BÁO CÁO THỰC TẬP TÔT NGHIỆP : PHÂN TÍCH TÌNH HÌNH CHO VAY QUỸ TÍN DỤNG NHÂN DÂN XÃ VĨNH KIM

O ?\JBO MON KINH TE ' -o0o--BAO CAO THUC TAP TOT NGIEP PHAN TICH TINII HINH CHO VAY TAI QIJY TIN DUNG NHAN DAN XA... Kinh chric ban lanh dao cin8 Lo,in rha nhan vi€n QTD vinh Kim lu6n h

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BO MON KINH TE

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-o0o BAO CAO THUC TAP TOT NGIEP

PHAN TICH TINII HINH CHO VAY TAI

QIJY TIN DUNG NHAN DAN XA

NHAN XfT CiA COQUAN THI'C TAP

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2 1 2 4 4 P h u o n g p h d p d n g h o p o e n d i j i t 4 r o t r 3 62.2 Phen tich tinh hinh cho vlt t i QTD Vinh Kin .37

L.JI C]iM oN

Dddc sq gidilbieu cna kboa Kinh 16 Luar vd Nsoaingn lrodg Daihac TrAvinh vd sq chip nhin cna ban lanh dro Qly lin dung nhrn den xa VinI Kin dAeilp cm c6 drdc chuyan lhuc l'p cu6i kh6a Lai erD Vimh Kjm Trong su6t quiitdnh thuc l,p em da duoc dij! can vdi c6ng viec rhuc f vd duqc su hudbs dan rat6n linn u clu d{o cialiir ci cric ca ch! lir ah drilai Qui tin d!ng Drc biel h syhudnS dan llu tinl cna chi kd roiln tudg Trin Th! Md Linh, luon chi bdo cho eninnng cich th'tc va dnh tu cnng nhr c6ng vitc k0 lo6n tai QTD do d6 cn de dudc

r i n h h ^ i d u o , ; r n n , ; - [ a n r r bo trt, \" L ir' nl[cm I I t;n,huc.;n d u r c n ] y

En xin chen Lhinh cir @ ban lenh dao ciing rap rhd nhan vien eTD nhand6n xA Vinh Kin de siiLp dd!i tao moi diau kitn da cn duoc 1i6p can vdilhuc t6

c l o e d l } J L l- i i f n h m e ( o n \ r 1 d u r s \ o i c h , r ( 1 - s d \ i r o a n a " e m \ a c u n S A p d a \ d u ' n l i i u k a t o d r i l a r n n n o n l d - L I ' o d l t u c r a p t h d ! r ; i n g n h u b a ib,o clo t6t nshiap r:ty

ED xin chan rhrinh ciim on qui Uay, c6 rruone Daihoc tii vinh dEtAn linhchi bio \a tuyan drL nh&rc kian thnc lj rhuldl vnng ch;c rons su.j1fidi Bian emhoc laj trumg Dtc bidt cm rin cln on gido lion hudng dan Le Trung Hi6u dA chi

d i ' c m c d ( h j t i ldr bdi odo " o i , i r ' h r h r , n ' d i c , n o r i n o r l r r m r bi.bdo cio rhuc dp i6t nehiep crtrnidr

Kinh clrllc rliy c6 d;i gido stc kh6c luajn lrrinh cdnS lrcng c6ng riic giafgday d€ ri6p tlc tujaD dar nhiirg kian lhnc qui bdu cho rhi: he sinh vien 6p brdc

c h i n g c m \ i T l u n i L r r u , i : f ! ( n u ! l - r , g c r r d u n ; y

Kinh chric ban lanh dao cin8 Lo,in rha nhan vi€n QTD vinh Kim lu6n hoanthinh t6l nhiOm vu cna nrinh d drd hoal dOn-s cLta QID ngiy cdng kh6ng ngns

p h a r r d d l i , n - i r s o h r \ i l ' r d h s c r , t d ; c o r h a g : i p d j b d , r o n s d ;bin 6n dinh cuOc sdng g6p phin phiil kian kinh d hu)Cn nhi.

DANH MVc cic BANG BIEU, sdDd, HiN'H

Ss dO I I Quy trinl cho vay tir I 0,000,000 ddng rd xu6ry

So d6 2: Quy t lnh cbo vay t€r 10,000,000 daDs

so dd 3: sd dd bO mdy t6 chrtc

so dd 4: BO m6y ka bdn tei eTD vinh Kin

Sadd s: M,ji quan hf ei[a ha.h rdn chi ri;t \; oaJh roiil rdng hqp

So d6 6: So d6 quy tdnh han chura:n chr?ng rn

Brng l: Biio qio kii qu boqr l([g kinh doanh c,la Q ID Vin! Kin nln 2008-2009Bing 2: Tinh hlil do6nh s6 cho vay nid 2007 - 2008 2009

B,ng 3:Ti!n hinh th nq cna QTD qua 03 n;n 2006 - 2007 2008

Hlnh I I Biau d6 kat qua hoat dOng kinh doant 02 nin 2008 2009

Innh 2: Biau dd tinh hlnh cho vay qua 03 nrm 2007-2008 2009

Htnh 4:Biau dA tuh hiih du rq qua 03 nrn 2007-2008,2009

KT HEU CAc CIT"I,I TdvTET TAT

QUY tin duls .:

Tni khonn

QUY tin dvae Tms Uds

NgSn hine Nla nu6,c

Sen xuAt ntus nshicp

Kinh doanh - Dich i?

tly be nlan drn

Qultn srr duie dit

Hsp ddng tln d!ng

Xa hoi chn nghia

PHAN MODAU

Li do chqn ita] tii:

Trong chi6n luoc ph6r rridn kinh d xii hij cla viet Nam, vidc chuydn dich

co cau kinh te Inco hudne c6ng nghidp h6a hien dai h6a lu6n ld nqc aeu hdng d,u !i xuye su6t cria toin Dane tom dan la Day le qu, lrinh chuyCn d6i mol i \ ' o d d r i n d r i r ! i c d n d - r n | | n n I; L r r h r 1 r r d ; n n ^ n e r h o l V a d : L r u lh o

se xljt n6ng nehier Id m6t chinh s6ch lm cna Ding nnin khailhilc vd phiit luy t6i da n6i luc cna n6ng lhdn vA rian ntng dit dai adi rhco ih6ng ke bien nay v5n

c o n ; r n n i h o I i n r ( l ; n r g r u ' g h , k l o \ d n l r n h i p rh i p tr o n s 1 6 hon 50% srih6 ngheo ld do rhi6u vi'n sin xuil chiih vi th6 duqc ss qud ten viL

h ; r a ( n D a n B U j h i i h q l ) c n \ ; r r ' K r L d u r r d o ( r r c l i p c u c N e a n

h e n E \ h a n r u ( J h r $ a 1 l r - V r n h u l l r \ " r , r d i n ; l s t s o r r d o n C L d ' m r c

r i i u r q o n i d i i ' r k i i r d i \ 6 r r o b i J n r ; r n f d n d i n ' u \ L ";n \ui linl doanh va diau d6 da sifp neudi dan c6 didu kien hoi nhap vio qui dao so xudl hins b6a vi cii rhien ddi s6ng g6p ph; ciai qur'at t& tinh t&ng x6a d6i gi m rghco eop phrn nd',- an \u nl;p jhv I'J o' ng a! dorP rl.i a n ddJ lirn ricua dia phu@g n6i riing !d cna linh nhe na,i chung kn6ng.gidg lIng lldC va ph6r trian vi da c{i !h6 th6y rd ho rai trd cna QTD vnr! Kim trons liic h6 trq

h or i6ne dJr tronE dir b"r orl 'r \ ln a; d"u u sl u; \n'h dodl- d;

l J m r h " t o d o r r d " - n "o L:nh a nd o'"p\ro't.n incnon d ;

dd in d6 c6 Dh&ng Bidi pbnp s6p pbin mlng lei hleu qui lrong viac cho lay daA.Jp Ql D ho-' J n-e nn tiau qrj G di ' "n lJ n3ro .rn d;ne hc' 1 c-a

'

bd co n6ng den tung vicc h6 llq neu6n !6n cho bi! con n6ng den diu tu san xuil , mang lai hidu que kinn td cao.

Mqc ti6u c! tha:

': Phan fich dodh sii cho va),

Phan lich doanh s6 rhu no.

Pben dch doanh s6 du ne Ph6n dcb ti.h linh no qudhaD.

Phan tich nhnng kh6lihln !a di ra gitipn!p.

P h f m v i n g h i a n c i u : Kh6nggilr:

Da 1!i duqc liuc hifn rai QTD vinh Kim Dia chi: An cha va xd vinh

Knn, huyen Clu Ngang.linh Tri Vinh.

Cdc s6liou dnng dC phdn rich duoc cung c6p ln phing kC to6niai QTD Thdi girn:

1 r ngcr 20 04 lol0 <JJn nrl) - Oo 2Ol0 nJn i ||(u dugc d; cap ru nAh 200? d6n ndn 2009.

ror ruongngnrcn cm:

chuy€n ria ngnien cnu chn )au va linh hinh cho vay rli QTD vi.l Kid , D 6 i g rh o i , n l r e n e h ' t r i u r n u n e \ j r d i 6 ' i - 1 r m d a l , o a ' d i n s c l - o \ a ) r o i

Q I D n e n c a ( d o d e rd l r 9 n t _ a t \ f r n o g c q o h i t u q - a c t o v a y r o l c i a QID '

ircng thd'i gim l6i.

K6t cAu da tiLi:

lban do deu Phan n6' dung: C6m bachudng Chumg l: Co sd li luan v lin dung !d cho vay rai Q I D.

chrde 2: Phan rich rinh hinn cbo vay tai QTD vinh Kim v, nhfog giti phdp ild n6ne cao hidu qun cna c6ng le cho vat tai QTD VinhKnn.

Chuog3: KOr luan vA [ian nehi.

P h a n k a l u a n

Tin dung A quan he lay rod dda t.an nguyen dc co hoan tn v6n !a Ei

t ons mdt $di sian nhiir dinn

1.1.1.2 Biin chityi chric ninsciia tin du-.s:

1.1.1.2,1 BAn chii cria tin dqng:

Tin dung bieu hien n ben rgoii su chuyin eiao qulen st dung 1di sAn giiia

n g u b : h o v c l \ d n g u i d i r ' ) \ r n g n c - f : n ' - o n ! c n a o h n d d u n g m n iqud he gi[ nguoi cho !.y vi ngvi,idivay Chinh m6iquan he niy quyel dinhbancMl crla rin dung

'

Quan hOtin dunsdEdn laivi phat rian qua.hiiu hinh ihaikinhta - xi h6i,nhng ni lu6n mangba dic trungcdbin:

Chi rhay d6i qu)an sn dung Dri kha e rhay dajiquyan sd htu !ijn.

C6 lhoi hnn lin dung duqc xiic dinh do lboa fiuan eita nguiti cho vay va : ngddidi vay.

N g r d i o 1 t u v ; n r n d ' r ! d u n ,' l ' x r r ! p h : r ' f , n f p d u o : h ; n i r h u Id i Thi6u n6r lrong ba dtc lrmg tron thi kh6ng con t' than 1ri tin dung nna,

l - " J r o i - h l h d c d r n 6 q f l F l i u a c g r l o u r ' l l n ! l l \ a r ; ' d d j d i n c u

1 1 1 2 , 2 C h { c n i n g c n a t i n d t D g :

1.1.1.2.2.1 Ch'ft nlng phan ph6i hi (ni nguy€n vn v6n liin te:

Trong phin kh6i ni€n da n6i, lin drns lA sv cbuydn DhusDe !6n d' chn rhE

n d y s d n g , h L r n e l i d c f t n f r \1" ' , !h4ir 1\ tr! n"' Irn duns S o p p h ; n p h d nph6i bi ai rsuyan tt)A hien d ch6:

N g u o i h o \ r ) o m o \ 6 r ; i n E l ) f n r m r l b i , \ i d J i , n P d a n r h 6 n e q r d r r o

Nguoc lai neui'i di lay cnng rhOne qua quan hO 1j dune nltn duqc phA' rainguyer dultc phan ph6i bi

Thuc hi n chLi.c nenc ndy tin dui-q Lhu hft tlai b6 phantian l€ nhin r6itongnan kinh 6 v;L phan!h6i laivin d6 du{ti hinh rhtc cho vay dt t6 sung v6n cho xi

nghiep ce nhan c6 nhu cau nhin phdc vl cho sdn xuir kinh doanh vl deu dnneNgoiLi n v6n !n duig cdn lii !e!6n liin d;u lu quan lreng liong linh wc !6n c6

Trcne phqm vi toin bO nan kinh ra phan ph6i hi vOn rian le dudi hinh thnctin dung dudc thuc hien bing hai cilch h phan p,ji Lruc tap va phrn ph6i giitn tiap

+ Phnn ph6i trlrc ti6p: Li viec phnn lih6i v6n ln chn th€ co v6n 1an thdichua st duns sde chn iha tuc liap vin d6 cho sin xuit kinn doanh !A tcu dnnePhu6e ph6p phan ph6i niy duqc thtrc hien lrone qum he tn dlng thudre nai vdviec ph61 hdlh rei phi6u cna cOns ly

+ Phen phiii ciin iidp:Li viec phanpb6i!6n dudc thdc hiOn thOng qua cac

d chtc lzLi chinh trung gian nhv:Nein hdng hqp tic xA dn d!n8 c6ng ly tiLichinh

1,1.1,2.2.2 Chirc nnng fiat kiem fiCn nnl:

Trcng ndn kinh 1i thi rruahg hoal dins tin duig ngiLy cins nd.6ng viL ph6trdin da Jrng.rr do nd ,\i ,1.\ \ " n o -o e rl-nh rorn \hnie Jung ri.'n mdr \d

$ann toitn brl En gira cdc dm !iki,rh ld diiu ndyse lam Sian duqc kh6iLian giivbqc t ong luu lh6ne ldm gian chi phi lm Lhing giay bac nstn hing ddng Ddi chophip Nhd nudc d'au riar n61 cach linh hoar lliji luaig laD Le nhim diip ins kipthiri nhucauliOnle cho sinxuiil vir luu thong htDg hod plld1 tridn

1.1.1.2.2.3 Cbic ning phtn:inh nOt cnch t6trg ha? vd kiam soit qu:itrinh ho?t.lOngcna nan kinh ta:

' I r o n g

v i i c r h u c \ i i i h u , ir l s r ; p r , a p h d p h 6 i l j v d l , i ; n ri n h i nphuc vu nhu ciu tri sin xudt (n duDg c6 khe neng phan anh nd1 cdch 6ns hqp vdnhey bin linh hinh hoat d6ng cna nen tinh le do d6lin dung cdn dvqc coi DL mottrong nling cong cu quan t ong cna r*hi nudc de kjem so6l ftnc day qut lnnh thuchien cdc ch'an iuqc ho-ach dlnh ph.1l kiankinh td

Mft klAc rols khi thuc hien chtcniingria kiem dan mit s6n lian wii viCcp\d hFn ,hrnh ,orn lhong dirng iin , i, 'orF rc- (i1- r< I n dune co rhi phtniinh vA ki.in sorl qla 1rinhpl)an ph6isan phin quijc dan t.ong nan tinh 1

1.1.1.3 Cdc hinh th{t tin d'.jng:

1,1.1,3.1, Cin crrno ihd/i hfn tin drtg:

Tin dlrne phan lheo thdihan c6 ba loai:

nghiep va cho v.y phuc vu nhu cAu sinh ho.t ci inid

I.1,1,3.2 Cntr cn vno d6i tulng tin d!ng:

+ Tin d{nc viin luu long: Ll loai dn duns duoc cun-q cip nin hinn th)nlv6n lN dong cna doanh nshiep Loairin dungni) duoc thuc hien chnleubtnghaihinh l,'1!ic cho vay v6n ln d6!s14nr fidiv, chiarLh,u chrlm-q t,i c6 sid

+ Tin d{ng c6 dirb: Ld loai tin dung duqc cung cdp da hinll iheLnh v6n c6 dinh cia doanh nghi€p Loai rin drng n:iy dddc rhvc hicn dudi binh fitc cho vay tug han vd ddi han.

1.1.1.3.3 Cin cir liLo frqc itich sii rlqng r6n:

Theo tieu thtic ndy hinh rhfc lin dl'ng dudc chia hm hai lo4i:

I ln d$bg riiu ding L1 lo i rin duni :! phlr no ca rn-r de d"p lmg nhu

+ Tin dUng stn xurt vn tuu th6ng hnng hoa: Li loai tin dung cung cip cho nhadoanh rshiep ddtidn hanh srn xuiit vd kinhdoanh.

1.1.1.3.4 C,in ct vio mnt d0 iin trhiem:

' ( ho ra) kh6ngc6 d a n b i o h o v d j \ c o l i r t r \ n ' r n h ; f

' cl,o ra] co bio dan L \r ' rhr( cho rdr (o d;rn b;o bans l a i ; n c d m

LI.2 Cho vay:

1 1 2 I K h r i n i q n :

Cbo vay li n6r hinn drtc c;p dD dung rhco d6 Qui tin dung giao chokh6ch

\ a n s u d l n c r o , r h o d n ii r c i u d , r q o o r n , r d r h v i h o i E j a n n h ; r d i n h U r c o thnathuan vtinguyon ric cd I'oiLo lri eoc rii lAi.

1.1.2.2 Mlc ilirh cho vay:

O l D c h o L h ; c h h e n g c j" m i n h \ a \ o n n h d n d ; p d g n ) u a u \ o n ( h o A n x u r kinh dodh, dich !u vd doi s6ng

1.1.2.3 Nguyan tnc cho v!]

1.1.2.3.1 Vi phia Qni lir dlng

Kl.r ho va) Q I D p\dr lurn lhi o ro i I Eolir :c nh,ir drnh do NHI.IN quy dinh Nhnrg quy dinh tlurc d41 n nd'n bdo dtn an lodn cho ho?t dOng chovax h?n cha vi phan lar nii rc kni cho !ay.

Theo quy dinh crla th6n8 dac NHNN vial Nm c6 quy diii t6ng du nd c{c

l o " i h o \a ) c u r m o l r d 1 l r g I I ' o n t \ r \ - " r " o i - r u ( d r i a Q lD

1.1.2.3.2 Ve phia khdch hing:

Macl naravayvor cua vr u p_ar rnu l cn ourf nFuy.n rrc:

thuin lrotrg HDTD:

vn lti cho QTD theo lhdi han de cm k.t lhaih vien vay v6n thlrc hien nelia \!hod F,i cna ni.h ca g6c lin lei dnng &di han da rh6a lhuan tuong HDTD liL iao

d i i u r i e n J ; O ID " n g n n n n \ o n e q " ; n r n d u o e N p J r i n r ; c \ d 1 \ r i e n v a yvi5n phaihoen fi nqg6c viL lai rian v.y d,lng han da thda rhuan 1rong HDTD cnne

ld cd sd da si6m d6c rhnc diy rhinh vi€n sn dun-q d;y dn ha! lt !6d vaf tingnlranh t6c d6luen chuydn v6n Lrruc hi6n t6t ch6 dd hach ban knrb G, san xuir kint

h e g \ , Q , D d h c h r d i $ o 1 u x (r ; - h ; n 8 d r h h o o o ' 1 a v c h u v a n p h A n n s I L h d h l d g s M e ls q r d h n \U i kh rn I i, Lu rJ $rch lan8 knone c o n " 6d() v) phat nai tii knod d; ctrip can c6 sau oo

,^kaJi, 1d 2: V6n v.y phni.iud c sn dqng dnng mqc dich vn c6 hiet qunkinh 1,i:

N g u y i n l " c n ) d : r - n h i m d r o b i o c l o O l D r d n a i \ " ' o d d o , e I n n r a - h b i n h r h r @ e L r a i \ n F u o n \ J n l h o r ^ i a ( , l l , c \ i Jir l; nsan ';r 1.4don-q D6ld nol b0phan laisin c,iacic sdhnu ch|] mi QTD tom drdiquan li viL s'i

d u n g O l D c ! e c o o e l k \ a d - p , n C 1 i h ' l u r u r r a n n r k h d ( \ h a i s n h ,

\ i u a t \ o r i i r j n d - - E \ \ n r t d u ' \ o d i r r - J - l t h d n r l r r l l i l a i " r ' c a r h numP ocn rna nang noan ra cua Q r

Do d6 kl6ch hing vay phai clo QTD $6y du\ryc Drrc dich !d khd nnng si ,iung \;n cu, r,nn , d turu lux rh nt \u i ldc p1 onr -r d{ "n d-u Iu nh;m b;o.ldm duqcvjec hodn td tian s6crA laicbo QTD khiddn han Quaday nean hingc6

Hom rr.i ld thudc ri.n v6n c6 cna dn dung su hdn ii $n lay lu6n U n6i ran hdne diu cna ciic QTD vd thu h6i nd dnns han G cd sd de QTD t6d tai va

rian.

Dan rho:hd In nn rhdn\ \ ran vai \oi rh.' d"ra bdo hodn nd ddy dr cd eo.

tha x6c dinh duqc hi€u qua cno \ay, do ltrdg rniro va tlnl1l<ha $i cna da nghivay.

theo d6i, kied ln vd kip rhdi ap.dlns ciic bion pldp che tdi d6i vdi klrch h)ng vi

1.1.2.4.Thd'i h?n cbo !ay:

Li khdre 5ii Ciar dr' Inh ru ,\i lhlch l&8 bJr diu nn.in \6n vay Lhod$ lhti didm fi h6t nq s6c !d lEi v6n mr d, tludc 1h6r rhuan 1rong QTD ginaQTD !a klldch heng

QTD \a M6.h h"ng !i .u v;o hu l|in \r;r krnh dodh thoi han rrr h6,

\6n cna du dr $L ru $a nlng trx n !L- kMch ldn8 v; nglon \ 6n cho \ a) cu QTD dd rhda thuin thili han cho !ay.

1.1.2.5 K' b? trn nq:

LA khodng thoi gian trong lhiti han cho !.!

cu6i n6i khoane thdi cian d6 lhdch hang phti tn

cho QTD.

1.1.2,6 Mnc cho ray:

Khi xdc dinh hnc cho !a) d6i!d,im6L khlch hdng.

Khi ndng ngu6n v6n cna QTD.

Kha ntng qurn li cia QTD.

Mnc cho vdj rii d".o roi r,]; 'i ;, vr lrn o d; riin v"y thco quy dinh

Ri€ng d,ii vdi lruong hqp cho knach hing vay dudi hinl thnc cinr cij s6 tidngtido chidh QlD d6 phdl hinl rhi mirc cho lal riji da ciDs tien lai phiilfu knidinhdn l.i nd l})6ng vud qua s6 du cdn laicia si tian gtit?i thdi di€m quy6t dinb cho

V r i x i d i n h m u c F o ' " r n i d a ,l n i , i , , r l l , r h h ) n g d o H o i d a n g q u i n

DOr ph;n hotlc roan bO viin lay

QTD cin cn vdo:

QTD xac dinh mtc cho vay tOi da ddi vdi m6t rhinh vi6n ttn tinh thin ddnbro cho nn,;u rl.nn idn cu Q l L, duo \ y r;n khong ;r rruns \;n \do n'ir \6'hdih viin Ja \ rr phin rd o \ JJ J4rn D,'o trr c Licu tumg ,rq cong dolg

1 1 2 7 T h a l o a i c h o ! a ) :

QTD xe'n xdt quyal dinh cho khAch hars vay thco cic ftc loai ngin h4n !etrung han nl);6 diip rlne nhu ca! v6n cho san xudt kinh doanh, dich vu, ddi s6ng

Cho vay ng;n hdn b cec Uloin vay co thai han lay dudi I 2 th6Ds

dudi 60 th6ng

1.1.2.8 Phudg tht! cho vay:

1.1.2.8.1 Cho vay tnlg lin

Phumg phdp nay duoc thuc hjOn 6p dtrns di5i vdi ngudi vay c6 linl hiilrkinh doann Ur6ng 6n dinh, c6 nghia Id theo tung thuqng vu hay thiti vu, vdng quay r l a v 6 r ln J J n B n d i c h n g \ ; d n g q - J y L d v ; n r i n d u n g L n ; r | \ u m e d u o i Jvong tlong qui (n6i hn vay krrdch hing hn d@ xin vay)

c a c t r - l o ; r ' r a n \i y d m g a r l ; - u \ a o , J d u c u a d 6 u m e c h o v a y d ;hinl tbinJr de tinh totur mtc du nlr can vay thco cong rhic:

Ngay | | | | loo8 hu ag din rhu \'an Ouri, ui I J2l n6 tren d; d;i $ani

p n u m e r h u r h o r y r h e o ; d u rl ;r h - r n e d , c \ o \a ) t u - g l" n ( ong t h d c d ilinl to6n cho vaythco d6 ddithiih:

T6ng nhu ciu cia phud-q i:n duqc xic dtdi klions tha rlrco sa, dd (s6 tdn khoh)ng ho5) c6 tha llieo ting hap ddig ki td riarg li thco ri,rg lhoi vu Cia tricna hqp l6ng c6 1ha dudc coi lA ldng ih ciu cia phudg 6n trong truorg hltp

n g u v t n h i r r d r e h o a d u F n h i r '( , A l : , n l ' F r n ; u d _ g h o " d u a c b n d i n L h is6 v6n vay sE eian dan.

r o n ! n i o c r u \ d

Cho vay lnig lan (hay thco s0 du) sLi dung liri khoan cho vay lh6ng thudng

h a ) d d 6 , " n c h 8 h n d k n i p h ; r h i i r i i n \ d v \ d p h ' d I n O r ' i , k h , L h u h a r n o \ 6

s n d u n s , t L , M o " , i l su bcn' inh,; .noin cho v") nhjau k b i ld _ d i n s \ 6 n

c i d o d n h n s t s i i r \ | l ' I n l , i n r , ; - \ a r , , n r l " _ c h u " " u d l n € h i n B a y k h j tr a n o phai tich lut tan b6n halg ran rai khorn tidn sti dd i$ nd sorn sii nq ney, mOt s6 lrddg hqp ftli khdch hiLns cin yeu ci! QTD c6 th6 Dhdl din i;n vay lan nliau lin

ve thu nq din dd l<h,ich hing dit bidong v6n.

1.1.2,8.2, Cho vat luen chuyan(cho vay th€o hfn mnc tin d[ng thdng

Phuoe phdp niLy Ap dung cho cec dd vi cii nnrn c6 tini hinlr kinl doanl

r u o n e d 6 i 0 1 d i i \ o 1 u : r \ a y L i n r ha, nnl' thun! ru/cn :en r u v a y b d :u n e v6n ln dong Cho lay thco luan chuyen D phtdg phip cho lay grn kel vdi luan chuyan v6n vay vdi tuan hodn v6n crla cq sd.

Do v6n lin dung fian gia viLo loitn bO qud trinh llan chuydn vijn c,la dd vi

\ a y \ n 1 1 i 4 L h i ru c v 1 \ J j o c ,h u c h : t n h c r 'u d 6 e i ; r r o d , i u \i i 1 \ o d @

v , n h ; n d u n l \ o n r p r h r , D o r g r h o , c ; c J o \ U r o n g p h ; i l i \ a o \ \ i u d ' - d , hich nhiem vd nehia vu cna ben di vay dddc rdg bu6c tong HDTD.Nhng trcng HDTD se c6 diduthodn qur dinh lit ciLddn fiu brn Mng v) nhnng kloin thu klic phat sinh lrong qu6 lrinh hoat dOng cn! cq sd sdn NUir deu duqc phii tn nd va)

l L " n c h u / i n c o r h a - p d r p r h c o r ' 1 r , r o i s d , d h \d

-s Thu theo dinh ki.

o h u " o d o d h - L h L ; a ; i , n n e u u i \ ) \ 6 n c d ( i i r \ L b t h d r s rli ngui'i vay v6n phai dnng khouln riin d6 dd lrd nd cho Q'lD.

K r c ' h a n E , o \: , , ' l ' | ; , \ a ) J : u a l ' o n \ ; b - n h ; n s o r h a n o p l' r i i s

v a o f i n \ a y d i r r i , ' n ( l \ , n M I n i, b " , 1 , , l r r ' n e lr n ) b : d o n l \d n c i c o

" o , cho vay rheo lua! chuyin sinD QTD ;n b;r lr;ng ngay dnh hlnh kinn dodh v) di chid cn co sd fhuong llrtc cho vay niy cnns ti61 kien 6i da rian lay vi Ei sulit cho cd sd.

Kli cho vay luin clruy€n ngddita st dung h.n mfc cho !.y don vivay Han nrc chovay duqc tinh lhco cilng thuc sau:

r6ng nlru ciu vijn

ML:rc rieu du h;n8 b6a trons ki

So nsay rong lry (90 ngiy)

S6ngity c'la 0l rong 56 n8ay trong ndm hay qui

S0 vong quay v6n cho vay trong nan hay qui

D u n o ! h o v a y b i n h q u e

QTD

ihu brng tian mit; Co so vay v6n

phai n6p icn nft vao QTD d6nh,t dinl th@ ft6a ftuan vdi

Kn cho vay theo luan chuyAn hi6n iay thi kal 1hic thdi sid duv lri hqn ntc

fn dung c!, cdn cn theo Siay ft nghi vay vdn phudg 6n hoic dr,r en v€ h6 so vavv6n cna kl]ach hnns L bicn baD i\inr dinh da qlyal diDn cho vav i6p vZL ky hqpd6ng cho vay theo han mnc viL thoihen ndi

1.1,2.9 Lai suAi cho !!y:

Ndidan cbo vay chtng ta kh6ngtbo kh6ng dc cap den m6t pham 1ri! kjnh ter6ng hqp c6 lien qud mat lhi& d6 U, Iii suil cho vay Lai sudt cho u) b mot viin

da 51 phtc 1ap !n cO vai trd rat quan lrong d6i vdi thi tumg tALi chint cnnS nltu vaira' cna ei, ca d6i ldj thi t.uame hnns ho6 Chinh vi vay cb kh6ng il cons sic viLthdi eian duqc bd ra dd nshien citu va lai suat

1.2.9.1 Kn{i niem vC lti suAt cho vsy:

15, u.r la d li s,ta runr loi rn \u Jur io \di \6n d; cho va, Lrcng morthqi eid nhAt dinh

1.1.2.9.2 C6c h?n mnc tii suit

rrume riqr (iacn ndg ocn vay

cho vay ng;n h? vd truns han cna Qui

h^n li\ 2,25%

Truihe ba? kldch hdns d6i lay !6D c6 tha chip b;ne s6 ticn grii ial kiCmrhi ntu lai suir h nric Ei su6t rian grii !6 ki€n tai thdi djdm d€n lav cons ftcm0,2%

Trdog hqr khich hing dan vay rijn bing

nhu ciu sinn hoel cna khich h?tng ihi nrtc ldisuil

la2,4%

Ttuamg hop n6u khich hiLns vay v6n na cd

cho v{y iluqc sfr dqng tli Qui titr dlrbg

16n cd $a chip bids kh6 udc tht hi suitlin dung li I ,5%fthrng vAL mrjc lai suit quA

hinh drnc lin chip phuc \'! cho lii 1.6% viL mtc lai suit qud han

gi6y chrlng nhan Inhoivi€n cna

L1.2.9.3 Cichnahliil

ViOc tri Ei vay dudc lhvc hien fteo kj t t lai nD doanh nshi€p da ca'n k6t

t 0

Lei dcn vay Duno Tldi gidtinh Lai sudt

wy (W\sny,

Trong trotmg hgp dan kj ta nq theo cam kij! ngvdi vay k}6ng dn s6 tianquy dinh cho nOl kt han ba nd, dang thdi ngudi vay kh6ng duqc d chfc dr dlngchi! tlluan diAu cbi.h k' han tri nd ve sia ha-n nd thi ld chric dn drrng duqc quyanchuydn s6 tiin D9 phai Ea nhurg chua tra dLrqc sang nq qui han

l-ai suir vay (eolngay) =

JO

1,1.2.10 Quy trinh cho Y.y:

ngiL) giai n8an

So di I: Qur ttiah cho va! tu t0,aAa,000 dirs td xuiing

Khi cho vay thco hinh ftnc niy thi Lhi tuc cho va,r tludrc dm gian hm vn eidiquy6r duoc linh ir?!s dans kh6 kh.n l,l hiOn nat,mO1s6 n(n b, con nong dan chuaduqc cip g'liy 1d qutin sd hftu nh, vi quyan sd hnu dit chidh lhN da ldn 1ai san

$a chap vay v6n Q]D Khikhdch hnng rA' chi liin dm va sOtay theo nAu in sincia QTD Khi kl)ach hinC vay clri ci diin ho rcn, s6 chflng mi,rh nhan dan cnangua'i vay vd ngudi thira ka crlns sij ridn var, nuc dich sn dlne !6n vi blng ke taLisdn ldm dam bio, cht ki c|ja nCuoi ey vd n-!tri'i lbnt k6 phai day dn dnng ngudi

K h , c h o v - ) b a n s I h i u o c I n ; i , \ c ) k J u c h h ; r s p h r l " m l a i r o a n b o h ;

cant ctro vay bing kh6 uric khdch hdng cnng ip dung cho vay birs s6 sc gitn duqcsais6tcna khdch hdng, d6ng rhoicnng gidm ddoc c6ng liec cna c6n b01in dunS

t2

Khi cho !ry Lhach hine !ia1 diy di lno h6 so vat, v6n, ldn ('BND xt,phu@c 'i ,';1 ,li \ic ,linh K.i I BND \i phung roi Inii xac nhdn xone khachhing dem hO so va) nip lqi QTD, phdi kdn btn g6c giay chL!.e nhan quyon s'idun€ da ho"c qu)i .6 hiru thi d cdn bo ri dunr 'i hcr,1-rJ lra "Bdn.

Cho vsy 1r€r 10,000,000.i,irg

C t r u r S l - r J r n h l t _ 3 q a a N D r 1

"

n g a ) 2 0 l, ? lo o o n a !\ r l t ntn \i

b i o d i n , i i n r t r ) c u r c r c r i o i r I n - L n t Q I U \ D c h o r r ) n e ; n h c n r r a n l 0 E i i J

d a n g d 6 i 'o i h o n d n s d i n rl-;i \uchcn.; t-),l,nhb.od"r riin\a) cid QTD

dodh, dich vu hO so dAm bao lien vay thco quy dinh da dtdc vay thi ldrach hang

c a n ( o g r a y c n m e n n a n q r r r l

Khdch hnng sau khi hoan fianh bi hd so !a) thi dem hqp ddng th6 chip tiLi

r , h i r h ; p \" r Q lD .; bJ rn o ,; + , an nJ rn 'h:m dinh \ ; h c n $ d c h h a n gncay nhan tian Sau khi xem xir vi bi sun-q dil dn lren bd h6 so \"y v6n Cii! bO1in dlnC sechuttn h0 sq len |tnh.lao ki

rMm

dinh

Qty lin drng

So.ti2: Qu! ltinh chorot, tat 10,000,AAA diry

1.1.2.10.2.Cho vay kinh doznh dicl vtr:

l l i r u c , -o d r

" J I ' u i p h o J J \ u - n n o n e d r o h d h a n \ d ) c d r h i1dm thing mot ndn ilj nhu ciu kinh doanlr c,la khich hang hotc tui vdo linl hinh n-sudn v6n c,:ia QrD- Khich h,lng My hd so vay gim: cidr da nghi lay !6n, eiiy

Co quan c6 quydn rhdm

l l

phap ki.n dodh vZL phdog,n klnh doanlr, dich vu kha ihi; h0 so bao dam tien vaythco quydinh sau khi nhan h6 sdva' v6n Cdnbd tin durg se deD hnnb thaD dinh.

N i u h n s o u n d I n g , d , l - r a -r r n h , i u r , o , h r n b r r i n d u n g , r ; l a i h ; s o c h okn;ch h;ng Nau dane y cho \ay cn oi 'i dLnr n-;i b; s-rg r' I ph au t;fr d nn.titi thid dinh, bien bin HD'ID Rieng {hd cbap QSDD, vitc dinh sin cdn ct viodinh sia cna UBND tini dinh gid l?Li san thd chip Nau dins i thi gi6n d6c hotcph6 sieB d6c phu tiich in dung sa ki t,nn lap d6ng $e chap di sin, kl6ch hnns sedcn gi;y i g t) 'qp d"1J ,i clrt r .rn dJn f-org con! lhung di hmg nlanviec th6 ch.ip tdi san dd vay v6n Khi hop dADs dudc cdns.hnng rong, ftvimg lA

l u i , , o d ; r d o , a , n , a l d I h o n E r - r , d l - 1 , ! n i e - i' r i p o - o d A n , e n v a y b a n g l a i san ni dnig chinh liOn lu@g vd c6c khodn phu cnp cna ngddi vay dc rhanl lorn

l I 2 1 1 P h e t f i i n v a y -t h u n q - t h u ln i :

1 1 2 1 1 1 P h n t t i a n l a y

s a u $ , l , u ; n u , r l c c n g J c , h - m : n h x ( d u l e r h o \ d ) n i u k h o ; n d u q c

d u y i l h \ a J S d r ' i c ," \\,11' l-r,; a -r J, h lir nDlD lhr -dn bQ l,n dung chuyan toan bi hO sqcho cen b6 k6 bI1|r

t a n b n \i r i n r h ; r ' o r r c , 1 \ d J \ , r ' J J " n b , , r n o - e ! h u ) c n d c n l : i n

h ; r I r c n \ c r u t r h i \ , r l r 1 , E , d i u r ' n - ; ' d c J n b ' L i r o r l m o n o $ i i c h hang vay !6n nO1 tiLi l(noan cho var da ho?ch iorr s6 tiar dro vay L thu nd.

c n ' ! u \ e o o , ; n c h o \ d d u n p h r r l l D , D ld n b o L a , o i i 1 fr c h , i , ' nshiep vu hoach toiin rao sa ki ro:in Tian va)_ dvqc phdl bine iien mat hoAc chuyan Gi khoin thco yeu ciu cna khich hing vayv6n.

M6i Iin nhan rian

ren giiy.q phaic6 diy

ln 1odn bO hi so cho !ay.

$ " c h h A n E v a ) \ o n v q Q l D : n E r h c o J o n o \a ) r r a l ll D l D I p l i n p h v

Qly t n tham dlnh- xdl d!l'6t cho lay !i! gidi igAn QTD phai $vc hicn h61 sirc chil chE song clng;n giai qu:6t nhadn chdns rr,nh mAl nhieu $di sian ' u t n h - ) i n c h r 8 I u r i l \ " , J , ' 1 h u o d ) r o n e a i h o li c h rd n h L h d c h i d n k 'hoech s,in xuit kinh doann cr:E nstiti lay

au khisi6i ngan cinbilin dun8PhAiti6n h)nh kiaD ra rin-h hinh sn dung v6n vay cna khAch hans, thco ddilhqc t.4ng cialdisin dijnsdimbdotan vav b'o a o k i p h 4 , \o i u i a n d 1 ! n h i m s b ' i ' - i L n \ i n q l l l D l t r c u a M ; c h h r F \ d J '

1 1 2 1 1 , 2 T h u n q :

( d n !n \ i n J i c J i i m l , ' h J o 1 l n d n ' r ' ^ r i , " r F r a t c t u n l r \ d n 8 u ; n L i i r q cia khech hiLng QTD lhiathuen v{ti$lch h:Lng !a ki han td nq va shi vAo HDTD Moi khoinchovay QTDphaithu d,l.$u dnns thoihan kj bm dn dudc th6a $uan Bina QTD va khach hdng vaY !6n

Sa! khi cho vay, c6n bb k6 todn phii thudns xu)€n thco d6i ky h?n ra nd ghitr€n hqp tldng tin dung da thu h6inq vay

Trudc ngdy d6i hln rd nd c.1n bi k6 roin can dr6ng bdo cho c,n bO tin dlng biat dd lapgiiy b6o nq fi6n8 b6o cho thch Inng vav v6n dd d6n d6c $u nd

l 5

D6d han tri nq kh6ch hnns vay vijn dcn ri€n ktn Lheo HDTD dan QTDgiao cho c,5n b6 k6lord d6 ttn lh,i qc thu nq

Kh6ch hdns vay viSn cb di ln no bing tja

nlnh da 1ii rq vay cho QTD

C6n bO ka mdn $vc hion nghicp vu hoach roin ehi si5 dan v:to phdn mil "theodOi dan !dy, lri no" cr)a phu llc 1in dlrne

vd khAch hdns vay vijn cin lhda $uan !a s6lai fien vay phni d nhdg ld6ng vuotqua hi su;t da thda $uan rrong I iDTD

nguin ka nq cna khdch hdns vay v6n QTD !l rulnch hing vay vijn QTD vi krdchhidg th6a thuan vd viec trd n,r g6c !d lti ti.n vay

Q I D r h u l ; r i n f" y h , o d , ' h lj ' " , ; r r - j o i - , h u d c l n e n o s o c v a , a n

E i l a y

1.1,2.12 Phuong phnp hfch loin ctc nghiep !u Cho vay - Thtr |ni - Thu

nq tti QTD Vinh Kim:

1.1.2.12.1 K,6 to{n cbo vay:

khorir cho khdch hdng vay 86 phan ki lodn cin cri v?to chrlns d kE to6nohilu chi)

l m d H D I D li i n g r ; J ; - , , r d l l h l ' ) n \ r J : e € i , l i n e i n i a i \ a J b ; 1 etian nrt cho knich hingviighi:

N d T K 2 l I I l ( 0 1 0 2 0 3 0 { ) , 2 l 2 l l ( 0 1 0 2 0 3 0 4 )

C o T K l 0 l l l

, T10.g.16:

2 l l l l 0 l : N d n g i n h ? n d n d e u c h u a n v d i n \ r c d i c h s d n x u A t n 6 n g n g h i e p

2 | I I 1 0 2 : \ r n r ; n r n d , l i a u c l t r ; n " ' a ' c d c h o e d 0 l n c h a2l I I 103 : Nq ns6n han dr:i deu chuin vdi nuc dich kinh doanh2l I I104 :Nqngdn hqn dn d6u chuan vdimuc alich sinh hoat

2 1 2 l l 0 l :N s n g i n h ? n d n r i € u c h u i n v d i m l c d i c h s e n x u i t n 6 n g n g h i e p' rl 102 Na ng;n t1r du ri :L chu;n f o i m u c d , h n e " n h l e h c

212l l0l : Nd ngln hin dn !e! chuan vdimuc dich kjth doanh2l2ll04: No ngtn han dn lOu chua! ldi muc dich sinh ho?tSau dd HDm dudc ki: loan lvu gis var sip x6p khoa hoc da fien cho viec fiu

chuan)ke b,n ghi:

N q r K 3 9 4 1 1 : L a i p h n i d r uC6 TK ?02 :Thu lai vay1.1.2.12.2 D'I thn lii:

chutn) ke roiin ghi:

N d i K 3 9 4 1 1 : L a i p h d i L h u

Ttuirg hqp n6u kh6ch lrdne kh6ng rii lii d6n hen qu6 thdih4dquidlnh n6u

NqTK ?02 : Thu laivay

C 6 T K l 9 4 l l : L i i p h a i $ u K61odn se thu nd !a!,laicho rayliDo caclhvme thilc da drda lliuen lrcng

I ] D T D

-1 -1 2 -1 2 i K 6 to r t r t h d n q g 6 c rKhiddn han tri no hoac khi khech hing c6 nhu cau ra nd kc torn thi:

N q T K - f i a n n i lC6 TK Nq dn dau chuinN6u riin ray bjchuyin rqquehan kaloin sehich todn:

t 7

Trudhg h9? nq qun hqn:

N6u danvay bichu)an n,Jqunhdn karo6n se hach too:

N a f \ 2 l - - 2 \ J u l n - c h u r n

C o 1 K z l l l l , 2 l 2 l l \ 4 , ; l c h u JK6 ioin tbu Ini tal,:

D6n han rin laingunivay dan d6ng lai, khithu Ei k6 1oan ghi:

N d T K l o l l l T i a n n r a t

C 6 T K 7 0 2 L i i p h d i t h u

l r u m c \q r n i u L n ( h h:n8 k l o r c ( n l ; , J e , ' h t r n q u a r h b i h a n q u i d i 1 \ ' r ; rltudc d6kCtoan da ds 1hu laicho vay ka Loiin se hachlorn:

Kni6un?i, khnikiar viec !iphan itDl'D1hco qut dinhcia phiip luat

1.1,2.12.1.2, Kh{ch hing vay c6 nghia y!r:

1.1.2.12.2 Quyanri nshia v! cda QTD

YCu c,u l.h,ch hiLng cung.ciip rai lieu chtns ninh dd an diu tr, phuonssdn rujl bnn Juanh lTh \- h"; du;n a;u lr t\rorC dn rhuc w do \619thi, khd ndne 1di chinh cia mirh 1rudc khiquyil dinh cho vay

kl'd

Tt ch6i you cau vay v.in cna knich h:tns nJu 1b;) kh6ns dn diau kien layvon, dq iin vay ldn hoic phu6C dn !r) ld6ng cd hieu qui, kh6ng phn hqp rdi quydlnh cna phdp luat hoic QTD lldng dn ngu6nv6n cho vay

Kiah t.a, giin srr qua irinh vay v.in sn dung vij! vn hi n!' cna k}6ch hiLng.Chtn din vi€c cho vay thu hoi nq rrudc h?n khi phat hien kh6ch hdng cungcip thdng rin sairhar vi pham IIDTD

Khdi kienkhnch h?Lngri plao IJDTD Lhcoquy dinh cna phiip luar

Khi di- han d r o In" kl,a.h h;o8 $on8 r^t no ncu cac ban knoig cd Lhda

t h u d n k } c th i O f D d q u v n \ d l , , ; v r D J o d r n L ; \ r ) d ' e o i u r h o r r h r ; 0lrcng hqp ddng da fiu h6ino rhco qul dinh cLlr phip luet

1.1.2,12.2.2 QTD c6.ghia rq :

Tbtrc hian dnng drda thuin trongHDTD,

Le gin hd so tnr dunsphir hqp vdiquy dinh clLa phdp tuat

\ ; , d u n s r h t sfianrhncdahocdi u ) l ( ; o \ i q ' h k u b : e r l h i m r o n g $ o ieiatr thqc ta! €i QTD-

Thu 1hap s6lieu: Sn dung s6 litu qua cec bro cio hoat d6ng cna QTD VinhKint?iphdngke roan !A ciic s6liau c6lian quan khdc,

Tham knao di 1i0u k6 lo:1n rrgAn hdng nghitp \.u ngan hnng $uong nai.nghiep vu QID !, crc !,in kien c6lidn qnan

Tonghqpphenfich so sdnh dAnh cid dua liL si lieu ba ndm

I t

S'l duna ohuo€ DhAD dic citu:

S o s d n n b r n g 5 0 r u r i r d d i L i L k i r q u d r n p h d p t r n B i t } a t r i s 6 c i a k , p h a n h

vdj ki siic cna c6c chl ticu kinh (d

vdi k' g6c c'la crc chi fieu kinl te

5otudg dor - (\J lau - rq goc' at go(

20

CHU'ONG 2: PIIAN TiCH TiNH HiNII CHO VAY T4T QTD

VIh"H KIM :

2.1 Gi6i rhicu va QTDVinh Kim:

2.1.r D{c.lian linh hinh hoft ilong ldnh doanh:

2,1.1,1 Qu{ trinh Ii.L thnn[:

2 1 1 1 1 D ! r c h i

Ted:Qut tin 4ns nhrn drn xa vinh Kim

viet dt:QTDND vinh Kim

xa vinh Kin r,'ru6c hulon c6u N8ans c6 qu6c l0 53 chay qua Phia D6ne

g x p " d n g a n p h i d a r g i a p \ ; K r n l l o d f h a \ r m e i a p \ A v i H o A p l l B ; cgi6p sijng Tian Xn Phtdc IIao- ri Hun-q Mi thu6c huyen Chau Tnanh xa VitllKin c6 lO ip g6m 3.766 hi rdi I?.046 nhan kbiu fiu h6r DL dan toc kinh, ld diaphumg nangtinh chil lin gieo: dro C6ng Giiio d?o Ph61 dao Cao DAi, d6ng nhitliL COns GiAo vdi?448 giiio d6n chi6m 43.?% lnne s6 d6nr Dao Phat 2-409 phal t,i,chi.;n l4,l% r6ng s6 {-1,n; cao Dai663 nsudirheo dao chiarn 3.8% r6ng s6 dan

XA c6 die! dch 1u nhian 3918 ha, di6n tich cdnh l,c 1891 ha ?07d lzd n6ng

Di bim hoat d6n-q cLla QID nhan dan xt \ridh (nn gan 5 xa: vinh Kim,

C h ; L lh ; n h N g v a i d J l : o r ' p b ; , c , , ' s l x n n : r r i n s l r r I r r 8 m a u n J o i r ' i n sthui sdn chln nu6i budn ban nhd dich !u 8he $i, m6y xdi Vinh Klm cdn la

d i i m d o d i d B hoi oons r h , J v - f 1 d , o n g h L i, v r r n n u c ; r r i v r i rftir can cho nsudi dan todc da' khi QTD chua ra doi xn Vinh Kin h not lrorennimg diin rdng va cho vay ilng lai dudi nroi hinh 1htc nhur car c6, vay neiLy,vay tudn vay rhiing vdi Iai suir rir cao ( ru 4 ddn lo%)

2 l

2.1.1.3.Qun rinh hinh d,ADh vnphdttrietr:

QTD ND xa Vinh Kn! dddc tHnh hp thco siay phip s6: 09NH GP.Chtnh thtc di vio hoat dons G nedy 20/0U1996, !d'i v6t bm dau DL 100 trieudin8, do l9 thdnh li€n d6ng gqr

c l 6 i n h ' a m k j 2 0 0 4 - 2 0 u o ; n d c u l : d r 2 a 8 r , i i d n o n p d d \ 6 n t u I

F , e L d ; n g ! o l i n n J , i nl,dn \ J n f \ r l c n ) li 2 4 1 r i i l d , i n g

vao lhing 54003 duoc sdk6 hoach diu u cip giiy phdp uu dai diu 1u.Ntn 2005 tham giahiep hoi QTD nhan dan Viei Na'n

giao dich xa MY Long Bic

c!i5i nhiem ki 2007 2008 !6n diau la d.l ddoc 499 fieu dans.Trong d6

v o n r u I r i L d ^ n s r ' i c n \rv co phan r h u o n s r L \ i l d a l r i a u d a r e

T n k J r i h a n l ; p Q l D , l r - n ) r a h o \ a r n ; n s l d i g i m ,d R r d a , i s 6 1 scna nsuid dan dAn duqc cdi thien rd dudcnangcao lon

QTD Vinh Kim

QTD ND Vinh Kim hoat dins thco cd ch6 ftinl doanh tumg d6i d,y dn c6ch,ic nrns huy d6ng noi khoin tian sni cna nqi fiinh phan ti r f.i d d6 dau ru !ndun-q phuc vu nhu ci! phiit 1iidn ki r 6 Nhi nvdc viL nong thon ctng vdi cdcnghiep vu thanh lo:ln g6n c6c hoat d6ng nhd sau:

2.1.1.2.1.1 Huy.iors vi6n:

K h a i ll - d c \ d h L ) L U f o n c u d o r c i l1 , \ n : r c u l r n 9 c m o i r h d n h p h : okinl ti: bao gOm cdc loairian gnic6 kihin lii kh6nski han.

2 1 1 - 2 1 2 D a u n r ti n d u n g :

Cho lay ngin h4n : Dii vdi crc hodL d6nB san xuit ki r doanh hdg hoe va

Cho vay Lang han : D6i vdi cdc muc riau hieu qua hodc ,nuc ti6u tu! linh

72

2.r.1.2 ChN nnlg !i nhiom vu cna QTD ND vinh Kim:

nane kinh doa h dc nqnp rang hsp trin lh' \u riin ri r n d,.ng d6i vdi cdc iinhan lhuoc mqithinh phin kinh l€ liong va ngoii nu6c, nhin lim dai li n),lhic cAneudn n nein han trung han cna chinh rhn cnc 16 chnckinh rd - xt h6i, ca nh6n

Q T D \ i 1 - K r r L h u h i i \ a c ir eii ra q-Jr I nhr J khoin l , : rh a c b i r ecdch md 1ai khoin 1ie! sni cho khdch hdne, d6ng thdi rhar nhhg khoan chi hAtheo l€nh cna chn taikhoan

N e o - i n Q D \ i n h K i m lo r r , , h J n I h i c r \ ! d o i r r a b ; o ro n n g n q u t

r a p h a r u i a n n e u o n f o , k : n h d o n h L l " d d r r h d c h ; e n r o r k c h o c h h i d " o l r l acip li€n ftuchienkdhoach can dii iiichinh hn 16r lailro trung gian qum trangltviechuy d6ng va phtn ph6ingu6n vin, uo ddng luc phrl t.idnkinh 6 huy€n nbiL

TiN D\,Nc

t l

2.1.1.3.2 NhiQm v'! rn ch'ic.ins cir cnc phdngban:

HAi di"e (!tuir tti:

Cht tich HOi.litg qad,lti:

Chiu liich nliEm trudc dei hoi thiLDh vidn vd HOi dong quen U vc c6c c6ng

DaidiCn cbo QTD ND lru.tc phip lulL

Ci6fr siil liec di€u hinh c,laciim d6c QTD.

Kicrcven brLn thuOc rhdn quy:n lJDQT.Quy6r dinh c{c knoan !.y vuot qua

rham quyan cna ciiim d6c.

Dieu hnrh bdn bi hoat dirs crla QTD, tep

J u n C , n g u a i n u c I c p r g ) i c n c u l r v l , c n p \ " c r h u o c c d c n c i a p w d ; u r u ,';,' dr ,hong I n phrl rlh lhxcl' h-, t J( "ui chu vJy hui kndng cho vaI ddivdi titng khnch hdng da bno ceo vd rn li khi cd tinh hu6ns xiu inh hvmg d6n v6n

d ; L u , ! a Q]D Don d n , F h d c h - ; r E , h u \ i a _ rl , d i i g h i J u id QlD

B0 phA" k6 tod,:

Phdng ka lo6n Id noi khdch hing Inn ftn tuc gdi lian l)m thn llc thu chi dichinh, hlch loin kinh do.nh dim biio nhaft ch6ng kip thdi c}jDir x6clao diau kiencho c6ng tiic kinh doa.n phiir tiin r,ir, cnnS c6 U ng cao uy iin phlc \a kliich

Thuc lri€n vicc thanh tonn, ghi chap rh6 hi6n ral ci ctc ngiiep !u phil sinhmol cdch dal dn, chinh x6c lrung lhrc kip thi'i vi cn he th6ng Nho db Bd hnhil4o kip lhdin;n hillinh linh rhrc hian ka hoach rin dung {6ng hqp inn hinh thqc

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