臺灣博碩士論文加值系統

業主權益 (owner equity)是企業資本組成當中最主要的成份，尤其是合資銀行(Joint Stock Bank)。目前越南合資銀行的業主權益相對於所需要的比重明顯偏低，此外這些銀行的募股方式也缺乏效率以及不適切。這篇論文的目的就是探討越南合資銀行募股問題，並且提出一些解決的方案，包括：鼓勵越南合資銀行與其他銀行合併，放寬外人投資越南合資銀行的限制，以及完善一些相關的法律規定等等。

Owner equity is one of the most important parts to constitute capital of an enterprise in general, in a Joint Stock Bank in particular. However, Vietnam Joint Stock Banks’ owner equity has been too low compared with the performance requirement in the system. In addition, equity mobilization in these banks has been proved insufficient and inadequate.
The purpose of this research is to study equity mobilization in Vietnam Joint Stock Banks (VNJSBs). The study analyzes and assesses the current situation of VNJSBs’ owner equity based on secondary data collected from domestic and foreign data. Then, it proposes some resolutions to enhance the mobilization owner equity such as encouraging VNJSBs to merge with others, lifting restriction on foreign investment to attract investors and completing all necessary legal bases for equity mobilization.

Abstract i
中文摘要 ii
Acknowledgements iii
List of Contents iv
List of Tables vi
List of Figures vii
Symbols viii
Chapter 1 Introduction 1
1.1 Motivation and Background …..1
1.2 Purpose of the Thesis ….2
1.3 Organization of Research 2
1.4 Methodology 4
Chapter 2 Literature review of Vietnam Banking 5
2.1 General nature of Commercial Bank 5
2.2 Equity capital in commercial bank 6
2.2.1 Functions of Equity Capital 6
2.2.2 Sources of Equity Capital 6
2.3 Equity capital in Vietnam Banking System 7
Chapter 3 Background and features of Vietnam Joint Stock Bank 12
3.1 Background 12
3.1.1 General principles and regulations regarding JSBs in Vietnam 12
3.1.2 Role of owner equity 15
3.2 Features of equity mobilization in Joint Stock Banks 18
3.2.1 Owner equity sources 18
3.2.2 Measures to enlarge equity sources 21
3.3 Major factors affecting equity mobilization 23
3.3.1 Banks side 23
3.3.2 Investors side 25
3.3.3 Government side 25
3.3.4 Other side 27
Chapter 4 Current situation in mobilizing equity 30
4.1 History and performance of Vietnam Joint Stock Banks 30
4.1.1 Evolution of Vietnam Joint Stock Banks 30
4.1.2 Performance of Vietnam Joint Stock Banks 32
4.1.3 Operation of Vietnam Joint Stock Banks 36
4.2 Recent development 41
4.2.1 Sources of equity 41
4.2.2 Measures regulations 42
4.3 Policy evaluation 46
4.3.1 Policy effects 46
4.3.2 Problems and Difficulties 47
4.3.3 Possible causes 49
Chapter 5 Conclusions and Suggestions 55
5.1 Conclusions 55
5.2 Suggestions 56
5.2.1 Resolutions to strengthen the State Bank management on JSBs 57
5.2.2 Resolution to perfect legal basis for equity mobilization of JSBs 60
Reference 62
Appendix 67
Credit institution system in Vietnam 67
Extendend Abstract 73
Curriculum Vitae 88

Decision 241/1998-QD-NHNN5 of the State Bank of Vietnam dated 15 July 1998 Promulgating Regulations on Merger, Consolidation and Acquisition of Vietnam Joint Stock Credit institution.
Decision No 1122/2011/QD-NHNN dated September 4, 2011, providing Regulations on Shareholders, Shares, Share Certificates and Charter Capital of JSB.
Decision No 1087/2011/QD-NHNN of Aug, 27, 2011 promulgating the Regulation on the organization and operation of the Management Boards, Control Boards and general directors of the State-run and people-founded JSB.
Decree No 49/2000/ND-CP dated 12 Sept, 2000 by the Government on organization and operation of commercial banks at http: www.asemconnectvietnam.gov.vn
Law on Credit Institution of VN dated 12 Dec, 2011 by The National Assembly promulgated.
Law on Enterprises dated 12 June, 2010 by The National Assembly promulgated.
Law on the State Bank of Vietnam dated 12 Dec 2011, by the National Assembly promulgated.

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[27] The world and Vietnam’s Economies, “SBV Annual Report 2011”, Part 2.
[28]The world and Vietnam’s Economies, “SBV Annual Report 2011”, pp.38
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[30] State Bank of Vietnam, “Annual Report 20012”
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[32] Decision No. 228/QD-NH5 dated 02 Sep, 2009 by the State Bank Governor Promulgating the Regulations on rising share capital from shareholders by Vietnam Credit Institutions.
[33] Decree of the Government on the finance regime of the Credit Institutions.
[34] State Bank of Vietnam, “Annual Report Data of State Bank 20012”
[35] Annual Report 2012, State Bank of Vietnam.
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