Khóa luận tốt nghiệp Quản trị kinh doanh: Phân tích kết quả hoạt động kinh doanh tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Chi nhánh huyện Gò Quao

Khóa luận tốt nghiệp Quản trị kinh doanh: Phân tích kết quả hoạt động kinh doanh tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Chi nhánh huyện Gò Quao được thực hiện nhằm phân tích thực trạng hoạt động của Ngân hàng, cụ thể tình hình hoạt động huy động vốn và hoạt động cho vay. Nguồn vốn huy động chủ yếu từ dân cư, các tổ chức kinh... Đề tài Hoàn thiện công tác quản trị nhân sự tại Công ty TNHH Mộc Khải Tuyên được nghiên cứu nhằm giúp công ty TNHH Mộc Khải Tuyên làm rõ được thực trạng công tác quản trị nhân sự trong công ty như thế nào từ đó đề ra các giải pháp giúp công ty hoàn thiện công tác quản trị nhân sự tốt hơn trong thời gian tới.

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8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 Giang viSn hi«hig dan: ThS BUI CAO NHAN 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 Hfu Giang, thdng 07 nam 2012 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 LOI CAM TA Ket thuc khoa hoc nam la nhung thang miet mai tren giang duong Dai hoc V6 Truong Toan noi chua dung biet bao ki niem vui, buon, kho khan va ca niem tu hao ve ngoi truong than quen ma minh da gan bo suot thoi gian qua Noi co nhung thay co va ban be Tat ca se dong lai em mot hoi uc tot dep ma em khong bao gio quen duoc Nhan day em xin chan cam on quy thay co truong Dai hoc V6 Truong Toan, dac biet la thay co khoa Kinh te - Quan tri kinh doanh da khong quan kho khan, vat va de trang bi cho dan em than yeu nhung kien thuc huu dung truoc vao cuoc song Em xin chan cam on thay Bui Cao Nhan da tan tinh huong dan khoa luan va chia se ca kinh nghiem cuoc song de em hoan tot khoa luan, kinh nghiem song va lam viec duoc tot hon Ben canh em cung chan cam on den cac co, chu lam viec tai Ngan hang Nong nghiep va Phat trien Nong thon chi nhanh huyen Go Quao da tan tinh huong dan, giup em qua trinh thuc tap de hoan khoa luan cua minh Mac du da co nhieu co gang nhung thoi gian co han va sir hieu biet han ch^ nen khoa luan khong tranh khoi nhung thieu sot Rat mong thay co, cac anh chi gop y de khoa luan duoc hoan thien hon Em kinh chuc thay co, cac anh chi luon doi dao sue khoe va cong tac tot 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 Chan cam on! 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b Hau Giang, 25 thang 07 nam 2012 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e Sinh vien thuc hien d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 Lam Thu Cue ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 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c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 LOI CAM DOAN Toi xin cam doan khoa luan "Than tich ket qua hoat dong kinh doanh tai Ngan hang Nong nghiep va Phat trien Nong thon Chi nhanh huyen Go Quao" la cong trinh nghien cuu ciia ban than duoi su huong dan cua thay Bui Cao Nhan Toi xin cam doan rang de nay la chinh toi thuc hien, cac so lieu thu thap va ket qua phan tich de tai la trung thuc, de tai khong trung voi bat cu de tai nghien cuu khoa hoc nao Hau Giang, 25 thang 07 nam 2012 Sinh vien thuc hien Lam Thu Cue 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 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sinh vien Lam Thu Cue bao cao khoa luan truoc Hoi dong bao ve khoa luan ciia Truong Hau Giang, 25 thang 07 nam 2012 Giao vien huong dan Bui Cao Nhan 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 in d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 TOM TAT Truoc dien bien khon luong ciia nen kinh te, Viet Nam hoi nhap vao nhieu to chuc kinh te the gioi nen ma nhieu co hoi va thach thuc Nganh ngan hang ciing khong nam ngoai boi canh Ngan hang Nong nghiep va Phat trien Nong thon Viet Nam canh tranh voi rat nhieu cac Ngan hang co von dau tu va ngoai nuoc mire canh tranh cang khoc liet De tai "Phan tich kit qua hoat dong kinh doanh tai Ngan hang Nong nghiep va Phat trien Nong thon Chi nhanh huyen Go Quao" duoc thuc hien nham phan tich thuc trang hoat dong ciia Ngan hang, cu the tinh hinh hoat dong huy dong von va hoat dong cho vay Nguon von huy dong chii yeu tu dan cu, cac to chuc kinh te va to chuc tin dung Phan tich hoat dong tin dung nham danh gia tinh hinh cho vay, thu hoi no, du no hay no qua han thoi gian qua Qua cac phan kinh te, to chuc tin dung, dan cu va thoi gian nhu ngan han, trung va dai han suot giai doan 2009 -2011 De danh gia ket qua hoat dong kinh doanh cua Ngan hang, ta can tien hanh phan tich doanh thu, chi phi, loi nhuan va phan tich cac chi tieu tai chinh giai doan 2009 - 2011 Ngoai ra, de tai di sau vao phan tich cac nhan to anh huong den ket qua hoat dong kinh doanh Tir giup Ngan hang chii dong ung phu hop voi thuc te, khac phuc kho khan va han che riii ro den mire thap nhat Ngoai ra, chung ta can chii y den cong tac to chirc ciia can bo cong nhan vien, vi ho la hat nhan co cau to chirc Qua viec tim hieu, phan tich va danh gia thuc trang kinh doanh ciia Ngan 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 hang NHNoGQ de de cac giai phap phu hop voi tinh hinh thuc te ve djnh huong phat trien va muc tieu chung ciia NHNo&PTNT tinh Kien Giang, chien luge phat trien kinh te xa hoi dia phuong tir xay dung phuong huong va giai phap cu the cho cac giai doan tiep theo 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e Tranh thu duoc sir ung ho ciia NHNoPTNT Tinh Kien Giang tao thuan loi ve nguon von dap irng cho nhu cau cho vay, ciing voi sir sir quan tam chi dao ciia cap liy, chinh quyen dia phuong, sir phoi hop ciia cac ban nganh huyen da tao dieu kien cho Chi nhanh phat huy nang lire kinh doanh d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e NHNoGQ can phai day nhanh toe tang truong nguon von va coi day la muc tieu hang dau Tich cue tang truong du no, dac biet la nang cao chat luong tin dung, chuyen dich co cau dau tu mang hieu qua cao, dam bao can doi an toan von, mo rong va nang cao chat luong dich vu, tao kha nang sinh loi, nang cao nang lire tai chinh nham giup Ngan hang phuc vu khach hang duoc tot hon, mo rong doi tuong cho vay, nang cao ket qua hoat dong kinh doanh ciia Ngan hang 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 IV d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 MUC LUC LdlCAMTA L6l CAM DOAN NHAN XET CUA GlAO VIEN HU'CJNG DAN i ii iii TOM TAT iv MUC LUC v DANH MUC BIEU BANG viii DANH MUC HINH ix DANH MUC TU'VIET TAT x phAn m6 dAu 1.1 DAT VAN DE NGHIEN CU'U 1.1.1 Sir can thiet nghien cuu 1 1.1.2 Can cu khoa hoc vathuc tien 1.2 MUC TIEU NGHlfiN CU'U 1.2.1 Muc tieu chung 3 1.2.2 Muc tieu cu the 1.3 CAU HOI NGHIEN CU'U 1.4 PHAM VI NGHIEN CU'U 1.4.1 Khong gian 1.4.2 Thoi gian 1.4.3 Noi dung nghien ciru 1.5 LU'OCKHAOtAi LIEU 4 phAnnOidung CHU'ONG PHUONG PHAP LUAN VA PHUONG PHAP NGHIEN CU'U 1.1 PHUONG PHAP LUAN 1.1.1 Mot so phuong phap luan ve hoat dong kinh doanh 1.1.1.1 Khai niem ve phan tich hoat dong kinh doanh 1.1.1.2 Muc tieu cua phan tich hoat dong kinh doanh 1.1.1.3 Doi tugng va noi dung phan tich hoat dong kinh doanh 1.1.1.4 Y nghla ve phan tich hoat dong kinh doanh 1.1.2 Ngan hang thuong mai va hoat dong kinh doanh Ngan hang 1.1.2.1 Ngan hang la gi? 1.1.2.2 Djnh nghla Ngan hang thuong mai 1.1.2.3 Chirc nang ciia Ngan hang thuong mai 1.1.3 Hoat dong huy dong von 1.1.3.1 Huy dong von bang nhan tien gui 1.1.3.2 Huy dong von bang vay von giua cac to chirc tin dung 1.1.3.3 Vay von cua Ngan hang Nha nuoc 1.1.3.4 Cac chi tieu phan tich 1.1.4 Hoat dong tin dung 1.1.4.1 Khai niem, dinh nghla ve tin dung 1.1.4.2 Phan loai tin dung ngan hang 1.1.4.3 Cac chi tieu danh gia tinh hinh cho vay 1.1.5 Hoat dong dich vu 1.1.6 Hieu qua hoat dong kinh doanh ciia ngan hang 1.1.6.1 Thu nhap ciia ngan hang 6 6 6 7 8 12 13 13 14 14 15 15 16 16 18 19 19 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 v d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 1.1.6.2 Chi phi ciia ngan hang 1.1.6.3 Lai nhuan ciia ngan hang 1.1.6.4 He thong cac chi tieu danh gia hieu qua kinh doanh cua ngan hang thuong mai 1.2 PHUONG PHAP NGHIEN CU'U 1.2.1 Phuong phap nghien cuu 1.2.2 Phuong phap thu thap so lieu 1.2.3 Phuong phap phan tich so lieu 20 21 21 23 23 23 23 CHU'ONG 25 PHAN TICH THUC TRANG HOAT D0NG KINH DOANH TAI 25 ngAn hAng n6ng nghiep vA phAt TRIEN nong thon chi nhAnh huyen GO QUAO 25 2.1 TONG QUAN VE NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN GO QUAO 25 2.1.1 Lich su hinh va qua trinh phat trien Ngan hang Nong nghiep va Phat trien Nong thon Viet Nam 25 2.1.1.1 Lich sir hinh va phat trien ciia Ngan hang Nong nghiep va Phat trien Nong thon Viet Nam 25 2.1.1.2 Mo hinh to chirc va mang ludi chi nhanh 26 2.1.1.3 Vai net ve dac diem hoat dong tin dung ciia NHNo&PTNTVN 26 2.1.2 Gioi thieu chung ve Ngan hang Nong nghiep va Phat trien Nong thon chi nhanh huyen Go Quao 27 2.1.2.1 Gioi thieu chung 27 2.1.2.2 So co cau to chirc 28 2.1.2.3 Nhiem vu va chuc nang cac phong ban 2.2 TINH HINH HUY D0NG VON TAI NHNoGQ GIAI DOAN 2009 - 28 2011 29 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 2.2.1 Phan tich nguon von 2.2.2 Co cau nguon von 29 31 2.3 TINH HJNH HOAT D0NG TIN DUNG TAI NHNoGQ GIAI DOAN 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 2009 - 2011 36 2.3.1 Doanh so cho vay 39 2.3.1.1 Doanh so cho vay theo loai hinh kinh te 39 2.3.1.2 Doanh so cho vay theo thoi han 41 2.3.2 Doanh so thu ng 43 43 2.3.2.1 Doanh so thu ng theo loai hinh kinh te 45 2.3.2.2 Doanh so thu ng theo thoi han 46 2.3.2.3 Doanh so thu ng theo linh vuc 2.3.3 Dung 47 2.3.3.1 Dung theo loai hinh kinh te 47 2.3.3.2 Du ng theo thoi han 48 49 2.3.3.3 Du ng theo lTnh vuc 2.3.4 Chi tieu danh gia hoat dong huy dong von tai NHNoGQ nam 2009 - 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 2011 51 2.3.5 Danh gia hieu qua hoat dong tin dung 2.3.5.1 Ty le tong du ng tren tong nguon von 52 53 2.3.5.2 He s6 thu ng 53 vi ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 2.3.5.3 Ty le tong du ng tren tong nguon von 2.3.5.4 Vong quay tin dung 2.3.5.5 Ty le ng qua han tren tong du ng 2.3.6 Phan tich cac chi so tai chinh 54 54 55 55 2.3.6.1 Ty suat chi phi tren doanh thu 55 Error! Bookmark not defined 2.3.6.2 He so sir dung tai san 2.3.6.3.Ty suat lgi nhuan tren tai san 56 2.3.7 Bao cao ket qua hoat dong kinh doanh ciia NHNoGQ 56 CHU'ONG 60 CAC NHAN TO CHU YEU TAC D0NG DEN KET QUA HOAT D0NG KINH DOANH TAI NGAN HANG NONG NGHIEP VA PHAT TRI^N N0NG THON CHI NHANH HUYEN GO QUAO 3.1 MOI TRU0NG BEN NGOAl NHNoGQ 3.1.1 Moi truong vTmo 3.1.1.1 Moi truong chinh tri va he thong phap luat 3.1.1.2 Moi truong kinh te 3.1.1.3 Moi truong tu nhien 3.2 MOI TRU0NG VI MO 3.1.2.1 Nha cung ung 3.1.2.2 Khach hang 3.1.2.3 Nguy co gia nhap nganh 3.3 MOI TRU0NG BEN TRONG 3.2.1 Cong tac to chirc can bo 3.3.2 Van hoa doanh nghiep 60 60 60 60 62 63 64 64 65 65 65 65 66 CHU'ONG ' 67 M0T SO GlAl PHAP NHAM NANG CAO HIEU QUA HOAT D0NG KINH DOANH TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN GO QUAO 4.1.PHU'ONGHU'0NGCUANHNoGQTU'NAM2O12-2O15 4.2 GlAl PHAP CHUNG CHO HOAT D0NG CUA NHNoGQ 67 67 67 4.3 GlAl PHAP CU THE 4.3.1.Cong tac huy dong von 4.3.2.Cong tac ke toan - kho quy: 4.3.3 Cong tac hau kiem 4.3.4 Cong tac hanh chanh 4.3.5 Cong tac to chirc can bo 4.3.6 Ve phat dong thi dua khen thuong PHAN KET LUAN VA KIEN NGHI 68 68 69 69 70 70 70 71 KET LUAN 71 KIEN NGHI 71 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 2.1.DOI V0INHAnU'0C 71 2.2 DOI V0I H0I S0 CHINH 71 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e 2.3 DOI V0I CHI NHANH NGAN HANG TAl LIEU THAM KHAO 71 73 b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 vu d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 DANH MUC BIEU BANG Bang Bang Bang Bang Bang 2.1: 2.2: 2.3: 2.4: 2.5: Phan loai nguon von tai NHNoGQ giai doan 2009 - 2011 30 Co cau nguon von 31 Tinh hinh huy dong von tai NHNoGQ giai doan 2009 - 2010 32 Phan tich hoat dong cho vay ciia NHNoGQ qua nam 2009-2011 37 Doanh so cho vay theo loai hinh kinh te tai NHNoGQ qua nam (2009-2011) ' 40 Bang 2.6: Doanh so cho vay theo thoi han Bang 2.7: Doanh so thu ng theo loai hinh kinh te tai NHNoGQ Bang 2.8: Doanh so thu ng theo thoi han tai NHNoGQ Bang 2.9: Doanh so thu ng theo lmh vuc tai NHNoGQ Bang 2.10: Du ng theo loai hinh kinh te tai NHNoGQ Bang 2.11: Du ng theo thoi han tai NHNoGQ Bang 2.12: Du ng theo linh vuc tai NHNoGQ 41 43 45 46 47 48 49 Bang 2.13 : Danh gia hoat dong huy dong v6n tai NHNoGQ (2009 - 2011) 51 Bang 2.14: Danh gia hieu qua hoat dong tin dung tai NHNoGQ Bang 2.15: Ty le du ng tren tong nguon von Bang 2.16: He so thu ng Bang 2.17: Ty le du ng tren tong nguon von Bang 2.18: Ng qua han tren tong du ng Bang 2.19 : Cac chi so tai chinh tai NHNoGQ Bang 2.20: Ket qua hoat dong kinh doanh tai NHNoGQ 52 53 53 54 55 55 57 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 Vlll d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 DANH MUC HINH Hinh 1.1: Chirc nang trung gian tin dung Hinh 1.2: Chirc nang trung gian toan Hinh 2.1: So co cau to chirc 28 Hinh Hinh Hinh Hinh Hinh Hinh 2.2: 2.3: 2.4: 2.5: 2.6: 2.7: Bieu nguon von va co cau nguon von Bieu huy dong von theo ky han Bieu tinh hinh theo hinh thuc huy dong Do thi hoat dong tin dung tai NHNoGQ Bieu doanh so cho vay theo loai hinh kinh te Bieu doanh so cho vay thao loai hinh kinh te 30 33 34 37 40 42 Hinh Hinh Hinh Hinh Hinh Hinh Hinh 2.8: Bieu doanh so thu ng theo loai hinh kinh te 2.9: Bieu doanh so thu ng theo thoi gian 2.10: Doanh so thu ngtheo lTnh vuc tai NHNoGQ 2.11: Du ngtheo loai hinh kinh te 2.12: du ngtheo thoi han 2.13: Dung theo lTnh vuc 2.14: Bieu tinh hinh Ng qua han/Du ng tai NHNoGQ 44 45 47 48 49 50 51 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 IX d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ CHUONG CAC NHAN TO CHU YEU TAC D0NG DEN KET QUA HOAT DONG KINH DOANH TAI NGAN HANG NONG NGHIEP VA • • • PHAT TRIEN NONG THON CHI NHANH HUYEN GO QUAO 3.1 MOI TRUONG BEN NGOAI NHNoGQ Mdi trudng ben ngoai (ca vi md Ian vi md) bao gdm rat nhieu yeu td, ma muc dich cua nghien cuu mdi trudng ben ngoai nham nhan dien nhung co hdi ciing nhu nhirng nguy co anh hudng den hoat ddng ciia Ngan hang Vi vay, nghien cuu mdi trudng ben ngoai khdng dat ham vong nghien ciiu tat ca cac yeu td ciia mdi trudng, ma chi gidi han nghien cuu nhung yeu td cd anh hudng that sir ddi vdi Ngan hang Mdi trudng ben ngoai thudng xuyen thay ddi, keo theo nhirng tac ddng den Ngan hang cung thay ddi, de dam bao cho qua trinh kinh doanh cang hieu qua thi phai tien hanh nghien cuu mdi trudng ben ngoai thudng xuyen, lien tuc de giiip Ngan hang cd nhung giai phap phu hgp ddi phd vdi nhung thay ddi tir mdi trudng ben ngoai 3.1.1 Moi truong vi mo De hoat ddng cang tdt han, hieu qua han thi chiing ta can chii y den nhieu khia canh ben ngoai tac ddng den Cd rat nhieu nhan td anh hudng den ket qua hoat ddng cua Ngan hang Sau day trinh bay mot sd nhan td anh hudng true tiep den Ngan hang 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 3.1.1.1 Moi truong chinh tri va he thong phap luat bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d Nhung quy dinh ciia phap luat cd anh hudng den hoat ddng ciia Ngan hang (Phap luat, Chinh phii, cac xu hudng chinh tri va ddi ngoai) 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e - Theo Nghi dinh Sd 41/2010/ND/-CP ve chinh sach tin dung phuc vu phat trien ndng nghiep, ndng thon Ngay 12 thang 04 nam 2010 trich dieu Chinh sach hd trg cua Nha nude: "Chinh phii cd chinh sach khuyen khich, hd trg cho viec vay ddi vdi lTnh vuc ndng nghiep, ndng thon thdng qua cac edng cu dieu hanh chinh sach tien te, chinh sach xu ly riii ro phat sinh tren dien rdng lTnh vuc ndng nghiep, ndng thon va cac chinh sach cu the khac tirng thdi ky" d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 "Thuc hien chinh sach tien te chat che, than trong, phdi hgp hai hda giua chinh sach tien te va chinh sach tai khoa de kiem che lam phat; dieu hanh va kiem soat de bao dam tdc dd tang trudng tin dung nam 2011 dudi 20%, tdng phuong tien toan khoang 15 - 16%; tap trung uu tien vdn tin dung phuc vu phat trien san xuat kinh doanh, ndng nghiep, ndng thon, xuat khau, edng nghiep hd trg, doanh nghiep nhd va vira; giam tdc dd va ty vay vdn tin dung ciia c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 60 SVTH: Lam Thu Ciic b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ khu vuc phi san xuat, nhat la lTnh vuc bat ddng san, chiing khoan" Theo dieu 1: Thuc hien chinh sach tien te chat che, than trong so 11/NQ-CP ve nhung giai phap chii yeu tap trung kiem che lam phat, dn dinh kinh te vi md, bam bao an sinh xa hdi Ngay 24/02/2011 Thuc hien ke hoach phat trien kinh t£ - xa hdi va du toan ngan sach nha nude nam 2011 Tuy nhien, tinh hinh kinh te the gidi hien dang dien bien phuc tap, lam phat tang, gia dau thd, gia nguyen vat lieu co ban dau vao ciia san xuat, gia luong thuc, thuc pham tren thi trudng the gidi tiep tuc xu hudng tang cao Trong nude, thien tai, thdi tiet tac ddng bat lgi den san xuat va ddi song; mot sd mat hang la dau vao quan ciia san xuat nhu dien, xang dau van chua thuc hien day dii theo co che gia thi trudng budc phai dieu chinh tang; mat khac, chiing ta phai ndi long chinh sach tien te, tai khoa de ngan chan suy giam, tri tang trudng kinh te thdi gian qua Tinh hinh tren day da lam gia ca tang cao, tang nguy co mat dn dinh kinh te vT md ciia nude ta Vi vay, tap trung kiem che lam phat, dn dinh kinh te vi md, bao dam an sinh xa hdi la muc tieu, nhiem vu tam, cap bach hien Trudc nhung khd khan tren Chinh phii da tap trung moi nd lire da trien khai hang loat cac giai phap de ngan chan kim che lam phat, dn dinh kinh te vT md, dam bao an sinh xa hdi Yeu cau cac nganh cac cap trien khai va thuc hien nghiem tuc Nghi quyet sd 11/CP 24/02/2011 Bang sir cd gang quyet tam ciia toan the can bd va nhan thai gian qua, tinh hinh kinh te xa hdi cd nhung budc dn dinh, kinh te tiep tuc phat trien, lam phat da dugc day lui, gia ca cac mat hang hda cd chieu hudng giam Ngan hang nha nude da chi thi cac ngan hang thuong mai, ddng loat tran lai suat tien gui, tien vay, cung chung tay chia chia se khd khan vugt qua thach thuc vung budc tien len dn dinh san xuat va phat trien Tir tinh hinh kinh te xa hdi neu tren da cd tac ddng khdng nhd den hoat ddng ciia hoat ddng ciia NHNoGQ 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 + Thuc hien chinh sach tien te chat che, than trgng, phdi hgp hai hda giua chinh sach tien te va chinh sach tai khoa de kiem che lam phat; dieu hanh va 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 kiem soat de bao dam tdc dd tang trudng tin dung nam 2011 dudi 20%, tdng phuong tien toan khoang 15 - 16%; tap trung uu tien vdn tin dung phuc vu phat trien san xuat kinh doanh, ndng nghiep, ndng thon, xuat khau, edng nghiep hd trg, doanh nghiep nhd va vira; giam tdc va ty vay vdn tin dung ciia khu vuc phi san xuat, nhat la lTnh vuc bat ddng san, chiing khoan d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 + Kiem soat chat che hoat ddng kinh doanh vang; quy II nam 2011 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 trinh Chinh phii ban hanh Nghi dinh ve quan ly hoat ddng kinh doanh vang theo 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 hudng tap trung dau mdi nhap khau vang, tien tdi xda bd kinh doanh vang mieng df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 tren thi trudng tu do; ngan chan hieu qua cac hoat ddng budn lau vang qua bien ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 gidi 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 61 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ Nhung quy dinh dieu tiet vT md nen kinh te ciia Chinh phii cd anh hudng tieu cue den qua trinh hoat ddng kinh doanh ciia NHNoGQ Thu nhat, Ngan hang se tang cudng hoat ddng cho vay vdi miic lai suat uu dai danh cho nhung ddi tugng theo quy dinh khuyen khich phat trien ndng thon ciia Chinh phii, giam muc doanh thu so vdi viec cho vay d cac ddi tugng khac Thu hai, vdi chinh sach that chat tien te ciia Chinh phii han che hoat ddng tin dung ciia Ngan hang 3.1.1.2 Moi truong kinh te * Toe tang trudng kinh te Tdc dd tang trudng kinh te bieu hien qua xu hudng ciia tdng san pham quoc ndi (GDP) Sd lieu ve tdc dd tang trudng ciia GDP hang nam se cho biet tdc dd tang trudng ciia nen kinh te va tdc dd tang thu nhap binh quan dau ngudi 'Tdng san pham nude (GDP) quy I nam 2012 theo gia so sanh 1994 udc tinh tang 4,00% so vdi cung ky nam 2011, dd khu vuc ndng, lam nghiep va thuy san tang 2,84%, ddng gdp 0,33 diem phan tram; khu vuc edng nghiep va xay dung tang 2,94%, ddng gdp 1,27 diem phan tram; khu vuc dich vu tang 5,31%, ddng gdp 2,40 diem phan tram" (Tdng cue thdng ke - 2012) Khi tdc dd tang tang trudng kinh te tang, cac hoat ddng kinh doanh ciia da phan cac td chuc nen kinh te dang phat trien theo chieu hudng tich cue Chinh vi the, hoat ddng tin dung cua Ngan hang cung dugc tac ddng theo nhu cau vay vdn md rdng dau tu kinh doanh cung tang len Nhu vay, tdc dd tang trudng kinh te anh hudng tich cue den hoat ddng kinh doanh ciia Ngan hang Nhung nha lanh dao cua NHNoGQ can thuc hien cac giai phap hieu qua nam bat co hdi de hoat ddng kinh doanh ciia Ngan hang cd the phat trien hon nua nhung nam sap tdi 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d * Muc lam phat 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 Muc dd lam phat cao hay thap cd anh hudng den tdc dd dau tu vao nen kinh te Khi lam phat qua cao se khdng khuyen khich tiet kiem va tao nhung 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 riii ro ldn cho dau tu ciia cac doanh nghiep, sue mua ciia xa hdi cung bi giam siit va nen kinh te bi dinh tre Trai lai thieu phat cung lam cho nen kinh te bi dinh tre Viec tri mot ty le lam phat vira phai cd tac dung khuyen khich dau tu vao nen kinh te, kich thich thi trudng tang trudng Ty le lam phat dugc bang ty le thay ddi cua chi sd gia tieu dung (CPI) 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e ^Chi sd gia tieu dung vao cudi thang 12 nam 2011 so vdi thang 12/2010 b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 tang 18,13% Chi sd gia tieu dung binh quan nam 2011 la tang 18,58% so vdi binh quan nam 2010" (Tdng cue thdng ke - nam 2012) 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f Ddi vdi Ngan hang, lam phat xay anh hudng den viec huy ddng vdn va cho vay, cu the nhu: ty le lam phat tang nen ngudi dan khdng mudn tiet kiem hay 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab ndi each khac la ngudi dan khdng mudn gui tiet kiem ngan hang Khi do, cd the 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 62 SVTH: Lam Thu Ciic b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ dan den riii ro tin dung, vi ngudi gui tien cd tam ly lo sg ddng tien ciia minh bi mat gia gui ngan hang, nen ho mudn rut tien dau tu vao nhung lTnh vuc sinh ldi khac cao hon nhu dau tu vao bat ddng san hay mua hang hda chua cd nhu cau Song, ddi vdi ngudi di vay ho mudn gia tang nhu cau vay vdn va keo dai thai han vay Lam phat xay lam mat can bang viec Ngan hang di huy ddng vdn va cho vay, anh hudng true tiep den lgi nhuan ciia Ngan hang * Lai suat va xu hudng lai suat Nhung yeu td cd anh hudng tdi xu the tiet kiem, tieu dung va dau tu, do anh hudng tdi hoat ddng ciia cac doanh nghiep Lai suat anh hudng true tiep va rat ldn den muc lgi nhuan ciia cac doanh nghiep Lai suat tang se han che nhu cau vay vdn de dau tu md rdng hoat ddng kinh doanh Ddng thai, lai suat tang ciing se khuyen khich ngudi dan gui tien vao Ngan hang nhieu han, nen cung se lam cho nhu cau tieu dung giam xudng Tai Viet Nam, lai suat ciia Ngan hang Nha nude cd mdi quan he chat che vdi lai suat huy ddng vdn va cho vay vdn ciia cac Ngan hang thuong mai Do nhirng dien bien phiic tap ciia nen kinh te nude, lam phat tang cao, Ngan hang Nha nude thuc hien chinh sach that chat tien te, lai suat co ban 9% van d miic cao dan den lai suat huy ddng vdn va cho vay ciia Ngan hang thuong mai cung cao Chinh muc lai suat cao da kich thich ngudi dan giii tiet kiem nhieu hon, hoat ddng huy ddng vdn dugc nang cao Trong do, hoat ddng cho vay lai gap khd khan Vi vay, lai suat va xu hudng ciia lai suat anh hudng tieu cue den hoat ddng kinh doanh ciia Ngan hang 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 3.1.1.3 Moi truong tu nhien 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 *Vj tri dia ly df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b Huyen Go Quao la mot huyen ciia tinh Kien Giang, Bac giap huyen Chau 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 Thanh va huyen Gidng Rieng, phia Tay Bac giap song Cai Ldn, phia Tay Nam giap huyen VTnh Thuan, phia Nam giap tinh Bac Lieu, phia Ddng giap tinh Hau Giang 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 Dien tich: 439.47 km2 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 Dan sd: 148.555 ngudi ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b Huyen cd quoc Id 61 ndi lien phd Can Tho - tinh Hau Giang - tinh Kien Giang; tuyen de bao O Mdn - Xa No; dudng thuy phia Nam tir phd Hd Chi Minh di tinh Ca Mau; song Cai Ldn ndi lien dudng thiiy phia Nam 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 cang ca Tac Cau va bien Tay Nam; dudng Hd Chi Minh ndi lien quoc Id 61 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ve Ca Mau, Nam Can ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 * Dieu kien tu nhien, hau d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 63 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ Tinh Kien Giang ndi chung, huyen Go Quao ndi rieng dugc thien nhien uu dai, cd hau nhiet ddi gid mua, ndng am quanh nam Mua bao tap trung tir thang 8-10 hang nam, khdng cd hien tugng suong mudi xay ra, it thien tai, anh sang va nhiet lugng ddi dao Dat dai d Kien Giang phu hgp cho viec phat trien ndng lam nghiep va nudi trdng san, vdi tdng dien tich dat tu nhien la 634.627,21 ha, do: nhdm dat ndng nghiep: 575.697,49ha, chiem 90,71% dat tir nhien (rieng dat liia 354.01 l,93ha, chiem 61,49% dat ndng nghiep); nhdm dat phi ndng nghiep: 53.238,38ha, chiem 8,39% dien tich tir nhien; nhdm dat chua sir dung: 5.691,34ha, chiem 0,90% dien tich tu nhien; dat cd mat nude ven bien: 13.781,11 (la chi tieu quan sat khdng tinh vao dien tich dat tu nhien) Ngudn nude mat kha ddi dao, nhung den mua mua (tu thang den thang 10) phan ldn nude mat ciia tinh deu bi nhiem phen man, vi tri d cudi ngudn nude ngot ciia nhanh song Hau, nhung lai d dau ngudn nude man ciia vinh Rach Gia Toan tinh cd song chay qua: song Cai Ldn, song Cai Be va song Giang Thanh va he thdng kenh rach chii yeu de tieu nude ve mua lii va giao thdng di lai, ddng thai cd tac dung tudi nude vao mua khd •^ Nhin chung, dia ly vi tri va dieu kien tu nhien va hau rat tiem nang va phat trien kinh te da dang va phong phii nhu: kinh te ndng - lam nghiep, edng nghiep, nudi trdng thuy san Huyen Go Quao chii yeu trdng liia nam vu Do huyen cd ty le dat phen cao nen thich hgp phat trien cay khdm, mia, tram Ngoai ra, huyen ke hgp tha nudi torn sii va torn cang xanh cho cac hd dan Ben canh huyen ap dung nhieu md hinh san xuat vao trdng trot va chan nudi nham nang cao ddi song tai dia phuong va ngudi dan ciing khdng ngung ap dung khoa hoc ky thuat vao san xuat ciia minh 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 Nhan dang dugc the manh phat trien ciia dia phuong va xu hudng phat df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d trien thj trudng Ngan hang nen manh dang md rdng ddi tugng cho vay va dau tu vao nhirng du an kinh doanh hieu qua nham dau tu vao diing ddi tugng, sir dung vdn cd hieu qua va hai ben deu cd lgi Chinh vi the, mdi trudng tu nhien cd anh hudng tich cue den hoat ddng kinh doanh ciia Ngan hang 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 3.2 MOI TRUONG VI MO 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 3.1.2.1 Nha cung irng 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b Ddi tugng cung cap ngudn tai chinh chii yeu cua NHNoGQ chinh la 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 nhung ca nhan hoac td chiic cd miic thang du ve tai chinh c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 Hien nay, tinh Kien Giang dang thuc hien nhieu chinh sach phat trien kinh 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 te cho dja phuong theo diing dinh hudng phat trien ciia Nha nude Chinh vi the, df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 tirng khu vuc ciia tinh dd cd huyen Go Quao deu tich cue tham gia cac hoat ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 ddng san xuat, kinh doanh mang lai nhieu ket qua tich cue, thu nhap ciia ngudi 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 dan huyen ciing cang cao f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 64 SVTH: Lam Thu Ciic b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ Cung vdi nhirng chinh sach cua Chinh phii dieu tiet nen kinh te, han che lam phat la miic lai suat huy ddng kha cao ciia NHNoGQ da khuyen khich ngudi dan gui tiet kiem cang nhieu hon Day la y£u to anh hudng tich cue den hoat ddng huy ddng vdn ciia Ngan hang 3.1.2.2 Khach hang Ddi tugng khach hang ciia NHNoGQ la nhung ca nhan va to chuc dang thieu hut ve tai chinh, dac biet la nhung ngudi dang tham gia vao lTnh vuc ndng nghiep, ndng thon 3.1.2.3 Nguy co* gia nhap nganh Chii truong nang cao nang lire tai chinh, hieu qua hoat ddng ciia he thdng ngan hang Viet Nam da dugc dua Nghi djnh 141/2006/ND-CP Chinh phii dat Id trinh tang vdn phap dinh ciia cac ngan hang len miic 3.000 ty ddng vao nam 2010 Cung vdi qua trinh nay, Ngan hang Nha nude cung lien tuc dua nhung quy dinh budc cac ngan hang phai nang cao tieu chuan an toan hoat ddng va kha nang toan nhu Quyet dinh 493/2005/QD-NHNN ve trich lap dir phdng chung va du phdng cu the, ban hanh Thdng tu 13 va Thdng tu 19 nam 2010 de cac tieu chuan ty le cap tin dung Vdi nhung quy dinh nghiem ngat ve hoat ddng ciia Ngan hang cung miic vdn dau tu rat ldn nen nguy co gia nhap nganh tu cac ddi thii tiem an la rat thap 3.3 MOI TRUONG BEN TRONG 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 3.2.1 Cong tac to chiic can bo 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 Hien tai trinh Dai hoc la 10 ngudi chiem 41,67% lai la Cao Dang va Trung Cap Hang nam don vi ludn quan tam viec thuc hien huy hoach, sap xep can bd phu hgp vdi nang lire sd tudng ciia tirng ngudi Cong tac chi dao dieu hanh dugc Ban giam ddc thudng xuyen quan tam chi dao sau sac, nhat la viec thuc hien cac van ban, che dd nghiep vu ciia nganh, thuc hien cac chi tieu ke hoach kinh doanh, lay ket qua edng viec la thudc danh gia miic dd hoan edng viec ciia mdi ngudi Song song vdi edng viec dugc giao, Lanh dao don vj thudng xuyen quan tam den nang cao trinh dd, dao due nghe nghiep, tac phong ldi song sinh hoat ciia can bd Tir nhieu nam qua khdng cd can bd nao vi pham ky luat tir khien trach trd len Tuy nhien, ve edng tac can bd ciia Ngan hang mot sd han che la ddi ngu vira thieu vira thira; thieu nhirng can bd gidi tinh thdng nghiep vu, tan vdi edng viec; thira nhung can bd ldn tudi kha nang hoan bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 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29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 nhiem vu chua cao 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 65 SVTH: Lam Thu Ciic b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddngkinh doanh tai NHNoGQ 3.3.2 Van hoa doanh nghiep Van hda doanh nghiep ciia Agribank dua tren nhung tieu chi \q trung thuc, ky cuong, sang tao, chat lugng, hieu qua - Trung thuc: dugc hieu la "diing vdi y nghi cua minh, vdi nhirng gi da cd, da xay hoac thang, that tha" (mot ngudi trung thuc, tinh tinh trung thuc) - Ky cuong: dugc hieu la "nhung phep tat chi phdi cudc song xa hdi, td chuc, gia dinh de gin giu nhung quan he giua ngudi va ngudi khudn kho mot ldi song sinh hoat dugc coi la phu hgp vdi dao due; thdi budi nao, ky cuong ay hoac phep tat, le tuc tao nen trat tir xa hdi: giu vung ky cuong phep nudc'\ - Sang tao: dugc hieu la "lam cai chua bao gia cd hoac tim tdi lam cho tdt hon ma khdng bi gd bd" Ve mat ly luan "sang tao mdi" dugc hieu la mot nhan td ben trong, phat trien kinh te cung la loai bien ddng ve hoat ddng kinh t£ tir sang tao ben - Chat lugng: dugc hieu la gia tri ve mat lgi ich (ddi vdi sd lugng) NghTa hep ciia chat lugng la chat lugng san pham, nghTa rdng bao gdm ca chat lugng edng viec Chat lugng san pham chi edng dung ciia san pham, nghTa la thich hgp vdi y dinh sii dung nhat dinh, lam thda man dac tinh chat lugng ma nhu cau xa hdi can cd va dd ben theo thdi gian ciia cac dac tinh Chat lugng edng tac: la trinh dd dam bao ciia cac mat edng tac san xuat, ky thuat va td chuc, tao cho san pham dat muc tieu chat lugng va nang cao chat lugng san pham Ngoai bao gdm chat lugng edng tac cua cac quyet sach kinh doanh va chat lugng edng tac chap hanh hien trudng, thudng bang hieu suat edng tac, hieu qua edng tac, chat lugng san pham va hieu qua kinh te ciia cac bd phan va cuong vi edng tac Chat lugng san pham chat lung edng tac quyet dinh, chat lugng edng tac la sir dam bao ciia chat lugng san pham Hai van de vira cd chd khac lai vira cd quan he mat thiet vdi 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 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c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 66 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ CHUONG MOT SO GIAI PHAP NHAM NANG CAO HIEU QUA HOAT DONG KINH DOANH TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN GO QUAO 4.1 PHUONG HUO»NG CUA NHNoGQ TU NAM 2012 - 2015 Khang dinh thi trudng ndng nghiep ndng thon la chidn luge lau dai ciia chi nhanh NHNo&PTNT huyen Gd Quao Tim bien phap tang nhanh tdc dd ngudn vdn, day la muc tieu hang dau nhung nam tiep theo Tap trung nang cao chat luong tin dung an toan va ben vung Uu tien vdn cho nhu cau cho vay phat trien san xuat ndng nghiep ndng thon, cho vay hd san kinh doanh , doanh nghiep nhd va vira Phat trien cac dich vu ngan hang tien ich mang thuong hieu Agribank dua tren nen tang edng nghe thdng tin hien dai, dii nang lire canh tranh va hdi nhap 4.2 GIAI PHAP CHUNG CHO HOAT D0NG CUA NHNoGQ Bam sat cac dinh hudng va muc tieu va cac giai phap chi dao ciia NHNo&PTNT tinh Kien Giang, chien luge phat trien kinh te xa hdi dia phuong tir xay dung phuong hudng va giai phap cu the cho tirng qui, thang va ca nam 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 Tranh thii dugc sir ung hd ciia NHNo&PTNT Tinh Kien Giang tao thuan lgi ve ngudn vdn dap ung cho nhu cau cho vay, cung vdi su sir quan tam chi dao ciia cap uy, chinh quyen dia phuong, sir phdi hgp cua cac ban nganh huyen da tao dieu kien cho Chi nhanh phat huy nang lire kinh doanh 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e NHNoGQ can phai day nhanh tdc dd tang trudng ngudn vdn va coi day la muc tieu hang dau Tich cue tang trudng du ng, dac biet la nang cao chat lugng tin dung, chuyen djch co cau dau tu mang hieu qua cao, dam bao can ddi an toan vdn, md rdng va nang cao chat lugng djch vu, tao kha nang sinh ldi, nang cao nang lire tai chinh d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b Lang nghe y kien phan hdi ciia nhan dan va chinh quyen dia phuong cac cap Cong tac giai quyet khieu nai td cao ludn dugc quan tam giai quyet thda dang kip thai Tao dung long tin nhan dan, nang cao thuong hieu va uy tin ciia Agribank 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 67 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ 4.3 GIAI PHAP CU THE Sau danh gia hieu qua hoat ddng kinh doanh ciia NHNoGQ thdng qua cac chi tieu danh gia Nhin chung Ngan hang hoat ddng tuong ddi tdt Song, Ben canh mot sd han che Vi vay, Ngan hang can quan tam viec huy ddng vdn va hoat ddng tin dung, han che riii ro den miic thap nhat 4.3.1.Cong tac huy dong von Tang cudng edng tac thdng tin tuyen truyen quang ba thuong hieu va uy tin ciia NHNo&PTNTVN, bang cac hinh thiic tiep thi, ddng vien, cd chinh sach khach hang phu hgp, khai thac khach hang tiem nang, cham sdc chu dao khach hang truyen thdng nham nang cao hieu qua kinh doanh Quan triet can bd nhan vien phai coi viec tang trudng ngudn vdn huy ddng la chi tieu quan nhat chien luge kinh doanh Md rdng dau tu, tang trudng du ng vao nhung md hinh, dir an cd hieu qua, chii yeu tap trung vao nhirng dia ban, lTnh vuc it riii ro Trong cho vay phai thuc hien diing quy trinh tin dung, hd so day dii tinh phap ly Tap trung cho edng tac thu hdi, xu ly ng xau, ciing cd td chi dao xii ly ng, phai tim bien phap han che ng qua han phat sinh nham nang cao chat lugng tin dung Tren ca sd chi tieu tren giao va tinh hinh ng tdn dgng thuc te tai don vi, phdng kinh doanh giao chi tieu chung ca nam va chi tieu tirng thang cho tirng CBTD (chi tieu du ng, huy ddng, thu hdi ng, cac SP dich vu), lay ket qua thuc hien lam co sd binh xet, xep loai hang thang 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 Tang cudng edng tac kiem tra d co sd, td chuc viec kiem tra edng tac tin df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d dung d cac dia ban (kiem tra ddi chieu ng xau, ng tdn dgng, kiem tra viec thu ng tai dia ban ciia CBTD, kiem tra viec chi tra hoa hong ) 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 Tao dieu kien giiip do, hudng dan khach hang cd thdi quen vay tra diing ky han theo hgp ddng (tra ng, lai) 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 Nam bat thdng tin kip thdi cac co hdi kinh doanh (huy ddng, cho vay, dich vu) va anh hudng cua cac ddi thii canh tranh de cd hudng giai quyet 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b Thuc hien tiep tuc ky hgp ddng thu ng nam 2011 vdi cac td chiic, chinh quyen co sd va chi tra hoa hong diing, dii theo quy dinh va thoa thuan vdi Ngan hang 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 Tang cudng mdi quan he va ket hgp chat che vdi cac td chiic, chinh quyen df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 co sd tao dieu kien giiip ngan hang thuan lgi viec cho vay thu ng ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 68 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ 4.3.2.C6ng tac Ke toan - Kho quy: - Trong viec thuc hien nhiem vu phai dam bao diing quy trinh nghiep vu, quy dinh ciia nganh Viec hach toan ke toan phai ro rang, chinh xac, day dii, kip thdi - Khdng ngung nang cao tinh than trach nhiem, ddi mdi phong each lam viec, nha nhan, khiem tdn, nhiet tinh phuc vu giao dich khach hang - Phai chan chinh va bao cao kip thai nhung sai sdt vdi lanh dao, nhung phan anh, khieu nai ciia khach hang de cd hudng giai quyet kjp thdi - Quan ly hd so, chung tir ngan nap, khoa hoc, dam bao an toan Md day dii sd sach theo doi chi tiet tai san (tai san dang sii dung, giao cho CBCNV quan ly sii dung) - Viec cung cap thdng tin, sd lieu phai dugc sir thdng nhat va kiem tra ciia lanh dao co quan - Thudng xuyen kiem tra tu bao duang may mdc de sii dung cd hieu qua va lau dai - Thuc hien diing quy dinh ve kiem soat trudc quy lam tham muu cho lanh dao thuc hien diing chi tieu tai chinh - Can bd kho quy phai thuc hien diing quy dinh vao kho, ve an toan kho quy, xii ly thu giu tien gia phat hien, thu ddi tien khdng dii tieu chuan luu thdng Md sd theo ddi thu giu tien gia, tra tien thira, ddi tien rach 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 Thu chi phai diing ngudi, diing quy djnh Kip thai bao cao vdi Ban giam ddc cac trudng hgp xay lien quan tdi kho quy nhu tien gia, nham Ian thira, thieu tien vdi khach hang, hay phat hien nhung van de cd lien quan den an toan 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b kho quy 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e 4.3.3 Cong tac hau kiem d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 - Thuc hien edng tac kiem tra kiem soat day du diing quy dinh, giiip can bd khac phuc siia sai kip thai Phai bao cao cho Ban lanh dao phat hien sai sdt nghiem Ddng thai qua kiem tra kiem soat phai rut dugc nhung bien phap ngan ngua rui ro, sai pham d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b - Sau mdi dot kiem tra ciia Ngan hang cap tren, ket hop vdi phdng Ke toan thdng bao cho can bd cd lien quan khac phuc sua sai va bao cao ket qua siia sai vdi Ban giam ddc va phdng kiem soat tinh diing quy dinh 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 - Can bd lam edng tac hau kiem phai trung thuc, thang than phai la ngudi 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f tham muu tich cue cho Ban lanh dao 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 69 SVTH: Lam Thu Ciic b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ 4.3.4 Cong tac hanh chanh - Can bd hanh chanh phai md sd theo ddi viec nhan edng van tai lieu den va giii di - Don ddc, nhac nhd kiem tra can bd dugc phan edng true, luu y ngudi ngoai va khach hang den ca quan cd bieu hien nghi van, ngan chan va giai quyet kip thdi cac vu viec mat trat tu, an ninh pham vi co quan - Ket hgp vdi can bd ke toan thuc hien, kiem tra viec mua s^m quan ly tai san, edng cu lao ddng - Khdng ngung de cao canh giac ke xau lgi dung so hd de gay thiet hai tai san co quan 4.3.5 Cong tac to chuc can bo Tiep tuc tang cudng edng tac bdi dudng nghiep vu chuyen mdn cho can bd, dac biet la edng tac tap huan nghiep vu, cap nhat nhirng nghiep vu mdi Bo tri sap xep lai mot sd vi tri can bd tirng phdng phu hgp dap ung yeu cau vdi nhiem vu mdi 4.3.6 Ve phat dong thi dua khen thudng - Co quan va edng doan bd phan phat ddng CBCNV hudng ung cac phong trao thi dua nam 2012 cap tren de xuat - Phat ddng thi dua khen thudng ngan ngay, thang dau nam va ca nam 2012 ddi vdi tat ca CBCNV dan vi nham khuyen khich kip thdi nhirng 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 nhan td tich cue 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 - Tung CBCNV dau nam phai dang ky thi dua bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 70 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ PHAN KET LUAN VA KIEN NGHI KET LUAN Qua ba nam hoat ddng nhirng khd khan bien ddng ciia nen kinh te va nhirng chinh sach ciia Nha nude nhung hoat ddng cua Chi nhanh da tirng budc di vao dn dinh: Doanh thu, lgi nhuan deu cd sir gia tang Hoat ddng kinh doanh cua Ngan hang ludn phat trien theo diing hudng chi dao ciia nganh, cu the ty le an toan deu thda man cac ty le chung ciia nganh Khdng vugt gidi han tin dung cho phep Chi nhanh ludn chii nang cao chat lugng tin dung, du ng tin dung deu cd tai san dam bao Thuc hien cho vay nhieu ddi tugng va phan kinh te khac nham tranh rui ro tap trung va day chuyen lam anh hudng den hieu qua hoat ddng kinh doanh KIEN NGHI 2.1 DOI VOI NHA NUOC • Ddi vdi UBND Huyen Gd Quao: Quan tam tao dieu kien cho NHNoGQ edng tac huy ddng vdn nhat la ngudn tien gui tir cac du an, tien bdi thudng giai phdng mat bang De Ngan hang cd ngudn vdn tang them md rdng cho vay phat trien san xuat • Ddi vdi chinh quyen dia phuong xa (Thi Tran): Can quan tam hon nua giiip Ngan hang viec thu hdi ng tdn dgng qua han, mdi len lam viec, xii' ly nhung vu viec cd tinh day dua khdng thuc hien viec tra ng 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 2.2 DOI VOI HOI SO CHINH bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e Can tang cudng tien ich tren the ATM de cd the canh tranh vdi cac td 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b chuc tin dung khac Ben canh can xem xet va cung cap them may tir ddng rut tien ATM tren dia ban, cd the mdi xa lap dat may de giiip ngudi dan de tiep can va phat huy dugc ngudn vdn nhan rdi ngudi dan 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 Hd trg Chi nhanh viec dao tao can bd 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe Don gian ve thii tuc va tiet kiem va thdi gian f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 2.3 DOI VOI CHI NHANH NGAN HANG 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 Co cau lai cac khoan thu, nham dua nhieu san pham djch vu mdi nham thda man tdi da nhu cau ciia khach hang Can cd chien luge nang cao cac khoan 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 thu tir djch vu nham da dang hda co cau doanh thu ciia Chi nhanh, han che riii ro 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 cho Chi nhanh 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f Can ciing cd khung phap ly, chiing tir, cac hgp ddng tin dung, hgp ddng tin dung nham tao sir minh bach cac chiing tu de tao co sd xii ly cac 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 71 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ trudng hgp vi pham Thudng xuyen theo doi, kieTn soat edng tac cua can bd nham xu ly kip thdi cac vi pham tranh gay hau qua nghiem cho Ngan hang CBTD can hieu ro cac quy dinh, quy che cho vay, tham djnh khach hang Hdi sd ban hanh nham lira chon khach hang tdt va han chi dugc khach hang xau Benh canh can ciing cd va tri khach hang cii, phat trien khach hang mdi Day manh hoat ddng cho vay ddi vdi cac doanh nghiep vira va nhd, cac doanh nghiep cd phuong an kinh doanh kha thi Ciing cd va phat huy mang ludi edng tac vien cho vay tra gdp Tao khdng lam viec vui ve, can bd edng nhan vien ciia Chi nhanh can cd sir doan ket, hd trg Ian edng viec nham tao sue manh giai quylt edng viec dugc tdt hon 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 72 SVTH: LamThuCuc b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ TAI LIEU THAM KHAO I Van ban phap luat: Luat cac td chuc tin dung (2005) Nha xuat ban chinh tri quoc gia Luat cac td chirc tin dung sd 47/2010/QH12 siia ddi, bo sung mot sd dieu theo Nghi quyat so 51/2001/QH10 thdng qua 16 thang nam 2010 Luat NHNN so 46/2010/QH 12 siia d6i, bo sung mot sd dieu theo Nghj quyet sd 51/2001 /QH10 thdng qua 16 thang nam 2010 4.Nghi quyet sd 11/NQ-CP quy dinh ve nhirng giai phap chii yeu tap trung kiem che lam phat, dn dinh kinh te vT md, dao dam an sinh xa hdi Ha Ndi, 24 thang 02 nam 2011 Nghi djnh sd 41/2010ND-CP quy dinh ve chinh sach tin dung phuc vu phat trien ndng nghiep ndng thon Ha Ndi, 12 thang 04 nam 2010 Thdng tu sd 13/2010/TT-NHNN quy djnh ve ty le bao dam an toan hoat ddng cua cac td chiic tin dung Ha Ndi, 20 thang 05 nam 2010 Quyet djnh sd 493/2005QD-NHNN \h phan loai ng, trich lap va sir dung dir phdng Ha Ndi, 22 thang 04 nam 2005 Nguyen Tan Binh (2000) Phan tich hoat dong kinh doanh Thanh phd Hd Chi Minh: Nha xuat ban Dai hoc Quoc gia Thanh phd Hd Chi Minh Nguyen Dang Don (2009) Nghiep vu ngan hang thuong mai Thanh phd Hd Chi Minh: Nha xuat ban Dai hgc Qudc gia Thanh Ho Chi Minh 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 10 Nguyen Dang Don (2010) Quan tri ngan hang thuong mai hien dai Thanh phd Hd Chi Minh: Nha xuat ban Dai hgc Quoc gia Thanh phd Ho Chi 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d Minh 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 11 Thai Van Dai va Nguyen Thanh Nguyet (2010,) Quan tri Ngan hang thuong mai Thanh phd Can Tho: Nha xuat ban Dai hoc Can Tho 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 12 Nguyen Minh Kieu (2011) Bdi tap va hai giang nghiep vu ngan hang thuong mai Thanh phd Hd Chi Minh: Nha xuat ban thdng ke 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 13.Nguyen Minh Kieu (2011) Tdi chinh doanh nghiep can ban Thanh phd Hd Chi Minh: Nha xuat ban Lao ddng xa hdi 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 14 Huu Tam (2008) Bdi giang phuong phap nghien cuu kinh te Thanh c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 Phd Can Tho 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 15.Truong Quan Thdng (2010) Quan tri ngan hang thuong mai Thanh df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f Phd Hd Chi Minh Nha xuat ban tai chinh 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 73 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02 Phan tich kit qua hoat ddng kinh doanh tai NHNoGQ 16 Vd Thanh Thu, Ngd Thi Hai Xuan (2010) Giao trinh kinh te va phan tich hoat dong kinh doanh thuong mai Thanh Phd Hd Chi Minh: Nha xuat ban tdng hgp Hd Chi Minh 17.Doan Thj Hong Van, Kim ngoc Dat (2011) Quan tri chien luge Thanh Ho Chi Minh: Nha xuat ban tong hop Thanh Hd Chi Minh 18 "Giam ldi suat tdc dong din ty gia, lam phd,t tdng trudng nhu the nao?" http://infotv.vtv.vn/ngan-hang-tai-ehinh/tin-tue/68217-giam-lai-suat-tacdong-den-tv-gia-lam-phat-tang-truong-nhu-the-nao, truy cap 15/06/2012 19 "Tinh hinh kinh te - xa hoi 12 thdng nam 2011 ", http://www.gso.gov.vn/default.aspx?tabid=413&thangtk= 12/2011 truy cap 15/06/2012 20 " Bao cao tong hop ", http://tttm.vecita.gov.vn/7timestamp-l 342371533592 truy cap 15/06/2012 21.Nguyen Thanh Dudng, Dang Ngoc Diep, Nguyen Thi Bang, Tran Due Quang, Pham Ngoc Due, Pham Tien Long, Bui Phong Lan, Nguyen Qudc Quan, Lai Thi Hong Tham, Nguyen Thanh Huong, Pham Van Hung(2011) To chuc va hoat dong cua Ngan hang Nong nghiep va Phat trien Nong thon Viet Nam Trudng dao tao can bd 22 Nguyen Van Ha (2009) Gidi thieu md hinh - co cau td chuc bd may DfllHOCVOTRtfONGTOfiN THtfVIEN 6b4090 276 f85e 7e79a2 7b4 f9d31306 2ff9828 5326 33d3 1409 b83a2 1eabae5 c78 69b235 50a5 c3c862be85 c992 c8a9 d31 cc7 8eb5 4cfda56e 5e9a28 26f8fcf74 565 4bb45 0f2 178 f0e02 f11 f3 f858 dd7 e448a6 231fe65db2a88 2044 c48 1c3 5a24df6 bc9 b0bcf6 4689 7071a2 696e7 f15 1a28a c446 11fbd8 db86 80ef6b9 8cc9b6 74dc1 df3a6 b9d39e60 7c3 09863 4a0f18e f8e90e f5 f54e 4fe0e e17fc36 91491 3481e 6e 688f0 1fc5a0 f29fe 01a1 f12bc58 e905 f3 c73b1d0e 18686 7c9 5c8 533 ccdd31 d8d 5ac1c03e9 7c0 9d11a 1e51fcb6a1e21 f59a 46c9796 d3ad0 16f5a324 85d6 6092 0b 85cbfd0 b14 f24 f71ee 04fbcfdd5 ed71 5fb4642 584d703 b0754 31c9d59 8785 e42 05bb4 6d10 f6a1 0a49fc87 4f4 ef7ff3 9e845fb 99d8 98157 b65 4c10 7b6 6e5e0 857 203076 c61 1f4 9f0 bca c3e09 e51 c452fb8 e3c6 26d5db4b01 0a9c3f7 752e7 b46e d9d2e cb4 2640a 78d3 1c7 88be 3195e d06 f227a 0a55e6 3c9 5c6 e5bdc8 493b45233 6241c8cf19 f4fe 18aca c143 58ed f87 5118 5b19 39fdd99 4c7 e0b6 5e9fca936 474 d600 f8f5a5205 f30 0647 0eaa75fb c03a6 cd1 296a7 baff2fde4fc88 c5d8 0e7e8 05c20 445 f057 6fba59ac8c4e 9bdf4e 2d37a 6e52e 4d1 fc0 d97e 52033 2486 b108 b 6ac85e 6b36 36b4 1df49 c267 c062 235bd48 0e9ed f9 dbd175b8eb7a 87444 0fa0 1dfe7 d7f7cf90a6 f92 74c81be 6be3 cbf7ee2 0416 0b53 5f5 7d8 c76 f1e6e 17e9 fe f3a8e f7a276 b2a0 4f9 2b17a 67137 b8a2 b5c136efb1e 7eaf7 81d1f4 316c593 d2c 0a2f44 210d1bfbcc3a7 35d5 1d13 f37 7b1 72d0 079b6dc0dfc35 e5ac1d8a5 f07 b5 ab5a5c1d67 622e0 44fd9c038a98 b3 f82 f5a071 7f5 9adefb04 4eeafe be3 c4c40e 54813e1 1a2e6a 6638e 29b2 0b7 c7e8a 1f7 92736 b1e8 c7ee ba292 7f7 2950 b4a90 b 87d180a 6f6 794a2 2d3 bb70a 4e2d2289aa8 df113fa 96d4 dd6 0d1 555e5 50f50086 24f6fb cc2 c3e2 d82a 7f4 2dc11d3 f7a8 4c9 d529 044 b7cfa91b4143 0b68 8aca f29 c5eac84c3f6 c86 c63 6c6 9f5ae 9f2 1f1 94c4b94 d1 c92e f3b8 8c4 e9b9a 3b5 cb2 8e b4a4b4 8b05 3489 bfa88 9d0 2057a9 3d2fb dd52 510 c0571 74e5 b5d0 9708 eb22 f03 1be6b6b5 d865 d19a15 7c0 c61 287d53f3bbef7 b31 c9b2 6f7 1494 f5a9 52c6be3 c9 9f937 3257 f26 5f9 43b5 6a1771 9851 f86 54481 0935 c52 003e be480 8c5 d5fba3e7 df50 b161 db0 3291ea f55 69f0537a9 e320 25a6bfdb6a95a68 c4 df2 df6e38a9 623 2b77ae3 f85 3222 3db95346 d300 0d8 68e6ddad9 20a7ba 014 ce7d06ee8 95a2fa e1 ab38e52 7a1f04aa55 bce 221d5ac4 2f1 4f8 b883 b9c08a42 99f2488 c61 c615 f54 f 9a4dfb005aa 1c4 96bfb25 b1e0 d760 7750 67084 0577 2254fb1 58f03b2 d6b49817 080f1 60e2 d78 c3f57a67a b43d1d4 9e5d1 7ed5 3e3b57ad1 6592 cc4d62 b9aa8 7e3 d22c57008 165 f64e 080b2350 cf37f2d7a0 6aa0164 4b4aaa b383ae 0d92a cab8b5 f8d2 e7f0b0d5d0 c7b2466 32074 e7d5 dee c289 77f33ed0 b62 c2abcf2417 1c5 5ab 79a5e77a d2d6 c3 bc8e 88b1bde 442fe00d6c2 8da41 da9d0585 dc8aa 9f0 c70 f60 447b14 faea0 d730 d286 87a0ee 3e82 c349 609d215 f8355a d21 7fd8 774e8 99bf88 d54395a c02 c16 b196 cc74e0 c79 d3a2a7 c15aa 5b71 b9aa86 8194 7ac88 281e 8d76 GVHD: Th.S Bui Cao Nhan 74 SVTH: Lam Thu Cue b48182 8e6b398 c7a71a 5ee1 f02