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Introduction

3

Chapter 1. MONET: SPECIAL GOODS IN FINANCE MARKET WCHICH: BANK – BASE OR MARKET – BASE  

Introduction

5

1.1. MONEY: SPECIAL GOOD

5

Money definition

6

Functions of money

6

Gold

9

Banknote: The state bank solely responsible for the issue of banknotes

12

Money war as all wars are fought for money

12

1.2. BANKING: NOW DOMINATED BUT FUTURE MAY BE NOT

16

1.2.1. History of Banking

16

1.2.2. Functions of Banking

17

1.3. FINANCE: BANK BASE OR MARKET BASE

20

1.3.1. Structure of financial system

20

1.3.2. The position of bank in financial system in Vietnam

22

1.3.3. Distinction between commercial banks and other finance institutions

23

1.3.4. The financial crisis

23

1.3.5. Financial global trends: Change services

26

1.3.6. Banking trend: Vitual bank

28

Chapter 2: BANKING SYSTEM CONSIST BANKS AND THE BANK OF BANKS

31

2.1. BANKING SYSTEM OF VIETNAM

32

2.2. STATE BANKING SYSTEM OF VIETNAM

33

2.3. BANK FOR SOCIAL POLICIES AND DEVELOPMENT BANK

35

2.4. COMMERCIAL BANKS, STSTEM OF PEOPLE’S CREDIT FUNDS, 100% FOREIGN INVESTED BANK AND FOREIGN JOINT VENTURE BANK IN VIETNAM

38

Chapter 3: BIG EQUITY BEGAN BUT DO NOTHING FOR BANKING BUSINESS

43

3.1. BANKING BUSINESSES FOR NOTHING

44

3.2. OWNERSHIP BANK’S CAPITAL

45

3.3. DEPOSIT AND SAVING ACCOUNT

45

3.4. DEMAND DEPOSIT (NON TERM DEPOSIT)

47

3.5. TIME DEPOSIT

50

3.6. OTHER DEPOSIT

53

3.7. STATE BANK LOAN

56

3.8. REFINANCING

56

3.9. LENDING FROM OTHER FINANCIAL INSTITUTIONS

57

3.10. INTER BANK LENDING

58

3.11. SPECIAL LOAN

59

3.12. DEPOSIT INSURANCE

60

Chapter 4: PROFIT AND RISK BANKING FOCUS ON CREDIT

63

4.1. CREDIT

64

4.2. BANK CREDIT CUSTOMERS

64

4.3. LANDING IN GENANRAL

65

4.4. OTHER LOAN

82

Chapter 5: PAYMENTS IS A MONOPOLY OPERATION OF BANKS

89

5.1. CASH

90

5.2. PAYMAENT

91

5.2.1. Checking account

91

5.2.2. Supplying means of payment

92

5.2.3. Bank account

100

5.2.4. Core banking

101

5.2.5. Balance sheet

104

5.2.6. Off balance sheet

105

5.2.7. Income statement

105

Chapter 6. COMPETITION AND TECHNICAL ADVANCES CHANGE TRADITIONAL BANKING SERVICES

107

6.1. CURRENCY OPTION

108

6.2. GOLD OPTION

110

6.3. PARTICIPATION IN THE MONEY MARKET

111

6.4. DEALING, SUPPLYING, FOREIGN EXCHANGE SERVICE, DERIVATIVE PRODUCTS

111

6.5. SELF INVERSTMENT

114

6.6. ADVICE AND SERVICE

114

6.7. OTHER SEVICE

115

6.8. BANKING CONSULTING SERVICES

119

Chapter 7. COLLATERAL ASSETS THE LIFEBUOY FOR LOAN

125

7.1. COLLATERAL FOR LOAN

126

7.2. CONDITIONS OF SECURITY ASSETS

127

7.3. TYPES OF SECURITY TRANSACTION

127

7.4. THE LEVEL LOAN COMPARES WITH THE VALUE OF SECURITY ASSETS

130

7.5. CONTRACT OF SECURITY TRANSACTION

131

7.6. NOTARIZATION OR CERTIFICATION OF SECURITY TRANSACTIONS

131

7.7. HOLDING OF COLLATERAL ASSETS

132

7.8. CASES OF DISPOSAL AND AGREED MODES OF DISPOSAL OF SECURITY ASSETS

133

7.9. ENDING THE LOAN-MAKING RETURN THE PROPERTY

133

Chapter 8: THE BRANCH AND SUB-BANCH ARE PROFIT CENTRE

135

8.1. BRANCHES AND SUB-BANCH ARE PROFIT CENTRE

135

8.2. ORGNIZATION OF BRANCH BANKING

137

8.3. POSITION OF BRABCH AND SUB-BRANCH

141

8.4. DIVISION MECHANISM

141

8.5. PROFIT CENTER

142

8.6. FINANCIAL ALLOT MENT FOR BRANCH

142

Chapter 9. HUMAN CAPITAL: THE MOTS IMPORTANT THAN BANK’S SIZE AND STRUCTURE

145

9.1. STRATEGY FOR BANKING

145

9.2. CREDIT RISK MANAGEMENT

148

9.3. MAINTENANCE QUALITY ACTIVITIES AT ALL TIME

149

9.4. BANKING SUPERVISION

156

9.5. ADMINISTRTIVE VIOLTION PUNISHMENT IN BANKING

161

9.6. CHNGES SUBJECT TO APPROVAL OF THE STATE BANK

163

9.7. BANKING MANAGEMENT TO ACHIEVE GOATS

165

9.8. BANKING ASSESSMENT

165

9.9. EMERGENCY CASES

167

9.10. APPLICATION OF SPECIAL CONTROL

168

9.11. HUMAN RESOURCES: THE MOST IMPORTANT

168

Chapter 10: SITUATION AND EXPERIENCE IN BANKING

171

10.1. BANKING COMPETION

172

10.2. FUNDING SOLUTIONS

173

10.3. RECOVERY OF BAD DEBTS

175

10.4. TEAM WORK

176

10.5. SITUATIONS

176