B.tumenjargal-2012 Zeeliin Ersdeliig Udirdah Argachlaliig Bolowsrongui Bolgoh

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- 5- 33
Character-
Capacity-
Capital-
Condition-
Collatral-

5P- 34
People-
Payment-
Purpose-
Protection-
Plan-

SWOT- 35
Stength-
Weakness-
Opportunity-
Trheat-

CAMPARI 36
Character, Ability- , , ,

33
34
35
36

. , , 2009 , 128


. , , 2009 , 128

21

Means- , , ,

Purpose- ,
Amount-
Repayment- ,
Interest and Insurance-,

PARSER- 37
People-
Amount-
Repayment-
Security-
Expediency-
Remuneration-

Pest 38
Political- , ,
,
Economic-

Social- ,
Technologies- , ,

LGD 39

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CAMEL 40
Capital-
Assets-
Management-

37 . , , 2009 , 128
38
39 www.financerisks.com/WP/ALGO.../ch2/bankloan.pdf
40 . , , 2009 , 128

22

Earing-
Liquidity-
2. .41
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50 , 270
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44

http://www.savingsbank.mn/ /index.php?lang=mn&pid=107
26

1. 2011 4- ,
/ / 45

5. 2011 / /52

82809.30

12% ,
,
17%

55%
2%
1%

5%
7%

100%

121176.40

383139.20
17007.20
8661.50

33722.30
47058.00

693573.90

567,956.0

9,799.8

37,151.9

14,060.7

628,968.4

64,605.5

693,573.9

: www.savingsbank.mn

6. 2010 / /53

32,771.1

91,179.8

211,800.4

51,653.9

12,653.2

20,279.6

22,366.1

%
7%
21%
48%
12%
3%
5%
5%

442,704.2

100%

333,510.5
19,560.3
25,042.1
9,625.6
387,738.5
60,000.0
2,433.5
(28,827.8)
21,360.0
54,965.7
442,704.2

27

: www.savingsbank.mn
52 2011 4-
53 2011 4-

2011
55%, 29%,
6%, 7%- . 2010
81%-, 66%-,
56%- . ,
2010 1.8
77 %- 2010 19.5
2011 1313.2 .
7. , / / 54

2011

64,381.5

43,919.8

2010
36,437.4
28,399.5

31,688.1

6,167.9

1,975.2

4,192.7

33,751.6

2,425.0
8,428.3
13,257.4

()

2,012.4
99.1

()

1,313.2

9,640.9
(19,545.7)
8.2
(19,554.0)

: www.savingsbank.mn

X 66 ,
28

12 ,
.
54 2010, 2011 4- ,

8. / / 55

1
2
3
4
5
6
7
8
9

11,968.10
9,729.80
38,879.50
17,807.80
1,114.80
4,719.30
27,283.80
3,401.00
12,690.90
127,595.00

9.4%
7.6%
30.5%
14.0%
0.9%
3.7%
21.4%
2.7%
9.9%
100%

18.40
0.2%
2.40
0.0%
151.60
1.9%
267.60
3.4%
75.10
0.9%
0.0%
73.30
0.9%
227.60
2.9%
7,155.50
89.8%
7,971.50
100%

: 2012,1-

4. , / / 56

: 2012,1-

X 2012 1-
11,968.1 ,
29

18.4 .
55 2012 1-
56 2012 1-


30%, 21%,
14%- .
4-
9,4 .
, 9.4%-

5. / / 57



,
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7,155.5 ,
.
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3 2009, 2010, 2011

30

57 - 2011

9. /./ 58
2010

2009

3,404,097.66
447,964.08

4,429,134.79
358,255.56

13%

2011

30% 9,563,203.84
-20%
21,048.52

8%

116%
-94%

0.2%

: 2009,2010,2011

6. / / 59

: 2009,2010,2011

2009 3,404,097.66

2010 X 829 4,429,134.79


30 . 2011.12.31- 4697
9,563,203.84 2010 5,139,042
2,2 .
2011

31

58 2009, 2010, 2011


59 2009, 2010, 2011

7. , / / 60
//
12,000,000.00
9,563,203.84

10,000,000.00
8,286,378.61
8,000,000.00
6,000,000.00

5,729,721.41
4,429,134.79

4,537,832.17

2010.12.31

2011.03.31

4,000,000.00
2,000,000.00
0.00
2011.06.30

2011.09.30

2011.12.31

: 2010,2011

2011
. 2011 4- 15%,
3- 2- 44.6%-, 2- 26%-
.
2011 2010 116%-, 2009
181%- .
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32

60 2010, 2011

8. , / / 61

: 2009,2010,2011

2009.12.31- 447964,08 .
2010.12.31- 33 358,255.56
20 .
2011.12.31- 7 21,048.5
337,207.06 94%-
.

. 2009
13% , 2010 8 %, 2011 0.2% .

2011
,
, 2011 13
253,626,1 . . 7
21048,52 . 4
, 3 ,

33

61 2009, 2010, 2011

10. 62


/./

2,215,993,469.88
163,872,304.46
143,654,009.61
3,462,461,740.79
2,010,658,251.51

23%
2%
2%
36%
21%

328,883,421.41
412,601,181.00
825,079,454.71
9,563,203,833.37

3%
4%
9%
100%

2011

9. 63

: 2011

C 73 ,
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27
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34

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62 2011
63 2011

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2012.04.30

1
2
3
4
5
6
7
8
9


2 857
400
0,00%
100

25 768
19 545
0,01%
19 545


123 748 561
648 787
0,30%
385 866

333 536
18 666
0,01%
11 532

66 913 806
737
0,00%
359
:
1 278 288
0,00%
20

14 264 295
4 779
0,00%


1 323 929
8 922
0,00%
1 170

11 769 223
36 490
0,02%
27 633

219 660 263


738 326
0,34%
446 225
: 2012 4-

35

64 2012 4-

10. , . 65

: 2012 4-


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.

87.9
12. , , 5 . 66

2011.12.31
2012.01.31
2012.02.29
2012.03.31
2012.04.30


104 034 757,98
106 614 829,96
119 098 570,47
120 025 122,42
123 748 561,35
:


493 900,31
494 524,29
529 984,47
534 723,53
538 955,41

476 946
746 715
638 416
522 450
648 787


393 491
381 336
375 601
368 540
385 866

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39

, .67
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67 http://www.creditscoring.com/pages/bar/htm

.

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. - credit history
.
(Social Security Number) -

.
, (collection agency )


. ,
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, .
Equifax, Experian, TransUnion 3
.

, 3-
. (credit report) ,
. 3

. FICO Score
. Fair Isaac Corporation ( FICO)
.

40

3. 68

10%
10%


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35%


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300, 850 .
650
700 ,
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620-680

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42

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43

70 http://www.checkcreditscoresite.com/credit-score-ratings.html

2.2

13
2011 5,597,743.6
73%-,

2009 111%-


.
2011 4697
9,563,203.84 2010 116%-, 2009 181%-
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:
http://www.mongolbank.mn/web/guest/statistics/loan-report
http://www.savingsbank.mn/
http://www.creditscoring.com/pages/bar/htm
48

http://www.checkcreditscoresite.com/credit-score-ratings.html
http://search.about.com/fullsearch.htm?terms=How%Your%20Credit%20Scor
e%20is%20Calculated/
http://www.checkcreditscoresite.com/credit-score-ratings.html

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