Phân Tích Tình Hình Quy Động Vốn Tại Quỹ Tín Dụng Nhân Dân Xã Long Đức.pdf

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Phân Tích Tình Hình Quy Động Vốn Tại Quỹ Tín Dụng Nhân Dân Xã Long Đức.pdf

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LO''''I CAM ON Ln sinh vien ram cu6i ngioh ke b6n trudng Dei Hac Trd Vinh, ng6i trodng d;ti hac duy nl)at cta tinh Qua 3 ndm dryc h9c tAp i?i rfldng em da tlch lut duqc iau ki6n $tc b6 jch, song nhlng hi[.]

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lien k6t d6.HiCnnayViet Nm dmg lrongti6ndnh th\rchienconengliep h6ahiend?i h6adlii nudcnnim phattri6nnankinl la vi hoi nhopv't otc nud'ctrorg khu wc vALth€ gi6i Mot ydu t6 qDd hQngcnaslt lhrl ftiand6 Ia sqphAtlridn cu ran kinl td n6nglh6n,na qut tin dlng ln mol nic xlch rir qumr:rrnetong riin linh pharEiin dd.SuDnI rncnlv; higuqudcia heth6ng iin d\ng nnhhutmgnhiaudannankinl t6 nOngngliep n6ngthdn Qut tin dlne !h6n danxa LongDfc la qut tin dungc6nhiaud6ngg6ptrcngviecdAutu vaphat tri6nkinh d xa nhAL Qut ddthuchienchtc nlng nni€mur cta nlnh not cdchtlufn det duqcnhftrg hieuqunddngk€ Mlc li€u hoatdongcna qu9li huy dong bi vAL t6i danai nsudnv,in nhan6i cnac6clihg l,h dancu trons vd nsoaidia bdnho?t ddnsd; cho \a) cic thanl viiD nlam diip tng nhuclu v6n chostu xuir kinl doanh dichw vAddi s6ng.Vi !;y viic hu) ddngv6nD hir sricquu nongrong hoardongliDdvng.luonludnding hanlci,ng\di s{ l;D r?i\d !h6r lriin cUaqur vdi lin q@ trgngtrcq cnngv6i nong mu6nh9chdi lh€mK,6nthrc vahoetdong rlndunsnenemdachandarei" Phenlichlinhhinl huydongv6ntqiqui finaug nhanda! xaLong Dtc" ldmbni biioc6ot6t nghiepcnanlrtr M+ctieunghien cfu: M+c tiOuctungr Tn nhenghiaubi6tva tinh hiDhhoqt.tongcnaqut lin d\rng,emsephantich ddnhgi6hieuqudho?tdong,ph6nlich tlnhhjnhnguonvon, huydingv6ncu qut rindug nh& danxa LongDnc.Tn d6duaE har siibiCn lhdpnangcaohieuqunhontdongtin dlrng Mlc tieuc'! th6rEatdit6ptung phandchhoqldoneiuy d6ngv6nclLaqut quacdcchiriCuuingnguinv6n tindvngquaciicnam2005.2006.2007 lhotre "6n huydone,vdnsvayv6n,du ns chovay.Tn d6 diinhgi6hieuqudhort donshuy cvHD:Ngutan Tli Tnat Thui donsv6nd6.6 th6duamc6cm nqnhvay6ucnahoq.dOns huydonsv6ndgdua rac6cgiaiphdpnhimnergcaohieuqunhoqtdonghuydongv6ncia quttindun8 Phgmvi nghi€nc|?ur ' Daai 4p rrudsnshicnctu v! nsudrv6nvAhoatdonshuydonsv6nhi qut ' lin dllngnhandanxd LongD(rcgiaido?anan 2005.2006,200?tr& co sds6Ufu tuqcqut iid dungcungcip Datni duqcOvcbienti U$ns5 nam2010ddnthdlg6 trdln2010 c\a{DNsufn'ninEi: rhut PHANNOI DUNG I : PH[.PONG PHAPLUANvA PHUONGPHAP CHUONG NGHIEN COU l.t Phuongpb6plu$! r.r,r M rrtm vevoo B,1 ct mot t6 ch(&tin dlng nnomuiinidn tqi ph6rtri€ndiaulhAi c6 nhlngkhoannanbm daudaldmphucmg lienhodtdOngnhumuasim, cdutu vao l]aisdnc6dinn,rrug thiA b! phucvu kinndo.nl, chovayvn Bm cdcdichqr Dgan hangkh6c V6nbm dducnaquytin 4ins nhardanco sd cdclhAnhviCnd6nge6p, d6h v6ndiijuF cai theotinhch6tsdhtu uriv6ndiaulCld v6nri€ng,uuocquydn di m'ic quydinhthi qut tin dung sdhtu cia qDttln d!ng.Khi c6ngudnv6nnALy mdidugcph€!tii6nkhaiho4tdong Trcngqudtrinl ho?lddng.Qui rmdwe phAihuydongviindudihinl thUa diabanhoit dong nhantiengfi qlo ftnnhvi€n,c6ct6 cbic cAnnantuDgvd DgoAi lin qDg dachovay.Di,ngtha,idaddnbio knnning chitrd,6anhto6nviLnt rOnS v6n ddp!h8 nhnciu vayv6ncnarhanlvien.Qut lin dvngphii Ao lhemnguajn bing c6chdi vaycnaqut iin d{ngt|mg udg di vaycu cdc6 chtc lln dung klntc M{r kh6cthongquaviecnhonv6nIii 1rq,thqchiencAcdichqr ui th6ovd l3n daili tronglinh wc tian$, dichvq thanhtodnvAng6nquy,dich\T! gfi h0, bm git chokh6chhdnscnnsvdi viec14ndunscdcloaiqui trich hp duqcnhuns chuast dungciingseBa choqut 1itrdtngnhtngkloAndenDmphusngtifu hod dons Nhuvay:V6n oiLaqui tin dungb nh0nggi6t4 tiante quytin d\inglao bp vi huydons{tuqc,duqcdimsdadiu hJ,muasim tai sdnc5dinh,tres fti6r bi phucvu kinhdoanl,chovayvadvc hiencAcnghi€pqr kh6clronghoqtdongkinh rhi rhrnhrbut cvHDrNsryan 1.1.2.V!i trd ctuv6r d6ivfi horr.lObg cnaqut tln duog * v6n li co s0 d6 qW fn d'!trg nher dAtr t5 chfc Dqi hogt lODgkirb do.bb MOtlrcng nhiing di€u ki€n den quyot lrcDgho dong kinh doanhc'ia qut tin dungld phdicd rijn Ihqc chjr !6n cU qu, un dungchn ydu ld mor bb phin Lhu nnApqu6cdanqm thdinhdnr6i hongqudtrlnhsln xurt lm th6ngvndCuding na chnsdhlu cta chug gni vnoqut tin dlng dC$uc hienc,c nuc dichkh6cnlau Hayn6i motcich klac, hq chuydnnhuqngquyansn dlng viin tiSnrCchoqug(n drngd€rdi qut tin dlng phaiha lai chohanot knoanthunha!.Vnnl)uviy qut lin dungdath{c hienvaytrd taprrungvi phanph6ibi vijn du6ihtnhthtc tiln 4, hn qui ldnh luanchuyanv6ndudi htnhthto tian1e,tdmtlng nllannqD6 tangDnanh trtnhlu6r chuySn viln,lhuc v! vdkichliich nai hoqtdongkinn16lhiil hian.Edng thoichinncacho?rdangd6 lai {tuyar dinndans{tdn m-ivn phJrridn hoj'rdOnB kinhdoanhcta qui rin drng.Nldnchuns.v6nchiphiiitoanbOhoaldongvaquyat dinnd6ivoi cdcviecthvchiennlc tieuhontdongcnaquytin dltng Ngui,nr6ncrlaqut rindunschinhIa roanbaeiatri riin r+doqut rindune la.ol4p vi huy donsduqcchny6ub dnngda chovay,dautu va thrc hiencdc nglriepvrr k}6c lronghoetdongK.h doanhcnaminh.Ngu6nvonlhdn 6nl'ndne Iucchny6uddquyiitdinhkrianrnghoa!dongcta qut 1indlng Ngu6nv6ncdnla cosdd€qut cnnsc6b0m6yd chirc,bi€nch6s6ldqnsc6nbOvatd chtc maihod dongkiDI doanh,duylri su l6n tai vd nane€o khAnangph6t&iancnaquy.Tin dlngnl|endankh6ngc6v6nfti th6ngthall){c hionduqcnuc ti€uhontdon8 Do d6,nsodiv6i bandAucAr$i€t ttc U dn v6ndieulCrheohar dinhthi trongsu6tqu6lrinhhoetrtongcnaminhqut tin d{nglhai thuiog xuydnchanlo t6i vie.l'ig trumg v6n,ttn n9i bi€nlhdp ddkhoi rlng neu6nv6nddngthdi st qins hqpli, tiii dac5cDcuijnv6nhuydOnsduqc * v6n qny6tdinhquyn6 ho4titongvnbnodnn uytib.na qut tl! dqbg nhandantrtu lhudDgtrudDg Ngu6n v6neinvaitrdquy€ldinhv) lA.o sddaqut lin dunscost nt rons ho{clhuhcpquym6hoatdons GVHD:Ngryanrhj rl'oh ?nut g F s 3€ z P o ddngchi6m6% t6ns v6n huy dong.NIin Qut ndm2005de1608.000.000 ddngtuog duong31,4%vd chidm dbDgtang191.000.000 2006ddt799.000.000 d6ng daing tang364.000.000 6,5%t6ngv6nhuydong.Ndm200?.lal I -16l.000.000 luongdumg 45,6%va chiam6,8%t6ngviin huy dong.Tin} hinhtian gti qu, va qut trng hangndm,day la diaud6ngnlmg vt qut tin dlns c6 then neitdnv6n huydongtuongtha,isi@ dAihd Qut ln qui cdlian sn chiAn1t trangft6p nlr6l ndm2005dtt 20?.000.000 ddnggiam d;ng chiim 29" rdne ',in huy don8.N.m 2006 dar 110.000.000 92.000.000 tuongdudg giAm45,5%va chiitn 0,9%t6ngv6n huy done Ndn 2007 ddnggiim 76.000.000 dbnehrongdumg 69%vd chi6m0,2%t6ng d$ 34.000.000 v(tnhuydong Qualhan iich linh hi.h qui ta thiiytinh htnhhDydotrgv6trcnaqut tln dungngaycnngdi l€n,dayld hienucng ddngmtng.Nhungbcncanhd6tiin 8ii chi6! linngvAolo4ic6 ki henI thdngvi c6kt h9n3 tbdn8,2 loli kt hannayh tumg d6ithiipdas'r dungv6n.Vi v4ykhi st dungv6nhuydongchovayqui lin dqngsegA!kh6knln nhukh6ng.iuqcsndunshatv6nhuydongdachovay,phli dVtrit ngudnv6nddrhsh todnchokhichhdngkni dtn thtrihan.Quytin dW8.ji c6 mOlsii bienphdpntu giating lai sudtcaod qut dilcbietld qui dethuhlt tuqnstiiin sti vao2 qui naycaosethuanlen choviecsridltngv6nhuydonsmAir phllthuocvdongudnv6nvaycr).nganhangthuongmoihayt6 chtc tin drngk}6c rPhintichtbeok' htb gti Tqi qut tln d[ng c6nhieuki hqnhuydongv6n I th6ng,2$iin& th6ng,4 ih6!& thing, 6lhang,71hiing.8 th6ng.9 thdn8,t0 thdne.l1 th6ng,12ih6ng Nhmstiansti c6ki h?nI thdrsvnk' h?n3 th6nsln chiamtt trqneQo nh6t avHD:Nguyao rhi Thohrtut .E F E€ F lB€ E' € I u€ d € z €€ q €,.5 F I E - Quabdnssit [€u ta thaytian e]ii c6 k] hqn3 th6nechidmti trangcaonhrt, qua3 nim lt lrgng tdngtrongkhodng70%-72%.Cu Urenam2005tian gij o6 k' hr I rh,ingdsr7.100.000.000 donj chiamd rens 70oor6ns\6n huydane.Nan 2006dat8.?53.000.000 ddngttng l 653.000.000 ddngtlrcns duonz23,31/0 so num rtudc vi chi6m1t lrang ?1,2%d.g vi5nhuy dong.Nan 2007dat 12.299.000.000 ddngtrng3.546.000.000 ddngtuongdueg 40,5%sonnn 2006vd chi6n71,9% dng vi5nhuy dong.Tiangrri cd ki han3 thdngchiiin tt lrgngcaonhuviy b bi suatlo?i k' henndy tuongddi caohon cdck, h9nkhdcvd thdi gim Iti l0i tuong d6i da nguiri gii cd rha st dungdancta cho nnrng chi tiCund c6 1l)€hudng duqclai sutt hq! lYHuy dons v6n th6o ky h?n g',r n5m 2005 Httrh2.4:Bi6uddhuyd0nev6nrheokt[3d gni bitu2005 D6i vdi nCngni c6 ki hnn th6ngthi qua3 ntm cnngtnng,nln 2005d4t 1.115.000.000 d6ngchi6n lt trane ll % dng v6n huy dOng.NIn 2006dat 1.462.000.000 dbngtdng347-000.000 ddngtumg dudg 3l,l% chiamll,9% i6n8 t6n huyddDg.Nam2007dar2.010.000.000 chi6mi (ang l2.l% rdngvdn huy donglang608.000.000 ding lumg dumg4l,60ld sonlm 2006 Huy 60ns vdn ih€o ki htn S'i"i Ht 2.s:Bi6udd htrydongv6ntheok' t?n gni bnn2006 Oual nNDulld) lo4iriinBtiL6 ky hdnI rh,ingvaki h?nI rhdngdi'usng lendo ddis6ng\it chil crlangudidAnngd)cdg duqcD;mgcao.kini d xa hai ngdycangphdtti€n, vd mfc dOliD tuemgcnangudi danviLoqut tin dungngdy cdngduqcnangcao.TDynhienvti ien lt "v0t b6t ly (hrn" ve tian g0i tronSfrdi gianngi! thi cd fta kip st drrngchon}itrg phu@g6nsanxuit kinl doarhholc chi liiu giadinl vi vqy Liangti c6 ky h?nI lhanSra I rhan8chiim caocdncdckt hanLhiicrhirMp ronSrdngv6nhu) dang.Nam2005riin gti c& ki henkldc der 1.927.000.000 d6ngchiiin 19%t6ngv,inhuydOng Ndn 2006dal2.0?5.000.000 d6ngttng 14E.000.000 d6nguong drJdng?,7%sonin trodc va chiem16,9%r6ng v6n buy dons.NIn 2007dal 2.740.000.000 ddngung 665.000.000 ddnsuons dumg 32,1%solam lrudc chii:m16%d.B v6n huy dong GVHDNsuyan nin&i ftIt Huyd6ng v6n theo ki hln gni nth 2007 Hlbb 2.6:Bi6nd6 huydongv6nth€ok' b?! s'li DIm 2007 2.2.3.3 PheDfcb |ni suelhuy.longvoo TiaDgti t?i qui tin dltngnhandAnxa Long Etc chi c6 I loqi b cOk' hqn Nhmg van c6 mtc lai suit 6p dungcho ti6n grii khongki h4n.Lai suAtfian gli l(n6ngkt h9n$udng ld 0,25%vd lti su6tndy qua3 nrm cnnggiao dongd mfc 0.25%-0.3%0116!g Mtc ldi su6tniy dndgdCsn dungkhi kh6chhdngden.(rl tiCn Tiirn sli c6 ki h4ndds {r{c hienphanchiatheo.hiau k} hansam c6 kt henI li{ng, thdng thfng, thing, ll)rng, ll)rng, thrng, thdng,9 th6n& l0 rh6n8.I I rh6ng.12rhdn8 Thudngrhr6pdunemuclaisuit ran8di! theoki hen gti CimgL6$di diamlai suit cd ki h"n d rii li hanlienlia?nnaucocing mnc lai suit CtDgnhu lai suit k}6ng ki hen,Ei su:t c6 ki hanthudngd nfc kh6ng c& hm sovdi cdcnganhangthumg miti kl'6c o anki y h r nl - b r h l n g l aci u i t l o , t r i s u d r h u y d o n g p h d b :l C 0,8?7ol1h6ng, lo4i k' h4n?-12lhit g hi suil 0,825-0,87%/1htng cvnD: Nsuft rni rhatrhrhut 2.2.4.Ddrh giAhie! qun huy dolg v6n th6ngquac6ccbl ti€u HiCuquahoatdonghuy dongv6n duqcxen x€t quanhiauyaut6, n6 c6 th6 duqcdnl toAnbdngc6ccht lieu qr ft€ mmg tinh dinhluqng,hoacth6hifn quakla ndnSrhuhntlJl6chhang.liec thltchidnmucrieukinhra xa hOitheodinl hudns cnadidphudg TrongdAlAinAyemchl dlng c6cchi s6mmg tinh dinhluqngda d6nhgi6hi€uquAho41donghuy dongv6n mot ciichkh6iqutt Bntrs2.?:D4obgiAhilu qudhoatdOrghuyttingv6Dqur ntm Cbitiau v6trhuydoos laltD/TNV \aED/DNCV NAb 2005 Nnn 2007 10.353 1.t.428 N[n2006 Trding E.160 Tr d6ng 5.4.19 6.143 10.139 Trdong 7.307 9.188 lt.9E1 Tr dOng L200 r.900 1.600 66,7 65,1 YD t4,7 13,4 84,6 13,4 I t,9 u Y6! huyitiog / t6ns!gu6nv6n chiGu naychobi6tnsuAnv6nqut tin dlDsc6phuthuocviLov6nhuydone haykh6Dg.Ti lCphu $uoc cnngnhiauthi cdngt6t vA n6 phdi chi6mt' tgng v6ntht n6i t6tchoqut tin dlng Qua3 nim trgronv6tr klodng70-80%dDgDgudn v5trhuydongcnaqut tin dunst{ns nhhs 'hung vAnchi6n $ transtudngd(ti t onsdns ngudrv6nhuydor8.Nam2005la 66,7%,nam2006siAn xu6nscdn 65,1010, s6girmkn6ngddngkC,sdg ndm200?d 75,5%.Dd iluqcnhuv6ylAdo quytin 4ng dakhiicphvciluqcnhtngh?nchdquacrc ndnva d! drngduqcnhiau bienlhdp tich clrctrcngd6 qm 1r9ngln chi6nluqckn6chhang,hi sudtduqc6p dungtlug va kip thdi.Tuynhientt le nAychuadalmtichieuquacao,vi v6yqui t6chuydongv6ncaohonnia lin dungcin tlchcucdiy menhcOng * V6nhuydotrgtrtu du trqchovsy ddnsv6trhuydotrs,la chiticu chi licu nnyxacdinhiieu qui diu rtrcta mO1 chota bi& kla niig luy ttOngv6ncnaqut lin dlDgcd d6pfng nhucAuchovay Ta rhly q E n6rn2OO5 b 74,4vq^am2AA6lAn,4% cnakh6chhanghayl(116ng cvHD Nsuyan Ini ]rHh rhui v6n chothiv linhhinhhuvrlOng chigidn 1%,nrD 200?b 84,6% Qu.chitieuniLy cnaquy1indrDedianra khar6t.ddPtng tltdc ken 70%vi5nchovav hdngnin ' Vi5n lr€n 16og"godnv6n "uy chi tieu niLyph,inanhmtc il6 phulhuOccia qut lin dungvaov6n vat cna6 chnctin dunghaynSanhi.s th(eg nai khdcDhdlhi ndo.56 lieu lren chota th,v nrtc dOphuihu6cl,i ldOnecao,qua3 fim thi c6 hienluqng8iam.Nam2005 tdng4,3%,saDsnno 2007eian xu6ngcdt I1,9% sangnan 2006laL18.4% 14,7% Ti lCndyeiiLmcho rhiy qut tin dlns di huy dongv6n kha al, it s'r ,tqngv6n uuv daddping nhuci! 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luan,en da dnckel chomlnh bAihac kinh nghiem v0 citrg qui gi6 D6 ]n phd nhietdqhtrongc6ngvi€c,4n ttnh gifp d0 mgi ngudi, phaihoin thidnkni nrnegDoliap crlamintl vd phdic,i Einghiiu rinl cdchcr)a ddngnghiepda tninl nhtne viec d{ng fi6c xay ra, nhu thit mti c6 lhe trd thaorr ngtrdinl6n vien t6t T4i qut 1indungem da h9c hdi duqc cdchgiao ddpcnacdc anhchi trongcs quo hiu h6t cacantrctri rdrvui vi tUanthientich su, e nh& cvHD:Nslritrrhrrhrnhrhut Trcngcongviecng b6n thahienfinhthAndoark6l t6ch nhien,ha stn ldngginp d0nhaudEhoatrtharhDlien v{ chug QM qudtrinnphanfcl nslicn ctu va tinh hinhhuy donsv6nhi quytin dungemdah9cduqcthcmnhilu diaum6i la Ld sinhviennganhk€ tofn dodh nghigp$t nhlng hiaubidrvAtSrr hdnscnngnhu(n drnglhi hoh tonns b d6i vdi en, rhtng nChie!\T!ph6trinhcnngnhunhtngnghiepru kCto6nlhi theoquy dinhricnscta nBAnhnngNld nu6c,kh6nssi6nsvdi ka b,n dodh nshiCp Qua ph6ntichva huydonsv6nemdahiaudemvecAchthlc huydotrgv6ncnaqut dn dungcing nhum,nchi suAtmdqut lin du.g dd6pdungtrcngnnlrlg nan quaEm c{ruth6ngquachitieucnan6, clng duqcbiatthemvaviecd,nhgi6vin daDghiCD d! 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thdi eio c,i citu bOddni5n noi da gdi ldi cdn m d€nw qud dahudngdtr sinhvienthvciap Nhatrudngcenchndonghqntrors viecnm K€n noi thuclan chosinl vien tl'itrgvdi clNyCnngenhlon D6i vdi sinhvicn kho6cu6infid!roadscih hd th€mnh'Auldp dio ho kt nargxin viecchosinhvienthvc hdnh.Nhatrudngchl dongtiong c6cm6i quanhi vdi do6lr nghiepgi[p chosinhviCnc6cd hoi viechm 16tlm cvsD: Nrly;trrhi Tharn.rhut TAI LIEUTHAMKHAo S6chNghie!r1rqut tin dungnhandanqDyen2 cnaNganhdngnhnnudc vicl Nd Ia tdi lieu danhchoc{c lo! daot4oc6nbo Qugrin dws D}atrdaq }Ia Noi-2007_ Vln kiendqihoithutmgnienqut tin drngnhandanxeLongECctras 2005.2006.200? 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