tai liệu chuyên đề tín dựng ngân hàng

Chuyn tt nghip
Khoa: Ti chnh- Ngn hng
Chng I
Nhng vn l lun c bn v hot ng Tn dng
trong nn kinh t th trng
1. Nhng vn c bn v hot ng tn dng
1.1. S hnh thnh v pht trin ca tn dng
- Tn dng xut hin t khi x hi c s phn cng lao
ng v pht trin ch t hu v t liu sn xut. Lc lng
sn xut pht trin to iu kin cho s phn cng lao ng
pht trin. X hi hnh thnh nn s phn ho giu ngho ca
ci tin t tp trung cho mt s ngi, trong khi mt s ngi
khc c thu nhp thp hoc khng p ng nhu cu cn
thit. Khi tn dng xut hin chnh l cho vay nng li.
Quan h cho vay nng li gn lin vi qu trnh sn xut
mang tnh cht t tc, t cp, sn phm thng d khng nhiu.
Sn xut cng pht trin, quan h tn dng nng li
mt dn tc dng, x hi i hi cn phi c nhng loi hnh
tn dng khc thch hp vi qu trnh sn xut v pht trin
trong nn kinh t th trng, qu trnh tun hon vn l chu
chuyn vn vn ng qua cc giai on c biu hin di
nhiu hnh thi khc nhau. Trong ton b nn kinh t quc
dn ti bt c thi im no th s vn ng ca vn vn
thng qua hai nhm quan h:
- Nhm c vn tm thi
- Nhm c vn di di cha s dng n nhng mong mun
vn pht sinh li.
Khi nhm c nhu cu v vn m mang hot ng sn
xut kinh doanh ca mnh s lin h vi nhm c vn mn
SVTT: Dng Th Hng

TC 38 B
Lp
Chuyn tt nghip
thng qua Ngn hng. V nh vy tn dng l cu ni gia ngi

thiu vn v ngi tha vn.
1.2.Tn dng ngn hng
1.2.1 Khi nim
Kh c th a ra mt nh ngha r rng v tn dng.
Tu theo mc ch nghin cu ca chng ta m tn dng c
xem xt nh mt chc nng thanh ton ca ngn hng th tn
dng c hiu l:
Tn dng ngn hng l mt quan h vay mn bng tin t,
hng ho v dch v theo nguyn tc hon tr gia mt bn l
ngn hng v mt bn l cc h kinh t gia nh, h kinh
doanh. N l mt nghip v kinh danh ca ngn hng. Qu
trnh hnh thnh quan h tn dng chnh l qu trnh hon
thnh cc quan h vay mn ln nhau trong x hi. l qu
trnh chuyn dch tm thi quyn s dng vn, quyn bnh
ng c hai bn cng c li. Bn cnh vi nhng hot ng
tn dng ngn hng ph hp linh hot vi tnh trng kinh t ca
t nc tc ng trc tip v rt quan trng i vi nn kinh
t, y li nn cho vay nng li.
Cc ngn hng c s tr gip v vn ca chnh ph m
ngn hng a ra cc mc li sut khc nhau cung cp cc hnh
thc thanh ton nhanh chng thun tin. Chc nng quan trng
nht l ngn hng lun tm kim c hi cho vay v trong
mt s trng hp cho vay c chnh ph bo lnh. Trong nn
kinh t th trng i b phn qu cho vay tp trung qua ngn
hng, v t ngn hng tm ra cch p ng nhu cu vn
b xung cho cc doanh nghip v cc t chc kinh doanh tp
th. Tn dng ngn hng khng ch p ng nhu cu vn lu
ng ngn hn cho cc doanh nghip v c nhn h gia
SVTT: Dng Th Hng
TC 38 B
Lp
Chuyn tt nghip
nh, m cn u t i mi k thut, gii quyt vic

lmNgoi ra tn dng ngn hng cn p ng mt phn cho
nhu cu tiu dng ca c nhn. Vy tn dng ngn hng l mt
hnh thc tn dng ch yu trong nn kinh t th trng.
1.2.2. Qu trnh hot ng ca tn dng
Hot ng kinh doanh ca ngn hng trong na th k
qua c rt nhiu thay i. Cng vi s pht trin nh v bo
ca khoa hc v cng ngh ngn hng c nhng bc pht
trin mi phc tp, cng ngh hin i. Ngn hng tip cn
cc khch hng ca mnh vi mi giao dch nh nht v cung
cp c nhiu loi sn phm v dch v ti chnh hn so vi trc. Tuy nhin, s m rng hot ng lun lun c nhng ri ro.
V vy cn phi c cc bin php hn ch v kim sot. Mt
trong nhng phng php l phi thc hin quy trnh tn
dng cht ch hng dn cc nhn vin tn dng v cc b
phn c lin quan thc hin vic cho vay t hiu qu cao
nht. Nh vy quy trnh l cc bc thc hin t c nhnh
mc tiu hoch nh.
Quy trnh tn dng l tng hp cc nguyn tc, qui nh
ca ngn hng trong vic cp tn dng. Trong xy dng
cc bc i c th theo mt trnh t nht nh k t khi chun
b h s ngh cp tn dng cho n khi chm dt quan
h tn dng. l qu trnh gm nhiu giai on lin hon,
theo mt trt t nht nh ng thi c mi quan h cht ch
v gn b vi nhau.
- Tu theo tng gc nghin cu m quy trnh tn dng
c th chia thnh nhiu giai on khc nhau. Nu ly vic cp
tn dng lm cn c th tn dng c chia thnh 3 giai on:
+Giai on 1: Trc khi cp tn dng.
SVTT: Dng Th Hng
TC 38 B
Lp
Chuyn tt nghip
+Giai on 2: Trong khi cp tn dng.

+Giai on 3: Sau khi cp tn dng.
Bn cnh vic cp tn dng c coi l mt hot ng
kinh doanh c bit quan trng ca ngn hng v xem y
l mt th thng nht ca ngn hng.
V gc khc quy trnh tn dng cn c chia thnh cc
bc
+ Bc 1: Lp h s xin cp tn dng.
+ Bc 2: Thm nh ( phn tch ) tn dng.
+ Bc 3: Ra quyt nh tn dng.
+ Bc 4: Gii ngn.
+ Bc 5: Gim st.
+ Bc 6: Thu n v thanh l hp ng tn dng.
Cch phn loi nh trn to iu kin cho vic xy dng r
rng cc thao tc nghip v mi giai on v phn tch trch
nhim cho cc nhn vin thc hin theo tng bc ca quy
trnh tn dng qua cc bc c tc dng h tr ln nhau. Kt
qu ca bc ny l iu kin, c s ca bc tip theo Giai
on th nht to ngun thng tin khi u cho giao dch ca
khch hng vi ngn hng hnh thnh c s php l ban u
cho quan h tn dng sau ny. Bc th hai c bit quan
trng bi v mt khch hng trn khon tn dng nh
hnh v nh tnh c tho ng khng ch yu giai on
ny. C th thy giai on quyt nh tn dng c mt v tr
quan trng trong quy trnh tn dng. Ra quyt nh chnh
xc gip cho ngn hng trnh c nhng ri ro ngoi mun.
Bc 4 ch c thc hin khi cc thng tin thu thp c ng s
tht,khi ngn hng cung cp tn dng cho khch hng.
SVTT: Dng Th Hng

TC 38 B
Lp
Chuyn tt nghip
y l bc quan trng th hin hng lot cc nghip v v tr

khc nhau ca ngn hng.
1.2.3 ngha ca vic thit lp quy trnh tn dng ngn
hng
Quy trnh tn dng l c s cho vic xy dng mt m
hnh ti chnh thch hp ti ngn hng. Ngy nay cc ngn
hng v cc nh ch ti chnh u thit lp cc quy trnh
tn dng. V nguyn tc cc quy trnh tn dng ca ngn
hng u c nhng ni dung c bn tng t nhau. Tuy nhin
ni dung chi tit th lai c nhiu khc nhau. iu ny ph
thuc vo quy m ca tng ngn hng, cu trc cho vay, nng
lc i ng nhn s, mc tn dng, mc ng dng
cng ngh thng tin. Trong nhim v ca cc phng ban,
b phn chc nng c xy dng r rng cc cng vic lin
quan n hot ng cho vay. T lm c s cho vic phn
cng trch nhim tng v tr, hn na vi mc tiu ny cng
tc qun tr nhn s ti ngn hng s c iu chnh kp
thi v c hiu qu nht. Da vo quy trnh tn dng ngn
hng s thit lp cc th tc hnh chnh sao cho ph hp vi quy
m, t chc v nhng quy nh ca php lut m bo mc
tiu kinh doanh. Bn cnh c th ni quy trnh tn dng l
quy phm nghip v bt buc thc hin trong ni b ngn
hng v c in thnh vn bn. Mt khc quy trnh tn dng
cn l c s kim sot tin trnh cp tn dng v iu
chnh chnh sch tn dng cho ph hp vi thc t. T ngn
hng pht hin nhng quy nh khng ph hp vi chnh sch
tn dng. T nhng yu t c th ngn hng s thay i
gim st qu trnh s dng vn ca khch hng cng nh hot
ng tn dng ni chung.
SVTT: Dng Th Hng
TC 38 B
Lp
Chuyn tt nghip
1.2.4. Vai tr v chc nng ca tn dng ngn hng

-Tn dng ngn hng l cng c n by thc y mnh
m s tng trng nn kinh t th trng. Tuy l huy ng cc
ngun vn nhn ri cha s dng tt c cc thnh phn kinh t
gip cho doanh nghip v cc c nhn vay vn m rng sn
xut kinh doanh, nng cao hiu qu s dng vn. Tn dng
ngn hng l cng c gii quyt mu thun gia ngi
thiu vn v ngi tha vn. N y nhanh tc chu chuyn
vn, gp phn thc y nn kinh t pht trin trong qu trnh
hot ng ngn hng thu c li tc cho vay duy tr
v pht trin hot ng ca mnh.
-Trong iu kin nc ta hin nay tn dng ngn hng l
knh huy ng vn ch yu ca nn kinh t. Mc d th trng
chng khon trong my nn gn y v ang rt pht
trin cc doanh nghip, c nhn u t vo th trng ny cng
nhiu nn thu ht c kh nhiu vn, li nhun thu c l kh
cao. Tuy nhin cng khng phi khng c ri ro, bi v mi ngi
cn cha c nhiu kinh nghim trong lnh vc u t vo th trng chng khon.
- Tn dng ngn hng gp phn thc y qu trnh m
rng mi quan h giao lu kinh t quc t, trong iu kin nc
ta hin nay vic pht trin kinh t lun phi gn lin vi s
pht trin ca nn kinh t th gii. Tn dng ngn hng gp
phn tch cc vo vic hnh thnh v pht trin v mt vn
ca cng ty c phn, thng qua quan h tn dng ngn hng
gii quyt tnh trng tha vn ca cc cng ty c phn. Tn
dng ngn hng khng ch quan trng i vi ngnh ngn
hng m cn quan trng i vi ton x hi.
SVTT: Dng Th Hng

TC 38 B
Lp
Chuyn tt nghip
- Chnh sch tn dng l cc nguyn tc c bn chi phi s

m rng tn dng. Thc t cc khon vay ca khch hng
chnh l ti sn ln nht ca cc ngn hng. V vy s lnh
mnh ca cc danh mc cho vay quyt nh thu nhp ca
ngn hng cng nh hiu qu ca cht lng tn dng.
- Mc tiu c bn ca tn dng l cung cp ti a cc dch
v tn dng theo nguyn tc thn trng, an ton. iu quan
trng chnh l chnh sch tn dng phi ni ln c vai tr ca
mnh l cn phi lm g.
2. Cc hnh thc cho vay ca ngn hng
Trong quan h tn dng c hai hnh thc cho vay:
+ Cho vay bng tin mt.
+ Cho vay bng ng sn v Bt ng sn.
- Phn loi cho vay da v cc cn c sau:
2.1. Cn c vo mc ch
Da vo cn c ny thng chia ra lm:
- Cho vay Bt ng sn: l hnh thc cho vay lin quan
n vic mua sm v xy dng bt ng sn nh nh , t
ai
- Cho vay cng nghip v thng mi: lphong thc cho vay
ngn hn b sung ngun vn lu ng cho cc doanh
nghip.
- Cho vay cc nh ch ti chnh (cho vay u thc) cp tn
dng cho cc ngn hng, cc cng ty ti chnh, cc qu tn
dng .
- Cho vay c nhn: l hnh thc cho vay p ng nhu
cu tiu dng mua sm vt dng trong gia nh.
SVTT: Dng Th Hng

TC 38 B
Lp
Chuyn tt nghip
- Cho vay gii quyt vic lm trang tri cc chi ph, cho
vay i lao ng nc ngoi c thi hn (gi tt l d n
120/GQVL)
- Cho vay xo i gim ngho, v cc gia nh chnh sch.
- Cho vay hc sinh, Sinh vin c hon cnh kh khn.
- Cho vay d n nc sch v v sinh mi trng.
2.2 Cn c vo thi hn cho vay
Theo cn c ny cho vay c chia thnh:
- Cho vay ngn hn: loi cho vay ny c thi hn khng qu
12 thng n b p s thiu ht vn lao ng ca cc doanh
nghip v cc nhu cu c nhn.
- Cho vay trung hn: Theo quy nh hin nay cho vay trung
hn c thi hn t 12 thng n 60 thng. Tn dng trung hn
thng c dng ch yu mua sm ti sn c nh, ci tin
k thut hoc i mi ti sn c nh, thit b cng ngh
Bn cnh u t cho ti sn c nh cho vay trung hn cn l
ngun hnh thnh vn lu ng cho cc doanh nghip c
bit l nhng doanh nghip mi thnh lp.
- Cho vay di hn: l loi cho vay c thi hn trn 5 nm. Tn
dng di hn cung cp p ng nhu cu vn di hn nh
xy nh, p ng nhu cu phng tin vn tiNhng trong
thc t hin nay hnh thc ny thng l cho vay cc d n m
ngun vn do cc ngn hng thng mi cp tn dng.
2.3 Cn c vo mc tn nhim i vi khch hng
Theo cn c ny tn dng c chia thnh:
- Cho vay khng m bo: l loi cho vay khng c ti sn
th chp hoc s bo lnh ca ngi th 3. Vic cho vay ny
ch da vo uy tn ca bn thn khch hng i vi ngn
hng.
SVTT: Dng Th Hng
TC 38 B
Lp
Chuyn tt nghip
- Cho vay c bo m: l loi cho vay da trn c s cc

bo m nh: Th chp, cm c, hay phi c s bo lnh ca
ngi th 3.
2.4 Cn c vo phng thc hon tr
- Cho vay c thi hn: l loi cho vay c tho thun v thi
hn tr n trong hp ng. Hnh thc cho vay ny bao gm:
+ Cho vay ch c mt k hn tr n: l loi cho vay thanh
ton mt ln theo thi hn tho thun.
+ Cho vay nhiu k hn tr n c th l hnh thc cho vay
m khch hng phi hon tr c gc v li theo nh k. Loi
cho vay ny ch yu c p dng trong cho vay Bt ng sn
(BS), cho vay tiu dng v cho vay i vi cc nh kinh doanh
nh.
+ Cho vay hon tr n nhiu ln nhng khng c k hn tr
n c th m vic tr n ph thuc vo tnh hnh ti chnh
ca ngi i vay.
- Cho vay khng c thi hn tr n c th: i vi loi cho vay
ny th ngn hng c th yu cu hoc ngi i vay c th t
nguyn tr n bt c lc no nhng phi bo trc mt thi hn hp
l, thi hn ny c tho thun trong hp ng tn dng.
2.5 Cn c vo xut x tn dng
- Cho vay trc tip: Ngn hng cp vn trc tip cho khch
hng, ng thi ngi i vay trc tip hon tr mn n vay cho
ngn hng.
- Cho vay gin tip: l khon cho vay c thc hin thng
qua vic mua li cc kh c hay chng t n pht sinh cn
trong thi hn thanh ton nh : chng khon, Thng phiu, giy
chng nhn n.
SVTT: Dng Th Hng
TC 38 B
Lp
Chuyn tt nghip
3. Nhng nhn t nh hng n hot ng tn dng

Hot ng tn dng ph thuc rt nhiu vo nn kinh t.
Chu k kinh t pht trin c tc ng khng nh n hot
ng tn dng. Hin nay tnh trng lm pht ang rt cao sn
phm sn xut ra khng phc v chu nhu cu tiu dng, gi
c cc loi mt hng u tng mnh nht l cc mt hng v
thc phm, xng du.L nguyn nhn dn n tnh trng
ng tin b gim kh nng thanh ton. Chnh v vy ngi
dn khng gi tin vo ngn hng m em u t vo BS
hay tch tr bng vng. Do lm cho ngn hng mt i
mt ngun vn huy ng trong dn. T li sut tin gi s
tng dn n li sut cho vay cng tng. Mt khc do cnh
tranh trong lnh vc ti chnh, cc ngn hng thc hin
c nhiu hp ng tn dng s c gng cho vay m b qua
nguyn tc c bn ca tn dng nhm thu ht khch hng. V
th m chnh sch li sut cng b nh hng rt ln. Hot ng
tn dng chu nh hng trc tip ca cc nhn t:
*Nhn t x hi
Quan h tn dng l s kt hp ca 3 nhn t.
+ o c x hi.
+ Trnh dn tr
+ Tnh hnh chnh tr x hi.
Bn cnh s bin ng nn kinh t nc ngoi cng c
nh hng n hot ng tn dng.
* Cc yu t bn ngoi
- Nhn t php l
Php lut l b phn khng th thiu ca nn kinh t th
trng, s iu tit ca nh nc ph hp vi yu cu pht trin
ca nn kinh t. Vi vai tr m bo cho vic dch chuyn
SVTT: Dng Th Hng
TC 38 B
10
Lp
Chuyn tt nghip
nn kinh t t km pht trin sang mt nn kinh t vn minh,

php lut c nhin v to lp php l gii quyt vn
khiu ni t co khi c tranh chp xy ra. Mi hot ng kinh
doanh trong c hot ng ca ngn hng u chu s
iu chnh ca php lut. Vi hot ng tn dng ngn hng
l Lut cc t chc tn dng v h thng cc quy ch c th
trong tng thi k v li sut, d tr, hn mc Trong s rng
buc v php lut lm nh hng n hot ng tn dng cng
nh cht lng tn dng. V vy nhn t php lut c vai tr rt
quan trng trong cc h thng ngn hng.
- Nhn t mi trng t nhin
Nc ta l mt nc c kh hu nhit i gi ma, hn na
thin tai, ho hon, dch bnh li thng xuyn xy ra. iu kin
kh hu c nh hng rt ln n mt s ngnh c bit l
nhng ngnh c lin quan n nng nghip, thu hi sn. Mi
trng l nhn t nh hng gin tip n hot ng cng nh
cht lng tn dng ca ngn hng ni ring v nn kinh t Vit
nam ni chung. V vy vic u t vo nhng ngnh ny c
th b ri ro cao do mi trng t nhin gy ra.
- Tnh trng ca nn kinh t
Tnh trng nn kinh t cng nh php lut l nhng nhn
t v m, c nh hng n mi hot ng kinh doanh ca
ngn hng. Trong iu kin nn kinh t pht trin, hng
thnh, thu nhp ca ngi dn cao v n nh th cht lng
tn dng c m bo, kh nng hon tr vn gc v li ca
khch hng tt khi c hi u t cng c m rng. Nu
nn kinh t khng n nh th cht lng ca tn dng khng
cao, hot ng tn dng gp tr ngi.
- c im ca khch hng.
SVTT: Dng Th Hng
TC 38 B
11
Lp
Chuyn tt nghip
Khch hng ca Ngn hng CSXH l cc i tng thuc h

ngho, gia nh chnh sch, gia nh c con l hc sinh sinh
vin ang theo hc cc trng trn c nc l nhng i tng
c vay vn ca Ngn hng CSXH. Yu t khch hng rt quan
trng v c nh hng trc tip n hot ng v cht lng tn
dng ca ngn hng. Nu khch hng s dng vn ng mc
ch mang li hiu qu kinh t cao th vn ca ngn hng
pht huy tc dng ca n l h tr ngi ngho, gp phn vo
vic xo i gim ngho. T khch hng c th hon tr li
v gc ng hn cho ngn hng, qu trnh chu chuyn vn
c lu thng khng xy ra trng hp n qu hn, n tn ng
trong dn. Khi vn cho vay lun chuyn tt th hot ng
kinh doanh ca ngn hng cng tt. Nu vn khng c s
dng ng s lm gim cht lng cho vay ca ngn hng.
* Cc nhn t bn trong ngn hng
- Nhn t chnh sch tn dng
Nn kinh t thay i, chnh sch tn dng trong thi gian qua
c nhng i mi c bn theo c ch th trng nn gp
phn quan trng vo vic thc hin chnh sch tin t tn
dng ca ng v Nh nc gp phn thc y tng trng kinh
t. Mt chnh sch tn dng ng n s thu ht c nhiu
khch hng, hot ng tn dng trn c s phn tn ri ro,
tun th php lut, ng li chnh sch ca nh nc m bo
cng bng x hi.
- Nhn t t chc qun l
Cc ngn hng phi sp xp mt cch khoa hc m bo
s phi hp cht ch, nhp nhng gia cc phng ban, cc b
phn nghip v ca ngn hng trong tng chi nhnh. T s
to iu kin p ng kp thi yu cu ca khch hng gip
SVTT: Dng Th Hng
TC 38 B
12
Lp
Chuyn tt nghip
ngn hng theo di, qun l st sao cc khon cho vay, cc

hot ng vn l c s tin hnh cc nghip v tn
dng v qun l vn t hiu qu cao nht.
- Nhn t con ngi
Cn b tn dng l mt nhn t quan trng c nh hng
trc tip n cht lng ca tn dng. Nghip v chnh ca cn
b tn dng l:
+ Phn tch ti chnh v qun l s vn cho vay sao cho
hn ch ri ro n mc thp nht, cht lng tn dng t hiu
qu v hiu sut cao nht gip cho ngn hng gi c khch
hng hin c v tng kh nng sinh li cho ngn hng. thc
hin c nhim v ny i hi cn b tn dng phi c mt k
nng phn tch cc thng tin ti chnh tt khng nh
rng mt doanh nghip hay mt c s, h gia nh c
iu kin nhn c mt khon vay hay c gia hn n
hoc c tng hn mc tn dng. Vic hon tr n v cc khon
vay lun xy ra trong tng lai, do cn b tn dng phi
nh gi c l liu ngi vay c hon tr khon n hay khng?
iu ny ph thuc vo lng thng tin khch hng cung cp
cho ngn hng v nng lc nh gi ca bn thn cn b tn
dng.
+ Cn b tn dng c coi l c trnh chuyn mn gii
khi c kh nng nghip v rng th hin s hiu bit ton b
nhng quy tc cng vic, lut v nghip v kinh doanh, k
ton, kinh t hc, ti chnh c th a ra kt lun ng
n. Cn b tn dng cn phi c gic quan tt trong vic
nh gi tnh cch ca khch hng vay. Vic tuyn chn
nhng cn b tn dng c o c ngh nghip tt v gii
SVTT: Dng Th Hng

TC 38 B
13
Lp
Chuyn tt nghip
chuyn mn s gip cho ngn hng trnh c nhng sai phm

c th xy ra.
- Cc hng dn v cho vay
Bao gm nhng quy nh phi thc hin trong qu trnh
cho vay, thu n nhm m bo vn tn dng. Quy trnh ny
c bt u t khi cho vay, pht tin vay, kim tra qu trnh
s dng vn vay cho n khi thu n, thanh l hp ng tn
dng.
- Thng tin tn dng
C vai tr quan trng trong vic qun l vn vay, thng tin
tn dng c th c ly t nhng ngun sn c ngn hng
(h s vay vn ..) t khch hng cung cp, cn b tn dng trc
tip thm tra thu thp xung quanh, t c quan chuyn v
thng tin tn dng trong v ngoi nc, t cc ngun thng tin
khc (i, bo, to n) hoc t cc c quan qun l iu tra
nh cp ch qun, B Ti chnh, c quan kim ton, c quan
thu. S lng v cht lng ca thng tin tn dng c thu
nhn c lin quan n mc chnh xc trong vic nhn
nh v phn tch tnh hnh.
- Kim sot ni b
L bin php gip ban lnh o ngn hng c c cc
thng tin v tnh trng kinh doanh ca khch hng nhm duy
tr c hiu qu cc hot ng kinh doanh ang c xc tin
cho ph hp vi chnh sch, nhu cu mc tiu nh.
4. Vai tr ca hot ng cho vay i vi ngn hng v
i vi i tng cho vay
Tn dng l mt giao dch v ti sn gia bn cho vay v
bn i vay. Trong bn cho vay chuyn giao ti sn cho bn
i vay s dng trong mt thi gian nht nh theo tho thun,
SVTT: Dng Th Hng
TC 38 B
14
Lp
Chuyn tt nghip
bn i vay c trch nhin hon tr v iu kin vn gc v li

cho bn cho vay khi n hn thanh ton.
- i vi khch hng: Tn dng pht ra phi c s dng
ng mc ch, p ng c nhu cu sn xut kinh doanh,
phc v cho i sng ca khch hng vi li sut hp l, h s
th tc n gin theo ng quy nh ca php lut. Mt
khc, khch hng s dng vn vay c trch nhim thanh ton
y vn gc v li cho Ngn hng ng k hn theo tho
thun trong hp ng tn dng. Vic s dng v khng
nhng c hiu qu, mang lai li nhun cao cho khch hng m
cn mang li li ch v kinh t cho t nc gp phn lm tng
tng doanh thu.
- i vi ngn hng: Phm vi mc gii hn tn dng phi
ph hp vi thc lc ca bn thn ngn hng, va m bo c
tnh cnh tranh trn th trng vi nguyn tc hon tr ng hn
thu c tin vay, va m bo an ton trong hot ng ca
Ngn hng nhm thc hin cc mc tiu v kinh t x hi gp
phn h tr thc y cc doanh nghip pht trin da trn
nguyn tc s dng vn.
Tn dng ca ngn hng.
- i vi s pht trin kinh t x hi: Tn dng phc v mi
c nhn, gp phn vo vic gii quyt kh khn v khai thc
nng tim tng trong lnh vc kinh t, thc y qu trnh sn
sut pht trin, to mi quan h tt gia tng trng tn dng
vi tng trng kinh t. Nh vy, tn dng l mt khi nim va
c th (th hin qua cc ch tiu c th tnh ton c nh kt
qu kinh doanh, n qu hn.). Nhng cng va tru tng th
hin qua cc khi nim thu ht khch hng tc ng n nn
kinh t. Tnh hnh tn dng chu nh hng bi cc nhn t
SVTT: Dng Th Hng
TC 38 B
15
Lp
Chuyn tt nghip
ch quan (khi nim, qun l, trnh cn b ) v cc nhn

t khch quan (s thay i bn ngoi ca nn kinh t ).
S thay i ca gi c th trng cng nh mi trng php l
u nh hng n hot ng tn dng v cht lng tn dng.
Cht lng tn dng l ch tiu kinh t tng hp phn nh
mc thch nghi ca Ngn hng vi s thay i ca mi trng bn ngoi. iu ny c xc nh qua nhiu yu t: Thu
ht khch hng tt, th tc n gin thun tin, mc an
ton vn cao, chi ph v li sut, chi ph v nghip v.
SVTT: Dng Th Hng

TC 38 B
16
Lp
Chuyn tt nghip
CHNG II
Thc trng hot ng Tn dng ca ngn hng
chnh sch x hi huyn vit yn
1. Vi nt v chi nhnh ngn hng chnh sch x hi
huyn vit yn
1.1 Lch s hnh thnh v pht trin ca NHCSXH
huyn Vit Yn
Ngn hng chnh sch x hi (vit tt l: NHCSXH) l mt
trong nhng ngn hng thng mi quc doanh. Ngy
04/10/2002 Th tng Chnh ph ra quyt nh s 131/ Q- TTg
v vic thnh lp ngn hng chnh sch x hi.
Vic thnh lp chi nhnh ngn hng chnh sch x hi
nhm mc tiu chin lc kinh doanh lu di, m rng th trng
ca ngn hng CSXH.
Ngn hng CSXH huyn Vit Yn l mt ngn hng n
v thnh vin trc thuc ca ngn hng CSXH, l mt i din
u quyn ca ngn hng CSXH tnh Bc Giang. Ngn hng
CSXH huyn Vit Yn l n v hch ton ph thuc, c quyn
t ch trong kinh doanh theo phn cp ca ngn hng CSXH,
chu s rng buc v ngha v v quyn li i vi Ngn
hngCSXH Vit Nam. V mt php l, chi nhnh ngn hng
CSXH huyn Vit Yn cng c con du ring, c k kt cc hp
ng tn dng, kinh t, dn s ch ng trong kinh doanh,
t chc phn cp u quyn ca ngn hng CSXH tnh Bc
Giang. Chi nhnh ngn hng CSXH Vit Yn l i din php
nhn theo u quyn ca Tng gim c trong vic ch o
cc hot ng ca ngn hng CSXH trn a bn huyn Vit
Yn. C vai tr trong vic trin khai thc hin cc ch trng,
chnh sch tn dng u i ca Nh Nc i vi ngi ngho v cc
SVTT: Dng Th Hng
TC 38 B
17
Lp
Chuyn tt nghip
i tng chnh sch khc trn a bn huyn. Ngn hng

CSXH huyn Vit Yn thc hin cc nghip v tn dng v huy
ng vn, cho vay v cc dch v ngn hng theo qui nh
ti iu l v t chc v hot ng ca ngn hng CSXH.
Nhn u thc cho vay u i ca chnh quyn a phng, cc
t chc kinh t, t chc chnh tr x hi, cc hip hi, cc hi,
cc t chc ca Chnh ph v phi chnh ph, cc c nhn
trong v ngoi nc.
Ngn hng CSXH huyn Vit Yn
l mt chi nhnh mi
thnh lp, c hnh thnh t Qu tn dng ngi ngho huyn

Vit Yn. Ngay t khi i vo hot ng ngn hng gp
khng t kh khn v thch thc. Tuy nhin vi s lnh o ca
ban gim c, s c gng vt bc ca mi cn b nhn vin
v s on kt ca tp th c quan c bit l s ng vin
quan tm ca ngn hng CSXH tnh, s ng h ca cc cp
chnh quyn. V vy ngn hng CSXH huyn Vit Yn c
nhng thnh qu ng k. Kt qu th hin r nhng
mt nghip v :
+ Hot ng huy ng vn: Do l ngn hng CSXH nn
ngun vn ch yu do Nh nc cp, s vn huy ng t trong
dn l khng ng k ch yu l ca c nhn, h gia nh
gi tit kim k hn ngn. V vy hot ng huy ng vn
chim t l rt nh trong Ngn hng CSXH huyn Vit Yn.
+ Hot ng Tn dng: y l hot ng ch yu ca
Ngn hng CSXH Vit Yn. Nhng do l ngn hng CSXH nn
hot ng tn dng (ch yu l cho vay ) khng mang mc
ch kinh doanh nh cc ngn hng thng mi m n mang
tnh cht h tr.
SVTT: Dng Th Hng

TC 38 B
18
Lp
Chuyn tt nghip
Khch hng ca ngn hng CSXH phn ln l nhng h gia

nh c hon cnh kh khn, khu vc min ni, gia nh
chnh sch .... Ngn hng chnh sch x hi Vit Yn p
ng kp thi nhu cu v vn i vi nhng h gia nh kinh
doanh, tng gia sn xut, lm kinh t, gip h ngho c vn
u t vo mua cy ging, con ging, xy dng chung tri
chn nui pht huy kh nng vn c lm tng thu nhp, nng
cao i sng. Bn cnh ngn hng cn cho vay u thc qua
cc t chc hi, vay gii quyt vic lm cho vay i lao ng
nc ngoi c thi hn (vit tt l: D n 120/ GQVL), Vay d n
Nc sch v v sinh mi trng (NS&VS MT) Bng cc hot ng
ca mnh ngn hng CSXH huyn Vit Yn cng vi cc t
chc kinh t gp phn thc y pht trin kinh t Nng
nghip - nng thn trong c nc tng cng ti chnh, vn kh
dng cho ton h thng. C th ni ngn hng CSXH huyn
Vit Yn ng vai tr quan trng i u trong vic cung ng
dch v tn dng ngn hmg nng thn trong vic xo i
gim ngho m nh nc ra.
Do c im ca ngn hng l cho vay nhm mc ch
h tr nng dn, tuy nhin phm vi cn hp ch yu l trn a
bn huyn, thu nhp ca ngi dn cn thp, ch yu l sn
xut nng nghip, vn cho vay ch yu khc phc ri ro
thin tai. Qu trnh th ho gip ngi dn mnh dn vay
vn sn xut, chn nui m rng khu canh tc. Chnh v
vy hot ng tn dng ca ngn hng CSXH Vit Yn ra
i v pht huy ht kh nng nhm mc ch cung cp vn
cho ngi dn sn xut gp phn thc y nn kinh t a
phng, gim t l i ngho trong ton huyn.
SVTT: Dng Th Hng

TC 38 B
19
Lp
Chuyn tt nghip
1.2. C cu t chc b my ca ngn hng CSXH huyn

Vit Yn
BD HQT
Gim c
Ph Gim c
Phng k hoch
nghip v
Phng k ton
Ngn qu
* Ban gim c: c nhim v iu hnh ton b hot

ng ca ngn hng CSXH huyn Vit Yn. ra chin lc
cng nh phng hng hot ng ca ton ngn hng, ng thi
chu trch nhim v ton b hot ng kinh doanh cng nh
thc hin cc yu cu chnh sch m nh nc ra.
* Phng k ton Ngn qu: chu trch nhim ton b
cng vic c lin quan n vic xut, nhp, bo qun qu tin
mt, ngn phiu Tin t ti ngn hng CSXH Vit Yn.
* Phng k hoch Nghip v ( Phng tn dng ): Kinh
doanh l mt hot ng mang li cho ngn hng li nhun.
Phng ny chu trch nhim i vi nhng hot ng c lin
quan n hot ng kinh doanh ca ngn hng nh: Cp tn
dng, cc dch v thanh ton, cc dch v ca ngn hng cho
khch hng.
1.3 Tnh hnh hot ng ca ngn hng CSXH huyn
Vit Yn
SVTT: Dng Th Hng
TC 38 B
20
Lp
Chuyn tt nghip
- Cng tc k ton Thanh ton Tin hc

tng bc hin i ho cng nghip ngn hng p ng
i hi ca nn kinh t th trng, mi nm chi nhnh u t
chc to iu kin cho cn b k ton, cn b lnh o tham
gia cc lp o to v cng tc tin hc. Trang b thm my tnh
lm tt cng tc thanh ton trong nc v quc t vi mt
khi lng cng vic c giao p ng y kp thi cc yu
cu nhim
v m bo hch ton ng, , chuyn tin
nhanh chnh xc. n nay 100% cn b k ton ng dng tt

cng tc tin hc. i vi tc phong trong giao dch nn x l cng
vic nhanh hn, nng cao cht lng, v vy thu ht c nhiu
khch hng n giao dch.
- Thc hin tt cng tc chuyn i h thng ti khon
k ton theo quyt nh s 2098/2004/NHCS- KT ngy
28/10/2004 ca Tng Gim c NHCSXH. Trin khai thc hin
tt chng trnh chuyn tin in t ni, ngoi tnh. Hon
thnh 100.02% k hoch thu- chi ti chnh.
* Tng thu nhp: 2.193 triu ng
Trong
+ Thu li cho vay: 2.150 triu ng
+ Thu li tin gi: 26 triu ng
+ Thu cc khon khc: 6 triu ng
* Tng chi ph: 1.827 triu ng
Trong
+ Chi tr li tin gi, tin vay:32 triu ng
+ Chi ph u thc: 231 triu ng
+ Chi hoa hng cho t trng: 315 triu ng
+ Chi ph qun l khc: 149 triu ng
* Chnh lch
SVTT: Dng Th Hng
TC 38 B
21
Lp
Chuyn tt nghip
*( Thu- Chi): 366 triu ng

- Cng tc Ngn qu
Trong nm 2006 vic m bo an ton kho qu, vn
chuyn hng c bit c quan tm thng xuyn, khng
xy ra thiu, mt qu hoc mt an ton ti sn. Ban lnh o
tng cng trang b phng tin phc v cng tc ngn qu, thng xuyn chn chnh cng tc an ton kho qu, cng tc kim
tra kim sot cht ch. cng tc thu chi tin mt qua qu
ngn hng c thc hin lin tc, m bo kh nng chi tr
tin mt kp thi. V vy trong qu trnh thu, chi vi khch
hng vi khi lng tin mt ln nhng khng xy ra nhm ln,
mt qu. Cng tc thu chi tin mt qua qu ngn hng c
thc hin lin tc kp thi vi s liu c th:
- Tng thu 34.970 triu dng.
- Tng chi 34.970 triu ng
Trong qu trnh thu tin ca khch hng cn b ngn
hng pht hin tha 1.100.000 v tr cho khch hng
Nguyn Th Xun x Trung Sn.
- Cng tc t chc cn b
Chp hnh nghim tc qui nh v cn b theo tinh thn
ch o ca ngn hng Chnh sch Trung ng (TW) hng ng
thc hin tt phong tro thi ua. Ngoi ra hon thnh tt
cc mc tiu k hoch ban lnh o, cng on cn pht ng
nhiu phong tro thi ua ngn ngy.
- Cng tc kim tra kim ton ni b, gii quyt n th
khiu ni, t co
Ban lnh o xc nh cng tc kim tra, kim ton ni b
l mt nhim v ht sc quan trng trong cng tc ch o
iu hnh. Ngoi ra hng thng cn b kim tra kim ton ni
SVTT: Dng Th Hng
TC 38 B
22
Lp
Chuyn tt nghip
b cn kim tra h s vay vn i chiu trc tip vi khch

hng cn d n trong hn, qu hn Trong nm 2006 qua cng
tc kim tra ca Ban i din v phn nh ca qun chng
nhn dn pht hin v x l kp thi cc trng hp t trng
T TK&VV xm tiu tin gc v li ca h vay, in hnh l:
T ng Nguyn vn Tnh thn ng ch- x Hng Mai, ng
Nguyn Vn Lin thn Thng x Thng Lan, B Nguyn Th t
thn M Th x Minh c, bng bin php ng vin v nhc
nh n nay c bn x l xong cc trng hp trn. Do vy
khng c hin tng n th khiu ni vt cp.
- Cng tc phi k hp v trin khai tp hun
Tnh n thng 8/2006 Ngn hng phi hp vi UBND
ca 17 x, th trn t 17 im giao dch c khong cch xa
tr s ngn hng CSXH huyn trn 3 km theo quyt nh s
2064/NHCS- TD ngy 12/08/2005 ca Tng Gim c NHCSXH.
Nm 2006 NHCSXH huyn phi hp vi cc hi, on th ca
huyn t chc tp hun nghip v trin khai cc vn bn lin
tch v vic cho vay h ngho v cc i tng chnh sch khc
thng qua t chc hi, on th n 100% cc hi, on th
huyn, x, thn v 100% cc t trng T TK&VV. Tng s t
chc c 10 lp vi 856 lt ngi tham gia. c bit l t chc
tp hun cng tc t kim tra cho cn b ch cht ca cc hi,
on th nhn u thc. Qua cng tc tp hun c chuyn
bin tt trong cng tc qun l vn u i cho vay h ngho v
cc i tng chnh sch khc ca t trng, Ban qun l t v
cn b hi, on th, hn ch mc thp nht vic t trng
xm tiu v tiu cc khc c th xy ra.
+ Hot ng ca Ban ch o xo i gim ngho, x, th
trn: i vo hot ng c hiu qu, trin khai, ch o thc
SVTT: Dng Th Hng
TC 38 B
23
Lp
Chuyn tt nghip
hin tt cc vn bn ca Chnh ph, ca UBND Ban i din

HQT NHCS v bnh xt, xc nhn cho vay h ngho v cc i
tung chnh sch; cc Ban ch o m ring s nghi quyt
ghi chp theo di hot ng ca ban Xo i gim ngho.
Mt s Ban c bin php kin quyt trong x l dt im
cc khon n qu hn do h vay c kh nng tr n nhng c tnh
khng tr nh: Ban ch o xo i gim ngho x Tin Sn,
Qung Minh, Ninh Sn, Bch SnDo n nay khng c n
qu hn pht sinh tng trn a bn. Tuy nhin vn c mt s
Ban ch o xo i gim ngho cha c bin php tch cc
n qu hn cn cao nh: X Tng Tin, Vn H, Hng Mai, Minh
c
+ Hot ng ca cc T TK&VV: Vi 555 t TK&VV c
thnh lp trn a bn huyn th hin r mng li hot
ng ca h thng ngn hng CSXH Vit Yn ngy cng m
rng, hot ng ca cc T TK&VV pht huy c tnh cng
ng bn vng thc s l cu ni gia ngn hng vi h gia
nh ngho v cc i tng chnh sch khc. Qua kim tra
nh gi hu ht cc t TK&VV u c thnh lp theo quyt
nh s 783/Q-HQT ngy 29/07/2003 ca Ch tch HQT
ngn hng CSXH Vit Nam, vic tham gia T TK&VV l t
nguyn, on kt, tng tr v cng c li ca cng ng dn
c trn a bn thn, xm. Vic bnh xt cho vay vn c tin
hnh cng khai th hin ng c ch dn ch ho, x hi ho.
Nhiu T TK&VV hot ng tt nh: T TK &VV thn Kim Sn x
Tin Sn do b Nguyn Th Mai lm t trng, T TK&VV thn
Ninh ng x Ninh Sn do b Nguyn Th Minh lm t trng,
T TK&VV thn Tng Quang x Bch Sn do b Nguyn Th
Mai lm t trng, T TK&VV thn Sen H th trn Nnh do ng
SVTT: Dng Th Hng
TC 38 B
24
Lp
Chuyn tt nghip
Hong Vn Giao lm t trng T TK&VV thn u x T Ln do

ng Nguyn Minh Nh lm t trng, T TK&VV thn Hong Mai
x Hong Ninh do ng Nguyn B Quang lm t trngBn
cnh vn cn mt s T TK& VV hot ng km hiu qu,
nguyn nhn do t trng T TK& VV cha ch trng n trch
him ca mnh dn n tnh trng tn ng li, n qu hn
pht sinh cao, thm ch c t trng T TK& VV cn thu li trc
ca cc h nhng khng np vo ngn hng in hnh nh T
TK& VV thn Ngn i x Minh c do b V Th Vinh lm t trng qua kim tra pht hin t trng xm tiu tin ca
37 h l 5.612.100 ng ( trong : gc 0 , li 5.612.100 )
n nay np ht s tin trn vo Ngn hng CSXH huyn.
T TK&VV ti thn Dnh Sn x Trung Sn do ng Nguyn Vn
Mu lm t trng qua kim tra t, t trng thu tin li ca
cc h ht qu III/2007 l 9 thng vi 5.700.000 ng cho n
30/09/2007 mi np vo NHCS. T TK&VV ti xm1 x Vit Tin
do b ng Th Mng lm t trng qua kim tra t trng
khng thng xuyn nhc nh n c cc h np li hng
thng. t vay t thng 10/2004 ton t mi tr1 thng li, t
vay thng 6/2005 mi tr c mt qu, c bit c h1 nm cha
np li. V T TK&VV ti thn Phc Long x Tng Tin do ng
Thn Vn S lm t trng qua kim tra thy cc h u c
kh nng tr n nhng v li chnh sch ca nh nc do
pht sinh n qu hn nh hng n cht lng Tn dng.
- Cng tc cng c kin ton t TK&VV, kim k i chiu
n: Thc hin cng vn s 1069/NHCS- KHNV ngy 17/05/2005
ca Tng Gim c ngn hng CSXH, s ch o ca ngn
hng CSXH tnh Bc Giang v Ban i din HQT- NHCSXH
huyn v cng tc cng c kin ton t TK &VV, kim k v
SVTT: Dng Th Hng
TC 38 B
25
Lp
Chuyn tt nghip
i chiu n. n 31/12/2006 ton b t TK&VV c kin

ton cng c v t chc u thc cho vay tng phn qua cc t
chc hi, on th chnh tr x hi.
2. Thc trng hot ng tn dng ti ngn hng CSXH
Vit Yn
2.1 Khi qut v cng tc tn dng ti ngn hng CSXH
huyn Vit Yn
Trong nm 2006 din ra nhiu s kin quan trng: Nc
ta ra nhp t chc thng mi th gii (WTO), ng cai t chc
hi ngh din n hp tc kinh t Chu Thi Bnh Dng
(APEC) ln th 14 v cng l nm thc hin k hoch pht trin
kinh t- x hi giai on 5 nm 2006 2010, ng thi l nm
cc cp u ng, Chnh quyn trn ton huyn a ra ngh
quyt i hi ng b huyn ln th XX v i hi ng ton
quc ln th X, nh du mt bc ngot quan trng trong i
sng ca nhn dn. Nm 2006 cng l nm c Chnh ph
thng qua tiu ch chun ngho mi, vi tiu ch ny huyn Vit
Yn t l h ngho t 6,3% nm 2005 tng ln thnh 21,24%
nm 2006 (n thi im thng 8/2006 t l h ngho cn
16.93%), trong dn c sng ch yu bng ngh thun nng
( 85% s h sn xut nng nghip ), mt s t sng bng ngh
sn xut, kinh doanh va v nh, t trng ngi lao ng tham
gia lm vic ti cc nh my, x nghip trn cc a bn cn
chim t trng thp trn tng s lao ng c trong ton
huyn, nhng do c nhiu bin php tch cc, ng b ca cc
cp, cc ngnh trong vic h tr vn cho dn pht trin
kinh t, to cng n vic lm tng thu nhp cho ngi dn.
Chnh v vy i sng nhn dn c ci thin.
SVTT: Dng Th Hng

TC 38 B
26
Lp
Chuyn tt nghip
Nm 2007 trong tnh hnh iu kin kinh t x hi cn c

nhng thun li v kh khn an xen, ngn hng CSXH Vit
Yn c s ch o ca ngn hng CSXH tnh Bc Giang, ca
Ban i din Hi ng qun tr ngn hng CSXH huyn Vit
Yn ra nhng mc tiu nhin v, gii php thc hin ph hp
vi tng giai on c th v t c nhng kt qu ng
khch l. Thc hin nh hng, gii php trong kinh doanh
ngn hng CSXH Vit Nam, ngn hng CSXH Vit Yn xc
nh cng tc tn dng l mc tiu hng u, nhng phi an
ton, vng chc gim thiu ri ro trong kinh doanh. c s
ch o ca Ban lnh o Tnh u v U ban nhn dn
(UBND) huyn, mi quan h vi cc cp u, Chnh quyn a
phng cc x, th trn v cc c quan on th, cc cp hi
trin khai kim tra trc tip
trn 2000 h s dng vn vay
theo quy nh v thng qua 35 bui tp hun trao i v

quy nh v th tc iu kin nguyn tc vay vn. Tnh n
ngy 31/12/2007 kt qu thc hin nghip v tn dng ca
Ngn hng CSXH Vit Yn c nhng thun li, kh khn.
*Thun li
- Nhn c s quan tm ch o ca ngn hng CSXH
cp trn, cc cp u, ng, Chnh quyn a phng t tnh
n huyn v c s, s ch o trc tip ca Ban i din
HQT ngn hng CSXH; s phi hp cht ch ca cc cp chnh
quyn, ban ngnh on th, cc t chc chnh tr x hi to
iu kin cho ngn hng CSXH huyn Vit Yn c iu kin
pht huy kh nng ca mnh.
- Tch lu k tha nhng kinh nghim qu bu trong trin
khai nhim v thc hin chnh sch tn dng u i cho vay h
ngho v cc i tng chnh sch khc ca nhng nm u mi
SVTT: Dng Th Hng
TC 38 B
27
Lp
Chuyn tt nghip
thnh lp (2003 -2006) l c s thn li cho ngn hng CSXH

huyn Vit Yn pht huy m hnh qun l b my iu hnh
cng tc nghip v v cc nhim v chuyn mn K hoch d n,
ngun vn c ngn hng CSXH tnh Bc Giang giao ngay t
u nm to iu kin thun li cho ngn hng CSXH Vit Yn
ch ng ch o thc hin. UBND huyn Vit Yn quan tm
n ngn hng CSXH ch o cc x b ch ni lm vic
cho t giao dch lu ng, h tr cho mn tr s ngn hng
CSXH ci to, xy dng lm tr s giao dch.
* Kh khn
- Cng tc hot ng ngun vn ti a phng c
ch trng nhng kt qu cn hn ch trong khi h ngho v cc
i tng chnh sch khc chim t l cao (t l h ngho theo
tiu ch mi l 14,19% s h tng ng ngho trong huyn l
6.454 h ). Nhu cu vay vn ln, do vy c nh hng trc tip
n vic m rng p ng nhu cu vn trn a bn, ngun
vn ngn sch a phng huy ng cha cao theo k hoch.
- C s vt cht, phng tin lm vic cn nhiu kh khn,
tr s lm vic c mn lm vic trong iu kin lm vic
cht hp nh hng n mc an ton ca mt ngn hng.
i ng cn b cn nh, a bn rng nn vic qun l theo di
cn gp nhiu kh khn.
- D n c tip nhn t cc t chc tn dng chuyn giao
cn nhiu tim n, ri ro, trong khi s lng n kh i c xc nh nhng n nay cha c x l rt im.
- Trnh ca mt s cn b hi, on th, mt s T trng t tit kim v vay vn ( TK& VV ) cn bt cp, tuy c o to, hng dn nhng vn cha m nhn c nhim v
giao.
SVTT: Dng Th Hng
TC 38 B
28
Lp
Chuyn tt nghip
2.2 Thc trng hot ng tn dng ti ngn hng CSXH

huyn Vit Yn trong ba nm (2005, 2006, 2007)
2.2.1 Hot ng huy ng vn
Nm 2006 c s quan tm, ch o, thng nht kp thi
t Trung ng n a phng bng vn bn nhim v c th,
s quan tm ch o ca Ban gim c, cc phng nhim v
ngn hng CSXH tnh Bc Giang, Huyn U HND, UBND, Ban
i din HQT- NHCSXH huyn Vit Yn v cc cp U ng,
Chnh Quyn, s phi kt hp gia cc c quan, ban, ngnh,
t chc hi, on th ti a phng v tinh thn trch nhim
on kt n lc phn u ca mi cn b, nhn vin trong c
quan khc phc kh khn, hon thnh tt nhim v c giao
Vn cho vay h ngho v cc i tng chnh sch khc ch
yu l ngun vn cp theo k hoch hng nm do Trung ng
giao, Ngun vn ngn sch a phng cn hn ch ( vi s vn
ngn sch tnh chuyn sang cho vay h ngho l 700 triu
ng, ngun vn ngn sch huyn l 250 triu ng, tng
ngun Vn huy ng trong dn c l 767 triu ng) kt cu
ngun vn c th hin qua bng 1:
SVTT: Dng Th Hng

TC 38 B
29
Lp
Chuyn tt nghip
Bng 1 Tnh hnh huy dng vn theo ngun cp

trong 3 nm gn y (2005, 2006, 2007)
( n v tnh: Triu ng)
Ch tiu
1.NV trung ng
2.NVa phng
3.NV c
Nm
Nm
Nm
2005
2006
2007
32823 38836 53648

780
950
1036
767
510
3361
4055
5519
Nm
Nm
2006/2005
S
T l
2007/2006
S
T l
tin
(%)
tin
6013 18.32 14812
170 21.79
767
(%)
38.14
86
9.05
-257
-33.51
trung ng cp
b L.S
Tng
2
3
4
(S liu ly t Bo co kt qu hot ng tn dng ti NHSXH
huyn Vit Yn nm 2006, 2007)
Qua bng 1 ta thy ngun vn huy ng ch yu ca
ngn hng l do ngn hng CSXH Trung ng cp.
Nm 2006 l 38.836 triu ng tng 6.013 triu ng so
vi nm 2005, t 100% k hoch tnh giao. Ngun vn a
phng l 950 triu ng tng so vi nm 2005 l 170 triu
ng so vi k hoch tnh giao t 100% ( trong , vn
ngn sch tnh l 700 triu ng v vn ngn sch huyn l
205 triu ng). Ngun vn huy ng ti a phng c TW
cp b li sut l 767 triu ng. n nm 2007, ngun vn TW:
53.648 triu ng t100% k hoch nm 2007. tng 14.812
triu ng so vi 31/12/2006 tng 59,7%. Ngun vn a phng l 1.036 triu ng tng 86 triu ng so vi 31/12/2006.
SVTT: Dng Th Hng

TC 38 B
30
Lp
Chuyn tt nghip
Ngun vn huy ng ti a phng c TW cp b li sut l

510 triu ng gim 257 triu ng so vi nm 2006.
2.2.2 Hot ng cho vay ti ngn hng CSXH huyn Vit Yn
a. C cu vn tn dng theo thi hn
SVTT: Dng Th Hng

TC 38 B
31
Lp
Chuyn tt nghip
Bng 2 Tnh hnh bin ng v d n ti ngn hng

n v tnh: Triu ng.
Nm
Ch tiu
Nm
Nm
Nm
2005
2006
2007
1.
Ngn
hn
2.
Trung
20.48
26.79
hn
3. Di hn
Tng
5
0
8.560 8.354
3
3
291
592
Nm
tin
0
2007/2006
T l
S.tin
(%)
(%)
0
0
0
30.76 6.305
30,78 3.970 14,82
0
8.998
3
-2,41
2006/2005
S
T l
-206
644
7,71
090
(S liu t Bo co kt qu hot ng tn dng nm 2006,

2007)
Do l Ngn hng CSXH nn ngn hng CSXH huyn Vit
Yn cho vay cn c vo thi hn ch yu l cho vay trung hn
cho vay cc gia nh chnh sch c hon cnh kh khn, h
ngho. Ch tiu ny nm 2006/2005 l 30,78% vi s d n tng
dn qua cc nm t 20.485 triu ng nm 2005 n nm
2007 l 30.7630 triu ng.
D n ngn hn l ch tiu khng pht sinh v hu nh khng
c s dng trong ngn hng CSXH v thi hn cho vay thng
t 24 thng tr ln.
Ch tiu cho vay di hn ch yu l cho vay cc d n v
cho vay hc sinh sinh vin c thi hn t 2 nm n 16 nm,
mc duyt hn mc ca hnh thc cho vay di hn ny theo
tng k hc nhm h tr chi ph cho vic hc tp v duyt cc
d n ca h gia nh t chc kinh t. Nm 2005 vi mc d n
SVTT: Dng Th Hng
TC 38 B
32
Lp
Chuyn tt nghip
l 8.560 triu ng sang nm 2006 c gim 206 triu tng

ng t l gim 2,41% nhng n nm 2007 tng d n li tng
ln 644 triu ng sso vi nm 2006 t t l tng l 7,71%.
Nh vy mc d n ca cho vay di hn tang dn qua cc nm.
nm 2006/2005 c gim 2,41% ri li tng 10,12% nm
2007/2006.
b. C cu tn dng theo i tng ti ngn hng
Bng 3
Tnh hnh cho vay d n theo i tng ti ngn

hng
(n v tnh: triu ng)
Ch tiu
Dn h ngho
Dn
vayGQVL
Cho vay HSSV
vay
LNN
Tng
Nm
Nm
2005
2006
2007
T l
Nm
2007/2006
S
T l
tin
7 811
(%)
27,90
tin
8 243
(%)
23,02
2
4
564
15,92
136
3,31
243
199 1069
199
10
100
294
4
1
194
495
1 449
273,8
492,8
31 4040
743
611
27
cho
Cho
Nm
Nm 2006/2005
3580 4405
998
9
3 543 4 107
641
SVTT: Dng Th Hng

TC 38 B
194
82
33
Lp
Chuyn tt nghip
Qua bng phn tch trn ta thy tnh hnh cho vay d n
theo i tng ti ngn hng CSXH huyn Vit Yn trong 3 nm
gn y c s bin ng tng dn theo tng nm. Tng d n
tnh n 31/12/2006 l 40.409 triu ng tng so vi nm
2005 l 8.750 triu ng, so vi k hoch tnh giao t 100%.
Hin ti ngn hng CSXH huyn ang thc hin cho vay theo
5 chng trnh, trong d n cho vay h ngho v cho vay hc
sinh- sinh vin (HSSV) chim t trng ln 87,27% trn tng d n.
Trong :
- D n h ngho: Nm 2005 c s d l 27.998 triu ng
n nm 2006 tng thm 7.811 triu ng l 35.809 triu
ng t 1000% k hoch, chim 27.90%, vi 6.214 h. N qu
hn cho vay h ngho l 843 triu ng chim 2,05% so vi
tng d n gim so vi nm 2005 l 0,25%. Tnh n ngy
31/12/2007 d n cho vay h ngho l 45.052 triu ng, vi
6.744 h ang d n, t 100% k hoch nm 2007, tng 8.243
triu ng, tng ng vi t l tng l 23,02%. Mc d n bnh
qun t 6,5 triu ng/h. N qu hn l 796 triu ng,
chim 1,8% d n cng loi.
- D n cho vay CT120/GQVL 4.107 triu ng, thu ht c
315 lao ng tuy c gim so vi nm 2005 l 117 lao ng nhng li tng 546 triu ng t 99,5% k hoch tnh giao cho.
N qu hn cho vay gii quyt vic lm l 140 triu ng
chim 0,35% trn tng d n, gim 0,15% so vi nm 2005 Nm
2007 l 4.243 triu ng, tng 136 triu so vi nm 2006, t l
tng l 3,31% t 100% k hoch. N qu hn ca chng trnh
ny l 149 triu ng chim 3,51% so vi d n cng loi.
- D n cho vay i tng chnh sch i lao ng c k hn
nc ngoi (TCS i L) vi s d l 294 triu ng tng 194 triu
SVTT: Dng Th Hng
TC 38 B
34
Lp
Chuyn tt nghip
so vi nm 2005 tng ng vi t l tng l 194%, t 98% k

hoch. Sang nm 2007 d n i tng ny l 1.743 triu ng
tng hn nm 2006 l 1.449 triu ng vi t l l 492,85%
hon thnh 100% k hoch trn giao.
- Cho vay HSSV c hon cnh kh khn l 199 triu ng
tng 199 triu so vi nm 2005 t 99,5% k hoch. Nm 2007
s d n ca i tng ny ln n 10.694 triu ng tng ng
k, vi s tin ln n 10.495 triu, t l tng l 5.273,8%,
hon thnh vt mc k hoch.
c. C cu cho vay u thc qua cc t chc hi
SVTT: Dng Th Hng

TC 38 B
35
Lp
Chuyn tt nghip
Bng 4 Tnh hnh cho vay u thc tng phn qua cc

t chc hi.
(n v tnh: triu ng)
Ch tiu
1
Hi
L.hip
PN
- H ngho
- HSSV
- NS&VS MT
2.Hi
Nm
Nm
Nm
2005
2006
2007
1763
2016
17
12
000
238
Nm
Nm
2006/2005
S
T l
2007/2006
S
T l
tin
32 2536
233
(%)
14,38
tin
(%)
12 5 59,84
-28,01
067
4 94,5
23 4762
11
4,39
7,14
565
27,11
803
0 7 253 7 572
253
319
183
630
675
858
45
nng 9 857
12
18
26,48
6 093
48,87
9 287
467
560
610
15,46
4 824
44,99
10
15
1 305
136.22
570
723
547
436
37,89
-36
-4,58
958 2 263
958
978
786
750
1 354 3 620
216
376
38,45
2 266
167,36
698
750 2 864
52
7,45
2 114
281,87
364
346
18
5,20
dn
- H ngho
- HSSV
- NS&VS MT
3.Hi CCB
- H ngho
- HSSV
346
- NS&VS MT
4.on TN
280
875
258
392
1 071 2 334
-22
196
-5,79
22,4
134
1 263
51,94
117,93
- H ngho
875
673 1 839
-202
-23,08
1166
173,25
- HSSV
- NS&VS MT
Tng
398
495
398
97
24,37
0
29
0
35
0
56
340
058
747
(S liu ly t bo co kt qu hot ng
SVTT: Dng Th Hng
TC 38 B
36
Lp
Chuyn tt nghip
Thc hin cng vn s 1069/NHCS KHNV ngy 17/05/2005

ca Tng Gim c NHCSXH, s ch o ca NHCSXH tnh
Bc Giang v Ban i din HQT- NHCSXH huyn v cng tc
cng c, kin ton t TK&VV. Kim k i chiu n, n
31/12/2006 ton b s t c kin ton, cng c v t
chc u thc tng phn qua cc t chc hi, on th chnh
tr- x hi. V tng cng cng tc nng cao cht lng dch v
u thc cho vay. Thc hin cng tc cho vay h ngho v cc
i tng chnh sch thng qua cc t chc chnh tr x hi,
Ngn hng CSXH huyn Vit Yn tin hnh u thc 3/5 chng trnh cho vay trn a bn. Vic u thc khng ngng
pht huy sc mnh tng hp ca h thng chnh tr x hi, pht
huy sc mnh mng li rng n tn a bn cc thn, x ca
cc t chc chnh tr x hi.
Qua bng 4 ta thy cc hi hin ang qun l s vn vi
tng d n thuc cc t chc hi on th.
Hi lin hip Ph n nm 2006 qun l 20.166 triu ng
tng 2.536 triu ng so vi nm 2005, vi 265 t tng ng
3.635 h. S d tng ny l do chng trnh cho vay h tr HSSV
c hon cnh kh khn. v vy doanh s d n cho vay h ngho
gim 4762 triu ng, cho vay chng trnh NS&VSMT bin
ng nh chim 7,14% trn tng d n. Nm 2007 Hi ph n
ang qun l s vn l 32.233 triu ng trong d n h
ngho l 23.803 riu ng, HSSV l 7.572 triu ng v cho
vay chng trnh NS &VS MT l 858 triu ng vi 5.671 h
vay vn trong 287 t.
Hi nng dn D n qua hi nng dn bin ng tng dn
qua cc nm. Nm 2005 Hi nng dn
qun l 9.857 triu
ng n nm 2007 tng s d ln thnh 18.560 triu ng.

SVTT: Dng Th Hng
TC 38 B
37
Lp
Chuyn tt nghip
Nm 2006/2005 tng 2.610 triu ng vi t l tng tng ng

l 26,48%. n nm 2007/2006 d n ca t chc ny tng thm
6.093 triu ng t 48,87%.
Trong khi d n Hi CCB v on thanh nin hu nh khng
c bin ng vi tng s vn ca hai t chc ny l: 5.954
triu ngchim 6,32% trong tng d n cho vay u thc qua
cc t chc chnh tr x hi.
d. C cu cho vay theo a bn
Bmg 5 Tnh hnh cho vay h ngho theo a bn

(n v tnh: triu ng)
Tn n
Nm
Nm
Nm
2005
2006
2007
Bch ng
Hng Mai
Minh c
658
3 324
3 869
1 439
3 321
3 754
1 229
4 128
4 927
Trung Sn
1 866
2 116
3 330
Nm
Nm
2006/2005
S
T l
2007/2006
S
T l
tin
781
-3
-115
250
(%)
118,69
-0,09
-2,97
tin
-210
807
1
(%)
-14,59
24,30
31,25
13,39
173
1
57,37
0,16
28,31
-2,24
43,83
53,14
TT Nnh
Ngha
1 062
1 343
1 734
1 586
1 742
2 035
672
243
63,28
18,09
214
8
449
Trung
Tng Tin
Vit Tin
Hong
1 005
1 860
1 413
1 249
1 848
1 795
1 221
2 658
2 749
244
-12
382
24,29
-0,64
27,03
-28
810
954
SVTT: Dng Th Hng

TC 38 B
38
Lp
Chuyn tt nghip
Ninh
Quang
Chu
Vn Trung
Tin Sn
684
1 214
1 396
530
77,48
182
15
1 951
1 384
1 966
1 759
2 504
8769
15
375
0,77
27,09
538
1
27,36
57,24
4,70
-6,04
25,58
19,86
12,63
5,48
2,16
Hng Thi
Qung
848
815
Minh
Ninh Sn
Thng Lan
T Ln
Bch Sn
Vn H
Tng
928
1 972
1 096
753
1 167
27
1 638
1 540
1 715
1 447
790
725
93,16
88,96
010
77
-93
1
2
1
1
1
2
3
2
1
1
870
560
765
797
-13
93,75
28,40
69,80
105,84
-1,11
460
503
235
85
25
798
532
861
550
154
35
258
035
096
635
179
50
998
809
053
Qua bng phn tch tnh hnh cho vay d n H ngho theo
a bn cc x ta thy c s bin ng khng u qua cc
nm.
Vit Yn l mt huyn min ni gm 18 x v 1 th trn.
Trong ch yu cc h trong huyn l lm nng nghip, v
vy thu nhp thp i sng cha cao, t l h ngho cao th
hin trn bng d n cho vay h ngho. Trong c mt s x c
d n cho vay h ngho cao in hnh nh:
- X Minh c l x c s d n ln nht trong ton huyn, V
l x c a bn rng v ng dn nht m t l h ngho li
cao nn d n cho vay h ngho ca x cng cao. Nm 2005 tng
d n ca x l 3.869 triu ng y l s d cao nht so vi cc
x trn a bn huyn. Nm 2006 tuy d n c gim 115 triu
ng nhng vi mc d ny vn cao nht v t l gim l 2,97%
gim khng ng k. n nm 2007 s d tng thm 1.173 triu
ng tng ng vi t l l 31,25% tng d n nm 2007/2006
ca x Minh c l 4.927 triu ng.
SVTT: Dng Th Hng
TC 38 B
39
Lp
Chuyn tt nghip
- X Hng Mai, nm 2005 tng d n h ngho l 3.324 triu

ng, n nm 2006 d n c gim nhng khng ng k, t l
gim t 0,09%. Nm 2007 s d ln n 4.128 triu ng
chim 14,74% trong tng d n H ngho ton huyn. Do Hng
Mai l mt trong cc x min ni ca huyn li l x ln, nn t l
h ngho cao. Chnh sch cho vay h ngho ca nh nc nhm
h tr cho cc h sn xut kinh doanh, gip b con thot ngho
pht trin kinh t h gia nh.
- X Trung Sn cng c s d n cao ng th 3 trong ton
huyn sau 2 x Hng Mai v Minh c. D n ca x tng dn qua
cc nm. Nm 2006 tng thm 250 triu ng so vi nm 2005,
tnh n 31/12/2007 tng d n ca Trung Sn l 3.330 triu
ng. Nm 2007/2006 vi s tin tng thm 1.214 triu ng tng ng vi t l d n l 57,37%....L nhng x c s d n h
ngho cao in hnh ca huyn
Bn cnh nhng x ngho c s d n cao th cng c nhng
x c t l ngho thp nh:
- D n ca Th trn Bch ng c s bin ng gim, s d
n thp so vi ton huyn. V y l x thuc trung tm vn
ho huyn gn khu cng nghip nh Trm kinh t pht trin
t l h ngho t cc h gia nh kinh doanh cc mt hng c
thu nhp cao, phn ln dn c tp trung trn quc l 1A c i
H Ni v quc l Bc Giang Thi Nguyn. Nm 2006 c tng
781 triu ng so vi nm 2005 nhng n n 2007/2006 th
gim 210 triu ng tng ng t l gim l 14,59%.
- Vn H, Hng Thi, Bch Sn, Quang ChuNhng x
ny a s l cc lng ngh truyn thng nn c thu nhp thm
ngoi lm nng nghip. V vy nhng x ny khng c trng
hp d n qu hn.
SVTT: Dng Th Hng
TC 38 B
40
Lp
Chuyn tt nghip
Tm li, huyn Vit Yn l huyn c a bn rng s h

ngho cao. Tng d n cho vay H ngho tnh n ngy
31/12/2007 trong ton huyn l 50.053 triu ng. Do
tnh trng n qu hn l khng th trnh khi trong cao nht
vn l x Hng Mai vi t l 3,25%, Minh c l 1,68% Cn li
l nhng x khc chim t l thp hn vi s d nh.
2.3 Kt qu hot ng nm 2007
2.3.1 Kt qu hot ng nm 2007
* Nhng mt thc hin c
- Thc hin tt cc chng trnh cho vay, m bo ch tiu
k hoch trn giao, t l hon thnh k hoch nm t 100%.
c bit l trong nm 2007 ny ngn hng thc hin gii
ngn vay vn hc k I nm hc 2007- 2008 h tr chi ph hc
tp cho nhng gia nh c con hc H- C.
- Cng tc cng c t TK&VV hon thnh, kim k i
chiu thu n tn dng c coi trng v n 31/12/2007
hon thnh 100% k hoch chung.
- Thng qua hot ng cho vay vn ca ngn hng CSXH
gp phn gii quyt vic lm cho ngi lao ng, chuyn
i c cu cy trng vt nui. Nhiu h gia nh sau khi
vay vn ca ngn hng CSXH pht huy c hiu qu ca
ng vn m rng quy m sn sut, khng cn nh l nh trc
na v mua c ti vi, xe my, xy c nh mi bng. Thng
qua t TK&VV to thi quen tit kim cho ngi ngho, nhiu
t, h c tin gi tit kim cao hn mc ban u quy
nh v chp hnh tr li ng hn t l h li tn ng nhiu
khng cn nhiu.
Cng vi s ch o chung ca HQT, ngn hng CSXH Vit
Nam v s ch o trc tip ca chi nhnh ngn hng CSXH
SVTT: Dng Th Hng
TC 38 B
41
Lp
Chuyn tt nghip
tnh Bc Giang, ca ban i din HQT- NHCSXH huyn, s

quan tm to mi iu kin ca cc cp u ng, Chnh
quyn, s phi hp cht ch ca cc ban ngnh v t chc hi
on thNgn hng CSXH huyn Vit Yn to dng c
lng tin i vi ng o qun chng nhn dn vi cc c
quan ban ngnh v cp u ng tng bc khng nh v th
ca ngn hng CSXH trong vic thc hin knh tn dng u i,
gp phn vo cng cuc xo i gim ngho ca ng v nh
nc.
- Kt qu t chc thc hin cc hot ng
Ngay t u nm 2007, Ban i din HQT ngn hng
CSXH huyn Vit Yn quan tm v ch o cc cp u,
Chnh quyn a phng, cc ban, ngnh, on th to iu
kin thun li cho hot ng ca ngn hng CSXH huyn. Thc
hin cc vn bn nh: Ngh quyt, qui ch hot ng ca HQT
u c trin khai n cc cp thc hin. Do vy kt qu
hot ng tn dng nm 2007 ca ngn hng CSXH huyn
tng trng cao, t l tng trng ngun vn l 54,93%, tng trng d n l 55,24% so vi u nm. Trong ch yu l tng
trng d n cho vay h ngho v cho vay HSSV theo quyt nh
s 157/Q-TTg ca Th tng Chnh ph. Ngn hng CSXH
huyn Vit Yn hon thnh xut sc ch tiu k hoch tn
dng nm 2007. Nng lc v v th dn c nng ln.
Nm 2007, ngn hng CSXH huyn tranh th s quan
tm ch o ca cc cp u ng, Chnh quyn cc cp m
rng v pht huy sc mnh ca mng li rng ln n cc x,
th trn trong ton huyn thng qua vic nng cao cht lng
u thc tng phn cho cc t chc chnh tr x hi. n cui
nm 2007, ngn hng CSXH huyn xy dng xong 17
SVTT: Dng Th Hng
TC 38 B
42
Lp
Chuyn tt nghip
im giao dch ti UBND cc x, c lch giao dch c th, n

nh thng xuyn cn b tn dng i giao dch c trang b
y my tnh sch tay, cng c phc v cho hot ng
giao dch gip khch hng tip cn vi cc dch v ca ngn
hng CSXH c d dng thun tin.
- Cng tc khc:
Thc hin quy ch hot ng ca ngn hng CSXH cp
huyn. Ngn hng CSXH tham mu cho Ban i din HQTHNCSXH huyn t chc cc hi ngh trin khai, tp hun
cc vn bn ca Chnh ph, Hi ng qun tr ngn hng
CSXH, ngnh ngn hng CSXH v cc Vn bn Lin tch khc,
tin hnh hp s kt qu, su thng v tng kt nm.
Trong nm ngn hng c tham gia ng Bo him x hi
m bo quyn li cho ton b cn b cng nhn vin trong c
quan. Tham gia cc hot ng t thin nh ng h ngy v ngi
ngho, xy dng nh tnh ngha, xy nh lu nim in Bin
Tham gia tch cc cc phong tro hot ng vn ho th
thao do ngn hng CSXH tnh, huyn t chc.
* Nguyn nhn t c nhng kt qu trn
Ngn hng CSXH huyn Vit Yn pht huy tt nhng
mt thun li trn c s khc phc nhng kh khn v hon
thnh tt nhim v c giao.
Th nht t chc tt h thng mng li hot ng t
huyn n x, thnh lp 17 im giao dch ti cc x to iu
kin thun li cho khch hng giao dch vi ngn hng CSXH.
Trang b y my tnh xch tay v mt s cng c khc
phc v cho cng tc giao dch lu ng ti cc x.
Th hai Thng xuyn ch trng n cng tc o to, tp
hun nng cao nghip v cho cn b, tuyn truyn gio dc
SVTT: Dng Th Hng
TC 38 B
43
Lp
Chuyn tt nghip
o c ngh nghip, n nay c i ng cn b m

bo nng lc cng tc p ng yu cu nhim v c giao.
Th ba Tip tc cng c sp xp li cc t TK &VV tin
hnh u thc qua cc t chc chnh tr x hi, kin ton v i
vo hot ng c hiu qu .
Th t Thc hin tt cng tc cho vay, thu n, thu li theo k
hoch c giao m bo ni tip lin tc khng b ch tc,
gin on; ng thi ngun vn, d n cho vay cc chng trnh
u tng trng, cht lng tn dng c duy tr n nh.
Th nm C s phi hp cht ch t chc trin khai thc
hin cc vn bn lin tch c k kt gia ngn hng CSXH
vi cc t chc Hi, on th v u thc tng phn cho vay h
ngho. T TK&VV c thnh lp ti a bn thn, xm thng
qua cc t chc hi qun l c ngha c v kinh t, chnh
tr v x hi, tit kim c chi ph lao ng x hi, tng tnh
cng ng, trch nhim c thm cc iu kin t chc lng
ghp cc kin thc khuyn nng, khuyn ng vi cng tc cho
vay ca Ngn hng; ng thi cn b qun l t vi mc th
lao c ci thin so vi trc y nn tng cng trch
nhim cao hn.
2.3.2. Hn ch
a/ Hn ch
- Hot ng tn dng: ch ng trin khai cc hot ng
Tn dng, nhng tin gii ngn cn chm nht l chng
trnh cho vay gii quyt vic lm (CT120), t l n qu hn ca
chng trnh ny c gim nhng vn cn cao so vi mc bnh
qun chung.
Nguyn nhn ch yu l do d n nhn bn giao t Kho bc
Nh nc huyn chuyn sang.
SVTT: Dng Th Hng
TC 38 B
44
Lp
Chuyn tt nghip
- Cng tc phi kt hp ca cc t chc chnh tr x hi

nhn u thc tng phn, cha t chc kim tra thng xuyn i
chiu vi cc t tit kim v vay vn nn cn c hin tng xm
tiu xy ra.
- Hot ng ca t TK&VV: Cn c cc t TK&VV hot
ng cha tt, h vay chy chm np li v gc.
b/ Nguyn nhn
- Do Vit Yn l mt huyn ln, a bn hot ng rng
i ng cn b cn hn ch v s lng nn khng th thc hin
cng tc kim sot khng th trc tip n tng h vay m c thc hin thng qua cc t trng T TK&VV thuc cc x,
thn.
- Cng tc thu n, thu li c u thc cho t trng nn khng
th trnh khi tnh trng t trng xm tiu tin li ca cc h.
Hn na trnh ca cc t trng cn hn ch trong vic
qun l vn ca ngn hng giao cho. C nhng trng hp t trng khng nhc nh, n c cc h tr li hng thng theo
quy nh nn dn n tnh trng li tn ng nhiu thng
mi tr.
- Mt nguyn nhn dn n tnh trng n li v n qu
hn na l: Mt s h thot ngho nhng vn khng mun tr
n ngn hng v vo chnh sch ca nh nc. V do chn
nui gp kh khn ti sn b thit hi lm cho h vay khng c
tin tr cho ngn hng s dn n n qu hn.
- Cc t trng t TK&VV cha nhn thy r vai tr v trch
nhim ca mnh trong vic ngn hng u thc thu li. v vy
hot ng u thc cha pht huy ht tc dng.
- Do cc thnh vin Ban i din u kim nhim nn mt
s ng ch cha quan tm n vic thc hin
SVTT: Dng Th Hng
TC 38 B
45
nhim v
Lp
Chuyn tt nghip
kim tra gim st theo a bn c phn cng, cha c thi

gian gip c s tho g nhng kh khn, cha ch o kin
quyt i vi nhng khon vay do ngi vay chy c
pht hin qua kim tra.
SVTT: Dng Th Hng

TC 38 B
46
Lp
Chuyn tt nghip
3. Phng hng nhim v hot ng nm 2008

3.1 Phng hng nhim v
- Chun b ngun lc v con ngi, c s vt cht sn
sng nhn nhim v cho vay mt s chng trnh khc khi c
Chnh ph cho php.
- Tch cc lin h vi cp trn xin vn u i cho h ngho v
cc i tng chnh sch khc, phn u tng trng nm sau ln
hn nm trc v ngun vn 15%, s dng vn t 18 n 20%,
t l thu li t t 95% tr ln. Cng tc ti chnh m bo thu
b cho chi nhm gim bt ngun cp b li sut hng nm ca
Chnh ph v tng ngun vn cho vay cho h ngho v cc i
tng chnh sch khc. Duy tr v thc hin tt cng tc giao
dch lu ng ti a im cc x theo ch o ti vn bn s
2064/NHCS -TD ngy 12/08/2005 ca Tng gim c Ngn
hng CSXH.
- Tip tc phi kt hp vi cc cp chnh quyn thc hin
c hiu qu Ch th 09/2004/CT-TTg ngy 10/03/2004 ca Th
tng Chnh ph v vic: Nng cao nng lc hot ng ngn
hng CSXH.
- n c cc h vay qu hn tm mi ngun thu hp php
tr n nhm nng cao cht lng tn dng, phn u gim
t l n qu hn chung xung di 2%.
- Tip tc t chc tp hun v tp hun li nghip v cho
100% cn b Hi, on th v ban qun l t nhm kp thi a thng tin mi nht v nghip v tn dng u i n cn b
c s.
- Nng cao trnh cn b v mi mt. Trong ch
trng ti cng tc cng ngh thng tin, hin i ho ngn
hng.
SVTT: Dng Th Hng
TC 38 B
47
Lp
Chuyn tt nghip
- Bm st ni dung trong vn bn tho thun thc hin

vic tng cng cng tc kim tra v t kim tra ca cc cp
hi, on th phn u kim tra 100% x, th trn.
- Trn c s nh hng mc tiu ca Chnh ph, Ban i
din Hi ng qun tr ngn hng CSXH tnh Bc Giang,
Ngh quyt i hi ng b huyn Vit Yn ln th XX; cn c
vo iu kin t nhin, tnh hnh kinh t x hi ca huyn
cn nhiu kh khn v nhng kt qu t c nm 2007 trong
vic thc hin chnh sch tn dng u i i vi h ngho, Hc
sinh sinh vin c hon cnh kh khn v cc i tng chnh
sch khc trn a bn huyn. Ngn hng chnh sch x hi
huyn Vit Yn xy dng nhng mc tiu, phng hng nhim
v c th cho nm 2008 tp trung ch yu vo nhng ni
dung:
+ Ngun vn: tng trng bnh qun cao hn nm trc t
20% n 25%.
+ D n: Tng trng bnh qun cao hn nm trc l 2025%.
+ N qu hn: Hn ch n qu hn phn u nm 2008
d n qu hn l di 2% trn tng d n (Trung ng cho php 4%).
+ M rng i tng u t v tng mc u t cho cc i tng.
+ kt qu ti chnh: Phn u t 95% tr ln trn tng
s phi thu, m bo qu thu nhp chi lng cho cn b
cng nhn vin v cc khon khc.
+ Qun l tt tin mt, ti sn thc hin y cc quy
trnh thu, chi Tin mt m bo tuyt i an ton kho qu.
+ Trn c s qun l cht ch cc khon vay gii ngn
trong nhng nm trc, nm bt din bin ca nn kinh t,
SVTT: Dng Th Hng
TC 38 B
48
Lp
Chuyn tt nghip
tng ngnh ngh, doanh nghip m rng pht trin tn

dng trn c s nng cao cht lng tn dng gn vi hiu qu
hot ng ca cc loi hnh doanh nghip trn a bn huyn
Vit Yn cng nh cc d n ca khu cng nghip nh Trm,
Cng ty xng du.
+ Thc hin cho vay cho cc i tng nhm ci thin i
sng dn c, u t pht trin kinh t ton huyn, phn u
gim t l ngho trong nm 2008.
3.2 nh gi cht lng tn dng ca ngn hng CSXH Vit
Yn
nh gi cht lng tn dng ti ngn hng CSXH huyn
Vit Yn ta nh gi qua s d n qu hn theo a bn ton
huyn th hin qua bng 6
Bng 6 Tnh hnh n qu hn ti ngn hng

(n v tnh: Triu ng)
Tn n
v
Nm
2005
Bch ng
Hng Mai
Minh c
Trung Sn
3
59
56
114
Nm
2006
0
147
65
53
SVTT: Dng Th Hng

TC 38 B
Nm
2007
0
134
108
75
49
Nm
2006/2005
S
T l
tin
(%)
-3
-100
88 140,9
9
10,6
-61 -50,3
Nm
2007/2006
S
T l
tin
(%)
0
0
-13
-8,01
43
60,6
22
40,1
Lp
Chuyn tt nghip
TT Nnh
Ngha
28
27
37
50
15
67
208
3
3
173
29
27
176
20
28
Ninh
Quang
49
24
16
-25
Chu
Vn Trung
Tin Sn
Hng Thi
Qung
56
32
13
31
16
24
19
24
18
21
22
15
-40
-8
6
-7
Minh
Ninh Sn
Thng Lan
22
6
3
92
0
66
Trung
Tng Tin
Vit Tin
Hong
9
23
30,2
80,5
-22
17
-50,9
30,4
35
10,6
26 860,6
24
800
3
-9
1
1,07
- 40,1
3,07
-50,1
-8
-30,3
-70,1
-20,5
40,6
-20,2
2
-3
3
-9
10,2
-10,2
10,5
-30,5
-19 -80,6
86 1.430
-3
-26
-100
-20,8
,3
40,2
-100
-2,04
T Ln
14
20
12
6
-8
Bch Sn
6
0
8
-6
8
Vn H
41
40
152
-1
112
Tng
771
843
943
( S liu t bo co kt qu hot ng tn dng ).
40
0
280
Qua bng s liu v tnh hnh n qu hn cho ta thy. D n

qu hn theo a bn trong ton huyn c s bin ng tng
dn qua cc nm. Nm 2005 n qu hn ton huyn l 771 triu
ng n 31/12/2006 d n qu hn tng thm 72 triu ng
ln thnh 843 triu ng. Sang n nm 2007 tng n
chuyn qu hn l 943 triu ng. Nguyn nhn t l n qu
hn tng dn qua cc nm l do n qu hn tng cao ti cc x.
- X Vn H c t l n qu hn tng cao nht trong ton
huyn. Nm 2005 ton x ch c 41 triu ng n nm 2006
gim 1 triu ng t l gim l khng ng k ch t
2,04%. 31/12/2007 mc d n qu hn ca x Vn H ln
n 152 triu ng tng 112 triu ng tng ng vi mc
SVTT: Dng Th Hng
TC 38 B
50
Lp
Chuyn tt nghip
tng l 208%. y l nguyn nhn ch yu lm cho tng d n

qu hn trng ton huyn tng dn qua cc nm.
- X Tng Tin, x Vn H v x Hng Mai l ba x c tng d n
qu hn cao nht. Nguyn nhn cc x ny c s d n qu hn ln
nh vy l do a bn cc x rng. Nh Hng Mai vi s dn
ng c t l h ngho cao, sn xut gp dch bnh cng vi
do nh hng ca thi tit. Do khi n hn h vay vn cha
c tin tr cho ngn hng. Nm 2006 tng n qu hn ca x Hng Mai l 174 triu ng tng 88 triu ng sso vi nm
2005 , t l tng l 140,9%. Nm 2007 c gim 13 triu ng
so vi nm 2006 nhng t l gim ch c 8,01%.
- Bn cnh nhng x c tng d n qu hn ln th cng c
nhng x khng n qu hn in hnh l Bch ng trong
hai nm 2006 v 2007 Bch ng khng c n qu hn v x
Quang Chu, Ninh Sn hon thnh 100% tr n khi n hn
v vy khng c n qu hn.
Tuy doanh s n qu hn c tng dn qua cc nm do mt s x
c s d n ln. Nhng xt ton huyn th Vit Yn ang tng bc
nang cao cht lng tn dng th hin qua s n qu hn gim
thm ch khng c n qu hn cc x: Bch ng, Ninh Sn,
Quang Chu.
Qua cc ch tiu nh gi v phn tch trn ta thy rng
ngn hng CSXH Vit Yn t c nhng kt qu nht
nh trong vic nng cao hot ng tn dng, cht lng tn
dng, xo i gim ngho.
Nng cao cht lng tn dng bng cch hn ch n qu hn
mi pht sinh, tng trng tn dng trong th n nh, u t,
nh hng cho cc ngnh kinh t trng im. T l n qu hn
SVTT: Dng Th Hng

TC 38 B
51
Lp
Chuyn tt nghip
ca ngn hng CSXH vit Yn mc 2.1% trong khi mc phn

u ca ton h thng l di 1% vo nm 2007.
- Mc d gp nhiu kh khn trong vic thu n qu hn v
x l n qa hn nhng x c t l cao nhng khon ngn
hng phi s dng nhiu bin php nh: gn n, xit n
- Thc hin nng cao cht lng tn dng bng vic duy tr
hiu sut s dng vn cao ng thi vi vic tng vng quay
vn tn dng v gim li treo. Vic nng cao cht lng tn dng
ngn hng CSXH huyn Vit Yn xo c 2.743 h ngho
gip cho nhiu gia nh thot c cnh ngho, gip cc hc
sinh sinh vin ang theo hc ti cc trng i hc, Cao ng c
thm vn chi ph cho vic hc tp. Nhng nm qua mc d
nn kinh t gp nhiu kh khn, do nh hng ca khng
hong kinh t khu vc, quc gia nh: cm gia cm, dch t
gy nh hng trc tip n ngi nng dn chn nui gia sc,
gia cm b cm chng hay ph sn. Trong h thng ngn
hng cng gp nhiu kh khn do phi cnh tranh vi nhau,
khng v th m ngn hng CSXH b ng vn m ngn
hng CSXH Vit Yn v ang s dng ht ngui vn t c
ca mnh, hiu sut s dng vn lun lun t gn 100%. Duy
tr c hiu sut s dng vn mc cao tng nhanh vng
quay vn tn dng. Vic nng cao cht lng tn dng to
iu kin cho ngn hng CSXH huyn Vit Yn thu c
nhng kt qu ng ghi nhn, uy tn v v th ca ngn
hng ngy cng c nng cao v n nh .
* Nhng nguyn nhn nh hng n cht lng tn dng
- Thun li
Ngn hng CSXH Vit Yn a ra c quy trnh tn
dng mt cch khoa hc, hp l, cht ch, trch nhim ca bn
SVTT: Dng Th Hng
TC 38 B
52
Lp
Chuyn tt nghip
thn ngn hng trong mi quan h chung i vi cht lng tn

dng ca ton h thng. Cn b tn dng nhn h s vay vn
ca khch hng tin hnh lim tra, phn tch tnh hnh ti
chnh, kh nng thu hi n vay, hp php, tnh hp l ca ti sn
ang dng l ti sn m bo tin vay. Nu h s y c
th cho vay c, cn b tn dng s trnh ln trng phng xt
duyt v cui cng l trnh ln Gim c.Vic nh gi gi tr
ti sn c dng lm m bo tin vay s c cn b tn dng
xc nh trn khung gi ca Nh nc cng vi mt bin linh
hot cho php. Ton b h s, ti sn th chp, cm c s c
ngn hng bo qun cht ch trong sut qu trnh vay. Cn
b tn dng phi tin hnh kim tra vic s dng tin vay ca
khch hng, n c khch hng tr n gc v li ng hn.
Trong trng hp mn n vay qu qui nh ca ngn hng th
ton b h s s c cn b tn dng thuyt trnh trc Hi
ng tn dng. Hi ng tn dng l cp c thm quyn cao
nht trong vic xt duyt cho vay. Vic a ra quy trnh tn
dng c tc dng rt ln trong vic nng cao cht lng tn dng
trong ton h thng ngn hng. Ngun vn ln chnh l th
mnh, l ng lc cho vic thc hin m rng tn dng ngn
hng. Do huy ng tin gi ti ngn hng CSXH l nh, ngun
vn ch yu do nh nc cp c m bo kh nng thanh ton,
hot ng khng v mc ch li nhun. Do li sut ca
ngn hng lun thp hn so vi cc ngn hng Thng mi v
cc t chc tn dng khc trong a bn. Li sut ch c 0,5%/
thng. Trong thi gian trc v by gi khch hng ch yu ca
ngn hng CSXH Vit Yn l h ngho, gia nh chnh sch,
nhng gia nh thiu vn sn xut nh, nhng c nhn vay
gii quyt vic lm. T to iu kin cho ngn
SVTT: Dng Th Hng
TC 38 B
53
Lp
Chuyn tt nghip
hng CSXH huyn Vit Yn nng cao cht lng tn dng ca

mnh Lut ngn hng Nh nc v ngn hng CSXH ra i l
mt bc tin to iu kin thun li cho cng tc tn dng, bn
cnh l s ra i ca cc qui nh v m bo tin vay v
trch qu d phng ri ro cng to cho ngn hng CSXH huyn
Vit Yn ni ring v ngn hng CSXH ni chung hn ch kh
nng ri ro trong hot ng tn dng.
- Kh khn
Nguyn nhn ch quan
+ Trong thi gian u hot ng m ngn hng CSXH
VIt Yn khc phc gim ti thiu n qu hn.
+ Vic xt duyt vay vi s lng ln, a bn rng lc lng
cn b c gii hn.
+ Vic kim tra, kim sot ch ng t pht hin cha c
thng xuyn v nghim tc c v ni dng phng php v cc
bin php x l.
+ Cht lng kim tra, phc tra v sa cha sai st khc
phc x l cha cng quyt v dt im.
Nguyn nhn khch quan
+ Kinh t nc ta hin nay ang trong giai on u ca
qu trnh i mi, chnh sch v c ch qun l v m ca
nh nc ang trong qu trnh chuyn i ng thi mt s
quy nh cha tht hp l. Mi trng php l cho hot ng tn
dng cha y ng b cn thiu cc vn bn hng dn
hoc c hng dn nhng cha ph hp nn qu trnh thc hin
gp nhiu kh khn.
+ Vic thanh quyt ton cn tin hnh chm do nh hng nhiu n vic khch hng chm trtong vic tr n gc
v li cho Ngn hng.
SVTT: Dng Th Hng
TC 38 B
54
Lp
Chuyn tt nghip
* Nhn tng qut: Vic nh gi cht lng tn dng

ngn hng CSXH huyn Vit Yn trong nhng nm qua
khng nh c vai tr tn dng ngn hng gp phn vo s
pht trin nn kinh t, hn ch lm pht, xo i gim ngho,
n nh tin t. Tuy vy vn cn nhiu tn ti cn xem xt
nghim tc c gii php khc phc cng c cht lng tn
dng.
SVTT: Dng Th Hng

TC 38 B
55
Lp
Chuyn tt nghip
Chng III
Mt s gii php, kin ngh nhm nng cao hot ng
Tn dng, cht lng Tn dng ti Ngn hng Chnh sch
x hi huyn Vit Yn
1. nh hng v pht trin hot ng ca Ngn hng
Chnh sch x hi huyn Vit Yn
Vi phng chm hot ng V ngi ngho nn nh hng
ca ngn hng CSXH huyn Vit Yn trong nhng nm qua
lun t ra gn st vi tnh hnh thc t ca nn kinh t.
Nm c tnh hnh v thc trng nn kinh t ca tnh, hot
ng kinh doanh ca doanh nghip, h gia nh ngho, gia
nh chnh sch trn a bn huyn, ngn hng CSXH Vit
Yn ra cc nh hng pht trin sau:
Chnh sch tng ngun vn hot ng: Ngun vn ln l
ng lc cho vic thc hin thnh cng chin lc pht trin
ca ngn hng trong thi gian ti. Mc tiu chnh sch l bn
cnh tng trng ngun vn chung cn ch trng huy ng vn
nh l l ngun tin gi t a phng bng cch nng cao
cht lng tn dng v kh nng thc hin cc dch v tn dng
ngn hng, tng t trng vn huy ng trung v di hn, vn
huy ng bng VN.
Nhng ngun vn ny trc y ngn hng CSXH khng
huy ng c, vn c cp t Trung ng cp xung. p
ng nhu cu trung v di hn ngy cng cao ti ngn hng.
nh hng nm 2008 l hot ng ti a cc ngun lc, y
mnh Cng nghip ho- Hin i ho to chuyn bin mnh m
v vng chc trong qu trnh pht trin kinh t x hi nng
thn chm lo s pht trin khoa hc cng ngh, gio dc, y t,
vn ho, xo i gim ngho ci thin i sng nhn dn.
SVTT: Dng Th Hng
TC 38 B
56
Lp
Chuyn tt nghip
Chnh sch nng cao cht lng tn dng: Gim dn n qu hn,

khai thc hiu qu ti sn xit n. Mc tiu hn ch n qu hn
pht sinh bng cch s dng vn an ton hiu qu.
nh hng vi phng chm i vay cho vay v khng
ngng i mi pht trin. Chnh sch u t ng hng t
hiu qu kinh t cao. Hot ng tn dng tp chung ch yu
cho cc doanh nghip, lm kinh t h gia nh v cc d n ln
thuc ngnh kinh t mi nhn c ngha x hi cao.
+ Chnh sch tng cng i mi cng ngh l mc tiu ca
chng trnh trang b, nng cp my mc thit b tin hc tng
bc hin i ho cng ngh nhm nng cao cht lng phc v,
p ng nhu cu qun l, tng sc cnh tranh chun b cc
iu kin trin khai cc n i mi cng ngh trong
chin lc lu di ca ngn hng.
+ Chnh sch cng c: Nng cao cht lng tn dng, tng
cng o to ngun nhn lc. Xc nh con ngi l yu t
hng u ca mi cng vic. Vic xy dng mu ngi c
trnh , tr tu cao, am hiu ngh nghip, c nhn cch to
nn nhn t quyt nh s pht trin ca ngn hng.
m bo cho hot ng ca ngn hng CSXH Vit Yn theo
ng hnh lang php l, thc hin c cc bo m an ton
v kinh doanh c hiu qu th hot ng ca Ngn hng
CSXH huyn Vit Yn cn c nhng ci tin i mi v c cu
t chc m rng mng li hot ng. p ng nhu cu vn
vay trong qu trnh Cng nghip ho - Hin i ho cng ngh
v chuyn dch c cu u t tng nng sut lao ng, to
cng n vic lm cho b phn dn c.
t c mc tiu trn ngn hng CSXH Vit Yn phi
thc hin ng b cc bin php, chnh sch v huy ng vn
SVTT: Dng Th Hng
TC 38 B
57
Lp
Chuyn tt nghip
t li sut v chin lc khch hng nng cao cht lng hot

ng ca h thng mng li a dng ho cc ngun vn huy
ng nhm khai thc trit cc ngun nhn di.
M rng i tng u t theo quyt nh 67 v thnh lp
cc t vay vn theo Quyt nh lin tch 2308 NH/02 gia
ngnh ngn hng vi cc t chc hi, on th thc hin cc
chng trnh nng nghip, nng thn v hng dn xy dng
cc d n u t theo quy hoch nh hng kinh t ln ca a
phng.
Xut pht t thc t, tn dng ngn hng ti ngn hng
CSXH ti xin a ra mt s ngh nhm nng cao cht lng
tn dng trong ngnh ngn hng.
SVTT: Dng Th Hng

TC 38 B
58
Lp
Chuyn tt nghip
2. Gii php nng cao hot ng tn dng v Cht lng

tn dng ti ngn hng CSXH hun Vit Yn
T vic phn tch cc nguyn nhn trn ti c th a ra
mt s gii php
- Tp trung cc ngun vn cn i t Trung ng, ngun
vn huy ng ti a phng (ch yu l ngun ngn sch
a phng) m bo chi tiu ng k hch ra p ng
nhu cu ngun vn cho vay h ngho v cc i tng chnh
sch trn i bn.
- Phi hp vi cc t chc Chnh tr x hi nhn u thc tp
trung ch o cc t TK &VV trin khai thc hin tt cng tc
lp h s cho vay, ng thi tin hnh gii ngn ng quy
trnh, ng i tng theo qui nh ca ngn hng CSXH
khng tn ng vn.
- Pht huy hiu qu ca cc t giao dch lu ng ti cc x,
m bo lch giao dch nhm phc v tt cc khch hng giao
dch vi ngn hng CSXH.
- Tng cng cng tc kim tra gim st ca Ban i din
Hi ng qun tr, Ban ch o thu hi n qu hn ca huyn,
Ban thu hi n cc x, th trn n c thu hi cc khon n
n hn, n qu hn, kp thi x l cc khon n ri ro pht sinh.
- Trin khai tt cc chng trnh cho vay mi theo yu cu
ca cp trn.
- Tin hnh gii ngn ht s vn Trung ng giao ngay
u qu I/2008 m bo hon thnh tt cc ch tiu k hoch
thng bo.
- Tip tc cng c, nng cao cht lng tn dng, m rng
quy m tn dng, nng mc cho vay bnh qun, khai thc v
s dng c hiu qu ngun vn tn dng u i ca Nh nc p
SVTT: Dng Th Hng
TC 38 B
59
Lp
Chuyn tt nghip
ng nhu cu ca h ngho v cc i tng chnh sch trn a

bn. Phn u n nm 2010 ngi ngho c nhu cu vay
chnh ng u c vay vn ca ngn hng CSXH.
- Thng xuyn gio dc t tng o c cho cn b cng
nhn vin, xc nh r vai tr trch nhim ca mnh trong
cng tc, pht huy tnh tin phong gng mu, khng ngng
hc hi nng cao trnh nghip v hon thnh tt cc
nhim v, ch tiu k hoch nm 2008 gp phn thc hin
mc tiu xo i gim ngho a phng.
- Phi hp vi i pht thanh tuyn truyn cc ch trng
chnh sch ca ng, nh nc v ca ngn hng CSXH V/v
cho vay h ngho v cc i tng chnh sch khc vi nguyn
tc c vay c tr (c gc, li) nhng c u i v li sut, khng
phi c ngi bo lnh hoc ti sn th chp, th tc n gin,
c nhn tin vay v tr n ti c s.
- Trong qu trnh thc hin thng xuyn tranh th xin
kin ch o ca Ban gim c ngn hng CSXH tnh, ca
huyn U, HND, UBND v Ban i din HQT NHCSXH huyn.
Phi kt hp tt cng tc chuyn mn gia cc b phn trong
phng, cng nh cc ban, ngnh, hi on th v chnh quyn
a phng.
- Phi hp vi ban ch o thu hi n ca huyn, Ban thu hi
n cc x, th trn v cc c quan php lut x l cc tp th c
nhn c tnh chim dng vn ca Nh nc.
- Tng cng hot ng i ngoi hc tp kinh nghim,
tham mu cho UBND huyn. Phi hp tt vi chnh quyn cc x,
th trn duy tr v m bo an ton cho cc t giao dch
lu ng i vo hot ng n np, t hiu qu cao.
3. Kin ngh
SVTT: Dng Th Hng
TC 38 B
60
Lp
Chuyn tt nghip
3.1 Kin ngh vi nh nc

* n nh mi trng kinh t v m
Vic n nh mi trng kinh t v m l mt vic lm
quan trng trong hot ng kinh doanh ca Ngn hng CSXH.
Do vy m nh nc phi a ra cc nh hng, chin lc pht
trin kinh t trong thi gian di to mi trng kinh t n nh,
kim ch lm pht, thiu pht n nh sc mua ca ng
tin. M rng quan h hp tc vi cc nc trn th gii. T m
rng quan h tn dng trong nn kinh t to iu kin thun
li cho hot ng kinh doanh ca cc ngn hng.
* Tng bc hon thin cng c mi trng php l lnh mnh:
Xy dng ng b cc lut m bo quyn li xng ng cho
nh u t, cho cc doanh nghip v Ngn hng. Cc tng lp
dn c tiu dng tit kim khuyn khch u t trong nc v
ngoi nc pht trin.
3.2 Kin ngh i vi ngn hng Nh nc
Nh nc quan tm n li ch ca cc ngn hng, Nh nc
cn phi hoch nh chnh sch di hn v nh hng pht
trin c cc bin php ph hp nhm m bo mt mi trng
kinh t n nh cho hoat ng ca cc doanh nghip.trng
kinh doanh ca ngn hng tim n ri ro. V vy ngn hng
nh nc cn tp trung n lc hon thin h thng vn bn qun
l nh nc i vi ngn hng ni chung v tn dng ngn hng
ni ring, bo m cng tc qun l nh nc i vi ngnh
ngn hng va hon thin va cht ch trn c s tin b v
hiu qu nhm nng cao hot ng tn dng v cht lng tn
dng ti ngn hng.
- Xy dng h thng ngn hng v cc t chc tn dng
mnh v ngun vn vng v b my t chc qun l, hin
SVTT: Dng Th Hng
TC 38 B
61
Lp
Chuyn tt nghip
i v cng ngh, mng li hot ng rng khp, tuyn truyn

n cc thnh pn kinh t v b lut ngn hng Chnh sch,
lut t chc tn dng. Tng bc m rng v ci thin cc hnh
thc thanh ton, chi tr hng ho dch v qua ti khon tin
gi ca mnh ti ngn hng.
- Hon thin th trng tin t ( vn ngn hn, th trng
chng khon v vn di hn ) thit lp cng c m rng quan
h Tn dng gia cc Ngn hng phi khng ngng i mi
hot ng v nng cao cht lng Tn dng. M rng quan h
i ngoi vi cc t chc ti chnh nc ngoi tranh th s gip
v ti tr cc ngun vn li sut thp, a dng ho hot ng
ngoi t.
- Ngn hng CSXH thc hin tt qun l nh nc tng cng thanh tra, trn chnh x l kp thi nhng hnh vi, biu
hin xu. Ngoi ra cn tuyn truyn thng xuyn su rng cho
cc t chc tn dng v nghip v ny:
V li lut Li sut theo qui nh ca nh nc lm cho ngn
hng CSXH c u th v h li sut cho vay, tho thun mt cam
kt v mc li sut cho ph hp khi cho vay i vi tng khu vc,
tng trng hp v tng i tng mc ch c th.
- Tp trung cao v vic nng cao cht lng cn b
trong ton h thng ngn hng CSXH.
- Thc hin cc bin php thch hp nng cao cht lng tn
dng. Tip tc hon thin c ch khon ti chnh.
- Tng cng cng tc kim tra- kim sot ni b chng tiu
cc ngoi s n lc ca bn thn mnh.
3.3 Kin ngh i vi ngn hng CSXH huyn Vit Yn
- Hon thin b my t chc tn dng t ngn hng
huyn n cc tr s giao dch ti cc x trong ton huyn,
SVTT: Dng Th Hng
TC 38 B
62
Lp
Chuyn tt nghip
khai thc ti a trnh nng lc i ng cn b cng nhn

vin. o to cn b hin c v mi mt c bit l chuyn
mn, kt hp ti ch v o to tp trung c i ng cn b
phm cht v nng lc.
Ngn hng CSXH huyn Vit Yn cn tng bc hon thin
c s vt cht, trang thit b hin i to hiu qu cao trong
hot ng kinh doanh, nng cao uy tn ca ngn hng. To
lng tin cho khch hng nht l ti tr s giao dch. c bit l
nhng im giao dch lu ng ti cc x, th trn trong ton
huyn.
- Phi a dng cc hnh thc huy ng vn vo nm 2008,
c bit l ngun vn di hn c vn n nh cho vay
di hn.
- Tuyn truyn qung co vn ng nhn dn m ti
khon ti Ngn hng tng ngun tin gi khng k hn l
ngun c li sut thp v tng thu nhp cho ngn hng thng
qua dch v thanh ton.
SVTT: Dng Th Hng

TC 38 B
63
Lp
Chuyn tt nghip
Phn kt kun
Hot dng tn dng v cht lng tn dung l mt phm vi
kinh t c lin quan cht ch n nhiu phm tr kinh t khc.
Do tnh tng hp v phc tp ca hot ng tn dng
ngn hng c bit l ngn hng CSXH vic nng cao hot
ng tn dng v cht lng tn dng ngn hng t c ch tp
trung bao cp sang c ch th trng trong i kin hin nay
l mt vn cp bch.
Trong giai on u ngn hng CSXH Vit Nam ang
iu chnh tn dng theo hng h dn mc li sut nhm tng
ngun
vn
tn
dng.
gn hng CSXH c ngun vn TW cp song vi nhim v pht

trin nc ta ngn hng CSXH Vit Yn v cc ngn hng khc
gp phn quan trng trong vic cng c v hon thin quy
trnh tn dng cht lng tn dng khng ngng c nng
cao, pht trin kinh t mt cch ng u hn, gim mt
bng li sut gia thnh th v nng thn. Khuyn khch nng,
lm, ng nghip nng cao i sng ca ngi dn tin ti Cng
nghip ho- Hin i ho t nc mt cch nhanh chng v
thnh cng, cho huyn Vit Yn ni ring v c nc ni chung.
Xo i gim ngho l mi quan tm chung ca tt c cc quc
gia trn th gii c bit l mt nc ang pht trin nh Vit
Nam. Trong huyn Vit Yn l mt huyn trung du min
ni c t l h ngho chim (tnh n thi im 01/8/2006)
chim t l 16,93% so vi tng s h ton huyn. Hin nay
hot ng ti tr cho h ngho ni ring v cng cuc xo i
gim ngho nc ta vn cha kt thc. Tn dng h ngho c
coi l mt trong nhng bin php hu hiu ci thin i
sng vt cht v tinh thn cho cc h c hon cnh kh khn.
SVTT: Dng Th Hng
TC 38 B
64
Lp
Chuyn tt nghip
Do vic i su nghin cu nhm pht huy hiu qu ca

bin php ny trong iu kin hin nay nc ta l ht sc cn
thit Vi mc ch trn, ti lm r cc vn c bn
cng nh nhng kt qu t c trong thc t, nhng bt cp
v nguyn nhn gy ra nhng hn ch trong hot ng cho
vay h ngho nc ta ni chung v huyn Vit Yn ni ring.
Bn cnh ti xut h thng cc gii php nhm
nng cao cht lng tn dng i vi h ngho ng thi cng
a ra mt s kin ngh vi Chnh ph, ngn hng CSXH Vit
Nam, cc t chc on th x hi v vic h tr v c quan
im ng n trong vn cho vay h ngho, t thc
hin hiu qu cng tc xo i gim ngho huyn Vit Yn.
Tuy nhin, do hn ch v thi gian, t liu, phm vi kin thc nn
ti nghin cu khoa hc ny khng trnh khi nhng thiu
st, hn ch. Em rt mong nhn c s gp ca cc thy c
gio hon thin v nng cao kin thc ca bn thn v
lnh vc ny!
SVTT: Dng Th Hng

TC 38 B
65
Lp
Chuyn tt nghip
Ti Liu Tham Kho

1- H Thng Nghip V Ngn Hng CSXH Vit Nam.
2- Lut Ngn hng Nh Nc.
3- Lut cc t chc Tn dng.
4- Tp ch Ngn hng.
5- Bo co Kt qu hot ng kinh doanh ca Ngn hng CSXH
Vit Yn nm 2006, 2007.
6- Bi ging ca thy, c gio trong khoa Ti chnh- Ngn
hng
7- Thi bo kinh t
8- Thi bo Ngn hng.
9- Cc ti liu do phng K hoch- Nghip v cung cp
10- Ti liu khc
SVTT: Dng Th Hng

TC 38 B
66
Lp
Chuyn tt nghip
Mc lc
Chng I.......................................................................................................................................1
Nhng vn l lun c bn v hot ng Tn dng trong nn kinh t th trng............1
1. Nhng vn c bn v hot ng tn dng................................................................1
1.1. S hnh thnh v pht trin ca tn dng.................................................................1
1.2.Tn dng ngn hng ..................................................................................................2
1.2.1 Khi nim .................................................................2

1.2.2. Qu trnh hot ng ca tn dng..........................3
1.2.3 ngha ca vic thit lp quy trnh tn dng ngn
hng..................................................................................5
1.2.4. Vai tr v chc nng ca tn dng ngn hng........6
2. Cc hnh thc cho vay ca ngn hng..............................................................................7
2.1. Cn c vo mc ch ................................................................................................7
2.2 Cn c vo thi hn cho vay..........................................................................................8
2.3 Cn c vo mc tn nhim i vi khch hng....................................................8
2.4 Cn c vo phng thc hon tr...................................................................................9
2.5 Cn c vo xut x tn dng.......................................................................................9
3. Nhng nhn t nh hng n hot ng tn dng .......................................................10
4. Vai tr ca hot ng cho vay i vi ngn hng v i vi i tng cho vay ............14
CHNG II.................................................................................................................................17
Thc trng hot ng Tn dng ca ngn hng ....................................................................17
chnh sch x hi huyn vit yn ...........................................................................................17
1. Vi nt v chi nhnh ngn hng chnh sch x hi huyn vit yn.............................17
1.1 Lch s hnh thnh v pht trin ca NHCSXH huyn Vit Yn..........................17
1.2. C cu t chc b my ca ngn hng CSXH huyn Vit Yn
...................20
1.3 Tnh hnh hot ng ca ngn hng CSXH huyn Vit Yn................................20
2. Thc trng hot ng tn dng ti ngn hng CSXH Vit Yn ....................................26
2.1 Khi qut v cng tc tn dng ti ngn hng CSXH huyn Vit Yn...................26
2.2 Thc trng hot ng tn dng ti ngn hng CSXH huyn Vit Yn trong ba nm
(2005, 2006, 2007) ...........................................................................................................29
2.2.1 Hot ng huy ng vn.........................................................................................29
2.3 Kt qu hot ng nm 2007 ....................................................................................41
2.3.1 Kt qu hot ng nm 2007.................................41

2.3.2. Hn ch.................................................................44
3. Phng hng nhim v hot ng nm 2008.....................................................................47
3.1 Phng hng nhim v.................................................................................................47
3.2 nh gi cht lng tn dng ca ngn hng CSXH Vit Yn.....................................49
nh gi cht lng tn dng ti ngn hng CSXH huyn Vit Yn ta nh gi qua
s d n qu hn theo a bn ton huyn th hin qua bng 6......................................49
Bng 6 Tnh hnh n qu hn ti ngn hng....................................................................49
(n v tnh: Triu ng)..............................................................................................49
Tn n v........................................................................................................................49
Nm 2005..........................................................................................................................49
Nm 2006..........................................................................................................................49
Nm 2007..........................................................................................................................49
Nm 2006/2005.................................................................................................................49
SVTT: Dng Th Hng

TC 38 B
67
Lp
Chuyn tt nghip
Nm 2007/2006.................................................................................................................49
S tin...............................................................................................................................49
T l (%)........................................................................................................................49
S tin...............................................................................................................................49
T l (%)..........................................................................................................................49
Bch ng.........................................................................................................................49
3.........................................................................................................................................49
0.........................................................................................................................................49
0.........................................................................................................................................49
-3.......................................................................................................................................49
-100...................................................................................................................................49
0.........................................................................................................................................49
0.........................................................................................................................................49
Hng Mai..........................................................................................................................49
59.......................................................................................................................................49
147.....................................................................................................................................49
134.....................................................................................................................................49
88.......................................................................................................................................49
140,9..................................................................................................................................49
-13.....................................................................................................................................49
-8,01..................................................................................................................................49
Minh c...........................................................................................................................49
56.......................................................................................................................................49
65.......................................................................................................................................49
108.....................................................................................................................................49
9.........................................................................................................................................49
10,6....................................................................................................................................49
43.......................................................................................................................................49
60,6....................................................................................................................................49
Trung Sn.........................................................................................................................49
114.....................................................................................................................................49
53.......................................................................................................................................49
75.......................................................................................................................................49
-61.....................................................................................................................................49
-50,3..................................................................................................................................49
22.......................................................................................................................................49
40,1....................................................................................................................................49
TT Nnh...........................................................................................................................50
28.......................................................................................................................................50
37.......................................................................................................................................50
15.......................................................................................................................................50
9.........................................................................................................................................50
30,2....................................................................................................................................50
-22.....................................................................................................................................50
-50,9..................................................................................................................................50
Ngha Trung....................................................................................................................50
27.......................................................................................................................................50
50.......................................................................................................................................50
67.......................................................................................................................................50
23.......................................................................................................................................50
80,5....................................................................................................................................50
17.......................................................................................................................................50
SVTT: Dng Th Hng

TC 38 B
68
Lp
Chuyn tt nghip
30,4....................................................................................................................................50
Tng Tin.........................................................................................................................50
208.....................................................................................................................................50
173.....................................................................................................................................50
176.....................................................................................................................................50
35.......................................................................................................................................50
10,6....................................................................................................................................50
3.........................................................................................................................................50
1,07....................................................................................................................................50
Vit Tin.........................................................................................................................50
3.........................................................................................................................................50
29.......................................................................................................................................50
20.......................................................................................................................................50
26.......................................................................................................................................50
860,6..................................................................................................................................50
-9.......................................................................................................................................50
- 40,1.................................................................................................................................50
Hong Ninh......................................................................................................................50
3.........................................................................................................................................50
27.......................................................................................................................................50
28.......................................................................................................................................50
24.......................................................................................................................................50
800.....................................................................................................................................50
1.........................................................................................................................................50
3,07....................................................................................................................................50
Quang Chu.....................................................................................................................50
49.......................................................................................................................................50
24.......................................................................................................................................50
16.......................................................................................................................................50
-25.....................................................................................................................................50
-50,1..................................................................................................................................50
-8.......................................................................................................................................50
-30,3..................................................................................................................................50
Vn Trung........................................................................................................................50
56.......................................................................................................................................50
16.......................................................................................................................................50
18.......................................................................................................................................50
-40.....................................................................................................................................50
-70,1..................................................................................................................................50
2.........................................................................................................................................50
10,2....................................................................................................................................50
Tin Sn.............................................................................................................................50
32.......................................................................................................................................50
24.......................................................................................................................................50
21.......................................................................................................................................50
-8.......................................................................................................................................50
-20,5..................................................................................................................................50
-3.......................................................................................................................................50
-10,2..................................................................................................................................50
Hng Thi..........................................................................................................................50
13.......................................................................................................................................50
19.......................................................................................................................................50
SVTT: Dng Th Hng

TC 38 B
69
Lp
Chuyn tt nghip
22.......................................................................................................................................50
6.........................................................................................................................................50
40,6....................................................................................................................................50
3.........................................................................................................................................50
10,5....................................................................................................................................50
Qung Minh......................................................................................................................50
31.......................................................................................................................................50
24.......................................................................................................................................50
15.......................................................................................................................................50
-7.......................................................................................................................................50
-20,2..................................................................................................................................50
-9.......................................................................................................................................50
-30,5..................................................................................................................................50
Ninh Sn...........................................................................................................................50
22.......................................................................................................................................50
3.........................................................................................................................................50
0.........................................................................................................................................50
-19.....................................................................................................................................50
-80,6..................................................................................................................................50
-3.......................................................................................................................................50
-100...................................................................................................................................50
Thng Lan..........................................................................................................................50
6.........................................................................................................................................50
92.......................................................................................................................................50
66.......................................................................................................................................50
86.......................................................................................................................................50
1.430,3...............................................................................................................................50
-26.....................................................................................................................................50
-20,8..................................................................................................................................50
T Ln................................................................................................................................50
14.......................................................................................................................................50
20.......................................................................................................................................50
12.......................................................................................................................................50
6.........................................................................................................................................50
40,2....................................................................................................................................50
-8.......................................................................................................................................50
40.......................................................................................................................................50
Bch Sn..........................................................................................................................50
6.........................................................................................................................................50
0.........................................................................................................................................50
8.........................................................................................................................................50
-6.......................................................................................................................................50
-100...................................................................................................................................50
8.........................................................................................................................................50
0.........................................................................................................................................50
Vn H.............................................................................................................................50
41.......................................................................................................................................50
40.......................................................................................................................................50
152.....................................................................................................................................50
-1.......................................................................................................................................50
-2,04..................................................................................................................................50
112.....................................................................................................................................50
SVTT: Dng Th Hng

TC 38 B
70
Lp
Chuyn tt nghip
280.....................................................................................................................................50
Tng..................................................................................................................................50
771.....................................................................................................................................50
843.....................................................................................................................................50
943.....................................................................................................................................50
( S liu t bo co kt qu hot ng tn dng ).................................................50
Qua bng s liu v tnh hnh n qu hn cho ta thy. D n qu hn theo a bn trong
ton huyn c s bin ng tng dn qua cc nm. Nm 2005 n qu hn ton huyn l
771 triu ng n 31/12/2006 d n qu hn tng thm 72 triu ng ln thnh 843
triu ng. Sang n nm 2007 tng n chuyn qu hn l 943 triu ng. Nguyn
nhn t l n qu hn tng dn qua cc nm l do n qu hn tng cao ti cc x..............50
- X Vn H c t l n qu hn tng cao nht trong ton huyn. Nm 2005 ton x ch
c 41 triu ng n nm 2006 gim 1 triu ng t l gim l khng ng k ch
t 2,04%. 31/12/2007 mc d n qu hn ca x Vn H ln n 152 triu ng
tng 112 triu ng tng ng vi mc tng l 208%. y l nguyn nhn ch yu lm
cho tng d n qu hn trng ton huyn tng dn qua cc nm..........................................50
- X Tng Tin, x Vn H v x Hng Mai l ba x c tng d n qu hn cao nht.
Nguyn nhn cc x ny c s d n qu hn ln nh vy l do a bn cc x rng. Nh Hng Mai vi s dn ng c t l h ngho cao, sn xut gp dch bnh cng vi do
nh hng ca thi tit. Do khi n hn h vay vn cha c tin tr cho ngn hng.
Nm 2006 tng n qu hn ca x Hng Mai l 174 triu ng tng 88 triu ng sso
vi nm 2005 , t l tng l 140,9%. Nm 2007 c gim 13 triu ng so vi nm 2006
nhng t l gim ch c 8,01%.........................................................................................51
- Bn cnh nhng x c tng d n qu hn ln th cng c nhng x khng n qu hn
in hnh l Bch ng trong hai nm 2006 v 2007 Bch ng khng c n qu hn
v x Quang Chu, Ninh Sn hon thnh 100% tr n khi n hn v vy khng c n
qu hn...............................................................................................................................51
Tuy doanh s n qu hn c tng dn qua cc nm do mt s x c s d n ln. Nhng xt
ton huyn th Vit Yn ang tng bc nang cao cht lng tn dng th hin qua s
n qu hn gim thm ch khng c n qu hn cc x: Bch ng, Ninh Sn, Quang
Chu. ...........................................................................................................................51
Chng III...................................................................................................................................56
Mt s gii php, kin ngh nhm nng cao hot ng Tn dng, cht lng Tn dng ti
Ngn hng Chnh sch x hi huyn Vit Yn.....................................................................56
1. nh hng v pht trin hot ng ca Ngn hng Chnh sch x hi huyn Vit Yn
...............................................................................................................................................56
2. Gii php nng cao hot ng tn dng v Cht lng tn dng ti ngn hng CSXH
hun Vit Yn......................................................................................................................59
3. Kin ngh.........................................................................................................................60
3.1 Kin ngh vi nh nc................................................................................................61
3.2 Kin ngh i vi ngn hng Nh nc .................................................................61
3.3 Kin ngh i vi ngn hng CSXH huyn Vit Yn............................................62
Phn kt kun.........................................................................................................................64
Ti Liu Tham Kho...............................................................................................................66
SVTT: Dng Th Hng

TC 38 B
71
Lp
Chuyn tt nghip
Nhn xt ca c quan thc tp
...................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
................................................................
Vit Yn, ngy. thng.nm 2008
Gim c Ngn hng CSXH.
SVTT: Dng Th Hng

TC 38 B
72
Lp
Chuyn tt nghip
Nhn xt ca gio vin hng dn
...................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
.....................................................................................................
..........................................................................
SVTT: Dng Th Hng

TC 38 B
73
Lp
Chuyn tt nghip
SVTT: Dng Th Hng

TC 38 B
74
Lp

tai liệu chuyên đề tín dựng ngân hàng

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

tai liệu chuyên đề tín dựng ngân hàng

Uploaded by

Copyright:

Available Formats

Chuyn tt nghip

Khoa: Ti chnh- Ngn hng

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

thng qua Ngn hng. V nh vy tn dng l cu ni gia ngi

Khoa: Ti chnh- Ngn hng

nh, m cn u t i mi k thut, gii quyt vic

Khoa: Ti chnh- Ngn hng

+Giai on 2: Trong khi cp tn dng.

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

y l bc quan trng th hin hng lot cc nghip v v tr

Khoa: Ti chnh- Ngn hng

1.2.4. Vai tr v chc nng ca tn dng ngn hng

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

- Chnh sch tn dng l cc nguyn tc c bn chi phi s

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

Khoa: Ti chnh- Ngn hng

- Cho vay c bo m: l loi cho vay da trn c s cc

Khoa: Ti chnh- Ngn hng

3. Nhng nhn t nh hng n hot ng tn dng

Khoa: Ti chnh- Ngn hng

nn kinh t t km pht trin sang mt nn kinh t vn minh,

Khoa: Ti chnh- Ngn hng

Khch hng ca Ngn hng CSXH l cc i tng thuc h

Khoa: Ti chnh- Ngn hng

ngn hng theo di, qun l st sao cc khon cho vay, cc

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

chuyn mn s gip cho ngn hng trnh c nhng sai phm

Khoa: Ti chnh- Ngn hng

bn i vay c trch nhin hon tr v iu kin vn gc v li

Khoa: Ti chnh- Ngn hng

ch quan (khi nim, qun l, trnh cn b ) v cc nhn

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

Khoa: Ti chnh- Ngn hng

i tng chnh sch khc trn a bn huyn. Ngn hng

thnh lp, c hnh thnh t Qu tn dng ngi ngho huyn

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

Khch hng ca ngn hng CSXH phn ln l nhng h gia

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng

1.2. C cu t chc b my ca ngn hng CSXH huyn

* Ban gim c: c nhim v iu hnh ton b hot

Khoa: Ti chnh- Ngn hng

- Cng tc k ton Thanh ton Tin hc

v m bo hch ton ng, , chuyn tin

nhanh chnh xc. n nay 100% cn b k ton ng dng tt

Khoa: Ti chnh- Ngn hng

*( Thu- Chi): 366 triu ng

Khoa: Ti chnh- Ngn hng

b cn kim tra h s vay vn i chiu trc tip vi khch

Khoa: Ti chnh- Ngn hng

hin tt cc vn bn ca Chnh ph, ca UBND Ban i din

Khoa: Ti chnh- Ngn hng

Hong Vn Giao lm t trng T TK&VV thn u x T Ln do

Khoa: Ti chnh- Ngn hng

i chiu n. n 31/12/2006 ton b t TK&VV c kin

SVTT: Dng Th Hng

Khoa: Ti chnh- Ngn hng