nâng cao hiệu quả cho vay tại quỹ tín dụng nhân dân vân canh - Pdf 23

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 !"#$%&'()*&&+,
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9: 9:%&&;<,=>8&1?/
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&/@+D;ECF:?G(2H4
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N(2%C.:(I^*_
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iE+(9C$
iE+9($
iE+49O;
MJO?.,?(9C7,:929:7,
M$,F),:929(;,C?.1:
:929(.?+:92j++')3.-9:
?9?0,v1CF::0(4;
 !!"
/*&4/5$9C1:/<(&C20(&,
&0(9:0+;/CF:$,
NR1:.j'+/189j'1:
%;NR1:MM9C<%&;
  
E+(9C1:.9O5(29:&(&7'3l
F:(NR:;C7NR'I'.-_9C7
<9:,?;
NR?9(9CH+F::
BM,3.9CG0(47%^w7r-F:$
?9(9C7,NR,;
/0,/B+$+5)34NR=)+
59C$/=<NR,1+&9C$=,NR=)
9(9C1e04/512F:;
E($,NR&:(9CCBM7(&_
iE(I%7F0BM%u=l+

9(_9(='$9(=';
)* "#
X(&4 #`sxXiE7F::':
:(^ x `x`ww 9%0(&9(7NRC9,:60(4`
(2H*'/9(7NR1:_
ih,:9(9C7NR.'uO9C9(@O
J6-/E?.IJO;
iE:/?C9:169C9(@5+6-/E?.I
JO;
+ "#
%9(J1:*)Gz9:0(&49(7
NR$I5f1:M)NRG{$)/,,9:u1>,
BC(//0,/B9(;
G,9':$%9(9CI=_
ih,:.=1.,.1-FT1:9F9:
4/,FG0(47.,.1-;%:(?0(4
O).,.F9:,F9(9CNR$
iaOJuO9C9(?..,.$
iN=:J'/?/5+6&$
iN=,D$.*,349O9:=
0$.U?.90(47.,.1-$
i,0(4'%9(G0(47NJ.79:
e7NR;
 "#
5+9(1:/<0/V/E?.I
JO<NR9:,:;5$5+9(?J
,:'HD-%9(&5)/&?C9:169C
9(6?-/E?.IJO;/C/5?.5+
  
1:5NR9:,:U-9:,4;/2*

-+MJO(/B/534;F(1:B
M9(-<,:9(?5(2;
  
N9(/=.1:BMJO$G=,NR.z.,
:/C1:%1D/5+JO6-;N9(/=.
5?,.OC9,9(/9::+$:/?:C
4j:1F'%;
1234 "#
r639(QrS_1:v1.D/<C1?M?/lQrS
9C9C9(.,/QS/5l34$516
3?JG_





 =
5678"956:-  "#
9(.?:1 :E?.IJO;E?.IJ
O.=D(7,_%9($BM9($C%9($16
3$5+9($BM'$,/4:'$.*M/?9:
<&,?,'2-;
=,,$E?.IJO1:-'b9'<NR
9:,:$G=NR3.-),:?uO%7
B/5349%=:/?7?
C9:16;aW.*M9(=eE?.IJO/2;
E?.I'%9(1:&7,:9%9uO:
<7B)89O/?C9NR;E?.I'
%9(?>&,:=''b:9NR;E
($,NR5uO,1+E?.I'%9(_E?.I&

&7NmR9%9(;m,,A4.=D(7<>7
5A4$NmR9:=,-7},C;
c1 ',,A4$NmR1',,A49:I*
9(9C9:/B:'I*},C;
c=0(&49(7},Cj/'JO$NmR
',,:92120'&9%0(&49((9(;
&6=0(&49($NmR+E?.IJO9:E?.I'
%9(QE?.I&3.$E?.IDCj''16S;

-?I*9(9CNmR()&$},C=/,
Gz$2M',,A49::'3(5:1=120;
//5?.D&$},C=)A41+j
NmRA4&.<.DK&$D.';
c2M$},C0(&49(j9(C
9<=9(0(%.,0(&7B;&0(&4
9(B',NmR)',,:'&;&0(&49(B
',,:'&)&>E?.IJO;c=$},C
1+:'I*NmR;
},C.4/,9%0(&47B;
iC9<=9(9?0(%.,0(&$},C2M$
Gz~/{>&7B9:/B:'I*9(9C12mJO;
  
cmJO6Gz9:0(&49($},CM
9:'2'V.z(9(7mJO)>ER;
 
mJO&.-I*9(9C},C/B12$mJO=
/,Gz',,A49::',:1/I*9(9C;
/5?.D&$mJO=)A41+jNmRA
41+;
cz($mJO='2'/{0(&49((

h,:9(9C=)/?/+;/5?./?/+$
NR9:,:9(9CD-9%C16%9(./
9?0,1636-/E?.IJO;
/5?.(2F,0:/??@+$
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h&l+/?j&@5+9($&,:9(
9C=/?@+9:?%Pl+?j
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{9:='.,)CI?0,+;
#%?56
c/&?C9:16j?9(6?3.A0(%
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9(I5():'I*9(7==9:1/<:1;
@A.#B$.3$.C"#
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@OJ9($/+:&3.'%9(;
XW1D)/,'%1 '2'1:M19:I*J
O;aW1D)/%1 `12)1I*9:u,:;
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&6-/E?.IJOb/,/7//,J
O7NR;
DE%?".
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FGH. %2"#

iR49O/,$
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/5%$+C9:9:$.9Ov,9:+1>$
9:49O')$49O93€;
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:=:,+NR=(2DNR$
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N,49Ov,:(:(:.,/)+$3.,
+7NR9:D6;Mv,7NR
.O9:-<NR9:,:;49O:(9
1:1?-7NRI5/0<NR9:,
:;
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:9':$9C'09-()%$j'
&=1:<%1.();m2+=9

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B6.,/)70,/B()4*3&;
$%NR+/59J,%7
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+7.$M$,F,/%&;
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/*=<.I9%BB,$1?$9
1:$D%j$163$v,;;;/2*=$F:/*=
<J,%&J?.9BBO)5l;
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+<,0C/99:/2&;)W/?,
.F+/9:Z494/J7B/2/5
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%)%%2(34567342829+,6(:%
E09(?)G8@1:9C9(NR,.M4.
5D(79C.9:?.9:0,/B3
$49O)+/C%1*:/?NRQ/7?
C9:16S$//7.J9:=1?-;
E09(1:,9O)Q=)?150C
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?Gz0<P24J@,:$
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/@+$//D(7C9:16$j/$31?
NmRz7/B,,,:jCB1:$,
(2F'3,;
EC.F,/7/?U),,+&/7/.J
,:$M1:,,.F,/7/$ /9C
,:jC,:0,1;EC.F,/7/?uO
+,,;$=0(4NR?,
:9(0, |‚9C=7B$?9(0,|‚9C=C
9C?6;&=9.++:/2BNR'4,,
/B/+3:;
)5$
?0,+9:v1?0,+/2?;?0,+1:?:
,:/?O6&+-/2?.IJO;
h=?/?9:l+?$:'?CK1+7?.
I~?():?0,+;
?=K9:v1=K/2?;?=K1:?0,+
9:•GC2J,0,l+?$j=:
'$j:'',?$?1W/%2$.,
€
?0,+9:v1?0,+1:P2/30/V,,+
7NR;?0,+9:M?0,+.,31?:=
Q9(S/3/{z;?0,+9:M?0,+=&&
07NR/+9:*1;v1?0,+/2
?9(7NR+5)34f.,+
:7NR;&v1?0,+0,1$9?0,+34
BNR~j../7/39C$+9(7NR
=/29:&0+7NR=;
  
v1XEƒQ?0,+x?9(S ww‚
m2+=$),,+9(:(NR$=

hV.,/)zG'&1/2%1899:
:'5C6$+/+7NR;/<
  
0$*/B+,+NR$,.O6
?0F;5=$+%NR&:+7B
=$J,$'5u1>.9O9:+%9
,:~?3.<49OC3;
K@-&# ! "#
h&0+9(7NR5?,J/2,P2_
i r?-$
i X(JO$
i N*3JO$
15P
NR1:.$=O2C,1?-
1:O2?2j'/%&4/5(;
aV./*&4/5P=)I+9:.,/)'b
=16;aNRC=16B7(&16
?,9(.1*.J;)1?-$jNR
.BV'.,.$j,NR..J.9O7
B;/%+/($90'.,.
1639(1:==)?'D&,NR%/M
+/094/163+/;
Q.R78
X(+9(7NR.,BB+9(
7NR$9%C1??)0,P2O)_C
9($C?9:?9(7NR+5),,;
),,0('&7NR$DG{9:,,P
2=G5;
ƒ „ i
0478

NR;)01>C09($NR.)/{,7<
FC31?09($15?M
7=;
K$&#
L7#$9
h,:1:5=DuO9C7NR;h,:
C?,.MD(79C.U?.9D395
+9($1639(?.1>$7O=;
/%&4/5($,:1:FC0/V@
A(.,/)9:41F:/+7NR;R=$NR.
J/09,:/2*0+
7,:G1+0+7NR;(2$D..F
J,,,:PP$J,)&.-?<,:=
31?'9C9(7NR?D@;3
<:(~++9(7NR:9:0;
h,:+=0B:/?%
9(NR7C9:16@+$~1:9K0(9CJO$/
09CD$0I9C9($09(7NR;

  
L7#'
73$78&#'
NJ,JO7NR1:C,'.,.120&9
&/*JOj+&JO)+O26?+4
7NR$+&/7/$':/7NR;9-($
'3MJ,JO:/%&%.+^O2_1?
-$:J/7/9:1:+7,JO;
m3MNR:C+?,O2B.
+4,/{/:J,.U?.NRB),4
.*uOI9C=$)+/:=31?J/7/;

C07NR9,3.J0(%4.*$$:,$9
),;;;b+%01>9CJO=0;
4%5$:!
E+7NR:(:.,/)9:+$uO,.*
1:92&$+29()V,'.'=72
A+M$.9O(2$=&.9:,.OV
2&;
/B,'01>%:9:NmR+&~C
&31?A4JO$,,@09C9($
%3'.,.u1>4.5=,BC'31?(/;
R78
/2*<6 ?$,'%:=)/
<0(&4@H9%9DJOj'.,.D&12
0&9G{01>I?;
@A.3 $!:!
N,),'@.,'%:9G@*
&$0&9:@.,.1-;aj,$,'%:.,?=$
11+/+JO$%3'.,.H.O4.50
)/$),'+7NRC$=0
'1?J7NR$&.+2;
F31?)/$),'~=..DL9:
9F09(;
K$$#
73$"997&#)9U
<J,%9::J7:J.,.1>
9:NR'.FG;h:=7/*C/JO
BNR./9(GTj:+&JOB
NRf.2P3.:;
  
$

0&34B'M9</+/;)=)
,.MC3,(2D74/5$.<DF
  
31?1$7C9::*&01>&$&+
,&,:K.&,(=$/&'4$F((%
$BKuO9-1$/0(3,J
?.;<+:(KLC1?19CD$%9?
0,9C=7.;hH.O=:(.
=)B&NR9(9C)6DD7B;0
+JO$NR1:&DC<.94/5;E
0I9CJO7NR3..=9/K0/V
/9F31?Vj70,/B3$@.
.,.MD4/5$=+.WM
9<H/+/;•{/:99(7NR+%
./3$F31?.A9:Z494&
7B/+/;
+"U3<$A&#
C1:(&C0/V/.,/)&7W0C$9:
?1+%&:.,/)~+/:%9C;NR1:7)
J,.MD9C3;NRM/(,
I9C+5:/W/6$0.9OJO;NR6
3.9C%+&$,.M,D9C,4.
50,/B,3;5+JO=0$,
.=%/3$,.O$&,(=
&'4$31$F0&=..DM
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  
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