Phát triển thị phần, thị trường - tăng trưởng tín dụng an toàn, hiệu quả.pdf

<span class="text_page_counter">Trang 1</span><div class="page_container" data-page="1">

<small>Ngan himg vOlsu',nghiep phat tri~n,1101'1~~-~""II. ~~,,~: ,,'1\'11</small>

<i><small>OngNguy6nrM Khanh</small></i>

-

<i><small>PM ChUttch thwc1ngtrvc UBNDtlnh Namf)tnh trao B~ngkhan caaUBNDtlnhchonhl1ngr6 yayv6nc6nhidud6ngg6ptronghOfJtd~ngtTndllng</small></i>

<small>Anh:Monh Ha</small>

MQttrongnhLIngnguyennhanca <i>ruirovatiemanruiro.</i>

<small>bande co ket qua tren la NHNo&PTNT</small> 1 Ph

-

_{t t} <i><small>,,J'</small></i>

<small>TtWcIIi</small> NcAN<small>IIANC</small>

- 86

<small>4 NAM2004</small>

TS. Ph;.am )ling <small>Cil</small>

*

chiathi trLIang?Ly Ievandenaykhangtrinh bay a trong khuonkho bai viet,

tac dautlf tin d~ngnganhang.D6 la:- Phan chia thi trLIangde c6 cainhintLrnglinhvlfc kinhte r6 han,c6 slfphan bi$t muc de)phattrien,quy mo,thuan lai, kh6 khan... Til d6, c6 bienpha'pc0 the, nhLI:Phancongcan b'e),

'hinh thuc tin dl,mg,muc dQkha nangtai chfnh,t~p quan...C6 the n6i,phan

nhode nhinthauhan,r6 hanva khid6dedangc6 mQtquyetsachdautLI,lamchocanbQdedangtiepc~n,thlfc hi$ntac nghi$pnhanh,antoan,hi$uquavakhongngilngtangtrLIang.

<i>T6ml<;Ii:Chu dQngvi$c kiemsoat</i>

va quan Iy, chiem ITnhthi trLIang,de

<i>bien kh6 thanh de, tLrphLrct<;lPbienthanhcJangi{m,ai cOngc6 the tiepc~n</i>

va nam vCtngkhach hang,thi trLIangdautLIse an toan,hi$Uqua.

moi can bQ ph~ trach d!a ban phai

c~mdanCllsanxuat,kinhdoanh.Trenca sa d6 ma c6 bi$n phapd?u tLItind~ngthich hqp.

Day la mQtqua trinh cang phukhongchi 1 thang,1 quy,ma phailam

<small>, Giamdoc NHNo&PTNTtinh Nom Dinh29</small>

</div><span class="text_page_counter">Trang 2</span><div class="page_container" data-page="2">

<b>H,.-</b>

<b>viR~n~</b>" "-''''~'8<b>triin</b>

nhieunam,thuongxuyemc6 bo sung,dieu chinh d~ c6 mQtth! truong Iytuang(antoan,hi$uqua).

- Dong thai vai vi$c phanchia thi

<i>truong d~ phat tri~n va ma rQngthi</i>

phanthi phaiphan chia va phan lo~i

lo~i khachhang theo tieu chi A,B,C,ma phanlo~itheod~ctha kinhte cuatltng nh6m,khu vl!c khach hang; disauvaaphanlo~ikhachhangtheokhanangphattri~nsan xuat, kinhdoanh;khach hang c6 kha nang tai chinh;khachhangc6 trinhdQcongngh$cao,khachhangsanxuathanghoa,khachhangsanxuattl! cap...Trongtltng lo~inh6mkhachhangd6,ta xacdinhduqckhanangdau tu tin dl,mg,dQan toan,khanangphattri~n,tangtruang.

<i>TCthai van de tren ta c6 th~ ma</i>

rQngtin dt:mgan toan, hi$Uqua, ngaycangphattri~ntangtruOng.

<i>hangIan aa vay va ca cht/avayNganhang:Khachhangla cacdoanhnghi~ptieu thU cong nghi~p; v~n tai; nuoitrang,cM bien thuy,Mi san; tht/ang</i>

<i><small>mf)i</small></i>

-

<i><small>dtch Vl,lva cac 10f)ihinh sim xuat,</small></i>

<i>kinh doanh khac. To chuc Mp c~n</i>

theo tltng nh6m khach hang bangnhieu cach, nhu Mp c~n den tltngkhach hang, hQptheo nh6m khach

<small>hang, nham: Thu th~p cac thong tin</small>

<i>a</i>

tltng lo~i thi truong va khach hang,dongthai tuyentruyenket quadau tuvon cua NHNo&PTNT;Cong bo keho~chdau tu von cua ngan hangvacac thu tl,JCdon gian, thu~n lqi; GiClithi$u cac hinhthuc cho vay: Chovaytheo h~n muc; cho vay tltng Ian theodl! an, phuong an san xuat, kinhdoanh;cho vay ngan,trung,dai h~n;cho vay bo sung... Giai thi$uti$n ich

huy dQngvon, nham lam cho khachhang va nhCtngai chua hi~u biet

vay, nhu : Chari nuoi,trong trQt,chebien;trangtr~i, nganhnghe...;HQptovay von, c6 th~ hQptheo diem; HQp

giao ban to truang theo nQidung daduqccaiMn; HQpcacchudl! an... TCtvi$chQpban,tnamlu~ncongkhai,danchu, giai dap nhCtngban khoanthik

<i>hang va Ngan.hang; t~o 9uqc moi</i>

quanh$ binhdang,thangthanva longtin trong quanh$ vay von. M~t khac,thongquavi$chQpbanvaikhachhangdat~o moi,quanh$gi([aNHNo&PTNTvai cat;capu'y D~ng;'chinh quyen,doanthe diaphuang themgan b6 vatac dQngtich cl!c d€hquatrinhdautu

phuong.Do d6 ho~t dQngtin dl,Jng

<i>duqc ma rQng,khoi luqngvon dau tu</i>

cho cac thanhphankinhte ngaymQttang,t~o duqc longtin doi vai Dang,chinhquyenva nhandantrongtinh.

Tinh den 31/12/2003,nguon vonchiemtren 56% tong nguonvon huydQrg~uacacto chuctin.dl,Jng;Du nq '.chienftreo60%du nqchovaycuacac

dl!ng mangluai. Mangli1ajbo~!d9ngcua NHNo&PTNTNamDjnh rigay

<i>cangduqc ma rQngchiem.uu thenoi</i>

trQitrongcacto chuctrnd~ng.'trendiaban.Den31/12/2003,c612 chinMnh

III; 6 phonggiao djch va d~c bi$t cO3.861to vay von la canhtay VlIondaicua NHNo&PTNTtai tltng thon, x6mho~t dQngsoi noi va hi$u qua, vCli

196.399hQthanhvientrongcacto vayvon, chiemty 1$gan 50%tong so hQnongdantoantinh.Trongd6, tren diaban thanh pho Nam Dinh c6 Vanphong Ngan hang tinh trl!c Mp kinh

cac phuong,2 nganhangcap II thanhpho va khucongnghi$pHoaXa ho~tdQng.

Neu nhu truac kia NHNo&PTNTNamDinhcM trQngdi lentCtthi truangnong nghi$p,nong thon, thi tlt nam2001, NHNo&PTNTcap II thanh phoNamDinhduqcthanhI~p,sau2 namda nhanhch6ng chiem linh duqc thitruong.Den 31/12/2003, nguonvonhuy dQngtren dia ban thanhpho d~t325 tY dong,tang gap 7,5 Ian; du nqd~t 235 ty dong,tanggap 10,2Ian sovai dau nam 2001 khi mai thanh I~p;thu hut tang them hang tram khachhanggiaodichva vayvontrendia ban

<b>2. Nang coo chat<small>IUc;Jng</small></b><small>tinl</small>

<b>dyng va h9n chi rui ro</b>

De c6 thi truong tin dl,mg<small>an toan'l</small>

nhieuyeuto, nhungtrong

d6

<small>phaix2C1</small>

dinhrangyeuto chuquanla cuaNgaolhang,trongd6 can bQtin dl,Jnglachulyeu.Dod6, de nangcaochatluqngtindl,Jngt~i NHNo&PTNT Nam Dinhqchungtoiap dl,JngmQtso bi$nphapcO!bansau:

vay va Ngan hang.De cho mQitanglapnhandanngaycanghieura hantindl,lngnganhang,de dangMp ~n voiNgan hang.Cac cap uy Dang,chinhquyen,'doanthe chinhtrj, dayla triMla ll!c;luqngkhongthe thieu,phoihqp

Vi dl,J:Hang nam, 100% uy ban

nhandancacxa dungra tl! tochuctong ket danh gia ho~tdQngcho vayvoncuaNganhang.Vi$cnaydac6tac

<i>dQngrat Ian tai ma rQngtin dl,Jngva</i>

<i><b>Th(fhai:Xii Iy tnrctiepbangcac</b></i>

-

<small>C6 quy dinh ch~t che vClican bQ</small>

tin dl,Jngtrong Mp c~n phanchia thi

<small>ho~t dQng tin dl,Jng</small>

<i>a</i>

<small>cac dja ban khac</small>

nhauve tot,xau,nhatla ruiroda,dangva se xay ra hangthangdoi vClicanbQtin dl,Jng,hangquydoivai khachhang.

bQvi ph~m.

- To chuc cac doan can bQtang

<small>wong thuong xuyen</small>

<i>a</i>

<small>cac ngan hang</small>

<i>co sa, kiemtra,phathi$nvCtagiupgiai</i>

<small>T.6P em</small> NcANnhNG

-

&6<small>4 NhM 2004</small>

</div><span class="text_page_counter">Trang 3</span><div class="page_container" data-page="3">

<small>Ngin</small>

~:~,~,~Af~~,~~,i~

-

CamcanbQtind~ngtrL!cMp thu chuy~nngaysangquah9nd~dondoc Trangnam2003,darasoa~tat canq,thulai.To chucto thu ILfUdQng thu. cacm6nvayit~tienhanhXLr,IyJuifOtheolicha diabanmoithangtcr1-2 3. Natranghan:Phanranatotva 142m6nvaisolienla 358tri$ucfong,ngay,<i>Vi$cgiah9nnq,dieuchinhky</i> pgcxau,'nqxau I'~pbienbanchuy~n Tuynhien,van"thL!chi$nnghiemtuch?nnq1thangkhangqua5%som6n;;ngaysanQ"pqqu~ h9ndondocthu vi$ctrfchI~pdl,Iph6~gJ9iratheodung

<small>56 1627/2001/QD-NHNN va Quyet,;:M>x~u,'khang con nqqua h90 chLfa</small>

-

_T<small>'"</small>

t<small>-,"</small> h^". h^{' '}<small>hbLfff</small> d<small>','</small> hd^' h ^..- 72/Q<small>L'I</small> H<small>L'l</small>

QT NHN &PTNT ^" h<small>""0"'</small>

1^-' d t^' <small>h</small>- .'

t <small>'-J!3P~c ,9an c In, vC; , I, cac!n sou-u0c</small> lIyeg,<small>a,l, <;>ngLf n Lfng namrLfac.</small> I^' <small>~</small>

,-h^' th<small>'- '</small>t<small>Lf~'</small> 'Jh<small>"</small>

<small>th</small>^o <small>k</small>^'o' <small>t100°/</small> h^"-<small>t0"'00",ang,9C,I~,Ienm9n,vaouVL!c</small>

h^"h<small>' ",'"'</small>

I d t t ^' t^' h <small>..0,,""",.,,',,,'-',',,an</small> p 0, ,cace uyong.ngl~p, <small>C;l:lm</small>

<small>anvaquye I~, e an glal,IccaIhLfan</small>g xuyen<small>,</small>

t^' <small>h t</small> ^'L'I ^~ <small>th""",',-''""</small> ren la an' an p 0 LfangxLfng-val

le~quyex~ y ~ co<small>0</small>

~ n?~n o~o~,

<i>-~i'capHL</i>dLiqecai<small>d~NIf9Qng chuye,n.,n<1""0";'-; '0'",:,~~'</small>

<i><small>c~atIl1qng,tot, chung t~1gQI I~oe</small></i><small>Chlen"'qu~Y'h~~,M~tkhac,NH~o&P.TN.Ttinh,,;KI:n t:1cac kl~;n~~ap,r:p9~hn~am</small>

<small>d!3,h</small>1~..-5Ian:trong6 t~ang, klemtra, hangquy,.toch(rcdoaDki~rntr,~,F,ki~m"cu~g c?~~~a~gcapch~t)~qD~Y~~~O~:

nqquah9nc6khanang<i>thuhoivakh6 dauhi$unqxau,laidQng,nqdenh9n</i>-

GiCrvCrngva phathuythanhqua

to chCrctin d~ng (TCTD) cho vay.Trangxu hLfangc9nh tranh va phattrianh09tdQngnganhangngaycang

vachocongnghi$phoa

-

hi$n d9i hoa

<i>TCTDh09tdQnga nongthan,ma con</i>

co51!thamgia dongdaocuacacnganhangthLfangm9i (NHTM)khac. Tuynhienphai kh~ngdinh chu ll,Ictrangvan'ded6van la h$thongNganhangN6ngnghi$pva phattri~n NongthanVi$tNam,Trangihai gian qua NganhangNha nLfaCthL!chi$n dieu hanhchfnhsachlai suattheoquanh$cungcauvontren thi trLfangva cacyeu tokinhte vi mo, Chfnh sach lai suat

T~ CIIiNCAA<small>IIANc</small>

s6

<small>4 NAM2004</small>

ThS. Tr~n Bid qtt6e Tu~

*

dLfangt90 tam 19tot doivai gLritiend6la dQnglL!ctac dQngIanden vi$c huydQngvon cuah$thongNHTMva Quytin dQngnhandan,Dongthaithu nh~pquoc dan trong thai gian qua tangnhanh,th~hi$nGDPtangtrLfangcao,TY 1$tiet ki$m so vai GDPcOngtangkhatronggiaid09n1995den2003chonentac dQngden vi$cgLritien vao h$thongnganhanghangnamtangcaveso tLfangdoi va so tUY$tdoi,g6p phandang k~ gia tang nhanh nguon vontrang nLfachuy dQngdLfqcd~ dau tLfcho m~c tieu phat tri~n kinhIe nong

Ket qua thL!Chi$n cho vay nong

<small>nghi$p</small>

-

nang thon theo Chi thi so202/CTngay28/6/1991va Nghi dinhso 14/CPngay2/3/1993:tfnhden cuoinam 1998cac TCTDda cho vay 3,3tri$u hQnongdan,tang 6 Ian v~ tong

<i>'--dLfnq lenden 17.000ty dong,tang69Ian so vai nam 1991,a cac giai d09n</i>

tieptheothl,Ichi$ncac NghiquyetcuaDang,Quyetdinhcua Chfnhphu,dautLfvoncuacacTCTDchonongnghi$p

-

<small>nang thon tiep t~c tang nhanh, C6</small>

th~ n6i, trong thai gian qua nganhNgan hangda thanh cong trong chovay trL!ctiep den hQsan xuat la dQnglL!cquantrQngphattri~nkinhte xa hQi

va thl,Ichi$ncongnghi$phoa

-

hi$n

<i>- So hQva dLfnq von vay cuacac</i>

hQsan xuat tranggiai d09n naytanglien t~c,da g6p phan rat quan trQngtrangvi$cthucd~ysanxuatnang,lam,ngLf, diem nghi$p phat tri~n, tangnhanhsan xuat ILfangthl,Ic,dam baodLfqcILfangthl,Iccho lieu dungtrangnLfacva danhmQtphanchoxuatkh~u,

<small>Phu Yen</small>

<small>31</small>

</div>