TRUONG DAI HqC TRA VINH KHOA KINH TE, LUAT VA NGO4I NGO' BO MON KINH Tf, BAO CAO THU. C TAP TOT NGHIgP PHAN TiCH TiNH HiNH HI Y DONC VON vA cHo vAY TAI QUi rit ngllc IHAN IAN PHUoNG 3 TITANH PHO TRA VINH, TINH TRA VINH GIAI DOAN 2008-2009 cir)ng !i'in lrudne din: NGUYiN TH! CAM LOAN sinh vien rhuc hien: NG UY6N CAM TUYiN LdD: TRUNG CiP HACH TOAN K6 TOAN B (THO8. HKTB) Khda:2008- 2010 56-* o",no.lttlsn 'ri;&l*'rg1 LOI NlO DAU eEQ<r NEdy nay rhudng Dr.ivii dich vu ndichune. dich vu ke 1o6n kiem lodn n6iri6ng d; rro rhdnh nc"nh I',iF r; qu-n ,,.nt ,hu hur su qudn ,im (n- nhieu quoc Bi nhrr la cl. nudc ph.r rriEn. Tron8 cone cui. d6i rr(i' rd hn nl'tp quu, i \iil Nar cnng $ons rhi rd,\ lh \r rh( ,x, )eu . ! r D: rhcoxr h'rong do \iic ddr mdi Lhone ngtng hoiin thien he llnngke tonn thich nghi!6itCu ciu dedll ra. Vithehien nay l.i co! ruJnts l,une ' io., rn n;is \d nr 'l( -;L fr rhuog r,,nl' dxo r,,o nginh ka todn vdinhiau ciip d6 khdc nhau da phuc vu clo qu6c gia trolg tu(nle lai. Trong khi d6ltuahg Dai tloc rd vinh cnng da vd dane nang cao trinh d0 day \a l^c cho 8i^o \iin vd rnh lin id rrl_g. Do \jr nhx rruop luon luonrdodiaL kien cho ch,:ns en dap lhu nhiing kinh nghieDr ben ngoii dd chtng en hidu sau hm v; nginh ni binh danghac. HiCn nay vier Nam cd ril nhiO{ co quan ddn !i vdi quy m6 nh6, vna vn ldn nen ri. Jn hoar donp cir ,"6 nniitrr' ll 1\iu ,r nhifi ro njoci,18pH, c;lncobo phen ka roin !idey li yau 16 qu lrong cLl.ci1c don !i. vd dn th6.do ttri mong nu6n ci! cdc nhd.lqanh Dshiop. c,ic rhd dd! ru cins li k6t quiL cu6icnng cna querinlr ho diDs ki.h doanh. Vi $a dua lio thqc liang d6 cna crc nhi domh nghi€p Viet Nam cnns vti su giing dey va huOng din crla cic thay cO trong ltultng Dai Hoc Tri Vinh, .cn em dd chen cho ninh dirii"PH^N TicH TiNH HiNH HUY DoNG vdN vA cHo vAY T4I QUi TiN DUNC NHiN DAN PHUONC 3" d6 ldm dd Gi chinh vi cdc don !i dau mons mu6n kar quiiL or6i cirds ld lqi nhuan n€n n6i do vi .ldu.phdi co nhnng phums phdp hoat d6ng rions cho minh- liong d6 don !i qut lin dung nhad dtu phuong I cnng lij mot lrons nhrng co quan c6 cac yCu ld ma qui tin du.g ci! c6. Qud 6 Luin thqc dp rdi di] cnr h$ dtrdc ih nhiou kinh nshien tu cr:c anhchitrong coquan. vi cnng nhi' qua chuyiD thuc tap cu6i kno6 nnv cn da ich 1u)' cho ban than minh khong il kinh nghiqm d; lhuc !u cho c6ng viac lumg Iai cna em LOI CAM ON ')fOcle Thi,n tho6t mA dd k'l thnc 2 'im hac Trong 2 nad iac lai tru'ng D?i ltac TF Vinh vdichuyen ngnnh ka to6n, ching em {ta duqc hac viL b6 sune ki'in fitc rA char che va ngdnh !Av. S\t truven da1 nng ki6n fttc hliu ich d6 sc la hath trang gruP .io* "r,i *"a" ,n, n- n-, cons vicc sau niLv Dusc nhu vav ln nhd sq cht d4v nhi9t O"n "O" at' at "U ,'""" t*dng S{ nhiet tlnh d6 chinh liL dong lvc chn v6u vd mqnh me cho ching em kong c6ns viec h9c tap ngiLv cang t6t hd Neoii-rhtng gii, lqc r6P tai tdt'ng' €n cdn 'luqc 1hlrc tAp 6 tuin tai qui tltr dUng rh-tn dnn phutng 3 ruv dnv h mOt khoing thdi gis ngin nhmg em dA dtrqc i* iut a, *ti,itn *nte' qui si6 tt, cac anh chi dde tam viic tei dav De c6 dusc nhu vE, hudc hA em xin gdi ldi c'm m cban thd'h den: " - 7 """ otr. "t* *dns Dqi ltac Tri vinh rld t4o di'u kien 6l nhit cho em r' cam d c6 NsuYtu Thi cin LoaD lu6n that nhiau ki6n thirc ki'h nghicm qui bio CO da1a-0 chudn bi cnng nhu honn rlli'nh bli bAo cto nav dung nl'6n dan Phudng 3 dd tO " Cam on cic c6 chn dnh cbi troDg qut tinh hu'ing din em lrong su6t qua dnh thgc 6p' giip dd va hon dong vicn em cuiii cnns em xitr kinl chnc qui ihav c6 diji diLo srh krDe vn gal bdi duqc nhi'u inanh cong t.ong c6ns viec vn cuoc s6ng- '' Em xin chanthdDh cin dn' 6n tinh huddg dan vd truY'n dat diau kien rit nhiau trcns tt'/i sian r' Cnng t6t cd qul thdv c6 vl nhiing nguo' ban ftan de kh6ng rsing chi' s€' NEAN ST, DANE GIA ctTA DoN vI THI,/C TAP Tfir nhh, ryat.t4thdne aendn 2010 6j ftn, Ddns dd') f,,.'''\' l,%uirilo 'l .taro \ ?fludrr :M i,5'"G,ua? MVC LVC PHAN Md DAU PHAN NOI D(ING 2.2.2.2cicloaiEisu; indune: 19 2.2.2.3 Cdc y6u t6enh hums dan hi suir rindqng 20 2,1 PHAN l iCH t Hr C IRANG Uy trvNu \O\ V \ (HO \ Ay: 2l 2.3.1than tich rhuc trans huy ddbe v6n vd cho v.y tiiqui rin dungnbanden phumg 3. ,., ,., ,.,, , 2l 2.3.2 Thuc frang cho !at tai qoi rin du.g nhen dAn phumg 3 _ ,,.,.,,.,,,26 2.4NH0NGTHUAN r,Ot vA KHo KI]ANcUA euYTiN DU.lc NHAN DAN psUONc a Lr6N eu,{N DIN HUy DONG v6N vAcHo v y 29 2.4.I Thuad loi _.29 2.4.2 KI6 khd!. ,,,,.,,, ,,., ,, 30 2.5 MOT SO BIEN IIIAP NHAM NANG CAO ]IIljU QUA HOAT DQNC TiN D('NC rArQr v ri\DUNUNHi\D\NpH d\C r. t\NppHOll{A vrNH, TiNH TRA VINH __'.____ rr 2.5.lBienphnpne,rsmonsu6n!6nhryd6ng 32 2.5.1-1Taosu1innhiQnd6ivdikheclhdne 32 2.5. I .2 Chinh sicb liii $,;r. 32 2.5.1.3 Cbidn luqt khdch hing , , ,.,, ,32 2.5.1.4 Da d?ng h6a cnc Iinb thtc huy d4ns !6n 12 2.5.2 MOr s15 bi€n ph6p nane cao holl ddns rnr duns '' '' 32 2.5.2.1Xaydmechinhsichchov.yc6hieuqun 33 2.5.2.2Thuchiendiydnquytrinh1indung 34 2.5.2.3 Nane cao chil ludg cdng rnc lhinr dinh , ,35 2.5.2.4 Tnuc hien diy dir cnc qnt dinh vi dAm bio dan vir ,, 35 2.6 iT]UONc HUdNc vA cIn6N I-UoI'IRoNG TUoNG LAI cU QUi TiN DUNc NHAN DAN pHUONG 3 _ l6 CHUONG III: KEl LUAN v KIEN NGHI 38 3. r K6T LUAN 13 3.2 KIEN NCIL , ,., ,.,.,, .,, :J9 DANH MVCBIIU BANG Bdlg r: Ttnhhinl ngudn{6terai do?n 2008-2009 -"" " n BAng 2: Ttnh htDn neudn v6n vd huv d6ng v6n eiai doan 2008 '2009 24 Beng 3: BAne chi ticu d,nh gid huv dong v6n giai tto4n 2008-2009 25 Bdng 4: Ti hinh cho vav cna qut {n duog nhan dan phuihs 3 slai doqn 2008- 2009 , 2? BAig 5: Tlnh hinh cho vav ng6n hqn vn trug han gili 'to?n 2008-2009 __ 28 DANH MVC SiIE :' b 1: So d6 ouv trbh cno vae t'5ffioi""ai ** n*'*" ffi. .ffi;, s" a ti *'t" ho4t dons qut tln duns nh6' den put"g 1 ;{ fFl'iifrrr,s"a*,.e. . : ,-E .: DANH MUC Tr'/ vr6T T,ic - UBND: IJy bd nb6n den NHNN: Nge hAdg nhd nudc NtfiM: Nsan hdns fttrdng dii NHNN-PTNT: Ngan hAng n6ng nehiep. Phdl triCn n6ng thon CNH-[DH: : C6ng nghiep h6a- HiCn rlqi h6t SDQT: Hoi dAns quen td QTD: Qny tin dltng vEL; v6n didu lC vcQ: v6n c& quY . VTCTD: vay 6 cht tin dung , \aKH: V6n l(nrc . VHD: von buy d6ng ' TcDc TitD e,jd d6n cu KKE: Kh6ng tt hqn TC<I2T: Tian ern dudi 12 thdng Tc>l2T: Tien gui tr€n 12 th{ns TGTCKT: Tian gti !c 6 chl?c kinh 6 IM & DV: IllMg n?i vA Dich vq PHAN DAU 1. sv ciN THIET CtiA MoTDaTAT + D{lvln da ngbicn cfu. Trong qud lrinh hdi nhnp kinh le. cnng vdi xtr lb€ c6ng nghiep hod. hien dai hoi d; 'u., ,,.a. " u. ,d .l'.nh lu' n ,lo,'L vJi ri u. ne vi!. Out rin oung L hdr trcns nhnng ra chuc riLi chiih qu.n rorg. Vi vAy, hoat dons crla cna qui 1in dung di doi roi ph.r r,i;- (,rF r; ci" \a l-n,. \u l.'nl' r.'nh \x nieu q,J ci- hi rhon8 qui un dung dnh huore dil rrii bn hur, uilJ \ Lo nrn .ilF,;. I adc leu.;u dr, rJ doi hdi Ie rb6ng qut tin dune phnirsiycins nang caochir ltoig vd hoAD thi€n hd cac hoal Jong lrla ninh Di d.r u 'g nhu.iu koig rlor (J r'ur r'un lr lor rcl' ll'u! iu cho n.;n kinb 16 viet Nam. Kh6ns klic gi ciic do.nh nghiep. hoa,1 dons kinh doanh cir qut lin dung cnng bu6rgrdiDuc dhh cn6ici,ng liiloinhuin. ViOchuy do.g moineuin v6! nhdn r6i da . 'nr lrp lho L4 rl' 'nh DF;1 rr lhrr I nh re .1i!u ron lA vo . rag ir' \i; \ino rru! r(p lhJrn e d v"n \;_ \u i (rrr ,lornl'. ton dn' u du.c ro rir,c S,rm rl'iir rgtr(P. lJo c6ng An viec Dm cho ngti'i din. V;n.o rri rro rn ql"r r,1s,,org Jdi ;1g k,nh ri xa ho, v;n l; cn .i. n;l dns dd rd chtc maihoal.lOns irons nan kinh 16. Moi dat nudc c6 riam lft v6n manh * rJo da pl'.,r rriin Lirh rl:bin \r;. He,h;oe \lllV ? do, li r., !rng lJP'on cho nin!'nh,; \i ,,.ded:ynh.nh u nsh,ip.\h - HDH o nuo. l'. do, I'n, h<,hJrg NHTM phii tan duns khai rhdc det da moi nsuAn vi5n nhiiLn r6i o ca 1rcns nudc vi neodi nddc. Nguoc lei, von l4i lt .d sd de ngAn hans 6 chnc noi hoat dong kinh dodh. Do d6, Deoii v6n ban di! cin thi6t, nsin hddg phri thtrahg xuy€n chim Io tdi \.ic ldrg r'rdig \or' !org.L { q rr I 11r ro don8, ra r"rn\ Vr( hn rhi rro Ji rane quy n6 ri chiit luong v(in huy ddng lu6n la v6n da dudrc quan lam bdns tliu ci,a cic NHTM VIETNAM. Tian lvcviv6n ftong ncn kinh t6 E lat l6n nhungda thu hit dultc liLdi€u kh6hg dm sidn vi lren $i tromg nsiy cing c6 nhiau cic NHTM, cdc d chrlc rii chinh (qui ri6r klOD bdu dien, qui tin duns, c6ig ly bao hidm .) c.nh tranh nhau cing phiit nidn, say kJ)6 kh,D cho cdn8 lic hq dins v6. cna NHNN&PTNT VIET NAM n6i chug gip nit nhiau kld kllan, ho trgd dh biel ld su.anh tfinh gav sat cnr c,c NUTM MO [...]... o\ ) r r n t r tbi ctinb0 1indunechuyen h0 sd chobi pIAtr to,n rhuchiennghiep hqch b0 k0 vu todn roin.lhanh kii lo6n qui rhuchjergiiinsin chokhiich Thi hing.crn bilindlDg vaosa theod6icho rhunq !ry Bn5c3: Kian tr., gi:lmsit vn xtrli > Kiomtrn, siim sitv6n !.y: nhiem kiom , gino siitqudtdnhvdyvijn.sn t Qut rindhs noichovaycolrzicn dlnSv6nvayvdra no cLla khach hdng nhimd6ndilckhichhdng rhu.hi.an tingvd... Chich6; VDL:v6ndieulC vcQ:vijncdc qut VHD:!6n huydong VTClD:vdy chfc tindu.g 6 VKH:v6n khiic v6n Quabins s6 lieutrenra tdnsngu6n cnaqui tin dungnhan phuidg3, dan qua nrn dau 2 tang nlifr d"idarn chohoar bio dong vaycnaqui tin dung,nhucau cho vayv6n crh ngua'i tong dia bdn dAn T6ngnguaD cr:ia Lindunsrinhd;n ndm2008tir 9.082 qui v6n rieu dijns,nrn 2009 13.07? ddng dal lri€u mricling sovdi ndm2008 99%su8'a... Lra hrOckhi cholayr litL rhimdinhcdcdiaukienvayv6n$eo qu, viec + KiCm rrong ho vay: kian rn viacsidingin lheocrc tiandO tra khi thuchi€n duin, phddns'in: kiamrrahuc dichrn dtrng va), rian tfonskhiginingan + KiiD 1rasar khi chovay:kian lro mucdhh st dungrianva),saukhi cho vayjkiam hieuqu, dr in, fhuon-q ki;n rrahientrang siinitdmbAo vay tn ini tii tian (nau quydinh phdithqc nghirvr linr dambio nd) hien... !iva, cnnscinthia vedovaynangcao quaphan tdi td ich hie! ticl -cls rr,,e diu cho( ijc -gdl hig nh;n r, cr-,nh \;n di quan B.im.hiiu rui ro.mng v c " o h i rh r m g nd r n gg d p p h i n o , p l ' ,,r, ; n ( i nI r ; u Cnng xuitphrtlt li dod6.en dechon tii: phan tinhhtnhhuy.tinev6 di tich vachovay tai Qut tin nhandenphuong 3 + Mgctieunghion cnu: + M U c l i Gc h u t r g : u gi6 thandch diinh hoar dains... rin dung, ddng ldn ti6nvay(rruorc p db lay c6 bio dim b;n8taisAn) hq? brLo ho N6u khingchovay lhi cdnbi rin dungphdid6ng bdochokh:1ch hangbiat.Khoinvay vudlquran phdn qtry;r laphdid,ing dungxen rhi ri xar Thoigiin rhiD dlnh: tong rhnieiar kh6ng t 0 ngd), viecd6ivdi chovay qu6 tiin nsin han,kh6ncqud45 ngiy d6i ldi chovayrrung h.n ka tt khi qut tin dune ddi nhan dnh6sova! viSn te diy hqp Budc2: Phii danvcy... hinhv, iindi!h 2.2.2.3 y6ut6 nnhhunngdanl:iisu{fiin drne: C6c + cuns vadan du vay + Mtc 16 ro r.ons fl:i viechointri va)n + 56lugng vi thdiha.!ay vay + Mncsinhldicnanenkinht6 + Ihu chingan siich + Chiphihoar d6ng ngAn hdrC * LAI SUATTIiN vAY NGANHAN 'Crn -Hutug danva lai suit lhod ct llOngtu 0I/200/TT-NItNN 23/r/2009 ngiy thuen t0 chitc dnng cirr tin d6ivdi drovaycic nhuceuv.inpl)!cvn ddisi5ng, vay cho. .. hing d, ndi sin xu6td€xcn xdtkh6ch tan xu6ns ndi kh6ch tid {3)CanbO dqng knons xufukiohdoanh hinscocosddasdn vdi adv (4) CdnbOtin dunglaptd tiinh thim dinh,quv't dlnhchokh6chhAng v6n dric vay PhnhqpvOithuct6 bd tin dug rrinhh6 sd vavcho ldnlrdao is) Saukhi hoid chinhbOhii sovav,c6n phn.g(Gidm.iijc havChntich hOiding quin fii) ki duvelchovav (6) c1n bi tln dungldchbOhasdvaphaivav chokh'ch hing cho Quytrinh... noidune nd cic eu:ngudichovay chul,an nsua,i.lilay cho I n o r u o n B g i a r nih i , d n h g i r r , 1 J r , , ' , 1 ' r r , ' r 1 h r h ; i r i i n r i ( h i e n i mh o " L l r k a r o ih r n hh dh i i n\ i j rn l h I n C, o r n 1 )r o \ , l ' a ,D i 1 | d , , i d J n ) r r \ g ( l | d r \ x ) \ l r J r r - \ r ' \ r J - e r o r gn L r o g i n n h nd i i h v u l l i h i t I phdilri chongui'ivay... r o r gn L r o g i n n h nd i i h v u l l i h i t I phdilri chongui'ivay lhdigiansndung theo thonfiuindguoidivay Cia td hoinft lhdng tln.ong hongialLil,lcchovay.n6ih6t cdch ldi khric hon phii rrdlhenr phinl!'ilLrc nsuitidivay nor 1.2.2.2 Hinh thncc'ix iin dtng: (lh€othiti hln) + Tin dungngin h:in: C o , h d ih x nd u o iI n , - r - , l u , m t , l ' , , u J ' t r , ! , l ; 1 nv " \ b " , L n... vAhruir! h0sochout: Xn GVHD:Nguyan Cin Lo Thi SVTH NBu):n c;,n Tuyin 'IHO8.IIKTB Chovay h loaihinhtin dtng nghicp crta rin dung v! qui trongd6quytin dune sechongdiiidivay n6r yt v 6nd0 sin xuil kinhdo.nh lu hoac dnne diu tieu Khidan h r n n g u J d i \ a )p h r , t t r i n r , d n \ J r ' 1 , t i i a , ; r , , ,d I n et k n u r d u o c g u od i n , v.y, kiam sodt dudcqu6rrnrh du.s v6n.igrdi di vayc6i thfc . lli hit lhdi gian sndung theo thonfiuin dguoidivay phdilri cho ngui'ivay. Cia td hoin ft lhdng tln.ong ldi hon gia lLi l,lc cho vay. n6i h6t cdch khric hon nsuitidivay phii rrdlhenr. drng. gdpphin v.o, pl'.,r ,, ;n (in I r;. Cnng xuitphrtlt li do d6. en de chon di tii: phan tich tinh htnh huy. tine v6. va cho vay tai Qut tin nhan den phuong 3 . + Mgc tieu nghion. huOng din crla cic thay cO trong ltultng Dai Hoc Tri Vinh, .cn em dd chen cho ninh dirii"PH^N TicH TiNH HiNH HUY DoNG vdN vA cHo vAY T4I QUi TiN DUNC NHiN DAN PHUONC 3" d6 ldm