Giải pháp mở rộng hoạt động cho vay đối với hộ sản xuất tại ngân hàng nông nghiệp và phát triển nông thôn việt nam chi nhánh huyện hoài đức

BQ CIAO D1JC DAO TAO MIXING D6I HQC THANG LONG —o0o KH6A LIJAN TOT NGHIEP DE TA : GIAI PHAP Mei RANG HOST HANG CHO VAY DOI Veil HQ SAN XUAT TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON VIET NAM - CHI NHANH HUYtN HOAI nit Ciao vien twang cain : Ths Le Thi Ha Thu Sinh vien thvc hien : Nguyen Tien Long Ma sinh vie!' : A17384 Chuyen nganh : Nein Hang am Hoc THANaatmo THU vigN miser HA NOI — 2015 MV C L VC CHUCING CO SO Lt LUSN VE CHO VAY HQ SAN XUAT CiJA NGAN HANG THIYONG MSI 1.1 Hoist dung cho vay doi vii hi) sin :Sit cis ngin hang thurcrng mai 1 1.1.1 Khai niem, dc5c dram cries san xuat 1.1.2 Khizi niem cho vay san xuat 1.1.1 Ciic hinh that cho vay del vai san xuat 1.1.4 Vai tro caa hoot tong cho vay dal vai ho san xuat 1.2 Mir rung host dung cho vay doi vii h0 sin auk tpi ngin hing timing mpi 1.2.1 Khcii nigm ve ma rang hoot clang cho vay doi vai san xuat 1.2.2 Su can thth phizi ma rang hoot dang cho vay did vai ho san xuat 1.2.3 Ccic chi lieu dcinh gib khci ndng ma rang hoot Bang cho vay dal viri san xuat czia ngcin hang thuang mid 1.3 Cic nhfin t6 inh hiring den thing mi ring host dOng cho vay doi vol 13 h0 sin nit cia ngin hing thwang mpi 13 1.3.1 Nhan to chzi quan 15 1.3.2 NM-mg nhcin to khcich quan CHU'ONG THI/C TRSNG HOST BONG 010 VAY DOI Veil HQ SAN XUAT TAI NGAN HANG NONG NG111$P Vi PHAT MIEN NoNG THoN VieT NAM 18 — CHI NHANH HUY$N HOAI EltiC 2.1 Tong quan vi Ngin hing Nang Nghiep vi Phit Train Nang than Viet 18 Nam — chi nhinh huyen Hole Bic 2.1.1 Vizi net ve Nem hang Nang Nghiep viz Phat Tribe Nang thon Viet Nam18 2.1.2 Qua trinh hinh thimh viz phat van ctia Ngdn hang Nang Nghiep Va Ph& 20 Tribe Nang thon Viet Nam — chi nhinh huyen Hoai Brie 2.2 Ca ciu to chic cis cis Nein hing Nang Nghifp Vi Phit Triin N8ng 21 than — chi nhinh huytn Hoii Bic chinh ace cues Ngdn hang Nang nghiep viz Phat :ran Nang 2.2.1 Ccic hoot d Ong ' 24 than — chi nhanh huyen Hoai Dar 2.3 Kit qui hoot dOng kinh doanh cis Ngin hing Nang nghitp Vi Phit Trait Nang than — Chi nhinh buyers Hoii Day giai dopn 2012 - 2014.25 Thang Long University Library 2.3.1 Tinh hinh huy tang van 25 2.4 Quy djnh chung ye host dung cho vay h0 sin suit tsi Ngin hing Nang 37 nghilp vi Phit triin Nang than Vitt Nam - chi nhinh Hoii Dec 37 2.4.1 Doi tugng cho vay 2.4.2 Dieu kien cho vay 37 2.4.3 Quy trinh cho vay &if viri san rub 38 2.4.4 Thai hgn va lai suit cho vay clai vol san nit 39 2.4.5 Tai san dam bcio hogs clang cho vay dal vai san xuat 40 2.4.6 Ccic hinh thtic cho vay san ma mkt Ngcin hang Nang nghiep viz Pk& 40 wan Nang th6n Viet Nam - chi nhanh Huyen Hoai Dzic 2.5 nip tiling host dung cho vay dii vol hu sin suit tsi Ngin hing Nang nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huyfn Hai Dec 41 2.5.1 Doanh so cho vay dai viri san xuiit tgi Ngan hang Nang nghiep va Phat 41 Dien Nang than Viet Nam - chi nhcinh Huyen Hold Deis 2.5.2 Tinh hinh du nq cho vay dai voti san xuat tgi Ngcin hang Nang nghiep 43 va Phat triin Nang them Viet Nam - chi nhanh Huyen Hoai Dar 2.5.3 Tinh hinh thu nq cho vay dai yeti san ruck 45 2.6 Tim trsng host dOng m8 rung cho vay dui v6i h0 sin suit cila Ngin hing Nang nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huytn 46 Hoii Dec 2.6.1 Chi lieu djnh tinh 46 2.6.2 Chi tieu djnh luring 49 2.7 Dinh gii thwc trsng host dung cho vay dei vol hO sin suit cua Ngin Wing Nang nghiep vi Phit triers Nang than Viet Nam - chi nhinh Huyen Hoki 58 Dec giai dosn 2012 - 2014 2.7.1 Nhang kit guci dgt clugc 58 2.7.2 Nhang hgn chi can kluic phyc 60 2.7.3 Nguyen nhiin ctia hgn chi 61 CHUONG GIAI PHAP Mti }LONG Haig DOG CHO VAY DOI VOI HQ SAN XUAT T41 NGAN HANG NoNG NGIIISP VA PRAT MIEN NONG THEN 64 - CHI NHANH HUY$N HOAI DIX 3.1 Dinh hueng phit triers host dung cho vay dii vii hi) sin suit cut, Ngin 64 !ling Nang nghifp vi Phit triers Nang than Vitt Nam 3.1.1 Dinh Wang czia Ngiin hang Ming nghiep viz Pluit men N6ng thiin Viet 64 Nam 3.1.2 Dinh Wong phat trien czia Ngdn hang Along Nghiep va Phat trien Prong 65 th6n - chi nhanh Huyen Hoai Div 3.2 Giii phip mi rung host dung cho vay dai vii he sin milt tai Ngin hang Nang nghiep vi Phit trien Ning thou Viet Nam - chi nhinh Huyen Hold 65 Din 3.2.1 Cal tiin quy trinh va thzi tyc vay vein 65 3.2.2 Niing cao trinh can 66 tin dyng 67 3.2.3 MO rung liking Wen hoot Ong, phat huy mong been sewn co 67 3.2.4 X& dyng ki hooch Marketing 68 3.2.5 Xiiy dyng chinh scich liii suit phil hop 69 3.2.6 Niing cao chit luting hoot tong cho vay ho son xudt 69 70 3.3 Met se hien nghi 3.3.1 Kiln nghj vOi Ngiin hatig Prong nghiep va Phdt trien N6ng thon Viet Nam 70 3.3.2 Kiln nghj vai Ngiin hang Nha nude Viet Nam Thang Long University Library 71 DANH MVC CAC HiNH MINH HQA Sa 2.1 Ca cAu t6 chirc dm NFINo&PTNT Viet Nam — chi nhanh Huyen Hoai Dim 22 Bang 2.1 T'mh hinh huy dOng von tai NHNo&PTNT Viet Nam — chi !Math huyen 26 Hoai Dire giai (loan 2012 - 2014 Bang 2.2 Tinh hinh du nq tai NHNo&PTNT Viet Nam — chi nhanh Huyen Hoai Wrc 32 giai down 2012 — 2014 Bang 2.3 Ket qua hoot dOng kinh doanh tai NHNo&PTNT Viet Nam — chi nhanh 35 huyen Hoai Due giai Joan 2012 — 2014 Bang 2.4 Tlnh hinh doanh s6 cho vay dei vai he san xuat cfiaNHNo&PTNT Viet Nam 41 — chi IMAM huyen Hai Dfrc giai down 2012 - 2014 Bang 2.5 TIM hinh du my cho vay dei yeti he san xuat cda NHNo&PTNT Viet Nam — 43 chi nhanh huyen Hai Due giai doen 2012 - 2014 Bang 2.6 Tinh hinh doanh so thu nq cho vay dei yeti hi) san xuat tai NHNo&PINT 45 Viet Nam — chi nhanh huyen Hold Dirc giai down 2012 — 2014 Bang 2.7 TS, le he san xuat da vay von tai NHNo&PTNT Viet Nam — chi nhanh huyen 49 Hoii Due giai (loan 2012 - 2014 Bing 2.8 TS, le doanh s6 cho vay trung birth ten met ho san xuat dm NHNo&PTNT 50 Viet Nam — chi nhanh huyen Holi Dire giai clop 2012 - 2014 Bang 2.9 He se thu my cho vay dei WA he san xuat titi NHNo&PTNT Viet Nam — chi 51 nhanh huyen Hoai Dirc giai (loon 2012 - 2014 Bang 2.10 TS, le my qua han vit my xAu hoot dOng cho vay dei veri hi) san xuat cim NHNo&PTNT Viet Nam- chi nhanh huyen Hog Mc giai down 2012 — 2014.52 Bang 2.11 TS, le trich lop du phang rei ro cho vay dei yen he san xuat dm NHNo&PTNT Viet Nam — chi nhanh Huyen Horli Dim giai (lop 2012 — 2014 53 Bang 2.12 He se !dui niing bit dip rai ro cho vay dei voi he san xuat da xi: 1S , dm 55 NHNo&PTNT Viet Nam — chi nhanh huyen Holi Due giai down 2012 — 2014 Bang 2.13 Chi tieu yang quay von cho vay he san milt curt NHNo&PTNT Viet Nam 56 — chi !Minh Huyen Hold Dirc giai (loan 2012 — 2014 Bang 2.14 Lqi nhuen tir hot dOng cho vay &Si yeti he san xuat cira NHNo&PTNT 57 Viet Nam — chi nhanh Huyen Hold Dirc giai doer! 2012 — 2014 DANH MVC DANH MVC Tit WET TAT NHTM Ngin hang thuong mai TMCP Thuong mai CO Olin CVHSX Cho vay he sin xuit NHNN Ngin hang Nha mac TCTD TA chirc tin dung NHNo&PTNT Ngen hang N8ng nghiep vat Phil thin Nong then UBND Oy ban nhan din HDQT Wei clang quitn tri TSDB Ili sin diun bao VND Viet Nam dong USD De la Mg DSCVHSX Doanh sA cho vay he sin xuit NHTV Nem hang thinh vier Thang Long University Library Ltil CAM DOAN Toi xin cam doan bai khea luOn "Gal phip mar rang hoot Jiang cho vay dai vii sin atilt tai Nein hang Nang nghifp va Phit trien Nang than Viet Nam — chi nhinh huyen Hoii Dtic" la ding birth nghien ciru cia ban than, duqc die ket tir qua trinh hoc top va nghien ciru thoc tien then gian qua, duoi so huang din cua ThS Le Thi Ha Thu So lieu kh6a lu$n duqc toi thu thop va tang hop tit nhang nguOn Jiang tin c4y Tic gia Ich6a lucin Nguyen Tien Long • Dfil Ma BALI Tinh cep thiet cult di tai Huyen Hoki Dec la mOt dja phucrng c6 nen kinh to ruing nghiep Wong dot i phat trien yeti nhieu ling nghe truyen thong, nhieu doanh nghiep vita va nhO host dOng, the hinh thirc thuang mai va djch vv tuang dei s8i n6i Trong de m8 hinh sin xuit chu yiu n, vay la cic h0 sin xutit Tiem Wing phit trien cua cic h0 sin xuAt yin rat 16 viec ma rOng host dOng cho vay yeti h0 sari xuAt lk mOt yeu au rat cap thitt dhi v6i tat ci the nein hang host dOng tren dja ban Trong thei gian thvc tap tai don vi, tea nhOn thAy NIINo&PTNT Viet Nam — chi nhinh huyen Hoii Dire c6 lqi the la c6 ljch sir host dOng linh we phit trien kinh to !long nghiep nong then to bit diu thinh lip, va linh dao ngin hang cling xac dinh nhem khich hang tim 11 cic h0 sin xuAt, qua de nhftng chinh sich ho trq di duqc ban himh gin!) khuyen khich cic h0 sin xuAt tich cue vay von, gulp cic hi) sin xuAt c6 the tiep can ngu6n von de ding hors, kip then b6 sung diu to vio host dOng sin xuAt kinh doanh Tuy nhien, van nhieu ton tai co the chinh sich, hank lang phip ly, va nhftng yeu to khich quan khic khien boat dOng cho vay d6i vOi h0 sin xuAt dm chi nhinh van ;Nem ton so vei tiara nang cua cic h0 sin xuAt tren dja bin Viec me rOng hog dOng cho vay d6i yeti h0 sin xuit lk mot yin de can duqc quan tam nghien dm de giip nen kinh to tren dja bin c6 the phit trien, nh#n thirc duqc yin de de, toi guy& dinh chcon de tai: " Giki phip ma rang host (long cho vay dal vai hi) sin xuit tyi Ngen hang Nang nghiep vi Phit triers Nang than Viet Nam — chi nhinh huyen Hoii Dic" lam de tai cho khea Mn tot nghiep cia minh Myc tieu nghien cum Thong qua quit trinh tim hieu tai chi nhinh vi tham ;ciao cic tii lieu lien quan, khea lu#n tip trung lam r8 cac van de sau: He thong h6a, tong hqp va phAn tich nhftng van de ljt luon co ban ve h0 sin xuAt vi host dOng cho vay d6i vei ho sin xuat * ngAn hang thucmg mai PhAn tich (Minh gii thus me rOng host dOng me rOng cho vay d6i yea h0 sin xuAt tsi NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dec De xuAt the giii phip gulp ma rOng host dOng cho vay d6i yen h0 sin St tai NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dire Bei ttrqng vi phym vi nghien cern if& tuong nghien cum: Hoot dOng cho vay d6i vei h0 sin xuAt tsi NgAn hang Wing nghiep va Phit trien Wang them Viet Nam — chi nhinh huyen Hoki Dire Thang Long University Library Pham vi nghien dm: Host dung cho vay din yen h0 san xuat tai Ngfin hang Wing nghiep va Phit trier Nemg them Viet Nam — chi nhkill huyen Hoai Dirc giai down 2012 - 2014 Phtromg phip nghien eth de tai Olds th4c dip gin gidi quyit cdc c8u hal nghien arm* la sir dung et m8 hinh 19 thuyet duce hqc tai nha Huang de phan tich thtrc tang cimg veri IA ap dtmg &Ong thbi ca hai phucmg phip nghien cfru djnh tinh va djnh Wong thu th p va xir 19 dO lieu Qua trinh nghien cfru se sir dung dm did lieu da c6 sin duqc don vi cung cap, ngoai la tham !chit° cac tai lieu thu vien truOng Phucmg phip phan tich der lieu la se tong hop s6 lieu theo cach bang Neu, neu hien tuqng thong qua s6 lieu, qua tim hieu ban chit, 'tat vim de vi neu cdc hien phip gidi quyet van de d6 Phucmg phip se &roc h6 thy bing cac phial mem tinh toin vi sown thao van bin KM ciu cam di tai De tai dtrqc ket ciu g6m phin: Chuang 1: Ca ser19 lu$n vi cho vay h0 sin xuat ctia ngfin hang thucrng mai veri h0 san xuat tai Ngan hang Ming Chuang 2: Thuc tang hog dOng cho vay nghiep vi Phat trier Wing them Viet Nam — chi nhanh huyen Hoii Due Chuong 3: Gild phip ma rung cho vay dOi veri WO sin xuat tai Ngan hang Wing nghiep vi Phat trien /Ong then Viet Nam — chi nhinh huyen Hoii Dirc CHUONG CO SO L)? LUAN VE CHO VAY HQ SAN XUAT CUA NGAN HANG THUONG MAI 1.1 Hoot dung cho vay d6i vii h0 sin xuAt cua ngin hang thuung mgi 1.1.1 Khdi nifm, d#c diem caa he malt Khii niem Tru6c het, de c6 can cir phat men de UM, chimg ta an lam re khai niem ye he, san xuAt DAu tien, chi ng ta can hieu dtrqc djnh nghia: "HO liz gi?" Theo van ban s6 1030 3/4/1991 cila Lien hiep quiic dinh nghia: "HO la nhung Ague& cling song chung dirol mOt mai nha, cling chung viz co chung mot ngdn guy"" Tai cuOc thio luan quoc ta lin thir IV ve van de Quan 15, Wing trgi tai Hi Lan nam 1980, tien si Aalt A Dijkhuizen da dua khai niem: "HO la mOt dan vj ca bcin clic: xd hOi, co lien quan den san neat, tat san xuit, din tieu dung viz cac hoot dOng khcic czia xd heir Theo nhu tir dien neon nge viet nam phat hanh nam 2001, tgi trang 497, ding thir 52 55 ce vitt "HO /i tit ca nhiemg ngtriti cling song mOt mai nha, nham ngwol có the bao gam nhang ngiroi co cling htcylt thong hodc khong" - Tir nhOng djnh nghia tren, ta c6 the nh#n thAy khai niem "HO" dtrqc hieu theo nhieu cach khic thy theo d#c diem cilia timg quic gia tren the gioi Tuy nhien, ci the hieu met cach chung nhAt la he la met dun vj cis xa bao gim cac vien song va sink hogt cling nhau, cac vien ci the c6 cimg huyet thong va cling song chung mOt nen nha Mgt khac, cling ci the nh#n thAy ring, hi) cling la don vj ea ban nhAt di t6 chirc lao deng„ tin tai nhu met don vj kinh to co bin nhAt voi muc Watt san xuAt co si la tu cung, tu cap, tu san, ttr tieu Sau da lam re khai niem ve "he)", buoy flip theo, chimg ta an hieu ve khai niem "HO san xualt" Tren gic de ngan hang: "HO san xuat la mOt thuOt ngu dmic Bang hoot dOng cung ling von tin dung cho xii hOi de gni]) xd hOi phat van kink !chic thubng duct ding di thay the thuot nga "HO san xutit" la MOt si thu#t "HO gia dinh", "ho kinh doanh" Dug tren phu Ipc s6 kern theo guy& djnh 499A 2/9/1993 cia NHNo&PTNT Viet Nam, theo di khai niem hO san xuAt dtrqc hieu nhu sau: "HO san xudt la don vj kinh to tv chti, trvc flip hogt Ong kinh doanh, la cha the moi quan he san xulit kinh doanh va tv chju track nhiem ve kit qua how dOng kinh doanh cua minh" Trang tren that to cac hq san xui't van la hat nhan kinh to tren dia ban, chiem phan lem du nq va Igi nhuan eita ngan hang, vay s6 lugng h0 san xuit vay von tai ngan hang tang tnrerng kh6ng tucmg ming veri nhtmg chinh sach va tiem nang hien co Neu khong co nhang bien phap nghiem the va kip th&i thtri gian ton, ngan hang c6 the danh mat nheim khach hang tiem nang vi cac ngan hang thtrcmg mai ten dia ban dang c6 nhcmg hoat dOng het sire tich cac vies tim kiem khach hang de cho vay Viet thu thap th8ng tin ve khach hang chit yeu dva tren co so khach hang cung cap va nhO moi quan he dm can be tin thing veri khach hang ma c6 ducc, do th8ng tin khong dang tin cay, mang nhiEu yeu t6 ngthi chuyen mon D6i veri viec kiem tra va xac dinh nang lye tai chinh, kho khan gap phai phai tinh town thu nhap ca nhan cim rat nhieu vien veri nhcmg nguOn th8ng tin khach hang tv cung cap Kho khan viec thu hOi nq He s6 thu nq cim NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dire dang co xu huemg giam din qua tang nam Tren thvc th, hoat dOng kiem tra, kiem soat chua thvc sir dOe lip, thieu hieu qua din den nhfrng sai set gay Mn that cho ngan hang, viec khac phut xa 19 sai pham cling khOng ducre kien quyet dirt diem Khi co lai xay thutmg quy trach nhiem cho co cher', chinh sach ma khong the tim ducm ca nhan nao nhan trach nhiem 2.7.3 Nguyen nhan cda hen chi Nguyen nhan khdch quan Thi twang tai chinh vii nam ter lai day ding co nhimg din bien tiring d6i phirc tap Lai suit huy king vein giam de phvc vv cho mac tieu kiem che lam phat cua chinh phu Cac ngan hang thucrng mai bat dau met chi nhanh tren dia ban Huy'en Hoai Dire va dang rat tich cac hoat ding thu but tien gin tiet kiem Nhu cau sir dung von de tieu dung cim ngutri dan nhang nam ter lai day tang cao, nhang yeu to clan den viec kho khan viec huy dOng vein cua ngan hang Viet huemg dan thus hien cac van ban cua nganh cham, nhu huemg dan va trien khai clang k9 giao dich dam bao va dang k9 the chip can cham va chua thuan tien, gay can troy hoot dung ma ring cho vay he san xuit cua ngin hang Viec cap gray chimg !than quyen sir dung dit cham nen da anh huerng khong nhe ton viec vay v6n, nhit IA doi veri the hi) vay vim phai co dam bao bang tai san the chip Nguai dan van tam 19 vay elm ngutri quen, ho hang, ban be can v6n de san xuit, da s6 ngai phai tiep 'dm veri nhOng thu tut eua ngan hang vi khong thuon tien va mat nhieu thtri gian Chinh vi tam 19 do, hoat ding cho vay doi yeti hq san xuit men chi co the phat triEn tuong d6i cac be a nhang dia phuong co dan tri kha Trang 61 He th6ng th'Ong tin ye cac chuan mut ki thuat firth we san xuat ruing nghiep rat han hgp, cac tieu chuan lai thuong xuyen bi thay del cong vdri d6 la thai dO khong trung that cua mgt so h0 san xuat khai bao kha nang tai chinh cua ho dan tai viec can b0 tin dung gap rat nhieu khe khan viec tham dinh h6 so vay von Nguyen nhan tit phia ngdn hang Trong thuc to hoat dOng ma rOng cho vay doi vdri h0 san xuat cua NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dire, can din tai nhieu han the nhu: Du nq tang truing nhanh nhung khong ding b0 vii chat lugng cim khoan vay Co the nhan thay diEu thong qua cac so lieu, ty le nq xau cua ngan hang da tang len nhanh chong thdri gian qua, tir 2,3% tren tong du no nam 2012 len 3,5% tong du nq nam 2013 Nguyen nhan la mot s6 can b0 tin dung co to tuOng tip trung tim kiem nhung hij san xuat co nhu cAu vay von km, b6 qua nhimg hi) co nhu cAu vay von nhO le dE nhanh ch6ng dat dii doanh s6 Dieu clan den viec chat ltrong tin dung khong dam bao Tu6i dai trung birth dm can by ngan hang tai chi nhanh la kha cao (>35 tu6i), them vao la tinh trang thieu can WO co du nang lye nen din den tinh trang mgt can ho co kha nang phai phti trach qua nhiEu lchach hang, dan den sai set Trinh dO cfla can b0 tin dung chin thuc su cao, nang suit lao dOng can thap Ben canh d6, viec quan ly bien the tap trung than nganh ciing gay kho khan cho ngan hang co nhu cAu tuy'en dung them lao dOng cling kh6ng chit tong b6 sung dugc chua c6 chi tieu bien che T6 chirc quan tri va dieu hanh b0 may hoat dOng kinh doanh dm chi nhanh chin dap Cmg dugc you cAu thuc te, s6 Wong cac van ban huOng clan dieu hart thuc hien dich vu he thOng NHTV not chung rat Ion nhung chua dugc soar thao hop doi mau than chi:mg chdo Do vay, viec tiep thu, dp dung qua trinh thuc hien dich vu o chi nhanh nhiEu lie gap kh6 khan clan den nhiEu 18i raj ro the nghiep Thu tut cho vay can chua firth dOng, Thu tut vay van chua thuc su don gian, thuan tien Cong the tham dinh va quyet dinh cho vay can mat nhiEu thiri gian Trien khai thuc hien dich vu chua dap ting dugc you cau, cong tic quang cao tiep thi, giOi thieu loaf hinh dich vu cho moi ngtari dan chua cao, hien can nhieu ngutri chua biet dugc het cac dich vu, tinh nang dich vu cua NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Wm Hieu qua cong tic kiem tra, kiem soat yeu nen thutang phat hien vi pham tint tai chain, chua dap ung dugc dit yeu cau phOng ngira cong the kiem tra kitm soat Trang 62 Thang Long University Library KET LUAN CHUONG Chuang da gieri thieu so qua ve ljch sir hinh thinh va phat then, co cau t6 chirc ctla NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dirc Ben canh d6, chuong neu len nhang so lieu, thong tin tong quan ve tinh hinh cho vay hos san xuat dm chi nhanh giai doan 2012-2014 Ur viec dan chimg nhUng ca ser ly Juan, cac ca che, chucmg da neu len nh&ng thong tin, gOc nhin khai quat ve tinh hinh cho vay dOi yeti san xuat tai NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Due va tap trung phan tich thqc trang hoat dOng cho vay dOi veri ho san xuAt ctia Ngan hang Tren ea sa cac bang s6 lieu, chucrng cling da dua nhftng phan tich, danh gia ve Icha nang mar rOng cho vay dOi vOi h0 san xuat qua mOt so chi tieu can ban Qua viec phan tich dO, to co the thiy duqc mOt phan thqc tang hoat Ong ma reing cho vay dOi veri he t) san xuAt cua ngan hang va tim duqc nhang han the din tai cling nhu nhOng nguyen nhan gay han the Ay D6 ding IA ca so de co the dua mOt so giai phap, ki'en nghj vai by vong tim giai phi!) met rOng hoat dOng cho vay dOi veri hp san xuat ca ve quy mo va chat Itryng tai NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dire chuang Trang 63 CHUONG GIAI PHAP MO RANG HOAT DQNG CHO VAY DOI Veil HQ SAN XUAT TAI NGAN HANG NONG NGHItP VA PHAT TRIEN NONG THON — CHI NHANH HUY$N HOAI DtiC 3.1 Dinh huung phit trier' host dOng cho vay d6i vol h0 sin xuAt cila Ngin hing Nang nghiep vh Phat trier' Nang then Vitt Nam 3.1.1 Dinh Mtang aka Nem king Nang nghifp via Plies Olin Nang than Viet Nam Trong thdri gian tai, NHNo&PTNT Vi0 Nam xac dinh muc tieu chung la tiep tvc gill vimg, phat huy vai tro ngan hang thucmg mai hang dau, try cot dAu to vein cho nEn kinh to &At nuerc, chu lye ten thi twang tai chinh, tien t'4 a nong them, kien tri barn try 'nue tieu hoot dOng cho "Tam Ming" Tap trung toan he th6ng va bang mqi giai phap de huy dOng tai da nguan v6n va ngoai ntrOc Duy tri tang trutmg tin dung mire hop 19 U'u tien dau to cho "Tam nong", tnrdrc tien la cac hO san xuat nong, lam, ngu, diem nghiep, cac doanh nghiep nhe va visa nhim dap Ong duqc yeu cau chuyEn clich co cau dau to cho san xuat Ming nghiep, nong than, tang tj, 14 du nq cho linh vue dat tren 70%/tOng du nq DE trep tuc gill viing vi tri la ngfin hang hang dAu cung cap san phAm dich vu lien ich, hien dai co chAt lucmg cao dap Ong nhu cau cua tong dao khach hang, d6ng thin tang nguan thu ngoai tin dung, NHNo&PTNT Viet Nam Ichong ngimg tap trung d6i mai, phat triEn manh ding nghe ngan hang theo hudrng hien dai h6a Ben canh da toan he th6ng thut hien phuang cham tin dung: "Day manh tang truemg tin dung theo cac giai phap diEu hanh cua Chinh phu ve bao dam hieu qua von vay de dam bao an toan tin dung, dam bao tai chinh cho chi nhanh, 114 th6ng" CS khu vve nong nghiep va nong th6n, NHNo&PTNT Viet Nam chi' twang tang ti 14 von dAu to Ion hen, ma rOng dai arcing dau to mai don gian hen ntra, nang cao chAt lugng tin dung va hieu qua theo tinh thAn quyet dinh 67-QD cua thu tueng chinh C6 the nOi NHNo&PTNT Viet Nam tap trung dinh hudmg pith triEn nEn nong nghiep Viet Nam nhAng nheng nam tai la: "Xay Mpg nEn nong nghiep Viet Nam tang trueng nhanh va bEn vUng theo hudrng nEn nong nghiep sinh thai thuc hien da canh da clang hod san phAm, ket hop nong — lam nghiep va c6ng nghiep chE bien, tang budrc CNH — HDH, dap img nhu cau tieu dimg cua nhan dan mute Gang cao va xuAt kkau, dat hieu qua nhanh ddri song nhan dan, xay dung nong than mai" Trang 64 Thang Long University Library 3.1.2 Dinh hwong pluit triin cea Nem hang Ming Nghifp ye Ph& Irian Nang then — chi nhanh Huyfn Hold Dirc NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dim IA met ngan hang thucmg mai, hoat deng kinh doanh doi hot phai co lqi nhuan Do do, dinh huang thEri gian tai cua NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Duc IA ma reng quy mo huy tong vein d6ng than ma rang cho vay the phAn kinh to va nang cao chAt luqng tin dung, giam thieu rui ro tin dung ngan hang Do tren dia ban ph'An kinh to he la phin kinh to chit yeu nen NHNo&PTNT Viet Nam - chi nhanh huyen Hoai Due xac dinh cho vay he san xuat cling phai chiem tS , lan, nhung kern theo giam rid ro 461 vEri d0 la phai kiem soot, quanlj, tot hoat deng cho vay he san xuAt, a cho vay he san xuat Myc lieu cg thi nit: Chi nhanh noun 2015 la: Tling nguiin von huy deng tang truerng tir 15 — 18% so vai 'tam 2014 Toting du nq cho vay he sin xuat tang twang tir 11 — 12% so vat nom 2014 TS/ re nq xAu cua he san xuAt IA dual 3%/t6ng du nq Dua tren dinh huang cilia NHNo&PTNT Viet Nam NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Duc se m6 reng quy mo cho vay he san xuat met each nhanh ch6ng va hqp ly nhAt, den theri cling phai lam Mt tong tac tin dung tnrac va sau cho vay doi vat he san xuAt VA ngan hang can phai co str phi:A hqp chat the yeti chinh quyen dia phuang de hoat deng me reng cho vay 461 yen he sin xuAt co hieu qua hen 3.2 Giii phip ma ring hoot deng cho vay doi vii he san 'mat tai Ngin hing !Wong nghiep vi Phit hien Nang then Viet Nam — chi nhinh Huyen Hoii Dirc 3.2.1 Ciii tun quy trinh ye the tfic vay van Quy trinh cho vay tong hqp cac nguyen tic, quy dinh cua ngan hang viec cap tin dung khach hang Trong xay dung cac buac cu the theo trinh to nhAt dinh ke tir chuA'n bi h6 sa cap tin dung truac den chAm dirt cac quan he tin dung doi h6i phai hqp ly, nhanh chong Dua vao quy trinh vay, ngfin hang se thiet lap cac the' Um phu hqp v6i 1141 phap va dam boo muc tieu an town kinh doanh ngin hang ding theri thiet lap cac thit tuc cho vay thich img vat timg nhem khach hang, tirng loci cho vay nhim tranh phi& cho khach hang vi tiet kiem thbi gian cho ca ngan hang vi khach hang, dam boo tuan theo cac quy dinh cua nab hang cap tren Thuc to hren NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dire, can be tin dung chua lam dung quy trinh cho vay ma Ngan hang Ming nghiep va Phat trien Nong th6n Viet Nam quy dinh Quy trinh cho vay ma cac can be tin dung Trang 65 NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dire dp dung chi chic den to each cua ngutri vay, kha nang tai chinh va tai san the chip cum ngtrtri vay la chi, yeu, phuong an xin vay chi mang tinh hinh thirc an xin vay quyet dinh den ket qua kinh doanh elm ho Do nhieu phuong an gap that bai, ho san xuat kh6ng co kha nang tra nq ngan hang DE cai tien hoan thien quy trinh, thu toc vay von, ngan hang phai dga tren quy trinh nghiep vu da xac dinh truerc, sau cai tien cho phi, hqp Teen co sir hoin thien tat quy trinh va urn tic vay vim ma ngan hang da dp dung cho vay ho san xuat Nhu twat cho vay ngan hang can dieu tra khao sat tinh hinh tren dia ban, nim duqc cac Wang thong tin ban du ve ho san xuat, xac dinh duqc kha nang tai chinh, phAm chat dao dim cua cac h0 san xuAt va xem xet giai quytt cho vay, loai bo nhang ho kh6ng du dieu kien vay von Tien hanh thAm dinh nhan duqc so vay von cim khach hang Viec thAm dinh phai nhanh gqn, chinh xac, kh6ng gay kW) khan cho khach hang Tuy nhien tinh thing din cua ket qua tham dinh lai thu6c vao nang loc vay thirc ehu quan cim can be, tin dung, do phai nang cao phAm chit dao due, nghe nghiep cho can b0 tin dung Sau kiem tra diEu kien vay von cim ho san xuat, xac dinh co can hay kh6ng can phai thoc hien dam bao bang tai san thu6c vao nhu eau von vay thi Ngan hang lam thil toe h6 so cho vay, huemg dan thu toe bio dam tien vay theo quy dinh cho khach hang, kiem tra ho so va cac giay tä can thiet, thrc to cua tai san dam bao va phuong an ma cac ho dau tu, neu ho co di, dieu kien thi nhanh chong hoin tat so de flan hanh giii nib dap img kip thtri nhu eau van cho cac he, san xuAt de dam bao tien hinh san xuAt theo dung then vu Sau cho vay, can 66 tin dung ciing phai thuting xuyen theo dbi, giam sat qua trinh san xuat, kinh doanh cim ho xem ho co sir dung van vay dung moc dich hay khong, tinh hinh san xuat kinh doanh cua ho nhu the nao de co cac chinh sach kip thin tranh tinh trang khach hang khong tra duqc nq Ngan hang phai co bien phip cai Wen quy trinh, thu toe vay von de giam thieu thai gian vay von cho khach hang DOng thtri van dam bao chit luqng cho vay Cac hi) san xuat sau duqc hoan tat so den nhan duqc van vay phai ch6 dui rat lau, qua trinh giai ngan phai thoc hien qua nhieu bu6c, d6i ngi, can b6 ngan hang lai han che Do de, de giam big thi, tuc, tiet kiem thtri gian cho ca ngan hang va khach hang thi ngan hang nen thay d6i each quart ly va lam viec, chuyen tir giao dich nhieu cira giao dich mot cira, mot can b6 co kha nang kiem nhiEu viec ma van hieu qua, giam bat duqc thtri gian ltru chuyin chimg tir Ding thtri b6 sung them than vien ngan hang de dap img nhu cau ma rung cho vay ho san xuat cua Ngan hang Cling vori viec giam thtri gian giai ngan vim vay cho khach hang, ngan hang phai dam bao chat ltrqng cua khoan cho vay Qua trinh dinh gia phuong an san xuAt, kinh Trang 66 Thang Long University Library doanh cua hi?' phai duqc tien hanh chinh xac, dung din, ding theri theo del sat viec sir dung von en a 116 vay sau phat tien vay Khi d6 ea the be bien ban kiem tra sau vay be h6 so ban S ma vim vay van chua duqc phat, ngan hang di lop bien ban 46 kern theo h6 so cho vay, day la buerc chi mang tinh hinh thirc 3.2.2 Nang cao trinh dQ can NI tin dyng Con ngueri la nhan to tong tam quyEt djnh den cong hay thAt bai tit ca cac 1101 voc kinh doanh, veri met nganh kinh doanh dAc biet nhay cam nhu ngan hang thi yeu t6 ngutri phai duct quan tam met each thich dang beri vi nhan vien ngfin hang la be mAt va hinh anh cua ngan hang, quyet djnh den uy tin va chit Itrong hoat &Ong cua ngan hang Nghiep vu ngan hang cang phat trien thi nhang 461 hoi trinh de, ning lye cua can be ngan hang cang cao Vi vay, m6i can be ngan hang phai duce dao tao, bed cluting chuyen mon nghiep vu, am hieu phap luAt, c6 du ning Luc va phim chit dao dire, dam &rang tot ding viec duqc giao Muen vay, ban lanh dao ngan hang phai cu chinh sach quan tam den ding tic dao tao va dao tao 10 cho can be nhan vien ngan hang qua cac chuong trinh nhu btu duOng chuyen mon nghiep vu, cir di hoc, t6 chIrc cac lap tap huAn Cling veri viec bei duEmg nang cao ve trinh de nghiep vu, can tuyen truyen, giao due dao dire 161 song cho can be vien eh& ngan hang, tang cueing kiem tra, kiem soar de kip theri phat hien nhang can be ngan hang suy thoai ve dao disc, vi pham phap luat, kien quyet xis ly kj, luAt doi veri can bo vi pham dao disc va tieu cue nghe nghiep gay thief hai cho ngan hang Viec b6 tri sir dung nhan vien dung ngueri, dung viec la rat quan tong hoat deng kinh doanh ngan hang vi chi sir dung dung va phis hop thi timg can be mai phat huy dirge ning lye cua minh tir d6 nfing cao hieu qua hoat dOng ngan hang De IS tot cong viec nay, ban lanh dao ngfin hang phai co nkfmg danh gia chinh xac ve trinh de chuyen mon, ning luc cua timg ngueri, can luu j , den tinh thin trach nhiem va tiep thu nhang nguyen yr:mg j, kien cim mei ngubi de dua nhting quyet djnh chinh xac nhAt 3.2.3 Md tying mgng Iwdi hog, ("Ong, phdt huy mpg hail sin co NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Disc la met ngan hang chi nhanh cap II, nhung de c6 the phat trien duqc ngan hang, and reng quy mo hoat deng cho vay 46i veri he san xuAt toan dja ban huyen thi ngfin hang del h6i phai c6 duqc tei da cac doi tutmg dja ban met mpg lueri hoat deng reng khAp, tiep Thuc to NHNo&FINT Viet Nam — chi nhanh huyen Hoai Dim da my reng duqc mang lueri cua minh bing each mar them nhieu chi nhanh cap III, nhim tiep can, phut vu cac ho san xuit d met se not xa khu trung tam, xa chi nhanh cap II Nhir c6 viec chit deng Trang 67 mo rOng mang luei nay, ngan hang da thu hitt duqc kh6i luqng yen tem tir clan cu, tir de dap Ong nhu cau vay von elm eking dao din cu dia ban Quy mo cho vay h0 san xuAt nhUng nam qua da cang tang len rEt nher viec mer them nhiEu chi nhanh, ngan hang da tiep can duqc den tat ca cac xa ilia ban huyEn Tuy nhien, vei quy mo cac he, san xuat teri vay von cita ngan hang van chua tuemg ximg vOi quy m6 ho san xuat co nhu cau vay von dta ban Cac 110 san xuAt dai ban huyEn co nhu cau vay von nhieu, chi mot s6 da al) can duerc veri ngu6n von dm Ngan hang, nhiEu diEu kiEn khac co nguyen nhan la cac hi) san xuat kh8ng biEt teri cac san pham cita ngan hang va tam IS , ngai lam viEc veri the tpc girAy S Chinh vi vay dE me rOng quy mo cho vay hi) san xuat thi tren co ser phat huy toi da mang luei san c6, Ngan hang can phat trien hg thong cho vay thOng qua cac t6 chirc tren dia ban huyEn nhu cac t6 chirc kinh to — xa hoi, cac hqp tic xa tai the xi Day chinh la the to chirc ma the ho san xuat co the tiep can mOt each nhanh nhAt, thong qua day ngan hang mai me rOng duqc cho vay ho san xuat khong nhting cho vay trtrc tiep bei cac chi nhanh cua minh ma can cho vay th8ng qua the to chirc trung gian Co the not day la mOt nhung each nham phat trien mang !tree cho vay hi) san xuAt rong khip nhAt 3.2.4 Xay d(rng ke hoych Marketing Marketing Ngan hang la mOt nhang hoat dOng quan tong ctia Ngan hang, nhim quang ba, gieri thiEu hinh anh cua Ngfin hang, &Ong then tuyen truyen, quang cao nhang chitin luqc, chinh sach chuan bi duqc thuc hiEn cim ngan hang De ma rOng duqc quy mo cho vay ho san xuat thi Ngan hang phai co chinh sach Marketing phi' hqp Mong muon cua the h0 san xuat den vay von tai ngan hang la: nhanh Chong, ding, thoai mai giao dich, nhAn duqc str ton tong dm can bo tin dung, lit suit th6a clang Trong hoat dOng nay, ben can't !Ai suit linh hoat, ngfin hang nen huArt luyEn cac nhan viOn khong chi don than thuc hiEn nghiEp vu cita minh ma ding theri phai giai thiEu the lqi ich dm san pham, dich vu lien quan Thai phyc vu chinh la yEu to tao an toqng cua khach hang depi veri ngan hang, tao hinh anh rieng cira ngan hang long khach hang Day la hinh thirc quang cao tot nhat cho ngan hang vei chi phi a thAp nhat DE thtrc hiEn thinh tong hoat dOng Marketing &Si yea ngan hang, tat ca nhan vien va ban lanh dao dEu phai tham gia hoat dOng nay, coi tiep thi la cling the trqng tam, trach nhiEm cua town chi nhanh Trang 68 Thang Long University Library Mot nhUng giai phap can lam la tang cup:mg ding tac tuyen truyen quang cao Thong qua hoot dOng nay, cac hO san xuat co the Iva chgn, so sanh, thiy dugc lqi ich giao dich von ngan hang Cac hO san xuat chi tin twang va den von ngan hang hg thtrc sv hieu biet ve ngan hang Trong uteri gian qua ngan hang da thvc hien tuyen truyen, quang cao nhtmg hieu qua van chua cao Trong theri gian tai ngan hang can tien hanh cac bien phap quing cao mai nhu: phat ter rai, t6 chic tuyen truyen quang cao thong qua cac to vay von, cac buOi hqp dan Ngan hang can tien hanh phan nhom khich hang de thvc hien cac chinh sach, len danh sach cac ho san xuAt cif) nhu eau von I6n, vita, va nho de cep cac hinh thac tm dal phu hqp DE dot dirge num tieu tang truemg du nq cho vay ho san xuAt, ngan hang can de chinh sac hqp ly, hap din then nguyen tic ding chia se nil ro Duy tri cac boat dOng gap m*t, chac tat, tham h6i, dOng vien dOi voi cac ho san xuAt, too uy tin cuing nhu thien cam cfm hg d6i veri ngan hang Tiep tvc ma rOng, tim kiem cac ho san xuat meri, nhang ho c6 nhieu ti'em nang vay von tucmg lai Xay dung ka hoach cham sec khach hang di, co chinh sach uu doi, khuyen khich ve mat dich 91, barn sat chi; trucmg diu tit, dinh hueng chien lugc de de cling tac Marketing thu dugc hieu qua cao 3.2.5 Xay dying chinh stick lai suit phit hpp Lai suit cling la mot yeu t6 quyet dinh den nhu cAu vay vim cua cac ho san xuAt tir quyEt dinh dan quy mo cho vay ho san xuAt cua Ngan hang Hi'en nay, Ngan hang Van cho vay v6i mire lai suit kha cao Do Ngan hang phai tim cach giam !Ai suit cho vay, giam chi phi tin dung cho cac ho san xuAt thi cac ho san xuAt mai co nhu cAu vay von nhieu ham, tit de m6i co thE ma rOng quy mo cho vay Mot nhang cach tot nh'At doi van NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Dim la tim ngu6n re huy dOng cac khoin tien girl tiet kiem nhieu ham yeti chi phi vim phai DE tir de c6 chinh sach !Ai suit hqp ly nhim ma rOng quy ma cho vay ho san xuat 3.2.6 Nang cao chat brow hops acing cho vay 13'0 san xuat Chat lugng cho vay ho san xuat anh huerng Tarn den viec ma Ong cho vay ho san xuAt cfla ngan hang Chat lugng cho vay ho san xuat ma khong dam bao, t le ng qua han nhieu Ng x'Au cao anh huemg den hieu qua hoat dOng cua Ngan hang, lam giam ngu6n thu cho Ngan hang Tir do, no anh hueng loin den chinh sach ma rOng cho vay ho san xuAt cua Ngan hang, cac hi) san xuat gay mat niem tin tir phia Ngan hang, dOng thin hoat dOng cua ngan hang kem hieu qui do nguem de dau us cho vay hi) san xuAt han che Chinh vi vay, no se lam giam quy m8 cho vay ho san xuat cua ngan hang Ngtrgc lai, chat lugng cho vay ho san xuat dugc dam bao, ngan hang hoot dOng co hieu qua, lgi nhuAn thu dugc cao, cac ho san xuat tao dugc nie'm tin doi veri ngan hang, Trang 69 to ma ngan hang se co the ma rOng cho vay ho san xuit thin gian tiep theo De co the nang cao chit lugng cho vay hi) sin xuit nhim ma rOng cho vay h0 sin xuAt thi can tien hanh mot s6 bien phap 3.3 MOt so kien nghi 3.3.1 Kiln nghi vdi Ngfin hang Aging nghiep va Plait Irian Ming than Viet Nam De co the ma rOng cho vay h0 san xuAt he tilting NHNo&P1NT Via Nam nOi chung va NI-INo&PTNT ViEt Nam — chi nhanh huy'en Hoai Dirc not rieng thi truerc het NHNo&PTNT Via Nam can co chinh sfich Ili suit uu dai d6i veri cho vay ho sin xuAt dac bi4t la ho sin xuAt a ding thon, mien nui, vimg sau \ging xa Quy trinh, thit toc cho vay can don gian va chOt che, kh8ng nen qua nhiEu giAy to phi'e'n cho khach hang, nhtrng van phai theo quy trinh nhAt dinh de dam bao chit lugng cho vay, vi khach hang dm NHNo&PTNT Via Nam chit yeu la nong din veri trinh dO dan tri can nhieu han che NHNo&PTNT Via Nam can ban hanh nhting quy dinh co the hoa viec trich lap quy pheng xir Iy rui ro a chi nhanh co sa vi rui ro kinh doanh Ngan hang la rat Ion va da dang, dOc biet la kinh doanh linh vkrc nong nghiep, sin xuAt nong nghiep chiu inh huemg lem coa dieu kiEn tkr nhien, riti ro bit kha khang cao, rui ro xay co anh huerng rOng Ion lam cho nguy co mat von cita Ngan hang cao Vi voy, viec trich lop quy phong xis19 nil ro va sir ding quy nhu the nao coy nghia rat Ian den so an man kinh doanh cita cac Ngan hang NHNo&PTNT Via Nam can ma rOng cac hinh thirc huy dOng von vi 461 veri Ming thon thi ngu6n vein nhan r6i din cu khong nhieu nhu ciu von cao DE tir co nguhn von phvc vv cho viec ma rOng cho vay ho sin xuAt Deing theri, NHNo&PTNT Viet Nam can tao cac hinh thirc cho vay mai, tao co chE !Ai suit uu tiEn hon via the ho sin xuAt nhim ma rOng quy m6 cho vay hi) sin xuAt Vi vay, yin de tao nguan v6n kinh doanh, diet' hoa v6n can &roc day manh co hien qui DOng thai cling can tang cuing tim kiem khai thic cac nguOn van u9 thac cita cac t6 chirc, chinh phit Co nhu vOy Ngan hang mOi co nguhn von de ma rOng cho vay ho sin xuAt Co ke hoach tai trq dao tao ki'En thirc mai quan 19, kien thirc ngoai nganh, kien thirc ve thi throng, ma cac lap top huin ve tiep thi Marketing DE dao tao 401 ngu can 130 Ngin hang co dit trinh d0 chuyen mon nghiep vv va phim chit dao dire, phim chit nghe nghiep Trang 70 Thang Long University Library NHNo&PTNT Viet Nam can phai co bien phap, co the quan ly tra va quy dinh cu the dam bao moi twang canh tranh lanh manh hoat &Ong kinh doanh cua ngan hang, phai thvc hien quy the tin dung chung cua Ngfin hang Nha nuerc Theo quy dinh hien hanh, cac hp nong dan duqc giao dAt sir dung lau dai, vay tren 20 trieu &Ong phai the chip quyen sir dung dat nong nghiep Tuy nhien dieu chi co gia tri ly thuyet va tren thvc to ngueri vay khong hoan tra nq thi tai san la tat can tim moi hinh thirc nong nghiep rat kh6 phat mai Vi vay, NI1No&PTNT Viet Nam dam bao moi co kha 'tang thvc thi cao nham hi) trq cong tic cho vay cua cac Ngan hang cling nhu viec san xuat cua cac ho nong dan NHNo&PTNT Viet Nam can nghien eiru cai tien quy the cho vay qua to hei nhom, hinh thirc giai ngfin, thu nq, hinh thirc cho vay nao can dirge nhfin Ong, tao hanh lang phap ly r8 rang, chat che, thufin Iqi cho ma rang cho vay den veri kinh to ho san xuat deng thai dam bao chit luong cho vay 3.3.2 Kiln nisi voi Nem hang Nha nut Viet Nam NHNN can c6 chinh sach cho vay chi& khau yen lai suAt uu dai doi vori NHNo&PTNT Viet Nam theo thin vv vi linh vut hoat ging ch8 yeu cua ngan hang la Ming nghiep va nong th8n ma dac quan tong dm san xuat Ming nghiep la mang tinh thin vv cao Khi den mica vt, nhu eau vay von dm h0 tang nhanh dO kha nang cua NHNo&PTNT Viet Nam la co han nen khong the huy deng von kip xuat, thin dap ling nhu cau von dm ho, de nang cao chit luqng cho vay doi vori WO san dam bao cho qua trinh san xuat lien tvc Ngan hang Nha nuerc can co chinh sach cho vay chiet khau lai suit uu dal vei NHNo&PTNT Viet Nam cu the cac mat sau : Lai suAt cho vay chiet khAu thich hqp dam bao cho NHNo&PTNT Viet Nam co the cho vay vei mire Lai xuat ma WO san xuat co the chap nhan duqc Thai han cho vay chiet khau du dai de phi, hqp yeti hoot deng san xuat, kinh doanh cua cac he san xuat Cac lchoan cho vay chiet khau can duqc thvc hien met each nhanh chong, kip thai, tao dieu kien thufin lqi cho cac he san xuat vay vein kip thin NHNN phai thutmg xuyen cung cap th8ng tin kip theri, chinh xfic ve cac van ban cua NHNN Viet Nam cho cac Ngan hang thucmg mai, dac biet IA he th6ng chi nhanh NHNo&PTNT Viet Nam nham giiip cho Ngan hang co nhang chinh sach phu hqp va kip thai veri tinh hinh moi Trang 71 NHNN cling can tiep We tang cubing tra, kiem tra kiem soat doi vai the ngan hang thuong mai de dam bao an toin cho hoat d6ng kinh doanh cua cac ngan hang dac biet la cac chi nhanh NHNo&PTNT Viet Nam, viec tra dei hoi phai dung quy djnh da de KET LU4N CHUICING Te viec nhan thirc duqc vai tro cua hoat dOng cho vay he san xuat cum NHNo&PTNT Viet Nam deng melt vai trO quyet dinh viet phat hien kinh to ten dia ban Huyen Hoai Dire, NHNo&PTNT Viet Nam — chi nhanh Huyen Hoai Due da kh6ng ngirng hoan thien quy trinh, thu tue cho vay nham nang cao chat luqng cho vay va ma r6ng hcrn naa quy mo cho vay d8i yeti he san xuat Chuang ella khea luau da neu mot so giai phip nham nang cao, hohn thien ding tat me rOng cho vay din yeti ho san xuAt cua NHNo&PTNT Viet Nam — chi nhitnh Huyen Hoai Dirc,thing theri neu cac kien nghj d8i yin NHNN va NHNo&PTNT Viet Nam Hy vong nhang thing gap neu tren c6 the ling dung thuc tien nham ma r'eng hon naa hoat dong cho vay doi yen he san xuAt tren dia ban, dem lai nhung hieu ling tich cue tai nen kinh to nang th8n cua Huyen Hoai Dim Trang 72 Thang Long University Library KET LU4N Kinh to he san xuAt la met phin kinh to quan tong nen kinh , la to thi truemg, phat trien kinh to ho san xuat met cach town din vat ca ciu hop IS to van dua met dieu ki'en can thief de phat trien kinh to dm met dit nuerc co it kinh nhieu vao san xuAt nong nghiep Nu& to Ia met nuec di len tir san xuat nong nghi'ep, co xuAt phat diem thip, kha ning tich lug de ma reng diu to rat han che, dic biet IA kinh to he san xuat HO san xuat chit yeu san xuAt nong nghiep Chinh vi vay, hoat deng tin dung ngin hang dei von he san xuat coy nghia rat quan tong viec thec day phat trien kinh he san xuat Trong nhang nim qua, NHNo&PTNT Viet Nam — chi nhanh Huyen Hoai Dec di he san xuat la khfich c6 nhtmg chinh sach quan tam thich clang dei von he san xuat, coi sam cac yeu to dAu hang chit chot, cung cap yen tao dieu kien cho cac he san xuAt mua to vao phat trien cac phuong an san xuat, kinh doanh ten nhieu link vuc nhung chu yeu la nong nghiep, ho trq chinh sach xoa d6i giim ngheo Tuy nhien nhieu nguyen han che nhit nhan ma chit lugng cho vay doi voi he san xuat van ten tai met se dinh, quy m6 cho vay he san xuat van nhel chua tuang xUng von se !thong cac he san xuAt ten dia phucrng Trong qua trinh thuc tap, yeti that to nghien cfru, tim hien hoat &Ong cita cac he san xuAt, thut trang cho vay dei von he san xuAt, tim met so cho vay ho san xuAt va nguyen nhin cua no Tren ca se do, em xin dtra han che met se giai phap nhO nhim me reng quy me cho vay he san xuAt tai NHNo&PTNT Viet Nam — chi nhanh huyen Hoai Duc Nhtmg thai gian nghien ciru co han, trinh de can nhieu han che, nong nim bit tinh hinh that to cling nhu suy luin yin de chua sau nen khong the tranh khoi nhtmg khuyet diem, thieu set, nhung em mong rang ► phat met se dong gep nhu viy co the g6p pit me reng cho vay he san xuAt nhi trien kinh to he san xuAt, tao dieu kien cho cac he san xuat ten dia ban co nhung buerc phat trien m6i, thay del be mit nong nghi'ep nong th6n cila phe, gep phin ning cao den song cua nguei dan khea luin co the hoar thin ham nen Em fit mong muon nha'n duqc sg Op 5, de ' tinh Em xin chin cam an giao vien hueng dan, Th.S Le Thi Ha Thu di tat huerng dan va tao dieu kien cho em hoan khea Mn.► Trang 73 TAI LIEU THAM KHAO Gido trinh Ngan hang thucrng mai, PGS.TS Phan Thi Thu Ha, NXB Quan tri Ngin hang thucmg mai, Peter Rose, NXB tai chinh th6ng ke Giao trinh 19 thuyet tai chinh tien te, PGS.TS Nguyen Him Tai Gido trinh thim dinh tai chinh du an, PGS.TS Luu Thi Huang to Quee din Giao trinh Kinh ti Ming nghiep - Dai hoc Kinh chi nhanh huyen Bao cao ket qui host Ong kinh doanh NHNo&PTNT Viet Nam — Hoai Dire giai down 2012 - 2014 chi nhanh huy'en Bat) cao ket qua hoat Ong tin dung NHNo&PINT Viet Nam — floal Due giai down 86 tay tin dung tai NHNo&PTNT Viet Nam — chi nhanh huy'en Hoai Dire Quyet dinh s6 72/QD-HDQT-TD ve quy dinh cho vay dei veri he san xuit cim Chit tich HDQT NHNo&PTNT Viet Nam, 31/3/2012 165/QD-HDQT ve viec "ban hanh quy dinh ve phan loci nq, trich 10 Quyet dinh s6 lop va sir dung du phong de xir 19 rid ro tin dung hoat deng ngin hang dm NHNo&PTNT Viet Nam" ciia Cho tich HDQT NHNo&PTNT Viet Nam, 6/6/2012 Trang 74 Thang Long University Library NHNo&PTNT CN HA TAY NHNo&PTNT Hohi Din CQNG HOA x A HQI CHI) NGHiA VIET NAM DOc hip - Ty — Hhnh ph& *** Hodi der, ngtiy 16 thdng ndm 2015 NH4N XET KET QUA THI/C 14P CUA SINN VIEN DE TAI " Giai phdp me fling hogs dpng cho vay di& vol HP san xuat tgi NHNo&PTNT Vii Nam chi nhdnh hay& Hold Mk Ha Tay" Sinh Vien thvc tap: Nguyen Tien Long Ma sixth vien: A17384 Chuyen nganh: Ngan hang Truing Hai hoc Thing Long Qua qua trinh thvc tap tai NHNo&PTNT Via Nam chi nhanh huyen Hoai Disc Ha T6 va xem xet Khod Juan tot nghiep cum sink vien Nguyen Tien Long NHNo&PTNT cl nhanh huyen Hoai Dire HA Tay c6 nhan xet nhu sau: 1/ Vet gut' trinh thvc tfp ctia sink vien - Coy thirc t6 chirc k9 luat Chap hanh tot not quy, quy Binh cua ca quan, Ma nt vei m9i ngu&i Ichong gay mat down ket nOi b0 - CO dam va tinh than hoc tap atghien ciru cac van ban, cht quy Binh ci NHNo&PTNT Via Nam ve hog Ong cap tin dung deli voi HO san xuat ; tong then hc h6i kinh nghiem can b0 ca quan 2/ Eta nfi dung khod luon tot nghifp - Nim dugc nhung 19 Juan ve cong tic cap tin dung hoat dOng ngan hang ci ngan hang thucmg mai - Nam chic kien thirc ca ban ve hoat Ong cap tin dung di vai HO san xuat tror hog dung ngan hang hien clang dp dung tai NHNo&PTNT Via Nam chi nhanh huyi: Hoai Dim HA Tay Deng then da van dung gift 19 Juan da dugc h9c tap tai truang vi tinh hinh thvc to ve hoat Ong cap tin dung doi vdri HO san xuat hog dong ,ngi hang thi, don vi thvc top, de mot so giai phap ma Ong hoat dOng cho vay( cap t: dung) doi yeti HO san xuat nham nang cao chat lugng hog dOng kinh doanh tai don vi NHNo&PTNT HUYtN HOM DITC KT GIAM DOC P.GIAM t OC KAN MIK tellIG 19114P MIT IREM VItT NAY alloo4NN NUVEN 110A HA T GQC THE [...]... trueng t6 vay von, ho san xuit ding IcY vay von tir t6 vay von Cho hO san xuAt vay tryr tiip thOng qua doanh nghifp: Cing giOng nhu cho vay qua t6 vay von, ngan hang th8ng qua doanh nghiep de trkrc tiep cho ho san St vay von DOi Ming vay la cic ho san xuit nhan Ichoin dia the doanh nghiep Cho vay giin tap h4 sin aunt Cho vay gian tiep la phuong thirc cho vay ma ngan hang thong qua cic t6 chirc trung... third cho vay dui vdi hQ sin xuAt Cho vay trip tiep h0 sin suit Cho vay troc tiep la phuang thirc cho vay ma 6 day ngin hang se trim tiep cho ho sin xuat vay vim , hp sin xuAt troc tiep nh§n vein vay tir nein hang, tir dim den cu6i qui trinh vay chi phat sinh mOt khoin vay cita her sin xuAt yin ngan hing Day la phuang thirc vay ph6 bien nhAt vi quan tong nhAt toi cic chi nhinh NHNo&PTNT Viet Nam rip... xuat co the vay duqc nhieu hon Quy mo cac Ichoin vay tang len ket hop yeti cac chi tieu danh gia nil ro cho vay se giup chi: mg to dank gia dugc hoot dOng ma rOng cho vay d6i vol hi) san xuAt co dam bao dugc tinh d6ng b0 ca ve s6 itrcmg va chit luqng hay khong T6c dO tang truOng DS TB nam fru& — DSTB nam trtrac x 100% doanh s6 cho vay TB = DSTB nam truac tren mOt ho san xuAt Thu nhpp tir cho vay hp san... clang ye nganh nghe cho vay cling la yeti t6 the hien viec cho vay ho san xuAt duqc me rOng, khi cho vay da clang ve nginh nghe thi s6 luqng ho san xuAt vay von tang, doanh so cho vay ho san xuat cling tang Deang thin, so da clang ve nganh nghe cho vay con Op phAn giant nii ro tin ding cho nem hang, gap phiin nang cao chit luqng tin dung cho ngan hang Tir do, van de me tong cho vay h0 san xuAt cua... quy mO cho vay ho san xuAt tang 16n, thOng qua str tang truing ve doanh s6 cho vay h0 san xuat qua the nam to co the thAy duqc quy mo mer rOng hoat eking cho vay ho san xuAt mot each toan dien Tric do tang trutmg doanh s6 cho vay d6i voi WO san xuAt duqc tinh nhu sau: (Doanh s6 nam tithe - Doanh so nam sau) T6c do tang twang doanh sO cho vay hi) san xuAt x 100% = Doanh so nam truerc Doanh sO cho vay ho... chirc kinh to xi hOi thvc chit la cho ho san xuit vay bang tin chip, bang uy tin dm cic to chile dimg ra trung gian Mac du cho vay nhu vay se giam chi phi thim dinh cho ngan hang, nhung do khoan vay khong dirge bio dim bang tai san dim bio, rill ro tong hoot dOng cho vay nay la kha cao, c6 the anh hutmg den chit lirqng tin dung ngin hang 1.1.4 Vai trd cuts hoist ding cho vay vdi hO san xuJt Trong qui... din kha ming ma rung cho vay ho sin xuAt trong thai gian ten cua ngin hang Bin thin h0 sin xuat co AM huang den hoot dung cho vay cua ngin hang Ichong chi 6 quy met cho vay ma con a chit luqng cho vay Nhu au cita cic ho ve sin xuAt trong nhung 11nh Arc nhAt djnh quyet djnh din quy mo vay von cila cic ho, dung thai quyit djnh den doanh so cho vay ho sin xuAt cua ngin hang Sau khi cho vay thi tinh thin... m6 ma con dam bao chit luqng cea hoat dOng cho vay, gOp phan 'tang cao hieu qua cea heat dOng cho vay d6i vai ngan hang i4 doanh so cho vay va du np doi vdi hp sin xuat Day la nhang chi tieu the hien viec cho vay ho san xuat da duqc me rOng hay chua me rOng mOt cach chinh xac tuyet d6i Doanh s6 cho vay dti van ho san xuAt la khoi luqng von ma ngan hang da cap cho cac h0 san xuAt vay de san xuAt, kinh... huang den chit lucmg cua cho vay, inh htremg den quy mo cho vay lin sau coa ngin hing C6 the n6i, bin thin hi) sin xuat co nhieu inh huang den khi ning mo rung hoot dOng cho vay cua ngin hang Nhin t6 nOi tai cfia ngin hing thmmg mai Ben canh nhin to chit quan la cic h0 sin xuat thi trong cho vay ho sin xuAt cung can nhan to chit quan het suc quan trong, d6 li bin thin ngan hang cho vay Chinh cic chinh... co chinh sach xac djnh mire lai suit cho vay ho san xuat hqp ly de ca the tang kha nang cho vay, thu hat cac ho san xuAt co nhu cau vay vein den ngan hang vay vein Chink sdch phtit trim hoist (king cho vay doi vai Ni t stirs xuat Ck chinh sach phat trien cia ngan hang ding anh huOng den quy me cia cho vay ho san xuat Mai ngan hang deu co nheng djnh hueng phat then, xac djnh Ichich hang mqc tieu cho