I. Nhược điểmBên cạnh những ưu điểm

I. Nhược điểm
Bên cạnh những ưu điểm nổi bật ở trên, dịch vụ ngân hàng trực tuyến vẫn còn tồn tại một số những yếu điểm. Để có thể đưa ra các giải pháp nhằm khắc phục những điểm yếu đó của ngân hàng VIETCOMBANK Hưng Yên, nhóm xin đi vào phân tích những nguyên nhân dẫn đến những tồn tại này :
1. Vấn đề về marketing.
Trong thời gian qua, hoạt động marketing cho dịch vụ tiền gửi trực tuyến của VIETCOMBANK chưa thực sự được chú trọng đúng mức. nguyên nhân chính dẫn đến hiện tượng này là vì:
Trước hết, VIETCOMBANK Hưng Yên chưa thực sự quan tâm đúng mức đến tác hoạt động marketing cho dịch vụ tiền gửi trực tuyến mà mới chỉ chú trọng vào lúc ban đầu. VIETCOMBANK Hưng Yên cũng chưa có công tác đào tạo đội ngũ cán bộ nghiệp vụ chuyên sâu về Marketing cũng như chưa áp dụng được những phương pháp marketing khoa học như nghiên cứu thị trường cụ thể và áp dụng phương pháp marketing mix. Chính điều này đã làm cho nội dung Marketing của Chi nhánh VIETCOMBANK Hưng Yên vẫn còn nghèo nàn, kém tính hấp dẫn, không có tính chuyên nghiệp, chưa thực sự mang tính hiện đại và hội nhập.
Thêm vào đó, chi phí cho hoạt động marketing chuyên nghiệp là không hề nhỏ. Chi phí của các NHTM cho hoạt động Marketing phải nằm trong giới hạn chi phí tiếp thị do Bộ Tài chính quy định. Thực tế tỷ lệ này là quá thấp so với thông lệ quốc tế. Chính vì vậy, chi phí đầu tư cho hoạt động marketing của VIETCOMBANK vẫn chưa thực sự đầy đủ.
Một thực trạng tồn tại đó là sự chồng chéo, trùng lặp trong hoạt động Marketing giữa Hội sở chính với các chi nhánh của VIETCOMBANK với nhau. Nguyên nhân là do VIETCOMBANK chưa có một chiến lược marketing rõ ràng cụ thể. Sự chồng chéo này đôi khi không những làm giảm đáng kể hiệu quả của các hoạt động Marketing ngân hàng mà còn có sự phản tác dụng không mong muốn.

Kết quả (Anh) 1:

I. consBesides the advantages above, online banking services still exist some of the weak points. To be able to offer a solution to rectify the weaknesses which VIETCOMBANK's Communists, the Group would go on to analyse the causes leading to the existence of this:1. marketing problems.In times past, the marketing activities for the online deposit service of VIETCOMBANK has yet to really be focused properly. the main causes leading to this phenomenon is because: First of all, VIETCOMBANK Hung Yen has not really interested in properly to active partnership marketing for online deposit service that only focus on initially. VIETCOMBANK Hung Yen also does not yet have the training professional staff specialized in Marketing as well as not yet applying the methods of marketing science as specific market research and the marketing mix approach. This makes content Marketing Branch of VIETCOMBANK Hung Yen is still poor, less attractive, not professional, not yet really bring modernity and integration.In addition, the cost of professional marketing activity is no small. The cost of the URBAN COMMERCIAL for Marketing activities must be in limited marketing costs due to the Ministry of finance regulations. The fact this ratio is too low in comparison with international practices. Therefore, the initial investment cost for the marketing activities of VIETCOMBANK has yet really full.A reality that exists is the overlap, the overlap in Marketing activities between Headquarters with branches of VIETCOMBANK. The cause is by VIETCOMBANK don't yet have a clear marketing strategy. The overlap is sometimes not only significantly reduce the effectiveness of the Marketing activities of the Bank but also have the unwanted effect.

Kết quả (Anh) 2:

Cons I.
Besides the outstanding advantages above, online banking services still exist some weaknesses. To be able to offer solutions to overcome the weaknesses of the banking VIETCOMBANK Hung Yen, the group would like to go into the analysis of the causes of these problems:
1. The problem of marketing.
In recent years, marketing for online services of VIETCOMBANK deposit has not really been focused properly. the main cause of this phenomenon is because:
First, Hung Yen VIETCOMBANK not actually cares enough to work marketing for online deposit service that is only focused on initially. Hung Yen VIETCOMBANK also no training professional staff specializes in Marketing and have not applied the scientific method of marketing such as market research and apply specific methods of marketing mix. This has made the contents of Branch Marketing VIETCOMBANK Hung Yen is still poor, less attractive, no professionalism, no truly modern and integration.
In addition, expenses for professional marketing activities are not small. Cost of commercial banks for marketing activities must be within the limit marketing costs stipulated by the Ministry of Finance. The actual rate is too low compared to international practices. Therefore, the investment costs for marketing activities VIETCOMBANK is not really sufficient.
A situation exists that is the overlap, duplication of activities between the Headquarters Marketing with affiliates of VIETCOMBANK together. The reason is that VIETCOMBANK no clear marketing strategy in detail. The overlap is sometimes not only significantly reduce the effectiveness of bank marketing activities, but also has the unwanted counterproductive.

Kết quả (Anh) 3:

Weakness.In addition, the prominent advantages of online banking services there are still some other weaknesses. In order to propose solutions to overcome these weaknesses of banks in Xingan province vietcombank, please go to the analysis of these incentives exist:1. Marketing problems.For a long time, the activity marketing service network of vietcombank deposits did not really attach much importance to this phenomenon:First of all, Xingan province vietcombank didn't really care about is the service level and deposit online marketing activities, specific marketing methods mixed only pay attention to no vietcombank cooperation in Xingan province cadre training team at the beginning of the professional technology nor scientific research and application method about marketing marketing. This makes content vietcombank Xingan Branch Marketing still poor and backward attractive occupation, no computer, no real access to modernity and opportunities.In addition, the cost of professional marketing activities is not small. Cost of NHTM marketing activities in limited market expenses prescribed by the Ministry of finance. In fact, this ratio is too low, than international practice. So, the investment cost of marketing activities vietcombank never really implemented.A true state of existence, which is overlapping, overlaps with opportunities in marketing activities with their affiliates vietcombank. The reason is that vietcombank marketing strategy is not a clear specific. Such overlap sometimes does not significantly reduce effective marketing activities, banks also have unexpected reaction time.