Nâng Cao Chất Lượng Cho Vay Tiêu Dùng Tại Ngân Hàng Nông Nghiệp Và Phát Triển...
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MC LC
LI M U..........................................................................................................................7
CHNG 1: NHNG VN C BN V TN DNG NGN HNG V CHT
LNG CH! V"# TI$U D%NG T&I NGN HNG THNG M&I...............................'1.1. Nhng l lun c bn v tn dng ngn hng...........................................................9
1.1.1. Khi nim v i tng cho vay...........................................................................9
1.1.1.1. Khi nim cho vay..........................................................................................9
1.1.1.2. i tng cho vay...........................................................................................9
1.1.2. Nguyn tc v iu kin cho vay..........................................................................9
1.1.2.1. Nguyn tc cho vay.........................................................................................9
1.1.2.2. iu kin cho vay..........................................................................................10
1.1.3. h!n "o#i cho vay................................................................................................121.1.3.1. !a v"o ch# th$ vay vn..............................................................................12
1.1.3.2. !a v"o m%c &'ch () *%ng vn vay..............................................................12
1.1.3.3. !a v"o th+i h,n cho vay.............................................................................12
1.1.3.-. !a v"o mc &/ t'n nhim c#a khch h"ng.................................................12
1.1.3.. !a v"o hng thc cho vay......................................................................13
1.1.3.. !a v"o hng thc ho"n t45 n vay.........................................................13
1.1.3.6. !a v"o 7u8t ( t'n *%ng..............................................................................13
1.2. Nhng l lun c bn v cho v! t"#u d$ng............................................................1%1.2.1. Khi nim$ i tng$ %c i&m v "i 'ch c(a cho vay tiu )*ng....................13
1.2.1.1. Khi nim c#a cho vay tiu *ng..................................................................13
1.2.1.2. i tng c#a cho vay tiu *ng..................................................................1-
1.2.1.3. :c &i$m c#a cho vay tiu *ng...................................................................1-
1.2.1.-. ;i 'ch c#a cho vay tiu *ng.......................................................................1
1.2.2. +c h,nh th-c cho vay tiu )*ng c(a ng!n hng thng m#i.........................1/
1.2.2.1. ..........................................................20
1.2.3. 0ai t c(a cho vay tiu )*ng i vi nn kinh t4.............................................21
1.2.3.1. @ai t4A c#a cho vay tiu *ng &i vBi khch h"ng........................................21
1.2.3.2. @ai t4A c#a cho vay tiu *ng &i vBi ngCn h"ng thng m,i......................21
1.2.3.3. @ai t4A c#a cho vay tiu *ng &i vBi nn kinh tD &8t nBc.........................22
1.2.5. +h6t "ng cho vay tiu )*ng............................................................................23
1.2.-.1. Khi nim ch8t Eng cho vay tiu *ng......................................................23
1.2.-.2.
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1.2.-.-. u5n t4L 4#i 4o t4ong ho,t &/ng cho vay tiu *ng t,i cc NGHI...............30
1.2.7. Kinh nghim cho vay tiu )*ng c(a cc N8: t#i m;t c i vi cc N8: 0it Nam......................................................................3/
1.2..1. Go,t &/ng cho vay tiu *ng t,i m/t ( nBc..............................................3
1.2..2. M"i hc kinh nghim 4Ot 4a &i vBi cc NGHI t,i @it Nam.......................-2
CHNG ): TH*C T+&NG CH! V"# TI$U D%NG T&I NGN HNG N,NG
NGHI- V H/T T+I0N N,NG TH,N CHI NH/NH GI" LM.................................
2.1. &"'" th"(u chung v Ngn hng n)ng ngh"(* v *h+t t,"-n n)ng th)n ch" nh+nh
&" L.............................................................................................................................//
2.1.1. ?ii thiu khi @ut v Ng!n hng nAng nghiB v Bht ti&n nAng thAn 0it
Nam...............................................................................................................................55
2.1.2. ?ii thiu v Ng!n hng nAng nghiB v Bht ti&n nAng thAn chi nhnh ?ia
C!m................................................................................................................................572.1.2.1. PiBi thiQu v tRnh hRnh 7S hTQi GuyQn Pia ;Cm.............................................-
2.1.2.2. ;Lch () hRnh th"nh v" ht t4i$n...................................................................-
2.1.2.3.
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2.2..2. @ * n cho vay..........................................................................................
2.2./. h!n t'ch ch6t "ng cho vay tiu )*ng t#i Ng!n hng nAng nghiB v Bht
ti&n nAng thAn chi nhnh ?ia C!m............................................................................D
2.2..1.
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DEN@ MC CFC GHN& GIJK
B=>? 1: C@A A EF ?@ EFJK K EAK AK OPQ E=R? S..............................................2)
B=>? ): H EK W=>X Y Z X[E K\ E]= M^...............................................................22
B=>? 2: M_A AK OPQ E= WP EK` W=>X Y AaP N K\ M^...............................................2B=>? : TJK KJK K?Q Wbc O AaP NHN8TNT AK= K@K G=P LX Ed )ee7 ( )ee'.....7
B=>? f: TJK KJK Yg Sh O AaP NHN 8 TNT AK= K@K G=P LX Ed )ee7 Si )ee'.'
B=>? j: iE ?k l=K SPK AaP NHN 8 TNT AK= K@K G=P LX Ed )ee7 Wi )ee'.....fe
B=>? 7: TJK KJK AK OPQ E=R? S AaP NHN8TNT AK= K@K G=P LX Ed )ee7 Wi
)ee'........................................................................................................................................j
B=>? 9: Tm liE S n AK OPQ E=R? S Z NHN 8 TNT AK= K@K G=P LX Ed oX
)ee7 Wi oX )ee'................................................................................................................jfB=>? ': Cp Aq? AK OPQ E=R? S EK` EKr= =P Ed oX )ee7 Wi oX )ee'.....................jj
B=>? 1e: Cp Aq? AK OPQ E=R? S K EK` XhA WAK Yg Sh O Ed oX )ee7 Wi oX
)ee'........................................................................................................................................j9
B=>? 11: Cp Aq? AK OPQ E=R? S EK` Kp EK_A AK OPQ Ed )ee7 Wi )ee'................j'
B=>? 1): Vs ?PQ O AK OPQ E=R? S Ed oX )ee7 Wi oX )ee'.............................71
B=>? 12: K t]= n ?@ K] O\ n uq? EFR Em S n AK OPQ E=R? S Ed oX )ee7 Wi
oX )ee'................................................................................................................................7)
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DEN@ MC CFC 4O GIJK 4
B=>? Wv e1: D n AK OPQ E=R? S AaP NHN 8 TNT AK= K@K G=P LX ?P A@A oX
)ee7w )ee9 O\ )ee'................................................................................................................jj
B=>? Wv e): Cp Aq? AK OPQ E=R? S EK` EKr= =P AaP NHN 8 TNT AK= K@K G=PLX ?P A@A oX )ee7w )ee9 O\ )ee'...................................................................................j7
B=>? Wv e2: Cp Aq? AK OPQ E=R? S K EK` XhA WAK Yg Sh O AaP NHN 8 TNT
AK= K@K G=P LX ?P A@A oX )ee7w )ee9 O\ )ee'...........................................................j9
B=>? Wv e: Cp Aq? AK OPQ E=R? S EK` Kp EK_A AK OPQ AaP NHN 8 TNT AK=
K@K G=P LX ?P A@A oX )ee7w )ee9 O\ )ee'.................................................................j'
B=>? Wv ef: DPK Y EK? n AK OPQ E=R? S AaP NHN 8 TNT AK= K@K G=P LX ?P
A@A oX )ee7w )ee9 O\ )ee'..................................................................................................71
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DEN@ MC CFC 0@KP0 N&Q RIS0 0T0
BHTG Bk K=>X E=x g=
CVTD CK OPQ E=R? S
CBTD C@ [ E Sh
Cw L CK= Kw t K
D Dy Ks
HNN I ]= KzA b K= I
H K@AK K\
D =K SPK
NHTM N K\ EKp X]=
NHNN N K\ NK\ A
NHN 8 TNT N K\ b K= O\ K@E EF=> b EKb
NHT{ N K\ EF? p
GD Ks =P S|AK
}L }?k t~TCTD Tm AK_A E Sh
TD T Sh
T4B T\= Yk k WkX
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LUI MV 4WK
0nh c=* th"t c? X t"
P S] K@ t\ X[E u? K EqE Qi? AaP Yy K@E EF=> EF K]E W[ l=K
SPK = AK? O\ K]E W[ K\ = F=R. A =E EFA K QR? A?X= AaP A]K EFPK O\ K[= K l=K Eiw \K K\ Kk= lKb d K@E
EF=> O\ EJX l=iX K K W= X= K Kn W> OdP A EK> W@ _ \Q A\ EE
Kp K? A? AaP lK@AK K\ OdP W_ O EF Ap AKi EK| EFr. MZ F[ AK
OPQ E=R? S t\ X[E K W= K OQ O\ AP AKqE tn AK OPQ E=R? S t\
=k= K@ AKa Qi?.
CK OPQ E=R? S W u?qE K= Z A@A A K@E EF=> Ed K oX 7e AaP EKi
l EFA. V=E NPXw K]E W[ \Q X= AK WnA A@A K\ EKp X]= AK ~lKk 1f oX EFZ t]= WQ. H= PQw AK OPQ E=R? S t\ Xk EK| EFr E=xX o
X\ EqE Ak A@A K\ Wx? K E=. V=E NPX O= S Y lKk 9f EF=? r=
O\ X_A EK? K AaP r= S \Q A\ Eo K_P K Y t\ Y AKp= @ t F[
XZ AK A@A K\ EKp X]= = F=R O\ EqE Ak A@A Em AK_A E Sh = AK?.
= O= NHN 8 TNT V=E NPX EKJ AP AKqE tn AK OPQ E=R? S
t\ XhA E=R? EFA XE O\ t? S\= AaP K\w KX K@E EF=> K]E W[ K\
@ t A K = O O| EF X[E EF K NHTM K\ W? V=E NPX.
CKK OJ OQw YP? X[E EKr= =P EKyA E E]= NHN 8 TNT AK= K@K G=P
LXw `X K EKqQ WnA E=xX o AaP K]E W[ \Q O\ EX ?P EFz AaP O=A
EKyA K= O\ AP AKqE tn AK OPQ E=R? S W= O= Yy K@E EF=> t? S\= AaP
K\. D W `X tyP AKz Wx E\= YNng co ch=t l6>ng cho v! t"#u d$ng t"
Ngn hng n)ng ngh"(* v *h+t t,"-n n)ng th)n &" LZ W> K=R A_?w EJX
K=>? O\ Ed W WP FP l=i K| O\ Wx u?qE W> K@E EF=> K]E W[ \Q.
Mc t"#u ngh"#n c[u
Td t~ EK?QiE A O= Yy K=R A_? EJX K=>? AaP k EKw SyP EFR EJK KJK
EKyA Ei AaP AK OPQ E=R? S E]= AK= K@Kw W> EJX FP =k= K@ AP AKqE tn
AaP AK OPQ E=R? S E]= NHN 8 TNT AK= K@K G=P LX.
4;" t6>ng ngh"#n c[u
Co A_ O\ P XhA E=R? EFRw W= En O\ K]X O= K=R A_? AaP t? Oo
E EF? O\ K]E W[ AK OPQ E=R? S Z NHN 8 TNT AK= K@K G=P LX
EF 2 oX )ee7w )ee9 O\ )ee'.
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Bh6ng *h+* ngh"#n c[u
Kp K@ K=R A_? WnA Yg Sh AKa Qi? t\ Kp K@ EK? EK
EKb E= O\ Kp K@ K EAK. TKb E= EK? EK WnA EKb ?P K=x? lRK
K ?@ EFJK EKyA E EFyA E=i E]= K\w K Oq A@ [ Ab K O=R AaP
K\w A@A @ A@ E\= AKK oXw @ A@ E Sh Kp K@ K EAK Yg
Sh A@A EKb E= \Qw liE Kn O= Kp K@ Y Y@Kw W= AK=i?w Em Kn EKb
E=w Ed W WP FP K K W|K Ox EJK KJK AK OPQ E=R? S Z NHN 8 TNT
AK= K@K G=P LX.
\t c=u c? X t"
N\= K Lr= XZ W?w iE t? O\ SPK XhA E\= t=? EKPX lKkw Wx E\= WnAliE Aq? EK\K 2 AKp:
+hng 1WNK Oq Wx Ap k Ox E Sh K\ O\ AKqE tn AK
OPQ E=R? S E]= N K\ EKp X]=
+hng 2WTKyA EF] AK OPQ E=R? S Z N K\ b K= O\ K@E
EF=> b EKb G=P LX
+hng 3WM[E Y =k= K@ Ap k KX AP AKqE tn AK OPQ E=R?
S E]= N K\ b K= O\ K@E EF=> b EKb G=P LX
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C@]N& 1
N@QN& R^N 4_ C GHN R_ 0`N DN& N&aN @N& R C@^0
L]N& C@ REe 0IfK DN& 0I N&aN @N& 0@]N& MI
1.1. Nhng l lun c bn v tn dng ngn hng
1.1.1. \h+" n"( v X;" t6>ng cho v!
1.1.1.1. \h+" n"( cho v!
CK OPQ AaP NHTM t\ O=A AK?Q> Kn E]X EKr= X[E tn =@ EF| Ed
NHTM r= YZ K? YP lK@AK K\ OPQ r= Yg Sh YP? X[E EKr= =P KqE
W|K ?PQ EFZ t]= NHTM O= tn =@ EF| t Kp tn =@ EF| P W?. HPQ A EK>
K=>? AK OPQ AaP NHTM t\ ?P K =P X[E R t\ r= AK OPQ NHTM
A@AK AK?Q> =P E=x KA E\= Yk AK R r= OPQ lK@AK K\ OPQ W> Yg ShEF X[E EKr= =P KqE W|K O= APX liE AaP r= OPQ t\ K\ EFk Ak A O\ t= lK=
Wi K]. CK OPQ t\ ?Qx AaP NHTM. VJ OQ NHTM A ?Qx QR? A? lK@AK K\
OPQ Kk= E? EKa K W=x? l= XP EK K@ t~ KX WkX k O=A EFk n lK=
Wi K].
1.1.1.2. 4;" t6>ng cho v!
NHTM AK AK OPQ W@ _ K? A? OPQ O Kn K@ EK` ?Q W|K AaP
K@ t?E. A lK@A KP? A ?Q W|K W= En OPQ lK@A KP?. V=E NPX EK`L?E A@A Em AK_A E Shw L?E K\ NK\ NA O\ A@A Oo k K= K\K ?Q
W|K Em AK_A E Sh lKb WnA AK OPQ K K? A? OPQ O W> EKyA K= A@A
[= S? K: M?P YX A@A E\= Yk O\ AK= K KJK EK\K E\= Yk X\ K@ t?E AqX
X?P @w AK?Q> Knw AK?Q> Wm= EKPK E@ A@A lKk AK= K W> EKyA K= A@A
=P S|AK X\ K@ t?E AqX W@ _ A@A K? A? E\= AKK W> =P S|AK X\ K@ t?E
AqX.
1.1.2. Ngu!#n tic v X"u 7"(n cho v!
1.1.2.1. Ngu!#n tic cho v!
> WkX k P E\ Ow EF ?@ EFJK AK OPQ A@A K\ EKp X]=
t?b Kk= E? EKa A@A ?QR EA YP? WQ:
0"n v! *h" X6>c :j dng Xkng c Xch X tho thun t,ong h>*
Xmng tn dng
TK` ?QR EA \Q EKJ Xz= lKk OPQ Wx? Kk= WnA u@A W|K EFA Ox XhA
WAK l=K Ei. BZ= OQw A@A SPK K= O\ A@ K A K? A? OPQ Ow EFA lK= OPQKk= EFJK \Q O= K\ XhA WAK OPQ Ow g= AK K\ A@A li K]AK KPQ
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Sy @ Yk u?qE l=K SPKw A@A Kn Wv A? Aq O\ E=R? EKh Yk KXw A@A E\= t=?
li E@ W> K\ u`X uEw AK OPQ. K= AK OPQw K\ A lK@AK K\ t
Kn Wv E Sh OPQ O O\ lK@AK K\ Kk= APX liE Yg Sh E=x OPQ W XhA
WAK O\ W=x? \Q WnA K= EF Kn Wv OPQ O.
4P? lK= W K WnA E=x OPQ lK@AK K\ Kk= Yg Sh W XhA WAK KW APX liE. N K\ A EF@AK K=X l=>X Y@E O=A Yg Sh O AaP lK@AK K\w
i? lK@AK K\ Yg Sh O OPQ YP= XhA WAK K\ Kk= @ Sh A@A = K@
AKi E\= EKAK Kn KX o dP Fa= F A EK> ukQ FP AK K\.
0"n v! *h" hon t, Xkng hn X! X? c g;c v l"
H\ EFk t\ EK?[A EK O A AaP E Shw Yy K\ EFk t\ X= ?P EX K\
W? AaP A@A K\ lK= AK OPQ. TK? Kv= n Ak A O\ t= W K] t\ Ap YZ W> A@A
K\ EKp X]= Ev E]= O\ K@E EF=>.
N?v O AK OPQ AaP K\ AKa Qi? t\ ?v O K?Q W[w K\
t\ r= W= OPQ W> AK OPQ. N K\ Kk= WkX k K\ EFk WQ Waw l| EKr= AK
r= g= lK= Kz A K? A? FE E=x. VJ OQw K\ Ws= K= r= OPQ O Kk=
K\ EFk AK K\ W K]. Ni? K\ lKb EK? Kv= KA lKb EK? Kv=
W K] A@A lKk AK OPQ EKJ A lKk o S Wi XqE lKk o EKPK E@ O\ K@
Yk.
N\= FPw EF ?@ EFJK EKyA K= A@A K= Oh E Sh AaP XJKw K\ Kk= W A@A AK= K K: EFk t= E=x g=w AK= K q AKw EFk tp A@ [
K O=Rw [ EK?iw EFAK t A@A ?^ D Ww K\ Kk= EK? EKRX lKk
AKRK tAK \= Y O A AK OPQ.
> A EK> EKyA K= WnA ?QR EA \Q EF ?k t~ O OPQ K\
Kk= u@A W|K EKr= K] AK OPQw A@A l K] n AaP Ed lKk OPQw Wv EKr= EKr
u?QR EK` S=w Wb WA lK@AK K\ EF O=A EFk n.
1.1.2.2. 4"u 7"(n cho v!
K@AK K\ AK A EK> OPQ O AaP K\ lK= Kz EKk X EqE Ak A@A W=x?
l= OPQ O. TK` t?E K@ V=E NPXw [= S? A@A W=x? l= OPQ O vX:
0h[ nh=tw lK@AK K\ Kk= A Wa E A@AK K@ t~
}?P K TD =P K\ O= lK@AK K\ t\ ?P K WnA K@ t?E k O.
VJ OQw Kk= WnA t EFR Ap YZ ?Q W|K AaP t?E K@. D Ww A@A AKa EK> EKPX
=P ?P K Kk= A Wa E A@AK K@ t~. Hp EKi EF ?P K E Sh Y K@E Y=K
Yy AK?Q> =P O\ =P S|AK Ox E\= Yk S W A A Yy u@A K AaP A@A R EKPX =P
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EK` W ?Q W|K AaP t?E K@. NK OQw lK@AK K\ Kk= A Wa E A@AK K@ t~
W> EKyA K= A@A =P S|AK.
0h[ h"w O OPQ Kk= WnA Yg Sh Kn K@
V OPQ Kk= WnA Yg Sh Kn K@ E_A t\ lKb O= K]X K@ t?E O\ XhA
WAK Yg Sh O OPQ K Kn O= Wo l~ l=K SPK AaP SPK K=w Em AK_A
l=K Ei. VJ OQw lK= lK@AK K\ Yg Sh O qE Kn K@ EKJ A@A E\= Yk W Y |
K Ek KA | E|AK EK? Ed W kK KZ E= lKk o K\ EFk A O\ t= AK
K\. N\= FPw lK= O OPQ Yg Sh qE Kn K@ EKJ E A@AK K@ t~ AaP lK@AK K\
A EK> | XqE W= S W kK KZ E= ?P K E Sh Kn K@ =P K\ O=
lK@AK K\.
0h[ bw lK@AK K\ Kk= A o tyA E\= AKK t\K X]K Wa W> WkX k
K\ EFk E=x OPQ W K] W APX liE.
L~ S lK@AK K\ Kk= A EJK KJK E\= AKK t\K X]K A EK> WnA K=>? K
YP?: SPK K= A EJK KJK E\= AKK t\K X]K E_A t\ SPK K= W A lKk
o ?k t~ EE: AK_ X=K Yy K@E EF=> m W|K AaP lK@AK K\ WkX k AK
lK@AK K\ A Ap YZ O AKA Ox E\= AKK W> WkX k AK APX liE K\ EFk E=x
OPQ W K].
0h[ t6OlK@AK K\ Kk= A Kp @w Sy @ Yk u?qE l=K SPK lKk EK= O\
K=? ?k W= O= lK@AK K\ A Sy @w Kp @ Yk u?qE l=K SPK.
K@AK K\ Kk= A Kp @ lKk EK= O\ K=? ?k OJ k AKqE AaP NHTM t\
Em AK_A l=K SPK EF W O=A AK OPQ Kk= WkX k A@A ?QR EA Y=K tr= Ap
k. D W Sy @ O\ Kp @ X\ K\ E\= EFn O Kk= WkX k EK lKk EK=
O\ K=? ?k.
TF K]E W[ E Sh AaP NHTMw ?v EK? Ed Kp @ O\ Sy @ OPQ
O WnA A= t\ ?v EK? EK_ KqE WkX k P E\ O A K K@E EF=> t=R
EhA AaP lK@AK K\ O\ K\.
0h[ nOlK@AK K\ Kk= EKyA K= WkX k E=x OPQ EK` ?Q W|K. NHTM
?P EX Wi WkX k E=x OPQ OJ:
kX k E=x OPQ t\ Ab Ah k WkX EF O=A EKyA K= EF@AK K=X O\
KP Oh AaP H EF ?P K OPQ O.
kX k E=x OPQ A A? Aq ?v EKPK E@ EK_ KP= AK NHTM
EF EFr Kn lK@AK K\ lKb EFk WnA lKk OPQ
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1.1.%. Bhn lo" cho v!
1.1.%.1. D vo ch? th- v! v;n
CK OPQ SPK K=
CK OPQ K[ A@ EK>1.1.%.2. D vo c Xch :j dng v;n v!
CK OPQ l=K SPK qE W[ Yk
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CK OPQ b K=
CK OPQ KhA Oh K? A? Wr= Y
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1.1.%.%. D vo thp" hn cho v!
CK OPQ K]: t\ A@A lKk OPQ A EKr= K] AK OPQ EF Os 1) EK@
CK OPQ EF? K]: t\ A@A lKk OPQ A EKr= K] AK OPQ Ed EFR 1) EK@ Wi
je EK@.
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1.1.%./. D vo [c Xq tn nh"( c? 7h+ch hng
CK OPQ A WkX k
CK OPQ A WkX k t\ KJK EK_A Aq E Sh A E\= Yk WkX k KA A Yy
k tK AaP r= EK_ P. CK OPQ A WkX k E\= Yk lK@AK K\ OPQ AKa Qi?
WnA EKyA K= A@A KJK EK_A YP? WQ:
CK OPQ AX A AK_ lK@
CK OPQ AX A EKp K=i?
CK OPQ AX A Kn Wv EK? lK@
CK OPQ AX A K\ K@
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CK OPQ lKb A WkX k
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CK OPQ lKb A WkX k E\= Yk t\ O=A Em AK_A E Sh AK lK@AK
K\ OPQ O lKb A E\= Yk AX Aw EKi AKq KA lKb A k tK AaP r=
EK_ P E\= Yk. Tm AK_A E Sh lK= AK OPQ O AK SyP O\ ?Q E AaP lK@AK
K\ W> u`X uE AK OPQ. K@AK K\ A ?Q E t\ lK@AK K\ A o tyA E\= AKK
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1.1.%.3. D vo *h6ng th[c cho v!
CK OPQ EK` X OPQ
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CK OPQ EK` K] X_A E Sh t\ Kp K@ AK OPQ X\ K\ O\
lK@AK K\ EKk EK? u@A W|K X[E K] X_A TD S?Q EFJ EF X[E EKr= =P KqEW|Kw WnA K\ O\ lK@AK K\ EKk EK? EF Kn Wv TD.
CK OPQ EK` K] X_A E Sh EKr @ Sh AK A@A SPK K= X\
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E Sh E_A t\ OPQ O O\ EFk n Ys K.
CK OPQ EK` K] X_A EKq? AK=
1.1.%.r. D vo *h6ng th[c hon t, n> v! CK OPQ A K=x? l K] EFk n: KPQ As z= t\ AK OPQ EFk .
CK OPQ AK A 1 EKr= K] EFk n KPQ As z= t\ AK OPQ EFk n 1 t lK= W@
K].
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CK OPQ =@ E=i
1.2. Nhng l lun c bn v cho v! t"#u d$ng
1.2.1. \h+" n"(O X;" t6>ngO Xc X"- v l>" ch c? cho v! t"#u d$ng
1.2.1.1. \h+" n"( c? cho v! t"#u d$ng
CK OPQ E=R? S t\ A@A lKk AK OPQ KX E\= EFn AK K? A? AK= E=R? AaPr= E=R? S P vX A@ K O\ K[ =P WJK.
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1.2.1.2. 4;" t6>ng c? cho v! t"#u d$ng
C K=x? A@AK K t]= W= En lK@A KP?w A@AK Km =i KqE t\ AK=PKX SyP EFR lKk o E\= AKK AaP lK@AK K\ K YP?:
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E=R?.
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t\ FP lKk E=iE l=X Sy Ks AaP XJK.+ NKX W= En A EK? K AP: NK? A? OPQ E=R? S kQ Y=K
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E=R? lK= E=x O EAK t?^ AaP K[ WP WnA W? E EF? O\ S\= K]. HPQ = A@AK
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E XP t]=. NK r= EK?[A KX \Q EKr u?QR A AK= E=R? EF XhA WAK
E=R? S O= Y E=x t.
1.2.1.%. 4c X"- c? cho v! t"#u d$ng+ }?Q Xb AaP Ed Kn Wv OPQ EKr Kw S Wi AK= K Em AK_A
AK OPQ APw OJ OQ t= Y?qE AK OPQ E=R? S EKr AP Kp Y O= t= Y?qE AaP A@A
t]= AK OPQ EF tK OyA EKp X]= O\ Ab K=.
+ NK? A? OPQ E=R? S AaP lK@AK K\ EKr Kh EK?[A O\ AK? l
l=K Ei.
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X\ EKb EKr r= W= OPQ ?P EX E= Y E=x Kk= EKPK E@ Kp t\ t= Y?qE X\Kz Kk= AK|?.
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EK=iE E= K? A? OPQ E=R? S AaP lK@AK K\.
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AK K lKb lAK WnA A? X\ K=x? lK= As t\X =kX lKk o E=iE l=XEF A.
1.2.2. C+c hnh th[c cho v! t"#u d$ng c? ngn hng th6ng "
K t]= AK OPQ t\ O=A Y ui A@A lKk AK OPQ EK` Ed KX SyP EFR
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1.2.2.1. Cn c[ vo c Xch v!
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S A EF t\ A@A lKk AK OPQ KX E\= EFn AK K? A? X?P YXw uQ Sy KA
Ak= E] K\ Z AaP lK@AK K\ t\ A@ K KA K[ =P WJK.
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1.2.2.2. Cn c[ vo *h6ng th[c hon t,w
Cho v! t"#u d$ng t, gx* yIn:tllznt Con:uz, Lon{
Q t\ KJK EK_A AK OPQ E=R? S EF W r= W= OPQ EFk n vX Y E=x
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OPQ.
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WnA KZ K E= AK Ed AK EF X[E EKr= =P S\=.
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Kk= EKPK E@ EFA X[E K =@ EF| E\= Yk A X?P YX Y E=x \Q WnA z= t\
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t W> X[E XEw t\X AK r= W= OPQ K F Kz AKK t\ AKa YZ K? AaP E\= YkwXE lK@A A E@A Sh K] AKi Fa= F AK K\. M[E lK= lKb AkX K WnA
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Yk W> EK? Kv= n. H? KiE A@A E\= Yk W ?P Yg Sh Wx? | =kX =@ EF|w E_A t\ =@ EF|
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EFs FqE ?P EFz = K\ K] AKi Fa= F. 4 E=x EFk EFA K=x? KPQ E EKr
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Fa= Fw Wv EKr= XP t]= X[E K tn= K? EKk W@ AK K\.
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EKPK E@ n AaP lK@AK K\w K\ EKr AK ~ E= X[E Y Oq Wx YP?: = 4
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Cho v! t"#u d$ng *h" t, gx* yNon|"n:tllznt Con:uz, Lon{
TK` Kp EK_A \Q E=x OPQ WnA lK@AK K\ EKPK E@ AK K\
AK X[E t lK= Wi K]. TKr EKJ A@A lKk AK OPQ E=R? S K= EFk AK
WnA Aq AK A@A lKk OPQ A =@ EF| K O= EKr= K] lKb S\=.
Cho v! tn dng tun hon y}zvolv"ng Con:uz, C,zd"t{
L\ A@A lKk AK OPQ E=R? S EF W K\ AK K lK@AK K\ Yg
Sh EK E Sh KA K@E K\K t]= YA WnA K EKq? AK= SyP EFR E\= lKk O
tP=. TK` Kp EK_A \Qw EF EKr= K] AK OPQ WnA EKP EK? EFAw Ao A_ O\
K? A? AK= E=R? O\ EK? K l=iX WnA Ed lw lK@AK K\ WnA K\ AK
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Sh.
L= Kk= EFk X= l A EK> EK SyP EFR X[E EF P A@AK YP?:
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L= WnA EK SyP EFR Y S n W WnA W=x? AKK: TK` Kp K@
\Q Y S n WnA S W> EK t= t\ Y S n A?= A AaP X= l YP? lK= lK@AK
K\ W EKPK E@ n AK K\.
L= WnA EK SyP EFR Y S n EFA lK= WnA W=x? AKK: TK`
Kp K@ \Q Y S n S W> EK t= t\ Y S n A?= X= l A EFA lK=
lKk n WnA EKPK E@.
L= WnA EK SyP EFR Ap YZ S n JK ?
1.2.2.%. Cn c[ vo ngumn g;c c? 7hon n>w
Cho v! t"#u d$ng g"+n t"* yInd",zct Con:uz, Lon{
CK OPQ E=R? S =@ E=i t\ KJK EK_A AK OPQ EF W K\ X?P A@A
lKk n K@E Y=K S K Ab EQ @ t W @ AK|? K\ KP KPQ S|AK Oh AKr= E=R? S.
CK OPQ E=R? S =@ E=i A X[E Y ? W=>X YP?: CK K K\ S
S\ Eo SPK Y AK OPQ E=R? S AK K K\ E=iE =kX WnA AK= K
EF AK OPQ t\ ?v A AaP O=A XZ F[ ?P K O= lK@AK K\ O\ A@A K]E
W[ K\ lK@A EF EFr Kn A ?P K O= K Ab EQ @ t EEw AK
OPQ E=R? S =@ E=i P E\ Kp AK OPQ E=R? S EFyA E=i.
BR A]K X[E Y ? W=>X EFRw AK OPQ E=R? S =@ E=i A X[E Y KnAW=>X YP?: N K\ lKb E=i uA EFyA E=i O= r= E=R? S W WnA @ AK|?
EK=i? Yy l=>X Y@E AaP K\ lK= Ab EQ @ t EKyA K= O=A @ AK|? K\
KP l^ EK?E K= Oh AK OPQ E=R? S =@ E=i A EK K_A E] AP. D K
KnA W=>X l> EFR R A FqE K=x? K\ lKb X X\ O= AK OPQ E=R? S
=@ E=i. Cs K K\ \ EKPX =P O\ K]E W[ \Q EKJ Wx? A A@A Ap
AKi l=>X Y@E E Sh FqE AKE AK.
Cho v! t"#u d$ng t,c t"* yD",zct Con:uz, Lon{CK OPQ E=R? S EFyA E=i t\ A@A lKk AK OPQ E=R? S EF W
K\ EFyA E=i E=i uA O\ AK lK@AK K\ OPQ A K EFyA E=i EK? n Ed r=
OPQ. TF AK OPQ E=R? S EFyA E=i K\ A EK> E Sh WnA YZ EFr AaP
K O=R E Sh. NK r= \Q EKr WnA W\ E] AK?QR Xb O\ A K=x?
l=K K=X EF tK OyA AK OPQ AK R A@A ?QiE W|K AK OPQ EFyA E=i AaP
K\ EKr A AKqE tn AP Kp Y O= EFr Kn AK WnA ?QiE W|K
Z= K Ab EQ @ t KA K O=R E Sh AaP Ab EQ @ t. N\= FPw EF
K]E W[ AaP XJK K O=R E Sh K\ A u? K AK EFz Wi O=A
E] FP A@A lKk AK OPQ A AKqE tn EE EF lK= K O=R AaP Ab EQ @ t
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EKr AK EFz Wi O=A @ AK WnA K=x? K\. BR A]K Ww E]= A@A W=>X @
K\w A@A ?QiE W|K AK OPQ EKr WnA Aq FP X[E A@AK lKb AKK W@. Hp
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E Sh W= O= lK@AK K\ EE AaP XJK. Ni? r= Aq E Sh t\ K\w W=x?
\Q A EK> WnA K] AKi. CK OPQ E=R? S EFyA E=i A ? W=>X t\ t=K K]E Kp AKOPQ E=R? S =@ E=i. K= lK@AK K\ A ?P K EFyA E=i O= K\w A FqE
K=x? tn= EKi A EK> K@E Y=Kw A lKk o t\X EKP X ?Qx tn= AK Ak KP= KP
lK@AK K\ t K\.
Cho v! thzo c+c *h6ng th[c 7h+cw
T? EK` K? A? AaP lK@AK K\ O\ EKyA Ei K@E Y=Kw A@A NHTM Y u`X uE
O\ AK OPQ EK` A@A Kp EK_A lK@A K Kn O= WA W=>X K]E W[ EF Ed
EKr= l O\ lKb EF@= O= ?Q W|K AaP K@ t?E.1.2.%. R" t,~ c? cho v! t"#u d$ng X;" v'" nn 7"nh t
1.2.%.1. R" t,~ c? cho v! t"#u d$ng X;" v'" 7h+ch hng.
TFA KiE t\ W= O= r= E=R? Sw WocA =RcE t\ K r= A EK? Kc
EF? JK EKqw EKb ?P K=Rc Oh E Sh E=R? S Y = AK Kz A lKk o
X?P YX K K\ K@ A EK=iE A =@ EF| APw EKk X K? A? E=R? S O\ Ak=
EK=Rc Wr= Y.
TFR EKyA Ei EKqQ F A K=x? K? A? XP EK Ey K=Rw EK=iE Qi?w A ~
KP ?P EFz EF A?bcA Y W= O= A@A A@ K O\ Kbc=P WJK. NK K?
A? \Q lKb YX EKJ X?bc r= E=R? S A Kk= WnA EKk X. V Sh K
K? A? Ox X?P YXw YgP AKP K\ AgPw X?P A@A Wv S E=Rc K= Y=K K]Ew X?P
YX A@A Kp E=Rc K u` X@Qw b Ebw AK? | Kb tw XP AKPQw S? t|AKw KzA K\K...
T?Q F K K? A? EK=iE Qi? EKJ K=x? K Ak= EK=Rc EKJ WnA EAK t?^
EK` EKr= =P S OcQ lKk o E\= AKK EKr | == K]. VJ OcQ X\ t\X kQ Y=K
XbcE Yy EKcE t\ r= EP EKr X?P YX K\ AgPw E=Rc K= Y=K K]Ew... lK= t E?m=.K= W tn= AK AkX Kc WnA Yy KZ EKh Wx? A u? K =kX u?. D W
r= E=R? S Y EJX A@AK W> K= Kn lK t =P O=RcA EKk X A@A K? A?
O= Qi? E EKr= =P O\ lKk o EKPK E@ AaP K=Rc E]= O\ Ep tP=. =x? \Q A
KP t\ r= E=R? S Y EJX A@AK W> KZ EKh EFA Y E=x Y A EF Ep tP=.
Ni? K EAK EK` lKP A]K E\= AKKw O=RcA Xn E=x EFA AaP N K\ W> E=R?
S lK=i AK EP Kk= EFk t= EKyA AKqE A AK t\ A@AK ?Q Wm= t?v E=x X\ EP
Y A E]= XbcE EKr= W=>X \ W EF Ep tP= Ox EKr= W=>X K=Rc E]=.
1.2.%.2. R" t,~ c? cho v! t"#u d$ng X;" v'" ngn hng th6ng ".
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V= K]E Wbc AKa Qi? t\ Kc E=x g= EF@AK K=RcX K\ EFk O\ Yg Sh E=x
W W> AK OPQ l=iX tr=w A@A NHTM A tyA K?Q Wbc Ow R A]K W Kk= lKP=
EK@A EK| EFr E Sh XbcE A@AK EF=RcE W>w KP t\ EJX A@AK W> WkX k lKk o
W@ _ O\ EFR Ap YZ W EKk X EE KqEw K=x? KqE A@A K? A? Ox AK OPQ AaP
x l=K Ei. VJ OcQw Y t\ YP= tX O\ EK=i? YE i? ?P EK| EFr AK OPQ E=R?S X\ E]= W ?Q Xb AaP XbcE Y K? A? K K Y tn K? A? Ox AK OPQ
uE EK` tn lK@AK K\ E=xX o O\ EK` Yy WP S] AaP K? A? E=R? S t]= Ob
A t. D Ww \Q PQ A@A N K\ EKp X]= t?b ?P EX O\ AK EFz
K@E EF=> t]= KJK AK OPQ \Q.
BR A]K Ww EFR EKyA Ei Fa= F W= O= AK OPQ E=R? S EKr FqE Kw O\
O=RcA AK OPQ A@ K Y O= AK OPQ W= O= lK@AK K\ t\ SPK K=Rc Wp =k
K=x?. TF lK= Ww ?v EK? AaP N K\ EKb ?P K]E Wbc AK OPQ E=R?
S \Q t\ W@ l> S t= Y?qE E Sh E=R? S Kq Sw WocA =RcE t\ t= Y?qE EKyA
AK OPQ EFk FqE APw W=x? \Q lK=i AK K]E Wbc AK OPQ E=R? S AK=iX E
EFz lKb K EF Ap Aq? tn= K?c AaP N K\. D OcQ O=RcA XZ Fbc K]E
Wbc AK OPQ E=R? S AK A@A A@ K O\ Kbc=P WJK t\ XbcE K l=K Ei A EF=>
Oz O\ P E\ AK N K\.
Hp Pw u? K K]E Wbc AaP A@A NHTM t\ K@E EF=> WP o Em Knw
t?b EJX A@AK XZ Fbc A@A K=Rc Oh A K WP FP A@A Yk KX X=. V=RcA EKyA
K=Rc O\ K@E EF=> K]E Wbc AK OPQ E=R? S OdP XZ Fbc WnA lK@AK K\ AKOPQw Ec Sh WnA ?v O K?Q Wbc XbcE A@AK K=Rc? ?kw OdP WP S] K@ A@A
Yk KXw S|AK Oh N K\. Td W N K\ Eo WnA Y_A X]K EF A]K
EFPK Wv EKr= E] WnA K E WocA EF Kq S F=R.
1.2.%.%. R" t,~ c? cho v! t"#u d$ng X;" v'" nn 7"nh t X=t n6'c.
4y Y? EA AaP XbcE x l=K Ei WnA EK> K=Rc FqE F ?P X_A A? Ox K\
K@ E=R? S AaP S Aw AKK t\ Y tn O\ X_A WbcAaP A@A K? A? A lKk o
EKPK E@ Ox A@A XocE K\ E=R? S lK@A KP?. CK R XbcE =k= K@ t\X Eo Ytn K? A? A lKk o EKPK E@ Y A XbcE Ws kQ K? K=Rc? W> lAK A?w Ed W
E@A Wbc EAK AyA Wi K=x? tK OyA l=K Ei ( u Kbc=.
V=RcA XZ Fbc K]E Wbc AK OPQ E=R? S A EK> K W@ l> EF
AKK Y@AK lAK A? AaP NK\ Aw A = NK\ A W]E WnA K XhA E=R?
l=K Ei ( u Kbc= KqE W|Kw AK K] K Eo X_A Y AK S Aw EKA WQ ?@
EFJK Yk u?qE l=K SPKw Eo GD KPQ Eo EK? Kc JK ? W? r=...
= O= Yk u?qE l=K SPKw Yy K@E EF=> AaP AK OPQ E=R? S Wv KPO= O=RcA Eo EFZ AaP A?w E_A t\ Y_A X?P AaP r= S Eo tRw Ed W E] R
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Yy Yb= Wbc AK EK| EFr K\ K@ E=R? Sw E] ?v Y AK lK? OyA Yk u?qE
EF Aw o tyA Yk u?qE AaP ?A =P Y WnA Ak= EK=Rc F FRcEw Wv EKr= E]
Y_A KE AK W? E A \=. C ?P Ww NK\ A W]E WnA XhA E=R? l=K Ei (
u Kbc= t\ =k= ?QiE Ab o O=RcA t\Xw Eo EK? Kc AK r= tP Wbcw =kX EKqE
K=Rcw =kX ERc] u Kbc=.1.2./. Ch=t l6>ng cho v! t"#u d$ng
1.2./.1. \h+" n"( ch=t l6>ng cho v! t"#u d$ng
CKqE tn AK OPQ E=R? S t\ X[E lK@= =X lK@ EFd? Enw E? EK` XhA
WAK K=R A_? O\ E? EK` K ?P W=>X lK@A KP? X\ A K lK@= =X
lK@A KP? Ox AKqE tn AK OPQ E=R? S. T?Q K=Rw EF K]X O= K=R A_? AaP
Wx E\=w AKqE tn AK OPQ E=R? S E]= NHTM E]X K=>? t\ AKqE tn AaP A@A lKk
AK OPQ E=R? S AaP NHTM. C@A lKk AK OPQ E=R? S A AKqE tn lK= OOPQ WnA lK@AK K\ Yg Sh K=? ?kw W XhA WAKw EKb ?P W K\ EK?
Kv= WnA A O\ t=w As lK@AK K\ A EK> EFk WnA nw W AK= K O\ EKk X
K? A?. =x? \Q A KP t\ K\ OdP E] FP K=? ?k l=K Ei t]= E] WnA K=?
?k u K[=.
1.2./.2. C+c ch t"#u X+nh g"+ ch=t l6>ng cho v! t"#u d$ng t" ngn hng
th6ng "
V=A W@K =@ AKqE tn AK OPQ EF K\ t\ Qi? E AKa ?Pw Z= OJAKqE tn AK OPQ A EK> EE Z EKr= W=>X K EAK K YP? t]= A EK> uq? W=.
Ch" t"#u X5nh tnh
> u`X uE WnA AKqE tn AK OPQ E=R? S AaP X[E K\ A EE
lKb EP A EK> Ao A_ O\ X[E Y AK E=R? W|K EK K YP?:
4 tn lK@AK K\ Wi OPQ E]= K\: CKqE tn AK OPQ AaP
K\ A EE EKJ X= A K=x? r= Wi O= K\. Kk o W@ _ K?
A? AaP lK@AK K\ KPK O\ WQ Wa.
UQ E AaP K\ t\ AK E=R? ?P EFzw kK KZ Wi K]E
W[ l=K SPK AaP K\ = AK? O\ K]E W[ AK OPQ E=R? S = F=R.
N K\ Ev E]= WnA AKK t\ Kr O\ Yy E= AQ AaP lK@AK K\ O= K\.
TKa EhA E? EK` W ?Q W|Kw ?Q AKi AK OPQ E=R? S AaP
K\ WnA A@ [ E Sh t\X KPK AK AKK u@Aw P E\ A K t\X
Eo AKqE tn K]E W[ AK OPQ E=R? S AaP K\.
Ch t"#u X5nh l6>ng
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t,ong 7 D6 n> bnh un
Q t\ AK E=R? ?P EFz u`X uE AKqE tn AK OPQ E=R? S AaP
K\w K Y \Q Kk @K Y Os AK? AK?Q> AaP O E Sh. Vs ?PQ AaP O
E Sh A\ AP A\ AK_ E ?v OPQ K\ t? AK?Q> A\ KPKw
EKPX =P A\ K=x? O\ AK? l Yk u?qE O\ t? EKb K\ K@. H Y \Q A\ Eo
EKJ A\ AK EKqQ EJK KJK ?k t~ O E Sh EEw AKqE tn AK OPQ AP. BR
A]K Ww As EK> K= lKk o EK? n EEw K=? ?k AK OPQ AaP K\. CKK
OJ EKiw X[E Wv O lK= AK OPQ WnA K=x? t Y W`X t]= K=x? tn= K? Kp. T?Q
K=Rw A uE Wi X[E K E ?P EFz t\ S n JK ?. K= S n JK ?
EKq Y t\X AK Os ?PQ t K t]= lKb Kk @K AKqE tn lKk AK OPQ
t\ AP r= EK> K= lKk o AK OPQ lX AaP K\. u+ hn N> u+ hn 0ng d6 n>
7hx X~" N> 7hx X~" N> u+ hn
Ck KP= AK E=R? \Q Wx? = K\ ?k t~ Fa= F A@A lKk AK OPQ O\
Wx? A\ K A\ EE. T?Q K=R Yy lK@A =E =P KP= E t \Q t\ E t n ?@ K]AK u`X uE Wi =@ EF| AaP lKk n ?@ K]w EF lK= W E t n lK Ws= u`X uE
=@ EF| A@A lKk n lK Ws= EF n ?@ K].
HP= AK E=R? \Q Wx? AK|? kK KZ AaP AKK Y@AK u@ n AaP K\.
M[E K\ A AKK Y@AK EE Kk= EK=iE t WnA ?^ Sy Ks Fa= F Wa X]K O\
EKb @ W|K l Ox K X OPQ lKb A lKk o EK? Kv= ?@ t O\ t\X
=kX E\= Yk AaP K\ X[E A@AK K=RX EFz. T?Q K=Rw i? K K\
EKyA K= u@ n ?@ KPK EKJ KP= E t \Q S Z X_A FqE EKq A lKb A ~KP EKyA E=.
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@( :; thu n> Donh :; thu n> CR0D Donh :; CR0D
TF W SPK Y AK OPQ t\ AK E=R? Kk @K EqE Ak A@A lKk AK OPQ X\
K\ W K@E FP AK OPQ EF X[E EKr= =P \ Ww lKb l> X OPQ W W
EK? Kv= Ox KPQ AKP. Kk @K S? tn K]E W[ AK OPQ EF l. DPK Y AK
OPQ E=R? S A\ AP EKJ ?Q Xb AK OPQ A\ t.
H` E thu ESi t ho,t &/ng cho vay tiu *ng
0 l( thu l" CR0D 0hu l" CR0D 0ng thu l"
CK E=R? \Q Kk @K X_A EK? K X\ CVTD W`X t]= AK K\ Y O=
A@A lKk AK OPQ lK@A. =x? \Q A W@K =@ WnA X_A Kq S AaP CVTD Y
O= A@A t]= OPQ lK@A. N\= FPw E t \Q As = K\ uQ Wy W|K K
K@E EF=> K]E W[ CVTD E]= K\.
H` E () *%ng vn (ai m%c &'ch
0 l( :j dng v;n :" c Xch R;n :j dng :" c Xch D6 n> CR0D
C K=x? EFr Kn lK@AK K\ S Y E=x OPQ E=R? S W> Yg Sh O\
XhA WAK lK@A. CK E=R? \Q AK AK EP =iE WnA lKk AK OPQ E=R? S X\
K\ W A? Aq AK lK@AK K\ | Yg Sh YP= XhA WAK AK=iX E t t\ P
K=R? EF S n AK OPQ E=R? S. Td Ww AK EP EKqQ WnA lKk o ?k t~
AaP K\ W= O= lKk AK OPQ. T?Q K=R EF EKyA Ei W> l=>X Y@E O\ K@EK= FP K lKk AK OPQ E=R? S lKb W XhA WAK Yg Sh lKb Kk= t\
W=x? S S\ OJ Y tn lK@AK K\ EKJ K=x? X\ Y tn CBTD t]= A K].
1.2./.%. C+c nhn t; nh h6ng Xn v"(c nng co ch=t l6>ng cho v! t"#u d$ng
c? ngn hng th6ng "
NhXm nh!n t thu;c v =Jn th!n ng!n hng
Y1ZOPnh hng Bht ti&n c(a ng!n hngOt\ W=x? l= E=R ?QiE W> K@E
EF=> K]E W[ AK OPQ E=R? S. Ni? EF li K]AK K@E EF=> AaP XJK A@A K\ lKb ?P EX Wi K]E W[ \Q EKJ A@A lK@AK K\ A K? A? Ox AK OPQ
E=R? S A Y lKb WnA ?P EX. NnA t]=w i? K\ X? K@E EF=>
K]E W[ AK OPQ E=R? S EKJ Kz Y WP FP K AK=i tnA Ah EK> W> EK? KE
K r= A K? A? Wi O= XJK. V\ lK= W A? A? Y A W=x? l= EK? tn=
W> KP? A A KP t\ AK OPQ E=R? S Y A K=x? Ap K[= K@E EF=>.
Y2Z N[ng "Mc ti ch'nh c(a ng!n hng$ Y t\ X[E EF K Qi? E WnA
A@A K\ tK W] K\ u`X uE lK= WP FP A@A ?QiE W|K EF W A A@A ?QiEW|K Ox K]E W[ AK OPQ E=R? S. No tyA E\= AKK AaP K\ WnA u@A
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W|K SyP EFR X[E Y Qi? E K Y tn O AKa YZ K?w E t K EFoX tn= K?
oX YP? Y O= oX EFAw E EFz n ?@ K] EF Em S nw Y tn E\= Yk
EKPK lKk. Ni? K\ A O AKa YZ K? tw E t K EFoX tn= K? tw
n ?@ K] EKq O\ A Y tn E\= Yk EKPK lKk tw lKk o K?Q W[ O t
EF EKr= =P EKJ A EK> A= t\ A Y_A X]K Ox E\= AKK. K= K\ A Y_AX]K E\= AKK t EKJ K\ A EK> W? E O\ A@A SPK XhA X\ K\
?P EX Kp EKJ K]E W[ AK OPQ E=R? S A Ap K[= K@E EF=>w K nA t]=w
i? K\ lKb A WnA Y O A EK=iE W> E\= EFn AK AK A@A K]E W[ WnA
? E=R Kp EKJ K]E W[ AK OPQ E=R? S Y E A Ap K[= W> XZ F[.
Y3Z +h'nh E\= EFn AK A@A SPK K=w K[ =P WJK O\ A@ K.TKb EKr AKK Y@AK AK OPQ A A@A lKk XhA YP?: K] X_A AK OPQw A@A t]=
KJK AK OPQ X\ K\ EKyA K=w ?Q W|K Ox E\= Yk WkX kw l K] AaP A@A
lKk AK OPQw K =k= ?QiE K AK OPQ OnE ?@ K] X_A AK OPQw A@AK EK_A
EKPK E@ nw CKK Y@AK AK OPQ O]AK FP AK A@A A@ [ E Sh K W= O\
lK? EKPX AK=i? F F\ Ox K Ao A_ W> u`X uE A@A K? A? OPQ O. VJ OQw
K Qi? E EF AKK Y@AK AK OPQ Wx? E@A W[ X[E A@AK X]K X E= O=A XZ
F[ AK OPQ = AK? O\ AK K]E W[ AK OPQ E=R? S = F=R. Ni? K A
K KJK EK_A AK OPQ E=R? S lKb X EF AKK Y@AK AK OPQ AaP
K\ EKJ AKA AK A@A lK@AK K\ AK EK> X Wn= OPQ WnA K lKk E=x
Ed K\ W> E\= EFn AK K? A? AK= E=R? AaP XJK. CK K] K X[E K\
lKb EKyA K= AK OPQ EK` EK E Sh EKJ lK@AK K\ S A Wa W=x? l= A
lKb WnA Aq E Sh. ME lK@A lK= X[E K\ W Y A A@A KJK EK_A AK
OPQ E=R? S WP S] O= AKqE tn EE EKJ O=A XZ F[ A S S\ O\ EK? tn=
Kp t\ A@A K\ X= AK A A@A Yk KX Wp =k. D EK AKqE A]K EFPK =P
A@A K\ \Q A\ PQ E EKJ X[E AKK Y@AK AK OPQ W W Kn t~ t\ Qi?
E EK? KE lK@AK K\ K=? ?k. N K\ A\ WP S] K@ A@A X_A t= Y?qE K
Kn O= Ed t]= lK@AK K\w Ed l K] AK OPQ O\ A@AK ug t~ W W A@A lKk
n AaP lK@AK K\w A AKK Y@AK Yk KX Kq S EKJ A\ EK? KE WnA lK@AK
K\ Wi O= K\w Ed W EKyA K= EK\K Ab O=A XZ F[ AK OPQ E=R? S.
Y5Z R "ng$ t,nh ; c\ng nh #o -c ngh nghiB c(a cc cn =; t'n)Lngw A kK KZ lKb K E= K]E W[ AK OPQ E=R? S AaP A@A K\
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lK= A A@A Ab K K= W]= K EFn EKJ O=A =k= ?QiE A@A EKa EhA AaP K\
WnA KPK AKw AKK u@Aw =kX E A@A EKa EhA FrX F\ AK lK@AK K\.
NhXm nh!n t thu;c v khch hngY1Z N[ng "Mc vay vn c(a khch hngw WnA EK> K= EKb ?P A@A K E
K EK? K AaP lK@AK K\w EFJK W[ Oo K@w EK= ?`w W] W_A AaP lK@AK K\.
TK? K AaP lK@AK K\ OPQ E=R? S ?QiE W|K Wi K? A? OPQ E=R? S AaP Kz
O\ ?QiE W|K O=A A AK OPQ KPQ lKb AaP K\. BZ= OJw K\ lK= AK
OPQ E=R? S Y Ao A_ O\ X_A EK? K EF Ep tP= AaP lK@AK K\w W t\
?v EKPK E@ lKk n W. D Ww EK? K A kK KZ FqE t Wi K? A? OPQ
E=R? S AaP lK@AK K\w Wi ?Q Xb AaP lKk OPQ O\ Wi O=A K@E EF=> AK OPQ
E=R? S AaP K\. K@AK K\ OPQ A A EK? K m W|K W> WkX k lKk
o EFk n AK K\ O\ WA =E t\ A A EK= AK EFk n W K] O\ WQ Wa.
Ni? K lK@AK K\ t\ r= A W] W_A EEw A ~ EK_A EFk n EKJ Fa= F AK OPQ E=R?
S EKqw E] W=x? l= lAK EKAK K\ E=i K\K XZ F[ K]E W[ AK OPQ
E=R? S O\ A@A ?Q W|K AK OPQ Y lKb ?@ lKE lK`. NnA t]= i? lK@AK K\
EFk n lKb Wx?w n ?@ K] K=x? EKJ EqE Qi? Y lJX KX K]E W[ AK OPQ E=R?
S.
Y2Z KhJ n[ng B -ng cc iu kin khi vay c(a khch hngw A KP t\
lK@AK K\ t=? A W@ _ WnA A@A W=x? l= ?Q W|K AaP K\ KPQ lKb.
C@A W=x? l= K t\ E\= Yk WkX k A K A@A =qQ Er AK_ X=K ?Qx YZ K?
O\ Yg Sh Kn K@ E\= Yk
NhXm nh!n t thu;c v mAi t]ng ho#t ;ng c(a ng!n hng
b HRnh t4,ng kinh tD v mT
4y m W|K l=K Ei O Xb Y E] Ap K[= XZ F[ AK OPQ E=R? S X[E A@AK
K=? ?k. =K Ei O Xb m W|Kw WA =E t\ m W|K E=x E O= A@A AK E=R? =@ Akw t=
Y?qEw E =@w t]X K@E Y t\X QR EX W|K AKi E\= AKK AK OPQ Ow A@A W= En
OPQ O A EKRX O=A t\Xw Eo EK? Kw = Kz QR EX Ox Yy m W|K EF EK?
K A K Yy m W|K AaP AK= K W= OPQw AK= K X?P YXw YgP AKP K\ AgPw O\
A@A K\ KPw S|AK Oh lK@Aw S W t\X Eo A@A lKk OPQ AaP Kzw Wv EKr= E] W=x?
l= S?Q EFJ O\ K@E EF=> x O ?P K KP= AK=x? OPQ O O\ EFk n.
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NnA t]=w lK= l=K Ei lKa Kk KA W=x? l= K@E EF=> AKX AK]w KPQ
l=K Ei O Xb qE m W|K X[E XE Y E@A W[ Q K] AKi Aq E Sh E=R? S AaP
A@A EF? =P E\= AKK. C@A lKk AK OPQ AK|? E@A W[ AaP K =i W[ EFR
EK| EFr E\= AKK qE m A EK> S E= Wm O. NK EKPQ Wm= EAK AyA EF l=K Ei
O Xb S= FP ?@ KPK A Q FP K u@ EF[ KqE W|K. CK K] E t t]XK@E O\ t= Y?qE =kX ?@ KPK A A EK> S E= EJK EF] O n W= O= A@A X
OPQ O= t= Y?qE SyP O\ E t t]X K@E AP EFA W. T =@ K= W@= lX t=K K]Ew
lKb Kk @K WnA Yy =i W[ AaP l=K Ei O Xbw t\X X X K E K=?
=@ Ak R \= A kK KZ EFyA E=i Wi EK? K AaP lK@AK K\ O\ Em AK_A
E Sh. ME lK@Aw l=K Ei O Xb K@E EF=> AK AK]X KPQ qE m A lK=i EK?
K EF Ep tP= AaP r= E=R? S EFZ R q RKw A@A AK= K =i W[w
lK l=>X Y@Ew S W r= E=R? S Kk= =kX A@A lKk OPQ AaP Kz.
b uan &i$m thOc &Zy Enh v!c tiu *ng t4ong nBc c#a
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EK= ?` X?P YX Y t\ X[E EK| EFr FqE t W> XZ F[ AK OPQ E=R? S. C@A
?P =X Ox K\ ?` EK?[A KPQ uP t]w P E\ KPQ lKb P E\w EK= ?`
EKPK E@ E=x XE EF S A A t\ K Qi? E A E@A W[ FqE t Wi A@A
S|AK Oh X\ K\ A? Aqw EF W A K]E W[ AK OPQ E=R? S.
1.2././. un t,5 ,?" ,o t,ong hot Xqng cho v! t"#u d$ng t" c+c N@0M
^(i o tong ho#t ;ng cho vay tiu )*ng
H? KiE A@A lKk AK OPQ E=R? S t\ A@A lKk OPQ EF? O\ S\= K]w EKr=
K] Ed 1e ( )e oXw EKX AK 2e oXw R A EK> A FqE K=x? Fa= F A EK> K@E Y=K.
( f#i 4o m8t kh5 n=ng thanh ton c#a ng+i &i vay>D A@A lKk AK OPQ
E=R? S A EKr= K] S\= R lKk o EFk n Kh EK?[A FqE K=x? O\ EJK EF] Y_A
lKw =P WJK O\ Ab O=A AaP r= W= OPQ. NK Fa= F A EK> ukQ FP EFEFr Kn \Q P vX:
Nr= W= OPQ | AKiE KA | EP= ] S Wi XqE lKk o tP W[w
K\ E\ lKb A lKk o EFk X n As t]= AK K\
Nr= OPQ | EP= ]w =kX lKk o tP W[ KA EKPQ Wm= O| EF Ab
E@A S Wi =kX YE EK? K lKb EKyA K= WnA WQ Wa KP Oh EFk n.
(f#i 4o *o khch h"ng gian Een>D lK@AK K\ OPQ E=R? S t\ A@A A@ K
R A@A K\ FqE K=x? lK lKo EF O=A X E EKb E= Ox lK@AKK\. Ln= Sh W=x? \Q lK@AK K\ A EK> A EJK =P t W> AK=iX W]E E=x OPQ
S Wi Fa= F lKb EK? Kv= WnA O AK K\.
N\= FPw = K K lKk AK OPQ EKp X]= lK@Aw A@A lKk AK
OPQ E=R? S A Kk= AK|? K Fa= F Ox t= Y?qE O\ E =@. D EKr= K] AK OPQ
S\= R t= Y?qE EFR EK| EFr A EK> A K =i W[ t EF Y?E ?@ EFJK
AK OPQ O. Ni? @ Sh X[E X_A t= Y?qE A W|K EF Y?E EKr= K] AK OPQ EKJ
lK= t= Y?qE EFR EK| EFr Eow K\ A EK> Y Kk= AK|? Fa= F OJ AK OPQ O=t= Y?qE ?@ EKq. NnA t]= i? t= Y?qE EFR EK| EFr =kXw K lKk AK OPQ
AaP K\ O= t= Y?qE AP Kp Y lKb As Kq S WnA r= W= OPQw kK
KZ Wi lKk o A]K EFPK AaP A@A K\.
HuJn tP (i o tong ho#t ;ng cho vay tiu )*ng
H]E W[ AK OPQ E=R? S AaP K\ t=R ?P Wi Y tn t lK@AK
K\. M= r= OPQ A Y tn OPQ Ep W= K O\ A@A K\ A ug t~ FqE
K=x? K lKk OPQ \Q W> E] FP Y S t EF K]E W[ AK OPQ E=R? SlKb A E\= Yk WkX k. V= Y tn lK@AK K\ t K OQw A@A K\ ?k t~
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K\ A Kk= EKyA K= K = K@ l=>X Y@Ew ?k t~ Fa= F K=? ?k W=
O= ?@ EFJK Aq E Sh E=R? S.
}?k EF| Fa= F EF AK OPQ E=R? S WnA K=>? t\ X[E AK=i tnA ?k t~
SPK XhA AK OPQ EF W WkX k Yy A W= =P k E\ O O\ E= ? KP O=A
Yg Sh ?v O. HPQ = A@AK lK@Aw ?k EF| Fa= F EF K]E W[ AK OPQ E=R?
S t\ X[E ?@ EFJK t=R EhA K FP O\ X E K Ap K[= AK OPQ EKAK Kn O\
EF@K K Fa= F W> E= WP KP tn= K? AK K\. TF ?k EF| Fa= F W= O=
K]E W[ AK OPQ E=R? Sw O=A X E EKb E= Ox lK@AK K\ O\ ?k t~ EKb
E= X[E A@AK EK KqE t\ K Qi? E EK` AKE = AK O=A ?k t~ SPK XhA AK
OPQ W]E K=? ?k AP. MA S WQ t\ X[E ?QR EA lK@ F F\ K O=A EKyA EK=
?QR EA W As lK@ K=x? lK lKo.}?k EF| Fa= F AK OPQ E=R? S P vX K [= S? AKa Qi? YP? WQ:
b \hCn t'ch cho vay tiu *ng
H? KiE A@A K\ O= Y tn t lK@AK K\ u= OPQ E=R? S EKr
m Y? AK O=A K EAK E Sh AaP Kz K EK AK W=>X E Sh EK lR.
H EK K EAK Ey W[ \Q t\ Kp E= W> W@K =@ Wx K| OPQ Yg Sh X?
AK W=>X t=E lR K WA W=>X AaP Wx K| OPQ K X_A EK? Kw EKr= =P t\X
O=Aw ?Qx YZ K? K\ Zw O\ K KJK EK_A AK OPQ W A EFA WQ O= K
r= @ t KA K r= AK OPQ lK@A. x K| OPQ WnA AK W=>X EK` X=
WA W=>X O\ Em Y W=>X AK EP EKqQ t=? r= Wx K| OPQ A Wa E=R? AK? OPQ KPQ
lKb. Kk o WnA AKq K Y WnA Sy @ SyP EFR Ap YZ S t=? AaP
K\ Ox K lK@AK K\ A K WA W=>X Ep Ey O\ Ox O=A EKPK E@ A@A
lKk OPQ EFA WQ W= O= K\ AaP r= u= OPQ W.
CK W=>X E Sh EKr E WnA Yg Sh K X[E E=R? AK S?Q KqE W EKyAK= A@A lKk AK OPQ E=R? S. NK Qi? E lK@A K lKk o EKPK E@ nw
W=x? l= l=K Ei K= E]= O\ K QR? A? Ox EKi AKqw Kk= W@ _ WnA K E=R?
AK? Ox k WkX P E\ AaP K\. NK EKb E= lK@AK ?P ( K Ox A@
K O\ KJK EK_A x \= AaP lK@AK K\w E=xX o Ox X[E X= ?P K A tn=
EF Ep tP=w O\ K Qi? E lKb EK> W|K tn lK@A ( Y = AK ?@ EFJK
K EAK E Sh A =@ EF| EKyA Ei Kp. K EAK E Sh t\ X[E ?@ EFJK Kr W Ak
K Qi? E AKa ?P K K Qi? E A EK> W|K tn WnA W@K =@ Wv EKr=.
MhA WAK AaP ?@ EFJK \Q t\ =kX EK=>? Fa= Fw Em EKqE AK OPQ O\ K lKk AK
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OPQ lK Ws=. C@A A EF ?@ EFJK K EAK E Sh E=R? S WnA t=E lR EF
k S= WQ:
_i&u 1W +c =c tong @u t,nh Bh!n t'ch t'n )Lng tiu )*ng
1. @A W|K XhA WAK Yg Sh lKk OPQ
O\ Y E=x OPQ
2. =>X EFP O\ u@A X=K EKb E=
). TK? EK EKb E=:
P. CK OPQ E=R? S
. B@ A@ E\= AKK A@ K
A. TK? K EK EK?i
B@ A@ E\= AKK K]E W[ l=K SPK
. K EAK
P. B@ A@ E\= AKK
. L? AK?Q> E=x XE
f. @K =@ E\= Yk k WkXw i? A EK=iE
j. @K =@ O\ Ap Aq? lKk AK OPQ
7. TKp tn O= r= u= OPQ
Kp K@ K EK W=>X Y 4AF` 4QYE`X:
H]E W[ AK OPQ E=R? S EFyA E=i AaP K\ t=R ?P Wi X[E Y
tn FqE Wb A@A lK@AK K\. M= lK@AK K\ EKr OPQ X[E Y E=x K KpK=x? Y O= EF tK OyA Yk u?qE l=K SPK. M? A X[E X_A S n t EF
K]E W[ AK OPQ E=R? Sw A@A K\ Kk= EKyA K= X[E Y tn A@A Kn
Wv AK OPQ q K=x? t Y O= AK OPQ EF A@A tK OyA = EFR. K= Y tn
lK@AK K\ t EKJ QR? A? Ox X[E Ap AKi l=>X Y@E P E\ O\ K=? ?k W= O= O=A
FP ?QiE W|K AK OPQ t\ KiE Y_A A EK=iE. TF K EFr Kn K OQ
K\ EKr Yg Sh X[E Kp K@ K EFn FqE WA tyA W> FP ?QiE W|K AK OPQw
W t\ K EK W=>X Y. H EK W=>X Y t\ X[E E Kn A@A E=R? EK_A lK@A KP? t=R
?P Wi Ed lK@AK K\ OPQ E=R? S. M= E=R? EK_A A X[E W=>X Y lK@A KP?E? EK` EJK EF] AaP E=R? EK_A \Q O\ EX ?P EFz AaP EF K EK A@A
E=R? EK_Aw SyP EFR Ap YZ A@A liE ?k EK lR EF t|AK Yg.
TFR EKyA Eiw X[E K EK W=>X Y EKr A FqE K=x? Qi? Ew WnA uQ Sy
SyP EFR ?QR EA = EFR. TKb EKr EF X[E K EK W=>X Yw A lKk 7
Wi 1) Qi? E lK@A KP? WnA u`X uE P vX: EKr= =P t\X Ab O=A K= E]=
EJK EF] =P WJK A =P WJKw W[A EK KPQ W tQ Kb W[ E?m= KJK EK_A tP W[
A l^ o KPQ lKb EKr= K] A EF Y tn r= Y Kh EK?[A O\ r=OPQ t]= E\= Yk A E]= K\...
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_i&u 2W 8 thng i&m
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=>X AP KqE A EK> A W= O= X[E lK@AK K\ EK` K EK W=>X Y \Q t\
2 W=>X. Cs W=>X EKq KqE t\ ' W=>X.
Co A_ O\ Y t=? EK lR EF ?@ lK_ Ox lKk o Fa= F AaP A@A t]=
lK@AK K\ A W=>X Y = KP?w A@A K\ EKr WP FP K=x? X_A AK OPQ
E= WP lK@A KP? W= O= Ed lK@AK K\ A W=>X Y Z K KX W=>X Y lK@A
KP?. V Sh EF k YP? WQ t\ A@A X_A AK OPQ E= WP W= O= Ed lK@AK K\ A
W=>X Y lK@A KP? AaP K\ M^ = EFR:
_i&u 3W :-c cho vay ti a tho i&m
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O=A EK W=>X E Sh AK A@A lK@AK K\ AaP XJK. T?Q K=Rw EK@AK EK_A t KqE
K= PQw PQ Ak W= O= K K\ W= W? E EF tK OyA AK OPQ E=R? Sw
t\ tyP AKz O\ uQ Sy K Xb KJK EK W=>X E Sh K EKi \ W> @ Sh
W= O= K KX lK@AK K\ X=.
Kp K@ K EK W=>X Y EKr WnA Yg Sh m Y? O= Kp K@
K@ W@ S= WQ:
K EAK E Sh EK` Kp K@ K@ W@ ?S`X`E M`EKS t\ X[E
?@ EFJK EF W K\ E=i K\K K EAK O\ W@K =@ EqE Ak A@A EKb E= W|K
EK O\ W|K tn Ox lK@AK K\ KX XhA E=R? K] AKi A@A lKk AK OPQ A Fa= F
AP. D Kp K@ K EK W=>X Y EF AK OPQ E=R? S lKb Kk= t\
Kp K@ S?Q KqE WnA A@A K\ Yg Sh OJ A FqE K=x? Oq Wx lK@A X\ K\ A FqE ?P EX. NK Oq Wx W P vX lKk o EFk nw W=x? l=
l=K Ei K= E]=w k WkX \ A Kk= Aw Kk= E? EKa [= S? AaP AKK Y@AK AK
OPQ AaP K\. C@A EKb E= A EK AKa ?P Ox lK@AK K\ K EK@= W[w S=
X] AaP lK@AK K\w lKk o ?P K O= K\ EF Ep tP= A E@A Sh FqE
?P EFz EF O=A FP ?QiE W|K AaP K\.
TQ K\ X\ K EK A@A Qi? E WnA K EAK A EK> lK@A KP?w Km
=i KqE t\ K EK fC CKPFPAE`F ( E A@AK AaP r= W= OPQ CPPA=EQ ( lKk o
OPQ Xn AaP r= W= OPQ CPYK ( lKk o E] FP E=x W> EFk n K\
CttPE`FPt ( k WkX E Sh CS=E= ( W=x? l= Xb= EFr O\ K EK
C"M"+I CKPFPAE`F ( E A@AK AaP lK@AK K\ "=t=EQ ( o tyA AaP r= OPQ
MPF= ( t= AK OPQ ?FY` ( XhA WAK OPQ "X?E ( Y E=x +`PQX`E ( Yy K\
EFk IY?FPA` ( k WkX.
C FqE K=x? Kp K@ W> ?k EF| Fa= F EF K]E W[ AK OPQ E=R? S
EF W A X[E Y Kp K@ YP? WQ WnA K=x? K\ Yg Sh:
b c &Lnh giBi h,n cho vay
V=A u@A W|K == K] AK OPQ Y kK KZ EFyA E=i Wi X_A W[ Fa= F AaP
lKk OPQ YP? \Q. @A W|K == K] AK OPQ KX XhA WAK EF@K W> lK@AK K\ Fp=
O\ EJK EF] OPQ n ?@ K=x?. TK` W@K =@ AaP A@A W|K AKi E\= AKK AK?QR
K=w A 2 Sq? K=? W> K =iE lK@AK K\ WP OPQ n ?@ K=x?:
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4g Sh )f EK? K AaP XJK KA Kp W> EKPK E@ AK A@A lKk
AK OPQ E=R? S
4g Sh fe EK? K AaP XJK KA Kp W> EKPK E@ AK A@A lKk
OPQ X?P K\ EFk AKX O\ A@A lKk AK OPQ E=R? S lK@A
C Ed Kn Wv AK OPQ E=R? S EFZ tR E]= A X[E EKr= W=>X.
b u5n E *anh m%c cho vay
TF K]E W[ AK OPQ E=R? Sw SPK XhA A@A lK@AK K\ EKr t\ E
Kn K lKk OPQ Ep W= Wv KqE OJ A X[E XhA WAK t\ E=R? S OJ OQ
l^ EKE EK lR K EAK EKr u?QR WnA @ Sh O\ WA =E K? AK. C@A l^
EK?E K EAK \Q WnA @ Sh EF EqE Ak A@A Aw Ed K EAK EF@AK K=Xw uQ
Sy AK=i tnA =@ Akw ?QiE W|K =@ EF| AaP lKk OPQw Sy l=i A@A lKk tw AK=itnA ?k t~ SPK XhA AK OPQ O\ AK=i tnA EK? Kv= O. =x? ?P EFz KqE EF
l^ EK?E K EAK t\ EK? EK S t=? EF Y?E ?@ EFJK AK OPQ t\ ?k t~ X[E Ap YZ
S t=? Fa= F AK?.
NK=X Oh AaP O=A ?k t~ SPK XhA AK OPQ EF ?k EF| Fa= F W= O= AK
OPQ E=R? S t\ EF@K WnA K? ?k qE tn= S E EF? AK OPQ O\ K lK@AK
K\ A W[ Fa= F AP. C@A l^ EK?E Xb KJK Sy W@ EKr WnA @ Sh Z WQ.
TF K oX WQw A@A Ab Ah W> Ak= EK= O=A ?k EF| Fa= F EF
K]E W[ AK OPQ E=R? S W A K A E=i [ W@ l> Kr A@A K\ W=
W? E F tK OyA \Q W E EF? O\ O=A K@E EF=> K Ab Ah K EAK
K_A E]. NK E=i [ EF Ab K t? EF S t=? O\ K=? ?k AaP O=A Yg Sh
X@Q EK A W X[E OP= EFs ?P EFz EF O=A EKA WQ Yy K@E EF=> AaP A@A
Ab Ah ?k t~ Fa= F EF AK OPQ E=R? S. v EKr= A A FqE K=x? Ab EQ
O\ K=x? Ab W] EF tK OyA AK OPQ E=R? S @ Sh K Ab K X=\Qw WA =E t\ A@A Ab EQ O\ A@A K\ K@E K\K EK E Sh. NKJ AK?w Y
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S W K@E EF=> Kp K=x? O\ K]E W[ AK OPQ E=R? S W A X[E O| EF W@ l>
EF K]E W[ AK OPQ = AK?.
1.2.3. \"nh ngh"( cho v! t"#u d$ng c? c+c N@0M t" qt :; n6'c t,#n th
g"'" v b" hc X;" v'" c+c N@0M R"(t N
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@ot Xqng cho v! t"#u d$ng t" 0,ung u;c
D|AK Oh AK OPQ E=R? S A\ \Q A\ EFZ R Km =i O\ WnA lK?Qi
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W K EKqQ AK OPQ E=R? S AKK t\ Ep tP= AaP A@A NHTM O\ Kz Kk= E
EF? A@A ?v tyA AaP XJK K=x? Kp AK tK OyA \Q.
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S W? Ox K@E EF=> tK OyA \Q: O\ oX 1'''w EKr= K] AK OPQ A EKi AKq WnA
l S\= Ed )e oX tR 2e oX =@ EF| AaP lKk OPQ A WnA Ed X_A 7e tR
9e =@ EF| E\= Yk EKi AKq. v EKr=w Ed A?= oX 1'''w CCB E W? AKq EK?
A@A lKk AK OPQ S A@A A@ K W_ FP k tKw = QR? A? r= W= OPQ A
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E=R? S O\ K EK K\ Z TF? }?A R K? ?k AaP Oq Wx Fa= F AKP EK>
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OyA qE W[ Yk OPQ AKP EFk Y lKb WnA K AK=iX Kp 2e Em S n OPQ
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A@A K\ TF? }?A Ox S n E Sh. BR A]K EK E Shw Kz As Sy l=i
E=i K\K A@A K]E W[ EK?[A A@A tK OyA lK@A AaP E Sh E=R? S K EF=> lKP=
A@A lKk AK OPQ X?P K\ EFk AKX. C@A S|AK Oh \Q A FqE K=x? EF=> Oz S
tn S Y lKm tv AaP TF? }?A. TK` W@K =@ AaP A@A K\ K EAKw A@A K\ t AaP A \= Y lKb uQ Sy A@A AK= K@K EFR E\ ?A O\
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t O= A@A K]E W[ l=K SPK K\ lK@A.
@ot Xqng cho v! t"#u d$ng t" c+c N@0M Chu au
T]= AK? ?w AK OPQ E=R? S FP Wr= X?[ Kp A@A t]= KJK AK OPQ lK@A.
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1j i tng hRnh thc gi t4L v" th+i h,n c#a kho5n cho vay tiu *ng
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K\K AKK AK OPQ E=R? S EF K]X O= E\ [ A[ Wv. NK| W|K \Q t=R
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TqE Ak A@A A@ K A Wa o tyA K\K O= Wx? A lKk o WnA Aq E Sh
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Kx K=w AK XP EK AKqE EK? E?~ t\ E=R? S AK A@ K. T?Q EKiw W>
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V Shw E]= Bw EKb EKr A@A lKk AK OPQ E=R? S EKr WnA Aq AK
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= O= AK OPQ X?P b Ebw K\ "G @ Sh X_A AK OPQ Ed
1.fee U+ Wi 1ee =@ EF| E\= Yk X?Pw EF lKk EKr= =P Ed 1) EK@ je
EK@w O= t= Y?qE ew9efEK@.
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AaP lK@AK K\w k WkX AK?Q> E\ [ ?Qx tn= EK? K AaP PK EP O\ Kn
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n K\w lKk k K=>X WnA AK?Q> t]= AK lK@AK K\.j u5n E h"nh ch'nh
M= ?A =P A 1 K EK ?k t~ K\K AKK Ab E@A AK OPQ E=R? S. V
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4y E? EKa A@A W=x? lKk EF t?E
4] EKk A@A E\= t=?w =qQ Er A EK=iE AK O=A @ Sh t?E
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1.2.3.2. G" hc 7"nh ngh"( ,kt , X;" v'" c+c N@0M t" R"(t N
( T]= WP Y A@A Aw A@A K\ \Q A\ ?P EX Wi O=A K@E EF=>
t]= KJK AK OPQ E=R? S EF K]E W[ AK OPQ AK? AaP Kz. H]E W[ AK
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lK? OyA Ab EQ t\X o lX K=? ?k.
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OPQ E=R? S kK KZ W@ l> Wi liE ?k O\ AKqE tn AaP K]E W[ \Q.
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?Q W|Kw ?Q EFJK =@X Y@E O\ ?k t~ Fa= F E Sh EFAw EF O\ YP? lK= Aq
E Sh AKE AKw E Xw K EK EKb E= W@K =@ lK@AK K\ WQ Waw A KE S
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K lK lKo K: EK? K AaP r= S lKb m W|K K EK EKb E= E
Sh A@ K AKP K@E EF=> A@A AKK Y@AKw ?Q W|K K@ t~ t=R ?P Wi AK OPQ
E=R? S AKP K\ EK= A]K EFPK \Q A\ =P Eo lK= A Yy EKPX =P \Q
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K4t "ubn chng 1
T\ [ AKp 1 t\ K t~ t? Ap k Ox AK OPQ = AK?w AK OPQ E=R?S = F=R O\ AKqE tn AK OPQ E=R? S EF K\ EKp X]=. Td
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K Oq Wx XP EK lK@= ?@E Ox AK OPQ E=R? S Wi K Oq Wx Ah EK>
K: K@= =Xw W= Enw WA W=>X O\ tn= AK AaP AK OPQ E=R? S KPQ A@A KJK
EK_A AK OPQ E=R? Sw ?k EF| Fa= F EF K]E W[ AK OPQ E=R? S Wx? WnA
Wx A Wi EF AKp \Q. v EKr=w AKp A R? tR K K E kK
KZ E= AKqE tn AK OPQ E=R? S O\ OP= EFs ?P EFz AaP AK OPQ E=R? SO= 2 lKP A]K AKK W t\: lK@AK K\w K\ O\ x l=K Ei u K[= A O=
EJK KJK K]E W[ AaP A@A K\ EKp X]= E]= X[E Y A EFR EKi ==. Td
W FE FP WnA \= KzA l=K K=X AK A@A K\ V=E NPX K= PQ. BR A]K
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K]E W[ AK OPQ E=R? S O\ =k= K@ AP AKqE tn AK OPQ E=R? S Y
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