Interviewee
1. District level
District leader (Department of Industry and Trade)
Traffic specialist
2. Commune level
Commune leader (Commune chairman)
+ Thien Khe town
Number of samples 3
1
2
96
3
1
+ Thanh Phong 1 Commune
+ Thanh Nghi 1 Commune
Traffic specialist 3
+ Thien Khe Town 1
+ Thanh Phong 1 Commune
+ Thanh Nghi 1 Commune
Local People 90
+ Thien Khe Town 30
+ Thanh Phong Commune 30
+ Thanh Nghi Commune 30
Total 99
Source: Author's research and information collection, 2014
(b) Building a questionnaire
In order to study the management situation of the public transport system in Thanh Liem district, the research used a pre-designed questionnaire survey method. In order to suit the research purpose of the research, I have developed two forms for two main subjects as follows:
Commune-level traffic specialist: General information of the interviewee, some indicators showing the general situation of the commune such as: Total land area, total number of households/commune, ratio of rich and poor households in the commune, etc.; Current status of the rural transport system in the commune: Including what types of roads, number of kilometers of each type of road, technical standards of each type of road, etc. and how the management of the rural transport system in the commune has been implemented in the past.
Form for people: General information of the interviewed households, the situation of contributions to the construction of rural roads in the commune, how people participate in the management and supervision of the projects.
GTNT and people's assessment of the construction, exploitation, use and maintenance of the GTNT road system in the commune in recent times.
(c) Conduct interviews and group discussions
Questionnaire Interview: Topics using interview method
The structure with pre-built questionnaires is for the following subjects: Commune-level specialized officials and households. The method of constructing the questionnaire and the specific content of the questionnaire have been shown through the questionnaire construction section and the attached appendix.
Semi-structured interview: An important tool of PRA with a guided interview format and a few predetermined questions to collect representative, in-depth information about a certain field, however, the order and way of asking questions may depend on the context and characteristics of the interviewee.
The subjects of this interview method are district-level leaders (Heads of the District Department of Industry and Trade), and district-level officials in charge of traffic; commune-level leaders (Chairmen). The information interviewed is the general situation of the rural transport system in the district and commune, how has the management of the rural transport system been implemented in the past?
Focus group discussion method: A small group of people discussing an issue of common concern is called a focus group discussion. The discussion is guided by a series of key questions. The topic uses the discussion method for the target group of people, some village chiefs, ... to listen to their sharing about the level of contribution and their assessment of
Current status of rural transport projects, as well as rural transport infrastructure in recent times.
3.2.3 Data processing method
reviews about
management work
Available data: Classify, synthesize and compare to select information relevant to the research content of the topic.
New data (survey): After collecting survey data from households,
staff
we proceed
number
data using Excel program
Microsoft Office and SPSS software, along with other data processing tools.
3.2.4 Information analysis method
Data analysis is the final stage of the research process, it represents the results of the entire research process. Based on the collected documents, we synthesize and divide them into groups to facilitate the analysis and processing of data most realistically and effectively. Information analysis methods include: Statistical analysis method, comparative statistical method.
3.2.4.1 Descriptive statistical methods
Descriptive statistics is used to describe the basic characteristics of data collected from experimental research through different means. It studies quantitative variations in relation to qualitative aspects at specific time and place.
During this research, we conducted an investigation, built a form, a system of indicators, a system of interview questions, grouped, synthesized, and analyzed to see the level of research indicators on the current status of rural road management. With the main tools: Relative numbers, absolute numbers, average numbers, ... to see the current status of the rural road system in Thanh Liem district in the past time. Describe how the rural road management work is being carried out at each level? From there, describe the level of influence of factors on the management of the rural road system and propose solutions to strengthen the management of the rural road system in the coming time.
3.2.4.2 Comparative statistical method
The comparative method is the most common and basic method used in economic research. Comparison in analysis is to compare the achieved indicators of the research phenomenon over time, between research objects. In this topic, we compare research indicators related to the assessment of rural road system management over the years 2011 - 2013.
Specifically, the topic uses the method of comparing both absolute and relative numbers to compare indicators to see the fluctuations of rural transport infrastructure and capital sources over the years, reflecting and analyzing the current situation and reality of issues in the management of rural transport systems.
3.2.5 System of data analysis and processing indicators
In order to study the current status of rural road system management in Thanh Liem district, it is necessary to use qualitative and quantitative indicators:
a) Technical indicators:
Ratio of sugar types
Road ratio according to exploitation status
Sugar ratio according to the exploitation status of each type of sugar
Road surface coverage ratio
Road surface coverage ratio for each type of road
Road surface coverage ratio calculated separately for commune roads and village roads
b) Indicators reflecting investment capital sources:
Investment capital indicators for each type of road
Proportion of each type of capital in total investment capital for each type of road
Investment structure: Province District Commune
Capital ratio by investment form
Average growth rate of investment capital of each capital source.
c) Indicators reflecting people's participation
Amount of money (work) and contribution rate of GTNT construction fund
people
Percentage of people participating in contributing working days to build rural roads
Number of people (number of workers) participating annually in the repair and maintenance of rural roads
Number of people (number of days) participating in maintaining traffic safety and order
d) Indicators reflecting GTNT management
Percentage of communes (villages) with GTNT Management Board
Rate of reduction of traffic accidents in rural areas
PART IV
RESEARCH RESULTS AND DISCUSSION
4.1 Current status of rural road system management in Thanh Liem district
4.2.1 Current status of the district's rural road system
The rural traffic system of Thanh Liem district includes roads and
Railway, waterway. Main road traffic network of Thanh Liem district
mainly based on national highways 1A, 21A and waterways of Day River and Dong Nai River
Chau Giang is an important foreign route, convenient for accessing key economic zones of the northern provinces.
In early 2012, Thanh Liem district had 842.98 km of roads, of which rural roads had a total length of 680.04 km, accounting for 80.67% of the total road network length, including: District roads 73 km, accounting for 8.66%; Commune roads 163.82 km, accounting for 19.43%; Village roads 257.16 km, accounting for 37.82%; Production roads 186.06 km, accounting for 22.07% of the total road network length. Road surface structure includes cement concrete roads, asphalt roads, graded roads and dirt roads. Density
Road 0.04 km/km2 and 2.83 km/103 people. Cu Thanh Liem is shown in table 4.1.
wife
road condition
district
National highways and provincial roads are not part of the national transport network.
district, managed by the Ha Nam Department of Transport and the Road Management Department under the Ministry of Transport, with a total length of 162.94 km.
The rural road system of Thanh Liem district is distributed relatively reasonably, connected with national roads and provincial roads to form a complete, reasonable and smooth traffic network. Including vertical axes from East to West and horizontal axes from North to South, creating favorable conditions for traffic within the district, between Thanh Liem district and other districts of Ha Nam province and with neighboring districts and provinces, contributing to gradually eliminating the gap between rural and urban areas, meeting the rural traffic needs of road transport vehicles.
Table 4.1: Current status of rural traffic system in Thanh Liem district
Total
Road surface structure
Muscle
TT Type of bridge Projection Structure Projection Structure | Muscle sentence | Afternoon long | Muscle structure | Afternoon long | Muscle structure | ||||||||
(km) | (km) | (%) | (km) | (%) | (km) | (%) | (km) | (%) | (km) | (%) | |||
1 | Highway | 5.2 | 0.62 | 5.2 | 100.00 | ||||||||
2 | Provincial road | 157.74 | 18.71 | 157.74 | 100.00 | ||||||||
3 | GTNT | 680.04 | 80.67 | 354.8 | 52.17 | 46.79 | 6.88 | 85.4 | 12.56 | 0.0 | | 193.05 | 28.39 |
3.1 | District road | 73 | 8.66 | 33.25 | 45.55 | 27.62 | 37.84 | 12.13 | 16.62 | 0.0 | | 0.0 | |
3.2 | Commune road | 163.82 | 19.43 | 87.38 | 53.33 | 19.17 | 11.70 | 35.36 | 21.58 | 0.0 | | 21.91 | 13.37 |
3.3 | Village road | 257.16 | 37.82 | 231.2 | 89.90 | 0.0 | | 21.37 | 8.31 | 0.0 | | 4.59 | 1.78 |
3.4 | Production line | 186.06 | 22.07 | 2.97 | 1.59 | 0.0 | | 16.72 | 8.98 | 0.0 | | 166.37 | 89.51 |
Total | 842.98 | 100.00 | 354.8 | 42.09 | 209.73 | 24.88 | 85.4 | 10.13 | 0.0 | | 193.05 | 22.90 | |
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NHTMC Stock Analysis Indicator System -
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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Principles for Perfecting the FDI Economic Efficiency Indicator System in Vietnam -
Data Processing Results of Sample Using Short Fiber Type (Lf/df=63.63) -
Managing the rural traffic system in Thanh Liem district, Ha Nam province - Duong Van Hoi - 2
projection
BTXM BTN, asphalt pavement, crushed stone composite
Brick
Land
long
(%)
long
sentence
long
long
Source: Thanh Liem District Department of Industry and Trade
60
District roads: there are 14 routes, basically paved with asphalt and concrete, meeting the traffic needs of the people.
District roads play a role in connecting development centers, industrial zones, clusters or urban areas, new residential areas with district towns and external traffic systems. General technical standards of district roads are basically built according to road traffic standards.
with technical level IV and V; roadbed and surface width not
uniform; roadbed width from 3.5m - 9m and basic road surface reaches 2.5m - 7m, shown in table 4.2.

Image 4.1: Thanh Liem district road, Ha Nam province
61


![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 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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