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

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

Ngan himg vOlsu',nghiep phat tri~n , 1101'1~~-~"" II ~~,,~ : ,,'1\'11

Ong Nguy6nrM Khanh-PM ChUttch thwc1ng trvc UBNDtlnh Namf)tnh trao B~ngkhan caa

UBNDtlnhchonhl1ngr6 yayv6nc6nhidud6ngg6ptronghOfJt d~ngtTndllng

Anh: Monh Ha

MQttrongnhLIngnguyennhanca ruirovatiemanruiro.

bande co ket qua tren la NHNo&PTNT 1 Ph-t t ,,J'

N 1"'\' h'd-

h- b"

h' ,a rlen I rlJ<1ng, I

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NHN &PTNT

TtWcIIi NcANIIANC- 864 NAM2004

TS Ph;.am )ling Cil *

rui ro ho~c la phan tan rui ro, NHNo&PTNTNam Dinh da xay dlfng

ChienILIqckhachhang,trongcJ6tang

wang vaphattrienth[tr[fang,thl phBn

la c6 tinh chEitquyetcJ[nhnMt.

chiathi trLIang?Ly Ievandenaykhang trinh bay a trong khuonkho bai viet,

tac dautlf tin d~ngnganhang.D6 la:

- Phan chia thi trLIangde c6 cai nhintLrnglinhvlfc kinhte r6 han,c6 slf phan bi$t muc de)phattrien,quy mo, thuan lai, kh6 khan Til d6, c6 bien pha'pc0 the, nhLI:Phancongcan b'e),

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

nhode nhinthauhan,r6 hanva khid6 dedangc6 mQtquyetsachdautLI,lam chocanbQdedangtiepc~n,thlfc hi$n tac nghi$pnhanh,antoan,hi$uquava khongngilngtangtrLIang

T6ml<;Ii:Chu dQngvi$c kiemsoat

va quan Iy, chiem ITnhthi trLIang,de

bien kh6 thanh de, tLrphLrct<;lPbien thanhcJangi{m,ai cOngc6 the tiepc~n

va nam vCtngkhach hang,thi trLIang dautLIse an toan,hi$Uqua

moi can bQ ph~ trach d!a ban phai

c~mdanCllsanxuat,kinhdoanh.Tren

ca sa d6 ma c6 bi$n phapd?u tLItin d~ngthich hqp

Day la mQtqua trinh cang phu khongchi 1 thang,1 quy,ma phailam

, Giam doc NHNo&PTNTtinh Nom Dinh

29

H, -viR~n~" "-''''~'8triin

nhieunam,thuongxuyemc6 bo sung,

dieu chinh d~ c6 mQtth! truong Iy

tuang(antoan,hi$uqua)

- Dong thai vai vi$c phanchia thi

truong d~ phat tri~n va ma rQngthi

phanthi phaiphan chia va phan lo~i

lo~i khachhang theo tieu chi A,B,C,

ma phanlo~itheod~ctha kinhte cua

tltng nh6m,khu vl!c khach hang; di

sauvaaphanlo~ikhachhangtheokha

nangphattri~nsan xuat, kinhdoanh;

khach hang c6 kha nang tai chinh;

khachhangc6 trinhdQcongngh$cao,

khachhangsanxuathanghoa,khach

hangsanxuattl! cap Trongtltng lo~i

nh6mkhachhangd6,ta xacdinhduqc

khanangdau tu tin dl,mg,dQan toan,

khanangphattri~n,tangtruang

TCthai van de tren ta c6 th~ ma

rQngtin dt:mgan toan, hi$Uqua, ngay

cangphattri~ntangtruOng

hangIan aa vay va ca cht/avayNgan

hang:Khachhangla cacdoanhnghi~p

tieu thU cong nghi~p; v~n tai; nuoi

trang,cM bien thuy,Mi san; tht/ang

mf)i-dtch Vl,lva cac 10f)ihinh sim xuat,

kinh doanh khac To chuc Mp c~n

theo tltng nh6m khach hang bang

nhieu cach, nhu Mp c~n den tltng

khach hang, hQptheo nh6m khach

hang, nham: Thu th~p cac thong tina

tltng lo~i thi truong va khach hang,

dongthai tuyentruyenket quadau tu

von cua NHNo&PTNT;Cong bo ke

ho~chdau tu von cua ngan hangva

cac thu tl,JCdon gian, thu~n lqi; GiCli

thi$u cac hinhthuc cho vay: Chovay

theo h~n muc; cho vay tltng Ian theo

dl! an, phuong an san xuat, kinh

doanh;cho vay ngan,trung,dai h~n;

cho vay bo sung Giai thi$uti$n ich

huy dQngvon, nham lam cho khach

hang va nhCtngai chua hi~u biet

cam, de dangden quan h$ vai Ngan

hang

sanxuat,kinhdoanhnhO(cahQaa vay

va cht/avay):

vay, nhu : Chari nuoi,trong trQt,che

bien;trangtr~i, nganhnghe ;HQpto

vay von, c6 th~ hQptheo diem; HQp

giao ban to truang theo nQidung da duqccaiMn; HQpcacchudl! an TCt vi$chQpban,tnamlu~ncongkhai,dan chu, giai dap nhCtngban khoanthik

hang va Ngan.hang; t~o 9uqc moi

quanh$ binhdang,thangthanva long tin trong quanh$ vay von M~t khac, thongquavi$chQpbanvaikhachhang dat~o moi,quanh$gi([aNHNo&PTNT vai cat;capu'y D~ng;'chinh quyen, doanthe diaphuang themgan b6 va tac dQngtich cl!c d€hquatrinhdautu

phuong.Do d6 ho~t dQngtin dl,Jng

duqc ma rQng,khoi luqngvon dau tu

cho cac thanhphankinhte ngaymQt tang,t~o duqc longtin doi vai Dang, chinhquyenva nhandantrongtinh

Tinh den 31/12/2003,nguon von chiemtren 56% tong nguonvon huy dQrg~uacacto chuctin.dl,Jng;Du nq '

chienftreo60%du nqchovaycuacac

dl!ng mangluai Mangli1ajbo~!d9ng cua NHNo&PTNTNamDjnh rigay

cangduqc ma rQngchiem.uu thenoi

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

III; 6 phonggiao djch va d~c bi$t cO 3.861to vay von la canhtay VlIondai cua NHNo&PTNTtai tltng thon, x6m ho~t dQngsoi noi va hi$u qua, vCli 196.399hQthanhvientrongcacto vay von, chiemty 1$gan 50%tong so hQ nongdantoantinh.Trongd6, tren dia ban thanh pho Nam Dinh c6 Van phong Ngan hang tinh trl!c Mp kinh

cac phuong,2 nganhangcap II thanh pho va khucongnghi$pHoaXa ho~t dQng

Neu nhu truac kia NHNo&PTNT NamDinhcM trQngdi lentCtthi truang nong nghi$p,nong thon, thi tlt nam

2001, NHNo&PTNTcap II thanh pho NamDinhduqcthanhI~p,sau2 nam

da nhanhch6ng chiem linh duqc thi truong.Den 31/12/2003, nguonvon huy dQngtren dia ban thanhpho d~t

325 tY dong,tang gap 7,5 Ian; du nq d~t 235 ty dong,tanggap 10,2Ian so vai dau nam 2001 khi mai thanh I~p;

thu hut tang them hang tram khach hanggiaodichva vayvontrendia ban

2 Nang coo chat IUc;Jngtinl

dyng va h9n chi rui ro

De c6 thi truong tin dl,mgan toan'l

nhieuyeuto, nhungtrongd6phaix2C1

dinhrangyeuto chuquanla cuaNgaol hang,trongd6 can bQtin dl,Jnglachul yeu.Dod6, de nangcaochatluqngtin dl,Jngt~i NHNo&PTNT Nam Dinhq chungtoiap dl,JngmQtso bi$nphapcO! bansau:

Th(f nhlt: PhOngngirava.ngan

ch{jntir xa

Bi$n phapnay chu yeu laJrenco

sa mang luai Ngan hang,vai cacto

vayvon, cacco sa Dang,chinhquyen

thl!c hi$ntuyentruyenpho bienchfnh sach, nguyentac, the 1$che dQ,d~c

vay va Ngan hang.De cho mQitang lapnhandanngaycanghieura hantin dl,lngnganhang,de dangMp ~n voi Ngan hang.Cac cap uy Dang,chinh quyen,'doanthe chinhtrj, dayla triM

la ll!c;luqngkhongthe thieu,phoihqp

cang"Ngaohangtuyen.truy~n,v~n

> TLrd6,n;? bieu congtacNganhangtro

hQi Hay n6i cachkhacla phaidandan

" xa hQihoatin dl,Jngnganhang"

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

nhandancacxa dungra tl! tochuc tong ket danh gia ho~tdQngcho vay voncuaNganhang.Vi$cnaydac6tac

dQngrat Ian tai ma rQngtin dl,Jngva

Th(f hai:Xii Iy tnrctiepbangcac

bi~nphap:

-C6 quy dinh ch~t che vClican bQ

tin dl,Jngtrong Mp c~n phanchia thi

- To ch(rcquan Iy dieu hanhtn!c

Mp tCtngth!truongva khachhang,

- To chUchQct~pchedQ,thongtin

ho~t dQng tin dl,Jngacac dja ban khac

nhauve tot,xau,nhatla ruiroda,dang

va se xay ra hangthangdoi vClicanbQ tin dl,Jng,hangquydoivai khachhang

bQvi ph~m

- To chuc cac doan can bQtang

wong thuong xuyenacac ngan hang

co sa, kiemtra,phathi$nvCtagiupgiai

30

T.6P em NcANnhNG-&64 NhM 2004

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

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

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c~atIl1qng,tot, chung t~1gQI I~oeChlen"'qu~Y'h~~,M~tkhac,NH~o&P.TN.T tinh ,,; KI:n t:1cac kl~;n~~ap,r:p9~hn~am

d!3,h1~ -5Ian:trong6 t~ang, klemtra, hangquy,.toch(rcdoaDki~rntr,~,F,ki~m"cu~g c?~~~a~gcapch~t)~qD~Y~~~O~:

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,

d6 la, nguonvonngansach

v~ nguonvondantL!dautLf

coh9n,nenvon cho phattri~n nang

to chCrctin d~ng (TCTD) cho vay

Trangxu hLfangc9nh tranh va phat

trianh09tdQngnganhangngaycang

vachocongnghi$phoa-hi$n d9i hoa

TCTDh09tdQnga nongthan,ma con

co51!thamgia dongdaocuacacngan

hangthLfangm9i (NHTM)khac Tuy

nhienphai kh~ngdinh chu ll,Ictrang

van'ded6van la h$thongNganhang

N6ngnghi$pva phattri~n Nongthan

Vi$tNam,Trangihai gian qua Ngan

hangNha nLfaCthL!chi$n dieu hanh

chfnhsachlai suattheoquanh$cung

cauvontren thi trLfangva cacyeu to

kinhte vi mo, Chfnh sach lai suat

T~ CIIiNCAAIIANc s64 NAM2004

ThS Tr~n Bid qtt6e Tu~ *

dLfangt90 tam 19tot doivai gLritiend6

la dQnglL!ctac dQngIanden vi$c huy dQngvon cuah$thongNHTMva Quy tin dQngnhandan,Dongthaithu nh~p quoc dan trong thai gian qua tang nhanh,th~hi$nGDPtangtrLfangcao,

TY 1$tiet ki$m so vai GDPcOngtang khatronggiaid09n1995den2003cho nentac dQngden vi$cgLritien vao h$

thongnganhanghangnamtangcave

so tLfangdoi va so tUY$tdoi,g6p phan dang k~ gia tang nhanh nguon von trang nLfachuy dQngdLfqcd~ dau tLf cho m~c tieu phat tri~n kinhIe nong

Ket qua thL!Chi$n cho vay nong

nghi$p- nang thon theo Chi thi so 202/CTngay28/6/1991va Nghi dinh

so 14/CPngay2/3/1993:tfnhden cuoi nam 1998cac TCTDda cho vay 3,3 tri$u hQnongdan,tang 6 Ian v~ tong

' dLfnq lenden 17.000ty dong,tang69 Ian so vai nam 1991,a cac giai d09n

tieptheothl,Ichi$ncac Nghiquyetcua Dang,Quyetdinhcua Chfnhphu,dau tLfvoncuacacTCTDchonongnghi$p

- nang thon tiep t~c tang nhanh, C6

th~ n6i, trong thai gian qua nganh Ngan hangda thanh cong trong cho vay trL!ctiep den hQsan xuat la dQng lL!cquantrQngphattri~nkinhte xa hQi

va thl,Ichi$ncongnghi$phoa-hi$n

- So hQva dLfnq von vay cuacac

hQsan xuat tranggiai d09n naytang lien t~c,da g6p phan rat quan trQng trangvi$cthucd~ysanxuatnang,lam, ngLf, diem nghi$p phat tri~n, tang nhanhsan xuat ILfangthl,Ic,dam bao dLfqcILfangthl,Iccho lieu dungtrang nLfacva danhmQtphanchoxuatkh~u,

Phu Yen

31