MINISTRY OF EDUCATION AND TRAINING
UNIVERSITY OF COMMERCE
DO THI THANH HUONG
DEPOSIT MOBILIZATION MANAGEMENT AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT - SON TAY BRANCH
MASTER'S THESIS IN ECONOMICS
HANOI, 2021
MINISTRY OF EDUCATION AND TRAINING
UNIVERSITY OF COMMERCE
DO THI THANH HUONG
DEPOSIT MOBILIZATION MANAGEMENT AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT - SON TAY BRANCH
MAJORITY: FINANCE - BANKING CODE: 8340201
MASTER'S THESIS IN ECONOMICS
SCIENTIFIC INSTRUCTOR: PROFESSOR DINH VAN SON
HANOI, 2021
COMMITMENT
I hereby certify that this thesis is my independent scientific research work. The data and results presented in the thesis are truthful and have clear origins from the actual situation at the Joint Stock Commercial Bank for Investment and Development of Vietnam, Son Tay Branch (BIDV).
THESIS AUTHOR
( Sign and print full name)
DO THI THANH HUONG
ACKNOWLEDGEMENTS
The thesis is the result of my own efforts through the process of studying and researching, combined with experience during my work at BIDV.
I would like to express my gratitude to the teachers in the Graduate School - University of Commerce who created favorable conditions to help me complete this thesis. In particular, I would like to express my gratitude to Prof. Dr. Dinh Van Son who directly guided me scientifically and helped me throughout the research process.
Thank you very much!
Hanoi, March 18, 2021
Student
Do Thi Thanh Huong
INDEX
COMMITMENT i
ACKNOWLEDGEMENTS ii
TABLE OF CONTENTS iii
LIST OF ABBREVIATIONS vi
LIST OF FIGURES AND TABLES vii
INTRODUCTION 1
1. Urgency of research topic 1
2. Overview of research situation related to research topic 2
3. Research objective 3
4. Research methods 4
5. Research object and scope 5
6. Scientific and practical significance of the research topic 6
7. Thesis structure 6
CHAPTER 1: GENERAL THEORY ON CAPITAL MOBILIZATION MANAGEMENT OF COMMERCIAL BANKS 7
1.1. Overview of commercial banks 7
1.1.1. Concept of commercial bank 7
1.1.2. Activities of Commercial Banks 8
1.1.3. Capital sources of commercial banks 13
1.2. Deposit mobilization activities of commercial banks 16
1.2.1. Mobilizing deposit capital 16
1.2.2. The role of deposit mobilization 17
1.2.3. Forms of capital mobilization deposits 18
1.3. Management of capital mobilization of commercial banks 20
1.3.1. Concept of deposit mobilization management 20
1.3.2. Content of deposit mobilization management 20
1.3.3. Indicators for evaluating deposit mobilization management 26
1.3.4. Factors affecting deposit mobilization management 28
1.4. Lessons learned from capital mobilization management of some commercial bank branches in Vietnam 30
CHAPTER 2: CURRENT STATUS OF DEPOSIT MOBILIZATION MANAGEMENT OF JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM, SON TAY BRANCH 33
2.1. Introduction to Vietnam Joint Stock Commercial Bank for Investment and Development - Son Tay Branch 33
2.1.1. Brief history of BIDV Son Tay development 33
2.1.2. Organizational structure of BIDV Son Tay 34
2.2. Current business performance of Vietnam Joint Stock Commercial Bank for Investment and Development - Son Tay Branch 37
2.2.1. Deposit mobilization management process at BIDV Son Tay 37
2.2.2. Business results of BIDV Son Tay 38
2.2.3. Current status of capital mobilization at BIDV Son Tay 41
2.3. Management of capital mobilization at BIDV Son Tay 46
2.3.1. Strategy, policy and plan for mobilizing deposits 46
2.3.3. Organization of capital mobilization of deposits 51
2.3.4. Deposit mobilization management 59
2.3.4. Current status of inspection and control of capital mobilization deposits 66
2.3.4. Survey on customer satisfaction when depositing money at BIDV Son Tay 67
2.4. General assessment of deposit mobilization management at BIDV Son Tay 70
2.4.1. Achievements 70
2.4.2. Limitations and causes 71
CHAPTER 3: SOME SOLUTIONS TO MANAGE DEPOSIT MOBILIZATION AT VIETNAM JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT, SON TAY BRANCH 74
3.1. Development orientation of Vietnam Joint Stock Commercial Bank for Investment and Development 74
3.2. Development orientation of BIDV Son Tay 76
3.3. Some solutions for managing deposit mobilization activities at BIDV Son Tay 79
3.3.1. Develop appropriate capital mobilization plans and strategies 79
3.3.2. Strengthening control of deposit mobilization activities 82
3.3.3. Improving the quality of human resources 84
3.3.4. Perfecting customer marketing 88
3.3.5 . Diversifying forms of capital mobilization 89
3.3.6. Other recommendations 91
3.4. Some recommendations for Vietnam Joint Stock Commercial Bank for Investment and Development 93
CONCLUSION 95
REFERENCES APPENDIX
LIST OF ABBREVIATIONS
Commercial Bank | |
BIDV: | Joint Stock Commercial Bank for Investment and Development of Vietnam |
State Bank: | State Bank |
TMCP: | Joint Stock Trading |
TCTD: | Credit institutions |
VCB: | Joint Stock Commercial Bank for Foreign Trade of Vietnam |
Seabank: | Southeast Asia Commercial Joint Stock Bank |
Agribank: | Vietnam Bank for Agriculture and Rural Development |
TX: | Town |
PGD: | Transaction office |
Management: | Internal management |
IT: | Information technology |
Customer Service: | Customer Management |
KHDN: | Corporate Clients |
Science and Technology: | Individual customers |
QLRR: | Risk Management |
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