unlicensed socialization capital sources for credit program of lending to student

uPPsALA Uf NlVERSITET MAfiTER 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 agenc 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 p‹›iii li‹› ii seh‹›l ‹J » ‹i i 1’t i( ul t !icusclio l‹is gn loans to continue studying, ÷»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 F lt JN RI.AS GN 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 er 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 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 Cill 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 I Hew d‹› students need loans for supporting their study? What is the feasibility of social ization capital sources for credit program lending to What should be done in order to socialize capital for CPU at Viet Nam Bank for ?‹›cial Pot icies? 3/ SIGNIFICANCE OF SCIENCE AND PRACTICE OF RESEARCH Thesis will show the results of the CPLS recently; analysis of existing capital structure n n «an ‹›1 capital m‹›hilizat ion to this program Proposed solutions to socialize capital program i mi«u c c api i.it 1‹»r lcxi ns to nicer the needs of student ? ’ e I i‹›pc- i’nat our research will bc implemented as soon as possible, contributing to the ¿‹›.i t s Shut rue prOgram has reached out We also expect this is useful document for other ministries, policy makers at the macro level in completing the policy for the be other beneficiaries out side of student / RESEARCH METHOD 4.1 / Deductive method This is the research method based on theories, some models which are available, the documents related to the model in our thesis and other documents, reports related to issues that n e want to mention Since then draw the proper and appropriate measures to apply to the desired ni‹›‹le l as follows: I li e‹›rci i ca J l rame w‹›rk: We selected the Law of Supply and Demand to be theoretical w i+s l ‹›r our thesis With this theoretical framework we want to confirm the feasibility of the ׋›cia1ization of capital which is one of the solutions to increase capital sources for this credit program entirely consistent with the most basic mles of market economy It will resolve the main goal of research which makes Supply equal to the Demand for CPLS - Research model: we had researched some lending model to student from other countries such as Korea, Singapore Specifically, here we provided the model of CPLS in Korea to see the variety ‹›f capital in whole social participating in CPLS that is very successful, a model of social capital ‹›f a country with many similarities with Vietnam show the feasibility if applied in the can ‹if Vi c• tnam R escarc hing documents which relate to the CPLS of the Govem mcni the Minlst Of !l ]i1J4 C C $ U H C ilt iU ll lnd F raining State Bank and of VBSP inc hiding some documents, reports: - I n addition, we had collected data from some website: + Research on the website ct VBSP http://www.› bsp gov + Research on the website of the Ministry of Education and Training in collaboration » ith the L•ibour Invalids and SoClal A tt airs: ht tp://vayvondihoc moe t.gov * Advantages: -lncxpciisive: Recause the theoretical frameworks, models arc available the research ‹i‹›cum cnts are available We could collect in the library, reputable website that is not costly I !ase of implementation: With the deductive method, our group does not have to ‹ i › c’ i ‹ ›p c a I tm ti on criteria: n‹›1 deep survey on a large scale that only inherited the research l ase ‹›l appl icat ion: ’Fhc problems were made clear will be applied to the problem sh‹›uld be studied; we can apply the recognized results for comparison, become standard data in ‹›r‹ler to compare with the subject survey Then we have important reviews which are premise l oi the proposed solution - High convincing: 4’hrough research methods of relevant documents, especially the legal cloc uments of the Government, the regulation documents on lending, creating capital mechanisms for lending to prepare for the thesis, such as needs identification, selection and l iniit the scope of topic, find sources of support, finding the research objectives; the documents ve hich need an‹J appropriate tools to investigate * disadvantages: - Qual itv ‹›t ‹documentation may not be high: As varied source of documents, so it can be i nacc tiiat c• documents about the content, data can even be completely false documents - Studying various types of documents: After collecting document and data, we have to review documents to determine the accuracy and suitability to be applied to solve the problem that wc want to research 4.2/ Surv£l7 ×ethod with questionnaires To find out and determine the correctness of the solutions for the research questions, we hat e chosen the method of questionnaire survey for policy makers related to CPLS, households w it li children in school and students to capture the demand for loans, the feasibility of the s‹›c i a l i zation of capital as the below table: CH U’ONG IV XA H I HOA NGUON VON CH ONG TRINH TIN D¶ NG DOI VII HQC SINH SINH VIEN 1/ ANH HLDG CUA VI C GIA TANG NGUON VON DOI VH M¶ C TIEU €' L A CH ONG TRINH TIN D¶ NG HSSV Vi(c tao lap them nguon vfin sé tao them nhiéu khoiin vay hon den voi nhiéu HSSV hon Trong NSNN ct› han thi vi(c huy dong ngufi n von tu moi phan cfia xa hoi la hét suc can thiét, tuong ting voi moi mot HSSV dupc di h pc dat hpc, cao dang hoa(c hpc nghé la mot kho:in chi phi khéng nho cho xa hoi Xa nor hoa ngufin von de tang muc cho vay phu hpp voi nhu cau, dap ting so l upng slnh vién cang l 6n, bii dap ngufi n von quay vfing c6 iinh huéng ro r(t déi‘i toan xa hoi, den nén gi:to duc nuéc nha va da(c bi(t lit iinh huéng den su th:inh cfing ciia mot chuong trinh tin dung cho HSSV dfii véi timg muc tiéu, nhu sau: 1/ G6p phan tii ng ngfin s:ich cfia cac truimg dli hpc, cao dii ng Cac truéng hpc cfing lap déu ga(p tinh trang thiéu nguon kinh phi, do: Ngufin tai trp cua Nha nuéc khfing dii de c:ic tru6ng tri ve muc va chat lupng tuyén sinh boi c nh chi phi c:ing gia tiing; Xu the cat giam NSNN cho khu vuc cong lain gram d:ing ké ngufin kinh phi doi véi nganh gi:to due n6i chung va gi:to duc dat hpc, cao dang noi riéng, bu o)c c:ic Tru6ng phai di tim kiém c:ic nguon I:ii trp kh:ic de thuc hi(n nhiem vu; Nha nuéc uu tien giao duc cn ban (phé cap tiéu hpc) hon la gi:to duc cap dai hpc dan den vi(c phan bo lai ngufin kinh phi ciia Nh:i nuéc tit bac gi:to duc dat hpc, cao dang sang cac bac giiio duc’ kh:ic Diéu dan den c:ic tméng dai hpc cfing l(ap se ph:ii thu héi chi phi nhiéu h‹m de bu drip cho hoat dong cua hp théng qua vi(c tim kiém mét nguon thu thay the NSNN Ma c:ii nhin thay tméc mat dfi chinh la vi(c thu tir HSSV, nhfmg nguc i dang duoc huéng san pham gi:to duc théng qua vi(c tang mtic chi tr:i (hpc phi ), de c6 the trang triii chi phi hoc tap, HSSV cé the se phai tiep ca(n véi ngufin mot gfic nao dé Nha n ncic ho tro vi(c tao lap nguon von, ho trp Hi suat de Ngfin hang co the cho vay v:i HSSV c6 the vay vfin de chi tra chi phi hpc tap, giinh nan g tra np gram di, ky vpng cé dupc thu nhap cao hon c6 hpc van cao hon 2/ Tao dieu ki(n m fr rong h( thong giao due dai h pc, cao dang Nha nufic da vii dang drip ting nhu cau ciing tang cua xa ho1 VG QUO duc dat h pc thong qua cac chinh sach tuyén sinh Tuy nhién, mot thuc té la so !u’¿og HSSV tang qua nhanh va NSNN eo hep khfing du de dép Eng muc tang ‹1‹›, néu Nha n nc c tiep tuc bao cap thi dfi chinh la ganh na)ng cho chi tiéu cfing De 'I who chon chinh sach céc chiron g trinh cho HSSV vay von: Béi hpc tir nghién ciru dien hinh ci Chfiu A — 20)4 - Zicl erman 23 giai quyét v3n d é: can ph:ii: Bo sung kinh phi bang tang hpc phi hoac phat trién he thong giao dpc dat hpc tu thuc C:i céch déu can c6 ngufin tar trp théng qua h( thong tin dung HSSV de giiii quyét ganh n a)ng ve hpc phi va gliim trp cap tu NSNN 3/ An sinh xa hoi (binh dang/en hoi tiep can cho ngwiri ngh éo) NgLf cii ngheo vii cac doi tnpng chinh siich chinh la doi tupng thléu kinh phi nh:it di h pc d p‘i hpc cao dang, doi m(at voi hiing loat cac chi phi: Hpc phi, sinh hoat ph i chi phi di lai day la cfc doi tupng phai dupc Nha nuéc quan tain, cé› cac chinh siich dai Hau hét h p sinh song tai cite dia ban khé khan trén to:in qucic, la cac dot tupng yéu the xa hoi, vi the can phai tao cc hoi cho hp tiep c(am v fii he thGng giiio duc baj c cao hon de thay do1 nh)I1fl thiic, thay dfii c:ich lao dong san xuat, tao sir binh dang tumag ilGi giiia cac viing m ién ciing nhu giiia cac bo phan, tang lcp dan en xa hoi Tap trung vao day la ciic nguon von uu dai, c6 chinh siich ro r:ing bao gom ca trp cap ve lai suat, thoi gian an han, thoi gian trii np, kh:i nang hoiin tr:i Vi(c cho vay doi véi HSSV khé khan véi nhfmg diéu ki(n uu dai se lam cho dau tn dupc tap trung hon Thay vi trp cap cho nha truéng dé tao méi truéng dao tao, nhfmg HSSV khéng kho khiin ciing se dupc huéng nhfmg trp cap dfi, gay lang phi dau tu, ci day Chinh phfi tao nguon von de nguoi ngheo cé cc hoi tiep can voi nén giiio duc dai hoc va binh dang véi ciic doi tupng khac, it nhat la s é chi phi chi tra cho vi(c hpc tap 4/ D:ip ring nhu can ve nguon nhfin lyc tnung lai Khi nguon von tang lén, thi chuong trinh tin dung HSSV cé the quan tain den cac doi tupng ngoai déi tuqng chinh s:ich nhu hiJn tar Cé the cé nhfmg chirong trinh cho vay doi véi nhiing loai hinh dao tao chat lupng cao, hpc phi cao nh ir: Cfing ngh(, ky thuat cao, vi xu ly nhiing linh vuc xa hoi quan trpng nhu: Béc st, giao vién phuc vu viing sau viing xa; hoac c:ic ng:inh uu tien nhu sinh vién y khoa 5/ Ho trip sinh vién Hi(n nay, miic vén cho vay HSSV méi chi dam bao cho trang tr:ii hpc phi va no trp mot phan chi phi h pc ta)p, sinh hoat cfia HSSV Diéu co nghia la gia dinh van phai ho trp mpt phan quan trpng de dém b:to em cua hp cé the hpc tap binh t huéng Tham chi, cé ci muc hpc phi toi thiéu HSSV (c:i kho khan va binh thu6ng) ciing déu phai déi m)at véi nhfmg ganh na)ng tai chinh déng ké, d(ac biet la voi nh fmg HSSV di hpc xa nha Tang nguon von cho vay de tang mdc cho vay v:i tang so lupng khoiin vay véi nhfmg diéu kien uu dai co the lam giém nh fmg ap luc Hi chinh mé né anh liufi‘ng chinh, diing ké toi vi(c hpc ta( p cua HSSV dong their ciing chinh l é lam giam cac yéu to tiéu cuc téi muc tiéu lau d:ii la nguon nhan luc c6 chat lvpng 24 Ve nguyén tac, cac bien ph:ip tin dung nham gi:inn giinh n a)ng doi vcii cac sinh vién thuoc dien khfi khan thi ciing c6 the tip dung doi voi c:ic HSSV khfing khfi khan, iuy nhién cac diéu ki(n uu d5i c6 the khong c6 hoa)c c mot muc dp hpp l y O day phal lam ro: Tang sp cam két cua HSSV (ve hpc tap va hoan trii) va mang lai su do)c lap ve tai chinh cho HSSV Bc›i l é, HSSV nhat la cac em khfing thuoc di(n khfi khan va duoc huéng lpi qua nhiéu tii nén giiio duc dat hpc se khong c6 dinh hu6ng hoac khfing cam két hpc tap néu khfing ph iii dé›ng hpc phi; Chuong trinh cho vay von HSSV se lain cho vi(c nang va dé›ng hpc phi tro nén kha thi; cué1 cung vi(c tr:i np nén chinh HSSV su dung nguon thu nhap ciia minh de hoiin tr:i von cho ciic khoén tin dung da vay II CAC GIAI PHAP NHAM XA H HGA NG U GN VGN CHUONG TRINH TIN I1¶NG HQC SINH SINH VIEN Ver quyét tain cua Chinh phu la khfing de mot HSSV nao ct› hoén canh khf› khan phai nghi hpc vi thiéu tien d6ng hpc ph1; kéu gpi su déng tain, hpp luc cua cac To chic tin dung, tap doan klnh Ie, I:ii chinh, c:ic Téng cfing ty Nha nnéc va céc doanh nghiep thuoc mpi phan kinh té gép sic tao lap nguon von cho vay quay v6ng doi véi ciic doi tupng HSSV c6 ho:in c nh khfi khan theo Quyét d|nh 157/2007/QD-TTg 27/9/2007 cua Thu tuéng Chinh phii, “ xa hoi hfia nguon von Chuong trinh tin dung déii v‹ii hpc sinh sinh vién” la mot chti truong dung dan cua Chinh phii, viia gram bet g nh na(ng ve ngiin s:ich nha nuéc cho chuong trinh, viia cé du ngufin von thuc hi(n chuong trinh, dong thoi kéu gpi dupc to:in the xa hoi chung tay véi Chinh phii thuc day sit nghi(p giiio duc nuéc nha Véi su ho trp, déng gép ciia phan kinh té xa hoi se gl ilp Gho nhiéu HSSV ciia c:ic ho) ngheo, h gia dinh cé hoan canh kho khan dupe vay von de tiep tuc c6 diéu ki(n hpc tap, g6p phan ph:it trién nen gi:to duc va d:to tao, nang cao chat lupng nguon nhan luc, dap ring yéu cau cfing nghi(p hé›a, hi(n dat hfia ‹fat nuéc va ph:it trién nén kinh Ie tri thuc Qua két quit khiio sat tit phiéu diéu tra doi véi c:ie c:in bo tain c:ic nganh lien quan den chinh siich cho vay HSSV, hau hét déu ung ho vi(c tang nguon vén de cho vay doi voi chuong trinh tin dung néy (92% ring h ); ve cc cau cac nguon vfin de thuc hi(n chuong trinh, nhém chung Hi dna nhfim huy do(ng von chinh va ciing da thu dupc két qua kha quan 25 Bieu trén da the hi(n ‹iupc tinh kha quan va tin tnéng vao vi)c gia tang ngufin vf›n de cho vay tii c:ic nhé›m nguon von, chiém ty trpng la nhém ph:it hénh trai phiéu, huy dong dupc cap bii, huy dong khac Chuong trinh tin dung HSSV la mot nhfmg chuong trinh va trpng n ton ngan s:ich Nha nuéc cap, ngfin hang huy dong tit cong dong dén cu, cong dong doanh nghi(p, ciic to chic Hi chinh, tin dung va nhan my th:ie tu c:ic to chtic, c:i nhan va ngoai nuéc theo phuong chain “nha nuéc, doanh nghi(p va nhan dan ciing tain” Can cii vao chuc nang, nhiem vu va guy dinh ve hoat dong cua NHCSXH ciing véi két qu:i thuc hi(n den ciia NHCSXH v:i két qu:i khao s:it mot so can bo tain cac cc quan ve chinh séch lien quan den chuong trinh tin dung doi voi HSSV De xa hoi hfia duoc ngufin von cho vay HSSV, nhom chung tfi i de xuat can tap trung viio huy dong chti yéu tii kénh vfin nhu sau: (1) C:ic phan kinh Ie, mpi ngucii dan tham gia mua tr:ii phiéu NHCSXH ph:it hanh ducic Chinh phii bao l5nh (2) Cac té chtic tin dung, c:ic to chtic, c:i nhan cho NHCSXH vay von dai han hoa)c tri so du tien giii tar NHCSXH (3) Khuyén khich ciic to chuc, ca nhan va ngoai nuéc tu nguy(n gop von khéng hoén tr:i de tao lap nguon von cho vay doi véi HSSV (4) De ngh| Chinh phti cho phép su dung ngufin tir Quy b:to hiém xa hoi * Cac giai ph:i p xa hoi héa nguon von cho vay HSSV cu the de huy ‹long dmyc nguon von tir kénh von n 6i trén: 1/ Nh6m gi:ii ph:i p thi c hi(n huy dong da dang c:ie nguon von NHCSXH ciing nhu cac ngén hang khac, khfing hoat dong veil mot nguon hu J dong nhat Cac ly chu yéu la: néu chi huy dong ngu fin von nhat thi sé kh fing dép ung du nhu cau von hoat dong cua ngan hiing, ly kh:ic mdc rii i ro khoan rat cao phu thuoc vao ngufin vfin huy dong nhat Hien nay, NHCSXH da th pc hi(n huy dong c:ic ngufin von sau de cho vay HSSV: Huy dong tien gui (gom tien gfii c6 tr:i lai, tien tiét kem ciia nguol nghéo), 26 n Fian tien gut ciia ciic to chuc tin dung Nha nuéc (loat 2%), vay ngufi n ODA (dii in IFAD II), vay NHNN, KBNN, ph:it hanh triii phiéu Nh u vay, so voi nguon von huy dong cua NHCSXH dupc quy dinh hiéu I( hoat dong ciia NHCSXH: NHCSXH cfin chua huy dong ngufi n von: ch Eng chi tien giii va cac giay to c6 gia khiic; vay vfin ttr Biro hiém xa hoi; nhan v é›n ODA Chinh ph ti giao, nhan von tai trp cua ciic to chuc va cii nhan va n poai n uoc Nh u bat cfr mot ngan hang nao kh:ic: thiéu von thi ph iii day m anh huJ• dong vo n, néu ngufin hien cé khfing the huy dong du thi ph:ii mo réng, da d g hfia c:ic nguon von huy dong kh:ic Vi yéu to hi(u qua, vi(c da dang hfia ciic nguon huy dci ng ciin phai tinh den yéu to chi phi nguon von (gom lai suat huy dong, chi phi hny dong, an toan toan, ), co righia l NHCSXH ciing can trucic tiét phai khai th:ic huy dong c:ie nguon von re cé› chi phi dau vao thap de cho vay doi véi chuong trinh HSSV 1.1/ Doi vé4 huy dong nguon n c6 Hi suat thap NHCSXH can tap trung vao c:ic nguon von khiing lai nhu: tien giii tu nguyen khéng l fiy lai, von cho, ta(ng, hoa(c nguon cé lai suat thap nhu: tien tiét ki‹em khfing ky han, tiét kiem ciia cong dong nguoi ngheo, tien gui to:in cua kh.ach hang, ngufin ODA theo chuong trinh, du :in, De huy do(ng ducic nguon von lai suat thap NHCSXH can tap trung cac gini phap cu the: - NHCSXH can tranh thii su ring ho ciia c:ic cc quan, c:ic BQ nganh tai TW va ciic cap uy chinh quyén tai dia phuong Ho trq doi tuqng HSSV vay vfin cfin ph.:i i dupc xa hoi héa, ph:ii dupc xem la nhi(m vu thuimg xuyén cua c:ic cap chinh quyén, doiin the m t tran, cac cc quan, té chtic va c:i nhan Hon nfia, mé hinh cua huy de tranh thu ciic nguon vén tain thcii nhiin rot, chua su dung, von quyén gop, ung ho , tien gfri khfing lay Hi, ciia cac cc quan, to chitc va c:i nhan - De g6p phan thuc hi(n tot muc tiéu nay, NHCSXH can thuc hl(n tot cfing tac tuyén truyén, phfi bién, cung c:ic cap my, chinh quyén va ban nganh doan the d|o phvong nhat la véi Bo Giiio duc dao tao, Bo Lao dong TB&XH ph:it dong, van dong tao phong tr:to sau rong thuéng xuyén de thu hut tien gmt khfing lai hoa)c Hi suat thap nham thuc hi(n cho vay téi c:ic dfii tupng chinh s:ich tar dia phuong - Can thiét day m anh cong tac huy dong ngufin tiét kiem cpng dong ng’ncii nghéo vay von thong qua ciic hinh thuc: tiét ki(m ban dau va tl t?t kiem hang thing - NHCSXH mo rong va da dang hfia moi quan he, hpp tac va ngoai nU FC De co t tl t? can va xuc tien viec van dong, tranh th ii cac nguon téi trp uu dai cua nucic ngoai thi mot céc dleU kien quan trpng la phai lam tot cfing t:ie 27 quang ba hinh anh NHCSXH, mci rong va da dang hfia cac moi quan he doi ngoai, lip Mac quoc Ie - NHCSXH thuc hi(n tot cac chuong trinh, du :in hi(n dang st dung ngufi n von nuoc ngoai NHCSXH m)ac dti la ngan h:ing mé1 th:inh la(p va di vao hoat dong nhung c6 mpt diem thuan ké thiia cac chuong trinh, du én vay vfin ciia NHNg truoc day Diéu cho thay: néu NHCSXH tiep tuc thuc thi th:inh cfing cac du :in da co, se tao diéu ki(n thuan lpi de NHCSXH khang dinh nang lirc v:i kinh nghiem ciia minh, tit d6 c6 diéu ki(n huy dong cac nguon vfin nuéc ngoai mcii de bo sung vao nguon von cho vay HSSV - Chu dpng xay d g ciic chuong trinh, du an cho vay doi vcii HSSV de van dong, thu hut nguon von tai tro La bén nhiin tiii trci (von vay, von nhan uy thac) t hi sq ciai ‹long tror g v iéc xay d ig danli muc can ‹iupc h tro vé dupe cu thé hang c:ic de an, du :in cho vay la rat can thiét de ID d6 xuc tien van dong giéi t hieu va dam ph iin ve v1(c tiep nh a( n von nuéc ngoai Tuy nhién, hi(n tinh chu dong ctia NHCSXH céng tiic nity chua cao, hon niia chua cé du‹ic cac d:inh giii, nghién ctiu tong the khach hang, céc viing khu vuc de xay d g, de xuat cac de tin, phuong :in va)n dong vay vén nuéc ngoai - Dam b:to c:ic yéu cau cua mot so chi tiéu Hi chinh cc biin theo yéu cau cua Hi trp Théng thuéng c:ic té chiic tai chinh quoc té nhu WB, ADB déu d6i héi cac té chiic tin dung vay von cua minh déu ph:ii d:ip ting mot so tiéu chi cc bén Dfi i véi WB, de cé the dupe vay von, cac to chfrc tin dung can d:ip ting mot sé tl t2U Ghi cn ban (Kh:i néng toan; Kh:i nang kho:in; Kh ii nang sinh loi vii tinh hi(u qua; Chat lupng quan ly ciia doi ngii c:in bo) 1.2 / Doi véi cling t:ie huy dgng nguon von theo Hi suat thJ truirng * Huy dong théing qua ph:it hanh tr:ii phiéu, ky phiéu NHCSXH - Day I:i nguon uu tien thuc hi(n mac dii Hi suat huy dong danh nghia thuén g cao hon so véi c:ic loai tien gtii kh:ie la ngufin von cé cac uu diém nhv: NHCSXH c6 the huy dong dupc mot nguén von lém, thoi gian ngan (th‹ii gian ph:it hanh thnéng khfing quit 02 th:ing); NHCSXH cé the su dung in g luéi rong khap hi(n co ciia minh de thuc hi(n huy dpng nham tiét glam chi phi huy dong; Thoi gian st dung nguon von thuéng dai (la thoi gian huy dong), cé› tinh én dinh cao - Mot sé diéu ki(n can thiét doi véi NHCSXH de thirc hi(n huy dong nguon i on n:iy: C6 khau chuan b|, nghién ctiu ky luring: quy mé huy dong, hinh thuc huy dong: ky phiéu hay trai phiéu, hoa)c c:i hat, thoi diem va thoi gian huy dong, phuong thfic phat hanh; To chuc tot cfing tiic tuyén truyén, quiing cao, gioi thi(u y nghla, muc dich phiit hanh téi cfing chung mot ciich rong rat; Tao kha nang c huyé n dfi i cho ky phiéu, trai phiéu NHCSXH thong qua: phat hanh giéy np vo ‹!anh, ky hau chuyén nhupng, cam co the chap tai ngan hang, .; Dam bao muc lai 28 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 vfin 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 th ira 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 th iic 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 hpc 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 ( 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 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; (2) 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; (3) 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 (4) 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 (5) 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 (6) 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 Chlf 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 su ung xa hpi hoa nguon von cho 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 ngufin 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 qu fin 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 h pc 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 ch aong 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 h pc 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 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‹›vernment 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