Giải pháp mở rộng hoạt động cho vay đối với hộ sản xuất tại ngân hàng nông nghiệp và phát triển nông thôn việt nam chi nhánh huyện hoài đức

CHUONG 1. CO SO L)? LUAN VE CHO VAY HQ SAN XUAT CUA NGAN
HANG THUONG MAI
1.1. Hoot dung cho vay d6i vii h0 sin xuAt cua ngin hang thuung mgi
1.1.1. Khdi nifm, d#c diem caa
he
min malt
Khii niem
Tru6c het, de c6 can cir phat men
de
UM, chimg ta an lam re khai niem ye he, san
xuAt. DAu tien, chi ng ta can hieu dtrqc djnh nghia:
"HO liz gi?".
Theo van ban
s6
1030 ngay 3/4/1991 cila Lien hiep quiic dinh nghia:
"HO la
nhung Ague& cling song chung dirol mOt mai nha, cling do chung viz co chung mot
ngdn
guy""
Tai
cuOc thio luan quoc ta lin thir IV ve van de Quan 15
,
Wing trgi tai Hi Lan
nam 1980, tien si Aalt A. Dijkhuizen da dua ra khai niem:
"HO la mOt dan vj ca bcin
clic: xd hOi, co lien quan den san neat, tat san xuit, din tieu dung viz cac hoot dOng
khcic czia xd heir
Theo nhu tir dien neon nge viet nam phat hanh nam 2001, tgi trang 497, ding thir
52
-
55 ce vitt

"HO /i
tit ca nhiemg ngtriti cling song trong mOt mai nha, nham ngwol do
có the bao gam nhang ngiroi co cling htcylt thong hodc khong"
Tir nhOng djnh nghia tren, ta c6 the nh#n thAy khai niem
"HO"
dtrqc hieu theo
nhieu cach khic nhau thy theo d#c diem cilia timg quic gia tren the gioi. Tuy nhien, ci
the hieu met cach chung nhAt la he la met dun vj cis xa bao gim cac thanh vien
song va sink hogt cling nhau, cac thanh vien ci the c6 cimg huyet thong va cling song
chung trong mOt nen nha. Mgt khac, cling ci the nh#n thAy ring, hi) cling la don vj ea
ban nhAt di
t6
chirc lao deng„ tin tai nhu met don vj kinh
to co
bin nhAt voi muc Watt
san
xuAt co si la tu cung, tu cap, tu san, ttr tieu.
Sau khi da lam re khai niem ve "he)", buoy flip theo, chimg ta an hieu ve khai
niem
"HO san xualt".
Tren gic de ngan hang:
"HO san xuat la mOt thuOt ngu dmic
Bang trong hoot dOng cung ling von tin dung cho xii hOi de gni]) xd hOi phat van kink
MOt
si thu#t

!chic thubng duct ding di thay the thuot nga
"HO san xutit" la
"HO gia dinh", "ho kinh doanh"
Dug tren phu Ipc

s6
1 kern theo guy& djnh 499A ngay 2/9/1993 cia
NHNo&PTNT Viet Nam, theo di khai niem hO san xuAt dtrqc hieu nhu sau:
"HO san
xudt la don vj kinh to tv chti, trvc flip hogt Ong kinh doanh, la cha the trong moi
quan
he
san xulit kinh doanh va tv chju track nhiem ve kit qua how dOng kinh doanh
cua
minh".
Trang 1
Tir dinh nghht ten, ta c6 the khai quat loi nhu sau: HO san xuAt la dun vi kinh te
ti chit, toe tiep hoot dOng san xuAt kinh doanh, ho san xuAt co the to loa chop nghluth
nghe san xuAt, to minh huy Ong von di den hinh san xuAt vi trvc tiep tieu thy san
phAm sau qui trinh san xuat. Trong cac quan hg san xuat kinh doanh nhu vay von, san
xuAt hay tieu thy hang hoa thi Kt san xuAt gift vai fro la mOt chit the dOc
Doi
vai nhitng nuoc c6 nen nong nghiep lit chit yeu thi hi) san xuAt la mOt thanh
phan kinh te rat quan trong trong san xuAt thing nghiep, dac biet khi nen san xuAt nong
nghiep con loc hau, phi thuOc chit yeu vao sirc lao dOng con ngutri la chinh. D6ng then
kith te ho san xuAt cling la mOt thanh phan kinh to khong the thieu trong nen kith 4'
thi truing nay. Trong nen kinh te thi truing hien nay mac dit quy m8 cue kinh te h0
khong Ion nhtmg do dac tinh la don vi san xuAt co ban cilia xa hOi, ne dOng treo vai
quan trong trong qui frith phat trim kinh te cite dAt ntrem, On dinh doi song xd hOi.
Phan
loci
Theo tai lieu
"Vat tro czia
h¢ san
xuat

trong nen kinh ti thi owing"
duqc hiding
Doi hoc Kinh te Quoc din xuat ban thi dtra vao niing ltrc cna h0 san xuat ta ce the chia
thinh ba loci sau:
Logi ink nhAt:
Li cac ho co von, c6
kg
thuat,
ky
!tang lao dong, biet tiep cfu
►

yeti
moi truing kinh doanh, c6 kha niing thick (mg, hoi nhap yeti thi truing. Nhu vay cac
ho nay tien hanh san xuat kinh doanh c6 hieu qua, biet t6 chive qua trinh lao dOng san
xuAt cho phit hop v6i thai w de san phAm too ra c6 the tieu thi tren thi throng.
Logi
finis
hai:
la cac ho ce suc lao dOng lim viec can man nhtmg trong tay hp
khong co hoac co rat it to lieu san xuat, hen von hoc chua co moi truing kinh doanh.
Looi hi) nay chiem plan Ion trong nen kinh te.
Logi the ba:
la cac ho khong c6 suc lao dOng, khong tich coc lao dOng, 'thong
blest tinh town lim an, hay gap rut ro trong san xuAt kinh doanh, gap tai non Om dau va
nhftng ho gia dinh chinh sach cic h0 nay thug:mg duqc xep vao dien ho ngheo vit an
so gift!) de( to nhang chinh sach cue chinh phi; vit cac ngan hang chinh sach de co the
won len phitt trim kinh te, di thien doi song.
Theo nhu cach phan loci tren, co the then thAy s6 ho san xuat rot vao loci thir hai
chiem phlin lan trong nen kinh to cue ntrac ta hien nay, lit cac d6i Wong khich hang

chinh cue cac ngan hang thucmg moi hoS dOng tren dja ban nong nghiep nong th8n.
Diem yeu cim hp la thieu kien thirc cap that ve nen kinh te vi thieu vim de san xuat,
day la dti tuqng ma NHNo&PTNT Viet Nam can uu tien cho vay cling nhu la hO trq
ve thong tin de ho c6 the phat trim san xuAt.
Trang 2
Thang Long University Library
Cac ho loai thin nhAt IA cic ho dA di tien phong trong nhieu linh nrc dm nen kinh
to
nOng nghiep ding th8n, trong mOt th&i gian dii hq di holm thien cic quy trinh
san
xuAt vi lien
thy hang Ma, hq thuting c6 nhu cAu vay von 16n. SO luqng cic ho nay
la
kh8ng 16m tong nen kinh to tuy nhien do kith nAng kinh doanh cita hq duqc dim bio,
hq IA nhOmg khich hang fit uy tin tin ngin hang.
Cie ho loai ba duqc xep vio dien ho ngheo, hq an nhang chinh sich ho trq x6a
dad giim nghIo cita Chinh Phil de c6 the citi thien cuOc song.
D$c diim
Dora vio tii lieu ve
"Hoot tong cho vay h¢ san suck cia nglin hang thwang mgt"
duqc twang Hqc vien Ngin Hing phit hinh thi ce the khii quit dAc diem dm hi) san
xuat nhu sau.
HO san xuAt la mOt don vi kinh to dtic biet visa sin xuAt vira tieu this san phAm.
Cic thinh vier trong ho c6 nhu au tieu dung sin pham trong dbi
song
hing ngiy.
Nhung dong th6i ho la nai sin xuAt ra the sin phAm de phut vo cho ca the thinh vien
trong ho vi xA hOi.
Quy mo sin xua dui ho nh6, mang 'ging tinh sin xuAt truyen thing, san xuAt ra
the sin phAm can thiet phut vo cho nhu au the thanh vier trong ho la chinh. Khi cic

sin phAm lim ra khong duqc tieu dung ha trong gia dinh hq mai di trao d6i. San phAm
lim ra kitting vi moc dich trao d6i. Chinh vi vAy s6 luqng mang di trao d6i chiem tjr
tong nh6 tong tong
so
khOi lugng lim ra. Khi kinh to ho phit then 6 mist do cao hot,
ce sin xuAt hang hoi nh6. Khi do, do c6 trinh dO phit tien cao han, Si luqng sin
phAm lam ra nhieu han nhu au tieu dimg ciut ho, c6 sin phan du thin mang di trao
dOi. Sin xuAt hang hoi nh6 the hien 6 quy m8 sin xuAt vi Si luqng sin phAm lim ra.
Quy mo h0 sin xuAt math mon, nh6 16, kh6i luqng sin phAm bin ra chi chiem Mang
tir 20-30% khoi Itrqng sin phiun Ming sin ten thi tinging.
HO sin xuAt tien haul sin
xuAt kinh
doanh dOc kip Au chit, IA chit the tong cic
quan he sin xuAt kinh doanh . HO sin xuAt kith doanh ten nhieu nginh ngh'e
Trong nen kith ti 6 nhang dja phucmg c6 nen kinh to kern phit trim, chit yeu
la
sin xuAt
neon nghiep thi h0 sin xuAt chit yku hoot dOng tong firth Arc n8ng nghiep.
Kinh CA
hi) sin xuAt (long vai tr6 rat quan trqng doi vai viec phit trien kinh
to Goa
cic
ho
n8ng nghiep, vein di chi sin xuAt vat quy m8 the vi vira tong linh Arc n8ng
nghiep
1.1.2. latii niem cho vay he son
xuAt
Khai niem cho vay
Trong 3
Ngin hang li mOt doanh nghiep, hoot Ong trong link voc tien te,de c6 the duy tri

vi phat trien hog &Ong cua minh thi hog ding kinh doanh cua ngan hang phai c6 lai.
Hog dOng chu
yeu cua
mOt ngan hang thuong moi Ia huy dong v6n vi nghiep vo tin
dung nhim tim kiem lqi nhuon, trong de c6 nghiep vo cho vay cac thanh phin kinh to
trong xa hOi. Theo quy ch'i cho vay cua cic
to
chirc tin citing d6i von khich hang ciut
ngan hang Nhi nuerc Viet Nam (ban Muth theo
quyet djnh so
1627/2001/QD-NHNN
ngiy 31/ 12/2001 dm Thong d6c ngfin hang nhi nuac), thi cho vay ducrc djnh nghia
li
mot hinh thirc cap tin ding , theo de
to
chirc tin dung giao cho khich hang sir dung
mOt khoin tien de sir dung vio muc dich vi tiled gian nhAt djnh theo thoi thu#n vii
nguyen tic ca hoin frit ci
g6c
vi lai.
Khii
niem
cho vay by sin suit
Theo d6, cho vay hi) sin xuat chinh la mOt hinh thirc ma ngan hang cap von cho
h0 sin xuAt sir dong vio mpc dich sin xuAt kinh doanh trong met then gian nhAt djnh
theo so thoi thu#n giDa ngan hang vi her sin xuAt, ding thin thoi thuan phuang thirc
tri no cho ngan hang. D6i Wong ciut cho vay 110 sin xuAt la cic ho gia dinh, day li mOt
thinh phin kinh to quan tong trong nen kinh t@ nhieu thinh phew Cic ho sin xuAt
thu?mg 'thong co dit
v6n

de tien hinh phuang in sin xuat kinh doanh ctia minh, mOi
khi do djnh sin xuat thi cic ho deu c6 nhu cAu vay
vein.
Thai gian truArc khi chua c6 so
xuAt hien Ain cic
to
chirc tin
dung
thi cic ho thiremg phii vay nang lai lim inh huertg
den ket qui cita hog dOng sin xuAt, sin xuAt kh8ng mang loi lqi nhuin ding ke cho
cac h0. Tir khi c6 so phit
trien dm he
thOng cac
t6
chirc tin dung d#c biet 11 he th6ng
ngan hang thi cac h0 sin xuat da c6 the tiep c#n
duqc
yeti ngurin
v6n
thich hop vii khi
nang cua mirth vi hog dOng sin xuAt ciut he, dem lei lqi nhu$n cao hem, tir d6 kinh to
hi) sin
xuAt daft
din phat trien.
1.1.3. Cdc kink third cho vay dui vdi hQ sin xuAt
Cho vay
trip tiep h0 sin suit
Cho vay troc tiep la phuang thirc cho vay ma 6 day ngin hang se
trim tiep
cho ho

sin xuat vay
vim , hp
sin xuAt troc
tiep
nh§n vein vay tir nein hang, tir dim den
cu6i
qui trinh vay chi phat sinh mOt khoin vay cita her sin xuAt yin ngan hing . Day
la
phuang thirc vay ph6 bien nhAt vi quan tong nhAt toi cic chi nhinh NHNo&PTNT
Viet Nam rip dung trong cho vay dti vii the h0 sin xuAt. Trong phuang thirc cho vay
trtrc tiep, ngan hang con thoi thulin vii cac h0 sin xuAt thoc hien cic hinh thirc vay
von
khac nhau
Cho hp an xuAt vay
tryst
flip thong qua a vay yin:
TO vay
van
do cic thanh vien la he) gia mink, ca nhan to nguyen thinh lop, c6 nhu
au vay von, ding cu chu
toi th8n, x6m. TO vay
von
phii &roc thanh 1#p theo quy djnh
Trang
4
Thang Long University Library
cua ngan hang, ding then ngan hang se quy dinh trich nhiem cua nhing ngutri lien
quan nhu
t6 trueng t6
vay von, ho san xuit ding IcY vay von tir t6 vay von.

Cho hO
san xuAt vay tryr
tiip thOng qua doanh nghifp:
Cing
giOng nhu
cho vay qua
t6 vay von,
ngan hang th8ng qua doanh nghiep de
trkrc tiep
cho ho san St vay von. DOi Ming vay la cic ho san xuit nhan Ichoin dia
the doanh nghiep.
Cho vay giin tap h4 sin aunt
Cho vay gian
tiep la
phuong thirc cho vay ma ngan hang thong qua cic
t6
chirc
trung gian de chuyen von vay den 110 san St, nhim lim tang kenh phan phai
von
cho
ho san xuit. Cic to tit trung gian c6 the la
t6
chile tai chinh nhu: Him tic xa tin dung,
ngan hang co phin, quy tin clung. C6 the li the
t6 chat
kinh
to
nhu ficrp tic xa san
xuit, cic doanh nghiep nhi mac. Ck
to

chat xi hOi nhu HOi phv nt, HOi nong dan,
HOi cuu chi& binh, HOi thanh nien, HOi lam vutrn. DOi tucmg vay von dui ck to cline
trung gian nay thuting la h0 nghto, thieu
von
san xuit nhung khong dit tai san lim bao
dim, hp c6 sire lao dOng, c6 Ice hooch san xuit !dui thi, phu hqp vtri chinh skh phit
trien cua dia phuong. Phircmg thilc cho vay nay too die'u kien cho cic ho san xuit duqc
vay von de phit trien san xuit,thay dOi &A song cna timg h0 ngheo, gap phan phit
hien
kinh
to
dia phuang. Dong thtri nein hang thirc hien duqc trich nhiem veri nhi
nu& la xoi d61, giam ngheo too sir phut trien dong deu trong san xuit wing nghiep vi
n8ng th8n. Cho vay th8ng qua
t6
chirc kinh to xi hOi thvc chit la cho ho san xuit vay
bang tin chip, bang uy tin dm cic
to
chile dimg ra trung gian. Mac du cho vay nhu vay
se giam chi phi thim dinh cho ngan hang, nhung do khoan vay khong dirge bio dim
bang tai san dim bio, rill ro tong hoot dOng cho vay nay la kha cao, c6 the anh hutmg
den chit lirqng tin dung ngin hang.
1.1.4. Vai trd cuts hoist ding cho vay

vdi hO san xuJt
Trong qui trinh hoot dOng thirc
to cua
minh, he thring cic ngan hang thircmg mai
Viet Nam &A the hien vai tr6 to Ian
dm nguon von vay doi

vei sir phut trien kinh to hi)
san xuit:
Cho vay Ist9 san xulit gop phAn tyo dila Men duy tri cdc ngdnit nght4 truyin
th Ong
Dira vio lqi the so sinh gifts cic yang, cic dirt phuong khi c6
von
dau tir, ngutri
dan di Ichoi phpc, duy tri vi phit trien cic nginh nghe truyen thtmg. Try& day, quy
mo cua ca nganh nghe truyen thong la tucmg dOi nh6 do cic hi) khong ce nhieu von the
phit trien, thi truerng tieu thy cna hp thutmg b6 hgp tong pham vi mot
so
tinh lan con,
chinh vi vay lqi nhuan dem loi cho ngtrai din lam nghe la khong lan dan den viec chi
Trang 5
co mOt s6 h0 dan la c6 the thvc sv lam giiu duce yid nghe truyen thOng. Dieu nay
khien cho cac nginh nghe nay din tit nen mai mOt do nguiri dart be nghe, chuyen sang
cac Unit vvc khic dem lai nhieu thu nhap han. Do do, hoat dOng cho vay ho sin xuat
cung cap cho ngtrai din co nguan vim de phit trien sin xuat, qua da mer ruing quy m8
hoat d'Ong, ma rung thj trubng tieu thu gift!) cho hp co duqc lqi nhuan cao han thin kjr
twat. Dieu nay gap phan giup cho cac ngiuth ng,he truyen thong duqc duy tri, tao duqc
net dac tnmg kinh
4
cho dja bin ding thin.
Cho vay lt6 sin xuat ld cong cy tdi trct vii phis Win co sd hg tang nong thin
Ca so ha tang la mot tong nhung
yeu t6
ca bitn cho sv phit trien cua mOt quiic
gia tong de co Viet Nam, no gift vai tr6 dac biet quan tong doi yin sv phit trien kinh
to xa hOi cua dat nuirc. Dau to co so ha tang nong them bao dau to cho thujr lqi,
he thong dien, duang giao thong, truing hoc, tram xi, he thong th8ng tin lien lac, kho

ting,ben bai, chq, he thing cung cap nuirc sach
Cho vay h0 slut xuat tham gia vio quy trinh phit trien co sa ha tang nong thin
th8ng qua viec cho vay ngan, trung, clli hart vai nhang chinh sich uu dai phit
trien co so ha
tang
nong them cua Chinh Phu. Cic h0 sin xuat co the sir dung von vay
de xay dung tram born, be
de
din nu6c, duang giao thong Arai muc ditch nang cao
hieu qui sin xuat, cai thien m8i twang lao dOng. Dieu nAy tram mat gi6p cho hoot
dOng sin xuat kinh doanh cfra h0 duqc thua
►

tien, sau de la cal thien b0 mat co sir ha
tang tai dja phuang, tao di'eu kien cho nhieu linh vrc dOng thin cung phat trien.
Cho vay hP sin xuat gip phin hgn chi cho vay npng lii b tiling thOn
Tinh
tang cho vay nang lai a nong than da ton tai tit lau vi co the dOng rat lim
den sin xuat vi deri
song dm nosai
din. Khi chua co tic chinh sach cho vay don yin
hi) sin
xuat,
cic hq sin xuat
mutin
c6 vie de kinh doanh phii vay vim cua cac ca thin
ten dja bin von lai suit cao, dieu nAy din din viec lqi nhuart dinh cho h0 sin xuat
khOng dim bio do phii dinh phan lan de tang trai khoin vay. Ngoii ra, cho vay nang
lai 6 nong than con 11 mOt hoot dOng bit hqp phip, gay bat On chinh tri tai dia phuang,
khien cho kinh

to
nong than cham phit thin tong then gian dai. Hoat dOng cho vay
dai
vii h0 sin
xuat cua
ngan hang ma ra giltp cac ho sin xuat co the
tiep
con dugc
nguan von vai lai suit phi! hqp han, cung vai da la cac chinh sach thu hoi no linh
ding, ngutri din khi khong dim bito duqc viec tri nq dung han, co the trinh bAy
vii
nab hing de c6 the kat) dii thiri gian tra nq. Do do, hog dOng nay timg buck da han
the duqc viec nguOi clan phii vay vim riling lai.
Cho vay hQ sin xuat gitip h6 sin muff lint quen vd tieing but thyc hien chi tip
hgch Loin kink 11, sit dyng win vay ce Itifu qud
Tsang 6
Thang Long University Library
Trong san xuAt hang hoa de dim bao cho sv Mn tai va phat triEn tha minh thi bAt
cir mot dun vi san xuAt kinh doanh nao ding phai tien hanh hich town kinh to de san
phim cua minh duqc thi throng chip nhlin va kinh doanh co lai. Cac ho san xuAt nuec
to chit yell la ho nong dan !than 16n con quen vdri suy nghi "lAy cling lam Lai" thuong
lien hanh san xuAt kinh doanh trong khi hieu qua san xuAt kinh doanh chua coi tremg
dung mac. Mot s6 nam gAn day, ngan hang da co sv quan tam han tOi cac hi) san xuat,
the ho dirge vay v6n ngan hang song phiti thvc hien nguyen tic hoin tra cho ngan
hang day dit, dung han ca g6c va lAi. Do de the ho dei hot phai tinh town hieu qua, sir
ding van vay dung mvc dich de sau khi tra gOc va lai cho ngan hang thi the ho van
con phan thu nhAp elm minh.
Cho vay h(3 sibs xuat giap Mac diy Sc he son xuat
xuAt kidu
hang hoa

Khi chua c6 hoat dOng cho vay ho slut xuAt, san xuat cua cac ho chit yeti la tv
cung tir cap, s6 luqng hang hoa dem ra trao doi thy co nhung khong nhieu, dieu nay la
do cac ho thieu kien thirc va quan trqng nhAt la thieu vein de ma rOng boat dOng san
xuat kinh doanh. Host dOng xuAt MIL tai cac dia phuong chinh vi voy ma con rat han
the phai phi thuOc nhieu vao cac doanh nghiep nhi nuec. Thai gian gin day, cho vay
ho san xuat da cung cap, b6 sung win cho cac hi) sin xuAt, giitp cac ho co thE ma rOng
quy m0 san xuat, kh6i lugng hang h6a cung cap cho thi trueing trong ntrec vi the duqc
nang cao, ben canh de the ma hang nong san veil chAt lacing Mt se doge xuat khAu
sang cac ntrec khac, tao thuang hieu cho cac mAt hang Wong san Via Nam va thu dirge
lqi nhu'an len, tao dieu kien de cac ho san xuAt tiep tic xoay yang v6n dlu to san xuAt.
CO the nei, hoat
dOng
cho vay ho san xuAt di gap phAn gulp cho cac ho san xuAt dua
san pham cua minh ra ngoai hien giai Viet Nam.
1.2.
Mi ring hoat ding cho vay dti yard hi sin suit tai ngan hang thwang m0
1.2.1. Mali nifm mo ring hoyt dOng cho vay doi vai hQ san
xuat
Ma rOng hoat dOng cho vay d6i veil h0 san xuAt la sv gia tang ve quy mo cho vay
ho san xuAt cua ngan hang, ma rOng bao gam sv mo rOng ve s6 lugng ho san xuAt vay
vim ngan hang, sv gia tang ve doanh s6 cho vay (16i yeti m8i ho san xuAt, sv thing
throng tS
,
le di nq d6i veri h0 san xuAt, hay sv gia tang ve s6 lugng nginh nghe vay
v6n. Me rOng cho vay ho san xuAt dirge the hien 6 mot s6 diem sau:
Vii se laying hf san xuat vay yin
HO san xuAt la khach hang vay von trong cho vay d6i yeti ho san xuat. Quy m6
cua cho vay d6i veil h0 san xuAt km hay nhe dirge the hien mot phlin boi s6 lucmg ho
san xuAt tham gia vay von ngan hang. HO san xuAt la d6'i ttrog co nhu ciu vay von
nhi8u, thtamg xuyen de tiers hanh diu to ski xuat theo phuong an dm ho nhim phat

trien kinh to hO san xuAt. Do do, s6 lugng h0 san xuAt co nhu eau vay v6n va duqc
Trang 7
ngan hang dap Ong ngay cang co xu hien gia tang. Day la mOt trong nhang yeu
to
dinh gia vi'ec me rOng cho vay hq san xuAt.
Ve
nganh nghi cho vay
Li vdi
hP son neat
Nganh nghe cua ho san xuAt lit yeu
t6
quan tong Anh hueng den quyet djnh cho
vay ho san xuAt cua ngan hang. Day la rinh vrc ma ho san xuAt se eau to de san xuAt
khi vay
von
ngan hang, ngan hang phai xem xit dO co phai la phuang an san xuAt kha
thi !thong,
de
tir do co ra quy'et djnh cho vay ho san xuAt hay thong. Viec da clang
ye
nganh nghe cho vay cling la
yeti t6
the hien viec cho vay ho san xuAt duqc me rOng,
khi cho vay da clang ve nginh nghe thi
s6 luqng ho san xuAt vay von
tang, doanh
so
cho vay ho san xuat cling tang. Deang thin, so da clang ve nganh nghe cho vay con Op
phAn giant nii ro tin ding cho nem hang, gap phiin nang cao chit luqng tin dung cho
ngan hang. Tir do, van de me tong cho vay h0 san xuAt cua ngfin hang mei duqc dam

bao thong nhang ve me rOng quy m6 ma con dam bao chit luqng cea hoat dOng cho
vay, gOp phan 'tang cao hieu qua cea heat dOng cho vay d6i vai ngan hang.
i4
doanh
so
cho vay va du
np doi
vdi hp sin xuat
Day la nhang chi tieu the hien viec cho vay ho san xuat da duqc me rOng hay
chua me rOng mOt cach chinh xac tuyet d6i. Doanh
s6
cho vay dti van ho san xuAt la
khoi luqng von ma ngan hang da cap cho cac h0 san xuAt vay de san xuAt, kinh doanh
trong mOt then ky nhAt dinh. Doanh sit cho vay tang hay giam
trvc tiep guy& djnh
den
quy mo cho vay h0 san xuAt da duqc me rOng hay chua. Day la mOt con s6 tuyet
doi
phin anh mOt each chinh xic ve quy m8 cho vay h0 san xuat cua ngan hang. Ben earth
do, do nq d6i yen ho san mitt cling IA mot con Si, the hien quy m6 cho vay ho san xuAt.
1.2.2. Sy cin thief phai md Ong hogt dPng cho vay doi vdi hp san xuat
Mans tang
twang nguan thu nh(ip cho ngan hang
Doi von cac nem hang thuang mai, viec giai ngan
ngu6n
vein huy dung de cho
vay chiem mot vai tre het sire quan tong, phin lam nguon thu nhAp cea ngan hang pho
thuOc vao hoot dOng nay. ChM vi voy viec me Ong host dOng cho vay doi von ho san
xuAt la mot yeu cAu cap thiet de ngfin hang co the duy tri va phat
trien,

dieu nay se Op
ph'An dem lai ngulin thu nhap khong nher cho ngan hang.
Nhdm giap ngan hang tang acing
mei
gnats he vdi khdch hang
Vei mei truing girth tranh hien nay, cac nem hang At chit tong trong viec quart
he yeti khich hang, nhAt la d6i vOi nhom khech hang mvc tieu, dieu nay nham giep cac
khich hang cam thAy an tam va thole mai khi giao dich vei ngan hang vi tranh twang
hqp khach hang thay doe ngan hang de giao djch. Viec me Ong hoot dOng cho vay d6i
veri ho san xuAt se di kern vai no la nhieu san phAm Bich vu, cac chuong trinh
Trang 8
Thang Long University Library
marketing, cac uu dai khi cho vay dieu nay giup cho ngan hang c6 the mer Ong
them nhieu khach hang man, ding vesi d6 11 that chat them mid quan he von nhi'rng
khach hang
Nhatn gidp ngdn hang thu hat drew nguan van tit khdch hang di vay
Ngulin von huy dOng tir din cu luon chitin phan Ian trong tong ngurin vim huy dOng
cua ngan hang, veri viec ma rOng hoat dOng cho vay dai veri hi) san xuAt, ngan hang co
the tao duqc uy tin dOng thai ma rOng pham vi khdch hang la cac hi) san xuAt. Dieu
nay riling thtri ding gin!) cho ngan hang co them nhieu co hOi de tiep can duqc ngutin
von tir khich hang.
1.2.3.
Cdc chi lieu think gill khd ndng ?no rang hog! dOng cho vay dai vii 110 son
xuAt ctia nein Wing duping mgi
Quy mO cho vay d6i veri hti san xuAt ma rOng hay khOng duqc bieu hien qua
nhieu chi tieu nhu: su tang tru?mg doanh s6 cho vay d6i veri ho
san xuat,
str tang
twang du nq dai veri ho san xuat, str tang twang so luqng ho san xuAt tham gia vay
von, so tang truerng thu nhap, mirc dq da dung h6a ngitnh nghe cua hi) san xuat va cac

chi tieu dank gia Idui Wang quill 19 riri cho vay cda ngan hang.
Sic tong truing doanh si cho vay dal viti hp sib; xuAt
Doanh so cho vay ho san xuAt cho hitt s6 luqng von ma ngan hang da giai ngan
cho cac h0 san xuAt vay trong mot thtri kjr, thutmg duqc quy dinh la mot nam. Doanh
so cho vay ding lern thi quy mO cho vay ho san xuAt tang 16n, thOng qua str tang
truing ve doanh
s6
cho vay h0 san xuat qua the nam to co the thAy duqc quy mo mer
rOng hoat eking cho vay ho san xuAt mot each toan dien. Tric do tang trutmg doanh s6
cho vay d6i voi WO san xuAt duqc tinh nhu sau:
T6c do tang twang

(Doanh
s6
nam tithe - Doanh so nam sau)
doanh
sO
cho vay

=

x 100%
hi) san xuAt

Doanh so nam truerc
Doanh sO cho vay ho san xuAt tang co the la do
s6 luqng ho san
xuAt tham gia
vay von tang hoac do mirc tin dung d6i yea
mai

no san
xuat
tang. Ben canh do con sir
dun chi tieu ttromg d6i la t9 tong doanh so cho vay ho san xuAt trong tong doanh
s6
cho vay elm ngan hang de phan imh vi tri quan tong dm cho vay 110 san xuat trong
hoat dOng cho vay cita ngan hang. T9 trong doanh
s6
cho vay dai von hi) san xuat duqc
tinh nhu sau:
T9 tong doanh sO

Doanh
s6
cho vay h0 san xuAt
cho vay ho san xuAt -

x 100%
Trang 9
Tong doanh so cho vay
Syr tong
Inning du
nix dai vai hp san
Du nq ho san xuat phan anh lugng
van
ma cac he san xuat can my tai met then
diem cu the dm ngan hang. Tong du nq thip phan anh chit lugng tin dung thip, !thong
thu but duqc nguei din den vay von. Mat khac, tong du nq cao thi chua chk chit
lugng cho vay da
tat

vi du nq cho vay con ti'em An nhthig nil ro tin dung. Do vay phai
xem xet du nq trong
mai quan ha
voi doanh
so"'
cho vay vl doanh s6 thu nq de co the
ket luan ve viec hoat dung mo rang cho vay d6i ved he san
xuat
co dam bao tinh an
man hay khong. Ben canh d6 veri viec ket hop cac chi tieu nhu no qua hen, lqi nhuan
do hoat deng cho vay ho san xuat to co the co duqc cai shin chinh xk ve
chit luting
hoat dung mer rang cho vay din vol ho san xuAt.
Ben canh do, chi tieu su tang truing du no di veri h0 san xuat la chi
tieu phial
anh su gia tang hay giam oh du
my ho san xuat. Talc da tang
truemg du no he san xuAt
duqc xac dinh nhu sau:
Tec de tang tnremg

(Du my nam sau — Du no nam truck)
du no he sin xuat =

x 100%
du no nam sau
T6c de tang truemg nay duang thi dm la du my ho san xuAt nam sau cao han nam
tnr6c, tirc la quy mo cho vay he san xuat dirk me rang tren ca so du nq. TOc de tang
tnreng nay cao chua hin da dart gia duqc toin be qua trinh mo tong hoat Ong cho
vay dOi WA he san xuAt dot hien qua cao.

Sr tong
truylng sá haying
hp
son xulit vay yin
S6 lugng he san xuAt tren dja ban la rat nhieu, thy nhien
so
ho c6 nhu cau vay
von
co kha rang tiep can &roc veri nguen vim ngin hang chi chiem met phan nh6
tong
so
de, nhieu ho chua vay
van
nem hang duqc do nhieu nguyen nhan khic nhau.
Quy mo met rang
so lugng
he san xuat Ion hay nhe la met chi tieu rat quan tong cho
thay hoat deng mo rang cho vay din veri he san xuat cua ngan hang da thut su !Nen
ngtred clan de ding han trong viec nip can ven
nguiin von
vay hay chua.
TOe de tang truing he san xuAt vay
van qua cac nam la
met chi tieu phan anh
quy m6 mar rang cho vay he san xuAt, the hien qua
so lacing he san xuat vay von
thay
461 qua cac nam. Con
so nay
duang chin to quy m8 hoot Ong m6 rang cho vay 46i

yeti he san =at da tang len vi nguqc lai.
T6c de tang truang

S6 HSX nam sau — S6 HSX nam truk
he san xuat vay
vein =

x 100%
SO
HSX nam truk
Trang 10
Thang Long University Library
TS/ tong ho san xuat da vay
von ngfin
hang tren tong s6 ho
san xuAt IA mOt chi
tieu phan anh quy m6 cho vay h0 san xuAt hien tai va the hien kha nang ma rOng cho
vay ho san xuAt trong thai gian tiep theo bing viec phat
men
cho vay doi vai nhang ho
san xuAt chua dugc vay vim ngan hang.
TS
,
trong ho san

HO san
xuAt da vay vein
xuat da vay vein
x 100%
fling

s6 h0 san xuAt
Sy. tang Owing doanh se; cho wry trung binh tren mpt hp san xuat :
Doanh so
cho vay trung binh tren mOt ho san xuAt la gia tri trung binh dm mon
vay ma
mOi
ho san xuat vay toi ngfin hang. Doanh s6 cho vay trung binh tren mOt hi)
san xuAt tang len dOng ngliia yeti viec nhu au vay vein dm ho san xuat tang len va cho
thy ngan hang da too dieu kien de
mOi
h0 san xuat co the vay duqc nhieu hon. Quy
mo cac Ichoin vay tang len ket hop yeti cac chi tieu danh gia nil ro cho vay se giup
chi:mg to dank gia dugc hoot dOng ma rOng cho vay
d6i
vol hi)
san xuAt
co dam bao
dugc tinh d6ng b0 ca ve
s6 itrcmg
va chit luqng hay khong.
T6c dO tang truOng

DS TB nam fru& — DSTB nam trtrac
doanh s6 cho vay TB =

x 100%
tren mOt ho san xuAt

DSTB
nam

truac
Thu nhpp tir cho vay hp san xutit
Ma rOng hoat dOng cho vay doi yeti ho san xuat kh8ng nhang an phat trien ve
quy ma ma con an tap trung vim chit luqng cua nhung khoan vay Cling vol cac chi
tieu phan anh quy mo ma rOng tren thi chi tieu thu nhap tir cho vay ho san
xuAt
IA mOt
chi tieu phial anh chit luqng ma rOng hoot dOng cho vay d6i yeti ho san xuAt cua ngfin
hang qua cac nam. Day IA mOt chi tieu rat quan tong vi moi hoot dOng cua ngan hang
thuang mai deu huang toi mvc dich cao nhAt de la lqi nhuan. Ben canh dO, so sanh chi
tieu nay d6ng thCri ding vol cac chi fieu 'chic ve du nq, tjr le
mat von
con danh gia
dugc viec me rOng hoat dOng cho vay doi vOi ho san
xuAt
co dot duqc chat Wong
tot
hay khong.
He
se
thu ncr cho vay

san
xuAt
HO
s6 thu nq cho biet doanh s6 thu
my
chiem bao nhieu phan tram so yeti doanh
s6 cho vay. He
s6

thu no phan anh trong mOt thbi ky, yeti doanh
s6
cho vay nhAt dinh
thi ngan hang thu ve duqc bao nhieu dog vein. He s6 thu nq cang cao thi thing to
hoot dOng cho vay d6i vol h0 san xuAt da han the duqc nhOng rei ro.
Trang 11
Hoat dOng ma reng cho vay dti veri he sin xuAt can dam bao v'e su phat trien ca
ve
quy m6 cho vay vi chit lugng tin dung. Ket hqp chi tieu he so thu nq ding cac chi
tieu khac nhu t9 l'e nq qua han, ty trich lap du phong riri ro cho vay,he so kha nang
ba dap nil ro cho vay dti veri he sin xuAt ta co the danh gia dugc chit lugng hoat
dung ma rang cho vay dti yeti ho sin xuAt caa nan hang. He so thu nq he sin xuAt
dugc tinh bang cong thirc:
Hg
s6

Doanh so thu nq
thu nq =

x 100%
Doanh so cho vay
Ty le ng grid hqn cr
.
& Iti5 son
xuAt
Day la chi tieu danh gia

ro tin dung cling nhu chit lugng tin dung cua cac
khoin vay dti veri he sin xuat tai ngan hang. Chi tieu nay cing
Ian

the hien chit lugng
tin dung dti veri he sin xuAt cing kern va
ngtrgc lai,
ket hqp ven cac chi tieu ttc de
tang twang doanh so vi so lugng ho vay von, ta co the danh gia boat Ong ma tong
cho vay
d61
veri ho sin xuAt co thac str dat hieu qui hay khong, ngin hang c6 kha ning
thu hti vim mia ngan hang dti veri the khoin vay cua ho sin xuAt hay kh8ng. Theo quy
dinh cfm NHNN hien nay chi tieu nay khong dugc vugt qua 3%, neu chi tieu nay vugt
qua 3% thi cho thAy hoat Ong cho vay dti veri ho sin xuAt dem lai tin ro Ian cho ngan
hang. T9 l'e nq qua han cua he sin xuat dugc tinh bing cong thirc sau.
T9 lg ng

Ng qui han ho sin xuat
qua han cua =

x 100%
ho
sin xuat

Du nq he' sin xuAt
Vbng quay win cho vay he sal: xuAt
Wong quay von cho vay ho sin xuat the hieu thc do luin chuyen the khan vay
ma ngin hang cap cho cac ho sin xuAt, ngoai ra chi tieu nay cho biet ngfin hang thu
dugc nq cua cac ho sin xuAt bao nhieu de ce the lai cho vay mai. Day la chi tieu quan
tong de Anti gia kha ning to chirc quart 19 win vay va hie'u qui tin dung trong viec
dip Cmg nhu ciu cua cac he sin xuat. Vong quay nay car% cao thi chfing to ngutn von
vay cua ngin hang di dugc luin chuyen nhanh, them gia vao nhieu chu Icy sin xuit,
gitip ngin hang

661
kiem chi phi, tao ra nhieu lqi nhuon cho ngin hang. Day la met chi
tieu quan tong danh gift khi ning yin 19 ngutin von cua ngan hang trong viec hoat
Ong ma reng cho vay doi veal he sin xuAt. yang quay vim cho vay he sin xuAt ducat
tinh bing cong thirc:
Wing quay

Du nq birth quin he sin xuAt
von cho vay
x 100%
Trang 12
Thang Long University Library
ho sin xuat

Doanh s6 thu nq ho sin
xuAt
1.3. Cie
nhin
to
ink hung den khi ning ma ling haat dOng cho vay dOi vai 60
sin xuat cfia ngin king thwung mai
Hoot dOng cho vay doi yeti ho sin xuat chlu inh huemg cua nhieu yeu
to, inh
huang den ca qui mo cho vay vi chit luqng cho vay hi)
sin xuAt.
Trong nhung nhin
t6
do bao ginn hai 'them nhan
t6 chu yeu la nhin t6
khich quan vi nhin

t6 chit quan.
1.3.1. Nhan to` chi quan
Nhiin
to
h0 sin add
D*c
firth dm ho inh huang truc tiep din nhu ciu ve vay von. Nhu
cAu ve von
cua
ho duqc xic djnh tren ca so phuong in sin xuat cua ho vi d61 tuqng sin xuat cita
Phuong in sin xuAt cua ho phii mang loi hiEu qui, phit hqp van chinh sich phit
trian
cOa
dja phtrcmg, sin xuAt theo phip lust. Th8ng thuang cic hi)
sin xuAt vay
vein de sin
xuat nhung trong mot so truong hop cu the thi ngin hang hart chi cho vay doi veri cic
ho sin xuAt kern hiEu qui, sin xuat nhOng mit hang co kha nAng tieu thy kern dem loi
thu nhip thip. Phuomg in sin xuAt cern h0 quyet djnh true tiep din nhu au vay vim
dm ho, tir d6 anh huang din hoot dung cho vay ho san xuAt cua ngfin hang. Nhung
khong phai bit cu ho nio ngin hang cfmg cho vay, ma con phu thuoc vio tai sin dim
bio cua ho, vao y thirc tri my dm ho. Diy la nhung yiu
t6 anti
huang din khi ning tri
nq cua h6
sin xuAt
khi den han tri hq nem hang, inh huang den chit luqng hoot &Ong
cho vay ho sin xuat cis ngin hang, giy rui ro cho ngfin hang khi ho san xuAt co tinh
khOng tra my, ter do inh hueng 16n din kha ming ma rung cho vay ho sin
xuAt

trong
thai gian ten cua ngin hang. Bin thin h0 sin xuat co AM huang den hoot dung cho vay
cua ngin hang Ichong chi 6 quy met cho vay ma con a chit luqng cho vay. Nhu au cita
cic ho ve sin xuAt trong nhung 11nh Arc nhAt djnh
quyet
djnh din quy mo vay
von
cila
cic ho, dung thai quyit djnh den doanh so cho vay ho sin xuAt cua ngin hang. Sau khi
cho vay thi tinh thin to giic cua My, nhin thirc cia ho vi tai sin dim bio cua ho co
inh huang den chit lucmg cua cho vay, inh htremg den quy mo cho vay lin sau coa
ngin hing. C6 the n6i, bin thin hi) sin xuat co nhieu inh huang den khi ning mo
rung hoot dOng cho vay cua ngin hang.
Nhin
t6
nOi tai cfia ngin hing thmmg mai
Ben canh nhin to chit quan la cic h0 sin xuat thi trong cho vay ho sin xuAt cung
can nhan
to chit quan het suc quan
trong, d6 li bin thin ngan hang cho vay. Chinh cic
chinh sich trong cho vay ho sin
xuAt
ciut ngin Ming AM huang truc dip vi rat
tem
din
quy m6 vi chit luqng cho vay ho sin xuat cua minh.
Trang
13
Chink sach lai suet
Chinh sach !Ai suit cho vay 461 vein he sin xuAt la met trong nhang chinh sach

quy&
djnh true tiep den nhu
cAu vay von
dui the he. Lai suit ma cao qua thi cac he se
khong tiep can duqc yen nguen
von
cia ngan hang. Lai suit ma thip qua thi hoot dOng
cia ngin hang kern hieu qua, Ida nang sinh Itri thip. Do d6, ngan hang phai co chinh
sach xac djnh mire lai suit cho vay ho san xuat hqp ly de ca the tang kha nang cho
vay, thu hat cac ho san xuAt co nhu cau vay vein den ngan hang vay vein.
Chink sdch phtit trim hoist (king cho vay doi vai Ni
t stirs xuat
Ck chinh sach phat
trien
cia ngan hang ding anh huOng den quy me cia cho
vay ho san xuat. Mai ngan hang deu co nheng djnh hueng phat then, xac djnh Ichich
hang mqc tieu cho rieng minh. Neu muc tieu khong phai IA thj trifling nong then,
khach hang kh6ng phai la cac he san xuAt thi cac ho san xuat kh6 co the tiep can duqc
ngutn vein dm ngan hang. Neu ngan hang coi tong thj tnrong ding th6n la muc tieu
chd yeu, khach hang chi yeu IA cac ho sin xuAt thi ngfin hang luon luon uu tien phat
trien kinh to ho sin xuAt nhe d6 ma chinh sach cho vay he san
xuat
mei phat
then,
quy
mo cho vay he san xuat meri ma rung.
Nguan van huy dQng cut, nein hang
Khong chi co cac chinh sach phat trien cho vay man anti hutng den quy me cho
vay ho san xuAt ma de ca the ma reng cho vay thi doi hoi ngin hang phai c6 nguen
vein Ian, c6 kha nang dap irng nhu cau vay vein cia cac he san

xuat bAt cir
khi nao the
he co nhu cau vay. DE co duqc nguen
vein lam
thi ngfin hang ding phai c6 cac chinh
sach nhim thu hit
von gai vac) ngan
hang, thu hilt met khei luqng tien de c6 the dap
Ong duk nhu
cAu vay von ciaa cac ho
khi ho co nhu cau. Ngoai viec quan tam den
khei luqng von huy dOng, ngan hang con an quan tam den then han tien guff va then
han tin dung, de co the cho vay ma
van
dip
img kha nang thanh town khi den theri han
tien giri khach hang den rut tien. Ngan hang phai chi deng trong viec chuyen hoan kSr
han giaa then han tin dung va than han girl tien. Neu nguen tien girl
chi, yeti la
ngin
han thi ngfin hang Ich6 dap Ung duqc nhu au vay dai han cua cac ho san xuat, vi no
inh huerng den kha nang thanh khoan cua ngan hang.
Hoyt ding marketing
De thut hien
tot
cac chinh sach phat trien cda ngfin hang va chinh sach huy dOng
vent
thi ngan hang phai Hwy hien Mt chinh sach Marketing ngfin hang, gieri thieu cho
cac he sin
xuAt ve

ngin hang minh. De cac he san xuAt hitt' them ve ngan hang, giffp
hq Met ve cac hinh thirc cho vay, dui tqc, diEu kien vay yen, de hq co the tiep can veri
ngutn yen cua
ngfin hang.
Trang
14
Thang Long University Library
Co'
so 41 chat ctia ngan king
Cimg veri cac chInh sich phat trien ngan hang thi co sir vat chat dia ngan hang,
dei nge can b0 tin dung cua ngan hang cung c6 anh huemg den hoat deng cho vay he
san xuAt. Co ser vat chAt
ky
thuat de la mang Itreri rang lam thuan tien cho khich hang
giao djch, giam chi phi tin dung va thu het nhieu khich hang hen. Mang lueri chi
nhanh thuan tien, cac ho sin xuAt c6 the de" &mg tiep xuc veri chi phi thap nhAt thi se
thu but cac he sin xuat c6 nhu cAu vay vein den veri ngan hang nhieu hon.
Nang Ific cda cdn bQ fin dyng
DOi ngu can be tin dung la nguti truc flap, tiep Vic veri cac ho sari xuAt, hq la
ngutri true tiep thim djnh tai sin dm he va phuong in sin xuAt dia he c6 tinh kha thi
hay khong de cho vay. Deng then, can be tin dung ding la ngu&i giup der the ho
sat
xuAt lam h6 so vay van, giai thich cho he hieu thu laic vay von. DOi ngii nay ma c6
trinh de, c6 kinh nghiem thi hoot dOng cho vay he sin xuAt se phat trien dugc ci quy
mo va chat luong, dem lai hieu qua cho hoat dOng cua ngan hang.
1.3.2. Nhung nhan khdch quan
Nhang than t6 khach quan la nhfrng than t6 thu6c ve moi trutmg xung quanh
tutu : moi truong kinh to , moi twang phip ly, moi trubng to nhien xa hoi.
Mai truung kinh ti
Tinh hinh kinh to tai dja phuong ca Jut hieing lern den hoat deng cho vay he sin

xuat. Kinh to a< dja phuong the hien met phAn kinh to cua cac ho sin xuAt va xu huerng
phat then cua cac he. M8i trutmg kinh to ma chain phat trien, kinh to chi tap trung
trong met s6 nginh nghe nhAt djnh thi kinh to he sin xuAt ding kern phat trien. Cic he
sin xuAt khong c6 nhu cAu ve yen de du to vao sin xuAt do nhu cau cua thi trueng
khong dap img dugc, neu sin xuAt 0 thieu nhieu yeu t6 ke ca dau vao lin dAu ra cho
sin phim. Khi de cac ngfin hang se kh8ng the mar rang hoat dOng cho vay dei veri cac
he san xuAt dugc. Mat khac, kinh to cua dja phuang ma phat trien, tao co h6i phat trien
cho nhieu nginh nghe, thi twang phong phu ca ve nguyen lieu cho sin xuAt !An du
moi lieu thu sin pham. Clic he sin xuat c6 nhi'Au phuong in sin xuat mang tinh kha thi
hen, kinh to dm he sin xuat khAm kha ham dm den nhu cAu dAu to vao sin xuat
cua
cac hi) sin xuAt se nhieu len, del h6i nhu cAu ve von nhieu. Chinh vi the ma ngan hang
0
mar rang dugc qui mo cho vay he sin xuat, &mg died chit luong dia cac khoan cho
vay ding dugc tang len khi kinh to hi) sin xuAt phat trien cimg veri su phat trien dia
kinh to cua dia phuong.
Mai triton phdp
iy
Trang 15
Bat dr mot hog dOng san xuAt kinh doanh nao ding dei hen phai hog dOng dva
tren mot co so phap ly that djnh theo qui dish cua nha nuerc. Hog d'Ong cua ngan hang
ding king phai ngoai le, ngan hang la mot loai hinh doanh nghiep dac bi'et, hoat dOng
elm no la kinh doanh tien tg, 17th viec nay het sue nhay cam vii sv phat trim cua nen
kinh te. Do de hog dOng cua no chju sir quan 1y nghiem ngat cua nha nuerc thong qua
NHNN. NIINN dua ra cac quy djnh, chinh sach nh8m phat then he thong ngin hang
mot each yang manh, de gip phAn phat trien nen kinh to &At ntroc. Trong cac chinh
sach phat trim thi hoat dOng cho vay cua ngan hang duqc nha nuerc ch6 frog dk biet
beri day la mot trong nhang hog dOng sinh Iii cho ngan hang. Hoat dOng cho vay cua
ngan hang rat da dang, phong phu nhtmg mot trong nhUng float tong do c6 anh hung
lot den sv phat then cua thanh phin kinh to h0 trong nen kinh to thi twang nhieu

thanh phai, do la cho vay he) san xuAt. Cho vay h0 san xuat coy nghla quan trong
trong viec phat then kinh to he). NHNN c6 chinh sach uu dai nhim phat trim cho vay
h0 san xuAt de phat trim kinh 4 dm cac ho san xuat trong xa hOi, tir de phat then kinh
to cua xa hOi. Ding thai yeti cac chinh sach cua nein hang thi Chinh phil va cac co
quan chinh quyen dja phtrang ding tao dieu kien cac h0 san xuAt co the tien hanh
san xuAt, vay von ngan hang mot each thuan den nhim phat then kinh to h0 san xuAt.
MOi mot chinh sach cua NHNN, Chinh phu ve viec phat then kinh 4 ho san xuAt deu
anh hang den hoat dOng cho vay ho san xuat cua cac ngan hang, guy& djnh den quy
mo cho vay h0 san xuAt.
Mili truitng nhien
Cac h0 san xuAt o nu& ta thuerng san xuAt trong nth vve 'long nghiep, day la
tinh vltc sari xuAt phv thuOc nhieu vao dieu kien to nhien. Neu dieu Wen Ai nhien
king thuan lqi thi san xuat cua cac he king hieu qua, lqi nhuan khOng cao, nhu cau
vay von de dau to san xuAt king cao. Neu dieu kien AT nhien thuan Lori, san xuat trong
nong nghiep dat hieu qua cao thi kich thich the ho san xuat dap Cmg nhu cAu cua cac
h0. Trong qua trinh san xuat cua cac h0 ding co the Op phii riri ro khi co thien tai xay
ra va anh hang den kha nang tra nq cua cac h1). Tit do chat luryng cho vay h0 san xuat
cua ngan hang bj giam xtiOng, t9 nq xAu cao, anh hang den hoat dOng mer King cho
vay h0 san xuAt cua ngan hang. CO the not day ding la yeu t6 anh hung lot den sv
phat trim cua kith to h0 san xuAt, d4c biet la the hi) san xuat On nu& ta, khi san xuAt
cua
hq chu yeu la trong 11th we noting nghi'ep, sv thanh cling hay that bai cua qua trinh
san xuAt phv thuk nhieu vio dieu kien tv nhien. Khi ne anh hang den kinh to dm h0
san xuat thi no ding anh hang den nhu cat' vay von ctia cac h0 san xuAt, tir d6 anh
hang den hoat dOng cho vay h0 san xuat dui nein hang.
Vim
a
chinh 14, xi hill
Trang 16
Thang Long University Library

Nb€kng
yeu toS bien
&Ong tieu cot ve chinh trl, xa hal c6 anh huerng tai hoat clang
san xuat, kinh doanh cim cac ha san xuat, gay ra MI6 khan trong viec hoan van, tra lai
lam thay dai mire da rui ro din hei nha quan trj phai danh gia loi rai ro cua hoat dang
cho vay va c6 nhOng bien phap quart trj phir hop.
CS
cac }dm we yang nOng than va
trinh da din tri chua duqc cao, bj kith clang ben nhung
yeu t6
chinh trj, xa hal, dieu
nay c6 anh huang tai nhang chinh sach ve hoat clang cho vay cua ngan hang. Nhieu
dai tuqng thuac dien ngheo nhung khong c6 kha fling va trinh da san xuat, nen viec
theo dOi, trq qua trinh sir ding van cua khach hang con gap nhieu khe khan vi vay
kha nang ma rang hoot clang cho vay dal vai cac
doi prang nay op rat
nhieu tra ngai.
KET LU4N CHUONG 1
Trong chtrcmg 1, khaa luan da nghien cum nhang van de ca ban ve cho vay ha
san
xuAt va
ma rang boat &Ong cho vay dal vai ha san
xuAt. Cu
the, chuong 1 da giim
chi:mg to co mat cai nhin tang quit ve khai niem, dac diem cling nhu nhUng vai fro ma
hoat clang cho vay ha
san xuAt mang lai.
Day la co ser de Boa Juan tiep toe nghien elm
thqc trong ma rang hoat clang cho vay den vai hi?
' san

xuAt tai
Ngan hang Nang nghi'ep
va Phat trim Nang th8n Viet Nam — chi nhimh huyen Hoii Due trong chuong 2.
Trang 17
CHUONG 2. THVC TWIG HOAT HONG CHO VAY DOI VOI HQ SAN
XUAT TAI NGAN HANG NONG NGHI$P VA PHAT TRIEN NONG THON
VIET NAM — CHI NHANH HUY€N HOAI
Dec
2.1. Ding quan ve NOM hang Nong Nghitp va Phit Then Meng then Vitt Nam —
chi nhanh huytn Mai Dec
2.1.1. Vai nit vi Ngfin hang Nang Nghifp va PSI Triin Nang then Vitt Nam
NHNo&PTNT Viet Nam la ngan hang 16
.
n nhat Viet Nam ca ve
von,
tai san, dpi
ngii can by nhan vien, mang lueri hoat dOng va
so
lucmg khich hang. Tinh den
31/12/2014, vi the din
du cua
NHNo&PTNT Viet Nam lain ducm khing djnh ved tren
nhieu phucrng dien:
-
-
Ding tai sin: 762.869 t5
,
ding.
- Tong ngtiOn von: 690.191 t5
,

ding.
- Von diet% le: 29.605 t5
,
ding.
- TOng du no: tren 605.324 t5
,
ding.
- Mang lueri hoat dOng: gAn 2.300 chi nhanh vi phong giao dich tren
wan qutc,
Chi
nhanh campuchia.
- Nhan so: gat 40.000 can b0, nhan vien.
NHNo&PTNT Viet Nam Ition chti tong
dAu to 461
men vi (mg dong ding nghe
ngan hang phvc
v4
dic lye
cho cong tac quan trj kink doanh vi phat then mang Itren
dich vv ngtm hang tien tien. NHNo&PTNT Viet Nam Ii ngan hang
dAu
tien hoan
thanh Do an Hien dai hem he thong thanh toan va Ice town khkh hang (IPCAS) do
Ngan hang The gi6i tai fro. Vol he thEng IPCAS dA dtrqc hoin thien, NHNo&PTNT
Viet Nam du nAng lye cung img cac sin phAm, dich vv ngan hang hien dai, veri de an
town va chinh xac cao den mcd 4:161 Wong khkh hang trong va ngoai nuem. Hien nay,
NHNo&PTNT Viet Nam dang c6 hang trieu khach hang la h0 san
xuAt,
hang chvc
ngan khich hang la doanh nghiep.

NHNo&PTNT Viet Nam la mOt trong
so cac
ngin hang c6 quan
114
ngfin hang
dai ly lem nhAt Viet Nam vol tren 1.000 nem hang dai 15
,
tai
gat' 100 qutc gia va vitt%
lath, 016.
NHNo&PTNT Viet Nam la Chu tjch Hiep hoi Tin dtmg Wag nghiep Nang them
Chau
A
Thai Binh Dtrcmg (APRACA) nhie'm IcY 2008 - 2010, la that'll vien Hiep hed
Tin dung Nang nghiep Quhc to (CICA) vi Hiep hed Ngan hang Chau
A
(ABA); dAng
cai
t6
chirc nhieu hen nghi guise
to
lern nhu: 1101 nghj FAO vao nam 1991, MN nghj
Trang 18
Thang Long University Library
APRACA vao nam 1996 va nam 2004, Hiji nghj tin dung nong nghiep quoc to CICA
vao nam 2001, Hiji nghj APRACA ye thuy san vao nam 2002
NIINo&PTNT Viet Nam la ngan hang hang Au tai Viet Nam trong viec tiep
nhan va trim khai cac dv an nuOc ngoai. Trong bei earth kinh
to
din bien phut tap,

NHNo&PTNT Viet Nam vin duce cac
t6
chac
(lute to
nhu Ngan hang the girth (WB),
Ngan hang Phat trim chau
A
(ADB), Co quan phat
trim
Phap (MD), Ngin hang Diu
tu chau
Au
(EIB) tin nhiem, fly that
then
khai tren 123 dv an vita tong
s6 von tiep
nhan dat
tren 5,8 ty USD. Agribank khong ngimg
tier)
can, thu but cac dv an mei: Hqp
d6ng tai trq veri Ngan hang Diu tu chau Au (EIB) giai doan II; Dv an tai chinh nong
them III (WB); Du an Biogas (ADB); Dv in JIBIC (Nhat Ban); Dv In phat trien cao su
tieu di'en (MD) v.v
Ben canh nhiem vv kinh doanh, NHNo&PTNT Viet Nam con the hien troth
nhiem xa hOi cua mOt doanh nghiep lan vhi su nghiep An sinh xa hOi cna dal nuerc.
Thvc hien Nghi
guy&
30a/2008/NQ-CP cua Chinh phu ve chuong trinh ho trq gram
ngheo nhanh va ben Wing 461 voi 61 huyen ngheo thuoc 20 tinh, NHNo&PTNT Viet
Nam

da
trim
khai 116 trq 160 ty dong cho hai huyen Muting Ang va Tiva Chaa thuOc
tinh Dien Bien. Sau khi ban giao 2.188 nha a cho nguari ngheo vao 2009, thing 8/2010
NHNo&PTNT Viet Nam tiep We ban giao 41 khu nha a veri 329 phong, 40 khu ye
sinh, 40
h6
thong cap nu6c, 40 nha bep, 9.000m2 san
be
tong, trang thiet bj phvc vv
sinh hoat cho 38 truang hgc tren dja ban hai huyen nay. Ben canh 46, NHNo&PTNT
Viet Nam ung hi) xay dung nha tinh nghia, nha dal doan lc& tai nhieu dia phuong tren
ca nuac;
tang s6
Wet kiem cho cac cvu nu thanh nien xung phong co hob canh kh6
khan; tai trq kinh phi
m6
tim cho the em nho bj benh tim bim sinh; tai trq kinh phi xay
chmg Benh vien ung birth' khu vvc mien Trung; ton tao, tu b6 cac Di tich lich sir quiic
gia. Hang nam, can bij, vien chat trong toan he thOng (Jong gap 04 ngay lucmg ung h0
Quy den on dap nghia, Quy Ngay vi ngutri ngheo, Quy Bao trq tre em Viet Nam, Quy
tinh nghia nganh ngan hang. SO tien NHNo&PTNT Viet Nam dung gap cho cac hoat
dijng xa hsi tir thien vi cong dting tang don qua cac nam, rieng nam 2011 len tai 200 ty
nam 2012 la 333 ty' dting, nam 2013 tren 400 ty clang, nam 2014
g An
300 ty
ding.
Vei nhftng thanh tvu dat dirge, vao dfing dip Icy niem 21 nam ngly thanh lap
(26/3/1988 - 26/3/2009), NliNo&PTNT Viet Nam vinh dv dugc den T6ng Bi thu toi
tham va lam viec. TOng Bi thu bleu &rang nhang dang gap quan tong dm

NFINo&PTNT Viet Nam va nhan manh nhiem Ai elm NHNo&PTNT Viet Nam 46 la
quan triet sou sic, thvc hien
tot
nhat Nghi quy'e't 26-NQ/TW theo huOng "Doi mai
Trang 19
matt me co ch
.
& chinh sash de huy dong cao the ngu8n luc, phat trier' kinh to nong
thOn, nang cao dit song vat chat va tinh thin dm nong dan".
Val vi the la Ngan hang thtrong mai — Dinh che tat chinh lin nhat Viet Nam,
Agribank da, clang Ithong ngirng n8 lye, Oat dirge nhiEu thanh tin Clang khich le, thing
g6p to lin vio str nghiep phat trier' va hoi nhap vii quit to etia dat nuere.
2.1.2. Qua trinh hinh thank va phat trier' cua Ngfin hang Ming Nghiep Va Phat
Min Nang then Viet Nam - chi nhanh huyen Hold Dar
Ten day di: Ngan Hang Wing nghi'ep va Phat thin Ming them Viet Nam — chi Minh
huyen Hoai Dire
Ten viec tat: Agribank huyen Hoii Dire
Dia chi: Thi tin Tram tan — Huyen Hoai Dire — Tharth Ph6 Ha NOi
Dien thoai : 0433861210
Website: www.Aaribank.com.vn

Hoii Dire la mOt ving dOng bang song Day, phia Bic giap huyen Dan Phucmg,
phia Tay giap huyen Tam Hiep, phia nam giap huyen Quit Oai, each thanh phi) Ha
Deng 22 km vE hying dong Bic, each trung tam thi do Ha NOi gin 20 km vE huing
tong.
Nam 6 vi tri phia thy trung tam Ha NOi vii rat nhieu tic cluing giao thOng quan
tong chay qua nhu: Qu6c 10 32, dtrong cao toe Lang — Hoa Lac, nhang tuyen cluing
chinh n6i liEn Hoai Dire vii Thit do Ha NOi; clutch) 21A - diem kited d'au tuyen cluing
HO Chi Mirth nOi Hoai Dire vii cac tinh phia tay bL; tinh 10 80, 84 not trung tam
huyen vii cac huyen ban trong tinh, Holi Dire co vi the het sire thuan lqi cho viec

giao luu phat
trier'
kinh te, thucmg mai.
Dac biet, vii viec hinh thanh cac khu cong nghiep Kim Chung, khu do thi
Hachico, khu Dai hqc Thanh DO,
Thi trim
Tram Troi, cong cac aim diem cong nghiep
Phimg, Lai Xa, ten dia ban, huyen Hoai Dire clang ter thanh nai co to
t
c dO phat trier'
cong nght'ep sot dOng !that trong toan vimg. Day chinh la the math Mo sire hip clan lin
cho huyen trong vice thu hit cac du an dau to vio host dOng trong tuong lai khong xa.
Vii he tiding ling nghE phong phi, da ding (35/54 ling ngha, trong dO co 8 ling
duqc cong nhin la ling nghe truyen thing) co be day truyen thOng hang tram nam nay
va
n6i tieng
ea nu& nhu: lang ky nghe 46 they San Dting, ling co kim khi Kim Chung;
lang
mien
Ducmg Lieu, Hoai Dire duce danh gia rat co tiEm fling de phat then cac
nganh ngh'E cong nghiep — tieu dal cong nghiep. Cling vii lye lucmg lao dOng din dao
clang timg buck
del:, can
vii ky thuat san xuat hien dai, day se la nhan
tó quyet
dinh de
Trang 20
Thang Long University Library
huyen phat
trien

ding nghiep — tieu thu ding nghiep — thanh ngfinh kinh to mei nhgn
theo nhu chit twang Nghj
guy& Dal hOi
Ding bo huyen fan thir XX da de ra.
Ngoai ra, eitng yeti cac danh lam thing earth, cac di tich van hoa Lich su, Hoii
Dire con co tiem nang phat trien manh du ljch — djch vu.
Trong nhitng nam gin day, thuc hien muc tieu djnh htremg cua thanh ph6 la top
trung phat trien cac tang nghe truyen thong, NHNo&PTNT Via Nam — chi nhanh
huyen Hoai Dire da h6 trg su phat thin cac ling nghe, dOc biet la cac ho
sin xuat.
NM:
do be mat kinh to cim huyen da co nheng kheri sic re ret,
kinh to
phat trien, dtd song
nhan clan dugc nang len.
NHNo&PTNT Viet Nam- chi nhanh huyen Hoai Dire - true thutic Ngin hang
Meng nghiep va Phat trien Meng them Via Nam thanh lip theo Quyet dinh 67/QD-
NH5 ngay 27 thing 03 nam 1993 la met trong nhting chi nhanh eau ti'en cim Ngfin
hang N8ng nghiep vi Phat trien NOng them Viet Nam dirge thanh lip nhim ma rOng
pham vi host dOng, nang cao nang Luc canh tranh va dap img nhu eau phat
trien
kinh
to
tren ilia ban tinh HA Tay (cu) not chung vi huyen Hoai Dirc not rieng.
NHNo&PTNT Via Nam huyen Hoai Dirc luon co nhOng hoat dong tich cue
trong viec ca eau lai NI may quart 15 cling nhu cac phong ban trong nhtmg nam vim
qua. Hien nay, vii met
t6
chirc hqp H, ngfin hang tip trung vao viec phat huy vai tro va
nang lye cua timg b0 phon ming nhu tong ca nhan trong via this day

hog
dOng cim
ngfin hang ngay tang phat
then. Doi
nge can bij dirge tre hoa vi c6 trinh El0 chuyen
mon cao, nghiep vu chuyen sau.
Trong nhieu nam qua chi nhanh Won dirge tang thuemg nhieu phfin thuemg cao
qu5
,
nhu Huan chuong lao ding hang ba cho top the va ca nhan; Bang khen cim Thu
Wang Chinh phit; bang khen elm thong doe NHNN; bang khen cim UBND thanh ph6;
bang khen cim Dfing cOng sin Viet Nam
2.2. Ca au
to
chin cilia can Nein Wing Nang Nghitp Vi Phit Train Nang then —
chi nhanh huytn Hold Dire
Cho den nay,
king s6 can b0
tong nhan vien cim chi nhanh
g6m
c6 55 ngtrai. Bao
glim 6 phong nghiep vu, 1 ban giam dec. S6 hqp deing lao ding ma ceing ty k5
,
k'et
trong hcm 1 nam la 12 hap deng, hqp dang ngin han la 3 ngutd.
BO may quail 15
,
dm NHNo&PTNT Via Nam — chi nhanh huyen Hofii Dire dirge
the hien qua sa
sau:

Trang 21
Ban giant d6c
IChti kinh
doanh
Phong tin
dung
Phong
KDNH
Kh6i tic
miner,
Phan KT
ngtui qu9
Phong KT
noi be
d
1Chti NI trq
Phong
KHTH

-I
Phong
HCNS

Phong Giao
dich
So da 2.1. Co cau to char ciza NHNo&PTNT Viet Nam - chi nhcinh Huyen Hold Dzic
(Nguan: Phong himh chinh nhan sy)
Chit thich:
Ban giam dtc: Bao Om 1 giam &Se va 1 ph6 giam d6c
Phong KHNH: PhOng kinh doanh ngoai hti

Phong HCNS: Phong hanh chinh nhan stir
Phi:mg GD: Phi:mg giao dich,
s6
luqng: 03 phong giao dich tren town huyen
Phong KT ngan quy: Phong ke toan nein quy
Phong KHTH: Phong ke hooch tong hqp
Phong KT noi bp: phong kiEm tra nti b0
Vai tro va nhiem vu czia cac phong ban
Phbng tin dyng
PhOng tin dung c6 nhiem
vu
chinh la tnic tiep awe hien nghiep via tin dung theo
pham vi duqc phan cong va theo dimg phap quy va cfic quy trinh tin dung dti yeti mai
khich hang va thvc hien cac bin phap phit trien tin dung, dam bao an toan, hieu qua,
dam bao quyEn lqi cua ngfin hang trong hoot dOng tin dung, gOp phin phat teen bEn
yang, an toan, hieu qua tin dung cita toan chi nhanh.
Ben colt d6, phong tin dung con chill trach nhiem Marketing tin dung nhim dap
Ong sv hal long cita Ichich hang, to van cho khach hang sir dung san pham tin dung,
Trang 22
Thang Long University Library
dich vu va cac vAn de khac c6 lien quan, ph6 bien htremg din, giai dap thic mac cfia
khach hang ve cac quy dinh, quy trinh tin citing, dich vu cua Ngan hang.
Pheng ke loan ngan qui
Pheng ke toan ngin quy la not trite tiep hach toan thong ke va thanh toan theo
quy dinh cua NHNN, NHNo&PTNT Viet Nam. Nhiem vu chinh cita phong ke toan
ngan quy la xay chmg chi tieu ke hoach tai chinh, quyet toan Ice hoach, chi tai chink,
quy tien lucmg doi veri cac chi nhanh ten dia ban trinh ngan hang nong nghiep cap tren
phe duyet.
Ngoai ra Phong ke toan ngan quy can la ncri quan 11 va sir ding cac quy chuyen
thing theo quy dinh cua NHNo&PTNT Viet Nam tren dia ban, dOng thai nhan vien ke

toan phai tong hqp, Itru
tra h6
so tai lieu ve hoach toan ke toan, guy& toan va cac bao
cao theo lust dinh.
Phbng ke howls tang kw
Phong ke hoach tong hqp la diu m6i quilt 15
,
thong tin ve ke hoach phat trien,
tinh hinh thoc hien ke hoach, thong tin kinh te, thong tin phang ngira rai ro tin dung,
thong tin ve nguan v6n va huy Ong v6n, th6ng tin khach hang theo quy dinh.
Nhiem vu chinh cua phOng ke hoach ding hop la thy dung cac chinh sach
marketing, chinh sach phat trial dich vu cila chi nhanh, ke hoach phat trien mpg Itrai
va cac kenh phin ph6i san phim va cac thong tin phin hoi cua khach hang sau d6 de
xuAt cho ban giam 46c, qua 46 ban giam 46c se xet duyet giao ke hoach cho cac don vi
trong chi nhanh.
Phbng kiln, tra nQi 141
Phong kiem tra nOi b0 cog trach nhiem kiim tra viec chip hanh quy the dieu hanh
cua giam cl6c chi nhanh d6i vai cac phang, cac t6 dm chi nhanh, cling voi d6 la thirc
hien giam sat dOc lop viec tub thO cac chuin mitt ke toan va quy dinh cua nha nu&
va cua ngan hang trong qua trinh Ig'p bac, cao quytt toan, bao cao Gal chinh dm chi
nhanh.
Sau do truang be phgn se bao cao gitun 46c chi nhanh, giam d6c ban kiem tra nOi
bo va cac to chirc khac theo quy dinh ve kit qua giam sat, kiln nghi bien phap ngan
ngira nii ro, khic phuc nhftng sai x6t, vi pham da dtrqc phat hien qua giam sat hog
dOng va kiem tra troc tiep.
Phbng kinh doanh ngogi hat
Pheng kinh doanh ngoai h6i se thoc hien cac nghiep vu kinh doanh ngogi to
(mua, ban, chuyen 461) thanh toan quite to trrc tiep theo quy dinh, thoc hien dog tic
thanh toan quik to thong qua mang SWIFT, thoc hien cac nghiep vu tin dung, bao lanh
Trang 23

ngoai te co lien quan den thanh than
quee te,
thvc hien cac dich vu kieu heti va chuyen
tiEn, ma tai khoitn khach hang nuec ngoai.
Phbng hank chink nhfin sv
Pheng hanh chinh nhan so IA not thy Ming twang trinh tong tic hang thing, quy
cila chi nhanh, va co trach nhiem thuemg xuyen don d6c viec thvc hien chuong trinh
da dirge giam d8c chi nhanh phe duyet.
Trong qua trinh hoat tong va phat Wien dm mirth, NHNo&PTNT Viet Nam — chi
nhanh huyen Hoai Dire da kh6ng ngimg doi meri vE co
eau t6
chirc, mpg lueri cac
phong ban nham dam bao hoot dOng dm chi nhanh doge dien ra thuan lqi nhat.
2.2.1. Gic hogt eking chink cilia cao Nglin hang Nfing nghifp va Ph& triin Ming
than — chi nhdnh hag& Hoai Dar
Veri vai tr6 la mOt
t6
chat tin dong, NHNo&PTNT Viet Nam — chi nhanh huyen
Hoai Due co nhdrig hoat dOng chu
yeu
sau:
Huy dOng

hoat dong nay vim nhieu hinh thirc huy dOng, bao g6m tiEn gui
co ky han (ngan han, trung han, va dai han) va khong Icy han cua cac
t6
chirc kinh
to
va
ca nhan tren dia bin huyen hoac cac vang Ian can.

Cho vay: Day la hoot dOng chinh va ding IA hoat dOng mang lai lqi nhuan chit
yeu cho ngan hang trong co cau cac khoan doanh thu. Ngan hang cung cap nhiEu dich
vp cho vay vai tong loai 461 tuqng khac nhau, vai mire lai suit dao dOng trong khoang
Ur 7% den 12,5%. Cac 461 arcing sin xuat nong nghiep thuoc then dirge tru dai lai suit
cho vay cua ngan hang.
The va nein hang dien tilt Nhu au giao dich bang the va ngan hang Chen tir tai
dia ban chua thrc str cao, c16i tugng phut vp chit yeu cua dich vu nay la cac vien chirc
nha
nuem
co nhu
cAu nit tien Luang
duqc thanh toan qua tai khoin ngan hang. Dich vii
mobibanking cling duqc ap ding nhim vio cac d6i tugng tren. Ngan hang cling co
nhieu dqt phat hAnh the nhim muc dich nang cao nhan dien thuong hieu, tiep can thi
truang, danh vao nhu
cAu tiem An trong tuong lai cua
khach hang. Hoat dOng nay co
thu phi dich vu vi cling dem lai lqi nhuan cho ngan hang.
Dick vy nem quy:
bao gam
each nghiep vp mua, ban ngoai te, chimg tir co
thvc hien cac uy nhiem thu, uy nhiem chi bang VND hoac ngoai g.
NHNo&PTNT Viet Nam — chi nhanh huyen Holt Dim cung cap day di' cac dich
vp tai chinh, dip ling
tin
da cac nhu eau caa
t6
chirc kinh
te
,ca nhan tren dia ban. Hoat

dOng cho vay II hoat dOng dem Itti lqi nhuan chu
yeu
cho ngan hang.
Trang 24
Thang Long University Library
2.3. Wet quit host dijng kinh doanh ciia Nein hang Ming nghitp VA Phat Lien
Nang than — Chi nhanh huyen Hohi Dirt giai doan 2012 - 2014
2.3.1. link kink hay Ong von
CO the not host ding huy deng yen la host dOng quan tong 461 von hoot dOng
cfm tat ca cac ngan hang not chung va NHNo&PTNT Viet Nam — chi nhanh huyen
Hoai Due not rieng. Ngan hang la t6 chirc di vay de cho vay, la cong co km chuyen
von tir ncri thira vein sang noi thieu von do vay huy dOng vein &up ngan hang co van de
cho vay, tan dung duqc nguon yen nhan rot trong dan cu.
Nam bit dirge dieu cot lOi nay, lanh dao NHNo&PTNT Viet Nam — chi nhanh
huyen Hoai Due da c6 nhieu bin phap de thu but nguon vein trong met khoang Mai
gian dai nhu uu dal lai suit, giam that gian lam thu tpc, trao cac phAn qua nhan vio
cac dip le cho khach hang, cac chucmg trinh tri an khach hang lau nam , btrac dAu co
the thAy duqc hieu qua dm the bien phi!) nay khi se vein ngan hang huy deng duqc
tinh tien theo tong nam.
Xfit ve
quy m8
Co the thAy quy m6 huy dOng von cfia ngan hang tang deu qua tang nam, co the
nam 2013 dfit mirc 502,24 tj
,
ding, tang 130,82 tj
,
so yeti nam 2012, dat tjr lg tang
twang 35,22%. Sang den nam 2014, quy mo huy deng von cfia ngan hang la 733,55 tjr
ding, tang 231,31 tj
,

ding so vOi nam 2013, twang throng vii mire tang throng
46,06%. Ta co the nhAn thAy quy mei ngulin von huy deng cua ngan hang c6 mac tang
truing tot trong thai gian qua, dieu nay co duqc la do chi nhanh
da
chit deng trien khai
thoc hien cac giai phap nhim nfmg cao y thirc gal tien tiet kie'm meta ngtrai dan nhu
ma
cac dcrt do thuemg cho khach hang gui tien, tang nhieu ph'An qua co gia tri, uu dai Ion
cho nlang khach hang girl tiet kiem Fin dau tai ngan hang ben each do la vi'ec xay
di
g
mg ni'em tin cho ngutri dan thong qua thai de va the phong lam viec. Do vay, Ngueri
dan da tich cot ham trong viec girl tien tiet kiem tai ngan hang. Ngoai ra, co the n6i
tinh hinh kinh to phat trien tren dia ban cling gifip cho viec huy ding vein cua ngan
hang tray nen dsZ dang hcm.
Vic tang truing quy mo huy ding yen la met yeu t6 tich cot deli vai ngan hang,
dieu nay se giup cho viec ma Ong hofit 'Jong cho vay dei vii he sin xuAt tren dia ban
co the dien ra thuan lqi ham rther nguen yen din dio.
Trang 25