: : 60340201 TPHCM - 2013 Tr PGS TS Tr ng Tr TRANG PH M CL C DANH M C L IM NG BI U U 1 V u: M u: u: Ph u: N u: a lu NV HI U QU HO NG C A NHTM 1.1 1.1.1 1.1.1.1 n T ng quan v i i ni m 1.1.1.2 B n ch t c i 1.1.2 Hi u qu ho ng c a NHTM 1.1.2 m hi u qu ho 1.1.2 ng i hi u qu u qu ho ng c a h th ng NHTM n hi u qu h ng c a NHTM ng kinh t c 1.2.1 ch quan: 1.2.1.1 a NHTM 1.2.1.2 Kh i 1.2.1.3 c qu n tr 1.2.1.5 , ch ng c 1.3 ng 10 u qu ho ng c a h th ng NHTM 10 1.3.1 c 11 1.3.2 11 K T LU 15 N HI U QU HO NG C A NHTM 2.1 Th c tr ng hi u qu ho 2.1.1 Th c tr ng hi u qu ho VI T NAM 17 ng c a h th t Nam 18 ng c a h th Vi t Nam 18 2.1.2 Th c tr ng hi u qu ho ng h th Vi t Nam giai n 1991-1999 20 2.1.3 Th c tr ng hi u qu ho ng c a h th Vi t Nam giai n 2000-2005 26 2.1.4 Th c tr ng hi u qu ho n 2006 t Nam giai 2012 31 2.2 Nh ng h n ch c a h th ng hi u qu NHTM Vi ng c a h th t Nam hi n 37 n hi u qu c a h th ng ng 40 u 40 2.3.2 D li u 41 u 41 2.3.4 K t qu u th c nghi m 45 K T LU CH 51 3: GI U QU HO NG C A H TH NG NHTM VI T NAM 52 u qu ho ng c a h th t Nam th i gian t i 52 3.1.1 Gi 52 52 gi t Nam 53 3.1.2 Gi 54 54 3.1.2.2 Hi n ph m, d ch v id ng chi k thu n 56 n ph m d ch v cung c ng ph c v truy n th c d ch v m i 57 c qu n tr ng h th ng k 59 p v i h th ng k c t 60 61 3.1.2.7 X m n x u 62 3.2 Ki n ngh v vi c h tr u qu ho ng c a NHTM Vi t Nam 63 K T LU 65 K T LU N 66 U THAM KH O Danh m u ti ng Vi t Danh m u ti ng Anh PH L C Ph l c 1: U i u qu ho n ph thu c (TOC) b Ph l c 2: U n p c n hi u qu u qu ho n ph thu Ph l c 3: K t qu th ng c a h th ng ng c a h th ng p c n hi u qu u qu ho n ph thu ng c a h p c n hi u qu theo l i nhu n Ph l c 4: K t qu h th nhu n Ph l c 5: B u qu ho n ph thu ng c a p c n hi u qu theo l i NHNN: 1990 19 21 -1999 22 1996 23 1993 1996 23 1997 24 1999 25 -2005 27 2000- 28 - 2005 29 t Nam 30 31 2006 2012 32 - 2012 35 36 28 2010 32 1 H i nh p kinh t qu c t ng t t y i v i b t k qu ti n hi c t o nh ng thu n l tham gia h i nh i nh c gia c nh nh L i nh p kinh t qu c t hi p c c gia th doanh m i v i nh ng kinh c c nh tranh gay g i th s c T th c ti n nh u qu ho n h i nh p hi hi u qu ho ng c a h th ng NHTM Vi t Nam giai t ng gi ng c a h th tv ch t th c nh c p thi U T HO N HI U QU NG C A H TH NG NHTM VI T NAM u qu c - Hi u qu ho - Th c tr ng ho nt ng c a h th ng hi n c a h th ng NHTM Vi - n hi u qu ho Vi - Nh ng gi -2011 ng c a h th ng NHTM i nh p? n ngh c a h th ng NHTM Vi t Nam? u qu ho ng 63 t 3.2 64 doanh 65 : 66 NHTM, T - -31 Frederic S Miskin (1994), , NXB , IMF (1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011), Vietnam: selected issue 10 , (2012), -168 11 12 , NXB 13 (17) 14-21 14 15 16 17 18 19 2006, 2007, 2008, 2009, 2010, 2011, 2012), 20 Peter S.Rose (2004), 21 22 23 24 Th 25 2015 26 27 doanh 25 (2009) 9-16 28 29 18-21 30 WB (2012), Banking sector Review Barbara Casu (2009), , working paper series wp 01/2009 Berger, A and Mester, L (1997), "Inside the black box: what explains differences in the effciencies of fnancial institutions?", Journal of Banking and Finance, 21, pp 95-947 B Yiwei Fang, Iftekhar Hasan and Katherin Marton (2011), Bank efficiency in South-Eastern Europe, The role of ownership, market power and institutional , Economic of Transition, 19 (3), pp 495-520 Hirofumi Uchida, Yoshiro Tsuitsui (2005), , Journal of Banking & Finance 29, pp 419 439 Joaquin, Maudos, Juan Fernandez de Guevara (2007 , Journal of Banking & Finance 31, pp 2103 2125 Jonathan Williams (2012), , Journal of Financial Stability 332, pp 111-114 Manthos D Delis , Efthymios G Tsionas (2009), bank- , Journal of Banking and Finance, 33, pp 1842-1850 Michael Koetter, James W Kolari and Laura Spierdijk (2008), competition? Testing the 'quiet life' of U.S banks with adjusted Lerner , 10 Journal of Banking & Finance 33, pp 621-649 11 Nathan, A., and E.H Neave (1992), "Operating efficiency of Canada banks", Joumal of Financial Services Research, 6, pp 265-276 12 , Economic Notes by Banca Monte dei Paschi di Siena SpA, 39, pp 173-202 13 Rima Turk Ariss (2010), , Journal of Banking and Finance, 34, pp 765-775 14 Sealey and Lindley (1977), "Measuring the Efficiency, of Decision Making Units", European Journal of Operational Research, 2, pp 429 - 444 15 Sophocles N.Brissimis, Manthos D Delis, Nikolaos I Papanikolaou (2008), , Journal of Banking & Finance 32, pp 2674 2683 16 Xiaoqing (Maggie) Fu, Shelagh Heffernan (2009), ects of reform on , Journal of Banking & Finance 33, pp 39 52 17 Wahyoe Soedarmono, Fouad Machrouh, Amine Tarazi (2011 , Journal of Asian Economics 22, pp 460 470 : 5: STT VP Bank Vietinbank- PGbank- MSB-maritimebank Kienlongbank Techcombank LienViet bank 10 11 12 13 14 15 16 17 18 - 19 20 21 22 23 24 25 26 27 Long (MHB) 28 29 30 ... u qu ho 2.1.1 Th c tr ng hi u qu ho VI T NAM 17 ng c a h th t Nam 18 ng c a h th Vi t Nam 18 2.1.2 Th c tr ng hi u qu ho ng h th Vi t Nam giai n 1991-1999 20 2.1.3... ng c a h th Vi t Nam giai n 2000-2005 26 2.1.4 Th c tr ng hi u qu ho n 2006 t Nam giai 2012 31 2.2 Nh ng h n ch c a h th ng hi u qu NHTM Vi ng c a h th t Nam hi n 37 n... 51 3: GI U QU HO NG C A H TH NG NHTM VI T NAM 52 u qu ho ng c a h th t Nam th i gian t i 52 3.1.1 Gi 52 52 gi t Nam 53 3.1.2 Gi 54 54