Phân tích hiệu quả cho vay vốn xoá đói giảm nghèo ngân hàng chính sách Việt Nam tại huyện Quan hoá pptx

Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
LỜI CẢM ƠN
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4!!:sinh viên nghiên cứu khoa học” *-;<=!
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@A!BC>%,D!2B#@!>!C/"!
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OV D*6/L1M?*-&E
1
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
DANH SÁCH VIẾT TẮT
STT Viết tắt Tên đầy đủ
a de !>!C/
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c gh g#+
i j '<
k [fgg )#B
l e;W e>%,D
m SQh ST@
n o *=!1p8
q d *=!!'r
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aa ;R +&,*6
a_ ohW os@6!
2
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
MỞ ĐẦU
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
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A!C%%,DV*aa!'*O1>*9)bC/
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dg8C!=$“Phân tích và báo cáo kết quả hoạt động cho vay
của chi nhánh Quan Hoá ngân hàng chính sách Việt Nam trong giai đoạn
2008-2012” 4$!!2OE
1. Sự cần thiết của đề tài
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!H,*#90<BE;I*,1>1*!)
1,9)<!BC>%,D‘cho cần câu cơm‘ !2!
@!>!"!#E;99# !15 1.
4
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
#&,!21'1>1B!I$*C>!F4<E;$4@A
!#1>1>>#&,!2!'*OC>%,D.4!>
O*"!&$!>!!.<!2$!BC>%,
DE
2. Tình hình nghiên cứu :
Tình hình nghiên cứu trong nước :
;/!%$!$"!*<@A!2>!e/
g#!w$@A!BC>%,DEe#!
!< !A99.7!*! D!s
>OFB?/!= 4*B#D0!2!,
!9!$<@A!BC>%,DE
Tình hình nghiên cứu nước ngoài :

g0$D40$$&!*)711,4<.=48
O)!&!!2O1'1>109e>%,D
*#9Eg#!B)!!.O9B!>!H!1A!
#*<D% !…B<P* r!>!!1>*9E;/
!%*0$!#1>1H!1A! !**
†‡F1T!%D‡‡E;$/)1 !)!&z>3
!*!(#!>1@A"!)4 !
!>!C/B#R>E
3. Mục tiêu nghiên cứu
o!>!>)&,<!BC>%,D!2!
>R>!>!g#*<_``nb_`a_E3%
*FCy.F6)6 (!'#
&,<!BC>%,DrB#R>E
(9)$')!$!>!)!.$
<@A!2EEE
4. Đối tượng và phạm vi nghiên cứu :
 ; !‚<!BC>%,D!2
!>!B#R>
5
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
o<!‚;6B#R>
-!‚3_``nV_`a_
5. Phương pháp nghiên cứu
dˆ@A1'1>1p 14#) 1"!Ku
.$*.1•0
6. Đóng góp dự kiến của đề tài
#>$74zB)!>!@$!BC>%,Dr
!>!!1>*9%!rg#%*E
!01!*"!)$<!BC>%,Dr

B#R>.44#,!$!%4&E
;$9#"F@A4zB)9,&B)0$"!KV
4,$1'1>14F!=!!

7. Bố cục của đề tài
1IrI)4F.Q)+!%c1I!‚
oIa‚'r4z4F$@AC>%,Drg#
oI_‚<@A!BD!2!>!C/!
>B#R><}_``nb_`a_•
oIc‚;>>)&,<!B!2!>!C/!
>B#R>
PHẦN 1. CƠ SỞ LÝ LUẬN VỀ TÍN DỤNG XOÁ ĐÓI GIẢM NGHÈO Ở VIỆT
NAM
1.1. Sự cần thiết phải hỗ trợ người nghèo
aEaEaEp&$%D
aEaEaEaE[>#%D
Theo định nghĩa Quốc tế:
;%D?&#*!‚*!-->+
D%F101EF14!N>>"D%!2!
6
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
-ER#BL1C>!6@K@4 -D@"!…
D.MDE"!)!#!C>!6%D?
F1!N1I*!!EF181,>)!>!!<
!2%D.&#D%BJ!s$<!)E
Ngân hàng Thế giới xem thu nhập 1 đô la Mỹ/ngày theo sức mua tương
đương của địa phương so với (đô la thế giới) để thỏa mãn nhu cầu sống như là
chuẩn tổng quát cho nạn nghèo tuyệt đối. Trong những bước sau đó các trị ranh
giới nghèo tuyệt đối (chuẩn) cho từng địa phương hay từng vùng được xác định, từ

2 đô la cho khu vực Mỹ La tinh và Carribean đến 4 đô la cho những nước Đông
Âu.cho đến 14,40 đô la cho những nước công nghiệp. (Chương trình Phát triển
Liên Hiệp Quốc 1997).
?&##B‚%D !9C?Cy*$
!<.9*'E6$,D%r"!„V>
QOh'@Ud]op!!>qbaqqc<Q!b>*
>#$6vD%ED%+DB#D
'‚
DB#‚4O*<1F@!8 !r,
/!I!',!2!-!IB/ !!8
F‰?*O1>*9)1A!F1&>E
D%'‚4O*<1F@!@!*
O!2!+E
**!<)-!s6vD%4@"
)4"!=@J)!5!"!)4"!-)C/
!2&!.!2B)4*4v"!)E?!<1)
D%4"1,>*O1>*9)C/*3<46!
ˆ.*1<&!."!.5E
Theo Việt Nam
g#>!<!%D4>#*#
D‚4O*<1F@!!N!%$#,/1I
!I9!',!2!!!%!01'!*
O!2!+Cy*=1'@#E
;%‚4O*<1F@!D!%!@!9
F182,,!IF!09@B*O!!E
7
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
aEaEaE_E"!*<D%
Nghèo trên toàn thế giới:

?4#!2)WO*_``a*)
!%a.aN-}'_at@)•!%'a84jG?
!61'O) !C?4*0DE}aqna4a.kN-.
-%4i`t@).aqnm4a.__mN-'c`t
aqqc 4a.caiN-''_qt•E
oI4-B<!„.)1I
-D*@!<!o4<!s!'E>!!2
#1R!*!!=1 NT_```/0*A!
!)_`ak,ˆ-!%'a84jGE};9a
!2A!!1>*9T•E*-*r
)<$5!2!„.T4#-D,C*x*#}3kntC
!salt<;8„•O!-D04<4r!o
}I0183aqna)_``a1<!d*•E<;8Š*
„!-D0/4)lt@E)7*
D4_84jGPBO!%p!4_.mN-D.Iˆ
@)E
Nghèo Việt Nam:
?4#!2'*Oo>*9#1R!rg#.
_``i !N  1>*9 ! - !2 g#  C)1 < aa_ * amm
!.!N1>*9}Gender Development Index-GDI•C)1nm*aii!
!NDp 1}Human Poverty Index-HPI•C)1<ia*qk!E
w?4#!2'*Oo>*9#1R!Eg_``_T4#
D?!…&!!2g#4a_Eqt.?!…)4_qtT
4#D4'"!}tD!4 _``_•4a`EnmtEgIF1
aqq`.!12g#/1>!'*Oe%%,D
!54-=!2)ESho!*(7!@5g#/
< !*r)$)&,*00 ,T4#D.
J!s+<O*<D!5!"!r5E;9< !!>!jA!
o>*9T}jhW•.g#!I1,,&B)O*<D
!5!"!E

8
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
)_``q.?!…D*.!,!g##!%,_
*#D.!)T4#aat@EB.*@KR!g#
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-D*C/8,.F!!s@>!!24<
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/< !!84*#!,T4#D.B
!w!I0B*(."BJ!s*0EF1!2
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!N•$!…D.!w4=*'CMD4T4#
DE
oI4F1!2-D38#1Eg$#+4"!
*0<!)}0.4.•.F1!2-D*001@K6
p'*!)*!)p!2pO!
+E$OB!F1*MDJ>1*
MD%OFB!%$F1!w4=*'C
MDE5A*,C08#1!w<%!
-DE
D%F1*r!>!5!%$#%‚;-D
*5!%$#B*0D.$#"
H!#5L.5.5CEEEEEE.@")!2-)
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<I!2!>!5D/4!!>!5B!>!#!>!5
>!E
Q!<%$#"8F4 .-!* C0
(>!E>D*p3>DJ
!s4E

;%DF1**"!88: ;%D4# 1p
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-D48@.*OB$01.)1!F+4"!
*,C0E
9
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
D%*"!6‚*"!6.BT4#D
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!,#-88$E;-D64#!*"!
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,)1!F!>!$#,C0@6!A!s<!).!'r<I
y1>*9E
T4#D7!#>!r%@!-: *-
&12/IP* !!"!.-!2!+@!
-J!s$%0!F1Ej7!@5@!!-!N!)
aitp@!C4<!),_`t*p-DE
aEaEaEcE;7!!2-D
-D-!%7!94z)1 !9#‚
-D-*A*D.".)1CL!.1<)1‹1EQ6<
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D-4<!F2A!E
-D-ˆ@A,C08#14!2B)7!

4$2!88>•EhFB!I-
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#48!%E
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10
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
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E
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y4#!11>1.@K1<1>14FE
aEaEaEiEB@J)%D
Nguyên nhân chung:
%*0$B@J)%D*)B!2
B)J(r!>!9‚
*6
e/
+B.!-
;$#)
B46!ˆ
Nguyên nhân ở Việt Nam:
%B@$#).C/.!*646!ˆ‚

;$#"H!#/>!H!),C08#1!2
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@6!#.0!(!P.@#!0!>!.6O1!<1.8
4<%.)!'r<I7!8!%!'r<I45!%
$D%0E
g#4!8#14<!F3*,&!!!)*4
@p.!'r<I61>.*+6•.O.+
4"!!!2!>!O6L,@0>*!)*.'
F.7!1,CO9!)*.=!F1!,<*-
@E
11
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
>!!0<‚00!#!>1@A!>!
F19%8#1.!,<!8'#1!>!>4'$/
?4<)&,C0!$)/B)!2g#4B#
+4"!!20!Or88!w6.4<1>
!!%4L!4)m``t}lạm phát phi mã•E
$)1>*98$.*rB>!2B)4@
+I*"!)1•hX.\h].$.F13@I•*
+I*!!s01Eg#!ˆ@A!2B)4•hX)!
F1!4#!!>!%@!4r!>!*O."!%
+4 4*'!2B)B!2-!4!4 !*s!2
-@*!01E
@A!Bp61-.J!s!B!>!@#1
!!%#&,01.8)!01.8*-62B<.I!
-r!!#&,!s<!).4 4 !<>1
!I6*-!s01.8@%)1!F@A
!E
O!r‚#!>1@A!)r@.r!F19

!2!>!4#,C0!2B)*-@/4!4"!
,C0}O! 1>!C/.O!!01•E
g#!B+4"!8@&>!.8!0! /4!H*-,
C06*-.,C08#1'#.!8#1)#&,.
'#14A.'#1&!@)%4
F11F,L*@!E
@3r888 !B)!*64.
8 !<9!B9"!!8#1.!>!&,4z(
…/@5#1>1!9!,8@@!.F1!
1E
0#1!y@.40$,!20!Eg#<-
9p$*.!%,aEcamO-0#1*p4
Nhóm nguyên nhân do bản thân hộ nghèo:
),C0‚>!4#$*!0BB4B!2B)E
8@)-*'s4…&….,C0y.482.
12
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
1,.1,B9,,!!9(BE%9%‚
),C044"!!,40<!)"1>*9!2,C0
!-!2!>!ODE[)&,$*C/=!$B
%D!2!>!8@r!_``q!0B‚)
!),m`tbq`tp !$*E
)#)!4‚o'!!>!!p*B$/
$!.,C0"!"!014!.-r'Œ4>.
84<%.!!>0=!E%%4!D
89!*O@*.8!%$#>1@A)=!v
F!>!.)#*O,C0@@J)
001.8#&,E
Q#F!•?B)y!w4B)…B!-%D*I

*=E
;0!>!.O*<8!%0!>!!%C4E
)#!4.8O#!4.4-).7>!@F&,!2
!)*4!$-0!4.$1A6%1A@J)
)47!)4*Œ.•?!%,,#!8
#!7=!E
W71*2**!!.-D-r'Œ4>.
C*.84<%.,1…,C0*%A7!
A>*ŒE
1.1.2. Chỉ tiêu đánh giá đói nghèo
aEaE_EaE>!!N>>%D
;4-%D8&!>!!NF1.!N>@A!
B).B!'@K6p'.8!%)%&B$4"!u>!!NB
!!% !!>Op9$%D.3%!12B!+
&!)!%,1>1! 19E
Đói nghèo theo thu nhập: dˆ@A!F1B@5($9
C>!64-%D41'1>1 !>1@A34E3
anqqd??ƒŽ*??/ˆ@A1'1>1B6v:%D4
!pF1829**,!I)B)99@B*O!
4"! !' H1 I z|E  !I ) B) %  + "! 1…. $ 
.EEEB1'1>1B!s$<!)!w/?4<!>O
13
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
*0I$D%<-9%E #B•*4@QJ!sˆ@A
1'1>1)1!FBEo'1>1BL1C>!6 !!…D
.MDE
Về y tế: ; !C>!6*!>!!N
T4#*Œ'E
T4#1A!%>*c4I

T4#O!%)!<! 1#
T4#!%# 1#
T4#ˆ!2*Œ'
T4#ˆ!2,1A
T4#p=O&4*O-!%9 !
T4#ˆ@A!>!#1>1*>
Về giáo dục:
; !C?Cy*!>!!N‚
T4#*Œ)*-Lp
T4#*Œ*-=!
T4#5!r-4
g#!4--D%@"!>!!N*L1!%!>O
p9$!04 !!!2-D!<%1>!<!0B
7!9!!2-DEB!*46!ˆ
F1 !!s!%$<!)@*K!2%.@4#!*&>*O
F14#>!>.4#8*"!.4*s4#EEE
Nguy cơ dễ bị tổn thương:
;B4#1>14-$!!!=*!!L!!2
O71*2*$.#F.0>$!2!,@*
!H1EEE,5H1!2=*!<*2*4•-
4->>B!'@K6p'&!>!%!‚
b g$,F!0‚4,O!%9>95H1
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=E,F!0F!0!2O !C?Cy*%!
14
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
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!!=!2=>01E
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!>!,P* =F !3!>!#1B%=E
b !>!<C/!!‚B!'6p'!2O{
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g#!4-B!'@Kp--*0%.71$04 $
'!2!,!2,B>*6!2
,F!0uQ!<%9!% !8!>!LH9*
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-1!$*?@xE
aEaE_E_E>!!N>>%D!2g#
…Dg#4!…94-!D!2!>!
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15
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
>`m_``k$#!!…D>1@A!<_``lb
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!2Q'bC/•.pD4_`t*p
@!2!
;!FD!FD4!%!F1O&3
i`aE```+)k_`E```+~-~>}"!88•."!
643k`aE```+)lk`E```+~-~>E
?)&,p$*D}l_~lcN.•.?!…D
}@")>1@A3_`aa•.pD!2!,!4,*
c.c*#D}!)T4#ak._kt•up!FD4,*a.n
*#}!)T4#n.knt•E-DF1*1I4r"!88
}q`t•urB#$L1QH!.BB.$LhB,$
*.BQ4'+@!9.T4#
D!s!}*k`t•.B46*0%!8>!,
DE:Theo Bộ trưởng Bộ LĐTB&XH Nguyễn Thị Kim Ngân, nếu vẫn giữ nguyên
các chính sách, dự án như Chương trình mục tiêu quốc gia giảm nghèo giai đoạn
2006-2010, thì tổng kinh phí để thực hiện Chương trình giảm nghèo giai đoạn
2011-2015 dự kiến sẽ tăng thêm so với giai đoạn trước khoảng 5.700 tỷ đồng”.
Ngoài ra còn có các thước đo khác như
ND!01O‚
Bảng 1. Các chỉ tiêu đánh giá đói nghèo khác
16

WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
Lĩnh vực Chỉ tiêu
I. !I 1. d4 <)
2. W>*6…1I9B
II. !I7! 3. [82&I>.!0*5*y
4. [82!P
III. r 5. Or< .4$4>
IV. g#!4 6. )#!4
V. d!Œ 7. *Œ?3abcp6B@@M
8. -4akbl`
9. [8!%,!#B##

VI. W>@A! -4*p45!
*Œ?3lba`p8)*-
O8!%B9?
(Theo Vũ Tuấn Anh “những tiêu chuẩn đáng giá hộ nghèo ở khu vực nông thôn”,
tạp chí kinh tế, số 4 năm 1997, trang 36)
h"!>!!…"!*-!D*_%‚
‘%a‚D!%k!N$.7!.r@!…"!E
‘%_‚*0D!%*k!N@!…"!E
Chỉ tiêu nghèo cấp cộng đồng:
Bảng 2. Các chỉ tiêu đánh giá nghèo theo cấp cộng đồng
Lĩnh vực Chỉ tiêu
j!    %
!
1. T@D}D•*p@D}
D•
2. W>*6*B4*6*-46
1'

+4"!"3. h#!0!>!84#1O&I-
4. T4#8!%7!!%*0}@a~_!*
OI-•
g#!4 5. T4#-4)#!4}*c>~•*
p4
6. T4#4*!>!8.4.#11
8#1E
d!Œ 7. T4#*Œ?abkpB@@M)!}*=4 
@n`t*=4 !I!%!2p•
8. T4#!)!2*Œ'
9. %B8!%*<C>
dB)}!,!8.u!,B@ !•*6
*@a```@E
W>@A! T4#-45!
T4#*Œ?lba`p8=!
17
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
d><*6*a```@E
r 1# T4#Or< .4$4>
T4#!%+!<!
T4#!%H
T4#!%# 1#
g  >    
)1
d[Ž~#@5~-~>
%B8!%!8*O>&*=}
>.#.4*B$•
%B8! E
%B8#<*a```@

d"      
<e
T4#!2!>!p!!!*6.C/};,.;
  .   1A  .7  *F  p  &!. >!   $
#1•*a```@
;-66
1A
T4#1A!%B@@M
d1A!>!<@*!>!!'&!
9C/<61'*a```1A
(Theo Vũ Tuấn Anh “những tiêu chuẩn đáng giá hộ nghèo ở khu vực nông thôn”,
tạp chí kinh tế, số 4 năm 1997, trang 38)
1.2. Những vấn đề cơ bản về hoạt động tín dụng cho vay xoá đói giảm nghèo:
1.2.1. Tín dụng ngân hàng:
aE_EaEaE[>#7!9@A
Khái niệm tín dụng
@A4&#B 4J*!'r!%*,!,!4/E
?j>!.:@A4"!B9 <-4 >*63-
r-ˆ@A-06 !&B*r4<
-r4 >*64'I|E
FB.@A41<*5!2)>.,!0!2
@A4B !%*,!,4/-06.4&
#!B9 <-&B$ˆ@A.4&# O’
!5!%4 .4&#!FB4J*B!B!>!
.!>!p!!@A!>!@#1!>!p!!!>>!
 !"!#@O!$#?BH!!%*,!,!4/E
18
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
@A4&#!B9 !>!

!29>!*$)E*%3%*s-B
}F$ˆ!2!>!!29>!*$)7!1>!>!!!N
$ˆ‚‰1).*>1)9B•.3%*s-
!B}!01@A!!>!!29>!*$)(#!)4F1!>!
 1+@A.)!F €•E
*<@A!sˆ@AF:tín dụng hộ
nghèo”4&#4>!e/4
DE3 !3F4!29*&#C/.!%&B$
3).!%1'>,C0@OD!%,2
!>!9&#@A!>!C/E;B!w
!4$#9D>1 !$#B!2
>!e/E*$&.!>!C//
4!B9,!2B))D.%11I<!8#!4L1
MD1>*9)O.!@I!(!!
4!2!OE
Đặc điểm tín dụng ngân hàng:
Q,!0!2@A4@6!$,*!'r*,!%!>!
7!*‚
0‚29+*-!%
-!I%4 4$#}BO%.@6!A•E
,@6!*&#@A+_O!4!B}(
$•!}0,,•E
‚R#@A!%BH!*,.!%v4-!
B!-Bˆ@A*-<,F* 1
+@A.><8!%!>!•F>!O-B1,
*,%!1I7@!-!BE
‚W>*6*,8-1,4'>*6!I.B%
!>!>!4-B1,*,1I4/!EW>*67@B
,,!5H1,!1.*2*4<!
1I4 FE

19
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Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
‚*&#@A@"*!>! 1+) !
1>14F$!N.!#!"!#L!>!,F/!)4H
!E
Các hình thức cấp tín dụng Ngân hàng.
@A4&#4}-!B•
4!>!!29>!*C}-B•8&!>!#1A
E
>!O!!01@A!2B)!2‚
‘B‚4@6!$,}$7!%•!B
}!>!6!)!>!•B}!>.@
#1!>!!29>!•.*%B!B9,!
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#*,8$#!4!!B)<
>E
‘)0‚4#!p!!@A4<0B-!%>H<!)
<>!2>!@#>!2'1)E
‘!‚4<@A*@<8&#!!
>B%!)6.1'#F!B9!>!,>!*!'r
 1+!!EQ!)
>B%!.)6.1'#F!B9!>!,>!!2!
H&B$r!>!,!EQˆ@A
,>$*-< !,
FE
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F,4{"!#vA!B! !,4)
)-< !,48"!#7!"!#8
LvA!2O!)F,4EQ !,4

1,F *,!,4$ !*,BE
‘Q>‚Q>4O!!01@A!2p!!
@A!>8&#!4<!>!,1,1>3
#!.>> !>,F
* 1+.>E
20
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
1.2.2. Tín dụng hộ nghèo:
g$,!0.@A4&#B 4J*,!,!4J4/
*,-06/ !•F -!B
-BE D!s!%$9>!(
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Khái niệm tín dụng đối với hộ nghèo
@AD4,@A!N@*!
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?4/0/>!(L1-D!% &D
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Đặc điểm tín dụng đối với hộ nghèo
@A-D<?!>!A!BH!.$#
*.>!!>!4<O@A!2!>!'<%!
"B)!',‚
jA!@A‚@AD(#!L1
-D%!%,C0@!-.<OA!
C%%,D.8OA!!4 4 FE
BH!!B‚BD!%!4),
C0@EDB1,4 !C>!6?!…
"!D% !!8*3-‰E"!#!B!%*,}!,
!4/•?‰</•FE

;$#!B‚5B?+.-‰>!.61'>!
!%9&6!>!$#!15 1"!)E*
$#!',0!2@AD%4‚B81,
)!01,E
Vai trò của tín dụng đối với hộ nghèo:
4"!L1-D &D%‚
D%!%$B.‚8!@J))4.
))!*,C0@.$#"0F4 .8
21
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
 !I.)€*"!)D%4@8!%9p
!!,C0.I@EgOFB.=4$#&B).4
4"!IL1= &%9>•%DE
<$#!-D81,B74/.#&,<
) !!'E
 -D%@!,H!7!9!@5!,
C07!9@B*O!!!=4-!6"%!4$0
!2<!B74/#BEO)+@A)FB
-D4 >!4O!>!!2!B74/{8!%
6*-<E
WL1-D!)!)1!F6*-.!%$#<
,C0@*$)6*-
!-D?!'*O.A!I!,
C0@9C>%,D.8&@A+4/
/!-B1,>*+!BO.8!O.4$O4
)9!%#&,)!E;94 !$%=1,O9=!•
GF,C0.Bv#1>1&,4z3%<!=>
<*4,C0.!4G !#*!8>!&,4z)E
W%11I*"!)1#!!B9p!'!0)8#18

8."!##!1!84<4C/
*8#10$&*=#B94$,C0
>4
“
•1,>1@A!>!#1>1=!GF,
C0E;%4#!!B9p!'!0!B*+.F8!>!4<
!%0!>1@A*"!K,C01, !"!#
*@#*E
Cung ứng vốn cho người nghèo góp phần xây dựng nông thôn mới
e>%,D4#A!2;,.@.!2!>!!01.!>!
E@A!-D8&!>!&B6$7#1A!A9
!2%#!OCy!8- !B.#!"!#!>!
22
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
p'* B.<*"1 1!7!{!>!9!
*6C/.!2!01T.!&B$/!%>!@A‚
b!-#4"!!2!01T.!&B$*4/<.!N<)r6
1'E
b<*"H%.!>!p!!.9!2O
8&#!@JL1MGF,C0.#&,4z)
!2O.&B$4 )!2p!!8&#!BE
Kết quả phát triển kinh tế đã làm thay đổi đời sống kinh tế ở nông thôn, an
ninh, trật tự an toàn xã hội phát triển tốt, hạn chế được những mặt tiêu cực, tạo ra
được bộ mặt mới trong đời sống kinh tế xã hội và nông thôn.
Sự cần thiết của việc đẩy mạnh xoá đói giảm nghèo:
;%D4# 1p)!2$)6*-+<>!
&P&!*&>*O1>*9.7!#!&>
*O!B9$)6*-.C01>9D4<!FO
*<%D!8*>•.F!*I*=BHEFB.P

* -D*!)4A!!2C/Ee%%,D{ !<
!)!>!B)#<C/.<"p6!8(C/.%11IL!…B
1>*9)E-D !P* 9"'4.<F1.3%4
!.B)!,C01>*9EOFB.&9!',!2
!)4 1>*9C/;,/$*41>*9).p6
!8(C/("!#A!@.!<.C/!(.
@!2E
Q!<%C>%,D4#A#!,,!
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1F*@!4!s1F4<!AC-01
E
g#!T4#-D4!w4!#<C/!w4
>9.!<%*O=!0!21F@!,C4!
+4"!$4!2C/C!01.!I1,!7*#9O*<
BE
T4#D!w4!!N*r!-,E
23
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
Tóm lại việc đẩy mạnh xoá đói giảm nghèo cần và rất quan trọng trong thời điểm
hiện tại là nhiệm vụ cấp bách giúp đất nước phát triển bền vững ổn định ,đi lên .
24
WXYZS[\]^_`a_b_`ac
Phân tích báo cáo kết quả hoạt động tín dụng cho vay xoá đói giảm nghèo
PHẦN 2. HOẠT ĐỘNG TÍN DỤNG CHO VAY XOÁ ĐÓI GIẢM NGHÈO TẠI
NGÂN HÀNG ĐT-PTNT CHI NHÁNH HUYỆN QUAN HOÁ GIAI ĐOẠN 2008-
2012
2.1. Tổng quan về huyện Quan Hoá
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;8>1B#Q>!.1B>1B#j->Nước Cộng hoà
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25
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