Kết quả 3 năm thực hiện công tác chi trả và tham gia thanh lý các quỹ tín dụng

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<b>K~tqua3 namthyehi~neongtie ehi(fa vath~ giathanhIy eaequytind~g nhandanb!giaithe</b>

<b>Vii Clliull</b>

<b>*</b>

N

gay khi khai tnldng h09td(mg, Bao hiem tien gUiVi~tNam (BHTGVN)da phaitianh~mhtrien khai gap nghi~pVI,!chi tratien bao hiem t9i Ouy tin dl,!ngnh€mdan R9ch Soi, tinh Kien Giang, dapU'ngkip thdi yeu cau chi d90 cungco, chan chlnh, ho~mthi$n va phattrien h$ thong Ouytin dl,!ngnhan.dan(OTONO) cua B9 Chfnh t~, Chfnhphu va Ngan hang Nha mlac(NHNN). Trong hdn ba nam qua,BHTGVN da tiap tl,!C trien khainghi~p vI,!chi tra tien bao hiem chongl1digUitien t9i 32 OTONOtren d!aban 10 tlnh, thanh pho phu h<;lpvajtian trinh cung co, chan chinh vaphat trien h~ thong OTONO.Kat quathlfC hi~n chi tra tien bao hiem chQngl1digUitien da g6p phan duy tri sifon d!nh va phat trien h~ thongOTONOn6i rieng va h~ thong cac tochuc tin dl,!ng(TCTO)n6i chung, baov~ dl1<;1cquyen va 1<;Iifch h<;lpphap<small>.</small> cuangl1digU'itient9icacTCTOb\dova. Sau khi chi tra tien bao hiem,BHTGVN da phoi h<;lpvai cac chinhanh NHNN, h9i dong thanh IyOTONOva cac cap chfnh quyen d!aphl1dngtiap tl,!Cto chuc tot vi~c theod6i thlfChi~n thanh Iy va thu hoi tienda chi tra t9i cac OTONO.

Vi$c trien khai cang tac chi tratien bao hiemva tham gia thanh Iyt9icac OTONOb! cham dUt h09t d9ngva mat kha nang thanh toan trongthdigianquac6 thu$n1<small><;Iila:</small>

- Sau thdi gian thfdiemthanhI$pOTONO, hau hat cac OTONO dadl1<;1cchuyendoi h09t d9ngtheo Lu$tcac TCTOva Lu$t H<;Iptac xa va tiaptl,!Cdl1<;1ccung co, hoan thi~n va phattrien h~ thong OTONOtheo chi th!

<i><small>OngNguyln EJlnhLI/IJ</small></i>

.

<i><small>Ph6rdng giamd6c880 hiemueng(fj Vi~tNamtrfnhbayBaocaoso Mt 3</small></i>

<i><small>niimthl/Chi~nc6ngtacchitr8ueng(fjdl/rlCbaohiemvathamgiathanh19t~ cacQTDNDbl giaithe</small></i>

Anh:<small>MD .- BHTGVN da nh$n dl1<;1cSif quantam, ho tr<;l, phoi kat h<;lpch~t checua cac VI,!, CI,!CNHNN Trung l1C1ng,cac chi nhanh NHNN tlnh, thanh pho</small>

va cac cap uy, chfnh quyen d!a

<small>phl1dng trong qua trinh to chuc vi~cchi tra tien bao hiem cho ngl10i gU'itien va tham gia thanh</small> Iy OTONO.

<i>Tuy<small>nhien, nghi$p VI,! bao hiem</small></i>

<small>tien gUi n6i chung, trong d6 c6 cangtac chi tra tien bao hiem va tham giathanh Iy cac</small> OTONO <small>n6i rieng langhi~p vI,! mai, thdi gian to chuc thlfChi~n 19itren d!a ban nang than la chuyau, dieu ki~n dam bao an toan tienva tai san trong qua trinh chi tra g~pnhieukh6khan,chl1a c6kinhnghi~m de xU' Iy cac wangm~ctrong chi tra tien bao hiem cho ngl1d.igUi tien va tham gia thanh Iy cac</small>

OTONO <small>giai the, vi v$y, ben c9nhnhiing kat qua bl1ac dau, van conm9t so h9n cha can phai c6 thdi gianduc rut kinh nghi$m de hoan thi~n</small>

<small>57/CT-TW ngay 10/10/2000 cua B9 .Chfnhtr!vaOuyatd\nh135/2000/0D-TTgngay 28/11/2000cua Thu tU'ang Chfnh phu. Hai Lu$tmai (Lu$t cac TCTO va Lu$t H<;Iptacxa) cung cac van ban chI d90 cua B9Chfnh tr! va Thu tU'ang Chfnh phu dad!nh hU'angva chI d90 thlfc hi~n cacgiai phap de cung co, hoan thi$n vaphat trien h~ thong OTONO. Day lathu$n l<;IiIan cho h~ thong OTONO,cho cang tac quan Iy cua NHNN vaxU'Iy chi tra tien bao hiem cua BHT-GVN.</small>

<small>- Sau vi~c thlfC hi~n chi tra tienbao hiem cho ngU'di gUi tien t9iOTONO R9ch Soi, tlnh Kien Giang,BHTG VN da rut ra dU'<;Icnhiing kinhnghi~m ba.n dau, qua d6 da banhanh Ouy d!nh cua Bao hiem tien gUiVi$t Nam ve chi tra tien bao hiemlam cd sa cho vi$c to chuc trien khai,thlfc hi~n quy trinh nghi$p vI,! chi tratien bao hiem dam bao chI dao vatrien khai thong nhat trong to~n h$thong.</small>

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<small>cac quy d!nh nghi$p VI,!.</small>

<small>Cac quy dinh cUa phap lu$t lienquan den bao hi~m tien gLti cannhieu bat cap, trong d6 di~n hinh lavi$c hL1angdan giai tt:J~cac TCTOcon lung tung, mau thuan, vi trf chun9 cua BHTGVN va tr$t ttf L1utienthanh toan chL1adong b9, chL1a rorang; Hau het cac OTONO b\ chamdUt ho?t d9ng va mat kha nang</small>

<small>thanh toan deu da rC1iVaG tinh tr?ngpha san tLr nhieu nam trL1ac, nhL1ngchL1aco CC1che pha san va CC1che xuIy...</small>

<b><small>I. KEr QUA CHI TRA TlEN BAD HIEM,</small></b>

<b><small>THAM GIA THANH</small>LYcAc<small>QTDNO vA</small></b>

<b><small>THUHOIN' CUABHTGVNSAU 'CHITRA</small></b>_." , '"

<small>tra bao hi~m la14.667.985trieudong, t?i 32 OTONO b! cham dUtho?t d9ng va mat kha nang thanhtoan d 10 tinh, thanh pho tren toanquac gom: Kien Giang, Hai OL1C1ng,Hai PhOng, Nam D\nh, Thai Binh,HL1ngYen, Ha Tay, Bac Giang, VinhPhuc va Long An, trong d6 cacQTQNOd Kien Giang la Ian nhat.</small>

<small>Nhin chung, cong tac chi tra tienbao hi~m cho ngL1aigLti tien t?i cacQTDND</small> trong thOi gian qua deu

<small>dL1dctien hanh nhanh g~m, dam baochinh xac va an toan tai san theodung cac quy dinh cua phap luat vebao hi~m tien gLti, t?O dL1<;jcniem tincua nhan dan d!a phL1C1ngnC1ichi tratien bao hi~m cOng nhL1tren toanquac ve chinh sach bao hi~m tien guicua Dang va Nha nL1ac.COng quavi$c nay lam tang long tin VaGstf ond\nh va phat tri~n h$ thong OTONOva h$ thong ngan hang, g6p phanVaGSL1phat tri~n on d\nh h$ thongngan hang va on d\nh tinh hinh an"inh, tr$t ttf xa h9i t?i dia phL1C1ngc6</small>

QTDND bi <small>cham dUt ho?t d9ng,</small>

<small>nang cao dL1<;jCnh$n thuc ve chucnang, nhi$m vI,! cua BHTGVN trL1accong chung va cac to chuc tin dl,!ng.</small>

<b><small>2. Ka't qu8. theo doi, tham gia</small></b>

<b><small>thanh</small>ly QTDND va thu h6i 86</b>

<b>ti~n sau chi tra bao hi4fm</b>

<small>BHTGVN da phoi ket h<;jp ch$tche vai chi nhanh NHNN tlnh, thanhpho, cac cap chfnh quyen va tLrngh9idong thanh Iy OTONO to chuc theodoi sat tinh hinh thanh Iy cac OTONOgiai th~ dL1<;jcchi tra tien bao hi~m,phan tich thtfc tr?ng cac khoan phaithu va cac khoan phai tra trong thanhIy cua tLrng quy, phan tich nguyennhan, tim bi$n phap thu hoi cackhoan n<;jd~ c6 nguon chi tra chocac chu n<;jtheo tr$t ttf L1utien thanhtoan. CI,!th~:</small>

<small>- Tong so tien thu hoi trong thanhIy la 14.017,15 tri$u dong, d?t 28%so vai tong phai thu la 49.794,37tri$u dong, trong d6 gom cac n9idung ve: Thu n<;jcho vay thanh vien(thu n<;jcho vay c6 dam bao bang taisan va thu n<;jcho vay khong c6 dambao bang tai san); Thu n<;jcho vay tochuc tin dl,!ng khac (d?t 100%); Thuthanh Iy tai san; Thu hoi boi thL1angv$t chat va quy trach nhi$m; va cackhoar:1phai thu khac.</small>

<small>- Tong chi trong thanh toan chocac chu n<;jva chi phi thanh Iy la11.619,25 tri$u dong, d?t 27% so vaitong cac khoan phai tra la 39.964,45tri$u dong, trong d6 gom cac n9idung: Chi tra tien gui dan cu' can l<;Jisau chi tra tien bao hi~m; Chi tra chocac chu n<;j khac; Thanh toan choBHTGVN va thanh toan quyen l<;jicho cac thanh vien cua OTONO.</small>

<small>- Cac khoan n<;jphai thu can l<;Jila</small>

35.777,22 <small>tri$u dong, gom: N<;jchovaythanhvien</small> (30.709,23 tri$u

<small>dong); Gia tri tai san can l<;JichL1athanh Iy (1.678,6 tri$u dong)...</small>

<b>3. V~ kha nangthu h6i nf!8au chi tra mia BHTG t~i cac hQid6ng thanh ly QTDND</b>

TroQg

so

<small>32</small>OTONOda thtfc hi$nchi tra bao hi~m, c6 tinh hi~ nhL1

<small>- chi c6OTONOKe S$t, tlnh HaiOL1C1ngda ket thuc thanh Iy do dathanh toan xong cho cac chu n<;jvaquyen l<;jithanh vien cua Ouy;</small>

<small>- C68/31OTONO da thanh tOan9xong tien gui dan CL1va thanh toanxong cho cac chu n<;jkhac, .neu t$nthu dL1<;jccac khoann<;j can kha nangthu thise tra dL1<;jcm9t phan n() choBHTGVN. Tuy nhien, kha nang thuhoi n<;jtai cac OTONO nay la rat thapdo n<;jc6 kha nang thu chi chiem tll$tren 30%.</small>

- C6 15/31 <small>OTONO chL1athanhtoan xong tien gui dan cu'va cac chun<;jkhac. Neu t$n thu dLi<;jccac khoimn<;jcan kha nang thu thi c6 th~ thanhtoan dL1C1Cm9t phan cho BHTGVNsau khi da thanh toan het cac khoantien gLti dan cL1va cac chu nC1khac.Tuy nhien, kha nang thu hoi n<;itaicac OTONO nay cOng rat thap.</small>

<small>- C6 7/31 OTONO khong can khanang thu cho BHTGVN vi neu c6 t$nthu het cac khoan nC1can kha nangthu, cOng khong thanh toan du chotien gui dan cL1va cac chu n<;jtheotr$t tL1L1utien thanh toan cho cac chun<;j.</small>

<b><small>II- NHONG H~NCHE, TON T~I,NGUYEN</small></b>

<b><small>NHAN vA BAI HOCKINH</small></b> <small>NGHI~M</small> <b><small>QUA</small></b>

<b><small>3 NAM THI1C HI~N CHI TRA TlEH BADHIEM.THAMGlATHANH</small></b> <small>LY</small> <b><small>cAc</small></b>

d9ng va xac d!nh chinh xac so tienmat kha nang thanh toan den thai

<small>di~m cham dUt hO<;Jtd9ng. Day la tontai va kh6 khan Ian cho viec theo doi,phan tfch va de xuat cac giai phaptrong qua trinh thanh Iy va thu hoitien cho BHTGVN.</small>

<small>- Oua ki~m tra va xac nh$n soli$u t<;Jibang ke danh sach ngL1aiguitien, thtfc tien thtfc hi$n chi tra tien</small>

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bao hiemcho<small>nguCii</small>gU'itien t9i t6chuc tham gia bao hiemcon gap mi?tso kho khan, vuang mac phai xin ykien xU'Iy doi vai cac CC1quan quan IyNha nuac co tham quyen nhieu Ianmai dU9cxU'Iy va giai quyet. Nguyennhan do trong khau huy di?ng vancua cac t6 chuc tham gia bao hiemtien gU'i,chua phan anh day du cacni?idung quy d!nh tren chung tU vas6sachketoannhu:Sochungminhthu nhandan, lai suat qua cac thCiikyhuy di?ng,chCtky mau tren s6 luu s6ke toan chi tiet ho~c chua doi chieunC1va khoa s6 ke toan VaGthCiidiemcham dCtth09t di?ng theo quy d!nhcua phap lu$t...

- Tuy ket thuc chi tra tien baohiem, cac OTONOdU9c chi tra tienbao hiem deu ky xac nhan n9 vaiBHTGVN, cong nhan quyen chu n9cua BHTGVN doi vai so tien baohiem da chi tra cho nguCiigU'itien t9iOuy. Nhungcac quy ph9m cua phaplu$t de xac lap quyen chu n9 cuaBHTGVNchua quy d!nhtrong truCingh9P t6 chuc tham gia bao hiem tiengU'igiai the va mat kha nang thanhtoan (Ml,jc 5 Ngh! d!nh so89/1999/ND-CPchi quy d!nh doi vait6 chuc tham gia bao hiem tien gU'ib!pha san).

<b><small>2.</small>Trangcong tac thanhly</b>

- Hi$u qua cong tac thanh Iy d9tthap, co dau hi$u bieu hi$n cua slj tritre t9i hi?idong thanh Iy OTONOdanden ket qua thu hoi trong thanh Iy chid9t 28% t6ng cac khoanphai thu, ketqua thanh toan cho cac chu n9 chidat 27% t6ng cac khoan phai tra,khong d9t tien di? thanh Iy theophuC1nganthanhIy du9cduy$t.

- ThCii h9n h09t di?ng cua hi?idong thanh Iy keo dai, co nC1ivi ph9mquy dinh {;ua phap lu$t. ThljC tr9ngnay the hi$n slj lungtung cua NHNN,cua chfnh quyen d!a phuC1ngva Sljbat c$p cua cac quy dinh phap lu$t,'slj mau thuan giCtachi d90 xU'Iy thljC

tien vai cac quy d!nh phap lu$t.

<b>3.Nguyennhan cUa nhii'ng</b>

<small>-</small> <i>Ve nh(fJnthUc:Mi?tso can bo</i>

tham gia thanh vien hi?idong thanhIy, cap uy, chfnh quyen d!a phuC1ngchua nhanthuc dung dan ve vai tro ynghia cua cong tac thanh Iy doi vaivi$c cung co chan chinh h09t di?ngcua h$ thong OTONO.

<i>- Ve to chUccua hQ!dong thanh</i>

<i><small>1'1 QTONO:</small></i> Hauhetthanhvienthamgia hi?idong thanh Iy OTONOla caccan bi?chu chat ij d!a phuC1ngdu9Cphan cong kiem nhi$m lam cong tacthanh Iy. Trinh di?, nang IljC va kinhnghi$m cuadi?i ngOcan bi? nay vecong tac thanh Iy OTONOcon h9nche, 19ib$n qua nhieu cong vi$c ijd!a phuC1ng.

<i>- Ve ceJcM, chinh sikh cua cong</i>

<i>tac thanh Iy: Chua co ceJche xU'Iy n9</i>

khong co kha nang thu, chua co quyd!nh ve chi phf cho h09t di?ngthanhIy, chua co huang dan ve trinh tlj vathu tl,jc ket thuc thanh Iy khi khongcon kha nang thu n9 va thanh toannC1.00 v$y, nhieu hi?idong thanh Iycon rat lung tung trong vi$c xU'Iy cacvan de tren dan den khong ket thucduC1cthanh Iy trong khi biet chac lakhongthu hoi va thanhtoan dU9chetcac khoan n9.

<i>- MQts6 va:nde khOkhan khac</i>

<i>nhu: Thljc tr9ng kho khan ve tai</i>

chinh cua cac OTONOtruac khi du9CBHTGVN thanh I$p va di VaGh09tdi?ngmaidu9CxU'Iy bangCC1che baohiem tien gU'i;N9 d9ng do cho vaycac thanh vien...

Oua cong tac chi tra tien baohiem va qua trinh tham gia thanh Iy,BHTGVN da rut ra dU9c mi?tso baih9Ckinh nghi$m nhu sau:

<i>- Ve cong tac chi d?Qd!eu hanh:</i>

Phai kip thCiiban hanh va hoan thi$nC(j che, quy che lam nen tang chovi$c t6 chuc thljc hi$n nghi$p Vl,jchitra va theo d6i thanh Iy;

<i>- pM! cM dQngph6i hc;Jpdong bQ</i>

giCtaBHTGVN vai cac cC1quan Nhanuac co tham quyen, cac cap uy,chfnh quyen d!a phuong va hoi dongquan tri, ban dieu hanh cua tUng t6chuc tham gia bao hiem tien gU'ivavai chi nhanh NHNN tinh, thanh phode ban bien phap t6 chuc thuc hi$nchi tra mi?t cach nhanh g9n, chinhxac, kip thCii;

<small>-</small> ThuCingxuyen t6 chuc cac lapdao t90 va t$p huan nghiep vu chocaccanbi?,botrisU'dl,jngcaccanboco kinh nghi$m, dap ung dU9c yeucau xU'Iy nghi$p vl,j khi slj co baohiem xay ra;

- Tranhthu slj quan tam, giup da,t90 dieu kien cua cap uy, chfnhquyen, d~c bi$t la Ngan hang Nhanuac va cC1quan phap lu$t cua Nhanuac doi vai cong tac chi tra va theod6i thanh Iy;

- Phat huy hC1nnCtatfnh chu dongsang t90 cua di?i ngOcan bi? BHT-GVN tU Trung uC1ngden d!a phuC1ngde xU'Iy cac vuang mac trong congtac chi tra va thanh Iy.

TCtnhCtngton t9i va vuang mactren ve cong tac chi tra va tham giathanh Iy, BHTGVNda co mi?tso kienngh! va de xuat:

- Doi vai Chfnhphu va Ngan hangNha nuac ve chinh sU'ava b6 sungmi?t so diem t9i Ngh! d!nh so89/2000/ND-CP, Thong tu so03/2000/TT-NHNN5 ve bao hiemtien gU'ico lien quan den vi$c xac I$pquyen chu n9 cua BHTGVN doi vait6 chuc tham gia bao hiem tien gU'idU9Cchi tra tien bao hiem cho nguCiigU'itien trong truCinghC1pgiai the docham dCtth09t dong va mat kha nangthanh toan; Ve thljC hi$n tr$t tlj uutien thanh toan cho cac chu n9 trongqua trinh thanh Iy cac t6 chuc thamgia bao hiem tien gU'igiai the hoacpha san theo quy d!nh (Ouyet dinh

16/6/2003cua NHNNtheo huang khigiai the, pha san thi vi$c thanh Iy taisan va thanhtoan n9 phai dU9Cphand!nh ra chu n9 co dam bao va chu nC1khong co dam bao, cac chu n9 co

T~ em NCM<small>I1ANc</small>

86

<small>8 NAM2004</small>

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dambao du<;jcthanh<small>tOEm</small>thee gia tr!tai san dam bao, cac chu n<;jkhongco dam bao phai du<;jcthanh toantheoty 1$theo phan khi thu hoi n<;j;Ve bo sung quy d!nh ve thOng tin,baocao ket qua thanh Iy cua cac h(>idongthanhIy QTDND cho BHTGVN

d§phoih<;jpvatham gia vao hO<;ltd(mgthanh Iy cac QTDND; Ve vi$cquydjnh,huangdan ro hem,phu h<;jp

hemcac CC1che, chinh sach lien quanden cong tac thanh Iy QTDND nhu:xu Iy n<;jkhong co kha nang thu, quydinh ve chi phi cho hO<;ltd(>ngthanhIy, huang dan ve trinh tl,!'va thu t(,lCket thuc thanh Iy khi khong can khanang thu n<;jva thanh toan n<;j...

- Doi vai cap uy, chinh quyen d!aphuC1ngva B(>Hi chinh, BHTGVN

<i><b>Trao dol cae thu~t ngii:</b></i>

kien ngh!: Vi$c quantam chi d<;lodoivai h(>idong thanh Iy d~ nang caohi$u qua hO<;ltd(>ngtrong qua trinhthanh Iy; co quy d!nh c(,lth§ ve chiphi cho h(>idong thanh Iy QTDNDdeap d(,lngthong nhat; vi$c cho phepBHTGVNdu<;jcchi hoa hong, thuongcho cac CC1quan ho tr<;jBHTGVNthuhoi n<;jkho doi cua phan tien da chitra BHTG..

B^uacvaonam

<small>2004,nen kinh te</small>

nuacta phai doi m$t vai nhieukho khan, thach thuc Ian: tMitiet khongthu~n, d!ch cum gia eam,gia ca nhiJng nguyen v~t li$u thietyeu nh~p kh~u, IUC1ngthl,!'c- thl,!'Cph~mtang m<;lnh.NhiJngthach thucayda gay kho khan cho san xuat vaddi song, ma bi§u hi$n t~p trung lachi so gia tieu dung (CPI) trong 6

<i>thangdau namtang t6i muc 7,2% so</i>

vdi chi tieu Quoc h(>ithong qua choca namla 5%.

Moi quan tam 10lang cua xa h(>itrudctinh hinhv~t gia lea thang du<;jc

<small>I</small> cac nha nghien cUu, cac nha hO<;lchd!nhchinhsach gia ca - tien t$ danh

<i>gia ve muc d(>va giai thich 51,!'</i>vi$cvdi nhieu lu~n di~m khac nhau. ConhU'ngkhai ni$m rat m6i me ve hi$ntU<;Jnggia tieu dung gia tang nhu:L<;ImphatcC1ban, l<;Imphat thl,!'Cchat(Core Inflation); l<;Imphat phi d~y(Cost- push inflation); l<;Imphat caukeo(Demandpull inflation)...

NhU'ngthu~t ngiJtren day chi co

y

nghia tham khao doi v6i cac nhanghi€mcUukinh te. Can doi v6i congchung,dieu ma h9 quan tam la chiso gia tieu dung gia tang co nghia lEi-

<i>mucl<;Im</i>phattang cao. Ma l<;Imphat

<small>I</small> <i>tangthi suc mua cua dong tien, mucthunh$p,mucsong cua h9 giam sut.</i>

<i>toan muc tang giam gia tling nhom</i>

hang hoa, djch v(,l,tong h<;jpISlithanhchi so gia tieu dung trong ky kehO<;lch(thueJngla thang) va so sanhvaj cac tMi dj~m: thang tru6c, cuoinam truac, cung ky nam truac va kygoc.

0

<small>nuacta,theotruyenthong,</small>trong tMi ky quan Iy kinh te t~p trungtru6c kia cOngnhu trong cC1che kinhte th! trueJnghi$n nay, Quoc h(>ivanlay CPliam m(>ttrong nhiJngchi tieu

<i>kinh te quan tr9ng, coi do la muc l<;Im</i>

phat, "thu6c do suc khoe" cua nenkinh te tUng theJi ky (thang, quy,nam). Cac to chuc tai chinh quoc te

<small>cOng</small>

sa

<small>d(,lng chi tieu CPlcua'-ta d~</small>

nghi€mcUu.BOiv~y,tling nganh kinhte, tUng dja phuC1ng,tUng doanhnghi$p, th~m chi tling ca nhan deuquan tam den chi so gia tieu dung

<i>tUcmuc l<;Imphat. BOi"dong tien lien</i>

khuc ru(>t",no lien quan den ket quakinh doanh cua tling doanh nghi$p,den 51,!'tang giam gia tri tai san (tien

<i>gUingan hang)va mucthu nh~pthl,!'C</i>

51,!'cua tUng ngueJi,tling gia dinh.Trong 10 nhom hang cau thanhCPI, tuy theo tfnh thong d(,lngva tamquan tr9ng cua tling nhom hang doiv6i san xuat va deJisong ma Tongc(,lc Thong ke quy dinh cho moinhom hang m(>tquyen so (ti tr9ng)nhat dinh. Vi d(,lnu6cta la nu6c n6ngnghi$p, dan so t6i 80% la nong danva chi phi ve IUC1ngthl,!'C,thl,!'Cpham

<i>chiem t6i 60 - 70% muc sinh hO<;lt</i>

hang ngay. Cho nen quyen so giaIUClngthuc, thl,!'Cph~m chiem t6i47,9% CCIcau chi so gia tieu dungtrong khi nhom nha 0, v~t li$u xaydl,fngco quyen so 8,2%; nhom duClcph~m y te la 2,4%... Quyen so naydo CCIquan co th~m quyen tfnh toanm(>t cach khoa h9C d~ quy d!nh,thueJnggilt on d!nh trong m(>ttheJigian dai, khong CC1quan nao, d!aphuClngnao du<;jctuy ti$n thay doi.

.

<small>Ha N6i</small>

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