40 - 50 days), the least is Quynh Luu, Quy Chau (10 -15 days). The Southwest wind has caused dryness, heat and drought, seriously affecting production and life.
Nghe An also has some special weather phenomena that are heavily influenced by storms and tropical depressions, on average 2-3 storms per year, the strongest wind sometimes gusts above level 12, the storm season is usually in August - October, storms come with heavy rain, causing floods in many places in the plains and mountains, causing great damage to people and property. Frost is only likely to occur in high mountainous areas and some midland areas with terrain and soil favorable for the penetration of cold air and loss of temperature due to strong radiation from the ground such as Phu Quy. This weather phenomenon has a certain impact on tourism development, especially causing danger to tourists.
Regarding hydrology, Nghe An has a fairly dense river system, with an average river density of about 0.9 km/km 2 . The whole province has 7 rivers flowing directly into the East Sea with an average length of about 60 - 70 km. The largest river is the Ca River (Lam River), the remaining rivers have small basins of about 2000 - 3000 km. The Ca River is 532 km long, originating from upper Laos, and the section flowing through Nghe An is 375 km long, with 11 large and small waterfalls, some of which have potential.
hydropower construction potential. The main branches of the Ca River include: Nam Mo River, Nam Non River, Hieu River, Gang River, Giang River. Most of these branches are located in mountainous areas with the characteristics of large river slopes, narrow beds, few alluvial flats, and wider river beds downstream. In addition, there are canal systems for the purpose of leading and extracting fresh water for production or daily life. In general, Nghe An's hydrological system has relatively abundant surface water resources to meet the production and daily life of the people, although the distribution is uneven over time and by territory, the flow regime of the rivers changes greatly by season, so it still creates localized flooding or drought in many places in the province.
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Solutions for tourism development in Tien Lang - 10
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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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Overview of the Economic, Social and Educational Situation of Dak Glong District, Dak Nong Province -
Economic and social changes in My Duc district, Ha Tay from 1991 to 2008 - 21 -
Economic and social changes in My Duc district, Ha Tay from 1991 to 2008 - 15
Nghe An is located in the transition zone of two North-South climate zones, tropical monsoon climate, with cold winters from the North, while also bringing the hot characteristics of the South, affecting the development of rich and diverse tourism according to the climate season.

* Some key natural resource potentials for development
tourism development:
+ Pu Mat National Park is located in the territory of 3 districts Anh Son, Con Cuong and Tuong Duong with an area of 91,113 hectares of the largest natural forest in the North; rich and diverse flora, with 1,513 species; fauna has 42 species. In the area, there are many rare species of flora and fauna listed in the Red Book of Vietnam and the world; the system of hills, mountains, streams, and waterfalls in the national park is very convenient for organizing various types of tourism: eco-tourism, resort, research and adventure tourism. There are also many ethnic groups living here with many customs and practices and brocade weaving, many specialties such as Mat fish... which will create many attractive tourism products.
+ Pu Huong Nature Reserve: Covering an area of 49,860 hectares. Through investigation and survey, it was discovered that the ecosystem is diverse and rich with 291 species, including 63 species of mammals, 176 species of birds, 35 species of reptiles, and 17 species of mammals. There are a total of 88 families, 26 orders, of which 45 are listed in the Vietnam Red Book. Regarding plants, there are 665 species belonging to 341 genera and 117 families, of which 43 species are listed in the Vietnam Red Book. This is a potential for organizing ecotourism and trekking tourism.
+ Hung Hoa Mangrove Forest in Hung Hoa commune, the suburbs of Vinh city, has a vegetation cover of Mangrove trees covering 70 hectares. In addition, there are also some other types of trees such as mangroves, vines... This place is also called Tram Chim Hung Hoa, a habitat for many types of birds such as storks, herons, Sau birds, Cu Giay...
+ Tham Noi Cave in Chau Thuan commune, Quy Chau district is a large cave.
many diverse stalactites with different shapes. In the cave, the houses
Archaeologists have discovered fossils and dwellings of ancient Vietnamese people. This place attracts many tourists every year.
+ Bua Cave. Located in Chau Tien commune, Quy Chau district, it is a scenic spot associated with many historical legends, customs, and community cultural activities of the Thai people. It is a cave associated with mountains, rivers, and strange stalactites, so this place is a beautiful landscape that attracts people. In 1937, King Bao Dai chose this place to hold a beauty contest. Every year, Bua Cave organizes a festival with many activities and diverse forms of activities, attracting a large number of tourists to visit.
+ Khe Kem Waterfall. The waterfall is located in Pu Mat National Park, 500 m high, the water flows all year round from above, pouring down like a white silk strip on the green background of the garden. On both sides of the waterfall are vegetation with hundreds of types of flowers. The average temperature in the summer is 20 degrees, very suitable for organizing all types of tourism. This place also has specialties such as wine, vegetarian rice, bamboo rice with the culture of the Thai ethnic group, which are unique ingredients to create products for tourists.
+ Cua Lo Beach. It is a beach longer than 8 km, with fine and flat white sand, clear blue sea water, moderate salinity, and the sea water changes with the seasons: winter is about 18-20 degrees, summer is about 25-20 degrees. Not far from the resort is a system of islands that create beautiful scenery for the resort. Cua Lo is famous for the Sea Daisy flower that King Bao Dai brought from France to plant. Currently, the tourism service system here is relatively good compared to the area.
+ Quynh Phuong - Quynh Luu beach is a beach over 10 km long with fine white sand and clear blue water. This is a newly exploited beach so it still retains its pristine beauty. There are also many types of seafood at reasonable prices, so it has attracted many tourists to come and relax.
+ Lan Chau Island, Ngu Island, and Mat Island are intact islands with long, beautiful beaches, clear blue water, and white sand, very convenient for organizing tourism services for visitors.
2.1.2. Potentials and advantages in terms of economic, social and human conditions
Nghe An was formerly a common Vietnamese land, during the Qin Dynasty it belonged to Tuong Quan, during the Han Dynasty it belonged to Cuu Chan, during the Ngo Dynasty it divided the district of Cuu Chau and named it Cuu Duc, during the Song Dynasty it was named Chau Hoan, later it was changed to Nhat Nam district, during the Tang Dynasty it was named Ba Chau (Hoan, Dien, Duong Lam). When it came to the Dinh and Le Dynasties it was named Chau Hoan, during the Ly Dynasty in 1010 Chau Hoan was used as a camp, in 1036 under the Ly Thai Tong Dynasty it was renamed Chau Nghe An and the name Nghe An appeared from that time as an ancient land, where archaeologists have scientifically researched and found traces of ancient people living there since the Paleolithic era.
Through the process of national liberation struggle, conquest, and transformation of nature and society, this land has been created with a rich cultural history, a treasure of architectural culture and a traditional humanistic value with a unique way of behaving and social relations, with the character of the people of Nghe An, although strict, strict, and severe, but above all is honesty, living with enthusiasm, righteousness, diligence, simplicity, studiousness, strong will, courage and community solidarity. That precious characteristic of the Nghe people has been accumulated and trained through many generations, through many eras in extremely harsh struggles for survival, development and has become the main factor in producing famous historical figures, scholars, scientists, and cultural figures such as Mai Hac De, poet Ho Xuan Huong... and especially Ho Chi Minh - the genius leader of the Vietnamese people, the national liberator, an outstanding cultural figure of humanity.
Nghe An is the place that first marked the tradition of proletarian revolutionary struggle in Vietnam with the Nghe Tinh Soviet movement in 1930 - 1931 opening the revolutionary movement throughout the country.
During the two resistance wars, Nghe An was a great rear base of the front line, contributing greatly in manpower and resources to the cause of national salvation and defense. Nghe An trained many generations of talented people and scientists who have devoted all their talents, virtues and intelligence to contribute to the construction of the country.
2.1.2.1. Tangible cultural tourism resources
Historical, cultural and artistic relics of Nghe An. According to statistics of the Department of Culture and Information of Nghe An, by 2006 there were nearly 1,000 historical and cultural relics recognized, of which 131 historical and cultural relics were recognized at the national level.
The relics are mainly concentrated in the plains such as Hung Nguyen, Nam Dan, Dien Chau, Quynh Luu, Nghi Loc, Yen Thanh, Do Luong districts and Vinh city. However, the density of relics is highest in Vinh city (50/1100 km2), followed by Nam Dan, Hung Nguyen, Dien Chau districts... Most of the relics ranked in Nghe An are historical and cultural relics, of which the group of historical relics, archaeological relics, architectural works, communal houses and pagodas account for a large number; in which the group of scenic relics associated with the life of President Ho Chi Minh has a very important position in the system of human resources of the province and is also the object that attracts many tourists to visit in recent times.
Some outstanding historical and cultural relics:
Kim Lien relic site: Kim Lien relic site is associated with the childhood of President Ho Chi Minh. This place still preserves Uncle Ho's childhood memories and family relics. This place also has many relics such as Hoang Tru relic cluster (maternal hometown, Pho Bang Nguyen Sinh Sac's house, Cu Hoang Duong's house, Hoang Thi Loan's tomb...) which annually attracts a number of domestic and foreign tourists to visit.
Nghe An Ancient Citadel was built in 1804 under the Gia Long Dynasty and in 1831 was built of stone with 3 gates: Front, Left and Right. This is the proof.
records many historical events during the Nguyen Dynasty and the resistance war.
Nghe An people's war against the French.
Vac Village: An archaeological site in Nghia Hoa commune, Nghia Dan district, Vac Village has been known since the early 70s. Over the past 10 years, archaeologists have collected thousands of cultural artifacts representing the Dong Son period, about 2,500 - 2,000 years ago, with the perfect level of bronze casting.
Mai Hac De relic site in Nam Dan district, located in the Dun mountain tourist complex, currently has 3 typical constructions: Mai Hac De temple, Mai Hac De tomb and King Mai's mother tomb.
Cuong Temple - An Duong Vuong: About 30 km north of Vinh city, following National Highway 1A, the temple is located on the side of Mo Da mountain (also known as Da Muoi). It is a place to worship Thuc An Duong Vuong along with the legend of the magic crossbow. Every year on the 15th day of the 2nd lunar month is the Cuong Temple festival, which is solemnly celebrated by the people.
Hoanh Son communal house relic (Khanh Son - Nam Dan)
Trung Can communal house relic (Nam Trung - Nam Dan)
Con Temple relic (Quynh Phuong - Quynh Luu).
Temple and tomb relic of Nguyen Xi (Nghi Hop - Nghi Loc)
Vinh Citadel Relic (Vinh City)
Hong Son Temple Relic (Hong Son Ward - Vinh City)
Relic of comrade Le Hong Phong's house (Hung Thong - Hung Nguyen)
Ben Thuy relic site (Vinh city)
Cua Lo scenic relic site (Cua Lo town)
Bua Cave Relic (Chau Tien - Quy Chau)
Pu Mat Nature Reserve (Con Cuong)
Bach Ma Temple Relic (Vo Liet - Thanh Chuong)
Qua Son Temple Relic (Boi Son - Do Luong)
Vo Liet communal house relic (Vo Liet - Thanh Chuong)
Martyrs' Cemetery 12/9 (Thai Lao - Hung Nguyen)
Ong Hoang Muoi Temple Relic (Hung Thinh - Hung Nguyen)
Relics of Red Village Party Committee of Hung Dung (Hung Dung - Vinh City)
Vietnam - Laos Martyrs Cemetery (Anh Son)
Quynh Van archaeological site (Quynh Luu)
Dong Mom archaeological site (Dien Tho - Dien Chau)
In general, although the number of relics in Nghe An is large, they are still scattered. Some relics have not been restored, so their value in attracting visitors is not high; some relics have not been invested in traffic infrastructure, so it is difficult to travel, affecting the attraction of tourists to visit.
2.1.2.1. Intangible cultural tourism resources
Nghe An is not only rich in tangible cultural products but also very rich in intangible cultural products, which have the power to attract tourists. As a land rich in human identity, with a tradition of fighting to protect the country, overcoming natural disasters, the folk culture here is very rich, imbued with identity such as: singing vi dam, hat phuong vai, ho, ve... creating a unique cultural community activity of Nghe An to serve tourists when coming to Uncle Ho's homeland.
Nghe An is famous as a land of culture, a sacred land of Dai Viet in the past, and is also a land with many ethnic minorities living with many rich and unique customs and festivals. Nghe An festivals have characteristics of the traditional wet rice culture, their festivals are closely linked to the harvest season and are one of the places that preserve the national cultural treasures, attracting tourists to visit and study. Through festivals and ceremonies, to some extent, tourists can see and understand the customs and practices of the local people. Because festivals are a form of activity
A unique culture reflects every aspect of life of each ethnic group. Festivals are often associated with historical sites and are often part of the attraction and promotion programs of tourist areas.
According to statistics, Nghe An has 24 festivals, the most popular of which are historical festivals, folk festivals and religious festivals of ethnic minorities. In addition, there are also special festivals such as the Sac Bua singing festival, Sai San festival, rain praying ceremony... In general, the ethnic groups in Nghe An still retain many unique cultural activities imbued with national cultural identity.
Typical festivals of Nghe An:
- Nam Dan district has the Lotus Village Festival and the King Mai Thuc Loan Festival.
- Do Luong district has Qua Son Temple festival, Nguyen Canh clan festival
- Quy Chau district has Hang Bua festival
- Quynh Luu district has Con Temple festival, Ho family festival
- Dien Chau district has Cuong Temple festival
- Anh Son district has the festival of Drinking Water and Remembering the Source
- Cua Lo town has Cua Lo River Festival
- Hung Nguyen district has Hoang Muoi Temple festival, Hen procession festival
- Thanh Chuong district has Vo Liet communal house festival and Bach Ma temple festival.
- Vinh city has Hong Son temple festival
- Nghi Loc district has Nguyen Xi temple festival.
- Nghia Dan district has Vac village festival
- Xang Khan Festival (Nghe An mountainous region, January 21-23 of the lunar calendar every year)
2.1.2.3. Traditional craft villages
Nghe An's traditional crafts and craft villages are very rich and diverse, having existed for a long time, closely associated with the customs and daily life of the people of many villages and communes; many villages and hamlets have had their craft village ancestors and have been built into village tutelary gods. Due to the impact of many factors, some craft villages in the area have no longer been able to maintain regular production activities.


![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 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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