r?u
v54t
TRU.ONG D4I
HOC TRA }{NH
I{IOA
KINI'I TE-LUAT VA
NGOAI
\GU
'BO
MON KINH ri
o0o-
B/io
c^o rHr/c
TAp ror Ncrpp
PIIAN TICH
TINH HINH
HUY
VON T4I
QUY
TIN DUNG
NIIAN
VINHKIM
DQNG
DAN XA
GVTID: NGUYiN TIIANH
TRiC
SVTH: MAI
NHU DUNC
LdI: CAODANG
K! ToAN 8-2007
Kh6a:2007

L2.I. Khdi Nifn HLy DAng rin , , ' '. TranA 2
I 2.t.3. fiin
ari
cd
kj roa
- Truns1
t.2.4.4. n n
sni
iA beh Trana 5
1.2
a
J. hu) doagvon bArgwh \a) fraaC5
1.2.5.
Ac
yfu
Ti; iih hdnE rdi Hxr Dihev.;r bahs 6
1.2.6. l/ai Trd Cna Eu! Dine l/iin- - - - - - - -, '., - -' bane 6
t 2 Ygt
"n
to. HL) .tonBraa Trahe'
t./.
)
wat
so.ht
rPL d.nh
2t.
ht,
u
4
ta

2.1.1.2.
Aun
Tnnh Hinh Thinh ft Phdt hiAt h an. l0
2,1 .2.L1nh rE hoat d6hg kihh daahh, Cht c Nahg vd NhiAh vu Cna
QTD
l/inh
1.2.2 Phna toqi Hq Daae
v;d
1.2.3. Ldi
Sr6t Ha,
D,5,9 Ydn
1.2.4. Co CAu Hay DAns I/6n Tture3
|.2.4.L TiAn
g
cnakhAchhmg ,- -, TranA 3
|
,2.4,2.
nin
gili
thahh
ban
2,1.2.l.Linh vvc Hoat D6ng Kinh Doa"h Cna
Qui
Tia Duhe NhAh DAa
virh
Kin
Trang I l
2.1.2.1.1 HL!dtuavin: TrorcII
2.1.2.1.2D4utu1indrlng Trana12
2.1.2.2 Chtic idhg

2-2,1.SoD6KiTo.ih hahq21
n. Phan Tich nnh Hinh HUv D2Nc
vON rqi
QTD
vr|hKim TtukC26
23.1, nnh hoat d6heEongbahdh
e;h
dd!
(
20A8 20Aq .TranE26
2 3.2. Tinh hinh hu! d,nc in .
Ttuhs 28
2.3.2.1vijnhLj,dAngbinsiins1ii tuane28
2.3.2.3 viih hu! .lOnC & ttunB tunE fi nguin 'jn khdc . Tt dag 3 5
2.4- Ctic
cidi
phip
aaac cao hitt
qt
l ht!
.16hc in tai
QTD
vihhKin nanq36
2.1.1.l/, chtlhsach khdch hnhq
,
hahg 36
). ).
r'i
h nh thi. h4l,,ae\' T'angJ7
2.4.3. I/A SndunAldisuat linh haat

qua qu.
inh
qd"'
;' 'u, r; cn d. d'l h dro. n iau \inl ne'iam
'nl;r
rT rin.hin r\lnh cim o
,.j
rl;r.
ii uunts D"i ho. Tr-
vinh
dd
4n
rinn lhi
b;o \i
rryan
dar r}rg \ian
rhr.
)
a u)i. \ r'e \:- ront L6r r\oi
Bir
em ho-
rai
ruors. Dic bifl la
gi&
vicn
hudng din hien
gio
cna en da chi bao cach lh!'c bn bii
bro cao n6t crch nhier rinb kti €m kn6ng hiau v:n dd d6 da eh c6 rha born lhien bd
En xin chan fiann cin @ bd lanh deo ci'ne leF th€

cn th€ h€ mai sau dC chnng cm vnng bu6c lrdn con duog tudC Iai sau nay.
Kinh
chic ban
ldnh dao ciing
todn d'd
nhtn lien
Qui
tin dung Vinn Kim lu6n
bodn lhrnh t6t nhied !u cna ninh de du hoaL d6ng cn.
Qut
tin duns ngay cing
ph6l
rriin
vd
\\or
g
ilnnC nd r^1e d i', rh
i
r c nf" l' \m ud di
t'up
do bi ,on 6n
dinh cuoc s6ng ddne $di
phil
lridn dolnh thu.n!
Qul'linduns.
DANH MVC
BiXG, SODO,
BIEU
DO
So

sd tiCa:
BdnE I : Bao
cdo kL:t
qud
hoqt d'ns
kikh .loanh cid
QTD
vihh Kid tuitu
2A0&2009 ._ _ _ _
Ira"g 26
864g
2: bang iih
gti
cna khdch
hahctorgfi
ngoai dio ban
- banc28
Bdne3:B,insiansA&|-6th,ine
.
-
trane 30
Bnne4:
B,tnetiih
giitii
6
12hAng
.
-
llug 32
B,irs5:

Tw
.
hang35
Tlahq
22
Tranq
23
Danh Msc Tt vi6r Tic
Tn vi6t tic
QTD
}.IN
IDQT
KTV
TM
TK
CK
TT
BTC
TG
Tt vi6t day dn
QUY
dn
4lg
DH! d8tr
HOi d&s
qu.n
ti
KC to& vi€n
Tias n|t
T!6ry tu

;
co c .uc I J
mg
lqo
dgip
ra gdp pl
;
giai quy6tvigc
Iim cho ngudi lao d6ng. Mu6n lih duqcrhi c,n
phdindid6n
su h6 try
d;cluccnanhidu nsrnh, nhidu c6ngty,das6pm6r
phinr;1j{h
cho nsudilao dons.
X:hoirr.nph;r
lnon
d il^ip'i.d 'h;nr"ibflcd,' apl.ai orju6n
\6n
di d;., ru o a;\ clinh
"
\;i,,ll.fr
iltr\
O'.:,,n
".1!
n
.
d ro
iqla1r.rg
trongIcnLinhra Dol;.guo rig-l \^r',.'nl cl"r^.i'6nir Lrhl;di.' duqc
vd.

cine dum ndnc
caoilhu nh6p cna ho ngit cmg drcc 6n dinh hm !i ho kn6ne cdn
pbiilam
lio
cinh
ba.
-n. d6i.\. \': hu rrrnc d;". n'c- do l;i,
g
in ddng l; ai. re
ne xa hoi tai dia
phdd& g6p phin
lin 6n
(l!nh
rA n,n!cao chir luqne
cu6c
s6ng dd
c6 tha thco kip su
phdr
ri.:n cna ndn kinh ta cd nudc. chinh vi nhiric !,in dd d6 mi en
chon
Qny
rin duns xe vinn Ki'n ldm ddD virhuc rip d6 cnr c6 Lhd rim biduthcn vd
Qny
tin dung
nol
cach
cin te
h@. de.n c{j rh€ng|ion
cm seu hm
qud

r'ar'
osodo oi
D6l s6gidi
phaD g6rr phin
hoanlhian vii niingcao hiau
qui
hoal done Huyd6ng
cnaQuilin dune
qua
d6g6t
phengiiitdd
Quitin
dungnhan dinxtVinhKid
f.iCn ngiy cdng ban
ving.
Phentich kh6i
quet
kdr
qud
hoar d6ng kinh dounr cn.
Qui
lin d\rngnhan din xa
lhin ticb linh hinh huy ding
\'6n
trong ba
nnrn 2007.200E.2009
Da ra m6ts6giai
ph6f
nangcaohiau
qud

Phfm
Vi Nghien
Cid
n\'"i Ju'
rrd.
ti,nr rQ-j rdr!' J'drn 1;
\'r'\
K r' ;pcha\a. \5
Vinh Kid, huyen C;uNgrng,Tinh TIi Vinh
sri|truph:nrro.: :.un!.it
'rpli
s.
l
roir do c
iImlliVoIiih
"ki
Thoigian nghianctu da liilirngly 26lh!.9
4 den I
th6ngndm
ndn 2010.
D6r'r.1,jillrln.n.hn\;u\alirh u.llr. J1J\"n\,
n
.or'
iplap
di khic
phuc
tai
Qu!
lnr
dung nhen dan xa \,inli Kim

\-ir \iin c:a
Inon kinn I toc
va
duoc lul r,u'in,u r) 1a)
\anl
b
l\d.
n dung r,;r
ph:r
tu.hJ In,nh:
Creditium c6 nghia It tin
tu@g. iin nhi6m. TiinS Anh L Credil. Dudc
phiip
Iual
rnnd nl'in rhco nphi aulil
281 2li()
\,D
\oxn
lJng nhr nu' . ,,< 06 2n00
cud
rhang
I n
d.,ls b
iu hian
r" ban neori u .Ie.
gLo quJ;n
,u ,1.,T
;i :in
eiio
nsuni ,\o vqv

lail6n d6 dudihinh
drfc cho
vay
de b6 suns!6n cho xi nghicp cd nhAn c6 nhu
ciu
nhtnr
phuc
vu
cho san xuat kiDh do.nh liL tiau dnng. Nsoni n v6n rin
dung an h
noOnr6ndlu
r9"-nrrorgronsli,
\rc\.jr.ioir
lionc
pham
vi
rorl br lil I nl,
;.
rh,ln r.,ii
lJi
\
h,iin ri
dudi h:nn rht!
nrdunsdroc riu! hien o:1. |,a .;,
-
dnl;rp^irtucIip\;phinohoigianricp.
rt.aa
pt,6:'nr
,.r't
d\i

c6c
16 chfc Li chinh lrung
gian
nhd: Ngan hdnC.lrqp
ric xa tin d!ng, cdng ly tAichinh.
Cd nhiauhinh&tclin
durc nhu cin cLi
vao
Ooihan lin dung, c?in cti vao d6i
tudg tin dung. Ctn cri vdo
lnuc dich sn dung
y6n.
CIn ct vao nr'ic d6 rin nhiCm
dia
phan
chia n nhia! hinh lhrrc in dune.
1.2. Huy
DOns V6n
1.2.1. Khdi Nieh HtryDong v6n
Qui
lin dlre liL mot ti chLl'c lin dung lrun8
gian
hoal dOnB lrong linl wc lian
te vAL
giao
d!ch. Hoal d6ng ch,l
ydu
!i rhddng xuyen c,la
Qui
rin dung D nhln lian

tan
gl;icd
k'
hen va
khons ki han.
1.2.2. Phen Lo?i rluy DOng V6n
HuI d6ng li€n
gtidrn
cu: Nsoi,insuin !6D rr c6
Qur.
tin dung nhan den xa
Vinh Kim cdd Op lrung d@c n61s6 vin Dhen 6iraicha cna nban dtn b;ns hinh
th\tc huy d6ng v6n b:n-q ri€n
Itidd
cho vay 1ai ch6
Gi
ki han vi kh6ns ki han).
Cong dc
n")
.,j,
duac cl-L,rnie. dr,
c r.m ld,na rrong d.lne diau kiin di
Qut
r,n
dung ron rai va
ph61inen,
vay
Qui
li'r du.sTrune uoslinh linVinh:Benc4nh ngu6n
v6n

gnic6l,j
han Ienh lei h;Lng
drnrg
Eisuat thap hd 0.03%
so
td1 r;in
sti.
\au
rnr
'!d\
h,n
Ou)
r'n dunB { Urdu .ru
p\iin
liLi duoc hudng
sudt k}ong ki han.
).
lai
Tian
erii
c6 ky hln n6u rrit lrudc si duoc huo_q lai suil c6 ki han lai rhdi
diam ru. r:in. nhdg rh^p hm u ", so
'Ji^\rrd
;
'-;rda
duo! c. nC; nsr) rl-oi
die'n
gnilian.
Ti€n
sni

Ki han 8 thing: 1 .00% thdng
Ki han
9
thdns: 1.00%
th6.g
K' han
l0 $ang: 1.00% lhing
Ki
&r
I I thAng: 1.00% lhing
Ki h4n l2lhdng: 1.00% 6ang
Ki han lran 12 th6ng L
I % thiDg
l.2.4.c0ciu Huy DOne v6n
1.2.4.1. Ti.n
erii
cn. khdch hnng
ra s6 tian cna
16 chfc cd dhai
glii
lai
Qui
rin dune
bodc rd chfc tr-hac cd
lod da.s
Nsd_ hAne du f ,nn rf.(
|
;n i u,
(lo-e
\r

di
khoen
sau:
Tidn
sirithanh
rodn duoc
phan
,nh vio
lai
khoen vdi
ien
sai
'lii
khoan tian
sii
thanh lodn hodc dikhoin
giro
dich.
Gi
khodn
s6c" d
vier
Na6 ten
eoi
phd
bi€n
c0a taLi khoan ndy l?L Tei khoan rian
en'
lhanh loan"
li.n

d6ldpldl linh
cdc
siriy
ro cd
gia
nen s6lian
gnico
ki han loainiy dddc
phnn
dnh
vaoAikhodn
"6
chric 1in dung
ph,r
hanh
gi:iy
ri' c6
sir''
CAc khoin li€n
gniliel
kian drrc
phnn
enh vao
c6c tdikhodn c6l€n
goi
"
lei
khoin ii€n
gnid€t
kiAn"

tin dunS se rla
lai rh lhrp vikhong
chn dong fdrc c6ng tic cho !a)_
Mlrc dich
crn
y6u
cna loai liin
gni
niy ll thuc hian c6ns viec chi 1rd.
thanh
to6n
lrong hoat don-q sin xuil kinh doanh vi tiau dnng.
ginn
duqc chi
phi
trong
dranlr to6n, bao
quan
vd van chu)en rien.
Uaivo.
I
.;n In;yO-j r[dlrgrh].
r\rone \u\en
'hu
.hi r\eo
y.L.;u
cLla lJrich hans ncn
phdi
rhco
ddi cic nehiep

gti
ma
phrlLi
do
ndl s6 ndi. Viec
phet
hiLnh
rnOt s6lian
-qrii
mdi cho din
Sni
c6 ki h.n cing tuds
lrnhu\r;
nh"l
h.nJr.n.r.hun€ ch
r;n
r'r 'r
lh^ l"o,ho\i;,
f\dr
h;n}
chi'ng chitiin
gni
d vier N.n thuds rap Lruns trons 'n6i
tl,i,i
gian
DA cdc
Qui
tin
dune muon .rog rhdt
\rn

Qut
lin dung thuihg dp duns
chinh sdch lin lri Ei cho khech lins
nit trudc hln
Ld
n,tc |n
srir
rh,ir I
n muc L.
"uiL
rt".
,t'udl
t ,' d;r
O,j
rir
dung co rhe ri,
Iai
trudc cho khdch hing
gni
tian n6u ho nuiin hotc
td lai thco thnng, hoic r.,
Ei
vio ngiy dao h.n !i rian
e,ii
c6 ki han
ln 6n dinh trcng n6t rha'i
sian
ndn
Quy
tin

Itt
ki:ro
16n'!Tnlunsdouj.r.dung.hi-p,i.,ngl.,:-!u
ii: I im
co kJ h?n
Tien
e,ii
tiel kiem c6 ki ha. nsodi liic
rA hi hang rhdng cho khiich hins.
rhumedikcmLdi nr! dic1,L,li: ii l
a,nn.onhxoria, \iuarr,l'ume
Tiin
gni
r.;r In r
.
i,,s
g ing
nl,u riin
Cn:
!o t) ld- ,;L rulr.c h4n
sa
droc huoe lai :L;r ru
()
hdn
,r ,hn.
d.cm ru.
I
cn nn.,ls .;p Fc
0
-".o

tin
dung thuoc di! bd xa
LaJ
rl'onsqrqcho\d\
nrinh.no.d h,,,h rl,u, Li.;n\6n\;chovaykn
.A.
Qir)
1i! dung
6m
thdi mir lha ntng chi
rriL. Trong d6. Il1i ci! v6n liL hinh
rhdc
cAp
dn
dudgc6biodam
Qnytin
dlnglruiguoignh;D cune nns viin
n-ein h?n !i
phu68
khi
can $iel thi
Qut
lin duns con
iliL nud,c horc
Qui
lin
dung trune
fien lhanh 1od. cho ctic
Qiil
lin dung thu6c

ro co
!
1 du.c
duni ldn d"n Dr" l; rr
p
i,u
kho bdc nh: r
'o-
$ cl'ua uri hr- hsll loril l foi
gi@
cho
vay
cia
Qny
tin dunSlhiinhd hd horc h;ns
lhdigjan thanh todn.
Cac 6 chLtc 1in dung cd lh; !r! v6n c,la nhau vd
cic t6 chtc tin d\ng nudc
l.2.s.c{c\6uTdAnr hudnsrdi
HrJ Ddng\6n
Bi1 crt n6r i6 cb,:ic 1in
duns Uo muiin tOn rai vA
plar
ti6n di€u
phdi
c6
n-hnng l(Jloan dan bm d:u dd ldm
phuons
Lien clo hoar d6ng nhu mua
siD tang

l6u
rii
rui
ro
l?L su
sidm
nhanh nsuin vijn d:n d6n
mal
kha ninS rhanh loin rai nra,1lhi,i
diaD nio d6 nau $6n3 c6 sul.o
ginp.
Hoar ddng huy dnDe v6n
chlu 16c d6ng bdi c,c nhin ti5 canh rmnh Nsudn
vijn v{ti crc ng6n hdng
Osar
haing d6ng nghiep. nstn hdnc cnne
lhuong ) nhnng
hod dnlc
e;r
d4
(ho
1"f c r r,., |
\c
ni ui,,' .ni diir r" md,h
nc md uong do
canh tnnh cho vay
lii chn
liu.Chinh
srch ngu6n v6n
da duqc chutrors, mang ludi

\aj rdr
dn xua! Unn doai '.
s
. .tu1ir a"^ l\ok.aovidoi"onp,ir
;nh\?n
$l cdg thu hnl drm nhia!
drinlr vien lhan
gia
vA 1ao kh, nrng6D dirh lengchic
cho
qut
lin dqng. Khivi DO
dudc nrd rilng vi
phit
triod,linh chat aD toan cna
v6n
,;ns Junc Jim b;o
rh
ur
, n
cja
OL)
i
du,,
;x; JuJ. n;ngc"o.
Trong ciic hoat dong cia
qui
tin dung dri
hoat d6ns huy d6ne vdn d6ng vai
ro;L

ddn dans nhin r6i dem lai tlod
lai cho c6c
khoan rian lei cho cAc cA inan. cac 16 chfc kinh
16. Ddng $lti cung
v6n da sAn suil
kinh domh
,
Lhnc diy ling lrumg kinh 6.
nang cao dtii
si5ng
nhan danvdmanslai
ldinhdan choQny tn
4rng.
LuOn dac
ra muc ri6u vi chi6n ldoc cho hoal dons huy dOns
v6n dnns din,
hqplhin6 so nang laildl
qurL
cin thi6t
eirlp
cho
Ql
D ngay c6ng
ph6l
trian
1.2.7.
^_guy€n tic nuy dong16n
Tuan thi
quy
dinh cna

va
d6ivdi m6i dq1
Thdc bi0n dnng vd diy dn ca'! kal
v{ti klnch hdg
ll,u hin.l. b.rnp-"pxnloor
r.':r-r
clal'td
|5;ntlrorBhu) drngv;n
Huy dOns
v6n
g;n
lian vdi sn d!d8 !6n, ki hoach
va
ti€n
dO huy done !6n
phai
phn
ha!vdinhucan
sndungv6n Lnngfioili.
1.2.s u(ir
\6
(hr
riiu dinh
sid
hiiu
qu,
hut di,ng
rJtr
Muc dichthuchie! dritidudrnh
girhieu qua

Chi
ti€u ilrnh
ei6
t6c .iO huy ilong !6n
'lleo
rh6ng lu 49/2004,.rT-BTC
ban hdnh nsdj,03/06/2004 cna b6 rai chiin
thl chi rieu dinh
sia
roc .l0line
huy
done v6n cb c6ng thtc sau:
Si ta vin h ut, it1hg
bilh.luan.ia l2 thdng ndmnn,
Ti;c da tdns h'r d6ry
in
=
(
-t
)x
100%
Sadrv6,
hut itihe
bltL
quA,
cna 12ththg,dnttu(t
?i,,g dd:
56 du
v6n
huy dOne bao

quin.it
t2ttuing hitn tu!
T6c dA fins diu kviin
=
(-
-1)t
100%
Du t! cho w! rd dat tu
aiii!
td ut
ani
binh
qua,
cna
l2thdne ndn
trtrdc
r/o,a ddr
Du no cho vay
gin
c6 cho \ a) crc 16 chnc kinh t6 va
ca
nlan
lrong nu6c, cho lhue tii chinl lghiep vu chi6c kh6u,
can c6
gi y
to c6
giii,
iliu tu
veo crc
gidy

Hinh Thnnh vi PhdtTridn
Cna
QTD
vio}
Kim
2.1.1.1. Dia ChiDon viThrc Tap:
Tcn :
Qui
tin duns nh6n
dAn xa Vinl Kin
Vi€r rdt:
Q'l)
ND
vjnh
KiD
Dia
chi: Ap ChiLVi,Xa vinl Kin. Huyen
Ciu NgaDe. Tinh Tra Vinh.
2.1.1.2.
QunTrinh
HiDh
ThinhvA PhntTrian,
XA vinl Kin thu6c huyen
Ceu Nsans c6
quOc
16 53 chay
qua, phia
D6ns
giip
s6ng Ti€n,

U
C6ng Gi6o vdi 7,148
giilo
dan chidn 43,7% r,ing s6 den: Dao Pha12.409 phat
lli.
, nam ld.l00
r6nc,6 din:cdo D"iuu,
-,
uu rrc"dan hiir1.8""rong.ooan.
X, c6 di€n tich tu nhi€n
3918
ha,
dien rich canh dc l89l ha, 70% lim n6ns
30% cdn lail;m nganh nghdkhrc
Dra bm loar d,inr .ud
O-y
I
n dune n1"1 o-n ^d \ i Krm
g6T
<
r; V
ni
Kin, Kim Hoi. Mi Lone Bdc huren
Ciu Ngang !ixaHdngMi. Ptu6c Hdohuy4n
cl-;u hinh Neubr
d;n
\609
bing c rrl. r-:: rr-ng ir. ,,s ,fau.
nuoi ron-p
thui sdl' chin nudi. bu6n brn nh,]. dich vu.

o, J.1'truntdy
00l
ooo.
\r'
ron
b-n d-u l|
l00rieudbng.do lglhinhviendangs6p.
Cu6i nhi€m ki 2001-2006 v6n
di6u te droc 298 deu rong d(l vi5n d I
lridu
d6ng'd' lin
rtu.
c6
phi
r
rhudq
\L, nr ld r4J rhll d^ne
l0
VAo lhang 5/2ool dve sdk6lo?ch
diulucip
eiliy
ph€p
uu dt di! lu .
Nlm2005 than
siahiep
hoiQli
lin dudenhan danvi€1Nam.
vin hdie 12
1005 du.c
nC;n

Kjnh Doanh Cna
Qdt
Tin Dqtrg Nhan D6n
Ori
rrl o rp nhin din Vrnh Kim
hoa. doo8 rhco co
(ha
kinh doanh ume
ddi d,y dn, c6 chnc ntng huy
ding moil$oan Iien
gni
cna moi $enh
phin
kinh ra
rt do J;L
ru
Indungnri
\unhuc:upnrLrri;nl.r'h
E
\hi
nruc 'a ndDg
fion
cnng vdi cnc nghiepr!
lhanhtodn
gdn
cichoal d6ng nhr
sau:
2.1.2.1.1 Huy.rOngYiSn:
Khai thdc va huy ding r6n cna moi
16 chtc dAn cu lhudc moi rhinn

lors nguon
.on.
L
Oir)
ri. Jur,r l-r
rin
lJ, ding
liir
guic!"
kndch
l-rrs
c\,aT
d
.onC ld nhir. lJn i nsuu,'
.nr
. |
)i
I
c:r cur un dung.
ldn
hu)
dong tlo diau kien fiu4n lqi, chn d6ne
cho
qui
tin dung lrong
qud
tiinl hoar d6ng
kini domhi tuy nhien ni
c6 ii.h cl6t kl6ng 6n dinh n6r b6
phan

1in dungnhnn dAn Vinh Kim
thu6cNsin h,ing Nhd nudc
chi nh,jnh ftn
rra
Vinh.
rhu.
hii_ chjJ ne 'inh dodlr
dd ndnE.
,"ng
hop rrin linh
ruc
ri;r rE.
tin dunS d6i
vdi
c6c c6
nhen rhu6c moi lhdnh
Dhdn
kinh
16 rong vd ngoai nudc.
nh;n ldn dxi I i) lhc.
,, nEuin
\on
n.in hdn. lrurl
\dl ci!
I
nrnh
pni.
cac 16
chtc kinh t xahoi.
c6 nban rong nudc vdqnoc le,

rruns
sim
quan
rong ld
viec hur d6ng vi
phan ph6i
ngudn
v6n. rao d6dg lvc
phdt
trien
kinhl€hlycnnhd.
2.13. T6 chft
Quan
Li cn,
QTD
vinh
Kim
2.1.3.1. s0Da
T6
chnc:
sd,td t S" d; ca c;u
i chtc
BAN KII]M SOAT
GIAM DOC
PHO
cl,{M DOC
KI]TO
N
TI](JQUY
I2

lri
mahh iAn ban kidn
sodt
Thanh ieh
baa kiin sotil
2.1.3.2cdcAu T6 ch'h:
HAi DiN Oud, Tti:
Oas Cao YAt mie,
.hg D6 Kih Ldng
Ans Nsurt-n t'dn NEhi€p
Ong NgLrAn ldn ftuan
2.1.3.3.Nbiem v! vi chirNengC,ia
Cic Pbdnc Bm:
H'i aij"g
qadh
t,!:
Chn
ich
HOi dine
qutu
tti:
('1iu
,rdch
nh,im r,roc a", r^i
hdnh
vidn
.a
Hoi don8
qd;1
trive .aL cong

qu.n
In'IIDQI' huic \Fn n\ |IDOI
ph;nco.rg
Drdc thry mit IIDQT rhlrc hie
c6c cong
viec
cr)a HDQT rrong trudng hqp
Chn $ch HDQTvdng mi1dft xuat.
C6 tr6ch nnien $am
gi.
day dn cic budihop.
Di;u h;nh ro;m hr lud u",,'.:a
QL\
r,r duie.
r,ip rha chirhiciip uen s"r
d6
phd
bi6n cho can bO cine nhan liOn
tin dune. D;ng rhoi chiu noi rrrch nli,am
qu6n
li va noi hoal
done cna
Qui
dn dt n-q.
R0pr.tit.!!tg:
Hoar d6n8 tin
dune D nhiem w lrung li'n crla
Qut
lin dune.Tin dung
b

c6
qran
he
chfi che thudg xuyen vd,i crc
phdng
ban
khec.
Ciin bO
1ir
duDg ld ngudi lruc lidp nShi€n criu vl xri li c6ng vi€c
&udc
crc ngiep vu
dA! tu. nim bit th6dg rin.
phanrich
khrch htdg. d€ xuit cho vay
hodc
khons cho
vay
d6ildi limC kn,ch h?tng da bro c6o L xn li khi c6 tinh hu6ng
\ju
d1\
hudns
din
ron
d;, ru c -
\,ui
r,, J.,ns Di.n J6\ lhach hane ,l-r. hiir
tbco d,jLne ch6 dO c|ja
Qut
lin dMg.

hi r'
6ns Nhb do Ban l;nh
d"o
(ip
rnoi r"tr ur r,nl, hinh .u, ii-\i'o-'rf.drog
ooghqp. nI hrnn$uc
hiel
.,ecrhu,.i
tr dune.roneh.?og,oo\on ron dont d; .o r; hoach
.u
olrg
t4