Solutions for Creating Tttd Reports at NHtm

information related to the law... Another way to update information related to the business is from the mass media through electronic websites. To save labor, commercial banks should equip themselves with tools to search for text information on websites, when encountering information

related to which business the tool will automatically update or

Notify the person performing the task to read and process it before storing the message.

Commercial banks need to have relationships with relevant authorities.

Maybe you are interested!

to businesses through the TTTD Center to collect additional information

supplement, compare, cross-check with the information you are storing. To Trung

If the TTTD center operates well and has enough information to provide to commercial banks, then the

Commercial banks must be timely and accurate.

Actively implement the reporting of information fully and promptly

3.2.2.5. Solution for creating TTTD reports at commercial banks

Commercial banks need to improve the operation of the TTTD department in terms of regulations, organizational structure, staff, IT equipment and communication means. It is very difficult to make general recommendations for commercial banks, because each bank has a different organizational structure and scale.

The collection of TTTD in the commercial banking system is carried out according to the system.

vertical from

each level of branches gathers about

Operations Center

(Center for Information on Risk Prevention and Handling). With this process, each bank level will be able to monitor the credit activities of its subordinate levels.

The operations center will monitor the credit activities of the entire system.

banking system. This source of information will help the Board of Directors evaluate the performance

credit operations and business operations throughout the system, is the basis for forming a database of customer information.

Information collection is carried out on a computer network, connected seamlessly from branches to the Operations Center via the commercial bank's communication network to ensure fast, timely, accurate and confidential information. The provision of output information serves the information needs of

branches in credit activities will be the opposite.

carried out according to procedure

3.2.3. Solutions to support the completion of the credit information system

3.2.3.1. Solution to enhance communication

technology applications

information technology, communication

For the development of TTTD activities, a modern technology system is needed, so the issue of technology and equipment serving this activity must be focused on investment, application and development. Bringing technology into this field to contribute to standardizing management criteria, on the one hand flexibly meeting the operation and organization of TTTD activities, on the other hand gradually conforming to international standards.

Currently, the system of machinery and equipment of the TTTD Center is relatively unmodernized. Therefore, to meet the information needs in the coming years, it is necessary to focus on the goal of automating the TTTD operations and services. Thus, it is necessary to implement the following solutions:

Build software programs that are modern, have high processing speed, are precisely synchronized, can exploit many new functions, ensure the most convenient service requirements for credit institutions, ensure transaction connectivity and when needed, report to serve management and operation;

Invest in upgrading computer platforms and servers running applications; build a powerful enough data processing server system at the Center, ensuring the data warehouse can store large amounts of customer records; build

A high-availability backup system ensures the operation of the center, so that there will be no interruption of transactions when there is a problem.

Network organization and network exploitation must ensure the requirements: centralization of customer information, automation of message response, customers can access information and retrieve information as quickly as possible; The TTTD center must build a software program to manage all customers accessing the data warehouse network to retrieve information at any time. To do so, it is necessary to invest in an additional Internet connection to meet the needs of allowing users to access the system at the same time without congestion.

The TTTD Center needs to quickly complete the data control software program (to avoid duplicate code issuance, control data from

Currently, with hundreds of thousands of customer records, the Center

TTTD cannot be controlled manually but requires a program to control the accuracy of the data before it is provided.

Develop network management regulations and security measures to ensure network safety; Develop revenue management software; Develop and complete an automatic message response program for members of the TTTD Center.

In the current economic conditions, saving to promote internal strength and economic development is an important strategy. Therefore, the TTTD Center needs to study the purchase and investment of appropriate equipment, avoiding waste while still ensuring the best service for work needs.

3.2.3.2. Market impact solutions to develop TTTD services

Reality shows that for an organization to be able to form, exist and develop,

sustainable development, in addition to administrative solutions, organizations

function as

above, and

It is necessary to have economic solutions to create motivation to promote development. In a market economy, it is impossible to use only administrative measures. We have known that many organizations were formed subjectively and have not really survived. Moreover, the development of the banking information system must be in the direction of socialization. The state budget cannot maintain long-term subsidies. Therefore, the Information Center needs to change its activities to increase autonomy, using revenue to offset expenditures according to the goal of being a public service unit. If the information service is promoted, the Information Center will have

self

cover expenses and still complete the task

expertise. As

terrible

The experience of telecommunications and Internet service agencies and some other public service units has been very successful due to the good implementation of service development in a market-oriented manner, focusing on economic motivation.

a) Revenue sources of the TTTD Center

The TTTD Center can collect fees from many sources through the development of TTTD services such as:

Collect service of providing TTTD report;

Revenue from providing corporate credit rating reports;

Collect annual participation fees from customers participating in information mining;

Charge consulting fees for customer research and selection;

Collecting credit rating fees from the business itself

They proactively came to ask the TTTD Center to classify them for improvement.

image and easy access to capital sources in the financial and credit markets;

Revenue from TTTD newsletter;

advertising for businesses, commercial banks on products,

Consulting services to support the design of collection, processing, and provision of information systems, internal classification systems for commercial banks, and financial report analysis...

In general, the revenue of the TTTD Center is very rich and diverse, and TTTD business in the market economy is really a very profitable business, so in most countries this type of service develops very well, is prosperous, and facilitates the information needs of commercial banks and other customers in the economy.

b) Solutions to impact the TTTD market

There are many ways to influence this market:

Create a favorable legal corridor for the characteristics of the electronic information technology market.

development field, note

System

The TTTD system needs to create more products to supply.

apply to the market

school, improve quality to

create

customer attraction and lower

price

to lower the price of information, in order to stimulate information use.

Commercial banks need to attach importance to the use of credit information and consider credit information costs as part of the credit price.

Add more people

information for the market

school, by

muscle formation

TTTD agencies in the areas to

create

healthy competition

strong, creating development momentum for the TTTD system.

The TTTD agencies (especially the TTTD Center) must be proactive.

dynamic

Creative does a good job of creating advertising campaigns to expand the market.

school, promote propaganda

Research on forms of applying advertising fees for information

3.2.3.3. Solutions to the legal environment for TTTD activities

In a market economy, any activity can only exist and develop when there is an effective legal corridor. Therefore, to develop

development

banking system is the problem

It is important to create an environment.

favorable legal environment. This is both a requirement and a necessary condition.

Creating a legal framework is a fundamental requirement for building a fair and effective information sharing environment. There are four basic contents that the legal framework needs to address: who can share information; the content of the information that can be shared; regulations on access and disclosure of information; and the borrower's rights to update and object to the data stored about them.

Usually governments assign the task of building the framework

This law gives the central bank five tasks.

owner

following factors: (1) building regulations

regulations permitting the establishment of both public and private information technology centers;

(2) develop a framework of rules to manage TTTD activities; (3) grant licenses

specialized activities for TTTD companies; (4) monitoring activities

(5) promote the use of information technology to credit institutions and government agencies.

3.2.3.4. Propaganda and mobilization solutions to improve credit culture

Through summarizing activities and practical experience, it is shown that in a market economy, the activities of the TTTD as well as any industry can be limited if the propaganda and advertising work is not done well. The purpose of this solution is to focus on clarifying the benefits of the banking TTTD system for the economy, for the business activities of credit institutions and for customer support. Therefore, it is necessary to promote extensive propaganda to all levels and all staff. First of all, it is necessary to enhance the responsibility of direct units.

Participants in the information sharing system clearly see the responsibilities and benefits of information sharing, specifically:

State Bank (including departments, bureaus, affiliated units and branches)

The State Bank of Vietnam needs to further promote the effects and benefits of

TTTD in providing information to the State Bank to serve its tasks, supervise the activities of credit institutions and provide information to credit institutions to contribute to preventing and limiting risks in credit business. Propaganda must be carried out in many forms, many channels and must take time to gradually improve credit culture for credit participants, as well as for the whole society, creating a healthy and transparent TTTD environment.

For propaganda to be effective, for the common benefit of the economy and the whole society, scientists and economic research institutes need to get involved, need to promote more research on the theoretical basis of TTTD, on the methods of conducting TTTD activities, thereby both propagating and creating the premise to promote TTTD practical activities.

Universities and banking faculties need to conduct research soon to include credit rating techniques in their curriculum, including credit rating methods, an important tool for banking.

credit appraisal work, to

gradually replace

appraisal method

Traditional information-based appraisal and credit rating.

3.2.3.5. Solutions to strengthen relationships with international information organizations

The need for international integration requires the State Bank system to develop more and more, especially to rapidly develop non-cash payment methods in both quantity and quality, and the equitization process.

will be implemented in State-owned commercial banks. Banks must actively participate in the development of financial markets and money markets; diversify forms of capital mobilization. Thus, the risk factor in banking activities will also be larger and more sophisticated. This situation places higher demands on the State Bank's credit information system, requiring credit information activities

must develop further to meet the information needs of

State Bank and help credit institutions prevent and limit risks in business.

In developed countries, information centers and business agencies have developed quite strongly according to the demands of the market economy. These centers collect, analyze and sell many different types of information to meet the needs of the market.

relatively complete

Buyer's request. Depends

according to

school, business

operational experience that these Centers can delve into in a field

some specialized information or general information business. In the field of credit information, currently in developed countries around the world, there are many Centers and agencies specializing in this type of information business and have effectively supported commercial banks in general monetary business activities as well as credit and investment activities in particular. Currently in neighboring countries, there are also some large information centers such as: Center

CIC (Vietnam), CB Center (Malaysia), China... These are the Centers

The center operates very effectively, with branches in many provinces nationwide.

specializes in providing economic information, credit information, business evaluation and classification, business consulting for businesses...

In the coming time, along with the demands of the market economy and creating

legal conditions of the State, certainly the Center

The State Bank of Vietnam will soon establish relationships with a number of specialized business centers.

economic information business in

developed countries. This is the opportunity

good for the