GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
PHẦN MỞ ĐẦU
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1. LÝ DO CHỌN ĐỀ TÀI

 !"#$%&'&()*%+' &
,-   , %* . /  . ,0 1 *+*
   * " %* 2 ,  % %3 
45"167+28,0%3 "*1 9:;%3
& !<( ! %3   = >?
(%@ # %*A%3'B(39*6
C&9*D=E)7FGH%I"%="3&
*(&)7FG. J"*&.+ *9&
-6GK"*I0!<'BEB-"*%+9*%
B'&H%9*&K"*0LE"*
DMA%3+9*H'%N*&)7FG,2*
1M%3I!%3'B9*,
=+"*,?6O&,N;2P)4%*Q
8%8,'%,R(&)7FG%I %B./%*
2, $ S& M%3%*? &8%B9*
%*96P"**+(&)7FG4=&*
  T+ =   >?; :8 =& . 2
,<+.>?!  #. &U=&?V
!  '##0"3'&;(W%*)*6
F,! X Y "*  JWA SZ. CL + &
,-=&*XY!=% &,-. 
.,A%*:6C. :.U

*"*,?6PN 9'='B(&)7CFUXY
*[ , 9'&+3%3%+<&=6O!
& & < %  5 + %3%*<LB %3( &
A0,3: & S9<'B%*=,(,
'B6
SVTH:Nguyễn Ngọc Bửu Châu e
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
3. PHƯƠNG PHÁP NGHIÊN CỨU.
F,1D2MK2,0M'"k,0# %*
<&:&]LB3 D & 9+,%1M*a
ldD &  3"/:&&=(&6
ldD &  9'316
ldD & &#:(4+3<&56
4. PHẠM VI NGHIÊN CỨU.
7=   , "m %#   ( )7CFUXY ,? = %*
 \6)%N0# %*5 (:9!=%N
].- 9'&9_&=(9*6)1 =
%*J , 9'NN+%*%+%3()7CFUXY<
:5aeff`effe%*effg6
SVTH:Nguyễn Ngọc Bửu Châu g
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
PHẦN NỘi DUNG
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1
CƠ SỞ LÝ LUẬN

%**&- &?&3 &6W9+V"*A%3=(
9*!!';8%*"&6YAe"=Na
r
Tiền gởi tiết kiệm không kỳ hạn:
*"=L*&*!-L%*"?+,:?n"\*
.:&,9*6W3L(+"*I0
*B,,I1A0!"4!  
%*%1*&6)*,3L!-"*I0/
*,s3L%*9*-"MA0:*DI
2*6
r
Tiền gửi tiết kiệm có kỳ hạn:
W9+"*"=N&9L!#%0%9*
J,\0=6CR,0 :,\,,0=N
"4?? D64?L!n="DL.
n=6
1.3. Kỳ phiếu ngân hàng
*"=M/!&9* &*-+,
>4SB' B%B%,0n?86F0=
(n R B%*'&+%3(9*!-"*ag
&t&`e&,1`e&6
1.4. Trái phiếu ngân hàng
F,& 9*"*.B+%3*=%*9*!"*
"=M&!-$-:&,18,0M&6u,&
!n=,156^9* &*,& N9*!B
SVTH:Nguyễn Ngọc Bửu Châu v
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
'$3%3!-%*&#&'?*=a%*&
.,N#&"1%+*=b
W3%&*,& 9*"*"=

&,-6
lZ3>?T  -"*(B(B>?T*&,8".
*>?T!)7CF!%+6
lZ3"4%+)7CF,0=.:*%**
38%*LB3%%+,=*=-*38*
,"4',&,8*38!6
2.4. Nguyên tắc vay vốn.
lZLB%3%+\B'4, A'B6
ld*,3%*"4%+\=4, A'
B6
2.5. Điều kiện vay vốn.
^&*)9*C.D%+!(&a
c
Có năng lực pháp luật dân sự, năng lực hành vi dân sự và chịu trách nhiệm
dân sự theo qui định của pháp luật.
y
W3%&*%+"* & 9%*&9P)
ld& 9 !5"# & "9#6
lC&9( 9=(N=(
; &%**%1 (.+  !5"# & "%*
5"#*%9#6
y
W3%&*%+"* & 9%*&9* !5"#
& "9#%*5"#*%9#]<+8 & "(* & 
9!!<38&9!"*.9 & "*!
9Z#(C*>4(mP)&%5: & "
&(P)<+8<3*C*>4(m
P)j<86
d
Có khả năng tài chính đảm bảo trả nợ trong thời hạn cam kết.

%+ %3 ?  D M<+ 8 ,1 C & )7CF ,N F; & 3 )7CF
>]>o<+86
y
C!NN*'"*=|>?}!"4:8"sN
D<!T<+>&? :$"s6
F,0 &*"* !"s]=*" 
%*%*=<&g5>o?+!5#\="s
#,#&4D<!T<+ 1+%*3"s=
.2%,%+3%*"4\=N9*%+!-
>]>o<+8%+6
y
^&* :-*"*3%+%3*] & "
P)<8 :-6F,0  & ".<8 
:->o?+ :*%3%+Y&39*
%+>]>o<+8&*%@ :-6
SVTH:Nguyễn Ngọc Bửu Châu ~
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
E^&* , A'B%% :-
3%*N*%+6)&*.#:-
], AN9*%+<+?M%+
A,=+-<&=H6
e
Mục đích sử dụng vốn vay hợp pháp.
f
Có dự án, phương án đầu tư, sản xuất, kinh doanh, dịch vụ khả thi; hoặc có
dự án đầu tư; phương án phục vụ đời sống kèm phương án trả nợ khả thi.
g
Thực hiện các qui định về đảm bảo tiền vay theo qui định của Chính phủ,
hướng dẫn của Thống đốc NHNN và Văn bản chỉ đạo của NHCT.
h

2.6. Thể loại cho vay.
lC%+_="*&%+!0=%+`e&6
lC%+,="*&%+!0=%+/,1`e&
tf&6
lC%+*="*&%+!0=%+/,1tf&,2"16
2.7. Thời hạn cho vay
)9*%+%*&*i0=%+5M%*
n>?}0=A%3( D&y#&5
,(&*%*A%3%+()7CF6W3%& & 9P
)%**0=%+.<&0==R"=]<+
8*" ?+ o ==P)|3%&9*0
=%+.<&0= o 3==P)6
2.8. Lãi suất cho vay.
:6
l)9*%+.:3:-"4?%+()7CF&*
l)9*%+%*&*%* A'BM
"4?%+,=%*M"4?& B3%<&=a
?
GM"4?%+,= $ %<+8(
)7)) %* O 8( )7CFP) %"4 ? %+ =0 -j   A '
B6
?
 GM "4 ?& B 3%  3<& =Y&3 9
*%+<+8]+1_D"4?,=.%
<&`vf{"4?%+,=4jJ, A'
B6
SVTH:Nguyễn Ngọc Bửu Châu `f
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
2.9. Mức cho vay.
W3%&)7CFM%+>&85M%*%+

CJ1*+::1A%3+%*6)!R
:5+%3=8 D(9*6)J1*+"N
%3+%*'5+%3(9*6
3.5. Nợ quá hạn / Dư nợ
)ŒOƒ•7Š)
)O7y)†>`ff{
‹)Œ
W9+"*J1<,K?-&&<'B%*?"'
B6)"*+? N?"'B%*"=6
SVTH:Nguyễn Ngọc Bửu Châu `e
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
CHƯƠNG 2
GIỚI THIỆU KHÁI QUÁT VỀ NHCT_AG
W

U

X
1. QUÁ TRÌNH HÌNH THÀNH VÀ PHÁT TRIỂN CHI NHÁNH NHCT_AG
C$%+1 ;   A0 S 2, = "
)7CFP)4&2&JE* 3H,1- B
%B# &,-(/%$/8 D6
)7CFUXY "*  & B  )7CFP)  * "  ] <+
8 3 vqy)7UFC *+ `qyfzy`x~~ (F; & 3)7))P)6 )7CFUXY "*;
M,1"m%#'B*=(+%*0>+1"*
L(&*%*LB3!-%+%*#&8%B
9*3%&* %*96)*,B2'=ezfj
F&F;* 3Ž+1JXY)7CFUXY42,1
&?  •• 2 8>4C9W3%*g R 8a Ž+1 C G F=
ZD6F,5effg&4*" 1`<k%*" AD,N

và ngoài nước.
y
Thực hiện các nghiệp các nghiệp vụ về tư vấn, đại lý và các nghiệp vụ uỷ thác
do Nhà nước và NHNN giao.
2. CƠ CẤU TỔ CHỨC VÀ NHIỆM VỤ CÁC PHÒNG BAN
Z‘W‡a…G•„F•C7’CC)6)7CFUXY
X)Y••GW‚C
dR
FCl7C
dR

&
dR


dR
-
,
dR
9
<k
dR
A
%3
)7CF6C)
C9W3
dY
Ž+1
dY
CG

(&**2*&*=&+-I
9*%&*I9*% &*&"=o%*"*8
%B&&67**+ RR#&&->&
8"%3=(9*6
dR&"*D M/,# /&*",I3"
"*D2#=(9*6
y
Phòng kinh doanh
F>9+#"-&<&,NLB%3%+
(&D%8%+%36*D" T8AD<+%3%*>?%++
.%+,,NY&3 1+# %B!"1
SVTH:Nguyễn Ngọc Bửu Châu `v
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
<<& ,N >?   T (& D %8<3 *<3%
&     *6W9+ "* :  < ,K <+8 ,  
&%*8,&%&!6
y
Phòng kiểm tra
C!,&-,.3%*_2%#\]I
<8%  %B ,= (9 *"*D# % - ,
M/;&(?& %B &*,R<+K_
_=%*%?% & "6
y
Phòng ngân quỹ
*D#%,1D2!M/ &:
#'>&8 0\<k6d&%*5>&
8\1T"."*D:<&?+0MJ!
&AD*? 6
y
Phòng nguồn vốn

)Aa&&<=()7CFUXY
lO:3"?+ (&./5,26CB
- 5eff`"*gv6q`e,A|5effe =gv6vg`,A
5``x,A%5eff`35fgx{|5effg=vt6vfz,
A5ef6xzt,A%5effe35vxfq{6
W=< *+ "* , 0  < A %3= (
&./5,2/g~t6x~`,A35eff`5"1t`f6feq
,A%*35effg6C'#5,2%3*+4=
&T+=%+3%&* 6P="
&+# %+ &->?2..9*!
 %&" 918 *+*2,67=
%*&8%BV5%3"'B5,25
D5,! (&45<&56
lP '=(&a-T+=%+& M%3
'B&* &45"4?+%*#
 N M +  1 A %3+  !5,2  (+ "*
%3+/9"4?+/!<(&
6G&- B%B&*V B%B=(
&3D&49? &-850&:8k
*=&:l.9%11I5< 'V56CB
-a '5eff`"*et6ez~,A|5effe"*ex6gz`,A5g6fxg
,A%5eff`35``zz{|5effg"*qv6tfv,A5
`t6egq,A%5effe35vvez{6
SVTH:Nguyễn Ngọc Bửu Châu `z
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
lO!?+=(&g5%/<="6
CB-"5eff`=x6`gq,A|5effe=t6`tf,A
gevt{%5eff`+gevt{5effg"=`f6xfe,
A5q6zqe,A%5effe35ztx~{6
W=<*+"* !>5,! '

4.2. Khó khăn
l) %+ %3 (&*,?  &*. !(*
? .!*? *.  &  "!4
=%%3(9*6
lPB:& &&&,l:/ 'Gk,5effg4"*
9:8"s"* &<&==&%*"*=52
,'B,"m%#*+6
lP>L"jAK%*<&=  : & 
,!%8&%*:&.*? -A"*%"*
JXY!,9?&*,D<
*& <& % 3".%/!49+!5  9*
,%:&*? -<&=6
5. ĐỊNH HƯỚNG HOẠT ĐỘNG CỦA NHCT_AG TRONG NĂM 2004
F  B#  D 9 c & ,-l *%*<h&
)7CFUXY>9+#=5effqa
l)A%3+5ef{,5effq6
lF;%+%*&5,2ef{6
lF"<&=y;35effqq{6
lF,K%+,%**=y;3ev{6
l=`z6fff,A6
lF,'# R,(,,5effq"*e6fff,A6
r
F,5effq& B#? B]!,K
-:S&D,Na
à
CD,N'B+.6
à
CD,N'B+.6
à
CD,N'B &,-*6

(":='B"S& M8 0
%3(&* 6F,<&,N=9* 2,
9?"8%B%*=&&NM+-\"
*,s,9+& - 9 3"=ID%3-
>?6)A%3=(9*5,2%/=
"9*2,'B%/& M%+%3(&
* %*96
)7CFUXY "*& B)7CFP)%NA%3=
(+"*%3+=s%*%3*/)7CFP)6W3%A%3+
=&)7CFUXY,g5<+NM
L&Ln ,& 6)0:(
&A%3=s1%3+(&,0<5,2
&;8-<:3"a
SVTH:Nguyễn Ngọc Bửu Châu e`
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
Bảng 2: Cơ Cấu Nguồn Vốn
CJ1
WPFa,A
eff` effe effg effeyeff` effgyeffe

3
{

3
{

3
{
F+
3

Đồ thị 1: Cơ cấu nguồn vốn qua 3 năm
O:3" ?+A%3= ( & < g5
56 CB - 5 eff` ; A %3 "* gtq6xef ,A| < 5 effe ;
A%3"*vft6gfg,A5``x6gee,A%5eff`35
gf~g{|5effgAA%3"*t`f6feq,A5`fg6ze`,A
%5effe35efqx{6
W*+?+=(&*+* &,--<<
.%3=5<&56Z#5,2A%3*5(&
>? & /  % %3(& D%8   , J *+ * 5 %*
&*+*2, =%%+!& D5A
%3=(N-& M%3&D%8=6
SVTH:Nguyễn Ngọc Bửu Châu ee
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
y
F,D?A%3(&%3+0,K
? D,;A%36CB-a
l)5eff`a=`zv6gtx,Aqvge{y;A%3
l)5effea=eeg6~f`,Aqqev{y;A%3
l)5effea=etv6fvg,Aqgqv{y;A%3
F+1%3+=&,0<5,2&;
8/`zv6gtx,A,5eff`5etv6fvg,A%*5effg6
W=<*+"*,0<&".<9%*!I
8\_,.&+%3%/+,N&*V%/
2,&*-5"%3+%N9+"*A%3=,#
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y
1=A%3+=s&)7CFUXYR#s
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,KD,;A%3=(&6CB-a
l)5eff`ae``6t`e,Avqt~{y;A%36

CJ1 eff` effe effg F+
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FYFC^F ~x6fqe ~~6qeq `fq6~~e lt`~ lftx `t6qv~ `~t`
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C!n= e6ff~ et6qve g`6~gx eq6qqq `e`zgg v6g~z efgz
FY zz6vg` `ff6f~e `g`6~xz ee6vv` exfx g`6~`v g`zx
^.n= `q6gfg `g6fvx `t6tgg l`6eqq l~zf g6vzq ezgz
C!n= tg6ee~ ~z6feg ``v6etq eg6zxv gztg e~6eq` geqv
^n  t6qvt ef6ft~ x6fev `g6t`e e`f~q l``6fqg lvvfg
F,&  f `e6ttq `g6v~v `e6ttq U xe` zez
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Tổng cộng 175.369 223.801 265.053 48.432 27,61 41.252 18,43
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Đồ thị 2: Tình hình huy động vốn