Báo cáo thực tập tại Ngân hàng nông nghiệp và phát triển nông thôn tỉnh Hải Dương.PDF

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<b>Ha </b>N0i, thing 3/2008

<i>o&2J`IP </i>

BO GIAO DUC VA DAO <b>TAO TRHONG DAI HQC DL THANG LONG </b>

DON VI: NGAN HANG NONG NGHIEP & PHAT TRI6I NONG THON TINH HAI DUONG

<i>Sinh hien this hi4n ::Phtiner,finiut (Day. </i>

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Ma CAO TDIIC TAP

NOi. ngay thing nam 2007

KIgN NHAN XET Cf1A

GAO

VIEN

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3)S9LWriattk Letts IsA0 me a

IAA MO Mu

Tit [hang 8 nam 1988 trb v6 (nide, hog Ong cim Nan hang (NH) nut ta theo m0 hinh 1 cap Ngan hang Trung uong (NHTW) vim iliac hien chat nang quan li, vim that hien chic Ong kinh doanh. Nam 1990 thuc hien during 16i cUa Hang lea Nha nude 2 phip Ienh caa ngan hang mai ra dig N6 Ho co s& phip Ii cho he thong Ngin hang Viet Nam lien hanh mot bur& diii mai co ban chuyd ang hoar dOng theo m6 hinh 2 cap la Nan hang Nha Nude (NIINN) va ale td chat tin dung. NS hang Nha nude thuc hien chile nang quan li Nha nube vd lien te, tin dung va quan trong bon la Ngan hang phit hanh dong thin la ngan hang cua cac ngan hang tren lAnh th6 Viet Nam. Cat ngan Mang thuong mai (NHTM), td chic tin dung (TCTD) hog dOng kink doanh ti6n va dich vu ngan hang theo co the thi trugng dual sir quan It vim Nhi nude.

11 d6 den nay he thong ngan hang ViH Nam da khOng nmkng Mgs ding cd va pith tridn. Da gap phan tick cut vao tang mac ddi mai caa dat nude. Thanh tick ndi bat dm ninth Ngan hang la day lei dude lam phat phi ma vi do Binh duct gni tri ding tien, phat huy aunt vai trO cita vier huy dOng von dap (mg duet yeu eau phat trien kinh to xa bei, g6p phdn Lich cue trong yiec xaa dot gilin ngheo, clan dfin cal Chien throe did sang nhan dan lao Mang.

Trong hog acing caa ngan hang van de cung drag von la yenta quyit Binh

<i>d6n </i>

sty tang train va phat [ride kinh le cda ca nude.

Nganh Nan hang ndi chung va he thong Ngan hang Nang nghiep va Phit hi& N6ng than (NHNo&FTNT) ndi rieng dang ca vai ink cue ki quan trong irons ging tic huy Ong gin ngan han, trung ban va <Hi han bOi vi na la mat log hinh tong gian tai chinh, lo von cho nen kilt td phut vu sit nghiep d6i mai cim dift

<i>nude </i>

phut vu dab lac

cho vies iliac hien chit chuong clueing 16i phat trgn kinh to cita Hang va Nhit nude. Xu6.1 ^{phat to thuc fien urn, trong qui thrill that tap tai co so em da magi clan}

that hien dd

<i>"Gong tdc hay dOng von d Ngdn hdng Ngdn hdng Nang nghiOp vd Phdt train NOng thdn tinh Hdi D - Thgc trqng vd gldi phdp". </i>

Ha° cao thuc litptm 3

Chums 1: Li luan chung

<i>ye </i>

Ong tic huy dOng gin tai cac ngan hang thuong mai. Chuang II: mire trang cOng tic huy clang von tai nhno&ptrit tinh hid throng.

Chuang 111:Giai phap day manh buy dOng Win b ngan hang no&ptnt tinh had during

ClurangIV: Muc tieu, goal ^{phap chit yen nam 2008}

i

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Lena ^{sea CAO TraCt}

CHUGNG

I

Li LUAN CHUNG VE CONG TAC HUY HONG VON TAI CAC NGAN HANG THLIONG MAI

1. Kbal quat ye ngan hang Hwang mai va vat Erb can nguan von buy deng dal v6i ngan hang tbnong mai.

1.1. Altai them NHTM.

He thong NHTM duoc hlnh thanh va phat Irian tren co so san xuat va btu thOng hang hoa phat tridn boat dOng dm NH di dung met vai tre quan trong khOng tha thieu trong nen kinh to hien dai. MOi critic gia tren the gioi deli c6 met ma hinh ye trung gian tai chInh phat hi& ca ye quy me, cling nhu ddi twang hoot dOng giao dich va dich vu.Khai niem ve NHTM con co nhieu dim khic nhau nhung nhin chung NHTM duoc coi la met doanh nghiep dac biet tren thi tinting chuyen kinh doanh tien

Tai Viet Nam, theo pilau lenh ngan hang hop tic xi tin dung va cling ty tai chinh ban hanh ngay 30/6/1990, NHTM duoc dinh nghia: NHTM la met t6 chnt kinh doanh tien to ma boat deng chit yeti va thuong xuyen la nhnn nen giri can !chick hang vol trach nhiem hoan tra va sir dung sd lien d6 d$ cho vay va thoc hien nghiep vu chi& khan va lam phuong lien thanh loin. Nam 1997, Lunt cac T6 chilc tin dung ra den, tai dieu 20 xic dinh: " T5 chdc tin dung 14 doanh nghiep duoc thanh 14p theo quy dinh cim hint nay va Sc quy dinh khac cna phip lust de hoar deng kinh doanh tien te, lam dich vu ngan hang voi nei dung tien gni va sir dung tien gni dd cap tin dung, cung dna cac dich vu thanh man".

Vi vny NHTM phai tan lap met khdi luting van do 16n de dap ling nhu cau coo khich hang.

1.2. Clic nghiep vu co ban cim NHTM.

Tren nen kinh t@ thi truOng hien nay, Sc NHTM mac da kinh doanh da nang nhung hog dOng cua Ngan hang van theo 3 nghiep vu chinh: Nghiep vu tai san no, nghiep vu tai son c6 va nghiep vu trung gian.

<i>1.2.1. Nghi.Op vu thi sdn no. </i>

Day la nghiep vu khoi din rat quan trong

ram

nen ei cho host dOng cua NHTM. Nghiep vu tai sin no

la

nghiep vu phai Ink flan& van dm Ngan hang ngky met d6i dao, 6n dinh va tang truang, dam bio an toan cho hoar dOng cim Ngan hang. Nghiep vu Hi Hun no bao gam:

<i>1.2.1.1. Von chti sd hag. </i>

Van chi' so hfiu la sd van thuec quyen so him coo NHTM, do la nhung gia Iri Lien le do Ngan hang too _lap duoc vathuOc 56 hiht caa NgAn hang. V6n nay chiem ti le rat nhO trong kat cau tang ngthin van cim NgAn hang nhung 1a la dieu Den bit buOc khi thanh lap mOt Ngan hang la co se, di ma rOng quy me hoar (Hong cita Ngan hang,

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<small>Hlfl 1)QC </small>

nwtrea Lone uito

CAB TT/QCLAP guy& dinh den nang lug va the canh tranh can NHTM, la tai san darn bao uy tin cua Ngan hang dei ygi khach hang.Theo sit ^{phit trien caa Ngfin hang van nay se meg met} phit filen .Vgn chit s& huu bao gem:

<i>+Von dila le: </i>

la yen ma NHTM phai c6 <i>de </i>di vao hoat dOng duvic ghi vao van bin Oran quy. Tay theo hinh that so hint ma nguen yen nay dugc hinh Maid' to Sc non% Mitt° nhau. DOl vOi NHTM Nha nude tai ngu6n van nay do Nha nude cap. Con ddi yeti NHTM

<i>cd </i>

phan thi ngu6n lai to viec phat hanh

<i>cd phieu. Van </i>

dieu le phut vu cho viec me rOng, khari clang Ngan hang, trio ra co sa vat chit ban dau de Ngan hang di vao boat dQng. Von dieu le the hien qui me, uy tin dm Ngan hang. Ty le ydn nh6 chi chiOm 5 -

10% thng nguan van. Thuting cac Ngan hang

<i>c6 </i>

'Man sau met thed gian hoat dQng muen 'rang vain dieu le len bang cach phat TIMM them c6 phieu cac ngudn von b6 sung dug° nth tren co s& IN nhuan khOng chia lei nhuan sau thue, hone tang nguOn van nay bang cach phat hanh trai phieu Ngan hang. Van <i>sit </i>him caa Ngan hang nhu met cal dem chOng do so sut giam gia tri caa 'Mang tai san c6 con Ngan hang.

<i>+Cdc quy, du Ira : </i>

Trong Ngan hang hinh thanh len 'Mien qui dtt pheng rid ro, qui ph& loi nhAm bac, ve guy& Igi cua ngudi giri lien. ban chi rUi ro cho <i>Sc </i>co quart bao hiem, dam bao thanh khoan va cung cap mot phan Si san co bit dip thua Id, quy du in/ de b6 sung yen didu le va quy du try du phong tai chinh

<i>a </i>

du pheng rut ro. Khoan nth lap nay la quan trong va can thigt vi boat dOng caa Ngan hang trong nen kinh trulang 'wan tiem an rui ro. 0 viet Nam can cd vao Nghi dinh 166/ND-CP new 19-11-1999 tuft trich lap quy la 5% Ica nhuan sau thu6, mac tdi da cua quy nay bang mac van diets le thuc ca.

Quy du trig b6 sung van didu le = loi nhuan sau thug x 5%

Quy du phang tai chinh la v0 cling quay trong, n6 dugc xem nhu la met be phan von quart trong ba drip sit thua 16. & Viet Nam theo van ban hien halt, hang nam NHTM dugc trick lap 10% loi nhuan sau thu& SO du quy nay khOng &Arc vugt qui

25% van dieu le cua NS hang.

Ngohi ra hang nam NHTM con cd tao lap cac guy Ichas nhu quy phic 19i, <i>quy </i>

ghat tri6n nghiep

<i>+Tdi sdn no khdc : Theo </i>

quy dinh caa phap luat met se Si sin no kit duet coi la nguen von chu so him cua NHTM, bao g6m:

- Ven &LI to xay dung 0 mua sam tai san c6 do Nha nude cap( nett co) - Cie khoAn chenh loch do danh giglsi tai san, chenh Itch ti gia

- Loi nhuan dtroc de lai chug phan b6 cho cac quy.

<i>1.2.1.2. Vein huy dOng. </i>

Von huy dOng cua NHTM la nhung ma In gen to ma Ngan hang buy clang clugc N cac t6 chile tai chinh, t6 chat kinh to va SC ca nhan gong xa hOi.Nguan nay Ngan hang chi Co quyen sir dung ma khOng Co quygn so hal va cog trich nhiem twin try ca

<i>Pham Xudn Duy </i>

⁶

<i>Md. Sv A07162 </i>

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),MacCgrinG LORG site <b>Cite </b>

gay. va Ilii khi den ki han bog khi khich hang co nhu cau rut vdn. Van huy long thtremg xuyen hien Ogg nen Ngan hang nogg duoc phep sir dung het van dfi vao kinh doanh ma phai du tad mot ti le hop If da dam Wm kha nang thanh loan.

Van huy dOng la clang cu Minh trong heat clang kinh doanh cua NHTM, no la thanh phan chum ti trong lent nhSt trong tang flan& van.. NO quy& dinh den guy ma hog clang cua mat Ngan hang. Ngan hang manh la mat Ngan hang c6 nguan van huy dOng Ion .Hien nay vdi su xug hien cua nhieu to chat kinh le mu6n &oh thing lei trong canh tranh Ngan hang can phai due ra duct nhung chfnh such huy dOng van phi,' hop.

<i>1.21.3. Vaz di vay. </i>

La nguen van ngan hang chit dens di vay trey thi truang nham dap ling nhu tali van thigu but van the theri. Nguan vdn di vay Muting chitm ti trong n116 trong ket tali tang nguan van cua Ngan hang nhung n6 lai can thith dam boo cho hog dOng kinh doanh cua Ngan hang duct dian ra binh thuang.

Van di vay co tinh an dinh nhung lai phai tra lai cao nen Mt lei trong van de tai da ham lei rthug cua NHTM hug cat NHTM phth (Mb roan ki Mang truec khi quyM dinh vay. Van di vay boo gam: vay NHTW, vay TCTD khic.

+ Vay NHTW: La hinh thdc cac NHTM can b6 sung nhu tau van kha dung va phai phii hop vdi muc lieu cua Ngan hang Nha nude tren cc st:t su (lieu fiat cua chInh sach [ten to cling nhu su kidm soot gat gao cua Ngan hang Nha mtg. Tay theo muc dich sir dung van di vay nay duet chia lam cac

- Vay ngan han bit sung: day la hinh that ma NHTM xin vay b6 sung van Ivan han can minh. Cac Ngan hang chi duoc vay khi con him mac tin dung hog trong han muc tin dung ma Ngan hang di thoa thuan.

- Vay van dd thanh man: day lit hinh that cac NHTM vay nham muc dfch bit dap thiau but tam thoi trong thanh loan. Do thin him vay ngan, chi phi lai cao nen Mc Ngan hang phai tang cueing vdn khic dd hoan tri van truck hog clang that han.

+ Vay cg TCTD khac: La qua tranh dieu hea nhu can van kha dung gala NHTM du Ire thaa cho NHTM do till thiEu. Chi phi cho loaf van nay cao Ngan hang chi sir dung khi c6 nhu can that sir can thief

<i>a </i>

dam bio cho hog dOng Ma mirth.

<i>1.2.1.4. Win khac. </i>

LA roan be gii di lien le ma NHTM huy clang duet thong qua viec cung cap Mc pluming tien thanh roan va cung cap cac dich vu Ay that eau or.

Trong qui trinh lam [rang gian Mani] loan NHTM cling too duct mat khoAn van do la van trong thanh tog. Cie kboan lien tam Mai dug trich lap kb:f tai khoan nay nhg vim tai khoim khac cab sir dung nen dug coi la tien nhan rai.

Thong qua nghig vu dai Ii NHTM cling thu hit duoc met brong van ding ke trong qua dirt chi ha khich hang, nhg va chuyeh lien van cho khich hang hog mat

<i>Phqm %din Duy </i>

7 Ma

<i>Sv A07162 </i>

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Big WC TOWS Lane Ma Ma Tit= TO

du an ditu rig. Do viec phit den duoc that hien rhea den de tong viec nen NHTM

rb

the <i>sir </i>dung s6 tien con du tren tai kboan d6 vao hog dOng kinh doanh. Ngan hang &mg vai trb Ming gian vira thu phi dich vu khach hang.

Trong qua trinh heat dong thy then tang diet kien hoan canh khic nhau NHTM s& dung linh hog tang log nghiep vu de ed nguen vdn dap Ong da cho nen kinh te. Ngoai ra d61 vii nghiep vu tai sin no lieu cac NHTM quan In tOt se Ihdc d&y kinh doanh tang truemg doing Mei giam bat nheng bien dong cna chu ky kinh doanh va <small>sic </small>

4 mang drib thin vu dui voi hog dong nhan lien giri va cho vay.

<i>1.2.2. Nghqp vutdi sun co. </i>

Day la nghiep w phan anh qua trinh sir dung vdn vao muc dich !chic nhau cua NHTM nham darn lino an roan g hr tun kiem loi nhuan can mic NHTM. Nghiep vu It san co bao g6m:

<i>a. Nghiep vu ngem qui. </i>

Trong qua With hog dOng Ngan hang Wen filch lap ra mar khoan du phOng thich hop. Bao gem ben mat tai quji, lien giti NHNN, tin gin o cac NHTM Ichac cac be phan nen hinh thanh nen Ott Mr trig cua cac NHTM. Mac du du Inr cua NHTM kheng tag) len Icii nhuan nhung no dam bao kha Ming thanh roan va cite nghia vu tai chink khac cho NHTM. VI the no han chi rai ro thanh khoin ye Ming cao uy tin caa

<i>b. Nghiep vu cho </i>vay.

Day la nghiep vu chU you cua mei Ngan hang, mi anh Inking truc hip den sit ton tai cua mot Ngan hang. M6i Ngan hang deu rig nheng chinh sash Cu the thich hop de nghiep vu cho vay this hien co hieu qua. Hien nay nghiep vu cho vay co rat nhieu hinh that, bao gem: chi& kheu throng phieu, cho vay thue num, cho vay than chi, tin dung Igo HIM, tin dung lieu dung... Day la nghiep vu cling Ong Win ciniNHTM true tiep cho

<i>Sc </i>nhu eau san 'mat kink doanh va nhu eau tieu clang tren co <i>se </i>thee man Sc dies kien vay vdn caa NHTM. Khi that hien nghiep w cho vay NH co the lam soar true Lieu va thuting xuyen muc dich sit dung hen vay. Cho vay la cac nghiep vu chit yeti chitin ty trong him trong kit du king thu nham via NHTM.

<i>c.Nghiepvu ddu tit </i>

Day lit nghiep vu mang tinh chi& luoc caa Ngim hang. Ben eanh that hien Sc nghiep vu chinh nhu da Ice tren de tang them loi nhuan NgAn hang thuting that hien dau to vao met se linh vim. Bao gem gap vdn mua cd phdn, tham gin lien doanh, din Liz vao cluing khoan...nghiep vu nay lam da clang hoa Sc hog tieing kinh doanh cua NHTM nham phan tan rai ro va nang cao hog Ong kinh doanh cua NHTM.

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KIP HOC 'I 712WI ttie CAB TTiBC T$+

<i>chAlghiep vu tai sdn co khoc. </i>

Bao gem nheng hien vat nhu: try s6 lam viec, may tinh, phuong tien van Mi vi nheng trang thiet bi kbac do NHTM sa heti. Day la nghiep vu khOng shill Igi tote tiep nhung thong qua do Leo vi the dm NHTM tong mei truong canh [tank.

<i>1.2.3. Nahigp vu (rung gian. </i>

Cong vdi su phat Inert cda khoa hoc ky thihat va viec op dung Ong nghe tin hoc dien tit trong link vat Ngan hang da chg trong phat trien the dich vu phut vu khac hang ngay tang them da clang va thuan tien, di x6a bo quan niem truyen thing cho rang thu nhap cua Ngan hang deu bat nguen td hoar dung cho vay vi diu tu. Nghiep vu (rung gian bao g6m:

<i>a. Dich vu thank roan: </i>Cling ung die phuong tien thank man, thgc hien dich vy thank roan trong nude, dich vu thu va chi h0 ddi vdi khich hang. Dich vy thanh toin dim bao tdc de chuyen lien nhanh thong, giam chi phi km thong lien mat, an loan tai san cho khach hang. Nhieu tong cu thanh Man hien dai m deri nhu: may nit tien to dOng, the thanh loan, thong mai dien

<i>b. Kink doanh ngogi hal va yang: </i>Trong nen kinh te thi trugng hien nay khi ma toan cau boa clang dien ra manh me 0 tat ca ale nueic Tien the gigi, giao dich vdi nugc ngoai la dieu can thiet trong hei nhap. Ngan hang da thuc hien cM1gc nang mua ban ngoai te voi nhieu hinh didt phong phd va da dang.Tham gia thi mrong h6i doai Ngan hang c6 the mua bin ngoai te trot Ben cho minh hoac CO the mua ban he khach hang.

<i>c. Thgc hien ay that ddu to va dal </i> Ngan hang Minh lap the van pheng iy that dau tu, tir do that hien the oy nhiem cim khach hang tren met s6 linh we nhat dinh nhu: mua ban chimg khoin, thu hoac chi tra loi toe thong khoin, quin Ii quy htm trf, quan If tai sin M1B Ichich hang, thus hien the Ay nhiem ve thaa ke tai san...theo M19p Bang.

<i>d. Cung ang dich vu to van tai chink, fien to cho khach hang: </i>Trong boat dean kink doanh, Ngan Mang c6 quan he hau het vdi the thanh plain kinh te. KM dat quan he tin dung thi khach hang phai cung cap day di nhung thOng tin cho Ngan hang va t0 do

ma

Nan hang phan rich tang hop Meng tin Thu nhap duqc dd dtra ra dv bao thy ra trong along lai. Tu dO Ngan hang co lei khuyen cho Ichich hang dm minh.

Ngoai ra yea xu Inning ngan hang da nang hien nay, NHTM con that hien the dich vu thing khoan vi bao Mem. Thuc hien IN cac nghiep vu trung gian, Ngan hang Tao niem tin vdi khach hang, thu hot them nhieu khich hang, tang thu nhap cho Ngan hang. Deng thbi la dieu hien de Ngan hang ding vilng trong qua trinh canh tranh va

tiep

tut phat Irian.

Gay mat nghiep vu caa NHTM c6 mai quan he mat thiet hall co, h6 tro va Mac day nhau cang phat Vieth Chi huy Kong duce yen thl mai c6 nguen van cho vay va dau tu nen kinh te hay n6i each khic nghiep vy tai sin no la co so ti6n dL cho cac nghiep vu

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ertama LeRe Me ate TAP

tiep them. Nguarc lei viec sir dung von cho vay co hieu qua se giap cho nen kinh tE phit then, tang thu nhep, la co so too m nguan von Mai dio dg huy dOng vAo Ngan hang.Met khic thirc hien tot Sc nghiep sn,dich vu la co so tno niem tin quang bi cho uy tin can Ngan hang.

13. Val Ire cent manna van hay dang d61 voi heat doing kinh doanh cue ngin hang.

<i>1.3.1. Ngudn von huy clang W cu sole NHTM ld chat moi how doing kinh doanh. </i>

Vain la ddi Mang kinh doanh chinh cue Ngan hang. MOt Ngan hang minh la mat Ngan hang co mat ngudn vain Ion. Trong nen kinh to day tinh canh Vault nhu hien nay thi d@ co <i>&roc </i>the math cling nhu mat vi tri yang chic tren thi trifling mOi Ngan hang can phai <i>có </i>nhaing chinh sach hyp Ii de co the huy gong duce nhieu vain IChi c6 ducic nhieu von huy clang thi Ngan hang co the tit do ma hooch dinh duoc chi& In kinh doanh hat nham thu Idi nhuan. Do vay ma Ngan hang can pith thuang xuyen coi trong ailing Mc huy damn vain (rang sulk qui trinh 'matt ding cka minh.

<i>1.3.2. Ngudn van buy dant don vii ire clui yin trong quy me hoot clang tin dung cling taut cac hoot clang kheic cda nan hang. </i>

Vain cue Ngan hang guy& dinh den viec ma rang hay thu hep khdi luting tin dung. Nho c6 ngudn von Ion ma lacing cung hen cho kith hang cling tang, qua do se thu hot duos Ichich hang nmaic lai ngudn vain mho thi luting lien cung cho khach hang se bi han the va luting Mulch hang den vat Ngan hang se it hon. Thong thuang NOR hang co ngudn von 16n thi viec kinh doanh se da nang bon, phis ' hoar dans se rang hon, khdi luring va sic dau to cho vay se Ian hon so von cac Ngan hang thieu vain, it van. Nguoc lei nen ngudn vain huy clang hen hep thi quy mO hypo clang cue Ngan hang cling rift hen the (long nghia von viec vi ri cua Ngan hang tren (hi Sang bi Ian at.

1.3.3. <i>Ngudn van buy along quyit dinh ndng tub dumb loan va ddm ado uy tin cda Ngan hang tren rhi tramg. </i>

Ngudn vain buy clang dm Ngan hang lain rhi van kinh doanh se lain too cho Ngan hang co Itha nang thank man cao nhu vay !attach hang cif, the an tam khi Mao Bich <i>vbi </i>

Ngan hang ma khOng can Oil ban tam ve cac van de run ro. day chinh le yen t6 day hap din ddi von khach hang in qua do tic dang lei gitip cho tong tic huy clang vain dm Ngan hang S len thuan loi hon.

<i>1.3.3. Ngudn von huy clang quydt Jinn din tang lac conk frank cda NH </i>

Trong quan he kinh td bat ca khach hang ciao ding mudn tim NHTM co nang ltm tai chinh

lane

minh tao digit kien thuan loi (tong viec ma rang quy mO tin dung, °ha clang ve than gian, Mari Isms cho vay, them chi quy& dinh mac lai au& uu dai cho minh. Mat khac the NHTM cO dieu kien ma rang viec kinh doanh da nang gap phan phan tan rhi ro hong halt clang kinh doanh va tao them von, Ling sere wit tranh caa minh tren thi truang.

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1;1161,ORG _{Ma C}_A° 2. Cat hinh thac huy doug van.

21. Huy Ong van th tien gal.

<i>2.1.1. Tien gui So cac td chat kinh </i>

Trong qua tdnh sin anal kinh doanh, cac doanh ngiep thutng co met be phan van nhan rai chug sir dung. De aim bao an loan tai sin va clang van vital roi nay van sinh loi Ihi cac doanh nghiap se gui van nay vao NH qua cac hinh thee khac nhau nhu

hinh thtfc den giri kh0ng ki han hay hen giri co kl han v6i cac ki han khac nhau tuong tins v6i Mug mac lad alai nha dinh Khi d6 NH se Sr elm ho cac tai khoan tuong (mg di Oman den trong vier quan

Dal veri den gui kh0ng ki han nguoi gui c6 the rat den ra bat cu khi nao Ngan hang khOng the Net trade ducrc nhung Ngan hang van phii c6 nghia vu thanh man.

Tien gut khOng ki han ducic coi la khoin no bin clang thutng xuyen va Ngan hang có the loi dung au khans khan nhau ve their gian cling nhu s6 Wong gui vao va mat ra

<i>de </i>

sir dung via kinh doanh. Chinh vl vay ma

<i>a </i>

tang owing ngudn van nay khOng the la yeti to lai suit ma chfnh la su thuan lien cang nhu chat Wong dich vu ma Ngan hang cung cap, dkc biet la dich vu thanh town khOng dung tien ma.

Khic Man loan v6i den girt khOng ki han la den girt c6 ki han. Loai den girl nay co str thea thuan ye then gian rat den. Ngueri gui khi nit lien clang ki han thi se duvc butts lai suit mong (mg

<i>vOi </i>

k5r han da thoa thuan, nen kith hang nit tien tru6c ki hen thi chi duct htiOng lair ark khOng Id han. Nguan van buy deng th lien gui co ki han c6 tinh do dinh cao do d6 Ngan hang thuong c6 nhieu chinh

<i>sach </i>

ahem thu hot loci lien

giri nay nhu den gui c6 ki han ding dai cang

<i>duct </i>

hueing lei suet cao. Ve Ca bin thi den girl co ki han no tao ra ngu6n van tuong 4616n dinh va Ngan hang t6 the sir dung Olin 16n ton khoin nay vao cho vay trung va dki han. Do 46 Ngan hang luOn rim cach da clang h6a loth den gui nay bang cach Sp dung nhieu ki ban khac nhau yea cac muc

al

suit kink nhau nhatm dap Ong moi ddi tuong khach hang.

<i>2.1.2. Tien nth cries On ea </i>

Tien gui td dan cu bao gOm hai loaf la den gui fiat kiem va tien gin thanh roan a. Tien gui fiat kiem.

La

hinh dint ma ngubi Jan chii yen danh met phan thu nhap dm mirth vhua sir dung den giri vao ngan hang nit thuc hien cac muc dich: Lich 14 de danh, hubng met it lei nhuan hoac phuc vu chi lieu thong thming. Day la Mai thac huy clang truy6n dyeing cut NHTM. Van huy deng to tai khoan den giri hem thuang chiem (mpg Bang ke trong tang ups& van Ngan hang. Khi nguei clan gui den vao Ngan hang thi se clinic phat cho met s6 fiat kiem kite nhan so den da gui, dung

<i>a </i>

ghi ch6p tien gid vao, nit ra, nhap kik Ngay nay cac NHTM Bang au dung it phong phu cac hinh thdc huy clang tien gui tier kiem nham thu htit duvc nhieu van ve phia minh.

<i>Plum Xuan Duy </i>¹<i>Md Sv A07162 </i>

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ri&wirea Lona ^lute

CAO

<i>+ Tilt kiem khong k9 hgn: </i>VOi hinh that nay c6 the gni 'Mien lan va yen can rdt ra theo yeu cau sit dung bit ca Idc nho ma khOng can thong bao Vitt Loai lien gin nay cling duct Ngan hang tra lei. Ngu6n vdn nay mang tinh en dinh thip do do Ngan hang thuong phai quan tam den du trit

<i>a </i>

dam bao kha Ming thanh loan

<i>+ Tidn gat c6 ki </i> Ved hinh Mite nay nguta gni duct nit ra sau melt thin han nhit dinh tren <i>cc sb </i>ho da dinh duct ke hoach sir dung trong tuong lai. Khi khach hang gin loaf tien nay se thit thuan v6i Nan hang ve Thai hen, lai suit. <i>Ye </i>nguyen tac, lei suit (jet kiem cd ki ban can han loai khOng co Id han, kl han cang dal lai suit cang cao. Khach hang gid loaf Lien nay chi duct nit gilt vi lei khi den han. Thy nhien de dim bao quyen lei cho khich hang lea tang sac canh tranh trong huy dOng von Ngan hang van cho phep !Mach hang rat vein cruet han va huang 181 then Sic lei suit lien gin ti& hem khOng Id hurt.

Tien gin tilt kiem c6 ki han thuOng chia lam hai loaf: Loai cu 151 suit vi loaf vita 0 Lai suit vna co thuong. Lc* lien gin co thutimg nhtun khuyen khich nguui gin quan tam hen den viecgri den van Ngan hang. Hai loaf nay ve tinh chit va dieu kien huy dens gifts nhau, song Itti 0 sit !chic nhau la loni <i>c6 </i>throng 0 lai suit thip hen

loaf

khOng 0 thuimg, hinh chic co Muting Muting phi] hop vhf khach hang vita co mac dich tier kiem sinh for nhtmg mang link mac hiem.

<b>b. Tien gin thanh loan </b>

Hien nay khi ma nen kink to ngay canh phat hien nhu cau ye von cling lam giao dick ngity cang Ion do del viec thank loan qua ngan hang dude cot la giai phip hOu hien cho nen kinh te. Ngan hang la noi giao dich thanh Man va de co duct diet' d6 thl cac

a

than thuong m6 tai khoint tai Ngan hang cho Tien thanh loan. Tren chic to den gin cita clan cu hien chiem mot ti trong kha Ian (tong hang nguon von huy dOng cim Ngan hang. De khai that nguOn vein nay cac Ngfin hang luen dui trong den viec da liana h6a cac hinh thac huy dOng Witt Huy dOng bang yang, huy dOng lien giri c6 dim bao bang yang, tilt hem nay dung nha o, d& kiem giri mot noi, Huh 'Alien noi, ...von lei suit hop

<b>2.2. Huy thing van tbOng qua phat 'iamb 014 to cep gia </b>

<b>Day la nguem vdn ma Ngan hang huy dOng qua viec phat hanh </b><i>cac </i>giiy 0 c6 gia nhu ki phi& Ngin hang, trai phieu Ngan hang, chirng chi tien gat Viec phat hanh cac giay to co gia nay giiip Ngan hang c6 the tap trong met kh6i luong van Ion trong thbi gian ngAn vi chi dOng trong sir dung. Hirsh thtic nay thutng dupe sir dung khi Ngan hang dA tiep nhan duct nhiing du in vay vein Ion yeti Mei han giai ngan nhanh cim

<b>khfich hang hay sau khi da can &Si nguen vdn vol sir dung von tren town h@ thdng ma </b>

van con [hien va duct su clang [ink cim NHTW Loai vdn nay colt COsuit cao hen Lien gin net kiem vi c6 nhieu Icy han khic nhau, thbi han cling clai cang 0 lei suit cao

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Daunue

1,0116 MO CD_SYKP

n

+ Ki phi& Ngan hang: la mot gay nhEn no do Ngan hang phit hanh theo tinrg vat cac kl hark va dugc goi la kt phieu c6 muc dich, dart phis hanh theo 2 phuong that:

- Phit hanh tra lai sau: 1Chach hang c6 the mua toy theo kha 'fang cUa minh, Ng/in hang se ghi sa tien do tren t6 kj, phiau. Khi Ban hart Ngan hang se hoan tra lai g& vi thanh tab cho khach hang.

- Phat halal Ira lai [mac: Khach hang mua kt phieu se tra s6 tien mua bang menh gia cluing tit nit di khoan !Ai ma ha duoc hubng. Lai suit con loai ky phi& nay thueing cao hon so vdi ky phi& tra lei sau nham hip den va thu hot kbich hang va khi den han Ngan hang chi tra lai cho khkh hang theo menh gia cua ky phieu.

+ Trai phi& Ngan hang: la mot loaf phial no trung va dki han cita ngan hang vOi chi, cam gin trai phieu. Ngan hang cam kat se thank tan met sd lien nhit (Kith vao mot thai diem ca the trong tuong lai voi mat lai suit quy dinh trong nhang thai han cho nude. Ki han con trai phieu NOT, hang thuang la 3 nom, 5 nam...va lai suit tai can hon ky phi& In can logi tien gin khan Hirt taut huy &Ong nay chi dune flan hanh khi Ngan hang bi thieu but la van va durst su cho phep cua NHTW. Khdi luong, lei suit cling nhu thni han do Ngan hang dua to va vise huy Ong se kat thdc ngay khi da huy dOng

en

van.

+ Chung chi hen gni: la mot loai phieu no dai hen do Ngan hang thea thuan vol kith hang va duoc phat hanh theo tang dot ( m6i dot phis hanh khans qua 60 ngly ). Lai suit chimg chi

dai han

duoc xac dinh ngay (ran tit chtrng chi hoic duoc then chinh theo tang thai kl. Den vOi chang chi lien gal thi ed

the

up dung 3 phuong phip as lai dO la: no Iv um*, Ira lei sau va tra lai thou dinh

Hirt duic buy dOng nay gulp cho Ngan hang co the tap trung mot khdi Wong tien lot trong thin gian nada kip thai ch.] ka hooch cita Ngan hang va Ngan hang co the chit dOng trong sir dung. HUM thut nay tai c6 mitt nhugc diem rat lon, do chinh le 15i pbai tra cho vice sir dung van la rat len lam cho Ngan hang khOng the tdi da In5a lin nhuan. Ngan hang chi c6 the ap dung hinh thic nay trong twang hop can mOt luong van lem cho din lu vi duoc six dang con NHNN.

2.3. Vay van can cac TCTD khac noel dung tai Vitt Nam ye nude moat.

HInh thirc huy dOng von nay chi ap dung khi Ngan hang dang can met khoan van lam d@ dau tv cho hon dOng kinh doanh ma cac hilt thdc !Mac chug dip (mg dugc kip thai do d6 de dam bas till, dO cling Au thai co Ngan hang se flan hanh vay van cim cac ICID khac. Vtee vay van nay divot nom hien tai Tru sä chinh caa Ngan hang. 2.4.Vay van unfit] hen cita MINN.

Ngan hang co the huy dOng van cho boat (Kong kinh doanh cua mirth duOi hinh thdc nay. Viec vay van NHNN theo hinh that Di cap van va duqc thus hien tai Tru sit chinh( trh trung hop Tang gram Mc ay quyen she cac don vi thinh vien vay thanh Mk 60 Ira va thanh tom ding no tai NHNN dia phuong.). Khi do NHNN se King vai

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Bp_wc G

LORD BA0 C.R0 Ilgre TAP

to la Ngin hang con cic Ngan hang. Ngan hang muen vay von cling phE nen don xin vay len NHNN sung voi h6 so xin vay va cho Ming giim ddc ki.

3. Cac nhan t6 anti hirong Miming tic huy doug vOn dui NHTM.

Cie nhan t6 anh huang tea cOng tic huy deng van cua NHTM bao g6m: mai tnrong kinh te, mai truong kinh to chinh tri, phap luat, mai trubng k, thuat- cans nghe, cac yeti 16 nee Inc cua Ngan hang, Sc yea t6 td khich hang va can yen td lb vac dol

ihu

canh tranh.

3.1. Mai trubng kinh t6.

Mei twang kinh te bao gam cac yeti td anh hueng <i>IS </i>kha yang thu nhap, thanh tot', chi lieu va nhu cau ye van va hen gin cua kbach hang co tic deng manh me tea nhu cau va aich flak su dung san phim dich vu Ngan hang chi ph& den cOng lac hay dens vdn va dau to cang voi cac did) vu tai chinh khic. MOi trubng kinh te tao cho Ngan hang nhang cc: hei kinh doanh, dans thbi cfmg tao ra nhfmg thAch thitc dei voi host deng kinh doanh Ngan hang.

Su an dinh cue nen kink t6 la nhan t6 &in den de ngarti gni nen dun ra quy& dinh co nen gin lien vao Ngan hang hay khOng.

T6c de tang truang va phat trim kinh LE qudc dan cho bier Sc chi se kinh vi ma deu ca dau hieu Mt, tinh hinh hoat dQng sin xuat kinh doanh phat trien se IA co hQi tet cho Ihuc hien cic ke hoach kinh doanh coy Ngan hang nOi chung va cOng tic huy

clang vdn n6i rieng.

Ty le lam phat tang se gay nen su mat gia cua clang, Ice ich coy nguld gin lien se giam do Lai suat thuc su giam xudng, tao tam li cho Minch hang chuyen sang giii yang, ngogi te hay hang boa de dam ban gii tri (tang tien, to do anh huting truc tiep den cOng tic huy &Mg van cua NHTM.

Chinh sack din tu, tier kiem coy Chink] Phu va thu nhgp binh clan diu ngubi co anh huang tea nguOn van cua Ngan hang. NguOn von nay chi] yiu huy dQng tir

khoan

tien nhan reit trong dan cu ma xuet phut diem la do het kiem trong tieu clang <i>a </i>danh chi tieu trong arcing lai. Mat khac yen 16 tint ki@m lai phu thmac vao thu [Map, tam

Ii

tieu dung va an dinh elm nen kinh to va khans c6 net kiem thi Ngan hang rift Ithe khan trong cOng Sc huy dQng van.

Ty le xula nhap kheu thang du tang xu hueong roan cau hba yeti phit mien throng mai qu6c ti va sir di chuyen tu do bon cua cac clang vein qudc te lam cho host &Mg kinh doanh Ngan Wing clingc6 nhiing shay ddi manh me tic deng truc dap din cOng tac huy clang vdn.

3.2. Moi trubng chinh Erb phap

quOc gia den tan tai met the chi kinh t6 chinh tri ulna dinh. Qu6c gia nao c6 su an dinh ve chinh tri thi hoot clang kinh to nfii chung va hoar (fang Ngan hang neri rieng co su en dinh va phat men. Khi dd noel dan trong nu& an tam giri nen vao

<i>Pkim Xudn Duy </i>

14 

<i>Ma- Sy A07162 </i>

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ssa §0C Tryhus LOUG Me cite mac TM Ngan hang nude mink cdn ngulii dan nuac ngoili calm loan hp ehon nhOng qudc gia do dinh ve chink tri <i>di </i>din to van.

Ngoki ra tao met cc s8 phap If re rang gidp cho hoar dOng cua Ngan hang ductc dinh hulling n3 rang tao niem tin trong dan chting vi kinh doanh Ngan hang chin su giam sat chat the cue Chinh Phil. Bat ki met didu chinh nao aim Chinh Phu deu co Lac dens <i>den </i>Ngan hang. Khi d6 he thong phap luat cda Chinh Phi se d6ng vai lro quan trong nau khOng d6ng be se dan tai kho khan trong heat dens cua Ngan hang.

Chinh sach clan tu eim <i>Nha </i>Nu& hop If hay khans cling anh holing tea Ong tAc huy deng vdn cim Ngan hang.

3.3. Mei truirng kg mot- cong nght.

Hog (Ong cila Ngan hang khans the Lich rM khOi su phi( Men manh me co., cong nghe Mang tin. flurong thdc traa dai gibe khach hang va Ngan hang hen thi haling rat allay cam yeti cac Lien be ye cong nghe. Trong nhting nam pin day nho hen be dm cong nghe &hang tin cra chang hen <i>sir </i>ra dM caa nhieu sin phim dich vu nhu dich vu Ngan hang Mt nha, may rat hen tu clang ATM, the tin dung, the qudc le, ...

Kg thuat cong nghe throe coi la sac numb cua Ngan hang tong Mei dM hien nay. NO anti huang trot den ted nang suffi, hieu qua, su chinh cling Mc huy &Aug von. Nha su gidp do dm may tinh ma cong viec cua nhan vien Maw de clang hon va han the su sai sot thing thai giam Thai gian giao dich Chu cong tao thuan loi cho viec gui Lien hay rat lien cUa khach hang dint diem ra nhanh ebbs qua d6 cong thdc day phat Men ale nghiep vu cita Ngan hang.

3.0. Cie yea t6 not lye cua Ngan hang.

Cac yea Id nei Iuc can Ngan hang la diet, kien dam bao cho met Ngan hang heat deng dine thong suet, bao g6m:

+Van to co: quy& dinh uy tin cua met Ngan hang, day la yeu td anh Wong

toi

quy mO cent met Ngan hang, gied han tdi da cua ngudn v6n. Su ph <i>at </i>then cua van ty co

la

didu kien tang kka nang me rang cong Mc huy dOng van.

+Chien hive kinh doanh cea ngan hang anh Inning truc lieu tam Ii, hanh vi

girl

Lien va vay lien dm kith hang. Chien Mot kinh doanh cim Ngan hang phi hop voi then cunt se tao dieu loan thuan loi cho ngan hang trong huy clang van to kith hang

voi nhdng

chinh sach lai suit phi hop.

+Uy tin con NOR hang bao gib cans la hen diem <i>de </i>khach hang hp chon giao dich had ho by vong voi nhung Ngan hang co uy tin kin thi van ho bb m gni van Ngan hang se khOng n11E-mg dint diun bac, ma can duge sinh

+Trinh dO, Ming Iuc, phong cach giao help caa nhan vien ding tao nheng thien cam cho nguoi gui lien gidp ho them an tam qua do Ong cao hinh anh ciia Ngan hang tong mat ho.

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LORG

&to elm a

+ Su phong phd da dmig con cac hinh that huy dOng von gulp cho khich hang co them nhieu lqa chon trong vibe giao dich

+ Su don gian gon nice cua Sc thu tut gitip cho khich hang cam thay thoai mai trong viec gin tien.

+ Kha nang dieu hang lai suit( linh hoat phi hop von nhu tau hien Mi cling lam cho NH nang tieing lion trong huy dens van.

3.5. Cac yen td ti Oda khach hang.

Kith hang via sham gia true tip vio qua trinh cung ling sin pham dich vu van one nen sit dung, huOng thu sin phim dich vu nen khich hang guy& dinh

<i>den </i>

ket qua kinh doanh cull Ngan hang. Do d6 ho sun sang them gia vao dich vu cull Ngan hang. Do 86 ma ngu6n van huy dOng cull ngan hang phy thubc rift nhieu vao tam Ii cull ho cling nhu nhan thtic cull ho ve Ngan hang. Khach hang &roc chia lam hai nhom chinh:

+ Khich hang la ca nhan: Tap hop cac khach hang giao dich la cac ca nhan, hb gia dinh. D6i mon kith hang nay CO nhieu dab diem nhu: nghe nghiep, tang lop xa hen, vai uo va din vi xa hbi, trinh dO van haa...do vay ma cling tic dOng den cac nhu <small>tau </small>

khan nhau. Muc tieu till nhem khich hing nay la an loan vi hiring lai nen ho thuong chon nen giao dich khans trang, be the ad gui lien v6i kl hen dai hoar mua cac chtmg chi tibn gel, trai phi& d@ huong mot lai subs hip clan.

+ Kith hang la doanh nghibp: Thy thubc vio dac di6m nganh sin xuet kinh doanh, quy me hoat dOng, pham vi va thi truing hoat dbng nay sinh 'Meng nhu tau ve giri tien Ichic nhau. Muc tieu cue nhOm nay la de clang than Lien Irong viec giti hen, sill dung tai khoan tien giri cull mInh, duoc huOng nhieu hen ich va thief lap m6i quan he Ngan hang. Do

<i>vay ma </i>

khach hang can su phut vu tan tInh chu dio cho moi nhu can

<small>rdt </small>tien hay giri ben vol Thu luc nhanh thong dun glen, chinh xac, phong phd da dung cac tien ich.

Thai quen sir dung Sc dich vu Ngan hang cling la nhan 16 khong em 'Man quan bong. Khi ma th6i quen nay tang phut trien thl vibc huy dOng vein cia Ngan hang yang fro len thuan loi

3.6. Clic yen to' tic did thi canh tranh.

Gang vii su phut men mash me cull nen kinh te thi II-clang la sir ra del cia cac TCTD, t6 Ode tin chinh phi Ngan hang...chinh (lieu nay lam cho tong lie huy clang van cia cac NHTM them Icho khan. Cac chh the thuang dun ra nhing w dal nham thu hat khach hang ye phia ho va (ming ba hinh inh caa ho tren Sc phuong lien thing tin cha thing. Do d6 via gill duoc (hi truing caa mink va phut tad me rQng tin NHTM can phai CO nliling chinh sach chino In hop Ii, linh hoat.

Cana tic huy dbng von CO met vai trO day biet quan trong, no quy& thrill den vi the, sir m dui va ton tai cia met Ngan hang. Child, vi vay di trong Mt kl tinh huang nao dd thin hay chi& van Ngan hang cling phdi luu chon dinh Song chin luoc huy dOng van cho phi hop nen co s6 NAME thing tin ye khich hang d6 da clang hoa hinh thdc gip phan tang sat canh tranh tren thi truimg.

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aMLT

§0C 'MAR& Land Me Cite Tigre TAP

TINH HAI DUONG

1. Khai quat ve ngan hang va boat dOng kinh doanh dm chi nhanh NHno&ptnt tinh hid duong.

1.1. Gidi Mita va chi nhanh NHNo&PTNT tinh Hid Ducmg. 1.1.1- Quyet dinh thinh 14p

Giai drum I:

Nghi guy& Hai hOi Ding loan quac lam thd VI la buck ngoat lich <i>sit </i>trong cans cues nay dung chi) nghia xa hid it nude to - Nghi quy& d6i mth roan dien va sku sac. W kinh te, Nghi guy& de ra: Xod bO nen kinh to k@ hoach hoa tap tong quan lieu, bao cap, chuy6n sang nen kinh thi truang co su quan 19 caa Nha nitric the') dinh huong xi hai chu nghia.

Nghi dinh 53/ HDBT ngay 26/3/1988 cim Hai ding BO truang (nay la Chinh Phi)) lit dial son lich sir dm nganh Ngan hang, Melt ra 2 char nang ye quint, Nha nude

<i>d6i </i>voi hoot dOng cua Ngan hang Nhit nude, <i>v6 </i>kinh doanh dai vai boat deng cim cac Ngan hang thuang mai va cic Td chat tin dung

Do 05 limb chat quan trong dac bier &Si vii nen kinh M, nganh Ngan hang dA semi deli cpc tien hanh d6i mai. Vdi ck Nghi dinh, Phip lenh, Be Lunt va cac chinh sash cim Nha nude ve boat dOng Ngan hang, da tao cho nganh Ngan hang nude nhe trong do co h5 thing Ngan hang Nang nghiep va Phit than N6ng than Viet Nam(theo quyet dinh 280/QD-NHNN [may 15/11/96) khemg ngimg phit tri6n Ion manh, goo phAri quan trong vim tong cues &Si mad cim Hang.

Td do he thing Ngan hang Phat then Nang nghiep Viet Nam cling duce hinh thanh. Cana ra dbi vii loan he tilting, Chi nhinh Ngan hang Phat trien Nang nghiep Hai Hung duot thanh lap theo (myth dinh sd 57/NH- QD ngay 1 thing 7 nam 1988 dui Thing d6c NHNN va chinh that di vao hoat dong mY ngky 01/8/1988.

2. Giai dorm 2:

Sau 29 nam hop nhat, cudi nam 1996 Hi kl hop [ht 10 Qudc hoi Ichoi IX cu Nghi quy& chia tach tinh Hai Hung thanh tinh Hai Duong va Hung Yen. Hai Ngan hang Nang nghiep aim hai tinh da duoc chinh thee thanh lap .

Luc nay Chi nhanh Hai Duong dude thanh lap vii ten poi la Chi nhanh Ngan hang Nang nghiep va. Mit thin Nang thou tinh Hai Duong theo quyel dinh sa 595/QD-NHNo-02 ngay 16/12/1996 cna Ring Gam dac Ngan hang Nang nghiep va Phat thin Nang than Viet Nam cho din nay.

<i>POm Xudn Duy </i>17 Mc<i>Sv A07162 </i>

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03

Ilse mime

WAG _13A1a

<i>etto </i>Tigre

TAP

1.1.2- MO hinh

a. MAng Itrai va can 186: Chi nhanh NI-INo&PTNT tinh Hai Duong co 528 an 615 vien chdc voi 37 don vi <small>true </small>thuec, g6m: <b>I HOi a6 </b>NHNo tinh; 13 chi think loaf 3 va 23 phong giao dick dig tsi cic vi tri thunn tien nham rat ngan Idming each khOng gian gida ngan hang vOi khach hang. Day la chi nhanh duy nMt tren (ha ban tinh co _t6 chdc mang luta tea cac yang tong than, yang xa, vimg sAu va vu thanh ngutti ban clang hAnh khang th5 thi5u &roc cOa ba con nong dan.

b. Co eau t6 chtic be may d151 hank

* Tai Hai se, NHNo tbdt (Chi nhanh Ioai 1), bao g6m: - Giam d6c: D6ng thi Minh

- Cac pho giam dac

- Cie pheng chuyen man nghi6p vu: co 8 phong

PhOng K5 lunch <b>tong </b>hop Phong Dien town

Phong Tin dung _{Phong Haub chinh va Nhan sg} Phang K5 man va Ngan qui PhOng Kim tra kithn soar nal be Hang Kinh doanh ngoai h6i Phong Dich In) va Marketing

<b>• TO Chi nhanh logi 3, bao gem: </b>

- Guam (lac

- Cac ph6 giam dac

- Cac phbng chuyen mOn nghiep vu: Phiing K5 hotach va Kinh doanh Phong K5 roan va Ngan qui Pinang Hanh chinh va Nhan so Thong Giao dich <b><small>1811C IhUl;18 </small></b>

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Gam d6c& HOi dang quin tri

c-Mil Mob td chic

Hien nay, tang boat ding tren dia ban filth Hai &tong c6 15 chi nhanh NHTM Nha

<i>mac, </i>

NHTM cd phan, chi nhanh Ngan hang Chinh sach x4 hOi. Tuy vay nam 2007 hoar Ong kinh doanh cin chi nhanh NHIslo&FTNT tinh Hai Dining van thu duce kit qua ding khich le, trong d6 co ding tic buy dOng v6n. Tinh d6n 31/12/2007 piing nguon vin huy ding dat 4.114 ti d

+ ^{tan 1.208 ti dong so v6i 31/12/200, dal}

Sau 10 nam thanh 19p, bang

<i>su </i>

n6 hp ngeng chi nh NHNo&PTNT (inh Hai throng dA kbing dinh duoc la NHTM Nha nuoc lOn manh nhtt tren dia ban, co IN phan (nguon v6n chiem 31470 tdng Nv huy clang tren din ban,du no chi6m 3 ) dons vai is& chu dno tren* Inning ti6n - tin dung nOng than c6 Icha nang

<i>Pharr Xuan Duy </i>

t9

<i>_{Mti Sv A07162}</i>

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DR] IMEGLOM MO C2t0 'MCC • chi ph6i thi trueng nay voi nhieu khach hang va &roc su tin nhiem cna Ichich hang. Day IA tien de cho hoat dOng dm chi nhanh Iran dia ban, gitip chi nhanh c6 duct hinh anh let dap trong long cling

Dat cluot ket qua tren do nhieu nguyen nhan trong do c6 met nguyen nhan quan trong IA chi nhanh di thqc hien kit tong Mc t6 chat can bQ theo de An td chtlt can bet caa NHNo&FTNT Vitt Nam.

Hien nay chi nhanh co 524 can 130 tong nhfin %en trong do co 5 that si, 377 dal hoc chiem t3 le 72,3%, 110 cao ding, Trung cap chiem t9 le 20,8%, 36 lao dOng nghiep vu khac chiem 6,8%.

<i>ye </i>

_{tin hoc: c6 II ki su tin hoc, 9 ca nhan cao ding, III}

chting chi A,13, C; tin hoc ling dung 367 CB. 100% can 60 nghiep vu sit dung thinh thao tong cu tin hoc trong quan II, die% hanh va Sc pith] mem thu0c lint vac &roc phan cans. BO may td chat thinchi nhanh NHNo&FINT tinh Hai Throng bao gem Ban giam <i>ddc </i>va 9 phOng, t6 nghiep vu, thk hien day du cat dick vu tai chat Ngan hang. Tai Sc chi nhanh cap II Irk ihuOc chi rilinh NHNo& PINT tinh duck 186 tri: Phang tin dung, phang Ke Man ngan qui, T6 hanh chlnh, Sc chi nhinh Ngan hang cep III va phbng giao dich. DU <i>Sc </i>chi nhanh cap III duce ki VI: T6 tfn dung, t6 Ka roan ngan qui.

WA ma hinh quan li nhu vay thi vies quail tri dieu hanh dm chi nluinh duos kip thin, (hang Mel tir tinh den Sc don vi ink thuOc, nhet 86 hoat Ong kink doanh noi chung va tong tic huy dOng ton not rieng duct thus hien (tong toe va ph6i hop chat eke hon.

1.I.3 Chat Wing, nin4n vu dm tic Siang ban:

Giam DEng thi Thanh la ngutti chiu trach nhiem cao Nit ye moi mat heat_ dOng kinh doanh cua Ngan hang, chi ciao

su

phan cap u9 quyen cua Ngan hang Nong nghiep va ph& tridn neng then Viet Nam. Ben canh do con true gap quan

19

T6 Iciem tra kiem wan nett be va phone T6 chile can be, that hien Ong tic deli ngotti, ngotti giao, quan ly cac phOng giao dick.

Mona Kt hoach t6ne hop: My dung lei suet, to van cat hinh thitc lAi suit huy dOng yen, cho vay.

Phone Tin dung.: Thurc hien vies cho khach hang vay cos khoin ngan tan, trung han va dai tan.

Phone

Kel

loan va Nean WA: Huy Ong van thong qua cac hinh that huy dOng: met tai khoin ca nhan, tai khoin doanh nghiep, ghat hank Sc chting chi tien gai (nit phien, ky phitu...).

Lam cac dick vu chuy6n lien tong nu6e, cac dich vu thu lien tai ch6, back loan not be.

Gunn

19

an man

<i>ye </i>

VND va ngoai te, tai sin the chap, h6 so, cluing tir tai lieu, cac gay to co gig...

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BK3 C RH6 LORG Me cite 'put Trap

Phone Kinh doanh rwaai hdi: _{Lam nhiem vu chuyen tien Quac te, thanh roan nhe} thu, tin dung chting tit (LC), nghiep vu chi& khan 6¢ cluing tir, bao thank Mua, ban the loci ago,* le.

Tv van cho Ichich hang sit dung cac sin phim tai tro Chuang mai.

Thgc hien moi hien phap d@ khai thac tri@t

<i>a </i>

ngthen NgoM te cho Ngan hang. Phone Dien town: _{QuanlY he thong giao dich !yen may, quan 19 ve mat tong nghe}

va

kg

thuat ddi voi loan NO he thong COng nghe thong tin Ngan hang.

Ia not sir 13", cac sit c6 lien quan den may moo va phuc hoi cac dii lieu de cos hot dOng dune dies ra met cich suen se.

Xay dung cac tien Ich yen eau diet hanh cita Ban Minn d6c.

Phone Halt chinh va Man _{Thuc hien ding tic van thu, quan ly con WM dm chi} nhanh.

Quin ly va sir dung phuong Lien giao thOng, thong tin lien lac va cac trang thief bj khic.

Mua sam tai sin, van phOng pham, trang thief hi, clang Mei theo dee viec sir ditnX bio Meng va sira chin.

Time hien cOng tae xay dung co so ha tang ky thuet, Ming cap va sem chaa not am vi@c.

Chain to dui sang vat <i>chlt, </i>tinh than cho Can be cOng nhan vita (luang, !hitting, bio hidm.

Quin 19 va tuyin dung lao dans. Dieu clang sip kap can be phO hop voi nang Inc. trinh dO va yeu cau nhiem vu kinh doanh.

Xay dgng chuong trinh cOng tic hang 'hang, hang qu9 va don d6c cac phong ban thuc hi@n theo chuong trinh

a

dupe Giam dee duyet.

Mealy Kiem Ira kiem soar nOi be: _{mac hien vDc Idem tra cac chUng Cu,}

s6

such 11@n quan den cac nghiep vu Drib doanh Ma man Chi nhanh Ngfm hang No&PTNT tinh Hai Dining.

Phone Dich vu VA Marketinp: _{C6 van cha Ban giam dec ve ceng tic hap thi, chien} luoc

hog

dOng kinh doanh, cac chinh sach, quy dinh ddi veri khach hang.

La nguen teen can khach hang, gilt thieu, to van cho khach hang ye cac sin pham, dick vu cua Ngan hang.

Phone Giao dich true ihuoc: _{La nhfing not true flap gap go HMO hang, dux hien} cac nghiep vu kinh doanh cua Ngan hang.

1.2. Khli quit

<i>v4 </i>

_{hoat dam kink doanh cim chi nhanh Ngan hang No&PTNT}

[ink Hai Duong.

Nam 2007, mac da gap nhieu khO khan, dac bit' la thien tai, dich benh; gia ca hien dOng Mt thuting, chi se gii lieu dung

(an

coo hon so vat mac binh quan chung ca nude; 0 nhiem mei twang gia tang. tai nan giao thong chua &arc Dem che, met s6 van

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<small>47 </small>

xa hdi bee mic chua duct giai quy& hien qui, Sc chi tieu kinh t@ xa hdi cha tinh van duy tri dude Vic dd tang truemg cao, GDP tang 11,5% so vdi nom 2006; gia tri San

xudt mann, lam nghiep, thuj, sin tang 3,2%, cling nghiep tang 14,6%; cac nganh dich vu tang 14%, gia tri hang hod xuat khiu tang 44,6%; thu ngan sach nha nude wot 8,8% du tab ductc giao. Linh vurc van hat xa hdi c6 nhieu tien hd; cii each hanh chinh dot k6t qua nhdt dinh; an ninh chink tri, to an Man xa bed tren dia ban tinh duct gift yang.

Float dOng kinh doanh tien to tin dung ten AD ban tinh lisp tuc pilaf tridn do dinh, gem phan tang truang kinh ti. Tdng ngu6n von huy dens cud cac TCTD NN tren dist ban tang 33,5% (NHNo tang 38,2%), t6ng _{du no cho vay nen kinh to tang 43,9%}

(NHNo tang 42,7%). Hog dOng kinh doanh caa chi nhanh trong lieu kien canh tranh gay gat; gia Wing, ngoai le, thi trubng chdng khoan diet, Bien

bat thtrang,... Tut hinh

chung ye kinh t@ xa het c6 ink huang rat 16n d6n boat dteng kinh doanh cua Chi nhanh trong nom qua.

Nam 2007 dudc coi la melt nom thanh Ong cue chi nhanh Ngan hang No&PTNT tinh Hai Duong. Cu cdu ngu6n von vi sir dung vin c6 nhieu chuyen Bien then chieu

huong tich cue,

ket qui _{thi chinh pha hop seri muc nett d& m, cac hont dOng}

kinh doanh &roc gia vitng, 6n

dint],

ma _{rOng va c6 hieu qui hen, hoan thanh cac chi}

<i>nen co ban do NHNo&FTNT ViM Nam giro va dai hdi CNVC de ra. D& </i>_{nom bat}_duct

hog dOng kinh doanh cha yeu cita chi nhanh trong Thai gian qua, sau day la met sd chi tieu ma chi nhanh NHNo&FTNT Hii Duong da dal dude trong akin 2007.

<i>1.2.I.Hogt dOng tin dung </i>

<i>Bleu 1: Bdng kei quo horn ddng tin dung. </i>

IT 5

3.nhan On te NHNo VIN

nam

172 8% 239 % 490

113%.

IL Doanh sa elm vey ₂₁₄₆ ₂₈₀₆ ₄₃₈₄ III. Dottnh s6 thu ng 1806 2369 3387

IV. Sit dung yen ₁₈₉₉ _100% ₂₃₃₆ _100% ₃₃₃₃ _100%

3.diu to Dal phi& kho bac 4 00% 4 062% 4 0.1% V. Na qua hen ₈₆ ₄

2

4% 27 1(2% 23 0.7%

VII. T6ng thu nhep 260 100% 383 1b0% 526 100%

T ng d6. th flea dOng In dung 251 _97%₃₇₄_98%₄₉₈_85%

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14130 11

Me cite Tnrlc

TAP Trong nhfing nam qua, cang voi vier huy dOng vdn ngiy catig tang hog dOng tin dung cita chi nhinh NIINo&PTNT tinh Hit Duong c6 nhieu chuyen hien n5 ret doanh sd cho vay tang to 2.146 ty ding nam 2005, din 2.806 ty dans nam 2006 va nam 2007 la 4.384 ty (hang, tang 104% so voi am 2005. Trong khi doanh ad th no cling tang len to 1.806 tYI dfing nam 2005 din 2.369 ty Ming nam 2006, 3.387 t _° 2007 tang 87% so voi nam 2005. Dieu nay the hien tr ng nhfing nam to 2005 din nam 2007 hoar Ong cho vay dm Chi nhanh co su chuyen biin rich cub DO la do Chi nhanh da CO su theo doi sit sao tang hog Ong sir dung vein dm kWh hang, he; so cho vay duoc them dinh ki luting.

Tuy vay trong nhtng nam qua tii* trang ay xau Oz an hang cling c6 chieu husIng gin tang to 46 6112 2005, 42 ti‘na41 2006, 98 ti _I_n<i>⁴</i> _{2007. Ti le no xau nam} 2007 la 2,9%/t6ng du no tuy ti trong no xau chua cao nhtmg Chi nhinh can phai theo doi sit sao lion hok Ong sir clung vdn cba kith hang. T6ng thu dm chi nhinh tang to 260 ti nam 2005 <i>d6n </i>_{383 turn 2006 va nam 2007 dat 526 etang 102% so voi nam}

2005. Trong do thu tit hoar dOng tin dung chiem (5/ le rat cao trong t6ng thu dm Chi nhinh nhu: Nam 2005 la 97% den nam 2005 to 98% va nam 2007 la 95 %. Trong khi 65 chi cila chi nhanh tang manh nhu Sun 2005 la 208 ty Ong din roam 2007 da la 474

ts,

_{clang, tang 127% so yen nam 2005. DO la do trong Om 2005 chi nhimh da chi tra}_lei

142,5 tirchiem 63,2% uing chi, tang 79% so yea nam 2004; thyc hien me rOng mang luoi _{giao dich, dau tu nhieu hang (hi& hi hien dai phuc vu hoar Ong kinh doanh.} Trong Warn 2005 tdng thu can Chi nhanh tuy co tang so v6i nam Is& nhtmg t6ng chi cua ngan hang Ini tang <i>My </i>_{226 ty d6ng, dieu d6 lam Iqi nhuan cue ngan hang rang}

[hip.

Di tang them lyi nhunn ngan hang khOng Siang tang thu nhap td boat dOng tin dung ma con phai tang thu nhap to cis hog dOng dich w, dun ra nhieu chinh Soh cu th6, hop Ii ben canh vier giarn chi phi cho boat dOng Ngan hang Lam &roc dieu 06 se gidp Chi nhinh co nhieu vdn cI6 phyc vu kinh doanh cho cao nam sau duos tdt hon. 2. Thus 'rang huy ddng von cue chi nhanh NHNo&PTNT Quemg trong nhang nam qua

2.1. TO char mang lath buy dOng vdn

KC

to

_{khi chuy6n sang nin kinh to thi truer% den nay mOt Ich6u bleu loon di lien}

voi he theIng Ngan hang va la phuong cham host Ong cim chi nhinh NHNo&FTNT tinh Hai Huang do la " di vay (16 cho vay". Mu& co vdn kinh doanh d6 phuc vu nhu cau plat thin dm nen kinh le, gem phan tang truong kinh tb thy° hien CNH - HDH thi cdng tic huy Ong vdn la didu sting con ddi vth moi chi nhinh Ngan hang. Vay nation van cua NHNo&PINT huh Hai Duong nOi rieng va NH nOi Chung doe huy dOng

to

clan? D6 la vier thu but lien giti to the Td chide kinh tec xa hOi, tir Jan Cu. trong do chd trong nguein tien gin to dan cu d6 tang them kha yang 6n dinh cua nginan von. He

<i>in Duy </i>

23 

<i>Md Sv A07162 </i>

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Emil ice TWIRG LORG _{MO MO MC TAP}

th6ng kenh phan phdi yen tao nen Ong chi)? san phiim dich vu In Ngan hang den khach hang, hoar thanh vita trao d6i giga Mulch hang va Ngan hang nen thi trueng. Eking thin kenh phan phOi hien tai clang tra thanh king cu khOng chi tao dung su khac biet ma con khuy6ch trucmg hinh anh cua Ngan himg tren thi tinging. Hien tai chi nhanh NHNo&BTNT tinh Hai Duong dang sir dung mans 11161 chi nhanh local 3 va

giao dich d8 thug hien viec phan phdi san Odin dich vu noi chung va buy therm

von

_{noi rieng. Chi nhanh loai 3 va phong giao dich la loci kenh truyen thong giin lien}

vii dia bin kinh re to thanh thi den mang than.

Val 37 diem giao dich a tit ca <small>CAC </small>huyan, thanh ph6 va cac diem dung dan cur trong tinh, moi chi nhinh loaf 3 co to 2 den 4 diem giao dich Dag biet Yen dia ban Minh ph6 Hai Huang cO nhieu kenh huy Ong kin gang hoar Ong nen chi nhanh NHNo&PENT tinh Hai Duong di bd tri 7 diem giao dich, trik thinh NHTM co mang

<i>Wen </i>_{huy dOng von kin nhat tinh trai khan to thanh thi den then km. Binh quan mot}

diem giao dich phuc vu gen 14 ngan hO dan va khoang each xa nhat ma nguin dun cacti tr SO giao dich la 10km do d6

ea

glign ducic chi phi di lai cho khach hang. Nhe co mans luni rang khan ma von huy Ong c6 tinh 8n Binh Mang den cao, nam 2007 ngkin yen huy Ong Cu dan cu caz

Chi

nhanh chiem 69% nguein v6n huy (Ong, tao su an town trong sir dung kin kin ngan hang, tong ad them hinh anh cda Ngan hang deg yeti khach hang.

Viec ma rOng mang kin giao dich da gidp cho boat dOng aim Chi nhanh ngay gang gun dan, sat dun, tao dieu kik cho dan trong quan he giao dich voi ngan hang. Cling veri Sc ma rOng mang link Chi nhanh cd ki kik can bon vien char tinh thong

nghiep vu, dap ling moi nhu can cim Ichich hang la digit kien de Chi nhanh tang twang nguk von huy dOng qua cac nam.

Ben canh mang lath phan phdi truyen thong, chi nhanh NHNo&FTNT tinh Hai Ducmg king dang don tang but trien khai mang Nei phan phdi hien dai shay the hoc oim thien he tilting phan phdi irk& thong nhu may nit tien to dens( ATM ). He thang nay hoar dOng 24/24 gth va kik data not thunn ilk Mkt, kWh hang cb <i>the </i>

you gin thong tin ye sd du lien gni, ye can din tai khoin...13hat Men mang luai nay gop phan thu hot them nation vein to cac doanh nghiep to nhan, cac al nhan va clic biet la nhirn can be tuning luong hang thang, ca c sinh vien cac irking cao clang trong tinh...thay the viec phuc vy trgc hap thanh loan lien may ph& hanh sec cga nhan vien. Deng then dim bito cho khach hang an Win, than lien, tier kiem ye din) gian cling nhu chi phi giao dich.

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BM BBC rwiRa Loma _{BAa ette sre}

_TAP 2.2. Tinh hinh huy dAng van cim NHNo&PTNT tinh Hai Duong trong nhimg nam gin day.

<i>2.2.1. Tong quan vi tong tdc huy dang von aia ngdn hang </i>

Trong nhang nam 2005, 2006, 2007 unfit su canh tranh gay gat gida cac id eh& tin dung, nhung vOi flitting chin urge huy dOng van hap din, Ngan hang No&PTNT tinh Hai Duong da ti8n hank nhieu hien pilau Bch

<i>cue </i>

nham duy tri va ph& Bien ngudn vein huy dOng cim mlnh. VA nhung ke _{qua dat duqc trong nhimg nam gin day la} klt qua ctla nhung bien phip do ming vai sir nd lut khong ngimg caa Ngan hang.

nhanh NHNo&PTNT Hai throng nhan Oleic sau the vai tra cita viec huy deng vein d6i vOi vatic dou to tin dung cho cac thanh phin kinh re. Ngan hang No&PTNT fink Hai Duong da !nem chit dens, rich cue phat Bien tong tic huy deng vein dual moi hinh that nhu: Ngoai hinh thdc huy clang fien gin het kiem truyen thong, lien gai the 16 chttc kink td, Chi nhanh con Wien khai huh that nen gni tilt kiem hmang lai suet bac thang, tilt den gin gap, tilt kiem du throng, ki phi& tra lai

<i>Bubo, </i>

tra lai sau. CM nhanh Ngan hang No&FTNT tinh Hai throng con c6 met mang lath Ong Ian gem: 01 hOi s&, 13 chi nhinh Ngan hang lout 3,

<i>va 23 phong giao dich. </i>

Tdng ngudn vin huy dOng duct nam 2007 la 4.117 ti Ming tang 42,6% so yen vim 2006. Thu ducfc k& quit' Ben la do ngan hang da mb rang nhieu hinh thee huy ding vein yea Mien kl han khic nhau nham thu hot <small>11101 </small> dai arcing kith hang. Ben pub Sc ma them nhieu diem giao dich, khich hang den giao dick vOi ngan hang ngay calm duoc thuAn lien va Max huang nhieu lu dai th dich vu cua ngan hang

Qua trinh buy dOng vein trong nhuvg nam qua di duqc the hien an Man tuyet ddi khOng de xay ra so cd gi ding tilt. Hang thing, hang qui di co su ph& hop vin be Phan kiem goat kiem tra Man lien " boat dOng, kiem tra del tufa quy va the sti tilt ki#m trAng chua phat hinh, khOng co hien arcing tea (hien guy dam bao an man

<i>ye </i>

van va tai

<i>2.2.2. Cac lank than buy dhng von cua ngdn hang </i>

Trong nhung nam qua, ngan hang No&PINT tinh Hai Duong da thu but &roc met khdi lacing Ian vdn huy dOng tU nhieu nguen khac nhau. Ngan hang da rip dung nhieu hinh thtit huy dOng med yeti cac kt han khic nhau nham thu hot dude tdi da ngtuin van nhan roi tit ben ngoai. De hieu ró han duck lure Bang huy dens van dm ngan hang Ming nhu Sc hinh that huy Ong van ma ngan hang di

4

dung to se di nghien tau tic van de sau:

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DIU 13QC

Thrum Lem

<i>Huy clang von qua tiin gm </i>

<i>B/lu 2: Huy clang von qua tied </i>gui

<i>Dan vi: au dong </i>

Me cite rilkre Tto

dOng qua (gal

r

i,,6 100% 2.418.148 100% e34M60 100% 1- Tien gui Tell) 1091,50 10.247 OA% 7483 Off % a. Tien gin nOi In 1090550 %

;

10.247 0.4% 7.283 <i>0q% </i>

3- Tien girl kho bac 2541272 14,Q% 459568 19.0% 79;1040 23,7% a. Tien giri nOi to 254'372 1410% 459.568 _19.0% ₇₉₂₀₄₀ _{2 7%} b. Tien gni ngoai to ₃₉₁₂ _0.2% _5.324 _0.2% ₁₂₄₃₃₉ _0.4% 4- Tien girl din cu 11132C343

(Ngu6n: <i>Bag So tong ket cda NHNo&PINT tinh Rd Ding) </i>

15.7 bib 3 to co

M

they ngudn vdn huy dOng chu yen cue ngan hang qua cac nam deu la hen gui cfia dan cu vi TCKT. Td nam 2005 den nam 2007 ngudn vdn buy dOng nay ngky tang c6 xu huifmg tang, nhu nam 2005 la 80% den [lam 20071a 93% trong tdng ngudn von buy clOng, trong d6 ngudn vdn huy clang th hen gui net Mom van dOng vai trio din dao trong tong ngudn vdn huy dOng veil 65%, 76% va 69,2%. Ong yin sir tang vot ciia tdng ngudn vdn huy clang thi trong 3 nam gin day cluing kien su tang math ciia tien giu 661 Idnm ngoai tn. Nam 2005 la 21639 trinu d6n nam 2006 la 440.373 trinu, va den Want 2007 la 604;996 trieu detng chi6m 18% fling ngudn vdn huy dOng. Dat &roc thanh qua nay mot pinin la do ngudn kieu hdi gin ve tang Ion, phan len ngubi dan ducic tile. nhan thong tin quang cao ctia Chi nhinh v4 nheng toil nhuin khi gui Lien vao Ngan hang.

I. Ngudn vdn: Tong ngudn vdn kinh doanh d6n 31/12/2007 dal 4.117 ti, tang 1.208,7 ti (+41e6%) so yeti nam 2006, co cau nguein vdn nhu sau:

1.1-Ngwan vdn buy Ong: 3,342,9 ti, tang 924,8 ti (+3V% loan he thiing NHNo tang 7%), chiem 84% tong ngudn vdn kinh doanh, Ong sd 102.273 khach ang gin, tang 10970 khach hang (+1168%); dal 106.1% chi hen ICH nam NHNo Viet Nam giao; chiem 3204% thi 'Alan vein huy Ong cila cac H.112 tren

</div>