nâng cao chất lượng tín dụng đối với doanh nghiệp nhỏ và vừa tại chi nhánh ngân hàng nông nghiệp và phát triển nông thôn chi nhánh huyện văn giang, tỉnh hưng yên
Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (367.32 KB, 65 trang )
!"#$%&$ '(
)*% !+,'&-.*/0
1+$!2)345(*' 3
+6)!+,'.
7 8**9):+;!2*+;+$
$<*=((+!+,')345(*'
*' -*1)*
->?1@&%+;%3
+60+A)B&-+.C'1
'((D$#3 =E F
E)3E (.G$'1:5D+(B*'%*
'1:'5A+".
H6@#A*B-)*
A05I:*.C'1 JK$405I>CH
+A-$3 )B.L9
M1 N%+;%353)+$*O !"#
$%&'($ )*''+,-.
)'/-01..-23)456789"
:;<)*%+$*G'18$A(%4
=%;>2
P1<@)2)EQ=$*05I:*
+A.
R
PS:0)B05I>CH+A->
?1.
P8$J%6A*/T%:)B0
5I:*+A->USCC'(&
V W>?1.
?&"#7,@';>2
P8AB1<+$*)*+$)1+
)B05I*:)B05I+A
PS3%1<OG'1<3>USCC
'(&V W>?1+39XYRY+XYRX.
A/"B-;>2
G'1+$E5IQ1<'E=(<
5'E)/Z A1 ) +'(%I+[
CD2E23;
*)\%-+" )E 5%I==**)(%
G'1+$+BN]Q#%^_O
E"B@+$05I:*+A.
E"B=C305I:*+A3
>USCC'(&V W>?1.
E"B?V:)B05I+A
3>USCC'(&V W>?1.
X
E9FG6
9H64IJE964JKLM66N9O6
P4QLRS969T/9U4O4VS
D9W XW E96 4J LRS9 69T/ 9U 4O 4VS
YR6JD9Z
D-)@
G@+/$1<:
=( `3G5:N1<A)+6*5
CaA)NA)B)+6*&)J
b5NN1<c**5 H[5d@
=(+/@$+/1<:)3
O
!"#$%&'"()*+
, /0$1 2-345
6*.4-%*7890'
:7'2;
C3(% /+/eYfXYYRf8PGS*'X]fRRfXYYR
G0$B!+;1+/g$O
h-3&-<-4=0
&)2 2-4=('>?@-AB2
-3*C!4"('D??8i.C1Q-+ %j+/
Q %j*$IJ+/N%6
10'10A*)+6.
]
=[1@L440 \]0"^
8[+%)*+$+B>CH<
:%5+:')*+AB**'*
3+605I:*.(4%+[+%)34
5(*'k!(05I@>CH*5
(*'*+3(Q.
E1*l)*+[+%c=E0)*
'%mA=+".A=+"+*)E)345(
*'\5*1+ 5E''%mm).>(
$%)*0*')*n=K.oAA-@=4:
W+3X pq+#.
E13+6J\%0:
'%mn)r %%! \Z5I++ *-+4
5:)*%%[=TJP5.
E1C$4*Qc< \0<
Q+Q =6%'c< )2s ( A)B
:10*:1+m+%E$/0 m(d
%6)!.
E1 3)E+B%A(%E/\*
\1I.'%mJ5ns 3% +AB
*Q+A315Mt%=t+B"
%%A*.
?40_-L44
mW(-/%*5
(*'+%*(-(3m&()*% J+%
u*%=@d.GI)*O
v
E13m&()*%*E\)
+6.()*%)*%6@+$=('.
CN5= 9'+&%XYRX %[5d5:A+;&E%
5#)+6D&1k3<K)+$
'()*%.C1 *=6\%j&%W
!+BR _()+63
^YPwYx()*%m(P5/I.o
!+6Q)+6 3'5/Q)
+6N0.
E1"*E5I#)J;6.
>(' $$%&=6E5:%*!
+B$%&$0( '$ A =0'
Jyz!+B%6)BA)5:5
0n)r 5M: +:*9{ =)*.'1"
$A)BA=+"m$1E5I+BAA
=: '+4 =3=u 'c<05I.5M-
*+nA+"01
(!#An)r *j5:++" *
3+6J5.
E1C "jB3+65().
H6@!+,')*
!+;3+B%A)1@)
Ccm'* CE+*J'1A
*+3+63.C'%A(*'%W+BJ)E
=+":O<'1E)( B+#I
+;3+B%3)(:A.HA(*'+;
@+60)3 {*)B=1*+[=()*
)*%)B+ ".
^
C%)3 md+A
+1%%[|J;6.+ 5'4c+/*
)*+$("4%j
A.
L9@+[+% )345
(*'%6A*3+/ -)+
*%m\3't('.
GI)*O
F2
P'%mn1%m4c<s A
)B)+6m$ m$:1
3+6&+6 5M0@'+c/\ 5M
5*'+c.
PG3+6+B-@d5:A )N)n*
@/\hi%*)\=n )g
3+6+53 !.8$*'l!5M
5*'+c*$ )g5/\=+6
0!)n/\ 5M'+/+%5Q
).
PHA(%E/\*\1I!
<3' /\@=+6/
\.>Q@ 5Q-EFEm) 5M
5* )3('+cJ)g s
'%m%*m:'E[$J;6.
9,
P>"Z5I=/ m()3E1
,%*P5/IJ\*%)BJ%0
_
&3m m0<+B+n/\
)*/\.>Q@ l4Z5Im()3E1
5(m:&)+6 3*,%
*\:'mM%%m\.
PJn)r :1\m)B
55*3%*W)*%&3'N*1
\m5++B@'+c/\ 5++Q
+"@=+6=\/\1m%3
4k=//\+*.
PG*)2+B+*3=*=$'1%m
(I =+"'+$/5((+3+$
(6E14+6)2.
PG)B#)+6('+B+)*
".8A)+6(%m4+6'1%mF
E}+&%XYRX%+X^x)+6+*3 +
R^ ^x+B+*3$ +-q)(*')*^Yx~.
Pz&Em*/\K%53+6:
m35+B%A(5(J.
C%)3 !"1<F*3
9++@)B =(dB+E5I+B
@ tI@3+:)B3
+605I:*+A)345(*'.
A2`'&0#-01L440 \
! "#$%&'
C*BA5(9*n(
)3.C*BA+"=+"+4*5(**BA
'5A•"+"%-6%m5.
C\B+" *m+/*0)B
p
E+A+"@%A*)E5(
+A.*jBAm);9XYx+^Yx
c%<A+"*)E5(.G5(=t
'*5,%1Ik*A*9A
);+B\X+^&%*):Q@.8
(0*' *K%j+/Q)EF+"
}9:+/Q~ +FgIE+"
9=1*+=cJ#AjB:%A*)E
5(.*k=d);*=+%03+6
c<*'
C\B*BA< mFjB+"A
:*Q%3+BA3+6);
5(*'**k(=d);.#A+
(Q4*'9)*A5+/*0'+6
+#\*kJN%JK'%6A(Bm*)3
%I1 A'+;9c<*0A+=c
:* FjB+"A.
! ( "#)$*'
#A'+695:)*%6@#A+
++A(5(9*n.oA$'
+6+B95:+$+B+"-)3$m5
**'5+A:.$:
* )*+AB*).
! + "#,*-
C@&%"+:' J%-6+"05I+A
)34c<05Im9+B&)1 E
)*:*c"-+m/ :*Q%3*.GW
1:*m(Umm(%+/=*
6+;!+BA)B*'A)A5B
9]e.YYY+vY.YYYq+#%XYxc5B.A0
w
5I:*%+" K0%6€J*
W9:'11E)( +:*,% 9
J*+5Q%35/I %'=)*
5dA0'$.
! ! "#./$'0
*#A1 ('E#A
9F+"**.>('$*+"
*E#A/\(% %l)*
5(9*n.8:'l+#\)*#*BA+"'$%
&%*-(%+JE.
=KLM66N9O64OabE9Z/9cN6
ESRE9IFd6KLM66N9O6P4QLRS9
69T/9U4O4VS
=D-e2-'$%
$= 05I:*)*('%B51'1
t*A)D);%6\+/ N%6
E@%6=1)*:*+)*\'*%6
=1)*c<PJ;6*:+)*\+'.
C(*' '$-@AD6$\
)*\' \+'W'$Z5IA\
'.C'1 ")2%6+%=()*05I:*#
A9$Z5: :*W+)*c<
'A9\' )*\Z$\
'A.C9+[+%*' 3+605I:*=t=6
:N='1t+:'O
P z*%*A)D);%6\
J+/.
e
P z*%Z5IA05IN+!%I+0+;
E:*.
P z*Q5.
•*%6=6E05I:* 3+6'+A
l:N'1t1++%=0**
)\3+6:* 3+$(:**'
*.
==$%&'(fg-01-L44
GdJ*)m* 05I
:**'*(+A3+6J
55(*1
(-%6AQ5(Q=O
E1/#F'GHF I 2
,-3:
+[+%c=E)*'%mA-@n1
\Q*43A3+6J5.+
'A9:*)*%6md.
E1/# + *J'*K* )
45,*:
C'm3+B
5()mB!$A90:*.
#A 5*3:*0)*4%-+\
E=6m(+'
&)3(+<"* ":
&)31/\.
E1C/#,-I))6
H0-L'G
RY
C'+/' :**,%+/
5($%%[)2 443+6
5 44*0 yC9++n+63
{* %=3 +#\EEm$4
45%4E05I:*.
E' %61 (1%W+6c
N+!'+/*.8$*'!3+6
(Q4+B@+5("%)D
Em%=33+6*0.
‚{* 05I:*md+
c+/*.C'1 '+A
)m)*3+6$%,$1>CHE
'+/'++%=*:*+#\
m)*%%+Q63)BE.
=?ag hi !"#$% & '(
L44
>(' &)-*-
(%1)*43A+J.CM+"05I
-:*+;'%6A& %t.
E1 4+6/5'1(
J:'5Q5<'I+A
:*.4E' m+<+B+$(+'A.
E1 \m+%=0%=3
m$*0 (A="))*m+"'+ mE
E K%E' $(Ac.
E1C $+$ "%A =);.G:*\
'+/I[k+A%jA'*
.
RR
E1 >CHDN305I
4'\n 0(*I )2
d@+/$%<+605I+A
9:*D[$+;-+:%)2
=605I.ƒ13+ 4+6=605I'
&+*4*5($(.
C@+$+5D()*$[$
& E%0)*mE+B#A05I:
*.G04E'(:)B05I+A)*m
d"('.
=AE-32&i"j!"#$%
!+;= :**5()*\=3+#
*1d%6'$.o#3 )%3*5
()*Q-+>CHI%-63+605I*l)*Q-
+#B+"'+ +!3.+ =<'A*
-+5(4[l-+
)B05I:*.B)3 %6'A:'=)B:
*lk35(5A.4E'
)B05I%6:*/+6cB]%:AO
%:A6$=::* %:A6$*
*%:A6$%m\.
12345)#67
8A>CH )B05I(-3% %<+6
305IdB$%)=::* +%=0
31/\'1t*+!3*);.G
$:A=1:*-[
RX
4':*-%<+6.o+:')*%6A
:A"+B:%JN%JK.
P G005I
G005I%6:*)*(A+%
Q +/ '+/+A3+605I*+":
*.G005I:*T%+3+B:=T@
%I1A+)BE*3 +%=&-05I
*+"* (N+!+/*)B
:*.H60'+#=6 A *+!
+tk!=605I:*J+/+BQ
{*4((I'.
8+B%6005IB)2+A :
*9(+B%4(A3+6
5(*' 9+B%6#)B)93
+6'+#\)2+B(BBJ 3$
05I ": )B m0 5I +A
.
P a'405I
a'405I)*%6(A'1t '+/:
*(05I*.G '40
5I)*%6"<=13005I4I
+$'005Im((
==t+"9,=/' *' %4Z
5IA'+#B.G)B'+B
+%=*'m€6*(('+/
='4(I05I*AB=+
R]
A'm.ƒ13+ )*%6+AB'$%,$
.G04E' :m,%+/ *
'+A2g'+/+)B3+6'
+A)345(*'.E' 005IB
'405I)*@:A-+)B0
5I+A.
P G)Bm,%+/5
C,%+/5)*(Z5IQ:0 E
A)( JZ)2m)1+*"'A*
5J*B 9+!:*+'+/*
+''m.8:')*m2g+[=( -
+)B05I.,%+/m0J
k5D+(3:*.
8[=()*+A m,%+/*+n
+B*%60J E4$%,$
m%$\4k)*%)„%Q6+"A
5(.ƒ13+ 5\0(%$)E5
dB'1":*1m4,%+/
:*5(1Q-@(%A
%4 !5(Q +#\t[Q%A
(@:**+AB**'.
P Cm05I
Cm05I=#%m$* $+A
3 $%m\5 $3+6PJ;6*(
A)Ey)*:A2g+[=(+A3+6
'=-+:')*)g3'%)#m$
.C\€=dcm(' ()m
Rv
5d)*%&<++'+/'m@0J
%*/\4%+<+B'1"3+605I
:&3:*$.
8[=( +A #m\E
m{*E%0mm+%=$5(J'
A )*-+.4 +:
)B05I+A4m05I$+AB
**'+BE+"'+9$# %6
0J +"'+*/\.
P G)B=605I
G005IWQ:%3+6%j:*.
('405I '+/05I'm
I6*=605I.8'+3( =60
5I%* )g%**5 %m
\5 &5=+$)1+
\' + =605I"+B+*3g)„ )1I*
*5(.
‚1+A 5@#3A1+n
=605I*(% @=(E*JZ)2
m)1+\' '%63 )3.
C)*+'&Q$
5()+;'04m0m
)(:*.G'+A)345(*'+n
=605I N5{%Q.H6%[ :
105I'+A*%*%g 0
5I)m4E.@=605I+4+6*E
5M=n@*)3*'*:*%+
R^
@*$%& +N%)3E:*m
W(3%*Q).z*=/9A3%6
:* k4%+%6:*[4%%6#*B
.C\B+ 55(*m4:
*k+)3*@BmA*)E
+B(05I**'Q).H[ @
=605Im+4+6:0*%*)3%3%
'4'Q:*[)*).C%)3 )B=60
5I +6II*)*:A'+/+%6:
*!+B**35+B'0.
P Gm%*%05I
Gm% %05I*'1
+6+)B'>CH.8:')*=(
!ƒ);+3:*+B@m0J$
445:*l* 9+
5'4(3+6'dB005I%*I
)*0' +3+B%I1+;+$.8A
&)% % *
')*44\m+B+"'+1c
A5().>Q@ m*'mW+B
(+A*%*+A=::*(
('4' 4)2A' 9+)39=6
%,%(B%m %l:'*
)*%%'0:*+A* 9+:
)B05I:*.
P Gm(:*
Gm(+6+)B3+6'
4(' %m('+$+B(1%'0=T
R_
Z5I"%$%'15I %)3(.z:
*Z5Im((+3 5/k5M 0
J*E(*.8$*'2g)+AB
*4+[+%'%mn 'A1(
:*5Im((+3k!+<"
A5( 3+$(E5IAQQ6
5.8#\ m((+3l"+53
)345/I 4<'+6A II+t)'4
3+6' :)B05I*&3
:*.
C%)3 )B05I/-)=-$:A
63%j:*.H<+6-:A*')*
€6*9$*44I
%j:*.+$":%)*)*%*+'+B
@-0 Z5I%6)3:A*'+
(3+605I+3)B.
18345)#9&:
z%605I+;+B4(+%=**0
)\A+I6$*0*
:*4)!+)*\t%@05I.+ :A
6$*l-))B05I.
P a'%mA
G5(3+65( $)BEk
+$(&'%mA-@.+ J!5
("'A >CH)m:%+'%mA.
$'1t :*W5('
Rp
5);.8$*'**dB'1"+%=&)\
93+6'>CHOW*B5.
C1%*+ A-@5(+)k3%6
%1tt!5(+B'Q5
%&B':*.8$*'lk3
%<c+A:*5
('A ":)B'+A.
P C4+6
G5()*\t%'$+$**%%
3+65M5(.C*m'=3%65
(1Q\I6)*@'+/A
*=3\5(.C'1 ++B@'
+/E'+n\%64+6*<
+/$)g%*5(+3+6.C
')B#:)-(%Q
$5().S")m+B+*
3%6=*=*(A+0<%m\
5+"'=+6('15(*'
'5MJ' :'c>CH.4E' :A*'l
-mn+)B3+6'+A.
P 83+<*
83+<*)*%6'A'4,%
+/.83+<\'mW+B+=T,%+3
+<%*+B%(%@3+6
5(< (3*)B
Q).C5' 0:E*&
\''+c%'+B(.z*
Rw
)9+:*m()E$A)( '\ '$-@
* Z5IA'm+!%I+0 m+!+AB
5 Q5.C43$h%i )EW
%I1)9+ %5IA:*+;:'m0)3
:* -)+)B05I+A.
P /0*/"5(1/\
G`+/T5(*)1I3+65
%6(*)*%&);lk+B%6/0*/"
+/1/\.zE'' 'Q[
:*lQ\B+#\)3%-6'
%mA'%$$)BEQ.8$+lg)*
)B3+605I+Ak+B:)1.
*$:A-+)B05I
:*+AO5(m
:*A)( •")5(
m(1%!+6(*•*+%=
'm+"'+ B)2y
168345)#5;.'<9&=8
>3+6>CH/+6):A6
$%m\.H6:*5dAt j)++:
3+65%43+6%m\
0/ J;6mc+/4l+3+B*
mQJ<.C3+605I+A %m\
l@-+/ (1%6A0
3O
P Hm\
Re
Hm\)*:Ag%m-++
)B05I+A.z$c+/ :**
5(k3+6A*+A%[0 5+)B
'+B+%=.B)3 $' %+**
*c+/3+6k:'&:**5
(.>Q@ Q 0m+#=6l)*%
J(>CH'.
+=A+"'=+61
Q0)m'+c+0</\ 5++;:'m0
&3+6>CH*()E
)B*Q+"J5.C1%*+ J6E*
*"5M-A(%%m\
mW3%6.C+$-)+
)B3+6'+A>CH.
P Hm\0/|J;6
Hm\0/|J;631c+/3+6J
5$.H6$5d
++:%*mc+/$0/PJ;64l
!*+"*>CH14+$
(+ 5d+B)BE)$%,l
*)\+B.o=c$0/PJ;6
+6+@05I+;m@-=
)B+3+6J55(+3+6
%m\+ 9+)*%)B05I%JA.>Q
@ %m\J;6+B=T4+65:0l
E<5:.4+65:0 K%=4k%
XY
(Z5IA' 3+605Im+3+B
)B.
P Hm\)2
GQ 0G0 >$3+60
5I:*+6+('+A
.@Q 0*'+B(553
&=)E'+/ m5D.3+6:
*-)+c+//\*01*
$1'+/$3+65:
* )*+/$3+605I)*Q+A[k.G'
+/$=+%$' $q)(At3+BZ5I+'
5*3 y+$T%3':*
":(3+605I:*.
H[ 3+65('A:*l=/
A=-Q 0Q*.0
0jB+A 0$( 0J
E, 0 ymB)2 :'&3+6
J54l)*%%('
:*.(A)E*W =%k3*)
)2E)B5(.B)3 (A
)Em[k #Kk:'$*5( )B
0m+B=(%6+"'+ :'-+(
3+6J5.H[ (A)E$k-k
5D+43))E5( :*m
+B%6+0J$5( -+)B0
5I:*+A.
P Hm\3
XR
C$/\ 33+6@>CH
'@5()*:A +6.4
+$")*3m=T*=4+`+3%6:
Q)*%3l>CH.8$*'!
3+65-1(Q.C)3 %m\3
/-%6)*+ 9+)(4
4k:'c)mW>CH%*.
+#g(%)B05I+A->CH.
C'5()<%3/\)*%
%m\3-1%K%.z+ :*WE
+Bm)($ 9+5D+@
'+/)"%.‚{* %m\3+6mn
+)B3+6'+A.
ƒ13+ )B05I+A/
-%6A:A=%31 3
yG!-)+&B\+'
}~l)B05I+A->CH.
?EWEE9klW96WE9IFd6KLM6P
4QL44
C)B3+605I)*%6(%Q+A*
m%6W1cB*+%60J.8
+)B05I%6>CH \5d%6EB
W1.$Q= )B05I%6>CH+B=
(%O%W1+/0*%W1+/)B.
?m@8;2]
GW1+/0+B+m03O
XX
P(()E &= +6(**$3
+605I.z*=€3+605I* :*l
)m+%=:'+/ ''.G'
:'1t&=* +)*O
…oZ5IA'+!%I+0+;EB+#05I.
…>*BA*);$'+!\3+;EB
+#05I
PG0/+$*+!+t )BdB
'1"3 5:*9\
€I.
P83+605I:**4
PJ;6.
P†'0:* %<+6%;*+A
05I%*:*.
?=m@8;2]!"#
8:')*W12g(+
)B05I%6>CH.4 @A)(+BZ5I+0
W1*'"+%=00J*+"'+.
45>#?.'@,*-
P A'}oG~+AcA$
%*:*+;'%6\€I.
P B'}G~+A'%mA
:*'3%6\+%.
CmW1*' !='%mA'+A
/\->CH.ƒ13+ A+6&-
X]
oG}x~*G}x~&%-6'%m'+A
&%O
CA+6&-
G+A
‡
G}&%~|G}&%PR~
JRYYx
G}&%PR~
CA +6 & -
oG+A
‡
oG}&%~PoG}&%PR~
JRYYx
oG}&%PR~
W1G*oG+A+$d
A+6&-W1*'&%)*5Q}ˆY~4+$
*'<n,%05I%*:*<!*
)mA+B+AB**'.a+'+BT
"$A*'*+B:*+<$Q.
H[5dE' 5B*5A'm+#g
)B05I+A+;A.+ ++"'+
)B05I"Z5I1%W1B3+A
.
45>#/A2
P Cq)(B3.
H<+6*3+605I+A+B
W1q)(B3+A.+ q)(*')*%6W1
++)B05I+A.
Cq)(B3+A
‡
B3+A
JRYYx
Cc5B+A
CNa'+/ve]fXYY^fa8P>*'XXv&%XYY^
CA+A>(%$(:)3B 0)E5
CGC B3#%OB"!2 B51
, B\*B&%A.
Xv
Cq)(B3)B05I+A
.z&#A+$k-J+&
:*.q)(B3 B&=d+t4
k5D+:*.C'1 !m
)E)B'+A)*Wm
q)(*'4:*+N+c%600
5I* 0+A* <)*m%-6
'+A)345(*'.8$++#g(
>CHk0)BE93+6'+AQ.G0
4E' ++0J)B05I+A"
BW1-1O5A*5B'+A.
ƒ13+ @+[1 `5
()1m)'q)(B3+A5()
+=)*' 9+)E$3
)B05I+A.
P Cq)(BJ
Cq)(B"!2 ‡
B"!2
‰RYYx
Cc5B
BJ‡CcB3PB"!2
Cq)(BJ ‡
BJ
‰RYYx
Cc5B
BJ=#%OB51, B+*B&
%A.GW1*'=cW11=-WJKW1B
34B3%*0+-+D")W)*
B"!2 :*Q)3*3B.GJK
+q)(BJ4g)*!+;0+@B$%,
X^
