Credit for students of Nghe An Province Social Policy Bank - 1

HANOI NATIONAL UNIVERSITY

UNIVERSITY OF ECONOMICS

NGUYEN THANH TUAN

CREDIT FOR STUDENTS OF SOCIAL POLICY BANK OF NGHE AN PROVINCE

MASTER'S THESIS IN ECONOMIC MANAGEMENT

PRACTICE ORIENTATION PROGRAM

HANOI NATIONAL UNIVERSITY

UNIVERSITY OF ECONOMICS

NGUYEN THANH TUAN

CREDIT FOR STUDENTS OF SOCIAL POLICY BANK OF NGHE AN PROVINCE

Major: Economic Management Code: 60 34 04 10

MASTER'S THESIS IN ECONOMIC MANAGEMENT

PRACTICE ORIENTATION PROGRAM

SCIENTIFIC INSTRUCTOR: ASSOCIATE PROFESSOR, DR. TRAN THI THANH TU

COMMITMENT

I hereby declare that this is my own research work. The research results and new contributions have not been published in any other work.

March 27, 2015

The pledger

Nguyen Thanh Tuan

ACKNOWLEDGEMENTS

During the time of doing research on my master's thesis in economic management at the University of Economics - Vietnam National University, Hanoi with the topic " Credit for students of the Social Policy Bank of Nghe An province ". I myself have tried my best to complete the thesis. Besides, I have received the attention and support of teachers and related agencies, colleagues of the Social Policy Bank of Nghe An province have helped me complete this research work.

I would like to sincerely thank the teachers of the University of Economics, Vietnam National University, Hanoi, and the Social Policy Bank of Nghe An province. Especially Associate Professor, Dr. Tran Thi Thanh Tu for her enthusiastic guidance and help in my thesis during the past time.

March 27, 2015

Thank you

Nguyen Thanh Tuan

INDEX

List of abbreviations i

List of tables ii

List of images iii

List of diagrams iv

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INTRODUCTION 1

1. About the urgency of the topic 1

2. Research purpose and tasks 2

2.1. Research purpose 2

2.2. Research task 2

3. Research object and scope 3

3.1. Research object of thesis 3

3.2. Scope of research 3

4. Research method 3

5. New contributions of thesis 4

6. Structure of the thesis 4

CHAPTER 1 5

OVERVIEW OF RESEARCH SITUATION AND GENERAL THEORETICAL BASIS ON POLICIES FOR STUDENTS 5

1.1. Overview of research situation 5

1.1.1. Overview of published works on credit activities for students of the Social Policy Bank 5

1.1.2. Main results of the above works and some issues that need further research 9

1.2. General overview of credit policies for students 10

1.2.1. Concept of policy credit for students 10

1.2.2. Background of the birth of policy credit for students 10

1.2.3. The need for a student credit program for grade 11 students

1.3. Characteristics of student credit 14

1.4. Factors affecting credit management policies for students 17

1.4.1. Party and State policies related to student credit 17

1.4.2. Socio-economic development situation of the country 17

1.4.3. Using capital from students studying at universities, colleges, vocational schools, and vocational training schools 17

1.4.4. Ability and awareness of family's compliance with interest and debt payment 18

1.4.5. Borrower assessment and approval by the People's Committee at the commune level 18

1.4.6. Qualifications of staff of the Social Policy Bank, entrusted organizations, and the Management Board of Savings and Credit Groups 18

1.4.7. Checking the loan review and effective use of student credit at all levels and sectors 19

1.5. Some student credit loan models of different countries. 20

1.5.1. Student credit loan model in China 20

1.5.2. Student credit loan model in Korea 20

1.5.3. Student credit loan model in the Philippines 21

1.5.4. Student credit loan model in Thailand 21

1.5.5. Lessons learned in credit management for students of Vietnam Bank for Social Policies 22

CHAPTER 2 23

RESEARCH METHODS AND THESIS DESIGN 23

2.1. Methodology 23

2.2. Specific methods 23

2.2.1. Data collection and processing methods 23

2.2.2. Statistical-comparative method 24

2.2.3. Logical-historical method 24

2.2.4. Analysis and synthesis method 25

2.2.5. Investigation and survey methods 25

2.3. Data collection and use 26

CHAPTER 3 28

CURRENT STATUS OF STUDENT POLICY CREDIT AT NGHE AN PROVINCE SOCIAL POLICY BANK 28

3.1. Overview of Nghe An Provincial Social Policy Bank 28

3.1.1. General introduction to the formation and development process of Nghe An Provincial Social Policy Bank 28

3.1.2. Functions and tasks 28

3.1.4. Basic characteristics of policy credit programs of the People's Credit Fund of Nghe An province 31

3.2. Policy credit for students at the People's Credit Fund of Nghe An province from 2007 to present 33

3.2.1. Management of loan assessment 33

3.2.2. Management of the use of loans by families and students 34

3.2.3. Managing the debt repayment compliance of borrowers 34

3.2.4. Management of debt settlement due, overdue, and risky debt 35

3.2.5. Student loans according to credit products 35

3.2.6. Inspection and supervision work 35

3.3.Evaluation of the impact of credit lending to students at the Social Policy Bank of Nghe An province from 2007 to present 35

3.3.1. For Nghe An Provincial Social Policy Bank 35

3.3.1.1. Proportion of outstanding student credit 35

3.3.1.2. Growth in outstanding loans 37

3.3.1.2. Increase student loan levels according to roadmap 39

3.3.1.3. Loan interest rate 39

3.3.1.4. Loan process and procedures 40

3.3.1.5. Beneficiaries 40

3.3.1.6. Classification of outstanding debt 42

3.1.1.7 Inspection and supervision of lending to students of the People's Credit Fund of Nghe An province 46

3.3.2. For customers borrowing capital 52

3.4. Customer survey results 52

3.4.1. General customer information 52

3.4.2. Evaluation of survey results 52

3.4.3.Existing problems and causes 58

CHAPTER 4 64

SOLUTIONS TO PROMOTE CREDIT ACTIVITIES FOR STUDENTS AT NGHE AN PROVINCE'S SOCIAL POLICY BANK 64

4.1. Operational orientation of Vietnam Bank for Social Policies 64

4.2. Solutions to improve the effectiveness of credit management for students of the People's Credit Fund of Nghe An province 66

4.2.1. Conduct review and approval of loans to the right beneficiaries 66

4.2.2. Enhance the role and responsibility of local authorities at the commune level in resolving loan procedures 66

4.2.3. Closely coordinate the activities of the People's Committee and social organizations.

core

The reality of student credit management 66

4.2.4. Strengthening extensive propaganda about credit for students 67

4.2.5. Nghe An Provincial People's Credit Fund coordinates with local commercial banks in managing card spending of students 67

4.2.6. Completing the organizational model of the People's Credit Fund of Nghe An province 67

4.2.6.1. Transaction point in commune 67

4.2.6.2. Savings and loan group 68

4.2.7. Solutions on loan mechanism for students 69

4.2.7.1. Expanding lending forms 69

4.2.7.2. Improving the quality of mobilizing savings deposits through savings and loan groups 70

4.2.7.3. Loan amount and loan term suitable for each subject 70

4.2.7.4. Management, consolidation and improvement of savings and loan groups 71

4.2.7.5. Strengthening control over the use of borrowed capital 71

4.2.8. Other solutions 72

4.3.1 . Recommendations to the State 72

4.3.2. Recommendations to local authorities at all levels 75

4.3.3 For Nghe An Provincial Social Policy Bank 75

4.3.4. Recommendations to the Board of Directors - NHCSXH 76

CONCLUSION 77

REFERENCES 79

APPENDIX