Hoàn thiện cơ chế tín dụng đối với hộ nông dân của ngân hàng nông nghiệp và phát triển nông thôn việt nam (lấy ví dụ ở tỉnh nam định)

BO GIAO DUG VA DAO TAO ■ ■ ■ TRUONG DAI HOC KINH TE QUOC DAN - O DAI HQC KTQD TT THONG TIN THifVIEN PHONG LUAN AN - TV LIEU NGUYEN THI THU HUYEN HOAN THIEN CO CHE TIN DUNG DOI Vffl HO NONG DAN CUA NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON VIET NAM (LAY VI DU Of TiNH NAM DINH) CHUYfiN NGANH: KINH tE CHfNH TRI LUAN • VAN THAC • SY KINH TE 7M Ngtftii hurting dan khoa hoc: PGS.TS DANG VAN THANG HA NOI-2011 MUC LUC • • DANH MUC CAC Tlf VIET TAT DANH MUC SO DO PHAN M() DAU Chuong 1: CO SCI LY LUAN VA KINH NGHIEM THIJC TIEN VE HOAN THIEN CO CHE TIN DUNG DOI VOI HO NONG DAN CUA NGAN HANG NONG NGHIEP & PHAT TRIEN NONG THON VIET NAM 1.1 Nhuug van de co* ban ve tin dung va co' che tin dung cua ngan hang thirong mai 1.1.1 Ngan hang thuong mai: Khai niem, chirc ndng 1.1.2 Tin dung cua ngan hang thuong mai 1.1.3 Co che tin dung cua ngan hang thuong mai: 1.2.1 Dae diem tin dung doi vdi ho ndng dan 15 1.2.2 Su can thiet phdi hoan thien co che tin dung doi vdi ho nong dan cua Ngan hang Nong nghiep va Phat trien nong thon VN 17 1.2.3 Noi dung hoan thien co che tin dung doi vdi ho nong dan cua Ngan hang Nong nghiep va Phat trien ndng thon VN 20 1.2.4 Nhung nhan to anh hudng den hoan thien co che tin dung doi vdi ho nong dan cua Ngan hang Ndng nghiep va Phat trien ndng thon VN 31 1.3 Kinh nghiem hoan thien co* che tin dung doi vdi ho nong dan cua cua Ngan hang thiroug mai o' mot so nuw: tren the gioi 38 1.3.1 Tong quan kinh nghiem cua mot so nude 38 1.3.2 Nhung bai hoc kinh nghiem rut cho Viet Nam 41 Chuong 2: THIJC TRANG CO CHE TIN DUNG DOI VOI HO NONG DAN CUA NGAN HANG N6NG NGHIEP VA PHAT TRIEN NONG THON VIET NAM TREN DIA 43 • BAN TiNH NAM DINH • 2.1 Khai quat chung ve dieu kien tir nhien, kinh te - xa hoi va tinh hinh kinh te ho ndng dan tren dia ban tinh Nam Dinh 43 2.1.1 Didu kien tu nhien, kinh te - xa hoi tinh Nam Dinh anh hudng den kinh te ho ndng dan 43 2.1.2 Tinh hinh kinh te ho ndng dan va nhu cau von cua ho ndng dan tren dia 51 • ban tinh Nam Dinh • 2.2 Tong quan ve thyc trang co* che tin dung doi vdi ho ndng dan cua Ngan hang Ndng nghiep va Phat trien ndng thon VN tren dia ban tinh Nam Djnh 53 2.2.1 Bo may to chirc 53 2.2.2 Quy dinh va nguyen tac tin dung 56 2.2.3 Hinh thirc tin dung .57 2.2.4 Quy trinh, thu tuc cho vay ho ndng dan .59 2.2.5 Cong tac kiem tra, giam sat va xu ly vdn vay 61 • • a r r r r r 2.3 Danh gia chung ve thuc trang co che tin dung doi voi ho nong dan cua Ngan hang Nong nghiep va Phat trien nong thon VN tren dia ban tinh Nam Dinh 66 2.3.1 Thanh tuu 66 2.3.2 Han che, nguyen nhan cua han che va bai hoc rut 68 Chuong 3: PHUONG HUONG VA GIAI PHAP HOAN THIEN CO CHE TIN DUNG DOI VOI HO NONG DAN CUA NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON VIET NAM 73 3.1 Nhirng can cu cho viec de xuat phuong hirong va giai phap hoan thien co' che tin dung doi voi ho ndng dan cua Ngan hang ndng nghiep va phat trien nong thon VN 73 3.1.1 Chien luffc quoc gia ve giai quyet cac van de ndng nghiep, ndng dan va ndng thon 73 3.1.2 Chien hrtrc phat trien cua Ngan hang ndng nghiep va phat trien ndng thon VN 79 3.2 Phuong hirong hoan thien co* che tin dung doi voi ho nong dan cua Ngan hang nong nghiep va phat trien nong thon VN 81 3.2.1 Hoan thien cor che tin dung doi voi ho ndng dan nham thuc day san xuat ndng nghiep phat trien theo hirorng kinh te hang hoa 81 3.2.2 Hoan thien cor che tin dung cua Ngan hang Ndng nghiep va Phat trien Ndng thon doi voi ho ndng dan theo hirong mor rong tin dung gan voi ndng cao chat hrffng tin dung dong thdi phat trien kinh te ho 82 3.2.3 Hoan thien cor che tin dung doi voi ho ndng dan cua Ngan hang Ndng nghiep va Phat trien Ndng thon theo hurdmg da dang hoa cac hlnh thirc tin dung 85 3.2.4 Tang cirorng vai tro Nha nirorc quan he tin dung gifra Ngan hang ndng nghiep va phat trien ndng thon voi ho ndng dan 87 3.3 Cac giai phap co1 ban nham hoan thien co* che tin dung doi voi ho nong dan cua Ngan hang ndng nghiep va phat trien ndng thon VN 89 3.3.1 Hoan thien bo may to chirc 89 33.2 Hoan thien nhirng quy dinh va nguyen tdc tin dung doi voi ho ndng dan 91 3.3.3 Mor rong cac hlnh thirc tin dung 91 3.3.4 Hoan thien ve quy trlnh, thu tuc tin dung 93 3.3.5 Hoan thien cong tac kiem tra giam sat tin dung de han che rui ro cho Ngan hang 96 3.3.6 Hoan thien chinh such huy dong von de tang nguon von dau tie cho phat trien kinh te ndng nghiep ndng thon, ndng dan 96 33.7Hoan thien ve cac dich vu khac cua ngan hang doi voi ho ndng dan 98 3.3.8.Phat trien thi trirtrng bdo hiem ndng nghiep 99 KET LUAN 101 DANH MUC TAI LIEU THAM KHAO r r r r r r \ DANH MUC • CAC TU’ VIET TAT TCTD To chuc tin dung NHNN Ngan hang nha nuoc NHTM Ngan hang thuong mai NHNO &PTNT VN HDQT Ngan hang nong nghiep va phat trien nong thon Viet Nam A Hoi dong quan tri HDTD Hop dong tin dung TSDB Tai san dam bao TDNH Tin dung Ngan hang TVV To vay von KT-XH FDI Kinh te- xa hoi r Dau tu true tiep nuoc ngoai (Foreign Direct Investment) GDP Tong san pham quoc noi (Gross Domestic Product) HND Hoi nong dan CNH- HDH Cong nghiep hoa- hien dai hoa LHPN Lien Hiep phu nu USD Dong Do la My (United States Dollar) EUR Dong tien cua lien minh Chau au WTO To chuc Thuong mai The gioi (World Trade Organization) a DANH MUC BANG • Bang 2.1: Tong von dau tu toan xa hoi cua tinh Nam Dinh giai doan 2001-2010 46 Bang 2.2: Cac chi tieu tong hop tinh hinh KT-XH tinh Nam Dinh 2006-2010 47 Bang 2.3: Du bao huy dong von dau tu 50 Bang 2.4: Du bao bao cor cau voi dau tu theo nganh va lanh tho 50 Bang 2.5: Ve hoat dong huy dong von (2006 - 2010) 62 Bang 2.6: Tinh hinh du no( 2006-2010) .64 Bang 2.7: Ket qua hoat dong kinh doanh ngoai te 64 Bang 2.8 Tinh hinh thu nhap tu hoat dong tin dung 65 DANH MUC SO DO So 1.1: Hinh thuc tin dung song phuong 24 So 1.2: Hinh thuc qua to chuc bao tieu 24 So 1.3: Hinh thuc tin dung cho vay qua to 25 So 1.4: Quy trinh tin dung 27 BO GIAO DUC VA DAO TAO TRUONG DAI HOC KINH TE QUOC DAN - O SO* NGUYEN THI THU HUYEN HOAN THIEN CO CHE TIN DUNG DOI VOl HO NONG DAN CUA NGAN HANG NONG NGHIEP VA PHAT THIEN NONG THON VIET NAM ■ ■ (LAY VIDUOTINH NAM DINH) CHUYfiN NGANH: KINH if CHINH TRI TOM TAT LUAN VAN THAC SY HA NOI-2011 MO DAU Nong nghiep, nong thon dong vai tro het sue quan doi vdi qua trinh phat trien cua Viet nam Trong nhirng nam gan day, chinh sach tin dung doi vdi ho nong dan cua he thong Ngan hang noi chung va NHNO & PTNT VN noi rieng da dat dune nhieu ket qua quan trong, co che cang hoan thien hon, thu tuc vay von cang thong thoang, don gian de ngudi ndng dan tiep can vdi dong von /w a r \ yr de dang hon nhien edn cd nhieu van de sinh nhieu bat cap ca tir phia ngudi r r r cho vay va ngudi di vay nhu: doi tuqng vay, muc von vay, lai suat, rui ro tin dung, th di han cho vay han che va chua phu hop vdi tirng doi tuqng, tirng muc dich; hieu qua su dung von vay thap Vi vay, nhirng ket qua dat duqc chua tuong xung vdi nguon luc bo ra, tac dong cua von tin dung doi vdi ho ndng dan dung phu hop vdi tinh hinh mdi Luan van dua vao co sd ly luan ve tin dung ngan hang noi chung va NHNo& PTNT Viet Nam noi rieng de tap trung phan tich, danh gia tinh hinh thuc hien co che tin dung doi vdi ho ndng dan cua NHNo&PTNT tinh Nam Dinh, nhung tuu, r r r han che va nguyen nhan cua nhung han che Trong nghien cuu cd sir ket hop gitra ly luan vdi thuc tien, bam sat chu truong, chinh sach cua Dang va Nha nude dong thdi tham khao kinh nghiem cua mot sd dia phuong ca nude nham rut nhung bai hoc kinh nghiem, tir dua phuong hudng va giai phap hoan thien co che tin dung doi vdi ho ndng dan cua NHNo&PTNT VN gop phan phat trien kinh te ndng nghiep, ndng thon dap ung muc tieu phat trien kinh te- xa hoi cua Dang, Nha nude Tir ly va muc tieu tren tac gia da chon de tai: “ Hoan thien cor che tin r dung doi vdi ho ndng dan cua Ngan hang Ndng nghiep & Phat trien ndng thon Viet Nam (Lay vi du or tinh Nam Dinh)” lam luan van tot nghiep khoa hoc ii Chuong 1: Co so* ly luan va kinh nghiem thuc tien ve hoan thien co* che tin dung doi vdi ho ndng dan cua NHNO&PTNT Viet Nam r > > r 7.7 Nhirng van de co ban ve tin dung va co che tin dung cua ngan hang thuong mai Ngan hang thuong mai la loai hinh ngan hang dune thuc hien tat ca cac hoat dong ngan hang va cac hoat dong kinh doanh khac theo quy dinh nham muc tieu lpi nhuan Chuc nang NHTM bao gom: Chuc nang trung gian tin dung, chuc nang trung gian toan, chuc nang tao tien Tin dung la mot pham tru kinh te cua nen kinh te hang hoa, no phan anh quan r r \ he kinh te giua ngudi so huu va ngudi su dung cac nguon von tien te tarn thoi nhan a roi nen kinh te theo nguyen tac hoan tra von va kern theo loi tuc den han A A Co nhieu hinh thuc tin dung, nhung dieu kien hien d nude ta, tin dung r ngan hang la hinh thuc bien va dupe ap dung rong rai Tin dung ngan hang la viec ngan hang thoa thuan de khach hang su dung mot tai san (bang tien, tai san thuc hay uy tin) vdi nguyen tac co hoan tra bang cac nghiep vu cho vay, chiet khau (tai chiet khau), cho thue tai chinh, bao lanh ngan hang va cac nghiep vu khac Day cung la hinh thuc tin dung bien nham dap ung nhu cau cua kinh te ho Tin dung ngan hang thuong mai la ngan hang va cac chu the khac nen kinh te co quan he vay muon lan ve von dura tren nguyen tac tin tudng va hoan tra ca goc va lai r Co che tin dung cua ngan hang thuong mai: Co che tin dung la mot he thong cac chu truong, bien phap lien quan den viec mo rong hoac thu hep quy mo tin dung mot thoi gian nhat dinh de dat muc tieu da hoach dinh va han che rui ro, bao dam an toan kinh doanh cua NHTM Noi dung co ban cua co che tin dung ngan hang thuong mai bao gom toan bo cac van de cac van de co lien quan den cap tin dung: Bo may to chuc, quy dinh va iii nguyen tac, hinh thuc tin dung, quy trinh, thu tuc tin dung, kiem tra, giam sat cac hoat dong tin dung 1.2 Sur can thiet, noi dung va nhfrng nhan to anh huong den hoan thien nong thon Dae diem tin dung ddi vdi ho nong dan: Tin dung doi vdi ho nong dan bao gom cac chi phi san xuat nong, lam, ngu nghiep, chi phi tieu thu san pham, chi phi mua sam may moc nong, ngu nghiep, chi phi dau tu, cai tao dat, dau tu phat trien cdng nghiep che bien, tieu thu cong nghiep, phat trien cor so tang nong thon, Day la doi tuong dau tu chua dung nhieu rui ro (ca khach quan lan chu quan) dong thdi chi phi nghiep vu cho vay cung kha Ion San pham nong nghiep thudng tieu thu giup nong dan nang cao nang suat, han che rui ro vira dam bao hieu qua hoat dong kinh doanh cua chinh ban than ngan hang Vi vay tin dung vdi ho nong dan can co uu dai cua Nha nude NHNO&PTNT VN Hoan thien cor che tin dung ddi vdi ho nong dan nham khoi thong dong chay tin dung ve nong thon r r \ r r Hoan thien cor che tin dung ddi vdi nong dan nham chuyen dich co cau kinh te nong thon theo hudng san xuat hang hoa quy mo ldn, mang lai hieu qua kinh te cao r r Hoan thien co che tin dung ddi vdi nong dan cua ngan hang nong nghiep va phat trien nong thon nham phat huy vai tro chu dao cua NHTM nha nude dieu kien tin dung nhieu phan d nong thon Hoan thien cor che tin dung ddi vdi nong dan nham tao dieu kien cho cac ho nong dan va cac ddi tuong khach hang khac d nong thon tiep can duoc nguon von tin dung ngan hang, day lui tinh trang cho vay nang lai d khu vuc nong thon iv Hoan thien co che tin dung doi voi ndng dan nham gop phan dua tin dung ngan hang den tay ngudi ngheo theo cac chuong trinh kinh te, xoa doi giam ngheo d mot bo phan ndng dan gap kho khan va bao dam an sinh xa hoi d ndng thon r r Noi dung hoan thien ca che tin dung doi vdi ho ndng dan cua NHNO&PTNT Viet Nam Ca che tin dung la xuong song hoat dong cua ngan hang thuong mai Giam thieu rui ro tin dung va tang kha nang sinh ldi la muc tieu cua chinh sach De dat duoc muc tieu NHNo&PTNT phai xay dung duoc co che tin dung phu hop, on dinh mang tinh chat lau dai r rr Ca che tin dung doi vdi ho ndng dan cua NHNN&PTNT la he thong cac chu r trirang, dinh hirong quy dinh chi phoi hoat dong tin dung HDQT cua dica \ r * nham sic dung hieu qua nguon von de tai trq cho cac ho ndng dan pham vi a cho phep cua nhirng quy dinh cua NHNN VN De hoan thien ca che tin dung doi vdi ho ndng dan, NHNo&PTNT can tap trung vao cac noi dung chu yeu: Hoan thien bo may to chuc hoat dong tin dung, Hoan thien nhung quy dinh, nguyen tac tin dung doi vdi ho ndng dan, Phat tridn cac hinh thuc tin dung doi vdi ho ndng dan, Hoan thien cac quy trinh, thu tuc tin dung va khong ngimg nang cao cong tac kiem tra, giam sat hoat dong tin dung doi vdi ho ndng dan r r r ' r Nhirng nhan to anh hudng den hoan thien ca che tin dung doi vdi ho ndng dan cua NHNO&PTNT VN la: tinh hinh chung cua nen ndng nghiep va nhu cau r v r \ von cho phat trien ndng nghiep Viet Nam, nhan to thuoc ve Ngan hang Ndng nghiep va Phat trien Ndng thon va ho ndng dan, co che chinh sach va su ho tro cua Nha nude doi vdi tin dung ngan hang va kinh te ndng dan 1.3 Kinh nghiem hoan thien ca che tin dung doi vdi ho nong dan cua Ngan hang thirang mai d mot so nude tren the gidi Luan van da nghien cuu thuc tien co che tin dung doi vdi ho ndng dan cua cua Ngan hang thuong mai d mot sd nude tren the gidi nhu Phap, PhiLippin, Thai Lan de rut mot sd kinh nghiem cd kha nang van dung cho Viet Nam: 90 Do do, tiep tuc doi mdi va hoan thien bo may to chuc la mot nhung nhiem vu tam cua NHNo&PTNT Viet nam Mot yeu cau quan cua viec hoan thien bo may to chuc cua ngan hang thuong mai Nha nude la lam ro mdi quan he giua co quan quan ly va co quan dieu hanh theo hudng nang cao hieu qua va hieu luc quan ly cua cua hoi ddng quan tri, dac biet la hoach dinh chien luge quan ly rui ro, dong thdi nang cao hieu qua A r A dieu hanh cua giam doc va cac vien ban dieu hanh cd bo may tin dung dam bao cho hoat dong kinh doanh cua NHNo&PTNT an toan, hieu qua va dung hudng - Dao tao nguon nhan luc chat lugng cao Nhung hoat dong cua qua trinh san xuat ndng nghiep nhat la ho san xuat deu cd su tac dong true tiep cua hoat dong tin dung ngan hang do cong tac dao tao nguon nhan luc khong chi dao tao chuyen sau nghiep vu tin dung ma can ket hgp dao tao chuyen mon hoa nghiep vu tin dung va cac nghiep vu ma ddi tugng tin dung tac dong lam cho tin dung ngan hang tham nhap sau vao cac yeu td dau tu dinh lugng va mat dinh tinh Con ngudi la yeu td quyet dinh cua moi cong, chat lugng cua doi ngu can bo noi chung va tin dung noi rieng la mot nhung yeu td quyet dinh chat lugng, hieu qua cua hoat dong ngan hang co cong tac tin dung Yeu A A cau cac nguon nhan luc cho su nghiep doi mdi hoat dong ngan hang la xay dung doi ngu can bo vien chuc vung vang ve mat nghiep vu nhat la nghiep vu tin dung, am hieu ve luat phap, co che, chinh sach cua Nha nude, am hieu nhung kien thuc kinh doanh ca che thi truong, co pham chat dao due tot, yeu nganh, yeu nghe, ngoai phai biet mot sd nghiep vu cua cac nganh kinh te ky thuat khac, nang cao nang luc vd moi mat de nhanh chong tiep can va cd du kha nang de van hanh thong sudt cac cong nghe mdi dieu se thuan lgi cho cong tac cho vay cua ngan hang, lam cho vdn tin dung dau tu dung muc dich va hieu qua cao - Phat trien mang ludi phu hgp vdi kha nang quan ly Cung cd nang cap hoat dong cua mang ludi ve trach nhiem, nghiep vu va ngudi Phai thudng xuyen quan triet day manh hoat dong cua ca mang ludi tin dung de 91 khong ngung tao sue manh tong hop cuon hut cac to chuc chinh quyen, doan the chinh tri xa hoi cung don sue phoi hop voi ngan hang thuc hien nghiem vu kinh doanh cua ngan hang noi rieng va thuc hien nhiem vu phat trien kinh te xa hoi tren dia ban noi chung Ve to chuc nguoi mang ludi can dac biet quan tam va thuong xuyen tri cung co, nhung ngudi khong du tieu chuan dao due nghe nghiep va tinh than trach nhiem vi pham cac dieu cam hoat dong ngan hang thi thay the kip thdi, de khong ngimg phat huy va phat trien nang cap hoat dong cua mang ludi dap ung yeu cau nhiem vu hoat dong cong tac ngan hang hien tai va nhung nam sau 3.3.2 Hoan thien nhurng quy dinh va nguyen tac tin dung doi vdi ho nong dan - Ddi tugng cho vay phai md rong den tat ca ndng, ngu, diem dan khong phan biet noi cu tru Theo quy dinh hien cua chinh sach tin dung phat trien ndng nghiep, ndng thdn ddi tugng vay vdn phai cu tru va cd co sd hoac du an san xuat kinh doanh tren dia ban ndng thdn Co che da gay kho khan cho mot bo r r phan kha ldn ho gia dinh san xuat ndng nghiep, danh bat hai san cu tru tai cac thi tran, phudng(thuoc thi xa, thuoc tinh) Cac doi tugng san xuat cung A mot nganh nghe va co the tren cung mot dia ban nhung khong dugc thu hudng chinh sach tin dung phuc vu ndng nghiep, ndng thdn - Nghien cuu xay dung he sd rui ro phu hgp ddi vdi doi tugng vay la ho ndng at r dan nham han che nhung phan biet doi xu giua cho vay co dam bao tai san hay khong co dam bao bang tai san de Ngan hang manh dan hon viec thuc hien chinh sach uu dai ddi vdi doi tugng vay vdn la ho ndng dan 3.3.3 Md rong cac hinh thirc tin dung Phai lua chon phuong thuc cho vay phu hgp vdi dac didm san xudt kinh doanh luan chuyen vdn theo chu ky san xuat kinh doanh cua ddi tugng vay va dap ung dugc cac yeu cau quan ly, kiem tra giam sat cho tung thdi ky San xuat ndng nghiep cd hinh thuc td chuc kinh te chu yeu la kinh te ho san xuat ndng nghiep, kinh te trang trai va kinh te hgp tac chu ydu la hgp tac xa nong nghiep lam dich vu la chu yeu 92 Doi vdi ho san xuat ndng cho vay phan chia cac loai nhom ho gdm nhom: nhom ho chua san xuat hang hoa, nhom ho da san xuat hang hoa, va nhom A ? ~ ho san xuat kinh doanh theo dang kinh te trang trai, mdi nhom ho nhu vay dugc ap dung cac hinh thuc hay mot phuong thuc cho vay hop ly, phu hop vdi hinh thuc td chuc san xuat va quy md san xuat cua tung ddi tuong vay - Ddi vdi ho san xuat va ho san xuat ndng nghiep cd the cho vay true tiep ddn tan cac chi nhanh cap 3, phdng giao dich, theo phuong thuc thuc hien giai ngan cho vay theo each: + Ho vay vdn true tiep den vay va tra tai dia diem giao dich gan nhat noi minh cu tru + Ngan hang to chuc td luu dong de giai ngan cho vay tai noi thong bao trudc thong qua chinh quyen dia phuong va thu no cung thong nhat vdi ngudi vay den ky han ngan hang se bo tri den diem hen de thu no + Cho vay thong qua td nhom ho ndng dan theo tinh than Nghi quyet lien tich 2308 giua NHNo&PTNT Viet Nam va Trung uong Hoi ndng dan Viet Nam, td nhom hoi phu nu theo tinh than Nghi quyet lien tich sd 02 giua NHNo&PTNT Viet Nam va Hoi lien hiep phu nir Viet Nam 7 r - Cho vay qua td chuc trung gian: la viec ngan hang cho cac td chuc kinh te vay vdn va tren co sd cac td chuc cung ung vdn lai cho cac ho san xu£t chu yeu la tu cac td chuc che bien tieu thu ndng san pham hoac cung ung vat tu cho ndng ho Ap dung cac phuong thuc cho vay tren vira cai tien duoc each tiep can ddi vdi ho san xuat cua ngan hang vua giam duoc ap luc qua tai ddi vdi can bo tin dung cho vay quan ly cho vay ddi vdi ho san xuat va ho san xuat nong nghiep Md rong phuong thuc tin dung: Can trien khai nhung phuong thuc cho vay hien dai de dap ung nhu cau cang cao cua khach hang nhu cho vay dong tai tro, cho vay theo han muc thau chi, cho vay thong qua nghiep vu phat hanh va su dung the tin dung nham tang trudng du no tin dung, phuc vu cho cac du an dau tu ldn 93 3.3.4 Hoan thien ve quy trinh, thu tuc tin dung - Can chu viec cai tien quy trinh, thu tuc cho vay cua cac chi nhanh he thong NHNo &PTNT Viet nam Phoi hop vdi cac co quan co lien quan giam thieu cac thu tuc cho khach hang Can tang cudng cong tac tiep can, tiep thi va cham soc khach hang, co che thi trudng phai xac dinh khach hang la thuong de, ho co quyen ddi hoi va chon loc mot ngan hang tot de giao dich Trong hoat dong kinh doanh cua ngan hang cong tac tiep thi va cham soc khach hang cd mot vai tro het sue quan Khach hang chu yeu cua NHNo&PTNT la ho nong dan, truyen cac chu truong chinh sach cua Dang, Nha nude, cua nganh de gidi thieu cac r r r hinh thuc huy dong vdn, lai suat, cac tien ich ddi vdi ngudi gui tien ddng thdi kem theo la su khuyen khich lqi ich vat chat va tinh than ddi vdi ngudi gui tien r r a r thudng xuyen, ldn va chinh sach khuyen mai ddi vdi khach hang truyen thong de r z x t nham giu khach hang, nam chac nhung khach hang cd thu nhap on dinh thudng xuyen va kip thdi tiep thi van dong nhung khach hang cd thu nhap theo thdi vu bat thudng de tiep can huy dong vdn duqc hieu qua cao, bd tri thdi gid lam viec d tirng noi, tirng vung phu hop vdi dieu kien va xu hudng kinh doanh cua khach hang cung nhu cua ngan hang co che thi trudng r - Quan ly tot mang ludi tin dung ca ve hinh thuc va noi dung Cong tac quan ly mang ludi chi dao thuc hien tot cd bai ban ky cuong va xac dinh luon la mot nhung nhiem vu yeu chi dao hoat dong kinh doanh Dac biet la ddi vdi cong tac md rong quy md va nang cao chat luong tin dung thi se luon phat huy duqc dang ke luc luong giup viec rat hau cua mang ludi tin dung ve toe trien khai nhiem vu va chat luong cong viec ca be rong va bd r r sau Cd the noi neu thuc hien tot cong tac quan ly mang ludi tin dung se luon tao z z r z duqc the luc, sue manh rat ldn ve uy tin he thong chinh tri xa hoi, ve vi the va kha nang canh tranh ddng thdi thuc hien tot duqc quy che dan chu hoat dong tin dung cd tinh xa hoi hoa cang cao 94 - Cung vdi viec hoan thien md hinh bo may to chuc tren, linh vuc tin A r \ dung can to chuc theo hudng chuyen nghiep va mot dau mdi giao dich vdi khach hang, tach bach cac khau tham dinh, quyet dinh cho vay, quan ly tin dung, xu ly tin dung, xu ly no tranh chong cheo cong viec giua cac bo phan va tang cudng su trinh nghiep vu, ung dung co hieu qua nhung phan mem phuc vu cho cong tac thim dinh va quan ly tin dung duoc tot hom va hieu qua hon r a - Trong quy trinh cho vay, thu no la mot noi dung het sue quan trong, can cd bien phap cu the thich hop day manh viec thu hoi no lai, no goc cac khoan vay Can bo tin dung can xac dinh thdi gian tra no, muc tra no phu hop vdi chu ky san xuit kinh doanh cua du an va cac ngudn thu nhap thuoc nang luc tai chinh cua khach hang, tranh gay sue ep cho khach hang vi kha nang tra no cua khach hang thuc chit la du an tren co sd tinh toan ngudn thu tuong lai, cac ngudn thu cd thd la r r ' ket qua sinh ldi hoat dong san xuat kinh doanh cua du an hoac la ket qua cua cac ngudn thu khac ngoai du an ma cd nhu vay danh gia kha nang tra no cua khach hang can bo tin dung can dac biet luu y phan tich ky ngudn chinh thuc tra no A A tuc la ngudn sinh ldi tu hieu qua du an va ngudn thu nhap khac ma khach hang cd •f r a a the cam ket toan no ngan hang de phong ngudn chinh thuc tra no gap rui ro thi ngan hang cd the thu hoi vdn bang ngudn thu nhap khac Neu can bo tin dung may moc, chu quan phan tich kha nang tra no cua khach hang chi chu den ngudn thu tir hieu qua cua du an du an xuat hien rui ro viec thu no se rat ngudi vay thu no - Ddi vdi mdi khoan vay can bo tin dung phai thuong xuyen theo doi, kiem tra de cd bien phap xu ly kip thdi rui ro cd the xay tir phia khach 95 hang Viec theo doi tinh hinh su dung von vay cua khach hang sau nhan von vay > r r r •> la het sure can thiet, bdi no khang dinh duoc viec su dung von cua khach hang co r r ■\ dung muc dich hay khong? Co dung noi dung ho so vay von da thuyet minh trinh bay khong? Neu co su bat thuong su dung von vay khong dung muc dich thi kien quyet lap bien ban vdi khach hang chuyen no qua han de thu hoi vdn trudc han Neu qua trinh theo doi kiem tra sau cho vay thay du an cd hieu qua, phuong an san xuat kinh doanh can thiet phai huy dong them vdn thi can bo tin dung ngan hang cung nen tu van tao dieu kien cho vay bo sung vdn de md rong quy md san xuat kinh doanh, nguoc lai thay du an khong thuc su hieu qua neu de du an keo dai het thdi han thi khong the thu hoi duoc vdn thi cung can cd giai phap thich hop dd thu hoi vdn trudc han - Ddi vdi cho vay theo td vay vdn x x r \ ■> Can xay dung nhung noi dung can thiet bo sung hoan thien hon nua ve quy r r trinh cho vay de phdng ngua dien bien tieu cue hoat dong tin dung ddi vdi thuc hien cho vay theo quy trinh td vay vdn Phai chi dao va kiem soat chat che viec thuc hien cho vay theo quy trinh td vay vdn, nhat thiet tham dinh cho vay phai x r r 7 true tiep cd phan: Can bo tin dung, td trudng td vay vdn, khach hang vay vdn Mot van de ve co che chinh sach, xet duyet cho vay phai duoc cong khai hoa x e r x Tiep can mon vay cung can cd thay ddi linh hoat hon, thay vi trudc day can vay khach hang lien he vdi td trudng td vay vdn thi thdi gian tdi can ap dung linh-hoat •t r x hon dd la td trudng vay vdn, ngudi vay va can bo tin dung deu phai cung van dong r r r x x tich cue tiep can, tiep thi de giai quyet cung, cau tin dung tren dia ban dong thdi cung tham dinh, tu van mon vay dam bao cho du an kha thi, hieu qua Nhu vay cd the se han che duoc tieu cue hoat dong tin dung d each lam cu nhu: khach hang can vay den trinh bay vdi td trudng td vay vdn, td trudng td vay vdn cd X the gay kho khan cho ngudi can vay khong tdi gap can bo tin dung ngan hang de tham dinh mon vay hoac keo dai thdi gian lam mat cor hoi san xudt, kinh doanh cua ngudi can vay vdn - Tang cudng ung dung cong nghe thong tin quan ly va thuc hien cac quy trinh, thu tuc ve tin dung 96 ro cho Ngan hang - Hoan thien md hinh kiem tra giam sat noi bo tirng ngan hang Bo phan phai duoc hoat dong doc lap vdi ban lanh dao de dam bao khach quan cong tac kiem tra, giam sat Hoan thien phuong phap kiem tra, giam sat no bo theo chuin muc quoc te Cong tac kiem tra phai thuc hien thuong xuyen, theo chuyen de Cac khoan vay co gia tri ldn can phai thong qua bo phan kidm tra, giam sat nham han che rui ro Su dung nhieu phuong phap each thuc tien hanh kiem tra ket hop cong cu ho tro cong nghe tin hoc vao cong tac kiem tra giam sat, kiem toan noi bo - Xac dinh ngudi la nhan to quyet dinh, vi vay can chu va thudng r i "> xuyen nang cao chat luong doi ngu can bo kiem tra giam sat, kiem toan noi bo; tang cudng cong tac dao tao nghiep vu va dao due trach nhiem nghe nghiep cho can bo > •> "> r \ thuc hien cong tac kiem tra giam sat; can co tieu chuan can bo va co che tien luong, A phu cap, thi dua khen thudng de dong vien can bo lam nhiem vu kiem tra giam sat, kiem toan noi bo yen tam vdi nghe, tu hao vdi nhiem vu - Hang nam sau ket thuc nam tai chinh can thue mot co quan kiem toan doc lap ben ngoai de thuc hien kiem tra, giam sat hoat dong tin dung nham danh gia, soat cac khoan cho vay - Xay dung he thong cham diem khach hang vay la ho ndng dan phu hop vdi r r a r thong le quoc te nham nang cao chat luong tin dung cho phat trien kinh te nong nghiep nong thon, nong dan De phat trien tot nguon vdn huy dong dap ung nhu cau cho vay ndn kinh td, NHNo & PTNT can tang cudng phat trien nguon vdn de md rong quy md tin dung, can cd giai phap htru hien tang cudng thu hut nguon vdn tren dia ban, ngoai dia ban dudi nhieu hinh thuc Dac biet phai thuc hien co hieu qua viec huy dong vdn tai cac dia phuong vdi lai suat re de co du vdn thuc hien cac chuong trinh kinh td cua Nha nude, chu truong cua Chinh phu nham dap ung du vdn cho khu vuc ndng thon e A ' r r Dac biet can chu huy dong nguon tiet kiem tir dan cu Trong boi canh hien huy dong vdn gap nhieu kho khan sir canh tranh cua cac ngan hang 97 NHNo phai thuong xuyen dua cac giai phap phu hop Doi voi ho nong dan cAn thuc hien viec huy dong von tai nha va cho vay tai ngan hang tren co so cac to, nhom cho vay luu dong Chu dong, da dang hoa cac hinh thuc huy dong von noi te, ngoai te, day manh phat trien dich vu va cac tien ich san pham, day manh toe phat hanh the ATM phuc vu tot viec tra luong qua tai khoan, md tai khoan toan, thu ho, chi ho Ngoai co the ap dung cac hinh thuc khuyen mai phu hop vdi tung loai tiet kiem de tao sue thu hut thi hieu, phong tuc cua dia phuong de md rong thi phan khach hang va ngudn vdn huy dong Huy dong ngudn vdn tu vay cac td chuc kinh te, td chuc tai chinh, bao hidm xa hoi va tranh thu cac ngudn vdn du an dau tu tir nude ngoai nhu vdn RDF, x r r t r MLF,WB Day la ngudn vdn cd sd luong ldn, on dinh, thdi han dai, lai suat phu hop de cho vay ndng nghiep, ndng thdn Ngoai Chinh phu can danh mot phan kinh phi cung vdi vdn cua Ngan hang cho vay de ho tro ndng dan phat trien tang thdn dap ung vdi yeu cAu nhiem vu xay dung ndng thdn mdi Ho tro ngudn vdn cho vay ddi vdi phat tridn ndng nghiep ndng thdn ndng dan thong qua co che giam ty le du tru bit buoc Di doi vdi viec da dang hoa cac hinh thuc huy dong vdn va md rong cong tac toan the hien viec hien dai hoa cong nghe ngan hang la cue ky quan trong xu the hoi nhap kinh te quoc te Thuc tidn cho thAy yeu cAu hien dai hoa cong tac toan la phai trang bi cong nghe thich hop theo budc di va su phat trien cua vua tan dung duoc nhung cong dung tiem tang cua cac thiet bi dd tdi da hoa su thoa man cac nhu cau cua moi khach hang moi trudng hop, dupe xem nhu la van de chu dao hien dai hoa cong tac ngan hang noi chung va cong tac toan noi rieng, phai dat uu tien hang dau la thoa man nhung nhu cAu trudc nhung khach hang da dang, phuc tap, ddi hoi cao ve chinh xac, an toan va tdc xu ly cao, tranh dupe su rui ro Lam tot dupe van de nay, se lam tang them khdi lupng khach hang, gia tang khdi lupng mon giao dich se lam tang trudng nguon vdn dang ke toan 98 Tom lai: vdn dau tu cho cong nghiep hoa, hien dai hoa nong nghiep, nong thon la van de hue thiet chung cua nen kinh td, nhat la doi vdi NHNo&PTNT hoat dong tren dia ban nong thon chu yeu la kinh te ndng nghiep, nhu cau vdn ldn nhung phan tan ddi hoi cong tac huy dong vdn phai “tich thieu da” de tao lap \ r "> ' nen ngudn vdn phuc vu cho su nghiep phat trien kinh te ndng nghiep va ndng thon nhat la kinh te ndng ho theo hudng san xuat hang hoa Viec su dung ngudn vdn dung muc dich phuc vu ndng nghiep, ndng thon la rat quan trong, NHNo&PTNT can tien hanh phoi hop vdi cac co quan chuc nang de lam dich vu tu van cho ho san xuat ndng nghiep nhu: + Tu van ve san xuat: tu van ve dat dai, nen cay gi, nuoi gi va ky thuat trong, nuoi, cham soc + Tu van ve thi trudng: gia ca, nhu cau tieu thu nude, xuat khau, hien tai va du bao tuong lai r \ r \ + Tu van ve viec lap cac du an dau tu, phuong an san xuat + Tu van ve cong nghe, chuyen giao cong nghe ■\ r r r r \ Lam duoc dieu dd chac chan hieu qua vdn tin dung, hieu qua vdn dau tu cua kinh td ho se dat cao hon va dam bao gop phan phat trien ben vung cho loai hinh kinh te phat trien theo hudng san xuat hang hoa ndng dan - Phat trien he thong tin dung ngan hang da dang, da tien ich duoc dinh hudng theo nhu cau cua nen kinh te tren co sd tiep tuc nang cao chit luong va hieu qua cac dich vu ngan hang truyen thong, cai tidn thu tuc giao dich dac biet coi dich vu huy dong va cap tin dung, ddng thdi tidp can nhanh huy dong ngan hang hien dai va dich vu tai chinh, ngan hang mdi co ham luong cong nghe cao de r r \ -y r r dap ung tot nhat nhu cau cua nen kinh td xay dung he thong dich vu ngan hang cd chat luong, an toan va hieu qua, cung ung day du, kip thdi, thuan tien cac dich vu, tien ich ngan hang cho moi doi tuong, tang ldp xa hoi, chu dap ung tdt nhu cau dich vu ngan hang qua trinh day manh cong nghiep hoa, hien dai hoa 99 nen kinh te, thuc day tang trudng kinh te, gop phan thuc hien thang lgi muc tieu phat trien kinh te xa hoi cua Nha nude de Ddi vdi kinh te ho ndng dan d vung ndng thon ngoai cac dich vu ngan hang x r > \ truyen thong da nen thi can phai md rong cac dich vu ngan hang khac bao gom: r r + Md rong mang ludi tiep can khach hang: cung cd hoat dong cua cac chi nhanh true thuoc chi nhanh cap I va cac chi nhanh true thuoc chi nhanh cap II dang co d tai cac huyen thi xa, thi tran, xa phudng, tirng budc xay duung cac diem giao dich hoat dong co chieu sau, cd chat lugng, hieu qua tien tdi (xa hoi hoa) hoat r r dong ngan hang moi linh vuc: huy dong vdn, cho vay vdn, va cong tac toan viec mua ban hang hoa, lam cho moi ngudi dan tren dia ban hoat dong cua mdi chi nhanh coi NHNo&PTNT la noi gui tien tin cay, la nori cung ung vdn x r r kip thdi cho nhu cau san xuat kinh doanh ca phuc vu ddi song la noi lam trung gian toan cho cac hoat dong mua ban + Thuc hien viec huy dong vdn tai nha va cho vay tai ngan hang tren cor sd cac td, nhom cho vay luu dong va phuong tien o td chuyen dung dugc trang bi dan su dung vdn co hieu qua, tranh va ngan ngira cac sai pham cd the xay 3.3.8 Phat trien thi trircmg bao hiem ndng nghiep Bao hiem ndng nghiep la loai hinh bao hidm tuong ddi dac thu, phu thuoc d khu vuc ndng thon va ndng nghiep la nguon song chinh cua ho Tuy nhien nganh ndng nghiep d Viet Nam lai bi anh hudng nhieu nhat boi nhung rui ro ve thdi tiet (lu, lut, thien tai), dich benh Rui ro mat vdn cao nhung chua co thi trudng bao hiem ndng nghiep Bao hiem la cong cu quan trgng viec han che rui ro ndng nghiep O Viet nam linh vuc chua phat trien, do can tung budc phat trien bao hidm ndng nghiep Day la chinh sach cua Chinh phu nham ho trg ngudi ndng dan Ndng nghiep la mot linh vuc rat nhieu rui ro mang tinh khac quan va gay thiet hai cd tinh he thong de lai hau qua nghiem trgng Chinh vi vay bao hiem ndng nghiep la mot yeu 100 cau can thiet va co y nghia to ldn ddi vdi nen kinh te quoc dan Nha nude can cd co che cu the, ve phia Ngan hang No & PTNT VN de giam thieu rui ro cung can cd chinh sach ho trg nhu mien hay giam lai ddi vdi ho ndng dan vay vdn tham gia mua bao hiem Tuyen truyen, van dong, hudng dan tich cue de ngudi ndng dan hieu rd ve bao hiem ndng nghiep, ho dugc lgi gi va phai lam gi de dugc hudng lgi tham 7 gia bao hiem ndng nghiep,de dong dao ndng dan tham gia bao hiem Phai thong tin dAy du thd nao la bao hidm ndng nghiep, tai sao, nen tham gia, ddi tuong nao dirge tham gia, cong ty nao true tiep giup thuc hien bao hiem ndng nghiep, thu tuc sao, co quan nao tu van giup do, de dugc bao hiem boi thuong thi phai lam sao, su cd xay ra, ndu xay tranh chip, bao cho ai, thu ly, didu dd rit cin thidt de thi trudng bao hiem ndng nghiep phat trien, lam han chd rui ro doi vdi cac khoan vay cua ngan hang lmh vuc ndng nghiep, ndng thdn, gop phan han chd rui ro san xuat ndng nghiep, de bao hiem ndng nghiep la ngudi ban cua ndng dan Mat khac bao hiem ndng nghiep ton tai lau dai va ben vung thi se mang lai lgi ich cho ca cong dong 101 KET LUAN • Nen kinh te Viet Nam dang qua trinh hoi nhap kinh te quoc te Hoat dong cua cac NHTM Viet Nam, khong chi dimg d muc phuc vu phat trien nen r r a kinh te quoc dan, ma tuong lai co nhieu van hoi mdi, de cang vuon xa hon hoat dong cua minh cac nude khu vuc va tren the gidi Trong bdi canh dd chien luge phat trien ndng nghiep, ndng thon dong vai trd chien luge su nghiep cong nghiep hoa, hien dai hoa, xay dung va bao ve td quoc, la co sd va luc lugng quan de phat trien kinh te xa hoi la mot bo phan chien luge phat trien kinh te quoc gia Cong nghiep hoa, hien dai hoa ndng nghiep, ndng thon la mot nhiem vu quan hang dau cua qua trinh cong nghiep hoa, hien dai hoa dat nude Ndng dan la chu the cua qua trinh phat trien, xay dung ndng thon mdi gan vdi xay dung cac cor sd cong nghiep dich vu va phat trien thi theo quy hoach la can ban Phat trien toan dien, hien dai hoa ndng nghiep la then chot r Chinh vi the ma chinh sach tin dung hien cac NHTM luon hudng tdi cac ho ndng dan, Ho ndng dan da va dang trd nhom khach hang muc tieu, mang lai tiem nang ve doanh thu va lgi nhuan dn dinh cho NHTM Viec nghien cuu ve ly luan nghiep vu tai chinh, ngan hang va nghien cuu nhung van de thuc tien tai chi nhanh Ngan hang Ndng nghiep & PTNT tinh Nam Dinh de hoan thien co che tin dung ddi vdi ho ndng dan cuaNgan hang Ndng nghiep & PTNT Viet Nam la mot de tai can thiet, dong thdi cung het sue phuc tap hoat dong kinh doanh cong tac ngan hang d thi trudng ndng thon Tren cor sd nghien cuu ly luan va thuc trang tai chi nhanh, luan van da dua mot sd giai phap vdi muc dich nham gop phan hoan thien co che tin dung ddi vdi ho ndng dan cua NHNO & PTNT Viet nam, thuc hien tot muc tieu tin dung “Tang trudng-An toan- Bdn vung” r r r t r Trong qua trinh nghien cuu, mac du da rat cd gang de thuc hien tot luan van nhung trinh va nhan thuc cua ban than cd nhung han che nhat dinh, luan van khong the tranh khoi nhung thieu sot, rat mong nhan dugc y kien dong gop cua cac thay, cd giao va cac ban quan tarn den luan van Xin tran cam om! DANH MUC TAI LIEU THAM KHAO • • Bo Nong nghiep & PTNT (2010) , Chien lucre phat trien Ndng nghiep va ndng thon giai doan 2011-2020, Ha Noi a r TS Pham Hong Co (1996), Ddi mdi hoat dong quan ly ngan hang cap ca sd nham thuc day phat trien kinh te ndng thon, luan an PTS Khoa hoc kinh te, Hoc vien chinh tri quoc gia Ho Chi Minh, Ha Noi Ths Pham Huy Can (2010), “ Kinh nghiem va cong thuc hien chinh sach tin dung ngan hang phuc vu phat trien ndng nghiep va ndng thon tren dia ban tinh Nam Dinh" Tap chi ngan hang, so 16 T8/2010, trang 55-58, Nam Dinh Dau tuphat trien kinh te /zo(2006), NXB Lao dong, Ha Noi Dang Cong san Viet Nam (2011), Vdn kien Dai hoi dai bieu toan quoc lan thu XI, Nxb Chinh tri quoc gia, Ha Noi TS Ho Dieu (2000), Tin dung Ngan hang, NXB thong ke, Ha Noi Hiru Hanh (2007), “Mang ludi td vay vdn, tiet kiem tren dia ban ndng thon — Mot budc xa hoi hod hoat dong ngan hang" Tap chi ngan hang, tap 13, so 7/2007, trang 40-42, Ha Noi Ta Quang Khanh- Vu truong Vu tin dung NHNN (2011), Dau tu tin dung phuc vu phat trien ndng nghiep, ndng thon mot nhiem vu quan cua nganh r r Ngan hang cong cuoc doi cua dat nude, Tap chi Ngan hang sd 2+3/2011, trang 83-86, Ha Noi r ? \ Van Lac (2010), “ Mot sd vudng mac dau tu ndng nghiep ndng thon tir thuc tien tinh Quang Binh", Tap chi ngan hang, so 21 T11.2010, trang 27, Quang Binh 10 Ngan hang Ndng nghiep & PTNT Viet Nam (2002), Quyet dinh sd 72/QDHDQT, 30/3/2002 cua Chu tich HDQT Ve viec ban hanh Quy dinh cho vay doi vdi khach hang he thong NHNo & PTNT Viet Nam, Ha Noi 11 Ngan hang Ndng nghiep & PTNT Viet Nam, Quyet dinh 666/2010/QDHDQT-TDNo ve viec ban hanh quy dinh cho vay doi vdi khach hang he thong Ndng nghiep & PTNT Viet Nam, Ha Noi 12 Ngan hang Ndng nghiep & PTNT Viet Nam (2002), Quyet dinh sd 909/QD- HDQT, 22/7/2010 HDQT Ve viec ban hanh Quy dinh ve quy trinh cho vay ho gia dinh, cd nhan he thong NHNo & PTNT Viet Nam, Ha Noi 13 Ngan hang Nha nudc Viet Nam (2001), Quy che cho vay cua to chuc tin dung (1627/2001/QD-NHNN), Ha Noi 14 Ngan hang Nong nghiep & PTNT Viet Nam(2007), SO tay tin dung nam 2007, Ha Noi 15 Ngan hang Nha nuoc Viet Nam (2010), Thong tu 14/2010 TT-NHNN 14/6/2010 hudng dan chi tiet thuc hien Nghi dinh 41/CP 12/4/2010 ve r t mot so chinh sach tin dung ngan hang phuc vu phat trien nong nghiep va nong thon, Ha Noi 16 Ngan hang Nong nghiep & PTNT Viet Nam (2002), Quyet dinh so 72/QDHDQT, 30/3/2002 cua Chu tich HDQT ve viec ban hanh Quy dinh cho vay doi vdi khach hang he thong NHNo & PTNT Viet Nam, Ha Noi 17 Ngan hang Nong nghiep & PTNT tinh Nam Dinh, Bao cao tong ket cac nam 2006, 2007, 2008, 2009, 2010, Nam Dinh 18 Ngan hang nong nghiep va phat trien nong thon tinh Nam Dinh (2006), > r a Bao cao tong ket 15 nam cho vay ho san xuat, Nam Dinh 19 PGS.TS Do Tat Ngoc (2007), “Gia nhap WTO nhung co hoi va thach thuc doi vdi NHNo&PTNTVN" Tap chi ngan hang, tap 3+4, so 2/2007, trang 44-47, Ha Noi 20 Quoc hoi nuoc Cong hoa xa hoi chu nghia Viet Nam, luat cac to chuc tin dung nam 2010, Ha Noi 21 Thu tudng Chinh Phu (1999), Quyet dinh sd 67/1999/QD-TTg 30/3/1999 ve mot so chinh sach tin dung ngan hang phuc vu phat'trien nong nghiep va nong thon, Ha Noi 22 Thu tudng Chinh Phu(2010), Quyet dinh sO 41/2010/QD-TTg 12/4/2010 ve mot so chinh sach tin dung ngan hang phuc vu phat trien nong nghiep va nong thon, Ha Noi 23 Thu tudng Chinh Phu(2010), Quyet dinh so 800/2010/QD-TTg 4/6//2010 quyet dinh phe duyet chuong trinh muc tieu quoc gia ve xay dung nong thdn giai doan 2010-2020, Ha Noi 24 Truong Quang Thong va Tran Van Phudc (2010), “ Ban ve nhung bdt cap chinh sach tin dung phat trien nong nghiep, nong thon hien nay” Tap chi ngan hang, so 18 T9.2010, trang 43-46, Ha Noi 25 Do Xuan Trudng (2011), “ De nang cao hieu qua tin dung doi vdi ho nong \ r dan” Thi trudng tai chinh tien te, so thang 3.2011, trang 29-33, Ha Noi 26 TS Nguyen Thi Nhu Thuy (2011), “ Mot so gidi phap cho vay vdn ddi vdi ho ndng dan''’, Thi trudng tai chinh tien te, so 16 thang 8.2011, trang 27-30, Ha Noi 27 PGS.TS Le van Te, TS Ho Dieu ( 2004), Ngan hang thuong mai, Nxb Thong ke, Ha Noi 28 PGS.TS Phan Thi Thu Ha (2002) Quan tri Ngan hang thuong mai, NXb Giao thong van tai, Ha Noi 29 PGS.TS Nguyen Thi Mui (2008), Giao trinh nghiep vu ngan hang thuomg mai, NXB tai chinh, Ha Noi 30 PGS.TS Nguyen Van Tien (2009), Giao trinh ngan hang thuong mai, NXBThSng Ke, Ha Noi 31 UBND tinh Nam Dinh (2011), Chien lucre phat trien kinh te - xa hoi tinh Nam Dinh giai doan 2011-2020, Nam Dinh 32 Website cua Agribank: http://www Agribank, com.vn 33 Website cua Dang Cong san Viet Nam : http://www.cpv.org.vn 34 Website cua So ke hoach tinh Nam Dinh: http://www.sokhdt.namdinh.gov.com.vn 35 Website cua UBND tinh Nam Dinh: http://www namdinh.gov.com.vn 36 Website cua Ngan hang nha nuoc: http://www sbv.gov.vn