2008 2 0 0 9 Sar tien I . I C D C 7.+75 l 6 1 6 l 8 886 l l 9 . K K H 25' i 6 l 104 l l 7 - T C . l 2 T 5 . 9 1 0 2.958 7 . 0 4 8 l t 9 - T G 'I 2 T 1 . 1 0 6 2 . 8 4 0 1 . 5 . 1 4 I l 7 2.TCTCKI 160 l l 0 | \ 7 . 0 2 SVTH:Nguyan Cdn Tuyan
THO8.HKTA
KKH 160 170 l l 0 565
TdNG ceNc 7 . 5 6 5 l 6 . 8 l r 9.266 1 2 . 1 5 8
G h i c h n :
TGDC:lian goi dan cu KKIirkh6ng ki hqn
TC<l2T1ian gdi dudi l2 thing TG>l2T:lian gdi rren l2 thing
TCTCKT; rian sdicic rd chr'@kinhla
Tong v6n huy d6ng taiQut rin dunB nhAn d,in phuong 3 ting dau qua2 ndn. Cu r h i n l d ' 0 0 8 d d r _ . ( o ' r r : u d o , . B J e n f r r 2 0 0 o d d r t o . E J t r n i u d o n g r u c r d n g t 2 2 0 o sovdinam 2008. Ncuyen nhinnsuon v6n hry d6ngliDgh do qui rin dung n dric6c mfc lai su;r cho khdch hang. Khdch hine ri,l rian trudc rhdi han dusc rinh nL?c Ei . u i r rri r5v' diirr . | ,ie- vdi nr' c I e', ,\.il d;,, tr r,;f , rn \di th:ch hAner{i d i a phuorg th6dg qua luqngtiin gdi.
* D6nh gid hoft.long btry ningv6n:
Hi€u qud ho4l ddng huy dOne v6n d&c xcr! xdl qua qua nhiau ydu rij. nO cOtha tudc tinh toiin blng cic chi tieu cu rha Dane linh dinh tuqng. hoic lha hifn qua khi n r n s r h u h u r l h r . h l ' l l s . v i i c r 1 . n ld i r m u c r i e L ^ , n h r a \d I o i r h e o d . n h h u d r g c i a dia pbumg...trolc da rai nay, cD chi ding cdc chi s6 mang tinb chit dinh luqng dd dinh gii hoal.long huy ddng v.5n cia qui tin dure mot c,cb khri quiir.
Bnng3: Bing chi iiotr d{nh gii v(in huy {tong (ngu6n qui rn dung ND phudig j)l DVT. triiu d6ng Cac chitidu N2ln 2008 NIm2009
9 082 1 8 . 0 7 7
7.565 r6.EI
Triiu d;ng 8 . 1 9 6 t4.t77
THl]8.IIKTB v6n hDy dong46ngneudn v.jn % 8 l l ,.1 L
v o n h r J d L , n d d u n q lh o \l ) i
, " 9 0 . t I 1 8 . 7
*Titc hny dons/r6ne ngndn viSn:
Chi tiou n,ly cho chung la biar nsudn v6n cLia qui tin dung c(l ph! thuoc vio v6n dau lC, v6n vay...hay kh6ng. Nhin chung, rt yi ndr co su rmg truoDg qua I nrm, do n l t l s n g a . , l , d . c h \ - J ' n e , o ) p f j o , J . u r h d , irn. n.:o hr r;re cins ngdy h o : r rhicn. Nrfi 2008 k 83.3%. d6n ndnr 2009 It s6 nay Id 93,1%. Qua d6 $a hicn ngudn von huy d6Dg 16r cao !i khorre phu tlru6c nhi6u vao ngu6n r6n klr6c Tuy .gu6n v6n (Ong d.t duqc vditi tongcao vd didu dtingkhictr tO li doinh y; huy dong vin ri6p tuc , 1 r I J i i u . . i . y . u n s f . l r t - i n o i q ' I n J ' r n s , i . r A o . . r J ; n n t d r h u ) d u o ! D U r rra. tiancta ninh rong xu rh€ hiiinhiiD.
r Ti lov6n nuy dins/duno.boray:
Chi ri€u niy xdc dinh hiau qui diu tucLta n6l da,ns!6n huy d6ng. N6 ctro ta biat khi naine huy ddng !6n.i., qui tin dung d dlp tne dLl nhu clu vlry vijn cr:. qut rin dung hay khong. Ta lhriy d le nin ?008 li 90.1% giiiD 1,22% so vd nrh 2009 ti tC ndy ld I18,7%. Qua chi deu clo thiiy ri.h ninh huy d6ng vnn rai qui tin dung di6n ru 6t 16! diau nAy cho ta thiiy c6ng ric huy ddng v6n vi, cho vay khdng phu thuoc vao c . h n g r o r \ o n l h x . . d n n 8 ' \ n . r . e l ' o , l r . , r ' r , l ' h i i u q u x t r u r r \ i ; c . r i d r n g v o n . 2.3.2 Thtr! tr?ngcl,o vay rii qni lin d!trg ntrin dtln phunrgl.
Doanh si, cho vay li tdng s; ria! mi qut tin dun8 siii ngin drdi hinh rhnc tian m,lr l.^,rr cluyin llo. n Lr's rno. krro.'1, .',i errn rt.:r d nh su rang rruong cir d o d n h s d c h o \ a * i h i i , q u ) , ' , i n e k . o , e !,.,,.{ d rtjr r.n a,,n,. \ r u c J \ r j n d u n S c" ngudn vdn nanh lhi doanh sO cho va) c6 the cao hm nhieu Dn so vdi c,ic qui lin dune vO ngtriin v6n nlo. Do ban chit hoat dOng lin duns vd qut tin dung ...ti vay dd cho vay . Vi rh6 vdd nguan v6n huy dOng d(dc trcne m6i nin qui rin dung can co nhtns bien phdp hnu hi€! da sLi dung nsu;n v6n dd thdr hieu qua nhim liinh rinlr l n n g n d 6 n g v 6 n .
THOS.IIKTB
Qui 1in dung lLbn d6ns vai trd truns eian tiin te. d quy rin dung nhiin dan phuahg 3 Dgu6n v6n huy d6ng ln cic tirs lfu dan cu !n cdc thinh phan kinh d kh:ic nha!, vd dusc tap lrung cho vn! chi y6u nhnns hO ndng dan va nhing h6 kinh doanh b u 6 n b a n r h o o n o n r o i , rl ' r n ' l , o - s n h u n g n r m q ' . - b ; n g h o r d o n d r i n J u r e c i o m r n h o u j r j n J r l s n h ; l d l ' D h r o r . 8 1 .o muc r i n g . r , , n r rs o \a o n a i n h . d a lh i r s u c ; r , h ; r \ ; l a n e r o : b " n d i n 8 h r n n c u - , ' t u u , J . i I ' i i h rhi' lrc Vinh.
Song sonS vdi vi€c huy dilns v6n, qui tiD dung da $i dung c6 hi€u qud ngudn !6n huy d6ne la ddp irng nhu ci! !e v6n cLir cic d6iuqng khiic nhau.lrong nhnig nan qua, hoat ddns cho vay cna qui tn' dung nhin {lan phudns 3 da cd nhtng budc , h u ) a n b i a n r i c h c 'c \ i d u o l , h ; ,H n h . - c .6 li i J d o a . r h 6 c h o \ a J q u . 2 n r r . B i n g 4 : In h h i n h c h o r r ' c u ! q u j r i n il r n g g i i i d o i r n 2 0 0 8 - 1 0 0 0 I n g u 6 n O u , r r n duns nhen danphuorg3):
DvTrldeu dOnC Chi ri€d 2008/2009 2008 200, Si tien l 5 . 9 l l . 2 8 . 7 6 7 1 2 . 8 5 4 8 0 . 7 12..234 21.046 1 0 . 8 1 2 88.J 8..162 1 4 . 0 6 5 5 7 0 1 68.2 84 r0.5
Dqa vdo bang s0 1i0u ta thay domh sd cho vay qua c6c nim tldu ling, chmg td lu@g khrch c6 nhu cau v6n sdn suat d6n vay qut tin dung ngriy cAng ldne. C{ $a nam
2 0 0 8 | a l 5 . o l l r i i u d o n l $ - ; - r i 0 0 n d d r 2 8 . _ b _ , r i . ; u d o i e r i l d r n S 8 0 . 7 0 0 s ovdi n,1to 2008. \r'De1 r,l';n chrnh li oo oL) r'r 'l.n'J rl-o \d) vdi Inuc Li ui. phir vdi n,1to 2008. \r'De1 r,l';n chrnh li oo oL) r'r 'l.n'J rl-o \d) vdi Inuc Li ui. phir hqp vdi khi n?ine chitd cna,rgtri,id6n c0ng rlu d6ivdih6 kinhdo.nh.
l u ) n h i i n . v o n 8 c o J i , , J t r \ d y , - a q u ) I n d u n g k h o n g c o c o , s | , h o v a j d d i h a n . o d r ) h n h r r u . , I ' o , a J n g i n 0 i r c f ie , ' , , , , . \ f h . - ' r i . v r n g d b n r d n v a ) p l d n
27
l H 0 8 - H K m
Idn l,i nsri,i dao sri dung de nrua sim vir tu n6ns nghiep phqc !u san xuit, chdn nudi...ding cho mot vu miia, phiin ca,n tai danh riOng cho deu dnns vd cnng nhid h a n c h e m u c l r i . u ; r rh.iirri ! r o . t u ) In d , d e d 6 n g r f r , h r n , t. i r u i r o
Batrs 5: Tini hlnh cho vay ngin hin rl trung h?tr giai ilo?n 2008-2009 (ngu;d QuttindMg nhan dAn phudg 3):
D w rriiu d o n g
C h i r i a u 2AAA2AA9
2008 | 2009
cho \a) ng:n han 7 . t 8 7 I I ?9.1 4.606 62.4
975 2 . 0 7 2 1 . 0 9 7 1 1 2 . 5
T6ns cons 8 . 3 6 2 t 4 . 0 6 5 5 . 7 0 1 6 8 . 2
Do.nh s0 cho vay ngin h.n fong nhnng neD Nrm2008len ddn ?.387 t.ieu ddngntun 2009 dal I nam 2008. Nnn 2009 doanh sd cho uy ca t6c d0 nan2008.
Doanh s6 cho vay truns hen rdng khdng c.o. Cu rha nhn 2008 IAL 975ld€u dang dA. ndm 2009 cons6n?,y li 2.072 trieu dbng tine lCn I t2.5% so!6indn2008-
Nguy€n nhtn sau xa ld do mL?c lai s;r cho vay trung h.n cao hm mtc tai su.i1 cho i/ay ngin han, neD dnh ludng den nhu ci! va'' vijD crla ngudi den vd mO1 phan cnng li do vay ngdn han chi€m ti lQ ldn hon nen khi cho vay rung han con s6 nAy Biam xu6ng. Ngoni n do ciic khoan vay hune han itan han rhrnh todn lrong nim vi \ha na,ng ddp ,ir8 v;n r,u,,s l:r ! ,i qut I. J.rr' \o I,h;n h.'n che. mor rt-;r do lijc kJroin v.y kuing han lrudc day do cic ha !.y phAn ki tra nd kh6ng dinc thco hqp d a n g v J J r; - n E u d n v o n . l i u r r . h o n r ' e \ c ) . 6 \ o i h o .x ) , t - i ; , f d u r g r r o n 8 r h o l s E q d d . c h C n h 1 , " . h l i i \ r ; h ; p . r, i r o r i i - r x n . . ' ! n i n d ; r r u ( h o m i n g \r J n b y kh6ngnang laihieu qui caonhu ,nsdqj.
qua co t6c d0 ttng trumg khA cao. l.993lrieu ddng ting 62.470 so vOi tdn8 lrumg cao hd nhiau so vdi
THO8.HKTB
2.4 NHiNc THUAN LoI vA KHo KHAN ciA QUi TiN DUNG NHAN DANPHIJONG r Lra\ et 4\ Da\ Hl \ De\c \o\ vAcHov4y. PHIJONG r Lra\ et 4\ Da\ Hl \ De\c \o\ vAcHov4y.
2.4.1 Thuin lqi:
, Qui tin dung nhan dan phtrdg l. rhinh ph6 Trd vinh dudc .tit rei s6 15 ddins Trin Qudc Tudn. khonr 4, phuong l, rtr,iLnh phi Trd viuh r.o diau kien thuin tdi cho viecsiao dich gina quj tir dungvi khdch hilng.
D u o c r u q u a n t ; m c l J . o . l d n h d , , o J i . , d o I t r I n J r o n 8 d a n d L p h u o n g m ; trqc riap lA NHNN chi nhinh Tri Vinh. rhuoD8 rruc ih,inl ui - UBND lhaDh ph6 Tri Vinh vd Dang ui - UBND Phuitng 3. Qu! d6 dda eui tin dong nhan dan phunig I .ti viohoardongOn dinh vi hiqu qud.
- ss .rodn ka nhal ri vi Iu6n neu cao linh thin r{lch nhieuft cia $ng cdn bo. nhan vien qut lin dung lronS vi€c rhsc hiOn nhiam vu duoc giao. Ddng thoi uinh ito chuyCn ndn nghiep vu lnngbudc duoi ltin8 ter.
- Str u n n h fl n c u a l l . . . c h h . . , ; $ i \ o : q r r r , r J ' , n s . r i d d v o n h u y d o n e t . r n g . d r khii nlng diip fng nhu cau $i duue !6n cLi. qui rin dun6
- Su frdrODgcocha chinh siich cho hoar diDgcrta qut tin dune ngay cing thrijrg rho,,rg, phu hqp vdi co ch6 thi tddDe Dhung lin dznn bno .n toi,n vrL sinp qut tin dunephil huy quyin tu chrl cna minh de lhg btr6cluon len.
- rrDh ri. xi,,.r.. I nin]|. I x r . . r J i j p I r d t . n J i r . r d o i 6 n g l s r o r d ; n n 8 ; y ciing dudo nangc.o, chln nudi. sir xuir rhtt trian.
- C ne vd rlr do ri.,g n,; (ua nan ki-t ri. dornh . ; chn ral crta O u t I n dung nhen dAn phuimg :l da ring qua cic naim. ddp fng kip ftoi nbu cnu vijn cia thi lnrdrig. Doanh si cho vay oniimsau lu6n ting c.ohon sovdi n2h r.ddc.
- sonr \inh cune \ ' i , 1 i . d d rl n S , . - e \i.. doxnh \ l r h n v a y a ( . r n s rudne ci t6De du nd rin dune.
- Cd ri le nd qu:i han tr6n r6ng dr nqcho !.t rhilp. eny tin dung ttr tu6n dut rri m o t k h o i . d d p h d n s d C b d i p d i r c .
- C6 chinh sich cho vay hq p tt. dim bio iinh tinh hoat troog hoal .tone thuc t;; l6nlrongqulen tuquycr cla 8an Giinr dOc. di'n bioduc rieuquin lt ntiro tin dung.
THO8 HKTB
- Cd quy tinh rin duDs kh.i chlir che, rn rdng r.o diau kien rhuin loicho viec giao dich giara khiich hdng lri nhan vien tin dung.
- Qny tin duns da chut€d dich co cau doanh muc cho v.y: rrns 1t trang cho vay lhuorg mai vi dich v!, giin ri rfons cho ray khnci ring ti lronS cho lay ngin ha., gi,m ti rang cho vay kung han.
- He lh6ng vnn bdn c6 lien quan ddn hoar d6ng cna qut tin dung rrorg thoigian qua duoc $iad6idl nhii! mo hinh tan phdp li rdoDs d6idn dinh cho qui tin dung.
- D6ingn cin bO qui tin dung ca rrirrh d6 vi n2lng lqc cao, nhiet ti.h trcng c6ng viec, Bi u kinh nghiem. thuhs xuy!:n droc chi d.o cia cip tCn, tip fia c6 tinh thln doin kA hong c6ng viCc.
2.4.2 Kh6 khin:
C6 nhiau thuin ldi, $ng hoat d6ig kh6ng rha khOng trdnh khdi nhrng kh6 khrn xdy ra lim han cta hieu quA hoar d6ng cia qui tin dmg vd hiQn dang li vin da md ladh dao cen quanlam tdi:
- Dorinh canh tranh gay gIL giio c6c 16 chLtrc tin dung ren dia bin lhinh ph6 Tra V i i ' r \i . u l h n n g r h d d ; h . . , h o " r d o . , g ! l x \ l l \ , 1 . r d c . ^ o i \ u o ; r t ( ' l c t D q d t L n dung lrong li€c lua chon khdch hing vd ting du nd.
Vindaqudn li vimOcia Nhi nudc. ohiau vin ban,luir, du6iluatr. ddir.Jisra d 6 i .h u m g x ' , ) r l n h u n e d i . , n x ) . ; , , . r r , t . . i u v . r J r b r . ir k h o n g p h u h q p . c t u r dhil qurn vdi nhau. C6dg dc gi.ii quyal $i hinh an cnn cI6D ve thid! ki€n quy{ tii d6 niy sinh dn Ii so bi, chin chn kldr8 chiu ue ndgina nhiing h6 con.0gdn nhau. - TinI tlang qrd t,ii d6i vOi cln b6 tii dung nhit td ciin b6 phu rrch dia bdn xa. ph,titilp,lin han ch6 hieuqui tindung.
- Tru sd ldm liec d'i xuirc cAp con ni(rn cia phldne. chua rtdm bAo an toid r r o n g v i i ! | ' , ' h o o d r h r i i . r , . " \ J , t r h . ' ! r j r . . ] | o k 1 " . . t' i 1 s
-Viec kidm k.sndunC cdcm6n lrr chuatoan dien. d6n d6o vdxt ti noddd han chua lricr da. Mic dn kn6 kht. nhung voi kinh nghieo tictr Iut qu. nhiin nrm ho?t dotrg nen qutrin dun8 v6r vuol qur vn neiy cdnghoin rhien hqD.
T H O 8 . H K I B NbnnglhuAD loivit kha ktritr tren se d6i Drit trcngth?tigian tdi. Do d6. da c6 d'tng lihg rtudc nhnn-q khd khen niy. qui ril duie can phiii phiil hry nhnng rhuqn d i , - . , c r\uonp 1 , o n . . i h o ' . h ( ; r t . d i q , . r ' , n Ju,,c t._ne r i < , .
- T6c dii rin dlng nhanh nhung kan rtEo n6 1A r;c d6 rdng no qui han cnng nhanh, nhanh nhiau hdn tijc dO rrng rrdone tin drng; diau ndy da liim iti ro tin duns choqutlin duns nau kh6ng c{t siniphip phdns nei'a hsp r}.
,Tt lrongcho lry ns;n han quti eo, kam theo.t6lii ti IO noqu, han d6ildi cric khonn clo vay og:rn han chioin ry trong cao tone nd qui hi..
' Thry iliilrufc nhing bi6n d6ng cLia.lui tin drng cnn cham, do phii chocong - Co sit var chit, tanS Lhiar bi con han cha. chra cho phep qui tin dung.tiip fng hal ctc nshidp!u n6Lc6ch tlnran loi.
2.5 MOT sO BIEN PHAP NHAM Ni.Nc cAd HIEU QU,i Ho^T DoNG TiN DUNG TAI QUi TiN DVNG NHAN DAN PHUONG 3, THANH PflO TRA VINH, TiNH TRA VINH
Li n6r quy liD dune nnc tiou hdrg diLr h kinh doanh c6 hi.au qui mang tai lqi nhui. cao. Lqi nh&in ui hoat dong kinh doanh Ld ki qui 16r n#l da ddnh ei' hieu qu6 diu tu rin dlrng. Ben canh di quri rin dhg nh6tr den con rhrc hjen nhiem !u cna DOr q u j i n d u n g ( h l u , r r o n e q r x r r h . I n g . . i p \ . I ' n r n hiar q. - d;u I'r rir dune ! r t 1 qulr rin dung 8dn lien ldiqui trinh hien drihod cdng nghier ho6 rdnS rh6n.
Do da da mo r6ng vi ning c.o hieu qui cho val tai qui rin dung kh6ns chi ddi h , " n n u n g n ; ' u c . 1 , ' h i i r . r l : , r , , r ' \ i . c . u , ' o . r r , ' s u i n \ o , , h i E L , L d . k r l r h o . . q , u n li nguijn vdn chat che tao mai diou kii. dro kldch hing d6p can vdi nguon viin quy lin dune. nd cnn phai c6 su p1t6i h!'p cta chinh quyan dia phuhg. c6c ban nganh c6 lien quan trong viec rhnc dit slin xuir ndns nghi€p !ina)nsrhdn.
Md r6ng lin duog ften o sd nguon r6n hitn co cL]a qui lin <lung vdi khi nrng buy d6ng vijn. Vivay, cdng rdc huy d6ng van vdi nhiau hinh rtrlic vi bi€n ph6p dd hr hnt khoin ti6n gdi nhin r6i rrong din cu phuc vu cho yeu cin v6n cna nan kinh ta la hainhiem vu rfons tarn ci. Qui rirr durg nliln din pluong I rrong rhoisian rdi.
thi:
THl]8.IIKTB sau day ld m6rsObifn phap nhiim md rOne vi ning cao hiOu qui cho vaytaieut lin dune nhin dan phuog 3:
2.5.1 BiCn phip nengcxo ngu6n v6n huy dong: 2 . 5 . 1 . 1 T 4 o s I r i n n h i e n r d 6 i !6 i k h e c h h i n g :
Mu6n rhtrc hion mOt c6nsviec ndo do tudc lian bdnthanminh phairao duqc chn r i n r, o 1 8 h ' . i d n n e k . n h d r ' r ' l ' , r c m n h . f t , r s r o r r . r r . u r I n n \ b ; n 8 ( a c h n , r d6dg c6 hit! qud. 'uln li cna khdch hitng gdi ridn vao qut lin duns E tao su an rern. dim bno di san cn. hinh duqc ddrn blo c:nr rh6n, moc dich thu tqi nhuin tu6n di sau can sii. ar todn. I.ao cho khrich hing cinr gidc an roiin ve qui tin dung sau khi ridp xrlic laD ddu tien. D6i v{''i khich hing cii c?i! quan rin rtrdns xlyen tao n6i quan hQ than mArduy rrituqng khiich hing ndy.
2 . 5 . 1 . 2 C l d n h s : l c h l i i s u i t : 'fin
dung cin c6 n6t chi r s6ch tai suit linh hoar phn hqp vdirvng Li te lem phiir tong ride thoik'. Hien nry,qui tin dung fhiichiu sucanh t nh cna cicqui tin dung llen dia ba'\ da huy d6ng !6n duoc r6t qui ri,r dune plii in dinh tai suit o mtc cho phfp, tr1lc lii lna cO lha conh tmnh vdi qui tin dlng khiic. vna d:nn bao lqi nhuan, Ei suiLnhu mor ddn biy quyal dinh dinh d6ivdivi!!c huy ddn_q !,tn.liisufucin phiicao d e c 6 t h e h u y . l o ! e d u o c n h i a u n h m e p h i i c 6 l o i n h u i n
2.5,l,3ChiCn Iudt kh:ich hnng:
Khdc hang li nhiin ri quyi dhrh s( r6n rai vd phdr llidn cia quy rin dung hoar d o n 8 c o h . u q r i r l ' i q , i I n , l . r ' J , , , r i i r k : i r I n o ru n r .t r J I n l . c h ; r lu m t t t - J J b r l , i a r n r . h . V . \ j l o u j , - d ' , n B l , o , . . l 6 r o p ' u , a ' s r l , n \ c h i i n h r d c . c t - , n h s r , h k i h o a c l 'o 1 ! u n r r h , a k i r i rl'u tr| \,, I in linh ri rl i r,uog. \n q-) ju.:r . a n h lranh vd phir huy dia bin ho?t iiong cLla ninh nhinr duy tri khich hing cn vA thu hit
2.5.1.4 DA dtns h6. cic ninh thic huy.iOner6n:
Qut tid dung cO lhe da dai-q hoa ctic hi.h rhirc hul d6ng vijn b;.e cach khu)6n khichvi€c hd rdns vi sn dung riikhoin tian gii, chrl yiu Lt dOjluong c6thu nhap an d i l l , . d d c b i i l d r J _ h , . , r ' n e h . : r \ i e n \ J . . . o . h u c l : n h r i .
2.5.2 MOt sri bi0n phip nengcao hofr donstin dqng:
THO8.HKIB Qur thuc te ve phiin rich loir ddng rnr dung qut lin dune trong 2 did qua, nq qui bm va! phit sinh vi rins qua cdc nirn. DAy li n6r dieu kion hi€n nhian nhien vi b6lctnrilkhoin cho vaj, nao cingc6 nr(jl xric suil nfir.rinh td sekhdnerhu h6idudc nd. Tuy nlien, lai qui tin due, ri le.q qud h.n lrar tdre du no !,n chiam m6r li t€ ' , i r r h j p .
D D l lar q : ci1 \ .. tu\ r n !L ;, ; t. rc hi;r rur f . l , s r i j c ( h o \x ) . . t , n h sich tin dunsthay d6iphn hop lditinh hnnr lhuc ra cLtd nen kinh 16 vit nhnnsfiay d6i cna cdc van bin phiip luatr rhuc hien tiit vd ph6i hap nhip nhdng gina c6c khdu lrong quy kinh cho vay: d6i ngn cin bd da ruis budc hodn rhien. hoc hoi ning cao riDh d6 h!,o vlin vd hieu biarxahOi.
Nhds lluc trang nd qun hnr lan phtir si.h vi r6n rai d b;l ct don vi cho vay ndo. Trong b6i canh nhu du va v6n phuc vu cho philt rriin kinh ta xa hOi ngiy cing tlng, d€ nang cao duoc chtu luqtrg. d.l hieu qua lrotrg hoar dijng tin dlng thicin phii c o n h . A u b i ; 1 o l , n J d n g b o . e . h \ n , l u ' r . . I ro r \ n " i , r ' h " f n h ; n n x n " , r n n g t r i i p v u tin dung, phong ngna.niro,
2.s.2.1 XAydlllg chinh sncl chovxy cd hiitr qui:
xay dvng n6t chinh siich cho vay nhim thuc hiCn nuc tieu kinh doanh cna qui tin dung, d6ng thoi hinh rhinh nror co cha d"i dim bdo nang cm tqi nluan !i han cha iii ro. Mdt chinh s6ch cho vay c;n phdi co nhiig qu' dioh 16 ring vd phdi duqc lruyan dar d6n r ca c6c b6 phiin rien quan ddn q!'' rin duDgdudihinh lhic van ban cu thd. chinh sdch cho!.y c6 rhd baogiDcic;-6u 16 sau:
+ Muc ricu vd chian luol !a lxrr .ton-q lin dung qui lin d!ng, xarc dinh mnc cho vay t6i da v6i cdc lo.i khidr hdng. ciic iglnh nghi ki.h te vt c6 thc dua n xen xdl nhiins lo.icho vay nhnng tiii siln bio dAm ri loai khich hArg di vay nti quy lin drne
+ Ilu6ng dan chinh s6ch vAL thrl tuc lien quan dan vi€c rinh tai su;I, phi vA thoi gian cho vay. Chinh siich tin durgphiixic di r duoc nguyen rit dinh taisuiip dung dijivdiOng loaikhnch hdng. phn ho. p vdi quy m6 cia r6n vay, khoin vay vr phu@g ph6p tinh lii tr(hs tng.
+ Xdc dinh r0 nrilc tinC cLh c6c khoin vay nnn nay so vd,i nr,n rrudc. Ti tong chovayso vdit,lis,:in c6 c,laqutlin duns.
IIIO8.HKTB + Neu r. c6c dau hi€u mi c6c khoin r.y c6 thi khiing (tudc hoan lfu dnns han vi crc bien pbit sini quya cu Lha.
+ Ngoii ra. chinh s6ch tin dtms cd rhd phai rhdn dinh fti quyan han cho va, d6i voi cdc nhin vien tin dung ri hii ddng dn dung. Chinh sitch cho vay. xzic.tinh trdch nhien cna nhan vien tin dung !a viec Eidi quyat ha) so xin v.y. mnc philn quy6r !n r ' , t r h n l r i r r d o . \ d n l ' i n p | o \ o . ' r . i ru.i e o -r1 ,'J-oryircuxi,rr\:rrogr.rnhu viiy cing xdc dinh rfticlr nhien ci,a hoi ddng rin dlne ri cich thnc quydr dinh hO so
+ Moty€u t0 nta oi chinli sich lin dung tren c6li xiic diDtr khu vuc tinh doanh
l i i m i r \ d i ; o I u - ; r r o \ D. Jru | \..h a'r q Li rn.uJr.
2,5,2.2 Th']I hiin il ) dn quy rrirlr tin dqng:
Th{c hien diy drl quy rri tin dung 06! nehir iir quan lrang trong viec h?n chd sai s{:t k}n ndng ali .o vri uarg cao chiir luqDg cia rung khodn vay. Tai cic qui tin dung rrong ha lh6ng cdc qut rin duns vtL'r'NAM, cdc quy rrinh rin dune da dusc ban hadh rddnsdiicl che vn.u rtrC hoii fieo rnns loairin dung. Tuy nhien. can phriichj tiar ho vdi tung loai cho vay. rirng lod khdch hing. ci,r c6 c6c van bin cho ti6 va hudng din lap id trnrh, hu{tng dln phen tich bans tuu chuyan tian rc ddng thoi ngtn chin viec hm sai, limr khdng day dLi 8:iy hdu quu xiu. l.one qud kinh thuc hien qu, trinh tin dung nen chU i cic vln da sau:
+ Bin srr c6c cq che ve rin dfrB vi nhing van bnn phdp tuir c6 lien quan d6n hoat d6ng tin dung cia nh,i nudc. ndn rhmrgxuyen c6 su kiam rra lan nhau tong vi€c thsc hian quy lrnnr lin dtng.
.+ N€n c6 nhnng quy dinh rij r6i duns crla tnrg khiiu c6ne viec. triich nhi€m cu tha c|ja h:'ne loricin bO lien quan rmrs nhiing khiu lh;n dinh, kidn soir vaxdl duy€t c h o v r J l L j l l c o r , r h t, , h . J i c d . l n h ^ , r l . n c c . a n6i q',i rn d Ing mx vidl rt rn cap niy ph,ii dem bio tinh hap li. lirrh hoat tren cq sd: phn hqlr voi m?ng ludi hoar ddnE. rlinh d6quin li, quynrO vi\ ch:ir tu@elin dung cir Inniqui tin dungt dic diam. finh chal phtc rap cla tndg loai khdch hingi diim bdo cho vay nhanh chinh xdc, phdt huy tinh cln d6ng cid nr6iciD b6 tin dung.
THO8.HKTB + xn ]i rehi€n c,c rrudng hop virham. tam sai qul dinhj rrdnh xu hrdng buone ldng cdc diau kien lin dung rfons canh tr.nh ndn loi kio, thu hir kh6ch hing c6 rh; din tdikhOngbiod:im chal luolgtin dung. rine ngut coru, ro.
2.5.2.3 Nang c.o chdt luongcong tic thiDr ilinh:
+ Nnns cao c6n8lic d:inr dinh rr!:r co ddi nnti ddne bd n6 hinh 16 chnc, hoan rhienquych6,qur dioh v:t cich thtc 16chic viac thiD dinh
+ Thim dinh l.i kIA! quan lrons de siup qu)r rin duDs.tua r. cdc quyal dinh diu tuhOlc6ch chudn xiic, rn d6 nang cao dudc chrit luone dta cic khodn vay, han ch; nq quii hin phdr sirrh. danr bdo hieu quirir dunglnng ch;c. Tu' rhudc vio diau kienthvc rd d dii bin. li'ne Ioai khich hdns ri dtr lin. ph(@s ,irr mi kbi rhdm dirrh du ,n, phumg dn cu rhd. ciin bd lin duns citr leD dung xenr xit tjrrh ho.r cic quy .tinh trong quy rrinh rhan dinh nhung phni llin thr:r diir dn viL chlic chd cic vjn da thuoc !i nsuyen tici tdnh thin <lirrh rui den,so siii horc kh6ng chinb xarc, ru do nane cao chdr IumSvihi€u qud crlacOngtic thirn dinh, tiiirhltn dinh.
+ ThuddS xuyen ciip DhAlcic th6ng rin !e kinh te - kt rhuir cric rh6ng rin du bio p l , a r r . e n c i . f J . , ' e d n l . . . u 1 . . r . ' , . ' r ' f h : J L n t L ! \' r r h . c o . r g r - c r ' J n d . n t , v d
+ Tang cuahg cOnC rdc diro tro bai duonC.
nshiem thin dinh. cho vay cho ciin b6 rin duns
! . i p n h J r r h < m r i n c h i i p ru v a k i n h
+ Nen c6 su phin cing, phan nhien w 6 dng !d hqp ti hm: nen rich biet bO phAn quan he cho vay khidr IAne vLtib6 phtin qudn li niiro rin duns rtaphaD ndo han che viec qui rai cna cdn bi, dnng lhdi lno dieu kien khach quan hdn tron8 c6ng ric tham dinh qula dinh cho vat, lhu h6ind
+ Quydr dinh cho !a) thco hudng nsiy cdng mang tinh chuyen nghiep hoi cao. l;i .tuj In dule dJ Uj "rs hi rhd,p ch d' ",i n In .lung d; \;. hang dui toi kJrdch Iang. Ket qui xep han se duoc $idue de xiic dinh gioihan tiD dung cho khrch hdng, xic.linh mLic d6 .Lli rc dd cd mric rrich laf d(rhonglop,y.
. t . 5 . 2 . 4 r h r - c h i i n d ; J d u c r c q u r d i n l , \ i d i m b . o r i i n \ , ' :
+ Edm b,io tien lay IiiL c6r thi6l lloig n6( hdp d6ng tin drng. Drnr bdo tian vay se ldm Bidm bdt lon that cho qut rin duns khi khiidr hing vi li do ndo d6 kh6ng thanh
THO8 HK'I'B loan dddc nqcho quttin dung. n6liid6ng liic lhic diiy khiich hing thrc hifn nghia v! ta nq. l uy nhi€n, cin b0 tin dung c,n nan nhd lA bdo ddm tian vay khiing thi: thay rhd r h o k J r : r J n B l u i n r d - c c u a l l r r . h h x n U . D , , , 1 " d u r g b d o e . r c t ; p r h u ; n m n l t h o : n vay fti lai nrong cha, ngubn trri nd cua;i cing lA liec rhanh torn bit buoc mdt rai srn oao dO lrdi qu)'an d6ildi didr ldnh dao mii chip nhan nlu mot viOc din b,io cho m6n