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phân tích hoạt động cho vay nông dân tại chi nhánh ngân hàng NN & PTNT huyện Cầu Ngang - tỉnh Trà Vinh

Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân


 !"#
ĐỀ CƯƠNG CHI TIẾT
LỜI MỞ ĐẦU
$%&'()*+,-
.%/+0*1+&'(1&*23+
4%5260&'78(097&'(1&*23+
:%(26&'8(38&'(1&*23+
;%5+<+3**+,-%
=>$%
CƠ SỞ LÝ LUẬN VỀ TÍN DỤNG VÀ TÍN DỤNG HỘ NÔNG DÂN
1.1. Lý luận về tín dụng
$%$%$% ?(3&@97A&B+0&'
$%$%.% <*+,A&B+0&'
$%$%4% (1&C0A&B+0&'
$%$%4%$% D&*237(6(0&A&B+0&'
$%$%4%.% D&*237-5260&'A&B+0&'
$%$%4%4% D&*2379+0*-A*(E2,B+0&'75&A&B+0&'
$%$%4%:% D&*237*(+,(FA&B+0&'

1.2. Lý luận về tín dụng hộ nông dân
$%.%$% ?(3&@9(@&1&'B1&
$%.%.% ?(3&@9A&B+0&'(@&1&'B1&
$%.%4% /+0*-A*(*(7G(@&1&'B1&
$%.%:% (2H&'G5+5,&((26,&'-5&*(7G(@&1&'B1&
1.3. Các quy đònh hiện hành của hệ thống NHNo & PTNT
về cho vay hộ nông dân
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
1
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
$%4%$% '+G1&I*7-+J@&*(7G
$%4%$%$% '+G1&I**(7G
$%4%$%.% +J@&*(7G
$%4%.% 5260&'7923**(7G
$%4%.%$% 5260&'*(7G
$%4%.%.% /23**(7G
$%4%4% 3*K+G-L&(7CHE+5
$%4%:% (26&'(23**(7G7(6(0&*(7G
$%4%:%$% (26&'(23**(7G
$%4%:%.% (6(0&*(7G
$%4%;% M+G<N&(O3B+G@*(7G
1.4. Một số chỉ tiêu đánh giá hiệu quả hoạt động tín dụng
=>.%
PHÂN TÍCH HOẠT ĐỘNG CHO VAY HỘ NÔNG DÂN
TẠI NHNo & PTNT CHI NHÁNH HUYỆN CẦU NGANG
2.1. Giới thiệu khái quát về chi nhánh huyện Cầu Ngang
.%.%$%PL*(E2,(N&((&(78(3<F&
.%.%.%6*5+7E6-F*(23*Q@93GR
.%.%4%(23*&D&'7&(@97+0*+,*3*8(&'Q&
.%$%:%?5K+,(0-@&'J&(B&(%
.%$%;%(+@&C607J(3J(D&*+,*(&(3&(&'1&(&'
.%$%;%$%(+@&C60
.%$%;%.%?(3J(D&
.%$%S%(26&'(263&'(0-@&'J&(B&(-5&&D9.T$T
.%$%S%$%/+0*1+
.%$%S%.%(2H&'*(U1+*(+,G5+%
2.2. Phân tích thực trạng hoạt động cho vay hộ nông dân
.%.%$%N&((N&((+G-@&'7E2,B+0&'75&
.%.%.%(1&A*(B&(E5*(7G
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
2
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
.%.%.%$%(1&A*(B&(E5*(7G((6(0&
.%.%.%.%(1&A*(B&(E5*(7G(&'&(J&(5
.%.%4%(1&A*(N&((N&((+&60
.%.%4%$%N&((N&((+&60((6(0&
.%.%4%.%N&((N&((+&60(&'&(J&(5
.%.%:%(1&A*(B2&60
.%.%:%$%(1&A*(B2&60((6(0&
.%.%:%.%(1&A*(B2&60(&'&(J&(5
.%.%;%(1&A*(&60K+3(0&
.%.%;%$%N&((N&(&60K+3(0&((6(0&
.%.%;%.%N&((N&(&60K+3(0&(&'&(J&(5
2.3. Đánh giá hiệu quả hoạt động tín dụng hộ nông dân
.%4%$%@+K+,(+G-@&'75&
.%4%.%@+K+,E2,B+0&'75&
.%4%.%$%&(E5*(7G<1&F&'&'+&75&
.%4%.%.%&(E5(+&60<1&B&(E5*(7G
.%4%.%4%2&60K+3(0&<1&F&'B2&60
.%4%.%:%60K+3(0&<1&F&'&'+&75&
=>4%
MỘT SỐ GIẢI PHÁP NÂNG CAO HI ỆU QUẢ HOẠT ĐỘNG TÍN
DỤNG HỘ NÔNG DÂN TẠI CHI NHÁNH HUYỆN CẦU NGANG
3.1. Đánh giá hoạt động tín dụng của chi nhánh
4%$%$%(2H&'2+-F9
4%$%.%(2H&'(0&*(5
3.2. Một số giải pháp
4%.%$%5763(0-@&'(+G-@&'75&
4%.%.%57637@*-0&'+&&(1&C20*
4%.%4%5763*1&'3**(7GV(+(&607K+,&CG3&60
4%.%:%/6,<@&'+G1&<+G&'I&763O1GB20&'*(5&C260*J(3*((&'
4%.%;%,9(F+<+,<
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
3
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
4%.%S%=&'B+0&'*1&'&'(@(1&'&<&'K+,&CG3J(3*((&'
3.3. Kiến nghò
4%4%$%5763&'1&(&'
4%4%.%5763*(&(3&(&'1&(&'
4%4%4%5763(@&1&'B1&
4%4%:%5763*(A&(K+G&-L8(26&'%
KẾT LUẬN
PHỤ LỤC W5+*3X
TÀI LIỆU THAM KHẢO
YYY
YY%
YY%
%/>Z
1.Ý nghóa của đề tài
(N&C0*([&'-26&'CL*(E2,*+,-5&263*<,K+&(+*+@**(5&<&(-G'&
J(F&(2*(L+E20(5&'<L$TTT&D9-1(@'[*+-5&J(3&'*(5&*(5&'(38V/)<&0&
-3(&((&(&D9$\:;%'26&1&'B1&C&'26'3&(*(L+(@+K+,&[&'&&(5%]+5
8(32(6-F9-3J(-5&263*(&&-@*C@8,&'7(&263*-H(5E23*K+&19
*(+3G3-5&7@**,(@&N&((N&(-6E5&'&'26&1&'B1&-*7L<A*+,&'26&1&'B1&
<&'OH(@(1&'K+*3**(26&'<N&('(LK+G50(@*+,,&'%'1&(&'-H<-6
7C*(5**+&5'2H,&'V(&263*7&'26&1&'B1&OA*(C0'&&(+(6&%
+G@&+'&'C9@(+G@&*+,U&(<&(*+H&''5&'&(2*3*(+G@&(+@*
*3*U&(-&'Q^&'E1&'2,+P&'J(3*%1&'&'(@87_&C&'+&(+*(A&(*+,(@'
-N&(&1&'B1&W*(59\T`X%2*(_O3*-L&(&1&'&'(@8C&'&((590&(*&&(+
9&D&'<&'*6*5+J&(5*+,(+G@&&1&*(+,G5+J(3*((&'*+,*(
&(3&((+G@&+'&'C(@&1&'B1&%?(J&(5&'G*&'8(3<F&&(+*+-+2
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
4
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
*(8(3<F&96,<@&'K+G91E,&O+5&'G*&'D&'V+G&(1&75&20*3*+,&'26&1&'
B1&*&(588(&C63&&'+&75&C27G9260&%5+&(2<263*-1G&'26&1&'B1&(26&'
-7G&3&'6,Q1&&'763CHE+5*(N&G&'1&(&'*37<<5C63&<&'7@**+&'
*58A&B+0&'*(&'26&1&'B1&763CHE+58(+(60872'+38*(&'26&1&'B1&72
&9'C0(@+K+,*(&'1&(&'%
]+58(32(20*5&3<1&9*(0&-“ Phân Tích Hoạt Động Cho Vay Hộ Nông
Dân Tại Chi Nhánh Ngân Hàng Nông Nghiệp Và Phát Triển Nông Thôn Huyện Cầu Ngang”
-F(F+<H(197(0-@&'*(7G(@&1&'B1&0*(&(3&(<1&*6E6,-3-<*3*
Q@&8(38-F&1&'*(@+K+,*(7G*+,'1&(&'<&'(6JN&&J&(5-&'(@
&(@8796,*2,%
2.Mục tiêu nghiên cứu
2.1. Mục tiêu tổng quát
/+0*1+F&'K+3*+,-C8(1&A*((0-@&'*(7G(@&1&'B1&0*(
&(3&((+G@&+'&'%<1&*6E6,-3V*3&(2H&'Q@&8(38&1&'*(@+
K+,(0-@&'*(7G(@&1&'B1&0'1&(&'78(+0*7+0J(3*((&'&'G*&'5
(6&%
2.2. Mục tiêu cụ thể
a3&('3E6C260*J5K+,(0-@&'J&(B&(%
 a(1&A*((20*<0&'(0-@&'*(7G(@&1&'B1&%
a3&('3(@+K+,(0-@&'A&B+0&'(@&1&'B1&%
a/@E5',8(38&1&'*(@+K+,(0-@&'A&B+0&'(@&1&'B1&0*(&(3&(
(+G@&+'&'%
3. Đối tượng và phạm vi nghiên cứu
(6'&*3(0&775&J5&(23**&(0&(08&1&9*(U@8<+&'&'(1&*23+9@E5
&@B+&'
aN&((N&((+G-@&'75&K+4&D92&D9.TTS-5&.TTb%
aN&((N&((0-@&'*(7G(@&1&'B1&L*(&(3&(K+4&D9W.TTS .TTbX%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
5
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
a<9@E5',8(38&1&'*(@+K+,(0-@&'*(7G(@&1&'B1&0*(
&(3&(%
4. Phương pháp nghiên cứu
4.1 Thu thập thông tin số liệu
 a(+(@8E5C@+<20*582(+G@&+'&'%
aF&'(608*3*(1&'&22C@+A&B+0&'0'1&(&'VE3*(Q37'1&(&'%
4.2 Phương pháp phân tích số liệu
a+&'8(26&'8(38EE3&(E526&'-5%
a+&'8(26&'8(38EE3&(E5+G@-5%
a+&'8(26&'8(38G,E5VG,<0&'%
a+&'*3*G,E5-3&('3(@+K+,A&B+0&'%
5. Cấu trúc của đề tài
-260**(C948(&
Phần mở đầu
<N&(QGG3&'()V9+0*1+V-5260&'V8(09778(26&'8(38&'(1&*23+*+,-
%
Phần nội dung
c'9*3**(26&'
(26&'$>d>ZPP#

(26&'.

(26&'4 /deZMZ

GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
6
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
Phần kết luận
PHẦN NỘI DUNG
Chương 1
CƠ SỞ LÝ LUẬN VỀ TÍN DỤNG VÀ TÍN DỤNG HỘ NÔNG DÂN
1.1 Lý luận về tín dụng
1.1.1 Khái niệm về tín dụng
F+(&'()<@&'VA&B+0&'CK+&(@OH(@VK+&(@E2,B+0&'75&C_&&(+'2H
*(+,(FJA&(5&G763*(+,(FJ&(5J(3*<1&&'+G1&I**3(&<,%3*3*(J(3*VA&
B+0&'CE20*(+GF&&(260&'09(6K+G&E2,B+0&'9@C260&''3<L&(5-L&(B263(N&(
(23*(@&7@(G&@<&'9@(6(0&&(5-L&(2&'26*(7GW&'26E6,(2H+XE&'
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
7
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
&'26-7GW&'26E2,B+0&'X7J(-5&(0&8(,(&<,C07639@C260&''3<LC63&(6&
*3Q&-+%
W<A*(/+0*$%$(&P/H*(26&'4F&'K+&7(0-@&'A&B+0&'*+,'1&
(&'(26&'90 d3*('(@8+0'1&&'(26&'/0 ]c/ .TTbX%
1.1.2 Vài trò của tín dụng
 Góp phần thúc đẩy sản xuất lưu thông hàng hoá phát triển
 <&'K+3<N&(E,&O+5J&(B&(V-FB+G<N(0-@&'C1&+0*-(,75&*+,
B&(&'(@88(,-&'(6&06,Q'-0&B20<2HVE,&O+5VC2+(1&'&1&(@&
260&'(2(5+75&09(6C+1&O,G<6,*3*B&(&'(@8%(6*3A&B+0&'V*3*F*(23*
J&(57*3*OA&'(@8*3(F9+EI9*3*2C@+E,&O+5-260*(20*(@&C@&+0*%
-3VA&B+0&'C9D&'A*(C+GH7Q+-I8JL8(6*(*3*8(A-HQ,<<&'
K+3<N&(3E,&O+5%N7@GK+*(23*&D&'8(1&8(5C0VA&B+0&'-H'388(&(+3*-FG
D&'&(&(7&'K+G75&C2+-@&'VD&'&(&(5*-@C2+*(+GF&7@2(&'(3V'388(&
<+3&'I&(6'&E,&O+5C2+(1&'&1&'*(@+K+,E,&O+5%
Góp phần ổn đònh tiền tệ và ổn đònh giá cả
<&'J((20*(@&*(23&D&'@8<+&'78(1&8(5C0&@VA&B+0&''38
8(&',9J(5C260&'&C2+(1&'<&'&&J&(5V-[*Q@C<&'*3*&'C638B1&*2
C9',938C20*C098(3%(67@G'388(&F&-L&(&@%
/[J(3*VBA&B+0&'*+&'23&'75&*(&&J&(50-+J@&*(*3*B&(
&'(@8(&(&(J5(0*(E,&O+5J&(B&(VC9*(E,&O+5&'G*&'8(3<F&V
E,&O+5(&'(3VBL*(7+0C9<*&'&(+-3823&'-260*&(+*+&'G*&'D&'*+,OH
(@%(A&(&(6-3A&B+0&''388(&F&-L&('3*,<&'&263*%
Góp phần ổn đònh đời sống tạo công ăn việc làm và ổn đònh trật tự xã hội
A&B+0&'*33*B+0&'(+3*-FG&&J&(58(3<F&VE,&O+5(&'(37BL*(
7+0&'G*&'D&'*3(F(,9H&&(+*+-6E5&'*+,&'26C-@&'%6&&2HV75&A&
B+0&'*+&'23&'-H0<J(,&D&'J((3**3*&D&'Ef&*37&'+G1&V&'+&C
-@&'V-5V<2&'Y-3*3(F(+(+3-260*C20*C260&'C-@&'*+,OH(@-F0<C20*C260&'
E,&O+5963(+3*-FGD&'<26,&'J&(5%
/@OH(@8(3<F&C&(90&(V-6E5&'-260*F&-L&(*+H&'*3*1&'D&7@*
C9%3C-+K+&<0&'-FF&-L&(<@20OH(@%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
8
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
'<A&B+0&'*&*37<K+&<0&'-F96,<@&'8(3<F&*3*95K+&
(@J&(5-5&'0796,<@&''C2+%
1.1.3 Phân loại tín dụng
1.1.3.1 Căn cứ vào thời hạn tín dụng
D&*237(6'&*(7G*(A&B+0&'<C94C0%
(7G&'I&(0&CC0*(7G*3(6(0&B2639@&D9%'1&(&'*(7G
&'I&(0&&(^9<60*(&(+*+75&C2+-@&'*+,B&(&'(@87*3*&(+*+*(1+
&'I&(0&*+,*3**3&(1&%
(7G<+&'(0&CC0*(7G*3(6(0&29@&D9*(-5&B263Q,G&D9%
'1&(&'*(7G<+&'(0&&(^9<60*(&(+*+75&*5-L&(*+,B&(&'(@8%
(7GB(0&CC0*(7G*3(6(0&2Q,G&D9<6,C1&%'1&(&'*(
7GB(0&&(^9<60*(&(+*+75&*5-L&(*+,B&(&'(@87<60*(*3*B203&
-+27*(7G1+B+&'*3&(1&7*3*&(+*+&(6,V8(26&'@&7@&,%
W<A*(/+0*$%.(&P/H*(26&'4F&'K+&7(0-@&'A&B+0&'*+,'1&(&'
(26&'90 d3*('(@8+0'1&&'(26&'/0 ]c/ .TTbX%
1.1.3.2 Căn cứ vào đối tượng tín dụng
*3.C0
A&B+0&'C2+-@&'CC0A&B+0&'-260**+&'*58&(^9(N&((&(E,&C2+
-@&'*+,B&(&'(@8%P0A&B+0&'&G(26&'-260**(<&(2*(7GB20<2H(&'(3V
*(7G*(8(AE,&O+57*(7G-F(&(3&*3*J(,&&60B263(N&((23**(5J(5+
*3*'5G6*3'3%
A&B+0&'*5-L&(CC0A&B+0&'-260**+&'*58&(^9(N&((&(E,&*5-L&(
*+,B&(&'(@8%P0A&B+0&'&G(26&'-260**58-F8(+0*7+07@*-+29+EI9
E,&*5-L&(V96,<@&'E,&O+5O1GB20&'*3*B&(&'(@8V(6(0&*(7G-5763C0A&
B+0&'&G(26&'C<+&'(0&7B(0&%
1.1.3.3 Căn cứ vào mục đích sử dụng vốn tín dụng
34C0
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
9
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
A&B+0&'E,&O+5CC0*(7G9J(3*((&'E2,B+0&'75&7G*(+G1&-F
E,&O+5<E,&8(F9(&'(3%A&B+0&'E,&O+5'9*3*(7G&1&'&'(@8g*(7G
*1&'&'(@8g*(7GC19 &'2B19&'(@8%
A&B+0&'C2+(1&'CC0*(7G9J(3*((&'E2,B+0&'75&7G*(+G1&-F
J&(B&((&'(3VBL*(7+0%A&B+0&'C2+(1&''9*3*(7G(26&'90W9+ Q3&
J&(B&((&'(3&@-LVJ&(B&(O+5a&(@8J(F+Xg*(7GJ&(B&(BL*(7+0%
A&B+0&'1+B+&'CC0*(7G9J(3*((&'E2,B+0&'75&7G*(+G1&-F
8(+0*7+0*(&(+*+*(1+71+B+&'%A&B+0&'1+B+&''9*3*(7G1+B+&'*3
&(1&g*(7G*(1+J(3*%
A&B+0&'(+19+(G*&'0C(0-@&'*((+1%((+1Q'9*3(
C0C*((+17@&(&(7*((+1*(A&(%E,&*((+1Q'9*,-@&'E,&7
Q5-@&'E,&V9*(+,G5+C93G93*(5QL%
W<A*(/+0*$%.(&P/H*(26&'4F&'K+&7(0-@&'A&B+0&'*+,'1&(&'
(26&'90 d3*('(@8+0'1&&'(26&'/0 ]c/ .TTbX
1.1.3.4 Căn cứ vào chủ thể tín dụng
Tín dụng thương mại
A&B+0&'(26&'90CK+&(@A&B+0&''2H*3*B&(&'(@8<20*58E,&O+5
J&(B&((&'(3V-260*QF+(@&B263(N&((23*9+Q3&*(L+(&'(3%
<&'&&J&(5(L<26&'C+1&O,G<(@&260&'*39@E5B&(&'(@8*3
(&'(39+5&Q3&V<&'-3*39@E5B&(&'(@8J(3*9+5&9+&(2&'*(2*3&%
&(&'(@87632*3*(C&'26Q3&*3(FQ3&*(L+(&'(3*(&'(269+5&9+7
J(-5&(6(0&-H(,(+@&&'269+8(,(&C075&*(&'26Q3&B263(N&((23
&@%
@&260&'(2(5+75&*+,*3*B&(&'(@8(26&'O+G1&O,G<V7N7@GA&
B+0&'(26&'90-3&'9@7<<5K+&<0&'%/@9[-3823&'&(+*+75&*+,&(2H&'
B&(&'(@809(6(5+(+075&C2+-@&'V-&'(6'+38*(*3*B&(&'(@81+(+0
-260*(&'(3%/[J(3*VE20&0(26&'90EH'+38*(*3*B&(&'(@8*(+,-@&'J(
(3*-260*75&&(^9-3823&'JL8(6&(+*+75&*((0-@&'E,&O+5J&(B&(%
Tín dụng Ngân hàng
PK+&(@A&B+0&''2H9@Q1&C'1&(&'79@Q1&C*3&(1&VB&(
&'(@8V*3**1&'GV*3*F*(23*J&(5%A&B+0&''1&(&'-3&'9@7<<5K+&
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
10
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
<0&'%3'388(&(+3*-FGJ&(58(3<F&Q^&'*3*(-+(75&2&6(2E&'&6
(5+7C*+&5'2H5J@97-+2%A&B+0&''1&(&'*&(+3*-FGK+3<N&(@8
<+&'7A*(+075&%(6(0-@&'*+,*3*<+&''&*(A&(V*3*&'+&75&09(6
&(&<_*+,&'C638B1&*2-260*(+G-@&'-F*(7G-3823&'JL8(6&(+*+J&(5%
 Tín dụng Nhà nước
PK+&(@A&B+0&''2H9@Q1&C(&263*7639@Q1&CB1&*2V*3*F*(23*
J&(5Y<&'-3(&263*C&'26-7GV(&263*(+G-@&'75&&(&<_*+,*3*&'
C638B1&*2V*3*F*(23*J&(5V*3*F*(23**(A&(<&'7&'&263*Y
N&((23*(+G-@&'75&*+,(&263*<58(&'8(+3V-B0&'*(h&'(0&(+G
-@&'75&Q^&'&V7&'V&'0@V8(3(&(<38(5+(A&(8(+,V*1&'<3Y
1.2 Lý luận về tín dụng hộ nông dân
1.2.1 Khái niệm hộ nông dân
@&1&'B1&C9@(@'-N&(9<&'-3*3*(&(71&*3E,&*(+&'-F
(0-@&'J&(5*(+&'<&'K+&(@E2,B+0&'-5V<&'(0-@&'E,&O+5&1&'VC19V&'2V
&'(@87<&'9@E5C)&(720*E,&O+5J&(B&(J(3*B8(38C+@K+G-L&(VC*(+,(F
<&'*3*K+&(@B1&E20-3%
1.2.2 Khái niệm tín dụng hộ nông dân
P95K+&(@'2H*3*F*(23*A&B+0&'7(@&1&'B1&VF*(23*A&B+0&'EH
*+&'*5875&*(J(3*((&'W(@&1&'B1&X-F(0-@&'E,&O+5J&(B&(&5+J(3*(
(&'(@-+,-260**3*-+J@&*+,F*(23*A&B+0&'7(H9H&*3*-+J@&-260*JAJ5
<&'(608-&'JAJ5'2H(Q1&%
1.2.3 Mục đích cho vay hộ nông dân
(^90-+J@&7J(+G5&J(A*(&1&'B1&8(3<F&E,&O+5V*,0-5-
-F0<&D&'E+57*(5C260&'5(6&J(1&'*(U-3823&'-+,*(&(+*+<&'&263*9
*&O+5J(F+<&263*&'%
<&'QL*(&1&'B1&8(26&'@&*6E6,7@*(5J)(+@V*1&'&'(@(@&-0
'+38*((0-6H8(,757,79@&(0*&(2<263*JV*3(F(3J(,E20C@(+@*7
(1&&(1&%
1.2.4 Những yếu tố ảnh hưởng đến cho vay hộ nông dân
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
11
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
-[*-F9J&(5&263*V&1&'&'(@8C&'&(J&(5<0&'G5+V&'26&1&'
B1&E5&'*(+,G5+7&1&'&'(@8C*(A&(V&1&*&8(,0-+J@&*((08(3(+G
-260*9&D&'J&(5%
<&'(6-0&'G&G7@*23&'B+0&'<N&(-@J((0*J)(+@7E,&O+5C
<5*&(5V&(2&'B&(+*+75&C63&&'26&1&'B1&C0*3A75&&1&7@**(7G-F
'+38(0-2*6E6,7@*(5J)(+@7E,&O+5C*58Q3*((@&&G%
+38*(&'26&1&'B1&*375&-FC9D&V96,<@&'K+G91E,&O+5V'+38&1&'
**(5C260&'7(@+K+,VJ(1&'*(U9&'C0(@+K+,J&(5*(-5&263*9*&C9
'+*(&'26&1&'B1&%
1.3 Các quy đònh hiện hành của hệ thống NHNo & PTNT về cho vay hộ nông dân
1.3.1 Nguyên tắc và điều kiện cho vay
1.3.1.1 Nguyên tắc cho vay
?(3*((&'7G75&*+,8(,+1&(+,*3*&'+G1&I**6Q,&E+
(23&(5VE2,B+0&'75&7G-+3&'9+0*-A*(-H(,(+@&<&'(608-&'A&
B+0&'%1GC-+J@&1&K+G5-F&'1&(&'-,9Q,(@+K+,A&B+0&'7J(,&D&'(+
(-+,&607GJ((608-&'A&B+0&'-3(0&%
C&<,&60'5*7CH7G-+3&'(6(0&-H(,(+@&<&'(608
-&'A&B+0&'%N*3(20*(@&-260*&'+G1&I*&G&'1&(&'963C957<*&&60*+,
9N&(763J(3*((&'&'2,7-,9Q,&&<&'J&(B&(A&B+0&'%
*+5*+&'V@*Q,-,9&7G8(,(20*(@&(K+G-L&(*+,(A&(
8(+,V(5&'-5*'1&&'(&263*7(263&'B_&7Q,-,9&7G*+,-5763
J(3*((&'%
W<A*(-+4(26&'$(2H&'M+GL&((+&'<&'M+GL&((G+,@
9563?(3*(&' d3*(F9&'A&+0&' ]c@ .TT$X%
1.3.1.2 Điều kiện cho vay
&6*(7GO9O37K+G5-L&(*(7GJ(J(3*((&'8(,(@-+,*3*
-+J@&E+
<263*1&V?(3*((&'8(,*3&D&'C20*8(38C+@B1&E20V&D&'C20*(&(7
B1&E207*(L+<3*(&(@9B1&E20(K+G-L&(*+,8(38C+@
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
12
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
5763B&(&'(@8C8(38&(1&8(,*3&D&'C20*8(38C+@B1&E20%
5763*3*-5260&'J(3*V&(2*3&(1&V-0B@&(@'-N&(V*(+,B&(
&'(@82&(1&V(&(71&(608B&(*+,*1&'G(608B&(8(,*3&D&'C20*8(38C+@7
&D&'C20*(&(7B1&E20%
(23(V/+0*-A*(E2,B+0&'75&7G(6088(38%?(3*((&'E2,B+0&'75&7G
8(,8(+(608763&@B+&''5G8(38-D&'JAJ&(B&(([*J(1&'<3763*3*K+G-L&(
*+,8(38C+@%
(23Q3J(,&D&'*(A&(-,9Q,<,&60<&'(6(0&*9J5%?(3*(
(&'7G75&8(,*39@+,C@5(F+75&*(+,E6,(2H+(9'7K+3<N&(E,&O+5V
J&(B&(BL*(7+0(K+G-L&(*+,2&'F*(23A&B+0&'%
(2323B203&-+2V8(26&'3&E,&O+5VJ&(B&(VBL*(7+0J(,(7
*3(@+K+,([*B203&-+2V8(26&'3&8(+0*7+0-6E5&'J(,(8(+(608763K+G-L&(*+,
8(38C+@
+5*+&'V(,(20*(@&*3*K+G-L&(7Q,-,9&7G(K+G-L&(
*+,(A&(8(+,V*+,(5&'-5*'1&(&'(&263*7(263&'B_&*+,@9%
W<A*(-+:(26&'$(2H&'M+GL&((+&'<&'M+GL&((G+,@
9563?(3*(&' d3*(F9&'A&+0&' ]c@ .TT$X%
1.3.2 Đối tượng và mức cho vay
1.3.2.1 Đối tượng cho vay
'1&(&'*(7G*3*-5260&'E+-1G%
A<L7@2V(&'(3V93G93*V(5QLQ'9*,(+5'3<L'D&'&^9
<&'F&''3<LC1(&'7*3*J(,&*(8(A-F(20*(@&*3*B203&-+2V8(26&'3&E,&
O+5J&(B&(VBL*(7+0([*B203&-+2V8(26&'3&8(+0*7+0-6E5&'%
3*&(+*+*(A&(*+,J(3*((&''9
d5&(+5O+5J(F+V&(@8J(F+J(3*((&'8(,&@8-FC9(+,+0*O+5
J(F+V&(@8J(F+9'3<LC1(&'-3F*(23A&B+0&'*3(9'*(7G%
d5&CH7G<,*(F*(23*A&B+0&'<&'(6(0&(*1&'*(2Q&'7
-2E,&*5-L&(7E2,B+0&'-5763*(7G<+&'(0&VB(0&-F-+2E,&*5-L&(
9J(,&<,CH-260*A&(<&''3<LE,&*5-L&(-3%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
13
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
d5&J(3*((&'7G-F<,*(*3*J(,&7G*(A&(WQ^&'&X*(&263*
&'9*3*J(,&7G-3-H-260*F*(23*A&B+0&'<&'&263*Q,CH&(V&5+*3-+,*3*
-+J@&E+B203&-+2V8(26&'3&E,&O+5J&(B&(VBL*(7+0([*B203&-+2V
8(26&'3&8(+0*7+0-6E5&'E2,B+0&'J(,&7G<1&-&'-260*(20*(@&*3(@+K+,gJ(,&
7G&^9<&'(0&<,&60VJ(3*((&'-0-260*-+J@&7G75&(+@&C60(6&([*5
J@9*(8(AE7637G75&&263*&'9*3J(,&D&'<,&60%
3*&(+*+*(A&(J(3*8(+0*7+0*(K+3<N&(E,&O+5J&(B&(VBL*(7+07
-6E5&'(K+G-L&(*+,&'1&(&'(&263*%
W<A*(-+S(26&'$(2H&'M+GL&((+&'<&'M+GL&((G+,@
9563?(3*(&' d3*(F9&'A&+0&' ]c@ .TT$X%
1.3.2.2 Mức cho vay
&*(7G*D&*237&(+7+7G75&*+,J(3*((&'V923**(7G763
'3<LE,&C9Q,-,9&7G(K+G-L&(7Q,-,9&7G*+,@
9VJ(,&D&'(&<,&60*+,J(3*((&'7G7J(,&D&'&'+&75&V923*8(3&K+G5
*+,-FK+G5-L&(923**(7GV&(2&'J(1&'7260K+3$;`75&20*3*+,
@9V<2<26&'(608-5763J(,&7G2*3*&'+&+,G(3*([*J(3*((&'
7GCF*(23*A&B+0&'%
5&20*3*+,-260*A&(*(F&'&(+*+75&E,&O+5J&(B&(<&'JN
([**(2&'B203&V8(26&'3&E,&O+5VJ&(B&(VBL*(7+V0-6E5&'g923*75&20*3(9
'*+,J(3*((&'7B203&V8(263&'3&E,&O+5VJ&(B&(VBL*(7+0V-6E5&'
5763*(7G&'I&(0&J(3*((&'8(,*375&20*35(F+.T`<&'
F&'&(+*+75&%
5763*(7G<+&'(0&VB(0&J(3*((&'8(,*375&20*35(F+
4T`<&'F&'&(+*+75&%
?(3*((&'*3A&B+0&'763W-260*O58C0(1+(23*8(1&C0
J(3*((&'*+,@9XV&5+75&20*3(58(6&K+G-L&(<1&(N39-5*
&6*(7GK+G5-L&(923*75&20*3(9'7O3*-L&(923**(7G8(+(608763J(,
&D&'<,&60%
5763J(3*((&'-260*&6*(7GC20*(0&38B+0&'*(7G*3Q,
-,9Q^&'E,&(N&((&(275&7Gg7@*O3*-L&(75&20*3(9'V923**(7G(
-+$iK+G-L&(7@*(20*(@&*3*Q@&8(38Q,-,9&7G<&'(@(5&'@
9Q&(&(J9(K+G5-L&(E5$SijM T4%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
14
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
W<A*(-+\(26&'$(2H&'M+GL&((+&'<&'M+GL&((G+,@
9563?(3*(&' d3*(F9&'A&+0&' ]c@ .TT$X%
1.3.3 Các quy đònh về lãi suất
(-+bPHE+5*(7G0*(26&'$(2H&'M+GL&((+&'<&'M+G
L&((G+,@9563?(3*(&' d3*(F9&'A&+0&' 
]c@ .TT$*3'(
/23*CHE+5*(7GB&6*(7G7J(3*((&'(,(+@&8(+(608
763K+G-L&(*+,'1&(&'(&263*7@97CHE+5*(7G0(6-F9
JAJ5(608-&'A&B+0&'%&6*(7G*3<3*(&(@9*1&'Q5*1&'J(*3*923*CH
E+5*(7G*(J(3*((&'Q5%
PHE+5*(7G2+-H-260*38B+0&'-5763J(3*((&'-260*2+-H7CHE+5
(K+G-L&(*+,(A&(8(+,7(263&'B_&*+,'1&(&'(&263*%
<26&'(608J(,&7GQL*(+GF&E&'&60K+3(0&V8(,38B+0&'CHE+5&60K+3
(0&(923*K+G-L&(*+,(5&'-5*'1&(&'(&263*7(263&'B_&*+,@
90(6-F9JAJ5(608-&'A&B+0&'%
<&'<26&'(608*3K+G-L&((G-F7CHE+57*3*<26&'(608*&(5VJ(
J(3*((&'7*3&(+*+V&6*(7G*+&'J(3*((&'(,(+@&923*CH
E+5*(7G8(+(60878(,'(QFE+&'7(608-&'A&B+0&'%
1.3.4 Phương thức cho vay và thời hạn cho vay
1.3.4.1 Phương thức cho vay
3*3*8(26&'(23**(7GE+
Cho vay từng lần C8(26&'(23**(7G99_C&7G75&J(3*((&'7
@9-+C9(+,+0*7G75&*&(57JAJ5(608-&'A&B+0&'%
Cho vay theo hạn mức tín dụngC8(26&'(23**(7G9
@97J(3*((&'O3*-L&((,(+@&9@(0&923*A&B+0&'B+G<N<&'(6(0&
&(5-L&(([*(*(+JNE,&O+5J&(B&(%
Cho vay theo dự án đầu tư:
*(J(3*((&'7G75&-F(20*(@&*3*B203&-+28(3<F&E,&
O+5VJ&(B&(BL*(7+07*3*B203&8(+0*7+0-6E5&'%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
15
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
&6*(7G*+&'J(3*((&'JA(608-&'A&B+0&'7(,(+@&
923*75&-+2B+G<N*(*,(6'&-+2*+,B203&V8(1&-L&(*3*JN<,&60%
'1&(&'(20*(@&',&'1&(5&-@(20*(@&8(26&'3&%
/_C&<+375&7GVJ(3*((&'C@8'5G*(23&'&(@&&60&7G<&'
8(097(0&923*A&B+0&'-H(,(+@&%
<26&'(608J(3*((&'-HB+&'&'+&75&(+G-@&'09(6J(3*-F*(
8(A*(B203&-260*B+G@<&'(6'&*(27G-260*75&*+,&'1&(&'(N &6
*(7G*3(FO9O3*(7GQ+-I8&'+&75&-3%
Cho vay trả gópC8(26&'(23**(7G9@97
J(3*((&'O3*-L&((,(+@&E5&CH7G8(,<,*@&'763E5&60'5*-260**(<-F
<,&60(&(+JN(0&<&'(6(0&*(7G%608-&'A&B+0&'8(,'(<H*3*JN(0&V
E5&<,&606,9_JN(0&'9*,'5*7CH%
Cho vay thông qua nghiệp vụ phát hành và sử dụng thẻ tín dụng
@9*(58&(@&*(J(3*((&'E2,B+0&'75&7G<&'
8(097(0&923*A&B+0&'-F(&(3&&9+(&'(3VBL*(7+07<+3&9[093G
<+3&20-@&'([*-F923&'&9[0-0CG3*+,@9%
@9EH*3K+G-L&(7(263&'B_&*+0(F7@*8(3
(&((,A&B+0&'VK+G-L&(E2,B+0&'(,A&B+0&'V(&(3&&607CHJ((,A&B+0&'-5&
(0&VO2,CG378(097E2,B+0&'(,A&B+0&'7(&(3&&607CHJ(1&'-+3&'(0&-5763
J(3*((&'%
Cho vay hợp vốn C8(26&'(23**(7G9@9*+&'
*(7G<&'9@&(39*3*F*(23*A&B+0&'-57639@B203&([*8(26&'3&7G75&
*+,J(3*((&'V<&'-3@9([*9@F*(23*A&B+0&'-23&'<C9
-+95B&O58V8(5(608763*3*F*(23*A&B+0&'J(3*%
Các phương thức cho vay khác…
W<A*(9+0*.%S8(&.&(,@B+&'*+,*(A&(E3*(A&B+0&'*(+&'(+@**(26&';(A&(
d3*(A&+0&'(+&' dFGA&+0&' ]c@ .TT:X%
1.3.4.2 Thời hạn cho vay
&6*(7G7J(3*((&'(,(+@&7(6(0&*(7G(.C0
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
16
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
(7G&'I&(0&5--5&$.(3&'V-260*O3*-L&(8(+(608763*(+JNE,&
O+5VJ&(B&(7J(,&D&'<,&60*+,J(3*((&'%
(7G<+&'(0&VB(0&(6(0&*(7G-260*O3*-L&(8(+(608763(6
(0&(+(75&*+,B203&-+2VJ(,&D&'<,&60*+,J(3*((&'7A&(*(5&'+&75&
*(7G*+,@9
(6(0&*(7G<+&'(0&2<1&$.(3&'-5&ST(3&'%
(6(0&*(7GB(0&2<1&ST(3&'<6,C1&V&(2&'J(1&'K+3(6
(0&(0-@&'*&C0*+,B&(&'(@87J(1&'K+3$;&D9-5763*(7G*3*B203&-+
28(+0*7+0-6E5&'%
W<A*(-+\(26&'$(2H&'M+GL&((+&'<&'M+GL&((G+,@
9563?(3*(&' d3*(F9&'A&+0&' ]c@ .TT$X%
1.3.5 Quy trình xét duyệt cho vay
3&Q@A&B+0&'58&(@&7
(263&'B_&J(3*((&'7(E6
*(7G75&VJF9<A&(-G-+,V(6088(38V(608763&(2H&'&@B+&'K+-L&(%
a E68(38CG3%
a E67J(,&7G%
a E6-,9Q,&7G%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
17
58&(@&7(263&'
B_&*(J(3*((&'7
(E6*(7G75&
(F9-L&(*3*-+
J@&A&B+0&'
]3B+G@*(7G7JA
(608-&'A&B+0&'
,&'1&V(BHV
'39E37@*E2,B+0&'
75&7G
(+&60VCHV8(A7O2,
CG38(3E&(
(&(CG3(608-&'A&
B+0&'
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
d+J(58&(@&(E63&Q@A&B+0&'(F9-L&(V&'(1&*23+(E67G75&%
3&Q@A&B+0&'&'(1&*23+(F9-L&(*3*-+J@&7G75&C@8Q3*3(F9
-L&(*+,9N&(<N&(*(<26,&'8(&'V-260*B+G@3&Q@A&B+0&'C9(+,+0*'V&(@&
'5G67E,&-,9Q,&7G%
,&'1&(BHV'39E37@*E2,B+0&'75&7GJ(<+3&3&Q@A&B+0&'
(263&'B_&J(3*((&'*D&*237*(23&'2-F'(7J(5263*%3&Q@A&B+0&'JF9<
*(23&'28(3&7G8(,8(+(6087639+0*-A*(O&7G78(,-+3&'*(5-@V8(3&7G
*(J(3*((&'O&'3&Q@A&B+0&'96,EFE3*(-F(BH2&'J(,&7GVEI8O58(E6
J(3*((&'(B&(9+0*-260*K+-L&(%
(+&60V8(A7O2,CG38(3E&(3&Q@A&B+0&'(BH(608-&'A&B+0&'-F(+
&60V8(A-+3&'(0&V(26&'O+G1&C1&(@763J53&-F&I9-260*E5B2J(,&&'2,
*+,J(3*((&'%
]2,CG38(3E&(<&'K+3<N&(*(7G((263&'B_&O2,CG3<&(*(58(608-&'
A&B+0&'((263&'B_&O2,CG3<&(*(58*+,3&%
(&(CG3(608-&'A&B+0&'J(3*((&'<,(5&60V3&Q@A&B+0&'5&(&(8(5
(608763Q@8(@&J53&-5*(5+VJF9<7&<,&60'5*VCHV8(AY-F53&J(,&
7G%
1.4 Một số chỉ tiêu đánh giá hiệu quả hoạt động tín dụng
1.4.1 Nợ quá hạn trên tổng dư nợ
(U1+&G-C26&'*(5C260&'&'(@87+0A&B+0&'*+,'1&(&'
G,C@&G*&'*(N*(5C260&'&'(@87+0A&B+0&'*+,'1&(&'*&'*7
&'260*C0%
1.4.2 Doanh số thu nợ trên doanh số cho vay
(U1+&G-3&('3(@+K+,A&B+0&'<&'7@*(+&60*+,'1&(&'
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
18
60K+3(0&
F&'B2&60
MjW`X

=
djdW`X
=
&(E5*(7G
&(E5(+&60
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
63B&(E5*(7G&(5-L&(<&'9@*(+JN&-3(N'1&(&'EH(+7
-260*Q&(1+-&'75&%@E5&G*&'*(N(@+K+,(+&60*+,'1&(&'*&'
5%
1.4.3 Doanh số cho vay trên tổng nguồn vốn
(UE5&GB+&'-FO3*-L&(*6*5+A&B+0&''+38*('1&(&'O3*-L&(*6*5+
-+2&(27@G*3(608CA(G*(2-F*3',8(38-+*(U&(JL8(6%(UE5&G*&'*
*(23&','1&(&'@&B+0&'(5&'+&75&-F*(7G%
1.4.4 Nợ quá hạn trên tổng nguồn vốn
(U1+&G'+38O3*-L&(<&'F&'&'+&75&*3Q&(1+8(&<D9C&60K+3
(0&%5+(@E5&G*&'**(23&','1&(&'C9D&J(1&'(@+K+,7&'260*C0%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
19
NQH/TNV(%) =

M
djW`X
=
d

Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
Chương 2
PHÂN TÍCH HOẠT ĐỘNG CHO VAY HỘ NÔNG DÂN TẠI NHNo &
PTNT CHI NHÁNH HUYỆN CẦU NGANG
2.1. Giới thiệu khái quát về chi nhánh huyện Cầu Ngang
2.1.1. Lòch sử hình thành và phát triển
'1&&'1&''(@8(3<F&1&'(1&@9*(A&((23*-260*(&(
C@8&'G.SjT4j$\bb('(L-L&(;4jc*+,(+,L*(@-&'c@<26,&'&GC(+,
263&'(A&((+,%*3<+0E6,*(A&(-[0@V7D&8(&'-0B@&8(A
9-[0(&((5(A/&(C'1&&'*375&-+C@C63&&(5S;TTG,-&'
W4$j$.j.TTiV763E5C260&'*(&(3&(Q'9..TT*(&(3&(V8(1&Q55*,*3*(&(8(5V
U&(VK+@&V(+G@&7&(+OH<&'*,&263*X%
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
20
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
 637<C'1&&'(26&'/0K+5*B&((0-@&'*(+,G5+<1&(L<26&'
&@&1&'(1&%<&'&(2H&'&D9K+-H-F(263&'(0-@&'*+,
9N&(8(+0*7+0-I*C20**3(@+K+,*(E20&'(@8*1&'&'(@8(3a(@&-0(3&1&'
&'(@8&1&'(1&*+&'23&'75&A&B+0&'*((19.$<@+C260(@&1&'B1&V(&'&'(N&G,
-&'-F8(3<F&E,&O+5(20*(@&JL8(6*(+,<26&'*(26&'<N&(8(3<F&J&(5
&1&'&'(@8*+,(A&((+,%
+G@&+'&'*37L<A<5K+&<0&'<&'8(3<F&J&(5aOH(@7&&&(
K+5*8(&'VC9@(+G@&7&QF&&^9Q1&Q6E1&'F(1&7*2,+&'+763
J(,&'T\J958'38Q6QF&V0-+J@&J(3(+@&C60*(7@*8(3<F&J&(5&1&'
&'29@*3*(-B0&'V&(5C&'(J((3*QF&7&+1<&'(+G,E,&%
1&E5(+G@&(@&*3$:$Vi:T&'26V<&'-3B1&@*?(9<*3:.V;$4&'26*(59
'&4T`V*3J(,&'\T`C*2B1&&1&'(1&%&(+G@&*3B@&A*(20&(1&4$V\T\
(V-5&1&'&'(@8*3.$Vb4$(V<&'-3-5<&'C+3$iV;TT(V-5<&'9+7*1G
*1&'&'(@8&'I&&'GJ(,&';VTTT(V-5&+1<&'(+G,E,&J(,&';VTTT(V-5C19
&'(@8\;T(V-5QHQ7&E1&'V*&963&F4VTTT((A*((608*(7@*&+1*3*C0
&'(1+VEY
63B@&A*(-5-7-+J@&J&(5&(2<1&@9*(&(3&(
(+G@&+'&'<-6-H-3823&'JL8(6&(+*+*+&'23&'75&-F96,<@&'E,&O+5*(
Q*&&6-1G*(Q*&&1&'B1&&6-1G%
(&(3&((+G@&+'&'C9@<&'&(2H&'*(&(3&(*+,
U&(<&(-260*(&(C@8(K+G5-L&(:TTj&'G$:j$$j$\\T
*+,(+,L*(@&'c@<26,&'&GC(+,263&'(A&((+,%
(&(3&((+G@&+'&'(0-@&'J&(B&((P+@'1&
&'(263*7P+@*3*F*(23*A&+0&'-260*M+5*(@&263*@&']H@(+,
'()@9(1&'K+&'G$.j$.j$\\i7C9@8(38&(1&(0*(3&J&(5-@*C@8
763(263*-260*20*(+,7*(A&(7*3*&B5+<1&'V*3<+0E6,*(A&(-[0J(39
(5&'(5V(L<5&+'&'V(+G@&+'&'%'<V*&*3$*(&(3&(-[0(L
<5&/GHP&'V(+G@&+'&'%LQ&(0-@&'*+,+'&'(+@*
-L'63K+,&CG3(&(*(A&(*+,c(+G@&+'&'%
3**(26&'<N&((0-@&'*+,'1&&'*(+,G5+(263&'7*3*&'&(&'(E,&
O+5J&(B&(VBL*(7+0-[*Q@C<&'C)&(720*&1&'&'(@8&1&'(1&J(+720*-&''[8
J(3J(D&7(5+75&E,&O+5%
2.1.2. Cơ cấu và sơ đồ tổ chức bộ máy
d6-F*(23**+,(+G@&+'&'
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
21
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân


*6*5+F*(23*(+G@&+'&'*34.&(1&71&V<&'-3*3$
395*V.(3395*V$;*3&Q@A&B+0&'V$TJ53&&'1&K+GHV4&(1&71&(&(
*(A&(7$JF9<71&%
2.1.3. Chức năng và nhiệm vụ của các phòng ban
2.1.3.1 Ban Giám Đốc:
Giám Đốc<20*58-+(&(K+G5-L&(&Q@(0-@&'*+,'1&&'V
-&'(6*(L+<3*(&(@9<263*'1&&'*58<1&7(38C+@790K+G5-L&(*+,
9N&(%
Phó Giám Đốc'9.&'26V$8(+0<3*(A&B+0&'V$8(+0<3*(395**(
&(3&(/GHP&'%3&(@97+0(992+*(395*<&'*3*&'(@87+07<20*58
(BH'39E3N&((N&((0-@&'*+,'1&&'%'<*&*3K+G&JA(G*(
395*W&5+-260*39-5*+,GK+G&XV&(2&'-&'(6*+H&'8(,*(L+<3*(&(@9
<263*8(38C+@7'1&(&'7*3*&(@97+0-260*'8(3%
2.1.3.2 Kiểm tra viên:
3&(@97+0JF9<*3*(0-@&'*+,'1&(&'VJF9<A&(8(38CG3*+,Q@
(E67G75&7K+G<N&(O3B+G@*(7G%&'(6(992+763395*-F*(5&
*(U&(&(2H&'EE3<&'K+3<N&((0-@&'*+,-6&7L9N&(%
2.1.3.3 Phòng Tín Dụng:
(20*(@&&'(@87+0J&(B&(&(^9'388(&(+*3-FGJ&(58(3<F&-+3&'
(*(+,<26&'-L&((263&'*+,,&'7(&263*763*3**(23*&D&'7&(@97+0E+
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
22
GIÁM ĐỐC
Phó Giám
Đốc
Phòng Kế Toán
- Ngân Quỹ
Phó Giám
Đốc
Chi Nhánh
Mỹ Long
Kiểm tra viên Phòng Tín
dụng
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
P@8J5(0*((+G-@&'7E2,B+0&'75&*((0-@&'*+,'1&(&'7*(*(
&(3&(/GHP&'%
BL*(<20*58763J(3*((&'V(20*(@&A&B+0&'*(7G-&'(6<20*58
JF9<7'39E3K+3<N&(E2,B+0&'75&7G*+,J(3*((&'((608-&'A&B+0&'%
]1GB20&'*3**(26&'<N&(B203&V(F9-L&(B203&7C20*(0&8(26&'3&-+2
*3(@+K+,%
+75&-5&*(&(3&('1&(&'/GHP&'%
(5&'J1V8(1&A*(E5C@+(0-@&'V(20*(@&8(&'&'27O2,CG3<+,<A&
B+0&'%
(26&'O+G1&(BHVQ3*37N&((N&(*1&-5&'+&75&7E2,B+0&'75&%
(20*(@&Q3*3F&'J5(&'(3&'V(&'K+AV(&'&D9(K+-L&(*58
<1&7C+@*3*F*(23*A&B+0&'%
?F9<VF&'(608*3*Q3*3*(+G1&-(K+-L&(%
O+5*3*Q@&8(38V*(5&C260*J&(B&(*+,'1&(&'%
2.1.3.4 Phòng Kế Toán - Ngân Quỹ:
Bộ phận kế toán:
<20*58(0*(3&J53&V(0*(3&(5&'J1V(0*(3&BL*(7+0(&(
3&Y(&'(@87+0K+,&CG37E2,B+0&'*3*K+GH(C+@-L&(%
@8(+5(+&(@8Y(C+@&(2Q5JNF*(23*J&(5&%%
]1GB20&'J5(0*(*(A&(K+G53&(+*(*(A&(VK+G53&*3*
J(,&&C26&'V8(+0*58VQB26H&'VJ(&(26,&'Y*(*3&Q@V*1&'&(1&71&-6&7L
9N&(%
(20*(@&*3*J(,&'&@8V(9'(L<26&'(&(3&V(<26&'&
'2,%
M+,&CG3(E6*+,J(3*((&'V(&(3&&(&(*(3&'VJL8(6V-,9Q,&
&E,&(+@*C)&(720**+,Q@8(@&J53&K+,&CG3%
Bộ phận ngân quỹ:
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
23
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
M+,&CG3&&&'1&K+GHV(20*(@&*3*K+-L&(VK+*(57&'(@87+0(+
*(V7@&*(+GF&&-<1&-26&'%*3<3*(&(@9JF9<7'39E3-&'&-F8(3
(@&&',&(^9(0&*(5C260&'&',C2+(1&'<1&(L<26&''388(&F&-L&('3<L
*+,-&'&@9%
(&(3&(/GHP&'C*(&(3&(<20*(+@*(+G@&+
'&'V(0*(3&&'(@87+0-@*C@8&(2&'8(,+1&(+,*3*K+-L&(VK+*(5*+,'1&
&'(263*7(0*(3&&'(@87+0%,9<3*(*1&'3*(+G-@&'7*5875&A&B+0&'
C1&OH(L<5&/GHP&'V/GHP&'cI*V/GHP&'9%
2.1.4 Kết quả hoạt động kinh doanh
Bảng 2.1: Tình hình hoạt động kinh doanh của Ngân hàng qua 3 năm (2006 –
2008)
W<@+-&'X
(U1+
D9
.TTS
D9
.TTi
D9
.TTb
dE3&(.TTij.TTS dE3&(.TTbj.TTi
(1&(C@*( ` (1&(C@*( `
F&'B&((+ .bV4:\ 44V$Tb :4V4\; :Vi;\ $S%i\ $TV.bi 4$%Ti
F&'*(8(A .TVbS4 .4VS:; 4:Vb.S .Vib. $4%44 $$V$b$ :i%.\
P60&(+@& iV:bS \V:S4 bV;S\ $V\ii .S%:$ ab\: a\%:;
W'+&(&'?53&'1&M+GHX
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
24
Khoá luận tốt nghiệp Phân tích hoạt động cho vay hộ nông dân
T
;VTTT
$TVTTT
$;VTTT
.TVTTT
.;VTTT
4TVTTT
4;VTTT
:TVTTT
:;VTTT
D9.TTS D9.TTi D9.TTb
Biểu đồ 2.1: Kết quả hoạt động kinh doanh của Ngân hàng
F&'B&(
(+
F&'*(8(A
F&'C60
&(+@&
M+Q,&'E5C@+<1&(5G(0-@&'J&(B&(*+,'1&(&'K+4&D9
-+*3CH%F&'B&((+K+*3*&D9-+D&'&(2&D9.TTSF&'B&((+C.bV4:\
<@+-&'VE&'&D9.TTi-HD&'(19:Vi;\<@+-&'WD&'$S%i\`E763&D9<263*X
&1&'923*F&'B&((+C1&44V$Tb<@+-&'%D9.TTbC&D9*3&(+75&-O,G<6,
&263*&(2N&((N&(C098(3VJ(+,&'(,&'J&(5Y&(2&'J(1&'7N(595*-@D&'
B&((+*+,&D9&GE+0',9%207E5C@+*+5&D9.TTb*((5GF&'B&((+
-0-260*C:4V4\;<@+-&'D&'(6&&D9.TTi63$TV.bi<@+-&'23*4$%Ti`%
E&'E&'763B&((+(NF&'*(8(A*+,*(&(3&(*+H&'UC@(+@&7635*
-@D&'*+,B&((+-F&(N&(&(2&D9.TTSF&'*(8(AC.TVbS4<@+-&'-5&&D9
.TTiF&'*(8(A-HD&'(19.Vib.<@+-&'26&'-26&'$4%44`%(2&'<H&3&(57_&
C&D9.TTbJ(F&'*(8(A*+,&D9.TTi*(UC.4VS:;<@+-&'(N-HD&'C1&(&(
4:Vb.S<@+-&'WD&':i%.\`XJ(E&'&D9.TTb%d6,B)5*-@D&'*+,*(8(AD&'*
&(27@GCB<&'&D9&G*(&(3&(-H38B+0&'(@(5&'8(&99d-27(0
-@&'&1&5&<5&(+*(8(A*(7@*<&'QL93G93*7*(8(A-0*(-@&'+H
&(1&71&V*(8(AJ(+G5&9H(+(+3J(3*((&''2,&7'1&(&'Y
(N&7QF+-.%$(5G-260*C60&(+@&K+*3*&D9-+D&'W&D9.TTiC
*&(5X&(2&'&D9.TTb*38(&',99@*(+3E763&D9.TTi%,&((26,&'*+,7@*
D&'*(8(A&D9.TTb-HC9*(C60&(+@&*+H&'',9(%F&'C60&(+@&&D9.TTb
9&'C0CbV;S\<@+-&'',9b\:<@+-&'W',9\%:;`XE763&D9<263*%
2.1.5. Thuận lợi và khó khăn của chi nhánh ngân hàng
GVHD: TS.Trần Trọng Khuê SVTH: Hồ Thanh Nam
25

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