cfldoNc a. xET LU.iN - xriN NGHI
3,1.2. BAi hOc ki.h hghion rntF qua qun fitrh rhw qp yA plnn tich.......-
€ I d € E€ lB€ E' u€ z € € 2 €,.5 q I F - .E F F E
Qua bdns sit [€u ta thay tian e]ii c6 k] hqn 3 th6ne chidm ti trang cao nhrt, qua 3 nim lt lrgng tdng trong khodng 70%- 72%. Cu Ure nam 2005 tian gij o6 k' hr I rh,ing dsr 7.100.000.000 donj chiam d rens 70oo r6ns \6n huy dane. Nan 2006 dat 8.?53.000.000 ddng ttng l 653.000.000 ddng tlrcn s duonz23,31/0 so num rtudc vi chi6m 1t lrang ?1,2% d.g vi5n huy dong. Nan 2007 dat 12.299.000.000 ddng trng 3.546.000.000 ddng tuong dueg 40,5% so nnn 2006 vd chi6n 71,9% dng vi5n huy dong. Tian grri cd ki han 3 thdng chiiin tt lrgng cao nhu viy b do bi suat lo?i k' hen ndy tuong ddi cao hon cdc k, h9n khdc vd thdi gim Iti l0i tuong d6i da nguiri gii cd rha st dung dan cta ha cho nnrng chi tiCu nd c6 1l)€ hudng duqc lai sutt hq! lY-
Huy dons v6n th6o ky h?n g',r n5m 2005
Httrh2.4: Bi6u ddhuyd0nev6n rheo kt[3d gni bitu2005
D6i vdi nCn gni c6 ki hnn 1 th6ng thi qua 3 ntm cnng tnng, nln 2005 d4t 1.115.000.000 d6ng chi6n lt trane ll % dng v6n huy dOng. NIn 2006 dat 1.462.000.000 dbng tdng 347-000.000 ddng tumg dudg 3l,l% chiam ll,9% i6n8 t6n huy ddDg. Nam 2007 dar 2.010.000.000 chi6m i (ang l2.l% rdng vdn huy dong lang 608.000.000 ding lumg dumg 4l,60ld so nlm 2006.
Huy 60ns vdn ih€o ki htn S'i"i
Ht 2.s: Bi6u dd htry dongv6n theo k' t?n gni bnn2006
Oual nND ulld) lo4iriin BtiL6 ky hdn I rh,ing va ki h?n I rhdng di'u sng len do ddis6ng \it chil crla ngudi dAn ngd) cdg duqc D;mg cao. kini d xa hai ngdy cang phdt ti€n, vd mfc dO liD tuemg cna ngudi dan viLo qut tin dung ngdy cdng duqc nang cao. TDy nhien vti ien lt "v0t b6t ly (hrn" ve tian g0i tronS frdi gian ngi! thi cd fta kip st drrng cho n}itrg phu@g 6n san xuit kinl doarh holc chi liiu gia dinl vi vqy Lian gti c6 ky h?n I lhanS ra I rhan8 chiim cao cdn cdc kt han Lhiic rhi rMp ronS rdng v6n hu) dang. Nam 2005 riin gti c& ki hen kldc der
1.927.000.000 d6ng chiiin 19% t6ng v,in huy dOng. Ndn 2006 dal 2.0?5.000.000 d6ng ttng 14E.000.000 d6ng uong drJdng ?,7% so nin trodc va chiem 16,9% r6ng v6n buy dons. NIn 2007 dal 2.740.000.000 ddng ung 665.000.000 ddns uons dumg 32,1% so lam lrudc vn chii:m 16% d.B v6n huy dong.
Huyd6ng v6n theo ki hln gni nth 2007
Hlbb 2.6: Bi6n d6 huy dong v6n th€o k' b?! s'li DIm 2007 2.2.3.3. PheD fcb |ni suel huy.longvoo
TiaD gti t?i qui tin dltng nhan dAn xa Long Etc chi c6 I loqi b cO k' hqn. Nhmg van c6 mtc lai suit 6p dung cho ti6n grii khong ki h4n. Lai suAt fian gli l(n6ng kt h9n $udng ld 0,25% vd lti su6t ndy qua 3 nrm cnng giao dong d mfc 0.25%- 0.3%0116!g. Mtc ldi su6t niy dndg dC sn dung khi kh6ch hdng den .(rl tiCn
Tiirn sli c6 ki h4n dds {r{c hien phan chia theo .hiau k} han sam c6 kt hen I li{ng, 2 thdng 3 thfng, 4 thing, 5 ll)rng, 6 ll)rng, 7 thrng, 8 thdng, 9 th6n&
l0 rh6n8. I I rh6ng. 12 rhdn8. Thudng rhr 6p dune muc laisuit ran8 di! theo ki hen gti. Cimg L6 $di diam lai suit cd ki h"n d rii li han lien lia? nnau co cing mnc lai suit..CtDg nhu lai suit k}6ng ki hen, Ei su:t c6 ki han thudng d nfc kh6ng c& hm so vdi cdc ngan hang thumg miti kl'6c.
t r i s u d r h u y d o n g p h d b : C n l o a i k y h r n l- b r h l n g l a i c u i t 0 . 8 l o , 0 . 0,8?7ol1h6ng, lo4i k' h4n ?-12 lhit g hi suil 0,825-0,87%/1htng.
2.2.4. Ddrh giA hie! qun huy dolg v6n th6ng qua c6c cbl ti€u
HiCu qua hoat dong huy dong v6n duqc xen x€t qua nhiau yau t6, n6 c6 th6 duqc dnl toAn bdng c6c cht lieu qr ft€ mmg tinh dinh luqng, hoac th6 hifn qua kla ndnS rhu hnt lJl6ch hang. liec thltc hidn muc rieu kinh ra xa hOi theo dinl hudns cna did phudg. . . Trong dA lAi nAy em chl dlng c6c chi s6 mmg tinh dinh luqng da d6nh gi6 hi€u quA ho41 dong huy dong v6n mot ciich kh6i qutt.
Bntrs 2.?: D4ob giA hilu qud hoatdOrg huy ttingv6D qur 3 ntm
. Y6! huy itiog / t6ns !gu6n v6n
chiGu nay cho bi6t nsuAn v6n qut tin dlDs c6 phu thuoc viLo v6n huy done hay kh6Dg. Ti lC phu $uoc cnng nhiau thi cdng t6t vA n6 phdi chi6m t' tgng klodng 70-80% dDg Dgudn v6n tht n6i t6t cho qut tin dlng. Qua 3 nim trgron v6tr v5tr huy dong cna qut tin duns t{ns nhhs 'hung vAn chi6n $ trans tudng d(ti t ons dns ngudr v6n huy dor8. Nam 2005 la 66,7%, nam 2006 siAn xu6ns cdn 65,1010, s6 girm kn6ng ddng kC, sdg ndm 200? d 75,5%. Dd iluqc nhu v6y lA do quy tin 4ng da khiic phvc iluqc nhtng h?n chd qua crc ndn va d! drng duqc nhiau bien lhdp tich clrc trcng d6 qm 1r9ng ln chi6n luqc kn6ch hang, hi sudt duqc 6p dung tlug va kip thdi. Tuy nhien tt le nAy chua dal mtic hieu qua cao, vi v6y qui lin dung cin tlch cuc diy menh cOng t6c huy dong v6n cao hon nia.
* V6n huy dotrg trtu du trq cho vsy
chi licu nny xac dinh iieu qui diu rtr cta mO1 ddns v6tr huy dotrs, la chi ticu cho ta bi& kla niig luy ttOng v6n cna qut lin dlDg cd d6p fng nhu cAu cho vay cna kh6ch hang hay l(116ng. Ta rhly q E n6rn 2OO5 b 74,4vq ^am 2AA6 lA n,4%
Cbitiau NAb 2005 N[n2006 Nnn 2007 T r d i n g E.160 1 0 . 3 5 3 1.t.428 v6tr huy doos Tr d6ng 5.4.19 6.143 1 0 . 1 3 9 T r d o n g 7.307 9 . 1 8 8 l t . 9 E 1 Tr dOng L200 r.900 1.600 laltD/TNV 66,7 65,1 \aED/DNCV YD 1 3 , 4 84,6 t 4 , 7 13,4 I t , 9 u
chi gidn 1%, nrD 200? b 84,6%. Qu.chitieuniLy cho thiv linh hinh huv rlOng v6n cna quy 1in drDe dian ra kha r6t. ddP tng tltdc ken 70% vi5n cho vav hdng nin.
' Vi5n
"uy lr€n 16og"godn v6n
chi tieu niLy ph,in anh mtc il6 phu lhuOc cia qut lin dung vao v6n vat cna 6 chnc tin dung hay nSan hi.s th(eg nai khdc Dhd lhi ndo. 56 lieu lren cho ta th,v nrtc dO phu ihu6c l,i ldOne cao, qua 3 fim thi c6 hien luqng 8iam. Nam 2005
14,7% sang nan 2006 laL 18.4% tdng 4,3%, saDs nno 2007 eian xu6ng cdt I1,9% Ti lC ndy eiiLm cho rhiy qut tin dlns di huy dong v6n kha al, it s'r ,tqng v6n uuv da ddp ing nhu ci! vay cna khdch hdns.
Li not qui 1in dudg su h6 tr{t tn v6n vay cna ngan hdng thumg mai li kh6ng $d thid!. Tuy nhiensc 16r hdn cho quy tin dudg nau c6 fta u car d6i v6n Qi ch6 bing c6ch tlng cuihg hm nna kln ning huy dOng v6n cia minh Nhu vav se qo cho quy li. d\ng th,: chn dOng liong kinn doanh, c6 kna ning cung cap dnv dn. kip rhiri nhanh chiine vitn cho kldch hdng, dhlit ld nhu cau bO sune lhieu h!1cna ci 2.1. Nhtrng tdn t4i nguyen nhin vi, siai phdp trons hofl .tong huv dory v6n cnaqui tin d+trgnhin diln xe LongDnc.
2.1.1. Nhnng l6n l?ivn nguyetr nhin cn. i;n tsi Qux phnn tich linb hinh l,uy ilobg v6n t?i qli tin LongDnt trong3 nnn xin rnl r! mol s6t6n tri nhusau:
NeuOn !6n huy dong c6 sy gia idng rb let qua I .tn u n g d u n . g i n 5 0 o o n h u c : u \a l ' ; ' . : - k J r d . h t r l p h . l o c o n lAy tu c,ic nguOn v6n khiic lrong dd lnn vay chiem ry lQ kh, v6n vay nay se lnm gidm di loi nhuAn cnr qut tin dlng (adsbygoogle = window.adsbygoogle || []).push({});
lhi:ng lhi kh6ne huy dolg dtrqc.
Neuinv6nhuydone I nin quatinh dn dinh ci'n Liisurit it rh.y d6iva chenh lCch Sina cdc ki hen
cvHD: Nsuy€n rhi rnsnh rho!
Vdn hu) dcnt chi JiL lr co k) h?n nh6 hon l2 rMrE con I'i \an l(h hm 12
N g u y e n n h e n . i , d b n n s d n t f i i l 6 l i , :
Ngudn v6n huy done cna qut tin dung chn ydu ln ri' tian gnic,ta c, nhan. hO 8 i r J i l h r n r u , j r l . n h d o a n n n h o n e n ' u . , i n h u ) d o n g d d o . c o n th d p . L h r d d a t n n e
Tr€n dia bdn huy dorg con c6 cIc qui tin dung !a ngnn hang thudg nai \ h r c d u n ( lh a n h l x p \ i J \ " o \ o a d n n g l ; J L h r h o . \ r r l ' E 5 ' ( c " n h r d n h . u n g n n u ki.b nghidm 6p dung cric bien phap I6i k€o khdch hAnC cbn y6u k€n hd.
sin pham huy dong con don di€u ldi cec sen pham truyan th6ng la rian eni den cu, phuong thric huy d6ng ch(. phone plt chua c6 san phin dic fin de tao lqi th6 canh tlanh rieng nen chuabuy da,ns duqc r'6n nhdn r6i crla ngdtiden.
2,3.2, Cini ph6p
2.3.2.1. Vachinb stch khnch hnng
I h u d n g x u J r n o ; , n s " r d L b c I d ; tii m;,,turn t , i 1 6 r d c p v o i c h , n h q d y E n dia phudrg. nam bal cdc dtr in huy hoach. nhtng khdch hing co v6n nhA r6ida kip lhi,iti6p can huy dong d(qc nguin!6n.
Hodn thien chinh s6ch khiich hAnS hqp li v, c6 hieu qud.luvin h6 rq ngudi din Gm thn 1uc cd lion quan d6n gni lian. hudns dA. ngui,i din cich sn dung tian nhdn roi,nol cdch ho. p ly.
Ning cxo ch;r lu\,,,s hu) ddn8 o.l rg crrt' .d r,in , Lnp coch ph, c \u kn"ch hm8 nhu Jn c;n niim nd. lich r. nhj --r1. r;u rdm vo nh:r lx phii co r,1h Ja. nJ( tii! chinh lnhn sao cho l0 hodnlhinh nhien vu !6itinh rhaD lnich.Iiem cao, c6 hiau bi6 da giii thich cho khrch hdng DOt c6ch trlog ran !,i chinh x6c nhnng vdr Tao long rin voikh6ch ldrg bing cich kh6ng nsuns nangcao hieu quA hoat ddngcia minh. bdi viqut iin dung lin iin cn hiququi, c6 ngudn tiichinh ddidio. c6 ut rin rhiklid6 khicl hdng mditir rinS lrongbi1c[tinh hu6ns ndo k-hi ha ci! v6o lhi qui tin dune c6 khA ning dip tng ilir dn.
Qui li. dung nen lin hieu r0 ncuyen nhan d6i vdinhnng lhrch hing ngto8 eiao dich. flir rian gni vdo tO chLic tin dug khic da cd bien ph6p thich hqp nhin khoiphuc lai m6i quan hQ t6t vdi kh:ch hirng.
2.3.2.2.v4 c4c lo?i sAn ptin buy rtOng
. Qut tin dlng cah da d@g hoa cdc hinh tbtc Sti tiin nhu mt Sng ddn mqi tirng ldp dan clr,6p d$ng cAc a{c hfc Ui snrr bac didg, md rong cac ht h thtc grli - ti6t kiem nhtr fi& kien an sinh..., da d4ng hoi cdc lo?i ld hen grti, t6 cbtc kiAm
.. sodt lhen dch diAu kien vA ltil hinh huy dong vdn timg thdi di6m vA trong ams
oti k' da cn nffins bien ph6p htu hieu tdne kha nars hly dons v6r.
2.3.23. Sn d+ng Hi 6rAt libb ho4t
CAn !h{i 6n dinh Ei suil huy dong cna mlnh, can c6 nhi€u hhn tbic 6! dung hi suil uu dai d,ii voi s,i dai gii lon vd co kt han ddi, cho phdp kl6ch hdns rlt tian tims ldh tle ycu ciu.
CAn c6 cd cdu hi sudl thlch hq! dd hip dtn nsudi s'li d6i vdi fi3n gti 06 ki h?n vd kl6ns kt han.
CHI'ONG 3: KET LUAN - KITN NGHI 3.1. K6t luan
3.1r. K6r lunn chung va vdn da dt platr tich
Nhlns nim hoet dong trong .an kinh t6 thi t uing da ddnh dAu mot budc ngolc quan trang tronS hC thong tln dung nhan dan, qut tin dlne cnng Dhu bdt cf t6 chnc linh r.:kl6c.l,Iiti6n h,)nl hoar dinsrinh doann diu mong d4r drqc tqi nluqn cao. Hinh thtc lin dung xa da Bop ph eilp cho doi s6ng cnd ngudi d6n O n6ng lh6n DgAy cdng duqc cni fti€n, e6p lhin dua fttr ridi td n6ng thon chuyan dich theo hu6rg sdn xuit hod, cho ned viec thiat 4p nt.Ong ihi tfudng viio c6 i nghia thi6t th(rc trcng b6i cdnn ncn kinh 1€ cna xa Long Drtc.
Budc vao ftoi k' hoi nhAp, qut tin d\ng dllng rru6c nhilng thuan ki va @ hoi ndi. Song nhtng iht ihach vi kn6 khdn cnng dlt ra r& g.y git cho quy, ddi hdi sq tq tin, ban fnh nghi luc va sU baD vtng cna doi ngn ctu bO nhAn vien rrcng qut. Bdi biio cao khdi qudl drqc m6 hinh t6 chtc, lich st hoal dong cna qut rin dlng qua do di sau vdo phdn rich diinh gi6 rinh hinh huy dons v6n \a d{a \ao do dua n mor { 8di phSp nAng cao hieu quJ hoot ddn8 l,u) dOng \6n crla qut. Qua nntne gid,i plran fich em xin rfi n tuot s6 6dnh tqu md qut dn d\ng da dal duqc:
Qut Ln dune diL ddp nng diy dd kip rhoi nsudn v6n cho cac hO n6ng d6n phJr Lridn k'nn ra. ti vAy qut Lro fiirn ch; dra eiDe chic cho ngudidan (ong \d.
Trong cOng tAc dAu t4 qut cnng chri rrgng chu@g trinh phrt tdAn kinh G xa nlfiL, t\uc hien diu lu c,i trang didm, kien quydt b6ng cho vay nhtng phumg 6n
klons dem lai hieu que kinn t6.
VC cong liic huy dong v6n qur 3 .tun ting l€n khi rd.et, cho 1hAy ldng tin cia nsudi dan va uy tn ola qut tid dung ngdy cang cao.
3.l.2.Bni hqc kinh lghiem.rlt ra qui qln ftitrh lhrrc tip vn pher tlcb Qua thdi gid thuc d! 6 luan, en da dnc kel cho mlnh bAi hac kinh nghiem v0 citrg qui gi6. D6 ]n phd nhiet dqh trong c6ng vi€c, 4n ttnh gifp d0 mgi ngudi, phai hoin thidn kni nrne gDo liap crla mintl vd phdi c,i Eing hiiu rinl cdch cr)a ddng nghiep da tninl nhtne viec d{ng fi6c xay ra, nhu thit mti c6 lhe trd thaorr ngtrdi nl6n vien t6t. T4i qut 1in dung em da h9c hdi duqc cdch giao ddp cna cdc anh chi trong cs quo. hiu h6t cac antr ctri rdr vui vi tUan thien tich su, e nh&. (adsbygoogle = window.adsbygoogle || []).push({});
Trcng cong viec ng b6n tha hien finh thAn doar k6l t6ch nhien, ha stn ldng ginp d0 nhau dE hoatr tharh Dlien v{ chug.
QM qud trinn phan fcl nslicn ctu va tinh hinh huy dons v6n hi quy tin dung em da h9c duqc thcm nhilu diau m6i la. Ld sinh vien nganh k€ tofn dodh nghigp $t nhlng hiau bidr vA tSrr hdns cnng nhu (n drng lhi hoh tonn s b d6i vdi en, rhtng nChie! \T! ph6t rinh cnng nhu nhtng nghiep ru kC to6n lhi theo quy dinh ricns cta nBAn hnng Nld nu6c, kh6ns si6ns vdi ka b,n dodh nshiCp. Qua ph6n tich va huy dons v6n em da hiau dem ve cAch thlc huy dotrg v6n cna qut dn dung cing nhu m,nc hi suAt md qut lin du.g dd 6p dung trcng nnlrlg nan qua Em clng duqc biat them va viec d,nh gi6 vin da DghiCD c{ru th6ng qua chi tieu cna n6, d! tln hiau duqc thCm mot nang nh6 ve va fin dug, ginp lch cho had llang sau
3.2 Ki& rybi
3.2,r. t6i vfi n r[fc
Nla nufc cAn 05 chinh sfch bien lhdp bao ve san xudt n6ns nshieP nhu d4nn si6 c5c sdn phfun hAns ho6 nons Dsliep, bao hO sdn suri dua ra ke hoach snn xu6t qo ft6 6n diih va dd tic dO cao, r4o moi truamg hoet dons tin duns thuin lqi cho hoet dong qui tin i4i n6ng $6..
D6i v6i viec xt li nq qu6 hen tqi toa 6n, doi rhi hioh 6n cln h6 t'q rich csc da c6ns tac thu hdi nq cna qu9 tln duns di6n ra nhanh chons.
D6i vdi Ut bd trhan dan xa phudn& phons c6ns chfng cin nhiet dtrh hon nita lrong c6trg t6c xt ly nq, vAL girip c6c ll)anh vien vty vOn hoan ftenh nhdh
ch,6ne ld ss thl tuc vay v6n, ho m6i Ludns ftuan lqi cho qu9 tln 4ng hoai dons 3.2.2. D6i vdd qut lir dgtrs
Tia! tqc thuc hien c6ng tlc tuy€n lruyan hoit dong cna quy tin d\ing th6ng qDa nhiau ninh lh{rc nhu bdo ddi... nhfun cung cdp cho nsuei dan tni liu d€ ha nam duqc diem m?nh cna qlt tin dljng nn gia nhap hm rhdnh vien cna qut
Ti6p $c md rons manh ludi huy dong, d ttn duns l@ dOng dC c6 ftd sAn nSudi dan lam c6ng xic huy dong viin vd cho vay duqc ftuan tien.
)Gy d\lng n6ng cdp co sd ha rins, cei ll)ien i.anh thiti bi lhlc'!Tr vli Phdns.
Cin ch{ lrang c6ng tdc rnen sq, lltuamg xuy€n fien hC vdi cdc t udng d?i hec, va c6 bien tMp thu h(!t iai ning nhu ciic chinh s6ch @ dai, chtnh sach nac n6ng cao sau thOi eia IAm vie., d€ ttn ki6n vd {iio tao nhtng ngudi c6 n&g lqc phuc vu cho qut dn dung.
3.2J, D6i vfi DbA truhg
Nhn t udns citr sip x6! thdi eio c,i citu bO ddn i5n noi da gdi ldi cdn m d€n w qud da hudng dtr sinh vien thvc iap.
Nha trudng cen chn dong hqn trors viec nm K€n noi thuc lan cho sinl vien tl'itrg vdi clNyCn ngenh lon.
D6i vdi sinh vicn kho6 cu6i nfid !roads cih hd th€m nh'Au ldp dio ho kt narg xin viec cho sinh vien thvc hdnh. Nha trudng chl dong tiong c6c m6i quan hi vdi do6lr nghiep gi[p cho sinh viCn c6 cd hoi viec hm 16t lm.
. TAI LIEUTHAMKHAo
S6ch Nghie! r1r qut tin dung nhan dan qDyen 2 cna Ngan hdng nhn nudc vicl Nd Ia tdi lieu danh cho c{c lo! dao t4o c6n bo Qug rin dws D}atr daq }Ia Noi- 2007_
Vln kien dqi hoi thutmg nien qut tin drng nhan dan xe Long ECc tras 2005.2006.200?.
Nhtns vdn da co bdn va lian 4, tin dlng Dg6n hars va qut ttn duns nhan ' dan,Nr)<B HdNOi, nlD 2007.
, Thdi Vrn Eqi - Nguy6n Thanh NgDy€t bai gidng elatr tri ngAn hAne thudng m?i
0 "D
TRI'ONG DAI HQC TRA VINH
KHOA K|NH TE - LUAT Vi. NGO,!,| NCU .BQ MON KINH T6
___-o0o-___
BAo cAo THI,IC TAP T6T NGHIFP
PHAN TiCH TiNH HiNH HUY DoNG T4T QUV TiN DuNGNHANbAN
xAr,oNcoUc
VON
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