2.3.2.1v6tr huyiions bing tidn giri
> HUJ d9n! vun tronq \a nrroJr diJ bd
Bdng 2: b.)hgtiih eri cna kh.ich hans hie fi neaai dla bA,
Dan \i ttnh l000.AA0J;ng Ch, ridu 2007 2 0 0 8 2 0 0 9 2008 - 2007 2009 - 2008 S 6 tian ri je s6 ri te TG 1 2 7 9 0 l i 9 . 1 0 r 5 0 2 1 , 1 8 6 0 3 0 9 1 , 3 26% TG 5 7lJ2 4 424 4 1 1 2 1 1 5 8 2 J , j 0 ; . ) . - 0 , 0 5 ' i T6ng TC l 8 5 7 2 1 6 1 5 4 19 443 -22t4 3089 18,9% 28
Tdng TienGrli12000000 12000000 2000000 'lG Ngoai N e m 2 0 0 7 Nam 2008 Nam 2009 t5021300 1279@00 11930000 22000
Quabangs6lieu vd bi6u d6 cho thAy v6n huy ddng cna kh6chhAng v,io ndm2007lA l8 572lrifu ddng DdycinsldmOt s6 v6n huy done tu@g d6i ldn Do daibiLn chithuoc dia bdn xl. Da phan dei cudidu km nghd iors nhng vALo nrn ndy sia lUa gao d! len oon s6l nCn nguoi den mdi c6 not s6 vdn gui ti6t kiem Hon nna QTD nhen d6n xA vinh kim iu6n tich cuc rim moiciich d€ duy Eiva siatdng nguOn v6n nendathwhifn lhiduchinh sdch !dbiOnphdpdaihu htrkh6ch hdng gni tian vio QTD n€n ndm 2007 v6n huy.long TG cia khdch hdns lrong.lia bnn h
l2 790 trieu d6ngchidm { tl{)ng 69% so vdi Khiich hdng ngoai.lia bdr lii 5782 chiem 3l%ntn tong ns!6n v6n huy ddng ona ndn 2007.
ViLo nin 2008 t6ng v6n huy ding ld l6 354 rieu ddng dt siAm -2 218 trieu d6ng tw h giim - I1,9% so vdi nrfr 2007 ren tdng ngudn v6n huy d6nS Ddivdi khdch hdng trorg did ben $ingudn liln hoydins lii ll 930 trieu ddng chidm 73%, dagiam6,7%so voicnngkt ndn 2007. Cdn di5i vdi kh6ch hang ngoii dia bAn fii v6! huy doDs 14,1424 tdeu d6rc, de gidm - 21,4% toc d0 sir:m ninh day clng td not di€u bAt lqivi ngu6n vin huy dOng de gidh nhuns day cnng chi ld nhrng khiich hdng ngo,)Li dia bli! nen cnng khdng ,lnh huhg ldn d€n t6c d0 idng truong cna Qny tin dung v,i n6 chi€m t' trong 27% tr€n t6ng nsu6n vdn huy dong cna ndm 2007 D6ivoikhdch hdng trong daibin rhi khrch hdns ngonidiacd s6 vi5n huy dong thap hm do khdch hrlne ngodi dia bdn it duoc quan tam N€n t le ch€nh lech sina trong vd ngoiii dia bnn c6 su khdc biet khii ltu
CU lhe hon !:io nirn 2009 do ngtri'idanr dt dep cen dudc n€n kinh G mOI r J 6 , n o h i n n k , n h r ; r n rd n r I n d . a n E d d o d o n - d , o a r n i r d u sia.o,ror.o \ 6 n nhan ti rin su' i; l'am Vdo dei diin, "y nsd, mu" vu nen Tiin gn: c.la knijlh hane tdng vuql bac. Neudn v6n hly dOne cia khdch bAnB nin 2009li 19 443 f.iCu d6ng chiim 35%1renl6ngv6dhuy d6ng lian gni ting hd 2 ninltudcli3 089 bieu ddng tnc la ung 18.9% so vLtinrn 2008 chi6n 34% d6i ldi vitn rian gi'icna fim. cdn nin ?007 D ling bd 871 rrieu d6ng clriam 30%. Khdch hnng tong dia
b a " L t n g \ u d h a c L L r h c . d \n n h l j d n i e r . n e r r . d l ) 0 2 l . l n i i d d o n e c h i i m
77% so ldi tdne neudn v6n huy d6ng ngodidi. bd.
Tang nguon ron ndr dong c,l- .dm !o r! l(,udg dJht biig nn.u. nnn6 , 1 6 j n d m . d . r c b u j a i b i , l k h " c n h a u n i u n s o n a m - r - r u o r h i r 6 c d o !" n B . a o h m d o n g u o i d . ; n d a . h u v a n d a i c o . a J k : n h . e p h i , h q p . | ; r B n g u ; n v ; n 2 0 u ' le 18.s?2 chiam 34% tan rdn8ngu6n viin huy d6ns c,ra ba nem, nam 2008 re 16.354
( t u ; m 1 0 " 0 d . Sdm o""'r ! Jr nrrn )OO- \;n nrT )00o \in \Ly ding l; 10.443 Chi6m 36% lrcn tdng neuiD v6n hDy dOns.ia !i'!.
> Hry.tong tan giic6 ki h?n Ti I thnnsd6tr 6 thing
BAng J Bong tiin Ait hr t - 6 thanE
Dh i tinh: laaa 00a diing
Chi tiiu 2007 2008 2 0 0 9 2008 - 2007 2009 - 2008 S 6 Tiri% S 6 ri lc TG rir 1,3 th6ng I 8 l l 1 997 l r 9 1 6 t 0 8 , 7 0 6I 9 1 9 TC tilr 3-6 th6ng 2 954 2 500 ) 68t - 1 5 . 4 % 1 8 9
Tone TG 6 785 t0 491 l4 6.Is l 7 l 2 54,1?'.o 4 t 2 8 39)%
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X@ kia dia bdn xa vinh Kim da ph,in Um nghd n6ns nhms ra sau cd cAu kinh 6 da $ay d6ichuydn sang nuiiir6n nen c6 cu6c sing diy di hsn. Vn da tiat kion duqc mOr s6 v6n nhdn r6ignivdo 1in dung. Vdinhrng nnd gan day r6ns lan
gn cua bc nan lc I I o07 lniu dong nhme hu) done ,on ri;n 6( Ldo cac ndT ldl tdngdiD,cu tha vdo ndn200? v6nhuyd6ng ld 6 ?85 rri€u ddng, nln200E ld
1 0 4 9 ? t l i e u d d n g c h i d n r y r o n g 5 4 , ? % l A L l i 1 n g 4 l 6 6 l d € u d d n g l r : r c l d t l n g I 08,7% so vdi cnng k' ndn 200? t6c dO uns khd lon, vno nlm 2009 v6n huy dOng ld 14 625 rri€u ildng iing 39% so vdindm 2008 cu rhd liL rlng4l28 tieu ddng vdi t6c dO Gng v6n rian gninhu th6 Ui Ql D nhen dan xe vinh Kin ncn d{c n nhnng mucleu va phu6g hudng phetfian d6 c6 thd huy dong v6n nhu trnS mnc ldi su6t, dac n nhidu w dai cho khAch hdne kJri grii thudrg xuyen vd c6 neudn tiAn gti tidt kiem ldn da thu hut khdch hdng.
Cu thd ldo ndm 200? l6ng tidn grl' tu I ' 6 thdng b 6 785 triCu ddng chiiim 2 I % so vdi nim 2008. Dey D tidn gni nSrn han nen rAt dA ding cho knnch hnng ndu gu, ldn vdnitnkhican thidt mu6n nit !6n. Vdo kihan tu I 31hing r,Ongtian grii la3 831 lrieu.ldng chi€m ti trong 56% so vdit6ng ti,iin guicira ndn 2007 Nam 2008 v6n huydong lian gnj ki 7 99? Fieu ding chi6m ti trcng 76% tren t6ngtidn gui cia ndn ting 4 I 66 tj ddng twng dwng ting 108.7% tnng r€n I 00% so vdi
cnng kv nam 200?, vdir6c d6 gia Gng nhu vay nen dat ra nhnng phddg hu6ng d i u ru k i n l d o d n h r l n , h h ' 4 d e ! o r h c C i ; i n s d i \ ; , , E n fii di thJ lci 1'ir Jto nhAt. vro nlm 2009 vdi lian sni liL ll 936li dinc chidm 82% liCn line v6n dan eni. vdo ba nin 2007,2008.2009 nhhg d.Im 2009 v6n dan gniilng din d cdc ndn nlung lrng trueg nhanh nhal ld vdo ntm 2009 da ling 49% so vdicic nam do ngudi daD ddu u c6 hi€u qui nen v6n lian sni 1,ne hd cdc nam tu6c Tian gti ki bdn 3 - 61hdns vao ndm 2007I,i I 954 1i dins chi6m 44% so vdl t6ns v6n dcn gni n J I - I d d n g c d a n d m S n \ 6 r f; m 2 o t r th r d a g a m - l A " " . o \o i L i a n g n i \ j h a n l - 3 r.t6ng r6c dO v6d ran gti sianr liL do ki ban qud lau thi khach hiLng lh6ng chn done dultc n-qudn v6n n6u khdch hds mu6n.nL v6n vi rft rtdc h?n chi duqc hu@s \to 16, sraL kndne Li hdn 0.0 jd L G m;r ha 0.o-"" n:L Culr;o Iq han rin 3 thAng.
gfi c6 kih{n ti.6.li:n 12lhdng
> Bing Huy.lOng tian RdnB l: Bt)netiin gni d 6 -
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Tu bdg s6li€u tren ta co the d,Ay dmc ldng sd v6n huy d6ng rn khech hdns rai QTD giam dan qua cic nlm Cuthd n5m200? thu nhap cta ngudi den $ng cao dotrong ndn ndy ngwiddn liLm In c6 hieu qud, nsodiliec trang traichi tieu trong
g i l d r n h h o c o n r i c h l i ) d u o , m v k h o d n s . r i n n h c n 1 6 r r u m g d 6 , l ( h v a J o c d n s L s c tuy€n iruy€n van dong bdL con tong vd lgodiilia bnn $ay 16 loi ich cna viec giiiti6t
kiCm tai QTD nen nhiau hij diin dd xcn QTD vrnh Kim l,i noi ddng rin cey dd ha srii ii6r kiCn lai day d€ hiLng thdng lai cO id rhu vd mft khoing bi tidt kiem g6p phan ldlg thu nhap cho gja dinh Do dO md ndn 2007 t6rg tien srii qi QTD dat 6.005 trieu d6n8 so vdi ca ndm Trons.16 s6 huy dOng ti€n Aii k' han tu 06 theng .t6n 09 thang B 2.264 irieu ddngchi6h 38%g trons dns lian sri'. Vd s6 huy ddnS tian gii tt 09 d6n 12lhdsg Id 3.741 tdeu dans chdm 62% t6ns ndn eti. Trong ntm 200? s6 huy dong fi6n gti d hai m6c rhsi hltn dau rdt 16r chuns ld hoat dong huy d6ng v6n cna QTD iAi hieu qlrd rong ndm ndy
Trcng kni d6 dnh hinh huy dOns v6n n m6c thoi ha! tn 06 d6n t2 i.hdng lai giam mol cich rd ret rons ntn 2006 Trong nan ndy giia hai n6c ki han lai oj su chenh lech .:t ldm vd s6 huy dong cnng nhu li rrang. Cu rhd s6 huy d6'g t,jn gid tn 06 L\iing den 09 thdng chi dar I 08 t.ieu d6ng. chi€m 8% ry t.ang cd ntm. Trong khi d6 s6 huy.ling tidn grii tn 09 rhiing d6n 12 DAig lai dat dan 1.322 hiOu ddne,
chi6m 92% ti lrong ca nam. Do ndm 2008 ld ndin b;r diu linnne hoAng kinh t6 l.i chinh toin;u tung d6 cb viel Nan vi chinh diiu dd cnns da hn anh htrog d6n rinh hinh huydonsvijn biQTD do ngdidan co tam li c ncailinh binn kinh ta bir o n s d k c o rh ( o \q r l . J d A i \i m ; r d - ; ; s r " r . . r o n g o a m 2 0 0 8 ,i n g n g u i n rd r h u ) d J n g u r h o r h a n .u 0 o h c n g d i l 2 r "nE g dm 4.{-5 lrieu d;nB so'di nam 200?. Dieu nay cnng D mnl kld khin vA ft6ch thtc ldm cho bad lanh dao QTD ironsviictinngi iphipfiichhqp dd dua doanh s6huy tt6ng ntl linglen.
Tu@g tu nr,n 2008 rinh hinh huy d6ng !6n o m6c thi'i han ln 06 ft5ng d6n l 2 $ d n g ld i r i a p r L c s i t T \ o r . i n i n ' , ' 0 0 8 . , . , h ; r ; n g '6 h u ) d o n g 2 0 0 e . h d a t ' o b , l riiL donc. D o u a p . , . , i L "rl,l,ua'1.i.lhunf ho;ne linh ri bAn cdnh d o e i d c ; d d u r c o c i , . d . n g u ) a n \ : r l i i - p l ' u . ' u . " n \ . d k : n h d o a n h v ; g E ' a d ; J r d L L l a c ; c i n p h ; m n o n s n s h i p d r h i n n . r n i l ^ J n J J n p n a n r i n n h i n n . e n rLi. ( , 1 h , 1 o a 1 1 . .
" b ; . o o 8-p nh:cu ro ner \; d lu dn d; ld .ho .o riin nnM ^;; r&ng nhan dan gi,in ditu d6 dan d6n iinh hinh huy dong v6n cna QTD cnngeirn thco. Cu thd sij huy d6ng lian gLii rn 06lhdng d6n 12 thang chi cdn 12.500 f icu, c r ' i i T 1 0 " r j I n n ! ' " - i | ; n cr, Llcnclnhdo 6 hul done rian su, ru oe din 12 r h d i g l a ) 8 1 . 8 r d , u a ; n r . h a m o - , I ; . " I r ' r , \ t ; n e n g u 6 n \ 6 n h u ) d ^ n g o - ; ! r h o i h - n n ; ) n , m ' 0 n o lJ i p i i r | 0 r r . - I r : L - u , f . o v o i 1 r m 2 0 0 8 . C h o f i ; ) d r d c h , e u q u r r , o n g h u ) d o n e f o n . u d O I n , , . " r u n u , \ r n g d c n l2 I n " o g l ; ; r J ; r g l o n g " i . D o o o c ; n o h d i . i i o r . , d ; ) r a i \ , n - e r n r u l e n t u y ; n . q u ; n g b i i n l , n s 1 i . . r h J . h L ) J o n g . . , i O l D d i n e . b ; ( d i n l d i . r d u n c ru . j ; , u i l i n n h o 4 r p \ u ' q p \ n i , a r h i r t r 'a r . i , , : J . m b " o J u o ! lo : n h u ; n . d . n \ ; r c h o b ; c o n n h u n g p h i i d e m b d o Q T D k i n h d o a n h c 6 l i i . I r I h r n h \ u y a ; r t \ i n o . r ! ; , j . r . L . i i . n h " n e n o a \ h u @ g ; l 1 6 di:n tnrh hinh hoat ding kinn doanh c,la QTD. Qua 3 n,m huy dins bang ian sti cho lh-y nguai d;n rrone d' , bdn d; b ir \lr)c,' dc .o . JU Jm re di l;m 8i;u cho x : ! . \ u y e n a J u - \ d u o " n [ . o l i e ' \ " o i i , d o o . a . n 'm d : ' td , I J a n r ; I i n 8 , ] i ri e r kitm dono c6du( n6r s6v6n nhlnr;irong laymd chua cAn dtu tu kinh doanh.
2.L23 v6n huy dong ft trung rdng vn nguin v6n kh{c Bing 5: Bing huy d6ng $n d Tlll
Dnri tthh: 1000 0a0 d6k8 C h l t i e u 2007 2008 2 0 0 9 So sdrh nlm 2008 - 2007 So srn}t 2009 - 2008ntun s6 rt l0 5 6 l i € nri lc % 868 l 0 l 6 | 6 1 5 1 4 8 t 7 % 6 1 9 6 t % c f r N H 250 1 ) 5 506 465 186% -209 -29,2yo
bangDteu, DohE D'eu krraongws M t ||
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Qua bang s6 lieu vd biau d6 cho thiy tinh hinh huy dong tu trung uqng cnng twng d6i kha cao vd tang dan ngudn !6n lCn lrcng ciiLc nim do ngroi dan ot nhu cAu vd nsudn v6n vd nhd nudc mu6n khuy6n ldlich nsudi dan kinh doanh nen ddc E Ei sudl cho vay rat thAp leo ilidu kien cho ngudi dan Li6 dn d,i cd du'qc cu6c s6ng kha gia hon
vio nrn 200? r6ng!6n huy dong ln trung umg ld 868 rieu dong veo ntn
n a ) d i j c n n g , \ i d n 8 L r n \ i r ' l u ) J i . n g n h . \ r r h J i S . d n r ; ) . h i b u o c d ; u l , h i n g u b i n n r p d d n c h u t i n ' a - q . n . l u r _ 6 l r ' n . - o 1 . J d n \ r y n n r a u . . o n o n S ; n hmg thi nguOn v6n huy d6!e ld 250 fieu dans do 1runs udg dua.a chinh sAch kluyan khich n€n c6 ntc hi suilthip cdn nsan hiinglhi khOng cd hinh tbtc.16 ncn nsxdn v6n huy .ldng ln d6 ciingkh6ngcin lhiil.
N : r . o o R h r r : n r 1 s i 1 \ . n n ) J. ne l., 1 | rriao d o l g r r a n ;n e n s u 6 nr d r h u ) d i r . : I n r - a u r t \ I - ! ; - h i n g . Q l D l l r r . h r r " m d i n n g u o n v o n c i a r d r h u ) d i r . : I n r - a u r t \ I - ! ; - h i n g . Q l D l l r r . h r r " m d i n n g u o n v o n c i a r t u n 8 u @ e n A n d a p h i n l . h u ) d ^ n e ' u r l r e , . . p l d I n " r , i i - J ; n g J r r h g l r 8 h c u o v o i n - t r 2 t r 0 r r n g 1 4 8 r a u d ; r e . c " _ 0 ' d ; r d n s v " r n t u i n \ ; n h u J ddn8 niiy v:t v6n vay cna nean hdng b 715 trie-u d6ng cnng lnng khi cao hd so vdi nin 2007 cu ft' li tdne 4651rieu daDg ti.e 186% vi cans va sau thingddl dan se m " r l d x n r l- o r ' o n ! J c u rd l. n h o o - , 1 n l n c : , . m ^ . n \ 6 n l o \ a O l D d t d ; " r g r , h u , i u d i : ' 1 : , i n , n -
" " , . r J J ! D d n . a m r B . y c ; n e p h d r r r i i n \i t i n h ri D6n cuiSi nin2009 ri l,! hu), d6ngrijn rn lw !dngan hing leicdngcao hd u , h i l d \ c ) \ o r w l . l b J 5 a ( , - { ! . o " , i n , u n _ , e u d 6 n e . " r C h m n a m 2 0 0 8 l i 6 l % c d n v 6 n v a y c n a n s a n h i n s th i n s u a c l a i d a s i a d h d ; r n h i a u c u l h d . ; ) 0 u r r i ( u d ; n i d ; g : i m 2 0 . 2 0 , "o.di ndn 2008, L o rh4 \o- hu\ Jn-p In l\ . i . g l , h a ( J o . lD u u n I- t l o i . . h c ' - n q v o i d a n l ; u i n l i l l u i n r i r n f f : n g n t l o . v6nnAoniL cad lhay c6ldicho nguoida".
2.4. Cnc siii phnp neDg cao hi4u qun huy dongv6n t4i QTD Vinh K i m
2.4.1. V.chinh sach khich hnng
Qny dn dune cin hdn thian cho i.n n6l chinh sich kliich hnns laf li vn c6 hiauqut. Tuvan vdh6h{'nguoidin Dnr crc thn ruc co lion quan d6n tian 8rii. Hudng dan ngrcidan ciich srl dung lian nhdn rihqp li ddne thdiginp ngudidan hilu d vai ttu vi nning dich !u cLla QDy lin dudg.
Qny dD dungnentim hieu nhnng ngulCnnhan cia ki6ch hdng rsine siao dich, rurlidn eriilaiqut lin du.g grii viongan hing d! c6bien phdp thichhqp nh;nr khOiphuc Iai !i duy 1,i n;i quan he 6l rdikhrch hlng. Cri cdn bO c6 k}i nrngeiaolidp t6tda giao dich, chim soc*hach hiLns c6 s6 dutiangtildD.
Qry fin dunsphni nanscao hiau qu:l horL ddng cna minh dAy ld mil bien p h r p c o o - n d e l o i l i o l , h " c f h J n s . d a . b ' i r \ - - | h d l s s J , | ; n , l ; , h a n n r o - n . B o i v QiJ ,'n.rrg.am - r . o h i i J q u d . c d , s u ; _ r d c r , r r d ; , d a o ,o u y L i n M i L n S c h hdngsnidan vio. kn:ich $ng ndi tin ring d b,r ki linh hu6ng khin dp nAo khiha cin viin thi qli 1in dlns c6 thd oap ':ng auo..
t h o n s c ; c p h u . w i )iL,6;r.ludn r', r IdL d J n g r t u . ri a p v a o G m I i khrch hing. Do dd nhtnc nhan rieD truc tiqrliep xnc !6i ldich h:tng can c6 not tdc phong vAL phong cach 161nhu an cdn, nidm nd.lich su, nha nh&, cdind.lAn tan vd nhit li phtic6 t.inl d6. Muc lieu chinh D lam Mo cho ho hoaL! thanh nhi€n n vdilinh th;n 1|ich nhi€n cao. c6 hiiu biil di gidilhhh cho khAch haLns mot cdch tuihg ran ve chinh xtc nhnng viin di miL h! quan 1am.
2.4.2. Va hinh th'ic huy.lons v6n
Q u ) i n d u n s r i i r , u c , l - i ; - lu J , J . 1 - \ J . n ! \ o n d a d . . n B b a o C ; m \ i i c m d , o n g d o i t u m B k J r r h h ; n s p u ' .i : i ' ; h d d l s c 1 c t , - 1 r h u . g u . I i i l n n u m o r o n g noi lang lop dan cu, md rore hinhlh,ic hr) d6ne v6n. np dungcec hinh thtc huy dOng v6n vdi mLic lei sui mdi nhuliisualtbip hodc d dai cho khech hing thu6c dicn h Ien...Ncn da d.ng cdc loaid€n huy ddng, rd chfc kien so61, ph6D tich di€u k i i i r i n h \ r i ' h L ) , l n 1 J \ r n m ! r _ J r d L r . a r o n 8 r u n C . ] | o : \ y d i c d n h u n g b j i n phiip hia hi6,u ling khd nnnghu) dnng r6n.
2.4.3. va sndlng tei $ril linh ho4r
Bingrhiau hirh lh!:c huy dons ddir 8ni ti6t kian tbich h9p da rhu hft nguaiblip din ngudigi'itiei.
NgoiLi raphii 6n dinh lAi slir cii mn . Cin cd nhi;u hi r lhtc dp duns Ei suir ru dai diii vd,i s6 riin gti lin !?t ki h4n gni diti, erii !& kiem dch lny !d cho r h e r a , r - J p l ' r n r t r o ) i u 1 u c ' - M d . h M n e . r n L q u a k l , u ) i , , m t l
2.4.:1. Bien phip khdc.
can 1ang cume luyen 1ruyan qu,n cro ve rhtdg hiau nhin gidi$ieu v0 \ o n d a u l i . r h b i e : n h o a . d o , e d r r l ; r ': n i \ , : u c - c h ; r h u c h u \ d o l g r i l cric dich!u rin dung.'llrvc hiontOt congtiicliop thl thoDg qua phudg li€n th6bglin daichnns bing hinh thnc hu]an thanh hoac ruyan hinh va cong i6c huy d6ns v6n, c6 kluydn mai hip dAD. da) ma.h d6p thi, ddimdirhong cilch giao dich.
( ! L j h . n c o ( a u IA i s u a t
CHUONG 3: K-6T LUAN VA KrEN h"CH!3.1. K6t Luan 3.1. K6t Luan
Qua sau Ludn drur ti-p raiQly rin dungdiiy la iin thLi haicm dudc thvc 6p , r . J d \ l A n h i r J i c r i p c r l u c d ' n ' ' i n l J u i , 1 . n l h r r n n l r n s e m . : n r h ; ) bdn rhan van chua dn ftoigian dt hoc hdiNhuns nha tudre.ia ho cho cD thed n i , . o ' o i d e t h r . r ; r r s i d 4 l ; n 1 ) u . r . L l p c r \ d n s \ - n p \ ( n h m 8 \ i i l r h u . dehoc tnrhrc lilhuy6r dan {hucra.
Nudc r li Dil nu6,c ndng nshicp vdi 80% dan si sdne bing nShe snD xuat ndne nclri€p vi viec phet rien nen kirh ta Lheo dinh hu6ng XHCN dnudc ia lrone nhnng nim qua dd dal dulrc nhnn8 $iinh tuu ding ka !a nhiau nAt nhu: Kinh ta. ( l.nh ri. X:r l"r. ma dq hiill"\;1.1'r'i D neu.i an' hren F i , : _ 8 ,h . 8 d ; n d6p can v6inhnng lian bi xa hni t?L rhco kip vLtistrph6llrian cr:ia kinh t€ Chinhvi
l h i . U L ) r r n d L n r l ; m d o i F r i , l r 1 g . ru n e o r " . n i n l . r n n J L l o \ a J g o ' r h i n
cine ci5 nin kinh t6 rronS nhin dan * s( quan tan cna DAng!dNti Nudc di5i ldi doi s6ns nhan dan iai dia phuong. Do lal di g6p ph;d kh6ns nhd ffong vi€c chuydn d6i d. s6 Ii n6ng din lron8 tinh tnng \r cung. ttr cip sang sin xuat hing hod mdhuy d6ng v6n !dcholal duqc coil! ddnbal c6rinh chdt quy€l dinh
Ben canh d6 Qu!'lir dung viDh Kin de 86p phin riL lat lrone viCc d;v lni nan cbo vay &ns lii rai di! phtrdrg. r'an cho lay lei su6l cao dd Sian .6r nhi€u v6n hu) dnne qi dia phuong c6 lnc lon lren 11.5 li ddns. Ttudc dav neu6n !6n fiy dnng cho vay nang lei. duqc quj lin dung cho Ydy lAi suat thap giup rCuiti dtn manh dan deu rLrph6lrriin kinhla t4o c6ngrD viec Idm l.ongdia bdn hoa-ld6ng cna Qu! tin dung di khans dinh hudng di drjng d;i iiong drde 16i d6i ddi cna Dins vaNhe nddc. G6pplrin dr ldnlroneviac6n dinhan ninh rratlul4i diaphuons.
Dd c. k6L qua khiL quan ihu neay h6n nav ld nhd su lanh dao l?Li tinh va s,ing su6l cia ban hnh dao Qui Lin dune. Ren canh do phai (6 ddn ! r thin lim viac hrng say cla1oin rhe cin b6 Qui. Lin duig Vinh Kim D6ingn cin bOc6ng tac da s6 da c6 tdin dO chuyan n6n vd cd nhiiu kiih nshien trong n-ehiap !u Qui 1ir dung da kh6ng nguns nnng cro dij nxi'i v; hoiin llien dd thich lehi vdi co cha dri lruong !A luOn git dusc uy tin d,iirdilhiich h)ng Qli lin dungvinh Kin rao cho nrinh n6l tha drlng vnng ch,c lran di! biin xa. Doanh thu no lu6n gia tdng trong ba
Trcng su61fidi sian thqc l6D cm da ci5 s;n8 rnn hiiu viL trinl biy mO1s6 t6n tai cnns nhu nhnng rhdnh tuu mn Qui tin duns da dat duoc. vi t'rdi gi.n lhdc dp cdn bi sidi han ntiau rong ph|n vi sdch vd QL li thlydt cna nhn ttrdng do d6 ktrong n6nh khdi nhdng thiau s61 ihil didn. Nhung bdi bdo cio nd It sg c6 ging iit nhiau cna cm. D6la str k6L hq! giira lhdc d pbrl sinh lrong quii trinh thur €p vi! U;n rhuc ma giiio viin d; rru)i,' da, cl'. em ,d, ranr. voi rrume lam triL rdr da t u r r B c h o e m n n t n e \ 6 . l i i i , h n . , r n , \ d r r u . F \ i r - l . h , r r , h u c r i m a r o n g q u a rnnn hoc dp rdi rruong cm .hud 1.,'1, h.l Jua.. l ,n I nh mong qui Lhi) (o chi bao. hudig dAn vA dong e6p them i ki6n da bdi b6o cro c,la en d@choan rhion hm.
3.2. Ki6n Nshi
3.2.1.D6i Vd QTD Vinh Kim
V d n d i r h : m d i - r - a c l i , ' | , , t r I ' i i 1 1 J n n ! !: n d l . b i ( r . h u G m d a n c i i c r i sd vC lhanh loin vA hieu qua hoat dons cna dflr vixin vay, ci,c.8ubnlhu dCfi ns vay- Diau niy citn b6lin dung hoiLn {oiin c6 Lha thsc hi6n t6t bdi !i tb6ng qua qui lrinh liep xnc ldikhrch h)ng, crn b6lin dung cd lho diinh eid duqc tinh trung thuc cna c6c s6 Iieu na khdch hdne cung cap th6ng qua liec lhu thip ciic thong tin li6n P I . a n l o r s n l , ; n r, . 1 r , i - - o '- J ; - - j - . p f - n r . c h n d q , q h d n d ; n g '\ o ' phan tich hieu qua kinh ta cna dnre nrin vay !i, tinh hinh tii cltinh cna khdch hdng . o n o , d o u y , . n o l n 8 . rd n . o . o d o d i r i b i i p h d f , - r h a o ; , \ J i ' . , n g k n o a n t ; n .
D o i L o . n o q u " i. n O , ! , . , d r ' F \ i r n . h ; e r d . ; r , . - r n g s i i n n ^ d i r c6 dn h6 sd phip li thinhanh ch6ng de nghico quan chuc ndng thuc hian liec phrit naihoic chuydn chohungrinb.in d;u gii fidc bied bdn taisan dd dru hi'ivijn.
3.2.2.D6i vti co Quitr Qu{n Li Khic:
c . c c o q u a n . h n . n 'n ! n \ u | . " r . \ ' . n \ r i r v r . r J n ! . n . . n i n a n h i i n . . c ; lc o s u q u d n L m h 6 r , ' c a c d t r \ ' r j , d - _ o - n r e \ r i \ u l , r ' - _ o i n o . o h ; r la c ; c