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c6 ki han n6u
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eui
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c6ns
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va
s6c
va
chuyan liap ki hd mdi nhr ki han
bar diu
va
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ndi.
sanq rrr surr n€n
gur:
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3 thdns: 1.00% thirg
Ki hqr
4
$ang: 1.00"/o lhane
Ki han 5 lhrng: l-00%rhrne
K! han 6 thrng: I .00% thd.g
K' han 7 theng: 100% thiins

Ki han 8 thing: 1 .00% thdng
Ki han
9
thdns: 1.00%
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K' han
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Ki
&r
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erii
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mor
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hn
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tin dunS se rla
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td lai thco thnng, hoic r.,
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vio ngiy dao h.n !i rian
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ndn
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tin

dlng iip dlng c6ng lhr'ic tinh lEi
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lian lai tiin
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nhu dan han na khdch hrng khOng ddr
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sni
liol kiem: cd k! han. kh6Dg ki han vd
tidn
eni

Itt
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duns Uo muiin tOn rai vA
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c6
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yuc
6p
trule dan cu cd thu nhip
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khoan rian lei cho cAc cA inan. cac 16 chfc kinh
16. Ddng $lti cung
v6n da sAn suil
kinh domh
,
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ra muc ri6u vi chi6n ldoc cho hoal dons huy dOns
v6n dnns din,
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Tuan thi
quy
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phiip
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hie. hinh
cna
qui
QTD
hay Ngan hing
trong
hoat d6nghuy d6ng
v6n
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khai
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tin v€
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phal
luat !i huins
d;n cna cl[ dch tong lme thdi ki

va
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ll,u hin.l. b.rnp-"pxnloor
r.':r-r
clal'td
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v6n
g;n
lian vdi sn d!d8 !6n, ki hoach
va
ti€n
dO huy done !6n
phai
phn
ha!vdinhucan
sndungv6n Lnngfioili.
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sid
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hut di,ng
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Muc dichthuchie! dritidudrnh
girhieu qua

hoal d6ng Aichinn c6c 10
chncrindungnhu
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rin dungnhim n;Dr b;l
ki! thdithuc lran& hieu
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kn; nrng
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n
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>

Chi
ti€u ilrnh
ei6
t6c .iO huy ilong !6n
'lleo
rh6ng lu 49/2004,.rT-BTC
ban hdnh nsdj,03/06/2004 cna b6 rai chiin
thl chi rieu dinh
sia
roc .l0line
huy
done v6n cb c6ng thtc sau:
Si ta vin h ut, it1hg
bilh.luan.ia l2 thdng ndmnn,
Ti;c da tdns h'r d6ry
in
=
(
-t
)x
100%
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bltL
quA,
cna 12ththg,dnttu(t
?i,,g dd:
56 du
v6n
huy dOne bao

ga,m
dan
eni
tu dan c4 rian
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cna
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rriiL,trc.hirianeii
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cric
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td c6
eii
ldic.
T6c d0lingtn l0oz troler:Xep
loai,A
T6c d0ltnsru0%
don dudi l0%:Xep loriB
T6c di tine tu dudi0% td xu6ng: x6p loaic
!
Cl'i
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e'6
t6c di litrg vitr diu tu
Da ra cho va!
vd
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gid
bilnt

quin.it
t2ttuing hitn tu!
T6c dA fins diu kviin
=
(-
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100%
Du t! cho w! rd dat tu
aiii!
td ut
ani
binh
qua,
cna
l2thdne ndn
trtrdc
r/o,a ddr
Du no cho vay
gin
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ca
nlan
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can c6
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T6c dO ilng rl dudi 0% t d xui5ng: x6p loai C
9
CHUONC 2: PHAN TicH TiNH HiNH
HUYDQNG vON cI]A
QUY
TiN DING VINH KTM
2.1. ci6i Thieu va
QTD
vinh Kin
2.1.1.
Q{aTrinh

Hinh Thnnh vi PhdtTridn
Cna
QTD
vio}
Kim
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Tcn :
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tin duns nh6n
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chi: Ap ChiLVi,Xa vinl Kin. Huyen
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2.1.1.2.
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ThinhvA PhntTrian,
XA vinl Kin thu6c huyen
Ceu Nsans c6
quOc
16 53 chay
qua, phia
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giip
s6ng Ti€n,

phia
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giep
xe Kim Hod,
phia
Nam
giip
xa Mt Hd.
phia
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gi
p
s6ng Tian. xa Phudc llio. rA Hung
Mi thuOc huyan Chau
'l.]lenh.
xa vinh
Kim,6 r0;p
g6,f
1._bo
h^ \dj
t 0a0 nnrn ii.lr. h;u h;r ta dm
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I
nh. ta dia
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Indng rnl cl;
lan
gido:
dro ! olg Crr J"u Pl,tr. dao.ao Dai.
ddnC nhar

U
C6ng Gi6o vdi 7,148
giilo
dan chidn 43,7% r,ing s6 den: Dao Pha12.409 phat
lli.
, nam ld.l00
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-,
uu rrc"dan hiir1.8""rong.ooan.
X, c6 di€n tich tu nhi€n
3918
ha,
dien rich canh dc l89l ha, 70% lim n6ns
30% cdn lail;m nganh nghdkhrc
Dra bm loar d,inr .ud
O-y
I
n dune n1"1 o-n ^d \ i Krm
g6T
<
r; V
ni
Kin, Kim Hoi. Mi Lone Bdc huren
Ciu Ngang !ixaHdngMi. Ptu6c Hdohuy4n
cl-;u hinh Neubr
d;n
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bing c rrl. r-:: rr-ng ir. ,,s ,fau.
nuoi ron-p
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shc
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diim
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nc h-ri.,.
vr
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dune cbua ra ddi. xd Vinh Kimlan6r
ircng nhnnS dian n6ng va cho vay nane
lai dudi nqi binh rhrlc nbu: cam c6, vay
ngiy, vay tu:n. vay thnnsvdilaisuit
rdl cao
(tua
din lo%).
Qli
lin dlrg rhin din xa vini KiD dddc thanh l6p d,co
siar
phip
s6:
09
\H
CP.
Chinn
thJ( d.
\;o

o, J.1'truntdy
00l
ooo.
\r'
ron
b-n d-u l|
l00rieudbng.do lglhinhviendangs6p.
Cu6i nhi€m ki 2001-2006 v6n
di6u te droc 298 deu rong d(l vi5n d I
lridu
d6ng'd' lin
rtu.
c6
phi
r
rhudq
\L, nr ld r4J rhll d^ne
l0
VAo lhang 5/2ool dve sdk6lo?ch
diulucip
eiliy
ph€p
uu dt di! lu .
Nlm2005 than
siahiep
hoiQli
lin dudenhan danvi€1Nam.
vin hdie 12
1005 du.c
nC;n

nnng Nhd nudl ri.r l ra Vinl-
chip,\uin cho
md.iiem
eiao
dich xn Mt LonB Bic.
Cu6i nni(h k, 2ul-r7 2n,
R
v;n diir la
d.r duac 4oo r.su d;n8.l,onE do
!6n
ru I
rr u
Julg
rrd
lir rI .n
tun
lhuong \ulen' la 4l rieu ddng.
Tt khi Iftd lip
Quj
1in
dlng dan nat nan cho !a) ninS laigidn 16 r€1.
.loi
s6ng cna nsuoi dan
dan duqc cai$ian v,i duoc.ang cao rcn.
2.1.2.Lin h vuc ho4t .lons
tinh doanh,Chtu Ning vA Nhi€m v'r
Cna
QTD
Vinn Kim
2.l.2.l.Linb vu-c Ho?i Dons

Kjnh Doanh Cna
Qdt
Tin Dqtrg Nhan D6n
Ori
rrl o rp nhin din Vrnh Kim
hoa. doo8 rhco co
(ha
kinh doanh ume
ddi d,y dn, c6 chnc ntng huy
ding moil$oan Iien
gni
cna moi $enh
phin
kinh ra
rt do J;L
ru
Indungnri
\unhuc:upnrLrri;nl.r'h
E
\hi
nruc 'a ndDg
fion
cnng vdi cnc nghiepr!
lhanhtodn
gdn
cichoal d6ng nhr
sau:
2.1.2.1.1 Huy.rOngYiSn:
Khai thdc va huy ding r6n cna moi
16 chtc dAn cu lhudc moi rhinn

phan
kinn idbao
g6mc,cloaiLian
snic6
ki han vi
khOngkinan.
Oiv
rin dunr Juu,
cl);r
huy
doip
vdn
b-ne rin
Cu:
cur ro&rn \,;n.
(a
nnan tren dia bln hoat d6ns
bing cAc hinh rhLlrc rhich hqp theo
quy
dinh
cia ngan
hdE nl'a
"u.c
\a
co rnich nh :m oo.n nr ,ll.f hdn ,t
rin
v" l;r
cho neuo:
gnr
lrii

lors nguon
.on.
L
Oir)
ri. Jur,r l-r
rin
lJ, ding
liir
guic!"
kndch
l-rrs
c\,aT
d
.onC ld nhir. lJn i nsuu,'
.nr
. |
)i
I
c:r cur un dung.
ldn
hu)
dong tlo diau kien fiu4n lqi, chn d6ne
cho
qui
tin dung lrong
qud
tiinl hoar d6ng
kini domhi tuy nhien ni
c6 ii.h cl6t kl6ng 6n dinh n6r b6
phan

d6ng ka
trors
ngu6n v6n ndy lu6n
bi6n dOng. V6n huy d6ng c6 xu hu6ns Lins,
siem
phu
thuoc
viLo uy
1in
vA k61qui
hoat ddne kinhdoanh cna
Qiiy
tindung
11
2.1.2.1.2 Diu
tu tin d!trg:
cho
vay ng;n h?n : D6ivdi ciic
holl dilng sin xu;t kinh doanh
hdng hoii vi
dichn.
Cho lay trurs
lr?n : Diji ldi crc nuc lieu hieu
qut
hoic nlc leu tui tinh
2.1.2.2 Chric
ningvn nhiem!t cia
Qui
iin dsng nhAb den Vinh Kim:
Qui

1in dungnhnn dAn Vinh Kim
thu6cNsin h,ing Nhd nudc
chi nh,jnh ftn
rra
Vinh.
rhu.
hii_ chjJ ne 'inh dodlr
dd ndnE.
,"ng
hop rrin linh
ruc
ri;r rE.
tin dunS d6i
vdi
c6c c6
nhen rhu6c moi lhdnh
Dhdn
kinh
16 rong vd ngoai nudc.
nh;n ldn dxi I i) lhc.
,, nEuin
\on
n.in hdn. lrurl
\dl ci!
I
nrnh
pni.
cac 16
chtc kinh t xahoi.
c6 nban rong nudc vdqnoc le,

Qot
rin dune nhan
den vinh Kio thuc hien
viec cit
gin
liL
qunn
li nhnng
lhoan
,r rF;. b,ng lach mo di
ll,-d,
rkn
fri
cro.h-ch hdng.
ding lldi nhJn
nhnng
khonn chitA theo lenh cia chi ldikhoin.
Ngodi.a
Quidn
dungnlin dnn Vjnh
Kin ci'n $uchien nliem
lrr cqbin liL
b;o Lon nrin
quj ra phd
r,iar )g,6n\ooli_
dod'hcu,Jm\: huchiilro
la
hoach chi dao cna c.ip lr€n.
Thvc hien ki hoach can d6i
di chinl, ldm t6t vai trd

rruns
sim
quan
rong ld
viec hur d6ng vi
phan ph6i
ngudn
v6n. rao d6dg lvc
phdt
trien
kinhl€hlycnnhd.
2.13. T6 chft
Quan
Li cn,
QTD
vinh
Kim
2.1.3.1. s0Da
T6
chnc:
sd,td t S" d; ca c;u
i chtc
BAN KII]M SOAT
GIAM DOC
PHO
cl,{M DOC
KI]TO
N
TI](JQUY
I2

Ots kah Dihh Lan
6ks Nsurah Hnu MA
Aks Nsryah Mihh chidn
Ong D6 Kin Ldng
Ang ftdn Napc Linh
Thti our:
unq
\Rlyeh va4
toh
qLlelE
Bat Trdn Thi M6 Li"h
Bn T6 rhi Yin NEac
Ti"
Dune:
OnEHuinh Minh DanE
A,c Yd Mith Khanh
Lnu n.n not aong
quan
tl
rno.hu
qch
not aa\Squah tl
Thaah iAn hii d;hg
qtu
h tti
tnahh
vteh
tataohEqtuh trt
marh iet hAi d;hg
qetn

lri
mahh iAn ban kidn
sodt
Thanh ieh
baa kiin sotil
2.1.3.2cdcAu T6 ch'h:
HAi DiN Oud, Tti:
Oas Cao YAt mie,
.hg D6 Kih Ldng
Ans Nsurt-n t'dn NEhi€p
Ong NgLrAn ldn ftuan
2.1.3.3.Nbiem v! vi chirNengC,ia
Cic Pbdnc Bm:
H'i aij"g
qadh
t,!:
Chn
ich
HOi dine
qutu
tti:
('1iu
,rdch
nh,im r,roc a", r^i
hdnh
vidn
.a
Hoi don8
qd;1
trive .aL cong

Daidi€ncho
Quy
1in
dlne nhan din trudc
phrp
luil.
Gi6n sdl viqc diau h:inh cna Cirm d6c
Qut
lin durg.
Ki cdc lin bin rhu6c rhan
quran
II6iddns
quin
1ri.
OuJ;
dilh ca rhoiii
rd,
\
r.r
qu1
!h;m
qu)!n
cud Cirn drc.
13
Ph'6 cht 1!.h ItOi itiins
qudn
t4:
C6 nhiem vr.i thuc hi€n di) dn va c6 t.ach nhien d6i vdi crc cOns viec
cna
HAiJ;ng

qu.n
In'IIDQI' huic \Fn n\ |IDOI
ph;nco.rg
Drdc thry mit IIDQT rhlrc hie
c6c cong
viec
cr)a HDQT rrong trudng hqp
Chn $ch HDQTvdng mi1dft xuat.
C6 tr6ch nnien $am
gi.
day dn cic budihop.
Di;u h;nh ro;m hr lud u",,'.:a
QL\
r,r duie.
r,ip rha chirhiciip uen s"r
d6
phd
bi6n cho can bO cine nhan liOn
tin dune. D;ng rhoi chiu noi rrrch nli,am
qu6n
li va noi hoal
done cna
Qui
dn dt n-q.
R0pr.tit.!!tg:
Hoar d6n8 tin
dune D nhiem w lrung li'n crla
Qut
lin dune.Tin dung
b

nchicD vu
sinh ldi chn
ydu
cna
Qut
dn dung. Do d6 b6
phan
rin dung c6
nhiem
!1l
hudng d;n l-hach ndg l"p n; o \ n
\-).
r,;T,d rhcn db,
r,a.
Lhu' tiin
hop di'ng
un dun8. kiam tn
r;,
s-o Ju.
-gru
d,
\+.
dA1d;.
,hu
Ini
nr
dan hdn. da E bien
phep
xri li no kn6 ddi. ftnng tin
dung

c6
qran
he
chfi che thudg xuyen vd,i crc
phdng
ban
khec.
Ciin bO
1ir
duDg ld ngudi lruc lidp nShi€n criu vl xri li c6ng vi€c
&udc
crc ngiep vu
dA! tu. nim bit th6dg rin.
phanrich
khrch htdg. d€ xuit cho vay
hodc
khons cho
vay
d6ildi limC kn,ch h?tng da bro c6o L xn li khi c6 tinh hu6ng
\ju
d1\
hudns
din
ron
d;, ru c -
\,ui
r,, J.,ns Di.n J6\ lhach hane ,l-r. hiir
tbco d,jLne ch6 dO c|ja
Qut
lin dMg.

RA
ph1a
ki todt:
fhong ld
,Jbn
i i, I lhj. i;-e
.m rhu .u.
go:
r:en. l;m rhrl LU( rhu ch, rli
.h ni. h"ch rr"n l,nl- oa"rl- dar
b"o
'd
cldns \ip .ho:.
(hrnh
x& rao di;u rren
cho c6ng ric kinh doanh
phAt
ridn t6t, cnng c6 vd nang cao uy rin
phuc
vu klrch
Thuc hien vi€c rhanh roin.
eni
chip. tna hidn |at ce cdc nghiip v!
phiit
si.lr
Inor
(&h
d.) di. ch nh \"c.,,ung rl'u l'.r rl"i
\a
.o

hi r'
6ns Nhb do Ban l;nh
d"o
(ip
rnoi r"tr ur r,nl, hinh .u, ii-\i'o-'rf.drog
ooghqp. nI hrnn$uc
hiel
.,ecrhu,.i
tr dune.roneh.?og,oo\on ron dont d; .o r; hoach
.u
olrg
t4