3.

Gai ngn/pht hnh th bo

lnh/TTQT

2.Hon thin h s,k hp ng

1.Thm nh v xt
duyt cp tn dng

QHKH

TTD

HTQHKH

G/PG Chi Nhnh

Tip nhn h s
KH (1.1)

Bo co nh gi
KH (1.2)

Thm nh
tn dng
(1.3 )

Thm nh
TSB (1.4)
Xt duyt (1.5)

Hon thin h s th tc theo ph duyt

Hp 3 bn thng nht cc iu kin, iu khon ca
hp ng theo ph duyt ( nu cn ).
QHKH thng bo cho KH ni dung ph duyt.
QHKH b sung h s theo yu cu ph duyt ( nu cn ).
HTQHKH son H, vn bn trnh cn b kim sot (2.1)

Gi thiu KH vi
HTQHKH phi
hp ( 2.2 )

K hp ng vi
KH;
Thc hin nhn
v qun l TSB
( 2.2)

Tip nhn thng

tin, tnh hnh gii
ngn/pht hnh th
BL/LC

Nhn v lp h s
gii ngn.
Hoc son pht hnh
th BL.
Thc hin nghip v
TTQT ( 3.1 )
Gai ngn/pht hnh
th BL
Nhp thng tin vo
h thng
Lu h s ( 3.2 )

K hp ng,
vn bn ( 2.2)

K h s

5. X l n qu hn 4.Qun l khon vay, thu hi tn

dng

- Phi hp vi HTQHKH kim

tra sau gii ngn,tnh hnh KH.
- Chm sc KH.
- Bn cho sn phm.
- Phi hp HTQHKH nhc n
khi n hn,gii quyt cc vn
pht sinh.

- Qun l ti khon.
- Theo di cc iu kin ph
duyt,qun l sau cp tn dng.
- Nhc n gc,li n hn,i
chiu thu n gc li.
- Gii quyt cc vn pht sinh.
- nh gi li TSB theo yu cu.
- Thanh l HBL/TSB

Hp bn phng n x l
- Khi c n qu hn ngh thc hin ngha v BL, QHKH, Thm nh tn dng khon
vay, HTQHKH hp bn phng n x l.
- Thm nh tn dng lp Bo co trnh Cp c thm quyn ( thng thng n nhm 2 do
Chi nhnh gii quyt, n nhm 3-5 do khi QTRR ch tr )
- QHKH, TTD,Ban gim c lm vic vi khch hng ( Thm nh tn dng ch tr qu
trnh x l n )
- N xu c chuyn sang AMC theo quy nh ca qun l n xu ca MB hoc do khi
QTRR xut xt duyt tng trng hp.