Professional Documents
Culture Documents
B.tumenjargal-2012 Zeeliin Ersdeliig Udirdah Argachlaliig Bolowsrongui Bolgoh
B.tumenjargal-2012 Zeeliin Ersdeliig Udirdah Argachlaliig Bolowsrongui Bolgoh
B.tumenjargal-2012 Zeeliin Ersdeliig Udirdah Argachlaliig Bolowsrongui Bolgoh
,
, ,
,
, .
:
1. ,
2. ,
3. ,
:
.
: " ,
"
,
.- " ", .
" ", .
"
:
, .
2009, 2010, 2011
,
.
:
,
.
,
.
.
.
.
,
,
,
,
.
,
,
,
.
,
.
,
,
.
I . ,
1.1 , ,
, .
,
,
, ,
, .1
, , , ,
.2
3.
.4
:
1. .
.
2. .
3.
.
4.
, .
, , , ,
, , ,
.
1
2 ,
3 ., " , ", 2004 , 14, ,
4 ., " , ", 1997 , 6,
1. :
.5 :
5 .
.
, , , 3-5
,
.
. 1-4
.
:
1 .
-
2. :
. :
3. :6 .
, .
4. : .
, .
.
, .
5. :
, . :
. 60-70 .
6. :7 :
.
.
. .
.
.
.
7. :
-
- ,
- , .
8. : 8
-
-
- .
9.
-
-
10.
-
- .
11. .
, ,
.
, ,
, ,
.
.
-
/1-90 /
/91-180 /
/181-360 /
M /361- / 9
.
.
,
. .
.
4 .10 :
1.
-
-
-
.
2.
-
-
-
-
3.
-
-
-
4.
-
-
-
-
.11
, .
,
.
,
, .
.12
,
.
.
.
, ,
, ,
, ,
.
.
.
,
.13
:
/ , , , ,
/
/ , /
,
, ,
.
2 . 14
1.
2.
. :
,
.
.
.
.
, ,
10
.
.
. ,
.15 :
.
,
, , , ,
, ,
. .
.16
, ,
11
1.2 ,
.
.
,
. 17
, .
,
.
,
.
18
. :
-
12
/ /
. ,
, ,,
. 19
.
.20
, , ,
,
.
13
.21
.
. :
-
,
.
,
. :22
. : 1
.
20%- 1 .
. .
.
14
, ,
, ,
.
:23
1. : .
.
2. :
.
.
.
3.
.
4. ,
5.
6. , .
7. , .
.24
.
,
.
15
1. 25
1.
5.
2.
4.
3.
1. : 26
2. :
3. :
3 .
4. :
16
4.
.
, , ,
.
.
.
100
15 .27
, .
.
, ,
,
.
.
.28
: :29
1. .
:
-
27
28 ., " , ", , 2004 , 68, ,
29 .- " ",, 2005 , 11, ,
17
2. . :
-
3.
4. , .
, ,
, .
,
, .
5. .
.:
-
, ,
6. ,
7.
,
,
.
8. ,
9.
18
.
,
,
.
,
, .
. :
2. .30
. 31 -
.
,
.
.
, .
30
31
19
- ,
.
,
.
.
.
. :
-
, , , ,
.
.
.32
,
, .
:
1.
2.
3.
4.
20
1. .
.
,
.
,
:
- 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
.
,
.
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
, .
.
, ,
.
.
, .
. ,
.
.
,
.
3. .42
. 5
.
. ,
, , .
.
.
.
.
.
41
42
23
.
.
4. .43
.
, ,
, .
.
. ,
.
,
.
, , ,
, ,
.
.
, ,
,
.
.
.
.
. .
. 2
43
24
.
,
, ,
.
,
,
.
25
II . ,
2.1 ,
1940- ,
, , ,
.
2009 10-
50 , 270
700
,
3000 , 500
,
.44
,
.
.
.
2008
,
. 2009
.
. ,
, .
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
,
.
7,155.5 ,
.
, ,
,
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
31
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%- .
, , , ,
,
.
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
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 ,
, ,
27
. 36
34
, 21
62 2011
63 2011
,
.
C 1 5,6
,
.
,
.
11. , /./ 64
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
35
64 2012 4-
10. , . 65
: 2012 4-
, ,
,
.
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
,
.
.
36
1 24
65 2012 4-
66 2012 4-
36
10
.
,
, , .
, ,
. :
-
, ,
, .
,
37
, .
.
.
3
. .
2 ,
.
2011 2.2
, .
.
10
1 500
2011 .
.
.
,
.
38
, , 5- SWOT
, , ,
,
.
1-10 1 , 10
.
. ,
.
.
, , ,
,
. .
.
.
39
, .67
.
67 http://www.creditscoring.com/pages/bar/htm
.
.
.
. - credit history
.
(Social Security Number) -
.
, (collection agency )
. ,
, ,
, .
Equifax, Experian, TransUnion 3
.
, 3-
. (credit report) ,
. 3
. FICO Score
. Fair Isaac Corporation ( FICO)
.
40
3. 68
10%
10%
15%
30%
35%
.
, ,
.
.
,
.
.
,
,
.
.
, ,
41
,
.
68 http://www.creditscoring.com/pages/bar/htm
,
.
,
, ,
, ,
.
,
.
,
. ,
, , .
300, 850 .
650
700 ,
. .
4. 69
700-
680-700
620-680
580-620
500-580
500-
42
69 http://www.creditscoring.com/pages/bar.htm
700-
, .
. ,
. 620-
.
. ,
. ,
.
. 70
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%-
.
,
. ,
. ,
.
,
, ,
. :
1.
.
,
44
.
.
.
, ,
, ,
.
2.
.
.
3.
.
.
.
.
,
, .
4.
,
.
45
,
.
5.
.
.
6.
.
,
.
.
,
, , ,
.
7.
.
,
.
8.
, ,
,
,
46
.
9. ,
.
1 . ,
2 .
, ,
.
.
10. .
, ,
.
47
, , :
,1996.
, , ,
2010.
, ,
, :
. . 2010, , 6 , .
-. . 2005, ,.
. . 2003,, , ,.
. . 2009, , .
. . 2004, , , .
. . 2008, ,
, .
. . , , 1997,
.
.. 2005, , 2005, .
. . 2010, , .
:
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
1. ?
. 0-1
. 2-3
. 4-
2.
?
3.
?
.
. 1-2
. 3
4. ?
.
5. ?
6. ? 1-6
.
1.
4.
2.
5.
3.
6.
7. 3
?
8.
49