Some solutions to improve the efficiency of the bank's funding ACB: Based on the current status of banks raising capital today,especially the ACB Bank our group propose a number of measures to address these difficulties and contribute to improving the efficiency of raising capital and business performance’s ACB bank following: Building orientation matching funds: Bank must always assess in detail, analyze the situation thoroughly, structural funds, the real situation of Vietnam (economic environment, legal and social environment, psychological, environmental external) for use in construction and the balance between capital and capital needs. Since then, the bank set up long-term strategy to raise capital so that measures appropriate to mobilize capital, to meet capital requirements for the banks themselves in particular, to the economy in general. The navigation and plans for capital mobilization: Fully exploit these funds in any form, in many different channels both long-term task, and nature requires urgent solution to the present. Mounting resources strategy with the strategic use of a synchronized. Always take measures to increase the share capital with term deposits of companies, while increasing the volume of deposits from the population classes to create a surface with a solid working capital. Enhance fund raising with efficient use of capital: In bank action, between capital source and use of capital very often, impact supported each other.Therefore, the bank need to offer appropriate solutions for capital mobilization and effective use of funds: Constantly sticking way socioeconomic development of the city, following the targets and measures for the sector. Grasp market, the current market and market forecast to develop an overall strategy for capital mobilization. Perform safety motto loans - effectively, to comply strictly with the ratio of capital adequacy limits in business are set forth in State Bank Law and the Law on Credit Institutions, including: Percentage of safety of ability to pay. Capital adequacy ratio minimum. The maximum rate loans on deposits. The maximum lending rate on equity capital. Banks must actively look for investment projects efficiently. Before lending banks need to assess carefully the customer. Banks must regularly monitor debt, plans to urge repayment for companies in the spirit of co-operation and mutual assistance. Diversify forms raising capital: Diversifying the forms of deposits: The object of idle money, especially individuals often send money with the purpose of profit or accumulated.So, the bank must diversify the forms of deposits in order to meet the increasingly diverse needs of people : Form of retirement savings: For those who want to spend income for future part later in life by a monthly deposit to this account. Form of housing savings: created to depositors in the bank is entitled to borrow large amounts with a reasonable interest rate to invest in their own living. Saving mode in conjunction with welfare insurance / life: This form is given to depositors enjoy certain insurance policies outside interests on interest rates, common deposit insurance. Besides,Banks also need to diversify capital mobilization tool as extending the release notes is intended to form more diverse as previous interest payment, interest payment, pay interest periodically. Flexible interest rates depending competitive environment and supply and demand in the market; issuing bonds to raise medium and long term capital. Both created the medium-long term funds,and providing capital goods to market. Diversification term deposit: Depending on the period and the change in the regulations of the central bank that the bank will build flexible terms of deposits with attractive interest rates, respectively, ranging from 01 weeks to 13 months, even two years, 3 years. The application form of savings deposits with various terms to increase medium- and long-term capital, facilitating the diversification of forms of capital at banks. In addition, there should be an automated solution transformed into term deposits with a term for people (ex: those who deposit savings term from 2 months may transfer their entitlement to time deposits with terms) Diversifying the forms of interest: With the purpose of depositing various clients (for safety purposes or profit) that banks will have to consider and implement different forms of interest payment: The form of deposit once-interest payment many times (the original capital remain in place until the new maturity date is withdrawn, and interest, customers can withdraw flexible options that interest payment each month or 03 months or January 6 times) Forms sent a long time but allow partial withdrawal before maturity origin. Diversification personal deposit account: This form help banks attract idle capital in the population with low interest rates.Therefore, to increase the amount of this account up, means increasing sales through account payments, contributing to the process of non-cash payments in the society, the bank should take measures impact as: Combining open accounts with providing payment services, paid by the customer.(shopping,online,….) Banks can also link with universities, businesses, treasury, tax authorities, electricity, postal and insurance .... to open account service salaries, tuition fees , collection, payment and card issuance. Developing and expanding forms of raising capital through the corporate account: Professional development focused account management: The Bank will monitor two or more parallel accounts of customers ie the payment deposit accounts of customers with high balances, the Bank will move down to talent term deposits to help customers not affected and otherwise when customers demand higher pay, the bank will automatically convert into term deposits with deposit paid to meet the needs of customers. Sending cadres down to business, introduction to business account types and their utilities. Sticking to the production of business, the flow of materials and goods and term debt of enterprises to actively provide timely support to customers in the payment process. Issuing bonds, bonds with purpose to form multi danghon as previous interest payment, interest payment, pay interest periodically. More diverse futures, interest rate applied on the basis of a more flexible operation of the bank with interest. Development of diversified services: The bank's activities are closely linked with each other. Therefore in order to strengthen banks' capital mobilization should also develop related services: Open a free account; Exemptions card issuance fee for accessing the object's owner dongtiep congnhan staff and students ... to develop services such as billing, collection and services in domestic and international card in order to meet demand deposit and withdraw money from customers. Consulting services: banking customers while not everyone has a clear understanding of the products and services that banks can offer, the trader may help and guide customers to choose the its most appropriate form to depositors or invesment. Service preservation means the confirming bank shall hold the assets on behalf of customers according to customer requirements and ensure safe keeping secrets. The professional development of financial management, to make payments for large companies to develop balances on deposit accounts of corporate payment. Fast money transfer services: Banks should pay more attention to this type of service because it has helped to increase the income bank, has increased the prestige of the bank. Payroll Services via bank account transactions online, card issuing, collecting insurance services / electricity bill / tax revenue / charge fees. Improving the quality of service, simplified procedures: If the customer directly go to the counter, then an ordinary depositors would take 15-30 minutes for a transaction. For loan application procedures drag on for several days. Also, the online transaction or occurrence of a network error, the legality of vouchers is not guaranteed. Therefore, banks need to study measures to reduce the time. Reform work processes and procedures in raising funds through the account type. Avoid using multiple document. Extending to decide for branch / transaction to transaction processing time is fast. Have special care policy for VIP customers such as giving flowers / gifts on special occasions, tracked maturity passbook / tracking account balances to remind customers and convince customers forwarded. Courteous staff attitude, enthusiastic, friendly, especially the staff dealing with customers activists regularly exposed original factor most important. Improved time work to facilitate senders, withdrawals: can rotate staffing overtime or on holidays. Apply flexible interest rate policy: The interest rate is one of the strong factors to impact the attraction of deposits, bills and bonds. Since then,the bank should focus on changes in interest rates in each period to conform with market interest rates to attract deposits from all sectors of the economy.However, these are limited measures, by raising interest rates mean rising input costs, directly affects business results. Therefore, given that the interest rate depending on the level of capital required, depending on each moment, each sector, in accordance with the frame rate specified by the central bank and beneficial to the sender, the borrower and the bank. Develop a network of branches and transaction offices: The ACB bank have extended trading networks from urban to rural areas to fully exploit all capital trongmoi strata in all regions of the country, to meet the needs of depositors. Develop and implement policies for customers: The bank must have custumer proper policies. It is attracting many customers, maintain our traditional customers, ensuring benefits for both banks and customers. The longtime customer, has some big plans, the bank deposits will have priority policies on interest rates, term loans, as well as bonus …Customer Reviews m, ới must be consulted carefully,convinced to try the product. The bank should have specialist marketing department to collect information, to grasp customer needs, market sorting, classifying customers. And orientations, policies to mobilize more fit, more diverse. Innovation, improvement and modernization of banking technology: Banking technology not only includes the simple machines debit cards, automated teller machine but also a mechanism for accessing data, payment within the bank or the use of information technology to manage the surface business management including accounting and billing. We don’t have a data base that allows to know all the related transactions, including customer deposits at all banks. This is limited to hinder the process of exploitation, seek information and access to customers Therefore, banks need to study technological innovation, choice and technology solutions suitable for the conditions and the ability of banks. Maximizing human factors, regular training, improve staff quality, improve the quality of human resource management: People are the most valuable assets of the bank because the bank staff who are in direct contact with customers. The comments, first press the bank tuongdau will expressed through style, service attitude of staff to clients.Therefore, banks need to focus on implementation of measures to maximize the human factor: Need to learn knack of each employee assigned to work for the rational, to achieve the highest efficiency at work. There emulation policy, clear payoffs to encourage people to try. Advanced training to supplement the knowledge of the market, the economic scientific and social research methods, financial analysis of projects and activities of a number of relevant economic sectors, thereby improving horizons to be able to advise clients. Strengthen advertising and marketing, implementing effective marketing strategies: In the mobilization of funds, the ad should focus some issues such as interest rate, forms of mobilization, when the interests of bank depositors, the value offered, the chance to win. ... Content Advertising, marketing should be clear, even to specify the concrete results of banking products and services in advertising messages, avoiding unnecessary detail. The advertisement should proceed relatively frequent in some mass media like television, newspapers, internet ... especially when there are new forms of mobilization. Along with other forms of advertising is promotional, help promote more promotional activities to attract capital into the bank. The diverse forms of promotion will create customer delight as answer questions Gambling, lottery forms, valuable gifts, preferential interest rates ... for regular customer transactions.