KSSH Tne VA QUAIK ht
HOAT DONG PHOI HOP G I O A QUY BAO LANH TIN DUNG Vdi CAC NGAN HANG THI/ONG MAI VA TO CHUfC HIEP HOI
TRONG VIEC BAO LANH TIN DUNG,
TROf GIUP DOANH NGHIEP NHO VA VLTA 6 VIET NAM ©
TrUdng \ ^ n Khanh ' Vo Sdc Toan **
Ngay nhlin: 2 0 / 7 0 / 2 0 7 7 Ngay nhin lai: 10/02/2012 Ma sd: 1.TCNH TCf khoa: Ngan hang thuong mai, bao lanh tin dung, to chdc hiep hoi, doanh nghiep nho va vda
• m uy Bao lanh tin dting (BLTD) cho doanh nghiep nhd va vda (DNNVV) ra ddi da gdp phan gidp
% / cac DNNW phat then thdng qua hoat dpng cap BLTD cho nhdng du an kinh doanh tot nhung DNNVV khong co tai san the chap de vay von tai ngan hang; dong thdi da gop phan trp giup cac DNNVV nang cao nang ItJc canh tranh, tang nang Idc quan ly va dieu hanh .. De phat huy tot vai trd cua Quy BLTD de cap BLTD va trd gidp cac DNNVV can co sU phdi hPp dong bd, nhip nhang gida Quy BLTD (cap BLTD), cac TCTD ma cu the nhat la cac ngan hang thuong mat (cap tin dtjng) va ban than cac DNNVV (duac cap tin dung). Tuy nhien, hien nay su phdi hpp trong hoat dong cua Quy BLTD van cdn nhieu han che, chua phat huy het vai trd cua minh, do dd trong bai viet nay tac gia se tap trung phan tich thuc trang hoat dong phoi hpp cua quy BLTD, phan tich nhdng nguyen nhan han che va td do de xuat cac giai phap vdi ky vong hoat ddng phoi hPp cua Quy BLTD trong thdi gian tdi se tot han, dap dng nhu cau cua DNNVV.
1. Ly thuyet ve hoat d$ng phoi hpp cua quy BLTD Nha nude khuyen khich va tao thuan Ipi cho D N N W , thuc hi$n nhat quan ehinh sach phat tnen nen kinh te nhieu thanh phan. Nha nude tao mdi trudng ve phap luat va cac cd che, chfnh sach thuan Ipi cho DNNVV thudc mpi thanh phan kinh te phat tnen binh dang va canh tranh lanh manh nham huy ddng mpi ngudn luc trong nude ket hop vdi ngudn iQc tU ben ngoai eho dau tu phat trien.
Phat trien D N N W theo phuong cham tich cue, vQng chac, nang cao chat lUPng, phat trien ve sd lupng, dat hi#u qua kinh te, gdp phan tao nhieu viec lam va an toan xa hdi.
Hoat ddng trp giup eua Nha nude chuyen dan tU hd'trp tn/e tiep sang hd'trp gian tiep de nang cao nang Ipc eho cac doanh nghiep nho va vUa. Trong dd, Uep tuc hoan thien va dam bao tinh on dinh khung phap ly, cai each thu tuc hanh ehinh va chinh sach tai chinh nham tao mdi trudng dau tU kinh doanh binh dang, minh bach, thdng thoang eho doanh nghiep nho va vda phat trien... Ddng thdi day
nhanh viec thanh lap cac Quy BLTD tai nhieu dm phuong de thuc hien bao lanh tin dung, gdp phan vao hoat ddng trp giup phat tnen DNNW.
Hoat dong phot hpp cua Quy BLTD de BLTD va tra giup cac DNNVV la hoat dpng cdng tham gia vPi cac td' chdc, hiep hoi de tu van, hudng dan cho DNNW va phoi hpp vdi cac TCTD trong qua trinh ddng tham dinh hd sP cua DNNW va phoi hpp cung TCTD va DNNW de thdng nhat npi dung BLTD
Can cU vao muc dich hoat dpng, Quy BLTD cd hai chUc nang chinh trong hoat dpng phdi hdp, dd la phdi hpp vdi cac TCTD de cap tin dung va phoi hdp de hd'trp, tU van cho cac DNNVV.
- Phdi hpp vPi cac TCTD de cap BLTD cho cac DNNVV: la hoat ddng phdi hop cung cac TCTD, cac D N N W de thUc hien BLTD cho cae DNNVV.
Hoat ddng phoi hpp cua Quy BLTD vdi cac TCTD tao dieu kien cho cac DNNVV tiep can vdn tin ' ThS., Trudng Bai hoc Sai Gdn
" ThS., Cong ty TNHH Dupc Pham Huy Toan
S6 49/2012
- K H O A H O C ' ^
^hiAAig Mai 9
filBfH TE VA qjtJAX I X
D N N W dupe cap BLTD eung nhu doanh so bao lanh, sd dU BLTD deu lang cao qua cac nam. Dieu nay chQng td hoat ddng phoi hpp cua cac Quy BLTD ngay cang dupe nang cao. Tuy nhien, theo udc tinh hien nay tren ca nude cd khoang 250.000 D N N W va trong s d cac DN nSy cd rat nhieu DN cd nhu eau ve vdn de md rdng san xuat kinh doanh, nang cao nang luc canh tranh, ddi mdi cdng nghd nhung lai khdng cd tai san de the chap va can su tro giup bao lanh eua Quy BLTD. So lieu the hien d bang 1, trong nam 2008 ca nude cd 80 lUPt DN, nam 2009 cd 231 lupt DN va nam 2010 cd 375 lupt D N N W dupc BLTD thi eon so nay la qua khiem tdn so vdi tdng nhu cau.
- Hoat dpng phoi hpp de trp gidp, tU van cho DNNVV:
Cac Quy BLTD tai dia phuong da ngay cang da dang ve hinh thQc tu van, trp giup eac DN thdng qua nhieu hinh thUc khac nhau nhu: cung cap thdng tin tren Website cua Quy, to ehUe hdi thao, tiep xuc true tiep, dien dan ddi thoai... nham truyen dat thdng tin ve ehu trUdng, chinh sach, hd trp thiet l$p hd sd vay vdn; hudng dan ve quan ly tai chinh, quan ly kinh doanh, danh gia thi trudng, chon lua cac phuong an kinh doanh, dau tU tren cd sd nang luc tai ehinh cung nhU phUPng an tai ehinh tdi uu; hudng dan xay dung phUdng an san xuat kinh doanh, da an dau tu de tiep Ccin von vay cac NHTM, cac TCTD. Tuy nhien, sd lUpng cac DN dupc tu van, trp giup cdn rat it so vdi sd lupng cac DNNVV cd nhu eau. Sau day la bang sd lieu ve cac DNNVV dupc tu van thiet ISp phUPng an san xuat kinh dognh, du an dau tU de tiep c$n vdn vay eac NHTM, cac TCTD.
2.1. Nhiing han che, ton tai trong hoat d^ng phoi hap
Hoat ddng phdi hpp ciJa Quy BLTD vdi cae to chQc, hi6p hoi, cac TCTD, cac DNNVV la mdt hoat ddng khdng the thieu trong sudt qua trinh hoat ddng eOa Quy BLTD, khdng nhOng cd tac ddng tich cue ddi vdi Nguon: Quy BLTD cac dia phuang va tong hpp cua tac gia ^ ° ^ ^ ^ ^ " 9 ^ ' - ^ ^ '^^° ^^^
D N N W m^ cdn gdp phSn Qua so heu tdng hpp tQ cac Quy BLTD da dupc quan trpng vao trd glQp phat trien cac D N N W va thanh lap tai cac dia phuong. cho thay sd luat viec tang ciidng hoat ddng phdi hdp Id mot trong
KHOA HQC - ^ ^ ^ -^
10 Thutfng Mai^ ^^^ = . ^ = ^
dung thdng qua BLTD eho cac D N N W thuc hien phUdng an san xuat kinh doanh va du an dau tU.
Nhd cd su phdi hpp cung eac TCTD de cac TCTD quyet dinh cho D N N W vay von vdi su ket hdp bang BLTD. Hoat ddng phoi hpp de cap tin dung va BLTD cho cac D N N W tap trung vao cac edng tac chinh nhu: thu thap va eung cap thdng tin;
ddng tham dmh; quyet dinh cap tin dung va BLT;
kiem tra sQ dyng von tin dung.
- Phdi hpp vdi cac to chdc, hiep hdi de trp gidp, tu van cho cac DNNW. la hoat ddng phoi hpp vdi cac to chQc, hiep hpi de tu van, hudng dan cho cae DNNW. Hoat ddng phdt hop cua Quy BLTD vdi cac to chUc, cac hiep hdi bang cac hinh thUc tiep xuc true tiep, hpi thao, dieh dan, de tu van, hudng dan lap phuong an san xuat kinh doanh, dp an dau tu. . cho cac D N N W tiep can von tin dung cua eac TCTD. Hoat ddng phS hpp de cung trp giup cho cac DNNW, bao gdm cac cdng tac chinh nhU: (1) Ho"
trp cac D N N W nang eao nang luc lap du an, phuong an kinh doanh nham dap Ung yeu cau cua cac TCTD khi tham dmh hd so vay vdn. (2) Hd'trp cac D N N W hoan thidn dan ve quan ly tai chinh, ke toan trong qua trinh BLTD. (3) Hudng dan cac chu truong, chinh sach cua Nha nude, dac biet !a cac chu trUdng, chinh sach dot vdi cac D N N W .
2. Thuc tr^ng ve hoat dpng phoi hpp giQa Quy BLTD vdi cac TCTD, cac td chiJc, hl^p hgi
- Hoaf dpng phoi hpp de cap BLTD:
Cac Quy BLTD tai eac dia phuong ngay cang tang cudng hoat ddng p h ^ hpp vPi cac ngan hang thUdng mai (NHTM), to chQc tai chinh, tao dieu kien cho cac D N N W tiep cSn vdn tin dyng thong qua BLTD. Ket qua cua hoat ddng phoi hpp de' cap BLTD cho cac D N N W duoc the hien qua bang sau:
Bang 1 Sd Idpng cac DNNW ddpc BLTD va doanh so, sodd BLTD td nam 2008 den nam 2010
Chi tiSu - So lifdl DNNVV duac BLTD - Doanh so bao lanh (trd) - So dir bao lanh tin dung (trd)
Nam 2008
80
114.280 122.980Nam 2009
231
536.458 624.663Nam 2010
375
835.691 1.131J17So 49/2012
fiSEH rS jrk Qulis tx
i i D O l ' . Saluat cac DNNVV auac cac Quy BLTD tU van, ho tra to nam 2003 den 2010 Oil tieu
. -SSIucitDNrgWdi/OclrOgiup.lUvSn
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+ Qua cac hinh thOc khac (tara, baa. dai triiiSnhinh ) - So (liot DNigW dinic Inf giup ttii^ l§p fJxWng sn 1 SXKD, dyan(5SuU
t>&n2008 6700 3.500 1.200 2000
_250 N ^ 2 0 0 g
11500 5200 2S0O 3500 520
16 300 6500 4200 5600
.850 Ngudn: Quy BLTD cac dia phuong va tong hpp cua tac gia nhQng hoat dpng hang dau cua cac Quy BLTD hiSn nay. Tuy nhien, hoat ddng phdi hpp cua Quy BLTD vdi cac td chde, hiep hdi, cac TCTD, cac D N N W vSh cdn nhOng han ehe, tdn tai nhat dmh.
Sau day la nhdng han ehe, tdn tai trong hoat ddng phdi hpp:
- Quy BLTD van cdn thu ddng. chda tich cdc tim den doanh nghi$p: mac du Quy BLTD trong thdi gian vQa qua da cd nhieu nd'lUc, c d g a n g de thdng tin tren cac phUPng tien dai chung ve mue dich, nhiem vu va vai trd cua minh, tuy nhien edng tac nay van mang tinh phong trao. hinh thdc, chua thuc hien thudng xuyen. Quy BLTD phai cd nhQng ChUdng trinh quang ba hinh anh cua minh mdt each thudng xuyen, lien tuc de tao hinh anh de khi D N N W gap khd khan ve vdn la ho nghT ngay den Quy BLTD.
- Ho^t dpng phoi hpp chda dong bP: hoat ddng phdi hpp giOa Quy BLTD vdi cac TCTD van chUa ddng bd, nhieu TCTD cdn nghi ngd ve sU tdn tai cua Quy nen chua manh dan tham gia vao su phoi hpp tham dmh hd sP vay vdn cUa D N N W de cap tin dung. Mdt so trudng hpp Quy BLTD da tham dmh hd sd tin dung cua doanh nghigp nhung khi den TCTD, D N N W van phai mat thdi gian de TCTD tham dmh lai hd sP, td dd lam cho D N N W cam thay thu tuc hanh chinh rudm ra, khd tiep e§n vdi ngudn von ngan hang.
- Hoat dpng phoi hpp chua da dang: ngoai nhiem vu cap BLTD, Quy BLTD cdn cd vai trd trp giup tai chinh thdng qua BLTD, tao co che khuyen khich va danh mdt s d du an hd'trp ky thuat de tang cUdng nang luc cua eac to chQc tai chinh phu hpp doi vdi viec md rpng tin dung cho D N N W ; da dang hda cac san pham, djch vu phu hdp vdi DNNVV, eung cap cac dich vu hd'trp ve tu van tai chinh, quan ly dau tu va cac dich vy hd"
trp khac. Phan Idn cac hoat ddng cua cac Quy
BLTD hien nay la tap trung vao phdi hpp trd giup che cac D N N W ve lap phUdng an san xuat kinh doanh, lap cac dp an dau tu, hudng dan, phd bien thdng tin phap luat. chu trUdng, chinh sach cua Nha nadc... Cae Quy BLTD can phat trien eac hoat ddng phdi hpp da dang hdn nhu eung cap cac thdng tin giup cac DNNVV nang cao nang luc cdng nghe, trinh dd ky thuat thdng qua chUdng trinh hd'trp nghien cQu, phat trien edng nghe san xuat eac san pham mdi, chuyen giao cdng nghe, dng dyng tien bp khoa hpc ky thuat vao san xuat;
gidi thi$u, cung cap thdng tin ve cdng nghg, thief bi cho cac doanh nghiSp nhd va vUa, hd"trd danh gia, lua chpn cdng nghe...
2.2. Nguyen nhan ciia nhOng han che - Chua cd chien lupc hoat ddng dai han: hdu het eac Quy BLTD hien nay chi tap trung vao ke hoach ngan han tQng nam, chua xay dung dUpc chien luoc phat trien hoat ddng lau dai de tao nen tang phat trien hoat dpng phdi hpp vdi cae TCTD mdt each ehSt che va lau dai.
- Thieu cd che phoi hpp: su phdi hpp trong hoat ddng cap BLTD va trp giup cac D N N W hien nay van chua cd quy dinh chi tiet de phoi hpp cap tin dung va BLTD. cung nhu quan he glDa Quy BLTD va cac TCTD trong hoat ddng phdi hpp, tU dd dan den sU phdi hpp khdng ddng bd. thieu sU Uidng nhat trong npi dung tham dmh hd so tin dung cua DNNW.
- Chua cd quy trinh thd'ng nhat gida Quy BLTD va cac TCTD de' cQng phdi hpp, ciing tham dmh hd SP vay von cua doanh nghiep de tao dieu kien tdt nhat giup DN tiep can vdi ngudn vdn vay NH.
- Khd khan ve tai chinh: vdn hoat ddng cua Quy BLTD chu yeu la tQ ngan sach, s d c d n lai cae TCTD, mdt s d quy hien nay chi cd sd vdn tdi thieu la 30 ty ddng; hon nOa, viec huy ddng tQ cac to ChUc khac rat khd khan do khdng vi muc tieu Ipi nhuan nen cac to chQe khac tham gia qua it Vdn it, nen vi6c BLTD cdn bi han che do quy dmh BLTD cho mdt D N N W khong vupt qua 15% von dieu le cua Quy BLTD vay nen khd dap Qng dUdc trpn ven nhu cau BLTD.
- Thi^u dpi ngu can bp chuyen trach: ddi vdi md hinh Quy BLTD true thupc Ngan hang phat trien
So 49/2012
_ K H O A HOC
ThiAmg Mai 11
Mma Tfe VA ftUAIV W^
hoac Quy tai chinh dia phuong, cac can bd cdng tac tai Quy la nhQng can bp kiem nhiem nen khdng cd thdi gian tap trung tot cho chuyen mdn phat trien hoat ddng cua Quy. Mat khac, do kiem nhiem nen can bd cdng tac tai Quy khong cd kien thQc chuyen mdn sau, khdng dupc dao tao bai ban ve cac nhiem vy, chuong trinh va nhQng hoat ddng cua Quy BLTD nen anh hudng den hoat ddng phdi hop cua Quy vdi cae hiep hdi. to chQc. cae TCTD va DNNW.
- Nhieu Can bd tin dung cdn nghi ngd ve sd tdn tai cua Quy BLTD hien nay mdi chi cd mdt so it dia phuong thanh lap Quy BLTD, cac dia phuong khac chua thanh lap do nhieu nguyen nhan khac nhau, trong dd chu yeu la do khdng cd du so vdn ban dau (30 ty ddng). Dieu nay da lam cho mot bd phSn can bd tin dung khdng tin tudng vao su hoat ddng cua Quy, tham chi nghi ngd su tdn tai cua Quy nen khdng tich cUc tham gia trong cdng tac phd'i hpp;
- Thieu su tac dpng, thdc day cua Ngan hang nha nadc (NHNN) de cac TCTD tham gia phd'i hpp vdi Quy BLTD. Viec tac ddng, chi dao thudng xuyen cua NHNN se tae ddng rat Idn den cac TCTD tham gia tich cUc trong hoat ddng phdi hpp;
- Nhieu TCTD chua nam ro hoat dpng cua Quy BLTD: mac du cac Quy BLTD da dupc thanh lap va hoat dpng luPng ddi hieu qua, gdp phan trp giup cac D N N W phat trien nhung hien nay nhieu TCTD (dac bigt la cae NHTM tu nhan) van chua nam rd hoat ddng va muc dich cua Quy nen chua tham gia phd'i hpp
3. Mdt so de xual nham nang cao hoat dpng phdi hdp cOa Quy BLTD
Mpi la. tao moi trdPng ve phap luat va cac co che, chinh sach thuan Ipi cho hoat dpng phdi hpp cua Quy BLTD: Nha nude tao mdi trudng ve phap luat va cdc CO che, chinh sach thuan loi cho viec thanh lap, hoat ddng va phat tnen Quy BLTD. Cac quy dmh phap luat can sdm hoan thien phu hpp vdi dieu kien phat trien kinh te - xa hdi hien nay bao gdm:
- Hoan thien quy dinh ve thanh lap va td chQc hoat ddng eua Quy BLTD, tao thuan Ipi cho Quy BLTD du nang lUc tai chinh, cd ngudn tai chinh phu hpp vdi tQng nhu eau phat trien eua cae DNNVV tai md) dia phUPng, cung nhu tUPng xUng vdi mdc cap tin dyng, BLTD dapc phdi hop gida Quy BLTD vdi cae TCTD.
- Quy dmh chi tiet ve cd che phdi hdp cap tin dung va BLTD, eung nhu quan hd giOa Quy BLTD va cac TCTD trong hoat ddng phdi hPp.
Hai la, thanh lip them cac Quy BLTD tai cac dia phuang demd rpng hoat dpng phdi hpp cap tin dung va BLTD cho cac DNNVV. hien tai cdn nhieu dia phuong trong ca nude chUa thanh lap Quy BLTD de tao dieu kien cho cac D N N W tiep can vdn tin dung, dap Qng nhu cau von cho san xuat kinh doarih va thUe hien cac da an dau tU phat trien, Cac dia phUdng can sdm thanh lap va dua vao hoat ddng Quy BLTD nham phat trien them hoat ddng phdi hop vdi cac TCTD tren dia ban de cap tin dung va BLTD eho cac D N N W
Ba la, tang cudng hop tac giOa Quy BLTD vdi cac TCTD de cap tin dtJng va BLTD cho cac DNNVV vdi hoat dpng tra gidp phat trien DNNW:
de phat trien va nang cao hieu qua hoat ddng phoi hop, Quy BLTD can duy tri mdi quan he hop tac vdi cae TCTD da cd md'i quan he trong hoat dpng phdi hdp cap tin dung va BLTD cho cac D N N W qua nhieu nam, ddng thdi md rpng. phat trie'n them cac quan he hpp tac vdi cac TCTD mdi de tang them quy md hoat dong phd'i hpp. tren co sd dd hoat dpng p h ^ hdp ngay cang gia tang hieu qua.
Bdn la, Quy BLTD can cd chien lUdc phat trien lau dai va ke hoach thae hien hoat dpng phoi hdp vPi cac TCTD de cap tin dung va BLTD cho cac DNNVV: hien nay, hau het cac Quy BLTD deu chua xay dung chien lupc phat trien hoat ddng lau dai de tao nen tang phat tnen hoat ddng phoi hOp vdi cac TCTD mdt each can cP va lau dai, do vay viec xay dung chien lupc phat trien hoat ddng lau dai la mdt trong nhQng giai phap can quan tam de tao dieu kien cho hoat ddng phoi hpp trong qua trinh cap tin dyng va BLTD cho cae DNNW.
Nam la, Ngan hang Nha nude co cP che tao dieu kien thuan Ipi cho hoat ddng phoi hpp glOa cac TCTD vPi Quy BLTD: hien tai cd nhieu TCTO;
dac biet la cac NHTM cd phan cd bd phan rieng biet de cap tin dung cho eac DNNVV, mdt sd TCTD chua cd bd phan rieng biet, nhung van tham gia cap tin dung eho eac D N N W ngay cang tang.
Tuy nhien, van chua cd cP che p h ^ hpp cung Quy BLTD de cap tin dung va BLTD cho cae DNNW, do vay NHNN can tao co che chung eho hoat ddng phdi hpp. cung nhu xac dinh ty le dU phdng rCii ro la 0% d ^ vdi eac khoan cap tin dyng ed BLTD cua Quy BLTD nham tao dieu kien tdt nhat eho viec phat huy hieu qua hoat ddng phdi hdp cap tin dung va BLTD. Tai mdi 6\a phUdng. Chi nhanh NHNN se thuc hien thuc da'y de' cP che phdi hpp giQa Quy BLTD, cac TCTD de cap tin dung va BLTD cho cae D N N W di vao thUe te, phat huy KHOA HOC _
12 ThiAmg Mai" So 49/2012
fiiKH HE VA ftuijs IX
hieu qua thuc su cua hoat ddng phoi hpp.
Sau la, da dang hoa hoat ddng phdi hpp de trp gidp cho cac DI^NVV: phan idn hoat ddng eua cac Quy BLTD hien nay la tap trung vao phdi hpp trp giup cho cac D N N W ve lap phUPng an san xuat kinh doanh, lap cac dU an dau tU, hudng dan, phd bien thdng tin phap luat, ehu truong, chinh sach cua Nha nude . can phat trien cae hoat ddng phoi hpp da dang hon, cu the la thuc hien md rong them eac hoat ddng phdi hpp da dang nhu:
- Hd'trp dau tu bang each phoi hpp cQng cac nganh, cac khu cdng nghiep hudng dan, tao dieu kien vd mat bang dau tU, hUdng dan cac thu tue dau tu, thu tuc vay vdn tin dung de dau tu, bao lanh tin dung de thuc hien cac du an dau tu cua cac D N N W .
- Tao dieu kien nang cao nang lUc quan ly cho cac DNNVV thdng qua thUc hi^n cac chUPng trinh huan luyen ky nang quan ly, cac hdi thao, dieh dan...
- Hd'trp phat trie'n thi trUdng va tang cudng kha nang canh tranh, tao dieu kien de DNNVV tiep can cac thdng tin ve thj trudng, gia ca hang hda. trp giup md rdng thi trudng, tieu thu san pham Tao dieu kien thuan Ipi cho cac D N N W lien ket hpp tae vdi nude ngoai, md rdng thi trudng xuat khau hang hda dich vy.
Bay la, nang cao nang luc cua cac to chdc, hiep hdi tham gia vao hoat dpng trp giup phat tnen DNNVV: de nang cao nang lUc cua cac td chUc, hiep hdi tham gia vao hoat ddng trp giup phat trien DNNVV, can cd eac dieu kien ban dau de cac td chQc hipp hdi hoat ddng nhu nhan luc, tai chanh, co sd vat chat cho eac td chUc hdi hoat ddng Can eo dpi ngu nhan vien ed chuyen mdn sau, cd ngudn tai chinh tu ehu de dam bao cho hoat dpng thudng xuyen va phat trie'n ve quy md va chat lUdng.
Cac to chdc hiep hdi can cd su lien ket, hpp tac chat che vdi nhau de tao dieu kien va tro giup phat trien D N N W dong thdi khuyen khich, thu hut D N N W tham gia vao hiep hdi hay hdi de cd thong tin kip thdi, chinh xac nhQng van de phat sinh de hiep hdi phan anh. phan bi$n giup Nha nude cd thdng tin de dieu chinh chinh sach, chu truong phu hop cho qua trinh phat trien va hoat ddng phd'i hpp de trp giup phat trien DNNVV.
7am la, DNNVV can duy tri va phat trien hoat dpng da duac cai thien sau khi da daoc tu van, trp gidp: eac D N N W sau khi da duoc hoat ddng p h a hpp thuc hien de tU van, tro giup ve nhieu mat, cd hieu qua can tiep tyc duy tri va phat trie'n trong thdi
gian tiep theo de tha'y dupc hi$u qua thiet thUe va lau dai hdn nOa cua hoat ddng phdi hdp. Viec doanh nghiep tiep tuc duy tri va phat trien trong thdi gian tiep theo la mdt dieu kien rat can thiet de tranh phai tiep tuc cdng tac phdi hPp, gay mat thdi gian va chi phi. khdng chi cho doanh nghiep ma cdn anh hudng den hi§u qua hoat dpng phd'i hop.
Ket lu$n
Hoat ddng phdi hpp cua Quy BLTD de BLTD va tro giup cac DNNVV la hoat ddng cung tham gia vdi cac td chQc, hiep hdi de tu van, hudng dan cho DNNVV va phdi hpp vdi cac TCTD trong qua trinh ddng tha'm djnh ho so cua DNNVV va phdi hpp cung TCTD va DNNVV de thd'ng nhat ndi dung BLTD De phat huy hieu qua hoat dpng phd'i hop can cd nhQng giai phap ddng bd trong tUng hoat dpng phdi hop, cung nhu giai phap ket hpp cac hoat ddng p h ^ hop Trong dd, dd'i vdi giai phap thuc hien phdi hpp cap tin dung va BLTD thuc hien tao mdi trudng ve phap luat va cac co che, chinh sach thuan lOi eho hoat dong phdi hpp cua Quy BLTD, can thanh lap them cac Quy BLTD tai cae dia phuong de md rong hoat ddng phdi hop, cap tin dyng va BLTD cho cac DNNVV; gan ket hoat ddng phdi hpp de cap tin dung va BLTD cho cac DNNVV vdi hoat ddng trp giup phat then DNNVV;
tang cudng hpp tac giQa Quy BLTD vdi cac TCTD de cap tin dung va BLTD cho cac D N N W vdi hoat dong tro giup phat trie'n DNNVV; Quy BLTD hoan thien quy trinin nghiep vy BLTD tUdng thich vdi hoat ddng cap tin dyng, cac TCTD can tang cudng va quan tam hon nQa hoat ddng phoi hop de cap tin dung va BLTD, cac TCTD can dam bao ngudn vdn de thue hien hoat ddng phoi hpp de cap tin dung va BLTD; Ngan hang Nha nude cd cd che nham tao thuan ipi eho hoat ddng phdi hdp giQa cac TCTD vdi Quy BLTD, cac TCTD cd chien lUOc phat trien hoat ddng tin dung hudng vao cac DNNVV va dmh hudng hoat ddng phdi hpp giOa cac TCTD vdi Quy BLTD Ddi vdi giai phap nang cao hieu qua hoat ddng phdi hpp de tro giup eho cac DNNVV thuc hien da dang hoa hoat dong phdi hpp, trp giup cho cac DNNVV hoan thien phap ly eho hoat ddng trp giup phat tnen DNNVV, nang eao nang luc cua cac td chQc, hiep hpi tham gia vao hoat ddng trp giup phat tnen DNNVV, DNNVV can duy tri va phat trien hoat ddng da dupe cai thien sau khi da dupe tu van, trp g i u p . *
So 49/2012
_ KHOA HOC "^
"Thutfng Mai 13
HMH tie! VA OUABF lA
Tai li$u tham khao:
1. PGS.TS Vd Van Nhi. TS. Nguyen Ngpc Dung, Tinh hinh hoat ddng kinh doanh va cdng tac ketoan tai cac DNNVV d VN, Tap chi Phat trien k i n h t e , s d 241, 2011.
2. TS. Le Xuan Ba, TS. Tran Kim Hao, TS.
Nguyen HQu Thang, Doanh nghipp nhd va vda cua Viet Nam trong dieu kidn hdi nhSp kinh te qud'c te, NXB Chinh tri QUOC gia. Ha Ndi, 2006.
3. Nguyen Ba Ngpc, I'VTO thuan Ipi va thach thdc cho cac doanh nghiep Vipt Nam, NXB Lao dpng - Xa hoi, Ha Ndi. 2005.
4. TS 0 a m Van Hue, Hi$u qua sd dung vdn trong cac doanh nghiep vda va nho, NXB Dai hpc Kinh te Qude dan. Ha Ndi, 2006.
5. Pham Van Hdng, Phat trien doanh nghiep nho va vda 6 Vi$t Nam trong qua trinh hPi nhap quoc te, Luan an tien sT kinh te, Dai hpc Kmh te Qude dan. Ha Ndi, 2007.
Summary
The establishment of Credit Guarantee Fund for Small and Medium Enterprises has facilitated the development of SMEs as it provides credit guarantee for feasible business projects which .enterprises do not have enough property to secure bank loans; it has also helped them enhance their competitiveness, improve their management capacity. To bring the role of the fund into full play, it is necessary to have a synchronous cooperation between credit guarantee fund, credit institutes, especially commercial banks, and the SMEs themselves. However, at present the coor- dination in the credit guarantee funds activities remains limited; therefore, in their article, the authors have analyzed the situation of coordina- tion activities of the fund, analyzed the reasons for the limitations and suggested the solutions in a hope that the cooperation will improve to better meet the demand of the enterprises
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MOT SO DANH GIA.
Thd nam, xay dung va phat trie'n TTCK phai sinh dupc chuan hda theo hudng phat trien vdi cac cdng cy tQ dOn gian den phQc tap; ve dai han can thdng nhat hoat ddng thi trudng phai sinh cd cdng cy gdc la chQng khoan, hang hda, tien t e . *
7a/ li$u tham khao:
1. Uy ban ChUng khoan Nha nude, Tpa dam xay ddng thi trddng giao dich trai phieu cdng ty va thi tnJdng phai sinh TPCP, ngay 22/6/2011.
2. PGS.TS. Do'DQc Minh, Chinh each va giai phap phat triSn ben vdng TTCK VN den nam 2020, ChUPng trinh trpng diem cap nha nadc, ma so KX.01/06-10.
3. web: www.ssc.gov.vn;
Summary
Since 2006, which was the explosion time for KHOA HOC "
1* ThUiDfng M a i
(Tiep theo trang 8) Vietnam Stock Market with VN Index in HCM Stock Exchange reaching 1000 points per trans- action, the Stock Market of Vietnam has proved to be an important mid-term and long-term channel for capital mobilization of the economy. Capital raised from stock market via the issuance of stocks to the public, auction of stocks and bonds is on the rise. However, after the global financial cri- sis In autumn 2008, Vietnam Stock Market has deteriorated sharply, reflecting the unstable growth of the market Specifically, with policies to stimu- late enterprises to be listed in the development periods, the supply has increased strongly while market demand is shrinking due to tough macro- economic conditions and the concerns over a pos- sible dual recession. The article evaluates the sup- ply sources In the market and proposes some poli- cies to guarantee the increase of the supply for the market and also improve the quality of the supply in the coming time.
