Nâng cao chất lượng cho vay đối với danh nghiệp vừa và nhỏ tại ngân hàng Nông nghiệp và phát triển nông thôn Việt Nam- Chi nhánh Hoàng Mai

8/2/2019 Nng cao cht lng cho vay i vi danh nghip va v nh ti ngn hng Nng nghip v pht trin nng thn

1/43

Bskotko57Hinkfb/lan F EL OIAF WEOI

BF LN O

l we eao weoe l mf ma la ov" w}l ew wf ufo if bf ln o leo

weoe t |s |l wf l ifa W}o We Boi Moe. Jeak Wf Leoe Oio Eoi.f elOiaf Weoi wo woe eoi go le ma t weca gf {s w}oe jfo wx lk wf/ \ks

wf ufo if bf ln o wf lef oeoe Eaoi Nkf.OEOO$XWOWTO wa fs jfo

ww lea wf eao weoe jek jfo wx lk noe/ T lsf loi b bf ln o wf ww l ll

koe le w}aoi xeoi wo goi wf XIG | 3. Lef oeoe Eaoi Nkf }w oefw woe le

ma ifx wf w}aoi wef ifko wf wel wx wf /

\T0 OI WE EOE K7.WL=.J79


2/43


NL BL

BF LN O///////////////////////////////////////////////////////////////////////////////////////////////////////////////;

BF N S////////////////////////////////////////////////////////////////////////////////////////////////////////////////;

GKOE NL LL W TFW WW

\WW Tfw ww W ; GOTTO Gakoe oiefx tk t oe= OEOO$XWOWTO Oio eoi Ooi oiefx t xew w}fo Ooi weo Tfw

Okn

< LO Lef oeoe7 OEOO Oio eoi Oe ol3 OEWN Oio eoi Weoi Nf4 GO Gakoe oiefx9 \UJG \o usw jfoe gakoe5 GX]] G xeoi }f }a6 WLWG W lel wo goi



3/43


GKOE NL MOI T MFS

GKOE NL MOI

Moi ;/; 0 Wfs le ul oe gakoe oiefx tk t oe Tfw Okn//////////C}}a}0 ]cdc}colc

|as}lc oaw dasog

Moi =/;0 G o lea tkv GOTTO wf LO Eaoi Nkf///C}}a}0 ]cdc}colc |as}lc oaw dasog

Moi =/=0 Wl woi w}oi g o lea tkv f tf GOTTO wf LO Eaoi Nkf.

OEOO$XWOWTO///////////////////////////////////////////////////////C}}a}0 ]cdc}colc |as}lc oaw dasog

Moi =/


4/43


Mfs =/30 Toi {skv to lea tkv GOTTO lk LO Eaoi Nkf.

OEOO$XWOWTO///////////////////////////////////////////////////////C}}a}0 ]cdc}colc |as}lc oaw dasog



5/43


BF N S;/ Woe lx wefw lk wf

GOTTO wo wf t xew w}fo ww l ll {sl ifk w}o we iff oe nw weoexeo ww vs lk oo jfoe w/ Tfw Okn" GOTTO lefn wf w}o 68# | gakoe oiefx

t oi ix oi j ta nl wfs woi w}oi oio |le oe ol" wa loi o tfl

bn" wes oex l oeo t esv oi to s w xew w}fo jfoe w u ef/ W}aoi fs jfo

efo okv" ga ooi |sw t efs {s |o usw jfoe gakoe lk ll GOTTO lek lka"

to w l lk gakoe oiefx lo oefs eo le oo to tkv oio eoi b oiso to

{sko w}oi gakoe oiefx woi loi s w xew w}fo t n }oi eaw oi |o

usw jfoe gakoe/ We oeoi tfl wfx lo t | goi to lk ll GOTTO lo ixoefs je jeo" toi nl/ B ga b lea tkv GOTTO weoi wfn o }f }a oefs eo

|a tf ll gakoe oiefx bo/ Eo ok" ll gakoe oiefx ov bf | goi to tkv lek

wel | efs {s/ Leoe t tv" tfl ooi lka lew boi lea tkv f tf GOTTO b

to {sko w}oi wes ew | {sko wn lk es ew ll oio eoi weoi nf t ll

GOTTO/

Usw xew w wel wfo w}o" |ks wef ifko wel wx wf xeoi Ifka gle 3 lk

OEOO$XWOWTO. Lef oeoe Eaoi Nkf wf Ooi lka lew boi lea tkv f tf

gkoe oiefx tk t oe wf oio eoi Ooi oiefx t xew w}fo ooi weo Tfw

Okn. Lef oeoe Eaoi Nkf l wl if bk leo bn wf lea ma la jfo wx

ifk jea lk noe/

=/ Nl le oiefo ls

Nl le oiefo ls lk wf b f |s xeo wle l | b bso t wo goi oio

eoi t wel w}oi eaw oi lea tkv f tf GOTTO wf Oio eoi ooi oiefx t

xew w}fo ooi weo Tfw Okn. Lef oeoe Eaoi Nkf/ W k }k ll iff xex oen

ooi lka lew boi lea tkv Lef oeoe/


6/43


OEOO$XWOWTO. Lef oeoe Eaoi Nkf" w k }k ll iff xex oen ooi lka

lew boi lk eaw oi ov/

Xen tf oiefo ls 0 Oiefo ls eaw oi lea tkv f tf GOTTO wf

OEOO$XWOWTO. Lef oeoe Eaoi Nkf ifkf ao w on =885 o 4!=8;;/

7/ Xeoi xex oiefo ls

wf | goi xeoi xex oiefo ls gsv tw mfo leoi" woi ex . xeo wle"

f lefs. |a |oe ll | bfs wes wex l/

3/ Jw ls lk wf

Oiaf bf n s" jw bso wf l lefk bn < leoi oe |ks0

Leoi F0 L | b bso t lew boi lea tkv f tf GOTTO wf

OEOO$XWOWTO. Lef oeoe Eaoi Nkf

Leoi FF0 Wel w}oi lew boi lea tkv f tf GOTTO wf


Leoi FFF0 Iff xex ooi lka lew boi lea tkv f tf GOTTO wf


\T0 OI WE EOE K7.WL=.J79 =


7/43


LEOI F

L \ B BSO T LEW BOI LEA TKV F TF GOTTO WF LEF

OEOE EAOI NKF. OEOO$XWOWTO

;/;/ Wn efs t GOTTO

;/;/;/Jef ofn GOTTO

W}aoi oo jfoe w {sl go" ll GOTTO lefn nw w w}oi bo w}aoi woi

| ll gakoe oiefx w}o l ol/ Ll gakoe oiefx ov t koi jeoi oioi

xew w}fo" woi ml jeoi oe tkf w} t t w} w}aoi oo jfoe w w ol/

Jef ul oe {sv n lk nw gakoe oiefx" ll {sl ifk lo l ta ll wfs

le jel oeks ul oe/W}o wel w ll ol lo l le vs ta ekf wfs le l

mo b to |o usw" | boi bka oi weoi usvo xeo mfw GOTTO tf ll

gakoe oiefx bo/ Efo wf Tfw Okn loi koi | goi ekf wfs wel ov xeo baf

gakoe oiefx/ W}aoi ll wef j jel oeks" ll wfs le oe if bf l iff eo jel oeks

xe ex tf woe eoe xew w}fo xeo oe oi wel w}oi lk oo jfoe w/

Loi to | 45;!LX.JWO mko eoe oiv =8!4!;665" k }k jef ofn t

GOTTO b ll gakoe oiefx l | loi oeo gf =88 oif t | to jfoe gakoegf 3 w oi %woi oi oe oiek leoe wel t ll GOTTO oe |ks0 Gakoe oiefx tk t oe b ll l |

|o usw" jfoe gakoe l bx" oi j jfoe gakoe weca xex bsw efo eoe" l tooi j jeoi {s ;8 w oi eal | bka oi w}soi moe eoi on jeoi {s


8/43


Lo weca oie oe | 34!=886!O.LX" oie oe t w} ifx xew w}fo GOTTO"

GOTTO l oe oiek oe |ks0 Gakoe oiefx oe tk t oe b l | jfoe gakoe

oi j jfoe gakoe weca {sv oe xex bsw" l lefk weoe mk lx0 |fs oe" oe"

tk weca {sv n woi oiso to %woi oiso to woi oi woi wf |o l ul

oe w}aoi moi lo f j wao lk gakoe oiefx& eal | bka oi moe {so on

%woi oiso to b wfs le s wfo& l we oe |ks0

Moi ;/; 0 Wfs le ul oe gakoe oiefx tk t oe Tfw Okn/

[sv n

Jes tl

Gakoeoiefx |fsoe

Gakoe oiefx oe Gakoe oiefx tk

\ bka oiWoi oisoto \ bka oi Woi oiso to \ bka oi

F/Ooi" bnoiefx twev |o

;8 oif w}usoi

=8 w oiw} usoi

w w}o ;8 oifo =88 oif

w w}o =8 woi o ;88 woi

w w}o =88oif o


9/43


oefs eo le/

. \o xen 0 |o xen lk ll GOTTO oeo lesoi k goi" xeaoi xe" wsv

oefo lew boi lo jn lek x oi l wfs leso {sl w/

. Ooi bl wf leoe 0 tf l fn to mko s wev oo ll GOTTO

weoi ix je jeo t to w}aoi {s w}oe eaw oi |o usw jfoe gakoe lk

noe/ Oeo lesoi" oes ls tkv to b }w bo/ Oeoi ll WLWL to c oif w}aoi

tfl lea tkv t ll GO ov lek wa bx l sv wo" w}aoi jef l oefs GO bf

jeoi x oi l fs jfo tkv to" oew b wf |o n ma

. Ooi bl loe w}koe0 ooi bl loe w}koe lk ll GOTTO Tfw Okn efo

okv lo {s wex |a tf ll GO ol oiaf ga jeoi l s we t to t j wesw

loi oie

;/=/ Eaw oi lea tkv GOTTO lk OEWN

;/=/;/ Eaw oi lea tkv lk OEWN

Wo goi b eaw oi n weca OEWN wek weso jele eoi | goi nw

wf |o % moi wfo" wf |o wel ekv sv wo& tf oisvo wl l eao w} moi ll oiefx t

lea tkv" lefw jes % wf lefw jes&" lea wes wf leoe" ma boe oio eoi t ll

oiefx t jel/Lea tkv b nw w}aoi oeoi eaw oi wo goi lk oio eoi" weoi {sk oio

eoi wel efo fs ek to w}aoi oo jfoe w gf eoe wel xeo xef to wn wef

oeo }f esv oi l w w}aoi u ef x oi oes ls to xel t jfoe gakoe t

f |oi/

* Ll oisvo wl lea tkv lk oio eoi

Eaw oi lea tkv lk OEWN gk w}o nw | oisvo wl oew oe oen n

ma woe ko wao t je ooi |foe bf lk jeao tkv/ Ll oisvo wl ov l l week w}aoi ll {sf oe lk OEOO t ll oio eoi weoi nf/

. Jele eoi xef lkn jw | goi jeao tkv oi weca nl le wek weso

tf oio eoi" weca oi {sf oe lk xex bsw t weca ll {sf oe jel lk oio

eoi lx w}o/

\T0 OI WE EOE K7.WL=.J79 3


10/43


. Jele eoi xef lkn jw eao w} l to t bf w}aoi wef ifko ul oe/

*Xeo baf lea tkv lk OEWN

Xeo baf lea tkv b tfl |x ux ll jeao lea tkv weca woi oen gk w}o

oeoi wfs wel oew oe" b nw tfl bn lo wefw {so b t | goi to tkv l

efs {s/ Tfl xeo baf lea tkv l l | jeak el b wfo wefw bx {sv w}oe lea

tkv wele ex t ooi lka efs {s {so w} }f }a w}aoi lea tkv/ L }w oefs wfs wel

xeo baf lea tkv oeoi w}o wel w oif wk weoi xeo baf lea tkv weca ll

wfs wel |ks0

. Xeo baf weca wef eo lea tkv/

Lea tkv oio eo0 B jeao lea tkv l wef eo gf ; on" l | goi

m x to | wefs ew to bs oi lk ll gakoe oiefx/

* Lea tkv w}soi eo0 B jeao tkv l wef eo lea tkv w ; on o 3

on/Weoi weoi l ll gakoe oiefx | goi s w nsk |n wf |o l

oe" lf wfo" f nf w}koi wefw m" loi oie" l | tw lew" n }oi |o usw

jfoe gakoe/

* Lea tkv gf eo0 B baf lea tkv l wef eo w}o 3 on t wef eo wf k

l we bo o =8.


11/43


Lea tkv mw oi |o0 b baf eoe lea tkv bfo {sko o tfl nsk |n t

uv goi ll mw oi |o oe oe " w kf" mw oi |o w}aoi ll boe tl loi

oiefx" weoi nf t gle t/

Lea tkv loi oiefx t weoi nf0 b baf lea tkv oio eo m |soi

to bs oi lea ll gakoe oiefx w}aoi ll boe tl loi oiefx" weoi nf t

gle t/

Lea tkv ooi oiefx0 b baf eoe lea tkv w}koi w}f ll lef xe |o usw

oe xeo mo" wesl w} |s" ifoi lv w}oi" wel o ifk |l" bka oi" oefo

bfs"///

Lea tkv wfs goi0 v b ll jeao wo goi lx lea l oeo" e ifk oe

nsk |n eoi ek wfs goi w wfo oe uc ef" oe" w}koi wefw m w}aoi oe

. Xeo baf weca xeoi wel eao w}

* Lea tkv eao w} nw bo0 b lea tkv n jeao tkv | l eao w} gsv

oew nw bo ta wef ifko ul oe w}aoi ex oi wo goi" bf tkv l eao w}

weca wea weso w}aoi ex oi/

Lea tkv w} ix0 b eoe wel lea tkv w}aoi tfl eao w} l wfo eoe

weca oe j" ll jeao ov l we moi oeks eal jeoi ws weca wea weso tl wel efo weca oisvo wl w} go w}aoi |sw wef ifko wel efo ex oi/

* Lea tkv eao w} weca vs ls0 b eoe wel lea tkv n jele eoi l we

eao w} o tkv mw l jef oa/ Baf ov weoi x goi lea oeoi jeao tkv wes

lef" we wo goi/

. Xeo baf weca usw u lea tkv

Lea tkv w}l wfx0 w}l jef lx wfo }k oio eoi l nf bfo e w}l wfx

f tf oif tkv wen oe jele eoi" ucn uw woe eoe oif tkv/ Lea tkv ifo wfx0 b eoe wel oio eoi lea tkv weoi {sk ll w lel u

ef oeoi jeoi w}l wfx lea tkv jele eoi/

. Xeo baf weca f woi lea tkv

* Lea tkv l oeo 0 Efo okv" lea tkv l oeo koi oiv loi l oio eoi le

\T0 OI WE EOE K7.WL=.J79 9


12/43


w}oi t woi w}oi lka/ Nw | baf eoe lea tkv l oeo le vs efo okv b lea tkv nsk

oe" uv" |k lek oe" lea tkv nsk w" lea tkv gs el {sl w/

* Lea tkv gakoe oiefx0 b jeao tkv lefn w w}oi bo w}aoi oio eoi/

Ll gakoe oiefx jef l oes ls t to weoi wn o oio eoi" mf b oiso

tkv l lef xe ex b t woe ma n lka/ Lea tkv gakoe oiefx weoi l ll

oio eoi lefk weoe oen jele eoi gakoe oiefx bo t oen jele eoi

GOTTO/

;/=/=/ Eaw oi lea tkv GOTTO lk OEWN

Eaw oi lea tkv f tf ll GOTTO lk oio eoi b eaw oi ifka gle t

nw wf |o %wfo eal eoi ek& ifk oio eoi t ll GOTTO" w}aoi oio eoi

lesvo ifka {svo | goi lea ll GOTTO w}aoi nw jeaoi wef ifko ul oe weca

wek weso/ GOTTO l w}le oefn eao w} l il t bf lea oio eoi jef o eo

wekoe wao/

* Tkf w} eaw oi lea tkv lk OEWN f tf GOTTO0

. Lea tkv lk OEWN b joe lsoi lx to le vs lea ll GOTTO efo okv/

. Eaw oi lea tkv lk OEWN ifx ll GOTTO ooi lka ooi bl loe w}koe

w}o we w}oi/ L we of to tkv oio eoi l nw tkf w} {sko w}oi f tfGOTTO" wa l ef ll GOTTO n }oi {sv n |o usw t ooi lka efs {s

jfoe gakoe/

. Eaw oi lea tkv oi tkf w} ifo wfx fs leoe l ls toi" boe we/ Jes

tl GOTTO l ucn oe jes tl wes ew oefs bka oi" ix xeo ta iff {svw

loi o" tfl bn lea u ef/ T tv" jef oio eoi n }oi lea tkv we | wa fs jfo

ifx ll GOTTO n }oi eaw oi |o usw" wes ew l oefs bka oi eo/

;/


13/43


t eao w} l oio eoi l il t bf oi wef eo we l we of lew boi lea tkv

lk oio eoi f tf gakoe oiefx b ww/ To tkv lk oio eoi wa }k efs {s jfoe

w t u ef/

Lew boi lea tkv l uw w}o ll {sko fn jel oeks oe |ks0

. Lew boi lea tkv f tf oio eoi0 nw jeao to lea tkv l laf b l

lew boi jef xen tf" iff eo" nl lea tkv xe ex tf je ooi lk oio eoi"

n ma oisvo wl lea tkv lesoi" eo le wex oew nl }f }a w}aoi |sw {s w}oe

jfoe gakoe/

. Lew boi lea tkv f tf jele eoi0 b to tkv oio eoi l x oi jx

wef" v oes ls lk gakoe oiefx" | to l gakoe oiefx | goi nw lle

oi nl le" efs {s/ Jeao tkv xef l bf |sw" j eo ex b" we wl o ifo"

jeoi bn nw oefs wef ifko lk jele eoi/

. Lew boi lea tkv f tf oo jfoe w0jeao lea tkv lk oio eoi xel t

ww |o usw t bs weoi eoi ek" ix xeo iff {svw loi o tfl bn" woi woe loe

w}koe w}aoi oo jfoe w/

Wel w efo okv lea wev lew boi lea tkv GOTTO wf ll oio eoi weoi

nf lek lka/ T tv" tfl ooi lka lew boi lea tkv wf ll oio eoi weoi nf b}w lo wefw wa fs jfo n }oi lea tkv f tf GOTTO/

;/


14/43


jfoe w u ef/

Je ooi w} o lk gakoe oiefx

Eaw oi lea tkv lk gakoe oiefx b eaw oi bso nkoi woe }f }a lka ga

je ooi w} o lk ll gakoe oiefx" l mfw b GOTTO bso les oe eoi lk }w

oefs vs w jele {sko t le {sko n oio eoi loi oe gakoe oiefx jeoi we

boi w}l l/ Ga " w}aoi {s w}oe wel efo {sf w}oe lea tkv" {svw oe lx

to s w ta nw g o oa " oio eoi xef wfo eoe wen oe wew j gakoe

oiefx" oe if oi je ooi w} o lk GO l lea tkv" w nf {svw oe l

oo lea gakoe oiefx tkv to ekv jeoi/

* Ll le wfs oe boi

Le wfs g o lea tkv GOTTO

G o lea tkv GOTTO

W w}oi g o lea tkv > ..................................... u ;88#

GOTTO Woi g o lea tkv

Le wfs ov lea wev {sf n o lea tkv lk gakoe oiefx w}aoi woi g o lea

tkv lk wao oio eoi/ W w}oi g o lea tkv f tf gakoe oiefx lka ekv wex lea

wev eaw oi lea tkv f tf gakoe oiefx w jw {s ww ekv lek ww/ Le wfs wl woi w}oi lea tkv GOTTO

G o lea tkv GOTTO on |ks

Wl woi w}oi lea tkv > .............................................. u ;88#

GOTTO G o lea tkv GOTTO on w}l

Le wfs ov xeo oe nl woi w}oi eaw oi lea tkv f tf GOTTO

lk oio eoi/ Wl woi w}oi lea tkv on |ks lka ekv wex eo on w}l lea

wev {sf n wo goi lk oio eoi woi ekv ifn" oio eoi l wa }k l sv wo ftf gakoe oiefx ekv jeoi/

Le wfs w b o {s eo f tf lea tkv GOTTO

G o {s eo GOTTO

W b o {s eo f tf > ......................................... u ;88#

\T0 OI WE EOE K7.WL=.J79 ;8


15/43


GOTTO Woi g o lea tkv GOTTO

Le wfs o {s eo b le wfs {sko w}oi oe if lew boi lea tkv lk

oio eoi" o lea mfw oeoi }f }a lea tkv n oio eoi l we ix xef/ oeo ta

w b o {s eo l we oe if l nw xeo lew boi lea tkv lk oio eoi/

Os le wfs ov lka we oio eoi | m oe if b l lew boi lea tkv wex t

oil bf/

Le wfs o us t w}le bx g xeoi }f }a f tf ll jeao o us/

O us b ll jeao o wesl ll oen


16/43


gakoe oiefx jef {svw oe lx wo goi lea gakoe oiefx/ Os gakoe oiefx jeoi

w} l o" oio eoi l {svo xew nf wf |o n ma wes o/ Le wfs ov xeo

oe nl ko wao lk no tkv/

Le wfs toi {skv to lea tkv GOTTO

Gakoe | wes o lea tkv GOTTO

Toi {skv to lea tkv > ........................................... u ;88#

GOTTO G o lea tkv GOTTO

Le wfs toi {skv to lea tkv GOTTO we efo wl bso lesvo to lea tkv

f tf GOTTO lk oio eoi/ Toi {skv to loi lka" to l bso lesvo loi

oekoe" oio eoi l je ooi x oi oiv loi oefs t jx wef oes ls to lea ll

gakoe oiefx l oes ls tkv to/ Le wfs ov lo lea mfw gakoe oiefx | goi to

l efs {s t lew boi lea tkv lk oio eoi l ww ekv jeoi/

;/


17/43


oi jfoe gakoe of lesoi t l mfw w}aoi eaw oi oio eoi we lew boi oeo

| bf loi {sko w}oi eo/Oiefx t oio eoi oiv loi xew w}fo f ef lew boi

oeo | oiv loi lka/ Tfl wsvo goi oeo tfo l a l ww" iff lesvo no

oiefx t | ifx xeoi leoi wf k |kf xen w}aoi {s w}oe jfoe gakoe/

. Loi wl jfn w}k" jfn |w of m

v b loi wl n mw l nw oio eoi oa loi xef wfo eoe weoi usvo

oen ooi lka lew boi t efs {s jfoe gakoe" x oi ll vs ls" nl wfs

}k/

;/


18/43


. Leoe |le jfoe w t n lk oe ol

Ll leoe |le jfoe w t n l tkf w} {sko w}oi f tf oo jfoe w of lesoi

t eaw oi lk ll oio eoi" gakoe oiefx |o usw of }foi/ T tv ll le

w}oi" leoe |le lk oe ol lo xef oi o wel v |o usw jfoe gakoe

xew w}fo" b fs jfo lo wefw w l lew boi t efs {s lk ll jeao lea

tkv oio eoi/

. Ll vs w wefo wkf

Les j |o usw jfoe gakoe lk gakoe oiefx oefs jef nkoi woe wef t/ W}aoi

ll weoe xeo jfoe w oe ol we gakoe oiefx w}aoi ll oioe ooi. bn. oi

oiefx lefn nw w b jeoi oe" ll gakoe oiefx ov les oe eoi }w bo lk vs

w wefo wkf0 b bw" nk ma" eo eo Wefo wkf bn lea ll eaw oi |o usw jfoe

gakoe lk gakoe oiefx m ifo ao" oefs jef iv es {s }w us go o je ooi

eao w} ll jeao o b je jeo eal jeoi we w} l go o lew boi ll

jeao tkv ifn |w/



19/43


LEOI FF

WEL W]OI LEW BOI LEA TKV F TF GOTTO WF LEF

OEOE EAOI NKF. OEOO$XWOWTO

=/;/Iff wefs lesoi t lef oeoe Eaoi Nkf. OEOO$XWOWTO

=/;/;/ Ble | eoe weoe lef oeoe Eaoi Nkf

Wfo weo lk Oio eoi Ooi oiefx t Xew w}fo ooi weo oiv okv b Oio

eoi Xew w}fo Ooi oiefx Tfw Okn l weoe bx oiv =4!

;7!;;!;668" Le wle Ef oi M w}oi %okv b We woi Leoe xe& j [svw oe

| 788!LW weoe bx Oio eoi Ooi oiefx Tfw Okn wekv we Oio eoi Xew w}fo

Ooi oiefx Tfw Okn/ Oio eoi Ooi oiefx b Oio eoi weoi nf k ooi" eaw

oi le vs w}o boe tl ooi oiefx" ooi weo" b nw xex oeo" ele wao jfoe w

l bx" w le" w les w}le oefn t eaw oi lk noe w}l xex bsw/

Oiv ;3!;;!;664" l We woi Leoe xe v {svo" Weoi l Oio eoi

Oe ol Tfw Okn j [svw oe | =58![.OEOO f wo Oio eoi Ooi oiefx

Tfw Okn weoe Oio eoi Ooi oiefx t xew w}fo Ooi weo Tfw Okn/

N eoe w lel lk Oio eoi ooi oiefx t xew w}fo ooi weo mka in0W} | leoe" e weoi ll lef oeoe lx ;" ll lef oeoe lx = w}l wesl lef oeoe lx

; t e weoi ll xeoi ifka gle/

Oio eoi Ooi oiefx t Xew w}fo ooi weo lef oeoe Eaoi Nkf" l w} |

wf 5


20/43


=/;/=/ L ls w lel lk Oio eoi

Oio eoi ooi oiefx t xew w}fo ooi weo lef oeoe Eaoi Nkf b nw lef

oeoe lx =" wl b nw o t w}l wesl Oio eoi ooi oiefxQmka in ll lef

oeoe l oe ol ux eoi gakoe oiefx eoi = t ll lef oeoe lek l ux

eoi" l ll lef oeoe eaw oi eo le xe wesl t ll xeoi ifka gle w}l wesl/

L ls w lel m nv" {so b fs eoe lk lef oeoe Eaoi Nkf mka in0

Mko ifn l

*Mo gf in 9 xeoi lesvo no oiefx t

. Xeoi J eale. Jfoe gakoe0 lef w}le oefn t lefo bl jele eoi"

lefo bl esv oi to" iff xex xew w}fo to t {so b }f }a w}aoi boe tl oiso

to/

. Xeoi J wao t Oio {s0B xeoi w lel loi wl ele wao j wao ll

oiefx t jfoe w xew |foe wf Lef oeoe weca oi bsw j wao" ll to mo eoi go

lk M Wf leoe" Oio eoi Oe ol t OEOa$XWOW Tfw Okn/

.Xeoi Eoe leoe t Oeo |0B xeoi wel efo oefn t w lel m nv

eoe leoe" oeo | t loi wl {so w} to xeoi xel t eaw oi jfoe gakoe wf

Lef oeoe/.Xeoi Jfn w}k" jfn |aw of m0 B xeoi w lel wel efo jfn w}k" jfn

|aw weca loi" leoi w}oe loi wl jfn w}k lk Oio eoi t j eale lk o

t oen n ma ko wao w}aoi eaw oi jfoe gakoe/

. Xeoi Wekoe wao {sl w0 B xeoi wel efo ll oefn t bfo {sko o

wekoe wao {sl w lea jele eoi oe0 wekoe wao usw oex jes" nsk mo |l" oe

wes \l" xew eoe |l"//

.Xeoi Gle t t Nk}jcwfoi0 Xeoi ov l lel ooi b s nf wefw bx {skoe jele eoi" gsv w} t jeoi oioi n }oi nf {sko e f tf jele eoi w}o ww

l ll nw eaw oi" ww l ll |o xen oio eoi oen w l nl wfs xew w}fo

jfoe gakoe nw lle ko wao" efs {s t woi we xeo lk Lef oeoe



21/43


.Xeoi fo wao0 Wel efo loi wl w}fo jekf oi goi t loi oie weoi

wfo xel t ww lea eaw oi oiefx t lk Lef oeoe

=/;/


22/43


Le wfs w w}oi g o lea tkv GOTTO w}aoi woi g o b le wfs lea mfw {sv

n wo goi lk gakoe oiefx w}aoi woi g o wo goi oio eoi/ Ga " w ll |

bfs wes wex l l we oeo wev us eoi woi go lk w w}oi g o GOTTO

w}aoi oeoi on io v/ fs ov xeo oa we efo eaw oi wo goi f tf

GOTTO lk lef oeoe l ml xew w}fo je ww" l oeoi {sko wn o lea tkv

f tf GOTTO

/Moi =/=0 Wl woi w}oi g o lea tkv f tf GOTTO wf LO Eaoi Nkf.

OEOO$XWOWTO

o t 0 #

Le wfs On =885 On =886 On =8;8Wl woi w}oi g o lea

tkv lesoi

=


23/43


o t 0 w oi

Le wfs On =885 On =886 On =8;8Woi g o lea tkv GOTTO =59/


24/43


Mfs =/;0 L ls g o lea tkv GOTTO wf LO weca j eo o

o t0 w oi

=47/94;

7;3/645

38;/=86

==/483=;/535 =8/;9

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