Nâng cao khả năng tiếp cận nguồn vốn tín dụng ngân hàng thương mại của khu vực kinh tế tư nhân trên địa bàn TP hồ chí minh

BO GIAO DUC VA DAO TAO TRUNG DAI HOC KINH TE TP.HCM LAM MY GINH NANG CAO KHA NANG TIEP CAN NGUON VON TIN DUNG NGAN HANG THRONG MAI CUA KHU V C KINH TE TO NHAN TREN DJA BAN TP.HO CHI LUAN VAN THAC SI KINH TE TP Ht Chi Minh - Nam 2009 BO GIAO DUC VA DA TRUNG DAI HOC KIN LAM MY GI NANG CAO KHA NAN NGUON VON TIN DUNG NGAN HANG THRONG MAI C TP.HO CHI M Chuyén nghanh : KINH TE TAI CHIN : 60.31.12 LUAN VAN THAC SI NGUOI HUONG DAN KHOA HOC: T TP Hf Chi Minh - Na MUC LUC Trang phu bra Hi cam doan Danh muc cac ky hieu, chit viet tat Danh muc c:ie big, biéu Léi mo d 6u CHUONG TONG QUAN VE KINH TE TU NHAN VA TIN DUNG NGAN HANG 1.1 Tong quan ve kinh te tu nh 1.1.1 Kh:ii ni in ve kinh té tit nh6n 1.l C:ie hinh thiic ciia kinh té tu nh:In 1.1.3 Var tro cua khu vitc KTTN d8i véii su phiit trién kinh té 1.2 T8ng quan ve tin dung ngdn hang 1.2.1 mai ae» tin dung 1.2.2 B:in chdt ciia tin dung 1.2.3 M6t so net dac thii ciia tin dung doi véii khu virc KTTN .5 1.2.4 Vai tro ciia tin dijng d6i vcii nen kinh te nfii chung va khu vuc KTTN nai ritng .6 1.3 Su edu thiét ph:li n6ng cao kh:i n g tiép c0n nguon vfin tin dung ng6n hang ciia khu vuc KTTN trén d|a ban TP.HCM 1.4 MGt s6 biii hoc kinh nghi8m v8 tin dung ng6n héng d8i vfii khu vuc KTTN 1.4.1 Kinh nghi(m ii c:ic nufic 1.4.2 Kinh nghi(m tai Viet Nam 12 Ket lu:in chuong CHU’€JNG TH¶ C TRAN G KHA NANG TIEP CAN NGUON VON TIN DUNG NGAN HANG THUONG MAI CUA KHU VUC KINH TE TU NHAN TREN DJA BAN TP.MO CHI MINH I Thu’c trang hoat dong ciia khu virc kinh té tu nhan trén dia biin TP.HCM 15 2.1.1 Nhftng dong gop cua khu vuc KTTN trén dia ban TP.HCM 15 2.1.2 Thuc triing tiép c9n cite ngufin vfin cut khu vitc KTTN trén clia bin TP.HCM 23 2.1.2.1 Nhu cau ve vfin d6u In ciia khu vpc KTTN .23 2.1.2.2 Khfi khan vic›c sit dung c:ic ngufin vhn ciia khu vuc KTTN .24 2.2 Thitc tt:yig hoat dpiig tin dung ciia lie thong iigtui hiing throng mat tieri d|a biin TP.HCM 28 2.2.1 Hoat dong huy dong von cua ng hang thuong mai 28 2.2.2 Hoat do) ng tin dung ciia cac ngan hii ng thuong mai doi véii khu virc kinh té tit nhan trén d)a ban TP.HCM 30 2.2.2 I Quy mo va t6c dfi ting tru6ng tin dung 30 2.2.2 1.1 Quy mo va toc dfi t:ing truéng tin dung ciia c:ic ngtin hang thuong mai trén d|a han TP.H8 Chi Minh 30 2.2.2.1.2 Quy dfi tang truéng tin dung doi v6i khii vuc KTTN ciia cac ng8n hang thuong mai tren d|a ban TP.Ho Chi Minh 32 2.2.2.2 Minh hinh net qu:i han 37 2.2.2.2.1 TiIih liiiili net qua nan tai cac ng6n hang thuong mai trén dia b TP.Ho Chi aim .37 2.2.2.2.2 Auth hinh np qua han cua khu vuc KTTN tai cac ng6n hii ng thuong mai trén dia ban TP.Hfi Chi Minh 38 2.3 Nhfrng khfi kh ton tai ciia lie thong NHTM viec cung clip iigu6n vGn tin dung dot v6i khu vuc KTTN 40 2.3.1 Tit phia do’anh nghi(p 40 2.3.2 Tit phia ngtin héng 42 2.3.3 Tir phia cite cc quan qu:in ly Nha nucic 44 2.4 Nhfnig nguyén nhdn ciia nhfmg khfi kh ton tai cua he thong NHTM vi(c cung cap nguon von tin dung doi v ri kliu vuc KTTN 49 2.4.1 Nhfmg nguy6n nh6n tit phia doanh nghi6p 49 2.4.2 Nhfmg nyuyén nh tu phia ng6n hiing .50 2.4.3 Nhfmg nguyén nhdn tu phia c:ic cci quan quan 1y Nha nu‹ic 51 Kit lut)n chuong 52 CHUONG GIAI PHAP NANG CAO KHA NANG TIEP CAN NGUON VON TIN DUNG NGAN HANG THUONG MAI CUA KHU VIIC KINH TE TU NHAN TREN DIA BAN TP.HO CHI MINH 3.1 Xu huéing phiit trién khu vuc KTTN va ng ngtin hang thcii gian 3.1.1 Xu huéing ph:it trim khu vuc KTTN théii gian Hi 3.1.2 Xu hu6ng ph:it trién ng 2020 h ngan hang th‹n gian t‹ va tain nhin 53 3.2 Gim phiip tir phia doanh nghi(p 56 3.2.1 Néng cao mite xép hang tin dung doanh nghi(p 56 3.2.1.1 Quén ly tot dong htm chuyén tién Ie 57 3.2.1.2 N6ng cao chfr tin ‹juan h( tin ‹lung 58 3.2.1.3 Nang cao trinh nghic:p vp 58 3.2.2 Met rong quy m6 hoat dé›ng 61 3.2.3 Xhy dung chuong trinh qu:in tri riii ro tai chinh .62 3.3 Giai ph:ip tit phia ngan hang 63 3.3.1 Xay dijng chinh siich ri8ng ditnh cho khii viic KTTN 63 3.3.2 Xay dimg nhfmg s KTTN pham tin dung phii hpp d cho khu vuc 65 3.3.3 Chinh s:ich uu dai v6 dich vu, diinh cho khu vuc KTTN 66 3.3.4 Xdy dung nhfmg d|ch vu hfi tro 67 3.3.5 Ki8m tra va giiim siit chat che tinh hinh sir dung khoan vay .67 3.3.6 Tiing cuéng xii ly va thu hfii no qu:i han 65 3.3.7 Dhy manh c8ng t:ic huy dong vfin 68 3.3.8 Ung dung c6ng ngh thong tin hién d v’uo hoat dong ng tin hiing 69 3.3.9 N 7U g cao n g luc quén tri, diéu h 3.3.10 N6ng cao trinh d6 nghi(p vu ciia c:in b tin dung .71 3.3 11 Day mph hoat dong tiep thi .72 3.4 C:ic gif ph:ip h8 trp 73 3.4.1 Giai phap ho trp tir phia Chinli phii 73 3.4.1.1 Diinh cho NHTM 73 3.4 1.2 Diinh cho khu vuc KTTN 75 3.4.2 Giéi ph:ip h6 trp In phia Ng:ii hang Nha nucic 77 3.4.2 Diinh cho NHTM .77 3.4.2.2 Danh cho khu vuc KTTN 78 3.4.3 Gi:ii ph:ip h6 trri tir hiép hoi c:ie doanh nghi(p 79 Ket luan chuong .80 TAI L U THAM KHAO LOI CAM DOAN T8i xin cam doan d$y la c8ng trinh nghién erm ciia riéng t8i, c:ie s8 li u kit qu:i néu ludn v la trung thuc LAM MY GINH DANH MUC CAC KY HIEU, CHU VIET TAT KTTN Kinh Ie tu nh8n NHNN Ng6n hiing trung uong Ng6n hiing thuong mai NHTMQD Ng6n héng thuong mai qufic doanh NHTMCP NHNN&LD Ng8n hiing nu‹ic ngoai va lién doanh TO chiic tin dung Tin dung ng6n hang TND Thu nh6p doanh nghi(p N TNHH UBND XHCN Xa h8i chin nghia DANH MUC CAC BANG, BIEU B:in Bring 2.1: 56 liiong doanh nghi p dune 1)p tren clia ban TP.HCM theo khu vtic kinh té Bring 2.2: 56 du :in nam 2008 phdn theo nghiinh nghe B:ing 2.3: Von ddu tu tren dia ban TP.HCM theo khu virc kinh té Bang 2.4: Von dau tu binh qu cho mot du an trén dia ban TP.HCM theo khu vuc kinh té Bring 2.5: GDP trén dia b TP.HCM theo khu virc kinh té Big 2.fi: Gi:i tri s:in xult c6ng nghiép trén dia biin TP.HCM theo khu vuc kinh th Bring 2.7: Thu ngan sach nha nircic trén dia ban TP.HCM Bring 2.8: Du b:to cc c6u v8n dau tu tren dia ban TP.HCM dén nam 21110 Big 2.9: Co cau iiguon v6ii ciia doanh ngliic:p tliu c kliu vuc KTTN B:ing 2.10: C:ie khfi khan tiép can ngu6n vfin tin dung ng hitng B:ing I: Tong huy d iig vfin ciia ciic to cliiic tin dung tren dia biin TP.HCM Big 2.12: 56 du tien giti ph6n theo phln kinh te trén dia b TP.HCM Bring 13: Minh hinh du rip tin dung trén dia ban TP.HCM B:ing 2.14: Du no tin dung ph6n tlieo tlianli plifii kinli té trc:in dia bit TP.HCM qua c:ic nam Big 2.15: Doanh so cho vay ph¼ theo th h phén kinh té trén dia ban TP.HCM qua cac nam Bring 16: Doanh so cho vay ngan, trung va dai han qua cac nam trén d|a biln TP.HCM 69 — Day manh hoat dong tiep thi, tiép can true tiep dén khach hang nhat la nhimg kh‹ch h‹iiig tiem nang X‹iy dimg cliinh s‹ich khii yén mii hip clan liay tliam gia cac chuom trinh tai ti D Mo i‘6ng mang lucii kinh doanh Bang cach mc thém cfc chi nhanh, cac cliem giao dich i-ai deu tien ldiap dia ban de khach hany thuaii tien giao dich bang c/ic h ytii tien n‹ i nh rmy co the yiao dich fi bit ky d)a diem nan cua ngan hang cung he thong De thuc hien duoc, clot hfii ngan hang phai ting dting cong ngh thcing tin du manh, dam biro tat ca cfc cla i nhanh, diam giao d)ch co lhc lien thong va toe ctfi xir 1y thong tin nhanh - Tao sv tien loi cho khach hang, tao su thoai mai sir dung dich vu ngan nang Dna ia nhieu tien icli vé tokan clio klificli trang dé tliu lifit loai ti 8n giii term l loai t i 8n giii i‘5t cdn cho hoat dong ngdn h rig chi phi th r •a thcii gian linh hoat 3.3.8 Uiig dung cong nghe tin hoc hi(n dai vao hoat dong ngan hang 70 Cong nghe tin hoc hien dat sé gifip cho NHTM nang cao diioc chit l itpng phuc vu vfi cong tic quan ly, no la muc ticu can phai dat t‹ii ciia cac NHTM hi n Gi iip ngan hang cfi the dna nlittng g6i san pham vcii chi plif thap danh cho doanh nghiep khu vuc KTTN nhu dich vu ngan hang giao dich qua m ing, d)ch vij quiui ly dong Thu, dong chi, dich vu chi tuong h iii; tu dong xu ly iihfmg khoan tien giri dén han; lién thong dli lieu gifia cac clai nhanh, cac phong giao dich v‹ii nho c16 khach hang co the den giao dich fi bat ky chi nhanh nao cua ngan hang clfi Ivip t pnan mem tot sé giiip cno viec quan iy cua ngan ning dupc hieu qua hon, no sé cju:in ly thong tin chi tiét thco timg khach h.ing, cung cap c:ie bao ciio c:In thiét theo nliu can ma kh‹ing cin phai ton nhan luc thong ke mot c ch thu cong, ngoai c6ng vi c Tii y nhién, mot he thong phan mem tot se ton rat nhieu chi plii dau tu, lo trinh 3.3.9 N:ing can n:Ing luc qu:in tr j, dieu hanh Viec nang cao nang liJc cJ uan tr|, dieu hanh sc gi iip nga' ii li g phat trien on dinh, bcn va phuc vu cang tot hon cho doanh nghiep — He thong cJiian tri phai nam bat dune nhung thay doi bien dong dang ngay, nhtiiig rii i ro ticm an tin dung nh t la boi ciinh kinh tc kho khaii nhu hien ma kh u v iic KTTN clé bi anlt h ii‹mg nhat, tu d6 ma co cac quyét d)nh ting phfi k|ip their 71 — Can tao mot nioi truétig lam viec tot, co che khen thir6n y dé khii yén khicli tinh than lam viec ciia nhan view Phai hiét quan thin dén quyén l oi va phuc loi ciia nhan vien Ph n clan lining Hi mcii ng iicn incit trung thin lcii nliu n thcing qua: viéc thiét l iip cac chi tieu phan d½u cho nioi ngucii tii dau nam, nioi mot nguoi cc› inot loi mhu an cho rieng minh, mii mot bO phan co mot trung thin lDi mhu an Nhii va' y, hieu cjua phuc vii khach h¾g ‘ cao hon - Ngoai ia, can manh inc vice try cJuyen, thuc hien viec phan cong cong viec hop 1y, xiic dinh tr ch nhiem cong viéc ‘ i-ang, c| uiin ly theo tinig 3.3.10 N:i ng cao trinh dii nghiép vii ciia c:in bti tin dung Chit trony nang cao trinh nyhiep vu ciia can bo tin duny la di evi can thiét, giiip cho vi c giai quyet cfc “n dé chuyén chinh xac, gop phan giiim thiéu thcii gian xét duyet ho sc vay ciia doanh nghiép Ngan trang can thurmg xiiyen to chuc ca c buoi t )r hum tai chfi hay thue cac don vi ben nyoai giang day, yiup can bo tin dung nain hat kip thoi nliimg thay déi cac quy d[n1i hien hanh — Trong chuyen mon nghiep vii, np•an hanp• can him y can bo tfn c1iinp• é nhfiiig cliem saii: 72 + Trong ijii a t i-inh tham dinh du an, ben canh xem xét cac yeu to tai cliinli ciia du an xein xét ter pham chat dao diic, nang luc quan 1y, nany luc kinh doanh va trinh cua chu doanh nghiep Do la iiiot nlifiiiy yéu to de xép hang doanh nghiep + Phai nana bat day dii thong tin ve kla ach hang mot cach cla inh xac va kip thoi Nguon thony tin cfi the khai thac ttr cite hiep hoi nhu hiep hoi cfc doanh nghicp vria v‹i nhfi, Phong Thuong mai va Cfing ngla icp Vict Nam, tu cc quan th ué, hai quan, Ban c]uan 1y hay Sc Ke hoach va D u tu + Gram sat, quan ly khoan vay nh fim tranh truéng hpp sir dung khoan vay sai muc dich la nguyén nhitn d8 d din tinh trang no x:Iu nhu hi n n‹iy Thuong xuyen theo slat timg lan giai ngan, cfc cl ong tien thu, clong tien clii dé dive b‹io tliu net dfing han v‹a séim ph:i t hien riii ro de co giai phap ring phi› kip thoi 3.3.11 D:iy manh hoat dong tiép thj Cac doanh nghiep ihufic khu viic KTTN tliuéng iliiéu thong tin vé ngan hang he co nhu cau di vay Vi vay, day manh hoat dong tiép thi dé khach hang biét d6n minh clinp nhu nhfmg san pham cua ngin hang la chiu cin thict I rong viec xay dung chién luoc tiep thi nh:tin quang bit ten tucii, san phiim ciia nyan nang can phai xac dinh dune: - Phan khiic th| ti’ttnng: theo tirng d i tupng nhu ca nhan, doanh nghiep — Phai xa.c dinh duDc dfii thu canh tranh tien dia ban miiih dang hoat dong, xac dinh ditcie diem manh va diem yeu ciia minh so véi ngan hang ban Tu dfi, xay dung nhfmg goi san pham kh:ie biet nliung phu hop clio tung d8i 73 — Cci ke hoach ve chi phi cho cong tac tiép thi, quang cao clio timg thoi - Ngoai viec sit clung nhiiiig phuong ticn truycn thong ti‘uyen thong dé cJ uang c o nhu t ivi, bao chi, nga' n hang cfi tlié qu rig ba thuong hieu ciia minli thong qua cdc chuong tinh tai trp hoat clong tu tlii n, to cla iic cac bufii laoi than den cl oanh nghiep - Ng°an hang nen to cliuc mot doi nghi nhan vien tiép thi de quang can va tu van san pham ngan hang dén doanh nghiep, dung de doanh nghiep tit tim dén m i nli md ngan hang nen chit ding It ve dcii doanh nghi p Nhat la doi tiipng doanh nghi p khu v trc KTTN v8n i‘dt han clii vé th8ng tin dich vu ciia cac ngan hang - Phat liuy iiiang luci i clii nhanh: reliant met I ciiig tli i tiufiig va gitip khach hang thuaii tien giao dich, phat huy mang lucri ban buoii ket hpp voi mang lucri bin lé mot cach hop IQ 3.4 C:ie gi:ii ph:ip ho trti 3.4.1 tiiai ph:ip h ti trti t u phia Chinh phu 3.4.1.1 Danh cho NHTM: — Cliinh phti dong vat ti‘o rat quan ti’ong viec tao diéu ki n cho khii vuc KTTN phat trién cling nhu tao dicu kien cho NHTM n‹mg cao hieu cJ u‹i hoat dong tin dung cho kliu vuc KTTN Mac dii thoi gian cJtia Chinh ph ii da cO gang ho tro khu vuc la chua nhicu thc hicn qu a gcii 1ach cau l 7,t1t1U ty don ma bat dau duoc thuc thi vao 1/2/2009 bang viec loo ti‘ci 4% Hi su.it cho vay cho cfc NH I M danh cho Thiet nghi chinli sich la rat tfit, Chinh phu nen can co d|nh hu ig tiép tijc he try lan déi clio cac NHTM de NHTM cfi the cho khu vuc diiDc vay vcii Hi en:it iru dai theo chinh sach cua Nha nucic Chinli ph ii can ban hanh cac thii tijc hanh 74 “n di va ti‘én “ ii von hfi ti p lati dai, Cliinh phii can lap ké hoach, co tlié - Dia phuong ti6p tuc t‹io clieu ki n thii‹iii 1c›i ence c5c to chirc tin dniiy phat ti-iéii va iiio rong lie thoiig iiiaiiy luoi tlieo quy hoach chung ciia nganh ngan la ang (nhana tiép caia khach hany, ngucii dan tot hon, phat trien clich vrJ tot licni ca ve sci tuong va chat luoiig) Tang cuong cfc hoat dong phoi hop yifia cfc sci, nganh lien quan nham thfio get kip thoi nhimg khfi khan voicing mac cjua trinh phfit trien d)ch vu nyan hang vé cc ché chinh each, ve cfc thu tuc hanh chinh cfi lien quan, de giai phfiiig iiipi iigu fin luc ciia cac NHTM, dé cho NHTM tu' tlié hi n the manh cua mirth - Trony ké hoach phat trien hinh té cua d(a phucnig can xay dung cac chinli sa/ cli ho ii ‹ vé ph‹at trién nguon nhan luc clan nganh ng‹an hang: + Elac bi t la iigufiii nhan luc coiig nghe tlioiig tin; ii1i¾i Inc quan 1y nh"am n6ng cao n"ang luc ‹juan tri, hiP u ‹ju:i hoat d8ng cho c:ie ng6n hang trén dia brim + Cén cc c u ty le nlait dinh c:in b ng6n hang dune duo tao c1a i tiéu dao tao ngufin nhan luc — To chiic thong tin day dii ve xu huéng pliit trién ia ganh ngan hang tren dia han tla anh ph ri Trong d é thong tin day du ve n c› i dung, ké hoach va muc tieu can dat Hi cho cac to chtic co lien quan: he thong cac dinh che tai chinh ticn dla bait, cac cc cJ uaii l»an nganh va thong tin de nioi doanh nghiep nguéi da'n nam bat ve cac tien fch ma c:ie dich vu ngan hany many lai cté d évn 6-ao dat ditpc nhfmg két qua, muc tieu ma chinh sach dna i‘a 75 — C½n i‘a soat lai cac van ban phap luat, he thong lai nhiing diem bat cap can cliinli sua, nliung diem mau tliuan cliong cliéo cac van ban pham phfip luat vcii nhu: cac quy dinh phap luat vé c am co, tlié chap tai san ton Lai su thiéu nhat quan gifia Bo luat dan su va cfc quy dinh cua Nga' n nang Nha niii c, vé quyen uu tién toan xir ly Hi san dann bao bat lipp ly va mpt so dieu quy dinh Luat cong chiriag 2006 Ngoai ru, can tiép tire cai each hanh chinh tai cac cc quan dang ky giao djch bao ducn dé dip tiny yéu cdu dfii mcii va h8i nhip kinh té cJti8c té - Chinli phii nen van dong nhiing ngufin Hi tro tit ben ngoai de thiét lap mot Quy c[uoc gia riéng va giao clio NHTM tliirc lii ii ti oiig vic:c lio tier tin dtJng cho cac doanh nghiep co du an kinh doanh tot thufic kliu vuc KTTN 3.4.1.2 hanh cho kh n vuc KTTN: Dén canh dfi, vi c tao dieu ki n thrian loi vé nioi triiony kinh té sé giilp cho khu vuc KTTN ph:it trien 16n manh, tu dfi gian tiep gifip cho NHTM cle dang cung cap tin dung cho khu vuc nity nhicu hon vi khu vuc 1éin manh no sé khac phuc duo• r ha.n n.in iiliiing klifi klian ton t‹ii ciia minh Chin la each thue: + Thud thu iili ép doanh n glii cp TNDN ) Luat tlitié TNDN iiicii so 14/2Utlb/QH 12 Quoc hoi thong qua 3/6/2UG8 dupc thay tlié clio Luat so 119/2Ut13/QH 1 va co hieu luc tlii hanh tit I /1 /2tlt)9 Not dung ciia Luat da co nhicu thay dci nhu: chuyen cac doi tuong mop thuc la ca nhan hay ho kinh doanh ca the nang nop thuc thu nhap ca nhau, thay dcii ve: thud suit uu dai xuong hat miic l I tl"o V ½ 2G ºfo, thfii gian uri dai cling thu hep lai doi tuong ap dijng, thu nhap ch|iii tliiié kha.c kh6ng c1ii‹Jc tinh uu c1ai, thay d6i ve m(it s6 kh‹›an chi phi kh‹5ng ‹1u‹›c It-u xac ‹linh thu nhap ch in ihué, thay cloi ve tlaué suiit In 28%c xuong 25% 76 Trong Luat mcri ciing nhu luat cfi, cac ch f iili sach thue ini dai d ciac ap dung can cii vao du an dau tu tai dia han cfi diéu kien kinh te xfi hoi khfi khan hoac dac biét khfi klian, can cti van mghanh nylie dau tu Vi the, du rang thue su iit clfi c1iicic giam xtiong 2§ O o llhtlTlg win cJu i c‹io doi véi doiinh nghiep Viec nop tliué cao se kla ién cho doanh nghiep lim cach tron thue, lam th½t thu nguon thu ngan sach va tang chi plii qu‹in ly tliué Vi vay, néu cfi mot cliiiih sach uu dai thué hop 1y thi doanh nghiep se tu’ nguycn nop thuc nhicu hon va tranh duc c th t thu nyan sach Du rany ngiion thu co giam it di, nhung doi véi doanh nyhiep se dung khoan tien giam nop thué dé t i dau tu, m‹ iong san xu.it, tang kha nang canh tranh thay vi Chinli pliu diing nguon tli ri ngan sach dfi de tai tai tro lai Mat khac, vice tai dau in cua doanh nghiep gifip cho Chinh phti tliu dti‹ic tién thue nliiéu lion + Thué qié ti [ qia t‹in q (II Ci1’j Lu t thue GTCiT iri‹›i st 13/2Utl8/QI—I 12 ducc Qufic 1ioi thong qua 3/6/2t1tl8 v c ci lii(ii lire ké tit 1/2/2GU9 Theo luat thiié m6i d é cc› mc›t so siia dfii bo suny quan trpng nh ii: mot so nhfi m hang hfia, dich vu tir khfing ch|u thue chuyén sang chiu thué nen d8i t iipng kh8ng chiu thud gi in t u 28 nhfim xiiong 25 nhfi m; wing them muc win ‘i t u rig ch ] u thiié ()%r; thué suat 5›fi giant tit 21 iilifiiia xii iig 15 ialifiiii, de dupc khau tru thue thi phai cfi chunk tu toan qua ngan trang doi voi hang lifia, dich vu, iiiua vao, ti ir hang hfia, dich vu mua titiig lan co gia ti‘i duéi hai mucii trieu; thoi gian de dwpc bfi suny ke khai cho nhflny khoan ké sai sol TO thing ké tu ugay pla at hien sai sot Theo ucic tinh, khoan thu tu thué tiTCiT theo luat mcii sé tang hon nhieu iihfim dang phai chiu thué suat cao hon ti‘uéc diy Chinh s ch thué can sé gay kho khan cho doanh nghiep vi c chu chuyen von Vi v"ay, viec dieu chinh gi:inn thué suat sé giiip doanh nghiep hair ché kho khan, mci rong dau tu, tu nguyen mop thue 77 Khuycn Which ring lio vi c lap cac hot doanh nghiep ii tuiig dia phv‹ ng de la9 cung giiip vuot qua klifi khan tren thv‹ np ti uoiig Xfic tién hon ntla viec lap Quy bao lanh tin dung theo nhir tinh than ctia Quyet dinh so 193 2tlJ12J2t1tl1 cua Thu tuing Cliiiili pliu 3.4.2 C iai ph:ip ho tro tit phia Ng:i n hang Nha nuoc 3.4.2.1 Danh cho NHTM — Tiép tuc hoan thien he thong van ban phir •(it Phoi hpp chat ché véi cac cc quan ban ngh nh viec bait hanh cac van ban phap luat co lien quan nham tranh en mau thu an, chony cliéo g i ila cite van ban baia hanh “n de no xfiu Hfi tro cfing tac tit van cho cac NHTM ti‘ong vicc giai dap cac tliac mac vc cac httctng viec clé chinh each i mo cii a Nha nuic 75 Diiirg trucic cuoc kh iing hoang tai chinh toan cau thi viec tang ciiong vai tie quan ly, giana sat ciia NHNN la dieu can thiét nham phat hien kip thoi, N¶Oili ra, can xem xét bo sring, sua doi cac quy dinh ve bao clam an toan nham nang cao he so an toan cho tung NHTM nfii iieng ciiiig nhv ioaii he thong nfii c1iu ng 3.4.2.2 Danh cho khu viic KTTN: Trong nhiing thany dau nam 2tltl8, Nyan hang Nha nufic th rrc hi‹:n mpt loat cac bien phap vé chiiih sach tien te nliaiii muc dich lain yiam lain phat nla u: khong ché miic tang tinting tin dung khfing vuot qu:i 30 o nam 2t1U8, miicc llaaii ssuu:aitt cccc bbaann ttii ttuucc ddii ccllaa één dd eeu iinnhh n cciiaacc u kkééoo tthh ll ssuuaatt bbiié eeo aa vvaay énn o ii dong tuong ring, phiit hanh 23.tltttl ty dong tin phiéu buoc 41 NH I M phai mua vao Cliinh nhtitig chinh sach ti‘én mot mat kem ché diroc iii uc tang lam phat nhimg mat khac eta anh huéng rat dcn cac doanh nghicp can sit' dung den klao n net vay ngdn hang nhu d¼ dC c bp phdn trfln €'ac doanh nghi flp liii co klia nang c1ic›ng dii tc›t 1iciii nliung nhi n doanh nghi p nlio thuoc kliu vuc KTTN tlii gap r½ t iihiéu klic› khan, neu tinh lunli cu kéo dai thi loat cac doanh nhfi st bi ph san, gay anlt hu’éng nany nc dén dci song ngiroi lao dong va nén kinh té Vay thi giai phap l‹ém ché tang ti‘uong tin dung nen dune thuc hien trén cc sc cfi chon loc, dam bao kh6ng gny the dong tiéu cuc dén mot so nganh nghé nhu: xuat khau (mot muon thu ngoai te chu yéu kem clié tham hut mau dich), cac du an cc scr tang (rat can thiet cho bat ky quoc gia nao can phat ti‘ien kinh te ben viing) va nhtin g nganh nghé san xuat hang tieu dung chinh yéu (dam ban tihu cau clvi song ciia nguoi dan) Doi véi nhfmg nganh nghe trén Ngin hang Nha n ri'cc item danh cho ho mot chinh each lai suat riri dai da(c 79 3.4.3 C iai ph:ip ho tro tit hiép hoi c:ic doanh nghiép - Tiép tuc day manh vai tro cua hiep hfii cac doanh nghiep vi c ‹lai ‹li n cac ‹loanla nghiep gop y xay dung cac chinli sacla , cac vaia ban phap ltiat, phan anh nhitng quy dinh hien hanh dang bad cap - Hiep hot la ngimi dai dien cho cloanh nghie r •i vay trucic cac khfi khan ciia doanh nghi pp hi p hfi i can chit dong hon tiong viéc ph:in Huh c:ie thong tin cten cite cc ‹quan Nha nude To chirc cac buoi hoi tlaao dén cac doanh nghiep de cung cap cac thong tin thu rig xuyen ve nghanh nghe, ve ky thual san xuat, ve san pham mcii, thong tin ve: ngan hang, cac chinh sich thay d c›i c’n‹i Nlia nu’cc, Tao dieu kien cho cfc cl oaiih nghiep c6 cc hfii h the, lien ket voi nhau, curoc bo sung tla oiig tin d:iy du nh ana ti-f nla du’oc r ³³• a ao nhuia g too tla at khong bank cc› tliiéu liiéu biet vé thong tin - Ren canh do, hiep hoi can to ch iic bo phan tu van nhu tir van tiony cac van dc ticp can von vay ngan hang, t ir v n vc chiiih each thuc, tu van vc lao dong, To c1iiic cac buoi hoi chp, trien in de c:ic doanh nghiep co cc hpi g i cii thiéu san Ph:im th ] tru‹mg ti‘ong nuéic va c[uric té Ket 1u:in chuon g 3: Giai phap nang can klia nang tiép ca; ii iiguoii “n tin dung NHTM cu a khu vuc KTTN trén dia ban TP.HCM khong the chi danh cho dcii phucng mot phia diiiig gifii quyet ma cloi hoi sir h pp tae va hfi tro tin cii a cac ben Cfc gi:ii ph p hop ly vii phu hop la i it can thiet doi voi NHTM viec cung cap tin dung clio khu viic KTTN, nhién cling rat “ dén en dinh hu ng va en ho tro tu Chinh phii , NHNN va hiép hfii cac doanh nghiep Triii qua mot thcii ky phiit trien, khu vuc KTTN da co nhieu thiinh tuu va dong g6p dang ké cno ticn kinh té, lio may cang Zhang d)iili vi thé ctia umum tien linh vuc kinh doanh, buoc nioi ngucii cfi c:ii nhin dting ctan hon, thay doi tu' nhan thuc vé mpt phan kinh té lam an nhfi le, khfing hieu qua bfii iiliitng kit qua dat dune cna lie ti oug thfii gian qua Qua nliiin g giai phap ctia luan van d ciac neu i a lay vong st gop phan nao vao viec giai qiiyé t nhttng khfi khan, ton lai iiliu da dune ph tln tich ci p1i:In trén Tit I ca nh im p y ia i ph:iji n iiy NHTM cliii hri i nh ii i en si) lr’i trri tit nh ia fin:inh nghiep va Nha nude Nh ir v.iy, NHTM mii co the cung ducic tin dung nhieu hon cho khii vrJc KTTN Tuy nhien, la an ch é vé kha nang nhan thfic va kinh nghiem vé linh vuc nyan hang cany phat trien pliiic tap nhu hien cfiny nhu d ir‹ii tac clong ciia suy thoai kinh té clfi anh h iténg nhiéu dén khu vuc KTTN va ng nh ngan hang, nen luan van khfi tranh khfi i nhiing thiéu sot v‹a han ché Rat mong ii1i¾i ducic stt clong gfip guy b u cua Qti y thay cfi va cac bait clcing hoc 52 TAI UE U THAM KHAtl PGS.TS Ti‘an Ngoc The, TS Phan Thi Bich Nguyet, TS Nguyén Thi Ngoc Trang, TS Nguyen Thi Li€n Hoa, TS Nguy6n Thi Uycn Uy€n, truong Dai hoc Kinh Té Tp.HCM (2()()3), Tai ‹ hinh doanh n qh iép hién clai, NXB Thom Ke TS Nguyen Thi N g•oc Trang, t i‘irong Dai hoc Kinh Te Tr HCM (2t106J , Qu‹iri ti i i ui i c t‹ii ‹ hinh, NXB Thong Ke TS.Nguyén Thi Mui, Th S Tran C½h Toan, GV Nguyen Ba Nha, Th.S Ld Thi Lam, tiriong Dai hoc Tai ehinh Ké toan Ha Noi (211111), ±) thu vet tién t‹ é n grin tiéng , Nxb Xay dung, Ha Noi PGS.TS Nguyen V a'ii Don (2003), Tiin th - n gem h ing , Nxb tuong ke, IP.HCM TS Nguyen Minh Kien (2005 , N gh iép i u n gem hci n g Hi u’on g mai, Nxb TP.HCM Quyét ‹1i|iih s6 1627J2tttt1JQD-NHNN ve Quy ché clao vay cua cfc TCTD Qii yét clinh so I 6J2ttt1b/QD— NHNN ‹juy dinh viec dieu hanh Hi suat co ban bang dong Viet Nairi Quyét dinh 112/2tlt16JQD-TTg ve viec [ihé diiy I cfc: an [that trien iig1i‹an1i ny.un hang VN dén n‹um 2tl1t1 va dinh huéng d én nam 21121 83 1 Thong tit so tJ7/21103/TT— NHNN vé viec hucing dan thuc hien mot sci quy dinh vé dam bao tién vay cua cac to chilc tin dung 12 Luat Doanh nghiep nam 20115 ciia Quoc Hoi nucic CHXHCN VN 13 Luat Ngan hang Nlia nucic 1998 ciia Quoc Hoi mfcic CHXHCN VN 14 Lua' t cac To chiic Tin Dung 1998 ctia Quoc Hoi nitfic CHXHCN VN 15 Cac bao cao thu rig nién hoat ‹rong ngfin hang cac nam 20113, 20114, 2t1tJ5, 211116, 2tltJ7 ciia Ng"an hang Nha niific TP.HCM 17 Cac trang web: www.hochiminhcity.vov.vn www.pso.hochiminhcitv.uov.vn www.sbv.gov.vn www.mof gov.vii www.ueh.edu.vn www.dpi.hochiminhcity.gov.vn ... DAI HOC KINH TE TP. HCM LAM MY GINH NANG CAO KHA NANG TIEP CAN NGUON VON TIN DUNG NGAN HANG THRONG MAI CUA KHU V C KINH TE TO NHAN TREN DJA BAN TP. HO CHI LUAN VAN THAC SI KINH TE TP Ht Chi Minh -... CUA KHU VUC KINH TE TU NHAN TREN DJA BAN TP. MO CHI MINH I Thu’c trang hoat dong ciia khu virc kinh té tu nhan trén dia biin TP. HCM 15 2.1.1 Nhftng dong gop cua khu vuc KTTN trén dia ban TP. HCM... an trén dia ban TP. HCM theo khu vuc kinh té Bring 2.5: GDP trén dia b TP. HCM theo khu virc kinh té Big 2.fi: Gi:i tri s:in xult c6ng nghiép trén dia biin TP. HCM theo khu vuc kinh th Bring 2.7: