PAGE
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Introduction
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3
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Chapter 1. MONET: SPECIAL GOODS IN FINANCE MARKET WCHICH: BANK – BASE OR MARKET – BASE
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Introduction
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5
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1.1. MONEY: SPECIAL GOOD
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5
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Money definition
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6
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Functions of money
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6
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Gold
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9
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Banknote: The state bank solely responsible for the issue of banknotes
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12
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Money war as all wars are fought for money
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12
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1.2. BANKING: NOW DOMINATED BUT FUTURE MAY BE NOT
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16
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1.2.1. History of Banking
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16
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1.2.2. Functions of Banking
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17
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1.3. FINANCE: BANK BASE OR MARKET BASE
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20
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1.3.1. Structure of financial system
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20
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1.3.2. The position of bank in financial system in Vietnam
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22
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1.3.3. Distinction between commercial banks and other finance institutions
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23
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1.3.4. The financial crisis
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23
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1.3.5. Financial global trends: Change services
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26
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1.3.6. Banking trend: Vitual bank
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28
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Chapter 2: BANKING SYSTEM CONSIST BANKS AND THE BANK OF BANKS
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31
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2.1. BANKING SYSTEM OF VIETNAM
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32
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2.2. STATE BANKING SYSTEM OF VIETNAM
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33
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2.3. BANK FOR SOCIAL POLICIES AND DEVELOPMENT BANK
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35
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2.4. COMMERCIAL BANKS, STSTEM OF PEOPLE’S CREDIT FUNDS, 100% FOREIGN INVESTED BANK AND FOREIGN JOINT VENTURE BANK IN VIETNAM
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38
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Chapter 3: BIG EQUITY BEGAN BUT DO NOTHING FOR BANKING BUSINESS
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43
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3.1. BANKING BUSINESSES FOR NOTHING
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44
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3.2. OWNERSHIP BANK’S CAPITAL
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45
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3.3. DEPOSIT AND SAVING ACCOUNT
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45
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3.4. DEMAND DEPOSIT (NON TERM DEPOSIT)
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47
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3.5. TIME DEPOSIT
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50
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3.6. OTHER DEPOSIT
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53
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3.7. STATE BANK LOAN
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56
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3.8. REFINANCING
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56
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3.9. LENDING FROM OTHER FINANCIAL INSTITUTIONS
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57
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3.10. INTER BANK LENDING
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58
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3.11. SPECIAL LOAN
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59
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3.12. DEPOSIT INSURANCE
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60
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Chapter 4: PROFIT AND RISK BANKING FOCUS ON CREDIT
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63
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4.1. CREDIT
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64
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4.2. BANK CREDIT CUSTOMERS
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64
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4.3. LANDING IN GENANRAL
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65
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4.4. OTHER LOAN
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82
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Chapter 5: PAYMENTS IS A MONOPOLY OPERATION OF BANKS
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89
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5.1. CASH
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90
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5.2. PAYMAENT
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91
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5.2.1. Checking account
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91
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5.2.2. Supplying means of payment
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92
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5.2.3. Bank account
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100
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5.2.4. Core banking
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101
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5.2.5. Balance sheet
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104
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5.2.6. Off balance sheet
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105
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5.2.7. Income statement
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105
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Chapter 6. COMPETITION AND TECHNICAL ADVANCES CHANGE TRADITIONAL BANKING SERVICES
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107
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6.1. CURRENCY OPTION
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108
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6.2. GOLD OPTION
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110
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6.3. PARTICIPATION IN THE MONEY MARKET
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111
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6.4. DEALING, SUPPLYING, FOREIGN EXCHANGE SERVICE, DERIVATIVE PRODUCTS
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111
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6.5. SELF INVERSTMENT
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114
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6.6. ADVICE AND SERVICE
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114
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6.7. OTHER SEVICE
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115
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6.8. BANKING CONSULTING SERVICES
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119
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Chapter 7. COLLATERAL ASSETS THE LIFEBUOY FOR LOAN
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125
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7.1. COLLATERAL FOR LOAN
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126
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7.2. CONDITIONS OF SECURITY ASSETS
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127
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7.3. TYPES OF SECURITY TRANSACTION
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127
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7.4. THE LEVEL LOAN COMPARES WITH THE VALUE OF SECURITY ASSETS
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130
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7.5. CONTRACT OF SECURITY TRANSACTION
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131
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7.6. NOTARIZATION OR CERTIFICATION OF SECURITY TRANSACTIONS
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131
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7.7. HOLDING OF COLLATERAL ASSETS
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132
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7.8. CASES OF DISPOSAL AND AGREED MODES OF DISPOSAL OF SECURITY ASSETS
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133
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7.9. ENDING THE LOAN-MAKING RETURN THE PROPERTY
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133
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Chapter 8: THE BRANCH AND SUB-BANCH ARE PROFIT CENTRE
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135
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8.1. BRANCHES AND SUB-BANCH ARE PROFIT CENTRE
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135
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8.2. ORGNIZATION OF BRANCH BANKING
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137
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8.3. POSITION OF BRABCH AND SUB-BRANCH
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141
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8.4. DIVISION MECHANISM
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141
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8.5. PROFIT CENTER
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142
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8.6. FINANCIAL ALLOT MENT FOR BRANCH
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142
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Chapter 9. HUMAN CAPITAL: THE MOTS IMPORTANT THAN BANK’S SIZE AND STRUCTURE
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145
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9.1. STRATEGY FOR BANKING
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145
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9.2. CREDIT RISK MANAGEMENT
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148
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9.3. MAINTENANCE QUALITY ACTIVITIES AT ALL TIME
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149
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9.4. BANKING SUPERVISION
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156
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9.5. ADMINISTRTIVE VIOLTION PUNISHMENT IN BANKING
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161
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9.6. CHNGES SUBJECT TO APPROVAL OF THE STATE BANK
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163
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9.7. BANKING MANAGEMENT TO ACHIEVE GOATS
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165
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9.8. BANKING ASSESSMENT
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165
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9.9. EMERGENCY CASES
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167
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9.10. APPLICATION OF SPECIAL CONTROL
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168
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9.11. HUMAN RESOURCES: THE MOST IMPORTANT
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168
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Chapter 10: SITUATION AND EXPERIENCE IN BANKING
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171
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10.1. BANKING COMPETION
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172
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10.2. FUNDING SOLUTIONS
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173
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10.3. RECOVERY OF BAD DEBTS
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175
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10.4. TEAM WORK
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176
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10.5. SITUATIONS
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176
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