Tn tht chung th tnh trn 12% = A Tn tht ring ca NH th l tnh trn 11% ri tr i 35% gi li nm 1 = B Tn tht ring ca cng ty bn l tnh

trn 1% ri cng thm 35% gi li nm 1 = C = A B cc h s thanh ton( ging bi 9, bi 10/57) xc nh thi hn cho vay nhn xt v ngun v s dng ngun Va thu hp va m rng my . Tsb l iu kin b sung cho khch hng vay vn. Tuy nhin nu tsb khng k th KH ko c php vay --> thu hp tn dng. Cu 2: Nhn nh sau ng hay sai? Gii thch. Nu mt phng n kinh doanh km hiu qu nhng ti sn m bo y th khng c ri ro cho ngn hng. -> Sai: Ti sn m bo l 1 ngun thu n th 2 ca ngn hng trong trng hp KH ko tr c n cn ngun thu nhp ca KH (li nhun ca cng ty) mi l ngun thu n chnh. Hn na vic x l pht mi TSBD khng d dng, TSBD c th b gim gi tr hoc kh tiu th,... -> ri ro ln. Cu 3: Gii thch v sao cho vay tiu dng gin tip gp phn lm tng doanh s cho ngn hng. CVTD gin tip tim n nhng ri ro g? + CVTD gin tip l hnh thc cho vay trong NH mua cc khon n pht sinh do nhng cy bn l bn chu hng ha hay dch vu cho ngi tiu dng. Thay bng vic tm n tng KH c nhn ngh cho vay, vic ny gp nhiu kh khn, mt time, chi ph do phi tm hiu nhu cu vay ca KH th NH ch cn tm n cc cty bn l c sn danh sch KH s d dng hn, gia tng doanh s. + Ri ro: - NH ko trc tip tip xc, gim st vic tr n ca ngi tiu dng mua chu. - Cc cty bn l thng quan tm nhiu hn n doanh thu bn hng, vic quyt nh bn chu c quyt nh vi vng, ch quan, thiu thn trng. Cu 4: Phn tch cc c s quyt nh mc cho vay v thi hn cho vay. + Mc cho vay: - Nhu cu xin vay ca KH: xem xt v phng n, d n kinh doanh, vn t c ca DN v 1 s ngun vn # v gi tr ti sn bo m. - Kh nng ngun vn ca NH: cn c vo kh nng thanh ton chi tr ca NH (gii hn cho vay ti a da theo VTC ca NH); cn c vo phng thc cho vay tng ln hay cho vay theo hn mc tn dng. + Thi hn cho vay: - Thi gian ngi s dng cn s dng vn vay: ( vay SXKD: ph thuc vo chu k ngn qu ca DN ; vay tiu dng: ph thuoc gt khon vay, muc ch tiu dng, ngun tr n) Cu 5: ti sao ngn hng phi xc nh chnh xc nhu cu vay ca khch hng ? gim thiu ri ro cho ngn hng tng hiu qu s dng vn cho vay trch lp d phng hp l