Một số vấn đề liên quan đến việc hoàn thiện qui trình thẩm định của cán bộ tín dụng vùng cây công nghiệp

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THAMDINHCUACAN80
TINDUNG
VUNGCAYCONGNGHI~~
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in dl,lngtrongvungsanxuatcay
c6ngnghi$pt~ptrung,benc(,lnh
cacyeuto rui ro tlt kMch quan,
ve cM quanthi khanangrui ro thuang
namtronghaid(,lng:ruirot~ptrung(mqt
tytrQngIandunqduqct~ptrungvao'cho
mqt10(,li
caydqccanh)varuirotrongIl!a

chQn(phaidautu vaonh6mkhachhang
macacyeuto taisandambaokh6thoa
mandoi hoi chQnIl!a ve an toan cua
nganhang);tlt d6,vi$ch(,lncheruirodoi
hoi nhieuvao kha nangth~mdinhcua
nganhang.Trongthl!c te, Nganhang
N6ngnghi$pva PMt tri~n N6ngth6n
(NHNo&PTNT)
Vi$t Namchoyay vung
trengcaycongnghi$pthuangthOngqua
nhieuchinhanhnho,nenkh6thuchien
duqcvi$cto chucth~mdinhm~tcach
hi$uquadohi$nnay,toanh$thongvan
thl!c hi$n th~mdinh dl!a tren phuong
thucphanUchcodi~n(sudl,lngmohinh
chatluqngtrongdanhgiaruiroUndl,lng),
khongdapungduqcnhCtng
yeucaucua
n6 (chuak~ den nhCtngkhiemkhuyet
cuaphuangthUcnay),cl,Ith~nhu:
- Kh6 hinh thanh duqc dqi ngO
chuyengiac6khanangphanUch,th~m
dinhtottrongcaccacaunhocuacacchi
nhanhtrongnongthOn,k~catronghang

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Trio qu6c Loau *

khiem kh~yettrong dieu ki$nyaycuah6

yay Yon.a day,khongd$tvandevedieu
chlnh cac nqi dung phanUch(ch~ngh~n
thong dl,lng hi$n nay la nh6m CAM.
PARY)ma chi bandentrinhtl! trongxem
xet cac nqi dungcan phan Uchd~canbQ
Undl,lngc6 th~ tiet ki$m duqctMi gian
th~m d!nh; sl! khOngnhat quantrang
trinh tl! th~m dinh cho tlmg khachhang
kMc nhaucOnggay haoton t~<1i
gianva
1

.,

10(,lt
chinhanhmC1i
duqcthanhI~p(hi$n
naytrentoanquoc,NHNo&PTNT
c6han
1600chinhanh).
- Moi can bq Undl,lnghi$n nay a
NHNo&PTNTthuang dam trach cac
khautLrtiepnh~nhesa,thunh~nthong
tin, phantichtindl,lngd~ dexuatI; kien
len capra quyetdinh,giamsatva xu II;
cac khoannq c6 van de;trongkhi d6, anh huangden chat luqngcuaquyet
vi$ctimhi~u,danhgiakhananghi$nt(,li djnhtindl,lng.
vatiemtangvetaichinhcOngnhuphitai
- Capra quyetdinhUndl,lngducO-,
chinhcuacacdl!annguaiyay,doihoiky kinhnghi$m

l(,Ii thuang
b!cachIyvaitinh
nang,kinhnghi$m,trl!cgiactot,d(,loduc hinhvehqsanxuat,thitruang
tieuth~;I
nghenghi$p...la nhCtng
to chatthuang do khongc6 h$ thongluu trCtthong
tin
c6a nhCtng
canbqUndl,lngc6nhieukinh kMch hangtot nenchi dl!avaonhltng
nghi$m.Can bq tin dl,lngmC1i
thuang thOngtin tl! thu th~p,cac chu~nbinh
thieukinhnghi$mvadoquatainenchat quanthee kinhnghi$md~ phandoan,
luqngth~m dinh khOngcao, thai gian ki~mtracacthOngtindocanb(>tindl,lng
th~mdinhdebi keodai,gaytrang(,likhi cungcap,tLrd6, hQthuangphaiquyet
cungung dichvl,l Undl,lngcho kMch d!nhtin dl,lngtrenca sa thOngtinchlla
hang.
dayduo
- Du da c6 nhieuphuangpMp tinh
D~ nangcao chat luqngcongtac
hi$Uquakinhte,dinhgiacackhoancho phanUchva rut ngan duqcthaigian
yaydaduqcdec~pratchitiet,tuynhien, th~mdjnhtrongtinhhinhcanbqtind~ng
can bq tin dl,lngmai thuangchuasap biquatairi$n nay,chUngtoixindexuat
xepduqcmqttrinhtl! th~mdinhhqpII; mqtso kiennghisauday:
theotLrnggiaidO(,ln
n~-hamphathi$ncac
_H__~ . . ThunMt, hinhthanhmqttrinhthue

.!

giandan,gemcacbuactheom(>t

thuW II'
hqpII;d~thl!chi$nphantichnhanh(ve
tai chinhva phitai chinh),chopheplo~i
IItrCr,ho$cchapthu~nngaytCrng
bLtae,
trongmoibuacla mqtnh6mcactieuchi
duqcUnhdi~m,a moibuacphaid~tm9t
gia t~ duang mC1i
tieptl,lCxemxetqua
buacketiep,(Dochoyayvungtrongcay
c6ngnghi$pdoi vC1i
nonghqthucmg
chi
t~p trung I$p di, I$p I(,Iivao hai khau,
I tr6ngmC1i
vachams6ctheemqtquitrinh
nhatdinh).C67 buacnhusau(Xemsa
do 1).
BlfCfC 1: TinhhqpIy,hqpphtipciJa

dVan:Doituqngyayc6thuqcdanhml,lC

Idautu
uutien,thuqcchuangtrinhdl/an
cua dia phuong;duqc Nhanuac,lu~t

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pMp chophep;qui moc6pM hqpdieu
ki$nva nangIl!c cho phep...(m

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Vung cay cao su chucin bi. dua vao khai thac tai
. tinh Binh Duong

Anh: M<;J[1h Ha

12

. Gi6m doc NHNo&PTNTDau tam to
LamDong
TtJ> CIIf NcAN uANC

- y:)

4 NAM '2004

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be).
Bllac2: Tinhtr?ngphapIy cuacM
tM vayvan(nangII/cphapIi, nangII/c
hanhvi).TInhtr9ngcutru,nghenghi$p
chfnh;khachhangcO,mai;Unhtr9ng
quanh$ tind~ngtruacday(dungh9n,
quah<;ln)(m
BI/(JC
3: CacthOngtin b6 sung:Uy
Un,c6quanh$tiengui vaiJJganhang,
tinhtr<;lng
suclac d<)ng,lac d<)ngtrang
d<)tuoi,tinhhinhkinhte cua h<)vay,...
(diemblIaC3 c<)ng
VaGtonggiatrj di~m
(+)cuahaibuactren,neulamchotong
s6diemnay< 0 thidl/ anbj109i).
Bllac4: Tinhhinhtai santhi! cMp,
Molanh:Trangsa do trinhtl/ nay,109i
trutrlIanghqpchoyaykhongcantaisan
thechap,baolanh.
Bllac5: Xac dtnhhi~uqua dl/ an.
Cacyeu to hinh thanhtong chi phi,
doanhthu,NPV,IRR,thue...(mbe).
Bllac6:Vantl/ co,lienb?c,hi~nV?t,
conglaodQng(mBllac7:Xac dtnhmLrCva thai h?n

chavay.
TrlIacday,canb<)Und~ngthl/chi$n
th~mdinhphaitl/ II/achQnsapxeptrinh
tl!,cacyeuto,d~phandoan,xacI~pd<)
tinc~y;xaydl/ng h$ thongdi~mtheo
buocS6ho trq lam dan gian hoa qua
trfnhnay;vi$cII/achQnsapxepcacyeu
t6 denh~ndinhve doi tuqngcan Urn
hieu,dlIqcthongnhatvakhoahQchan.
Benc<;lnh
d6,canthietI~pcactrungtam
dcrli$ukhuvl/cc6noim9ngvOicaquan
hanhchlnhdia phuongnhamchia se
thongtin phi tai chlnhve khachhang,
quan1'1
talsanthechap,vecacthOngtin
thitrlIangd~ hotrq khauquyetdjnhUn
d~ngbaivi c6th~dayla khauyeunhat
lamxaudanchatluqngUnd~ng.
Thuhai,d~cacquyetdinhUnd~ng
b<)ph~n
dlIqckhachquan,canc6m<)t
th~mdinhd<)cI~p,c6Unhchuyennghi$p
caochocacdl/anc6giatri Ianam<)t
giai
h<;ln
nhatdinh.
Trendaychi la nhO'ng
g6p'I huang
denvi$crutnganthaigianth~mdinhcho

canb<)tin d~ngmai a vungcay cong
nghi$p,thongqua sapxepvi$cnghien
CLru
tLmgn<)idungphanUchtheo m<)t
trinhtl/ hqp1'1.Cacchi sodi~mtrensa
dochidonthuanbi~uhi$nketquath~m
dinhtCIng
buactheogia trj Uchcl/c (>0)
ho~ctieucl/c «0) va khongd6i hoicao
nhudi~msotrangvi$cphanUchUnd~ng
theomohinhtinhdi~mUnd~ng..
.T~ CIIf NcAN IIANC - s6

4 NAM'W04

So do 1: Trinh tl,l'th~m dinh theo buck
(Doi voi can bQtin d!}nghQsan xuat trang cay cong nghi~p)

81

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duqc
phep

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h9nduqcyay VlIqtkhung
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thaih<;ln

13