TIN DUNG NGAN HANG DOI VCfl
NONG NGHIEP tfNG DUNG CONG NGHE CAO:
NGHIEN Clfu TAI TINH LAM DONG
• NGUYEN TH! LOAN - DAO DUNG TRI - N G U Y I N VIET HONG ANH - LE TH! TUYET HOA
TOM TAT:
Bang phflong phdp ihd'ng kd so sdnh, bdi vie'l ihflc hien ddnh gid cdc chi tieu lien quan de'n hoat ddng cho vay cua cdc ngan hang thfldng mai (NHTM) do'i vdi ITnh vflc nong nghiep cong nghe cao (CNC) lai tinh Ldm Dong trong giai doan ifl nam 2012 den ndm 2018. Kel qua nghien cflu cho Iha'y nhflng thdnh iflu ciing nhfl han che trong hoat dgng cho vay cua NHTM do'i vdi lmh vflc nong nghiep CNC tai Ldm Dong. Tfl do, bai vie't de xud't mStsd'giai phdp do'i vdi cac NHTM, cac cd quan chfle nang vd Uy ban Nhdn ddn tinh Lam Dong nham gdp phdn phat trien hoat dong cho vay cua NHTM trong ITnh vflc nong nghiep flng dung CNC cua tinh.
Ttf khoa: Nong nghiep cdng nghe cao, lin dung ngan hang, hoat dpng cho vay, linh Lam Dong.
1. Gidi thi^u
Ldm Dong la tinh cd nhieu tiem ndng, lOi ihe' ve tdi nguyen dd'i dai, nguon nhan Iflc vd dieu kien sinh thai phu hdp de phdt trien nganh Ndng nghiep, dac biet la linh vflc san xudt nong nghiep flna dung CNC nhfledc loai rau. hoa maucd nguon oo'c on ddi vd nhiet ddi. Dieu nay da gdp phan thay doi tap qudn canh tac vd nang cao gia tn san xua't cua cdc doanh nghiep ngdnh Ndng nghiep tai linh Ldm Dong trong thdi ky hpi nhdp qud'c te. Tfl nam 2004, chfldng trinh ndng nghiep CNC da dflpe Dang bp tinh Ldm Dong \ac dinh Id mdt trong cdc chfldns tnnh irpng tdm de^ chi dao thflc hien. Sau do. ifl ndm 2016 hdng loat cic chinh sdch khuye'n khich phal trien ngdnh Ndng nghiep flng dung CNC ra ddi. Trong dd, cdc chu trfldng chinh sach neu rd phfldng hfldng \d\ difng cac co che de thiic dd> phat trien ndng nghiep CNC \ J men khai Ke
hoaeh phat trien nong nghiep flng dung CNC giai doan 2017-2020. Theo Sd Nong nghiep va Phdt trien ndng thdn tmh Ldm Dong (2016), mac du sd hflu nhflng ldi the phdt trien nganh Ndng nghiep nhflng cac DN, HTX va hp gia dinh san xua't ndng nghiep flng dung CNC vdn gap khdng it khd khdn khi vo'n dau tfl vao linh vflc nay kha ldn, ddi hoi cac chu the hoat dpng trong lmh vifc ndng nghiep CNC phai tim kie'm vd'n dau tfl tfl cac NHTM.
-Nghien cflu ve ITnh vflc vay vd'n ngdn hang do'i vdi san xuat nong nghiep ndng thdn la de tdi dfldc nhieu nha nghien cflu thflc hien nhfl: Diagne, A., Zeller. M . & Sharma M. (2000), Boucher vd cdng sfl (2006). Gounder, N., & Sharma, P. (2012), Guo vd Stepanyan (2011), Nguygn Vdn Tuan (2015).
Cdc tac gia irfldc day da di vao nghien cflu cac
>eij td anh hfldng den quye't dinh cho vay ciia cdc ngdn hang irong ITnh vflc ndng nghiep ndng ihdn.
So 2 - T h a n g 2/2020
TAI C H J N H - N G A N HANG-BAO HIEM
Le Dang Lang va Le Ta'n Bu"u (2014) da nghien cflu ve va'n de phdt irien ndng nghiep flng dung CNC va de ra nhflng giai phdp chien Ifldc phat trien hieu qua. Bai vie't "Tin dung ngdn hang dd'i vdi ITnh vflc ndng nghiep flng dung cdng nghe cao:
Nghien cflu lai linh Lam Dong" nham phan dnh thflc trang hoat ddng cho vay ndng nghiep CNC cua cac NHTM tai linh Lam Dong - mdt trong nhflng dia phfldng dfldc chii trpng phdt trien nganh Ndng nghiep CNC.
2. Ctf sof ly thuy§'t
2.1. Khdi ni$m ve ndng nghidp dng dung cdng nghe cao
Theo Vu Khoa hpc Cdng nghe - Bp Ndng nghiep va Phat trien ndng ihdn (2016), ndng nghiep flng dung cdng nghe cao la nen ndng nghiep dfldc ap dung nhij'ng cdng nghe mdi vdo san xua'l, bao gom: Cdng nghiep hda ndng nghiep (cd gidi hda cac khau cua qua trinh san xud't), tfl dpng hda, cdng nghd thdng tin, cong nghe vat lieu mdi, cdng nghe sinh hpc va cac gid'ng cay trong, gid'ng vat nudi cd nang sua't va chd't Ifldng cao, dat hi$u qua kinh td' cao tren mdt ddn vi dien tich vd phat trien ben vflng tren cd sd canh tac hflu cd.
Cd sd ha tang trong san xua't ndng nghiep flng dung CNC can phai cd du ha tang cd sd nen cac DN, hd ndng dan phai can mdt nguon vd'n dau tfl khd ldn de dau tfld^ng bp tfl dien, nfldc, nha kinh, he thd'ng kho lanh bao quan,.., de san pham dat dfldc yeu cau chd't Ifldng cao. Ben canh dd, viec ap dung cac ky thuat mdi trong nhan gid'ng, canh tde, mua lai cong nghe hien dai tfl nfldc ngoai, thue chuyen gia hfldng ddn, tfl va'n, ddo tao... cung td'n kem ra't nhieu chi phi. Vdi so' vd'n dau tfl ldn, ngodi viec phai dfla vac ndi life eua minh thi nhffng ngfldi lam ndng nghiep flng dung CNC ra't can sfl hd trp cua nguon vo'n tfl NHTM.
2.2. Ddc diim hogt dgng cho vay cua NHTM dd'i vdi ttnh vifc ndng nghiep dng dung CNC
Theo Thdng tfl so 39/2016/TT-NHNN ngdy 30/12/2016 cua Ngdn hang Nha nfldc Viet Nam quy dinh ve hoat dpng cho vay cua to chfle tin dung, chi nhdnh ngdn hang nfldc ngoai dd'i vdi khdch hang, cho vay la mpl hinh thfle ca'p tin dung, theo dd to chiJe tin dting giao cho khdch hdng su"
dung mpt khoan lien de siJ dung vao muc dich va thdi gian nha't dinh theo thda thuan vdi nguyen tde ed hoan tra ca gd'c vd lai. Nhfl vay, cho vay nong nghiep itng dung CNC dfldc hieu Id cho vay cdc
dd'i tifpng iJng dung CNC Irong san xua't ndng nghiep, cho vay ndng nghiep flng dung CNC ihupc cho vay dd'i tfldng ndng nghiep ndng thdn.
Cho vay ndng nghiep flng dung CNC cd ban gifl dfldc nhflng dac diem cua tin dung ndi ehung va tin dung ndng nghiep ndng thdn ndi rieng. Tuy nhien, cung cd mpt so' dac diem khde biet nhfl:
-i- Tinh cha't thdi vu gd'n vdi chu ky sinh trfldng va cdng nghe nudi trong, lai tao ca'y ghep tren dpng thflc vat cd anh hfldng de'n ye'u to' quye'l dinh de linh toan thdi han cho vay,
-i-Mdi trfldng tfl nhien khong cdn la va'nde anh hfldng de'n thu nhap vd kha nang tra np cua khdch hang, bdi vi khi flng dung CNC vao san xud't ndng nghiep, ngfldi vay khdng edn phai chiu nhieu nhffng rui ro khdeh quan tfl tfl nhien vd mdi irfldng.
+ Chi phi Id' chfle cho vay khdng cao so vdi cho vay ndng nghiep thdng thfldng vi san xua't ndng nghiep flng dung CNC hau he't deu ed quy md ldn, vd'n dau tfl nhieu dan den sd' den cho vay tflng mdn vay ciing ldn hdn, dflnd binh quan tren mdi khdch hang cung eao hdn.
+ Cho vay ndng nghiep flng dung CNC, rui ro tfl mdl trfldng hau nhfl khdng cdn dang lo ngai, nhflng lai xua't hien nii ro ve cdng nghe va riii ro ma't vd'n.
Viec flng dung CNC trong ndng nghiep, ne'u nghien cflu khdng chuyen sau, bdi ban, ky thuat dp dung khdng dam bao cd the dan tdi linh hud'ng tha't bai trong san xua't. Ben canh dd, viec dau tfl CNC doi hdi vd'n nhieu nhflng neu khi bo vd'n dau tfl nhieu ma lai tha't bai se ra't khd khan de chuyen sang md hinh khde so vdi hoat ddng trong ITnh vflc ndng nghiep thdng thfldng.
2.3. Cdc tieu chi ddnh gid hogt dgng cho vay cua NHTM ddi vdi Iinh vUc ndng nghiep dng dung CNC
Bai vie't trinh bay mdt sd' tieu ehi ddnh gid hoat dpng eho vay cua NHTM de flng dung ddnh gia hoat ddng eho vay ITnh vflc ndng nghiep flng dung CNC tai tinh Lam Dong. Theo Bui Dieu Anh (2010), hoat dpng cho vay eua NHTM dfldc danh gid qua mpt so' deu chi nhfl: chi tieu tang trfldng ve dfl nd eho vay, cd ca'u dfl nd eho vay, so' Ifldng khach hang vay, eha't Ifldng hoat ddng cho vay,...
'^'Chi Tieu tdng trudng ve sd lucfng khdch hdng vay vd ccf cd'u du nc/ cho vay
Phat trien tin dung ngan hang ve ndng nghiep flng dung CNC eiing nhfledc hoat ddng tin dung d nhffng linh vflc khac dfldc phan anh thdng qua sfl
gia ldng ve ^d lfldng khdch hang \ a \ . quy md \ a lOL- dd dfl nd cho vay. Dfl nd cho vay cd the ddnh gid dfldc qu) md cho \ a \ . d f l n d c a n g c a o thi quy md cho vay c a n g ldn.
Chi lieu ve cdcd'u dflnd lin dung ngdn hang ddi vdi n d n g n g h i e p flng d u n g C N C cd the dfldc ddnh gid q u a cd cd'u tin d u n g nhfl sau: Ty irpng dfl nd cho vav cd lai san d a m b a o iren tdng dfl nd cho
\ a \ . T y i r o n g d f l n d c h o vay t h e o ihdl han va> iren tdng dfl nd; T\ trpng dfl nd cho va\ t h e o muc dich san xual ndng san cdng nghe c a o tren tdng dflnd.
* Chi lieu ddnh gid cbdt luang hoqt dong cbo vay
Chi tieu nay chii ye'u ihe hien qua i> le np qua h a n , nd xdu vd cd cd'u nd qud han vd nd xd'u tfl hoal d g n g tin d u n g vc n d n g n g h i e p C N C .
2.4. Cdc yeu td dnh hifdng den sif phdt trien hoqt dOng cho vay ctia .\HT.\I ddi vdi Unh viic ndng nghidp dng dung cdng ngh^ cao
T h e o Ho Dieu (2002). cd 2 nhdm nhan td chinh a n h hfldng d c n phdl i n e n lin d u n g ciia N H T M ndi chung. Dd la n h d m nhan id chu quan ifl phia ngan h a n g va n h d m nhan id khdch quan.
a) Nhchn nbdn td chii i/uan lif phia NHTM
*Cbinb sdch tin dung vd h(' ihdng kietn sodt ngi bc>
D e cd the phdi irien lin d u n g dd'i vdi n d n g n g h i e p flng d u n g C N C . NHT.M phai cd chinh sdch lin d u n g rd rang, phii hdp vdi dieu kien ciia ngdn h a n g minh nhflng phai d d m b a o dung quy chd. cdc dieu kien vc an toan tin dung, ludn ihu phdp ludi vd dfldng Id'l. chinh sdch cua nhd nfldc. He thdng kiem sodl ndi bd cua NHTM bao gdm cdc he thd'ng c a c quy dinh ndi bd \ c ma tran kiem -sodt dpc (cd cd'u id chffc phdn q u y e n k i e m sodt) va ma Iran k i e m sodt n g a n g (quy trinh k i e m sodt) irong dd Idnh d a o va nhan vien ngan hdng deu iham gia vdo hoal d d n g kiC'm so.ii J c ngan ngffa. phdt hien nhdm g i a m thieu riii ro cho ngdn hdng.
* H e Ihdng c d n g n g h e thdng lin ngdn hang He Ihd'ng t h d n g tin ngdn h a n g phai dfldc \ a \ dflng d a y dii. linh h o a l , c u n g c a p ihdng tin mol each chinh xdc. kip thdi phue vu \ e u cau cua khdch h a n g \ c lal ca c a c m a t dich vu, giup cho NHTM nhanh c h d n g n a m bai tinh hinh hoal dpng Un d u n g do dieu chinh kip ihdi cho phii hdp vdi thflc irang n h d m thda mdn n g a \ cdng c a o nhu cau ciia khdch h d n g , ciing nhfl idng cffdng kha n a n g b a o mdt.
p h d n g ngfla nii ro. p h a i irien tin d u n g ngdn hang J d i \ d i linh vffc n a ) .
^Hctal dcini> marketing
D e cd the" phdt trien hoat d d n g c h o vay n g a n hdna dd'i vdi ndng nghiep ffng d u n g C N C d d i h o i NHTNi phai cd ke hoaeh rd r a n g cu t h e v e chi phi dd de'p thi. q u a n g cdo, tdng mpt Iffdng n h a n sfl ldm c d n s ldc n e p thi. tfl van n h a m thu hut k h a c h h a n g .
* r o chdc hogl dgng vd chd't lucfng ngudn nhdn life , , Chat Ifldng nhan sfl bao gid c u n g la m d t y e u id a n h hfldng de'n sfl phat trien h o a t d d n g tin d u n g ngdn h a n g . T d chffc v e h o a t d d n g eho v a y vd ngudn n h a n Iflc iham gia trong quy trinh c a p tin dung ve ndng nghiep flng d u n g C N C n e u dflde sdp x e p khoa hoc vd cd sfl phdi h d p c h d l c h e , n h i p nhang gifla cdc phdng ban irong mdi ngdn h a n g , trong he thdng ngdn h a n g , sff lien ke'i gifla c a c c d quan chfle nang,... se tao dieu kien g i u p cho h o a t ddng nay phdl irien va hieu q u a .
b) N h d m nhdn td' khach q u a n
\\lc>i trifdng phdp ly
Chinh sach cho vay dd'i vdi n d n g n g h i e p ffng dung C N C cua ngdn h a n g chiu a n h hffdng bdi c a c chu trffdng. chinh sdch cua qud'c gia vd dia phffdng.
Cu t h e . khi Nha nfldc va dia phfldng cd ehinh sdch khuye'n khich phdt trien mpl ngdnh, mpt ITnh vflc ndo dd thi nhflng hdnh lang p h d p ly t h u a n ldi hdn cho ngdnh dd dfldc ban hdnh d e t a o d i e u k i e n k h u j e n khich phdt m e n . VI vdy, khdch h a n g s e cd cd hpi ue'p can ngudn vd'n vay tfl N H T M n h i e u hdn do hoat dpng cho vay bd sung vd'n b o a t d d n g d c a c n g a n h n g h e dffdc k h u y d n khich cOng dfldc N h a nfldc dat chu trffdng phdt trien.
' Mdl irudng kinh te - xd hgi
Khi n e n kinh te ed tang irfldng e a o va dn dinh, cdc khu vu'c trong nen kinh t e ' d e u ed nhu e a u m d rpng hoat d d n g san xud't - kinh d o a n h d n h i e u ITnh
\ffe khac nhau irong dd cd ITnh vffc san xua't n d n g n g h i e p flng d u n g C N C . Do d d , nhu c a u v a y v d n lang. lam cho cdc N H T M dd d a n g m d r p n g h o a t dpng cho vay hdn, giam ty le nd x a u , c h a t Ifldng hoai d d n g cho vay c u n g dfldc n d n g c a o .
3 . Phfldng p h a p nghign ctfu
Bdi yiet sfl dung ket hdp cde phfldng p h d p k h d e nhau d e thflc hien m u c tieu n g h i e n cffu. Phfldng phdp thdng k e dflpe sff dung d e tdng hdp, p h a n loai c a c s d h e u thfl ca'p ve h o a i d d n g cho vay ddi vdi ITnh vt/c n d n g n g h i e p ffng d u n g C N C tai N H T M linh L d m D d n g g i a i d o a n 2 0 1 2 - 2 0 1 8 . S d l i e u dfldc ihu Ihap tfl N g a n h a n g Nhd nfldc chi n h d n h tinh L a m D d n g ve viec bdo c a o k e t q u a h o a l d p n g eho
290 So 2-Thang 2/2020
TAI CHiNH-NGAN HANG-BAG HIEM
vay ve ndng nghiep, ndng thdn va cho vay iTnh vflc ndng nghiep flng dung CNC de nhdm tac gia phan tieh vd xffly thdng tin.
4. Ket qua nghien ctfu
4.1. ThUc trqng hoqt dqng cho vay cua cdc NHTM dd'i vdi Unh vUc ndng nghiep dng dung cdng ngh^ cao tqi tinh Lam Dong
* Ty trong du ncf cho vay linh vuc nong nghiep dng dung CNC
Theo so' lieu thd'ng ke d Bang 1, ty trpng dfl nd cho vay ndng nghiep flng dung CNC trong dff nd cho vay ndng nghiep ndng thdn ludn la mdt consdratnhd tha'p hdn 0,5%, rieng nam 2017 dat 1,267%.
* Ca cdu du ncf cbo vay Unh vuc nong nghiep dng dung CNC
Dff nd eho vay ngan han trong ITnh vflc ndng nghiep, ndng thdn tai cae NHTM tinh Lam Ddng cd sfl tang trffdng hdn nhffng nam trffdc do. Cu the, Chinh phu da ban hanh Nghi quye't so' 30/NQ-CP, Ngdn hdng Nhd nirdc ban hdnh quydt dinh so' 813/QD-NHNN ve mpt so' chinh sach cho vay ndng nghidp ffng dung CNC vao nam 2017.
Day la giai doan cae NHTM tinh Lam Ddng trien khai cac gdi cho vay flu dai trong ITnh virc ndng nghiep ffng dung CNC vdi mflc lai sua't tha'p hdn tfl 0,5 - 1,5% so vdi ldi sud't eho vay tai ngan hdng. (Bang 2)
"^ So luang khdch hdng vay linb vifc ndng nghiep dng dung CNC
Theo so' lieu thd'ng ke d Bang 3, khaeh hang vay nong nghiep ffng dung CNC ehu yeu Id cdc ca nhan, hp gia dinh. sd Ifldng DN, HTX vay d ITnh vffc nay kha it. (Bang 3)
"^ Ty le na xdu Irong eho vay ndng nghiep dng dung CNC tgi Ldm Ddng
Bdo cao tdng ket cua NHTM tren dia ban Ldm Dong cho thd'y. my hoat dpng cho vay ndng nghiep flng dung CNC da bat dau phat trien tff ndm 2015 vdi tdng dflnd tang manhd nam 2017 nhflng so'nd xa'u chi xua't hien d nam 2018 vdi ty le 1,47%.
4.2. Ddnh gid hoqt dgng cho vay dd'i vdi Unh vUc nong nghidp dng dung CNC tqi Ldm Dong
* Nhdng diim mgnh cUng nhu tbdnh ltfu dd dgt duac
- Dfl nd eho vay dd'i vdi ITnh vffe ndng nghiep flng dung CNC tai cac NHTM tinh Lam Dong cd sfl tang trfldng trong nhffng nam gan day, dac biel tfl nam 2016 den nam 2018.
- Hoat dpng cho vay dd'i vdi ITnh vflc ndng nghiep flng dung CNC tai cac NHTM tinh Lam Dong chu ydu la cho vay ngan han.
- Ty le nd xa'u cua boat dpng eho vay dd'i vdi ITnh vflc ndng nghiep ffng dung CNC lai Lam Dong chid'm ty trpng ra't thd'p trong long dff nd vd ehi mdi xua't hien nd xa'u d nam 2018
Bang 1. Ty trong da no cho vay NNCNC cua NHTM tgi Lorn Dong
Nam Du no cho vay NNNT DU no cho vay NNCNC Tyle(%)
2012 2 388
0,000%
2013 2.732
0,000%
2014 2.907
0,000%
2015 19 976
51 0,255%
2016 30.225
80 0,264%
DVT: ty dong 2017
44.049 558 1,267%
2018 58.775
283 0,481%
Nguon- Tong liOp lif Ngdn lidng Nha mfdc clu nhdnh linh Ldm Dong
Bang 2. Co cdu dU nd vay nong nghiep ifng dung CNC cuo NHTM tqi Lam Dong DVT: fy ddng Nam
Tdng du ng Du no ngan han Du no trung dai han Ty le du nd ngan han/Tong du no
^ T ^ d u no trung dai han/Tong du no 2012
0 0 0 0%
0%
2013 0 0 0 0%
0%
2014 0 0
2015 51 51 0 0%
0%
100%
0%
2016 80 42 38 53%
47%
2017 558 221 337 40%
60%
2018 283 174 109 62%
38%
Ngudn: Tong hcfp tif Ngdn hdng Nha nifdc chi nhdnh linh Lain Dong
Bang 3. Sd ladng khdch hang vay co dU nd voy nong nghiep Lfng dung C N C tgi Ldm Dong C$ng Nam
So khach hang vay nong nghiep dng dgng CNC la DN, HTX
. So khach hang vay nong
! nghiep iJng dung CNC la ca nhan, hd gia dinh Sd khach hang cd du np vay nong nghigp flng dung CNC la DN, HTX
j So khach hang co du np vay I ndng nghiep Ong dung CNC
!a ca nhan, hp gia dinh
2012
0
0
0
0 2013
0
0
0
0 2014
0
D
0
0 2015
2
0
2
0 2016
2
0
2
0 2017
8
768
7
572 2018
9
9
10
306
Tdng licfp tif Ngdn hdna l^bd mfdc chi nlidiih tinh Ldm Ddng
*Han ehe trong cap tin dung ddi ve'fi NNCNC tgi cbi nhdnh NHTM Ldm Dong
• Tbd nhd'l. cd ca'u dff nd cho \a\ dd'i vdi ITnh vffc ndng nghiep ffng dung CNC tai Ldm Dong khdng ddng deu, chii yeu Id cho vay ngdn han. dff nd cho vay tnmg dai han khdng ddng ke.
- Thdhai. dd'i tffdng khdch hang la cd nhdn. hd gia dinh chi mdi phdt men d nam 2017. 2018. sd' Ifldng DN. HTX vay vd'n san xua't ndng nghiep ffng dung CNC tai Lam Dong khd thd'p.
- Tbd ha. ty irpng dffnd cho \ ay ddi vdi linh vi/c ndng nghiep iVng dung CNC tai linh Lam Dong chiem ty trong rat tha'p trong long dfl nd.
* Nguxen nhdn eiia nhifng hgn ehe ircmg Iwgt dcmg cho vav dcn ve'fi Unh vife ndng nghiep Ung dung CNC tgi linb Lain Dcing
Tbd nhd'l, nhieu doanh nghiep san xua'l ndng nahiep chfla ddp flng dfldc dieu kien \a\ vd'n do phfldng dn san xua't kinh doanh thieu kha thi, vd'n chu sd hflu \d nang lffc ldi chinh cdn han che. id chffc ke toan cdn ihie'u chuyen nghiep. ihdng tin tdi chinh thie'u minh bach, dan den kha ndng tiep can vdn \ a\ NHT.M edn han ehe.
Thd bai. qu\ dinh \ e xdc dinh ddi tfldng thu hfldng chinh sdch de cho \a\ dd'i vdi ITnh vflc ndng nghiep ffng dung CNC cdn chung chung, chffa rd rang, chffa quy dinh cdquan ndo \ac nhdn cac tieu chi ciia dff an ffng dung CNC nen anh
hfldng de'n xem xet cap tin dung cua ngan hang.
Viec iham dinh tdi sdn thd chd'p cho vay tai ngan hang eung bi gidi han do chfla ed quy dinh ve lieu chud'n k\ thudl vd dinh mflc dfl loan xay dflng nha Ifldi. nha kinh khi flng dung CNC de cdc NHTM Idm cd sd iham dinh tai san thd chd'p eho vay.
Thd ha. cde NHTM chfla cd quy tnnh rieng ddc thii trong cho vay ITnh vffc ndng nghiep ffng dung CNC. dieu nay anh hfldng den viec xem xet tfl van cho khach hdng cd nhu cau vay.
Tln'f tu. ngdn hang chfla cd nhieu hinh thffc bao ddm lien vay. Hien tai, tdi san bao dam eho khoan
\a\ linh Vl/c ndng nghiep ffng dung CNC chu yeu la dd'i ndng nghiep ddng de san xud't va ba't dpng san Clia chu dau tff hoae ben thff ba.
Thd ndm. vd'n dau tfl cho dfl an thudc ITnh vflc ndng nghiep ffng dung CNC la ra'l ldn, ddc biet Id vd'n dau iiT xdy dffng nha Ifldi, nha kinh, trang thiet bi cho san xua't. Tuy nhien, cac ddi tfldng nay chfla dffdc cd'p gia'y chflng nhan cdc quyen
\ e tai san nen khdng du dieu kien de the chap ngdn hang. Mdc dii Nghj dinh sd55/20l5/ND-CP da cd Cd che vay cin chap den 80%/tdng mffc ddu tfl cua dfl dn. phfldng dn trong ITnh vt;c iTnh vffc nong nghiep ffng dung CNC, tuy nhien, cd che nay khd ihflc hien dfldc vl khdng dam bao an lodn cho khoan \ay tai edc NHTM.
292 So 2-Thang 2/2020
TAI CHlNH-NCAN HANG-BAD HIEM
5. Grfi y giai phap
* Dd'i vdi ngan hdng thUcfng mqi Thd nhd't, eac NHTM can ed edc chinh sdeh phu hdp ve vi6e thuc day hoat ddng eho vay ndng nghidp flng dung CNC dd'i vdi nhan vien tin dung.
NHTM can nghien cflu bo sung, chinh sffa, xdy dflng quy che, quy trinh, thu tuc eho vay ndng nghiep ffng dung CNC theo hfldng ddn gian, rd rang, dd thfle hien va lo chfle lap hua'n, hfldng ddn cde quy trinh, thu tuc ca'p tin dung cho cdc nhdn vien tin dung. Hdn nfla, de dam bao han che rui ro khi cho vay khong cd tdi san bao dam trong ITnh vflc ndng nghiep ffng dung CNC, cdc NHTM can phai xay dffng, hoan thien, he Ihd'ng xe'p hang lin nhiem khach hang vay.
Thd hai, cac NHTM can xem xel cd che dinh gid dd't nong nghiep cho phu hdp, phd'i hdp vdi cac ban nganh cua Tinh trong viec xdy dflng ed sd dfl lieu tai chinh ndng nghiep, de tren cd sd dd cd dff lieu phue vu dinh gia tai san dam bao, tang cffdng kha ndng khdch hdng cd the tie'p cdn dffdc han mflc tin dung phii hdp vdi nhu eau ma van
dam bao quy trinh ca'p tin dung cua ngdn hdng.
* Dd'i vdi UBND tinh Ldm Dong vd cdc sd, ban, ngdnh cd lien quan
Tbd nhdt, can day manh edng tae quy hoacb, thdm dinh, bdi thffdng giai phdng mat bang, dau tff cd sd ha tang, sdm cdng nhan cdc khu vffc san xua't nong nghiep flng dung CNC de cde doanh nghiep dang ky dau tff.
Thdhai. UBND tinh Lam Ddng ehi dao cac sd, ban, nganh cd hen quan sdm xdy dffng vd ban hanh quy dinh ve lieu chuan ky thudt vd dinh mffe dff todn xay dflng nha mang, nha Ifldi, nhd kinh flng dung cdng nghe cao de cac NHTM lam cd sd tham dinh tai san the chd'p eho vay. Ddng thdi, can chuan bi ede dieu kien can thie't de thflc hien viec cdng nhdn quyen tdi san tren dd't ndng nghiep vao gid'y chffng nhan quyen sfl dung da't khi co quy dinh thflc hien.
Thdba, UBND tmh Lam Dong can ldng cfldng eong tde xue tie'n thfldng mai vdi cde linh ban, dde biet Id TP. Ho Chi Minh, de cd ke'hoaeh sdn xua't - kinh doanh san pham theo nhu c^u thi trfldng •
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Ngay nhan bai: 15/1/2020
Ngay phan bifn 4anh gia va sila chifa: 25/1/2020 Ngay chap nhan dang bai: 5/2/2020
Thong tin tac gia:
1. PGS.TS. NGUYEN THI LOAN
TruTtfng Dai hoc Ngan hang Thanh pho H6 Chi Minh 2. ThS. D A O DUNG TRI
Quy Diu tKtinh LStm Dong 3. TS. NGUYfeN VltTH6NGANH
Chi cue Thue quSn Binh Thanh, Thanh phe'Ho Clii-Minh 4. PGS.TS. LE THI TUYET HOA
Trifdng Dai hpc Ngan hang Thanh pho Ho Chi Minh
LENDING ACTrVlTES OF COMMERCIAL BANKS FOR THE HIGH-TECH AGRICULTURE SECTOR:
RESEARCH IN LAM DONG PROVINCE
• AssocProf. Ph.D NGUYEN THI LOAN Banking University of Ho Clii Minh City
• Master. DAO DUNG TRI investment Fund of Lam Dong Province
• Ph.D NGUYEN VIET HONG ANH
Taxation Deportment of Binh Thanh District, Ho Chi Minh City
• AssocProf. Ph.D LE THI TUYET HOA Banl<ing University of Ho Chi Minh City
ABSTRACT:
By using the method of comparative statistics, this study calculates some intiicators relating to lending activities of commercial banks in Lam Dong province for the high-tech atniculture during the period from 2012 to 20i8. The study's results show several achievements and drawbacks of commercial banks' lending activities in the high-tech agriculture field in Lam Dong province. Based on these results, this study proposes a number of solutions for commercial banks for the authorities and the People's Committee of Lam Dong Province in order to enhance the lending activities of commercial banks for the high-tech asriculmre field in Lam Dong province.
Keywords: High-tech agriculture, bank credit, lending activities. Lam Dong province.
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