TRA VINH.
Quy tin dung nhan dan pluong 3 rhirh up va divio hoar dOng ngay 29109/1995, lhi dien lheo quyel dinh 390/TTg ngiy 2710?/1993 cta tl)|l ludng Chinh phrt chuyan ddi hoar d6ne lleo lulir hdD 1dc xi, rheo giir chnng dhan kinh dodh s6 o4/uB'rx ngay 23104/1998 do UBND thixii T.i Virrl ciip
Thco gi y phap hoat dong s6 oUNIICP ngay 20/09/t995 do Chi nhrnh NHNH r i o h l n \ i n l . i n Q u ) . ; r d i - r . . l J J _ O D N . ! nE!) t7 t2 2002 \ r \ i F c q 4 d i n h dia ban hoal dong cia Qut rin dune lhin din phftns 3 li phudg 1,2,3,4,5.6 thixi
Qua thdi gian rhvc hian chi lhi 57 cna 86 Chinh rri. elya ,j!nh r.]5 cna Thrl Irons Chinh phn. Chi rhi 0l c0a UBND ri r vn k6 hoach 168. l16 cna Chi .hrnh NHNH linh tr, vi,rh duqc UBND li r TrA Vinh phC duyel. Nhin chungqua rhoisian cing cd chin ohirh Qut tin dung nhin dan phudg I cd bdn dd hoat d6ne dn dinh vd
Co cAu 16 chrlc clLa Qut tio dong nhan dAn phuonS l. thinh ph6 Tra Vint, tinh Tii Vinh.
2.1.r T6 ch'ic bO mry qtriin li:
IH08.HKIB
soDo To cH tlc HoAT DQNC
Hinh 2: So ild td ch[! [o?1 ilong qui tin drrng nhnn den phuing 3 {nsudn Quy tin duns nhrn dan phuons 3)
Dai h6i th)nh viCtr c6 nhion vr
+ Biio ciio kat qui hoat do.g trcng niin. bzio c,io hoqt d6ng cta HDeT, hoel .long cia Ban kidn soiil.
+ 860 cdo cdns khai Oi chinh k6 toin,
+ Phdong ludng hoat d6ngkinh doarh
.+Tdng, giin v6n.liau Iq nnc c6p v6n i Biu bd sung hodc bai nian ChLt tich lien Brn Kiem Soit.
+ T1'0Dg qua phuon8.ln do IIDQT xay dung v€ hnc rhn Iao cho thinh vi€n HEQT. Bd ki6m soil, hnc luonscnaCiim ddc v,i ciic nhan vien lim viect.ieui rin
+ ThOne qla danh sdch kA nap thl r vien mdi v,l cho rhinh vien n khdi eut rin dungdo HEQTbiio cao, qutaldinh khait|nrhinh vien.
dd ki€n phan ph6i loinhltn vdxt li cdc
IIDQT, cic thinh vien IjDQT. ciic thdnh
GVHD: Nguyan Thi Cih Loan
DAI HOI
'II'IANII VIEN VIEN
BAN KII]M SOAT HOI DONGQI.'ANTN
CHU TICH HDQT
CIAM DOC
B,i th;n lho qut Bo fhln Trn Dqne
THO8.HKTB + Chialdch, hsp nhir, sernh6p, mua lai, giairhd Quilin duns.
+ Sta d6idieu l€ Qui tin dunCnhan din.
+ Nhnnslan d0 khdc do rrDQT. Bar kidn soir hoic cd il nhal l/3 t6n8 s6 th,tnh vien dd nehi.
' Ini,larg q u i n r r i r H D v 1 , . , . J r r . r l \ i i . . r o n o n : r ) r h . r i , r r hoi d6ne q u ; n I i lrmli€c thuong truc taiqui rin dung.
+ Hing lhins (lJl)QT) ld chiic hop dinh k'. c6 su tham gia cna ban dau hdnh !i b J n l , a T . o a r d i c u n e r _ r - Eb l4rp -edp ) I e n \. ' h d n n a n h n g h i q u ) d r o n g rn n 8
+ HAng q!t. 6 thdns c6 hqp so ka vii ban hdnh cdc nghi quy6t cAn lliat. Ben canh dd kip thdi ban hdnh cic quyar dinh,quy ch6 rheo su hu{rns d6n cta ciip t€n da ip dung chunslrong don vi. cdibilo cdo d6n cdc lh,nh vien s6p vijn thuog xuycn tn 20 fieu td len d€ than gia sidm sit hoal d6ng dra qui ur uuns.
+ Kian ka. giim sdt ban diau hi r viec thuc hie. lirn li€c tien 1uc tu 7h ( kh6ng nghibu6ilru. tn I lh-l3h). Thuc hien nghian gn:t siic tdn vi6c vn ch6n diam thidua.
+ TIam dv cdc cu6c hd.p cna ban kioDr soit. ban dieu hdnh de kip thoichAn chinh cdc m thiausOr, dua dqn !idiviio hoar ddns !eal,cing hoin rhi€n hdn.
' Ban kiem sozit c6 3 lhanh vi6n. rong ni! kianr sodt hldng bn vi€c chuyen + Kiam m, girinr s6t liec chip hinh quy .linh qut lriDh nghi€p vu kinh doanh theo qu! dinh cia ngan hingnhi nKtc.
I Ciorn i a r \ i e ! .h i p l' , , n ' \ i J d , b 'o a . , r o x , ' r o n r l - r d r d i r e r i i n r e . r , n d u n g vd di;h vq cna qut lin dung. Kianr tra do chinh xic cLia bio c6o cAD d6i ki to,n, gidi quydt cdc dm thv, khiau 16 lion quan dJn hoat dOlg qui tin dung. r.l)uc hi.an biio ciio chuyOn da vAL ciic nhiam vu khdc.
* Ban didu hiinh c6 8 thinh vien Ddi co c,ic chnc danb sau: giiim d6c, k6 todn lruong. rrudn8 kho qui, I cdn b6 tin dun8, I hel ddne thri viec (c6 r0 cin bo nhan
+ HOi d6nS qutin lri;
IIIO8.HKTB - La coquan litnh dao cao nhil gind hli ki Daih6i thdnh vien. Kidm lE eiiin sir vi€c di€n hdnh cna Giint di5c, chiu lrich nhirnr trudc Dai h6i thdnh vi€n lrcns viec t6 chilc lhuc hien nghiquy6r cia Diihdifinnh !iOn.
- HOi ddng quin lri thuc hian rijr chtc n.ns vi nhiem !u. quyan hln tong vicc siai quy6t ciic viin .le c6 li€n qnatr din horl dans cti. qui rin dune rheo rhim quyan, qtry che. diau le. Phip luel vd cic qur dinh hidn hinh cna De6n hing nha nudc.
- H;08 rhrns h 6 . d o n ! q - J - r i d a u r , f t L , h . r t i J i r d n J n n S r h e o q r ) d i l h trong cIc .uic hop dieu hirnh nhnn charn drinh nhnng sai s6r va c6 k6 hoech cu lhd trong ri'ng rhanS riip thco. rriin khai t6t cac vin bAu cia ngin hdng nhi nudc troDs linh vuc hoal dOng chuy€n Inon ci. nginh. lap kij ho.ch itua di dao ho nahi€p vu nhinr d6p ng tieu chui. cna rh6ng d6c ngiin hdngnhi ntr'c. NgoALira, h6i ddng quid ricnDg rieu r6p nhnns cuoc hop bir rhu@e d6 giiiiquy6 s{ phit sinh.ti,lxuir tuchi dao cia ngan hdng nhAL nudc lmrc lro.g ndibd quli tin dung.
+ chn tich hi)iddns qu,in lri:
Ch Ldch nhiem tudc IIDQT y0 yiec rr.liap ki6m lra giiin sdl c6ng viec diau h J n l , c i a u i j m d ; L r h c , " h ; p l, : r . I J.1 i qu\ ,,n d11!. i,,,e n l I v i d ! r i , ' r l c r h u c hi€n nghiquyat cia Dnihdilhinh vien.
Tluc liCp dia, hiuh maicdng vi€c da dor vi theo chrrc ndng. nhiOm vu va phanr vi hoat dong crla qut lin dun8
Phdn c6ng nhitm vu cu fia cho tnng cin bn vi nllD th6ng lin phin laitn cdn b6. C6 quyen quyer dinh chinh thLic I khoin vay. quyai dinh td chnc bd nliOm, midn nhi€n. khctrlhumg. ki luat ha! nine lL(ns c,i| b6nhltn lien rrongdonvi.
+ K6 to:in runng:
- Phen cilng nhan vien thuc hien c6c thl luc thanh lol1|r, phit lay cho khich hdng Lheo lenh ciagiiim dic horc nguoiu)r (lur.n.
- Quin li ha so cna kLlch hing. hoach Lodn c.c nghiep vu cho vay, lhu nq. llu lai, t.iitien ldi vay, tior gdi, chuyan.q qui hin, lhu rhnp cdclh6ngtin tong ngdy, eiao chitieu $ichi.h quy6r ronn.
TI'Il]8.HKTB - II6u kiem lm cac chrj'ng ru th.nh Lotnr. ThaD
chinhka todn. Trich liip virquin li sriduns c,icqui, + Tru,tng kfio thn qui:
muu cho gnnn d6c !c ch6 d6 ri
- C6 ftiich nhien kiam rra, li;n $dr rian nfu. n8:in phiau rone kho hins neay.
f r u . r ' i p rh u n e ; n v - g i . i r n i n l l . o o r . . r n l ' n e lgr)
- CLoi m o . n g " i . . 1 4 , . 6 l g r n q . r i . l < r l, m v o i \c r o : n r h r n d o i n c h i . " p r u n e d " quiphiitsinh n;insay da diau chinh nr.i.sdr khic6 e, sol.
+ Cin b0 tin dqng:
- Tlial lap duy ti va nd rong cic n6i qurn hf vdi khdch hang. tap thi ciic san p h i m . d n h r u o u j r ' n d u n g . r r r . r : ( f , ' 'd n c - c . l , o n g r n p h r ' h d i r u t h i ! h h " r e N h i n hisd, kiam tla1inh diy di, vi hqp phip ci. na so.
' Phtn ljch doanh nghi€p, kl6ch hing lar fieo quy trinh nghiEp vu, d6nh gid tii sdn.ldm bio vay nd. t6ng hop cric i kien rhdn giacr:i. cic dd vi cd tien quan.
- OL;r li ldu g,ii ne.,n. r ' i . \ d . li c n , u c l l ' r . h I ' j n s \a ) \ ; r , n i h , n h . n drng v6n vay. Thuc hienchovay, din d6c khich hins. rrd gdc vii tii laidtns h?n.
- Tndtn dirfi cdc du.in dro vay, lip bilo cio va li,r dung lheo quy dinh, thuc hien ciic nhien vu khiic duq'c Cidm d6c phin cOne.
- Tlco ddi tinh hinh nsnOn v.jn vd sridrig r6n, nhu ciu v6n cin lhia da phrc vu r . n d u n 8 . l ! d 6 r r ' , , h l i n C i . . r .1 . r
" ; . 6 c h o c f . u r f i . 2.1.2 T6chf. c6ng tic k6 to6tr.
l l < r h 6 n e L l i k h o , i n l ( , , ' n som c . n rr i k t . . - I n . n e o i i n 8 r o n g ( e r r " i s a n ' d c a c r d r M o i n n g o J i l - a n s d u o c b o r, , ,t ' r n t ' 4 ?j. . i. ..ii kholn r , . { s onr8 g ; m 8 o a i :
Loai l: v6n khi dung !,jL cdc khoin diu rv Loai 2: Ho.t ding tin dug.
L o e i 3 : T i i s A n c 6 d i n h v d td i s d n c d k h i c . L o l i 4 : C r c k h o i n p I A i r a
Loai 5illoal dong th.nh lotnr. L o a i 6 : N g u d n v o n c h ! s n h t u .
THOS-HKTB
Loai 8: Chi phi.
cec di khoan ngori bing sdm I lo.i: Loei 9: Cic lai kho6D ncoiibang.
rJiQn nay Qut lin duns phudng 6 chi c6mOL ka roan d;m nhi€m roan ba cons r.c
Hacb LoAn cUa QTD 1A ho r thdnh bling cin dai ka to6n dcu6ingAy, hdng tbing, quivd quyel bdn cuOindm laichinh.
SO DO Kf TOAN
Hinh
G h i h i n g n g i y C h i d i n h k i
3: Sodd k6 tontr Crgu6n Qut rin dungnh6n dan phuong 3)
Qut tin dqng dang iip dung hinh th!rc chr?ng tu gii sij.
2.2 PhAn tich thllc hfng |ii s{il cna Qrilin dqng nh6n dnn phrimg3:
Lai su6t li n6t tfong nhtng v;n de hA sfc phLtc rap. na vna ld c6ne cu h6r stc quan 1ran8 !, nhay cam ftong viec diau hi.h chinh sich lian te, lia Id gii cri sr duns
CVHD: Neuycn Thi c6m Loan SVTrI: Nguyen Cim Tuyi]n
ChinC rit S O k e l o , n TK chi lii:l K6t hap TK TK nAAv cao diii
can d6i tiLi khodn
fi6-"4'"'.{i*-
THO8.HKTB v6n cna hoat .long lin dung. Vi val n6 c6 rdc ddn8 to tdn viec ting hr, girm kl6i luqng tien luu lhOng. rh! hep hay md rang lin dung tao thud. lqi ha) kh6 khdn cho hoat d6ng rin dune. vai tfn cia tai $,ir nsiy cdng trd nen qu.n tong rone giai doan phiir t.ieD ntn kidh r€ rhi trudng. diic biir ti rong giai doan d;l ntr,c tian hiinh c6ns cuoc c6nSnghi€p hon hien dei hoi.
2 . 2 . 1 K l a i n i e n v C l i i s u i t li n d t r - n g .
M n r rr o n p n h i n J In a , ' n e h r ' , 1 , I o r h o r l r n n \ i d : n h i g u d r , t d r n e p n i l horin trd cho ngvoi chuyan nhuong m6r tuong giri rri knr rron gii ki ban diu. phin gi, r ' l d ' n h o n c h n l ' d l o i li ( r n J r n S l. i . r . r r n J - g , h r . r h L p . " r i g r o : d i \ . ) p h ; i tii cho ngudicho vay. Loill-rc rin dune droc coild nril hinh th6ibi;n cna eid cri v6n !ay. vi no phai tla cho gili rri sn dunS cii v;n vay (d6 chinh li khi ninS drit rd sinh l d h o a d ; p u n g n h ' r . r u li i I d r : r , , . 1,. ur. In u--J \nng bien J o . g rh c o q r a r h e cung cau ren tli truons varr nhu Siii cii hins hod th6ng lhuong. Nhmg ldi ll'c lin dung chi Id hinh thii bi tu cna gi, ci viin vay Dit theo nuc d6 td hinh thr'rc gjd cd phi
j . v i n d . h . p h T rrd cho gi.',,, .u J. e m1 lh.{; .r"i t; q y<n 5.j huu c.:i8 $org phi quyan sn dung \inh vian .rd chi li uo.g nra,r lhoi eian nhjr dinl lon nra ldj Lrc tin dune cnng kh6ng phrLi ld biau hi0i bins rian crla gii rri !i5n vat nhr gi6 cd hdn8 ho6 th6ng rhrdns md n6 dOc lip ruons d6i hry nho hd nhiau so vdi gi:i tri v6n v.y. I o i r , r ! r , n u u r s t ; s 6 r, v e r d . , ' . " . d i b i i , h
" , ' , . . { , , j , h r o n g q r . I \ r ' . i u i . t r n d d n 8 nSudirasndlre chiti€u trdns d6i h liisrir tin du!8.
Lai sfir tin dung ld l! le % sira sii ri;n n,i ngda'i ili vay ph,li lrd cho ngudi cho vry (lgilfc) ftn r6ng si rian vat sru mir rhdigian nMt dinh st dung s6 ti€n vay d6. Laisuar tin dunscd rha droc rinh rlco thinghoic nnnr.
T , o n c r , r , r i L t : ! r . . J u , . , . q u r n n : c . n , h . n i n h ; r t i 1 I . u i ' 1 1 d L n g t ; r i t i o o so sdnh gita s6 ldi lnc lh! dudc vdis6liaD bd ra cho vly rlong m6t thdiki nhiitdinh"
5 6 l o i r n c d . t u r c t r o n g k i
S o I e n \r J fhat n rron! [t
]HO8.HKTB
Trons d6 loi tric rin dung Id s6 tiai ngrdi di lay phai ri cho nguc'i vay. ngoni phan v6n g6c sau lhltigian sn dung liJn vay har nnicnch khic dochinh Idphin gidti n n g r l e d i o \ ( t , r d n 8 o c n - n c ' , J , \ l , \ r ) h ' i l ' r o ! .n r | | r o ' eLn nh:r Jrnh.
Lai su,r rin dung IiL crriliOu dic bier dtinh si6 nirc dO toitnc clo hay rhap khdc
2.2.2 Nguy€n tic r'ic illnh |ti su;l:
2 . 2 . 2 , 1 N g u y € n t i c x n c a l i r h l e i s u A t h i n h i h n n h qu.n h€ cung - ci{ tiCn !.y.
Cunslian vay chiu ricd6n8 cna cdc y6u t6: + M'ic thu nhap: sv Cia tdnC rhu nhap rong tiar du lhi'a ngolii chi riar d;n da. su rdns lon cta
t h e o c o . h d t h i t r u i d g c i n c f v i o
+ Mtc l4b phnl: sli gia tdng lam phil Iin cho gi:i tri thuc td cna crc khoin dan S i J T \ u t n g ld n c h o C i i j n i c r L n J d r r i r r h \ i l h r . h o \a ) g i . i m . . u n j l i i n g r a r r . dAy Eisuil ting Ien.
+ M'ic lLli ro crla viec cho vayr khi mL?c rrli ro cho val rlng l€n, sidm bfi viec . h o \d ) . c u n s v i r i a . . \ i ) g r n d . ) Li ',j r d,e lin c... .
* CIn ct viro droi han chovay:
I : L i s d . i r , . n d u n g l . : , . , ; r i d ' , n g r , . r g h . ' n It r s u i r r d u n E d d r h a n l.CAn ct vdo co che liiisuiil dtrmg:
I j l i r j s , ; r l" m p l - r l t , - ; h u ) J , r e L a i . u ; r c h o v r y \ o n D , n h q r i n 2 . 2 . 2 , 2 C n c l o o i l a i s u i t l i n d u g :
' I
r e n h i r ' r n ; \ , , l l h i n 8 l h r o n L ! o c . c lo x l; r . u r r $ u a ; y
+ Laisuir cd bin: ri ldisuar do NHTU cdng bi; li,m cosdcho ciic NHTM vi c,ic t0 choc an dinh kinh doanh.
+ Lai suiit siLn va Iiii suir rrinr ld ldi suiir fiip ihil vir c.o nh:it lroDs mol klug l , l i c u x r n a o J o r " N l l l L l o n d i n h c h J . ; \ l ' I V q u i d i n h r r o r I h e rt o r g , u r r o nhim 6ndinh ncn kinh ta quijc dan.
Den kinh rC se hn l'ng c6c khod cung lien var qua dd kdo liisuatha
IHOS.HKTB + Lai suiir r,i chiat kha!: Ii lii $,iir cho vay ngin han md NH'|U ddnh cho ciic NHTM . lrong lnrolg hqp cAp lon cho chnDg thOng qua nghiep vu tdi chi, khdu ihvcrng phitu vi gi y rtt cO ci6. Lii$,,i1rii chiat khau h lii suir cUa NHrM de.a tn dOchlne;ndinh his!ftchidakh6u v,i lrisuir chovay kh6c rrong khung lii suAl duqc
+ L d i s u a t t d i c , i r ! a , n : l d t a i s u i i l d o N H T U ' d p d u n s t e n k h u l n i c , i p v 6 n .
+ Lai s;t daDh nChia 1:1 lai suAr md neudi dro lay duoc hu6ng, kl6ng tinb d6. bien ddng tien te.
+ Lrisutir t h u c : l , i l i i s u i i t M u k h i d i lo ? i h n b i 6 n d 6 n g c i a g i n l n d a n 6 n h u Ie D phiit hoic Ien si6 tlitian re.
+ Laisual ftn thi trudng tien r€ lien nsan hdng: l,i lii suit mua bdn v6n gina c6c NHTM do NIITLidiau hinh v, iin di!h.
2.2.2.3 C6c y6u t6 nnh hunng dan l:iisu{fiin drne:
+ cuns du va dan vay.
+ Mtc .16 fl:i ro r.ons viec hoin tri va)n. + 56lugng vay vi thdiha. !ay.
+ Mnc sinh ldicna nen kinh t6. + Ihu chingan siich.
+ Chiphihoar d6ng ngAn hdrC.
* LAI SUATTIiN vAY NGAN HAN 'Crn
ct llOng tu 0I/200/TT-NItNN ngiy 23/r/2009 -Hutug dan va lai suit lhod thuen cirr t0 chitc tin dnng d6ivdi dro vay cic nhu ceu v.in pl)!c vn ddisi5ng, cho vay r h d n e q u a n g h r r \ u p h a r h A , I \ x \ u ll n c r h i . r . , d u n t .
crn ctbien baD hop h6i d6ng qudn ti ngiy 05/02/2009 va viqc thvc hi€n th6ng ru 0ll2009[l-NHNN ngdy 2y0112009.
L s i s u 6 l v a y n g i n h . n d 6 i r d i n h u c ; u nhd q. mua ciic drng cu. rnuong tiCn phuc dnng,....) dudc tinh nhu sau:
phq. vu da,is6ns (mua nh,i dad. nane cdp vu ddi s6ng, sinh hodt sia dinh .hdng ti€u
THO8-HKTB Cho vay thc cMp (c6 chnDs nh6n
sdn chinh $tc ding k), lai phnng
Cho vdy tin chlip (c6 chring nhid tai sin chinh thL?c dins ki raiphumg)
r ? ( 0 ; 1 h i n g
cdn c6lian gticho qui tin dung nhin d@ phudg 6 ph,L hdnh
Ldj s!l]l Iiengni + 0.3%
* LAI SUAT TItN vAY NGiN HAN
Cdo cri quyet dinh s0 172lQ D-NIINN Deiy 23101/2009 va miic hi su:ir co bin
Cdnctbien bdn bqph6idins quan hingiy 05/0212009.
Lai \ujr .l-n rd) n8in hin dni v.ii nhu !.iu \ir \uir. tinh doalh dudc r,nh nhd
2,3 PHAN T|CH THUCTRANG HUYDONG VdN VA CHO VAY:
2.3.1 Phnn rich thw trang huy .:tOng v,in vAL cho vry td quy lin dlng nhnn dan phuimg 3.
* Ngtrdn a6n:
vi5n Id ydu t6 kh6ng fia thiau diii vdi sd phrr tridn cna nan kinh 16. ti nOr 1rcng nhlnsyau t6 quya dinh diii vdisulhinh cdng huy thiit baicLta sr dghiep consnghiep h6a hiiin dai h6r cna ddt nudc. Ciidg nh( dt cn cdc doanh nchiep c6c rtm vi kjdh
'fto
cbap c6 chring nhin lii srn chjnh tbtc dans ki l?i phong lii nsuyen mdi
- C6 ch'rng nheD tdi sin chinh rhL?c dloe ki lai phudng
' Chua c6 chDg nhin tii s,ln chinh
TIIOS-HK]B
doanh khrc. qut rin dung luon xen v6n Ii ldu ti, itac biCl quan trone n6 quy6t dinh sv hinh thdnh ldn tai !i, phdt ridn dtr mit td chnc.
C6ng tic huy d6ng viSn dlqc xic dnnr td m6l hong nhnng chi lieu quan tong cna qui 1in dun8. Vi viy di ip d+rg r6ng .ri cdc hinh lhnc clne nhu.iic bien phdp huy
dOng. nh;n chn ding khai rhiic rriar dd ngujn vanr ram thoi nh,nr r6i rong drn cu. va hinh thfc huy d6ns cing di ilP dung nhieu hi r rltc d. dans nhuvithdigian ldi sual
dC thu hLil khach hdng kin rheo fl,ong ci.h rhuc v! gi.o rii:p Didm nd. nhiar rilh cna .loingii nhen vier trong qui rirr dung.
' l u )
n h , c n r o - e rj . l . y J J , ' r \ o r , \ i n . u , , \ a . c h i d o n , J U d d n r h u o n r c a q L a n nien'var b:it Iy$en" nen hochua c6 th6i quen gdi tan vlio qui tjn dung dd hudne lai sual va lqi nhren rhip hon so vdi vitc kinh itoanh cna ha nen ho r6p chug v6n vio s i n s u J r l , n h d o a n l . D o d , , , \ n n t , r n , u , I i e d i n . u c J n , , t r i u n h u n g d ; h , J d 6 n g aluqc n6con ndrlan dekh6 khln.
IJoat dong kinh doanh tidn t0 gin lian vdi hoat d6ng hur dong v6n vi, cho vay \ " n L o i n h u i n r h u u u g , r l . . . h e n | i i r . u d c | i p h 1 . . ) d A l e \ o n \i t . t i . u t r , \ o v a ) v6i phumgcham ".livay dC cho ray" Qui tin dungnhAn dAn phudg 3luon rim cdch d€ lhu hit ngutu tian gdi. .liu tu vilo bins nhidu hinh rhtc hu' d6ng da phuc vu hoet
Nsuon von cr:ia Qui ri,r dnns nhan din rhuone 3 duoc hinh rhinh ru b6n n-puan: v6n diau le. v6n cic q!i, !6n huy d6ns !!l v6, !.y 16 ch(rc rin dung. riong l6ng n g u o n v o l , i " q u i . i n d r n r l - r \ l r , rh : \ ; n n n ) , l n r s l. r i r q - n l . . n s \I n o d d n g \ r l It' to ldn. quy6r di,rh su chn d6ng lrcns vi!:c diu tu vi n6!g cao hi€u qua hoat dOng
B:ing I: TiDh phu@g 3)l
hinh ngu6n !0n giai doitn (2008-2009) {nguon Qui tin dung nhan dan D \ t : r i L d d n 8
Chi riau So sinh 2008/2009
THO8-HKIB l VHD 7 . 5 6 5 r 6 . 8 1 l 9.266 VTCTD 600 -600 I 0 0 5 VKH 275 t 7 7 3 t , 2 T6ns cong 9.082 t 8 . 0 7 7 8.995 99 C h i c h 6 ; VDL:v6n dieu lC vcQ:vijn cdc qut VHD: !6n huy dong
VTCl D:vdy 6 chfc tin du.g VKH:v6n khiic
Qua bins s6 lieu tren ra tdns ngu6n v6n cna qui tin dung nhan dan phuidg 3, qua 2 nrn dau tang nlifr d"i darn bio cho hoar dong cho vay cna qui tin dung,nhucau vay v6n crh ngua'i dAn tong dia bdn.
T6ng nguaD v6n cr:ia qui Lin duns rinh d;n ndm 2008 tir 9.082 rieu dijns, nrn 2009 dal 13.07? lri€u ddng mric ling so vdi ndm 2008 ta 99% su 8'a tdng n{y da gir:p cho qut tin dung vua ddm bio horr done lien ruc lna d6p ring kip tha'i nhu cdu v6n c,ia ngudidin, nsuyen nhan qut rin dungrlAitdngv6n hoar dong len Indo nhu cdu va v6n cna khtich hdng ngiiy cing l,ing va dd ddp rng duqc nhu ciu vir muc tieu ph6t ridn . i a n i n k i n h r e c i r ' , J , I ' p 1 . 6 . d o , l o , , i . d n g n g u d n \ o n r r , n 2 0 0 0 d n 8 8 . o o 5 r d i u d6ng so vdindm 2008.
l r c 1 g d o . r d n h f d o n g , , , d 1 b d . 1 r n \ r ) 8 td - . 5 o 5 , r i e u d o f e . n 6 m 2 0 0 q i 16.8ll tlieu ddng ung 9.266 trieu d6ns tfc linB 122.5% so vdi Dan 2008. vi5n huy d6ng c6 xu hu'ine ldng hinS nrm. ddu niiy cho thiy u! tin vi quy D6 loal dOnB cna qui tin dung n8\ cnns duoc ning cxo.
Neu6n v6n ttug ctr drd ld do do.ih ei cho vay vi du no hing nam dau t|ng ilo d6 D8uon v6n cia qui tin drn8 phii .irne rdng l€n d€ phuc v! cho c6ng tdc tr€n. Dd cd duG kat qud nhu viy IiL do qui tin dung da thh cuc t.rnh thn su h6 rrd cna chinh quyan dia phudg. sr nhiet rinh giip dn ota cdc ban nsdnh dorin th,: vi qui tin dung
THO8.HKIB
ttns budcngancao chir luprg phuc !u da luOn git vnng nien tin d6ivdikhdch hdng. lEng biphumgtien va doi ndi cdns nshe clo phi hap v6ilinh hinh ndi.
* Tinh hUh huy r!6ns v6n:
Qui lin dung khi di vio hoar d6ng lhi rhdi cd vdn, ngoi,i v6n t{ c6 trong qui r r ' n l - h o d t d o n g . . l u r 'r r d ' r n g \ o n o l , i r . J r n r . 8 n h ; u n t r n l r . n t o a c rl J . r lr h F n Deoai. Vdn hry d6ng la ngudn v6n chiam ti trong ld rons c6c qut tin drng, n6u qut lin dung pbit huy tait c6dg tic hny dOng !60 thi khdng nhiing rnd r6ng cong t6c cho vay, lrns cuimg von cho nen knfi l0 Di con nrans t?i cho qut rin duDg nhicu loi nbudn. dane lhoi rao deu kion 6t cho sr canh tnnh gina crc qui tiD dung vi ngan
Trong nhing Dim qua mic diL ki,rh la dia phumg dans rronggiaidoan xar dqng vi phdt r.i€n, rri:n dia biin c6 nhiou qut lin duns vA ng6n hing rhuong n?i dao xen h o . r d o l g \ I I ' u ) d d n e v ; 1 \ o l . . r d . c r o , o n | | u - E \d r q u ) a r r i h \ l ] L y . r n c r l d b a n linh dao, ciin bO c6ng nhin liiD vri su Llng har ri' nhieu phi. qui tin dung da rich cuc khaithiic l6t cdc ngu6n vin laidi. phudns ri,din cu, td chLic kinh rddoanh nghi€p dd Iuy dong vdi nhiau th6 thnc lian goi knn rh{ cdc ting pM,n, liat liem du thumg ... da lrng s6 du tidn gdi. Cu thi li,lirrh hinh ngudn v6i huy ddng cna qut tin dung giai doan 2008-2009 nhusau:
B,ing 2: Tn,tr hirh ngndn v6n vn huy dong r6n gi.i doan 2008,2009 (nsuin eut tin dune nhandin phui'ng l):
thi so sinh ndm 2008/2009