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Phn tch SWOTNgn hng Bu in Lin VitGio vin: NGUYN TH BNH MINH01656832898minhnguyen89qb@gmail.com

Nhm 03Hu, 11/2014

GII THIU CHUNG V LIN VIT POST BANKIPHN TCH SWOTIIPHNG HNG PHT TRINIIISN PHM C TRNGIVKT LUNVNIDUNG

GII THIU CHUNG v Ngn hng Bu in Lin VitHin l mt trong 10 Ngn hng TMCP ln nht ti Vit Nam.

Tn giao dch quc t: LienVietPostBank(LPB)

Thng 3 nm 2008Ngy 1 thng 5 nm 2008

Vn iu l:3.300 tng.

Ngn hng Nh nc Vit Nam cp php hot ng LIENVIETPOSTBANKChnh thc ra mtCung cp cho Khch hng v X hi cc sn phm, dch v a dng vi cht lng cao

Mang li li ch cao nht cho Ngn hng Bu in Lin Vit v X hi.S MNHTM NHNTr thnh ngn hng bn l hng u ca Vit Nam - Ngn hng ca mi ngi.

PHN TCH SWOT v Ngn hng Bu in Lin Vit

W (WEAK)IM YU

S ( STRENG)IM MNHT (THREAT)THCH THCO (OPPOTURNITIES) C HISSTRENGIM MNH

S IM MNHH THNG MNG LI V CHI NHNH RNG KHPC quy m su, rng ti cp x , mng li lin tc c m rng vi gn 80 Chi nhnh, Phng Giao dch Ngn hng.Quyn khai thc hn 10.000 im giao dch Bu in 63 tnh, thnh trn c nc

S IM MNHPHNG GIAO DCHBnh thng, gn gi vi phong thi giao dch thn thin ca giao dch vin ti phng giao dch bu in l iu kin thun li cho ngi dn n gi tin tit kim.I NG NHN VINC uy tn v mi quan h gn gi vi chnh quyn v nhn dn a phng trong sut qa trnh cung cp dch v Bu chnh, vin thng.

S IM MNHSN PHM, DCH V

Ph dch v ti ngn hng l kh thp so vi cc ngn hng trong v ngoi ncCng tc m rng chm sc v quan h vi KH c nng cao, c bit l cng tc m rng v thu ht nhng DN va v nh. Trong hot ng bn l, LPB tr thnh mt trong nhng nh bn l c uy tn ti Vit Nam, cc sn phm bn l ca ngn hng rt a dng, nhanh chng, thun tin v an ton.WWEAKIM YU

W IM YU

NHNG TNH CCH KHNG PH HP VI CNG VICT khi thnh lp cho n nay (2008 - 2014), Ngn hng Bu in Lin Vit c 3 Tng Gim c qua tng thi im (theo quy nh th mi CEO s c nhim k l 5 nm)Nhn vin cn thi gian quen vi ngi iu hnh mi, nhng quy tc miCc KH giao dch cng kh thch ng vi mt s thay i trong giao dch

W IM YU

CNG TC QUN L RI RO1. Vic xy dng m hnh nh gi ri ro li sut mi ch n thun l tnghp s liu v x l trn Microsoft excel, cha c h thng chy t ng tcorebanking. 2. Cp chuyn vin tham gia hot ng qun l ri ro li sut cha c nhiukinh nghim, cha c tham gia nhiu kho hc chuyn su v qun l ri ro li sut.Bo co a ra cha thc s su sc v hiu qu.

Bo co c th a ra s liu khng chnh xc do nguy c sai stt vic tng hp l rt ln.OOPPOTUNITIESC HILienVietPostBank l ngn hng u tin Vit Nam i theo m hnh Ngn hng - Bu in.M HNH MI: NGN HNG - BU IN

O C HILienVietPostBank tip cn ti c h thng bu cc rng khp trn ton quc.LienVietPostBank c nhiu li th so vi cc i th cnh tranh khc. Ngun vn, vn iu l ca LienVietPostBank c xu hng tng ln (t 5.650 t ng ln 6.010 t ng sau khi VNPost gp vn bng gi tr ca VPSC)

TNG KH NNG CNH TRANHMNG LI HOT NG RNG LNVic pht trin mng li ca LienVietPostBank cng s tn km v thun li hn rt nhiu do c sn a im v tr thun li cho vic giao dch.

Nng lc ti chnh ca LienVietPostBank s c tng ln gip ngn hng tng kh nng cnh tranh pht trin theo m hnh mi.LienVietPostBank c iu kin thun li trong vic huy ng vn v cung cp cc sn phm dch v ti ngi dn trn phm vi ton quc, c bit vng xa, vng su.TTHREATTHCH THCLienVietPostBank phi xy dng mt c ch qun l mi kt hp gia ngn hng v bu in, trong phi hp nht thnh cng 2 h thng tn dng khc nhau.

T THCH THCVN QUN LTheo k hoch ra t u nm 2011, LienVietPostBank s phi chia c tc cho c ng vi t l 15%/nm. y l mt thch thc v sau khi nhn gp vn bng gi tr ca VPSC th chi ph ca LienVietPostBank s l khng nh nn thi gian vi nm u li nhun s b gim st.

LI NHUNM BO MC TIU RA

NGUN NHN LCXY DNG, NNG CP C S H TNGNgn hng cn tuyn dng, o to v o to li cn b ti cc bu cc cho ph hp vi cc tiu chun trong hot ng ngn hng.Cn phi xy dng v nng cp h tng c s ti cc chi nhnh bu cc trn ton quc. y l mt thch thc ln v s lng bu cc ln v tri rng trn ton quc.

Bi ton khTCH HP H THNG CNG NGH4. Nhiu bu cc vng nng thn kh khn v lin lc v thiu thn trang thit b. 3. Thi gian di trin khai1. S u t ln v c phn cng ln phn mm2. Chi ph o to v cng ngh ???PHNG HNG PHT TRIN ca Ngn hng Bu in Lin Vit3Tip tc thc hin chin lc di hn ca LPB: Bn l - Dch v - Kinh doanh a nng tr thnh Ngn hng bn l hng u Vit Nam - Ngn hng ca mi nh Hng ti th trng khch hng nng dn v nhng ngi nghoVi phng chm Sc mnh - i mi - Hiu qu - Bn vng - An ton.

Nng cao hiu qu lao ng v to ra sn phm mi vi phng chm ti thiu c nhng sn phm nh nhng ngn hng khc nhng n gin v thun tin hnTp trung thc hin cc chng trnh m rng tn dng v chng trnh 5000 t ng cho nng nghip, nng thn ng bng sng Cu Long.Tip tc khai thc cc sn phm phi sinh , nghin cu nhng sn phm mi, kinh doanh phi sinh lin thng vi th trng nc ngoi Tm huyt - i mi - Minh bch - on kt - Lng nghe - Thu hiu - Bn bc - Quyt nh - Quyt lit

SN PHM C TRNG ca Ngn hng Bu in Lin Vit4DCH V TIT KIM BU INDCH V TKB: dch v nhm huy ng ngun tin nhn ri ca dn c b sung ngun vn cho u t pht trin, ngun vn cho vay h ngho v cc i tng chnh sch khcc cung cp ti cc im giao dch thuc mng li Bu chnh ca Tng Cng ty Bu in Vit Nam theo ng quy nh ca Ngn hng Nh nc v php lut. Ch trng cung cp dch v ti chnh cho nhng ngi dn nng thn, nhng ngi c thu nhp thp, c bit l dn c ti cc vng su, vng xa

Ti khon tit kim c nhnTit kim c k hnTit kim gi gpDch v chuyn tinDch v thu h v Dch v chi h

DCH V TIT KIM BU IN

SN PHM TIT KIM C NHN

DCH V THANH TON

Hnh thc tit kim khng k hn m khch hng c th gi tin, rt tin, chuyn tin v thc hin cc giao dch thanh ton ti tt c cc phng giao dch bu in ni mng trn ton qucp dng cho c nhn Vit Nam ang sinh sng v hot ng hp php ti Vit NamTI KHON TIT KIM C NHN

Khch hng xut trnh 1 trong 4 loi Giy t ty thn cn gi tr s dng (Chng minh nhn dn, H chiu, Chng minh Qun i, Th Cng an). Np tin mt vi s tin ti thiu l 50.000 VN m ti khon TKCN. S dng ti khon.Loi tin p dng: VNDS d ti thiu: 50.000S tin giao dch ti thiu: 50.000K hn gi: khng k hnHnh thc giao dch: tin mt v chuyn khonPhng thc tr li: tr li ngy cui thng v khi tt ton ti khonMin ph m ti khonLi sut cnh tranh, th tc n ginPhng thc giao dch n gin, nhanh chng, an ton, chnh xc.Khch hng c th thc hin cc giao dch gi, rt tin v chuyn tin, thanh ton ti gn 1000 im bu in cung cp dch v ton qucCc ph chuyn tin hp dn

C IM

TIN CH

TH TCL giao dch chuyn tin t ti khon TKCN ny sang ti khon TKCN khc m ti h thng cc phng giao dch bu in.S tin giao dch ti thiu: 50.000 VN Chuyn tin gia hai ti khon tit kim c nhn Chuyn tin mt t ngoi vo ti khon TKCN Trch chuyn t ng t TKCN sang Tit kim gi gp(TKGG) L giao dch chuyn tin mt vo ti khon TKCN ca ngi th hng m ti h thng cc PGDB.S tin giao dch ti thiu: 50.000 VN L dch v m sau khi ng k thc hin, h thng s t ng trch tin t ti khon TKCN sang ti khon TKGG ca cng 1 khch hng theo nhk hng thng. Khch hng c th gi gp nh k m khng cn phi n PGDB giao dch. S tin trch chuyn ng bng s tin khch hng ng k gi gp nh k.

Vi phng chm coi trng khch hng cc bu in m ca giao dch c nhng ngy ngh, nhn vin n tn a ch ca khch hng gii thiu, hng dn lm th tc khi c yu cu. Mt khc, vi mc li sut c k hn 12 thng tr ln ca Ngn hng TMCP Bu in Lin Vit vn gi mc (7,5% - 8,5%/nm), cao hn mt s ngn hng khc nn c nhiu ngi dn khu vc nng thn, ngi c thu nhp thp la chn.

i tng phc v ca Tit kim Bu in mang tnh x hi cao v Ngn hng Bu in Lin Vit v Tng cng ty Bu in Vit Nam lun ch trng cung cp dch v ti chnh cho nhng ngi dn nng thn, nhng ngi c thu nhp thp, c bit l dn c ti cc vng su, vng xa..la chn ca ng o cc tng lp dn c, nht l a bn dn c khu vc nng thn.

Theo tng hp t Bu in tnh, n thi im ny, s d tin gi qua h thng bu in, bu cc ton tnh t gn 200 t ng, tng hn 4 t ng so vi cng k nm trc.QUY TRNH TIN GI THUN TIN.HN MC TI THIU CA MN TIN GI NHTHI GIAN M CA GIAO DCH DI

KT LUN5NGN HNG BU IN LIN VIT l ngn hng TMCP ln nht Vit NamS kt hp gia ngn hng v bu in to cho LVP mt m hnh mi. iu ny mang li cho LPB nhng c hi mi m nhng cng ng thi ng trc nhiu thch thc Tuy nhin trong nhng nm qua LPB khng ngng nng cao vai tr v th ca mnhCc sn phm a dng, ph hp vi nhu cu ca ngi tiu dngTrong tng lai, LPB s ha hn pht trin hn na, nng cao cht lng dch v

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