Giải pháp phát triển dịch vụ ngân hàng tại ngân hàng nông nghiệp và phát triển nông thôn chi nhánh 3

! " #$ % *$ & ' ( ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ # & '% +$! , ' ( & - $/ 12 3$4 , , ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ # & )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ * - )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ * ' ( )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ * 567 8" 9) / : #) / ; #$#$ D "A /" C 9D : A7 D ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$ + D + * : ##################################################################################### + : ########################################################################################### "A B : ############################# 3 C 9D : A7)$$$$$$$$$$$$ H ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ H I ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ J ##- ( ' #8#- * + ( ! #$#$*$+$! L ' F #$#$*$.$/ ( : ######################################## J ( *+ ( + ! :################################ K ( )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ K & C X B B IT I ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ #3 5B D 5B *$#$#$ G *$* I =7 G" =D >? *$#$D5E G" DR7?E & / =D DR7?E = B 5B D 5B +W D C / 5U D D +Y) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ #K *$*$#$G IT T *$*$*$/ Q *$*$+$; ' ( *$*$.$ - 7?6 I F U D D +) $$$$$ #K &) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *# F ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ ** >"A / Z D "56/ / ! , ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *+ *$*$.$*$ , *$*$.$+$ ,D & *$*$.$S$ P *$*$.$H$ M *$*$3$/ / , D F / ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *+ G 2[) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ * / % P F 5C 9 7?6 >"A ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *+ Z *$*$.$3$ / =/ = *$*$.$#$ *$*$.$.$ /" I P F ; &) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *.& V )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *3 & &U > IP , )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *3 )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *3 > &/ D > 8M > &U IP ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *S *$*$3$#$/ , IP F & IP - +) 85 +$#$/ =/ A7 = & : ################################################################################ *H AD !56 8@/ !56 47 M : ######################################################################### *S >#>#C#>#># / &U )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$*S >#>#C#>#"A B /" C DR5 AD U D D +) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *J 8@/ >"A B C 9D : A7 D A7 + $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *J +$#$#$ 8M & 2' +$#$*$ 8M & ,- % +$#$+$ 8M &V +$#$.$ 8M & [ , ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *J & ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ +N )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ +N I O , , $$$$$$$$$$$$ +* 8# 8# D5 ( :########################################################## 8> +$#$3$ 8M &P +$#$S$ 8M & F +$#$H$ 8M & ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ + +$#$J$ 8M & +$*$ B D^/ B +$*$# DT ] V ( P ( V1 Z AD !56 47 & ' )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ + , )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ + ' 85 P )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ +3 8@/ >"A U D D + $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ +S C D A7 T & P +) $$$$$$$$$$ +S +$*$* DT T & P , & - F M & +)$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ +H 8#>#>##>#> D5 " : ########################################################################### A< 8#>#>#8 D5 ' : ########################################################################## AA 8#>#>#A D5 ( !" 8#>#>#F# D5 ! 8#>#>#E# D5 3 +$+$ ! = 97 = D\ % *:####################################### AE : ###################################################### AG , \ & ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3# >"A B U D D + $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3* & )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3* , 8#8#>##>#G#D5 $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3+ : ############################################################################# C8 +$+$*$*$ [ 8#8#>#>##>#># & ,$ $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 33 :######################################################## CC :############################################################ CE 97 D A7 / $#$ / # # $ / #% 8#>#>#C D5 / : ( # $ !" +$+$*$ :################################################################## 8E = = =D DR7?E 8@/ >"A B C U D D +$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3K $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3K $#$#$ / $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ 3K $#$*$ D $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ SN .$*$ / - A#>##># ( ! A#>#8# ( ! I F + + - - $*$+$*$ / - - ! ( A#>#8#>#># ( A#>#8#>#A# D5 A#>#8#>#8# D5 $*$.$ ! ' ( 05 & + ! & A#A# , M & )$$$$$$$$ S+ :############################################################### FA ####################################################### FC ################################################### FF * : ##################################################### FE ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ SH & & % ' ( P ) $$$$$$$$$$$$$$$$$$$$$$$$$ SH O Q & F : #################################### FA ! , M - F $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ S .$*$H$ D Q $+ , I F ( Q $*$S$ :############################## F< ( : ################################################# F> I F $*$3$ D Q ( - ! 05 A#>#8#>#8# D5 $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ SN * ################################################### FK ( & 53 $*$+$#$ / A#>#8#>#< M ' F 12 ( & )$$$$$$$$$$$$$$$$$$$$$$ HN P & )$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ H# - I F M U D D +) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ H* M ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ H+ 4?_D " ) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ H3 Z *$#) DT Z +$#) , O Z +$*) DT T Z +$+) DT T Z +$.) D2 I & Z +$3) , O Z +$S ) D2 I & P T "A/ / =/ Z - Z7?E" I F & ' P 2' , , ( & O , , - I , F Z +$H) DT T P Z +$J) DT T P Z +$K) DT T Z +$#N) DT Z +$##) D2 & M & I F P T , VM I F P M F & M & D V1 V ( P ( ,P , "A/ / =/ Z7?E" !5 Z7?E" !5 +$#) D\ \ = Z7?E" !5 +$*) D\ 47 A7 " G" / =/ ` /" / + \ "< !56 >5_ D ?5 D C D?_ Z7?E" !5 +$+) D5_/ !56 D ` DR: 8: Z7?E" !5 +$.) D< ?6 D " >"A DR?B D5E 85 G" / =/ ^ 8@/ `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oàn thi n môi trư ng pháp lý: Hi n nay, h th ng pháp lu t nư c ta chưa ñư c hoàn ch:nh ñ ng b , ñó có c lu t kinh t , ngân hàng… Do ñó ñ ñ m b o quy n l i ñáng cho nhà ñ u tư ngư i s d ng v n nhà nư c c n ph i ti p t c hoàn thi n, s a ñGi, ban hành lu t, văn b n dư i lu t có liên quan ñ n ho t ñ ng kinh t nói chung ho t ñ ng gân hàng nói riêng ñ t o hành lang pháp lý cho ho t ñ ng c a doanh nghi p NHTM ñi ñúng gi i h n * T o môi trư ng kinh t vĩ mô Gn ñ!nh: Nhà nư c c n xác ñ!nh rõ chi n lư c phát tri n kinh t , ñ!nh hư ng ñ u tư, ti p t c ki m tra l m phát, Gn ñ!nh giá tr! ñ ng ti n ñ khuy n khích ñ u tư… t o môi F@ trư ng Gn ñ!nh cho doanh nghi p ho t ñ ng Môi trư ng kinh t vĩ mô Gn ñ!nh ti n ñ cho doanh nghi p phát tri n, tăng tính an toàn cho ho t ñ ng ñ u tư c a ngân hàng t o nhi u nhu c u ñ i v i SPDV, tR ñó giúp ngân hàng ña d ng hoá SPDV c a FI 1