DSpace at VNU: Consumer lending - the case of Techcombank

Consumer lending - the case of Techcombank Hoàng Mỹ Khoa Quản trị Kinh doanh Luận văn Thạc sĩ ngành: Kinh doanh và quản lý; Mã số: 60 34 05 Người hướng dẫn: TS.. 12 5 Research Struc

Trang 1

Consumer lending - the case of Techcombank

Hoàng Mỹ

Khoa Quản trị Kinh doanh Luận văn Thạc sĩ ngành: Kinh doanh và quản lý; Mã số: 60 34 05

Người hướng dẫn: TS Phạm Thị Nhuận

Năm bảo vệ: 2010

Keywords: Quản trị kinh doanh; Ngân hang; Cho vay; Người tiêu dùng

Content

TABLE OF CONTENTS

ACKNOWLEDGEMENT

ABSTRACT

TÓM TẮT

TABLE OF CONTENTS

LIST OF FIGURES AND TABLES

EXECUTIVE SUMMARY

INTRODUCTION

1 Background to the issue ……… 9

2 Problem Statement and Research Objectives of the study 10 3 Scope and Limitation of the Research ……… 11

4 Research Methodology ……… 12

5 Research Structure ……… 12

Chapter 1: COMMERCIAL BANK’S CONSUMER LENDING - THEORETICAL FRAMEWORK FOR ANALYSIC 1.1 The Basis of Bank Lending ……… 14

1.2 The Basis of Consumer Lending ……… 17

1.2.1 The Concept of Consumer Lending ……… 17

1.2.2 The Nature of Consumer Lending ……… 18

1.2.3 The Types of Consumer Loans ……… 19

Trang 2

1.2.4 The Effects of Consumer Lending ……… 24

1.2.5 The Factors Impacts on Consumer Lending ……… 25

1.3 The Process of Consumer Lending……… 27

1.3.1 Receiving application and collecting information ……… 28

1.3.2 Evaluating applications ……… 29

1.3.3 Approving loans ……… 32

1.3.4 Managing and collecting loans ……… 33

1.4 Precautions to be taken in granting consumer loans … 34

1.5 Pricing and structuring of consumer loans 35

1.5.1 Loan pricing ……… 35

1.5.2 Loan structuring ……… 37

1.6 Consumer Lending Quality ……… 37

1.6.1 Consumer Lending Quality from Different Perspectives 37

1.6.2 Measuring the Quality Consumer Lending ……… 39

Chapter 2: CURRENT SITUATION OF CONSUMER LENDING AT TECHCOMBANK 2.1 Techcombank profile ……… 44

2.1.1 History and Development ……… 44

2.1.2 Vision and Mission ……… 46

2.1.3 Techcombank’s Organization ……… 46

2.1.4 The Products ……… 47

2.1.5 Achievements ……… 47

2.2 Current Situation of Techcombank’s Consumer Lending 47 2.2.1 Consumer Lending Process ……… 47

2.2.2 Consumer Lending Quality ……… 52

2.2.3 Quality of consumer loans ……… 56

2.2.4 Quality of Service ……… 58

2.3 Assessment of the Techcombank’s Consumer Lending Quality ……… 62

2.4 Development Trend of Techcombank’s Consumer Lending ……… 66

Trang 3

Chapter 3: CONCLUSIONS AND RECOMMENDATIONS

3.2.1 Developing the Outstanding of Consumer Loans ……… 69 3.2.2 Increasing in Capital Mobilization ……… 70 3.2.3 Clarifying the Responsibility of Professional Divisions … 70 3.2.4 Applying and Revising the Credit Scoring System ……… 71 3.2.5 Applying Up-to-date Technology and Modern Equipments 72 3.2.6 Following Some Tactics in Evaluating Applications and Mitigating Credit

3.2.7 Expanding the Key Performance Indicators (KPIs) ……… 74 3.2.8 Increasing the Quality of Information Provided by the Credit Information

3.2.9 Enhancing Human Resource Quality ……… 74 3.2.10 Responding to Changing Consumer Need and Purchasing Behavior

3.3 Limitations of the Research and Recommendations for Further Study

77

REFERENCES……… 79

APENDIXES……… 81

APPENDIX 1- QUESTIONNAIRE

APPENDIX 2- TECHCOMBANK ORGANIZATION CHART

APPENDIX 3: TECHCOMBANK’S PRODUCTS

References:

(a) Books and magazines

1 Behrens, C.F, 1952, Commercial Bank Activities in Urban Mortgage Financing

2 Bland, M.E, 1998, The Usefulness of Missing Information on Personal Loan Applications

in Differentiating Approved from Denied Loans and Late-Paying from Timely Paying Loans, University of Mississippi

Trang 4

3 Bock, C., 1994, Credit-Get it: How to Get the Credit You Deserve, Handle Debt Wisely

and Build a Secure Financial Future, Action Publishing, Monument, Colorado

4 Choi, D.Y., 1997, Service Competition in Retail banking, University of California, Los

Angeles

5 Duggan, A & Lanyon, E 1999, Consumer Credit Law, Butterworths, Sydney

6 Evan, D.S & Schmalensee, R., 1999, Paying with Plastic: The Digital Revolution in

Buying and Borrowing, MIT Press, Cambridge, Massachusetts

7 FDIC, 2007, Quarterly banking profile

8 Hochiminh City Security Corporation Report, 2009, Company Update, Feb 2009

9 Hyman, L.R., 2007, Debtor Nation: How Consumer Credit Built Poswar America, Cambridge, Massachusetts

10 Iossa, E & Palumbo, G., 2006, Overoptimism and lender liability in the consumer credit

market

11 Lawrence, D & Solomon, A., 2002, Managing a consumer lending business, 1st edition, Solomon Lawrence Partners

12 Linda, M.D., 1992, A prescriptive model for the control of commercial lending quality,

Georgia, US

13 Lown, C.S., Morgan, D.P & Rohatgi,S., 2004, Listening to Loan Officers: The Impact of

Commercial Credit Standards on Lending and Output

14 Maki, M., 2000, The growth of consumer credit and the household debt service burden

15 Mann, R., 2006, Charging Ahead: The Growth and Regulation of Payment Card

Markets, Cambridge

16 Nilsen, J.H, 1999, Trade Credit and the Bank Lending Channel, Studienzentrum

Gerzensee

17 Oesterreichische Nationalbank (OeNB) and Austrian Financial Market Authority (FMA),

Credit Approval Process and Credit Risk Management

18 Ostergaard, C., 1998, Essays on Bank Lending: Portfolio Risk and Consumer Credit,

Rhode Island

19 Sathye, M, et al., 2003, Credit Analysis and Lending Management, John Wiley & Sons Australia, Ltd, Australia

20 Thomas, S., 2004, New ideas in credit process

Trang 5

21 Weaver, P.M & Kingsley, C D., 2001, Banking and Lending Practice, Lawbook

Company, North Ryde, New South Wales

22 Weaver, P.M & Shanahan, K.M 1994, Banking and Lending Practice, Serendip,

Sydney

23 Weerasooriya, W 1998, Bank Lending and Sercurities in Australia, Butterworhs, Sydney

24 Wyman, O., 1999, Report of Credit Process Redesign: Rethinking the Fundamentals

Định dạng
Số trang	5
Dung lượng	202,85 KB