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Chuyen de 2 - Huy Dong Von Va Quan Ly Huy Dong Von
Chuyen de 2 - Huy Dong Von Va Quan Ly Huy Dong Von
Chuyen de 2 - Huy Dong Von Va Quan Ly Huy Dong Von
ch ngn hng v tch lu v tiu dng. Nhng ngn hng lu nm, thu nhp
rng ln, ngun vn tch lu t li nhun s cao so vi vn ca ch hnh
thnh ban u.
Ngun b sung t pht hnh thm c phn, gp thm, cp thm
m rng qui m hot ng, hoc i mi trang thit b, hoc p ng
yu cu gia tng vn ca ch do Ngn hng Nh nc qui nh c im
ca hnh thc huy ng ny l khng thng xuyn, song gip cho ngn
hng c c lng vn s hu ln vo lc cn thit.
1.1.3. Cc qu
Ngn hng c nhiu qu. Mi qu c mc ch ring. Trc tin l qu
d phng tn tht. Qu ny c trch lp hng nm v c tch lu li
nhm b p nhng tn tht xy ra. Qu bo ton vn nhm b p hao
mn ca vn di tc ng ca lm pht. Qu thng d l phn nh gi li
ti sn ca ngn hng v chnh lch gia th gi v mnh gi c phiu khi
pht hnh c phiu mi. Tu theo qui nh c th ca tng nc, cc ngn
hng cn c th c qu phc li, qu khen thng, qu gim c
Cc qu ca ngn hng thuc s hu ca ch ngn hng. Ngun hnh
thnh cc qu ny l t thu nhp ca ngn hng. Tuy nhin mt s qu NH
khng th s dng lu di.
1.1.4. Ngun vay n c th chuyn i thnh c phn
Cc khon vay trung v di hn ca ngn hng thng mi m c kh
nng chuyn i thnh vn c phn c th c coi l mt b phn ca vn
s hu ca ngn hng (vn b sung) do ngun ny c mt s c im nh
s dng lu di, c th u t vo nh ca, t ai v c th khng phi
hon tr khi n hn.
1.2. Vn n
1.2.1. Tin gi v cc nghip v huy ng tin gi
Tin gi khch hng l ngun ti nguyn quan trng nht ca ngn
hng thng mi. Khi mt ngn hng bt u hot ng, nghip v u tin
l m cc ti khon tin gi gi h v thanh ton h cho khch hng,
Trung tm Bi dng v T vn v Ngn hng Ti chnh - H Kinh t Quc dn
S d (31/12/X)
n v: T VN
50945
15521
35425
7270
3,8
4335
khc
5. Cc khon phi tr khc
791
6. Ngun khc
1100
7. Vn ch s hu
1814
7.1. Vn iu l
1150
664
66259,8
2. c im v cc nhn t nh hng
2.1. c im tin gi v cc nhn t nh hng
c im chung ca tin gi l chng phi c thanh ton khi khch
hng yu cu ngay c khi l tin gi c k hn cha n hn. S thay i,
c bit l tin gi ngn hn, lm thay i cu thanh khon ca ngn hng.
Qui m ca tin gi rt ln so vi cc ngun khc. Thng thng
ngun ny chim hn 50% tng ngun vn v l mc tiu tng trng hng
nm ca cc ngn hng.
Tin gi l i tng phi d tr bt buc, do vy chi ph tin gi
thng cao hn li tr cho tin gi. nhiu nc, ngn hng phi mua bo
Trung tm Bi dng v T vn v Ngn hng Ti chnh - H Kinh t Quc dn
ngn hng Nh nc v vay ngn hng khc tuy li sut thp song thng c
thi hn ngn, ch nhm m bo thanh ton tc thi khi nhu cu, thanh
ton ca khch hng tng cao. Vay Ngn hng Nh nc ph thuc rt ln
vo chnh sch tin t trong tng thi k. Vic vay mn cc ngn hng
ang thiu phng tin thanh ton. Mun m rng qui m vay mn trn th
trng lin ngn hng, mt ngn hng cn vn ti th trng lin ngn
hng quc t vi kh nng phn tch ri ro li sut v ri ro hi oi.
Vay thng qua pht hnh cc giy n trung v di hn ng vai tr
quan trng trong vic to v gia tng cc ngun trung v di hn n nh cao
cho ngn hng. Ngn hng c th s dng ngun ny cho vay cc d n,
ti tr cho trang thit b v bt ng sn ca doanh nghip v ngi tiu
dng. Cc nhn t nh hng quan trng nht l thu nhp ca dn c v n
nh v m, sau n l cc k thut nghip v ca ngn hng nhm to tnh
thanh khon ca cc giy n v thun tin i vi ngi cho vay. Mc d li
sut thng cao hn cc ngun khc, song ngn hng vn phi s dng pht
hnh giy n trung v di hn khi tin gi khng p ng c yu cu nh
n nh, qui m ln trong khong thi gian xc nh.
2.3. c im cc ngun khc
Phn ln cc ngun khc ngn hng khng phi tr li (li sut danh
ngha bng khng). Tuy nhin chi ph c v duy tr chng l rt ng k.
V d c cc ngun u thc ngn hng phi tm kim cc ch u t, tm
hiu yu cu ca h, nghin cu cc d n m h ti tr Nhn chung, cc
ngun khc trong ngn hng thng khng ln (tr mt s ngn hng c cc
dch v u thc cho nh nc hoc cho cc t chc quc t). Vic gia tng
cc ngun ny nm trong chnh sch tng ngun thu cho ngn hng v b
nh hng rt ln bi kh nng thc hin v m rng cc loi hnh dch v
khc.
3. Qun l vn n
Ngun vn ca ngn hng bao gm 2 loi chnh nu phn chia theo
hnh thc s hu: vn ca ch ngn hng v vn n. Khc vi nhiu loi
Trung tm Bi dng v T vn v Ngn hng Ti chnh - H Kinh t Quc dn
10
11
12
13
S d
Li sut
S d
Li sut
S d
Li sut
1/1
1/1
1/2
1/2
1/3
1/3
100
10%
120
11%
140
10,5%
60
12%
70
13%
75
12,5%
40
13%
50
14%
55
13,8%
14
15
16
17
18
hng cng b gim thp. Phn tch tnh thanh khon ca ngun vn bt u
t vic phn tch th trng ngun vn ca mi ngn hng thy c im
ca mi ngun (nh qui m, tc tng trng, vng quay, li sut v s
bin i ca li sut, t trng th trng ca ngn hng so vi cc t chc tn
dng khc). Ngn hng cn tp trung phn tch ngun vay mn t ngn
hng Nh nc v t cc t chc tn dng khc. Cc ngun ny tuy ngn
hn song c th c c trong thi gian ngn, nhm p ng nhu cu thanh
khon trong ngn hn. Cc ngun m ngn hng c u th cng cn c
xem xt.
3.3. Pht trin cc cng c n mi
Lch s pht trin ca cc ngn hng cng l lch s pht trin cc cng
c n. Bn cnh vay ngn hng Nh nc v vay trn th trng lin ngn
hng trong nc, cc ngn hng ang vn tay ti th trng lin ngn hng
quc t. Nhiu ngn hng ang pht trin v s dng cc chng ch tin gi,
cc hp ng mua bn li, cc giy n ngn hng. Cnh tranh ngy cng
gay gt gia cc ngn hng v gia cc t chc ngn hng v phi ngn hng,
cch mng cng ngh ang lm cho th trng ti chnh lin tc pht trin
v to ra cc sn phm mi.
Trong qu trnh pht trin v hi nhp, th trng cc cng c n ca
cc ngn hng thng mi Vit Nam ang c nhng bc tin quan trng.
Cc cng c n truyn thng ang c m rng: Tin gi thanh ton ang
c khuch trng, hng ti mc tiu l cc tng lp dn c. M rng
qui m, ko di k hn, a dng ha cc loi tin gi tit kim nhm huy
ng mi ngun tin nhn ri trong dn c ang l hot ng trng tm ca
ngn hng. Dn chng bit n ngn hng nh l ni m bo an ton v
sinh li cho cc khon tin tit kim ca h. Ngoi loi hnh tit kim ngn
hn bng ni t truyn thng, cc ngn hng thng mi Vit Nam a ra
cc loi tin gi bng ngoi t hoc m bo bng ngoi t, tin gi trn 12
thng. Bn cnh huy ng tit kim, nhiu ngn hng pht hnh k
phiu, tri phiu (c loi c th chuyn i), to cng c n mi, lm phong
Trung tm Bi dng v T vn v Ngn hng Ti chnh - H Kinh t Quc dn
19
Cu hi v bi tp
1. Trnh by cc hnh thc huy ng vn v phn tch cc nhn t nh
hng n qu trnh huy ng vn ca ngn hng thng mi.
2. Phn tch cc ngun tin gi v c im ca chng.
3. Phn tch cc hnh thc i vay v cc nhn t nh hng n hot
ng i vay ca ngn hng thng mi.
4. Phn tch mc tiu v ni dung qun l cc khon n ca ngn hng
thng mi.
5. Mt ngn hng huy ng
- Loi tit kim 6 thng vi li sut danh ngha (li sut thc t) l
1%/thng, tr gc v li khi n hn;
- Loi tit kim 12 thng, li sut danh ngha (li sut thc t) l
1,05%/thng tr li 6 thng 1 ln;
- K phiu ngn hng 13 thng, li sut danh ngha (li sut thc t)
1,1%/thng, tr li trc;
Yu cu: Tnh NEC (li sut hiu qu ca mi ngun tin) theo thng.
6. Mt ngn hng huy ng
- Tin gi thanh ton vi li sut l 0,5%/thng
- Tit kim 3 thng vi li sut l 0,9%/thng, tr gc v li khi n
hn;
- Tit kim 6 thng vi li sut l 1%/thng, tr gc v li khi n hn;
- Tit kim 12 thng, li sut l 1,05%/thng tr li 6 thng 1 ln;
- Tit kim 24 thng, li sut l 1,1%/thng tr li 6 thng 1 ln.
Yu cu: Tnh NEC ca mi ngun tin bit rng t l d tr bt buc
i vi tin gi thanh ton l 5%/nm, i vi tit kim ngn hn l
3%/nm, i vi tit kim trung hn l 2%/nm.
20
http://youtu.be/dSO3G1BuM8M
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Tin s Ton L nh Nam
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