so vӟLQăPQăPWăQJYjÿҥt 143,29% so vӟLQăP&yÿѭӧc kӃt quҧ QKѭYұ\OjGRPӝt phҫn hӛ trӧ vӅ OmLVXҩt cӫDQJkQKjQJYӟLNKiFKKjQJ SKzQJWtQGөQJÿmWtFKFӵFÿ{Qÿӕc thu nӧ ÿӕi vӟi nhӳQJNKiFKKjQJWӗQÿӑng,
thӵc hiӋQFiFELӋQSKiSWұQWKXÿӕi vӟLNKiFKKjQJ ÿyOjNLrQTX\Ӄt thu hӗi nӧ bҵng mӑi biӋQSKiSQKѭÿӝQJYLrQNKiFKKjQJGQJQJXӗn vӕQNKiF ÿӇ trҧ nӧ.
'ѭQӧ cӫDQJkQKjQJWăQJOrQTXDWӯQJQăP&ө thӇ QăPWăQJ tӹ ÿӗQJ Yj ÿҥt 118,49% so vӟL QăP QăP WăQJ Wӹ ÿӗQJ Yj ÿҥt 115,73% so vӟLQăPĈLӅXQj\FKRWKҩ\QJkQKjQJÿDQJPӣ rӝQJTX\P{ hoҥWÿӝQJWtQGөng. NӃXQJkQ KjQJTXҧQOêKRҥWÿӝQJWtQGөng tӕWFyWKӇ mang lҥi nguӗn thu nhұp lӟQFKRQJkQKjQJWӯ hoҥWÿӝQJQj\
2.1.4.3. K͇t qu̫ ho̩W ÿ͡ng kinh doanh cͯD QJkQ KjQJ 70&3 Vi͏t Nam Th͓nh 9˱ͫQJFKLQKiQK3K~7K͕ 2017 ± 2019
Trong nhӳQJQăPTXDPһFGKRҥWÿӝQJNLQKGRDQKWURQJWuQKKuQKNLQK tӃ FyQKLӅu diӉn biӃn phӭc tҥSQKѭQJOӧi nhuұQÿҥWÿѭӧc cӫD93%DQNFKLQKiQK 3K~7Kӑ vүQOLrQOөFJLDWăQJ'LӉn biӃQWKXFKLYjWăQJ WUѭӣng lӧi nhuұn tӯ QăP ÿӃQQăPWҥLFKLQKiQKÿѭӧc thӇ hiӋn qua bҧng sӕ liӋu sau:
%LӇXÿӗ.ӃWTXҧKRҥWÿӝQJNLQKGRDQKFӫD93%DQNFKLQKiQK 3K~7KӑWURQJJLDRÿRҥQWӯQăPÿӃQQăP
(1JX͛Q%iRFiRN͇WTX̫+Ĉ.' FͯD VPBank chi QKiQK3K~7K͕ 2017 - 2019)
7URQJJLDLÿRҥQWӯQăPÿӃQQăPQKӡWKӵFKLӋQFiFFKtQKViFK NLQKGRDQKKLӋXTXҧYjKӧSOêPjWәQJWKXQKұSFӫDFKLQKiQKNK{QJQJӯQJ 0 50 100 150 200 250 300 350 400 450 500
1ăP 1ăP 1ăP
170 305 475 120 220 386 50 85 89 7ӹÿӗQJ 7KXQKұS &KLSKt /ӧLQKXұQ
WăQJOrQ7KӇKLӋQWәQJWKXQKұSQăPÿҥWWӹÿӗQJQăPÿҥW WӹÿӗQJ WăQJWӹÿӗQJWѭѫQJÿѭѫQJVRYӟLQăPQăPWәQJ WKX QKұS ÿҥW Wӹ ÿӗQJ WăQJ Wӹ ÿӗQJ WѭѫQJ ÿѭѫQJ VR YӟL QăP &yWKӇWKҩ\KRҥWÿӝQJFKRYD\YүQOjPӝWWURQJQKӳQJKRҥWÿӝQJNLQK doanh ÿyQJ YDL WUz TXDQ WUӑQJ FӫD FKL QKiQK WKӇ KLӋQ EҵQJ QKӳQJ NKRҧQ WKX QKұSWӯOmLWѭѫQJÿӕLFDRGRWәQJGѭQӧFKRYD\EDQăPÿӅXOLrQWөFWăQJOrQ ÿһFELӋWOjQăP1JRjLUDWKXQKұSWӯKRҥWÿӝQJGӏFKYөFNJQJJySSKҫQ NK{QJQKӓYjRWәQJWKXQKұSFKXQJFӫDFKLQKiQK %rQFҥQKÿyÿӇJLD WăQJVӭFPҥQKFҥQKWUDQKFӫDPuQKWURQJQKӳQJQăP TXD93%DQNFKLQKiQK3K~7KӑNK{QJQJӯQJFҧLWLӃQYjQkQJFDRFKҩWOѭӧQJ VҧQSKҭPGӏFKYөPӣUDQKLӅXFKѭѫQJWUuQKѭXÿmLFKRNKiFKKjQJQKҵPWҥR QrQWKѭѫQJKLӋXX\WtQWURQJWkPWUtNKiFKKjQJ1JRjLUDVӵJLDWăQJÿiQJNӇ WURQJ QJXӗQ YӕQ KX\ ÿӝQJ WURQJ JLDL ÿRҥQ Qj\ ÿm OjP FKR FiF NKRҧQ FKL SKt FNJQJWăQJOrQ&өWKӇWәQJFKLSKtQăPÿҥWWӹÿӗQJQăPÿҥW WӹÿӗQJWăQJWӹÿӗQJWѭѫQJÿѭѫQJVRYӟLQăP1ăPÿҥW Wӹ ÿӗQJWăQJWӹÿӗQJWѭѫQJÿѭѫQJVRYӟLQăP
Lӧi nhuұn cӫD&KLQKiQKWURQJEDQăPFNJQJFyGҩu hiӋXWăQJWUѭӣng khҧ TXDQOjGo tӕFÿӝ WăQJFӫa tәng GRDQKWKXFDRKѫQ so vӟi tӕFÿӝ WăQJ cӫa tәng FKLSKt&ө thӇ, lӧi nhuұQQăPÿҥt 50 tӹ ÿӗQJQăPÿҥt 85 tӹ WăQJ tӹ ÿӗQJWѭѫQJ ÿѭѫQJVRYӟL QăP 1ăP Oӧi nhuұQWăQJNK{QJ nhiӅXÿҥt 89 tӹ ÿӗng. Trong thӡi gian tӟLFKLQKiQKFҫn nӛ lӵFKѫQQӳDÿӇ QkQJ cao chҩWOѭӧng hoҥWÿӝQJNLQKGRDQKQyLFKXQJYjFK~WUӑng tӟi hoҥWÿӝng cho YD\QyLULrQJQKҵPKѭӟng tӟi tӕLÿDKyDPөFWLrXOӧi nhuұn.
2.2. Thӵc trҥQJFKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ phҫn ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ
&˯Vͧ SKiSOêY͉ FKRYD\ÿ͙i vͣLNKiFKKjQJFiQKkQ
Ĉ͙LW˱ͫng vay
Tә chӭc phҧLFyQăQJOӵFSKiSOXұWGkQVӵ. &iQKkQÿҥi diӋn cӫa hӝ gia ÿuQKKӝ NLQKGRDQKÿҥi diӋn cӫa tә hӧSWiFSKҧLFyQăQJOӵFSKiSOXұWYjQăQJ lӵFKjQKYLGkQVӵ.
1JX\rQW̷c vay v͙n
ĈӇ mӝt hӧSÿӗQJYD\ÿѭӧc thӵc hiӋQNKiFKKjQJFҫn phҧi:
+ Sӱ dөng vӕQYD\ÿ~QJPөFÿtFKÿmWKӓa thuұn trong hӧSÿӗQJWtQGөng. + PhҧLKRjQWUҧ nӧ gӕFYjOmLWLӅQYD\ÿ~QJKҥQÿmWKӓa thuұn trong hӧp ÿӗQJWtQGөng.
+ TiӅQYD\ÿѭӧFSKiWEҵng tiӅn mһt hoһc chuyӇn khoҧn theo mөFÿtFKVӱ dөng tiӅQYD\ÿmWKӓa thuұn trong hӧSÿӗQJWtQGөng.
ĈL͉u ki͏n vay
Ĉӕi vӟi mӛi kiӇXNKiFKKjQJQJkQKjQJÿӅXFyPӝWÿLӅu kiӋQNKiFQKDX ÿӇ WUiQKUӫi ro xҧy ra. Hӝ JLDÿuQKFiQKkQSKҧLFyQăQJOӵFSKiSOXұWYjQăQJ lӵFKjQKYLGkQVӵ.
Nhu cҫu vay vӕQ ÿӇ sӱ dөQJ YjR PөF ÿtFK KӧS SKiS&ySKѭѫQJ iQ Vӱ dөng vӕn khҧ WKL&yNKҧ QăQJWjLFKtQK ÿӇ trҧ nӧ.
.KiFKKjQJPXDEҧo hiӇPWjLVҧQÿҫ\ÿӫ trong suӕt thӡi gian vay vӕn cӫa QJkQKjQJ.KiFKKjQJSKҧi thӵc hiӋQÿҫ\ÿӫ QJKƭDYө vӅ ÿҧm bҧo tiӅn vay theo TX\ÿӏnh cӫDSKiSOXұWYjFӫa VPBank.
2.2.1.4. /mLVX̭t cho vay
1JkQKjQJ70&39LӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ F{QJEӕ OmL suҩWFKRYD\FKRNKiFKKjQJELӃW1JkQKjQJYjNKiFKKjQJWKӓa thuұQJKLYjR hӧSÿӗQJWtQGөng mӭFOmLVXҩt cho vay trong hҥQYjPӭFOmLVXҩWiSGөQJÿӕi vӟi nӧ TXiKҥn:
+ MӭFOmLVXҩt cho vay trong hҥQÿѭӧc thӓa thuұQSKKӧp vӟLTX\ÿӏnh cӫD 1+11 Yj TX\ ÿӏnh cӫD 1JkQ KjQJ 93 %DQN YӅ OmL VXҩt cho vay tҥi thӡi ÿLӇPNêKӧSÿӗQJWtQdөng.
+ MӭFOmLVXҩWiSGөQJÿӕi vӟi khoҧn nӧ gӕFTXiKҥQGR*LiPÿӕFQJkQ KjQJTX\ӃWÿӏQKWKHRQJX\rQWҳFFDRKѫQOmLVXҩt trong hҥQQKѭQJNK{QJYѭӧt TXiOmLVXҩt cho vay trong hҥQÿmÿѭӧFNêNӃt hoһFÿLӅu chӍnh trong hӧp ÿӗQJWtQGөng.
Ĉӕi vӟLGѭnӧ TXiKҥn chӍ iSGөQJOmLVXҩt nӧ TXiKҥQÿӕi vӟi phҫQGѭ nӧ gӕc cӫa kǤ hҥQPjNKiFKKjQJNK{QJWUҧ ÿ~QJKҥQÿӕi vӟi phҫQGѭQӧ gӕc
FKѭDÿӃn kǤ hҥn trҧ nӧ QKѭQJSKҧi chuyӇn nӧ TXiKҥQWKu1JkQKjQJiSGөQJOmL suҩt cho vay trong hҥQÿmWKӓa thuұQWUѭӟFÿyWURQJKӧSÿӗQJWtQGөng.
2.2.1.5. 3K˱˯QJ thͱc cho vay
Cho vay tͳng l̯n: Mӛi lҫn vay vӕQ QJkQKjQJ Yj NKiFK KjQJ WKӵc hiӋn thӫ tөc vay vӕn cҫn thiӃWYjNêNӃt hӧSÿӗQJWtQGөQJ3KѭѫQJWKӭFQj\iSGөng ÿӕi vӟLNKiFKKjQJFyQKXFҫXYjÿӅ nghӏ vay vӕn tӯng lҫQNKiFKKjQJFyQKX cҫu vay vӕQNK{QJWKѭӡQJ[X\rQ
Cho vay theo h̩n mͱc: 1JkQKjQJYjNKiFKKjQJ[iFÿӏQKYjWKӓa thuұn mӝt hҥn mӭF WtQ GөQJ GX\ WUu WURQJ Pӝt khoҧng thӡi gian nhҩW ÿӏQK 3KѭѫQJ thӭFQj\FKӍ iSGөQJÿӕi vӟi nhӳQJNKiFKKjQJFyWuQKKuQKVҧn xuҩt kinh doanh әQÿӏnh vay vӕn trҧ JySWKѭӡQJ[X\rQFyWtQQKLӋm vӟLQJkQKjQJ 4X\WUuQKFKRYD\
6ѫÿӗ 2.2: 4X\WUuQKFKRYD\ NKiFKKjQJFiQKkQ tҥi 1JkQKjQJ ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ
(Ngu͛n: S͝ WD\TX\WUuQKWtQGͭng cͯa 93%DQNFKLQKiQK3K~7K͕)
TiӃp nhұQYjWKXWKұp hӗ Vѫ
&iQEӝ WtQGөng thҭPÿӏnh hӗ Vѫ
Lұp tӡ WUuQKWKҭPÿӏQKFKRYD\YjTX\ӃWÿӏnh cho vay
LұSKRjQWKLӋQYjNêNӃt hӧSÿӗng
GiҧLQJkQ tiӅn vay
*LiPViWWKHRG}LNKRҧQYD\YjWKXKӗi nӧ vay
%˱ͣc 1: Ti͇p nh̵QYjWKXWK̵p h͛ V˯
&iQEӝ WtQGөng tiӃS[~FYjKѭӟng dүQNKiFKKjQJYӅ FiFWKӫ tөFÿLӅu kiӋn vay vӕn, lұp hӗ VѫÿӅ nghӏ vay vӕQ.KiFKKjQJOұSYjQӝSYjRQJkQKjQJ 2 loҥi hӗ Vѫ.
M͡WOj hӗ VѫSKiSOê, bao gӗm:
+ Giҩy chӭQJPLQKWKѭQKkQGkQKRһc hӝ chiӃu, sә hӝ khҭu, giҩy chӭng nhұQÿăQJNêWKѭӡQJWU~KD\WҥPWU~
Ĉӕi vӟLFKRYD\WLrXGQJSKҧLFyWKѭEҧROmQKKRһFWKѭFDPNӃt cӫa thӫ WUѭӣQJÿѫQYӏ. Giҩy tӡ chӭng minh viӋFOjPPӭc thu nhұp cӫDNKiFKKjQJ QKѭKӧSÿӗQJODRÿӝng, quyӃWÿӏnh bә nhiӋPQkQJbұFOѭѫQJEҧng OѭѫQJ«
Ĉӕi vӟi cho vay sҧn xuҩt kinh doanh hӝ JLDÿuQKKD\FiQKkQFҫn phҧi Fy JLҩy chӭng nhұQ ÿăQJ Nê NLQK GRDQK JLҩ\ SKpS NLQK GRDQK Fy ÿLӅu kiӋn, chӭng chӍ KjQKQJKӅ ÿӕi vӟi nhӳQJNKiFKKjQJNLQKGRDQKQJjQKQJKӅ PjWKHR TX\ÿӏnh cӫDSKiSOXұt cҫn phҧLFy
HDLOj hӗ VѫNKRҧn vay, gӗm:
+ Giҩ\ ÿӅ nghӏ vay vӕQ .KiFK KjQJ YD\ Yӕn sҧn xuҩt kinh doanh phҧi gӱi giҩ\ÿӅ nghӏ vay vӕQNLrPSKѭѫQJiQVҧn xuҩWNLQKGRDQK.KiFKKjQJYD\ vӕn phөc vө WLrXGQJSKҧi gӱi giҩ\ÿӅ nghӏ vay vӕQNLrPSKѭѫQJiQWLrX GQJ
&iFWjLOLӋXOLrQTXDQÿӃn dӵ iQSKѭѫQJiQ'$3$YD\Yӕn gӗP7jL liӋu chӭng minh mөFÿtFKVӱ dөng tiӅQYD\QKѭSKLӃXEiRJLiKyDÿѫQ«&iFWjL liӋXOLrQTXDQÿӃn nguӗn thu cӫa DA/PA hoһFWjLOLӋXOLrQTXDQÿӃn thu nhұSFi QKkQ
Hӗ Vѫÿҧm bҧo tiӅn vay gӗPFiFJLҩy tӡ chӭng minh quyӅn sӣ hӳu, quyӅn sӱ dөQJWjLVҧQYjFiFJLҩy tӡ NKiFFyOLrQTXDQKӧSÿӗng bҧo hiӇPWjLVҧn, bҧo hiӇPFRQQJѭӡi kӃt hӧSWtQGөng.
Hӗ VѫQj\FKXQJGQJFKRWҩt cҧ FiFNKRҧn vay, thiӃXWtQKFө thӇFiFTX\ ÿӏQKFzQFKXng chung, thiӃu cic chuҭn mӵFÿӇ OjPFѫVӣ kiӇPVRiWWtQGөng. ҦQK KѭӣQJ ÿӃn viӋc xӱ Oê FiF QJKLӋp vө SKiW VLQK OLrQ TXDQ ÿӃn khoҧn vay, giҧm hiӋu quҧ F{QJYLӋc.
%˱ͣF&iQE͡ WtQGͭng tẖPÿ͓nh h͛ V˯
&iQEӝ WtQGөng xӱ OêKӗ VѫYD\Yӕn cӫDNKiFKKjQJtiӃQKjQKNLӇm tra WtQKWUXQJWKӵc, hӧp lӋ, hӧSSKiSFӫDFiFWjLOLӋXWK{QJWLQGRNKiFKKjQJFXQJ cҩS[iFPLQKQKkQWKkQNKiFKKjQJWKҭPWUDFiFQJXӗn thu nhұp dӵ kiӃQÿѭӧc sӱ dөQJÿӇ trҧ nӧ vay.
&iQEӝ WtQGөQJ[HP[pW[ӱ OêFiFJLҩy tӡ OLrQTXDQÿӃQ76Ĉ%NLӇm tra WtQKKӧSSKiSKӧp lӋ, tiӃQKjQKNLӇm tra thӵc tӃ WjLVҧQYj[iFÿӏQKJLiWUӏ WjL sҧn. &iQEӝ WtQGөng lұSELrQEҧQÿӏQKJLiWjLVҧQQrXU}FiFQӝi dung vӅ SKiS OêP{Wҧ chi tiӃWWjLVҧQYjJLiWUӏ WjLVҧQÿѭӧFÿӏQKJLiNӃt hӧp vӟLFiFWK{QJWLQ tӯ bӝ phұQOѭXWUӳ hӗ VѫNKiFKKjQJFXQJFҩSÿӇ tiӃQKjQKOұp tӡ WUuQKWKҭPÿӏnh WtQGөQJ7UuQKOrQ7UѭӣQJSKzQJ.+&1ÿӇ SKrGX\Ӌt, [HP[pWWUuQKOrQ*LiP ÿӕFFKLQKiQK
NJkQ KjQJ NK{QJ Fy Eӝ phұQ ULrQJ WKҭP ÿӏnh hӗ Vѫ GүQ ÿӃn viӋc thiӃu WtQKNKiFKTXDQ trong thҭPÿӏnh hӗ Vѫ%rQFҥQKÿytrong mӝt sӕ khoҧQYD\Fy JLiWUӏ NK{QJOӟQQrQFiQEӝ thҭPÿӏQKWtQGөQJNKiOjOѫOjWURQJWKҭPÿӏnh mөc ÿtFKYD\Yӕn.
%˱ͣc 3: L̵p tͥ WUuQKWḴPÿ͓QKFKRYD\YjTX\͇Wÿ͓nh cho vay
&iQEӝ WtQGөQJWUuQKEj\ êNLӃQÿӅ xuҩt vӅ WuQKKuQKNKiFKKjQJWURQJWӡ WUuQKWKҭPÿӏnh cho vay vӟL*LiPÿӕFFKLQKiQKJӗPFy
7K{QJEiRÿӗQJêKD\NK{QJÿӗQJêFKRYD\YjQrXU}OêGR 3KѭѫQJWKӭc cho vay.
+ Sӕ tiӅn cho vay. /mLVXҩt cho vay. + Thӡi hҥn cho vay.
+ &iFKWKӭc trҧ nӧ gӕFYjOmLYD\
QuyӃWÿӏnh cӫD*LiPÿӕFFKLQKiQKÿѭӧFÿiQKWKjQKYăQEҧQYjOѭXYjR hӗ Vѫ WtQ Gөng. 7K{QJ EiR FKR NKiFK KjQJ YӅ nӝL GXQJ SKr GX\Ӌt cӫa cҩS Fy thҭm quyӅn quyӃWÿӏnh cho vay.
Sau NKLFyTX\ӃWÿӏnh cӫD*LiPÿӕFFKLQKiQKÿӗQJêFKRYD\FiQEӝ WtQ dөng tiӃQ KjQK FiF WKӫ tөF F{QJ FKӭQJ Yj ÿăQJ Nê JLDR Gӏch bҧR ÿҧP WjL Vҧn. Soҥn thҧo hӧSÿӗQJWtQGөng, hӧSÿӗng bҧRÿҧPSKKӧp vӟi loҥLKuQKYD\Yӕn cӫDNKiFKKjQJ7LӃQKjQKNêNӃt hӧSÿӗQJWtQGөng giӳDQJkQKjQJYjNKiFK KjQJ&KX\Ӈn bҧn sao hӧSÿӗQJWtQGөng, hӧSÿӗng bҧRÿҧPÿmNêFKRSKzQJ quҧQOêUӫLURYjQӧ FyYҩQÿӅ.
%˱ͣc 5: Gi̫LQJkQWL͉n vay
&iQEӝ WtQGөng lұp giҩy nhұn nӧ theo mүu cӫDQJkQKjQJ.LӇPWUDFiF FăQFӭ giҧi QJkQNKiFKKjQJSKҧLFyFiFJLҩy tӡ chӭng minh viӋc sӱ dөng vӕn YD\SKKӧp vӟi hӧSÿӗQJWtQGөQJYjJLҩy nhұn nӧ tҥi thӡLÿLӇm tiӃQKjQKJLҧi QJkQ
%˱ͣF*LiPViWWKHRG}LNKR̫QYD\YjWKXK͛i nͫ vay
&iQEӝ WtQGөng tiӃQKjQKNLӇm tra mөFÿtFKVӱ dөng vӕn vay cӫDNKiFK KjQJWKHRÿӏnh kǤ KjQJWKiQJOҫn sau khi giҧLQJkQWLӅn vay. NӃXSKiWKLӋn NKiFKKjQJVӱ dөng vӕn sai mөFÿtFKFiQEӝ WtQGөQJFyWKӇ ÿӅ nghӏ thu hӗi nӧ YD\WUѭӟc hҥn.
Ĉӏnh kǤ KjQJ WKiQJ FiQ Eӝ WtQ GөQJ WK{QJ EiR QKҳc nhӣ NKiFK KjQJ WKDQKWRiQOmLYD\ĈӃn kǤ trҧ nӧ gӕFFiQEӝ WtQGөQJWK{QJEiRNǤ hҥn trҧ nӧ FKRNKiFKKjQJYD\EҵQJYăQEҧQWURQJYzQJQJj\WUѭӟFQJj\ÿӃn hҥn cuӕi FQJYjWKHRG}Lÿ{QÿӕFNKiFKKjQJWKDQKWRiQQӧ ÿ~QJKҥn.
%˱ͣc 7: X͵ OêQͫ YD\YjO˱XWUͷ h͛ V˯NKR̫n vay
6DXQJj\ÿӃn hҥQWKDQKWRiQQӧ gӕFQJj\QӃXNKiFKKjQJYүQFKѭD WKDQKWRiQQӧ vay hoһc khoҧQYD\NK{QJÿѭӧc gia hҥQWKuVӁ bӏ chuyӇn sang nӧ TXiKҥn.
1JRjL OmL VXҩt cho vay trong hҥQ ÿѭӧF WtQK FKR WRjQ Eӝ Gѭ Qӧ gӕF iS dөQJWKrPOmLsuҩt phҥWTXiKҥn (bҵQJOmLVXҩt cho vay trong hҥQÿmÿѭӧc NêNӃt trong hӧSÿӗQJWtQGөng). &iQEӝ WtQGөQJOѭXOҥi hӗ VѫNKRҧQYD\ÿӇ ÿiQKJLi[Ӄp loҥLYjFyWKӇ OjPFăQFӭ ÿӇ thҭPÿӏnh trong nhӳng lҫn vay tiӃp theo cӫDNKiFKKjQJKRһFÿӇ giҧi quyӃt khiӃu nҥLFKRNKiFKKjQJQӃXFy
4X\WUuQKFKRYD\.+&1FӫDQJkQKjQJÿҧm bҧRFiFQӝLGXQJFѫEҧn cӫa mӝWTX\WUuQKFKRYD\QKѭÿmÿӅ cұp ӣ FKѭѫQJ
&iFV̫n pẖPFKRYD\NKiFKKjQJFiQKkQ
HiӋQQD\93%DQNFyNKiQKLӅu sҧn phҭPSKRQJSK~JLjQKcho hoҥWÿӝng cho vay KHCN. Tҩt cҧ FiFVҧn phҭm cӫD93%DQNÿӅXFyFKtQKViFKOLQKKRҥt, thӫ tөFQKDQKFKyQJÿѫQJLҧQYjOmLVXҩt cҥQKWUDQKWUrQWKӏ WUѭӡQJĈyOjPӝt ÿLӇm mҥQKPjQJkQKjQJFҫQSKiWKX\ÿӇ Fyÿѭӧc nhӳng sҧn phҭPSKKӧp vӟi nhu cҫXNKiFKKjQJÿӇ tӯ ÿyPӣ rӝng mҥQJOѭӟi hoҥWÿӝQJWKXK~WWKrPNKiFK hjQJ
2.2.2.1. Cho vay kinh doanh
ĈӕLWѭӧQJiSGөQJ&iQKkQKӝ JLDÿuQKFyQKXFҫu vay vӕQOѭXÿӝQJÿӇ hoҥWÿӝng kinh doanh. ĈiӅu kiӋn vay vӕn:
+ PhҧL Fy NLQK QJKLӋP WURQJ QJjQK QJKӅ NLQK GRDQK Yj Fy SKѭѫQJ iQ kinh doanh, dӏch vө khҧ WKLFyKLӋu quҧSKKӧp vӟLTX\ÿӏnh cӫDSKiSOXұt.
+ Vӕn tӵ FyWKDPJLDWӕi thiӇu 20% tәng nhu cҫu. Thӡi hҥn cho vay tӕLÿD WKiQJ0ӭc cho vay tӕLÿDOrQJLiWUӏ 76Ĉ%/mLVXҩWFKRYD\iSGөng OmLVXҩt hiӋQKjQKFӫa VPBank theo tӯng thӡi kǤ.
3KѭѫQJWKӭc cho vay: tӯng lҫn hoһc cho vay theo hҥn mӭF WtQGөng. BҧR ÿҧm tiӅQ YD\ 76Ĉ% FKtQK Oj FӱD KjQJ Fӱa hiӋu kinh doanh hoһF FiF 76Ĉ%NKiF
2.2.2.2. Cho vay PXD{W{
ĈӕLWѭӧQJiSGөQJ&iQKkQFyQKXFҫu vay vӕQPXD{W{ÿӇ phөc vө mөc ÿtFKWLrXGQJKRһc kinh doanh.
VӟLÿLӅu kiӋn vay vӕn:
ĈӕLWѭӧng vay vӕQFyQăQJOӵFSKiSOXұWYjQăQJOӵFKjQKYLGkQVӵÿӝ tuәi tҥi thӡLÿLӇm kӃWWK~FWKӡi hҥn cho vay kK{QJTXiWXәLÿӕi vӟLQDPYj tuәLÿӕi vӟi nӳ.
+ Sӱ dөng vӕQ YD\ ÿӇ WKDQK WRiQ WLӅQ PXD { W{ Yӟi mөF ÿtFK WLrX GQJ hoһc kinh doanh,mua bҧo hiӇm vұt chҩW[H{W{WURQJVXӕt thӡi gian vay vӕn vӟi
sӕ tiӅn bҧo hiӇPNK{QJWKҩSKѫQGѭQӧ FKRYD\Yj93%DQN OjQJѭӡLÿӭQJWrQ thө KѭӣQJWUrQKӧSÿӗng/ giҩy chӭng nhұn bҧo hiӇm.
&yPӭc thu nhұp tӕi thiӇu 05 triӋXÿӗQJWKiQJ7Kӡi hҥn vay tӕLÿDOrQ tӟLQăP0ӭFFKRYD\JLiWUӏ ÿӕi vӟi xe mӟLYjJLiWUӏ [Hÿӕi vӟi [H ÿm TXD Vӱ dөQJ /mL VXҩt cho va\ iS GөQJ OmL VXҩW FKR YD\ WLrX GQJ WKӓa thuұn.
3KѭѫQJWKӭc cho vay tӯng lҫn hoһc cho vay trҧ JySKRһc cho vay theo dӵ iQÿҫXWѭ%ҧRÿҧm tiӅQYD\FyWKӇ OjFKtQKFKLӃF[H{W{ÿѭӧc mua tӯ vӕn YD\QJkQKjQJYjKRһF76Ĉ6NKiF
2.2.2.3. &KRYD\PXDQKj[k\Gng, s͵a chͷDQKjͧ.
ĈӕLWѭӧQJiSGөQJ&iQKkQFyQKXFҫu vay vӕQÿӇ PXDQKjӣ[k\Gөng mӟi hoһc sӱa chӳDQKjӣ.
ĈLӅu kiӋn vay vӕQĈӫ ÿLӅu kiӋQÿӇ ÿѭӧc cҩp giҩy chӭng nhұn quyӅn sӣ hӳXQKjWKHRTX\ÿӏnh cӫDSKiSOXұt.
+ Thӡi hҥQFKRYD\ÿӕi vӟi [k\GӵQJQKjWӕLÿDQăPVӱa chӳDQKjWӕi ÿDQăP
+ Mӭc vay vӟL PXD QKj ӣ W\ WKHR WKӡi hҥQ FKR YD\ ÿӏD EjQ WKX QKұp cӫDNKiFKKjQJPӭc cho vay tӕLÿDJLiWUӏ hӧSÿӗQJPXDEiQĈӕi vӟL[k\ dӵng sӱa chӳD QKj ӣ ;iF ÿӏnh theo nhu cҫu vӕn, khҧ Qăng trҧ nӧ cӫD NKiFK KjQJYjJLiWUӏ 76Ĉ%7URQJÿyYD\WӕLÿDOjWәng nhu cҫu vӕQYjNK{QJ YѭӧWTXiWӹ lӋ cho vay so vӟLJLiWUӏ 76Ĉ%GR93%DQNTX\ÿӏnh
/mLVXҩWFKRYD\iSGөQJOmLVXҩt thӓa thuұQNK{QJWKҩSKѫQOmLVXҩt FKRYD\WLrXGQJFӫa VPBank hiӋQKjQK
3KѭѫQJWKӭc cho vay: Cho vay tӯng lҫn hoһc cho vay trҧ JySKRһc cho vay theo dӵ iQ ÿҫX Wѭ%ҧR ÿҧm tiӅQ YD\ 'QJ FKtQK FăQ QKj PXDTX\Ӆn sӱ dөQJÿҩt ӣ OjP76Ĉ%FKRNKRҧn vay.
2.2.2.4. &KRYD\WK{QJTXDQJKL͏p vͭ SKiWKjQKWK̓ WtQGͭng
ĈӕLWѭӧQJiSGөQJ.KiFKKjQJOjF{QJGkQ9LӋt Nam, ngӡLQѭӟFQJRjL Fѭ WU~ Wҥi ViӋt Nam. ĈLӅu kiӋn vay vӕQ .KiFK KjQJ Vӣ hӳu thҿ WtQ Gөng do 93%DQNSKiWKjQK
+ Thӡi hҥn cho vay tӕLÿDWKiQJ0ӭc cho vay tӕLÿDKҥn mӭc chi WLrXWUrQWKҿ. Hҥn mӭc chi WLrXWӕLÿDOjWULӋXÿӗQJÿӕi vӟi thҿ Platium, 300 triӋX ÿӗQJ ÿӕi vӟi thҿ YjQJ WULӋX ÿӗQJ ÿӕi vӟi thҿ chuҭQ Yj NK{QJ TXD triӋXÿӗQJÿӕi vӟi thҿ WtQGөng nӝLÿӏa.
/mLVXҩt cho vay: Cӕ ÿӏnh hoһc thҧ nәi. 3KѭѫQJWKӭc cho vay thҩu chi. 3KѭѫQJWKӭc trҧ nӧ: MӭFWKDQKWRiQWӕi thiӇXKjQJWKiQJOLQKKRҥt tӯ ÿӃn 100% sӕ tiӅQÿmFKLWLrXWUrQWKҿ. BҧRÿҧm tiӅQYD\.êTXӻ bҵng tiӅn mһt, sә tiӃt kiӋm hoһc giҩy tӡ FyJLiGR93%DQNSKiWKjQK
2.2.2.5. Cho vay du h͕c.
ĈӕLWѭӧQJiSGөQJ&iQKkQFyQKX cҫu vay vӕQÿӇ trang trҧLFKLSKtGX hӑF QѭӟF QJRjL Jӗm hӑF SKtVLQK KRҥW SKt Yj FiF FKL SKt FӫD NKyD Kӑc do tә chӭFÿjRWҥRWK{QJEiRWLӅQYpPi\ED\FKӭQJPLQKWjLFKtQK[LQFҩp hoһc gia hҥn VISA. ĈLӅu kiӋn vay vӕn:
+ .KiFK KjQJ SKҧL Fy TXDQ KӋ QKkQ WKkQ YӟL QJѭӡL ÿL GX KӑF Qѭӟc QJRjLFyYӕn tӵ FyWKDPJLDWӕi thiӇXFKLSKtKӑFFyQJXӗQWKXYjSKѭѫQJ iQYD\± trҧ nӧ ÿҧm bҧo khҧ QăQJWUҧ nӧ gӕFOmLSKtWURQJWKӡi hҥn cam kӃt.
+ Thӡi hҥn cho vay: TӕLÿDEҵng thӡi gian cӫDNKyDKӑFQăP0ӭc cho vay tӕLÿDÿӕi vӟLFKLSKtGXKӑFYjÿӕi vӟi nhu cҫu chӭng minh WjLFKtQK
+ /mL VXҩt cho vay thӓa thuұQ ÿLӅu chӍQK ÿӏnh kǤ trong thӡi hҥn vay. 3KѭѫQJWKӭc cho vay tӯng lҫn. BҧRÿҧm tiӅn vay: Sә/ thҿ tiӃt kiӋm/ giҩy tӡ Fy JLiKRһc bҩWÿӝng sҧn thuӝc sӣ hӳu hӧSSKiSFӫDNKiFKKjQJ
2.2.3. K͇t qu̫ ho̩Wÿ͡ng FKRYD\NKiFKKjQJFiQKkQ
2.2.3.1. Doanh s͙ FKRYD\NKiFKKjQJFiQKkQ
&KRYD\NKiFKKjQJFiQKkQOjPӝt trong nhӳng hoҥWÿӝng kinh doanh chӫ yӃu cӫD93%DQNFKLQKiQK3K~7Kӑ, vӯa trӵc tiӃp cung cҩp vӕQOѭXÿӝng cho nӅn kinh tӃ, vӯa mang lҥi thu nhұSWKѭӡQJ[X\rQFKRQJkQKjQJ7uQKKuQK doanh sӕ cho vay KHCN tҥL93%DQNFKLQKiQK3K~7Kӑ JLDLÿRҥn 2017-2019 ÿѭӧc thӇ hiӋn qua bҧng sau:
Bҧng 2.3: Doanh sӕ FKRYD\NKiFKKjQJFiQKkQ tҥi VPBank 3K~7Kӑ JLDLÿRҥn 2017 - 2019
Ĉ˯QY͓7ͽÿ͛QJ
ChӍ WLrX
1ăP 1ăP 1ăP &KrQKOӋch
2018/2017 2019/2018 Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn (%) Sӕ tiӅn (%) DS cho vay KHCN 735 100 1.107 100 1.493 100 372 150,61 386 134,84
,3KkQORҥi theo thӡi hҥn
1.Ngҳn hҥn 305 41,50 480 43,36 660 44,21 175 157,37 180 137,50 2.Trung YjGjL hҥn 430 58,50 627 56,64 833 55,79 197 145,81 206 132,85 ,,3KkQORҥLWKHRSKѭѫQJWKӭc vay 1.Tӯng lҫn 606 82,44 893 80,67 1.232 82,52 287 147,35 286 139,66 2.Hҥn mӭc 129 17,56 214 19,33 261 17,48 85 165,89 47 121,97
,,,3KkQORҥi tKHRKuQKWKӭFÿҧm bҧo
&y 76Ĉ% 698 94,96 1.066 96,30 1.419 95,04 368 152,72 353 133,11 .K{QJ 76Ĉ% 37 5,04 41 3,7 74 4,96 4 110,81 33 180,48 ,,,3KkQORҥi theo mөFÿtFKVӱ dөng vӕn 1.Cho vay KD 380 51,7 739 66,75 998 66,85 359 194,47 259 135,04 2.Vay TD 355 48,30 368 33,25 495 33,15 15 113,66 127 134,51
(Ngu͛Q%iRFiRk͇t qu̫ +Ĉ.'Fͯa VPbank 3K~7K͕QăP2017 - 2019)
Qua bҧng sӕ liӋu 2.3 ta thҩyQăPWăQJWӹ ÿӗng, ӭng vӟi 50,61% so vӟLQăP1JX\rQQKkQFӫa sӵ WăQJWUѭӣng mҥnh mӁ OjGRQKXFҫu vӕn ÿӇ sҧn xuҩWNLQKGRDQKFNJQJQKѭWLrXGQJQJj\FjQJPҥnh mӁ. NӅn kinh tӃ әn
ÿӏQKÿmJL~SFKRQJѭӡLGkQ \rQWkP FNJQJPҥnh dҥQKѫQWURQJKRҥWÿӝng sҧn xuҩW NLQK GRDQK SKiW WULӇn kinh tӃ 7KHR ÿy FiF QKX FҫX WLrX GQJ FNJQJ WăQJ mҥnh mӁ. %rQFҥQKÿyQJkQKjQJFNJQJQJj\FjQJTXDQWkPÿӃQÿӕLWѭӧng vay vӕQOj NKiFKKjQJFiQKkQ 1KѭQJVDQJÿӃQQăPdoanh sӕ cho vay KHCN WăQJFKұm ӣ mӭc 34,84 % so vӟLQăP1JX\rQQKkQGRWURQJJLDLÿRҥn Qj\QӅQQJkQKjQJFKѭDTXDQWkPÿӃn hoҥWÿӝQJ0DUNHWLQJF{QJWiFWuPNLӃm NKiFK KjQJ FNJQJ QKѭ TXҧQJ Ei FiF Vҧn phҭm cӫD QJkQ KjQJ FKѭD ÿѭӧF FK~ trӑng, ErQ FҥQK ÿy GDQK Pөc sҧn phҭP FKR YD\ FzQ QKLӅu hҥn chӃ FKѭD ÿiS ӭQJÿҫ\ÿӫ nhu cҫu cӫDNKiFKKjQJFiQEӝ quan hӋ NKiFKKjQJFKѭDOLQKKRҥt trong viӋc giҧi quyӃWFiF\rXFҫu xin vay cӫDNKiFKKjQJ
- 3KkQOR̩i theo thͥi h̩n kho̫n vay
1JkQKjQJ93%DQNFKLQKiQK3K~7Kӑ thӵc hiӋn cho vay KHCN vӟLFiF kǤ hҥQ NKiF QKDX ÿӇ ÿiS ӭng theo nhu cҫX NKiFK KjQJ4XDEҧng sӕ liӋu cho thҩy tӹ trӑQJFKRYD\NKiFKKjQJFiQKkQGjLKҥn chӍ FDRKѫQPӝWFK~WVRYӟi FKRYD\NKiFKKjQJFiQKkQQJҳn hҥn. Cө thӇ, tӹ trӑQJFKRYD\WUXQJYjGjLKҥn YjFKo vay ngҳn hҥn qua tӯQJQăPOҫQOѭӧWOjQăPYjQăP OjYjQăPOjYj ĈLӅXQj\FKRWKҩy WURQJQăPTXDFKLQKiQKTXDQWkPFKRYD\ÿӕi vӟLFiFNKRҧn vay phөc vө WLrX GQJYjFiFNKRҧn vay bә sung vӕn lѭXÿӝQJFKRFiFKӝ sҧn xuҩt kinh doanh. - 3KkQOR̩i theo SK˱˯QJWKͱc cho vay
Doanh sӕ cho vay tӯng lҫm chiӃm tӹ trӑng chӫ yӃu trӑng doanh sӕ vay NKiFKKjQJFiQKkQ&ө thӇQăPFKLӃPÿӃQQăPWӹ trӑng Qj\ Oj QăP Oj 1JX\rQ QKkQ Oj GRNKiFKKjQJFiQKkQ YD\ WLrX GQJ WKu NK{QJ YD\ WKѭӡQJ [X\rQ NKiFK KjQJ Fi QKkQ YD\ Vҧn xuҩt NLQKGRDQKWKuNK{QJFyQKLӅXNKiFKKjQJÿҧm bҧRFiFÿLӅu kiӋQÿӇ FyWKӇ thӵc hiӋn cho vay theo hҥn mӭc.
- 3KkQOR̩i theo KuQKWKͱFÿ̫m b̫o
HiӋn QD\NKiFKKjQJYD\Yӕn tҥLFKLQKiQKÿDVӕ phҧLFyWjLVҧQÿҧm bҧo ÿӇ thӃ chҩp, chӍ FytWNKiFKKjQJFyX\WtQFDRÿѭӧFQJkQKjQJFKRYD\GӵDWUrQ
X\WtQPjNKiFKKjQJÿyNK{QJFҫQWjLVҧn thӃ chҩp. Doanh sӕ FKRYD\FyWjL sҧQÿҧm bҧo chiӃm 90% tәng doanh sӕ cho vay KHCN, cho thҩy hoҥt ÿӝng cho vay cӫDQJkQKjQJUҩt khҳt khe vӅ viӋF\rXFҫXNKiFKKjQJFyWjLVҧQÿҧm bҧo. 1JkQKjQJ[HP[pWNӻ Oѭӥng trong viӋFFKRYD\PjNK{QJFyWjLVҧQÿҧm bҧo. Doanh sӕ FKRYD\WKHRKuQKWKӭFÿҧm bҧRÿmÿѭӧc thӇ hiӋQWUrQbҧQJWUrQ&KR YD\Fy76Ĉ%FKLӃm tӹ trӑng rҩWFDRQăPFKLӃPQăPFKLӃm QăPFKLӃm 95,04% cho thҩ\QJkQKjQJUҩt cҭn trӑng trong hoҥt ÿӝng cho vay.
- 3KkQOR̩i theo mͭFÿtFKV͵ dͭng
Qua bҧng sӕ liӋu cho thҩy tӹ trӑng cho vay NLQKGRDQKFDRKѫQFKRYD\ WLrX GQJ Yj FKLӃm tӯ 51,7% trӣ OrQ WURQJ Wәng doanh sӕ cho vay KHCN Yj ÿDQJFy[XKѭӟQJWăQJWUѭӣQJÿӅXQJѭӧc lҥi tӹ trӑQJFKRYD\WLrXGQJJLҧm mҥnh. 1JX\rQ QKkQ Oj GR QJkQ KjQJ Fy [X Kѭӟng chuyӇn sang cho vay kinh GRDQKYuhoҥWÿӝng Qj\UӫLURtWKѫQFKR YD\WLrXGQJ
2.2.3.2. Doanh s͙ thu nͫ NKiFKKjQJFiQKkQ
&QJYӟi doanh sӕ FKRYD\WKuGRDQKVӕ thu nӧ FNJQJOjPӝt vҩQÿӅ Pj QJkQKjQJÿһc biӋWTXDQWkP. Thu hӗi nӧ kӏp thӡLYjÿҫ\ÿӫ sӁ OjPFKRÿӗng vӕn cӫDQJkQKjQJÿHP ÿLÿҫXWѭNK{QJEӏ chiӃm dөQJYjTXD\YzQJWKHRÿ~QJ chu kǤ cӫDQy;iFÿӏQKF{QJWiFWKXKӗi nӧ OjQKLӋm vө quan trӑQJQrQWURQJ thӡLJLDQTXD93%DQNFKLQKiQK3K~7Kӑ NK{QJQJӯQJÿҭy mҥQKF{QJWiFWKX hӗi nӧFRLÿyOjKRҥWÿӝng sӕQJFzQFӫDFKLQKiQK &{QJWiFWKXKӗi nӧ trong JLDLÿRҥn 2017 - 2019 ÿѭӧc thӇ hiӋn qua bҧng sau:
Bҧng 2.4: Doanh sӕ thu nӧ NKiFKKjQJFiQKkQWҥi 93%DQN3K~7Kӑ JLDLÿRҥn 2017 - 2019
Ĉ˯QY͓7ͽÿ͛QJ
ChӍ WLrX
1ăP 1ăP 1ăP
&KrQKOӋch 2018/2017 2019/2018 Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn (%) Sӕ tiӅn (%) DS thu nӧ KHCN 624 100 971 100 1.169 100 347 155,61 198 120,4
I.3KkQORҥi theo thӡi hҥn
1.Ngҳn hҥn 250 40,07 391 40,27 499 42,69 141 156,4 108 127,62 2.Trung YjGjL hҥn 374 59,93 580 59,73 670 57,31 206 155,08 90 115,51
II.3KkQORҥi theo mөFÿtFKvay vӕn
1.Thu tӯ SXKD 360 57,69 619 63,74 808 69,12 259 171,94 189 130,53 2.Thu tӯ WLrX GQJ 264 42,31 352 36,26 361 30,88 88 133,33 9 102,55
(Ngu͛Q%iRFiRk͇t qu̫ +Ĉ.' cͯa VPbank 3K~7K͕, QăP2017 - 2019)
Doanh sӕ thu nӧ KHCN cӫD93%DQNFKLQKiQK3K~7Kӑ WURQJJLDLÿRҥn Qj\biӃQÿӝng TXDFiFQăP Cө thӇ QăPÿҥt 155,61% so vӟLQăP QăPÿҥt 120,4% so vӟLQăP Qua ÿyFKRWKҩy doanh sӕ thu nӧ Fy[X KѭӟQJ WăQJ FKұm QJX\rQ QKkQ QăP QӅn kinh tӃ gһp nhiӅu nhiӅu biӃn ÿӝQJÿӗng thӡi nhiӅXNKiFKKjQJFKѭDFyWKLӋQFKtWUҧ nӧ hoһFOj hӑ muӕn giӳ vӕQÿӇ mӣ rӝng sҧn xuҩWNLQKGRDQKFKtQKYuYұy doanh sӕ thu nӧ bӏ hҥn chӃ.
CiFNKRҧn thu ngҳn hҥQYjGjLKҥn qua tӯQJQăPÿӅXWăQJ7X\QKLrQÿӃn QăP[XKѭӟQJWăQJFKұm lҥi. 1JX\rQQKkQWURQJJLDLÿRҥQQj\QӅn kinh tӃ gһp nhiӅXNKyNKăQҧQKKѭӣQJÿӃn NKiFKKjQJVӱ dөng vӕQYD\NpPKRҥWÿӝng NLQKGRDQKNK{QJKLӋu quҧNK{QJFyQJXӗQWKXQrQҧQKKѭӣQJÿӃn hoҥWÿӝng thu nӧ cӫa cӫD QJkQ KjQJ 0һW NKiF Pӝt sӕ NKiFK KjQJ WKLӃu thiӋQ FKt WURQJ viӋc trҧ nӧ ҧQKKѭӣQJÿӃn hoҥWÿӝng thu nӧ cӫDQJkQKjQJ
- PhkQOR̩i theo mͭFÿtFKYD\Y͙n
Doanh sӕ thu nӧ cho vay sҧn xuҩWNLQKGRDQKYjFKRYD\WLrXGQJÿӅXFy [XKѭӟQJWăQJOrQTXDWӯQJQăP7X\QKLrQWӕFÿӝ WăQJFӫa cho vay sҧn xuҩt NLQKGRDQKYjFKRYD\WLrXGQJFy[XKѭӟng chұm lҥL7URQJÿyÿһc biӋt cho YD\WLrXGQJFKұm lҥi hҷQQăPVRYӟLQăPFKӍ WăQJ1JX\rQ QKkQOjGRFiFNKRҧQFKRYD\WLrXGQJQJXӗn trҧ nӧ chӍ OjWKXQKұp cӫDNKiFK KjQJQrQPӝt sӕ NKiFKKjQJFyWKXQKұSNK{QJәQÿӏnh dӉ FyQJX\FѫPҩt khҧ QăQJWUҧ nӧ
2.2.3.3'˱Qͫ cho vay KHCN
ĈӇ tiӃQKjQKÿѭӧFFiFQJKLӋp vө FѫEҧQQJkQKjQJSKҧLKX\ÿӝng vӕn, WX\QKLrQYҩQÿӅ sӱ dөng vӕn mӟLOjNKkXFXӕLFQJTX\ӃWÿӏnh hiӋu quҧ cӫa hoҥWÿӝng kinh doanh cӫDQJkQKjQJTXDÿyWK~Fÿҭy hoҥWÿӝQJKX\ÿӝng vӕn ÿҥt hiӋu quҧ9jGѭQӧ cKRYD\OjNӃt quҧ cӫDTXiWUuQKWăQJWUѭӣQJWtQGөng, cho thҩ\TX\P{YӅ hoҥWÿӝQJWtQGөQJQJkQKjQJSKҧQiQKÿҫ\ÿӫFKtQK[iF Oѭӧng vӕQÿҫXWѭSKiWWULӇn kinh tӃ PjQJkQKjQJWKӵc hiӋn trong thӡLÿLӇP[pW
'ѭQӧ OjFKӍ WLrXÿiQKJLiYӅ cҧ doanh sӕ cho YD\YjKLӋu quҧ hoҥWÿӝng kinh doanh cӫDQJkQKjQJ1yOLrQTXDQÿӃn nhiӅu chӍ WLrXYjQKLӅXNKtDFҥnh NKiFQKDXWURQJTXiWUuQKNLQKGRDQKĈӇ hiӇXU}KѫQYҩQÿӅ Qj\FK~QJWDFQJ TXDQViWYjSKkQWtFKEҧng sӕ liӋu sau:
Bҧng 2.5'ѭQӧ cho vay NKiFKKjQJFiQKkQWKHRPөFÿtFKVӱ dөng vӕn tҥi VPBank 3K~7Kӑ JLDLÿRҥn 2017 ± 2019
Ĉ˯QY͓: Tͽ ÿ͛ng
ChӍ WLrX
1ăP 1ăP 1ăP
&KrQKOӋch 2018/2017 2019/2018 Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) Sӕ tiӅn Tӹ trӑng (%) 'ѭQӧ ÿӕi vӟi KH 532 100 668 100 992 100 136 125,56 324 148,5 Cho vay KD 177,3 33,33 233,8 35,0 343,05 34,59 56,5 131,86 109,25 146,72 Cho vay PXD[k\ sӱa chӳa QKj 133 25,0 200,4 30,0 320,30 32,30 67,4 150,67 119,9 159,83 Cho vay PXD{W{ 116 21,80 133,6 20,0 188,5 19,0 17,6 115,17 54,9 141,09 Cho vay qua thҿ WtQGөng 85,7 16,11 76,8 11,5 110 11,08 (8,9) 89,61 33,2 143,29 Cho vay du hӑc 20 3,76 23,4 3,5 30,15 3,03 3,4 117 6,75 128,84
(Ngu͛Q%iRFiRN͇t qu̫ +Ĉ.'Fͯa 93%DQN3K~7K͕QăP2017 - 2019)
Qua bҧng sӕ liӋu 2.5 cho thҩ\GѭQӧ .+&1SKkQWKHRPөFÿtFKVӱ dөng vӕQYD\TXDEDQăPFӫDFKLQKiQKWăQJÿӅXTXDFiFQăPFKӫ yӃu tұp trung cho YD\NLQKGRDQKYjFKRYD\PXDVӱa chӳDQKjFӱDVDXÿyÿӃQFKRYD\PXD{W{ YjFKRYD\TXDWKҿ WtQGөng. Cho vay du hӑFÿDQJFKLӃm tӹ lӋ NKiWKҩp.
Cho vay kinh doanh chiӃm tӹ trӑng lӟn nhҩW WUrQ WәQJ Gѭ Qӧ cho vay .+&1QăPÿҥt 177,3 tӹ ÿӗng chiӃm 33,33 % trong tәQJGѭQӧ cho vay KHCN. 1ăPYjQăPORҥLKuQKFKRYD\Qj\NK{QJQJӯQJWăQJQKDQK ÿҥt 233,8 tӹ ÿӗQJ Yj 343,05 tӹ ÿӗng (2019). NӅn kinh tӃ ÿDQJ WUrQ ÿj WăQJWUѭӣQJGRÿy1KjQѭӟFÿmFyQKLӅXFKtQKViFKNtFKWKtFKÿҫXWѭYuWKӃ cho YD\NLQKGRDQKOjQJKLӋp vө NK{QJWKӇ thiӃu trong hoҥWÿӝng mӛLQJkQKjQJQyL