Làm thế nào để các ngân hàng có thể tham gia vào thị trường tài chính nông thôn Việt Nam một cách có hiệu quả và an toàn

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<i>1^ 4 MitngXudn Tdn Mdo </i>

<i>l^^J NGAN HANG Vdl SIJ NGHIEP PHAT TRIEN NONG NGHIEP VA NONG THON ^ </i>

<b>Lam the nao </b>

<b>da cac ngan hang cd thd tham gia vao </b>

<b>thj ttiTdng tai chinh ndng thdn Vidt Nam </b>

<b>mdt each cd hidu qua va an toan P </b>

Sou han 20 nam doi mai,
Viet Nam da dgt dirge nhCrng
thdnh ti/u kinh te an ti/gng,
song van con la mot quoc gia
ngh^o vol thu nhgp tha'p va
tiem nang phat trien lan chua
dirge khai thde, nhd't Id khu
vuc nong nghiep, nong thon.
Hien nay, tren 70% ddn so
Viet Nam van dang song o
khu vuc nong thon vd nong
nghiep van Id nguon thu
nhgp chfnh. Khu vuc nong
thon Viet Nam Id mgt thj
trudng co tiem ndng khai thde
rgng lan, song Viet Nam con
thieu mgt he thong tdi chfnh
nong thon ben vung de phyc
vu cho khu vuc ndy. Bdi vie't
sou ddy phdn tfch ro nhung
nhdn to' cdn tra qud trinh

tham gia cua cac ngdn hdng
vdo thj truang tdi chfnh nong
thon vd de xud't cdc gidi
phdp de cde ngdn hdng tham
gia vdo thj trudng ndy mgt
cdch CO hieu qud, gop phdn

bdo ve moi truang vd phdt
trien kinh te nong nghiep,
nong thon ben vi/ng.

<i><b>Kama </b></i>

Cliuygnmucnaydo

AGRIBANK tai tru

TS. Hoang Huy Ha *

<i>Nang cao mite song a khu vuc ndng thon van se la mgt thach thitc lan doi vai Viet Nam </i>

1. Khu virc nong thon va
nhu cau ve vd'n cho dau tu
phat trien

Sau ban 20 nim ddi mdi, Viet
Nam da dat dugc nhung thinh
tyu kinh tg an tugng, song van
cdn la mdt qudc gia ngheo vdi
thu nhip GDP binh quan dau

ngudi thip va tiem ning phit
trign Idn chua duac khai thic.

Theo sd lieu mdi cdng bd, ty le
ngheo cua Viet Nam da giam
75% kg tu nim 1993 dgn nam
2009, song dy tinh vin cdn
khoang 12 trieu ngudi ngheo
(14,5%), khoang 85% trong sd
dd sdng d ndng thdn. Hien nay,
trgn 70% din sd Viet Nam vin

* Pho Tong Giam doc
Ngan hang OSu tu va Phat trien Viet Nam

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<i>Mung Xudn Tdn Mdo </i>

<b>j ^ NGAN HANG Vdl SLT NGHIEP PHAT TRIEN NONG NGHIEP VA N 6 N G THON </b>

dang sdng d khu vyc ndng thdn
va ndng nghiep van la ngudn thu
nhip chinh cua hg. Ning cao
muc sdng d khu vyc ndng thdn
vin se la mdt thach thuc Idn ddi
vdi Viet Nam.

D I dat muc tigu phit trign khu
vyc ndng thdn bgn vung va tigp
tuc nhCing thinh cdng trong xda
ddi giam ngheo, trong kg hoach

5 nim tilp theo, Chinh phu dy
kign muc tdng muc dau tu cho
kinh tg ndng thdn khoang 5 - 6 ty
USD mdi nim. Trong do, dy kign
diu tu cua khu vyc tu nhin chiem
khoang 40% bay mdi khoang 2
-2,5 ty USD. Do dd, ben canh diu
tu cua Nhi nudc, sy tham gia cua
he thdng ngin bang vao phit
trign khu vyc ndng thdn se la
ngudn bd sung can thigt.

<b>2. He thd'ng ngan hang va </b>
<b>thj trudng tai chfnh nong </b>
<b>thon Viet Nam </b>

Qui trinh cai cich khu vyc tai
chinh bat diu mdt cich manh me
tu diu nhiing nam 2000, da dat
dugc nhung kgt qua rit ding ke.
Dgn nay, Viet Nam da hinh thanh

mdt he thdng tai chinh trung gian
chinh thuc vdi 44 ngin bing
(trong dd 5 ngin bang thuang
mai Nha nudc, 39 ngin bing
thuang mai cd phin, tren 900 Qui
tin dung nhan dan (PCF) vi sy
tham gia cua nhieu djnh chg tai
chinh nudc ngoai. Trong giai

doan tu nam 2000 dgn nay, nigm
dn vao he thdng ngin hing da
tang len nhanh chdng, thd hien d
ti le tien gui, tu 24% GDP Ign
tren 60% GDP; ngudn tin dung
cho nin kinh te cung dat muc
tang trudng binb quin hing nam
gin 30%. He thdng thanh toin
lign ngin hang va ngi bd cic
ngin hang, dugc xiy dyng theo
cic tigu chuin qudc te, da giup
cai thien cac djch vu thanh toin,
diy nhanh vdng quay vdn vi ting
tinh bieu qua cua viec din vdn.

Mac du da cd nhiing budc phit
trign Idn, song boat ddng cua be
thdng ngin hang, tru Ngan bang
Ndng nghiep va Phit trien Ndng
thdn Viet Nam (Agribank), chii
yeu vin d khu vyc nhirng trung
tim Idn va thinh phd, thj xa trung
tam tinh, chua dat dugc tinh hieu

qua cdng nhu md rdng sv -P c^n
<i>cua cic djch vu tii chin" den cac </i>
khu vyc ndng thdn. Khu \ yc ndng
thdn li mdt thj trudng cd tigm
nang khai thic rgng Idn, nai sinh
sdng cua tren 70% dan sd ca

nudc, song Viet Nam cdn thigu
mdt be thdng tii chinh ndng thdn
ben vung dl phuc vu cho khu vyc
niy. Mdi cbi cd khoang 32%
ngudi ngheo d ndng thdn tigp can
dugc tdi nguon vdn cua cac dinh
che tii chinh chinh thuc. Cac
doanh nghiep ndng thdn, dac biet
la cac doanh nghiep vi md va nho
da tao ra 2/3 sd cdng an viec lam,
song tiep tuc gap khd khin trong
viec tigp can cic ngudn tai chinh
cho nbu ciu diu tu. Cic doanh
nghiep tu nhin ndng thdn tai trg
khoang 75% cic khoan diu tu
mdi tu nhiing ngudn phi thuang
mai, nhu tu cic ngudn vdn ty eo,
tir gia dinh, ban be, hay tu cic qui
ndi bd ciia doanh nghiep (lgi
nhuan giu lai). Sy phu thuge qua
Idn vio cic ngudn ndi tren da lam
ban chg qui md phit trign va kha
nang md rdng thj trudng ciia
doanh nghiep.

<i>De tung budc </i>
<i>chiem linh thi </i>
<i>trudng nong thon </i>
<i>rgng Idn, cac </i>
<i>ngan hang can </i>

<i>phat then mat </i>
<i>chien lugc cu the </i>
<i>de hudng de'n thi </i>

<i>truang nay </i>

88 Tap chi Ilgan hang so 2o3/20ll <b>Ghuvfifi "iHo nay do </b>

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<i>MwngXudn Tdn Mdo </i>

<i><b>NGAN HANG Vdl SL/ NGHIEP PHAT TRIEN NONG NGHIEP VA NONG THON 4 </b></i>
<b>3. Nhung nhan to'can tro </b>

<b>qua trinh tham gia cua cac </b>
<b>ngan hang vao thj truang </b>
<b>tai chfnh nong thon </b>

Cd nhigu nhin td tic ddng din
qui trinh tham gia cua cic ngin
hing vao thj trudng tii chinh
ndng thdn. Nhin td diu tign li
hiu hgt cic ngin hing cdn thigu
mdt chign lugc cu thg hudng dgn
thi trudng ndng thdn. Mdt trong
nhCrng nguygn nhin lam cho cic
ngin hing chua tich eye md rdng
ra khu vyc ndng thdn la thigu
ngudn vdn do kha nang huy dgng
cdn ygu, die biet la ngudn vdn
trung vi dai ban. Viec cic ngin

hang van ip dung qui djnh vg tai
san thg chap dg phdng ngua rui
ro, va nhung ygu kem tCr phia ngi
tai doanh nghiep, nhu chuin bi kg
hoach kinh doanh kem, thigu he
thdng kg toin lanh manh va cic
bio cio tai chinh, thieu tii san
dam bao... li mgt trd ngai Idn cho
cic doanh nghiep ndng thdn trong
tiep can dgn djch vu ngan bing.
Ngoai ra, chit lugng san phim va
djch vu ngin hing cho khu vyc
ndng thdn cdn thip va dan dieu,
cic djch vu khdng dip ung dugc
nhu ciu da dang cua san xuit
ndng nghiep, la ITnh vyc chju
nhigu tic ddng cua rui ro thdi tidt
hay djch benh lign quan dgn ciy
trdng, vit nudi. Hon nua, vin dg
bao ve mdi trudng trong cic hoat
<i>ddng san xuit kinh doanh a ckc </i>
vung ndng thdn cdn chua dugc
quan tim dung muc va ngay mdt
trd ngn cip bich, ciing la mdt rui
ro trd ngai khi cac ngin hing md
rdng boat ddng ra khu vyc nay.

<b>4. Lam the nao de cac </b>
<b>ngan hang tham gia vao thj </b>
<b>truong tai chfnh nong thon </b>

<b>mgt each hieu qua? </b>

Tit ca nhiing nhin td ngu trgn
da lam cho cic ngin hang, cic

doanh nghiep va hd gia dinh
ndng thdn chua gap dugc nhau.
Ndi each khic, dg cic ngin hang
cd the tham gia vao thj trudng tai
chinh ndng thdn mgt each hieu
qua, nhung nhin td trgn can dugc
xem xet xu ly.

(i) Can xay dung mot chien
liro'c cu the hudng tdi khu vuc
ndng thdn

Hoat dgng ngin hang da mang
tinh canh tranh cao, song chu ygu
mdi l i d cic trung tim kinh td
<i>Idn, 6 ckc thanh phd, thj xa. </i>
Canh tranh boat ddng ngin bang
d khu vyc ndng thdn cdn ygu.
Trong sd cic ngin hang, dudng
nbu mdi chi cd Agribank da cd
chign lugc rd rang trong phuc vu
khu vyc ndng thdn va vin li djnh
chg duy nhit cd boat ddng d
vung siu, vung xa. Dg tung budc
chigm ITnh thj trudng ndng thdn

rdng Idn, cic ngin bing cin phit
tridn mdt chign lugc cu the de
hudng dgn thj trudng niy. Chign
lugc nay se bao gdm cic chien
lugc kinh doanh, kg hoach phit
trien mang ludi chi nhinh hieu
qua vdi thdi gian bigu cu the vi
kg hoach tuygn dyng, dio tao cin
bg dg md rdng boat dgng tdi khu
vyc ndng thdn mdt cich ben
vCrng, vi tung budc vuan tdi
vung siu, vung xa. Hoat ddng
cho vay d khu vyc ndng thdn
cung cd nhCing die thu khic biet,
do dd, cdng tic dio tao nghiep
vu tai chinh ndng thdn cho cic
can bd cung cin dugc quan tam
dung muc, vi di kem la phat tridn
he thdng quan ly rui ro, he thdng
kigm soit chit lugng phu hgp vdi
die thu mang tinh thdi vu cua
san xuit kinh doanh san pham
ndng nghiep. Hd trg, chuan hda
vi phit trign mdt cich cd hieu
qua he thdng cic Qui tin dung
nhin din va cic to chuc tii chinh
vi md d ndng thdn.

(ii) Huy ddng vdn va phat
trien nhung san pham huy

dong vdn mdi

Mgt trong nhung nguygn nhin
lam ban chg sy tham gia cua cic
ngin hang vio thj trudng tai
chinh ndng thdn la ngin hang
thigu vdn, die biet la trong huy
dgng ngudn vdn trung vi dai ban
dg su dung cho vay md rgng diu
tu vao khu vyc ndng thdn. Chi
chua dgn 1/3 cic khoan tign huy
ddng dugc tu he thdng ngin hang
cd thdi ban tren 12 thing. Dd dip
ung nhu cau cho vay diu tu, mdt
phin ngudn vdn ngin ban di
dugc su dung tii trg cho cic
kho-an vay cd ky bkho-an, va tao ra sy
mit cin ddi vg ky ban va rui ro
thanh khoan. Mdt thuc tg la 4
thinh phd Idn la Hi Ndi, Hai
Phong, Da Ning va Tp. Hd Cbi
Minh chigm dgn 70% tdng tign
gui tigt kiem, song cung su dung
52% tdng tin dung cua cic ngin
hing. Tu dd cd thg thay la nhung
khu vyc ngoai 4 thinh phd Idn
nay (d 60 tinh cdn lai) gap khd
khin trong viec buy dgng vdn
dip ung cho nhu cau cho vay d
dia phuang. Ly do la bien nay

cic ngin hang chu ygu vin huy
ddng vdn thdng qua cic san
phim truyen thdng tu din cu vi
doanh nghiep, chua cd cac sin
phim tiet kiem mdi phu hgp cho
huy ddng vdn d khu vyc ndng
thdn. Nhiem vu cua be thdng
ngin hang, do dd, l i phai cd mdt
chign lugc cu thg trong viec thigt
kg, tigp thj nhung san phim tigt
kiem dai ban mdi, da dang vi
bap dan, cd thg nhu ca ciu cac
tai khoan tigt kiem, chung chi
tign gui hay nhung san pham
khic nhu trii phigu,... de thu hut
ngudn vdn nhan rdi tu khu vyc
ndng thdn, md rgng ngudn tai
chd cho diu tu phit triln.

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<i>Mitng Xudn Tdn Mdo </i>

<i>^ NGAN HANG VOI SL/ NGHIEP</i> PHAT TRIEN NONG NGHIEP vA NONG THON

<b>(iii) Phat trien cdng nghe </b>
<b>tin dung mdi - Cho vay theo </b>
<b>ddng tien </b>

Mgt trd ngai niia dg ngin bing
va doanh nghiep gap nhau li cic
ngin hang vin chu ygu cho vay

tren ca sd tai san thg chip. Trong
khi do, ngudi din vi cac doanh
nghiep ndng thdn thudng it cd tai
san thg chip cd gii trj (hoae cd
the dugc chap nhan), vi viy, viec
tigp can cua ngin hang dgn
nhung ddi tugng nay bj ban chg.
Dg vugt qua trd ngai niy, cic
ngin hing cin nghign cuu ip
dung mdt cich phd bign ban
nhung cdng nghe tin dung mdi,
nhu cho vay theo ddng tign. Cdng
nghe tin dung cho vay dya trgn
ddng tign se cung cip cho cic
ngan bang cic miu sin phim tin
dung dugc chuin hda, tbich ung
vdi khich hing, cho phep dinb
gii tdt ban ning lye tra ng cua
ngudi vay theo cic ygu td diu
vao ma khdng hoin toan phu
thudc vio tii san thg chip. Cdng
nghe nay cung ddi hdi boat ddng
dao tao dg cic cin bd tin dyng vi
can bg quan ly d cic chi nhinh
nim bat va ung dung mdt cich
tdt nhit.

<b>(iv) Hd tro- ky thuat va dao </b>
<b>tao cho cac doanh nghiep </b>
<b>ndng thdn </b>

Trong thdi ky doi mdi, sd
lugng vi chit lugng djch vu ngin
bang ngiy cang da dang, tien
tign. Tuy nhign, ngudi din va cic
doanh nghiep ndng thdn dudng
nhu vin cdn chua dugc budng lgi
diy dii tu nhiing thinh qua cua
cdng cudc ddi mdi trong ITnh vyc
ngin hang. Sy tigp can dugc din
dich vu ngin hang cua ngudi dan
va doanh nghiep ndng thdn vin
cdn rit ban chg. Dilu niy mdt
phin la do nhung nguygn nhan
yeu kem tu phia ndi tai cac doanh
nghiep nhu trong khiu chuin bj

kg hoach kinh doanh, thilu he
thdng bio cao tai chinh, ke toin
linh manh...

Van dg trgn cd thi dugc xu ly
thdng qua cic boat ddng dio tao
va hd trg ky thuat cho cic doanh
nghiep va bg san xuit kinh doanh
d khu vyc ndng thdn cung nhu
cic ngin hang tham gia cung cip
djch vu. Ddi vdi cac doanh
nghiep va hg gia dinh, viec cin
thiet li dao tao, hudng din cho

bg lam thg nao de xiy dyng dugc
mdt kg hoach kinh doanh gin ket
mdt cich tdt ban vdi ygu cau cua
cac ngin bang, thigt lip vi duy
tri mdt he thdng kg toin, bio cio
tai chinh lanh manh, bay lam thg
nao de ning cao tinh hieu qua va
kha ning sinh ldi,... Hudng din
ed the ddn tu phia cic ngin bang
thdng qua cac ldp dao tao hay
hudng din tryc tigp cua cic cin
bd tin dung kbi tigp can hd so
vay cua khich hang. Hoat ddng
dao tao cho cic doanh nghiep cd
the hieu qua ban vi dat qui md
rdng rai ban thdng qua cic Hiep
bdi doanh nghiep hay cic td chuc
nghg nghiep. Tuy nhign, diy l i
nhung boat ddng trg giiip mang
tinh vT md, do dd rat cin cd
nhung bien phip hd trg phu hgp
tu phia Chinh phu ma khdng thg
dya vio mdt vai dan vj rigng le.

<b>(v) Phat trien thj trudng bao </b>

<b>hiem ndng nghiep </b>

Mdt ygu td quan trgng ddi hdi
phai cd nhung budc tilp can mdt

cich sang tao mdi trong phit
trign thj trudng tai chinh ndng
thdn chinh la vin dg giam thilu
cic rui ro ddi vdi cic khoan vay
cua ngin hang trong ITnh vyc san
xuit ndng nghiep vi kinh doanh
cac san phim ndng nghiep. Han
70% din sd Viet Nam sdng d khu
vyc ndng thdn vi ndng nghiep
vin la ngudn sdng chinh ciia bg.
Tuy nhign, nganh ndng nghiep d

Viet Nam lai bj anh hu -._: nhigu
nhit bdi nhung rui ro ^ - thai tiet
(lu lut, ban bin, bao.. s va dich
benh (djch cum gia earn, beo tai
xanh...). Rui ro mit vdn cao do
nhung die thu cua san xuit ndng
nghiep, trong khi lai chua cd thj
trudng bao hilm ndng nghiep
phit trien da lim nan Idng cac
ngin bing khi tham gia vao thi
trudng tai chinh ndng thdn.

Theo cic chuygn gia bao higm,
bao hilm ndng nghiep la linh vuc
phuc tap, tdn kem vi kha nang
sinh ldi thap, rit de bj Id. Do do,
dg tung budc phat trign bao hiem
ndng nghiep, theo kinh nghiem

cua cic nudc, Nha nudc cin co
bien phip hd trg cho ca doanh
nghiep kinh doanh bao hiem
cung nhu hd trg phi bao higm cho
ngudi dan. Vg phia ngan hang, dl
giam thieu riii ro cho ban thin,
cic ngin hang ciing cin ed chinh
sich hd trg nhu mign hay giam
lai ddi vdi khich hang cd tham
gia bao higm ndng nghiep de
khuygn khich khich hang vay
vdn tham gia mua bao higm.
Ngoii ra, sy tham gia ciia chinh
quygn dia phuang, cac td chiic
chinh trj xa hgi trong viec tuyen
truygn van ddng thu hut dong
dao ngudi din tham gia bao higm
ndng nghiep se la rat can thiet de
xiy dyng mgt thi trudng bao
hiem ndng nghiep phit trign.

<b>(vi) Tham gia ciia ngan hang </b>
<b>vao bao ve mdi trudng </b>

Cung vdi sy phat tridn cua nen
kinh tg thj trudng, vin dg moi
trudng d Viet Nam da ngay mot
trd ngn cip bich. Dang va Nha
nudc da ban hanh Luit vl Bao ve
mdi trudng. Mac du viy, viec

thyc thi Luit Bao ve mdi trudng

<i>a cic dia phuong cdn rit ban </i>

chg. O khu vyc ndng thdn cdn
tdn tai tip quin sin xuit ty phit
vi tim ly phat trien kinh tl la

<b>90 Tap chi ngan hang so 2o3/2011 </b> <b>Chuyen muc nay do </b>

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<i>P^'^^aV i </i>

<i>MitngXudn Tdn Mdo </i>

NGAN HANG Vdl<i> SU</i> NGHIEP P H A T TRIEN NONG NGHIEP VA NONG THON ^

trgn bet ma bd qua vin dg bao ve
mdi trudng. Dilu niy da din din
nhung digm ndng vl mdi trudng
d khu vyc ndng thdn, nhit li d
nhung ling nghi thu cdng va cic
khu vyc cd sy tip trung cao cic
doanh nghiep trong nganh san
xuit, tii chg giay, niu chay kim
loai vi nhya thu cdng, det
nhu-dm, chg bign thyc phim ndng
san... Nguy copbai ddng cira nha
<i>may hay thu hep san xuat a </i>
nhiing ea sd khdng dip ung vin
dg bao ve mdi trudng da din den

rui ro khdng tra dugc ng cho
ngin hing. Vin de bao ve mdi
trudng, do dd, cin dugc cic ngan
bang xem xet mdt cich tich eye
de cd thg kgt hgp hai hda lgi ich
cua ngin hang, cua doanh nghiep
va bao ve dugc mdi trudng. Digu
nay cd thd dugc thyc hien thdng
qua dao tao tap huin cho cin bd
quan ly va can bg tin dung vg
cic chinh sach bao ve mdi
trudng hien hinh; cich thuc nhin
bigt vi phin loai khoan vay phu
hgp vdi cic qui dinh ve bao ve
mdi trudng; tang cudng sy phdi
hgp giira can bd tin dung vdi ca
quan mdi trudng dja phuang
trong viec thim djnh va giim sit
sy tuin thii cua cic ca sd sin
xuit sau khi cho vay; va qui trinh
tham van cdng ddng dja phuang
dg giam thieu nhung rui ro kbi
cho vay d khu vyc ndng thdn.

<b>5. Cac Du an Tai chfnh </b>
<b>Nong thon va su tham gia </b>
<b>cua Ngan hang Dau tu va </b>
<b>Phat trien Viet Nam vao thj </b>
<b>trudng tai chfnh nong thon </b>

Trong sd cic dy in vay vdn tin
dung qudc tg phuc vu phit trign
khu vyc ndng thdn Viet Nam,
Ngin bang Diu tu va Phit triln
Viet Nam (BIDV), thdng qua Sd
Giao dich III, dugc Chinh phu
giao quan ly ngudn vdn vi trign

khai thyc hien 3 Dy in, li cic Dy
in Tii chinh Ndng thdn I, II & III
vdi tdng sd vdn vay Ngin hing
The gidi (V/B) Ign din 548 trieu
USD. Cic Dy an cd muc tieu
chung la bd sung ngudn vdn cd
ky ban cho cic djnh che dg dap
ung nhu ciu diu tu d khu vyc
ndng thdn va hd trg phit trign he
thdng tii chinh ndng thdn bgn
vCing.

Cic Dy in Tai chinh Ndng
thdn di vi dang tigp tuc gdp
phin tich eye giai quygt nhung
vin dg chinh ygu cua he thdng tai
chinh ndng thdn. Dy in da thanh
cdng trong viec bd sung them
ngudn vdn cho be thdng ngin
bang, die biet la ngudn vdn trung
va dai ban dg thyc hien cic boat
ddng cho vay diu tu d khu vyc

ndng thdn. Tinh gdp ca 3 Dy in,
tu nam 2002 dgn nay, cic Dy an
da bd sung mdt lugng vdn cho
diu tu phit trign ndng thdn Idn
dgn 29 nghin ty ddng (1,6 ty
USD), trong dd tren 90% la vdn
trung va dai ban. Cic Dy in Tai
chinh Ndng thdn cung gdp phin
hd trg phit trien he thdng tai
chinh ndng thdn vdi viec tai trg
cho cic hgp ddng tu vin hd trg
cic ngin bang thyc hien cic kl
hoach chign lugc va dio tao cho
trgn 30 nghin cin bd cua cic
ngin hing vg ITnh vyc tii chinh
ndng thdn.

Mdt ddng gdp quan trgng cua
Dy in Tai chinh Ndng thdn cho
sy phit trign bgn vung d khu vyc
ndng thdn li, trong Dy in Tai
chinh Ndng thdn, lin diu tign d
Viet Nam da gin kgt cac qui
djnh vg bao ve mdi trudng vdi
cic boat ddng cho vay. Diy dugc
xem l i mdt thyc tien tdt trong
viec kgt hgp dinh gii mdi trudng
vdi boat dgng cho vay tin dung
d khu vyc ndng thdn mi cic
ngin hing cd the ap dung ngoai

pham vi cic Du in Tii chinh
Ndng thdn.

Digu quan trgng ban niia li,
ngoai cac muc tigu tuang ty nhu
cic dy in trudc, trong Dy in Tii
chinh Ndng thdn III, mgt phan
vdn da dugc Chinh phu, WB va
BIDV thdng nhit dinh dg nghign
cuu giai quygt mdt sd vin dg
dugc xem l i trd ngai cho cic
ngan hang khi tham gia vao thj
trudng tii chinh ndng thdn.
Nhiing chu dg dugc hd trg nghien
cuu bao gdm: nghien cuu phit
trign nhCing san phim tai chinh
mdi nhu huy dgng vdn dai ban d
khu vyc ndng thdn, cho vay theo
ddng tien, hay phit trign nhCrng
san phim bao hiem rui ro trong
ndng nghiep; bgn canh dd la
tuygn truygn quang b i vg bao ve
mdi trudng va dao tao cho cic
ngan hang vg qui trinh thim djnh
va kigm tra tuin thu mdi trudng
kbi cho vay; bd trg cic doanh
nghiep ndng thdn vdi chuang
trinh dao tao, thdng qua Hiep hdi
Doanh nghiep nhd vi vua Viet

Nam, vg phuang phip lip ke
hoach kinh doanh bieu qua, phat
trign be thdng ke toin theo chuin
myc, quan ly ngudn lye va phit
trign sin xuit kinh doanh; ngoai
ra, Dy in cung hd trg ting cudng
ning lye di ddi vdi quan ly, giim
sat he thdng Qui tin dung nhan
dan dg ning cao tinh ben viing
cua be thdng va cung cip tdt ban
cac djch vu tai chinh vi md d khu
vyc ndng thdn. Tit ca cic boat
ddng trgn dang dugc BIDV phdi
hgp tich eye vdi cic dan vj lien
quan trign khai trong khudn khd
Dy in Tii chinh Ndng thdn III.
Ket qua cua nhiing nghign cuu,
ung dung nay se la nhung ddng
gdp thiet thyc cua Dy in Tai
chinh Ndng thdn va cua BIDV
cho mgt thj trudng tai chinh ndng
thdn hieu qua va an toin. •

<b>Chuyen muc nay do </b>

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