(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
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(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
CHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch commercial banks are proposed depend on the development history of the hanking system and researching aspects.Based on types of services that commercial banks provide. Prof Peter s. Rose defines: “Commercial banks is a type of financial institution that provides the most diverse list of financial s (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchervices, especially credit, savings, payment services and performs larger range of financial functions than any other business organizations in the ec(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
onomy." (Peter S.Rose (2004), Commercial Bank Management (Translation), Financial Publishing House, Hanoi).In terms of main activities of commercial bCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchtrading in monetary field with the regular operation is receiving deposits in many different forms, and using this amount of money for credit, provide payment services to economic entities aming at profit." (Associate Prof. PhD Tram Thi Xuan Huong, M.Sc Hoang Thi Minh Ngoc. (2013). Commercial bankin (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchg textbook, ĨỈO Chi Minh University of Economics, Economic Publishing House).Within the scope of this thesis, the author uses the definition which is(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
extracted from Commercial banking textbook of Ho Chi Minh University of Economics, and this definition is used throughout the thesis because of its hiCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchwing for lending. This proves that one of the important function of a commercial bank is acting as a credit intermediary, that is, on the one hand, the bank will mobilize idle money on all subjects in society from businesses, organizations, households, individuals,...on theother hand, the bank will (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchuse this borrowed capital to relend to entities that need additional capital. By this way. commercial banks will be the bridge between the temporary c(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
apital-deficient entities who need to borrow, thereby creating benefits for all three parties: depositors, banks and borrowers. Commercial banks w illCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchhe existence and development of the bank.Figure 1.1. Capital flows in commercial banks(Source: Summarized by author)Through the credit intermediaries, commercial banks contribute to the utility of all participants and the general benefits of the economy.-For depositors: they gain the benefit from th (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branche temporarily idle capital in the form of deposit interest that the bank pays them. Moreover, the bank guarantees them the safety of deposits and prov(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
ides convenient payment services.-For borrowers: they w ill be satisfied the capital needs for business, spending, payment without incurring a lot of CHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchconomy: this function plays an important role in promoting economic grow th.b.Payment intermediariesA commercial bank is acting as a payment intermediary when it performs the payment required by customers such as deucting money from their deposit account to pay for goods and services or entering cus (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchtomers'account to collect sales andother revenues according to their commands. In here, commercial banks play the role of “treasurer” for businesses a(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
nd individuals because they hold their accounts.Commercial banks perform payment intermediaries on the basis of performing credit intermediaries. BecaCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchcustomers make payment via the bank, place the bank in the intermediary of payment. Besides, the direct cash payment among economic entities has many limitations like risks in money transportation, large payment costs, especially for remote customers, and this created demand for customers to make pa (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchyment transactions via banks.c.Representative money creationRepresentative money is a non-material currency, essentially just numbers on a bank accoun(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
t which arc created through the credit activities of the commercial banking system. This currency type can be easily converted to cash, has the same fCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchnducted through the credit and payment activities within the banking system, in close relationship with each country’s Central Banking system It is the ability to turn the initial deposit level at the first bank received deposit into a large amount of money when performing multiple credit payment tr (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchansactions through many banks. Commercial banks make the representative money from the Central Bank. If there are no constraints, the ability to make(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
representative money is unlimited. However, under the control of the Central Bank, commercial banks only create representative money within certain liCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchCentral Bank in all aspects. In particular, commercial banks must always obey the regulations of the Central Bank on the implementation of monetary policy to stabilize the value of money, make the amount of moneysupply in the economy must match the needs of society. To do this, the attraction of dom (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchestic and foreign capital through commercial banks must be used for the rightpurposes and requirements of the economy. Credit generated from commercia(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
l banks must be effective on the basis of lending to expend production, develop trading, create jobs for workers and contribute to the implementation CHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch sources for commercial banks, playing an important role and affecting the quality of bank operations. This is the first basic operation of a commercial bank. Commercial banks mobilize capital in many different forms, specifically:- Mobilizing capital from deposits of residences, including demand de (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchposits, term deposits and saving deposits.-I- Demand deposits is a type of money deposited by a customer in a bank without prior agreement on the with(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
drawal time. The bank has to pay only a low interest rate or may not have to pay interest on this deposit, because demand deposits of customers are veCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchnsure payments when customers demand it intermediately. The bank needs to take advantage of this deposit type as its business capital because of the difference of input and output deposits between customers' accounts in the process of capital Hows, therefore, the bank can earn from these differences (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch.+ Term deposits is a type of deposits that customers deposited into banks and there is a prior agreement on the withdrawal time. This type of deposit(Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branch
s is relatively stable as the bank can determine the withdrawal time for paying to customers on time, hence, the bank can use fully that deposits for CHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts of (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchiate term of deposits with the amount of idle money that they have. Commercial banks have the right to use term deposits in a certain time period, so this type of deposits are paid with higher interest rates than demand deposits. (Luận văn tốt nghiệp) solutions for developing e banking services at agribank tay do branchCHAPTER 1: LITERATURE REMEW OF ELECTRONIC BANKING SERVICES1.1.Overview of commercial banks1.1.1.Definition of commercial banksToday, many concepts ofGọi ngay
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