like the leaves in the forest that cannot be counted, I wish tomorrow I would go to the river/ I wish the deer would give birth to a female deer/ Like bamboo shoots growing in March, Vehicles like buffaloes lurking on the mountain, You will be fragrant like a newly picked pear ... (Duong Thuan); Many young poets like Dinh Thi Mai Lan also often use many comparisons: A life of hardship/ Father cultivates the crops of love/ Not waiting for the day of harvest/ The children, though as solid as ironwood/ Though as firm as mountains/ Still round as pebbles/ Rolling towards father ( Father's Field ), sometimes the comparison is hidden: I am a small pebble/ Moss and mistakes/ Strange lullaby/ Deep and clear stream ( The sound of the zither in the night )... With Vi Thuy Linh, she also often uses comparisons but the things used for comparison are often angular and rough like the dark side of life: The night is as vast as compassion, The leaves are as rough as a widow's eyebrows ... In this aspect, poetic language creates a powerful effect in expressing previously hidden emotions, it carries the breath of primitive life, bold and strong like Doan Thi Lam Luyen when comparing: Jealousy like boiling and anger like crazy, The night is as long as a firecracker/ Tearing apart the age of twenty ... and is very different from Bui Thi Tuyet Mai (Muong): Our peace/ Like raindrops falling from a thatched roof/ The house/ Heaven and earth/ Peace comes from there , etc…
3.2.2. Tone
Poetry is a creative product of each individual, each soul. Each author has his own way of expressing and expressing. Besides words, images..., poetic tone affirms and is an important factor that creates the style of a poet. Tone reflects the social stance, attitude, feelings and even aesthetic tastes of the author. In poetry, many different tones can be interwoven and mixed and have rich changes. Many poets have sought poetry in everyday life, so poetic tones have left their mark and achieved remarkable successes. Tone clearly expresses the poet's inner self before life. Interwoven between many types of voices, many tones, there are gentle, sweet voices but there are also strong, powerful, bold voices, sometimes even dry in narrative prose style. The unique features of tone originate from the unique features of the era, of culture, of human psychology. Different ways of feeling and thinking have led to differences in writing style and tone.
Maybe you are interested!
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Tay ethnic poetry from 1945 to present - 2 -
Tay ethnic poetry from 1945 to present - 5 -
Tay ethnic poetry from 1945 to present - 10 -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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zc2o3n4t5e6n7ts
At that time, the Branch had to set aside a provision for credit risks, which reduced the 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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Images of Artistic Space in Tay Poetry
But if the poets of the lowlands have been very successful in exploiting the musicality in poetry (the current trend is that many poets reject rhyme and rhythm), the majority of ethnic minority poets in general and the Tay ethnic group in particular still do not pay attention to this characteristic. Y Phuong, sometimes with his explorations: My father's voice falls and hums in the silence/ The immense silence carries the scent of my father going far away ( The road home ) is still very different from Dew follows the moon stopping in the sky/ Longing lifts the heart up in despair (Xuan Dieu), Oh, my dear, Poland, the snow melts/ The white poplar road is filled with dew and sunshine (To Huu) or High talent, low fate, depressed spirit/ Wandering around, lost in play, forgetting the homeland (Tan Da)... of the previous century.
Maiacovsky once affirmed that rhythm is the basic strength, the basic energy of a verse. Verses and rhymes have a charm that even when the words and ideas are bad, the poet still captivates the listener with rhythm and balance (Isokrate). The poems of Mai Lieu, Duong Thuan, Ma Truong Nguyen often have a whispering, intimate tone when telling stories. The poems of Y Phuong, Luong Dinh are often deep and quiet with a philosophical tone; meanwhile, some female authors tend to express a gentle nature such as Nong Thi Ngoc Hoa, Hoang Kim Dung, Ta Thu Huyen, Nong Thi To Huong... There is a poet who, although not yet able to form a consistent style, has a strange voice, that is Be Thanh Long. The homeland in the distance is skillfully described by Be Thanh Long with strokes that include both people, scenery and most of all, the feelings of a person far from home:

Surely this morning my hometown is covered in silver mist, On the shore the roofs are slightly raised...
Surely the afternoon is coming and the forest is rustling. The valley is dimly green, the indigo fields are green. The young grass is still swaying and not sleeping.
The buffalo steps waiting for the calf to wander.
( Shadow of Homeland - Be Thanh Long)
Duong Thuan is different, he is like a folk storyteller with countless stories to tell in a charming voice about the customs and life of his hometown: Bac Kan, the pine trees shade the streets/ The winding mountain roads/ The homeland of four...
The season of blooming flowers/ The house on stilts in the middle of the apricot forest… The contemplative tone is often found in some poets of the second and third generations; it most clearly shows human contemplation, especially the self-conscious monologue that stands out the most. In contrast to the gentle, confiding tone, there are some authors who express their emotions very boldly, exposing their egos to life. There we encounter many different “levels”, there is freedom, wildness, strength but also wit, mischief, humor as if to laugh and destroy, to renew life. It resembles the strong character and straightforward soul of the highland people, as Lo Ngan Sun said about the highland six-eight verse: Oh, the highland six-eight verse/ Winding slopes, roaring waterfalls/ Even and odd rhymes - building a suspension bridge/ The rhythm of going six-eight over Lung Pung pass...
Due to the development of the tone and way of speaking of everyday language, ethnic minority poetry in general and Tay ethnic poetry in particular often shows a very simple "reasoning" nature. When denouncing the invaders who destroyed his homeland, Nong Minh Chau wrote in a tone that was both indignant and sorrowful:
The hawks have come in droves, tearing apart the dear quiet sky.
Bombs fell down, tearing the afternoon carpet of leaves. The indigo fields, cotton fields, and corn hills
The familiar stilt house by the forest suddenly turned desolate.
( Through Lang Chanh fields )
Mai Lieu's poems always express nostalgia for her homeland, so her most constant, passionate tone is: Oh my homeland, my homeland/ Hidden by the clouds and mountains/ The stilt house's kitchen is still burning/ The way back is quiet with steps ( Vong Ngan ). Many poets try to renew their tone by prolonging the gaps and silences as an excuse for emotions to multiply:
Violin Violin Oh I Wish I Were With You
One
g…i…c
t...he...e...n...g!
(Y Phuong)
The Tay ethnic poets of the first and second generations often have a writing style influenced by folk sounds such as luon, then, phong slu, phuoi pac... Trieu An brings joy, each verse is like a joyful cry, sometimes praising the renewed life: The valley in spring, Cao Bang oh/ Revolutionary homeland, a sky/ Mountains and rivers are a big construction site/ This land is more joyful land ( The valley in spring ); sometimes recreating the atmosphere of the days when young men and women of the Tay ethnic group went to fight against the enemy: The boys of Ky village/ Sing again/ Songs to liberate the South/ Songs to give flintlock guns to the girls who work hard/ Songs to call the moon to rise with the scent of lotus and young rice/ Harmonizing with the sound of birds carved on the floor ( In the middle of the young rice season )...
Some Tay ethnic poets such as Y Phuong, Mai Lieu, Duong Thuan, Luong Dinh, Dinh Thi Mai Lan... show their efforts to harmonize and combine national and traditional elements with modern colors in their expressive tone, especially conscious of preserving the musicality of poetry. In Tay ethnic poetry from 1945 to the present, free verse in prose style is quite rich. It breaks the outer shell of form to reach the inner unity of emotions. The expansion of free verse contains many meanings: I leave the Sli verse/ I leave the Luon verse/ I leave my shirt/ I don't wash the gutter water/ I don't make sticky rice/ The "a oi" verse falls under the floor/ Scattered/ I go... ( Okay, I just go - Hoang Chien Thang).
It can be seen that the very early movements more than half a century ago have demonstrated the undeniable successes of Tay ethnic poetry with the richness of genres, from old styles to new experiments, from short poems to long genres such as epics; the diversity of language and tone: from the typical simplicity and rusticity to new innovations... Although sometimes it leaves a strong impression, sometimes it is just an unfinished experiment, but what needs to be affirmed is the uniqueness and prominence of Tay ethnic poetry compared to other ethnic minorities, partly due to the flexibility and innovative efforts of all four generations of authors in exploring the form of expression.
3.3. Some typical poetic symbols
3.3.1. Poetic symbols
National history begins with the formation of a culture, but not every culture has a strong national identity. French anthropologist
Claude Lévi Strauss said: “One cannot decide where to go if one does not first know where one comes from” [45, p.282]. The contribution of an artist is not to describe the national culture, the important thing is that they must stand from within their national culture to reach high, go far to new perceptions. The study of each culture needs to attach importance to the study of symbols because symbols are the “basic unit” of culture and culture is a set of systems of symbols.
There are many ways to define symbols, according to the Vietnamese Dictionary : Symbol is "a form of perception, higher than sensation, giving us an image of an object that remains in our mind after the impact of the object on the senses has ended" [70, p.67]. A symbol is a message-like object used to indicate something outside of it, according to a conventional relationship between the object in the message and the object outside. In other words, a symbol is something visible that carries a convention, a sign that leads us to something invisible; Doan Van Chuc believes that a symbol is "a medium that helps us perceive the imperceptible" [22, p.67]. According to the Dictionary of World Cultural Symbols , a symbol "reveals the mysteries of the unconscious, of action, opens up the mind about the unknown and the infinite" [19, p.VIII]. A symbol carries a specific meaning that is recognized by members of a culture. When mentioning that symbol, people will think of that nation, that land, that cultural region and vice versa. For example, when talking about Vietnamese culture, we cannot forget the One Pillar Pagoda, the Temple of Literature, the Ao Dai, the lotus flower, the betel box, the Chung cake... Symbols are always associated with the culture of the ethnic group and the land because the process of symbolization (the process of comparing and associating between the expression and the expressed) is influenced by the natural environment and social circumstances. The role of symbols in the spiritual life of each person is extremely important. Symbols "make children and people feel that they are not lonely and lost creatures in the large surrounding group" or "Symbols express a reality that meets many needs for awareness, love and peace" [19, p.587], because "resisting symbols is to cripple a part of oneself, impoverishing the whole of nature; and under the mechanism of realism, flee the most authentic call to a full life.
A world without symbols would suffocate: it would instantly kill the spiritual life of man” [29].
When examining a poetic work, understanding the meaning of symbols is an important task. It helps to better understand the message conveyed, to discover the hidden spiritual world inside, the cultural sediments... Unlike cultural symbols, according to Hegel, poetic symbols can possess all real phenomena, dissolve into the inner feelings and nature of things to create an indivisible whole. As Jean Chevalier said: "It is not enough to say that we live in a world of symbols, we must say that a world of symbols lives in us" [19, p.XIV]. However, poetic symbols do not coincide with cultural symbols but are reconstructed through artistic signals, which are words. At this time, in a linguistic text/poetic work, the cultural symbol will act as the "original model" to enrich the meanings of the poetic symbol - the characteristic meaning of the cultural symbol is preserved and the derivative meaning after being perceived.
We chose to examine symbols in modern Tay poetry with the aim of finding the connection between the meaning of cultural symbols that have existed in the Tay people's consciousness and the meaning of preservation/change in modern poetic works.
The Tay people have a deep religious culture since the early period, continuing to develop according to dynamic trends until the present. The symbolic system of the Tay culture is extremely rich. The origin of the Tay ethnic symbolic system is formed from the following four main causes: originating from ancient customs, practices, and folk beliefs ( Mother Hoa, Lady Hai, kitchen fire, Phac Phien flower ...); symbols originating from folk compositions as well as famous written works ( Tai Ngao, Nguu Lang - Chuc Nu, Tu Ma - Van Quan, Ba Nha - Tu Ky ...); symbols originating from spiritual and cultural life ( tinh lute, then singing, scarf, bridge ...); symbols originating from images associated with daily life ( stone, rice plant, horse, indigo shirt, lamp ...). Besides, there are symbols that are similar and have many similarities with other ethnic groups and the Kinh people such as mountains - rivers, banyan trees - ferry - communal house yard, fish - water, butterflies - flowers ...
The survey of Tay folk literature genres, which are quite diverse in genre and rich in number of works, shows a unique point that the symbols that have been associated with the Tay ethnic life all appear densely in folk works. There is no contradiction or negation of each other in terms of expressive meaning. Especially in Tay folk songs, a typical genre of folk works, symbols/pairs of symbols appear with high frequency. In such a massive and rich "treasure" of cultural symbols of the Tay ethnic group, we have selected some typical symbols: Mother Flower, rice, Tinh lute, horse . Surveying the development and transformation of those symbols in Tay poetry in the modern period to see how the culture is absorbed and inherited in the face of the "invasion" of modern civilization.
3.3.2. Symbolic system in Tay poetry from 1945 to present
We selected representative figures for each stage of development of Tay ethnic poetry to examine, but focused more on contemporary Tay poetry, with the aim of seeing more clearly the transformation of symbols in the current stage. Since the first collection of poems by Nong Quoc Chan was published in 1948, modern Tay poetry has developed for more than 60 years. That is a relatively long period of time for exploration and affirmation. The important thing that creates value for those works is that, in addition to the awareness of preserving national identity, there is also innovation, exploration, and renewal according to the requirements of modernization; thereby creating a unique appearance for Tay ethnic poetry.
Symbols belong to both content and form. When symbols express certain meanings, they belong to the expressed content; but the subjective intention of the poet when using symbols to express hidden meanings brings aesthetic effects to the work. Besides finding the layers of expressive meaning of symbols, we also focus on studying how to build symbols in the work. They are still symbols in the folk consciousness such as mother Hoa, lute, rice, horse , but the way each poet uses them in his work brings interesting interpretations.
3.3.2.1. Mother Flower Symbol
Mother Hoa (different names for Mother Hoa: me Va - me Bjooc - me Hoa - me Mu) in the Tay people's concept is the guardian deity, taking care of the spiritual world.
for humans. Mother Hoa has the power to bestow flowers to give birth to sons and daughters. When couples have been married for a long time but have not had children, they hold a ceremony to pray to Mother Hoa for children, called the flower praying ceremony. Each Tay family sets up an altar for Mother Hoa with many related rituals corresponding to each stage of life. After a long time, the custom of worshiping Mother Hoa is still maintained by the Tay people and Mother Hoa has become a symbol with sacred meanings in the spiritual life of the Tay people.
For the Tay people from the beginning until now, the custom of worshiping the Flower Mother has always been an important ritual. It originates from the tradition of respecting and honoring the mother of fertility. The Tay people believe that the Flower Mother in heaven is the biological mother, while the mother on earth is only the one who receives the Flower Mother's orders to give birth to children. On the Tay people's altar, the incense bowl to worship Me Bjoóc (the Flower Mother) is placed on the same level as the incense bowl to worship ancestors. Since ancient times, the Tay people have believed that "sons and daughters are the fruits of the Muong". Whether a family has many children or few children, people believe that it is because the Flower Mother in the Muong above (in heaven) has not known or has not yet blessed the family, or because the Flower Mother is angry and does not share her children with her. The inheritance of the Flower Mother is A garden of golden flowers giving birth to a son and a garden of silver flowers giving birth to a daughter . Every life and fate is decided by Mother Hoa: Me Bjoóc pan na me va pan hau (Mother Hoa gives birth, Mother Hoa puts it back).
In modern times, the worship of Mother Hoa still retains its own unique features, however, the intensity of the worship varies considerably depending on the place and family. According to our survey, Tay families in Cao Bang, Bac Kan, and Lang Son still preserve the worship of Mother Hoa, although the rituals are simpler than before. The place where this worship is most strongly preserved is Cao Bang. Most Tay families in Cao Bang still keep an altar for Mother Hoa in their home as a place to place their absolute faith and hope in the goddess who gives birth and governs all living things. Y Phuong once said, “For the Tay people, that sacred magic is the tears of the mother. Those tears make the children who unintentionally or intentionally commit crimes dig, scrape, pull, and tear their own intestines… Since ancient times, the Tay people have had the worship of mother. It originates from the tradition of respecting the person who gave birth to them. In some places, they built temples to worship the Moon Goddess, the symbolic image of the mother. The Tay people call whatever is most precious mother. Mother Water, Mother Rice, Mother Letters, Mother Flowers, Mother Moon... But money is never




![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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