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THE STATE BANK OF VIETNAM MINISTRY OF EDUCATION AND TRAINING THE BANKING ACADEMY -o0o HUYNH THU HIEN CONTRIBUTION OF BANKING CREDIT TO NEW RURAL CONSTRUCTION IN SOUTH CENTRAL PROVINCES Major: Finance - Banking ID: 9340201 SUMMARY OF DOCTORAL THESIS IN ECONOMICS HANOI – 2020 THE THESIS IS COMPLETED AT THE BANKING ACADEMY Scientific instructors: Dr TONG THIEN PHUOC Assoc.Prof.Dr NGUYEN THUY DUONG Examiner 1: Examiner 2: Ezaminer 3: The thesis is defended in front of the Thesis Council at academy level held at the Academy of Finance at…… hour day … month … year 2020 The thesis is available at: - The library of the Academy of Finance - The National Library of Vietnam PREFACE Urgency of the thesis topic The South Central Coast region consists of provinces from Da Nang to Binh Thuan with a total natural land area of 4.45 million ha, accounting for 13.2% of the country's total area The region has 3.67 million hectares (ha) of agricultural land , accounting for 82 , 47% of the country’s total agricultural land area With over 1,300 km of coastline, many seaports, roads, railways and airways connecting with other regions in the country and internationally with diverse and abundant land and climate resources, the region hs many favorable conditions for agricultural development and new rural construction However, after 10 years of implementing the National Target Program of Building New Rural Areas, only 378/825 communes, accounting for 45.82%, have been recognized as meeting the new rural standard, lower than the national standard (50.8%) and only higher than that of the Central Highlands (37.73%) and the Northern mountainous area (26.45%) The results of the implementation of the new rural construction program are not the same among the provinces in the region, although the natural and socio-economic conditions among localities are not too different Some provinces have so far only less than 50% of communes reaching new rural standards (Quang Nam, Quang Ngai, Phu Yen, Khanh Hoa, Ninh Thuan) and the average number of criteria/commune reaches less than 15 criteria Many criteria directly related to the life of the people are still very low, such as income criteria (60.6%), poor households (61.3%), organization of production (70.3%) Limitations in the new rural construction process of the region in recent years are maybe tem due to both objective and subjective reasons such as: the transport infrastructure system is still limited and weak; the ability to organize production of a part of the population in remote and isolated areas is still lacking; farmers, production households, enterprises, cooperatives and farms in agricultural and rural areas mainly have small production scale, little capital, lack of awareness to market economy, low competitiveness, leading to difficulties and limitations in joint ventures, production and distributions; iIn recent years, there have been many shortcomings in the poverty reduction policy, leading to dependence, satisfaction with current life, lack of will to rise out of poverty of a part of the poor; the efficiency of a number of loans from to the government's economic and credit program in rural areas is still low; the bank's lending policy has not been closely linked with the local policies These have made local credit institutions hesitant in providing credit in rural markets Currently, the outstanding loans for new rural construction are still mainly concentrated in the Bank for Agriculture and Rural Development (BIDV) and the Vietnam Bank for Social Policies (VBSP) (accounting for 88.9% of the new rural construction credit balance of the region); this is one of major reasons why the new rural construction process in this regions has been on par with many other areas of the country Therefore, it is an urgent issue to boost bank credit capital for agricultural and rural development which helps create favourable conditions for people and businesses to develop production and raise incomes, becomes the firm stepping stone for economic development, and contributes to new rural construction in South Central provinces Based on that reality, the author chose the following topic for the doctoral thesis: “Contribution of bank credit to new rural construction in South Central provinces” Literature review 2.1 In foreign countries There have been many studies in the world in the field of credit for rural areas, typically the following studies: In the study "Prosper or Perish: Credit and Fiscal Systems in Rural China" published by Ithaca Press University, Lynette Ong (2012) addressed the problems of China's agricultural credit, pointing to the imbalance between central and grassroots credit systems Between 1985 and 2004, the Rural Credit Cooperatives (RCCs) were China's official banking institutions which mainly served rural people The lack of alternative savings institutions and investment channels made RCCs a very popular savings option in rural China The function of Chinese agricultural cooperatives were to support credit for agricultural development of farm households However, according to national statistics on the loan portfolio of Chinese agricultural cooperatives, the proportion of loans to farmer households was much lower than that of rural enterprises Therefore, it was necessary for the Chinese government to take active steps to reform its financial and banking system to ensure the credit and financial system in rural China can prosper In the article "Mysteries on India's Agricultural Credit" published by The World Financial Review, Narayanamoorthy and Alli (2015),examined the natural relationship between rural credit and agricultural GDP growth and made an assessment of the reality of rural credit in India Many farmers taking part in rural credit did not only fail to make profits, but became more difficult due to incurred additional loan costs because the agricultural credit they received was not used properly Through the study, the author proposed three policies that the Government of India could implement to promote the development of the country's agriculture sector: double the amount of agricultural loan in consecutive years, implement the hunger eradication and poverty reduction plan for farmers, and have policies to support interest rates for those who are not subject to poverty reduction The study of Kim Young-Chul (2004) on “Improving the Agricultural Finance System: The Changing Role of Agricultural Cooperatives in Korea” was pusblished in the Journal of Agricultural Economics, Konkuk University Seoul, South Korea Through an assessment of the reality of Korea's agricultural development, the author provided valuable information on Korea's efforts and initiatives in improving the agricultural financial system A series of policies were introduced to stimulate growth in the agricultural sector in Korea, such as reforms towards a banking system serving both agricultural and non-agricultural sectors; improvement of management efficiency through a credit rating system; strengthening of the credit monitoring system in which establishing an effective supervisory credit system was considered the most successful solution This supervisory credit system is the agricultural cooperative system of Korea Published studies focused on analyzing and assessing the reality of rural credit development in countries around the world Along with that, the authors also proposed some policy recommendations for regulatory agencies and recommendations for financial institutions in the context of strong demand for rural credit development 2.2 In Vietnam According to author's research, currently there are not many studies on bank credit for new rural construction Notable studies are: 2.2.1 Agricultural , rural, and new rural development The book titled "New rural construction in Vietnam nowadays: a study on the South Central Coast" by Pham Di (2016), published at the National Political Publishing House, is a quite comprehensive document about new rural construction both in terms of theory and field research in the South Central Coast However the author's time of research on new rural construction is according to the Decision No 800/QD-TTg of June 04, 2010, approving the national target program on new rural construction during 2010-20200 and Decision No 491 / QD-TTg of April 16, 2009 promulgating the national set of criteria for new rural areas The doctoral thesis of Nguyen Van Hung (2015) on "New rural construction in socioeconomic development in Bac Ninh province" was successfully defended at Ho Chi Minh National Academy of Politics In this thesis, the author systematized the theoretical basis of new rural construction in socio-economic development; presented new rural construction experiences in local socio-economic development in some countries such as China, South Korea or domestic provinces such as Ninh Binh, Hai Duong, Vinh Phuc to draw lessons for Bac Ninh province; conducted analysis and evaluation of new rural construction practice in socio-economic development in Bac Ninh province according to criteria from 2020 to 2015, clarified the achieved results, limited existence and causes Based on the combination of theory and practice, the author proposed basic directions and major solutions to new rural construction in socio-economic development in Bac Ninh province to 2020 Thus, In the content of that thesis, the author mainly analyzed the criteria of new rural construction in socio-economic development of Bac Ninh province in the period of 2010-2015 and proposed solutions to 2020 Hoang Tien Cuong (2016) presented the articled titled "Some theoretical issues on agricultural development and rural economy associated with new rural construction in the context of accelerating industrialization, modernization and international integration" published in The National Science Conference on agricultural development and rural economy associated with new rural construction in the Central region which was organized by the Institute of Social Sciences of the Central Region In that article, the author systematized some concepts about rural area, agriculture, rural economy, viewpoints and conditions for implementing the objectives of agricultural and rural development associated with new rural construction, the Party and the government’s policies, and factors affecting agricultural development and rural economy associated with new rural construction At the same time, the author also provided some new approaches and six experience lessons in agricultural development and rural economy associated with new rural construction at grassroots level That study was carried out on agriculture, rural development, new rural construction in the Central region with the government’s policies from 2015 and earlier In summary, according to the author’s research, so far there are many quiate many studies on agricultural development, rural development and new rural construction but these studies were mainly done in the first phase of new rural construction (the 2010 – 2015 period) and were done according to the Decision No 800/QD-TTg of June 04, 2010, approving the national target program on new rural construction during 2010-20200 and Decision No 491 / QD-TTg promulgating the national set of criteria for new rural areas 2.2.2 Credit activities for agricultural, rural development and new rural construction The doctoral thesis on "Credit policies of the Bank for Agriculture and Rural Development of Vietnam for the development of agricultural and rural economy in the Central Highlands" of Nguyen Manh Hung (2008) was successfully defended at Banking Academy The thesis systematized and developed basic theoretical issues about credit policies of commercial banks for agricultural and rural economic development in the market economy, studied the reality of agricultural and rural credit policies of the Bank for Agriculture and Rural Development (Agribank) in the Central Highlands region in the 2002-2007 period, evaluated policies through a system of evaluation criteria, and drew advantages, limitations and causes of limitations From studying the theoretical research and reality, the author proposed solutions and recommendations to improve the effectiveness of credit policies for agriculture and rural development of Vietnam Bank for Agriculture and Rural Development for the Central Highlands region Thus, the thesis solved the shortcomings on credit policies for agriculture and rural development of Agribank in five Central Highlands provinces with the main focus on capital mobilization and lending activities in the 2002-2007 period The doctoral thesis on "Mobilizing and using financial sources for new rural construction in Thai Binh province" of Nguyen Thi Bich Diep (2017), was successfully defended at the Academy of Finance The author studied theoretical issues of mobilization and use of financial resources for new rural construction, experiences of provinces such as Nam Dinh, Dong Thap and Hung Yen on mobilization and use of financial resources in new rural construction and lesson for Thai Binh province In chapter of that thesis, the author analyzed the reality of mobilization and use of each financial resource in new rural construction in Thai Binh province in the period of 2011-2015 and at the same time conducted a survey of 482 households in 31 communes of Thai Binh province on methods of mobilizing, allocating and using financial resources from different areas in new rural construction From there, the author summed up and evaluated the achieved results, the limitations and its causes as a basis for proposing solutions to mobilize and use financial sources, contributing to accelerate the process of new rural construction in Thai Binh province for the period of 2016-2020 In general, the results of that thesis can be used for reference on the theoretical basis of new rural construction, financial resources mobilized and used in new rural construction and have practical value on some solutions to increase mobilization and use of financial resources for new rural construction in a locality, namely Thai Binh province The master’s thesis on "Credit solutions contributing to new rural construction at Cooperative Bank of Thanh Hoa Province" of Hoang Le Nga (2015) was done at the Banking Academy The author systematized some basic theories about new rural and bank credit After that, the author then analyzed the reality of bank credit for the new rural construction model of the Thanh Hoa branch of Cooperative Bank from 2012 to 2014, assessed the achieved results and limitations to be solved so that credit activities for new rural model of Cooperative Bank of Thanh Hoa province could become more effective and safer Based on results of reality assessment, the author proposed a number of credit solutions to contribute to building a new rural model at Thanh Hoa Cooperative Bank and at the same time, presented recommendations to the State agencies, the State Bank, Cooperative Bank of Vietnam and customers However, this thesis was only about analyzing, evaluating and proposing credit solutions that could contribute to new rural construction in a province, namely Thanh Hoa province, of Thanh Hoa Cooperative Bank, The proposed solutions were only of micro scale A ministerial-level research project on "A study of credit policies and solutions for rural households in new rural construction" by To Ngoc Hung, (chief editor) (2016), was successfully defended at the Banking Academy In this project, the research team established the theoretical basis of credit for rural households in new rural construction, international experience on credit policies and solutions for rural households in new rural areas construction and drew lessons for Vietnam The authors then conducted a review of the reality of credit policies and solutions for rural households in new rural construction in Vietnam using secondary data from BIDV and VBSP during 2010 – 2016 The authors also studied three quanin the Central region and of VBSP branches in Central provinces, plus the author’s calculation (O/S= outsanding) 17 - For VPSB, the proportion of business loans to consumption fluctuated around times, similar to the trend of the general statistics results of both banks In the consumer lending structure of VBSP, the author only introduces two lending activities for disadvantaged students and loans for clean water & sanitation because these two loans account for a large proportion in total outstanding loans of the bank and other loans accounted for a small proportion which the author puts in other lending purposes - For Agribank, lending for agricultural production and business accounts for a high proportion compared to consumer loans and loan for other purposes The proportion of business loans is more than times compared to consumer loans and loan for other activities, accounting for over 70% of the bank's total outstanding loans Outstanding loans for production and business grew over the years from 2014 to 2019 and reached over VND 50 trillion in 2019, accounting for 75.2% b/ Credit structure according to borrower Outstanding loans to individuals and households continuously increased over the years from 2014 to 2019 By 2019, the outstanding loans to these borrowers of both banks were 57,329 billion VND, increased by 1.67 times compared to 2014, accounting for 61.95% of the total outstanding credit for agriculture and rural areas Outstanding loans for these borrowers increased steadily over the years from 2014 to 2019 By 2019, outstanding loans reached VND 32,593 billion, accounting for 35.22%, an increase of VND 3,479 billion compared to 2018, nearly times higher than outstanding loans in 2014 (VND 10,957 billion) Table 2.16: Credit structure according to borrower of Agribank and VBSP in South Central provinces during the period of 2014 – 2019 Unit: billion VND, % Borrower 2014 O/S 2015 % O/S 2016 % O/S 2017 % O/S 2018 % O/S 2019 % O/S % Individual, 34.442 71,64 35.625 67,84 39.156 65,56 46.650 63,98 52.203 62,13 57.329 61,95 household SMEs 10.957 22,79 13.580 25,86 21.269 29,17 22.778 31,24 29.114 34.65 32.593 35,22 Other 2.678 5,57 3.308 6,3 3.148 5,27 3.485 4,78 2.706 3,22 2.619 2,83 Total 48.077 100 52.513 100 59.725 100 72.914 100 84.022 100 92.541 100 Source: Income statements of the representative office of Agribank in the Central region and of VBSP branches in Central provinces, plus the author’s calculation (O/S= outsanding) c/ Credit structure according to credit terms The structure of credit terms for new rural construction in VBSP and Agribank in the period of 2014 - 2019 shows that the proportion of short-term and medium-term capital was qite balanced Accordingly, the medium and long-term loan balance continuously increases at a higher rate than the short-term loans during the years from 2014 to 2019 However, in terms of the proportion, medium and long-term loans tend to decrease gradually By 2019, 18 the proportion of medium and long-term loans was lower than that of short-term loans, accounting for only 49.1% This is because the growth rate of medium and long-term loans was slower than the rate of credit growth in short term (Figure 2.7) Source: Income statements of the representative office of Agribank in the Central region and of VBSP branches in Central provinces, plus the author’s calculation - Credit structure according to lending form The structure of credit contribution to agricultural and rural production, new rural construction in the South Central provinces mainly include direct loans and entrusted loans through social unions in which the whole or only certain steps of the lending process can be entrusted For VBSP: it can be seen that the credit extension activity at VBSP is mainly entrusted loans through socio-political associations, continously accounting for a high proportion of around 90% in the period of 2014 - 2019 with growth in both in outstanding loans and the proportion of outstanding loans in entrusted lending activities The sociopolitical organizations mandated by the VBSP to take part in the credit extension process are the Women's Union, Farmer's Union, Veteran's Union and Youth Union At Agribank, the proportion of outstanding loans for direct lending is much higher than entrusted loans through social unions Specifically, in the period of 2014 - 2019, the proportion of direct loans continuously reaches 80% to 90% with outstanding loans of VND 59,698 billion as of 2019 Although the proportion of entrusted loans accounted for a small proportion, it increased gradually over the years from 2014 to 2019, reaching 7,971 billion VND in 2019 - an increase of 2.5 times compared to 2014 (3,250 billion VND) - Bad debt in credit extension activities for new rural construction For VBSP: non-performing loan (NPLs) are classified into charge-off debts and overdue debts The credit quality of VBSP is quite positive with the ratio of charge-off 19 debts and overdue debts of less than 1% in the period of 2014-2019 Total charge-off debts and overdue debts of VBSP in the South Central provinces for new rural areas construction tends to gradually decrease until 2019 to below VND 100 billion, accounting for 0.39% of the total outstanding loans For Agribank, the ratio of bad debt in credit for agriculture and rural development, new rural construction in South Central provinces was below 3% during the 2014-2019 period, meeting the requirement of the bad debt ratio of the State Bank of Vietnam Table 2.22: NPLs for new rural construction of Agribank in South Central provinces during the 2014 – 2019 period Unit: billion VND, % Year 2014 2015 2016 2017 2018 2019 481 231 355 351 658 463 Total O/S loan 32.663 35.539 41.147 52.641 61.009 67.669 Bad debt ratio 1,47 0,65 0,86 0,67 1,08 0,68 Bad debt Source: Statement incomes of the representative office of Agribank in South Central provinces and the author’s calculation - Efficiency of credit for new rural construction It can be said that, preferential credit programs at VBSP has been widely carried out, meeting a large amount of capital requirement of poor and near-poor households, bringing direct impact and bring practical results to the achievemen t of goals, especially the goal of reducing the poverty rate of the National Target Program on new rural construction Together with the VBSP, the Agribank in South Central provinces has been involved in the rural financial market from the first days, helping borrowers in the agricultural and rural sectors to have access to capital, thereby investing in production and business activities as well as consumption and other activities These capital sources have facilitated the development of production, making the average income per capita in South Central provinces reached about 27.87 million VND / person By 2019, the average rate of poor households in the provinces in the region was about 6.49% (third highest compared to other regions in the country), but decreased greatly compared to 2010 (12.7 %) The ratio of near-poor households is 5.88%, with a very low annual rate of falling back into poverty at only 0.02% (Ministry of Labor, War Invalids and Social Affairs, 2019) This result helps the localities in the region complete criteria on residential housing (criterion 9), income (criterion No 10), criterion No 11 on poor households and criterion No 12 on labor structure and production organization (criterion 13), which contributes to speeding up the completion of the national target program on new rural construction in South Central provinces 22 loan security by the assets to be formed after granting credit - For business households that participate in traditional organizations, associations, cooperatives, and trade villages, loan security is provided in the form of guarantee provided by local organizations and associations of high legal status - For mountainous areas, under Program 30a, forest land, agricultural land, gardens that have not been issued with red books and allocated forest land but are exploited and used for a long time by households; borrowers can use the certification papers from local governments to secure the loans 3.3.3 Strictly follow the implementation of credit procedures, strengthen supervision after lending - Financial institutionsstrictly complies with loan approval process - Strengthen monitoring activities after disbursement for customers - For credit operations of VBSP, because they are characterized by transactions at communes, transactions must be carried out in accordance with procedures in Document No 4030 / NHCS-TDNN of the Bank's General Director; 100% of entrusted association, the savings and loan groups come to the commune transaction points to pay interest to the bank and take part in the commune briefings 3.3.4 Closely coordinate with local authorities, organizations and unions - Pay attention to expand lending through all levels of associations (Farmer's Union, Women's Union, Veteran's Union, Youth Union, ) and loan groups - Credit institutions should actively organize periodic, ad-hoc inspections, or integrated inspection of trust activities at the associations, unions, groups - The credit institution works more closely with the local authorities on propaganda, implementation of new documents and regulations on the bank's loan programs, collection of information on occupation, economic situation of borrowers to lend in groups - Collaborate with Department of Agriculture and Rural Development, Agricultural, Forestry and Fishery Extension Center, Plant Protection Center, Seed Research Center in localities to organize training and dissemination of cultivation techniques and drug use plant protection, for farmers - The VBSP proactively contacts with relevant organizations and sectors in the area to develop and sign joint documents on coordination mechanism for the purpose of supporting the poor in terms of changing structure of plants and livestock through applying science and technology, The bank collaborates with Departments of Labor, War Invalids and Social Affairs, Departments of Agriculture and Rural Development, district agricultural departments and job creation centers of socio-political organizations to successfully implemented the coordination program 23 3.3.5 Focus on the development of the credit institution network in providing credit for new rural construction - Banks operating in agriculture and rural areas continue to maintain and develop the network with traditional methods as the main methods - Credit institutions in the area participating in rural financial markets need to focus on strengthening the implementation and replication of mobile transaction point model to remote villages and hamlets - Focus should be given on building and developing electronic distribution channels, especially distribution channels via smartphones 3.3.6 Promote medium and long-term loans suitable to the production conditions of borrowers - Continue granting medium and long term credit under the implemented traditional method - Promote development of financial leasing credit in agriculture and rural areas - Focusing on providing co-financing loan products according to the agricultural production value chain 3.3.7 Improving the quality of human resources to ensure the right loans to meet the needs of people and economic organizations involved in agriculture and rural activities and new rural construction 3.4 Some recommendations 3.4.1 For the government 3.4.2 For the State Bank of Vietnam 3.4.3 For departments, agencies, and local governments 3.4.4 For borrowers CONCLUSION OF CHAPTER In chapter 3, the author has outlined orientations for new rural construction and contribution of bank credit to new rural construction in South Central provinces At the same time, the author has provided specific solutions on contribution of bank credit to new rural construction in South Central provinces: diversify forms of lending suitable to the characteristics of credit extension in agriculture and rural areas to promote new rural construction; fulfill loan guarantee requirements for customers in a flexible manner; strictly follow the implementation of credit procedures, strengthen supervision after lending; closely coordinate with local authorities, organizations and unions; focus on the development of thee credit institution network in providing credit for new rural construction; promote medium and long-term loans suitable to the production conditions of borrowers; improve the quality of human resources 24 GENERAL CONCLUSION New rural construction is a national target program being implemented by the Party and the entire people With the thesis topic, the author focuses on solving the following issues: Firstly, Chapter systematizes the issues of new rural construction, bank credit and the role of bank credit for new rural construction, as well as factors affecting contribution of bank credit to new rural construction Chapter studies the experiences of China, Korea, India and the two provinces of Nam Dinh and Binh Duong on contribution of bank credit to new rural construction to draw lessons for South Central provinces Secondly, from the theoretical overview, in chapter 2, the author has applied the qualitative research method about the reality of credit activities of credit institutions participating in the new rural credit market in the new South Central provinces during the period of 2014 - 2019 (here, only banks are considered: Agribank and VBSP) Based on the current situation of capital supply, the author has pointed out the achieved results, limitations and causes of limitations on providing capital for agricultural production and new rural construction activities of people in rural areas Thirdly, along with limitations and causes, combined with the orientation of new rural construction as well as the credit investment policy in the region, the author has proposed a number of solutions and recommendations to promote bank credit activities for agriculture and rural areas in order to improve farmers' lives, eradicate hunger, alleviate poverty, develop agriculture and rural areas, contribute to new rural construction according to goals of sustainable development, economic growth and security society Finally, due to the limitations of theoretical and practical knowledge as well as limited research time, it is difficult for the research to avoid certain errors The author looks forward to the comments and the jury and other researchers to improve the subject 25 LIST OF THE AUTHOR’S PUBLISHED WORKS RELATED TO THE THESIS Huynh Thu Hien (2014), “Bank credit for agriculture and rural areas in the Central Coast region”, Banking Science & Training Review, issue 142, Mar/2014, page 20 - 23 and 29 Huynh Thu Hien (2016), “Accessibility of credit capital of households in new rural construction in Quang Ngai province”, Journal of Finance and Accounting Research, issue 8, Dec/2016, page 20-25 Tong Thien Phuoc & Huynh Thu Hien(2017), “Solutions to bank credit for new rural construction in Quang Ngai province”, Journal of Finance and Accounting Research, issue 10, Sept/2016, page 20-25 Huynh Thu Hien (2017), “ Social policy credit for disadvantaged students in Quang Ngai province”, Proceedings of the national scientific conference: Vietnam Bank for Social Policies - a journey of 15 years, Labour and Social Publishing House, page 246-255 Huynh Thu Hien (2017), “Microfinance activities contribute to poverty reduction in Quang Ngai province”, Proceedings of the international workshops: Promoting access to finance in Vietnam, volume 1; Labour and Social Publishing House pages 227-235 Huynh Thu Hien (2019), “New rural construction credit policy in Quang Ngai province”, Review of Finance, issue Jul/2019 (708), page 27-129 Co-author of the University level project: “Solutions to bank credit for new rural construction in Quang Ngai province”, examined in December 2016, Good grade ... credit solutions that could contribute to new rural construction in a province, namely Thanh Hoa province, of Thanh Hoa Cooperative Bank, The proposed solutions were only of micro scale A ministerial-level... according to the Decision No 800/QD-TTg of June 04, 2010, approving the national target program on new rural construction during 2010-20200 and Decision No 491 / QD-TTg of April 16, 2009 promulgating... according to the Decision No 800/QD-TTg of June 04, 2010, approving the national target program on new rural construction during 2010-20200 and Decision No 491 / QD-TTg promulgating the national set