CHAPTER 1: OVERVIEW OF DOCUMENTS
1.1. Overview of lemon trees
1.1.1. Origin
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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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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 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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15th-18th century architectural materials in the Kinh Thien Hoang Palace area of Thang Long citadel through excavation documents in 2017-2019 - 16 -
Study on the relationship between local people's livelihoods and conservation activities in Van Long wetland nature reserve, Ninh Binh province - 11 -
Managing the training activities for primary school managers of the Department of Education and Training of Ha Long city, Quang Ninh province according to the orientation of innovation in general education programs - 17
Lemon ( Citrus aurantifolia Swingle), lemon originated in Indonesia and Malaysia. The Arabs brought lemon trees to North Africa and Southwest Asia and then to the Mediterranean. By the mid-13th century, lemon trees were grown in Italy and France.
Seedless lemon ( Citrus latifolia Tanaka) is a hybrid of paper lemon ( C. aurantifolia Swingle) and lemon ( C. medica ). According to some reports, seedless lemon has a triploid genome despite having only 18 sets of chromosomes. Seedless lemon was grown in the Mediterranean region under the name "Sakhesli". It was then brought to Brazil by Portuguese traders and from there to Australia in 1824. Seedless lemon trees came to California from Tahiti between 1850 ÷ 1880 and were brought to Florida in 1883 (Morton, 1987). In southern Vietnam, seedless lemons are widely grown and popular in the Mekong Delta provinces, bringing high economic efficiency, not only for domestic consumption but also for export (Ho Cao Viet, 2016).
1.1.2. Classification position
Lemon trees belong to the Rutaceae family, Sapindales order, Citrus genus. There are two types of lemon trees grown today: paper lemon (Vietnamese lemon) and seedless lemon (hybrid lemon). The scientific name of paper lemon is C. aurantifolia Swingle , and the English name is Lime. The scientific name of seedless lemon is C. latifolia Tanaka. The classification of paper lemon is as follows:
Kingdom: Plantae Order: Sapindales
Family: Rutaceae Genus: Citrus
Species: Citrus aurantifolia.
The classification position of seedless lemons is as follows: Kingdom: Plantae
Order: Sapindales Family: Rutaceae
Genus: Citrus
Species: Citrus latifolia
1.1.3. Plant characteristics
Paper lime has been grown in our country for a long time, it is a shrub, about 5 m high. The tree trunk rarely grows straight but spreads many branches from near the base, the trunk has many sharp thorns. The leaves are oval, about 2.5 ÷ 9.0 cm long, looking like orange leaves. The lime flowers are about 2.5 cm in diameter, white to yellow, with light purple veins. The tree flowers and bears fruit all year round but bears the most fruit from May to September. The fruit ripens 5 to 6 months after the flowers bloom. The fruit has a thin skin, is juicy, aromatic, sour and has many seeds (Figure 1.1 A).
A
B
Figure 1.1. Paper lime ( C. aurantifolia Swingle) and seedless lime ( C.
latifolia Tanaka)
(A: paper lemon tree; B: seedless lemon tree)
(Source: Center for Research and Development of Seedlings, Agricultural Academy
Vietnam)
Seedless lemon is a hybrid between paper lemon and lemon, widely grown in the world. In Vietnam, seedless lemon is imported from California (USA). The tree grows up to 6 m high, the trunk has no thorns, the canopy is round, the fruit is in clusters, the fruit is large, 6 ÷ 7 fruits/kg, seedless, thin skin, bright green, juicy, less sour, aromatic and not bitter like paper lemon, so it is favored by many people and has high export value. The tree bears fruit all year round, can yield 150 ÷ 200 kg/year/tree (Figure 1.1 B).
1.1.4. Lemon production situation in Long An
In the South, lemon trees are mainly grown in the Mekong Delta (accounting for nearly 60% of the total lemon area in the country). There are 2 lemon crops per year, in the off-season (dry season) the price of lemons increases from 35 ÷ 45% compared to the main crop (rainy season). After 18 ÷ 20 months of planting, lemons begin to be harvested, with the first crop yield reaching about 15 ÷ 20 tons/ha. In the second and third years, the yield increases to 25 ÷ 35 tons/ha (some gardens reach 40 tons/ha), with an average profit of 150 ÷ 300 million VND/ha. On average, each lemon tree bears 1,000 fruits/year, about 70 ÷ 100 kg/tree/year. Seedless lemons have large fruits, 6 ÷ 7 fruits/kg. The growth cycle of seedless lemons can be over 10 years.
In recent years, lemon trees have been one of the key crops in the crop restructuring program of Long An province. The province has the largest lemon acreage in the Mekong Delta region (30% of the total lemon acreage in the region). The province's lemon acreage has continuously increased in recent years (Figure 1.2). In 2018, the total lemon acreage in the province was 9,438 hectares, reaching 94.4% of the plan (10,000 hectares), equal to 105.8% over the same period in 2017. Of which, 7,374 hectares of lemons bore fruit, concentrated in the districts of Ben Luc, Thu Thua, Thanh Hoa, Duc Hue and Duc Hoa.
According to the Department of Agriculture and Rural Development of Long An, the province has set a target of increasing the area of lemon trees to 11,000 hectares by 2020. Developing specialized agricultural production areas in the direction of collective economic development, production according to VietGAP and GlobalGAP to help farmers have stable output, bringing lemon products to domestic and foreign markets. In particular, Ben Luc is one of the five largest lemon growing districts in the province, mainly seedless lemons, currently with 5,470 hectares of lemon growing land, an increase of 752 hectares compared to the end of 2017, with a total output of 77,344 tons. Since the end of 2011, Ben Luc district has built an exclusive brand of Ben Luc lemons.

Figure 1.2. Lemon area chart of Long An province from 2014 ÷ 2020. (Source: Compiled from sources of Long An Provincial People's Committee, 2014, 2016, 2020)
To achieve the set plan, the agriculture and rural development sector, Long An has strengthened trade promotion activities, built brands, managed product quality and improved collective economic efficiency; formed good agricultural production processes, value chain models, supplied safe lemon products, contributing to building a comprehensive and sustainable agricultural development. Vietnamese fresh lemon products have been present in the markets of many countries in Asia, the Middle East and especially the European Community (EU), raising the country's lemon export turnover to over 3 billion USD. Of which, Long An contributed about 0.5 million USD (Ho Cao Viet, 2016).
However, in the face of great opportunities, the lemon industry in Long An province as well as the whole country is and will face many challenges in traceability, product quality management according to import market standards, quarantine barriers for some types of diseases on lemons, etc. Therefore, ensuring food safety and hygiene, controlling diseases well and meeting export principles are conditions for Vietnamese agricultural products to reach out to the world.
1.2. Overview of bacterial canker on lemon trees
1.2.1. History and distribution
According to Fawcett and Jenkins (1933), the oldest lesions found on citrus trees ( C. medica collected from India in 1827 ÷ 1831 and C. aurantifolia from Indonesia in 1842 ÷ 1844) were kept in the Herbaria of the Royal Botanic Gardens at Kew, England. Therefore, canker may have first appeared and originated in tropical areas of Asia, such as South China, Indonesia and India, the origin of citrus.
In 1912, in Florida, USA, canker was first noticed, causing serious damage and spreading throughout Florida on seedlings imported from Japan. In 1933, the disease was eliminated through strict inspection and thorough removal of diseased plants. In 1986, the disease reappeared and broke out into an epidemic in Manatee, Florida, south of the Gulf (Stall and Civerolo, 1991). The pathogen then spread widely throughout Asia and then to South Africa (Doidge, 1916), Oceania, South America (Rossetti, 1977) and Australia, (Garnsey et al., 1979). In Iran, bacterial canker was first reported on Mexican lemons, Kahnouj area, Kerman province ( Alizadeh and Rahimian, 1990 ). In Kouli-koro, Mali (West Africa), the incidence of canker on lemons was 50% (Traore et al., 2008). Bacterial canker has been reported in most citrus growing countries in the world (Sharma and Sharma, 2009) (Figure 1.3).

Figure 1.3. Distribution map of bacterial canker disease on citrus trees
X. axonopodis pv. citri
(Source: Cabi.org)
In Vietnam, canker disease on citrus trees was first reported by Whittle (1992). The causative bacteria is X. campestris pv. citri. According to the report of Bui et al. (2009), the bacteria causing canker disease on Mexican lemon trees collected from 14 provinces in both the North and the South is X. citri pv. citri canker type A. Currently, canker disease is one of the common and serious diseases in most citrus growing areas in the country, greatly affecting export products. The disease arises and develops strongly in conditions of high humidity and temperature of 26 ÷ 35°C, spreading very quickly and causing damage to all lemon varieties (Nguyen Van Nga and Cao Van Chi, 2013).
1.2.2. Disease symptoms and economic damage
According to Sharma and Sharma (2009), citrus canker is caused by many different strains of Xanthomonas with different biological characteristics and host plants, but the symptoms and signs of the disease are the same. On young leaves, the lesions are initially round spots with a diameter of about 1mm, clear yellow, wet, often seen on the underside of the leaves, then the lesions expand and break the epidermis of the underside of the leaves, pale white or light brown. Around the lesions is a round halo in the shape of a drop of yellow or dark green oil. When the lesions are old, they become rough, ulcerated, rough, the underside is rough, the upper surface is cracked and ash gray, protruding from the leaf surface (Figure 1.4 A). Lesions can be seen about 7 to 10 days after infection on the underside of the leaves and then clearly visible on the upper surface. Severely infected leaves fall off early, leading to bare branches. The lesions on the fruit are similar to those on the leaves: the lesions are rougher and browner, with raised edges on the outer edges, and dead tissue cracking on the fruit skin in the middle. Severe disease can cause the fruit to deform, become water-poor, dry out early, and fall off easily. Ulcers affect the aesthetic value of the fruit, and do not meet quality standards for export (Figure 1.4 C). Lesions on branches and trunks of young plants are similar to those on leaves, but are relatively clearly raised. In some cases, ulcers on the trunk are up to 15 cm long and on branches up to 5 ÷ 7 cm (Figure 1.4B).



Figure 1.4. Symptoms of canker disease caused by X. axonopodis pv . citri bacteria on lemon trees
(A: leaf ulcer; B: branch ulcer; C: fruit ulcer) (Source: Research student took photo at lemon garden in Ben Luc district, Long An)
Canker is one of the serious diseases on citrus trees caused by bacteria.
X. axonopodis pv. citri is a devastating disease that can destroy entire orchard crops. Millions of dollars are spent each year worldwide on prevention, control and eradication programs. The disease causes heavy losses when infection occurs in the early stages of plant growth. The disease is common during bud formation and early fruit development and is more severe during heavy rainfall and warm temperatures. The proportion of diseased leaves is usually equivalent to the proportion of diseased fruits (Grupta and Sharma, 2008). According to Stall and Seymour (1983), in Argentina during the period 1979 ÷ 1980, 83 ÷ 97% of grapefruit fruits were diseased and the proportion of infected leaves was 88%. Canker seriously limits the production of lemons in particular and citrus in general in Asia and South America. The most serious consequence of canker is the impact on trade due to restrictions on international fruit transport and export, and increased quarantine controls on products originating from infected areas (Rybak et al., 2009).
In Vietnam, in recent times, with the unusual changes in weather and climate, along with the rapid increase in lemon growing area, high level of intensive farming, the rate of gardens using sprinklers is increasing, bacterial canker disease is becoming more common and causing serious damage. According to the annual pest report, canker disease appears in most
Lemon growing provinces across the country with different levels depending on the season. Every year with heavy rain and hot and humid weather, the disease develops strongly into an epidemic. The disease often appears on branches, leaves, and young fruits. Severely infected branches will dry and break, infected young leaves will be underdeveloped and fall off early. After 35 days of flower fall, young fruits about 9 mm in size are susceptible to the disease; fruit diameter from 26 ÷ 32 mm (after flower fall 60 ÷ 80 days) has the highest rate of disease, affecting fruit yield and not meeting export requirements. Currently, some countries that have not reported bacterial canker disease are trying to implement many disease prevention measures. In particular, strict quarantine measures such as restricting or banning the import of seedlings and fruits from epidemic areas are given top priority (Sharma and Sharma, 2009). This has significantly affected the lemon export market of countries that have reported canker disease, including Vietnam.
1.2.3. Source of disease and conditions of disease occurrence
Lemon is a perennial plant with a life cycle of up to 10 years, so the tree can easily overcome the effects of pathogenic bacteria on the stem, leaves and fruit. The bacteria causing canker can survive for up to 6 months in infected leaves (Rao and Higorani, 1963). The disease is transmitted from season to season mainly from infected tree crowns and branches. In lesions on the stem and branches, the bacteria can survive for several years (Chakravarti et al., 1966). In infected plant tissues kept dry and free of soil, the bacteria can survive for many years, with high tolerance to drought and cold (Sharma and Sharma, 2009).
According to Pria et al. (2006), the disease develops and develops strongly in conditions of high humidity and temperature of 25 ÷ 35 °C. Most of the disease occurs on leaves and young branches in the first six weeks after the plant begins to grow. The most important period for the disease on the fruit skin is in the first 90 days after petal shedding. Bacteria causing canker mainly through stomata, wounds created by wind, rain or insects. The incubation period depends on the type of plant but is on average from 6 ÷ 14 days (Schaad et al., 2005). Xanthomonas bacteria have a mucous layer so they easily form a suspension in water and disperse into small droplets. The spread of canker is mainly by wind and rain at close range so the disease becomes more serious in plants exposed to rain, in the same direction of the wind. Rainwater from damaged foliage contains bacteria from 10 5 ÷ 10 8


![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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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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