thực trạng và giải pháp hạn chế rủi ro tín dụng tại ngân hàng nông nghiệp và phát triển nông thôn chi nhánh huyện phù cát tỉnh bình định

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SI;4j78f!d8=!>?<š3Q9<<=F=?3R?93SG
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?;"/NEhST0
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H@H93kL19M/E?;"/NEhS
T0
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M/!E?;"/NEhST0
•7u!:!7vF n,8t"S!@6
4!E!!54!n464!T!5E!LE:
19M/!E?;"/NE8w!P"<!E!!EPa4:
1Z[1\]1^_` 8
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<?IG",;0
B
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&'#1B
bb3Q9<Mc9deEHfF9Me:X9YZ9<
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8K!<?H?;=D?6=?689LBE!6?!@6<T!Fœ0
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!9UBE!FœkH97aU6Q8T8CU6Q
8Tj99?IA66PSUFœk9<L!9UFs
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1.1.1. Sự ra đời và phát triển tín dụng
1.1.1.1. Cơ sở ra đời của tín dụng
 ,:!5<698aufaF u?Q"!@6FsA?:=
<"?Fu?Q<!vFsH68U!@63k0…O=7wufa4F u?Q"
!C8aFsA?=<"?Fu?Q<!vFsSF ,:9Eufa•
1Z[1\]1^_` 9
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!@6!4="!qu?I,H?97aq7U4H9<n!8q
7aq7UBE!!q?I,Q,9w!?I,B58E,>8@
!9?!i?Go?!@6!?a!FG48w!P"Bw,APC!GH@H9
PQUu;H60H98=?B"I;8rmF H68U!@63k
8oD?;C7:??aL!@6ufa4 !""!8=?9?!i?
GL7U!@6!?a!FG0
1.1.1.2. Nguyên nhân thúc đẩy sự phát triển của tín dụng
H9=BC9E4!E!96",7?GCF
u?QB96,!q7aFGGQ8T493!QUkH9
9L8aFu?QB9677ž96",!q<n!SC?G!q
<n!Sg6G0?;48G96",!q3UkQ,S
"!g6G="U6˜vD?75mvF9u3
",!q3Uk!690>Hq!8a9Pa=BCSL7a
U8o7Q8TFŸ!q"K7aq7!E!96",!p
!E:!qGL7U!6FœkH9BA96",4!E
:BE!<L!q?!i?P•F?GL7U4?;:<9!?BR
Fu?Q3Uks7ž,i!p=BC
B5G6?0-?EHSEFu?Q<7aD?EHS<k!H!vFs
,:!5K,E!H99Pa"GBC4SI;B796
",;g6GSQ!!E!96",BE!C?G0:;<"
KBE!D?648rm,!q3k<7!i?GA6vg6v
C?0
H9!v!CTHU42L,EHo<?5˜Pq6?4S
I;?!i?!9Fu?QB5!h8o?;HS7>!Fu?Q!p7!r
!q?!i?8i?,EHo0?!i?GH9HUK,;N8o
F˜7F!G8T4J HAI9E!9EFu?Q7sHa0
1Z[1\]1^_` 10
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G!E!96",4<K?I3!<?e8o8i?!qL4SI;
7?G !"8K!?!i?7sHaFu?Q!i,U8C?2
GH9ufa0?2G8E,>!9?!i?;<GCB"7uf
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B96CB"78o7sHaFu?Q•!E:CB"78ou:;
 !œ647?6F˜7uj!aV#k!83!!@6CB"7!qo8K! !
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!qo!96;S>!H !C,7?6HE,C?6;EC,s9
!E!•!>!CB"70I;F ,EHo!@63ku?Q,Eg?
!i?CB"7?!i?8i?0
SSBC;!,EHoS!E!!@o676!E!
D?6"3kHQ,9,n0-?6"3k8K!7sHa=8G
KD?;75! LE!•!>!:!E!•!>!3k
,EHo7LHaHfB˜,v4,i<!E!96",8=?Fœ
kG3kBG<K;!<4?I,!E:;
!J4;!!q=?U6769!E!D?6"3
k0
9"!7sHa!E!D?6"3k4S>!3k;
!,EHo86L3kv7L43k:43
k!!E!<9LBE!0
1.1.2. Bản chất của tín dụng
3k2LH9=?,v>!Fu?QBE!6?4
sPQ!>,v>!93k!po"H6<F 6;7KL7U
1Z[1\]1^_` 11
3456789:;:9<3=>?@&A2
7aI49E6;7aFGGQ8T4UI;7U6!qoFœ
k8K!EHT!@69E9w!H !C,9w!EC,5D?6H69
8•0
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A6d!q7GD?6"5D?6I8aEHTG3k8K!Po?
"S>!="9w!9E0-?EHSI8a8q8K!o
"D?6!E!689LF6?
Thứ nhất<"!,:,G3kS>!!96;0¡6
89L;4G="9w!EHTI9E8K!!?;ogU!9
6;F6U86;0I;B!96;4EHTG3k8K!
!?;oF6U86;48:;<7a8w!8o7!vPBE!"!7?6
PE9E5U0
Thứ hai<"!FœkG3kH9D?EHSEFu?Q06?
BI8K!G3k4U86;8K!D?;=FœkEHT8q8o
97f7a7k!83!Q8T0?;U86;B5!qD?;=
FsA?=EHT8q47!hL7UFœkH97aU6Q8T0
Thứ ba<"!9H3k0:;<689LBCn!7ar
?i93k06?BG3k8f97a!?BRFu?Q
8oHs=SE="4SU86;9H<L!9U!96;0
I;F 9H!@63k<8w!H?a!=P!QI8a
!@63k4<Q?Q,:P",L7HN3k!E!,L7HNBC
BE!0
Tóm lại:3k<,v>!?;8aGD?6HdQ!@6
=BCTHU03SC7Fœk"?D?,v>!;
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3456789:;:9<3=>?@&A2
FŸq,,iD?;C?!i?G86<Q8=!Q,C!9Fu?Q
8i?,EHo0
1.1.3. Chức năng của tín dụng
3kB5!h<!>!J!vP!@6:v7L
7!r<!>!J!@6i?C!E!8T!C!34<B97k!Fœ
kG<Q!p<9L8a!C7”Hd<K?I!69Qs
!E!:0SI;43k!q!E!!>!JF6?
1.1.3.1. Tập trung và phân phối lại vốn cho nền kinh tế
:;<!>!J!vP!@63k4U!>!J;7!E!
?2G="H9ufa8K!8=?Cgvšg6›F6všC?›
8oFœk™7,EHoBC0
I,H?,:,G<LG3k<6D?EHSGQ
H9F I8a!@6"G3k0
5D?69L8a3ksB:?I,H?S?2G
HžH9ufa8K!I,K,<L?2G<!qo8E,>!E!
?!i?G<!9=BC0
5D?69L8a3ksB:?,:,GS?2G8K!
,:P•8C7d?!i?!iG!@6!E!•!>!BC4ufa4!E:0
/:,GH !C,<F !?;o69G!@6!@oL7U
HžGF6!@oC?GL7U7B5,5D?6!E!•
!>!!3H?60
1Z[1\]1^_` 13
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/:,GEC,<F !?;o69GA6!E!!@og6G
L7UF6!@oC?GL7U5D?6!E!•!>!!3
H?60
I;5D?6!>!JI,H?,:,G<LG !
"j9?;˜!9HH9=BC43k!q?CH¢H"4q
B3!3!7wI,H?G48K!uj7<FK:;BCGA6!?c!i?
G="4L9l!9!@og6=4!@oC?=H9=
BCw,t6?48L8K!7k!83!!@67žP4U8q73k8f
H !C,6768=?CGn,!9="<?5<?58L"?D?
BC!694HESHLC?k!pg6=H9=BC
n!8–;"!FœkG!q"?D?0
1.1.3.2. Tiết kiệm tiền mặt trong nền kinh tế và chi phí lưu thôngtiền
tệ
U9L8a!@63k7q!qo,E?;!>!JC
B"7=7w!,3<?5!9ufa48=?;o"D?6!E!
7wF6?
19L8a3k4H!CqL98=?B"!9F H68U!@6!5
!k<?53kv,C?4BR,C?:4!E!<9LFO!4
!E!,v"69E"8L£3k4£69E4V!9
,O,6;C7aFG<K<=7w<?WBo!=8n!P™B7
<9LD?XH!8:;=Q;"6;YU8q<77P!E!!
,34<K=<?5 !C!q<D?6=48n!=4I
!?;o4P9D?=V0
9L8a!@63k48w!P"<3k:8f7sH6
7aBJ<vH9"!7sB969T!69E
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