Socialization capital sources for credit program of lending to student

uPPsALA Uf NlVERSITET MA fiTER THF.SIS SOCIALIZATION CAPITAL SOURCES FOR CREDIT PROGRAM OF LENDING TO STUDEi'4T Hanoi, March - 2012 AC KNOWLEDG MENT Attending Master Program Public Management (MP1³M) intake 04 is an honor for us ’Fl hii s is the course which collab‹iration between economic University - Hanoi National I 'i u ii cm it› - n In i› crsi tJ at top ‹›t“ Vietnam and Upsalla I University - a university ranked 62 of \ !i 'i‘ I i u i sli i rite 'I use In i subject > vv c are ghided t‹i research b\ a thesis It was not as we i u i i i.i ! I › ilii›u glii that the thesis ve il I be s er) simple and dull In contrast, this is really a tune- crested peri‹›d and t ull of experience with new research method, fascination from the first co›nifc renc.e We have b•.en step fry step guide to identify pioblen‘is, determine the research m‹ctIh‹ido1ogy, data collection, data processing, analyze the situation then propose solutions Many peonle have contributed to this thesis at several stages When works began, we re‹ce•ived enthusiastic help of library staff in the Hanoi National University, our colleagues in thte provision of documents, available data and information sources from their fact work In pairtiicular, we thank Mr Nguyen Van Ly - Deputy General Director of VBSP, Mr Lo Van Diuc — Director of student credit Board, Tran Thi Lan Phuong - Director of Planning and C‹upiital Board, Luu Hoang Hat - Deputy Director for student - General Department of \’‹ ›c ii i‹›ii.i t ‘Frain ing - Ministry of Labour lnvalids and Social Affairs, Duong Van Ba - Deputy I ii i‘c'c' t‹› i‘ eminent department - Ministry ct" education and training [ lie li i st ‹›ull inc and the research questions have been read with great care by Dr Pham V iii ’l’haug Vietnam suppervisor - National University of Hanoi, who has a lot of experience in the‘ ‹education field that we are making research We have been commented on the thesis striaxture, the validity of the research questions, scope of research Not only that, in the research prc›ciess, we always received his encouragement and contributions At stage of progress report, we hiave received practical significance donations for the theoretical framework of the problem by P'r‹› Sven Jungerhem, Upsalla supervisor as well as comment on the form of the thesis to corn| plete in progress Thesis has been made clarify after the master thesis defense seminars with some consitruct i›•e suggcstions of the critical groups Particularly, direct comments of supervisors I‘n› tii V iet iiain and Upsalla I diii :ick n‹›vv lcdgnient iv ould not be complete w tilt out mentioning others who c‹›n i r i htiicd hchind the scenes We are especiall y gratef“u1 to C’EMA and the sponsor Ireland has crc-al‹e‹t conditions Ie help us complete the thesis as well as this useful course Last but not least, we owe a special word of appreciation to the coordinators of the progrrain Hoang Thu Giang and Nguyen Phuong Lan to create the conditions for a fruitful collalb‹›ration Author group Dinh Mai Phoug l4oang Xuan Truong All SI KAC T I I it Ie: Socialization capital s‹i urccs for C red it Program of Lending to Level: Final assignment for Master Program in Public Management Authors: First name Surname Group 6/4A: - Dinh Mai Phong - Hoang Yuan Truong Supervisor - I º psalla: Pro Sven Jungerhem - Y ½ I I lr Pham Vu Thang Ita t « » hcn the thesis is presented: F c bruary 20 12 Aim: Credit tor students contributing to increasing the budget for universities and c olleges while state budget is cutting down; Help student could go to universities and not to b›e dropout because of lacking money for learning; access opportunities for students with hiigher education, especially for the poor; further more it also creating quality human r‹esources in the future However, funding is always missing, while the cost of learning, fOr tlfie life of student increasing Our aim in this thesis is solving problems for the capital incentive credit program I ia pa rtiC ll l ar capit ill socialization is a good and feasible solution that we want to clarify M crhoJ I llcducti s e method: Study theoretical framework of the Law of Supply and I 9ciii :inn t‹› dcicrm inc the hasic theoretical ct’ the thesis; Study some student credit models on the wo r1‹1 to follow the appropriates and improve the problems will be subject to conduct rcsc•arch; collect data from the reports of the ministries concerned, the website of the age-nc i cs implementing the program 7.2 Investigation by questionnaire method: Based on the research question, scope of i csearc h our group has designed the questionnaire to determine the demand for student l‹›a ns 1ionsehol‹1s demand and also make survey on léasibi l ity of the capital socializaiiOn thr‹ ›ugli cc›m ri bution preparedness level of pe‹›plc the support and agreed of policy makers N l c l li‹›‹1 ‹it’ comparison, anal › his svnl hesis: B› the tools such as 5WOT, MIND MAP, l'lt t3BL LM FREE to make general assumptions, the direction of problem solving that will 7.4 In addition, we also c‹›mbin e‹J of usmy some other methods such as: Ask cx ;›en s(policy makers, Swedish inst rnc ttir, Vietnam ), the method of calculation of the value determined the index to enhance the pcrsuasi i’eness of the arguments in order to miswc• r the research question II Re.sult & Conclusions \\ i in the su p;a‹›ri and c‹›n tr i b uti‹› ns c» t cc‹›n‹›ni i c elements in society will help manv ×i n‹i me in studying, p‹›iii li‹› ii seh‹›l ‹J » ‹i i 1’t i( ul t !icusclio l‹is gn loans to continue ÷»n i’i hurting t ‹› the dci elopment education and training, imprcving :he quality of human rc s‹›urces meeting the requirements of industrialization, modernization and development of knowledge economy Suggestions for future research Within the scope of our research, WC WOUld like to propose some feasible solutions to implement socialized capital source for CPLS After capital 5ource meets current large demand for loans, it will generate new requirements, which is how student can reach more with this credit program, how effective does the program must be managed in order to p r‹› m‹u e the credit effect and making up the social goals ct’ equality If have chance, we » ‹›ii l ‹l I i k e t ‹› c‹›ii ii w u c st u d J i iiy in a higher research 16 C un t ribu t ion of the thesis In this thesis, the problem of lacking capital considered scientifically and systematically associated with the general theoretical basis, while also mention to the specifics of the credit program of lending to student and the actual results of this program in recent years to make some basic comments and some high feasible solution, throu b³ which the loan funds will be added to meet the borrowing needs of a large amount student and households 11 Key words: Capital, socialization credit, incentives, State, Student FABI I UF € (CN I k.N F \ I t HIt I’ V I e\4 UN S ! ! ! ( I I \ II I 1’ S C“I I.XKJ l ( i I \ I' I I It I : I l I ll t J l l C Flt JN RI.ASGN FOJ R SUBJLCT C HO PURPOSE AND RESEARCH QUES flCl N / Purpose of rese 2.2 / esearch quest o 3/ SIGNIF I CAN CE GF SCIENCE 4ND ºPA.CT!CE OF RESEARCH / RESEARCH I9i ET / Deductive method 4.2/ ?urvcv method with questio k1et li‹ids ‹n comparative, analysis, synt €J bJ LC I AND SCOPE OF STU CHAPTER II THEORETICAL FRAME ABOUT SOCIALIZATION ON CAPITAL SOURCE OF CREDIT FOR STUD 1/ NGTIONS OF SOCIALIZATION CAPI4 AL SCI URC E FOR CREDIT OF LENDING 4’O STUDEN 11 LAW OF SUPPLY AND DEMAND FOR STUDENT CRE / Definition of Supply and Demand about student credit a Demand balance in student cr I C RJ FU T PROGRAM OF LENDING TO STUDEN II / SOME RESULTS ON CAPITAL SOURCE AND LENDING TO STUDENT (200721)1 1 14 / Results of implementation 14 2/ Evaluation of CPLS implementation I\' C API I AL OR CR EDI F PROGRAM IJ I ³ LENDING TO SJ UDEN F .18 I 1sscssm cnt ot the abilit› to meet capital lb 2/ Status ct‘ current mob ili z iii ion capital 20 › I he I i iii i rim inns i n the rim sni g capital 1 I I ‹1J' I 1:R I V S€JCTAL IZA I UN C’API I AL SG1? RCES F‘GR CREDIT PROGRAM OF CN LII NG TO S I UDEN 1/ EFFECTS OF RAISING CAPITAL SOURCES FOR THE CREDIT PROGRAM OF LI ›NDING FO STUD 1/ ContribUtlOn to ‘increase the budget of universities and colleges 22 C rearing conditions for expanding higher education system and colleges 22 Social Security (equality/access opportunities for th !› •c t thee needss of hUNli aR r rcsourccs in tlic ?iii‹J e r i supporting 23 II SP U I I ltJ14 I O SGC l A l.l ZE CAPITAL SOURCES F CR CREDIT PROGRAM OF I I N IJ IN G TCl STUB 1/ Solutions to mobilize various capital sourc 2/ Group of solution implemented various forms of capital mobilization 28 CHAPTER V: CONCLUSION R EV ERENCE A PPEN RESULT OF QUESTIONNAIRE SURVEY FOR STUDEN JIESLJ LT OF QUESTIONNAIRE SURVEY FOR HOUSEHOL JD I ³S1 11 F CH QU EST I ONNA IRE SURVEY FOR POLICY MAKERS ABBREVIATIONS Viet Nam Bank for $ocial Polices C redi i Program of Lending to Student C onini un c Transaction Peini l.en‹J ing an ‹J Saving Group LIST OF TABLES, CHARTS List of survey Total outstanding — capital source of CPLS Capital structure of CPLS Student lending quantity Student structure as beneficiaries I.'hart Student structure by type of training Chiat Planning emplementation Chart Learning cost of student - student survey Chart Learning cost of student — household survey Chart Socialization capital sources structure survey CHAPTER INTRODUCTION I / It 1.ASt l Y F tl lt SI H.J UT C H GSEN: I i en i i p r‹› i‘:tin 1‹›r l ciul i ng t i› student is incentives loan program tor tamil i cs with Jr i l‹J i cii at tc riding at the LJ ni v crsi t y, culleges and technical secondary schools, vocational ›cli‹›ols under decision No 157/2007/QD- TTg date 09/27/2007 of the Prime Minister This program has great influence in society, has 2.5 million students are children of more than l million families in lending program to universities Because this credit program has fast growth Ie.tding to capital fOr loans is always insufficiency Student borrowing demand often happen l ‹›cu s on the beginning of school year, the first semester, so the capital source of this credit pr‹›gram has alwavs been active Solve the problem of lack of funds for lending to student loan Ji r‹›grani is to address the most importance problem recently, this is also the policy of the ( i‹› v rnmen t cxp•cted \\’e then 1‹›re decided Ie choose the topic "Socialization capital sources for Credit l 'r‹i gra in of Lentling to Student” for our thesis After resolving the problem also means that in‹›re student who need money will have money by the loans could go to university, contributing to the GOVem ment 's gOal is to promote and develop education and training human resources for the future, to achieve the objectives are not let any student must dropout of university, college, vocational training because of financial difficulties / PURPOSE AND RESEARCH QUESTIONS / Purpose of research To overcome these difficulties in capital mobilization, preliminary conference program three years of Credit for students, Deputy Prime Minister Nguyen Thien Nhan has asked s‹›‹ ia l iza i i‹›ii ‹if the credit program for lending to student, in order to supplement capital source i ‹ ›i Hi is pr‹›gra m st ri i cs to 20 encourages financial institutions, credit and other economic /L i ‹› u ps c‹›rp‹› t i‹in s IlHd state enterprises of all economic State economic join together to pcr iomi credit program for student Our purpose is to solve difficult problems in capital source to this program As Ci ll cu l ating about the demand5, the total capital of the rollover loan of this to the year 2013 is estimated at 50,000 billion VND, of which the State budget capital 16,000 billion, the remaining ciipi t al allocated to VBSP mobilizcd about 34,000 billion VND Currently , VBSP mobilized On l; I 5,00G bil1ic› n VND Thus, to maintain the rollover capital fOr the program (50,000 billion V N D J average annual VBSP should be added about 10,000 billion VND The most cffective so1tii i ‹›n recently is socialization the capital Our thesis will propose solutions in order to suat danh nghia kh fing thap hon ciic giay np ngan hang cua ciic to chuc tin dung kh éc; dam bao lai suat thuc duong sau trir tain ph:it cho nguoi so him * D3y manh tu huy dong nguon von tien giii v:i tiét k1§m dan cu: - Nhu phan tich phan han ché cfing t:ic huy dong vfi n thoi gian qua cua NHCSXH: vi(c huy dong luon b| dong va quy mé huy dong bi gic i han bcii ké hoach cép bu tit NSNN hang nam, ma)c dii trén thuc té véi mang lucii hi(n cé› NHCSXH hoan toan c6 the huy dong nhleU hon Tuy NHCSXH c6n nhiéu vi(c phai lam de th i.ic hi(n tfit vi(c huy dong ngufin von n:iy nhu cac NHTM Nha nuéc khéc, nhung bén canh d6 NHCSXH ciing c6 nhfmg diem manh nhat dinh: mang I net rong khap cé den chi nhiinh cap huy(n, diem giao dich xa, to TK&VV, dupc iN nucic dam Dao kh:i niing toiin - Diéu liicr thuc F i(n cling I:ie liuy do( ng + NHCSXH can xiic d|nh v:i chap nhan canh tranh trén thi truéng linh vuc huy dong von Trén ca sé dé› dé :ip dung c:ic hinh thuc, c:ic bi(n ph:ip, c:ich th frc tfi chfic huy dong c6 hi(u quit Co so thuc té chinh la: NHCSXH khong the huy dong dupc nguéi n von trén thi tru6ng néu nhu thua ciic to chuc tin dung khac ve ciic ma( t nhu: lai suat huy dong, phuong thtrc huy dong, nang luc v:i uy tin cua ngan hang (trp so, phuong ti(n, cling ngh( ng in hang, .).Vi vay cac gi:ii phiip o day gom: NHCSXH can tiep tuc hoan thi(n mang luéi, trp sé , doi ngii c:in bo, trang thlét bi v:i cong ngh( ngiin h:ing d:ip ting yéu cau ctia céng t:ic huy dong von n én klnh té thi truéng, cé su canh tranh cua c:ic to chuc tin dung khac + NHCSXH can sts dung cc ché khoan dfii véi cac chi nh:inh h( thong céng tac huy dong von nfi i chung v:i huy dong von theo lai suat thi trué ng néi riéng Théng qua cc ché khoén se kich thich tinh niing dong, tu chit nhat di|nh cfia timg chi nh:inh, timg c:in b ngan h:ing céng I:ic huy d rig vGn + NHCSXH can kien nghi véi Chinh phii: Chinh phu can cap bii trén cc so so huy dong thpc Ie nham d:ip ting nhu cau vay von ciia c:ic doi tupng chinh s:ich xa hoi thay vi cép bii theo so ké hoach nhv hi(n * Vay vén bao hiém xa hoi: - Theo Quyét dJnh so 02/2003/QD-TTg 2/l/2006 cua Thti tuéng Chinh phu ve vi(c ban hanh guy ché quan ly tai chinh doi voi Bao hiém xa hoi Vi(t Nam (BHXH) va Thong tu so 49/2003/TT/BTC ng:iy l 6/5/2006 ciia Bo Tai chinh huc›og dan guy ché quan ly tai chinh dfii v éi BHXH c6 quy d|nh: doi vé‘i nguon i on tain thoi nhan rot, BHXH co the thuc hi(n ciic bi(n phiip nham biro toiin v:i ting It nong quy BHXH nhu sau (xép theo th fi tu tien trén thuc té): + Mua tréi phiéu, tin phiéu, ky phiéu, céng tréi cua Kho bac Nhé nuéc, cfia céc NHTM Nh ii nvoc; + Dau t n mot so du an Thu tuéng Chinh phfi guy dinh; + Cho NSNN, Quy Ho trp ph ét trién, NHTM Nh:i nuoc, NHCSXH vay * Vay céc to chirc tin dung nuoc khac: 29 Viec NHCSXH vay c:ic to chuc tin dung khac nuoc ciing l é mot gi:ii phap g6p phan day manh cfing tiic huy dong von ciia NHCSXH Nhu nhan tien gmt bat bupc loat 20 tir ciic ngan hang véi lai suat thap hon, tinh én dinh cao hon Vi(c vay von th ciic t6 chtic tin dung kh:ic sé ga)p phiii khfi khan: ciic tfi chuc kh fing phai luc néo ciing thira von, nhét la quan h( cung < cau vfin trén thi ir ufing, hon n tia cac to chic tin dung thu pc sci hfm Nha n noc (ké cii da cé phan va Nha n noc giu ty le chi phoi) da phiii th qc hi(n nghia vu bat buoc la giii 2% so du huy dong bang vao NHCSXH, ma vi(c vay n:iy dua trén cc so thoa thuan tu nguy(n, néu c6 chi la tain thoi nén: thoi han vay sé chit yéu la ngan han, quy mé khong l‹in, Hi suat vay l:i Hi suat huy dong thi truéng + phi huy dong ciia cac té chuc De vay' vGn c:ie tfi chic tin dung nu6c, IWCSXH can xem xét: Nhu edu can ve von trung v:i dai han hay l:i ngan han Néu chu yéu lii nhu cau cho vay HSSV la cho vay von trung, d:ii han thi vi(c vay cite to chuc tin dung nity khfing phai la giai phap toi Vi e( c vay v fin c:ic té chuc tin dung thu6ng ct› y nghia trang tr:ii nhu cau ve von tain th‹ i; Lai suat vay cé the se cao vi c:ic té chic n:iy cén dam b:to trang trai chi phi von huy dong, chi phi huy dong, 1cii nhuan dinh m uc, 2/ Nh fim gifi i ph:i p th;yc hi(n da ding c:ie hinh thiic huy dgng von Nhu phan tich ‹ phan kien nghi trén, nguén von in:i NHCSXH can tap trung huy dong chinh la nguon von Hi suat thi truiing chi cé› nguon von méi co the huy d ng dupc du de d:ip ting nhu cau vay von cua doi tupng HSSV Vi(c huy dong nguon von viii Hi suat thi truéng déi héi NHCSXH phai d:ip ting dupc cac yéu cau ciia thi tméng nhu c:ic kh:ic, diéu cé nghia la NHCSXH phai chap nhan canh tranh binh dang nhu cac NHTM kh:ie Hay néi c:ich kh:ic: NHCSXH khéng duoc thua c:ic khiic céng I:ic huy dc›ng vfin So véi thuc Ie hi(n nay, hinh thuc huy dong von cua NHCSXH c6n rat don di(u, khfing phong phu, hép dan nhu: lTlD1 Chi tap trung huy dong tien gfii tiét kiem tv dan cu, tien gut toan va tien giii cua c:ic to chitc hau nhu khéng dang ké Trong tien giii tiét ki(m méi sit dung hinh thiic huy dong théng thuéng, truyén théng Tu thpc té trén, de g6p ph day manh cling t:ic huy dong von d:ip ting dupc nguon von cho vay HSSV, chung téi néu mot sé gi:ii ph:ip: Thii nhat la: NHCSXH tip dung c:ic hinh thuc da dang huy dong tien gut ciia c:ic té chuc va ca nhan nhu: tien gfri to:in, tien gut huéng lai nhv tar khoan tiét kl§lT1, thuc hi(n ciic dich vu toén, ngan quy: két hpp véi c:ic to chic de thuc hien dich vu tré luong, toan ciic dich vu sinh hoat nhv: tr:i tien dien, dien thoai, n uéc, hoa)c ciic dich vu: toan the, the ATM, thu h pc phi cua sinh vién, ding bao hiém nhan thp cua cac ca nhan, toan cho cac doi t uong di lao dong xuat khau, Thu hat la: NHCSXH tip dung hinh thuc da dang huy do( ng tien gui tiét kiem tv dan cu: bén canh hinh thuc tiét ki(m truyén thong, tlet ki(m bac thang, tiét ki(m giii gop, can thuc hi(n them tiét ki(m ngoai t( va ciic hinh thuc khuyén khich d1 nhu trii lai truéc bén canh hinh thuc trii lai sau Can sém nhan rong ciic hinh thuc huy dong Hi ciic chi nhiinh toan h( thong (2) (3) (4) (5) (6) Thir ba la: NHCSXH da dang hinh thuc huy dong ky phiéu, tréi phiéu ngan hang theo d6: tao kha nang chuyén doi cho c:ic giay net ngan hiing nay, hinh thuc da dang ve: ky han toiin goc, ky han toan Hi, trii Hi truéc hoa)c tr:i lai sau, phat hiinh huy dpng bring ngoai I( bén canh huy dong bang nol te, *Dieu kiea de th jyc hi(n da dang hiiih th frc huy Hong ( l ) Hoan thi(n cc so vat chat, phuong ti(n liim vi(c, trang thiét bi ky thuat Hien nay, chua dap ting dupc mot sé diéu ki(n cfia hoat dong ngan h:ing Trong dé› yéu cau cao nhat doi véi nguiii gmt la tinh an toiin, thua)n ti(n giao dJch, dfi can cé bo ma)t, trang thiét bi tao dupe l6ng tin cho kh:ich hang; Dao tao va dao tao lai doi ngii cén bo tinh théng nghi(p vu ngiin héng, hinh thénh Trung tain Dao tao ciia NHCSXH va c6 Chién lupc ve nguon nhan luc; Trién khai toén noi bo, thénh lap Trung tain Thanh to:in, tham gia to:in lien ngan hang: day la diéu kien tien quyét de thuc hi(n huy dpng tien gmt toén Thuc hi(n hoat dong ve ngoai hoi, chu trpng huy dong, cho vay ngoai t(, thuc hi(n toén qufic té, thiét lap h( théng c:ic ngan h:ing dat ly é nuéc ngo:ii, l(ap Trung tain Dich vu Ngan h rig Ap dung cac cfing ngh( méi, hi(n dai linh virc tin hpc phuc vu cho hoat dong ngén hang Thirc hi(n hi(n dai hfia tin hpc NHCSXH Quiin tri(t tu tuéng, dJnh huéng canh tranh cfing tiic huy dong von theo Hi suat thi truiing nén kinh té thi truiing, tr:inh tu tuéing thu dong dqa vao su bao cap tir NSNN 3l Voi quyét tain cua Chinh phfi 1é khfing de mot HSSV nao co hoan canh kh6 khan phéi nghi hpc vi thieu tien d6ng hpc phi; kéu gpi su dong tain, hpp luc ciia cac To chuc tin dung, tap doan kinh té, tai chinh, ciic Téng cfing ty Nha nuoc va cac doanh nghi(p thuoc mpi phan kinh té gé›p suc tao lap nguon von cho vay quay vfing doi voi ciic doi tupng HSSV c6 hoan c:inh khé› khan theo Quyét º!nh l 57/2007/QD-TTg 27/9/2007 cua Thu tuéng Chinh phfi, “ xii hot héa dung ‹tan cua Chinh phu, vira giiim bét giinh na(ng cua Ngan s:ich nuéc cho Ch lf ong trinh vira cé du nguon von thuc hi(n chuong trinh, dring thoi kéu gpi ducic toar thé x lioi cliung tay v éi Chinh phu ti uc day su nghi(p gi:to due nuéc nha Véi su ho trp, d6ng gé›p ctia th:inh phan kinh té xa hoi se giiip cho nhiéu HSSV cua c:ic ho ngheo, ho gia dinh c6 ho n canh kho khan dnpc vay von dt2 tl t2p tuc cé diéu ki(n hpc tap, gép phan ph:it trién nén gi:to duc va d:to tao, nang cao chat lupng nguon nhan luc, dap ring yéu cau céng nghi(p héa, hi(n dai h6a dat nuéc va ph:it trién nén kinh té tri thuc Trong pham vi nghién c u ciia minh, véi nhfmg kien thuc da dupc hpc va hiéu biét cua minh nh6m chung téi da phén tich, danh gia thuc trang, diéu tra thirc té va tr:i Hi dupc cite cau héi nghién cfru ve nhu cau vay von cua HSSV, x:ic dinh tinh kha th1 cfia Xa hoi ho:i nguon n, su ung hp hpi hoa nguon von cho xa chvong trinh ciia nhiin dan va cac nha lam chinh s:ich Cu the la muc cho vay hi(n chua the d:ip ting du chi phi hpc tap cho hgc sinh sinh vién, miic vén can dupc néng lén; da so c:ic doi tupng duqc diéu tra déu ung ho vi(c xa hoi héa ngufin von n:iy; tir nhém chting téi da manh dan de xuat mét so giai ph:ip de thuc hi(n xa hpi h6a ngufin vén chuong trinh tin dung dci véi HSSV * Han che ciia lufin vii n: - Chua diinh glé dupc tong the cac nguon von tin dung da cho HSSV vay von ngoai quyét d|nh 157 (HSSV vay von thuong mai cho chi phi hpc tap) - Chua de ca) p den giai ph:ip thu hut nhiéu HSSV hon toiin xa hol C6 vay von phuc vu nhu cau hpc tap - Chua dna céc giiii phiip quiin ly nguon von de dat dupc céc muc tien cua ch nong trinh tin dung HSSV * Nh iing gpi y cho nghién ciiu sau nay: Khi ngufi n von de cho vay drip ting dupc nhu cau vay von cua HSSV v:i ngéy cang huy dong dupc nhiéu nguon vfin hon thi sé phat sinh yéu cau méi, dfi la: ( l ) Lam the nao de HSSV thuoc tat ca cac doi tupng c6 the tiep can nhiéu hon i oi chuong trinh tin dung nay? 32 (2) Chuong trinh phai duoc qufin ly nhu the nao dé v iia phat huy hi(u qué t ln dung v ira thuc hi(n tot da muc tiéu binh dang xa hoi? Duoi su hu6ng dan ta)n tinh ciia cac gi:ing vien Vi(t Nam, gi:ing Thuy Dien va su tham gia g6p y cua nhfim phiin bien luan van Chung tot tln chac rang c:ic giai phap xa h o) i hoa nguon von chuong trinh tin dung dfi i véi hpc sinh sinh vien de tai cua chung tfi i néu dupc tip dung sé cé tinh khii thi cao Yin tran trpng c:inn on! TAI LI E) U THAM KHAO l Gi:to trinh Kinh té hpc vi mo - Nguyén Dai Thang (2005) - Nxb Khoa hpc va Ky thuat, Ha Nol Giao trinh Ngan hang Trung nong - 2005 - Nha xuat biin Thong Ké Ngan Hang Trung nong - Cac Var Tr6 Va Céc Nghi(p Vu - 2010 Duong Him Hanh - Nhé xuat ban Lao dong Ly Thuyét Tai Chinh - Tien T( - 2010 - TS Le Thi Ma(n -Nha xuat b:in Lao dong Xa hoi Malkhotra N (2006) Marketing research An Applied Approach Pearson Int Saunders M., Lewis P., Tlionihili A (2010) Phuong phiip nghién c u kinh doanh NXB Tai chinh Nghi dinh so 78/2002/ND-CP 04 thang 10 nam 2002 cua Chinh phu ve tin dung doi véi nguoi nghéo va cac dfii tupng chinh s:ich khac; Quyét dinh sé 131/2002/QD-TTg ng:iy 04/ l 0/2002 cua Thti tuéng Chinh phu ve vi(c lap Ngan hang Chinh sach xa ho) i; Quyét dinh so 157/2007/QD-TTg cua Thu tuéng Chinh ph ti 27/9/2007 ve tin dung doi vé i HSSV Lq:a chpn chinh s:ich c:ie chaong trinh cho HSSV vay von: Bfi i hpc tir nghién emu dien hinh fr Chan A — to chuc gi:to duc, khoa h9c vé van hoii cua Llén Hi(p Quoc UNESCO Bangkok - 2004 - Adrian Ziderman Giao duc dat hpc va Chi phi — Chia sé o Hiin Quéc (Cap nhat rig:iy 05/4/2010) 10 Biro c:to ph n tich hi(n trang ve quan ly Hi chinh truéng da1 hoc — 2010 Trung tain nghién ctiu dao tao va ph:it trién ky niing qu:in ly Bo giiio duc va d:to tao 11 Cac bao c:to ctia NHCSXH, Bo gi:to duc vii dao tao, Bo lao dong thuong binh v:i xa hoi 12 Chi phi hpc tap ciia HSSV tar website: http: //tuoitre.vn/Tu vensinh/Tuyen-sinh/429718/Toan-canh- hoc- phi-cactruong- DH%C20 «A0 CD-nam-2011 htm l va h ttp://www thanhnien.com.vn/pages/20l l0902/chi-phi -cua-mot-sinh -vien - hoc-dat-hoc.aspx 34 TONG HQP BANG HOI DOI VII HQC SINH SINH VIEN Ghi ch fi N(i dung héi Biet thfing tin v J chaong trinh vay von HSSV C6 150 100.0% 85 65 56.7% 43.3% 72 13 84.7% 15.3% Thuoc doi tupng 11 84.6% Khfing thuoc doi tupng 33 50.8% Tit 000.000d/ th:ing tré xuong 15 10.0% Trén l 000.000- I 500.000d/ th:ing 43 28.7%o Trén l 500.000-2.000.000d/ th:ing 67 44.7%« Trén 2.000.000d/ théng 25 16.7% Khéng Doi tapng vay von co Khfing Thugc doi twpng vé daqc vay von Cé Chua Nhu can vay von dot vdi HSSV chua vay Chi phi hgc t§p chua tinh hgc phi - Trung binh th:ing HSSV hpc cite tru6ng cfing lap ph:ii trii h9c phi la 375.000d; HSSV h9c cac truéng ngoai céng lap phai trii trung binh 920.000d - Miic chi phi toi thiéu cho HSSV chua tinh tien hpc phi la khoang tu 1.500.000d2.000.000d/th:ing 35 TONG HQP BANG HOI DOI V€JI HQ GIA DINH N(i dung h fi i Biet th i’i ng tin ve chwong trinh vay von HSsv CN Khong Hoi tnpn g vay von Co Khong Thu(c doi tupng vii d$ vay von CN Chua Nhu cau vay cfia c:ie h( gia dinh chua vay Thuoc doi tu9ng Khéng thuo( c doi tupng Chi phi hgc t§p chua tinh hgc phi Tii 000.000d/ th:ing tré xuong Trén I 000.000- I 500.000d/ tha Ve mua tr:1i phieu NHCSXH Ve gfri tiet ki(m de cho vay HSSV 36 .3 TONG HQP BANG HOI DOI VCII NH G NGHI LAM CHINH SACH STT So ngairi tr:i liri Noi dung héi Ghi chit Viec try ho tang von cho vay 46 92.0% 8.0% 12 24.0% 19 38.0% 46 92.0% 18.0% 42 84.0% C:ie phuung thiic tang nguon von - Huy dong theo thi truéing - Huy dong trén thi tméng, cap bii suat - C:ic to chuc, c:i nhan g6p von khéng hoan lai - Phat hénh tr:i1 phiéu chinh phti bao lanh - Huy dong khiic ... ZATION CAPITAL SOURCES FGR CREDIT PROGRAM OF LEN Hl N €i TG STUDENT i / i-.i i’i:t r÷ oF RA ISINCi CAPITAL SOURCES FOR THE CREDIT PROGRAM II E LI.N HIX G TO STUDENT Creation of additional capital sources. .. CHAPTER III SOURCES CAPITAL CREDIT PROGRAM OF LENDING TO STUDENT REALITY 1/ CREDIT PROGRAM OF LENDING TO STUDENT G‹›vernmen t issued Decision No l 57/2007/QD-TTg dated 27/09/2007 about credit for i... II tl (17 to 20 1 € HAPTER II TH EORETI CAL FRAME ABOUT SOCIALIZATION ON CAPITAL SOURCE OF CREDIT FOR STUDENT 1/ NOTIONS OF SOCI ALI ZATION CAPITAL SOURCE FOR CREDIT OF I.F.N llING TO STUDENT