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Situation, Solutions To Improve The Efficiency Of Credit Operation To Smes In The Sai Gon Joint Stock Commercial Bank (Scb)

TABLE OF CONTENTS DECLARATION i ABSTRACT ii ACKNOWLEGEMENTS iii TABLE OF CONTENTS iv LIST OF ABBREVIATIONS vii INTRODUCTION 1 CHAPTER 1 4 LITERATURE REVIEW 4 1.1. Commercial banks 4 1.1.1. Definition 4 1.1.2. Basic activities of commercial banks. 5 1.1.3. Bank credit 8 1.2. Small and medium – sized enterprises (SMEs) 11 1.2.1. Definition 11 1.2.2. Characteristics of SMEs 11 1.2.3. Roles of SMEs 12 1.2.4. Standards of SMEs in the world and Viet Nam 13 1.2.5. SMEs in Viet Nam and Hai Phong 15 1.3. Credit operations to SMEs 16 1.3.1. Definition of lending 16 1.3.2. Features of credit operation 17 1.3.3. Goals of credit operation 17 1.3.4. The efficiency of bank credit 18 1.4. The necessity of credit efficiency improvement 22 CHAPTER 2: CURRENT SITUATION OF CREDIT OPERATION TO SMEs IN SAI GON JOINT STOCK COMMERCIAL BANK, HONG BANG BRANCH, HAI PHONG CITY 23 2.1. Overview about Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2.1.1. The formation and development of Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city 23 2.1.2. Structure of SCB, Hong Bang branch, Hai Phong city 24 2.2. Current situation of business operation in SCB, Hong Bang branch, Hai Phong city in 2012-2014 25 2.2.1. Capital mobilization activity 25 2.2.2. Lending activity 28 2.2.3. Business result of SCB, Hong Bang branch, Hai Phong city 30 2.3. Current situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city. 32 2.3.1. Credit products and services to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.3.2. The process of granting credit terms to SMEs in SCB, Hong Bang branch, Hai Phong city 32 2.3.3. Scales and the situation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city 36 2.4. Evaluation of credit operation efficiency to SMEs in SCB, Hong Bang branch, Hai Phong city in 2012-2014 47 2.4.1. Achievements in credit operation efficiency to SMEs in SCB, Hong Bang, Hai Phong city 47 2.4.2. Limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 49 2.4.3. Reasons for limitations of credit operation efficiency in SCB, Hong Bang branch, Hai Phong city 50 CHAPTER 3: SOLUTIONS TO IMPROVE THE EFFICIENCY OF CREDIT OPERATION TO SMEs IN SCB, HONG BANG BRANCH, HAI PHONG CITY 52 3.1. Development orientation of SCB, Hong Bang branch, Hai Phong city 52 3.1.1. General orientation of SCB, Hong Bang branch, Hai Phong city 52 3.1.2. Orientation towards the improvement of credit operation efficiency to SMEs in 2015-2020 53 3.2. The experience of some countries in Asia about credit operation to SMEs and lessons learned to Viet Nam 54 3.2.1 The experience of some countries in Asia about credit operation to SMEs 54 3.2.2. Lessons learned to Viet Nam 55 3.3. Solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city 55 3.3.1. Focusing on the quality of capital mobilization activity. 55 3.3.2. Building a flexible lending rate mechanism to SMEs 56 3.3.3. Improving the efficiency of appraisal to SMEs 56 3.3.4. Simplifying loan procedures, loan profile to SMEs 57 3.3.5. Regular monitoring of credit to SMEs 57 3.3.6. Completing the information system 58 3.3.7. Improving the level of credit officers 58 3.4. Recommendations to the government, State Bank of Vietnam, SMEs and SCB’s headquarter 59 3.4.1. Recommendations to the Government 59 3.4.2. Recommendations to the State Bank of Viet Nam 59 3.4.3. Recommendations to SCB’s headquarter 60 3.4.4. Recommendations to SMEs 61 CONCLUSION 62 REFERENCE 63

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INTRODUCTION 1, Rationale of study Small and medium – sized enterprises (SMEs) play an important role for Viet Nam’s economy, especially in the period of industrialization, modernization as well as international economic integration. The fact shows that SMEs have contributed nearly 40 percent of GDP and 50 percent of jobs for the society. Therefore, this type of enterprises receives a lot of interest and support from the government. It is confirmed that the bank credit greatly contributes to the success of SMEs. The reason is that commercial banks are considered as a funding channel of national and global economy. They are very important position in financial intermediation system. In commercial banks, lending activity is one of the most basic and practical activity. However, commercial banks are cautious when deciding to make loans to SMEs because this type of enterprises has potential risks affecting the continuity of business operation of the banks and leads to the loss of banks’ solvency now. As a result, SMEs are difficult to access to capital of commercial banks and not many chances to innovate technology. It causes that the credit operation to SMEs of commercial banks is limited. Commercial banks in general and Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city in particular also make efforts to enhance the quality of credit to SMEs, but in fact, these banks only focus on loans to SMEs in the short term with high interest rates to limit risks, give complex loan procedures and resolutely say no to customers who do not meet the lending conditions. As a result, it significantly affects commercial banks’ profits and SMEs miss investment opportunities. Clearly, improving the efficiency of credit operation to SMEs is very important. Based on this viewpoint and current situation of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city, I chose the topic:

“Situation, solutions to improve the efficiency of credit operation to SMEs in the Sai Gon Joint Stock Commercial Bank (SCB), Hong Bang branch, Hai Phong city”

to study. 2, Aims of the study The study focused on the efficiency of credit operation to SMEs and solutions to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city. The research aimed at three main purposes. Firstly, the thesis gave theoretical background about credit operation efficiency to SMEs in commercial banks. Secondly, the thesis analyzed and evaluated current situation of credit operation to SMEs in SCB, Hong Bang, Hai Phong city. Finally, the thesis gave solutions and recommendations to improve the efficiency of credit operation to SMEs in SCB, Hong Bang branch, Hai Phong city. 3, Scope of study Studying the issues that clearly reflect the efficiency of credit operation to SMEs including the process of granting credit to SMEs, credit products and services to SMEs, the current situation of lending activity to SMEs, debt collection to SMEs, bad debts and overdue loans to SMEs of SCB, Hong Bang branch, Hai Phong city in the period of 2012-2014. From that, giving solutions to improve the efficiency of credit operation to SMEs in the branch. 4, Methodology To achieve the purpose of research, the thesis used some instruments as follow: The first is data analysis method. Specially, the thesis analyzed the situation of credit operation to SMEs in the branch through comparing data in the period of 2012-2014 to show the growth of credit operation to SMEs. Besides, the thesis also used financial ratios to evaluate the efficiency of credit operation to SMEs in the branch. The second is comparing method. The thesis compared standards of SMEs between some countries and Viet Nam, SMEs situation between Hai Phong and Viet Nam and the credit operation between theory and practice in order to improve the persuasiveness of thesis and gave reasonable solutions. The third is statistical and descriptive method. The purpose of these methods is to measure, describe, present data, and then give conclusions from the data. With these methods, current credit situation to SMEs in the branch clearly pointed   The fourth is synthetic method through analyzing rationale of study in chapter 1 and data in chapter 2. 5, Organization of the study Besides introduction and conclusion, the thesis is divided into three main chapters as following: Chapter 1: Rationale of credit operation efficiency to small and medium – sized enterprises in commercial banks. Chapter 2: Current situation of credit operation for small and medium – sized enterprises in Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city. Chapter 3: Solutions and recommendations to improve credit operation efficiency for small and medium – sized enterprises in Sai Gon Joint Stock Commercial Bank, Hong Bang branch, Hai Phong city.

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