researched and applied. The main variety of Luong is still the stem variety and there is also the stem cutting variety.
From 1999 to 2003 marked a turning point in the processing of bamboo. During these years, many forest product processing establishments were established and developed, especially the bamboo chopsticks production industry (such as the Dong Nai - Lang Chanh Export Chopsticks Production Company Branch; Lam Son - Quan Hoa War Invalids Cooperative; Tien Son - Ngoc Lac Company, ...), along with the demand for bamboo for the construction industry also increased sharply (civil construction works increased by 11.4%, leading to a high demand for bamboo raw materials, bamboo prices also increased and people focused on exploiting bamboo, leading to a very strong increase in output, about 38%. In addition, in 2002, the Ministry of Forestry issued Decision No. 02/QD-BNN on timber and forest product exploitation, considering bamboo as a product of planted forests, so bamboo was autonomously exploited, freely circulated and consumed, creating opportunities for businesses to invest in expanding production and was the main reason leading to the area of Flow increased sharply (12%) in the 4 years from 1999 to 2003.
From 2003 to 2005, the exploitation output almost did not increase, was degraded, reserves decreased, and the exploitation output was low; the few areas with exploitation output (about 3 - 5% of the existing Luong area - estimated ) were located in areas far from residential areas, with poor infrastructure, especially roads, and high exploitation costs, while the price of Luong trees had increased but had not yet fully offset the costs, so there were no conditions for exploitation; in 2003 - 2004, the Purple Stripe disease of Luong bamboo shoots destroyed about 2,000 - 4,000 hectares of Luong forest in Thanh Hoa province (According to the Scientific Summary Report on the Research Project on Technical Solutions for Intensive Cultivation of Luong Forests of Ngoc Lac Forestry Research Center - Thanh Hoa)
Since the project programs such as Project 661, ADB, KFW4 have been implemented, along with the implementation of the project, propaganda work on science and technology has been carried out. Thereby, people's awareness of afforestation in general, and planting Luong in particular, has been raised to a new level: Most districts with concentrated Luong are planted by agroforestry methods, which have both short-term and long-term conditions.
Maybe you are interested!
-
Evaluation of productivity and economic efficiency of Acacia hybrid plantations at Tu Ly Forestry Enterprise, Da Bac District, Hoa Binh Province - 12 -
Evaluation of economic efficiency of Mong cattle raising of households in Pac Nam district, Bac Kan province - 14 -
Solutions for tourism development in Tien Lang - 10
zt2i3t4l5ee
zt2a3gstourism, tourism development
zt2a3ge
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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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Improving business efficiency of Vietnam Technological and Commercial Joint Stock Bank - 2
better care for the bamboo trees; planting bamboo trees with planning; applying technical measures such as producing and using grafted seeds, about 60 - 70% of households use grafted seeds that they produce themselves or buy from seed production facilities, care (clearing the bark, hoeing and hilling), fertilizing, etc. However, the number of people accessing and applying the above methods is still not much (about 30%) due to low education level, poor households, not having the conditions to apply, in addition, the work of propaganda, training and transferring science and technology has not received due attention due to lack of human resources, funding, means, etc. [1]

1.2.1. Studies of some economic efficiency evaluation models
Research on economic efficiency of intensive Acacia hybrid plantations by Doan Hoai Nam (2006) [15] in some forestry economic production areas such as Binh Duong, Quang Tri, Gia Lai, Thai Nguyen, the results showed that the internal rate of return IRR was in the range of 2.56 - 3.23%, so the calculated IRR in the provinces was 3 times higher than the preferential investment loan interest rate (5.4%), so the business of Acacia hybrid plantations in the research area was profitable.
According to the study of Pham Thi Hoai (2008) [11], the economic efficiency was evaluated in 3 models: 10-year-old purebred Acacia; 7-year-old purebred Acacia hybrid; 8-year-old purebred Acacia mangium. The growth and productivity of the Acacia hybrid model was the highest, after 7 years it reached the same productivity as the 8-year-old Acacia mangium and both reached more than 23 m 3 /ha / year. The worst was the purebred Acacia model, after 10 years it only reached 12.09 m 3 /ha / year.
In terms of economic efficiency, all models are profitable. The pure Acacia mangium plantation model gives the highest end-of-cycle profit: 49,320,921 VND/ha.
1.2.2.Research on Bamboo:
Bamboo is a multi-purpose non-timber forest product: it has both protective effects and high economic value and is widely planted in many provinces across the country. Therefore, studies on Bamboo have been recorded since the early 1960s, and Bamboo is one of the earliest forestry plants studied after the 1960s.
August Network. Below are typical studies and research results on bamboo cultivation over the past time.
a) Research on morphological and ecological characteristics
Bamboo (also known as Met, May sang mu), according to Le Mong Chan and Le Thi Huyen (2000) [7], the scientific name of Bamboo is Dendrocalamus membranaceus Munro. According to recent research by Chinese experts (cited in Nguyen Hoang Nghia, 2005 [18]), the scientific name of Thanh Hoa Bamboo is Dendrocalamus barbatus Hsueh et DZLi. It is a species of Bamboo that grows in clusters (axial, clump, clump...) belonging to the Bamboo subfamily (Bambusoideae), Graminaler order.
Researching on the morphological characteristics of Bamboo, Nguyen Ngoc Binh (1964) [3] said that Bamboo is a tree species with a straight, round, slender trunk, no thorns, and thick trunk walls. The tree has a diameter of 10 - 12 cm, and a trunk length of 8 - 20 cm.
m. Compared with common bamboo species, Luong has different characteristics such as: wider, shorter and darker green leaves, straight stem, evenly decreasing diameter, no thorns, few branches and small branch patterns, thicker stem walls.
Research on the growth characteristics and distribution of Bamboo, Le Quang Lien [14], shows that Bamboo is a very fast growing tree species, after 2 years it can be exploited as raw material for paper or house pillars or used for other purposes. In Thanh Hoa province, Ngoc Lac, Lang Chanh, Ba Thuoc, Thach Thanh, Cam Thuy, Quan Hoa, Thuong Xuan districts, ... are the most concentrated areas of Bamboo forest planting. In addition, Bamboo is also found in some provinces such as Hoa Binh, Ninh Binh, Nghe An, Ha Tinh, ... Currently, Bamboo has been planted in many places and grows and develops well in newly planted places [16]. Bamboo grows and develops well in places with thick soil layers (over 60 cm), fertile porous soil, especially on hillsides, streams, creeks, ... In places with poor, infertile soil, Bamboo grows and develops poorly. Bamboo cannot survive on waterlogged land. The demand for potassium in the soil of Bamboo is very large, the easily absorbed K2O content in the soil has a great influence on the growth of Bamboo forests [8].
Research on the phenology of Bamboo, Pham Van Tich (1963) [26], shows that Bamboo rarely flowers, after flowering (also known as being stunted), the tree dies. Bamboo flowers rarely bear fruit and form seeds, the germination rate of seeds is very poor.
b) Research on bamboo breeding
Because the ability of Luong seeds to flower and germinate is very limited, so far, Luong has been propagated mainly by vegetative methods. People have studied vegetative propagation of Luong by many different methods such as: grafting, cutting, rooting and planting...
+ Breeding bamboo by grafting method:
The breeding of bamboo trees has been clearly stated in Decision No. 05/2000/QD-BNN-KHCN of the Ministry of Agriculture and Rural Development on promulgating industry standard 04 TCN on technical regulations for planting and exploiting bamboo trees. Bamboo forests can be planted by rootstock, stem cuttings, dead cuttings or grafted branches, of which planting bamboo forests by grafted branches is the most effective.[5]
The method of grafting branches was studied by Le Quang Lien since the 1990s [13]. The results showed that branches with aerial roots have better rooting ability than branches without aerial roots. Branches with aerial roots can be directly planted in the soil (can give a rooting rate of cuttings over 90%). However, because the number of branches with aerial roots is very small (accounting for 11.6%), the multiplication coefficient of this method is not high. The method of using plastic bags to cover the pot and soil + mud can be grafted for branches without aerial roots and gives a rooting rate of 97%. And when the grafted tree has rooted, it must be incubated and cared for for 4 - 6 months to meet the standards for planting. In addition, the age of the branch and the time of grafting also have a great influence on the rooting rate of the branch. In general, the age of the tree should be 3 years or older, the age of the grafted branch should be 6 - 8 months and the grafting time from April to August is best.
+ Breeding bamboo by cutting method:
Creating bamboo varieties by cuttings has been promulgated as a technical process (QTN. 15-79) according to Decision No. 1649 QD/KT of the Ministry of Forestry, now the Ministry of Agriculture and Rural Development, dated November 26, 1979 (Ministry of Forestry, 1979) [5]. With this method,
The material used for cuttings is branches, using rooting stimulants such as 2,4D (1 gram of the drug dissolved in 50 liters of water); 2,45T (1 gram of the drug dissolved in 55 liters of water); Sodium and potassium salts of 2,4D (1 gram of water dissolved in 40 liters of water). After soaking the branches in the stimulant (about 9 - 15 hours), they are incubated by being placed in moist sawdust or moist sand until they take root, then they are planted in the garden or in pots, waiting until the cuttings grow well and produce at least the first generation of bamboo shoots before being planted.
The method of propagating bamboo seedlings by cuttings has a fast multiplication coefficient, meeting the standards of forest seedlings. However, to do this requires a professional and thorough training. [5]
In addition to the two popular methods above, there are some other methods being applied by people in some localities, which are planting by root and large shoots (root shoots) (Nguyen Ngoc Binh, 1963) [2]. This method has the advantage of being simple, not having to go through the nursery cutting step, high survival rate, the root has many eyes so it can grow strongly and quickly for bamboo shoots right from the first year of planting. This method has been applied by people for a long time, especially in districts such as Lang Chanh and Ngoc Lac (Thanh Hoa province). The limitation of the method of planting by root and shoot is that it takes a lot of work to dig the root, the breeding coefficient is low, and it is only applicable within the household. In general, there are many different methods to breed Luong, but the most commonly applied method today is cutting by branches and grafting.
c) Research on techniques for planting and caring for bamboo
+ Research on planting techniques
The technique of planting Luong forest was researched by Nguyen Van Tich (Institute of Forestry Sciences) from 1962 to 1965.
From 1986 to 1990, the Center for Experimental Forestry Research, Cau Hai carried out the project "Research on transplanting Thanh Hoa Luong trees to the central region" led by Engineer Le Quang Liem. Among the results of the project, the technique of creating Luong Bang seedlings from cuttings is worth paying attention to. From those results, the area of Luong in Thanh Hoa in 1973 was only 15,160 hectares, by 1980 it had increased to 40,000 hectares and by 2000.
In 2006, Thanh Hoa province had 65,942 hectares, of which 61,049 hectares were pure Luong forest and 4,893 hectares were mixed Luong forest with timber trees.[4]
Previous research results on Luong trees have been compiled and issued into technical regulations for planting and exploiting Luong forests. Typically, the Regulation on silvicultural technical solutions applied to timber and bamboo production forests (QN 14-92), technical regulations for planting and exploiting Luong trees (Industry Standard 04TCN22 - 2000) ... These documents clearly stipulate technical measures for planting and trading Luong forests, especially some technical measures such as breeding work, seedling standards, planting techniques, planting density, planting methods, planting season...[6]
+ Research on planting methods
Depending on local conditions, bamboo is planted as a pure forest, intercropped with agricultural crops, planted in a scattered manner or planted in mixed species with broadleaf trees.
If intercropping with agricultural crops: The distance between bushes is 5 - 6 m, between bushes, intercrop agricultural crops such as upland rice, cassava, corn, etc. (Nguyen Ngoc Binh, 1963) [2]. After about 2 - 3 years, Luong grows well and overwhelms the crops, so it is only advisable to intercrop agricultural crops within the first 2 years, then let Luong develop into a pure forest. Intercropping agricultural crops in the early stages not only brings economic efficiency to the people, but also combines the care and protection of Luong forests from being destroyed by livestock, and by-products after harvesting agricultural crops become a source of fertilizer for Luong forests.
Scattered planting of bamboo is often applied in scattered patches on fields or planted in hedges around family orchards. This method takes advantage of vacant land around gardens, fields, etc. However, bamboo trees are easily knocked down during storms.
The method of planting mixed species of bamboo with timber trees has the ability to increase the sustainability of the forest, stabilize bamboo production and limit the decline in soil fertility (Le Quang Lien and collaborators, 1990) [13]. However, choosing the tree species to plant with bamboo is a very important issue for the future development of bamboo. Function
The amount of humus, nitrogen, phosphorus, and potassium in the soil when planting mixed forests with broadleaf trees is much higher than when planting pure bamboo (Nguyen Truong Thanh, 2002).[23].
Some research projects have investigated the composition of regenerating timber trees under the canopy of depleted Luong forests to find native tree species suitable for mixed planting with Luong forests. Research results in Cau Hai, Phu Tho have found 6 species that can be planted under the canopy of Luong forests: re huong, chestnut, khao vang, oak phang, xoan dao, lim xanh (Nguyen Thi Nhung, 2004). [20]
Researching on the timing of intercropping bamboo with other timber species using mixed planting method, Nguyen Thi The (2005) [24] conducted 2 experiments on the timing of intercropping bamboo with Acacia auriculiformis at Ngoc Lac Forestry Research Station - Thanh Hoa, which was to plant mixed species of bamboo (300 bushes/ha) and Acacia auriculiformis (600 trees/ha) in rows at the same time and select existing Acacia auriculiformis forests to intercrop bamboo under the Acacia canopy.
Research results of Mai Xuan Phuong (2001) [21] on planting bamboo in a mixed method with black cassia and flower-shaped cassia in Lang Chanh - Thanh Hoa showed that the mixed planting model of bamboo and black cassia was more effective than other models in terms of yield, quality and protective effect.
+ Taking care of bamboo forest after planting
According to industry standard 04 TCN on technical regulations for planting and exploiting Luong trees issued by the Ministry of Agriculture and Rural Development under Decision No. 05/2000/QD-BNN-KHCN, after planting, Luong forests must be cared for for 5 years, 3 times a year in February to March, July to August and October to November. In the first year, in spring and summer crops, care is taken twice in July to August and October to November, in autumn crops, care is taken once in October to November.[6]
According to the research results of Nguyen Thi The (2005) [24], after taking care of the planted forest, although the tilled land was covered with plastic with the aim of keeping the soil moist and preventing fertilizer loss when fertilizing bamboo, the results obtained showed that
The results showed that the plastic mulching formulas had lower shoot growth coefficients and number of shoots per bush than the non-plastic mulching formulas.
d) Research on exploitation and harvesting techniques
+ Studies on the growth and development of bamboo shoots and bamboo trees
Research by Nguyen Ngoc Binh (1963) [2] On average, each day, the bamboo shoots grow 40-60cm in height and the diameter of the bamboo shoots remains almost unchanged.
The research results of Cao Danh Thinh (2004) [25] also showed that the diameter growth of Bamboo increased rapidly in the first 30 days after the bamboo shoots grew, after 30 days the diameter growth of Bamboo was relatively stable. However, during this period, the height growth of Bamboo continued to increase rapidly and reached a stable height after 100 - 110 days since the bamboo shoots grew. Thus, the growth of Bamboo reached a stable level in both diameter and height after about 110 days since the bamboo shoots grew. In the following period, the growth in diameter and height of Bamboo was almost insignificant.
Thus, the studies of the above authors have clearly shown the growth and development laws of bamboo shoots, however, the research on the ratio of bamboo shoots forming bamboo trees has not been mentioned by the authors.
+ Research on Stream Mining
Research on the intensity of Luong exploitation, Tran Nguyen Giang (1977) [9] showed that it is appropriate to apply a moderate cutting intensity (leaving 1, 2 year old trees) and the exploitation rotation is 2 years.
According to Mai Xuan Phuong (2001) [21], the appropriate exploitation method is to selectively exploit the age of the trees in the bush. The most suitable cutting age is from the 3rd year old tree, the remaining trees are the 1st and 2nd year old trees to lay and grow bamboo shoots.
e) Research on pests and diseases of bamboo
+ Bamboo pests:
Nguyen The Nha (2003) [20] discovered about 41 species of bamboo pests, belonging to 31 genera, 19 families, and 7 different orders. To prevent the above pests, it is necessary to apply




![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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