Hoàn thiện quản lý cho vay dự án giải quyết việc làm tại chi nhánh ngân hàng chính sách xã hội thành phố hà nội

■ TRUONG DAI HOC KINH TE QUOC DAN HO THI• THUY DAI HOC K.T.O.D TT THONG TIN THU’ VIEN PHONG LUANAN-TlUEt I — _ _ HOAN THIEN QUAN LY CHO VAY DC AN GIAi QUYET VIEC lAm TAI CHI NHANH NGAN HANG CHINH SACH XA HOI thAnh PHO hA NOI Chuyen nganh: QUAn lY CONG NGHIEP LUAN VAN THAC SY KINH TE GIAO VIEN HUONG DAN: PGS.TS VU MINH TRAI HA NOI - 2014 ia LCD CAM DOAN caCQlfio Toi cam doan day la cong trinh nghien cun cua rieng toi, cac so r lieu va ket qua nghien cuu neu luan van la trung thurc, dupe cac r > dong tac gia cho phep su dung va chua tirng dupe cong bo mot cong trinh nghien cuu nao Ha Ndi, 18 thang 11 tiam 2014 Tac gia luan van H6 Thi Thuy LOI CAM ON Qua nhung nam thang hoc tap chuong trinh dao tao sau dai hoc, Toi da r duoc trang bi nhung kien there vo cung quy bau, lam hanh trang budc vao cuoc song va qua trinh cong tac, nhan dip hoan quyen luan van Toi xin guri gam A A AN ldi biet on chan den quy Thay, Cd giang vien Truong Dai hoc Kinh te Quoc Dan da tan tinh giang day va huong dan cho Toi nhieu kien thuc quy bau suot thdi gian theo hoc lop Quan tri doanh nghiep, nien khoa 2012-2014 Xin cam on chan den PGS.TS Vu Minh Trai da tan tinh huong dan toi hoan luan van A A AN A Lbi cam on sau sac nhat den Ban Giam Doc, cac dong nghiep tai Ngan hang Chinh sach xa hoi Thanh Ha Noi da tao dieu kien va nhiet tinh giup de toi hoan quyen luan van A A Toi cung xin cam on den cac Giao su Tien si, cac nha nghien cuu da co nhung cong trinh nghien cuu tren linh vuc quan tri doanh nghiep, tin dung chinh sach, da tiep sue cho toi tu lieu de toi hoanh luan van va toi xin hua se van dung nhung kien there vao there tien mot each thiet there nhat Tran Ila Noi, 18 thang 11 nam 2014 Tac gia luan van Ho Thi Thuy YEU CAU CUA HOI • DONG CHAM LUAN • VAN THAC • SI VE Nhung diem can sua chua bo sung trudc nop luan van chinh thuc cho Vien dao tao Sau dai hoc Chu tich Hoi dong (Ky vd ghi rd ho ten) Cam ket cua Hoc vien7 Toi cam doan se chinh sira cac noi dung tren Hoi dong yeu cau Hoc vien PGS.TS Trinrng Doan The (Ky ten) H6 Thi Thuy Trong trubng hop khong chinh sira se khong dirge cong nhan ket qua bao ve Hoc vien phai dong ban yeu cau chinh sira vao trudc phan muc luc luan van chinh thuc nop cho Vien DT SDH BO GIAO DUC VA DAO TAO TRUING DAI HOC KINH TE QUOC DAN CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Tu - Hanh phuc Ha Noi, ngayJ$ thang 11 nam 2014 BAN NHAN XET LUAN VAN THAC SY KINH DOANH VA QUAN LY Hoc vien: Ho Thi Thuy Chuyen nganh: Quan ly cong nghiep Nguoi hudng dan khoa hoc: PGS.TS Vu Minh Trai De tai Hoan thien quart ly cho vay (he an giai quyet viec lam tai chi nhdnh Ngan hang Chinh sdch xa hoi Ha Noi Nguoi nhan xet: TS.Ngo Thi Viet Nga - Dai hoc KTQD r Sau doc ban luan van thac sy,toico mot so nhan xet sau: Ten de tai, tinh cap thiet cua de tai r r r Trong xu the canh tranh va hoi nhap hien nay, cac Ngan hang luon co gang thuc hien va hoan tot muc tieu dat La mot cac ngan hang vien cua Ngan hang Chinh sach xa hoi, Ngan hang CSXH Ha Noi thuc hien cac nhiem vu cua minh, thirc hien cac chuong trinh cho vay tin dung iru dai, co chuong trinh cho vay giai quyet viec lam Chuong trinh da tao viec lam va on dinh cho rat nhieu lao dong, tao str on dinh cuoc dupe nhung du an cho vay giai quyet viec lam thiet thuc nhat, dung nguoi can \ r r r vay, dam bao hieu qua cua dong von cho vay Xuat phat tir thuc te do, viec tac gia lira chon de tai nham hoan thien cong tac quan ly nguon von cac du an cho vay giai quyet viec lam de dat dupe muc tieu voi hieu qua cao nhat Do vay de tai phii hop voi chuyen nganh va co tinh thuc te Noi dung Luan van duoc de cap chuong A "> Chuong 1: Tong quan ve cac cong trinh nghien cuu co lien quan Ve co ban, tac gia de cap 04 luan van thac sy va mot de an cua ngan hang Cac noi dung tong quan da neu dupe nhung diem ma cac cong trinh da lam dupe, va dua dinh huong nghien cuu cua luan van r a Chuang 2: Co1 so Iy luan ve quan ly cho vay du an giai quyet viec lam cua Ngan hang Chinh sach xa hoi r a \ , Chuong tac gia de cap den noi dung chinh ve hoat dong cho vay giai quyet viec lam, quan ly cho vay giai quyet viec lam, cac nhan to anh huong, va kinh nghiem cua mot so ngan hang ve ITnh vuc nay.Ve co ban, tac gia co nhung co sb can thiet co lien quan den de tai nghien cuu Tuy nhien, co mot so diem tham gop sau de chuong dupe hoan thien hon: - Ten chuong dat la co sb ly luan la chua phu hop vbi noi dung cua chuong, khong co ly luan cu the cho cac ngan hang CSXH Vi noi dung / r / a chu yeu la cac van de lien quan den cho vay, quan ly cho vay cua Ngan hang CSXH, nen tac gia nen dat la tong quan/co so cac van de lien quan den - Viec sap xep cac noi dung 2.1 va 2.2 chua hop ly, chua lam noi bat dupe noi dung cua Quan ly cho vay du an giai quyet viec lam cua ngan hang chinh sach xa hoi - Muc 2.1 gop vao 2.1.1 vua neu khai niem va dac diem cua cho vay du an giai quyet viec lam cua ngan hang - Muc 2.2, nen lam ro noi dung cua quan ly cho vay du an giai quyet viec lam tren goc tiep can cua quan tri: lam ro viec xac dinh cac du ancho vay giai quyet viec lam va doi tupng co nhu cau vay, quy trinh cho vay du an, va hoat dong trien khai thuc hien, kiem soat du an Trong khai niem trang tac gia cung da dua each tiep can nhimg noi dung 2.2 lai chua dupe de cap cu the Day chinh la noi dung xuyen suot cua luan van r - Muc cac nhan to anh huong nen xem lai 2.3.2.3, dupe xem nhu la giai phap chu khong phai nhan to anh huong Ten: Hoan thien, the che hoa cac quy trinh nghiep vu, nang cao trinh cho nhan vien Ngan hang / A - Muc 2.4 can rut bai hoc kinh nghiem cho ngan hang CSXH Ha Noi Chirong 3: Thuc trang cong tac quan ly cho vay du an giai quyet viec lam tai chi nhanh ngan hang CSXH Ha Noi Noi dung tac gia phan tich b chuong dupe de cap tren noi dung: gibi thieu r a ve ngan hang, thuc trang quan ly cho vay du an giai quyet viec lam, va danh gia thuc trang Tuy nhien, toi thay sir sap xep ve noi dung cua chuong chua hop ly va chua the hien ro cac hoat dong cua quan ly cho vay du an giai quyet viec lam, cu the nhu sau: - Muc 3.3.1 ve ket qua cho vay nen chuyen len phan phan tich thuc trang quan ly cho vay du an giai quyet viec lam - Muc 3.2 ve phan tich thuc trang nen lam ro: xac dinh cac du ancho vay giai quyet viec lam va doi tupng co nhu cau vay, quy trinh cho vay du an, va hoat dong trien khai thuc hien, kiem soat du an Phan tich cu the tung noi dung tren co so du lieu da co va cac tieu chi danh gia de kiem soat hoat dong quan ly cac du an cho vay giai quyet viec lam - Gpi mb: neu co dieu tra hoi y kien cac doi tupng dupe vay de danh gia r /A va hoan thien thi chat lupng luan van dupe nang len rat nhieu - Phan danh gia qua dan trai, Ian Ion ca phan tich thuc trang vao noi dung A Tac gia can tach cac noi dung mot each ro rang Chuong Tren co sb cac dinh huong, tac gia co dua cac giai phap va kien nghi Cac dinh huong dua van mang tinh ngan han, nen gop lai noi - dung cac dinh huong cua Chinh phu, dinh huong cua Ngan hang, va du dinh tuong lai r \ r \ Cac giai phap tac gia de cap den cac giai phap nhung chua gan nhieu voi - X muc dich cua de tai luan van Giai phap va la cac giai phap co tinh vi r r r \ mo ma Ngan hang lieu co giai quyet dupe: van de hoan thien co che chinh sach? Giai phap 4.3.4, 4.3.5 qua so sai va khong the hien dupe noi dung va - dieu kien thuc hien giai phap Can gia tang noi dung cac giai phap, va dua cac giai phap tu goc - ngan hang Lui md dau, tom tat, ket luan va hinh thuc r \ r - Phan tom tat, nen tom tat theo cac chucmg cu the, khong tom tat gop cac chuong nhu vay r r r r r r - Sap xep lai thu tu cac tu viet tat danh muc cac tu viet tat theo quy dinh cua vien dao tao SDH - Cac loi cham cau, hai cham cac de muc can phai bo ~ x r x x - Bo sung nguon trich dan so do, danh so thu tu so do, trang 48, 49, - Ra soat lai each trinh bay don vi cua cac bang bieu, rat Ion xon, co bang ghi don vi la du an, nhung chi tieu trinh bay lai la doanh thu, ti le %: bang (tr62), bang (tr65), bang (tr67) r x r x - Viet lai phan ket luan vi co mot doan chep lai tu loi md dau - Trinh bay lai tai lieu tham khao theo quy dinh Ket luan - Luan van dupe nghien cuu mot so han che can phai chinh sua cho phu hop nhung ve co ban dap ung dupe tieu chuan cua mot luan van thac sy, vi vaytoide nghi hoi dong xem xet cong nhan hoc vi Thac sy cho hoc vien Ho Thi Thuy sau bao ve cong truoc hoi dong Nguoi nhan xet TS.Ngo Thi Viet Nga Cau hoi: r Noi dung cua quan ly cho vay dir an giai quyet viec lam tai chi nhanh ngan hang CSXH TPHN bao gom nhung noi dung nao? Ngan hang CSXH TPHN da hoan thien co che chinh sach tu chinh phu r den cac bo nganh sao? (theo giai phap ma tac gia dua d 4.3.1) BO GIAO DUC VA BAO TAO TRUONG BAI HOC KINH TE QUOC DAN Cong hoa xa hoi chu nghia Viet Nam Boc lap- Tu do- Hanh phuc Ha Noi, 19 thang 11 nam 2014 BAN NHAN XET LUAN VAN THAC SY • • • Ten de tai luan an: Hoan thien quan ly cho vay du an giai quyet viec lam tai chi nhanh Ngan hang Chinh sach xa hoi Thanh Ha Noi Cao hoc vien: Ho Thi Thuy Chuyen nganh: QUAN TRI DOANH NGHIEP Nguoi nhan xet: PGS TS Nguyen Thu Thuy (Phan bien 2) Don vi cong tac: Truong Dai hoc Ngoai thuong Ve tinh cap thiet va y nghla khoa hoc va thuc tien cua de tai Quan ly du an cho vay khong phai la mot de tai moi, nhung luon la de tai co y nghia thuc tien cao doi voi moi ngan hang tren the gioi, co NH cua VN, dac biet giai doan khung hoang va suy thoai kinh te hien Quan ly cho vay du an giai quyet viec lam la mot chu de cu the hon, thiet thuc hon voi mot ngan hang chinh sach xa hoi De tai luan van co y nghia thuc tien, phu hop voi chuyen nganh dao tao, va khong bi trung lap voi cac luan van ma toi duoc biet, dac biet la ve doi tuong DN duoc nghien cuu ve bo cuc va hinh thuc luan van Bo cuc cua luan van nhin chung can doi, phu hop Cac chuong bo tri dung luong thich hop, bang bieu dung quy dinh Ngoai mot so van ban phap luat, toan bo ly luan o chuong cua luan van khong duoc trich dan gi (theo toi can bo sung) Hinh thuc ve co ban tuan theo dung quy dinh, ngoai tru so loi chinh ta, trinh bay van ban Danh muc tai lieu tham khao: - can lam ro cac duong link bai viet, so lieu, thong tin, co ten tac ,gia, nam cong bo chu khong phai chi co ten mien cua website nao chung chung (ke ca cua Tong cuc Thong ke hay Ngan hang Chinh sach xa hoi) - Cac luan van thac sy: khong phai la tai lieu tham khao chinh thong Ve phuong phap nghien cuu Phuong phap nghien cuu cua luan van kha don gian, chi su dung so lieu thu cap, nhien cung phu hop voi bac nghien cuu trinh thac sy va chu de cua luan van 87 no thi can bo ngan hang phoi hop voi to tiet kiem va vay von tim hieu ro nguyen nhan ho khong tra dupe no va co bien phap cu the doi voi nhung ho Co the cho ho vay them de khac phuc kho khan nhung no cu van phai tra, ket hop voi tu van cho ho each lam an co hieu qua hon 4.2.4 Tang cuong hoat dong quan ly cho vay uy thac thdng qua to chuc chinh tri- xa hoi Thuc te qua 10 nam hoat dong cho thay, phuong-thuc cho vay uy thac thong qua cac to chuc chinh tri - xa hoi da va dang mang lai hieu qua cao De co the nang cao chat lupng cua hoat dong NHCSXH can phai tap trung vao cac linh vuc sau: Thu nhat: De co the trien khai mot each bai ban va co chat lupng cac noi r x dung uy thac, NHCSXH can phai soat lai noi dung van ban da ky ket vdi cac to chuc hoi, chan chinh kip thdi nhung thieu sot Neu can thiet, cd the tien hanh r x r ky ket lai nhung van ban thoa thuan, hop dong da ky truoc Ket thuc nam tai chinh, chi nhanh NHCSXH cap tinh, huyen va to chuc hoi cung cap phai quyet toan cac chi tieu cua nam truoc, rut kinh nghiem va ky phu luc van ban lien tich, hoac hop dong uy thac de chinh sua, bo sung cac chi tieu thuong xuyen bien dong nhu cho vay, thu no, thu lai, muc phi uy thac, so To tiet kiem va vay von Trong qua trinh trien khai cac cong doan cho vay uy thac, can phai phan dinh ro trach nhiem giua can bo ngan hang va to chuc hoi, xac dinh ro tung cong doan quy trinh cho vay va phan cong ro rang cho cac ben tham gia Thu hai: Tang cudng nang luc hoat dong cua To tiet kiem va vay von, Chu du an bang each lua chon cac vien Ban quan ly to phai la ngudi cd nang luc, trinh do, co pham chat dao due dupe nhan dan tin nhiem To trudng To tiet kiem va vay von, chu du an khong nhat thiet phai la ho ngheo vien 88 to bau va bieu quyet theo da so ma co the la mot nhung vien cua to, hoac la vien lanh dao cac chi hoi doan the dung dam nhiem Nhu vay se thuan lpi hon viec chi dao dieu hanh hoat dong trudng hop to dupe lap theo dia ban xa hoac dia ban lion thun, ban Tang cudng cong tac tap huan, dao tao nghiep vu ngan hang cho Ban quan ly to, cu the la: huong dan thu tuc, quy trinh cho vay, cac dieu kien, quy dinh ve cho vay von, cac quy dinh ve cho gia han no, lap ho so xu ly rui ro, kiem tra giam sat ho ngheo sir dung von vay, don doc ho ngheo tra no, tra lai kip thdi r •> r 4.2.5 Lam tot cong tac kiem tra, giam sat theo dinh ky hoac dot xuat Cong tac kiem tra giam sat la noi dung quan khong the thieu dupe doi voi hoat dong quan ly cac du an cho vay GQVL Kip thdi phat hien ton tai, han che qua trinh trien khai thuc hien, chan chinh khac phuc va bo sung cho cong tac quan ly dupc tot hon.Tang cudng cong tac kiem tra, kiem soat theo chuyen de, theo ke hoach kiem tra diem hoac dot xuat de kip thdi phat hien va chan chinh nhung thieu sot quy trinh, thu tuc cho vay Do hien nay, phuong thuc cho vay uy thac qua cac to chuc chinh tri - xa hoi la chu yeu, vi vay neu khong thuc hien cong tac kiem tra, kiem soat chat che va thudng xuyen tinh hinh su dung von vay cua se dan toi tinh trang von vay bi su dung sai muc dich, dan den tham hut nguon von uu dai cua Chinh phu Do dac diem cua hoat dong cho vay GQVL cd doi tupng vay von tap trung rai rac d cac vung nong thon la chu yeu, muc dich su dung von da dang nen cong tac kiem tra, kiem soat rat phuc tap va mat nhieu thdi gian Tuy nhien viec lam la can thiet de dam bao von vay dupc su dung dung muc dich, phat hien nhung sai pham va co bien phap xu ly kip thdi, dong thdi co the tim nhung bat hop ly cua chinh sach tin dung uu dai de dieu chinh cho phu hop Do vay, vao tung dia ban cu the, hay vao muc dich vay von cua tung du an, NHCSXH noi 89 cho vay co phuong phap kiem tra phu hop Tuy nhien phuong phap kiem tra tai ho thong qua lanh dao thon dan dudng mac du mat nhieu thoi gian, so luong kiem tra dupe it nhung hieu qua se rat cao qua cung co ket qua de danh gia viec thuc hien ket qua uy thac, uy nhiem cua Hoi doan the, chu du an Ben canh NHCSXH noi cho vay can phai don doc cac to chuc hoi tich cue tham gia kiem tra von vay, nhac nhd ngudi vay tra no, lai dung han, phat hien va thong bao cho ngan hang biet nhung truong hop su dung von vay sai muc dich de ngan hang cd bien phap xu ly Nang cao vai tro, trach nhiem cua to chuc hoi viec kiem tra von vay, dam bao viec kiem tra phai kip thdi va cd chat luong r f r 4.2.6 Thuc hien tot cong tac tong ket danh gid rut kinh nghiem theo dinh ky Thong qua cong tac tong ket danh gia chuong trinh cho vay cac du an GQVL, Khong nhung Ngan hang CSXH ma cac co quan, nganh cd lien quan duoc cung tham du duoc trao doi, tham gia cac y kien tu rut nhung bai hoc kinh nghiem cho cong tac dupe tot hon Danh gia tong ket ve cho vay du an GQVL dua cac ho gia dinh, cac chu du an la co sd SXKD dien hinh tien # A Ar A tien ve each lam an gioi, dong von cho vay dupe phat huy hieu qua, de lam r guong cho cac vien vay von khac hoc tap, phan dau r r Danh gia tong ket rut kinh nghiem nhan dupe nhieu y kien tham gia dong gop cua cac nganh cac cap, cac co quan quan ly nha nude tham gia thuc hien chuong trinh, y kien cua cac to chuc Hoi doan the thuc hien nhan uy thac cho vay va cac y kien cua ngudi vay von Qua cac y kien tham gia NHCSXH cd due rut kinh nghiem cong tac quan ly, thao go cac kho khan r r r y vudng mac, phat huy tinh tich cue, khac phuc cac han che cdn ton tai, lam cho a r cong tac quan ly dieu hanh va thuc hien cho vay cua NHCSXH khong ngung dupe tot len 90 Tai cac PGD cap quan, huyen Phoi hop voi cac Hoi doan the cap huyen, cap xa nang cao chat lupng cac cuoc hop giao ban tai huyen va cac xa (the hien bao cao va thong bao ket luan cuoc hop) Noi dung cac cuoc hop can danh gia ket qua nhung viec sau: + Ket qua dat dupe cua giai doan so voi chi tieu ke hoach, nhung mat dupe, nhung ton tai han che cung nhu nguyen nhan cua ton tai han che + Phuong hudng, ke hoach trien khai giai doan tiep theo r a r r •> + Giai phap khac phuc ton tai, han che va nang cao chat lupng trien khai giai doan tiep theo va to chuc thuc hien + De xuat kien nghi vdi cac co quan quan ly lien quan 4.2.7 Trien khai cd hieu qua, chat luffng cong tac thong tin tuyen truyen Mot nhung han che khau quan ly von vay GQVL nhu da noi d phan tren chinh la khau thong tin tuyen truyen thieu, yeu tai mot so noi dan den su buong ldng quan ly tai tung mat xich: UBND, Hoi doan the, Ban quan ly To chua hieu va nam bat dupe ro trach nhiem cua cac ben lien quan qua trinh trien khai von tin dung uu dai Chinh vi vay, trien khai cd hieu qua cong tac thong tin, tuyen truyen la mot nhung giai phap quan de nang cao hieu qua quan ly von tin dung chinh sach noi chung va von vay GQVL noi rieng Cac hinh thuc thong tin tuyen truyen cd the ap dung nhu: loa, dai truyen cua xa, phuong, thi tran; bang cong khai chinh sach tin dung uu dai cua NHCSXH; tuyen truyen tai cac cuoc hop cua UBND, Hoi doan the; thong qua cong tac kiem tra, giam sat; tuyen truyen, bien cua NHCSXH truoc cac budi giai ngan Muc dich cua viec tuyen truyen la giup UBND, Hoi doan the, Ban quan ly To, To trudng dan pho/Trudng thon thay dupe vai tro, trach nhiem cua 91 minh, thay dugc nhung gi phai lam, dugc lam, nhung gi khong thuoc pham vi trach nhiem va khong dugc lam qua trinh trien khai von tin dung uu dai; giup ho vay hieu muc dich, y nghTa cua chuong trinh cho vay tu co y thuc, trach nhiem quan he tin dung vdi NHCSXH, tra ng day du, dung han, su dung von dung muc dich va biet noi “khong” voi nhung tieu cue, nhung noi dung khong dugc vi pham nhu: san von, tra them phi, vay ho 4.2.8 Phdi hop voi cac co quan chuyen mon thuc hien huong dan ky thuat san xuat cho cac ho vay Viec hudng dan ky thuat trgt, chan nuoi, san xuat, kinh doanh cho cac ho ngheo vay von la rat can thiet Dieu cho phep cac ho biet dugc ky thuat san xuat cho cd hieu qua cao, khong bi thua Id, hoan lai dugc von dau tu, tir > ' \ r r giup cho nguon von cua ngan hang it gap rui ro hon, nguon von khong bi that thoat Viec hudng dan ky thuat, giup ho san xuat kinh doanh thuan lgi vuon len thoat ngheo cung co nghia la von cua ngan hang da phat huy dugc hieu qua xa hoi Tuy nhien hoat dong hudng dan cua NHCSXH Viet Nam hien gan nhu khong cd, viec hudng dan hoan toan cac co quan chuyen mon, cac chuong trinh khuyen nong, khuyen lam, UBND cac huyen thuc hien, hoac cac ho tu hgc hoi tir cac nguon khac nhau, hoac chi hgc hoi thong qua cac budi trao ddi kinh nghiem to Dieu lam cho ngan hang khong biet dugc hoat dong hudng dan dang dien nhu the nao, khong the ban luan dugc vdi cac co quan chuyen mon ve viec nen hudng dan nhung ky thuat gi cho phii hgp vdi muc dich san xuat kinh doanh cua cac ho vay von tir ngan hang, dieu cd the dan den co nhung ky thuat phuc vu cho cac ho vay von tai ngan hang khong dugc hudng dan cu the Nhung ho ngheo vay von GQVL cung thudng la nhung ho thieu kinh nghiem lam an nen viec hudng dan ky thuat cho cac ho vay von la 92 quan hon ca Hien Ngan hang chua co dieu kien de co nhung can bo huong ky thuat, vi vay Ngan hang can tich cue phoi hop chat che vbi cac co quan chuyen mon, vbi Sb nong nghiep huyen, vbi cac chuong trinh khuyen nong, khuyen lam de hubng dan ky thuat cho cac ho vay von theo dung nhu cau va muc dich sir dung von cua cac ho Ben canh viec hubng dan ky thuat san xuat kinh doanh cung can gibi thieu cac tien bo khoa hoc ky thuat mbi de ngubi dan dupe biet va co the ap dung vao san xuat kinh doanh Can tri thuong xuyen cac bubi hop trao doi kinh nghiem cac to tiet kiem va vay von de cac vien hoc hoi lan nhau, rut nhung bai hoc kinh nghiem san xuat kinh doanh 4.2.9 Nang cao chat luong ngudn nhan luc cho NHCSXH Thanh phd Ha Noi Co the noi, nen kinh te thi trubng nguon nhan luc luon la nhan to quyet r ' dinh de gianh thang loi canh tranh Vbi he thong NHCSXH, hoat dong mang tinh dac thu, khung vo muc tieu loi nhuan nen yeu to canh tranh thi trubng co ve khong dupe de cao Tuy nhien, doi tupng khach hang muc tieu cua NHCSXH la ho ngheo va cac doi tupng chinh sach khac, phan lbn ho deu la nhung ngubi thieu kien thuc va kinh nghiem hoat dong san xuat kinh doanh nen de von vay phat huy dupe hieu qua thi doi hoi cac can bo nhan vien cua NHCSXH phai co trinh cao, khong chi ve kien thuc chuyen mon nghiep vu ma phai co ca kien thuc kinh te tong hop De thuc hien tot nhiem vu chinh tri ma Dang va Nha nubc giao, NHCSXH can phai xay dung mot dpi ngu can bo du ve so lupng va dam bao ve chat lupng r r Muon vay, di doi vbi viec tang so lupng can bo nhan vien thi NHCSXH cung can phai chu den chat lupng cua dpi ngu can bo Can chu y nang cao nang luc chuyen mon va trinh kinh te tong hop cho can bo ngan hang Cach thuc chu yeu van la tuyen dung cac can bo dupe dao tao cac trubng kinh te 93 ky thuat sau to chuc cac lop boi duong ve chuyen mon tai chinh ngan hang tai cac truong dai hoc, hoac cung co the cu can bo cua ngan hang tham gia cdc khoo dao tao ve kien thuc kinh te cac nganh lien quan Ngoai ra, viec dao tao phat trien nguon nhan luc can duoc tien hanh theo hudng tap trung va chuyen sau theo tung loai hinh dich vu Muon vay phai xac dinh duoc cac chuc danh cu the cho tung vi tri chuyen mon, kinh nghiem cong tac cho tung vi tri cu the Co che tien luong, dong luc cong tac phat trien nguomnhan luc cung phai duoc xay dung theo hudng : tra luong theo so luong va chat luong cong viec hoan thay cho viec tra luong theo ngach bac nhu hien Doi vdi cac dia ban mien nui, vung sau, vung xa can ap dung hinh thuc dao tao tai cho de co the khai thac va su dung nguon nhan luc tai dia phuong Xay dung quy trinh tuyen can bo, qui trinh danh gia xep loai lao dong theo chat luong cong viec de tu gan vdi dao tao, bo tri can bo phu hop cac Sa, Nganh, cac to chuc chinh 4.2.10 Xay diyng qui che phoi ket hop \ r tri - xa hoi, Chinh quyen dia phuang cac cap De dat duoc hieu qua cao thi NHCSXH can xay dung quy che phoi ket hop giua cac cap, cac nganh, to chuc chinh tri - xa hoi, xac dinh trach nhiem cu the tung vien, tung cap tao co hoi quan ly giam sat, nang cao tinh tu chu, doc lap sang tao hudng tdi muc tieu nang cao so luong va chat luong hoat dong cua cac vien Tiep tuc nghien cuu, chinh sua bo sung ban hanh mdi de hoan thien he thong quy pham phap luat, tao hanh lang phap ly dua hoat dong cua NHCSXH di vao ne nep, co ky cuong, ky luat, ngan chan tu dau te nhung nhieu, lang phi tai san cua Nha nudc Xuc tien nghien cuu cac dinh che tai chinh doi vdi cac To tiet kiem va vay von nham cung co suc manh, hoat dong co hieu qua, dung chinh sach, phap luat 94 4.3 CAC KIEN NGHI 4.3.1 Ddi voi Chinh phu va cac co'quan thuc hien chuffng trinh d Trung uong - Chinh phu ciin co thay doi bo sung Quyet dinh so 71/2005/QD-TTg ve r tang them muc cho vay cua mot du an cho vay GQVL, va muc cho vay doi voi ho gia dinh Hien quyet dinh cua Thu tuong Chinh phu dang quy dinh muc 500 trieu dong mot du an va 20 trieu dong cho mot ho vay - Chinh phu can bo sung co che nguon von chovay, nhat la nguon von cho vay ddi vdi cac khu vuc thi, cac ldn, ty le va so luong ngudi thieu viec lam va that nghiep cao va dang co xu hudng cang gia tang -Ngoai Chinh phu cung can thay doi co che lai suat cho vay phu hop vdi tung thdi ky theo bien dong ve lai suat tren thi trudng va ap dung muc lai < ' > a r suat cho vay giai quyet viec lam nam khoang “ thap hon lai suat cho vay tai Ngan hang thuong mai nhung cao hon lai suat cho vay chuong trinh ho ngheo” - Cac co quan thuc hien chuong trinh d Trung uong gom cac Bo Lao dong TBXH, Bo Tai Chinh, Bo Ke hoach va Dau tu, nghien cuu cac co che chinh sach de tham muu cho Thu tuong Chinh phu ve co che quan ly ve lao dong, viec lam, cong tac quan ly Quy quoc gia GQVL, cu the nhu: + Ve viec thong ke va quan ly tinh trang lao dong tai cac dia phuong de cd nguon so lieu chinh xac ve lao dong tren dia ban, hang nam dieu tra va bo sung du lieu thong ke, ap dung cong nghe thong tin vao quan ly du lieu lao dong + Ddi vdi thdi gian tham dinh va trinh phe duyet cac du an cho vay GQVL can phai rut ngan lai khong de thdi gian dai qua buoc moi buoc 15 ngay, lam cho thdi gian giai quyet cho vay keo dai den 30 moi nhan duoc tien vay, anh huong den quyen lpi cua ngudi vay, de lam cho phat sinh tieu cue + Cac bo nganh Trung uong can xay dung co che kiem tra giam sat viec thuc 95 hien chuong trinh, vi NHCSXH la co quan thuc hien, von cho vay la cua Chinh phu vi vay phai co co che kiem tra giam sat cua co quan quan ly nha nuoc r phuffng cac cap r XX - UBND Ha Noi va cac quan, huyen, thi xa can co dieu tra thong ke tinh hinh thieu viec lam va nhu cau von can bo sung cho vay de xay dung cac de an ve giai quyet viec lam, dong thbi pham vi ket du Ngan sach dia phuong de chuyen von uy thac sang NHCSXH tren dia ban cho vay - Thuc hien phe duyet cac du an cho vay theo tham quyen, nhung dong thbi cung phai tu choi phe duyet cac du an neu NHCSXH sau trinh du an cho vay GQVL khong dam bao dung dan, khong dam bao ve tao them viec lam cho ngubi lao dong thi UBND phai co van ban tu choi viec phe duyet du an cho vay - Cac sb, nganh cua pho, co quan tham muu vdi UBND thuc hien chuong trinh giai quyet viec lam, thubng xuyen theo doi, nghien cuu tinh hinh that nghiep va viec lam tren dia ban de phoi hup vdi NHCSXH tham muu UBND ve co che chinh sach tao viec lam cho ngubi lao dong theo cac chucmg trinh cho vay bang von cua Ngan sach pho, va cac doi tuong cu the ap dung - Chinh quyen dia phuong cap xa, phuong phoi hop vdi NHCSXH viec xac nhan doi tupng cho vay, xac nhan noi cu tru cua ho vay, noi thuc hien du an GQVL tren dia ban xa, phuong 4.3.3 Doi vffi cac to chuc chinh tri vu • xa hoi • nhan • dich • • uv thac - Co chuong trinh kiem tra, giam sat doi vdi cac to chuc chinh tri- xa hoi cap co so viec thuc hien hop dong dich vu uy thac Lam tot hon nua cong tac dao tao nghe nghiep; phuong thuc long ghep cac chuong trinh kinh te, van 96 hoa xa hoi voi chuong trinh tin dung; to chuc tong hop thong tin nganh doc, so phap chi dao du manh, giao due, ran de nhung viec lam cd y xam tieu von tin dung dam bao von vay dupe su dung dung muc dich 4.3.4 Ddi vdiNgan hang Chinh sach xa hoi Trung uffng - NHCSXH Trung uong la co quan cao nhat thuc hien viec hudng dan cac quy trinh thu tuc cho vay de ap dung thong nhat toan he thong phai thuc hien tot cong tac soan thao van ban, dam bao van ban dupe chinh xac, de ap dung, de thuc hien, it phai dieu chinh bo sung de van ban co tinh on dinh cao, cap co so de thuc hien - La co quan cao nhat cua nganh co kha kien nghi ve chu truong chinh sach, ve co che cho vay voi cac Bo, nganh va Chinh phu phai thuong xuyen nghien cuu tinh hinh thuc hien cua nganh ve nhung van de chua hop ly de kien nghi chinh sua khac phuc kip thdi Ra soat va he thong hoa lai cac van ban nghiep vu - Thuc hien tot cong tac kiem tra giam sat doi vdi toan nganh, cong tac danh gia tong ket hang nam To chuc cac cuoc Hoi thao vdi cac Bo nganh Trung uong ve thuc hien cac chuong trinh muc tieu cua Chinh phu cd chuong trinh GQVL Muc tieu cuoi cung cua tat ca cac giai phap va kien nghi la de hoan thien them cong tac quan ly cho vay cac du an GQVL cua NHCSXH Ha Noi, de chuong trinh cho vay du an GQVL cang dupe phat trien, phat huy dupe hieu qua va muc tieu cua chuong trinh da de Tu do, nham giam ty le that nghiep, nang cao thu nhap va ddi song dan cu, giam doi ngheo va bat binh dang gop phan phat trien kinh te xa hoi dieu kien mdi hien nay./ 97 KET LUAN Ke tu di vao hoat dong, NHCSXH chi nhanh Thanh Ha Noi da thuc hien cho vay uu dai toi nhieu ho co hoan canh khan, thieu von san xuat kinh doanh tren dia ban thu do, hoat dong cho vay giai quyet viec lam cua ngan hang cang duoc mb rong, hieu qua hoat dong cua ngan hang cung cang tang len Tuy nhien, hieu qua cua hoat dong cho vay giai quyet viec lam cua NHCSXH chi nhanh Thanh Ha Noi van chua cao, va cung vbi su phat trien cua nen kinh te, nhu cau vay cua ho cang tang len, ddi hoi ngan hang phai tim cac giai phap de day manh hoat dong cho vay giai quyet viec lam, nang cao dupc hieu qua cua hoat cho vay Viec nang cao dupc hieu qua cua hoat dong cho vay giai quyet viec lam cung dong nghia vdi viec tung buoc thuc hien cong cong cuoc giam ngheo doi va that nghiep b thu Vdi muc tieu de tai da he thong hoa co sd ly luan ve cho vay giai quyet viec lam Nhung co sd ly luan cho phep ngubi viet co nhung hieu biet co ban ve hoat dong cho vay giai quyet viec lam de phuc vu cho viec nghien cuu thuc trang hoat dong cho vay cua NHCSXH phan tiep theo Trong phan danh gia thuc trang tac gia da xem xet den kho khan thuan lpi hoat dong cho vay giai quyet viec lam cua NHCSXH chi nhanh Thanh Ha Noi cung nhu quy trinh cho vay von Giai quyet viec lam Tac gia cung nghien cuu hoat dong cho vay giai quyet viec lam tai NHCSXH chi nhanh Thanh Ha Noi thong qua cac chi tieu du no, thu hoi no, no qua han va nguyen nhan tir danh gia tinh trang quan ly hoat dong cho vay giai quyet viec lam, rut nhung cai dat dupc, nhung mat ton tai va nguyen nhan cua no Tu viec danh gia thuc trang hoat dong tin dung cua NHCSXH chi nhanh Thanh Ha Noi, tac gia da co co 98 so de dua mot so giai phap, va kien nghi nham nang cao hieu qua hoat dong cua ngan hang Tuy nhien han che ve mat thoi gian va nhan thuc nen luan van nhi£u thieu sot, chua dat dupe ket qua nhu mong muon Hy vong thoi gian toi, de tai tiep tuc dupe nghien cuu, hoan thien, gop phan giup cang tang cudng dupe cong tac quan ly cho vay giai quyet viec lam Tac gia xin chan cam on su giup va" huong dan tan tinh cua Pho Giao su - Tien sy Vu Minh Trai, cac thay co giao va ban be, dong nghiep da giup tac gia hoan luan van DANH MUC TAI LIEU THAM KHAO Le Thanh Binh (2008), Hoan thien cong tac quan tri cho vay cac du an giai quyet viec lam cua NHCSXH Thanh Ha Noi, Luan van thac sy, Dai hoc giao thong Lien Bo Lao dong- Thucrng binh va Xa hoi, Bo tai chinh, Bo ke hoach va dau tu (2005), Thong tu so 14/2008/TTLT-BLDDTBXH-BTC-BKHDT 29/7/2008 hudng dan mot sd dieu cua quyet dinh so 71/2005/QD-TTg 5/4/2005 Ban thuong vu Trung uong Dang cong san Viet Nam (2011), Nghi quyet r \ r Dai hoi Dang toan quoc Ian thuXI, NXB Chinh tri quoc gia, HaNoi Chinh phu (2002), Nghi dinh so 78/ND-CP 4/10/2002 ve tin dung ddi r vai ngudi ngheo va cac ddi tuong chinh sach khac Nguyen Thi Khuong (2008), Md rong cho vay Giai quyet viec lam cua Ngan hang Chinh sach xa hoi, Luan van thac sy, Dai hoc giao thong Khuong Thi Tuyet Minh (2007), Nang cao chat luong tin dung doi vdi ho ngheo tai Ngan hang Chinh sach xa hoi Viet Nam, Luan van thac sy kinh te,Dai hoc Kinh te quoc dan Luu Thi Bao Nga (2008), Nang cao chat luong cho vay giai quyet viec lam tai Ngan hang Chinh sach xa hoi Viet Nam, Luan van thac sy kinh te,Dai hoc Kinh te quoc dan Ngan hang Chinh sach xa hoi Viet Nam (2008), Van ban 2539/NHCS-TD vehudng dan quy trinh thu tuc cho vay giai quyet viec lam cua Quy quoc gia ve viec lam Ngan hang Chinh sach xa hoi Viet Nam (2008), Van ban 2812/NHCS-TD vebo sung, sua doi mot sd diem ve nghiep vu cho vay giai quyet viec lam 10 Ngan hang Chinh sach xa hoi Thanh Ha Noi (2013), Bao cao tong ket 10 nam hoat dong cua Ngan hang Chinh sach xa hoi Ha Noi 11 Ngan hang Chinh sach xa hoi Ha Noi (2013), De an nghien ciru Nang cao chat lupng tin dung tai Ngan hang chinh sach xa hoi Thanh Ha Noi 12 Ngan hang Chinh sach xa hoi Ha Noi, Bao cao thuong nien 2009, 2010, 2011, 2012, 2013 13 Le Kim Phung 2013 Nang cao chat lupng tin dung bang cac bienphap cu the [True tuyen] Ngan hang chinh sach xa hoi Dia chi: vbsp.org.vn.[Truy cap: 20/5/2014], 14 Dinh Thi Nga Phuong 2011 Phap luat lao dong ve viec lam va giai quyet viec lam o Viet Nam thoi ky hoi nhap [True tuyen] Dia chi:www.dl.vnu.edu.vn/bitstream/l 1126/512/1/00050001023.pdf.[Truy cap: 20/5/2014], 15 Thu tuong Chinh phu (2005), Quyet dinh so 71/2005/QD-TTg ve co che quan ly, dieu hanh von cho vay cua Quy qudc gia ve viec lam 16 Thu tuong Chinh phu (2008), Quyet dinh so 15/2008/QD-TTg ve sua doi bo sung mot so dieu cua quyet dinh so 71/2005/QD- TTg 17 Thu tuong Chinh phu (2012), Quyet dinh so 1201/QD-TTg ve phe duyet chuong trinh muc tieu qudc gia Viec lam va day nghe giai doan 20122015 18 Thu tuong Chinh phu (2012), Quyet dinh so 852/QD-TTg ve phe duyet r chien lupc phat trien Ngan hang Chinh sach xa hoi giai doan 2011-2020 19 Trung tarn nghien cuu khoa hoc 2013 Chinh sach viec lam- thuc trang va giai phap [True tuyen] Vien nghien cuu Luat phap Dia chi: vnclp.gov.vn/uploaded/ /2c48d3a2-eaee-4b03-bl7c9f6092da564e.doc.[Truy cap: 20/5/2014] 20 Uy ban nhan dan Ha Noi (2009), Quyet dinh sd 86/2009/QD\ r UBND ve viec ban hanh quy che quan ly va su dung nguon von cho vay cua x < Quy giai quyet viec lam Thanh uy thac Qua chi nhanh Ngan hang Chinh sach xa hoi Thanh Ha Noi 21 Uy ban nhan dan Ha Noi (2010), Quydt dinh sd 3510/QD-UBND phe duyet chuomg trinh giai quyet viec lam Ha Noi giai doan 2011-2015