INFOGRAPHIC: Consumer Finance in Vietnam - First-Half 2020 Review
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For the first time in a decade, Vietnam consumer finance market experienced a single-digit growth rate (9.2% YoY in the first half of 2020), following aggressive credit growth over the past few year. This is attributed to the dual challenge posed by COVID-19 pandemic and tightening regulations on cash loans disbursement prescribed at Circular 18/2019. However, despite the modest growth rate, Vietnam consumer finance maintained a contribution of over 20% of the country loan book.
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After a period of strong loan book growth during 2013-2017, Vietnam has witnessed a slowdown - the national loan book grew by 14% in 2018 compared to 18% in 2017. Concerns about aggressive lending practices, and the possible risk in the real estate and non-production sectors have resulted in a tightening of regulations by the State Bank of Vietnam (SBV). Additionally, the focus was on resolving the legacy bad debt with the resulting non-performing loans ratio (NPL) at only 1.89% by YE2018. Considering these events, the SBV also set a modest target of 14% YoY credit growth for 2019.
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Nếu quý khách có nhu cầu download thông tin chi tiết, vui lòng liên hệ với chúng tôi theo thông tin bên dưới để được hỗ trợ thêm:
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Below are the most critical findings in our first issue:
1) The number of bank cards in circulation in Vietnam has recorded a double-digit growth rate in the past 6 years, and reached 90.4 million at YE2015. Total card number is growing exponentially at CAGR of 26.56%, with debit card being the dominant type. State-owned commercial banks (SOCBs) make up 66% of total cards circulating in Vietnam. Among SOCBs, Vietinbank is the most popular card issuer with over 19.3million cards by all types.
2) ATM and POS systems have been growing extensively at two-digit in the past 5 years. The growth rate of ATM and POS system has been 25 – 30% in the past 5 years, reaching 16,855 ATM and over 217,000 Point of Sales (“POS”) by YE2015. However, the distribution and coverage of ATM and POS system are still far below our peer countries.
See more at: https://biinform.com/Reports/185-vietnam-bank-card-report-2016-8350.html
[FiinPro Data] Earnings Update
Based on data from 894/1615 Listed Companies officially announced 2Q2019 business results on 3 Exchanges, (645/766 Companies on HoSE and HNX), we summarized and updated as follows:
Overview: Revenue growth is 6.7% and Total Attribute to parents company’s growth is 10.4% over the same period. However, the rate excluding Banks and Insurance sector are only 4.7% and 4.9% respectively.
By Industry: Sectors with highest Attribute to parents company growth over the same period were: Real Estate (67.13%), Telecommunications (42.11%), Retail (39.52%), Banks (25.9%).
Real estate: After VIC and VHM (accounting for 69% of total real estate capitalization) published their report with the growth rate of Attribute to parents company of 687.5% and 75.3% respectively, The whole real estate industry grew up to 67.1%, on top of the market. If VHM and VIC are not included, the real estate industry has net profit growth of only 24.5% over the same period. In addition, the industry EBITDA also increased by 72.8% over the same period.
Bank: All listed banks published report. Total Attribute to parents company of listed banks announced an increase of 25.9% compared to the same period last year.
Oil and gas: Profit growth was only 8.29% over the same period. The main reason is that PLX (accounting for nearly 72% of the industry's capitalization) slightly decreased by 3.42% of Attribute to parents company compared to the same period.
Insurance: A special case when the largest company in the industry BVH (accounting for over 70% of the industry cap) decreased by 23% compared to the same period, as a result, the industry growth went down from 66.5% to only 12.29%
Retail: Retail sector has impressive growth of 39.52% thanks to major companies like MWG, DGW with high profit growth of 47.44% and 55.1% respectively.
Lawyer in Vietnam Oliver Massmann PUBLIC MERGERS AND ACQUISITIONS IN VIETNAM:...
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Hoang Vinh Insights for US Banks in Vietnam 2014
Vinh Hoang has analyzed key economic driving components for U.S. banks' CEOs and global business operations directors to review and make right decision. He has also suggested why U.S. banks are supposed to invest more in Vietnam to anticipate Vietnam's GDP growth of $1 trillion in 2043.
[FiinPro Data] Kết quả Kinh doanh Q2 - 2019
Theo thống kê từ hệ thống FiinPro, tính đến ngày 05/08/2019, đã có tổng cộng 894 doanh nghiệp công bố BCTC (chiếm 89.8% vốn hóa trên 3 sàn). Chúng tôi tiếp tục tổng hợp và cập nhật nhanh kết quả như sau:
Tổng quan: Tăng trưởng doanh thu ở mức 6.7% và lợi nhuận cổ đông công ty mẹ ở mức 10.4% so với cùng kỳ. Tuy nhiên, tính riêng khu vực doanh nghiệp (không tính ngân hàng và bảo hiểm) thì chỉ ở mức tương ứng 4.7% và 4.9%.
Theo ngành: Các ngành có tăng trưởng Lợi nhuận Cổ đông lớn nhất so với cùng kỳ là: Bất động sản (67.1%), Viễn thông (42.1%), Bán lẻ (39.5%), Ngân hàng (25.9%).
Nếu quý khách có nhu cầu download thông tin chi tiết, vui lòng liên hệ với chúng tôi theo thông tin bên dưới để được hỗ trợ thêm:
Hà Nội:
Đỗ Thị Lan
Email: lan.do@fiingroup.vn
Tel: 024 3562 6962 (số máy lẻ: 103)
TP. HCM:
Lý Thị Hiền
Email: hien.ly@fiingroup.vn
Tel: 028 3933 3585 (số máy lẻ: 203)
Data Digest #8: Vietnam Stock Market in the New Normal: Expensive or Relative...
FiinGroup is pleased to present to you FiinPro Digest Report #8, published on 10 June 2021.
The stock market has been heating up over the past two months with the VNIndex breaking through both technical resistance and psychological mark of 1,100 and most recently at 1,350. Market momentum is driven by strong cash inflows from local retail investors while foreign institutions remain net sellers and share offering plans to raise capital given the booming market.
Concerns have been raised about the "rational" or "irrational" of the current market performance amid recent rallies of stocks of different sectors, including bank and brokerage stocks. As a data and information provider, FiinGroup would like to give a data-driven perspective to provide independent, objective and timely information in order to assist our customers in investment operation and portfolio management.
Download our full report: https://bit.ly/FiinPro-Digest-8-ENG
Data Digest #9: Vietnam Stock Market: Embracing New Normal amidst COVID!
COVID-related impacts on the Value could be somehow predictable. In this Report, we conduct an in-depth analysis on factors determining SUPPLY in correlation with DEMAND, instead of purely analyzing corporate fundamentals like before. Under the current circumstance, factors determining DEMAND or affecting money flow and investor sentiment, in our view, are the most important and need taking into serious consideration.
We are trying to make a plenty of data-driven comparisons on impacts of different COVID waves (the first in Q1-2020 and the fourth now) to support you in having assessments on your own. Accordingly, this Report aims to give in-depth analysis and data-driven findings on which sectors or companies could be beneficiaries from the pandemic, especially once the “Embracing the Covid-19” strategy is confirmed.
Download our full report: https://bit.ly/FiinPro-Digest-9-EN
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FiinResearch - Vietnam Consumer Finance Report 2021
Vietnam’s consumer finance (CF) market (by commercial banks & FinCos) has dipped to low double-digit growth (10.7%YoY, 2020) after a year of hardship. However, despite the headwinds, Vietnam CF managed to secure over 20% of the country loan book.
The unprecedented COVID-19 outbreak accelerated the following key trends in the CF market:
The pandemic prompted the acceleration of the digital transformation of customer journey amongst FinCos
The launch of mobile money and the booming of digital payment brought both challenges and opportunities for FinCos, especially their credit card business
M&A emerged as the game-changer to foster future growth given the strong growth potential of the CF market and the Government’s policies that support sector consolidation and expansion of FinCos to repel black credit market.
Download FULL report: https://bit.ly/vietnam-consumer-finance-report-2021
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Vietnam Consumer Finance Report 2022: Time to change the game
It is turning out to be another eventful year in Vietnam consumer finance (CF) market. After some glimmers of recovery by early 2021, the sector underwent around 6 months of disruption due to the COVID-19’s fourth wave by Mid-April. However, the growth momentum rallied throughout the last quarter as pandemic pressures eased. This challenging time is also a good game changer that saw the rise of late comers threatening the market share of the elders. While concern about FinCos’ asset quality is still there, 2022 is expected to be a good year for the CF market, characterized by post-pandemic robust growth, diversification of product portfolio and distribution channels associated with digitalization, M&A activities led by foreign investors, and heightened competition forces from alternative lenders such as pawnshops, fintech players.
Find more in-depth analysis of market share and financial performance among key players, the development of each product segment, prominent trends in our full report: https://bit.ly/vietnam-consumer-finance-2022
Vietnam Cement Market Report 2022: Ready for a modest recovery ahead
FiinResearch is pleased to introduce Vietnam Cement Market Report 2022, the first and most comprehensive issue on the Vietnam cement industry.
This 2022 issue provides the latest information on the current supply-demand situation in Vietnam cement industry, covering industry data & operational information up to the first five months of 2022. This report also provides the in-depth analysis of key growth drivers, market outlook for 2022 and supply-demand forecast until 2030. Especially, the analysis of retail bagged cement prices for PCB30 and PCB40 by region, key brands and production cost are also included in this report.
Details: https://bit.ly/vietnam-cement-market-report-2022
Vietnam Banking Report 2022: Leading the post-pandemic growth
FiinResearch is pleased to present our Vietnam Banking Report 2022. In this report, we updated the performance of Vietnam banking sector with an emphasis on the credit growth, liquidity, asset quality, earnings quality and operational efficiency of the sector and individual banks in the post pandemic context. In-depth analysis of key development trends and regulatory framework in the sector are also covered in the report.
FULL REPORT: https://bit.ly/vietnam-banking-report-2022
Data Digest #8: Chứng khoán Việt Nam hiện đắt hay rẻ trong điều kiện bình thư...
Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Digest #8 của FiinGroup được phát hành hôm nay, ngày 10/6//2021.
Thị trường chứng khoán thực sự sôi động trong hai tháng gần đây. VN-Index lần lượt vượt các ngưỡng cả về kỹ thuật và tâm lý ở mức 1.100 và gần đây nhất là 1.350 sau khi chứng kiến sự gia tăng mạnh mẽ của dòng tiền mới nhất từ nhà đầu tư cá nhân trong nước trong khi khối ngoại vẫn bán ròng mạnh mẽ và lãnh đạo doanh nghiệp đẩy mạnh bán ròng cổ phiếu của họ cũng như thông qua dự kiến phát hành cổ phiếu nhằm huy động vốn trong bối cảnh sôi động của TTCK.
Nhiều ý kiến gửi đến chúng tôi đặt câu hỏi về sự “hợp lý” hay “phi lý” của diễn biến hiện nay khi cổ phiếu nhiều ngành đã tăng trưởng rất mạnh trong thời gian qua và gần đây nhất là ngân hàng và chứng khoán. Chúng tôi, với vai trò là đơn vị chuyên về cung cấp dữ liệu và thông tin, mong muốn đưa ra một góc nhìn dựa trên dữ liệu nhằm cung cấp thông tin độc lập, khách quan và kịp thời với mong muốn có thể hỗ trợ khách hàng trong hoạt động quản lý đầu tư và quản trị danh mục của mình.
Báo cáo đầy đủ: https://bit.ly/FiinPro-Digest-8
Data Digest #11: Triển vọng Tăng trưởng Lợi nhuận và Cơ hội Đầu tư 2022
Tiếp nối các báo cáo trước, Báo cáo Data Digest #11 cung cấp góc nhìn độc lập và mang tính dự báo về triển vọng lợi nhuận doanh nghiệp năm 2022 và đánh giá sự vận động của dòng tiền trên TTCK nhằm hỗ trợ Quý khách hàng trong việc tìm kiếm và chọn lọc cơ hội đầu tư.
Báo cáo Data Digest #11 sẽ được chia thành bốn phần với lịch phát hành như sau:
- Phần 1 – Bức tranh lợi nhuận Q4-2021 – Phát hành ngày 28/3/2022
- Phần 2 – Bối cảnh thị trường – Phát hành ngày 28/3/2022
- Phần 3 – Triển vọng Lợi nhuận 2022 – Phát hành ngày 28/3/2022
- Phần 4 – Ý tưởng đầu tư 2022 – Dự kiến phát hành ngày trong tuần này
Quý khách hàng vui lòng download chi tiết Phần 1-2-3 của báo cáo này tại đây: https://bit.ly/FiinGroup-FiinPro-Data-Digest-11
FiinGroup Invest Summit: Investment Outlook 2022
Content:
- Vietnam Stock Market Outlook 2022
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- Which real estate segment still has potential?
Full document: https://fiingroup.vn/upload/docs/fiingroup-invest-summit-2022-investment-outlook.pdf
[Sample report] - Vietnam Plastic Packaging Market 2021
FiinGroup is pleased to introduce Vietnam Plastic Packaging Market Report 2021, the first and most comprehensive issue on Vietnam plastic packaging industry including flexible packaging and rigid packaging. This report presents a board range of topics, both sector-specific and crosscutting market issues.
This 2021 issue provides the latest updates on Vietnam plastic packaging market including market structure, value chain, market size, competitive landscape and key development trends with the focus on two main segments namely flexible packaging and rigid plastic packaging. In addition, in-depth analysis on plastic packaging outlook from food & non-food sectors is also included in this report.
Full Report: https://fiinresearch.vn/Store/ReportDetails?id=145978
[Sample Report] - Vietnam Cement Market 2021
FiinGroup is pleased to introduce Vietnam Cement Market Report 2021, the first and most comprehensive issue on Vietnam cement industry. This report presents a board range of topics, both sector-specific and crosscutting market issues.
What’s New? Vietnam cement industry expanded by 0.9% in 2020, mainly driven by buoyant clinker and cement export activities while domestic sales recorded deceleration due to negative impact of COVID-19. Given weakened domestic demand & the rise in fuel cost, list cement manufacturers recorded a deteriorated average EBITDA margin from 17.0% in 2019 to only 15.8% in 2020.
This 2021 issue provides the latest information on current supply – demand situation in Vietnam cement sector with the in-depth analysis on key growth drivers, outlook for 2021 as well as forecast analysis until 2030. Especially, the analysis on retail bagged cement price for PCB30 and PCB40 by region and key brands is also included in this report.
FULL Report: https://fiinresearch.vn/Store/ReportDetails?id=145237
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Báo cáo nhằm cung cấp bức tranh toàn cảnh lợi nhuận năm 2020, phân tích triển vọng 2021 và đưa ra các ý tưởng đầu tư cụ thể dựa trên năng lực phân tích dữ liệu tài chính - chứng khoán của chúng tôi.
Báo cáo này nằm trong chuỗi báo cáo phân tích dữ liệu nhằm phục vụ các khách hàng thuê bao các hệ thống dữ liệu của FiinGroup. Cũng như các báo cáo trước, FiinPro Digest #7 tập trung vào phân tích dữ liệu tài chính để đưa ra các nhận định và
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Báo cáo này được soạn lập bởi nhóm Phân tích Dữ liệu thuộc khối dịch vụ Thông tin Tài chính của FiinGroup. Chúng tôi cam kết đảm bảo tính độc lập và khách quan trong việc đưa ra các ý kiến, nhận định cũng như phân tích về ngành và cả các cổ phiếu cụ thể.
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Năm 2020 đang dần khép lại và trong lúc chờ các công bố kết quả kinh doanh Q4-2020 sẽ sớm diễn ra, chúng tôi muốn đưa ra các phân tích nhằm chỉ ra hiện tốc độ và mức độ hồi phục sau Covid-19 ra sao dựa trên số liệu thực tế cho giai đoạn 9T2020.
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Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Digest #5 của FiinGroup cập nhật và phân tích về chất lượng và triển vọng lợi nhuận khối doanh nghiệp niêm yết nửa đầu năm 2020 và triển vọng cả năm 2020 này.
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Đây là giai đoạn quan trọng của TTCKVN trước bối cảnh môi trường kinh doanh có nhiều thay đổi tác động đến hoạt động kinh doanh của doanh nghiệp cũng như hành vi của nhà đầu tư. Năm 2020 cũng là năm bản lề sau chu kỳ 10 năm kể từ giai đoạn khủng hoảng lần gần nhất bắt đầu từ 2008 và được xem là kết thúc theo đáy hình chữ U (thay vì chữ V) đến tận cuối năm 2013.
Đây là báo cáo nằm trong chuỗi báo cáo “FiinPro Data Digest” mà chúng tôi đang thực hiện trong 2020 nhằm cung cấp góc nhìn độc lập và chuyên sâu về các vấn đề liên quan đến tài chính chứng khoán.
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Covid-19 đã tác động rất mạnh đến tăng trưởng và chất lượng lợi nhuận của các công ty đại chúng Việt Nam. FiinGroup ước tính lợi nhuận khối doanh nghiệp phi tài chính và nhóm Ngân hàng đang niêm yết sẽ suy giảm ở khoảng 12% trong năm 2020 sau khi đã giảm rất mạnh trong quý 1 vừa qua và dự kiến cả quý 2 này. Phân tích chuyên sâu dựa trên các bằng chứng dữ liệu và chỉ có ở FiinPro Data Digest #3. Quý vị vui lòng tải miễn phí báo cáo đầy đủ tại đây:
VIE version: https://bit.ly/3ezcM31
EN version: https://bit.ly/3gRUbkW
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Báo cáo này nằm trong chuỗi báo cáo phân tích dữ liệu nhằm phục vụ các khách hàng thuê bao các hệ thống dữ liệu của FiinGroup.
Cũng như các báo cáo trước, FiinPro Data Digest tập trung vào
phân tích dữ liệu tài chính để đưa ra các nhận định và phát hiện với bằng chứng dữ liệu cụ thể nhằm cung cấp góc nhìn độc lập và chuyên sâu về các vấn đề liên quan đến tài chính và chứng khoán.
Trong khi FiinPro Data Digest #2 tập trung vào phân tích chất lượng lợi nhuận và chất lượng tăng trưởng của doanh nghiệp thì FiinPro Data Digest #3 này tập trung vào sức khỏe tài chính và triển vọng của doanh nghiệp sau tác động của Covid-19.
Chúng tôi hi vọng rằng báo cáo không chỉ hỗ trợ giới phân tích
chứng khoán cho các định chế đầu tư, nhà đầu tư cá nhân mà còn giúp ích cho các ngân hàng và cơ quan quản lý trong việc đưa ra các biện pháp hoặc chính sách hỗ trợ giảm thiểu những tác động của dịch bệnh đến các ngành và lĩnh vực khác nhau.
Download:
VIE version: https://bit.ly/3ezcM31
EN version: https://bit.ly/3gRUbkW
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【我们承诺采用的是学校原版纸张（纸质、底色、纹路），我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信41543339】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信41543339】即可
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
→ 【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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#一整套伊利诺伊理工大学文凭证件办理#—包含伊利诺伊理工大学伊利诺伊理工大学毕业证假文凭学历认证|使馆认证|归国人员证明|教育部认证|留信网认证永远存档教育部学历学位认证查询办理国外文凭国外学历学位认证#我们提供全套办理服务。
一整套留学文凭证件服务：
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二：真实使馆认证（留学人员回国证明）使馆存档
三：真实教育部认证教育部存档教育部留服网站永久可查
四：留信认证留学生信息网站永久可查
国外毕业证学位证成绩单办理方法：
1客户提供办理伊利诺伊理工大学伊利诺伊理工大学毕业证假文凭信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。
教育部文凭学历认证认证的用途：
如果您计划在国内发展那么办理国内教育部认证是必不可少的。事业性用人单位如银行国企公务员在您应聘时都会需要您提供这个认证。其他私营 #外企企业无需提供！办理教育部认证所需资料众多且烦琐所有材料您都必须提供原件我们凭借丰富的经验帮您快速整合材料让您少走弯路。
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【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【Q微信741003700】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信741003700】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Algorithmic optimizations for Dynamic Levelwise PageRank (from STICD) : SHORT...
Techniques to optimize the pagerank algorithm usually fall in two categories. One is to try reducing the work per iteration, and the other is to try reducing the number of iterations. These goals are often at odds with one another. Skipping computation on vertices which have already converged has the potential to save iteration time. Skipping in-identical vertices, with the same in-links, helps reduce duplicate computations and thus could help reduce iteration time. Road networks often have chains which can be short-circuited before pagerank computation to improve performance. Final ranks of chain nodes can be easily calculated. This could reduce both the iteration time, and the number of iterations. If a graph has no dangling nodes, pagerank of each strongly connected component can be computed in topological order. This could help reduce the iteration time, no. of iterations, and also enable multi-iteration concurrency in pagerank computation. The combination of all of the above methods is the STICD algorithm. [sticd] For dynamic graphs, unchanged components whose ranks are unaffected can be skipped altogether.
Empowering Data Analytics Ecosystem.pptx
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Empowering the Data Analytics Ecosystem: A Laser Focus on Value
The data analytics ecosystem thrives when every component functions at its peak, unlocking the true potential of data. Here's a laser focus on key areas for an empowered ecosystem:
1. Democratize Access, Not Data:
Granular Access Controls: Provide users with self-service tools tailored to their specific needs, preventing data overload and misuse.
Data Catalogs: Implement robust data catalogs for easy discovery and understanding of available data sources.
2. Foster Collaboration with Clear Roles:
Data Mesh Architecture: Break down data silos by creating a distributed data ownership model with clear ownership and responsibilities.
Collaborative Workspaces: Utilize interactive platforms where data scientists, analysts, and domain experts can work seamlessly together.
3. Leverage Advanced Analytics Strategically:
AI-powered Automation: Automate repetitive tasks like data cleaning and feature engineering, freeing up data talent for higher-level analysis.
Right-Tool Selection: Strategically choose the most effective advanced analytics techniques (e.g., AI, ML) based on specific business problems.
4. Prioritize Data Quality with Automation:
Automated Data Validation: Implement automated data quality checks to identify and rectify errors at the source, minimizing downstream issues.
Data Lineage Tracking: Track the flow of data throughout the ecosystem, ensuring transparency and facilitating root cause analysis for errors.
5. Cultivate a Data-Driven Mindset:
Metrics-Driven Performance Management: Align KPIs and performance metrics with data-driven insights to ensure actionable decision making.
Data Storytelling Workshops: Equip stakeholders with the skills to translate complex data findings into compelling narratives that drive action.
Benefits of a Precise Ecosystem:
Sharpened Focus: Precise access and clear roles ensure everyone works with the most relevant data, maximizing efficiency.
Actionable Insights: Strategic analytics and automated quality checks lead to more reliable and actionable data insights.
Continuous Improvement: Data-driven performance management fosters a culture of learning and continuous improvement.
Sustainable Growth: Empowered by data, organizations can make informed decisions to drive sustainable growth and innovation.
By focusing on these precise actions, organizations can create an empowered data analytics ecosystem that delivers real value by driving data-driven decisions and maximizing the return on their data investment.
Data Centers - Striving Within A Narrow Range - Research Report - MCG - May 2...
M Capital Group (“MCG”) expects to see demand and the changing evolution of supply, facilitated through institutional investment rotation out of offices and into work from home (“WFH”), while the ever-expanding need for data storage as global internet usage expands, with experts predicting 5.3 billion users by 2023. These market factors will be underpinned by technological changes, such as progressing cloud services and edge sites, allowing the industry to see strong expected annual growth of 13% over the next 4 years.
Whilst competitive headwinds remain, represented through the recent second bankruptcy filing of Sungard, which blames “COVID-19 and other macroeconomic trends including delayed customer spending decisions, insourcing and reductions in IT spending, energy inflation and reduction in demand for certain services”, the industry has seen key adjustments, where MCG believes that engineering cost management and technological innovation will be paramount to success.
MCG reports that the more favorable market conditions expected over the next few years, helped by the winding down of pandemic restrictions and a hybrid working environment will be driving market momentum forward. The continuous injection of capital by alternative investment firms, as well as the growing infrastructural investment from cloud service providers and social media companies, whose revenues are expected to grow over 3.6x larger by value in 2026, will likely help propel center provision and innovation. These factors paint a promising picture for the industry players that offset rising input costs and adapt to new technologies.
According to M Capital Group: “Specifically, the long-term cost-saving opportunities available from the rise of remote managing will likely aid value growth for the industry. Through margin optimization and further availability of capital for reinvestment, strong players will maintain their competitive foothold, while weaker players exit the market to balance supply and demand.”
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本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线已转到了尽头他的城市生活也将划上一个不很圆满的句号了值得庆幸的是山娃早记下了他们的学校和联系方式说也奇怪在山娃离城的头一天父亲居然请假陪山娃耍了一天那一天父亲陪着山娃辗转长隆水上乐园疯了一整天水上漂流高空冲浪看大马戏大凡里面有的父亲都带着他去疯一把山娃算了算这一次足足花了老爸元够他挣上半个月的山娃很不解一向节俭的父亲啥时变得如此阔绰大方大把大把掏钱时居然连眉头也不皱一下车票早买好了直达卧铺车得经子
一比一原版(Deakin毕业证书)迪肯大学毕业证如何办理
原版定制【微信:41543339】【(Deakin毕业证书)迪肯大学毕业证】【微信:41543339】成绩单、外壳、offer、留信学历认证（永久存档真实可查）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路），我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信41543339】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信41543339】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
→ 【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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INFOGRAPHIC: Consumer Finance in Vietnam - First-Half 2020 Review
- 1. 2015 25.7% 2016 2017 2018 2019 1H2020 2015 2016 2017 2018 2019 1H2020 5.2% 2015 2016 2017 2018 2019 1H2020 17.8% 3.5% Vietnam Consumer Finance Report 1H2020 MARKET SIZE AND GROWTH FINANCIAL BENCHMARKING MARKET SEGMENTATION Consumer lending growth dropped to single-digit growth for the first time in a decade as a result of COVID-19 PRODUCT-MIX ANALYSIS Revolving Credit Cards continued to outperform traditional loan products COMPETITIVE LANDSCAPE Under the ongoing uncertainty caused by COVID, FinCos have switched to focus on the preservation of market share and profitability rather than rapid expansion, making growth no longer the key theme of the CF market. EARNING QUALITY & ASSET QUALITY KEY GROWTH DRIVERS Net interest income deteriorated, while NPLs rose up! FinCos’ average NIM, 2015 – 1H2020 FinCos’ average ROAA and ROAE, 2015 – 1H2020 ROAE ROAA FinCos’ average NPL, 2015 – 1H2020 FinCos to grasp latest development trends to adapt the ever-changing macro-economic environment PROFITABILITY FinCos’ net profit margin plummeted along with acceleration of provision charge and falling operating income Total outstanding loans of consumer finance players, 2015 – 1H2020 Loan proportion by product of active FinCos, 2019 vs. 1H2020 Market share of Top 10 FinCos & Others, 2019 vs. 1H2020 Personal Loans/Cash Loans & Others 1.6% -7.8% -1.4% 4.2% Vehicles Loans (two and four-wheelers) Consumer Durables Credit Cards FE Credit HD Saigon Shinhan Finance Mirae Asset Home Credit Mcredit Toyota Financial Service JACCS Others 2019 1H2020 2015 2016 2017 2018 2019 1H2019 1H2020 +2.6% YTD (1H2020) 1,725,678 +11.7% YTD (1H2019) 9.2% VNDbn Source: FiinResearch from SBV’s credit statistics, banks and FinCos’ financial statements CF Banks’ CF FinCos’ CF 9.2% 2.6% 8.9% 2.9% 13.6% -0.1% 1H2020 1H2020 YoY growth YTD growth Growth rate of CF market Source: FiinResearch. Data covering consumer finance of retail banks and active licensed FinCos Source: FiinResearch Source: FiinResearch Source: FiinResearch. Average NPM, Provision charge/TOI and Credit cost of 14 active FinCos in 1H2020. Note: FinCos offer 4 main products: Consumer Durables (Consumer electronics & Home appliances), Vehicles Loans, Credit Cards, and Personal Loans 2019 1H2020 FinCos to restructure product portfolio to get ready for recovery Emergence of Alternative Lending Digital Transformation in Consumer Finance Consumer Finance Market COVID-19 Pandemic High rate of unemployment Banks and Fincos are more cautious in lending Increasing use of non-cash payment products Regulatory Changes Roadmap for Fincos to reduce the proportion of cash loans to 30% by 2024. E-KYC has been approved for banks and finance companies. Consumer Lifestyle Higher living standards: Beauty and recreational services are popular among young population. Increasing borrowings for everyday needs Favor for non-cash payments