. cho Fy sx nonqnqhiop
Nam2007 Nam2008 Nam
(NCu6n :Phry ki todh)
2.3. Giii phtp neng.ao hieu qut trong hoetdong chovry n6i rieng vA hostiloDgcir QTD Vinh Kim n6i chung:
2.3.1.Tdn t{iY} nghuyer nhen: 2.3.1.1.T6r tri:
viec thu nq con bi han ch6 do thnnh vien vay v6n kh6ng hodn tra nq vay hoic kh6ng hoAn tra ding han quy ilinh trong HDTD
Doanh sd cho vay, thu na du Do kh6ng dn dinh qua cic nrm !i lrdg giin m61 cich lhil Ihu@C gay *16 khan cho viec quan li.
M6r s6 filnh vian vay v6! chuydd s.ng cdc 10 chric 1ir duns kh6ch r'.en dla
2.3.1.2.NguyCn nhAn:
D o . u c e n h l r . n h g . J g ; r \ a ; . u ; r g e - . a c 1 6 c h u ' r n , l L l g l r o n 8 d L b r n n c n o a n m m r r o r m o r . o ru ( n e r r a n n I ( _ r r y \ o r
v o , "J rh;nn \icn si d-re \un \a) lhdls hi, , qud din din rinh Fang L h L a 16, m;1 khd ntns thdnh lorn nd cho Q I D.
Do khnns hodnskinh t6lim cho giA c,i cic nll hdg dau bi6n dong kndng ngidg gny kh6 l{hrn ldn cho bA con n6ng dan.
2.3.2.Gi4i pn5p nans cao hieu qui trong ho4t dong cho vay n6i
r i e n g v n h o ? t d o ' g c n r QTD Vinh Kin n(iichtrng: 2.3..2.1. xay d[ngchian lu'llc kh{ch hnne:
N \ i m h o i n r r - i , r n i q - a r i, i , r a h " n s O r D r m n . o . o . , n g , 6 t i ' 1 . r , hang c! vii thu hr:t khich lars ndi QTD nan duy ti n6i quan hC grn b6 va c6 " h i t n .u o . c l r m . d c k J r " c h h a . , s m r c ; c h h q f || \ a l r l u q , ".l l;'y lir bsi rni \-dc\ nlns vi dey kh6ng don tluin li n6i quan [d kinn doanh, mua b6n mn cdn ln tin r E U u , . . d n . h o ( l - h h d j l u " o . . . d n ; ; . r l . r ' ) i ; r . 1 J u n . r o n r e n p d n g c a c h lu6n quan 6n den nhu ciu cLla khicl h!dg. Lu6n chin thiLih vdilhach hing,luOn l ; t d o l; r r k i r . . l r n " r n .i 1 . " ' l . l i i . l ; . j . , . j r|| \ ir. _.J dir loi Jh r;p thl:. loi hh cla QTD len hdns ddu rdi phuong cham hoal d6ns "kh:ich MLns IA tbtrdg dd, drAnh cOns cna khAch hins chinh li, thdnh cons cnr QTD . vi th6 tiong giao dich vdi kJr6ch hang phdi lu6n 1a thai di lich sq. niim nd. a,r ;n v; .niet tinn de dap irry nai nlu ciu cna khiich hirs. C6 lhich lrdns thi QTD mdi c6 tha dn 14i. h o r r d u n ! \ a rh;, ri(r Jro. r-( mo quxn h i l h a . h l; n g Q lD . d c h i p h 6 i \ a quy& di,rh phen nir suldn taicna QTD.
2.3,2.2. BiCn phnp kinb ia:
( ;n ltro ddi u \."\ '; ., jr . i" r' i J r.E J a ,4 r l i , l f t r a n h i a t .l r l \ sich hi suat phn hqp vdi mal bdn-q chuig rOn dia bdn de via ddm beo qu)€n ldi
cho bdcon n6ng dan lrcng dia bdn duqc lay v6n vdimrj'c Iai suit thdp nhhg cnng dam bdo cho QTD ho4l d6ng hiau qut !a thu duoc loinhuan.
Th\'c hiin chuqs r nc rl'u)in ra, r, r hrng bing c"ch 16 chuc nhimg chuyi:n du lich mi6n phi vn ldnc qud cho nhilns khich hing than thien lau nrm !e thqc hien nghia !u d6ng lai v?t hoin lia !6n dlng han qur rlinh.
Thuc hi€n chinh sich khen thumg. ddi ngO va mit val chAt va rinh thAn d6i l'Jinhensnhan yien hod thidh xui! slc tronC ho4l dons kilh dornh cnaQTD. Cd nlu \a moi rdn ding uc va {J pl':n (-o ronr conB tie! tu dd cac nhdn riCn sa c6 ging ngay ca.s nang cao trjnh dO chulen n6n, tnch nhien d6 hiCu qua c6ng tdc
2.3.2.3, Cini phAp v6chion luo. c hott dong:
Thay d6i chidn Iuqc kinh doanh b;ns vi€c brm snl dia bZd va dua lao nhan drn r.ong vdng dd r,ng cuog huy dong v6n da mo rong cho vay.
Da ddm bio ad lod va vin \i $a n,n-q sinh loi. Ba! Enh dao !a cdn bO
nMn vien can neng cao ning I(c quan rivil di6u h,:nn c6 hilu qud. DAc bjCt liL v'ec $Am .iinh cdc dlr en sdn xurt kinh do.nh khi cho v.y v:t quin Ii chit cha 1ai sAn.
Chn dong lim d6ilic de mn r0!g tin dune.
Chon loc kt ludng cAc thanh vien c! c6 uy rin de ticp tuc qud hc tin dung r.i hai xd Vinh kim v:t Mt Long Bic, chii raig viec md r6ng thinh vien hai xe Phrdc Ilao rt Hdg M! Lren co sd lhin lrong !i ki ludns.
l i u n n g \ - J i , L h u r l , : p L J , I l U . t ' ; , . ; r 1 ; n h ' . i n v . r r d n tr i n c o r o d o ph6n tich. ddnh sin khiL nrng rui ro da c6 bien phip rn likip thoitu d6 eiim ti Iq nq quri han l?iQTD.
T n n h rh u . q d n h d d . . ' , " . o r t u L r i i p , i. . r 4 p u v r- n C . c h i n n q u ) i n v i s u p h o : r q p c i . . . d . b c n n e d n \ d o . r ' \ i d . . u a n r \d , , d v l l r l w d 6 i ld i Q T D Vi$ Kin U khAu quan trcne, quy6l dinh don sq thsh cong nong hoat d6ng cna QTD. ddm bao an tdn t san !i phdt liian ho.I dOi-q c6 hiEu qud.
( in qJj: ,.'n rl L ld , -o.i b.r! 1.:ll Ji n b;o cudi ndn da duoc .hi riiu
Phai dya v?to kd hoach phtt Fidn kjnl td tai dia phuon8 da da n nhnng ki: hocch diu tu v6n nor cdch hqp li, dnns nhu ciu da cu6i nim du nq dat dnng chi tiCu da n.
2.3.2.4. MOisi5 giai phip khic:
D ; y m " n h q u d n s b d rh u m i h , L u , l i ( - n h u-nh \di ..c,,i'hnc rin dung n C n dia bln bdng cach nAns cao hi6u qud hoat d6ng cia minh viday ld bien phrp co b,n
ddl6ikto knrchhdng. Boinau QTD kinh doanhc6hiouqui, c6 nsu6n laichinh ddi
d a o , . d u y r , r r h l : r J o tr a . n h ; , p r . i , : n ' ; - . r,onf bn ci' unh huons \ t ; n c i p ndo khi ha can vi5n di QTD cing co lha ddp irne duac.
Tiap Qc Dd nhi€u cu6c hai thao kndch hang. thong tin tr€n c6c trnm thOng lin dia phuong dd tultD truy€n quAng bd Ind hinh ttr si6c 1had 8ia l?L thiLnl vien rui dan !a g6p c6 phin xa) dsng Ql D de dua hoat dOng cna QTD ng?Ly cdng quy m0
Neu cao rinll than doiln kct !d he! tac Gina QID ND cq sd vdi nnau) vi
ciea QTD ND cd sd !d QTD TW) th;Lnh mdL hc th6ng giin b6 chit che da cnng
n f " J b i q r y c U , d l h - n . v J a c u a l h n d . \ J i \ i u i a r .
D d u u i i i ' . d r , lo d "one n J i r h i . r s in d ; l l ' a n s | . r - r l" J r r o n g d : a u l i i n h6inhap nsaLy cing sa! .Ong rii da ning c.o cbil luqrr dich !u.
'rd chric ph6i hqp cing ldi chinb quyen dia rlruong tri6n khai chuog lrinh r J ! h u r n ( 1 o b ; . o r I h e d ; n ro
" d i o b a n v ( r i j rhun \a k nl, 1sl,en i.i I xu;r o nhftrg ngiLnh ltinh ta moi lhon cna dia phtdrg nhu: tdng Ua. Lr6ng nrau, nu6i rans thny sen. chin nubi gia $ic...da kinh rinh t ang brL con chua co kinh nshien
san xuit nen sn d!,ig nguin !6n rnrg da1 hiau qui d;n d6d thua 16 G d6 ,nh
hude ddn !i6c thu h6i nd c0a Q]D n6i riens !d crla kinh d tong dia ban ndi Nang cao rdnh d6 chu)an son cho doi ngi c6,r b0 nh6n li€n iai QTD vi con ngrdi li nhin t6 quan trore quy& dinh dal Lh,inh c6ng cna QTD, lin chn crc quy ni r va c6igrghe. Do d6 can ph;i giio duc. xiiy dung viL b6idunng de c6 d6i ng[ c6n bi c6 ning ltc chuyen m0! !i phong c6ch Un viec khoa hac. Lion 1!c ruyan d u n e o l , i n g . d r \ " . . r'nh d.. I rh, gl iiro \d pr':,, ch;,leo d u c .
CHUO.NG 3: KET LUAN VA KII]N NCHI3.I. K6t luan: