“True words can become a family in the world/ Therefore, a pen also has the power to sweep away a thousand soldiers/ What you find yourself is not the same as what everyone else gets/ What others have said, you can easily imitate/ It is only worthy of being used as a sacrificial offering in the ancestral temple”. In the poem “ De Sat Vien Bui Cong Yen Dai English Language Postscript” , Cao Ba Quat boldly declared: “Closing the door and polishing sentences, mumbling and reciting each sentence and each word/ That is no different from a caterpillar trying to measure the whole world”.
It is worth mentioning that Cao Ba Quat did not deny education, knowledge or inheritance. In his poetry, he once dreamed of having a part of Du Fu's poetry: Phong tinh cuong ban Do Lang thi (Phong tinh cuong ban Do Lang (Du Fu) - Than Tu di Phuong Dinh chi co thoi qua Le Hien Vinh thu hien. Thi ti phong tham, cam tac tu thu. Du tuy bat toi also lieu di uy luong huu da. Nhan phuc thu van, ki tu). What he criticized here was the imitation of the ancients "has nothing to do with spirituality": "If you imitate everything, every word is imitated, such as: saying goodbye at the village entrance and singing the phrase "Duong Quan wine cup", temporarily passing by the neighborhood and writing the phrase "chicken and grass grouse", modifying the border poetry, showing off the wonderfulness of Gia Chau, polishing the court poetry, boasting about the reputation of following Thieu Ba; "Even if we use a thousand poems filled with suffering, or a hundred rhymes squeezed from a withered heart, it has nothing to do with spirituality" ( Thuong Son Cong Thi Tap Hau Tu ). Thus, Cao Ba Quat requires that we must absorb the spirit and spirit of the ancients' art in a flexible way. He expressed: "When talking about writing, Su Dong Pha said, "It's okay without studying." Whoever understands his meaning can discuss writing poetry together" ( Thuong Son Cong Thi Tap Hau Tu ). "The concept of "it's better not to study" can also suggest the personal freedom of the artist - which is very meaningful for the issue of personal style in literature. And so, Cao Ba Quat's concept is very close to our aesthetic theory and literary theory today" [119,33].
It can be said that when speaking about artistic concepts, Cao Ba Quat was full of courage and opinions. Not easily following the trend of "Thi Tat Thinh Duong" and "Rejecting Song and Returning to Duong" which were popular at that time, Cao Ba Quat gave his personal opinion. He believed that it was necessary to absorb the quintessence of the past. In the poem Binh Sinh Ngu Thap Van , he praised the culture of Ly - Tran Vietnam:
The Ly and Tran dynasties were talented and early,
Maybe you are interested!
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Key Points to Focus on Promoting Social Responsibility in Business -
The Impact of Social Circumstances on the Life and Literary Career of Nam Cao and Akutagawa. -
Solutions for tourism development in Tien Lang - 10
zt2i3t4l5ee
zt2a3gstourism, tourism development
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- District People's Committees and authorities of communes with tourist attractions should support, promote, and provide necessary information to people, helping them improve their knowledge about tourism. Raise tourism awareness for local people.
*
* *
Due to limited knowledge and research time, the thesis inevitably has shortcomings. Therefore, I look forward to receiving guidance from teachers, experts as well as your comments to make the thesis more complete.
Chapter III Conclusion
Through the issues presented in Chapter II, we can come to some conclusions:
Based on the strengths of available tourism resources, the types of tourism in Tien Lang that need to be promoted in the coming time are sightseeing and resort tourism, discovery tourism, weekend tourism. To improve the quality and diversify tourism products, Tien Lang district needs to combine with local cultural tourism resources, at the same time combine with surrounding areas, build rich tourism products. The strengths of Tien Lang tourism are eco-tourism and cultural tourism, so developing Tien Lang tourism must always go hand in hand with restoring and preserving types of cultural tourism resources. Some necessary measures to support and improve the efficiency of exploiting tourism resources in Tien Lang are: strengthening the construction of technical facilities and labor force serving tourism, actively promoting and advertising tourism, and expanding forms of capital mobilization for tourism development.
CONCLUDE
I Conclusion
1. Based on the results achieved within the framework of the thesis's needs, some basic conclusions can be drawn as follows:
Tien Lang is a locality with great potential for tourism development. The relatively abundant cultural tourism resources and ecological tourism resources have great appeal to tourists. Based on this potential, Tien Lang can build a unique tourism industry that is competitive enough with other localities within Hai Phong city and neighboring areas.
In recent years, the exploitation of the advantages of resources to develop tourism and build tourist routes in Tien Lang has not been commensurate with the available potential. In terms of quantity, many resource objects have not been brought into the purpose of tourism development. In terms of time, the regular service time has not been extended to attract more visitors. Infrastructure and technical facilities are still weak. The labor force is still thin and weak in terms of expertise. Tourism programs and routes have not been organized properly, the exploitation content is still monotonous, so it has not attracted many visitors. Although resources have not been mobilized much for tourism development, they are facing the risk of destruction and degradation.
2. Based on the results of investigation, analysis, synthesis, evaluation and selective absorption of research results of related topics, the thesis has proposed a number of necessary solutions to improve the efficiency of exploiting tourism resources in Tien Lang such as: promoting the restoration and conservation of tourism resources, focusing on investment and key exploitation of ecotourism resources, strengthening the construction of infrastructure and tourism workforce. Expanding forms of capital mobilization. In addition, the thesis has built a number of tourist routes of Hai Phong in which Tien Lang tourism resources play an important role.
Exploiting Tien Lang tourism resources for tourism development is currently facing many difficulties. The above measures, if applied synchronously, will likely bring new prospects for the local tourism industry, contributing to making Tien Lang tourism an important economic sector in the district's economic structure.
REFERENCES
1. Nhuan Ha, Trinh Minh Hien, Tran Phuong, Hai Phong - Historical and cultural relics, Hai Phong Publishing House, 1993
2. Hai Phong City History Council, Hai Phong Gazetteer, Hai Phong Publishing House, 1990.
3. Hai Phong City History Council, History of Tien Lang District Party Committee, Hai Phong Publishing House, 1990.
4. Hai Phong City History Council, University of Social Sciences and Humanities, VNU, Hai Phong Place Names Encyclopedia, Hai Phong Publishing House. 2001.
5. Law on Cultural Heritage and documents guiding its implementation, National Political Publishing House, Hanoi, 2003.
6. Tran Duc Thanh, Lecture on Tourism Geography, Faculty of Tourism, University of Social Sciences and Humanities, VNU, 2006
7. Hai Phong Center for Social Sciences and Humanities, Some typical cultural heritages of Hai Phong, Hai Phong Publishing House, 2001
8. Nguyen Ngoc Thao (editor-in-chief, Tourism Geography, Hai Phong Publishing House, two volumes (2001-2002)
9. Nguyen Minh Tue and group of authors, Hai Phong Tourism Geography, Ho Chi Minh City Publishing House, 1997.
10. Nguyen Thanh Son, Hai Phong Tourism Territory Organization, Associate Doctoral Thesis in Geological Geography, Hanoi, 1996.
11. Decision No. 2033/QD – UB on detailed planning of Tien Lang town, Hai Phong city until 2020.
12. Department of Culture, Information, Hai Phong Museum, Hai Phong relics
- National ranked scenic spot, Hai Phong Publishing House, 2005. 13. Tien Lang District People's Committee, Economic Development Planning -
Culture - Society of Tien Lang district to 2010.
14.Website www.HaiPhong.gov.vn
APPENDIX 1
List of national ranked monuments
STT
Name of the monument
Number, year of decisiondetermine
Location
1
Gam Temple
938 VH/QĐ04/08/1992
Cam Khe Village- Toan Thang commune
2
Doc Hau Temple
9381 VH/QĐ04/08/1992
Doc Hau Village –Toan Thang commune
3
Cuu Doi Communal House
3207 VH/QĐDecember 30, 1991
Zone II of townTien Lang
4
Ha Dai Temple
938 VH/QĐ04/08/1992
Ha Dai Village –Tien Thanh commune
APPENDIX II
STT
Name of the monument
Number, year of decision
Location
1
Phu Ke Pagoda Temple
178/QD-UBJanuary 28, 2005
Zone 1 - townTien Lang
2
Trung Lang Temple
178/QD-UBJanuary 28, 2005
Zone 4 – townTien Lang
3
Bao Khanh Pagoda
1900/QD-UBAugust 24, 2006
Nam Tu Village -Kien Thiet commune
4
Bach Da Pagoda
1792/QD-UB11/11/2002
Hung Thang Commune
5
Ngoc Dong Temple
177/QD-UBNovember 27, 2005
Tien Thanh Commune
6
Tomb of Minister TSNhu Van Lan
2848/QD-UBSeptember 19, 2003
Nam Tu Village -Kien Thiet commune
7
Canh Son Stone Temple
2160/QD-UBSeptember 19, 2003
Van Doi Commune –Doan Lap
8
Meiji Temple
2259/QD-UBSeptember 19, 2002
Toan Thang Commune
9
Tien Doi Noi Temple
477/QD-UBSeptember 19, 2005
Doan Lap Commune
10
Tu Doi Temple
177/QD-UBJanuary 28, 2005
Doan Lap Commune
11
Duyen Lao Temple
177/QD-UBJanuary 28, 2005
Tien Minh Commune
12
Dinh Xuan Uc Pagoda
177/QD-UBJanuary 28, 2005
Bac Hung Commune
13
Chu Khe Pagoda
177/QD-UBJanuary 28, 2005
Hung Thang Commune
14
Dong Dinh
2848/QD-UBNovember 21, 2002
Vinh Quang Commune
15
President's Memorial HouseTon Duc Thang
177/QD-UBJanuary 28, 2005
NT Quy Cao
Ha Dai Temple
Ben Vua Temple
Tien Lang hot spring
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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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Limiting social insurance debt of businesses by applying sanctions Case study of businesses in Thanh Xuan district, Hanoi city - 12
Light and pleasant as frost.
(Ly and Tran dynasties had abundant literary talent,

Light and refreshing like a misty arrow).
He highly appreciated the poetry of Su Dongpo of the Song Dynasty:
The sadness is endless, the forest is green and the grass is green. Who in the Three Kingdoms can sing for themselves, and I can only sing for myself.
( Night listening to Phan Sinh recite To Pha ) (Thousands of beautiful and glossy poems,
The remains are as brilliant as precious gems.
In Tam Duong, who is the one who continues that poetic voice? That person is outstanding, bare, and strong.)
He also expressed his attitude towards Ngo The Vinh's incorrect criticism of Su Dong Po:
Listen to Zhong Fu, you really don't know what to do. The rest of the children are wise,
The book is so confusing. The book is so confusing.
The slave is pure and innocent.
( Night listening to Phan Sinh reciting To Pha ) (How stubborn Trong Phu is,
Headphones are random and do not self-illuminate.
His learned words were redundant,
But why do you keep talking about one point and laughing? Bad scrutiny is not a long and wide road,
The lame horses gnashed their teeth before the fine horse.
Thus, Cao Ba Quat did not support the movement of "rejecting Song and returning to Tang", "poetry must flourish in Tang". He clearly expressed his point of view: what is the quintessence and goodness of the ancients must be learned, not necessarily Song or Tang.
Based on the requirement of "Literature must be original", learning the quintessence of the ancients, criticizing the scum of imitation literature, Cao Ba Quat aimed for two basic characteristics that he wanted to have: naturalness and freedom .
He determined that writing poetry should focus on sincerity and simplicity rather than chasing after elaborate words:
Illusionary clothes no longer make a beautiful face, Traditional music changes to Dai Nha.
( I recite a small verse while sitting at night )
(Flashy clothes do not make a person strong, Fussy rhythms ruin the Dai Nha poetry)
Dai Nha poetry is a beautiful poetic form in the Book of Songs - a brilliant achievement of ancient Chinese folk literature. Cao Ba Quat believes that to have beautiful, exemplary poetry like Dai Nha poetry, one should not pay too much attention to the complexity of the melody. He advocates that compositions must be simple and rustic like Su Dong Po and Hoang Dinh Kien:
Su, the Emperor's spirit was broken and he smiled.
The plain door style is the place to be!
( Use the previous fortune to predict the future )
(With a spirit like To, Uncle Hoang, don't laugh,
Simple, rustic style doesn't hurt either!)
He advocated writing poetry naturally, without carving. Poetry should be elegant and refined:
- The elegant man is the master.
( Painting of Two Ladies Alone in the Night, Wandering in a Lotus Pond ) (Elegance is my teacher)
- The weak pine tree is carved into the three samadhis, Fear and gentleness are separated by a door.
( Thesis on Poetry and Play, Part Ten )
(If every hour and every minute I show off the secret of my poetry,
Then I'm afraid that gentleness and docility will become a separate sect.)
Therefore, according to Cao Ba Quat, inspiration for poetry comes very naturally, suddenly, cannot be forced, like a rain that comes naturally urging the poet to write poetry: The sky is full of rain at the right time/ Helping us to be inspired to recite/ Rowing the boat urges the pen/ To meet the guest, new poetry comes out/ The spirit fills the paper/ The horse's hooves are plucked/ The Milky Way competes to wash the pen/ Lightning strikes to borrow rhetoric/ Spitting out thoughts with the wind/ The jade springs to form good ideas/ The rustling sound echoes/ The chosen words are imbued with love/ Surely soon find the pearl ( Ung thi vu thoi thi ). With that thought, Cao Ba Quat expressed his respect for the Book of Poetry , the poetry of Su Dong Pha... He also admired Cu Tien's poetry and evaluated that Cu Tien's poetry must be as round as the sun because Cong huu Hoai Cac, Tao, Le Quang, Thuan Chi phong tri tham nha (He has a very elegant writing style like Hoai Cac, Tao, Le Quang, Thuan Chi).
According to Cao Ba Quat, it is this naturalness that makes poetry unrestrained and free. The verses that Cao Ba Quat favors are generous, lively, free, and individual. He loves Nguyen Van Sieu's poetry because: Phuong Dinh's poetry is very generous/ Joyful, light, yet calm and clear/ Even within the framework of the law/ It does not borrow (poetic ideas) and is constrained in the carving/ (Like) ten sieges using many soldiers to attack/ Luxurious style with imbued nuances/ The source of inspiration is timely/ The scenery in his poetry is grand, exuberant, alternating with each other - Restored Phuong Dinh's rhymes, Du Dac Dong, Xuan, Chuoc Tam Rhymes, Ky Tam). Cao Ba Quat believes that Li Bai's poetry is well-known because his poetry is "lively and rich": Thanh Lien is also worthy of being a famous poet/ No need to consider this poet's melody but his rich liveliness/ Drinking a cup of wine and writing a hundred poems, originating from his natural, unconstrained ease/ That's why everywhere people walk and recite his poetry - Hi tac thi luat, ki tu). This will greatly influence Cao Ba Quat's poetic style, which we will discuss in the following sections.
It should also be noted that to have such natural and free verses, according to Cao Ba Quat, is not simple. An artist must be someone who travels a lot and reads a lot: " Footprints have been left all over the mountains and rivers of thousands of miles/ When returning, the belly is full of books" - De Sat Vien Bui Cong "Yen Dai English" song after ), " A hundred polishings and a thousand grindings are called learning/ A half-understanding is not enough to write literature" - Hi Tac Thi Luan, Ky Nhat). Therefore, according to Cao Ba Quat, Su Dong Po wrote such natural poems because he read ten thousand books during his lifetime:
In life, ten thousand books, one touch and bring to temple.
( At night listening to Phan Sinh reciting To Thi ) (In his life, To Tu read ten thousand books,
Blink to grasp the clutter in books.)
This view of Cao Ba Quat is similar to the thought of Du Fu: Reading a book breaks ten thousand volumes/ Writing down a pen is like having a spirit . That requires a capital of knowledge. This will determine the author's pen, allowing the author to have beautiful ideas and good words.
Cao Ba Quat also believes that to have outstanding literature, it is important to have the creative spirit of the writer. Furthermore, the poet's heart needs to be "at peace" and far from desires:
Longan is a good painter, so I can hold it in my hand.
( Dong Nguyen Chuyet Hien, Pham Thuc Minh discuss poetry, get the heart's desire, the best part) (Dragon eyes depend on the person who draws them,
Only by keeping your mind at peace with the religion can you play the lute well.
Thus, Cao Ba Quat has a quite comprehensive view of literature, from the concept of the author to the essence of the work. He highly values the word “love”, creativity, the magic of the pen… Those are the factors that have a dominant meaning, creating new points in Cao Ba Quat’s Chinese poetry.
3.2. New points in the concept of society
3.2.1. New points in perceiving and reflecting social reality in the country
3.2.1.1. Skepticism about ideals and the path of imperial examinations
Cultivating oneself through studying and striving to pass the imperial examinations was the traditional path of scholars in the Middle Ages. One had to pass the imperial examinations to become an official to “support the leaning and supporting the leaning”, to help “King Nghieu Thuan, the people of Nghieu Thuan”. Starting from passing the imperial examinations, the path to establishing a reputation and leaving one’s name on the golden list of stone stele was opened. Therefore, ancient scholars always devoted all their heart, mind, and strength to this important milestone in life. Nguyen Trai confided:
A body wandering the path of the imperial examinations, Two words dreaming of national affairs.
( Words of wisdom, lesson 7)
Nguyen Cong Tru "praised" - praising his own exam taking and determination to pass:
If you go, how can you return empty-handed? The debt of holding the letter must be paid.
( Going to the exam to compose a poem )
By Cao Ba Quat's time, that enthusiasm and effort had quickly passed. Instead, there was doubt and discouragement. Cao Chu Than, on his way to the exam, no longer had the enthusiasm, confidence, and determination to win:
Entering the world through the imperial examinations, Knowing the name is the court. In the Ming Dynasty, there were no red scholars.
Cut the flute.
(Entering Vinh Loi Bridge)
(In life, there is only one path: the mandarin exam. If you want to be famous, you must go to crowded places.
In times of wisdom, there is a wise king who does not abandon scholars, bowing his head and sitting under the blue sky.
Cao Chu Than determined that there was only one path in life: the path of mandarin examinations, also hoping that “the bright times would not abandon scholars”, but “bowed his head and sat under the blue sky”. That action contained many meanings. It evoked a complex feeling, a forced acceptance, a bored skepticism? “Blue sky” in Confucian consciousness also referred to the king, the imperial system. Scholars who did not “raise their heads” to look at the “blue sky” but “bowed their heads” did not have a firm belief. Failing the exam again, Cao Chu Than consoled himself:
How many people have leisure in their career? I am the one who has to do all the work! (Song of Hoanh Son and Vang Hai)
(On the road to fame, how many people have had a leisurely time? We still go with the bustling hats and umbrellas!)
The verse has a satirical tone. The auxiliary word “hị” (then, here) at the end of the verse not only shows the spirit of the scholar Cao Bá Quát being let down, but it also seems to express that Cao Chu Thần taking the exam was like following the majority, being swept away by the current and losing his subjective consciousness. It seems to be the beginning of the following and imitative way of taking the exam of Tú Xương later:
I walked with difficulty,
Same tent, same bed, same exam.
( Take the exam )
However, Chu Than's humorous smile is not much. Mainly, it is the immense sadness about the vagueness of the path of competition: " Wandering from the old country/ Man man toward the long road/ (...) I feel a great sadness saying goodbye to my hometown/ Walking on a long and deep road/ (...) Remembering the trips of last year / I was mistaken for a little bit of fame/ This time I say goodbye, where am I going?/ Turning my head back to look longingly at the old things/ But entering life, I already have literature/ If I escape fame, what do I still desire? - Pho Nam cung, xuat giao mon, biet chu de tu ), "Cu boi thoi tu van/ Quyen ma thuong truong do" (Often times, I put down my cup and wonder/ The horse is tired, the road is long, what should I do? - Reply to Tran Ngo Hien )...
Cao Chu Than fell into a dead end. Realizing that it was a “false reputation”, with no future, no hope, but he had not found another path. Therefore, he had to accept failing on the predetermined path. Having struggled on the path of fame himself, and witnessing the reality of the exam scene, Cao Chu Than became even more frustrated:
The council from the outside world set in the west, the yellow rain and mud covered the land.
(May 12, District Magistrate's Examination) (Gathering outside the church, the sun was already noon, Night rain brought yellow mud to bury the green grass.)
With just a few sketches, the examination hall in Chu Than's eyes was just like a tragic scene. The time was when it was already noon - the sun was leaning to the west - the sun was setting in the west . That was the time that had passed the time of the sun and the yin according to the concept of the medieval people. That moment corresponded to sadness, to decline. The space was outside the church, on a dirty piece of land that had just experienced a night rain, the mud "one" - smeared and buried, drowned the grass. The candidates appeared in that time and space, so shabby. That scene made Chu Than let out a sigh:
It is the new literature of suffering,
The beauty of the road is arrogant.
(May 12, 1945) (Literature is truly a bitter and miserable land, The beauty in the house is too arrogant.)
Cao Ba Quat took the idea of these two sentences from the poem of Emperor Trieu Hang of Song Tran Tong:
A rich family does not use the fields, The library will have its own end. A peaceful home does not use high buildings,
In the book there is a golden house. Don't hate a wife without good lips. In the book there is a face like jade. Don't hate having no one to follow you when you go out. In the book, there are many horses like horses.
Men want to fulfill their lifelong ambition,
The Five Classics should be read facing the window.
(The rich do not have to buy good fields, In the book itself there are thousands of granaries of rice.
Settling down does not mean building a tall house, In books there are golden mansions.
Take a wife without regret without a matchmaker, In the book there are people like jade.
Going out, I don't regret not having an entourage. In the book, there are countless carriages and horses.
As a man, if you want to satisfy your lust for worldly pleasures, you should diligently read the Five Classics at the door.
Emperor Zhenzong of Song, Zhao Heng, enthusiastically asserted that if he wanted to be rich and noble, have a beautiful wife, servants, and horses to pick him up, he would study hard and pass the imperial examinations to become an official. Cao Ba Quat bitterly stated that studying to have a golden house and a beautiful wife was very difficult and miserable. He affirmed the hardships of a scholar from his own experience:
The rest of my life was filled with fame and fortune, but ten years of stagnation and dullness. The most difficult of all, the empress was haggard and without beauty.
(The book is written by the family, this is the daily work)
(My life was a mistake because of a false reputation, For ten years I was immersed in pen and ink. After many difficulties, I finally passed the exam,




![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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div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)
