75ѬӠ1*ĈҤI HӐ&+Ô1*9ѬѪ1*
KHOA KINH Tӂ 9¬4TKD
NGUYӈN THӎ %Ë&++ҴNG
1Æ1*&$2&+Ҩ7/ѬӦ1*&+29$<.+È&++¬1*&È1+Æ1
TҤ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪN VIӊT NAM
THӎ1+9ѬӦNG CHI 1+È1+3+Ò7+Ӑ
.+Ï$/8ҰN TӔT NGHIӊP ĈҤI HӐC
NJjQK 7jLFKtQKQJkQKjQJ
3+Ò7+Ӑ, 2020
75ѬӠ1*ĈҤI HӐ&+Ô1*9ѬѪ1*
KHOA KINH Tӂ 9¬47.'
NGUYӈN THӎ %Ë&++ҴNG
1Æ1*&$2&+Ҩ7/ѬӦ1*&+29$<.+È&++¬1*&È1+Æ1
TҤ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪN VIӊT NAM
THӎ1+9ѬӦ1*&+,1+È1+3+Ò7+Ӑ
.+Ï$/8ҰN TӔT NGHIӊP ĈҤI HӐC
NJjQK 7jLFKtQKQJkQKjQJ
GIҦ1*9,Ç1+ѬӞNG DҮ1 7+6/Ç9Ă1&ѬѪ1*
3+Ò7+Ӑ, 2020
i
LӠI CAM Ĉ2$1
(P[LQFDPÿRDQÿk\OjF{QJWUuQKQJKLrQFӭu cӫDULrQJHP&iFVӕ liӋu
kӃt quҧ ÿmQrXWURQJEjLNKyDOXұQFyQJXӗn gӕFU}UjQJWUXQJWKӵc, xuҩWSKiW
tӯ WuQKKuQKWKӵc tӃ cӫDQJkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧng
FKLQKiQK3K~7Kӑ.
6LQKYLrQ
NguyӉn Thӏ %tFK+ҵng
ii
LӠI CҦ0Ѫ1
7URQJTXiWUuQKKRjQWKjQK NKyDOXұn cӫD PuQKHP[LQJӱi lӡi cҧPѫQ
VkX Vҳc tӟL FiF WKҫ\ F{ ÿDQJ F{QJ WiF JLҧng dҥy tҥL WUѭӡQJ Ĉҥi hӑF +QJ
9ѭѫQJÿһc biӋWOjFiFWKҫ\F{Eӝ P{Q 7jLFKtQK± 1JkQKjQJ1Kӡ sӵ JL~Sÿӥ,
chӍ dҥy cӫa thҫ\ F{ Pj WURQJ VXӕt nhӳQJ QăP YӯD TXD HP ÿm ÿѭӧc trau dӗi
nhӳng kiӃn thӭFY{FQJTXêJLiFKREҧQWKkQ
Ĉһc biӋt em xin gӱi lӡi cҧPѫQVkXVҳc tӟi thҫ\JLiR /r9ăQ&ѭѫQJWURQJ
suӕW TXi WUuQK QJKLrQ FӭX Yj KRjQ WKLӋQ ÿӅ WjL WKҫ\ OX{Q FKӍ bҧo tұQ WuQK Yj
Kѭӟng dүn chi tiӃWJL~Sÿӥ HPFyWKӇ KRjQWKLӋQNKyDOXұn tӕt nhҩt.
7URQJTXiWUuQKYLӃWEjLGRQăQJOӵFFzQKҥn chӃ QrQNKyDOXұQNK{QJ
WUiQKNKӓi nhӳng thiӃXVyW(PUҩWPRQJÿѭӧc sӵ ÿyQJJySêNLӃn cӫDFiFWKҫy
F{ÿӇ NKyDOXұQÿҥWÿѭӧc kӃt quҧ tӕWKѫQ
(P[LQFKkQWKjQKFҧPѫQ
6LQKYLrQ
NguyӉn Thӏ %tFK+ҵng
iii
MӨC LӨC
MӢ ĈҪU ............................................................................................................... 1
7tQKFҩp thiӃt cӫDÿӅ WjL ..................................................................................... 1
2. Lӏch sӱ vҩQÿӅ QJKLrQFӭu ................................................................................ 2
3. Mөc WLrXQJKLrQFӭu cӫDÿӅ WjL ......................................................................... 4
ĈӕLWѭӧQJYjSKҥPYLQJKLrQFӭu ..................................................................... 4
4.2. PhҥPYLQJKLrQFӭu ........................................................................................ 4
3KѭѫQJSKiSQJKLrQFӭu ................................................................................... 5
6. KӃt cҩu cӫDÿӅ WjL .............................................................................................. 7
&+ѬѪ1*: /é /8ҰN Vӄ 1Æ1* &$2 &+Ҩ7 /ѬӦNG CHO VAY
.+È&++¬1*&È1+Æ17Ҥ,1*Æ1+¬1*7+ѬѪ1*0ҤI ..................... 8
1.1. Tәng quan vӅ FKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi ......... 8
.KiLQLӋPFKRYD\NKiFKKjQJFiQKkQ ...................................................... 8
ĈһFÿLӇm cӫDFKRYD\NKiFKKjQJFiQKkQ ................................................ 9
1.1.3. LӧLtFKFKRYD\NKiFKKjQJFiQKkQ ......................................................... 11
&iFKuQKWKӭFFKRYD\NKiFKKjQJFiQKkQ .............................................. 13
4X\WUuQKFKRYD\NKiFKKjQJFiQKkQFӫDQJkQKjQJWKѭѫQJPҥi ......... 14
1.2. ChҩWOѭӧng hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQFӫDQJkQKjQJWKѭѫQJ
mҥi ....................................................................................................................... 17
1.2.1. Quan niӋm vӅ chҩWOѭӧng hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQ ........... 17
&iFFKӍ WLrXSKҧQiQKFKҩWOѭӧng hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQ ... 19
&iF QKkQ Wӕ ҧQK KѭӣQJ ÿӃn chҩW OѭӧQJ FKR YD\ NKiFK KjQJ Fi QKkQ Fӫa
QJkQKjQJWKѭѫQJPҥi ......................................................................................... 23
&iFQKkQWӕ chӫ quan ................................................................................ 23
&iFQKkQWӕ NKiFKTXDQ ............................................................................ 26
&+ѬѪ1*: THӴC TRҤNG CHҨ7/ѬӦ1*&+29$<.+È&++¬1*&È
1+Æ17Ҥ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪN VIӊT NAM .............. 28
THӎ1+9ѬӦ1*&+,1+È1+3+Ò7+Ӑ ....................................................... 28
iv
2.1. Tәng quan vӅ QJkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧng chi
QKiQK3K~7Kӑ .................................................................................................... 28
7rQ Yj ÿӏa chӍ ÿѫQ Yӏ QJkQ KjQJ WKѭѫQJ Pҥi cә phҫn ViӋt Nam Thӏnh
9ѭӧQJFKLQKiQK3K~7Kӑ .................................................................................. 28
2.1.2. Lӏch sӱ KuQKWKjQKYjSKiWWULӇQQJkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam
ThӏQK9ѭӧng ....................................................................................................... 28
&ѫ Fҩu tә chӭc cӫD QJkQ KjQJ WKѭѫQJ Pҥi cә phҫn ViӋt Nam Thӏnh
9ѭӧQJFKLQKiQK3K~7Kӑ .................................................................................. 29
2.1.4. KӃt quҧ hoҥWÿӝng kinh doanh cӫD QJkQ KjQJ WKѭѫQJ Pҥi cә phҫn ViӋt
Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ JLDLÿRҥn 2017 - 2019........................... 32
2.2. Thӵc trҥQJFKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi cә phҫn
ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ ....................................................... 36
&ѫVӣ SKiSOêYӅ FKRYD\ÿӕi vӟLNKiFKKjQJFiQKkQ ............................. 36
&iFVҧn phҭPFKRYD\NKiFKKjQJFiQKkQ .............................................. 42
2.2.3. KӃt quҧ hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQ ....................................... 44
2.3. ChҩWOѭӧng FKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi cә phҫn
ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ ....................................................... 51
&iFFKӍ WLrXÿӏQKOѭӧng ............................................................................. 52
2.3.2. ChӍ WLrXÿӏQKWtQK ....................................................................................... 57
ĈiQKJLiFKҩWOѭӧQJFKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi
cә phҫn ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ ......................................... 62
2.4.1. KӃt quҧ ÿҥWÿѭӧc ....................................................................................... 62
2.4.2. Hҥn chӃ YjQJX\rQQKkQ ........................................................................... 62
&+ѬѪ1*: GIҦ, 3+È3 1Æ1* &$2 +2Ҥ7 ĈӜ1* &+2 9$< .+È&+
+¬1* &È1+Æ17Ҥ,1*Æ1+¬1*7+ѬѪ1*0ҤI CӘ PHҪN VIӊT NAM
THӎ1+9ѬӦ1*&+,1+È1+3+Ò7+Ӑ ....................................................... 66
ĈӏQKKѭӟQJSKiWWULӇn hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJ
WKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ. ..................... 66
ĈӏQK KѭӟQJ SKiW WULӇn chung cӫD QJkQ KjQJ WKѭѫQJ Pҥi cә phҫn ViӋt
Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ. .............................................................. 66
v
ĈӏQKKѭӟng hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQ ................................ 67
3.2. GiҧLSKiSQkQJFDRFKҩWOѭӧQJFKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJ
93%DQNFKLQKiQK3K~7Kӑ ................................................................................ 67
1kQJFDRFKҩWOѭӧng thҭPÿӏQKYjÿҭy mҥQKF{QJWiFNLӇm tra kiӇPVRit .. 69
1kQJFDRWUuQKÿӝ ÿӝLQJNJWtQGөng........................................................... 71
1kQJFDRKLӋu quҧ Marketing tҥLFKLQKiQK ............................................. 73
KӂT LUҰ19¬.,ӂN NGHӎ............................................................................. 76
1. KӃt luұn ........................................................................................................... 76
2. KiӃn nghӏ vӟLQJkQKjQJ70&39LӋt Nam ThӏQK9ѭӧng.............................. 77
DANH MӨ&7¬,/,ӊU THAM KHҦO ............................................................ 79
PHӨ LӨC
vi
DANH MӨC CHӲ VIӂT TҲT
STT
Chӳ viӃt tҳt
DiӉn giҧi
1
CBTD
&iQEӝ WtQGөng
2
DPRR
Dӵ SKzQJUӫi ro
3
KHCN
.KiFKKjQJFiQKkQ
4
NHNN
1JkQKjQJQKjQѭӟc
5
NHTM
1JkQKjQJWKѭѫQJPҥi
6
NQH
Nӧ TXiKҥn
7
SXKD
Sҧn xuҩt kinh doanh
8
76Ĉ%
7jLVҧQÿҧm bҧo
9
VPBank
1JkQKjQJWKѭѫQJPҥi cә phҫn
ViӋt Nam ThӏQK9ѭӧng
vii
DANH MӨC BҦNG
Bҧng 2.1: KӃt quҧ KX\ÿӝng vӕn cӫD93%DQNFKLQKiQK3K~7Kӑ JLDLÿRҥn 2017
- 2019 ................................................................................................................... 32
BҧQJ 7uQKKuQKVӱ dөng vӕn tҥL93%DQNFKLQKiQK3K~7Kӑ JLDLÿRҥn 2017
± 2019 .................................................................................................................. 34
Bҧng 2.3: Doanh sӕ cho vay KHCN tҥL93%DQNFKLQKiQK3K~7Kӑ giai ÿRҥn
2017 - 2019.......................................................................................................... 45
Bҧng 2.4: Doanh sӕ thu nӧ KHCN tҥL1JkQKjQJ93%DQNFKLQKiQK3K~7Kӑ
JLDLÿRҥn 2017 - 2019 .......................................................................................... 48
BҧQJ 'ѭQӧ cho vay KHCN tҥL93%DQNFKLQKiQK3K~7Kӑ JLDLÿRҥn 2017
± 2019 .................................................................................................................. 50
Bҧng 2.6: Tӹ lӋ thu nӧ KHCN tҥLQJkQKjQJ93%DQNFKLQKiQK3K~7Kӑ giai
ÿRҥn 2017 - 2019 ................................................................................................. 52
Bҧng 2.7: Tӹ lӋ nӧ TXi Kҥn WUrQ tәQJ Gѭ Qӧ ÿӕi vӟi KHCN cӫa VPBank chi
QKiQK3K~7Kӑ JLDLÿRҥQÿӃn 2019 ............................................................ 53
Bҧng 2.8: Tӹ lӋ nӧ xҩu WUrQWәQJGѭQӧ ÿӕi vӟi KHCN cӫa VPBank chi QKiQK
3K~7Kӑ JLDLÿRҥQÿӃn 2019....................................................................... 54
Bҧng 2.9: Tӹ lӋ WUtFKOұp DPRR cho vay KHCN tҥL93%DQNFKLQKiQK 3K~7Kӑ
JLDLÿRҥn 2017 - 2019 .......................................................................................... 55
Bҧng 2.10 Tӹ lӋ sinh lӡi cho vay KHCN tҥL1JkQKjQJ93%DQNFKLQKiQK3K~
Thӑ JLDLÿRҥn 2017 - 2019 .................................................................................. 56
BҧQJ 6RViQKGDQKPөc sҧn phҭPWtQGөQJFiQKkQJLӳD93%DQNYjPӝt
sӕ NHTM cә phҫQWUrQÿӏDEjQ739LӋW7UuKLӋn nay. ........................................ 60
viii
DANH MӨC BIӆ8ĈӖ
BiӇX ÿӗ 2.1: KӃt quҧ hoҥW ÿӝng kinh doanh cӫD 93%DQN FKL QKiQK 3K~ 7Kӑ
WURQJJLDRÿRҥn tӯ QăPÿӃQQăP ...................................................... 35
DANH MӨ&6ѪĈӖ
6ѫÿӗ 4X\WUuQKFKRYD\FăQEҧn ................................................................. 15
6ѫÿӗ &ѫFҩu tә chӭc cӫD93%DQNFKLQKiQK3K~7Kӑ ............................. 30
6ѫ ÿӗ 2.2 4X\ WUuQK FKR YD\ NKiFK KjQJ Fi QKkQ tҥi 1JkQ KjQJ ViӋt Nam
ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ ........................................................................ 38
1
MӢ ĈҪU
1. 7tQKFҩp thiӃt cӫDÿӅ WjL
Trong nhӳQJQăPTXDQѭӟFWDÿDQJQJj\FjQJSKiWWULӇn, mӭc sӕng cӫa
QJѭӡi GkQQJj\FjQJÿѭӧFQkQJFDRWKHRÿy nhu cҫu cӫDFiFFiQKkQFNJQJJLD
WăQJWѭѫQJӭng. CyWKӇ QyLUҵng, mӝt thӏ WUѭӡng tiӅPQăQJYjQKLӅXFѫKӝLÿDQJ
ÿѭӧc mӣ UDÿӕi vӟLFiFWә chӭc kinh tӃ QyLFKXQJYjFiFQJkQKjQJWKѭѫQJPҥi
QyLULrQJÿDQJKRҥWÿӝng trong nӅn kinh tӃ ViӋW1DP9jÿLӇm nәi bұt trong xu
Kѭӟng kinh doanh cӫa hҫu hӃW FiFQJkQKjQJWKѭѫQJ Pҥi hiӋQ QD\ ÿy Oj KRҥt
ÿӝQJNLQKGRDQKQJkQKjQJEiQOҿ7URQJÿyQKyPNKiFKKjQJFiQKkQÿѭӧc
[HPOjPӝWWKjQKSKҫQFѫEҧQWURQJ[XKѭӟQJNLQKGRDQKEiQOҿ cӫDFiFQJkQ
KjQJ
ViӋW1DPOjPӝt quӕFJLDFyWӹ lӋ WăQJGkQVӕ JLDLÿRҥn 2014 - 2018 әn
ÿӏnh khoҧng 1,07% (Tәng cөc thӕQJ Nr WURQJ ÿy Wӯ QăP Fy Wӟi
GkQVӕ tӯ 15 tuәi trӣ OrQWKDPJLDYjRWKӏ WUѭӡQJODRÿӝng (McKinsey &
Company, 2019). MӭFWăQJWUѭӣQJGkQVӕ WKDPJLDYjRWҫng lӟSWUXQJOѭXFӫa
ViӋt Nam hiӋQ ÿDQJ WăQJ FDR QKҩt trong khu vӵc, tӹ lӋ Qj\ Gӵ kiӃn sӁ WăQJ
WUѭӣng 9,2% mӛLQăPWURQJYzQJQăPWӟLYjVӁ chiӃPKѫQPӝt nӱDGkQVӕ YjR
QăP 0F.LQVH\ &RPSDQ\ 1JRjLUDQӅn kinh tӃ cӫa ViӋt Nam
FNJQJÿDQJWăQJWUѭӣng vӟi tӕFÿӝ nhanh thӭ 2 trong khu vӵF&KkXÈYӟi mӭc
WăQJ WUѭӣng GDP dӵ EiR Oj WURQJ QăP Wӟi. (McKinsey & Company,
2019). Tҩt cҧ nhӳQJÿLӅXQj\ÿmWҥRQrQPӝt thӏ WUѭӡQJEiQOҿ ӣ ViӋt Nam vӟi
TX\P{Wӹ 86'QăP YjWăQJӣ mӭFWURQJQăPWӟi (McKinsey
& Company, 2019). Nҳm bҳWÿѭӧc xu thӃ Qj\FiFQJkQKjQJWKѭѫQJPҥi ViӋt
1DPQJj\FjQJTXDQWkPKѫQÿӃQFiFVҧn phҭPQJkQKjQJEiQOҿWURQJÿyFy
sҧn phҭPFKRYD\NKiFKKjQJFiQKkQÿyQJYDLWUzTXDQWUӑng (tӹ trӑQJGѭQӧ
FKRYD\FiQKkQOX{QFKLӃm tӯ ÿӃn 46% trong tәng dӵ nӧ cho vay trong
giai ÿRҥn 2014 - 2018 /r7Kӏ $QK4X\rQ
1JkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧQJ 93%DQN OjPӝt
trong nhӳQJQJkQKjQJÿLÿҫu trong viӋc cung cҩSFiFVҧn phҭm dӏch vө QJkQ
2
KjQJEiQOҿ7URQJÿyQJkQKjQJÿһc biӋWTXDQWkPÿӃn cung cҩSÿDGҥng FiF
sҧn phҭPFKRYD\ÿӕi vӟLNKiFKKjQJFiQKkQ Wӹ trӑng dӵ nӧ FKRYD\NKiFK
KjQJFiQKkQFKLӃm tӯ ÿӃn 64% trong tәQJGѭQӧ FKRYD\WURQJJLDLÿRҥn
2014 - /r7Kӏ $QK4X\rQ
/jFKLQKiQKGX\QKҩt cӫa VPBank tҥL3K~7Kӑ93%DQNFKLQKiQK3K~
Thӑ ÿmWtFKFӵc triӇQNKDLFiFJyLFKRYD\ÿӕi vӟLNKiFKKjQJFiQKkQWKHRÿ~QJ
ÿӏQKKѭӟng chӍ ÿҥo cӫDQJkQKjQJ+ӝi Sӣ93%DQNFKLQKiQK3K~7Kӑ ÿm[iF
ÿӏQK NKiFKKjQJ Fi QKkQ OjÿӕL WѭӧQJ NKiFK KjQJ PөF WLrX WURQJ ÿӏQK Kѭӟng
SKiW WULӇn hoҥW ÿӝng kinh doanh cӫD PuQK .LrQ ÿӏnh vӟi hoҥW ÿӝQJ Qj\
93%DQNFKLQKiQK3K~7Kӑ trong nhӳQJQăPTXDÿmNK{QJQJӯng nӛ lӵFSKiW
triӇQ ÿӇ cung cҩS FiF Vҧn phҭP WtQ GөQJ GjQK FKR Fi QKkQ QKѭ &KR YD\ Vҧn
xuҩt kinh doanh, cho vay trҧ JySPXDQKjVӱa chӳDQKjFӱa, cho vay sinh hoҥt
WLrXGQJFKRYD\GXKӑF1KѭQJWURQJWKӵc tӃ, chҩWOѭӧQJFKRYD\NKiFKKjQJ
FiQKkQFӫDQJkQKjQJYүQFzQQKӳng hҥn chӃ QKѭ 7ӹ lӋ nӧ TXiKҥn, nӧ xҩu
vүQFzQWӗn tҥLYzQJTXD\YӕQWtQGөng thҩSFKѭDWѭѫQJ[ӭng vӟi tiӅPQăQJWKӏ
WUѭӡQJĈiӅXQj\ÿһWUD\rXFҫu trong thӡi gian tӟLQJkQKjQJFҫQFyPӝt sӕ
giҧLSKiSÿӇ QkQJFDRFKҩWOѭӧQJFKRYD\NKiFKKjQJFiQKkQ
Nhұn thӭFÿѭӧc tҫm quan trӑQJYjêQJKƭDFӫa vҩQÿӅ chҩWOѭӧng cho vay
NKiFKKjQJFiQKkQWҥL93%DQNFKLQKiQK3K~7Kӑ QrQHPFhӑQÿӅ WjL ³NkQJ
cao ch̭W O˱ͫQJ FKR YD\ NKiFK KjQJ Fi QKkQ W̩L QJkQ KjQJ WK˱˯QJ P̩i c͝
ph̯n Vi͏t Nam Th͓QK 9˱ͫQJ FKL QKiQK 3K~ 7K͕´ OjP ÿӅ WjL NKyD OXұn tӕt
nghiӋp.
2. Lӏch sӱ vҩQÿӅ QJKLrQFӭu
&KRYD\NKiFKKjQJFiQKkQOjYҩQÿӅ OX{QQKұQÿѭӧc sӵ quan WkPFӫa
FiFQKjQJKLrQFӭXFNJQJQKѭFiFQKjOmQKÿҥRQJkQKjQJQyLFKXQJYjFiFFiQ
bӝ WtQGөng tҥLQJkQKjQJQyLULrQJ&KRÿӃQQD\FyPӝt sӕ F{QJWUuQKQJKLrQ
cӭu vӅ FKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJWKѭѫQJPҥi. TҥLWUѭӡQJĈҥi
hӑF+QJ9ѭѫQJÿmFy F{QJWUuQKNKRDKӑFQJKLrQFӭu vӅ chӫ ÿӅ Qj\
1JKLrQFӭu cӫa NguyӉn Thӏ Hӗng Linh (2015) ÿmsӱ dөng kӃt hӧp FiFFKӍ
WLrXphҧQiQKVӵ WăQJWUѭӣng vӅ TX\P{FKRYD\YjFiFFKӍ WLrXÿiQKJLiFKҩt
3
Oѭӧng cho vay ÿӇ ÿiQKJLiWKӵc trҥng SKiWWULӇn FKRYD\NKiFKKjQJFiQKkQWҥi
$JULEDQNFKLQKiQK&ҭP.Kr. Tӯ ÿyÿm chӍ ra mӝt sӕ hҥn chӃ FzQWӗn tҥi trong
hoҥWÿӝQJFKRYD\NKiFKKjQJFiQKkQQKѭ 7ӹ lӋ GѭQӧ FKRYD\.+&1WUrQ
tәQJ Gѭ Qӧ thҩp, danh mөc sҧn phҭP FKR YD\ .+&1 FKѭD Fy Vӭc cҥnh tranh
FDRTX\P{FKRYD\.+&1FzQNKLrPWӕQTX\WUuQKFKRYD\.+&1FzQKҥn
chӃ... 7iF JLҧ ÿm ÿӅ xuҩt QKyP JLҧL SKiS QKҵP SKiW WULӇQ F{QJ WiF FKR YD\
NKiFKKjQJFiQKkQWҥi $JULEDQNFKLQKiQK&ҭP.Kr
1JKLrQFӭu cӫa Cao TiӃQ'NJQJ ) FNJQJÿmsӱ dөng kӃt hӧp FiFFKӍ
WLrXphҧQiQKVӵ WăQJWUѭӣng vӅ TX\P{FKRYD\YjFiFFKӍ WLrXÿiQKJLiFKҩt
Oѭӧng cho vay ÿӇ ÿiQKJLiWKӵc trҥng SKiWWULӇn FKRYD\NKiFKKjQJFiQKkQWҥi
$JULEDQN FKL QKiQK 7KDQK 0LӃX JLDL ÿRҥn 2013-2015. KӃt quҧ cho thҩy chi
QKiQKYүQFzQPӝt sӕ hҥn chӃ trong hoҥWÿӝng SKiWWULӇn FKRYD\.+&1QKѭ
KiӇPVRiWFKҩWOѭӧng khoҧn vay, mӭFÿӝ DQWRjQYӕQFKѭDÿҧm bҧo, tӹ lӋ nӧ
TXi Kҥn, nӧ xҩu biӃQ ÿӝng bҩW WKѭӡng, hoҥW ÿӝng mDUNHWLQJ FKѭD ÿѭӧF FK~
trӑng. Tӯ ÿyWiFJLҧ ÿѭDUDQKyPJLҧLSKiSQKҵPSKiWWULӇn hoҥWÿӝng cho vay
.+&1 ÿӇ khҳc phөc nhӳng hҥn chӃ Pj $JULEDQN FKLQKiQK7KDQK 0LӃu gһp
phҧi.
1JKLrQFӭu cӫa Cao Thӏ Thu Trang (2015) ÿm sӱ dөng 05 chӍ WLrXÿӏnh
OѭӧQJ ÿӇ ÿiQK JLi FKҩW OѭӧQJ FKR YD\ NKiFK KjQJ Fi QKkQ Wҥi Vietinbank chi
QKiQK WӍQK 3K~ 7Kӑ Yj U~W UD ÿѭӧc nhӳng hҥn chӃ trong chҩW Oѭӧng cho vay
.+&1ÿӗng thӡi chӍ QJX\rQQKkQcӫa nhӳng hҥn chӃ Qj\. Tӯ ÿyÿӅ xuҩt mӝt
sӕ giҧL SKiS QkQJ FDR FKҩW OѭӧQJ FKR YD\ NKiFK KjQJ Fi QKkQ WҥL 1JkQ KjQJ
WKѭѫQJ Pҥi cә phҫQ&{QJ 7KѭѫQJ 9LӋW1DP FKLQKiQK3K~7Kӑ. 1JKLrn cӭu
mӟi chӍ sӱ dөQJFiFFKӍ WLrXÿӏQKOѭӧQJÿѭӧFWtQKWRiQGӵDWUrQFiFVӕ liӋu mӝt
SKtDWӯ QJkQKjQJWKѭѫQJPҥLQrQYLӋFSKkQWtFKFKҩWOѭӧQJFiFNKRҧn cho vay
NKiFK KjQJ Fi QKkQ FӫD 9LHWLQEDQN FKL QKiQK WӍQK 3K~ 7Kӑ vүQ FKѭD ÿѭӧc
NKiFKTXDQ
Tӯ nhӳng pKkQWtFKӣ WUrQFKRWKҩy tҥLWUѭӡQJĈҥi hӑF+QJ9ѭѫQJFy
F{QJ WUuQK QJKLrQ FӭX WKHR KѭӟQJ ÿiQK JLi PӭF ÿӝ SKiW WULӇQ FKR YD\ NKiFK
KjQJ Fi QKkQ Yj GX\ QKҩW Fy ÿӅ WjL QJKLrQ Fӭu chҩW OѭӧQJ FKR YD\ NKiFK
4
KjQJFiQKkQQKѭQJNK{QJQJKLrQFӭu tҥi VPBank FKLQKiQK3K~7Kӑ7UrQFѫ
sӣ ÿyHPOӵa chӑn tiӃQKjQKQJKLrQFӭu chҩWOѭӧQJFKRYD\NKiFKKjQJFiQKkQ
tҥLQJkQKjQJWKѭѫQJPҥi cә phҫn ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ
FyVӱ dөng kӃt hӧSFiFFKӍ WLrXÿӏQKOѭӧQJÿѭӧFWtQKWRiQWӯ FiFVӕ liӋu thu thұp
ÿѭӧc tӯ QJkQKjQJWKѭѫQJPҥi vӟLFiFFKӍ WLrXÿӏQKWtQKÿѭӧF[k\GӵQJÿӇ khҧo
ViW FKҩW OѭӧQJ FKR YD\ NKiFK KjQJ Fi QKkQ Wӯ SKtD NKiFK KjQJ ÿӇ WăQJ WtQK
NKiFKTXDQWURQJTXiWUuQKÿiQKJLi
3. MөFWLrXQJKLrQFӭu cӫDÿӅ WjL
3.1. MͭFWLrXFKXQJ
7UrQ Fѫ Vӣ hӋ thӕQJ KyD Oê OXұn vӅ chҩW Oѭӧng FKR YD\ NKiFK KjQJ Fi
QKkQ cӫDQJkQKjQJWKѭѫQJPҥiNKyDOXұn phҧQiQKYjÿiQKJLiWKӵc trҥng cho
YD\ NKiFK KjQJ Fi QKkQ WҥL QJkQ KjQJ 70&3 9LӋt Nam ThӏQK 9ѭӧng, chi
QKiQK3K~7Kӑ. Tӯ ÿyÿӅ xuҩt mӝt sӕ giҧi phiSQKҵPQkQJFDRFKҩWOѭӧng cho
YD\ NKiFK KjQJ Fi QKkQ FӫD QJkQ KjQJ 70&3 9LӋt Nam ThӏQK 9ѭӧng, chi
QKiQK3K~7Kӑ WURQJTXiWUuQKQJKLrQFӭu.
3.2. MͭFWLrXFͭ th͋
- HӋ thӕQJ KyD Oê OXұn vӅ chҩW OѭӧQJ FKR YD\ NKiFK KjQJ Fi QKkQ Fӫa
NHTM.
- PhҧQiQKYjÿiQK JLiWKӵc trҥQJFKRYD\NKiFKKjQJFiQKkQWӯ ÿyU~W
ra nhӳQJ ѭX ÿLӇm, hҥn chӃ WURQJ FKR YD\ NKiFK KjQJ Fi QKkQ WҥL QJkQ KjQJ
TMCP ViӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ.
- ĈӅ xuҩt mӝt sӕ giҧLSKiSQKҵPQkQJFDRFKҩWOѭӧQJFKRYD\NKiFKKjQJ
FiQKkQWҥi QJkQKjQJ70&39LӋt Nam ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ
4. ĈӕLWѭӧQJYjSKҥPYLQJKLrQFӭu
4.1. Ĉ͙LW˱ͫQJQJKLrQFͱu
ChҩWOѭӧng FKRYD\NKiFKKjQJFiQKkQWҥLQJkQKjQJ70&39LӋt Nam
ThӏQK9ѭӧQJFKLQKiQK3K~7Kӑ.
4.2. Ph̩PYLQJKLrQFͱu
- Phҥm vi vӅ nӝi dung: Thӵc trҥng chҩt OѭӧQJ FKR YD\ NKiFK KjQJ Fi
QKkQWҥi NHTM.
5
- Phҥm vi vӅ NK{QJJLDQ 7ҥL1JkQKjQJ70&39LӋt Nam ThӏQK9ѭӧng
FKLQKiQK3K~7Kӑ.
- Phҥm vi vӅ thӡi gian:
+ Sӕ liӋu thӭ cҩSÿѭӧc thu thұSWURQJFiFEiRFiRFӫDQJkQKjQJ trong
JLDLÿRҥn 2017 - 2019.
+ Sӕ liӋXVѫFҩSÿѭӧc thu thұSWK{QJTXDTXiWUuQKNKҧRViWNKiFKKjQJFi
QKkQYD\Yӕn tҥL93%DQNFKLQKiQK3K~7Kӑ trong khoҧng thӡLJLDQWKiQJWӯ
ÿӃn 10/4/2020.
53KѭѫQJSKiSQJKLrQFӭu
5.1. 3K˱˯QJSKiSWKXWK̵p dͷ li͏u
- Dͷ li͏u thͱ c̭p:
ĈӇ phөc vө FKRTXiWUuQKWәng hӧSFiFOêOXұQOLrQTXDQÿӃn chҩWOѭӧng
FKRYD\NKiFKKjQJFiQKkQWiFJLҧ ÿmWLӃQKjQKWKXWKұSFiFQӝLGXQJOLrQTXDQ
tӯ JLiRWUuQKFiFYăQEҧQSKiSOXұWFiFEjLEiRNKRDKӑFFiFEjLEiRWin tӭc«
ĈӇ phөc vө FiF Vӕ liӋX ÿӇ WtQKWRiQ FiF Vӕ liӋu vӅ kӃt quҧ hoҥW ÿӝng
kinh doanh, kӃt quҧ hoҥWÿӝQJ FKRYD\ NKiFK KjQJ FiQKkQFiF FKӍ WLrX ÿӏnh
Oѭӧng vӅ chҩWOѭӧQJFKRYD\NKiFKKjQJFiQKkQWiFJLҧ ÿmWLӃQKjQKWKXWKұp
FiF Vӕ liӋu cҫn thiӃt WK{QJTXDFiFEiRFiRNӃt quҧ hoҥWÿӝng kinh doanh cӫa
QJkQ KjQJEiRFiRNӃt quҧ FKRYD\NKiFKKjQJFiQKkQWURQJJLDLÿRҥn 2017 2019.
- Dͷ li͏XV˯F̭p: Ĉѭӧc thu thұSWK{QJTXD SKiWSKLӃu khҧRViWFKRNKiFK
KjQJFiQKkQYD\YӕQ93%DQNFKLQKiQK3K~7Kӑ. Cө thӇ:
ĈӕLWѭӧng khҧRViW NKiFKKjQJFiQKkQYD\Yӕn tҥL93%DQNFKLQKiQK
3K~7Kӑ.
4X\ P{ PүX NKҧR ViW +LӋQ QD\ Wҥi 93%DQN FKL QKiQK 3K~ 7Kӑ Fy
3078 NKiFK KjQJ Fi QKkQ ÿm WӯQJ YD\ YӕQ 7KHR F{QJ WKӭF [iF ÿӏQK TX\ P{
PүXQJKLrQFӭXNKLELӃWWәQJWKӇFӫD
- Xem thêm -
.PDF 
99 
1 
60 
