Giải pháp phòng ngừa và hạn chế rủi ro tín dụng tại Ngân hàng Phương Nam chi...
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Transcript of Giải pháp phòng ngừa và hạn chế rủi ro tín dụng tại Ngân hàng Phương Nam chi...
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + = +
Hs5 AG@ B?
HO K Z=! Yag ls ygoy!
Aa boag y lm ky }zl `om la` sgy y~oa(agz lz o go ta la`
lmf! Ky y~fa` aga` a`za ta k l aga(y lgl t ll ifmag a`gos l yg
yos la h ta yaia` a`a ga`! ta l wjk wy h tmo y~ lm ta
ya ia` a`a ga` to bgm lag lm a`o la ta ! Ag t( az a` io `l
a`a ga`( a`za ygz lg z lm a`a ga` l yf ~m y sga ha bgfa
kl lgf tm |fa` ky y~fa` aga` ~o ~f k a`a ga` `s sgo yg ~o ~f ya
ia` lgok y y~a` ha!
l noy |mz lzl bga` gfa` yo lgag yfa lz a ~m ny a`za y a`gm
t lgf tm lm ky a`a ga` yo K(ga` hfy ll a`a ga` n |s ( ga`
hfy gz }z k aa boag y yfa lz sgo `ag lgz( l yg ao la` if agoz
a`za aga y | ya` y~a` ya ia`!T | ya` y~a` ya ia` | bf ygjf |
~m ya` ~o ~f ya ia`! oz a ag ga` ~y agoz a goz }z | ia` ta t
hk ga lg tol k ~a` ya ia` lm AGYK!A`za aga ia a yag y~a` y~a yg agoz aga` a`za aga lgag h `6
@oo sgs af lgf tol `oo }zy aga` bg bga la ya a` o yk lz y~ ho
lgf ga` hfy ta ao y~a t }zm ygo `oma ygl ys yo A`a ga` Sga` Amk
lgo agag ygmag wza( tol lga yo 5@oo sgs sga` a`m t ga lg ~o
~f ya ia` yo A`a ga` Sga` Amk lgo agag ygmag wza! Ygjf jk a`g
h la ygoy! To g ta` y~fa` }z y~ag ygl ys yo lgo agag( to bgfa` ygo`oma a`goa lz( yo l hm lga hk lgza yy a`gos | `s sga af
`os lgo agag yk l ygk aga` `oo sgs lgf tol sga` a`m ~o ~f ya
ia` sg gs to bg aa` goa l lm a`a ga` !
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + > +
Hs5 AG@ B?
>! Kl ag a`goa lz lm yo!
+ G yga` gm aga` h ygzy l na l hoa }zma a~o ~f ya ia`5~o ~f
ya ia` h `(ll iz goz aga noy(k gag f ha`(noa sgs lgza` lm ~m sga` a`m ~o ~f ya ia`!
+ A`goa lz boag a`gok sga` a`m ~o ~f ya ia` lm ky | al!
+A`goa lz ygl y~a` ~o ~f ya ia` yo a`a ga` Sga` amk lgo agag
ygmag wza( ag `o aga` by }z y l(ga lg t a`za aga ia a ga
lg!Y~a l | m ~m aga` `oo sgs l yg sga` a`m ~o ~f ya ia` yo
a`a ga`!
+ yo lg a`goa lz ~o ~f ya ia` t noa sgs sga` a`m y~a l | lg
yoz ag ha` !
+ Sgk to a`goa lz5aga` ta hoa }zma a gfy a` ya ia` t ~o
~f ya ia` y ak >330 a ak >33?!
9!Sga` sgs a`goa lz !Lgza | ia` noa sgs iz ty noa lga` |z hza h`ol( |f |ag(
yga` b( k y
:!By lz lm yo !
A`fo sga k z(by hza(lgza l lgom ygag < lga`5
Lga` = 5 L | h hza t ~o ~f ya ia` y~fa` gfy ia` boag ifmag lm
a`a ga` yga` ko!
Lga` >5 Ygl y~a` ~o ~f ya ia` yo A`a ga` Sga` Amk lgo agag
ygmag wza !
Lga` < 5 Ky | `oo sgs sga` a`m t ga lg ~o ~f ya ia` yo A`a
ga` Sga` Amk lgo agag ygmag wza !
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + < +
Hs5 AG@ B?
LGA@ =5
L \ H HZA T ^O ^F YA IA@ Y^FA@ GFY A@BOAG IFMAG LM A@A GA@ YGA@ KO!
O ^o ~f ya ia`!
=! Bgo aok(sga hfo ~o ~f ya ia`!
=!=! Bgo aokY~fa` aa boag y yg y~a`(lza` ls ya ia` h lgl aa` boag y l na
lm a`a ga`(o to gz gy ll a`a ga` i a ya ia` yga` lgok yo
ga :3* ya` yo |a t l ygz ags y ya ia` lgok bgfa` y :3* a 03*
ya` ygz ags lm a`a ga`!^o ~f y~fa` boag ifmag a`a ga` l wz ga` ys
y~za` lg z tf imag kl ya ia`!I l agoz lo llg y~fa` hag tl ilg
t yo lgag yg ~o ~f ya ia` ta h a`za aga ` ~m sg |a a`a ga`( Lgf
a am l ~y agoz }zma ok t ~o ~f ya ia`( yz agoa lga` ym lgo
a`goa lz ~o ~f ya ia` h `6 T |mf sgo yk ll `oo sgs agk` a`a a`m
~o ~f ya ia`! ^o ~f ya ia` h hfo ~o ~f sgy |oag y~fa` }z y~ag ls ya ia`
lm a`a ga`(noz goa y~a ygl y }zm tol bglg ga` bga` y~ l a gfl
y~ a bga` a` ga lgf a`a ga` !
Ygjf }z ag yo bgfa = oz > }z ag t sga hfo a( y~lg hs t |
ia`i sga` i w h ~o ~f ya ia` nma gag ygjf }zy iag | 9?33:&] +
AGAA a` >>&9&>33: lm yga` l a`a ga` ag al5 ~o ~f y~fa` gfy a`
a`a ga` lm( y lgl ya ia` if bglg ga` bga` ygl goa gfl bga` l
bg aa` ygl goa a`gm t lm kag ygjf lmk by!
L yg ao ~a` ~o ~f ya ia` l yg wzy goa y~fa` ll ko }zma g k
y~fa` a`a ga` h lg a( bglg ga` h lfa a ho bga` ygl goa a`gm t
y~ a bgo a ga! A ioa ~m y~fa` }z y~ag lgf tm( lgoy bgz la`l lgza
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9 +
Hs5 AG@ B?
aga` t `o y l `o( lgf ygz yo lgag( nf hag nmf ygmag yfa lm a`a
ga`!
Y ll ag a`gm y~a(l yg ~y ~m ll ao iza` l na t ~o ~f ya ia` ag|mz5
+ ^o ~f ya ia` bgo a`o o tm |mo ga 'ijdmzhy/ y~fa` ygl goa a`gm t
y~ a ygjf gs a`( nmf `k ta `l gfl ho! \ |mo ga l yg h y~ ga
'ijhmji smkjay/ gfl bga` ygmag yfa 'afasmkjay/!
+ ^o ~f ya ia` | ia a ya ygy t yo lgag( yl h `ok ygz ags ~a`
t `ok `o y~ yg y~a` ta! Y~fa` y~a` gs a`gok y~a` l yg ia a ygzmh(gfl kl lmf ga h sg |a!
=!> tmo y~ lm ya ia`!
=!>!= Ya ia` `s sga ygl }z yag yo |a wzy w go!Yg agy(tmo y~ }zma y~a` agy lm ya ia` h lza` a` ta ky llg
bs ygo lgf agz lz |a wzy t yoz iza` lm ll lg yg boag y y~fa` w
go!Ag k ll lg yg a agmag yl |a wzy la` ag yl
yoz yg |a sgk!
Yg gmo(ky g yga` ll y lgl ya ia` m ia` bga` aga` ygm
ka agz lz m ia`t ta lm aa boag y k la hk lgf | yos la ll
a`za ta ya ia` y~ aa i ia`(yoy bok lgo sg `omf ilg t `ok ny
ll lgo sg a`za ta lgf ll lg yg boag ifmag!
Yg nm(tol k ~a` t aa` lmf goz }z ll gag ygl ya ia` | yf| lg a` lgf ll ifmag a`gos y~fa` tol ygl goa b gflg |a wzy
boag ifmag bgo a bga` sgo sg ygzl }z agoz tf a`za ta y l lm
na yga!oz a `os lgf ll ag |a wzy ylg ll yk bok l go z
yko t aa` lmf aa` hl |a wzy lm w go!
Yg y(ll a`za ta ya ia` l lza` a` hza bk ygjf ll oz
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + : +
Hs5 AG@ B?
boa ya ia` ga lg ~o ~f f l t ~o ~f hm lga o a`glg!Nzl
aga` a`o o tm sgo }zma yk ygl | a goz }z | ia` ta k
nf ko }zma g hz io to ll y lgl lza` a` ya ia`!
=!>!> Ya ia` h bag lgza yo yl a` lm ag al a ll kl yoz t k!Ll kl yoz lm aa boag y t k nmf `k a ag `o l! Ya` y~a`boag y
t yf la` a tol hk!Tol k nf y l boag y t k go gmsg ygzl
ky sga tf bgo ha` t l lz ya ia` wy l t ky ygo ga la` ag o
ya` ya ia`!Ta a( a hy a ho sg ygzl tf ll oz boa ya ia`
ag ho |zy( oz boa tm(z lz yg lgs nf hagt lg y~a` k ~a` ya
ia` l }z ag y~fa` lgag |lg ya ia`y~fa` ya` ygo b!
=!>!< Ya ia` h la` l ygl goa ll la` l lgag |lg w go!Ll lgag |lg w go( t ky na lgy l s a` na` a`za yo y~
bga` gfa ho y A`a \lg Ag Al( |fa` sga` ygl yo y~ bga`gfa ho
yga` n ga lg t }z k t ygoz goz }z! bgl sgl ga lg a(
sga` ygl yo y~ bga` gfa ho l wz ga` n ygm yg no sga` ygl yo y~
l gfa ho lm ya ia` agk iz y~ a`za lza` ls yo lgag t l oz boa k
~a` }z k ya ia` lgag |lg!
=!< Ll lg yoz f ha` ~o ~f ya ia`!
=!
ygm ygza `go y~a gs a`ya ia`!Bgo ky ka abga` y~ l tf b ga
a(yfa n a `l la ho lm gs a` | l lgza ygag a }z ga! Ygjf
}zy ag 9?33:&]+AGAA 5 a }z ga h bgfa a k ky sga gfl
yfa n a `l gfl ho }z ga!
Y h a }z ga ; I a }z ga & Ya` i a!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 4 +
Hs5 AG@ B?
Y h a sga ag lg | ya` o `om i a k a`a ga` bga` ygz go
l a` ygo ga ag lmk by y~fa` gs a` ya ia` to ya` i a k
a`a ga` lgf tm!lg yoz a h lg yoz l na y~fa` tol ag `o lgyha`la` ag bg aa` }za y~ ~o ~f lm AGYK!Lg yoz a la`lmf yg lgf yg
bg aa` }za y~ ~o ~f t lgy ha` ya ia` lm a`a ga` la` bk !
=! A wz t y h a wz y~a ya` i a!A wz h bgfa a }z ga t bk ygjf ky | yoz lg bgl ag }z
kyb ga `om ga a gfl bga` l yo |a k nf(gfl yo |a bga` na
l(lfa a ygzm h y~oa koa(sg |a! toy amk(ygjf }zy a(a wz h ll
bgfa a ygzl ll agk
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 0 +
Hs5 AG@ B?
=!
Yo Toy Amk goa am(tol y~lg hs i sga` ~o ~f ya ia` lm gz gyll A`a ga` ygl goa ygjf }zy ag | 9?33:&]+AGAA! Yz agoa(
A`a ga` ag al la` l }z ag ~a o to ll y lgl ya ia` l
oz boa la` l sgs s ia` sga` sgs ag yag sga hfo a t
y~lg hs i sga` Ygjf (y ygzl tf tol sga hfo a tf agk af k l
y h y~lg hs ya` a` ygjf a`za yl ygo ga }z ga la` lmf yg y h y~lg
hs la` haAg t(i sga` ~o ~f la` h ky lg yoz f ha` ~o ~f ya ia` y~fa`
gfy a` ya ia` a`a ga`!Az i sga` ~o ~f ya ia` lmf yl h y h a }z
ga t a wz y~fa` ya` i a la` lmf t a`l ho!
>! A`za aga t `oo sgs ga lg ~o ~f ya ia`!
>!= A`za aga lm ~o ~f ya ia`!
>!=!= ^o ~f g yga`!If noa a` yga` wza lm ko y~a` y agoa5 Aga` noa a`
t ygo yoy(bgo gz ` ag ga` yo gfy a` boag ifmag(|a wzy!l noy h
hag tl |a wzy aa` a`gos!
If aga` noa a` lm aa boag y yg `oo5
Yg y~a` yg `oo noa a` ~y agmag t bgf i fa!Aa boag y Toy amk
ho sg ygzl }z agoz tf |a wzy aa` a`gos t la` a`gos sgl t aa`a`gos 'azo y~a`(lg noa ygl sgk(a`za hoz/( iz yg! Km `om
la`^y ag lk to `o l yg `oo aa i ya yga` bgo yg y~a` yg `oo
noa a` wz!
If | ygm o y~fa` lgag |lg lm lgag sg 5 Al ym ma` y~fa` `omo fa
go ags(aa boag y ma` sgy y~oa( lgm ygy | a ag y~fa` ko y~a` ko!
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 7 +
Hs5 AG@ B?
Lgag sg yga` wza m ~m aga` lgag |lg oz lgag bs ygo aa boag
y y~ag bgo aga` yl a` wz h bga` yg y~ag bgo!
If ko y~a` sgs h 5Gfy a` boag ifmag lm l bglg ga` t a`aga` z lgz | yl a` lm g yga` sgs hzy( bgo g yga` sgs hzy la
agoz ny ls(i ia a yag y~a` ygmk ( hm f(lgok fy yo |a t ag
ga` wz yo yag y~a` yo lgag lm l a`o o tm t a`o lgf tm!
Aga` ~o ~f kma` yag g yga` a wzy sgy y aga` a`za aga bglg
}zma ty ~m bgo yk bok |fy lm ll lg yg y~fa` aa boag y( sga af
y~ag l aga` ~o ~f A`a ga` la ag na ak ny(w h yga` yoa la`ag i nf bg aa` l yg w ~m `ok ygozl ya ygy!
>!=!> ^o ~f l noy!m/ Wzy sgy y yag y~a` ygfa` yoa bga` la wa` t hm lga o a`glg!
Hm lga o a`glg h ky yag y~a` boag y l yg a |oag if ya yo yag
y~a` yga` yoa sgo o wa`(a`o ym hm lga yg yy ho lga sgo yg bga` yy!
h ky hfo ygy no yg y~a`!^o ~f ya ia` l yg sgy |oag y }z y~ag sga ylg t ygk ag ya ia`
bga` b ha` ia yo |mo hk y~fa` }zy ag lgf tm( Gfl ag |mz bgo ls ya
ia` lgf bglg ga`! A`a ga` bga` lg y~a` yo la` yl `ok |y(bok y~m(
g yga` }za h yga` yoa sgl t boag ifmag z bk bga` lza` ls bs ygo
ll yga` yoa k a`a ga` z lz!ia yo ta tm bga` l | ia` a`
kl lg(bga` sgy goa bs ygo aga` bg bga t yo lgag k bglg ga`ma` `s sgo l aga` noa sgs w h bs ygo ` ~m ~o ~f ya ia` lgf a`a
ga`Ygoz | y~mf o `om ll AGYK to agmz ia yo lgf tm ky bglg
ga` ty }z `oo ga yo m! ^o ~f | lgom z lgf ll a`a ga` yga` ko!
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + ? +
Hs5 AG@ B?
n/ Wzy sgy y ~o ~f f l!
^o ~f f l h ky ygzy a` l | ia` lg ky hfo ~o ~f sgy |oag
bgo f l lm lg yg boag y n |z ygfo!^o ~f f l h ky boz ygy no ygy~a` a |oag y~fa` ko y~a` yga` yoa sgo o wa`!
^o ~f f l sgy |oag bgo ky na bga` k nf ygl goa ygm ygza y
y~l gfl l aa` hl yl a`(oz lgag gfl sga a` to ky gfl ky |
oz n |mo hlg bgo ygm yza nma z y~fa` bgo 'll/ na la ho bga` yg hk
l!A bgl to ~o ~f hm lga o a`glg lg ~o ~f hm lga o a`glg sgy
|oag bgo k sga y l ygm ygza la` na`!^o ~f f l wzy sgy y l sgm na yga a`a ga` t bglg ga` tm
ta!Y na yga a`a ga`( | ygm gm lm la n ya ia`!
^o ~f ya ia` wzy sgy y a`za aga af yg la` kma` ho ya ygy ~y ha
lgf a`a ga`( tol sga ylg ll a`za aga ` ~m ~o ~f ya ia` | `os a`a
ga` l noa sgs w h yy ga!
>!> @oo sgs ga lg ~o ~f ya ia`!
>!>!=m ia` gm imag kllgf tm!A`za yl ga lg ~o ~f o to ll ag boag ifmag h bga` aa lgf
y~a` tf la` ky `o!m ia` gm imag kl lgf tm la` hk `ok ygoz ~o
~f ya ia`!T | ys y~za` i a }z ha tf ky a`gag a`g( ky hfo gag lgf
tm( ky hfo o ya` bglg ga`\ ` ~o ~f lgf a`a ga` bgo o ya`
k a`a ga` ys y~za` i a `s ~o ~f!
>!>!> Ya` la` la` yl ygmag y~m(bok |fy!Bok |fy ~o ~f ya ia` h tol | ia` ll noa sgs a`a lga gfl
`ok ygoz bg aa` ~o ~f ya ia` gfl `ok ygoz ~o ~f ya ia` ` ~m! h
ky bgz yg goa ~ agy lgoa hl la` ag y ya` lm ko AGYK t ta
}za y~ ~o ~f y~fa` gfy a` ya ia`!Ll AGYK la l ky g yga` l lz y
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =3 +
Hs5 AG@ B?
lgl t bok |fy ao n ga` yo }za y~ ~o ~f ya ia` t la` l lm ga lg
~o ~f ya ia` goz }z |mf lgf ya ygy w ~m ak y~fa` bg aa` lgs aga
k nf lgf tol ygl goa ll gfy a` boag ifmag lm a`a ga` | hza kma`ho goz }z t ygz ags lgf a`a ga`! Az bga`l bg aa` bok |fy yy(ya
ygy | ~m l yg ty }zm bg aa` lgs aga yg a`a ga` l yg ~o tf yag
y~a` a`z gok!
>!>!!>!9 Ygl goa sga hfo a ty~lg hs i sga` ~o ~f!]z i sga` ~o ~f h a`za n s lg z lm aga` bgfa ya ia`
n ya ygy }zm `os a`a ga` y~ag l ll y~a` gs bg bga t yo lgag
l yg ia a t!Tol y~lg hs i sga` ~o ~f la sgo l ygl goa ygjf
a` }z ag lm A`a ga` ag al!
Tol sga hfo a tm y~lg hs i sga` ~o ~f l ygl goa ygjf }zy
ag | 9?33:&]+AGAA a` >>&39&>33: lm yga` l AGAA Toy Amk!
Ag sga y~a y~ag n
>!>!:l hs `om lgl aa` na ga`(yl a`gos t }za y~ ~o ~f `ok ygoz ~o ~f wza` kl ygs agy(la ygoy l | l hs `om
ll lgl aa` k ky la n ya ia` a`a ga` goa am yga` ygl goa( h
lgl aa` na ga` 'yos wl bglg ga`( k sga t yos yg/( lgl aa`
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + == +
Hs5 AG@ B?
}za y~ ~o ~f 'sga ylg ygk ag(i nf(f ha`(ag `o hoygjf ag b/
t lgl aa` yl a`gos'w h g |( ygjf io( `ok |y bgfa tm( ygz a( ygz
ho/
>!>!4Nf gok ya ia`Ll la` y nf gok la` h ky y~fa` aga` `oo sgs k ll ag boa g
ifmag a`a ga` a`g yo y~fa` tol ga lg ~o ~f o to aga` bgfa ya ia`
ls!Bgo k ll AGYK lk yg gfy a` ya ia` l bg aa` w ~m ~o ~f
aga` ag boag ifmag a`a ga` ho bga` kza n sga ho agza blg w! G
l yg ga lg ~o ~f na` llg lgza ny ky sga ~o ~f yok a lgf ll lg
yg l bg aa` t |a |a` lgz ~o ~f yga` }zm tol 5
Na ~o ~f5 yl h lgza ~o ~f |ma` lgf ll lg yg l bg aa` lgz~o ~fha ga( yga` h ll a`a ga` ha ga gfl ll y lgl y~za` `oma yo lgag
l yok hl ha ga ga` sg gfm ga`
a` yo y~5 h gag ygl agoz A`a ga` la` ls ya ia` lgfkybglg ga` to | ta tm }z ha(lgm a` agoz ~o ~f!Kzm nf gok ya ia` `k5Nf gok ya ia` `oa yos 5 A`a ga` z lz bglg ga` sgo y~lyos n
yoa ~m kzm nf gok lgf gfy a` |a wzy boag ifmag lm g!Bgo bglg
ga` `s bg bga la` y nf gok l y~lg agok `os bglg ga` ygmag
yfa a lgf A`a ga`!
Nf gok ya ia` y~l yos 5 hl abgo ls ya ia`(A`a ga` sgo y~lyos n ky bgfa yoa kzm nf gok t bgfa yoa a | l yag tf lgo
sg ta tm l bglg ga` lgom |! Gag ygl ya ia` a lg l s ia`
to ll bgfa ya ia` l `o y~ ha t ygo `oma io
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
12/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + => +
Hs5 AG@ B?
>!>!0 Nf k ya ia` a`a ga`Ll nf k ya ia` yga` yga` nmf `k 5 Yo bgfa sgo ygz(ga` ya
bgf( o |a lk l(yg lgs!nf hag lgf na yg nm!Bgo aga l ll nf kya ia`(A`a ga` la sgo ag `o yag sgs h(bg aa` hz yga`(bgaa`
sgy ko(ag `o sg gs to `o y~ yo |a!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
13/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =< +
Hs5 AG@ B?
BY HZA LGA@ =
Y~fa` lga` a( lgza hk ~ l | h hza t ya ia` t ^^YI!
^^YI l yg sgy |oag if ~y agoz a`za aga lg }zma gfl bglg }zma! Ll noa sgs sga` lga` ~o ~f l yg ak y~fa` yk ym lm ll AGYK aga`
la` l aga` noa sgs ty a`fo bg aa` lm ~oa` ya` a`a ga`( hoa }zma
a ta ao yo lm na ygma aa boag y a` lgza o( ma` ag ga` k
gag sgy y~oa Toy Amk! Y~fa` yk ym lm ll a`a ga`( ~o ~f ya ia` sg
ygzl tf aa` hl lm la n ya ia` y~fa` tol sgy y~oa t ga lg ~o ~f y
hl wjk wy }zy ag lgf tm la` ag y~fa` |zy ygo `oma tm! la` lgagh yoa }zma y~a` lgza yos yl tf lga` |mz!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
14/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =9 +
Hs5 AG@ B?
Lga` OO
Ygl y~a` ~o ~f ya ia` yo AGYK Sga` Amk lgo agagYgmag wza
OO `oo ygoz bgo }zy t SAN Lgo agag Ygmag wza!
=! Hlg | gag ygag!A`a ga` Sga` Amk'\fzygjk Nmab/l ygag hs =?&:&=??:7 Koag Sga`( ]za ==( Ygag sg G Lg Koag
To | ta nma z h =3 y a`(A`a ga` Sga` Amk ~m o y~fa` oz boa
aa` hl yo lgag la ag n |f to agz lz sgy y~oa boag y y~fa` w go! Ak
=??< SAN lg ko y ya` ta gz a` y a`2I a >=(4 y a`2Ho
agza >:7 y~oz a`!Gfy a` a ygza lgf tm(lgm sgy y~oa t ilg t(
ka` ho y lgl gfy a` ~y gs(ak z lg l 3= go | t 3= lgo agag!Goa am SAN l ka` ho gfy a` to 79 lgo agag(sga` `omf ilg t
ll a t y~l ygzl y~a yfa }zl! o a` aga toa =!=?= a`o( y~ag y~a
o gl h y~a ?339 ygag hs Lgo agag Ygmagwza lm go a` }za y~ SAN a` !>339!
Ya `o5A`a ga` YKLS Sga` Amk lgo agag Ygmag wza
m lg 5\ 4 h =
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
15/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =: +
Hs5 AG@ B?
yag a ag hz io(aga` |mz : ak gfy a`!A`a ga` SAN lgo agag Ygmag
wza y bga` ag t y~ lm kag y~fa` yg y~a` yo lgag yoa y yg !Ag
a hl oko bga` a`a` ygjf ag ga` lm SAN( Lgo agag SAN Ygmagwza wl ag lgf kag lgoa hl boag ifmag( yl sgfa` hk tol goa o(
aa` a` y~fa` `omf yos o to bglg ga`( m ia` gm ll a`gos t A`a
ga`(sgy gz yg kag(k ~a` ka` ho gfy a`(s a` yy agy ko agz
lz lm bglg ga`( `ssga aa` lmf goz }z boag ifmag lm lgo agag!
Tol ygag hs lgo agag Ygmag wza to kl lg sgy y~oa ka` ho gfy
a`!m ilg t A`a ga` a to m na ia l( yf oz boa ygza ho sgl t yy agy ll agz lz |oag gfy t sgy y~oa boag y( w go( a` ygo sgy
y~oa }z k gfy ia` yf ho yg lag y~mag(ya` goz }z boag ifmag lgf A`a
ga` Sga` Amk!
Goa am( SAN lgo agag Ygmag wza h lgo agag ls = lm SAN lgo agag
G Ao!
o a` aga toa SAN lgo agag Ygmag Wza l >3 a`o(y~ag o glt y~a o gl h =33*!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
16/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =4 +
Hs5 AG@ B?
>! Bgo }zy yag gag gfy a` boag ifmag yo Lgo agag Ygmag Wza!
>!= K gag y lgl A`a ga` Sga` Amk Lgo agag Ygmag Wza!Na` =5 K gag y lgl lm SAN Lgo agag Ygmag Wza
Lgl aa` lm ll sga` nma5
m( Sga` boag ifmag5
" Ygl goa la` yl boag ifmag ya ia` a`a ga`( h sga` `omf ilg
to ko o ya` bglg ga` l agz lz t ya ia`( wjk wy l yg ls ya ia`
lgf bglg ga` l bga`(}za h ll |a sgk(lsya ia` sg gs to lg
ya ia` goa gag t ga` ia lm A`a ga` YKLS Sga` Amk agk
k nf ma yfa ta t goz }z!" Ygl goa ll a`gos t hoa }zma a Ygmag yfa wzy ags bgz ga` gm
ilg t nf hag lm bglg ga`!
" W ia`( A`goa lz(}za h ~o ~f nmf `k l ~o ~f t g yga` t ~o ~f
l noy agk k nf sgy y~oa ya ia`(k ~a` gfy a` ky llg ma yfa
goz }z(w ia` lgag |lg }za h ~o ~f2]za h imag kl z y!!!
Nma `ok l
Sga` boagifmag
Sga` Byfa A`a
}z
Sga`gag lgag
aga|
Ya iza` N sgaYY]Y
N sgab yfa
N sgabgf }z
NsgaYY\
N sganft(ys t
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
17/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =0 +
Hs5 AG@ B?
n( Sga` B yfa A`a }z!
" Y lgl la` yl glg yfa b yfa ll a`gos t boag y sgy |oag yo lgo
agag ygjf a` hzy b yfa goa gag(ll ta na ga` ia lm N Yo Lgag(AGAA t AGYKLS Sga` Amk!
" Ygjf io( }za h t glg yfa ll bgfa lgo yoz ao n( ygz( yo |a l
ag t la`l hmf a`2sgo gs to ll sga` a`gos t ygl goa a`gok yl
lg yos }z(gfa }z(}za h }z yoa ky!
" Y lgl ygz lgo TAI(a`fo y t `o y l `o2]za h wzy ags bgf
yoa(}z a`gos t(yo |a yg lgs(lk l `o y l `ol( Sga` gag lgagaga |
" La` yl y lgl la n 5Ygmk kz `os lgf Nma @ok l y~fa` tol n
y~( oz a`(n agok t koa agok(bgja yga` b hzy(yos aga yza ia`
la n2W ia` b gflg no ia`(f yf la nga` ak t ygjf io y~oa
bgmo ygl goa b gflg
" La` yl gag lgag }za y~5 Ygmk kz lgf Nma @ok l t aga` ta lgza` lm la` yl gag lgag(}za y~(w ia` l na(kzm |k yo |a(ty
hoz(oa al]za h yo hoz ky t bgf hz y~ lga` y!
Aga lgza`( SAN Lgo agag Ygmag wza l y lgl n k `a ag( |
ha` la n yz la y aga` ta k nf la` yl lgza ka b hzy hmf a`
a`gok yl(sgfa` llg sgl t bglg ga` hza l lg aa` lmf!Y~fa` ygo
`oma }zm( gfy a` boag ifmag yo SAN lgo agag Ygmag wza io | hag f
lm ASN t | a hl l `a` lm Nma @ok l t yfa yg la n aga toa
y~fa` Lgo agag( y l agoz by }z a` bglg h!
>!>Aga` by }z ao ny lm SAN Lgo agag Ygmag wza y~fa` aga` ak }zm!
SAN Lgo agag Ygmag wza ygo `oma }zm ylg ll y~oa bgmo ll ky
gfy a`(ygl goa yy ll lga` y~ag gag a` if A`a ga` Sga` Amk
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
18/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =7 +
Hs5 AG@ B?
~m t yag gag gfy a` boag ifmag y~a yy l ll ky lm lgo agag }zm ll
ak ~y bgo |l(l | ya` y~a` ~ ~y a` b!Lgo agag ya` nl bga`
ag kag y~fa` ko y~a` boag ifmag ko kma` yag lag y~mag!Ak >33?( yl ya` y~a` @IS lm aa boag ylg y :(* y~fa` bgo
ak >337 y 4(>330 Toy Amk `om ags PYF( na lag aga` yl
a` ygza lgoz nl h ~ aga` z bkt ny ls l gz lm aa boag y
Toy Amk!Ak >337(tol bga` gfa` aa boag y yfa lz yl a` wz yo
yag gag boag ifmag lm ll ifmag a`gos ao lgza` t lm ll A`a ga` ao
~oa`! Y tol o ky to bg aa` ky yag ygmag bgfa(ll A`a ga` a`ylgza |ma` yag y~a` ygm ta(bga` lgf tm l agoz i ho |zy `ok!
@o ta` t a`fo y noa o hoa yl(
yg y~a` ny a` |a t yg y~a` lga` bgfa |y `ok kag t bga` a
ag yl a` kag a yk h a`o ia ag ga` bga` ag a gfy a`
gz a` ta lm A`a ga`!
a` y~l yag gag bg bga ag t( A`a ga` Sga` Amk lgoagag Ygmag Wza wl ag lgf kag lgoa hl boag ifmag sg gs a`
z to bg bga( |a |a` a aga yglg ygl( k ~a` a aga ygo l!
Lgza kag la` ags sgy y~oa lm ygo o t la` a`g! To sga` lgk
h la` a`g hk aa ya`(sgy y~oa a`za aga hl h z yoa ga` z( yoy
bok lgo sg(ga lg ~o ~f t aa` lmf y~ag }za h t lgoa hl( SAN Lgo
agag Ygmag Wza i gfa ygag wzy |l t ty kl b gflg ak >337( y
l ya` y~a` a` b l t ifmag | t }z k! Ky bgl aa boag y ak
>33? ma` ia go sglaga` la` bga` y~ag bgo aga` bg bga la ya
a` ho lm ak >337!Kl i t aga` SAN Lgo agag Ygmag Wza a hl
bga` a`a` t y l aga` by }z ~y bg }zma!
m( Gfy a` gz a` ta!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
19/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + =? +
Hs5 AG@ B?
A`a ga` Sga` Amk Lgo agag Ygmag Wza ygag hs l : ak(
aga` y~ | hk tol yg sgo o ygz lgm l yag a ag!Aga` to a hl
bga` a`a`( Lgo agag yf ia` l z ya o to bglg ga`( gfa ygagyy la` yl gz a` ta lgza` lm yfa g yga` lm A`a ga` Sga`
Amk!A`za ta gz a` lm A`a ga` lyg goa y~fa` na` | hoz io
5
Na` >! Yag gag gz a` ta lm SAN Lgo agag Ygmag Wza5
T5y~oz a`
\YY
Ak
Lg yoz
>330 >337 >33?\
yoa
Y
y~a`
\
yoa
Y
y~a`
\
yoa
Y
y~a`
= Ya` a`za ta gz a` =:3!=3= =33* =9?!999 =33 * >==!4>3 =33*
> AT ao y =9? 4:(4:*
< AT a`fo y 4!:=7 9(!4?= 40 97(=:* >!09< =(79* 97!>(7 yga` 4!:=7 9(40 (!4?= *
0 Yoa `o ia l 40!:< 99(??* 43!>
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
20/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >3 +
Hs5 AG@ B?
Noz =5 Yag gag gz a` ta lm SAN Lgo agag Ygmag Wza
t5 y~oz a`
=:3!=3= =9?!999
>==!4>
3
:3
=33
=:3
>33
>:3
337 >33?
'A`za sga` boag ifmag A`a ga` Sga` Amk lgo agag Ygmag wza/!
Na` >lgf ym yg5y~fa` < ak `a a`za ta gz a` lm lgo agag
bga` a`a` ya` ha(~oa` ak >337 ygo | ta gz a` l `ok aga` bga`
a` b( `ok 4:0 y~oz'`ok 3!99*/ h if yl a` kag lm lzl bga` gfa`
boag y yg `oo(Aga` |ma` ak >33? yg l | ya` y~a` ~ ~y yg goa5
ak >33? ya` 4>!=04 y~oz 'ya` 9=(4*/! Aga lgza`( Y y~a` lm yoa `o ial y~fa` ya` a`za tagz a` l wz ga` `ok ia la y y~a` yoa `o
ifmag a`gos l wz ga` ya` ia(
y~fa` aga` ak y~a yg l lz t ta gz a` hza l | lgag hlg a`
b `om a`za yoa `o yoy bok t ll a`za ta gz a` bgl( to | g y~
lm Go \(Lgo agag w ia` l ll ko }zma g to ll y lgl yo
lgag( ll A`a ga` na ygl | kma` ho goz }z y~fa` gz a` ta y~ayg y~a` ls < k bga` la sgo yg lgs bgo h ta! h ky ygza ho t l
yg wjk h ky bag gz a` ta ~y yy(hz io | kma` ho goz }z t z ya
lgf Lgo agag y~a m na Koa Nl!
Az tf ak >330(A`za ta y ia l h 99(??* yg |ma` ak >337 lg
la 93(33? h 93(7337 hk sgy lmf t ag ga` lm bga` gfa` boag y yfa lz aa o |a`
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
21/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >= +
Hs5 AG@ B?
lm a`o ia n `ok |y(yoa aga ~o la` t yg k y o! Kl i nl |ma`
ak >33? aga` aa boag y ta la lgz ag ga` lm ak >337 lgf aa ak
>33? la` la ~y agoz bg bga!\ yoa `o ifmag a`gos5Y~fa` < ak >330( >337( >33? ha hy h 7>!:0=(
7?!>34 t =>:!>>= y~oz a`( lgok ::(3=* ( :?(4?* t :?(=0* ya` a`za
ta!ak >337 yoa `o ifmag a`gos yo SAN lgo agag Ygmag Wza ya` |f to
ak >330 h 4!4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
22/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >> +
Hs5 AG@ B?
Na` < Yag gag | ia` ta lm SAN Lgo agag Ygmag wza
a t 5y~oz a`
'A`za 5 sga` ya` gs SAN Lgo agag Ygmag wza/]zm na` y~a ym yg ya` i a }zm ll akya` hoa yl(t to a hl
lm la na SAN Lgo agag Ygmag Wza yag a &>33? i a y 4?!3=33?! \f to ak >337 ya`
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
23/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >< +
Hs5 AG@ B?
Na` 9 By }z ygz ilg t lm Lgo agag SAN Ygmag Wza
a t 5y~oz a`
\YY Ak
Lg yoz
>330 >337 >33?
= Ya` ygz ags =>!4!799 =0!>0>
> Ya` ygz y ilg t =!:>: 4!940
'A`za 5 sga`ya` gs SAN Lgo agag Ygmag Wza/
Y na` y~a ym yg ygz ags gfy a` ilg t lm a`a ga` lm ak>337 `ok |f to >330 h 777 y~oz a` yl `ok =
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
24/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >9 +
Hs5 AG@ B?
Na` : by }z boag ifmag lm SAN Lgo agag ygmag Wza5
a t 5y~oz a`
\YY Ak
Lg yoz
>330 >337 >33?
= Ya` ygz ags =>!4!799 =0!>0>
> Ya` lgo sg =3!3>3 ==!7!4=0 =!3== >!734
'A`za 5 sga` ya` gs lgo agag Ygmag Wza/Ho agza lm Lgo agag }zm ll ak ag |mz ak >337 `ok kag |f to
ak >330 `ok =!434 y~oz 'ya` a` `ok 4=(337 lgz ag ga` ha lm lzl bga` gfa` boag y yfa lz(y~fa` ak
>337 ygz ags lg ya` =(4* y~fa` bgo lgo sg ya` yo =7(=*!Aga` ak >33?
l iz goz bgo |l ga(kysga la` h if yl a` lm aa boag y ma` l
iz goz nag a y~ ho( lgag hlg ygz lgo lm ak >33? |f to >337 h = !0?:y~oz a` 'ya` =00(:*/( h yoa }zma y~a` aa` lmf | ha` lm la
n la` aga toa ma` hk tol yo Lgo agag( aa` lmf o |a` ty lgy( yoag
yga lgf a`o hmf a`(`os g `a n to a`g a`gos t hmf a` a` la`
l goz }z ga(a` ygo yg goa bg aa` }za h lm Nma @ok l t aa`
hl lm la n la` aga toa yo Lgo agag( l yg gfy a` l hs to lgo
agag SAN Lgo agag G Ao! To y llg h lgo agag ls O y~l ygzl SAN!
< Ygl y~a` gfy a` t kl ~o ~f ya ia` yo A`a ga` Sga`
Amk Lgo agag Ygmag Wza!
33:( aga`
to y llg h Lgo agag ls O y~l ygzl Lgo agag G Ao! Aga` bga` t yg
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
25/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >: +
Hs5 AG@ B?
k tol }za h ~o ~f lm Lgo agag bga` l k nf(Y bgo ygag hs lgo
agag hza }za y~oy lgy~a` Ya`y~a` ya ia` y~a l | ys y~za` aa`
lmf lgy ha` ya ia` t ga` yo lgza kl }zl y ya` la` ll noasgs }za h ~o ~f ya ia`(bok |fy lgy lg(boa }zy `oo ga ya ia` o
to ll bglg ga` l yag gag yo lgag z bk(gfy a` boag ifmag bga`
goz }z(hza hza nk |y t w h yy ll bgfa a wz( ya` ia y h lgf tm
l nf k na` yo |a nf k!
Ak >337(aa boag y yfa lz ~o tf yag y~a` |z ygfo( ll A`a ga`
Toy Amk lgza y tol o ky to bg aa` ky yag ygmag bgfa |ma` yagy~a` ygm ta(bga` lgf tm l agoz i ho |zy `ok(Lzl bga` gfa`
boag y y~fa` al w ~m lg z if ll A`a ga` Yga` ko l sga ygl
goa lgf tm z y l sgoz t z y tf ny a` |a( ho agza lmf aga`
~o ~f ho ~y ha!Io h yag gag i a lm lmLgo agag y~fa` aga` ak
}zm
Na` 4 5Yag gag i a ya ia` yo SAN Lgo agag Ygmag wza!t5y~oz a`!
\YYAk
Lg yoz >330 >337 >33?= Ya` i a ya ia` >7(4337( | ya` y~a` ya ia` ty nl y~fa` ak >33? h if yfa n
aga toa y~fa` A`a ga` la` agmz a hl(m ~m aga` sga` |lg ygz
gy bglg ga` ko(`o ta` ko }zma g to bglg ga` l! oz a la`
bga` ag t y~ lm A`a ga` y~fa` a`gag!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
26/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >4 +
Hs5 AG@ B?
ga` z y(k ~a` lgf tm ll ifmag a`gos tm t ag( g boag ifmag l sga` a boag ifmag goz }z!}zm ll ak yg l lz i a ygjf ygag sga
boag y yo SAN Lgo agag Ygmag wza l | lgza ilg a` b!
Na` 0 5 Sga hfo ya ia` ygjf ygag sga boag y!
t5 Y~oz a`!
\YY AkLg yoz
>330 >337 >33?
= IA }zl ifmag =:(=>= =?(9(9>0Y h * :>!7* :7! G |a wzy t l aga =* 9=!0* 7(4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
27/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >0 +
Hs5 AG@ B?
bgo hzy ifmag a`gos ko ~m o tf ak >33:( gag hma` sgs h yga` ygfa`
t nag a` ga(ll ifmag a`gos a`fo }zl ifmag l aga` nl lgza
kag agmag lga` l t }z k(| ha` t goz }z gfy a`!Y~fa` aa boag y yg y~a`(ll ifmag a`gos a`fo }zl ifmag gag ygag
t sgy y~oa a` ky ha kag(agz lz ta lm g a` la` ya`( h bglg
ga` yok aa` k A`a ga` la sgo ygz gy! ]zm na` | hoz y~a yg ak
>337 i a o to IA a`fo }zl ifmag lgok :7 (33? h 4=(:*( i
a a`fo }zl ifmag ya` ha agmag lga`!l noy ak >33? i a a`fo }zl
ifmag ya` ha >>!??3 y~oz a` 'ya` a` ==7(33?i a lm ygag sga a ya` |f to ak >337 h =>!47< y~oza` 'ya` a`
?=(>>*/! GOa am Lgo agag ma` k ~a` |a sgk lgf tm yoz ia` s a`
l bg ha agz lz lm l aga g |a |zy!La` to | sgy y~oa boag y( agz
lz ya ia` lm bgz tl a | yos yl ya` lmf y~fa` ygo `oma yo!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
28/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >7 +
Hs5 AG@ B?
Sga hfo ya ia` ygjf b ga5
Na` 75 Sga hfo ya ia` ygjf b ga yo SAN Lgo agag Ygmag wza5
t5y~oz a`
\YY
Ak
Lg yoz >330 >337 >33?
=
A`a ga >>!9:!:7> :>!
Y~za` ( io ga 4!=?7 0!0:7 =4!4?4
Y h * >=(4* >*< Ya` i a >7!4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
29/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + >? +
Hs5 AG@ B?
ygo if ko o tf gfy a` aa tol lgf tm y~za` io ga `s ~y agoz bg
bga bgo k n k y lgl lgm l gfa ygoa ky llg yy agy!
Na` ?5 Yag gag i a ya ia` sga ygjf hfo yoa yo SAN Lgo agag
Ygmag wza5
t5 y~oz a`
\YY
Ak
Lg yoz >330 >337 >33?
=A`a ga >>!90!=(4* =7(3* =4(?*
< Ya` i a >7!4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
30/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 33? h ky kz wk(|z ygfo sg noa agoz al!Goz a` Ifkoaf
boag y ygl | hma ym!oz a la` ag ga` bga` ag yo aa boag y ToyAmk! oz a hk lgf bok a`lg wzy ags bgz lm Toy Amk `ok kag ag
ga` a i a a`fo y lm A`a ga` `ok ygjf!
! Ygl y~a ~o ~f ya ia yo A`a ga Sga Amk Lgo agag Ygmag wzam( A }z ga5
^o ~f ya ia` wzy sgy y ~y agoz a`za aga bgl agmz5 A`za aga
lg }zma( a`za aga bglg }zma wy y~a l gmo sga` ioa na yga A`a
ga` t bglg ga` tm ta!^o ~f ya ia` l yg w ~m to ny b bglg ga`
ygzl ygag sga boag y af!Ky y~fa` aga` lg yoz f ha` ~o ~f ya ia`
h a }z ga y~a ya` i a!Ygjf }z ag goa am lm A`a ga` Ag al
yg y h a bga` l ty }z :*!
Na` =3!Yag gag a }z ga lm Lgo agag Ygmag Wza
t5y~oz a`!
'A`za5 sga` ya` gs SAN Lgo agag Ygmag Wza/
\YY
Ak
Lg yoz >330 >337 >33?
=
A y~fa` ga >4!
Y h * ?>(=* ?=(7* ?=(0*
>
A }z ga >!>:4 >!0=? :!0>>
Y h * 0(?* 7(>* 7(7!4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
31/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 337(y h a }z ga ya` ha h >!0=? y~oza` 'lgok 7(>*/ y h a ya` ha ~y agoz! \fa` ak >33? yg a }z ga
la` a` la` ya` ha la` to kl ya` ya` i a( ya` ha :!0>> y~oz a`
'lgok 7(337 w ~m lzl bga` gfa` yo lgag yfa lz( ll
ifmag a`gos hk a bg bga ga( ga` gm wzy ~m yoz yg lgk(|a wzy n
ag y~ aa tol y~ a A`a ga` la` `s ~y agoz bg bga! Yg nm(kl i
ak >337 o }zm aga` ak >33? h ak lm gz bga` gfa` aa boag y ta
lgmygl | o tfa ag aa a ta lgz ag ga` kag(lgag t t k a
}z ga la` ya` ygjf!
Ak >33?(y~fa` bgo yl ya` y~a` lm i a ya ia` |f to ak >330 h
=93* yg yl ya` lm i a }z ga h =:
330 A k >337 A k >33?
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
32/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + +
Hs5 AG@ B?
lm a }z ga |f to yl ya` lm i a ya ia` h agmag ga! A`za aga
lm yag y~a` a h k nf y lg yoz ya` y~a` ya ia` t i a lgf
tm ga` ak lm Lgo agag(if la n ya ia` lgm ygl | lg yo lgyha` ya ia`! Ky bgl(if lg y~a` k ~a`lza` a` ya ia` ~m ll ygag
sga boag y hk lgf gfy a` ya ia` o ky to agoz ~o ~f ga!Tol k
~a` ya ia` aga` ta k nf l z lz t lgy ha` ya ia` h ta
k yy l ll A`a ga` z }zma yk t ma` a hl ygl goa!
Wjk wy yo l lz lm a }z ga ygjf b ga yg a }z ga yo Lgo agag
ys y~za` lg z tf i a a`a ga(oz a wzy sgy y l lz lgf tm lmA`a ga` lg z h lgf tm a`a ga!La wy ygjf ygag sga boag y yg a
}z ga ys y~za` tf l gmo ygag sga boag y h ifmag a`gos a`fo }zl ifmag
t l aga g |a wzy!Y~fa` aga` ak `a yg i a }z ga lm ifmag
a`gos a`fo }zl ifmag la` ya` ha a` b
I a }z ga o to l aga t g |a wzy la` ya` kag h if A`a
ga` }zma g ya ia` to agk o ya` bglg ga` a lg z to kl lglgf tm yoz iza`( w ag@o y~ bgfa tm ygs(yga` yoa bglg ga` n ga
lg(yok a ~o ~f lmf!
n( Yag gag a wz!
To yl ya` y~a` i a }z ga ag y~a(lga` ym g wjk wy y h a
wz lm A`a ga` t |f |ag to y h lm yfa g yga` A`a ga` Toy Amk
l by hza lgag wl!Yag a a` &>33?!a wz lm Lgo agag h =!333? h
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
33/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 33?
t5 y~oz a`!
:0>>
=3
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
34/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 33? ya` yo|a yg lgs(lk l lm bglg ga` tya` ll `o y l `o lm bglg ga` m o lk l h 99!=
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
35/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 330 >337 >33?
= Ya` i a >7(4
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
36/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl +
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
37/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl +
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
38/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl +
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
39/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl +
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
40/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 93 +
Hs5 AG@ B?
L lz lgf tmlm A`a ga` lgm gs h(lgm la o |f to l lz gz
a` ta(a`za gz a` lmA`a ga` lg z h gz a` io ga aga` i
a ho ys y~za` tf lgf tma`a ga!( | bga` la wa` t b ga a l yg` ~o ~f lgf A`a ga`!
Y h a }z ga y~a ya` i a lm Lgo agag ya` ha a` b y~fa` ak
>33?(na lag | ya` ha lm i a ya ia`(aga` yl ya` y~a` y h a
}z ga'==3(9*/ lmf ga yl ya` y~a` i a ya ia` '=30*/! Y h a
ta ygs ga ~y agoz |f to }z ag(aga` ta h lmf ga |f to ll A`a
ga` bgl y~a la` m na! Ya` y~a` ya ia` }z aa`( oz a l ygbgoa lgf A`a ga` `s agoz ~o ~f agoz ga if bg aa` s a` }z k l
ga!Tol }z lg y~a` tf ya` y~a` i a ya ia` bgoa lgf lgy ha` ya
ia` lm ll bgfa tm l sga `ok |y ! Y h i a l k nf lm A`a ga`
lgm lmf(la agoz y~a` gs la ygoz k nf a tm!Tol bga` l k nf
a tm hk `ok ma yfa t goz }z ya ia`! Yo |a k nf yz lg l
lfo h lo sgmf lzo la` `os A`a ga` ygz go a!Aga` a la` yf ~ma` hl ygl a`o tm l ygl y~fa` tol y~ a ga(l noy y~fa` yag
y~a` bga` gfa` ag goa am!
Tol w h a ya a` la `s agoz bg bga bgz w h yo |a k nf!
Goa am(agoz ifmag a`gos y~a ygl y a`a` gfy a`(sg |a aga` hzy
sgs ho lgm yza n `oo yg!Ga am(tol | ia` y~lg hs i sga` lg l
ia` n s aga` bgfa a wz bgo ifmag a`gos sg |a(aa tol lgk
y~ y~fa` yg yl sg |a lm ifmag a`gos ` y~ a`o lgf Lgo agag y~fa` la`
yl w h a wz(hk y~fa` |lg na` ya` by!
La` a`g yga` yoa lm Lgo agag la ky | ga lg!Yga` yoa la lgm
(lgm bs ygo(lgm l g yga` t lgag wl(lgm l | by gs lgy lg
`om n sga lza` ls yga` yoa t n sga | ia` yga` yoa!Ta a yg goa
~ agy y~fa` lgy ha` ya ia` lm ll nf lf ygk ag ya ia` t ll nf
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
41/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9= +
Hs5 AG@ B?
lf sgl t }za h!Ll la n ya ia` yga` lgm ak l yga` yoa ky
llg ya` gs(lg yos la ky llg ~oa` h(oz a hkya` ~o ~f ya ia` lgf
A`a ga`!G yga` bok y~m ao n lm Lgo agag lgm y goz }z lmf!Aa tol sgy
goa |mo |y y~fa` tol ygl goa }z y~ag ls ya ia` lgm !
SAN Lgo agag ygmag Wza w ia` llk ama` ya ia`! h bok
lg amk ga` ia la n ya ia` ygl goa a` ll }z yl lgf tm! Yz
agoa( o bgo ll la n ya ia` yo Lgo agag ho s ia` }z k kl t la`
agl(bga hoag gfy y~fa` ya` y~a` gs l yg oz a h ky ga lg lasgo bgl sgl!Lk ama` ya ia` yz l w ia` aga` ta la agoz ok
ny ls la A`a ga` la sgo yos yl |m o t n |za` gfa ygoa ga!
Ak >337(bga` gfa` boag y yl a` wz yo gfy a` boag ifmag lm
ll ifmag a`gos ao lgza` t lm A`a ga` ao~oa`!ak >33? ta la lgz
agoz ag ga` y lzl bga` gfa` w ~m y~fa` ak >337! Ak >33? gz ag
ll A`a ga` z `ok ho |zy lgf tm(`ok oz boa tm!!! oz a hk ya`~o ~f lgf a`a ga`!
Na lag la ky | ga lg ~o ~f ya ia` lm Lgo agag5 Aga` yl
a` y aa boag y(lgag |lg t k g yga` sgs h goa am lgm a` n t
la ygo `oma gfa ygoa(y agoz ` la y~ ha lgf la` yl ga lg
~o ~f ya ia` lm Lgo agag!
:! A`za aga lm aga` ya yo t ga lg
:!=A`za aga y sgm A`a ga`5+ Lgag |lg }za y~ ya ia` lm SAN Lgo agag Ygmag Wza lgf yo am
lgm l ky AGYK af nma gag lgoa hl(lgag |lg sgy y~oa t }za y~ ~o
~f ya ia` lm A`a ga` ky llg na` ta na!AGYKLS Sga` Amk
la` ak y~fa` | !ga am yy l ll lg f y AGAA ko lg h ta na
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
42/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9> +
Hs5 AG@ B?
ga` ia ygo gag }z lg lgf tm(nf hag(nf k yoa tm t ll }z lg
bgl if AGAA Toy Amk nma gag!Na lag (b gflg ya ia` lg kma` yag
yg yl!Aga`bgza lf t ll a`ag bga` aa lgf tm(z y gm bga` lgyga` lg l m ~m |mz bgo ~o ~f ya ia` sgy |oag ky | lgo agag
gm ya ia` ya` y~a` yo kl aa`!
+ ]z y~ag ls ya ia` goa ima` yok a a`z l ~o ~f lmf if ll bgfa
tm lgm ygl goa ~ |fy ~o ~f ky llglhs to n sga na ga`!
+ Aa` hl lm la n yaia`5Aa` hl i nf( sga ylg
a`ag( sga ylg yo lgag(sgy goa t w h bgfa tm l ta lm ky |la n la ~y z agy h o to aga a`ag ga` o go goz noy lgza ka
lmf 'La` a`gos bgmo ygl(lg noa iz bg( |a wzy ty hoz w ia`( aa`
a` a`gos/!L agoz }zy ag lgf tm kma` yag lk yag( l m y~a
l | yga` yoa lla agl bga` gfl sgoa ioa ag5 lg im tf yo
|a yg lgs gm na yga b gflg boag ifmag k n }zm aa` hl yo lgag lm
na yga ifmag a`gos z ia a ~o ~f!Ky | la n lgm l bg aa` y ta( `ok |my bglg ga`( yag lg a`
y~fa` la` tol(bg aa` bok |fy lga` y tm(boa ygl sgs hzy lm ky |
la n ya ia` la` la z!Na lag ( o a` la n aga toa lm Lgo
agag sga ha la ~y y~(if boag a`gok ygl y la ga lg! Ky bgl( g
la` lgm l f yf t y~ma` n ky llg ll boa ygl ko t k gag
}za y~ ~o ~f ll al sgy y~oa!Aga ygl l y~ag lm la n aga toa
h t la` }zma y~a`(Lgo agag gy |l }zma yk a la` yl f yf ho la
n aga toa y~fa` t a`fo al!Yz t(gfy a` a la` `s agoz bg
bga if boag sg iag lgf f yf h l ga t oz }zma y~a` ga h yag y~a`
ygoz lgza `om `oo t `oa` i!
L lg bgfa yo lgag lm A`a ga`5 Lgo agag w ia` ll b gflgya ia` ygjf ya` yga` bgfa lgf ya` aga toa oz a yf ~m s hl ~y ha
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
43/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9< +
Hs5 AG@ B?
o to la n la` aga toa! gfa ygag lg yoz l `omf agoz la n ya
ia` lg }zma yk yo tol k ~a` ya ia`(k }za o lgy ha` ya ia`!Ia
yo ~o ~f lgf lgag A`a ga`! Ll ga` ia y~fa` tol wl ag `o y~lm yo|a k nm la lgm l yg5 Kl i Lgo agag ag `o ll yo |a yg lgs ygjf
}z ag lgza` l ygmk bgf `o yo |a y~a yg y~a` yo ygo ok iag `o!
Ygl y(ll yo |a yg lgs h k kl(ygoy n(A`a ga` z lz sgo l `o
lga` aga }za | gz yo |a aga` if ll hfo yo |a( k kl a gm l
kzm o na ho agoz ha aa ll ifmag a`gos yga` bga` l `o y | gz ll
yo |a !K gag lgk ok ya ia` lm Lgo agag ko l w ia` t m tf
s ia` la ~y agoz ky ga lg k la sgo l ygo `oma bgl sgl t gfa
ygoa ia!Ga am(if if ko ygl goa aa llg ygl f ha` ~o ~f na` ag
ha` a la bg ko k to la n ya ia`( l yg ` ~m agoz |mo |y y~fa`
}z y~ag s ia`!
Y~ma` ygoy n la` a`g yga` yoa lgm 5 oz a A`a ga`l yg
m ~m aga` }zy ag |mo hk ag5 bglg ga` tm yoa na` yo |a yg lgs
k yo |a yg lgs a ho l yg lgs yo agoz A`a ga` bgl gfl bglg
ga` tm yoa tf kl lg f a( y~ a A`a ga` bgl!
+ \ lag y~mag `om ll a`a ga` a` la` `m `y(la` to yag y~a` aa
boag y bg bga ag goa am!Lgo agag t `o bglg ga` aa o bgo sgo lgs
aga aga` bgfa ya ia` lgy ha` bga` yy ( wl |zy ~o ~f lmf!Lgag oz
a hk ya` ~o ~f ya ia` lgf A`a ga`!
:!> A`za aga y sgm bglg ga`!+ If nf lf yo lgag bga` koag nlg(aga` yga` yoa y~a nf lf yo
lgag | h l | la n sga ylg t ag `o yag gag yo lgag lm bglg
ga` y~fa` }z y~ag ygk ag i a! Yz agoa( l aga` nf lf bga` l
bok yfa aa bga` l lgag wl lmf( ` bg bga lgf la n ya ia` y~fa`
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
44/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 99 +
Hs5 AG@ B?
tol ag `o aa` hl yo lgag( bg aa` y~ a(aga y }zma y~a` y~fa` tol
}zy ag lgf tm l noy h o to ifmag a`gos l }z k tm t ag!
+ Ll bglg ga` | ia` ta tm bga` a` kl lg( bgoa lgf gfya` hza lgza ta bga` hag kag( ia a ky bg aa` ygmag yfa t
bga` yg y~ a A`a ga`!
+ Aa` hl boag ifmag t }za y~ lm bglg ga` ifmag a`gos yl a` ha a
bg aa` y~ a lm bglg ga`! Az a`o oz gag bga` |a` |zy m ~m aga`
}zy ag |mo hk y~fa` lgoa hl boag ifmag( hm lga a`ag a`g bga` sg
gsIa a hk a ygzm h( bga` l bg aa` y~ a lgf A`a ga`! Az ifmaga`gos }za h aga | bga` yy | `ok goz }z( `ok aa` |zy hmf a`( `ok bg
aa` lag y~mag t ifmag a`gos bg l yg a` ta`( i hk tf yag y~a` gfy
a` bga` goz }z( A`a ga` bg l yg ygz go l a!
+ T f l t z ya lm bglg ga`5 Ky | bglg ga` l hm f lgok
ia` ta lm A`a ga` bgoa A`a ga` bg ygz go l ta tm!
Y~a h a`za aga ~o ~f ya ia` y sgm A`a ga` t bglg ga`! Nalag ( la l aga` a`za aga ty ~m a`fo yk bok |fy lm A`a ga`
t na yga lfa a! ( h aga` a`za aga wzy sgy y ko y~a` |a wzy
boag ifmag! Ag bga` gfa` boag y ak >337 tm }zm ia a ll ifmag a`os
hk a bg bga( ga` gm wzy ~m aga` bga` na l( bga` l ifmag ygz
ia yo bga` l yoa y~ a lgf A`a ga`! Ga am lzl bga` gfa` |z ygfo
boag y w ~m l yag lgy lgz b ` ~o ~f lgf yy l ll A`a ga` y~a yfa
lz( lg bga` ~oa` to ky A`a ga` af l! Gfl h if | bga` a ag lm
lgag |lg( l lg y~fa` ygo `oma boag y al ym ta a` ygjf l lg yg y~a`
l | oz yoy lm Ag Al( ma` ya` nl go ags boag y yg `oo t bgz
tl( to ll noa sgs tm hk tm |m( agoz lgag |lg bga` gs h ` ~o ~f
ha lgf A`a ga` t bglg ga` tm ta! A`fo ~m( la if aga` a`za aga
ny bg bga` ag ygoa ymo( h hy( o ilg lk `om lk
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
45/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9: +
Hs5 AG@ B?
BY HZA LGA@ >
Ag t( lga` > sga ylg t ag `o ygl y~a` ~o ~f ya ia` lmSAN Lgo agag Ygmag Wza yga` }zm tol ag `o lgza` by }z gfy a` ya
ia` lm Lgo agag y~fa` aga` ak `a ( ag `o l yg ygl y~a` yga`
}zm ll yoz lg l yg ag5 y h a }z ga( y h a wz( y h i a l k nf(
la` yl sga hfo a( y~lg hs i sga` ~o ~f t tol |
ia` }z n s lgf aga` ya ygy( ag `o t aga` yga` yoa sgl t gfy
a` ga lg ~o ~f ya ia`! ]zm sga ylg ygl y~a` ~o ~fl gf yg( ~o ~f yaia` yo Lgo agag bga` ma yfa t l iz goz ~m ya` ~o ~f( oz a yg goa
}zm yl `om ya` a }z ga t a wz yo Lgo agag lmf ga agoz |f to yl
ya` y~a` i a ya ia`! To | a hl lm Nma @ok l la` to ygl
goa yy ll noa sgs ga lg ~o ~f( yg ~o ~f goa am yo Lgo agag h gfa yfa
bok |fy t | h l! Tol sga ylg ~ ~ma` ygl y~a` ~o ~f ya ia` yo Lgo
agag Ygmag Wza Lga` > la` h l | }zma y~a` lgf aa` `oo sgs galg ~o ~f ya ia` l wzy Lga`
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
46/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 94 +
Hs5 AG@ B?
LGA@ OOO
AGA@ BOA A@G T @OO SGS GA LG ^O ^F YA
IA@YO A@A GA@ SGA@ AMK LGO AGAG YGMAG
WZAY^FA@ @OMO FA GOA AM_
OOO ! ag ga` gfy a` ya ia` lm SAN Lgo agag Ygmag wza!Gfy a` boag ifmag lm A`a ga` ao lgza` t gfy a` ya ia` ao
~oa` lgz yl a` lm ~y agoz ll z y a`fo lag ag5 Yag gagboag y + W
go(| a ag lm ll lgag |lg ag al(| a ag lm hzy sgs(| lagy~mag lm ll ag lg yo lgag bglLgag t t( tol i nf lgag |l ll
z y ag ga` y~l yos(`oa yos yo gfy a` ya ia` | `os A`a ga` l
ga` o a` t goz }z!
33? lm A`a ga` Sga` Amk
Lgo agag Ygmag wza!
Yos la ygl goa ag ga` boag ifmag hm lga( oz lgag lgoa
hl boag ifmag sg gs to wz yg sgy y~oa lm aa boag y( k nf ya`
y~a` z t ta` lgl! K ~a` }z k `a hoa to ama` lmf lgy ha`(goz
}z boag ifmag(m ia` ll gag ygl gz a` ta(ya` nl aa` lmf y y~a`
a`za ta l yoagi a ag(l kl ho wzy z tf gs h(ygl goa lgf tm llga hl y~fa` sgk to bg aa` bok |fy!Ylg ll f yf aa` lmf y~ag la
n yf ~m z yg y~fa` lag y~mag(k nf a ag tol hk(ygz ags aa` lmf
o |a` a`o hmf a` y~fa` Lgo agag!
ag ga` t la` yl ga lg ~o ~f lm Lgo agag5
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
47/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 90 +
Hs5 AG@ B?
Y~a yoag yga sga z ya` y~a` t aa` lmf lgy ha` ya ia`! Lgo
agag m ~m ll ag ga` y~fa` gfy a` ya ia` ao lgza` t la` yl
sga` a`m(ga lg ~o ~f ya ia` ag |mz5]zy yk `ok y h a wz(ya` la` ll noasgs ygz go a(ya` y h
lgf tm l nf k ha yo 03* y~a ya` i a!
Yos yl aa` lmf lgy ha` lm o a` la n t y~ag la` ag t
sgk lgy f l!@a y~lg agok t }za ho lm ya` la n ya ia` tf
ya` bgfa tm!
Yos yl yk bok bglg ga` l aa` hl yo lgag hag kag( |a` hl bglgga` y~l bgo lgf tm( k ~a` ya ia` o bk to aa` lmf lgy ha` ya
ia`!
Kl yoz l yg5
+ T gz a` ta5 aa` ia y y~a` gz a` ta y ia l(agy h a`zata y~za` io ga(yoa yo y la o ky llg ta` lgl a`za ta z y!
+
T la` yl lgf tm5 Ya` nl lgza o l lz z y!o ya` zy(ys y~za` lgf tm g boag ifmag t ll ifmag a`gos tm t ag!
+ La` yl f yf5Lg y~a` la` yl f yf t fyf ho la n( bga`a`a` aa` lmf y~ag a`gos t s a` z lz gfy a` boag ifmag!
+ Ya` nl gfa ygoa ky llg l na l | ty lgy lgf Lgo agag!3=3
+ Ya` a`za ta y >49(:>: y~oz a` ya` >:* |f to ak >33? 'Hfoy~ a`za ta tm YLYI/!Y~fa` yoa `o ia l lgok 97*!
+ Ya` i a 5 74!>44 y~oz a`( Ya` y~a` >:* |f to ak >33?+ Y h a wz & ya` i a 8:*+ yoa ha` yga` ygjf }z ag!
La` yl a`za ta5
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
48/73
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
49/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 9? +
Hs5 AG@ B?
yoa `o ygmag yfa ha t ky | bglg ga` ko l yok aa` agk ygz gy
bglg ga`( ya` ygz ilg t!
@oo sgs t aa` hl yo lgag5+ Ya` y~a` a`za ta t i a a`m y aga` yga` z ak(yf a`za
ygz y~fa` ak!
+ Yoy bok lgo sg(lg a` |ma` yf(sgy a` ygo zm!+ Ya` y~a` gz a` ll a`za ta a ag l ho |zy ygs(k nflgag hlg z tf z ~m!
+ Ys yg la n toa lgl Lgo agag Ygmag Wza ygo zm sga zgfa ygag yy agok t(kl yoz ~m! W ia` a t y~fa` |lg ta`
kag(l t yg y~fa` g yga`!
> @oo sgs ga lg ~o ~f ya ia` yo A`a ga` Sga` amk Lgo
agag Ygmag Wza!
>!= Ya` la` t aa` lmf lgy ha` la n ya ia`!
Yo A`a ga` Sga` Amk Lgo agag Ygmag Wza | ha` aga toala y m | h aga toa y~ lgm l boag a`gok!T t( aa` lmf y~ag ygk
ag ya ia` h ky z lz ny nzl!
+ T lgag |g yza ia`5 Lgo agag la l lgag |lg yza ia` bgfm gl
l yg yza ia` l aga` aga toa(la n yo aa`(m ~m ll noa sgs
g y~(`os aga` |oag toa ko ~m y~a` (ll la n y~ l y~ag hk tol yo
lgo agag ag a `oa gm ll yg yl t ygo `oma gs a` az ag hk yy
la` tol gfl l aga` |a` boa ko y~fa` la` tol!
+ T lgag |lg f yf5Lgo agag la l aga` `oo sgs l yg t la`
tol f yf aa` lmf lgy ha` la n ya ia`!If l yg t a`ag a`g o
go la n ya ia` bga` aga` ak ta` a`gos t A`a ga`( h hza t sga
ylg yo lgag yoa y kla sgo goz noy |z ~a` t yg y~a` t ll hfo boag
ifmag bgl! T yg(Lgo agag la l aga` lgag |lg f yf na` llg bgza
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
50/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :3 +
Hs5 AG@ B?
bglg ll la n ya ia` o gl aa` lmf boa ygl(a`gos t(l la n ygmk
`om ll hs ys gza t sga` lga`~o ~f!Yga` wza y lgl t sgo gs to
ll A`a ga` al a`fo k ll hs gl ys( ys gza(f yf t f yf ho ls agy boa ygl t yo lgag a`a ga` y~fa` ygo b ko !
+ T lgag |lg bgja yga`(b hzy5 A`a ga` la l aga` lgag |lg
bgja yga` b hzy sg gs tm yf ~m a` hl sgy gz bg aa` hk tol
goz }z lm aga toa(a` ygo ga lg l aga` aga toa yoz ll t ~o
~f f l( `a hoa y~lg agok t }za ho lm ya` la n ya ia` to ko
bgfa tmygl goa l!
>!> Ya` la` t | ia` l goz }z yo |a k nf!Ag lga` > sga ylg y h i a l k nf lm Lgo agag la
ygs!ga am(yag gag boag y yg y~a` goa am ioa noa sgl ys(gfy a`
ya ia` lgm a` ~y agoz ~o ~f !Ky y~fa` aga` noa sgs k nf ma
yfa t ga lg ya ygy bgo ~o ~f w ~m h ya` la` lgf tm l nf k(
lgag h a`za yg ls ygz go a |mz w h!To ag ga` ya` la` lgf tm l nf k na` yo |a(y~fa` bgo ygl
y yo |a lm bglg ga` agy h o to ifmag a`gos ag al ~y ygs |f to i
a yo A`a ga`a` ygo agoz ifmag a`gos tm t ag(ifmag a`gos a`fo
}zl ifmag gfy a` l goz }z aga` yo |a l | sgs h k nf yoa
tm bga` agoz!T t( ya` yo |a k nf y~fa` lgf tm Lgo agag la l
aga` noa sgs |mz5_z lz bglg ga` n |za` yo |a nf k a`fo yo |a lm bglgga` l yg ia` yo |a l aga(Lg ylg go a` }z y~(@ok l(b yfa
y~a` (ygag toa Go a` ]za Y~a` ~m nf hag tm ta A`a ga`(
s ia` ll noa sgs lk l }za o a(nf hag lm la` y!
@ok ia i a az bglg ga` bga` s a` ioz boa yo |a nfk ygjf }z ag lm A`a ga`!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
51/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + := +
Hs5 AG@ B?
o to tol aga yo |a k nf( Lgo agag la yga` wza wjk wyyag gs h(gs sgs t yag yg y~a` lm yo |a ! Hoag gfy y~fa` sgk to
lgf sgs o to ifmag a`gos l ya agok(boag ifmag l goz }z!
>!
ygjf lk yag lm la n ya ia`!T t( bgl sgl l yag y~a` a A`a
ga` la | ia` ll k gag f ha` ~o ~f ya ia` lm bglg ga` ky llg
yga` agy gs h! Io woa `oo ygozky | k gag yga` s ia` yo ll
A`a ga` y~a yg `oo5
K gag lgy ha` im y~a z y 4 L
Y llg a`o tm 'Lgm~mlyj~/5La n ya ia` sgo hk ~ kl lg woatm lm bglg ga`(kl lg tm lm bglg ga` l sg gs to lgag |lg ya
ia` goa gag lm A`a ga` gm bga`(a` ygo wjk wy t hlg | o tm t
y~ a o to bglg ga` l(la bglg ga` ko yg ygz ygs ygk yga` yoa y
agoz a`za bgl ag5y~za` yk sga` a`m ~o ~f Aa` hl lm a`o tm 'Lmsmloy/5y ygzltf }z ag hzy sgs lm
}zl `om!o to l aga(io =7 yzo bga` y llg b gs a` ya ia`!
o to ifmag a`gos( sgo la l tf `o sgs boag ifmag( }zy ag ygag
hs(}zy ag n agok a`o oz gag!
Ygz ags lm a`o tm 'Lm|g/5Y~l gy(sgo wl ag l a`za y~ alm a`o tm ag hza` yoa y ifmag ygz na ga` gm y ygz ags(yoa y ygmagh yo |a gm yoa y sgy gag lga` bgfa\mz ( la sga ylg yag gag yo
lgag lm ifmag a`gos tm ta yga` }zm ll lg yoz yo lgag!
Nf k yoa tm'Lfhhmyj~mh/5 h oz boa A`a ga` ls ya ia`t h a`za yo |a yg gmo l yg ia` y~ a tm lgf A`a ga`!
Ll oz boa 'Lfaioyofa|/5 La n ya ia` t ag sga ylg ya ia` lasgo noy l wz ga` goa gag t la` tol boag ifmag t a`ag a`g boag
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
52/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :> +
Hs5 AG@ B?
ifmag lm a`o tm(la` ag bgo oz boa boag y ygm o | l ag ga`
ag yg af a bgfa ya ia`!
Bok |fy 'Lfay~fh/5 Ys y~za` tf ll ta ag ll ygm o y~fa` sgshzy t }z lg l ag ga` wz yo a`o tm!_z lz ya ia` lm a`o tm
l s a` l yoz lgza lm A`a ga` bga`6
K gag ws ga` lm Kffi| t \ymaim~i $ Sff~|
^o ~f ya ia` gm ~o ~f bga` gfa l ta y~o sgoz lm la` y yga`
l ws ga` na` tol ws ga` y~o sgoz!Aga` ag `o a l lgza n
no ky | ilg t ws ga` y aga y~fa` Kffi t \ymaim~i $ Sff~| haga` ilg t yy agy!
o to Kffi| ws ga` lmf agy y Mmm aga` to \ymaim~i $ Sff~| yg
lmf agy ho hMMM!Tol ws ga` `ok ia y Mm'Kffi|/ t MM '\ymaim~i $
Sff~|/|mz ygs ia sga ag ~o ~f bga` l gfa ta lmf! Y~fa` (
lga` bgfa y~fa` na hfo z l wjk ag hfo lga` bgfa aa z y( la
ll hfo bgfa na io l ws ga` ~l ~o 'ezab/!Aga` if l ko }zma g `om ~o ~f t ho aza aa yz tol ws ga` ygs
'~o ~f bga` gfa ta lmf/ |fa` l h agza lmf aa o hl bglg ga` lgs
aga z y tf ll hfo lga` bgfa a!
K gag ok | U 'U+ L~jioy |l~f~oa` kfijh /!
h k gag if J!H!Mhykma ia` lgf ok ya ia` o to ll ifmag
a`gos tm ta! o ha` U ia` hk ygl f ya` gs sga hfo ~o ~f ya
ia` o to a`o tmz t sg ygzl tf 5
Y~ | lm ll lg | yo lgag lm a`o lgf tm ' We/Yk }zma y~a` lm ll lg | a y~fa` tol wl ag wl |zy t a lm
a`o tm y~fa` }z bg!
Y Mhykma w ia` k gag ok ag |mz5U ; =(>W= " =(9W> "
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
53/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :< +
Hs5 AG@ B?
Y~fa` 5
W= ; y | ta hz a` ~a`&ya` yo |a!
W> ; y | ho agza o ho& ya` yO |a!W< ; y | ho agza y~l ygz t yoa ho& ya` yo |a!
W9 ; y | `o y~ l sgoz& o y~ `go | lm a io ga!
W: ; y | ifmag ygz& ya` yo |a!
ok | U h ygl f ya` gs t wl |zy t a lm bglg ga`! Y~ | U
la` lmf( yg a`o tm l wl |zy t a la` ygs! Ag t( bgo y~ | W ygs
gfl h ky | k | h la l ws bglg ga` lf agk l a`z l t a lmf!@o |( ky bglg ga` yok aa` l ll lg | yo lgag h5 W= ; 3(>32 W> ;
32 W< ; +3(>32 W9 ; 3(=3 t W: ; >(3! Lg | W> ; 3 t lg | W< h ky | k ao
ha ~a` bglg ga` a n ygzm h y~fa` b nf lf2 lg la lg | W9 ; =3* ao
ha bglg ga` a l y | a&ta lg | gz lmf! Yz agoa( y | ta
~a`&ya` yo |a 'W=/ t y | ifmag ygz& ya` yo |a 'W:/ ho lmf( aa sga
ag bg aa` ygmag bgfa t iz y~ ifmag | na ga` h yy! ok | U h yglf ya` gs t wl |zy t alm bglg ga`! Y ll | hoz y~a lgf ym yag
l ok | U lm bglg ga` h=(49!
Ygjf k gag lgf ok U lm Mhykma( ny l la` y af l ok | U ygs
ga =(7= sgo l ws tf agk l a`z l ^^YI lmf! La l tf by hza
a( a`a ga` bga` ls Ya ia`lgf bglg ga` a lgf a bgo lo ygoa l
ok | U ha ga =(7=!
Na lag aga` z ok( yg k gag ok | Ya ia` l aga` ga lg |mz5
+ K gag a lg lgf sgs sga noy bglg ga` ygag gmo agk h t a
t bga` t a! Y~fa` ygl y( t a l sga ygag agoz hfo( y bga` y~
gm lgk y~ y~fa` tol y~ ho yoa tm( a bga` gfa y~ a `l t hO yoa tm!
oz a gk ( la l ky k gag lgf ok lgag wl ga( yfa ioa ga ygjf
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
54/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :9 +
Hs5 AG@ B?
agoz ygma` ok sga hfo bglgga` ygag agoz agk ya` a` to agoz
kl t a bgl agmz!
+ Bga` l h if ~ ~a` `oo yglg | ny noa t yk }zma y~a` lm llnoy | ygo `oma( i h y~fa` a`a ga! Ya` y ag t( ll noa | 'We/ la`
bga` sgO h ny noa( l noy h bgo oz boa yg y~a` t boag ifmag yga`
wza ygm o! A`fo ~m( k gag la` `o ygoy ~a` ll noa | We h gfa yfa
l hs bga` sg ygzl ha agmz!
+ bga` yag yo ky | aga y }zma y~a` aga` bg ha` gf( aga` ho
ag ga` a` b a kl ^^YI lm bglg ga`! T i( z y imagyoa` lm bglg ga`( z y ko }zma g y~za yga` `om bglg ga` t
a`a ga`( gm z y t k ag lgz b boag y( lgz b boag ifmag! Aga lgza`(
ll aga y a yga` bga` lsy~fa` k gag `go ok Ya ia` U! Ky
bgl(k gag lgf ok yga` bga` | ia` ll yga` yoa mo lga` l |a( ag
ll `o l yg y~a` lm ll yO |a yo lgag
K gag ok | Ya ia` yoz ia`A` am( agoz a`a ga` | ia` sga` sgs lgf ok w h ll a
woa tm lm a`o yoz ia`! Ygl y( agoz y lgl yg Ya ia` | ia` k
gag ok | w h | ha` a z lz a` ky `om ya`( aga` a`a ga`
la` | ia` k gag a ag `o aga` bgfa tm Ya ia` kzm wj go(
y~ma` ygoy n `om ag( ny a` |a t boag ifmag ag! Agoz bglg ga` z
yglg | ygza yoa t agmag lga` bgo aga` z lz Ya ia` lm g l w h
na` g yga` lgf ok y a`! Yga` yga`( bglg ga` l yg `o oa a
a`a ga` woa hoa g tol woa tm( yga` }zm g yga` k yag ao ka`( y~a
l | i hoz lm bglg ga`( y~fa` ta` tO sgy a`a ga` l yg yga` nf by
}z Ya ia` lgf bglg ga`!
Ll z y }zma y~a` hoa }zma a bglg ga` | ia` y~fa` k gag lgf
ok Yaia` yoz ia` nmf `k 5 g | Ya ia`( yzo o( y~a` ygO yO |a( |
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
55/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :: +
Hs5 AG@ B?
a`o sg ygzl( | gz ag( ygz ygs( oa ygfO l ag( | hfo yO bgfa l
aga( ygo `oma la` yl!
K gag lgf ok Ya ia` yoz ia` yga` | ia` y 0 a => ga` kl(ko ga` kl l lgf ok y = a =3! T i( na` io lgf yg aga`
ga` kl t ok lm lga` yga` l | ia` ll a`a ga` K!
\YY Ll ga` kl wl ag lgy ha` ya ia` ok |
= A`g a`gos lm a`o tm
Lgza `om sg y~lg boag ifmag
La` aga l boag a`gok ' ym a`g lmf/Aga toa ta sga`
\oag toa
La` aga bga` l boag a`gok
La` aga na ygy a`gos
=3
70
:
9
>
> Y~a` ygo ag
Ag ~oa`Ag ygz gm la g
\a` la` na gm a`o yga
49
>
< Ws ga` ya ia`
Yy
Y~za` nag
Bga` l g |
Yo
=3
:
>
3
9 Boag a`gok a`g a`gos
Agoz ga = ak
Y = ak y~ wza`
:
>
: Ygo `oma |a` yo m lg goa gag
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
56/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :4 +
Hs5 AG@ B?
Agoz ga = ak
Y = ak y~ wza`
>
=
4 oa ygfo l agL
Bga`
>
3
0 \ a`o |a` la` ' sg ygzl/
Bga`
Ky
GmoNm
Agoz ga nm
7 ok y~ wza` Y lgo ya ia`
>?
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
57/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :0 +
Hs5 AG@ B?
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
58/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :7 +
Hs5 AG@ B?
Yk ho( Ky g yga` yga` yoa ya ia` goz }z | hk `ok ~o ~f ya ia`(
y aa` lmf lgy ha` ya ia` lgf A`a ga`!
>!:! m ia` gm |a sgk ya ia` agk sga ya ~o ~f! h ky y~fa` aga` noa sgs ga lg ~o ~f ya ia`! m ia` gm ya
ia` t gag ygl( o ya` bglg ga`( m na gfy a`( hag tl z y ya
ia` Az imag kl ya ia` lm A`a ga` la` sgfa` sg yg kl ~o ~f
la` ygs!m ia` gm ya ia` yg goa io ll gag ygl ag5 Lgf tm agoz
bglg ga` k bga` aa ys y~za` tf aga` bglg ga` ha( lgf tm bglg
ga` agoz a`ag a`g bgl agmz
ygl goa sga ya ~o ~f Lgo agag la }zma yk a ll sga` ygl |mz5
m ia` gm sga` ygl lgf tm5 Y~fa` gfy a` ya ia` l ~yagoz sga` ygl lgf tm ag5 lgf tm ga kl( lgf tm ygz lgo( lgf tm
ygjf ka( lgf tm a` yo y~! Lgo agag Ygmag wza lg z ta s ia`
sga` ygl lgf tm y~za yga` h lgf tm ga kl t lgf tm ygjf ka( la
lgf tm a` yo y~ h ~y y! Y~a ygl y( lgf tm a` yo y~ y ~m ~y ma yfa(bga` fl |afpe }z ga( a wz! T t Lgo agag aa s ia` gag ygl lgf tm
ko( hoa by to ll A`a ga` bgl ls yaia` o to ll i a la agoz
ta( o go la n ya ia` sgo l y~ag lmf!
Na lag ll gag ygl ls ya ia` b y~a( gag ygl ls ya ia` yga` }zm
nf hag y ~m ~y goz }z! Gfy a` nf hag bga` sgo | ia` a a`za ta
boag ifmag lm A`a ga` k ta ygz l sg y tol lza` ls ilg t a! \i gfy a` nf hag bga` ha aga` y~a ygl y gfy a` a yo Lgo agag
~y y bgo `s ~o ~f( Ll bgfa nf hag nmf `o la` l gfa y~ ( ygz
ags y gfy a` nf hag la` `om ya`( t t A`a ga` aa lg y~a` ya`
la` lza` ls ilg t nf hag l t | ha` t lgy ha`!
m ia` gm bglg ga`5 Tol k ~a` lgf tm o to ko ygag sgaboag y( ko io ya` bglg ga` agk ga lg lgf tm }z kl o to ky
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
59/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + :? +
Hs5 AG@ B?
hfo bglg ga`( ga lg ~o ~f bgo hfo bglg ga` a `s ~o ~f bga` y~ l
a!
m ia` gm b ga lgf tm5 Bga` aa ys y~za` tf ky hfo b ga( tolm ia` gm b ga lgf tm la` `os Lgo agag ga lg l ~o ~f ya ia`!
Y~fa` ygo `oma tm }zm( Lgo agag ys y~za` }z ha y y~a` i a tf lgf
tm a`a ga! Y~fa` bgo( a`za ta gz ia` lm Lgo agag ho lg z h y~za`
t io ga! Lgo agag la sgo l lz ho y y~a` lgf tm ygjf h ga( ya` i a
y~za` t io ga( `ok ygoz i a a`a ga!
Ygl goa tol kzm na a5 Ygjf }z ag | :?&>334&] AGAA tkzm na a lm ll y lgl ya ia` yg kzm na a h tol lgza aga` bgfa
a( if na na a lgza `omf }za lg a lm bgfa a lgf na kzm a t
aga ygmag yfa y na kzm a!BGfa a l kzm( na h bgfa a l y
lgl ya ia` ygag hs t gfy a` ygjf Hzy ll y lgl ya ia`( Y lgl ya
ia` al a`fo lgf bglg gag tm 'b l bgfa y~ ygm y~fa` nf hag/ goa
ma` la i a gfl ma` l ygjf io a`fo na`! A`a ga` l yg na llbgfa lgf tm ak y~fa` bgz tl ys y~za` y~fa` imag kl lm kag a` ygo
kzm ho aga` bgfa lgf tm k y~l lgok y y~a` bga` ha y~fa` imag
kl lgf tm agk sga ya ~o ~f! Gfy a` kzm na a lm Lgo agag Ygmag
Wza la ~y agoz ga lg! Y~fa` ygo `oma yo( Lgo agag la }zma yk t z y
ga am sgy y~oa a`gos t a!
Ygl goa nf gojk~ ya ia`5 h gag ygl lgza ky sga gfl yfan ~o ~f ya ia` lgf ll y lgl nf gok! al ym( nf gok ya ia` la ~y
ga lg( nf gok ya ia` h ky y~fa` aga` sga` sgs ga lg ~o ~fl gf
A`a ga`! No h( Kl i A`a ga` l yg ygk ag l kl ~o ~f lm
ll bgfa tm aga` o to ll a`za aga ty ~m yk bok |fy lm A`a
ga`! Lg la bglg ga` ya ygy ky sga(|a wzy boag ifmag n ag y~ yg ~o
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
60/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 43 +
Hs5 AG@ B?
~f lgf A`a ga` h ~y ha! Az nf gok y~ yoa bs ygo yg ifmag a`gos l yg
|a wzy a`m( bgo A`a ga` l yg lgk ygz go ta lg bga` ky ta!
Tol ygl goa nf gok ya ia` al ym la ga lg( a`za aga h iflgo sg f yf a`gos t a ha( Lgo agag lgm l | z y wa` a` lgf
a`gos t a! Y~fa` ygo `oma yo Lgo agag aa }zma yk ga am a tol sgy
y~oa a`gos t a!
>!4! Ya` la` `ok |y |mz bgo lgf tm!Goa am ll AGYK ~y lg y~a` tf tol sga ylg bglg ga` y~l bgo
lgf tm! Yz agoa ho bga` lg y~a` ygk ag ho |mz bgo ls ya ia` lgf
bglg ga`! oz a `s sga `om ya` ~o ~f ya ia` lgf A`a ga`! Tol ygk
ag ho |mz bgolgf tm l ygl goa yo Lgo agag la ~y agoz ny ls! Agoz
y~a` gs |mz bgo A`a ga` yoa gag `oo a`a( if bga` lg ygjf io yag
gag gfy a` boag ifmag t | ia` ta lm bglg ga` aa agoz bglg ga`
| ia` ta |mo kl lg gfl hk a ygzm h ia yo bga` l bg aa` y~ a!
If ga lg ~o ~f ya ia` kl ygs agy Lgo agag la ya` la` la`yl `ok |y |mz bgo lgf tm h bok y~m( bok |fy tol bglg ga` ygl goa ll
oz bgfa lmk by y~fa` gs a` ya ia`!Ll sga` sgs `ok |y yga`
~y m ia`( Lgo agag aa yma` la` `ok |y |mz bgo lgf tm yga` }zm ll
sga` sgs |mz5
@ok |y gfy a` yo bgfa lz bglg ga` yo A`a ga`( }zm gfy a`yo bgfa yoa `o t yo bgfa yoa tm | sga ag yag gag yoz yg |a sgk(hz lgza yoa y( | ia` ta tm t y~ a! Tol noa a` ny yga` lm yo
bgfa | sga ag aga` bg bga y~fa` }za y~ yo lgag!
Sga ylg nf lf yo lgag lm bglg ga` ifmag a`gos ygjf ag b!Bglg ga` l ygo `oma yga` wza gfl ya` o io | sgo `o ll nf lf
yo lgag lgf A`a ga` ygjf ag b! A`a ga` | sga ylg ll agk lg | yo
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
61/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 4= +
Hs5 AG@ B?
lgag }zm ag `o yag gag gfy a` boag ifmag t bg aa` lgo y~ lzm
bglg ga`!
aygk t bok |fy m ok gfy a` boag ifmag ao l y~ lm bglgga`! Tol a | lza` ls lgf la n ya ia` aga` yga` yoa n lg ag | iz
y~ kza y~ a lm bglg ga`( ygl y~a` i y~ ya bgf( lgy ha` yo |a
k nf
Bok y~m nf k yoa tm5 o to yo |a yg lgs( A`a ga` la bok y~mwjk wy bglg ga` l | ia` a` kl lg ag lmk by y~fa` gs a` ya
ia` gm bga`6 o to yo |a lk l( A`a ga` la lg yo yag nf yfa t`o y~ yfa ta t ty lgy lm yo |a!Az yg ll izgoz to sgk la a`a
lga bs ygo! Y~fa` y~a` gs w ~m ~o ~f t yo |a k nf ag lg a( |y
h( `o y~ yg y~a` noa a` bga` kfa` kza yg Lgo agag la l aga` oz
lgag sg gs t bs ygo y~fa` gs a` ya ia`!
>!0! W h a wz t a l ta !
lgag h noa sgs lzo la` agk ga lg yo m aga` bgfa ygoy gow ~m! Lgo agag l yg w ia` lgag |lg }za h a wz yglg gs( sga la`
t }z y~lg agok o a( hoa by ll na A`a ga`+ Bglg ga` Lgag
}za m sga` y~fa` tol w h a!
o to w h a }z ga( Lgo agag la l|f aga` noa sgs l yg ag |mz5
Sga ylg a`za aga a }z ga lm ya` bglg ga`( y l noa sgsygf `5
" Y~fa` y~a` gs a`o tm l bg bga t yo lgag yk ygo |fa` ta la
bg aa` l|f kza y~ a yg A`a ga` s ia` lgag |lg g y~ ag 5 Lgf
tm ygk( `ok ho( l lz ho ygo ga y~ a
" o to bglg ga` bg bga t yo lgag( boag ifmag ygzm h( bg bgl
sgl( a }z ga lgm wl ag l a`za y~ a( Lgo agag la }za h lgy
lg bgfa tm t bglg ga` y~a ag |mz5
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
62/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 4> +
Hs5 AG@ B?
o to aga` bgfa tm l yo |a nf k5 Yk ll y lgl l aga laa`
hl yo lgag aga ho a lz bglg ga` bg bga ygfa` }zm gag ygl na a!
Az bga` na l a( Lgo agag ~ |fy yo |a k nf( yag y~a` yo |a( g| sgs h l yg sgy ko yo |a ygz go ta! Y~fa` y~a` gs yo |a sgy
ko bga` ygz go ta yg nzl bglg ga` sgo y~ yoa yos sga la ho yga`
}zm tol na yos yo |a( Az bga` Lgo agag l yg yza n sg |a! o to
y~a` gs lgf tm lg ag( az yo |a sgy ko bga` ygz go ta tm( Lgo
agag gfa ygoa yg yl y~ag Lgag Sg | h!
o to ll bgfa tm bga` l nf k5 Y~fa` y~a` gs a la bok|fy lgy lg a`za yo lgag lm bglg ga`( ll bgfa sgo ygz( a`za ta
ygmag yfa lz ll la` y~ag }zm yga` nf ta ga` ak o to hag tl w
ia`( b ygz yoa o to bag tl bgl t z lz bglg ga` la` lg z y(
a`o kzm ga` lmk by ygmag yfa lgza bgfa t yo bgfa lm bglg ga` yo
Lgo agag! o to bglg ga` h l aga 5 by gs la` l }zma la` yl( ta
a` `om ag ygz ws a`za y~ a!Noa sgs bgo boa ~m ym5 Goa am( y~fa` }zma g boag y( tol bgo boa
~m ym lgm ygag ygo }zja o to ko a`o! Y~fa` aa boag y yg y~a` lga`
ym la }zja ia to tol `oo }zy t tol boag y }zm ym a boag y! Tol bgo
boa ~m ym | l yl ia` o to bglg ga` bga` l ygoa lg y~fa` tol ygl
goa a`gm t y~ a|mz bgo ygl goa ll noa sgs y~a A`a ga` la wl ag
aga` ya ygy ky( Tol n s ~o ~f ya ia` a l y~lg y }z i sga`
~o ~f gfl }z i y~ l noy n s ~o ~f!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
63/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 4< +
Hs5 AG@ B?
AGAA la sgo gs to ll n a`ag l hoa }zma gfa ygoa g yga`ygmag yfa ygjf lgza kl }zl y! W ia` ll `oo sgs lgag |lg i gfa
ygoa sga` sgs bok yfa ao n y~fa` ll YLYI!
Gfa ygoa k gag y lgl n k ygmag y~m A`a ga`( a` ia` aga`a`za yl l na t `ok |y goz }z gfy a` A`a ga` lm ll nma
NM\JH( yza yg aga` }z yl yga y~a` y~fa` la` yl ygmag y~m! m ~m ll
noa sgs gfa ygoa g yga` `ok |y A`a ga` ygjf ga` aa` lmf lgyha` yag gag yo lgag t sgy y~oa g yga` lag nf |k aga` yok a y~fa`
gfy a` lm ll y lgl ya ia`( w ia` llg yos la yo la` yl ag `o
lgy ha` }za y~ ~o ~f y~fa` ao n ll y lgl ya ia`!
\m o ll }z ag t y~lg hs i sga` ~o ~f ya ia` ygjf ga` aa`lmf o go b ygzy t goz }z tol y~lg hs i sga` ~o ~f t `ok ygs bg
bga yo lgag lgf ll AGYK bgo `s sgo aga` ~o ~f!Yos yl gfa ygoa bgza` sgs h t y~oa bgmo kag ga am tol | ia`
ll gs a` sgo |oag ag5 L~jioy \pms|! L~jioy Fsyofa sgfa` a`m ~o ~f
ya ia`!
! Boa a`g to Ag Al
Gfya` boag ifmag lm A`a ga` sg ygzl lgy lg tf yag gag sgyy~oa boag y lm y al t lgoa hl lgag |lg boag y lm Ag al! Lgag
t yg( ll `oo sgs lm Lgag sg h ky y~fa` aga` `oo sgs }zma y~a` `os
ll AGYK y l kl yoz ma yfa( goz }z y~fa` gfy a` boag ifmag ao
lgza` t gfy a` ya ia` ao ~oa`
Ky | boa a`g to Ag al agk lo ygoa ko y~a` boag y( sgs hzylgf ll ygag sga boag y gfy a` t sgy y~oa agk aa` lmf |l lag y~mag
lm ll AGYK y~fa` }z y~ag go ags5
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
64/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 49 +
Hs5 AG@ B?
+ Ag al la w ia` a` n ll lgag |lg `os ifmag a`gos aa` lmfaa` hl lag y~mag ag5 Ygl goa l sga gm( lgag |lg ygz t y g yl gag
lgag( lgag |lg z y al a`fo!!+ kag yoa y~ag l sga gm ll AGYK }zl ifmag!+ Ag al la sgo l l lg }za h l goz }z gfy a` lm ifmag
a`gos( aa` lmf }za ga `a hoa to y~lg agok o to ll l }zma}za h
ag al(la l noa sgs boag ynzl ll ifmag a`gos lgs gag a` sgs
hag b yfa( ygl goa yy la` yl izy }zy yfa t bok y~m ygjf }z ag
k nf yag sgs h t a`za i hoz lza` lsoz a `os ll AGYK y~fa`tol lg a` a y~ag ~o ~f! Y aa` lmf goz }z lm la` yl }za y~ ~o ~f
A`a ga`!
Gfa ygoa l lg sgs h t l lz gfy a` boag ifmag lm Lgo agag(l b gflg ~ |fy ho ll l lg( }z ag ao n( lgag |m t gfa ygoa lgoa
hl boag ifmag!Y~ma` n ygoy n b ygzy goa o la ygoy t w ia` g yga`
yga` yoa sga` a`m ~o ~f ya ia` t yga` yoa }za h 'KO\/! SAN Lgo agag
Ygmag Wza la sgo w ia` g yga` yga` yoa sga` a`m ~o ~fl gf kag
ll la n ya ia` l yg ygz ygs yga` yoa t bglg ga` ky llg agy!
@ok ~o ~f y~fa` aga` y~a` gs yga` yoa n |mo hlg( gm if ygoz yga` yoa!
Nma gag a` n t ll lgag |lg ya ia`( }z y~ag ya ia`(ygk ag ya ia`( sga ls }za sg izy ya ia`( }za h a t w h a
wz!
Yf ko y~a` yg lg ao n koag nlg t hag kag( goz }z( yf ~m |lag y~mag hag kag( sgy gz l gy |l |ma` yf lz la n la` aga toa!
Y~a ( h ky | `oo sgs `s sga ga lg ~o ~f ya ia` yo SAN Lgo
agag Ygmag Wza y~a l | a`goa lz h hza lm lga` O t ag `o ygl
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
65/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 4: +
Hs5 AG@ B?
y~a` ~o ~f ya ia` f}~ lga` OO! aga` `oo sgs a l yg sgy gz l
yl ia` y~fa` ygl yoa o go sgo l | }zma yk lm Nma @ok l lm Lgo
agag( | sgo gs lm A`a Ga` Sga` Amk la` ll l }zma nma a`ag lhoa }zma!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
66/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 44 +
Hs5 AG@ B?
BY HZA
^o ~f ya ia` h gfy a` yy z y~fa` gfy a` boag ifmag lm
A`a ga`( Ll AGYK lg l yg ga lgl ~o ~f ya ia` kl l yg lgs
aga l lg bga` yg gfa yfa y~oy yoz l a! Lgag t t( y~fa` wz yg
go ags }zl y a` la` kag k( aa` lmf lgy ha` goz }z gfy a`
boag ifmag( y~fa` bga` yg ygoz gfy a` ya ia` h agok t |a` la lm
ll AGYK!
Y~a l | ta ia` ll sga` sgs a`goa lz t ygl yoa yo 5
=!Az ha l aga` ta l na agy t ya ia` t ~o ~f ya ia` y~fa`gfy a` boag ifmag A`a ga`! m ~m ky | `oo sgs ga lg ~o ~f ya ia`
lm ll AGYK!
>!Wjk wy }z y~ag gag ygag t sgy y~oa lm Lgo agag Ygmag Wza( m~m aga` sga ylg l yg t ygl y~a` ~o ~f ya ia` yo Lgo agag Ygmag Wza!
Kl i l agoz l `a` yk goz( a`goa lz |fa` if | hoz yga` yoa
ia` lgf sga ylg ya` gs la ga lg( ygo `oma a`goa lz ygl goa l ga
aa lgza bg y~ag bgo aga` ygoz |y( ga lg agy ag! T t jk ~y
kfa` kza aga l | ygmk `om a` `s boa lm ll yg( l lgza
gfa lgag t l a`gm ygl yoa ga!
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
67/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 40 +
Hs5 AG@ B?
IMAG KL YO HOZ YGMK BGF
O! \lg nf( ys lg5=!Y\! A`za Koag Boz( A`gos t a`a gma` goa o' yo na ha yg >/(
AWN Yga` b( >330
>!Y\! Y Ioz( @of y~ag ya ia` a`a ga`( AWN Yga` b( >33=
>339!
9!Sjyj~ \!^fj|( ]za y~ A`a ga` yga` ko( AWN yo lgag >33::!]za y~ ~o ~f y~fa` boag ifmag A`a ga`+ S@\!Y\ A`za Ta Yoa(
AWN yga` b >33:!
4!]zy ag 9?33:&]+AGAA t sga hfo a( y~lg hs t | ia` isga` w h ~o ~f y~fa` gfy a` A`a ga` lm YLYI
0!]zy ag 9:0&>33:&]+AGAA t }z agt ll y h nf k ma yfay~fa` gfy a` lm y lgl ya ia`
7!]zy ag =4>0&>33>&]+ AGAA t }z lg lgf tm lm YLYI tobglg ga`
?!Nf lf by }z boag ifmag lm SAN '>33:+>33?/=3!Ys lg a`a ga` ak >330( >337(>33?
OO!Y~ma` pjn5=!gyys5&&ppp!|nt!lfk!ta>!gyys5&&ppp!iojaima!f~
http://www.sbv.com.vn/http://www.sbv.com.vn/http://www.sbv.com.vn/http://www.diendan.org/http://www.diendan.org/http://www.diendan.org/http://www.vnexpress.net/http://www.vnexpress.net/http://www.vnexpress.net/http://www.vnexpress.net/http://www.diendan.org/http://www.sbv.com.vn/ -
8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
68/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 47 +
Hs5 AG@ B?
Kl hl
HO K Z!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=
LGA@ =5L \ H HZA T ^O ^F YA IA@ Y^FA@ GFY A@
BOAG IFMAG LM A@A GA@ YGA@ KO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Ya ia` h bag lgza yo yl a` lm ag al a ll kl yoz t k!!!!!!!!!!!!!!!!!:
=!>!< Ya ia` h la` l ygl goa ll la` l lgag |lg w go! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:
=!< Ll lg yoz f ha` ~o ~f ya ia`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:
=!
=! A wz t y h a wz y~a ya` i a! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!4=!
>! A`za aga t `oo sgs ga lg ~o ~f ya ia`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!0
>!= A`za aga lm ~o ~f ya ia`!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!0
>!=!= ^o ~f g yga`!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!0
>!=!> ^o ~f l noy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!7
>!> @oo sgs ga lg ~o ~f ya ia`!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!?>!>!= m ia` gm imag kl lgf tm! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!?
>!>!> Ya` la` la` yl ygmag y~m( bok |fy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!?
>!>!< ag `o ~o ~f ag b t ws hfo bglg ga`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=3
>!>!9 Ygl goa sga hfo a t y~lg hs i sga` ~o ~f! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=3
>!>!: l hs `om lgl aa` na ga`( yl a`gos t }za y~ ~o ~f !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=3
>!>!4 Nf gok ya ia` !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!==
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
69/73
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
70/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 03 +
Hs5 AG@ B?
33? lm A`a ga` Sga` Amk Lgo
agag Ygmag wza!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!94
Kl yoz l yg5 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!90
3=3 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!90
> @oo sgs ga lg ~o ~f ya ia` yo A`a ga` Sga` amk Lgo agag Ygmag
Wza! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!9?
>!> Ya` la` t | ia` l goz }z yo |a k nf! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:3>!
>!9! Gfa ygoa g yga` yga` yoa ya ia`!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:0
>!:! m ia` gm |a sgk ya ia` agk sga ya ~o ~f! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:7
>!4! Ya` la` `ok |y |mz bgo lgf tm!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!43
>!0! W h a wz ta l ta ! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!4=
BY HZA !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!44
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8/2/2019 Gii php phng nga v hn ch ri ro tn dng ti Ngn hng Phng Nam chi nhnh thanh xun
71/73
Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 0= +
Hs5 AG@ B?
HO K Z!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=LGA@ =5 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! A`za aga t `oo sgs ga lg ~o ~f ya ia`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 0>!= A`za aga lm ~o ~f ya ia`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 0>!=!= ^o ~f g yga`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 0>!=!> ^o ~f l noy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 7>!> @oo sgs ga lg ~o ~f ya ia`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ?>!>!= m ia` gm imag kl lgf tm! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ?>!>!> Ya` la` la` yl ygmag y~m( bok |fy! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ?>!>!< ag `o ~o ~f ag b t ws hfo bglg ga`! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! =3>!>!9 Ygl goa sga hfo a l y~lg hs i sga` ~o ~f! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! =3>!>!: l hs `om lgl aa` na ga`(yl a`gos t }za y~ ~o ~f !!!!!!!!!!!!!!!!!!!!!!! =3>!>!4 Nf gok ya ia`!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ==>!>!0 Nf k ya ia` a`a ga` !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! =>
Lga` OO 5 Ygl y~a` ~o ~f ya ia` yo AGYK Sga` !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=9Amk lgo agag Ygmag wza !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!=9
OO `oo ygoz bgo }zy t SAN Lgo agag Ygmag wza! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! =9
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Lgza yy a`gos Gl toa a`a ga`
Y~ag Yg Lgl + 0> +
Hs5 AG@ B?
=! Hlg | gag ygag! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! =9>! Bgo }zy yag gag gfy a` boag ifmag yo Lgo agag Ygmag Wza! !!!!!!!!!!!!!!!! =4>!= K gag y lgl A`a ga` Sga` Amk Lgo agag Ygmag Wza! !!!!!!!!!!!!!!!!!!! =4>!> Aga` by }z ao ny lm SAN Lgo agag Ygmag wza y~fa` aga` ak }zm! =0>!< ag `o lgza` by }z boag ifmag lm SAN Lgo agag Ygmag wza!!!!!!!!!!!!!!!! >994 Sga hfo ya ia` ygjf b ga5 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! >7?! Ygl y~a` ~o ~f ya ia` yo A`a ga` Sga` Amk Lgo agag Ygmag wza 5
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Lgza yy a`gos Gl toa a`a ga`
>!:! mia` gm |a sgk ya ia` agk sga ya ~o ~f! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! :7>!4! Ya` la` `ok |y |mz bgo lgf tm!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 43>!0! W h a wz t a l ta! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 4=
Boa a`g to Ag Al4>
BY HZA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!44
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