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DANH M C T VI T T T .............................................................................................. 15
GI I THCH THU T NG ............................................................................................... 16 CHNG I. GI I THI U CHUNG................................................................................... 21 1. M c ch v ngha c a S tay Tn d ng (STTD) NH A Vi t Nam (NH A) ................ 21 2. C u trc S tay Tn d ng................................................................................................... 21 3. Ph m vi p d ng ................................................................................................................. 21 4. T ch c th c hi n ............................................................................................................... 22 5. H ng d n c p nh t, b sung, ch nh s a ......................................................................... 22 PH L C 1A. DANH M C VN B N PHP L ........................................................... 23 CHNG II. C C U T CH C B MY QUN L TN D NG ................................ 28
1. Gi i thi u chung ................................................................................................................. 28 2. Nguyn t c t ch c ho t ng tn d ng ............................................................................ 28 3. C c u t ch c b my qu n l tn d ng .......................................................................... 29 3.1. C c u t ch c khung .................................................................................................... 29 3.2. Ch c nng nhi m v ..................................................................................................... 29 4. Ph l c ................................................................................................................................. 38 PH L C 2A S QUY TRNH TN D NG CHUNG ................................................ 38 PH L C 2B. S C C U T CH C B MY QU N L TN D NG ............... 38 CHNG III. PHN C P TH M QUY N PH DUY T TN D NG ............................. 41 1. M c ch .............................................................................................................................. 42 2. Nguyn t c phn c p th m quy n ph duy t tn d ng .................................................... 42 3. Quy n phn quy t c a cc c p th m quy n..................................................................... 42 3.1. T ng Gim c NH A ................................................................................................... 43 3.2. Gim c Chi nhnh NH A ........................................................................................... 43 3.3. Bi u phn c p th m quy n ph duy t h n m c cho m t khch hng............................ 44 4. Quy trnh ph duy t m t giao d ch tn d ng (cho vay ho c b o lnh)........................... 46 4.1. Quy trnh ph duy t ....................................................................................................... 46 4.2. Th i gian th m nh/ti th m nh v quy t nh cho vay ............................................ 48 5. Xy d ng v phn b h n m c t p trung tn d ng ......................................................... 48 5.1. Nguyn t c .................................................................................................................... 48
S TAY TN D NG NDTD ST caohockinhte.info
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5.2. Quy trnh xy d ng v ph duy t h n m c t p trung tn d ng ...................................... 49 6. Thay i h n m c tn d ng ............................................................................................... 51 7. Cc m c phn quy t v gia h n n (g c v li) v i u ch nh k h n n ..................... 51 CHNG IV. CHNH SCH TN D NG CHUNG........................................................... 53 1. M c tiu c a chnh sch tn d ng ..................................................................................... 54 2. N i dung c a chnh sch tn d ng chung ......................................................................... 54 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 Quy n t ch c a NHNo & PTNT VN ..................................................................... 54 i t ng khch hng vay t i NH A .......................................................................... 54 Nh ng i t ng v nhu c u v n khng c cho vay .............................................. 55 H n ch cho vay ......................................................................................................... 55 Nguyn t c v i u ki n vay v n................................................................................ 55 Phng th c cho vay .................................................................................................. 57 Cn c xc nh m c ti n cho vay.............................................................................. 58 Quy nh v tr n g c v li vay ............................................................................... 58 i u ch nh k h n tr n / chuy n n qu h n ........................................................... 59
2.10 Cn c xc nh li su t cho vay, li su t u i, li su t qu h n ............................. 60 2.11 Cn c xc nh th i h n v th lo i cho vay ............................................................. 60 2.12 ng ti n cho vay v thu n ....................................................................................... 61 2.13 Quy nh qu n l ngo i h i c a nh n c v cho vay b ng ngo i t i v i khch hng vay l ng i c tr 61 2.14 Quy n v ngha v c a ng i vay v ng i cho vay.................................................. 62 2.15 Chnh sch u i khch hng .................................................................................... 63 2.16 Chnh sch c nh tranh / marketing ............................................................................. 63 2.17 Cho vay theo cc m c ch v i t ng c bi t ...................................................... 63 3. B sung, s a i chnh sch tn d ng trong t ng th i k ............................................... 64 4. Ph l c ................................................................................................................................. 65 PH L C 4A. DANH M C VN B N PHP L ........................................................... 65 PH L C 4B. PHNG TH C CHO VAY THEO H N M C TN D NG ................. 66 PH L C 4C. PHNG TH C CHO VAY THEO D N U T ............................ 68 D NG PH L C 4D. PHNG TH C CHO VAY TR GP ................................................... 70 PH L C 4E. PHNG TH C CHO VAY THNG QUA NGHI P V PHT HNH V S TH TN D NG .................................................................................................................. 70 PH L C 4F. PHNG TH C CHO VAY THEO H N M C TN D NG D PHNG71 PH L C 4G. PHNG TH C CHO VAY H P V N ( NG TI TR )................... 71 PH L C 4H. PHNG TH C CHO VAY THEO H N M C TH U CHI ................. 71
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PH L C 4I. PHNG TH C CHO VAY LU V ...................................................... 72 PH L C 4K. CHO VAY LU V I V I H GIA NH, C NHN S N XU T NNG, LM NG, DIM NGHI P THNG QUA T VAY V N .................................................................. 72 PH L C 4L. CHO VAY I V I H GIA NH, C NHN S N XU T NNG, LM, NG, DIM NGHI P THNG QUA DOANH NGHI P ........................................................................ 75 PH L C 4M. CHO VAY U I V CHO VAY U T XY D NG THEO K HO CH NH N C 75 PH L C 4N. CHO VAY THEO U THC..................................................................... 76 PH L C 4P. M U S 04C/CV - GI Y NH N N ....................................................... 77 CHNG V. H TH NG CH M I M TN D NG V X P H NG KHCH HNG .. 79 1. Gi i thi u chung ................................................................................................................. 80 1.1. Khi nim h thng chm im tn dng v x p h ng khch h ng............................. 80 1.2. Mc ch ca vic chm im tn dng v xp hng khch hng ................................. 80 1.3. Nguyn tc chm im tn dng .................................................................................... 81 1.4. Phn nhm khch hng ................................................................................................. 81 1.5. Cc cng c chm im tn dng ................................................................................. 81 1.6. Trch nhim ca cc cn b lin quan .......................................................................... 81 2. H ng d n ch m i m tn d ng v x p h ng khch hng doanh nghi p ..................... 82 2.1. Hng doanh nghip........................................................................................................ 82 2.2. Quy trnh chm im tn dng v xp hng khch hng ............................................... 84 2.3. ng dng kt qu chm im tn dng v xp hng khch hng trong vic ra quyt nh cp tn dng v gim st sau khi cho vay....................................................................................................... 89 3. H ng d n ch m i m tn d ng v x p h ng khch hng c nhn ............................... 90 3.1. Hng khch hng ........................................................................................................... 90 3.2. Quy trnh chm im tn dng....................................................................................... 90 3.3. ng dng kt qu chm im tn dng v xp hng khch hng trong vic ra quyt nh cp tn dng CHNG VI. XC NH LI SU T CHO VAY ........................................................... 105 1. Gi i thi u chung ............................................................................................................... 106 2. Cc b ph n lin quan trong vi c xy d ng chnh sch li su t cho vay..................... 106 3. Trch nhi m v quy n h n trong vi c xy d ng chnh sch li su t cho vay ............. 106 4. Xy d ng quy ch xc nh li su t cho vay .................................................................. 106 5. Cc y u t c u thnh li su t cho vay ............................................................................. 107 6. Quy trnh xc nh li su t cho vay ................................................................................ 107 6.1. Quy trnh xc nh li su t cho vay theo phng php c nh tranh theo li su t th tr ng 6.2. Quy trnh xc nh li su t cho vay theo phng php i u ch nh r i ro trn gi v n 108 108 95
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7. Cc lo i li su t tn d ng ................................................................................................. 108 7.1. Li su t cho vay trong h n .......................................................................................... 108 7.2. Li su t cho vay qu h n ............................................................................................. 109 CHNG VII. QUY TRNH CHO VAY V QU N L TN D NG DN C ............... 110 1. Gi i thi u chung ............................................................................................................... 111 2. Ph m vi p d ng v i t ng cho vay........................................................................... 111 2.1. Ph m vi p d ng .......................................................................................................... 111 2.2. i t ng c vay..................................................................................................... 111 2.3. Nh ng i t ng v nhu c u v n khng c cho vay............................................... 111 2.4. i t ng b h n ch cho vay...................................................................................... 111 3. Gi i h n cho vay ............................................................................................................... 111 4. Cho vay c b o m b ng ti s n v khng c b o m b ng ti s n ......................... 112 5. Trch nhi m c a cc cn b lin quan ........................................................................... 112 6. Quy trnh nghi p v cho vay ........................................................................................... 112 6.1. Ti p nh n v h ng d n khch hng v i u ki n tn d ng v h s vay v n ............ 112 6.2. Ki m tra h s v m c ch vay v n ........................................................................... 112 6.3. i u tra, thu th p, t ng h p thng tin v khch hng v phng n vay v n ............. 113 6.4. Ki m tra, xc minh thng tin ....................................................................................... 114 6.5. Phn tch ngnh ........................................................................................................... 114 6.6. Phn tch, th m nh khch hng vay v n ................................................................... 114 6.7. D ki n l i ch cho ngn hng n u kho n vay c ph duy t................................... 115 6.8. Phn tch, th m nh phng n vay v n/d n u t ............................................... 115 6.9. Th m nh cc bi n php b o m ti n vay ................................................................ 116 6.10. L p bo co th m nh cho vay ................................................................................. 116 6.11. Ti th m nh kho n vay ........................................................................................... 117 6.12. Xc nh phng th c v nhu c u cho vay ............................................................... 118 6.13. Xem xt kh nng ngu n v n v i u ki n thanh ton c a Chi nhnh/TTH .......... 118 6.14. Ph duy t kho n vay ................................................................................................. 118 6.15. K k t h p ng tn d ng/s vay v n, h p ng b o m ti n vay, giao nh n gi y t v ti s n b o m 119 6.16. Tun th thi gian th m nh, xt duy t cho vay ...................................................... 120 6.17. Gi i ngn ................................................................................................................... 121 6.18. Ki m tra, gim st kho n vay .................................................................................... 121 6.19. Thu n li v g c v x l nh ng pht sinh .............................................................. 121
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6.20. Thanh l h p ng tn d ng ...................................................................................... 121 6.21. Gi i t a ti s n b o m ............................................................................................ 121 7. Qu n l tn d ng ............................................................................................................... 122 7.1. Qu n l h s tn d ng ................................................................................................ 122 7.2. nh gi l i cc kho n n nh k v gi a k ho c t xu t khi c n ......................... 122 7.3. Qu n l i v i t ng kho n cho vay v ton b danh m c cho vay............................ 122 7.4. Thu th p thng tin b sung v khch hng v kho n vay: .......................................... 122 7.5. Thay i h n m c tn d ng v ph duy t .................................................................... 123 8. Ph l c ............................................................................................................................... 124 PH L C 7A. DANH M C H S PHP L ............................................................... 124 PH L C 7B. DANH M C H S KHO N VAY........................................................ 124 PH L C 7C. H NG D N PHN TCH T CCH V NNG L C PHP LU T, NNG L C HNH VI DN S , NNG L C I U HNH V QU N L S N XU T KINH DOANH C A KHCH HNG 126 PH PH L C 7D. KI M TRA TNH CHNH XC C A BO CO K T QU 128 S N XU T KINH DOANH NNG TI CHNH
L C 7E. PHN TCH, NH GI TNH HNH HO T NG V KH 129
PH L C 7G. DANH M C I U TRA NH GI K HO CH KINH DOANH ..... 131 PH L C 7H. H NG D N KI M TRA H S SAU KHI K H P NG TN D NG / S VAY V N, H P NG B O M TI N VAY ................................................................................ 135 PH L C 7I. QUY TRNH GI I NGN ......................................................................... 137 PH L C 7K. KI M TRA, GIM ST KHO N VAY.................................................. 139 PH L C 7L. QU N L I V I T NG KHO N CHO VAY V TON B 141 DANH M C CHO VAY
PH L C 7M. M U BO CO TH M NH .............................................................. 143 CHNG VIII. QUY TRNH CHO VAY V QU N L TN D NG DOANH NGHI P148 1. Gi i thi u chung ............................................................................................................... 150 2. Ph m vi p d ng v i t ng cho vay........................................................................... 150 2.1. Ph m vi p d ng .......................................................................................................... 150 2.2. i t ng c vay bao g m: ..................................................................................... 150 2.3. Nh ng nhu c u v n khng c cho vay .................................................................... 150 2.4. i t ng b h n ch cho vay...................................................................................... 150 3. Gi i h n cho vay ............................................................................................................... 150 4. Cho vay c b o m b ng ti s n v khng c b o m b ng ti s n ......................... 150 5. Trch nhi m c a cc cn b c lin quan ...................................................................... 151
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6. Quy trnh nghi p v cho vay ........................................................................................... 151 6.1. Ti p nh n v h ng d n khch hng v i u ki n tn d ng v h s vay v n ............ 151 6.2. Ki m tra h s v m c ch vay v n ........................................................................... 151 6.3. i u tra, thu th p, t ng h p thng tin v khch hng v phng n s n xu t kinh doanh/ d n u t 152 6.4. Ki m tra, xc minh thng tin ....................................................................................... 152 6.5. Phn tch ngnh ........................................................................................................... 153 6.6. Phn tch, th m nh khch hng vay v n ................................................................... 153 6.7. D ki n l i ch c a ngn hng n u kho n vay c ph duy t ................................... 155 6.8. Phn tch, th m nh phng n s n xu t kinh doanh/ d n u t ........................... 155 6.9. Cc bi n php b o m ti n vay.................................................................................. 156 6.10. Ki m tra m c p ng m t s i u ki n v ti chnh ........................................... 157 6.11. Ch m i m tn d ng v x p h ng khch hng........................................................... 157 6.12. L p bo co th m nh cho vay ................................................................................. 157 6.13. Ti th m nh kho n vay ........................................................................................... 158 6.14. Xc nh phng th c v nhu c u cho vay ............................................................... 158 6.15. Xem xt kh nng ngu n v n v i u ki n thanh ton c a Chi nhnh/TTH .......... 158 6.16. Ph duy t kho n vay ................................................................................................. 159 6.17. K k t h p ng, h p ng b o m ti n vay, giao nh n gi y t v ti s n b o m159 6.18. Tun th th i gian th m nh, xt duy t cho vay ...................................................... 162 6.19. Gi i ngn ................................................................................................................... 162 6.20. Ki m tra, gim st kho n vay .................................................................................... 162 6.21. Thu n li v g c v x l nh ng pht sinh .............................................................. 162 6.22. Thanh l h p ng tn d ng ...................................................................................... 162 6.23. Gi i ch p ti s n b o m ......................................................................................... 162 7. Qu n l tn d ng ............................................................................................................... 163 7.1. Qu n l h s tn d ng ................................................................................................ 163 7.2. nh gi l i cc kho n n nh k v gi a k ho c t xu t khi c n: ........................ 163 7.3. Qu n l i v i t ng kho n cho vay v ton b danh m c cho vay............................ 163 7.4. Thu th p thng tin b sung v khch hng v kho n vay ........................................... 163 7.5. Thay i h n m c tn d ng v ph duy t .................................................................... 164 7.6. Phn lo i tn d ng........................................................................................................ 164 8. Ph l c ............................................................................................................................... 165 PH L C 8A. DANH M C H S PHP L ............................................................... 165 PH L C 8B. DANH M C H S KHO N VAY........................................................ 167
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PH L C 8C. DANH M C H S B O M TI N VAY ......................................... 169 PH L C 8D. H NG D N PHN TCH NGNH ..................................................... 171 PH L C 8E. H NG D N PHN TCH T CCH V NNG L C PHP L, NNG L C I U HNH, QU N L S N XU T KINH DOANH C A KHCH HNG ........................ 172 PH L C 8G. H NG D N KI M TRA BO CO TI CHNH .............................. 174 PH L C 8H. H NG D N PHN TCH, NH GI TNH HNH HO T NG . 176 PH L C 8I. H NG D N PHN TCH NH GI TI CHNH CNG TY.......... 178 PH L C 8K. H NG D N PHN TCH TH M NH PASXKD/DAT ................ 188 PH L C 8K1. DANH M C CU H I I U TRA NH GI PHNG N S N XU T KINH DOANH / D N U T ............................................................................................................. 214 PH PH L C 8L. H NG D N KI M TRA TNH TR NG TH C T 219 L C 8M. H NG D N KI M TRA M C 221 P TI S N B O M TI N VAY I U KI N TI CHNH
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PH L C 8N. H NG D N KI M TRA H S SAU KHI K H P NG TN D NG, H P NG B O M TI N VAY ..................................................................................................... 222 PH L C 8O. QUY TRNH GI I NGN ....................................................................... 224 PH L C 8P. KI M TRA KHO N VAY ....................................................................... 226 PH L C 8Q. THU N LI V G C V X PH L NH NG PHT SINH ................... 228 DANH M C CHO VAY L C 8S. QU N L I V I T NG KHO N CHO VAY V TON B 231
PH L C 8T. M U BO CO TH M NH................................................................ 233 CHNG IX. QUY TRNH THI T L P V QU N L H N M C I V I CC T CH C TN D NG
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1. Gi i thi u chung ............................................................................................................... 241 2. Quy trnh nghi p v thi t l p v qu n l h n m c TCTD ........................................... 242 2.1. Thi t l p h n m c l n u ........................................................................................... 242 2.2. i u ch nh h n m c c cho i tc TCTD ............................................................. 245 2.3. Ph duy t h n m c ...................................................................................................... 248 2.4. Theo di tnh hnh s d ng h n m c:.......................................................................... 249 3. Qu n tr r i ro trong kinh doanh ngo i h i v s n ph m phi sinh ............................ 250 3.1. Qu n tr r i ro thanh ton ............................................................................................ 250 3.2. Qu n tr r i ro tr c thanh ton................................................................................... 250 3.3. Cc nguyn t c chung trong qu n tr r i ro thanh ton v r i ro tr c thanh ton...... 252 3.4. R i ro tn d ng ............................................................................................................ 255 3.5. Qu n tr r i ro theo s n ph m ...................................................................................... 255
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4. Lu tr h s .................................................................................................................... 256 5. Ph l c ............................................................................................................................... 257 PH L C 9A. B NG CC CH TIU TI CHNH NH GI TCTD ....................... 257 CHNG X. QUY TRNH NGHI P V B O LNH .................................................... 259 1. Gi i thi u chung ............................................................................................................... 260 1.1. i t ng p d ng....................................................................................................... 260 1.2. i u ki n b o lnh....................................................................................................... 260 1.3. Cc lo i b o lnh ......................................................................................................... 260 2. Quy trnh nghi p v b o lnh ......................................................................................... 261 2.1. Ti chi nhnh ............................................................................................................... 261 2.2. Ti Trung tm iu hnh ............................................................................................. 263 3. K k t cc h p ng b o lnh ......................................................................................... 264 4. Pht hnh cam k t b o lnh ............................................................................................ 264 4.1. Cc n i dung c n thi t c a cam k t b o lnh .............................................................. 264 4.2. Cc cch pht hnh cam k t b o lnh.......................................................................... 264 5. Theo di h p ng b o lnh ............................................................................................ 265 5.1. Cn b tn dng ........................................................................................................... 265 5.2. Trng phng tn dng ................................................................................................ 265 5.3. Gim c chi nhnh..................................................................................................... 265 6. nh k nh gi tnh hnh SXKD v ti chnh c a khch hng ................................. 265 6.1. Cn b tn dng ........................................................................................................... 265 6.2. Trng phng Tn dng ............................................................................................... 266 6.3. Gim c chi nhnh..................................................................................................... 266 7. Gia h n b o lnh .............................................................................................................. 266 7.1. Cn b tn dng ........................................................................................................... 266 7.2. Trng phng tn dng ................................................................................................ 267 7.3. Gim c chi nhnh..................................................................................................... 267 8. X l khi ph i th c hi n b o lnh................................................................................... 267 8.1. Trng hp bo lnh thng thng ............................................................................. 267 8.2. Trng hp bo lnh trn c s bo lnh i ng ca TCTD khc hay xc nhn bo lnh ca TCTD khc 268 9. Gi i t a b o lnh .............................................................................................................. 268 10. Bo co th ng k ............................................................................................................... 269 11. Qu n l thng tin danh m c b o lnh ............................................................................ 269
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11.1. Qu n l h s b o lnh .............................................................................................. 269 11.2. Lu tr h s bo lnh ............................................................................................... 269 12. Nh ng tr ng h p b t ch i b o lnh ........................................................................... 269 13. Ph l c ............................................................................................................................... 271 PH L C 10A. GI Y NGH B O LNH ................................................................ 271 Ph lc 10B1. Mu Cam kt Bo lnh D thu ........................................... 272 Ph lc 10B2. Mu Cam kt Bo lnh Thc hin hp ng .................. 273 Ph lc 10B3. Mu Cam kt Bo lnh Thanh Ton................................... 274 Ph lc 10B4. Mu Cam kt Bo lnh vay vn .......................................... 275 Ph lc 10B5. Mu Cam kt Bo lnh hon thanh ton ...................... 276 Ph lc 10B6. Mu Cam kt Bo lnh Bo hnh cng trnh xy dng c bn 277 PH L C 10C. GI Y NGH GIA H N N G C, N LI..................................... 279 Ph lc 10D. Bo co kim tra sau bo lnh ............................................ 281 Ph lc 10E. BIN BN xc nh ri ro bt kh khng sau bo lnh282 PH L C 10G. BO CO TH M NH, TI TH M NH NGH B O LNH 284 PH L C 10H. H P NG B O LNH ....................................................................... 288 CHNG XI. QU N L N C V N ..................................................................... 291
1. Gi i thi u v qu n l n c v n .................................................................................. 292 2. Phn lo i kho n vay l phng php quan tr ng qu n l n c v n ................ 292 3. Phng php v quy trnh qu n l n c v n v x l t n th t tn d ng .............. 294 3.1. Phng ng a n c v n ............................................................................................ 294 3.2. Quy trnh theo di v x l cc khon vay c vn ................................................ 295 CHNG XII. B O M TI N VAY ............................................................................ 315 4. M t s khi ni m .............................................................................................................. 316 5. Nguyn tc bo m tin vay ............................................................................................. 316 6. Nhng quy nh chung ....................................................................................................... 316 3.1. Mc ch ca bo m tin vay ................................................................................... 316 3.2. Danh mc ti sn dng bo m tin vay ............................................................... 316 3.3. iu kin i vi ti sn bo m ............................................................................... 319 3.4. iu kin i vi bn bo lnh (bn th ba)................................................................ 319 3.5. Phm vi bo m tin vay............................................................................................ 320 3.6. Mc cho vay so vi gi tr ti sn bo m ................................................................. 320
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3.7. Bn, chuy n i ti s n c m c , b o lnh ................................................................... 321 3.8. Rt b t, b sung, thay th ti s n b o m.................................................................. 321 3.9. Khai thc cng d ng v h ng l i t c t ti s n b o m .......................................... 321 7. Cc bin php/hnh thc bo m tin vay ......................................................................... 321 4.1. Bo m tin vay bng ti sn cm c, th chp ca khch hng vay hoc bo lnh bng ti sn ca bn th ba 321 4.2. Bo m tin vay bng ti sn hnh thnh t vn vay .................................................. 345 4.3. Cho vay khng c m bo bng ti sn ..................................................................... 348 8. nh k nh gi li ti sn m bo .................................................................................. 349 9. Ph lc ................................................................................................................................ 350 PH L C 12A. M T S N I DUNG CH Y U C N NU T I T TRNH/ BO CO TH M NH V NH GI TI S N B O M ..................................................................................... 350 PH L C 12B. QUY N V NGHA V C A N V TR C TI P CHO VAY KHI THNG BO X L TI S N B O M .................................................................................................. 352 PH L C 12C. HNH TH C T BN CNG KHAI TRN TH TR NG ............... 354 PH L C 12D. BN QUA TRUNG TM D CH V BN U GI TI S N ......... 358 PH L C 12E. VI C C P GI Y CH NG NH N QUY N S D NG T, GI Y CH NG NH N QUY N S H U NH V QUY N S D NG T ........................................... 359 PH L C 12G. NGHA V T 360 N P THU CHUY N QUY N S D NG T, TI S N G N LI N V I
PH L C 12H. TRNH T PH I H P C A U BAN NHN DN V C QUAN CNG AN TRONG VI C H TR CC T CH C TN D NG THU H I TI S N B O M ............. 360 PH L C 12I. I U KI N TRNH T V TH T C NG K GIAO D CH B O M 362 365 PH L C 12K. TRCH NHI M PH I H P C A CC C QUAN H U QUAN ...... 364 PH L C 12L. HNH TH C BN TI S N CHO CNG TY MUA BN N NH N C CHNG XIII. H P NG TN D NG V H P NG M B O TI N VAY ........ 366 1. M c ch ............................................................................................................................ 367 2. Cc yu c u v i u ki n chung v h p ng tn d ng/ h p ng b o m ti n vay, k k t v thanh l h p ng tn d ng / h p ng b o m ti n vay ........................................................... 367 3. Cc i u kho n v i u ki n chung c a m t h p ng tn d ng ................................. 368 3.1. Cn c xc l p h p ng ............................................................................................. 368 3.2. Xc nh cc bn tham gia h p ng ......................................................................... 368 3.3. Xc nh hnh th c v tnh ch t c a kho n tn d ng ................................................... 368 3.4. M c ch kho n cho vay / c p tn d ng, i u ki n s d ng ti n vay .......................... 368 3.5. Th i h n cho vay, phng th c v k h n tr n ........................................................ 368 3.6. Li su t cho vay .......................................................................................................... 369
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3.7. Thu n g c, li ti n vay ............................................................................................... 369 3.8. Cc kho n ph .............................................................................................................. 369 3.9. ng ti n cho vay v ng ti n thu n ....................................................................... 369 3.10. Hnh th c m b o ti n vay ...................................................................................... 369 3.11. Quy n v ngha v c a cc bn ................................................................................. 369 3.12. S a i, b sung chuy n nh ng h p ng ............................................................. 371 3.13. Lu t p d ng / gi i quy t tranh ch p ......................................................................... 371 3.14. Cc vi ph m d n n ch m d t h p ng (tr c ti p v gin ti p)............................. 371 3.15. Cc tr ng h p b t kh khng .................................................................................. 372 3.16. i u kho n thi hnh, hi u l c h p ng .................................................................. 372 3.17. Cc cam k t khc....................................................................................................... 372 4. Cc i u kho n v i u ki n chung c a m t h p ng m b o ti n vay .................. 373 4.1. Xc nh hnh th c v tnh ch t c a h p ng m b o ti n vay:............................... 373 4.2 Cn c xc l p h p ng .............................................................................................. 373 4.3. Xc nh cc bn tham gia k k t h p ng ............................................................... 373 4.4 Ngha v c m b o / b o lnh............................................................................... 374 4.5 Ti s n th ch p / c m c / b o lnh............................................................................. 374 4.6 Bn gi ti s n v gi y t v ti s n ............................................................................. 374 4.7 Quy n v ngha v c a cc bn .................................................................................... 374 4.8. X l ti s n th ch p / c m c / b o lnh ................................................................... 375 4.9 Cc th a thu n khc ..................................................................................................... 375 4.10. Hi u l c h p ng ..................................................................................................... 375 5. K k t v thanh l h p ng tn d ng / h p ng b o m ti n vay ........................... 375 6. Quy trnh s a i, i u ch nh h p ng tn d ng ......................................................... 376 7. Phng php gi i quy t v ng m c, tranh ch p cc i u ki n c a h p ng tn d ng378 8. M u h p ng tn d ng v h p ng b o m ti n vay ............................................... 378 CHNG XIV. KI M TRA V GIM ST TN D NG C L P .............................. 380 1. M c ch ............................................................................................................................ 381 2. T ch c b my ki m tra gim st tn d ng c l p trong ngn hng ..................... 381 3. Phn c p th c hi n v trch nhi m c a t ng c p ......................................................... 381 4. T n su t v phng php ti n hnh ki m tra v gim st tn d ng ............................ 382 5. N i dung v ph m vi ki m tra v gim st tn d ng ..................................................... 382 6. H th ng thng tin, bo co ki m tra, gim st tn d ng .............................................. 386 7. nh gi v nh n xt sau ki m tra, gim st tn d ng .................................................. 386
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7.1. nh gi chung v cng tc tn d ng .......................................................................... 386 7.2. nh gi c th nh ng sai ph m sau ki m tra (nu c th n v khch hng) .......... 386 7.3. ngh CBTD ch u trch nhi m cho nh ng sai ph m gi i trnh ........................... 387 7.4. Ki n ngh ..................................................................................................................... 387 CHNG XV. PHT TRI N S N PH M...................................................................... 388 1. Tng quan v mc tiu ....................................................................................................... 389 2. Chng trnh sn phm tn dng ........................................................................................ 389 3. Hi ng Ph duyt Chng trnh Sn phm Mi .............................................................. 389 4. Quy trnh ph duyt sn phm mi..................................................................................... 390 mi 5. Ni dung bn n chng trnh sn phm mi ................................................................ 391 mi 6. Trin khai th nghim sn phm mi ................................................................................. 392 7. nh gi xem xt li sau khi trin khai sn phm mi....................................................... 392 CHNG XVI. H TH NG QU N TR THNG TIN TN D NG ............................... 394 1. Hot ng thng tin tn dng (TTTD) trong h thng Ngn hng Nng nghip Nng nghip v Pht trin Nng thn (NHNo) ...................................................................................................................... 395 1.1. Khi nim hot ng TTTD ........................................................................................ 395 1.2. Phm vi iu chnh ...................................................................................................... 395 1.3. Mc ch v ngha .................................................................................................... 395 2. Nguyn tc t chc, vn hnh v qun l h thng TTTD ................................................. 395 2.1. Yu cu i vi TTTD ................................................................................................. 396 2.2. C cu t chc v phn cp trch nhim qun l h thng TTTD ............................... 396 3. S dng cc TTTD .............................................................................................................. 399 3.1. Mc ch s dng TTTD ............................................................................................. 399 3.2. Quyn hn ca ngi s dng sn phm TTTD ......................................................... 400 3.3. Trch nhim th trng n v c ng k truy cp, khai thc v s dng TTTD ..... 400 3.4. Trch nhim ca ngi trc tip khai thc, s dng TTTD ......................................... 400 4. Quy trnh cp nht, b sung v trao i thng tin v khch hng ...................................... 400 4.1. Quy trnh nghip v TTTD ti Chi nhnh NHNo ........................................................ 400 4.2. Quy trnh nghip v TTTD ti Trung tm TTTD ca Hi s chnh............................. 403 4.3. Tng hp v kt xut thng tin .................................................................................... 404 5. Phn loi v t chc h thng TTTD .................................................................................. 405 5.1. H thng TTTD ca khch hng l doanh nghip ....................................................... 405 5.2. H thng TTTD ca khch hng l c nhn ................................................................ 408 5.3. H thng TTTD ca khch hng l cc TCTD ............................................................ 409
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6. H thng thng tin, bo co tn dng ................................................................................. 410 6.1. Hnh thc bo co........................................................................................................ 411 6.2. Bo co cht lng tn dng (phn loi tn dng theo mc ri ro) ......................... 411 6.3. Bo co mc tp trung tn dng .............................................................................. 411 7. Ph lc: Cc biu mu bo co........................................................................................... 412 Bi u s TT01. H s khch hng (doanh nghi p) .............................................................. 413 Bi u s TT02. H s khch hng (c nhn) ....................................................................... 414 Bi u s TT03. Bo co ti p th khch hng ....................................................................... 415 Bi u s TT04. Bo co thng tin c b n ............................................................................ 416 Bi u s TT05. S nh t k ................................................................................................... 417 Bi u s TT06. Thng bo v bi n ng tnh hnh c a khch hng .................................... 418 Bi u s TT07. Tnh hnh ti chnh c a khch hng DN ..................................................... 419 Bi u s TT08. B ng quan h tn d ng v i khch hng ...................................................... 421 Bi u s TT09. B ng quan h tn d ng (ng n h n) v i khch hng .................................... 423 Bi u s TT10. B ng quan h tn d ng (trung, di h n) v i khch hng............................. 424 Bi u s TT11. B ng quan h tn d ng v i khch hng ...................................................... 425 Bi u s TT12. Thng tin v ti s n c m c ........................................................................ 426 Bi u s TT13. Quan h b o lnh ........................................................................................ 427 Bi u s TT14. Thng tin ti chnh hng nm c a doanh nghi p........................................ 428 Bi u s TT15. Tm t t di n bi n ti chnh hng nm c a doanh nghi p ........................... 429 Bi u s TT16. Thng tin phi ti chnh i v i doanh nghi p ............................................ 431 Bi u s TT17. Thng tin khch hng l c nhn ................................................................ 432 Bi u s TT18. Bo co tnh hnh ti chnh c a khch hng c nhn.................................. 433 Bi u s TT19: Bo co thu nh p v chi ph khch hng c nhn....................................... 434 Bi u s TT20. Tnh hnh ti chnh c a khch hng TCTD ................................................ 435 Bi u s TT21. Tm t t di n bi n ti chnh hng nm c a TCTD ...................................... 437 Bi u s TT22. Thng tin ti chnh TCTD .......................................................................... 439 Bi u s TT23. Phn lo i n theo ch t l ng ...................................................................... 440 Bi u s TT24. Danh m c tn d ng phn theo chi nhnh v lo i ti n t ............................. 441 Bi u s TT25. Danh m c tn d ng phn theo m c ch cho vay v lo i hnh DN ............. 442 Bi u s TT26. 10 khch hng vay l n nh t ........................................................................ 443 Bi u s TT27. Danh m c tn d ng phn theo ngnh kinh t v lo i hnh doanh nghi p ... 444 Bi u s TT28. Danh m c tn d ng phn theo hnh th c b o m ti n vay ........................ 445 Bi u s TT29. Danh m c tn d ng phn theo th i h n ...................................................... 446
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Bi u s TT30. Bo co khch hng c t ng d n l n ...................................................... 447
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DANH M C T
VI T T T
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DANH M C T
ALCO BCTCV BHYT CBTD CIC CIH CP DAT DN DN TNN DN VVN DNNN HQT HXLRR IRR L/C NHCV NHT&PT NHNN VN NH A NHTM NHTMCP NHTMQD NPV PASXKD PN & XLRR PX QLDN U ban qu n l ti s n n c Bo co th m nh cho vay B o hi m y t Cn b tn d ng Trung tm thng tin tn d ng
VI T T T
Trung tm thng tin tn d ng c a NH A Chi ph D n u t Doanh nghi p Doanh nghi p u t n c ngoi Doanh nghi p v a v nh Doanh nghi p Nh n c H i ng qu n tr H i ng x l r i ro T su t hon v n n i b Th tn d ng Ngn hng cho vay Ngn hng u t v Pht tri n Ngn hng Nh n c Vi t Nam NH A Vi t Nam Ngn hng thng m i Ngn hng thng m i c ph n Ngn hng thng m i qu c doanh Gi tr hi n t i rng Phng n s n xu t kinh doanh Phng ng a v x l r i ro Phn x ng Qu n l doanh nghi p
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GI I THCH THU T NG
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GI I THCH THU T NG
1. n h n l kho ng th i gian t ngy khch hng nh n ti n vay l n u tin cho n tr c ngy b t u c a k h n tr n u tin. 2. B o m ti n vay l vi c t ch c tn d ng p d ng cc bi n php nh m phng ng a r i ro, t o c s kinh t v php l thu h i c cc kho n n cho khch hng vay. 3. B o m ti n vay b ng ti s n hnh thnh t v n vay l vi c khch hng vay dng ti s n hnh thnh t v n vay b o m th c hi n ngha v tr n cho chnh kho n vay i v i t ch c tn d ng. 4. B o lnh b ng ti s n c a bn th ba (g i l bn b o lnh) l vi c bn b o lnh cam k t v i NH A v vi c s d ng ti s n thu c quy n s h u, gi tr quy n s d ng t c a mnh, i v i DNNN l ti s n thu c quy n qu n l, s d ng th c hi n ngha v tr n thay cho khch hng vay, n u n h n tr n m khch hng vay th c hi n khng ng ngha v tr n . 5. B o lnh b ng tn ch p c a t ch c on th chnh tr - x h i l bi n php b o m ti n vay trong tr ng h p cho vay khng c b o m b ng ti s n, theo t ch c on th chnh tr - x h i t i c s b ng uy tn c a mnh b o lnh cho c nhn v h gia nh ngho vay m t kho n ti n nh t i t ch c tn d ng s n xu t kinh doanh, lm d ch v . 6. B t ng s n v ng s n B t ng s n l cc ti s n khng di d i c, bao g m: + + t ai Nh , cng trnh xy d ng g n li n v i t ai k c cc ti s n g n li n v i nh , cng trnh xy d ng .
m 7. 8. 9.
+ Cc ti s n g n li n v i t ai + Cc ti s n khc do php lu t quy nh ng s n l nh ng ti s n khng ph i l b t ng s n. Quy n ti s n khng ph i l b t ng s n. Xem gi i thch t i c 45 ph n Gi i thch thu t ng ny. C nhn kinh doanh: Cng dn Vi t Nam 18 tu i, c v n, c s c kho , c k thu t chuyn mn, c a i m kinh doanh ph h p v i ngnh ngh v m t hng kinh doanh khng b php lu t c m kinh doanh u c kinh doanh. Cc bo co ti chnh l b ng cn i ti s n, bo co k t qu kinh doanh (l , li), bo co dng ti n v cc ti li u ti chnh khc c lin quan n ho t ng s n xu t kinh doanh c a doanh nghi p. Cc t ch c tn d ng l cc t ch c tn d ng c thnh l p v ho t ng theo Lu t Cc t ch c tn d ng.
10. Chi nhnh NH A bao g m cc S giao d ch, cc chi nhnh c a NH A. 11. Cho vay l m t hnh th c c p tn d ng, theo NH A giao cho khch hng s d ng m t kho n ti n s d ng vo m c ch v th i gian nh t nh theo th a thu n v i nguyn t c c hon tr c g c l n li. 12. Cho vay c b o m b ng ti s n l vi c cho vay v n c a t ch c tn d ng m theo ngha v tr n c a khch hng vay c cam k t b o m th c hi n b ng ti s n c m c , th ch p, ti s n hnh thnh t v n vay c a khch hng vay ho c b o lnh b ng ti s n c a bn th ba. 13. Doanh nghi p l t ch c kinh t c tn ring, c ti s n, c tr s giao d ch n nh, c ng k kinh doanh theo quy nh c a php lu t nh m m c ch th c hi n cc ho t ng kinh doanh theo Lu t Doanh nghi p.
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GI I THCH THU T NG
17
14. D n u t, phng n s n xu t kinh doanh, d ch v ho c d n u t, phng n ph c v i s ng (sau y g i t t l d n, phng n) l m t t p h p nh ng xu t v nhu c u v n, cch th c s d ng v n, k t qu tng ng thu c trong m t kho ng th i gian xc nh i v i ho t ng c th s n xu t, kinh doanh, d ch v , u t pht tri n ho c ph c v i s ng. 15. i di n c a h gia nh (i u 117- B lu t Dn s ): a. Ch h c th u quy n cho thnh vin khc thnh nin lm i di n c a ch h trong quan h dn s . b. Ch h l i di n c a h gia nh trong cc giao d ch dn s v l i ch chung c a h , cha, m ho c m t thnh vin khc thanh nin c th l ch h . c. Giao d ch dn s do ng i i di n c a h gia nh xc l p, th c hi n v l i ch chung c a h lm pht sinh quy n, ngha v c a c h gia nh. 16. ai di n c a t h p tc (i u 121 B lu t Dn s ): i di n c a t h p tc trong cc giao d ch dn s l t tr ng do cc t vin c ra. T tr ng t h p tc c th u quy n cho t vin th c hi n m t s cng vi c nh t nh c n thi t cho t . Giao d ch dn s do ng i i di n c a t h p tc xc l p, th c hi n v m c ch ho t ng c a t h p tc theo quy t nh c a a s t vin lm pht sinh quy n, ngha v c a t h p tc. 17. i u ch nh k h n tr n l vi c NH A khch hng th a thu n v vi c thay i cc k h n tr n th a thu n tr c trong h p ng tn d ng. 18. ng ti n cho vay l ng ti n c a mn vay (Vi t Nam ng ho c USD,) 19. Gia h n n vay l vi c NH A ch p thu n ko di thm m t kho ng th i gian ngoi th i h n cho vay th a thu n tr c trong h p ng tn d ng. 20. Gi i ngn l vi c NH A chuy n ti n (chi ti n m t, chuy n kho n) cho ng i vay theo th a thu n trong h p ng tn d ng ho c chi tr theo ch d n c a ng i vay thanh ton ti n mua hng ha, d ch v , ph h p v i m c ch vay. 21. Gim st kho n vay l vi c qu n l, theo di, phn tch cc thng tin c lin quan n tnh hnh s d ng ti n vay, ti n th c hi n k ho ch kinh doanh, kh nng tr n v m c tr n c a ng i vay. 22. H n ch nng l c hnh vi dn s (i u 24- B lu t Dn s ): - Ng i nghi n ma tu ho c nghi n cc ch t kch thch khc d n n ph tn ti s n c a gia nh, th theo yu c u c a ng i c th m quy n, l i ch lin quan, c quan ho c t ch c h u quan, to n c th ra quy t nh tuyn b l ng i b h n ch nng l c hnh vi dn s . - M i giao d ch dn s lin quan n ti s n c a ng i b h n ch nng l c hnh vi dn s ph i c s ng c a ngi i di n theo php lu t. 23. H n m c tn d ng l m c d n vay t i a c duy tr trong m t th i h n nh t nh m NH A v khch hng th a thu n trong h p ng tn d ng. 24. Ho t ng thng tin tn d ng l vi c thu th p, t ng h p, cung c p, phn tch x p lo i, d bo, trao i, khai thc v s d ng thng tin tn d ng. 25. H gia nh (i u 116- B lu t Dn s ): l nh ng h m cc thnh vin c ti s n chung ho t ng kinh t chung trong quan h s d ng t, trong ho t ng s n xu t nng, lm, ng nghi p v trong m t s lnh v c s n xu t kinh doanh khc do php lu t quy nh, l ch th trong cc quan h dn s . 26. H p ng h p tc c cc n i dung ch y u sau y:
17
GI I THCH THU T NG
18
M c ch, th i h n h p ng h p tc. H tn, ni c tr c a t tr ng v cc t vin M c ng gp ti s n, n u c; phng th c phn chia hoa l i, l i t c gi a cc t vin. Quy n, ngha v v trch nhi m c a t tr ng, c a cc t vin. i u ki n nh n t vin m i v ra kh i t h p tc. i u ki n ch m d t h p tc. Cc th a thu n khc.
27. K ho ch kinh doanh l m t k ho ch s n xu t, ti p th v bn s n ph m c a ng i vay trong th hi n t ng m c v n u t d ki n, cc ho t ng, thu nh p, chi ph v kh nng tr n . 28. Kh nng ti chnh c a khch hng vay l kh nng v v n, ti s n c a khch hng vay m b o ho t ng th ng xuyn v th c hi n cc ngha v thanh ton. 29. Kh nng ti chnh c a khch hng vay l kh nng v v n, ti s n c a khch hng vay b o m ho t ng th ng xuyn v th c hi n cc ngha v thanh ton. 30. Khch hng l m t php nhn, c nhn, h gia nh, t h p tc, doanh nghi p t nhn. Php nhn l T ng Cng ty nh n c; T ng Cng ty nh n c c coi l m t khch hng, m i doanh nghi p thnh vin h ch ton c l p c a T ng cng ty nh n c coi l m t khch hng. 31. Khch hng vay bao g m php nhn, h gia nh, t h p tc, doanh nghi p t nhn v c nhn c i u ki n vay v n t i t ch c tn d ng theo quy nh c a php lu t. 32. Kho d li u thng tin tn d ng Ngn hng l ni t p h p, x l, lu tr d li u v thng tin tn d ng trong ngnh Ngn hng. 33. Kinh doanh: l vi c th c hi n m t, m t s ho c t t c cc cng o n c a qu trnh u t, t s n xu t n tiu th s n ph m ho c lm d ch v trn th tr ng nh m m c ch sinh l i. 34. K h n tr n l cc kho ng th i gian trong th i h n cho vay c th a thu n gi a NH A v khch hng m t i cu i m i kho ng th i gian , khch hng ph i tr m t ph n ho c ton b s ti n vay c a NH A. 35. M t nng l c hnh vi dn s (i u 24-B lu t Dn s ): - Khi m t ng i do b b nh tm th n ho c m c cc b nh khc m khng th nh n th c, lm ch c hnh vi c a mnh th theo yu c u c a ng i c quy n, l i ch lin quan, to n ra quy t nh tuyn b m t nng l c hnh vi dn s trn c s k t lu n c a t ch c gim nh c th m quy n. - M i giao d ch c a ng i m t nng l c hnh vi dn s do ng i i di n theo php lu t xc nh n, th c hi n. 36. Mn vay l s ti n g c m NH A ng ti tr cho ng i vay. 37. Nm ti chnh l nm k ton. 38. Nng l c hnh vi dn s c a c nhn (i u 19-B lu t Dn s ): l kh nng c a c nhn b ng hnh vi c a mnh xc l p, th c hi n quy n, ngha v dn s . 39. Nng l c php lu t dn s c nhn (i u 16-B lu t Dn s ): l kh nng c a c nhn c quy n dn s v ngha v dn s . M i c nhn u c nng l c php lu t dn s nh nhau. Nng l c php lu t dn s c a c nhn c t khi ng i sinh ra v ch m d t khi ng i ch t.
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GI I THCH THU T NG
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40. Ngn hng cho vay (NHCV) bao g m Trung tm i u hnh NH A, cc S giao d ch, chi nhnh NH A tr c ti p cho vay khch hng. 41. Ngha v tr n c a khch hng vay i v i t ch c tn d ng bao g m ti n vay (n g c), li vay, li ph t qu h n, cc kho n ph (n u c) c ghi trong h p ng tn d ng m khch hng vay ph i tr theo quy nh c a php lu t. 42. N qu h n l s ti n g c ho c li c a kho n vay, cc kho n ph, l ph khc pht sinh nhng cha c tr sau ngy n h n ph i tr . 43. Ni c tr (i u 48- B lu t Dn s ): L ni ng i th ng xuyn sinh s ng v c h kh u th ng tr. Trong tr ng h p c nhn khng c h kh u th ng tr v khng c ni th ng xuyn sinh s ng th ni c tr c a ng i l ni t m tr v c ng k t m tr. Khi khng xc nh c ni c tr c a c nhn theo cc quy nh nh trn, th ni c tr l ni ng i ang sinh s ng, lm vi c ho c ni c ti s n ho c ni c ph n l n ti s n n u ti s n c a ng i c nhi u ni. 44. Quy n phn quy t l vi c HQT c a NH A quy nh cho php m t cn b nh t nh c a NH A c ph duy t m c cho vay cao nh t i v i m t khch hng nh t nh. 45. Quy n ti s n l quy n tr gi c b ng ti n v c th chuy n giao trong giao lu dn s , k c quy n s h u tr tu . Quy n ti s n pht sinh t quy n tc gi , quy n s h u cng nghi p, quy n i n , quy n c nh n s ti n b o hi m, cc quy n ti s n khc pht sinh t cc h p ng ho c t cc cn c php l khc. 46. Ti s n b o m ti n vay l ti s n c a khch hng vay, c a bn b o lnh m b o th c hi n ngha v tr n , bao g m: Ti s n thu c quy n s h u, gi tr quy n s d ng t c a khch hng vay, c a bn b o lnh; ti s n thu c quy n qu n l, s d ng c a khch hng vay, c a bn b o lnh l doanh nghi p nh n c; ti s n hnh thnh t v n vay. 47. Ti s n hnh thnh t v n vay l ti s n c a khch hng vay m gi tr ti s n c t o nn b i m t ph n ho c ton b kho n vay c a t ch c tn d ng. 48. Th i h n cho vay l kho ng th i gian c tnh t khi khch hng b t u nh n v n vay cho n th i i m tr h t n g c v li v n vay c th a thu n trong h p ng tn d ng gi a NH A v i khch hng. 49. Th i h n gi i ngn l kho ng th i gian t ngy khch hng nh n ti n vay l n u tin n ngy k t thc vi c nh n ti n vay. 50. Th i h n thu n l kho ng th i gian trong th i h n cho vay c th a thu n trong h p ng tn d ng gi a NH A v i khch hng, c tnh t ngy b t u c a k h n tr n u ti n n ngy khch hng ph i tr h t n g c v li ti n vay. 51. Thng tin c nh bo s m l thng tin ph n nh nh ng hi n t ng b t th ng trong ho t ng kinh doanh c a khch hng c th mang l i r i ro cho t ch c tn d ng. 52. Thng tin tn d ng l thng tin v ti chnh, d n , b o m ti n vay, tnh hnh ho t ng v thng tin php l c a khch hng c quan h v i t ch c tn d ng, thng tin v th tr ng ti n t , th tr ng v n. 53. T h p tc (i u 120- B lu t Dn s ):
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GI I THCH THU T NG
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Nh ng t c hnh thnh trn c s h p ng h p tc c ch ng th c c a UBND x, ph ng, th tr n c a t ba c nhn tr ln cng ng gp ti s n, cng s c th c hi n nh ng cng vi c nh t nh, cng h ng l i v cng ch u trch nhi m, l ch th trong quan h dn s . T h p tc c i u ki n tr thnh php nhn theo quy nh c a php lu t, s ng k ho t ng v i t cch php nhn t i c quan nh n c c th m quy n. 54. Trch nhi m dn s c a h gia nh (i u 119 B lu t Dn s ): - H gia nh ph i ch u trch nhi m dn s v vi c th c hi n quy n ngha v dn s do ng i i di n xc l p, th c hi n nhn danh h gia nh. H gia nh ch u trch nhi m dn s b ng ti s n chung c a h ; n u ti s n chung c a h khng th c hi n ngha v chung c a h , th cc thnh vin ph i ch u trch nhi m lin i b ng ti s n ring c a mnh. 56. V n t c tham gia vo d n vay NH A bao g m v n b ng ti n, gi tr ti s n.
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CHNG I. GI I THI U CHUNG
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1. M c ch v ngha c a S tay Tn d ng (STTD) NH A Vi t Nam (NH A) STTD a ra khun kh cc chnh sch, nguyn t c c a NH A v ho t ng tn d ng. STTD quy nh nh ng th t c, trnh t cho vay nh m m b o s th ng nh t trong ho t ng tn d ng c a ton h th ng ngn hng NH A. STTD gip xc nh trch nhi m v nhi m v c a cc c p cn b lin quan trong ho t ng tn d ng. STTD l khung chu n cho vi c ki m tra, gim st tn d ng c l p
2. C u trc S tay Tn d ng STTD NH A c 16 chng c u trc nh sau: Danh m c t vi t t t Gi i thch thu t ng Chng 1. Gi i thi u chung Chng 2. C c u t ch c b my qu n l tn d ng Chng 3. Phn c p th m quy n ph duy t tn d ng Chng 4. Chnh sch tn d ng chung Chng 5. H th ng tnh i m tn d ng v x p h ng khch hng Chng 6. Xc nh li su t cho vay Chng 7. Quy trnh nghi p v cho vay v qu n l tn d ng dn c Chng 8. Quy trnh nghi p v cho vay v qu n l tn d ng doanh nghi p Chng 9. Quy trnh nghi p v thi t l p v qu n l h n m c tn d ng i v i cc TCTD Chng 10. Quy trnh nghi p v b o lnh Chng 11. Qu n l n c v n Chng 12. B o m ti n vay Chng 13. H p ng tn d ng & h p ng b o m ti n vay Chng 14. Ki m tra v gim st tn d ng c l p Chng 15. Pht tri n s n ph m tn d ng Chng 16. H th ng thng tin qu n tr tn d ng Ph l c: bao g m Ph l c chung v Ph l c c a t ng chng. 3. Ph m vi p d ng - STTD c s d ng nh C m nang tn d ng chu n cho CBTD trong h th ng NH A c n c.
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D a trn c s quy nh chung nu trong STTD ny, cc S Giao d ch v chi nhnh NH A c th b sung chi ti t quy trnh nghi p v tn d ng i v i t ng s n ph m ho c nhm s n ph m c th t i a phng.
4. T ch c th c hi n STTD c p d ng trong ton h th ng NH A. Trong qu trnh p d ng, cng tc ch nh s a, b sung STTD s c th c hi n tu theo th c t . Cc cn b lin quan trong ho t ng tn d ng c a NH A c trch nhi m th c hi n theo nh ng h ng d n c a STTD, ng gp ki n ch nh s a STTD, gi gn b o m t STTD ny.
5. H ng d n c p nh t, b sung, ch nh s a Vi c c p nh t, b sung ch nh s a s c xem xt th c hi n nh k hng nm ho c t xu t khi c nh ng thay i quan tr ng, b t th ng v mi tr ng kinh doanh v khun kh th ch chung m b o ph h p v i yu c u qu n l v i u hnh v tn d ng c a NH A v NHNN VN. H i ng Qu n tr NH A c trch nhi m thnh l p Ban Ch nh s a S tay Tn d ng. Trn c s thu th p ki n nh n xt v ki n ngh v S tay Tn d ng c a ng i s d ng (CBTD v lnh o t i Trung tm i u hnh, cc S giao d ch v chi nhnh NH A), Ban Ch nh s a S tay Tn d ng s ch n l c, l p xu t ch nh s a S tay Tn d ng nu chi ti t nh ng thay i, c p nh t c n th c hi n trnh H i ng qu n tr ph duy t. Sau khi c ki n ph duy t c a H i ng qu n tr , m i n i dung s a i c a vo STTD theo cc m c tng ng. Cc n i dung s a i cng c l p thnh m t danh sch nh vo ph n u c a STTD. Danh sch cc n i dung s a i c l p theo c u trc sau:
S a i l n th Ngy thng s a i Tham chi u Tn g i ph n s a i Chng / ph n c lin quan i di n Ban ch nh s a STTD Tn Ch c danh Ch k
Ban ch nh s a STTD s thng bo cho cc phng lin quan t i Trung tm i u hnh, cc S giao d ch v chi nhnh NH A bi t v vi c s a i STTD.
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PH L C 1A. DANH M C VN B N PHP L
Tn vn b n 1. VN B N PHP L Php l nh h p ng kinh t Lu t Dn s n c C ng ho X h i Ch ngha Vi t Nam Lu t cc t ch c tn d ng Ngh nh v quy ch u th u Ngh nh v quy ch u th u
S tham chi u
Ngy ban hnh
25/09/1989 28/10/1995 12/12/1997 88/1999/N-CP 14/2000/N-CP 01/09/1999 05/05/2000 26/05/2000
Thng t h ng d n th c hi n Quy ch 04/2000/TT-BKH u th u ban hnh km theo Ngh nh 88 v Ngh nh 14 Quy t nh v Quy ch cho vay c a 1627/2001/Q-NHNN TCTD i v i khch hng Quy t nh v Quy ch ng ti tr c a 286/2002/Q-NHNN cc t ch c tn d ng Thng t h ng d n th c hi n Ngh 07/2003/TT-NHNN nh s 178/1999/N-CP c a Chnh ph 2. VN B N PHP L LIN QUAN N B O M TI N VAY Ngh nh c a Chnh ph v th t c 17/1999/N-CP chuy n i, chuy n nh ng, cho thu, cho thu l i, th a k quy n s d ng t v th ch p, gp v n b ng gi tr quy n s d ng t Thng t c a T ng c c a chnh h ng 1417/1999/TT-TCC d n thi hnh Ngh nh s 17/1999/NCP ngy 29/3/1999 c a Chnh ph v th t c chuy n i, chuy n nh ng, cho thu, cho thu l i, th a k quy n s d ng t v th ch p, gp v n b ng gi tr quy n s d ng t Ngh nh Chnh ph v giao d ch b o 165/1999/N-CP m Ngh nh v m b o ti n vay c a cc 178/1999/N-CP
31/12/2001 03/04/2002 19/05/2003
29/03/1999
18/09/1999
19/11/1999 29/12/1999
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t ch c tn d ng Ngh nh c a Chnh ph v ng k 08/2000/N-CP giao d ch b o m Ngh nh c a Chnh ph v vi c s a 79/2001/N-CP i b sung m t s i u c a Ngh nh s 17/1999/N-CP ngy 29/3/1999 v th t c chuy n i, chuy n nh ng, cho thu, cho thu l i, th a k quy n s d ng t v th ch p, gp v n b ng gi tr quy n s d ng t Thng t c a lin B T ng C c a 772/2001/TTLT-TCC-NHNN chnh v Ngn hng Nh n c v vi c h ng d n th t c th ch p gi tr quy n s d ng t v ti s n g n li n trn t c a doanh nghi p c v n u t n c ngoi Cng vn c a T ng c c a chnh v 1581/TCC-PC vi c xc nh gi tr quy n s d ng t th ch p, b o lnh Thng t c a B t php, h ng d n 01/2002/TT-BTP m t s v n v th m quy n, trnh t v th t c ng k, cung c p thng tin v giao d ch b o m t i C c ng k qu c gia giao d ch b o m thu c B T php v cc Chi nhnh Ngh nh v thi hnh Lu t s a i b sung m t s i u c a Lu t t ai 04/2000/N-CP 10/03/2000 01/11/2001
21/05/2001
21/09/2001
09/01/2002
11/02/2002 24/02/2003
Thng t h ng d n v cho vay khng 03/2003/TT-NHNN ph i b o m b ng ti s n theo Ngh quy t s 02/2003/NQ-CP ngy 17/01/2003 c a Chnh ph Thng t h ng d n th c hi n Ngh 07/2003/TT-NHNN inh s 178/1999/N-CP ngy 29/12/1999 c a Chnh ph v B o m ti n vay Thng t c a B T php, B Ti 03/2003/TTLT-BTP-BTNMT nguyn mi tr ng h ng d n v trnh t , th t c ng k v cung c p thng tin v th ch p, b o lnh b ng quy n s d ng t, ti s n g n li n v i t Ngh nh c a Chnh Ph v vi c s a 85/2002/N-CP i m t s i u c a Ngh nh 178 Khung gi t v nh c a cc UBND t nh, thnh ph , c khu.
19/05/2003
04/07/2003
25/10/2002
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3. VN B N PHP L LIN QUAN N B O LNH NGN HNG Quy t nh v Quy ch B o lnh Ngn 283/2000/Q-NHNN14 hng Quy t nh s a i m t s i m trong 386/2001/Q-NHNN Quy t nh 283 Quy t nh v vi c s a i, b sung m t 1348/2000/Q-NHNN s quy nh lin quan n thu ph b o lnh c a cc t ch c tn d ng Quy t nh v vi c s a i, b sung m t 112/2003/Q-NHNN s i u c a Quy ch B o lnh Ngn hng 4. VN B N PHP L LIN QUAN N HO T NG TN D NG C A NHNO&PTNT VN Vn b n v vi c phn lo i khch hng 1963/NHNo-05 18/08/2000 19/09/2000 07/09/2000 25/08/2000 11/04/2001 29/10/2001
11/02/2003
Vn b n tr l i v ng m c v vi c th c 2324/NHNo-06 hi n phn lo i khch hng Quy t nh v vi c Ban hnh quy ch t 169/Q/HQT-02 ch c v ho t ng c a Chi nhnh NHNo&PTNT VN Vn b n h ng d n cho vay pht tri n 3202/NHNo-05 gi ng thu s n Quy t nh v vi c ban hnh quy nh 11/Q-HQT-03 phn c p phn quy t m c cho vay t i a i v i m t khch hng Quy t nh v vi c ban hnh Quy nh 10/Q-HQT-03 v t ch c v ho t ng c a H i ng tn d ng trong h th ng NHNo&PTNT VN Quy t nh v vi c Ban hnh h ng d n 09/Q-HQT-05 th c hi n Quy ch b o lnh ngn hng trong h th ng NHNo&PTNT VN Vn b n h ng d n m t s i m v cho 704/NHNo-05 vay c s h t ng Vn b n h ng d n nghi p v cho vay 723/NHNo-05 i v i cy ch Vn b n v/v cho vay kinh t trang tr i 733/NHNo-06 Vn b n h ng d n thm m t s i m 750/NHNo-06 cho vay pht tri n ngnh ngh nng thn Vn b n h ng d n thm vi c cho vay 749/NHNo-06
18/12/2000 18/01/2001
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h gia nh, c nhn thng qua t vay v n Quy ch ho t ng c a Ban Qu n l d n U thc u t NHNo&PTNT VN Km theo Quy t nh 303/Q/HQT-TCCB 25/4/2001 25/04/2001
Quy t nh v/v ban hnh quy nh phn 88/HQT-03 lo i TS "C", trch l p v s d ng d phng XLRR . Vn b n h ng d n b sung cho vay 1111/NHNo-06 theo H n m c tn d ng i v i h gia nh, c nhn Quy ch t ch c v ho t ng Trung Km theo Quy t nh tm phng ng a v x l r i ro 235/Q/HQT-TCCB NHNo&PTNT VN Quy ch ho t ng c a Ban Nghin c u Km theo Quy t nh Chi n l c kinh doanh NHNo&PTNT 305/Q/HQT-TCCB VN Quy ch ho t ng c a Ban K ho ch Km theo Quy t nh T ng h p NHNo&PTNT VN 304/Q/HQT-TCCB Quy ch ho t ng c a Ban Tn d ng Km theo Quy t nh NHNo&PTNT VN 301/Q/HQT-TCCB Quy ch ho t ng c a Ban Quan h qu c t NHNo&PTNT VN Km theo Quy t nh 299/Q/HQT-TCCB
04/05/2001
01/06/2001
25/07/2001
25/07/2001 25/07/2001 25/07/2001 22/11/2001
Quy t nh v vi c ban hnh quy nh 440/Q/HQT-TCCB v v vi c m , thnh l p v ch m d t ho t ng c a S giao d ch, chi nhnh, phng giao d ch, Vn phng i di n, n v s nghi p c NHNo&PTNT VN Quy t nh v/v Quy nh cho vay i 72/Q-HTD-TD v i khch hng trong h th ng NHNo&PTNT VN Vn b n v vi c th c hi n Thng t lin 705/CV-NHCT7 t ch s 02/2002/TTLT/NHNN-BTP Quy ch t ch c ho t ng c a Cng ty Km theo Quy t nh Qu n l n v Khai thc ti s n 43/Q/HQT NHNo&PTNT VN Vn b n h ng d n i u ki n, h s cho 756/NHNo-TD vay ngo i t Vn b n h ng d n phng th c cho 1235/NHNo-TD vay theo h n m c tn d ng Vn b n h ng d n th c hi n Quy ch ng ti tr 1435/NHNo-TD
31/03/2002
26/02/2002 26/02/2002
02/04/2002 17/05/2002 31/05/2002 11/06/2002
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v n Quy ch t ch c v ho t ng c a Ban Km theo Quy t nh th m nh t i tr s chnh v phng (t ) 259/Q/HQT-TCCB th m nh t i cc chi nhnh trong h th ng NHNo&PTNT VN Quy t nh v vi c ban hnh quy nh 300/Q/HQT-TD vi c th c hi n cc bi n php b o m ti n vay trong h th ng NHNo&PTNT VN 04/09/2003
24/09/2003
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CHNG II. C C U T
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CHNG II. C C U T CH C B MY QUN L TN D NG
A. C C U CHNG 1. Gi i thi u chung 2. Nguyn t c t ch c ho t ng tn d ng 3. C c u t ch c b my qu n l tn d ng

3.1. C c u t ch c khung 3.2. Ch c nng nhi m v
4. Ph l c
Ph l c 2A: S quy trnh tn d ng chung Ph l c 2B: S c c u t ch c b my qu n l tn d ng t i Tr s chnh v chi nhnh NH A
B. N I DUNG CHNG 1. Gi i thi u chung Chng ny xc nh m t c c u t ch c c a b my qu n l tn d ng p ng c nh ng m c tiu c b n c a ho t ng tn d ng trong NH A. M t i m m u ch t trong qu n l tn d ng hi u qu l xy d ng c m t c c u t ch c tn d ng c kh nng tun th theo chnh sch v quy trnh tn d ng c a ngn hng, duy tr m t danh m c tn d ng ch t l ng gi m thi u r i ro, t i u ha cc c p b c cn b v s d ng chi ph nhn l c m t cch hi u qu nh t. Ton b quy trnh tn d ng lin k t ch t ch t nghin c u th tr ng thng qua cc m i lin l c v i khch hng, i u tra v nh gi tn d ng, ph duy t, so n th o h s, gi i ngn, nh gi v thu n cho t i quay vng, gia h n hay ch m d t kho n cho vay. Quy trnh ny bao g m 3 ph n chnh l Ti p th (marketing) tn d ng; phn tch nh gi tn d ng v qu n l gim st tn d ng. (xem Ph l c 2A- S quy trnh tn d ng chung) B my qu n l tn d ng h p l p ng cc yu c u sau: - C c u lnh o ph h p v i m t n v kinh doanh nh m m b o t ch c hnh cng vi c hi u qu . - Xc nh r trch nhi m c a cc b ph n ho c c nhn, c bi t l trch nhi m v k t qu cng vi c. - Ho t ng theo nh h ng khch hng. - Qu n l thng tin ch t ch v y . 2. Nguyn t c t ch c ho t ng tn d ng T ch c ho t ng tn d ng t i NH A c xy d ng theo m hnh qu n tr phn quy n d a trn c s cc chnh sch v nguyn t c c i u hnh t p trung. Trong , Ban Tn d ng ch u trch nhi m xy d ng vn ha v ton S TAY TN D NG NDTD ST caohockinhte.info
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b cc chnh sch v quy t c qu n tr chung cho cng tc qu n tr tn d ng t i ngn hng. ng th i, cc Ban nghi p v tn d ng d a trn nh ng chnh sch v nguyn t c tr c ti p th c hi n cc giao d ch tn d ng, qu n l v ki m sot r i ro tn d ng. M hnh qu n l tn d ng ny h ng t i: - Xc nh m c ch p nh n r i ro tn d ng ph h p; - Xy d ng quy trnh c p tn d ng th ng nh t v khoa h c; - Duy tr m t quy trnh gim st v o l ng r i ro h p l; - B o m ki m sot ch t ch i v i r i ro tn d ng; - Thu ht khch hng v d n tn d ng t t; 3. C c u t ch c b my qu n l tn d ng 3.1. C c u t ch c khung B my qu n l tn d ng t i NH A bao g m ba nhm chnh tr c ti p tham gia vo quy trnh qu n l tn d ng: T ng gim c (Gim c chi nhnh) Cc phng ban nghi p v tn d ng Ki m tra & gim st tn d ng c l p
Ba nhm ny ch u trch nhi m xy d ng v th c hi n cc chnh sch, quy trnh v cc quy nh v qu n l tn d ng trong ngn hng. Ph l c 2B: S c c u t ch c b my qu n l tn d ng t i Tr s chnh v chi nhnh NH A 3.2. Ch c nng nhi m v 3.2.1. T ng Gim c Trong ho t ng tn d ng v qu n l tn d ng, T ng Gim c NH A c nh ng vai tr sau: - Ph i h p v i cc Ban nghi p v tn d ng ho ch nh chi n l c tn d ng v qu n tr r i ro tn d ng. L ng i quy t nh cu i cng trong vi c ban hnh cc chnh sch, quy trnh tn d ng v h ng d n th c hi n. - L ng i c quy n h n cao nh t v cu i cng trong ton h th ng NHNo & PTNT trong vi c ph duy t cc kho n c p tn d ng v h n m c tn d ng (bao g m h n m c tn d ng cho khch hng, h n m c tn d ng theo c c u danh m c tn d ng v m c phn quy t c a cc NHCV), cc kho n cho vay, b o lnh v ti tr thng m i. - Ra quy t nh b nhi m cc v tr ch ch t trong b my t ch c qu n l tn d ng c a h th ng NH A. 3.2.2. Gim c S giao d ch / chi nhnh NH A (NHCV)
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Gim c cc NHCV ch u trch nhi m ch o i u hnh nghi p v kinh doanh ni chung v ho t ng c p tn d ng ni ring trong ph m vi c u quy n; Cng vi c c th lin quan t i ho t ng tn d ng bao g m: - Xem xt n i dung th m nh do phng tn d ng trnh ln quy t nh cho vay hay khng cho vay v ch u trch nhi m v quy t nh c a mnh. - K h p ng tn d ng, h p ng BTV v cc h s do ngn hng v khch hng cng l p; - Quy t nh cc bi n php x l n , cho gia h n n , i u ch nh k h n tr n , chuy n n qu h n, th c hi n cc bi n php x l i v i khch hng.
Cc Phng ban nghi p v tn d ng a) T i Tr s chnh Cc Ban nghi p v tn d ng t i Trung tm i u hnh NH A bao g m: - Ban Tn d ng - Ban Qu n l D n U thc u t - Ban Th m nh D n - Ban Quan h qu c t - Trung tm Phng ng a v x l r i ro - Cng ty Qu n l n v khai thc ti s n (i) Ban Tn d ng Ch c nng Ban Tn d ng c ch c nng tham mu cho HQT, T ng gim c NH A trong vi c qu n l, ch o ho t ng tn d ng b o lnh trong n c, u t ng n h n di h n, m r ng th tr ng, nghin c u xu t c i ti n th t c vay t o thu n l i cho khch hng nh m m c tiu pht tri n kinh doanh an ton, hi u qu c a NH A. Nhi m v : - Qu n l i u hnh ho t ng tn d ng trong ton h th ng NH A. - D th o cc quy ch , quy trnh v h ng d n v nghi p v tn d ng. - M r ng d ch v tn d ng v th tr ng tn d ng trong c n c thnh ph v nng thn. - u m i v ph i h p v i cc ban c lin quan t ch c ch o u t th nghi m cho cc chng trnh nghin c u cc d ch v s n ph m m i.
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M r ng th ph n tn d ng theo h ng u t khp kn g m: s n xu t, ch bi n, tiu th , xu t kh u (n i t , ngo i t ) g n nghi p v tn d ng v i thanh ton k c thanh ton qu c t , v n n i t , ngo i t ; chuy n i tn d ng s n xu t v i tn d ng lu thng v tn d ng tiu dng trong m i khch hng. Nghin c u xu t c i ti n th t c cho vay. Xy d ng v ch o m hnh chuy n t i v n v qu n l tn d ng c hi u qu . Ph i h p v i Ban c lin quan xy d ng v th c hi n chi n l c khch hng v t ch c qu n l v phn lo i khch hng. Phn tch kinh t theo ngnh ngh kinh t k thu t, l a ch n i t ng, bi n php cho vay t hi u qu cao. B o lnh tn d ng trong n c. Tr c ti p th m nh, ti th m nh cc d n tn d ng thu c quy n phn quy t c a T ng gim c v HQT NH A. Ch o, ki m tra, phn tch ho t ng tn d ng, phn lo i n , phn tch n qu h n tm nguyn nhn v bi n php kh c ph c. Phn tch hi u qu v n u t, th ng k t ng h p, bo co chuyn hng thng, qu, nm c a cc chi nhnh. Th c hi n ch bo co nh k v t xu t theo quy nh. nh k s k t, t ng k t chuyn , nh gi cng tc tn d ng c a NH A. Ph i h p v i Trung tm phng ng a v x l r i ro x l r i ro trong kinh doanh c a NH A.
(ii) Ban Qu n l D n U thc u t Ch c nng Ban Qu n l d n u thc u t c ch c nng tham mu cho HQT, T ng gim c NH A trong vi c th c hi n qu n l cc chng trnh d ch v u thc u t c a chnh ph cc b , ngnh, t ch c kinh t x h i trong v ngoi n c do NH A m nhi m. Nhi m v : - Nghin c u pht tri n nghi p v tn d ng u thc u t, tn d ng ch nh c a Chnh ph v cc t ch c, c nhn trong v ngoi n c. - Xy d ng cc quy ch , quy nh nghi p v v h ng d n th c hi n quy trnh nghi p v trn c s h p ng k cho t ng d n u t. - Qu n l v ch o th c hi n cc chng trnh d ch v u thc c a Chnh ph , cc t ch c ti chnh - tn d ng, cc t ch c kinh t - x h i, c nhn trong v ngoi n c. - u m i ch o, th c hi n cc d n u thc u t, lm th t c vay v n t qu v n quay vng. T ch c rt v n, giao v n, gi i ngn, theo di nh gi vi c s d ng v n v hon tr v n theo t ng d n. - Qu n l cc kho n v n u thc u t c a NH A. - Qu n l h th ng thng tin bo co cc d n u thc u t, phn tch nh k nh gi hi u qu c a d n v l p bo co th c hi n d n cho cc ch u t. S TAY TN D NG NDTD ST caohockinhte.info
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Tham mu, xu t cho T ng gim c ti p nh n, tham gia cc d n u thc u t v i nhi u t ch c tn d ng trong n c v ngoi n c tham gia. Th c hi n ch bo co nh k v t su t theo quy nh. Ph i h p v i Trung tm o t o t ch c t p hu n, h ng d n nghi p v u thc u t trong ton h th ng NH A. Th c hi n lu tr h s d n (b n ch p) D th o cc h p ng d ch v u thc, u t.
(iii) Ban Th m nh D n Ch c nng - D th o cc c ch , quy ch , quy trnh nghi p v v th m nh, tri n khai, h ng d n th c hi n cc c ch , quy ch , quy trnh v nghi p v n i ng cc b lm cng tc th m nh. - Th m nh cc d n vay v n, b o lnh v t quy n phn quy t cho vay c a Gim c cc Chi nhnh ho c nh ng mn vay do HQT, T ng gim c ho c Gim c chi nhnh quy nh, ch nh. - N m nh h ng pht tri n kinh t x h i c a nh n c, cc B , Ngnh, a phng v nh h ng pht tri n i v i cc doanh nghi p, cc ngnh hng, cc nh m c kinh t -k thu t lin quan n i t ng u t. Thu nh p, phn tch cc thng tin kinh t , thng tin khch hng, thng tin th tr ng.c lin quan n d n c n th m nh, m b o cho vi c th m nh c hi u qu , ng h ng. - T ch c ki m tra chuyn cng tc th m nh. Nhi m v : - Xy d ng quy ch , quy trnh v th m nh; gip HQT v T ng gim c ban hnh v tri n khai t p hu n o t o cho cc Chi nhnh trong ton h th ng. - Tr c ti p th m nh cc d n do HQT, T ng gim c ch nh v th m nh cc d n v t quy n phn quy t c a Chi nhnh c p I, Cng ty tr c thu c. - i v i cc d n c th ho c nh ng thng tin quan tr ng ph c v cho vi c th m nh, c th thu chuyn gia t v n ho c mua thng tin (khi c T ng gim c ch p thu n). - Lm u m i v tham gia th m nh cc d n ng ti tr v i cc TCTD khc. - Ti p c n v i cc B ngnh c lin quan, cc T ng cng ty v cc a phng, n m b t nh h ng pht tri n kinh t , cc nh m c kinh t k thu t lin quan n i t ng u t; khai thc cc d n u t c hi u qu ; tham mu cho lnh o trong vi c lm u m i ng ti tr v i cc NHTM khc. - Ph i h p v i cc Ban lin quan, tham mu cho lnh o trong vi c xc nh m c cho vay i v i m t s ngnh kinh t , ngnh hng v doanh nghi p. u t ng h ng, phng ng a v phn tn r i ro. - Ph i h p v i Trung tm o t o v cc Ban chuyn mn nghi p v khc trong vi c o t o, t p hu n nghi p v cho cn b lm cng tc th m nh. - Thu th p, qu n l, cung c p thng tin ph c v cng tc th m nh. - T ch c ki m tra cng tc th m nh c a cc chi nhnh theo quy nh. S TAY TN D NG NDTD ST caohockinhte.info
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Th c hi n ch thng tin bo co v nh ng v n lin quan n cng tc th m nh.
(iv) Ban Quan h Qu c t Ch c nng Ban Quan h Qu c t c ch c nng tham mu cho HQT, T ng Gim c NH A trong vi c nghin c u chi n l c pht tri n kinh t i ngo i v i cc t ch c tn d ng ngoi n c, t ch c th c hi n v qu n l ho t ng nghi p v lin quan n thanh ton qu c t c a h th ng NH A theo cc quy ch , c ch c a Nh n c v c a ngnh. Nhi m v : Trong ho t ng tn d ng, Ban Quan h qu c t c nh ng nhi m v sau: - u m i giao d ch, ti p nh n cc d n cho vay ti tr t cc t ch c kinh t , ngn hng n c ngoi tr c ti p ho c thng qua Chnh ph , t ch c kinh t x h i khc. - u m i giao d ch v i cc t ch c ti chnh, ngn hng n c ngoi v cc kho n vay v n tn d ng ng n, trung v di h n, b ng ngo i t theo nhu c u huy ng v n c a NH A. - Qu n l cc kho n vay tr n n c ngoi. Ph i h p v i cc n v c lin quan theo di ho t ng c a t ch c, ngn hng n c ngoi c quan h v i NH A. - Tham gia th m nh cc d n tn d ng v b o lnh tn d ng n c ngoi. - L p h s php l theo quy nh, qu n l h n m c, theo di ki m tra qu trnh th c hi n d n b o lnh vay v n n c ngoi. - Th c hi n ch bo co nh k v t xu t theo quy nh. (v) Trung tm Phng ng a v x l r i ro Ch c nng Trung tm PN & XLRR c ch c nng tham mu cho HQT v T ng gim c v thu th p, cung c p, lu tr v phn tch thng tin phng ng a r i ro, t ng h p v x l r i ro trong ho t ng kinh doanh c a ton h th ng NH A. Nhi m v : - T ch c xy d ng chi n l c phng ng a v x l r i ro trong ho t ng kinh doanh c a NH A. - D th o cc vn b n quy nh c a NH A v thng tin phng ng a v x l r i ro. - T ch c khai thc thng tin lin quan n ho t ng c a NH A trong kinh doanh ti n t , tn d ng v d ch v ngn hng t cc phng ti n thng tin i chng, cc m ng thng tin i n t c a Vi t Nam v c a th gi i. - Lm u m i quan h v i Trung tm TTTD NHNN, cc Trung tm thng tin c a cc NHTM khc, cc B , Ngnh c lin quan v cng tc phng ng a r i ro. - T ng h p, phn tch, theo di thng tin r i ro trong kinh doanh, nghin c u v th c hi n cc bi n php phng ng a r i ro trong ho t ng kinh doanh c a NH A. - u m i ti p nh n h s, t ng h p v trnh H i ng ho c c p c th m quy n quy t nh x l r i ro trong ho t ng kinh doanh c a NH A. S TAY TN D NG NDTD ST caohockinhte.info
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(vi) Cng ty qu n l n v khai thc ti s n Ch c nng Cng ty qu n l n v khai thc ti s n c ch c nng qu n l n v khai thc TSB t n ng do NH A giao; nghin c u, d th o cc quy nh, quy trnh nghi p v lin quan n vi c ti p nh n, qu n l cc kho n n t n ng v TSB n vay do NH A giao khai thc, x l, thu h i v n nhanh nh t trnh NH A. Nhi m v : + Ti p nh n, qu n l cc kho n n x u, n t n ng (bao g m: n c ti s n b o m v khng c TSB) v TSB n vay (ti s n b o m; ti s n gn n ; ti s n To n giao cho NH A) lin quan n cc kho n n c a NH A x l, thu h i v n nhanh nh t. Hon thi n h s, th t c c lin quan n cc kho n n theo quy nh c a php lu t, trnh Ban ch o c c u ti chnh NHTM c a Chnh ph xem xt, trnh Th t ng Chnh ph cho php NH A c x l. Ch ng bn cc TSB n cho vay thu c quy n nh o t c a NH A giao cho Cng ty qu n l v khai thc theo gi th tr ng (gi bn ti s n c th cao ho c th p hn gi tr n t n ng) theo hnh th c sau: o T bn cng khai trn th tr ng. o Bn qua Trung tm d ch v bn u gi ti s n. o Bn cho Cng ty mua, bn n c a nh n c. L p v t ch c th c hi n n c c u l i n t n ng c NH A giao b ng cc bi n php: Gin n , mi n gi m li su t, u t thm, chuy n i n thnh v n gp theo ch o c a NH A. S d ng ngu n v n c a Cng ty x l TSB n vay c giao qu n l v khai thc b ng cc bi n php thch h p: C i t o, s a ch a, nng c p ti s n bn, cho thu, khai thc kinh doanh. Ring gp v n, lin doanh b ng ti s n th c hi n theo n c a Cng ty khi c NH A ch p thu n. Mua, bn n t n ng c a cc TCTD khc, c a cc cng ty qu n l n v khai thc ti s n c a NHTM khc theo quy nh c a php lu t. Nghin c u, xu t, ki n ngh v i cc c quan nh n c c th m quy n xem xt, s a i, b sung, ban hnh cc quy nh, quy ph m php lu t lin quan trong qu trnh t ch c vi c qu n l n v khai thc TSB n vay. D th o cc vn b n h ng d n nghi p v lin quan n qu n l n v khai thc TSB n t n ng c NH A giao, trnh cc c p c th m quy n ph duy t.
+ +
+ +
+ +
T i Chi nhnh T ch c C c u qu n l tn d ng t i S Giao d ch v cc Chi nhnh NHNo & PTNT bao g m Phng Tn d ng v Phng th m nh, c th nh sau:
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S Giao d ch v Chi nhnh NHNo & PTNT c p I lo i I Chi nhnh NHNo & PTNT c p I lo i II v III Chi nhnh NHNo & PTNT c p II lo i IV Chi nhnh NHNo & PTNT c p II lo i V v c p III
Phng tn d ng Phng K ho ch Kinh doanh lm ch c nng tn d ng (ngoi ch c nng khc). Phng Tn d ng T Tn d ng
T Th m nh
Nhi m v Phng Tn d ng Cc Phng Tn d ng ho c Phng k ho ch kinh doanh lm ch c nng tn d ng ho c T tn d ng t i S Giao d ch v cc chi nhnh NHNo & PTNT c nh ng nhi m v sau: - Nghin c u xy d ng chi n l c khch hng tn d ng, phn lo i khch hng v xu t cc chnh sch u i i v i t ng lo i khch hng nh m, m r ng theo h ng u t tn d ng khp kn: s n xu t, ch bi n, tiu th , xu t kh u v g n tn d ng s n xu t, lu thng v tiu dng. - Phn tch kinh t theo ngnh, ngh kinh t k thu t, danh m c khch hng l a ch n bi n php cho vay an ton v t hi u qu cao. - Th m nh v xu t cho vay cc d n tn d ng theo phn c p u quy n. - Th m nh cc d n, hon thi n h s trnh NHNo & PTNT c p trn theo phn c p u quy n. - Ti p nh n th c hi n cc chng trnh, d n thu c ngu n v n trong n c, n c ngoi. Tr c ti p lm d ch v u thc ngu n v n thu c Chnh ph , b , ngnh khc v cc t ch c kinh t , c nhn trong v ngoi n c. - Xy d ng v th c hi n cc m hnh tn d ng th i m, th nghi m trong a bn, ng th i theo di, nh gi, s k t, t ng k t; xu t T ng gim c cho php nhn r ng. - Th ng xuyn phn lo i d n , phn tch n qu h n, tm nguyn nhn v xu t h ng kh c ph c. - Gip Gim c chi nhnh ch o, ki m tra ho t ng tn d ng c a cc chi nhnh NHNo & PTNT tr c thu c trn a bn. Nhi m v Phng Th m nh t i chi nhnh c p I - Thu th p, qu n l, cung c p nh ng thng tin ph c v cho vi c th m nh v phng ng a r i ro tn d ng. - Th m nh cc kho n vay do Gim c Chi nhnh c p I quy nh, ch nh theo u quy n c a T ng gim c v th m nh nh ng mn vay v t quy n phn quy t c a Gim c chi nhnh c p d i. - Th m nh cc kho n vay v t m c phn quy t c a Gim c Chi nhnh c p I, ng th i l p h s trnh T ng gim c (qua b n th m nh) xem xt ph duy t. - Th m nh kho n vay do T ng gim c quy nh ho c do Gim c Chi nhnh c p I quy nh trong m c phn quy t cho vay c a Gim c Chi nhnh c p I. - T ch c ki m tra cng tc th m nh c a Chi nhnh. S TAY TN D NG NDTD ST caohockinhte.info
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T p hu n nghi p v cho cn b th m nh. Th c hi n ch thng tin, bo co theo quy nh.
Nhi m v c a T Th m nh t i chi nhnh c p II (lo i IV) - Thu nh p, qu n l, cung c p nh ng thng tin ph c v cho vi c th m nh v phng ng a r i ro tn d ng. - Th m nh cc kho n vay do Gim c Chi nhnh c p II quy nh, ch nh theo u quy n c a Gim c Chi nhnh c p I v th m nh nh ng mn vay v t quy n phn quy t c a Gim c chi nhnh c p d i. - Th m nh cc kho n vay v t m c phn quy t c a Gim c Chi nhnh c p II, ng th i l p h s trnh Gim c Chi nhnh c p I (qua Phng th m nh) xem xt ph duy t. - Th m nh kho n vay do T ng gim c quy nh ho c do Gim c Chi nhnh c p I quy nh trong m c phn quy t cho vay c a Gim c Chi nhnh c p I ho c do Gim c Chi nhnh c p II quy nh trong m c phn quy t cho vay c a Gim c Chi nhnh c p II. - T ch c ki m tra cng tc th m nh c a Chi nhnh. - Th c hi n ch thng tin, bo co theo quy nh. 3.2.4. Ki m tra v gim st tn d ng c l p a) T i Trung tm i u hnh Ki m tra v gim st tn d ng c l p l m t b ph n thu c Ban ki m tra, ki m ton n i b , ho t ng hon ton c l p v i cc Ban nghi p v tn d ng nh m m b o qu n l r i ro tn d ng m t cch khch quan. Thnh vin Ki m tra v gim st tn d ng c l p l cc cn b ph i c t i thi u 7 nm kinh nghi m v tn d ng. Nhi m v : B ph n Ki m tra v gim st tn d ng c l p Trung tm i u hnh NH A c nh ng nhi m v sau: nh gi m c r i ro c a danh m c tn d ng v quy trnh qu n tr r i ro t gc kinh doanh c a t ng phng ban nghi p v t i Trung tm i u hnh. Th ng xuyn ki m tra v nh gi vi c nghim tc ch p hnh php lu t, cc quy nh c a NHNN VN v cc quy nh v chnh sch c a NH A trong lnh v c tn d ng nh m k p th i pht hi n nh ng vi ph m, sai l ch v khuy t i m trong ho t ng tn d ng, t xu t cc bi n php ch n ch nh s a ch a, kh c ph c c hi u qu . Ki m sot ho t ng tn d ng trong ton h th ng NH A. nh k, ti n hnh cc cu c ki m tra v ho t ng tn d ng c a cc chi nhnh NH A. ra cc bi n php phng ng a trnh vi ph m m i pht sinh. a ra cc ki n ngh c i thi n cc chnh sch, quy nh, v th t c ln cc Phng ban nghi p v v nghin c u v th c hi n. Bo co k p th i v i T ng Gim c, HQT v Ban Ki m sot theo nh k ho c t xu t theo yu c u;
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Lm u m i ti p xc v ph i h p lm vi c v i thanh tra, ki m tra, ki m ton c a cc ngnh, cc c p v Thanh tra NHNN i v i NH A. b) T i Chi nhnh
B ph n Ki m tra v gim st tn d ng c l p t i cc Chi nhnh NHNo & PTNT lo i I v II tr c thu c Phng Ki m tra, ki m ton n i b c a Chi nhnh, c l p v i cc Phng nghi p v tn d ng. T i cc Chi nhnh NHNo & PTNT lo i III v IV khng c Phng Ki m tra, ki m ton n i b nn ch b tr cn b kim nhi m lm cng tc ki m tra v gim st tn d ng, c l p v i phng / t tn d ng. Trch nhi m B ph n ho c Cn b kim nhi m Ki m tra v gim st tn d ng c l p t i chi nhnh NHNo & PTNT c nh ng nhi m v sau: nh gi m c r i ro c a danh m c tn d ng v quy trnh qu n tr r i ro t gc kinh doanh c a t ng phng ban nghi p v t i Chi nhnh. Th ng xuyn ki m tra v nh gi vi c nghim tc ch p hnh php lu t, cc quy nh c a NHNN VN v cc quy nh v chnh sch c a NH A trong lnh v c tn d ng t i chi nhnh nh m k p th i pht hi n nh ng vi ph m, sai l ch v khuy t i m trong ho t ng tn d ng, t xu t cc bi n php ch n ch nh s a ch a, kh c ph c c hi u qu . nh k, ti n hnh ki m tra ki m sot v ho t ng tn d ng t i chi nhnh. ra cc bi n php phng ng a trnh vi ph m m i pht sinh. a ra cc ki n ngh c i thi n cc chnh sch, quy nh, v th t c ln Trung tm i u hnh nghin c u v th c hi n. Lm u m i ti p xc v ph i h p lm vi c v i ki m tra, ki m ton Trung tm i u hnh, bn ngoi v thanh tra NHNN. Lm bo co theo ch c nng nhi m v c a phng theo nh k ho c t xu t theo yu c u c a Gim c v Trung tm i u hnh;
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4. Ph l c
PH L C 2A S QUY TRNH TN D NG CHUNG
Xc nh th tr ng v cc th tr ng m c tiu
XU T TN D NG
NHU C U KHCH HNG
1.
TH M NH M c ch vay HKD Qu n l S li u
THNG L NG K h n Thanh ton Cc i u kho n B o m ti n vay Cc v n khc
2.
PH DUY T Cn b qu n tr r i ro Gim c/T ng gim c
Ti p nh n yu c u khch hng Tm hi u tri n v ng Tham kh o ki n bn ngoi
2.1
TH T C H
S & GI I NGN
TH T C H
GI I NGN Th t c h s hon t t Chuy n ti n
D th o h p ng Xem xt h s Ki m tra ti s n b o m Mi n b gi y t phpl Cc v n khc
QU N L DANH M C
QU N L TD S li u Cc i u kho n B o m ti n vay Thanh ton nh gi tn d ng
Tr n ng h n
THANH TON Tr g c Tr li
D u hi u b t th ng
Nh n bi t s m T N TH T Chnh sch x l Qu n l Khng tr n g c D u hi u c nh bo PH L C 2B. Khng tr n li C g ng thu h i n Bi php T l CnC U phpCH C B MY QU N L TN D NG Ti c c u
X L
S T i Trung tm i u hnh:
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H i ng qu n tr
T ng Gim c Ki m tra gim st tn d ng c l p Ph T ng Gim c ph trch tn d ng
Ban Th m nh d n
Ban Qu n l D n UTT
Ban Quan h qu c t
Ban Tn d ng
Trung tm Phng ng a v x l r i ro
Cng ty qu n l n v khai thc ti s n
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T i Chi nhnh cc c p
Gim c Chi nhnh
Ki m tra gim st tn d ng cl p chi nhnh
Phng (T ) Tn d ng
Phng (T ) th m nh
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CHNG III. PHN C P QUY N PHN QUY T PH DUY T TN D NG
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CHNG III. PHN C P TH M QUY N PH DUY T TN D NG

A. C C U CHNG 1. M c ch 2. Nguyn t c phn c p th m quy n ph duy t tn d ng 3. Quy n phn quy t c a cc c p th m quy n
3.1. T ng Gim c NH A 3.2. Gim c Chi nhnh NH A 3.3. Bi u Phn c p th m quy n ph duy t h n m c cho m t khch hng
4. Quy trnh ph duy t m t giao d ch tn d ng

4.1. Quy trnh ph duy t 4.2. Th i gian th m nh/ti th m nh v quy t nh cho vay
5. Xy d ng v phn b h n m c t p trung tn d ng
5.1. Nguyn t c 5.2. Quy trnh xy d ng v ph duy t h n m c t p trung tn d ng
6. Thay i h n m c tn d ng 7. Cc m c phn quy t v gia h n n (g c v li) v i u ch nh k h n n
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B. N I DUNG CHNG 1. M c ch Vi c phn c p th m quy n ph duy t tn d ng nh m m c ch xc nh quy n phn quy t tn d ng. Quy n phn quy t tn d ng c phn b cho nh ng c p b c cn b c kinh nghi m, kh nng phn xt v tnh nh t qun c n thi t nh gi chu n xc m c r i ro v l i ch lin quan khi ph duy t m t giao d ch tn d ng ho c m t chng trnh tn d ng. 2. Nguyn t c phn c p th m quy n ph duy t tn d ng a) Quy n phn quy t tn d ng l quy n ph duy t m c cho vay cao nh t i v i 1 khch hng. NH A phn c p cho cc chi nhnh quy n phn quy t cho vay t i a i v i m t khch hng c quan h tr c ti p v i NH A trn a bn ph h p v i cc yu c u i u ki n sau: - Ph h p v i m ng l i ho t ng c a NH A. - m b o vi c cho vay chnh xc k p th i ph c v khch hng, th c hi n theo nh h ng c a NH A. - H n ch n m c th p nh t r i ro trong ho t ng tn d ng. Quy t nh phn c p th m quy n ph duy t tn d ng ph i c lm b ng vn b n v xem xt l i hng nm. b) M c phn quy t cho vay t i a c xc nh i v i m t khch hng d a trn nguyn t c sau: - Tnh ch t, kh nng ho t ng c a t ng thnh ph n kinh t . - M c ph c t p c a i t ng cho vay. - Trnh qu n l, m c thu nh n thng tin c a t ng lo i Chi nhnh ngn hng. - M c c nh tranh gi a cc TCTD trn cng m t a bn. - Gi i h n cho vay t i a i v i m t khch hng theo quy nh c a php lu t c) M c phn quy t cho vay t i a bao g m: S ti n Ngn hng b o lnh; d n cho vay ng n, trung, di h n b ng n i t , ngo i t t ngu n v n c a NH A (ngo i t c quy i thnh n i t theo t gi c a Ngn hng Ngo i thng Vi t Nam cng b t i th i i m cho vay) d) Khi kho n vay c nhu c u vay v t quy n phn quy t, CBTD t i NHCV ph i l p h s theo quy nh g i NHNo c p trn xem xt ph duy t. Ch khi c thng bo c a b c ph duy t c p trn, n v ti p nh n h s xin vay c a khch hng m i c th c hi n gi i ngn. 3. Quy n phn quy t c a cc c p th m quy n
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HQT NH A c quy n cao nh t trong vi c phn c p quy n phn quy t tn d ng v phn c p trch nhi m quy n h n nh sau: 3.1. T ng Gim c NH A 3.1.1. T ng Gim c NH A c th c hi n quy n phn quy t m c cho vay t i a i v i m t khch hng ph h p v i quy nh kh ng ch c a php lu t. Tr ng h p d n c m c v n vay v t m c th m quy n, T ng Gim c NH A ph i trnh Th ng c NHNN ph duy t. 3.1.2. T ng Gim c NH A c u quy n m c phn quy t cho vay i v i Ph T ng gim c nhng t i a khng v t qu m c cho vay t i a quy nh t i i m 3.1.1. U quy n m c phn quy t cho vay i v i Ph T ng Gim c ph i c th c hi n b ng vn b n v i nh ng n i dung c th r rng. 3.1.3. Quy t nh cho vay do T ng Gim c NH A ho c ng i c T ng gim c NH A u quy n th c hi n v ch u trch nhi m v quy t nh cho vay hay khng cho vay c a mnh. 3.2. Gim c Chi nhnh NH A 3.2.1. T ng gim c NH A quy nh gi i h n t i a ph duy t tn d ng i v i Gim c chi nhnh lo i I, II v S giao d ch trong ton h th ng NH A. 3.2.2. Gim c chi nhnh ngn hng lo i I, lo i II c u quy n m c phn quy t cho vay i v i Ph Gim c nhng t i a b ng m c phn quy t cho vay quy nh t i i m 3.2.1. 3.2.3. Gim c chi nhnh lo i I, lo i II c u quy n phn c p phn quy t m c cho vay t i a cho cc chi nhnh lo i III, IV trn a bn qu n l trong ph m vi c phn c p i m 3.2.1. 3.2.4. Gim c chi nhnh ngn hng lo i III, lo i IV c u quy n m c phn quy t cho vay i v i Ph Gim c nhng t i a b ng m c phn quy t cho vay quy nh t i i m 3.2.3. 3.2.5. U quy n m c phn quy t cho vay i v i cc c p ph i c th c hi n b ng vn b n v i nh ng n i dung c th r rng. 3.2.6. Cc chi nhnh lo i I, II khi pht hi n Chi nhnh tr c thu c vi ph m quy n phn quy t cho vay th Ngn hng c p trn s xem xt gi m quy n phn quy t cho vay t i a phn c p.
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3.2.7. Tr ng h p cc chi nhnh lo i I, II vi ph m quy n phn quy t cho vay th HQT NH A s xem xt gi m quy n phn quy t cho vay phn c p. 3.3. Bi u phn c p th m quy n ph duy t h n m c cho m t khch hng H n m c cho vay i v i m i khch hng c xc nh khc nhau tu theo i m tn nhi m tng ng v i t ng khch (i m tn nhi m c tnh ton c xem xt t i cc y u t r i ro nh l ng v nh tnh xem Chng V H th ng tnh i m tn d ng v x p h ng khch hng). Tu theo yu c u tn d ng, i m tn nhi m khc nhau, t ng c p th m quy n c quy n ph duy t nh ng m c khc nhau theo bi u phn c p th m quy n xy d ng theo m hnh sau y:
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H n m c ph duy t tn d ng i v i m t khch hng tng x ng v i i m tn nhi m c a khch hng (hng ngang) v yu c u tn d ng c a khch hng (hng d c). Cc c p th m quy n c li t k trong c t u tin: H N M C PH DUY T TN D NG n v : t VND C p th m quy n T ng Gim c NH A ho c ng i c u quy n Yu c u tn d ng / S ti n t i a 1
(a)
Phn lo i khch hng theo i m tn d ng 2 3 4 5 6 7-10
Vay m i / tng h n m c(b) / v t h n m c t m th i (c) Gia h n (d) / s a i (e) / Quay vng (f) / nh gi l i h n m c (g) Mi n gi m li ph H n m c thanh ton H n m c tr c thanh ton Gim c S Vay m i / tng h n giao d ch / Chi m c / v t h n nhnh NH A m c t m th i
(h)
Gia h n / s a i / Quay vng / nh gi l i h n m c Mi n gi m li ph H n m c ph duy t tn d ng c a T ng Gim c i v i m t khch hng c i m tn nhi m b ng 1 b ng v i m c cho vay t i a i v i m t khch hng.
(b) (a)
xu t ph duy t kho n vay m i: p d ng cho m t khch hng m i (ngha l hi n t i khng c h n m c) xu t v t h n m c t m th i: i km v i xu t gi i ngn s ti n v t h n m c duy t. xu t gia h n
(c)
(d)
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(e)
Ngy nh gi l i h n m c Ngy o h n c a h n m c
xu t s a i: p d ng v i - Nh ng thay i trong c c u c a m t quan h tn d ng hi n t i, ch ng h n thay i hay b sung h n m c ph , thay i lo i ti n, thay i hnh th c / lo i kho n vay, k h n, hnh th c b o m/ th ch p,
xu t quay vng kho n cho vay: ch p d ng cho cc tr ng h p quay vng nh ng kho n vay c k h n ban u 1 nm tr xu ng. N u c nh ng thay i g lin quan, xu t ny v a c coi l quay vng, v a c coi l s a i.
(g)
(f)
xu t nh gi l i h n m c: p d ng cho nh ng h n m c hi n t i c k h n ban u t 1 nm tr ln v khng c thay i g v cc i u kho n i u ki n duy t tr c . N u thay i g lin quan, xu t ny v a c coi l nh gi l i, v a c coi l s a i. C n phn b h n m c khc nhau cho cc c p chi nhnh khc nhau.
(h)
4. Quy trnh ph duy t m t giao d ch tn d ng (cho vay ho c b o lnh) 4.1. Quy trnh ph duy t Vi c ph duy t m t giao d ch cho vay ho c b o lnh c th c hi n theo quy trnh sau:
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a) D n trong quy n phn quy t
Cn b th m nh tn d ng Nghin c u, th m nh khch hng vay v n
(1)
Lnh o phng (t ) tn d ng
Ki m tra h s khch hng, th m nh l i
Gim c
(2)
Ph duy t / khng ph duy t cho vay
(1) T trnh (kim bo co th m nh) xu t cho vay / khng cho vay + H s vay v n (2) T trnh (kim bo co th m nh) xu t cho vay / khng cho vay (c ki n nh n xt) + H s vay v n Cn b th m nh tn d ng: - Phn tch th m nh khch hng vay v n v d n/phng n - L p t trnh kim bo co th m nh - xu t cho vay/khng cho vay - Chuy n h s vay v n + t trnh kim bo co th m nh + xu t cho vay / khng cho vay cho Lnh o Phng tn d ng Lnh o Phng tn d ng - Ki m tra l i ton b h s vay v n, t trnh c a cn b th m nh tn d ng, cho ki n trn t trnh th m nh v vi c cho vay/ khng cho vay trnh Gim c ho c ng i c u quy n h p php xem xt quy t nh. Gim c S Giao d ch/chi nhnh NH A ho c ng i c u quy n h p php Xem xt t trnh kim bo co th m nh v xu t c a Phng tn d ng quy t nh v vi c cho vay/khng cho vay. N u c n thi t, Gim c S Giao d ch/ chi nhnh NH A c th quy t nh thnh l p t ti th m nh (bao g m t nh t 2 thnh vin) th m nh l i phng n/d n. T ti th m nh ti n hnh th m nh v l p t trnh th m nh. Gim c S Giao d ch ho c chi nhnh NH A xem xt t trnh quy t nh cho vay / khng cho vay.
b) D n v t quy n phn quy t N u gi tr giao d ch v t th m quy n ph duy t, Gim c NHCV trnh ln Ngn hng c p trn quy t nh. Khi c Ngn hng c p trn ng (thng bo b ng vn b n), Ngn hng c p d i m i c th c hi n. Tr ng h p pht hi n th y kh nng u t khng m b o an ton, Gim c chi nhnh c quy n t ch i cho vay v bo co k p th i ln Ngn hng c p trn (ni ph duy t d n bi t).
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4.2. Th i gian th m nh/ti th m nh v quy t nh cho vay a) Cc d n trong quy n phn quy t: - Trong th i gian khng qu 05 ngy lm vi c i v i cho vay ng n h n v khng qu 15 ngy lm vi c i v i cho vay trung, di h n k t khi NHCV nh n c y h s vay v n h p l v thng tin c n thi t c a khch hng, NHCV ph i quy t nh v thng bo vi c cho vay hay khng cho vay v i khch hng. N u quy t nh khng cho vay, NHCV ph i thng bo v i khch hng b ng vn b n trong nu r l do t ch i cho vay. b) Cc d n v t quy n phn quy t: - Trong th i gian khng qu 05 ngy lm vi c i v i cho vay ng n h n v khng qu 15 ngy lm vi c i v cho vay trung di h n k t ngy NHCV nh n c y h s vay v n h p l v thng tin c n thi t c khch hng, NHCV ph i lm y th t c trnh ln NHNo & PTNT c p trn. - Trong th i gian khng qu 05 ngy lm vi c i v i cho vay ng n h n v khng qu 15 ngy lm vi c i v cho vay trung di h n k t ngy nh n c y h s trnh, NHNo & PTNT c p trn ph i thng bo ch thu n ho c khng ch p thu n. c) Th i gian ti th m nh m t kho n vay c ch nh khng qu 03 ngy ng n h n v khng qu 05 ngy i v i cho vay trung-di h n. ngoi th i gian th m nh chnh ni trn.
i a i p
i v i cho vay Th i gian ti th m nh ny n m
NHCV c trch nhi m nim y t cng khai th i h n t i a th m nh cho vay theo quy nh t i i m a), b) v c) ni trn. 5. Xy d ng v phn b h n m c t p trung tn d ng Ban tn d ng s quy t nh thi t l p cc h n m c xc nh t p trung trong c c u danh m c tn d ng d a trn m c r i ro c th ch p nh n c c a ton h th ng ngn hng, tnh ton cn i ngu n v n v nh gi th tr ng. Vi c t ra cc h n m c ny s gip cho ngn hng trnh c s cho vay t p trung qu m c vo m t lnh v c, ngnh ngh , nhm khch hng ho c a bn no v m b o r ng khng c ti s n (hay m t nhm) ti s n no ho c tr ng thi r i ro no c th gy nh h ng n k t qu kinh doanh cu i cng c a ton b h th ng. Sau y l nguyn t c v quy trnh xy d ng v phn b h n m c theo c c u danh m c tn d ng: 5.1. Nguyn t c Hng nm, h n m c t p trung tn d ng ph i c thi t l p t nh t l theo cc y u t r i ro sau: - Khch hng - Ngnh hng Ngoi ra, c th thi t l p h n m c t p trung tn d ng theo cc y u t r i ro khc nh: - B o m ti n vay: cho vay c b o m v cho vay khng c b o m - Th i h n vay S TAY TN D NG NDTD ST caohockinhte.info
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S n ph m
Cc h n m c t p trung tn d ng l p theo cc y u t r i ro ni trn ph i m b o ph h p tng x ng v i phn o n th tr ng v i t ng khch hng m c tiu, a bn ho t ng v nng l c qu n l c a t ng chi nhnh.Cc h n m c t p trung tn d ng ny c tnh b ng t tr ng c a danh m c tn d ng c a NHCV. Cc NHCV c trch nhi m gim st v bo co nh k m b o r ng danh m c tn d ng c a h c kh ng ch trong gi i h n c ph chu n. 5.2. Quy trnh xy d ng v ph duy t h n m c t p trung tn d ng 5.2.1. M c tn d ng t i a i v i m t khch hng M c tn d ng t i a i v i m t khch hng c xy d ng theo nguyn t c sau: m b o tun th theo quy nh c a NHNN VN.
m b o l n c a h n m c tng x ng v i i m tn nhi m c a khch hng (ngha l ph h p v i quy m, nng l c ti chnh, c a t ng khch hng). T i Trung tm i u hnh NH A
Ban Tn d ng
Ban K ho ch t ng h p Trung tm phng ng a v x l r i ro
xu t
T ng Gim c K ban hnh
T i S giao d ch / chi nhnh NH A: Phng Tn d ng xu t Gim c K ban hnh
Th m quy n xc nh m c cho vay t i a i v i m t khch hng c a Gim c Chi nhnh NHNo & PTNT n m trong gi i h n m c u quy n phn quy t cho vay i v i m t khch hng c a T ng Gim c NH A. 5.2.2. H n m c t p trung tn d ng phn b theo ngnh hng
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Cc ngnh hng trn danh m c tn d ng c a NH A c phn b theo cc nhm chnh sau: - Nng nghi p - Lm nghi p - Ng nghi p - Xy d ng - Cng nghi p - Nng l ng - Giao thng v n t i - Vi n thng - D ch v : khch s n, du l ch, - B t ng s n - Khai thc m - Thu s n - Ngnh khc Cch th c phn b d n theo ngnh hng c th c hi n theo nguyn t c: Xc nh d n thu c ngnh no cn c vo m c ch vay v n c a d n s n xu t kinh doanh xin vay. N u doanh nghi p vay p ng nhu c u v n lu ng th xc nh d n thu c ngnh no cn c vo ngnh ngh kinh doanh c a doanh nghi p. N u doanh nghi p vay v n kinh doanh a ngnh ngh , ti n hnh phn b theo ngnh ngh chnh c a doanh nghi p.
Quy trnh xy d ng v qu n l h n m c t p trung tn d ng phn b theo ngnh hng Hng nm, NHCV xy d ng h n m c t p trung tn d ng theo quy trnh sau: (1) Tr ng phng Tn d ng l p xu t h n m c t p trung tn d ng cho danh m c tn d ng c a NHCV. xu t ny ph i i km b n thuy t minh v i n i dung l do, cn c xu t phn tch c c u ngnh hng trn danh m c tn d ng c a NHCV trong qu kh . phn tch c c u ngnh hng theo k ho ch kinh doanh c a nm xu t h n m c. phn tch nhu c u v n c a cc ngnh hng trong n n kinh t .
(2) Gim c NHCV thng qua b n xu t. (3) Trnh xu t ln Trung tm i u hnh NH A xin ph duy t Sau khi h n m c t p trung tn d ng phn b theo ngnh hng c a NHCV c Trung tm i u hnh ph duy t, NHCV qu n l h n m c t p trung tn d ng theo cch th c sau:
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M ha cc kho n vay theo ngnh hng nh m t ng ha vi c phn lo i kho n vay trn h th ng my tnh c a chi nhnh. L p m c c nh bo vi ph m h n m c (ch ng h n, m c c nh bo 80% ngha l khi t ng d n c a m t ngnh hng t t i 80% h n m c, h th ng t ng c nh bo cho cn b qu n l tn d ng). Tr c khi xu t m t kho n vay m i cho khch hng, CBTD n p th vo h th ng. N u khng v t h n m c, CBTD ti p t c ti n hnh cc th t c xu t cho vay. N u v t h n m c, CBTD l p t trnh xin tng h n m c Trung tm i u hnh xem xt ph duy t v ch ti p t c ti n hnh cc th t c xu t cho vay khi c ph duy t tng h n m c c a Trung tm i u hnh . Khi d n c a m t ngnh hng t t i m c xu t hi n d u hi u c nh bo, CBTD ph i cn i, l a ch n u tin cho kho n xin vay no khng lm tng h n m c trnh ph duy t tr c. NHCV ph i ban hnh quy nh h ng d n v ch theo di, th ng k v bo co v nh gi nh k v tnh hnh s d ng h n m c t p trung tn d ng rt kinh nghi m cho vi c xu t l p h n m c t p trung tn d ng c a nm sau.
5.2.3. H n m c t p trung tn d ng phn b theo cc y u t r i ro khc Quy trnh xy d ng v qu n l h n m c t p trung tn d ng phn b theo cc y u t r i ro khc c th c hi n tng t nh i v i y u t ngnh hng nu trn. 6. Thay i h n m c tn d ng Tr ng h p khch hng c nhu c u tng h n m c tn d ng ho c khch hng m i quan h tn d ng ph i c Gim c NHCV duy t h n m c tn d ng b sung. Khi ph duy t yu c u tng h n m c tn d ng c a khch hng, cn b ph duy t ph i tun th theo m c phn quy t quy nh. N u m c tn d ng b sung v t th m quy n ph duy t, lnh o NHCV trnh Ngn hng c p trn xt duy t. 7. Cc m c phn quy t v gia h n n (g c v li) v i u ch nh k h n n Gim c NHCV xem xt quy t nh cho gia h n n ho c i u ch nh k h n tr n trong ph m vi c u quy n. Tr ng h p c n thi t, Gim c NHCV c th tri u t p h p H i ng t v n tn d ng quy t nh. Tr ng h p khch hng ngh gia h n n v t m c u quy n, chi nhnh NHNo & PTNT c vn b n (km theo h s, th t c gia h n n ho c i u ch nh k h n n ) trnh T ng gim c xem xt quy t nh. S TAY TN D NG NDTD ST caohockinhte.info
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Xem chi ti t m c phn quy t t i Bi u phn c p th m quy n.
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CHNG IV. CHNH SCH TN D NG CHUNG
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A. C C U CHNG 1. M c tiu c a chnh sch tn d ng 2. N i dung c a chnh sch tn d ng chung
2.1. 2.2. 2.3. 2.4. 2.5. 2.6. 2.7. 2.8. 2.9. 2.10. 2.11. 2.12. 2.13. 2.14. 2.15. 2.16. 2.17. Quy n t ch c a NH A i t ng khch hng vay t i NH A Nh ng i t ng v nhu c u v n khng c cho vay H n ch cho vay Nguyn t c v i u ki n vay v n Phng th c cho vay Cn c xc nh m c ti n cho vay Quy nh v tr n g c v li vay i u ch nh k h n tr n / chuy n n qu h n Cn c xc nh li su t cho vay, li su t u i, li su t qu h n Cn c xc nh th i h n v th lo i cho vay ng ti n cho vay v thu n Quy nh qu n l ngo i h i c a nh n c v cho vay b ng ngo i t i v i khch hng vay l ng i c tr Quy n v ngha v c a ng i vay v ng i cho vay Chnh sch u i khch hng Chnh sch c nh tranh / marketing Cho vay theo cc m c ch v i t ng c bi t
3. B sung, s a i chnh sch tn d ng trong t ng th i k 4. Ph l c
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B. N I DUNG CHNG 1. M c tiu c a chnh sch tn d ng
Chnh sch tn d ng l h th ng cc ch trng, nh h ng quy nh chi ph i ho t ng tn d ng do HQT c a NH A a ra nh m s d ng hi u qu ngu n v n ti tr cho cc doanh nghi p, cc h gia nh v c nhn trong ph m vi cho php c a nh ng quy nh c a NHNN VN. M c ch c a chnh sch tn d ng: - Chnh sch tn d ng xc nh nh ng gi i h n p d ng cho cc ho t ng tn d ng. ng th i cng thi tr ng nh m gi m b t r i ro trong ho t ng tn d ng. - Chnh sch tn d ng c a ra nh m b o m r ng m i quy t nh tn d ng (quy t nh ti tr khch quan, tun th quy nh c a NHNN VN v ph h p thng l chung c a qu c t . Khng m t t nhn no c can thi p tri php lu t vo quy n t ch trong qu trnh cho vay v thu h i n c Chnh sch tn d ng xc nh: + Cc i t ng c th vay v n c a NH A + Phng th c qu n l cc ho t ng tn d ng + Nh ng rng bu c v ti chnh + Cc lo i s n ph m tn d ng khc nhau do ngn hng cung c p + Ngu n v n dng ti tr cho cc ho t ng tn d ng + Phng th c qu n l danh m c cho vay + Th i h n v i u ki n p d ng cho cc lo i s n ph m tn d ng khc nhau 2. N i dung c a chnh sch tn d ng chung t l p mi v n) u ch c, c a NH A.
2.1 Quy n t ch c a NHNo & PTNT VN NH A t ch u trch nhi m v quy t nh trong cho vay c a mnh; khng m t t ch c c nhn no c can thi p tri php lu t vo quy n t ch trong qu trnh cho vay v thu h i n c a NH A. 2.2 i t ng khch hng vay t i NH A 2.1.1. Khch hng doanh nghi p Vi t Nam - Cc php nhn l doanh nghi p nh n c, h p tc x, cng ty trch nhi m h u h n, cng ty c ph n, doanh nghi p c v n u t n c ngoi v cc t ch c khc c i u ki n quy nh t i i u 94 B lu t dn s . - Cc php nhn n c ngoi - Doanh nghi p t nhn - Cng ty h p danh 2.1.2. Khch hng dn c - C nhn - H gia nh S TAY TN D NG NDTD ST caohockinhte.info
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T h p tc
2.3
Nh ng i t ng v nhu c u v n khng c cho vay
2.3.1. Nh ng i t ng khng c cho vay - Thnh vin HQT, Ban Ki m sot, T ng Gim c, Ph T ng Gim c NH A; - Cn b , nhn vin c a NH A th c hi n nhi m v th m nh, quy t nh cho vay; - B , m , v , ch ng, con c a thnh vin HQT, Ban ki m sot, T ng Gim c, Ph T ng Gim c NH A; - Gim c, Ph Gim c S giao d ch, chi nhnh cc c p - V (ch ng), con c a Gim c, Ph Gim c S giao d ch, chi nhnh cc c p. 2.3.2. Nh ng nhu c u v n khng c cho vay - mua s m cc ti s n v cc chi ph hnh thnh nn ti s n m php lu t c m mua bn, chuy n nh ng, chuy n i; - thanh ton cc chi ph cho vi c th c hi n cc giao d ch m php lu t c m; - p ng cc nhu c u ti chnh c a cc giao d ch m php lu t c m; 2.4 H n ch cho vay - Ngn hng cho vay thu c h th ng NH A khng c cho vay khng c b o m b ng ti s n, cho vay v i nh ng i u ki n u i v li su t, m c cho vay, i v i nh ng i t ng sau: + + + T ch c ki m ton, ki m ton vin ang ki m ton t i NH A; K ton tr ng c a NH A; Thanh tra vin th c hi n nhi m v thanh tra t i NH A; Cc c ng l n c a NH A Doanh nghi p c m t trong nh ng i t ng quy nh t i i m 2.3.1 ni trn s h u trn 10% v n i u l c a doanh nghi p .
T ng d n cho vay i v i cc i t ng trn khng c v t qu 5% v n t c c a NH A.
2.5 Nguyn t c v i u ki n vay v n 2.5.1. Nguyn t c Khch hng vay v n c a NH A ph i m b o cc nguyn t c sau: - S d ng v n vay ng m c ch th a thu n trong h p ng tn d ng; - Ph i hon tr n g c v li ti n vay ng h n th a thu n trong h p ng tn d ng. - Ti n vay c pht b ng ti n m t ho c chuy n kho n theo m c ch s d ng ti n vay th a thu n trong h p ng tn d ng. i u ki n
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C nng l c php lu t dn s , nng l c hnh vi dn s v ch u trch nhi m dn s theo quy nh c a php lu t. i v i khch hng l php nhn v c nhn Vi t Nam Khch hng doanh nghi p a) Php nhn: c cng nh n l php nhn theo i u 94 v i u 96 B lu t Dn s v cc quy nh khc c a php lu t Vi t Nam. i v i doanh nghi p thnh vin h ch ton ph thu c: ph i c gi y u quy n vay v n c a php nhn tr c ti p qu n l. b) Doanh nghi p t nhn: Ch DNTN ph i c nng l c php lu t dn s , nng l c hnh vi dn s v ho t ng theo Lu t Doanh nghi p. c) Cng ty h p danh: Thnh vin h p danh c a cng ty h p danh ph i c nng l c php lu t dn s , nng l c hnh vi dn s v ho t ng theo Lu t Doanh nghi p. Khch hng c nhn d) H gia nh, c nhn - C tr (th ng tr, t m tr) t i a bn qu n, huy n, th x, thnh ph (tr c thu c t nh) ni NHCV ng tr s . Tr ng h p ng i vay ngoi a bn ni trn giao cho gim c S giao d ch, chi nhnh c p I quy t nh. N u ng i vay a bn li n k (thn, lng, b n) ngoi t nh, thnh ph tr c thu c trung ng, khi cho vay gim c NHCV ph i thng bo cho gim c Chi nhnh NHNo & PTNT ni ng i vay c tr bi t. - i di n cho h gia nh giao d ch v i NHCV l ch h ho c ng i i di n c a h ; ch h ho c ng i i di n ph i c nng l c php lu t dn s , nng l c hnh vi dn s . e) T h p tc: - Ho t ng theo i u 120 B lu t dn s ; - i di n c a t h p tc ph i c nng l c php lu t dn s v nng l c hnh vi dn s . 2.5.2.2. M c ch s d ng v n vay h p php 2.5.2.3. C kh nng ti chnh m b o tr n trong th i h n cam k t a) C v n t c tham gia vo d n, phng n s n xu t, kinh doanh, d ch v v i s ng.
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V n t c c tnh cho t ng nhu c u v n s n xu t, kinh doanh trong k ho c t ng l n cho m t d n, phng n s n xu t, kinh doanh, d ch v , i s ng. - M c v n t c c a khch hng tham gia vo d n, phng n s n xu t, kinh doanh, d ch v v i s ng c th nh sau: + Cho vay ng n h n: Khch hng ph i c v n t c t i thi u 10% trong t ng nhu c u v n. + Cho vay trung di h n: Khch hng ph i c v n t c t i thi u 20% trong t ng nhu c u v n. Tr ng h p khch hng c tn nhi m ( c ch m i m m c t t nh t), khch hng l h gia nh s n xu t nng, lm, ng, dim nghi p vay v n khng ph i b o m b ng ti s n, n u v n t c th p hn quy nh trn giao cho gim c NHCV quy t nh. b) Kinh doanh c hi u qu : c li; tr ng h p b l th ph i c phng n kh thi kh c ph c l m b o tr n trong th i h n cam k t. i v i khch hng vay v n ph c v nhu c u i s ng, ph i c ngu n thu n nh tr n ngn hng. c) Khng c n kh i ho c n qu h n trn 6 thng t i NH A. d) Khch hng ph i mua b o hi m ti s n y trong su t th i gian vay v n c a NHCV 2.5.2.4. C d n, phng n u t, s n xu t, kinh doanh, d ch v kh thi, c hi u qu ; ho c c d n u t; phng n ph c v i s ng km phng n tr n kh thi. 2.5.2.5. Th c hi n cc quy nh v b o m ti n vay theo quy nh c a Chnh ph , NHNN VN v h ng d n c a NH A . N u l h gia nh vay khng ph i p d ng bi n php b o m c n c gi y ch ng nh n quy n s d ng t; n u cha c c p ph i c xc nh n c a UBND x, ph ng v di n tch t ang s d ng khng c tranh ch p. i v i khch hng l php nhn v c nhn n c ngoi Ph i c nng l c php lu t dn s v nng l c hnh vi dn s theo quy nh php lu t c a n c m php nhn c qu c t ch ho c c nhn l cng dn, n u php lu t n c ngoi c B lu t Dn s c a n c CHXHCN Vi t Nam, cc vn b n php lu t khc c a Vi t Nam quy nh ho c c i u c qu c t m CHXHCN Vi t Nam k k t ho c tham gia quy nh.
2.6 Phng th c cho vay NH A p d ng cc phng th c cho vay sau:

2.6.1. 2.6.2. 2.6.3. 2.6.4. 2.6.5. 2.6.6. Cho vay t ng l n (xem Ph l c 4A) Cho vay theo h n m c tn d ng (xem Ph l c 4B) Cho vay theo d n u t (xem Ph l c 4C) Cho vay tr gp (xem Ph l c 4D) Cho vay thng qua nghi p v pht hnh v s d ng th tn d ng (xem Ph l c 4E) Cho vay theo h n m c tn d ng d phng (xem Ph l c 4F)
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2.6.7. 2.6.8. 2.6.9. 2.6.10.
Cho vay h p v n (xem Ph l c 4G) Cho vay theo h n m c th u chi (xem Ph l c 4H) Cho vay lu v (xem Ph l c 4I) Cho vay theo cc phng th c khc
Tu theo nhu c u c a khch hng v th c t pht sinh, NH A s xem xt cho vay theo cc phng th c khc ph h p v i c i m ho t ng trong t ng th i k v khng tri v i quy nh c a php lu t. 2.7 Cn c xc nh m c ti n cho vay
2.7.1. Cn c xc nh m c cho vay - Nhu c u vay v n c a khch hng. - M c v n t c c a khch hng tham gia vo d n, phng n s n xu t, kinh doanh, d ch v , i s ng (chi ti t nu t i 2.5.2.3.a) - T l cho vay t i a so v i gi tr ti s n b o m ti n vay theo quy nh v b o m ti n vay c a NH A. - Kh nng hon tr n c a khch hng vay. - Kh nng ngu n v n c a NH A nhng khng v t qu m c u quy n phn quy t cho vay c a T ng Gim c ho c Gim c NHCV. - M c cho vay khng c b o m i v i h nng dn, h p tc x v ch trang tr i ph i m b o tun th theo h ng d n c a Chnh ph v NHNN VN t i t ng th i k. 2.7.2. Gi i h n t ng d n cho vay i v i m t khch hng T ng d n cho vay i v i m t khch hng khng v t qu 15% v n t c c a NH A t i th i i m cho vay (tr tr ng h p cho vay t cc ngu n u thc c a Chnh ph , c a t ch c v c nhn ho c nh ng d n trnh v c Chnh ph ng cho vay v t 15% v n t c c a NH A). Hng qu v nm, Phng k ho ch t ng h p v Ban Ti chnh - k ton tnh ton xc nh chnh xc m c v n t c, tham mu cho T ng Gim c NH A k thng bo m c v n t c cho cc phng, ban Trung tm i u hnh v cc NHCV theo di th c hi n. Tr ng h p khch hng c nhu c u vay v t 15% v n t c c a NH A, qua th m nh d n ho c phng n vay v n th y m b o i u ki n cho vay, T ng gim c NH A k trnh Th ng c NHNN VN v Th t ng Chnh ph ph duy t.
2.8 Quy nh v tr n g c v li vay Cc k h n tr n (g c v li) c a kho n vay, g m c th i gian n h n, v s ti n g c tr n cho m i k h n c th a thu n gi a NH A v khch hng cn c vo: - c i m s n xu t, kinh doanh, d ch v . - Kh nng ti chnh, thu nh p v ngu n tr n c a khch hng S TAY TN D NG NDTD ST caohockinhte.info
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Cc thng bo v kho n n g c, li n h n c NHCV g i t i khch hng tr c t nh t 05 ngy. Khch hng c kh nng c th tr n tr c h n, s li ph i tr ch tnh t ngy vay n ngy tr n v NH A (Gim c S giao d ch, chi nhnh c p I) c quy t nh v th a thu n v i u ki n, s ph (n u c) i v i s ti n vay tr n tr c h n (cho th i gian cn l i theo h p ng tn d ng) nhng khng qu m c li v ph th a thu n trong h p ng tn d ng. NH A c th thu n tr c k h n n u: - Khch hng ng tr n tr c h n - Khch hng s d ng v n sai m c ch - Khch hng vi ph m cc cam k t v qu n l, s d ng ti s n b o m ti n vay c NH A giao cho qu n l. Li ti n vay c tnh theo s ngy th c t nh n n v s d n c a kho n vay. Khi n k h n tr n g c ho c li (bao g m c cc k tr n c th th a thu n trong h p ng tn d ng), n u khch hng khng tr n ng h n v khng c i u ch nh k h n n g c ho c li ho c khng c gia h n n g c ho c li th NH A c quy n ch ng trch ti kho n ti n g i c a khch hng thu n ho c chuy n ton b d n g c sang n qu h n v thng bo cho khch hng bi t (Xem M c 2.9. i u ch nh k h n tr n / Chuy n n qu h n)
2.9 i u ch nh k h n tr n / chuy n n qu h n 2.9.1 n k h n tr n g c trong th i h n cho vay th a thu n trong h p ng tn d ng, n u khch hng khng tr ng h n s n g c ph i tr c a k h n , NHCV s : - i u ch nh k h n ho c gia h n n theo yu c u (b ng vn b n) c a khch hng; ho c - Chuy n ton b s d n g c th c t cn l i c a h p ng tn d ng sang n qu h n. 2.9.2 Tr ng h p khch hng ngh gia h n n qu cc th i h n quy nh trn do nguyn nhn khch quan, Gim c NHCV xem xt kh nng v th i h n tr n c a khch hng c vn b n trnh T ng Gim c NH A xem xt, quy t nh 2.9.3 Tr ng h p khch hng khng tr h t n li ho c khng tr n li ng k h n th a thu n trong h p ng tn d ng, NHCV s - i u ch nh ho c gia h n n li theo yu c u b ng vn b n c a khch hng; ho c - Chuy n ton b s d n g c th c t cn l i c a h p ng tn d ng sang n qu h n. 2.9.4 n th i i m cu i cng c a th i h n cho vay th a thu n trong h p ng tn d ng, n u khch hng khng tr h t s n g c ho c n li ph i tr ng h n, NHCV s : - Gia h n n g c ho c gia h n n li th theo yu c u (b ng vn b n) c a khch hng; ho c - Chuy n ton b d n g c th c t cn l i c a h p ng tn d ng sang n qu h n. 2.9.5 Th i h n cho gia h n n (g c v/ho c li) i v i kho n vay ng n h n t i a b ng 12 thng. Th i h n cho gia h n n (g c v/ho c li) i v i kho n vay trung h n t i a b ng th i h n cho vay th a thu n trong h p ng tn d ng.
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2.9.6 i v i tr ng h p khch hng c kh nng ch m tr li v n vay m t s ngy lm vi c so v i k h n tr li th a thu n, NHCV c n th c hi n cc bi n php: ch ng n c khch hng vay tr n li ng h n; th a thu n v i khch hng nh k thu li ph h p v i chu k s n xu t, kinh doanh; ho c c th th a thu n trong h p ng tn d ng v vi c qu m t s ngy lm vi c nh t nh so v i k h n tr li m khch hng vay khng tr v khng c vn b n ngh gia h n n th NHCV chuy n n g c kho n vay sang n qu h n.
2.10 Cn c xc nh li su t cho vay, li su t u i, li su t qu h n 2.10.1. NHCV cng b bi u li su t cho vay c a mnh cho khch hng bi t. 2.10.2. NHCV v khch hng th a thu n, ghi vo h p ng tn d ng m c li su t cho vay trong h n v m c li su t p d ng i v i n qu h n: - M c li su t cho vay trong h n c th a thu n ph h p v i quy nh c a NHNN v quy nh c a NHCV v li su t cho vay t i th i i m k h p ng tn d ng. - M c li su t p d ng i v i kho n n g c qu h n do Gim c NHCV quy t nh theo nguyn t c cao hn li su t trong h n nhng khng v t qu 150% li su t cho vay trong h n c k k t ho c i u ch nh trong h p ng tn d ng. - i v i d n qu h n chuy n theo tr ng h p 2.8.1. v 2.8.3 ch p d ng li su t n qu h n i v i ph n d n g c c a k h n m khch hng khng tr ng h n; i v i ph n d n g c cha n k h n tr n nhng ph i chuy n n qu h n th NHCV p d ng li su t cho vay trong h n th a thu n tr c trong h p ng tn d ng. - i v i d n qu h n chuy n theo tr ng h p 2.8.4. th p d ng li su t n qu h n i v i ton b s d n g c chuy n n qu h n. 2.11 Cn c xc nh th i h n v th lo i cho vay 2.11.1. Th i h n NHCV v khch hng th a thu n th i h n cho vay cn c vo chu k s n xu t kinh doanh, th i h n thu h i v n c a phng n/d n u t, kh nng tr n c a khch hng v ngu n v n cho vay c a NHCV. i v i cc php nhn Vi t Nam v n c ngoi, th i h n cho vay khng qu th i h n ho t ng cn l i theo quy t nh thnh l p ho c gi y php ho t ng t i Vi t Nam; i v i c nhn n c ngoi, th i h n cho vay khng v t qu th i h n c php sinh s ng, ho t ng t i Vi t Nam. 2.11.2. Th lo i - Cho vay ng n h n l cc kho n vay c th i h n cho vay n 12 thng. - Cho vay trung h n l cc kho n vay c th i h n cho vay t trn 12 thng n 60 thng. - Cho vay di h n l cc kho n vay c th i h n cho vay t trn 60 thng tr ln.
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2.12 ng ti n cho vay v thu n NH A cho vay b ng VN v cc ngo i t m nh g m USD, EURO, GBP, v JPY. Cc lo i ngo i t khu v c bin gi i: Nhn dn t Trung qu c, Kp Lo, Rin Campuchia th c hi n cho vay theo quy nh c a NHNN VN v h ng d n c a T ng Gim c NH A . NH A khng tr c ti p pht ti n vay ngo i t b ng ti n m t cho khch hng vay m chuy n tr th ng cho nh cung c p hng ha, d ch v . Trong tr ng h p chuy n tr n c ngoi s th c hi n theo phng th c thanh ton qu c t hi n hnh trong h th ng NH A. Tr ng h p chuy n cho NHTM khc th c hi n thanh ton qu c t ph i c s ch p thu n b ng vn b n c a T ng Gim c NH A . Khch hng vay b ng ngo i t no ph i tr n g c v li b ng ngo i t . Tr ng h p tr b ng ngo i t khc ho c b ng VND ph i c s ch p thu n c a NH A v ph i chuy n i theo t gi quy nh c a NH A t i th i i m tr n , ph h p v i cn i ngo i t v l i ch kinh doanh c a NH A, quy nh v qu n l ngo i h i c a Chnh ph v h ng d n c a NHNN VN. Lo i ti n nh n n ph i ph h p v i lo i ti n c xc nh trn h p ng tn d ng.
2.13 Quy nh qu n l ngo i h i c a nh n c v cho vay b ng ngo i t i v i khch hng vay l ng i c tr NH A cho vay v n b ng ngo i t i v i khch hng vay l ng i c tr p ng cc nhu c u v n sau: thanh ton cho n c ngoi ti n nh p kh u hng ha, d ch v ph c v ho t ng s n xu t kinh doanh. H s cho vay ph i b sung b n sao c xc nh n sao y b n chnh H p ng nh p kh u, vn b n cho php nh p kh u c a B Thng m i ho c c quan qu n l chuyn ngnh ( i v i ngnh hng nh p kh u c i u ki n), gi y ch ng nhn ng k kinh doanh v gi y ch ng nh n ng k m s xu t nh p kh u ( i v i khch hng giao d ch l n u). th c hi n cc d n u t, phng n s n xu t, kinh doanh hng ha v d ch v xu t kh u; th c hi n cc d n u t, phng n s n xu t, kinh doanh c ngu n thu ngo i t trn lnh th Vi t Nam. H s cho vay ph i b sung b n sao c xc nh n sao y b n chnh vn b n quy t nh c a Chnh ph cho php d n c vay b ng ngo i t (n u l d n u t theo quy t nh c a Chnh ph ); b n sao c xc nh n sao y b n chnh h p ng xu t kh u ho c thu mua, ch bi n, gia cng, s n xu t, mua bn hng xu t kh u. Chi t kh u b ch ng t xu t kh u. Cho vay i v i ng i lao ng i lm vi c c th i h n n c ngoi theo quy nh c a NHNN VN. th c hi n cc d n u t theo quy t nh c a Th t ng Chnh ph . tr n n c ngoi tr c h n, n u kho n vay c cc i u ki n sau: + D n u t, phng n s n xu t, kinh doanh s d ng kho n vay n c ngoi c hi u qu ; + Doanh nghi p c kh nng tr n g c v li v n vay b ng ngo i t ; + Ti t ki m c chi ph vay v n so v i vi c vay v n n c ngoi.
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Cc nhu c u vay v n ng n h n s n xu t, kinh doanh m khch hng vay khng c ngu n thu ngo i t , n u c NH A ho c t ch c tn d ng khc cam k t b ng vn b n bn ngo i t ho c c h p ng mua ngo i t k h n tr n vay. - i v i cc nhu c u v n n m ngoi quy nh nh trn, cn b tn d ng ph i trnh T ng gim c NHNo & PTNT bo co Th ng c NHNN VN xin ch p thu n tr c b ng vn b n. N u khch hng vay b ng ngo i t s d ng trong n c th khch hng ph i bn s ngo i t cho NH A. 2.14 Quy n v ngha v c a ng i vay v ng i cho vay 2.14.1. Quy n v ngha v c a ng i vay Ng i vay c quy n: - T ch i cc yu c u c a NH A khng ng v i th a thu n trong H p ng tn d ng. - Khi u n i, kh i ki n ho c yu c u b i th ng thi t h i n u NH A khng th c hi n y cc ngha v ghi trong H p ng tn d ng. Ng i vay c ngha v : - Cung c p y , trung th c thng tin, ti li u lin quan n vi c vay v n cho NH A v ch u trch nhi m v tnh chnh xc c a cc thng tin, ti li u cung c p. - S d ng ti n vay ng m c ch v th c hi n y cc n i dung khc th a thu n trong H p ng tn d ng v cc cam k t khc lin quan. - Tr n g c, li vay v cc lo i ph khc (n u c) y v ng k h n nh th a thu n trong H p ng tn d ng. - Ch u trch nhi m tr c php lu t n u vi ph m cc i u kho n c th a thu n trong H p ng tn d ng 2.14.2. Quy n v ngha v c a NH A NH A c quy n: - Yu c u ng i vay cung c p ti li u ch ng minh d n u t, phng n s n xu t, kinh doanh, d ch v ho c d n u t, phng n ph c v i s ng kh thi, kh nng ti chnh c a khch hng v ng i b o lnh tr c khi quy t nh cho vay. - T ch i yu c u vay v n c a khch hng n u khch hng khng c i u ki n vay v n, d n / phng n vay v n khng c hi u qu , khng ph h p v i quy nh c a php lu t v NH A khng c ngu n cho vay. - Ki m tra, gim st qu trnh vay v n, s d ng v n vay v tr n c a khch hng. - Ch m d t cho vay, thu h i n tr c h n n u pht hi n khch hng cung c p thng tin sai s th t, vi ph m H p ng tn d ng ho c c d u hi u khng an ton v n vay. - Kh i ki n khch hng vi ph m H p ng tn d ng ho c ng i b o lnh c a khch hng theo quy nh c a php lu t.
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Khi ng i vay khng c kh nng tr n n h n v n u cc bn khng c th a thu n no khc th NH A c quy n x l ti s n b o m ti n vay theo th a thu n trong H p ng tn d ng v h p ng b o m ti n vay thu h i n ho c yu c u ng i b o lnh th c hi n ngha v b o lnh i v i tr ng h p khch hng c b o lnh vay v n. Mi n, gi m li ti n vay, gi m ph, i u ch nh k h n n , gia h n n , mua bn n theo quy nh c a NHNN VN, NH A v th c hi n vi c o n , khoanh n , xa n theo quy nh c a Chnh ph v h ng d n c a NHNN VN. X l gia h n, gin n , khoanh n , xa n ph h p quy nh c a Chnh ph , NHNN VN.
NH A c ngha v : - Th c hi n ng th a thu n trong h p ng tn d ng - Lu gi nh ng h s tn d ng v ti li u lin quan ph h p v i quy nh c a php lu t. 2.15 Chnh sch u i khch hng NH A ch cho vay v i nh ng i u ki n u i khi c Chnh ph , NHNN VN cho php/ch nh. Trong nh ng tr ng h p cho vay theo ch nh c a Chnh ph , n u c pht sinh nh ng r i ro v li su t, v kh nng thu h i n g c, s c Chnh ph xem xt x l theo nh ng quy nh ph h p. Cc kho n cho vay theo ch nh c a Chnh ph , NH A v n ph i ki m tra, th m nh tr c khi quy t nh cho vay. N u c m t kho n vay no xt th y khng i u ki n, khng kh thi, NH A c quy n t ch i cho vay v thng bo cho c quan nh n c c lin quan.
2.16 Chnh sch c nh tranh / marketing NH A th c hi n qu ng b cc chnh sch tn d ng v i u ki n vay v n nh m m c ch gip ng i vay hi u v th c hi n ng, gim st vi c tri n khai th c hi n c a cn b Ngn hng, thng tin tr l i cho NH A nh ng xu t, ki n ngh c n ch nh s a, hon thi n cc chnh sch, i u ki n . Cc phng php qu ng b: - Thng qua cc c quan bo ch, i truy n hnh, i pht thanh - Thng qua cc h i ngh khch hng - Thng qua cc t ri - Thng qua cc b ng hi u, bi n hi u, h ng d n t i tr s giao d ch - Thng qua cc cu c h p t vay v n - Thng qua vi c tuyn truy n, ph bi n tr c ti p c a cn b ngn hng (Phng t v n v h ng d n khch hng) - Thng qua cc th thm d ch n m u
2.17 Cho vay theo cc m c ch v i t ng c bi t 2.17.1. Cho vay i v i h gia nh, c nhn s n xu t nng, lm, ng, dim nghi p S TAY TN D NG NDTD ST caohockinhte.info
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thng qua t vay v n (xem Ph l c 4K) 2.17.2. Cho vay i v i h gia nh, c nhn s n xu t nng, lm, ng, dim nghi p thng qua doanh nghi p (xem Ph l c 4L) 2.17.3. Cho vay u i v cho vay u t xy d ng theo k ho ch nh n c (xem Ph l c 4M) 2.17.4. Cho vay u thc (xem Ph l c 4N) 2.17.5. Cho vay pht tri n gi ng thu s n (theo H ng d n c th c a NH A t i t ng th i k - Ph l c 1A Danh m c vn b n php l) 2.17.6. Cho vay c s h t ng (theo H ng d n c th c a NH A t i t ng th i k - Ph l c 1A Danh m c vn b n php l) 2.17.7. Cho vay i v i cy ch (theo H ng d n c th c a NH A t i t ng th i k - Ph l c 1A Danh m c vn b n php l) 2.17.8. Cho vay kinh t trang tr i (theo H ng d n c th c a NH A t i t ng th i k - Ph l c 1A Danh m c vn b n php l) 3. B sung, s a i chnh sch tn d ng trong t ng th i k Chnh sch tn d ng c a NH A c b sung s a i khi th c t pht sinh yu c u, ph h p v i s thay i v chi n l c khch hng v ngnh hng c a NH A. M i s a i, b sung v chnh sch tn d ng c a NH A do HQT v T ng Gim c NH A thng qua v quy t nh, c lm thnh vn b n v ph bi n t i t t c cc chi nhnh / S giao d ch trong h th ng NH A.
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4.
Ph l c
PH L C 4A. DANH M C VN B N PHP L
Phng th c cho vay t ng l n l phng th c cho vay m m i l n vay v n, khch hng v NH A u lm th t c vay v n c n thi t v k k t h p ng tn d ng. 1. i t ng p d ng - Khch hng c nhu c u vay v n khng th ng xuyn - Cho vay v n lu ng, cho vay b p thi u h t ti chnh t m th i, cho vay b c c u, cho vay h tr tri n khai cc ti nghin c u khoa h c, cng ngh , cho vay tiu dng trong dn c (th i gian cho vay d i 12 thng). 2. Xc nh s ti n cho vay S ti n cho vay = T ng nhu c u v n c a d n ho c phng n - v n ch s h u ho c v n t c - v n khc (n u c). 3. M i h p ng tn d ng c th pht ti n vay m t ho c nhi u l n ph h p v i ti n v yu c u s d ng v n th c t c a khch hng. M i l n nh n ti n vay khch hng ph i l p Gi y nh n n . Trn gi y nh n n ph i ghi th i h n cho vay c th , m b o khng v t so v i th i h n cho vay ghi trn h p ng tn d ng. T ng s ti n cho vay trn cc gi y nh n n khng c v t qu s ti n k trong h p ng tn d ng.
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PH L C 4B. PHNG TH C CHO VAY THEO H N M C TN D NG
Phng th c cho vay theo h n m c tn d ng l phng th c cho vay m NH A v khch hng xc nh v th a thu n m t h n m c tn d ng duy tr trong m t kho ng th i gian nh t nh. 1. i t ng p d ng - Khch hng c nhu c u vay v n th ng xuyn. - Khch hng vay c c i m s n xu t kinh doanh, lun chuy n v n khng ph h p v i phng th c cho vay t ng l n. 2. Xc nh th i h n cho vay - Cn c vo chu k s n xu t kinh doanh, kh nng tr n c a khch hng xc nh th i h n cho vay v ghi vo h p ng tn d ng v t ng gi y nh n n . - Trong th i h n duy tr h n m c tn d ng, khch hng c rt v n ph h p v i ti n v yu c u s d ng v n th c t nhng ph i m b o khng c v t qu h n m c tn d ng k k t. M i l n rt v n vay, khch hng ph i l p gi y nh n n v i ngn hng, km theo: b ng k cc ch ng t s d ng ti n vay v cc gi y t lin quan n s d ng ti n vay. NH A ki m tra cc ti li u trn m b o ph h p v i n i dung s d ng v n vay theo cc i u kho n ghi trong h p ng tn d ng v k vo gi y nh n n c a khch hng. 3. Tng h n m c tn d ng Trong th i h n duy tr h n m c tn d ng, khch hng c nhu c u i u ch nh tng h n m c tn d ng p ng nhu c u s n xu t kinh doanh d ch v , ph i c vn b n ngh v NH A xem xt, n u th y h p l th ch p thu n i u ch nh h n m c tn d ng v cng khch hng k ph l c b sung h p ng tn d ng. 4. K k t h p ng tn d ng m i - Tr c 10 ngy khi h n m c tn d ng c h t hi u l c, khch hng vay v n g i n NH A cc gi y t sau: Gi y ngh vay v n Bo co v tnh hnh s n xu t, kinh doanh, kh nng ti chnh Phng n s n xu t, kinh doanh k ti p theo - Cn c vo h s vay v n c a khch hng, NH A th m nh quy t nh cho vay ti p v k k t h p ng tn d ng theo h n m c tn d ng m i khi k t thc th i h n duy tr h n m c tn d ng c. - H n m c tn d ng m i bao g m c d n th c t c a h p ng tn d ng c chuy n sang (n u c). Trong tr ng h p h n m c tn d ng m i th p hn s d n th c t c a h p ng tn d ng c chuy n sang th khch hng v ngn hng ph i xc nh th i h n gi m th p d n c theo h n m c tn d ng m i v ghi vo h p ng tn d ng. S TAY TN D NG NDTD ST caohockinhte.info
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Th i h n gi m th p d n c khng c v t qu m t chu k s n xu t kinh doanh c a i t ng vay v n. Khi khch hng gi m d n th p hn h n m c tn d ng hi n t i th m i c vay ti p theo H p ng tn d ng m i.
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PH L C 4C. PHNG TH C CHO VAY THEO D N U T
1. i t ng p d ng Cho vay v n khch hng th c hi n cc d n u t pht tri n s n xu t, kinh doanh, d ch v v ph c v i s ng. NH A ni cho vay cng khch hng k h p ng tn d ng v th a thu n m c v n u t duy tr cho c th i gian u t c a d n, phn nh cc k h n tr n . Ngu n v n cho vay c gi i ngn theo ti n th c hi n d n. 2. Xc nh s ti n cho vay S ti n cho vay = T ng m c u t c a d n - V n ch s h u ho c v n t c tham gia - Ngu n v n huy ng khc 3. Cn c pht ti n vay - H p ng tn d ng - H p ng v ch ng t cung ng v t t, thi t b , cng ngh , d ch v , - Bin b n xc nh n gi tr kh i l ng cng trnh hon thnh ( c nghi m thu t ng h ng m c ho c ton b cng trnh) ho c cc vn b n xc nh n ti n th c hi n d n. M i l n nh n ti n vay khch hng ph i k gi y nh n n . 4. Trong tr ng h p th i gian cha vay c v n ngn hng, khch hng dng ngu n v n huy ng t m th i khc chi ph theo d n c duy t th NH A c th xem xt cho vay b p ngu n v n trn c s ph i c ch ng t php l ch ng minh r ngu n v n s d ng tr c. 5. Tr ng h p h t th i gian gi i ngn theo l ch th a thu n ban u m khch hng cha s d ng h t m c v n vay ghi trong h p ng tn d ng, n u khch hng ngh th NHNo& PTNT VN xem xt c th th a thu n v k k t b sung h p ng tn d ng ti p t c pht ti n vay ph h p v i ti n thi cng c th . 6. NH A v khch hng th a thu n trong h p ng tn d ng m c ph cam k t s d ng ti n vay trong tr ng h p khch hng khng s d ng h t m c v n vay th a thu n. 7. Xc nh th i gian n h n v nh k h n tr n 7.1. Th i gian n h n NH A c th th a thu n v i khch hng v th i gian n h n c a d n u t. Tr ng h p trong qu trnh th c hi n XDCB c a d n v nguyn nhn khch quan khch hng khng th th c hi n ng th i gian n h n th a thu n, NH A c th xem xt v i u ch nh th i gian n h n ph h p v i tnh hnh th c t .
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7.2. nh k h n tr n 7.2.1. Khch hng rt h t v n trong th i gian n h n: Cn c vo s ti n khch hng nh n n , ngy b t u nh n n v cc i u kho n th a thu n trong H p ng tn d ng, NH A k ph l c h p ng tn d ng xc nh l ch tr n chi ti t cho s ti n vay rt, c th : th i gian c a 1 k h n tr n , s k h n tr n , s ti n ph i tr c a t ng k h n n . 7.2.2. Th i gian n h n h t nhng khch hng cha rt h t v n: Ngay sau khi h t th i gian n h n, cn c vo s ti n khch hng nh n n , ngy b t u nh n n , ti n th c hi n d n v cc i u kho n th a thu n trong h p ng tn d ng, NH A k ph l c H p ng tn d ng xc nh l ch tr n chi ti t cho s ti n vay rt, c th : th i gian c a 1 k h n tr n , s k h n tr n , s ti n ph i tr c a t ng k h n n . Khi khch hng ti p t c rt h t v n, cn c vo s ti n nh n n ti p theo, NH A phn b cho cc k h n tr n cn l i v k ph l c h p ng tn d ng s a i l ch tr n chi ti t cho ph n d n hi n c v cc k h n cn ph i tr n .
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PH L C 4D. PHNG TH C CHO VAY TR GP
Phng th c cho vay tr gp l phng th c cho vay m NH A v khch hng xc nh v th a thu n s ti n li vay ph i tr c ng v i s n g c c chia ra tr n theo nhi u k h n trong th i h n cho vay. H p ng tn d ng ph i ghi r: cc k h n tr n , s ti n tr n m i k h n g m c g c v li. 1. i t ng p d ng Khch hng vay c phng n tr n g c v li vay kh thi b ng cc kho n thu nh p ch c ch n, n nh. 2. Cch tnh s ti n g c v li ph i tr cho m i k h n Phng php 1: i) Cch tnh s ti n ph i tr n c a m t k h n: V i s ti n vay l K, li su t i, s k h n tr n l n, a l m c ph i tr t ng k h n, ta c: Ki a= 1 (1 + i ) n
ii) Cch tnh li ph i tr c a m t k h n n : Li ph i tr c a m t k h n n (b) = D n u k x LSCV theo ng s ngy 1 K/30 (iii) Cch tnh g c ph i tr c a m t k h n n - Li ph i tr trong k = a - b
Phng php 2: (i) Cch tnh s ti n g c ph i tr t ng k h n: V i s ti n vay ban u l K, i l li su t cho vay theo thng, s k h n tr n l n, a l s ti n g c ph i tr t ng k h n, ta c:
K n (ii) Cch tnh li ph i tr c a t ng th i k h n n : S li ph i tr k = D n u k (Kn) * Li su t thng * S ngy t ng k/30 Trong : S d u k c a k tnh li Kn a(n-1)
a=
PH L C 4E. PHNG TH C CHO VAY THNG QUA NGHI P V PHT HNH V S D NG TH TN D NG
NH A ch p nh n cho khch hng c s d ng s v n vay trong ph m vi h n m c tn d ng thanh ton ti n mua hng ha, d ch v v rt ti n m t t i my rt ti n t ng ho c i m ng ti n m t i l c a NH A .
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NH A s c quy nh v h ng d n c th vi c pht hnh th tn d ng, quy nh s d ng th tn d ng, thanh ton n v li khi th tn d ng n h n, x l vi ph m v s d ng th tn d ng v thanh ton n v li khng ng h n i v i khch hng.
PH L C 4F. PHNG TH C CHO VAY THEO H N M C TN D NG D PHNG
1. NH A cam k t m b o s n sng cho khch hng vay v n trong ph m vi h n m c tn d ng nh t nh u t cho d n. 2. Ngoi vi c th c hi n cc quy nh nh phng th c cho vay theo d n u t, NH A v khch hng th a thu n nh ng n i dung sau: - Th i h n hi u l c c a h n m c tn d ng d phng - Ph cam k t rt v n vay cho h n m c tn d ng d phng: trong th i gian hi u l c c a h p ng, n u khch hng khng s d ng ho c s d ng khng h t h n m c tn d ng d phng, khch hng v n ph i tr ph cam k t tnh cho h n m c tn d ng d phng . M c ph cam k t n m trong bi u ph do T ng Gim c NH A quy nh t ng th i k. 3. H n m c tn d ng, th i h n hi u l c c a h n m c tn d ng d phng v m c ph cho h n m c tn d ng d phng c ghi trong h p ng tn d ng. Cn c vo , NH A thng bo v i khch hng h n m c tn d ng d phng c m . M i l n rt ti n vay trong h n m c tn d ng d phng, khch hng l p gi y nh n n km theo cc ch ng t c n thi t g i NH A. 4. Chi nhnh c nhu c u m h n m c tn d ng d phng cho khch hng ph i trnh T ng Gim c NH A xem xt quy t nh.
PH L C 4G. PHNG TH C CHO VAY H P V N ( NG TI TR )
Phng th c cho vay ng ti tr l phng th c cho vay m NH A cng cho vay trong m t nhm cc TCTD i v i m t d n ho c phng n vay v n c a khch hng, trong NH A ho c m t TCTD ng ra lm u m i dn x p, ph i h p v i cc TCTD khc. Vi c cho vay h p v n c th c hi n theo quy ch ng ti tr c a NHNN v h ng d n c a NH A (xem Ph l c 1A Danh m c vn b n php l).
PH L C 4H. PHNG TH C CHO VAY THEO H N M C TH U CHI
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NH A th a thu n b ng vn b n cho php khch hng chi v t s ti n c trn ti kho n thanh ton c a khch hng ph h p v i cc quy nh c a Chnh ph v NHNN VN v ho t ng thanh ton qua cc t ch c cung ng d ch v thanh ton.
PH L C 4I. PHNG TH C CHO VAY LU V
1. i t ng p d ng H gia nh, c nhn vng chuyn canh tr ng la v khc.
cc vng xen canh tr ng la v i cc cy tr ng ng n h n
2. i u ki n H gia nh v c nhn c xt cho vay lu v khi m b o cc i u ki n sau: - Ph i c 2 v li n k - D n, phng n ang vay c hi u qu . - Tr s li cn n c a h p ng tn d ng tr c. 3. M c cho vay T i a b ng m c d n th c t c a h p ng tn d ng tr c. 4. Th i h n lu v - Khng qu th i h n c a m t v k ti p a) Li su t cho vay: Li su t c p d ng theo quy nh c a T ng Gim c NH A t i th i i m lu v . b) H s vay v n: H gia nh, c nhn c nhu c u vay lu v , tr c ngy n h n tr cu i cng c a h p ng tn d ng lm gi y ngh vay lu v , cc th t c khc khng ph i l p l i. Trong cc tr ng h p: li su t cho vay, th i h n cho vay, m c cho vay lu v c thay i so v i h p ng tn d ng, NH A ni cho vay cng v i khch hng th c hi n vi c b sung ho c i u ch nh h p ng tn d ng.
PH L C 4K. CHO VAY LU V I V I H GIA NH, C NHN VAY V N S N XU T NNG, LM NG, DIM NGHI P THNG QUA T
1. i t ng p d ng H gia nh, c nhn vay v n trong h th ng NH A s n xu t, kinh doanh d ch v trong lnh v c nng-lmng-dim nghi p, m mang ngnh ngh t o cng n vi c lm thng qua t vay v n do cc t ch c sau thnh l p: - H i nng dn
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2. H m 3. a)
- H i lin hi p ph n - on Thanh nin c ng s n H Ch Minh. - H i c u chi n binh. - Cc t ch c chnh tr - x h i, t ch c ngh nghi p khc. i n ki n vay v n gia nh, c nhn vay thng qua t vay v n ph i tham gia cc t vay v n c a m t trong cc t ch c nu c 1 v th c hi n quy c ho t ng c a t vay v n. Danh m c b h s cho vay H s php l: - H s thnh l p t vay v n: + + + + n xin gia nh p t 29/03/2001). Bin b n h p t 29/03/2001) vay v n (m u 16/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 17A/CV ban hnh km theo Vn b n 749/NHNo-06 ngy
vay v n (m u s
Danh sch ban lnh o v cc thnh vin t vay v n (m u s 17B/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 29/03/2001)
Quy c ho t ng c a t vay v n (m u 18/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 29/03/2001). - Gi y ch ng nh n quy n s d ng t (s ) ho c xc nh n c a UBND x (ph ng) v di n tch t s d ng khng c tranh ch p v cha c c p s ho c xc nh n c a gim c doanh nghi p v di n tch t giao cho h nh n khon. - Gi y php kinh doanh, d ch v c c p c th m quy n c p ( i v i cc ngnh ngh theo quy nh c a php lu t b t bu c ph i c gi y php kinh doanh, d ch v m i c hnh ngh ) b) H s vay v n i v i t vin vay v n n 10 tri u ng: - Gi y ngh vay v n dng cho h khng th c hi n m b o b ng ti s n (m u s 01A/CV ban hnh km theo Quy t nh 06/Q-HQT ngy 18/01/2001) - H p ng tn d ng ho c S vay v n: Tu theo t ng tnh hnh a phng, Gim c chi nhnh NHNo c s c th l a ch n vi c k k t h p ng tn d ng v i t tr ng t vay v n (m u 20A/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 29/03/2001) km theo danh sch nh n n c a t ng t vin (ph l c h p ng m u 20B/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 29/03/2001) ho c k h p ng tn d ng tr c ti p n t ng t vin (l p s vay v n). - H p ng d ch v (m u 21/CV ban hnh km theo Vn b n 749/NHNo-06 ngy 29/03/2001) - Cc lo i thng bo theo quy nh hi n hnh. i v i t vin vay v n trn 10 tri u khng ph i th c hi n m b o ti n vay Th c hi n theo i u 25 Quy t nh 167/HDQT-03 ngy 07/9/2000 c a HQT v vn b n s 3202/NHNo-05 ngy 18/12/2000 c a T ng gim c. S TAY TN D NG NDTD ST caohockinhte.info
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i v i t vin vay v n ph i th c hi n b o m ti n vay, h s vay v n g m c: - Gi y ngh vay v n dng cho h gia nh, c nhn, t h p tc th c hi n vay v n c b o m b ng ti s n (m u s 01B/CV ban hnh km theo Quy t nh 06/Q-HQT ngy 18/01/2001) - Phng n, d n s n xu t kinh doanh. - Bo co th m nh (m u s 02A/CV ban hnh km theo Quy t nh 06/Q-HQT ngy 18/01/2001). - H p ng b o m ti n vay. - H p ng tn d ng dng cho H gia nh, c nhn th c hi n tn ch p, c m c , b o lnh (m u s 04A/CV ban hnh km theo Quy t nh 06/Q-HQT ngy 18/01/2001). - Cc lo i thng bo theo quy nh hi n hnh.
4. Trnh t thnh l p t vay v n - Th ng nh t danh sch t vin, b u lnh o t sau khi c n c a cc t vin. - Thng qua quy c ho t ng - Trnh u ban nhn dn x (ph ng) cng nh n cho php ho t ng. 5. Trch nhi m v quy n l i c a t tr ng t vay v n - Nh n gi y ngh vay v n c a t vin - L p danh sch t vin ngh ngn hng cho vay. - Ki m tra, gim st, n c t vin s d ng v n ng m c ch, tr n , tr li ng h n. - c NH A ni cho vay chi tr hoa h ng cn c k t qu cng vi c hon thnh v theo h ng d n v chi hoa h ng c a NH A 6. Trch nhi m c a NH A ni cho vay - H ng d n l p th t c vay v tr n . - Th m nh cc i u ki n vay v n. - Th c hi n gi i ngn, thu n , thu li n t ng t vin. - Ki m tra i n hnh vi c s d ng v n vay c a t vin. 7. Th t c vay - T vin g i cho t - T tr ng nh n h vin c i u ki - T ng t vin k h
tr ng gi y ngh vay v n v cc gi y t khc theo quy nh. s c a t vin, t ch c h p bnh xt i u ki n vay v n, sau t ng h p danh sch t n vay v n, ngh ngn hng xt cho vay. p ng tn d ng tr c ti p v i NH A ni cho vay.
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PH L C 4L.
CHO VAY I V I H
GIA NH, C NHN S N XU T
NNG, LM, NG, DIM NGHI P THNG QUA DOANH NGHI P
1. i t ng p d ng i t ng th c hi n l cc h gia nh, c nhn nh n khon c a cc doanh nghi p th c hi n giao khon. 2. H gia nh, c nhn vay tr c ti p thng qua doanh nghi p - V n vay ph i tr c ti p t i h gia nh, c nhn c n v n s n xu t kinh doanh. - NHCV k h p ng v i doanh nghi p lm d ch v vay v n cho h gia nh, c nhn trong c n i dung: + Trch nhi m v quy n l i c a doanh nghi p: tng t trch nhi m v quy n l i c a t tr ng t vay v n + Trch nhi m c a NH A ni cho vay: nh nu t i m c 6 Ph l c 4K. + Th t c vay: tng t th t c cho vay qua t vay v n 3. Doanh nghi p vay tr c ti p chuy n t i v n cho h gia nh, c nhn nh n khon - Doanh nghi p ph i c i u ki n vay v n theo quy nh t i i u 2.4 chng ny. - Doanh nghi p vay tr c ti p v c trch nhi m tr n NH A. - Doanh nghi p ph i c h p ng cung ng v t t, ti n v n, tiu th s n ph m cho h gia nh, c nhn nh n khon.
4. Cho h gia nh, c nhn vay thng qua cc TCTD nng thn Chi nhnh c nhu c u cho vay ph i l p n trnh T ng Gim c NH A ph duy t.
PH L C 4M. CHO VAY U I V CHO VAY U T XY D NG THEO K HO CH NH N C
1. Cho vay cc d n u t thu c tn d ng u t pht tri n c a Nh n c c th c hi n theo quy nh c a php lu t v tn d ng u t pht tri n c a Nh n c. 2. Cc kho n chnh l ch li su t v t n th t pht sinh do nguyn nhn khch quan t nh ng kho n cho vay theo ch nh c a Chnh ph i v i khch hng thu c i t ng u i, cho vay u t xy d ng theo k ho ch Nh n c s c x l theo quy nh c a Chnh ph , h ng d n c a NHNN VN v c a cc B , Ngnh lin quan. 3. Tr c khi cho vay u i v cho vay u t xy d ng theo k ho ch Nh n c, ph i ti n hnh th m nh hi u qu c a d n ho c phng n vay v n, n u xt th y khng c hi u qu , khng c kh nng hon tr n vay c g c v li th trnh T ng Gim c NH A bo co v i c quan Nh n c c th m quy n ho c n u c n thi t ph i bo co v i Th t ng Chnh ph xem xt quy t nh.
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PH L C 4N. CHO VAY THEO U THC
1. Vi c cho vay theo u thc c a Chnh ph , c a t ch c, c nhn trong n c v ngoi n c c th c hi n theo h p ng nh n u thc cho vay k k t v i c quan i di n c a Chnh ph , c a t ch c, c nhn trong n c v ngoi n c. Vi c cho vay theo u thc ph i ph h p v i quy nh hi n hnh c a php lu t c lin quan n ho t ng tn d ng ngn hng. 2. Khi cho vay theo u thc, NH A c h ng ph u thc v cc kho n h ng l i khc th a thu n trong h p ng nh n u thc cho vay ph h p thng l qu c t v m b o b p chi ph, r i ro v c li.
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PH L C 4P. M U S
04C/CV - GI Y NH N N
C NG HA X H I CH NGHA VI T NAM
c l p - T do - H nh phc -----------*----------.........ngy...........thng..........nm..... (Do khch hng cng ngn hng l p)
GI Y NH N N
(Dng trong tr ng h p h p ng tn d ng c pht ti n vay t 2 l n tr ln) Cn c h p ng tn d ng s : ..................ngy..............thng........nm 200...... k gi a chi nhnh NHNo & PTNT..................v ................................. Hm nay, ngy..............thng........nm 200......t i chi nhnh NHNo & PTNT Tn ng i vay: ..................................................................................................... ng (B):...................................................................................................... Ch c v : ................................................................... CMND s :..................ngy c p................................ni c p: ......................... Theo gi y u quy n (n u c) s : .........ngy ................thng............nm ........... H n m c tn d ng: ................................................................................................... D n tr c ngy nh n n l n ny:................................................................... S ti n nh n n l n ny ( ngh vay l n ny):...................................................... B ng ch :............................................................................................................ T ng d n sau l n nh n n :....................................................... M c ch s d ng ti n vay: .......................................................................... H n tr n cu i cng .......................................................................... Li su t:.........................% thng, li su t n qu h n: .............................% thng
NG I VAY
(K, ghi r h tn, ng d u) CN B TN D NG
CHI NHNH NHNo & PTNT...................
(K, ghi r h tn)
TR NG PHNG TN D NG
GIM C
(K tn, ng d u)
(K, ghi r h tn)
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C NG HO X H I CH NGHA VI T NAM
c l p - T do - H nh phc -----------*----------........ngy.......thng......nm 200..... (Do khch hng cng ngn hng l p)
GI Y NH N N
(Cho vay h gia nh, c nhn theo hn mc tn d ng)
Cn c h p ng tn d ng s : ..................ngy..............thng........nm 200...... k gi a chi nhnh NHNo & PTNT................v .............................. Hm nay, ngy..............thng........nm 200......t i chi nhnh NHNo & PTNT................. ng (B): ........... l ch h (ho c ng i i di n ch h theo gi y u quy n s ...... ngy ........) CMND s :..........ngy c p.............ni c p: .............. D n tr c ngy nh n n l n ny:...................................... B ng ch :............................................................................. S ti n nh n n l n ny ( ngh vay l n ny):................... T ng d n sau l n nh n n :....................................................... Li su t %/ thng, li su t n qu h n ..% / thng M c ch s d ng ti n vay: ........................................... Th i h n vay v n: . thng H n tr n cu i cng : .................... nh k tr n Tr g c: Ngy .. thng nm S ti n Ngy .. thng nm S ti n Tr g c: theo thng (qu, v ) . I DI N KHCH HNG (K, ghi r h tn) I DI N CHI NHNH NHNo & PTNT ............ Cn b tn d ng Tr ng phng tn d ng Gim c (K, ghi r h tn) (K, ghi r h tn) (K, ghi r h tn)
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CHNG V. H TH NG CH M I M TN D NG V X P H NG KHCH HNG
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A. C C U CHNG
1. Gii thiu chung 1.1. Khi nim h thng chm im tn dng v x p h ng khch hng 1.2. Mc ch ca vic chm im tn dng v x p h ng khch hng 1.3. Nguyn tc chm im tn dng 1.4. Phn nhm khch hng 1.5. Cc cng c chm im tn dng 1.6. Trch nhim ca cc cn b lin quan 2. Hng dn chm im tn dng v xp hng khch hng doanh nghip 2.1. Hng khch hng 2.2. Quy trnh chm im tn dng v x p h ng khch hng ng dng kt qu chm im tn dng v x p h ng khch hng 3. Hng dn chm im tn dng v xp hng khch hng c nhn 3.1. Hng khch hng 3.2. Quy trnh chm im tn dng v x p h ng khch hng
2.3.
3.3. ng dng kt qu chm im tn dng v x p h ng khch hng 4. nh gi li hng khch hng 5. Ph lc
S tay Tn d ng Ngn hng Nng nghi p v Pht tri n Nng thn Vi t Nam CTF Ltd.
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B. N I DUNG CHNG
1. Gi i thi u chung
1.1. Khi nim h thng chm im tn dng v x p h ng khch h ng 1.1. kh

H thng chm im tn dng v xp hng khch hng ca NH A l mt quy trnh nh gi xc sut mt khch hng tn dng khng thc hin c cc ngha v ti chnh ca mnh i vi NHCV nh khng tr c li v gc n vay khi n hn hoc vi phm cc iu kin tn dng khc. Cc tnh hung ny l cc ri ro tn dng trong hot ng cp tn dng ca NHCV. Mc ri ro tn dng thay i theo tng khch hng v c xc nh thng qua qu trnh nh gi bng thang im, da vo cc thng tin ti chnh v phi ti chnh c sn ca khch hng ti thi im chm im tn dng.
1.2. Mc ch ca vic chm im tn dng v xp hng khch hng

Vic chm im tn dng v xp hng khch hng c thc hin nhm h tr NHCV trong vic: - Ra quyt nh cp tn dng: xc nh hn mc tn dng, thi hn, mc li sut, bin php bo m tin vay, ph duyt hay khng ph duyt. - Gim st v nh gi khch hng tn dng khi khon tn dng ang cn d n; Hng khch hng cho php NHCV lng trc nhng du hiu cho thy khon vay ang c cht lng xu i v c nhng bin php i ph kp thi. Xt trn gc qun l ton b danh mc tn dng, h thng chm im tn dng v xp hng khch hng cn nhm mc ch: - Pht trin chin lc marketing nhm hng ti cc khch hng c t ri ro hn. - c lng mc vn cho vay s khng thu hi c trch lp d phng tn tht tn dng.
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1.3. Nguyn tc chm im tn dng

Trong qu trnh chm im tn dng, CBTD s thu c im ban u v im tng hp xp hng khch hng. - im ban u l im ca tng tiu ch chm im tn dng CBTD xc nh c sau khi phn tch tiu ch . - im tng hp xp hng khch hng bng im ban u nhn vi trng s. - Tr ng s l m c quan tr ng c a t ng tiu ch ch m i m tn d ng (ch s ti chnh ho c y u t phi ti chnh) xt trn gc tc ng r i ro tn d ng. Trong quy trnh chm im tn dng v xp hng khch hng, CBTD s dng cc bng tiu chun nh gi cc tiu ch chm im tn dng m t ti cc mc (2), (3) theo nguyn tc: - i vi mi tiu ch trn bng tiu chun nh gi cc tiu ch, ch s thc t gn vi tr s no nht th p dng cho loi xp hng , nu nm gia hai tr s th u tin nghing v pha loi tt nht. - Trong trng hp khch hng c bo lnh ca mt t chc c nng lc ti chnh mnh hn, th khch hng c th c xp hng tn dng tng ng hng tn dng ca bn bo lnh. Quy trnh chm im tn dng ca bn bo lnh cng ging nh quy trnh p dng cho khch hng.
1.4. Phn nhm khch hng

Do tnh cht khc nhau gia cc khch hng, chm im tn dng c chnh xc, khoa hc, NH A phn chia cc khch hng vay thnh hai nhm: - nhm khch hng l doanh nghip - nhm khch hng c nhn (bao gm c nhn v h gia nh)
1.5. Cc cng c chm im tn dng Bng tiu chun nh gi cc tiu ch chm im tn dng. i vi mi loi khch hng nh phn loi
trn y, NH A s dng bng tiu chun nh gi cc tiu ch chm im tn dng. Bng ny chm im tn dng ca mi khch hng da trn cc tiu chun nh tnh (tiu ch phi ti chnh) nh nng lc v kinh nghim ca ban lnh o, v tr trn th trng, quan h vi khch hng, vi ngn hng.v.v. NH A c hai loi bng p dng cho hai loi khch hng nh phn nhm ti im 1.4. Bng cc ch s ti chnh chun. Bng cc ch s ti chnh chun l mt cng c chm im tn dng da trn mt s ch s ti chnh cn bn nh t l thanh ton ngn hn, t s vn vay v.v.. Bng ch s v gi tr ch s khc nhau cho mi loi khch hng khc nhau.
1.6. Trch nhim ca cc cn b lin quan

Cng tc chm im tn dng v xp hng khch hng c thc hin ti cc S giao dch/chi nhnh NH A (NHCV) theo s phn b trch nhim nh sau: - Cn b tn dng: xc nh cc tiu ch ca tng khch hng tn dng chm im v xp hng khch hng. - Trng (ph) phng tn dng: kim sot vic chm im v xp hng khch hng ca CBTD.
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Gim c chi nhnh (hoc ngi c u quyn): ph duyt kt qu chm im tn dng.
2. H ng d n ch m i m tn d ng v x p h ng khch hng doanh nghi p
2.1. Hng doanh nghip

NH A xp cc khch hng l doanh nghip thnh 10 hng c mc ri ro t thp ln cao: AAA, AA, A, BBB, BB, B, CCC, CC, C, D nh m t trong bng sau:
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Loi AAA: AAA: Loi ti u im tn dng tt nht dnh cho cc khch hng c cht lng tn dng tt nht. AA: Loi u BBB: Loi kh
im c im
Mc ri ro
Thp nht tnh hnh ti chnh mnh nng lc cao trong qun tr hot ng t hiu qu cao trin vng pht trin lu di rt vng vng trc nhng tc ng ca mi trng kinh doanh o c tn dng cao
kh nng sinh li tt hot ng hiu qu v n nh qun tr tt trin vng pht trin lu di o c tn dng tt tnh hnh ti chnh n nh nhng c nhng hn ch nht nh. hot ng hiu qu nhng khng n nh nh khch hng loi AA. qun tr tt trin vng pht trin tt o c tn dng tt hot ng hiu qu v c trin vng trong ngn hn. tnh hnh ti chnh n nh trong ngn hn do c mt s hn ch v ti chnh v nng lc qun l v c th b tc ng mnh bi cc iu kin kinh t, ti chnh trong mi trng kinh doanh. tim lc ti chnh trung bnh, c nhng nguy c tim n hot ng kinh doanh tt trong hin ti nhng d b tn thng bi nhng bin ng ln trong kinh doanh do cc sc p cnh tranh v sc p t nn kinh t ni chung. kh nng t ch ti chnh thp, dng tin bin ng hiu qu hot ng kinh doanh khng cao, chu nhiu sc p cnh tranh mnh m hn, d b tc ng ln t nhng
Thp nhng v di hn
cao hn khch hng loi AA+
A: Loi tt
Thp
Trung bnh
BB: Loi trung bnh kh -
Trung bnh, kh nng tr

n gc v li trong tng lai t c m bo hn khch hng loi BB+.
B: Loi trung bnh
Cao, do kh nng t ch
ti chnh thp. Ngn hng cha c nguy c mt vn ngay nhng v lu di s kh khn nu
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bin ng kinh t nh.
CCC: Loi di trung bnh -
CC: Loi xa di trung bnh -
hiu qu hot ng thp, kt qu kinh doanh nhiu bin ng nng lc ti chnh yu, b thua l trong mt hay mt s nm ti chnh gn y v hin ti ang vt ln duy tr kh nng sinh li. nng lc qun l km
tnh hnh hot ng kinh doanh ca khch hng khng c ci thin. Cao, l mc cao nht c th chp nhn; xc sut vi phm hp ng tn dng cao, nu khng c nhng bin php kp thi, ngn hng c nguy c mt vn trong ngn hn.
C: Loi yu km
D: Loi rt yu km
Rt cao, kh nng tr n hiu qu hot ng thp nng lc ti chnh yu km, c n ngn hng km, nu khng c nhng bin qu hn (di 90 ngy). php kp thi, ngn hng nng lc qun l km c nguy c mt vn trong ngn hn. hiu qu hot ng rt thp, b thua l, Rt cao, ngn hng s phi mt nhiu thi gian khng c trin vng phc hi. nng lc ti chnh yu km, c n v cng sc thu hi vn cho vay. qu hn. nng lc qun l km Cc khch hng ny b thua l ko di, c bit cao, ngn hng ti chnh yu km, c n kh i, nng hu nh s khng th thu hi c vn cho vay. lc qun l km.
2.2. Quy trnh chm im tn dng v xp hng khch hng

Quy trnh chm im tn dng v xp hng khch hng doanh nghip c thc hin theo cc bc sau: + Bc 1: Thu thp thng tin + Bc 2: Xc nh ngnh ngh lnh vc sn xut kinh doanh ca doanh nghip + Bc 3: Chm im quy m ca doanh nghip + Bc 4: Chm im cc ch s ti chnh + Bc 5: Chm im cc tiu ch phi ti chnh + Bc 6: Tng hp im v xp hng doanh nghip + Bc 7: Trnh ph duyt kt qu chm im tn dng v xp hng khch hng
2.2.1. Bc 1: Thu thp thng tin 2.2.1.

CBTD ti n hnh i u tra, thu th p v t ng h p thng tin v khch hng v phng n s n xu t kinh doanh/ d n u t t cc ngu n: - H s do khch hng cung cp: giy t php l v cc bo co ti chnh
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Phng vn trc tip khch hng i thm thc a khch hng Bo ch v cc phng tin thng tin i chng khc Bo co nghin cu th trng ca cc t chc chuyn nghip. Phng Thng tin kinh t ti chnh ngn hng ca NH A Trung tm thng tin tn dng ca NHNN VN. Cc ngun khc,
Cch thc thu thp thng tin, danh mc cu hi iu tra c hng dn chi tit ti Chng VIII Quy trnh cho vay v qun l doanh nghip.
2.2.2. Bc 2: Xc nh ngnh ngh lnh vc sn xut kinh doanh ca doanh nghip

NH A p dng biu im khc nhau cho 4 loi ngnh ngh/lnh vc sn xut kinh doanh khc nhau, gm: - Nng, lm v ng nghip - Thng mi v dch v - Xy dng - Cng nghip Vic phn loi doanh nghip theo ngnh ngh/lnh vc sn xut kinh doanh cn c vo ngnh ngh/lnh vc sn xut kinh doanh chnh ng k trn giy php ng k kinh doanh ca doanh nghip. Trng hp doanh nghip hot ng a ngnh ngh th phn loi theo ngnh ngh/lnh vc no em li t trng doanh thu ln nht cho doanh nghip.
2.2.3. Bc 3: Chm im quy m ca doanh nghip

Quy m ca doanh nghip c xc nh da vo cc tiu ch: vn kinh doanh, lao ng, doanh thu thun v gi tr np ngn sch nh nc (xem Bng 2A) Bng 2A: Chm im quy m doanh nghip
STT Tiu ch Tr s im
Vn kinh doanh
Lao ng
T 50 t ng tr ln T 40 t ng n di 50 t ng T 30 t ng n di 40 t ng T 20 t ng n di 30 t ng T 10 t ng n di 20 t ng Di 10 t ng T 1500 ngi tr ln T 1000 ngi n di 1500 ngi T 500 ngi n di 1000 ngi T 100 ngi n di 500 ngi T 50 ngi n di 100 ngi
30 25 20 15 10 5 15 12 9 6 3
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Di 50 ngi 1 3 Doanh thu thun T 200 t ng tr ln 40 T 100 t ng n di 200 t ng 30 T 50 t ng n di 100 t ng 20 T 20 t ng n di 50 t ng 10 T 5 t ng n di 20 t ng 5 Di 5 t ng 2 4 Np ngn sch T 10 t ng tr ln 15 T 7 t ng n 10 t ng 12 T 5 t ng n 7 t ng 9 T 3 t ng n 5 t ng 6 T 1 t ng n 3 t ng 3 Di 1 t ng 1 Cn c vo thang im trn, cc doanh nghip c xp loi thnh: quy m ln, va v nh: im T 70 100 im T 30 69 im Di 30 im Quy m Ln Va Nh
2.2.4. Bc 4: Chm im cc ch s ti chnh

Trn c s xc nh quy m v ngnh ngh/lnh vc sn xut kinh doanh ca doanh nghip, CBTD chm im cc ch s ti chnh ca doanh nghip theo cc bng di y: - Bng 2B. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh nng, lm, ng
nghip - Bng 2C. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh thng mi dch v - Bng 2D. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh xy dng - Bng 2E. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh cng nghip Lu : Cc ch s ti chnh cn c xc nh theo s liu bo co ti chnh nm ca doanh nghip. 2.2.5. Bc 5: Chm im cc tiu ch phi ti chnh
CBTD chm im cc tiu ch phi ti chnh ca doanh nghip theo cc bng di y: - Bng 2G. Chm im tn dng theo tiu ch lu chuyn tin t - Bng 2H. Chm im tn dng theo tiu ch nng lc v kinh nghim qun l - Bng 2I. Chm im tn dng theo tiu ch uy tn trong giao dch - Bng 2K. Chm im tn dng theo tiu ch mi trng kinh doanh - Bng 2L. Chm im tn dng theo tiu ch cc c im hot ng khc Sau khi ho n tt vic chm im theo cc bng trn, CBTD tng hp im cc tiu ch phi ti chnh da trn kt qu chm im cc bng 2G 2L v bng 2M Bng trng s p dng cho cc tiu ch phi ti chnh.
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B ng 2M: B ng tr ng s p d ng cho cc tiu ch phi ti chnh (dng t ng h p i m t cc b ng 2H 2L)

STT Tiu ch DNNN DN NGOI QU C DOANH (TRONG N C) DN TNN
1 2 3 4 5
Lu chuy n ti n t Nng l c v kinh nghi m qu n l Tnh hnh & uy tn giao d ch v i NH A Mi tr ng kinh doanh Cc c i m ho t ng khc
T ng c ng
20% 27% 33% 7% 13%

100%
20% 33% 33% 7% 7%

100%
27% 27% 31% 7% 8%

100%
2.2.6. Bc 6: Tng hp im v xp hng doanh nghip

CBTD cng tng s im ti chnh v phi ti chnh v nhn v i tr ng s trong bng 2N (c tnh n loi hnh s hu doanh nghip v bo co ti chnh c c kim ton hay khng) xc nh i m t ng h p. B ng 2N: T ng h p i m tn d ng
Thng tin ti chnh khng c ki m ton
DNNN DN NGOI QU C DOANH DN TNN
Thng tin ti chnh c ki m ton

DNNN DN NGOI QU C DOANH DNTNN
Cc ch s ti chnh Cc ch s phi ti chnh
25% 75%
35% 65%
45% 55%
35% 65%
45% 55%
55% 45%
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Sau khi xc nh c i m tng hp, CBTD xp hng doanh nghip nh sau:
Hng
AAA AA A BBB BB B CCC CC C D
S im t c
92,4 100 84,8 92,3 77,2 84,7 69,6 77, 1 62 69,5 54,4 61,9 46,8 54,3 39,2 46,7 31,6 39,1 < 31,6
2.2.7. Bc 7: Trnh ph duyt kt qu chm im tn dng v xp hng khch hng qu

Sau khi hon tt vic xp hng doanh nghip v xp hng khch hng, CBTD lp t trnh ngh Gim c NHCV ph duyt. T trnh phi c TPTD kim tra v k trc khi trnh ln Gim c. Ni dung ca t trnh phi c nhng c bn nh sau: - Gii thiu thng tin c bn v khch hng. - Phng php/m hnh p dng chm im tn dng. - Ti liu lm cn c chm im tn dng. - Nhn xt/nh gi ca CBTD dn ti kt qu chm im v xp hng khch hng. Sau khi t trnh c ph duyt, kt qu chm im tn dng v xp hng khch hng phi c cp nht ngay vo h thng thng tin tn dng ca ngn hng.
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2.3. ng dng kt qu chm im tn dng v xp hng khch hng trong vic ra quyt nh cp tn dng v gim st sau khi cho vay.
Kt qu chm im tn dng v xp hng khch hng doanh nghip c NHCV ng dng trong vic ra quyt nh cp tn dng v gim st sau khi cho vay nh hng dn trong bng sau: Loi AAA Cp tn dng u tin p ng ti a nhu cu tn dng vi mc u i v li sut, ph, thi hn v bin php bo m tin vay (c th cho vay tn chp) u tin p ng nhu cu tn dng vi mc u i v li sut, ph, thi hn v bin php bo m tin vay (c th cho vay tn chp) u tin p ng nhu cu tn dng, c bit l cc khon tn dng t trung hn tr xung. Khng yu cu cao v bin php bo m tin vay (c th cho vay tn chp) C th m rng tn dng; khng hoc hn ch p dng cc iu kin u i. nh gi k v chu k kinh t v tnh hiu qu khi cho vay di hn. Hn ch m rng tn dng; ch tp trung vo cc khon tn dng ngn hn vi cc bin php bo m tin vay hiu qu. Vic cho vay mi hay cc khon cho vay di hn ch thc hin vi cc nh gi k v chu k kinh t v tnh hiu qu, kh nng tr n ca phng n vay vn. Hn ch m rng tn dng v tp trung thu hi vn cho vay. Cc khon cho vay mi ch c thc hin trong cc trng hp c bit vi vic nh gi k cng kh nng phc hi ca khch hng v cc phng n bo m tin vay. Hn ch ti a m rng tn dng; Cc bin php gin n, gia hn n ch thc hin nu c phng n khc phc kh thi. Khng m rng tn dng; Tm mi bin php Gim st sau khi cho vay Kim tra khch hng nh k nhm cp nht thng tin v tng cng mi quan h vi khch hng. Kim tra khch hng nh k nhm cp nht thng tin v tng cng mi quan h vi khch hng. Kim tra khch hng nh k cp nht thng tin.
AA
BBB
Kim tra khch hng nh k cp nht thng tin
BB
Ch trng kim tra vic s dng vn vay, tnh hnh ti sn bo m.
Tng cng kim tra khch hng thu n v gim st hot ng.
CCC
Tng cng kim tra khch hng. Tm cch b sung TSB. Tng cng kim tra khch
CC
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thu hi n, k c vic gia hn n ch thc hin nu c phng n khc phc kh thi. Khng m rng tn dng; Tm mi bin php thu hi n, k c vic x l sm ti sn bo m. Khng m rng tn dng; Tm mi bin php thu hi n k c vic x l sm ti sn bo m.
hng. Xem xt phng n phi a ra to kinh t. Xem xt phng n phi a ra to kinh t.
3. H ng d n ch m i m tn d ng v x p h ng khch hng c nhn
3.1. Hng khch hng

NH A xp cc khch hng l c nhn thnh 10 hng c mc ri ro t thp ln cao: Aaa, Aa, a, Bbb, Bb, b, Ccc, Cc, c, d nh m t trong bng sau:
Loi Aaa Aa a Bbb Bb b Ccc Cc c d Mc ri ro Thp Thp Thp Thp Trung bnh Trung bnh Trung bnh Cao Cao Cao
3.2. Quy trnh chm im tn dng

Quy trnh chm im tn dng khch hng c nhn c thc hin theo cc bc sau: - Bc 1: Thu thp thng tin - Bc 2: Chm im cc thng tin c nhn c bn Chm - Bc 3: Chm im tiu ch quan h vi ngn hng - Bc 4: Tng hp im v x p h ng
3.2.1. Bc 1: Thu thp thng tin

CBTD ti n hnh i u tra, thu th p v t ng h p thng tin v khch hng t cc ngu n:
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H s do khch hng cung cp: giy t php l (chng minh nhn dn, xc nhn ca t chc qun l lao ng hoc t chc qun l v chi tr thu nhp, xc nhn ca chnh quyn a phng, vn bng, chng ch, ) Phng vn trc tip khch hng Cc ngun khc,
3.2.2. Bc 2: Chm im cc thng tin c nhn c bn

NHCV p dng biu im chi tit ti bng 3A chm im cc thng tin c nhn c bn
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Bng 3A: Chm im cc thng tin c nhn c bn STT

1 2 Tui im Trnh hc vn im 3 Ngh nghip im 4 Thi gian cng tc im Thi gian lm cng vic hin ti im Tnh trng nh im 7 C cu gia nh
Ch tiu
18-25 tui 5 Trn i hc 20 Chuyn mn / k thut 25 Di 6 thng 5 Di 6 thng 5 S hu ring 30 Ht nhn 25-40 tui 15 i hc / cao ng 15 Th k 15 6 thng 1 nm 10 6 thng 1 nm 10 Thu 12 Sng vi cha m 5 < 3 ngi 10 36 120 triu 30 72 240 triu 40 n 60 tui 20 Trung hc 5 Kinh doanh 5 1 5 nm 15 1 5 nm 15 Chung vi gia nh 5 Sng cng 1 gia nh ht nhn khc 0 3 5 ngi 5 12 36 triu 15 24 72 triu Trn 60 10 Di trung hc/tht hc -5 Ngh hu 0 > 5 nm 20 > 5 nm 20 Khc 0 Sng cng 1 s gia nh ht nhn khc -5 > 5 ngi -5 < 12 triu -5 < 24 triu
im 8 9 S ngi n theo im Thu nhp c nhn hng nm (ng) im Thu nhp ca gia nh / nm (ng)
20 c thn 0 > 120 triu 40 > 240 triu
10
im
40
30
15
-5
CBTD tng hp im ca khch hng theo biu im trn, nu khch hng t tng im < 0 th chm dt qu trnh chm im v t chi cp tn dng. Nu khch hng t tng im > 0 th tip tc bc 3: Chm im tiu ch quan h vi ngn hng
3.2.3. Bc 3: Chm im tiu ch quan h vi ngn hng

NHCV p dng biu im chi tit ti bng 3B chm im tiu ch quan h vi ngn hng Bng 3B: Chm im tiu ch quan h vi ngn hng STT Ch tiu
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Tnh hnh tr n vi NHNo & PTNT
Cha giao dch vay vn
Cha bao gi qu hn 40 Cha bao gi chm tr
im 0 Tnh hnh chm tr Cha giao li dch vay vn
im 0 Tng n hin ti < 100 triu (VND hoc tng ng) im 25 Cc dch v khc s Ch gi tit dng ca NH A kim im S d tin gi tit kim trung bnh (VND) ti NH A im 15 > 500 triu
40 100 500 triu 10 Ch s dng th 5 100 500 triu 25
Thi gian qu hn < 30 ngy 0 Cha bao gi chm tr trong 2 nm gn y 0 500 triu - 1 t 5 Tit kim v th 25 20 100 triu 10
Thi gian qu hn > 30 ngy -5 c ln chm tr trong 2 nm gn y -5 > 1 t
-5 Khng s dng dch v g -5 < 20 triu
40
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3.2.4. Bc 4: Tng hp im v x p h ng khch hng

CBTD tng hp im bng cch cng tng s im chm trong bng 3B. Sau khi tng hp im, CBTD x p h ng khch hng nh sau:
Loi
Aaa Aa a Bbb Bb b Ccc Cc c d
S im t c
>= 401 351 400 301 350 251 300 201 250 151 200 101 150 51 100 0 50 <0
3.2.5. Bc 5: Trnh ph duyt kt qu chm im tn dng v xp hng khch hng Sau khi hon tt vic xp hng khch hng c nhn, CBTD lp t trnh ngh Gim c NHCV ph duyt. T trnh phi c TPTD kim tra v k trc khi trnh ln Gim c. Ni dung ca t trnh phi c nhng c bn nh sau: - Gii thiu thng tin c bn v khch hng. - Phng php/m hnh p dng chm im tn dng. - Ti liu lm cn c chm im tn dng. - Nhn xt/nh gi ca CBTD dn ti kt qu chm im v xp hng khch hng. Sau khi t trnh c ph duyt, kt qu chm im tn dng v xp hng khch hng phi c cp nht ngay vo h thng thng tin tn dng ca ngn hng.
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3.3. ng dng kt qu chm im tn dng v xp hng khch hng trong vic ra quyt nh cp tn dng
Kt qu chm im tn dng v xp hng khch hng c nhn c NHCV ng dng trong vic ra quyt nh cp tn dng nh hng dn trong bng sau: Loi
Aaa Aa a Bbb Bb b Ccc Cc c d
Cp tn dng p ng ti a nhu cu tn dng. p ng ti a nhu cu tn dng. p ng ti a nhu cu tn dng. Cp tn dng vi hn mc tu thuc vo phng n bo m tin vay; C th cp tn dng nhng phi xem xt k lng hiu qu phng n vay vn v bo m tin vay; Khng khuyn khch m rng tn dng m tp trung thu n. T chi cp tn dng; T chi cp tn dng; T chi cp tn dng; T chi cp tn dng;
4. nh gi li hng khch hng Hng khch hng phi phn nh chnh xc tnh trng ri ro ca mi khch hng. V vy, hng khch hng c nh gi li mi nm 1 ln. Ngoi ra, cc CBTD phi nh gi li hng khch hng bt k lc no c s kin xy ra c th gy nh hng n kh nng tr n ca khch hng, v nu cn thit th hng khch hng phi c iu chnh kp thi. Cc du hiu hoc s kin dn ti vic cn phi xem xt li hng khch hng c nu ti cc mc
3.2.1; 3.2.3 v 3.2.4 trong Chng XI "Qun l n c vn ".

Vic nh gi li (nng hoc gim) hng khch hng phi tun th quy trnh chm im tn dng v xp hng khch hng nh hng dn ti cc mc (2), (3).
96
PH L C CHNG V
Bng 2B. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh nng, lm, ng nghip ng
Trng s Quy m ln 100 80 60 40 20 100 80 60 40 20 100 Quy m va 80 Phn loi cc ch tiu ti chnh i vi doanh nghip Quy m nh 60 40 20
Ch tiu
A Ch tiu thanh khon 8% 8% 1.1 0.8 0.6 0.2 <0,2 1.3 1 0.7 0.4 2.1 1.5 1 0.7 <0,7 2.3 1.6 1.2 0.9 <0,9 <0,4 2.5 1.5 2 1.2 1.5 1 1 <1 0.7 <0,7
1 Kh nng thanh ton ng n h n
2 Kh nng thanh ton nhanh
B Ch tiu hot ng 10% 10% 10% 3.5 2.9 2.3 1.7 <1,7 4.5 3.9 40 50 60 70 >70 39 45 55 3.3 4 3.5 3 2 <2 4.5 4 3.5 3 60 2.7 <3 >60 <2,7 4 34 5.5 3 38 4.9 2.5 44 4.3 2 55 <2 >55 3.7 <3,7
3 Vng quay hng tn kho
4 K thu tin bnh qun
5 Hiu qu s dng ti sn
cn C Ch tiu c n n (%) 10% 10% 10% 0 1 2 3 >3 64 92 143 233 >233 42 0 39 48 59 70 >70 30 40 66 1 50 108 2 60 185 3 >60 >185 >3 30 42 0 35 53 1 45 81 2 55 >55 122 >122 3 >3
6 N phi tr / tng ti sn
7 N phi tr/ ngun vn ch s hu
8 N qu hn/ tng d n ngn hng
D Ch tiu thu nhp (%) 8% 8% 4.5 4 3.5 3 3 2.5 2 1.5 <1,5 <3 4 5 3.5 4.5 3 4 2.5 3.5 <2,5 <3,5 5 6 4.5 5.5 4 5 3.5 <3,5 4.5 <4,5
9 Tng thu nhp trc thu / doanh thu
10 Tng thu nhp trc thu/ Tng ti sn
Tng thu nhp trc thu/ ngun vn ch 11 s hu 8% 100% 10 8.5 7.6
7.5
<7,5
10
7.5
<7
10
8.3
7.4 <7,4
Tng
thng Bng 2C. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh thng mi dch v
Phn loi cc ch tiu ti chnh i vi doanh nghip Quy m ln 100 80 60 40 20 100 80 Quy m va 60 40 20 100 80 Quy m nh 60 40 20
Ch tiu
Trng s
97
A 8% 8% 1.4 0.9 0.6 0.4 <0,4 1.7 1.1 0.7 0.6 <0,6 2.2 1.8 1.2 2.1 1.6 1.1 0.8 <0,8 2.3 1.7 1.2 1 <1 2.9 2.3 1.7
Ch tiu thanh khon

1.4 0.9 <1,4 <0,9
B 10% 10% 10% 3 2.5 2 1.5 <1,5 3.5 3 2.5 2 <2 4 39 45 55 60 >60 34 38 44 55 >55 32 5 4.5 4 3.5 <3,5 6 5.5 5 4.5 <4,5 7 6.5 37 3.5
6 43 3
5.5 50 2.5
<5,5 >50 ,2,5
C 10% 10% 10% 0 1 1.5 2 >2 0 1.6 1.8 2 53 69 122 185 >185 42 66 100 150 35 45 55 65 >65 30 40 50 60 >60 >150 >2
Kh nng thanh ton ng n h n Kh nng thanh ton nhanh Ch tiu hot ng Vng quay hng tn kho K thu tin bnh qun Hiu qu s dng ti sn cn Ch tiu c n n (%) N phi tr / tng ti sn
25 33 0 35 54 1.6 45 81 1.8
55 122 2
>55 >122 >2
N qu hn/ tng d n ngn hng D Ch tiu thu nhp (%)

8% 8% 6.5 6 5.5 5 <5 7 6.5 6 7 6.5 6 5.5 <5,5 7.5 7 6.5 6 5.5
<6 5
8 7.5
7.5 7
7 6.5
6.5 6
<6,5 <5
11 8% 100% 14.2 12.2 10.6 9.8 <9,8 13.7
Tng thu nhp trc thu/ ngun vn ch s hu

12
10.8
9.8
<9,8
13.3
11.8
10.9
10
<10
Tng
nghip Bng 2D. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh xy dng
Phn loi cc ch tiu ti chnh i vi doanh nghip Quy m ln 100 80 60 40 20 100 80 Quy m va 60 40 20 100 80 Quy m nh 60 40 20
Ch tiu
Trng s
A Ch tiu thanh khon 1 Kh nng thanh ton ng n h n 8% 8% 1.9 0.9
1 0.7
0.8 0.4
0.5 0.1
<0.5 <0.1
2.1 1
1.1 0.7
0.9 0.5
0.6 0.3
<0.6 <0.3
2.3 1.2
1.2 1
1 0.8
0.9 0.4
<0.9 <0.4
2 Kh nng thanh ton nhanh
B Ch tiu hot ng 3 Vng quay hng tn kho 10% 10%
3.5 60
3 90
2.5 120
2 150
<2 >150
4 45
3.5 55
3 60
2.5 65
<2.5 >65
3.5 40
3 50
2 55
1 60
<1 >60
4 K thu tin bnh qun
98
5 Hiu qu s dng ti sn 10% 2.5 2.3 2 1.7 <1.7 4 3.5 2.8 2.2 <2.2 5 4.2 3.5 2.5
<2.5
cn C Ch tiu c n n (%) 6 N phi tr / tng ti sn 10% 10% 10% 0 1 1.5 2 >2 0 1.6 1.8 2 >2 0 1 69 100 150 233 >233 69 100 122 150 >150 66 69 100 1.5 55 60 65 70 >70 50 55 60 65 >65 45 50 55
60 122 2
>60 >122 >2
8 N qu hn/ tng d n ngn hng
D Ch tiu thu nhp (%) 9 Tng thu nhp trc thu / doanh thu 8% 8% 6 4.5 3.5 2.5 <2.5 6.5 5.5 4.5 3.5 <3.5 8 7 6 5 <5 9 8 7 6 <6 10 7.5
9 6.5
8 5.5
7 4.5
<7 <4.5
Tng thu nhp trc thu/ ngun vn ch s hu 8% 100% 9.2 9 8.7 8.3 <8.3 12 11 10 8.7 <8.7 11 11 10 9.5 <9.5
11
Tng
99
thuc Bng 2E. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh cng nghip
Phn loi cc ch tiu ti chnh i vi doanh nghip Quy m ln 100 80 60 40 20 100 80 60 40 20 100 80 Quy m va Quy m nh 60 40 20
Ch tiu
Trng s
A 8% 8% 1.1 0.8 0.4 0.2 <0.2 1.2 0.9 0.7 0.3 <0.3 2 1.4 1 0.5 <0.5 2.2 1.6 1.1 0.8 <0.8 2.5 1.3
Ch tiu thanh khon

1.8 1 1.3 0.8 1 0.6 <1 <0.6
B 10% 10% 10% 2.3 2 1.7 1.5 <1.5 3.5 2.8 2.2 45 55 60 65 >65 35 45 55 60 1.5 5 4 3 2.5 <2.5 6 5 4 3
<3 >60 <1.5
4.3 30 4.2
4 40 3.5
3.7 50 2.5
3.4 55 1.5
<3.4 >55 <1.5
C 10% 10% 10% 0 1 1.5 2 >2 0 122 150 185 233 >233 100 45 50 60 70 >70 45 50 122 1.6
Kh nng thanh ton ng n h n Kh nng thanh ton nhanh Ch tiu hot ng Vng quay hng tn kho K thu tin bnh qun Hiu qu s dng ti sn cn Ch tiu c n n (%) N phi tr / tng ti sn
55 150 1.8 65 185 2 >65 <185 >2
40 82 0
45 100 1
50 122 1.4
55 150 1.8
>55 >150 >1.8
N qu hn/ tng d n ngn hng D Ch tiu thu nhp (%)

8% 8% 6 5.5 5 4 5.5 5 4 3 <3 <4 6
5.5 6.5 6
4 5.5
2.5 5
<2.5 <5
6.5 7
6 6.5
5 6
4 5
<4 <5
Tng thu nhp trc thu/ ngun vn ch 11 s hu

8% 100% 14.2 13.7 13.3 13
<13
14.2
13.3
13
12.2
<12.2
13.3
13
12.9
12.5
<12.5
Tng

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