Quản lý hoạt động tín dụng tại ngân hàng chính sách Nghệ An cho các huyện thuộc chương trình 30A tỉnh Nghệ An

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I HC QUI
TRƢỜNG ĐẠI HỌC KINH TẾ
___________________________














NGUYỄN VĂN HÙNG










QUẢN LÝ HOẠT ĐỘNG TÍN DỤNG
TẠI NGÂN HÀNG CHÍNH SÁCH NGHỆ AN

CHO CÁC HUYỆN THUỘC CHƢƠNG TRÌNH 30A
TỈNH NGHỆ AN







LUẬN VĂN THẠC SĨ QUẢN LÝ KINH TẾ
NG TH

















Hà Nội - 2014

ii
I HC QUI
TRƢỜNG ĐẠI HỌC KINH TẾ
___________________________

NGUYỄN VĂN HÙNG









QUẢN LÝ HOẠT ĐỘNG TÍN DỤNG
TẠI NGÂN HÀNG CHÍNH SÁCH NGHỆ AN
CHO CÁC HUYỆN THUỘC CHƢƠNG TRÌNH 30A
TỈNH NGHỆ AN



Chuyên ngành: Quản lý kinh tế
Mã số: 60 34 01

LUẬN VĂN THẠC SĨ QUẢN LÝ KINH TẾ
NG TH



NGƢỜI HƢỚNG DẪN KHOA HỌC: TS.NGUYỄN CẨM NHUNG


















Hà Nội - 2014


i

MỤC LỤC


M U 1
.  C TIN V HONG QUN
NG 6
1.1. Ho 6
m v ng 6
ng 7
1.2. Rng 17
m v rng 17
ng 18
1.2.3. Hu qu ca rng 25
1.3. Qung 27
ng 27
ung 28
 u qu qung 13
 nh hn qung 9
1.4. Kinh nghim v qung ci ca
mt s ti tnh Ngh An 33
1.4.1. Kinh nghim v qung ci
 mt s i tnh Long An 33
c kinh nghii vi
Ngh An 35
2. THC TRNG HONG QUNG TI
N 30A CI TNH
NGH AN 37
2.1. Gii thiu chung v i tnh Ngh An 37

ii

2c v p ni tnh
Ngh An 37
2.1.2. Chm v ca i tnh Ngh
An 37
2.1.3. M chng ca i tnh
Ngh An 38
2.2. Thc trng chng ci t
huyn 30A tnh Ngh An 42
ng tn 30A tnh Ngh An 48
2.2.2. Kt qu c trong thc hing t
huyn 30A tnh Ngh An 54
2.3 n chng t
huyn 30A ca tnh Ngh An 64
2.3.  64
2.3.2. V t Tit kin 66
2.3.3. V ng vay vn 67
2.3.4. V 














67
3. GING QU
NG I I V
 TN 30A TNH NGH AN
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3.1. ng hong ci Vit Nam 69
3.2. ng qung h i
n 30A ci tnh Ngh An 70
3.2.1. Ph

t ch hong ca i vi
 70
i hong 71
iii
3.2.3. Gi  i vi h  73
3.2.4 Gii vi cp huyn 77
 79
3.3. Mt s kin ngh 80
3.3.1. Kin ngh 





 80
3.3.2. Kin ngh vi p 81
i vi tnh Ngh An 82
3.3.4. Kin ngh i vi Hng qun tr - 
i 82
KTLUN 83

U THAM KHO 85



i
DANH MU
̣
C TƢ
̀
VIÊ
́
T TĂ
́
T

STT
Ký hiệu
Nội dung
1
BQL
Ban qu
2


3
HCCB
Hi cu chin binh
4

Hng qun tr

5
HND
H
6
HPN
Hi lin hip ph n
7
HSSV
H
8
NQH
N n
9
NHCSXH
i
10
NHNN
c
11
NHNo&PTNT

tri
12
NHTM
i
13
SXKD
Sn xut kinh doanh
14
TCTD

T chng
15
TK&VV
Tit kin
16
UBND

17


ii
DANH MỤC BẢNG BIỂU

STT
Bảng
Nội dung
Trang
1
Bng 2.1
u ngun vn cho vay ca NHCSXH
Ngh An t
41
2
Bng 2.2
Doanh s cho vay tn
30A tnh Ngh An
47
3
Bng 2.3
Doanh s cho vay h 

huyn 30A tnh Ngh An
48
4
Bng 2.4
Doanh s thu n - 2013
50
5
Bng 2.5
 n - 2013
51
6
Bng 2.6
 n c
huyn 30A tnh Ngh An n- 2013
52











iii
DANH MỤC SƠ ĐỒ, BIỂU ĐỒ

STT

Hình
Nội dung
Trang
1
 2.1
 chc ca NHCSXH
37
2
Bi 2.1
Din bi 
54
3
Bi 2.2
 khoanh t - 2013
56

1
MỞ ĐẦU

1. Tính cấp thiết của đề tài
 t v      uc bi  i
nhVit Nam. Nhng
 i mi sng c 
 t. Song, mt b ph c bit
  u c
m b c nh u kin ti thiu ca cuc sng. S  
  xi c
 t trong nhng gi
quan tru ca chin kinh t - 
nhi   n t         
trhiu vn sn xut kinh doanh. Cc ta
t m thiu trong h
thn kinh t - a Vit
Nam. Xu   nh    i t      
2002, Th       nh s   p
 t chc lc v 
 thc hin nhim v cho vay h 
a NHCSXH trong thi gian va
qua tn 30A u v u qu s dng vp,
h vay s dng vn sai mt.
 gii quyt tt v qung cng
i vn 30A i phu m

h thc, ph 
i.
2
Vi nh      nh dn ch   "Quản lý hoạt
động tín dụng tại Ngân hàng chính sách Nghệ An cho các huyện thuộc
chương trình 30A tỉnh Nghệ An" t nghip.
2. Tổng quan tình hình nghiên cứu
Hom n nhiu ri ro 
dng, ri ro th ng, ri sut, ri ro thanh khon, ri ro t  Trong
a nht ci ro t hong.
ng t v i s 
u  bt c thn t c.
          
c hin v v  Hu h
thy qung trong h tht v l
ng ti nn kinh t cc gia.  p trung
ng v c ti
c nhng ginhm hn ch ru qu qun
ng. Mt s  nh Nguy
Tiu v qun tr 
dng ph bi gii nhvn dVit
Nam. Nguyn Th Minh Hu  d 
 ho thng ng
yc trng hon l ri ro ca h thng NHTM
Vit Nam.  cn thc trng hong
cng t
trin kinh t i Vit Nam  xui mi hot
ng ca h thc Vit Nam.
3
nh nhu chung v qung cho c h

th nhu t
qun kinh t ca tng
n. Nguyn Th T
di vn kinh t trang trthc trng
ng nhn kinh t trang tri  ng
u v m r
chng, ch y m bo tii vay vn
p ti v
  cn vic t
ch nhi
tt c u v
qung ca Ni tn 30A tnh
Ngh An. Do vy, viu ca lu n b sung v 
luc tim

3. Mục tiêu và nhiệm vụ nghiên cứu của đề tài
Mục tiêu:
 v t d v qu l t d 
t ra gi ph nng cao hi qu qu l t d t Ngn h CSX
.
Nhiệm vụ nghiên cứu:
 Nhm h thng v n v ng t
ng qung.
4
   c trng v ng qu
dng ca NHCSXH tn 30A tnh Ngh An.
  xut mt s gichng qung
ca NHCSXH tn 30A tnh Ngh An.
4. Đối tƣợng và phạm vi nghiên cứu
 u: Hong qung ca NHCSXH ti

n 30A.
 Ph         n 30A ti
NHCSXH tnh Ngh An t -2013.
5. Phƣơng pháp nghiên cứu
Lun   d        
ng hp, thng minh, din gii,
, biu m th 
c s dng trong lu
  ng h ng trong
vic tin v ng, tra cu
lut, ngh nh, ngh quyt, quyng dc,
c ng qu
ng t  t ng hc kinh nghim
cho qung ca NHCSXH tn 30A tnh Ngh An.
 d 
n trong bng kh  l phn
t qu c x  n
i dng bng s liu, bi  th.
5
 thu s dng kt
h thu, bng
bi    t qu         ng ca
NHCSXH tnh Ngh An.
6.Những đóng góp mới của luận văn
 u ti NHCSXH ca 3 huyn 30A tnh Ngh An,
lu ng qung,
 phi hp cht ch gia NHCSXH v chc nhn i
i hong; gm
giao d tit kii vi t TK&VV ph
 bn v ng t  i l hot

u qu.
Lu i vi h 
rc cho vay, m r sn xun ch
s dc vay, thi ht
theo tng d i v vay vn phc tham
gia tin gi tit kim qua t TK&VV.
7. Kết cấu của luận văn
Lun m t lun, danh mu tham kho,
g
 c tin v hong qu ng.
c trng hong qung tn 30A
ca NHCSXH tnh Ngh An.
ng qun dng
NHCSXH tn 30A tnh Ngh An.
6
CHƢƠNG 1
CƠ SỞ LÝ LUẬN VÀ THỰC TIỄN
VỀ HOẠT ĐỘNG QUẢN LÝ TÍN DỤNG

1.1. Hoạt động tín dụng Ngân hàng
1.1.1. Khái niệm về tín dụng
t ph c ph
quan h kinh t  chng quyn s dng m
tr th hin bng tin hay hin vt cho m     ch  i
nhu kin bt buc nhnh v thi h (c g
sui.
Quan 






 

 

dt quan h ng ch yu, cung cp phn
ln nhu ci n kinh
t. V  t
 thiu  c c t.
 ng gia m
m     chc kinh t       
7
p
       chc kinh t   u ra c  
Trong nn kinh t, v    c h i nhi
th phiu, vay v
n vn li nht,
c bii nn kinh t c ta hin nay.
 
 “



”.


 

 

 
1.1.2. Phân loại tín dụng
    
 

 

 


8

 




             



 



 







             





9
 


1.2.Quản lý hoạt động tín dụng
1.2.1. Khái niệm quản lý tín dụng

   

 



 


dung :
- 
- P
- 
- 
- 

- .
1.2.2. Các nhân tố ảnh hưởng đến quản lý tín dụng
 






 , 










 . 













































10


. 











, 


























.




 , 











































 . 





















 . 









































 







 ,













 .


 , 


 ,  . 
 







 , 





















 . Thanh






























, , 

.
 

:


































 . 
























 . 






 , 





 , 








 , 










 . 


, 
 , 



 ,  ,






 - 
11













 , 
, .
























 , 




, 




















.





  , 
































. 









 , 




 









 , 


























.
 

:
 

















 . 




: 







 , 





















 . 























, 



.
 , 






































 . 













 , 






















 , 




















 



.
12
 








:
+ 







 , 



 , 




, , 















.
+  , 





















.
+ 



 . 
doanh, 





 , 























.
+ 












 kinh doanh , 






,  . 




























 .
 






:





















 , 


, 






, 





, 


, 













 

:
+ 










 , 














 ,

















 , 





























.
+ 







 



























.
13
+  , , , 



















.
+  (



 ) 




 , 








.
+ 








  ,  ,
 ,
 , 






.
+ 





 

















 , 










.
+  , 



 , 
, 



.
1.2.3. Phương pháp và chỉ tiêu đánh giá quản lý tín dụng

 s c s d 
1.2.3.1. Tình hình nợ quá han
T l n
=
 n
T
N ng nh nh th ch.
ng ti tt c c ho
nh hin nay c n
c          
ng v  n t 
ng.
14
N n n t phn ho n g
n.
M p c    ng kho   
  u ki c gia hn
n m bo qut chn n n trong h th
i Vii theo th
theo thi h
- N i 90 n - N c
- N n t  - N n.
- N n t  - N nghi ng.
- N  - N  t vn.
Do vii chy,
 nhng khong  Vit Nam tim n rt nhiu ri ro.
1.2.3.2. Tình hình nợ xấu
T trng n xu / T cho vay
N xng khon n 
u.

Ti Vit Nam, n xu bao gm nhng khon n 
th thu hi, n   x ng khon n n
 x i ro.
N xu (hay n , n nh, n  
th ng khon n 
- c hi tr n v
cam kt hn.
- ng xu dn
 c c vn l
15
- m bo (th chp, cm c, b
  g
- ng v thn n 
 i n n theo thn ln
n n   xc khon n xu tn ti hin nay  
NHTM bao gm:
+ N n t  
+ N   i ki thu hi
ch x  m bp l.
+ Nhng khon n n, n tr  thu.
Theo Quy- xu ca t
chng bao g 
 n bao gm:
n n n t 
n n u li thi hn tr n lu, tr n n
u chnh k hn tr n l
n n c min hoc gi kh
  theo hng;
n n 
 nghi ng bao gm:

on n n t 
n n u li thi hn tr n l
theo thi hn tr n u li lu;
n n u li thi hn tr n ln th hai;
n n 
 N  t vn bao gm:
n n 
16
n n u li thi hn tr n ln t 
tr i hn tr n u li lu;
n n u li thi hn tr n ln th n theo thi
hn tr n u li ln th hai;
n n u li thi hn tr n ln th ba tr  c 
b n hon;
n n khoanh, n chi x 
n n 
1.2.3.3 Hệ số rủi ro tín dụng
H s y t trng cn mn
n mng trong ti nhun s l
ng thi rng, t cho vay ca

-    c       ng x  ng
kho ri ro l mang li thu nhp cao cho
ng chim t trng thp trong t cho
vay c
-    c       ng t  ng
kho ri ro th mang li thu nh
m t trng thp trong
t cho vay c
-    c  n        

nhng kho r chp nhp
mang la phng chim t tr
o trong t cho vay c
   th 
di vay, xp h
17
d u t m bo tin vay; quan h gi
ng hong c
1.3. Rủi ro tín dụng
1.3.1. Khái niệm về rủi ro tín dụng
Ri rng ca
u hic t qua vi c n hoc
tr n 
Cinh t n ci ro trong
ng tp trung ch yi
ro ln nh
 ho
dng c
 u 02 cnh v i np
 dng d  x l. rng trong hoa t
ch       nh s  - 
22/4/2005 ca Thng trong
hoa t ch y ra tn tht trong
hoa t ch c hin
ho c hi ctheo cam kt.
 ng r xut hii
quan h  n lc
hin ho kh c hi tr n n hn.
Rng gn lin vi hong cho vay ct
ng quan trng nhtn nht c

iy, khi quynh thc hin mt kho,
phi m b t i vi
 khon cho   tin vay cu