LESSON 13: MASSAGE 7 BODY AREAS AND TREATMENT OF RELATED DISEASES
1. Massage the head, face and neck area:
The best position for the patient is supine, with the physician sitting behind the patient's head.
1.1. Facial massage
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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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 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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Present the Causes, Epidemiology, Clinical Symptoms, Treatment and Prevention of Japanese Encephalitis. -
Explain and encourage patients and their families to transfer to a higher level facility early for diagnosis and treatment. Do not say clearly that this is cancer. -
Applying technical processes for care, feeding, disease prevention and treatment for breeding sows and piglets at Hoa Phat Livestock Company Limited, Long Son Commune, Son Dong District, Bac Giang Province - 2 -
Identify Rating Levels and Rating Scales
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zt2a3gstourism,quan lan,quang ninh,ecology,ecotourism,minh chau,van don,geography,geographical basis,tourism development,science
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of the islanders. Therefore, this indicator will be divided into two sub-indicators:
a1. Natural tourism attractiveness a2. Cultural tourism attractiveness
b. Tourist capacity
The two island communes in Quan Lan have different capacities to receive tourists. Minh Chau Commune is home to many standard hotels and resorts, attracting high-income domestic and international tourists. Meanwhile, Quan Lan Commune has many motels mainly built and operated by local people, so the scale and quality are not high, and will be suitable for ordinary tourists such as students.
c. Time of exploitation of Quan Lan Island Commune:
Quan Lan tourism is seasonal due to weather and climate conditions and festivals only take place on certain days of the year, specifically in spring. In Quan Lan commune, the period from April to June and from September to November is considered the best time to visit Quan Lan because the cultural tourism activities are mainly associated with festivals taking place during this time.
Minh Chau island commune:
Tourism exploitation time is all year round, because this is a place with a number of tourist attractions with diverse ecosystems such as Bai Tu Long National Park Research Center, Tram forest, Turtle Laying Beach, so besides coming to the beach for tourism and vacation in the summer, Minh Chau will attract research groups to come for tourism combined with research at other times of the year.
d. Sustainability
The sustainability of ecotourism sites in Quan Lan and Minh Chau communes depends on the sensitivity of the ecosystems to climate changes.
landscape. In general, these tourist destinations have a fairly high level of sustainability, because they are natural ecosystems, planned and protected. However, if a large number of tourists gather at certain times, it can exceed the carrying capacity and affect the sustainability of the environment (polluted beaches, damaged trees, animals moving away from their habitats, etc.), then the sustainability of the above ecosystems (natural ecosystems, human ecosystems) will also be affected and become less sustainable.
e. Location and accessibility
Both island communes have ports to take tourists to visit from Van Don wharf:
- Quan Lan – Van Don traffic route:
Phuc Thinh – Viet Anh high-speed boat and Quang Minh high-speed boat, depart at 8am and 2pm from Van Don to Quan Lan, and at 7am and 1pm from Quan Lan to Van Don. There are also wooden boats departing at 7am and 1pm.
- Van Don - Minh Chau traffic route:
Chung Huong high-speed train, Minh Chau train, morning 7:30 and afternoon 13:30 from Van Don to Minh Chau, morning 6:30 and afternoon 13:00 from Minh Chau to Van Don.
f. Infrastructure
Despite receiving investment attention, the issue of infrastructure and technical facilities for tourism on Quan Lan Island is still an issue that needs to be resolved because it has a direct impact on the implementation of ecotourism activities. The minimum conditions for serving tourists such as accommodation, electricity, water, communication, especially medical services, and security work need to be given top priority. Ecotourism spots in Minh Chau commune are assessed to have better infrastructure and technical facilities for tourism because there are quite complete and synchronous conditions for serving tourists, meeting many needs of domestic and foreign tourists.
3.2.1.4. Determine assessment levels and assessment scales
Corresponding to the levels of each criterion, the index is the score of those levels in the order of 4, 3, 2, 1 decreasing according to the standard of each level: very attractive (4), attractive (3), average (2), less attractive (1).
3.2.1.5. Determining the coefficients of the criteria
For the assessment of DLST in the two communes of Quan Lan and Minh Chau islands, the students added evaluation coefficients to show the importance of the criteria and indicators as follows:
Coefficient 3 with criteria: Attractiveness, Exploitation time. These are the 2 most important criteria for attracting tourists to tourism in general and eco-tourism in particular, so they have the highest coefficient.
Coefficient 2 with criteria: Capacity, Infrastructure, Location and accessibility . Because the assessment area is an island commune of Van Don district, the above criteria are selected by the author with appropriate coefficients at the average level.
Coefficient 1 with criteria: Sustainability. Quan Lan has natural and human-made ecotourism sites, with high biodiversity and little impact from local human factors. Most of the ecotourism sites are still wild, so they are highly sustainable.
3.2.1.6. Results of DLST assessment on Quan Lan island
a. Assessment of the potential for natural tourism development
For Minh Chau commune:
+ Natural tourism attractiveness is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined as average (2 points) and the coefficient is quite important (coefficient 2), then the score of Capacity criterion is 2 x 2 = 4.
+ Exploitation time is long (4 points), the most important coefficient (coefficient 3) so the score of the Exploitation time criterion is 4 x 3 = 12.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is assessed as good (3 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 3 x 2 = 6 points.
The total score for evaluating DLST in Minh Chau commune according to 6 evaluation criteria is determined as: 12 + 4 + 12 + 4 + 4 + 6 = 42 points
Similar assessment for Quan Lan commune, we have the following table:
Table 3.3: Assessment of the potential for natural ecotourism development in Quan Lan and Minh Chau communes
Attractiveness of self-tourismof course
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
CommuneMinh Chau
12
12
4
8
12
12
4
4
4
8
6
8
42/52
Quan CommuneLan
6
12
6
8
9
12
4
4
4
8
4
8
33/52
b. Assessment of the potential for humanistic tourism development
For Quan Lan commune:
+ The attractiveness of human tourism is determined to be very attractive (4 points) and the most important coefficient (coefficient 3), so the score of the Attractiveness criterion is 4 x 3 = 12.
+ Capacity is determined to be large (3 points) and the coefficient is quite important (coefficient 2), then the score of the Capacity criterion is 3 x 2 = 6.
+ Mining time is average (3 points), the most important coefficient (coefficient 3) so the score of the Mining time criterion is 3 x 3 = 9.
+ Sustainability is determined as sustainable (4 points), the important coefficient is the average coefficient (coefficient 1), so the score of the Sustainability criterion is 4 x 1 = 4 points.
+ Location and accessibility are determined to be quite favorable (2 points), the coefficient is quite important (coefficient 2), the criterion score is 2 x 2 = 4 points.
+ Infrastructure is rated as average (2 points), the coefficient is quite important (coefficient 2), then the score of the Infrastructure criterion is 2 x 2 = 4 points.
The total score for evaluating DLST in Quan Lan commune according to 6 evaluation criteria is determined as: 12 + 6 + 6 + 4 + 4 + 4 = 36 points.
Similar assessment with Minh Chau commune we have the following table:
Table 3.4: Assessment of the potential for developing humanistic eco-tourism in Quan Lan and Minh Chau communes
Attractiveness of human tourismliterature
Capacity
Mining time
Sustainability
Location and accessibility
Infrastructure
Result
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Point
DarkMulti
Quan CommuneLan
12
12
6
8
9
12
4
4
4
8
4
8
39/52
Minh CommuneChau
6
12
4
8
12
12
4
4
4
8
6
8
36/52
Basically, both Minh Chau and Quan Lan localities have quite favorable conditions for developing ecotourism. However, Quan Lan commune has more advantages to develop ecotourism in a humanistic direction, because this is an area with many famous historical relics such as Quan Lan Communal House, Quan Lan Pagoda, Temple worshiping the hero Tran Khanh Du, ... along with local festivals held annually such as the wind praying ceremony (March 15), Quan Lan festival (June 10-19); due to its location near the port and long exploitation time, the beaches in Quan Lan commune (especially Quan Lan beach) are no longer hygienic and clean to ensure the needs of tourists coming to relax and swim; this is also an area with many beautiful landscapes such as Got Beo wind pass, Ong Phong head, Voi Voi cave, but the ability to access these places is still very limited (dirt hill road, lots of gravel and rocks), especially during rainy and windy times; In addition, other natural resources such as mangrove forests and sea worms have not been really exploited for tourism purposes and ecotourism development. On the contrary, Minh Chau commune has more advantages in developing ecotourism in the direction of natural tourism, this is an area with diverse ecosystems such as at Rua De Beach, Bai Tu Long National Park Conservation Center...; Minh Chau beach is highly appreciated for its natural beauty and cleanliness, ranked in the top ten most beautiful beaches in Vietnam; Minh Chau commune is also home to Tram forest with a large area and a purity of up to 90%, suitable for building bridges through the forest (a very effective type of natural ecotourism currently applied by many countries) for tourists to sightsee, as well as for the purpose of studying and researching.
Figure 3.1: Thenmala Forest Bridge (India) Source: https://www.thenmalaecotourism.com/(August 21, 2019)
3.2.2. Using SWOT matrix to evaluate Quan Lan island tourism
General assessment of current tourism activities of Quan Lan island is shown through the following SWOT matrix:
Table 3.5: SWOT matrix evaluating tourism activities on Quan Lan island
Internal agent
Strengths- There is a lot of potential for tourism development, especially natural ecotourism and humanistic ecotourism.- The unskilled labor force is relatively abundant.- resource environmentunpolluted, still
Weaknesses- Poorly developed infrastructure, especially traffic routes to tourist destinations on the island.- The team of professional staff is still weak.- Tourism products in general
quite wild, originalintact
general and DLST in particularalone is monotonous.
External agents
Opportunity- Tourism is a key industry in the socio-economic development strategy of the province and Van Don economic zone.- Quan Lan was selected as a pilot area for eco-tourism development within the framework of the green growth project between Quang Ninh province and the Japanese organization JICA.- The flow of tourists and especially ecotourism in the world tends toincreasing
Challenge- Weather and climate change abnormally.- Competition in tourism products is increasingly fierce, especially with other localities in the province such as Ha Long, Mong Cai...- Awareness of tourists, especially domestic tourists, about ecotourism and nature conservation is not high.
Through summary analysis using SWOT matrix we see that:
To exploit strengths and take advantage of opportunities, it is necessary to:
- Diversify products and service types (build more tourism routes aimed at specific needs of tourists: experiential tourism immersed in nature, spiritual cultural tourism...)
- Effective exploitation of resources and differentiated products (natural resources and human resources)
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1.1.1. Forehead massage:
- Massage the face : Place both hands close to the chin of the person being massaged, pull the hands straight up to the temples, then use the fingertips to massage the temples, then place the fingers on the forehead and pull the hands towards the head.

- Forehead massage: Place two fingers parallel to the forehead, pull the hand towards the temple and massage the temple acupoint. The technique is done in a fan shape.
- Massage forehead: use 1-2 fingers to massage all over forehead.
- Find the pain point and press the pain point: pay attention to the good or bad effect.
- Press and acupressure points: Acupressure point, Temple, Indang, Yangbai….
1.1.2. Massage the Eye area:
- Massage the eye area: Use the index and middle fingers of both hands to place on the inside of the eyebrow arch, rub in a circular motion from the inside to the outside of the eyebrow, down past the cheekbones and then into the nose, up inside the nose to the forehead, inside the eyebrow.
- Acupressure along the eyebrow arch: use your fingers to press the acupressure points along the eyebrow arch from the inside out.
- Knead the eyebrows: Use your thumb and fingertips, knead from one eyebrow to the other.
- Rub the curve of the eyebrows: Use the thumb above and the index finger below the eyebrows, use and pull the index finger towards the tail of the eye to rub the curve of the eyebrows, keeping the thumb in place.
- Stroke the eyeball: use 2 fingers, finger 2 on the upper eyelid, finger 3 on the lower eyelid, stroke from inside to outside. within the tolerance of the eye.
- Eyelid massage : use 1 finger to massage the upper and lower eyelids from inside to outside.
- Press and massage the acupoints around the eyes: Tinh minh, Ngu yeu, Ty truc khong, An duong, Toan truc, Thua khap, ...
1.1.3. Massage the Cheek area:
- Cheek massage: Use your fingertips to massage your cheeks in circular motions from the bottom up to the chin, then up to the cheeks on both sides.
- Massage cheeks: Use fingertips to massage from chin to ear in 3 lines: lower lip, upper lip, 2 sides from nose to ear.
- Squeeze the cheek muscles: Place your hand close to your cheek and squeeze the cheek muscles from the chin to the ear along 3 lines: lower lip, upper lip, 2 sides from the nose to the ear.
- Knead the cheek muscles: Press both hands close to the cheeks and knead the cheek muscles from the chin to the ears in 3 directions: lower lip, upper lip, 2 sides from the nose to the ears.
- Cheek massage: Use the thumb and little finger of your hand to massage your cheeks.
- Cheek vibration: Place both hands close to the cheeks and vibrate the cheek muscles at a fast frequency.
- Find the pain point and press the pain point.
- Press and massage acupoints: Earth Merchant, Human Middle Point, Prime Minister, Yingxiang, Power, Armor, Lower Officer….
1.2.Head area
- Press the hair roots: Use your fingertips to perform the spring-shaped pressing technique.
- Comb your hair: use your fingers to comb your hair, straight and horizontally, while combing, gently pull the hair roots.
- Pat the head : use the tips of your fingers to pat around the head, in two opposite directions, pat twice.
- Head knock : use the finger chopping technique: clasp both hands together and impact the head area.
- Squeeze the head : use the thumb on one side and the remaining fingers on the other side to squeeze, squeeze the head from bottom to top with both hands.
- Find the painful point (acupoint) and massage the painful point : depending on whether the painful point is acupoint or acupoint, massage appropriately.
- Press and massage acupoints: Dau Duy, Bach Hoi, Phong Phu, Phong Tri. Tu Than Thong, Thai Duong, E Phong. Use appropriate acupoints depending on the location.
- Vibration: Hold your head with both hands and perform the vibration technique at a fast frequency.
1.3. Massage the neck area while lying on your back
- Press the Phong Tri acupoint, use the tips of your fingers to rub in circles with moderate pressure to stimulate the acupoint.
- Squeeze the trapezius and sternocleidomastoid muscles from the head down to the shoulder.
- Squeeze the nape of each neck side then squeeze both sides evenly.
- Shoulder stroke: use your thumb to stroke from neck to shoulder.
- Muscle vibration: Use your hands to press against the neck muscles and vibrate from the shoulders towards the nape of the neck.
1.4. Indications: Prevention and treatment of head, face, neck and nape diseases
- Nervous:
o Pain of the V, VII nerves
o Pain in nerve roots and nerves, muscle plexus, facial paralysis
- Muscle: Muscle atrophy, contraction of muscles in the head, face and neck area.
- Blood vessels, circulatory insufficiency in the neck and brain, high blood pressure
- Headache due to weather, work or external factors
- Insomnia
- Dizziness, heaviness, headache due to internal injury or .
1.5. Contraindications :
High fever, cancer, tuberculosis of the cervical spine.
Local infections in the maxillofacial region.
1.6. Head and neck diseases:
Head disease: Massage the head area to add:
- Pain in the front half of the forehead, press Baihui, Yintang, and Neiting points.
- Pain in the neck and back of the head, press Baihui, Fengchi, Kunlun, and Houxi points.
- Pain in the temporal region, half of the head press the temples, foot lin khap, wind pond, and bai hui.
- For headache, press Baihui, Sishentong, and Taichong points.
- Headache with chills, mild fever, body aches, stuffy nose, press Hop Coc, Phong Tri, and Uy Trung points.
- If accompanied by dizziness, bitter mouth, pain on both sides of the ribs, press Qimen, Tuc Lam Khap, Thai Xung.
- If you have intermittent headaches, severe headaches when thinking, fatigue, laziness to talk, and fear of activity, press Quan Nguyen, Khi Hai, and Thai Bach.
- If accompanied by bloating, heartburn, nausea, press Zhongguan, Zusanli, and Fenglong.
- If accompanied by dizziness, vertigo, tinnitus, back pain, difficulty sleeping, anxiety, palpitations, press Can du, Tuc tam ly, Thieu hai, Nei quan.
Peripheral VII nerve palsy: mainly massage the facial area on the paralyzed side, pay attention to restoring movement of the paralyzed facial muscles using acupressure points on the facial area on the paralyzed side and combining movements.
Head and neck dysfunction:
Allergic rhinitis: facial massage combined with nasal massage:
- Use your index and middle fingers to massage the bridge of your nose from bottom to top and from top to bottom.
- Place your index finger on the junction between the bone and cartilage on the bridge of the nose: press.
- Massage the Yingxiang point 10 times.
- Use your index and middle fingers to rub the base of the other nostril.
- Bend and stroke the tip of the nose back and forth 5-10 times.
- Right hand thumb rubs from the forehead towards the hairline 9-12 times until the skin in that area turns red.
- Next, press the Phong Tri, Khuc Tri, and Hop Coc acupoints.
Insomnia: Massage the head and neck area to increase the effect.
- Gently press the acupoints of Yintang, Taiyang, Fengchi, Shenmen, and Anmien.
- If accompanied by back pain, spermatorrhea, impotence, cold limbs, press the Kidney Travel, Mingmen, and Guanyuan points.
- If you are irritable, forgetful, dizzy, have tinnitus, press Thai xung and Am lang tuyền.
- If you have poor appetite, pale skin, and are very tired, press Gongsun, Zusanli, and Xuehai points.
Flu: Massage the head and neck area: to improve headaches, back pain, body aches...
- wind-cold , the technique should be soft, slow, penetrating the skin, to warm up, dispel wind-cold : Rub the head, neck and nape of the neck combined with stroking the spine from top to bottom and from bottom to top. If stuffy nose, runny nose : add more massage of Yin Tang, Ying Xiang to clear the nose.
- If you have a cold with wind heat , the procedure needs to be quick and strong to quickly achieve the effect of inducing sweating and reducing fever; if you have a high fever , acupuncture at Hegu and Quchi points to reduce fever.
Do the above movements 15-20 times each. Press and massage the acupoints for 1-2 minutes.
2. Massage the neck area
Posture of the person being massaged: Sit on a chair with both hands across the chest, lean on the chair to relax the chest muscles, trapezius muscles, shoulder and neck muscles.
Massage therapist's position: Stand behind the patient to perform the technique.
.
Operation technique:
- Shoulder massage : Place both hands close to the neck, move over the shoulders, palms up from the neck to the shoulders. Can massage with talcum powder or lubricant.
- Rub: Use your fingertips to rub from the shoulder blade up to the neck and along both sides of the spine.
- Muscle massage: Use your hands to massage the muscles, trapezius muscle, deltoid muscle, sternocleidomastoid muscle, and muscles around the cervical spine.
- Knead the muscles: Use both hands to pinch the muscles up and knead the large muscles such as the trapezius, deltoid, and sternocleidomastoid muscles.
- Massage muscles: Use the base of your hand to massage the muscles on your shoulder, using gentle, light movements.
- Roll : the triangle area of Phong Tri, Dai Chuy, Kien Tinh.
- Press the most painful point: find and press the painful point, pay attention to the degree of pressure or pressure, and press from light to heavy as appropriate.
- Acupressure points: Phong phu, Phe du, Doc du. Phong tri, Dai chuy, Kien tinh,...
- Neck joint movement: neck rotation, neck tilt, neck extension, combination of movements...
- Shoulder massage: massage the Fengchi point, massage the neck, massage the shoulders, and play with the shoulders.
- Muscle massage: Use both hands to massage the little finger and thumb from the shoulder area to the nape of the neck and vice versa.
- Muscle vibration: Use your hand to press against the neck and vibrate at high frequency from the neck to the shoulders on both sides.
Indication : prevention and treatment of neck and shoulder diseases.
- Neurological pain in the nerves, nerve roots of the cervical plexus.
- Muscle pain , muscle spasms in the neck area, especially the sternocleidomastoid, trapezius, deltoid and other muscles around the neck.
- Other spinal diseases such as: Spinal degeneration, rheumatoid arthritis of the cervical spine.
- Shoulder joint: Periarthritis of the shoulder.
- Neck pain due to cold, due to posture.
Contraindications :
- Skin and muscle infections of the shoulder, neck and shoulder area.
- Cervical lymphadenitis, lymphadenopathy.
- Lymphosarcoma, hogkin's disease.
- Bone tuberculosis, spinal cancer and general contraindications as presented in previous sections.
Often used in neck pain caused by posture or cold: massage the neck area and press the Phong tri, Kien tinh, Kien ngung, a thi acupoints combined with bat, doc du,
3. Back massage
Position of the person being massaged : Lie on your stomach, place both hands along your body, breathe evenly and relax.
Massage therapist position: Standing and massaging or sitting next to the patient.
Massage techniques
- Rub the back: Press both hands close from the neck, move over the shoulder, through the deltoid muscle, put the circle around the shoulder bone, pull the arm straight down to the sacrum, circle the arm over the pelvis, then swing the hand up towards the back. Create a circle back to the neck.
- Hand-to-hand movement on the body: Both hands are pressed close to the skin of the person being massaged when performing the technique of 2 hands perpendicular to each other moving on the back.
- Massage: Use the fingertips of both hands to massage:
Massage the muscles on both sides of the spine : use your fingertips to press firmly on the patient's skin and move along the spine.
Massage the muscles on both sides of the pelvis : use your fingertips to press firmly on the patient's skin and on both sides of the pelvis.
Rub the muscles on both sides of the rib cage : use your finger prints to press firmly on the patient's skin and move on both sides of the rib cage.
Muscle massage: Use your hands to massage the patient's back muscles.
Kneading the muscles: Two hands grasp the muscles and twist them diagonally along the length of the back muscles.
.
Punch tight: hold the hand loosely, use the edge of both hands to form the little finger to perform the punching technique on the back muscles.
Muscle rolling: Clasp both hands, interlace thumbs when performing the palm-down technique, shake wrists and roll upper muscles from the buttocks to the neck on the back muscles or roll using the knuckles: 3,4,5 moving on the back.
Muscle sliding (pinching the muscles next to the spine): Use two thumbs and fingertips to perform the technique by pinching the skin and sliding the muscles horizontally and vertically on the back area.
Muscle stroking: The hand is pressed close to the skin of the person being massaged, stroking from the neck and shoulders down to the buttocks, can be stroked straight, horizontally or in a zigzag pattern.
Find the pain points in the back and spine: massage from light to heavy according to the position or good position.
Press the following acupoints : Dai Chui, Dai Tru, Phe Du, Cach Du, and Than Du. Ming Men, Heart Du, Cach Du, Liver Du, Gallbladder Du, Spleen Du, Stomach Du, Kidney Du, Large Intestine Du, Small Intestine Du, and Bladder Du.
Muscle vibration : Press your hand against your back and vibrate the muscles from the neck and shoulders down to the waist.
.
Muscle massage: Use the edges of both hands, the little finger and little finger side, to rub in opposite directions along the back muscles from the buttocks to the neck and vice versa.
Arch your spine 3 times: use 1 hand to reach down to the 2 knees, and 1 hand to the waist, move the hand on the knee up and down several times.
Smack the Mingmen three times: cup your hands together and slightly bend them and slap the Mingmen three times.
Lateral spinal twist: The patient lies on his side. The doctor stands behind the patient, one hand on the shoulder and one hand on the anterior superior iliac spine, moving suddenly in the front-back direction. Switch sides.
Buttocks area : Massage the muscles: Use the fingertips of both hands to massage the muscles of the buttocks area.
o Muscle massage: Use both hands to massage the muscles of the buttocks.
o Kneading muscles: Use both hands to cross the buttocks muscles.
o Muscle vibration: Use both hands to press against the muscle and vibrate at a fast frequency.
Note when massaging the back and buttocks area :
Depending on time, you can do each movement 5-15 times.
Implement correct technical procedures for each area
When performing the procedure, the doctor should stand and be comfortable.
Always ask the person being massaged about the intensity of the movements to adjust the technique.
Indications :
People with back pain, muscle contraction.
People with increased back muscle tone
Spinal pain leads to back pain
Pain in nerve roots or nerves causes muscle atrophy.
Scoliosis
Fatigue due to work, travel, exercise.
Back pain is caused by various causes related to muscles, joints, ligaments, or internal organs; Nervous breakdown (intestinal disease, gastroduodenal syndrome, genital and urinary diseases...) often causes pain at the corresponding acupoints.
Contraindications :
Acute infections of the skin, joints and back.
Tumors, bone tuberculosis, bone cancer, joints in the back area.
High fever.
Blood disease, bleeding disorder, etc.
Back diseases: back pain: Back massage combined with back arching and twisting movements.
Press the attachment points at the head and tail of the contracted muscle segment (relax the muscle).
Squeezing the tendons: if the patient is in too much pain to lie prone, use your thumb to squeeze a nerve branch that goes from the neck to the shoulder in the supraclavicular fossa. Squeeze 1-2 times, then massage this point for 1 minute. Next, squeeze the tendons in the painful spine area and then massage the place where the tendon was squeezed for 1 minute. After that, the patient will be able to bend or squat easily.
If you still feel tension in the gluteal muscles when bending over; let the person lie on their stomach, squeeze the tendons at the 1/3 outer and 2/3 inner iliac crests, then massage for one minute.
Finally twist your back .
4. Upper limb massage
The patient sits , the doctor stands behind the patient on the side of the massage scale.
Either the patient lies down , the doctor sits or stands next to the arm that needs massage.
Massage the entire upper limb: One hand of the doctor holds the hand of the person being massaged. The other hand uses the doctor's fingertips to press against the hand and the fingertips being massaged move from the palm straight up the inside of the forearm to the elbow, wrap the hand around the elbow to the triceps muscle group of the arm and then pull the hand back. The hand presses against the
Fingers from the back of the hand straight up to the elbow joint, fingers around, hand hugs the biceps muscle then pull the hand back. Alternate like that.
Finger Massage :
Massage the finger joints . Use the doctor's fingertips to rub and massage from the tip to the base of the patient's finger.
Finger massage: Use two fingers to massage and massage the fingers.
Finger rotation: use 2 fingers placed on the knuckles and move in 2 opposite directions.
Play: 2 hands hold fingers and move in opposite directions
Finger joint movement: (rotation, extension, adduction, flexion, extension, stretching) of fingers.
o Finger rotation: use fingers 1 and 2 of the left hand to hold the metacarpal of the finger that needs to be rotated, fingers 1 and 2 of the right hand to hold the tip of the finger that needs to be rotated, then rotate clockwise and counterclockwise.
o Finger extension: use the patient's 3rd finger as a reference, move the fingers from near the 3rd finger away to extend the fingers.
o Close the fingers: use the patient's 3rd finger as a reference, bring the fingers from the distance closer to the 3rd finger to close the fingers.
o Finger flexion: The fingers further away from position 0 are flexed, meaning the fingers are bent towards the palm.
o Finger extension: The closer the fingers are to position 0, the more extended they are, meaning the fingers are straight out towards the back of the hand.
o Finger stretching: use 2 fingers of the doctor to clamp the patient's finger in the middle, pull strongly along the finger, you can hear a clicking sound.
Hand Massage :
Palm:
o Palm rub: Place the person being massaged's hand between the therapist's two hands: and rub the palms.
o Palm press: Use two thumbs to press the palm of your hand alternately.
o Palm massage: Use the doctor's thumb and little finger to massage the palm.
o Rub the palm bones : Use 2 thumbs to rub the palm bones alternately.
Back of hand:
o Rub the back of the hand: Place the person being massaged's hand between the therapist's two hands: and rub the back of the hand.
o Rub the interstices of the palm : Use your thumb to rub the interstices of the palm bones alternately.

![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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