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7/29/2019 Nng cao hiu qu huy ng vn ti ngn hng nng nghip v pht trin nng thn chi nhnh ng Si Gn_caf

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OQM UM XX MFBG^

Mmf kcj bgu qu buy mfvm tg mfm bmf mmf

mfbgp v pbt trgm mmf

tbm kbg mbmb mf [g Fm


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DJ KJ XB K X ^ FUBH0 MFQW M BMF [ M

O G L Q

Ou t Mfm Bmf Mb M k mb mfbc0 bj t mf Mfm Bmf o bj t mf igmb

hjcmb tg m t v h kb v Mfm Bmf v g m g humf tb mf xuym o mb m tg m f g v s

h mf s tg m my k p tm h mf/ kumf mf h kb v tbcmb tjm- Mb kbmf tc dg t/

bg m mcy tmb bmb tb tr mf tg kbmb v bj t mf k c kk Mfm Bmf Xb mf L g

"MBXL' Ug t Mcl k l t d k pbt trg m v t d k/ mb t o i t ibg Ug t Mcl fgc

mb p t kb k Xb mf L g Xb Fg g "VXJ' v i mbg u bg p mb tb mf l g v g Bjc

I- X t k l g omb v k/ l g mfmb mfb mg kbumf v mfmb mfm bmf mg rgmf u v m mf/ pbt trg m tbaj xu b mf kbumf v k mbg u g l g mf i - Tgmf Xbmb pb

B Kb Lgmb/ k kjg o trumf tl igmb t o m mb t v o mf o k igmb t k c k m k-

X g y k l t kk X Kb k Xm H mf "XKXH' r t o m v bj t mf mfm bmf r t sg

mf- Xrjmf f m 4> ml g l g v c quc/ XKXH trm c dm oum fg vcg tr kb j v

buy mf v m v buy mf k ib g o mf v m r t o m u t kbj kk tbmb pb m

igmb t - Mb t o bg m mcy tb k bg m kbg m o k pbt trg m igmb t tbaj Mfb quy t g

b g mf tjm qu k o m tb R-

Xrjmf 1 ml tr o g y omb v k kb mf ibjm oum o omb v k sg mf v tbu bt

u t mbg u mb t- Xuy mbgm h kk trumf tl fgcj h kb kb mf ibjm v kk kmf ty mgl

y t g vj bj t mf k l t tb g fgcm/ sjmf vg k buy mf v m quc imb my l g

kb p mf k l t ibj m mb mbu k u v m u t bg m t g- Km tb k t kbj tb y/ b

tb mf MBXL v m o imb buy mf v m kb y u kbj u t pbt trg m- Xuy trm c dm

Xbmb pb B Kb Lgmb o mf v m buy mf k o r t o m mb mf v m ibmf p mf k mbu k u kbj vcy g v g kk tbmb pb m igmb t - Xrjmf / tg l o k v m trjmf hm

k km r t o m/ t o mf g hm tbcmb tjm d mf tg m l t/ tbcmb tjm d mf vmf/ d mf

mfj g t km r t mbg u l MBXL kb c buy mf k kbj vcy v kumf mf kk

pb mf tg m tbcmb tjm ibmf hmf tg m l t kbj mf g hm/ mb t o k k u mfu m v m

[UXB0 BJMF MF K SQMB XTCMF 3


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buy mf trumf v hg b m km kbg l t o tb p- mf tr k mbg l v o p mf mbu

k u v m kbj m m igmb t mmf mf/ g b g kk MBXL v kk XKXH pb g l r mf v

mmf kcj bg u qu buy mf v m k c lmb- Kbmb v t l qucm tr mf k c bj t mf buy

mf v m k c kk MBXL g v g m m igmb t / mm trjmf qu trmb tb k t p t g m v / bjm tbmb t t dj kj tb k t p k c lmb/ al quy t mb tb k bg m tg0 Mmf kcj

bg u qu buy mf v m t g Mfm Bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm, kbg

mbmb mf [g Fm

U g tg mfbgm k u mb trm tb pb l vg mfbgm k u k c al o0

, Ibmf fgcm0 Xrjmf qu trmb tb k bg m dj kj tb k t p my/ al k tb k t p t g

pbmf i tjm k c Mfm Bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm kbg mbmb mf [g Fm-

, Xb g fgcm0 [ og u s h mf trjmf tg my k tbcl ib j t pbmf i tjm k c

kbg mbmb quc ; ml " t ml 4>>5 m ml 4>>2 '- U tb g fgcm tb k bg m tg my o 4

tbmf "t >3*>;*4>>7 m >3*>1*4>>7'-

, g t mf mfbgm k u0 Xrjmf qu trmb tb k t p/ tl bg u v pbm tkb g l l mb

y u k c bj t mf buy mf v m t g m v / t c rc kk fg g pbp ib k pb k mb mf

t m t g v mmf kcj bg u qu buy mf v m t g kbg mbmb-

Dg dj kj tb k t p k c al k kbgc mb scu0

, Kb mf 30 Mfm bmf tb mf l g v bg u qu buy mf v m k c mfm bmf-

, Kb mf 40 Fg g tbg u v Mfm bmf Mmf Mfbg p v bt Xrg m Mmf Xbm Ug t

Mcl v Mfm bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm kbg mbmb mf [g Fm-

, Kb mf ;0 mb fg tb k tr mf kmf tk buy mf v m t g Mfm bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm kbg mbmb mf [g Fm bg m mcy-

, Kb mf 80 Mb mf fg g pbp mmf kcj bg u qu kmf tk buy mf v m t g Mfm

bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm kbg mbmb mf [g-



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KB MF 3 0

MFM BMF XB MF L G U BG Q SQ BQW MF U M K C MFM BMF

3-3 X mf qucm v mfm bmf tb mf l g 0

3-3-3 [ rc g k c mfm bmf tb mf l g0

Mfb igmb hjcmb tg m t rc g f m og m v g qucm b tb mf l g- Xrjmf tb g i k

g xu t bg m vg k fgcj o u tb mf l g fg c kk omb c v g kk oj g tg m ibk mbcu tb mfb igmb hjcmb tg m t xu t bg m tb k bg m mfbg p v g tg m- Ok u mfb

igmb hjcmb tg m t hj Mb Xb mf rc t kb k v o m g tm mfbgl k hm kbmf tgm

t mf/ o m g cm tjm i f g tg s m v tg m d k k c lmb scu m pbt trg m rc k ;

ibu v k0 kk mb tb / t mbm/ Mb m k v g kk mfbg p v g tg m/ mb m f g tg m/ d j

qu m tg m/ kbj vcy v kbuy m tg m-

m tb i RU/ xu t bg m mb mf t kb k igmb hjcmb tg m t k mb mf k tr mf f m fg mf mfm bmf/ u tgm f l mfm bmf Clstaxhcl "B Ocm ml 355>'/ Bcldjurf

" k ml 3537' v Dcmi k c Amfocmh "Cmb ml 3578'-

3-3-4Kk fgcg j m pbt trg m k c mfm bmf tb mf l g0

X tb i RU m mcy/ mfmb mfm bmf tr g quc mb mf d k tg m hg v fp

mbg u pbt lgmb v g vj o kb s pbt trg m k c ojg mf g- K tb kbgc rc kk fgcg j m

pbt trg m ol ; fgcg j m0

, Fgcg j m 3 "t tb i RU m ku g tb i RUGGG'0 Bj t mf k c fgcg j m my

k mb mf k tr mf scu0

[UXB0 BJMF MF K SQMB XTCMF ;


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) Kk mfm bmf bj t mf k o p kb c t j l t b tb mf kb u s rmf du k v

pb tbu k o m mbcu-

) Kb k mmf bj t mf k c l g mfm bmf fg mf mbcu/ f l mb m i tbk k c

ibkb bmf/ kbg t ib u v kbj vcy/ pbt bmb fg y d k vj o u tbmf/ tb k bg m kk h kb

v tg m t ibk mb g tg m/ kbuy m tg m

, Fgcg j m 4 "t tb i RUGGG m tb i RR'0

L g mfm bmf u pbt bmb fg y d k mfm bmf ol k m tr qu trmb pbt trg m

k c m m igmb t / v v y t u tb i RUGGG mfbg p v my k fgcj kbj l t s mfm

bmf o m v scu t p trumf vj l t mfm bmf huy mb t f g o Mfm bmf pbt bmb/ kk mfm bmf km o g kbuy m tbmb MBXL-

, Fgcg j m ; "t u tb i RR m mcy'0

Mfm bmf pbt bmb v m tbu k s b u t mbm ibmf kbj Mb m k kcm tbg p

tb mf xuym vj kk bj t mf igmb t tbmf quc kk tk mf k c m m igmb t / kk

m k qu k b u bc bmf oj t kk Mfm bmf pbt bmb t scu ku k ib mf bj mf igmb

t ml 3747 m ml 37;;- Ibg mg l Mfm bmf trumf mf "MBXV' tbcy tb kbj Mfm bmf pbt bmb v g kb k mmf r mf b m/ mfjg mfbg p v pbt bmb v qu m o mb

m k v tg m t / fp pb m tbk y qu trmb pbt trg m tmf tr mf igmb t -

3-3-;Kk kb k mmf k c mfm bmf tb mf l g0

3-3-;-3 Xrumf fgcm tm h mf0

MBXL l t l t tbu bt kk ibj m tg m mbm r g trjmf x b g/ dcj f l tg m k c kk

hjcmb mfbg p/ kk b fgc mb/ k mbm v kk k qucm Mb m k- L t ibk/ MBXL hmf

kbmb s tg m buy mf k kbj vcy g v g kk tbmb pb m igmb t trjmf x b g-

Xrjmf m m igmb t tb tr mf/ MBXL o l t trumf fgcm tg kbmb qucm tr mf g u

kbuy m v m t mf g tb c scmf mf g tbg u- Xbmf quc s g u ibg m my/ MBXL k vcg



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tr qucm tr mf trjmf vg k tbk y tmf tr mf igmb t / tmf tbl vg k ol/ k g tbg m l k

s mf k c hm k / m mb tbu kbg k c Kbmb pb - Kbmb v g kb k mmf my/ MBXL fp

pb m qucm tr mf vj vg k g u bc o u tbmf tg m t / m mb s k luc mf tg m/ ig l

kb o l pbt-

3-3-;-4 Xrumf fgcm tbcmb tjm0

M u mb l g ibj m kbg tr k c x b g k tb k bg m dm mfjg mfm bmf tb kbg

pb tb k bg m kbmf s r t o m/ dcj f l0 kbg pb gm k/ d j qu m v m kbuy m tg m

U g s rc g k c MBXL/ pb m o m kk ibj m kbg tr v bmf bc v h kb v k c x b g

u k tb k bg m quc mfm bmf v g mb mf bmb tb k tbcmb tjm tbkb b p/ tb t k m

fg m v i tbu t mfy kmf tgm tg m- Mb t p trumf kmf vg k tbcmb tjm k c x b g vj mfm bmf/ mm vg k fgcj o u bmf bc/ h kb v tr mm tbu m tg m/ mbcmb kbmf/ cm tjm v

tg t ig l b m- Ibmf mb mf v y/ hj tb k bg m kb k mmf trumf fgcm tbcmb tjm/ MBXL k

g u ig m buy mf tg m f g k c x b g tr k b t o k c hjcmb mfbg p t g l k t g c/ t j

mfu m v m kbj vcy v u t / y l mb bj t mf igmb hjcmb k c mfm bmf-

3-3-;-; Mfu m t j tg m0

[ rc g k c kk mfm bmf t j rc l t d k pbt trg m v kb t trjmf igmb hjcmb

tg m t - M u mb tr k y kk t kb k igmb hjcmb tg m t mb m tg m f g v r g kbj vcy

kmf kbmb d mf kk mf tg m / tb mcy kk mfm bmf k tb kbj vcy d mf tg m fg y

k c lmb/ tbcy tb tg m d k v vmf hj ibkb bmf f g vj mfm bmf-

B m m c/ ibg bj t mf trjmf l t b tb mf mfm bmf/ MBXL k ib mmf t j

tg m d mf kkb kbuy m ibj m bcy dt t tbcy tb kbj tg m l t- g u my c

MBXL om v tr o mfu m t j tg m- Su trmb t j tg m k c b tb mf MBXL h c trm k s

tg m f g k c x b g- Rjmf s tg m f g k mbm om f p d g ibg mfm bmf kbj vcy tbmf

quc k kb tbcmb tjm kbuy m ibj m fg c kk mfm bmf-

3-4 Bj t mf buy mf v m k c mfm bmf0



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3-4-3Ibg mg l v m buy mf0

U m buy mf o tg s m d mf tg m k c kk t kb k v k mbm l mfm bmf cmf

t l tb g qu m o v s h mf v g trkb mbg l bjm tr - U m buy mf km k f g o tg

s m m mfm bmf- D pb m mfu m v m my kbg l t tr mf o m v kb y u mb t trjmf k

k u mfu m v m k c d t i l t MBXL mj-

Kb k kk MBXL l g k quy m buy mf v m h g mbg u bmb tb k ibk mbcu/

lcmf tmb k tb rgmf v m k k c MBXL- y kmf kbmb o g l ibk dg t fg c MBXL

v kk t kb k tm h mf pbg mfm bmf-

3-4-4 k g l k c v m buy mf0

, U m buy mf trjmf MBXL kbg l t tr mf o m trjmf t mf mfu m v m k c

MBXL- Kk MBXL bj t mf k kb y u o mb vj mfu m v m my-

, y o mfu m v m ibmf m mb v ibkb bmf k tb rt d t k ok mj/ hj

kk MBXL k m pb g huy tr l t ibj m h tr tbcmb ibj m s m smf p mf mbu k u

rt tg m k c ibkb bmf/ l d j cm tjm kbj bj t mf k c mfm bmf/ trmb s s t

fg l t mf t v mfu m v m k c mfm bmf-

, y o mfu m v m k tmb k mb trcmb l mb- Kk mfm bmf tbu bt ibkb bmf

m v g lmb ibmf mf mf bjm tbg m ibumf og su t tb t b p h m mm mfu m v m my

k kbg pb s h mf v m ib kcj-

, U mb mf k g l trm mm kk MBXL ibmf k s h mf mfu m v m my

u t / kb k s h mf trjmf kk bj t mf tm h mf v d j omb-

3-4-; X l qucm tr mf k c mfbg p v buy mf v m0

3-4-;-3 g v g MBXL0

Mfbg p v buy mf v m o l t mfbg p v r t qucm tr mf/ fp pb m lcmf o g mfu m

v m kbj mfm bmf tb k bg m kk mfbg p v igmb hjcmb- Ibmf k mfbg p v buy mf

v m xal mb ibmf k bj t mf k c MBXL/ MBXL s ibmf mfu m v m tg tr kbj



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l g bj t mf k c lmb- Bcy mg kkb ibk/ tbmf quc bj t mf buy mf v m MBXL

k tb j o mf k uy tm v s tm mbg l k c ibkb bmf g v g mfm bmf- X /

mfm bmf k mb mf dg m pbp ibmf mf mf bjm tbg m l g bj t mf k c lmb fg

v mf v l r mf qucm b v g ibkb bmf- K tb mg/ mfbg p v buy mf v m fp pb m fg g quy t u vj k c mfm bmf-

3-4-;-4 g v g ibkb bmf0

Mfbg p v buy mf v m kumf k p kbj ibkb bmf l t imb tg t ig l v u t

mb l ol kbj tg m k c b sgmb o g/ t j k b g kbj b k tb fgc tmf tgu hmf trjmf

t mf ocg- Mfbg p v buy mf v m km kumf k p kbj ibkb bmf l t m g cm tjm k t

tr v tkb oy mfu m v m t l tb g mbm r g- L t ibk/ mfbg p v buy mf v m fgp kbj ibkb bmf k k b g tg p k m v g kk h kb v ibk k c mfm bmf mb h kb v tbcmb tjm

quc mfm bmf/ h kb v tm h mf ibg ibkb bmf k m v m kbj s m xu t/ igmb hjcmb bj k

k m tg m kbj tgu hmf- U v y mfbg p v buy mf v m k mfbc r t o m ibmf kb v g

mfm bmf l km r t qucm tr mf v g ibkb bmf-

3-4-8Kk mfu m v m k c mfm bmf tb mf l g0

3-4-8-3 U m kb s b u0

U l t igmb t / v m kb s b u o v m rgmf k c mfm bmf hj kk kb s b u mf

fp v m km k t j rc trjmf qu trmb igmb hjcmb h g h mf o g mbu m fg o g- U m

kb s b u km k f g o v m rgmf-

Xbaj quy mb k c ou t kk t kb k tm h mf 3772/ v m kb s b u dcj f l pb m

fg tr tb k k k c v m g u o / kk qu h tr v l t s tg s m m ibk k c t kb k tm h mf tbaj quy mb k c mfm bmf mb m k "MBMM'-

Xbaj quy t mb s 816*4>>1*S,MBMM mfy 37 tbmf 8 ml 4>>1/ v quy t mb

>;*4>>6*S,MBMM mfy 37*3*4>>6 tb v m kb s b u k c MBXL dcj f l0



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, U m kb s b u "v m k p3'0 U m g u o tb k k "v m k k p/ v m fp'/

qu h tr d sumf v m g u o / qu h pbmf tg kbmb/ qu u t pbt trg m mfbg p v /

o g mbu m ibmf kbgc- y o mfu m v m t mf g m mb-

, U m kb s b u d sumf "v m k p 4'0 y o mfu m v m k tmb m mb tb p v pb tbu k vj quy l k c mfu m v m kb s b u k d m/ dcj f l pb m fg tr tmf tbl

k c tg s m k mb v k c kk oj g kb mf ibjm u t k mb fg o g/ trg pbg u

kbuy m g bj k k pbg u u g hj t kb k tm h mf pbt bmb k tb g b m hg-

3-4-8-4 U m buy mf 0

MBXL buy mf v m tbmf quc kk bj t mf0 mb m tg m f g/ pbt bmb fg y t

k fg/ vcy v m fg c kk t kb k tm h mf v vcy v m mf m b m k c MBMM-

3-4-8-; Buy mf v m t kk t kb k tm h mf v t MBXV 0

Xrjmf qu trmb bj t mf igmb hjcmb k c kk mfm bmf/ oum t m t g tmb tr mf t l

tb g tb c bj k tbg u v m- M u trjmf tmb tr mf tb c v m/ kk MBXL k tb f g vj bj k

kbj kk XKXH ibk vcy b mf og- Mf k o g/ m u scu ibg s h mf b t mfu m v m

kb s b u v v m g vcy l v m kb c p mf k mbu k u vcy v m k c ibkb bmf

bj k mbu k u tbcmb tjm/ kbg/ rt tg m k c ibkb bmf/ kk MBXL k tb g vcy MBXV/

kk MBXL v XKXH ibk-

U m g vcy kb mm kbg l l t t tr mf k tb kb p mb m k trjmf i t k u mfu m

v m/ mb mf m r t k m tbg t v k v tr r t qucm tr mf l d j kbj mfm bmf bj t

mf l t kkb dmb tb mf-

3-4-8-;-3 U m vcy k c kk t kb k tm h mf ibk 0

Kk MBXL k tb vcy v kbj vcy o m mbcu tbmf quc tb tr mf ogm mfm bmf

"Gmtardcmi Lcriat'0 y o tr mf b p mfm bmf k o mf tg m f g t g MBMM tb p ibmf

p mf kbj mbu k u kbg tr / ibg h g s t kb k k c MBMM/ mfm bmf my s



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k vcy k c l t mfm bmf ibk k o mf tg m f g h tb c t g MBMM/ v ibj m kbj vcy

o l t d pb m k c tg m f g tbcmb tjm mm tb g fgcm vcy tb mf kb o l t mfy "vcy quc

l'- Mfjg rc kk mfm bmf k tb kbj vcy tr k tg p o m mbcu ibmf tbmf quc tb tr mf

ogm mfm bmf- ^b mf tb k my r t ogmb bj t fgp kk MBXL km g v m l t kkb i p tb g-

Mfuym t k vcy v m t kk XKXH ibk0

, Kk mfm bmf pb g bj t mf b p pbp-

, Xb k bg m vg k kbj vcy v g vcy tbaj b p mf tm h mf-

, U m vcy pb g k l d j d mf tb kb p/ k l k bj k d j omb k c MBXV-

3-4-8-;-4 U m vcy k c MBXV 0

H kk MBXL k tb m tr mf m l y trjmf vg k kbj vcy tb kmf ibmf tb trmb

ib g k ok tbg u ib mmf kbg tr bj k i t tg m l t t l tb g/ ok MBXV kbmb o k u

tgmb k c kk MBXL/ o mfu m vcy scu kmf-

Ug t Mcl bg m mcy/ MBXV kbj kk MBXL vcy v m h g kk bmb tb k scu0

, Xg k p v m-

, Kbg t ib u/ tg kbg t ib u tb mf pbg u v kk fg y t k fg mf m b m ibk-

, Kbj vcy k l d j d mf tb kb p bj k k l k tb mf pbg u v kk fg y t k

fg mf m b m ibk-

, Kbj vcy o g tbaj b s tm h mf-

Mfjg rc/ MBXV km kbj MBXL vcy d sumf v m tbcmb tjm d tr - Mb oj g kbj

vcy my l b tb mf tbcmb tjm d tr k tb k bg m l t kkb tbu m o g v trg kb y-

Xrjmf tr mf b p t dg t/ ibg k Xb t mf Kbmb pb kb p tbu m/ MBXV km kbj

vcy g v g kk MBXL t l tb g l t ib mmf kbg tr k mfuy k fy l t cm tjm kbj

tjm b tb mf-



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3-4-8-8 Mfu m v m ibk 0

Dm k mb kk mfu m v m mu trm/ trjmf qu trmb bj t mf k c kk MBXL km k

tb t j o p v m kbj lmb t mbg u mfu m ibk0

, U m kbg l h mf0 mfm bmf s h mf kk oj g tg m f g mfbc v k c ibkb bmf

trjmf qu trmb t kb k tbcmb tjm ibmf hmf tg m l t "mb kk ibj m tg m ibkb bmf i

qu d j kbg sk/ l tb tm h mf/ d j omb mfm bmf'

, Xg m cmf kbuy m0 s v m trkb ib g tg ibj m k c mf g tr mb mf kb c

kbuy m vj tg ibj m k c mf g tb b mf hj pb g x o kb mf t tbcmb tjm-

, U m y tbk u t / tg tr k c Kbmb pb / k c kk t kb k tg kbmb tg m t / kk

t kb k jm tb , x b g trjmf v mfjg m k tg tr kbj kk kb mf trmb h m v pbt trg m igmb t / x b g/ k g t j lg tr mf v k kbuy m quc MBXL ol g o y tbk

tb k bg m-

, Kk ibj m pb g tr l kb c m b m tr / kk ibj m tg m t l f g tbaj quy t

mb k c tc m mb mf mfbg p v my kmf t j tbl mfu m v m kbj mfm bmf-

Kk mfu m v m ibk my k c mfm bmf tuy ibmf mbg u/ tb g fgcm s h mf o g mf m/

mb mf g u t dg t o g v g mfu m v m my/ mfm bmf ibmf mb mf ibmf pb g t m il kbg pb s h mf v m l g ibg km mb m k pb t vg k kumf k p kk h kb v mfm

bmf/ mf tb g k g u ig m l r mf mfbg p v v h kb v mfm bmf/ ol kbj bj t

mf k c mfm bmf kmf c h mf b m-

3-4-1Kk mfbg p v buy mf v m k c MBXL0

3-4-1-3 Buy mf v m quc tg ibj m tg m f g0

3-4-1-3-3 Xg m f g ibmf i b m "km f g o tg m f g tbcmb tjm'0

U g oj g tg m my/ ibkb bmf k tb f g tg m vj v rt rc d t k ok mj k mbu k u-

L k kb kbmb k c mf g f g tg m mb l l d j cm tjm v tg s m v tb k bg m kk

[UXB0 BJMF MF K SQMB XTCMF 3>


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ibj m tbcmb tjm quc mfm bmf mm km k f g o tg m f g tbcmb tjm - Xg ibj m my

l kbj kk g t mf ibkb bmf o k mbm bj k t kb k k mbu k u tb k bg m tbcmb

tjm quc mfm bmf-

l tg ibj m tg m f g tbcmb tjm t g MBXL/ ibkb bmf k m ol tb t k scu0

, g v g ibkb bmf k mbm kb k m g m vj l u fg y mfb l tg ibj m

tg m f g k mbm/ mf i kb i l u/ xu t trmb v m p d m scj fg y kb mf lgmb mbm

hm-

, g v g ibkb bmf o t kb k/ kb k m g m vj l u fg y mfb l tg ibj m

tg m f g tbcmb tjm/ mf i l u kb i v kjm h u k c mf g g hg m/ xu t trmb v

m p d m scj kk fg y t kb mf lgmb t kkb pbp mbm k c t kb k/ v kk fg y t kb mf lgmb t kkb g hg m b p pbp k c kb tg ibj m-

, g v g ibkb bmf o mf kb tg ibj m k m g m v m p fg y mfb l tg

ibj m mf s b u/ kk fg y t kb mf lgmb t kkb g hg m b p pbp k c mf g g

hg m kbj t kb k tbcl fgc tg ibj m mf s b u/ vm d m tb c tbu m qu m o v s h mf

tg ibj m kbumf k c kk mf kb tg ibj m-

Xbaj tbmf o kk m k pbt trg m/ mfm bmf ibmf tr og kbj ibkb bmf l tg ibj m tg m f g ibmf i b m v l k kb k c ibkb bmf ibg s h mf tg ibj m my o

tb k bg m tbcmb tjm quc mfm bmf kb ibmf pb g v l k kb b mf og- B m m c mfm

bmf km yu k u ibkb bmf pb g huy tr l t s h t g tbg u k b mf kk h kb v

k c mfm bmf/ m u ibmf k s h my tb ibkb bmf pb g tr pb kbj mfm bmf ibg

s h mf kk h kb v k c mfm bmf-

Ug t Mcl/ hj tbg quam tbcmb tjm d mf tg m l t v hm kbmf kb c quam v g vg k s h mf tg ibj m tbcmb tjm mm tbu bt ibkb bmf/ mfm bmf v m tr og g v g

oj g tg m f g my/ tuy mbgm v g l k og su t r t tb p "ibj mf >/41! *tbmf'-

Og tg m f g tbcmb tjm k tmb mb i bmf tbmf tbaj pb mf pbp tkb s v og

k mb p vj s h k tg ibj m tg m f g k c ibkb bmf-



13/79


tmf mfu m tg m ibmf i b m mfm bmf pb g c h mf bc v tb k bg m t t kk

h kb v trumf fgcm/ tbu bt mbg u ibkb bmf o m- U g quy l o m/ k k u c h mf/ k kb

bjm g tb g fgcm j b m k c kk ibj m tg m f g k tb k bg m t t s ol kbj l k h

tg m f g dmb qum t g mfm bmf oum kcj v m mb/ t j g u ig m kbj mfm bmf k tb s h mf o mf tg m my kbj vcy l ibmf ol mb b mf m ib mmf tbcmb tjm

k c mfm bmf-

3-4-1-3-4 Xg m f g k i b m 0

Kk ibj m tg m f g k i b m k k tr mf d mf kb mf kb tg m f g fbg r tb g

fgcm j b m v s o mf- Ibkb bmf kb k rt rc scu l t tb g fgcm mb t mb tbaj i

b m k tb c tbu m ibg f g tg m- Xuy mbgm mfm bmf k tb fg g quy t kbj ibkb bmf rt tr k tb g b m ibg k yu k u/ mb mf pb g kbuy m t l k og su t tg m f g k i

b m scmf p h mf l k og su t ibmf i b m-

g v g oj g tg m f g k i b m/ l k kb k c vg k f g tg m o o g t k/ ibmf qucm

tl t g vg k t m h mf mb mf tg m kb tbcmb tjm hj mfm bmf kumf k p- U v y tmf t

o buy mf v m k i b m mfm bmf k tb s h mf kk kmf k og su t v kk kbmb

skb ibuy m ibkb o g kb v t kb t ibk mb x s bj k d k tbl trmf tb mf t j rc s qucm tl tbu bt ibkb bmf/ t dg t v g mbl ibkb bmf o k mbm-

U g k tmb m mb k c tg m f g k i b m/ mfm bmf k tb kb mf i bj kb

bc vg k s h mf mfu m v m/ tl ig l mb mf ibj m u t k tb g fgcm b p o v tbu o g

mbu m kcj-

3-4-1-3-; Xg m f g tg t ig l 0

, Xg t ig l ibmf i b m0

[ m pb l tg m f g tg t ig l ibmf i b m k tbg t i hmb kbj g t mf ibkb

bmf o k mbm bj k t kb k/ k tg m t l tb g mbm r g lu m f g mfm bmf v l k tgu



14/79


cm tjm v sgmb o g/ mb mf ibmf tbg t o p k i bj kb s h mf tg m f g trjmf t mf

ocg- g v g ibkb bmf ibg o c kb m bmb tb k tg m f g my/ tb l k tgu cm tjm v tg m

o g qucm tr mf b m o l k tgu sgmb o g- g v g mfm bmf/ v oj g tg m f g my ibkb bmf

lu m rt d t k ok mj kmf k mm mfm bmf pb g l d j t m qu kbg tr v ibmf kb mf k ibg om i bj kb s h mf tg m f g k p tm h mf- Hj v y/ mfm

bmf tb mf tr og su t r t tb p kbj oj g tg m f g my-

g v g oj g tg m f g my/ ibkb bmf k tb f g tg m v rt tg m d t k ok mj trjmf

fg fgcj h kb/ l g o m fgcj h kb ibkb bmf pb g xu t trmb s tg m f g v kb k tb tb k

bg m k kk fgcj h kb mfm qu mb f g tg m bj k rt tg m/ ibmf tb tb k bg m k

kk fgcj h kb tbcmb tjm mb trjmf tr mf b p tg m f g tbcmb tjm-Xb t k l s tg m f g

tg t ig l ibmf i b m r t m fg m/ ibkb bmf m d t i kbg mbmb mj k c mfm bmf

g m vj l u fg y mfb f g tg t ig l ibmf i b m k il tbaj fg y kb mf lgmb

mbm hm v kb i l u- Mbm vgm s bjm t t tb t k mb m tg m v k p s tg m f g mfcy

kbj ibkb bmf-

, Xg t ig l mb i0

Xg m f g tg t ig l mb i k tbg t i hmb kbj ibkb bmf k mbm v t kb k k mbu k u f g tg m v l k tgu cm tjm/ sgmb o g v tbg t o p k i bj kb s h mf tg m

trjmf t mf ocg- g t mf ibkb bmf kb y u k c oj g tg m f g my o kk k mbm lu m

k tbu mb p m mb v tb mf xuym/ p mf kbj vg k kbg tgu bmf tbmf bj k bmf

qu- c s ibkb bmf tbkb o c kb m bmb tb k f g tg m my o kmf mbm/ mbm vgm b u

tr- L k tgu qucm tr mf k c b ibg kb m o c bmb tb k tg m f g my o o g t k k k

tbaj mb i- Hj v y/ og su t mf vcg tr qucm tr mf tbu bt k g t mf ibkb

bmf my- H mbgm/ og su t tr kbj oj g tg m f g tg t ig l mb i kcj b m og su t tr kbj oj g tg m f g ibmf i b m- Mfjg rc/ l k og su t km tbcy g ty tbaj oj g i b m f g

"3/ 4/ ;/ 5/ 7 bcy 34 tbmf' v ty tbaj oj g mf tg m f g tg t ig l "UM/ Q[H/ AQT bcy

vmf' v km ty tbaj uy tm/ r g rj k c mfm bmf mb m tg m f g-

[UXB0 BJMF MF K SQMB XTCMF 3;


15/79


U tb t k l s / tbaj hg bj t mf v tmb og kmf tg m bmb t mf t mb tg m

f g tg t ig l ibmf i b m/ kb ibk kb ibkb bmf k rt tg m tbaj mf i b m

kcl i t/ ibmf k pbp rt tg m tr k b m- Xuy mbgm/ ibuy m ibkb v tbu bt

ibkb bmf f g tg m g ibg mfm bmf kbj pbp k rt tg m f g tr k b m m u k mbu k u/ mb mf ibg mfm bmf s tr og kbj ibkb bmf tbaj og su t tg m f g ibmf i b m-

3-4-1-4 Buy mf v m quc pbt bmb fg y t k fg 0

Fg y t k fg o kb mf mb m k c XKXH pbt bmb buy mf v m trjmf xk

mb m mfbc v tr m l t ibj m tg m trjmf l t tb g b m mb t mb/ g u ig m tr og v

kk g u ibj m kcl i t ibk fg c XKXH v mf g luc-

L t fg y t k fg tb mf il tbaj kk tbu k tmb scu y0

, L mb fg0

O s tg m f k k gm s m bj k fbg trm fg y t k fg pbt bmb tbaj bmb tb k

kb mf kb bj k fbg trm fg y kb mf mb m quy m s b u g v g kk fg y t k fg pbt

bmb tbaj bmb tb k fbg s -

, Xb g b m fg y t k fg0

O ibj mf tb g fgcm t mfy t kb k tm h mf pbt bmb m b t mfy tbcmb tjm k

fbg trjmf fg y t k fg--

, Og su t k b mf0

O su t p h mf tmb og kbj mf g luc fg y t k fg k b mf- Fg y t k fg k tb pbm tbmb mbg u oj g ibk mbcu-

Km k vj quy m s b u k tb kbgc fg y t k fg tbmb fg y t k fg fbg hcmb v

fg y t k fg v hcmb- Fg y t k fg fbg hcmb o fg y t k fg pbt bmb tbaj bmb tb k

kb mf kb bj k fbg s k tm mf g s b u- Fg y t k fg v hcmb o fg y t pbt bmb



16/79


tbaj bmb tb k kb mf kb ibmf fbg tm mf g s b u- Fg y t k fg v hcmb tbu k quy m

s b u k c mf g m l fg m-

Km k vj tb g b m/ fg y t k fg k tb kbgc tbmb bcg oj g/ t mf mf v g tb g

fgcm buy mf v m0 fg y t k fg mf m b m v fg y t k fg hg b m-

3-4-1-4-3 Buy mf v m mf m b m 0

buy mf v m mf m b m/ kk XKXH k tb pbt bmb fg y t k fg mf m b m-

Fg y t k fg mf m b m o fg y t k fg k tb g b m h g 34 tbmf/ dcj f l i pbg u/

kb mf kb tg m f g mf m b m/ tm pbg u v kk fg y t k fg mf m b m ibk-

Lu m pbt bmb fg y t k fg mf m b m/ XKXH pb g o p b s mfb pbt bmb-

[cu ibg k k p trm xal xt v pb huy t mfb pbt bmb/ XKXH s rc tbmf dj pbt

bmb- M g humf tbmf dj pbt bmb f l k0

, Xm t kb k pbt bmb-

, Xm f g fg y t k fg "tm pbg u/ i pbg u/ kb mf kb tg m f g/'

, X mf l mb fg k c t pbt bmb-

, Xb g b m k c fg y t k fg- , Mfy pbt bmb-

, Mfy m b m tbcmb tjm-

, Og su t/ pb mf tb k tr og/ tb g g l v c g l tr og-

, ^b mf tb k bjm tr v c g l tr tg m f k k c fg y t k fg-

3-4-1-4-4 Buy mf v m trumf v hg b m 0

Lu m buy mf v m trumf v hg b m ";/ 1/ bcy 3> ml' kk MBXL k tb pbt bmb

i pbg u/ trg pbg u v k pbg u- Xrg pbg u hj mfm bmf pbt bmb k tb k xal o

l t oj g trg pbg u kmf ty- [j v g trg pbg u Kbmb pb tb trg pbg u mfm bmf r g rj



17/79


b m mm kbg pb buy mf v m kcj b m sj v g trg pbg u Kbmb pb bcy trg pbg u Ibj

d k-



18/79


KB MF 4 0

FG G XBG Q U MFM BMF MMF MFBG ^ U BX XTG M

MMF XBM UG X MCL U MFM BMF MMF MFBG ^ U

^BX XTG M MMF XBM KBG MBMB MF [G FM

4-3 Fg g tbg u v mfm bmf Mmf Mfbg p v ^bt Xrg m Mmf Xbm Ug t Mcl

"Mj%^XMX UM' 0

4-3-3 Su trmb bmb tbmb v pbt trg m 0

Ml 37220 Mfm bmf ^bt trg m Mmf mfbg p Ug t Mcl k tbmb o p tbaj Mfb

mb s 1;*BDX mfy 45*>;*3722 k c B g mf D tr mf "mcy o Kbmb b ' v vg k

tbmb o p kk mfm bmf kbuym hjcmb/ trjmf k Mfm bmf bt trg m Mmf mfbg p Ug t

Mcl bj t mf trjmf omb v k mmf mfbg p/ mmf tbm-

Mfm bmf bt trg m Mmf mfbg p bmb tbmb trm k s tg p mb m t MBMM0 t t k

kk kbg mbmb MBMM buy m/ ^bmf Xm h mf Mmf mfbg p/ qu tg t ig l t g kk kbg mbmb MBMM t mb/ tbmb pb - Mfm bmf pbt trg m Mmf mfbg p XV k bmb tbmb trm

k s tg p mb m U Xm h mf Mmf mfbg p Mfm bmf Mb m k v l t s km d k c

U Xm h mf Xb mf mfbg p/ Mfm bmf u t v Ry h mf/ U I tjm v l t s

m v -

Mfy 38*33*377>/ Kb t kb B g mf D tr mf "mcy o Xb t mf Kbmb pb ' i

Suy t mb s 8>>*KX tbmb o p Mfm bmf Mmf mfbg p Ug t Mcl tbcy tb Mfm bmf

^bt trg m Mmf mfbg p Ug t Mcl- Mfm bmf Mmf mfbg p o MBXL c mmf/ bj t mf

kb y u trm omb v k mmf mfbg p/ mmf tbm/ o l t pbp mbm/ b kb tjm igmb t k

o p/ t kb / t kb u trkb mbg l v bj t mf k c lmb tr k pbp ou t- Mfy >3*>;*3773

Xb mf k MBMM k Suy t mb s 32*MB,S tbmb o p Um pbmf g hg m Mfm bmf



19/79


Mmf mfbg p t g Xbmb pb B Kb Lgmb v mfy 48*>5*3778/ Xb mf k k vm d m s

8;7*KU,XKKD kb p tbu m kbj Mfm bmf Mmf mfbg p k tbmb o p vm pbmf lg m

Xrumf t g Xbmb pb Suy Mb m , t mb Dmb mb-

Mfy 44*34*3774/ Xb mf k MBMM k Suy t mb s 5>;*MB,S v vg k tbmb

o p kbg mbmb Mfm bmf Mmf mfbg p kk t mb tbmb pb tr k tbu k Mfm bmf Mmf

mfbg p f l k ; [ fgcj h kb "[ fgcj h kb G t g B M g v [ fgcj h kb GG t g Um pbmf

g hg m ibu v k lg m Mcl v [ fgcj h kb ; t g Um pbmf lg m Xrumf' v 8; kbg mbmb

Mfm bmf Mmf mfbg p t mb/ tbmb pb - Kbg mbmb Mfm bmf Mmf mfbg p qu m/ buy m/

tb x k 861 kbg mbmb-

Ml 377; Mfm bmf Mmf mfbg p Ug t Mcl dcm bmb quy kb tbg uc ibam tb mf t j rc mb mf kbu m l k kbj kk k mbm v t p tb pb m u trm l g k mf v v

mbg l v kmf tk- X kb k k b g mfb t mf i t tjm qu k k kk fgl k kbg mbmb

buy m su t s k mb t k c t mb tbmb pb -

Mfy ;>*>6*3778 t g Suy t mb s 35>*S,MBMM/ Xb mf k MBMM kb p tbu m

l bmb g l g b tb mf qu m o k c Mfm bmf Mmf mfbg p Ug t Mcl k tb bj

d mf vm d m s 746*XKKD*Mfm bmf Mmf mfbg p mfy 35*>2*3778 xk mb0 Mfm bmf Mmf mfbg p Ug t Mcl k 4 k p0 K p tbcl l u v K p tr k tg p igmb hjcmb- y tb k

s o d k mfj t v t kb k d ly k c Mfm bmf Mmf mfbg p Ug t Mcl v kmf o

m m t mf kbj bj t mf igmb hjcmb k c Mfm bmf Mmf mfbg p v ^bt trg m mmf tbm

Ug t Mcl scu my-

Mfy >6*>;*3778 t g Suy t mb s 7>*XXf k c Xb t mf Kbmb pb / Mfm bmf

Mmf mfbg p Ug t Mcl bj t mf tbaj l bmb X mf kmf ty Mb m k v g k k u t kb k dcj f l B g mf Su m tr / X mf Fgl k/ d ly fgp vg k dcj f l d ly

ig l sjt m g d / kk m v tbmb vgm dcj f l kk m v b kb tjm pb tbu k/ b kb

tjm k o p/ m v s mfbg p/ pbm dg t r kb k mmf qu m o v kb k mmf g u bmb/

Kb t kb B g mf qu m tr ibmf igl X mf Fgl k-



20/79


Xrm k s mb mf i t qu t t p k c Su kbj vcy u g b mfbj/ Mfm bmf

Mmf mfbg p tg p t k xu t ig m mfb o p Mfm bmf pb k v mf g mfbj/ k

Kbmb pb / MBMM mf b / h ou m r t bjcm mfbmb- Mfy ;3*>2*3771/ Xb t mf Kbmb

pb dcm bmb Suy t mb s 414*XXf tbmb o p Mfm bmf pb k v mf g mfbj- Mfm bmf pb k v mf g mfbj o l t XKXH k c Mb m k bj t mf trjmf pb l vg k

m k/ k t kkb pbp mbm/ k v m g u o / k tg s m/ d mf km g/ k kjm h u/ tr s

kbmb t t g B M g- U m bj t mf dcm u o 8>> t mf hj Mfm bmf Mmf mfbg p

Ug t Mcl fp 4>> t mf/ Mfm bmf Mfj g tb mf 3>> t mf v MBMM 3>> t mf-

Bj t mf k c Mfm bmf pb k v mf g mfbj v l k tgu xj g fg l mfbj/ ibmf v

l k kb o g mbu m/ tb k bg m d j tjm v m dcm u/ pbt trg m v m/ d p kbg pb- Mfm

bmf pb k v mf g mfbj tb k kb t o d pb m tk mfbg p k c Mfm bmf Mmf mfbg p Ug t Mcl t m t g v pbt trg m l mb- X g tbmf >7*4>>4/ h m om t g 5-578 t /

k uy tm k trjmf v mfjg m k/ k kk X kb k qu k t mb fg kcj v t dg t k

l g t mf o p mbm hm mf b / qu tr mf- Kbmb v mb mf i t qu mb v y/ mfy

>8*3>*4>>4/ Xb t mf kbmb pb dcm bmb Suy t mb s 3;3*4>>4*S,XXf tbmb o p

Mfm bmf Kbmb skb x b g trm k s Mfm bmf pb k v mf g mfbj X >3*>3*4>>;

Mfm bmf pb k v mf g mfbj kbuy m tbmb Mfm bmf Kbmb skb x b g- Mfm

bmf Mmf mfbg p kbmb o mf g xu t tbmb o p/ tb k bg m v d j tr Mfm bmf pb k v mf g mfbj tg m tbm k c Mfm bmf Kbmb skb x b g y o mg l t bj tj

o m k c Mfm bmf Mmf mfbg p v ^bt trg m mmf tbm Ug t Mcl trjmf s mfbg p pbt

trg m igmb t / xj g fg l mfbj-

Mfy 31*33*3775/ k Xb t mf Kbmb pb u quy m/ Xb mf k Mfm bmf Mb

m k Ug t Mcl i Suy t mb s 42>*S,MBMM g tm Mfm bmf Mmf mfbg p Ug t

Mcl tbmb Mfm bmf Mmf mfbg p v ^bt trg m mmf tbm Ug t Mcl-

Mfm bmf Mj%^XMX UM bj t mf tbaj l bmb X mf kmf ty 7>/ o hjcmb mfbg p

Mb m k b mf t dg t/ bj t mf tbaj Ou t kk XKXH v kb u s qu m o tr k tg p k c

MBMM Ug t Mcl- U g tm f g l g/ mfjg kb k mmf k c l t MBXL/ Mfm bmf

Mj%^XMX UM k xk mb tbl mbg l v u t pbt trg m g v g ibu v k mmf tbm



21/79


tbmf quc vg k l r mf u t v m trumf/ hg b m xy h mf k s v t kb t i tbu t

kbj s m xu t mmf/ ol mfbg p/ tb y b g s m fp pb m tb k bg m tbmb kmf s mfbg p

kmf mfbg p bc bg m g bc mmf mfbg p mmf tbm-

Xrjmf ml 3772/ Mfm bmf Mj%^XMX UM t p trumf mmf kcj kb t o mf tm

h mf/ x o m t m mf k v qu m o kb t kb b m kmf tk tb l mb/ xt huy t kk

ibj m kbj vcy l g/ tg m bmb kk dg m pbp pb b p fg l m tb p qu b m-

Ml 3777/ Kbmb pb Ug t Mcl t dg t qucm tl v t p trumf u t pbt trg m

mmf mfbg p mmf tbm- Ou t MBMM v Ou t kk XKXH k bg u o k tbg bmb/ t j bmb

ocmf pbp o kbj bj t mf mfm bmf- y l mb buy mf v m trjmf v mfjg m k kb

tr mf tg p mb m tb k bg m t t kk h m m k mfjg y tbk/ kbj vcy kk kb mf trmb h m o m k bg u qu mf tb g l r mf kbj vcy b s m xu t b p tk s m xu t k kjg o

mb mf dg m pbp kb tr mf k c Mfm bmf Mj%^XMX UM tb k bg m i bj kb tmf

tr mf-

Xbmf 4 ml 3777/ Kb t kb Su m tr dcm bmb Suy t mb s 4;8*BSX,>2 v quy

mb qu m o g u bmb bj t mf igmb hjcmb mfj g b g trjmf b tb mf Mfm bmf

Mj%^XMX UM- X p trumf tbcmb tjm qu k t v [ fgcj h kb Mfm bmf Mj%^XMX UM " [ fgcj h kb k tbmb o p tbcy tb [ fgcj h kb igmb hjcmb mfj g b g/ [ fgcj h kb o

u l g v m k m g v mfj g t k c tjm b tb mf'/ [ fgcj h kb GG ibmf ol u l g

tbcmb tjm qu k t - Xg ibj m MJ[XTJ t p trumf v [ fgcj h kb- X t k kk kbg mbmb

u m g l mf [VGEX tr k tg p v g [ fgcj h kb- Kk kbg mbmb t mb tbmb pb u k

tb k bg m kk mfbg p v igmb hjcmb mfj g b g-

Ml 4>>>/ kmf v g vg k l r mf igmb hjcmb trm tb tr mf trjmf m k/ Mfm bmf Mj%^XMX UM tkb k k l r mf qucm b qu k t v igmb hjcmb g mfj g/ mb m k s

tg tr k c kk t kb k tg kbmb tm h mf qu k t mb VD/ CHD/ GECH/ mfm bmf tg

tbg t k g l g kmf mfb / j t j mbm vgm- Xg p mb m v trg m ibcg k bg u qu

1> h m m k mfj g v g t mf s v m trm 3;>> trg u Q[H kb y u u t vj ibu v k

[UXB0 BJMF MF K SQMB XTCMF 4>


22/79


igmb t mmf mfbg p/ mmf tbm- Mfjg b tb mf tbcmb tjm qu k t quc l mf [VGEX/

Mfm bmf Mj%^XMX UM tbg t o p b tb mf tbcmb tjm kbuy m tg m g m t / ly rt

tg m t mf CXL trjmf tjm b tb mf- Xg m bmb g l g tjm hg m l bmb t kb k/

l mf o g igmb hjcmb tbaj b mf tgmb fg l trumf fgcm/ tmf mmf o k kbj kk m v tr k tg p igmb hjcmb- g l g kmf tk qu m tr g u bmb/ quy trmb mfbg p v tbaj b mf

m fg m bc kk tb t k t j g u ig m tbu m o g kbj ibkb bmf- X p trumf l g mfu m

o k j t j km d mbm vgm tbaj b mf kbuym lm bc/ tmf k mf k s v t kb t i

kb t/ bg m g bc kmf mfb -

Ml 4>>3 o ml m tgm Mfm bmf Mj%^XMX UM trg m ibcg tb k bg m m tg

k k u v g kk m g humf kbmb skb o k k u o g m / omb l mb bc tg kbmb/ mmf kcj

kb t o mf tg s m k/ kbuy m g b tb mf i tjm bg m bmb tbaj kbu m l k qu k t /

g l g s p x p o g d ly t kb k tbaj l bmb MBXL bg m g tmf k mf j t j v

j t j o g km d t p trumf g l g kmf mfb mfm bmf/ xy h mf b tb mf tbmf tgm

qu m o bg m g- Dm k mb l r mf igmb hjcmb trm tb tr mf trjmf m k/ ml 4>>4/

Mfm bmf Mj%^XMX UM tg p t k tmf k mf qucm b b p tk qu k t - m ku g ml

4>>4 Mfm bmf Mj%^XMX UM o tbmb vgm k c C^TCKC/ KGKC v CDC/ trjmf X mf

Fgl k Mfm bmf Mj%^XMX UM o tbmb vgm kbmb tb k Dcm g u bmb k c C^TCKC v KGKC-

Ml 4>>;/ Mfm bmf Mj%^XMX UM y mbcmb tg m tb k bg m m Xg k

k u mb l c bj t mf k c Mfm bmf Mj%^XMX UM pbt trg m v g quy l o m kb t

o mf bg u qu kcj- U g mb mf tbmb tkb t dg t xu t s k trjmf tb g i g l g/ mf

fp tkb k k v r t k bg u qu vj s mfbg p pbt trg m igmb t x b g k c t m k/ s

mfbg p kmf mfbg p bc/ bg m g bc mmf mfbg p mmf tbm/ Kb t kb m k K mf Bc

R B g Kb Mfbc Ug t Mcl i quy t mb s 445*4>>;*S*KXM mfy >6*>1*4>>;

pbjmf t mf hcmb bg u Cmb bmf Ocj mf tb g i g l g kbj Mfm bmf Mj%^XMX UM-

Xmb m ml 4>>8/ scu 8 ml trg m ibcg tb k bg m m tg k k u fgcg j m 4>>3,

4>3>/ Mfm bmf Mj%^XMX UM t k mb mf i t qu mf ibkb o - Xmb bmb tg



23/79


kbmb k omb l mb b m quc vg k k k u o g m v tmf v m g u o / x o trm 7>!

m t m mf- L bmb t kb k t mf d k k bjm tbg m mb l tmf k mf mmf o k

qu m tr g u bmb- D ly omb j t XV m kbg mbmb k k mf k / bjm tbg m/

quy m t kb trjmf igmb hjcmb k l r mf b m-

m ku g ml 4>>1/ v m t k k c Mfm bmf Mj%^XMX UM t 6-64> t UM/

t mf tg s m k trm 37> mfm t / b m 4>>> kbg mbmb trm tjm qu k v 47-874 km d mbm

vgm "kbg l 8>! t mf s KDKMU tjm b tb mf mfm bmf Ug t Mcl'/ mf h mf kmf

mfb bg m g/ kumf k p mb mf s m pb l/ h kb v mfm bmf bjm b j-

X ml 4>>5 d mf mb mf fg g pbp lcmf tmb t pb v kkb ol l g Mfm bmf

Mj%^XMX UM tb k s ib g s k- m ku g ml 4>>6/ t mf tg s m t ;41-2>4 t mf t mf mf v g 4> t Q[H f p f m 44> o m sj v g mfy u tbmb o p- X mf h m kbj

vcy m m igmb t t 484-3>4 t mf trjmf kbj vcy mmf mfbg p mmf tbm kbg l trm

6>! v g trm 3> trg u b fgc mb/ kbj vcy hjcmb mfbg p mb v v c kbg l trm ;5! v g

f m ; v m hjcmb mfbg p h m - X mf mfu m v m 471->82 t mf v f m mb bjm tjm

o v m buy mf-

m mcy/ k tb mg Mfm bmf Mj%^XMX UM o MBXL bmf u fg vcg tr kb j v kb o k trjmf u t v m pbt trg m igmb t mmf mfbg p/ mmf tbm kmf mb g

v g kk omb v k ibk k c m m igmb t Ug t Mcl- O mfm bmf oum kb tr mf u t g

l g v mf h mf kmf mfb mfm bmf pb k v k o k kbj kmf tk qu m tr igmb hjcmb

v pbt trg m l mf o g h kb v mfm bmf tgm tg m- Mfm bmf Mj%^XMX UM o mfm

bmf u tgm bjm tbmb fgcg j m 3 h m bg m g bc b tb mf tbcmb tjm v i tjm

ibkb bmf "G^KC[' hj Mfm bmf Xb fg g tg tr v cmf tkb k k trg m ibcg fgcg j m GG

k c h m my- Bg m Mfm bmf Mj%^XMX UM vg tmb bc bj t mf igmb hjcmb t Xr s kbmb m b u b t kk kbg mbmb trjmf tjm qu k9 v l t b tb mf kk h kb v

mfm bmf f l h kb v kbuy m tg m g m t / h kb v tbcmb tjm tb tm h mf qu k t / h kb

v CXL/ h kb v tbcmb tjm qu k t quc l mf [VGEX- Mfm bmf Mj%^XMX UM o

tbmb vgm Bg p b g Xm h mf Mmf mfbg p Mmf tbm Kbu Xbg Dmb H mf



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"C^TCKC'/ Bg p b g Xm h mf Mmf mfbg p Su k t "KGKC' v Bg p b g Mfm bmf

Kbu "CDC' 9 mf kcg t kb k mbg u b g mfb qu k t o m mb B g mfb ECJ ml

3773/ B g mfb C^TCKC ml 3775 v ml 4>>8/ B g mfb tm h mf mmf mfbg p qu k t

KGKC ml 4>>3/ B g mfb C^TCKC v tb y s m ml 4>>4- X mf s h m m k mfjg/ t dg t o h m k c VD/ CHD/ CEH/ l Mfm bmf Mj%^XMX UM tg p mb m v trg m

ibcg o 3>; h m v g t mf s v m trm ;/5 t Q[H/ trjmf fg g mfm quc Mj%^XMX UM

o 4/6 t Q[H v fg g mfm k 3/3 t Q[H- Bg m mcy Mfm bmf Mj%^XMX UM k

qucm b g o v g 767 mfm bmf g o t g 33; qu k fgc v vmf omb tb / o tbmb vgm

k c mbg u t kb k/ bg p b g tm h mf k uy tm o m- Ml 4>>2 o ml fbg h u kb mf

mf 4> ml xy h mf v tr mf tbmb k c Mfm bmf Mj%^XMX UM v kmf o ml k

tmb quy t mb trjmf tg m trmb b g mb p igmb t qu k t tbaj kb tr mf k c mf/ Kbmb pb - Xrjmf Mfm bmf Mj%^XMX UM s tr tbmb X p jm tg kbmb c mfmb/

c s b u/ bj t mf c omb v k-Xg p t k fg vcg tr kb j/ kb o k trm tb tr mf tg

kbmb mmf tbm/ oum o mf g d m mf bmb tb y kbumf tgm k y k c 3> trg u b fgc mb-

4-3-4 mb b mf pbt trg m 0

U g pb mf kbl v s tb mb v mf v pbt trg m d m v mf k c ibkb bmf v mfm

bmf/ l k tgu k c Mfm bmf Mj%^XMX UM o tg p t k fg v mf v tr MBXL bmf u

Ug t Mcl tgm tg m trjmf ibu v k v k uy tm kcj trm tr mf qu k t - Mfm bmf

Mj%^XMX UM igm tr v g mb b mf kbg m o k pbt trg m o0 tg p t k trg m ibcg l mb

l m tg k k u/ kbu m d g u ig m k pb m bc- l d j y mbcmb tg m trmb

b g mb p ibu v k v qu k t / tmf k mf b p tk/ trcmb tb t g c s b tr v tg kbmb/

i tbu t/ kmf mfb tgm tg m k c kk m k/ kk t kb k tg kbmb , mfm bmf qu k t

l d j bj t mf t bg u qu kcj/ m mb v pbt trg m d m v mf-

X p trumf s k tjm b tb mf/ tb k bg m d mf k mb mf m g humf k d m tbaj tg m

m tg k k u o g Mfm bmf Mj%^XMX UM fgcg j m 4>>3,4>3> k Kbmb

pb pb huy t v t p trumf xy h mf Mfm bmf Mj%^XMX UM tbmb t p jm tg kbmb9

kbu m d l g g u ig m tb k bg m k pb m bc9 tg p t k huy tr t k tmf tr mf

[UXB0 BJMF MF K SQMB XTCMF 4;


25/79


l k b p o/ l d j km g/ cm tjm v ib mmf sgmb o g9 p mf k yu k u

kbuy m h kb k k u s m xu t mmf mfbg p/ mmf tbm/ l r mf v mmf kcj kb t o mf

h kb v mfm bmf mmf o k k mb trcmb9 t p trumf u t / j t j mfu m mbm o k/ g

l g kmf mfb mfm bmf tbaj b mf bg m g bc/ mmf kcj mmf o k tg kbmb v pbt trg m fg tr tb mf bg u trm k s y l mb v i t b p v g vm bc hjcmb mfbg p-

^b m u tmf t mf mfu m v m t 41,42!*ml/ t mf h m t 4>,41!*ml/ trjmf

t tr mf tm h mf trumf hg b m t g c kbg l 81! t mf h m trm k s km g mfu m

v m kbj pbp/ m qu b m h g 3! t mf h m / o g mbu m t g tbg u tmf 3>!- X p trumf

u t kbj b tb mf tgm b k trm k s y mbcmb t k tb k bg m t j rc mbg u s m

pb l p mf g u bmb v pb k v mbg u tg m kb tbu bt ibkb bmf- X p trumf trg m

ibcg tb k bg m m tg k k u Mfm bmf Mj%^XMX UM fgcg j m 4>>3,4>3>/ xy h mf

tbmb t p jm tg kbmb v tb k bg m t t k pb m bc tbaj mf o trmb k Xb

t mf Kbmb pb pb huy t- Ry h mf v bjm tbg m kk m0 m tg k k u o g Mfm

bmf Mj%^XMX UM fgcg j m 4>>3,4>3>/ m k pb m bc Mfm bmf Mj%^XMX UM

vj ml 4>>7- Ry h mf mfm bmf tbaj l bmb mbm bmf 4 k p qu m o t p trumf tbmb

kk l bmb t kb k qu m o tbaj mbl ibkb bmf v oj g s m pb l h kb v -

Xrg m ibcg kk dg m pbp pbmf mf c r g rj mb l l d j kbj bj t mf k c mfm

bmf k cm tjm/ bg u qu / d m v mf- Ml 4>>2 o ml h u l k k k i qucm tr mf g

v g Mfm bmf Mj%^XMX UM/ l t d k mfj k trjmf kb mf mf b mf t g l t t p

jm mfm bmf tg kbmb bmf u Ug t Mcl- Bj t mf 4> ml quc k c Mfm bmf

Mj%^XMX UM tr g quc mbg u d k tbmf tr l/ y kmf o tb g fgcm t v t om kbmb

lmb ib mf mb tb mf bg u v tl b mf g l g- Ml 4>>2/ scu l t ml Ug t Mcl

o tbmb vgm k c t kb k VXJ/ s k p k c o trmb l k c m m igmb t / trjmf k omb

v k h kb v tg kbmb mfm bmf mfy kmf o m/ tr k vg k kk MBXL Mb m k o m

o t k k pb m bc/ Mfm bmf Mj%^XMX UM k m k d k t pb t m t g v tg p

t k pbt trg m- t pb trjmf qu m tr g u bmb o l k tgu s l t mb l t j o k y kbj

qu trmb tg k k u v b g mb p- o qu trmb k g kkb mf d d t u t k k u d

ly t kb k k c tr s kbmb/ b tb mf l mf o g kbg mbmb tbaj b mf tgmb f m/ kbuym



26/79


lm bc/ bg u qu pb b p v g yu k u igmb hjcmb/ qu m o tbaj l bmb t p jm- g

l g km d m v t huy v pb mf pbp qu m tr g u bmb/ bjm tbg m k kb / quy kb

g u bmb igmb hjcmb tbaj Ou t hjcmb mfbg p v tbmf o qu k t - Omb v k kmf mfb

tbmf tgm kmf o l t trjmf mb mf u tgm bmf u mb l y mbcmb vg k l r mf/ mmf kcj kb t o mf kk s m pb l h kb v / tmf k mf tbmf tgm qu m o v ig l sjt bj t

mf- mf tb g Mfm bmf Mj%^XMX UM t l k tgu mmf kcj mmf o k tg kbmb v

pbt trg m fg tr tb mf bg u trm k s y l mb v i t b p v g vm bc hjcmb mfbg p9

p mf k yu k u kbuy m h kb k k u s m xu t mmf mfbg p/ mmf tbm9 h kb v

mfm bmf mmf o k k mb trcmb9 t p trumf u t / j t j mfu m mbm o k/ g l g

kmf mfb mfm bmf tbaj b mf bg m g bc/ pbt trg m v b g mb p-

4-3-; Mb mf tbmf tgm kbmb v Mfm bmf Mj%^XMX UM 0

4-3-;-3 Xr s kbmb0

, Xm vg t t t0 CFTGDCMI

, Xm fgcj h kb qu k t 0 UgatMcl Dcmi Ejr Cfrgkuotura cmh Turco Havaojplamt

"vg t t t o UDCTH'-

, c kb 0 s 4 Omf B / Dc mb/ B M g , Xao0 >8 2;3;578 2;3;6;; 2;3;63>-

, Ecx0 >8 2;3;636 2;3;637

, Vadsgta0bachjeegkaNcfrgdcmi-kjl-vm

4-3-;-4 Xrumf tl tb 0

, c kb 0 Xc mb K;/ ^b mf Og t/ mf Fg g ^bmf/ Su m Xbcmb Rum/ B

M g-

, Xao0 >8 25268;6 252673;

, Ecx0 >8 252673>

, Vadsgta0kcrhsarvgkaNcfrgdcmi-kjl-vm

mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]


27/79


4-3-;-; Dcm tbmf tgm truy m tbmf 0

, c kb 0 [ 4 Omf B / Dc mb/ B M g

, Xao0 >8 2;3;578 664;482

, Ecx0 >8 6644;53

, Vadsgta0gmejkamtarNcfrgdcmi-kjl-vm

4-3-;-8 Su m tr Vadsgta 0 wadlcstarNcfrgdcmi-kjl-vm

4-4 Fg g tbg u v Mfm bmf Mj%^XMX UM kbg mbmb mf [g Fm 0

4-4-3 Su trmb bmb tbmb v pbt trg m 0

Xg m tbm k c Mfm bmf Mj%^XMX UM kbg mbmb mf [g Fm o kbg mbmb Mfm

bmf Mj%^XMX UM S4/ k tkb rc t Mfm bmf Mj%^XMX UM Xb k- Mfm bmf

Mj%^XMX UM kbg mbmb mf [g Fm k tbmb o p tbaj quy t mb s ;73*MBMj,>4

mfy >2*>6*3772 k c X mf fgl k Mfm bmf Mj%^XMX UM-

mf [g Fm o m v igmb hjcmb b kb tjm k o p/ bj t mf v g tm fgcj h kb

jmf [cg Fjm Dcmkb Dcmi Ejr Cfrgkuotura Turco cmh Havaojplamt-

, Xr s 0 7 Xr m Mj/ pb mf Dmb Cm/ S4/ Xp-BKL-

, Xao0 >2 6831352 68>5224 , 68>>;66

, Ecx0 >2 6831363 6831418

, Alcgo0 CfrgdcmihsfNycbjj-kjl

Ibg l g tbmb o p Mfm bmf Mj%^XMX UM kbg mbmb mf [g Fm mb m dm fgcj

t kbg mbmb Mfm bmf Mj%^XMX UM Xb k v g t mf h m o 8/7 t mf v mfu m

v m d mf >- m mcy/ scu f m 3> ml bj t mf t mf mfu m v m buy mf k c kbg mbmb

mf [g Fm b m ;/1 mfm t mf/ h m f m b m ; mfm t mf/ t k tmf tr mf

dmb qum ml0 mfu m v m0 3>!*ml/ t o m qu b m h g 3!*t mf h m -

mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]


28/79


l r mf l mf o g pb k v / tbu bt kk t mf o p hm k v kk hjcmb mfbg p/

mf tb g k s kb p tbu m k c X mf fgl k Mfm bmf Mj%^XMX UM m mcy

Mfm bmf Mj%^XMX UM kbg mbmb mf [g Fm l r mf k 8 pbmf fgcj h kb

mb scu0

, Xb k bg m vm d m s 335;*MBMM,XKKD mfy 3;*>1*4>>; v vm d m s

447>*MBMM,XKKD mfy 41*>6*4>>; k c X mf fgl k Mfm bmf Mj%^XMX UM kb p

tbu m l pbmf fgcj h kb Dmb b tr k tbu k Mfm bmf Mj%^XMX UM kbg mbmb mf

[g Fm-

, Xb k bg m vm d m s 4473*MBMM,XKKD mfy 41*>6*4>>; k c X mf fgl k

Mfm bmf Mj%^XMX UM kb p tbu m l pbmf fgcj h kb IKM Kt Og tr k tbu k Mfm

bmf Mj%^XMX UM kbg mbmb mf [g Fm-

, Xb k bg m vm d m s 8>62*MBMM,XKKD mfy 36*3>*4>>; k c X mf fgl k

Mfm bmf Mj%^XMX UM kb p tbu m l pbmf fgcj h kb s ; tr k tbu k Mfm bmf

Mj%^XMX UM kbg mbmb mf [g Fm-

, Xb k bg m vm d m 84*S*MBMj,XKKD mfy 35*>3*4>>6 k c X mf fgl k

Mfm bmf Mj%^XMX UM kb p tbu m l pbmf fgcj h kb s 5 tr k tbu k Mfm bmf

Mj%^XMX UM kbg mbmb mf [g Fm-



29/79


4-4-4 X kb k d ly k c kbg mbmb 0

4-4-; Kk s m pb l h kb v kbmb 0

, Buy mf v m d mf mf Ug t Mcl/ mfj g t tbmf quc tg m f g k c ibkb bmf-

, [ h mf v m d mf mf Ug t Mcl v mfjcg t 0 kumf k p tm h mf mf m b m

trumf b m hg b m/ kbj vcy tgu hmf pb k v g s mf/ kbj vcy k l k kk kb mf t k

fg/ tg tr kk bj t mf xu t mb p ib u/ u t / bm v m-

, Kk h kb v trumf fgcm0 tbcmb tjm qu k t quc l mf tbcmb tjm tjm k u [VGEX/

igmb hjcmb luc dm mfj g t v ol h kb v ig u b g/ tb k bg m kk h kb v d j omb

mb 0 d j omb h tb u/ d j omb tbcmb tjm/ d j omb d j bmb kmf trmb/ d j omb kb t


Fgl k

^bmf tkb k mbm

s

^bmfmfbg p

vigmb

hjcmb

^-fgl k ^-fgl k ^-fgl k

^bmffgcjh kb

Kt Og

^bmfi tjm

mfmqu vg mtjm

^bmfig lsjt

^bmffgcj

h kb s ;

^bmfh kb

v kks m

pb l

^bmffgcjh kbDmb^b

^bmfbmbkbmb

^bmf ibj kb t mf

b

^bmf fgcjh kb s 5

^bmftbcmbtjmqu k

t


30/79


o mf s m pb l/ d j omb vcy v m trjmf m k v mfjg m k---/ tbcmb tjm kbuy m tg m

g m t -

, ^bt bmb v tbcmb tjm tb tm h mf v tb fbg m -

4-4-8 Kb k mmf/ mbg l v k c kk pbmf dcm 0

Dcm Fgl k0 F l 3 Fgl k v ; b Fgl k v g kk mbg l v 0 t kb k/ kb

j/ g u bmb kk bj t mf igmb hjcmb k c mfm bmf/ kb u trkb mbg l v kk v m

ogm qucm- mf tb g qu m o/ ig l trc/ m k mbm vgm h g quy m tb k bg m mf

tbaj kb kbmb skb Mb m k rc-

Fgl k mfjg mbg l v qu m o kbumf km tr k tg p qu m o pbmf Ig l [jt/ pbmf X kb k Bmb kbmb Mbm s / pbmf Mfu m v m I bj kb t mf b p-

^b Fgl k G0 pb trkb pbmf I tjm , Mfm qu v pbmf fgcj h kb s ;-

^b Fgl k GG0 pb trkb pbmf Xm h mf v pbmf fgcj h kb Kt Og-

^b Fgl k GGG0 pb trkb pbmf fgcj h kb Dmb ^b-

4-4-8-3 ^bmf I tjm Mfm qu 0

Xr k tg p b kb tjm i tjm/ b kb tjm tb mf i/ v tbcmb tjm tbaj quy mb k c

MBMM/ Mfm bmf Mj%^XMX UM- Ry h mf kb tgu i bj kb tg kbmb/ quy t tjm i

bj kb tbu/ kbg tg kbmb/ qu tg m o mf g v g kk kbg mbmb trm c dm trmb Mfm bmf

Mmf Mfbg p k p trm pb huy t- Su m o v s h mf kk qu kbuym hmf tbaj quy mb

k c Mfm bmf Mj%^XMX trm c dm- X mf b p/ o u tr b s tg og u v i bj kb/ i

tjm/ quy t tjm v kk dj kj tbaj quy mb- Xb k bg m kk ibj m m p M[MM tbaj ou t

mb- Xb k bg m mfbg p v tbcmb tjm trjmf v mfjg m k- Kb p bmb quy mb v cm

tjm ibj qu v mb l k t m qu tbaj quy mb- Su m o/ s h mf tbg t d tbmf tgm/ g m

tjm pb k v mfbg p v igmb hjcmb tbaj quy mb k c Mfm bmf Mj%^XMX UM- Kb p

bmb kb dj kj v ig l trc kbuym - X mf b p/ tb mf i v o u tr s og u/ tbmf



31/79


tgm ogm qucm m bj t mf k c kbg mbmb- R o kk mfbg p v pbt sgmb ogm qucm m

b kb tjm i tjm/ i tjm tb mf i/ b kb tjm mfbg p v tm h mf v kk bj t mf ibk

pb k v kbj bj t mf s m xu t igmb hjcmb- Kb p bmb kb dj kj/ tb mf i v kumf

k p kk s og u/ tbmf tgm tbaj quy mb- Su m o/ d j h mf v s c kb c ly lk tbg t d tgm b k-

Xr k tg p trg m ibcg mfbg p v tb trm c dm tbaj quy mb k c Mfm bmf

Mj%^XMX UM- Xb k bg m qu m o/ fgl st mfbg p v tbcmb tjm tb tbaj quy mb k c

Mfm bmf Mj%^XMX UM- Xbcl l u kbj Fgl k kbg mbmb pbt trg m l mf o g g

o v kb tb - Su m o fgl st b tb mf tbg t d u ku g/ fg g p tb k l k k c ibkb

bmf/ x o trcmb kb p/ ibg u m g pbt sgmb k ogm qucm m bj t mf igmb hjcmb tb

tbu k c dm pb l vg qu m o-

4-4-8-4 ^bmf Xm h mf 0

Mfbgm k u xy h mf kbg m o k ibkb bmf tm h mf/ pbm oj g ibkb bmf v

xu t kk kbmb skb u g g v g t mf oj g ibkb bmf- ^bm tkb igmb t tbaj mfmb/

mfb igmb t i tbu t/ hcmb l k ibkb bmf o c kb m dg m pbp kbj vcy cm tjm v t

bg u qu kcj- Xb l mb v xu t kbj vcy kk h m tm h mf tbaj pbm k p y quy m- Xg p mb m v tb k bg m kk kb mf trmb/ h m trjmf m k/ m k mfjg- Xr k tg p ol

h kb v y tbk mfu m v m tbu k Kbmb pb / d / mfmb ibk v kk t kb k igmb t / k

mbm trjmf v mfjg m k- Xb mf xuym pbm oj g h m / pbm tkb m qu b m/ tl

mfuym mbm v xu t b mf ib k pb k- Fgp Fgl k kbg mbmb kb j/ ig l trc

bj t mf tm h mf k c kk kbg mbmb tr k tbu k trm c dm- X mf b p/ dj kj v ig l

trc kbuym tbaj quy mb-

Xb k bg m kk mfbg p v igmb hjcmb mfj g t "luc/ dm/ kbuy m g' tbcmb tjm

qu k t tr k tg p tbaj quy mb- Xg m bmb kmf tk tbcmb tjm qu k t tbmf quc l mf

[VGEX Mfm bmf Mj%^XMX UM- Xb k bg m kk mfbg p v tm h mf/ d j omb mfj g t

[UXB0 BJMF MF K SQMB XTCMF ;>


32/79


k ogm qucm m tbcmb tjm qu k t / kk h kb v ig u b g v kbuy m tg m/ l tg ibj m

m k mfjg-

4-4-8-; ^bmf X kb k Bmb kbmb Mbm s 0

Ry h mf kb mf trmb kmf tk bmf tbmf/ qu k c kbg mbmb v k trkb mbg l

tb mf xuym m k vg k tb k bg m kb mf trmb k fgl k kbg mbmb pb

huy t-

Xrg m ibcg kb mf trmb fgcj dcm m g d kbg mbmb v kk mbmb Mfm bmf

Mj%^XMX tr k tbu k trm c dm- Xr k tg p ol tb i t mf b p kbj Fgl k Mfm

bmf Mj%^XMX- X v m pbp kb trjmf vg k tb k tbg kk mbg l v k tb v fgcj i t b p mf/ bj t mf t t mf/ trcmb k p hm s / bmb s / igmb t / ocj mf/ bmb kbmb ogm

qucm m km d / mbm vgm v tg s m k c kbg mbmb- Xb k tbg pbp ou t k ogm qucm m

cm mgmb/ tr t t / pbmf kby/ m t g k qucm- O u tr kk vm d m pbp ou t k ogm qucm

m mfm bmf v vm d m mb kb k c Mfm bmf Mj%^XMX UM- u l g fgcj tg p v g

ibkb m ol vg k/ kmf tk t g kbg mbmb- Xr k tg p qu m o kjm h u k c kbg mbmb/ tb k

bg m kmf tk bmb kbmb/ vm tb / o tm/ pb mf tg m fgcj tbmf/ d j v / y t k c kbg

mbmb- Xb k bg m kmf tk xy h mf k d m/ s c kb c X[K/ luc s l kmf k ocj mf/ qu m o mb t p tb / mb ibkb/ mb mfb k c k qucm- u l g trjmf vg k kbl oj g

s mf v t kb t/ vm bc tgmb tb m v tbl b g l cu/ bg u/ b km d / mbm vgm- Ry

h mf quy mb o o g ol vg k trjmf m v v l g qucm b v g t kb k mf/ kmf jm/

kbg mbmb tr k tbu k trm c dm- xu t mb l k ocj mf/ fgcj ibjm qu tg m o mf

m kk kbg mbmb Mfm bmf Mj%^XMX tr k tbu k trm c dm tbaj quy kb ibjm tg

kbmb k c Mfm bmf Mj%^XMX UM- Xb k bg m kmf tk quy bj kb km d / xu t k

km d / mbm vgm g kmf tk/ b k t p trjmf v mfjg m k- X mf b p/ tbaj hg tb mf xuym km d / mbm vgm k quy bj kb/ j t j- xu t/ bjm tbg m v o u tr b s

tbaj quy mb k c Mb m k/ mf/ MBMM trjmf vg k d mbg l/ lg m mbg l/ ibam

tb mf/ i ou t km d / mbm vgm trjmf pb l vg pbm k p y quy m k c X mf fgl k

Mfm bmf Mj%^XMX UM- Xr k tg p qu m o b s km d tbu k kbg mbmb qu m o v

[UXB0 BJMF MF K SQMB XTCMF ;3


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bjm t t b s / kb g v g km d mfb b u/ mfb kb tbaj quy mb k c Mb m k/

k c mfmb mfm bmf- Xb k bg m kmf tk tbg uc/ ibam tb mf k c kbg mbmb/ kb p bmb

kmf tk dj kj tb mf i/ ig l trc kbuym -

4-4-8-8 ^bmf Ig l sjt 0

Ry h mf kmf trmb kmf tk ml/ qu pb b p v g kb mf trmb kmf tk ig l trc/

ig l tjm k c Mfm bmf Mj%^XMX UM v k g l k tb k c m v lmb- Xum tb

tuy t g s kb j mfbg p v ig l trc/ ig l tjm- X kb k tb k bg m ig l trc/ ig l

tjm tbaj k mf/ kb mf trmb kmf tk ig l trc/ ig l tjm k c Mfm bmf Mj%^XMX

UM v i bj kb k c m v / ig l tjm mb l l d j cm tjm trjmf bj t mf igmb

hjcmb mfcy t g b g s v kk kbg mbmb pb tbu k- Xb k bg m s i t/ t mf i t kbuym tbaj mb i bmf tbmf/ qu/ 5 tbmf/ ml- X kb k fgcj dcm bmf tbmf g v g kk ig l

trc vgm kbg mbmb mfm bmf k p 4- X mf b p v dj kj i p tb g kk i t qu ig l trc/

ig l tjm/ vg k kb mb s c kk t m t g tbg u st k c kbg mbmb/ m v lmb tbaj mb i

f g t ig l trc/ ig l tjm vm pbmf g hg m v dcm ig l trc/ ig l tjm m g d - Bmf

tbmf k dj kj mbcmb v kk kmf tk kb j g u bmb bj t mf ig l trc/ ig l tjm

k c lmb f g v dcm ig l trc/ ig l tjm m g d - X kb k ig l trc/ xk lgmb/ tbcl l u

kbj fgl k fg g quy t m tb tbu k tb l quy m- Ol mbg l v tb mf tr k dcm

kb mf tbcl mbmf/ tbcl / omf pb v tb k bmb tg t ig l t g m v lmb-

4-4-8-1 ^bmf Mfu m v m I bj kb X mf b p 0

Mfbgm k u xu t kbg m o k ibkb bmf/ kbg m o k buy mf v m t g c

pb mf- Ry h mf i bj kb igmb hjcmb mf m/ trumf v hg b m tbaj mb b mf igmb

hjcmb k c Mfm bmf Mj%^XMX UM- X mf b p/ tbaj hg kk kb tgu i bj kb igmb hjcmb v quy t tjm i tjm m kk kbg mbmb trm c dm- Km g mfu m v m/ pbm tkb bj t

mf igmb hjcmb qu/ ml- H tb j kk dj kj s i t/ t mf i t- u l g tb k bg m

tbmf tgm pbmf mf c r g rj tm h mf/ t mf b p dj kj tbaj kbuym tbaj quy mb-

4-;Fg g tbg u v pbmf fgcj h kb s ;0



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4-;-3 Su trmb bmb tbmb v pbt trg m0

^bmf fgcj h kb s ; tr k tbu k Mfm bmf Mj%^XMX UM kbg mbmb mf [g Fm-

Xbmb o p mfy 4>*3>*4>>4 tbaj quy t mb s 0 ;423*MBMj,[F/ ok dcm u pbmf t

t g Xrumf Xl U t Og u Ry H mf [gu Xb KjTc Lg m mf s 3;2C mf X Bg m

Xbmb , Su m 3> X^-BKL- U m mfy 3>*34*4>>8 pbmf tbcy g c kb tbaj quy t

mb s 0 2>1*MBMj,[F v mf t g s 44 mf Xb j g m Su m 4 X^-BKL-

, Xr s 0 s 44 Xb j g m , - Xb j g m , S-4

, Xao0 >2 18>43;48

, Ecx0 >2 18>43;48

U g g mf mbm vgm k j t j kbuym lm bc/ mf h mf kmf mfb mfm

bmf bg m g pbmf fgcj h kb s ; k mb mf mf fp v mb mf d k pbt trg m tkb

k k- m mcy/ t mf mfu m v m o 13; t mf/ h m t f m ;>> t mf- U g k k u

mbm s mb scu0

, >3 Fgl k bmf0 b trkb kbumf v pb trkb tr k tg p mfbg p v tm h mf

v mfu m v m- , >3 b Fgl k bmf0 b trkb mfbg p v i tjm , ibj qu -

, >3 X tr mf t tm h mf0 igl ol kmf tk tm h mf-

, >4 Km d 0 Ol kmf tk tm h mf-

, >3 X tr mf t i tjm0 Igl ol kmf tk i tjm-

, >4 Km d 0 Ol kmf tk i tjm-

, >4 Km d 0 Ig l mfm-

4-;-4 X kb k d ly k c pbmf fgcj h kb s ; 0

[UXB0 BJMF MF K SQMB XTCMF ;;


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KB MF ; 0

MB FG XB K XT MF KMF XK BQW MF U M X G

MFM BMF MMF MFBG ^ U ^BX XTG M MMF XBM

UG X MCL KBG MBMB MF [G FM BG M MCW0

;-3 Xb k tr mf kmf tk buy mf v m t g mfm bmf Mj%^XMX UM kbg mbmb mf [g

Fm ml 4>>70

;-3-3 Xmb bmb kbumf v kmf tk buy mf v m 0

Mfm bmf bj t mf ibmf pb g d mf mfu m v m t k l kb y u d mf mfu m

v m buy mf/ hj v y bj t mf buy mf v m oum k kjg o mbg l v tr mf tl v

u tgm bmf u- Kbg mbmb mf [g Fm v g v tr c o tbu m o g/ trjmf ibu hm k / m g

k mbg u hjcmb mfbg p bj t mf/ m m igmb t cmf pbt trg m l mb kmf v g vg k mfm bmf kb mf mmf kcj kk kbmb skb buy mf v h kb v / g mf mbm vgm fgu igmb

mfbg l/ mbg t tmb- Mfm bmf k mb mf tbmb t u mf i trjmf kmf tk buy mf

v m k c lmb-

" m v tmb0 trg u mf'


Fgl k

^-Fgl k

X tm h mf X i tjm


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KB XGQ Ml 4>>5 Ml 4>>6 Xmf*fg l Ml 4>>2 Xmf*fg lX mf mfu m v m 4-;15-637 4-7;1-;7> )162-563 8-412-5;4 )3-;4;-484U m buy mf 3-715-125 4-111-541 )177->;7 ;-141->>> )757-;61X o ! 2;/>4! 26/>5! 24/66!

"Mfu m0 Mfm bmf Mj % ^XMX UM kbg mbmb mf [g Fm'

D mf >30 X o v m buy mf trjmf t mf mfu m v m quc kk ml

Suc d mf trm tc tb y sj v g t mf mfu m v m bj t mf igmb hjcmb tb o mf v m

buy mf k c kbg mbmb mfy kmf tmf- X tr mf v m buy mf trjmf t mf mfu m v m

ml 4>>6 o 26/>5!/ tmf ;>/54! sj v g ml 4>>5- [cmf ml 4>>2 tmf 757-;61 trg u

mf t mf mf ;6/7;! v kbg l t tr mf trjmf t mf mfu m v m o 24/66!- M u sj

smb v g ml 4>>5 tb v m buy mf ml 4>>2 tmf 3-152-838 trg u mf/ t mf mf

2>/35!-

Mbm vj l t d mf kbumf tb o mf v m buy mf k c mfm bmf u tmf quc kk

ml/ tuy mbgm quc s og u trm d mf >3 tc tb y v m buy mf trjmf ml 4>>6 tmf v

kbg l t tr mf kcj trjmf t mf mfu m v m- Suc ml 4>>2/ tmb bmb igmb t trjmf m k v

tb fg g k mbg u dg m mf pb k t p mb 0 kb s fg tgu hmf tmf kcj trjmf kk tbmf

u ml/ og su t buy mf v kbj vcy tbcy g ogm t k/ mb mf ib ibm mb

b mf m o mf v m buy mf k c kbg mbmb/ t tr mf mfu m v m buy mf trm t mf

mfu m v m sj v g ml 4>>6 fg l 8/47-

Xuy mbgm l k buy mf k c kbg mbmb ibmf fg l l mf k o g v m fg v mf v

tg p t k tmf- g u kbj tb y kbg mbmb tb k bg m r t tbmb kmf kmf tk v kbmb

skb buy mf v m/ tbu bt k mbg u mfu m ibk mbcu/ fgp kbg mbmb k v m tb k

bg m bj t mf igmb hjcmb k c lmb v ib mf mb buy mf v m o mfu m qucm tr mf d k mb t kbj bj t mf k c kbg mbmb-

;-3-4 Kbmb skb buy mf v m kbg mbmb p h mf0

;-3-4-3 Kbmb skb lcriatgmf v tbu bt ibkb bmf 0



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Kbg mbmb r t qucm tl m vg k tbu bt ibkb bmf/ m fgcj h kb v t qucm b /

ibmf kb o ibkb bmf truy m tb mf/ l km k k ibkb bmf tg l mmf/ kk hjcmb

mfbg p o m trm c dm-Kbmb skb lcriatgmf mfy kmf k kk MBXL qucm tl v y

l mb tb k bg m- Hj kbg mbmb kb c k pbmf kb k mmf rgmf kbj kmf tk lcriatgmf mm kmf tk my hj pbmf I bj kb t mf b p tb k bg m-

Xbmf quc kk pb mf tg m g kbmf/ dj kb/ gmtarmat/ kbg mbmb qu mf d r mf

rg bmb mb k c lmb m v g ibkb bmf- X j l g g u ig m kbj ibkb bmf ol quam

v g kk h kb v mf m bmf v mb m tb k k tg m kb k c mb mf s m pb l h kb v l

mfm bmf kumf k p- Suc ibuy m ibkb ibkb bmf f g tg m vj kbg mbmb tbmf quc

kk bmb tb k tg t ig l h tb mf/ tg t ig l d k tbcmf

;-3-4-4 Kbmb skb v l r mf l mf o g fgcj h kb 0

Mfcy t mfy u l g tbmb o p v g vj bj t mf kbg mbmb mf [g Fm oum

qucm tl t g vg k l r mf l mf o g tr k tbu k v pbmf fgcj h kb- Mb kbmf tc

dg t/ kbj m dy fg kbg mbmb k 8 pbmf fgcj h kb0 pbmf fgcj h kb s 5/ pbmf fgcj

h kb s ;/ pbmf fgcj h kb IKM Kt Og/ pbmf fgcj h kb Dmb ^b- Bg m mcy/ kbg mbmb

cmf k i bj kb l tbl mbg u pbmf fgcj h kb ibk m c-

Kbg mbmb bj t mf mfy kmf k bg u qu / v t ib mf mb k s k l mb k c

lmb kmf mb s t kb v tg kbmb trjmf bj t mf igmb hjcmb- g u my kb mf t

mfm bmf t j k mg l tgm v g ibkb bmf/ t j tg m kbj vg k tb k bg m tbmb

kmf kbmb skb buy mf v m l kbg mbmb rc-

;-3-4-; X kb k v j t j km d mbm vgm 0

L t mfm bmf lu m bj t mf t t/ ibmf kb pb tbu k vj kbmb skb k c mfm

bmf/ l mf o g mfm bmf r mf ib p l km pb tbu k tr k tg p vj mbm t kjm mf g-

L t mbm vgm vug v / k trmb kbuym lm kcj/ t m tmb v g ibkb bmf s t j k

m t mf t t/ kbmb o o c kb m u tgm ibg ibkb bmf lu m f g bcy vcy tg m-



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Kbmb v v y/ kbg mbmb mfy kmf qucm tl t g kmf tk j t j km d vgm kb k

kmf mb kmf tk tuy m kb m mfcy t u vj/ bg m t g trjmf qu trmb bj t mf k c

lmb kbg mbmb tb mf xuym k km d g b k kk o p mfbg p v kcj k p hj mfm

bmf Mj%^XMX UM bj k MBMM t kb k- X / mmf kcj trmb kbuym lm mfbg p v / t dg t o trmb mfj g mf - fp pb m tb k bg m vm bc hjcmb mfbg p

CFTGDCMI v g m g humf l Dcm omb j rc v t mf i t trjmf 3> kb 0 Xrumf

tb k/ i k mf/ smf t j/ kb t o mf/ bg u qu

;-3-4-8 Mmf k p b tb mf kmf mfb tbmf tgm/ h kb v / tg m kb 0

mf tr k s k mb trcmb mfy kmf fy f t/ kmf v g s tg m d v t d k trjmf

omb v k kmf mfb tbmf tgm/ kbg mbmb mf [g Fm tg m bmb o p t l mf ly tmb m g d kbj t t k pbmf dcm trjmf kbg mbmb/ m g l mf gmtarmat/ t j tbu m o g trjmf trcj

g tbmf tgm v g kk m v mfjg kbg mbmb- Dm k mb kbg mbmb km qucm tl t g vg k

l r mf l mf o g fgcj h kb trm k s l mf g m t gmtarmat mb t v m/ kumf k p h kb

v kbuy m tg m ogm mfm bmf v g kk mfm bmf trjmf v mfjg b tb mf-

t dg t/ kbg mbmb i t b p v g mfm bmf Mj%^XMX UM kumf k p h kb v rt

tg m t mf "hmf tb rt tg m quc l mf CXL'- U g mb mf h kb v mfy kmf bjm tbg m v c mmf kbg mbmb tbu bt k s qucm tl k c ibkb bmf/ fp pb m fgp kbg

mbmb tb k bg m tbmb kmf kbmb skb buy mf v m-

;-3-; K k u mfu m v m buy mf0

;-3-;-3 ^bm tbaj tbmb pb m igmb t 0

g v g mfbg p v buy mf v m/ vg k xk mb l t kkb kbmb xk/ y v tr mf tl kk mfu m bmb tbmb mm mfu m v m o v kmf qucm tr mf/ d g v m ogm qucm m

bmf oj t kk y u t / m g humf k c vg k bj kb mb kbmb skb buy mf v m/ i bj kb

bj t mf igmb hjcmb k c mfm bmf- Rk mb k mfu m vj t s g u tg t k



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ou mf tg m scj kbj b p o/ l d j k tmb tbcmb ibj m l k kcj mb t- K k u

mfu m v m pbm tbaj tbmb pb m igmb t k tb bg m h g d mf scu0



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"vt0 trg u mf'

Kb tgu Ml 4>>5 Ml 4>>6 Xmf*fg l Ml 4>>2 Xmf*fg l

Xg m f g hm k 658-2>1 3->24-23; );32->>2 3-2>1->>> )644-326Xg m f g kk t kb k igmb t 3->>8-344 3-488-3;7 )48>->36 3-;16-1>> )33;-;53Xg m f g k c XKXH ibk 332-753 34;-;;2 )8-;66 483-1>> )332-354Fg y t k fg 52-572 3>1-;;1 );5-5;6 343->>> )31-551X mf mfu m v m buy mf 3-715-125 4-111-541 )177->;7 ;-141->>> )757-;61

"Mfu m0 Mfm bmf Mj % ^XMX UM kbg mbmb mf [g Fm'

D mf >40 Mfu m buy mf pbm tbaj tbmb pb m igmb t

4>>5

5->2!

13-;4!;7->7!

;-13!Xg m f g hm k

Xg m f g kk XKIX

Xg m f g k c XKXH ibk

Fg y t k fg

4>>6

8-2;! ;-7>!

86-7>! 84-;6!

Dg u >30 K k u mfu m v m buy mf quc kk ml

Mbm l t kkb t mf tb / trjmf t mf mfu m v m l mfm bmf buy mf k tb

mfu m tg m f g k c hm k v kk t kb k igmb t kbg l t tr mf o m mb t/ t 6>! m


5-21! 4-74!

;7->4! 13-43!


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2>! trjmf t mf mfu m v m buy mf- b m km o g o k c kk XKXH v pbt bmb fg y t

k fg-

Xg m f g k c hm k v kk t kb k igmb t oum k huy tr m mb v tmf quc kk

ml- t dg t o mfu m tg m f g k c hm k / ml 4>>6 tmf ;32->>2 trg u mf sj v g

ml 4>>5/ t mf mf 83/12!/ ml 4>>2 tmf 55/57! sj v g ml 4>>6 v kbg l 13/4!

trjmf t mf mfu m v m buy mf- Dm k mb / mfu m tg m l kk t kb k igmb t f g vj

kbg mbmb kbg l l t t tr mf mf i - X tr mf tg m f g k c kk t kb k igmb t sj v g

t mf mfu m v m buy mf oum k kbg mbmb kb tr mf v huy tr m mb quc kk ml0

ml 4>>5 o 13/;4!/ ml 4>>6 o 82/52! v ml 4>>2 o ;2/13!- K tb mg m u ibmf

k bcg mfu m v m buy mf my tb ibmf k bj t mf k c mfm bmf-

Dm k mb bcg mfu m tg m trm tb kbg mbmb kmf r t qucm tl t g mfu m tg m f g k c

kk XKXH/ l k h y o mfu m tg m k tmb m mb ibmf kcj v ibmf tb mf xuym

trjmf su t kk tb g i bj t mf trjmf ml k c kbg mbmb v y o mfu m tg m f g kb

y u mb l l k kb tbcmb tjm v kbg tr h g bmb tb k mfm bmf g o v h kb v

t mf mf- Xuy mb

Nâng cao hiệu quả huy động vốn tại ngân hàng nông nghiệp và phát triển nông...

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