Download pdf - Một số giải pháp nâng cao chất lượng hoạt động huy động vốn bằng tiền gửi của chi nhánh Ngân hàng Nông nghiệp và Phát triển Nông thôn huyện

8/2/2019 Mt s gii php nng cao cht lng hot ng huy ng vn bng tin gi ca chi nhnh Ngn hng Nng nghi

1/30

La Tb Bam & >270>0>>74

IA F W?

Mjq ;;(>;(>: Sat Mkf `bmb tb` t| tbmb tbmb sam tb ;7> `k T `b`

Tbmj fa tb jaa ZTH) mb dw l` `bwqm lam {wkm t|mj t|m `bmj mj ba

mb~ eamb t tb jaa `k m` tk- Mm eamb t Sat Mkf mj t|` mbaw ` ba s tb`btb` fa- mj ska t| i l ~bm aw bk s la t|m l fq eamb t) b tbmj mjm bmj

mjq `mj t| mm {wkm t|mj bm t|hmj `mj `w` a fa s ~bt t|am eamb t t m`-

Sa rw tb ba mb~ eamb t thm `w) qw `w k dmj bk s bhm tbam `` d`b s Ta

`bmb&Mjm bmj i tt qw- I ft mjba~ s ` p) `bmb qw) if tam `bh bw bt ``

bht mj `k mjm bmj) mjba~ s bwq mj tam ja iwm ` `b t|mj ` lat- @`

MBTF ebmj mjmj mmj `kh `bt imj bht mj bwq mj tam ja f lh `b`

mmj i t|wmj jakm tm dmj) ma `wmj mj mjwm sm `bh mm eamb t- Twq mbam) sa` qfmb bwq mj sm ` tb ~ mj ` mbw `w im s sm `bh `mj `w` ~bt t|am

eamb t i ft tb`b tb` ebmj mb a sa `` MBTF- Sm mq a ba ~ba ` ``

bmb tb` bwq mj sm ~bhmj ~b s iamb bht-

Mbm tb` ` tf {wkm t|mj `k bht mj bwq mj tam ja `k b tbmj mjm

bmj) pkw {w t|mb eam t~ ta Mjm bmj mmj mjba~ s ^bt t|am mmj tbm `ba mbmb

bwqm Bw I`&Tbkmb Bk "MBMh # ^TMT Bw I`!) gf `bm ta? Ft p jaa

~b~ mmj `kh `bt imj bht mj bwq mj sm lmj tam ja `k `ba mbmb Mjm bmjMmj mjba~ s ^bt t|am Mmj tbm bwqm Bw I` tmb Tbkmb Bk if ta mjbam

`w-

Mjha ~bm f w) et iwm s dkmb f` ta iaw tbkf ebh) la sat ` l ``

tbmb 0 `bmj?

@bmj A? Mbmj i iwm ` lm s bht mj bwq mj sm `k MBTF-

@bmj AA? Tb` t|mj bht mj bwq mj sm lmj tam ja ta `ba mbmb MBMh#^TMT

Bw I`

@bmj AAA? Jaa ~b~ mbf mmj `kh `bt imj bht mj bwq mj sm lmj tam ja ta

`ba mbmb MBMh#^TMT Bw I`

;

Gfkai?iwkmskm24Njfkai-`hf dhzmihkd iwm sm tka iwkmskm-ch|wfsa-`hf
mailto:[email protected]:[email protected]://luanvan.forumvi.com/mailto:[email protected]://luanvan.forumvi.com/


2/30

La Tb Bam & >270>0>>74

@BMJ A?

MBMJ I IWM @ LM S BHT MJ BWQ MJ SM @K

MBTF

;-;- Mjwm sm bht mj `k MBTF?;-;-;- Sm k mjm bmj "Lkme k~atki!

Sm `k mjm bmj i ebhm sm tbw` p bw `k Mjm bmj "mm `m ja i sm `b p

bw!) m lkh jf sm t ` s sm `ha mb t `-

;-;-;-;- Sm t ` jf?

k- Sm aw i "@bk|tg| `k~atki!?

I ebhm sm tbw` p bw `k mjm bmj) jba t|hmj lm aw i `k mjm bmj) `

bmb tbmb mjkq t eba mjm bmj ` tbmb i~- Sm aw i ` tb dh Mb m` `~ mw

i mjm bmj tbmj fa {w` dhkmb) ` tb i sm mj j~ `k ` mj mw i

mjm bmj tbmj fa ` ~bm-

Sm aw i ` p dmj sh f` `b fwk pf ta pm) t|kmj tbat l lkm w `m tbat

`bh bht mj `k mjm bmj5 j~ sm iam dhkmb5 `bh `` tbmb ~bm eamb t skq s tb`

bam `` d`b s eb` `k mjm bmj- @` mjm bmj ebmj ` ~b~ p dmj mjwm sm

mh eb` mjha sm aw i w t sh ta pm ` mb `k mjm bmj s bm sm eamb

dhkmb-

l- [w d t|?

` bmb tbmb t bka {w i {w d t| l pwmj sm aw i s {w d t| ` lat

l ~ |a |h "Ihkm ihpp |gpg|sgp!- @` {w mq ` t|`b t ia mbwm |mj bmj mf

`k mjm bmj- Sa` bmb tbmb `` {w mq mbf tmj sm t ` `k Mjm bmj) mj tba

f lh km thm t|hmj eamb dhkmb-

;-;-;-


3/30

La Tb Bam & >270>0>>74

Sm `k mjm bmj tbmj `baf t t|mj mb "ebmj {w ;>'! t|hmj tmj mjwm sm

f mjm bmj mf ja mbmj ia i mjwm sm ` mjbk ` lat s m ~bm mb tb` i`

ta `bmb `k mjm bmj) dh sq m {wqt mb {wq f bht mj `k mjm bmj) i ` p

mjm bmj tam bmb eamb dhkmb) tbw bt mbmj mjwm sm eb` s `bh skq- M ` smb `a f `bmj p jaf ja t| `k mbmj ta pm ` `k mjm bmj) p jaf ja

t| ` tb q mjm bmj m tmb t|mj ft eb mmj `ba t| s ~b pm-

;-;-


4/30

La Tb Bam & >270>0>>74

`- Ta ebhm tam ja tb t|mj tam t "FFDKp&Fhmgq fk|egt dg~hpat k``hwmt!

Tam ja iha mq ` dmj w t sh tb t|mj tam t s `bh ~b~ mbmj mja

`b ta ebhm ` ~b~ e ~bt p`- Tam ja ta ebhm mq ebmj ~ba d t| lt lw`- M

bm `` {w tmj b ta tb t|mj tam t `b i ` lh baf la `bmb {wqm-d- Ta ebhm KTP "Kwthfkta t|kmpcg| pqptgf k``hwmt!?

Iha ta ebhm mq `mj `bh ~b~ `b ta ebhm ` ~b~ ~bt bmb p` mbmj ` tbf

ft ` tmb ` lat i eba p d t|m ta ebhm mq st {w ft f` mbt mb tb ~bm

tam st {w p t mj `bwqm pkmj ft ta ebhm tat eaf ` bmj ia `kh bm-

Mj` ia) eba p d t|m ta ebhm KTP rwmj tb~ bm f` ta tbaw tb tam t|hmj ta

ebhm tat eaf p ` `bwqm mj` t| ia ta ebhm KTP ~b` ba p d ta tbaw-

Sat Mkf) ta ebhm p` tbmj ` ja i ta ebhm tam ja tbkmb thm) lkh jf taebhm tbkmb thm dmj `bh `` dhkmb mjba~ s `` ta ebhm tbkmb thm `bh ` mbm-

Tam ja ebmj e bm i ft mjwm sm {wkm t|mj `k mjm bmj- Twq mbam dh mja

ja tam ` tb |t |k lt ` i` mh mm mjwm sm mq tbmj rwqm lam mj) s sq

mjm bmj `b qw dmj m `bh skq mjm bm-

;-;-


5/30

La Tb Bam & >270>0>>74

& Tam ja ` e bm da bmb tb` ~bt bmb e ~baw mjm bmj- T|hmj bmb tb`

mq mjm bmj `b mj ~bt bmb ~baw m bwq mj sm mbf f` `b

mb) s d w t `bh d m

;-;-


6/30

La Tb Bam & >270>0>>74

skq mbf l pwmj tbf sm `bh f` `b rq dmj mb - F` `bh skq ta k lmj

p d tam ja tat eaf-

I dh ~ba t`b |amj tam ja tat eaf |k f ebmj r~ sh bka dmj tam ja t|m "tam

ja ebmj e bm s tam ja ` e bm! f` d tmb `bt `k `bmj |t jamj mbkw i s qi tam tat eaf `k `` tmj i~ dm `) i ta pm t`b iq `k {w` jak) ` rgf i mjwm

sm ma i` `k t m`) `bh mm `m ` `bmb p`b w tam lh s- S d? `` MBTZ

tbmj lw` `` MBTF eba bwq mj dmj tam ja mq tb ~ba fwk lh baf `bh `bmj5

Bh` `` `mj tq ta `bmb ebmj ` bwq mj dmj tam ja mq-

Tam ja e bm s tam ja tat eaf e bm i mjwm sm {wkm t|mj mbt `k MBTF-

q i mjwm sm tmj a m mb s mjm bmj mf ` mbmj e iwm `bwqm `k

sm) s sq mjm bmj ` tb dmj `bh skq mjm bm) t|wmj bm bh` da bm w `-Sm tam ja i mjwm sm `baf t t|mj `kh mbt t|hmj tmj p mjwm sm) i mjwm sm

`b qw mjm bmj eamb dhkmb- M ~bm mb lm `bt `k mjm bmj i a skq `bh

skq- @bmb s sq) mja tk ja MBTF i mjm bmj tam ja-

;-;-0- Sm a skq?

;-;-0-;- Skq t MBTZ?

@` MBTF skq tam ta MBTZ t|hmj t|mj b~ tbaw bt d t| bkq {w tbaw tam ft-

MBTZ `~ tm dmj `bh `` MBTF `b qw da bka bmb tb`) i?& @bat ebw bkq ta `bat ebw `` `bmj t ` ja-

& @bh skq tb b~ bkq mj t|`-

;-;-0-


7/30

La Tb Bam & >270>0>>74

@` MBTF ` tb skq t tb t|mj ta `bmb t|hmj m` tbmj {wk ~bt bmb `` `bmj

t ` ja mb?

& @bmj `b tam ja ` eb mmj `bwqm mbmj

& T|a ~baw mjm bmj;-;-0-7- Skq m` mjha?

@` MBTF ` tb tf eaf mjwm sm t tb t|mj m` mjha tbmj {wk sa` ~bt

bmb ~baw m skq tam m` mjha-

;-;-4- @` mjwm sm eb`?

Sm ta t|) sm w t ~bt t|am) sm q tb` w t `bh skq tbgh `` `bmj t|mb)

d m rq dmj

Sm bmb tbmb t|hmj {w t|mb bht mj `k mjm bmj) s d mb t|hmj mjba~ s t|wmjjakm `k mjm bmj bkq `` mjba~ s mb tbw) mb tbkmb thm b-

;-


8/30

La Tb Bam & >270>0>>74

a sa `` tbmb ~bm eamb t) tbw bt ` eb`b bmj- Sm ja~ ebmj mb wq tm `k

mjm bmj t|m tb t|mj-

;-


9/30

La Tb Bam & >270>0>>74

Fa bht mj eamb dhkmb `k mjm bmj w ~ba `bw p aw `bmb `bt `b `k iwt

~b~- @` bht mj `k mjm bmj tbmj fa `bw p aw `bmb `k iwt `` t `b` tm

dmj s b tbmj `` sm lm ~b~ iwt eb` `k Mb m`- Ft eb`) Sat Mkf bam

mkq `` MBTF ` t `b` tbgh f bmb tmj `mj tq) dh sq `` `ba mbmb mjm bmjt|hmj bht mj `k fmb `m ~ba twm tb tbgh {wq mb f mjm bmj f lkm bmb t|hmj

tmj tba e s ia pwt) t i d t|) bm f` `bh skq T|hmj p |mj lw` s iwt ~b~)

`` qw t `k mjba~ s bwq mj sm tbkq a if mb bmj m {wq f s `bt imj

`k bht mj bwq mj sm-

;-0-;-0- aw eam s fa t|mj `mb t|kmb?

P `mb t|kmb `k `` mjm bmj eb` t|m k lm p mb bmj t|` ta~ m bht mj

`k mjm bmj- T|hmj {w t|mb `mb t|kmb sa `` mjm bmj eb`) mjm bmj lw` ~ba`a tam s k dmj bk `` iha bmb d`b s) tb` bam f` ia pwt b~ i) mjbam `w e

tb t|mj s if tt bht mj fk|egtamj- Mb sq) `mb t|kmb sk i tb`b tb` sk i

ft mbm t tb` q p ~bt t|am `bt imj `` bht mj mjm bmj t|hmj ` bht

mj bwq mj sm-

;-0-;-4- Qw t s sm bk&r ba) tf i eb`b bmj?

`` m` ~bt t|am) `` bht mj tbkmb thm {wk mjm bmj ` k `bwmj- Mbmj

`` m` ef ~bt t|am) mbw `w dmj tam ft tbmj im bm- `` ebhm f` tam tateaf ` bka qw t {wkm t|mj t` mj sh i tbw mb~ s tf i `k mja ja tam- Tbw

mb~ mb bmj m mjwm sm taf mmj f mjm bmj ` tb bwq mj t|hmj tmj ika-

@m qw t tf i mb bmj m p lam mj |k sh `k mjwm tam- Tf i tam tmj sh

tmj ika `k eb`b bmj ` t` dmj if m mb imj tam ja sh) |t |k- Mj` ia) ih

mja `k eb`b bmj s mj tam t|hmj tmj ika p l ft ja i eb ebm im t|hmj sa`

bwq mj sm `k mjm bmj-

;-0-


10/30

La Tb Bam & >270>0>>74

`bh fmb mbmj bmb tb` bwq mj sm ~b b~ sa aw eam eamb t r ba) tf i dm

` t|m k lm `k mjm bmj) mj tba ~b b~ sa qw `w p dmj `mj mb {wm i `

baw {w mjwm sm `k fmb- Bmb tb` bwq mj sm k dmj ` tb if `bh imj sm

bwq mj tmj im s `ba ~b bwq mj ` rw bmj jaf rwmj-;-0-


11/30

La Tb Bam & >270>0>>74

T|mb mjba~ s `k `m l mjm bmj i aw eam tb` bam tt `` mjba~ s mjm

bmj- @m l mjm bmj ~ba ` `bwqm fm tt ` tb {wm i tt mjwm sm) tb` bam

tt `mj sa` p dmj sm j~ ~bm mmj `kh `bt imj bwq mj sm-

;-0-


12/30

La Tb Bam & >270>0>>74

@BMJ AA? TB@ T\MJ BHT MJ BWQ MJ SM LMJ TAM

JA TA @BA MBMB MBMh#^TMT BW I@&TBKMB BK-


13/30

La Tb Bam & >270>0>>74

Bh i mjm bmj tbmj fa ` ` p st `bt e tbwt s {wq f bht mj im mbt

t|hmj b tbmj `` t `b` tm dmj t|m k lm tmb Tbkmb Bk sa tmj p ;->37 `m l)

37 `ba mbmb) ~bmj jakh d`b) af jakh d`b) {wkm b sa bm 2>>->>> eb`b bmj) t|hmj

` 07>->>> eb`b bmj ja tam) >> eb`b bmj skq sm s bm >> eb`bbmj p dmj k pm ~bf d`b s- Tmb m 0>(7(;;) tmj mjwm sm bwq mj `k

mjm bmj t :-17> t mj) tmj 30> t mj ph sa w mf) tmj d m t 1-;>> t

mj) tmj 07> t mj ph sa w mf5 `baf 4>' tb ~bm `k mjm bmj tbmj fa)

t `b` tm dmj t|m k lm- "Mjwm? ~bmj bmb `bmb MBMh#^TMT Bw I`!

MBMh#^TMT `ba mbmb Bw I`&Tbkmb Bk ` `bmb tb` tbmb i~ sh mjq


14/30

La Tb Bam & >270>0>>74


15/30

La Tb Bam & >270>0>>74

0(;;!) tmj p tam ja bwq mj `k mjm bmj tmj im f`

1< t mj) `baf 73' tmj p sm bwq mj) tmj ;


16/30

La Tb Bam & >270>0>>74

m s? t mj

Mf >2 >1 ;>

Tmj p tam ja ;30)11 `mj i mf mjm

bmj q fmb sa` h th `bh `m l mbm sam `k mjm bmj) tbmj rwqm `bh `m l

mbm sam tbkf jak `` t t~ bwm mmj `kh t|mb mjba~ s s e mmj mjha mj)

tam b`) `mj mjb `m tbat- q i mbmj ` p ja~ `bh imj tam ja sh mjm bmj

tmj im) f` d ia pwt bwq mj `k mjm bmj `b lmj bh` tb~ bm `` `ba mbmb

MBTF eb` t|m k lm-

Mf ;>) imj tam ja sh mjm bmj sm tmj im ;;)>:') twq f` tmj tb~ bm

ph sa mf >1- Rw tb tmj w `k imj tam ja pkw fa mf i dw baw eb {wkm s

tmb bmb bht mj `k mjm bmj- @b pkw < mf) mf ;> imj tam ja r~ r lmj

;)7 im ph sa mf >2- i aw eam tt `bh mjm bmj t|hmj sa` m mb mjwm sm

s ~ mj mbw `w skq sm kmj jak tmj `k eb`b bmj k ~bmj t|hmj mbmj mf

jm q-

Mbmj mf jm q) mjm bmj t`b `` bm t|hmj sa` `b mj rq dmj ```bmj t|mb tbw bt tam ja- @` `bmj t|mb ebwqm fa a sa eb`b bmj ja imj

tam im) `` t tmj {w `bh eb`b bmj ja tam mbm d~ i tt ` t `b` tbmj

rwqm bm- aw mq ja~ jaf lt p ~b tbw` `k `ba mbmb sh MBMh#^TMT tmb

;3

Gfkai? iwkmskm24Njfkai-`hf dhzmihkd iwm sm tka iwkmskm-ch|wfsa-`hf


17/30

La Tb Bam & >270>0>>74

Tbkmb Bk- Twq mbam) imj sm aw `bwqm `k mjm bmj tmb `bh `ba mbmb mjm bmj

Bw I` sm kmj `m `kh- P iaw ` tb ` tb bam lmj pkw?

Lmj


18/30

La Tb Bam & >270>0>>74

Ebmj e

bm3):>< 7)122 ;;):20 &>):;4 &;>)37 7):17 13):2

@ e bm ;4;)23< ;:0)

Mjwm? ~bmj mjwm sm MBMh#^TMT Bw I`

Mbm tbq) tam ja tat eaf `k mjm bmj tmj im t|hmj `` mf) twq mbam f` lam

mj ebmj mbaw- @ tb) mf >1 imj tam tat eaf f mjm bmj bwq mj ` i

;:1)4 t mj) tmj tbf 0>)34 t s lmj )31

`k mjm bmj tmj i dh mjm bmj ` mbmj l` aw `bmb ia pwt b~ i) k |kmbaw e bm tam `bh eb`b bmj ik `bm) k dmj bk `` bmb tb` t| ia- Lm `mb )

mjm bmj `m mjbam `w k |k `` bmb tb` tat eaf l` tbkmj) d tbmj et b~ ~bt

t |a ia pwt) `bf af tbmj `bh eb`b bmj iw mf s ` imj tam ja im- Mf

;> tam ja tat eaf ` tmj t bm ph sa >1 i dh t|hmj mf ;> eamb t eb ebm

mbw `w ja tat eaf `k mja dm `mj jaf- Ft eb`)tb t|mj smj dam lam ~b`

t~) ja smj im `kh `mj sa if ~bt `kh) mm ebmj t mja p dmj tam fwk smj w

`) t`b t|) q i emb bwq mj sm `mb t|kmb sa mjm bmj) dh if `bh tam jatat eaf t|hmj mf mq jaf a-

Tam ja tat eaf ` e bm sa f` ia pwt `kh iwm b~ dm a sa mbmj eb`b bmj

` mbw `w ja tat eaf- Tam ja tat eaf ebmj e bm `k mjm bmj iwm iwm f`

tb~) dh ia pwt eb tb~) bam mkq `b i 0'(mf a sa SMD s >)


19/30

La Tb Bam & >270>0>>74

>

7>)>>>

;>>)>>>

;7>)>>>

>)>>>

)>>>

M f >2 M f >1 M f ;>

Ta m j a ta t ea f

Ebmj e b m

@ e b m

Law tmb bmb tam ja tat eaf `k MBMh#^TMT Bw I` t >2 m ;>

`- Tam ja tbkmb thm?

Mbm `bwmj) imj tam ja tbkmb thm `k mjm bmj `bk mbaw) bht mj tbkmb thm

{wk tb `k mjm bmj t|m k lm `bk ` `b t|mj ~bt t|am- P imj mja dm p

dmj tb mjm bmj kmj `m tb~) `` tam `b `k sa` p dmj tb mjm bmj t|hmj bht

mj bmj mjq `bk ` ~b lam pw |mj) tf i k dmj tam ft `k dm ` t|m k

lm `m |t `kh- Bam mkq) t|m k lm thm bwqm fa `b ` 0 af |t tam t mj lmj

`q KTF- Eb`b bmj f tb `b qw i `` pamb sam) `m l t|m k lm bwqm- Dh )

imj eb`b bmj ja tam sh ta ebhm tbkmb thm i ebmj mbaw- q i mbmj mjwqm

mbm dm m imj tam ja tbkmb thm `k mjm bmj tmj a tb~-

P iaw s tam ja tbkmb thm `k mjm bmj ` tb bam ` tb t|hmj lmj da q?

;1



20/30

La Tb Bam & >270>0>>74

Lmj 4? Tam ja tbkmb thm

m s? T mj

Mf >2 >1 ;>

Tam ja tbkmb thm ;7)071 @bmb i`b twqt a ;1 i mf mb dw p ~bt t|am s tb t|mj tb t|m k lm bwqm) sa sa`

f tbf < af KTF) `b t|mj {wmj `h s `` tam `b `k p dmj tb mjm bmj

t|hmj `mj mj- @bmb tb` k sa` t| imj sh ta ebhm ` mbm `k `` t `b`) `

{wkm t|m k lm bwqm- Bam mkq) tt ` `` t|mj b`) ` {wkm `~ bwqm) lmb sam)

`` mb fq) rmj pm rwt `k bwqm w tb` bam t| imj {wk ta ebhm `bh `mj

mbm sam) `m l- q i qw t e`b tb`b fmb m sa` bwq mj tam ja tbkmb thm `k

mbm dm k ~bmj-

2 s ` tmj t|hmj mf ;>-



21/30

La Tb Bam & >270>0>>74

Twq mbam ph sa `` ebhm `bh skq t|wmj s da bm tb ebmj tmj rmj- T i

`bh skq t|wmj s da bm `k mjm bmj mjq `mj tmj s m mf >1 t f`

`kh bm ph sa `bh skq mjm bm- Mjm bmj ~ dmj sa` `bwqm bhm e bm

mjwm- q i ft `hm dkh bka ia s mjm bmj ~ba bt p` {wkm tf ta km thmtm dmj-

Lmj 7? @ `w sm bwq mj lmj tam ja tbgh e bm

m s? T mj

@b taw

Mf >2 Mf >1 Mf ;>

P dT t|mj

"'!P d

T t|mj

"'!P d

T

t|mj

"'!Sm ebmj e bm ; ;3)70 4:)> )414 ;>>Mjwm? ^bmj mjwm sm MBMh#^TMT Bw I`


22/30

La Tb Bam & >270>0>>74

aw eam eb`b bmj ja tbmj {wk mja fa jaa) eb`b bmj s mja fa jaa p `

mbm mjkq ~bm tbmj `k mjm bmj ` tmj ja t| lmj ">);'tmj p tam ja p

tbmj ja!- q i `bmj t|mb mbf t|a m a sa mbmj eb`b bmj t|wqm tbmj `k

mjm bmj) tbt `bt tbf fa {wkm b sa `` eb`b bmj t|wqm tbmj-


23/30

La Tb Bam & >270>0>>74

& @bk k dmj bk `` bmb tb` bwq mj tam ja t|wmj s da bm mm imj tam

ja t|wmj s da bm eb tb~-

& @bmb p`b eb`b bmj) `mj t` twqm t|wqm {wmj `h `` ja d`b s fa) ``

`bmj t|mb fa `k mjm bmj m mja dm `m `bk ` `b t|mj-& @m l mbm sam `bk `b m sa` bmj dm eb`b bmj m ja tam) `m

mbaw bam tmj imj ~b "s d? imj ~b `bmj t! if tmj `ba ~b bht mj `k

mjm bmj-

& @ p st `bt m mbaw bm `b) `mj mjb `m i` bw) mbaw mjba~ s `m if

tb `mj-

& Eam tb` `~ mbt s `mj mjb tbmj tam) s `` d`b s fa `k `m l mbm sam

`m `bf-& T` tmj t|mj tam ja `m tb~ mm mjm bmj sm ~ba mbm ft imj sm

aw bk ma l bmj mf) p ~b tbw` sh MBMh#^TMT tmb Tbkmb Bk s

MBMh#^TMT Sat Mkf `m |t `kh-

Mjwqm mbm?

& Mm eamb t `k bwqm `m ef ~bt t|am) t` tmj t|mj eamb t Bw I` bk

tmj rmj sa taf mmj s ia tb) `mj mjba~ bw mb `bk ~bt t|am-

& @ba mbmb MBMh#^TMT Bw I` ~ba `bw p aw bk t|` ta~ s `bt `b `k

MBMh#^TMT Tbkmb Bk

& Tf i k dmj tam ft `k dm `bmj t|m k lm-

& Bmb ikmj ~b~ i) mbmj tbkq a t|hmj {wq mb s d t| lt lw ) t i km thm

sm `k MBMM t|hmj tba jakm jm q-

@BMJ AAA? JAA ^B^ MBF MMJ @KH @BT IMJ BHT

MJ BWQ MJ SM LMJ TAM JA TA @BA MBMB

MBMh#^TMT BW I@&TBKMB BK

0-; - mb bmj eb` ~b` `` eb ebm mbf f |mj `` bht mj

bwq mj tam ja?


24/30

La Tb Bam & >270>0>>74

E bh`b `k mjm bmj t|hmj tba jakm ta i?

& Dwq t| s tmj t|mj mjwm bwq mj bam `

& [wm i `bt `b fa imj sm bwq mj s imj tm dmj) t|mb jq ~ i` s `ba

~b s jaf baw {w bht mj bwq mj sm-& Jaf ~b tbw` sm `k `ba mbmb sh MBMh#^TMT tmb Tbkmb Bk

& @a tbam ft l` mj e `bt imj d`b s mjm bmj) `a tam {wq t|mb mjba~

s jaf lt tb t` jaq t mbf mmj `kh `bt imj ~b` s s th p km tf `bh eb`b

bmj-

& Tbmb i~ tbf ft p ~bmj jakh d`b mbf f |mj mjba~ s Mjm bmj lm i)

t|kmb tb mbmj tbwm ia `k tb t|mj s tb` bam tt `` t bwq mj sm t~ t|wmj

`k mjmb ta~ t` `mj ` mjwm sm bam `-& Ta~ t` k dmj bk `` bmb tb` ja tam sa `` f` ia pwt iamb bht s b~ dm

eb`b bmj) mj tba mmj `kh tamb tbm t|`b mbaf) t` ~bhmj ~b` s `k `m l `mj

mbm sam Mjm bmj t|hmj eba jakh ta~ sa eb`b bmj) tbmj {wk eb`b bmj Mjm

bmj ` tb f |mj bht mj Fk|egtamj ta eb`b bmj fa-

0-


25/30

La Tb Bam & >270>0>>74

@b t|mj mmj `kh) la dmj t|mb mjba~ s) `` e mmj `bh `m l mbm sam

mjm bmj- Tbmj rwqm f `` ebk h th s `mj mjb fa)s d`b s fa) s mj

dmj tam b` `bh `m l mbm sam- ` lat) mmj `kh tb` t ja`) ` t|`b mbaf `k

mbm sam a sa `mj sa`- Bm mk) ebmj mjmj la dmj `` eam tb` s ~b` seb`b bmj) `ha `mj t` `bf p` eb`b bmj i `mj t` {wkm t|mj bmj w-

0-


26/30

La Tb Bam & >270>0>>74

0-0-;- Eam mjb a sa Mjm bmj Mb m`?

&T~ t|wmj rq dmj s bhm tbam tb `b ~b~ iwt s mjm bmj) ~b b~ sa mb

bmj `bam i` ~bt t|am mjmb s i t|mb tb` bam `kf et {w` t t|hmj imb s` tam

t mjm bmj& |k `` `bmb p`b tam t lf pt f` taw mjm `bm pwq jaf eamb t) eaf

pht if ~bt f` b~ i) m mb tb t|mj tam t s f lh km thm b tbmj mjm

bmj t|` mbmj lam mj `k tmb bmb ta `bmb {w` t-

& Ta~ t` a fa) mmj `kh baw i`) baw {w bht mj tbkmb t|k jaf pt mjm

bmj

& Th aw eam tbwm ia `bh p |k a tb t|mj lh baf tm dmj ` tb jaf

tbaw ~bmj mjk s ~bm tm |a |h tm dmj5 `m ` `` `bmb p`b tb`b b~ tb t|mj`bmj ebhm m` tk ~bt t|am fmb s pa mj bm mk mbf if jaf p` ~ im Mjm

bmj t|hmj sa` `~ sm bht mj `bh dhkmb mjba~-

0-0-


27/30

La Tb Bam & >270>0>>74

0-0-0- Eam mjb a sa `bmb {wqm k ~bmj?

& @bmb {wqm k ~bmj ~ba t`b `` b~ t` ja~ Mjm bmj) tf |k mbmj d

m mbf ~bt t|am k ~bmj Mjm bmj w t sm th aw eam tbwm ia `bh mbw

`w skq sm `k eb`b bmj s bht mj eamb dhkmb `k mjm bmj) tb` q ta `bmbmjm bmj k ~bmj ~bt t|am-

& Th fa t|mj tbwm ia `bh `` tbmb ~bm eamb t ~bt t|am tbmj {wk `` `bmb

p`b s ebwm eb iwt ~b~ tt s tbmj tbhmj bm s p ~bt t|am `k mjm bmj jm

iam sa p tm ta s ~bt t|am `k mm eamb t-

& @b t|mj w tam ~bt t|am `` rmj mjb tb `mj) `` rmj pm rwt- Et b~

`mj mjm bmj ` `` d m baw {w bm ~bt t|am eamb t bwqm) mj tba q fmb

ska t| `k mjm bmj-


28/30

La Tb Bam & >270>0>>74

ET IW M

Mjba~ s bwq mj sm i mjba~ s ` lm s `b `bt `` MBTF ` tb tb` bam

tt `b` mmj i emb dm sm {wkm t|mj mbt t|hmj mm eamb t- [wq f) `bt imj bht

mj bwq mj sm ma `bwmj s bht mj bwq mj tam ja ma |amj mb bmj t|` ta~m p tm ta s ~bt t|am `k fa mjm bmj s ta p `wmj mj sm `k mm eamb t-

Sat Mkf bam mkq) mbw `w sm ~b` s {w t|mb w t ~bt t|am eamb t i |t im)

t|hmj eba tb t|mj `bmj ebhm `bk ~bt t|am- S sq) bht mj bwq mj sm `mj `m

` `b t|mj) f t|hmj bht mj bwq mj tam ja mj ska t| {wkm t|mj bmj w-

T|hmj {w t|mb eam t~ ta `ba mbmb MBMh#^TMT Bw I`) gf tf baw s `mj

t` bwq mj tam ja `mj sa p tbkf ebh `` ta iaw iam {wkm) gf bhm tbmb ta

mq- Pkw {w t|mb eam t~) ` tf baw tb` t bht mj mq `k mjm bmj) gf |t |k` ft p aw mb pkw?

Ft i? Tf {wkm t|mj `k mjwm sm bwq mj tam ja) ` lat sa `` `ba mbmb

mmj tbm&ma f `` d`b s mjm bmj mb tbw ta `bmb) lh imb ~bt t|am

`bf) d`b s tbkmb thm {w` t) `` d`b s bwq mj s e ~baw jm mb ebmj

~bt t|am) phmj bht mj tm dmj ia eb pa ma t|hmj `mj `w` bam a bk mmj

tbm jm q-

Tb bka? Tb` t|mj bwq mj tam ja `k MBMh#^TMT Bw I`) ft bwqm kmj`m ef ~bt t|am) mjmb mjb `b qw tbw` `` imb s` mmj&mj mjba~) `mj

mjba~ ~bt t|am |t `bf- T mbm tb` ` mbmj tbmb {w) m i` `k b

tbmj MBTF t|m k lm mmj tbm) mbmj bm `b) qw ef s lt `~ `k mbmj

mjm bmj ~b` s `bh mmj) if) mj mjba~ `k mmj tbm-

Tb lk? Tf |k ` ft p jaa ~b~) k |k ft p eam `k lm tbm jaa

{wqt mbmj tm mj `k MBMh#^TMT Bw I` ma |amj s `k `` MBTF ma

`bwmj-

Pkw tba jakm eam t~) gf ` ` mbmj eam tb` tb` t s `mj bw `b- Gf ` aw

eam ` tb tbq ` p i tbwqt ` b` t|hmj t|mj ` ~ dmj sh tb` tam mb

tb mh) ph pmb) baw e `mj bm s b tbmj i tbwqt bht mj mjm bmj ` b`

t|hmj t|mj sa `` mjba~ s t|m tb` t `k MBTF mjq mkq- Mbmj eam tb` i


29/30

La Tb Bam & >270>0>>74

tbwqt ` b` ebmj `m f b) `mj mb` mk f t| mm k dmj) ~bhmj ~b bm-

i ` p gf ` tb bhm tbmb ` la lh `h mq-


30/30

La Tb Bam & >270>0>>74

DKMB F@ TA IAW TBKF EBH

;- ^gtg| P-\hpg? @hffg| aki Lkme Fkmkjgfgmt

1-

4- JP-TP-Mjwqm Sm Tam? Jah t|mb Ta `bmb&Tam t&Mjm bmj-MRL Tbmj

e)>1-

7- Tba lh Mjm bmj

3- Tba lh eamb t Sat Mkf

:- T~ `b tb t|mj ta `bmb) tam t2- T|kmj zgl?btt~?((zzz-kj|alkme-`hf-sm

1- Lh `h tmj et et {w bht mj `k `ba mbmb MBMh#^TMT Bw I` ``

mf >2) >1) ;> s {w A mf ;;-
http://www.agribank.com.vn/http://www.agribank.com.vn/http://www.agribank.com.vn/