tailieunhanh - Summary of financial and banking phd thesis: Development of commercial bank's non-credit services in Vietnam

To study the non-credit services development on two aspects of scale and quality for identification of both advantages and limitations to the development of commercial bank's non-credit services in Vietnam. On that basis, the thesis proposes solutions for commercial bank's non-credit services development in Vietnam. | THE MINISTRY OF EDUCATION TRAINING THE STATE BANK OFVIETNAM BANKING UNIVERSITY OF HO CHI MINH CITY - ra PHAM ANH THUY DEVELOPMENT OF COMMERCIAL BANK S NON-CREDIT SERVICES IN VIETNAM SUMMARY OF FINANCIAL AND BANKING PHD THESIS HO CHI MINH CITY 2013 2 THE MINISTRY OF EDUCATION TRAINING THE STATE BANK OFVIETNAM BANKING UNIVERSITY OF HO CHI MINH CITY - ra PHAM ANH THUY DEVELOPMENT OF COMMERCIAL BANK S NON-CREDIT SERVICES IN VIETNAM SUMMARY OF FINANCIAL AND BANKING PHD THESIS RESEARCH FIELD BANKING AND FINANCE CODE SCIENCE INSTRUCTOR PROF. DR. TRAN HOANG NGAN HO CHI MINH CITY 2013 2 3 INTRODUCTION 1. PhD Thesis s necessity and importance Vietnam officially became the 150th member of the World Trade Organization WTO . This WTO membership will bring both opportunities and challenges for commercial banks commercial banks in Vietnam requiring the commercial banks to implement their enormous reforms to maintain and develop their roles in the fiercely competitive business environment. In Vietnam the banking competition is rather fierce. All banks throughout the country are currently doing business with their great excitement. For every minute the banks are competing with each other by launching new products and services offering low interest rates process improvement modern banking technology application . In 2012 when Vietnam Government removed some restriction in field of bank finance the foreign banks performed their business with more free access. So far for commercial banks the main source of income is credit operations especially in respect of medium and long term credit real estate credit. Due to the credit operation is in possible risks and the State Bank of Vietnam SBV firmly decided to set the maximum growth rate the commercial banks were forced to increase their income from non-credit operation. However this is not easy way for commercial banks in the current period. It is one of financial restructuring activities of credit institutions in the master .

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