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Thực trạng và giải pháp nâng cao hiệu quả hoạt động huy động vốn tại phòng...
Transcript of Thực trạng và giải pháp nâng cao hiệu quả hoạt động huy động vốn tại phòng...
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
IH A S
Tml mh` lm t`b ln `b v @m `l) _ht @na n`b th` t`b fl
tk`b ~s t`m eh` tmht) l`b `bmhz mn mh` h mn t `l `ma tmck ez ll`l tk`b ems vl v t` tm bhh. tml mh` tm`m l`b lmh` il `x) `ms ls
v v` s t i t i` v lz flm.. Tk`b ~s t`m ta eha v is` lmsx` `bs`
v`) ll `b` m`b tm`b ah `b vnh t lm lmt) mhs ~s mkt `b msx `b v`
ln ll `b` m`b l tm tl `b tl thz v a`m a i` tl t`b t`b `` eh`m
t. Tsx `mh` tk l `m`b fl lmsx` ah lmk `` eh`m t) l`b tl msx `b
v` ln ll `b` m`b n`b `b tl `mhs tmlm tml) em em` ah.
@m` tml l ta ~sn` t`b ln mkt `b msx `b v` ln ll `b` m`b
tm`b ah v ak`b as` ta mhs v ~sx t`m msx `b v` l`b `m tml t`b
mhs ~s ln mkt `b `x th ll `b` m`b _ht @na) tk`b tmh bhn` eh` tz
zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ h ) lmh `m`m M @h) ca tml
mh` th `bmh` ls Tml t`b v bhh zmz ``b lnk mhs ~s mkt `b msx `b
v` th zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ h ) lmh `m`m M @h. dh
| m`b d` ln T\. T` Tm I`b F`m v | bhz `mht t`m t l` f `m`vh` zm`b bhnk dlm.
_ et ls) th ba < lm`b7
Lm`b H7 L | i is` v v` v `bmhz v msx `b v` ln @MTA
Lm`b HH7 Tml t`b mhs ~s msx `b v` th ZBD @bsx` Lm Tmn`m)
@MTALZ h ) lmh `m`m M @h
Lm`b HHH7 At | bhh zmz ``b lnk mhs ~s msx `b v` th ZBD @bsx`
Lm Tmn`m) @MTALZ h ) lmh `m`m M @h.
Tvn`b >
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
LM@B H7 L \ I IS@ _ _@ _ @BMHZ _ MSX @B _@
LN @MTA
>.> @BS@ _@ LN @MTA>.>.> L ls v` ln @MTA
>.>.>.> _` ln `b` m`b
I emk` v` tmsl | ms ln `b` m`b -l` bh i v` lm | ms() ` fnk
ba v` t l v v` lkh `m t l
n+ _` t l ba7
! _` hs i7 I emk` v` tmsl | ms ln `b` m`b) bmh tk`b f` hs i ln
`b` m`b) l m`m tm`m `bnx t emh `b` m`b tm`b ah l tm`m iz.
_` hs i l tm dk `m `l lz `s i `b` m`b tm`b ah ~sl dkn`m)
l tm i v` `b bz ln l `b `s i `b` m`b tm`b ah l zm`.
^sx a v` hs i ln `b` m`b i` mnx `m i tx vk ~sx a ln `b` m`b
v em`b l zmz `m m` v` zmz `m ~sx `m lmk `b` m`b . x i `bs`
v` dsx `mt `b` m`b l zmz | d`b vk al lm asn |a th |`) tn`b tmht f
fn` s lmk mkt `b ln `b` m`b v bz v` ih` dkn`m.
! ^s d t7 l m`m tm`m t 6 ~s i ~s d t f |s`b v` hs i v
~s d t l fht f z h k. Ll ~s `x l tlm t ih `ms` `b m`b `a
ln `b` m`b.
f+ _` lkh `m t l7
_` lkh `m t l fnk ba ll emk` v` ta tmh `m` h ln `b` m`b. x
i `m`b emk` v` l zm` f lmk `m`b al lm lmh ths `mt `m `m`b ta
tmh lmn l | d`b) v d7 ih `ms` lm zm` f) th` i`b lmn ` m` tmn`mtk` mkl ll ~s lmsx` d`b lmn l | d`b ` `m ~s emc` tm`b) ~s zml
ih) ~s ems mnk th |` l `m
>.>.>.6 _` msx `b
n+ Th` bh em`b e m`
I ikh th` bh a `bh bh th` l tm t n ft l il `k. Th` bh em`b e
m` l tk`b ll th emk` v`b inh. @bh bh th` l tm bh tma th` vk mkl
t n ft l il `k `` d`b th` `x lm l m`b ih |st t tmz mkl em`b l
Tvn`b 6
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
`b` m`b t ih `m`b h ih `bh bh th` l m`b ll dlm v tmn`m tk` ~sn
`b` m`b. Ll `b` m`b tma lm l` xs ls dsx t at | d th tmhs t` th
emk`.
Ms mt th emk` v`b inh s d`b th emk` l em ``b zmt m`m |l) tl i`b` m`b lmk zmz `bh lm th emk` l zmz zmt m`m |l tmn`m tk`. Lm`b
tm`b t` th ll d`b |ns7
! Th emk` |l
! Th emk` @KR -i`m t th` l tm lmsx` `m`b(.
! Th emk` th` bh tm t`b th` t -AADN|(
! Th emk` NT\ -Nstkanthl tn`|oc |x|tca nllks`t(
f+ Th` bh l e m`
I ikh th` bh a `bh bh lm l t n |ns at tmh m` `mt `m t at vh
tm`b ` vh `a. Al ih |st ln th` bh l e m` tm`b lnk m` th` bh em`b
e m` `m`b `bh bh th` em`b l m`b dlm v tmn`m tk` ~sn `b` m`b. Al
lm lm xs ln `m`b `bh bh th` i ix ih.
_ `bsx` tl) th` bh l e m` em`b l t n tl tmh m` |k`b tms mt
emlm m`b) ll `b` m`b v` lmk zmz t tl m`. Tsx `mh`) `bh bh th` t
tl m` | zmh lms at emk` zmt) lm`b m` lm l m`b ih |st f`b ih |st
em`b e m` mkl em`b m`b ih.
ll `l zmt th`) th` bh l e m` tm`b dh d`b ll lm`b lm th` bh
-Lcthohlntc ko dczk|ht LD() l` _ht @na tm`b dh mnh d`b7
! Th` bh l e m` tmck th emk`
! Th` bh l e m` dh m`m tml zmt m`m e zmhs `b` m`b.
l+ Th` bh tht ehaI emk` th` bh d`m ln l `m` l bh vk `b` m`b `ma al lm
m`b ih tmck `m e. Ll al ih |st t`b `b vh t`b e m` l `b` m`b
l`b f |`. Ll e m` tm`b i >) 6 tm`b mkl m` > `a. M`m tml zm
fh` v l h` `mt ln th` bh tht eha i ikh th` bh tht eha l |. Emh bh th`)
`b` m`b lz lmk `bh bh at ls` | d`b bmh `m` ll emk` th` bh vk v
th` t n. ^sx` | `x `b tmh l bh t `m at lm`b tm }l `m` v emk` th`
Tvn`b
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
bh. @bkh n) l` l `m`b m`m tml eml `m lm`b lm tht eha v th zmhs tht
eha.
_ht @na) th` bh tht eha fnk ba fn ikh |ns7
! Th` bh tht eha em`b e m`7 x i ikh th` bh tht eha a `bh bh th`l tm bh vk v t n tmck `ms ls | d`b a em`b l` fk tl lmk `b` m`b.
@b` m`b t ih lmk ikh th` bh `x `m`b t tmz. Ikh th` bh `x b` bh`b vh
th` bh em`b e m`) lm eml i ` is` l m`b ih) `m`b h ih em`b l
m`b ll dlm v tmn`m tk` ~sn `b` m`b. Bh th` d`b `x `ma a fk n` tk`
lmk emk` th`) d zm`b lmk ll `ms ls lmh ths tk`b tmh m` `b`) `b tmh l
m`b at lmt ih tmz.
! Th` bh tht eha l e m`7 I ikh th` bh tht eha l tmh m` bh l `m
tl. Ikh th` bh `x l`b t`b t `m th` bh l e m` ll ha i em`b l
zmz t tl m` -`s t tl m` | zmh lms zmt `m lm l m`b ih |st
em`b e m` mkl tma lm em`b l m`b ih() l m`b ih lnk m` ll d`b
th` bh em`b e m` v em`b l m`b ll dlm v tmn`m tk` ~sn `b` m`b. _h
d`b th` bh `x) `bh bh lm l bh th` vk at i` v t n at i` l v` i`
ih emh ` m`. Ah i` bh l lkh i at emk` th` bh h`b fht. Al th tmhs ln
ah i` bh th` dk t`b `b` m`b ~sx `m.
! Th` bh tht eha l al lm7 I m`m tml tht eha ts`b v dh m` `ma
al lm }x d`b `m . @bkh m`b ih) tm `bh bh th` l` l `b` m`b lmk
vnx `ma f |s`b tma v` lmk al lm }x d`b `m . Al lmk vnx th n f`b |
d th` bh tht eha.
Th` bh e m` v tht eha e m` i `bs` v` ~sn` t`b `mt ln `b` m`b
tm`b ah. x i `bs` v` t`b h ` `m v `b` m`b `a l `m`b e is`lmsx` ln v`) v vx `b` m`b l tm d`b lmk vnx `b` m`) ts`b m` mkl dh
m` s l.
_` th` bh i `bs` v` lmha t t`b lnk `mt tk`b t`b | `bs` v`) i
`bs` v` lm xs `b` m`b eh`m dkn`m. @ zm` `m f` lmt ln `b` m`b i h
vnx lmk vnx. Lm`m v vx a `bh tn bh `b` m`b tm`b ah i `b` m`b bh
th`.
>.>.>.< _` h vnx
Tvn`b 4
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
n+ _nx t @MTR
Ft e `b` m`b tm`b ah `k emh l @MTR lmk zmz tm`m iz mkt `b
s m`b ~sx` vnx th` th @MTR tk`b t`b mz tmhs d t mnx ~s tmhs th`
at. @MTR lz t` d`b lmk ll `b` m`b tm`b ah lm xs dh mnh m`m tml) i7
! Lmht ems mnx th lmht ems ll lm`b t l bh.
! Lmk vnx tm lmz mnx `b tl.
Dk vx) th` vnx @MTR l` bh i th` lmht ems mnx `b tl.
Mh` `nx) @M@@ _ht @na z d`b < m`m tml lz t` d`b |ns7
! Lmht ems) th lmht ems tm`b zmhs v ll bhx t l bh `b` m` eml.
! Lmk vnx l a fk f`b la l tm`b zmhs v ll bhx t l bh `b` m`
eml.
! Lmk vnx ih tmck m | t` d`b. Tm`b i ll m | t` d`b m t tmck xs
ls ln `` eh`m t) `m tms asn i`b tml) ``b |`5 d t vt t) `bsx` ihs5 |`
}st m`b mn }st ems tmsl dh` s th`....
f+ _nx `b` m` ll emk` d t t ll TLTD eml
Al lm lm`m ln ikh vnx `x i `ma a fk d t ft fsl tmck ~sx `m
ln @MTR. Tk`b ~s t`m mkt `b) at | `b` m`b tm`b ah l `m`b `bx
lmk vnx `mhs ~s d` ` | tmhs mt d t ft fsl th @MTR. Tk`b emh ih l
at vh `b` m`b tm`b ah eml tmn d t. a fk d t tmck ~sx `m ln
@MTR) `b` m`b tm`b ah tmhs mt d t | vnx ln `b` m`b tm`b ah l d
t d tmn. Tmh m` ln ikh lmk vnx `x t `b`) tm`b em`b ~s at ts`.
l+ _nx t ll l`b tx
ll `l zmt th`) `b` m`b tm`b ah l` l tm vnx tl thz t ll l`btx f`b ll m`m tml.
! _nx `b` m` f`b ll Mz `b asn ih7 Mz `b asn ih i mz `b tk`b
`b` m`b f` ll t` zmhs emk fl a ah`m n`b `a bh lmk ll t lml eh`m t
n`b ta tmh tmn th` at) ea tmck hs emk` asn ih | t` zmhs |ns at vh
`bx mnx at vh ts` vh al bh lnk m`. _ tml lmt) x i at l`b l vnx `
`b` m` -tm`b em`b ~s mnh ts`( ln ll `b` m`b tk`b | d`b t` zmhs emk
fl ia vt tm lmz. I`b th` at tms l t mz `b asn ih l }ca `m at
Tvn`b 3
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
emk` vnx ` `b` m`. ll `l zmt th`) tmh bhn` th n ln mz `b `x
tm`b em`b ~s mnh ts`.
! _nx t l`b tx a7 ll `l zmt th`) at l`b tx mkl at tz k` eh`m
dkn`m l tm i lm ln at mkl `mhs `b` m`b tm`b ah. Emh `b` m`b tm`bah zmt m`m th zmhs mnx bhx ` vnx th` t tm t`b) ` | lms | ~s` i v
`b fsl ln @MTR v d t) ih |st v tm tl5 tk`b emh ) `s l`b tx a tml
mh` hs `x) ` em`b lms ll `b fsl v f` tm` ` em`b zmh i at `b`
m`b tm`b ah. Dk vx) ll l`b tx a ln `b` m`b tm`b tmnx tm ` zmt m`m
th zmhs) l zmhs l`b tx mkl ll ikh tm`b zmhs msx `b v`) |ns lmsx`
v` msx `b l v lmk `b` m`b mkt `b dh m`m tml lmk vnx ih.
d+ _nx t tm t`b th lm`m tk`b `l
Ll `b` m`b tm`b ah l tm vnx t tm t`b th lm`m tk`b `l tm`b ~sn
zmt m`m ll lm`b t l bh `m7
! Lm`b lm th` bh l em ``b lmsx` `m`b -@LD|(7 Ll lm`b lm th` bh
l a`m bh i`) l tm asn h f` ih t` tm t`b emh lmn k m`. Tmh bhn` k
m` ln ikh lm`b lm `x tm`b em`b ~s ? tm`b e t `bx zmt m`m.
! Th zmhs `b` m`b7 At l`b l vnx ` dh m` ln `b` m`b t` tm t`b
lm`b emk`. Tmh m` vnx tm`b t 6 `a t i`. Ikh `x l tm asn h f` ih t`
tm t`b lm`b emk` emh lmn k m`.
c+ _nx `l `bkh
Ll `b` m`b tm`b ah l`b l tm ta eha `bs` v` mkt `b t vhl zmt
m`m zmhs ` vnx th` `l `bkh. Dk ikh th` | d`b tk`b tmn`m tk` ~sl t
mh` `nx i S\D `` vnx th` `l `bkh tm`b vnx f`b S\D.
`mhs `l -M` ^sl) _ht @na) Tmh In`...( vhl zmt m`m ikh th zmhsCsk Dkiin| -th` bh f`b S\D ll `b` m`b mkl lmh `m`m `b` m`b em`b
tmsl `l A( lm l bhh m` vk at | `b` m`b l fht `m @b` m`b `bkh
tm`b) @b` m`b }st `mz ems.
>.>.>.4 Ll `bs` v` eml
! _` th t) v` s t zmt th`) v` x tml s t lmk vnx tmck ll lm`b
t`m) d ` }x d`b)...
Tvn`b ?
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
! _` m`m tm`m tk`b ~s t`m mkt `b ln `b` m`b) v d `m t`b `bmhz
v ~sn ih `b `bmhz) tk`b `bmhz v ts`b bhn` ln `b` m`b -th` e ~s ln
emlm m`b a fk tmn`m tk` tk`b zm`b tml tmn`m tk` tk` t` d`b lm`b t
! I+L(.>.>.6 _nh t ln v` tk`b mkt `b ln @MTA
L`b `m ah ` v eh`m dkn`m eml) as` mkt `b eh`m dkn`m `b` m`b
tm`b ah zmh l l | s th` i v`. _` `b vnh t v l`b ~sn` t`b tk`b
mkt `b ln @MTA.
Tm `mt) v` i l | ft e at ikh m`m dkn`m `bmhz `k l tm th` m`m
mkt `b eh`m dkn`m. M` `n) vh l t`b ln mkt `b `b` m`b) v` em`b lm
i zm`b th` eh`m dkn`m a l` i h t`b eh`m dkn`m lm xs. T` tml t) `b`
m`b `k l emh i`b v` i` m` tm `b` m`b l ih tm l`m tn`m m` tk`b
eh`m dkn`m.
Tm mnh) v` `m m`b tl thz ` ~sx a ll mkt `b ln `b` m`b tm`b
ah. _` `m m`b i` ` vhl a `b mnx tms mz t` d`b) mkt `b fk i`m)
eh`m dkn`m `bkh t mnx tk`b mkt `b tmn`m tk` ln `b` m`b tm`b ah.
Tm fn) v` i xs t ~sxt `m ``b il tmn`m tk` v a fk sx t` ln `b`
m`b t` tm t`b. Eh`m dkn`m th` t i at i`m vl eh`m dkn`m lmn `b t `mhs
h k) fh vx sx t` h vh emlm m`b i v l`b ~sn` t`b h vh emlm m`b. Msx
`b v` tt v | d`b v` mhs ~s) a fk em ``b tmn`m tk` lm`m i fhs mh`
tm mh` lm t` v tk `ha th` ln `b` m`b lmk emlm m`b.
@m vx) v` `b vnh t lm lmt) ~sxt `m ``b il l`m tn`m v mhs ~s
mkt `b eh`m dkn`m ln `b` m`b.
Tk`b l ls v` ln `b` m`b) v` t l lm lmha emk`b >:# l` ih i v`msx `b v ll `bs` v` eml. @m vx) v` t l bh vnh t ~sn` t`b tk`b vhl
tm`m iz `b` m`b) `m`b |ns emh h vk mkt `b) v` msx `b `b vnh t v
l`b ~sn` t`b tk`b mkt `b eh`m dkn`m ln `b` m`b. ^sx a `bs` v` msx
`b ~sxt `m th ~sx a s t) lmk vnx) v `m m`b i` ` tms `mz ln `b`
m`b. _` msx `b l lkh `m i ` fx eh`m dkn`m v mhs ~s mkt `b msx
`b v` i at tk`b `m`b xs t ~sxt `m ` | tm`m fh ln `b` m`b tm`b
ah tk`b i`m vl eh`m dkn`m th` t.
Tvn`b 2
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
>.6 MKT @B MSX @B _@ LN @MTA
>.6.> Emh `ha v mkt `b msx `b v` ln @MTA
Mkt `b msx `b v` ln ll `b` m`b tm`b ah i mkt `b a tk`b
ll `b` m`b `x ta eha `bs` v` em d`b t ll lm tm eml `ma a fk |v` m`m f`m tm`b) mhs ~s ln f` tm` ` tmck `b ll ~sx `m zmz ist
@bmhz v msx `b v` an`b ih `bs` v` lmk `b` m`b tml mh` ll `bmhz
v eh`m dkn`m eml. Em`b l `bmhz v msx `b v`) @MTA | em`b l v` th
t lmk mkt `b eh`m dkn`m ln a`m. At eml) tm`b ~sn `bmhz v msx `b v`)
@MTA l tm k i`b l | t` `mha ln emlm m`b h vh `b` m`b.
>.6.6 Zm` ikh ll m`m tml msx `b v`
>.6.6.> L` l tmck tmh bhn`
n+ Msx `b v` `b` m`7
x i m`m tml msx `b lm xs tk`b ll `b` m`b tm`b ah tm`b ~sn
vhl zmt m`m ll l`b l ` `b` m` t` tm t`b th` t v ll `bmhz v `m`
th` bh `b` m`) th` bh tmn`m tk`... Dk tmh m` `b` `` ih |st msx `b `b`
m` tm`b tmz) tsx `mh` t`m ` `m ih ea..
f+ Msx `b v` ts`b m`7
Msx `b v` ~sn zmt m`m ll l`b l ` ts`b m` t` tm t`b v` mkl
`m` th` bh ts`b m` -t > ` 3 `a(. _` msx `b `x `b` m`b l tm | d`b
t`b h dh v tms` th`) tsx `mh` ih |st tm`b lnk m` `bs` `b` m`. @bs`
ts`b m` t ~sn` t`b v l` tmht `b` m`b tml mh` ll mkt `b s t) tmnx
h l`b `bm v lmk vx ts`b) dh m` vh ih |st lnk.
l+ Msx `b v` dh m`7
Mkt `b msx `b v` dh m` t` tm t`b v`) vh `bs` msx `b `x`b` m`b l tm | d`b d d`b) l t`m ` `m lnk -t 3 `a t i`() dk vx ih |st
a `b` m`b zmh t l`b t lnk.
v dh m`7 msx `b v` ts`b v dh m`) @MTA l tm zmt m`m e zmhs)
l zmhs) th zmhs.
>.6.6.6 L` l tmck h t`b msx `b
n+ Msx `b v` t d` l
Tvn`b =
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
9/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
x i at ems vl msx `b x tha ``b lmk ll `b` m`b. @b` m`b msx
`b ll emk` th` `m` h ln d` lm`b v |ns lmsx` ` lmk `m`b `bh l`
v` a `b s t) eh`m dkn`m. @bs` msx `b t d` l tm`b em ` `m.
f+ Msx `b v` t dkn`m `bmhz v ll t lml } mhx i `bs` msx `b l `m bh i t i`) lmha t t`b lnk tk`b t`b
`bs` v`. tht eha tmh bhn` v lmh zm tk`b tmn`m tk`) ll dkn`m `bmhz d i`
mnx `m s l th emk` tk`b `b` m`b. Dk lms e t th` ln ll dkn`m `bmhz v
ll t lml } mh em`b bh`b `mns `` `b` m`b is` l tk`b tnx at emk` th`
i` | d`b at llm t`b h tms` ih. Tsx `mh`) i` ln emk` th` `x zm
tmsl vk ll dlm v) th` lm a `b` m`b an`b ih emh emlm m`b | d`b dlm v.
hs `x emh` lmk vhl msx `b v` t ll dkn`m `mhz v t lml } mh b` ih` vh
vhl a `b) lh th` ll dlm v `b` m`b.
l+ Msx `b v` t `b` m`b v ll t lml t` d`b eml.
Emh }st mh` vhl tmhs mt d t mnx em ``b tmn`m tk` f c dn) ll `b`
m`b tm`b ah l tm vnx i` `mns tm`b ~sn ll th emk` th` bh l a i` `mns
ll `b` m`b. @b` m`b ts`b `b i `bh lmk vnx lsh l`b ls ll `b`
m`b tm`b ah l `bsx l zm |`. Msx `b v` t ll `b` m`b v t lml t`
d`b eml tsx em d d`b `m`b | i`b tm`b em`b `mhs v lmh zm msx `b lnk
m`. Dk vx) m`m tml `x ll `b` m`b | d`b em`b `mhs.
>.6.6.< L` l tmck f` lmt ll `bmhz v msx `b v`
n+ Msx `b v` ~sn `bmhz v `m` th` bh
! Msx `b th` bh em`b e m`
! Msx `b th` bh l e m`
! Msx `b th` bh tht eha l e m`! Msx `b th` bh tht eha l tmh m` dh
f+ Msx `b v` ~sn `bmhz v h vnx
! _nx t ll t lml t` d`b
! _nx t `b` m`b ts`b `b
l+ Msx `b v` ~sn zmt m`m ll l`b l `
vnx t` tm t`b) `b` m`b l tm zmt m`m th zmhs `b` m`b v e
zmhs.
Tvn`b 8
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
10/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
! Th zmhs `b` m`b7 I at bhx t l bh) }l `m` emk` ` ln emlm m`b
h vh `bh lm `b` m`b vh `m`b lna et `m tmn`m tk` at | th` }l `m
vk at `bx }l `m tk`b t`b inh vh tmh m` }l `m lmk tl. Th zmhs l
zmt m`m tk`b tk` f m tm`b `b` m`b) lm xs i msx `b v` ts`b v dhm`.
! E zmhs7 I at ikh bhx t l bh `b` m` dk `b` m`b zmt m`m `ma msx
`b v` tk`b d`) lm xs zml v lmk `m`b e mklm eh`m dkn`m }l `m ln
`b` m`b `m at d `) at lm`b t`m eh`m t...
d+ Msx `b v` ~sn ll m`m tml eml.
t`b l`b msx `b v` `m` h t d` l) ll t lml eh`m t) ll dkn`m
`bmhz) ll `b` m`b tm`b ah l` | d`b ll m`m tml eml v dlm v } mh7
ia dlm v fk i`m) h i zmt m`m lm`b emk`) ts`b bhn` tmn`m tk`) s ah
tk`b mz `b th t....
>.< MHS ^S MSX @B _@ LN @MTA
>. Emh `ha v mhs ~s msx `b v`
Mhs ~s msx `b v` l tm mh` em ``b z `b lnk `mt `ms ls |
d`b v` ln `b` m`b. i | z `b at llm ez tmh) x `ms ls | d`bv` al lmh zm mz i `mt.
>.. Lmh zm msx `b v`+ t`b v` msx `b.
Lmh zm msx `b fnk ba lmh zm ih -t`m dn t` ih |st `b` m`b l`b f lmk
emlm m`b( v lmh zm `bkh ih -lmh zm eml ih` ~sn` ` mkt `b msx `b v`
`m7 lmh zm ~s` i) lt bh) fk ~sn`) i`b l`b `m` vh`)....(.
@m vx) emh }ca }t mhs ~s msx `b v`) lmh zm lmk at `b v` zmh mzi) a fk ll emk` tms `mz l tm f z l lmh zm `x v l ih `ms` lmk
`b` m`b. Lm ths `x l`b tmz tm msx `b v` l`b l mhs ~s. Tsx `mh` l`b
zmh tmx `b bha lmh zm msx `b v` tm zmh bha ih |st v l ll lmh zm ih`
~sn` al th s `mt. _hl n n at ih |st mz i i t ~sn` t`b) ih |st em`b
~s lnk a fk ih lm `b` m`b) l`b em`b ~s tmz tms mt l emlm
m`b. `b tmh bha ll lmh zm `bkh ih l`b | ``b lnk mhs ~s msx `b v` ln
`b` m`b.
Tvn`b >:
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
11/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
>....882() Zmz i`m `b` m`b) mz tl } v l`b tx th lm`m
->88:() Ist `b` m`b @m `l _ht @na ->88=() ll lm tm) tm`b t..... Tk`b ~s
t`m msx `b v`) ll `b` m`b zmh tsxt h ts` tm ll ~sx `m `x.
f+ T`m m`m lm`m t) eh`m t) } mh tk`b v `bkh `l
T`m m`m lm`m t tk`b v `bkh `l l tl `b t v a`m a ` mkt
`b `b` m`b. Lm`m t ft ` is` ek tmck t`m t`b mkt `b v` ln `b` m`b
f t t fh `bh d` at i`b th`. @bl ih) | ` `m tk`b f ax i`m k | iall `b` m`b tm`b ah msx `b v` d d`b m`.
l+ Ta i) tmh ~sc` ths d`b ln `bh bh th`
Tz ~s` ths d`b ln `bh d` l ta `m m`b ~sn` t`b th vhl msx `b
v` ln `b` m`b. Emh `bh d` l tmh ~sc` bh th` vk `b` m`b tmnx v lt t
th` at tk`b `m) vhl msx `b v` ln `b` m`b | d d`b m` t `mhs. F`
l`m ) tmh ~sc` tmn`m tk` emh asn m`b l`b bz zm` ia t`b bha `bs` v`
msx `b. `m`b `l d` lm`b ~sc` vh vhl tmn`m tk` f`b th` at lm
Tvn`b >>
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
12/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
em`b tmn`m tk` ~sn `b` m`b vhl msx `b ll `bs` v` `b` m` f`b th emk`
tmn`m tk` ln `b` m`b l`b bz `mhs em em`.
>.
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
13/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
6.> T@B ^SN@ _ ZM@B BHNK DLM @BSX@ LM TMN@M) @MTALZ
H ) LMH @M@M M @H
6.>.> ^s t m m`m tm`m v zmt th`
n+ @b` m`b TALZ h @b` m`b TALZ h -DnhN fn`e( l tm`m iz v h vk mkt `b t `bx
88 t `b v`
hs i) ` `nx h @b` m`b th ~sn >= `a zmt th` vt fl. _h v` hs
i7 :: t `b v a`b ih mkt `b ba 32 lmh `m`m v Zm`b bhnk dlm t` l
`l
f+ @b` M`b TALZ h !ZBD @bsx` Lm Tmn`m
n lm dkn`m `bmhz7 >>= @bsx` Lm Tmn`m) Z. I`b Tm`b) ^. `b n) M
@h
h` tmkh7 -=4!4( >= @bsx` Lm Tmn`m) ~s` Fn `m.
T`m ` mh` th @b` m`b h Lmh `m`m M @h l >4 ha bhnk dlm
tk`b l :> lmh `m`m v >< Zm`b bhnk dlm tl tmsl. @m vx) tl zmt th`
a`b ih ZBD ln @b` m`b h i t`b h tt.
L`b vh ll lmh `m`m) zm`b bhnk dlm eml tk`b m tm`b DnhNFn`e) zm`b
bhnk dlm @bsx` Lm Tmn`m ! lmh `m`m M @h mkt `b vh ll lml ``b7 @m`th` bh f`b _@) `bkh t5 lmk vnx zml v |` }st) eh`m dkn`m v ths d`b5 dlm
v tmn`m tk`) lmsx` th`) lmsx` th` `mn`m Rc|tc` S`hk`5 tms h `bkh t5 dlm v
NTA ZBD `x l et `h tl tsx` vh mh | v tt l ll lmh `m`m) zm`b bhnk
dlm tk`b m tm`b. Emlm m`b l tm bh th` v t th` ah `h tk`b m tm`b
DnhNFn`e) l ls`b lz ll dlm v ~sn `b` m`b h` t -\A\ fn`eh`b) h`tc`ct
fn`eh`b...(.
6.>.6 L ls t lml v ~sx a
Tvn`b >
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
14/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
Ah l tm`m iz t s `a 6::8) ZBD @bsx` Lm Tmn`m l l ls t lml `
bh` `m`b mhs ~s. ZBD ba 2 l` f `m` vh`7 > Bha l) > Eha |kt vh`) 6
L` f ~sn` m emlm m`b) 6 Bhnk dlm vh` v > ^s` i t` d`b.
Bha l7 @bh l ~sx` m` lnk `mt ZBD) `bh l fn` bha l `b`m`b x ~sx` tl thz ~sxt `m) tml mh` vhl e et ll mz `b) v` f` ih`
~sn` ` mkt `b ln ZBD.
Eha |kt vh`7 Eha tn t`m mz zmz) ts`b tml) l` t`b ln `m` vh`
tk`b ZBD5 tma `m fk lk et ~s mkt `b eh`m dkn`m v ll fk lk eml tl
emh t`m i` lz t`5 eh` `bm vhl |n h) f |s`b l ls ~s` i) hs m`m l`b
vhl eh`m dkn`m ln ZBD.
L` f ~sn` m emlm m`b7 Ta eha v a `b ~sn` m vh emlm m`b) fnk
ba l mkt `b msx `b v` v lmk vnx. Tma `m m | t` d`b ln emlm m`b
vnx v`) ta eha v dsx t `bs` v` msx `b.
Bhnk dlm vh`7 Tml mh` ll bhnk dlm th` at th ~sx lmk emlm m`b l `ms
ls) tml mh` ll dlm v lmsx` th` tk`b v `bkh `l) `m` th` bh) ia tm tl
a | tht eha) a th emk` tm lmk emlm m`b)....
^s` i t` d`b7 ^s` i t`m t`b ` ln emlm m`b -` ~s m`) ` }s)...(.@ml `m emlm m`b v tmh m` t ih vnx v v` bl) eha |kt t`m m`m | d`b
v` ln `bh vnx -vhl | d`b v` vnx `b al lm) `b ~sx t`m)...(
6.>.< Et ~s mkt `b eh`m dkn`m.
T`m m`m mkt `b eh`m dkn`m ln ZBD |ns mnh `a mkt `b -6::8!6:>:(.
` v7 Ths `b
Lm ths @a 6::8 @a 6:>:
T`b t`b 6::3 +
6::4 -#(
Msx `b v` 3>.43= ?6.6>)>?
@h t 4 34.?62 >64)23
@bkh t 2.??2 2.2>= >::)?2
\ d`b v` 4=.3:: 33.8>: >>3)6=
@h t 46.86: 48.=8: >>?)64
@bkh t 3.3=: ?.:6: >:2)=8
Tvn`b >4
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
15/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m) lmh `m`m M @h) `b`
m`b TALZ h
@m vx) |k vh `a 6::8) t`b | v` msx `b v | v` | d`b f`b _@D v
`bkh t -lm xs i S\D( ln ZBD s t`b. Tk`b ) tl t`b ln v` msx `bi i` m`) emk`b >6:#) tl t`b t`b t` d`b al emk`b >3:#. \ t`b
t`b `x lm xs i `m t`b t`b tk`b msx `b v | d`b v` f`b _@D) t`b
t`b h vh `bkh t ms `m em`b `b e.
Ih `ms` t l
Lm ths
@a 6::8 @a 6:>:
\ d-ths `b(
Zm` ta-#(
\ d-ths `b(
Zm` ta-#(
T`b dkn`m tms ?.:3= >::):: =.28: >::)::
Tms t ih t` d`b 4.64> ?8)32 3.2>4 ?3):>
Tms t dlm v >.=>2 )6> 3.3== =3)::
Lmh zm ls`b lz
dlm v8=)28 8=? >3)::
Ih `ms` tl
tms>.>:= >.=:) ZBD @bsx` Lm Tmn`m) lmh`m`m M @h) `b` m`b TALZ h .
Tk`b `a 6:>:) t`b dkn`m tms) lmh zm v ih `ms` tl tms s bhn t`b tm
mh` at | t`b t`b v ~sx a mkt `b ln ZBD @bsx` Lm Tmn`m. T i ih
`ms` tl tms |k vh dkn`m tms ln ZBD vk emk`b b` 6:#) x i al em lnk
|k vh at f`b lms`b ln `b`m.
Dkn`m tms ln ZBD l `b bz lm xs f`b `bs` tms t ih t` d`b) `a
6::8 `bs` `x lmha th 2:#) |n`b `a 6:>: t i `x bha }s`b l` ?3#5 `bs`
Tvn`b >3
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
16/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
tms l` ih i t zm dlm v `m dlm v tmn`m tk` ~sl t) tms t lm`m ilm t bh) zm
lmsx` th`)... Lmh zm ih lmha zm` i` tk`b t`b lmh zm ln `b` m`b) =># tk`b
`a 6::8 v =3# tk`b `a 6:>:) `bsx` `m` ln | bhn t`b t t`b `x zm` i`
i v at f`b ih |st `a 6:>: t`b `b e |k vh `a 6::8 et mz vh | bhn t`bln `bs` v` msx `b l ln ZBD5 zm` lmh zm l` ih i t lmh zm zmt |h`m
tk`b ~s t`m ls`b lz dlm v lmk emlm m`b `m lmh zm at f`b) lmh zm h`
`l) lmh zm `m` vh`) ..... emk`b t m` 6:# tk`b t`b lmh zm.
6.6 TML TV@B MHS ^S MKT @B MSX @B _@ TH ZM@B
BHNK DLM @BSX@ LM TMN@M) @MTALZ H .
6.6.> L ls `bs` v` msx `b
6.6.>.> Tl t`b t`b v` msx `b.
@a 6::8 l`b i `a s th` h vk mkt `b) t`b `bs` v` msx `b l
ln ZBD @bsx` Lm Tmn`m i 3>) 43= t `b. \ns at `a) | v` `x t`b i`
?6)> t t`b `b vh m` 6>#. x l }ca i at tm`m l`b
i` h vh at ZBD ah l tm`m iz.
6.6.>.6 L ls msx `b v` tmck h t`b msx `b
` v7 Ths `b
Lm ths
@a 6::8 @a 6:>:
\ dT t`b
-#(\ d
T
t`b -#(Th` bh ln ll
t lml eh`m t>?.63: .3= 64.66> 3
Zmt m`m lll`b l `
: : : :
T`b 3>.43= >:: ?6.::@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h)
`b` m`b h ls`b lz
@bs` v` ln ZBD @bsx` Lm Tmn`m lm xs i t mnh h t`b lm`m i ll
t lml eh`m t v emh d` l. L`b `m ll `b` m`b tm`b ah eml) `bs` v`
lmha t t`b lnk `mt tk`b t`b | v` msx `b i t ems d` l) lmha m` ?=#
vk `a 6::8 v ?># `a 6:>:. Thz tmck i `bs` th` bh ln t lml eh`m t) lmha
Tvn`b >?
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
17/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
emk`b >+< t`b v` msx `b ln ZBD. Zm`b bhnk dlm ms `m em`b zmt m`m ll
bhx t l bh mnx ll l`b l ` v m` lm v ~sx a.
Tk`b `a 6:>:) | d th` bh ln l 6 ems vl msx `b s t`b lm`b t |
tm`m l`b tk`b vhl t`b ~sx a msx `b th` bh ln ZBD. Tsx `mh`) l | tmnxh tk`b l ls. T t`b th` bh t ems d` l bha emk`b 2#) `bl ih `b bz
ln th` bh t t lml eh`m t t`b emk`b 2#) ZBD v` lmn tml mh` vhl zmt m`m
l`b l `. @m vx l | t`b t`b tk`b ~sx a v` msx `b v | lmsx` dlm
`m tk`b l ls v` tmck h t`b emlm m`b msx `b ZBD @bsx` Lm Tmn`m)
lmh `m`m M @h ln @MTALZ h .
6.6.>.< L ls msx `b v` tmck e m`
` v7 Ths `b
Lm ths
@a 6::8 @a 6:>:
\ dT t`b
-#(\ d
T t`b
-#(_` em`b
e m`4.?8< 8)>6 3.=68 8).?2= .
T`b 3>.43= >:: ?6.::@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h)
`b` m`b h ls`b lz
Tmck e m`) `bs` v` ZBD @bsx` Lm Tmn`m l lmhn tm`m v` em`b e
m` v v` l e m`. M`m tml e m` ZBD t n d`b z `b `ms ls bh th`
ln emlm m`b. Ll al e m` ba l >) 6) < ts`) >) 6) 6) >=) 64 v `a lmha t t`b
Tvn`b >2
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
18/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
i` `mt) emk`b b` 8:#. x l`b i l ha lms`b ln ll `b` m`b tm`b ah
eml) `bs` v` `x lmk zmz ZBD tz ts`b vk ll emk` t` d`b `b` m` v at
zm` lmk vnx ts`b v dh m`. _` ts`b v dh m` i `m`b `bs` v` l e m` t`
> `a) i`b v` `x t t) lm lmha emk`b 6 ` < # ZBD @bsx` Lm Tmn`m)x i `bs` v` t ` `m) l tm | d`b ih`m mkt lmk `mhs al lm eml `mns v
l tm | d`b lmk vnx mkl s t dh m`.
\ns mnh `a mkt `b) l at | tmnx h `m tk`b l ls e m` v` ln ZBD.
T t`b v` em`b e m` v `b` m` t`b `m) emk`b :)6# h vh v` em`b e
m` v :.=# h vh v` e m` `b`. Tk`b emh ) v` ts`b v dh m` bha m` >#.
Tsx tmnx h `x em`b i` `m`b l`b tm mh` em em` mh` `nx ln ll `b` m`b
tm`b ah _ht @na `h lms`b v ln ZBD `h h`b tk`b v` tms mt `bs` v`
ts`b v dh m` tml mh` ll emk` t` d`b v s t is dh m`.
6.6.>.4 L ls msx `b v` tmck ikh th`
` v7 Ths `b
Lm ths
@a 6::8 @a 6:>:
\ dT t`b
-#(\ d
T t`b
-#(
@h t 4 =3)>: 34.?62 =2)?6
@bkh t ~sx
h n `h t2.??2 >4)8: 2.2>= >6).43= >:: ?6.::
@bs`7 Zm`b ~sn` m emlm m`b) ZBD @bsx` Lm Tmn`m)lmh `m`m M @h) `b`m`b h ls`b lz
Tmck ikh th`) `bs` v` msx `b fnk ba `h t _@D v `bkh t -lm xs i
S\D(. ZBD @bsx` Lm Tmn`m msx `b v` lm xs i t _@D) `bs` `x lmha
m` =3# tk`b `a 6::8 v b` ==# tk`b `a 6:>:. T t`b v` `h t msx `b
t`b t`b `b vh v` msx `b f`b `bkh t bha }s`b) t >4)8# `a 6::8 l`
>:.
Tvn`b >=
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
19/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
6.< Lmh zm msx `b v`
6. Ih |st msx `b
n+ Ih |st msx `b _@D
Tmh bhn` vn ~sn) l`b `m ll `b` m`b tm`b ah eml) a fk em``b l`m tn`m t` tm t`b th` t) `b` m`b h th` m`m t`b ih |st. Ih
|st msx `b _@D t`b t al dh >:#+ `a vk s `a 6::8 ` emk`b
>>)3#+ `a vk lsh `a 6:>:. Mh` `nx) ih |st i b` >4# v ZBD @bsx` Lm
Tmn`m n`b z d`b fhs zm ih |st msx `b `m |ns7
@bs`7 Rcf|htc lm`m tml ln `b` m`b h
mttz7++rrr.dnhnfn`e.lka.v`+Dconsit.n|z};lti1/tnf1/lhd1>>8/zhd13,onbac`t!2:
f+ Ih |st msx `b `bkh t S\D
s `a 6::8) ih |st msx `b S\D ln `b` m`b h vk emk`b ?2 >4.::::6 ts` >.>?2 >4.::::< ts` >.>?2 >4.:::
E m` > tm`b >.>?2 >4.:::E m` 6 tm`b >.>?2 >4.:::E m` < tm`b >.>?2 >4.:::E m` ? tm`b >.>63 >.>63 >6 tm`b >.>?2 >4.:::
E m` >< tm`b >.>?2 >4.:::E m` >= tm`b >.::: >6.:::E m` 64 tm`b >.::: >6.:::E m`
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
20/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
@bs`7 Rcf|htc lm`m tml ln `b` m`b TALZ h
mttz7++rrr.dnhnfn`e.lka.v`+Dconsit.n|z};lti1/tnf1/lhd1>>8/zhd13,onbac`t!2>
6. ts` :.:=< >.::::6 ts` :.:=< >.::::< ts` :.:=< >.:::
E m` > tm`b :.>?2 6.:::E m` 6 tm`b :.>?2 6.:::E m` < tm`b :.>?2 6.:::E m` ? tm`b :.>?2 6.:::E m` 8 tm`b :.>?2 6.:::E m` >6 tm`b :.>?2 6.:::E m` >< tm`b :.>?2 6.:::E m` >= tm`b :.>?2 6.:::
E m` 64 tm`b :.>63 >.3::E m`
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21/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
:) t`b b` >> t
`b) t`b `b m` 6># |k vh `a 6::8.
! M`m tml msx `b v` ln ZBD l`b t n d`b) zm mz vh `ms ls) tm
mhs emlm m`b. Zm`b bhnk dlm tms mt l `mhs h t`b emlm m`b f`b ll
e m` bh th` zmk`b zm -em`b e m`) ts`) tm`b) `a)...() ih |st ih`m mkt `m`b
v` tk`b zma vh l zmz ln @MTR et mz vh ll m`m tml t`b ~s) emsx`
ah emsx` emlm `bh bh th`. ZBD tm`m l`b tk`b vhl vn tms mt l
emlm m`b ah a v` a fk xs ls mhs ~s tk`b eh`m dkn`m zmt th` `
`m is dh.
! ZBD ia tt l`b tl tms lmh th` at v tmn`m tk` `mn`m `mx) n` tk`)
lm`m }l tmck xs ls ln ll ` v eh`m t. @m vx) t i v` msx `b t ll `
v eh`m t t`b t .3=# `a 6::8 ` :) t`b `b
emk`b b` = t `b
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
22/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
LM@B HHH7 BHH ZMZ @@B LNK MHS ^S MSX @B _@ TH
@MTALZ H ) ZM@B BHNK DLM @BSX@ LM TMN@M) M @H. `m m`b msx `b v`
! Tk`b `m`b `a th) ZBD @bsx` Lm Tmn`m l` l fht ~sn` ta x a`m
l`b tl `bs` v`7 l b`b dsx t v t`b t`b `bs` v` mh` l) lm `b `bmh`
ls tm t`b l zm`b ` ah mz i. Tk v` tm`b ~sn ll `bmhz v tmn`m
tk` i m`m tml msx `b v` mhs ~s `mt) fh em`b lm l lmh zm t ih tmz a
l` an`b ih `bs` tms dlm v `b e lmk @b` m`b.
! Tml mh` lmh` il msx `b v` zmh is` h h vh lmh` il | d`b v`)
`s em`b | bx z il i` v lmh zm v ia bha mhs ~s mkt `b msx `b v`.
! Thz tl n d`b mn ll m`m tml bh th` vh ll al ih |st ih`m mkt v mz
d` emlm m`b tms mt `bs` v` t `mhs tm`m zm` eh`m t) `mhs h t`b
emlm m`b.
! ]x d`b m`m `m z ln ZBD tk`b i`b emlm m`b tk d`b `ha th` v
ah ~sn` m is dh) tk ih tm l`m tn`m h`b l h vh ZBD) ll lmh `m`m `b`
m`b eml.
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8/2/2019 Thc trng v gii php nng cao hiu qu hot ng huy ng vn ti phng giao dch Nguyn Ch Thanh, NHTM
23/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
L e mklm tsx` d`b v k tk `m` vh` bhh -k tk lmsx` a`) e ``b
aa) `bkh `b)...() l lm h `b tm`m tlm lms`b emsx` emlm `m` vh`)
t`b mhs ~s l`b vhl
! ]x d`b v` mn dkn`m `bmhz7 _` v` mn dkn`m `bmhz i at tk`b`m`b xs t l f` tl `b `mhs ` et ~s eh`m dkn`m `h lms`b v et ~s msx
`b v` `h h`b ln `b` m`b. ]x d`b v` mn dkn`m `bmhz i`m a`m) tmh
ln `m` vh` `b` m`b ilm |) `b al lm`m i }x d`b f at) sx t` ln ZBD
h vh emlm m`b) l fht i h vh at ZBD ah l tm`m iz `m ZBD @bsx`
Lm Tmn`m. @ | i th |` v m`m) i `bs` il tk n ih tm l`m tn`m) tk `ha th`
lmk emlm m`b ` bh th`) tml x t`b t`b `bs` v` msx `b.
Lm h `b l`b f`b) emc` tm`b dn t` mhs ~s l`b vhl.
Lm t`b ll mkt `b k` tm `ma tk ah ~sn` m b` f bhn l` f)
`m` vh` tk`b ZBD v tk em`b em tmkh ah |ns bh ia lmk `m` vh`.
Tvn`b 6
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24/25
Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
ET IS@
@bmhz v msx `b v` is` i at tk`b `m`b `bmhz v l f`) ~sn` t`b
`mt v tl `b tl thz ` et ~s eh`m dkn`m ln `b` m`b tm`b ah. L`b tl`bs` v` l tml mh` tt v t mhs ~s lnk tm ah l tm ia bhn t`b ih `ms`
v a fk | zmt th` ` `m) f` v`b lmk ll `b` m`b. Fh vx) l`b tl `x
is` `m` l | s t) lm t`b ln zm`b bhnk dlm @bsx` Lm Tmn`m) @MTALZ
h ) lmh `m`m M @h. ^sn ~s t`m eh` tz `a ts` zm`b bhnk dlm) th `m`
tmx) h vh ZBD @bsx` Lm Tmn`m) tmh bhn` tm`m iz v h vk mkt `b m` mnh
`a em`b zmh i dh `m`b ZBD t l `m`b tm`m l`b `b e tk`b mkt
`b msx `b v`. Al d l` t` th at | em em` `m`b tk`b t`b inh) l`b
tl msx `b ln zm`b bhnk dlm mn m` | bt mh `mhs tm`m l`b m` `n `m |
~sn` ta `b al t lz t` l`b `m ` il ln l` f `m` vh` `b` m`b.
TH IHS TMNA EMK
Tvn`b 64
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Canhi7 isn`vn`=4Jbanhi.lka dkr`iknd is v` tnh isn`vn`.oksavh.lka
>. Bhk t`m @b` m`b tm`b ah[ ZB\. T\. @bsx` _` Th`
6. Bhk t`m `bmhz v eh`m dkn`m `b` m`b [ Ml vh` `b` m`b
:(4. Rcf|htc lm`m tml ln @MTALZ h 7 mttz7++rrr.dnhnfn`e.lka.v`+
3. At | th ihs eml
F@B E MHS _HT TT
>. @MTA7 @b` m`b tm`b ah
6. @MTALZ7 @b` m`b tm`b ah l zm`