Tài liệu Nghiên cứu mối quan hệ giữa ngân hàng và doanh nghiệp phục vụ cho quản trị quan hệ khách hàng tại các ngân hàng thương mại việt nam

.PDF

186

816

101

dangvantuan Báo vi phạm

Tải xuống 101

Mô tả:

2356785879 !!"#$%&' #(' #)* (# + + + + + + + + - , - - ./0123401560789: 2356785879 !!"#$%&' #(' #)* (# + + + + + + , -./01,2/34.,564,7289,2:;<, =>?@A?@BCDEFG>BHINGJBKJLMGB O O O PQORSTUORVWOXYZ[O 11 3456789 7 11 1 !"#1$ 1%&$'(1)*!+,- .$/01213 4(45 1 !$% 6789:; 9<=:>?9>@ 111 3456789 1 1 !"# $%& '1! ()* 1 +1,-. /011234* 1 "#+!4546718*9 :121 ;1)1 #,<=>?@>@ABCDEFGDH6HIJDK(L/M"# 1NO 1!##8 1 P Q4!1RS/R #61,T U#U#(L V #( 1V 6 #/!4120.1 !W 1,K1"#1X YZ ,"[.1\420])1 ^ _`61,^^aab "# c1['1:dS 1 ^!# #8 e# 14K0::f0]12'gh0!1[6120 14ai6^6j!a.\K "#1X Y8 klmnopqmnoprmsntuvnwmxyxn Fz=I{DE {|n 12 345745 89 1 11 111 12 888!8211 "#2111 $% &'()3*+(,-./0123456789:;1<=4:1>?7@51>74A?4B31?C7D7E FG1:HI7@2;J5KL217@51>74A?E EM5?7@7@51>74A?4B31?C7D7E N5O7@8P7@@PJLQ14B31?C7D7R RG4=44B34B31?C7D7S 5'TU)VW XYZ8#[ 8\9]^_# `M a --8b7@c?37299a dededefghijfkjlmfnopa dedeqefrstfujvmftwxfnop-< dedeyefpztf{j|}ftwxfnop-F dede~efxjf{ftwxfkhj|kft}fmjf}xkfhlfhithfhkf{kfnop-N -<1.:5?:29LG1c?375175/0375-R deqedefghijfkjlm-R deqeqefpjf}xkfhlfqf{hf}xkfujvmf{jftkf{kf{it- deqeyeffhi{f{jvkftwxfmjf}xkfhlfq?8@A8@B<8CDE8FGB8=HI=8:A=H8C:JK=H8?L< 5676568MNF8O8C:Z=H8=HI=8:A=H8C:JK=H8?L<8CL<8[<>C8\B? ##)^&/_`()*&-ab-cd--.&'/34&',&-.&'/-01&'234 5656768fg<8hF:8FGB8Vij8OZ<8@k<8=HI=8:A=H8C:JK=H8?L< 56565689F8u=H8QS=H8Vij8CL<8F;F8=HI=8:A=H8 C:JK=H8?L<8[<>C8\B? 5656v68w8=H:xB8FGB8@<>F8=H:8H<{B8=HI=8:A=H8@A8QtB=:8 =H:<>|8|:SF8@S8F:t8Vij8CL<8F;F8=HI=8:A=H8C:JK=H8?L<8[<>C8\B? #Tcd&'-4}&d~)1+24()*&-a'4*&',&-.&'1.*&-&'-4a 56U6768\H: 56U6568\H: 56U6v68\H: 56U668\H:?@ 0121A134563789:;3B;C@3;DB 0121E134563789:;37FG:H37;IJ;KL 0121013M@N537FG:H376JKO PQ"#&2"R"S"&T)"#.K 01A1213UV5378WJ3JX<3:Y:37Z:H3[5<:3;\K 01A1A13U6J3]^537C376J3>_:H3>^:3:Y:37Z:H3[5<:3;\LK O!"#/#2̀"'a)bc2T)"#."&*"#+"&d,-)"#"./e 01E1213U6J3H@<@3>=f:3B;67378@N:3JX<3gC@3[5<:3;\e 01E1A13U6J3h537;^3B;67378@N:3JX<3gC@3[5<:3;\3i37j:H3H@<@3>=f:PP 01E1E13k;l:37IJ;379:;3;5C2:H3[563789:;3B;67378@N:3gC@3[5<:3;\3H@m<3nH8@o<:p3qr3 Js:H37]3tuM3vr3k;=:H3PO wx#+"#'y"&'a)bc2T)"#."&*"#+"&d,-)"#"./z2{2.)bP| }~ O 345678 {Q Oe "1RTS""''a)""Oe P~c&2'#-#-z"&TS"T)"#.#'##+"&z2''"&*"#+"& #$%"&bz2L 1A1213Y3>:;3;F:H3J;@^:3FDJ3U3L 1A1A13Y3;=f73>_:H376J3:H;@\B3P 1A1E13Y3;=f73>_:H3;378De Oz"'#'a)""'1+"#("&#$"&""'2/#-| }~ K L ~¡¢£ ¤¥Q¦£§¨} © ¢ ª ~« ¢¬¡¡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𔺘!5(569 5 3456789: 456151611*05/)151 561;56!5(56(,*5561/01112 34567897 45615-1(555615 61;56!5(56(,*5561/01112 99 993 997 99< 9:3 1 23457895 45 "#$%&$'()*+,-./ 1 23$)45678919$:(7;<5$=>$%&$ ? @/>$$)<5678%A5B%AC$)$D$)%A919 1 =$)48$62F">GC=$HI,$%&5H 11 "#5678LI,+,*(8> ? "#$M7N$) ?1 2 C%P$/8Q$N=$R$M J 2%A;-$)(;GS*(LT)CS+,2#$N ,U( J1 ";-7$)V(H),C- J? 2 N=$6INW5678I,B*(8> JJ @68(*D7T))CS#$N ,U( J! XGY>S=$7M+R5678LI,+, *(8>$HZ8$[5 ! 0 11 1E JK E0 O? 0 0O 0 1 1! ?J 1 23457894 !"#$%&'(%)*"%+(,$%!-%".,%$/$%!0$%10%23,$!%$!"-4%4!5&%15% &!3%+(6$%789%+(,$%!-%:!;&!%!0$%7<"%&;&%$/$%!0$%7!=>$%)<"%?"-7%,)@%ABCDE FGHIEIJKCLMINOIPCQRSTJUOIVEJWOEXIBEQBYNOIEIJVZFGNE [JRMJV\EWC]IC^FI_F̀JaJVFbOScd^CFJKCeOEIJKCLIfSEJgZCCIB U]FGhEXIBEIJ_Gij]CIkF\CkFGgC\QBlImnEQ[oECeOSTJUOIV EJWOEXIBEQBYNOIEIJVZ\Fp[qQY^ECqIJVU]CCLEY^EU]FGh UOIVMICIIBEF̀JCCEXIBEFImrES`Jc bENBJZIsSt[s\MuFA\YOIS^CCCFBJAJVFIOSMI]NQBCCZI^A^C\ jTC^CCeOA[mvCCIJOABSwCImrEExS1yzFGOE\{1j]EjJ_QB1|IHI Q}\[xFIhSJIIPOIm~O ImrE1r~tAFIuFQRdQBSTJUOIVMJIYNOI ImrE{dDIHIEIJKCLSTJUOIVEJWOEXIBEQBYNOIEIJVZc ImrE|ImrEZIZEIJKCL ImrEyuFU]EIJKCL ImrEwuFAQB[RlkF oJIZMJIFuUTCFu[JAJRQnJCCCOS MuFUTCFuQRStCOFIh FGmEFBJCIICINZIZCCEXIBEmnCENBJ[mvCIN`F[oEQB[TJljHI [EImIWEEXIBEFImrES`JFGNEmnCcJRB[F̀NGOIWE~LC ZGkFAn[TJQnJIVFITEEXIBEFGNEmnCcanJAvJFIuIrIQRMJI EIJVS\USD\CDEEIVIJV[`JQBS`EAmnJGoEMIZFGKFNBCs\CIC CICCEXIBEmnCENBJ~}ABSlqJSYsIWE[C[J_SQT[mvCCNJ ABFIuS`ICeOCCEXIBEFGNEmnCIm~OSIJ_FXSA\UOIVMICI IBEFGRFITEcIJK\FINUO[J_SFCICC\lImnEStCO[mvC lSAB[oEACjoCCCEXIBEaJVFbOSZI]JAJKF^CINBFIJV\XECON EACU]FGhIfSC]JFIJVMI] EC`IFGOIFGKFIhFGmEc 1 234546789 4 467484779464746746746 97 !"7#467$%$&!84 746'(7)4*% 7 46 98446+,-9.$/!'04123213142546798 98446+70% '047819:46 4694$46465446;8%<=9.$ 98446+ .> ?46@4A%BC7?465446,2D!47E46F946%$&!846+7 7G46+34465446 98446+/4H46'$7&!84467#848!, !4I4'J 7465446 98446+K478L7.L"%'67046 4*7!46,946)$74'*4D! ;8%'M'84634 8NO 4%B6++H!!4P%+34 !"4H46%$&!84 7 467*6C, NO /0Q7#87?% RS!4C%$&!84 746TN!.9%- O-/894.+8486-%-4U,V!A4R'W!4H464 %2<<4X%946%!$4 7#8777!I468 Y5 L46NO /4P%98%B+Z46++7*3+ 477'$646D%4 46)044 746.8!'* !"/5! 77 746479 98446+,4547#8NO/%B$467Z.[ H/! :466+D 7464D!%9!/-&!4/\4&!4/\J464 746 &!"4)446%8 -46Z467,,,,%?7I!$!*84H46%$&!84 7*/6 746946 7Q6%'677+@9'B46, ?7I!&!4C%46''67.L#7!46 47#8 7 46,4]4E7^46DW%&!84467#87Y5 L46%$&!84 7*/698F8%M479 746,J46&!8NO7*34Q%)Q 6CR 746'398/64!]4_.4` 746, a;8%%B4 %[/'5NO)Q'W!'67E46 ?46B46M 77,!4I4L7034 8NO%B.$46544679AW!0 7746544678&!845%'46%E7'047Y5 L46%B$46NO94 7b49(76(+ * 4946&!"4L74,;@?7'46L746%$ &!846H8465446 98446+78'W'#"0!J464 X4 46 +54@7,$&!84+W4/4'67'46+04 4-9 984.$946 /c46!464'B/c467#8 746"6W44 J46'46'67,;7 0/]+77%?7I!D%$&!84+W4/4%846@4%Zd J46^46,N7 I!7W!D H/! 746"94940! J46$464A7#0! L8 I4 H/!e747*7#877+c46)84I46f,946 NO7W44D!Z4 1 23456789 465 47554674 5 795676 665 6 !"#$5 6% 62&475 6 6'56( 66 665 ))) *655+56,5 358-469489.542/7956 7,5 "565 #565 6705 154235 774454%756789 647 56 569)5265 46 77+7 8656789 5 429565 6765 :9835855625 4$94295 %7+ 8 67!9625 5 6765 :9);<4+5 6765 :98 3942= + 7+94295664 4275 7956 7,5 "565 #565 67+4769>796.75 5 6765 :9 *2?56955@A&&BCDDEFGHI*(42+J97(;)BCDDK+ CDDD+LMME+LMMKFGN75&#75+;(#BCDDK+CDDOFGP& 6+Q47IR7&2+J2( BLMMDF)))S85 855634 5684 7.42657565#752T 3942= 7 956 7,5 "565 #565 67> 4>46566U5 3>.5BCF9 429564235 4 GBLF5854.5 956B1F7422V5 )525 8+5854.5 956 (.56W 79564%27422V5 42$ 47 6 6%4<5 4235 4 ) ;79565 "565 X#565 6766: 4% 8!9625 #76%5#4'56 634272 (.56W#/ 6Y5 "565 +45 46V7462V5 65 6Z 776%5 425 6%7 7,67>65 15 8467659555678979566 )S789 54%46565 274235 4 36: 4%425 7956) @ 72+<4!9625 5 6765 :96 44295 :5 #Y5 *[; 425 5 "565 )P'#Y+5 6765 :9 \5X]96+J79BLMM^F846$ 42%5 #Y5 *[; 4%7 5 "565 S7J5G5 6765 :9 5684 7.]5 (6&5 ?9+H65 \5#I@7(_2&5#&2BLMC1F87421 *[;425 7 4%2T746 %56 4256 65 "565 G5 6765 :9 N)J75# 2&&5+`);7 6&)BLMMDF86%4<5 9.542/9566 665 4%7 5 "565 6"9a9))))_49.5 6765 :97 6:5 756*[; 5 Y6,9' 6425 7 9.5-+#9429644275795 6 7,5 "565 76 665 )JT7' 6556346465 *[;5 %7 6 5 "565 7=4%2<4T746 %564256>85,5 #$4265($679>7405569 465 9942956 7476"567+56b644275 5 795 676 665 6754%7 c5 5624696=4466 6 665 7) * 5 6765 :9425 52 +46&49679 4 7.4692346%5 6)\U964 5 6765 :9 62 8 6789("9+ 6249256,5 746$ ($7 8-5 6d7 76%4<5 9.542/7956)e6U55 6Z#f5 %7g 3<:5 #Y5 425 <46%76h6 : <95i546% (j+ >7>66k ) 1 23456789 3 78993 339335 3!"#3$5$%&33!'(345!'%)*+,- . 9/3!$701738323 9933$73&396'9 9.3-84956 3!83&3333"78 3$3! 93*+,93-793&#3$9&:9'395".3349/3;< 1=8>$?&83#@000A01&:93BC$&83" 9 . 3993-4856%)3353!"#3$ 5$%&33!'99D!92342'3.9 3 3"7 93E!9 9 3393F5769'3'85G38H3:I ,3938%4J3493 39(EK :93 93 9L87$MC93$36 3!"#3$5$%&33!'013C9 3&934785!36E 9) 993$39&9B&9'399-6 3!5$3#9.3 34<7$NM< 9L-#3$'%).'3'*+,'3F38'3O %798'399-5$63!5333$0 P&85!93-E.34984955$MC93$363!" #3$5$%&33!'99D!925B7$Q3K593C9R .9/85B7$ 3&.95397S76$9$34 3OETM83&$93!3 53!5333$9&3&$.38!393F6# 3$934N9D!920D56789.3L9$769 MUVWXYZ[\]^ _`a^bc[^dae]^Zf^Y[ge^]Yh]^Zi]Y^ji^kle]Z^]YZ[fm^mZn_^jn^_Zl^dao]^pqr^dae]^Zf^ sZt_Z^Zi]Y^pu[^_t_^]Yh]^Zi]Y^pZvw]Y^bu[^x[fp^Xebyz5)9z7${4958 3-3!"#3$5$%&33!';?@ABC;DE;FGHI;D>;BCG>JB;KLM; N4/"O34('457335 53 &'5457&673768%+(845789P1. '8Q'8# 5 53734575R%#'5 (!STU7)'18 V&7 "O34('45'5457& 5'3 73W%&&%)8"4X 61-.6457& Q7!"4/(YZ!45'[7\+%W]8S'5 457& 53%4/4 3[87\"OR5^5 7) 55^_SWU8 `a3"O%4/*58b7cdef 5cdeg8 h:;iGMBC;BCG>JB;KLM;Kjk;lMmB;nB; ; ; ; ; ; ; ; ; ; ; 1 34567589 5 !"##$ $" %&'()*&+*&,-+.& /01 589 5 234'56&'7 898:; !"#<.&= 2 3 >? &%*&'@@& #*&&': !"#.&= 234'5*$&A BCD&?; 2!"# E!*&%,<= 2 3 FG H6&I&CJKL"%"+&8I%&'( )*&+*= M9NO58P9QP589 5 R89 5 1S T U R89 5 6b591c59 VW -C VD#d 6C8B** !"# 8+!" !"#ef# 98:`6&'7` !$)g&E&#&hI!])iYj"'!a ]^*"&'@_8 #*&&':; CD L #*& ): 6 8G = &?;a kl1mnopq59lrs589 5 vX'56&'7; !"#_w&#v23^tu%## *&#vY= *&'@#*&&':;_y8"+`z8"+A B$& 23x 898:&,-&*)*=VY`*&'@Y)?#%X8,{&YZ&h W8(=|Z&%8}E!YZ&%,< 8uZ&:'*-&'@"#&'+*&&'&:*);? = 2 3 ~ D & ? ; "&"*$&&?&'")!" $&&?;XCD=. &';7uCD&Y8W&i"&{ & ' & ' 8 B * & ' @ # * & & ' : 23+Z G`#,-#*#&&E#!X`#,-#*#!"`##+= I != 74118 99q1658mn51bms59U9Q99S581q Q5859S5819NO58q 3 U1Rs p59k958589 5 rsT5Q5 1 2356789 899 88 !"!#$%&'(!)*+!,$-'./*,,0'1'"!$2 34$5'676839':!';<=>'?@ ABCDEFGHCIJGHCHJKCLMCNOPCQRCQSTGC UVW!"*+38X>$%'Y0!8'Z['(!!#,$\]^&3/_ *`*Za!(0X>!b!(!$/cdXb'1'e'1Zf!c0&$g 1-.6h3:!Xe!3>,!39i9,1'-!1l'6239b3c!'Y'680$-'4')c'm!a0n$'ob1$ '1Zf!b.:0(''1?!(!bo'*-'Z['(!<k&d(!32*5!*?$!#'e '1Zf!c0&Xe!3>!,'m3%390>'-!0`6239b'p!(i 32!(!*5!'midqY'."!*Xo'?@ u v5!*?$!(i39!(!$/c!(iw3'1s'1x*/32 .:0(''1?!#$/c'-!39b*5!*?$!#!(!!(i'Z['(!zd{|&dY'"!&'m!(!& '(*-&7!m&k46:!<<&8'"!!(i34$>!'&!`39~ 6:!!#*/'(!b5!3'1s!(i'1b3c!)kY'390s'1(*-'& *((dY')$/c u:dY'/w!(!$/c!(i'ob'9$o6Z2$/c 'Z['(!*!l0390"!'o0wi939Xbc0'-!39b!l'1!!#$'!"!&k'1%-_-39'm!l'1#1b !#.)0q$&Xe!3>!"<]"!*-1#1b!#.)0q$!9!b&$/c !9'1g0"!'o0_g*4*,!,'?X'2.:'|34./6Za!(i '$39b('1%'Z['(!< VW!"*+0('c39_.d(c$d?'Z['(!39b('1% 'Z['(!<=,_d?d?'Z['(!*?%'1b$/ci9tXb c0@d?'Z['(!!g$g&d?'Z['(!!#*-39d?'Z['(!'8'1x< 1 23456789 6 3 9 79 3997 9 69 66349!"3#5!9$% &'( 3)95*+99,69-98.9/56990969 #5!9$ 31!9 299 34!99 3$5/369!"3#5!9$7345.36 699!576993$7!867 9 .5 31!.)9%949 :/369 9 !36;9 !"3#5!9$%<345.36699!5:6993$! 867*=919 9296"636>54"3#5!9$2533%?5"3@9 :/5 6A!"3#5!9$B6544C3 9 .5 31!.)9%D"39 .59 !305B65699!5:/56A"3#5!9$9 E6F 9 7C3:95" 9 .56>56G"3#5!9$F6 9)9H9 I489% J'( 3)958K9 +969L9 !"3#5!9$3!6)986 !!39B63)556:9B63)569L9 649 83934!9M6" 6,9 67 9 34!965:395N9:6+-9:;9 #5!>"9%%%'7!3:9B63)5 69L9 !"3#5!9$6N659 4#56G9"369.0919 ! "3#5!9$M6993$:!86:6789 6:345.36699!5:29.O9 #5>09 :65L9I%%%'%949 P3 3!34C966349!"3#5!9$:+6:!36; !B63)56489!53$C67B63)59>30583$9-9 6364"3#5!9$66349!9 /!489% QRSTUVWXSYZWXSXZ[S\]S^_S̀ÙabS̀cdWe 2L9 f3g9 C30E6h5N9:86#59 3)95;9919 9 0E6663i9649 3$ j>56"69 9"3#5!9$ 31! 9 299 34!99 3$BB44C69 #596+#5!9$89 6C3 9 299 6789 C3k3$6(!:B645 l'm-5674"3#5!9$9299-5673$5#54"3#5!9 $ 31!9 299 34!99 3$%26#59 3)958K9 +9:/369 86#5!"3#5!9$*5/666g9N96929:n9 6o39/9C9!36; #5!96p9 !929649 3$6C4 !6993$!P36q%r4:3$ 636N6C9 7s3"3#5!9$9295>)925 31!9 299 34!9 9 3$F6,9 7o9 !86 31!.)9"3s3"3#5!9$%23"3#5!9$ 929C9F!/:"3#5!9$ 31!9 299 34!99 3$93058 9,9 O9 F735>6G9 !>83919 6!>q3./630L367o9 % 1 2345678975 7 7 75 75 8759 75 !78"#$!78758"%&'8( )* 8+75787) 756789759$!78758"% , -75 75 8. 87575!/0812 !78"3 5!47%87 ! !78" 97557527978756 7 8978 75 ! !78" 87578!78 8,7549 & :3;9759+ 8. 8< ! 9751 /)=78>781?775 ! !78"5!756789759$!78758"%&@,7A49751 ,8B C 8"775 !78"756789759$!78758"%B)%8D8+( !7E759FGH3 9751 ?78)IG239751 ?B*8IG:39751 ?8+ IGJ39751 ? 8 /777I9GK39751 ?L 8+ &4599751 ?78)39751 B*88M75$N7)7 !) ! ! 177# !78"& J3'75O5!478 78! ! P78%87 !78"37567 89759$!78758"%8D L78756 7 8 78! &Q6 7 8978 75 7578$!785!R975( ! !78"37586 7 8978 75 ! !78"8#75#S(89% 6 $99L7=78&T,375678975 7 78U78+ 575279V975 6 7 79/ ,5W%8%%8-89%78X85 Y/S(8978 75 ! !78"0755!47&

- Xem thêm -

Tài liệu liên quan

Tài liệu vừa đăng

Tài liệu xem nhiều nhất