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L/O/G/O
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NI DUNG
C1
c2
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Chng I: C s l lun
1. Khi nim ti chnh vi m 2. i tng ca ti chnh vi m 3. Hnh thc v ni dung hot ng ca TCVM
Tm hiu v TCVM
NI DUNG
1. Trn th gii 2. Vit Nam 3. Mt s m hnh ti chnh vi m trn th gii, kinh nghim cho Vit Nam
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TC NG QUA LI
TI CHNH VI M
AN SINH X HI
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TCVM l vic cp cho cc h gia nh rt ngho cc khon vay rt nh (gi l tn dng vi m), nhm mc ch gip h tham gia vo cc hot ng sn xut, hoc khi to cc hot ng kinh doanh nh
Cho vay
Ti chnh vi m
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Tn dng vi m
T chc ti chnh vi m
Doanh thu 2.5 triu $
T chc ti chnh vi m (microfinance institutions - MFI) l t chc cung cp dch v ti chnh cho nhng ngi c thu nhp thp.
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i tng ca TCVM
Ngi ngho,ngi dn tc thiu s Ph n ngho
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cho vay c th
cho vay gin tip theo nhm tng h qua trung gian th ba
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c im ca TCVM Ti chnh vi m phi tnh li sut cao C ch trch nhim lin i p dng gia nhng ngi vay Cc khon vay tun hon
Vai tr ca TCVM Gip nhng h ngho vn ln trong cuc sng v t bo v trc nhng ri ro. Ci thin i sng ca cc h c thu nhp thp Pht trin kh nng kinh doanh ca ngi ngho Gp phn bnh ng gii
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TH GiI
c
Chu , u, M Bangladesh
1860
F.W. Raiffeisen dv ti chnh vi m u tin
1872
F.W. Raiffeisen Hi Lin hip cp quc gia
1983
Muhammad Yunus M hnh ngn hng Grameen
Hin nay,ngn hng Grameen -58,9 triu khch hng -chi ra hn $5.4 t -t l thu li l 98%
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Vit Nam
M rng nhanh Giai on khi u
Trc 1980 1990 2000 2000 n nay
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NH Grameen
-Thnh lp 1976 -1983 tr thnh NH chnh thng 94% vn l ca khch hng 6% s hu ca nh nc -Phc v ph n nng thn, khng c rung t, - D n Dungganon Philippines, TYM, Vit B
Ngn hng Lng TC tr gip cng ng quc t (FINCA) pht trin vo gia thp k 80 TC pht trin H Lan Tm nhn th gii (WVI)
Nhm on kt
c ACCION International ti Chu M Latinh pht trin BancoSol Bolivia,Vit Nam :ADRA
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1 4
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Bi hc kinh nghim
Xc nh SP cho th trng da trn phn tch tnh hnh kinh t, chnh tr - x hi trong nc.
Nguyn tc tun t
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An sinh X hi
chng li s cng qun v kinh t v x hi dn n s chm dt hay gim st ng k v thu nhp do:
S bo v
Bng cc bin php cng cng
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TCVM ASXH
Ngi ngho c c hi tip cn cc DV TC cn thit Tng tnh hiu qu h kt trong h g ngho phc li x hi
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1. Nghin cu thc trng v hot ng ti chnh vi m Vit Nam v tnh hnh an sinh XH Vng nng thn VN
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29 6
Tc tng dn s n nh
1%
2
m bo cng n, vic lm, c thu nhp, tng t l lao ng qua o to v o to ngh, gim t l tht nghip
75
3
H tr nhng nhm yu th trong x hi v trong th trng lao ng
Lao ng qua o to
> 70%
4
Phn phi li theo chiu dc v theo chiu ngang, gp phn thc hin cng bng x hi
1-2%
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Gim chnh lch v khong cch thu nhp v iu kin sng gia cc nhm dn c, gia cc vng min
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Text
Tr gip cu tr XH vi cc hnh thc hot ng tng thn, tng i, v H t thin a dng Pht trin hi ha, bn vng cc vng xy dng th v nng thn mi
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H ngho
%
2002:29% 2010 :10%
Triu
%
2000: 13,4 2010: 62
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Cc chnh sch
Cc chnh sch u i i vi ngi c cng:
Mc tr cp u i nm 2009 tng 2,1 ln so vi nm 2006 Chnh sch u i thng xuyn cho hn 1,4 triu ngi c cng sng bng hoc cao hn mc trung bnh
Chnh sch tr gip x hi Kinh ph 113 t ng cho hn 180 nghn ngi ( 2001) 4.500 t ng cho hn 1,6 triu ngi (2010) Tr cp t xut hng nghn t ng Hng chc nghn tn lng thc khc phc thin tai Cc phong tro tng thn tng i, n n p ngha, ung nc nh ngun cho ngi ngho
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4.C ch hot ng v m hnh ca cc t chc TCVM Vit Nam Cc t chc TCVM Vit Nam
Chnh thc
Agribank NH chnh sch XH Qy tn dng nhn dn T chc TCVM Tnh Thng Mng li ti chnh vi m c tn gi M7
Bn chnh thc
Chng trnh c hot ng TCVM do cc t chc quc t
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C ch hot ng
Khu vc ti chnh chnh thc
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i tngkhch hng
H ngho v h i
Cc Qu tn dng nhn dn
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S KH tng thm 9 tr kh so vi ban u D n cho vay tng t 2,5 triu/h (2002)- 13 trd/h (2011) Gip gn 2,5 tr h thot khi ngng ngho thu ht c gn 2,5 tr lao ng c vic lm mi
NHCSXH Kt qu t c
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3,1 triu cng trnh nc sch v v sinh cho nng thn gn 400 nghn cn nh cho h ngho v h chnh sch
NHCSXH-Tn ti
C ch ly vay trung hn l ch yu v mc vn ln
-Nhiu h ngho cha c tip cn vi NHCS - lt mt b phn i tng khng ngho lm mt i mt ngun ngn sch vn chu nhiu sc p www.themegallery.com
Ngn hng Nng nghip v Pht trin nng thn Vit Nam
L Ngn hng thng mi ln nht, gi vai tr ch o, tr ct i vi nn kinh t t nc, c bit i vi nng nghip, nng dn, nng thn Agribank m nhn vai tr Ch tch Hip hi Tn dng Nng nghip Nng thn chu - Thi Bnh Dng (APRACA) nhim ky 2008 - 2010.
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tng ti sn 524.000 t ng
vn t c 22.176 t ng
tng d n 414.464 t ng i ng cn b nhn vin 37.500 ngi hn 2.300 chi nhnh v phng giao dch quan h i l vi 1.065 ngn hng ti 97 quc gia trn 13 triu khch hng tin tng la chn
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c im hot ng
Cho vay Tam nng lun chim 70% tng d n ton h thng Tng d n cho lnh vc nng nghip, nng thn t khong 293 ngn t ng
Nhc im:
S tn dng vi m do ngn hng ny cung cp tng i gii hn
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Qy TDNDTW
2010
1050 QTDND c s
1
2 3 4
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Qy tn dng NDTW
U IM
NHC IM
L m hnh theo lut hp tc x thnh cng nht c nh gi cao v kh nng tip cn KH v tin ch ca DV
Text
B gii hn phm vi hot ng trong cp x B hp trong phm vi cung cp cc DV TC cho cc thnh vin ca qu Phng php tip cn c ti sn bo m ca QuTDND cng cha phi l hp dn vi ngi ngho
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(TYM)
Hot ng ni bt
17 chi nhnh
Cung cp cc dch v TCVM cho nhng ph n sng ngho vi HIV/AIDS Cung cp vn vay vi mc li sut u i v o to nng cao kin thc cho ph n dn tc thiu s min ni khi s kinh doanh
TYM kt qu t c
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Thun li cho khch hng trong vic gi tit kim 2 3 Gip cho gn 5.000 hi vin ph n ngho c tip cn vi ngun vn
Mng li M7
Bao gm 7 t chc Mc ch hot ng l cung cp cc dch v TCVM cho ngi ngho, cng ng ngho, ch yu l ph n Ngy 1/3/2012, tr thnh t chc TCVM chnh thc
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Nhc im ca NGOs
Mc tiu ngn hn 1
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c thit lp bi Lin on Lao ng TP H Ch Minh(11/1991) Mc ch gip nhng ngi ngho - a s l ph n - to vic lm cho chnh h v lm gim bt s ngi tht nghip
26 chi nhnh 371 nhn vin
QU TR GIP VN CHO NGI NGHO 207.954 s d tit kim TO VIC LM (CEP) khch hng t 17.896.112 CEP
USD
(12/2011)
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Mt s hot ng ca CEP
2011,cung cp 2 sn phm tn dng cho thnh vin gm hon tr hng tun v hng thng Cung cp cho thnh vin vn u t vo cng vic lm n nh, gip h c ngun thu nhp n nh Cung cp thm 2 sn phm vay: ci thin nh v pht trin h sn xut nh
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FWP
Mc tiu Ci thin v th ti chnh ca ph n, c bit l ph n ngho Cung cp dch v ti chnh bn vng ti nhng h gia nh ngho C ch cho vay
Thi hn khon vay ko di t 3 n 24 thng, tr hng thng Sn phm vn vay 6 thng: ph hp vi khch hng c nhu cu vay vn nh Sn phm vn vay trn 12 thng: KH qui m ln hn vn vay dao ng t 500,000 VND (khong $30) cho n 6,000,000
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Cc nhm tit kim v tn dng gm 5 n 20 tv, c thit lp trn c s t nguyn Tv c th ng gp bng tin mt t 50.000 ng n 1.000.000 ng . H/hi
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Cho vay t nhn Cho vay thng qua cc hiu cm Hnh thc cho vay ca cc tiu thng, cc nh cung cp vt t, cc i l tip th a phng Ngi cho vay li
nh gi chung
Thun li
-CP nhn thc c vai tr ca TCVM v c rt nhiu h tr N 28&165 v thng t s 02/2008 -s h tr t cc t chc on th v cc NGO
Thiu cc quy nh v TCVM r rng TC TCVM bn chnh thc vn cha c th ch ha , qun l bi NHNN Kh nng tip cn cc ngun vn vay cn hn ch, cc ct tcvm cn nh l Thiu kin thc , thiu nhn lc
Kh khn
Thch thc
Tnh hnh kinh t khng n nh
Cc nh ti tr a ra cc chun mc u tin cp vn
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Chng III: Mt s gii php nhm nng cao hiu qu hot ng ca TCVM hin nay
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1.i vi chnh ph
Mt trong bn mc tiu quan trng ca pht trin nng thn trong thi gian 5 nm ti l ci thin mc sng v iu kin sng ca dn c nng thn, c bit l ngi ngho thng qua tng cng vai tr ca ngi dn
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Chin lc
tng kh nng tip cn n cc dch v ti chnh nng thn h tr cho cc h gia nh n nh thu nhp ca h bng tit kim, bo him cy trng vt nui, bnh n gi
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CP nn c nhng chnh sch khuyn khch To ra mt th trng cnh tranh cng bng, minh bch cho cc TCTCVM
Xy dng h thng gim st kim tra cho hot ng TCVM Tp trung u t trng im vo nhng khu vc thc s kh khn
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Mt ngnh TCVM bn vng v hiu qu cn phi c mt mi trng chnh sch thc thi. T s to ra mi trng thun li TCVM pht trin ng gp vo s pht trin bn vng ca t nc
Gip cn bng li ch gia cc bn Hot ng trn nguyn tc th trng p ng yu cu hi nhp S to iu kin, to sn chi cng bng cho cc TCTCNT pht trin.
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KINH NGHIM T NHIU NC: Vai tr ca CP l to mi trng thun li cho TCVM pht trin ch khng phi l trc tip tham gia vo cng tc qun l cc khon vay ny
HIN NAY KHNG C CHNH SCH HAY CHIN LC TON DIN NO RA TM NHN V NH HNG PHT TRIN CHO NGNH TCVM TRONG 10 NM TI.
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CP NN
+ Xy dng mt chnh sch hoc chin lc ton din cho s pht trin ca ngnh TCVM, c s ng thun ca cc bn lin quan + Xc nh c cc nhim v c th v cc mc quan trng cn t
Xy dng cc th ch cn thit
ng h vic ci cch hng v ngi ngho H tr cc tc nhn x hi Xy dng nng lc cho ngun nhn lc.
L c s xy dng h thng chnh sch, chin lc pht trin cho nhnh TCVM.
Yu t x hi (bao gm c quyn s hu t ai), c s h tng Chnh tr Kinh t (bao gm sn phm, dch v v th trng vn).
Cho php chng trnh c th p ng c cc vn a phng - nhng vn c tc ng n kh nng gip nhng ngi cn n chng trnh, c bit l nhng ngi rt ngho, v gip h thot khi cnh ngho.
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1
Tng cng u t pht trin hot ng nghin cu v trin khai (R&D)
4
5
o to nhn lc c chuyn mn v TCNH qun l ti chnh, chuyn nghip ha Nng cao kh nng qun l cn b vn v iu hnh t chc Ti u ha vic s dng thng tin , qun l ri ro M rng cc hot ng qung b sn phm tn dng
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Cc TCTCVM CN
Pht trin h thng dv TC a dng, a tin ch Nng cao cht lng v hiu qu cc DV ti chnh truyn thng Tip cn nhanh cc DV TCNH hin i c hm lng cng ngh cao Nng cao nng lc cnh tranh ca cc DV TC theo nguyn tc th trng, minh bch, chng c quyn
CN( tip)
Pht trin cc sn phm, DV TC bn vng, nht l cc hnh thc tit kim Tng mc hot ng: s lng KH v lng tin cho vay Qun l cc chi ph giao dch Tng thu nhp t cc khon vay ,tng danh mc u t Trin khai cc hot ng pht trin cng ng
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i vi c t chc TCVM khng c tha nhn theo hai ngh nh Tp hp cc ngun vn li Xin kin ng thun t cc nh ti tr Hon thin chnh sch vn cp huyn C t nht 1 cn b chuyn trch cho TCVM ti a bn.
Cn thit
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phng nga ri ro Thu thp thng tin thng xuyn v kh tim nng Thng tin v cc yu t mi trng kinh t, ct u t pht trin h thng thng tin lin lc ti cc c s chi nhnh
Tng cng kim tra kim sot ni b nhm: Phng nga ri ro Nhn din ri ro Phn tn ri ro
L/O/G/O
Thank You!
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