So Tay Tin Dung NH Noi Chung

1
MC LC
MC LC
DANH MC T VIT TT .............................................................................................. 15
GII THCH THUT NG ............................................................................................... 16
CHNG I. GII THIU CHUNG................................................................................... 21
1. Mc ch v ngha ca S tay Tn dng (STTD) NH A Vit Nam (NH A) ................ 21
2. Cu trc S tay Tn dng................................................................................................... 21
3. Phm vi p dng ................................................................................................................. 21
4. T chc thc hin ............................................................................................................... 22
5. Hng dn cp nht, b sung, chnh sa ......................................................................... 22
PH LC 1A. DANH MC VN BN PHP L ........................................................... 23
CHNG II. C CU T CHC B MY QUN L TN DNG ................................ 28
1. Gii thiu chung ................................................................................................................. 28
2. Nguyn tc t chc hot ng tn dng ............................................................................ 28
3. C cu t chc b my qun l tn dng .......................................................................... 29
3.1. C cu t chc khung .................................................................................................... 29
3.2. Chc nng nhim v ..................................................................................................... 29
4. Ph lc ................................................................................................................................. 38
PH LC 2A S QUY TRNH TN DNG CHUNG ................................................ 38
PH LC 2B. S C CU T CHC B MY QUN L TN DNG ............... 38
CHNG III. PHN CP THM QUYN PH DUYT TN DNG ............................. 41
1. Mc ch .............................................................................................................................. 42
2. Nguyn tc phn cp thm quyn ph duyt tn dng .................................................... 42
3. Quyn phn quyt ca cc cp thm quyn..................................................................... 42
3.1. Tng Gim c NH A ................................................................................................... 43
3.2. Gim c Chi nhnh NH A ........................................................................................... 43
3.3. Biu phn cp thm quyn ph duyt hn mc cho mt khch hng............................ 44
4. Quy trnh ph duyt mt giao dch tn dng (cho vay hoc bo lnh)........................... 46
4.1. Quy trnh ph duyt ....................................................................................................... 46
4.2. Thi gian thm nh/ti thm nh v quyt nh cho vay ............................................ 48
5. Xy dng v phn b hn mc tp trung tn dng ......................................................... 48
5.1. Nguyn tc .................................................................................................................... 48
S TAY TN DNG NDTD ST

caohockinhte.info
MC LC
5.2. Quy trnh xy dng v ph duyt hn mc tp trung tn dng ...................................... 49

6. Thay i hn mc tn dng ............................................................................................... 51
7. Cc mc phn quyt v gia hn n (gc v li) v iu chnh k hn n ..................... 51
CHNG IV. CHNH SCH TN DNG CHUNG........................................................... 53
1. Mc tiu ca chnh sch tn dng ..................................................................................... 54
2. Ni dung ca chnh sch tn dng chung ......................................................................... 54
2.1
Quyn t ch ca NHNo & PTNT VN ..................................................................... 54
2.2
i tng khch hng vay ti NH A .......................................................................... 54
2.3
Nhng i tng v nhu cu vn khng c cho vay .............................................. 55
2.4
Hn ch cho vay ......................................................................................................... 55
2.5
Nguyn tc v iu kin vay vn................................................................................ 55
2.6
Phng thc cho vay .................................................................................................. 57
2.7
Cn c xc nh mc tin cho vay.............................................................................. 58
2.8
Quy nh v tr n gc v li vay ............................................................................... 58
2.9
iu chnh k hn tr n / chuyn n qu hn ........................................................... 59
2.10 Cn c xc nh li sut cho vay, li sut u i, li sut qu hn ............................. 60

2.11 Cn c xc nh thi hn v th loi cho vay ............................................................. 60
2.12 ng tin cho vay v thu n ....................................................................................... 61
2.13 Quy nh qun l ngoi hi ca nh nc v cho vay bng ngoi t i vi khch hng vay l ngi c
tr 61
2.14 Quyn v ngha v ca ngi vay v ngi cho vay.................................................. 62
2.15 Chnh sch u i khch hng .................................................................................... 63
2.16 Chnh sch cnh tranh / marketing ............................................................................. 63
2.17 Cho vay theo cc mc ch v i tng c bit ...................................................... 63
3. B sung, sa i chnh sch tn dng trong tng thi k ............................................... 64
4. Ph lc ................................................................................................................................. 65
PH LC 4A. DANH MC VN BN PHP L ........................................................... 65
PH LC 4B. PHNG THC CHO VAY THEO HN MC TN DNG ................. 66
PH LC 4C. PHNG THC CHO VAY THEO D N U T ............................ 68
PH LC 4D. PHNG THC CHO VAY TR GP ................................................... 70
PH LC 4E. PHNG THC CHO VAY THNG QUA NGHIP V PHT HNH V S DNG
TH TN DNG .................................................................................................................. 70
PH LC 4F. PHNG THC CHO VAY THEO HN MC TN DNG D PHNG71
PH LC 4G. PHNG THC CHO VAY HP VN (NG TI TR)................... 71
PH LC 4H. PHNG THC CHO VAY THEO HN MC THU CHI ................. 71

caohockinhte.info
MC LC
PH LC 4I. PHNG THC CHO VAY LU V ...................................................... 72

PH LC 4K. CHO VAY LU V I VI H GIA NH, C NHN SN XUT NNG, LM NG,
DIM NGHIP THNG QUA T VAY VN .................................................................. 72
PH LC 4L. CHO VAY I VI H GIA NH, C NHN SN XUT NNG, LM, NG, DIM
NGHIP THNG QUA DOANH NGHIP ........................................................................ 75
PH LC 4M. CHO VAY U I V CHO VAY U T XY DNG THEO K HOCH NH NC
75
PH LC 4N. CHO VAY THEO U THC..................................................................... 76
PH LC 4P. MU S 04C/CV - GIY NHN N ....................................................... 77
CHNG V. H THNG CHM IM TN DNG V XP HNG KHCH HNG .. 79
1. Gii thiu chung ................................................................................................................. 80
1.1. Khi nim h thng chm im tn dng v xp hng 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. Hng dn chm im tn dng v xp hng khch hng doanh nghip ..................... 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. Hng dn chm im tn dng v xp hng 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
95
CHNG VI. XC NH LI SUT CHO VAY ........................................................... 105

1. Gii thiu chung ............................................................................................................... 106
2. Cc b phn lin quan trong vic xy dng chnh sch li sut cho vay..................... 106
3. Trch nhim v quyn hn trong vic xy dng chnh sch li sut cho vay ............. 106
4. Xy dng quy ch xc nh li sut cho vay .................................................................. 106
5. Cc yu t cu thnh li sut cho vay ............................................................................. 107
6. Quy trnh xc nh li sut cho vay ................................................................................ 107
6.1. Quy trnh xc nh li sut cho vay theo phng php cnh tranh theo li sut th trng
108
6.2. Quy trnh xc nh li sut cho vay theo phng php iu chnh ri ro trn gi vn 108

caohockinhte.info
MC LC
7. Cc loi li sut tn dng ................................................................................................. 108

7.1. Li sut cho vay trong hn .......................................................................................... 108
7.2. Li sut cho vay qu hn ............................................................................................. 109
CHNG VII. QUY TRNH CHO VAY V QUN L TN DNG DN C ............... 110
1. Gii thiu chung ............................................................................................................... 111
2. Phm vi p dng v i tng cho vay........................................................................... 111
2.1. Phm vi p dng .......................................................................................................... 111
2.2. i tng c vay..................................................................................................... 111
2.3. Nhng i tng v nhu cu vn khng c cho vay............................................... 111
2.4. i tng b hn ch cho vay...................................................................................... 111
3. Gii hn cho vay ............................................................................................................... 111
4. Cho vay c bo m bng ti sn v khng c bo m bng ti sn ......................... 112
5. Trch nhim ca cc cn b lin quan ........................................................................... 112
6. Quy trnh nghip v cho vay ........................................................................................... 112
6.1. Tip nhn v hng dn khch hng v iu kin tn dng v h s vay vn ............ 112
6.2. Kim tra h s v mc ch vay vn ........................................................................... 112
6.3. iu tra, thu thp, tng hp thng tin v khch hng v phng n vay vn ............. 113
6.4. Kim tra, xc minh thng tin ....................................................................................... 114
6.5. Phn tch ngnh ........................................................................................................... 114
6.6. Phn tch, thm nh khch hng vay vn ................................................................... 114
6.7. D kin li ch cho ngn hng nu khon vay c ph duyt................................... 115
6.8. Phn tch, thm nh phng n vay vn/d n u t ............................................... 115
6.9. Thm nh cc bin php bo m tin vay ................................................................ 116
6.10. Lp bo co thm nh cho vay ................................................................................. 116
6.11. Ti thm nh khon vay ........................................................................................... 117
6.12. Xc nh phng thc v nhu cu cho vay ............................................................... 118
6.13. Xem xt kh nng ngun vn v iu kin thanh ton ca Chi nhnh/TTH .......... 118
6.14. Ph duyt khon vay ................................................................................................. 118
6.15. K kt hp ng tn dng/s vay vn, hp ng bo m tin vay, giao nhn giy t v ti sn bo m
119
6.16. Tun th thi gian thm nh, xt duyt cho vay ...................................................... 120
6.17. Gii ngn ................................................................................................................... 121
6.18. Kim tra, gim st khon vay .................................................................................... 121
6.19. Thu n li v gc v x l nhng pht sinh .............................................................. 121

caohockinhte.info
MC LC
6.20. Thanh l hp ng tn dng ...................................................................................... 121

6.21. Gii ta ti sn bo m ............................................................................................ 121
7. Qun l tn dng ............................................................................................................... 122
7.1. Qun l h s tn dng ................................................................................................ 122
7.2. nh gi li cc khon n nh k v gia k hoc t xut khi cn ......................... 122
7.3. Qun l i vi tng khon cho vay v ton b danh mc cho vay............................ 122
7.4. Thu thp thng tin b sung v khch hng v khon vay: .......................................... 122
7.5. Thay i hn mc tn dng v ph duyt .................................................................... 123
8. Ph lc ............................................................................................................................... 124
PH LC 7A. DANH MC H S PHP L ............................................................... 124
PH LC 7B. DANH MC H S KHON VAY........................................................ 124
PH LC 7C. HNG DN PHN TCH T CCH V NNG LC PHP LUT, NNG LC HNH
VI DN S, NNG LC IU HNH V QUN L SN XUT KINH DOANH CA KHCH HNG
126
PH LC 7D. KIM TRA TNH CHNH XC CA BO CO KT QU SN XUT KINH DOANH
128
PH LC 7E. PHN TCH, NH GI TNH HNH HOT NG V KH NNG TI CHNH
129
PH LC 7G. DANH MC IU TRA NH GI K HOCH KINH DOANH ..... 131
PH LC 7H. HNG DN KIM TRA H S SAU KHI K HP NG TN DNG / S VAY VN,
HP NG BO M TIN VAY ................................................................................ 135
PH LC 7I. QUY TRNH GII NGN ......................................................................... 137
PH LC 7K. KIM TRA, GIM ST KHON VAY.................................................. 139
PH LC 7L. QUN L I VI TNG KHON CHO VAY V TON B DANH MC CHO VAY
141
PH LC 7M. MU BO CO THM NH .............................................................. 143
CHNG VIII. QUY TRNH CHO VAY V QUN L TN DNG DOANH NGHIP148
1. Gii thiu chung ............................................................................................................... 150
2. Phm vi p dng v i tng cho vay........................................................................... 150
2.1. Phm vi p dng .......................................................................................................... 150
2.2. i tng c vay bao gm: ..................................................................................... 150
2.3. Nhng nhu cu vn khng c cho vay .................................................................... 150
2.4. i tng b hn ch cho vay...................................................................................... 150
3. Gii hn cho vay ............................................................................................................... 150
4. Cho vay c bo m bng ti sn v khng c bo m bng ti sn ......................... 150
5. Trch nhim ca cc cn b c lin quan ...................................................................... 151

caohockinhte.info
MC LC
6. Quy trnh nghip v cho vay ........................................................................................... 151

6.1. Tip nhn v hng dn khch hng v iu kin tn dng v h s vay vn ............ 151
6.2. Kim tra h s v mc ch vay vn ........................................................................... 151
6.3. iu tra, thu thp, tng hp thng tin v khch hng v phng n sn xut kinh doanh/ d n u t
152
6.4. Kim tra, xc minh thng tin ....................................................................................... 152
6.5. Phn tch ngnh ........................................................................................................... 153
6.6. Phn tch, thm nh khch hng vay vn ................................................................... 153
6.7. D kin li ch ca ngn hng nu khon vay c ph duyt ................................... 155
6.8. Phn tch, thm nh phng n sn xut kinh doanh/ d n u t ........................... 155
6.9. Cc bin php bo m tin vay.................................................................................. 156
6.10. Kim tra mc p ng mt s iu kin v ti chnh ........................................... 157
6.11. Chm im tn dng v xp hng khch hng........................................................... 157
6.12. Lp bo co thm nh cho vay ................................................................................. 157
6.13. Ti thm nh khon vay ........................................................................................... 158
6.14. Xc nh phng thc v nhu cu cho vay ............................................................... 158
6.15. Xem xt kh nng ngun vn v iu kin thanh ton ca Chi nhnh/TTH .......... 158
6.16. Ph duyt khon vay ................................................................................................. 159
6.17. K kt hp ng, hp ng bo m tin vay, giao nhn giy t v ti sn bo m159
6.18. Tun th thi gian thm nh, xt duyt cho vay ...................................................... 162
6.19. Gii ngn ................................................................................................................... 162
6.20. Kim tra, gim st khon vay .................................................................................... 162
6.21. Thu n li v gc v x l nhng pht sinh .............................................................. 162
6.22. Thanh l hp ng tn dng ...................................................................................... 162
6.23. Gii chp ti sn bo m ......................................................................................... 162
7. Qun l tn dng ............................................................................................................... 163
7.1. Qun l h s tn dng ................................................................................................ 163
7.2. nh gi li cc khon n nh k v gia k hoc t xut khi cn: ........................ 163
7.3. Qun l i vi tng khon cho vay v ton b danh mc cho vay............................ 163
7.4. Thu thp thng tin b sung v khch hng v khon vay ........................................... 163
7.5. Thay i hn mc tn dng v ph duyt .................................................................... 164
7.6. Phn loi tn dng........................................................................................................ 164
8. Ph lc ............................................................................................................................... 165
PH LC 8A. DANH MC H S PHP L ............................................................... 165
PH LC 8B. DANH MC H S KHON VAY........................................................ 167

caohockinhte.info
MC LC
PH LC 8C. DANH MC H S BO M TIN VAY ......................................... 169

PH LC 8D. HNG DN PHN TCH NGNH ..................................................... 171
PH LC 8E. HNG DN PHN TCH T CCH V NNG LC PHP L, NNG LC IU
HNH, QUN L SN XUT KINH DOANH CA KHCH HNG ........................ 172
PH LC 8G. HNG DN KIM TRA BO CO TI CHNH .............................. 174
PH LC 8H. HNG DN PHN TCH, NH GI TNH HNH HOT NG . 176
PH LC 8I. HNG DN PHN TCH NH GI TI CHNH CNG TY.......... 178
PH LC 8K. HNG DN PHN TCH THM NH PASXKD/DAT ................ 188
PH LC 8K1. DANH MC CU HI IU TRA NH GI PHNG N SN XUT KINH DOANH
/ D N U T ............................................................................................................. 214
PH LC 8L. HNG DN KIM TRA TNH TRNG THC T TI SN BO M TIN VAY
219
PH LC 8M. HNG DN KIM TRA MC P NG MT S IU KIN TI CHNH
221
PH LC 8N. HNG DN KIM TRA H S SAU KHI K HP NG TN DNG, HP NG
BO M TIN VAY ..................................................................................................... 222
PH LC 8O. QUY TRNH GII NGN ....................................................................... 224
PH LC 8P. KIM TRA KHON VAY ....................................................................... 226
PH LC 8Q. THU N LI V GC V X L NHNG PHT SINH ................... 228
PH LC 8S. QUN L I VI TNG KHON CHO VAY V TON B DANH MC CHO VAY
231
PH LC 8T. MU BO CO THM NH................................................................ 233
CHNG IX. QUY TRNH THIT LP V QUN L HN MC I VI CC T CHC TN DNG
......................................................................................................................................... 240
1. Gii thiu chung ............................................................................................................... 241
2. Quy trnh nghip v thit lp v qun l hn mc TCTD ........................................... 242
2.1. Thit lp hn mc ln u ........................................................................................... 242
2.2. iu chnh hn mc c cho i tc TCTD ............................................................. 245
2.3. Ph duyt hn mc ...................................................................................................... 248
2.4. Theo di tnh hnh s dng hn mc:.......................................................................... 249
3. Qun tr ri ro trong kinh doanh ngoi hi v sn phm phi sinh ............................ 250
3.1. Qun tr ri ro thanh ton ............................................................................................ 250
3.2. Qun tr ri ro trc thanh ton................................................................................... 250
3.3. Cc nguyn tc chung trong qun tr ri ro thanh ton v ri ro trc thanh ton...... 252
3.4. Ri ro tn dng ............................................................................................................ 255
3.5. Qun tr ri ro theo sn phm ...................................................................................... 255

caohockinhte.info
MC LC
4. Lu tr h s .................................................................................................................... 256
5. Ph lc ............................................................................................................................... 257
PH LC 9A. BNG CC CH TIU TI CHNH NH GI TCTD ....................... 257
CHNG X. QUY TRNH NGHIP V BO LNH .................................................... 259
1. Gii thiu chung ............................................................................................................... 260
1.1. i tng p dng....................................................................................................... 260
1.2. iu kin bo lnh....................................................................................................... 260
1.3. Cc loi bo lnh ......................................................................................................... 260
2. Quy trnh nghip v bo lnh ......................................................................................... 261
2.1. Ti chi nhnh ............................................................................................................... 261
2.2. Ti Trung tm iu hnh ............................................................................................. 263
3. K kt cc hp ng bo lnh ......................................................................................... 264
4. Pht hnh cam kt bo lnh ............................................................................................ 264
4.1. Cc ni dung cn thit ca cam kt bo lnh .............................................................. 264
4.2. Cc cch pht hnh cam kt bo lnh.......................................................................... 264
5. Theo di hp ng bo 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 ca 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 hn bo 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 phi thc hin bo 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. Gii ta bo lnh .............................................................................................................. 268
10. Bo co thng k ............................................................................................................... 269
11. Qun l thng tin danh mc bo lnh ............................................................................ 269

caohockinhte.info
MC LC
11.1. Qun l h s bo lnh .............................................................................................. 269

11.2. Lu tr h s bo lnh ............................................................................................... 269
12. Nhng trng hp b t chi bo lnh ........................................................................... 269
13. Ph lc ............................................................................................................................... 271
PH LC 10A. GIY NGH BO 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 LC 10C. GIY NGH GIA HN N GC, 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 LC 10G. BO CO THM NH, TI THM NH NGH BO LNH 284
PH LC 10H. HP NG BO LNH ....................................................................... 288
CHNG XI. QUN L N C VN ..................................................................... 291
1. Gii thiu v qun l n c vn .................................................................................. 292
2. Phn loi khon vay l phng php quan trng qun l n c vn ................ 292
3. Phng php v quy trnh qun l n c vn v x l tn tht tn dng .............. 294
3.1. Phng nga n c vn ............................................................................................ 294
3.2. Quy trnh theo di v x l cc khon vay c vn ................................................ 295
CHNG XII. BO M TIN VAY ............................................................................ 315
4. Mt s khi nim .............................................................................................................. 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

caohockinhte.info
10
MC LC
3.7. Bn, chuyn i ti sn cm c, bo lnh ................................................................... 321

3.8. Rt bt, b sung, thay th ti sn bo m.................................................................. 321
3.9. Khai thc cng dng v hng li tc t ti sn bo 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 LC 12A. MT S NI DUNG CH YU CN NU TI T TRNH/ BO CO THM NH V
NH GI TI SN BO M ..................................................................................... 350
PH LC 12B. QUYN V NGHA V CA N V TRC TIP CHO VAY KHI THNG BO X
L TI SN BO M .................................................................................................. 352
PH LC 12C. HNH THC T BN CNG KHAI TRN TH TRNG ............... 354
PH LC 12D. BN QUA TRUNG TM DCH V BN U GI TI SN ......... 358
PH LC 12E. VIC CP GIY CHNG NHN QUYN S DNG T, GIY CHNG NHN
QUYN S HU NH V QUYN S DNG T ........................................... 359
PH LC 12G. NGHA V NP THU CHUYN QUYN S DNG T, TI SN GN LIN VI
T 360
PH LC 12H. TRNH T PHI HP CA U BAN NHN DN V C QUAN CNG AN TRONG
VIC H TR CC T CHC TN DNG THU HI TI SN BO M ............. 360
PH LC 12I. IU KIN TRNH T V TH TC NG K GIAO DCH BO M
362
PH LC 12K. TRCH NHIM PHI HP CA CC C QUAN HU QUAN ...... 364

PH LC 12L. HNH THC BN TI SN CHO CNG TY MUA BN N NH NC
365
CHNG XIII. HP NG TN DNG V HP NG M BO TIN VAY ........ 366

1. Mc ch ............................................................................................................................ 367
2. Cc yu cu v iu kin chung v hp ng tn dng/ hp ng bo m tin vay, k kt v thanh l
hp ng tn dng / hp ng bo m tin vay ........................................................... 367
3. Cc iu khon v iu kin chung ca mt hp ng tn dng ................................. 368
3.1. Cn c xc lp hp ng ............................................................................................. 368
3.2. Xc nh cc bn tham gia hp ng ......................................................................... 368
3.3. Xc nh hnh thc v tnh cht ca khon tn dng ................................................... 368
3.4. Mc ch khon cho vay / cp tn dng, iu kin s dng tin vay .......................... 368
3.5. Thi hn cho vay, phng thc v k hn tr n ........................................................ 368
3.6. Li sut cho vay .......................................................................................................... 369

caohockinhte.info
10
MC LC
11
3.7. Thu n gc, li tin vay ............................................................................................... 369

3.8. Cc khon ph .............................................................................................................. 369
3.9. ng tin cho vay v ng tin thu n....................................................................... 369
3.10. Hnh thc m bo tin vay ...................................................................................... 369
3.11. Quyn v ngha v ca cc bn ................................................................................. 369
3.12. Sa i, b sung chuyn nhng hp ng ............................................................. 371
3.13. Lut p dng / gii quyt tranh chp ......................................................................... 371
3.14. Cc vi phm dn n chm dt hp ng (trc tip v gin tip)............................. 371
3.15. Cc trng hp bt kh khng .................................................................................. 372
3.16. iu khon thi hnh, hiu lc hp ng .................................................................. 372
3.17. Cc cam kt khc....................................................................................................... 372
4. Cc iu khon v iu kin chung ca mt hp ng m bo tin vay .................. 373
4.1. Xc nh hnh thc v tnh cht ca hp ng m bo tin vay:............................... 373
4.2 Cn c xc lp hp ng .............................................................................................. 373
4.3. Xc nh cc bn tham gia k kt hp ng ............................................................... 373
4.4 Ngha v c m bo / bo lnh............................................................................... 374
4.5 Ti sn th chp / cm c / bo lnh............................................................................. 374
4.6 Bn gi ti sn v giy t v ti sn ............................................................................. 374
4.7 Quyn v ngha v ca cc bn .................................................................................... 374
4.8. X l ti sn th chp / cm c / bo lnh ................................................................... 375
4.9 Cc tha thun khc ..................................................................................................... 375
4.10. Hiu lc hp ng ..................................................................................................... 375
5. K kt v thanh l hp ng tn dng / hp ng bo m tin vay ........................... 375
6. Quy trnh sa i, iu chnh hp ng tn dng ......................................................... 376
7. Phng php gii quyt vng mc, tranh chp cc iu kin ca hp ng tn dng378
8. Mu hp ng tn dng v hp ng bo m tin vay ............................................... 378
CHNG XIV. KIM TRA V GIM ST TN DNG C LP .............................. 380
1. Mc ch ............................................................................................................................ 381
2. T chc b my kim tra gim st tn dng c lp trong ngn hng ..................... 381
3. Phn cp thc hin v trch nhim ca tng cp ......................................................... 381
4. Tn sut v phng php tin hnh kim tra v gim st tn dng ............................ 382
5. Ni dung v phm vi kim tra v gim st tn dng ..................................................... 382
6. H thng thng tin, bo co kim tra, gim st tn dng .............................................. 386
7. nh gi v nhn xt sau kim tra, gim st tn dng .................................................. 386

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7.1. nh gi chung v cng tc tn dng .......................................................................... 386

7.2. nh gi c th nhng sai phm sau kim tra (nu c th n v khch hng) .......... 386
7.3. ngh CBTD chu trch nhim cho nhng sai phm gii trnh ........................... 387
7.4. Kin ngh ..................................................................................................................... 387
CHNG XV. PHT TRIN SN PHM...................................................................... 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.....................................................................................
mi
390
5. Ni dung bn n chng trnh sn phm mi ................................................................ 391
6. Trin khai th nghim sn phm mi
mi ................................................................................. 392
7. nh gi xem xt li sau khi trin khai sn phm mi....................................................... 392
CHNG XVI. H THNG QUN TR THNG TIN TN DNG ............................... 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
Biu s TT01. H s khch hng (doanh nghip) .............................................................. 413
Biu s TT02. H s khch hng (c nhn) ....................................................................... 414
Biu s TT03. Bo co tip th khch hng ....................................................................... 415
Biu s TT04. Bo co thng tin c bn ............................................................................ 416
Biu s TT05. S nht k ................................................................................................... 417
Biu s TT06. Thng bo v bin ng tnh hnh ca khch hng .................................... 418
Biu s TT07. Tnh hnh ti chnh ca khch hng DN ..................................................... 419
Biu s TT08. Bng quan h tn dng vi khch hng ...................................................... 421
Biu s TT09. Bng quan h tn dng (ngn hn) vi khch hng .................................... 423
Biu s TT10. Bng quan h tn dng (trung, di hn) vi khch hng............................. 424
Biu s TT11. Bng quan h tn dng vi khch hng ...................................................... 425
Biu s TT12. Thng tin v ti sn cm c ........................................................................ 426
Biu s TT13. Quan h bo lnh ........................................................................................ 427
Biu s TT14. Thng tin ti chnh hng nm ca doanh nghip........................................ 428
Biu s TT15. Tm tt din bin ti chnh hng nm ca doanh nghip ........................... 429
Biu s TT16. Thng tin phi ti chnh i vi doanh nghip ............................................ 431
Biu s TT17. Thng tin khch hng l c nhn ................................................................ 432
Biu s TT18. Bo co tnh hnh ti chnh ca khch hng c nhn.................................. 433
Biu s TT19: Bo co thu nhp v chi ph khch hng c nhn....................................... 434
Biu s TT20. Tnh hnh ti chnh ca khch hng TCTD ................................................ 435
Biu s TT21. Tm tt din bin ti chnh hng nm ca TCTD ...................................... 437
Biu s TT22. Thng tin ti chnh TCTD .......................................................................... 439
Biu s TT23. Phn loi n theo cht lng ...................................................................... 440
Biu s TT24. Danh mc tn dng phn theo chi nhnh v loi tin t ............................. 441
Biu s TT25. Danh mc tn dng phn theo mc ch cho vay v loi hnh DN ............. 442
Biu s TT26. 10 khch hng vay ln nht ........................................................................ 443
Biu s TT27. Danh mc tn dng phn theo ngnh kinh t v loi hnh doanh nghip ... 444
Biu s TT28. Danh mc tn dng phn theo hnh thc bo m tin vay ........................ 445
Biu s TT29. Danh mc tn dng phn theo thi hn ...................................................... 446

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Biu s TT30. Bo co khch hng c tng d n ln ...................................................... 447

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DANH MC T VIT TT
DANH MC T VIT TT
ALCO
U ban qun l ti sn n c
BCTCV
Bo co thm nh cho vay
BHYT
Bo him y t
CBTD
Cn b tn dng
CIC
Trung tm thng tin tn dng
CIH
Trung tm thng tin tn dng ca NH A
CP
Chi ph
DAT
D n u t
DN
Doanh nghip
DN TNN
Doanh nghip u t nc ngoi
DN VVN
Doanh nghip va v nh
DNNN
Doanh nghip Nh nc
HQT
Hi ng qun tr
HXLRR
Hi ng x l ri ro
IRR
T sut hon vn ni b
L/C
Th tn dng
NHCV
Ngn hng cho vay
NHT&PT
Ngn hng u t v Pht trin
NHNN VN
Ngn hng Nh nc Vit Nam
NH A
NH A Vit Nam
NHTM
Ngn hng thng mi
NHTMCP
Ngn hng thng mi c phn
NHTMQD
Ngn hng thng mi quc doanh
NPV
Gi tr hin ti rng
PASXKD
Phng n sn xut kinh doanh
PN & XLRR
Phng nga v x l ri ro
PX
Phn xng
QLDN
Qun l doanh nghip

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GII THCH THUT NG
GII THCH THUT NG

1. n hn l khong thi gian t ngy khch hng nhn tin vay ln u tin cho n trc ngy bt u ca k hn tr
n u tin.
2. Bo m tin vay l vic t chc tn dng p dng cc bin php nhm phng nga ri ro, to c s kinh t v php
l thu hi c cc khon n cho khch hng vay.
3. Bo m tin vay bng ti sn hnh thnh t vn vay l vic khch hng vay dng ti sn hnh thnh t vn vay
bo m thc hin ngha v tr n cho chnh khon vay i vi t chc tn dng.
4. Bo lnh bng ti sn ca bn th ba (gi l bn bo lnh) l vic bn bo lnh cam kt vi NH A v vic s dng
ti sn thuc quyn s hu, gi tr quyn s dng t ca mnh, i vi DNNN l ti sn thuc quyn qun l, s
dng thc hin ngha v tr n thay cho khch hng vay, nu n hn tr n m khch hng vay thc hin khng
ng ngha v tr n.
5. Bo lnh bng tn chp ca t chc on th chnh tr - x hi l bin php bo m tin vay trong trng hp cho
vay khng c bo m bng ti sn, theo t chc on th chnh tr - x hi ti c s bng uy tn ca mnh bo
lnh cho c nhn v h gia nh ngho vay mt khon tin nh ti t chc tn dng sn xut kinh doanh, lm dch
v.
6. Bt ng sn v ng sn
Bt ng sn l cc ti sn khng di di c, bao gm:
+
+
t ai
Nh , cng trnh xy dng gn lin vi t ai k c cc ti sn gn lin vi nh , cng trnh xy dng .
+ Cc ti sn gn lin vi t ai
+ Cc ti sn khc do php lut quy nh
ng sn l nhng ti sn khng phi l bt ng sn. Quyn ti sn khng phi l bt ng sn. Xem gii thch ti
mc 45 phn Gii thch thut ng ny.
7. C nhn kinh doanh: Cng dn Vit Nam 18 tui, c vn, c sc kho, c k thut chuyn mn, c a im kinh
doanh ph hp vi ngnh ngh v mt hng kinh doanh khng b php lut cm kinh doanh u c kinh doanh.
8. Cc bo co ti chnh l bng cn i ti sn, bo co kt qu kinh doanh (l, li), bo co dng tin v cc ti liu
ti chnh khc c lin quan n hot ng sn xut kinh doanh ca doanh nghip.
9. Cc t chc tn dng l cc t chc tn dng c thnh lp v hot ng theo Lut Cc t chc tn dng.
10. Chi nhnh NH A bao gm cc S giao dch, cc chi nhnh ca NH A.
11. Cho vay l mt hnh thc cp tn dng, theo NH A giao cho khch hng s dng mt khon tin s dng vo
mc ch v thi gian nht nh theo tha thun vi nguyn tc c hon tr c gc ln li.
12. Cho vay c bo m bng ti sn l vic cho vay vn ca t chc tn dng m theo ngha v tr n ca khch
hng vay c cam kt bo m thc hin bng ti sn cm c, th chp, ti sn hnh thnh t vn vay ca khch
hng vay hoc bo lnh bng ti sn ca bn th ba.
13. Doanh nghip l t chc kinh t c tn ring, c ti sn, c tr s giao dch n nh, c ng k kinh doanh theo
quy nh ca php lut nhm mc ch thc hin cc hot ng kinh doanh theo Lut Doanh nghip.

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GII THCH THUT NG
17
14. D n u t, phng n sn xut kinh doanh, dch v hoc d n u t, phng n phc v i sng (sau y
gi tt l d n, phng n) l mt tp hp nhng xut v nhu cu vn, cch thc s dng vn, kt qu tng ng
thu c trong mt khong thi gian xc nh i vi hot ng c th sn xut, kinh doanh, dch v, u t pht
trin hoc phc v i sng.
15. i din ca h gia nh (iu 117- B lut Dn s ):
a. Ch h c th u quyn cho thnh vin khc thnh nin lm i din ca ch h trong quan h dn s.
b. Ch h l i din ca h gia nh trong cc giao dch dn s v li ch chung ca h, cha, m hoc mt thnh
vin khc thanh nin c th l ch h.
c. Giao dch dn s do ngi i din ca h gia nh xc lp, thc hin v li ch chung ca h lm pht sinh
quyn, ngha v ca c h gia nh.
16. ai din ca t hp tc (iu 121 B lut Dn s ):
i din ca t hp tc trong cc giao dch dn s l t trng do cc t vin c ra. T trng t hp tc c th u
quyn cho t vin thc hin mt s cng vic nht nh cn thit cho t. Giao dch dn s do ngi i din ca t
hp tc xc lp, thc hin v mc ch hot ng ca t hp tc theo quyt nh ca a s t vin lm pht sinh
quyn, ngha v ca t hp tc.
17. iu chnh k hn tr n l vic NH A khch hng tha thun v vic thay i cc k hn tr n tha thun trc
trong hp ng tn dng.
18. ng tin cho vay l ng tin ca mn vay (Vit Nam ng hoc USD,)
19. Gia hn n vay l vic NH A chp thun ko di thm mt khong thi gian ngoi thi hn cho vay tha thun
trc trong hp ng tn dng.
20. Gii ngn l vic NH A chuyn tin (chi tin mt, chuyn khon) cho ngi vay theo tha thun trong hp ng tn
dng hoc chi tr theo ch dn ca ngi vay thanh ton tin mua hng ha, dch v, ph hp vi mc ch vay.
21. Gim st khon vay l vic qun l, theo di, phn tch cc thng tin c lin quan n tnh hnh s dng tin vay, tin
thc hin k hoch kinh doanh, kh nng tr n v mc tr n ca ngi vay.
22. Hn ch nng lc hnh vi dn s (iu 24- B lut Dn s):
- Ngi nghin ma tu hoc nghin cc cht kch thch khc dn n ph tn ti sn ca gia nh, th theo yu
cu ca ngi c thm quyn, li ch lin quan, c quan hoc t chc hu quan, to n c th ra quyt nh
tuyn b l ngi b hn ch nng lc hnh vi dn s.
- Mi giao dch dn s lin quan n ti sn ca ngi b hn ch nng lc hnh vi dn s phi c s ng
ca ngi i din theo php lut.
23. Hn mc tn dng l mc d n vay ti a c duy tr trong mt thi hn nht nh m NH A v khch hng
tha thun trong hp ng tn dng.
24. Hot ng thng tin tn dng l vic thu thp, tng hp, cung cp, phn tch xp loi, d bo, trao i, khai thc v
s dng thng tin tn dng.
25. H gia nh (iu 116- B lut Dn s): l nhng h m cc thnh vin c ti sn chung hot ng kinh t chung
trong quan h s dng t, trong hot ng sn xut nng, lm, ng nghip v trong mt s lnh vc sn xut kinh
doanh khc do php lut quy nh, l ch th trong cc quan h dn s .
26. Hp ng hp tc c cc ni dung ch yu sau y:

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GII THCH THUT NG
18
Mc ch, thi hn hp ng hp tc.

H tn, ni c tr ca t trng v cc t vin
Mc ng gp ti sn, nu c; phng thc phn chia hoa li, li tc gia cc t vin.
Quyn, ngha v v trch nhim ca t trng, ca cc t vin.
iu kin nhn t vin mi v ra khi t hp tc.
iu kin chm dt hp tc.
Cc tha thun khc.
27. K hoch kinh doanh l mt k hoch sn xut, tip th v bn sn phm ca ngi vay trong th hin tng mc
vn u t d kin, cc hot ng, thu nhp, chi ph v kh nng tr n.
28. Kh nng ti chnh ca khch hng vay l kh nng v vn, ti sn ca khch hng vay m bo hot ng
thng xuyn v thc hin cc ngha v thanh ton.
29. Kh nng ti chnh ca khch hng vay l kh nng v vn, ti sn ca khch hng vay bo m hot ng
thng xuyn v thc hin cc ngha v thanh ton.
30. Khch hng l mt php nhn, c nhn, h gia nh, t hp tc, doanh nghip t nhn. Php nhn l Tng Cng ty
nh nc; Tng Cng ty nh nc c coi l mt khch hng, mi doanh nghip thnh vin hch ton c lp ca
Tng cng ty nh nc coi l mt khch hng.
31. Khch hng vay bao gm php nhn, h gia nh, t hp tc, doanh nghip t nhn v c nhn c iu kin vay
vn ti t chc tn dng theo quy nh ca php lut.
32. Kho d liu thng tin tn dng Ngn hng l ni tp hp, x l, lu tr d liu v thng tin tn dng trong ngnh
Ngn hng.
33. Kinh doanh: l vic thc hin mt, mt s hoc tt c cc cng on ca qu trnh u t, t sn xut n tiu th
sn phm hoc lm dch v trn th trng nhm mc ch sinh li.
34. K hn tr n l cc khong thi gian trong thi hn cho vay c tha thun gia NH A v khch hng m ti
cui mi khong thi gian , khch hng phi tr mt phn hoc ton b s tin vay ca NH A.
35. Mt nng lc hnh vi dn s (iu 24-B lut Dn s):
- Khi mt ngi do b bnh tm thn hoc mc cc bnh khc m khng th nhn thc, lm ch c hnh vi
ca mnh th theo yu cu ca ngi c quyn, li ch lin quan, to n ra quyt nh tuyn b mt nng lc
hnh vi dn s trn c s kt lun ca t chc gim nh c thm quyn.
- Mi giao dch ca ngi mt nng lc hnh vi dn s do ngi i din theo php lut xc nhn, thc hin.
36. Mn vay l s tin gc m NH A ng ti tr cho ngi vay.
37. Nm ti chnh l nm k ton.
38. Nng lc hnh vi dn s ca c nhn (iu 19-B lut Dn s): l kh nng ca c nhn bng hnh vi ca mnh xc
lp, thc hin quyn, ngha v dn s.
39. Nng lc php lut dn s c nhn (iu 16-B lut Dn s): l kh nng ca c nhn c quyn dn s v ngha v
dn s. Mi c nhn u c nng lc php lut dn s nh nhau. Nng lc php lut dn s ca c nhn c t khi
ngi sinh ra v chm dt khi ngi cht.

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19
40. Ngn hng cho vay (NHCV) bao gm Trung tm iu hnh NH A, cc S giao dch, chi nhnh NH A trc tip cho
vay khch hng.
41. Ngha v tr n ca khch hng vay i vi t chc tn dng bao gm tin vay (n gc), li vay, li pht qu hn,
cc khon ph (nu c) c ghi trong hp ng tn dng m khch hng vay phi tr theo quy nh ca php lut.
42. N qu hn l s tin gc hoc li ca khon vay, cc khon ph, l ph khc pht sinh nhng cha c tr sau
ngy n hn phi tr.
43. Ni c tr (iu 48- B lut Dn s): L ni ngi thng xuyn sinh sng v c h khu thng tr.
Trong trng hp c nhn khng c h khu thng tr v khng c ni thng xuyn sinh sng th ni c tr ca
ngi l ni tm tr v c ng k tm tr.
Khi khng xc nh c ni c tr ca c nhn theo cc quy nh nh trn, th ni c tr l ni ngi ang sinh
sng, lm vic hoc ni c ti sn hoc ni c phn ln ti sn nu ti sn ca ngi c nhiu ni.
44. Quyn phn quyt l vic HQT ca NH A quy nh cho php mt cn b nht nh ca NH A c ph duyt mc
cho vay cao nht i vi mt khch hng nht nh.
45. Quyn ti sn l quyn tr gi c bng tin v c th chuyn giao trong giao lu dn s, k c quyn s hu tr tu.
Quyn ti sn pht sinh t quyn tc gi, quyn s hu cng nghip, quyn i n, quyn c nhn s tin bo
him, cc quyn ti sn khc pht sinh t cc hp ng hoc t cc cn c php l khc.
46. Ti sn bo m tin vay l ti sn ca khch hng vay, ca bn bo lnh m bo thc hin ngha v tr n, bao
gm: Ti sn thuc quyn s hu, gi tr quyn s dng t ca khch hng vay, ca bn bo lnh; ti sn thuc
quyn qun l, s dng ca khch hng vay, ca bn bo lnh l doanh nghip nh nc; ti sn hnh thnh t vn
vay.
47. Ti sn hnh thnh t vn vay l ti sn ca khch hng vay m gi tr ti sn c to nn bi mt phn hoc ton
b khon vay ca t chc tn dng.
48. Thi hn cho vay l khong thi gian c tnh t khi khch hng bt u nhn vn vay cho n thi im tr ht n
gc v li vn vay c tha thun trong hp ng tn dng gia NH A vi khch hng.
49. Thi hn gii ngn l khong thi gian t ngy khch hng nhn tin vay ln u tin n ngy kt thc vic nhn
tin vay.
50. Thi hn thu n l khong thi gian trong thi hn cho vay c tha thun trong hp ng tn dng gia NH A
vi khch hng, c tnh t ngy bt u ca k hn tr n u tin n ngy khch hng phi tr ht n gc v li
tin vay.
51. Thng tin cnh bo sm l thng tin phn nh nhng hin tng bt thng trong hot ng kinh doanh ca khch
hng c th mang li ri ro cho t chc tn dng.
52. Thng tin tn dng l thng tin v ti chnh, d n, bo m tin vay, tnh hnh hot ng v thng tin php l ca
khch hng c quan h vi t chc tn dng, thng tin v th trng tin t, th trng vn.
53. T hp tc (iu 120- B lut Dn s):

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GII THCH THUT NG
20
Nhng t c hnh thnh trn c s hp ng hp tc c chng thc ca UBND x, phng, th trn ca t ba c

nhn tr ln cng ng gp ti sn, cng sc thc hin nhng cng vic nht nh, cng hng li v cng chu
trch nhim, l ch th trong quan h dn s.
T hp tc c iu kin tr thnh php nhn theo quy nh ca php lut, s ng k hot ng vi t cch
php nhn ti c quan nh nc c thm quyn.
54. Trch nhim dn s ca h gia nh (iu 119 B lut Dn s):
- H gia nh phi chu trch nhim dn s v vic thc hin quyn ngha v dn s do ngi i din xc lp,
thc hin nhn danh h gia nh.
H gia nh chu trch nhim dn s bng ti sn chung ca h; nu ti sn chung ca h khng thc

hin ngha v chung ca h, th cc thnh vin phi chu trch nhim lin i bng ti sn ring ca mnh.
56. Vn t c tham gia vo d n vay NH A bao gm vn bng tin, gi tr ti sn.

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CHNG I. GII THIU CHUNG
CHNG I.
GII THIU CHUNG
1. Mc ch v ngha ca S tay Tn dng (STTD) NH A Vit Nam (NH A)
-
STTD a ra khun kh cc chnh sch, nguyn tc ca NH A v hot ng tn dng.

STTD quy nh nhng th tc, trnh t cho vay nhm m bo s thng nht trong hot ng tn dng ca
ton h thng ngn hng NH A.
STTD gip xc nh trch nhim v nhim v ca cc cp cn b lin quan trong hot ng tn dng.
STTD l khung chun cho vic kim tra, gim st tn dng c lp
2. Cu trc S tay Tn dng

STTD NH A c 16 chng cu trc nh sau:
Danh mc t vit tt
Gii thch thut ng
Chng 1.
Gii thiu chung
Chng 2.
C cu t chc b my qun l tn dng
Chng 3.
Phn cp thm quyn ph duyt tn dng
Chng 4.
Chnh sch tn dng chung
Chng 5.
H thng tnh im tn dng v xp hng khch hng
Chng 6.
Xc nh li sut cho vay
Chng 7.
Quy trnh nghip v cho vay v qun l tn dng dn c
Chng 8.
Quy trnh nghip v cho vay v qun l tn dng doanh nghip
Chng 9.
Quy trnh nghip v thit lp v qun l hn mc tn dng i vi cc TCTD
Chng 10.
Quy trnh nghip v bo lnh
Chng 11.
Qun l n c vn
Chng 12.
Bo m tin vay
Chng 13.
Hp ng tn dng & hp ng bo m tin vay
Chng 14.
Kim tra v gim st tn dng c lp
Chng 15.
Pht trin sn phm tn dng
Chng 16.
H thng thng tin qun tr tn dng
Ph lc: bao gm Ph lc chung v Ph lc ca tng chng.
3. Phm vi p dng
- STTD c s dng nh Cm nang tn dng chun cho CBTD trong h thng NH A c nc.

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Da trn c s quy nh chung nu trong STTD ny, cc S Giao dch v chi nhnh NH A c th b sung chi
tit quy trnh nghip v tn dng i vi tng sn phm hoc nhm sn phm c th ti a phng.
4. T chc thc hin

-
STTD c p dng trong ton h thng NH A. Trong qu trnh p dng, cng tc chnh sa, b sung STTD s
c thc hin tu theo thc t.
Cc cn b lin quan trong hot ng tn dng ca NH A c trch nhim thc hin theo nhng hng dn ca
STTD, ng gp kin chnh sa STTD, gi gn bo mt STTD ny.
5. Hng dn cp nht, b sung, chnh sa

-
Vic cp nht, b sung chnh sa s c xem xt thc hin nh k hng nm hoc t xut khi c nhng thay
i quan trng, bt thng v mi trng kinh doanh v khun kh th ch chung m bo ph hp vi yu
cu qun l v iu hnh v tn dng ca NH A v NHNN VN.
Hi ng Qun tr NH A c trch nhim thnh lp Ban Chnh sa S tay Tn dng. Trn c s thu thp
kin nhn xt v kin ngh v S tay Tn dng ca ngi s dng (CBTD v lnh o ti Trung tm iu hnh,
cc S giao dch v chi nhnh NH A), Ban Chnh sa S tay Tn dng s chn lc, lp xut chnh sa S
tay Tn dng nu chi tit nhng thay i, cp nht cn thc hin trnh Hi ng qun tr ph duyt.
Sau khi c kin ph duyt ca Hi ng qun tr, mi ni dung sa i c a vo STTD theo cc mc
tng ng. Cc ni dung sa i cng c lp thnh mt danh sch nh vo phn u ca STTD. Danh sch
cc ni dung sa i c lp theo cu trc sau:
Sa i
ln th
Ngy thng
sa i
Tham
chiu
Tn gi
phn sa i
Chng /
phn c lin
quan
i din Ban chnh sa STTD

Tn
Chc danh
Ch
k
Ban chnh sa STTD s thng bo cho cc phng lin quan ti Trung tm iu hnh, cc S giao dch v chi
nhnh NH A bit v vic sa i STTD.

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PH LC 1A.
DANH MC VN BN PHP L
Tn vn bn
S tham chiu
Ngy ban hnh
1. VN BN PHP L
Php lnh hp ng kinh t
25/09/1989
Lut Dn s nc Cng ho X hi Ch
ngha Vit Nam
28/10/1995
Lut cc t chc tn dng
12/12/1997
Ngh nh v quy ch u thu
88/1999/N-CP
01/09/1999
Ngh nh v quy ch u thu
14/2000/N-CP
05/05/2000
Thng t hng dn thc hin Quy ch 04/2000/TT-BKH

u thu ban hnh km theo Ngh nh
88 v Ngh nh 14
26/05/2000
Quyt nh v Quy ch cho vay ca 1627/2001/Q-NHNN

TCTD i vi khch hng
31/12/2001
Quyt nh v Quy ch ng ti tr ca 286/2002/Q-NHNN

cc t chc tn dng
03/04/2002
Thng t hng dn thc hin Ngh 07/2003/TT-NHNN

nh s 178/1999/N-CP ca Chnh
ph
19/05/2003
2. VN BN PHP L LIN QUAN N BO M TIN VAY

Ngh nh ca Chnh ph v th tc 17/1999/N-CP
chuyn i, chuyn nhng, cho thu,
cho thu li, tha k quyn s dng t
v th chp, gp vn bng gi tr quyn
s dng t
29/03/1999
Thng t ca Tng cc a chnh hng 1417/1999/TT-TCC

dn thi hnh Ngh nh s 17/1999/NCP ngy 29/3/1999 ca Chnh ph v
th tc chuyn i, chuyn nhng, cho
thu, cho thu li, tha k quyn s
dng t v th chp, gp vn bng gi
tr quyn s dng t
18/09/1999
Ngh nh Chnh ph v giao dch bo 165/1999/N-CP

m
19/11/1999
Ngh nh v m bo tin vay ca cc 178/1999/N-CP
29/12/1999

caohockinhte.info
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24
t chc tn dng
Ngh nh ca Chnh ph v ng k 08/2000/N-CP
giao dch bo m
10/03/2000
Ngh nh ca Chnh ph v vic sa 79/2001/N-CP

i b sung mt s iu ca Ngh nh
s 17/1999/N-CP ngy 29/3/1999 v
th tc chuyn i, chuyn nhng, cho
thu, cho thu li, tha k quyn s
dng t v th chp, gp vn bng gi
tr quyn s dng t
01/11/2001
Thng t ca lin B Tng Cc a 772/2001/TTLT-TCC-NHNN

chnh v Ngn hng Nh nc v vic
hng dn th tc th chp gi tr quyn
s dng t v ti sn gn lin trn t
ca doanh nghip c vn u t nc
ngoi
21/05/2001
Cng vn ca Tng cc a chnh v 1581/TCC-PC

vic xc nh gi tr quyn s dng t
th chp, bo lnh
21/09/2001
Thng t ca B t php, hng dn 01/2002/TT-BTP

mt s vn v thm quyn, trnh t
v th tc ng k, cung cp thng tin
v giao dch bo m ti Cc ng k
quc gia giao dch bo m thuc B
T php v cc Chi nhnh
09/01/2002
Ngh nh v thi hnh Lut sa i b 04/2000/N-CP

sung mt s iu ca Lut t ai
11/02/2002
Thng t hng dn v cho vay khng 03/2003/TT-NHNN

phi bo m bng ti sn theo Ngh
quyt
s
02/2003/NQ-CP
ngy
17/01/2003 ca Chnh ph
24/02/2003
Thng t hng dn thc hin Ngh 07/2003/TT-NHNN

inh
s
178/1999/N-CP
ngy
29/12/1999 ca Chnh ph v Bo m
tin vay
19/05/2003
Thng t ca B T php, B Ti 03/2003/TTLT-BTP-BTNMT

nguyn mi trng hng dn v trnh
t, th tc ng k v cung cp thng tin
v th chp, bo lnh bng quyn s
dng t, ti sn gn lin vi t
04/07/2003
Ngh nh ca Chnh Ph v vic sa 85/2002/N-CP

i mt s iu ca Ngh nh 178
25/10/2002
Khung gi t v nh ca cc UBND
tnh, thnh ph, c khu.

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25
3. VN BN PHP L LIN QUAN N BO LNH NGN HNG

Quyt nh v Quy ch Bo lnh Ngn 283/2000/Q-NHNN14
hng
25/08/2000
Quyt nh sa i mt s im trong 386/2001/Q-NHNN

Quyt nh 283
11/04/2001
Quyt nh v vic sa i, b sung mt 1348/2000/Q-NHNN

s quy nh lin quan n thu ph bo
lnh ca cc t chc tn dng
29/10/2001
Quyt nh v vic sa i, b sung mt 112/2003/Q-NHNN

s iu ca Quy ch Bo lnh Ngn
hng
11/02/2003
4. VN BN PHP L LIN QUAN N HOT NG TN DNG CA

NHNO&PTNT VN
Vn bn v vic phn loi khch hng
1963/NHNo-05
18/08/2000
Vn bn tr li vng mc v vic thc 2324/NHNo-06

hin phn loi khch hng
19/09/2000
Quyt nh v vic Ban hnh quy ch t 169/Q/HQT-02

chc v hot ng ca Chi nhnh
NHNo&PTNT VN
07/09/2000
Vn bn hng dn cho vay pht trin 3202/NHNo-05

ging thu sn
18/12/2000
Quyt nh v vic ban hnh quy nh 11/Q-HQT-03

phn cp phn quyt mc cho vay ti a
i vi mt khch hng
18/01/2001
Quyt nh v vic ban hnh Quy nh 10/Q-HQT-03

v t chc v hot ng ca Hi ng
tn dng trong h thng NHNo&PTNT
VN
18/01/2001
Quyt nh v vic Ban hnh hng dn 09/Q-HQT-05

thc hin Quy ch bo lnh ngn hng
trong h thng NHNo&PTNT VN
18/01/2001
Vn bn hng dn mt s im v cho 704/NHNo-05

vay c s h tng
26/03/2001
Vn bn hng dn nghip v cho vay 723/NHNo-05

i vi cy ch
27/03/2001
Vn bn v/v cho vay kinh t trang tri
733/NHNo-06
28/03/2001
Vn bn hng dn thm mt s im 750/NHNo-06

cho vay pht trin ngnh ngh nng
thn
29/03/2001
Vn bn hng dn thm vic cho vay 749/NHNo-06
29/03/2001

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26
h gia nh, c nhn thng qua t vay

vn
Quy ch hot ng ca Ban Qun l d Km theo Quyt nh
n U thc u t NHNo&PTNT VN
303/Q/HQT-TCCB
25/4/2001
Quyt nh v/v ban hnh quy nh phn 88/HQT-03

loi TS "C", trch lp v s dng d
phng XLRR .
25/04/2001
Vn bn hng dn b sung cho vay 1111/NHNo-06

theo Hn mc tn dng i vi h gia
nh, c nhn
04/05/2001
Quy ch t chc v hot ng Trung Km theo Quyt nh

tm phng nga v x l ri ro 235/Q/HQT-TCCB
NHNo&PTNT VN
01/06/2001
Quy ch hot ng ca Ban Nghin cu Km theo Quyt nh

Chin lc kinh doanh NHNo&PTNT 305/Q/HQT-TCCB
VN
25/07/2001
Quy ch hot ng ca Ban K hoch Km theo Quyt nh

Tng hp NHNo&PTNT VN
304/Q/HQT-TCCB
25/07/2001
Quy ch hot ng ca Ban Tn dng Km theo Quyt nh

NHNo&PTNT VN
301/Q/HQT-TCCB
25/07/2001
Quy ch hot ng ca Ban Quan h Km theo Quyt nh

quc t NHNo&PTNT VN
299/Q/HQT-TCCB
25/07/2001
Quyt nh v vic ban hnh quy nh 440/Q/HQT-TCCB

v v vic m, thnh lp v chm dt
hot ng ca S giao dch, chi nhnh,
phng giao dch, Vn phng i din,
n v s nghip c NHNo&PTNT VN
22/11/2001
Quyt nh v/v Quy nh cho vay i 72/Q-HTD-TD

vi khch hng trong h thng
NHNo&PTNT VN
31/03/2002
Vn bn v vic thc hin Thng t lin 705/CV-NHCT7

tch s 02/2002/TTLT/NHNN-BTP
26/02/2002
Quy ch t chc hot ng ca Cng ty Km theo Quyt nh

Qun l n v Khai thc ti sn 43/Q/HQT
NHNo&PTNT VN
26/02/2002
Vn bn hng dn iu kin, h s cho 756/NHNo-TD

vay ngoi t
02/04/2002
Vn bn hng dn phng thc cho 1235/NHNo-TD

vay theo hn mc tn dng
17/05/2002
Vn bn hng dn thc hin Quy ch 1435/NHNo-TD

ng ti tr
31/05/2002
Vn bn hng dn cho vay qua t vay 1850/NHNo-TD
11/06/2002

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27
vn
Quy ch t chc v hot ng ca Ban Km theo Quyt nh
thm nh ti tr s chnh v phng (t) 259/Q/HQT-TCCB
thm nh ti cc chi nhnh trong h
thng NHNo&PTNT VN
Quyt nh v vic ban hnh quy nh 300/Q/HQT-TD
vic thc hin cc bin php bo m
tin vay trong h thng NHNo&PTNT
VN

caohockinhte.info
04/09/2003
24/09/2003
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28
CHNG II. C CU T CHC B MY QUN L TN DNG
CHNG II.
C CU T CHC B MY QUN L TN DNG
A. C CU CHNG
1. Gii thiu chung
2. Nguyn tc t chc hot ng tn dng
3. C cu t chc b my qun l tn dng
3.1. C cu t chc khung
3.2. Chc nng nhim v
4. Ph lc
-
Ph lc 2A: S quy trnh tn dng chung
Ph lc 2B: S c cu t chc b my qun l tn dng ti Tr s chnh v chi nhnh NH A
B. NI DUNG CHNG
1. Gii thiu chung
Chng ny xc nh mt c cu t chc ca b my qun l tn dng p ng c nhng mc tiu c bn ca
hot ng tn dng trong NH A. Mt im mu cht trong qun l tn dng hiu qu l xy dng c mt c cu
t chc tn dng c kh nng tun th theo chnh sch v quy trnh tn dng ca ngn hng, duy tr mt danh mc
tn dng cht lng gim thiu ri ro, ti u ha cc cp bc cn b v s dng chi ph nhn lc mt cch hiu qu
nht.
Ton b quy trnh tn dng lin kt cht ch t nghin cu th trng thng qua cc mi lin lc vi khch hng,
iu tra v nh gi tn dng, ph duyt, son tho h s, gii ngn, nh gi v thu n cho ti quay vng, gia hn
hay chm dt khon cho vay. Quy trnh ny bao gm 3 phn chnh l Tip th (marketing) tn dng; phn tch nh
gi tn dng v qun l gim st tn dng. (xem Ph lc 2A- S quy trnh tn dng chung)
B my qun l tn dng hp l p ng cc yu cu sau:
- C cu lnh o ph hp vi mt n v kinh doanh nhm m bo t chc hnh cng vic hiu qu.
- Xc nh r trch nhim ca cc b phn hoc c nhn, c bit l trch nhim v kt qu cng vic.
- Hot ng theo nh hng khch hng.
- Qun l thng tin cht ch v y .
2. Nguyn tc t chc hot ng tn dng
T chc hot ng tn dng ti NH A c xy dng theo m hnh qun tr phn quyn da trn c s cc chnh
sch v nguyn tc c iu hnh tp trung. Trong , Ban Tn dng chu trch nhim xy dng vn ha v ton
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b cc chnh sch v quy tc qun tr chung cho cng tc qun tr tn dng ti ngn hng. ng thi, cc Ban
nghip v tn dng da trn nhng chnh sch v nguyn tc trc tip thc hin cc giao dch tn dng, qun l
v kim sot ri ro tn dng.
M hnh qun l tn dng ny hng ti:
- Xc nh mc chp nhn ri ro tn dng ph hp;
- Xy dng quy trnh cp tn dng thng nht v khoa hc;
- Duy tr mt quy trnh gim st v o lng ri ro hp l;
- Bo m kim sot cht ch i vi ri ro tn dng;
- Thu ht khch hng v d n tn dng tt;
3. C cu t chc b my qun l tn dng
3.1. C cu t chc khung
B my qun l tn dng ti NH A bao gm ba nhm chnh trc tip tham gia vo quy trnh qun l tn dng:
Tng gim c (Gim c chi nhnh)
Cc phng ban nghip v tn dng
Kim tra & gim st tn dng c lp
Ba nhm ny chu trch nhim xy dng v thc hin cc chnh sch, quy trnh v cc quy nh v qun l tn dng
trong ngn hng.
Ph lc 2B: S c cu t chc b my qun l tn dng ti Tr s chnh v chi nhnh NH A
3.2. Chc nng nhim v
3.2.1. Tng Gim c
Trong hot ng tn dng v qun l tn dng, Tng Gim c NH A c nhng vai tr sau:
- Phi hp vi cc Ban nghip v tn dng hoch nh chin lc tn dng v qun tr ri ro tn dng. L
ngi quyt nh cui cng trong vic ban hnh cc chnh sch, quy trnh tn dng v hng dn thc hin.
- L ngi c quyn hn cao nht v cui cng trong ton h thng NHNo & PTNT trong vic ph duyt cc
khon cp tn dng v hn mc tn dng (bao gm hn mc tn dng cho khch hng, hn mc tn dng
theo c cu danh mc tn dng v mc phn quyt ca cc NHCV), cc khon cho vay, bo lnh v ti tr
thng mi.
- Ra quyt nh b nhim cc v tr ch cht trong b my t chc qun l tn dng ca h thng NH A.
3.2.2. Gim c S giao dch / chi nhnh NH A (NHCV)

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Gim c cc NHCV chu trch nhim ch o iu hnh nghip v kinh doanh ni chung v hot ng cp tn
dng ni ring trong phm vi c u quyn;
Cng vic c th lin quan ti hot ng tn dng bao gm:
- Xem xt ni dung thm nh do phng tn dng trnh ln quyt nh cho vay hay khng cho vay v chu
trch nhim v quyt nh ca mnh.
- K hp ng tn dng, hp ng BTV v cc h s do ngn hng v khch hng cng lp;
- Quyt nh cc bin php x l n, cho gia hn n, iu chnh k hn tr n, chuyn n qu hn, thc hin
cc bin php x l i vi khch hng.
Cc Phng ban nghip v tn dng

a) Ti Tr s chnh
Cc Ban nghip v tn dng ti Trung tm iu hnh NH A bao gm:
- Ban Tn dng
- Ban Qun l D n U thc u t
- Ban Thm nh D n
- Ban Quan h quc t
- Trung tm Phng nga v x l ri ro
- Cng ty Qun l n v khai thc ti sn
(i) Ban Tn dng
Chc nng
Ban Tn dng c chc nng tham mu cho HQT, Tng gim c NH A trong vic qun l, ch o hot ng tn
dng bo lnh trong nc, u t ngn hn di hn, m rng th trng, nghin cu xut ci tin th tc vay to
thun li cho khch hng nhm mc tiu pht trin kinh doanh an ton, hiu qu ca NH A.
Nhim v:
- Qun l iu hnh hot ng tn dng trong ton h thng NH A.
- D tho cc quy ch, quy trnh v hng dn v nghip v tn dng.
- M rng dch v tn dng v th trng tn dng trong c nc thnh ph v nng thn.
- u mi v phi hp vi cc ban c lin quan t chc ch o u t th nghim cho cc chng trnh nghin
cu cc dch v sn phm mi.

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M rng th phn tn dng theo hng u t khp kn gm: sn xut, ch bin, tiu th, xut khu (ni t,
ngoi t) gn nghip v tn dng vi thanh ton k c thanh ton quc t, vn ni t, ngoi t; chuyn i tn
dng sn xut vi tn dng lu thng v tn dng tiu dng trong mi khch hng.
Nghin cu xut ci tin th tc cho vay.
Xy dng v ch o m hnh chuyn ti vn v qun l tn dng c hiu qu.
Phi hp vi Ban c lin quan xy dng v thc hin chin lc khch hng v t chc qun l v phn loi
khch hng.
Phn tch kinh t theo ngnh ngh kinh t k thut, la chn i tng, bin php cho vay t hiu qu cao.
Bo lnh tn dng trong nc.
Trc tip thm nh, ti thm nh cc d n tn dng thuc quyn phn quyt ca Tng gim c v HQT
NH A.
Ch o, kim tra, phn tch hot ng tn dng, phn loi n, phn tch n qu hn tm nguyn nhn v bin
php khc phc. Phn tch hiu qu vn u t, thng k tng hp, bo co chuyn hng thng, qu, nm
ca cc chi nhnh.
Thc hin ch bo co nh k v t xut theo quy nh.
nh k s kt, tng kt chuyn , nh gi cng tc tn dng ca NH A.
Phi hp vi Trung tm phng nga v x l ri ro x l ri ro trong kinh doanh ca NH A.
(ii) Ban Qun l D n U thc u t

Chc nng
Ban Qun l d n u thc u t c chc nng tham mu cho HQT, Tng gim c NH A trong vic thc hin
qun l cc chng trnh dch v u thc u t ca chnh ph cc b, ngnh, t chc kinh t x hi trong v ngoi
nc do NH A m nhim.
Nhim v:
- Nghin cu pht trin nghip v tn dng u thc u t, tn dng ch nh ca Chnh ph v cc t chc, c
nhn trong v ngoi nc.
- Xy dng cc quy ch, quy nh nghip v v hng dn thc hin quy trnh nghip v trn c s hp ng
k cho tng d n u t.
- Qun l v ch o thc hin cc chng trnh dch v u thc ca Chnh ph, cc t chc ti chnh - tn dng,
cc t chc kinh t - x hi, c nhn trong v ngoi nc.
- u mi ch o, thc hin cc d n u thc u t, lm th tc vay vn t qu vn quay vng. T chc rt
vn, giao vn, gii ngn, theo di nh gi vic s dng vn v hon tr vn theo tng d n.
- Qun l cc khon vn u thc u t ca NH A.
- Qun l h thng thng tin bo co cc d n u thc u t, phn tch nh k nh gi hiu qu ca d n v
lp bo co thc hin d n cho cc ch u t.
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Tham mu, xut cho Tng gim c tip nhn, tham gia cc d n u thc u t vi nhiu t chc tn dng
trong nc v ngoi nc tham gia.
Thc hin ch bo co nh k v t sut theo quy nh.
Phi hp vi Trung tm o to t chc tp hun, hng dn nghip v u thc u t trong ton h thng NH
A.
Thc hin lu tr h s d n (bn chp)
D tho cc hp ng dch v u thc, u t.
(iii) Ban Thm nh D n

Chc nng
- D tho cc c ch, quy ch, quy trnh nghip v v thm nh, trin khai, hng dn thc hin cc c ch, quy
ch, quy trnh v nghip v n i ng cc b lm cng tc thm nh.
- Thm nh cc d n vay vn, bo lnh vt quyn phn quyt cho vay ca Gim c cc Chi nhnh hoc
nhng mn vay do HQT, Tng gim c hoc Gim c chi nhnh quy nh, ch nh.
- Nm nh hng pht trin kinh t x hi ca nh nc, cc B, Ngnh, a phng v nh hng pht trin
i vi cc doanh nghip, cc ngnh hng, cc nh mc kinh t-k thut lin quan n i tng u t. Thu
nhp, phn tch cc thng tin kinh t, thng tin khch hng, thng tin th trng.c lin quan n d n cn
thm nh, m bo cho vic thm nh c hiu qu, ng hng.
- T chc kim tra chuyn cng tc thm nh.
Nhim v:
- Xy dng quy ch, quy trnh v thm nh; gip HQT v Tng gim c ban hnh v trin khai tp hun o
to cho cc Chi nhnh trong ton h thng.
- Trc tip thm nh cc d n do HQT, Tng gim c ch nh v thm nh cc d n vt quyn phn
quyt ca Chi nhnh cp I, Cng ty trc thuc.
- i vi cc d n c th hoc nhng thng tin quan trng phc v cho vic thm nh, c th thu chuyn gia
t vn hoc mua thng tin (khi c Tng gim c chp thun).
- Lm u mi v tham gia thm nh cc d n ng ti tr vi cc TCTD khc.
- Tip cn vi cc B ngnh c lin quan, cc Tng cng ty v cc a phng, nm bt nh hng pht trin
kinh t, cc nh mc kinh t k thut lin quan n i tng u t; khai thc cc d n u t c hiu qu;
tham mu cho lnh o trong vic lm u mi ng ti tr vi cc NHTM khc.
- Phi hp vi cc Ban lin quan, tham mu cho lnh o trong vic xc nh mc cho vay i vi mt s ngnh
kinh t, ngnh hng v doanh nghip. u t ng hng, phng nga v phn tn ri ro.
- Phi hp vi Trung tm o to v cc Ban chuyn mn nghip v khc trong vic o to, tp hun nghip v
cho cn b lm cng tc thm nh.
- Thu thp, qun l, cung cp thng tin phc v cng tc thm nh.
- T chc kim tra cng tc thm nh ca cc chi nhnh theo quy nh.
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Thc hin ch thng tin bo co v nhng vn lin quan n cng tc thm nh.
(iv) Ban Quan h Quc t

Chc nng
Ban Quan h Quc t c chc nng tham mu cho HQT, Tng Gim c NH A trong vic nghin cu chin lc
pht trin kinh t i ngoi vi cc t chc tn dng ngoi nc, t chc thc hin v qun l hot ng nghip v
lin quan n thanh ton quc t ca h thng NH A theo cc quy ch, c ch ca Nh nc v ca ngnh.
Nhim v :
Trong hot ng tn dng, Ban Quan h quc t c nhng nhim v sau:
- u mi giao dch, tip nhn cc d n cho vay ti tr t cc t chc kinh t, ngn hng nc ngoi trc tip
hoc thng qua Chnh ph, t chc kinh t x hi khc.
- u mi giao dch vi cc t chc ti chnh, ngn hng nc ngoi v cc khon vay vn tn dng ngn, trung
v di hn, bng ngoi t theo nhu cu huy ng vn ca NH A.
- Qun l cc khon vay tr n nc ngoi. Phi hp vi cc n v c lin quan theo di hot ng ca t chc,
ngn hng nc ngoi c quan h vi NH A.
- Tham gia thm nh cc d n tn dng v bo lnh tn dng nc ngoi.
- Lp h s php l theo quy nh, qun l hn mc, theo di kim tra qu trnh thc hin d n bo lnh vay
vn nc ngoi.
- Thc hin ch bo co nh k v t xut theo quy nh.
(v) Trung tm Phng nga v x l ri ro
Chc nng
Trung tm PN & XLRR c chc nng tham mu cho HQT v Tng gim c v thu thp, cung cp, lu tr v
phn tch thng tin phng nga ri ro, tng hp v x l ri ro trong hot ng kinh doanh ca ton h thng NH
A.
Nhim v :
- T chc xy dng chin lc phng nga v x l ri ro trong hot ng kinh doanh ca NH A.
- D tho cc vn bn quy nh ca NH A v thng tin phng nga v x l ri ro.
- T chc khai thc thng tin lin quan n hot ng ca NH A trong kinh doanh tin t, tn dng v dch v
ngn hng t cc phng tin thng tin i chng, cc mng thng tin in t ca Vit Nam v ca th gii.
- Lm u mi quan h vi Trung tm TTTD NHNN, cc Trung tm thng tin ca cc NHTM khc, cc B,
Ngnh c lin quan v cng tc phng nga ri ro.
- Tng hp, phn tch, theo di thng tin ri ro trong kinh doanh, nghin cu v thc hin cc bin php phng
nga ri ro trong hot ng kinh doanh ca NH A.
- u mi tip nhn h s, tng hp v trnh Hi ng hoc cp c thm quyn quyt nh x l ri ro trong hot
ng kinh doanh ca NH A.
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(vi) Cng ty qun l n v khai thc ti sn

Chc nng
Cng ty qun l n v khai thc ti sn c chc nng qun l n v khai thc TSB tn ng do NH A giao;
nghin cu, d tho cc quy nh, quy trnh nghip v lin quan n vic tip nhn, qun l cc khon n tn ng
v TSB n vay do NH A giao khai thc, x l, thu hi vn nhanh nht trnh NH A.
Nhim v:
+
Tip nhn, qun l cc khon n xu, n tn ng (bao gm: n c ti sn bo m v khng c TSB) v

TSB n vay (ti sn bo m; ti sn gn n; ti sn To n giao cho NH A) lin quan n cc khon n
ca NH A x l, thu hi vn nhanh nht.
Hon thin h s, th tc c lin quan n cc khon n theo quy nh ca php lut, trnh Ban ch o c
cu ti chnh NHTM ca Chnh ph xem xt, trnh Th tng Chnh ph cho php NH A c x l.
Ch ng bn cc TSB n cho vay thuc quyn nh ot ca NH A giao cho Cng ty qun l v khai
thc theo gi th trng (gi bn ti sn c th cao hoc thp hn gi tr n tn ng) theo hnh thc sau:
o T bn cng khai trn th trng.
o Bn qua Trung tm dch v bn u gi ti sn.
o Bn cho Cng ty mua, bn n ca nh nc.
Lp v t chc thc hin n c cu li n tn ng c NH A giao bng cc bin php: Gin n, min

gim li sut, u t thm, chuyn i n thnh vn gp theo ch o ca NH A.
S dng ngun vn ca Cng ty x l TSB n vay c giao qun l v khai thc bng cc bin php
thch hp: Ci to, sa cha, nng cp ti sn bn, cho thu, khai thc kinh doanh. Ring gp vn, lin
doanh bng ti sn thc hin theo n ca Cng ty khi c NH A chp thun.
Mua, bn n tn ng ca cc TCTD khc, ca cc cng ty qun l n v khai thc ti sn ca NHTM

khc theo quy nh ca php lut.
Nghin cu, xut, kin ngh vi cc c quan nh nc c thm quyn xem xt, sa i, b sung, ban
hnh cc quy nh, quy phm php lut lin quan trong qu trnh t chc vic qun l n v khai thc
TSB n vay.
D tho cc vn bn hng dn nghip v lin quan n qun l n v khai thc TSB n tn ng c

NH A giao, trnh cc cp c thm quyn ph duyt.
Ti Chi nhnh
T chc
C cu qun l tn dng ti S Giao dch v cc Chi nhnh NHNo & PTNT bao gm Phng Tn dng v Phng
thm nh, c th nh sau:

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S Giao dch v Chi nhnh

NHNo & PTNT cp I loi I
Chi nhnh NHNo & PTNT cp
I loi II v III
II loi IV
II loi V v cp III
Phng tn dng
Phng Thm nh
Phng K hoch Kinh doanh

lm chc nng tn dng (ngoi
chc nng khc).
Phng Tn dng
Phng Thm nh
T Thm nh
T Tn dng
Nhim v Phng Tn dng

Cc Phng Tn dng hoc Phng k hoch kinh doanh lm chc nng tn dng hoc T tn dng ti S Giao dch
v cc chi nhnh NHNo & PTNT c nhng nhim v sau:
- Nghin cu xy dng chin lc khch hng tn dng, phn loi khch hng v xut cc chnh sch u i
i vi tng loi khch hng nhm, m rng theo hng u t tn dng khp kn: sn xut, ch bin, tiu th,
xut khu v gn tn dng sn xut, lu thng v tiu dng.
- Phn tch kinh t theo ngnh, ngh kinh t k thut, danh mc khch hng la chn bin php cho vay an ton
v t hiu qu cao.
- Thm nh v xut cho vay cc d n tn dng theo phn cp u quyn.
- Thm nh cc d n, hon thin h s trnh NHNo & PTNT cp trn theo phn cp u quyn.
- Tip nhn thc hin cc chng trnh, d n thuc ngun vn trong nc, nc ngoi. Trc tip lm dch v u
thc ngun vn thuc Chnh ph, b, ngnh khc v cc t chc kinh t, c nhn trong v ngoi nc.
- Xy dng v thc hin cc m hnh tn dng th im, th nghim trong a bn, ng thi theo di, nh gi,
s kt, tng kt; xut Tng gim c cho php nhn rng.
- Thng xuyn phn loi d n, phn tch n qu hn, tm nguyn nhn v xut hng khc phc.
- Gip Gim c chi nhnh ch o, kim tra hot ng tn dng ca cc chi nhnh NHNo & PTNT trc thuc
trn a bn.
Nhim v Phng Thm nh ti chi nhnh cp I
- Thu thp, qun l, cung cp nhng thng tin phc v cho vic thm nh v phng nga ri ro tn dng.
- Thm nh cc khon vay do Gim c Chi nhnh cp I quy nh, ch nh theo u quyn ca Tng gim c
v thm nh nhng mn vay vt quyn phn quyt ca Gim c chi nhnh cp di.
- Thm nh cc khon vay vt mc phn quyt ca Gim c Chi nhnh cp I, ng thi lp h s trnh Tng
gim c (qua bn thm nh) xem xt ph duyt.
- Thm nh khon vay do Tng gim c quy nh hoc do Gim c Chi nhnh cp I quy nh trong mc phn
quyt cho vay ca Gim c Chi nhnh cp I.
- T chc kim tra cng tc thm nh ca Chi nhnh.
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Tp hun nghip v cho cn b thm nh.

Thc hin ch thng tin, bo co theo quy nh.
Nhim v ca T Thm nh ti chi nhnh cp II (loi IV)

- Thu nhp, qun l, cung cp nhng thng tin phc v cho vic thm nh v phng nga ri ro tn dng.
- Thm nh cc khon vay do Gim c Chi nhnh cp II quy nh, ch nh theo u quyn ca Gim c Chi
nhnh cp I v thm nh nhng mn vay vt quyn phn quyt ca Gim c chi nhnh cp di.
- Thm nh cc khon vay vt mc phn quyt ca Gim c Chi nhnh cp II, ng thi lp h s trnh Gim
c Chi nhnh cp I (qua Phng thm nh) xem xt ph duyt.
- Thm nh khon vay do Tng gim c quy nh hoc do Gim c Chi nhnh cp I quy nh trong mc phn
quyt cho vay ca Gim c Chi nhnh cp I hoc do Gim c Chi nhnh cp II quy nh trong mc phn
quyt cho vay ca Gim c Chi nhnh cp II.
- T chc kim tra cng tc thm nh ca Chi nhnh.
- Thc hin ch thng tin, bo co theo quy nh.
3.2.4. Kim tra v gim st tn dng c lp
a) Ti Trung tm iu hnh
Kim tra v gim st tn dng c lp l mt b phn thuc Ban kim tra, kim ton ni b, hot ng hon ton
c lp vi cc Ban nghip v tn dng nhm m bo qun l ri ro tn dng mt cch khch quan.
Thnh vin Kim tra v gim st tn dng c lp l cc cn b phi c ti thiu 7 nm kinh nghim v tn dng.
Nhim v:
B phn Kim tra v gim st tn dng c lp Trung tm iu hnh NH A c nhng nhim v sau:
-
nh gi mc ri ro ca danh mc tn dng v quy trnh qun tr ri ro t gc kinh doanh ca tng phng

ban nghip v ti Trung tm iu hnh.
Thng xuyn kim tra v nh gi vic nghim tc chp hnh php lut, cc quy nh ca NHNN VN v cc
quy nh v chnh sch ca NH A trong lnh vc tn dng nhm kp thi pht hin nhng vi phm, sai lch v
khuyt im trong hot ng tn dng, t xut cc bin php chn chnh sa cha, khc phc c hiu qu.
Kim sot hot ng tn dng trong ton h thng NH A. nh k, tin hnh cc cuc kim tra v hot ng tn
dng ca cc chi nhnh NH A.
ra cc bin php phng nga trnh vi phm mi pht sinh.
a ra cc kin ngh ci thin cc chnh sch, quy nh, v th tc ln cc Phng ban nghip v v nghin cu
v thc hin.
Bo co kp thi vi Tng Gim c, HQT v Ban Kim sot theo nh k hoc t xut theo yu cu;

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Lm u mi tip xc v phi hp lm vic vi thanh tra, kim tra, kim ton ca cc ngnh, cc cp v Thanh
tra NHNN i vi NH A.
b) Ti Chi nhnh
B phn Kim tra v gim st tn dng c lp ti cc Chi nhnh NHNo & PTNT loi I v II trc thuc Phng
Kim tra, kim ton ni b ca Chi nhnh, c lp vi cc Phng nghip v tn dng. Ti cc Chi nhnh NHNo &
PTNT loi III v IV khng c Phng Kim tra, kim ton ni b nn ch b tr cn b kim nhim lm cng tc
kim tra v gim st tn dng, c lp vi phng / t tn dng.
Trch nhim
B phn hoc Cn b kim nhim Kim tra v gim st tn dng c lp ti chi nhnh NHNo & PTNT c nhng
nhim v sau:
-
nh gi mc ri ro ca danh mc tn dng v quy trnh qun tr ri ro t gc kinh doanh ca tng phng

ban nghip v ti Chi nhnh.
Thng xuyn kim tra v nh gi vic nghim tc chp hnh php lut, cc quy nh ca NHNN VN v cc
quy nh v chnh sch ca NH A trong lnh vc tn dng ti chi nhnh nhm kp thi pht hin nhng vi phm,
sai lch v khuyt im trong hot ng tn dng, t xut cc bin php chn chnh sa cha, khc phc
c hiu qu.
nh k, tin hnh kim tra kim sot v hot ng tn dng ti chi nhnh.
ra cc bin php phng nga trnh vi phm mi pht sinh.

a ra cc kin ngh ci thin cc chnh sch, quy nh, v th tc ln Trung tm iu hnh nghin cu v thc
hin.
Lm u mi tip xc v phi hp lm vic vi kim tra, kim ton Trung tm iu hnh, bn ngoi v thanh
tra NHNN.
Lm bo co theo chc nng nhim v ca phng theo nh k hoc t xut theo yu cu ca Gim c v
Trung tm iu hnh;

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4. Ph lc
PH LC 2A
S QUY TRNH TN DNG CHUNG
Xc nh th
trng v cc
th trng mc
tiu
XUT TN DNG
NHU CU KHCH
HNG

2.1
Tip nhn yu
cu khch hng
Tm hiu trin
vng
Tham kho
kin bn ngoi
1.

THM NH
Mc ch vay
HKD
Qun l
S liu

K hn
Thanh ton
Cc iu khon
Bo m tin vay
Cc vn khc

PH DUYT
Cn b qun tr
ri ro
Gim c/Tng
gim c
TH TC H S & GII NGN
TH TC H S

2.
THNG LNG
GII NGN
D tho hp ng
Xem xt h s
Kim tra ti sn bo m
Min b giy t phpl
Cc vn khc
Th tc h s hon tt
Chuyn tin
QUN L DANH MC
QUN L TD

S liu
Cc iu khon
Bo m tin vay
Thanh ton
nh gi tn dng
THANH TON
Tr n ng hn
Tr gc
Tr li
Du hiu bt thng
X L
Nhn bit sm
TN THT
Chnh sch x l
Qun l
Khng tr n gc
Du hiu cnh bo
PH LC 2B.
Khng tr n li
C gng thu hi n
C
BinCU
php php
l
S
T CHC
B MY QUN L TN DNG
Ti c cu
Ti Trung tm iu hnh:

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38
39
Hi ng qun tr
Tng Gim c
Kim tra gim st
tn dng c lp
Ph Tng Gim c
ph trch tn dng
Ban
Thm
nh d
n
Ban Qun
l D n
UTT
Ban
Quan h
quc t

caohockinhte.info
Ban
Tn dng
Trung tm
Phng
nga v x
l ri ro
Cng ty
qun l n
v khai
thc ti sn
39
40
Ti Chi nhnh cc cp
Gim c
Chi nhnh
Phng (T)
Tn dng

caohockinhte.info
Kim tra gim

st tn dng
c lp
chi nhnh
Phng (T)
thm nh
40
CHNG III. PHN CP QUYN PHN QUYT PH DUYT TN DNG
41
CHNG III.
PHN CP THM QUYN PH DUYT TN DNG
A. C CU CHNG
1. Mc ch
2. Nguyn tc phn cp thm quyn ph duyt tn dng
3. Quyn phn quyt ca cc cp thm quyn
3.1. Tng Gim c NH A
3.2. Gim c Chi nhnh NH A
3.3. Biu Phn cp thm quyn ph duyt hn mc cho mt khch hng
4. Quy trnh ph duyt mt giao dch tn dng

4.1. Quy trnh ph duyt
4.2. Thi gian thm nh/ti thm nh v quyt nh cho vay
5. Xy dng v phn b hn mc tp trung tn dng

5.1. Nguyn tc
5.2. Quy trnh xy dng v ph duyt hn mc tp trung tn dng
6. Thay i hn mc tn dng
7. Cc mc phn quyt v gia hn n (gc v li) v iu chnh k hn n

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B. NI DUNG CHNG
1. Mc ch
Vic phn cp thm quyn ph duyt tn dng nhm mc ch xc nh quyn phn quyt tn dng. Quyn phn
quyt tn dng c phn b cho nhng cp bc cn b c kinh nghim, kh nng phn xt v tnh nht qun
cn thit nh gi chun xc mc ri ro v li ch lin quan khi ph duyt mt giao dch tn dng hoc mt
chng trnh tn dng.
2. Nguyn tc phn cp thm quyn ph duyt tn dng
a) Quyn phn quyt tn dng l quyn ph duyt mc cho vay cao nht i vi 1 khch hng. NH A phn cp
cho cc chi nhnh quyn phn quyt cho vay ti a i vi mt khch hng c quan h trc tip vi NH A trn
a bn ph hp vi cc yu cu iu kin sau:
- Ph hp vi mng li hot ng ca NH A.
- m bo vic cho vay chnh xc kp thi phc v khch hng, thc hin theo nh hng ca NH A.
- Hn ch n mc thp nht ri ro trong hot ng tn dng.
Quyt nh phn cp thm quyn ph duyt tn dng phi c lm bng vn bn v xem xt li hng nm.
b) Mc phn quyt cho vay ti a c xc nh i vi mt khch hng da trn nguyn tc sau:
- Tnh cht, kh nng hot ng ca tng thnh phn kinh t.
- Mc phc tp ca i tng cho vay.
- Trnh qun l, mc thu nhn thng tin ca tng loi Chi nhnh ngn hng.
- Mc cnh tranh gia cc TCTD trn cng mt a bn.
- Gii hn cho vay ti a i vi mt khch hng theo quy nh ca php lut
c) Mc phn quyt cho vay ti a bao gm: S tin Ngn hng bo lnh; d n cho vay ngn, trung, di hn bng
ni t, ngoi t t ngun vn ca NH A (ngoi t c quy i thnh ni t theo t gi ca Ngn hng Ngoi
thng Vit Nam cng b ti thi im cho vay)
d) Khi khon vay c nhu cu vay vt quyn phn quyt, CBTD ti NHCV phi lp h s theo quy nh gi
NHNo cp trn xem xt ph duyt. Ch khi c thng bo ca bc ph duyt cp trn, n v tip nhn h s xin
vay ca khch hng mi c thc hin gii ngn.
3. Quyn phn quyt ca cc cp thm quyn

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HQT NH A c quyn cao nht trong vic phn cp quyn phn quyt tn dng v phn cp trch nhim quyn
hn nh sau:
3.1. Tng Gim c NH A
3.1.1. Tng Gim c NH A c thc hin quyn phn quyt mc cho vay ti a i vi mt khch hng ph
hp vi quy nh khng ch ca php lut. Trng hp d n c mc vn vay vt mc thm quyn, Tng
Gim c NH A phi trnh Thng c NHNN ph duyt.
3.1.2. Tng Gim c NH A c u quyn mc phn quyt cho vay i vi Ph Tng gim c nhng ti a
khng vt qu mc cho vay ti a quy nh ti im 3.1.1. U quyn mc phn quyt cho vay i vi Ph
Tng Gim c phi c thc hin bng vn bn vi nhng ni dung c th r rng.
3.1.3. Quyt nh cho vay do Tng Gim c NH A hoc ngi c Tng gim c NH A u quyn thc hin
v chu trch nhim v quyt nh cho vay hay khng cho vay ca mnh.
3.2. Gim c Chi nhnh NH A
3.2.1. Tng gim c NH A quy nh gii hn ti a ph duyt tn dng i vi Gim c chi nhnh loi I, II v
S giao dch trong ton h thng NH A.
3.2.2. Gim c chi nhnh ngn hng loi I, loi II c u quyn mc phn quyt cho vay i vi Ph Gim c
nhng ti a bng mc phn quyt cho vay quy nh ti im 3.2.1.
3.2.3. Gim c chi nhnh loi I, loi II c u quyn phn cp phn quyt mc cho vay ti a cho cc chi
nhnh loi III, IV trn a bn qun l trong phm vi c phn cp im 3.2.1.
3.2.4. Gim c chi nhnh ngn hng loi III, loi IV c u quyn mc phn quyt cho vay i vi Ph Gim
c nhng ti a bng mc phn quyt cho vay quy nh ti im 3.2.3.
3.2.5. U quyn mc phn quyt cho vay i vi cc cp phi c thc hin bng vn bn vi nhng ni dung
c th r rng.
3.2.6. Cc chi nhnh loi I, II khi pht hin Chi nhnh trc thuc vi phm quyn phn quyt cho vay th Ngn
hng cp trn s xem xt gim quyn phn quyt cho vay ti a phn cp.

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3.2.7. Trng hp cc chi nhnh loi I, II vi phm quyn phn quyt cho vay th HQT NH A s xem xt gim
quyn phn quyt cho vay phn cp.
3.3. Biu phn cp thm quyn ph duyt hn mc cho mt khch hng
Hn mc cho vay i vi mi khch hng c xc nh khc nhau tu theo im tn nhim tng ng vi tng
khch (im tn nhim c tnh ton c xem xt ti cc yu t ri ro nh lng v nh tnh xem Chng V
H thng tnh im tn dng v xp hng khch hng). Tu theo yu cu tn dng, im tn nhim khc nhau,
tng cp thm quyn c quyn ph duyt nhng mc khc nhau theo biu phn cp thm quyn xy dng theo
m hnh sau y:

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Hn mc ph duyt tn dng i vi mt khch hng tng xng vi im tn nhim ca khch hng (hng ngang)
v yu cu tn dng ca khch hng (hng dc). Cc cp thm quyn c lit k trong ct u tin:
HN MC PH DUYT TN DNG
n v: t VND
Cp thm
quyn
Yu cu tn dng /
S tin ti a
(a)
Phn loi khch hng theo im tn dng

2
3
4
5
6
7-10
Tng Gim
c NH A
hoc ngi
c u
quyn
Vay mi / tng hn
mc(b) / vt hn
mc tm thi (c)
Gia hn (d) / sa i
(e)
/ Quay vng (f) /
nh gi li hn
mc (g)
Min gim li ph
Hn mc thanh
ton
Hn mc trc
thanh ton
Gim c S
Vay mi / tng hn
giao dch / Chi mc / vt hn
nhnh NH A
mc tm thi
(h)
Gia hn / sa i /
Quay vng / nh
gi li hn mc
Min gim li ph
(a)
Hn mc ph duyt tn dng ca Tng Gim c i vi mt khch hng c im tn nhim bng 1 bng vi mc

cho vay ti a i vi mt khch hng.
(b)
xut ph duyt khon vay mi: p dng cho mt khch hng mi (ngha l hin ti khng c hn mc)
(c)
xut vt hn mc tm thi: i km vi xut gii ngn s tin vt hn mc duyt.
(d)
xut gia hn

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Ngy nh gi li hn mc
Ngy o hn ca hn mc
(e)
xut sa i: p dng vi
- Nhng thay i trong c cu ca mt quan h tn dng hin ti, chng hn thay i hay b sung hn mc ph,
thay i loi tin, thay i hnh thc / loi khon vay, k hn, hnh thc bo m/ th chp,
(f)
xut quay vng khon cho vay: ch p dng cho cc trng hp quay vng nhng khon vay c k hn ban
u 1 nm tr xung. Nu c nhng thay i g lin quan, xut ny va c coi l quay vng, va c coi l
sa i.
(g)
xut nh gi li hn mc: p dng cho nhng hn mc hin ti c k hn ban u t 1 nm tr ln v

khng c thay i g v cc iu khon iu kin duyt trc . Nu thay i g lin quan, xut ny va
c coi l nh gi li, va c coi l sa i.
(h)
Cn phn b hn mc khc nhau cho cc cp chi nhnh khc nhau.
4. Quy trnh ph duyt mt giao dch tn dng (cho vay hoc bo lnh)
4.1. Quy trnh ph duyt
Vic ph duyt mt giao dch cho vay hoc bo lnh c thc hin theo quy trnh sau:

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a) D n trong quyn phn quyt
Cn b thm nh tn
dng
Nghin cu, thm
nh khch hng vay
vn
(1)
Lnh o phng
(t) tn dng
Kim tra h s khch
hng, thm nh li
Gim c
(2)
Ph duyt / khng
ph duyt cho vay
(1) T trnh (kim bo co thm nh) xut cho vay / khng cho vay + H s vay vn
(2) T trnh (kim bo co thm nh) xut cho vay / khng cho vay (c kin nhn xt) + H s vay vn
Cn b thm nh tn dng:
- Phn tch thm nh khch hng vay vn v d n/phng n
- Lp t trnh kim bo co thm nh
- xut cho vay/khng cho vay
- Chuyn h s vay vn + t trnh kim bo co thm nh + xut cho vay / khng cho vay cho Lnh o
Phng tn dng
Lnh o Phng tn dng
- Kim tra li ton b h s vay vn, t trnh ca cn b thm nh tn dng, cho kin trn t trnh thm nh
v vic cho vay/ khng cho vay trnh Gim c hoc ngi c u quyn hp php xem xt quyt nh.
Gim c S Giao dch/chi nhnh NH A hoc ngi c u quyn hp php
-
Xem xt t trnh kim bo co thm nh v xut ca Phng tn dng quyt nh v vic cho vay/khng
cho vay.
Nu cn thit, Gim c S Giao dch/ chi nhnh NH A c th quyt nh thnh lp t ti thm nh (bao gm
t nht 2 thnh vin) thm nh li phng n/d n. T ti thm nh tin hnh thm nh v lp t trnh
thm nh. Gim c S Giao dch hoc chi nhnh NH A xem xt t trnh quyt nh cho vay / khng cho
vay.
b) D n vt quyn phn quyt

Nu gi tr giao dch vt thm quyn ph duyt, Gim c NHCV trnh ln Ngn hng cp trn quyt nh. Khi
c Ngn hng cp trn ng (thng bo bng vn bn), Ngn hng cp di mi c thc hin. Trng hp
pht hin thy kh nng u t khng m bo an ton, Gim c chi nhnh c quyn t chi cho vay v bo
co kp thi ln Ngn hng cp trn (ni ph duyt d n bit).

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4.2. Thi gian thm nh/ti thm nh v quyt nh cho vay

a) Cc d n trong quyn phn quyt:
- Trong thi gian khng qu 05 ngy lm vic i vi cho vay ngn hn v khng qu 15 ngy lm vic i vi
cho vay trung, di hn k t khi NHCV nhn c y h s vay vn hp l v thng tin cn thit ca khch
hng, NHCV phi quyt nh v thng bo vic cho vay hay khng cho vay vi khch hng. Nu quyt nh
khng cho vay, NHCV phi thng bo vi khch hng bng vn bn trong nu r l do t chi cho vay.
b) Cc d n vt quyn phn quyt:
cho vay trung di hn k t ngy NHCV nhn c y h s vay vn hp l v thng tin cn thit ca
khch hng, NHCV phi lm y th tc trnh ln NHNo & PTNT cp trn.
cho vay trung di hn k t ngy nhn c y h s trnh, NHNo & PTNT cp trn phi thng bo chp
thun hoc khng chp thun.
c) Thi gian ti thm nh mt khon vay c ch nh khng qu 03 ngy
ngn hn v khng qu 05 ngy i vi cho vay trung-di hn.
ngoi thi gian thm nh chnh ni trn.
i vi cho vay
Thi gian ti thm nh ny nm
NHCV c trch nhim nim yt cng khai thi hn ti a thm nh cho vay theo quy nh ti im a), b) v c) ni
trn.
5. Xy dng v phn b hn mc tp trung tn dng
Ban tn dng s quyt nh thit lp cc hn mc xc nh tp trung trong c cu danh mc tn dng da trn
mc ri ro c th chp nhn c ca ton h thng ngn hng, tnh ton cn i ngun vn v nh gi th
trng. Vic t ra cc hn mc ny s gip cho ngn hng trnh c s cho vay tp trung qu mc vo mt lnh
vc, ngnh ngh, nhm khch hng hoc a bn no v m bo rng khng c ti sn (hay mt nhm) ti sn
no hoc trng thi ri ro no c th gy nh hng n kt qu kinh doanh cui cng ca ton b h thng. Sau
y l nguyn tc v quy trnh xy dng v phn b hn mc theo c cu danh mc tn dng:
5.1. Nguyn tc
Hng nm, hn mc tp trung tn dng phi c thit lp t nht l theo cc yu t ri ro sau:
- Khch hng
- Ngnh hng
Ngoi ra, c th thit lp hn mc tp trung tn dng theo cc yu t ri ro khc nh:
- Bo m tin vay: cho vay c bo m v cho vay khng c bo m
- Thi hn vay
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Sn phm
Cc hn mc tp trung tn dng lp theo cc yu t ri ro ni trn phi m bo ph hp tng xng vi phn on

th trng v i tng khch hng mc tiu, a bn hot ng v nng lc qun l ca tng chi nhnh.Cc hn
mc tp trung tn dng ny c tnh bng t trng ca danh mc tn dng ca NHCV.
Cc NHCV c trch nhim gim st v bo co nh k m bo rng danh mc tn dng ca h c khng
ch trong gii hn c ph chun.
5.2. Quy trnh xy dng v ph duyt hn mc tp trung tn dng
5.2.1. Mc tn dng ti a i vi mt khch hng
Mc tn dng ti a i vi mt khch hng c xy dng theo nguyn tc sau:
-
m bo tun th theo quy nh ca NHNN VN.
m bo ln ca hn mc tng xng vi im tn nhim ca khch hng (ngha l ph hp vi quy m,

nng lc ti chnh, ca tng khch hng).
Ti Trung tm iu hnh NH A
Ban Tn dng
Ban K hoch
tng hp
xut
Tng Gim c
K ban hnh
Trung tm phng
nga v x l
ri ro
Ti S giao dch / chi nhnh NH A:
Phng Tn dng
xut
Gim c
K ban hnh
Thm quyn xc nh mc cho vay ti a i vi mt khch hng ca Gim c Chi nhnh NHNo & PTNT nm
trong gii hn mc u quyn phn quyt cho vay i vi mt khch hng ca Tng Gim c NH A.
5.2.2. Hn mc tp trung tn dng phn b theo ngnh hng

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Cc ngnh hng trn danh mc tn dng ca NH A c phn b theo cc nhm chnh sau:
- Nng nghip
- Lm nghip
- Ng nghip
- Xy dng
- Cng nghip
- Nng lng
- Giao thng vn ti
- Vin thng
- Dch v: khch sn, du lch,
- Bt ng sn
- Khai thc m
- Thu sn
- Ngnh khc
Cch thc phn b d n theo ngnh hng c thc hin theo nguyn tc:
-
Xc nh d n thuc ngnh no cn c vo mc ch vay vn ca d n sn xut kinh doanh xin vay.
Nu doanh nghip vay p ng nhu cu vn lu ng th xc nh d n thuc ngnh no cn c vo ngnh

ngh kinh doanh ca doanh nghip. Nu doanh nghip vay vn kinh doanh a ngnh ngh, tin hnh phn b
theo ngnh ngh chnh ca doanh nghip.
Quy trnh xy dng v qun l hn mc tp trung tn dng phn b theo ngnh hng
Hng nm, NHCV xy dng hn mc tp trung tn dng theo quy trnh sau:
(1) Trng phng Tn dng lp xut hn mc tp trung tn dng cho danh mc tn dng ca NHCV. xut
ny phi i km bn thuyt minh vi ni dung
-
l do, cn c xut
phn tch c cu ngnh hng trn danh mc tn dng ca NHCV trong qu kh.
phn tch c cu ngnh hng theo k hoch kinh doanh ca nm xut hn mc.
phn tch nhu cu vn ca cc ngnh hng trong nn kinh t.
(2) Gim c NHCV thng qua bn xut.

(3) Trnh xut ln Trung tm iu hnh NH A xin ph duyt
Sau khi hn mc tp trung tn dng phn b theo ngnh hng ca NHCV c Trung tm iu hnh ph duyt,
NHCV qun l hn mc tp trung tn dng theo cch thc sau:

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M ha cc khon vay theo ngnh hng nhm t ng ha vic phn loi khon vay trn h thng my tnh ca
chi nhnh.
Lp mc cnh bo vi phm hn mc (chng hn, mc cnh bo 80% ngha l khi tng d n ca mt ngnh
hng t ti 80% hn mc, h thng t ng cnh bo cho cn b qun l tn dng).
Trc khi xut mt khon vay mi cho khch hng, CBTD np th vo h thng. Nu khng vt hn mc,
CBTD tip tc tin hnh cc th tc xut cho vay. Nu vt hn mc, CBTD lp t trnh xin tng hn mc
Trung tm iu hnh xem xt ph duyt v ch tip tc tin hnh cc th tc xut cho vay khi c ph
duyt tng hn mc ca Trung tm iu hnh .
Khi d n ca mt ngnh hng t ti mc xut hin du hiu cnh bo, CBTD phi cn i, la chn u tin
cho khon xin vay no khng lm tng hn mc trnh ph duyt trc.
NHCV phi ban hnh quy nh hng dn v ch theo di, thng k v bo co v nh gi nh k v tnh
hnh s dng hn mc tp trung tn dng rt kinh nghim cho vic xut lp hn mc tp trung tn dng
ca nm sau.
5.2.3. Hn mc tp trung tn dng phn b theo cc yu t ri ro khc

Quy trnh xy dng v qun l hn mc tp trung tn dng phn b theo cc yu t ri ro khc c thc hin
tng t nh i vi yu t ngnh hng nu trn.
6. Thay i hn mc tn dng
Trng hp khch hng c nhu cu tng hn mc tn dng hoc khch hng mi quan h tn dng phi c Gim
c NHCV duyt hn mc tn dng b sung. Khi ph duyt yu cu tng hn mc tn dng ca khch hng, cn b
ph duyt phi tun th theo mc phn quyt quy nh.
Nu mc tn dng b sung vt thm quyn ph duyt, lnh o NHCV trnh Ngn hng cp trn xt duyt.
7. Cc mc phn quyt v gia hn n (gc v li) v iu chnh k hn n
Gim c NHCV xem xt quyt nh cho gia hn n hoc iu chnh k hn tr n trong phm vi c u quyn.
Trng hp cn thit, Gim c NHCV c th triu tp hp Hi ng t vn tn dng quyt nh.
Trng hp khch hng ngh gia hn n vt mc u quyn, chi nhnh NHNo & PTNT c vn bn (km theo
h s, th tc gia hn n hoc iu chnh k hn n) trnh Tng gim c xem xt quyt nh.
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Xem chi tit mc phn quyt ti Biu phn cp thm quyn.

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CHNG IV. CHNH SCH TN DNG CHUNG
CHNG IV.
CHNH SCH TN DNG CHUNG
A. C CU CHNG
1. Mc tiu ca chnh sch tn dng
2. Ni dung ca chnh sch tn dng 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.
Quyn t ch ca NH A
i tng khch hng vay ti NH A
Nhng i tng v nhu cu vn khng c cho vay
Hn ch cho vay
Nguyn tc v iu kin vay vn
Phng thc cho vay
Cn c xc nh mc tin cho vay
Quy nh v tr n gc v li vay
iu chnh k hn tr n / chuyn n qu hn
Cn c xc nh li sut cho vay, li sut u i, li sut qu hn
Cn c xc nh thi hn v th loi cho vay
ng tin cho vay v thu n
Quy nh qun l ngoi hi ca nh nc v cho vay bng ngoi t i vi khch
hng vay l ngi c tr
Quyn v ngha v ca ngi vay v ngi cho vay
Chnh sch u i khch hng
Chnh sch cnh tranh / marketing
Cho vay theo cc mc ch v i tng c bit
3. B sung, sa i chnh sch tn dng trong tng thi k

4. Ph lc

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B. NI DUNG CHNG
1.
Mc tiu ca chnh sch tn dng
Chnh sch tn dng l h thng cc ch trng, nh hng quy nh chi phi hot ng tn dng do HQT ca
NH A a ra nhm s dng hiu qu ngun vn ti tr cho cc doanh nghip, cc h gia nh v c nhn trong
phm vi cho php ca nhng quy nh ca NHNN VN.
Mc ch ca chnh sch tn dng:
- Chnh sch tn dng xc nh nhng gii hn p dng cho cc hot ng tn dng. ng thi cng thit lp mi
trng nhm gim bt ri ro trong hot ng tn dng.
- Chnh sch tn dng c a ra nhm bo m rng mi quyt nh tn dng (quyt nh ti tr vn) u
khch quan, tun th quy nh ca NHNN VN v ph hp thng l chung ca quc t. Khng mt t chc, c
nhn no c can thip tri php lut vo quyn t ch trong qu trnh cho vay v thu hi n ca NH A.
Chnh sch tn dng xc nh:
+ Cc i tng c th vay vn ca NH A
+ Phng thc qun l cc hot ng tn dng
+ Nhng rng buc v ti chnh
+ Cc loi sn phm tn dng khc nhau do ngn hng cung cp
+ Ngun vn dng ti tr cho cc hot ng tn dng
+ Phng thc qun l danh mc cho vay
+ Thi hn v iu kin p dng cho cc loi sn phm tn dng khc nhau
2.
Ni dung ca chnh sch tn dng chung
2.1 Quyn t ch ca NHNo & PTNT VN

NH A t chu trch nhim v quyt nh trong cho vay ca mnh; khng mt t chc c nhn no c can thip
tri php lut vo quyn t ch trong qu trnh cho vay v thu hi n ca NH A.
2.2 i tng khch hng vay ti NH A
2.1.1. Khch hng doanh nghip Vit Nam
- Cc php nhn l doanh nghip nh nc, hp tc x, cng ty trch nhim hu hn, cng ty c phn,
doanh nghip c vn u t nc ngoi v cc t chc khc c iu kin quy nh ti iu 94 B
lut dn s.
- Cc php nhn nc ngoi
- Doanh nghip t nhn
- Cng ty hp danh
2.1.2. Khch hng dn c
- C nhn
- H gia nh
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2.3
T hp tc
Nhng i tng v nhu cu vn khng c cho vay
2.3.1. Nhng i tng khng c cho vay

- Thnh vin HQT, Ban Kim sot, Tng Gim c, Ph Tng Gim c NH A;
- Cn b, nhn vin ca NH A thc hin nhim v thm nh, quyt nh cho vay;
- B, m, v, chng, con ca thnh vin HQT, Ban kim sot, Tng Gim c, Ph Tng Gim c NH A;
- Gim c, Ph Gim c S giao dch, chi nhnh cc cp
- V (chng), con ca Gim c, Ph Gim c S giao dch, chi nhnh cc cp.
2.3.2. Nhng nhu cu vn khng c cho vay
- mua sm cc ti sn v cc chi ph hnh thnh nn ti sn m php lut cm mua bn, chuyn nhng,
chuyn i;
- thanh ton cc chi ph cho vic thc hin cc giao dch m php lut cm;
- p ng cc nhu cu ti chnh ca cc giao dch m php lut cm;
2.4 Hn ch cho vay
- Ngn hng cho vay thuc h thng NH A khng c cho vay khng c bo m bng ti sn, cho vay vi
nhng iu kin u i v li sut, mc cho vay, i vi nhng i tng sau:
T chc kim ton, kim ton vin ang kim ton ti NH A; K ton trng ca NH A; Thanh tra vin
thc hin nhim v thanh tra ti NH A;
Cc c ng ln ca NH A
Doanh nghip c mt trong nhng i tng quy nh ti im 2.3.1 ni trn s hu trn 10% vn iu l
ca doanh nghip .
Tng d n cho vay i vi cc i tng trn khng c vt qu 5% vn t c ca NH A.
2.5 Nguyn tc v iu kin vay vn

2.5.1. Nguyn tc
Khch hng vay vn ca NH A phi m bo cc nguyn tc sau:
- S dng vn vay ng mc ch tha thun trong hp ng tn dng;
- Phi hon tr n gc v li tin vay ng hn tha thun trong hp ng tn dng.
- Tin vay c pht bng tin mt hoc chuyn khon theo mc ch s dng tin vay tha thun trong hp
ng tn dng.
iu kin

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C nng lc php lut dn s, nng lc hnh vi dn s v chu trch nhim dn s theo quy nh ca php
lut.
i vi khch hng l php nhn v c nhn Vit Nam
Khch hng doanh nghip
a) Php nhn: c cng nhn l php nhn theo iu 94 v iu 96 B lut Dn s v cc quy nh khc ca
php lut Vit Nam.
i vi doanh nghip thnh vin hch ton ph thuc: phi c giy u quyn vay vn ca php nhn trc tip
qun l.
b) Doanh nghip t nhn: Ch DNTN phi c nng lc php lut dn s, nng lc hnh vi dn s v hot
ng theo Lut Doanh nghip.
c) Cng ty hp danh: Thnh vin hp danh ca cng ty hp danh phi c nng lc php lut dn s, nng lc
hnh vi dn s v hot ng theo Lut Doanh nghip.
Khch hng c nhn
d) H gia nh, c nhn
- C tr (thng tr, tm tr) ti a bn qun, huyn, th x, thnh ph (trc thuc tnh) ni NHCV ng tr
s. Trng hp ngi vay ngoi a bn ni trn giao cho gim c S giao dch, chi nhnh cp I quyt
nh. Nu
ngi vay a bn lin k (thn, lng, bn) ngoi tnh, thnh ph trc thuc trung ng, khi cho vay gim
c NHCV phi thng bo cho gim c Chi nhnh NHNo & PTNT ni ngi vay c tr bit.
- i din cho h gia nh giao dch vi NHCV l ch h hoc ngi i din ca h; ch h hoc ngi
i din phi c nng lc php lut dn s, nng lc hnh vi dn s.
e) T hp tc:
- Hot ng theo iu 120 B lut dn s;
- i din ca t hp tc phi c nng lc php lut dn s v nng lc hnh vi dn s.
2.5.2.2. Mc ch s dng vn vay hp php
2.5.2.3. C kh nng ti chnh m bo tr n trong thi hn cam kt
a) C vn t c tham gia vo d n, phng n sn xut, kinh doanh, dch v v i sng.

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Vn t c c tnh cho tng nhu cu vn sn xut, kinh doanh trong k hoc tng ln cho mt d n,
phng n sn xut, kinh doanh, dch v, i sng.
- Mc vn t c ca khch hng tham gia vo d n, phng n sn xut, kinh doanh, dch v v i sng c
th nh sau:
+ Cho vay ngn hn: Khch hng phi c vn t c ti thiu 10% trong tng nhu cu vn.
+ Cho vay trung di hn: Khch hng phi c vn t c ti thiu 20% trong tng nhu cu vn.
Trng hp khch hng c tn nhim (c chm im mc tt nht), khch hng l h gia nh sn xut nng,
lm, ng, dim nghip vay vn khng phi bo m bng ti sn, nu vn t c thp hn quy nh trn giao
cho gim c NHCV quyt nh.
b) Kinh doanh c hiu qu: c li; trng hp b l th phi c phng n kh thi khc phc l m bo tr n
trong thi hn cam kt.
i vi khch hng vay vn phc v nhu cu i sng, phi c ngun thu n nh tr n ngn hng.
c) Khng c n kh i hoc n qu hn trn 6 thng ti NH A.
d) Khch hng phi mua bo him ti sn y trong sut thi gian vay vn ca NHCV
2.5.2.4. C d n, phng n u t, sn xut, kinh doanh, dch v kh thi, c hiu qu; hoc c d n u t;
phng n phc v i sng km phng n tr n kh thi.
2.5.2.5. Thc hin cc quy nh v bo m tin vay theo quy nh ca Chnh ph, NHNN VN v hng dn ca
NH A .
Nu l h gia nh vay khng phi p dng bin php bo m cn c giy chng nhn quyn s dng t; nu
cha c cp phi c xc nhn ca UBND x, phng v din tch t ang s dng khng c tranh chp.
i vi khch hng l php nhn v c nhn nc ngoi
Phi c nng lc php lut dn s v nng lc hnh vi dn s theo quy nh php lut ca nc m php nhn
c quc tch hoc c nhn l cng dn, nu php lut nc ngoi c B lut Dn s ca nc CHXHCN
Vit Nam, cc vn bn php lut khc ca Vit Nam quy nh hoc c iu c quc t m CHXHCN Vit Nam
k kt hoc tham gia quy nh.
2.6 Phng thc cho vay

NH A p dng cc phng thc cho vay sau:
2.6.1.
2.6.2.
2.6.3.
2.6.4.
2.6.5.
2.6.6.
Cho vay tng ln (xem Ph lc 4A)

Cho vay theo hn mc tn dng (xem Ph lc 4B)
Cho vay theo d n u t (xem Ph lc 4C)
Cho vay tr gp (xem Ph lc 4D)
Cho vay thng qua nghip v pht hnh v s dng th tn dng (xem Ph lc 4E)
Cho vay theo hn mc tn dng d phng (xem Ph lc 4F)

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2.6.7.
2.6.8.
2.6.9.
2.6.10.
58
Cho vay hp vn (xem Ph lc 4G)

Cho vay theo hn mc thu chi (xem Ph lc 4H)
Cho vay lu v (xem Ph lc 4I)
Cho vay theo cc phng thc khc
Tu theo nhu cu ca khch hng v thc t pht sinh, NH A s xem xt cho vay theo cc phng thc khc ph
hp vi c im hot ng trong tng thi k v khng tri vi quy nh ca php lut.
2.7
Cn c xc nh mc tin cho vay
2.7.1. Cn c xc nh mc cho vay

- Nhu cu vay vn ca khch hng.
- Mc vn t c ca khch hng tham gia vo d n, phng n sn xut, kinh doanh, dch v, i sng (chi tit
nu ti 2.5.2.3.a)
- T l cho vay ti a so vi gi tr ti sn bo m tin vay theo quy nh v bo m tin vay ca NH A.
- Kh nng hon tr n ca khch hng vay.
- Kh nng ngun vn ca NH A nhng khng vt qu mc u quyn phn quyt cho vay ca Tng Gim c
hoc Gim c NHCV.
- Mc cho vay khng c bo m i vi h nng dn, hp tc x v ch trang tri phi m bo tun th theo
hng dn ca Chnh ph v NHNN VN ti tng thi k.
2.7.2. Gii hn tng d n cho vay i vi mt khch hng
Tng d n cho vay i vi mt khch hng khng vt qu 15% vn t c ca NH A ti thi im cho vay (tr
trng hp cho vay t cc ngun u thc ca Chnh ph, ca t chc v c nhn hoc nhng d n trnh v
c Chnh ph ng cho vay vt 15% vn t c ca NH A).
Hng qu v nm, Phng k hoch tng hp v Ban Ti chnh - k ton tnh ton xc nh chnh xc mc vn t
c, tham mu cho Tng Gim c NH A k thng bo mc vn t c cho cc phng, ban Trung tm iu hnh v
cc NHCV theo di thc hin. Trng hp khch hng c nhu cu vay vt 15% vn t c ca NH A, qua thm
nh d n hoc phng n vay vn thy m bo iu kin cho vay, Tng gim c NH A k trnh Thng c
NHNN VN v Th tng Chnh ph ph duyt.
2.8 Quy nh v tr n gc v li vay

Cc k hn tr n (gc v li) ca khon vay, gm c thi gian n hn, v s tin gc tr n cho mi k hn c
tha thun gia NH A v khch hng cn c vo:
- c im sn xut, kinh doanh, dch v.
- Kh nng ti chnh, thu nhp v ngun tr n ca khch hng
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Cc thng bo v khon n gc, li n hn c NHCV gi ti khch hng trc t nht 05 ngy.

Khch hng c kh nng c th tr n trc hn, s li phi tr ch tnh t ngy vay n ngy tr n v NH A
(Gim c S giao dch, chi nhnh cp I) c quyt nh v tha thun v iu kin, s ph (nu c) i vi s
tin vay tr n trc hn (cho thi gian cn li theo hp ng tn dng) nhng khng qu mc li v ph tha
thun trong hp ng tn dng.
NH A c th thu n trc k hn nu:
- Khch hng ng tr n trc hn
- Khch hng s dng vn sai mc ch
- Khch hng vi phm cc cam kt v qun l, s dng ti sn bo m tin vay c NH A giao cho
qun l.
Li tin vay c tnh theo s ngy thc t nhn n v s d n ca khon vay.
Khi n k hn tr n gc hoc li (bao gm c cc k tr n c th tha thun trong hp ng tn dng), nu
khch hng khng tr n ng hn v khng c iu chnh k hn n gc hoc li hoc khng c gia hn n
gc hoc li th NH A c quyn ch ng trch ti khon tin gi ca khch hng thu n hoc chuyn ton b
d n gc sang n qu hn v thng bo cho khch hng bit (Xem Mc 2.9. iu chnh k hn tr n / Chuyn n
qu hn)
2.9 iu chnh k hn tr n / chuyn n qu hn

2.9.1 n k hn tr n gc trong thi hn cho vay tha thun trong hp ng tn dng, nu khch hng khng
tr ng hn s n gc phi tr ca k hn , NHCV s:
- iu chnh k hn hoc gia hn n theo yu cu (bng vn bn) ca khch hng; hoc
- Chuyn ton b s d n gc thc t cn li ca hp ng tn dng sang n qu hn.
2.9.2 Trng hp khch hng ngh gia hn n qu cc thi hn quy nh trn do nguyn nhn khch quan, Gim
c NHCV xem xt kh nng v thi hn tr n ca khch hng c vn bn trnh Tng Gim c NH A xem
xt, quyt nh
2.9.3 Trng hp khch hng khng tr ht n li hoc khng tr n li ng k hn tha thun trong hp ng
tn dng, NHCV s
- iu chnh hoc gia hn n li theo yu cu bng vn bn ca khch hng; hoc
- Chuyn ton b s d n gc thc t cn li ca hp ng tn dng sang n qu hn.
2.9.4 n thi im cui cng ca thi hn cho vay tha thun trong hp ng tn dng, nu khch hng khng
tr ht s n gc hoc n li phi tr ng hn, NHCV s:
- Gia hn n gc hoc gia hn n li th theo yu cu (bng vn bn) ca khch hng; hoc
- Chuyn ton b d n gc thc t cn li ca hp ng tn dng sang n qu hn.
2.9.5 Thi hn cho gia hn n (gc v/hoc li) i vi khon vay ngn hn ti a bng 12 thng.
Thi hn cho gia hn n (gc v/hoc li) i vi khon vay trung hn ti a bng thi hn cho vay
tha thun trong hp ng tn dng.

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2.9.6 i vi trng hp khch hng c kh nng chm tr li vn vay mt s ngy lm vic so vi k hn tr li

tha thun, NHCV cn thc hin cc bin php: ch ng n c khch hng vay tr n li ng hn;
tha thun vi khch hng nh k thu li ph hp vi chu k sn xut, kinh doanh; hoc c th tha thun
trong hp ng tn dng v vic qu mt s ngy lm vic nht nh so vi k hn tr li m khch hng vay
khng tr v khng c vn bn ngh gia hn n th NHCV chuyn n gc khon vay sang n qu hn.
2.10 Cn c xc nh li sut cho vay, li sut u i, li sut qu hn

2.10.1. NHCV cng b biu li sut cho vay ca mnh cho khch hng bit.
2.10.2. NHCV v khch hng tha thun, ghi vo hp ng tn dng mc li sut cho vay trong hn v mc li
sut p dng i vi n qu hn:
- Mc li sut cho vay trong hn c tha thun ph hp vi quy nh ca NHNN v quy nh ca
NHCV v li sut cho vay ti thi im k hp ng tn dng.
- Mc li sut p dng i vi khon n gc qu hn do Gim c NHCV quyt nh theo nguyn tc
cao hn li sut trong hn nhng khng vt qu 150% li sut cho vay trong hn c k kt hoc
iu chnh trong hp ng tn dng.
- i vi d n qu hn chuyn theo trng hp 2.8.1. v 2.8.3 ch p dng li sut n qu hn i vi
phn d n gc ca k hn m khch hng khng tr ng hn; i vi phn d n gc cha n k hn
tr n nhng phi chuyn n qu hn th NHCV p dng li sut cho vay trong hn tha thun trc
trong hp ng tn dng.
- i vi d n qu hn chuyn theo trng hp 2.8.4. th p dng li sut n qu hn i vi ton b s
d n gc chuyn n qu hn.
2.11 Cn c xc nh thi hn v th loi cho vay
2.11.1. Thi hn
NHCV v khch hng tha thun thi hn cho vay cn c vo chu k sn xut kinh doanh, thi hn thu hi vn
ca phng n/d n u t, kh nng tr n ca khch hng v ngun vn cho vay ca NHCV. i vi cc php
nhn Vit Nam v nc ngoi, thi hn cho vay khng qu thi hn hot ng cn li theo quyt nh thnh lp
hoc giy php hot ng ti Vit Nam; i vi c nhn nc ngoi, thi hn cho vay khng vt qu thi hn
c php sinh sng, hot ng ti Vit Nam.
2.11.2. Th loi
- Cho vay ngn hn l cc khon vay c thi hn cho vay n 12 thng.
- Cho vay trung hn l cc khon vay c thi hn cho vay t trn 12 thng n 60 thng.
- Cho vay di hn l cc khon vay c thi hn cho vay t trn 60 thng tr ln.

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2.12 ng tin cho vay v thu n

-
NH A cho vay bng VN v cc ngoi t mnh gm USD, EURO, GBP, v JPY. Cc loi ngoi t khu vc
bin gii: Nhn dn t Trung quc, Kp Lo, Rin Campuchia thc hin cho vay theo quy nh ca NHNN VN
v hng dn ca Tng Gim c NH A .
NH A khng trc tip pht tin vay ngoi t bng tin mt cho khch hng vay m chuyn tr thng cho nh
cung cp hng ha, dch v. Trong trng hp chuyn tr nc ngoi s thc hin theo phng thc thanh ton
quc t hin hnh trong h thng NH A. Trng hp chuyn cho NHTM khc thc hin thanh ton quc t
phi c s chp thun bng vn bn ca Tng Gim c NH A .
Khch hng vay bng ngoi t no phi tr n gc v li bng ngoi t . Trng hp tr bng ngoi t khc
hoc bng VND phi c s chp thun ca NH A v phi chuyn i theo t gi quy nh ca NH A ti thi
im tr n, ph hp vi cn i ngoi t v li ch kinh doanh ca NH A, quy nh v qun l ngoi hi ca
Chnh ph v hng dn ca NHNN VN.
Loi tin nhn n phi ph hp vi loi tin c xc nh trn hp ng tn dng.
2.13 Quy nh qun l ngoi hi ca nh nc v cho vay bng ngoi t i vi khch hng vay l ngi c
tr
NH A cho vay vn bng ngoi t i vi khch hng vay l ngi c tr p ng cc nhu cu vn sau:
-
thanh ton cho nc ngoi tin nhp khu hng ha, dch v phc v hot ng sn xut kinh doanh.
H s cho vay phi b sung bn sao c xc nhn sao y bn chnh Hp ng nhp khu, vn bn cho php nhp
khu ca B Thng mi hoc c quan qun l chuyn ngnh (i vi ngnh hng nhp khu c iu kin),
giy chng nhn ng k kinh doanh v giy chng nhn ng k m s xut nhp khu (i vi khch hng
giao dch ln u).
thc hin cc d n u t, phng n sn xut, kinh doanh hng ha v dch v xut khu; thc hin cc
d n u t, phng n sn xut, kinh doanh c ngun thu ngoi t trn lnh th Vit Nam.
H s cho vay phi b sung bn sao c xc nhn sao y bn chnh vn bn quyt nh ca Chnh ph cho php
d n c vay bng ngoi t (nu l d n u t theo quyt nh ca Chnh ph); bn sao c xc nhn sao y
bn chnh hp ng xut khu hoc thu mua, ch bin, gia cng, sn xut, mua bn hng xut khu.
Chit khu b chng t xut khu.
Cho vay i vi ngi lao ng i lm vic c thi hn nc ngoi theo quy nh ca NHNN VN.
thc hin cc d n u t theo quyt nh ca Th tng Chnh ph.
tr n nc ngoi trc hn, nu khon vay c cc iu kin sau:
+ D n u t, phng n sn xut, kinh doanh s dng khon vay nc ngoi c hiu qu;
+ Doanh nghip c kh nng tr n gc v li vn vay bng ngoi t;
+ Tit kim c chi ph vay vn so vi vic vay vn nc ngoi.

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Cc nhu cu vay vn ngn hn sn xut, kinh doanh m khch hng vay khng c ngun thu ngoi t, nu
c NH A hoc t chc tn dng khc cam kt bng vn bn bn ngoi t hoc c hp ng mua ngoi t k
hn tr n vay.
- i vi cc nhu cu vn nm ngoi quy nh nh trn, cn b tn dng phi trnh Tng gim c NHNo &
PTNT bo co Thng c NHNN VN xin chp thun trc bng vn bn.
Nu khch hng vay bng ngoi t s dng trong nc th khch hng phi bn s ngoi t cho NH A.
2.14 Quyn v ngha v ca ngi vay v ngi cho vay
2.14.1. Quyn v ngha v ca ngi vay
Ngi vay c quyn:
- T chi cc yu cu ca NH A khng ng vi tha thun trong Hp ng tn dng.
- Khiu ni, khi kin hoc yu cu bi thng thit hi nu NH A khng thc hin y cc ngha v ghi
trong Hp ng tn dng.
Ngi vay c ngha v:
- Cung cp y , trung thc thng tin, ti liu lin quan n vic vay vn cho NH A v chu trch nhim v
tnh chnh xc ca cc thng tin, ti liu cung cp.
- S dng tin vay ng mc ch v thc hin y cc ni dung khc tha thun trong Hp ng tn dng
v cc cam kt khc lin quan.
- Tr n gc, li vay v cc loi ph khc (nu c) y v ng k hn nh tha thun trong Hp ng tn
dng.
- Chu trch nhim trc php lut nu vi phm cc iu khon c tha thun trong Hp ng tn dng
2.14.2. Quyn v ngha v ca NH A
NH A c quyn:
- Yu cu ngi vay cung cp ti liu chng minh d n u t, phng n sn xut, kinh doanh, dch v hoc
d n u t, phng n phc v i sng kh thi, kh nng ti chnh ca khch hng v ngi bo lnh trc
khi quyt nh cho vay.
- T chi yu cu vay vn ca khch hng nu khch hng khng c iu kin vay vn, d n / phng n
vay vn khng c hiu qu, khng ph hp vi quy nh ca php lut v NH A khng c ngun cho
vay.
- Kim tra, gim st qu trnh vay vn, s dng vn vay v tr n ca khch hng.
- Chm dt cho vay, thu hi n trc hn nu pht hin khch hng cung cp thng tin sai s tht, vi phm Hp
ng tn dng hoc c du hiu khng an ton vn vay.
- Khi kin khch hng vi phm Hp ng tn dng hoc ngi bo lnh ca khch hng theo quy nh ca php
lut.

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Khi ngi vay khng c kh nng tr n n hn v nu cc bn khng c tha thun no khc th NH A c

quyn x l ti sn bo m tin vay theo tha thun trong Hp ng tn dng v hp ng bo m tin vay
thu hi n hoc yu cu ngi bo lnh thc hin ngha v bo lnh i vi trng hp khch hng c
bo lnh vay vn.
Min, gim li tin vay, gim ph, iu chnh k hn n, gia hn n, mua bn n theo quy nh ca NHNN VN,
NH A v thc hin vic o n, khoanh n, xa n theo quy nh ca Chnh ph v hng dn ca NHNN VN.
X l gia hn, gin n, khoanh n, xa n ph hp quy nh ca Chnh ph, NHNN VN.
NH A c ngha v:
- Thc hin ng tha thun trong hp ng tn dng
- Lu gi nhng h s tn dng v ti liu lin quan ph hp vi quy nh ca php lut.
2.15 Chnh sch u i khch hng
-
NH A ch cho vay vi nhng iu kin u i khi c Chnh ph, NHNN VN cho php/ch nh.
Trong nhng trng hp cho vay theo ch nh ca Chnh ph, nu c pht sinh nhng ri ro v li sut, v kh
nng thu hi n gc, s c Chnh ph xem xt x l theo nhng quy nh ph hp.
Cc khon cho vay theo ch nh ca Chnh ph, NH A vn phi kim tra, thm nh trc khi quyt nh cho
vay. Nu c mt khon vay no xt thy khng iu kin, khng kh thi, NH A c quyn t chi cho vay
v thng bo cho c quan nh nc c lin quan.
2.16 Chnh sch cnh tranh / marketing

NH A thc hin qung b cc chnh sch tn dng v iu kin vay vn nhm mc ch gip ngi vay hiu v
thc hin ng, gim st vic trin khai thc hin ca cn b Ngn hng, thng tin tr li cho NH A nhng xut,
kin ngh cn chnh sa, hon thin cc chnh sch, iu kin .
Cc phng php qung b:
- Thng qua cc c quan bo ch, i truyn hnh, i pht thanh
- Thng qua cc hi ngh khch hng
- Thng qua cc t ri
- Thng qua cc bng hiu, bin hiu, hng dn ti tr s giao dch
- Thng qua cc cuc hp t vay vn
- Thng qua vic tuyn truyn, ph bin trc tip ca cn b ngn hng (Phng t vn v hng dn khch hng)
- Thng qua cc th thm d chn mu
2.17 Cho vay theo cc mc ch v i tng c bit

2.17.1. Cho vay i vi h gia nh, c nhn sn xut nng, lm, ng, dim nghip
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thng qua t vay vn (xem Ph lc 4K)

2.17.2. Cho vay i vi h gia nh, c nhn sn xut nng, lm, ng, dim nghip thng qua doanh nghip (xem
Ph lc 4L)
2.17.3. Cho vay u i v cho vay u t xy dng theo k hoch nh nc (xem Ph lc 4M)
2.17.4. Cho vay u thc (xem Ph lc 4N)
2.17.5. Cho vay pht trin ging thu sn (theo Hng dn c th ca NH A ti tng thi k - Ph lc 1A Danh
mc vn bn php l)
2.17.6. Cho vay c s h tng (theo Hng dn c th ca NH A ti tng thi k - Ph lc 1A Danh mc vn bn
php l)
2.17.7. Cho vay i vi cy ch (theo Hng dn c th ca NH A ti tng thi k - Ph lc 1A Danh mc vn
bn php l)
2.17.8. Cho vay kinh t trang tri (theo Hng dn c th ca NH A ti tng thi k - Ph lc 1A Danh mc vn
bn php l)
3. B sung, sa i chnh sch tn dng trong tng thi k
Chnh sch tn dng ca NH A c b sung sa i khi thc t pht sinh yu cu, ph hp vi s thay i v
chin lc khch hng v ngnh hng ca NH A. Mi sa i, b sung v chnh sch tn dng ca NH A do HQT
v Tng Gim c NH A thng qua v quyt nh, c lm thnh vn bn v ph bin ti tt c cc chi nhnh /
S giao dch trong h thng NH A.

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4.
Ph lc
PH LC 4A.
DANH MC VN BN PHP L
Phng thc cho vay tng ln l phng thc cho vay m mi ln vay vn, khch hng v NH A u lm th tc
vay vn cn thit v k kt hp ng tn dng.
1. i tng p dng
- Khch hng c nhu cu vay vn khng thng xuyn
- Cho vay vn lu ng, cho vay b p thiu ht ti chnh tm thi, cho vay bc cu, cho vay h tr trin
khai cc ti nghin cu khoa hc, cng ngh, cho vay tiu dng trong dn c (thi gian cho vay di 12
thng).
2. Xc nh s tin cho vay
S tin cho vay = Tng nhu cu vn ca d n hoc phng n - vn ch s hu hoc vn t c - vn khc (nu
c).
3. Mi hp ng tn dng c th pht tin vay mt hoc nhiu ln ph hp vi tin v yu cu s dng vn
thc t ca khch hng. Mi ln nhn tin vay khch hng phi lp Giy nhn n. Trn giy nhn n phi ghi
thi hn cho vay c th, m bo khng vt so vi thi hn cho vay ghi trn hp ng tn dng. Tng s tin
cho vay trn cc giy nhn n khng c vt qu s tin k trong hp ng tn dng.

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PH LC 4B.
PHNG THC CHO VAY THEO HN MC TN DNG
Phng thc cho vay theo hn mc tn dng l phng thc cho vay m NH A v khch hng xc nh v tha
thun mt hn mc tn dng duy tr trong mt khong thi gian nht nh.
1. i tng p dng
- Khch hng c nhu cu vay vn thng xuyn.
- Khch hng vay c c im sn xut kinh doanh, lun chuyn vn khng ph hp vi phng thc cho vay
tng ln.
2. Xc nh thi hn cho vay
- Cn c vo chu k sn xut kinh doanh, kh nng tr n ca khch hng xc nh thi hn cho vay v ghi
vo hp ng tn dng v tng giy nhn n.
- Trong thi hn duy tr hn mc tn dng, khch hng c rt vn ph hp vi tin v yu cu s dng vn
thc t nhng phi m bo khng c vt qu hn mc tn dng k kt. Mi ln rt vn vay, khch hng
phi lp giy nhn n vi ngn hng, km theo: bng k cc chng t s dng tin vay v cc giy t lin quan
n s dng tin vay. NH A kim tra cc ti liu trn m bo ph hp vi ni dung s dng vn vay theo cc
iu khon ghi trong hp ng tn dng v k vo giy nhn n ca khch hng.
3. Tng hn mc tn dng
Trong thi hn duy tr hn mc tn dng, khch hng c nhu cu iu chnh tng hn mc tn dng p ng nhu
cu sn xut kinh doanh dch v, phi c vn bn ngh v NH A xem xt, nu thy hp l th chp thun iu
chnh hn mc tn dng v cng khch hng k ph lc b sung hp ng tn dng.
4. K kt hp ng tn dng mi
- Trc 10 ngy khi hn mc tn dng c ht hiu lc, khch hng vay vn gi n NH A cc giy t sau:
Giy ngh vay vn
Bo co v tnh hnh sn xut, kinh doanh, kh nng ti chnh
Phng n sn xut, kinh doanh k tip theo
- Cn c vo h s vay vn ca khch hng, NH A thm nh quyt nh cho vay tip v k kt hp ng tn
dng theo hn mc tn dng mi khi kt thc thi hn duy tr hn mc tn dng c.
- Hn mc tn dng mi bao gm c d n thc t ca hp ng tn dng c chuyn sang (nu c). Trong trng
hp hn mc tn dng mi thp hn s d n thc t ca hp ng tn dng c chuyn sang th khch hng v
ngn hng phi xc nh thi hn gim thp d n c theo hn mc tn dng mi v ghi vo hp ng tn dng.
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Thi hn gim thp d n c khng c vt qu mt chu k sn xut kinh doanh ca i tng vay vn. Khi
khch hng gim d n thp hn hn mc tn dng hin ti th mi c vay tip theo Hp ng tn dng mi.

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PH LC 4C.
PHNG THC CHO VAY THEO D N U T
1. i tng p dng
Cho vay vn khch hng thc hin cc d n u t pht trin sn xut, kinh doanh, dch v v phc v i
sng.
NH A ni cho vay cng khch hng k hp ng tn dng v tha thun mc vn u t duy tr cho c thi gian
u t ca d n, phn nh cc k hn tr n. Ngun vn cho vay c gii ngn theo tin thc hin d n.
2. Xc nh s tin cho vay
S tin cho vay = Tng mc u t ca d n - Vn ch s hu hoc vn t c tham gia - Ngun vn huy ng
khc
3. Cn c pht tin vay
- Hp ng tn dng
- Hp ng v chng t cung ng vt t, thit b, cng ngh, dch v,
- Bin bn xc nhn gi tr khi lng cng trnh hon thnh ( c nghim thu tng hng mc hoc ton b
cng trnh) hoc cc vn bn xc nhn tin thc hin d n.
Mi ln nhn tin vay khch hng phi k giy nhn n.
4. Trong trng hp thi gian cha vay c vn ngn hng, khch hng dng ngun vn huy ng tm thi
khc chi ph theo d n c duyt th NH A c th xem xt cho vay b p ngun vn trn c s phi
c chng t php l chng minh r ngun vn s dng trc.
5. Trng hp ht thi gian gii ngn theo lch tha thun ban u m khch hng cha s dng ht mc vn
vay ghi trong hp ng tn dng, nu khch hng ngh th NHNo& PTNT VN xem xt c th tha thun v
k kt b sung hp ng tn dng tip tc pht tin vay ph hp vi tin thi cng c th.
6. NH A v khch hng tha thun trong hp ng tn dng mc ph cam kt s dng tin vay trong trng hp
khch hng khng s dng ht mc vn vay tha thun.
7. Xc nh thi gian n hn v nh k hn tr n
7.1. Thi gian n hn
NH A c th tha thun vi khch hng v thi gian n hn ca d n u t. Trng hp trong qu trnh thc hin
XDCB ca d n v nguyn nhn khch quan khch hng khng th thc hin ng thi gian n hn tha thun,
NH A c th xem xt v iu chnh thi gian n hn ph hp vi tnh hnh thc t.

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7.2. nh k hn tr n
7.2.1. Khch hng rt ht vn trong thi gian n hn:
Cn c vo s tin khch hng nhn n, ngy bt u nhn n v cc iu khon tha thun trong Hp ng
tn dng, NH A k ph lc hp ng tn dng xc nh lch tr n chi tit cho s tin vay rt, c th: thi gian
ca 1 k hn tr n, s k hn tr n, s tin phi tr ca tng k hn n.
7.2.2. Thi gian n hn ht nhng khch hng cha rt ht vn:
Ngay sau khi ht thi gian n hn, cn c vo s tin khch hng nhn n, ngy bt u nhn n, tin thc
hin d n v cc iu khon tha thun trong hp ng tn dng, NH A k ph lc Hp ng tn dng xc nh
lch tr n chi tit cho s tin vay rt, c th: thi gian ca 1 k hn tr n, s k hn tr n, s tin phi tr ca
tng k hn n.
Khi khch hng tip tc rt ht vn, cn c vo s tin nhn n tip theo, NH A phn b cho cc k hn tr n cn
li v k ph lc hp ng tn dng sa i lch tr n chi tit cho phn d n hin c v cc k hn cn phi tr
n.

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PH LC 4D.
PHNG THC CHO VAY TR GP
Phng thc cho vay tr gp l phng thc cho vay m NH A v khch hng xc nh v tha thun s tin li
vay phi tr cng vi s n gc c chia ra tr n theo nhiu k hn trong thi hn cho vay. Hp ng tn
dng phi ghi r: cc k hn tr n, s tin tr n mi k hn gm c gc v li.
1. i tng p dng
Khch hng vay c phng n tr n gc v li vay kh thi bng cc khon thu nhp chc chn, n nh.
2. Cch tnh s tin gc v li phi tr cho mi k hn
Phng php 1:
i) Cch tnh s tin phi tr n ca mt k hn:
Vi s tin vay l K, li sut i, s k hn tr n l n, a l mc phi tr tng k hn, ta c:
Ki
a=
1 (1 + i ) n
ii) Cch tnh li phi tr ca mt k hn n:
Li phi tr ca mt k hn n (b) = D n u k x LSCV theo ng s ngy 1 K/30
(iii) Cch tnh gc phi tr ca mt k hn n - Li phi tr trong k = a - b
Phng php 2:
(i) Cch tnh s tin gc phi tr tng k hn:
Vi s tin vay ban u l K, i l li sut cho vay theo thng, s k hn tr n l n, a l s tin gc phi tr tng k
hn, ta c:
K
n
(ii) Cch tnh li phi tr ca tng thi k hn n:
S li phi tr k = D n u k (Kn) * Li sut thng * S ngy tng k/30
Trong : S d u k ca k tnh li Kn a(n-1)
a=
PH LC 4E.
PHNG THC CHO VAY THNG QUA
NGHIP V PHT HNH V S DNG TH TN DNG
NH A chp nhn cho khch hng c s dng s vn vay trong phm vi hn mc tn dng thanh ton tin mua
hng ha, dch v v rt tin mt ti my rt tin t ng hoc im ng tin mt i l ca NH A .

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NH A s c quy nh v hng dn c th vic pht hnh th tn dng, quy nh s dng th tn dng, thanh ton
n v li khi th tn dng n hn, x l vi phm v s dng th tn dng v thanh ton n v li khng ng hn
i vi khch hng.
PH LC 4F.
PHNG THC CHO VAY THEO HN MC TN DNG D PHNG
1. NH A cam kt m bo sn sng cho khch hng vay vn trong phm vi hn mc tn dng nht nh u t
cho d n.
2. Ngoi vic thc hin cc quy nh nh phng thc cho vay theo d n u t, NH A v khch hng tha
thun nhng ni dung sau:
- Thi hn hiu lc ca hn mc tn dng d phng
- Ph cam kt rt vn vay cho hn mc tn dng d phng: trong thi gian hiu lc ca hp ng, nu khch
hng khng s dng hoc s dng khng ht hn mc tn dng d phng, khch hng vn phi tr ph cam kt
tnh cho hn mc tn dng d phng . Mc ph cam kt nm trong biu ph do Tng Gim c NH A quy
nh tng thi k.
3. Hn mc tn dng, thi hn hiu lc ca hn mc tn dng d phng v mc ph cho hn mc tn dng d
phng c ghi trong hp ng tn dng. Cn c vo , NH A thng bo vi khch hng hn mc tn dng d
phng c m. Mi ln rt tin vay trong hn mc tn dng d phng, khch hng lp giy nhn n km theo
cc chng t cn thit gi NH A.
4. Chi nhnh c nhu cu m hn mc tn dng d phng cho khch hng phi trnh Tng Gim c NH A xem
xt quyt nh.
PH LC 4G.
PHNG THC CHO VAY HP VN (NG TI TR)
Phng thc cho vay ng ti tr l phng thc cho vay m NH A cng cho vay trong mt nhm cc TCTD i
vi mt d n hoc phng n vay vn ca khch hng, trong NH A hoc mt TCTD ng ra lm u mi dn
xp, phi hp vi cc TCTD khc.
Vic cho vay hp vn c thc hin theo quy ch ng ti tr ca NHNN v hng dn ca NH A (xem Ph lc
1A Danh mc vn bn php l).
PH LC 4H.
PHNG THC CHO VAY THEO HN MC THU CHI

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NH A tha thun bng vn bn cho php khch hng chi vt s tin c trn ti khon thanh ton ca khch hng
ph hp vi cc quy nh ca Chnh ph v NHNN VN v hot ng thanh ton qua cc t chc cung ng dch v
thanh ton.
PH LC 4I.
PHNG THC CHO VAY LU V
1. i tng p dng
H gia nh, c nhn vng chuyn canh trng la v cc vng xen canh trng la vi cc cy trng ngn hn
khc.
2. iu kin
H gia nh v c nhn c xt cho vay lu v khi m bo cc iu kin sau:
- Phi c 2 v lin k
- D n, phng n ang vay c hiu qu.
- Tr s li cn n ca hp ng tn dng trc.
3. Mc cho vay
Ti a bng mc d n thc t ca hp ng tn dng trc.
4. Thi hn lu v
- Khng qu thi hn ca mt v k tip
a) Li sut cho vay: Li sut c p dng theo quy nh ca Tng Gim c NH A ti thi im lu v.
b) H s vay vn:
H gia nh, c nhn c nhu cu vay lu v, trc ngy n hn tr cui cng ca hp ng tn dng lm giy
ngh vay lu v, cc th tc khc khng phi lp li.
Trong cc trng hp: li sut cho vay, thi hn cho vay, mc cho vay lu v c thay i so vi hp ng tn
dng, NH A ni cho vay cng vi khch hng thc hin vic b sung hoc iu chnh hp ng tn dng.
PH LC 4K.
CHO VAY LU V I VI H GIA NH, C NHN
SN XUT NNG, LM NG, DIM NGHIP THNG QUA T VAY VN
1. i tng p dng
H gia nh, c nhn vay vn trong h thng NH A sn xut, kinh doanh dch v trong lnh vc nng-lmng-dim nghip, m mang ngnh ngh to cng n vic lm thng qua t vay vn do cc t chc sau thnh
lp:
- Hi nng dn
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- Hi lin hip ph n
- on Thanh nin cng sn H Ch Minh.
- Hi cu chin binh.
- Cc t chc chnh tr - x hi, t chc ngh nghip khc.
2. in kin vay vn
H gia nh, c nhn vay thng qua t vay vn phi tham gia cc t vay vn ca mt trong cc t chc nu
mc 1 v thc hin quy c hot ng ca t vay vn.
3. Danh mc b h s cho vay
a) H s php l:
- H s thnh lp t vay vn:
+
n xin gia nhp t vay vn (mu 16/CV ban hnh km theo Vn bn 749/NHNo-06 ngy
29/03/2001).
Bin bn hp t vay vn (mu s 17A/CV ban hnh km theo Vn bn 749/NHNo-06 ngy

29/03/2001)
Danh sch ban lnh o v cc thnh vin t vay vn (mu s 17B/CV ban hnh km theo Vn bn
749/NHNo-06 ngy 29/03/2001)
Quy c hot ng ca t vay vn (mu 18/CV ban hnh km theo Vn bn 749/NHNo-06 ngy
29/03/2001).
- Giy chng nhn quyn s dng t (s ) hoc xc nhn ca UBND x (phng) v din tch t s dng
khng c tranh chp v cha c cp s hoc xc nhn ca gim c doanh nghip v din tch t giao
cho h nhn khon.
- Giy php kinh doanh, dch v c cp c thm quyn cp (i vi cc ngnh ngh theo quy nh ca
php lut bt buc phi c giy php kinh doanh, dch v mi c hnh ngh)
b) H s vay vn
i vi t vin vay vn n 10 triu ng:
- Giy ngh vay vn dng cho h khng thc hin m bo bng ti sn (mu s 01A/CV ban hnh km
theo Quyt nh 06/Q-HQT ngy 18/01/2001)
- Hp ng tn dng hoc S vay vn: Tu theo tng tnh hnh a phng, Gim c chi nhnh NHNo c s
c th la chn vic k kt hp ng tn dng vi t trng t vay vn (mu 20A/CV ban hnh km theo
Vn bn 749/NHNo-06 ngy 29/03/2001) km theo danh sch nhn n ca tng t vin (ph lc hp ng mu 20B/CV ban hnh km theo Vn bn 749/NHNo-06 ngy 29/03/2001) hoc k hp ng tn dng trc
tip n tng t vin (lp s vay vn).
- Hp ng dch v (mu 21/CV ban hnh km theo Vn bn 749/NHNo-06 ngy 29/03/2001)
- Cc loi thng bo theo quy nh hin hnh.
i vi t vin vay vn trn 10 triu khng phi thc hin m bo tin vay
Thc hin theo iu 25 Quyt nh 167/HDQT-03 ngy 07/9/2000 ca HQT v vn bn s 3202/NHNo-05 ngy
18/12/2000 ca Tng gim c.
+

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i vi t vin vay vn phi thc hin bo m tin vay, h s vay vn gm c:

- Giy ngh vay vn dng cho h gia nh, c nhn, t hp tc thc hin vay vn c bo m bng ti sn
(mu s 01B/CV ban hnh km theo Quyt nh 06/Q-HQT ngy 18/01/2001)
- Phng n, d n sn xut kinh doanh.
- Bo co thm nh (mu s 02A/CV ban hnh km theo Quyt nh 06/Q-HQT ngy 18/01/2001).
- Hp ng bo m tin vay.
- Hp ng tn dng dng cho H gia nh, c nhn thc hin tn chp, cm c, bo lnh (mu s 04A/CV
ban hnh km theo Quyt nh 06/Q-HQT ngy 18/01/2001).
- Cc loi thng bo theo quy nh hin hnh.
4. Trnh t thnh lp t vay vn

- Thng nht danh sch t vin, bu lnh o t sau khi c n ca cc t vin.
- Thng qua quy c hot ng
- Trnh u ban nhn dn x (phng) cng nhn cho php hot ng.
5. Trch nhim v quyn li ca t trng t vay vn
- Nhn giy ngh vay vn ca t vin
- Lp danh sch t vin ngh ngn hng cho vay.
- Kim tra, gim st, n c t vin s dng vn ng mc ch, tr n, tr li ng hn.
- c NH A ni cho vay chi tr hoa hng cn c kt qu cng vic hon thnh v theo hng dn v chi
hoa hng ca NH A
6. Trch nhim ca NH A ni cho vay
- Hng dn lp th tc vay v tr n.
- Thm nh cc iu kin vay vn.
- Thc hin gii ngn, thu n, thu li n tng t vin.
- Kim tra in hnh vic s dng vn vay ca t vin.
7. Th tc vay
- T vin gi cho t trng giy ngh vay vn v cc giy t khc theo quy nh.
- T trng nhn h s ca t vin, t chc hp bnh xt iu kin vay vn, sau tng hp danh sch t
vin c iu kin vay vn, ngh ngn hng xt cho vay.
- Tng t vin k hp ng tn dng trc tip vi NH A ni cho vay.

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PH LC 4L.
CHO VAY I VI H GIA NH, C NHN SN XUT
NNG, LM, NG, DIM NGHIP THNG QUA DOANH NGHIP
1. i tng p dng
i tng thc hin l cc h gia nh, c nhn nhn khon ca cc doanh nghip thc hin giao khon.
2. H gia nh, c nhn vay trc tip thng qua doanh nghip
- Vn vay phi trc tip ti h gia nh, c nhn cn vn sn xut kinh doanh.
- NHCV k hp ng vi doanh nghip lm dch v vay vn cho h gia nh, c nhn trong c ni dung:
+ Trch nhim v quyn li ca doanh nghip: tng t trch nhim v quyn li ca t trng t vay
vn
+ Trch nhim ca NH A ni cho vay: nh nu ti mc 6 Ph lc 4K.
+ Th tc vay: tng t th tc cho vay qua t vay vn
3. Doanh nghip vay trc tip chuyn ti vn cho h gia nh, c nhn nhn khon
- Doanh nghip phi c iu kin vay vn theo quy nh ti iu 2.4 chng ny.
- Doanh nghip vay trc tip v c trch nhim tr n NH A.
- Doanh nghip phi c hp ng cung ng vt t, tin vn, tiu th sn phm cho h gia nh, c nhn nhn
khon.
4. Cho h gia nh, c nhn vay thng qua cc TCTD nng thn
Chi nhnh c nhu cu cho vay phi lp n trnh Tng Gim c NH A ph duyt.
PH LC 4M.
CHO VAY U I V CHO VAY
U T XY DNG THEO K HOCH NH NC
1. Cho vay cc d n u t thuc tn dng u t pht trin ca Nh nc c thc hin theo quy nh ca php
lut v tn dng u t pht trin ca Nh nc.
2. Cc khon chnh lch li sut v tn tht pht sinh do nguyn nhn khch quan t nhng khon cho vay theo
ch nh ca Chnh ph i vi khch hng thuc i tng u i, cho vay u t xy dng theo k hoch Nh
nc s c x l theo quy nh ca Chnh ph, hng dn ca NHNN VN v ca cc B, Ngnh lin quan.
3. Trc khi cho vay u i v cho vay u t xy dng theo k hoch Nh nc, phi tin hnh thm nh hiu
qu ca d n hoc phng n vay vn, nu xt thy khng c hiu qu, khng c kh nng hon tr n vay c
gc v li th trnh Tng Gim c NH A bo co vi c quan Nh nc c thm quyn hoc nu cn thit
phi bo co vi Th tng Chnh ph xem xt quyt nh.

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PH LC 4N.
CHO VAY THEO U THC
1. Vic cho vay theo u thc ca Chnh ph, ca t chc, c nhn trong nc v ngoi nc c thc hin theo
hp ng nhn u thc cho vay k kt vi c quan i din ca Chnh ph, ca t chc, c nhn trong
nc v ngoi nc. Vic cho vay theo u thc phi ph hp vi quy nh hin hnh ca php lut c lin quan
n hot ng tn dng ngn hng.
2. Khi cho vay theo u thc, NH A c hng ph u thc v cc khon hng li khc tha thun trong hp
ng nhn u thc cho vay ph hp thng l quc t v m bo b p chi ph, ri ro v c li.

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PH LC 4P. MU S 04C/CV - GIY NHN N

CNG HA X HI CH NGHA VIT NAM
c lp - T do - Hnh phc
-----------*----------.........ngy...........thng..........nm.....
(Do khch hng cng ngn hng lp)
GIY NHN N
(Dng trong trng hp hp ng
tn dng c pht tin vay t 2 ln tr ln)
Cn c hp ng tn dng s: ..................ngy..............thng........nm 200...... k gia chi nhnh NHNo &
PTNT..................v .................................
Hm nay, ngy..............thng........nm 200......ti chi nhnh NHNo & PTNT
Tn ngi vay: .....................................................................................................
ng (B):......................................................................................................
Chc v: ...................................................................
CMND s:..................ngy cp................................ni cp: .........................
Theo giy u quyn (nu c) s: .........ngy ................thng............nm ...........
Hn mc tn dng: ...................................................................................................
D n trc ngy nhn n ln ny:...................................................................
S tin nhn n ln ny ( ngh vay ln ny):......................................................
Bng ch:............................................................................................................
Tng d n sau ln nhn n:.......................................................
Mc ch s dng tin vay: ..........................................................................
Hn tr n cui cng ..........................................................................
Li sut:.........................% thng, li sut n qu hn: .............................% thng
CHI NHNH NHNo & PTNT...................
NGI VAY
(K, ghi r h tn, ng
du)
CN B TN DNG
(K, ghi r h tn)
TRNG PHNG
TN DNG
GIM C
(K tn, ng du)
(K, ghi r h tn)

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CNG HO X HI CH NGHA VIT NAM
c lp - T do - Hnh phc
-----------*----------........ngy.......thng......nm 200.....
(Do khch hng cng ngn hng lp)
GIY NHN N
(Cho vay h gia nh, c nhn theo hn mc tn dng)
Cn c hp ng tn dng s: ..................ngy..............thng........nm 200...... k gia chi nhnh NHNo & PTNT................v
..............................
Hm nay, ngy..............thng........nm 200......ti chi nhnh NHNo & PTNT.................
ng (B): ........... l ch h (hoc ngi i din ch h theo giy u quyn s ...... ngy ........) CMND s:..........ngy
cp.............ni cp: ..............
D n trc ngy nhn n ln ny:......................................
Bng ch:.............................................................................
S tin nhn n ln ny ( ngh vay ln ny):...................
Tng d n sau ln nhn n:.......................................................
Li sut %/ thng, li sut n qu hn ..% / thng
Mc ch s dng tin vay: ...........................................
Thi hn vay vn: . thng
Hn tr n cui cng : ....................
nh k tr n
Tr gc:
Ngy .. thng nm S tin
Ngy .. thng nm S tin
Tr gc: theo thng (qu, v) .
I DIN KHCH HNG
(K, ghi r h tn)
I DIN CHI NHNH NHNo & PTNT ............

Cn b tn dng
Trng phng tn dng
Gim c
(K, ghi r h tn)
(K, ghi r h tn)
(K, ghi r h
tn)

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CHNG V. H THNG CHM IM TN DNG V XP HNG KHCH HNG
CHNG V.
H THNG CHM IM TN DNG
V XP HNG KHCH HNG
A. C CU CHNG
1. Gii thiu chung
1.1.
Khi nim h thng chm im tn dng v xp hng khch hng
1.2.
Mc ch ca vic chm im tn dng v xp hng 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 xp hng khch hng
ng dng kt qu chm im tn dng v xp hng 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 xp hng khch hng
2.3.
3.3.
ng dng kt qu chm im tn dng v xp hng khch hng
4. nh gi li hng khch hng
5. Ph lc
S tay Tn dng Ngn hng Nng nghip v Pht trin Nng thn Vit Nam
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B. NI DUNG CHNG
1. Gii thiu chung
1.1.
1.1. Khi nim h thng chm im tn dng v xp hng kh
khch h ng
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.
- Trng s l mc quan trng ca tng tiu ch chm im tn dng (ch s ti chnh hoc yu t phi ti chnh)
xt trn gc tc ng ri ro tn dng.
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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82
Gim c chi nhnh (hoc ngi c u quyn): ph duyt kt qu chm im tn dng.
2. Hng dn chm im tn dng v xp hng khch hng doanh nghip
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:
CTF Ltd.
83
Loi
AAA:
AAA: Loi ti u
im tn dng tt nht
dnh cho cc khch
hng c cht lng tn
dng tt nht.
c im
im
-
AA: Loi u
A: Loi tt
BBB: Loi kh
BB: Loi trung bnh kh

-
B: Loi trung bnh
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
Thp nhng v di hn
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.
Trung bnh
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
Cao, do kh nng t ch
cao hn khch hng loi

AA+
Thp
Trung bnh, kh nng tr

n gc v li trong tng
lai t c m bo hn
khch hng loi BB+.
ti chnh thp. Ngn

hng cha c nguy c
mt vn ngay nhng v
lu di s kh khn nu
CTF Ltd.
bin ng kinh t nh.
CCC: Loi di trung bnh

-
CC: Loi xa di trung bnh

-
C: Loi yu km
D: Loi rt yu km
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
84
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.
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.
2.2.1. Bc 1: Thu thp thng tin
CBTD tin hnh iu tra, thu thp v tng hp thng tin v khch hng v phng n sn xut kinh doanh/ d n
u t t cc ngun:
- H s do khch hng cung cp: giy t php l v cc bo co ti chnh
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85
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
Vn kinh doanh
Lao ng
Tr s
T 50 t ng tr ln
T 40 t ng n di 50 t ng
Di 10 t ng
T 1500 ngi tr ln
T 1000 ngi n di 1500 ngi
CTF Ltd.
im
30
25
20
15
10
5
15
12
9
6
3
86
Di 50 ngi
1
3
Doanh thu thun
T 200 t ng tr ln
40
30
20
10
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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Bng 2M: Bng trng s p dng cho cc tiu ch phi ti chnh

(dng tng hp im t cc bng 2H 2L)
STT
Tiu ch
DNNN
DN NGOI QUC DOANH

(TRONG NC)
DN
TNN
Lu chuyn tin t
20%
20%
27%
Nng lc v kinh nghim qun l
27%
33%
27%
Tnh hnh & uy tn giao dch vi NH

A
33%
33%
31%
Mi trng kinh doanh
7%
7%
7%
Cc c im hot ng khc
13%
7%
8%
Tng cng
100%
100%
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 vi trng 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 im tng hp.
Bng 2N: Tng hp im tn dng
Cc ch s ti chnh
Cc ch s phi ti
chnh
Thng tin ti chnh khng c

kim ton
Thng tin ti chnh c kim

ton
DNNN
DN NGOI
QUC
DOANH
DN TNN
DNNN
DN NGOI
QUC
DOANH
DNTNN
25%
35%
45%
35%
45%
55%
75%
65%
55%
65%
55%
45%
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88
Sau khi xc nh c im tng hp, CBTD xp hng doanh nghip nh sau:
Hng
S im t c
AAA
AA
A
BBB
BB
B
CCC
CC
C
D
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

qu chm im tn dng v xp hng khch hng
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)
AA
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
BBB
BB
CCC
CC
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.
nhm cp nht thng tin v
tng cng mi quan h vi
khch hng.
cp nht thng tin.

cp nht thng tin
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.

hng. Tm cch b sung TSB.
CTF Ltd.
thu hi n, k c vic gia hn n ch thc

hin nu c phng n khc phc kh thi.
thu hi n, k c vic x l sm ti sn bo
m.
thu hi n k c vic x l sm ti sn bo
m.
90
hng.
Xem xt phng n phi a ra
to kinh t.
Xem xt phng n phi a ra
to kinh t.
3. Hng dn chm im tn dng v xp hng 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
Chm im cc thng tin c nhn c bn
- Bc 3: Chm im tiu ch quan h vi ngn hng
- Bc 4: Tng hp im v xp hng
3.2.1. Bc 1: Thu thp thng tin

CBTD tin hnh iu tra, thu thp v tng hp thng tin v khch hng t cc ngun:
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91
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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92
Bng 3A: Chm im cc thng tin c nhn c bn

STT
1
Ch tiu
Tui
im
Trnh hc vn
im
Ngh nghip
Thi gian cng tc
im
8
9
10
im
Thi gian lm cng vic
hin ti
im
Tnh trng nh
18-25 tui
5
Trn i hc
20
Chuyn mn /
k thut
25
Di 6 thng
5
Di 6 thng
40 n 60 tui
20
Trung hc
5
Kinh doanh
Trn 60
10
Di trung
hc/tht hc
-5
Ngh hu
15
6 thng 1
nm
10
6 thng 1
nm
10
Thu
5
1 5 nm
0
> 5 nm
15
1 5 nm
20
> 5 nm
im
30
Ht nhn
12
Sng vi cha
m
im
20
c thn
0
> 120 triu
5
< 3 ngi
10
36 120 triu
15
Chung vi gia
nh
5
Sng cng 1
gia nh ht
nhn khc
0
3 5 ngi
5
12 36 triu
40
> 240 triu
30
72 240 triu
15
24 72 triu
C cu gia nh
S ngi n theo
im
Thu nhp c nhn hng
nm (ng)
im
Thu nhp ca gia nh /
nm (ng)
im
5
S hu ring
25-40 tui
15
i hc / cao
ng
15
Th k
40
30
15
20
Khc
0
Sng cng 1 s
gia nh ht
nhn khc
-5
> 5 ngi
-5
< 12 triu
-5
< 24 triu
-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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93
Tnh hnh tr n vi
NHNo & PTNT
im
0
Tnh hnh chm tr
Cha giao
li
dch vay vn
40
Cha bao
gi chm tr
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
40
100 500
triu
Thi gian
qu hn < 30
ngy
0
Cha bao
gi chm tr
trong 2 nm
gn y
0
500 triu - 1
t
10
Ch s dng
th
5
Tit kim v
th
15
> 500 triu
5
100 500
triu
25
20 100
triu
40
25
10
im
S d tin gi tit
kim trung bnh
(VND) ti NH A
im
Cha giao
dch vay vn
Cha bao
gi qu hn
CTF Ltd.
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
94
3.2.4. Bc 4: Tng hp im v xp hng khch hng

CBTD tng hp im bng cch cng tng s im chm trong bng 3B. Sau khi tng hp im, CBTD xp hng
khch hng nh sau:
Loi
S im t c
Aaa
>= 401
351 400
301 350
251 300
201 250
151 200
101 150
51 100
0 50
<0
Aa
a
Bbb
Bb
b
Ccc
Cc
c
d
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
Cp tn dng
Aaa
p ng ti a nhu cu tn dng.
Aa
a
Bbb
Bb
b
Ccc
Cc
c
d
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).
CTF Ltd.
8%
10%
10%
4 K thu tin bnh qun
5 Hiu qu s dng ti sn
10%
10%
7 N phi tr/ ngun vn ch s hu
8 N qu hn/ tng d n ngn hng
100%
10
4.5
64
39
3.5
40
1.1
2.1
100
8.5
2.5
92
48
2.9
50
3.5
0.8
1.5
80
7.6
3.5
143
59
2.3
60
0.6
60
Quy m ln
7.5
1.5
233
70
1.7
70
0.2
0.7
40
<7,5
<3
<1,5
>3
>233
>70
<1,7
>70
<2
<0,2
<0,7
20
10
42
30
4.5
39
4.5
1.3
2.3
100
4.5
3.5
66
40
3.9
45
1.6
80
7.5
108
50
3.3
55
3.5
0.7
1.2
60
Quy m va
3.5
2.5
185
60
2.7
60
0.4
0.9
40
<7
<3,5
<2,5
>3
>185
>60
<2,7
>60
<3
<0,4
<0,9
20
Phn loi cc ch tiu ti chnh i vi doanh nghip
10
42
30
5.5
34
1.5
2.5
100
5.5
4.5
53
35
4.9
38
1.2
80
Trng s
100
80
60
Quy m ln
40
CTF Ltd.
Ch tiu
20
100
80
60
40
Quy m va
20
100

80
60
<1
20
>55
<2
>55
>3
40
7.4 <7,4
4.5 <4,5
3.5 <3,5
122 >122
55
3.7 <3,7
55
0.7 <0,7
40
Quy m nh
8.3
81
45
4.3
44
2.5
1.5
60
Quy m nh
Bng 2C. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh thng
thng mi dch v
Tng
8%
8%
10 Tng thu nhp trc thu/ Tng ti sn
Tng thu nhp trc thu/ ngun vn ch

11 s hu
8%
9 Tng thu nhp trc thu / doanh thu
D Ch tiu thu nhp (%)
10%
6 N phi tr / tng ti sn
c n n (%)
C Ch tiu cn
10%
3 Vng quay hng tn kho
B Ch tiu hot ng
8%
2 Kh nng thanh ton nhanh
Trng s
1 Kh nng thanh ton ngn hn
A Ch tiu thanh khon
Ch tiu
Bng 2B. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip thuc ngnh nng, lm, ng
ng nghip
PH LC CHNG V
20
96
10%
N qu hn/ tng d n ngn hng

100%
8%
14.2
6.5
53
35
39
1.4
2.1
12.2
6.5
69
45
2.5
45
4.5
0.9
1.6
10.6
5.5
1.5
122
55
55
0.6
1.1
9.8
5.5
185
65
1.5
60
3.5
0.4
0.8
<9,8
<5
<5,5
>2
>185
>65
<1,5
>60
<3,5
<0,4
<0,8
13.7
7.5
42
30
3.5
34
1.7
2.3
12
6.5
1.6
66
40
38
5.5
1.1
1.7
10.8
6.5
1.8
100
50
2.5
44
0.7
1.2
9.8
5.5
150
60
55
4.5
0.6
<9,8
<6
>2
>150
>60
<2
>55
<4,5
<0,6
<1
13.3
7.5
33
25
32
2.2
2.9
8%
10%
10%
B Ch tiu hot ng
3 Vng quay hng tn kho
4 K thu tin bnh qun
60
3.5
0.9
1.9
100
90
0.7
80
120
2.5
0.4
0.8
60
150
0.1
0.5
40
Quy m ln
CTF Ltd.
8%
2 Kh nng thanh ton nhanh
Trng s
A Ch tiu thanh khon

1 Kh nng thanh ton ngn hn
Ch tiu
>150
<2
<0.1
<0.5
20
45
2.1
100
55
3.5
0.7
1.1
80
60
0.5
0.9
60
65
2.5
0.3
0.6
40
Quy m va
>65
<2.5
<0.3
<0.6
20
40
3.5
1.2
2.3
100
nghip
hip thuc ngnh xy dng
Bng 2D. Bng cc ch s ti chnh p dng cho chm im cc doanh ng
Tng
Tng thu nhp trc thu/ ngun vn

ch s hu
8%
11
8%
10%
10%
10%
10%
8%
10%
Kh nng thanh ton ngn hn

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
Ch tiu ccn
n n (%)
N phi tr / tng ti sn
1
8%
Ch tiu thanh khon
50
1.2
80
11.8
7.5
1.6
54
35
3.5
37
6.5
1.8
2.3
55
0.8
60
0.4
60
10
6.5
0.9
55
2.5
50
5.5
0.9
1.4
122
40
Quy m nh
10.9
6.5
1.8
81
45
43
1.2
1.7
>60
<1
<0.4
<0.9
20
<10
<5
<6,5
>2
>122
>55
,2,5
>50
<5,5
<0,9
<1,4
97
10%
8%
8%
8 N qu hn/ tng d n ngn hng

100%
9.2
69
55
2.5
4.5
100
60
2.3
8.7
3.5
1.5
150
65
CTF Ltd.
Tng
8%
10%
11
10%
c n n (%)
C Ch tiu cn
6 N phi tr / tng ti sn
Tng thu nhp trc thu/ ngun vn ch s hu
10%
5 Hiu qu s dng ti sn
8.3
2.5
233
70
1.7
<8.3
<2.5
<5
>2
>233
>70
<1.7
12
6.5
69
50
11
5.5
1.6
100
55
3.5
10
4.5
1.8
122
60
2.8
8.7
3.5
150
65
2.2
<8.7
<3.5
<6
>2
>150
>65
<2.2
11
7.5
10
66
45
11
6.5
69
50
4.2
10
5.5
1.5
100
55
3.5
9.5
4.5
122
60
2.5
<9.5
<4.5
<7
>2
>122
>60
<2.5
98
8%
8%
8%
Tng thu nhp trc thu/ ngun vn ch

11 s hu
100%
14.2
5.5
122
45
2.3
45
1.1
100
13.7
5.5
150
50
55
0.8
1.4
80
13.3
1.5
185
60
1.7
60
0.4
60
70
1.5
65
2.5
0.2
0.5
40
13
233
Quy m ln
CTF Ltd.
Tng
10%
N qu hn/ tng d n ngn hng

10%
10%
10%
8%
10%
8%
10%
Ch tiu thanh khon
Trng s
Kh nng thanh ton ngn hn

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
Ch tiu ccn
n n (%)
N phi tr / tng ti sn
Ch tiu
<13
<4
<3
>2
>233
>70
<1.5
>65
<2.5
<0.2
<0.5
20
14.2
6.5
100
45
3.5
35
1.2
2.2
100
13.3
5.5
1.6
122
50
2.8
45
0.9
1.6
80
13
5.5
1.8
150
55
2.2
55
0.7
1.1
60
12.2
2.5
185
65
1.5
60
0.3
0.8
40
Quy m va
<12.2
<5
<2.5
>2
<185
>65
<1.5
>60
<3
<0.3
<0.8
20
13.3
6.5
82
40
4.2
30
4.3
1.3
2.5
100
13
6.5
100
45
3.5
40
1.8
80
thuc
uc ngnh cng nghip
Bng 2E. Bng cc ch s ti chnh p dng cho chm im cc doanh nghip th
12.9
1.4
122
50
2.5
50
3.7
0.8
1.3
60
12.5
1.8
150
55
1.5
55
3.4
0.6
40
Quy m nh
<12.5
<5
<4
>1.8
>150
>55
<1.5
>55
<3.4
<0.6
<1
20
99

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1

S TAY TN DNG NDTD ST

5.2. Quy trnh xy dng v ph duyt hn mc tp trung tn dng ...................................... 49

Quyn t ch ca NHNo & PTNT VN ..................................................................... 54

i tng khch hng vay ti NH A .......................................................................... 54

Nhng i tng v nhu cu vn khng c cho vay .............................................. 55

Hn ch cho vay ......................................................................................................... 55

Nguyn tc v iu kin vay vn................................................................................ 55

Phng thc cho vay .................................................................................................. 57

Cn c xc nh mc tin cho vay.............................................................................. 58

Quy nh v tr n gc v li vay ............................................................................... 58

iu chnh k hn tr n / chuyn n qu hn ........................................................... 59

2.10 Cn c xc nh li sut cho vay, li sut u i, li sut qu hn ............................. 60

S TAY TN DNG NDTD ST

PH LC 4I. PHNG THC CHO VAY LU V ...................................................... 72

CHNG VI. XC NH LI SUT CHO VAY ........................................................... 105

S TAY TN DNG NDTD ST

7. Cc loi li sut tn dng ................................................................................................. 108

S TAY TN DNG NDTD ST

6.20. Thanh l hp ng tn dng ...................................................................................... 121

S TAY TN DNG NDTD ST

6. Quy trnh nghip v cho vay ........................................................................................... 151

S TAY TN DNG NDTD ST

PH LC 8C. DANH MC H S BO M TIN VAY ......................................... 169

S TAY TN DNG NDTD ST

S TAY TN DNG NDTD ST

11.1. Qun l h s bo lnh .............................................................................................. 269

S TAY TN DNG NDTD ST

3.7. Bn, chuyn i ti sn cm c, bo lnh ................................................................... 321

PH LC 12K. TRCH NHIM PHI HP CA CC C QUAN HU QUAN ...... 364

CHNG XIII. HP NG TN DNG V HP NG M BO TIN VAY ........ 366

S TAY TN DNG NDTD ST

3.7. Thu n gc, li tin vay ............................................................................................... 369

S TAY TN DNG NDTD ST

7.1. nh gi chung v cng tc tn dng .......................................................................... 386

S TAY TN DNG NDTD ST

6. H thng thng tin, bo co tn dng ................................................................................. 410

S TAY TN DNG NDTD ST

Biu s TT30. Bo co khch hng c tng d n ln ...................................................... 447

S TAY TN DNG NDTD ST

Bo co thm nh cho vay

Trung tm thng tin tn dng

Trung tm thng tin tn dng ca NH A

Doanh nghip u t nc ngoi

Ngn hng cho vay

Ngn hng u t v Pht trin

Ngn hng Nh nc Vit Nam

Ngn hng thng mi

Ngn hng thng mi c phn

Ngn hng thng mi quc doanh

Phng n sn xut kinh doanh

Qun l doanh nghip

S TAY TN DNG NDTD ST

GII THCH THUT NG

GII THCH THUT NG

S TAY TN DNG NDTD ST

GII THCH THUT NG

S TAY TN DNG NDTD ST

GII THCH THUT NG

Mc ch, thi hn hp ng hp tc.

S TAY TN DNG NDTD ST

GII THCH THUT NG

S TAY TN DNG NDTD ST

GII THCH THUT NG