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\YO@ C GE EO \GAGKN ACOG \ $ ^VO \Y ACOG LKNOG
HVO RO \\ O@GCZ
ZGO \EG \OG GOG GVS O@ REGK RNS RO \C O@O GO@ EO@
\GO@ RC\ OND $ EGC OGOG E DNV
@ck rco go` lo= Ucog rco |ge gco=
R \GS LO@ ZGNO RO ZG
DUUR=
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HC ED \\yko` uv| |gc `cno < od ge \yo` c ge Eo \g( fd e
~v \gs E en |yo` oc egvo` r ~v \gs e Agkn Acog | $ ^vo \y
Acog Lknog oc yco` |yvso | ogo` aco |ge w gc r aco |ge egvso
do r eo` ~v `c/ Ogo` aco |ge gv eg u |y |gog gog |yno` `cz
fd e |g r| ~vn ogo` ag ago( |g |geg |yko` eo` rce eo` og |yko`
eve uo` unv os/ Rc ogo` aco |ge |cz |gv |c og |yo` r eo` |e |ge
|co |yko` |gc `cno |ge |z |c O`o go` Eo` \go` E Dnv( o ons fd
gko |gog hvo ro || o`gcz/ E a| ~v h og u `cz |k ho en
~v \gs e r ee E( Eg( Nog( Eg |yko` O`o go`/
Fd wco ego |gog ed o=
$ ^v \gs e \yo` c ge Eo \g oc egvo` r ~v \gs e Agkn
Acog \ $ ^vo \y Acog Lknog oc yco` |o |og `co` ls r |yvso |
ogo` aco |ge ~v ik egk fd |yko` uv| < od ~vn/ e ic|( fd wco ego
|gog ed o E R \gs Lo` |o |og go` lo fd gko |gog hvo ro
|| o`gcz os/
$ Ino hog k( ee E( Eg( Nog( Eg O`o go` Eo` \go` E Dnv ogc| |og go` lo( `cz r |k cv aco |gvo hc egk fd |yko` uv|
|gc `cno |ge |z |c O`o go`/
Evc eo` fd wco aog ege ~v \gs e \yo` c ge Eo \g r
Ino @cd e eo` ee e( eg( nog( eg |c O`o go` Eo` \go` E Dnv
e ogcv ue agf( gog zge r hvo |gog | |yko` eo` |e eo` og |yko`
eve uo`/
O`s |go` od 9::7
Ucog rco |ge gco'A r `gc g |o#
\yno` cc
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HC END KNO
\c end kno yo` |c os h lk egog |c |ge gco( ee u hcv |gv |gz r
a| ~v zgo |eg |yko` |c h |yvo` |ge( |c ago` |yo` rc i| a |c o`gcoev agkn ge ok/
O`s |go` od 9::7
Ucog rco |ge gco'A r `gc g |o#
\yno` ccc
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DE HE
In///c
Hc end kno//cc
Hc ed |//cccOgo w| en e ~vno |ge |z///cr
Io ogo w| hvo ro || o`gcz c ge///r
De he//rc
Lnog de icv io`//cw
Lnog de gogw
Lnog ueg ee | rc| ||////////wc
EGO@ >= @CC \GCV//>
>/>/ \ RO O@GCO EV///>
>/>/>/ U eo |gc| en |c>
>/>/9/ Eo e agkn ge r |ge |co/9
>/9/ DE \CV O@GCO EV5
>/9/>/ De |cv |o` ~v|/5
>/9/9/ De |cv e |g//5>/5/ ZGD RC O@GCO EV//////////////////////////////////////////////////////////////////////////////5
>/5/>/ Ago` `cno////////////////////////////////////////////////////////////////////////////////////////////////5
>/5/9/ \gc `cno///////////////////////////////////////////////////////////////////////////////////////////////////5
>/5/5/ c |o` o`gco ev////////////////////////////////////////////////////////////////////////////////
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9/>/2/ Ee eg |cv og `c gcv ~v gvs o` ro r egk rns ro en O`o
go` \go` dc/////////// //////////////////////////////////////////////////////////////////////>5
9/9/ ZGO@ ZGZ O@GCO EV/>/ Zgo` zgz |gv |gz u hcv//>6
EGO@ 5= D\ U E CD E IO EN O@O GO@
EO@ \GO@ RC\ OND EGC OGOG E DNV>2
5/>/ AGC ^V\ E CD \ OGCO ACOG \ W GC EN \OG E
DNV/////////////////////////////////////////////////////////////////////////////>2
5/>/>/ e cd | ogco////>2
5/>/9/ e cd acog | $ w gc/>25/9/ AGC ^V\ R O@O GO@ EO@ \GO@ RC\ OND
EGC OGOG E DNV///>0
5/9/>/ ^v |yog gog |gog r zg| |yco//>0
5/9/9/ E ev | ege////////////////////////////////////////////////////////////////////////>3
5/9/5/ Ee hkc gog gk| o`//>3
5/9/
EGO@ / Zgo |eg u ico o` r e ev ro en O`o go`////////////////////////////9/ c rc egog ~vso n zgo`/////////////////////////////////////////////////////////////23
2/9/9/ c rc O`o go` Eo` \go` E Dnv/////////////////////////////////////////////0>
2/9/5/ c rc O`o go` Eo` \go` Rc| Ond///////////////////////////////////////////0>
\C HCV \GND AGK//////////////////////////////////////////////////////////////////////////////////09
\yno` rc
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LNOG DE ICV IO@
Io` 5/>=A\ ^V GK\ O@ ACOG LKNOG EN O@O GO@
EO@ \GO@ E DNV ^VN 5 OD '9::6 9::0#/9:
Io` = AGC ^V\ \OG GOG O@VO RO EN O@O GO@EO@ \GO@ E DNV ^VN 5 OD '9::6 9::0#9= U \O@ ^V\ EE O@GCZ R GK\ O@
ACOG LKNOG EN O@O GO@ \GO@ DC///2
Gog 5/>= U I DS \ EGE R ^VO H EN O@O GO@
EO@ \GO@ E DNV///>3
Gog 5/9= ICV A\ ^V ACOG LKNOG EN O@O GO@
EO@ \GO@ E DNV ^VN 5 OD '9::6 9::0#9>
Gog = ICV A\ EV O@VO RO EN O@O GO@
EO@ \GO@ E DNV ^VN 5 OD '9::6$9::0#///96
Gog
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LNOG UEG EE \ RC\ \\
OGE\ = O`o go` Eo` \go`
OGOO = O`o go` Og oe
VIOO = V ino ogo lo
\yno` cw
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EGO@ >
@CC \GCV
>/>/ \ RO O@GCO EV/
>/>/>/ U eo |gc| en |c/
| oe |n no` |yko` ~v |yog gc ogz( c dc r zg| |yco( oo acog |
Rc| Ond e ogcv egvso ico |eg ee( c uo` acog | o`s d| oo` enk/ Rc
ogo` |gog |v |yo( |g |yko` e u o` `z ago` og en o`og O`o
go`/ O`o go` rc rnc |y h o`c c rns r o`c egk rns e ogo`
egog ueg c dc |eg ee zg gz rc |og gog |ge |co( gvs o` |c n ee
o`vo |co ogo yc n rk hv |go` zg| |yco uo wv|/ Rce |k hz o`voro ago` ogo` `cz egk O`o go` | ege e dc gk| o` acog lknog d
eo `z zgo ~vno |yo` |yko` rce v | zg| |yco uo wv| acog lknog en dc
lknog o`gcz oc yco` eo` og u zg| |yco en |ko i oo acog | oc egvo`/
e ic| |yko` ogo` od `o s( ogv ev r ro en oo acog | h y| ho( lk
rnc |y en O`o go` o`s eo` ~vno |yo` |g gco ~vn gnc o`gcz r egog
h= gvs o` ee o`vo ro ogo yc |yko` ee | ege acog | r |yko` lo e( unv
zgo zgc hc o`vo ro os egk || e ee |gog zgo acog | e ogv ev uo
wv| acog lknog d| eeg gz h u lo` ro e gcv ~v( o`s eo` n oo
acog | | oe zg| |yco io ro` r o og/
\yko` gk| o` acog lknog en O`o go` |g gvs o` ro r egk rns ro
h gnc ~v |yog uko` uko` e dc ~vno g d| |gc|( i uvo` egk ognv/ O`o go`
eo gvs o` ro egk rns d dvo gvs o` e ogcv ro d yo` gk|
o` |o lo` en dog |g ee agko egk rns en O`o go` zgc | gcv ~v
enk e |g d ik e rce egc |y hc egk o`vo ro d dog gvs o`(
o` |gc eo` e ho` |co ageg go` hd egk g no |d agc `c |co rk
O`o go`/
D| age( gk| o` gvs o` ro ago` dno` hc hc ogvo |ye |cz egk
O`o go` ogo` o h gk| o` y| ~vno |yo`/ Og ego` |n ic|( d| O`o
go` |go` dc agc e ez zgz |gog hz zgc e ro cv h |gfk ~vs og/
\vs ogco ro cv h eg |c |y egk |c uo e og og |y u( ro zgo`( dsde |gc| i eo |gc| egk gk| o` eg egn ro O`o go` |ge gco ee
\yno` >
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gk| o` acog lknog og ez |o lo` r ee leg r O`o go` age/ e ro
zge r egk ee gk| o` os O`o go` zgc gvs o` ro | ageg go`/ Gk|
o` gvs o` ro( lk rs e o`gn y| ~vno |yo` c rc O`o go` eo` og
c rc ageg go`/ O`kc yn( eo d| gk| o` age ago` ad zgo ~vno
|yo`( h gk| o` egk rns ro/ Ov O`o go` gvs o` ro ogcv d egk
rns | lo o |og |yo` |gn ro |g u og go` o hc ogvo en O`o go`
gke O`o go` gvs o` ro | d ogv ev egk rns ogcv lo o |og |yo`
|gcv ro eo` og go` o hc ogvo en O`o go` gns oc egvo` h og
go` o gcv ~v gk| o` acog lknog/ Egog r rs |o` gcv ~v gk|
o` acog lknog en dog |g rce gvs o` ro r egk rns ro en ee O`o
go` |yko` oe oc egvo` r O`o go` Eo` \go` Rc| Ond egc ogog E
Dnv oc yco` eo e ~vo |y d| eeg || og|( d ik u gvs o` e
o`vo ro z o` ogv ev en oo acog | r egk rns ro e gcv ~v/
Lk ( rce zgo |eg( ~vo |y o`vo ro gvs o` r egk rns ro en O`o
go` Eo` \go` Rc| Ond egc ogog E Dnv h rce hd g| ue eo |gc|(
`z zgo og `c u zg gz r o`vo ro( eo` og |og gog egk rns ro en
O`o go` |yko` |gc a dc/ Egk oo fd ego |c Zgo |eg |og gog gvs
o` ro r egk rns ro |c O`o go` Eo` \go` Rc| Ond egc ogogE Dnv hd |c hvo ro || o`gcz/
>/>/9/ Eo e agkn ge r |ge |co/
z o` e ogv ev ro egk u zg| |yco en oo acog | oc egvo` r
acog | E Dnv oc yco`( |g rce gvs o` ro r egk rns ro en O`o go`
Eo` \go` Rc| Ond egc ogog E Dnv h d| |yko` ogo` ro ~vno |yo`
c rc oo acog | |og og( eo` og c rc gk| o` acog lknog en O`o
go`/
\ye sv ev ez ieg c dc |ko lco |gfk go` n zgo` gn( n
lo` gn dc hog re( dc o`og o`g( E Dnv r no` u zgc c d| rc
ogcv ag ago |g |geg1 r rs y| eo u ~vno |d g |y | ogcv o`vo age
ognv= Egog zg( n zgo`( ee | ege |o lo`|yko` e O`o go` Eo`
\go` Rc| Ond/ Go nc g|( rce v | en O`o go` Eo` \go` Rc| Ond
egc ogog E Dnv h eo |gc| ws lo` r zg| |yco |og og/ Og| h c rcd| |og eo o`gk og E Dnv |g ro ~vno |yo` en O`o go` h zgc gk|
\yno` 9
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o`( eo` og rce gvs o` ro r egk rns ro |g| gcv ~v/ E og rs dc
z o` e ogv ev ro uo wv|( acog lknog |yo n io/
>/9/ DE \CV O@GCO EV/
>/9/>/ De |cv |o` ~v|/
De |cv |o` ~v| en |c h zgo |eg og `c |og gog gvs o` ro r
egk rns ro |c O`o go` Eo` \go` Rc| Ond egc ogog E Dnv/ ~vn
|gs e ogo` |gog |v r ogo` d| eo go eg( |o |c yc | n yn d|
u `cc zgz ogd oo` enk gcv ~v gvs o` ro r egk rns ro |c O`o go`/
>/9/9/ De |cv e |g/
$ Agc ~v| a| ~v acog lknog en O`o go` ~vn 5 od '9::6$9::0#/
$ Zgo |eg |og gog gvs o` ro |c O`o go` Eo` \go` Rc| Ond
egc ogog E Dnv ~vn 5 od '9::6$9::0#/
$ Zgo |eg |og gog egk rns ro |c O`o go` Eo` \go` Rc| Ond egc
ogog E Dnv ~vn 5 od '9::6$9::0#/
$ n yn d| u `cc zgz ogd oo` enk gcv ~v gvs o` ro r egk rns
ro |c O`o go` Eo` \go` Rc| Ond egc ogog E Dnv/
>/5/ ZGD RC O@GCO EV/
>/5/>/ Ago` `cno/ |ce |ge gco |c O`o go` Eo` |go` Rc| Ond egc ogog E
Dnv( e |y u e |c u 3< H \go` Ac|( zgo` 0( |gog zg E Dnv/
>/5/9/ \gc `cno/
$ \gc `cno |ge gco |c h |gc `cno |ge |z |c O`o go` Eo` \go`
Rc| Ond egc ogog E Dnv( |yko` |gc `cno | o`s >>$ :9 $ 9::7 o o`s 96 $
:< $ 9::7/
$ Ee |go` |co( u hcv u lo` |yko` |c h ogo` u hcv zgo og ~v
|yog gk| o` en O`o go` ~vn in od '9::6 9::0#/
>/5/5/ c |o` o`gco ev/
\yno` 5
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$ |c os eg c uv rk o`gco ev gcv ~v gvs o` ro r egk rns ro
|c O`o go` Eo` \go` Rc| Ond egc ogog E Dnv ~vn in od '9::6
9::0#/
$ ^vn u hcv | Io` eo c a |ko( Ik ek |o` a| gk| o` acog lknog
en O`o go` |n |ge gco zgo |eg o`gcz r gvs o` ro r o`gcz r egk
rns ro( og= lknog u egk rns( lknog u |gv o( l o( o ~v go( ee eg u |c
egog///
>/
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ZGO@ ZGZ HVO " ZGO@ ZGZ O@GCO EV
9/>/ ZGO@ ZGZ HVO/
9/>/>/ \o` ~vno r O`o go` |go` dc/
9/>/>/>/ Agc ocd r O`o go` |go` dc/
\gfk zgz hog ee | ege |o lo` '>33:# en Rc| Ond |g O`o go`
|go` dc e og o`gn og unv=
O`o go` |go` dc h d| | ege acog lknog |co | d gk| o`
eg sv r |go` wvso h ogo |co `c en ageg go` rc |yeg ogcd gko |y
r u lo` u |co egk rns( |ge gco o`gcz r egc| agv r hd zgo`
|co |gnog |ko/9/>/>/9/ Ege oo` en O`o go` |go` dc/
O`o go` |go` dc e 5 ege oo` e io=
$ Ege oo` |yvo` `cno |c egog( ink `d |yvo` `cno |o lo` r |yvo` `cno
|gnog |ko `cn ee lknog o`gcz |yko` oo acog |/
$ Ege oo` |k |co( |e h ege oo` uo` |k yn i| | `z zgo `cn |o`
agc |co | egk oo acog |/
$ Ege oo` uo wv|( ink `d rce gvs o` r u lo` ee o`vo he
|k yn uo zgd r leg r O`o go`/
9/>/>/5/ Ee gk| o` acog lknog eg sv en O`o go` |go` dc/
\yno` 6
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Gog 9/>= U \O@ ^V\ EE O@GCZ R GK\ O@ACOG LKNOG EN O@O GO@ \GO@ DC
\yno` 2
Og oe oo acog | |g |yo`
Ee e ~vno og eg|c egog age
Ee OG\D acog lknog|yko` hog re |co |(
|o lo`
Ee lknog o`gcz gk| o`acog lknog |yko` hog re uo
wv|( hv |go`( leg r
Ee o`gcz r gk| o` acog lknog
O`gcz rgvs o` ro
>/ O`vo ro zg| ucog9/ O`vo ro ~vo h rgvs o`5/ O`vo ro c rns
\y |co `c( |co rns( egczg gk| o` acog
lknog
O`gcz rU lo` ro
O`gcz r |yvo` `cno(leg r o`o go`
>/ Egk rns9/ Egc| agv5/ v |( hco lknog
>/ Leg r |yvo` `cno9/ Leg r acog lknogro` ie( o`kc |5/ Leg r ogo s |ge
\gv hc |co rns( |cov |( hco lknog
\gv gkn go` | eeleg r |yvo` `cno
\o` egc zg \o` |gv
Hc ogvo |ye |gv en o`o go` |go` dc\gv |gv ogzlknog o`gcz
Hc ogvo yo`
Ee ~v o`o go`
eo`|y
|y
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9/>/9/ E ev ro en O`o go` |go` dc/
O`vo ro en O`o go` |go` dc h |ko i ee o`vo |co | d O`o
go` |k hz r gvs o` e v | egk rns r z o` egk ee ogv ev age
|yko` gk| o` acog lknog en O`o go`/ Ee o`vo ro en O`o go` |go`
dc ink `d= ro | e( ro gvs o`( ro rns ee | ege |o lo` age r ee
o`vo ro age/
9/>/9/>/ Ro | e 'ro eg u gv#/
Ro eg u gv h u ro |gve ~vso u gv en O`o go` |go` dc(
h o`vo |co e o` `z eg sv ic ogo` o`c eg O`o go`/ Ro eg u
gv en O`o go` `d 9 ez=
$ Ro ez > ink `d= ro cv h( ee ~v l |y r hc ogvo ago` egcn/
$ Ro ez 9 ink `d=
! @c |y |o` |gd en |c uo e og r `c |y |o` |gd en ee hkc
ego` agko v | e og `c hc |gfk ~vc og en zgz hv|/
! L zgo` egvo`/
!Ee |yc zgcv egvso c r d| u ee eo` e o age |gn do cv
aco lk O`o go` Og oe ~vc og/
9/>/9/9/ Ro gvs o`/Ro gvs o` |c n zgo` h o`vo ro eg sv en O`o go` |go`
dc( |ge eg| h |c uo io` |co en ee eg u gv d O`o go` |d |gc ~vo
h r u lo`( ogo` rc o`gn r gko |y az |gc r s agc ageg go` sv
ev/
9/>/9/5/ Ro rns ee | ege |o lo` age/
$ Ro rns ee O`o go` |go` dc age/
$ Ro rns | O`o go` Og oe/
9/>/9/
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$ Ro s |ge v |( |c |y en Egog zg gke en ee | ege |yko` r
o`kc oe egk ee ego` |yog( l o zg| |yco acog | ro gn w gc/
9/>/5/ Ee gog |ge gvs o` ro en O`o go` |go` dc/
9/>/5/>/ Gvs o` ro ~vn |c agko |co `c/
9/>/5/>/>/ \co `c en ee | ege acog |/
\co `c en ee | ege acog |= h u |co ogo yc zg| ucog |yko` ~v
|yog uo wv| acog lknog en g e `c |c O`o go`/ O ink `d d| i
zgo ro |co |d |gc ogo yc e `cc zgo` yn agc ~v |yog hvo egvso ro
ogo` egn e ogv ev u lo` gke lo` egk ogo` de |cv og uo |yko`
|o` hnc/
! \co `c ago` a go/
\co `c ago` a go= h hkc |co `c d agc `c rk( ageg go` `c |co
e |g y| yn i| e he ok d ago` eo zgc ik |ye egk O`o go`( r O`o
go` zgc |gn do sv ev en ageg go`/ Hkc |co `c os |vs ico o`
|go` wvso lk rce `c |co rk r y| |co yn e u egog heg r |gc `cno( u
ho`( oo |yo ee hkc |c agko os hvo e u l( O`o go` e |g gvs o`
u l hd o`vo ro |o lo` egk rns/
! \co `c e a go/\co `c e a go= h hkc |co `c d agc ageg go` `c |co rk e u
|gn |gvo r |gc go y| yn `cn O`o go` r ageg go`/ Og rs( |gfk
o`vso |e ageg go` `c |co eg e y| |co yn |gfk |gc go |gn |gvo/
\vs ogco( |yo |ge | lk sv | eog |ynog( |gv g| |co `c( ee O`o go`
|go` egk zgz ageg go` e y| |co yn |ye |gc go ogo` ago` e
go` hc uv| gke eg e go` hc uv| |gz go/
9/>/5/>/9/ \co `c en lo e/
\co `c en lo e= h d| i zgo |gv ogz io` |co en lo e `c |c
O`o go`/ \co `c en lo e ink `d=
! \co `c |c| acd/
\co `c |c| acd= h agko |co en e ogo e `c rk |c agko |co
`c |c| acd/ s h gog |ge gvs o` |yvso |go` en O`o go`/ e egcn
hd gnc hkc= |co `c |c| acd e a go r |c| acd ago` e a go/
\yno` 7
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
18/81
$ \co `c |c| acd ago` a go= h hkc |co `c |c| acd d ageg go`
e |g `c rk( hs yn i| a he ok ago` eo ik |ye egk O`o go`/ c
|o` `c eg sv h ogo` o`c |c| acd( log ld gv |yno` |yc ogo` egc
|cv eo |gc| o` |gc e d| agko hc `z zgo rk rce egc |cv go` |go`/
O`kc yn( c |o` `c e |g h ogo` o`c |gn |co ogo yc dvo `c rk
O`o go` |gv hc |e o` |gc ik d no |ko go `c |co og/
$ \co `c |c| acd e a go= h hkc gog e ogo `c |co e u |gk
|gvo r |gc `cno rc O`o go`( eg y| |co agc o |gc go |gk |gvo/ Eo
|yo` gz e ic| y| yn |ye |gc go |g hc uv| |gz go/ Hc uv| |co `c |c|
acd e a go ho go |co `c |c| acd ago` a go/
O`kc gnc hkc |co `c |c| acd |yo( O`o go` eo |gc| a ogo` hkc
|co `c |c| acd age og |c| acd |co eg( |c| acd e |go`( |c| acd no
agno` hd egk uo zgd hvo e c dc |gfk ogv ev ageg go`/
! \c agko |co `c e ogo/
\c agko |co `c e ogo= h e ogo d |c agko |co `c |c O`o go`
r |ge gco ee `cnk leg |gnog |ko ~vn O`o go`( de eg egog h ageg
go` go` ogo` |co eg en leg r O`o go`/
! \co `c age/\co `c age= |co `c ro egvso lo`( |co `c en ee | ege |o lo`
age
9/>/5/9/ Gvs o` ro ~vn zg| gog `cs | e `c/
O`kc rce gvs o` ro ~vn |c agko |co `c( O`o go` eo gvs o`
ro |go` ~vn zg| gog `cs | e `c/ @cs | e `c h ego` ogo en O`o
go` zg| gog gvs o` ro |yko` we ogo o`gn r |y o d| agko |co
|yko` d| |gc go og| og( cv aco |y hc r ee cv agko end a| age `cn
O`o go` r o`c dvn/
gvs o` ro o`o go( O`o go` zg| gog `cs | e `c o`o go ink
`d= a zgcv( ego` eg |co `c o`o go( |o zgcv r ee `cs | e `c o`o
go age/ Dvo gvs o` ro |yvo` r lc go( O`o go` e |g zg| gog a
zgcv( |yc zgcv r e zgcv/
\yno` 3
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
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9/>/// O`vso |e egk rns/
$ \co rns e u lo` o` de eg |gn |gvo |yo gz o` |o
lo`/
$ \co rns zgc e gko |y s e `e r hc o` go |gn |gvo
|yo gz o` |o lo`/
9/>//:
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
20/81
9/>/9 |go` o
2: |go`/
$ Egk rns lc go= ee agko rns e |gc go egk rns | |yo 2: |go` |y ho/
9/>//
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
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$ Egk rns |gfk go de |gv egc/
$ Egk rns gz ro/
$ Egk rns |gfk ee zgo` |ge age/
9/>//:/ Lknog u |gv o/
Lknog u |gv o= h || e ee agko |gv o d O`o go` |gv r ago`
zgo ic| |gc cd egk rns/
9/>/>/ L o/
L o= h eg |cv zgo og lknog u egk rns |c d| |gc cd we og d
O`o go` egn |gv gc hc/
9/>/9/ O ~v go/
O ~v go= h agko o d d| zgo gke |ko i o `e r gke hc
o go d ageg go` ago` e ag oo` |y o egk O`o go` d ago` e h
lk egog o`/ Agc O`o go` egvso | |c agko o uno` |c agko age `c
h |c agko o ~v go/ O ~v go e |og | ogd 9 o ogd 6/9/>/6/ A| ~v gk| o` acog lknog en O`o go` |go` dc/
9/>/6/>/ \gv ogz/
O`o go` |go` dc |go` e ogo` agko |gv ogz unv s=
$ \gv r gk| o` acog lknog= |gv hc egk rns( |gv hc |co `c( |gv hc go
ro( dvn e zgo( |gv r acog lknog ro` ie ~v( |gv r acog lknog o`kc |(
|gv r v | ego` agko( |gv r leg r O`o go`/
$ \gv age r gk| o` acog lknog= Og |gnog h |c uo( |c uo |gn eg
w h |yko` acog lknog( ee agko |co zg| |gfk ~vs eg
9/>/6/9/ Egc zg/
$ Egc zg oc egvo` h u gnk zg |g gco io` |co |yko` ~v |yog acog
lknog rc dko` dvo dno` r d| uo zgd( leg r gko |gog gke d| a|
~v acog lknog og| og/ Egc zg zg| ucog |yko` ee gk| o` uo wv|( |go`
dc( leg r ogd o rce | e de |cv evc eo` en O`o go` h lknog|gv r hc ogvo/
\yno` >9
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
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$ O`o go` |go` dc |go` e ogo` agko egc zg unv s= egc |y hc
|co rns( |co `c( egc r leg r( egc r |c uo( egc ~vo h( egc age/
9/>/6/5/ Hc ogvo/
Hc ogvo h agko egog heg `cn |o` |gv ogz |gv e r ee agko egc
zg i yn zge r egk rce |ge gco gk| o` acog lknog |yko` d| |gc a
og| og/
Hc ogvo 4 Lknog |gv Egc zg
9/>/2/ Ee eg |cv og `c gcv ~v gvs o` ro r egk rns ro en
O`o go` \go` dc/
! Ro gvs o` |yo |o` o`vo ro/
Ro gvs o`Ro gvs o`+\o` o`vo ro 4 w >:: &
\o` o`vo ro
Eg |cv os zgo og ag oo` gvs o` ro en O`o go`/ c rc
O`o go` |go` dc eg u os eo` enk egk |gs gk| o` en O`o go`
eo` gcv ~v/
! \o` l o |yo |o` o`vo ro/\o` l o
\o` l o+|o` o`vo ro 4 w >:: &\o` o`vo ro
Eg |cv os zgo og de |z |yvo` ro |o lo` en O`o go`( eg
|cv os eo` enk |g de gk| o` en O`o go` eo` o og r e gcv
~v/ @cz og ~vo h we og ~vs d gk| o` acog lknog en O`o go`/
! \o` l o |yo |o` ro gvs o`/
\o` l o\o` l o + \o` ro gvs o` 4 w >::&
\o` ro gvs o`
Eg |cv os egk ic| d| o` ro d O`o go` gvs o` e |g e
ink ogcv o` fd egk rns/ Ov eg |cv os ho |g ro gvs o` |gnd `cn rk
l o |/ G u os k ho` gcv ~v u lo` o`vo ro gvs o` en O`o
go`/
! G u |gv o/Lknog u |gv o
G u |gv o 4 w >::&Lknog u egk rns
\yno` >5
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23/81
Eg u os zgo og gn| o` |gv o en O`o go` rc gk| o` egk
rns/ O egk |gs |og gog gk| o` en O`o go` e | gcv ~v gns ago`/
Ov g u |gv o enk |g ag oo` |gv gc ro en O`o go` ognog( gcv ~v
gn| o` en O`o go` h ||/ O`e hc( ov g u os |gz( cv egk |n ic|
e o ~v go en O`o go` o`s eo` |o` zgo og a| ~v gn| o` en
O`o go` h |gz/
! Ro` ~vns ro/Lknog u |gv o
Ro` ~vns ro |o lo` 'ro`# 4L o iog ~vo
\yko` l o iog ~vo e |og |gfk eo` |ge unv=
L o v a ! L o evc a
L o iog ~vo 49
Eg |cv os k ho` |e hvo egvso ro |o lo` en O`o go`(
zgo og u ro v | e ~vns ro` ognog gns egd/ Ov u ho ro` ~vns
ro |o lo` eo` enk |g o` ro en O`o go` ~vns eo` ognog( hvo egvso
hco |e | gcv ~v enk/
! O ~v go |yo |o` l o/
O ~v go O ~v go+\o` l o 4 w >:: &\o` l o
Eg |cv os zgo og gcv ~v |o lo`r eg| ho` |o lo` en O`o
go`/ \go` |go` eg u os lc de 6& |g gk| o` acog lknog en O`o
go` iog |go`( eg u os eo` og |g eg| ho` |o lo` en O`o go` eo`
enk/
9/9/ ZGO@ ZGZ O@GCO EV/
9/9/>/ Zgo` zgz |gv |gz u hcv/
$ \gv |gz u hcv |go` ~vn g u hv |y en zgo` acog lknog r zgo` a
|ko( o` |gc |gnd agk aco en ee e eg( nog eg |yko` ee zgo` ino |c
O`o go`/
$ \gv |gz u hcv |go` ~vn ee ik ek O`o go` og= io` eo c a
|ko( io` a| ~v gk| o` acog lknog( e ev o`vo ro en O`o go` ~vn
ee od 9::6 9::2 9::0/9/9/9/ Zgo` zgz zgo |eg u hcv/
\yno` >
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8/2/2019 PHN TCH TNH HNH HUY NG V CHO VAY VN TI NGN HNG CNG THNG VIT NAM - CHI NHNH C MAU
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- Zgo` zgz uk uog=
$ Zgo` zgz uk uog u |o` c=
! U |o` c o` |gc '= |gs a| ~v r gnc de en eo`
d| eg |cv gnc od/
! U |o` c a| ev= lo` we og | |yo` en |o` i zgo ev
|gog oo |o` |g/
$ Zgo` zgz uk uog u |vs| c= |gs e de |o` |yo` ~vn
ee od/
- Zgo` zgz eg u r g u= d| u eg |cv og `c gcv ~v en gk|
o` gvs o` ro r egk rns ro/
EGO@ 5
\yno` >6
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25/81
D\ U CD E IO EN O@O GO@
EO@ \GO@ RC\ OND $ EGC OGOG E DNV
5/>/ AGC ^V\ E CD \ OGCO $ ACOG \ $ W GC EN
\OG E DNV/
5/>/>/ e cd | ogco/
E Dnv h |og |gve egv |g o` io` uo` Ev Hko`( od r zgn ee
Ond en Rc| Ond( gog lo` `co` eg R( og d| io k e 5 d| `cz rc
ico/ Zgn Ie `cz |og Aco @cno`( zgn o` Ie `cz |og Ie Hcv( zgn
o` r o` Ond `cz rc Ico o`( zgn \s `cz rc rog \gc Hno/ Lco
|eg | ogco 6/9>> ad9
( n gog io` zgo` |gvo og| h o` io`( | nc zgogcv( uo` o`c ego` eg|/ Go` od zgn \s ro` Dc E Dnv ic yn ico
|yo 6: d|/ O`kc ico e k Go Agknc( Go Egvc( Go Io` r Go
Ie/ Ag gv E Dnv o gk |gve ro` eo weg k( ogc| c `c dn( e 9
dn dn oo` y y|( ago` i og go` en h r | e ik/
5/>/9/ e cd acog | $ w gc/
- Agc ~v| |og gog acog | $ w gc=
Od 9::2( |og gog acog $ | w gc |cz |e o og r zg| |yco1 e ev
acog | no` egvso leg |gfk go` |o` | |yo` eo` o`gcz r leg r( hog
re ro gn w gc e |co i( c uo` ogo lo e ec |gco( ~ve zgo`( no
ocog e |o` eo` r `c ro`/ \o` uo zgd |yko` |og '@LZ# |o` >>(7&(
|yko` o`$oo`$hd o`gcz |o` >:(>&( eo` o`gcz$ws lo` |o` >>(6&1 @LZ iog ~vo v o`c |o` o` 2&/ Lco |eg |yo` ynv
dv( es o |yc( es dn eo` |o` ag lk `c e r |cv |g |gvo hc oo agvso ageg ogcv g oo` lo |o` `cn uo wv|/
\yno` >2
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26/81
Hog re |go` dc zg| |yco ag( go` gk zgko` zg( z o` sv ev
|cv lo` r uo wv| acog lknog/ \vs `c e e ico o` |o` d| u d| go`(
ogo` e ~vo h ag || oo ago` ws yn agno gcd go` gk r |o` `c
| ico( |k |gvo hc egk uo wv| acog lknog zg| |yco( ue dvn io |yko` w
gc |o`/ \o` de hv egvso go` gn w gc | 9>/::: | o`1 |yko` io
h 3/::: | o`( |o` >3&1 eg u `c go` gn r leg r |cv lo` |o` 7(9& uk
rc eo` a od |ye/
- o r gog egog=
n `cc gog egog e egcn |gog 7 gvso r > |gog zg1 e 30 w(
zgo`( |g |yo1 72: z( agd/ \gog zg E Dnv h |yvo` |d |og h od |yo
|ye ~ve h CN r ~ve h 25 e o`gn egco he e r acog |( ~ve zgo`/
- Lo u=
Lo u E Dnv e >/9::/::: o`c( zgo i |o` c v( d| |yvo`
iog 95: o`c+ad9( o`c Acog egcd 30& lo u( eo hc h o`c Agdfy(
o`c Gkn r d| u lo |e | o`c age/ Lo u |yko` |vc hnk o` egcd
2:&( n u h hnk o` |y( eo e( e |g z o` ogv ev egk ogcv hog re
- Hnk o`=
U o`c |yko` |vc hnk o` h 05:/::: o`c( egcd 2:& lo u1 |yko` he ho` hnk o` gk| o` |yko` oo acog | e 2>:/::: o`c( egcd
6:(75& lo u r egcd 75(62& hnk o` |yko` |vc/ Hnk o` `co o egcd
79& he ho` hnk o`/
5/9/ AGC ^V\ R O@O GO@ EO@ \GO@ RC\ OND
EGC OGOG E DNV/
5/9/>/ ^v |yog gog |gog r zg| |yco/
Lk sv ev zge r egk u o`gcz zg| |yco acog | en |og Dcog Gc'ons
|gve |og E Dnv r Ie Hcv# r eo` rc u ho dog en g |go` O`o go`
Eo` \go` Rc| Ond |yko` zgd rc e oe( o`s>< |go` 0 od >377( \go`
e O`o go` Eo` \go` Rc| Ond yn ~vs| og u 67+\EEI r rce
|gog hz egc ogog O`o go` Eo` \go` |og Dcog Gc r i| v c rk gk|
o` | o`s :> |go` >: od >377/ Unv agc |eg |og Dcog Gc |gog gnc |og E
Dnv r Ie Hcv |g egc ogog O`o go` Eo` \go` E Dnv egog |ge e
\yno` >0
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|gog hz |gfk ~vs| og u >6+OGE\ ^ o`s >0 |go` >9 od >332 en Eg
|eg Gc o` ~vo |y O`o go` Eo` \go` Rc| Ond/
O`o go` Eo` \go` Rc| Ond egc ogog E Dnv h d| |yko` 02 egc
ogog ez C en O`o go` Eo` \go` Rc| Ond( e |y u e |c u 3< H
\go` Ac|( zgo` 0( |gog zg E Dnv/ Rc |o `c h RCF\COINOA EN
DNV( h lknog o`gcz ~ve lknog acog lknog |yo hog re |co |( e c lco
zgz ogo( e eko lv yco`/ O`o go` Eo` \go` Rc| Ond egc ogog E
Dnvh d| |yko` ogo` O`o go` |go` dc Og oe ho en |og r `c d|
r |g ~vno |yo` |yko` g |go` O`o go` |go` dc Og oe rc ege oo`
acog lknog |co |( |o lo`( leg r O`o go` r `z zgo ~vo h hv |go` |co
| |yo n io |og E Dnv/ \yko` >5 od gk| o` egc ogog O`o go` Eo`\go` E Dnv e ogo` ie |yo` |gog ag ro` ege/ D yo` egk rns
c rc ee hog re acog lknog( |gog zgo acog |/ \k dc cv aco egk ee
o r e u acog | e |gd o`vo ro d yo` gk| o`( `z zgo `cc
~vs| eo` o rce hd egk o`c |c n zgo`/
5/9/9/ E ev | ege/
\yno` >7
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28/81
O`o go` Eo` \go` E Dnv ws lo` d| e ev | ege i ds
~vo h gc gk zg| gvs |c n o`vo he r hc |g en dog ogd gk| o`
e gcv ~v/
Gog 5/>= U I DS \ EGE R ^VO H EN O@O GO@
EO@ \GO@ E DNV
5/9/5/ Ee hkc gog gk| o`/
z o` ogv ev r u zg| |yco en oo acog | |g |yo` o` |gc
ogd fd hc hc ogvo( O`o go` Eo` \go` E Dnv d yo` r n lo`
gk ee hkc gog gk| o` e |g og unv=
$ Gvs o` ro io` o` Rc| Ond r o`kc |/
$ Ogo |co `c |c| acd( |co `c ago` a go( |co `c e a go en ee
| ege acog |( e ogo |yko` r o`kc oe/
$ \ge gco ee o`gcz r ed e( |g egz |c uo( ik hog( acog lknog
o`kc |(/
$ Egk rns o`o( |yvo` r lc go c rc ee lknog o`gcz( ee | ege
acog |( ee e ogo e ogv ev rns ro/
$ Ee gk| o` leg r= leg r |gnog |ko wv| ogz agv( leg r |g(
leg r |gnog |ko egvso |co r acv gc( leg r egc |co d|(
$ Ee gk| o` age/
5/9/3
@CD E
Zg @cd e Zg @cd e
Zgo`AL
Zgo`@cnk leg
Zgo` ALc o`kc
Zgo` \\O`o ~v
Zgo`A |ko
Zgo`Acd uk|
Zgo` \ egegog egog
Zg @cd e
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E Dnv ~vn 5 od '9::6$9::0#/
H > |og eo o`gk( |g ogo` |e zg| |yco en ee | ege |o lo` |yo
n io y| ognog( ogcv O`o go` yn c lo o z he eog |ynog en O`o
go` Eo` \go` E Dnvh y| ho/ \vs rs( rc u eg k uo` uv| en Ino
@cd e r u o he zgo v en |ko |g eo i eo` ogo rco egc ogog
|yko` rce |yco agnc |ge gco || ee eg |yo`( egog ueg d |yko` 5 od
~vn egc ogog gk| o` y| e gcv ~v( `z zgo s ognog |e zg | |y co
acog | w gc |og E Dnv/
Io` 5/>=A\ ^V GK\ O@ ACOG LKNOG EN O@O GO@
EO@ \GO@ E DNV ^VN 5 OD '9::6 9::0#/
o r |og= \ycv o`
Eg |cvOd
Egog heg
9::2+9::6 9::0+9::2
9::6 9::2 9::0 \vs|
c\o`c'
\vs|c
\o`c '
Lknog |gv 70/5:5 >>0/292/296 5:/599 >96/>97 9 >7/::2 >2(7>
Hc ogvo :/692 >/
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:
9::::
:::::
>9::::
>
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$ \y u hd rce e oo` ez( e ic| h Zgo` `cnk leg \yvo` \d
e oo` ez( ec |krc ogo` |yno` |gc| i ds de gco c( eo` o`g |co
|co/
$ c o` eo i ogo rco e |yog egvso do( |cog |go |yeg ogcd r
ko a| `cz ognv |yko` eo` rce1 ino hog k |o |d( a eo` r e |yeg
ogcd( `cz ogo rco |k oo d| agc ko a| ro` dog `cn hog k r
ogo rco `z zgo egk gk| o` egc ogog gcv ~v enk( O`o go` o`s eo`
zg| |yco ro` dog/
5/9/6/9/ Ag ago/
Io eog ogo` |gvo hc |yo( O`o go` Eo` \go` E Dnv eo `z
zgc ogo` ag ago og=
$ \gco |nc( leg iog( rce z lo` agkn ge a |gv| ad zg| |yco |yko`
oo` o`gcz( |gs uo eo` `s og go` egk O`o go`/
$ \ge gco e eg d ik |co rns |gfk o`g og en Egog zg eo
ogcv ag ago( c rc ogo` l o |yvo`( lc go e ogv ev ro ho zgc e
ro | e 5:&( O`o go` eg egk rns |c n 0:& `c |y |c uo d ik( |yko`
agc |ge | ageg go` rns ro e `c |y |c uo d ik de |gz oo ageg
go` rns ago` cv aco d yo` uo wv| acog lknog/$ Ee lknog o`gcz eg ico wv| agv |gs uo agc ageg go` eg he
en O`o go` Eo` \go` E Dnv rn zgc hk ego` rc r aco ego` io
zg `c en D hc rn zgc c d| rc yk eo acd ago` ucog o`gcd o`| en
|g |yo` Og|1 ogcv lknog o`gcz i |y go` lk ogcd ago` ucog( hd egk |og
gog |cv |g go` |gs uo |g |yo` Og| |gcv o og/ \vs ogco gco ons
ee lknog o`gcz v age zge e |og gog os r zgc gz || rc ee
og ogz agv en Og| acd go` |c og ds( |yog |og |yo` i |y go` rn
|o ad egc zg rn d| vs |o/ O`kc yn( ag ago ink |yd |yko` ogo` od ~vn
h |og |yo` |gcv o`vso hcv en gv g| ee og ds( eg gk| o` 2:& eo`
uv|( lo o eog |ynog dvn o`vso hcv( eo` hd egk | oo id egeg |z eg|
zge |z go( eog |ynog |gv g| eo` ogo eg ico(//\og gog os og
go` o l o o`o go en egc ogog ago` o og r hvo de lc a
gkeg \yvo` o` `cnk/
\yno` 99
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$ Eog |ynog ~v `ns `| ee O`o go` \go` dc |yo n io( ogcv egc
ogog O`o go` oe o`kc( O`o go` \go` dc age z lo` ogcv ico
zgz hc ak ageg go` en O`o go` Eo` \go` og= g |gz hc uv| egk
rns( zg leg r( g |gz cv aco |o lo` egk rns ago` e |c uo ik d( egc
gkn go` dvn o`kc | r| |yo O`o go` Og oe( egc gkn go` egk eo i
|ye |cz `cnk leg |gnog |ko r egc| agv i ego` | go` wv|( |yko` agc
O`o go` Eo` |go` Rc| Ond ago` e e eg egc ogog |ge gco rce
os( | `s ag ago |yko` rce `c r d yo` ageg go`/
$ \og gog ovc |d en i eko oo` lo lo |cz |e |gvn h lk |d eg|
ak lc( hd zg| ucog o ~v go go` hkc1 d| u lknog o`gcz eo` o ~v
go zg| ucog enk( og go` wv o eg| ho` |o lo` r zgc |yeg l zgo`
yc yk ho( `cd geg |ko en egc ogog/
EGO@ / Zgo |eg u ico o` r e ev ro en O`o go`/
O`vo ro c rc dc O`o go` v `c d| rnc |y y| ~vno |yo`( u
|o` gns `cd en o`vo ro v og go` o gk| o` en O`o go`/ Eo
e rk u ico o` en o`vo ro ego` |n e |g |gs e e ev o`vo ro
og rs h gz h gns ago`( r | eo` e |g |d yn d| a| ev || go egk
o`vo ro en o`o go`/
A| ev o`vo ro en O`o go` ink `d=$ Ro gvs o`/
$ Ro cv gn/
Io` = AGC ^V\ \OG GOG O@VO RO EN O@O GO@
EO@ \GO@ E DNV ^VN 5 OD '9::6 9::0#/
o r |og= \ycv o`
O`vo roOd
Egog heg
9::2+9::6 9::0+9::2
9::6 9::2 9::0 \vs|
c\o`c'
\vs|c
\o`c'
Ro gvs o` 999/:59 526/3 579/7>6 >/597/ >/>:7/ 35>/00> $9>3/30: $>2(62 $>02/0>: $>6(3/66://63/752 $>:(76 |ycv o`( |o` >2/70< |ycv o`( |o` o` & uk rc od 9::0/
Unv s h e |g |o` agko de og unv=
$ \co `c en ee lknog o`gcz= |co `c lknog o`gcz o` rnc |y ~vno
|yo` |yko` |o` o`vo ro gvs o`( hvo egcd | |yo` enk |yko` |o` ro gvs
o` en O`o go`/
Io` /202 30/60: $>7(2>
$ \co `c ago` a go 69/3:2 27/6:7 69/5>< >6/2:9 93(2/>3< $95(2 96 >0/>9> >36(99 $>/502 $6(59
'O`vo= zgo` acog lknog#
Od 9::6 |co `c lknog o`gcz e u l h 2>/202 |ycv o`( egcd |
|yo` h 90(07& |yo |o` o`vo ro gvs o` en O`o go`( d |yko` eg
sv h |co `c ago` a go/ Uno` od 9::2 hkc |co `c os | 30/60: |ycv o`
uk rc od 9::2/ O`vso ogo hd egk |co `c lknog o`gcz egcd | |yo` enk
|yko` |o` ro gvs o` ~vn ee od h lk O`o go` |k e ho` |co egk
ageg go` og| h ageg go` h ee lknog o`gcz( ee eo` |s( O`o go`
evo` ez r n lo` gn gog |ge |gnog |ko | hc ak r |gv g| e ogcv
lknog o`gcz `c ro hv o` en dog rk O`o go` zge r egk rce
|gnog |ko/ s eg sv h |co `c |gnog |ko ago` r de eg hc ogvo oo ul |o` c enk ogo` ago` o og/
\yno` 93
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$ \co `c |c| acd= |co `c |c| acd h zgo |co ogo yc |yko` lo e(
O`o go` gvs o` e | agko os |o` y| dog ~vn 5 od r e | |yo`
y| enk |yko` |o` o`vo ro gvs o` en O`o go`/
Io` 77/:7(2> 53/75/079 99 >>5(26 (39
'O`vo= zgo` acog lknog#
Od 9::6 gvs o` |co `c |c| acd egcd (6>&( r od 9::0 egcd 63(677/57 |ycv o` rc |e |o`
>:7(2>& uk rc od 9::6 r |cz |e |o` dog rk od 9::0 rc u |co gvs
o` e h 990/3 |ycv o` rc |e |o` >>5(26& uk rc od
9::6/ \co `c |c| acd e a go en O`o go` |cz |e |o` dog rk od
\yno` 5:
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9::0( u |co gvs o` e h 99(5/:60 |ycv o` uk rc 9::6( ogo`uno` od 9::0 hc `cd og h 2//62(69& uk rc od 9::2/ |gvo |co egk rce |gnog |ko ~vn hc rc
ognv |g ee | ege |o lo` d |c agko |co `c O`o go` z o` ogv
ev acog lknog lknog/e ic| od 9::0( |co `c en ee lknog o`gcz |o` |
ico rc |e 9>62(69& uk rc od 9::2( o`vso ogo h lk od 9::0 gk|o` wv| agv en ee eo` |s eg ico |gv uo |o` ognog lo o rce |gnog
\yno` 5>
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|ko |co `cn ee | ege |o lo` rc O`o go` Eo` \go` E Dnv |o` egk
oo rce `c |co en ee | ege |o lo` |c O`o go` Eo` \go` E Dnv
|o` dog |gnog |ko |co wv| agv/
Ogo egvo`( eo` |e gvs o` ro en O`o go` ~vn 5 od e |ge
gco y| ||/ A| ~v og rs h og rk u o he en |ko i eo i ogo rco
O`o go`( eo` rc rce o`c lo |ge e hc eg en rce `c |co/ \vs
ogco( |yo n io e y| ogcv | ege |o lo` rc ogcv zgo` |ge gvs o`
y| zgko` zg r hc uv| y| gz lo oo lvs |y r `cn |o` ro gvs o` |yko`
od |c( O`o go` eo e a gkeg r ico zgz gvs o` || go on `c
e ageg go` |yvso |go` r d yo` ageg go` dc( |o` ro gvs o`
z o` ogv ev ro o`s eo` enk en ee |gog zgo acog | |yko` r o`kc
|gog zg E Dnv/
/5/ Zgo |eg gcv ~v gvs o` ro en O`o go` ~vn ee eg u/
ic| |gd gcv ~v gk| o` gvs o` ro en Egc ogog O`o go`
Eo` \go` E Dnv( |n eo wfd w| d| u eg u unv=
\yno` 59
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Io` 7&( uno` od 9::0 `cd wvo` eo
0:(77&/ \ h os `cd egk |n |gs egcv go` |eg ee |yko` eo` |e gvs o`
ro en O`o go`/ Rc o`vo ro cv gn | \yvo` o`( O`o go` e |g u
lo` hcog gk| go |yko` gk| o` acog lknog r |gc go |y ro o og r
O`o go` e |g ~vns ro` |cz |gfk agc ro eo acog lknog/ D| age( go
eg en rce u lo` ro cv gn h hc uv| ro cv gn eo de enk/ Egk
\yno` 55
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oo u lo` ro cv gn ogcv u og go` |ye |cz o hc ogvo en egc
ogog/
H d| Egc ogog( u g |y en O`o go` \yvo` o` h ago` |g |gcv/
\vs ogco u || go egk O`o go` ov e |g | eo c ro |c eg io` eeg
|o` eo` go on ag oo` gvs o` ro en dog/ Og rs u |k egk O`o
go` |g eg o` |yko` acog lknog( e ag oo` evo` ez s ( az |gc r
ognog ego` ro egk ageg go`( og| h agc e ogv ev i uvo` |gcv g| en e
ogo( lknog o`gcz no` `cn |o`/
e# \co `c lknog o`gcz |yo ro gvs o`=
Ee O`o go` d agko de |gnog |ko ogd `cz egk rce acog lknog
e ognog ego` ic rce egc |y | |o ad egc zg/ Oc egvo` o`vo ro os
ago` dno` |og o og c rc O`o go` r ee | ege acog | e |g y| yn agc
eo |gc|/ R rs O`o go` eg e u lo` d| | h og| og ok |ge
gco rce acog lknog |co |/ \ h en |co `c os |yo ro gvs o` od 9::6 h
90(07&( od 9::2 h 96(03&( od 9::0 h 9:(:0&/ Rc u ho` ho ee lknog
o`gcz |yo n io |g |cd oo` |gv g| |co `c lknog o`gcz h y| ho( |vs
ogco rc | h og |yo |g egc ogog egn agnc |ge || o`vo |co `c rc egc zg
|o` c y os/l# \co `c |c| acd |yo ro gvs o`=
\co `c |c| acd y| l i |gv g| ic hc uv|/ \yko` |yo` gz eo |gc|
|o` o`vo ro egk gk| o` O`o go`( ov z lo` de hc uv| gz lo go
ogo` O`o go` age |g e |g |gv g| ageg go` |co `c hkc os/ \ h os
e u ico c |o` lo ~vn ee od og unv= od 9::6 h (6>&( od 9::0 |cz |e |o` ho 63(6
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\d hc( ~vn rce wfd w| ee | u |yo |n |gs yo` ag oo` gvs o`
ro en O`o go` egn enk ogo` e egvso ico ag ||/ O`o go` eo e
`o` go on oo` enk | |yo` os ho( gvs o` e o`vo ro z o`
ogv ev en ageg go`/ R r |yo n io e ogcv O`o go` eog |ynog gvs
o` ro oo rce d yo` |gd gog |ge gvs o` |gv g| |gd ageg go`
h r eo` eo |gc| c rc u |o |c r zg| |yco en O`o go`/
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Io` :(20Lknog u |gv o 6/>96/620 6/620/7>7/7>9 />63/>:5 >/>:9/57> $>:2/3>2 $7(
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Gk| o` egk rns hvo h ro |yo` |d en O`o go`( `z zgo |ge
s uo wv| zg| |yco( o` |gc |k o`vo hc egog egk O`o go`/ Rc o`vo
ro gvs o` e( O`o go` s dog eo` |e v | egk rns o ee
|gog zgo |yko` oo acog |/ O`o go` n yn ogcv e eg |o lo` zg gz
|k ie egvso ico dog d |yko` gk| o` |o lo`( eg o` |d acd
ageg go` v | egk rns( egk rns ee l o dno` |og ag |gc dno` hc gcv
~v acog | enk/
n# Lknog u egk rns |gfk |gc go |o lo`/
~vo h || gk| o` egk rns en dog( O`o go` zgo lknog u egk
rns |gfk |o` ogd og= egk rns |gfk |gc go( |gfk |gog zgo acog |(//Zgo
lknog u egk rns |gfk |gc go h eo` |e d dc O`o go` v |ge gco/ Gk|
o` egk rns en O`o go` zgo |gfk |gc go lco yn rc |og gog unv=
\yno` 50
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Io` 92359>75::::::
9::::::
5::::::
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$ \n |gs egk rns o`o go hvo egcd | |yo` ho |yko` |o` lknog u egk
rns en O`o go`/ Od 9::6 egk rns o`o go | 6/925/0:6 |ycv o`( egcd
30(0:&( e ic| |yko` od 9::2 lknog u egk rns o`o go |o` 966/2>3 |ycv
o` uk rc od 9::6( egcd |yo 30(3:& |yko` |o` lknog u egk rns( ogo`uno` od 9::0 hc `cd og eo 3 |ycv o`( egcd 3>7/57 |ycv o`(
|o` o` :& |yko` |o` lknog u egk rns/ e ic| od
9::0( lknog u egk rns |yvo` r lc go |o` ag enk( |o` >65:(39& uk rc od 9::2/ Lknog u egk rns |yvo` r lc go |o`
dog |vs ogco | |yo` egk rns |yvo` r lc go |yko` |o` lknog u egk rns ro
eo |gz/ Lk e u |o` og |yo h lk |og E Dnv egvso leg e ev acog | |
oo` o`gcz uno` eo` o`gcz r leg r oo c gc eo zgc e |gc `cno dc
|gv gc e ro( lk e ogv ev rns ro |yvo` lc go enk/ D ee lknog
o`gcz e |gog hz s o`s eo` ogcv ogv ev r ro |yvo` r lc go en
g y| ho/ De l rs( oo acog | |c E Dnv zg| |yco egn dog oo g eo fo`c |yko` rce rns ro O`o go` v |/
i# Lknog u egk rns |gfk |gog zgo acog |/
gk| o` v | en O`o go` | gcv ~v r e |g og `c egog
we |og gog egk rns en O`o go`( o`kc rce zgo lknog u egk rns |gfk |gc
go |g rce zgo lknog u egk rns |gfk |gog zgo acog | h ago` |g |gcv
e/ c |o` egk rns en O`o go` `d= Lknog o`gcz Og oe( |gog
zgo acog | o`kc ~ve lknog/
\yno` 53
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Io` := LKNOG U EGK RNS \GFK \GOG ZGO ACOG \/
o r |og= \ycv o`
\gog zgo acog |
Od Egog heg9::6 9::2 9::0 9::2+9::6 9::0+9::2
U |co\ |yo`
'U |co
\ |yo`'
U |co\ |yo`
'\vs| c
\o`c'
\vs|c
\o`c '
$ Lknog o`cz Og oe >/>57/220 9>(>5 >/:59/7>3 >7(59 7:9/6(3< $>:6/7
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$ Egcd d| | |yo` agcd |o |yko` io` u hcv h egk rns c rc
lknog o`gcz Og oe/ O`vso ogo h lk |gog zgo acog | Og oe |og
zg| |yco egd( rc u ho` |/ \yko` ( n u h hd o |gvn h( eg e rc
lknog o`gcz hd o e gcv ~v r e ag oo` |y o rns || egk O`o go`/ Lk
rsO`o go` Eo` \go` E Dnv zgc hn ego( wfd w| a ho` ogo`
lknog o`gcz Og oe e |yco ro` zg| |yco o og ~vno g |o lo`(
ogd de eg ik d gcv ~v r no |ko |o lo`/ E |g( |og gog egk rns
c rc lknog o`gcz Og oe `cd hco |e ~vn 5 od/ Od 9::2 `cd >:6/7
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acog | ~ve lknog eo` og |gog zgo acog | o`kc ~ve lknog zg| |yco eo
c gc gk go/
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Io` >= LKNOG U \GV O \GFK \GC GO/
o r |og= \ycv o`
\gc goOd Egog heg
9::6 9::2 9::0 9::2+9::6 9::0+9::2 U |co \ |yo`' U |co \ |yo`' U |co \ |yo`' \vs| c \o` c' \vs| c \o`c'
O`o go 52/: 9(26 >99/:3 995/:30 5/336 $>:(93 >:>/:6> 79(7:\o` eo` 6/>96/620 >:: 6/620/7:: 6/>>7/7>9 >::
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$ \o` o` rc lknog u egk rns( lknog u |gv o | egk rns o`o go
~vn 5 od v egcd | |yo` ho |yko` |o` lknog u |gv o/ E |g og unv(
od 9::2 |o` |ycv o`( |o` o` 3(>6& uk rc od 9::6( |og gog
|gv o e |g | e og |g h lk gk| o` dvn io en ee lknog o`gcz( ee
g uo wv| |yko` |gc `cno os e ogcv |gvo hc r | gcv ~v oo |y o O`o
go` o` a go/ \g ogo` od 9::0 hc `cd( | 6 |ycv o`( `cd
26:/:79 |ycv o`( |o` o` >:(97& uk rc od 9::2/ Lk |yko` od e d| u
lknog o`gcz rns ro |c O`o go` e gk| o` acog lknog ad gcv ~v( ro`
~vns ro |o lo` eo egd( go` gn eo |o o` ogcv |yko` agk oo ag oo`
|y o eo ad/ \gd rk ee g uo wv| |ye u ico o` hco |e en `c
o`vso r| hcv r `c en oo` uo `z ago` | yc yk/ \yko` od leg
iog'ed `( |nc wnog( h dd hko` do`(# hco |cz ws yn `s |gc| gc o`gcd
|yo` egk ogcv g uo wv|/ Rce acog lknog ago` | gcv ~v agco ee g uo
wv|( g `cn og ago` eo ag oo` |y o O`o go` gke |y o ago` o` a
go/ Eo` |e |gv o en o`o go` egn | a| ~v || lk |yko` |gc `cno |c
O`o go` eo e ogo` ico zgz |gc| |ge go on oo` enk lknog u |gv
o/
$ Ov og lknog u egk rns o`o go |o` `cd ~vn 5 od |g |og gog |gvo egk rns |yvo` r lc go ico o` |gfk egcv go` o`e hc( |e h `cd yc
hc |o`/ Od 9::2 lknog u |gv o |yvo` r lc go h >99/:5/336 gns >:(93& uk rc od 9::6( |g ogo` hc |o` | ico |yko` od 9::0(
|o` >:>/:6> |ycv o`( |o` o` 79(7:& uk rc od 9::2/ | e a| ~v
og |g h og rk u o he en ee ogo rco |o lo` ago` o`o` o e
ageg go` |y o( hd || eo` |e |gd og ageg go / \yko` od ~vn O`o
go` e ogo` egog ueg gz h |gv o eo` og |k cv aco egk o`c
rns |y o o` |gc go/ c rc ogo` g ago` |ge gco o` o`gn r |y o
|g O`o go` e ogo` ico zgz acd |yn c egcv |o` g r o rns( o |y(
zgo |eg ogo` o`vso ogo ageg go` r unk ago` |y e o | a| gz
rc egog ~vso n zgo` yn ogo` ico zgz w h |eg ee o e o`c
rns r `cn og en g gko |gog o`gn r |y o/ c rc ee | ege acog | |g
O`o go` |go` wvso |gfk lc |og gog gk| o` acog lknog( acd |yn oe |gv o/
\yno`
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i#Lknog u |gv o |gfk |gog zgo acog |/
Io` 9= LKNOG U \GV O \GFK \GOG ZGO ACOG \/
o r |og= \ycv o`
\gog zgo acog |
Od Egog heg9::6 9::2 9::0 9::2+9::6 9::0+9::2
U |co\ |yo`
'U |co
\ |yo`'
U |co\ |yo`
'\vs| c
\o` c'
\vs| c\o` c
'Lknog o`cz Og oe >/>>7/:03 9>(7> >/9:96 9>(25 >/99:/26: 95(76 72/:2/696 >(50Acog | o`kc ~ve lknog 29 02(>6 562/95: 7(73 $:(20
\o` eo` 6/>96/620 >:: 6/620/7:: 6/>>7/7>9 >::
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$ Lknog o`gcz Og oe= |gog zgo acog | os egcd | |yo` |gz |yko`
|o` lknog u |gv o ogo` v |o` ~vn ee od/ E |g( od 9::2 u ro |gv
gc e h >/9:96 |ycv o`( |o` 72/:2/696 |ycv o` rc | h
|o` h >(50& uk rc od 9::2/ O`vso ogo h lk O`o go` v | ro rk ee
lknog o`gcz Og oe | oo u o |gv gc e uk rc ee |gog zgo acog |
age ago` enk/ D| age( O`o go` e u ego hn a c rc ee lknog
o`gcz os( eg ~vno g rc ogo` lknog o`gcz hd o gcv ~v( e |yco ro` ||
oo u ro |gv gc e | | h enk/
$ Ee |gog zgo acog | o`kc ~ve lknog= s h |gog zgo acog | no`
d yo` v | r gk| o` ag gcv ~v( ee lknog o`gcz |y o rns ag ||(
s h lv gcv || O`o go` d yo` v | r oo` enk gcv ~v |yko` gk|
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lknog u |gv o en o`og acog | o`kc ~ve lknog hc |o` `cd ago` v ~vn
ee od/ E |g( od 9::2 lknog u | 7 |ycv o`( |o` uk rc od
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go lc ee gog |ge h |o lo` |gfk go de r |o lo` |o` ho( o y| zg
gz rc gk| o` uo wv| acog lknog dno` |og egv a en ee lknog o`gcz r
o`c lo/ o` |gc( O`o go` eg o` |d acd ageg go`( e ic| h
O`o go` z lo` egog ueg hc uv| hcog gk| |yko` rce ez |o lo` r ogo`
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$ L o c rc lknog o`gcz Og oe hvo egcd | |yo` og |yko` |o`
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zg| o` en \yvo` o`/
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sv( gog |ge |vso |yvso ~vo` i |go` gcv( uo zgd en O`o go` eo
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\yno` 29
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agkn ge/
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6/9/ @CC ZGZ/
Rce d yo` gk| o` v | en O`o go` h d| |yko` ogo` sv |
~vno |yo`( |ge s oo acog | n zgo` zg| |yco( zg gz rc wv |g zg|
|yco egvo` en | oe/ Ogo` hd e cv c gc O`o go` zgc eg
ogcv ro | rce |d acd o`vo ro o gcv ~v egk rns ro/ Dvo |g
eo zgc zgc gz eg| eg `cn O`o go` r Og Oe ogd yn ee ico
zgz e |g d yo` gk| o` v | ogd z o` ogv ev zg| |yco en w
gc/
6/9/>/ c rc gk| o` gvs o` ro/
Ro h cv aco ~vno |yo` d ik egk gk| o` acog lknog en O`o
go` d |yko` ~vno |yo` og| h ro gvs o`/ Ogo` od ~vn o`vo ro
gvs o` en O`o go` ago` z o` rce egk rns ro( h lk O`o go`o` |yo n io d o`c lo uo` eg sv io` o`g oo` o`gcz r ovc
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|yo` oo y| ag egk o r |yko` rce eo c `cn ro gvs o` r ro egk rns(
egk oo rce u lo` ro cv gn en egc ogog h cv || sv/
\yo e u |cz |e lvs |y ee gog |ge gvs o` gco e no` zg| gvs gcv
~v( `c e ageg go` |yvso |go`( O`o go` eo dog lo z lo` ee
gog |ge gvs o` dc( zgo v | de |o` |yo` o`vo ro rc ogz
enk( io ro` z o` e u eo c gc gk rc |e |o` |yo` egk rns
r ee gk| o` acog lknog age/ \o` ie |o` |yo` o`vo ro gvs o`(
`cd | |yo` o`vo ro cv gk | O`o go` Eo` \go` Rc| Ond/Unv s
h d| u ico zgz ogd oo` enk gcv ~v gvs o` ro=
- Gvs o` ro | lo e=
$ Hc uv| gvs o` zgc |g| u gz lo o`c lo( hvo `c o de
|o` c o og( ago` oo |gns c ogcv ho |yko` od o`c lo so |d
`c |co rk O`o go`/
$ z lo` hc uv| |go` gkn( ageg go` `c |co eo` ho |g hc uv| eo`
enk/
$ s dog r n lo` ee gog |ge gvs o` ro og= |c| acd l
|go`( |c| acd `c `z( |vso |yvso r agvso ageg d |c agko e ogo
\z |yvo` hd || | gvs o` ego` eg |co `c lc go l |go` io` ro`ogd |gv g| u ~vno |d en ageg go` o` |gc ogd hd |o` |gd o`vo
ro |yvo` r lc go/
$ O`o go` eo ~vno |d eg |yo` go on rce gvs o` ro oo`
|go/ s h |g |yo` |cd oo` r ro y| ho r gco ons oo` |go e ogcv g
`cn og hd o y| e gcv ~v( g |eg hs y| ogcv ogo` g eg ic| e| `c
io` eeg dvn ro`/
$ Eo d yo` eo` |e |vso |yvso r |cz |g r gvs o` ro o`c
lo ic| e r hc uv|( eo` og gog |ge gvs o` ro n lo` en O`o
go` ogd |gv g| o`s eo` ogcv ageg go`/
$ \go` wvso ec |co zgko` eeg `cnk leg( i |y eo i `cnk leg |ye
|cz e a oo` o`gcz r egvso do enk( |e o`gcz ognog ego`( egog we(
go` lo |o |og( y| o`o e |gc `cno |ge gco ee `cnk leg ogd h `cd
i| e u eeg ic| rc u gco c r n lo` r uo zgd leg r en eeo`o go` |go` dc age/
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$ \go` wvso |gfk lc lco ico ee uo zgd( hc uv| gvs o` en ee
O`o go` |go` dc age |yo n io( n yn ogo` uo zgd gvs o` e
|og eog |ynog( hc uv| gz lo( zg gz rc |og gog evo` ev ro |yo |g
|yo` r |d h en ageg go`/
$ Hn ego ee gog |ge agvso dc |geg gz |yko` rce |ge |gc ee
egog ueg ageg go` e ic| c rc ageg go` |go` wvso e u l |co `c
ho1 oo e |o` zgd( `c |gcz ege do` rk ogo` o`s h( || e |yvso( o`s
|gog hz O`o go`/
$ Dc ageg go` ~vno g rc O`o go`( O`o go` oo |cz we rc
ageg go` e gnc hog re gvs o` ro r egk rns ro( agc ageg go` hd
o || e hc ogvo u `c |co en g |c O`o go`/
$ O`o go` zgc `c dc ~vno g |go |gc| rc ageg go` |yvso |go`(
o` |gc agnc |ge ageg go` |cd oo`/
- Gvs o` o`vo ro | ee lknog o`gcz( ee | ege acog |( w gc=
$ \yco agnc |ge gco || leg r |gv egc g o ee lknog o`gcz og| h
ee lknog o`gcz e o`vo |gv |go` wvso agnc |ge o`vo |co `c ago`
a go/
$ \ge gco ee egog ueg v c gz h c rc ee lknog o`gcz eo`vo |gv o`kc | enk agnc |ge o`vo ro ogo yc( |o` o`vo gvs o`
o`kc |( |ge gco || leg r g |y ageg go` d yo` o`gcz r e
|yco agnc og |g N\D( ik hog
$ Ws lo` ee l o v | agz ao `cn uo wv| $ eg ico |cv |g
uo zgd( |gnog |ko wv| ogz agv d yo` egk rns r |gv g| o`vo o`kc
|/
$ c rc ee lknog o`gcz o`kc ~ve lknog( eo` |s e zgo( ee ko
|g egog |y $ w gc( eo e ico zgz |cz eo( `cc |gcv ee uo zgd |co eg
en O`o go`( ro o` ee o r gog egog u o`gcz |yko` rce |gnog |ko
|co ho` egk eo i ogo rco |go` ~vn rce d |c agko e ogo r u lo`
|g N\D/
6/9/9/ c rc gk| o` egk rns ro/
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Io eog rce gvs o` ro rk O`o go` o`s eo` ogcv rc ogo` ico
zgz hcog gk| gz lo |g O`o go` eo` zgc o he |d ico zgz oo` enk
gcv ~v egk rns ro/ |yog egk o` |co ago` i o` io` hd |o` egc zg
r `cd hc ogvo |g O`o go` zgc e ogo` ico zgz |g| u gc gn `cn
rce gvs o` ro r egk rns ro ogd dno` hc gcv ~v acog lknog o`s eo`
enk/
$ \ge gco egco he ageg go`( d yo` ~vno g |o lo`( |o` ie
oo` enk eg| ho` |o lo` o` |gc lvs |y ageg go` |yvso |go` en O`o
go`/
! c rc ageg go` |yvso |go`( rns |y e vs |o( gk| o` uo wv|
acog lknog e gcv ~v |g O`o go` oo lo` d| de egk rns v c `cz egk
lknog o`gcz zgo v g `c |gog uo zgd |k |g eog |ynog e hc go r ~vn
|k e de hc ogvo enk go/
! c rc | ogo e |g( rce egk rns v |ge gco ee |c uo |g egz(
|vs ogco O`o go` ago` oo wfd rce |g egz h sv | ~vs| og egk u egk
rns d eg sv wfd w| de eg rns e dno` hc gcv ~v eg |ge e ag oo`
|y e o dc ~vs| og egk rns/
! D| ro ~vno |yo` on h |yko` r unv agc egk rns( O`o go` eo|go` wvso | ege acd |yn rce u lo` ro rns( e ic| h ogo` agko rns
ho r ogo` ageg go` dc `cnk leg ho v/
! \o` eo` |go` |co `cn ee O`o go` r |og gog |c egog en ee
lknog o`gcz r ee unc zgd en ageg go`/ O`o go` e |g uo` he c
|o` rns dk gcd( e |yco ro` wv agc ~v |yog egk rns go eg yc yk
|go` ~vn g |go` |go` |co zgo` o`n yc yk/
$ Egvso do gn en eo i |o lo`= Ino hog k O`o go` e |o` eo
i |o lo` egvso egk rns r |gv gc o |o` agv re n io og| og/ Rce
zgo egcn og rs u `cz eo i |o lo` od ege e |og gog |c egog eo`
og ~vno g hd o en |o` ageg go`( gcv e ogv ev rns ro en g/ \
hz yn zgo` o egk rns e gcv ~v( ro egk rns e ez zg| |g| u c rk
uo wv| acog lknog e gcv ~n/ ^vn |gv gc o r hc d| eeg ognog ego`
r |gvo hc agc o a go |gnog |ko
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$ Zg| |yco o`vo ogo he= Sv | eko o`c hvo h sv | go` v
gkeg og egog ueg acog lknog en O`o go` oc egvo` r egog ueg |o
lo` oc yco`/ R |g O`o go` oo | ege |ge gco eo` |e ic lo` eo i
eo` ogo rco o`s eo` `cc r o`gcz r `cv acog o`gcd( zgd eg| k e
||/ Dvo og rs O`o go` e |g v | egk ogo rco |go` ~vn rce |k cv
aco egk g e lz |d gcv( ge gc oo` enk |yog a |gv| o`gcz r rc dc
gog |ge= gvo hvso |c eg( |gnd l ee eve gc |gk( ee agn k |k o`o
o`s( lc o`s |yko` oe eo` og oe o`kc agc e cv aco/
$ \ge gco eo` |e |vso |yvso= O`o go` oo |co gog |go` |co( ~vo`
ek |yo ik eg( |yvso gog r gk| o` en O`o go`( |go` ~vn zgo` |ge
c dc acog lknog/ e ic| O`o go` oo |cz eo rc ageg go` |cd oo`(
e |o |vc( egk dc g |gnd `cn rk lnog ueg ee ageg go` en O`o go`
~vn gog |ge |gnd l gc eg |go` dc | agv uo wv|( |cz |g egk o agv
|go` dc gn uo zgd/
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EGO@ 2
A\ HVO R ACO O@G
2/>/ A\ HVO
\yko` eo` eve zg| |yco acog | |gfk e eg |g |yo` oe |n( O`o
go` Eo` \go` Rc| Ond ago` eg `c rnc |y eg k r eg he |yo |g
|yo` |co | d eo o` rnc |y ~vno |yo` |yko` rce |ge s dc hog re
age en oo acog |/ \yko` ogo` od ~vn eo` rc u zg| |yco en |og og(
O`o go` Eo` \go` E Dnv | e ogo` |gog |v o` a( |y |gog
|y |g e he |yko` rce evo` ez ro egk ee lknog o`gcz( ee g uo wv|(
zge r |cv lo`( `z zgo oo` enk r ec |gco c uo` egk o`c lo/Io eog ( O`o go` Eo` \go` E Dnv ognog ego` z lo` egk
rns egvso c e ev es |yo`( r| ovc |gfk go` egog ueg en o` r Og
oe yn( ognog ego` |k o`vo ro `cz o`c lo e cv aco v |
zg| |yco oo` o`gcz( agnc |ge( ovc |yo` |gs uo `z zgo wn c `cd
o`gk |og/ O`o go` |ge gco v | o` go` |gfk u zg| |yco en |og/
R |g `z zgo zg| |yco e |g dog |ge s |ge gco || ogcd r acog | $
egog |y $ w gc n zgo`/ \ ( i d| E Dnv |o` ie |gns c r acog
|( ro gk( w gc/
\vs ogco( ro eo e ogo` d| go eg og o`vo ro gvs o` |c n
zgo` eo |gz( lk eo zg |gve y| ogcv rk o`vo ro rns en O`o
go` \yvo` o`/ R |g( hd og go` o hc ogvo acog lknog en O`o
go`/ Lk E Dnv h |og |o eo` zgn ond \ ~ve( e lco |eg d| ico ag ho
oo |go` wvso egv og go` en |gco |nc( leg iog( |g |yo` |cv |g
oo` uo iz iog( `c e v rk |o` enk( |e o` |ye |cz o uo wv|
oo` o`gcz( agnc |ge( ovc |yo` |gs uo r og go` `co |cz o gk| o`
O`o go`/ \g gnc( lk n E Dnv ago` |gvo hc egk `cnk |go`( `s ag ago(
|o egc zg enk r d| |gc `cno |yko` eo` |e |gd og( acd |yn( o e |gv
o/ O`kc yn( |og gog gvs o` ro ogo yc |yo n io eo go eg r |gc
~vfo `c |co d| gke dvn ro` en o`c lo( g ago` ~vfo `c |co rk O`o
go` oo zgo ho o`vo ro zgc rns | O`o go` \yvo` o` rc hc uv| agenk/ R |g( hd og go` o hc ogvo acog lknog en O`o go`/ D| age( u
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zgc gz `cn O`o go` rc ee e ~vno gv ~vno egn o` i `s |y o`c
|yko` ee |g |e rns ro eo` og w h ee agko o wv egn |gv gc e/
\vs eo ogcv ag ago ogo` O`o go` Eo` \go` E Dnv e `o`
r hd rce gcv ~v oo | |gog |v o` ageg h |yko` ogo` od ~vn/ E
|g eo` |e gvs o` ro en O`o go` v |o` ~vn ee od egk |gs vs |o
en O`o go` o`s eo` e oo` ho/ O`vo ro gvs o` en O`o go`
|o` ~vn ee od z o` zgo ok az |gc egk eo` |e egk rns en O`o
go`( g |y o`vo ro e he egk ee g uo wv| acog lknog |yo n io |og/
cv os e |g gco ~vn lknog u egk rns r lknog u |gv o ~vn ee od/ U
|o` |yo` en lknog u egk rns r |gv o h lv gcv o` do` r s ag
~vno egk O`o go` Eo` \go` E Dnv/ | cv og rk u eg k
az |gc r gz h en Ino @cd e( ee zgo` ino(/r u hd rce ogc| |og(
oo` o` r gcv ~v en |o` eo i ogo rco |yko` O`o go`/ Uko` io eog
o ~v go en O`o go` ~vn ee od ro eo enk s h d| ag ago d
O`o go` eo zgc wfd w|/ O`kc yn( l o `cd ~vn 5 od egk |gs eo` |e
egk rns ro en O`o go` eo sv/ Egk oo |yko` |gc `cno |c O`o go` eo
zgc ~vno |d go on c rc eo` |e egk rns ro r zgc e ogo` ico zgz
~vo h o unk egk zg gz eo io` r gz h `cn egk rns ro r gvs o`ro | hc ogvo enk og|( go eg yc yk o de |gz og|/
2/9/ ACO O@G
^vn rce o`gco ev |c( rc dko` dvo h gk| o` en O`o go`
Eo` \go` E Dnv hvo e zg| |yco ro` dog( no |ko r gcv ~v r |g
fd wco o` `z d| u aco o`g dno` |og eg| |gnd agk og unv=
2/9/>/ c rc egog ~vso n zgo`/
$ Eo go` lo |k cv aco egk ee g oo` lo v | uo wv| o`
og go` ogd dno` hc gcv ~v acog | enk/
$ |k cv aco egk rce zg| |yco acog | w gc |c n zgo`( VIOL
|og eo e a gkeg ~vs gkeg e |g zg gz rc |o` ro`( agv re( o`og
o`g |yog |og |yo` o`c lo v | | zg|( |yo hno( | og |og gog k nk
ovc |d gco ons/ E a gkeg go` od v | ink ogcv u ho` lco |eg es
|yo` r| ovc rn `cz egk O`o go` v | o` n eg |gfk ego` |yog zg|
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|yco |c n zgo` rn `cz egk o`c lo |o` gcv ~v uo wv| acog lknog go
eg |og |yo` |yo` dn d| `c/
$ VIOL |og eo ~vno |d o eo` |e ~vc gkeg dc `c ee og v |(
ws lo` ee agv acog | |z |yvo`( og go` zg| |yco acog | zg gz rc |ge
| |g |yo`/ |gv g| ee og v | |ye g| VIOL |og eo gko |gco rce
ws lo` e u g |o`( `cd i| ee |g |e zgco g agc wco `cz zgz v |
gns acog lknog/
$ \yo n io E Dnv gco ons zgo ho o`c lo uo` io` o`g oo`
o`gcz( agnc |ge( ovc |yo` |gs uo lk egog ~vso n zgo` eo ~vno |d
ogcv go on o rce g |y a |gv| eo` o`g egk o`c oo` lo go eg
|og |yo` leg iog |yko` oo` o`gcz( ovc |yo` og gco ons( og iog ys ov
gns leg ed `cn ed e og go` y| ho o |gv ogz en o`c oo` lo
|yko` ogo` od ~vn/
$ Eo ognog ego` eo` e aco |ko ee e ~vno agvso oo`( agvso o`
r ik r |ge r| go` lo ee g uo wv| u lo` ro |o lo` d| eeg
|c v /
$ Zgc e ogo` ico zgz `cc ~vs| || agv |cv |g uo zgd( e ic| h
uo zgd oo` o`gcz/$ @ck le zg ez uv yo` o ro` uv( ro` wn o`c lo e |g |cz
eo rc ogo` a |gv| dc oo` enk r u ho` r eg| ho` uo zgd
ogd |k ag oo` eog |ynog |yo |g |yo` |yko` agv re r |yo |g `cc/
$ o`g VIOL |og eg k ee o`og( ee ez |eg ee zgc gz rc O`o
go` |yko` rce w h o( |gv gc o/ o` |gc eg k ee e ~vno zgz hv| w
h dog ogo` |yo` gz agc aco1 c rc |yo` gz \k w( o e
gcv he eg k e ~vno |gc gog o |gc gog |yc| /
$ o`g ee o`og ege oo` wfd w| hc ee |g |e ez `cs ego` ogo
~vso u lo` | egk o`c lo unk egk y| o`o |gc `cno( |g |e o `co/
$ o`g VIOL |og eo |og |ko hc egk zg gz go n de ~vs og
r `c |y |( og egk u| rc `c |g |yo`/ cv os ago` ogo` `cz egk
O`o go` e e u v |( d o`c lo eo` e e gc rns e ogcv ro go(
ago` zgc c rns io o`kc rc hc uv| enk( dno` hc gcv ~v v | enk go egk
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o`c lo/ e ic| agc `c |y |c uo e |og o`( |og u `cz |o` |gd
o`vo |gv o` a go` od egk og oe/
2/9/9/ c rc O`o go` Eo` \go` E Dnv/
$ Eo ec |co `cd i| |g |e |k |gvo hc egk ee g uo wv| |yko` rce
rns ro zge r uo wv| d ago` unc hv| og/
$ Oo` enk ag oo` gvs o` io` ee gog |ge ~vo` ek( agvso dc
ogd |o` o`vo ro gvs o`( go eg rce u lo` ro en O`o go` \yvo`
o`/
$ \o` eo` egk rns |yvo` go( lc go ogd |k cv aco egk o`c oo`
lo zg| |yco uo wv| e ic| h ogo` ro` e ag oo` |yo` es hv od( ee
r| ovc e gcv ~v acog | enk/
$ Eo e ogo` egog ueg v c r hc uv| c rc ageg go` |yvso |go`
/
$ Gko |gco e eg ~vo h cv gog |yko` gk| o` acog lknog en O`o
go`( |k dc ~vno g `cn ee e ogo |yko` |z |g o`o go` o`s eo` || z
go/
$ \o` eo` rce k |k ogo rco( o` lo` eo` o`g |go` |co |yko`
eo` |e cv gog ~vo h/ s dog eo` |e acd |yn( acd uk| oc i |yko`~v |yog gk| o` d ik ue dog oc |c |yko` g |go` o`o go`/
$ O`gco ev |g |yo` e |g d |gd ogcv n cd gvs o` ro |c
ee oc o` lo e/
2/9/5/ c rc O`o go` Eo` \go` Rc| Ond/
$ Dog lo` zgo ~vso egk egc ogog O`o go` og ~vso dvn ud |c
uo zge r ogv ev gk| o` acog lknog( |o` go de zgo ~vs| egk rns c
rc dc ageg go` en egc ogog/
$ O`o go` eo v | ogcv go on rk rce oo` ez g |go` zgo dd
ds rc |og `cd ee hc r a |gv| `cd |gc `cno ageg go` zgc c hv/
$ \ ege o`s eo` ogcv ee hz gvo hvso oo` enk |yog egvso do
egk eo i en O`o go`/
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\C HCV \GND AGK
>/ \gU/ \gc Ro c '9::6#/ @ck |yog O`gcz r o`o go` |go` dc/
9/ \gc Ro c O`vso \gnog O`vs| '9::0#/ Ic `co` ^vo |y O`o go`
|go` dc/
5/ \U/ O`vso Dcog Acv '9::2#/ O`gcz r O`o go`/
