HOẠT ĐỘNG PHỐI HỢP GIỮA QUỸ BẢO LÃNH TÍN DỤNG VỚI CÁC NGÂN HÀNG THƯƠNG MẠI VÀ TỔ CHỨC HIỆP HỘI TRONG VIỆC BẢO LÃNH TÍN DỤNG VÀ TRỢ GIÚP DOANH NGHIỆP NHỎ VÀ VỪA Ở VIỆT NAM

TẠP CHÍ ĐẠI HỌC SÀI GÒN Số 7 - Tháng 9/2011

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HOẠT ĐỘNG PHỐI HỢP GIỮA QUỸ BẢO LÃNH TÍN DỤNG
VỚI CÁC NGÂN HÀNG THƯƠNG MẠI VÀ TỔ CHỨC HIỆP HỘI
TRONG VIỆC BẢO LÃNH TÍN DỤNG VÀ TRỢ GIÚP
DOANH NGHIỆP NHỎ VÀ VỪA Ở VIỆT NAM
TRƯƠNG VĂN KHÁNH
(*)
VÕ ĐỨC TỒN
(**)

 












ABSTRACT
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The Credit Guarantee Fund for small and medium enterprises was established to help
these enterprises develop through the issue of credit guarantees to good business projects
of the enterprises who do not have mortgaged assets to borrow bank loans, and also to

help them improve their competitiveness, increase management capacity, and
administration.
To promote the role of the Credit Guarantee Fund to grant credit guarantees and
support small and medium enterprises, it is necessary to have a synchronous coordination
between the Credit Guarantee Fund and the credit organizations such as commercial
banks (creditors) and the enterprises (borrowers). However, the current co-ordination of
the Credit Guarantee Fund is still limited, and its roles are not fully developed. Therefore,
this article analyzes the situation of co-ordinated activities, bringing out the causes from
which the author proposes solutions hoping that the co-ordinated activities of the Credit
Guarantee Fund will be better in the future, thus meeting the needs of small and medium
enterprises.



(
ThS, Tr
(
ThS, Cơ 


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1. 
N    


        
      
       

     

    
      
       
   

      

        
DNNVV
        
  
       
doanh bình 

       




       

   
       



  
     
        



- 
cho các DNNVV:     
cùng các TCTD, c
BLTD cho các DNNVV.   

       

  
     H    
       

* 
* 
* 
* 
- 
 

. 
  


       
d       



*     


     

*   

BLTD.
*      
        

     
     
     

2.1. Hoạt động phối hợp để cấp BLTD
      



3

       
 ng qua BLTD.    
       

       
       
      


   



      

h, nâng
       
        

        
        




2.2. Hoạt động phối hợp để trợ giúp,
tư vấn cho DNNVV:

        

     thông tin trên
       

       

        
      a các
      


         
       


         
      


        
TCTD.





Bảng 1: Số lượng các DNNVV được BLTD và doanh số, số dư BLTD từ năm 2008
đến 2010
Chỉ tiêu
Năm 2008
Năm 2009
Năm 2010
- 
80
231
375
- 
114.280
536.458
835.691
- 
122.980
624.663
1.131.917





4

Chỉ tiêu
Năm 2008
Năm 2009
Năm 2010
- 




- 

6.700
3.500
1.200
2.000

250
11.500
5.200
2.800
3.500

520

16.300
6.500
4.200
5.600

850


2.3. Những hạn chế, tồn tại trong
hoạt động phối hợp
      
   

       

 mà


       
       
       

      
        

-    



       

       nhiên,
       
      
      
       

   

-       
       

         
  
  
       
        
     




-       

        

 
         


5
       
          

 

 

       
sách .
2.4. Nguyên nhân của những hạn chế
-       
 



       

- 

       


       

        

-       
 
   

     

-     ính:  
        
do các TCTD góp


     
    
    
       

       

- 
      
 


       
       

n 


       

và DNNVV.
- 
        

 

      
  

      




-       
NHNN       

       


- 
 

    



6
        


  PHÁP   

3.1. Tạo môi trường về pháp luật và

các cơ chế, chính sách thuận lợi cho hoạt
động phối hợp của Quỹ BLT
     

       
       

-
- 
       
      



- 

    

3.2. Thành lập thêm các Quỹ BLTD
tại các địa phương để mở rộng hoạt động
phối hợp để cấp tín dụng và BLTD cho
các DNNVV

       




        


        
BLTD cho các DNNVV.
3.3. Tăng cường hợp tác giữa Quỹ
BLTD với các TCTD để cấp tín dụng và
BLTD cho các DNNVV với hoạt động trợ
giúp phát triển DNNVV
       



       

        



3.4. Quỹ BLTD cần có chiến lược
phát triển lâu dài và kế hoạch thực hiện
hoạt động phối hợp với các TCTD để cấp
tín dụng và BLTD cho các DNNVV

      



   


        
DNNVV.

3.5. Ngân hàng Nhà nước có cơ chế
nhằm tạo thuận lợi cho hoạt động phối
hợp giữa các TCTD với Quỹ BLTD
       

   
    
       
      

       
     
chung cho ho    
     


7
 
       

        
      
        
        

      

3.6. Đa dạng hoá hoạt động phối hợp
để trợ giúp cho các DNNVV
       


       

       
      
 


-        
      

    
        lãnh tín

DNNVV.
-     
   
   n     

       
       


3.7. DNNVV cần duy trì và phát triển
hoạt động đã được cải thiện sau khi được
tư vấn, trợ giúp









  

     
       
       



       
 
       ;
       
  ; 




       
      


BLT      

       









8

TÀI LIỆU THAM KHẢO

1. 

2. 

3.               

