaying and commenting on and evaluating children's assembling products from VLTN."
The survey results also show that the training of children's knowledge of military skills is rarely carried out by preschool teachers in the form of organizing Matching Lessons according to self-selected topics. The percentage of preschool teachers choosing to use this form of organizing teaching activities is the lowest (lowest average score is 1.56). According to teachers, using natural materials in teaching activities requires difficult shaping techniques and complex tools, so it is necessary to have guidance and modeling from teachers. In teaching activities using natural materials without teachers modeling, children will have difficulty performing the task of military skills and shaping.
Teacher Tran Thi O (Hoa Sen Kindergarten) added: “When using VLTN to organize CG activities to develop children's creative skills, if the teacher does not directly model, the children will encounter many difficulties. Most children are still confused when exposed to VLTN, their creative skills are limited, so they have not fully discovered the aesthetic characteristics of VLTN. Moreover, the technique of creating shapes with VLTN is also difficult for children, so they need teachers to guide and model. Therefore, we often choose the form of organizing lessons using VLTN according to models or given topics to practice creative skills and creative techniques for children."
It can be seen that GVMN has paid much attention to organizing forms of activities using natural materials to train and develop the ability to think for 5-6 year old preschool children, shown in the viewpoints and methods in which they have organized activities for children, but their choices are not uniform, often emotional, imposed according to personal thoughts, one-sided and not based on valid scientific grounds.
d/ Implement methods of using VLTN in organizing HĐCG to develop knowledge and skills for 5-6 year old preschool children
S TT | Methods | Implementation level (n=150) | Average | Rank | |||||
Frequent | Sometimes | Little progress onion | |||||||
SL | TL (%) | SL | TL (%) | SL | TL (%) | ||||
1 | Visual presentation method | 120 | 80.0 | 28 | 18.7 | 2 | 1.3 | 2.79 | 1 |
2 | Practical and experiential methods | 78 | 52.0 | 56 | 37.3 | 16 | 10.7 | 2.41 | 3 |
3 | Verbal method | 97 | 64.7 | 45 | 30.0 | 8 | 5.3 | 2.59 | 2 |
4 | Other methods | 0 | 0 | 8 | 5.3 | 0 | 0 | 0.11 | 4 |
Average score | 1.98 | ||||||||
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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 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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Current Status of Teaching Capacity of Teachers at District-Level Vocational Education Centers in Cao Bang Province

Table 2.12. Current status of preschool teachers implementing methods of using VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children
Note: Low level: 1.00 ≤ GPA <1.93; Average level: 1.93 ≤ GPA <2.37; High level 2.37 ≤ GPA ≤ 3.00.
With the average score of 1.98, it shows that the implementation of methods of using VLTN in organizing HĐCG to develop knowledge and skills for 5-6 year old preschool children is performed at an average level by preschool teachers.
The level of implementation of VLTN methods in organizing activities to develop knowledge and skills for 5-6 year old preschool children by preschool teachers is also different, in which the visual presentation method (average score of 2.79) is frequently applied by preschool teachers with a rate of 80%, ranked number 1, the verbal method is chosen at number 2 (average score of 2.59), the experiential practice method has an average score of 2.41 ranked number 3.
Some teachers (5.3%) also occasionally apply other methods such as thinking stimulation methods and project-based learning methods, but not often and the usage rate is not high.
To clarify the above data, when analyzing lesson plans, teaching plans, QS, observing classes, and directly interviewing preschool teachers, we found that: Most preschool teachers when organizing activities using natural materials for children often pay much attention to the technique of creating images from natural materials. The methods they often apply are visual presentation methods and verbal methods, associated with suggesting or guiding operations in the process of using natural materials to create composite products.
The method of practical experience helps children identify QS tasks, actions, and QS methods by combining the use of senses to find new characteristics of VLTN, providing symbolic capital for the creative process in the CG activity that has not been given due attention by preschool teachers.
Explaining this, teacher Le My H (Thanh Binh kindergarten) said: "Because the time for a jigsaw lesson for 5-6 year old preschoolers is limited to 30-35 minutes, jigsaw lessons using VLTN often have many complex shaping techniques, so our number 1 priority in these lessons is to focus time on supporting and guiding children's shaping techniques, so we often model and explain how to choose suitable VLTN and shaping techniques with VLTN."
Discussing further with teacher Nguyen Thi H (Le Thanh Nghi kindergarten), we found that the two main methods she regularly applies are : Visual presentation method and Verbal method . The reason given by teacher Nguyen Thi H is: "These methods are very necessary for class time to help children easily perform the task of piecing together, the remaining methods (practice, experience) help expand children's understanding and QS ability, but require a lot of space, time and financial and human conditions to implement".
The above survey results show us that, in the process of implementing methods of using VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children, the preschool teachers in the survey used a combination of methods but many times they were not really suitable, not focusing on the orientation of developing aspects of knowledge and skills for children. The explanations they gave were not really reasonable, this could come from many reasons but a very basic reason is that the awareness of preschool teachers about using VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children was not really complete, the purpose of organizing lessons using VLTN was not aimed at the task of developing knowledge and skills for children in a suitable way.
e/ Apply measures to use VLTN in organizing HĐCG to develop knowledge and skills for 5-6 year old preschool children
In order to effectively train and develop the ability to use natural materials for preschool children aged 5-6 in the teaching activities using natural materials, it is necessary to develop scientific and reasonable measures. The results of the survey on the current situation of preschool teachers in the survey area applied measures to use natural materials in the teaching activities to develop the ability to use natural materials for preschool children aged 5-6.
– 6 years old is shown in table 2.13.
Table 2.13. Current status of preschool teachers applying measures to use VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children
S TT
Measures | Application level (n=150) | Average | Rank | ||||||
Frequent | Sometimes | Less applicable | |||||||
SL | TL (%) | SL | TL (%) | SL | TL (%) | ||||
1 | Exploiting rich and diverse sources of natural resources to build an educational environment for HĐCG to stimulate interest and needs. child QS request; | 90 | 60.0 | 29 | 19.3 | 31 | 20.7 | 2.39 | 3 |
2 | Create problematic situations during the organization of HDCG Using VLTN helps children identify QS purposes and tasks; | 78 | 52.0 | 32 | 21.3 | 40 | 26.7 | 2.25 | 6 |
3 | Guide children to master the process QS in HĐCG using VLTN; | 78 | 52.0 | 69 | 46.0 | 3 | 2 | 2.40 | 2 |
4 | Organize for children to experience diverse QS tasks in the forms of organization of HDCG used. rich source of VLTN; | 77 | 51.3 | 37 | 24.7 | 36 | 24.0 | 2.27 | 5 |
5 | Organize youth to practice using QS methods appropriate to each subject in HDCG uses VLTN; | 78 | 52.0 | 56 | 37.3 | 16 | 10.7 | 2.41 | 1 |
6 | Guide and give children hands-on experience in detecting and describing QS results. in the process of organizing HĐCG using VLTN; | 57 | 38.0 | 69 | 46.0 | 24 | 16.0 | 2.22 | 7 |
7 | Guide and give children practice in how to effectively evaluate QS during the organization process. HDCG uses VLTN. | 74 | 49.3 | 72 | 48 | 4 | 6.7 | 2.35 | 4 |
Average score | 2.33 | ||||||||
Note: Low level: 1.00 ≤ GPA <2.00; Average level: 2.00 ≤ GPA <2.41; High level: 2.41 ≤ GPA≤ 3.00.
With the average score of 2.33, it shows that the measures to use VLTN in organizing teaching activities to develop children's knowledge of natural sciences are applied at an average level by teachers in the surveyed preschools . These measures are carried out at different levels, in which the measure with the most frequent application rate by preschool teachers is Organizing children to practice experiences using appropriate teaching methods for each subject in teaching activities using VLTN (ranked 1st with an average score of 2.41); Guiding children to master the teaching process in teaching activities using VLTN is ranked 2nd with an average score of 2.40). This proves that preschool teachers have understood when organizing for
When children use VLTN in teaching activities to develop their knowledge of quality, measures to let children experience using QS methods and help them master the QS process during the organization of teaching activities using VLTN play a very important role in helping children collect the most accurate and complete information about the QS object, thereby forming a rich symbolic and figurative capital for children's creative activities of piecing together products from VLTN.
Ms. Tran Thi O (Hoa Sen Kindergarten) shared: " When participating in the activities using natural materials, many children have not yet determined which sense to use to contact and examine the characteristics and properties of natural materials or assembled products. They often look around aimlessly or do not know where to start or where to use the appropriate sense to examine the object and how to examine it. If the kindergarten teachers do not guide and model specifically, these children will not be able to discover the aesthetic characteristics of natural materials to build creative ideas later. Therefore, I and other kindergarten teachers often have to guide and model very carefully for these children. Gradually, when examining and coming into contact with natural materials or models and assembled products, these children will also grasp the process of examining and using appropriate senses to examine the characteristics of the object."
The survey results also showed that the measure of guiding and letting children practice and experience how to detect and describe the results of QS in the process of organizing activities using VLTN was not considered important and given due attention by teachers, ranking 7th in the ranking (average score 2.22).
Ms. Hoang Thi H (Nhi Chau Kindergarten) said: "The number of children in each class is very large, so when organizing the activities using VLTN, we only focus on covering the children's creative tasks without much time for them to describe the results of the QS or give analysis and comments on the QS object. Most of our teachers limit the use of this method, we only use this method at the beginning of the class when children QS samples or at the end of the class when displaying, commenting and evaluating products and it can only be applied to 1 or 2 children".
Talking with some teachers, we found that the measure of exploiting rich and diverse natural resources to create an educational environment for the activities to stimulate children's interest and need to observe is also an attractive measure chosen by many teachers, ranked 3rd (average score is 2.39), but in reality, when implementing this measure, they encounter many difficulties. The main reason is that teachers in the city find it difficult to collect natural resources. Moreover, collecting, preserving and using natural resources requires a lot of effort and investment of time and effort from teachers. To have a diverse amount of natural resources to create an educational environment for the activities to suit educational topics, teachers must invest a lot of effort in searching, collecting and preserving.
Ms. Dang Kim O (Hoa Su Kindergarten) added: “When organizing a lesson on “Making a fish from water fern”, our teachers had to ask relatives to find water fern stalks shaped like a fish in the countryside where there are ponds and rivers, carefully preserving them without crushing them so as to keep the freshness of the water fern for decoration, creating an environment for children to practice and create shapes. This requires teachers to put in a lot of effort, sometimes it is a great feat, so we are very reluctant to implement this measure.”
The measures that the surveyed teachers are using in the process of organizing activities using natural materials to develop scientific knowledge for 5-6 year old preschool children are not really effective. Teachers have not been able to exploit these measures flexibly and thoroughly. There are still many limitations that need to be overcome and they are not feasible.
From the survey results assessing the status of using VLTN in organizing activities to develop children's knowledge and skills of preschool teachers, we found that: Most preschool teachers have identified the goals, implemented some contents, implemented forms, methods and measures to use VLTN in the process of organizing activities to develop knowledge and skills for 5-6 year old preschool children, but the level of identifying and implementing the goals and contents is not complete and implementing forms, methods and measures is still limited and inconsistent, so the educational effectiveness still has many shortcomings and limitations that need to be overcome. This is the basis for us to propose and test some measures to use VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children in preschools.
2.2.2.2. Analysis of teacher's work products
Table 2.14. Statistics of the operating products analyzed during the survey
Topic
GV products | Quantity | Children's products | Quantity | |
1. Family | Plan for organizing patchwork lessons - Decorate postcards for relatives from VLTN and colored paper (according to given themes). - Create themed paintings from leaves and cotton, fabric, newspaper... (Topic of your choice) | 7 5 | - Postcards made from natural materials and colored paper. - Family themed paintings from leaves and objects other materials | 35 67 |
Outdoor activity planning - Collect and classify leaves from the school garden to use as creative materials; - Build a house with VLTN (According to the model). | 6 6 | - Leaves - House made of VLTN | 23 | |
Plan for organizing fun activities - Game: Arrange and paste leaves to create a themed picture (According to the given topic) - Arrange the letters learned from VLTN (According to the model) | 12 12 | - Leaf collage - Letter model arranged from VLTN | 37 52 | |
2. Job | Plan for organizing patchwork lessons - Making tools for various trades from scrap and natural materials (According to model); - Decorate the teacher's outfit with flowers and leaves (Topic given). | 6 6 | - Tools for various trades made from VLTN - Ao dai model decorated with flowers and leaves. | 46 36 |
Outdoor activity planning - Create labor tools from natural materials (According to given topic). | 8 | - Labor tools from VLTN | 42 | |
Plan for organizing fun activities - Game: Look at pictures of ceramics; - Observe the costumes of the professions. | 5 7 |
Studying the educational content in the HĐCG program using VLTN for 5-6 year old preschool children in the documents: GDMN Program [6]; Guidelines for organizing and implementing the Preschool education program for 5-6 year old preschool children [73], we found that the documents clearly and fully define the objectives as well as the educational and development content of HĐCG using VLTN towards training children's creative skills, the content of training children's creative skills has not been separated as an element in the structure of the program, lacking specific suggestions for preschool teachers to implement. However, the current GDDMN program is a framework program, only providing general guidelines and suggestions, preschool education facilities are completely proactive in choosing the objectives and content to implement for preschool teachers to implement educational plans suitable for children, suitable for the practical conditions of their locality, school, and preschool class.
Observing, analyzing plans and lesson plans (Table 2.14) and directly interviewing 20 teachers of 12 schools in the survey, we can draw the following conclusions:
- The purpose of using VLTN in organizing HĐCG is to develop children's military skills.
+ Help children express their attitudes, feelings and use their own suggestive words to describe colors, shapes, layouts... in their creative works, stimulate children's interest and enthusiasm in observing natural materials and objects described in the activities shown in 35 activities organization plans of preschool teachers (accounting for 44%);
+ Select and combine raw materials, construction materials, and scrap to create products shown in 57 construction planning documents (accounting for 71%);
+ Coordinate many shaping skills to create products with balanced colors, sizes, shapes, lines and layouts; Comment on shaping products in terms of color, shape, lines and layouts... shown in 72 plans for organizing creative activities (accounting for 90%).
Thus, the plans of GVMN do not clearly show the goal of developing children's creative thinking skills; There is no goal of forming in children the ability to actively search and choose appropriate creative thinking methods to improve the effectiveness of creative thinking activities and awareness in the process of searching for suitable creative materials to create composite products.
- Content of using VLTN in organizing HĐCG to develop KNQS
+ Exploiting the typical aesthetic aspects from local natural resources applied to the activities, thereby developing children's knowledge and skills with familiar topics such as: Making tools for different professions from scrap and natural materials; Decorating teachers' costumes from flowers and leaves; Building a house with natural materials... shown in 50 plans (accounting for 63%);
+ Using VLTN and other creative materials to express the content of the topic such as: Decorating postcards for relatives from VLTN and colored paper; Creating themed paintings from leaves and cotton, fabric, newspaper... expressed in 30 plans (accounting for 37%);
+ Using VLTN creates many opportunities and contexts to help children orient their goals and determine their tasks in extracurricular activities using VLTN with the content: collecting leaves, playing with leaves, making tools for different occupations from VLTN, ceramic pictures, occupations... shown in 49 plans (accounting for 61.2%);
+ Exploiting the beauty of VLTN forms the ability to select and coordinate QS methods suitable for the QS object to collect information about the described object, learn and select shaping materials, shown in 37 plans (accounting for 46.2%).
Thus, the teachers have developed content using natural materials combined with other creative materials for children to create composite products during the organization of activities, thereby training children's creative thinking skills. However, the content of using natural materials in organizing activities is still monotonous, not really attractive, not fully exploiting the rich local natural resources (mainly using natural materials of plant origin) and using natural materials as the main teaching tool to help children acquire creative thinking techniques, foster and consolidate creative thinking skills for children.
- Forms of using VLTN in organizing HĐCG to develop children's military skills
+ The matching lesson is used by teachers for all children in the class to perform a common QS task under direct guidance from the teacher. In which, the matching lesson according to a given topic and the matching lesson according to a model are chosen by 63 teachers (79%), the matching lesson according to a self-selected topic is chosen by 17 teachers (21%);
+ Using forms of organizing extracurricular activities such as: extracurricular activities combined with outdoor activities and extracurricular activities combined with play activities, for groups (5-7 children) to perform small, simple QS tasks associated with specific, simple descriptive objects, increasing opportunities for children to QS and apply their QS skills freely, used by 71 preschool teachers (89%).
Thus, preschool teachers have conducted various forms of organizing teaching activities using natural materials to develop children's knowledge of natural resources. However, children's knowledge activities are often organized very quickly by teachers. Preschool teachers have not paid attention to linking the training of children's knowledge of natural resources to this form of organizing teaching activities. The effectiveness of applying knowledge results to children's knowledge activities is still limited.
- Methods and measures for using VLTN in organizing HĐCG to develop children's military skills
The methods and measures of using VLTN in organizing activities to develop knowledge and skills for 5-6 year old preschool children that preschool teachers apply are relatively diverse and rich, suitable for the process of organizing activities.
+ Coordinate the methods of using VLTN in organizing HĐCG to develop children's knowledge and skills such as: verbal method; experiential practice method; visual illustration method; exemplary method, evaluation shown in all 80 plans (100%).
+ In addition, measures such as: Decorating the classroom environment with creative materials to stimulate children's imagination; Giving children natural objects and familiar phenomena in the school yard and garden; Organizing practice observing natural materials and creative products during class hours... are also used by 100% of preschool teachers.
However, the process of implementing and applying methods and measures by teachers is still formalistic and superficial, not maximizing the effectiveness of the methods to develop children's creative thinking skills; The measure of creating an environment with natural materials and composite products from natural materials to stimulate children's creative thinking has not been exploited and utilized to the fullest by teachers. The arrangement of space and decoration of the classroom environment is still messy between the types of creative materials, not creating attraction and attraction for children's creative thinking skills; Teachers have not created many situations in the process of exploiting the aesthetic characteristics of natural materials to create composite products to develop children's creative thinking skills.




![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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