tin dung giup cho nganh cao su cua tinh phat trien, hdn ntta trien vpng phat trie'n cua nganh cao su Gia Lai eung da dttdc lanh dao tinh danh gia tdng hdp qua nhieu nam va quy hoaeh [r]
Trang 1• I l l ' SINH VIEN & NGHIEN CUfU KHOA HQC
TIN DUNG NGAN HANG DOI VOfI PHAT TRIEN
NGANH CAO SU GIA LAI
Nguyen Tan Hoang BIDV Gia Lai
• m ^ ^Tghien cdu ndy nham ddnh gid tinh hinh ddu td tin dung ngdn hdng ddi v&i
f ^ k / ngdnh cao su Gia Lai trong thdi gian qua Nghien cdu tap trung vdo cdc vdn
I ^^M de ve nguon vdn ngdn hdng ddu td vdo ngdnh cao su, tdi sdn ddm bdo ntf vay,
^ L yf thu tuc vay vdn, ldi sudt cho vay ddi vdi ngdnh cao su vd ndng lde cdn bg Td
do diia ra cdc gidi phdp nhdm phdt trien ngdnh cao su tinh Gia Lai Trong do gidi phdp
ve nguon vdn ddu td cho cao su bao gom: md rgng huy dgng vdn td khu vdc ddn cd; huy dgng nguon vdn re td trung dotng, nguon vdn uy thdc cua cdc to chdc trong vd ngodi nddc; huy dgng vdn td ben ngodi; thdnh lap quy tin dung ddu td phdt trien rieng cho sdn xudt cao su; dong thdi ket hcfp eo hieu qud ecu: nguon vdn ddu td Gidi phdp ve chinh sdch bao ddm tien vay vd ket hcfp linh hoat cdc Men phdp ddm bdo tien vay Cdc gidi phdp ve cdi tien thu tue vay vdn, ndng cao ndng lde cdn bg vd ldi sudt cho vay
Dat van de
Qua gan 20 nam hinh t h a n h va phat trien
(ke ttt khi tach tinh Gia Lai va Kon Tum
nam 1991) nen kinh te Gia Lai da cd nhieu
thay ddi va phat trien dn dinh vtti tdc dp
tang trttdng kinh te' tren 12% mdi nam Tuy
nhien, nen kinh te' chu yeu van la nong
nghiep vtti cac loai cay trdng thu Ittt nhtt
ca phe, cao su, tieu, mia, sttn, dieu Trong
dd, cao su la mpt loai tay mang lai gia tri
kinh te tao, da giai quyet dttdt cdng an viet
lam cho hang ngan lao ddng va ddng vai tro
quan trpng trong viec phat trien, dn dinh
kinh te dia phttdng ndi rieng; ddng thtti gdp
phan dam bao chinh tri xa hdi va an ninh
qud'c phong cho khu vttc vanh dai bien gitti
ndi ehung
Tuy nhien tiem nang cua nganh cao su tinh
Gia Lai chtta dttdc khai thac, phat huy mpt
each hieu qua, triet de Nhttng ban che dd
do nhieu nguyen nhan, ma mdt trong nhttng
nguyen nhan la chtta dttttc dau ttt vd'n diing
mttc Tdng ngudn vd'n dau ttt cho nganh cao
su thtti gian qua khoang 5.400 ty ddng Trong
dd, ngudn vdn ngan sach dau ttt cho nganh
cao su khoang 600 ty ddng (chie'm 10%/tdng
ngudn vd'n dau ttt cho nganh cao su) va vdn
ttt Ittc dau ttt cua doanh nghiep, hp gia dinh
|c6nanah ngan hang
So 62»Thang 05/2011
tho nganh tao su la 1.300 ty ddng, edn lai la vd'n vay ngan h a n g [2]
Trong bai viet nay, tac gia danh gia thttt trang vd'n tin dung ngan h a n g va de ra tat giai phap tin dung gdp phan phat trien nganh tao su tinh Gia Lai
Thtfc trang dau id tin dung ngan hang doi
vtti nganh cao su tinh Gia Lai
Nguon von cho cao su
Bang 1 cho tha'y dtt nd eho vay nganh tao su tren dia ban chiem ti trong tttdng ddi tren tdng dtt nd cua t a t ngan hang tren dia ban
va ty trpng dtt nd giam dan qua cac nam sau Nhtt vay, vi tri cua nganh cao su ludn la phan
B a n g 1: Cho v a y n g a n h c a o s u c u a cac n g a n h a n g tren
dia ban tinh Gia Lai tii n a m 2005 d e n 30/9/2010
Nam
Tone du n(^
Du n(/ nganh cao su
-Ngan han -Tmng, dai han
Ty tr^ng dir n^ nganh cao su (%)
2005
8.265.282
1.339.7 IS
285.867 1,053.848
16.21
2006
10,345,836
1.616.607
347,975
1,268,632
IS.63
2007
14,380 153
1.513.498
270,083 1,243,415
10.52
2008
15,552,165
1.270.551
254,724
1,015,827
S.I7
Don vj tinh
2009
18,903,479
I.2S9.0S7
336,293 952,794
6,82
tneu dong
3092010
20,942,757
1.308.722
331,332 977,390
6.25
Nguon: Bdo cdo cua Chi nhdnh Ngdn hdng Nhd nUdc tinh Gia Lai
Trang 2SINH VIEN & NGHIEN ClJfU KHOA HQC 1 1 1 1
quan trpng khdng chi ddi vdi n e n k i n h te cua
tinh Gia Lai m a cdn gitt vai trd r a t quan t r p n g
ddi vdi boat ddng n g a n h a n g t r e n dia b a n t i n h
Gia Lai
Dtt nd cho vay t r u n g h a n ddi vtti n g a n h cao su
giam do tac doanh n g h i e p vay vdn t r u n g dai
han dau ttt dtt a n t r d n g cao su da den giai doan
CO doanh thu t r a nd vay n g a n h a n g va doanh
sd vay mdi t h a p h d n doanh sd t r a nd vay n g a n
hang Vd'n vay n g a n h a n g giam dan mpt p h a n
do nganh tao su luon td lai cao n e n cac doanh
nghiep, hd gia d i n h tich luy dttdc ngudn vd'n
de tai dau ttt md r d n g s a n xua't; p h a n k h a c do
nhu tau vd'n de dau ttt md r d n g dien t i t h cao
su dai dien va cao su tieu dien ngay cang Ittn
nhttng vd'n vay tai cat n g a n h a n g t a n g t h a m ,
khong tttdng xttng vtti t d t dp p h a t t r i e n cua
nganh tao su
Ngoai ra, nhu cau ngudn von trung, dai de'
dau ttt cho n g a n h cao su r a t ldn, nhttng cac
ngan hang chi mtti dap ttng dttdc ngudn ngttn
ban Nhieu dtt a n t r d n g mtti, cham soc cao su
va mua sam may mdc t h i e t bi, xay dttng n h a
xttdng che bien mu cao su ddi hdi ngudn vd'n
dai ban, nhttng budc phai vay vdn n g a n b a n
de dau ttt, dSn den khach hang kh6ng du ngudn
thu de tra nd khoan vay ngan han, budc ngan
hang phai giam mttc cho vay va dieu nay da gay
khong it khd khan cho viec md rpng kinh doanh
tiia khath hang
lai Thtti gian hinh t h a n h gia tri vttttn cay cao su, dac biet t a t dtt an trdng mtti tao su td thtti gian xay dttng ctt ban len den bay n a m mdi dtta vao khai t h a t , quy m6 dtt an cao su dai dien cang khd tiep can vdn tin dung ngan hang
Thu tuc vay vdn
Mac du cac ngan hang da tich cttc cai each thu tuc cho vay nhttng van cdn phttc tap, thtti gian xet duyet cho vay keo dai gay phien ha, lam cho khach hang cd ttt tttttng ngai tiep can vtti viec vay vdn
Nang lde cdn bg
Van cdn tinh trang can bp quan he khach hang (can bp tin dung), can bd quan ly rtti ro (can bd
t h a m dinh) va xet duyet cho vay cdn yeu kem trong nghiep vu; tham dinh, xet duyet nhieu khi
m a n g tinh cam tinh, chu quan, thieu khoa hpc, thttc tien va dac biet thien ve tai san the chap hdn la tinh hieu qua cua dtt an dau ttt
Phttdng p h a p lam viec chua khoa hpc, k h a
n a n g t h a m dinh cac dtt an, phUdng an san xuat
k i n h doanh, n h a t la nhttng dtt an Ittn, dtt a n phttc hop nhieu linh vttc con yeu Dieu nay a n h httttng r a t Ittn den chat Ittdng tin dung va k h a
n a n g canh t r a n h ciia cac ngan hang Do vay trong boat dpng n g a n h a n g ben canh van de dao dttc nghe nghiep, con phai am hieu ve cac nghiep vu ngan hang
Hau het k h a t h h a n g vay vdn hien nay de phat
trien nganh cao su tren dia ban tinh Gia Lai la
vay cd dam bao bang tai san Hien tai ngan hang
xem tai san dam bao la mot trong nhttng dieu
kien tien quyet de cho vay; cho vay tin chap trttc
tiep ddi vdi hd gia dinh hoac thdng qua td vay
vdn, cac hiep hdi, doan the, td thttc t h i n h tri - xa
hpi ton rat ban t h e Do vay mot sd doanh nghiep
va hp gia dinh tdn gap phai van de dam bao
nd vay, khi tai san dam bao chii yeu tiia ngtttti
trdng cao su la tai san h i n h t h a n h trong tttttng
Ddi vtti n g a n h cao su, trttdc n a m 2004 cac doanh nghiep vay vdn dau ttt dtt an trdng, k i n h doanh cay eao su dttdc ttu dai ve lai suat vay thong qua Ngan h a n g Dau ttt va P h a t trien Viet Nam Theo dd cac doanh nghiep n h a nudc dttdc vay theo lai suat ttu dai, t h i dinh cua n h a nttttc
t h a p hdn lai suat thttdng mai tai thtti diem vay ttt 3-5%' P h a n chenh lech gitta lai suat cho vay ttu dai va lai suat thi trttttng, n h a nuttc se thttc h i e n cap bu cho ngan h a n g h a n g nam Ttt
n a m 2004, viec hd trd lai suat ddi vtti n g a n h
Congnghengan hang
Trang 3I l l SINH VIEN & NGHIEN cufu KHOA HQC
cao su chuyen s a n g Quy hd t r d p h a t t r i e n (nay
la N g a n h a n g P h a t t r i e n Viet N a m ) ; ddi tttttng
vay vd'n dttttc mtt r d n g r a cho t a t ca t a t t h a n h
p h a n k i n h te' Tuy n h i e n , viee eho vay t h i t a p
t r u n g vao k h a i h o a n g t r d n g mtti t a o su, k h d n g
cho vay c h a m sdc cao su t r o n g thtti gian k i e n
thie^t cd b a n Ddng thdi dieu k i e n cho vay va
t h u tuc vay vdn tai N g a n h a n g P h a t t r i e n h e t
sttc nhieu lehe phttt t a p n e n ed it dttn vi, ca
n h a n tiep can dttdc ngudn vd'n nay
Cac giai p h a p n h a m p h a t t r i e n n g a n h c a o
s u t i n h Gia Lai
Dinh hddng chinh sdch
D i n h httttng dau ttt t i n dung nhieu n g a n h a n g
chtta ro r a n g [4], cdn nhieu b a t cap, de dau
t u tin dung cd hieu qua, a n t o a n t h i p h a i xac
d i n h dttttc diing huttng dau ttt va khdi Ittdng
dau ttt cu t h e Vd'n n g a n h a n , vd'n t r u n g dai
h a n , ngudn v6'n vay cua n g a n h a n g , vdn ttt cd
t u a k h a t h h a n g va xu httttng p h a t t r i e n cua
n g a n h t a o su nhtt t h e nao, de xac d i n h suat
dau ttt, d i n h mttc cho vay va thtti h a n cho vay
hop ly, ttt dd mtti p h a t huy tdt vai trd eua tin
dung n g a n h a n g , gop p h a n thttt day p h a t t r i e n
s a n xuat n g a n h cao su tai dia phttdng
Nguon vdn eho cao su
- Mtt r d n g huy dpng vdn ttt khu vttc d a n ctt:
day la ngudn vdn on d i n h va lau dai, ne'u k h a i
thae, tiep t h i tdt t h i k h a n a n g ve ngudn v6'n
n a y con r a t Ittn T a m ly ngtttti d a n d n 6 n g t h o n
van thttdng tich luy t a i s a n dtttti d a n g v a n g va
USD, hp mua sttm v a n g va USD cat trtt tai n h a
dd lam tai san H i e n nay, do gia v a n g t a n g len
n h a n h t h d n g n e n viee huy dpng vdn cua d a n
ttt se gap nhieu kho k h a n , lam sao de d a n ctt
k h d n g dau ttt vao v a n g va USD la mdt v a n de
k h 6 n g ddn gian Ben canh viec n h a nttttc p h a i
cd chinh sach linh b o a t de dn dinh t h i trttttng
vang, ty gia ngoai te t h i cac n g a n h a n g thttdng
m a i can cd nhttng ehinh sach de thu hUt k h a c h
h a n g gtti tien
riM ngan hang
- Huy ddng ngudn vd'n r e ttt t r u n g ildng,
ngudn v6'n uy t h a c cua cac td chttc t r o n g va ngoai nttdt: k h u vttc T a y N g u y e n ndi ehung, Gia Lai ndi r i e n g dttttt D a n g , n h a nttttt quan
t a m d a t biet ve mpi m a t , t r o n g dd cd dau ttt de' p h a t t r i e n T r e n ctt stt d i n h httttng phat
t r i e n k i n h te' cua t i n h t r o n g quy hoaeh dau ttt,
p h a t t r i e n n g a n h cao su t a i dia phttttng, cac
n g a n h a n g de xua't ho t r d t a t ngudn vd'n ttt
t r u n g ttttng de' dau ttt vao t a t n g a n h dn dinh, lau dai t a i dia phttttng T r o n g dd, t a n t r a n h thu xin ho t r d t a t ngudn vd'n r e ttt t r u n g ttttng nhtt vd'n uy t h a t ttt t a t dtt a n nttttt ngoai nhtt vdn
t a i c h i n h n d n g t h o n t u a World B a n k , JBIC , v6'n n g a n sach va ed n g u d n gdc ttt n g a n s a t h
n h a nttttt, vd'n dau ttt t h o c a t cdng t r i n h trpng diem, vdn h6 t r d d o a n h n g h i e p vtta va nhd Ldi t h e cua t a t ngudn vdn dd vtta r e , vtta dn dinh, lai co stt t a p t r u n g m d t khdi Ittdng ldn
De thttt h i e n dttdt dieu n a y , cac n g a n h a n g thttdng m a i t r e n dia b a n t i n h can cd stt hd trd tich cttc ttt ehi n h a n h N g a n h a n g N h a nttdt
Trang 4SINH VIEN & NGHIEN CUfU KHOA HOC „ 1 1 1
tinh va cac t a p t h i n h quyen t i n h trong kien
nghi vdi trung ttdng, quan t a m hdn ntta ddi vtti
boat ddng n g a n h a n g a mdt t i n h cdn nhieu
khd k h a n nhtt t i n h Gia Lai Chi n h a n h N g a n
hang N h a nttttt t i n h Gia Lai p h a i la dau mdi
gitta t a t ngan h a n g thttttng mai t r e n dia ban
va Uy ban N h a n dan t i n h Gia Lai de xay dttng
ke hoaeh ngudn vd'n cho viet p h a t t r i e n n g a n h
cao su tai dia phttttng, t r e n td sd dd t r i n h dtt
an xin tac ngudn vd'n uy t h a c ttt trung ttdng
cua t a t td thttc nttdt ngoai Khi td dttdt ngudn
vdn ldn, dai h a n , dia phttdng se ehu ddng hdn
trong viec p h a t t r i e n n g a n h cao su mpt each
dn dinh va ben vttng
- Huy dpng vd'n ttt b e n ngoai: t h 6 n g qua cat
chttdng t r i n h xuc tien dau ttt va keu gpi dau ttt
ttt cac tinh t h a n h trong ca nUttc, dac biet la Ha
Noi va Tp Hd Chi Minh Tinh Gia Lai ap dung
nhieu chinh sach ttu dai de thu hut cac n h a
dau ttt ngoai t i n h den dau ttt vao cac dtt a n cua
tinh trong dd td t a t dtt a n n g a n h cao su Tuy
n h i e n de viec dau ttt thttc stt di vao chieu sau,
ve phia t a t cd quan ban n g a n h t u a t i n h t a n
day m a n h cai c a t h thtt t u t h a n h chinh de t a t
n h a dau ttt a n t a m dau ttt vdn va day n h a n h tien dp thttt h i e n dtt an Trong dieu kien ve ngudn vdn hi h a n t h e td t h e tim kiem ngudn vdn ddng tai trd dtt a n hay eho vay hdp v6h ttt cat n g a n h a n g khac ngoai dia ban t i n h cd ngudn vdn huy dpng t6t nhttng thieu dtt a n dau ttt, n h a t la cat dtt a n dau ttt trung, dai b a n vao
n g a n h cao su
- Ke't hdp CO hieu qua cac ngudn vdn dau ttt: de thuc day p h a t trien n g a n h cao su cua t i n h Gia Lai mdt each ben vufng ddi hdi stt k e t hdp cd hieu qua cua nhieu ngudn von khac nhau M6i ngudn vdn dong mpt vai tro n h a t dinh trong qua t r i n h dau ttt p h a t trien n g a n h cao su Ddi vtti ngudn vdn ODA t a p trung vao dau ttt p h a t trien h a t a n g giao th6ng, thuy ldi va he thdng dien de cung vtti v6n ngan sach t h a m gia vao cong tac den bii h6 trd ngtttti dan, cap giay chttng n h a n quyen stt dung dat, quy hoaeh trong vung dtt an t u n g n h u td sd h a t a n g vung dtt an p h a t trien cay cao su Von tin dung Uu dai ciia n h a nttdc dau ttt vao cac h a n g mue nhtt
khai hoang, trdng mtti va cham soc vUdn cay
cao su trong thtti gian kien thiet cd ban va dau ttt may moc thiet bi che bien Ddi vtti von vay dau ttt chu yeu vao vat ttt va n h a n cong de
cham sdc wiidn cay cao su va vdn Ittu dpng de
k h a i t h a c mu cao su va dau tU mpt p h a n m a y mdc t h i e t bi che bien Ddi vtti von ttt cd cua cac ddn vi t h a m gia ttt dau vao suot qua t r i n h
s a n xuat Viec ke't hdp tdt cac ngudn v6'n can
cd stt t h a m gia ttt nhieu phia n h a nUttc, td chttc tin dung, ddn vi s a n xuat k i n h doanh cay cao su
- T h a n h lap quy tin dung dau ttt p h a t t r i e n rieng cho san xuat cao su: day la n g a n h co hieu qua ca ve kinh te^, xa hpi va moi trttttng;
do vay day m a n h md rdng dien tich cao su la can thiet Tuy nhien trdng cao su doi hdi thtti gian cung nhtt nhu cau vdn dau ttt kien t h i e t cd
b a n Ittn, trong khi dd n a n g Ittc tua ngUtti dan
Cong nghe ngan hang V
Trang 5I l l " SINH VIEN & NGHltN CUTU KHOA HQC
nhat la t a t ndng hd rat han che'; vi vay de eae
ndng hd cd the tham gia vao chttttng trinh tao
su tieu dien, nhat la t a t hd ddng bao dan tdt
thieu so, hp vung sau vung xa thi nha nttttc
tan thanh lap quy tin dung dau ttt phat trie'n
tao su, tao td hdi va dieu kien tho ngtttti dan ed
the trdng dttttc cao su tieu dien dtttti dang ndng
hd hoac trang trai
Quy tin dung dau ttt phat trie'n eao su nam
trong ngan hang phat trien, nhttng can cd
chi nhanh kiem soat rieng de tao dieu kien
nhanh chdng va de kiem soat trong qua trinh
cho vay
Tdi sdn hdo ddm
- Chinh saeh bao dam tien vay: de' mtt rdng
tin dung giup cho nganh cao su cua tinh phat
trien, hdn ntta trien vpng phat trie'n cua
nganh cao su Gia Lai eung da dttdc lanh dao
tinh danh gia tdng hdp qua nhieu nam va quy
hoaeh thanh chien Ittttc phat trien kinh te^ cua
tinh theo httttng cd hieu qua kinh te' cao, thi
cat ngan hang nen tham khao chtt kh6ng nen
coi trpng tai san dam bao la mdt trong nhttng
dieu kien tien quyet de xem xet cho vay, ma
nen xem day chi la mpt trong nhttng dieu kien
bd trd de tho vay Cat ngan hang cd the xem
xet cho vay ttt nhttng tai san hinh thanh trong
tttdng lai, cho vay tin chap theo td vay vdn
boat nhttng hp gia dinh trdng cao su cd hdp
ddng tieu thu san pham; ddi vtti cat doanh
nghiep uy tin trong vttng quy hoath cua dtt an,
td the cho vay kh6ng can tai san dam bao vtti
mpt dinh mttc tho vay nhat dinh tren mpt ha
eao su va dttdc dam bao bttng ngudn tra nd ttt
viec thu hoaeh cao su
- Ke't http linh hoat cac bien phap dam bao
tien vay: ben canh tai san hien cd cua khach
hang can danh gia tai san hinh thanh trong
tttttng lai la nha xudng va vttttn cay cao su vi
boat ddng trong nganh cao su tai san chu yeu
va quan trpng nhat la cay cao su
Congnghengan hang
So 62'Thang 05/2011
Thu tuc vay vdn
Ddi vtti cat doanh nghiep, hd gia dinh, trang trai san xua't nam trong vung quy hoaeh phat trie'n cay cao su eua tinh, ngan hang cd the xay dttng quy trinh thtt tuc vay vdn dttn gian httn cac ddi tttttng khac Chang han, khi khath hang ed giay chttng nhan trdng va cham sdt tao su theo dttng tieu thuan tua vung dtt an, thi ngan hang td the ap dung mau hd stt rieng eho vay eua vung dtt an dd [5], ma khdng nhat thie't yeu eau khach hang phai lap phttttng an vay vd'n, chttng minh ngudn thu nhap va td the thtti gian giai quyet cho vay la trong ngay hoac tdi da la ba ngay
Ndng lde cdn hg
Nang cao trinh dp, ky nang, dao dttc nghe nghiep eho dpi ngu can bd tin dung va ed chinh sach dai ngo d6'i vtti can bd tin dung
- Cae ngan hang thttdng mai tren dia ban can thtt trpng trong viet dao tao nghiep vu cho can
bd, dac biet la can bd tin dung; lam sao can
bd tin dung phai cd trinh dp phan tich, tham dinh dttdc cac dtt an dau ttt phttc tap
- Phai hieu va dtt bao dttdt tac bien ddng tua thi trttttng, de danh gia phttttng an dau ttt tua
Trang 6SINH V l l N & NGHIEN ClJfU KHOA HQC » 1 1 1
khath h a n g la h d p ly hay khdng, ttt dd t h a m
mttu tho l a n h dao quyet d i n h t h o vay hay
khdng cho vay, tao dieu kien tdt cho k h a c h
hang n a m bttt kip thdi cd hdi dau ttt va giup
ngan h a n g b a n che dttdc rui ro
- Phai n a n g cao dao dttc n g h e n g h i e p cua tttng
can bd ngan h a n g , dac biet la nhttng can bd
thttdng tiep xuc k h a c h h a n g , t h d n g qua chinh
sach dai ngd t h d a d a n g t r e n cd stt t r a c h n h i e m
va hieu qua dat dttdc
Lai sudt
Uu dai ve lai suat cho nhttng k h a c h h a n g vay
vdn de dau ttt, cham sdc cao su thupc ddi tttdng
nam trong vung quy hoaeh p h a t trie'n n g a n h
cao su cua tinh
Hien nay, cac n g a n h a n g thttdng m a i t r e n dia
ban tinh Gia Lai chtta dtta r a chinh sach cho
vay rieng d6i vtti n g a n h cao su Vi vay cac
doanh nghiep, hd gia dinh va n g a n h cao su
tren dia ban t i n h Gia Lai r a t khd tiep can
dttdt ngudn vdn ttu dai ttt chinh sach cua n g a n
hang de p h a t trie'n s a n xuat k i n h doanh
Thiet nghi, n g a n h n g a n h a n g t r e n dia ban
tinh Gia Lai can b a m s a t chu trttdng, chinh
sach quy h o a t h n g a n h t a o su cua l a n h dao
tinh de t h a m dinh, d a n h gia t i n h k h a thi cua
cae dtt an, cua vung quy h o a t h t a o su t o a n
t i n h , d a n h gia t i n h hieu qua ddi vtti dau ttt
s a n xuat t r e n titag h a eao su m a xay dttng mdt dinh mttt t h o vay va thdi b a n t h o vay hdp ly
T r e n td stt dd, lap ke' hoaeh ngudn vdn cho vay ttu dai d a n h r i e n g cho cay cao su cua t i n h Gia Lai
Day thude ve chinh sach ttu tien p h a t t r i e n
n g a n h cao su cua tttng n g a n h a n g , bu lai n g a n
h a n g se t a n g thu ttt ngudn tien gtti va cac dich
vu n g a n h a n g ttt k h a c h h a n g vay vd'n, nhtt
r a n g budc dieu kien vay vdn trong hdp ddng tin dung la khach h a n g phai chuyen 100% doanh thu thu ttt dtt a n ve tai n g a n h a n g va stt dung t a t ca t a c d i t h vu tai n g a n hang
K e t lu|Ln
N g a n h cao su t r e n dia b a n t i n h Gia Lai da va dang chie^m mdt vi tri h e t sttc quan trpng, cay cao su da dttdc Chinh phu quy hoaeh t h a n h cay trdng chu Ittc trong chien Ittdc p h a t t r i e n
k i n h te cua dia phttdng Viec day m a n h p h a t trien n g a n h cao su theo httttng cong nghiep hda, h i e n dai hda la mpt bttdc di t a t yeu cua nUttc ta noi ehung va t i n h Gia Lai ndi rieng Ttt nhttng nghien cttu cua ban t h a n , tac gia mong dttttc gop mot p h a n nhd ve phttdng p h a p luan va thttt tien vao viec p h a t trien n g a n h cao su t i n h Gia Lai, t u n g nhtt md rdng va n a n g tao chat Ittdng tin dung vao n g a n h n a y "
Tai lieu tham khao
1 Bdo cdo tong hgp cua chi nhdnh Ngdn hdng Nhd niidc tinh Gia Lai (tunam 2005 den 30/9/2010)
2 Bdo cdo quy hogch phdt triin cdy cao su tren dia bdn tinh Gia Lai den ndm 2015, dinh hudng den ndm 2020 cua Sd Nong ng-hiep vd Phdt trien Ndng thdn tinh Gia Lai
3 Chinh phu (2009), Quyet dinh sd 750/QD-TTg, ngdy 3/6/2009
ve phe duyet quy hogch phdt triin cao su din ndm 2015 ud tdm nhin den ndm 2020
4 Binh hudng chiin luge kinh doanh din ndm 2015 cua cdc ngdn hdng BIDV, Agribank, VCB
5 Uy ban Nhdn ddn tinh Gia Lai (2009), Quyet dinh so 871 /QD-UBNB, ngdy 28 /12/2009 vi quy hogch phdt triin cdy cao su trin dia bdn tinh Gia Lai din ndm 2015, dinh hiidng den ndm 2020
Congnghengan hang
So 62'Thang 05/2011