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STAYTÍNDNG–NDTDST
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MCLC
DANHMCTVITTT
..............................................................................................15
GIITHÍCHTHUTNG
...............................................................................................16
CHƯƠNGI.GIITHIUCHUNG
...................................................................................21
1.Mcñíchvàýnghĩac+aS-tayTíndng(STTD)NHAVi4tNam(NHA)................21
2.C6utrúcS-tayTíndng...................................................................................................21
3.Ph<mviápdng.................................................................................................................21
4.T-ch@cthAchi4n...............................................................................................................22
5.HưCngdDncEpnhEt,b-sung,chInhsJa.........................................................................22
PHLC1A.DANHMCVĂNB!NPHÁPLÝ...........................................................23
CHƯƠNGII.CƠCKUTLCHMCBOMÁYQUÁNLÝTÍNDNG
................................28
1.GiCithi4uchung.................................................................................................................28
2.NguyêntVct-ch@cho<tñXngtíndng............................................................................28
3.Cơc6ut-ch@cbXmáyqu[nlýtíndng..........................................................................29
3.1.Cơc'ut)ch*ckhung....................................................................................................29
3.2.Ch*cnăngnhi.mv1.....................................................................................................29
4.Phlc.................................................................................................................................38
PHLC2ASƠð4QUYTRÌNHTÍNDNGCHUNG................................................38
PHLC2B.SƠð4CƠC:UTCH;CB<MÁYQU!NLÝTÍNDNG...............38
CHƯƠNGIII.PHÂNCKPTH_MQUY`NPHÊDUYTTÍNDNG
.............................41
1.Mcñích..............................................................................................................................42
2.NguyêntVcphânc6pthcmquydnphêduy4ttíndng....................................................42
3.Quydnphánquyetc+acácc6pthcmquydn.....................................................................42
3.1.T)ngGiámñ?cNHA...................................................................................................43
3.2.Giámñ?cChinhánhNHA...........................................................................................43
3.3.BiAuphânc'pthDmquyGnphêduy.thJnm*cchomKtkháchhàng............................44
4.Quytrìnhphêduy4tmXtgiaodgchtíndng(chovayhohcb[olãnh)...........................46
4.1.Quytrìnhphêduy.t.......................................................................................................46
4.2.ThPigianthDmñQnh/táithDmñQnhvàquyStñQnhchovay............................................48
5.XâydAngvàphânb-h<nm@ctEptrungtíndng.........................................................48
5.1.NguyêntUc....................................................................................................................48
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STAYTÍNDNG–NDTDST
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5.2.QuytrìnhxâydWngvàphêduy.thJnm*ctXptrungtínd1ng......................................49
6.Thayñ-ih<nm@ctíndng...............................................................................................51
7.Cácm@cphánquyetvdgiah<nnl(gmcvàlãi)vàñiduchInhkỳh<nnl.....................51
CHƯƠNGIV.CHÍNHSÁCHTÍNDNGCHUNG
...........................................................53
1.Mctiêuc+achínhsáchtíndng.....................................................................................54
2.NXidungc+achínhsáchtíndngchung.........................................................................54
2.1 QuyGntWchZcZaNHNo&PTNTVN.....................................................................54
2.2 ð?itư]ngkháchhàngvaytJiNHA..........................................................................54
2.3 Nh^ngñ?itư]ngvànhuc_uv?nkhôngñư]cchovay..............................................55
2.4 HJnchSchovay.........................................................................................................55
2.5 NguyêntUcvàñiGuki.nvayv?n................................................................................55
2.6 Phươngth*cchovay..................................................................................................57
2.7 Cănc*xácñQnhm*ctiGnchovay..............................................................................58
2.8 QuyñQnhvGtrbn]g?cvàlãivay...............................................................................58
2.9 ðiGuchenhkỳhJntrbn]/chuyAnn]quáhJn...........................................................59
2.10 Cănc*xácñQnhlãisu'tchovay,lãisu'tưuñãi,lãisu'tquáhJn.............................60
2.11 Cănc*xácñQnhthPihJnvàthAloJichovay.............................................................60
2.12 ðjngtiGnchovayvàthun].......................................................................................61
2.13 QuyñQnhqubnlýngoJih?icZanhànưlcvGchovaybnngngoJit.ñ?ivlikháchhàngvaylàngưPicư
trú 61
2.14 QuyGnvànghĩav1cZangưPivayvàngưPichovay..................................................62
2.15 Chínhsáchưuñãikháchhàng....................................................................................63
2.16 ChínhsáchcJnhtranh/marketing.............................................................................63
2.17 Chovaytheocácm1cñíchvàñ?itư]ngñqcbi.t......................................................63
3.B-sung,sJañ-ichínhsáchtíndngtrongtpngthqikỳ...............................................64
4.Phlc.................................................................................................................................65
PHLC4A.DANHMCVĂNB!NPHÁPLÝ...........................................................65
PHLC4B.PHƯƠNGTH;CCHOVAYTHEOHuNM;CTÍNDNG.................66
PHLC4C.PHƯƠNGTH;CCHOVAYTHEODvÁNðwUTƯ............................68
PHLC4D.PHƯƠNGTH;CCHOVAYTR!GÓP...................................................70
PH LC 4E. PHƯƠNG TH;C CHOVAY THÔNG QUA NGHI{P V PHÁT HÀNH VÀS} DNG
TH~TÍNDNG..................................................................................................................70
PHLC4F.PHƯƠNGTH;CCHOVAYTHEOHuNM;CTÍNDNGDvPHÒNG71
PHLC4G.PHƯƠNGTH;CCHOVAYH•PV‚N(ð4NGTÀITR•)...................71
PHLC4H.PHƯƠNGTH;CCHOVAYTHEOHuNM;CTH:UCHI.................71
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STAYTÍNDNG–NDTDST
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PHLC4I.PHƯƠNGTH;CCHOVAYLƯUV......................................................72
PHLC4K.CHOVAYLƯUVð‚IV†IH<GIAðÌNH,CÁNHÂNS!NXU:TNÔNG,LÂMNGƯ,
DIÊMNGHI{PTHÔNGQUATVAYV‚N..................................................................72
PHLC4L.CHOVAYð‚IV†IH<GIAðÌNH,CÁNHÂNS!NXU:TNÔNG,LÂM,NGƯ,DIÊM
NGHI{PTHÔNGQUADOANHNGHI{P........................................................................75
PHLC4M.CHOVAYƯUðÃIVÀCHOVAYðwUTƯXÂYDvNGTHEOK‹HOuCHNHÀNƯ†C
75
PHLC4N.CHOVAYTHEOUŒTHÁC.....................................................................76
PHLC4P.M•US‚04C/CVŽGI:YNH•NN•.......................................................77
CHƯƠNGV.HTHrNGCHKMðItMTÍNDNGVÀXPHvNGKHÁCHHÀNG
..79
1.GiCithi4uchung.................................................................................................................80
1.1.Kh¸iniÖmhÖthèngchÊm®iÓmtÝndôngvxSphJngkh¸chhng.............................80
1.2.Môc®ÝchcñaviÖcchÊm®iÓmtÝndôngvxÕph¹ngkh¸chhng.................................80
1.3.Nguyªnt¾cchÊm®iÓmtÝndông....................................................................................81
1.4.Ph©nnhãmkh¸chhng.................................................................................................81
1.5.C¸cc«ngcôchÊm®iÓmtÝndông.................................................................................81
1.6.Tr¸chnhiÖmcñac¸cc¸nbéliªnquan..........................................................................81
2.HưCngdDnch6mñiymtíndngvàxeph<ngkháchhàngdoanhnghi4p.....................82
2.1.H¹ngdoanhnghiÖp........................................................................................................82
2.2.Quytr×nhchÊm®iÓmtÝndôngvxÕph¹ngkh¸chhng...............................................84
2.3.øngdôngkÕtqu¶chÊm®iÓmtÝndôngvxÕph¹ngkh¸chhngtrongviÖcraquyÕt®ÞnhcÊptÝndôngv
gi¸ms¸tsaukhichovay.......................................................................................................89
3.HưCngdDnch6mñiymtíndngvàxeph<ngkháchhàngcánhân...............................90
3.1.H¹ngkh¸chhng...........................................................................................................90
3.2.Quytr×nhchÊm®iÓmtÝndông.......................................................................................90
3.3.øngdôngkÕtqu¶chÊm®iÓmtÝndôngvxÕph¹ngkh¸chhngtrongviÖcraquyÕt®ÞnhcÊptÝndông 95
CHƯƠNGVI.XÁCð{NHLÃISUKTCHOVAY
...........................................................105
1.GiCithi4uchung...............................................................................................................106
2.CácbXphEnliênquantrongvi4cxâydAngchínhsáchlãisu6tchovay.....................106
3.Tráchnhi4mvàquydnh<ntrongvi4cxâydAngchínhsáchlãisu6tchovay.............106
4.XâydAngquychexácñgnhlãisu6tchovay..................................................................106
5.Cácyeutmc6uthànhlãisu6tchovay.............................................................................107
6.Quytrìnhxácñgnhlãisu6tchovay................................................................................107
6.1.QuytrìnhxácñQnhlãisu'tchovaytheophươngphápcJnhtranhtheolãisu'tthQtrưPng 108
6.2.QuytrìnhxácñQnhlãisu'tchovaytheophươngphápñiGuchenhrZirotrêngiáv?n108
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4
7.Cáclo<ilãisu6ttíndng.................................................................................................108
7.1.Lãisu'tchovaytronghJn..........................................................................................108
7.2.Lãisu'tchovayquáhJn.............................................................................................109
CHƯƠNGVII.QUYTRÌNHCHOVAYVÀQUNLÝTÍNDNGDÂNCƯ
...............110
1.GiCithi4uchung...............................................................................................................111
2.Ph<mviápdngvàñmitưlngchovay...........................................................................111
2.1.PhJmviápd1ng..........................................................................................................111
2.2.ð?itư]ngñư]cvay.....................................................................................................111
2.3.Nh^ngñ?itư]ngvànhuc_uv?nkhôngñư]cchovay...............................................111
2.4.ð?itư]ngbQhJnchSchovay......................................................................................111
3.GiCih<nchovay...............................................................................................................111
4.Chovaycób[oñ[mb•ngtàis[nvàkhôngcób[oñ[mb•ngtàis[n.........................112
5.Tráchnhi4mc+acáccánbXliênquan...........................................................................112
6.Quytrìnhnghi4pvchovay...........................................................................................112
6.1.TiSpnhXnvàhưlngd•nkháchhàngvGñiGuki.ntínd1ngvàhjsơvayv?n............112
6.2.KiAmtrahjsơvàm1cñíchvayv?n...........................................................................112
6.3.ðiGutra,thuthXp,t)ngh]pthôngtinvGkháchhàngvàphươngánvayv?n.............113
6.4.KiAmtra,xácminhthôngtin.......................................................................................114
6.5.Phântíchngành...........................................................................................................114
6.6.Phântích,thDmñQnhkháchhàngvayv?n...................................................................114
6.7.DWkiSnl]iíchchongânhàngnSukhobnvayñư]cphêduy.t...................................115
6.8.Phântích,thDmñQnhphươngánvayv?n/dWánñ_utư...............................................115
6.9.ThDmñQnhcácbi.nphápbboñbmtiGnvay................................................................116
6.10.LXpbáocáothDmñQnhchovay.................................................................................116
6.11.TáithDmñQnhkhobnvay...........................................................................................117
6.12.XácñQnhphươngth*cvànhuc_uchovay...............................................................118
6.13.Xemxétkhbnăngngujnv?nvàñiGuki.nthanhtoáncZaChinhánh/TTðH..........118
6.14.Phêduy.tkhobnvay.................................................................................................118
6.15.KýkSth]pñjngtínd1ng/s)vayv?n,h]pñjngbboñbmtiGnvay,giaonhXngi'ytPvàtàisbnbboñbm
119
6.16.TuânthZthêigianthDmñQnh,xétduy.tchovay......................................................120
6.17.Gibingân...................................................................................................................121
6.18.KiAmtra,giámsátkhobnvay....................................................................................121
6.19.Thun]lãivàg?cvàx’lýnh^ngphátsinh..............................................................121
MCLC
STAYTÍNDNG–NDTDST
caohockinhte.info
5
5
6.20.Thanhlýh]pñjngtínd1ng......................................................................................121
6.21.Gibit“atàisbnbboñbm............................................................................................121
7.Qu[nlýtíndng...............................................................................................................122
7.1.Qubnlýhjsơtínd1ng................................................................................................122
7.2.ðánhgiálJicáckhobnn]ñQnhkỳvàgi^akỳhoqcñKtxu'tkhic_n.........................122
7.3.Qubnlýñ?ivlit”ngkhobnchovayvàtoànbKdanhm1cchovay............................122
7.4.ThuthXpthôngtinb)sungvGkháchhàngvàkhobnvay:..........................................122
7.5.Thayñ)ihJnm*ctínd1ngvàphêduy.t....................................................................123
8.Phlc...............................................................................................................................124
PHLC7A.DANHMCH4SƠPHÁPLÝ...............................................................124
PHLC7B.DANHMCH4SƠKHO!NVAY........................................................124
PHLC7C.HƯ†NGD•NPHÂNTÍCHTƯCÁCHVÀNĂNGLvCPHÁPLU•T,NĂNGLvCHÀNH
VIDÂNSv,NĂNGLvCðI–UHÀNHVÀQU!NLÝS!NXU:TKINHDOANHC—AKHÁCHHÀNG
126
PHLC7D.KI˜MTRATÍNHCHÍNHXÁCC—ABÁOCÁOK‹TQU!S!NXU:TKINHDOANH
128
PH LC 7E. PHÂN TÍCH, ðÁNH GIÁ TÌNH HÌNH HOuT ð<NG VÀ KH! NĂNG TÀI CHÍNH
129
PHLC7G.DANHMCðI–UTRAðÁNHGIÁK‹HOuCHKINHDOANH.....131
PHLC7H.HƯ†NGD•NKI˜MTRAH4SƠSAUKHIKÝH•Pð4NGTÍNDNG/SVAYV‚N,
H•Pð4NGB!Oð!MTI–NVAY................................................................................135
PHLC7I.QUYTRÌNHGI!INGÂN.........................................................................137
PHLC7K.KI˜MTRA,GIÁMSÁTKHO!NVAY..................................................139
PHLC7L.QU!NLÝð‚IV†IT™NGKHO!NCHOVAYVÀTOÀNB<DANHMCCHOVAY
141
PHLC7M.M•UBÁOCÁOTHšMð›NH..............................................................143
CHƯƠNGVIII.QUYTRÌNHCHOVAYVÀQUNLÝTÍNDNGDOANHNGHIP
148
1.GiCithi4uchung...............................................................................................................150
2.Ph<mviápdngvàñmitưlngchovay...........................................................................150
2.1.PhJmviápd1ng..........................................................................................................150
2.2.ð?itư]ngñư]cvaybaogjm:.....................................................................................150
2.3.Nh^ngnhuc_uv?nkhôngñư]cchovay....................................................................150
2.4.ð?itư]ngbQhJnchSchovay......................................................................................150
3.GiCih<nchovay...............................................................................................................150
4.Chovaycób[oñ[mb•ngtàis[nvàkhôngcób[oñ[mb•ngtàis[n.........................150
5.Tráchnhi4mc+acáccánbXcóliênquan......................................................................151