l 9 i f a B M n t l l l » » m i n l m i « i < n i i 1 | | B | | | | | | | | , | , | | | , J ) g g ^ ^ ^ ^
CAC HINH THUfCHO TRO
DOANH NGHIEP KHdl NGHl|P HUY DONG VON
HOANGTHlHdNG
Cdc daanh nghiip khdi nghiip, ddc biet Id khdi nghiep sdng tga (hay cdn goi Id startup) dd vd dana khdng dinh tiem ndng phdt trien. Dekhdi nghiip thdnh cdng, vdn di von ludn Id diiu kien tiin quyet dol vdi doanh nghiep khdi nghiip. Hogt dpng huy dpng vdn cho daanh nghiip khdi nghiep dd btidc thim dtigc mpt btidc tien quan trgng ketti khi lugt Hd trg doanh nghiip nhd vd vtia dtiac ban hdnh. Sau khi ludt cd hiiu Itic tti ngdy VVIO18, cdc cdp chinh quyen tti Trang tiang din dia phtiting, cdc to chtic chinh trjxd hpi, hiep hpi doanh nghiep tich ctic htidng ting, xdy dting kehoach de to chtic trien khai thtic hien ludt, kjp thdihd trg cho cdc doanh nghiep nhd vd vtia.
Tit khoa: Doanh ngbiep, doanh nghiep khdi ngbiep, phdt trien, kinh te
A
CURRENT SITUATION OF CAPITAL MOBILIZATION FOR START-UP ENTERPRISES IN VIETNAM ' HoangThiHong
I Entrepreneurs, especially creative startup ones (also linown as startups), Jmve been asserting great i potential for growth. In order to start a business
successfiilly, capital is always a prerequisite. The I capital raising activities far start-up businesses I liave taken an important step forward since the IMW on Small and Medium Enterprises Support j was enacted. Effective from January 1, 2018, all
levels of government from the central to local j levels, socio-political organizations, business
associations liave been actively implementing the I Law, promptly supporting support for small and
medium businesses.
Keywords: Businesses, startups, development, economics
\ 4
Ngdy nhgn bai: 13/4/2020 Ngay hoan thien bien tap: 24/4/2020 Ngay duyet dang: 29/4/2020
T
r u d c n a m 2017, cac chinh sach h u y d p n g von cho d o a n h nghiep khdi nghiep (DNKN) khdng d u o c b a n h a n h rieng. Q u y d i n h p h a p ly ve h u y d d n g v o n cho D N K N d u p c long ghep trong chinh sach hd trp D N , chirih sach tin d u n g hoac chinh sach p h a t trien nganh, ITnh v u c cu the. N a m 2017, Luat H d trp D N n h d va viia ( D N N W ) d u p c Qudc hdi khda XIV t h d n g qua (Luat sd 04/2017/QH14), la d a u mdcq u a n trpng k h a n g dinh cam ket m a n h m e ciia D a n g va N h a n u d c v e u u tien p h a t trien DNNVV, t r o n g dd cd DNKN. Luat da thiet Igp ra k h u n g p h a p ly cao nhat; d u a ra h ? thong cac giai p h a p hd trp D N N W phat t n e n dpc lap va sang tgo; gdp p h a n h i n h ihanii k h u vuc D N t u n h a n n a n g dpng, sang tao, lanh m a n h , hieu qua, b e n viing.
Nguon von tin dung ngan hang
Trong nhieu n a m qua, mdt trong nhiing k h d khan ldn nhat ddi vdi cac D N N W , dac biet la D N K N van la tiep can cac nguon von p h u c vu n h u cau san xuat kinh doanh- Phan ldn cac D N N W khd tiep cgn d u p c vdi n g u d n von tin d u n g tir n g a n h a n g t h u o n g mai (NFTTM). Cac D N N W diii yeii phai sit d u n g nguon vdn hi cd hoac vay tir nguon von khac vdi chi phi va rui ro rat cao. Ket qua cho vay ddi vdi D N N W den n a m 2015 van con kha khiem ton, cu the: Ty le d u n o cho vay ddi vdi D N N W trong giai d o a n 2011-2015 trung binh khoang 25% tdng d u n o cho vay toan bp nen kinh te.
De thiic day cac ngan hang cho vay theo m u c tieu ciia Nha nudc, Luat Ho tro D N N W (Dieu 8 ve H d tro tiep can tin dung) da quy dinh: Trong timg thdi ky, Chinh p h u quyet dinh chinh sach hd trp td chiic tin d u n g tang d u n p cho vay doi vdi D N N W ; D N N W d u o c CO quan, to chiic, ca n h a n ho trp xav d u
d u n g lg cu'dng p h u o n g an san xuat, kinh doanh kha thi, tanj n a n g luc quan tri, ky nang q u ^ iy, minh bgch hda chinh ciia DN...
Thuc hien ndi d u n g hd trp q u y dinh tgi Di^u 8 Luat Hd trp D N N W , N g a n h a n g Nha n u d c Viet N
•J^'rllNlNJ u a cni (Xao CdC xu:%. TAi CHfNH
(NHNN) da chi dao cac to chiic tin d u n g chii d d n g nghien cuu, xay d u n g cac c h u o n g trinh, gdi tin d u n g vdi lai suat h p p ly cho D N N W va doi mdi quy trinh, don gian hoa thii tuc vay von. Trong giai d o a n 2017- 2019, N H N N da 02 Ian dieu chinh giam tran lai suat cho vay ngan hgn bang d o n g Vi?t N a m ddi vdi cac Iinh vuc uu tien, Thifc Men chi dgo o i a N H N N , mpt so N H T M nha nudc va mpt sd N H T M cd p h a n ldn da 3 lan dieu chinh giam lai suat cho vay doi vdi cac linh vuc i m tien trong nam 2019. Dong thdi, cac N H T M ciing tap trung von tin dyng d i o Irnh vu'c san xuat, kinh doanh; chu dong tiep can ddi t u o n g khach h a n g D N N W , d u a ra nhieu chuang trinh, san p h a m u n tien, hd tro cho cac khach hang D N N W . N h d dd, d u n o cho vay ddi voi D N N W lien tuc tang qua cac n a m ke tit khi Luat H o tea D N N W cd hi^u luc, Tinh den 31/12/2019, d u n p tin dung ddi vdi D N N W dat h o n 1,6 trieu ty dong, chiem 36,8% tong d u n p khoi DN, tang 21,1% so vdi cudi nam 2018.
Dau tiTcho doanh nghiep nhd va vCTa kh6i nghiep sang tao
Nham tgo tien de cho cac hoat dpng d a u t u khdi nghiep, huat H6 trp D N N W quy dinh nha d a u t u cho D N N W khdi nghiep sang tao bao gom q u y d a u tit khdi nghi?p sang tao, td chiic, ca n h a n tiong n u d c va nudc ngoai thuc hien hoat d p n g kinh doanh thdng qua viec gdp vdn thanh lap, m u a cd phan, p h a n vdn gdp aia D N N W khdi nghiep sang tao, N g a y 11/3/2018, Chinh phli da ban h a n h Nghi dinh so 38/2018/ND-CP ve dau tij cho D N N W khdi nghiep sang tao d Viet Nam, Theo dd, Q u y Dau t u khoi nghiep d u p c hinh thanh tit nguon vdn gdp ciia cac nha dau t u n h a m t h u c hien dau t u cho khdi nghiep. Do thi t r u d n g d a u t u khdi nghiep con rat mdi d Vipt N a m va tiem an nhieu nii ro cho nha dau tu, Nha n u d c can tham gia gdp vdn cimg cac nha dau t u t u nhan de ho trp cho cac D N K N sang tao va cd ke hoach thoai von cu the de tao dieu kien cho cac nha dau t u tu n h a n tham gia (sau 05 nam),
Sau khi Nghi dinh sd 38/2018/ND-CP d u o c ban hanh, Bp Ke hoach va Dau t u da khan t r u o n g t n e n khai hirdng d i n de nha d a u tu' cd the d a n g ky thanh lap quy theo quy dinh tai Nghi dinh. Sau 02 n a m Nghi dinh so 38/2018/ND-CP d u a c ban hanh, den thang 03/2020, ca nirdc cd 5 quy d a u t u khdi nghiep sang tao t u n h a n da thdng bao thanh lap h p p lp vdi tong so von dieu le la 5,32 ty dong. Hien van chua cd dia p h u a n g nao trien khai dugc co d i e sir d u n g n g a n sach dia p h u a n g d a u tu vao D N N W khoi nghiep sang tao theo N g h i dinh so 38/2018/ND-CP.
Hoat dong ho trd
cua Quy Phat trien c]oanh nghiep nho va vira
Quy Phat trien D N N W dugc thanh lap theo Quyet d i n h sd 601/QD-TTg ngay 17/4/2013 ciia Thii t u d n g Chinh phil va bat d a u trien khai cac chuang tiinh h o trp tai chinh tit nam 2016 cho cac D N N W thudc doi tugng hd tip ciia Quy,
De dap u n g ^ u cau phat tnen, Nghi quyet so 35/
NQ-CP ngay 16/5/2016 oia Chinh p h u da giao Bd Ke hoach va Dau t u xem xet, siia dd'i va b o sung chitc nang, nhiem vu ciia Quy Phat trien D N N W de hd trg D N khdi nghiep va ddi mdi sang tao. Dieu 20 Luat Hd h-p D N N W da quy dinh Quy Phat hien D N N W cd chiic nang cho vay, tai trp doi vdi D N N W khdi nghidp sang tgo, D N N W tham gia cum Hen ket nganh, chudi gia tri. D e h u d n g dan thi hanh Luat, Chinh phii da ban h a n h Nghi dinh so 39/2019/ND-CP ngay 10/5/2019 ve to chiic va hogt ddng ciia Quy Phat trieri D N N W ,
Sau khi Chinh p h u ban hanh Nghi dinh sd 39/2019/
ND-CP, Quy da ban hanh quy che cho vay gian tiep va cdng bd miic lai suat cho vay ngan ban (4,16%/nam), trung va dai b a n (6,0%/nam), giii cd dinh hoac giam trong sudt thdi gian vay von. Den nay, Quy Phat trien D N N W da chap nhgn uy thac cho vay 149,8 ty dong va ky hpp dong iiy thac cho vay 14 d u an a i a D N N W vdi tdng sd von la 106,4 ty dong, da giai ngan dugc 92,5 ty dong 14 D N N W tir khi nhgn von vay ciia Quy den nay da tang tien 400 lao dgng, 5 DN phat tiien thanh D N l d n .
Hien nay, Quy Phat trien D N N W tiep tuc hoan thien khung p h a p ly vdi hoat dong cho vay gian tiep va tai trg cho D N N W . D u kien tiong nam 2020, Quy se chinh thiic cdng bo cac chuong trinh cho vay tntc tiep va tai trg doi vdi n h d m D N N W khdi nghiep sang tao theo diing }«u cau ciia Luat Hd tig D N N W , Hoat d o n g bao lanh tfn dung cCia he thong cac Quy bao lanh tin dung dja phUc^g
Tai Viet Nam, md hinh Bao lanh tin d y n g (BLTD) ra ddi tir n a m 2001 va tiep tire duoc cimg cd tai Nghi dinh so 56/2009/ND-CP ngay 30/6/2009 a i a Chinh p h u ve trg gnip phat h'ien D N N W n h u n g den het nam 2016 mdi cd 27 dia p h u o n g thanh lap quy. Cd the ndi, sau b a n 15 nam tiien khai, hoat dpng bao l&nh qua cac quy nay tiiy da dat dugc nhiing ket qua nhat dinh n h u n g van chua thuc su la cdng cu hieu qua de bao lanh cho DNNVV vay vdn tai NHTM. Dieu d l thay, n g u d i h u d n g Ipi true tiep va dau tien tir viec bao lanh tin d u n g cho D N N W la cac td chii'c tin dung chii khdng phai D N N W ,
N h a m khac p h u c cac v a n d e ton tai trong h o a t d p n g cua h e t h o n g cac Q u y BLTD trong thdi gian qua, Luat H o trp D N N V V (Dieu 9) da quy dinh cu the ve Q u y BLTD, Theo dd, Q u y BLTD DNNVV t h y c hien chiic n a n g cap BLTD cho DNNVV; viec BLTD cho D N N W d v a tren tai san bao d a m hoac p h u o n g an san xuat, kinh d o a n h kha thi hoac xep h a n g tin n h i e m o i a D N N W ; Q u y BLTD DNNVV phai t h u c h i | n diing, d a y dii nghia vu bao lanh da cam ket;
k h d n g d u g c tit chdi bao lanh cho D N N W dii dieu kien d u p c bao lanh.
T h u c hien khoan 3 Dieu 8, Dieu 9 Luat H d trg DNNVV, Chinh phii da b a n h a n h N g h i d i n h so 34/2018/ND-CP ngay 08/3/2018 ve viec thanh lap, to chiic va hogt ddng a i a Quy BLTD cho D N N W , Sau khi cd van b a n h u d n g dan thi hanh, mdt sd Quy BLTD dia p h u o n g (nhu tgi Vinh Phiic, N m h Thuan, Thanh Hda, Bac Ninh, Dong Thap, Tien Giang,,.) dugc thanh Igp tnrdc dd da td chiic kien toan, co cau lai hoac d u p c thanh lap mdi va dat nhirng ket qua nhat dinh. Vi du, den 31/12/2019, Quy dau tir phat trien va BLTD Vinh Phiic cd hoat dpng BLTD la 26,42 ty dong, Quy BLTD Tien Giang thuc hien bao lanh cho 07 D N N W vdi doanh s d b a o lanh 25,6 ty dong... Tuy nhien, mdt so dia p h u o n g chua thanh lap dugc quy BLTD dia p h u o n g , hoac giai the quy, hoac d i m g hogt ddng bao lanh do dieu kien ngan sach khd khan va cac to chiic tin dung, D N khdng tham gia gdp von dieu le.
Ho trtf Utfm tao doanh nghiep, cc* sd ky thuat ho trtf doanh nghiep nh6 va vira
Tren co sd quy d m h N h a n u d c khuyen khich thanh lap v u d n u o m DN tai Nghi dinh sd 56/2009/ND-CP, hoat d g n g u o m tgo D N da dat d u o c mpt so ket qua b u d c dau dang khich le ve sd lugng DN dupc u o m tgo, Tuy nhien, thuc tien con niiieu van de can giai quyet tir phia co die, chinh sach o i a N h a n u d c cung n h u tii' each thiic hogt ddng o i a cac v u d n u o m de tgo ra siic hiit doi vdi cac DN.
Rlit kinh nghidm iii thuc tien bien khai xay d u n g va van h a n h cac v u d n u o m DN, co sd u o m tao tiidi gian q u a va n h u cau sit d u n g chung cac co so ky thuat cho D N N W thue chung, Dieu 12 Lugt Hd tig D N N W da quy dinh: Nha n u d c cd chinh sach hd tia D N N W nghien ciiu, dd'i mdi cdng nghe, tiep nhan, cai tien, h o a n thipn, lam chii cdng ngh? tiidng qua cac hogt d p n g nghien ciiu, dao tao, tir van, tim kiem, giai ma, chuyen giao cong nghp; xac lap, khai tiiac, q u a n ly, bao v l va phdt b i e n tai san hrf tiie a i a DN, Bp, co q u a n n g a n g bg, Uy ban nhSn dan cap tinh thanh lap hoac
tham gia thanh lap tiieo hinh thiic ddi tac cdng tir co sd u o m tao, co sd ky tiiuat, khu iam viec chung. DN va td chiic dau tu, kinh doanh khac dupc thanh lap co sd u o m tgo, CO sd ky thugt, k h u Iam viec chung.
Sau khi Luat Hd trg D N N W cd hieu luc, viec trien khai chinh sach Hd trp u o m tao DN, co sd ky tiiuat hd trp D N N W da d u p c tiien khai d cap tiimg i^ong va cap dia p h u a n g . Cac c h u a n g trinh, de an phat ti-ien khoa hpc cdng ngh? d u p c Bp Khoa hpc va Cdng nghe tiep tuc thvtc hifn, trong d o long ghep cac hogt dpng hd trg D N N W nghien ciiu, ddi m d i cdng nghe, tiep nhan, cai tien, hoan thien, lam chii cdng nghe,
Trong n a m 2018-2019, C h u o n g trinh phat tii&i thi t r u d n g khoa hpc va cdng n g h | den n a m 2020 da hd trp 9 D N N W vdi tdng kinh phi cac nhiem vu khoang 70 ty d d n g (trong dd NSNN gan 24 ty dong); Quy Ddi mdi cdng nghe quoc gia da xet chpn 184 nhipm vu, tiong d o da phe duyet, ky h p p dong tai trg cho 27 nhiem vu vdi k m h phi hd trg tii NSNN la 268 ty dong; da phe d u y e t d a n h m u c nhiem vu va d a n g tieh h a n h t h a m dinh kinh phi cho 52 nhiem vu vdi kinh phi hd trg tir NSNN khoang 686 ty dong. C h u o n g trinh " N a n g cao nang Iuc khai thac cong nghe cho to chiic t n m g gian de hd tip D N co khi nhd va vira Iam chii cdng nghp gia cdng be mat phiic t a p " da hd tro d u p c 12 D N N W ; C h u o n g trinh "Phat trien tai san tri tue" hd trp bao hp, quan tri tai san tri hie cho 120 D N N W , h o tirp 51 D N ling d y n g t h u a n g mai hda sang che,
N h a m hd trp gidi thieu ket qua nghien ciiu, ket noi cung cau cdng nghe, chuyen giao, doi mdi cdng ngh^, Bp Khoa hpc va Cdng nghe d i n g to chiic cac sir kien n h u Chg Thiet bi - Cdng ngh^ va Ngay hpi khdi nghiep ddi mdi sang tao... D u thao Thdng t u h u d n g d a n vi^c thanh lap co sd u o m tgo, co sd ky thuat, k h u Iam vi^c chung theo quy dinh ciia Lugt Hd trp D N N W d a n g dupc Bp Khoa hpc va Cdng nghe xay dung, Nhieu dia p h u o n g da tich cue diii ddng, phdi h g p vdi cac d o n v\
cd lien q u a n de hinh thanh khong gian lam vi^c c h u n g cho DNKN,
ChUtfng trinh ho trtf doi mdi sang tao
Luat Hd tirp D N N W quy d m h cac bp, n g a n h , dia p h u a n g , hi^p hdi xay d u n g d i u o n g trinh hd tirp D N N W trong nganh, lmh vuc, dia ban quan ly. Trong 2 n a m qua, cac bp, nganh, dia p h u o n g da cd nhieu hoat dpng b u d c d a u de trien khai hoat dpng hd trp khdi nghiep sang tao tiieo quy dinh cua Lugt Hd trg D N N W .
Bp Ke hoach va D a u t u da chu n i , phoi h o p voi cac Bp nganh, dia p h u o n g va cgng dong DN to chiic
- T A I CHlNH^^ Thdng S/20mii l ! S $
Chuong trinh ket noi mgng ludi doi mdi sang tgo Viet Nam 2018 n h a m quy t u va h u y d p n g toi da n g u o n luc chat xam, dgc bi^t la tir cac chuyen gia n g u d i Viet d u g c dao tao bai ban va dang lam viec tai cac quoc gia cd hen tang khoa hgc cdng nghe p h a t trien,
Bd Thdng tin va Truyen thong da i h a m m u u trinh Thu tudng b a n h a n h Chi thi a i a Thii t u d n g Chinh p h u ve thuc day phat trien D N cdng n g h | Viet N a m n h a m giai quyet mpt so ngi d u n g n h u : xac dinh 04 n h o m DN cdng nghe, phat trien D N cong n g h | Viet Nam; phat trieri san pham Made in Vietnam, tien tdi hinh thanh Quy phat trien D N cdng n g h e Viet N a m .
Bp Khoa hpc va Cdng n g h e tiep tuc trien khai cac hoat dpng trong khudn kho De an "Hd trp he sinh thai khdi nghiep dd'i mdi sang tao quoc gia den n a m 2025"
{De an 844). Bg Giao due va Dao tao tiep tuc trien khai thuc hien De an hd trg hpc sinh, sinh vien khdi nghiep den nam 2015 (De an 1665).
T n m g u o n g Doan TNCS H o Chi Minh d i n g tich c\fc trien khai cac hoat ddng hd trg khdi nghiep sang tgo nhu: to chiic Dien d a n thanh nien khdi nghiep 2018;
to chuc Ngay hgi gpi vdn quoc gia (Startup Funding Camp 2018, thu hut h o n 100 h o so, h o n 10.000 tiianh nien quan tam), to chiic Cupc thi Y t u d n g khoi nghipp sang tao (Startijp Hunt 2019),,.
Tiep can von tin dung chinh sach va tin dung tir cac chiftfng trinh, du an vi mo
Hien nay, ngoai vay v d n tin d u n g t h u a n g mai tmyen thong, cac D N ndi chung va DNKN ndi rieng con dirge vay von tin d u n g chinh sach theo cac chucmg trinh ddi vdi mgt sd nganh linh vuc:
- Ddi vdi linh vuc n o n g nghipp, n d n g thdn: Cac DN hogt ddng tiong Iinh vuc n d n g nghiep, n d n g thdn d u p c vay vdn tin d y n g phyc v u phat trien n d n g nghiep n d n g thon theo Nghi dinh sd 41/2010/ND-CP ngay 12/4/2010 aia Chinh phu; chinh sach cho vay hd tio n h a m giam ton that tiong ndng nghiep; Cac N H T M n h a n u d c thuc hi|n cho vay doi vdi chan nudi va thiiy san theo chi dgo cua Thil tudng Chinh phii tai Van b a n so 1149/TTg- KTN ngay 08/8/2012; c h u a n g trinh cho vay tiii diem doi vdi cac md hinh lien ket tiong chudi san xuat va tieu thu san pha'm n d n g nghiep, cac m o hinh iing d u n g khoa hgc va cdng nghe cao trong san xuat n o n g nghipp theo Quyet dinh so 1050/QD-NHNN ngay 28/5/2014 aia NHNN...
- Doi vdi lmh vuc bat d p n g san- De thao gd khd khan cho thi trudng bat d d n g san, N H N N t h u c hien thi diem trien khai san phain tin d u n g lien ket 4 nha tiong Hnh vuc vat li?u xay d y n g , xay d u n g ca ban.
- N g u o n von tin d u n g d a u tu, tin d u n g xuat khau ciia Nha n u d c theo Nghi dinh so 75/2011/ND-CP a i a Chinh phii: Ddi t u p n g thy h u d n g cac chlnh sach vay vdn tin d y n g d'au t u va tin d u n g xuat khau la cac DN, td chiic kinh te cd d u an thugc Danh m y c vay von tin d y n g dau t u hoac cd h g p d o n g xuat khau hoac nhgp khau h a n g hda thupc D a n h m u c vay v o n tin d y n g xuat khau.
Ben canh dd, tai chinh vi md da khang dinh sy c'an thiet va vai tio tiong viec cho vay ddi vdi ca nhan, hp gia dinh ngheo, cac DN sieu nhd va nho de san xuat, kinh doanh,
Huy dong von qua thj trUdng trai phieu, thj trirdng chu^g khoan
Chinh sach h u y d d n g v o n q u a p h a t h a n h trai phieii DN, huy d d n g von qua thi trudng chiing khoan da timg b u d c d u g c h o a n thifn n h a m nang cao tinh t y chu, t u chiu trach nhiem cua DN khi huy dgng von tren thi t r u d n g tiai phieu, thi trucmg chiing khoan.
Tuy nhien, DNKN van khd tiep can va gia n h a p cac thi t r u d n g nay. Nguyen n h a n cac D N K N gap phai n h i e u khd k h a n xuat phat tir dgc diem npi tai cnia chinh n h d m D N nay,
Tdm lai, hogt ddng huy dgng vdn cho DNKN da cd n h u n g budc tien quan tigng ke tir khi Luat Hd tip D N N W d u g c ban hanh. Tuy nhien, ben canh nhiing ket qua dat dugc, cac ndi dung ve h u y ddng von cho D N K N theo quy dinh o i a Lugt Hd trg D N N W d i n g da bgc lp mpt sd tdn tai, khd khan, doi hdi cac co quan xay d u n g va thyc thi chinh sach can chii dpng d u a ra cac giai phap, de xuat de vi^c to diiic thuc hifn dat hieu qua cao h o n trong thdi gian tdi. ™
Tai lieu tham khio:
t. Qudc hoi (2013), Luat Kboa hoc va cdng nghe;
2. Qudc hgi (2017), Luat Ho trg doanb ngbiep nbd va vita;
3. Chinh pbii (2018), Ngbi dinb so 38/2Q}8m-CP guy dinh cbi tiet ve Sou tiS cbo doanh nghiep nbo va vita sdng tao d Viet Nam,
4. Chfnb pbO (2018), Ngbi dinb so 39/20WNB-CP ve budng dan thi banh mot so dieu cua Ludt Ho trd doanb ngbiep nhd vd viia;
5. Chinb pbu (2019), Ngbi dmh so 39mi8/NB-CP 4 to cbiic vd hoat dgng cua Quy Phdt trien doanb nghiep nbo vd vita;
6. 86 Ke hogch vd Ddu tu (2020), Bao cdo 2 nam thi banh Ludt Ho trg doanb ngbiep nho vo Vila.
Thdng tin tac gia
ThS. Hoang Thi Hang - Chu tjch Quy Phdt tnen doanh nghiip nho va vifa, Bp Kehoach va Bau tif
Email: [email protected]
