2.2.2 The credit rating criteria on social surface.on the economic and social aspects in the field of agriculture, the countryside, the effectiveness of bank credit is usually assessed mainly as norms: results of the total domestic product (GDP) according to the fixed prices, current prices by sectors of the economy...; the results achieved in terms of area, yield, production of agriculture-forestry-fisheries-match career for each type of crop, livestock, aquatic products catching...; the value of the craft, and the construction industry in rural areas. The indicator is calculated annually or for a certain period depending on the purpose of the study. Each target has a certain meaning: from the reflected the growth of the economy to the level of development of the agricultural sector-forestry-match career, industry, and construction along the ability to respond to the needs of production, consumption and job creation in rural, agricultural areas.Add to that the need to consider the level of focus, layout bank credit capital for economic development programs effectively, according to the economic strategy of the party and State in each period, positively exploit all resources, strengthening the resolve of jobs Agriculture, reducing the time idle, prevent and push back the social evils in the countryside.2.2.3 effective evaluation criteria for credit customers.to assess the effectiveness of bank credit to customers, people often use these indicators reflect on capital efficiency, profits, employers ... of specific clients is:+ About the norms of profit: + About the effective use of indicators which: + About the target effective use of labour: So on the client side, effective use of in success through the process of using the loan to implement the Organization, production and trading projects agreed with the Bank when the loan relationship.
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