Up to now, in recent years, new typical craft villages have appeared such as Dong Ky wood village. Phu Khe wood carving and carpentry village is a craft village with a long tradition and has been developing up to now. Nowadays, carpentry in Phu Khe has changed a lot: in terms of products, there are many different types; the types of goods include making houses, household items... carved goods include incense tables, dragon inlays, horizontal lacquered boards, circular doors, y mon, parallel sentences... In the group of carved wood, people often divide it into three different types of sculpture: architectural sculpture, interior decoration sculpture, religious sculpture, beliefs, mainly round statues and worship objects. In terms of production scale, in Phu Khe, many different production models have appeared, from individual craftsmen families to collectives of some families in the spirit of cooperation and specialization. According to statistics from the Department of Cultural Heritage, Department of Culture, Sports and Tourism of Bac Ninh province, there are currently 08 fine art carpentry villages in Bac Ninh (in fact, this is also a wood carving village), of which Phu Khe village is the place with the longest tradition of development and three civil carpentry villages, including:
- Dong Ky village, Dong Quang commune, Tu Son town.
- Phu Khe Dong village, Phu Khe commune, Tu Son town.
- Phu Khe Thuong village, Phu Khe commune, Tu Son town.
- Mai Dong Village, Huong Mac Commune, Tu Son Town.
- Huong Mac village, Huong Mac commune, Tu Son town.
- Kim Thieu village, Huong Mac commune, Tu Son town.
- Kim Bang village, Huong Mac commune, Tu Son town.
- Dong Huong Village, Huong Mac Commune, Tu Son Town.
- Cao Tho village, Van Ninh commune, Gia Binh district.
- Khuc Toai village, Khuc Toai commune, Yen Phong district
- Tuyen Ba village, Quang Phu commune, Luong Tai district
+ Group 3: pottery villages in Bac Ninh , of which Phu Lang pottery village is typical. There are many different opinions about the history of Phu Lang pottery. Researchers Tran Anh Dung and Tran Dinh Luyen said that around the Le dynasty, 15th - 18th century, researcher Trinh Cao Tuong said that Phu Lang pottery village
Lang was born around the 13th - 14th century: It is likely that Phu Lang pottery appeared during the Tran Dynasty. However, most of the artifacts found by archaeologists at this time were mostly glazed pottery, no earthenware. However, there is also an opinion that Phu Lang glazed pottery dates back to the Le Dynasty. There will be more comments on the appearance of pottery in Phu Lang in another study. In terms of technique, art of shaping and decorating products, Phu Lang pottery is not inferior to pottery products from other localities. This type of pottery is popular with Vietnamese people because of its special features. In daily life, past and present, there is no farming family in the Northern Delta that does not use Phu Lang pottery. The culture of Phu Lang pottery village today has changed a lot compared to before: in terms of the landscape space of the village, there is no longer a thatched house in the village. The technical process of creating products has changed a lot, even the way of firing and the kiln have changed; That has made the products of the craft village change a lot. From only making products such as: jars, pots, basins..., they have moved to producing ceramic art paintings/art ceramics. There have been many obvious changes in the organization of production. There are production facilities such as Nhung ceramic facility with thousands of different designs. There are families and individual craftsmen who have expanded their production facilities. Currently, Vu Huu Nhung's production facility regularly has about 200 workers. In Phu Lang, "Gom Nhung" is the first art ceramic facility. After this facility was established for one or two years, Phu Lang had five other facilities that also entered the field of art ceramics. Currently, in Phu Lang, there are six art ceramic production facilities including: Nhung ceramic; Thieu ceramic; Minh Ngoc ceramic (also known as Tinh ceramic); Hong Minh ceramic (also known as Minh Doi ceramic); Bao Nguyen ceramic; Thuong Nguyen ceramic. Of these six ceramic production facilities, only Thuong Nguyen is owned by people from outside the commune; The rest are all Phu Lang people. Previously, Phu Lang pottery kilns existed thanks to the method of mass processing products with competitive advantages in quality and price (durable and cheap). Nowadays, in Phu Lang, there are also single processed products, elaborately reinforced, sold at high prices. Promoting the production of modern fine art pottery is one of the long-term development directions of Phu Lang.
Lang. Because in fact, this item brings quite high economic value. If we look at it more broadly, deeply and comprehensively, the transformation of Phu Lang has been clearly expressed in all aspects of the craft village culture. According to statistics from the Department of Cultural Heritage, Department of Culture, Sports and Tourism of Bac Ninh province, there are currently two pottery villages in Bac Ninh: Doan Ket village and Phan Trung village in Phu Lang commune, Que Vo district.
+ Group 4: craft villages with products made from metal . In Bac Ninh province, Dai Bai village, Dai Bai commune, Gia Binh district is still existing and developing. Quang Bo village (Vo village), Quang Phu commune, Luong Tai district, in terms of administrative place names, are in two different districts, but the two villages with bronze casting and hammering crafts are adjacent to each other. In addition to the two bronze casting and hammering villages mentioned above, in Bac Ninh, there are also Man Xa aluminum casting village, Van Mon commune, Yen Phong district and Da Hoi steel production village, Chau Khe commune, Tu Son town and Nga Hoang iron forging craft (Que Vo district). Author Do Thi Hao in the book "Dai Bai Craft Village - Bronze Hammering" stated: What can be affirmed is that in the bronze craft in our country, the first is probably the bronze smelting and bronze casting craft like the Dong Son tradition that existed many centuries before the common era. At a certain stage, due to the development situation and social needs, the bronze hammering profession became prominent, and Dai Bai was a prosperous center, at the latest in the 15th and 16th centuries. The person who created the bronze hammering profession was Nguyen Cong Truyen. His biography still needs to be further researched and verified. In fact, the craftsmen and artisans of this profession all acknowledge that Nguyen Cong Truyen was the "Forerunner", the first person to establish their profession. Dai Bai village has four hamlets: Tay hamlet, Ngoai hamlet, Giua hamlet and Son hamlet. Son hamlet is a new hamlet. However, this hamlet was also formed during the Mac dynasty (18th century). Previously, each hamlet specialized in producing a certain type of product. Tay hamlet specialized in making trays, Ngoai hamlet specialized in making pots, Giua hamlet made kettles and Son hamlet specialized in making basins. All were families of bronze hammering craftsmen, passing on their experiences to each other in the family and in the neighborhood for generations. People who do such jobs all consider themselves to be in the same guild. Today, Dai Bai village as well as Vo village continue to develop traditional jobs with strong cooperatives and private enterprises.
Along with technical improvements, equipment, self-made machines are effectively applied in production, creating diverse and unique products and expanding the product consumption market not only domestically, but also exporting to foreign markets.
+ Group 5 food processing: Some craft villages process noodles, dried vermicelli, cakes, lacquerware such as: Dinh Bang village (Dinh Bang commune, Tu Son town); An Ninh, Duc Lam, Cau Gao, Cau Giua, An Tap, Doai village (Yen Phu commune, Yen Phong district); Tu Ne village (Tam Lang commune, Luong Tai district); Tra Lam village (Tri Qua commune, Thuan Thanh district) process agricultural products; some wine-making villages such as: Cam village (Tuong Giang commune, Tu Son town), Quan Dinh village (Van Mon commune, Yen Phong district), Dai Lam village (Tam Da commune, Yen Phong district), My Xuyen village (My Huong commune, Luong Tai district).
+ Group 6 of other craft villages: In addition to the 5 craft groups mentioned above, in Bac Ninh there are also a number of other different craft villages such as: Dong Ho painting village, Choa village incense making (Dung Liet commune, Yen Phong district); Mon Quang Phu and Ngam Mac conical hat making (Lang Ngam commune, Gia Binh district); Dong Cao and Duong O do paper making (Phong Khe commune, Bac Ninh city); Tra Lam humpback bean making (Tri Qua commune, Thuan Thanh district); Banh cuon making in Mao Dien (Thuan Thanh district); bamboo and rattan weaving in Du Trang (Giang Son commune, Gia Binh district)... Many crafts and craft villages continue to develop in the historical process until now, there are also craft villages that are in a state of decline, typically Dong Ho painting village and some weaving villages of Luy Giang, Dinh Ca, Noi Due. However, in the trend of multi-sector economic development, the period of industrialization and modernization of traditional occupations and craft villages in Bac Ninh, including traditional and newly developed occupations and craft villages, always play an important role in the economic life of people in Bac Ninh province in particular and other localities in general.
1.3.2.3. Production models in craft villages
Like other craft villages across the country, the traditional and popular form of production organization in craft villages in Bac Ninh is the household. However, in reality, along with the general development of production level, in craft villages there have been many forms of organization.
New production organizations were born and developed, including private enterprise models, limited liability companies, and cooperatives. These forms "coexist and have a supportive impact on each other in the new conditions of the market economy" [33, p.83].
* Household production model: Surveying the practice of traditional craft villages in Bac Ninh, the traditional household production model still accounts for a high proportion and this model is still playing a major role in craft villages. Although in reality, other production organization models have appeared and operated effectively. According to documents from the Department of Agriculture and Rural Development of Bac Ninh province, Bac Ninh currently has hundreds of production establishments. This is not a difference of Bac Ninh province alone, but most of the provinces in the Red River Delta with developed craft villages are at the same general level. When discussing the household production model, although in some aspects, this form is still traditional, in reality, in craft villages with a high level of commodity production organization such as: Phu Khe fine art wooden furniture production village, Dai Bai bronze casting village, Hoi Quan weaving village... many households have a production scale and output larger than many business units. Production households have large amounts of capital, some even invest in production equipment and expand product types, factory equipment, and warehouses to serve production, such as the case of Mr. Ngo Dac San's family in Hoi Quan weaving village and Mr. Nguyen Huu Thinh's family in Dai Bai bronze casting village. In terms of production activities, they are still family-based, but in terms of scale, they are considered a business organization. The household production model that is also a limited liability company or enterprise is a fairly common phenomenon in craft villages in Bac Ninh province today.
In fact, according to the survey data of the Department of Planning and Investment of Bac Ninh province, in the craft villages of Dai Bai, Phu Lang, Phu Khe, Hoi Quan, there are over 30% of potential business households who want to establish enterprises in the near future. However, to encourage households to establish enterprises, all levels and sectors must implement synchronous and effective policies. The basic thing here is to bring benefits to the production facilities of the people in the craft villages.
* Cooperative production model: In craft villages, there are currently 131 cooperatives operating. Basically, after converting and operating under the 2003 Cooperative Law, most cooperatives are still engaged in production and tend to decrease. The main industries with a large number of cooperatives participating are woodworking; paper production; metal products production; weaving; agricultural and food processing. However, the development of cooperatives in Bac Ninh craft villages still faces many difficulties such as: narrow production space, limited capital, the dynamism and flexibility of cooperatives are not equal to enterprises and limited liability companies, especially in applying technology and converting production and business products. It can be seen that the cooperative production model in the current conditions of developing a commodity economy has revealed many shortcomings that are not suitable for the dynamism of the market economy. The cooperative organization model is generally only suitable for the subsidized economy in the 60s and 70s (pre-renovation period). Therefore, in the future, this production model will not develop strongly, giving way to other production models such as business organizations and limited liability companies.
* Private enterprise and limited liability company production models: In fact, in recent years, in traditional craft villages in Bac Ninh, new production models have been formed that are suitable for the development trend of the market economy, which are the organization of private enterprises and limited liability companies. According to statistics from the Department of Industry and Trade of Bac Ninh province and the Statistics Office of Bac Ninh province, in 2009, the whole province had 232 limited liability companies and private enterprises. By 2013, the whole province had over 410 limited liability companies and private enterprises, "in the case of Tu Son town, there were 75 limited liability companies" [31, p.85]. The rapid increase in quantity as mentioned above proves that these production models have brought high efficiency to craft villages. A field survey in Dai Bai bronze casting village showed that there are currently 50 private enterprises and limited liability companies in the village. The production facilities of these units are all located in the village's industrial cluster. In Phu Lang pottery village, this production model has also been developed, with 35 units. In Phu Khe wood carving village, there are currently a number of limited liability companies and private enterprises. In general,
Through practical surveys, it is shown that the current limited liability companies and private enterprises in Bac Ninh compared to the number of craft villages (62 craft villages) still account for a small proportion, but in the coming years, this form will be the nucleus for the development of Bac Ninh craft villages in the industrialization period.
Table 1.5: Number of non-agricultural production and business units by year
Organizational form
manufacture
2009 | 2010 | 2011 | 2012 | 2013 | 2014 | Quarter I/2015 | |
Household | 10,496 | 13,773 | 18,769 | 19,113 | 19,840 | 20,150 | 20,174 |
Cooperative | 173 | 164 | 147 | 131 | 154 | 172 | 193 |
Private enterprise | 87 | 91 | 113 | 156 | 104 | 153 | 164 |
Company Limited | 159 | 171 | 193 | 254 | 185 | 245 | 267 |
Add | 10,715 | 14,199 | 19,222 | 19,672 | 20,283 | 20,735 | 20,798 |
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Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
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zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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The main solution to improve the production and business efficiency of Agricultural and Food Industry Printing Company - 2 -
Growing the Number of Production and Business Establishments -
Investment and Efficiency Estimates for Agricultural and Forestry Production Development Planning Scheme -
Production and Business Performance Results of La Nga Forestry Company Limited

[Source : General Statistics Office and Department of Industry and Trade of Bac Ninh province]
* Craft village industrial cluster model
In the process of industrialization and modernization in our country, forms of industrial production organization by territory such as: concentrated industrial parks, small and medium-sized industrial parks, and craft village industrial clusters are being formed and developed. After the Government's Decision No. 132/2000/QD-TTg on a number of policies to encourage the development of rural industries, the Vietnamese craft village system has recovered and developed strongly, and begun to form craft village industrial clusters [33, p.97].
Resolution No. 02-NQ/TU dated May 4, 2001 on the construction and development of industrial zones and craft village industrial clusters of the Provincial Party Committee - People's Committee of Bac Ninh province is the legal basis for the formation and development of craft village industrial clusters in Bac Ninh. Craft village industrial clusters in Bac Ninh are formed and developed through two main ways: one is spontaneously from a production cluster built by households themselves, then developed into a craft village industrial cluster; two is, newly building a craft village industrial cluster according to the approved planning. In this direction,
Industrial clusters of craft villages producing recycled steel, fine art wooden furniture, household wooden furniture, copper products, aluminum products, silk products, various types of paper, garments, etc. have been planned for development in the districts of Tu Son, Tien Du, Yen Phong, Thuan Thanh, Gia Binh. Places with many households doing the craft, with many manufacturing enterprises such as in Tu Son, Yen Phong, Tien Du, Gia Binh, etc. all come to rent premises for production in industrial clusters of craft villages.
Currently, in Bac Ninh province, there are two types of craft village industrial clusters: multi-craft craft village industrial clusters such as Dong Nguyen, Phu Chan, Khac Niem industrial clusters... and single-craft craft village industrial clusters such as Chau Khe (steel production), Dong Quang (wooden handicraft production). In craft village industrial clusters, there are currently two different management models. Craft village industrial clusters invested by commune level (Chau Khe steel industrial cluster, Dong Quang wood handicraft industrial cluster, Ma Ong industrial cluster...) have used the advance capital of winning bidders and the state support capital to invest in building technical infrastructure, then collect from production units that lease land. This method is suitable for small-scale craft village industrial clusters (over or under 10 hectares) and in localities with high demand for land lease [33, p.98].
In fact, among the 26 craft village industrial clusters [Appendix 4], 20 craft village industrial clusters have been put into operation at different levels, while six industrial clusters have been approved but have not yet been put into operation. Some industrial clusters have been formed but have not paid attention to the organization of space and industrial landscape architecture: mainly arranged for production facilities with little attention to supporting functional works such as coordination areas, product introduction areas; lack of green space, lack of technical infrastructure works such as electricity, water supply and drainage (Chau Khe and Dong Quang industrial clusters); some production facilities in industrial clusters show signs of becoming new residential areas (Phong Khe paper industrial clusters); management boards lack experience due to the new model; compliance with tax policies and labor contracts of enterprises is still limited. The planning of construction

![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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