Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 12 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 12

Regarding capital mobilization: In the coming time, the Branch will maintain a reasonable capital mobilization policy, regulate the amount of mobilized capital in accordance with the needs of use, ensuring the best capital use efficiency. The improvement of fundraising products will be continued ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 11 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 11

Because the Branch has made great efforts to improve the loan appraisal, making the loan more secure from the beginning, the risks encountered will be less, the provision ratio will be lower compared to 2011. Risk Coverage Factor for processed consumer loans When loans have been processed, i.e., a ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 10 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 10

Disbursement packages without unsecured, lending at the point of sale are attracting more and more customers, with simple procedures, just need ID card and household registration, customers can buy products according to your needs. However, this also brings risks to the bank when bad situations ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 9 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 9

Loan turnover is the total amount that the bank has disbursed to customers for a certain period of time. If the amount of money mobilized by the bank is high and the loan turnover is high, it proves that the bank has used the mobilized money effectively, with the aim of bringing profit to the ...

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 8

Securities investment loans Borrowers: For individual investors wishing to invest in securities. Securities are securities officially listed on the centralized stock market and auctioned through a Securities Company or a Finance Company that has signed a cooperation contract with Sacombank . ...

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 7

Foreign currency loans accounted for a smaller proportion of total loans and tended to decrease because capital mobilization in foreign currencies did not meet the lending demand. In addition, according to Circular No. 20/2011/TT-NHNN stipulating the purchase and sale of foreign currency in cash ...

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 6

This is explained because the Branch’s main lending activities and products are for domestic business activities, so the Branch still focuses on raising capital in VND rather than mobilizing capital in foreign currencies. . In addition, in 2011 and 2012, the Branch introduced policies and ...

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 5

Open deposit and loan accounts for customers, be responsible for handling customer requests for current and new accounts; perform transactions of receiving deposits and withdrawing money in domestic – foreign currencies of customers; make loans, issue guarantees within the scope of authorization ...

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Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 4

Organizational work of the bank: This is a factor that does not directly affect the quality of loans, but if the organization and operation of the bank is not scientific, there is no coordination between departments, then the bank’s operations will be unscientific. Bank’s business activities ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 3 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 3

Consumer lending activities of banks face many risks. Therefore, internal control plays an important role in identifying, measuring and evaluating activities, etc. to promptly detect and prevent risks in consumer lending activities. , thereby proposing appropriate risk management measures, ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 2 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 2

Collateral is an important condition for the bank to make a decision to lend to customers as well as the size of the loan. Due to the high risk of credit card activities, loans with special assets or guaranteed by a third party will increase the level of reliability and help the bank reduce risks ...

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 1 thumb

Solutions to promote the efficiency of consumer lending activities at Saigon Thuong Tin Commercial Joint Stock Bank - 1

GRADUATION THESIS TOPIC: SOLUTIONS TO PROMOTE THE EFFICIENCY OF CONSUMER LIVING ACTIVITIES AT SAIGON TRADING JOINT STOCK COMPANY BANK HANOI BRANCH  Instructor : Th.s Le Thi Ha Thu  Performed by students: Nguyen Thi Lan Anh  Student code: A16786  Specialization: Finance – Banking HANOI – ...

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