LUẬN văn xây DỰNG CHIẾN lược PHÁT TRIỂN TRUNG tâm QUỸ tín DỤNG NHÂN dân

LUẬN VĂN THẠC SĨ XÂY DỰNG CHIẾN LƯỢC PHÁT TRIỂN TRUNG TÂM QUỸ TÍN DỤNG NHÂN DÂN BUILDING STRATEGIC DEVELOPMENT FOR CENTRAL PEOPLE'S CREDIT FUND PERIOD 2010-2020 INTRODUCTION After more than 20 years of renovation from 1996 to present the great achievements gained from the renovation of the country, Vietnam has gained many achievements in economic development, especially poverty reduction and stay in political stability, people's life improved clearly the Vietnam Textile noduoc can be evaluated as national economic growth to the fastest in the world, Vietnam has tried to The first to improve the quality of life for people, pursue the objective of building a country of rich countries with strong social democratic and civilized, economically strong, solid defense, stability of the and for the development of prosperous nations peoples Compared with other countries in the region and the world, Vietnam is considered as attractive destination for foreign investors, as Vietnam has abundant human resources, hardworking people of Vietnam creativity, grace th love and good will to labor and capital to Vietnam could have consumed large school with a population of over 83 million people, with a mostly young population, large potential purchasing power, the ability to consume goods is significant, adding that policies to encourage investment market opening of the state, especially nhapva trend since 2007 when Vietnam has officially become a member of the WTO more open to Vietnam opportunities to attract big investors, reputation in the world to Vietnam Today, many multinational corporations have also in Vietnam, and the number will be increasing since 2007 when Vietnam officially becomes WTO member Along with attracting investment from abroad, Vietnam has many opportunities for access to new technologies of the world and conditional learning experience of other countries in the world on sectors that Vietnam are also areas such as Manufacturing industries, operate using the product line of modern enterprises in factories , a short cut to the conditions and inherited the essence of the world to strive to gradually Home is the advanced technology of the world, to the production technology in modern world of the PRODUCTION to create higher labor and production skills to create commercial products with good quality competitive high on the domestic market, the region and the world will help create more material wealth for the society contribute to the development of the country foreign to shorten the process of modernization, the modern lines will these quality products to meet the increasing needs of the target dungSong combined with modernization of the production process which is also an advantage when Vietnam integrates deeper into the world economy Vietnam market, but large enterprises Vietnamese Namdo Now most businesses are small and medium scale by restrictions on capital and financial resources just to develop small and mediumscale, low capital, so large investment projects please make difficult without foreign investment, thus attracting capital from outside will help Vietnam enterprises have the opportunity to expand the production scale business improvement modernization of the stages in the work of management, promoting the application of new technologies in the management field, especially information technology, bringing line SX modern and advanced technology to Manufacturing process in order to save manpower, reduce costs, high energy production workers, good quality goods cheaper and competitive market will help create more high-wealth of material for social improve people's lives and increase quality of life Not only reduce the foreign debts, but also have the opportunity to implement large projects In particular, the appearance of large banks open investment opportunities for older people, for businesses to individuals and to society WTO accession as well as joining organizations, big economic forum in the world as Asean, Apect an opportunity for investors to Vietnam to expand market and consumption goods., opportunity to the world that came to Vietnam with high quality products, designed, meet customer caucau been the destination of the big names in the business world for business gioi.mo Vietnam Enterprises in Vietnam will play a large playground with him where equality is absolute respect: Competitive equality, equity and investment opportunities for all businesses is the same For the financial sector Bank of Vietnam, the arteries of the economy, the transition to meet requirements of integration is becoming a problem requires urgent Weaknesses opportunities and challenges of doing thongtai main bank system in Vietnam hangan namNam always potential risks and cause an unsafe theanh entitled to threaten the stability of the economy if there is no development strategy and appropriate solutions In the Daily Government approving the development strategy in banking in 2010, the State Bank of Vietnam said that need a long-term strategy for the banking industry an effective performance by standing in front threshold gateway for international economic integration, Vietnam has banks revealed not limited, weak and is facing many difficulties and challenges As we all know the banking systems to keep a very important role in the direct administration of the state, promote economic growth So to stand firm and developed in the context of international economic integration, the banking system should focus on planning a strategy suitable to the context of the overall integration and rubber as well as the region's on the objective is to good Banking system stability and adapt to the change of the process of Vietnam integration into the world economy According to the State Bank, commercial banks and other credit institutions have weak financial capability, high level of risk and low competitiveness For example, quality "assets" in the low rate of overdue debt is too high (5.8% of total outstanding loans in 2003) Own capital as a child, did not meet the standard safety factor of minimum capital (