MINISTRY OF EDUCATION AND TRAINING
THANG LONG UNIVERSITY
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GRADUATION THESIS
TOPIC:
INCREASING CAPITAL MOBILIZATION AT THE BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CAU GIAY BRANCH
STUDENT: DO THI THANH THAO STUDENT CODE: A18057
MAJORITY: FINANCE-BANKING
HANOI – 2014
MINISTRY OF EDUCATION AND TRAINING
THANG LONG UNIVERSITY
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GRADUATION THESIS
TOPIC:
INCREASING CAPITAL MOBILIZATION AT THE BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CAU GIAY BRANCH
Instructor: Associate Professor, Dr. Tran Dang Kham Student: Do Thi Thanh Thao
Student code: A18057
Major: Finance - Banking
HANOI - 2014
ACKNOWLEDGEMENTS
With deep respect and gratitude, I would like to express my most sincere thanks to Associate Professor - Dr. Tran Dang Kham, who directly guided and imparted valuable experiences to help me complete this graduation thesis.
At the same time, I would like to thank the teachers in the Department of Economics - Thang Long University for imparting me a lot of useful knowledge to carry out my thesis as well as having a solid foundation for my future career.
Finally, I would like to thank my family, friends, and all the staff at the Cau Giay Branch of the Bank for Agriculture and Rural Development for their care, help, and encouragement over the past time.
Although I have tried my best, due to time and my own research ability is limited, the thesis cannot mention all aspects of the problem and cannot avoid shortcomings. I respectfully hope to receive guidance and comments from teachers and friends to complete the thesis and make it more practical.
Thank you very much!
COMMITMENT
I hereby certify that this Graduation Thesis is my own work with the support of my supervisor and does not copy the research works of others. The secondary information data used in the Thesis is clearly sourced and cited.
I take full responsibility for this statement!
Student
Do Thi Thanh Thao
INDEX
INTRODUCTION
CHAPTER 1. BASIC ISSUES ON CAPITAL MOBILIZATION ACTIVITIES OF COMMERCIAL BANKS 1
1.1. General overview of Commercial Banks 1
1.1.1. Concept and characteristics of Commercial Bank 1
1.1.1.1. Concept of Commercial Bank 1
1.1.1.2. Characteristics of Commercial Banks 2
1.1.2. Basic activities of Commercial Banks 6
1.1.2.1. Capital mobilization activities 6
1.1.2.2. Capital use activities 7
1.1.2.3. Providing other financial services 8
1.2. Capital mobilization activities of Commercial Banks 9
1.2.1. Capital sources of commercial banks 9
1.2.1.1. Equity 9
1.2.1.2. Debt capital 10
1.2.1.3. Other capital 11
1.2.2. Capital mobilization methods of commercial banks 11
1.2.2.1. Classification based on time 12
1.2.2.2 Classification based on mobilization objects 12
1.2.2.3. Classification by nature of capital mobilization operations 13
1.2.3. Evaluation of capital mobilization activities of commercial banks 15
1.2.3.1. The necessity of evaluating capital mobilization activities of commercial banks 15
1.2.3.2. Indicators for evaluating capital mobilization activities of commercial banks 16
1.3. Factors affecting capital mobilization activities of commercial banks 17
1.3.1. Subjective factors 18
1.3.2. Objective factors 19
CHAPTER 2. CURRENT STATUS OF CAPITAL MOBILIZATION ACTIVITIES
AGRIBANK CAU GIAY BRANCH 22
2.1. General overview of Agribank Cau Giay Branch 22
2.1.1. Brief development process of Agribank Cau Giay Branch 22
2.1.2. Organizational structure - personnel of Agribank Cau Giay Branch 23
2.1.3. Main business activities of Agribank Cau Giay Branch 28
2.1.4. Main business results of Agribank Cau Giay Branch in the period 2010 - 2012 29
2.1.4.1 Capital mobilization activities 29
2.1.4.2. Lending and investment activities 31
2.1.4.3. Providing other financial services 35
2.2. Current status of capital mobilization activities at Agribank Cau Giay Branch 37
2.2.1. Current capital situation at Agribank Cau Giay Branch 37
2.2.2. Current capital mobilization status of Agribank Cau Giay Branch 39
2.2.2.1. Current status of capital mobilization by subject 40
2.2.2.2. Current status of capital mobilization over time 44
2.2.2.3. Current status of capital mobilization by currency 49
2.3. Assessment of the current capital mobilization activities of Agribank Branch
Cau Giay 52
2.3.1. Results achieved 52
2.3.2. Limitations and causes 54
2.3.2.1. Limitations 54
2.3.2.2. Causes of limitations in capital mobilization activities of Agribank Cau Giay Branch 55
CHAPTER 3. SOLUTIONS TO INCREASE CAPITAL MOBILIZATION AT AGRIBANK CAU GIAY BRANCH 58
3.1. Orientation to increase capital mobilization of Agribank Cau Giay Branch 58
3.1.1. General development orientation of Agribank Cau Giay Branch 58
3.1.2. Viewpoints on increasing capital mobilization of Agribank Branch
Cau Giay 59
3.2. Solutions to increase capital mobilization at Agribank Cau Giay Branch 60
3.2.1. Develop a clear capital mobilization plan for each stage 60
3.2.2. Diversify forms of mobilization 60
3.2.2.1. For capital mobilization from the population 60
3.2.2.2. For capital mobilization from enterprises, economic organizations and institutions
social function 64
3.2.2.3. For capital mobilization from banks and other credit institutions 64
3.2.3. Develop a reasonable interest rate management policy combined with a preferential service fee policy 65
3.2.4. Improving the quality of banking services and technology 65
3.2.5. Develop customer policies and promotional communications 66
3.2.6. Develop and promote Marketing activities 67
3.2.7. Innovate organization and management to be more suitable and effective 68
3.2.8. Development and expansion of trading network 69
3.2.9. Continue to improve professional skills for employees 69
3.2.10. Improving the quality of capital mobilization 70
3.3. Some recommendations 71
3.3.1. Recommendations to the government 72
3.3.2. Recommendations for the State Bank 73
3.3.3. Recommendations for the Bank for Agriculture and Rural Development
Vietnam 74
CONCLUSION 76
LIST OF ABBREVIATIONS
Abbreviation Full Name
CBCNV Staff and employees
State Bank of Vietnam
NHNo&PTNT Bank for Agriculture and Rural Development Commercial Bank Commercial Bank
TCTC Financial Institution
Credit institutions
SPDV Products and services
VND Vietnamese Dong