TRƯỜNG ĐẠI HỌC KINH TẾ QUỐC DÂN
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BÁO CÁO THỰC TẬP TỔNG HỢP
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8*9:0(;<(=%/>7/?//@%7AB(():?/(?
&6@)?/C
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ĐẮK LẮK, NĂM 2013
MỤC LỤC
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1.5.2. 7'FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF"
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CHƯƠNG I : KHÁI QUÁT VỀ NGÂN HÀNG NÔNG NGHIỆP
VÀ PHÁT TRIỂN NÔNG THÔN HUYỆN KRÔNG ANA
1.1. Quá trình hình thành và phát triển của NHNo &PTNTKrông Ana
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/>7/?//@%&6@)?/C99d/(•=+X/‰&[@
%B%s(),/94I9‰(]<W<[\0B67/&d>`;<9-o<[`91,9–<
[@(_&(>0U9>6`76&(e_&6(9*9;(7<?/<V/>7/F(
o%$@<[e()p{‹%{%<B<%^/[`7@<{‹%{%<B[\`91,<V
<e(0\(<B<o%`a9:3(B<H/`;<7()U9\—<4<V0ˆ<B[\F
–(3B<s<Ž()„/9@<[d+-•/7>/<,/@%X<B[\>
s[d+-•/<B[\3+,s%,/<B%X<Xs„<(=%>/<,H
,Bs9t601<?/(B<(&6()&6‰s/B,+X<9-•/`e<V9'/7%B(`&=(
<V7-$<•0>/<,=(W<<p()*s<V/<e‰0(<V8'/7
p&6‰(),/<._&(1,;9,73((),/\[\F
$Š/[W.<99Ž/-$/73*%(•s&5H0,1(9\/(y0\(
/>7/343H9 `I6`1(]9*s`70(69][\0–(3
(<V&6@F
‡/$;%B(():3(<V&6@7s,)?/C9(y/
[-$<9`^=%7,@(e/,(),/<'-$<s,)?/C9
3?//y/`$017/4%%ƒ_&()„/(),/<?/(B<9]0$s{>6
+;/7%B(():]9*s>/<,9•e/<,9d/[7,<B<+>(\<(),/
&6@F
1.2. Chức năng và nhiệm vụ của NHNo & PTNT Krông Ana
,    A  <  B )?/  C `7  91  +@  %B%  >  <V
,A@(0$<W<H/@0X3+,(‰(@s(p+X/
7+*<X/>7/()9*[7&6@)?/CFB<7/<4_&@
<V6&$/>7/`7\?/+>s\3+,+*<X7<B[\<?/
><W<9V0„(7%ƒ3(s+,94()^<V,A

1.4. Cơ cấu bộ máy tổ chức và chức năng nhiệm vụ của các phòng ban
1.4.1. Cơ cấu bộ máy tổ chức quản lý của Chi nhánh
B,A)?/C<*&;_&'`a();<(%<V/>
7/?//@%†8‹<#‹<F.<I&(]<W<[,/d0)Xf<p7
%^//,+*<Œ7x&?)I%FH05M5(]/[</>7/?/
/@%&6@)?/C<4gb<B[\•!!Šs!M0‚F),/94u<B[\<4
()U9\91„<sM<B[\<4()U9\()91„<sM<B[\<4()U9\()&/
<I%<,9œ/7b<B[\<4()U9\3˜(&=(/@%XF
 E.9d(]<W<[\0B6_&'`a<V/>7/?//@%7%B(():
?/(?&6@)?/C9-o<(]<W<(•,-$//„•s9./'s(&=
(@<,7_&'()*9‰&7s_&'`as/B0B(F
4
SƠ ĐỒ BỘ MÁY TỔ CHỨC NGÂN HÀNG NN
0
PTNT KRÔNG ANA


&@();<(&6
&@<W<H/
1.4.2. Chức năng nhiệm vụ của các phòng ban
• B09e<M/B09e<
B09e<`7/-•();<(%9‰&77<*&()B<@0‰0„,1(
9\/<V/>7/<B+-$;<†91,<V`91,/>7/?/
/@%7%B(():?/(?<I%()<X(:
‘#7/-•<†91,<&/s();<(%,1<9*<`-o<s{>6+;/<B<
<†(&3,1<3+,s(]<W<%><?/s(]<W<(;<@3,1<<4
@&_&'
‘8‰&7s(•,+žs/B0B()_&6(9*7<†91,(e/I((I(<'
<B<,1(9\/<B<%^/[7<B<%^//,+*<F
‘81+@%B%><VC/)[3)?/CF

os%>(p<o_&B1s7(U0)/&6>79‰{&I(a33‹<%X<F
 #-&/Šd.(p+X/7<*&()B<@0‰_&6(9*<,6<V
0Us<4@0X-$/+D3B<7/`70(V(X<s/I6(•‰@<6es
9(;<((t09*<B<9‰&3@9'0[',e6•-7s9I(s)D67(U
U,1(9\/'{&I(3+,‚s&94(7{•0{”(7()U/B09e<
{”(+&6@(<,6F
• A^/3(,B/>_&˜
&/<I%<B<'%t0+*<X<V/>7/<B<'%t0(‰/cs((
3@0s%B(7(›\9*7_&e<(s+*<X((,Bs<&6:3,'s0f
#•s0f(-[,`s<&6:(‰(),/-$<7_&e<(s(-I<,3B<7/
<B<'%t0+*<X<V/>7/F
‘,+*<$3B<7/(),/@</,7=(‰s`70<B<+*<X
<&6:(‰s9](‰7_&'`a1<(,Bs3(,B<B</@%X3+,<V
/>7/s<&/<I%Š/e`@&s(?/(<p{B<3*%(•<,<I%`
91,
‘]/o%`-&()Šd.(7`@&‰3(,Bs_&6((,B7[B,<B,(•,
_&6(9*F
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7
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10
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12
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0B6F
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2.2.2. Hạn chế
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7/<V6&D+‡/&¥@0<9:((,Bs”<<4%B(():-/
<0(¥`@(I%FB<<?/<X(),/((,B_&e<(<š/<-%,/%ŽD
<V6&`7+‡/#•s<&6:(‰[•/9@s•(&F
@<<&/<I%+*<X<-(;<;[U9œ//Š<B<(7%ƒ3(
-B<-(;<;(1,9‰&3@0f)\/<,69e$(7%ƒ
3(/,7_&e<+,s<B<<?/(6-$</,7s<?/(6`+,07<V
6&9ƒ&(-7,<B<+,/@%7-$<F+-o9e$ <B<+,
/@%/,7_&e<+,<0(¥()„/(I%F),/0f(-(p+X/((,B
$-$</,7s66&<ƒ&/>7/(;<@[',`<B<+,/@%
/,7_&e<+,(-•/%'(;<@3a_&˜M“
Ws<I(`-o/<B<+*<X/>7/<^‰&1<

Bảng 2.6 - Nợ quá hạn của Ngân hàng qua các năm
ĐVT: Triệu
đồng
†
(&
H05M
H05MM
H05M5
o{I&
Y! Y
u55
uMMg
o{I&•(]/+-o<,6
s" u! Ms5Mg5 MsM!!b
/&d%^/(p+X/
¥`@o{I&so_&B1H05MM<4+I&@&(H/s<?/(B<{c`a<B<
3,'o_&B1<^‰&1<s/>7/<-<4Š/[@%B%
(;<;019:<4(:(&d9-o<<B<3,'o76F/>7/<-3*%
(•9B/B3'H/()'o<V3B<7/-~B<9*9Ž//&d(&s
%>(p<9B/B3'H/(&s(•9:0(&oF
18
Biểu đồ 2.5 Nợ xấu của ngân hàng qua các năm
o{I&H05MM(H/YM()@&(H/b“,$H05MsH05M5
/'0M()@&•3,'/F"“,$5MM‚F
‰&69\/es “(¥()„/e<V/>7/@6`7e/‹
1s/>6343H<,/>7/(),/@<_&'()*/&des349'0[',
<>9e3™1F™1&69\/e[U_&><4{&-$/)Ž(/‹(),/3
3™1<,6[U_&>+7`70(H//&6<.)V),3™17`&I(
@ 6 


W(-`7+,<^+’+–((),/%B(():<?//@/>7/F
\(e<B7%^//,+*<();<(&\<D%'c+X/< /
()U<šs{c`a<=0s_&'()*+Š`@&3?/<,s3?/%‡o%$6&<ƒ&
%B(():-@6F8‰&94`701<9;%B(():<B<+*<X/>
7/`7+*<X((,BF
WH0`71<(),/(]<W<<†91,9‰&7(;<@+*<XF
),/<?/(B<9‰&7<†91,(;<@+*<Xf‰&%^//,+*<s<
B();<(&\<<^(&H/9\/s<4(>0`a/1)&),s(&3_&6(3
():3<B<+*<X0$F
WB&`7+,1<‰H/`;<0)3•(//>7/F
;<@<?/(B<0)3•(//>7/F),/(•/_&<B
c+X/<?/<X_&'/<B,3&6<() /<V6&•0>/<,§U'
<V/>7/§(),/<B<,1(9\/>91,s(y(@s,1(9\/(:(,s[4/
9Bs<ƒ&`?/Ÿ<W<-9B%W/&<ƒ&3B<7/(),/c+X/+*<XF
l,=6U'<V/>7/D<^0•1((),/`^/3B<7/F
B<U(W<_&'/<B,<^9.9@&s3?/%,/%Ž7<-(=
+X/9-o<9\/š<B[\`$(),/@<(0/_&'/<B,<B<+*<X/>
7/F
W['6`7+,1<‰()U9\<B[\7H/`;</@%Xs97,(1,
7c+X/&97,(1,<^‰&[I(<=%F
8\/š<B[\<-9-o<97,(1,[7['3(W<‰<B<+*<X/>
7/@91FA,/<B</,+*<<^(&3”0,$<B<<B
-$</,7s3:<',4/>7//,1( /7‰&<]%ƒF
?/(B<97,(1,<B[\0$+y/f0W<9\%X<X<,6&<ƒ&()-$<
0‹(s<-%eo%/Š_&,1<<B[\$97,(1,<B[\7c+X/<B[\s
<.<_&'`a97,(1,<^0\(e9:0[I(<=%s<-o%`a<ƒ,7(@F
2.2.3.2. Nguyên nhân khách quan
20
Š/(B<9\/{I&<V3V/,'/(7<ps&6/'03(9'
-f/)I(‰&($<pB<'%t0(p+X/<V4<&/7

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/@%s3B<7/76<V6&_&@((,B();<(%[•/(‰0–(sU
=6`701<<B</,+*<((,B_&/>7/F
40`1s<4(:(I6)•/Š//&6>`701<%B(():+*<
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():s()U9\9\/š<B[\9H/`;<(]<W<(;<@Ÿl,94s9:<4[-$<
<&6:[‰%B(():s<B%'$0<4Š//'%B%(p<o%9:
91(9-o<0X<(&99‰)§%B(():s(,77@&_&'§(),/<`-o<
%B(():+*<X/>7/F
21
CHƯƠNG III : ĐỊNH HƯỚNG HOẠT ĐỘNG CỦA NGÂN HÀNG NÔNG
NGHIỆP HUYỆN KRÔNG ANA TRONG GIAI ĐOẠN 2013-2018
3.1. Thuận lợi, khó khăn
3.1.1. Thuận lợi
,A&6@)?/C<40\(9\/š<B[\<?/>
(7(1,‰<&60?/@%Xs(B9\%X<X`&?(=(U<&9B,$
((ƒ()B<@0<,9`707ª^/$0„3B<7/
H/9\/
(),/<?/@<s0„<…s<43'H/(p<W/9e$Š/(6
9]s()U9\(%(&<&60?<,.F
8-o<;<†91,_&(>03*%(•<V<I%¥sxl<B<<I%s<B<Ef
/7(,7(:(y(†9<.f(1,9‰&3@(&=`o<,/>7/,1(9\/
(e(91(9-o<0X<(&3,1<F
#&?`&?(;<@<B<<†91,();<(%`7,A(†8H3#H3F
8d/(•<4;ˆ()oe9‰&,79(1,9‰&3@(&=`o<,,
A&6@)?/C(),/,1(9\/3+,F,A&6@
)?/C(-•/{&6_&(>09@<<&/<I%<B<+*<Xs'%t0
0$•09B%W/&<ƒ&3B<7/s+,/@%(),/9*[7F
‰3(@(09/+ƒ]9*s<4+I&@&<V;(H/()-f/F
3.1.2.