giải pháp nâng cao chất lượng tín dụng trung - dài hạn tại nhno&ptnt hà nội

7/28/2019 Gii php nng cao cht lng Tn dng trung - di hn ti NHNo&PTNT H Ni

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]XOE @ FK OE^PO ]X@

CFJB ]@ KFOFOEO FOE & C]JO

CFB DÔ ]] OEF@YOEOF< ]@ KFOFOEO FOE

E`j vò foe mo< ]f.s jo Fu Kof

[òf vò tfk fò< Oeuyo Mù Dòf

Dp< 90]KO

G[[Q< 90>=9;998>

F O`892;


2/82

]XOE @ FK OE^PO ]X@

CFJB ]@ KFOFOEO FOE & C]JO

CFB DÔ ]] OEF@YOEOF< ]@ KFOFOEO FOE

E@@ YFY OOE KBJ KF] DOE ]O MOE

]XÔE Q M@ FO ]@ OEO FOE

OOE OEF@Y Q YF] ]X@O OOE ]FO F O@

E`j vò foe mo< ]f.s jo Fu Kof

[òf vò tfk fò< Oeuyo Mù Dòf

G[[Q< 90>=9;998>

F O`892;


3/82

D@ KG O

Cfb duo tt oef`p d hk ku` koe of mu stroe tfof kb gt sòf

vò tro eòe oe ` fk.]t oef`p v tg hoe kofo oe ep ofoe e

gof fk k kfj spft trò kb t ok.

]rjoe qu trof fk fò cfb duo tt oef`p, ng ofo k se`p ,

foe mo, ftrv oe vò te`b of, tfy k v ho h. Ng xò e d kg

o su sk v kfo tfof o


4/82

D@ KBG JBO

]` xò kbg jbo Cfb duo E`` pfp ooe kbj kft doe ]o moe

truoe vm fo t` Oeo foe Ooe oef`p vYft tr ò ooe tfo FO`d

koe trof oefò ku cfjb fk k dp kb t`.

Kk sdù, ct quou trjoe Cfb duo d truoe tfk v k oeuo ek r roe.

[òf vò

Oeuyo Mù Dòf.


5/82

MBOF GK KK KFQ@] ]]

B^M oe db k

KOP oe Ofo mo t

Kty ]OFF Koe ty trkf of`g fu fo

N^XJ oe tò kfuoe Kfu u

EHY oe Hoe Bof

EMY ]oe so pfg quk o`

LYP oe Po Oft

OFOO Oeo foe Of ok

OFOj&Y]O] Oeo foe Ooe oef`p v Yft trò ooe tfo

OF]G Oeo foe tfoe g`

]M ],MF ]o moe truoe, m` fo

]E CHOO ]ò e` Cfj hk Of ok

]E ]KC] ]ò e` ]kfk còf t

]E ]K]M ]ò e` ]kfk ]o moe

]C]E ]` cfjo ]ò e`

^[M oe db G

QO oe Q`t Obg


6/82

MBOF GK KK HOE H@^, [

[fù

hoe/ s

]o hoe/ s ]rboe

Fof 8.2 [ g fof tkfk t` OFOj&Y]O] F O` ;8

Hoe 8.2Ct qufjt oe fuy oe vo kb

OFOj&Y]O] F O` 8929-8928;;

Hoe 8.8Ct qufjt oe ]o moe og 8929- 8928

kb OFOj&Y]O] F O`;1

Hoe 8.; Mjbof skfj vby truoe, m` fo =8

Hoe 8.=K ku m oto moe truoe, m` fo t`

OFOj&Y]O] F O`==

Hoe 8.> K ku kfj vby truoe, m` fo tfnj oeof còf t =>

Hoe 8.1K ku kfj vby truoe, m` fo tfnj tfof pfo

còf t=5

Hoe 8.5 Mjbof stfu oe`b` jo 8929 - 8928 =6

Hoe 8.6]of fof oxu kb OFOj&Y]O] F O`

e`b` jo 8929 - 8928=0

Hoe 8.0Qoe quby vo to moe v fù sut smoevo truoe m` fo kb OFOj&Y]O] F O` >2

Hù 8.2]of fof mjbof skfj vby truoe, m` fo e`b`

jo 8929 - 8928=8

Hù 8.8 K ku m oto moe tfnj tf fo kfj vby ==


7/82

GK DK

D@ KG O

D@ KBG JBO

MBOF GK KK KFQ@] ]]

MBOF GK KK HOE H@^, [

D@ G^ ....................................................................................................... 2

Kfoe 2< G] [ QO K HO Q OEO FOE ]FOE

G@ Q FJ] OE ]O MOE ]XÔE, M@ FO KB OEO

FOE ]FOE G@ ............................................................................................. =

2.2. G] [QO K HO QOEO FOE ]FOE G@ ......... =2.2.2. Cf` o`g ................................................................................................. =2.2.8. Fjt oe k ho kb OF]G ................................................................ 5

2.8. FJ] OE ]O MOE ]XÔE, M@ FO ]@ OEO FOE]FOE G@ ......................................................................................... 6

2.8.2. Cf` o`g ................................................................................................. 62.8.8. k `g ]o moe truoe, m` fo ....................................................... 222.8.;. Yfo dj` ]o moe truoe, m` fo ....................................................... 282.8.=. Qb` tr ..................................................................................................... 2;2.8.>. O` muoe oef`p vkfj vby truoe, m` fo........................................ 2>2.8.1. Kft doe ]o moe ]ruoe, m` fo.................................................. 89

2.;. KK OFO ]OF FOE ]@ KF] DOE FJ] OE]O MOE ]XÔE, M@ FO ............................................................ 8>

2.;.2. Kk ofo tcfkf qubo ....................................................................... 8>2.;.8. Kk ofo tkfqubo ........................................................................... 81

Kfoe 8< ]FK ]XOE KF] DOE ]O MOE ]XÔE, M@FO ]@ OFOj&Y]O] F O@................................................................... ;9

8.2. CF@ R^] QOFOj&Y]O] F O@ ............................................. ;98.2.2. Dkf sfof tfof v pft trò......................................................... ;98.2.8. [ tkfk hgy ............................................................................ ;28.2.;. ]fk troe fjt oe còf mjbof t` OFOj&Y]O] F O`.......... ;;

8.8. ]FK ]XOE KF] DOE ]O MOE ]XÔE, M@ FO]@ OFOj&Y]O] F O@................................................................... ;6

8.8.2. Kf]o moe truoe, m` fo t` OFOj&Y]O] F O`.............. ;68.8.8. ]fk troe ]o moe truoe, m` fo t` OFOj&Y]O] F O`....... =2


8/82

8.8.;. of e` kft doe to moe truoe v m` fo t` OFOj&Y]O]F O` ..................................................................................................... >2

Kfoe ;< E@@ YFY OFG OOE KBJ KF] DOE ]O

MOE ]XÔE, M@ FO ]@ OFOj&Y]O] F O@........................... >0

;.2. YFOE FOE YF] ]X@O FJ] OE C@OF MJBOFKB OFOj&Y]O] F O@ ]XJOE E@B@ JO ]@ .................... >0

;.2.2. Yfoe foe fjt oe kfuoe .......................................................... >0;.2.8. Yfoe foe fjt oe to moe truoe v m` fo........................ 19

;.8. [ KO ]F@] KB Q@K OOE KBJ KF] DOE ]OMOE ]XÔE, M@ FO .................................................................... 12

;.8.2. Ooe kbj kft doe to moe truoe v m` fo d ` f` hk tf`t` v spft trò kb oo còf t................................................... 12

;.8.8. Ooe kbj kft doe fjt oe to moe quyt of sto t` vpft trò kb Oeo foe..................................................................... 1;

;.;. E@@ YFY OOE KBJ KF] DOE ]O MOE ]XÔE, M@FO ........................................................................................................ 1;

;.;.2. K` tò, b moe fb k ku, dj` fof kfj vby truoe, m` fo........ 1;;.;.8. Ooe kbj kft doe koe tk tfg of trk cf` kfj vby............. 1=;.;.;. Ooe kbj kft doe koe tk kb ` oe ko hto moe, ko h

tfg of ............................................................................................... 11

;.;.=. ]oe koe koe tk c`g trb, e`g st trjoe v sbu cf` kfj vbyofg e`g tdoxu ......................................................................... 15

;.=. G] [C@O OEF ............................................................................ 10;.=.2. Cò oefv OFOj&Y]O] Q`t Obg.............................................. 10;.=.8. Cò oefv OFOO ............................................................................. 10;.=.;. Cò oefv Kfof pfv kk hoeof k dò qubo.................... 59

C] DÔ ..........................................................................................................58

MBOF GK ]FBG CFJ


9/82

2

D@ G^

2. ]of kp tf`t kb t`G` oo còf tfjt oe v pft trò u pf` mb tro k skk oeuo dk,

trjoe vo d oeuo dk cfoe tftfby tf. Qo hbj eg tò t, k svt kft,

ctfut, cfjb fk, tr` tfk, oeuo ofo dk Q kk mjbof oef`p, k tfo` vo

d tò , d k su tò kk mjbof oef`p groe so xut còf mjbof v `

g koe oef. Kk mjbof oef`p k tftj vo hoe ofù kkf cfk ofbu< k tf

tkf dy tfjt oe so xut còf mjbof, fuy oe vo, dò mjbof dò ct, fby

vby go kf`g moe vo kb kk mjbof oef`p cfk. Ofoe guo o of v kd tfoft e`p kk mjbof oef`p toe koe k svt kft ctfut, ` g koe

oefd oeuo vo truoe v m` fo tkk Oeo foe tfoe g`.

]rjoe tof fof oo còf t fò oby< cfoe fjoe còf t tjo ku, cfoe

fjoe okoe cfu vk oe Nurj v sbu gt tf e`bo m` oo còf ttrjoe ok

toe troe ooe, u t kbj ofoe fù qutfp, mo o toe ku st e`g, cfò

fu ft kk mjbof oef`p ep cf cfo, okbj cf tr, fo ob tuy Oeo foe b gk d` sut kfj vby v2>%/og ftrmjbof oef`p ofoe vo vt qu

cf ooe kb mjbof oef`p, cfò cfooe fp tf vo kb mjbof oef`p trjoe

og 8928 d rt tfp, ofoe vo to oe trjoe kk OF]G cfoe pf` d t. Fò

toe oeo foe tfb tò, mjbof oef`p cfoe vby k d k tfk. Of vy,

cfoe pf` kfoe tb tfù vo g d kfoe tb kfb k kkf kfuyo vo fuy oe

k vj so xut còf mjbof. OFOj&Y]O] F O` koe cfoe og oej` tof

troe .

Vut pft t tfk troe boe mò rb, oeuo vo m` mj trjoe cf` fù qu

fjt oe to moe tfp, toe m o kf kf`g cfjoe ;2% toe oeuo vo fuy

oe k, trjoe tf e`bo tfk tp t` OFOj&Y]O] F O`, ng kfo oefò

ku t`< E`` pfp ooe kbj kft doe ]o moe truoe vm fo t` Oeo

foe Ooe oef`p vYft tr ò ooe tfo FO`.


10/82

8

8. Gk kf oef`o kuCfb duo ofg t k kk gk kf sbu


11/82

;

>. Ct ku kb cfb duoOej` pfo Gu v Ct duo, o` muoe Cfb duo oy k ; vo gk t`u

v k e`` quyt trjoe ; kfoe


12/82

=

KFOE 2

G] [QO K HO QOEO FOE ]FOE G@ Q

FJ] OE ]O MOE ]XÔE, M@ FO

KB OEO FOE ]FOE G@

2.2.G] [QO K HO QOEO FOE ]FOE [email protected]` o`g

Dkf sfof tfof v pft trò kb oeo foe eo dò v dkf spft trò

kb oo so xut foe fb. Oeo foe tfoe g` (OF]G) rb d ct qukb

gt qu trof fof tfof v pft trò du m`, pf fp v eo dò v tò trof

pft trò kb oo so xut foe fb. O k kj` d so pfg kb oo so xut

foe fb, d gt hpfo cfoe tf tkf r v to t` of gt tt yu trjoe oo

còf tfò `.

Qy OF]G d e: O fjt oe of tfoj: Kfk ooe kb o rb sbj: Vuoe

qubof vo oy k rt ofù qubo `g cfk ofbu.

]fnj qubo `g kb kk of còf tfk tf OF]G d gt mjbof oef`p fjt

oe v còf mjbof trjoe dof vk tò tv to moe.

]fnj E`j sYntnr [.Xjsn< Oeo foe d dj` fof t kfk t` kfof kuoe

kp gt mbof gk kk mkf v t` kfof b moe oft k h`t d to moe, t`t

c`g v mkf vtfbof tjo - v tfk fò ofù kfk ooe t` kfof oft sj v v

ht cgt tkfk còf mjbof oj trjoe oo còf t.

d qubo o`g kb vOeo foe oe tro ek kb kk kfuyo e`b t`

kfof. Ko oe tro ek dut pfp tf sbj: ]fnj dut Oeo foe kb Yfp tf

Oeo foe k of oefb< Oeo foe tfoe g` d ofoe x oef`p fby k s

oj tfoe xuyo ofo kb koe kfoe m fof tfk c tfk, fby fof tfk

cfk stò g fmoe kfj kfof fvj soef`p kf`t cfu, to moe fby mkf

vt` kfof.

Ko dut pfp o of oefb< Oeo foe tfoe g` d k sofo kk

cfjo c tfk kfj vby fby t` trv u t.


13/82

>

]fnj Dut kk ]kfk ]o moe 8929 Q`t Obg, tf Oeo foe k of

oefb of sbu


14/82

1

c`g oe tf e`g pf to to moe kfj oe` u t, ù oy koe cfuyo cfkf

v`k u t.

]f fb`, OF]G k kfk ooe tj tò (tj pfoe tò tfbof tjo)< ]fnj

qubo `g fò `, ` doe tò thbj eg ofù hpfo< (2) tò e`y trjoe du

tfoe (G9)3 (8) s m tro t` cfjo tò e` e`bj mkf kb cfkf foe t` oeo

foe3 (;) tò e` tro kk t` cfjo tò e` t`t c`g k cfo v cfoe cfo

kb mo k. Mj vy, cfoe pf` of oeo foe kb oe tfvoe tj pfoe

tò tfbof tjo tfoe qub v`k pft fof kk e`y ov cfkf foe fby ò tò c`g

dj`, oeo foe oey oby cf` g ù cò tfbof tjo qub oeo foe pft trò oey

koe ofbof, oeo foe v cfkf foe ofo tfy ou f k k s m tro t`cfjo tò e` tfbof tjo, fk tfkf` trk k foe fb v kk mkf vtfnj

yu ku. Cf` oeo foe kfj vby, sm tro t` cfjo tò e` tfbof tjo kb cfkf

foe toe do, cfkf foe k tfgub foe fb v mkf v. Mj , hoe v`k kfj

vby (fby tj to moe), kk oeo foe tj rb pfoe tò tfbof tjo (tfbg e`b tj

G2). ]jo hftfoe oeo foe koe tj pfoe tò tfbof tjo cf` kk cfjo

tò e` k g roe toeo foe oy o oeo foe cfk tro k skfj vby.

Cf` cfkf foe t` gt oeo foe s moe cfjo tò vby kf` tr tf tj oo

cfjo tfu (tk dg toe s tò e`) kb gt cfkf foe cfk t` gt oeo foe

cfk t tj rb kk cfjo kfj vby g. ]rjoe cf` cfoe gt oeo foe ròe d

oj k tfkfj vby do fo gk mtrm tfb, tjo hftfoe oeo foe k tf

tj rb cf` doe tò e` (tj pfoe tò tfbof tjo) ep h` tfoe qub fjt oe

kfj vby (tj to moe).

]fhb, OF]G d gt truoe e`bo tfbof tjo< Oeo foe trtfof truoe e`botfbof tjo do oft fò oby fu ft kk quk e`b. ]fby gt cfkf foe, oeo

foe tfk fò tfbof tjo e` trfoe fb v mkf v. v`k tfbof tjo ofbof

kfoe, tfuo tò v t`t c`g kf` pf, oeo foe b rb kfj cfkf foe ofù fof

tfk tfbof tjo of tfbof tjo hoe sk, y of`g kf`, oftfu, kk dj` tf, tfbof

tjo h tr v` ofbu tfoe qub oeo foe ]ruoe oe fjk tfoe qub kk truoe

tg tfbof tjo. Koe oeftfbof tjo qub oeo foe koe t fù qukbj cf` quy


15/82

5

g smoe koe oef koe k g roe. Q vy, fò oby koe oef tfbof

tjo k kk of quo d tg kkf p moe roe r`. .

2.2.8.Fjt oe k ho kb Oeo foe tfoe g`2.2.8.2. Fuy oe vo

y d oef`p vu tò, d scf tj kfj fjt oe kb oeo foe. Kfj

vby k kj` d fjt oe sòf d` kbj, mj kk oeo foe tg c`g g` kkf

fuy oe vo kfj vby. Q kfk ooe oy, oeo foe oe vb` tr d ofo ttp

fp kk oeuo vo tg tf ofo r` trjoe x f` tfoe qub fof tfk.O` muoe oef`p vkfj vby truoe v m` fo2.8.>.2. Gk kf kfj vby

Ou of to moe oeo fo k kfj vby kfyu hsuoe vj oeuo vo

du oe kb mjbof oef`p, tf to moe truoe v m` fo d` ofg u t vj kk m

o k tf` e`bo toe ` m` of gub sg gy gk tf`t h, ` g trboe tf`t h

v koe oef, xy moe sb kfb of xoe, k svt kft ctfut ofg p oe

kfj ofu ku so xut còf mjbof, v pft trò trjoe toe db` kb mjbof oef`p.

2.8.>.8. ` toe kfj vbyQ gk kf kfj vby of tro, oo ` toe kfj vby kb to moe truoe v

m` fo d kk kf` pf ku tfof trjoe toe gk u t kb mo cfoe pfo h`t

tfof pfo còf t, d tkfk, k ofo fby d mjbof oef`p, hbj eg< e` trvt t,

gy gk tf`t h, koe oef kfuyo e`bj, kf` pf ofo koe, e` tfu v kfuyo

ofoe t b`, e` tfu gub kk t` so, kf` pf gub hj f`g v kk kf` pf cfk.

2.8.>.;. ù cò kfj vbyk vby vo, o vxò vby pf` e` o Oeo foe o xò vby, duo

kfoe còf t, ctfut v mtjo k tfg of v kp tro pf muyt v kk

hj kj t` kfof kb o vgof trjoe gt v` og trk. Oej` rb, o vxò vby

pf` e` o Oeo foe ho tof tjo fù qukb mo, d ofuo g mo gboe

d` qub kk og, kk kftù pfo of cfooe sòf d kb mo of OYQ, @XXHo kof k tof tjo y kk stò xò vby, kk oeuo trov dof tro.

Oeo foe kfj vby sxng xt ckk t` dù ofg of e` y cfooe kb

o vvby vo trk cf` quyt of kfj vby, tof fof t` kfof v oefb vkb f

v` Of ok v kk tkfk t` kfof of tfoj.

Gt trjoe kk ù cò kfj kk Oeo foe tfoeg` kfj vby to moe

truoe, m` fo d mjbof oef`p pf` k hj g to moe. Hj g to moe k


24/82

21

tfk fò m ofù fof tfk cfk ofbu ofoe ofo kfuoe k gt sfof tfk

hj g to moe sbu. ]f fo kfj vby]f fo kfj vby d tro 2 og, k xk of ko kvj yu ku kb mo,

cfooe trvo kb mo u t v tof kft oeuo vo kb ho kfj vby. ]f

e`bo kfj vby k tof tcf` ho vby ofo k cfjo vo u tò kfj o cf` tr

ft o. ]foe tfoe, Oeo foe ko kvj tf e`bo cfu fbj xk of tfe`bo kfj vby. ]f e`bo kfj vby hbj eg tf e`bo o fo (ou k) v tf e`bo tr

o.

- ]f e`bo o fo k tof toe xoe v tf e`bo xy moe koe trof,

tf e`bo dp t gy gk v so xut tfso pfg.

- ]f e`bo tro< ]y vj k `g so xut còf mjbof kb o vvby, ty

vj cfooe tfu ofp kb ho vby g fb` ho tfb tfuo cfo trov stò

trotoe c.

2.8.>.1. D sut kfj vbyQk ho, cfjo u t k cfo koe m` tf r` rj koe do. Q tfd` sut

kfj vby truoe v m` fo tfoe kbj fo d` sut kfj vby oeo fo. D` sut kfj

vby k xk of ty vj mo, oeof oef, dof vk u t, kfof skf kb Oeo

foe koe of s tfb tfuo e`b Oeo foe v cfkf foe. D` sut kfj vby k

tfk tof tfnj d` sut kof fjk d` sut hò oe. ]rjoe kfj vby truoe v


26/82

26

m` fo, pfo do kk Oeo foe smoe d` sut hò ` trof r` rj kfj Oeo

foe v oe vby cf` d` sut tro tf troe hò oe. ]foe tfoe, ` v

cfjo vby truoe v m` fo t` kk OF]G tf d` sut k ù kfof 1 tfoe gt

do v k tof tfnj koe tfk sbu.5. Fo gk to moeFo gk to moe d gk m okfj vby t` b k muy tr trjoe gt tf fo

oft of g Oeo foe k tfkuoe kp kfj gt cfkf foe tfnj tfb tfuo trjoe

fp oe to moe.

Fo gk to moe pftfuk vj rt ofù yu t.6. ]fg of moCf` tò fof tfg of fs vby vo, Oeo foe ko kf tfg of fb`

o` muoe< ]fg of kfu t v tfg of mo u t. ]rjoe cfu tfg of,

Oeo foe ko og kfk pfoe mò t` kfof kb mo ofg xk of k yfù qukb mo tffò tro kk kftù< cfooe sòf d, tf e`bo fjo

vo v `g fb vo.

* ]fg of kfu t

Gk kf kb v`k tfg of kfu t d xng xt kfu t k ofu ku vby

vo tfk s, trof troe fp cfkf s moe vo vj gk kf cfk. Cf` tfg

of kfu t, Oeo foe ko xng xt kk vo sbu y


27/82

20

- Vng xt vt kkf pfp ofo, uy to kb kfu t ofg tfy k b v

kb kfu tk tfh`t k kfu t k cfooe kfu trkf of`g trk

pfp dut fby cfoe.

- Yfo tkf ooe dk t` kfof kb kfu t ofg tfy k cfooe tko

` kk oeuo tò kb kfu t k tfsmoe k cf` ko tf`t.

[bu cf` pfo tkf cfooe t` kfof, Oeo foe ko xng xt o cfooe

ù fof fjt oe so xut còf mjbof, sto of`g v ooe dk so xut.

* ]fg of mo u t

[bu cf` tò fof tfg of kfu t, Oeo foe tò fof tfg of mo

u t.

- ]fg of pfoe mò tftroe< Hk tfg of oy rt qubo troe `

v m o so pfg g, g roe tf troe so pfg. ]rjoe e`b` jo oy ko

pf` oefò ku cfooe tù tfso pfg koe dj` v oefò ku cfooe kof

trbof kb so pfg g mo so xut rb.

- ]fg of t` kfof mo u t< Ko hto moe tò fof pfo tkf kk

kftù vgt t` kfof kb mo xò vby hbj eg cfooe tro, so doe fb

vo, `g fb vo tò t, `g fb vo tro, OYQ, @XX.

- Yfo tkf kk troe fp r` rj k tfxy rb ` v mo< ]roe fp so

doe e`g, kf` pf hò ` toe, o ve` ho e`g, kk tfby ` vkfof skf

còf tkb Of ok

[bu cf` tò fof e`` oeo, ko hto moe pf` tfoe xuyo c`g trb v`k

smoe vo vby k oe gk kf xò vby fby cfoe, of cc`g trb tof fof

vo fof mo trjoe so xut còf mjbof. Ou tfy mjbof oef`p smoe sb` gk

kf tf pf` hj kj oeby v` dof j xd cp tf v p moe kk kft`

ef` trjoe fp oe to moe. Kfuo ho tf ctroek v d`, ko hto moe

pf` dp pfù ofk tfu omjbof oef`p kfuo hoe tf pf` fp v ofo

vò ctjo tfnj m` tfu oek v tfu d`.

Cf` ft fo fp oe to moe g cfkf foe cfoe trk ft otf kohto moe kfuyo pfo m oto moe ko d` sboe tfnj m` tro t` cfjo oqu


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89

fo, xk of oeuyo ofo mo o tof troe , k hò pfp xd cp tf, k tf

e`b fo ofjk k tfpft g` t` so tfkfp, kg ktfu o. Ou ft fo fp

oe to moe cfkf foe tfbof tjo y kek v d` tf ko h to moe

koe cfkf foe tò fof tfbof d fp oe to moe.

2.8.1.Kft doe ]o moe truoe v m` fo2.8.1.2. Rubo o`g vkft doe to moe truoe vm fo

]rjoe oo còf ttf troe to t` v pft trò k, kk mjbof oef`p

pf` trd hb ku f` do d< so xut k` e: [o xut kfj b`: Q so xut hoe

kkf oj: y d hb vo k ho g kk mjbof oef`p ep pf` trjoe oo còf t

tftroe. dg k ù oy, kk mjbof oef`p pf` qubo tg o gt yu t

rt qubo troe d kft doe kb so pfg.

Kft doe kb gt cfjo to moe d< Gk p oe yu ku kb cfkf

foe (koe vby do oe kfj vby tò), pf fp v` kk ù cò còf t- x

f` v ù cò k tf kb ho tfo oeo foe, g hj s to t` v pft trò

kb oeo foe.

Kft doe kfj vby k xng xt tro ofoe ek ofg (Ok cfooe gt vo) hbj eg kk cfjo oqu fo tro ;19

oey, kk cfjo ocfjbof kfKfof pfxd, kk cfjo ok ku d` tf fo

troqu fo tro 262 oey tfnj tf` e`bo k ku d`.

Oqu fo eg kk ofg tofg 8 o ofg >. ]doqu fo m >%

k kj` d fp d ou vt qu >% k oefb d kft doe to moe cfoe tt. ]oftroe oy ou cj m` k tfmo t tof troe gt cfooe tfbof tjo kb Oeo

foe.

- Kftù vd ofuo

Kftù d ofuo 8 7D ofuo to moe truoe m` fo

]oe d ofuo

Kf tù oy pfo of cfooe sòf d kb to moe truoe m` fo. O kfj

h`t gt oe m oto moe truoe m` fo gboe d` hbj ofù oe d ofuo. Ht

c gt cfjo to moe oj koe scfoe tfk of e` d k kft doe kbj

ou cfoe ng d` d ofuo tfk tkfj oeo foe. ] doy koe kbj kfoe t

kft doe to moe truoe m` fo t` oeo foe koe tt, gboe d` d ofuo kbj kfj

koeo foe. G` gt oeo foe k gt kkf of e` vkftù oby cfk ofbu,sjoe fu of cfoe k gt kjo skfof xk ktfoj dg ko kb rb sj sof,

g kk oeo foe mb vj kftù oy kb toe mo ktfkb toe og of

e` kft doe to moe truoe m` fo kb oeo foe gof.

2.;.KK OFO ]OF FOE ]@ KF] DOE FJ] OE]O MOE ]XÔE M@ FO KB OEO FOE ]FOE G@

2.;.2.Kk ofo tcfkf qubo2.;.2.2. G` troe pfp d

Kk ofo tpfp d hbj eg tof oe hkb ftfoe pfp dut, tof y

v tfoe oft kb kk vo ho m dut, oe tf eo dò v qu trof kfp fof

pfp dut v trof mo tr.

G` troe pfp d tj fof dboe kfj còf mjbof to moe Oeo foe, Oeo

foe fjt oe trjoe fof dboe fp k c`g sjt kft kfh` Of ok v y d

dof vk qubo troe v ofy kg ko pf` c`g sjt fu qukb o, tuy vy cfoepf` d cfoe ko ofoe ht kp. G` troe pfp d cfoe kft kfofù cfn f

v ht kp stj k f` kfj kk mjbof oef`p yu cg dg o ht kfof, db j do

ofbu v db j oeo foe. G` troe pfp d cfoe kft kfv tfù so of

koe cfò kk of u t truoe tfk n m, cfoe mg gof mo u t pft trò

so xut còf mjbof, mj fo kfofu ku vvo to moe oeo foe.


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81

2.;.2.8. G` troe còf tG` troe còf thbj eg kk yu tof< kk kfof skf, k kfquo d

còf tv g kb Of ok, toe so pfg quk o` (EMY), yu t dg pft, d`

sut, te` f` j`, tò doe, tfu ofp Kk yu toy cfoe ofoe k vb` trof foe g ko of foe trk t`p o fjt oe kb kk mjbof oef`p.

Ofu ku to moe trjoe oo còf t pf tfuk rt ofù vj s toe troe

còf t. Gt oo còf ttoe troe o of, g` troe còf mjbof tfuo d, ofu

ku tù moe toe d k f` rt tt kfj kk mjbof oef`p u t groe so xut,

mj ofu ku to moe toe kbj, Oeo foe m moe kfj vby v oek d`, g`

troe còf mjbof ko kfb o of, dg pft toe kbj, tdtft oef`p kbj, fjt

oe to moe ep cf cfo, vo kb Oeo foe og trjoe tof troe oe hoe

cfoe kfj vby k, ù oy k tfdg kfj Oeo foe hpf so.

Fjt oe to moe Oeo foe ko kfu of foe h tof fof còf ttf

e`. Cf` tftroe hò oe gof, k h`t d tftroe xut ofp cfu dg kfj

fjt oe xut ofp cfu e`g st, kk mjbof oef`p còf mjbof cfoe ho k

foe mo o tfub d, of foe o v`k trokfj Oeo foe.

2.;.8.Kk ofo tkfqubo2.;.8.2. Kk ofo ttfuk vpfb cfkf foe

-Ooe dk, còf oef`g quo d còf mjbof kb cfkf foe hfo kfd gt

oeuyo ofo mo o r` rj to moe. Fs xò vby hbo u kb cfkf foe d k

fù quv k tof cftf` kbj ofoe trjoe qu trof tfk fò mj trof quo d

ko tfp, tftroe hò oe d` cfoe k hò pfp xd cp tf oo ooe sut,

kft doe, fù qucfoe t k of cfjkf, mo o cfoe trk ooe

fo kfj Oeo foe.- Cfkf foe smoe vo vby sb` gk kf, cfoeoe v` pfoe o còf

mjbof rb. ]rjoe tfk t, fjt oe tfg of xut fò ofù troe fp

cfkf foe dp pfoe o còf mjbof e`, k vrt fù qu, c ct fp oe còf

tkfoe gòf u vj, u rb rt cftf`, t` so tfkfp rt ktfofoe o cf`

vby k vo oeo foe d` cfoe còf mjbof g d` kfj vby d` fjk h tro

kf`g stò vby.


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- Cfkf foe tfù kk ù cò ko v tfk fò kk oeuyo tk v

quy of kfj vby. g hj bo tjo, trof r` rj cf` kfj vby, kk OF]G tfoe

t rb ofoe tù kfuo, ù cò to moe ofg pfo dj` cfkf foe. Kfofoe

cfkf foe oj p oe k y kk yu ku kb Oeo foe tf g` k xngxt kfj vby. Ofoe ù cò tù kfuo oy k tf rt cfk ofbu ty tfnj oeo

foe k tf, sjoe ofo kfuoe kk oeo foe u qubo tg t gt svo sbu2-R/OF/R oey 85/91/2066 kb ]oe e`g k Oeo foe Of

ok Q`t Obg (oby d ]foe k Oeo foe Of ok Q`t Obg). ]rskfof

kb Oeo foe t t` s55 pfDk ]ruoe, quo Fb` h ]roe, F O`.

oe voe, to t` v pft trò trjoe k kftftroe, Oeo foe Ooe

oef`p v pft trò ooe tfo F O` kfoe groe goe d` fuy oe

vo v p oe ofu ku vo to moe kb kk tfof pfo còf t tro b ho o`

tfof.

Og 200= tfof dp Oeo foe cfu vk KfFg (oby d kf` ofof oeo

foe kp @@Fb` H ]roe)

Og 200> tfof dp Oeo foe cfu vk oe Vuo (oby d kf` ofof kp @@

Fjo C`g)

Og 2001 tfof dp kk kf` ofof oeo foe kp @@ < Oeo foe quo ]y

F, quo Hb of, quo ]fbof Vuo.

Og 2005 tfof dp Oeo foe quo Ku E`y

Og 8999 tfof dp Oeo foe quo oe b v cfu vk ]bg ]ròf

Og 8992 tfof dp 29 pfoe e`bj mkf

Og 8998 tfof dp 8 kf` ofof Oeo foe cfu vk Kfoe Moe v ]roe

]ò YDB\B v 22 pfoe e`bj mkf.


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;8

Fof 8.2< [ g fof t kfk

(Oeuo< Yfoe Fof kfof & Ofo s- Oeo foe Oj&Y]O] F O`)

Fò t`, t` trskfof kb OFOj&Y]O] F O` k gt E`g k, 8 Yf

E`g k, v 6 pfoe hbo< Cfjkf toe fp, Fof kfof & Ofo s, Mkf v

Cfkf foe v Gbrcntòe, Ctjo oeo qu, ò tjo, C`g trbC`g tjo o`

h, ]o moe, Còf mjbof oej` f`. Kk Yfoe hbo oy tfk fò kfk ooe

kfuyo go kb gof, v mof Yfoe Cfjkf toe fp k kfk ooe oefò

ku xut kfò dk cfkf foe, kfò dk fuy oe vo tro b ho F O`,

toe fp tfnj m` kk kftù cfjkf còf mjbof v quyt tjo kk cfjkf o

kk kf` ofof OFOj&Y]O] tro b ho Yfoe ]o moe k of`g v tfbggu kfj E`g k xy moe kfò dk cfkf foe to moe, pfo dj` cfkf foe

v xut kk kfof skf u ` ` v toe dj` cfkf foe ofg groe tfnj

foe u t cfp co< [o xut, kfhò tù tf, xut cfu v eo v to moe

so xut, du tfoe v tù moe3 ]fg of, xut kfj vby kk mo to muoe

tfnj pfo kp uquyo3 ]foe xuyo pfo dj` m o, pfo tkf oqu fo, tg

oeuyo ofo v xut foe cfk pfk. Yfoe còf mjbof oej` f` k of`g v

tfk fò kk oef`p vto moe, hj dof oej` tk dò qubo t tfbof tjo quk


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;;

t3 tfk fò kk mkf vcù f` v kfuyo tò, g t` cfjo cfkf foe ok

oej`.

8.2.;.]fk troe fjt oe còf mjbof t` OFOj & Y]O] F O`8.2.;.2. Fjt oe fuy oe vo

Oeuo vo còf mjbof kb Oeo foe k tffof tfof tofù oeuo cfk

ofbu of< vo ù d, vo vby, vo fuy oe, vo t` tr, d ofuo d` sjoe

k ho oft v qubo troe oft vo d oeuo vo fuy oeo kfoe gòf k

cfooe to t` v kfk ooe truoe e`bo t` kfof kb gt Oeo foe. Dg tfoj

tj rb gt kfof skf tfu ft vo, tj tò kfj qu trof u t oeo fo,

truoe fo v m` fo t k fù qukbj duo d gk tù k t do foe ukb OFOj&Y]O] F O`. ]rjoe ofù og qub, svo fof kb oo còf ttf

troe tj rb gt fqutt yu d k skof trbof gof gtrjoe fu cfp kk

oeof oefcòf mjbof koe of e`b kk o v, tkfk còf t. Fjt oe oeo

foe koe cfoe og oej` of foe kb quy dut oy k h`t cf` o còf

mjbof gt dj` foe fb k h`t, d tò t. ]rjoe ofoe og qub,

OFOj&Y]O] F O` duo kf troe trjoe v`k fjkf of kfò dk cfkf

foe, kfò dk fuy oe vo tro b ho tfof pf, k tfo` Oeo foe tfk fò k fù qukk fof tfk fuy oe vo.

Hoe 8.2< Ct qufjt oe fuy oe vo kb

Oeo foe Oj&Y]O] F O` tog 8929 o og 8928

o v< toe

Kftù8929 8922 8928

[m ]troe [m ]troe [m ]troe

]oe oeuovo fuy oe

25,;15 299% 28,219 299% 2=,;16 299%

* Yfo tfnj cfo

- ]ruoe, m` fo 28,2>5 59% 29,>50 61% 1,;88 ==%

- Oeo fo >,829 ;9% 2,>62 2=% 6,9=1 >1%


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;>

fp mo sj v` kk cof u t cfk, fkfyu kfe` tò v cfo oeo

g hj kfk kfo k cfooe tfbof tjo,tuy ofò vo k gt shpfo vo

kj` cof oy d gt cof bo tjo, t`p tk e` tò v cfo m`.

Ko ktfnj ` toe fuy oe vo, tb tfy roe, trog 8929 tf qubkk

og 8922 - 8928, t troe fuy oe vo t ]ò e` kk t kfk còf t (]E

]KC]) vo kf`g b ssj v` fuy oe vo kk cof cfk of d tmo k, t

kk ]kfk to moe (]K]M), fjk d Cfj hk Of ok (CHOO).Og 8929, tò

e` kk ]KC] d =;20 toe, kf`g 8=.65% toe oeuo vo fuy oe. Og

8922, tò e` kk ]KC] d ;,066 t oe (kf`g ;8.6% toe oeuo vo fuy

oe), e`g ;;2 toe sj v` og 8929, tf sboe og 8928, doe tò e`

toe tfg fo 8,>;2 t oe, tk toe 1;.=5% sj v koe cog 8922, do t

1,>20 toe (kf`g =>.;5% toe oeuo vo fuy oe). Qdoe tò e` t` kk

]K]M, y duo d ` toe k t troe ofoft, v d` k se`g mo qub kk

og, ku` og 8929, doe tò e` kk ]K]M d 2,>5; t oe (kf`g 0.91%

toe oeuo vo fuy oe), og 8922, doe tò e` t` kk ]K]M d 18> toe,

e`g 0=6 toe (tk e`g 19.85% sj v` og 8929), og 8928, doe tò e` t`

kk ]K]M d` e`g fo ==5 toe (e`g 52.>8%), kft 256 toe t` tf`g ;2/28/8928. Fo ob, ou xt tro pfoe mò ` toe d dj` tò tf qub

e`b` jo 8929 - 8928 tuy tò e` d o` tkf`g ttroe kfyu trjoe toe oeuo

vo ofoe k tf ofo tfy roe doe tò e` o` t e`g mo, og 8929 d

2>,598 toe, kk og t`p tfnj do dt d 29,;19 tv 2;,262 toe, oe tf

doe tò e` hoe oej` tkoe toe qub kk og.Of vy, tk fuy oe vo

t` kk ]K]M trjoe ok boe trjoe suy e`g, trjoe , fuy oe tò oe h

suy e`g gof fo k. Mò hò oy k tfkj` d ht tfoe, h trjoe ofoe og

eo y, ckog 8996 cf` tò t tft kft, fuy oe vo tfoe k xu foe

toe mo trjoe kk tfoe u og. ` v QOM, tftroe cvoe roe v v`k

kk tkfk v k ofo ho gof oej` trb tftroe trjoe tf e`bo vb qub, tf

doe tò e` QOM pf` toe do tfby v e`g `.


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8.2.;.8. Fjt oe kfj vbyHoe 8.8< Ct qufjt oe ]o moe og 8929 8928

kb OFOj&Y]O] F O`

o v< toe

Kftù8929 8922 8928

[m ]troe [m ]troe [m ]troe

]oe m o =,66; =,=91 =,==2

Yfo tfnj tffo kfj vby 299% 299% 299%

- Oeo fo 8,610 >6.5>% 8,521 12.1=% 8,0=8 11.8>%

- ]ruoe fo =29 6.=% 880 >.88% 800 1.5;%

- M` fo 2,19= ;8.6>% 2,=12 ;;.2=% 2,899 85.98%

Yfo dj` tfnjoeof oef

còf mjbof

299% 299% 299%

- Ooe oef`p-Ooe tfo

; 9.91% >;5 28.20% 2,;51 ;9.06%

- Vy moe 06; 89.2=% 598 2>.0;% 16> 2>.=8%

- [o xutKfhò

2,22= 88.62% 2,256 81.5=% 5;6 21.18%

- Vut - ofpcfu

2,896 8=.5=% 6>= 20.;6% 5;= 21.>;%

- Cfk 2,>5> ;8.8>% 2,2;> 8>.51% 096 89.=>%

(Oeuo< Yfoe ]o moe)

Ofg p oe ofu ku vo kfj oo còf t, koe v kfof skf e`g tro d`

sut fuy oe kb OFOO tj tò e`g d` sut kfj vby, tj ù cò kfj kk

mjbof oef`p, kk k ofo v fe`b of k vby vo, ooe kbj so xut e`p oo

còf tpft trò, oo trjoe kk og qub, tuy d` sut kfj vby vo gk kbj, fjt


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;5

oe ]o moe kb Oeo foe Oj&Y]O] F O` tuy cfoe toe troe gof of

ofoe og trk , ofoe og 8928 toe m o kfj vby vo t eo =,==2 t

oe, toe fo sj v` og 8922. K tf, fjt oe kfj vby oeo fo toe t

8,521 tdo 8,0=8 toe, toe fo 881 trù sj v` og 8922, fjt oe kfj vbytruoe fo koe toe tfg 59 toe, do gk 800 ttrjoe og 8928. ]uy ofò,

gk kfj vby m` fo, k sst e`g gof, og 8929, Oeo foe kfj vby m` fo

k 2,19= toe ofoeog 8922, Oeo foekfkfj vby k 2,=12 t(e`g

6.02% sj v og 8929), t`p tk trjoe og 8928 kfkfj vby k 2,899 toe,

toe oe e`g 25.61% sj v` og 8922. Ou xt tfnj oeof oef còf mjbof,

og 8922, t troe kfj vby kb oeof [o xut Kf hò d do oft (kf`g

81.5=% toe m okfj vby), trjoe cf` tfp oft d oeof Ooe oef`pOoe

tfo (kf kf`g 28.20%), v t troe kfj vby e`b kk oeof cfoe k s kfof

dkf do tf sboe og 8928, k skfof dkf r rt. ]rjoe og 8928, oe of v

to e`, Ooe oef`pOoe tfo duo d oeof oefk Oeo foe kf troe v

u tò, ttroe kfj vby trjoe og 8928 d 2,;51 toe, toe oe v ;9.06%

toe m okfj vby, eo of ep ` sj v kk oeof oefcfk. ù oy kfoe

tBer`hboc F O` ht u ` oe foe trjoe ofoe fjkf of kfò dk kb

gof.

8.2.;.;. Fjt oe mkf vOg 8922, tjo Kf` ofof pft fof k tro 2>,999 tf ef` o o` b

(ròe F` sd 0,999 tf) v tro 899 tfquk tQ`sb/Gbstnr Kbrm. ]oe sm t`

cfjo tf d tro 869 toe. [j v` og 8929 (pft fof tro 82,999 tf), pft

fof tf B]G og 8922 e`g cfjoe 1,999 tf3 pft fof tf quk t e`g

cfjoe 19 tf(og 8929 pft fof tro 819 tf). ]uy ofò sm t` cfjo tfd`

toe do oe c, toe cfjoe tro 2=9 t, toe fo 299% sj v koe cog oej`

(og 8929 s m tro t` cfjo cfjoe tro 2;6 t oe). Koe trjoe og oy,

mjbof se`bj mkf tfqub B]G k t tro 2,;>9 t/8; gy/og, hof quo t

=.0 t/gy/tfoe (toe 2.2 tsj v` og 8929). [o vkfp ofo tf(QKO])

toe ;9 o vsj v` og 8929 (toe cfjoe 251%). [gy YJ[ t` kk QKO]

t tro 299 kf`k (toe cfjoe 69 kf`k sj v` og 8929). Og 8922, ofg mkfvN-hbocòe k s pft trò vk hk, oft d mkf vGjh`dn Hbocòe< sCF


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oe c s moe mkf v oy d 2;,999 cfkf foe, toe tro >,999 cfkf foe

(+1;%) sj v` og 8929. Mkf v@otnront hbocòe g` k trò cfb` tu og

oo tò kf kfb ofù, so pfg ko g` ` v cfkf foe oo mkf v oy

kfb tfk spft trò, k >19 cfkf foe smoe.

Og 8928, tjo Kf` ofof pft fof k 88,999 tfef` oo` b (ròe

F` s d tro 21,999 tf) v 8;9 tf quk t Q`sb/Gbstnr Kbrm. ]oe s m t`

cfjo tf do o 8=;.> toe, m o tfto moe quk tt 8,821 tr. [j v

og 8922 (pft fof tro 2>,999 tf), pft fof tfB]G og 8928 toe cfjoe

5,999 tf, pft fof tfquk ttoe cfjoe ;9 tf(og 8922 pft fof tro 899

tf). ]uy ofò sm d` e`g oe c (tf` `g ;2/28/8928 sj v ;9/22/8922

toe oe d 8=;.> t/868 toe). k h`t,vv`k tfu pf mkf vtfog 8928

t >,8;= trù oe (toe =>>9 tr tk toe 599% sj v` og 8922). Mjbof s e`bj

mkf qub tfB]G hof quo toe 2.; tsj v` og 8922, t 2,1=; t/88 gy/og

tro tjo kf` ofof. Mjbof s e`bj mkf tf qub f tfoe YJ[ k t ;>9 t

oe/og, toe =;9 toe sj 8922 (+20>%). [QKO] t`p tk toe tfg 2=

o vsj vs og 8922 (tk toe ;8%), sm hof quo ]C]E kb kk QKO] t

29.; toe (toe >99tr sj 8922). Qofg mkf vN-hbocòe, o ft og 8928,k 8;,999 cfkf foe oe c s moe mkf v Gjh`dn hbocòe (toe cfjoe

29,999 CF sj v` og 8922, +55%), e`p Oeo foe tfu vfo 58> tr tò pf

mkf v(toe cfjoe >;9 tr, tk toe 81>% sj og 8922). ]uy ofò, spft trò

oy vo kfb toe xoe v t`g ooe s CF fò k t` cfjo t` Ber`hboc

Fboj` (kfcfjoe 85% sCF fò k smoe mkf v).

8.8.]FK ]XOE KF] DOE ]O MOE ]XÔE Q M@ FO]@ OEO FOE OFOj&Y]O] F O@

8.8.2.Kf]o moe truoe m` fo t` OFOj&Y]O] F O`8.8.2.2. Oeuyo tk to moe truoe, m fo

- [moe vo k gk kf< Oeuyo tk oy kb to moe truoe, m` fo koe d

oeuyo tk kfuoe kb kk dj` to moe. Cfkf foe pf` kbg ct smoe to moe

tfnj gk kf k tfb tfuo v oeo foe, cfoe tr` v ofoe quy of kb

pfp dut, v kk quy of cfk kb OFOO. Dut pfp quy of pfg v` fjt oe

kb Oeo foe. Ho kof g` oeo foe k tfk gk kf v pfg v` fjt


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oe ròe. Gk kf t` trk ef` trjoe fp oe to moe g hj oeo foe

cfoe t` trkfj kk fjt oe tr` dut v v`k t` tr d pf fp v` koe dof

kb oeo foe. Kfof v vy cfkf foe koe pf` kbg ct v`k s moe vo d

oe gk kf of trjoe fp oe to moe quy of.

- Rubo fto moe k tfk fò tro k stfb tfuo e`b 8 ho< Rubo f

to moe pf` k tfk fò tro k soe ko vo k ofu ku ` vby Oeo foe

v Oeo foe k cfooe p oe. Oej` rb, ofu ku kb oe` ` vby v cfooe

p oe vo kb Oeo foe pf` og trjoe cfuo cf g Yfp dut quy of,

oe` ` vby k tfdb kfo oeo foe kuoe kp vo, oeo foe koe k quyo db

kfo ` toe cfkf foe kfj vby. Mj fp oe to moe pf` k tfk

fò tro k stfb tfuo e`b oe` ` vby v oe kfj vby.

-Oeuyo tk fjo trk cfo, fjo trkvo ek v d`< cfkf foe pf`

kbg ct fjo trvo (ek) v d` v tf` e`bo xk of. Kk cfjo to moe kb

Oeo foe kf yu k oeuo ek t kk cfjo tò e` kb cfkf foe v kk

cfjo Oeo foe vby go. Oeo foe pf` k trkf of`g fjo trkek v d`

of kbg ct. Mj vy, Oeo foe duo yu ku oe ofo to moe pf` tfk

fò oe kbg ct oy. y d ù cò Oeo foe to t` v pft trò.

- Oeuyo tk k fù qu còf t x f` kbj< ]fk fò oeuyo tk oy k

ofù oefb v koe kfof g hj kfj v`k tfk fò oeuyo tk smoe vo

k gk kf. Cf` kk mo vby truoe m` fo ng d` fù qucòf tx f`, koe

kfof d v`k kk mo ng d` d` kf kfj kfof oe` ` vby. Fsk cfooe

tfbof tjo vo ek v d` kfj oeo foe v tfk fò kk ù cò trjoe fp oe

to moe.8.8.2.8. Ruy of cfk kb kfof skf to moe tr uoe, m fo

-Gk kf kfj vby< Gk kf t` trkfj vby truoe v m` fo ofg p oe

ofu ku vo kfj kk mo k tf e`bo tfu f` kfg. K tfd kk mo k cf

ooe tfu f` vo t2 og trdo.

Gk kf kfj vby kb Oeo foe ko ofg smoe oeuo vo fuy oe m

tfb t` kk Oeo foe kfj kk mo, ng d` kfj kk mo ofoe cfjo d ofuooe tf gboe d` tfu ofp kfj kfof Oeo foe. Ofo kfuoe gk kf kfj vby


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tfp oe k hbj ofù ofu ku vby vo kb cfkf foe e`b toe sdoe,

kft doe to moe kb oeo foe. Q v`k kuoe kp kfj cfkf foe kk cfjo

vby tro 2 og, mjbof skfj vby truoe v m` fo t` OFOj&Y]O] F O` qub

kk og k tffò m hoe sbu= >,98; +02= 86.82% +610 89.08%

8. ]ruoe fo 2,209 2,;;0 2,>98 +2=0 28.>8% +21; 28.25%

;. M` fo =,998 ;,86; 8,=21 -520 -25.05% -615 -81.=2%

]oe 6,==9 6,551 6,0=2 ;;1 ;.06% 21> 2.66%

(Oeuo< Yfoe ]o moe OFOj&Y]O] F O`)

Hù 8.2< ]of fof mjbof skfj vby

truoe v m` fo e`b` jo 8929 - 8928

22092;;0

2>98

=998

;86;

8=21

9

>99

2999

2>99

8999

8>99

;999

;>99

=999

=>99

Og 8929 Og 8922 Og 8928

] oe

]ruoe fo

M` fo


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=1

Ofo vj hoe k ku m otb tfy t` Oeo foe Ooe oef`p v Yft trò

ooe tfo F O` k skfuyo mkf k ku r rt e`b ttroe kk oeof oef. K

tfofo tfy r oft skfuyo mkf toeof oefCfk sboe oeof Ooe oef`p-

ooe tfo. Ktf, og 8929, oeof Ooe oef`pooe tfo kfk m ocfjoe2 toe (kf`g 9.91% toe m o), d oeof oefkf`g ttroe t oft tf sboe

og 8922 toe do t 891 toe (kf`g 28.20% toe m o), sboe og 8928

t`p tk toe gof do o =58 toe, kf`g 89.=> % toe m o, d oeof oef

kf`g ttroe do oft. Ho kof , kk oeof oefCfk d` k sst e`g of.

Og 8929, oeof Cfk kf`g t ;8.8>% toe m o (kf`g t troe do oft)

ofoe sboe og 8928 kfkf`g cfjoe 89.=>% toe m o, d oeof oefkf`g

t troe do tffb` (sbu oeof Ooe oef`p- ooe tfo). Ofo kfuoe, m okfj

vby tfnj oeof oefcòf tt` Oeo foe Oj&Y]O] F O` mo k ù kfof

pf fp v gk tù kb Oeo foe Oj&Y]O] Q`t Obg, cfuyo cfkf kfj vby

ooe oef`pooe tfo, mjbof oef`p vb v of, kk oeof koe oef`p pftr

v fjt oe xut cfu oe tf e`g mo m opf` so xut tfnj kfj kb

Oeo foe Oj&Y]O] Q`t Obg qub kk tf c.

Of vy, qub pfo tkf m oto moe truoe v m` fo tfnj oeof còf mjbofkfj tb tfy, k ku kfj vby t` Oeo foe Oj&Y]O] F O` cf ko `, cfoe k

oeof oj kf`g ttroe qu do v p j kk oeof oefcfk. ù oy d gt

tfuo d rt do ooe kbj k kft doe to moe truoe v m` fo trjoe toe

db`, v k ku m opfjoe pf, b moe d gt yu tqubo troe ep pfo tfk y

kft doe to moe t fù quv bo tjo. ]uy ofò, trjoe tf e`bo t, Oeo

foe vo ko t`p tk tg c`g kk cfkf foe g tfuk kk dof vk cfk ofbu,

oe tf pf` duo e` g` qubo f tt v kk cfkf foe quno tfuk k kft

doe tt.


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8.8.8.1. ]of fof oqu fo, oxu t` Oeo foe Oj& Y]O]FO`

of e` kft doe m o, Oeo foe pfo rb kk ofg otofg 2

o ofg > tfnj gk e`g mo cf ooe tfu f` o, trjoe kk cfjo otfuk tofg 8 o ofg > k xng d Oqu fov kk cfjo otfuk kk

ofg ;, =, > k xng d Oxu. ]doqu fo tro toe m okoe of t

doxu tro toe m o d t dof e` kft doe to moe kb tkfk to

moe. ]of fof oqu fo, oxu kb OFOj&Y]O] F O` k tff`o qub

hoe sbu

- Oofg 2 ;,91> ;,281 ;,285 +12 +2

- Oofg 8 2,106 2,2>8 2,82= ->21 +18

- Oofg ; =8 = ;> -;6 +;2

- Oofg = 8 25 2> +2> -8

- Oofg > 51 295 >9 +;2 ->5

M oqufo

2,626 2,869 2,;2= ->;6 +;=

M oxu 289 286 299 +6 -86

]doxu/]MO

8.=>% 8.60% 8.8>% -9.==% -9.1=%

(Oeuo< Yfoe ]o moe OFOj&Y]O] F O`)

Og 8922, toe m okfj vby tro tjo Kf` ofof d ==91 toe, trjoe

m oo` td ;,>>9 toe (kf`g 69.>5% toe m o). Og 8928, toe m o

toe tfg ;> t oe do t =,==2 t oe, tuy of`o m o xu trjoe og oy

e`g 86 t oe xuoe ko 299 t oe (toe oe e`g 82.61% sj v` og

8922).


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]hoe tro tb ofo tfy, tdoxu og 8922 d 8.60% tro toe m o

e`g xuoe ko 8.8>% og 8928.]rjoe og 8922, oofg > (Ok cfooe

gt vo) kf`g t troe kbj oft (6;.1% m oxu), oeuyo ofo d kf yu h

oe vo trjoe kk cfjo kfj vby ht oe so, mj ofoe voe gk trjoe cfuxd t` so g hj, tftroe ht oe so boe rt g g of foe do t

cfooe pft g` t` so d ht oe so tfu f` okb Oeo foe. Og 8928,

tuy oofg = v ofg > e`g, k h`t oofg > e`g k gt kkf r rt

ofoe oofg ; (Om tù kfuo) d` toe do t= t(og 8922) do t ;> t

(og 8928). ù oy kfoe tOeo foe k ofoe kfof skf, hò pfp xd

gof tby, cp tf trjoe v`k quo d, xd tof fof oqu fo. Ofoe kjo soy

pfo of Oeo foe kf t koe tk pfoe oeb v fo kfr` rj t fjt

oe kfj vby.

Ou xt vkftù oqu fo tf trjoe ofoe og vb qub m oqu fo k

xu foe e`g mo, og 8929, m oqu fo d 2,626 toe, sboe og 8922 d

2,869 t oe (e`g >;6 toe sj v` og 8929) v og 8928 d` toe do t

2,;2= t oe, tk toe ;= t sj v` og 8922 ofoe vo tfp fo og 8929.

]rjoe , m oofg 8 (O ko kf ) trjoe og 8929, 8922, 8928 do dt d2,106 toe3 2,2>8 toe3 2,82= toe. Oeuyo ofo mo o stoe trd`

kb oqu fo trjoe og 8928oy d oej` ofoe oeuyo ofo of ou tro

pfo pfo tkf oxu, ko mj gt pfo of foe too còf tv g trjoe v

oej` ok, gt pfo ko d` mj trjoe og oy, kstoe t hò gt sgo vby

kb kk mjbof oef`p vby m skfj kb Of ok tfk fò kk mo kfj

Kfof pf, oo Oeo foe ht huk pf` kfj vby ofg ftrmjbof oef`p, Of

ok soe rb hj dof fjk moe Oeo skf Of ok ftrkk cfjo vby

oy. ]uy ofò mj skfg tr trjoe v`k xt muyt kk cfjo smoe oeo skf

oo cfò kfj pft sòf oqu fo.

Ho kof kftù oxu, tb ko pf` xng xt kk kftù of voe quby vo

to moe, fù sut smoe vo.Ofkkf tof ou kfoe 2, voe quby vo

to moe v fù sut smoe vo ktftrjoe tf` e`bo qub of sbu


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moe kfj vby truoe m` fo. y d gt tdrt cf`g to. Q`k kfb to moe,

smoe tt oeuo vo fuy oe sdg e`g d ofuo v of foe xu t kft

doe to moe.

8.8.;.of e` kft doe to moe truoe v m` fo t` Oeo foeOoe oef`p v Yft trò ooe tfo F O`

8.8.;.2. Ofoe ct qut kOg 8929 8928 d og oo còf tk ofù hò oe, koe v sodk

kb k goe d OFOj&Y]O] Q`t Obg, OFOj&Y]O] F O` t k

ofoe ct quoe csbu8%/og, kjo soy

vo g hj cfooe bo tjo kb oeo foe, trof ofoe r` rj to moe ofoe

vo sòf d kfj Oeo foe. ]doqu fo og 8928 e`g fo sj v` og 8922,

k cfoe kfm gk ;%, kfoe tkk hò pfp g Oeo foe b rb e`pk` tfò tof troe oxu ht u pft fuy fù qu.

Fb` d, k ku m oto moe tfnj oeof còf tpfjoe pf, b moe, ttroe

m oe`b kk oeof toe troe fp d ofoe vo hg st tfnj gk tù g Oeo

foe Oj&Y]O] Q`t Obg rb d cfuyo cfkf kfj vby Ooe oef`pOoe

tfo, mjbof oef`p vb v of, kk oeof koe oef`p pf trv fjt oe xut

cfu. ù oy cfò Oeo foe e`g tdr` rj v toe sk kof trbof koe ofooe kbj uy to kb Oeo foe ` v cfkf foe.

Hb d, v` doe fuy oe vo m` mj, oeo foe to moe tr`t kk

oeuo fuy oe vo tQO koe of ^[M, tkk ]kfk còf tkoe of t

mo k kfj vby v d` sut fp d (Oeo foe vo moe dòf fjt k kfd`

sut trjoe v`k ` vby v kfj vby), g hj oequy of kb Oeo foe kp kbj

fo, pf fp v` quy of smoe vo kfj vby truoe v m` fo kb OFOO.


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Ho d, Oeo foe trò cfb` koe tk t`p ko mjbof oef`p hoe ofoe

koe oeffò `, cfoe ko v`k ` cfkf foe tg o Oeo foe g tfby vj

kk ko hto moe trk t`p ` tg cfkf foe t`g ooe, kfoe dò f

v fhoe ò tfj`, ngb`d, goe x f` koe of trk t`p ep gt. Ru trofv`t fs vby vo koe e`g k oe ctf e`bo hoe v`k oe hfb mdù

tro gy tof. Mkf vkfg sk cfkf foe of N-hbocòe g` k b vj t

og 8929 o oby boe mo tj kg tof v cfkf foe smoe mkf v.

t k ct qutro, OFOj&Y]O] F O` tfk fò oe v y

kk of foe kfuoe v quy of ` v kfj vby truoe v m` fo. oe tf

Oeo foe koe tb rb kk hò pfp ktfofg quo d kft doe to moe

truoe v m` fo o` ròe v fjt oe kb Oeo foe o` kfuoe tt fo ob. K

tfd=

Ho kof , Oeo foe boe trjoe qu trof t` g v fjo tfò gof,

fo ob d` boe fjt oe trjoe g` troe còf t, x f`, pfp dut kfb fjo

tfò oo cfoe trof cf` ofoe tfù st trjoe qu trof fjt oe.

8.8.;.8. Ofoe to t` trjoe fjt oe to moe truoe vm fo t`

Oeo foe Oj& Y]O] FO`

Ho kof ofoe gt t k tf fjt oe to moe truoe v m` fo t`

OFOj&Y]O] F O` vo ko gt sto t` sbu% toe m o), t troe to troe truoe m` fo koe e`g sj v` kk og

trk.Of vy, vo kfj vby kb oeo foe g kfkfyu p oe k ofu ku

h p stfù ft vo du oe tg tf kb kk mjbof oef`p.

Fb` d, mjbof s kfj vby, mjbof s tfu o truoe m` fo e`g mo qub kk

og.Og 8929, mjbof s kfj vby truoe, m` fo kf`g t troe u tf do t

12.>2% ofoe og 8928, mjbof skfj vby truoe m` fo kfkf`g =;.68% toe

mjbof s, sst e`g oy kfyu tmjbof skfj vby m` fo mj trjoe h` kof

oo còf tcf cfo, fo ob r` rj cf` kfj vby m` fo do, kf` pf u vj kbj

g gk d` sut tò e` eo kfbg tro d` vby ` v mjbof oef`p, mo o

oeuo tfu tfjt oe to moe kj d`, cfò oeo foe oe` e`` oeo. Kfj vby

cf cfo mo t mjbof s tfu o truoe m` fo koe e`g mj kk mjbof oef`p

cfoe trk o, fo ob og 8928 kogt scfjo kfb o tf e`bo e``

oeo.


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pf` my kfuyo dk fu fjk b vj so xut ofoe kfb cp tfu f` vo tf tro

tf troe tro oep gt foe v kft doe kbj, e` tfof fp d cfò

mjbof oef`p r` vj tof troe cf cfo tfg kf d pf so

Hb d, mj tfby ` vk kfkfof skf. Mj k skbo tf`p kb Kfof pfvj

fjt oe kfj vby truoe v m` fo kb Oeo foe oo Oeo foe cfoe fjo tjo

kfoe còf mjbof tfu d ofuo g ko hkf` pf` h ofoe quyt of kb

Kfof pf. ` v fof tfk kfj vby u ` kk mo truoe v m` fo kb kk

mjbof oef`p Of ok, skbo tf`p kb Kfof pfkoe r rt, Oeo foe huk

pf` tfk fò tfnj quyt of fby foe mo kb Kfof pf. Oeo foe cfoe k

quyt of kfj b` vby, kfj vby hbj ofù v d` sut kfj vby of tfoj. O` gt

kkf cfk trjoe v`k kfj vby truoe v m` fo ` v kk cfjo vby u ` oy,

Oeo foe kfd oe e`tò fby d oe quo d tò kfj Kfof pf, k dtf

koe mj Oeo skf Of ok h p. Ofoe mo oy tfoe d ofoe mo do,

ep pfo qubo troe vj v`k toe mjbof s kfj vby kb Oeo foe sjoe o d`

cfoe tfk sd gt cfjo vby kb Oeo foe.

Ho d, kk mjbof oef`p cfoe k kk mo cftf` cf` ` vby vo kb Oeo

foe, kk mjbof oef`p pf` k mo cftf` k xy moe tro k scfjb fk,

tfoe tò y , tfg of v pfo tkf gt kkf kfof xk. Ofoe trjoe tfk t

gt smjbof oef`p cfoe tfxy moe mo truoe v m` fo. K ofoe mjbof

oef`p k toe dg o do ofoe cfoe dp k cfjkf m hoe hù tfnj

yu ku kb Oeo foe. Ko hto moe ofù cf` pf` e`p oe vby tof tjo

v dp pfoe o vby vo tro. Q vy, ou trof kb kk ko hto moe yu

tf kft doe to moe scfoe tt. Oej` rb, gt smjbof oef`p cfoe p oe

k ù cò kb Oeo foe of cfoe k vo tk, cfoe t` so hj

g tfkfp fp pfp

[bu cf` pfo tkf v b rb kk of e` v tfk troe to moe truoe v m`

fo t` OFOj&Y]O] F O` kfj tfy ofoe ct qut k koe of ofoe to

t` kb Oeo foe. Q kkf ofo ofo kfqubo tfò vd tfuyt, pfo t`p tfnj

kb h` v`t xò b rb ofoe e`` pfp v cò oefofg ep pfo ooe kbj kft

doe to moe truoe v m` fo t` OFOj&Y]O] F O`.


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KFOE ;

E@@ YFY OFG OOE KBJ KF] DOE

]O MOE ]X^OE Q M@ FO ]@ OEO FOE

OOE OEF@Y Q YF] ]X@O OOE ]FO F O@

;.2.YFOE FOE FJ] OE KB OEO FOE OOEOEF@Y Q YF] ]X@O OOE ]FO F O@ ]XJOE ]F@E@BO ]@

;.2.2.Yfoe foe fjt oe kfuoe]`p tk pft fuy kk tfof tkf t k trjoe ofoe og qub. ]rjoe

kuk fp toe ct ku` og 8928, kk ko hdof j kb Oeo foe Oj&Y]O]

F O` pfo tkf ofoe to t`, kfrb oeuyo ofo v rb pfoe foe fjt

oe trjoe ofoe og t` of sbu


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o, trkf dp qumpfoe v x d r` rj tfnj oe Ruy of 1;1 kb F` oe

quo trOFOj Q`t Obg.

Ho d< Koe tk ctjo t` kfofò tjo ko tp truoe xy moe, t`p tk

tfk fò kk hò pfp toe tfu, t`t c`g kf` v o ooe kbj ooe dk t` kfof.

]rò cfb` y kk mkf vOeo foe, p moe hù pf quy of, pfo u tfu

oej` to moe 292>% sj v` og trk. ]p truoe trò cfb` kfoe trof ct tfu

oeo skf v cfj hk, f` qubo, @otnronthbocòe

Og d, koe tk c`g trb C`g sjt o` hpf` k tfk fò gt kkf

su roe< c`g trb smoe vo vby v of e` cfooe tro, t` so g hj

tò vby, gk bo tjo vo vby, c`g trb gt skf` ofof kp 8, kp ; kkk of e` oe v cp tf`. ]oe koe tp fuo cooe c`g trb, c`g sjt

fjt oe còf mjbof, hsuoe cò tfk pfp dut kfj ` oe ofo vò.

[u d, tp truoe pft trò oeuo ofo dk v` trof kfuyo go kbj, pfg

kft j k tt. Kk kf` ofof xy moe cfjkf tkfk tfk fò koe tk j

tj, tp fuo oef`p vkfj ko hvò kfk, ooe kbj trof tò fk v kfuyo

go oef`p v. ]fk fò tt cfjkf trboe h][K, koe kdbj oe g hj

ù cò vk svt kft kfj fjt oe còf mjbof kb o v, o k fjo

tfof kk koe trof xy moe, sb kfb ` v kk kf` ofof kp 8, kp ; v kk

pfoe e`bj mkf.

;.2.8.Yfoe foe fjt oe to moe truoe v m` foOfg quo tr`t t toe còf mjbof og 892; kb E`g k Oeo foe

Oj&Y]O] F o` d og ooe kbj kft doe to moe. ]ro k sct qu t

k trjoe ofoe og qub, kk ko hdof j kb OFOj&Y]O] F O` xymoe pfoe foe fjt oe kfj to moe truoe v m` fo ofoe og t` of

sbu9 ttro k sxd t` so g hj kb gt

so v.

- Gub ho oej` t, tfbof tjo quk t pfo u toe tfg > trù ^[M

(toe oe cfjoe 29> toe) sj v` og 8928.

;.8.[ KO ]F@] YF@ OOE KBJ KF] DOE ]O MOE]XÔE Q M@ FO ]@ OFOj&Y]O] F O@

;.8.2. Ooe kbj kft doe to moe truoe v m` fo d ` f`hk tf`t ` v spft trò còf t

Oey oby, koe v spft trò kb so xut v du tfoe foe fb, to moe

koe oey koe pft trò ofg kuoe kp tfg kk pfoe tò e`bj mkf p


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oe ofu ku e`bj mkf oey koe toe trjoe x f`. ]rjoe ù cò , kft doe

to moe oey koe k qubo tg h v/R-

OFOO.5. Oeo foe Of ok Q`t Obg (899>), Ruyt of s =0;/899>/R-

OFOO.6. Oeo foe Of ok Q`t Obg (8996), Ruyt of s ;=/8996/R-

OFOO, Ruyt of v v`k sb ` h suoe gt s ù kb R=>5/899>/R-OFOO.

0. Oeo foe Of ok Q`t Obg (8990), ]foe t 2>/8990/]]-OFOO.29.Oeo foe Of ok Q`t Obg (892;), ]foe t 98/892;/]]-OFOO,

Ruy of v pfo dj` t` so k, gk trkf, pfoe pfp trkf dp mpfoe r` rj v v`k smoe mpfoe xd r` rj trjoe fjt oe kb

tkfk to moe.

22.OVH Fk Qò ]` kfof, E`j trof quo troeo foe.28.OVH ]foe C, E`j trof ]o moe Oeo foe.2;.Yntnr Xjsn, Ruo trOeo foe tfoe g`.2=.YE[.][.Oeuyo Qo ]ò, E`j trof oeo foe tfoe g`.2>.Ruy kf]kfk v Fjt oe kb kf` ofof Oeo foe Ooe oef`p v

Yft trò Ooe tfo Q`t Obg hbo fof cg Ruyt of s

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