HOẠT ĐỘNG PHỐI HỢP GIỮA QUỸ BẢO LÃNH TÍN DỤNG VỚI CÁC NGÂN HÀNG THƯƠNG MẠI VÀ TỔ CHỨC HIỆP HỘI TRONG VIỆC BẢO LÃNH TÍN DỤNG VÀ TRỢ GIÚP DOANH NGHIỆP NHỎ VÀ VỪA Ở VIỆT NAM

TẠP CHÍ ĐẠI HỌC SÀI GÒN Số 7 - Tháng 9/2011 1 HOẠT ĐỘNG PHỐI HỢP GIỮA QUỸ BẢO LÃNH TÍN DỤNG VỚI CÁC NGÂN HÀNG THƯƠNG MẠI VÀ TỔ CHỨC HIỆP HỘI TRONG VIỆC BẢO LÃNH TÍN DỤNG VÀ TRỢ GIÚP DOANH NGHIỆP NHỎ VÀ VỪA Ở VIỆT NAM TRƯƠNG VĂN KHÁNH (*) VÕ ĐỨC TỒN (**)                ABSTRACT 1 The Credit Guarantee Fund for small and medium enterprises was established to help these enterprises develop through the issue of credit guarantees to good business projects of the enterprises who do not have mortgaged assets to borrow bank loans, and also to help them improve their competitiveness, increase management capacity, and administration. To promote the role of the Credit Guarantee Fund to grant credit guarantees and support small and medium enterprises, it is necessary to have a synchronous coordination between the Credit Guarantee Fund and the credit organizations such as commercial banks (creditors) and the enterprises (borrowers). However, the current co-ordination of the Credit Guarantee Fund is still limited, and its roles are not fully developed. Therefore, this article analyzes the situation of co-ordinated activities, bringing out the causes from which the author proposes solutions hoping that the co-ordinated activities of the Credit Guarantee Fund will be better in the future, thus meeting the needs of small and medium enterprises. ( ThS, Tr ( ThS, Cơ  2 1.  N                                                                                DNNVV                     doanh bình                                                           -  cho các DNNVV:      cùng các TCTD, c BLTD cho các DNNVV.                      H              *  *  *  *  -     .               d           *              *     BLTD. *                                    2.1. Hoạt động phối hợp để cấp BLTD         3           ng qua BLTD.                                                     h, nâng                                        2.2. Hoạt động phối hợp để trợ giúp, tư vấn cho DNNVV:                 thông tin trên                                  a các                                                         TCTD. Bảng 1: Số lượng các DNNVV được BLTD và doanh số, số dư BLTD từ năm 2008 đến 2010 Chỉ tiêu Năm 2008 Năm 2009 Năm 2010 -  80 231 375 -  114.280 536.458 835.691 -  122.980 624.663 1.131.917  4  Chỉ tiêu Năm 2008 Năm 2009 Năm 2010 -      -   6.700 3.500 1.200 2.000 250 11.500 5.200 2.800 3.500 520 16.300 6.500 4.200 5.600 850  2.3. Những hạn chế, tồn tại trong hoạt động phối hợp                       mà                                             -                       nhiên,                                     -                                                            -                                5                                   sách . 2.4. Nguyên nhân của những hạn chế -                      -                                -                     -     ính:            do các TCTD góp                                     -                              n             và DNNVV. -                                    -        NHNN                   -           6              PHÁP     3.1. Tạo môi trường về pháp luật và các cơ chế, chính sách thuận lợi cho hoạt động phối hợp của Quỹ BLT                         - -                    -         3.2. Thành lập thêm các Quỹ BLTD tại các địa phương để mở rộng hoạt động phối hợp để cấp tín dụng và BLTD cho các DNNVV                                 BLTD cho các DNNVV. 3.3. Tăng cường hợp tác giữa Quỹ BLTD với các TCTD để cấp tín dụng và BLTD cho các DNNVV với hoạt động trợ giúp phát triển DNNVV                                 3.4. Quỹ BLTD cần có chiến lược phát triển lâu dài và kế hoạch thực hiện hoạt động phối hợp với các TCTD để cấp tín dụng và BLTD cho các DNNVV                           DNNVV. 3.5. Ngân hàng Nhà nước có cơ chế nhằm tạo thuận lợi cho hoạt động phối hợp giữa các TCTD với Quỹ BLTD                                                 chung cho ho           7                                                       3.6. Đa dạng hoá hoạt động phối hợp để trợ giúp cho các DNNVV                                      -                              lãnh tín  DNNVV. -             n                         3.7. DNNVV cần duy trì và phát triển hoạt động đã được cải thiện sau khi được tư vấn, trợ giúp                                                       ;           ;                       BLT                   8 TÀI LIỆU THAM KHẢO 1.   2.   3.                  . Bảng 1: Số lượng các DNNVV được BLTD và doanh số, số dư BLTD từ năm 200 8 đến 201 0 Chỉ tiêu Năm 200 8 Năm 200 9 Năm 201 0 -  80 231 375 - .   6.700 3.500 1 .200 2.000 250 11.500 5 .200 2.800 3.500 520 16.300 6.500 4 .200 5.600 850 .  Chỉ tiêu Năm 200 8 Năm 200 9 Năm 201 0 -   