To innovate the private capital in order to create harmoniously competitive environment for the hcm city commercial banks, vietnam

1.1. PURPOSE OF STUDY ................................................................................... 5
2.1. SOME GENERAL ISSUES OF STOCKHOLDER’S EQUITY OF
2.1.1. Overview of the equity capital of commercial bank ................................. 16
2.1.2. Constitute stockholder’s equity of commercial bank ............................... 17
2.1.3. The characteristics of the equity capital of commercial banks ................ 19
2.1.4. Basic functions of stockholder’s equity of commercial banks ................. 20
2.1.4.1. Stockholder’s equity performs responsibility function of asset for
2.1.4.2. Stockholder’s equity performs investment function to meet
2.1.4.3. Stockholder’s equity performs function to set up limitation for
2.2.1. General provisions on capital safe regime in business operation of
2.2.1.1. Regulation of capital safe concepts .............................................. 22
2.2.1.2. Regulations of determination regime of safety stockholder’s
2.2.1.3. The policies about shareholder ..................................................... 26
2.2.1.4. Legal regulations about adjustment these assess safety of capital
2.2.2. Factors impact the safety-capital assessment Standards ....................... 32
2.3. DUTY, CONTENT, MODEL AND MANAGEMENT CONDITIONS OF
2.3.1. Duty of own fund management of commercial bank ............................... 35
2.3.2. Content of own fund management of the commercial bank .................... 35
2.3.3. Models of managing the own fund of commercial bank .......................... 37
2.3.3.1. Own fund management following traditional model ...................... 38
2.3.3.2. Own fund management following the model associated with risk
2.3.3.3. Funds management following ROIF and ROFL model. ................ 40
2.3.3.4. Capital management in internal financial growth model ......... 45
2.3.4. Conditions on the own fund management of the commercial bank ........ 47
2.4.1. Role of risk management ........................................................................ 48
2.4.1.1. Risk management on operations................................................... 48
2.4.1.2. Risk management in credit operations .......................................... 49
2.4.1.3. Risk management in organizational structure ............................... 50
2.4.1.4. Management of risk affecting from outside ................................... 50
2.4.2. Role of income management .................................................................. 51
2.4.2.1. Management of factors affecting directly the income .................... 51
2.4.2.2. Management of factors affecting indirectly the income ................. 52
2.4.3. Role of general management of risk and income .................................... 52
2.4.3.1. General management of risk and income in short terms .............. 52
2.4.3.2. General management of risk and income in long terms ................ 54
2.5.1. Experiences of bank own fund management at macroscopic scale ..............56
2.5.1.1. In the world .................................................................................... 56
2.5.1.2. In Asian region .............................................................................. 57
2.5.1.3. In Asian ......................................................................................... 58
3.1. MANAGEMENT REAL SITUATION OF STOCKHOLDER’S EQUITY OF
3.1.1. Economic context before requirements of stockholder’s equity
3.1.1.1. World economic context ................................................................ 61
3.1.1.2. Economic context of Vietnam ........................................................ 62
3.1.2. Specific characteristic of activities of commercial banks in Vietnam....... 64
3.2.1. General real situation in management of stockholder’s equity at joint
3.2.1.1. The holding structure of business financial sources ..................... 65
3.2.1.2. Business financial operations ........................................................ 66
3.2.1.3. To ensure the capital safety targets .............................................. 70
3.2.1.4. Liquidity ......................................................................................... 72
3.2.1.5. The quality of account outstanding for loan .................................. 74
3.2.1.6. Financial status of business .......................................................... 76
3.2.2. Analysis of the financial capacity of joint stock commercial banks at Ho
3.2.2.1. The changes according to specific characteristic of
3.2.2.2. The changes in the operation ........................................................ 81
3.2.2.3. The change in resistance capacity of risk .................................... 86
3.2.2.4. The changes in the quality of operation ........................................ 89
3.2.2.5. Assessing financial capacity of the joint stock commercial banks
3.2.3. Analysis of effective in application of assessment standards for safety
3.3.1. Achieved results .................................................................................... 102
3.3.2. Constraints in the own fund management in HCMC stock commercial
3.3.2.1. General assessment on constraints ............................................ 103
3.3.2.2. Assessment on the constraints of the own fund management
3.3.2.3. Assessing the limitations in terms of governance, shareholder
3.3.2.4. Assessing the limitations in terms of operation safety ................ 105
3.4.1. The inadequacies of the business environment .................................... 106
3.4.2. Weaknesses in risk management ......................................................... 106
3.4.3. Weaknesses in the management and administration ........................... 107
3.4.4. Shortcomings in the financial ability ...................................................... 108
3.4.5. Shortcomings in the fund ownership structure ...................................... 109
3.4.6. Weaknesses in the management and supervision of State bank ......... 109
4.1. DEVELOPMENT ORIENTATION AND INNOVATION OF
4.1.1. Demand of minimum stockholder’s equity for development target in
4.1.1.1. The socio-economy development goals of HCMC. ..................... 113
4.1.1.2. Forecast of minimum capital requirements for banking at Ho Chi
4.1.2. Managing the average stockholder’s equity growth process for joint
4.2.1. Amendment of institutions, determining the model and positioning
4.2.1.1. Modify institutions, equity ownership. .......................................... 123
4.2.1.2. Development of banks according to versatile financial corporation
4.2.1.3. Reposition the active target market. ............................................ 126
4.2.2. Renewal of risk management mechanism under modern management
4.2.2.1. Complete overhaul of the factors affecting the risk management
4.2.2.2. Innovation of accounting systems, internal audit in accordance
4.2.2.3. To improve risk prevention mechanism....................................... 131
4.2.3. Renew the capital safe management mechanism in accordance with
4.2.3.1. Innovation of structure to determine stockholder’s equity safely. 133
4.2.3.2. Restructuring of all activities in accordance with capital safe
4.3. EXPANDING THE FRAME OF ASSESSMENT RATE OF SAFE
4.4. SYSTEM APPLICABLE CAPITAL TARGETS ASSESSED SAFETY
4.5. IMPLEMENTING THE MULTI-LAYERED MECHANISM FOR
4.6. BUILDING THE REGIME OF SAFETY CAPITAL DISCIPLINE STRICTLY
4.7. PERFECTING THE MECHANISM OF INSPECTION AND MONITORING
4.8. PROPOSING SOLUTIONS TO SUPPORT, INNOVATE, MANAGE
4.8.1. Proposing to Vietnamese state ............................................................. 148
4.8.2. Recommendations for the State Bank of Vietnam ................................ 151
4.8.3. Recommendations to People’s Committee of Ho Chi Minh city ............ 155
5.1. SUMMARY OF THE STUDY ..................................................................... 159
5.2. CONCLUSION ........................................................................................... 159
5.3. RECOMMENDATIONS .............................................................................. 161
5.4. OPPORTUNITIES FOR FURTHER RESEARCH ...................................... 161
1. PROPOSED STUDY
3. POPULATION AND SAMPLE OF THE STUDY
4. RESEARCH LOCALE
1.2. INTRODUCTION
1. What are the benefits that HCM City Joint stock commercial Banks can
2. How should HCM City Joint stock commercial Banks prepare for BIS’s
3. How can BIS’s standard system help HCM City Joint stock commercial
1.4. IMPORTANCE OF STUDY
1. To analyze preliminary in order to define the role and importance of the
2. To analyze depth the methods of private capital, the relationship between
3. In reference to the methods and reality have been analyzed, to spring from
4. For HCM City Joint – stock Commercial Banks, the thesis have put
5. The management offices supervise the bank in order to improve the effect