BQ CIAO D1JC DAO TAO
MIXING D6I HQC THANG LONG
—o0o--

KH6A LIJAN TOT NGHIEP

DE TA :
GIAI PHAP Mei RANG HOST HANG CHO VAY DOI
Veil HQ SAN XUAT TAI NGAN HANG NONG NGHIEP
VA PHAT TRIEN NONG THON VIET NAM - CHI
NHANH HUYtN HOAI nit

Ciao vien twang cain

: Ths. Le Thi Ha Thu

Sinh vien thvc hien

: Nguyen Tien Long

Ma sinh vie!'

: A17384

Chuyen nganh

: Nein Hang

am Hoc THANaatmo

THU vigN

7
1.2.1. Khcii nigm ve ma rang hoot clang cho vay doi vai ha san xuat

7

1.2.2. Su can thth phizi ma rang hoot dang cho vay did vai ho san xuat

8

1.2.3. Ccic chi lieu dcinh gib khci ndng ma rang hoot Bang cho vay dal viri ha san
9
xuat czia ngcin hang thuang mid
1.3. Cic nhfin t6 inh hiring den khi thing mi ring host dOng cho vay doi vol
13
h0 sin nit cia ngin hing thwang mpi
13
1.3.1. Nhan to chzi quan
15
1.3.2. NM-mg nhcin to khcich quan
CHU'ONG 2. THI/C TRSNG HOST BONG 010 VAY DOI Veil HQ SAN XUAT
TAI NGAN HANG NONG NG111$P Vi PHAT MIEN NoNG THoN VieT NAM
18
— CHI NHANH HUY$N HOAI EltiC
2.1. Tong quan vi Ngin hing Nang Nghiep vi Phit Train Nang than Viet
18
Nam — chi nhinh huyen Hole Bic
2.1.1. Vizi net ve Nem hang Nang Nghiep viz Phat Tribe Nang thon Viet Nam18
2.1.2. Qua trinh hinh thimh viz phat van ctia Ngdn hang Nang Nghiep Va Ph&
20
Tribe Nang thon Viet Nam — chi nhinh huyen Hoai Brie


2.4.4. Thai hgn va lai suit cho vay clai vol ha san nit

39

2.4.5. Tai san dam bcio trong hogs clang cho vay dal vai ha san xuat

40

2.4.6. Ccic hinh thtic cho vay ha san ma mkt Ngcin hang Nang nghiep viz Pk&
40
wan Nang th6n Viet Nam - chi nhanh Huyen Hoai Dzic
2.5. nip tiling host dung cho vay dii vol hu sin suit tsi Ngin hing Nang
nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huyfn Hai Dec.
41
2.5.1. Doanh so cho vay dai viri ha san xuiit tgi Ngan hang Nang nghiep va Phat
41
Dien Nang than Viet Nam - chi nhcinh Huyen Hold Deis
2.5.2. Tinh hinh du nq cho vay dai voti ha san xuat tgi Ngcin hang Nang nghiep
43
va Phat triin Nang them Viet Nam - chi nhanh Huyen Hoai Dar
2.5.3. Tinh hinh thu nq cho vay dai yeti ha san ruck

45

2.6. Tim trsng host dOng m8 rung cho vay dui v6i h0 sin suit cila Ngin
hing Nang nghifp vi Phit triers Nang than Vitt Nam - chi nhinh huytn
46
Hoii Dec
2.6.1. Chi lieu djnh tinh



3.1.1. Dinh Wang czia Ngiin hang Ming nghiep viz Pluit men N6ng thiin Viet
64
Nam
3.1.2. Dinh Wong phat trien czia Ngdn hang Along Nghiep va Phat trien Prong
65
th6n - chi nhanh Huyen Hoai Div
3.2. Giii phip mi rung host dung cho vay dai vii he sin milt tai Ngin hang
Nang nghiep vi Phit trien Ning thou Viet Nam - chi nhinh Huyen Hold
65
Din
3.2.1. Cal tiin quy trinh va thzi tyc vay vein

65

3.2.2. Niing cao trinh do can 66 tin dyng

67

3.2.3. MO rung liking Wen hoot Ong, phat huy mong been sewn co

67

3.2.4. X& dyng ki hooch Marketing

68

3.2.5. Xiiy dyng chinh scich liii suit phil hop


41
— chi IMAM huyen Hai Dfrc giai down 2012 - 2014
Bang 2.5. TIM hinh du my cho vay dei yeti he san xuat cda NHNo&PTNT Viet Nam —
43
chi nhanh huyen Hai Due giai doen 2012 - 2014
Bang 2.6. Tinh hinh doanh so thu nq cho vay dei yeti hi) san xuat tai NHNo&PINT
45
Viet Nam — chi nhanh huyen Hold Dirc giai down 2012 — 2014
Bang 2.7. TS, le he san xuat da vay von tai NHNo&PTNT Viet Nam — chi nhanh huyen
49
Hoii Due giai (loan 2012 - 2014
Bing 2.8. TS, le doanh s6 cho vay trung birth ten met ho san xuat dm NHNo&PTNT
50
Viet Nam — chi nhanh huyen Holi Dire giai clop 2012 - 2014
Bang 2.9. He se thu my cho vay dei WA he san xuat titi NHNo&PTNT Viet Nam — chi
51
nhanh huyen Hoai Dirc giai (loon 2012 - 2014
Bang 2.10. TS, le my qua han vit my xAu trong hoot dOng cho vay dei veri hi) san xuat
cim NHNo&PTNT Viet Nam- chi nhanh huyen Hog Mc giai down 2012 — 2014.52
Bang 2.11. TS, le trich lop du phang rei ro cho vay dei yen he san xuat dm
NHNo&PTNT Viet Nam — chi nhanh Huyen Horli Dim giai (lop 2012 — 2014 53
Bang 2.12. He se !dui niing bit dip rai ro cho vay dei voi he san xuat da xi: 1S , dm
55
NHNo&PTNT Viet Nam — chi nhanh huyen Holi Due giai down 2012 — 2014
Bang 2.13. Chi tieu yang quay von cho vay he san milt curt NHNo&PTNT Viet Nam
56
— chi !Minh Huyen Hold Dirc giai (loan 2012 — 2014
Bang 2.14. Lqi nhuen tir hot dOng cho vay &Si yeti he san xuat cira NHNo&PTNT
57
Viet Nam — chi nhanh Huyen Hold Dirc giai doer! 2012 — 2014


Oy ban nhan din

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Wei clang quitn tri

TSDB

Ili sin diun bao

VND

Viet Nam dong

USD

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DSCVHSX

Doanh sA cho vay he sin xuit

NHTV

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Thang Long University Library



bin. Viec me rOng hog dOng cho vay d6i yeti h0 sin xuit lk mot yin de can duqc quan
tam nghien dm de giip nen kinh to tren dja bin c6 the phit trien, nh#n thirc duqc yin
de de, toi guy& dinh chcon de tai: " Giki phip ma rang host (long cho vay dal vai hi)
sin xuit tyi Ngen hang Nang nghiep vi Phit triers Nang than Viet Nam — chi
nhinh huyen Hoii Dic" lam de tai cho khea Mn tot nghiep cia minh.
2. Myc tieu nghien cum
Thong qua quit trinh tim hieu tai chi nhinh vi tham ;ciao cic tii lieu lien quan,
khea lu#n tip trung lam r8 cac van de sau:
He thong h6a, tong hqp va phAn tich nhftng van de ljt luon co ban ve h0 sin xuAt
vi host dOng cho vay d6i vei ho sin xuat * ngAn hang thucmg mai.
PhAn tich (Minh gii thus trong me rOng host dOng me rOng cho vay d6i yea h0 sin
xuAt tsi NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dec.
De xuAt the giii phip gulp ma rOng host dOng cho vay d6i yen h0 sin St tai
NHNo&PTNT Viet Nam — chi nhinh huyen Hoii Dire.
3. Bei ttrqng vi phym vi nghien cern
if& tuong nghien cum: Hoot dOng cho vay d6i vei h0 sin xuAt tsi NgAn hang
Wing nghiep va Phit trien Wang them Viet Nam — chi nhinh huyen Hoki Dire.

Thang Long University Library


Pham vi nghien dm: Host dung cho vay din yen h0 san xuat tai Ngfin hang Wing
nghiep va Phit trier Nemg them Viet Nam — chi nhkill huyen Hoai Dirc trong giai down
2012 - 2014.
4. Phtromg phip nghien eth. de tai
Olds th4c dip gin gidi quyit cdc c8u hal nghien arm* ra la sir dung et m8
hinh 19 thuyet duce hqc tai nha Huang de phan tich thtrc tang cimg veri do IA ap dtmg
&Ong thbi ca hai phucmg phip nghien cfru djnh tinh va djnh Wong trong thu th p va xir
19 dO lieu. Qua trinh nghien cfru se sir dung dm did lieu da c6 sin duqc don vi cung
cap, ngoai ra la tham !chit° cac tai lieu trong thu vien truOng.

khcic czia xd heir
Theo nhu tir dien neon nge viet nam phat hanh nam 2001, tgi trang 497, ding thir
52 55 ce vitt "HO /i tit ca nhiemg ngtriti cling song trong mOt mai nha, nham ngwol do
có the bao gam nhang ngiroi co cling htcylt thong hodc khong"
-

Tir nhOng djnh nghia tren, ta c6 the nh#n thAy khai niem "HO" dtrqc hieu theo
nhieu cach khic nhau thy theo d#c diem cilia timg quic gia tren the gioi. Tuy nhien, ci
the hieu met cach chung nhAt la he la met dun vj cis xa bao gim cac thanh vien
song va sink hogt cling nhau, cac thanh vien ci the c6 cimg huyet thong va cling song
chung trong mOt nen nha. Mgt khac, cling ci the nh#n thAy ring, hi) cling la don vj ea
ban nhAt di t6 chirc lao deng„ tin tai nhu met don vj kinh to co bin nhAt voi muc Watt
san xuAt co si la tu cung, tu cap, tu san, ttr tieu.
Sau khi da lam re khai niem ve "he)", buoy flip theo, chimg ta an hieu ve khai
niem "HO san xualt". Tren gic de ngan hang: "HO san xuat la mOt thuOt ngu dmic
Bang trong hoot dOng cung ling von tin dung cho xii hOi de gni]) xd hOi phat van kink
!chic thubng duct ding di thay the thuot nga "HO san xutit" la
MOt si thu#t
"HO gia dinh", "ho kinh doanh"...
Dug tren phu Ipc s6 1 kern theo guy& djnh 499A ngay 2/9/1993 cia
NHNo&PTNT Viet Nam, theo di khai niem hO san xuAt dtrqc hieu nhu sau: "HO san
xudt la don vj kinh to tv chti, trvc flip hogt Ong kinh doanh, la cha the trong moi
quan he san xulit kinh doanh va tv chju track nhiem ve kit qua how dOng kinh doanh
cua minh".
Trang 1


Tir dinh nghht ten, ta c6 the khai quat loi nhu sau: HO san xuAt la dun vi kinh te
ti chit, toe tiep hoot dOng san xuAt kinh doanh, ho san xuAt co the to loa chop nghluth
nghe san xuAt, to minh huy Ong von di den hinh san xuAt vi trvc tiep tieu thy san

Diem yeu cim hp la thieu kien thirc cap that ve nen kinh te vi thieu vim de san xuat,
day la dti tuqng ma NHNo&PTNT Viet Nam can uu tien cho vay cling nhu la hO trq
ve thong tin de ho c6 the phat trim san xuAt.

Trang 2

Thang Long University Library


Cac ho loai thin nhAt IA cic ho dA di tien phong trong nhieu linh nrc dm nen kinh
san
to nOng nghiep ding th8n, trong mOt th&i gian dii hq di holm thien cic quy trinh
la
xuAt vi lien thy hang Ma, hq thuting c6 nhu cAu vay von 16n. SO luqng cic ho nay
kh8ng 16m tong nen kinh to tuy nhien do kith nAng kinh doanh cita hq duqc dim bio,
hq IA nhOmg khich hang fit uy tin tin ngin hang.
Cie ho loai ba duqc xep vio dien ho ngheo, hq an nhang chinh sich ho trq x6a
dad giim nghIo cita Chinh Phil de c6 the citi thien cuOc song.
D$c diim
Dora vio tii lieu ve "Hoot tong cho vay h¢ san suck cia nglin hang thwang mgt"
duqc twang Hqc vien Ngin Hing phit hinh thi ce the khii quit dAc diem dm hi) san
xuat nhu sau.
HO san xuAt la mOt don vi kinh to dtic biet visa sin xuAt vira tieu this san phAm.
Cic thinh vier trong ho c6 nhu au tieu dung sin pham trong dbi song hing ngiy.
Nhung dong th6i ho la nai sin xuAt ra the sin phAm de phut vo cho ca the thinh vien
trong ho vi xA hOi.
Quy mo sin xua dui ho nh6, mang 'ging tinh sin xuAt truyen thing, san xuAt ra
the sin phAm can thiet phut vo cho nhu au the thanh vier trong ho la chinh. Khi cic
sin phAm lim ra khong duqc tieu dung ha trong gia dinh hq mai di trao d6i. San phAm
lim ra kitting vi moc dich trao d6i. Chinh vi vAy s6 luqng mang di trao d6i chiem tjr

Khii niem cho vay by sin suit

Theo d6, cho vay hi) sin xuat chinh la mOt hinh thirc ma ngan hang cap von cho
h0 sin xuAt sir dong vio mpc dich sin xuAt kinh doanh trong met then gian nhAt djnh
theo so thoi thu#n giDa ngan hang vi her sin xuAt, ding thin thoi thuan phuang thirc
tri no cho ngan hang. D6i Wong ciut cho vay 110 sin xuAt la cic ho gia dinh, day li mOt
thinh phin kinh to quan tong trong nen kinh t@ nhieu thinh phew Cic ho sin xuAt
thu?mg 'thong co dit v6n de tien hinh phuang in sin xuat kinh doanh ctia minh, mOi
khi do djnh sin xuat thi cic ho deu c6 nhu cAu vay vein. Thai gian truArc khi chua c6 so
xuAt hien Ain cic to chirc tin dung thi cic ho thiremg phii vay nang lai lim inh huertg
den ket qui cita hog dOng sin xuAt, sin xuAt kh8ng mang loi lqi nhuin ding ke cho
cac h0. Tir khi c6 so phit trien dm he thOng cac t6 chirc tin dung d#c biet 11 he th6ng
ngan hang thi cac h0 sin xuat da c6 the tiep c#n duqc yeti ngurin v6n thich hop vii khi
nang cua mirth vi hog dOng sin xuAt ciut he, dem lei lqi nhu$n cao hem, tir d6 kinh to
hi) sin xuAt daft din phat trien.
1.1.3. Cdc kink third cho vay dui vdi hQ sin xuAt
Cho vay trip tiep h0 sin suit

Cho vay troc tiep la phuang thirc cho vay ma 6 day ngin hang se trim tiep cho ho
sin xuat vay vim , hp sin xuAt troc tiep nh§n vein vay tir nein hang, tir dim den cu6i
qui trinh vay chi phat sinh mOt khoin vay cita her sin xuAt yin ngan hing . Day la
phuang thirc vay ph6 bien nhAt vi quan tong nhAt toi cic chi nhinh NHNo&PTNT
Viet Nam rip dung trong cho vay dti vii the h0 sin xuAt. Trong phuang thirc cho vay
trtrc tiep, ngan hang con thoi thulin vii cac h0 sin xuAt thoc hien cic hinh thirc vay

von khac nhau
Cho hp an xuAt vay tryst flip thong qua a vay yin:
TO vay van do cic thanh vien la he) gia mink, ca nhan to nguyen thinh lop, c6 nhu
au vay von, ding cu chu toi th8n, x6m. TO vay von phii &roc thanh 1#p theo quy djnh
Trang 4

1.1.4. Vai trd cuts hoist ding cho vay

vdi hO san xuJt

Trong qui trinh hoot dOng thirc to cua minh, he thring cic ngan hang thircmg mai
Viet Nam &A the hien vai tr6 to Ian dm nguon von vay doi vei sir phut trien kinh to hi)
san xuit:
Cho vay Ist9 san xulit gop phAn tyo dila Men duy tri cdc ngdnit nght4 truyin
th Ong
Dira vio lqi the so sinh gifts cic yang, cic dirt phuong khi c6 von dau tir, ngutri
dan di Ichoi phpc, duy tri vi phit trien cic nginh nghe truyen thtmg. Try& day, quy
mo cua ca nganh nghe truyen thong la tucmg dOi nh6 do cic hi) khong ce nhieu von the
phit trien, thi truerng tieu thy cna hp thutmg b6 hgp tong pham vi mot so tinh lan con,
chinh vi vay lqi nhuan dem loi cho ngtrai din lam nghe la khong lan dan den viec chi
Trang 5


co mOt s6 h0 dan la c6 the thvc sv lam giiu duce yid nghe truyen thOng. Dieu nay
khien cho cac nginh nghe nay din tit nen mai mOt do nguiri dart be nghe, chuyen sang
cac Unit vvc khic dem lai nhieu thu nhap han. Do do, hoat dOng cho vay ho sin xuat
cung cap cho ngtrai din co nguan vim de phit trien sin xuat, qua da mer ruing quy m8
hoat d'Ong, ma rung thj trubng tieu thu gift!) cho hp co duqc lqi nhuan cao han thin kjr
twat. Dieu nay gap phan giup cho cac ngiuth ng,he truyen thong duqc duy tri, tao duqc
net dac tnmg kinh 4 cho dja bin ding thin.
Cho vay lt6 sin xuat ld cong cy tdi trct vii phis Win co sd hg tang nong thin
Ca so ha tang la mot tong nhung yeu t6 ca bitn cho sv phit trien cua mOt quiic
gia tong de co Viet Nam, no gift vai tr6 dac biet quan tong doi yin sv phit trien kinh
to xa hOi cua dat nuirc. Dau to co so ha tang nong them bao dau to cho thujr lqi,
he thong dien, duang giao thong, truing hoc, tram xi, he thong th8ng tin lien lac, kho
ting,ben bai, chq, he thing cung cap nuirc sach...

to chit yell la ho nong dan !than 16n con quen vdri suy nghi "lAy cling lam Lai" thuong
lien hanh san xuAt kinh doanh trong khi hieu qua san xuAt kinh doanh chua coi tremg
dung mac. Mot s6 nam gAn day, ngan hang da co sv quan tam han tOi cac hi) san xuat,
the ho dirge vay v6n ngan hang song phiti thvc hien nguyen tic hoin tra cho ngan
hang day dit, dung han ca g6c va lAi. Do de the ho dei hot phai tinh town hieu qua, sir
ding van vay dung mvc dich de sau khi tra gOc va lai cho ngan hang thi the ho van
con phan thu nhAp elm minh.
Cho vay h(3 sibs xuat giap Mac diy Sc he son xuat xuAt kidu hang hoa
Khi chua c6 hoat dOng cho vay ho slut xuAt, san xuat cua cac ho chit yeti la tv
cung tir cap, s6 luqng hang hoa dem ra trao doi thy co nhung khong nhieu, dieu nay la
do cac ho thieu kien thirc va quan trqng nhAt la thieu vein de ma rOng boat dOng san
xuat kinh doanh. Host dOng xuAt MIL tai cac dia phuong chinh vi voy ma con rat han
the phai phi thuOc nhieu vao cac doanh nghiep nhi nuec. Thai gian gin day, cho vay
ho san xuat da cung cap, b6 sung win cho cac hi) sin xuAt, giitp cac ho co thE ma rOng
quy m0 san xuat, kh6i lugng hang h6a cung cap cho thi trueing trong ntrec vi the duqc
nang cao, ben canh de the ma hang nong san veil chAt lacing Mt se doge xuat khAu
sang cac ntrec khac, tao thuang hieu cho cac mAt hang Wong san Via Nam va thu dirge
lqi nhu'an len, tao dieu kien de cac ho san xuAt tiep tic xoay yang v6n dlu to san xuAt.
CO the nei, hoat dOng cho vay ho san xuAt di gap phAn gulp cho cac ho san xuAt dua
san pham cua minh ra ngoai hien giai Viet Nam.
1.2. Mi ring hoat ding cho vay dti yard hi sin suit tai ngan hang thwang m0
1.2.1. Mali nifm mo ring hoyt dOng cho vay doi vai hQ san xuat
Ma rOng hoat dOng cho vay d6i veil h0 san xuAt la sv gia tang ve quy mo cho vay
ho san xuAt cua ngan hang, ma rOng bao gam sv mo rOng ve s6 lugng ho san xuAt vay
vim ngan hang, sv gia tang ve doanh s6 cho vay (16i yeti m8i ho san xuAt, sv thing
throng tS, le di nq d6i veri h0 san xuAt, hay sv gia tang ve s6 lugng nginh nghe vay
v6n. Me rOng cho vay ho san xuAt dirge the hien 6 mot s6 diem sau:
Vii se laying hf san xuat vay yin

HO san xuAt la khach hang vay von trong cho vay d6i yeti ho san xuat. Quy m6

do, do nq d6i yen ho san mitt cling IA mot con Si, the hien quy m6 cho vay ho san xuAt.
1.2.2. Sy cin thief phai md Ong hogt dPng cho vay doi vdi hp san xuat
Mans tang twang nguan thu nh(ip cho ngan hang

Doi von cac nem hang thuang mai, viec giai ngan ngu6n vein huy dung de cho
vay chiem mot vai tre het sire quan tong, phin lam nguon thu nhAp cea ngan hang pho
thuOc vao hoot dOng nay. ChM vi voy viec me Ong host dOng cho vay doi von ho san
xuAt la mot yeu cAu cap thiet de ngfin hang co the duy tri va phat trien, dieu nay se Op
ph'An dem lai ngulin thu nhap khong nher cho ngan hang.
Nhdm giap ngan hang tang acing

mei gnats he vdi khdch hang

Vei mei truing girth tranh hien nay, cac nem hang At chit tong trong viec quart
he yeti khich hang, nhAt la d6i vOi nhom khech hang mvc tieu, dieu nay nham giep cac
khich hang cam thAy an tam va thole mai khi giao dich vei ngan hang vi tranh twang
hqp khach hang thay doe ngan hang de giao djch. Viec me Ong hoot dOng cho vay d6i
veri ho san xuAt se di kern vai no la nhieu san phAm Bich vu, cac chuong trinh
Trang 8

Thang Long University Library


marketing, cac uu dai khi cho vay... dieu nay giup cho ngan hang c6 the mer Ong
them nhieu khach hang man, ding vesi d6 11 that chat them mid quan he von nhi'rng
khach hang
Nhatn gidp ngdn hang thu hat drew nguan van tit khdch hang di vay

Ngulin von huy dOng tir din cu luon chitin phan Ian trong tong ngurin vim huy dOng
cua ngan hang, veri viec ma rOng hoat dOng cho vay dai veri hi) san xuAt, ngan hang co

Doanh sO cho vay ho san xuAt tang co the la do s6 luqng ho san xuAt tham gia
vay von tang hoac do mirc tin dung d6i yea mai no san xuat tang. Ben canh do con sir
dun chi tieu ttromg d6i la t9 tong doanh so cho vay ho san xuAt trong tong doanh s6
cho vay elm ngan hang de phan imh vi tri quan tong dm cho vay 110 san xuat trong
hoat dOng cho vay cita ngan hang. T9 trong doanh s6 cho vay dai von hi) san xuat duqc
tinh nhu sau:
T9 tong doanh sO

Doanh s6 cho vay h0 san xuAt
x 100%

cho vay ho san xuAt Trang 9


Tong doanh so cho vay
Syr tong Inning du nix dai vai hp san

Du nq ho san xuat phan anh lugng van ma cac he san xuat can my tai met then
diem cu the dm ngan hang. Tong du nq thip phan anh chit lugng tin dung thip, !thong
thu but duqc nguei din den vay von. Mat khac, tong du nq cao thi chua chk chit
lugng cho vay da tat vi du nq cho vay con ti'em An nhthig nil ro tin dung. Do vay phai
xem xet du nq trong mai quan ha voi doanh so"' cho vay vl doanh s6 thu nq de co the
ket luan ve viec hoat dung mo rang cho vay d6i ved he san xuat co dam bao tinh an
man hay khong. Ben canh d6 veri viec ket hop cac chi tieu nhu no qua hen, lqi nhuan
do hoat deng cho vay ho san xuat to co the co duqc cai shin chinh xk ve chit luting
hoat dung mer rang cho vay din vol ho san xuAt.
Ben canh do, chi tieu su tang truing du no di veri h0 san xuat la chi tieu phial
anh su gia tang hay giam oh du my ho san xuat. Talc da tang truemg du no he san xuAt
duqc xac dinh nhu sau:
Tec de tang tnremg

SO HSX nam truk
Trang 10

Thang Long University Library


TS/ tong ho san xuat da vay von ngfin hang tren tong s6 ho san xuAt IA mOt chi
tieu phan anh quy m6 cho vay h0 san xuAt hien tai va the hien kha nang ma rOng cho
vay ho san xuAt trong thai gian tiep theo bing viec phat men cho vay doi vai nhang ho
san xuAt chua dugc vay vim ngan hang.

TS, trong ho san

HO san xuAt da vay vein
x 100%

xuat da vay vein
fling s6 h0 san xuAt

Sy. tang Owing doanh se; cho wry trung binh tren mpt hp san xuat :

Doanh so cho vay trung binh tren mOt ho san xuAt la gia tri trung binh dm mon
vay ma mOi ho san xuat vay toi ngfin hang. Doanh s6 cho vay trung binh tren mOt hi)
san xuAt tang len dOng ngliia yeti viec nhu au vay vein dm ho san xuat tang len va cho
thy ngan hang da too dieu kien de mOi h0 san xuat co the vay duqc nhieu hon. Quy
mo cac Ichoin vay tang len ket hop yeti cac chi tieu danh gia nil ro cho vay se giup
chi:mg to dank gia dugc hoot dOng ma rOng cho vay d6i vol hi) san xuAt co dam bao
dugc tinh d6ng b0 ca ve s6 itrcmg va chit luqng hay khong.
T6c dO tang truOng


Hoat dOng ma reng cho vay dti veri he sin xuAt can dam bao v'e su phat trien ca
quy m6 cho vay vi chit lugng tin dung. Ket hqp chi tieu he so thu nq ding cac chi
tieu khac nhu t9 l'e nq qua han, ty trich lap du phong riri ro cho vay,he so kha nang
ba dap nil ro cho vay dti veri he sin xuAt ta co the danh gia dugc chit lugng hoat
dung ma rang cho vay dti yeti ho sin xuAt caa nan hang. He so thu nq he sin xuAt

ve

dugc tinh bang cong thirc:
Doanh so thu nq

Hg s6

x 100%

thu nq =
Doanh so cho vay
. Iti5 son
Ty le ng grid hqn cr &

xuAt

ro tin dung cling nhu chit lugng tin dung cua cac
Day la chi tieu danh gia
khoin vay dti veri he sin xuat tai ngan hang. Chi tieu nay cing Ian the hien chit lugng
tin dung dti veri he sin xuAt cing kern va ngtrgc lai, ket hqp ven cac chi tieu ttc de
tang twang doanh so vi so lugng ho vay von, ta co the danh gia boat Ong ma tong
cho vay d61 veri ho sin xuAt co thac str dat hieu qui hay khong, ngin hang c6 kha ning
thu hti vim mia ngan hang dti veri the khoin vay cua ho sin xuAt hay kh8ng. Theo quy
dinh cfm NHNN hien nay chi tieu nay khong dugc vugt qua 3%, neu chi tieu nay vugt


Thang Long University Library


ho sin xuat

Doanh s6 thu nq ho sin xuAt

1.3. Cie nhin to ink hung den khi ning ma ling haat dOng cho vay dOi vai 60
sin xuat cfia ngin king thwung mai
Hoot dOng cho vay doi yeti ho sin xuat chlu inh huemg cua nhieu yeu to, inh
huang den ca qui mo cho vay vi chit luqng cho vay hi) sin xuAt. Trong nhung nhin t6
do bao ginn hai 'them nhan t6 chu yeu la nhin t6 khich quan vi nhin t6 chit quan.
1.3.1. Nhan to` chi quan

Nhiin to h0 sin add
D*c firth dm ho inh huang truc tiep din nhu ciu ve vay von. Nhu cAu ve von cua
ho duqc xic djnh tren ca so phuong in sin xuat cua ho vi d61 tuqng sin xuat cita
Phuong in sin xuAt cua ho phii mang loi hiEu qui, phit hqp van chinh sich phit trian
cOa dja phtrcmg, sin xuAt theo phip lust. Th8ng thuang cic hi) sin xuAt vay vein de sin
xuat nhung trong mot so truong hop cu the thi ngin hang hart chi cho vay doi veri cic
ho sin xuAt kern hiEu qui, sin xuat nhOng mit hang co kha nAng tieu thy kern dem loi
thu nhip thip. Phuomg in sin xuAt cern h0 quyet djnh true tiep din nhu au vay vim
dm ho, tir d6 anh huang din hoot dung cho vay ho san xuAt cua ngfin hang. Nhung
khong phai bit cu ho nio ngin hang cfmg cho vay, ma con phu thuoc vio tai sin dim
bio cua ho, vao y thirc tri my dm ho. Diy la nhung yiu t6 anti huang din khi ning tri
nq cua h6 sin xuAt khi den han tri hq nem hang, inh huang den chit luqng hoot &Ong
cho vay ho sin xuat cis ngin hang, giy rui ro cho ngfin hang khi ho san xuAt co tinh
khOng tra my, ter do inh hueng 16n din kha ming ma rung cho vay ho sin xuAt trong
thai gian ten cua ngin hang. Bin thin h0 sin xuat co AM huang den hoot dung cho vay

chd yeu, khach hang chi yeu IA cac ho sin xuAt thi ngfin hang luon luon uu tien phat
trien kinh to ho sin xuAt nhe d6 ma chinh sach cho vay he san xuat mei phat then, quy
mo cho vay he san xuat meri ma rung.
Nguan van huy dQng cut, nein hang

Khong chi co cac chinh sach phat trien cho vay man anti hutng den quy me cho
vay ho san xuAt ma de ca the ma reng cho vay thi doi hoi ngin hang phai c6 nguen
vein Ian, c6 kha nang dap irng nhu cau vay vein cia cac he san xuat bAt cir khi nao the
he co nhu cau vay. DE co duqc nguen vein lam thi ngfin hang ding phai c6 cac chinh
sach nhim thu hit von gai vac) ngan hang, thu hilt met khei luqng tien de c6 the dap
Ong duk nhu cAu vay von ciaa cac ho khi ho co nhu cau. Ngoai viec quan tam den
khei luqng von huy dOng, ngan hang con an quan tam den then han tien guff va then
han tin dung, de co the cho vay ma van dip img kha nang thanh town khi den theri han
tien giri khach hang den rut tien. Ngan hang phai chi deng trong viec chuyen hoan kSr
han giaa then han tin dung va than han girl tien. Neu nguen tien girl chi, yeti la ngin
han thi ngfin hang Ich6 dap Ung duqc nhu au vay dai han cua cac ho san xuat, vi no
inh huerng den kha nang thanh khoan cua ngan hang.
Hoyt ding marketing

De thut hien tot cac chinh sach phat trien cda ngfin hang va chinh sach huy dOng
vent thi ngan hang phai Hwy hien Mt chinh sach Marketing ngfin hang, gieri thieu cho
cac he sin xuAt ve ngin hang minh. De cac he san xuAt hitt' them ve ngan hang, giffp
hq Met ve cac hinh thirc cho vay, dui tqc, diEu kien vay yen, de hq co the tiep can veri
ngutn yen cua ngfin hang.
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Co' so 41 chat ctia ngan king