Phát triển thị phần, thị trường - tăng trưởng tín dụng an toàn, hiệu quả.pdf

Phát triển thị phần, thị trường - tăng trưởng tín dụng an toàn, hiệu quả.pdf

Ngan himg vOlsu',nghiep phat tri~n,1101'1~~-~""II ~~,,~: ,,'1\'11

OngNguy6nrM Khanh-PM ChUttch thwc1ngtrvc UBNDtlnh Namf)tnh trao B~ngkhan caaUBNDtlnhchonhl1ngr6 yayv6nc6nhidud6ngg6ptronghOfJtd~ngtTndllng

Anh:Monh Ha

MQttrongnhLIngnguyennhanca ruirovatiemanruiro.

bande co ket qua tren la NHNo&PTNT 1 Ph-t t ,,J'

TtWcIIi NcANIIANC- 864 NAM2004

TS Ph;.am )ling Cil *

chiathi trLIang?Ly Ievandenaykhangtrinh bay a trong khuonkho bai viet,

tac dautlf tin d~ngnganhang.D6 la:- Phan chia thi trLIangde c6 cainhintLrnglinhvlfc kinhte r6 han,c6 slfphan bi$t muc de)phattrien,quy mo,thuan lai, kh6 khan Til d6, c6 bienpha'pc0 the, nhLI:Phancongcan b'e),

'hinh thuc tin dl,mg,muc dQkha nangtai chfnh,t~p quan C6 the n6i,phan

nhode nhinthauhan,r6 hanva khid6dedangc6 mQtquyetsachdautLI,lamchocanbQdedangtiepc~n,thlfc hi$ntac nghi$pnhanh,antoan,hi$uquavakhongngilngtangtrLIang.

T6ml<;Ii:Chu dQngvi$c kiemsoat

va quan Iy, chiem ITnhthi trLIang,de

bien kh6 thanh de, tLrphLrct<;lPbienthanhcJangi{m,ai cOngc6 the tiepc~n

va nam vCtngkhach hang,thi trLIangdautLIse an toan,hi$Uqua.

moi can bQ ph~ trach d!a ban phai

c~mdanCllsanxuat,kinhdoanh.Trenca sa d6 ma c6 bi$n phapd?u tLItind~ngthich hqp.

Day la mQtqua trinh cang phukhongchi 1 thang,1 quy,ma phailam

, Giamdoc NHNo&PTNTtinh Nom Dinh29

H,.-viR~n~" "-''''~'8triin

nhieunam,thuongxuyemc6 bo sung,dieu chinh d~ c6 mQtth! truong Iytuang(antoan,hi$uqua).

- Dong thai vai vi$c phanchia thi

truong d~ phat tri~n va ma rQngthi

phanthi phaiphan chia va phan lo~i

lo~i khachhang theo tieu chi A,B,C,ma phanlo~itheod~ctha kinhte cuatltng nh6m,khu vl!c khach hang; disauvaaphanlo~ikhachhangtheokhanangphattri~nsan xuat, kinhdoanh;khach hang c6 kha nang tai chinh;khachhangc6 trinhdQcongngh$cao,khachhangsanxuathanghoa,khachhangsanxuattl! cap Trongtltng lo~inh6mkhachhangd6,ta xacdinhduqckhanangdau tu tin dl,mg,dQan toan,khanangphattri~n,tangtruang.

TCthai van de tren ta c6 th~ ma

rQngtin dt:mgan toan, hi$Uqua, ngaycangphattri~ntangtruOng.

hangIan aa vay va ca cht/avayNganhang:Khachhangla cacdoanhnghi~ptieu thU cong nghi~p; v~n tai; nuoitrang,cM bien thuy,Mi san; tht/ang

mf)i-dtch Vl,lva cac 10f)ihinh sim xuat,

kinh doanh khac To chuc Mp c~n

theo tltng nh6m khach hang bangnhieu cach, nhu Mp c~n den tltngkhach hang, hQptheo nh6m khach

hang, nham: Thu th~p cac thong tina

tltng lo~i thi truong va khach hang,dongthai tuyentruyenket quadau tuvon cua NHNo&PTNT;Cong bo keho~chdau tu von cua ngan hangvacac thu tl,JCdon gian, thu~n lqi; GiClithi$u cac hinhthuc cho vay: Chovaytheo h~n muc; cho vay tltng Ian theodl! an, phuong an san xuat, kinhdoanh;cho vay ngan,trung,dai h~n;cho vay bo sung Giai thi$uti$n ich

huy dQngvon, nham lam cho khachhang va nhCtngai chua hi~u biet

vay, nhu : Chari nuoi,trong trQt,chebien;trangtr~i, nganhnghe ;HQptovay von, c6 th~ hQptheo diem; HQp

giao ban to truang theo nQidung daduqccaiMn; HQpcacchudl! an TCtvi$chQpban,tnamlu~ncongkhai,danchu, giai dap nhCtngban khoanthik

hang va Ngan.hang; t~o 9uqc moi

quanh$ binhdang,thangthanva longtin trong quanh$ vay von M~t khac,thongquavi$chQpbanvaikhachhangdat~o moi,quanh$gi([aNHNo&PTNTvai cat;capu'y D~ng;'chinh quyen,doanthe diaphuang themgan b6 vatac dQngtich cl!c d€hquatrinhdautu

phuong.Do d6 ho~t dQngtin dl,Jng

duqc ma rQng,khoi luqngvon dau tu

cho cac thanhphankinhte ngaymQttang,t~o duqc longtin doi vai Dang,chinhquyenva nhandantrongtinh.

Tinh den 31/12/2003,nguon vonchiemtren 56% tong nguonvon huydQrg~uacacto chuctin.dl,Jng;Du nq '.chienftreo60%du nqchovaycuacac

dl!ng mangluai Mangli1ajbo~!d9ngcua NHNo&PTNTNamDjnh rigay

cangduqc ma rQngchiem.uu thenoi

trQitrongcacto chuctrnd~ng.'trendiaban.Den31/12/2003,c612 chinMnh

III; 6 phonggiao djch va d~c bi$t cO3.861to vay von la canhtay VlIondaicua NHNo&PTNTtai tltng thon, x6mho~t dQngsoi noi va hi$u qua, vCli

196.399hQthanhvientrongcacto vayvon, chiemty 1$gan 50%tong so hQnongdantoantinh.Trongd6, tren diaban thanh pho Nam Dinh c6 Vanphong Ngan hang tinh trl!c Mp kinh

cac phuong,2 nganhangcap II thanhpho va khucongnghi$pHoaXa ho~tdQng.

Neu nhu truac kia NHNo&PTNTNamDinhcM trQngdi lentCtthi truangnong nghi$p,nong thon, thi tlt nam2001, NHNo&PTNTcap II thanh phoNamDinhduqcthanhI~p,sau2 namda nhanhch6ng chiem linh duqc thitruong.Den 31/12/2003, nguonvonhuy dQngtren dia ban thanhpho d~t325 tY dong,tang gap 7,5 Ian; du nqd~t 235 ty dong,tanggap 10,2Ian sovai dau nam 2001 khi mai thanh I~p;thu hut tang them hang tram khachhanggiaodichva vayvontrendia ban

2 Nang coo chatIUc;Jngtinl

dyng va h9n chi rui ro

De c6 thi truong tin dl,mgan toan'l

nhieuyeuto, nhungtrongd6phaix2C1

dinhrangyeuto chuquanla cuaNgaolhang,trongd6 can bQtin dl,Jnglachulyeu.Dod6, de nangcaochatluqngtindl,Jngt~i NHNo&PTNT Nam Dinhqchungtoiap dl,JngmQtso bi$nphapcO!bansau:

vay va Ngan hang.De cho mQitanglapnhandanngaycanghieura hantindl,lngnganhang,de dangMp ~n voiNgan hang.Cac cap uy Dang,chinhquyen,'doanthe chinhtrj, dayla triMla ll!c;luqngkhongthe thieu,phoihqp

Vi dl,J:Hang nam, 100% uy ban

nhandancacxa dungra tl! tochuctong ket danh gia ho~tdQngcho vayvoncuaNganhang.Vi$cnaydac6tac

dQngrat Ian tai ma rQngtin dl,Jngva

Th(fhai:Xii Iy tnrctiepbangcac

-C6 quy dinh ch~t che vClican bQ

tin dl,Jngtrong Mp c~n phanchia thi

ho~t dQng tin dl,Jngacac dja ban khac

nhauve tot,xau,nhatla ruiroda,dangva se xay ra hangthangdoi vClicanbQtin dl,Jng,hangquydoivai khachhang.

bQvi ph~m.

- To chuc cac doan can bQtang

wong thuong xuyenacac ngan hang

co sa, kiemtra,phathi$nvCtagiupgiai

T.6P em NcANnhNG-&64 NhM 2004

Ngin ~:~,~,~Af~~,~~,i~

-CamcanbQtind~ngtrL!cMp thu chuy~nngaysangquah9nd~dondoc Trangnam2003,darasoa~tat canq,thulai.To chucto thu ILfUdQng thu cacm6nvayit~tienhanhXLr,IyJuifOtheolicha diabanmoithangtcr1-2 3 Natranghan:Phanranatotva 142m6nvaisolienla 358tri$ucfong,ngay,Vi$cgiah9nnq,dieuchinhky pgcxau,'nqxau I'~pbienbanchuy~n Tuynhien,van"thL!chi$nnghiemtuch?nnq1thangkhangqua5%som6n;;ngaysanQ"pqqu~ h9ndondocthu vi$ctrfchI~pdl,Iph6~gJ9iratheodung

56 1627/2001/QD-NHNN va Quyet,;:M>x~u,'khang con nqqua h90 chLfa -T'"

t-," h". h' 'hbLfff d',' hd' h - 72/QL'I HL'l

QT NHN &PTNT " h""0"'

1-' d t' h- '

t '-J!3P~c ,9an c In, vC; , I, cac!n sou-u0c lIyeg,a,l, <;>ngLf n Lfng namrLfac. I' ~

,-h' th'- 'tLf~' 'Jh"

tho k'o' t100°/ h"-t0"'00",ang,9C,I~,Ienm9n,vaouVL!c

h"h' ",'"'

I d t t ' t' h 0,,""",.,,',,,'-',',,an p 0, ,cace uyong.ngl~p, C;l:lm

anvaquye I~, e an glal,IccaIhLfang xuyen,

t' h t 'L'I ~ th""",',-''"" ren la an' an p 0 LfangxLfng-val

le~quyex~ y ~ co0~ n?~n o~o~,-~i'capHLdLiqecaid~NIf9Qng chuye,n.,n<1""0";'-; '0'",:,~~'

c~atIl1qng,tot, chung t~1gQI I~oeChlen"'qu~Y'h~~,M~tkhac,NH~o&P.TN.Ttinh,,;KI:n t:1cac kl~;n~~ap,r:p9~hn~am

d!3,h1~ -5Ian:trong6 t~ang, klemtra, hangquy,.toch(rcdoaDki~rntr,~,F,ki~m"cu~g c?~~~a~gcapch~t)~qD~Y~~~O~:

nqquah9nc6khanangthuhoivakh6 dauhi$unqxau,laidQng,nqdenh9n-GiCrvCrngva phathuythanhqua

to chCrctin d~ng (TCTD) cho vay.Trangxu hLfangc9nh tranh va phattrianh09tdQngnganhangngaycang

vachocongnghi$phoa-hi$n d9i hoa

TCTDh09tdQnga nongthan,ma con

co51!thamgia dongdaocuacacnganhangthLfangm9i (NHTM)khac Tuynhienphai kh~ngdinh chu ll,Ictrangvan'ded6van la h$thongNganhangN6ngnghi$pva phattri~n NongthanVi$tNam,Trangihai gian qua NganhangNha nLfaCthL!chi$n dieu hanhchfnhsachlai suattheoquanh$cungcauvontren thi trLfangva cacyeu tokinhte vi mo, Chfnh sach lai suat

T~ CIIiNCAAIIANc s64 NAM2004

ThS Tr~n Bid qtt6e Tu~ *

dLfangt90 tam 19tot doivai gLritiend6la dQnglL!ctac dQngIanden vi$c huydQngvon cuah$thongNHTMva Quytin dQngnhandan,Dongthaithu nh~pquoc dan trong thai gian qua tangnhanh,th~hi$nGDPtangtrLfangcao,TY 1$tiet ki$m so vai GDPcOngtangkhatronggiaid09n1995den2003chonentac dQngden vi$cgLritien vao h$thongnganhanghangnamtangcaveso tLfangdoi va so tUY$tdoi,g6p phandang k~ gia tang nhanh nguon vontrang nLfachuy dQngdLfqcd~ dau tLfcho m~c tieu phat tri~n kinhIe nong

Ket qua thL!Chi$n cho vay nong

nghi$p- nang thon theo Chi thi so202/CTngay28/6/1991va Nghi dinhso 14/CPngay2/3/1993:tfnhden cuoinam 1998cac TCTDda cho vay 3,3tri$u hQnongdan,tang 6 Ian v~ tong

' dLfnq lenden 17.000ty dong,tang69Ian so vai nam 1991,a cac giai d09n

tieptheothl,Ichi$ncac NghiquyetcuaDang,Quyetdinhcua Chfnhphu,dautLfvoncuacacTCTDchonongnghi$p

- nang thon tiep t~c tang nhanh, C6

th~ n6i, trong thai gian qua nganhNgan hangda thanh cong trong chovay trL!ctiep den hQsan xuat la dQnglL!cquantrQngphattri~nkinhte xa hQi

va thl,Ichi$ncongnghi$phoa-hi$n

- So hQva dLfnq von vay cuacac

hQsan xuat tranggiai d09n naytanglien t~c,da g6p phan rat quan trQngtrangvi$cthucd~ysanxuatnang,lam,ngLf, diem nghi$p phat tri~n, tangnhanhsan xuat ILfangthl,Ic,dam baodLfqcILfangthl,Iccho lieu dungtrangnLfacva danhmQtphanchoxuatkh~u,

Phu Yen

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