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BAI TP TIN DUNG


Bai tp 1
1. Xac inh chi tiu ha n mc tin du ng.
- Nhu c u vay cua khach hang:
+ Nhu c u v n lu ng thc hi n k hoa ch kinh doanh:
. Vong quay vn lu ng = (1,6 x 5000)/ [(2450+2550)/2] = 3,2 (l n)
. Nhu c u v n lu ng = (1,312 x 5000) / 3,2 = 2.050 tri u ng
+ Nhu c u vay v n lu ng = 2050 - 700 - 100 = 1250 tri u ng
- Kha nng cho vay cua ngn hang:
+ V n kinh doanh cua ngn hang = 0,8 * (24.560 + 4.540 + 2.150) = 25.000 tri u ng.
+ Kha nng cho vay cua ngn hang = 0,06 x 25000 = 1500 tri u ng.
- Vy ha n mc tin dung cua NH c p cho cty la 1.250 tri u ng.
2. Giai quyt cac nghip vu kinh t phat sinh:
Ngay
25/12/2002
26/12/2002
27/12/2002
28/12/2002
29/12/2002
30/12/2002
31/12/2002

Tai khoan cho vay theo han mc - Cty Thanh Ha


1120
125 225
1020
210 50
1180
320 350
1150
80 390
840
300 250
890
200
690

Bai tp 2
2.1. Xac inh cac chi tiu k hoach:
- Mc cho vay:
T ng nhu c u vay v n c inh
la 500 tr. ng.
Mc cho vay tin h theo gia tri tai san am bao : 60% x 1.050 tr. ng = 630 tr. ng.
Mc cho vay t i a cua NH = 1,3% x 40.000 tr. ng = 520 tr. ng
V y mc cho vay v n c inh
phu h p vi nhu c u vay cua cng ty .
- Thi ha n cho vay v n c inh:
62 thang 15 ngay.
2.2. Giai quyt cac nghip vu kinh t phat sinh:
- Ngay 26/6:
- Ngay 27/6:
- Ngay 28/6:
- Ngay 29/6:
- Ngay 30/6:

Tai khoan cho vay vn c inh


320
80
400
400
100
500
500

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Bai tp 3
- Mc cho vay:
Tng nhu cu vay ca cng ty l 1.100 tr. ng trong vn c nh l 500 tr. ng, vn l-u ng l 600 tr. ng.
Mc cho vay tnh theo gi tr ti sn m bo: 60% x 2.050 tr. ng = 1.230 tr. ng.
Mc cho vay ti a ca NH = 3% x 40.000 tr. ng = 1.200 tr. ng
Vy mc cho vay vn c nh v l-u ng ph hp vi nhu cu vay ca cng ty.
- Thi hn cho vay vn c nh:

500
62 thng 15 ngy.
10 x0,625 1,75

2.2. Gii quyt cc nghip v kinh t pht sinh:


- Ngy 26/6:
- Ngy 27/6:

Ti khon cho vay theo hn mc


380
150
220
450

- Ngy 28/6:

Ti khon cho vay vn c nh


320
80
400

50
400
40

- Ngy 29/6:

400
100
200

240
- Ngy 30/6:
120
360
2.3. Xc nh s li m khch hng phi tr cho ngn hng:

3 0,8%

500
500

42.230 450 400 240 360


11.520.000 ng.
91

Bai tp 4
- Mc cho vay:
Tng nhu cu vay ca cng ty l 1.100 tr. ng trong vn c nh l 500 tr. ng, vn l-u ng l 600 tr. ng.
Mc cho vay tnh theo gi tr ti sn m bo: 60% x 2.050 tr. ng = 1.230 tr. ng.
Mc cho vay ti a ca NH = 3% x 40.000 tr. ng = 1.200 tr. ng
Vy mc cho vay vn c nh v l-u ng ph hp vi nhu cu vay ca cng ty.
- Thi hn cho vay vn c nh:

500
62 thng 15 ngy.
10 x0,625 1,75

2.2. Gii quyt cc nghip v kinh t pht sinh:


- Ngy 26/6:
- Ngy 27/6:

Ti khon cho vay theo hn mc


380
150
220
450

- Ngy 28/6:
- Ngy 29/6:

Ti khon cho vay vn c nh


320
80
400

50
400
40

400
100
200

240
- Ngy 30/6:
120
360
2.3. Xc nh s li m khch hng phi tr cho ngn hng:

3 0,8%

500
500

42.230 450 400 240 360


11.520.000 ng.
91

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Bai tp 5
a. Xac inh mc cho vay:
Nhu c u vay v n lu ng cua khach hang :
= (14.702 - 1496) - 4914 - 3642 = 4.650 tri u ng
Kha nng ngun vn cua ngn hang ap ng u nhu cu vay cua DN .
Mc cho vay t i a theo gia tri tai san th ch p
70% x 8080 = 5.656 tri u ng
Mc cho vay t i a: 4.650 tri u ng
b. Giai quyt cac nghi p vu kinh t phat sinh:
Tai khoan cho vay vn lu ng - cao su Sao vng
31/8

5.240,0

5/9

3.650
540

4.700,0

3.650

570,0

4.220

80,0

4.300

5.350,0

4.300

350,0

4.650

5.700,0

4.650

11/9

16/9

Bai tp 6
a. Xac inh mc cho vay:
Nhu c u vay v n lu ng cua khach hang :
= (25.450 - 7.635) - 5.090 - 2.545 = 10.180 tri u ng
Kha nng ngun vn cua ngn hang ap ng u nhu cu vay cua DN .
Mc cho vay t i a theo gia tri tai san th ch p
75% x 14.500 - 1.525 = 9.350 tri u ng
Mc cho vay t i a: 9.350 tri u ng
b. Giai quyt cac nghip vu kinh t phat sinh :
Tai khoan cho vay vn lu ng - Giy Bi Bng
30/4

8.250,00

10/5

11/5

16/5

26/5

5.650
480

7.770,00
1540

5.650
7.190

520
9.830,00
350
10.180,00
850
11.030,00

7.710
7.710
8.060
8.060
8.910
8.910

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Bai tp 7
a. Xac inh mc cho vay:
Nhu c u vay v n lu ng cua khach hang :
= (14.702 - 1496) - 4914 - 3642 = 4.650 tri u ng
Kha nng ngu n v n cua ngn hang ap ng u nhu c u vay cua DN .
Mc cho vay t i a theo gia tri tai san th ch p
70% x 8080 = 5.656 tri u ng
Mc cho vay t i a: 4.650 tri u ng
b. Giai quyt cac nghip vu kinh t phat sinh :
Tai khoan cho vay vn lu ng - cao su Sao vng
31/8

5.240,0

5/9

3.650
540

4.700,0

3.650

570,0

4.220

80,0

4.300

5.350,0

4.300

350,0

4.650

5.700,0

4.650

11/9

16/9

Bai tp 8
a. Xac inh mc cho vay:
Nhu c u vay v n lu ng cu a khach hang:
= (14.702 - 1496) - 4914 - 3642 = 4.650 tri u ng
Kha nng ngun vn cua ngn hang ap ng u nhu cu vay cua DN .
Mc cho vay t i a theo gia tri tai san th ch p
70% x 8080 = 5.656 tri u ng
Mc cho vay t i a: 4.650 tri u ng
b. Giai quyt cac nghip vu kinh t phat sinh :
Tai khoan cho vay vn lu ng - cao su Sao vng
31/8

5.240,0

5/9

11/9

16/9

3.650
540

4.700,0

3.650

570,0

4.220

80,0

4.300

5.350,0

4.300

350,0

4.650

5.700,0

4.650

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Bai tp 9
1/ Xac inh mc cho vay: 2,0 i m
Nhu c u vay v n lu ng cua khach hang :

1,0 i m

= (14.622 - 1446) - 4944 - 3612 = 4.620 tri u ng


Kha nng ngun vn cua ngn hang ap ng u nhu cu vay cua DN .
Mc cho vay t i a theo gia tri tai san th ch p

0,5 i m

70% x 7680 = 5.376 tri u ng


Mc cho vay t i a theo v n t co cua ngn hang

0,5 i m

38880 x 15% = 5.832 tri u ng


Mc cho vay t i a: 4.620 tri u ng
2/ Xac inh ty l d tr b t bu c va d tr am bao kha nng thanh toan:

1,5 i m

T ng ngu n v n cua ngn hang : 4.620/ 1,4% = 330.000 tri u ng


V n huy ng = 330.000 - 22.320 - 38.880 = 268.800 tri u ng
V n huy ng ng n ha n = 268.800 x 65% = 174.720 tri u ng
Nghi p vu ngn quy = 330.000 - 252.624 - 55536= 21.840 tri u ng
Ty l DTBB = (21.840 x 40% )/ 174.720 = 5% 0,75 i m
Ty l DTDBKNTT= 4,875%

0,75 i m

3/ Giai quyt cac nghip vu kinh t phat sinh:

1,5 i m

Tai khoan cho vay vn lu ng - DN Thng Long


31/8

5.004,0

5/9

3.651,6
290,4

4.713,6
10/9

3.651,6

576,0
62,4
5.352,0

15/9

4.290,0

282,0
5.634,0

5.572,0

Bai tp 10
1. Xac inh mc cho vay i vi d an.
- Nhu c u vay v n ngn hang: 1.850 tri u ng.
- Mc cho vay theo tai san th ch p : 1855 tri u ng.
- Kha nng cho vay cua ngn hang:
= Ngu n v n trung dai ha n - D n cho vay trung dai ha n
= (2.736.000 + 3.116.000) - 5.810.208 = 41.792 tri u ng
V y mc cho vay i vi d an la 1.850 tri u ng.
2. Xac inh thi ha n cho vay i vi d an .

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- Thi gian xy dng cua d an : 7 thang;


- Thi gian tra n:
+ S ti n tra n mi ky:
= Kh u hao tra n NH + L i nhu n tra n NH + Ngu n khac
= [(3.250*10%)* (1.850/3.250)] + [1.650 - (1.650/1,1)]* 0,8 + 65 = 370 tri u ng
+ Thi gian tra n: = (1.850/370) * 1 nm = 5 nm.
- V y thi gian vay v n la : 5 nm va 7 thang.
3. Giai quyt cac nghip vu kinh t phat sinh:
- D n tai khoan cho vay trung dai ha n cu i ngay 9/6: 850 tri u ng
- Cac khoan cho vay: 560 + 360 + 40 = 960 tri u ng
- D cu i ky: 1.810 tri u ng
Bai tp 11
- D ki n bai:
T ng mc v n u t thc hi n d an
Ty l Vn t co thc hin d an
V n t co thc hi n d an
Cac ngun vn khac tham gia d an
Gia tri tai san th chp
L i nhu n thu c hang nm sau khi thc hi n d an
Tng l i nhu n so vi trc khi thc hi n d an
Ty l khu hao tai san c inh (nm)

7200
30%
2.160
1550
5650
1.705,00
10%
20%

- Xac inh mc cho vay: 1,0 i m

- Xac inh thi han cho vay: 1,5 i m

Nhu c u vay ngn hang


Nhu c u vay theo gia tri am bao ti n vay
Mc cho vay cua ngn hang
L i nhu n trc khi thc hi n d an
L i nhu n tng thm
Kh u hao hang nm
Kh u hao dung tra ngn hang
Ngu n khac tra ngn hang
T ng gia tri hoa
n tra hang nm
Thi gian xy dng
Thi gian hoan tra (thang)
T ng thi gian cho vay (thang)

3.490
3955
3490
1550
155
1440
698
19,50
872,5
8,00
48,00
56,00