Giải pháp hạn chế rủi ro tín dụng tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Việt Nam Chi nhánh huyện Võ Nhai Thái Nguyên

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LỜI CAM ĐOAN
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LỜI CÁM ƠN
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MỤC LỤC
Trang
^J'_`La_99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
^J'K`b999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
`c'c'99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
[_d`c'eKeJfgMdhd$i99999999999999999999999999999999999999999999999999999999999

[_d`c'*j$Jk**l*99999999999999999999999999999999999999999999999999999999999999999999999999
"dm`nLmg999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999995
1. Tính cấp thiết của đề tài nghiên cứu99999999999999999999999999999999999999999999999999999999995
2. Mục tiêu nghiên cứu của đề tài9999999999999999999999999999999999999999999999999999999999999999993
3. Đối tượng và phạm vi nghiên cứu999999999999999999999999999999999999999999999999999999999999993
4. Phương pháp nghiên cứu99999999999999999999999999999999999999999999999999999999999999999999999999993
5. Bố cục của luận văn9999999999999999999999999999999999999999999999999999999999999999999999999999999999999o
CHƯƠNG 1: LÝ LUẬN CƠ BẢN VỀ RỦI RO TÍN DỤNG CỦA
NGÂN HÀNG THƯƠNG MẠI 5
595?dIJZgI*$pqdr*dsb`tJ$r'I'atJuvJ
ua*ds^w"999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999x
59595?1H.Q&999999999999999999999999999999999999999999999999x
59593$%P%.Q&99999999999999999999999999999999999999999999999999x
5959od-2(%.Q&9999999999999999999999999999999y
5959z'7-2%%d*`999999999999999999{
593?dIJZgI*'dg$puvJua*|[c999999999999999999999999999999999999999}
59395?!&-~-#&999999999999999999999999999999999999999999999}
59393(+%999999999999999999999999999999999999999999999999999955
5939o'<+-7.Y999999999999999999999999999999999999999999999999999995y
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59o*I'L•'v_uvJua*|[c$€Jd*`$r'I'eJ•
"dI"dt'dk?dl'"dc'uvJua99999999999999999999999999999999999999999999999999999934
59o95*-2%Cd*`99999999999999999999999999999999999999999999999999999934
59o93'@!-#R%
.Q&999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999935
59z?JddJ•`$pZgK‚uvJua*|[cn`•*:ƒ
Zgƒ'J_*u„*dkJ€J99999999999999999999999999999999999999999999999999999999999999999999
59z95?!&%*1;9999999999999999999999999999999999999999999999999999999993z
59z93?!&Be999999999999999999999999999999999999999999999999999999999999993y
59z9o?!&%`99999999999999999999999999999999999999999999999999999999999999999999993{

CHƯƠNG 2: PHƯƠNG PHÁP NGHIÊN CỨU 30
3959*dJk*?kdJ„'…g999999999999999999999999999999999999999999999999999999999999999999999999o4
395959+0-F99999999999999999999999999999999999999999999999999999999999999999999999o5
395939+0-F7./99999999999999999999999999999999999999999999999999999999999999999999o5
3939*dg*d†"$r‡ˆ‚[‰J•g99999999999999999999999999999999999999999999999999999999999o3
393959".QX&>9999999999999999999999999999999999999999999999999999999999999999999o3
393939*%-@O9999999999999999999999999999999999999999999999999oo
3939o[Š-&T‹%%-999999999999999999999999999999999999999999999999999999999999oo
3939z9";ŒU•_Ž999999999999999999999999999999999999999999999999999999999999999999oo
3939x9L%-9999999999999999999999999999999999999999999999999999999999999999999999999999oz
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
CHƯƠNG 3: THỰC TRẠNG RỦI RO TÍN DỤNG TẠI NHNo&PTNT
VIỆT NAM - CHI NHÁNH VÕ NHAI THÁI NGUYÊN
o95?dIJZgI**hddhddat*L•?Jd[a_d'v_q
dr•dJ•"$r"dI**uJfdg••$‘d_J*dIJ
g•„9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999o{
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_`'dJdIddg••$‘d_J*dIJg•„99999999999999999999999999999999z4
o9o9*d’'*utuvJua*|[c*tJd“"**$J•*_`
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o9o95*G-2d“"**$)%9999999999999
o9o93*Gd“"**$)%*
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o9z9o9?#&-F& 89999999999999999999999999999999999999999999999999999999999999999999999999999

o9z9zL!1%@!
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CHƯƠNG 4 GIẢI PHÁP NÂNG CAO HIỆU QUẢ CÔNG TÁC HẠN
CHẾ RỦI RO TÍN DỤNG TẠI NHNo&PTNT VIỆT NAM - CHI
NHÁNH VÕ NHAI THÁI NGUYÊN 64
z95"dsbds€M`c'*J„g"dI**uJf'v_d“"**
$J•*_`'dJdId$‘d_J\*dIJg•„999999999999999999999999999999999yz
z9595".Q.C#99999999999999999999999999999999999999999999999999999999999999999999
z9593`+-2%'d“"**$)
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z93'I'JKJ"dI"q'_adJ•gZgK'•*I'dt'dkuvJ
ua*|[c*tJd“"**$J•*_`'dJdId$‘d_J\
*dIJg•„
99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999yx
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z9o9`•*:ƒ?Jkd–9999999999999999999999999999999999999999999999999999999999999999999999999999999999y—
z9o959?FC.C99999999999999999999999999999999999999999999999999999999999999999999
z9o939?FCd“"**$!%&9999999999999999999999999999999999999999999
z9o9oL;Cd“"**$!%&d(!$)%
*(+999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
z9o9z9?FC1(H-F%.QA99999999999999999999999999999999
z9o9xL;C%!%(;99999999999999999999999999999999999999999999999999999
?k*g†999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999{x
[_d`c'*rJJ•g*d_`?dKa999999999999999999999999999999999999999999999999999999999999{y

DANH MỤC CÁC HÌNH VẼ
Hình Tên bảng/hình Trang
Hình 1.1 ` 8˜@#!% 9
Hình 2.1 Z(8+0 30
Hình 2.2 ` 8+0 32

Hình 3.1 e2&(™0%d“"**(!$)% 39

DANH MỤC CÁC BẢNG
Bảng Tên bảng Trang
Bảng 3.1 ?1-2%d“"**$!%&
d(!$)%*(+B345463453
41
Bảng 3.2 *88(-2;N78%d“"**$)
%
42
Bảng 3.3 *88-2%(d“"**$)% 43
Bảng 3.4 `2;1%d“"**$)% 44
Bảng 3.5 *88-2%(d“"**$)% 45
Bảng 3.6 *88/1d“"**$)% 46
Bảng 3.7 *88/DAd“"**$)% 47
Bảng 3.8 "7&>-H%NC 48
Bảng 3.9
"7&>-H%N8-2XA
48
Bảng 3.10 `%D%(; 50
Bảng 3.11 *š7!(;.› 51
Bảng 3.12
"=1(;
56
Bảng 3.13 "_a$_;A 56
Bảng 3.14
d!;.Q1%%(;
57
Bảng 3.15 F@8%;.›-


59
Bảng 3.16
L%+H@!

60
D
Bảng 3.17 F@8H-%+C
@!
60
D
DANH MỤC TỪ VIẾT TẮT
Viết tắt Dịch nghĩa
'e*[ '@2
' 'd“"**d(!$)%
'J' d!; PB%
d .C$!%&
d*` .Q&
d“"**
 !"# 
 
uu*[ u
5
PHẦN MỞ ĐẦU
1. Tính cấp thiết của đề tài
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&$!%&M&%7}46—4œ%&•M‹Wž
-Ÿ(G#-;%M7 GN-F.C%
.C9 *(+77 H&ŸH9u%1&0
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%%.Q&.CC
.Q&.CM&#7%A7./M&
#-T›+A9e+-‹M88C-%
Š@0(Q%9$!%&7&2
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$!%&‹d“"**$!%&d(!$)%*
(+‹+7A-H1FW1%&Y-#&!
3
‡ABA%-HM%Y%7&!
 !"#  $!%& '(!$)%
*(+M -T1(-FX-H£"Giải pháp hạn chế rủi ro tín dụng
tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Việt Nam Chi nhánh
huyện Võ Nhai Thái Nguyên "7 •&-0-PO
G%GŠMB%&%YG-2%
!%(9
2. Mục tiêu nghiên cứu của đề tài
• Mục tiêu chung
LH+0-GA-H•&8&%

@!% !"#
  $!%&'(!$)%*(+9*B-‹‹W
#DT2(!$)%‹+<*(+‹

• Mục tiêu cụ thể
6 +0A-H+.Q!7V(;+
& £eA%M(+>-
¤.-2%‹C*.Q&H9
6 "G-2 
!"#  $!%& '(!$)%*
(+MB-‹ž%A-HP=9
6 L.%%&2;•&-2
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(!$)%*(+9
3. Phạm vi và đối tượng nghiên cứu
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 !"#  $!%&'(!$)%
*(+9
6"&+0£ !"#  
$!%&'(!$)%*(+B&3454634539
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4. Phương pháp nghiên cứu
Z8+0 /%3%-£
6 %-5£:¥.Q+0-F9* 
B+0-F(•&&M@™& 8M-H
<%-%(;.›-9
6 %-3£:¥.Q+0-F7./@•
OA+!-%7&! !"
#  $!%&'(!$)%*(+ 1%
@O9` 8¥%-Nx-#&C7G%X;5

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6 [˜7! /D¥7V@•W&H&:"::9:%&T‹%
7&˜7!¡1%%£
6 L-2(%-£-2(%%- /-
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-¡ /A!;'@%%7%-(+W9
6 *N7;¡ /¥•&7@O@C@
-7.Y -(+W9
6 ?#&-F(%& 8-2¦/™#%&
89
6 "=1(-%@-#D-F(;.›-
(;‹.›1%XA9?A%‹%7
5. Bố cục của đề tài
W&›-WMW7%&7!%&M
‹%7 /A@;.Q£
'.Q5£V7Q@H%*.Q&
'.Q3£".Q+0
'.Qo£*Gd“"**$!%&
d(!$)%*(+
'.Qz£%!1 
d“"**$!%&d(!$)%*(+9
z
x
CHƯƠNG 1
LÝ LUẬN CƠ BẢN VỀ RỦI RO TÍN DỤNG CỦA NGÂN HÀNG
THƯƠNG MẠI
595?dIJZgI*$pqdr*dsb`tJ$r'I'atJuvJua
*ds^w"
1.1.1 Khái quát về Ngân hàng thương mại.
d*`7&2™0%H!&-2(

.YD(+7H¥%C!&
¥;H¥-‹-#%(-W.MG!!A
7&.Q!%9(%(M-2%™0& C
+F.Y(#H;7./M1(& M-2
-%ž-%DN7>%9L#&@!˜%d*`™
07d*`7%H!M(7H
¥ §M0F%P™0
 G!0-‹9
1.1.2 Vai trò của Ngân hàng thương mại.
'¦CG!-™&C-7+%-A.C8 #
%P-‹‹7C%9
Thứ nhất:d*`7QA;HM7 1%
Xž-Ÿ(#7G7./DA9
Thứ hai£d*`7W;˜%%!CF.Y 1%
-2%-;C%!9
Thứ ba:d*`7 -#.C-H & H9* 
1%-2%d*`Md*¨G!H!
&+R~%@• .£A-F
&0Mš7!G˜@R@2M7TAAM!F
.Y&›-#-2C7./H07. 9
Thứ tư:W;H1;%CH1;9
1.1.3 Hoạt động chủ yếu của Ngân hàng thương mại
1.1.3.1 Hoạt động huy động vốn.
L(7&2˜!Q@%d*` 1%!
(d*`G!0H9d*`-T‹~@2
y
=;•DT2.C80.£H¥
!&MH¥%999-‹H¥@%=&£*H¥ §M
H¥‹§9%d*`P+&0<H¥M
%(-%(B™0

9
1.1.3.2 Hoạt động sử dụng vốn.
*HF.YMd*`GA¤7&2%!8
(%7/7&+-W;¦9L#
%7/8d*`@¥
%=;&2!-#!1A9d-2%(7
-2Q@-N&7W7C7/d*`9'd*`¦
=;-T(-2 /-#%(B-‹7/+Q›+
7!-W-W%9*G!!(d*` 
˜-TG! /0DT2%&8 1%!&›2
;-W.M%Ÿ&DT2M!-Y;&P‹V
 %A7C-@2-Y; 1%-2/
M7 G# !M !H9
-2%(7(Md*`PG!-2
-W.¦;7+%7+M%0+F.Y
9d-2(B%&%77/B%‹W-H
7. H!H9
1.1.3.3 Hoạt động trung gian thanh toán.
7&%%G!%N(+W
%@•A %7/.£
©Mš!&Mš!&Mª%Mª999d-2(
‹W7&7/ 1%!F%
-=Y7&=;%(%#!+;.‹
H¥%9-2+Md*`P
AH7F.£[FšM-7V;
%™0MN/-=MF&%@!MF.
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1.1.4 Các loại rủi ro trong hoạt động kinh doanh của NHTM

u7˜@;D(%V&; G.C /
(%˜!&2 !#-‹9*-2
%.YD(%˜7%£
Rủi ro tín dụng: ˜™A&F
 ~ -žH;H7T9
Rủi ro lãi suất:˜™A7TDAF.Y‹
G@-™9
Rủi ro hối đoái£7G@-2%š;-+F
.Y9u(DA! ‹G@•H
;Y-#&š@-™
Rủi ro thanh khoản£u%.Y¥H-=
Y‹WžH¥›%(709?~.Y/
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Rủi ro về nguồn vốn£*.YD(%&2%.Y/%£
6*.Y/B%;07;@F0-X %(-W.
/M8( 7T-‹>7T(
.Y‹H¥9
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W%(-W.~ -0 /W%%
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1.2.1 Khái niệm và đặc điểm rủi ro tín dụng
1.2.1.1 Khái niệm rủi ro tín dụng
'‹AH1%!&%H§2#
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Nguồn: Tổng hợp của tác giả
Hình 1.1: Mô hình những biểu hiện của rủi ro tính dụng
$H@A77•H&;‹ /%

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˜  GH-;./%F@+©&.
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54
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©&.  ‹-7G-#%˜%&-‹9e+
-‹MH$!%&M-2#&.%#
&@PHM+&-‹ 
@.%G!-W(-N1(-F%7+™
0.Y~‹HD% 
A9
*&7Vš7Œ--0ŽDA!‹G@AD0H
-2%@+%&%9e+‹7/H ;RN-(~
(Š-2N.C‹7/&8M-H<~0C
&2;-H@F%7!O@%-W@+P7
 #7&8 /9$C/-=M&7Vš7B
%.Y-%(X¥H%( -ž&-&
7 #& /9*B-‹(%™A
-2 !1M~;8 /9
1.2.1.2 Đặc điểm của rủi ro tín dụng
6RRTD mang tính gián tiếp:*1%!M
%(;‹GY˜%1(H›˜1(H¥H!
&2Y%A-F9$8(M¥;%&-
55

~¥; !1>C%7•MB-‹
uu*[DA!9
6RRTD có tính chất đa dạng, phức tạp:d-2A-%
0M&•A%‹˜
-~¦+‹˜>C ;%9
6RRTD luôn gắn liền với hoạt động kinh doanh ngân hàng: %(
A-T‹&2&0 /D7
  D0˜%.Y-%(.Y%(9dQ˜%M
-2%%7 @F-2@›7(;
1%1%9[(M¥H%(%
Y/-=-TVM‹7 0%-G(;
-;C!=;M7TH%(-ž@›
 7.Y.C /%-2%9
1.2.2 Nguyên nhân của rủi ro tín dụng
1.2.2.1 Nguyên nhân khách quan
- Môi trường chính trị-pháp luật
HF1;%™-F7-H!%!#M7
-H!7/ž;-W.9./7M& .YF©&™
-FM.YD(+D(%D-2M%SA(>-DA
B!£%! ‹/Muu*[7A%9
'(;7V‹-2A7C--2DA%
%&X#H9d!;@7-=@2M¦
/C 7!1;7%7V7/%!
-279d7%7V -=@2M
.YD(+%(-™M A1M&AM )
¡(›A7C!7M&7(;ž-Ÿ(
&7.£*;7M778&+7/M
~(!A7CH%!‹%A
53
7VC%!.CS>C(&/

%%(;9
- Môi trường kinh tế
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1.2.2.2 Nguyên nhân từ phía ngân hàng
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 DMFYH8G%ŒG
A7 --ž&0-2uu*[NY%Ž
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@M-‹ ‹-2C&•&uu*[9
5z
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9LH(DAB˜(©&17V%&-W.
9
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¡ ‹˜0%‹FY-#./1%˜ž;
@A7/9
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u(DABA-H%-(£
*0AM-‹7Ÿ&-FM%(#7 Ÿ&-F6-
7.Yuu*[M /G!&%A80M -ž
&0A-H(9
*0%M #&%.CM%%(%
.Q&-;C® #&%M#&2@2!A
1(89
*0@%M @2  /1%&-ž&0B-‹>-
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*0.M /7V7+1%-uu*[P
 žX PB%M9
1.2.2.3 Nguyên nhân từ phía khách hàng
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17‹&2;(+%-(£
67GM;G‹AM-2(@•;
-%(M;&S
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6*8-2(©&%.Y-%(G-A-H™0
-2%M(©&17VM-HMF
.YMD¥7V8;@AYD(%%SH
%(; ˜@AR‹#D(%M ‹
0R˜‹%9

6u--0%.Y%(£';V7B%-M(§
/M%;SL#- /&-%&8MX°
8&&X-0‹C.£ %GM&%2
@2S
6?@FM&A~ ‹7G9
6' !M@F&(&‹%7M& /-™
&CM 0 /CŠ@%F.Y9
6'A7!;+MS(©&9
1.2.2.4 Nguyên nhân từ các đảm bảo tín dụng
6*.Y/-&@@•£
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¯[%!~‹!MR&˜
-&@-#D¥7Vž
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¯'‹˜%AH&~7V
6*.Y/-&@-;Œ@7TŽ£.Y@7T G
! %%%(.Y%(.Y( ‹
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1.2.3. Chỉ tiêu đo lường rủi ro tín dụng
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