






 
i


ngày hôm nay.
     B, M       B   là
   
 tôi và hai em tôi ; luôn quan tâm và lo
các . ó là .
, tôi xin   tôi. Mhai
chúng tôi, cô con gái  con trai mái gia
 và mãi . 
thành công hay  
 cùng tôi. G  a con thân yêu 
mình .
Tôi xin chân thành  
Ti  ng
  y luôn theo sát,    
n này. N 
giúp tôi tìm  ,   và  câu,
 trong quá trình 

 ,  
  . , 


- TChí Minh 
 , 
 này. Tôi cng các 
 MFB4B - Tr
Chí Minh 
Sau cùng, tôi g 
cho tôi 
,  tôi  

(viii) S h vay vn còn d n ti thi đim  (ix) Doanh s thu n năm
iv

2012; (x) Chi phí năm   có sáu nhân  
D
và C2012 
    : 
 
2011 





v

vi

2.2.2 Phân tích nghiên cu thc nghim s dng lý thuyt Thông tin bt cân
xi vi cho vay h nghèo ca các t chc Tài chính vi mô 26
2.3  . 30
2.3.1  30
2.3.2    33
2.3.3  34
2.3.4 Thái lan 34
2.3.5 Ngân hàng  37
2.4  38

GII THIU V NHCSXH 42
3.1  42
3.2  43
3.3  46
3.3.1  46
3.3.2  51
3.3.3  54
3.3.4  56
3.3.5  61
3.3.6  72

XÂY DNG GI THUYU 75
4.1 Khung tip cn nghiên cu 75
4.2 Gi thuyt nghiên cu 76
4.2.1 76
4.2.2  77
4.2.3  78
4.2.4  78

5.4.9  102
5.4.10  102

 104
6.1 m chính trong nghiên cu 104
viii

6.2  105
6.2.1  105
6.2.2  106
6.3  106
6.3.1  106
6.3.2  107
6.3.3  108
6.3.4  109
6.3.5  110
6.4  110
6.4.1  110
6.4.2  111
6.5  112
 113
Ph lc 1: Danh ma bàn chia thành 4 vùng theo Ngh -CP112
Ph lc 2: Các mu biu trong hong tín dng ca NHCSXH 116
 132 ix

Trang 77
Hình 4.4

Trang 78
x

 
3.1


Trang 48


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 5.1

nhánh
Trang 89
 5.2

Trang 90

 
Trang 92

CARD
 
(The Center for Agriculture and Rural Development)
Ctg



FDIC

(Federal Deposit Insurance Corporation)
FED

GB

GDP
 hay GDP (Gross Domestic Product)
HT

xii

KFW

(Kreditanstalt fuer Wiederaufbau)
KVMN

&XH
và 
MF
Tài chính vi mô (Microfinance)
MFI




1.1 và lý do 


    
nghèo mà không có b


                














                

a Bang-la-der de Braza
Brazil, Bank Rakydonesia,  
  Thái Lan, Bank Pembangunan Malaysia (BPM)  Malaysia và Nayoby

 


cho vay 
Chng  Gii thiu tng quan nghiên cu

Trang 3

1.2 


trong 
 
i)  
NHCSXH;
ii) NHCSXH 
.
1.3 
 tp trung gii quyt mc tiêu nghiên c ra, các câu hi sau ây cn
c nghiên cu gi
i) nhân D
NHCSXH?
ii) nào
?
1.4 
  chi
nhánh 
D
 
và 2012. B


1.7 


C1   
trong 

Trong 
nói riêng
Chng  Gii thiu tng quan nghiên cu

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sách  

này .
 , 
tr   NHCSXH
 v chm v. Tin là các ni dung liên
u t chc, mi hong ca NHCSXH. Chi tit v 
trình tín d c thù trong mô hình hong ca NHCSXH s
c trình bày trong phn cui C 3.
sát trong 
NHCSXH g 3
khung   
C4 
 
5 trình bày k 
K
  

sau:
2.1 ngân hàng và 
này
               tín
  
trò 
Chng  C s lý thuyt nghiên cu

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2.1.1 t
a. Khái nim tín dng


 này  qua hình 2.1.
Hình 2.1: .

 
(Lender)


(Borrower) 

Ngoài ra, 


3 
-  


- 
- 

b. Bn cht ca tín dng
 hai 
sau:
- Th nht 



- Th hai 


Chng  C s lý thuyt nghiên cu

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c. Chc năng ca tín dng


 Th nht chc năng phân phi li tài nguyên


- 








- 



 

   

d. Vai trò ca tín dng
Khi nói 
 và 
, 

 thì

 Tín dng cung ng vn cho nn kinh t và góp phn thúc đy sn xut lu thông
hàng hóa phát trin.


 


 


ngân
 
  
.
Chng  C s lý thuyt nghiên cu

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2.1.2 
a. Khái nim cp tín dng
      


chính, bao thanh toán, 
b. Khái nim tín dng ngân hàng
     T       
 
các 

- 

- 
- 
c. Các nguyên tc ca tín dng ngân hàng
    : K  
 :
 Vn vay phi đc s dng đúng mc đích đã tha thun trong hp đng tín
dng và có hiu qu kinh t.

phát  - 