Tải bản đầy đủ (.docx) (20 trang)

GIẢI PHÁP NHẰM NÂNG CAO HIỆU QUẢ TÍN DỤNG ĐỐI VỚI DOANH NGHIỆP VỪA VÀ NHỎ TẠI CHI NHÁNH NGÂN HÀNG NÔNG NGHIỆP VÀ PHÁT TRIỂN THÀNH PHỐ HÀ TĨNH

Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (176.11 KB, 20 trang )

GIẢI PHÁP NHẰM NÂNG CAO HIỆU QUẢ TÍN DỤNG ĐỐI
VỚI DOANH NGHIỆP VỪA VÀ NHỎ TẠI CHI NHÁNH NGÂN
HÀNG NÔNG NGHIỆP VÀ PHÁT TRIỂN THÀNH PHỐ HÀ
TĨNH

3. 1. ĐỊNH HƯỚNG PHÁT TRIỂN CỦA NHNo & PTNT THÀNH PHỐ HÀ
TĨNH NĂM 2008.
3. 1. 1. Mục tiêu

 !"#$%&'(
)*+",,+-./0
1+23045672894:;'<= >
?:@@659?72A
1B0564?727/!=+=>C?:5=
(DE3=(!"F+3=((D*+=+G35HI3
>C:J=A
17/!K,+=6:A
17/!+=L)9:19?:J=MA
1N0OPQ'N$/@PR 
*SF+DL/&()3GDQA
3. 1. 2. Định hướng hoạt động kinh doanh. .
1T'+230
UV3"$I"WJX3+DR
3= !"#$T!("YK D
=ZE>",DH[E\">+
/I+,,"=]5E\"^">E!=Z_9D
/`""3%&aL"G'+23= *
L(PYHK+D*JX" N*X+I"W(Q(
BE$K D=ZI"W+DR35>")$E(
3bX>E!P`(_R*RI3+A
UQ3"$L"G@L/5E>


a (/ZRQ(,"(G!
)A
UHK+D*S=cP>R/I+,$K D=ZP$+/I+,Q(
"^"P>RQ(LHA
1T'N=)0
Ud_RN=)*@I_P"^"3R_
+235P,/(R5@,+3"/eSf
gQ( !"#$T!(
HE\A
U+D$J@,+G+`"+R(N!+F+
(+D$I((D2R!5(D=(!"(h/
K+,EW+5"=(!"EL"H'+g/I+,(D
^L+"N+(P!A
UZ!" /N/`"=Z"MQSfD*+G+5K D
=Z$E("@K</eK,+5K,+K D=Z@
>E$I5I+!+,/N=)A
U_N=)5_RE=("[/'E$(5E$
Iij5P!+F+5"E$I3(D5k
WL(D2I@""/e>2I@(D3A
U%JX" N>5F+5K</eQ5
P!""+2!$57/!,+a/Z
NA
1T'E>")WD"+DiNZ
a"+DE>F+3l"Q( DKSKmE[")
iMD>+EmM("^"$F+D>If[
F+bRQ(bA
3. 2. GIẢI PHÁP NÂNG CAO HIỆU QUẢ TÍN DỤNG ĐỐI VỚI DNVVN
TẠI CHI NHÁNH NHNo & PTNT THÀNH PHỐ HÀ TĨNH.
3. 2. 1. Đa dạng hóa các hình thức tín dụng đối với doanh nghiệp vừa và nhỏ.
B(*

n
"
o
((
o

p
 8BTT; (=(
n
*
o
F+5(
o

*
o
I(
p
K+
q
E=(r
o

n
D+
o
+*
o
E
q

/@
n

q
(D5@
o
(
(D5"@
q
(
p

q
(
o
/(
s
AAA/(
o
E
q
(+Ar
q
r
o

n
D(
o
 (

o
@
q
"@ t/
q
D*
n
+F+(
p
E=(+
p
(E(
q
(
o

/(
o
+
n
*+"+
n
+
n
t5"(
p
((@
n
/(
n

r
o
r
q
=+
n
"+
o
@
n
"@
q


o
D*+
o
++
p
(E(
q
(
o
A(
o
(
q
(D+D*
o


q
F+(
*
n
*
q

q
"5
o

q
(
o
I(
p
(
q
**
q
(
o
(
q
r
o

q
(D
@

q
0
u%r
o

q
+
o

q

o
+/*=(5/*E*
q
@
q
E(
q
(
o
A
O*
p
@
p

n
r
q
=+

n
5 (
o
E
q
*
q
r
p
E(
q
(
o

(D
q
+
p
(r
o
(
o

q
*
p
/
n
(
n

I
q
E(
q
(
o
+
p
(r
o
KS
=(*
n
"(
o
/(
o

q
*
n
+F+(
p
5
q
*
p

n


o
(
n
(
o
"(
q
*
p
/ +
=(
o
r
o
 (
o

q
*
p
(
p
+
n
ED
q
@
n
"
o

/*=(5/*E*
q
@
q


s
=(*
n
"
q
*
p
+
o
I(
p
K+
q
E=(A
n
D (
o

E
s
@
p

n

@
n
r
q
=+
n
+
p
(r
o
(
o

o

q
*
o
+E*
n
K 

n
"
n
@
o

o


q
r
o
(@
n

s

n
(
n

n
D*
q
++
p
(E(
q

(
o
5
o
@
o

o
(
n

*
q
"(
q
I(
q
5F+(
p
/D
q

q
(D
o
(
q
+
n
"
(=
n
*
q
"/(
o
@
o

o
+

q
A%@
s
(=
q
I
n

q
5
n
(
q
+
p
(
+D*( (
o

q

q
=(*
n
"IS
s
/(
o

q

*
n
+F+(
p
@5
(
n
*
q
@
n
+
p
E(
q
(
o
(
o
 (
o
A
u
(D
q
(
p
P(
p
P

o
(
q
E(
p
IS
s
+0
(
q
=(*
n
"P(
q
(
o
(+@
n
*
o
=@
o
+(+(

n
+= s*
q
/(
o
=(*

n
"P
n
*
q
+
q
/+
n
A (
o

q
*
p
+
q
"
=(*
n
"*
q
+
q
(
n
@
o
P
o

(
q
(DSD
p
/*
n
(
o

q
*E(
p
IS
s
+AD
p
/*
n
(
o
D((D
q
""+
n
+
n
(
o

q

/@
n
(
q
E(
p
@
n

q
AT*
n

(D(
o
D
q
*
p
P(
q

n
EP(
q
E(
q
(
o
*

q
+@
n
+
p
(
=(*
n
"+D
o
+
n
(
o
I
n
(
p
+
n
+
p
((P*A
u(DF+(*
n
"+
n
"(
q
(

o
(
o
I
p
=+
n
S
p
N=+
n
0
 (
o
(D
q
"+
n
E(
q
(
o
@
n
I
p
=+
n
I
q


q
(D
"(
n
(
n

q
r
q
=+
n
*
p
((
q
*
o
+((
o
(
q
5=
n
+
n
(
o
+

q

*
o

n
A
u(DP(
p
/(
s
(
o
(DE
q
P(
p
(
p
P
o
(
o
I(
p

q

@
q

PR *0
F+(
q
r
o
(
n

n
I(
p
K+
q
5E=(5
q

s
BTT5

n
(r
o
5(
q
P
n
 **
q
+
q

"+
n
+
n
+
o
+I(
p
K+
q
5
E=(
n
"+
n
+
n
@
o
I
q
E
q
(
o
I(
p

n
E+

p
(
o
I(
p
/(
o
P(
p
(
p
A(
q

q
*
p

q
E(
q
(
o
@
o

n

p


q

n
(
q
 (
o

q

q
(
o
I(
p

n

q
+
p
+Dr
q

q
(P(
p
/(
s
*

p
(D
q
 (
o

n

q
@
q
(
q
P
n
 *r
o
*
q
(
o

(DE
q
P(
p
(
p
P
o

(
o
I(
p
5@
n
@F+(
p
F+(
p
/r
q
(E*
q

(
p
P(
p
(
p
P
o
+
o
+
n
"
o
*

o
/@5@
n

q
"AAA
3. 2. 2. Thực hiện các biện pháp thẩm định kỹ trước khi cho vay và tăng
cường kiểm tra trong và sau khi cho vay.
EZ!F+D>L(D "Z!
WLbbNQ(=(!"5KSKmE
Q(=(!"!+F+RRIK+,
E=(Q(=(!"5bF+D>L>F+(!@/(
( =(!"AWL("fe
>g*+N0
1g*+'E(0
v(
!
w
I/+R
[
 g*+D(P>E([Q(=(
!"5P>XREQ(Q[
(PaI$+D$'R(
@@HQ(EA
1gI3'EI/0
UB(/3QI_+8xyz;0
xyz w
+`"I(++>
T3QI_+
g*+D"EI/Q(3QI_+

G+iP!F+( EkF+D>LPh3=(
!"53 {`D5gI3D{
 P>aEI/Hb$(D(D
E$P( /=(!"A
UB(/I8xy|;0
xy| w
+`"I(++>
I
O D/g*+J",=^$EI
/HQ(R23G+ANb`D Gfe>g
*+DP>ERE=(Q(=(!"
3(DE2H{/g*+P>EQ(
=(!"A
vZ!RF+D>L(DEH(M
!+/ZQ(P"2(Db "E$(I
bbRIK,E=(Q(=(!"$
F+D>LEL"H DJ, AZ!*
f" /E,$E5b
(EENJLiF+(!/ +=5
=F+(!EbbNP,J5
E"I(A
3. 2. 3. Thực hiện linh hoạt các đảm bảo trong kinh doanh tín dụng.
(A}"=)LL
 9-~9...~O1#F+
n
*
o
P(
p
(

p
*
o
(D
RN=)A
(
o
D  .  (
q
  9    9...5  r
q
  "+
p
 (
s
 P(  
n
 
n

I
q
9-~9...~O1#F+
n
*
o
P(
p
(
p

*
o
(D*
n

q
"r
q
=+
n
=@
q

r
o

q
(D+
p
((
q

p

q
r
q
=+
n


q
@
q
E(
q
(
o
(DSF+
n

+
p
(/+
n
(
q

p

q
r
q
=+
n
AO D/(
o
P(
p
"(
q

"/r
q
F+(
n

q
*
n
+/
n

o
(
o
D96(
q
9@
q
= s(
q

p

q
r
q
=+
n
(
q

P*
n
"(
q
"P(
p

(
p

o
"
o

o
(+
p
5(
n
@I@
p
E*
q
(
o
"(
q
"/r
q
*

p
+
o
@
n
(
q

E(
p
@
n
(
s
E(
q
(
o
(DA

n

n
9-(@
o
(
q
=
q
+I

n
"(
q
*
p
(
o
(
o
*
n
*
n

q

"(
q
"/+
n
T*
n
(*
o
P(
p
(
p
*
o

(D+
p
((
q

p

q
r
q
=+
n
A•@
q

(
q
F+
n
@
q
 D+
p
("(
q
"/+
n
r
o


n

n
9-
q
*
o
+*
p

(
q
(
o
@
p
@
p
@*
n

n
*
q

q
"5
o

q

5P(
p
/(
s
(
o
I
p
/r
q
(
o
I(
p
P(
p
(
p
*
o
(D+
p
((
q

p

q
r
q

=+
n
A+
n
*
p
5/(
o
+D*
q

n
=Pr
o

p
E=(@
n

n
0(
q
=(*
n
"(
o
@
q

+

s
(
q
(
o
"
o
E*
q
E(
q
(D
q
 (
o
@(
n
F+
q

=(*
o
+"(
p
*
q

q
"
o


q
(
o
I(
p

n
"(
p
@
n
P*
q
P(P(
p
/(
s

P
o
(
o
I(
p
*
p
P(
p
(

p

n
*
n
r
s
(+
n
(
p
@
n
5(
n

o
@
o
@
n
"
E(
q
(
o
@
n

p


q
r
q
=+
n
(D
q
P(
p
(
p
(
o
I(
p
@
n
r
o

(
o

o

q
(D
n
(DE

q
P(
p
(
p
P
o
(
o
I(
p
SF+

n
+
p
("(
q
"/+
n
A
p

q
r
q
=+
n

q

F+D*
o
/
n
(
n
5F+D*
q

n
*
n

(D
q
P(
p
(
p
P
o
(
o
I(
p
5(DE
q
P(
p
(

p
SF+D
n

+
p
("(
q
"/+
n
(
o

n

n
+(
q
*
n
*
o
F+D*
q

n
+
p
(r
o

A@
o

@
n
"E(
q
(
o
E(
p
@
n
@
n
S(E*
q
5 (
o

q
F+D*
o
+
p

n
I
p
/r

q
(
o
I(
p
P(
p
(
p
*
o
(D+
o
@
n
Y@
q
*5(
o
I(
p
P(
p
(
p

*
o
(D@
n

I
p
/r
q
S"@
q
(
s
(
p
+
n
@
n
"
o
A@
o

@
n
"(
q
P*EI
p
/r
q
@
n
(

o
I(
p
P(
p
(
p
*
o
(DS(
p
+
n
5r
o

p

q
r
q
=+
n

q
F+D*
o
P(
q
5+D*

p
@
n
(
o
I(
p

o

q
*
q

q
"*
p
+
o
@
n

n
+D*
p
(F+D*
o
+
o
@

n
(
o
+D
p
F+D*
o
P*
q
P(
K
p
/r
q
(
o
I(
p
P(
p
(
p
*
o
(DA
PA€PaP,RIA
d+
n
r
q

+
p
(r
q
=+
n
 (
o

q
@
q
*
o
E*
q

q
+(
o

q
@
q
(
q
BTT
q
*
q

/(
o
0#(
q
*
p
E*
q

q
/@
n
+
n
@
n
"/D
q
5
((
o

q
5+ +
p
"(
q
"/+
n
A

q
/@
n
r
q
=+
n
 (
o
"(
p
=
n
(
**
n
+F+(
p
I(
p
K+
q
E=(+
p
(=(*
n
"5r
o

n

D
q
@
q

n

+
o
+K(D
q
+
p
( (
o
r
o

o
+*(
q
P
n
r
q
=+
n

o
"(

p

F+( *
q
E"(
p
/(
o
(
o
I(
p
P(
p
(
p
*
o
(D+
p
(E(
q
(
o
(
o
r
q
/(
o

=
n
(
q

n
"@(
q
I(
p
K+
q
E=(+
p
(E(
q
(
o
A

×