CHNG 3: NGHIP V TN DNG

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NI DUNG

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3.1 Khi qut v hot ng tn dng ca NHTM 3.2 3.3 3.4 Cho vay ngn hn ca NHTM Cho vay trung di hn ca NHTM Quy nh php l v cho vay

3.1 KHI QUT HAT NG TN DNG

3.1.1 Khi nim v tn dng 3.2.2 Phn loi tn dng 3.3.3 Phng thc tn dng 3.3.4 Li sut tn dng 3.3.5 Quy trnh tn dng

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3.1 KHI QUT HOT NG TN DNG

3.1.2 Phn loi tn dng:

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3.1.2.4 Cn c vo phng thc cho vay (tt):

- Cho vay tng ln - Cho vay theo hn mc tn dng - Cho vay theo d n u t - Cho vay hp vn - Cho vay theo hn mc tn dng d phng - Cho vay thng qua nghip v pht hnh v s dng th tn dng - Cho vay theo hn mc thu chi

3.1 KHI QUT HAT NG TN DNG

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3.1.3 Phng thc tn dng (phng thc cho vay): Ni dung : n tp vn lu ng v nhu cu vn L doanh nghip Phng thc cho vay theo hn mc tn dng Cu hi n tp

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3.1 KHI QUT HOT NG TN DNG

Tm hiu v nhu cu vn lu ng trong DN:

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3.1.3 Phng thc tn dng (phng thc cho vay):

TIEN SOtin S

TSL thay i

TSL thng xuyn

Ti sn di hn THI GIAN Thi gian THI GIAN

KHI QUT HOT NG TN DNG

3.1.3 Phng thc tn dng (phng thc cho vay): 3.2.1 Khi nim:

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Cho vay tng ln l phng thc cho vay c Ngn

hng ti tr theo tng phng n kinh doanh, tng thng v, tng giao dchring bit v c th v l phng thc cho vay b sung vn lu ng. Lu :

L mt phng thc cho vay p dng cho tng phng n kinh doanh, thng v, giao dch ring bit, c th. Dng b sung vn lu ng

KHI QUT HOT NG TN DNG

Nhu cu vn lu ng ca doanh nghip Thi gian giao hng: 2 ngy Thi gian sn xut: 5 ngy
Tr chm 10 ngy
Bn hng

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DOANH NGHIP

NH CUNG CP
Tr chm 30 ngy
Cung cp nguyn vt liu

KHCH HNG

KHI QUT HOT NG TN DNG

S chu chuyn vn lu ng 7 ngy
(1)

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(2)

30 ngy

Thi gian lun chuyn hng tn kho

Thi gian thu hi cng n (4)

Thi gian thanh ton cng n

10 ngy (3)

27 ngy

Thi gian chnh lch ngun ti tr

Nhp NVL

Thanh ton tin mua NVL

Ngy

Thu n

KHI QUT HOT NG TN DNG

3.2.1 Khi nim c trng c trng: i tng: gii hn trong cc nhu cu vn thuc tng giao dch c th ca khch hng vay. Phng thc: tr gp hoc phi tr gp Gii ngn: tng ln hoc nhiu ln, lun c k hn c th cho mi ln gii ngn.

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Ngun hon tr ca cc khon vay: c hnh

thnh t vic hon thnh n t hng m khch hng vay k kt vi ngi tiu th.

KHI QUT HOT NG TN DNG

3.2.2 K thut cho vay tng ln

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3.2.2.1

Xc nh mc cho vay

Xc nh thi hn vay v cc k hn n 3.2.2.2

KHI QUT HOT NG TN DNG

3.2.2.1 Xc nh mc cho vay

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V pha Khch hng Mc cho vay

V pha Ngn hng

Nhu cu vay vn ca khch hng

Ti sn m bo Kt qu thm nh Kh nng ngun vn cho vay Gii hn phn tn ri ro Quy nh tn dng

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Xc nh nhu cu vn ca Doanh nghip: Vn t c

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Chi ph cn thit thc hin phng n kinh doanh

N phi tr ngi bn, vn ng trc ngi mua Vay ngn hn Ngn hng

Vn vay NH = Tng chi ph Vn t c Vn chim dng

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Xc nh nhu cu vn ca Doanh nghip:

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V d: Doanh nghip ABC c nhu cu vay Nhp mt l hng ha c gi 600 triu ng thng 6/2011, thu VAT 10% Chi ph vn chuyn bc xp l 150 triu. Doanh nghip c tr chm 20% ha n bn hng cho n khi bn xong ton b l hng. Vn t c ca doah nghip tham gia vo phng n kinh doanh l 100 triu. Tnh ton mc cho vay hp l ca ABC.

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Hng dn:

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-Tng nhu cu vn: 600+ 600*10%+ 150= 810 triu ng

-Vn t c: 100 triu -Vn chim dng: [600+60*10%]*20% = 132 triu => Nhu cu vn doanh nghip =810-100- 132 = 578 triu

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Ti sn bo m :

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Ti sn m bo >= gi tr ca mn vay
V d: Doanh nghip ABC trn (nhu cu vn 578 triu) dng Ti sn m bo l Bt ng sn, c nh gi: TH1: 1000 triu ng; TH2: 1800 triu ng Ngn hng quy nh: t l cho vay ti a 50% gi tr TSB l BS,70% gi tr TSB l S. Hng dn: T l cho vay ti a: - TH1: 50% * 1000 triu = 500 triu (< 578 triu) => khng chp nhn - TH2: 50% * 1800 triu = 900 triu (> 578 triu) => chp nhn

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Kt qu thm nh Khch hng

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- Tnh kh thi v hp l ca phng n kinh doanh

- Uy tn ca khch hng - Kh nng ti chnh ca Khch hng

KHI QUT HOT NG TN DNG

3.2.2.1 K thut cho vay tng ln Kt qu thm nh Khch hng

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V d: Qua thm nh chi ph vn chuyn ABC, ngn

hng nhn thy: - TH1: Chi ph hp l => Chp nhn nhu cu vn hp l ca KH l 578 triu - TH2: DN c kh nng gim chi ph vn chuyn (chi

ph thc t thp hn, DN c th dng xe ca chnh

cng ty) => yu cu DN xem xt li phng n kinh doanh v tnh ton li nhu cu vn ca DN.

KHI QUT HOT NG TN DNG

3.2.2 .1 K thut cho vay tng ln Kh nng ngun vn vay ca Ngn hng:

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- Vn cho vay chim bao nhiu % trong tng

ngun vn ca Ngn hng - T l cho vay/Vn huy ng ca Ngn hng

KHI QUT HOT NG TN DNG

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3.2.2 .1 K thut cho vay tng ln Gii hn phn tn ri ro: Tng gii hn d n cho vay i vi mt khch hng khng vt qu 15% vn t c ca Ngn hng V d : DN ABC c nhu cu vay vn 578 triu,d n ca ABC ti Ngn hng hin ti l 1.5 t. Vn ca Ngn hng Y: 3500 t Hng dn: - Gii hn phn tn ri ro theo Quy nh php lut: 15% * 3500 = 525 t - Tng d n ca KH nu chp nhn cho vay ti NH: 1.5 t + 0.578 = 2.078 t => D n ca KH ti NH nm trong phm vi cho php.

KHI QUT HOT NG TN DNG

3.2.2 .1 K thut cho vay tng ln Quy nh tn dng ca Ngn hng: - C cu ngun vn theo ngnh ngh cho vay. - C cu ngun vn theo k hn

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KHI QUT HOT NG TN DNG

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3.2.2 .1 K thut cho vay tng ln VD: Doanh nghip ABC cn vay 578 triu nhp hng ha sn xut. Ngun vn cho vay ca NH Y l 2000 t. Trong : - Cho vay thng mi: 10%. D n cho vay thng mi hin ti l 198 t. - Cho vay ngn hn: 60%. D n hin ti 1140 t Hng dn: - Mc cho vay thng mi = 2000 * 0.1 = 200 t - D n cho vay thng mi nu chp nhn khon vay ABC: 198 + 0.578 = 198.578 t (< 200 t) => c php cho vay. - Cho vay ngn hn: 2000 * 0.6 = 1200 t. - Nu chp nhn ABC vay, d n NH l: 1140 + 0.578 = 1140.478 => c php cho vay

KHI QUT HOT NG TN DNG

3.2.2 .2 Xc nh thi hn vay v cc k hn n Thi hn vay:

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L khong thi gian t khi gii ngn ln u tin cho n khi ngn hng thu v c gc ln li. tnh ton thi hn vay, ngi ta thng cn c vo chu k

Ngn qu.
Lu : - Thi gian: t khi gii ngn n khi thu v c gc ln li - Cn c vo chu k Ngn qu

KHI QUT HOT NG TN DNG

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3.2.2 .2 Xc nh thi hn vay v cc k hn n K hn n: L cc khong thi gian nm trong thi hn vay m ti cui khong thi gian , khch hng hon tr ton b hoc mt phn tin gc v li. Lu : - Khong thi gian nm trong thi hn vay - Khch hng tr ton b hoc mt phn tin gc v li - Nu khch hng tr n mt ln th k hn vay bng vi k hn n Nu khch hng tr n lm nhiu ln s c nhiu k han n tng ng K hn n <= K hn vay

KHI QUT HOT NG TN DNG

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3.2.2 .2 Xc nh thi hn vay v cc k hn n V d: Doanh nghip ABC trn cung cp cho Ngn hng mt hp ng tiu th cung cp hng cho siu th vi tr gi 920 triu ng. Trng hp 1: Siu th thanh ton n hng mt ln duy nht vo cui thng 10 sau khi nhn c hng. Trng hp 2: Thanh ton 3 t: - t 1 40% gi tr hp ng, - Cc t sau 30%, bt u t cui thng 8, mi t giao hng cch nhau 1 thng, - T l thu n gc hai bn tha thun da vo t l tham gia ca vn vay trong tng nhu cu vn l 71% (578/810).

KHI QUT HOT NG TN DNG

Hng dn S chu chuyn vn lu ng 2 thng Bn hng (2)
(1)

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3 thng

Thi gian lun chuyn hng tn kho

Thi gian thu hi cng n

Thi gian thanh ton cng n

Thi gian chnh lch ngun ti tr

Nhp NVL Thng 6

Thng 8
Thi hn cho vay: 5 thng

Ngy thu tin

KHI QUT HOT NG TN DNG

3.2.2 .2 Xc nh thi hn vay v cc k hn n V d: Tnh ton k hn n Trng hp 1:

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Siu th thanh ton n hng mt ln duy nht vo cui thng 10 sau khi nhn c hng. Hng dn:

K hn n = Thi hn vay = 5 thng

Hon tr n gc: 920 triu vo lc o hn

KHI QUT HOT NG TN DNG

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3.2.2 .2 Xc nh thi hn vay v cc k hn n V d: Tnh ton k hn n Trng hp 2: Thanh ton 3 t: - t 1 40% gi tr hp ng, - Cc t sau 30%, bt u t cui thng 8, mi t giao hng cch nhau 1 thng, - T l thu n gc hai bn tha thun da vo t l tham gia ca vn vay trong tng nhu cu vn l 71% (578/810). Hng dn: C 3 t thu tin v s c 3 k hn n vi cc mc n gc d kin thu nh sau: Thng 8 thu: (920*40%)*71%=261 triu Thng 9 thu: (920*30%)*71%=196 triu Thng 10 thu phn n gc cn li 121 triu trong mc thu bn hng l 276 triu.

KHI QUT HOT NG TN DNG

Tng kt: u im Nhc im Phng php cho vay n H s vay c xem xt gin cho tng mn vay c th Qu trnh gii ngn v thu n thng tch bit nn d gim st Khng ph hp vi cc doanh nghip c nhiu mt hng kinh doanh, nhu cu vn n t nhiu phng n khc nhau, pht sinh lin tc

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3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
1 2 nh ngha c im i tng
v

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3.1.3 Phng thc tn dng (phng thc cho vay):

X l n vay cui k Cc KT tnh tan Xc nh HMTD Xc nh li vay, thu n

3
4

Gii ngn Thu n - li

Lu & so snh

3.1 KHI QUT HOT NG TN DNG

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3.1.3 Phng thc tn dng (phng thc cho vay):

3.1.3.2 Cho vay theo hn mc tn dng:

T chc tn dng v khch hng xc nh v tha thun mt hn mc tn dng duy tr trong mt khong thi gian nht nh. * Hn mc tn dng:

- Mc d n ti a
- c duy tr trong mt thi hn nht nh

-TCTD v khch hng tha thun trong HTD

3.1 KHI QUT HOT NG TN DNG

3.1.3 Phng thc tn dng (phng thc cho vay):

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3.1.3.2 Cho vay theo hn mc tn dng:

D n Hn mc tn dng: 5 t
4.5 t

1 t

Thi gian

Cng ty A c Ngn hng cp HTMD 5 t trong TH 1 nm

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
c im:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- Mt h s xin vay dng xin cho nhiu mn vay.

- Trong k, khch hng c th vay tr nhiu ln, song d n tn dng khng c vt qu hn mc tn dng. - Mi ln vay, KH ch cn trnh phng n s dng vn

vay v cc giy t cn thit cho NH

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
i tng:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- n v vay vn c nhu cu vay vn pht sinh thng

xuyn lin tc. - n v vay vn hot ng kinh doanh c li, n nh, c tn nhim cao vi Ngn hng. - Tc lun chuyn vn nhanh.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Gii ngn:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- iu kin gii ngn:

-Gii ngn da trn c s hp ng tn dng k kt gia ngn hng vi khch hng. -Khi c nhu cu vn pht sinh, khch hng phi gi n cc chng t ha n, hoc chng t thanh ton hp

l v hp php.

Vay mua nguyn vt liu

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Mua nguyn vt liu Phiu nhp kho

Chi tr lng nhn vin

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Gii ngn:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- Phng thc gii ngn:

- Gii ngn bng tin mt (mua hng ha, nguyn vt liu hoc tr chi ph ngi th hng khng c TK ti NH). -Thanh tan trc tip cho ngi th hng hoc vo

ti khon tin gi ca ngi i vay vn. - KH s dng ng thi TKTG v TK tin vay gii ngn v thu n

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Gii ngn:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- Phng thc gii ngn:

* Lu -c thc hin theo tin thc hin SXKD ca DN trong 1 thi gian nht nh, khng k n vay ca ln trc oc tr hay cha.

-S d trn ti khon cho vay khng c vt qu

hn mc.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Tnh li v thu n:

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3.1.3 Phng thc tn dng (phng thc cho vay):

c quy nh trong HTD, thng thng hai cch:

-Theo k hn n trong k c -Thu theo doanh thu thc t: doanh nghip phi tr tin cho ngn hng ngay khi pht sinh doanh thu.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Tnh li v thu n:

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3.1.3 Phng thc tn dng (phng thc cho vay):

Tin li c tnh v thu mi thng

Thi im tnh li vo ngy cui thng hoc ngy c chn (ngy pht sinh tn dng).

3.1 KHI QUT HOT NG TN DNG

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3.1.3 Phng thc tn dng (phng thc cho vay): 3.1.3.2 Cho vay theo hn mc tn dng: Cc k thut tnh ton phng php cho vay theo

HMTD
Cch xc nh hn mc tn dng: Hn Nhu cu _ mc tn = VL k dng hoch Nhu cu VL k = hoch Vn lu ng rng + Ngun vn khc

Tng chi ph k k hoch Vng quay vn lu ng k k hoch

3.1 KHI QUT HOT NG TN DNG

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3.1.3 Phng thc tn dng (phng thc cho vay): 3.1.3.2 Cho vay theo hn mc tn dng: Cc k thut tnh ton phng php cho vay theo

HMTD
Cch xc nh hn mc tn dng: Chi ph k k hoch Gi vn hng bn nm KH (tr khu = hao nu c) + chi ph qun l v bn hng

Gi vn hng bn: - T trng gi vn hng bn trong doanh thu - Doanh thu nm hin hnh - D kin tc gia tng doanh thu nm ti

3.1 KHI QUT HOT NG TN DNG

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3.1.3 Phng thc tn dng (phng thc cho vay): 3.1.3.2 Cho vay theo hn mc tn dng: Chi ph qun l v bn hng Vng quay vn lu ng: Vng quay Doanh thu thun VL hin = S d TSL bnh qun hnh

Vn khc: vn vay t t chc tn dng khc, vn chim dng

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Cch xc nh hn mc tn dng:

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3.1.3 Phng thc tn dng (phng thc cho vay):

Vn lu ng rng: l phn ngun vn di hn (gm vn ch s hu v n di hn) ti tr cho ti sn lu ng thng xuyn. TS NGN HN TS DI HN N NGN HN NGUN DI HN
VN LU NG RNG >0

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Cch xc nh hn mc tn dng:

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3.1.3 Phng thc tn dng (phng thc cho vay):

Vn L rng= VCSH (1) + N di hn (2) TS di hn (3) Lu : - (1)= Vn CSH cui nm + thay i VCSH k hoch

- (2)= N di hn cui nm + thay i n di hn KH

- (3)= TSDH cui nm + (Tng TSC do mua sm khu

hao + D kin thay i u t di hn trong nm)

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d:

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3.1.3 Phng thc tn dng (phng thc cho vay):

Doanh nghip ABC l khch hng c quan h tn dng thng xuyn vi NHTM SCB. Doanh nghip xin cp vay hn mc tn dng cho nm 2012 ti NH.

Doanh nghip c cc ch tiu c TC c bn nh sau:

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d:
Ch tiu Tin Phi thu khch hng Tn kho Phi tr ngi bn Ti sn c nh rng u t ti chnh di hn N di hn Ngun VCSH

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3.1.3 Phng thc tn dng (phng thc cho vay):

BNG CN I K TAN (v: ngn ng)

S u nm S cui nm 56,200 82,150 807,082 600,327 246,750 180,826 670,825 98,878 1,648,000 100 250,000 1,950,000

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: KT QU HOT NG KINH DOANH
S cui nm 3,746,186 2,839,724 10% doanh thu 20% li rng sau thu

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3.1.3 Phng thc tn dng (phng thc cho vay):

Ch tiu s Doanh thu thun Gi vn hng bn Li rng sau thu T l chia c tc

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: D kin trong nm 2012: - Cc ch tiu hot ng khng thay i so vi 2011.

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3.1.3 Phng thc tn dng (phng thc cho vay):

- Doanh thu d kin tng 20%, t trng gi vn tng ng 2011.

- Pht hnh thm c phiu tr gi 400 triu, mua TSC

450 triu (n vay di chim 60%), khu hao trong nm d kin 80 triu, khon n di hn n hn tr cho cng ty ti chnh 100 triu.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: D kin trong nm 2012:

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3.1.3 Phng thc tn dng (phng thc cho vay):

- Cc t l li rng v chia c tc khng thay i so vi nm 2011. Xc nh: 1) Nhu cu vn lu ng ca ABC nm 2012 2) Vn lu ng rng ABC nm 2012 3) Xc nh Hn mc tn dng c th ti tr cho ABC thc hin hot ng sn xut kinh doanh nm 2012.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: 1) Nhu cu vn lu ng Ch tiu TSL bnh qun (1) Doanh thu thun (2) T trng GVHB (3) Gi vn hng bn (3) x (2) Vng quay vn L (2)/(1) Nhu cu VL Nm hin hnh 1,198,705 3,746,186 76% 2,839,724 3.1 Nm k hoch

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3.1.3 Phng thc tn dng (phng thc cho vay):

20% 4,495,423 76% 3,416,522 3.1 1,102,104

GVHB/ VQVL

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: 2) Vn lu ng rng Ch tiu Doanh thu thun Li rng sau thu Nm hin hnh 3,746,186 Nm KH 4,495,423 449,542

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3.1.3 Phng thc tn dng (phng thc cho vay):

Chia c tc
Pht hnh CP VCSH N di han 1,590,000 250,000

89,908
400,000 2,349,634 420,000

TSDH

1,648,000

2018000

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d:

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3.1.3 Phng thc tn dng (phng thc cho vay):

VCSH = 1,950,000 VCSH (hin hnh) + Phn tng thm VCSH d kin (449,542 Li rng sau thu - 89,908 Chia c tc + 400,000 Pht hnh thm CP)

N di hn = 250,000 N di hn hin hnh + Thay i n

di hn d kin ( N vay thm 60% *450,000 100,000 N n hn tr cng ty TC)

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
V d: 2) Vn lu ng rng Ch tiu Nm hin hnh 172814 Nm KH

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3.1.3 Phng thc tn dng (phng thc cho vay):

Vn lu ng rng Vn khc Hn mc tn dng

751,635 207,377 143,092

Vn lu ng rng = VCSH + N di hn TSDH

= 2,349,634 420,000 - 2,0180,00

Hn mc tn dng = Nhu cu VL VL rng Vn khc = 1,102,104 751,635 - 207377

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:
Tnh li v thu n: Tin li c tnh theo phng php tch s.

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3.1.3 Phng thc tn dng (phng thc cho vay):

Tin li hng thng = Tng s d tnh li x Li sut cho vay thng/ 30 Tin li hng thng = DiNi x Li sut/30 Vi: Di: s d n cui ngy

Ni: S ngy s dng

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:

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V d: Tnh li cho DN ABC c cc s liu lin quan khon

vay HMTD nh sau (li sut 1.2%/thng):
Ngy thng 1/3 6/3 10/3 14/3 18/3 23/3 26/3 30/3 Di (Triu ng) 5,600 6,000 4,900 4,500 5,500 6,000 5,500 5,000 Cng Li vay Ni (ngy) 5 4 4 4 5 3 4 1 Di*Ni (triu ng) 28,000 24,000 19,600 18,000 27,500 18,000 22,000 5,000 162,100 64.84

3.1 KHI QUT HOT NG TN DNG

Ni dung pht sinh S d u k 1/3 chi tr tin cng trong thng 30/3 tr tin n mua NVL 10/3 Thu tin bn hng tin mt 15/3 Chi tr tin mua CCL T1 17/3 Chi tr khc 20/3 Thu tin bn hng thng 2 22/3 Tr tin mua thit b T1 24/3 Tr chi ph QL v SX 25/3 Chi np thu 27/3 Rt tin mt nhp qu Tng cng 50 70 20 5 1 180 200 35 20 40 202 40 220 40 50 152 23 22 180 152 0 48 35 20 40 213 70 50 0 S TK Tin gi tin N C S d 78 28 70 20 TK Tin vay N C

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V d: Gii ngn v thu n trn TK tin vay, tin gi DN ABC, HMTD 143 tr
S d

70 50

48 83 103 143 143

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:

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Lu :
Cc bin php gim st trong qu trnh cho vay theo hn mc tn dng rt quan trng: Quy nh doanh s tr n theo nh k Quy nh cc mc d n gim thp

Quy nh k hn c th cho mi ln gii ngn

Xc nh vng quay vn tn dng ph hp

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng:

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Lu :
Thanh l hp ng hn mc tn dng: - Thng kt thc sau mt thi gian hiu lc (thng l 1 nm). - Doanh nghip v ngn hng tip tc k hp ng hn

mc tn dng cho k k hoch ti.

- Doanh nghip v ngn hng khng tip tc k kt hp ng TD.

3.1 KHI QUT HOT NG TN DNG

3.1.3.2 Cho vay theo hn mc tn dng: So snh vi Cho vay tng ln (Cho vay theo mn) Cho vay tng ln Cho vay theo HMTD Cho vay theo i tng c th VL thiu ht

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Xc nh trn c s PA kinh doanh v cc chng t khc

Mi khon vay c mt k hn n c th

Xc nh HMTD trn c s KHKD v chng t khc

Xc nh chung cho tt c cc khon n, khng nh ring cho tng ln gii ngn

DN t uy tn quan h khng DN uy tn c quan h thng thng xuyn vi NH xuyn

3.1 KHI QUT HOT NG TN DNG

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3.1.3.2 Cho vay theo hn mc tn dng: Tho lun: - u nhc im ca phng php cho vay tng ln v cho vay theo hn mc tn dng trn c s i vi KH v i vi NH. -

3.1 KHI QUT HOT NG TN DNG

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3.1.3.3 Cho vay thu chi: Khi nim: Cho vay thu chi (Overdraft) l hnh thc cp tn dng ca TCTD cho KH bng cch cho php KH chi vt 1 s tin nht nh trong ti khon tin gi thanh ton ca KH. c im: Cho KH c rt qu s d ca TK c ca tin gi thanh ton n mt hn mc nht nh hn mc thu chi. S dng mt ti khon (Ti khon vng lai Current Account) bao gm c tin gi v tin vay Ch yu nhm mc ch cho vay p ng cc nhu cu tiu dng ny sinh bt chtngn hng c th ty vo uy tn hoc chnh sch ca mnh m cp cho hn mc

3.1 KHI QUT HOT NG TN DNG

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3.1.3.3 Cho vay thu chi: c im: Cho KH c rt qu s d ca TK c ca tin gi thanh ton n mt hn mc nht nh hn mc thu chi. S dng mt ti khon (Ti khon vng lai Current Account) bao gm c tin gi v tin vay Ch yu nhm mc ch cho vay p ng cc nhu cu tiu dng ny sinh bt chtngn hng c th ty vo uy tn hoc chnh sch ca mnh m cp cho hn mc thu chi c ti sn m bo hoc khn

3.1 KHI QUT HOT NG TN DNG

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3.1.3.3 Cho vay thu chi: Gii ngn: Gii ngn t bn n ca ti khon vng li. S tin gii ngn trong phm vi kh dng STGN= HMTC + d c d n (ti khon vng lai) Thu n: Chuyn thng vo bn c ca ti khon vng lai Tnh li vay: Ch tr li trong nhng ngy khon thc t d n, sau khi b tr vi li ti khon d c. Thi hn: Thi im ghi n v ghi c ti khon thng rt ngn, c th din ra trong ngy.

3.1 KHI QUT HOT NG TN DNG

3.1.3.3 Cho vay thu chi:
Ni dung pht sinh S tin Pht Pht sinh n sinh c S TK 78 50 70 20 5 1 180 200 35 20 40 200 35 20 40 5 1 180 50 70 20 28 -42 -22 -27 -28 152 -48 -83 -103 -143

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S d u k 1/3 chi tr tin cng trong thng 30/3 tr tin n mua NVL 10/3 Thu tin bn hng tin mt 15/3 Chi tr tin mua CCL T1 17/3 Chi tr khc 20/3 Thu tin bn hng thng 2 22/3 Tr tin mua thit b T1 24/3 Tr chi ph QL v SX 25/3 Chi np thu 27/3 Rt tin mt nhp qu Tng cng