Đang tải... (xem toàn văn)
TAP CHI KHOA HQC SO 13 69 www htu edu v HOAT DQNG CHO VAY DOI VOI HOC SINH, SINH VIEN TAI NGAN HANG CHINH SACH XA HOI TINH HA TESH THlTC TRANG VA GIAI PHAP Le Thi Tinh Tru&ng Dgi hpc Hd TTnh Email tin[.]
TAP CHI KHOA HQC SO 13 69 www.htu.edu.v HOAT DQNG CHO VAY DOI VOI HOC SINH, SINH VIEN TAI NGAN HANG CHINH SACH XA HOI TINH HA TESH - THlTC TRANG VA GIAI PHAP Le Thi Tinh Tru&ng Dgi hpc Hd TTnh Email: tinh.lethi@htu.edu.vn Ngdy nhgn bai bdo (received): 5/12/2017 Ngdy nhgn bdi sira revised): 20/12/2017 Ngay duyit ddng(accepted): 28/12/2017 Tom tdt Cho vay ddi vdi hgc sinh, sinh vien ed hoan canh khd khan la mdt chii truang ciia Dang va chinh sach ciia Nha nude Hogt ddng cua chuang trinh da mang lgi hieu qua xa hdi thiet thyc cho cd nude ndi chung va cdc hg gia dinh tten dia bdn tinh Hd TTnh ndi rieng Tuy nhien, ben canh nhung qua dat dugc, qud trinh hoat ddng tin dung cho hgc sinh, sinh vien cd hoan canh khd khan cdn khdng it nhiing ban ehi, thdch thiic, lam cho chat lugng, hieu qua sft dung va hieu qud thu hdi cac khodn vay chua cao Bai viet phan tich thuc trgng va tii de xudt cdc gidi phdp nham nang cao hieu qua boat dgng cho vay ddi vdi hgc sinh, sinh vien tai ngdn hang chinh sach xa hgi tinh Ha TTnh Ttf khoa: Ngan hang chinh sach, cho vay, hgc sinh sinh vien, thyc ttang, gidi phdp Lending disadvantaged students in Hatinh social policy bank - actual situation and solution Abstract Lending disadvantaged students is a guideline of Party as well as a policy of State The activity of this program has brought benificial effect for the whole country in general and households in Ha Tinh province in partically Despite obtainted achievement, process of credit for disadvantaged students has also faced many dificulties and challenges Therefore, quality and efficiency ofusingand recovering capital are not high This paper is aim to analize actual situation and then propose solutions to improve efficiency of lending disadvantaged students in Hatinh social policy bank Keywords: social policy bank, lending, student, actual situation, solution ISSN 0866-7594 2018 Joumal of Science, Vol Xlll All nghts reserved www.btu.edu.vn [ A P CHI KHOA HQC SO 13 Sau 10 nam thue hien Quylt dinh 157/2007/QD-TTg eua Thu tudng Chinh phii ngdy 27/9/2007, tinh Hd TTnh da giai quyet cho han 100.000 HSSV dugc vay uu dai vdi s6 vdn dat gdn 2000 ty ddng, tao dieu kien vl tai chinh cho cdc hg gia dinh tten dia ban tinh Ha Tinh vugt kho, cho em din cdc eo sd ddo tao chuyen nghiep theo hgc dl co dugc mdt nghi chuyen mdn kJ thudt lap nghiep Mgc dil cdn gap nhilu thach thiic nhung vdi sy nd lyc phdn ddu, Ngan hang chinh sdch xa hdi (NHCSXH) tinh Ha TTnh da nd lye nghien cim, thyc hidn nhilu bien phap de nang cao hieu qua hoat ddng cho vay ddi vdi hge sinh, sinh vien (HSSV) Thurc trang boat dgng cho vay d6i vdi hge sinh, sinh vien tai Ngdn hang Chinh sach xa hgi tinh Ha ITnh - Du no' cho vay hpc sinh, sinh vien qua cdc ndm Hinh 1: Dir nff cho vay HSSV qua cac nam (Ty ddng) 4000 2994 3000 • r^ • 2000 1000 - •^'^' M • 1 • fSng du ng • 333 Ii237 ^1 9019 9nir^ 1 • Kl'^ Ll3 9014 9niR • DuTigchovayHSa/ 9niR (Ngudn: Bdo cdo tin dmg NHCSXH tinh Hd TTnh ndm 2012-2016) Quy md du ng HSSV cua NHCSXH tinh Hd TTnh gidm lien tijc hi ndm 2012 den nam 2016, ty trgng du ng HSSV hang ndm gidm tir 44,52% -13,49% tdng du na, nguyen nhan la do: HSSV vay vdn tu nhftng nam 2008 - 2009 da din ky han tta ng vay; Chinh phii cd chinh sach uu dai giam Idi tiin vay ddi vdi nhung hd vay vdn trd ng trudc han dd khuyen khich nhieu hd vay tra ng trudc ban; Muc chenh lech giua lai sudt huy ddng von binh quan va lai suat cho vay HSSV ngdy cdng thu h?p; Nhu cdu vay vdn ndm sau giam so vdi nam trudc - Hieu qud xd hpi cua chinh sdch cho vay hpc sinh, sinh vien + Gdp phdn thuc hien muc tieu xda ddi gidm ngheo bin vimg Sau 10 ndm tiiln khai chuang trinh cho vay HSSV, NHCSXH tinh Ha TTnh da giup phdn ldn cac hd gia dinh chinh sdch nhdn thiic diing y nghTa va nhftng tac ddng tieh cue tir chuang trinh cho vay HSSV tdi xda ddi gidm ngheo + Ndng caoy thuc hpc tap ciia HSSV ISSN 0866-7594.2018 Joumal ofScience, Vol, Xlll All nghts reserved TAP CHI KHOA HOC SO 13 www.htu.edu.vn Ngudn vdn ciia chuang trinh cho vay HSSV la ngudn vdn tin dung, ngudi vay phdi su dung vdn vay diing mue dich, phai hoan ttd ca gdc va lai cho NHCSXH sau mdt thdi gian nhat djnh Ngudn tai chmh d l tta ng cho NHCSXH chii ydu tft thu nhdp hang thdng ciia HSSV sau tdt nghiep Y thuc dugc quyen lgi vd nghia vu cua minh vay vdn tu chuang trinh cho vay HSSV ciia NHCSXH, ciing nhu nhdn thuc dugc sy canh tranh vd ca hdi tim kiem viec lam sau tiudng, HSSV vay vdn se quylt tdm ban, y thiic han ttong qua trinh hgc tap - Hiiu qua kinh ti cua chinh sdch cho vay hpc sinh, sinh viin + Khd ndng tir bii ddp chi phi hogt ddng ciia chucmg trinh Bang 1: Mirc chdnh Ifch giira lai suat huy dgng binh qudn vdi mi suat cho vay HSSV (%) Chi tieu 2012 2013 2014 2015 2016 Lai suat huy dong binh quan/nam 11,36 10,88 9,87 5,25 5,75 Lai sudt cho vay HSSV/nam 7,8 7,8 7,8 7,2 6,6 Mile chenh lech giua LSHB va LSCV -3,56 -3,08 -2,07 1,95 0,85 (Ngudn: Bdo cdo tin dung NHCSXH Viet Nam) Muc chenh lech gifta lai sudt huy ddng vdn binh quan vd lai sudt eho vay HSSV da gidm tu miic (-3,56%) nam 2012 din (+0,85%) nam 2016 Nguyen nhan la de giam chi phi cdp bu lai sudt tii NSNN cho NHCSXH, tii 1/8/2011, Thii tudng Chinh phii da quylt dmh tang lai sudt cho vay ddi vdi HSSV tii muc 6%/nam len muc 7,8%/nam, ket hgp vdi xu hudng gidm ddn ciia lai sudt huy ddng vdn tten thi trudng da gdp phan thu hep miie chenh lech giua lai sudt huy ddng vdn binh quan vdi lai sudt cho vay Khi khodng cdch chenh lech am (-) giua mdc Idi sudt huy ddng vd lai suit cho vay ddi vdi HSSV dugc thu hgp da giiip NHCSXH Ha TTnh tilt kiem dugc ehi phi ttiln khai chuong trinh eho vay HSSV, giam dugc chi phi cdp bii Idi sudt tii Ngdn sach Nha nude cho NHCSXH Ha ITnh nen da gop phdn Idm tang hieu qud kmh t l cua chuong trinh cho vay HSSV giai doan 2012-2016 + Nhdm chi lieu phdn dnh hieu qud thu hdi cdc khodn na cho vay hpc sinh, sinh viin bi rui ro Bang 2: Ty le ng qua han va no* cho vay hoc sinh, sinh vien dirgrc xda n a qua cac ndm (ty dong) Chi tiSu !