BQ CIAO D1JC DAO TAO
MIXING D6I HQC THANG LONG
—o0o--
KH6A LIJAN TOT NGHIEP
DE TA :
GIAI PHAP Mei RANG HOST HANG CHO VAY DOI
Veil HQ SAN XUAT TAI NGAN HANG NONG NGHIEP
VA PHAT TRIEN NONG THON VIET NAM - CHI
NHANH HUYtN HOAI nit
Ciao vien twang cain
: Ths. Le Thi Ha Thu
Sinh vien thvc hien
: Nguyen Tien Long
Ma sinh vie!'
: A17384
Chuyen nganh
: Nein Hang
am Hoc THANaatmo
THU vigN
miser.
HA NOI — 2015
MV C L VC
CHUCING 1. CO SO Lt LUSN VE CHO VAY HQ SAN XUAT CiJA NGAN
HANG THIYONG MSI
1.1. Hoist dung cho vay doi vii hi) sin :Sit cis ngin hang thurcrng mai
1
1
1.1.1. Khai niem, dc5c dram cries ha san xuat
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1.1.2. Khizi niem cho vay ha san xuat
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1.1.1 Ciic hinh that cho vay del vai ha san xuat
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1.1.4. Vai tro caa hoot tong cho vay dal vai ho san xuat
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1.2. Mir rung host dung cho vay doi vii h0 sin auk tpi ngin hing timing mpi
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1.2.1. Khcii nigm ve ma rang hoot clang cho vay doi vai ha san xuat
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1.2.2. Su can thth phizi ma rang hoot dang cho vay did vai ho san xuat
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1.2.3. Ccic chi lieu dcinh gib khci ndng ma rang hoot Bang cho vay dal viri ha san
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xuat czia ngcin hang thuang mid
1.3. Cic nhfin t6 inh hiring den khi thing mi ring host dOng cho vay doi vol
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h0 sin nit cia ngin hing thwang mpi
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1.3.1. Nhan to chzi quan
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1.3.2. NM-mg nhcin to khcich quan
CHU'ONG 2. THI/C TRSNG HOST BONG 010 VAY DOI Veil HQ SAN XUAT
TAI NGAN HANG NONG NG111$P Vi PHAT MIEN NoNG THoN VieT NAM
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— CHI NHANH HUY$N HOAI EltiC
2.1. Tong quan vi Ngin hing Nang Nghiep vi Phit Train Nang than Viet
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Nam — chi nhinh huyen Hole Bic
2.1.1. Vizi net ve Nem hang Nang Nghiep viz Phat Tribe Nang thon Viet Nam18
2.1.2. Qua trinh hinh thimh viz phat van ctia Ngdn hang Nang Nghiep Va Ph&
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Tribe Nang thon Viet Nam — chi nhinh huyen Hoai Brie
2.2. Ca ciu to chic cis cis Nein hing Nang Nghifp Vi Phit Triin N8ng
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than — chi nhinh huytn Hoii Bic
chinh ace cues Ngdn hang Nang nghiep viz Phat :ran Nang
2.2.1. Ccic hoot d Ong
'
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than — chi nhanh huyen Hoai Dar
2.3. Kit qui hoot dOng kinh doanh cis Ngin hing Nang nghitp Vi Phit
Trait Nang than — Chi nhinh buyers Hoii Day giai dopn 2012 - 2014.25
Thang Long University Library
2.3.1. Tinh hinh huy tang van
25
2.4. Quy djnh chung ye host dung cho vay h0 sin suit tsi Ngin hing Nang
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nghilp vi Phit triin Nang than Vitt Nam - chi nhinh Hoii Dec
37
2.4.1. Doi tugng cho vay
2.4.2. Dieu kien cho vay
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2.4.3. Quy trinh cho vay &if viri ha san rub
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2.4.4. Thai hgn va lai suit cho vay clai vol ha san nit
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2.4.5. Tai san dam bcio trong hogs clang cho vay dal vai ha san xuat
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2.4.6. Ccic hinh thtic cho vay ha san ma mkt Ngcin hang Nang nghiep viz Pk&
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wan Nang th6n Viet Nam - chi nhanh Huyen Hoai Dzic
2.5. nip tiling host dung cho vay dii vol hu sin suit tsi Ngin hing Nang
nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huyfn Hai Dec.
41
2.5.1. Doanh so cho vay dai viri ha san xuiit tgi Ngan hang Nang nghiep va Phat
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Dien Nang than Viet Nam - chi nhcinh Huyen Hold Deis
2.5.2. Tinh hinh du nq cho vay dai voti ha san xuat tgi Ngcin hang Nang nghiep
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va Phat triin Nang them Viet Nam - chi nhanh Huyen Hoai Dar
2.5.3. Tinh hinh thu nq cho vay dai yeti ha san ruck
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2.6. Tim trsng host dOng m8 rung cho vay dui v6i h0 sin suit cila Ngin
hing Nang nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huytn
46
Hoii Dec
2.6.1. Chi lieu djnh tinh
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2.6.2. Chi tieu djnh luring
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2.7. Dinh gii thwc trsng host dung cho vay dei vol hO sin suit cua Ngin Wing
Nang nghiep vi Phit triers Nang than Viet Nam - chi nhinh Huyen Hoki
58
Dec giai dosn 2012 - 2014
2.7.1. Nhang kit guci dgt clugc
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2.7.2. Nhang hgn chi can kluic phyc
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2.7.3. Nguyen nhiin ctia hgn chi
61
CHUONG 3. GIAI PHAP Mti }LONG Haig DOG CHO VAY DOI VOI HQ
SAN XUAT T41 NGAN HANG NoNG NGIIISP VA PRAT MIEN NONG THEN
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- CHI NHANH HUY$N HOAI DIX
3.1. Dinh hueng phit triers host dung cho vay dii vii hi) sin suit cut, Ngin
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!ling Nang nghifp vi Phit triers Nang than Vitt Nam
3.1.1. Dinh Wang czia Ngiin hang Ming nghiep viz Pluit men N6ng thiin Viet
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Nam
3.1.2. Dinh Wong phat trien czia Ngdn hang Along Nghiep va Phat trien Prong
65
th6n - chi nhanh Huyen Hoai Div
3.2. Giii phip mi rung host dung cho vay dai vii he sin milt tai Ngin hang
Nang nghiep vi Phit trien Ning thou Viet Nam - chi nhinh Huyen Hold
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Din
3.2.1. Cal tiin quy trinh va thzi tyc vay vein
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3.2.2. Niing cao trinh do can 66 tin dyng
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3.2.3. MO rung liking Wen hoot Ong, phat huy mong been sewn co
67
3.2.4. X& dyng ki hooch Marketing
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3.2.5. Xiiy dyng chinh scich liii suit phil hop
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3.2.6. Niing cao chit luting hoot tong cho vay ho son xudt
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70
3.3. Met se hien nghi
3.3.1. Kiln nghj vOi Ngiin hatig Prong nghiep va Phdt trien N6ng thon Viet Nam
70
3.3.2. Kiln nghj vai Ngiin hang Nha nude Viet Nam
Thang Long University Library
71
DANH MVC CAC HiNH MINH HQA
Sa do 2.1. Ca cAu t6 chirc dm NFINo&PTNT Viet Nam — chi nhanh Huyen Hoai Dim
22
Bang 2.1. T'mh hinh huy dOng von tai NHNo&PTNT Viet Nam — chi !Math huyen
26
Hoai Dire giai (loan 2012 - 2014
Bang 2.2. Tinh hinh du nq tai NHNo&PTNT Viet Nam — chi nhanh Huyen Hoai Wrc
32
giai down 2012 — 2014
Bang 2.3. Ket qua hoot dOng kinh doanh tai NHNo&PTNT Viet Nam — chi nhanh
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huyen Hoai Due giai Joan 2012 — 2014
Bang 2.4. Tlnh hinh doanh s6 cho vay dei vai he san xuat cfiaNHNo&PTNT Viet Nam
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— chi IMAM huyen Hai Dfrc giai down 2012 - 2014
Bang 2.5. TIM hinh du my cho vay dei yeti he san xuat cda NHNo&PTNT Viet Nam —
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chi nhanh huyen Hai Due giai doen 2012 - 2014
Bang 2.6. Tinh hinh doanh so thu nq cho vay dei yeti hi) san xuat tai NHNo&PINT
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Viet Nam — chi nhanh huyen Hold Dirc giai down 2012 — 2014
Bang 2.7. TS, le he san xuat da vay von tai NHNo&PTNT Viet Nam — chi nhanh huyen
49
Hoii Due giai (loan 2012 - 2014
Bing 2.8. TS, le doanh s6 cho vay trung birth ten met ho san xuat dm NHNo&PTNT
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Viet Nam — chi nhanh huyen Holi Dire giai clop 2012 - 2014
Bang 2.9. He se thu my cho vay dei WA he san xuat titi NHNo&PTNT Viet Nam — chi
51
nhanh huyen Hoai Dirc giai (loon 2012 - 2014
Bang 2.10. TS, le my qua han vit my xAu trong hoot dOng cho vay dei veri hi) san xuat
cim NHNo&PTNT Viet Nam- chi nhanh huyen Hog Mc giai down 2012 — 2014.52
Bang 2.11. TS, le trich lop du phang rei ro cho vay dei yen he san xuat dm
NHNo&PTNT Viet Nam — chi nhanh Huyen Horli Dim giai (lop 2012 — 2014 53
Bang 2.12. He se !dui niing bit dip rai ro cho vay dei voi he san xuat da xi: 1S , dm
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NHNo&PTNT Viet Nam — chi nhanh huyen Holi Due giai down 2012 — 2014
Bang 2.13. Chi tieu yang quay von cho vay he san milt curt NHNo&PTNT Viet Nam
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— chi !Minh Huyen Hold Dirc giai (loan 2012 — 2014
Bang 2.14. Lqi nhuen tir hot dOng cho vay &Si yeti he san xuat cira NHNo&PTNT
57
Viet Nam — chi nhanh Huyen Hold Dirc giai doer! 2012 — 2014
DANH MVC DANH MVC Tit WET TAT
NHTM
Ngin hang thuong mai
TMCP
Thuong mai CO Olin
CVHSX
Cho vay he sin xuit
NHNN
Ngin hang Nha mac
TCTD
TA chirc tin dung
NHNo&PTNT
Ngen hang N8ng nghiep
vat Phil thin Nong then
UBND
Oy ban nhan din
HDQT
Wei clang quitn tri
TSDB
Ili sin diun bao
VND
Viet Nam dong
USD
De la Mg
DSCVHSX
Doanh sA cho vay he sin xuit
NHTV
Nem hang thinh vier
Thang Long University Library
Ltil CAM DOAN
Toi xin cam doan bai khea luOn "Gal phip mar rang hoot Jiang cho vay dai
vii ha sin atilt tai Nein hang Nang nghifp va Phit trien Nang than Viet Nam —
chi nhinh huyen Hoii Dtic" la ding birth nghien ciru cia ban than, duqc die ket tir
qua trinh hoc top va nghien ciru thoc tien then gian qua, duoi so huang din cua ThS.
Le Thi Ha Thu. So lieu trong kh6a lu$n duqc toi thu thop va tang hop tit nhang nguOn
Jiang tin c4y.
Tic gia Ich6a lucin
Nguyen Tien Long •
Dfil Ma BALI
1. Tinh cep thiet cult di tai
Huyen Hoki Dec la mOt dja phucrng c6 nen kinh to ruing nghiep Wong dot i phat
trien yeti nhieu ling nghe truyen thong, nhieu doanh nghiep vita va nhO host dOng, the
hinh thirc thuang mai va djch vv tuang dei s8i n6i. Trong de m8 hinh sin xuit chu yiu
n, do vay
la cic h0 sin xutit. Tiem Wing phit trien cua cic h0 sin xuAt yin con rat 16.
viec ma rOng host dOng cho vay yeti h0 sari xuAt lk mOt yeu au rat cap thitt dhi
v6i tat ci the nein hang host dOng tren dja ban.
Trong thei gian thvc tap tai don vi, tea nhOn thAy NIINo&PTNT Viet Nam — chi
nhinh huyen Hoii Dire c6 lqi the la c6 ljch sir host dOng trong linh we phit trien kinh
to !long nghiep nong then to khi bit diu thinh lip, va linh dao ngin hang cling xac
dinh nhem khich hang trong tim 11 cic h0 sin xuAt, qua de nhftng chinh sich ho trq
di duqc ban himh gin!) khuyen khich cic h0 sin xuAt tich cue vay von, gulp cic hi) sin
xuAt c6 the tiep can ngu6n von de ding hors, kip then b6 sung diu to vio host dOng sin
xuAt kinh doanh. Tuy nhien, do van con nhieu ton tai trong co the chinh sich, hank
lang phip ly, va nhftng yeu to khich quan khic khien boat dOng cho vay d6i vOi h0 sin
xuAt dm chi nhinh van con ;Nem ton so vei tiara nang cua cic h0 sin xuAt tren dja
bin. Viec me rOng hog dOng cho vay d6i yeti h0 sin xuit lk mot yin de can duqc quan
tam nghien dm de giip nen kinh to tren dja bin c6 the phit trien, nh#n thirc duqc yin
de de, toi guy& dinh chcon de tai: " Giki phip ma rang host (long cho vay dal vai hi)
sin xuit tyi Ngen hang Nang nghiep vi Phit triers Nang than Viet Nam — chi
nhinh huyen Hoii Dic" lam de tai cho khea Mn tot nghiep cia minh.
2. Myc tieu nghien cum
Thong qua quit trinh tim hieu tai chi nhinh vi tham ;ciao cic tii lieu lien quan,
khea lu#n tip trung lam r8 cac van de sau:
He thong h6a, tong hqp va phAn tich nhftng van de ljt luon co ban ve h0 sin xuAt
vi host dOng cho vay d6i vei ho sin xuat * ngAn hang thucmg mai.
PhAn tich (Minh gii thus trong me rOng host dOng me rOng cho vay d6i yea h0 sin
xuAt tsi NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dec.
De xuAt the giii phip gulp ma rOng host dOng cho vay d6i yen h0 sin St tai
NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dire.
3. Bei ttrqng vi phym vi nghien cern
if& tuong nghien cum: Hoot dOng cho vay d6i vei h0 sin xuAt tsi NgAn hang
Wing nghiep va Phit trien Wang them Viet Nam — chi nhinh huyen Hoki Dire.
Thang Long University Library
Pham vi nghien dm: Host dung cho vay din yen h0 san xuat tai Ngfin hang Wing
nghiep va Phit trier Nemg them Viet Nam — chi nhkill huyen Hoai Dirc trong giai down
2012 - 2014.
4. Phtromg phip nghien eth. de tai
Olds th4c dip gin gidi quyit cdc c8u hal nghien arm* ra la sir dung et m8
hinh 19 thuyet duce hqc tai nha Huang de phan tich thtrc tang cimg veri do IA ap dtmg
&Ong thbi ca hai phucmg phip nghien cfru djnh tinh va djnh Wong trong thu th p va xir
19 dO lieu. Qua trinh nghien cfru se sir dung dm did lieu da c6 sin duqc don vi cung
cap, ngoai ra la tham !chit° cac tai lieu trong thu vien truOng.
Phucmg phip phan tich der lieu la se tong hop s6 lieu theo cach bang Neu, neu ra
hien tuqng thong qua s6 lieu, qua do tim hieu ban chit, 'tat vim de vi neu ra cdc hien
phip gidi quyet van de d6. Phucmg phip se &roc h6 thy bing cac phial mem tinh toin
vi sown thao van bin.
5. KM ciu cam di tai
De tai dtrqc ket ciu g6m 3 phin:
Chuang 1: Ca ser19 lu$n vi cho vay h0 sin xuat ctia ngfin hang thucrng mai.
veri h0 san xuat tai Ngan hang Ming
Chuang 2: Thuc tang hog dOng cho vay
nghiep vi Phat trier Wing them Viet Nam — chi nhanh huyen Hoii Due.
Chuong 3: Gild phip ma rung cho vay dOi veri WO sin xuat tai Ngan hang Wing nghiep
vi Phat trien /Ong then Viet Nam — chi nhinh huyen Hoii Dirc
CHUONG 1. CO SO L)? LUAN VE CHO VAY HQ SAN XUAT CUA NGAN
HANG THUONG MAI
1.1. Hoot dung cho vay d6i vii h0 sin xuAt cua ngin hang thuung mgi
1.1.1. Khdi nifm, d#c diem caa
he min malt
Khii niem
Tru6c het, de c6 can cir phat men de UM, chimg ta an lam re khai niem ye he, san
xuAt. DAu tien, chi ng ta can hieu dtrqc djnh nghia: "HO liz gi?".
Theo van ban s6 1030 ngay 3/4/1991 cila Lien hiep quiic dinh nghia: "HO la
nhung Ague& cling song chung dirol mOt mai nha, cling do chung viz co chung mot
ngdn guy""
Tai cuOc thio luan quoc ta lin thir IV ve van de Quan 15, Wing trgi tai Hi Lan
nam 1980, tien si Aalt A. Dijkhuizen da dua ra khai niem: "HO la mOt dan vj ca bcin
clic: xd hOi, co lien quan den san neat, tat san xuit, din tieu dung viz cac hoot dOng
khcic czia xd heir
Theo nhu tir dien neon nge viet nam phat hanh nam 2001, tgi trang 497, ding thir
52 55 ce vitt "HO /i tit ca nhiemg ngtriti cling song trong mOt mai nha, nham ngwol do
có the bao gam nhang ngiroi co cling htcylt thong hodc khong"
-
Tir nhOng djnh nghia tren, ta c6 the nh#n thAy khai niem "HO" dtrqc hieu theo
nhieu cach khic nhau thy theo d#c diem cilia timg quic gia tren the gioi. Tuy nhien, ci
the hieu met cach chung nhAt la he la met dun vj cis xa bao gim cac thanh vien
song va sink hogt cling nhau, cac thanh vien ci the c6 cimg huyet thong va cling song
chung trong mOt nen nha. Mgt khac, cling ci the nh#n thAy ring, hi) cling la don vj ea
ban nhAt di t6 chirc lao deng„ tin tai nhu met don vj kinh to co bin nhAt voi muc Watt
san xuAt co si la tu cung, tu cap, tu san, ttr tieu.
Sau khi da lam re khai niem ve "he)", buoy flip theo, chimg ta an hieu ve khai
niem "HO san xualt". Tren gic de ngan hang: "HO san xuat la mOt thuOt ngu dmic
Bang trong hoot dOng cung ling von tin dung cho xii hOi de gni]) xd hOi phat van kink
!chic thubng duct ding di thay the thuot nga "HO san xutit" la
MOt si thu#t
"HO gia dinh", "ho kinh doanh"...
Dug tren phu Ipc s6 1 kern theo guy& djnh 499A ngay 2/9/1993 cia
NHNo&PTNT Viet Nam, theo di khai niem hO san xuAt dtrqc hieu nhu sau: "HO san
xudt la don vj kinh to tv chti, trvc flip hogt Ong kinh doanh, la cha the trong moi
quan he san xulit kinh doanh va tv chju track nhiem ve kit qua how dOng kinh doanh
cua minh".
Trang 1
Tir dinh nghht ten, ta c6 the khai quat loi nhu sau: HO san xuAt la dun vi kinh te
ti chit, toe tiep hoot dOng san xuAt kinh doanh, ho san xuAt co the to loa chop nghluth
nghe san xuAt, to minh huy Ong von di den hinh san xuAt vi trvc tiep tieu thy san
phAm sau qui trinh san xuat. Trong cac quan hg san xuat kinh doanh nhu vay von, san
xuAt hay tieu thy hang hoa thi Kt san xuAt gift vai fro la mOt chit the dOc
Doi vai nhitng nuoc c6 nen nong nghiep lit chit yeu thi hi) san xuAt la mOt thanh
phan kinh te rat quan trong trong san xuAt thing nghiep, dac biet khi nen san xuAt nong
nghiep con loc hau, phi thuOc chit yeu vao sirc lao dOng con ngutri la chinh. D6ng then
kith te ho san xuAt cling la mOt thanh phan kinh to khong the thieu trong nen kith 4'
thi truing nay. Trong nen kinh te thi truing hien nay mac dit quy m8 cue kinh te h0
khong Ion nhtmg do dac tinh la don vi san xuAt co ban cilia xa hOi, ne dOng treo vai
quan trong trong qui frith phat trim kinh te cite dAt ntrem, On dinh doi song xd hOi.
Phan loci
Theo tai lieu "Vat tro czia h¢ san xuat trong nen kinh ti thi owing" duqc hiding
Doi hoc Kinh te Quoc din xuat ban thi dtra vao niing ltrc cna h0 san xuat ta ce the chia
thinh ba loci sau:
Logi ink nhAt: Li cac ho co von, c6 kg thuat, ky !tang lao dong, biet tiep cfu ► yeti
moi truing kinh doanh, c6 kha niing thick (mg, hoi nhap yeti thi truing. Nhu vay cac
ho nay tien hanh san xuat kinh doanh c6 hieu qua, biet t6 chive qua trinh lao dOng san
xuAt cho phit hop v6i thai w de san phAm too ra c6 the tieu thi tren thi throng.
Logi finis hai: la cac ho ce suc lao dOng lim viec can man nhtmg trong tay hp
khong co hoac co rat it to lieu san xuat, hen von hoc chua co moi truing kinh doanh.
Looi hi) nay chiem plan Ion trong nen kinh te.
Logi the ba: la cac ho khong c6 suc lao dOng, khong tich coc lao dOng, 'thong
blest tinh town lim an, hay gap rut ro trong san xuAt kinh doanh, gap tai non Om dau va
nhftng ho gia dinh chinh sach...cic h0 nay thug:mg duqc xep vao dien ho ngheo vit an
so gift!) de( to nhang chinh sach cue chinh phi; vit cac ngan hang chinh sach de co the
won len phitt trim kinh te, di thien doi song.
Theo nhu cach phan loci tren, co the then thAy s6 ho san xuat rot vao loci thir hai
chiem phlin lan trong nen kinh to cue ntrac ta hien nay, lit cac d6i Wong khich hang
chinh cue cac ngan hang thucmg moi hoS dOng tren dja ban nong nghiep nong th8n.
Diem yeu cim hp la thieu kien thirc cap that ve nen kinh te vi thieu vim de san xuat,
day la dti tuqng ma NHNo&PTNT Viet Nam can uu tien cho vay cling nhu la hO trq
ve thong tin de ho c6 the phat trim san xuAt.
Trang 2
Thang Long University Library
Cac ho loai thin nhAt IA cic ho dA di tien phong trong nhieu linh nrc dm nen kinh
san
to nOng nghiep ding th8n, trong mOt th&i gian dii hq di holm thien cic quy trinh
la
xuAt vi lien thy hang Ma, hq thuting c6 nhu cAu vay von 16n. SO luqng cic ho nay
kh8ng 16m tong nen kinh to tuy nhien do kith nAng kinh doanh cita hq duqc dim bio,
hq IA nhOmg khich hang fit uy tin tin ngin hang.
Cie ho loai ba duqc xep vio dien ho ngheo, hq an nhang chinh sich ho trq x6a
dad giim nghIo cita Chinh Phil de c6 the citi thien cuOc song.
D$c diim
Dora vio tii lieu ve "Hoot tong cho vay h¢ san suck cia nglin hang thwang mgt"
duqc twang Hqc vien Ngin Hing phit hinh thi ce the khii quit dAc diem dm hi) san
xuat nhu sau.
HO san xuAt la mOt don vi kinh to dtic biet visa sin xuAt vira tieu this san phAm.
Cic thinh vier trong ho c6 nhu au tieu dung sin pham trong dbi song hing ngiy.
Nhung dong th6i ho la nai sin xuAt ra the sin phAm de phut vo cho ca the thinh vien
trong ho vi xA hOi.
Quy mo sin xua dui ho nh6, mang 'ging tinh sin xuAt truyen thing, san xuAt ra
the sin phAm can thiet phut vo cho nhu au the thanh vier trong ho la chinh. Khi cic
sin phAm lim ra khong duqc tieu dung ha trong gia dinh hq mai di trao d6i. San phAm
lim ra kitting vi moc dich trao d6i. Chinh vi vAy s6 luqng mang di trao d6i chiem tjr
tong nh6 tong tong so khOi lugng lim ra. Khi kinh to ho phit then 6 mist do cao hot,
ce sin xuAt hang hoi nh6. Khi do, do c6 trinh dO phit tien cao han, Si luqng sin
phAm lam ra nhieu han nhu au tieu dimg ciut ho, c6 sin phan du thin mang di trao
dOi. Sin xuAt hang hoi nh6 the hien 6 quy m8 sin xuAt vi Si luqng sin phAm lim ra.
Quy mo h0 sin xuAt math mon, nh6 16, kh6i luqng sin phAm bin ra chi chiem Mang
tir 20-30% khoi Itrqng sin phiun Ming sin ten thi tinging.
HO sin xuAt tien haul sin xuAt kinh doanh dOc kip Au chit, IA chit the tong cic
quan he sin xuAt kinh doanh . HO sin xuAt kith doanh ten nhieu nginh ngh'e
Trong nen kith ti 6 nhang dja phucmg c6 nen kinh to kern phit trim, chit yeu la
sin xuAt neon nghiep thi h0 sin xuAt chit yku hoot dOng tong firth Arc n8ng nghiep.
cic
Kinh CA hi) sin xuAt (long vai tr6 rat quan trqng doi vai viec phit trien kinh to Goa
ho n8ng nghiep, vein di chi sin xuAt vat quy m8 the vi vira tong linh Arc n8ng
nghiep
1.1.2. latii niem cho vay he son xuAt
Khai niem cho vay
Trong 3
Ngin hang li mOt doanh nghiep, hoot Ong trong link voc tien te,de c6 the duy tri
vi phat trien hog &Ong cua minh thi hog ding kinh doanh cua ngan hang phai c6 lai.
Hog dOng chu yeu cua mOt ngan hang thuong moi Ia huy dong v6n vi nghiep vo tin
dung nhim tim kiem lqi nhuon, trong de c6 nghiep vo cho vay cac thanh phin kinh to
trong xa hOi. Theo quy ch'i cho vay cua cic to chirc tin citing d6i von khich hang ciut
ngan hang Nhi nuerc Viet Nam (ban Muth theo quyet djnh so 1627/2001/QD-NHNN
ngiy 31/ 12/2001 dm Thong d6c ngfin hang nhi nuac), thi cho vay ducrc djnh nghia li
mot hinh thirc cap tin ding , theo de to chirc tin dung giao cho khich hang sir dung
mOt khoin tien de sir dung vio muc dich vi tiled gian nhAt djnh theo thoi thu#n vii
nguyen tic ca hoin frit ci g6c vi lai.
Khii niem cho vay by sin suit
Theo d6, cho vay hi) sin xuat chinh la mOt hinh thirc ma ngan hang cap von cho
h0 sin xuAt sir dong vio mpc dich sin xuAt kinh doanh trong met then gian nhAt djnh
theo so thoi thu#n giDa ngan hang vi her sin xuAt, ding thin thoi thuan phuang thirc
tri no cho ngan hang. D6i Wong ciut cho vay 110 sin xuAt la cic ho gia dinh, day li mOt
thinh phin kinh to quan tong trong nen kinh t@ nhieu thinh phew Cic ho sin xuAt
thu?mg 'thong co dit v6n de tien hinh phuang in sin xuat kinh doanh ctia minh, mOi
khi do djnh sin xuat thi cic ho deu c6 nhu cAu vay vein. Thai gian truArc khi chua c6 so
xuAt hien Ain cic to chirc tin dung thi cic ho thiremg phii vay nang lai lim inh huertg
den ket qui cita hog dOng sin xuAt, sin xuAt kh8ng mang loi lqi nhuin ding ke cho
cac h0. Tir khi c6 so phit trien dm he thOng cac t6 chirc tin dung d#c biet 11 he th6ng
ngan hang thi cac h0 sin xuat da c6 the tiep c#n duqc yeti ngurin v6n thich hop vii khi
nang cua mirth vi hog dOng sin xuAt ciut he, dem lei lqi nhu$n cao hem, tir d6 kinh to
hi) sin xuAt daft din phat trien.
1.1.3. Cdc kink third cho vay dui vdi hQ sin xuAt
Cho vay trip tiep h0 sin suit
Cho vay troc tiep la phuang thirc cho vay ma 6 day ngin hang se trim tiep cho ho
sin xuat vay vim , hp sin xuAt troc tiep nh§n vein vay tir nein hang, tir dim den cu6i
qui trinh vay chi phat sinh mOt khoin vay cita her sin xuAt yin ngan hing . Day la
phuang thirc vay ph6 bien nhAt vi quan tong nhAt toi cic chi nhinh NHNo&PTNT
Viet Nam rip dung trong cho vay dti vii the h0 sin xuAt. Trong phuang thirc cho vay
trtrc tiep, ngan hang con thoi thulin vii cac h0 sin xuAt thoc hien cic hinh thirc vay
von khac nhau
Cho hp an xuAt vay tryst flip thong qua a vay yin:
TO vay van do cic thanh vien la he) gia mink, ca nhan to nguyen thinh lop, c6 nhu
au vay von, ding cu chu toi th8n, x6m. TO vay von phii &roc thanh 1#p theo quy djnh
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Thang Long University Library
cua ngan hang, ding then ngan hang se quy dinh trich nhiem cua nhing ngutri lien
quan nhu t6 trueng t6 vay von, ho san xuit ding IcY vay von tir t6 vay von.
Cho hO san xuAt vay tryr tiip thOng qua doanh nghifp:
Cing giOng nhu cho vay qua t6 vay von, ngan hang th8ng qua doanh nghiep de
trkrc tiep cho ho san St vay von. DOi Ming vay la cic ho san xuit nhan Ichoin dia
the doanh nghiep.
Cho vay giin tap h4 sin aunt
Cho vay gian tiep la phuong thirc cho vay ma ngan hang thong qua cic t6 chirc
trung gian de chuyen von vay den 110 san St, nhim lim tang kenh phan phai von cho
ho san xuit. Cic to tit trung gian c6 the la t6 chile tai chinh nhu: Him tic xa tin dung,
ngan hang co phin, quy tin clung. C6 the li the t6 chat kinh to nhu ficrp tic xa san
xuit, cic doanh nghiep nhi mac. Ck to chat xi hOi nhu HOi phv nt, HOi nong dan,
HOi cuu chi& binh, HOi thanh nien, HOi lam vutrn. DOi tucmg vay von dui ck to cline
trung gian nay thuting la h0 nghto, thieu von san xuit nhung khong dit tai san lim bao
dim, hp c6 sire lao dOng, c6 Ice hooch san xuit !dui thi, phu hqp vtri chinh skh phit
trien cua dia phuong. Phircmg thilc cho vay nay too die'u kien cho cic ho san xuit duqc
vay von de phit trien san xuit,thay dOi &A song cna timg h0 ngheo, gap phan phit
hien kinh to dia phuang. Dong thtri nein hang thirc hien duqc trich nhiem veri nhi
nu& la xoi d61, giam ngheo too sir phut trien dong deu trong san xuit wing nghiep vi
n8ng th8n. Cho vay th8ng qua t6 chirc kinh to xi hOi thvc chit la cho ho san xuit vay
bang tin chip, bang uy tin dm cic to chile dimg ra trung gian. Mac du cho vay nhu vay
se giam chi phi thim dinh cho ngan hang, nhung do khoan vay khong dirge bio dim
bang tai san dim bio, rill ro tong hoot dOng cho vay nay la kha cao, c6 the anh hutmg
den chit lirqng tin dung ngin hang.
1.1.4. Vai trd cuts hoist ding cho vay
vdi hO san xuJt
Trong qui trinh hoot dOng thirc to cua minh, he thring cic ngan hang thircmg mai
Viet Nam &A the hien vai tr6 to Ian dm nguon von vay doi vei sir phut trien kinh to hi)
san xuit:
Cho vay Ist9 san xulit gop phAn tyo dila Men duy tri cdc ngdnit nght4 truyin
th Ong
Dira vio lqi the so sinh gifts cic yang, cic dirt phuong khi c6 von dau tir, ngutri
dan di Ichoi phpc, duy tri vi phit trien cic nginh nghe truyen thtmg. Try& day, quy
mo cua ca nganh nghe truyen thong la tucmg dOi nh6 do cic hi) khong ce nhieu von the
phit trien, thi truerng tieu thy cna hp thutmg b6 hgp tong pham vi mot so tinh lan con,
chinh vi vay lqi nhuan dem loi cho ngtrai din lam nghe la khong lan dan den viec chi
Trang 5
co mOt s6 h0 dan la c6 the thvc sv lam giiu duce yid nghe truyen thOng. Dieu nay
khien cho cac nginh nghe nay din tit nen mai mOt do nguiri dart be nghe, chuyen sang
cac Unit vvc khic dem lai nhieu thu nhap han. Do do, hoat dOng cho vay ho sin xuat
cung cap cho ngtrai din co nguan vim de phit trien sin xuat, qua da mer ruing quy m8
hoat d'Ong, ma rung thj trubng tieu thu gift!) cho hp co duqc lqi nhuan cao han thin kjr
twat. Dieu nay gap phan giup cho cac ngiuth ng,he truyen thong duqc duy tri, tao duqc
net dac tnmg kinh 4 cho dja bin ding thin.
Cho vay lt6 sin xuat ld cong cy tdi trct vii phis Win co sd hg tang nong thin
Ca so ha tang la mot tong nhung yeu t6 ca bitn cho sv phit trien cua mOt quiic
gia tong de co Viet Nam, no gift vai tr6 dac biet quan tong doi yin sv phit trien kinh
to xa hOi cua dat nuirc. Dau to co so ha tang nong them bao dau to cho thujr lqi,
he thong dien, duang giao thong, truing hoc, tram xi, he thong th8ng tin lien lac, kho
ting,ben bai, chq, he thing cung cap nuirc sach...
Cho vay h0 slut xuat tham gia vio quy trinh phit trien co sa ha tang nong thin
th8ng qua viec cho vay ngan, trung, clli hart vai nhang chinh sich uu dai phit
trien co so ha tang nong them cua Chinh Phu. Cic h0 sin xuat co the sir dung von vay
de xay dung tram born, be de din nu6c, duang giao thong... Arai muc ditch nang cao
hieu qui sin xuat, cai thien m8i twang lao dOng. Dieu nAy tram mat gi6p cho hoot
dOng sin xuat kinh doanh cfra h0 duqc thua ► tien, sau de la cal thien b0 mat co sir ha
tang tai dja phuang, tao di'eu kien cho nhieu linh vrc dOng thin cung phat trien.
Cho vay hP sin xuat gip phin hgn chi cho vay npng lii b tiling thOn
Tinh tang cho vay nang lai a nong than da ton tai tit lau vi co the dOng rat lim
den sin xuat vi deri song dm nosai din. Khi chua co tic chinh sach cho vay don yin
hi) sin xuat, cic hq sin xuat mutin c6 vie de kinh doanh phii vay vim cua cac ca thin
ten dja bin von lai suit cao, dieu nAy din din viec lqi nhuart dinh cho h0 sin xuat
khOng dim bio do phii dinh phan lan de tang trai khoin vay. Ngoii ra, cho vay nang
lai 6 nong than con 11 mOt hoot dOng bit hqp phip, gay bat On chinh tri tai dia phuang,
khien cho kinh to nong than cham phit thin tong then gian dai. Hoat dOng cho vay
dai vii h0 sin xuat cua ngan hang ma ra giltp cac ho sin xuat co the tiep con dugc
nguan von vai lai suit phi! hqp han, cung vai da la cac chinh sach thu hoi no linh
ding, ngutri din khi khong dim bito duqc viec tri nq dung han, co the trinh bAy vii
nab hing de c6 the kat) dii thiri gian tra nq. Do do, hog dOng nay timg buck da han
the duqc viec nguOi clan phii vay vim riling lai.
Cho vay hQ sin xuat gitip h6 sin muff lint quen vd tieing but thyc hien chi tip
hgch Loin kink 11, sit dyng win vay ce Itifu qud
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Thang Long University Library
Trong san xuAt hang hoa de dim bao cho sv Mn tai va phat triEn tha minh thi bAt
cir mot dun vi san xuAt kinh doanh nao ding phai tien hanh hich town kinh to de san
phim cua minh duqc thi throng chip nhlin va kinh doanh co lai. Cac ho san xuAt nuec
to chit yell la ho nong dan !than 16n con quen vdri suy nghi "lAy cling lam Lai" thuong
lien hanh san xuAt kinh doanh trong khi hieu qua san xuAt kinh doanh chua coi tremg
dung mac. Mot s6 nam gAn day, ngan hang da co sv quan tam han tOi cac hi) san xuat,
the ho dirge vay v6n ngan hang song phiti thvc hien nguyen tic hoin tra cho ngan
hang day dit, dung han ca g6c va lAi. Do de the ho dei hot phai tinh town hieu qua, sir
ding van vay dung mvc dich de sau khi tra gOc va lai cho ngan hang thi the ho van
con phan thu nhAp elm minh.
Cho vay h(3 sibs xuat giap Mac diy Sc he son xuat xuAt kidu hang hoa
Khi chua c6 hoat dOng cho vay ho slut xuAt, san xuat cua cac ho chit yeti la tv
cung tir cap, s6 luqng hang hoa dem ra trao doi thy co nhung khong nhieu, dieu nay la
do cac ho thieu kien thirc va quan trqng nhAt la thieu vein de ma rOng boat dOng san
xuat kinh doanh. Host dOng xuAt MIL tai cac dia phuong chinh vi voy ma con rat han
the phai phi thuOc nhieu vao cac doanh nghiep nhi nuec. Thai gian gin day, cho vay
ho san xuat da cung cap, b6 sung win cho cac hi) sin xuAt, giitp cac ho co thE ma rOng
quy m0 san xuat, kh6i lugng hang h6a cung cap cho thi trueing trong ntrec vi the duqc
nang cao, ben canh de the ma hang nong san veil chAt lacing Mt se doge xuat khAu
sang cac ntrec khac, tao thuang hieu cho cac mAt hang Wong san Via Nam va thu dirge
lqi nhu'an len, tao dieu kien de cac ho san xuAt tiep tic xoay yang v6n dlu to san xuAt.
CO the nei, hoat dOng cho vay ho san xuAt di gap phAn gulp cho cac ho san xuAt dua
san pham cua minh ra ngoai hien giai Viet Nam.
1.2. Mi ring hoat ding cho vay dti yard hi sin suit tai ngan hang thwang m0
1.2.1. Mali nifm mo ring hoyt dOng cho vay doi vai hQ san xuat
Ma rOng hoat dOng cho vay d6i veil h0 san xuAt la sv gia tang ve quy mo cho vay
ho san xuAt cua ngan hang, ma rOng bao gam sv mo rOng ve s6 lugng ho san xuAt vay
vim ngan hang, sv gia tang ve doanh s6 cho vay (16i yeti m8i ho san xuAt, sv thing
throng tS, le di nq d6i veri h0 san xuAt, hay sv gia tang ve s6 lugng nginh nghe vay
v6n. Me rOng cho vay ho san xuAt dirge the hien 6 mot s6 diem sau:
Vii se laying hf san xuat vay yin
HO san xuAt la khach hang vay von trong cho vay d6i yeti ho san xuat. Quy m6
cua cho vay d6i veil h0 san xuAt km hay nhe dirge the hien mot phlin boi s6 lucmg ho
san xuAt tham gia vay von ngan hang. HO san xuAt la d6'i ttrog co nhu ciu vay von
nhi8u, thtamg xuyen de tiers hanh diu to ski xuat theo phuong an dm ho nhim phat
trien kinh to hO san xuAt. Do do, s6 lugng h0 san xuAt co nhu eau vay v6n va duqc
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ngan hang dap Ong ngay cang co xu hien gia tang. Day la mOt trong nhang yeu to
dinh gia vi'ec me rOng cho vay hq san xuAt.
Ve nganh nghi cho vay Li vdi hP son neat
Nganh nghe cua ho san xuAt lit yeu t6 quan tong Anh hueng den quyet djnh cho
vay ho san xuAt cua ngan hang. Day la rinh vrc ma ho san xuAt se eau to de san xuAt
khi vay von ngan hang, ngan hang phai xem xit dO co phai la phuang an san xuAt kha
thi !thong, de tir do co ra quy'et djnh cho vay ho san xuAt hay thong. Viec da clang ye
nganh nghe cho vay cling la yeti t6 the hien viec cho vay ho san xuAt duqc me rOng,
khi cho vay da clang ve nginh nghe thi s6 luqng ho san xuAt vay von tang, doanh so
cho vay ho san xuat cling tang. Deang thin, so da clang ve nganh nghe cho vay con Op
phAn giant nii ro tin ding cho nem hang, gap phiin nang cao chit luqng tin dung cho
ngan hang. Tir do, van de me tong cho vay h0 san xuAt cua ngfin hang mei duqc dam
bao thong nhang ve me rOng quy m6 ma con dam bao chit luqng cea hoat dOng cho
vay, gOp phan 'tang cao hieu qua cea heat dOng cho vay d6i vai ngan hang.
i4 doanh so cho vay va du np doi vdi hp sin xuat
Day la nhang chi tieu the hien viec cho vay ho san xuat da duqc me rOng hay
chua me rOng mOt cach chinh xac tuyet d6i. Doanh s6 cho vay dti van ho san xuAt la
khoi luqng von ma ngan hang da cap cho cac h0 san xuAt vay de san xuAt, kinh doanh
trong mOt then ky nhAt dinh. Doanh sit cho vay tang hay giam trvc tiep guy& djnh den
quy mo cho vay h0 san xuAt da duqc me rOng hay chua. Day la mOt con s6 tuyet doi
phin anh mOt each chinh xic ve quy m8 cho vay h0 san xuat cua ngan hang. Ben earth
do, do nq d6i yen ho san mitt cling IA mot con Si, the hien quy m6 cho vay ho san xuAt.
1.2.2. Sy cin thief phai md Ong hogt dPng cho vay doi vdi hp san xuat
Mans tang twang nguan thu nh(ip cho ngan hang
Doi von cac nem hang thuang mai, viec giai ngan ngu6n vein huy dung de cho
vay chiem mot vai tre het sire quan tong, phin lam nguon thu nhAp cea ngan hang pho
thuOc vao hoot dOng nay. ChM vi voy viec me Ong host dOng cho vay doi von ho san
xuAt la mot yeu cAu cap thiet de ngfin hang co the duy tri va phat trien, dieu nay se Op
ph'An dem lai ngulin thu nhap khong nher cho ngan hang.
Nhdm giap ngan hang tang acing
mei gnats he vdi khdch hang
Vei mei truing girth tranh hien nay, cac nem hang At chit tong trong viec quart
he yeti khich hang, nhAt la d6i vOi nhom khech hang mvc tieu, dieu nay nham giep cac
khich hang cam thAy an tam va thole mai khi giao dich vei ngan hang vi tranh twang
hqp khach hang thay doe ngan hang de giao djch. Viec me Ong hoot dOng cho vay d6i
veri ho san xuAt se di kern vai no la nhieu san phAm Bich vu, cac chuong trinh
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Thang Long University Library
marketing, cac uu dai khi cho vay... dieu nay giup cho ngan hang c6 the mer Ong
them nhieu khach hang man, ding vesi d6 11 that chat them mid quan he von nhi'rng
khach hang
Nhatn gidp ngdn hang thu hat drew nguan van tit khdch hang di vay
Ngulin von huy dOng tir din cu luon chitin phan Ian trong tong ngurin vim huy dOng
cua ngan hang, veri viec ma rOng hoat dOng cho vay dai veri hi) san xuAt, ngan hang co
the tao duqc uy tin dOng thai ma rOng pham vi khdch hang la cac hi) san xuAt. Dieu
nay riling thtri ding gin!) cho ngan hang co them nhieu co hOi de tiep can duqc ngutin
von tir khich hang.
1.2.3. Cdc chi lieu think gill khd ndng ?no rang hog! dOng cho vay dai vii 110 son
xuAt ctia nein Wing duping mgi
Quy mO cho vay d6i veri hti san xuAt ma rOng hay khOng duqc bieu hien qua
nhieu chi tieu nhu: su tang tru?mg doanh s6 cho vay d6i veri ho san xuat, str tang
twang du nq dai veri ho san xuat, str tang twang so luqng ho san xuAt tham gia vay
von, so tang truerng thu nhap, mirc dq da dung h6a ngitnh nghe cua hi) san xuat va cac
chi tieu dank gia Idui Wang quill 19 riri cho vay cda ngan hang.
Sic tong truing doanh si cho vay dal viti hp sib; xuAt
Doanh so cho vay ho san xuAt cho hitt s6 luqng von ma ngan hang da giai ngan
cho cac h0 san xuAt vay trong mot thtri kjr, thutmg duqc quy dinh la mot nam. Doanh
so cho vay ding lern thi quy mO cho vay ho san xuAt tang 16n, thOng qua str tang
truing ve doanh s6 cho vay h0 san xuat qua the nam to co the thAy duqc quy mo mer
rOng hoat eking cho vay ho san xuAt mot each toan dien. Tric do tang trutmg doanh s6
cho vay d6i voi WO san xuAt duqc tinh nhu sau:
(Doanh s6 nam tithe - Doanh so nam sau)
T6c do tang twang
doanh sO cho vay
hi) san xuAt
x 100%
=
Doanh so nam truerc
Doanh sO cho vay ho san xuAt tang co the la do s6 luqng ho san xuAt tham gia
vay von tang hoac do mirc tin dung d6i yea mai no san xuat tang. Ben canh do con sir
dun chi tieu ttromg d6i la t9 tong doanh so cho vay ho san xuAt trong tong doanh s6
cho vay elm ngan hang de phan imh vi tri quan tong dm cho vay 110 san xuat trong
hoat dOng cho vay cita ngan hang. T9 trong doanh s6 cho vay dai von hi) san xuat duqc
tinh nhu sau:
T9 tong doanh sO
Doanh s6 cho vay h0 san xuAt
x 100%
cho vay ho san xuAt Trang 9
Tong doanh so cho vay
Syr tong Inning du nix dai vai hp san
Du nq ho san xuat phan anh lugng van ma cac he san xuat can my tai met then
diem cu the dm ngan hang. Tong du nq thip phan anh chit lugng tin dung thip, !thong
thu but duqc nguei din den vay von. Mat khac, tong du nq cao thi chua chk chit
lugng cho vay da tat vi du nq cho vay con ti'em An nhthig nil ro tin dung. Do vay phai
xem xet du nq trong mai quan ha voi doanh so"' cho vay vl doanh s6 thu nq de co the
ket luan ve viec hoat dung mo rang cho vay d6i ved he san xuat co dam bao tinh an
man hay khong. Ben canh d6 veri viec ket hop cac chi tieu nhu no qua hen, lqi nhuan
do hoat deng cho vay ho san xuat to co the co duqc cai shin chinh xk ve chit luting
hoat dung mer rang cho vay din vol ho san xuAt.
Ben canh do, chi tieu su tang truing du no di veri h0 san xuat la chi tieu phial
anh su gia tang hay giam oh du my ho san xuat. Talc da tang truemg du no he san xuAt
duqc xac dinh nhu sau:
Tec de tang tnremg
(Du my nam sau — Du no nam truck)
x 100%
du no he sin xuat =
du no nam sau
T6c de tang truemg nay duang thi dm la du my ho san xuAt nam sau cao han nam
tnr6c, tirc la quy mo cho vay he san xuat dirk me rang tren ca so du nq. TOc de tang
tnreng nay cao chua hin da dart gia duqc toin be qua trinh mo tong hoat Ong cho
vay dOi WA he san xuAt dot hien qua cao.
Sr tong truylng sá haying hp son xulit vay yin
S6 lugng he san xuAt tren dja ban la rat nhieu, thy nhien so ho c6 nhu cau vay
von co kha rang tiep can &roc veri nguen vim ngin hang chi chiem met phan nh6
tong so de, nhieu ho chua vay van nem hang duqc do nhieu nguyen nhan khic nhau.
Quy mo met rang so lugng he san xuat Ion hay nhe la met chi tieu rat quan tong cho
thay hoat deng mo rang cho vay din veri he san xuat cua ngan hang da thut su !Nen
ngtred clan de ding han trong viec nip can ven nguiin von vay hay chua.
TOe de tang truing he san xuAt vay van qua cac nam la met chi tieu phan anh
quy m6 mar rang cho vay he san xuAt, the hien qua so lacing he san xuat vay von thay
461 qua cac nam. Con so nay duang chin to quy m8 hoot Ong m6 rang cho vay 46i
yeti he san =at da tang len vi nguqc lai.
S6 HSX nam sau — S6 HSX nam truk
T6c de tang truang
x 100%
he san xuat vay vein =
SO HSX nam truk
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Thang Long University Library
TS/ tong ho san xuat da vay von ngfin hang tren tong s6 ho san xuAt IA mOt chi
tieu phan anh quy m6 cho vay h0 san xuAt hien tai va the hien kha nang ma rOng cho
vay ho san xuAt trong thai gian tiep theo bing viec phat men cho vay doi vai nhang ho
san xuAt chua dugc vay vim ngan hang.
TS, trong ho san
HO san xuAt da vay vein
x 100%
xuat da vay vein
fling s6 h0 san xuAt
Sy. tang Owing doanh se; cho wry trung binh tren mpt hp san xuat :
Doanh so cho vay trung binh tren mOt ho san xuAt la gia tri trung binh dm mon
vay ma mOi ho san xuat vay toi ngfin hang. Doanh s6 cho vay trung binh tren mOt hi)
san xuAt tang len dOng ngliia yeti viec nhu au vay vein dm ho san xuat tang len va cho
thy ngan hang da too dieu kien de mOi h0 san xuat co the vay duqc nhieu hon. Quy
mo cac Ichoin vay tang len ket hop yeti cac chi tieu danh gia nil ro cho vay se giup
chi:mg to dank gia dugc hoot dOng ma rOng cho vay d6i vol hi) san xuAt co dam bao
dugc tinh d6ng b0 ca ve s6 itrcmg va chit luqng hay khong.
T6c dO tang truOng
DS TB nam fru& — DSTB nam trtrac
x 100%
doanh s6 cho vay TB =
DSTB nam truac
tren mOt ho san xuAt
Thu nhpp tir cho vay hp san xutit
Ma rOng hoat dOng cho vay doi yeti ho san xuat kh8ng nhang an phat trien ve
quy ma ma con an tap trung vim chit luqng cua nhung khoan vay Cling vol cac chi
tieu phan anh quy mo ma rOng tren thi chi tieu thu nhap tir cho vay ho san xuAt IA mOt
chi tieu phial anh chit luqng ma rOng hoot dOng cho vay d6i yeti ho san xuAt cua ngfin
hang qua cac nam. Day IA mOt chi tieu rat quan tong vi moi hoot dOng cua ngan hang
thuang mai deu huang toi mvc dich cao nhAt de la lqi nhuan. Ben canh dO, so sanh chi
tieu nay d6ng thCri ding vol cac chi fieu 'chic ve du nq, tjr le mat von con danh gia
dugc viec me rOng hoat dOng cho vay doi vOi ho san xuAt co dot duqc chat Wong tot
hay khong.
He se thu ncr cho vay
san xuAt
HO s6 thu nq cho biet doanh s6 thu my chiem bao nhieu phan tram so yeti doanh
s6 cho vay. He s6 thu no phan anh trong mOt thbi ky, yeti doanh s6 cho vay nhAt dinh
thi ngan hang thu ve duqc bao nhieu dog vein. He s6 thu nq cang cao thi thing to
hoot dOng cho vay d6i vol h0 san xuAt da han the duqc nhOng rei ro.
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