Dieu hnrh bdn bi hoat dirs crla QTD, tep
c n o ( a n o 9 (o n g n n a n v r e n r n o ! n e u o n g m o l
nhan chi thi cnp ll€n sau do ph6 chiu Doitriich nhi:am quen li vA
hoat d6ng ctla QTD.
Hoat d6ns tin duns lA nhiem vu lrung rrn c,laQTD.Tin dung la nghjep vu sinh loi chn y6u c,la QTD. Do .16 bai rhnn Lin dung c6 nhien vu hudng dan khdch hing hp h0 so xin !ay, kiem lradrco d6iviCc thqc hien II[)TD. ki6n tra 1ai san cna ngudi di vay, d6n d6c rh! hOi nq ddn hiin. da ra biEn phiip xt ]i nq kh6 ddi. Phdns tin d!'ng c6 quan hC chil che thu6e xulen ldi cdc phdng ban klac. C6n b0 lit J u n C . , n g u a i n u c I c p r g ) i c n c u . . . l r v l , c n p \. . " c r h u o c c d c n c i a p w d ; u r u . ,';,' dr ,hong I n. phrl rlh lhxcl' h-, t. J( "ui chu vJy hui. kndng cho vaI ddi vdi titng khnch hdng da bno ceo vd rn li khi cd tinh hu6ns xiu inh hvmg d6n v6n d ; L u , ! a Q]D. Don d n , F h d c h - ; r E , h u . \ i a _ rl , . d i i g . h . i J u . id QlD.
B0 phA" k6 tod,:
Phdng ka lo6n Id noi khdch hing Inn ftn tuc gdi lian. l)m thn llc thu chi di chinh, hlch loin kinh do.nh dim biio nhaft ch6ng kip thdi. c}jDir x6clao diau kien cho c6ng tiic kinh doa.n phiir tiin r,ir, cnnS c6 U ng cao uy iin phlc \a kliich
Thuc lri€n vicc thanh tonn, ghi chap. rh6 hi6n ral ci ctc ngiiep !u phil sinh mol cdch dal dn, chinh x6c. lrung lhrc. kip thi'i vi cn he th6ng. Nho db Bd hnh il4o kip lhdin;n hillinh linh rhrc hian ka hoach rin dung {6ng hqp. inn hinh thqc
La noiquy6tlodn $ichinlr, quy6t torn thudrg cho nhtn lion lrong dm vi mlnh, duqc
Thlrchion cdc khonn giao n6p. Lhrfr gi.
cni.
Phi,ry ngA, qui:
hi€n viec lhu chi tl! dqng, tdng ta! neu6n !6n ho4 done dd c6 k€ hoach si dung
lian lrmg, ph! c6p, bdi dudng, krren cirn d{ic ui quyanquan li.
thi lroang thanh todn, thi tNmg tidn
L) trung lan lian m6t cua QTD, ld ndi thu htll diiu hod, phan phi5i v6n tian md! k6t hqp chAt che vdi phang ka roiin da plruc vu lltrch hnng nhanh ch6ng, chinn x6c. thuc hian viac rhu chiricn mit.
Quan li an loAn ngin qui vnlbqc hi6n cec qur chc ve lhlrc hien $u chi, laD chuydn dan nrr t.en dtdg di.
c6 trach nhiem -qitm sar vl ki:n lfr dbng fian dd phrl hien li€n gia nhim cha luane ian sid luudnnrgrr€D rhiffimg. gop phar in dinh gin ri cna dang
Dc xu,r dinhmrclOn quililin ntl raidd !i.
Ki6m sort vi6c chip htin quy chij!a hoar dOne kinh doanh. Kiam tn ve ui c l l n i , k i r o d n . r ' ; r f l U , r l - , , . p . r u . c - c l' l o . _ 16..u a - r " u i v n . \ o n \d J . s n dung ciic quy cna QTD v, cac kho,in h6 uo Nhd nudc.
Tiep nhan vA siiLiquy€r khieunai.
Kicm tra cdc Uroan rh! chi. tan ring, lan r.ich va dnn hinl c6ng no.
2,1.1.4. Nhiirgihu-an lgivn khd khnn cia QTD ND Vinh Kiml
2.1.t.4.1. Tl,tr4n lgi:
xe vi.n Kin c6 he th6ng siao lhons r,\ui, b6 $uan lqi. thOng 1in lien lac r h o n g
" u 6 r r o r F J t r b ; n h o - r J | s . u r O I D . d ; , a , , \ . i ' o . . p o i n n i i J n n i r r r o r p huyen ciu NgaDg, lrinh dO din lri khiicao.
Dudnlhui lqiNam Mm-gThn tudrg d6ihoiLn chi,rh.
'rrong
cac nim 2004 2006 UBND xa vi Kim vi ciic car dep qc tu'Cn
1ruyan !d phi bi6n ka horch chulen d6i co ciu .iy tr6ng vAI nu6i thco ling lidu \ u n 8 . d u o c n h ; n d ; n d ; e I n l ' . a o ra " r dune \ ' r i q L r .
Hiu hal thi:nl vitn s6ng lAp ddu c6 uy rin !e chidn kl. kinh t6, xa h6i, t6n s E o u J r r o o n . ; m r i r l h o k n - c h 1 6 . g e n " i i r ' \ r ; 1 r , c h o \ i c . h u t d o " e \ ^ n c o lfc v6n huy d6ns t.en 8 tid6ng..
Thdnh vienhoid6ns qurn r.ico i fiL?c ld chfc c6 nin-q luc, cocdue6n nhiduthanh phdr kinh ta. xr bien finh lc lai dia phuog.
ViEc chu)en d6i co ciu ciy trdnr, vit DU6i tai dia phu@g budc dau c6 hi€u q u d . ( i r l - rc Jid plrh! cJ kndi s:. D;v a r^, ,huln oi 'iL lon (ho riic ldnc rrumg du nq clng nhu s6 du lien gni-
Co c.iu kinh d dia phums da dang. nhiau lhinh phan einp QTD dau (u
!0n cd d6 an torn vi dudc phan lan cho ihieu diaphudg lay nen it IethuOc
2.1.1.4.2. Kh6 khnnr
Bu.ic dau kong liOc chuyan doi co c,iu var Du6i, cay rt6ne c6c thanh vi6D chua c{t kinh nghien sAn xuil nen liec sn dun8 dOne r6n chua d?1hiqu qui cao, c ; i d t u ru n \ i u I r h J k n . u r - p n u i ) li t h t ; r d n h u ' e r ' r - 1 | ' n i , i m , : i n h o n c r l a d i a p l r r n c i' r ' r n n e l u u . r , u , ' n r r ' r I in. .han n , o i
Ci6 cd n6nc sdn thuc phnn kh6n-q 6n dinh . d,c biqt con hco con bd r& 8id. dich riy nau. sau hij, bOnh vang lnn xdn lll da rnh huong den nina suet cay lna.
Su canh lnnir ve lai suat crla cdc ngiin hidg tbumg mai Iam cho cdc thidh vi€n c6 nhu cau !.y r6n ldr lech rdi khni QTD. vi !61viec ph6t rien $dnh vi€n vi r a - e d u ro . o r ' h ; r . r .tr l^: nnu. ) c " c . l . ; r h \ ' : i soD';n.
2.1.1.6. Katqui ho+t.lOng cna QTD trong dn 2008 - 2009
Nhin chuns kaL qui hoat dong kinh doanh cua QTD vinh Kin c6 lqi nhuan
1nrc nhanh qua crc nin. Dc dqr duoc kfl qua ndl lrong clc nrm qu. QTD Vin-h
K i m d ; l $ n a p d u n g n h l n s r l , u n : . ' 1 j ' ; ' h ,ioJn\ t h ( h h r r \ c o rr n C r h d i d i i m c,la nin kinh ld.Do dd od trong nim qua dn tnh hudg crla suy tho6i kinh 16 t€n todn ciiu nhung QID vinh Kim kh6re nhi'ns da chdo ch6ng ldt n?' cdn ho4 dons .d l-rir qu1 fir ,lr rl,u Juo. r''r lhoi.r loi n\ rr_ tuqs d;i LJo ru nhimp hodl da-g Unh doanh cb hiCu que cna nrnnr.
tot. tinh dran kdch nlian cao, hOi nhaDh rlray, n6mbit dign
Bio cnok6tqui hortdongkinh dornh criia Rdrs 1: Bdo ctto kA qd ,o\t .l,tg lirh toanh
QTD Vinh Kim nrn 2008-2009: cnd Q1'D ttrh Kirt ndh 2008-2009
rhu nhipr.ivi cic k[oid 'hu nhip
t h u r h i ' r ; r r i u l n
r h ! n h i o , r h o r d n i r J i ! h . D
Liind rhudn rdhnd d{nadl.h vd LrrrS rhudn rt Du brn !$rtog
tiin6 thu4ndhui tl;@ rlhi( rh! rhii'i 16r ! h ns cLtrhin L'tinh$nrlu4nldho,r dilngtinh diudldfudltph.Dgniirotin c h ' | h ' ' h l o I N D N h L i i h XI l t . 3 ) 1
Quabins bdo cdo kat qu, holtdOns kinh dodnh lrong hai nEm 2008 viL 2009 c , l a Q I D v n h K i , n r a . i i , h ; r r o c r r n l \ ' 1 h l , o , r d q n g c i d O m r u m g d 6 i hicu qud dddc drnh gid quacdc qhi ti6u$u nniP viL chi phit i QTD
I h u n h t p rt i ; \ ; c " c k h o d r r - 1 o o . t d e n r l o k l ' o d r l h d n h a D ( \ u ) a u cna QTD dugc thu d ldi vay crla kndch hdng. tian gii tei cac t6 chlc 1in d!ng, chenh lech lii sina huy d6ng ldn !i cho vay. Do hoal dOng chn )du cia QTD b clo vay !i huy done riin in lien gni d6t kiqm cna khiich hiLn8. T}u nhAp iu hi v:t c6c khonn thu nhip tudg lq ntn 2009 ling 211.045.300 tumg U'ng ldng 8,7% so vdi ndn 2008. BeD canh d6lhichiphi laicnng 1u6d chie'n d lrong caoilong loDg ! h , p h i d , i g d a . l- i , r h c ; c l i o d n l ; i r a n t , . L " r h r . h L a r e \a r , i . \ a , c i a Q ] D tai QTD TW, tung lq chi phi lAi v?L c6c chi Phi tude 1u ntb 2009 clng ldng l6n 2 u 8 . 8 2 . 0 0 0 . o r o i - ; - 2 0 0 8 . r o r ! u r s i l t L - 0 . D o n s a y . r l g t d n l i a u k h a c h hang tham gia srii lieD !:, vay v6n lai QTD ldn cho QTD nsiy cans nd !6ng quy 'n6 hodr d6nC chinl diau d6 de l:d cho thu Dhnp va ct chi phi & lai va cac khoan lu@g td tai Q I D khone nginlr Lrng lod.
Tdng ha! hai yau t6$unhap Ei vi chiphi Ei thi rhu.hap laithuin 2oog lai giin 57.826.?00 so vdi 2008, tuons rlng gian r%: do chi lhi Iti llng c.o hot thu
' ap iti ner da bm L\u nhaP Iu lAi thuin sien.
TronC kni d6 thu nhip li! dich \'! Iai Lnng 70873.700, tumg a13lrng 63.6% sovdin,b 2008 cdn cli phi rndich $ chi tdne 1.:155.0001u@g tng dng 10,?%so \ ^ : 2 O O h . v i c c . h i p l r u - ! - - J \ ' , I r u n l ' i ^ d e . " , r , h u l d n d ; l i r r ' h o . , i t h u ; n 1ri dich vu ltng 6.518.700 so vdi 2008.
Tinh hinh 1b! nhap $r s6p !6D n.m 2009 lai gidnr 50.725.000 so vdi 2008, tuong Ling gidm 62%. frong khi chi phi hoar d6ng nim 2009 lai gidm 50.?25 000. u m e n n l d n 8 o 0 r o \ o i r ' " 2 n O 8 . D J u . D d i t ' n ' F | . h i n l e c l - r i i l l i . i t r r h i p h r . g i d r n ' i i r ' o , J x n n ) e lJ r . r n _ , ' , l h ' n e r h ; r , : 1 r l ' ;r d i c d r h a r ; n c cao ldinhuin hon cho QTD.
' u n g 1 , ] ! n l . i e ) a u ro 'i n i i . n . l ' : o , \ d r . " n h - n n i u r r i ' l i r q u : i l a i n}!An fiuin nln 2009 lA:12?.0.15.6001rn9 L l6'1.000 so vdi2008 vaL sau khitrn cic thoai thud ri chi phi du phons llri ldi nhuin eu fiua cna QTD narn 2009 li 21j.953.700 Line 51.486.200, lodlg i.ng ldng 31.3% so ldindm 2008.
Htnh t: BtCu .tA kfu qud loer .4ry Ltnh hanh quo 02 ndh 2008-2009 2539708000 -t:920300 3000000000 2500000000 2@0000000 1500000000 100@00000 5o0o@000 r C h i p h i Ndm 2008 Nlm 2009
@suAa: Phnag kA tudn)
Mtrc dn trcns b6icinh knnng hoanetdi chinhtodn cau clng nhLr nht g tl6 khln n6i tai cia ndn kinh lC nudc ta tren bu6c duonS hoi nhap. Mft mal Nld nudc thvc hien cdc bion pbapch6nslan phlt, thdt chat chinh sdch lien t6, quin li lai suat cho lay vdL huy done v6n ldn han ch6 sv gia tins ctla don8 vdn; yeu cAu hoi nh8p
md dudng cho ciic td chltc tin dung nuoc ngoei than nhap sau hon rdo thi trudng tdi chinh trong nu6c Cdc td chuc 1in dung trong ntrdc diy manh b6 sung !6n diau lC vd md r6ng quy mO h(DJ d6ng, cdh ttrh quyat liet ten lhi tnrdng huy dong Y6n vA cho wy. thu hul kh6ch hdng !A chi6m liDh thi phAn bing moi cich . Nhdg lruic b6i cdnh d6, QTD ND vinh Kim vdi loithe gan den cung phong cach phuc vu lan tinh ch! ddo ben canh sF h6 trq cna NHNN cnng QTD Tw va s\i lenh d4o tltns hrrdng cna btu lanh dro di dE QTD vinh Kin ltqt qu kh6 khdn ihri th6ch vd ho?l rtong kinh doanh co hi6u dm ddn m{rc lqi nhuan tumg d6i cao cho QTD trong
2.1.1.s.chi6n tulcrd phutng h['ng phdttriAn cn. QTD vinh Kin:
Ting cuong h@ nna viac ph6i hqp chat che gin HOi d6ng quen d, Ban
kiam soiir, Ban diau hdnh da thu hii no ngo?i bdng. han ch6 nq xau, cu6intn ti lC
Mdr0rglin dqng d 2 xa Phudc Ilno - Ilmg Mt tron co sd lnnn llong
Ti6p qr md nhiau cuoc hoi thio khnch hing, th6ng iin t|en cec ll'4n th6ng 'i1 dii pnumg di -Jan trl)eo. quine b:i loJ, h nn horr dons cjs Ql D din rin nguiri dt. rl€n rodn dia bdn hiau 6.
Chn dOnsrin ngu6n v6n dd Ind r6ng lin dtmg trcng tit ca cic linh wc chdn nudi, nu6i trdng $,ly san. trOns Ina, rr6ns niu...td dla ph(d8
Dan bio lrong kinh doanh phii c6 lai da ftng rdi di phi, chia cd lrlc vn tich lny rqo dieu kiCd cho QTD phntdan ben vilng.lau dALi.
Tii:p 1uc cnDg c6 cM1 lumg tin drns, din b,io an roiLn neron v6n
KiCn quy& cit ldng danh hieu co quan ltn ninh,liap qc dOi Dditac Phong giao dich rdiphuore chin'ph!E vu khdch htng. tueg 1rg lbiLnh vien".
Ti,:p luc dOng vien ldn ihd ihan rien ra suc hqc liip chuytu D6n ntng cao
T a o d ' a u ( in.ho cong d o d n . " i p , " r ) u \ d u ( r i - l - , h r n l ; n c h ! t a p h a
in bao vO quGn ldi cna nhan rion ftn tinh rdn cnng b g hqp li vn dlng
pMp luat.
Ti6p qc hodn chinh td chtc bO 'ndyhoatd6ng. Phin diiu vi luql chi tiau ka hoach nam.
Ttng lhu nhip clro nhen vian iham 6t d!,rh ru rumg. i$ich lC lith thdn liLn
v6n buy d6ng rn6i nr,n Llng n rhit l0%. rans r6n di.u le hdng nan n nhit Io%, du nq m6i nt'n rine il nhit 10%.
Tiop lUc cingc6 chat ludglin drng.dim bao an loiLn nguon v6n
Din bio kinlr doanh phiicd laidi lrans trni chiphi. chia c6 rn', 'adch lnv. t?o dieukien choQlD phrt lrian ben vnng !i ldu diri.
ll6n diu da. cu6inim 20l0 dal dtrdc cAc chi 1i6u co biln dhu sau: T6ng ngu6n v6n ho?l doig ir nhi120.l l6 rieu.lrong dal
'/ v,in lq c6 ir nliir r ?. r 60 rri,;u bao C6n: va'n diau lC i1 nn6r SsO ltieu; v,in cacqui n nh:r 866 lneu.
, I t L ) d o n g r ' i n c - i d ; f c r j r n h ; ' t ^ . h n n u . i i r
/ VayQTDTW Chi ihtrh Trn vinh il nlit 2000 fieuT 6 n g d u n o i l n h t t 1 9 . 0 0 0 t r i € u . l r c n g d 6 :