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Title Page
Contents
ABSTRACT 14
CHAPTER 1. OVERVIEW OF THE TOPIC 17
1.1. Reasons for choosing the topic 17
1.2. Objective of the research topic 18
1.3. Objective of the research topic 19
1.4. Research Methodology 19
1.5. Practical and scientific meanings of the topic 19
1.6. Structure of the thesis 20
CHAPTER 2. THEORETICAL BASIS ON CREDIT TO STUDENTS AND PUPILS IN BANK FOR SOCIAL POLICIES 21
2.1. Bank credit 21
2.1.1. Concept of credit and bank credit 21
2.1.2. Classification of credit 23
2.2. Credit for students and pupils 27
2.2.1. The concept of credit to students and pupils 27
2.2.2. The need of credit for students and pupils 28
2.2.3. The performance evaluation criteria of credit to students and pupils 30
2.2.4. The factors affecting the credit performance of students and pupils 33
2.2.5. Experience of some countries in the world on credit to students and pupils and lessons for Vietnam 39
CHAPTER 3. RESEARCH DATA AND METHODOLOGY 43
3.1. Overview of Thanh Hoa province 43
3.1.1. Natural conditions 43
3.1.2. Socioeconomic conditions 45
3.1.3. Several limitations affecting the Bank's operations 45
3.2. Overview of the BSP in Thanh Hoa province 46
3.2.1. The process of formation and development 46
3.2.2. The organizational model and operational mechanism and serving objects 47
3.2.3. Credit activities of BSP Thanh Hoa 51
3.3. Credit for students at BSP Thanh Hoa 54
3.3.1. Regulations on credit for students 54
3.3.2. Credit activities for students of BSP Thanh Hoa 61
3.3.3. Survey on the borrowing demand of the households with children who are the students of borrowing subjects 63
3.3.4. Assessment of the efficiency of student credit program of BSP Thanh Hoa 69
3.4. Research on the credit efficiency for students at BSP Thanh Hoa 71
3.4.1. Research model 71
3.4.2. Research hypotheses 72
3.4.3. Research methods 73
3.4.4. Data collection 74
3.4.5. Research process 74
CHAPTER 4. RESEARCH RESULTS AND DISCUSSION 81
4.1. Descriptive statistics analysis 81
4.1.1. Descriptive statistics on the impact of the economic and social environment on the credit efficiency for students at BSP Thanh Hoa 81
4.1.2. Descriptive statistics on the impact of the legal environment on the credit efficiency for students at BSP Thanh Hoa 82
4.1.3. Descriptive statistics on the impact of the BSP's internal factors on the credit efficiency for students at BSP Thanh Hoa 83
4.1.4. Descriptive statistics on the impact of the borrowing customers' factors on the credit efficiency for students at BSP Thanh Hoa 84
4.1.5. Descriptive statistics on the impact of other factors on the credit efficiency for students at BSP Thanh Hoa 86
4.1.6. Descriptive statistics on the general assessment on the credit efficiency for students at BSP Thanh Hoa 87
4.2. Scale assessment by the Cronbach's Alpha realiability coefficient 87
4.3. Factor analysis 91
4.4. Testing the research model 100
4.4.1. Analysis Pearson correlation coefficient 100
4.4.2. Regression analysis 103
CHAPTER 5. SOLUTIONS TO IMPROVE CREDIT EFFICIENCY FOR STUDENTS AND PUPILS IN BSP THANH HOA (2013-2020) 107
5.1. Objectives in Human resource development programs in Thanh Hoa Province in for the 2013-2020 period 107
5.1.1. Overall objectives 107
5.1.2. Specific objectives 109
5.2. The direction and goals of credit for students and pupils in BSP Thanh Hoa by 2020 110
5.2.1. Overall objectives 110
5.2.2. Specific objectives 110
5.2.3. Specific tasks 111
5.3. Solutions to improve the credit efficiency for students in BSP Thanh Hoa 113
5.3.1. Solutions of BSP Thanh Hoa 113
5.4. Solutions for schools and universities which admit students and pupils borrowing capital 126
5.5. Solutions for employers 127
5.6. Solutions for state management agencies 127
5.7. Representative boards at all levels 129
5.8. Entrusted organizations at all levels 131
CONCLUSION 132
REFERENCES 134
APPENDICES 136
[Table 3-1] Some indicators on credit activities of the branch at 31/12/2012. 52
[Table 3-2] Results of lending to students of the BSP in 2008 – 2012 62
[Table 3-3] Survey results 63
[Table 3-4] Tuition framework of the mass training sectors 66
[Table 3-5] Tuition framework of vocational intermediate school and college of the mass training sectors. 67
[Table 3-6] Criteria of the efficiency of the student loan program of BSP Thanh Hoa in 2008 – 2012 70
[Table 4-1] Descriptive statistics on the impact of the economic and social environment 81
[Table 4-2] Descriptive statistics on the impact of the legal environment 82
[Table 4-3] Descriptive statistics on the impact of the BSP's internal factors 83
[Table 4-4] Descriptive statistics on the impact of the borrowing customers' factors 85
[Table 4-5] Descriptive statistics on the impact of other factors 86
[Table 4-6] Descriptive statistics on the general assessment 87
[Table 4-7] Cronbach's Alpha reliability coefficient 88
[Table 4-8] EFA Results 93
[Table 4-9] Analysis Pearson correlation coefficient 102
[Table 4-10] Regression analysis 103
[Figure 3-1] Organization structure of the provincial Bank for Social Policies system 49
[Figure 3-2] Organization chart of the provincial Bank for Social Policies 50
[Figure 3-3] Situation of debit balance in 2008-2012 61
[Figure 3-4] Research model of credit efficiency for students at the BSP 72
초록보기 더보기
In the market economy, access to scientific and technical progress requires advanced knowledge of young team, pupils and students are an important platform for social economic development of our country.
Investment in education and training is considered as the national agenda of many countries in the world as well as in Vietnam.
The introduction of the Decision No.157/2007/QD-TTg dated 27 September 2009 of the Prime Minister on credit for students and pupils taken by Social Policy Bank has received social consensus and is a policy that simultaneously achieves both efficiency in terms of value and practical significance humanities.
Credit program for students and pupils is a major policy of the Party and state giving priorities in education, social security, financial support for students, students from poor families so that they have conditions for learning, rising up in life and contributing to improving the quality of human resources, training talents for the country.
For credit sources actually promoting efficiency, it requires branches, levels, mass organizations, households, students to be responsible for the inspection and monitoring of use of loans effectively and making due repayment in accordance with the Bank's commitment.
Improving efficiency of credits for students is the ability to limit bad debt, which helps capital invested for right purpose, bringing quality of resources to society especially in the Thanh Hoa province.
Stemming from the practice, I chose to the topic "How to improve the credit system for students at Thanh Hoa bank for social policies" as my thesis. The research topic focuses on some main contents as follows: Starting from a theoretical basis and practical survey via credit situation for students in BSP Thanh Hoa, the efficiency of the credit for the students depends on five main groups of factors. In this thesis, the author also classified them into five groups including: The social economic environment: legal environment; Cause from BSP; cause from the borrowers, other causes (Local governments, organizations, schools and units to getting students to work after graduation)
Scope of research: the theme focuses on the status of credit for students and pupils; these solutions to improve the efficiency of bank credit for students and pupils in BSP Thanh Hoa, secondary data collected from the branch from 2010 to 2012 and proposed solutions for the next year.
In this topic, the author combines multiple research methods including survey methodology through the actual data collection; analysis of credit conditions for students and pupils at affiliates in the BSP Thanh Hoa, the author draws the strengths, weaknesses, achievements, shortcomings and its causes.
The method of sample surveys through survey questionnaires sent to staff from the provincial leadership of the BSP to the district, the district steering committee, the head of the loan groups, based on data collected from a questionnaire, the author will analyze the data with SPSS software version 16.0.
In addition to the two above methods, the thesis also uses statistical methods, synthesis and comparison methods to have more accurate conclusions about the research.
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