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LỜI CAM ĐOAN
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7! / %7 /<)=;>)9?
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LỜI CÁM ƠN
L#      7    (M  N&  D  O  7P  @  Q    R
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


MỤC LỤC
Trang
^J'_`La_99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
^J'K`b999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
`c'c'99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
[_d`c'eKeJfgMdhd$i99999999999999999999999999999999999999999999999999999999999

CHƯƠNG 2: PHƯƠNG PHÁP NGHIÊN CỨU 30
3959*dJk*?kdJ„'…g999999999999999999999999999999999999999999999999999999999999999999999999o4
395959+0-F99999999999999999999999999999999999999999999999999999999999999999999999o5
395939+0-F7./99999999999999999999999999999999999999999999999999999999999999999999o5
3939*dg*d†"$r‡ˆ‚[‰J•g99999999999999999999999999999999999999999999999999999999999o3
393959".QX&>9999999999999999999999999999999999999999999999999999999999999999999o3
393939*%-@O9999999999999999999999999999999999999999999999999oo
3939o[Š-&T‹%%-999999999999999999999999999999999999999999999999999999999999oo
3939z9";ŒU•_Ž999999999999999999999999999999999999999999999999999999999999999999oo
3939x9L%-9999999999999999999999999999999999999999999999999999999999999999999999999999oz
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
CHƯƠNG 3: THỰC TRẠNG RỦI RO TÍN DỤNG TẠI NHNo&PTNT
VIỆT NAM - CHI NHÁNH VÕ NHAI THÁI NGUYÊN
o95?dIJZgI**hddhddat*L•?Jd[a_d'v_q
dr•dJ•"$r"dI**uJfdg••$‘d_J*dIJ
g•„9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999o{
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o939*d’'*utdat*L•?Jd[a_d*tJd“"**$J•*
_`'dJdIddg••$‘d_J*dIJg•„99999999999999999999999999999999z4
o9o9*d’'*utuvJua*|[c*tJd“"**$J•*_`
'dJdIddg••$‘d_J*dIJg•„9999999999999999999999999999999zz
o9o95*G-2d“"**$)%9999999999999
o9o93*Gd“"**$)%*
(+99999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
o9z9?k*ZgK"dq*|'d*dƒ?„`•*K$rd”JZg•99999999999999999z{
o9z95*;+& &>+0999999999999999999999999999999999999999999999999999999
o9z93";&U•_•&D-F(;
-2-!1d“"**
$)%*(+99999999999999999999999999999999999999999999999999999999999999999999999
o9z9o9?#&-F& 89999999999999999999999999999999999999999999999999999999999999999999999999999

Hình 3.1 e2&(™0%d“"**(!$)% 39

DANH MỤC CÁC BẢNG
Bảng Tên bảng Trang
Bảng 3.1 ?1-2%d“"**$!%&
d(!$)%*(+B345463453
41
Bảng 3.2 *88(-2;N78%d“"**$)
%
42
Bảng 3.3 *88-2%(d“"**$)% 43
Bảng 3.4 `2;1%d“"**$)% 44
Bảng 3.5 *88-2%(d“"**$)% 45
Bảng 3.6 *88/1d“"**$)% 46
Bảng 3.7 *88/DAd“"**$)% 47
Bảng 3.8 "7&>-H%NC 48
Bảng 3.9
"7&>-H%N8-2XA
48
Bảng 3.10 `%D%(; 50
Bảng 3.11 *š7!(;.› 51
Bảng 3.12
"=1(;
56
Bảng 3.13 "_a$_;A 56
Bảng 3.14
d!;.Q1%%(;
57
Bảng 3.15 F@8%;.›-


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.Q&.CM&#7%A7./M&
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.C‹H&›+ O˜.›%H
C9L0.C88-‹M-PO.Q&$!%&
% 17VM-&0AA‹
#˜(QH&Ÿ(+9
$)%7&2(!2<*(+M /7&2˜
(!¢%*<MY%1%-T‹˜@.C#-#9
*G#-‹‹G-‹‹1%X% !
"*# * Œd4“"**Ž$)%\*(+M
@•!(-20;H%(!<9*(
+-277 G-2%(&-W(
9
d7!7&W-2%
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$!%&‹d“"**$!%&d(!$)%*
(+‹+7A-H1FW1%&Y-#&!
3
‡ABA%-HM%Y%7&!
 !"#  $!%& '(!$)%
*(+M -T1(-FX-H£"Giải pháp hạn chế rủi ro tín dụng
tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Việt Nam Chi nhánh
huyện Võ Nhai Thái Nguyên "7 •&-0-PO
G%GŠMB%&%YG-2%
!%(9
2. Mục tiêu nghiên cứu của đề tài
• Mục tiêu chung
LH+0-GA-H•&8&%

 %7A -=V,-7G%X;x %7A-=V,9
6 [˜7! /D¥7V@•W&H&:"::9:%&T‹%
7&˜7!¡1%%£
6 L-2(%-£-2(%%- /-
1%!;'@%%7%M1%-‹@ ¦/¡@F7%
-¡ /A!;'@%%7%-(+W9
6 *N7;¡ /¥•&7@O@C@
-7.Y -(+W9
6 ?#&-F(%& 8-2¦/™#%&
89
6 "=1(-%@-#D-F(;.›-
(;‹.›1%XA9?A%‹%7
5. Bố cục của đề tài
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‹%7 /A@;.Q£
'.Q5£V7Q@H%*.Q&
'.Q3£".Q+0
'.Qo£*Gd“"**$!%&
d(!$)%*(+
'.Qz£%!1 
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z
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CHƯƠNG 1
LÝ LUẬN CƠ BẢN VỀ RỦI RO TÍN DỤNG CỦA NGÂN HÀNG
THƯƠNG MẠI
595?dIJZgI*$pqdr*dsb`tJ$r'I'atJuvJua
*ds^w"
1.1.1 Khái quát về Ngân hàng thương mại.
d*`7&2™0%H!&-2(

9
1.1.3.2 Hoạt động sử dụng vốn.
*HF.YMd*`GA¤7&2%!8
(%7/7&+-W;¦9L#
%7/8d*`@¥
%=;&2!-#!1A9d-2%(7
-2Q@-N&7W7C7/d*`9'd*`¦
=;-T(-2 /-#%(B-‹7/+Q›+
7!-W-W%9*G!!(d*` 
˜-TG! /0DT2%&8 1%!&›2
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1.1.3.3 Hoạt động trung gian thanh toán.
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1.1.4 Các loại rủi ro trong hoạt động kinh doanh của NHTM

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Nguồn: Tổng hợp của tác giả
Hình 1.1: Mô hình những biểu hiện của rủi ro tính dụng
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M%(9u¡D(%@+‹7/ 8&
@‹&© ‹(N.C‹7/&8@+
©&.  ‹-7G-#%˜%&-‹9e+
-‹MH$!%&M-2#&.%#
&@PHM+&-‹ 
@.%G!-W(-N1(-F%7+™
0.Y~‹HD% 
A9
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-2%@+%&%9e+‹7/H ;RN-(~
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%.Y-%(X¥H%( -ž&-&
7 #& /9*B-‹(%™A
-2 !1M~;8 /9
1.2.1.2 Đặc điểm của rủi ro tín dụng
6RRTD mang tính gián tiếp:*1%!M
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&2Y%A-F9$8(M¥;%&-
55

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- Môi trường kinh tế
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%!H¤87(+>-
uu*[9
- Môi trường tự nhiên
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1.2.2.2 Nguyên nhân từ phía ngân hàng
5o
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9
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*0AM-‹7Ÿ&-FM%(#7 Ÿ&-F6-
7.Yuu*[M /G!&%A80M -ž
&0A-H(9
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1(89
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1.2.2.3 Nguyên nhân từ phía khách hàng
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-%(M;&S
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0R˜‹%9