TAP CHi CtNC THIfdNC
NANG CAO HIEU QUA HOAT DONG
QUY TIN DUNG NHAN DAN TINH SOC TRANG
NGUYEN HONG HA - LE TH! NGOC LY
TOM TAT:
Bai vie't nghien cttu cac boat ddng cua Quy tin dung nhan dan (QTDND) tinh Sdc Trang, tif dd dtta ra cac giai phap nham nang cao hieu qua boat ddng cua Quy nay. Ke't qua nghien cttu cho tha'y, QTDND can hoan thien cac van de sau: Nang eao hieu qua huy dong vd'n; Hoan thien cac quy tiinh ndi bd dtta tren cac quy dinh cua Ngan hang Nha nttdc; QTDND chu ddng trien khai cac chttdng trinh dao tao, bdi dttdng, ddi mdi giao trinh phu hdp; Hoan thien hanh lang phap ly; Tang cttdng thanh tra, giara sat, phat bien va xtt ly kip thdi nhttng vi pham; Kiem tra viec chap hanh cac quy dinh cua phap luat ve bao hiem.
Tvt khoa: Quy tin dung nhan dan, huy ddng vd'n, Ngan hang Nha nttdc, tinh Sdc Trang.
1. Gidi thieu
He thd'ng Quy tin dung nhan dan tinh Sdc Trang ra ddi nam 1994, khi Thu tttdng Chinh phu ban banh Quye't dinh sd 390/TTg cho phep trien khai thi diera thanh lap QTDND. Sau hdn 24 nam thanh lap va phat trien, de'n nay, rad hinh td chttc cua cae QTDND ve cd ban da dttdc hoan thien. Tinh de'n thang 12/2017, Sdc Trang cd 12 QTDND boat ddng tai 8/11 huyen, thi xa, thanh phd cua tinh vdi 19.267 thanh vien; td'ng ngudn vdn boat ddng la 985.321 trieu ddng, vd'n buy ddng 763.520 trieu ddng, tdng dttnd cho vay dat 690.499 trieu ddng. Trong dd, dtt nd cho vay san xua't ndng nghiep chiera 56,7%, nganh nghe chie'ra 28,5%, cho vay sinh boat chie'm ty le 7,9% so vdi tdng dtt nd.
Thttc tiln cho tha'y, he thd'ng QTDND tinh Sdc Trang cd vai trd rat ldn trong viec bd trd ngudn vd'n cho ngttdi dan, dac biet la ngttdi dan khu vttc ndng nghiep, ndng thdn. Ho khdng chi dttdc vay von de san xua't kinh doanh, cd dieu kien, cd hdi tie'p can vdi cac dich vu tai chinh, ngan hang, raa con cd ndi an toan, thuan tien de dau ttt cac khoan tien nhan rdi, tie't kiem cua rainh. Chinh cac ngudn
vd'n huy ddng tai cho nay mdi la nen tang cd sd can ban va lau dai de eac QTDND co the cho cac thanh vien vay vd'n, nham xda ddi giam ngheo, ban che' te nan tin dung den, cai thien ddi sdng, nhieu ho vttdn len giau cd. Ben canh nhttng ket qua tich cttc dat dttdc, he thd'ng QTDND tinh Sdc Trang cung bdc Id mdt so ye'u kem, nhtt: Quy mo boat ddng cua cac QTDND tttdng dd'i nho; bo may quan tri, dieu hanh, kie'm soat, kie'm toan noi bp cdn ye'u; nang life trinh do chuyen mdn cua can bp quan ly QTDND cdn ban che; boat ddng cho vay hoc Id nhttng bat cap, tiem an rui ro tin dung... din tdi stt kem an toan cua tttng QTDND va cua toan he thd'ng. Trong bd'i canh dd, QTDND mudn ton tai va phat trien ben vttng ddi hdi phai co nhii'ng thay ddi mang tinh each raang.
2. Thtfc trang hoat ddng Quy tin dung nh§n dan Soc Trang
2.1. Vdi net ve cdc tdchdc tin dung tren dk ban^
Hien nay, tren dia ban Sdc Trang co 34 td chttc tin dung (TCTD), bao gdm: 1 Tru sd chinh, 21 Chi nhanh ngan hang thttdng mai, 12 QTDND.
Dich vu tai chinh tin dung dttdc thie't lap ttt tinh
TAI CHiNH - N G A N H A N G - BAO HIEM
den huyen, phuc vu td't nhu cau tai chinh cua doanh nghiep, cd sd san xua't va ndng dan, tao dieu kien thuan ldi eho eac doanh nghiep, eac nha dau ttt va ho san xua't ca the dau ttt phat trie'n san xuat - kinh doanh.
Nam 2017, tdng vd'n huy dong cua cac td chttc tin dung tren dia ban la 24.424 ty ddng, tang 18%
so ciing ky; doanh so eho vay la 55.800 ty ddng, tang 8,2% so cung ky; tdng dtt nd tin dung la 27.609 ty ddng, dat mttc tang trttdng tin dung 10,97%; nd xa'u 865 ty ddng, chie'm 3% tdng dttnd.
2.2. Hieu qua hoat dpng cua Quy tin dung nhdn ddn giai doan 2013 - 2017
2.2.1. Ve phdt trien thdnh vien
tien te, tin dung, gdp phan quan trong vao viec xda ddi giam ngheo, ban che' nan cho vay nang lai d khu vttc ndng thdn.
Tuy nhien, ttt nam 2015, so' Ittdng thanh vien d eac QTDND cd chieu httdng giam. Dieu nay la do quy dinh ve mttc vd'n gdp xac lap ttt each thanh vien va mttc vd'n gdp thttdng nien cua QTDND (Dieu 28, Thdng ttt sd' 04): Vdi viec phai gdp vd'n xac lap ttt each thanh vien 300.000 ddng (trttdc day la 50.000 ddng), radi nam phai duy tri vd'n gdp thttdng nien them 100.000 ddng (trttdc day khdng quy dinh) thi viec trien khai thttc te cd phat sinh khd khan vi thanh vien cd ngttdi da di chuyen khdi dia phttdng, cd ngttdi tham gia nhttng
Bong 1. So li/dng thdnh vien cua cac QTDND giai doqn 2013-2017
Ddn vi: thdnh vien
STT 1 2 3 4 5 6 7 8 9 10 11 12
Ten Phu Lpc
Huynh HOu NghTa Thanh Phu Chau Hung Lich Hoi Thaong Soc Trang Vinh Chau Ke Sach My Xuyen Thanh Qudi Trudng Khanh Phu Tan
Tdng
Nam 2013 2.950 1.176 2.898 798 2.916 2.230 1.528 1.576 1.516 921 1.282 1.738 21.529
Nam 2014 3.033 2.427 806 1.209 2.372 3,145 1.564 1.630 1.462 951 1.359 1.825 21.783
Nam 2015 3.108 1.891 813 1.235 2.397 3.376 1.581 1.698 1.534 561 1.410 1.909 21.513
Nam 2016 3.148 1.944 817 1.002 2.242 3.508 1.601 744 1.509
545 1.449 1.959 20.468
Nam 2017 2.904 1.489 784 1.011 2.317 3.546 1.642 819 788 531 1.453 1.983 19.267
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trdng
Qua sd' lieu thd'ng ke tai Bang 1 cd the tha'y, sau hdn 24 nam boat ddng, he thd'ng QTDND da thu but khoang 19.267 thanh vien. Dieu nay chttng td, ngttdi dan da thay ldi ich thie't thttc do QTDND mang lai, ben canh nhttng dac die'ra ttu viet cua loai hinh TCTD nay nhtt viec khdng phan biet tudi tae, dia vi xa hdi, gidi tinh, khdng phan biet gdp vd'n nhieu hay it cua eac thanh vien tham gia trong khi lai cd quyen ngang nhau trong quan tri, kiem soat, dieu banh; be thd'ng QTDND
<la tao dttdc vi the kha vttng chac tren thi trttdng
khdng mud'n gdp vd'n thttdng nien; thanh vien khdng cd kha nang duy tri viec ddng gdp.
2.2.2. Ve vdn dieu le
Tinh hinh vd'n dieu le cua cac QTDND dttdc trinh bay d Bang 2 cho tha'y 12/12 QTDND deu ed vd'n dieu le tang dan qua cac nam. Viec tang vd'n dieu le nham dap ttng nhu cau md rdng quy md boat ddng cung nhtt dau ttt xay dufng tru sd lam viec, raua sam tai san cd dinh de dam bao an toan trong boat ddng.
Ke't qua tdng hdp cho tha'y, 12/12 QTDND deu
So 13 Thdng 10/2018 383
TAP CHi CONG THIffllNG
Bang 2. Von dieu le cua cac QTDND giai dogn 2013-2017
STT
1 2 3 4 5 6 7 8 9 10 11 12
Ten
Phu Lpc
Huynh HQu NghTa Thanh Phu Chau Hung Ljch Hoi Thifdng Soc Trang VTnh Chau KeSach My Xuyen Thanh Qu6i Tradng Khanh Phu Tan
Tong
Nam 2013
2.005 2.401 2.344 1.025 2.653 2.231 8.081 1.826 2.006 1.540 1.666 1.397 29.175
Nam 2014
2.340 2.812 2.599 1.127 2.415 3.308 9.083 2.103 2.101 1.660 1.820 1.745 33.113
Nam 2015
2.649 3.200 2.855 1.306 2.637 4.080 10.090
2.434 2.337 1.746 2.031 2.027 37.392
Ddn
Nam 2016
3.129 4.000 2.827 1.400 2.740 4.370 10.290
2.650 2.300 1.780 2.250 2.332 40.068
Vi: trieu cJdng Nam 2017
3.409 5.000 2.840 1.500 3.000 4.600 10.490
3.050 2.300 1.780 2.400 2.680 43.049
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trdng
dam bao vd'n dieu le td'i thieu bang mttc vd'n phap dinh 100 trieu ddng, trong dd bau he't QTDND deu cd vd'n dieu le cao gap nhieu lan so mttc vd'n phap dinh va tang dan qua cac nam. Cac QTDND da chu y de'n viec tang cttdng nang life tai chinh bang each thu hut them thanh vien radi, van ddng thanh vien tich cttc thara gia gdp vd'n de tang vd'n dieu le, ban che tinh trang cbi phdi ve vd'n dieu le bdi mdt sdit thanh vien. De'n ngay 31/12/2017, vd'n dieu le cua toan he thd'ng QTDND la 43.049 trieu ddng, tang gap 1,48 lan so vdi thdi die'ra ngay 31/12/2013.
2.2.3. Ve vdn huy dpng tien gai
Ke't qua tai Bang 3 cho tha'y: Vd'n buy ddng tien gtti tai cac QTDND tang trttdng manh me qua cac nam. Cu the nam 2017, td'ng vd'n huy dpng tien gtti cua 12 QTDND dat 763.520 trieu ddng, ga'p 1,5 lan so vdi nam 2013. Dieu do cho tha'y, rad hinh QTDND cd kha nang huy dpng vd'n trong dan ctt kha ldn. Dac biet thttc hien quy dinh cua Ngan hang Nha nttdc Viet Nam tai Thdng ttt sd 04/2015/TT/-NHNN ngay
31/3/2015, theo dd quy dinh ty le huy dong tien gtti cua thanh vien phai dat d mttc td^i thieu la 50%. Ke't qua nam 2015 cd 08/12 QTDND dat, nam 2016 cd 10/12 QTDND dat, nam 2017 ca 12/12 QTDND deu dat mttc td'i thieu theo quy dinh.
2.2.4. Duna cdp tin dung
Theo sd heu thd'ng ke ttt Bang 4, diln bien dif nd cap tin dung eua cac QTDND tang dan qua cac nam. Dac biet giai doan 2014 - 2015, dttnd cap tin dung tang len manh me do da qua giai doan cung CO, chan chinh, boat ddng cua cac QTDND da an toan hdn, hieu qua hdn, tttng QTDND da chii trong de'n viec tang quy md boat ddng, dap ttng von ngay cang ldn hdn cho thanh vien. Tdng dttnd cua cac QTDND nam 2013 la 509.945 trieu ddng, nam 2017 la 690.499 trieu ddng, tang 1,35 lan so vdi nam 2013.
2.2.5. Ke't qud kinh doanh Quy tin dung Sd heu tdng hdp tai Bang 5 cho thay, giai doan nam 2013 2017, ke't qua kinh doanh cua cac QTDND tang trttdng deu qua cac nam. Nam 2016,
TAI CHiNH - NGAN HANG - BAO HIEM
Bang 3. Von huy dpng tien gufi cua cac QTDND giai doqn 2013-2017
Ddn vj: trieu dong
sn
1 2 3 4 5 6 7 8 9 10 11 12
Ten
Phu LOG
Huynh HOu NghTa Thanh Phu Chau Hung Ljch Hp! ThKOng Soc Trang VTnh Chau Ke Sach My Xuyen Thanh Qudi Trudng Khanh Phil Tan
Tong
Nam 2013
61.801 41.740 22.054 26.958 56.593 60.452 100.233
28.777 38.464 15.576 35.281 20.755 508.684
Nam 2014
74.552 53.614 28.545 45.230 67.160 74.207 105.839
39.075 39.446 21.265 37.365 26.958 613.256
Nam 2015
70.476 64.626 40.538 45.993 67.855 89.142 106.182
39.998 36.832 21.721 38.600 34.120 656.083
Nam 2016
73.361 89.245 51.922 58.026 81.651 80.574 116.027
42.773 38.660 25.826 39.128 42.130 739.323
Nam 2017
67.716 108.603
59.205 57.632 96.688 86.186 104.379
49.841 35.204 21.445 30.276 46.345 763.520
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trdng
Bang 4. DU np cdp tin dung cua cdc QTDND giai doan 2013-2017
Ddn vj: trieu dong
STT
1 2 3 4 5 6 7 8 9 10 11 12
Ten
Phu Lpc
Huynh HOu NghTa Thanh Phu Chau Hang Ljch Hoi ThOdng Soc Trang VTnh Chau Ke Sach My Xuyen Thanh Qudi Tn/dng Khanh Phu Tan
long
Nam 2013
53.879 46.003 39.501 35.057 60.705 35.951 88.500 32.048 38.987 24.638 29.803 24.873 509.945
Nam 2014
57.896 52.935 46.811 42.418 45.819 76.101 101.473
33.068 32.141 23.700 25.035 26.054 563.451
Nam 2015
61.482 64.000 54.239 47.007 53.237 87.358 110.482 38.399 39.164 26.619 25.163 28.857 636.007
Nam 2016
64.128 73.635 58.713 48.018 57.098 87.416 107.939
43.772 32.959 23.827 24.453 32.701 654.659
Nam 2017
69.801 78.150 67.250 51.377 61.363 88.648 114.167
46.765 34.753 22.581 23.868 31.776 690.499
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trdng
So 13 Thdng 10/2018 385
TAP CHi CONG THIfOlNG
Bang 5. Ket qud kinh doanh cua cac QTDND giai doqn 2013 - 2017
Ddn vj: trieu dong
STT
1 2 3 4 5 6 7 8 9 10 11 12
Ten
Phu Lpc
Huynh HOu NghTa Thanh Phu Chau Hifng L|ch Hoi Thudng Soc Trang VTnh Chau Ke Sach My Xuyen Thanh Qudi Trudng Khanh Phu Tan
Tong
Nam 2013
912 1.207
363 227 1.366 1.055 2.060 685 621 328 637 448 9.909
Nam 2014
1.001 1.599 453 275 776 1.669 2.222 753 701 349 698 538 11.034
Nam 2015
1.007 2.135 456 322 924 1.736 2.371 612 609 319 726 580 11.797
Nam 2016
824 3.003
456 327 1.386 1.219 871 622 653 344 613 358 10.676
Nam 2017
833 3.835
456 342 1.435 1.388 1.521 794 652 270 604 546 12.676
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trdng
ke't qua kinh doanh sut giam do ty le np xa'u tang, cac QTDND phai thttc hien trich lap dtt phdng, nhttng de'n nam 2017, ke't qua kinh doanh dat 12.676 trieu ddng, tang hdn 1,09 lan so vdi nam 2016. Trong dd, 12/12 QTDND boat ddng deu cd lai. Nhd dd quyen Ipi cua thanh vien cung dttpc bao dam, QTDND cd dieu kien tich luy de rad rdng phat trien.
2.2.6. Ve khd ndng sinh ldi
ROA va ROE thttdng dttpc stt dung chung de danh gia kha nang sinh ldi chung cua td chu'c tai chinh, trong dd cd cac TCTDHT. Theo chuan mtfc danh gia nang life tai chinh cua Moodys thi cac chi tieu kha nang sinh ldi dttpc danh gia tdt trong khung ROA > 1%; ROE > 12 - 15%.
Ke't qua tdng hpp tai Bang 6 cho thay, cac chi
Bang 6. ROA, ROE cua cdc QTDND giai doqn 2013-2017
Ddn vi: trieu dong
^ ~ ~ ^ ^ ~ ^ Nam Chltieu ^~^-~-,_^^
Tdng tai san Vdn chu sd hOu Vd'n dieu le Ldi nhuan ROA(%) ROE (%)
2013
920.541 71.285 29.175 9.909 1,08%
13,90%
2014
920.500 72.385 33.113 11.034 1,20%
15,24%
2015
990.641 75.400 37.392 11.797 1,19%
15,65%
2016
921.641 75.485 40.068 10.676 1,16%
14,14%
2017
970.252 83.846 43.049 12.676 1,31%
15,12%
Nguon: Bdo cdo tinh hinh hoat dpng QTDND cua NHNN Sdc Trang
TAI CHiNH - NGAN H A N G - BAO HIEM
tieu ldi nhuan (ROA, ROE) ttt 2013 2017 deu i difdc danh gia td't trong khung ROA > 1%; ROE >
j 12 - 15%. Dieu nay chttng td tinh hinh boat ddng - cua QTNDN dang dan dn dinh va phat trien theo I chieu httdng td't.
3. Giai phap nang cao hi$u qua hoat dong cua Quy tin dung nhan dan tinh Soc Trang
Tha nhdt, xdy dUng chien luac phdt trien he thdng QTDND.
Ddi vdi cac QTDND hien ed, can ctt tinh hinh , kinh te xa hdi dia phttPng, nhu cau vd'n, kha nang huy ddng vd'n; chu ddng xay dttng, trien
• khai va dieu chinh chie'n Ittpc, ke hoach kinh . doanh phu hpp vdi diln bie'n cua thi trttdng, dieu
kien phat trie'n kinh te' - xa hdi cua dia phttPng va quy dinh cua NHNN (tang ty trpng huy ddng, cho vay thanh vien).
Tha hai, hodn thien cdc quy trinh noi bp.
Cac QTDND dtta tren cac quy dinh cua NHNN siia ddi, bd sung va hoan thien cac quy dinh, quy trinh nghiep vu, nhtt: Quy che lam viec cua Hdi dong quan tri; KBS; Quy trinh cho vay, quan ly tien vay, dam bao viec stt dung tien vay dung
; muc dich; Tang cttdng thie't che kiem soat boat dgng tin dung theo nguyen tac phan dinh va bao dam tinh ddc lap gitta bd phan thara dinh va bd phan xet duyet cho vay; Quy trinh kiera soat noi bo...
Thaba, ndng cao ndng luc dpi ngu cdn bp qudn tri QTDND.
Thong qua viec dao tao, dao tao lai nham nang cao kie'n thttc nghiep vu tai chinh ngan hang, kha nang quan tri, dieu hanh va kiera soat va dao dttc nghe nghiep; QTDND can xay dttng ke hoach dao tao, dao tao lai hang nara va tap huan nghiep vu radi; Chu ddng lien he, de xua't, kien nghi de nhan stt QTDND dttpc tham gia cac khoa dao tao do Hiep hdi, NHHTX, NHNN td chttc. Cd quy che' tuyen dung trong dd quy dinh rd tieu chuan, ttu tien nhttng ngttdi cd trinh dp, dttpc dao tao chinh quy de' vao cac vi tri nghiep vu, tie'p tuc dao tao, bdi dttdng de giao gitt cac nhiera vu quan trpng cua QTDND.
Tha tu, ndng cao hieu qud huy dpng vdn.
Da dang hda cac phttPng thttc huy ddng vd'n cua QTDND, trong dd chu trpng nang dan ty trong huy dpng vd'n ttt thanh vien, ke ca cac khoan tien gtti cd quy md nhd, le nhttng cd tinh
d'n dinh lau dai. CP ca'u lai boat ddng cua cac QTDND theo httdng tang ty trpng tien gtti cua thanh vien, tie'p tuc duy tri ty trpng tien gtti cua thanh vien tren 50% tdng ngudn vd'n huy ddng.
Thd ndm, ndng cao hieu qud hoat dpng tin dung.
Tang ty trpng cho vay dd'i vdi thanh vien, tie'n tdi duy tri dtt np cho vay dd'i vdi thanh vien ttt 90% trd len de' thttc hien tdn chi, muc dich cua loai hinh HTX.
Doi mdi va hoan thien quy che' ndi bd ve boat ddng cho vay, quan ly tien vay de' dam bao viec stt dung tien vay dung muc dich; tang cttdng thie't che kie'm soat boat ddng tin dung theo nguyen tac bd phan thara dinh va bd phan xet duyet cho vay phai dpc lap vdi nhau. Tang cttdng kiera soat chat Ittpng tin dung; tich cttc, chu ddng quan ly va kie'ra soat np xa'u; tang cttdng hieu qua quan ly rui ro de' giam chi phi dtt phdng rui ro.
Tha sdu, ndng cdp, hodn thien ca sd vat chdt, trang thie't bi vd ndng cao ndng luc cdng nghe thong tin cua cdc QTDND.
Mdi QTDND can chu trpng dau ttt xay dttng tru sd, cac trang thie't bi, he thd'ng thdng tin quan ly, tin hpc hda trong quan tri, dieu hanh nghiep vu, bao dam 100% QTDND cd cP sd vat chat dap ttng yeu cau an toan hoat ddng va dttdc lap dat internet, fax; Hoan thien lap dat he thd'ng thdng tin quan ly thd'ng nha't trong toan he thd'ng de' cac QTDND boat ddng chuyen nghiep. Day manh ttng dung cdng nghe thdng tin, phan mem dap ttng yeu cau quan tri, quan ly tai chinh, bach toan, ke' toan, che dp bao cao theo quy dinh cua phap luat.
Tha bdy, hodn thien khudn khd phdp ly, the che.
Hoan thien cac cP che chinh sach va hanh lang phap ly de hd trp cac QTDND phat trie'n theo dung nguyen tac HTX, phu hpp vdi dac thu cua rapt loai hinh TCTDHT cd quy md nhd, day manh tinh hpp tac cua cac thanh vien trong ndi bd tttng QTDND, tang cttdng tinh hen ke't vdi epng ddng va stt giam sat cua cdng ddng dd'i vdi boat ddng cua QTDND; dam bao cho QTDND thttc stt boat ddng tren tinh than tttdng trp gitta cac thanh vien nhttng cd nghia vu vdi nhau va tang cttdng gan ke't gitta cac thanh vien vdi QTDND; Gan chat hdn boat ddng cua QTDND vdi boat ddng san xua't kinh doanh dac thu tai dia ban cua cac
So 13 Thdng 10/2018 387
TAP CHi CONG THIfdNG
thanh vien. Den nay, md hinh nay dang dttpc dieu quan tuyen truyen ehinh sach bao hiem tien giii chinh bdi be thd'ng cac van ban. trong viec bao ve quyen ldi cua ngttdi gtti tiln la
Tha tdm, tdng cudng su tham gia cua Bdo hiem thanh vien cua QTDND. Kiem tra viec chap hanh tien sici Viit Nam. cac quy dinh cua phap luat ve Bao hie'm tien gufi.
iicn gui r I.C.I. lyVilli. i ^ • ^ ^ -^ ^ - o —
Tang Cttdng cdng tac tuyen truyen chinh sach Trong dd cd quy dmh ve cap va thu hdi Chttng nhan cua Nha nttdc ve bao hie'm tdi cac khach bang cua tham gia BHTG, quy dinh ve niem yet Chttng nhan QTDND, NHHTX. Phdi hpp vdi cac dPn vi cd lien tham gia BHTG •
TAI LIEU THAM KHAO:
Tdi lieu tieng Viet
1. Nguyin Thi Ngoc Anh (2017), Phdt trien ben vUng he thdng TDND Viet Nam, Ludn dn tien si kinh te. Hoc vien Ngdn hdng.
2. Chinh phii nUdc Cong hda Xd hdi Chii nghia Viet Nam (2011), Nghi dinh sd 10/2011/ND-CP ve viec sica doi, ho sung mot sddieu ciia Nghi dinh sd 141/2006/ND-CP ve ban hdnh Danh muc vd'n phdp dinh cua cdc TCTD.
3. Cue Thdng ke tinh Sdc Trdng (2018), Bdo cdo thdng ke tinh hinh kinh te, xd hdi tinh Sdc Trdng ndm 2017.
4. Ngo DUc Duy (2016), "Mot so gidi phdp hodn thien QTDND", Tap chi Tdi chinh, ky 2 thdng 10/2016.
5. Ngo DUc Duy (2017), "Vai trd QTDND trong phdt trien kinh tendng thdn ", Tap chi Tdi chinh, ky 1 thdng 8/2017.
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T A I
CHiNH - NGAN
H A N G- BAO HIEM
Ngay nhan bai: 19/9/2018
Ngay phan bien danh gia va sufa chii'a: 29/9/2018 Ngay chap nhan dang bai: 9/10/2018
Thdng tin tdc gid:
1. TS. NGUYEN HONG HA
Trttdng Bo mon Tai chinh - NgSn hang, Trttdng Dai hpc Tra Vinh 2.LETHING0CLY
Phong Thanh tra, Ngan hang Nha nufdc - Chi nhanh tinh Sdc Trang
IMPROVING THE PERFORMANCE OF THE PEOPLE'S CREDIT FUND OF SOC TRANG PROVINCE
• Ph.D. NGUYEN HONG HA
Head of Department of Banking and Finance, Tra Vinh University
• LE THI NGOC LY
Department of inspection, the State Bonk of Vietnam - Soc Trang province Branch
ABSTRACT:
This study examines activities of the People's Credit Fund of Soc Trang province in order to develop solutions to improve the funds performance. The studys results show that the People's Credit Fund needs to improve following issues: Improving the efficiency of its capital mobilization; Finalizing its internal procedures based on the regulations of the State Bank of Vietnam; Launching appropriate training programs and reforming training documents actively;
Perfecting the legal framework; Enhancing the inspection, supervision, dectection and handhng violations timely; and Observing the implementation of legal provisions on insurance.
Keywords: People's credit fund, capital mobilization, the State Bank of Vietnam, Soc Trang province.
So 13 Thdng 10/2018 389
