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- Xay dung mue tieu kinh doanh rd rang, tim kiem y tudng ve du an kinh doanh phu hpp vdi nang lue quan tri dieu hanh, the m a n h ehuyen mdn hien ed, dinh hudng phat trien thi tru[r]
(1)II NGHIEN CUfU - TRAO DOI
i:iiA I:AC IIOAKH KraiGr Titim IHA KAK CAC IIKH TAY KI^IIYGN
ThS Vu M a n h Bao Chi n h a n h NHPT Kon Tum
rdy Nguyen Id vung ddt dai rgng ldn (chiem 16,8% dien tick cd niidc) co nhieu tiem ndng, the mgnh ve tdi nguyen thien nhien nhiing dang Id "vung triing" ve kinh te, kho khdn ve xd hgi, an ninh qudc phdng Ndm 2009, GBP cua khu viic khodng 69.193 ty dong, bdng 4,21% GBP cd niidc; tdng vdn ddu tii todn xd hgi Id 0.918 ty dong, bdng 4,39% cd niidc vd thu ngdn sdch chi ddp dng khodng 40% nhiqm vu chi, 60% lgi Trung lictng phdi hb trgt Bo viec thu hut ddu tii noi chung vd vi^c ddu tii tin dung nhd niidc (TBNN) noi rieng cdn d mdc hgn che
Nguyen nhan cP ban cua tinh trang la kha nang bap thu vdn kem cua doanh nghiep, cP che chinh sach chUa hpp ly eua ngan hang va mdi trUdng dau tu chUa hd trp cho tin dung phat trien nhu quy hoach, dinh hudng dau tU, phat trien eP sd tang, da't dai
Chinh vi vay, viec nghien cdu de xuat nhdng giai phap hdu ich giup cpng ddng cac doanh nghiep tiep can TDNN phue vu cho dau tu phat trien va khuyen khieh xua't khau ed y nghia rat quan trpng vdi viee phat trien kinh te cua cae tinh Tay Nguyen ndi rieng va cua da't nUdc ndi chung
Tinh h i n h t i e p c a n v o h TDNN
Sii phdt trien chung cda doanh nghiep
Tinh den 30/6/2010, toan dia ban eae tinh Tay Nguyen eo khoang 11.514 doanh nghiep bao gdm ta't ea eae t h a n h phan va nganh kinh te Xet ve quy md tai chinh, doanh nghiep ed mdc vdn hoat dpng dudi ty ddng chiem 72%, day eung la mpt nhdng khu vuc cd sd lupng doanh nghiep it va quy md doanh nghiep nhd so vdi •ca nude, dd kha nang ha'p Mac du ta't ca eae du an dau
tu kinh doanh tren dia ban eae tinh Tay Nguyen deu thupc dd'i tupng khuyen khieh va n a m danh mue dupc hd trp TDNN; nhien qua khao sat, viec phat trien TDNN khu vUc cdn r a t tha'p, tdng du np TDNN tinh den 30/6/2010 la 7.329 ty ddng, chiem 5,3% d u n p TDNN eua he thd'ng Ngan h a n g P h a t
trien (NHPT) Viet Nam; giai doan 2006-2009 mdc cung dng TDNN bang 6,58% GDP, mdc cung dng vd'n tin dung dau tu (TDDT) bang 8,41% tdng vd'n dau tu toan xa hpi; mdc eung dng vd'n tin dung xuat khau (TDXK) bang 9,26% kim ngach xua't khau, ket qua dd ehUa tUPng xdng vdi tiem nang va chinh saeh Uu tien hd trP cua nha nUdc
(2)NGHIEN CUfU - TRAO DOI I I I
t h u vdn cua cae d o a n h n g h i e p Bieu 1: So lieu not qua han TDXK giai doan 2006-6/2010 ciia cac tinh rat tha'p so vdi nhu cau dau tU Tay Nguyen
phat trien
Ty 14 doanh nghidp tiep can TBNN
Ke't qua thd'ng ke B a n g cho t h a y , ty le cae doanh n g h i e p tie'p c a n TDNN t r e n dia b a n qua tha'p, n a m cao n h a t la 5,0% va tha'p nha't chi 1,8% Mpt va'n de d a t r a la ty le n a y bie'n dpng theo xu hudng g i a m d a n t r a i chieu vdi td'c dp t a n g quy md tin dung va td'c dp t a n g so' lUpng doanh n g h i e p ( t a i t h d i diem 30/6/2010 Dak ' Lak, Dak Ndng la 1,6%, L a m Ddng chi cd 0,9%)
Ty 14 dii dn tiep nhdn vd chdp thudn ddu tii
Trd chi n h a n h N H P T Gia Lai, ta't ca cac ehi n h a n h NHPT cdn l a i d Tay Nguyen deu ed h i e n tUpng td chdi k h d n g chap t h u a n eho vay vdi ty le k h a eao td 30-50% so' du a n , chiem ty le binh quan 40% so' hd sP tie'p n h a n (Bang 2)
40.0% 35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0%
- - Kon Tum
- - Gia Lai
Dak Lak -Nong
- Lam Dong Dak
Ngudn: Bdo cdo Tdng ke't hoat dgng giai doom 2006-6/2010 cua NHPT Viet Nam Nguyen n h a n chu yeu cua tinh
trang tren: (i) Ve phia doanh nghiep, cac du an rPi vao nhdng tinh trang nhu ngudn thu td du an khdng du kha nang tra np vay thdi gian vay vdn, doanh nghiep khong dam bao dupe nang luc phap ly, nhan lue khdng cd kinh nghiem chuyen mdn linh vUe de nghi vay vdn, tinh hinh tai chinh cua doanh nghiep khdng lanh manh, doanh nghiep khdng du ngudn vdn tu ed tham gia dau tu theo ty le quy dinh; (ii) Ve phia NHPT thi y thdc va kha Bang 1: Ty le doanh nghidp tidp can TDNN giai doan 2006-6/2010
S T T
1
2
3
Chi tieu So' d o a n h n g h i e p t r e n dia hkn So' d o a n h n g h i e p tie'p c a n T D N N Ty le d o a n h n g h i e p t i e p can
N a m 2006 4-039
201
5,0%
N a m 2007 4.597
199
4,3%
N a m 2008 6.577
189
2,9%
N a m 2009 9.432
266
2,8%
T h a n g 6/2010 11.514
211
1,8% Ngudn: Niin gidm thdng ke nam 2009 cua Tdng cue Thdng ki
Bang 2: S6' dU an tiS'p nhan va chdp thu^in dau t\i
Chi tieu So lirgng dir dn da tiep n h a n , tha'm dinh
2 So lugng du dn chap n h a n cho vay 3 Ty le so lijgng du dn khong diigc chap nlian (%)
Kon Tum 20 14 30%
Gia Lai 8 0%
DSkLfls
44 22 50%
Lam D6ng 12
6 50%
Tgng cgng 84 50 40%
Ngudn: Bdo cdo Tdng kit hoat dgng giai doan 2006-6/2010 cua NHPT Viet Nam
nang tu van thao gd khd k h a n ve du an, ve tai ehinh de tiep tue hoan t h a n h hd sP dd'i vdi doanh nghiep ehua dat yeu cau de
Chdt luang TBXK
Hoat dpng TDXK vdi quy md tUPng ddi ldn, chu yeu la chi n h a n h Dak Lak, Dak Nong vdi du np den 30/6/2010 la 1.183 ty ddng, Kon Tum 264 ty ddng Lam Ddng 88 ty ddng, Gia Lai 85 ty ddng Cung vdi sU tang trudng kha nhanh cua TDXK chat lupng tin dung eung cd nhdng bieu hien bat dn dinh (Bieu dd 1)
So' lieu thd'ng ke cho tha'y quy md np qua h a n t a n g theo quy md tin dung qua eae n a m va ty le np qua b a n cd sU bien dpng m a n h , k h d n g d d n g deu N a m 2006 ty le n p qua h a n chung cua t o a n v u n g la 7,01% g i a m d a n g ke t d n a m 2007 de'n n a m 2009 ( t r e n dudi 2%), n h u n g t i n h de'n n g a y 30/6/2010 l a i t a n g d o t bie'n l e n 6,84% H o a t d d n g TDXK t h u d n g bi chi phd'i m a n h b d i ye'u to' b e n n g o a i K h u n g h o a n g k i n h t e - t a i c h i n h the' gidi va suy g i a m k i n h te da k e o t h e o n p qua b a n TDXK n a m 2010 t a n g t r d l a i
nganhang
(3)1 NGHIEN CUfU - TRAO DOi
Gia nhap thi tnttms 10.QD
Ca sa tang, Dat dai
N h E t l g n g l ^ e n n h a n a n h h u & h g B i e u 2: Chi so n a n g lUc c a n h t r a n h clip t i n h (PCI) ciia c a c t i n h TSy N g u y e n n a m 2009
Ve yeu td khdch quan
PCI CAC TINH TRONG \ t ' N G TAY NOmTEN 2009 Theo bang danh muc dia ban Uu
dai dau tu ban hanh kem theo Nghi dinh sd 108/2006/ND-CP eua Chinh phu, trd eae phd khu vUc va thi xa Bao Lpc la dia ban kho khan, cdn lai toan bp cae huyen, thi xa deu thupc dia ban kinh te xa hpi dac biet khd khan, khong thuan lpi de phat trien san xuat kinh doanh (Bang 3)
Thiet che phap ly
Dao tao lao don?
Dich vu ho tro DN
Tinh minh bach
Chi phi thai gian
Chi phi khong chinh thii'c
Ve chinh sdch phdt trien doanh nghiep
Qua so' lieu dudi day cd the danh gia moi trUdng kinh doanh eua eae tinh Tay Nguyen kha tha'p, ehi so' n a n g lUe canh t r a n h cap tinh (PCI) n a m dudi mdc binh quan ea nude (53,51/59,12); Dak Lak la tinh cd chi so' PCI ddng dau Tay Nguyen nhUng van tha'p hon binh quan ca nUdc (Bieu dd 2) Nhu vay, ed the ndi day la nguyen n h a n r a t cP ban tao eho tin dung it cd mdi trUdng phat trien, t h a m chi mpt so' ehi tieu lam kim h a m sU p h a t trien eua TDNN nhu: (i) Tinh nang dpng va tien phong eua lanh dao tinh; (ii) Chi phi thdi gian lam thu tue h a n h ehinh eua eae doanh nghiep; (iii) Tinh minh bach va kha n a n g tiep can thdng tin cua doanh nghiep
Tinh nang dpng
-Dak Lak- - G a Lai • -Kon Tum Lam Dons • -Dak Nong
Ngudn: Clu sd PCI ndm 2009 cua Phong Thuang mai vd Cdng nghiip Viit Nam Dd'i tupng TDXK the hien
chua hpp ly, ehi hd trp mpt so' mat hang ed tiem nang thap, it tae dpng den kinh te - xa hpi va khdng n a m nhdm san pham xuat khau ehu yeu nhu tinh dau que, trihig gia cam dd mat hang cd gia tri eao nhU eao su lai khong ed dd'i tupng eho vay nen de dan den rui ro boat dpng tin dung va ehUa ed tae dung chuyen dieh cP ca'u kinh te, thuc day xua't khau
- Lai sua't cho vay: theo quy dinh tai Nghi dinh sd 151/2006/ND-C'P 20/12/2006 va Nghi dinh sd 106/2008/ND-CP 19/9/2008 ve TDDT va TDXK
cua nha nUdc, lai sua't cho vay dupc khai quat nhu sau:
Rev = Rhd + Cop
Trong dd: Rev la lai sua't eho vay; Rhd la lai sua't huy dpng trai phieu Chinh phu ky ban nam nam; Cep la chi phi boat dpng 1%/nam
Tat ca cae dd'i tupng deu ap dung ehung mot mdc lai suat, khdng ed su phan biet vung mien, vung khd khan Doanh nghiep d eae vung dae biet khd khan chu yeu la nhd va vda, ngudn lUc tai chinh cdn
Ve cache, chinh sach, dieu hdnh B a n g 3: D a n h m u c dia b a n \ta dai d a u tvi
Ve ca che chinh sdch
- Ddi tupng TDNN:
STT
Tmh
B&Lh&k
Gia lai Kon Turn
B&k Nong
Lam Bang
Dia b&n co diiu kien kiah te - xa hpi dac biet kho khSn
Toan bo cAc huyen To&n bo cdc huyen \k thi xa Toan bo cdc huyen vd thi xa Toan bo cdc huyen
Toan bo cdc huj'en
Dia bdn co dieu kien kinh te' - xa hoi kh6 khdn
Thi xa Bao Loc
Dd'i tupng TDDT cd tinh dn dinh chUa cao, ve chu the tiep can TDNN la hp gia dinh; ve nganh nghe cho vay nhu dau tu thuy dien, dau tu thiet bi thi
edng, cho vay phat trien vung ;^^„^-„ £,^„;, „j„c ban hdnh kem theo Nghi dpnh 106/2008/ND-CP, ngdy nguyen lieu, cP sd ehe bien 19/9/2008 cua Chinh phu
E3 dng nghe ngan hang
(4)NGHIEN CUTU - TRAO DOI I I I
han ehe, trinh dp kinh nghiem quan ly edn yeu kem nhUng khdng cd chinh sach Uu dai bun ve lai sua't thi khd du dieu kien de dau tu cae du an ed tae dung ehuyen dieh cp ca'u kinh te - Mdc eho vay: khdng ed sU Uu tien bun ddi vdi vung dae biet khd khan
- Hinh thdc tin dung: cP ban la cac hinh thdc truyen thd'ng nhu tin dung trung dai- ban, it cd sU lua chpn
Ve thu tuc qudn ly
Cap vdn TDNN ehUa thdng thoang, van suf dung thu tue, quy trinh quan ly tUPng tU cap phat vdn ngan saeh td khau chuan bi lap du an, den quan ly thue hien du an mac du TDNN khac biet vdi ngan sach nha nUdc la vd'n cd thu hdi ea gd'c Ifin lai
Ve yeu td chu quan td doanh nghiep
Thd nha't, da so' cae doanh nghiep cd quy md vdn nhd, kha nang tiep can va ha'p thu vdn tha'p Theo quy dinh tai Dieu Nghi dinh 151/ND-CP 20/12/2006 mdc vdn eho vay ddi vdi mdi du an td'i da bang 70% tdng mdc vdn dau tU (khdng bao gdm vd'n luu dpng) ed nghia la ehi eho vay tham gia vao gia tri tai san ed dinh Nhung thuc te, giai doan 2006-2010 kha nang dd'i dng vd'n de tiep can cac du an ldn cdn rat ban che dd'i vdi cac doanh nghiep cd quy md nhd Vi vay cP eau quy mo cac du an vay vdn TDNN, du an nhdm C (67 du an) chiem 77% ve sd lupng, dd vdn dau tu chi chiem 6,61% tdng mdc dau tu, 11,21% tdng vdn vay cua cae du an vay vdn TDNN
Thd hai, hau het cac doanh nghiep ed quy md nhd va vda cd trinh dp quan ly, nang lUc hoan thien hd SP du an dau tu va xua't nhap khau rat tha'p, chua ke den cac doanh nghiep quan ly theo kieu gia dinh Day la mpt nhdng rao can ldn viec tiep can TDNN cua cac doanh nghiep
G i a i p h a p n a n g c a o n a n g lu'c tie'p c a n vo'n T D N N
Nhom gidi phdp thuoc ve ccf che chinh sdch
- On dinh dd'i tupng TDNN thdi gian it nha't la n a m n a m , day la van de he't sde quan trpng vi ne'u dd'i tupng t h a y ddi thudng xuyen n h u giai doan dau se lam b a t an cac n h a dau tU va khdng cd tac dung thu hut dau tu
- Hoan t h i e n CP ehe lai sua't cho vay, nen tri mdc lai sua't cd p h a n biet dd'i tUpng n g a n h nghe vung mien dac biet can khuye'n khieh de tao dieu kien cac vung mien n g a n h nghe khd k h a n t a n g k h a n a n g tie'p can TDNN va sde canh t r a n h Khdng cd' dinh lai sua't cho vay dai ban, nen dieu chinh lai sua't theo thdng bao tdng ky cua Bp Tai chinh de khac phue nhdng bat cap neu t r e n Lai sua't p h a t qua h a n tdi thieu bang mdc lai sua't qua b a n eua ngan h a n g thUPng mai, du sde che tai, t r a n h viee chiem dung vd'n n h a nUdc dd'i vdi cac doanh nghiep
- N a n g mdc cho vay td 70% len 85% dd'i vdi du a n v u n g b i e n gidi va vung dac b i e t khd k h a n Theo quy d i n h h i e n h a n h mdc vd'n eho vay dd'i vdi mdi du a n , phUPng a n k i n h doanh td'i da b a n g 70% mdc vd'n dau t u cua du a n (khdng bao gdm vd'n luu dpng) Trong t h u c te n h d n g
Cong nghengan hang En
(5)I l l NGHIEN CUfU - TRAO DOI
du an, phupng a n s a n xua't k i n h doanh d day bi t h u a t h i e t r a t nhieu chi phi dau t u eao, dieu k i e n s a n xua't, tieu thu k h d n g t h u a n lpi n e n sde h u t n h a dau tu ye'u ddi hdi mdc hd t r p TDNN va hd t r p cua eae cap chinh quyen sd t a i p h a i eao hPn t h i mdi ed the gid vdng va p h a t huy - Da dang hda cac binh thdc tin dung - eho thue tai ehinh ddi vdi TDNN Cac doanh nghiep, ehu dau tu thie'u tin nhiem quan he vay mUpn nen viee di thue la each thdc td't nha't de cd t a i san va day cung la each tiep can vd'n td't nha't
- Do'n gian hda hd sp thu tuc TDNN, phan ca'p triet de cho cae ehi nhanh, giam thieu thdi gian tham dinh va xd ly hd sP: (i) Tinh giam cae thu tuc lien quan den hd sp vay TDNN; (ii) Khdng ap dung ma chi khuyen khieh ap dung Luat Da'u thau
dd'i vdi eae du an hoac gdi thau ed quy md dudi 15 ty ddng, ap dung bd sung h i n h thdc ehao hang canh t r a n h dd'i vdi ca cac loai gdi thau thupc khu vUc kinh te tu nhan
Nhom gidi phdp thuoc
doanh nghiep ve
- Nang eao nang lue tai ehinh, ma trUde bet la p h a t trien quy md vd'n chu sd hdu dap dng dieu kien tie'p can TDNN Keu gpi dau tu t h e m vd'n, tai san td cac t h a n h vien sang lap, ed ddng sang lap hien hdu hoac keu gpi them cac cd ddng chien lupe ed tiem lue tai ehinh, van dpng gia dinh, ban be, hp hang tien tdi p h a t h a n h ed phieu d cac cdng ty dai chung - Thuc hien hpp ddng hpp tac dau tu dudi h i n h thdc lien doanh, lien ket eae dU an dau tU quy md ldn Nghien edu ap dung xu hudng sap nhap, hpp nha't doanh nghiep
cd cung nganh nghe, linh vUe hoat dpng vda de t a n g vd'n ehu sd hdu vda t a n g n a n g lUc kinh doanh, canh t r a n h
- Tiet kiem boat dpng dau tu kinh doanh, Uu tien sd dung hpp ly ngudn lpi nhuan de tang vdn, CP ca'u hpp ly gida vd'n eho dau tu dai ban va ngan ban, siif dung vd'n dung tinh chat de tao sU can bang vl tai chinh - Ra soat, ly eae tai san khdng can dung hoac hieu qua tha'p de bd sung vd'n ehu sd hdu dUa vao kinh doanh
- Tdng bude minh bach hda tai san, tai chinh: ngoai doanh nghiep tu nhan, hien cac cdng ty deu la hinh thdc ddi vd'n Tuy nhien thue te tinh chat dd'i vd'n thudng xen l i n dd'i nhan cdng ty hau he't dupe lap tren eP sd gia dinh, ddng ho, ban be d i n de'n tinh tap quyen r a t cao, -n the can tdng budc minh bach nganhang
(6)NGHIEN CUTU - TRAO DOi 1
hda tai san, tai chinh, khdng ldn lpn gida tai san ca nhan va tai san doanh nghiep, thuc hien nguyen tac tach bach ve tai chinh
- Xay dung mue tieu kinh doanh rd rang, tim kiem y tudng ve du an kinh doanh phu hpp vdi nang lue quan tri dieu hanh, the m a n h ehuyen mdn hien ed, dinh hudng phat trien thi trudng dai ban, khai thae tiem nang the manh eua dia phUPng, nha't la ngudn nguyen lieu tai chd
Nhdm cdc gidi phdp ho tr<f khde
- Tao dieu kien, mdi trUdng k i n h doanh t h u a n lpi eho eae doanh nghiep, eae ehu dau tu tie'p can TDNN Cu t h e la: (i) Tap t r u n g cae giai p h a p de keo ehi so' t h a n h p h a n canh t r a n h cP b a n ma cac t i n h Tay Nguyen dang tha'p bPn r a t nhieu so vdi chi so' binh quan ea nUdc; (ii) L a m td't cdng t a e du bao, quy hoach va edng bd' quy hoach b a n g cae bien p h a p eu t h e , k h i quy hoach da dupe phe duyet, k h a n trUPng thUe h i e n viec thu hdi, chuyen ddi mue dieh sd dung da't va giao eho CP quan cd t h a m quyen tie'p n h a n , quan ly de cd the giao cho n h a dau tu thue da't; (iii) L a m t d t cdng t a e xuc tie'n dau tU; (iv) Quan t a m dung mdc hd t r p p h a t t r i e n doanh n g h i e p , dac biet la doanh n g h i e p khu vUc tU n h a n ; (v) T a p t r u n g cac ngudn lUc k h a c phue t i n h t r a n g ye'u k e m ve k e t eau h a t a n g n h u Uu t i e n eae dU an dau tU cac cdng t r i n h t r p n g diem cua vung, nha't la cac edng t r i n h giao t h d n g , dien, nUde tao mdi t r u d n g t h u a n lpi cho cae n h a dau tu
- L a m td't cdng t a c tuyen t r u y e n , quang ba chinh saeh TDNN vi TDNN v l n edn
tUPng dd'i mdi t r o n g CP che t h i t r u d n g dinh hudng xa hpi chu n g h i a cua nUdc ta H i n h a n h TDNN edn md n h a t t r o n g gidi dau tU eung n h u cac cap quan ly va cae t a n g ldp d a n doanh T h a m chi ca n h d n g ngUdi l a m cong t a c n g a n h a n g v a n cdn n h a m l i n vdi N H P T Viet N a m - CP quan quan ly TDNN la mpt doanh nghiep, n h a m lan Ngan h a n g Dau tU va P h a t t r i e n Viet N a m la ngan h a n g thUPng mai Vi vay nhieu dia phUPng chua thuc sU quan t a m de'n TDNN va ehUa sd dung TDNN n h u mpt cdng cu hdu hieu eho p h a t t r i e n kinh te - xa hpi
Vdi viec t r i e n k h a i ddng bp cac g i a i p h a p n e u t r e n , hy vpng se giup cho cpng ddng doanh n g h i e p T a y Nguyen g i a i quyet khd k h a n vUdng mdc t r o n g viee t i e p can TDNN, gdp p h a n tich cUc vao tie'n t r i n h p h a t t r i e n va chuyen dieh eo eau k i n h te' T a y Nguyen - m p t dia b a n chie'n lUpe, gdn p h a t t r i e n k i n h te vdi an s i n h xa hpi va an n i n h qud'c p h d n g he't sde quan t r p n g eua D a n g va N h a n u d e "
Tai lieu tham khao
1 Chinh phu (2006), Nglu dinh sd 15112006/QD-TTg ngdy 20/12/2006 ve tin dung ddu tu vd tin dung xudt khdu cua nhd nudc
2 Chinh phu (2008), Nglu dinh sd 10612008/QD-TTg ngdy 19/9/2008 vi sda ddi Nglu dinh sd 15112006/QD-TTg ngdy 20/12/2006, Hd Ngi 3 Ngdn hdng Nhd nuac Viet Nam -Cdc chi nhdnh khu vuc Tdy Nguyin (2010), Bdo cdo mgt sd chi tiiu chu ye'u hoat ddng ngdn hdng giai doan 2006-612010, Hd Ngi
4 Ngdn hdng Phdt triin Viit Nam -Cdc chi nhdnh khu vuc Tdy Nguyen (2010), Bdo cdo mgt sd chi tiiu chu yeu hoat dgng giai doan 1996-612010 5 Ngdn hdng Phdt trien Viet Nam (2010), Bdo cdo Tdng kit hoat ddng Ngdn hdng Phdt trien Viet Nam cdc ndm 2006, 2007, 2008, 2009 vd thdng ddu ndm 2010, Hd Ndi
6 Phong Thucmg mai vd Cong nghiep Viet Nam (2009), Chi sd ndng luc canh tranh cdp tinh PCI ndm 2009, Hd Ndi 7 Tdng cue Thdng ke (2010), Men gidm thdng ki ndm 2009, Nhd xudt bdn Thdng ki, Hd Ndi
8 Tinh uy cdc tinh Tdy Nguyen (2010), Bdo cdo Chinh tn trinh Dai hdi Ddng bg cdc tinh Kon Tum, Gia Lai, Ddk Lak, Ddk Ndng vd Ldm Ddng
Cong nghe ngan hang rri