~q A II " ~ A II A \ , A MOTSOVAN DELIENQUANDENVIECHOANTHIEN QUITRINH J ? I AI \ A A A THAMDINHCUACAN80 TINDUNG VUNGCAYCONGNGHI~~ I -~ in dl,lngtrongvungsanxuatcay c6ngnghi$pt~ptrung,benc(,lnh cacyeuto rui ro tlt kMch quan, ve cM quanthi khanangrui ro thuang namtronghaid(,lng:ruirot~ptrung(mqt tytrQngIandunqduqct~ptrungvao'cho mqt10(,li caydqccanh)varuirotrongIl!a chQn(phaidautu vaonh6mkhachhang macacyeuto taisandambaokh6thoa mandoi hoi chQnIl!a ve an toan cua nganhang);tlt d6,vi$ch(,lncheruirodoi hoi nhieuvao kha nangth~mdinhcua nganhang.Trongthl!c te, Nganhang N6ngnghi$pva PMt tri~n N6ngth6n (NHNo&PTNT) Vi$t Namchoyay vung trengcaycongnghi$pthuangthOngqua nhieuchinhanhnho,nenkh6thuchien duqcvi$cto chucth~mdinhm~tcach hi$uquadohi$nnay,toanh$thongvan thl!c hi$n th~mdinh dl!a tren phuong thucphanUchcodi~n(sudl,lngmohinh chatluqngtrongdanhgiaruiroUndl,lng), khongdapungduqcnhCtng yeucaucua n6 (chuak~ den nhCtngkhiemkhuyet cuaphuangthUcnay),cl,Ith~nhu: - Kh6 hinh duqc dqi ngO chuyengiac6khanangphanUch,th~m dinhtottrongcaccacaunhocuacacchi nhanhtrongnongthOn,k~catronghang T Trio qu6c Loau * khiem kh~yettrong dieu ki$nyaycuah6 yay Yon.a day,khongd$tvandevedieu chlnh cac nqi dung phanUch(ch~ngh~n thong dl,lng hi$n la nh6m CAM PARY)ma chi bandentrinhtl! trongxem xet cac nqi dungcan phan Uchd~canbQ Undl,lngc6 th~ tiet ki$m duqctMi gian th~m d!nh; sl! khOngnhat quantrang trinh tl! th~m dinh cho tlmg khachhang kMc nhaucOnggay haoton t~tindl,lng th~mdinhdebi keodai,gaytrang(,likhi cungcap,tLrd6, hQthuangphaiquyet cungung dichvl,l Undl,lngcho kMch d!nhtin dl,lngtrenca sa thOngtinchlla hang dayduo - Du da c6 nhieuphuangpMp tinh D~ nangcao chat luqngcongtac hi$Uquakinhte,dinhgiacackhoancho phanUchva rut ngan duqcthaigian yaydaduqcdec~pratchitiet,tuynhien, th~mdjnhtrongtinhhinhcanbqtind~ng can bq tin dl,lngmai thuangchuasap biquatairi$n nay,chUngtoixindexuat xepduqcmqttrinhtl! th~mdinhhqpII; mqtso kiennghisauday: theotLrnggiaidO(,ln n~-hamphathi$ncac _H ~ ThunMt, hinhthanhmqttrinhthue ! giandan,gemcacbuactheom(>t thuW II' hqpII;d~thl!chi$nphantichnhanh(ve tai chinhva phitai chinh),chopheplo~i IItrCr,ho$cchapthu~nngaytCrng bLtae, trongmoibuacla mqtnh6mcactieuchi duqcUnhdi~m,a moibuacphaid~tm9t gia t~ duang mC1i tieptl,lCxemxetqua buacketiep,(Dochoyayvungtrongcay c6ngnghi$pdoi vC1i nonghqthucmg chi t~p trung I$p di, I$p I(,Iivao hai khau, I tr6ngmC1i vachams6ctheemqtquitrinh nhatdinh).C67 buacnhusau(Xemsa 1) BlfCfC 1: TinhhqpIy,hqpphtipciJa dVan:Doituqngyayc6thuqcdanhml,lC Idautu uutien,thuqcchuangtrinhdl/an cua dia phuong;duqc Nhanuac,lu~t ' pMp chophep;qui moc6pM hqpdieu ki$nva nangIl!c cho phep (mO) 82 KhOng - Tinhtr9ngphap1'1 cuachuth yay von ~ @@ C6(m>O) 83 01/an nho Khong duqc phep NhCrng thongtin bosung ~ Diemc ... hanhvi).TInhtr9ngcutru,nghenghi$p chfnh;khachhangcO,mai;Unhtr9ng quanh$ tind~ngtruacday(dungh9n, quah