Speaking-PART-II - The purpose of this paper is to see whether and how G-10 banks have complied

PART II: SOLUTION DISCUSSION (~4 mins) Test 1 Situation:
If you won the lottery 1 million dollars, what would you like to do with this amount of money?
There are THREE options for you to choose: - Buying a new house - Opening a restaurant
- Travelling around the world
Explain the option you have chosen.
If I won the lottery of 1 million dollars, there are 3 options including buying a
house, opening a restaurant, and traveling around the world.
Personally, I think the idea of buying a house would be the best choice for the
following reasons. First, a house is an asset or a real estate and does not devalue
over time. In addition, my parents can live in a bigger house which is suitable for their life.
I don’t choose the opening a restaurant because it’s very difficult to do business.
We have to think much about the market, the costs and many more. I don’t choose
travelling around the world because it wastes a lot of money. We can save money for other necessary things. Test 2 Situation:
You are going to have a birthday party. You are thinking about the place to celebrate your birthday party.
There are THREE options for you to choose: - In a restaurant. - At home . - At work.
Explain the option you have chosen.
In my opinion, I would like to have my birthday party in a restaurant. Firstly, I think
it is very convenient because I don’t need to prepare much for the party, I just go
to the restaurant and have fun.
The birthday party site should be large enough to accommodate a variety of fun
activities that will liven up the party. Furthermore, you can engage an MC to
oversee the program so that the party runs well with entertainment and activities
for everyone to get to know one another. The comprehensive menu caters to a
wide range of preferences and introduces guests to new sensations from around
the world. As a result, you won't have to worry about your guests being bored by old, out-of-date menus.
For me there are two reasons that I don’t choose to hold my birthday party at
home or at work. Firstly, there are many things that have to be prepared before the
party starts and I have to clean it up after the party ends. You have to prepare
everything from cooking to decorating to arranging tables and chairs. Secondly, I
don’t think my home can afford enough space for all my friends and family to have
fun. Lastly, you won't be able to invite your loved ones if the organization is at
work; you'll only be able to have fun with your coworkers in a location where
people are unable to simply rejoice.
Therefore, I would like my birthday party at the restaurant. Test 3 Situation:
You are going to have an oral presentation about Hanoi capital. You are thinking
about a nice place to introduce
There are THREE options for you to choose: - Hoan Kiem Lake. - Temple of Literature. - Ho Chi Minh Mausoleum.
Explain the option you have chosen.
I would like to give a presentation about Ho Chi Minh Mausoleum in Hanoi because
this is one of the most popular tourist attractions in Hanoi. Ho Chi Minh
Mausoleum is the resting place of “Uncle Ho,” the beloved founder of the
Democratic Republic of Vietnam. Many visitors who come to pay their respects.
Uncle Ho is the person who made great contributions to the independence and
freedom of the Vietnamese people.
I don’t choose Temple of Literature because most of things there are doing
sightseeing, observing the historical artefacts so I think it’s quite boring.
I don’t choose Hoan Kiem Lake because it is also about going sightseeing. I don’t
really like going for a walk around Hoan Kiem Lake during the day or at night.
To sum up, if I were in the situation, I would choose to do a presentation on Ho
Chi Minh Mausoleum so I can confidently complete it. Test 4 Situation:
Next week is your best’ friend 's birthday. You are going to give her a great birthday present
There are THREE options for you to choose: - A book. - A scarf. - A handbag.
Explain the option you have chosen.
Next week is my best friend's birthday. I am going to give her a great birthday
present. There are three options for me to choose such as a book, a scarf and a
handbag. From my point of view, the best choice for me is a book because of some following reasons:
Firstly, she loves to read books and collects a lot of books. Secondly, buying books
is within my budget because I am still a student. Finally, recently she has become
interested in a book named “...” but she hasn’t bought it yet. Therefore, I think she
will be very happy if I give it to her.
However, I don’t choose a scarf to give my friend because the weather in Vietnam
is hot and my friend doesn't like scarves. Also, I don’t choose to give the handbag to
my friend because she already has a lot of handbags at home so I don't think my friend will need any more.
To sum up, if I were in this case, I would buy a book for her because of the reasons mentioned above Test 5 Situation:
You are a director of an English center. You are going to advertise your English center through media
There are THREE options for you to choose: - Television - Radio - Social networks
Explain the option you have chosen.
If I had to make a decision about what media I would advertise my English center
through, I would choose the social networks. There are some main reasons for my choice.
Firstly, in the era of technology, social networks have advanced rapidly. People
mainly use social networks to contact other people. It becomes an essential thing in
our life. Besides, people also use it for updating news or finding some information,
or basically, they share the information with each other. So it would be a good
medium to advertise, because it would be fairly easy to catch people’s attention by
advertising via social networks.
I don’t choose two other options because of several reasons. The television is also a
good option, but I think people nowadays are too busy to watch TV. Besides, they
prefer taking portable devices such as smartphones, tablets,… It’s more convenient
to access the Internet and get the information. And the radio, seems out of date. I
think only the elderly still use them.
To summarise, because of the effects and convenience of social networks, I decide to choose this option.
NGÂN HÀNG NHÀ NƯỚC VIỆT NAM
BỘ GIÁO DỤC VÀ ĐÀO TẠO
TRƯỜNG ĐẠI HỌC NGÂN HÀNG TP. HỒ CHÍ MINH ------ BÁO CÁO THỰC TẬP
HOẠT ĐỘNG CHO VAY TIÊU DÙNG ĐỐI
VỚI KHÁCH HÀNG CÁ NHÂN CỦA NGÂN
HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ.
Sinh viên thực hiện: Trần Thị Mỹ Hạnh MSSV: 050607190134 Lớp: HQ7_GE07
Khoa: Tài chính – Ngân hàng
GVHD: TS. Trần Trọng Huy Tp. Hồ Chí Minh, ...
DANH MỤC TỪ VIẾT TẮT
DANH MỤC SƠ ĐỒ, BẢNG, BIỂU ĐỒ MỤC LỤC LỜI MỞ ĐẦU
CHƯƠNG 1. TỔNG QUAN VỀ NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á
CHÂU – PHÒNG GIAO DỊCH HÀM TỬ
1.1.GIỚI THIỆU CHUNG VỀ NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á
CHÂU – PHÒNG GIAO DỊCH HÀM TỬ
1.2.CƠ CẤU TỔ CHỨC VÀ CHỨC NĂNG CỦA CÁC PHÒNG BAN TẠI
NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU – PHÒNG GIAO DỊCH HÀM TỬ
1.2.1.Cơ cấu tổ chức tại Ngân hàng Thương mại cổ phần Á Châu – Phòng giao dịch Hàm Tử.
1.2.2.Chức năng của các phòng ban tại Ngân hàng Thương mại cổ phần Á
Châu – Phòng giao dịch Hàm Tử. 1.3.VỊ TRÍ THỰC TẬP
CHƯƠNG 2. PHÂN TÍCH HOẠT ĐỘNG CHO VAY TIÊU DÙNG ĐỐI VỚI
KHÁCH HÀNG CÁ NHÂN CỦA NGÂN HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ.
2.1.MỘT SỐ QUY ĐỊNH CỦA HOẠT ĐỘNG CHO VAY TIÊU DÙNG ĐỐI
VỚI KHÁCH HÀNG CÁ NHÂN CỦA NGÂN HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ.
2.2. CÁC SẢN PHẨM CHO VAY TIÊU DÙNG
2.3. QUY TRÌNH CHO VAY TIÊU DÙNG
2.4.THỰC TRẠNG HOẠT ĐỘNG CHO VAY TIÊU DÙNG ĐỐI VỚI KHÁCH
HÀNG CÁ NHÂN CỦA NGÂN HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ.
2.4.1 Hoạt động huy động vốn ACB - PGD Hàm Tử giai đoan 2018-2021
2.4.2 Tình hình dư nợ cho vay tại ACB- PGD Hàm Tử 2018 -2021 2.4.3...
2.5.ĐIỂM MẠNH VÀ ĐIỂM YẾU CỦA HOẠT ĐỘNG VAY TIÊU DÙNG ĐỐI
VỚI KHÁCH HÀNG CÁ NHÂN CỦA NGÂN HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ.
2.5.1.Điểm mạnh của hoạt động cho vay tiêu dùng đối với khách hàng cá nhân
của ngân hàng TMCP Á Châu - PGD Hàm Tử.
2.5.2.Điểm yếu của hoạt động cho vay tiêu dùng đối với khách hàng cá nhân
của ngân hàng TMCP Á Châu - PGD Hàm Tử.
2.5.3.Nguyên nhân dẫn đến kết quả hoạt động cho vay tiêu dùng đối với khách
hàng cá nhân của ngân hàng TMCP Á Châu - PGD Hàm Tử.
CHƯƠNG 3. NHẬN XÉT VÀ ĐỀ XUẤT MỘT SỐ KIẾN NGHỊ HOẠT
ĐỘNG CHO VAY TIÊU DÙNG ĐỐI VỚI KHÁCH HÀNG CÁ NHÂN CỦA
NGÂN HÀNG TMCP Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ. 3.1....
3.2. ĐỀ XUẤT MỘT SỐ KIẾN NGHỊ HOÀN THIỆN HOẠT ĐỘNG CHO VAY
TIÊU DÙNG ĐỐI VỚI KHÁCH HÀNG CÁ NHÂN CỦA NGÂN HÀNG TMCP
Á CHÂU - PHÒNG GIAO DỊCH HÀM TỬ. KẾT LUẬN TÀI LIỆU THAM KHẢO