Geographic phenomena and things are a system of natural geography and socio-economic geography. The socio-economic system of our country includes smaller socio-economic systems at the provincial and city levels such as Dong Nai and this system is further divided into smaller levels such as economic sectors, population, society, etc.
Researching tourism development issues must consider the mutual impact relationship between natural, economic and social factors within the province's territory and within the overall national economy of our country.
When studying Dong Nai river tourism, the author puts it in relation to tourism in Dong Nai province and the Southeast sub-region as well as the whole country. In addition, the author also analyzes the development of Dong Nai river tourism in the context of the province's general socio-economic development.
Tourism is a comprehensive business, involving many different industries and fields of activity. The comprehensive perspective allows for full recognition of the interdependencies and mutual regulation between objects, elements, and processes taking place in tourism activities in a certain space and time.
On the other hand, the effectiveness of the tourism industry is also comprehensive, such as economic - social - environmental and ecological effectiveness. Therefore, in the process of researching Dong Nai river tourism, the author thoroughly applies this point of view.
5.1.2. Ecological perspective and sustainable development
It can be said that Dong Nai is a land with great potential for tourism development. However, the province's tourism has not yet developed commensurate with its inherent potential. Therefore, studying the history of formation and current status of tourism development in the province helps us easily come up with orientations and solutions to promote the province's tourism industry to new heights. Within the scope of the topic, the author only focuses on studying the current status of Dong Nai river tourism development from 2010 to present, thereby evaluating and providing orientations and solutions for the development of Dong Nai river tourism to 2020 and vision to 2030.
Tourism development has contributed significantly to the socio-economic development of the province: creating jobs for workers, exploiting natural resources reasonably.
However, promoting the province's comparative advantages... However, tourism development without strict management and planning in the past has caused many negative impacts on environmental issues such as air, soil, water pollution... Therefore, it is necessary to build and implement tourism development plans in a reasonable way to harmonize the positive and negative impacts on environmental protection, creating sustainable development. This viewpoint is applied by the author in the process of researching the topic.
5.2. Research methods
5.2.1. Methods of collecting, processing documents, analyzing and synthesizing
Based on the collection of data and documents on the number of tourists, revenue, and development of provincial tourism in the period 2010 - 2015 from the Department of Statistics, Department of Culture, Sports and Tourism (DOCST), Dong Nai Tourism Promotion Center and relevant departments in Dong Nai province, the author used this method to process and analyze the database for the topic.
In the thesis, the author visualized some data into charts and maps to see more clearly the development of Dong Nai river tourism. At the same time, the map also clearly shows the distribution of objects, especially tourism resources. That is the basis for the author to build reasonable river tourism routes and clusters.
Based on statistics and classification of collected documents, the author arranges, synthesizes and analyzes issues on Dong Nai river tourism. Including comparisons with river tourism in other provinces, cities and some countries in the world with developed river tourism to draw sharper arguments.
5.2.2. Field survey method
To see the current status of Dong Nai river tourism activities and development, the author conducted 3 surveys in November (02 surveys) and December (01 survey). In the survey program, the author surveyed 02 clusters:
- Cluster 01 includes tourist attractions: Golden Scorpion Tourist Area, Ba Xe Islet, Pho Islet, Buu Long Tourist Area, Tan Trieu Grapefruit Village and tourist areas in District 9, Ho Chi Minh City;
- Cluster 02 includes tourist attractions: Nam Cat Tien National Park, War Zone D, Tri An hydroelectric lake area, O - Dong Truong island... to have a proper basis for assessing the potential as well as the current status of exploitation and development of each tourist destination, from which more feasible solutions can be proposed.
5.2.3. SPSS and SWOT sociological investigation methods
This is a method used to collect opinions from the source market and stakeholders to find suggestions for Dong Nai river tourism activities. The groups surveyed include: potential tourists in the source market (HCMC) and local residents (Bien Hoa, Dong Nai); representatives of travel companies in the source market; experts in the field of travel and river tourism business.
SWOT method: This method evaluates the strengths; weaknesses; opportunities and challenges of the current Dong Nai river tourism activities. From the evaluation, stakeholders can make appropriate decisions.
The questionnaire was sent to the survey participants via the method: directly. The author visited businesses, residential areas and experts. Details of the questionnaire are in the appendix. The distribution of the survey questionnaire was carried out with the following results:
Direct questionnaire type
Number of issues | Revenue | Valid number | |
For potential visitors and residents | 50 | 50 | 49 |
For travel agencies | 24 | 24 | 24 |
For professionals | 7 | 7 | 7 |
Total | 81 | 81 | 80 |
Maybe you are interested!
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Methods of Controlling Deviations, Analyzing and Processing Data -
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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Theoretical Research Method: Collecting Documents Related to the Thesis, Analyzing, Synthesizing to Build a Theoretical Framework -
Research on analyzing the cost-volume-profit relationship in business decision making at animal feed processing enterprises in Vietnam - 25 -
Innovation in the Content and Leadership Methods of Provincial Party Committees in the Red River Delta to Meet the Requirements of Building Defense Areas in the Current Stage

After collection, data is transferred for processing using Excel and SPSS software.
5.2.4. Expert method
During the process of writing the topic, the author used the interview method: Ms. Nguyen Thi Khanh - Vice President of Ho Chi Minh City Tourism Association; Mr. Nguyen Viet Anh - Head of Ho Chi Minh City Tourism Management Department; Mr. Nguyen Van Hau - Deputy Head of Tourism Management Department, Dong Nai Department of Culture, Sports and Tourism and Mr. Ngo Van Chuong - Chairman of Dong Nai Tourism Association, General Director of Dong Nai Tourism Joint Stock Company. Thereby, the author has more valuable documents to synthesize and process information more effectively, as well as to propose tourism development orientations of Dong Nai province and appropriate and feasible implementation solutions to complete his topic.
6. RESEARCH HISTORY
6.1. History of Dong Nai tourism research
Currently, Dong Nai province tourism has many authors researching on many different aspects, such as:
Nguyen Hoang Hai (2000), Current status and orientation of ecotourism development in Dong Nai province, Graduation thesis in 2000.
Nguyen Thi Phuong Nga (2000), The process of economic restructuring in Dong Nai province in the period 2000 - 2005, Graduation thesis in 2000.
Nguyen Dinh Tho (2012), Tourism development orientation of Dong Nai province, current status and solutions, Graduation thesis 2012.
Department of Science and Technology of Dong Nai province (2010), Dong Nai tourism sustainable development in international economic integration to 2015 and orientation to 2025 .
Over the period from 2000 to 2015, it has been shown that the topic of Dong Nai tourism has been researched by many authors, however, no author has written about the topic of Dong Nai river tourism. Therefore, the author boldly chose the topic: "Dong Nai river tourism, current status and solutions", with the hope of learning and building practical solutions to be able to contribute a small part to the development of tourism.
Dong Nai river route in particular and Dong Nai province tourism in general in the coming time.
7. TOPIC STRUCTURE
The topic consists of 4 main parts:
7.1. Introduction
7.2. The content section includes 3 chapters:
Chapter 1: Theoretical basis.
1.1. Some concepts about tourism and tourists
1.2. Some theoretical issues of tourism development
1.3. Practical basis for developing Dong Nai river tourism Summary of chapter 1.
Chapter 2: Current status of Dong Nai river tourism development
2.1. Current status of Dong Nai river tourism activities
2.2. SWTO Analysis Summary of Chapter 2.
Chapter 3: Solutions and recommendations for developing Dong Nai river tourism.
3.1. Solutions and recommendations for developing Dong Nai river tourism
3.2. Recommendations
Chapter 3 Summary.
Conclusion
References
In addition, there are appendices and references to cite evidence and sources to make the topic more vivid and rich.
CHAPTER I
THEORETICAL AND PRACTICAL BASIS
1.1. SOME BASIC CONCEPTS
1.1.1. Tourism
Nowadays, tourism has truly become a popular socio-economic phenomenon not only in developed countries but also in developing countries including Vietnam. However, up to now, the perception of tourism content is still not unified. Due to different circumstances, different approaches, each person has a different understanding of tourism.
People are curious about the world around them, wanting to learn more about the landscape, terrain, flora and fauna and culture of other places. Therefore, tourism has emerged and become a quite important phenomenon in human life. Up to now, tourism is no longer a separate phenomenon, the privilege of an individual or a group of people, but tourism has become a common social need, meeting the goal of constantly improving people's material and spiritual life. However, the concept of tourism has many ways of understanding because it is approached from many different angles. The following are some concepts of tourism according to popular approaches.
- Approach from the perspective of needs: tourism is the phenomenon of people leaving their usual place of residence to go to a strange place for many different purposes except for the purpose of finding a job (earning money) and during that time (they) have to spend the money they have earned.
- Synthetic approach: Michael Coltman has given the following concept:
Tourism is the sum total of phenomena and relationships arising from the interactions between tourists, tourism businesses, governments, and the environment.
local authority and local communities in the process of attracting and retaining tourists. 31
The relationship between the four subjects is shown in the following diagram:
Travel service provider
Tourists
Local authorities where tourists are welcomed
Local population
Diagram 1.1: Relationship between four subjects in tourism 2
In England, tourism comes from the word "To Tour" which means a walk (Tour round the world; to go for tour round the town; tour of inspection, ...). In French, the word tourism comes from Le Tour which means a walk, a picnic, ... The word tourism appears in the Oxford dictionary as "Tourism" published in 1811 in the United Kingdom, with two meanings: "going far away" and "traveling". It means leaving home to go far away and then returning, during that time visiting and touring in one or several localities. 3
According to the Vietnam Tourism Law (2005) in Clause 1, Article 4, Chapter I, it states: Tourism is an activity related to a person's trip outside his or her regular place of residence to meet the needs of sightseeing, learning, entertainment, and relaxation within a certain period of time. 4
At the United Nations Conference on Tourism, held in Rome - Italy (August 21 - September 5, 1963), experts defined tourism as follows: Tourism is the synthesis of relationships
1 Dr. Tran Thi Mai, (2006), Tourism Overview Textbook, Labor - Social Publishing House, page 6. 2 Dr. Tran Thi Mai, (2006), Tourism Overview Textbook, Labor - Social Publishing House, page 6. 3 http://oxforddictionares.com
4 http://vietnamtourism.gov.vn
relations, phenomena and economic activities arising from the journeys and stays of individuals or groups outside their usual place of residence or country for peaceful purposes, where the place of their stay is not their place of work.
Different from the above viewpoint, scholars who compiled the Vietnamese Encyclopedia (1966) separated the two basic contents of tourism into two separate parts.
First meaning (from the perspective of the purpose of the trip): Tourism is a form of active sightseeing and relaxation of people outside their place of residence for the purpose of: resting, entertaining, seeing scenic spots, historical relics, cultural and artistic works, etc.
Second meaning (from an economic perspective) : Tourism is a comprehensive business that is highly effective in many aspects: improving understanding of nature, historical traditions and national culture, thereby contributing to increasing love for the country; for foreigners, it is friendship with their own people; economically, tourism is a very effective business sector: it can be considered a form of exporting goods and services on the spot.
Thus, there are many concepts of tourism, but in summary we see that tourism contains the following basic elements:
Tourism is a socio-economic phenomenon.
Tourism is the movement and temporary stay outside the usual place of residence of individuals or groups to satisfy their diverse needs.
Tourism is a set of rich and diverse business activities to serve the journeys, temporary stays and other needs of individuals or groups when they are outside their usual place of residence.
The journeys and temporary stays of individuals or groups all have certain purposes, including peaceful purposes.
The clear distinction of the two basic contents of the concept is meaningful in contributing to promoting tourism development. Up to now, many people, even officials and employees working in the tourism industry, only think that tourism is a


![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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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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