nâng cao hiệu quả cho vay tại quỹ tín dụng nhân dân vân canh

  
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
 !"#$%&'()*&&+,
/012'3.*&&4/54678
9: 9:%&&;<,=>8&1?/
<06@A(B:9:.,/),C0&9:
&/@+D;ECF:?G(2H4
/5$'.F'I1:J:$0;
.,/)%&4/5=4678
(D9%9CD39
1KL'M&;N,D9CD:(:%$@A(
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OQNRS:K.=7,1+BJO..@$J?.T/
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5C::(:/12'M',;<CHM9C
F/3./I/V9:49O
*+;RDKL9%9C9:,I9C:W;E
CM?.,XYJOFFQXRRSJ1:.,..,(
D*/?I),19%9C$,.MDJO
+,6$.5?4.5;E07CXRR6
D?Z4/%&,9U?:1 
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J1$=..D@A(%&64.*;
/2*&M&.?:/59:0 &+
XRRFN$GV%:\F09(+XYJO
FFFN])/B':(/(2%C.;
N(2%C.:(I^*_
N* _MJOQNRS9:09(7NR;

N*`_/++9(7XRRFN;
N*^_aC.,.9:&4bF09(
7XRRFN;
  
c5 +XRRFN$9W17'F9:
@.dB7,'16+XRRFN$&.>&P
+$==.7,D(/&.e$G6::(2%C
.;
R=%+&9%5f9%&$(2
%7G/,L<&(&;g/3?==.>
&7D(,9:,'+=0F93%:()(2%7G
?:*;
gF:*@.dB$+%-1?7
,D(/hF:iBJ/5+Vh&0CF$j
'1:,e(k4lR*$m,CU ),
'F92XRRFN6@.dG::(2%C
.:(;
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
 !"#$"
; ;hEnoXpnqNR;
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NR1:.?:1 G0(47r-,M
J  O  !!s Q?  XC    , t$l  V.  M  `   0  :(
`; `; !!sS9:,0(4,7.,.1-)+%$
1:49OF:9+-%u9:uO%u)
3.JO$M,49O,;
MJO?.,1:M%9:1:49OF
:$,M$,F9:B(:1 )+F
:Gr-,MJO9:r-?.,6bO27(&1:

*/?.,/)3$9:5C;MJO?.
,IF:?.,$0YJOFF$?.,6JO9:,B
M,;
%%)%*+, /0+1(%
E+JO1:9NRuOI9C=$I9CJ
O)3.JO$/=='+J1:_
iE+(9C$
iE+9($
iE+49O;
MJO?.,?(9C7,:929:7,
M$,F),:929(;,C?.1:
:929(.?+:92j++')3.-9:
?9?0,v1CF::0(4;
 !!"
/*&4/5$9C1:/<(&C20(&,
&0(9:0+;/CF:$,
NR1:.j'+/189j'1:
%;NR1:MM9C<%&;
  
E+(9C1:.9O5(29:&(&7'3l
F:(NR:;C7NR'I'.-_9C7
<9:,?;
NR?9(9CH+F::
BM,3.9CG0(47%^w7r-F:$
?9(9C7,NR,;
/0,/B+$+5)34NR=)+
59C$/=<NR,1+&9C$=,NR=)
9(9C1e04/512F:;
E($,NR&:(9CCBM7(&_
iE(I%7F0BM%u=l+

jl+$
iE(I%+5:/W7.$,F
0%u,;
 ! "#
NR?3.JOM$,F,BM9($
&3*.&9:3(5=,,;
GX(&4C #`sx`ww xXiE7F::
$9(1:BM3.JO$G=NR,:u
O%)uO9:OJ/534
G-9(2H=:/7C9:16;
NR,M$,F9(H+H,.MD9C
3$$49O$5C;
NR,M$,F9(/$:+b,,
D.,/)3$$49O$5C;
$%  "#&#'(
iNM9:OJ$,NR=,1+B9(GOJ_
9('3$9(.*+$9(.$
9(,F$29:,1+,;
iNM9:5+9($,NR=`1+B9(_9(
H+1:1+9(=5+ `,$9(/9::+1:1+
9(=5+/2 ;
E($,1+9(H+7NRI=_9('
9C1$&3M=,H+7,:$9(3
$9(1D$9(G+M$9(1F()$DI$&3.
  
'b1*;;;N,1+9(/9::+7NRI=_9(G
,D$2:J$9(I:/?$D9:3(5=,
/9::+Q/,.&0C&$/,o.&NJy7$/,.&
.;;;S;;;
iNM9:MJ9,:$,NR=`1+B

9(_9(='$9(=';
)* "#
X(&4 #`sxXiE7F::':
:(^ x `x`ww 9%0(&9(7NRC9,:60(4`
(2H*'/9(7NR1:_
ih,:9(9C7NR.'uO9C9(@O
J6-/E?.IJO;
iE:/?C9:169C9(@5+6-/E?.I
JO;
+ "#
%9(J1:*)Gz9:0(&49(7
NR$I5f1:M)NRG{$)/,,9:u1>,
BC(//0,/B9(;
G,9':$%9(9CI=_
ih,:.=1.,.1-FT1:9F9:
4/,FG0(47.,.1-;%:(?0(4
O).,.F9:,F9(9CNR$
iaOJuO9C9(?..,.$
iN=:J'/?/5+6&$
iN=,D$.*,349O9:=
0$.U?.90(47.,.1-$
i,0(4'%9(G0(47NJ.79:
e7NR;
 "#
5+9(1:/<0/V/E?.I
JO<NR9:,:;5$5+9(?J
,:'HD-%9(&5)/&?C9:169C
9(6?-/E?.IJO;/C/5?.5+
  
1:5NR9:,:U-9:,4;/2*

&E?.IJO$5+9(9e=)?%
P/@Hjz:2,:=%49:?NR3.
-;
,-  "#
m%9(1:9NR7B&,,3$
=09:=:/?7?C9:16;NR
&:9(/2*=''b:DC$&3.7,
:9($'16'2M';NR?9(/2*DC
'b.&7JNR9(;
NR,.O,'.,.b.K/7/$+*&9:
.,.1>)I??6,:9(;/%&4
/5$+&k//3+9:.M+.$9B&V,/7
/JO7NR%J*C$='%9(1:
2A'<j+&7,'0/4NR$f.K
<k'&-1?7/5;E($9
'%9(7NR?G44 s"x !!!xiNy
:(`!x `x !!!$44"|x`ww`xiNy:(`|x wx`ww`7NJ.7$
G=,NR=0(%1V$0(&499(=''b
:j9(=''b:9:.4/,9%
0(&47B;
/0$ "#
b,.MD7,:/99(9C$,NR/
%.*.,.9(,;(9-($&zG,/@9C9(9:
/?B+9(7NR?G^.*M9(
*'1:_9(1D$9(G+MJO9:9(/=.;
N9(1D1:.*M9(:W1D9(9C,NR
D(77O9(9C9:>&?.I9(9C9,:;F(
1:BM9(*C.'&7,NRC9,,:
=D9(5(2$=%)3.+M3
N9(G+MJO1:9,NR9:,:,49:

-+MJO(/B/534;F(1:B
M9(-<,:9(?5(2;
  
N9(/=.1:BMJO$G=,NR.z.,
:/C1:%1D/5+JO6-;N9(/=.
5?,.OC9,9(/9::+$:/?:C
4j:1F'%;
1234 "#
r639(QrS_1:v1.D/<C1?M?/lQrS
9C9C9(.,/QS/5l34$516
3?JG_
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

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5678"956:-  "#
9(.?:1 :E?.IJO;E?.IJ
O.=D(7,_%9($BM9($C%9($16
3$5+9($BM'$,/4:'$.*M/?9:
<&,?,'2-;
=,,$E?.IJO1:-'b9'<NR
9:,:$G=NR3.-),:?uO%7
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E?.I'%9(1:&7,:9%9uO:
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($,NR5uO,1+E?.I'%9(_E?.I&

3.$E?.IDC$E?.IJOH+2'%9(;
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i ak16B29($
i EIu1>;
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,:1=120/I*9(9CNmR&:,9_
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,:;1:J7,:$/?7,$.*
,9(9CQ&=S;yFJ9%'.,.'%9($J.,.1>$,/4
9:u1>:'%9()?D&;
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.F.4/,9%A4/2*=1 ',,
A49(;
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/I*9(QaeCw`xRS;/=.=&0)/&9:>

&7NmR9%9(;m,,A4.=D(7<>7
5A4$NmR9:=,-7},C;
c1 ',,A4$NmR1',,A49:I*
9(9C9:/B:'I*},C;
c=0(&49(7},Cj/'JO$NmR
',,:92120'&9%0(&49((9(;
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%9(QE?.I&3.$E?.IDCj''16S;
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//5?.D&$},C=)A41+j
NmRA4&.<.DK&$D.';
c2M$},C0(&49(j9(C
9<=9(0(%.,0(&7B;&0(&4
9(B',NmR)',,:'&;&0(&49(B
',,:'&)&>E?.IJO;c=$},C
1+:'I*NmR;
},C.4/,9%0(&47B;
iC9<=9(9?0(%.,0(&$},C2M$
Gz~/{>&7B9:/B:'I*9(9C12mJO;
  
cmJO6Gz9:0(&49($},CM
9:'2'V.z(9(7mJO)>ER;
 
mJO&.-I*9(9C},C/B12$mJO=
/,Gz',,A49::',:1/I*9(9C;
/5?.D&$mJO=)A41+jNmRA
41+;
cz($mJO='2'/{0(&49((

9(9:4/,9%0(&47B;c=()1+:
'I*},C;
/$"#
c:3,9A4$z(9(&9(
?(9($},C9:,:9(9C6>&E?.IJO
BNmR():'I*,'&,;
N,'&,-?I*9(9CNmR()&$&:
)/GzJ3?.1>$?..,.7,:1/I*;a
,:9(9C:9()+,%9(9:?;
c=$,'&,()M70Y.,%
,:9(;
cFNmR.&:)/,,BBuO
9C$9::'%9($4.5',,<')9.+E?.
IJO9:%3>&16+NR;
:;<5
NM9:j)3$$49O$:J9:
I/?7,:$NR-9,:9%l+/?9:
9:E?.IJO;
C9V9(NR.7$@5+$l+6
?-<NR9:,:;
c9($,'&,.5(2G{l+/?
/2E?.IJO)I?9(;
/:(&+/? w:($,'JO.1 3(',?
',,:jj.d,:9(9C)C?;
&+/?$,:9(9CG%•GE?.IJO
&NR,'&,)1:7O?;
  
h,:9(9C=).'b%jj/J:7
B)/?9(NR$,'&,.9O+,$C
%/?9:.D 7.O1OE?.IJO;

h,:9(9C=)/?/+;/5?./?/+$
NR9:,:9(9CD-9%C16%9(./
9?0,1636-/E?.IJO;
/5?.(2F,0:/??@+$
,:=9'/B+?j%Pl+/?;
h&l+/?j&@5+9($&,:9(
9C=/?@+9:?%Pl+?j
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{9:='.,)CI?0,+;
#%?56
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@A.#B$.3$.C"#
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O7NR;
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FGH. %2"#

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16$/,7,F$'.-.9O120&k169(
/,/5?.;
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/2;
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N,.KI=.D_
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ia:$

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/5%$+C9:9:$.9Ov,9:+1>$
9:49O')$49O93€;
!" 
  
.9O49O,/$NR,
G(2D7,:9:-1.J949O=;h,
:=)%&NR5()&5OQBM
()%,FS;%jY-.9O:(0,M
()%_z()%$.&()%€Ej=<,
:=:,+NR=(2DNR$
0,M_v$v$z;;;
! #
NR=)v7,:(j,:
1>:$01>9:%:,:?v,01>;
/1*,'F92.$/1*5P
$3..,C?J,$/16M9:/16/,.&
.$'16.,:M,.$1:/2O
M,NJ.79:,(;
N,49Ov,:(:(:.,/)+$3.,
+7NR9:D6;Mv,7NR
.O9:-<NR9:,:;49O:(9
1:1?-7NRI5/0<NR9:,
:;
NRM/,+49O:(@.,
:9':$9C'09-()%$j'
&=1:<%1.();m2+=9

,$40NR'=$J,$4.5$-
,'2/4$,;5=(J7NR9,:
f?/{/$I5NRf=%]&O]9C
7,:/5345,;C9
%&$,0NR~@.1?%j/1$
07J,%$=..D1:1:+,+:
J7,7)&,0NR;
NU9.,/)7F:+B49O:
NR3.,::(:.,/)$=$J,$
-;
KL#M&#' 
  
:(($NR=9/K0/V/%&0CF
/&/B.,i+,$5/0?.,
%'229/K7NR1:2e9C:(:/20/V;
/K7NR=)?Gz/2CJ+_
$%&NR@..=9CD/3
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)15/7//+9(7NR550
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EC.F,/7/?U),,+&/7/.J
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:9(0, |‚9C=7B$?9(0,|‚9C=C
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/B/+3:;
)5$
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h=?/?9:l+?$:'?CK1+7?.
I~?():?0,+;
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9:•GC2J,0,l+?$j=:
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€
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7NR;?0,+9:M?0,+.,31?:=
Q9(S/3/{z;?0,+9:M?0,+=&&
07NR/+9:*1;v1?0,+/2
?9(7NR+5)34f.,+
:7NR;&v1?0,+0,1$9?0,+34
BNR~j../7/39C$+9(7NR
=/29:&0+7NR=;
  
v1XEƒQ?0,+x?9(S ww‚
m2+=$),,+9(:(NR$=

)Gzv1<9(=''b:/2?9(;
@-NO$9
c.ANR3.,:1:.A9B$1:1+
49OJ;),,?31?49O.M/2*M
O7,:uO49O;c.A49O7NR=
<j)&M,'9,.A7:3,;
c.A49O7NRI++9-3:I++
49O?0,.9O7NR;/+
49O9($.A:NR3.,:1:0(%u
O9C/534NR9:,:=
-/;R=$NRD0FD7,:$&1 C
0j~9:-(9,:$/&'4.O9O,
:;
() *+,- .+/
),,@,:$,NR5,.O,P
24J_
iaM*P9:-/7O$/B9(7NR
C9,:;aMM4.5;7=9(,:
,:D&;j'1:M0F$/2*-(9:
*/?<NR9:,:;
iJ.U?.71639(7NR;h'F,:1:
59($./16NRB=1:.J)uO9C9(;
&.J:(*9157,:,:D
BHZ1:/3=/9:/?;aj,$)/C0
9,:$,NR,=)/<M163]3.e])
+/@,:B;R=$NRD.0F93
%+/<,NR$163:NR/D.1+$9'
@,:9'1?-7NR$I5NRD
.0FM1634/55l;
ih,.O+/0(/B.9O7NR;

hV.,/)zG'&1/2%1899:
:'5C6$+/+7NR;/<
  
0$*/B+,+NR$,.O6
?0F;5=$+%NR&:+7B
=$J,$'5u1>.9O9:+%9
,:~?3.<49OC3;
K@-&# ! "#
h&0+9(7NR5?,J/2,P2_
i r?-$
i X(JO$
i N*3JO$
15P
NR1:.$=O2C,1?-
1:O2?2j'/%&4/5(;
aV./*&4/5P=)I+9:.,/)'b
=16;aNRC=16B7(&16
?,9(.1*.J;)1?-$jNR
.BV'.,.$j,NR..J.9O7
B;/%+/($90'.,.
1639(1:==)?'D&,NR%/M
+/094/163+/;
Q.R78
X(+9(7NR.,BB+9(
7NR$9%C1??)0,P2O)_C
9($C?9:?9(7NR+5),,;
),,0('&7NR$DG{9:,,P
2=G5;
ƒ „ i
0478

N*3JO)v/V,O9(/C?
9(7NR5l;/2*Gz*3JO7NR
&?.9BB&3=)3(+7NR /
9:<'.-:$.U?.9.,/)&6;
R?9(
Cl
R?9(
Dl
RC9(
/l
RCợ
/l
  
N=)3(/b<+JO$+9(7NR9
()4*3&=C0'M9$/=+
9(P=)1+09:.,/)'%9</:+
&%&.,/)49:9<H$81:*3&()4
G@;h*3&-M1:1?&,70C
?,/)$~1:+9(/2z
$@9%09:/7/;?1+$+9(f=
9/K,/30/VC90,/B()4*3&;%j
*3$&*3JO?%:1+9:.U?.~/:F
CJ@A(0,/B()4*3&G46,
4TK&*39(9:*3JO?%:&1+9:
/B/B~/:FCB60,/B()4*3&;
9-($U990(?JO),.MD9C
/&1:9,4*3JO$*39(.U?.9
()4*3&;
%)%@%*+A.<9B/C342829+,6(:+1(%
E09(=>8/31C9I+9:.,/)7

NR;)01>C09($NR.)/{,7<
FC31?09($15?M
7=;
K$&#
L7#$9
h,:1:5=DuO9C7NR;h,:
C?,.MD(79C.U?.9D395
+9($1639(?.1>$7O=;
/%&4/5($,:1:FC0/V@
A(.,/)9:41F:/+7NR;R=$NR.
J/09,:/2*0+
7,:G1+0+7NR;(2$D..F
J,,,:PP$J,)&.-?<,:=
31?'9C9(7NR?D@;3
<:(~++9(7NR:9:0;
h,:+=0B:/?%
9(NR7C9:16@+$~1:9K0(9CJO$/
09CD$0I9C9($09(7NR;

  
L7#'
73$78&#'
NJ,JO7NR1:C,'.,.120&9
&/*JOj+&JO)+O26?+4
7NR$+&/7/$':/7NR;9-($
'3MJ,JO:/%&%.+^O2_1?
-$:J/7/9:1:+7,JO;
m3MNR:C+?,O2B.
+4,/{/:J,.U?.NRB),4
.*uOI9C=$)+/:=31?J/7/;

I5$J,JOf1:]'e]0/V,
,'JO+7B;
!"
aCF09(BNR.,.MD(79C,
.+312O;&($I9C
=7,NR0,L'z$,NRC=79C3.,
.BNR.(?,I9C%:/%
&;I9C((.'&I_%u7,M
&6$%u7F;
NR=,.M79C+37,
.B%&.,/)$,.3=
0$=16$:/9C9(NR7C9:16;
4%5=.>78"9; "#
X,/B9(?'HDA49(&.,%
9($)/0,/BuO9C9(&I??;
A49(1:F0/V3$0(&4&0
9(;CFA49(~+%%9I9C9:
16&+,$+%9CJO1F();
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1?(/9:'?:7I9C;
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R$ST !'
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.K'120,V/2*/V(2HJO$
01>?:?9::=7NR;
R/7//JO(/*9,1+
B,2D=.C?.<,'.-/NR$D=

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2&;
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R78
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0&9G{01>I?;
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&$0&9:@.,.1-;aj,$,'%:.,?=$
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9F09(;
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$3Ak:.z.,NR':/JO$
9(;?1+$%&/B/B+9(7NRf'4
….1+;
GR<
a/52$2$4+1:<'&Ce2b
:D),75;NJ</7/15/?
:(~1:/&.&+7,:9(9C9:e&
/7/,:/?@+NR;
%)%D%EF+G.3C.?93A+(,342829+,6(:+1(%
F09(7NR1:3(&,0/%
&4/5;
+"U'
NR1:1+B.(2/2189%9:
49OF:;Nf,1+B.,+/*
&4/5$OJ7NR1:1?-;
N9(1:+157(&7,NR$.D1/7/
9:3:%.,/,V9(;B9-($'.,.:
D)(/B49:.,/)7NR1:'+9(
1:+9:=31?;F09(@.NR'
:/+$1?-9:Z494&7NR/24
/5;
+"U$9
/%%&4/5$+37
,.4,+~7,0(1-&,0
0(1-,/4$0(1-D$0(1-+/;;;$+3
7 ./2*,.MD4/5$
6D74/5/2V.*,$C1?$31?$
71+:,;;;$+37..+

0&34B'M9</+/;)=)
,.MC3,(2D74/5$.<DF
  
31?1$7C9::*&01>&$&+
,&,:K.&,(=$/&'4$F((%
$BKuO9-1$/0(3,J
?.;<+:(KLC1?19CD$%9?
0,9C=7.;hH.O=:(.
=)B&NR9(9C)6DD7B;0
+JO$NR1:&DC<.94/5;E
0I9CJO7NR3..=9/K0/V
/9F31?Vj70,/B3$@.
.,.MD4/5$=+.WM
9<H/+/;•{/:99(7NR+%
./3$F31?.A9:Z494&
7B/+/;
+"U3<$A&#
C1:(&C0/V/.,/)&7W0C$9:
?1+%&:.,/)~+/:%9C;NR1:7)
J,.MD9C3;NRM/(,
I9C+5:/W/6$0.9OJO;NR6
3.9C%+&$,.M,D9C,4.
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9:5C;
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EX=M0/4XRRG0(47y,.r-;
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929:/y,.r-;
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