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To uphold the responsibility of production and service establishments of the collective economic sector in the prevention and treatment of environmental pollution, in economical and efficient use of natural resources; encourage the development of environmental service cooperatives that provide environmental protection, pollution prevention and treatment services for economic activities of society; building cooperatives into organizations with a harmonious combination of economic, social efficiency and environmental protection.
Create a fundamental change in the quality of the cooperative economy; develop cooperatives in terms of both size and quantity, and gradually improve their quality nationwide, in all branches and fields of the economy in accordance with the values of cooperative principles. Strengthen the potential, accumulate and improve management capacity and improve the benefit distribution mechanism for cooperatives, creating a premise for the collective economy and the state economy to become more and more solid foundations of the cooperative economy. National Economy.
To develop the cooperative economy according to the following orientations in the following specific industries and fields:
- Agricultural, forestry, salt and fishery cooperatives
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Consolidate and improve the operational efficiency of service cooperatives serving the production of agriculture, forestry, matches and fisheries in the following directions:
Lowering costs and improving the quality of services provided to cooperative members; Expand the type of services that members and communities need.
Promote and facilitate the association, consolidation and merger of small-scale rural cooperatives into larger-scale cooperatives.
Encourage cooperatives to develop diversified services in agriculture, forestry and fishery such as agricultural extension and technology transfer, plant protection, supply of materials, fertilizers, production and supply. breed livestock and plants; product consumption cooperatives; agricultural product processing cooperatives; cooperatives providing irrigation services, irrigation, etc.
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- Non-agricultural, industrial and handicraft cooperatives:
Continue to consolidate, improve efficiency and expand the scope of activities of existing cooperatives, develop new cooperatives providing services for industrial production - handicrafts and construction. of cooperative members. To associate cooperatives with industrial promotion programs, to modernize rural industry, to act as the nucleus of industrial and handicraft development in industrial clusters and to create a premise for the formation and development of new industries.
new industrial village in the process of industrialization of the country.
Encourage cooperatives to transfer advanced science and technology to serve industrial - handicraft activities of cooperative members.
Develop cooperatives as satellites providing services and products for large-scale industrial enterprises.
Encourage the association of cooperatives to form unions or forms of cooperative economic linkage with high competitiveness at regional or national scale.
- Construction Cooperative:
Consolidate existing construction cooperatives, combine with solutions on finance, management, organization, and improve operational efficiency of cooperatives.
Encourage the establishment of new construction cooperatives.
Focus on mobilizing investment capital in modernization of construction machinery and equipment, technological innovation, application of advanced technologies, and improvement of cooperative's operational efficiency and competitiveness.
Pilot construction and development of housing cooperatives; expand cooperatives to provide services and construction materials.
Cooperatives in the field of Commerce:
Consolidate and develop cooperatives, unions of commercial cooperatives (in towns and cities), trading cooperatives (in rural areas) to better serve
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diverse needs of the population, meeting output services for farming households and supplying consumer goods to rural residents.
To develop appropriate forms of economic association in the commercial sector of cooperatives with regional or national scale.
To develop supermarket cooperatives and cooperative supermarket networks with advanced and civilized operation methods, bringing benefits to cooperative members.
Expand the model of cooperative groups and commercial cooperatives of individual trading households. Developing the market cooperative model in both urban and rural areas to attract a large number of small traders and market sellers as cooperative members.
Transport Cooperative:
Consolidate and improve the operational efficiency of transport service cooperatives, providing necessary services for members.
To develop cooperatives and unions of transport business cooperatives to meet the general transportation needs of cooperative members, residential communities or organizations and enterprises.
To attach importance to the development of cooperatives providing mechanical services, repairing means of transport for cooperative members, cooperatives doing yard business with members who are vehicle owners using wharves.
Credit Cooperative:
Expanding the scale and area of operation of the people's credit fund in a sure and safe manner, attracting more cooperative members to join the fund to promptly meet the small-scale capital needs of cooperative members.
Concentrating capital for loans to cooperative members to invest in production and business development, economic restructuring, business expansion, implementation of a combination of People's Credit Funds and commercial banks to increase credit capital for cooperatives.
Linking to create capital for cooperatives in the same area to develop production and business.
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Continue to establish new people's credit funds in places where there are needs and conditions, including rural and urban areas.
Continue to expand and develop new cooperatives in other sectors and fields, such as: environmental cooperatives, school cooperatives; life service cooperative; pharmaceutical cooperatives; medical cooperatives..etc.
3.1.2. Objectives of cooperative economic development up to 2010 and forecast to 2015 - 2020
Documents of the Party and policies of the Government have clearly stated:
- Urgently continue to implement the 2003 Law on Cooperatives with the following basic contents:
- Consolidate existing cooperatives, especially transformed cooperatives; complete dissolution of cooperatives that have not yet been converted and are unable to convert; dissolution of old cooperatives that have been transformed but are not operating or provide formal support to cooperatives operating under the Cooperative Law 1996 to operate under the Law on Cooperatives 2003.
- Encourage cooperative cooperatives to establish specialized or multi-professional cooperative unions.
- Avoid competition among cooperatives in the same area.
- To encourage links and joint ventures between cooperatives and between cooperatives and enterprises of all economic sectors and foreign investors; continue to research and develop a new model of cooperative economic linkage suitable for the direction in one area to encourage the development of many specialized cooperatives, organize economic linkages of vertical cooperatives. and horizontally, or encourage the development of multi-sector cooperatives, especially in rural, remote and isolated areas; towards the establishment of "cooperative groups".
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- Consolidating and consolidating the organization of the State management apparatus for the cooperative economy at all levels, ensuring efficiency, synchronization and high coordination within the apparatus.
In the five-year period 2006-2010, it is necessary to achieve the following specific objectives: [42].
- Value added growth rate:
The annual value-added growth rate of the cooperative sector is 6.1%.
Gross domestic product of the collective and cooperative economic sector by 2010 will account for 14.6% of the country's GDP, of which cooperatives contribute 7.1%, economic members contribute 7, 5%.
The average total capital of the cooperative economy from 2006 to 2010 is VND 50,327.9 billion, of which:
- Own capital: 29,527.7 billion VND
- Loan capital: 20,800.2 billion VND, including:
+ Commercial loans: VND 4,935.8 billion Of which, bank loans (80%): VND 3,948.6 billion
+ Preferential loan: 3,840 billion VND
The above option does not take into account the impact of management, technology and other factors that can affect quality on growth.
Other relevant indicators are as follows:
1. Value added structure of the cooperative economic sector
- The proportion of GDP by 2010 due to agriculture, forestry and fishery accounts for 6.4%.
- The proportion of GDP by 2010 due to industry, construction and handicraft will account for 0.8%. The proportion of GDP by 2010 due to services will account for 1.7%.
- Exports:
Striving to 2010 the export turnover of handicrafts of the cooperative sector is three times higher than that of 2001, equivalent to 450 million USD/ 1 billion USD of the whole country.
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- Average income of workers
Strive to increase the average income of workers in the cooperative economic sector at least equal to the national average; strive for the average annual income of cooperative members to reach 11 million dong by 2010, the average annual income of a cooperative worker to reach 12 million dong in 2010.
- Average profit increase of a cooperative:
The average profit of a cooperative is forecasted to grow at an average of 13.24% in the period 2006-2010.
- The increase in average profit rate of a cooperative:
It is forecasted that the average profit rate of a cooperative will reach an average growth rate of 6.01% in the period 2006-2010.
- Average increase in labor productivity of a cooperative:
The average labor productivity of a cooperative is forecasted to achieve an average growth rate of about 9.56% in the period 2006-2010.
- Increase in direct export value of cooperatives:
The average growth rate of direct export value of a cooperative is forecasted to grow at an average annual rate of 22% in the period 2006-2010.
- The number of cooperatives increased an average of 7.2% annually in the period 2006-2010, reaching 27,400 cooperatives in 2010.
- The number of cooperative unions increased by 27.1% annually on average in the period 2006-2010, reaching 80 cooperative unions in 2010.
- Attracting 15-17 million people to join cooperatives, accounting for 40% of the total labor force of the country in 2010.
- The proportion of employees participating in cooperatives increased from 25% in 2005 to 35% in 2010.
- The labor size of the cooperative increased on average from 540 in 2005 to 542 in 2010;
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- The proportion of cooperative managers who have received university training increased from 8% in 2005 to 20% in 2010 and the intermediate level increased from 21% in 2005
to 38% in 2010.
- The average growth of cooperative managers trained from intermediate level is about 13% in the period 2006 - 2010.
- It is forecasted that the average growth of vocationally trained cooperative workers is about 21% in the period 2006 - 2010.
- Actively contribute to hunger eradication and poverty alleviation, raising the income of cooperative members towards a well-off, striving to gradually expand into activities of providing educational, medical and cultural services for the community of cooperative members and residential; encourage community cultural activities, the spirit of mutual affection in the community of cooperative members.
- Raise awareness and legal knowledge on rational use of natural resources and environmental protection for all officials, cooperative members and employees in the collective economic sector; raise the responsibility of cooperative economic organizations and cooperatives in applying scientific and technical advances to improve production efficiency in association with prevention of environmental pollution, harmonious combination between economic efficiency and protect the environment.
- Encourage the development of environmental cooperatives that focus on solving pressing problems of the residential community such as garbage collection, transportation, waste treatment, planting trees, creating landscapes. environment, clean water supply...; detect advanced typical models and cooperatives in effective use of resources and protect the environment to reward, popularize and replicate.
3.1.3. Some opportunities and challenges of bank credit activities for the cooperative economy in the process of international economic integration
Vietnam officially became a member of the World Trade Organization (WTO) on November 7, 2008. From that time until now and in
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In the coming time, the cooperative economy as well as credit activities for the cooperative economy will face the following challenges:
Firstly, Banking activities become more competitive with many types and economic sectors. Competitive credit institutions attract and expand customers. Therefore, cooperatives have conditions to actively choose credit institutions to borrow capital, deposit money and meet other financial service needs. However, the cooperative economic model must also compete equally with other economic sectors in the credit-banking relationship. For cooperatives in the field of transportation, production of handicrafts, seafood processing are still favorable, but agricultural cooperatives are extremely difficult.
Second, the competitive economy environment is more transparent and stronger, facilitating market development and other activities of the cooperative economy. However, the level of management, the level of cooperative staff will be inadequacies and challenges in improving operational efficiency, promoting the role of cooperative members and in credit relations with Vietnamese commercial banks. Male.
Third, Vietnam has implemented the roadmap to open the financial services market according to its commitments to join the WTO, so credit institutions have become more and more active. Including 100% foreign owned subsidiaries, branches of foreign banks, joint venture banks, financial leasing companies, consumer credit services, etc. With strong competition from organizations Foreign credit will reach out to finance, finance leasing and installment lending both for the cooperative economy, as well as for cooperative members. The field that foreign credit institutions are targeting is cooperatives in the field of passenger transport, taxis, etc. Therefore, domestic credit institutions do not boldly open up cooperative economic loans. will lose market share.