phân tích hình hình huy động vốn và huy động cho vay tại quỹ tín dụng nd phường 3, tp trà vinh

hoa,1 dons kinh doanh cir qut lin dung cnngbu6rgrdiDuc dhh cn6ici,ng liiloinhuin.. Ddnh gii khri ndne ddp nng vitn cna qut tindung tu d6 njlra DOt sij giAi phap nhim ndog cao hoat .tong

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c o ! ru J n t s l , u n e ' io., rn n;is \d nr 'l( -;L fr rhuog r,,nl' d x o r , , o n g i n h k atodn vdinhiau ciip d6 khdc nhau da phuc vu clo qu6c gia trolg tu(nle lai

Trong khi d6ltuahg Dai tloc rd vinh cnng da vd dane nang cao trinh d0 day

\ a l ^ c c h o 8 i ^ o \ i i n v d rn h l i n i d r r l _ g D o \j r n h x r r u o p lu o n l u o n r d o d i a Lkien cho ch,:ns en dap lhu nhiing kinh nghieDr ben ngoii dd chtng en hidu sau hmv; nginh ni binh danghac

HiCn nay vier Nam cd ril nhiO{ co quan ddn !i vdi quy m6 nh6, vna vn ldn nen

r i J n h o a r d o n p c i r , " 6 n n i i t r r ' l l - 1 \ i u , r n h i f i r o n j o c i , 1 8 p H , c ; l n c o b o

phen ka roin !idey li yau 16 qu lrong cLl.ci1c don !i vd dn th6.do ttri mong nu6nci! cdc nhd.lqanh Dshiop c,ic rhd dd! ru cins li k6t quiL cu6icnng cna querinlr hodiDs ki.h doanh Vi $a dua lio thqc liang d6 cna crc nhi domh nghi€p Viet Namcnns vti su giing dey va huOng din crla cic thay cO trong ltultng Dai Hoc Tri Vinh,.cn em dd chen cho ninh dirii"PH^N TicH TiNH HiNH HUY DoNG vdN vAcHo vAY T4I QUi TiN DUNC NHiN DAN PHUONC 3" d6 ldm dd Gi chinh

vi cdc don !i dau mons mu6n kar quiiL or6i cirds ld lqi nhuan n€n n6i do vi.ldu.phdi co nhnng phums phdp hoat d6ng rions cho minh- liong d6 don !i qut lindung nhad dtu phuong I cnng lij mot lrons nhrng co quan c6 cac yCu ld ma qui tindu.g ci! c6 Qud 6 Luin thqc dp rdi di] cnr h$ dtrdc ih nhiou kinh nshien tu cr:canhchitrong coquan vi cnng nhi' qua chuyiD thuc tap cu6i kno6 nnv cn da ich 1u)'cho ban than minh khong il kinh nghiqm d; lhuc !u cho c6ng viac lumg Iai cna em

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i* iut a, *ti,itn *nte' qui si6 tt, cac anh chi dde tam viic tei dav De c6 dusc

nhu vE, hudc hA em xin gdi ldi c'm m cban thd'h den:

*dns Dqi ltac Tri vinh rld t4o di'u kien 6l nhit cho em

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2.3.2 Thuc frang cho !at tai qoi rin du.g nhen dAn phumg 3 _ ,,.,.,,.,,,26

2.4NH0NGTHUAN r,Ot vA KHo KI]ANcUA euYTiN DU.lc NHAN

DAN psUONc a Lr6N eu,{N DIN HUy DONG v6N vAcHo v y 29

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2.5.2.4 Tnuc hien diy dir cnc qnt dinh vi dAm bio dan vir ,, 35

2.6 iT]UONc HUdNc vA cIn6N I-UoI'IRoNG TUoNG LAI cU QUi

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Bdlg r: Ttnhhinl ngudn{6terai do?n 2008-2009 -"" " nBAng 2: Ttnh htDn neudn v6n vd huv d6ng v6n eiai doan 2008 '2009 24Beng 3: BAne chi ticu d,nh gid huv dong v6n giai tto4n 2008-2009 25Bdng 4: Ti hinh cho vav cna qut {n duog nhan dan phuihs 3 slai doqn 2008-

2 0 0 9 , 2 ?BAig 5: Tlnh hinh cho vav ng6n hqn vn trug han gili 'to?n 2008-2009 28

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DANH MUC Tr'/ vr6T T,ic

- UBND: IJy bd nb6n den

NHNN: Nge hAdg nhd nudcNtfiM: Nsan hdns fttrdng diiNHNN-PTNT: Ngan hAng n6ng nehiep Phdl triCn n6ng thonCNH-[DH: : C6ng nghiep h6a- HiCn rlqi h6t

SDQT: Hoi dAns quen tdQTD: Qny tin dltngvEL; v6n didu lC

IM & DV: IllMg n?i vA Dich vq

d o i r o i p h r r, i ; - ( , r F r ; c i " \ a l - n , \ u l ' n l ' r ' n h \ x n i e u q , J c i - h i r h o n 8 q u i u n

d u n g d n h h u o r e d i l r r i i b n h u r , u i l J \ L o n r n i l F , ; I a d c l e u ; u d r , r J d o i h d i

Ie rb6ng qut tin dune phnirsiycins nang caochir ltoig vd hoAD thi€n hd cac hoal

J o n g l r l a n i n h D i d r u ' g n h u i u k o i g r l o r ( J r ' u r r ' u n l r l o r rc l ' l l ' u ! iu c h o n ; n

kinb 16 viet Nam

Kh6ns klic gi ciic do.nh nghiep hoa,1 dons kinh doanh cir qut lin dung cnngbu6rgrdiDuc dhh cn6ici,ng liiloinhuin ViOchuy do.g moineuin v6! nhdn r6i da

' n r l r p l h o L 4 r l ' 'n h D F ; 1 r r l h r r I n h r e 1 i ! u ro n l A v o r a g i r ' \ i ; \ i n o r r u ! r(p lhJrn e d v"n \;_ \u i (rrr ,lornl' ton dn' u du.c ro rir,c S,rm rl'iir rgtr(P lJo c6ng An viec Dm cho ngti'i din.

V ; n o r r i r r o rn q l " r r , 1 s , , o r g J d i ; 1 g k , n h r i x a h o , v ; n l ; c n i n ; l dns dd rd chtc maihoal.lOns irons nan kinh 16 Moi dat nudc c6 riam lft v6n manh

* r J o d a p l ' , r r r i i n L i r h r l : b i n \r ; H e , h ; o e \ l l l V ? d o , li r , ! r n g l J P ' o n c h o

n i n ! ' n h , ; \ i , , d e d : y n h n h u n s h , i p \ h - H D H o n u o l' d o , I' n , h < , h J r gNHTM phii tan duns khai rhdc det da moi nsuAn vi5n nhiiLn r6i o ca 1rcns nudc vi neodi nddc Nguoc lei, von l4i lt d sd de ngAn hans 6 chnc noi hoat dong kinh dodh Do d6, Deoii v6n ban di! cin thi6t, nsin hddg phri thtrahg xuy€n chim Io tdi

\ i c l d r g r' r d i g \ o r ' ! o r g L { q r r I 1 1 r ro d o n 8 , r a r " r n \ V r ( h n r h i r r o J i rane quy n6 ri chiit luong v(in huy ddng lu6n la v6n da dudrc quan lam bdns tliu ci,a cic NHTM VIETNAM.

Tian lvcviv6n ftong ncn kinh t6 E lat l6n nhungda thu hit dultc liLdi€u kh6hg

dm sidn vi lren $i tromg nsiy cing c6 nhiau cic NHTM, cdc d chrlc rii chinh (qui ri6r klOD bdu dien, qui tin duns, c6ig ly bao hidm ) c.nh tranh nhau cing phiit nidn, say kJ)6 kh,D cho cdn8 lic hq dins v6 cna NHNN&PTNT VIET NAM n6i chug gip nit nhiau kld kllan, ho trgd dh biel ld su.anh tfinh gav sat cnr c,c NUTM

MO

khi trer cnne dia bdn, dhung c6ng tnc huy ding v6n dd git h6i dudc nhihg kiir quii

*ir khd quan Tuy nhien, v5n ci'n not s6 r;n lai trons c6ng idc huy ttone v6n ni crcchi nb,nh cen khrc phuc Do do vidc dra ra cdc giiiphtp thii lhvc khic phuc nhnngldn railren, g6p phin hoin ihien,ning crohi€u qudhoar d6ng huy dOng!6n, lao dddachi nhdnhphdtrii:n ban lnng tinilryau ciu cii! rii6i

Trcnglien dnh h6inhi! kinh ld qu6c ti viccrhdl trian cac doanh nshiepvna!anh6 dang D van de duoc Daog vn NhA nudc ha snc quan ram, dudc coi D mor trongnhnng nhiem vu lrong tan troDs chi6d luoc ki r 16- xa h6i cna dil nudc Diy nanhphil trio doanh nahieplia va nhd se lhnc ddr suphdt kien cho nan kinh rd g6p phiinqlan ftong vao rijns sdn phdm kinh 6 qu6c dAn, tao ra nhiau sin pha'n ning hoii, dich

v , c h o n i r k h h h r c D i d u l u n o r h i t v i i c n o ro o g l h o \r J d n i v o i a c J o d n t - n g \ i d fvua va nho Ii cd h6id6i vdi cdc qut tin dung n6i rieng va cac NHTM ndichung song

r c u n g o n e l - i n h r ( n r i r u u i o - g D ( n r o o r h u , c \ i c h n q u r n c n d n j r n i \ a \ n h us,i dung v6n kl6ng c6 hi€u qui li'a ddo , vi nguyen nhnn lhuOc !i nSrn hins nhu

r i n h d o rh Din r or nehrcp r ! d x r J ' i " r e ' a r C ' ic n K i l h @ rn i n h J u ! o r h ( g r )rdn rhtrt ftir l{tr cho nsin hdng

Qut rin dung .hen dan phuong 3 rhinh pba Td vnrh, lint Tra vinh td qui rindung cd nhnns l6ng s6p ticb cuc vio vi€c diu tu va phil tiin, mang rai hieu qudkong kinh doanh di mang lai niem tin d6i ldi khich hdns vd xa hoi rlia phumg Datnuc hien chtc nrng cia ,rinh mot cach thuirl ldi vd de d?t duqc nh0ng thinh qun

d ; l s L ; , r n , ' s n l ' u - e n c m a L - l, o n 8 J o h J o r u n l s ,, n d u n s l d q u a n u o n g n h ; r L o l

d r ! q , d n jT r r n o d d p i n g n h u ! 1 | \ u - f t u , u , , i u n \ ; i i c ra c h u c k , n h , ;

Nhu vd), cd thC fi6y ddi vdi qui lin dung cric rni ro tin dlng IuOn thumg lidch@ nna hi dian bi6n hat siic phric lap !a kha pha)ns r6rh Bni vay hod dong phentichui chinh klrch hang d6ng vai fn h6t s!:c quo lrong, ginp ngan hinS udc lufrgkhA ndng sinh ldi cnng nhu mfc d6 di ro cta khoin tin dung tn d6 cdn nhdc qur€t

d i n h c o t u i r' o c h o k h c h h " n t l " y I l ' n t D ; r h r c r \ u tl-"r riitr cid cac docnh

n 8 h e p c L - ! r ! n r x n h i n \ - ! , , ,h , I r f l r ; , d r , r " , , h , i u o \ o i d i f h i n i c h L i

chinh chnng td IiLca ich !iva, cnnscin thia vedo vay nangcao hie! qua phan ticl tdicr-,nh r, \;n di quan -cls rr,,e diu cho (ijc -gdl hig nh;n B.im hiiu rui ro mng

c " o h i r h r m g u n d r n g g d p p h i n v o , p l ' , r , , ; n ( i n I r ;

Cnng xuitphrtlt li do d6 en de chon di tii: phan tich tinh htnh huy.tine v6.

va cho vay tai Qut tin nhan den phuong 3

+ Mgc tieu nghion cnu:

+ M U c l i G u c h u t r g :

than dch diinh gi6 hoar dains cia Qut rid duns nhan den phudhs 3 rhdnh pbii]RA VINII L.dc tluoc linh TRA VINH Ddnh gii khri ndne ddp nng vitn cna qut tindung tu d6 njlra DOt sij giAi phap nhim ndog cao hoat tong qut 1in dung

+Mqc tiCu c! th6t

Da di tap trung phan tich hoar ddng 1in dlng cna Qui tin d\mg nhAn d6n phuoDe3lh6ngqua crc chi deu:doanh s6 cho vay, lhu nq, tinh hirb du nq !i nq qu6 han cUaqui rindung d€ $,y dddc mnt m?nh, m.r ydu va cbft luqng honr d6ns rin dung Tn d6

da n giti ph,ip rbich hqp nhim ni.g cao hoat donstinduns

+cic gin rhi6tcln ki6n dinh:

' Quy m6 qui tin dun8 nedy cingndr6ng

- Quy md tin d!tn8 hoar l6ne c6 lai chinh

- Thu nhep cna quy tin dlng ngdy cing trng,

+Cetr h6i bghiGn ciu:

- Cd phditinh hinh huy d6ng v6n vd cho vay cn qut tin duns ngdy cdng ting., C6 phai qtrt iin dung hoat long kl6ng rii chinh

- C6phdic6c chileuphin tich detr lienquan den quy tin dung

+Philh vi nghiGn ctu:

Khdi nien n dnng Il n6r pham rn rOne, bao hdm nhiau n6i duns, LoDe dd noi, l u r g q ' r a r r r n r e r h a h i i i o n o o r - h - l u { r , n g J ' r I' n D n d d m o r s o ru o 8 h o p t h l

n o i d e n c h i r l r d I !1.tr1; h r"idan cl ifau roguJ h r n rr e n r ; n r J , r r d c h j r i i u n ; y r 1 g d o re h r d h c h n lu o g r i n J l g r l - J ) ' l u h e o h a u t u o n g l o l n o a ! n B r e l l Iloar d6ng rin duns riit da dang, hon nna nhiau hiiu bi6t va hoal dOns 1in dlngcnns chua nhiau nen da tai nehien cr?u chi y6u vi huy dOns v6n vay r'tn co sd sij lieugiai doad ln nlm 2008,2009, do qui rin dung cms c6p va khOng disA! vio hoat dOng

+Tiri leu c6 1tr9c:

Tlong qud lri.h ldm biiem c6 tham khi,o:

+ Lu6n vrx tOt nghi€!:'"h6n fich ri hlnl huy dong v5n vA cho vay nO giadin}" cul anh LE Tlt{N'H VANG QTKD kl6a (2005,200E) ftrdnS D4I HOC cANTHO.

+ PHUdC I/trN'H HIEP ad nr6m nghi€n otu 2007: pha{ rtch hieu qud st dungv6n in dms va x6c dinh nhu ciu vay v6n cna hO gia dtnh rong qu6 t tnh chuy6n dich

co cd! kinr' t€ ho gia dtnh

+ CAc s6 !e! thu thip duCc rt qut itn dung rrong cac n n rt 2003-2009 do euy

th dung nh6n drn phrdng 3 cung cip

B i i o ( i o r h u c r a p THl]8.HKIB

PHAN NQI DUNG

I.I PHUO']\IC PHAP LUAN:

* Huy dong v6n:

I.luy long v6n lar pb(ds ti6n tien te do qui tin dung thu nhn Ir nan kinh ti:,lhons qua cdc nghiep vu ki thdc di liln !6n cho hoat ddngkinh doanh Eijivdingudov,tn ndy qut lin dung.hi duqc quyan sLiduns n6 trong khoing lhdisian lhiitdinh chnkl6ne c6 qlyan s,i hnu n6 Vi !iy, khi $i duns qui tin dung phii du tlt luqng ticnnhitdinh da &ip tns nhu cau cin lhidr chokhich hiLng

Circ hinh thLic huy d6ng!6n thnnsthuong:

* Tian gii kh6ng ki h4n:

l , i n eoj ll,ong l ) 1 J , lJ lo a i r j i r e o i 1 o ' 1 r r n , h c o n 8 r ) a n rd ! ( 1 ; d u n e M u cdich cna ngui'i k)' thrc li mu6n sn dung czic rien ich cna qut rin dung Do dd, kJrdchhingc6 the.Utiian bal cr? hlc niro ho.;n vi qui tin dung bu6c Dhniftoa man cdc yeu

D r c d : ; m t , r u : i r l ' i p , o ' r b i ! , d o , ; \ r i l u r i j lm \ , b n ( u t i c ndo q u trin dpng cnng thrc hien lheo lenh crla chn rii khodrr Do d6 nd anh huors nhdt dinhddn k€ hoach c6n d6i vijn vi sn drng v6n Sone eiila viec sdi vdo vA nit ra cO strchenh l€ch va rhoigiad vi si [drs nen ftn cdc loai rii khodn luin c6 s6 du, qui tindung.c6lho huy dbng s6 d(.16 ldm ngudn !6n cho vay dOng thdi giah chi phi diu

* TiAn gdi cO ki ltqn:

Tian gdi c6 ki hdn li b6 ph6tr tiin cr:i! clic rd chrtc ki,rh 6 cd nhin ci nh6n 1aD

r r o i ( h u " n d , r B , l ; r J , , l t r , l i " c o , n ro - n h u , ' j ( o r i i n h a n C h o i d , ( h \ u lrong tumg lai gdi lnoDgin hangthco cdc ki hm drrc rhdaftuan.

TI'IO8.HKTBQuy€n sd hnu lien gdi dinh kj van thu6c va ngunt gdi li€n, cdn quyan sn dunglrong thoi girn chua ddo han thi dwc quton chuyen clo qui rin dung, quy lin dtngph,iild laiclo khoin ri€n nry.

TiCng,tindy chiduor rar.r rhco ciic k! hai xicdi r Tul, nhi€n tr€n thuc la niukhich hiLns nu6n rnr ri€n tnr6c han phii lh{ thuijn !i dvdc su d6ne i c0a qut rindune lhi ngudi gdi dtroc hu@g liisrh r|to loaition gdikhOneki han.

* TiAn gdi tiar kiimr

Tiensditi6tkien Ii lori tian da ddnh dudc hicl tn $u nhip cia c6 nhAn dem gdiv:lo qui tin dung ldi nruc dich an torn di)ns v6n vd humg l.i, ndm tich lii) d;n ddlhuc hiin n61nhu ciu chiti6unio d6lrone tumg lai Tian gditiat kiOm c62loai:

+ TiAl sdi tia kiam kh6ns O nar: dudJ rat m bir cir tfc nio theo yeu ciu cia

r g u d i s d r l i i o rh u n f o - 1 ' ' r c a n o h i - - J r J l n h fa ) r r r t D o d o n d th i c v d irian g,ii rhanh ro6n da chi rii cho nsuoi khic, rian gdi niy duoc qut tin dung lri hinhhg trd vdiliisuer thilp

I r i , s o t , t ; ' 4 \ " I \ u r \ b 4a dt)it.ed c o a , r r ) h r n n h ; L d n h n E u o i C d iduoc nittu theo tung k! han rha! Lhuin vdjqut rin dunsvA c6 nLic lais;r kh6c nhau,

ki hqn cdng diirhi lii suit cAng cao 'l ha'ng rluon-q c6 cdc ki hqn nhu sau: 0l lhtug

0 2 l h d n g 0 3 r h 6 n g , 0 6 t h i n g 0 T t h d n g , 0 9 t h d n g , 1 2 th d n g 1 3 l h i n g , t 8 t h i n g , 2 4

.: Nguyen IIc.nc klonn rion gii:

T4o didu ki€n cho khich hdnggdivao rhu^n tien, dy rada drns

Qui tin dung chi $i dung rheo ti le ph6n rint dan goi da cho vay, ph,in ca,n lai

Dm qui dq rrn dC rhanh Lotln

O u ) ', n a L r g c i r h r c -i - \ r ' p f i i p \ n t k l " r o u ro i t h o c n r , ; , g o i c i d U J L ' j

h d n B k h : ! o l ( , 1 , , - " c h u rr ' J ' F " r d t r l ) o L ) i F , ! lhrt rd, ihodn llong , r u d 8 h ' n c h i r i i k h o - r \, fln," lJ f,.i"l rl l.Ji l,.dc rheo r e u c : ' u , ir o q u n !o lhem quyen, buoc chr:i rrii kDodn phdi lhanh toir thi qlt lin dung ttr atOng trhh lii

T H O 8 H K i BKhi phdt sinh cnc khodn gido dich ),eu ciu kh:ich ling rhi phni b6o nq bio c6

1.2 PHUONG PH]IP NCHI]EN CUU:

+ rhuone phdp rh! lhiir s6 ti6u !i Llitiau diDgda phin rhh:

- Thu lhiip s6 lieu vi tii lieu diue di phiin (ich 1t cdc bing b:io cdo cna qui lindung qua cnc nam 2008,2009 ker hop ki€n thuc da hoc rrone rrudng va qu{ rinhnghien cnu tiilieu s:ich biio, quy drd chungcr:ia qri rin duog

- ThamLhuloi kian oia cdi bi qri rin dun8

- Kinh nghien thtr dum dqalio dtrc ra qlan sdr vi nha,n rhnc ln viCc hn cu rhalrongqudlrinb rhuc rit taiQui iin dung nhin d6n phudg l

{ I'hddne ph6p phan lich:

Sn dung cdc chi s6 r.li chinh, sn duns phuongphip siS rrdns<16i phuong phrlD s6

l u y e t d O i d e s o s i i n h , d i n h g i : 1 g i n a c d c n i r n 2 0 0 s - 2 0 0 9

I.2.1Eoitilong huy.iong v,itr tiiilon ril

C6ng ric hu! done v6n rong d:tn cu cia qu! rin duns bi i,rh hudng boiiir nhiaur€u t0 chn quan ctla don ri:

> Anh huorgcic hisu:it c4nh iranh vdi cic ngnn hnng

1 a J d n g r d n g e i m i , u i r " o Fh'^ Jo s\on ir ,r;rhhron8Lit di.Hcn

n o J q u n i r J r l g p r j , r u u n l L ii r ; n c , l u n \ r r r ' r I ' u ) d d n e r o n lh o n 6 o t , t ; m

c n o \ - ) r h J n \ i ! a l o i r , : \o r rL q r J r ' J u r ' F l r u n B ' o n g a o i ; \ , i , h u c h i phi si drng !6n dd vi ctrh chi phi si dung !6n Dhju thi hiOu qr,i kinh doanh se kh6ng cO ldi Vivay mi qui lin dung ra stc t6p llurg moibien phip da huy dong !6n

lulha lA nhengchi th6 rh.nh totu d.c biar cla ran ki'rhta nhir li chua giiiquyatriet

Bio cio rhlrl lip THO8.HK]B

da nhnng lro ngai kio dii liu ndy nhr gui !i nit li€n chua lhunn ri€n, nhanh ch6ng.Qtrt rin dhg c6 phuc vu 1u llh d6n l:lh cic nedy tu lhn 2 d6n lhir 6 nhuns liu nhukhiich hansgiaodich r;1ir chtrnthuc hien gnim6lnoiii rien nhi;u noi

Mrng chuyen tiaD dien tn chua n6ik6! lhrnh

duns c6ne nshe chua cao, nrtil nnic rhii bi chua

cdu cdn thi6t cbo ldzich hirg

tod chua lhAll nhanh, t.inh d6 irng dong b6, chra phuc vu tot c6c nhu

> Chi6n lrqt khich hing, try lir d6i v6i khnch nrng:

N e " y n a l r r o n S \ d l : - o i n , ' r rl.r iin rhco.d!!irri an;:.In.rnganh m o i

l i n h v ( k i r h J o J , h J r L r h l r r a n e d i n ( ( | l ' l n ! L r ' l l r ' c h ld r ' s l ; r h u m e ( t ; D ovay qut tinduns ludr xcm )du lij khdch hing li qudr rrons, chdrn s6c khdchhdng, ginkhrch himg rruyan rrr6ns rhu h(r khdch hing Li.[ nins ll,inh truong ho p d6 mar khtch

1.2.2 Hoet tlong tln dtng:

1.2.2.1Kh6i niem fin drng:

L n d u n 8 ; q u x n r E i , I r , - r , , b i , l r h i r n d , o i h n h r h r t c | ; n , e h d ) l, c n ri r trong d6 ngwi.di !r)' phili Lri drc nsunj val ci g6c lin lai sa! fr6r th?ri sian nhdr

Khdiniem nd lhehien cic noidune eu:ngudichovay chul,an cho nsua,i.lilay

I n o r l u o n B g i a r r i n h i , d n h g i r r , 1 J r , , ' , 1 ' r r , ' r 1 h r h ; i r i i n r i ( h i e n k i m h o " L

a r o i h r n h r h d r h i i n \i j r n l h I n C , o r n 1 ) ro \ , l ' a , D i 1 | d , , i d J n )

\ g ( l | d r \x ) \ l r J r r - \ r ' \ r J - e ror.g I n L r o g i n n h n d i i h v u l l i h i tlhdi gian sndung theo thonfiuin dguoidivay phdilri cho ngui'ivay

Cia td hoin ft lhdng tln.ong ldi hon gia lLi l,lc cho vay n6i h6t cdch khric honnsuitidivay phii rrdlhenr nor phin l!'ilLrc

1.2.2.2 Hinh thnc c'ix iin dtng: (lh€o thiti hln)

+ Tin dung ngin h:in:

C o , h d i h x n d u o i I n , - r - , l u , m t , l ' , , u J ' t r , ! , l ; 1 n v " \ b " , L n e rh i i L h l rtqn tha,ivd v6n ln dOrg va Inr ciusidr ho.t cd nhin

+ Tin dqng trung hnn:

GVHD:Nguyan ll)iCanLo.n svTll: NEuy€n Cdm Tuyan

B d o l r o r h d c r a r I n r 5 TIIO8.HKTB

Co lhdi h.n Im h@ mdl nin !i nh{-) hon hay

tluqc cung c6p nua sim rei sdn c6 dinh ddi ndiki

nld cd tbdigian rl h6i v6n nhanh

( o b,,n, c a i r i a n t i r h u ; L

+ T i n d g n g d n i h ? n :

c6 thoi han lron ndm nin, lroc cung cip di xay oung

md rong cdc c6ng trinh c6 quy n6loi

1,2,2.3 Vai trd criia tin d!ng:

+ Dip tne nhu ciu vdn:

Vi€c phen phai rin dung da g6p ph diau hoi vi)n rrons toan bOnin kidh ta, taodi;ukiorchoqld trinh sin xuiir dum lien luc

Tin dune c;n l:r du n6i sina lii kiem !d dau lu, n6 vna In d6ng tuc kich lhich

r i ; , i r n r l ' v " a L i , , ; r d ; , g rh o i p h ' i J | | r , l J r n e , h o d i u r u \ a p h - r r , i d r + T h r i c d i y q u { t r i n l t i p r r u n g v 6 n r i , 1 4 p t r u n g s A D $ r i t :

Ngan hdng tap trune v6n ti le lin lhii chur si dung d nguoi dan, moithirnhphan kinh r€ da dau t( laicho nen kinh ra vua dam bio rrli ro, vna lh,lc ddy trns

+ Tirirnl cho cAc ngnnh

'lin

dung It cajns cu rdi tlq cho qic nBi'rh kinl 16 k€n ph rian v,i nsinh kinh td

I n r i i n h o n n h ; m r i o d i i u t e n r i c J d l { , r ' , ' ' n s l n h l i n h r i \ l h c p h a v i ; n r h e onhu sdD xuiit ldng xual kla!, khailhiic diu tu

- C6p phin Inng c u d r g c h i J 6 h : l c h t o i n k i n h t i

.Jjr dung ld cOre cu gdp phan idc dong viec r.ng cdong ch6 d6 hach rodn kinh t6c'ladoanh nghiep vidac trunB cia co bdn tin du.e li su hoan ki c6loirtc Nhu viy,

d n i h i , d o d - l - n d ' i , : f I , l n r \ t , n n r ; r o d a n \ r i c r ; 9 c r o h : i u q u i r i d u n S v 6 l g i , l n c t iphi, tlng va,ns quayviin lao diau kiOn dd nine cao loinhuin cho doanhn8hiep.

+Tro diin kieD da phitlriin kinh tavti nr6c neoar:

Ngiy n.y vi€c phdt ldCn ci bit cLi qrdc gii nio cnng lobn grn Iian vdi thi

r d d g 1 1 ; B i o , r , n l r i J o - g J ; n h , t u n g o , J f l ' I n l ' m l V , \ r ) r , r d u n 6 d d r r o

r l i n h In i r r r c n E n h n n s n r u o r , r , r a n r , 6 i r ' I r h r a i n u d c r i n r h a g i d i v d n h J u

G V H D : N g u y 6 n I h i C ; n t - o u n svTH: Nsuyan c,n Tuyan

md rong xu,ir kh;u hiDs hod dang rhoi

Iod vi c6ng nghi€p hoii d;r nudc

1,2.2,4Chn nnng cia tin dqng:

+ Chtu ning lap trung vi phiin

d u n g b i n n g o i , d J h i d d a i

thco ngu)4tr dc cd hoan

Day lii chr'rc niing o bd nhdrcira ti dung nhd chnc nrns niy md cdc ngubn v6n

I an ,e duuf ,liiu -o, u no: , 1i dn, ,", 1t' ;u ri \t dunB nham pur r,h kinh

d.

TAp htn8 !i phin phoi lai!6n ridrr tO li hai Dit hqp thziLnh chtc ndng c6t loicnalin dung !d duqc tlltc hienlheongulren l;c c6 hoiLn td

d m !b l.ung v6n rian le: tin dune lii noi rap r.uns nhnne nsudn tan nhin r6i

O n phrn ph6i lai v6n lia[ $i tin dung lii noi dap nng nhu

dons str xuit luu thOng hdng hoA vir nhu ciu li€u dung lrone xa loi

+Chfc nnng tiot kiem ti€n nit:

Hoar ding rin durc lrudc hd1 tio diau kiCn cho su ru doi cho c6c cOng cu luudr6ng 1jn dlns nlu thumg phier ki phia, Dsan hdne c6c loei sdc cdc phumg lhnclhanh toiln hi€n dai nhr lha tnr dung tha llauh loin, thay th6 n6l s6 ludg rian mttlu! hinh, nhlt d6ldnr gidm chiphi c6lied qu.n nh( in lien, vdn chulen bdo qudn -.tlort din8 iin drng da nd ra m6t khi nilig lm rong viec no Ui khodn vA giaodich lhanh toin lhdng qua n8in [dDe har qui tin drng dudi cac hinh finc chuyan

Mit lnic qua cIc dieu kien cho!ay, qrl riD dune c6 diau kien nhin t6ng qu6l vdo

;n rdc di chinh cna tunS d6i tuqng vay vajr lir d6 phit hien kip thdi nhiine trudng hqp vi ph?6 ch6 dO quan l)t cia nhd nrdc ngin chin Dhiag hien tumg rieu clc Uns phi.

Thdng qua nshiep vu rruns gian rhanh toin, nsAn hang ha, qut rin dung c6 diaukian tang cutmg vay kd kiam soit bins !an, crc it@ vi ki.h la vd moi quii rrinh hinhlhddh srt dung v6n cna doanh nghiep dau dudcphdl {nh qua nhrmS tdikhoi tidn gnitai nSan hrng hay qut lin dung

> NguyGn ticcia tiD dqng:

+ v6n !.! phni dna! honn iri,trng h4tr dii qn kdtv6n rin tiir

Nguyan tic niiy ddft da ra nhin dam bio cho cic qui rin dung t6n tai !a hoarddng laimotcnch binh lluonS, bdi vin8u6n v6n cho vay cna qut tin durg chi y6u ldnguon vdn huy dong d6 1, bii ph6n rii s']n cia cic chn so htu nd qli rin dung t?mlhoi quin li vd sri duns quy tin duns cing c6 nSnia vu dip nn8 nhu ciu lil fian cLtaklirch hdns khi ho y€u ci! N6u czic kloan rnl dunskh6ngdqc hoan lli dnns hm lhinhiit dion se anh huorg d6n khd ndn-q hoi ui cia qut tu uu!g

+ v6n vry pbii sn dqng il(rns n\rc tich dn thoi lhuin rrong bq? d6ng tin

'lin

dune cung tng clN ran kinh ra phii hudng ddn nlrc ti6u va yeu cAu !a ph,tuiln ncn kinh re xil h6i rrons on8 Siai doan phdr lli6n D6i vdi cic dd vi kinh 16, rindung ciing di dip ring cdc muc dich cu rhi trons qud lrinh hoar dOng s,in xuit kinh

'Iin

dung dnng muc dich vn c6 hi€u qtri kh6ns nhnog l,i nguyen iic, ma con tdphud-q cham hoar d6ng rirr dung Hi€u quiL d6 trudc hr:r le di, nh.nh nhip do phdrridn nen kinht6 bAng hod l.o.a nhiau san phin h,ne ho6 dich v!, ddng thoi rao dicukien pldt dan tich lui dd 6i sdn xuir md r6ns

+ Viin vay phii luoc din b{o bine ti,isin tdng.tuong:

ViOc ditu bzio bi,rshdnghod lir tr tiisdn khing chi don thuin ti nhar han chirii ro Dd mucdich chinh dr n6 lil rhrlc dil ben divay $i dung d[ng mucdich

(6) c1n bi tln dung ldch bO ha sd va phai vav cho kh'ch hing

Quy trinh xtl duYet cho uY:

Btrfc 1: Thim.linh !i qrv6t dinh cho uv

Can bq nn dun! nMr hi "o r'n ' 'v 'nr circ lh'ch hrlnS co rni.h nhiin d6ichiau danh ntrc ho sd fteo quy dinh

Quy6t dinhTrinh Ci6D d6c Chn

tich HDQT duyet

cvu-lo tlgurEn rni ci,n t-o,n w=rH, Ngulin cit ruyin

9 4 ! ! ! ! r ! ! ! ! ! L f f n q q v r A

Kiob r.r rinh ho p phz1p, hdp l0 cLta rnng toai hO so, bio c6o Ciiim d6c hoec Chir

Nau cho vay thi qut rin duns roi cho vrl cnre khicb hins l6p hqp ding rindung, hq? ddng brLo ldn ti6n vay (rruorc ho p db lay c6 bio dim b;n8 tai sAn) N6ukhing cho vay lhi cdn bi rin dung phdi d6ng bdo cho kh:1ch hang biat Khoin vayvudl quran phdn qtry;r rhi lap hdi d,ing ri dungxen xar

Thoi giin rhiD dlnh: tong rhni eiar kh6ng qu6 t 0 ngd), tiin viec d6i vdi cho vaynsin han, kh6nc qud 45 ngiy d6i ldi cho vay rrung ddi h.n ka tt khi qut tin dunenhan diy dnh6 so va! viSn hqp te

Budc 2: Phii dan vcy

S i u ( F i h o d n r i r c x ( 1 r , e n n c u (- n J - r1 J d 'o - C L m ,l o c t i d u y e r c h o \ )tbi ctin b0 1in dune chuyen b0 h0 sd cho bi pIAtr k0 to,n rhuc hien nghiep vu hqchtodn kii roin lhanh lo6n Thi qui rhuc hjer giiinsin cho khiich hing crn bilindlDgvaosa theod6icho !ry rhu nq

Bn5c 3: Kian tr., gi:lm sit vn xtrli

> Kiom trn, siim sitv6n !.y:

Qut rin dhs noicho vay colrzicn nhiem kiom t , gino siit qud tdnh vdy vijn sndlnS v6n vay vd ra no cLla khach hdng nhim d6n dilc khich hdng rhu hi.an ting vddit dt nhnng can k6r da tho,i Lhuin r,oDg hqp d6ng rin dung phir ha? v6iddc diam

l o x r J i l e c i d q u i r , n o L , r J r d i i n l i n h J o n ' h \ ' u d u n g v o r c r t ' t t ' r \ h U n e n o i

+ Kien Lra hrOc khi cho layr litL viec rhim dinh cdc diau kien vay v6n $eo qu,

+ KiCm tra rrong khi ho vay: kian rn viac sidi ngin lheo crc tian dO thuc hi€n

du in, phddns'in: kiam rra huc dich rn dtrng rian va), tfons khiginingan

+ KiiD 1ra sar khi cho vay: kian lro muc dhh st dung rian va), sau khi chovayjkiam tn hieu qu, dr in, fhuon-q ini ki;n rra hien trang tii siin itdm bAo tian vay(nau quydinh phdithqc hien nghir vr linr dam bio nd)

1,1.4 Xn li v6n vry vA hru ir! h0 socho ut:

Cho vay h loai hinh tin dtng nghicp v! crta qui rin dung trong d6 quy tin dune

se cho ngdiii divay n6r yt v6n d0 sin xuil kinh do.nh diu lu hoac tieu dnne Khidan

h r n n g u J d i \ a ) p h r , t t r i n r , d n \ J r ' 1 , ti i a ,; r,,, d I n e t k n u r d u o c n g u o , d iv.y, kiam sodt dudc qu6 rrnrh sn du.s v6n igrdi di vay c6 i thfc qlan tin d6n vi4c

du phong dd bi d;p rui ro, mtr kh.ic bdn thiin crc qui rin dung phdi sn dlrng cdc bi€nphip nghi.rpw lheo hudns khOng nghg ctiridn vii hoin lhien d6 cd lhd han cla duocnhiau riiro cb fia xiy n trong cho !ay

I.l.4.t xn li v6n vay:

Giam dijc hay Chrl rioh hOid6ngquin rriqui tin

qua kian ka, tlii thco mtc ki€n rra tu! theo mric vi

+ Tam ngnnc cho vay niu khtich hdng sn dung

th6ng tin saisuthuc nhmgkhdch hingdiich;p nhdn

+ Chin dril cho vay nau khAch hing vi phanr ho.p ding lin dung de can k6rnhung khOn8 khicphrc, snachtaikhuich h:tns ngung sin xuil c6 tha din dan ph6sdnjquii triDl ri chtc hi sin xuit kh6ig $c dinh dudc ngua'i chiu trdch nhien chinh thrtctrodc phip luat vaquan he vay v6n vi lrut.i' qui tiD dung

+ Khoi kiCn ttu,tc phdp ludt: vi phxnr hqp ddng rin dung da duoc qui tin dungthong bio nhung kh6Ds khiic phuc C6 no qri han do neuyen nhin chn quan nhmgkhong c6 bicn ph6p trn ndqui rir dqn8 Cd Dins lrc Gichinh dd td nq nhmg c6linht6n tftinb rA ro qut rin duns rhco lhoiL rhuAn C6 hinh vi Ina dAo, eian lin .ni tuckhdi kien theo quydinh crla phrip luir

1 1 4 2 L u u rn h i s 0 c h o v a y l

d u n s n q i c h o v a y r n c t v i o k i : tpharn cir kh6ch hang ni quyat

vijn vay sai muc dicl cune ciip

C V I I D : N g u t : nT h , C i m L o i n SVTH: Nguyen Cdm Tuydn

THO8-HKTBD6i vdi qut lin dlng noi cho vay, b6 hd sd cho vay phii duqc luu

,chu drq de tim, c6 danh muc theo ddi diji vdi m6i kh6ch hdng vay v6n

gi0 tsi phdne ke todn, phdng kinh doaih, bAo dim an rodn

Neudi duq! giao bdn hd so phai chiu hoan rodn trnch nhjem niiu dE m6l

sw chta nOi duns cna h6 sd

Phdng k6 toan luu sit cdc ho so: h6 sd plr6p li, hd so vay !6n

Phdng rin d\me ln gin ciic h6 sd; hd sd kt rodn cna khdch hmg D6i

toin lo 8it, khi cAn, c6n bO tin dung sri drng bdn saoi viec xDll hd so

cna gidn tl6c hdy Chn lch boi ddngqueD ki

tuyci d6i thdi hc hoec

phai

hd ss k6 c6lenh

Ei:r-!ialb!!-{p l!!L!.2 |H0R-HKTB

CHLIONG II

QUI TiN D\jNG NHiN D,iN

YON VA CHO VAY TAIPHUdNG 3

2.1cl6r THIDU cHUNc vt LICH srl HiNH THANH vA pHriTTRrtN c0A eui TiN DUNG NHAN DiN pHUoNG 3 THANH pHo rl(i vrNH, TiNH

TRA VINH

Quy tin dung nhan dan pluong 3 rhirh up va divio hoar dOng ngay 29109/1995,lhi dien lheo quyel dinh 390/TTg ngiy 2710?/1993 cta tl)|l ludng Chinh phrt chuyanddi hoar d6ne lleo lulir hdD 1dc xi, rheo giir chnng dhan kinh dodh s6 o4/uB'rxngay 23104/1998 do UBND thixii T.i Virrl ciip

Thco gi y phap hoat dong s6 oUNIICP ngay 20/09/t995 do Chi nhrnh NHNH

r i o h l n \ i n l i n Q u ) ; r d i - r l J J _ O D N ! nE!) t7 t2 2002 \ r \ i F c q 4 d i n hdia ban hoal dong cia Qut rin dune lhin din phftns 3 li phudg 1,2,3,4,5.6 thixi

Qua thdi gian rhvc hian chi lhi 57 cna 86 Chinh rri elya ,j!nh r.]5 cna ThrlIrons Chinh phn Chi rhi 0l c0a UBND ri r vn k6 hoach 168 l16 cna Chi hrnhNHNH linh tr, vi,rh duqc UBND li r TrA Vinh phC duyel Nhin chungqua rhoisiancing cd chin ohirh Qut tin dung nhin dan phudg I cd bdn dd hoat d6ne dn dinh vd

Co cAu 16 chrlc clLa Qut tio dong nhan dAn phuonS l thinh ph6 Tra Vint, tinhTii Vinh

2.1.r T6 ch'ic bO mry qtriin li:

soDo To cH tlc HoAT DQNC

Hinh 2: So ild td ch[! [o?1 ilong qui tin drrng nhnn den phuing 3{nsudn Quy tin duns nhrn dan phuons 3)

Dai h6i th)nh viCtr c6 nhion vr

+ Biio ciio kat qui hoat do.g trcng niin bzio c,io hoqt d6ng cta HDeT, hoel.long cia Ban kidn soiil

+ 860 cdo cdns khai Oi chinh k6 toin,

+ Phdong ludng hoat d6ngkinh doarh

.+Tdng, giin v6n.liau Iq nnc c6p v6n

i Biu bd sung hodc bai nian ChLt tich

lien Brn Kiem Soit

+ T1'0Dg qua phuon8.ln do IIDQT xay dung v€ hnc rhn Iao cho thinh vi€nHEQT Bd ki6m soil, hnc luonscnaCiim ddc v,i ciic nhan vien lim viect.ieui rin

+ ThOne qla danh sdch kA nap thl r vien mdi v,l cho rhinh vien n khdi eut rindungdo HEQTbiio cao, qutaldinh khait|nrhinh vien.

dd ki€n phan ph6i loinhltn vdxt li cdc

IIDQT, cic thinh vien IjDQT ciic thdnh

GVHD: Nguyan Thi Cih Loan

THO8.HKTB+ Chialdch, hsp nhir, sernh6p, mua lai, giairhd Quilin duns.

+ Sta d6idieu l€ Qui tin dunCnhan din

+ Nhnnslan d0 khdc do rrDQT Bar kidn soir hoic cd il nhal l/3 t6n8 s6 th,tnhvien dd nehi

' Ini,larg q u i n r r i r H D v 1 , , J r r r l \ i i r o n o n : r ) r h r i , r r hoi d6ne q u ; n I ilrmli€c thuong truc taiqui rin dung

+ Hing lhins (lJl)QT) ld chiic hop dinh k' c6 su tham gia cna ban dau hdnh !i

b J n l , a T o a r d i c u n e r _ r - Eb l4rp -edp ) I e n \ ' h d n n a n h n g h i q u ) d r o n g rn n 8

+ HAng q!t 6 thdns c6 hqp so ka vii ban hdnh cdc nghi quy6t cAn lliat Bencanh dd kip thdi ban hdnh cic quyar dinh,quy ch6 rheo su hu{rns d6n cta ciip t€n da

ip dung chunslrong don vi cdibilo cdo d6n cdc lh,nh vien s6p vijn thuog xuycn tn

20 fieu td len d€ than gia sidm sit hoal d6ng dra qui ur uuns

+ Kian ka giim sdt ban diau hi r viec thuc hie lirn li€c tien 1uc tu 7h ( kh6ngnghibu6ilru tn I lh-l3h) Thuc hien nghian gn:t siic tdn vi6c vn ch6n diam thidua.+ TIam dv cdc cu6c hd.p cna ban kioDr soit ban dieu hdnh de kip thoichAn chinhcdc m thiausOr, dua dqn !idiviio hoar ddns !eal,cing hoin rhi€n hdn

' Ban kiem sozit c6 3 lhanh vi6n rong ni! kianr sodt hldng bn vi€c chuyen

+ Kiam m, girinr s6t liec chip hinh quy linh qut lriDh nghi€p vu kinh doanhtheo qu! dinh cia ngan hingnhi nKtc

I Ciorn i a r \ i e ! h i p l' , , n ' \ i J d , b 'o a , r o x , ' r o n r l - r d r d i r e r i i n r e r , n d u n g

vd di;h vq cna qut lin dung Kianr tra do chinh xic cLia bio c6o cAD d6i ki to,n, gidiquydt cdc dm thv, khiau 16 lion quan dJn hoat dOlg qui tin dung r.l)uc hi.an biio ciiochuyOn da vAL ciic nhiam vu khdc

* Ban didu hiinh c6 8 thinh vien Ddi co c,ic chnc danb sau: giiim d6c, k6 todnlruong rrudn8 kho qui, I cdn b6 tin dun8, I hel ddne thri viec (c6 r0 cin bo nhan

+ HOi d6nS qutin lri;

CVHD: Nguyan nri C6m Loan S V lH N g u J i n C ; m T u y i n