A special face of this trend is Vi Thuy Linh. Born in 1980, but up to now, she has released 6 collections to readers: Khat (1999), Linh (2000), Dong Tu (2006), ViLi in love (bilingual Vietnamese - English, 2008), Phim doi - tinh tu chan (2010), Chu du cung ong noi (2011) not only representing the creativity and daring to innovate in young authors of Tay ethnic poetry but also of young contemporary poetry authors. In just a short time, with the publication of two collections of poetry: Khat (1999) and Linh (2000), Vi Thuy Linh has become a "phenomenon", making an impressive name for herself in the young poetry community and in the hearts of poetry lovers. However, because of the birth of those two poetry collections, Vi Thuy Linh also became a topic that caused a stir in public opinion, to the point that for a period of time, when mentioning the strangeness and innovation in poetry, people cited Vi Thuy Linh as a typical example.
For Vi Thuy Linh, the limitation when placing her in the group of ethnic minority poets is the lack of Tay cultural capital. Vi Thuy Linh's grandfather is Tay, Vi Thuy Linh's father is also Tay but lives mainly in Hanoi. Vi Thuy Linh has Tay roots but has actually been "uprooted" from her homeland. Vi Thuy Linh's poetry quickly and decisively entered the orbit of modern poetry. In the words of poet Y Phuong, Vi Thuy Linh's poetry is like litchis from Hai Duong brought to Cao Bang to be grown - great changes are inevitable. Linh writes verses full of longing:
Rain shelf rain shelf
Pollen flies on marble skin The sky is clear as a bottle of white wine The male wind
Maybe you are interested!
-
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
zt2a3ge
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
Making love alone on the roof (1)
I put lipstick on your lips nine nine times

in an evening with your lips
…The deaf people listened to music engrossed. The blind people were absorbed in taking pictures. The mute people laughed and danced. The paralyzed people ran around happily.
Let's take off our lives with the feeling of being in love
( Love Map )
(1) Poetry by Duong Tuong.
In that vague space and time, between dream and reality, the woman in Vi Thuy Linh’s poetry seems to touch the paradoxical limit of dreams, which is reality, which is her own finiteness. Her poems talk a lot about time, and every time she ponders and experiences time at night, she becomes even more startled. That is the kind of time that is not equal to years or months but leaves its own mark: time lingers in the eyes, time is hardening on you; or ways of measuring: a leaf as dry as a widow’s eyebrow, hair the color of dry leaves …
The poetry collection ViLi in love (2008 with 29 poems, divided into 3 parts: Forever childhood days, Love of Hanoi, Children and Paris ) is the first Vietnamese - English bilingual poetry collection by Vi Thuy Linh with the participation of two translators Duong Tuong and Trinh Lu. She confided: “Don’t look for fierceness and violence here, and don’t “mistake” me for being rebellious. I have never been rebellious. My strong impulse is the constant strength, that’s who I am. Try to work hard, find new words, images, and expressions, preserve the soul and imagination; but not trying to do something that is not yourself, destroying or denying anything else" and then Couple Movie - Slow Love (2010) with many bold innovations... it was thought that Vi Thuy Linh's style was "nailed" with rebellion and passion, considering love as a religion, an empire with a capitalized Anh... but in Chu du cung ong noi (2011), she made readers wonder and look back, because there was a different Vi Thuy Linh, a child of the homeland's culture, of simple, humane childhood memories...
The trend of modernization seems to be an inevitable development of Tay poetry in particular and the literature and culture of ethnic groups. The culture of not only the Tay ethnic group has undergone great changes in the face of the trend of economic globalization and the process of world economic integration. It is undeniable the level of influence and the close organic connection between economy and culture. That is why a problem that many people are interested in is how culture, literature, and more narrowly, poetry, have changed in the face of that exchange.
Tay literature in general and Tay poetry in particular have changed over time, a part of the compositions developed in the direction of joining the general orbit of contemporary Vietnamese poetry. After 1986, ethnic minority poetry developed and changed more strongly than the previous period. It is worth mentioning that the poets have their own original
become more aware of the stature of their nation, from affirming their national identity to cultural integration, and from there affirming a new position. The content of their works has gone from focusing on the task of propagating and praising their homeland and country, to now deeply exploiting the human condition of ethnic minorities and mountainous areas. Some young writers no longer follow the traditional writing style; some harmonize traditional and modern elements. On the contrary, many older people are still bound by the traditional writing style, not breaking free from the old stereotypes of the old writing style. However, looking at the whole picture, Tay ethnic poetry is getting better and better, modern while still maintaining national characteristics, with depth in the way of writing with visual language ; besides some existing limitations such as simplicity in the way of expression, many poems only tell and describe purely; the writing style is repetitive, circular, old, and trite; Some writing styles are forced, "imitation" in a modern direction but are not effective.
For ethnic minority poets, when "coming down from the mountains to the city", carrying within them the breath of the forest, integrating into the "wide plains that lean on empty sides" (a verse by Duong Thuan), they will become more and more aware of preserving their ethnic culture. For those who have the courage to write and have a deep attachment to their ethnic group, this is not difficult. Even though sometimes they do not do it intentionally, their works still reach a large number of readers thanks to the ethnic and modern elements as we have just analyzed above. Examining the works of some ethnic minority poets who have lived and written for a long time in the lowlands such as Nong Quoc Chan, Mai Lieu, Y Phuong, Duong Thuan..., this is also very clear. Nong Quoc Chan is not only the one who has the first merit in building and developing the team of artists and writers who are ethnic minorities, but in his works he also shows his respect for the cultural values and people of the Tay ethnic group. He still writes poetry, writes many critical essays on ethnic minority literature when he held the position of Deputy Minister of Culture and then Principal of Nguyen Du Writing School... It can be seen that the works of these authors have certain changes through different stages in different cultural conditions. It is necessary to acknowledge a dialectical relationship between people and circumstances when political and social activities along with the living environment have a significant impact on their works. The process of cohabitation leads to cultural symbiosis, as Hoang Ngoc Hien believes, the relationship between French culture and Vietnamese culture in the regime
Colonialism is a symbiotic relationship. Between the majority and the minority, there is not only cultural exchange but also cultural integration, although "Vietnamese ethnic groups all share an ancient cultural foundation. Even though culture cannot be drawn into boundaries like administrative territories, it is still necessary to talk about a specific land where people live and create" [81, p. 284].
The change in social life creates a new social psychology, a new way of looking at things, a new way of thinking. This has caused literary and artistic creations to have a clear change, not just stopping at influence but also acculturation (some people call it cultural fusion). When living together, many authors write very well about life in the highlands (To Hoai, Ma Van Khang, Nguyen Ngoc...). Another explanation is also needed for the opposite problem that there are authors who do not have deep contact, do not live in the cultural environment of the lowlands, but their poetry still loses its own national character. The problem is in the worldview, the way of thinking. The era and class create a certain field of possibilities (champ des possibilités). But the specific environment, specific life, specific personality of the writer will decide to choose a certain possibility among the countless possibilities that can happen. Hyppolite Taine based on race, milieu, moment to explain the formation of an author. Here we need to recall the concept of cultural embodiment, that is, grasping the experience of ethnic culture, especially for a certain local-historical culture. We need to distinguish cultural embodiment from cultural socialization, which is grasping the experience of human interaction in general, and only cultural embodiment can a cultured person appear [9, p.345].
Ethnic minority literature, Tay ethnic literature and Kinh literature no longer have many boundaries as they are all components of Vietnamese literature. Ethnic people writing in the lowlands and lowland people writing in ethnic areas are becoming more and more popular due to increasingly dense exchanges. Poetry and literature of Tay ethnic poets in particular, and ethnic minority poetry in general, have made significant contributions to the appearance and development of contemporary Vietnamese literature. Up to now, after more than half a century of development, four generations of authors of modern ethnic minority literature still write with one thought in mind: I have a dreamy stream/ Going out to the big sea is still not satisfied/ The silver waves do not rest for a single day (Y Phuong).
Chapter 2
REALITY OF LIFE
IN TAY ETHNIC POETRY FROM 1945 TO PRESENT
2.1. Two stages of development of Tay ethnic poetry after 1945
The August Revolution was a milestone not only in the history of the Vietnamese nation but also opened a new path for the country's literature. Poetry began to develop strongly. The generation of poets who grew up from the August Revolution, together with the poets of the New Poetry movement, formed a powerful creative force, embracing rich sources of themes from the reality of life and the revolutionary struggle for thirty years. By 1975, when peace was restored in both the North and the South, the Fatherland was completely unified, another new turning point was opened. Literature at this time also moved in a new social atmosphere and conditions, it can be seen that "democratization and humanism are the overarching inspirations, developing diversely and complexly" [48, p.367] in literature after 1975.
From 1945 to now, the two stages of development of Vietnamese literature as well as ethnic minority literature, Tay ethnic literature in particular, have many differences in inspiration. From 1945 to 1975, Tay ethnic poetry (as well as ethnic minority poetry) was formed and developed on the foundation of a changing reality - that is the resistance war of the nation, along with the observation and learning from a poetry with many achievements (in relation to the poetry of lowland authors). Therefore, it operates according to the aesthetic ideal of lowland poetry, and it is reasonable to be a little behind/slower. During this period, as well as the poetry of Kinh authors, Tay ethnic poetry also exploited the ideal people of society, the most typical and most completely crystallized image of "Uncle Ho's soldier". Ethnic minority poets as well as Kinh poets of this period had a common basis and starting point for their artistic creations - that is patriotism and the fighting spirit for the cause of national liberation. They saw that following the revolution was to change their lives, to be reborn. The emotions in poetry came naturally and were expressed directly and sincerely. Poetry by Nong Quoc Chan (Tay), Ban Tai Doan (Dao), Cam Bieu, Hoang No, Luong
Quy Nhan (Thai), Dinh Son (Muong), Ma The Vinh (Nung)... also shared the same awareness of the role of citizens in the common fight: The resistance broke out far from the capital/ On the road, walking gracefully with backpacks/ Carrying the will of the Vietnamese people/ Rather die than become slaves of a lost country (Tu Mo).
The change in the perception of poets during this period was internal. If the authors from the lowlands with a large force such as: Huu Loan, Quang Dung, Nguyen Dinh Thi, Hong Nguyen, Minh Hue... were a class of poets "born from the revolution, born from the revolution, and made for the revolution" [48, p.151], then the authors of ethnic minorities also contributed a force, although not really strong, but their maturity and breakthrough came from the years of arduous fighting. At this time, the main inspiration in writing was also the inspiration from the soul and feelings of each poet. That was the ecstasy and enthusiasm when the light of the Party showed the way, the burning spirit of the days of going to battle, the hatred to the marrow of the invading hordes . Tay ethnic poetry before 1945 also had notable works. Nong Quoc Chan with Rain and Wind (1942), Crying for Comrades (1944), but it was not until after the August Revolution with Viet Bac Fighting the Enemy and Sewing Ao Dai (1948), Moving Back to the Village (1950) that he really left a strong impression. The poem Moving Back to the Village by Nong Quoc Chan, was evaluated by researchers in the book 40 Years of Culture and Arts of Vietnamese Ethnic Minorities 1945 - 1985 as "worthy of being on par with the excellent poems in the Vietnamese Resistance Poetry" [1, p.210]. This period also includes Nong Minh Chau, famous for Ba Khe Night, Young Man Holding Deo Giang Pass (1953), Nong Viet Toai with Pay Bo Doi (Going to the Army )...
The first generation of poets of Tay ethnic poetry mainly used poetry as a weapon of revolutionary activities. According to Lam Tien, "revolution, people and folk culture are three sources of inspiration that nurtured the poetry of ethnic minorities during the years of revolution" [92, p.100]. In this early period, Nong Quoc Chan's poetry clearly expressed the ideals of revolutionaries, the steadfastness of people in the face of the country's dangerous situation: Despite the wind and rain, we should not panic/ Tomorrow the sun will shine, the mountains and rivers will be glorious ( Rain and Wind ). After the August Revolution, Tay ethnic poetry mainly wrote about the feelings of the mountain people when there was light.
The light of the Party shows the way, the awakening of the enlightened revolutionaries and the indomitable heroism of people in the fight against the enemy. The awareness of the fate of people and the nation: Brothers and sisters: Tay, Nung, Kinh, Meo, Man.../ Temporarily put away the indigo fields, weaving looms, and con balls/ Say goodbye to the stilt houses and go to sleep in huts/ Protecting Deo Giang is protecting the village ( The young man protecting Deo Giang - Nong Minh Chau).
The fighting spirit of heroes is portrayed simply in a crude language, which is easily seen in Tay ethnic poetry as well as ethnic minority poetry of this period. Many authors focus on slogan-like verses:
The young men in the village were forced to work and serve as soldiers. They raped and tortured our wives and children.
… Those who love their country and people
Be steadfast and persevere through hardships without wavering…
( In the base area - Hoang No, Thai ethnic group)
My hometown is not paradise yet. Still wearing patched clothes, eating corn from the fields.
The path is still thorny and winding, but following the Party will clear the way .
( Viet Bac - Tay Nguyen - Nong Quoc Chan)
In the next ten years, Tay ethnic poetry increasingly recreated life more authentically and deeply. The creative force grew larger and larger, thus bringing richer voices. There were voices that spoke of the excitement of the working life in the North, voices that praised the people who sacrificed themselves to fight for the unification of the country... all appeared in a diverse form like the reality of life. When the North and the South were divided, the themes in poetry also changed significantly. The authors not only exploited the fighting spirit but also the love for the homeland expressed in many aspects: nature, people, labor... and also the quiet moments when depicting a South that was still in pain.
The image of the North building a new life in the poetry of the lowlands is reproduced many times and well: We go to (To Huu), On Phia Den Pass (Hoang Trung Thong), Xa
Thanh Nga (Xuan Dieu), Moonlit Night Meeting, Coffee Farm (Te Hanh), Weaver Girl (Pham Ho)... General feelings about half of the country: I close my eyes/ I don't see any place that isn't beautiful/ Not rich (Tran Mai Ninh). Authors of the period of resistance against the French continued to compose such as Nong Quoc Chan, Nong Minh Chau, Nong Viet Toai... with more and more valuable works. This period also marked Trieu An ( Tung con va suoi dan - published with Nong Minh Chau, Nang ngan, Bon mua hoa ), Be Don, Nong Van But... Due to the authors' greater access, the topics ranged from the mountains to the plains, even internationally. Nong Quoc Chan praised the life of Viet Bac "mountains and forests of many colors of grass and flowers" and confided in his friends in the Central Highlands. His collection Chung mot bai ca (A Song of the Same People ) consists of 14 poems that praise Vietnam's friendship with other countries in the world: My village is a farmer's village/ Nung people, Tho people/ Thousands of kilometers away from Pơragơ/ I don't know how the mountains and rivers of Tiep are similar to Vietnamese land/ But I know the villages and markets on the other side/ All fly red flags ( Hello comrades ). Trieu An uses the image of a horse neighing to metaphorically represent the situation of the country still suffering from oppression and suffering: The sound of a horse neighing is like the sound of a knife/ So that the mandarins can penetrate our hearts... until the country is liberated: The fields, the highlands/ Holding red flags, waving stars, shining in the sky/ The rosy sunlight shines everywhere/ Now hearing the horse neighing is different from the old days.
The fighting images of the South are not exploited much in Tay ethnic poetry. While poets from the lowlands have been very successful with The Face of the Homeland, Talking to the Hien Luong River (Te Hanh), Waves Beating at Cua Tung (Luu Trong Lu), Ben Tre Letter (To Huu)... Tay ethnic poetry (as well as Muong, Dao, Thai...) has not really left a strong impression: I intended to ask for leave/ To visit my hometown, to visit my family/ But hearing the news that the French invaders/ Are attacking our South again/ At midnight I left again/ The ship was full of comrades/ The country was in danger again/ The marching route did not stop ( Nguoi Tan Trao - Nong Quoc Chan). Tay ethnic poets have much favor for the "event" of the twinning between Viet Bac - Tay Nguyen: Nong Quoc Chan has Viet Bac - Tay Nguyen, To the Krong-no guerrilla , Nong Minh Chau has Ket tong ngay nay , Trieu An has Gui Tay Nguyen ... however, the verses are still symbolic: We know the Southwest/




![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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