B̫ng 2.1: Ch͑ tiêu ho̩Wÿ͡ng kinh doanh cͯa VCB tͳ 2008-2012 Mӝt sӕ chӍ tiêu hoҥWÿӝng
kinh doanh
ĈѫQYӏ
tính 2008 2009 2010 2011 2012 Tәng tài sҧn tӹ ÿӗng 222.090 256.496 307.621 366.722 414.475 Vӕn chӫ sӣ hӳu tӹ ÿӗng 13.946 16.710 20.737 28.639 41.553 TәQJGѭQӧ tín dөng/TTS % 50,79 55,43 57,50 57,11 58,19 Thu nhұp ngoài lãi thuҫn tӹ ÿӗng 2.318 2.788 3.336 2.449 4.154 Tәng thu nhұS+Ĉ.' tӹ ÿӗng 8.940 9.287 11.531 14.871 15.108 Tәng chi phí hoҥWÿӝng tӹ ÿӗng (2.592) (3.494) (4.578) (5.700) (6.016) Lӧi nhuұn thuҫn tӯ +Ĉ.'
WUѭӟc chi phí dӵ phòng RRTD tӹ ÿӗng 6.348 5.793 6.953 9.171 9.093 Chi phí dӵ phòng RRTD tӹ ÿӗng (2.757) (789) (1.384) (3.474) (3.329) Lӧi nhuұQWUѭӟc thuӃ tӹ ÿӗng 3.590 5.004 5.569 5.697 5.764 ThuӃ TNDN tӹ ÿӗng (862) (1.060) (1.266) (1.480) (1.337) Lӧi nhuұn sau thuӃ tӹ ÿӗng 2.728 3.945 4.303 4.217 4.427
Mӝt sӕ chӍ tiêu hiӋu quҧ và an toàn
ĈѫQYӏ
tính 2008 2009 2010 2011 2012
NIM % 3,26 2,81 2,83 3,41 -
ROAE % 19,74 25,58 22,55 17,08 12,61
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
ROAA % 1,29 1,64 1,50 1,25 1,13 Tӹ lӋ GѭQӧ FKRYD\KX\ÿӝng % 70,50 83,57 84,88 86,68 79,34
Tӹ lӋ nӧ xҩu % 4,61 2,47 2,83 2,03 2,40
HӋ sӕ an toàn vӕn CAR % 8,90 8,11 9,0 11,14 14,83
Cә phiӃu ĈѫQYӏ
tính 2008 2009 2010 2011 2012 Cә phiӃu phә thông triӋu cp 1.210 1.210 1.322 1.970 2.317
Tӹ lӋ chi trҧ cә tӭc QăP 12 12 12 12 12
Giá cә phiӃu (cuӕLQăP ÿӗng - 28.690 26.820 20.130 26.230 Giá trӏ vӕn hóa thӏ WUѭӡng tӹ ÿӗng - 34.717 35.466 39.652 60.786
EPS ÿӗng - 2.871 2.315 1.789 1.909
DPS ÿӗng/cp - 1.200 1.200 1.200 1.200
1JX͛Q%iRFiRWK˱ͥQJQLrQVCB QăP
Nhìn chung các chӍ tiêu hoҥWÿӝng cӫD9&%WăQJWUѭӣng trong thӡi gian qua:
Lӧi nhuұQ WUѭӟc thuӃ QăP là 5.764 tӹ ÿӗng, gҫn bҵng 88% kӃ hoҥch ÿѭӧc giao WX\ QKLrQ WuQK KuQK KRҥW ÿӝQJ NLQK GRDQK FӫD 9&% WăQJ WUѭӣQJ WURQJFiFQăPTXD
Tәng tài sҧQÿҥt 414.475 tӹ ÿӗQJWăQJVRYӟi cuӕLQăPÿҥt gҫn 96% kӃ hoҥch FQJ YӟL OӧL QKXұQ WăQJ WUѭӣQJ WKu WәQJ WjL VҧQ FӫD F{QJ W\
FNJQJWăQJWѭѫQJӭQJGRQJXӗQYӕQKX\ÿӝQJQJj\FjQJPӣUӝQJEӣLWKѭѫQJ KLӋXFNJQJQKѭPҥQJOѭӟLFӫD9&%WUrQWRjQTXӕF
Vӕn chӫ sӣ hӳX ÿҥt 41.553 tӹ ÿӗQJ WăQJ VR YӟL QăP KLӋQ WҥL 9&%OjQJkQKjQJFyVӣKӳXFӫD1KjQѭӟFUҩWOӟQOrQÿӃQGRÿyNKҧ QăQJWӵFKӫWjLFKtQKFӫD1JkQKjQJUҩWWӕW
'ѭQӧ tín dөQJÿҥt 241.163 tӹ ÿӗQJWăQJVRYӟLQăP
+X\ÿӝng vӕn tӯ nӅn kinh tӃ ÿҥt 303.942 tӹ ÿӗngWăQJVRYӟi cuӕLQăP 2011, bҵng 106,6% kӃ hoҥFK9&%OjPӝWWURQJQJkQKjQJ70&31KjQѭӟF OӟQGRÿyQLӅPWLQFӫDQJѭӡLGkQWURQJYLӋFVӱGөQJVҧQSKҭPWҥL9&%OjNKi OӟQYuYұ\PһFGOmLVXҩWKX\ÿӝQJFy[XKѭӟQJJLҧPQKѭQJKX\ÿӝQJWӯWә FKӭFYjFiQKkQWURQJQӅQNLQKWӃYүQWăQJFDR
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
Các chӍ tiêu hiӋu quҧ Fy [X Kѭӟng giҧm sөt tӯ QăP GR ҧQK Kѭӣng cӫa khӫng hoҧng kinh tӃ WiF ÿӝQJ ÿӃn hӋ thӕng ngân hàng nói chung và VCB nói riêng OjP FKR KRҥW ÿӝQJ NLQK GRDQK NK{QJ KӅ GӉ GjQJ QKѭ NKRҧQJ WKӡL JLDQ WUѭӟF. Tuy nhiên ÿLӇPWLӃQEӝWURQJKRҥWÿӝQJFӫD9&%Ojtӹ lӋ nӧ xҩu QăP ӣPӭF2,4%, thҩSKѫQPӭc mөc tiêu kӃ hoҥch (2,8%) và tӹ lӋ nӧ xҩu cӫDWRjQ QJjQKQJkQKjQJFKӭQJWӓFKҩWOѭӧQJWtQGөQJWҥL9&%ÿѭӧF
Cә phiӃu cӫD9&%ÿmÿѭӧc niêm yӃt trên Sàn giao dӏch Chӭng khoán TP.HCM tӯ QăP08 vӟi giá trӏ vӕn hóa thӏ WUѭӡng là 60.786 tӹ ÿӗng và tӹ lӋ chi trҧ cә tӭFÿѭӧc duy trì әQÿӏQKQăP
Ngoài ra VCB có thӃ mҥnh vӅ xuҩt nhұp khҭu cө thӇ doanh sӕ thanh toán xuҩt nhұp khҭXÿҥt 38,8 tӹ USD, chiӃm gҫn 17% thӏ phҫn cӫa cҧ Qѭӟc và hoҥWÿӝng bán lҿ ÿm Gҫn khҷQJ ÿӏQK ÿѭӧc vai trò quan trӑng trong sӵ phát triӇn bӅn vӳng cӫD9&%WX\QKLrQKLӋQQD\KRҥWÿӝQJQj\FKӏXVӵFҥQKWUDQKEӣLFiFQJkQKjQJ QѭӟFQJRjLFyWLӅPOӵFWjLFKtQKYjSKөFYөFKX\rQQJKLӋSGRÿy9&%ÿDQJ[k\
GӵQJFiFFKtQKViFKÿӇGX\WUuWKӏSKҫQ
2.2 *LӟLWKLӋX%ӝSKұQ4XҧQOêUӫLURWtQGөQJ+ӝLVӣFKtQKWҥLNKXYӵFSKtD Nam
2.2.1 1KLӋPYөKRҥWÿӝQJFӫD%ӝSKұQ4XҧQOêUӫLURWtQGөQJ+ӝLVӣFKtQK WҥLNKXYӵFSKtD1DP
VCB thӵc hiӋn quҧn lý rӫi ro tín dөng tұp trung, thông qua Phòng Quҧn lý Rӫi ro Tín dөng trӵc thuӝc Hӝi Sӣ chính, bao gӗm 2 bӝ phұn: mӝWÿһt tҥi Hӝi Sӣ chính và mӝWÿһt tҥi Thành phӕ Hӗ Chí Minh2PөFÿtFKFӫDYLӋFTXҧQOêUӫLURWtQGөQJWұS WUXQJQKҵPÿҧPEҧRWtQKÿӝFOұSYjNKiFKTXDQWURQJTXiWUuQKSKrGX\ӋWFҩSWtQ GөQJQKҵPTXҧQOêUӫLURWURQJKRҥWÿӝQJWtQGөQJWҥL9&%.
%ӝSKұQ4XҧQOêUӫLURWtQGөQJ HӝLVӣFKtQKWҥLNKXYӵFSKtD1DPUDÿӡLYjRQJj\
01/09/2008 theo QX\ӃWÿӏQKVӕ4Ĉ-1+17&67'QJj\QKҵPWKӵF KLӋQWKHRFKӫWUѭѫQJÿәLPӟLP{KuQKWtQGөQJFӫDVCBÿӇFKX\ӇQVDQJPӝWQJkQ
2 4X\ӃWÿӏQKVӕ4Ĉ-1+17&67'QJj\YYEDQKjQKTX\WUuQKFҩSWtQGөQJFӫDWәFKӭF
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
KjQJ TMCP KLӋQ ÿҥL QăQJ ÿӝQJ, ÿiS ӭQJ NӏS WKӡL QKX FҫX FӫD NKiFK KjQJ WUrQ NKҳSFҧQѭӟF%ӝSKұQ4XҧQOêUӫLURWtQGөQJHӝLVӣFKtQKWҥLNKXYӵFSKtD1DP OjÿѫQYӏWUӵFWKXӝFHӝLVӣFKtQKYӟLQKLӋPYө chtQKOjWKӵFKLӋQUjVRiWÿiQKJLi OҥLWRjQEӝKӗVѫÿӅ[XҩWWtQGөQJYѭӧWPӭF&KLQKiQKÿӇOjPFăQFӭFKR%DQOmQK ÿҥR1JkQKjQJÿѭDUDTX\ӃWÿӏQKFҩSWtQGөQJ%ӝSKұQVӁWKXWKұSWҩWFҧKӗVѫFӫD
&KLQKiQKFXQJFҩSFQJYӟL&KLQKiQKWKҭPÿӏQKÿiQKJLiQăQJOӵFYjQKXFҫX YD\YӕQFӫDNKiFKKjQJWK{QJTXDPӝWVӕQӝLGөQJWKӇKLӋQWURQJ%iRFiRUjVRiW UӫLURWtQGөQJ*LӟLKҥQWtQGөQJÿӕLYӟLFiFNKiFKKjQJFyQKXFҫXYD\YӕQ OѭX ÿӝQJKRһF%iRFiRUjVRiWUӫLURGӵiQÿҫXWѭÿӕLYӟLFiFNKiFKKjQJFyQKXFҫX YD\YӕQWUXQJGjLKҥQWKӵFKLӋQGӵiQÿҫXWѭ.1KѭYұ\ÿk\OjPӝWEӝSKұQFKX\ӋQ WUiFKYӟLQKLӋPYөFKtQKOjUjVRiWWKҭPÿӏQKOҥLFiFKӗVѫYѭӧWPӭF&KLQKiQK OjPFѫVӣÿӇ%DQOmQKÿҥR9&%SKrGX\ӋWFҩSWtQGөQJ
1JRjLUD%ӝSKұQFzQWKӵFKLӋQF{QJWiFUjVRiWÿӏQKNǤFiF&KLQKiQKWҥLNKXYӵF PuQKTXҧQOêQKҵPSKiWKLӋQFiFVDLSKҥPNӏSWKӡLÿӇÿѭDUDNKX\ӃQQJKӏFKR&KL QKiQKWKӵFKLӋQEәVXQJĈӗQJWKӡLFyFăQFӭÿӇEiRFiR%DQ/mQKÿҥRVCB QKҵP [ӱOêFiF&KLQKiQKWKӵFKLӋQSKrGX\ӋWTXҧQOêNKRҧQYD\NK{QJÿ~QJTX\ÿӏQK 0өFÿtFKFӫDQKLӋPYөQj\OjPPLQKEҥFKYjNLӇPWUDFKpRWURQJKRҥWÿӝQJWtQ GөQJJLӳD+ӝLVӣFKtQKYjFiF&KLQKiQKWUiQKWuQKWUҥQJEX{QOӓQJWURQJTXҧQOê
%ӝSKұQ4XҧQOêUӫLURtín dөng HӝLVӣFKtQKWҥLNKXYӵFSKtD1DPVӁOjÿҫXPӕL FӫDHӝLVӣFKtQKWҥLÿӏDEjQSKtD1DPWURQJYLӋFFXQJFҩSWuQKKuQKFKҩWOѭӧQJWtQ GөQJ FӫD FiF &KL QKiQK TXҧQ Oê WuQK KuQK KRҥW ÿӝQJ WtQ GөQJ FӫD &KL QKiQK ÿӇ QJăQFKһQWuQKWUҥQJQӧ[ҩXYjÿѭDUDELӋQSKiSWKXKӗLQӧFyYҩQÿӅ.&{QJWiFQj\
ÿѭӧF%ӝSKұQWKӵFKLӋQPӝWFiFKWKѭӡQJ[X\rQKjQJWKiQJYjEiRFiRNӏSWKӡLFKR
%DQOmQKÿҥRWK{QJTXDEiRFiRFKҩWOѭӧQJWtQGөQJ&KLQKiQKEiRFiRQӧ[ҩXQӧ QKyPYjQӧ[ӱOêQJRҥLEҧQJ
%ӝ SKұQ FzQ WKDP JLD F{QJ WiF EiR FiR QJjQK ÿӇ phân tích GLӉQ ELӃQ FiF QJjQK KjQJ Pj BӝSKұQÿmSKrGX\ӋWÿӇÿӅUDFKtQKViFKOƭQKYӵFSKѭѫQJKѭӟQJSKiW WULӇQFiFQJjQKWUӑQJÿLӇPYjÿѭӧF[k\GӵQJGӵDYjRÿyQJJySWӯQKLӅXSKzQJEDQ
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
WҥL+ӝLVӣFKtQKYj&KLQKiQK0өFÿtFKFӫDYLӋF[k\GӵQJEiRFiRQJjQK QKҵP ÿѭDVCBPӣUӝQJWKӏSKҫQWLӃS[~FYӟLFiFNKiFKKjQJFyX\WtQYjWKѭѫQJKLӋX WUrQWKӏWUѭӡQJÿӇ WăQJWUѭӣng tín dөng mӝt cách hiӋu quҧÿӗQJWKӡLÿk\OjPӝWÿLӅX NLӋQWURQJTXiWUuQKSKrGX\ӋWFҩSWtQGөQJ
%ӝSKұQ4XҧQOêUӫLURWtQGөQJHӝLVӣFKtQKWҥLkKXYӵFSKtD1DP FzQOjQѫLÿjR WҥRWұSKXҩQYӅNLӃQWKӭFWtQGөQJÿӗQJWKӡL[k\GӵQJFiFNӻQăQJWURQJYLӋFKҥQ FKӃUӫLURWtQGөQJJL~SFiQEӝWtQGөQJQKұQELӃWÿѭӧFWuQKKuQKVӭFNKӓHFӫDFiF GRDQKQJKLӋSÿDQJYD\YӕQYjÿiQKJLiÿѭӧFFiFNKiFKKjQJdӵ ÿӏQKÿӅ nghӏWtQ GөQJÿӕLYӟLVCB.9ӟLVӕOѭӧQJKӗVѫWUuQKOrQ%ӝSKұQNKiQKLӅXYjWăQJKjQJ QăPOjPӝWÿLӅXNLӋQUҩWWӕWÿӇWLӃS[~FYӟLFiFKӗVѫWtQGөQJOӟQJһSÿѭӧFQKLӅX WUѭӡQJKӧSSKiWVLQKÿһFELӋWFӫDKӗVѫÿLӅXQj\VӁOjPWD\QJKӅFӫDFiQEӝWKҭP ÿӏQKWăQJOrQUҩWQKLӅX
+jQJWXҫQ%ӝSKұQVӁWLӃQKjQKKӑSJLDREDQEDRJӗPFҧFiQEӝYjOmQKÿҥRÿӇ WKHRG}LWuQKKuQK[ӱOêKӗVѫSKrGX\ӋWJLҧLTX\ӃWFiFYѭӟQJPҳFWӗQÿӑQJYjFұS QKұWQKӳQJGLӉQELӃQPӟLYӅWuQKKuQKWtQGөQJFӫDQJjQK1JkQKjQJQyLFKXQJYj 9&% QyL ULrQJ ĈLӅX Qj\ FKӭQJ Wӓ ÿѭӧF UҵQJ %ӝ SKұQ WKHR G}L NKi ViW VDR WuQK WUҥQJWLӃQÿӝKӗVѫÿӇÿҧPEҧRFKҩWOѭӧQJWKҭPÿӏQKFNJQJQKѭWKӡLJLDQSKrGX\ӋW ÿ~QJTX\ÿӏQKPj9&%ÿӅUD
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
2.2.2 &ѫ FҩX Wә FKӭF FӫD %ӝ SKұQ 4XҧQ Oê UӫL UR WtQ GөQJ HӝL Vӣ FKtQK WҥL .KXYӵFSKtD1DP
B̫ng 2.2: B̫ng phân công nhi͏m vͭ qu̫n lý các Chi nhánh cͯa B͡ ph̵n
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
%ӝSKұQ4XҧQOêUӫLURWtQGөQJHӝLVӣFKtQKWҥLkKXYӵF3KtD1DPTXҧQOê&KL QKiQKFӫDVCBWӯ4XmQJ1JmLÿӃQ&j0DX7URQJÿyFKLDUDOjPNKXYӵFFKtQK Oj
1DP7UXQJ%ӝ
Ĉ{QJ1DP%ӝ và Tây Nguyên;
.KXYӵF73.HCM;
0LӅQ7k\
ĈӭQJÿҫX%ӝSKұQOj7UѭӣQJ%ӝSKұQ4XҧQOêUӫLURWtQGөQJHӝLVӣFKtQKWҥLNKX YӵFSKtD1DPTXҧQOêKRҥWÿӝQJFӫDBӝSKұQQKҵPWKӵFKLӋQFKӭFQăQJQKLӋPYө FӫDSKzQJÿѭӧF%DQOmQKÿҥRVCBJLDRSKy7UѭӣQJ%ӝSKұQOjQJѭӡLÿҥLGLӋQFӫD
%ӝSKұQWURQJYLӋFNêFiFWK{QJEiRNêSKrGX\ӋWKӗVѫFҩSWtQGөQJFKRFiF&KL QKiQKWKHRӫ\TX\ӅQFӫD7әQJJLiPÿӕF1JRjLUD7UѭӣQJ%ӝSKұQOjQJѭӡLSKkQ F{QJF{QJYLӋFWURQJSKzQJWӯYLӋFFKӍÿҥRFiQEӝQjRWKӵFKLӋQKӗVѫFҩSWtQGөQJ FKӍÿҥRWKӵFKLӋQFiFEiRFiRFӫD%ӝSKұQWәFKӭFFiFKӝLWKҧRFKX\rQÿӅFKR&KL QKiQK
*L~SYLӋFFKR7UѭӣQJ%ӝSKұQOj3Ky%ӝSKұQTXҧQOêNKXYӵFFKtQKWҥLFiF ÿӏDEjQ FKӏXWUiFK QKLӋP WKӵF KLӋQFiF QKLӋPYөFӫD 7UѭӣQJ%ӝSKұQ JLDRSKy NLӇPVRiWYjSKrGX\ӋWFiFKӗVѫWҥLÿӏDEjQPuQKTXҧQOêNLӇPVRiWFiFEiRFiR FӫD%ӝSKұQÿҥLGLӋQ%ӝSKұQFQJYӟL&KLQKiQKWLӃS[~FYjWUDRÿәLNKiFKKjQJ NKLWKҭPÿӏQKKӗVѫ,...
0ӛL&KLQKiQKWKXӝFVӵTXҧQOêFӫD%ӝSKұQÿӅXÿѭӧFFiQEӝTXҧQOêUӫLURSKө WUiFKÿӇWKӵFKLӋQUjVRiWOҥLFiFNKRҧQWtQGөQJӣPӭF&KLQKiQKWKҭPÿӏQKWtQ GөQJÿӇWUuQKEDQOmQKÿҥRSKrGX\ӋWFҩSWtQGөQJYjOjQJѭӡLWUӵFWLӃSWKӵFKLӋQ FiFEiRFiRWҥLFiF&KLQKiQKÿDQJTXҧQOêFKRFiF3Ky%ӝSKұQ.&iFFiQEӝTXҧQ OêUӫLURQj\OjFiFÿҫXPӕLFӫD%ӝSKұQWURQJYLӋFNӃWQӕLYӟL&KLQKiQKÿӇWKӵF KLӋQF{QJYLӋFKLӋXTXҧQKҩW
1KѭYұ\KLӋQWҥL%ӝSKұQFyFiQEӝTXҧQOêUӫLURÿѭӧFSKkQF{QJtheo WӯQJ
&KLQKiQKFөWKӇGRÿyFyWKӇJLҧLTX\ӃWQKDQKQKҩWKӗVѫNKLWUuQKOrQ%ӝSKұQ PӛL&KLQKiQK OҥLÿѭӧFSKkQF{QJFiQEӝÿӇFyWKӇWKD\ QKDX[ӱOêKӗVѫNKL
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
QJѭӡLFzQOҥLÿLF{QJWiFOjPӝWWLӃQEӝWURQJFѫFҩXWәFKӭFFӫD%ӝSKұQ1JRjLUD YLӋFSKkQF{QJNKXYӵFJLDRFKR3Ky%ӝSKұQOjPFKR%DQOmQKÿҥRGӉGjQJ WKXWKұSWK{QJWLQWuQKKuQKKRҥWÿӝQJWtQGөQJWҥLWӯQJNKXYӵFNKLFҫQÿӗQJWKӡL WKXұQOӧLWURQJYLӋFGLFKX\ӇQWҥLFQJFiF&KLQKiQKWURQJNKXYӵFQj\NKLÿLF{QJ WiF7yPOҥLFѫFҩXWәFKӭFFӫD%ӝSKұQNKiKӧSOêYjSKkQF{QJF{QJYLӋFNKiFө WKӇ7URQJWKӡLJLDQWӟLQӃXVӕOѭӧQJ&KLQKiQKWҥL%ӝSKұQWăQJOrQWKuVӁWLӃQKjQK WX\ӇQGөQJÿӇEәVXQJWKrPQKkQVӵ
2.2.3 0ӭFWKҭPTX\ӅQSKrGX\ӋWFӫD%ӝSKұQ4XҧQOêUӫLURWtQGөQJKӝLVӣ FKtQKWҥL.KXYӵFSKtD1DP
Theo phân côngFӫD7әQJJLiPÿӕF1JkQKjQJ70&31JRҥL7KѭѫQJ9LӋW1DPWKu
%ӝSKұQ4XҧQOêUӫLURWtQGөQJWUӵFWKXӝFTXҧQOêFӫD7әQJ*LiPÿӕFQKҵPWKӵF KLӋQFiFFKӭFQăQJQrXWUrQYjÿѭӧFӫ\TX\ӅQSKrGX\ӋWWtQGөQJtheo QuyӃWÿӏnh 274Ĉ-VCB.CSTD ngày 07/05/2008 QKѭVDX
%̫QJ34X\ÿ͓QKSKkQF̭SSKrGX\͏WWtQGͭQJW̩L%͡SK̵Q
&ҩSSKrGX\ӋW &ҩSJLӟLKҥQWtQGөQJ &ҩSGӵiQÿҫXWѭ
*LiPÿӕF&KLQKiQK 7\ WKXӝF YjR WӯQJ
&KLQKiQK
7\WKXӝFYjRWӯQJ
&KLQKiQK +ӝL ÿӗQJ WtQ GөQJ Fѫ Vӣ WҥL &KL
QKiQK
7\ WKXӝF YjR WӯQJ
&KLQKiQK
7\WKXӝFYjRWӯQJ
&KLQKiQK /mQK ÿҥR %ӝ SKұQ 4XҧQ Oê UӫL UR
WtQGөQJ
WӹÿӗQJ WӹÿӗQJ
3Ky7әQJJLiPÿӕFVCB SKөWUiFK TXҧQOêUӫLURWtQGөQJ
WӹÿӗQJ WӹÿӗQJ
3Ky7әQJJLiPÿӕFVCB SKөWUiFK TXҧQOêUӫLURWtQGөQJYj3Ky7әQJ JLiPÿӕFSKөWUiFKNKiFKKjQJ
WӹÿӗQJ WӹÿӗQJ
1KѭYұ\WҥLPӛLFҩSSKrGX\ӋWWtQGөQJVӁÿѭӧF7әQJJLiPÿӕFFӫD9&%ӫ\TX\ӅQ FKRWӯQJFKӭFYөFөWKӇ&iFNKRҧQYD\ӣPӭF&KLQKiQKWKuVDXNKLSKzQJNKiFK KjQJWKӵFKLӋQWKҭPÿӏQKVӁWUuQKFKR*LiPÿӕF&KLQKiQKKRһF+ӝLÿӗQJWtQGөQJ
tot nghiep do wn load thyj uyi pl aluan van full moi nhat z z vbhtj mk gmail.com Luan van retey thac si cdeg jg hg
FѫVӣWҥL&KLQKiQKÿӇSKrGX\ӋW theo phân công./mQKÿҥR%ӝSKұQTXҧQOêUӫLUR VӁSKrGX\ӋWFiFNKRҧQFҩSWtQGөQJGӵiQÿҫXWѭYѭӧWPӭFFӫD&KLQKiQKÿӃQ WӹÿӗQJVDXNKL+ӝLÿӗQJWtQGөQJFѫVӣWҥL&KLQKiQKWLӃQKjQK KӑSYjÿӅ[XҩW
&iFNKRҧQYѭӧWWӹÿӗQJVӁÿѭӧF%ӝSKұQTXҧQOêUӫLURWLӃQKjQKUjVRiWYjWKҭP ÿӏQKVDXÿy/mQKÿҥR%ӝSKұQNêNLӇPVRiWÿӇWUuQKFKR3Ky7әQJJLiPÿӕFSKө WUiFKTXҧQOêUӫLURQӃXWKXӝFPӭFFӫDYӏQj\KRһF3Ky7әQJJLiPÿӕFQӃXWKXӝF PӭFFDRKѫQ4XDÿyOXұQYăQFyWKӇQKұQWKҩ\ÿѭӧFUҵQJYLӋFSKkQFKLDFKӭFYө YjWKҭPTX\ӅQSKrGX\ӋWWҥL9&%NKiU}UjQJYjKӧSOêÿLӅXQj\VӁJL~SKRҥWÿӝQJ WtQGөQJ ÿҥWÿѭӧFKLӋXTXҧ YӅ WtQK PLQKEҥFK FNJQJ QKѭNKiFK TXDQ NKLUD TX\ӃW ÿӏQKFҩSWtQGөQJ