MC LC: ......................................................................

Trang
LI CM N ..................................................................................................................... i
NHN XT CA N V THC TP .......................................................................... ii
NHN XT CA GIO VIN HNG DN ............................................................. iii
DANH SCH CC BIU ......................................................................................... iv
DANH SCH CC T VIT TT ................................................................................. v
LI M U .................................................................................................................. vi

Chng 1: M U ......................................................................................................... 1
1.1 TNH CP THIT CA TI ............................................................................... 1
1.2 MC CH V NGHA NGHIN CU CA CHUYN ............................. 2
1.3 PHM VI NGHIN CU V I TNG NGHIN CU .................................. 2
1.4 PHNG PHP NGHIN CU ............................................................................... 3
1.5 NG GP MI V NGHA KHOA HC TNH THC TIN CA CHUYN
................................................................................................................................ 3
1.6 KT CU CA CHUYN .................................................................................. 4
KT LUN CHNG1 ............................................................................................. 4
Chng 2: GII THIU KHI QUT V NGN HNG THNG MI C PHN
CNG THNG VIT NAM - CHI NHNH 9 ............................................................ 5
2.1 LCH S HNH THNH V PHT TRIN CA NGN HNG TMCP CNG
THNG VIT NAM - CHI NHNH 9 ........................................................................ 5
2.1.1 lch s hnh thnh ca chi nhnh .............................................................................. 5
2.1.2 qu trnh pht trin ca chi nhnh ............................................................................ 5
2.2 S T CHC NGN HNG TMCP CNG THNG VIT NAM-CHI
NHNH 9 .......................................................................................................................... 6

2.3 MC TIU PHT TRIN .......................................................................................... 8

2.4 TNH HNH HOT NG KINH DOANH CA NGN HNG TMCP CNG
THNG VIT NAM- CHI NHNH 9(GIAI ON 2011 2013) ............................. 8
KT LUN CHNG 2 ................................................................................................ 11

Chng 3: L LUN C BN V HOT NG HUY NG VN CA NGN

HNG THNG MI C PHN CNG THNG VIT NAM - CHI NHNH 9 12
3.1 TNG QUAN V NGN HNG THNG MI ................................................. 12
3.1.1 Ngn Hng thng mi v vai tr ca n trong nn kinh t th trng ................. 13
3.1.2 Ngn hng thng mi l ni cp vn cho nn kinh t .......................................... 14
3.1.3 Ngn hng thng mi l cu ni cc doanh nghip vi th trng ...................... 15
3.3.4 Ngn hng thng mi l cng c nh nc iu tit v m nn kinh t .......... 15
3.1.5 Ngn hng thng mi l cu ni nn ti chnh quc gia vi nn ti chnh quc t 16
3.1.6 Vn huy ng v vai tr ca n i vi Ngn hng thng mi ........................... 16
3.2 VN TM QUAN TRNG CA HUY NG VN V VAI TR CA N I
VI HOT NG KINH DOANH. .............................................................................. 17
3.2.1 Vn ca Ngn Hng Thng Mi ......................................................................... 17
3.2.2 Ngun vn ch s hu ............................................................................................ 17
3.2.3 Ngun vn huy ng .............................................................................................. 18
KT LUN CHNG 3 ................................................................................................ 19

Chng 4: THC TRNG HOT NG HUY NG VN TI NGN HNG

THNG MI C PHN CNG THNG VIT NAM - CHI NHNH 9 ............. 20
4.1. THC TRNG HUY NG HUY NG VN TI NGN HNG THNG
MI C PHN CNG THNG VIT NAM CHI NHNH 9 .............................. 20

4.2 CC HNH THC HUY DNG VN CA NGN HNG THNG MI ...... 27

4.2.1 Huy ng vn bng tin gi khng k hn ............................................................ 27
4.2.2 Huy ng vn bng tin gi c k hn................................................................... 28
4.2.3 Huy ng vn bng tin gi tit kim .................................................................... 28
4.2.4 Huy ng vn qua i vay........................................................................................ 29
4.2.5 Huy ng vn qua pht hnh cng c n ............................................................... 30
4.2.6 Cc hnh thc huy ng vn khc .......................................................................... 30
4.3 VAI TR CA HUY NG VN TI NGN HNG THNG MI .............. 31
4.3.1 Vai tr ca hy ng vn ng trn gc Ngn hng thng mi ....................... 31
4.3.2 Vai tr ca huy ng vn ng trn gc khch hng ........................................ 31
4.3.3 Vai tr ca huy ng vn i vi nn kinh t ........................................................ 31
4.4 CC NHN T TC NG N HOT NG HUY NG VN CA NGN
HNG THNG MI ................................................................................................... 32
4.4.1 Cc yu t khch quan ............................................................................................ 32
4.4.2 Cc yu t ch quan ............................................................................................... 33
4.5 TNG QUAN HOT NG HUY NG VN TI NGN HNG TMCP CNG
THNG VIT NAM- CHI NHNH 9 THI GIAN QUA TNG GIAI ON ...... 36
KT LUN CHNG 4 ................................................................................................ 39

Chng 5: GII PHP TNG CNG HUY NG VN TI NGN HNG TMCP

CNG THNG VIT NAM- CHI NHNH 9 ........................................................... 43
5.1 NH HNG PHT TRIN HOT NG HUY NG VN CA NGN
HNG TMCP CNG THNG VIT NAM CHI NHNH 9 TRONG THI GIAN
TI................................................................................................................................... 43

5.2 MT S GII PHP NHM NNG CAO HIU QU HOT NG HUY NG

VN TI NGN HNG TMCP CNG THNG VIT NAM- CHI NHNH 9 ..............44
5.2.1 y mnh a dng ha cc hnh thc huy ng vn , tp trung ngun lc cho cng tc huy
ng vn ...........................................................................................................................................44
5.2.2 Tip tc ci thin c cu ngun vn ,tng t trng vn trung di hn tng ngun vn huy
dng t dn c ..................................................................................................................................45
5.2.3 Xy dng chnh sch li sut li sut huy ng linh hot ,hp l kt hp vi chnh sach u
i ph dch v ..................................................................................................................................46
5.2.4 M rng pht trin sn phm dch v,khai thc cc sn phm khc bit c li th ...........47
5.2.5 Cng c ,nng cao uy tn, to lng tin vi khch hng v thng xuyn coi trng cht lng
phc v khch hng .........................................................................................................................48
5.2.6 Tng cng chin lc maketing Ngn Hng......................................................................49
5.2.7 i mi v hin i ha cn ngh Ngn Hng ....................................................................50
5.2.8 Tng cng o to,nng cao trnh nghip v ca cc cn b cng nhn vin ............50
5.2.9 Duy tr v pht trin ngun vn t th trng bn l ............................................................51
5.2.10 Pht trin a dng cc dch v lin quan n huy ng vn..............................................52
5.2.11 Phng php khuyn khch ngi dn gi tin vo Ngn hng .......................................53
5.2.12 Xy dng k hoch huy ng vn r rng cho tng giai on..........................................53
5.3 MT S KIN NGH............................................................................................... 54
5.3.1 Kin ngh i vi Ngn hng thng mi c phn Cng Thng Vit Nam Chi
nhnh 9 ............................................................................................................................ 54
5.3.2 Kin ngh i vi Ngn Hng Nh Nc ............................................................... 54
5.3.3 Kin ngh i vi chnh ph ................................................................................... 55

5.3.4 i vi chnh quyn a phng ............................................................................ 55

5.3.5 i vi Ngn hng thng mi c phn Cng Thng Vit Nam ........................ 56
5.3.6 kin ngh ring v n xu trong Ngn Hng .......................................................... 56
KT LUN .................................................................................................................... 58
TI LIU THAM KHO ............................................................................................... 61

NHN XT CA N V THC TP
***
H v tn ngi nhn xt: .....................................................................................
Chc v: ................................................................................................................

Nhn xt v qu trnh thc tp ca sinh vin: Nguyn Th Anh o

Lp: 13TC02 Khoa:Ti Chnh Ngn Hng Trng: i Hc Bnh Dng
Kho hc: 2010 - 2014

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Ngi nhn xt
(K tn, ng du)

NHN XT CA GING VIN HNG DN

***
Ging vin hng dn: Ths. L M H

Nhn xt v bo co thc tp ca sinh vin: Nguyn Th Anh o

Lp: 13TC02 Khoa:Ti Chnh Ngn Hng Trng: i Hc Bnh Dng
Kho hc: 2010 - 2014

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Ngi nhn xt
(K tn, ng du)

DANH MC T VIT TT
NHCTVN

Ngn hng TMCP Cng thng Vit Nam

NHTM

Ngn hng Thng Mi

NHCT CN9

Ngn hng TMCP Cng thng chi nhnh 9

NHNN

Ngn hng Nh nc

KQKD

Kt qu kinh doanh

NH

Ngn hng

BG

Ban gim c

TMCP

Thng mi c phn

DANH MC BNG BIU

Bng 1: Kt qu hot ng kinh doanh ca Ngn hng TMCP Cng thng
Chi nhnh 9 giai on 2009 - 2011
Bng 2: Ngun vn ti Ngn hng TMCP Cng thng Chi nhnh 9 giai
on 2009 - 2011
Bng 3: Vn VND v vn Ngoi t giai on 2009 2011
Bng 4: Vn VND v vn Ngoi t theo t trng giai on 2009 2011
Bng 5: Bng ngun vn theo k hn giai on 2009 2011
Bng 6: Bng t trng ngun vn theo k hn giai on 2009 - 2011
Bng 7: Bng ngun vn theo ngun huy ng giai on 2009 - 2011
Bng 8: Bng t trng ngun vn theo ngun huy ng giai on 2009
2011

LI M U
Ngn hng l mt nh ch ti chnh c bit vi vai tr trung gian vn
trong nn kinh t, cc ngn hng tp trung ngun vn tm thi nhn ri trong nn
kinh t v phn phi chng cho cc ch th thiu vn nhm p ng nhu cu u
t, nhu cu sn xut kinh doanh v cc nhu cu khc theo cc nguyn tc tn dng.
C th ni h thng ngn hng l mch mu ca nn kinh t. S tn ti v pht
trin ca ngn hng v nn kinh t gn b cht ch vi nhau. Trong nn kinh t
hin i, s pht trin nhanh chng ca ngn hng thng mi gp phn ng k
vo s pht trin ca i sng x hi v hot ng kinh t. Nm bt c iu ny
nn nhng nm qua h thng ngn hng Vit Nam c c nhng i mi v
pht trin nhanh chng. Tuy vn tn ti nhng thiu st nhng chng ta tng
bc xy dng c mt h thng ngn hng ngy cng ln mnh v nng lc
hoch ch, qun l v trnh cng ngh.
ng v Nh nc ta t mc tiu cho n nm 2020 l phi hon thnh
nhim v cng nghip ha hin i ha t nc a Vit Nam t mt nc
nng nghip tr thnh mt nc cng nghip tin tin. thc hin c mc
tiu ny th vn l mt trong nhng yu t rt quan trng, vn l tin cho s
tng trng kinh t, mc tng trng kinh t ph thuc vo quy m v hiu qu s
dng vn u t. c th pht trin v cnh tranh, cc doanh nghip Vit Nam
phi c m rng, pht trin vi quy m ngy cng ln, i mi dy truyn cng
ngh, nng cao nng sut, nng cao cht lng hng ha, dch v, lm c
nh vy cc doanh nghip rt cn vn. Bn cnh , nhu cu vay vn ca cc c
nhn tiu dng, kinh doanh cng ngy cng tng nhanh cng vi s pht trin
ca kinh t - x hi. Vi vic th trng chng khon ca Vit Nam cn non tr v
ang gp rt nhiu kh khn k t khi khng hong kinh t 2008 n ra th ch c
ngn hng thng mi mi c th p ng vn cho cc c nhn, ch th trong nn
trong kinh t mt cch tt nht v s kh c mt nh ch ti chnh no c th thay
th c v tr ca ngn hng thng mi trong nhiu nm na.

Nhu cu vn u t ngy cng tng ca nn kinh t i hi hot ng huy

ng vn ca cc NHTM phi c tng cng, m rng cho ph hp. Mt khc
vic tng cng huy ng v s dng vn hp l, hiu qu cng gip cho hot
ng kinh doanh ca Ngn hng c an ton v hiu qu hn. Do vy, trong thi
gian ti pht huy hn na vai tr ca mnh v p ng s pht trin ca nn
kinh t cng nh cho chnh bn thn h thng ngn hng, vic huy ng vn cho
kinh doanh trong tng lai chc chn s c t ln hng u i vi cc ngn
hng thng mi ni chung v Ngn hng TMCP Cng Thng Vit Nam Chi
nhnh 9 ni ring. Vn tm ra nhng gii php hon thin cng tc huy ng
vn l rt thit thc v cp bch.
Nhn thc c tm quan trng , vi nhng kin thc c hc
trng, cng vi nhng kin thc thu nhn c trong thi gian thc tp, tm hiu
tnh hnh thc t ti Ngn hng TMCP Cng Thng Vt Nam Chi nhnh 9, ti
quyt nh chn ti Thc trng v gii php trong vn huy ng vn
ti Ngn hng thng mi c phn Cng Thng Vit Nam Chi nhnh 9
lm bo co thc tp cui kha cho mnh.