Nhiing chu dg dugc hd trg nghien cuu bao gdm: nghien cuu phit trign nhCing san phim tai chinh mdi nhu huy dgng vdn dai ban d khu vyc ndng thdn, cho vay theo ddng tien, hay phit trig[r]
Trang 11^ 4 MitngXudn Tdn Mdo l^^J NGAN HANG Vdl SIJ NGHIEP PHAT TRIEN NONG NGHIEP VA NONG THON ^
Lam the nao
da cac ngan hang cd thd tham gia vao thj ttiTdng tai chinh ndng thdn Vidt Nam
mdt each cd hidu qua va an toan P
Sou han 20 nam doi mai,
Viet Nam da dgt dirge nhCrng
thdnh ti/u kinh te an ti/gng,
song van con la mot quoc gia
ngh^o vol thu nhgp tha'p va
tiem nang phat trien lan chua
dirge khai thde, nhd't Id khu
vuc nong nghiep, nong thon
Hien nay, tren 70% ddn so
Viet Nam van dang song o
khu vuc nong thon vd nong
nghiep van Id nguon thu
nhgp chfnh Khu vuc nong
thon Viet Nam Id mgt thj
trudng co tiem ndng khai thde
rgng lan, song Viet Nam con
thieu mgt he thong tdi chfnh
nong thon ben vung de phyc
vu cho khu vuc ndy Bdi vie't
sou ddy phdn tfch ro nhung
nhdn to' cdn tra qud trinh
tham gia cua cac ngdn hdng
vdo thj truang tdi chfnh nong
thon vd de xud't cdc gidi
phdp de cde ngdn hdng tham
gia vdo thj trudng ndy mgt
cdch CO hieu qud, gop phdn
bdo ve moi truang vd phdt
trien kinh te nong nghiep,
nong thon ben vi/ng
Kama
Cliuygnmucnaydo
AGRIBANK tai tru
TS Hoang Huy Ha *
Nang cao mite song a khu vuc ndng thon van se la mgt thach thitc lan doi vai Viet Nam
1 Khu virc nong thon va nhu cau ve vd'n cho dau tu phat trien
Sau ban 20 nim ddi mdi, Viet Nam da dat dugc nhung thinh tyu kinh tg an tugng, song van cdn la mdt qudc gia ngheo vdi thu nhip GDP binh quan dau ngudi thip va tiem ning phit trign Idn chua duac khai thic
Theo sd lieu mdi cdng bd, ty le ngheo cua Viet Nam da giam 75% kg tu nim 1993 dgn nam
2009, song dy tinh vin cdn khoang 12 trieu ngudi ngheo (14,5%), khoang 85% trong sd
dd sdng d ndng thdn Hien nay, trgn 70% din sd Viet Nam vin
* Pho Tong Giam doc Ngan hang OSu tu va Phat trien Viet Nam
Tap chi Ilgan hang so2o3/20ll 87
Trang 2Mung Xudn Tdn Mdo
j ^ NGAN HANG Vdl SLT NGHIEP PHAT TRIEN NONG NGHIEP VA N 6 N G THON
dang sdng d khu vyc ndng thdn
va ndng nghiep van la ngudn thu
nhip chinh cua hg Ning cao
muc sdng d khu vyc ndng thdn
vin se la mdt thach thuc Idn ddi
vdi Viet Nam
D I dat muc tigu phit trign khu
vyc ndng thdn bgn vung va tigp
tuc nhCing thinh cdng trong xda
ddi giam ngheo, trong kg hoach
5 nim tilp theo, Chinh phu dy
kign muc tdng muc dau tu cho
kinh tg ndng thdn khoang 5 - 6 ty
USD mdi nim Trong do, dy kign
diu tu cua khu vyc tu nhin chiem
khoang 40% bay mdi khoang 2
-2,5 ty USD Do dd, ben canh diu
tu cua Nhi nudc, sy tham gia cua
he thdng ngin bang vao phit
trign khu vyc ndng thdn se la
ngudn bd sung can thigt
2 He thd'ng ngan hang va
thj trudng tai chfnh nong
thon Viet Nam
Qui trinh cai cich khu vyc tai
chinh bat diu mdt cich manh me
tu diu nhiing nam 2000, da dat
dugc nhung kgt qua rit ding ke
Dgn nay, Viet Nam da hinh thanh
mdt he thdng tai chinh trung gian chinh thuc vdi 44 ngin bing (trong dd 5 ngin bang thuang mai Nha nudc, 39 ngin bing thuang mai cd phin, tren 900 Qui tin dung nhan dan (PCF) vi sy tham gia cua nhieu djnh chg tai chinh nudc ngoai Trong giai doan tu nam 2000 dgn nay, nigm
dn vao he thdng ngin hing da tang len nhanh chdng, thd hien d
ti le tien gui, tu 24% GDP Ign tren 60% GDP; ngudn tin dung cho nin kinh te cung dat muc tang trudng binb quin hing nam gin 30% He thdng thanh toin lign ngin hang va ngi bd cic ngin hang, dugc xiy dyng theo cic tigu chuin qudc te, da giup cai thien cac djch vu thanh toin, diy nhanh vdng quay vdn vi ting tinh bieu qua cua viec din vdn
Mac du da cd nhiing budc phit trign Idn, song boat ddng cua be thdng ngin hang, tru Ngan bang Ndng nghiep va Phit trien Ndng thdn Viet Nam (Agribank), chii yeu vin d khu vyc nhirng trung tim Idn va thinh phd, thj xa trung tam tinh, chua dat dugc tinh hieu
qua cdng nhu md rdng sv -P c^n
cua cic djch vu tii chin" den cac
khu vyc ndng thdn Khu \ yc ndng thdn li mdt thj trudng cd tigm nang khai thic rgng Idn, nai sinh sdng cua tren 70% dan sd ca nudc, song Viet Nam cdn thigu mdt be thdng tii chinh ndng thdn ben vung dl phuc vu cho khu vyc niy Mdi cbi cd khoang 32% ngudi ngheo d ndng thdn tigp can dugc tdi nguon vdn cua cac dinh che tii chinh chinh thuc Cac doanh nghiep ndng thdn, dac biet
la cac doanh nghiep vi md va nho
da tao ra 2/3 sd cdng an viec lam, song tiep tuc gap khd khin trong viec tigp can cic ngudn tai chinh cho nbu ciu diu tu Cic doanh nghiep tu nhin ndng thdn tai trg khoang 75% cic khoan diu tu mdi tu nhiing ngudn phi thuang mai, nhu tu cic ngudn vdn ty eo, tir gia dinh, ban be, hay tu cic qui ndi bd ciia doanh nghiep (lgi nhuan giu lai) Sy phu thuge qua Idn vio cic ngudn ndi tren da lam ban chg qui md phit trign va kha nang md rdng thj trudng ciia doanh nghiep
De tung budc
chiem linh thi
trudng nong thon
rgng Idn, cac
ngan hang can
phat then mat
chien lugc cu the
de hudng de'n thi
truang nay
88 Tap chi Ilgan hang so 2o3/20ll Ghuvfifi "iHo nay do
A G R I B A N K tai tro 1^
Trang 3MwngXudn Tdn Mdo
NGAN HANG Vdl SL/ NGHIEP PHAT TRIEN NONG NGHIEP VA NONG THON 4
3 Nhung nhan to'can tro
qua trinh tham gia cua cac
ngan hang vao thj truang
tai chfnh nong thon
Cd nhigu nhin td tic ddng din
qui trinh tham gia cua cic ngin
hing vao thj trudng tii chinh
ndng thdn Nhin td diu tign li
hiu hgt cic ngin hing cdn thigu
mdt chign lugc cu thg hudng dgn
thi trudng ndng thdn Mdt trong
nhCrng nguygn nhin lam cho cic
ngin hing chua tich eye md rdng
ra khu vyc ndng thdn la thigu
ngudn vdn do kha nang huy dgng
cdn ygu, die biet la ngudn vdn
trung vi dai ban Viec cic ngin
hang van ip dung qui djnh vg tai
san thg chap dg phdng ngua rui
ro, va nhung ygu kem tCr phia ngi
tai doanh nghiep, nhu chuin bi kg
hoach kinh doanh kem, thigu he
thdng kg toin lanh manh va cic
bio cio tai chinh, thieu tii san
dam bao li mgt trd ngai Idn cho
cic doanh nghiep ndng thdn trong
tiep can dgn djch vu ngan bing
Ngoai ra, chit lugng san phim va
djch vu ngin hing cho khu vyc
ndng thdn cdn thip va dan dieu,
cic djch vu khdng dip ung dugc
nhu ciu da dang cua san xuit
ndng nghiep, la ITnh vyc chju
nhigu tic ddng cua rui ro thdi tidt
hay djch benh lign quan dgn ciy
trdng, vit nudi Hon nua, vin dg
bao ve mdi trudng trong cic hoat
ddng san xuit kinh doanh a ckc
vung ndng thdn cdn chua dugc
quan tim dung muc va ngay mdt
trd ngn cip bich, ciing la mdt rui
ro trd ngai khi cac ngin hing md
rdng boat ddng ra khu vyc nay
4 Lam the nao de cac
ngan hang tham gia vao thj
truong tai chfnh nong thon
mgt each hieu qua?
Tit ca nhiing nhin td ngu trgn
da lam cho cic ngin hang, cic
doanh nghiep va hd gia dinh ndng thdn chua gap dugc nhau
Ndi each khic, dg cic ngin hang
cd the tham gia vao thj trudng tai chinh ndng thdn mgt each hieu qua, nhung nhin td trgn can dugc xem xet xu ly
(i) Can xay dung mot chien liro'c cu the hudng tdi khu vuc ndng thdn
Hoat dgng ngin hang da mang tinh canh tranh cao, song chu ygu mdi l i d cic trung tim kinh td
Idn, 6 ckc thanh phd, thj xa
Canh tranh boat ddng ngin bang
d khu vyc ndng thdn cdn ygu
Trong sd cic ngin hang, dudng nbu mdi chi cd Agribank da cd chign lugc rd rang trong phuc vu khu vyc ndng thdn va vin li djnh chg duy nhit cd boat ddng d vung siu, vung xa Dg tung budc chigm ITnh thj trudng ndng thdn rdng Idn, cic ngin bing cin phit tridn mdt chign lugc cu the de hudng dgn thj trudng niy Chign lugc nay se bao gdm cic chien lugc kinh doanh, kg hoach phit trien mang ludi chi nhinh hieu qua vdi thdi gian bigu cu the vi
kg hoach tuygn dyng, dio tao cin
bg dg md rdng boat dgng tdi khu vyc ndng thdn mdt cich ben vCrng, vi tung budc vuan tdi vung siu, vung xa Hoat ddng cho vay d khu vyc ndng thdn cung cd nhCing die thu khic biet,
do dd, cdng tic dio tao nghiep
vu tai chinh ndng thdn cho cic can bd cung cin dugc quan tam dung muc, vi di kem la phat tridn
he thdng quan ly rui ro, he thdng kigm soit chit lugng phu hgp vdi die thu mang tinh thdi vu cua san xuit kinh doanh san pham ndng nghiep Hd trg, chuan hda
vi phit trign mdt cich cd hieu qua he thdng cic Qui tin dung nhin din va cic to chuc tii chinh
vi md d ndng thdn
(ii) Huy ddng vdn va phat trien nhung san pham huy dong vdn mdi
Mgt trong nhung nguygn nhin lam ban chg sy tham gia cua cic ngin hang vio thj trudng tai chinh ndng thdn la ngin hang thigu vdn, die biet la trong huy dgng ngudn vdn trung vi dai ban
dg su dung cho vay md rgng diu
tu vao khu vyc ndng thdn Chi chua dgn 1/3 cic khoan tign huy ddng dugc tu he thdng ngin hang
cd thdi ban tren 12 thing Dd dip ung nhu cau cho vay diu tu, mdt phin ngudn vdn ngin ban di dugc su dung tii trg cho cic
kho-an vay cd ky bkho-an, va tao ra sy mit cin ddi vg ky ban va rui ro thanh khoan Mdt thuc tg la 4 thinh phd Idn la Hi Ndi, Hai Phong, Da Ning va Tp Hd Cbi Minh chigm dgn 70% tdng tign gui tigt kiem, song cung su dung 52% tdng tin dung cua cic ngin hing Tu dd cd thg thay la nhung khu vyc ngoai 4 thinh phd Idn nay (d 60 tinh cdn lai) gap khd khin trong viec buy dgng vdn dip ung cho nhu cau cho vay d dia phuang Ly do la bien nay cic ngin hang chu ygu vin huy ddng vdn thdng qua cic san phim truyen thdng tu din cu vi doanh nghiep, chua cd cac sin phim tiet kiem mdi phu hgp cho huy ddng vdn d khu vyc ndng thdn Nhiem vu cua be thdng ngin hang, do dd, l i phai cd mdt chign lugc cu thg trong viec thigt
kg, tigp thj nhung san phim tigt kiem dai ban mdi, da dang vi bap dan, cd thg nhu ca ciu cac tai khoan tigt kiem, chung chi tign gui hay nhung san pham khic nhu trii phigu, de thu hut ngudn vdn nhan rdi tu khu vyc ndng thdn, md rgng ngudn tai chd cho diu tu phit triln
wm Chuy6nmucnaydo AGRIBANK tai trfl Tap chi Ilgan hang so 2«3/20il 89
Trang 4Mitng Xudn Tdn Mdo
^ NGAN HANG VOI SL/ NGHIEP PHAT TRIEN NONG NGHIEP vA NONG THON
(iii) Phat trien cdng nghe
tin dung mdi - Cho vay theo
ddng tien
Mgt trd ngai niia dg ngin bing
va doanh nghiep gap nhau li cic
ngin hang vin chu ygu cho vay
tren ca sd tai san thg chip Trong
khi do, ngudi din vi cac doanh
nghiep ndng thdn thudng it cd tai
san thg chip cd gii trj (hoae cd
the dugc chap nhan), vi viy, viec
tigp can cua ngin hang dgn
nhung ddi tugng nay bj ban chg
Dg vugt qua trd ngai niy, cic
ngin hing cin nghign cuu ip
dung mdt cich phd bign ban
nhung cdng nghe tin dung mdi,
nhu cho vay theo ddng tign Cdng
nghe tin dung cho vay dya trgn
ddng tign se cung cip cho cic
ngan bang cic miu sin phim tin
dung dugc chuin hda, tbich ung
vdi khich hing, cho phep dinb
gii tdt ban ning lye tra ng cua
ngudi vay theo cic ygu td diu
vao ma khdng hoin toan phu
thudc vio tii san thg chip Cdng
nghe nay cung ddi hdi boat ddng
dao tao dg cic cin bd tin dyng vi
can bg quan ly d cic chi nhinh
nim bat va ung dung mdt cich
tdt nhit
(iv) Hd tro- ky thuat va dao
tao cho cac doanh nghiep
ndng thdn
Trong thdi ky doi mdi, sd
lugng vi chit lugng djch vu ngin
bang ngiy cang da dang, tien
tign Tuy nhign, ngudi din va cic
doanh nghiep ndng thdn dudng
nhu vin cdn chua dugc budng lgi
diy dii tu nhiing thinh qua cua
cdng cudc ddi mdi trong ITnh vyc
ngin hang Sy tigp can dugc din
dich vu ngin hang cua ngudi dan
va doanh nghiep ndng thdn vin
cdn rit ban chg Dilu niy mdt
phin la do nhung nguygn nhan
yeu kem tu phia ndi tai cac doanh
nghiep nhu trong khiu chuin bj
kg hoach kinh doanh, thilu he thdng bio cao tai chinh, ke toin linh manh
Van dg trgn cd thi dugc xu ly thdng qua cic boat ddng dio tao
va hd trg ky thuat cho cic doanh nghiep va bg san xuit kinh doanh
d khu vyc ndng thdn cung nhu cic ngin hang tham gia cung cip djch vu Ddi vdi cac doanh nghiep va hg gia dinh, viec cin thiet li dao tao, hudng din cho
bg lam thg nao de xiy dyng dugc mdt kg hoach kinh doanh gin ket mdt cich tdt ban vdi ygu cau cua cac ngin bang, thigt lip vi duy tri mdt he thdng kg toin, bio cio tai chinh lanh manh, bay lam thg nao de ning cao tinh hieu qua va kha ning sinh ldi, Hudng din
ed the ddn tu phia cic ngin bang thdng qua cac ldp dao tao hay hudng din tryc tigp cua cic cin
bd tin dung kbi tigp can hd so vay cua khich hang Hoat ddng dao tao cho cic doanh nghiep cd the hieu qua ban vi dat qui md rdng rai ban thdng qua cic Hiep bdi doanh nghiep hay cic td chuc nghg nghiep Tuy nhign, diy l i nhung boat ddng trg giiip mang tinh vT md, do dd rat cin cd nhung bien phip hd trg phu hgp
tu phia Chinh phu ma khdng thg dya vio mdt vai dan vj rigng le
(v) Phat trien thj trudng bao
hiem ndng nghiep
Mdt ygu td quan trgng ddi hdi phai cd nhung budc tilp can mdt cich sang tao mdi trong phit trign thj trudng tai chinh ndng thdn chinh la vin dg giam thilu cic rui ro ddi vdi cic khoan vay cua ngin hang trong ITnh vyc san xuit ndng nghiep vi kinh doanh cac san phim ndng nghiep Han 70% din sd Viet Nam sdng d khu vyc ndng thdn vi ndng nghiep vin la ngudn sdng chinh ciia bg
Tuy nhign, nganh ndng nghiep d
Viet Nam lai bj anh hu -._: nhigu nhit bdi nhung rui ro ^ - thai tiet (lu lut, ban bin, bao s va dich benh (djch cum gia earn, beo tai xanh ) Rui ro mit vdn cao do nhung die thu cua san xuit ndng nghiep, trong khi lai chua cd thj trudng bao hilm ndng nghiep phit trien da lim nan Idng cac ngin bing khi tham gia vao thi trudng tai chinh ndng thdn
Theo cic chuygn gia bao higm, bao hilm ndng nghiep la linh vuc phuc tap, tdn kem vi kha nang sinh ldi thap, rit de bj Id Do do,
dg tung budc phat trign bao hiem ndng nghiep, theo kinh nghiem cua cic nudc, Nha nudc cin co bien phip hd trg cho ca doanh nghiep kinh doanh bao hiem cung nhu hd trg phi bao higm cho ngudi dan Vg phia ngan hang, dl giam thieu riii ro cho ban thin, cic ngin hang ciing cin ed chinh sich hd trg nhu mign hay giam lai ddi vdi khich hang cd tham gia bao higm ndng nghiep de khuygn khich khich hang vay vdn tham gia mua bao higm Ngoii ra, sy tham gia ciia chinh quygn dia phuang, cac td chiic chinh trj xa hgi trong viec tuyen truygn van ddng thu hut dong dao ngudi din tham gia bao higm ndng nghiep se la rat can thiet de xiy dyng mgt thi trudng bao hiem ndng nghiep phit trign
(vi) Tham gia ciia ngan hang vao bao ve mdi trudng
Cung vdi sy phat tridn cua nen kinh tg thj trudng, vin dg moi trudng d Viet Nam da ngay mot trd ngn cip bich Dang va Nha nudc da ban hanh Luit vl Bao ve mdi trudng Mac du viy, viec thyc thi Luit Bao ve mdi trudng
a cic dia phuong cdn rit ban
chg O khu vyc ndng thdn cdn tdn tai tip quin sin xuit ty phit
vi tim ly phat trien kinh tl la
90 Tap chi ngan hang so 2o3/2011 Chuyen muc nay do
Trang 5MitngXudn Tdn Mdo
NGAN HANG Vdl SU NGHIEP P H A T TRIEN NONG NGHIEP VA NONG THON ^
trgn bet ma bd qua vin dg bao ve
mdi trudng Dilu niy da din din
nhung digm ndng vl mdi trudng
d khu vyc ndng thdn, nhit li d
nhung ling nghi thu cdng va cic
khu vyc cd sy tip trung cao cic
doanh nghiep trong nganh san
xuit, tii chg giay, niu chay kim
loai vi nhya thu cdng, det
nhu-dm, chg bign thyc phim ndng
san Nguy copbai ddng cira nha
may hay thu hep san xuat a
nhiing ea sd khdng dip ung vin
dg bao ve mdi trudng da din den
rui ro khdng tra dugc ng cho
ngin hing Vin de bao ve mdi
trudng, do dd, cin dugc cic ngan
bang xem xet mdt cich tich eye
de cd thg kgt hgp hai hda lgi ich
cua ngin hang, cua doanh nghiep
va bao ve dugc mdi trudng Digu
nay cd thd dugc thyc hien thdng
qua dao tao tap huin cho cin bd
quan ly va can bg tin dung vg
cic chinh sach bao ve mdi
trudng hien hinh; cich thuc nhin
bigt vi phin loai khoan vay phu
hgp vdi cic qui dinh ve bao ve
mdi trudng; tang cudng sy phdi
hgp giira can bd tin dung vdi ca
quan mdi trudng dja phuang
trong viec thim djnh va giim sit
sy tuin thii cua cic ca sd sin
xuit sau khi cho vay; va qui trinh
tham van cdng ddng dja phuang
dg giam thieu nhung rui ro kbi
cho vay d khu vyc ndng thdn
5 Cac Du an Tai chfnh
Nong thon va su tham gia
cua Ngan hang Dau tu va
Phat trien Viet Nam vao thj
trudng tai chfnh nong thon
Trong sd cic dy in vay vdn tin
dung qudc tg phuc vu phit trign
khu vyc ndng thdn Viet Nam,
Ngin bang Diu tu va Phit triln
Viet Nam (BIDV), thdng qua Sd
Giao dich III, dugc Chinh phu
giao quan ly ngudn vdn vi trign
khai thyc hien 3 Dy in, li cic Dy
in Tii chinh Ndng thdn I, II & III vdi tdng sd vdn vay Ngin hing The gidi (V/B) Ign din 548 trieu USD Cic Dy an cd muc tieu chung la bd sung ngudn vdn cd
ky ban cho cic djnh che dg dap ung nhu ciu diu tu d khu vyc ndng thdn va hd trg phit trign he thdng tii chinh ndng thdn bgn vCing
Cic Dy in Tai chinh Ndng thdn di vi dang tigp tuc gdp phin tich eye giai quygt nhung vin dg chinh ygu cua he thdng tai chinh ndng thdn Dy in da thanh cdng trong viec bd sung them ngudn vdn cho be thdng ngin bang, die biet la ngudn vdn trung
va dai ban dg thyc hien cic boat ddng cho vay diu tu d khu vyc ndng thdn Tinh gdp ca 3 Dy in,
tu nam 2002 dgn nay, cic Dy an
da bd sung mdt lugng vdn cho diu tu phit trign ndng thdn Idn dgn 29 nghin ty ddng (1,6 ty USD), trong dd tren 90% la vdn trung va dai ban Cic Dy in Tai chinh Ndng thdn cung gdp phin
hd trg phit trien he thdng tai chinh ndng thdn vdi viec tai trg cho cic hgp ddng tu vin hd trg cic ngin bang thyc hien cic kl hoach chign lugc va dio tao cho trgn 30 nghin cin bd cua cic ngin hing vg ITnh vyc tii chinh ndng thdn
Mdt ddng gdp quan trgng cua
Dy in Tai chinh Ndng thdn cho
sy phit trign bgn vung d khu vyc ndng thdn li, trong Dy in Tai chinh Ndng thdn, lin diu tign d Viet Nam da gin kgt cac qui djnh vg bao ve mdi trudng vdi cic boat ddng cho vay Diy dugc xem l i mdt thyc tien tdt trong viec kgt hgp dinh gii mdi trudng vdi boat dgng cho vay tin dung
d khu vyc ndng thdn mi cic ngin hing cd the ap dung ngoai
pham vi cic Du in Tii chinh Ndng thdn
Digu quan trgng ban niia li, ngoai cac muc tigu tuang ty nhu cic dy in trudc, trong Dy in Tii chinh Ndng thdn III, mgt phan vdn da dugc Chinh phu, WB va BIDV thdng nhit dinh dg nghign cuu giai quygt mdt sd vin dg dugc xem l i trd ngai cho cic ngan hang khi tham gia vao thj trudng tii chinh ndng thdn Nhiing chu dg dugc hd trg nghien cuu bao gdm: nghien cuu phit trign nhCing san phim tai chinh mdi nhu huy dgng vdn dai ban d khu vyc ndng thdn, cho vay theo ddng tien, hay phit trign nhCrng san phim bao hiem rui ro trong ndng nghiep; bgn canh dd la tuygn truygn quang b i vg bao ve mdi trudng va dao tao cho cic ngan hang vg qui trinh thim djnh
va kigm tra tuin thu mdi trudng kbi cho vay; bd trg cic doanh nghiep ndng thdn vdi chuang trinh dao tao, thdng qua Hiep hdi Doanh nghiep nhd vi vua Viet Nam, vg phuang phip lip ke hoach kinh doanh bieu qua, phat trign be thdng ke toin theo chuin myc, quan ly ngudn lye va phit trign sin xuit kinh doanh; ngoai
ra, Dy in cung hd trg ting cudng ning lye di ddi vdi quan ly, giim sat he thdng Qui tin dung nhan dan dg ning cao tinh ben viing cua be thdng va cung cip tdt ban cac djch vu tai chinh vi md d khu vyc ndng thdn Tit ca cic boat ddng trgn dang dugc BIDV phdi hgp tich eye vdi cic dan vj lien quan trign khai trong khudn khd
Dy in Tii chinh Ndng thdn III Ket qua cua nhiing nghign cuu, ung dung nay se la nhung ddng gdp thiet thyc cua Dy in Tai chinh Ndng thdn va cua BIDV cho mgt thj trudng tai chinh ndng thdn hieu qua va an toin •
Chuyen muc nay do
AGRIBANK tai tro Tap chi Ilgan hang so 2^3 /20II 91