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Quy trnh cho vay ca Ngn hng Cng thng Vit Nam VietinBank
Ging vin:Phan Th Hong Yn
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Danh sch nhm tho lun: 1.Nguyn Th Mai Trang. 2.Nguyn Vn T. 3.L Th Ngc. 4.Bi Th Dim Qunh. 5.L Trung Hng. 6.Phm Ngc Cng. 7.Nguyn Duy Thanh.
Bc 2: Thm nh mc p ng cc iu kin vay vn. Bc 3: Xc nh s tin, phng thc, li sut, thi hn cho vay; nh kz hn n v xem xt iu kin thanh ton. Bc 4: Lp t trnh thm nh cho vay, son tho HTD, HBTV v trnh ph duyt cho vay Bc 5: Cng chng hoc chng thc HBTV; ng k GDB; giao nhn giy t ca TSB v/hoc TSB. Bc 6: Gii ngn, thu n gc, li v kim tra, gim st mn vay.
Phng vn v trao i vi khch hng. . khch hng vay vn phc v mc ch Hng dn tiu dng
Bc 3: Xc nh s tin, phng thc, li sut, thi hn cho vay; nh kz hn n v xem xt iu kin thanh ton
Xc nh s tin cho vay.
Xc nh phng thc cho vay. Xc nh li sut cho vay. Xc nh thi hn cho vay. Xc nh kz hn tr n gc v li.
Bc 4: Lp t trnh thm nh cho vay, son tho HTD, HBTV v trnh ph duyt cho vay.
Bc 5: Cng chng hoc chng thc HBTV; ng k GDB; giao nhn giy t ca TSB v/hoc TSB
thc hin theo Quy trnh nhn cm c, th chp ca khch hng hoc ca bn th ba v Quy trnh nhn bo m bng ti sn hnh thnh t vn vay ca NHCTVN
Gii ngn.
Thu n gc v li.
Kim tra, gim st mn vay
Bc 7: C cu li thi hn tr n.
Tip nhn h s, thm nh c cu li thi hn tr n. CBTD Lnh o phng KHCN Thm nh ri ro tn dng (trng hp phi qua Phng/ t QLRR). CBTRR Lnh o phng/ t QLRR Ph duyt c cu li thi hn tr n.
CBTD phi hp vi Phng KT, Phng KQ thc hin vic gii chp h s, TSB v thanh l HTD, HBTV.
Trnh t, th tc gii chp tng phn hoc ton b c thc hin theo Quy trnh nhn cm c, th chp ca khch hng hoc ca bn th ba v Quy trnh nhn bo m bng ti sn hnh thnh t vn vay ca NHCTVN.
Bc 10: X l ri ro.
i vi cc mn n dng mi bin php gii quyt nhng khng thu hi c phi x l ri ro th cn c vo ch , vn bn quy nh, lp y h s php l, hp Hi ng tn dng x l theo thm quyn hoc lp vn bn trnh Tng gim c NHCTVN gii quyt
CBTD lp v lu gi y , nguyn vn h s cho vay theo quy nh ca NHCTVN; b sung kp thi nhng h s, giy t do khch hng cung cp hoc pht sinh trong sut qu trnh cho vay t khi tip nhn h s ngh vay vn n khi khch hng tr ht n gc v li. CBTRR lu gi ton b h s do Phng KHCN cung cp cng vi bo co kt qu thm nh ri ro tn dng ca Phng/ t QLRR v cc kin gi Phng KHCN.
Ngi c thm quyn quyt nh cho vay Quyt nh trn c s t trnh ti thm nh cho vay, bo co kt qu thm nh ri ro tn dng K vn bn tr li chi nhnh
Bc 1: Lp h s khch hng Bc 2: iu tra,thu thp,tng hp thng tin v khch hng v phng n vay vn Bc 3: nh gi nng lc php l Bc 4: nh gi nng lc iu hnh, SXKD Bc 5: Phan tch tnh hnh kinh doanh,tnh hnh ti chnh khch hng
Bc 6: Phn tch tnh hnh sn xut kinh doanh ca DN Bc 7: nh gi hiu qu ti chnh v kh nng tr n ca phng n sn xut kinh doanh Bc 8: Bo m tin vay
Ti liu, bo co v tnh hnh sn xut, kinh doanh, dch v, kh nng ti chnh ca khch hng
H s ngh cp GHTD
2.2. IU TRA, THU THP, TNG HP THNG TIN V KHCH HNG V PHNG N VAY VN
Thng tin chung v Khch hng
Phn tch ngnh Phn tch th trng v kh nng tiu th sn phm, dch v u ra ca PASXKD/DAT
Th trng ni a
nh gi kh nng cung cp nguyn vt liu v cc yu t u vo ca PASXKD/DAT. i vi phng n SXKD i vi d n u t nh gi hiu qu, kh nng tr n, ri ro v mt ti chnh ca phng n/d n.
T cch, nng lc php l ca khch hng iu tra a v php l v nng lc php lut dn s ca khch hng Thi hn hot ng cn li ca khch hng (nu c)
T cch php l ca ngi i din trong giao dch vi ngn hng Ngi i din theo php lut Thm quyn ca ngi i din theo qui nh ca php lut, iu l t chc hot ng ca khch hng Hiu lc ca cc ti liu chng minh thm quyn ca ngi i din
Trnh , kinh nghim ca thnh vin Ban lnh o trong lnh vc ch cht ca khch hng. Cc mi quan h c nhn, mc hp tc trong Ban lnh o C ch ra quyt nh v qun l ti chnh ca Cng ty. Bin ng v nhn s lnh o (nu c) v tc ng ny n hot ng SXKD, ti chnh v quan h tn dng ca khch hng. Ngi ng u, ngi gi vai tr quyt nh i vi hot ng SXKD, ti chnh ca Cng ty
2.5. PHN TCH, NH GI TNH HNH HOT NG KINH DOANH, TNH HNH TI CHNH KHCH HNG
Tnh hnh sn xut Cc iu kin v sn xut, tnh trng my mc thit b Kt qu sn xut
Tnh hnh bn hng Thay i v doanh thu Phng php v t chc bn hng i tng khch hng Gi bn ca sn phm Qun l chi ph Phng thc thanh ton S lng n t hng
i vi ngun thu t phng n vay: cn phn tch thi gian thc hin phng n, dng tin ca phng n trn c s phng thc tiu th sn phm, tho thun hn mc tn dng cp cho cc i tc mua hng, phng thc bo m, ... -i vi cc ngun thu khc: v d nh thu t cc khon phi thu, thu t li nhun u t, thu t doanh thu trong kz,... cn c c s xc nh ng tin cy (s liu hch ton k ton ca KH, chng t c s cho vic hch ton
Bc 4: Nhp thng tin vo chng trnh INCAS v lun chuyn chng t CBTD nhn li chng t c ngi c thm quyn quyt nh cp tn dng ph duyt, nhp cc thng tin ca khon vay vo chng trnh INCAS. CBTD chuyn cc chng t c ngi c thm quyn quyt nh cp tn dng ph duyt cho cc phng nghip v lin quan
Phng php gim st S dng chc nng cnh bo trc tuyn ca h thng phn mm x l d liu thng tin Theo di v phn tch cc loi bo co thng k ngy, thng, qu v nm lin quan n hot ng tn dng Phng php kim tra Kim tra ton b cc h s tn dng ca khch hng lm vic trc tip vi khch hng v kim tra thc t v h s, s sch, ti liu c lin quan Phng vn CBTD nhm nh gi trnh chuyn mn, k nng, hiu bit v pht hin cc biu hin ri ro o c ca CBTD Ni dung kim tra, kim sot tn dng chuyn trch Kim tra vic t chc hng dn thc hin cc vn bn php lut ca nh nc:C v ni dung v tnh kp thi Kim tra vic tun th cc qui nh ca php lut v cc qui ch, quy nh, qui trnh tn dng ca NHCT Vit Nam. Gim st vic thc hin cc hn mc kim sot ri ro tn dng