I HC NNG

TRNG I HC KINH T
KHOA TI CHNH NGN HNG

TI
HTTT QUN L HOT NG CHO
VAY TIU DNG TI NGN HNG TMCP BN VITHI CHU,
NNG

GVHD

DS nhm :

Nguyn B Th
L Quang Hi
Hunh Thy Vi
L Nguyn Anh Th
L Quang L Hi
L Th Thu Hin

39k15
39k15
39k15
39k15
39k15

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

MC LC
1.

C S L LUN................................................................................................................ 2
1.1.

Gii thiu chung........................................................................................................... 2

1.2.

Tng quan v cho vay tiu dng ca Ngn hng TMCP Bn Vit............................................3

1.2.1.

Khi nim.............................................................................................................. 3

1.2.2.

c im sn phm................................................................................................. 3

1.2.3.

iu kin vay.......................................................................................................... 3

1.2.4.

H s.................................................................................................................... 3

1.3.

1.3.1.

Hng dn v tip nhn lp h s:............................................................................. 3

1.3.2.

Thm nh............................................................................................................. 3

1.3.3.

Ra quyt nh:........................................................................................................ 4

1.3.4.

Gii ngn:............................................................................................................. 4

1.3.5.

Gim st:............................................................................................................... 4

1.4.

2.

Bi ton quy trnh Bi ton quy trnh................................................................................ 3

u vo, u ra............................................................................................................. 4

1.4.1.

u vo................................................................................................................. 4

1.4.2.

u ra................................................................................................................... 7

PHN TCH, KHO ST, THIT K..................................................................................11

2.1.

S vt l................................................................................................................ 11

2.2.

M t mc lun l....................................................................................................... 13

2.2.1.

S chc nng.................................................................................................... 13

2.2.2.

S dng chy d liu.......................................................................................... 13

2.2.2.1.

S dng chy d liu mc ng cnh................................................................13

2.2.2.2.

S dng chy d liu mc 0..........................................................................14

2.2.2.3.

S dng chy d liu mc 1........................................................................15

2.3.

M t qu trnh bng s logic.................................................................................... 18

2.4.

Thit k c s s liu cho h thng.................................................................................. 18

2.4.1.

Xc nh thc th trong HTTT v thuc tnh cho mi thc th...................................20

2.4.2.

Mi quan h gia cc thc th - V s thc th mi quan h...................................21

2.4.3.

Chun ha cc thc th v hnh thnh m hnh d liu logic......................................23

2.4.4.

Thit k cc bng lu tr d liu vt l..................................................................25

1. C S L LUN
1.1. Gii thiu chung
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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

Ngn hng TMCP Bn Vit (Viet Capital Bank) c thnh lp t nm 1992 vi tn gi

trc y l Ngn hng TMCP Gia nh.

Tri qua 24 nm hot ng, vi nhiu thay i, n nay vi tm nhn v chin lc kinh
doanh ng n, Viet Capital Bank ang dn khng nh v th ca mnh trn th trng ti chnh
ngn hng vi kh nng p ng linh hot cc nhu cu v a dng v sn phm dch v, tin ch
ca Khch hng v i ng nhn s nng ng.

Ngn hng hoch nh v tp trung thc hin chin lc pht trin cho giai on mi
2016 - 2020.
Ngn hng TMCP Bn vit chi nhnh Nng c thnh lp vo ngy 18/12/2007, cung
cp cho Qu khch nhng phng thc giao dch ngn hng hin i vi nhiu cng c hu ch
nh: Internet Banking, SMS Banking, Mobile banking, Phone Banking l nhng gii php ti
u gip tit kim thi gian, chi ph cho Qu khch. Ngn hng Bn Vit ang bc vo giai on
pht trin cng ngnh ngn hng Vit Nam v qu trnh hi nhp kinh t quc t vi nhiu thch
thc, c hi pht trin.
TM NHN
Tr thnh Ngn hng a nng, hin i, hng n Khch hng, c bit vi nhm Khch
hng c nhn v Khch hng doanh nghip va v nh.

GI TR CT LI
- Tin cy - Chng ti pht trin bn vng, to s tin cy cho Khch hng, c ng v duy tr
o c kinh doanh.
- Hiu qu - Chng ti xy dng chin lc kinh doanh mt cch hiu qu, ph hp da
trn nn tng bn vng.
- Chuyn nghip - Chng ti lun chuyn nghip trong sn phm, trong dch v v con
ngi.
- i mi v nng ng - Chng ti lun i mi thch nghi, lun nng ng vt
tri.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

- Khch hng l trung tm - Chng ti xy dng cc gi tr, sn phm v dch v p ng

nhu cu thc s ca khch hng.
Hm nay ti Qun l cho vay tiu dng khng Ti sn m bo ti Ngn hng
MTCP Bn Vit ca chng em s i su vo quy trnh hot ng vay vn ti ngn hng MTCP
Bn Vit ti chi nhnh qun Hi Chu Nng, n l cng c gip vic qun l thng tin i
tc, v cc cng vic qun l ca ngn hng ngy cng c thun tin, d dng, tit kim thi
gian, tin ca v hiu qu cao.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

1.2.

Tng quan v cho vay tiu dng ca Ngn hng TMCP Bn Vit
1.2.1. Khi nim.

Vay tiu dng l sn phm tn dng h tr khch hng c nhn c thm ngun ti chnh p
ng cc nhu cu sinh hot tiu dng nh mua sm vt dng gia nh, hc tp, du lch, khm cha
bnh
1.2.2. c im sn phm.
- Khng cn ti sn m bo.
- Loi tin vay: VND
- S tin vay: ln n 300 triu ng
- Thi gian vay: ti a 60 thng
- Li sut vay: linh hot theo d n ban u hoc d n gim dn.
- Phng thc tr n: tr gp (vn v li) hng thng.
1.2.3. iu kin vay.
- Mc ch s dng vn phc v tiu dng hp php.
- C ngun thu nhp m bo tr n (t lng, sn xut kinh doanh, cho thu nh).
- Thi gian lm vic ti n v hin ti ti thiu 12 thng.
1.2.4. H s.
- Giy ngh vay vn kim phng n kinh doanh v k hoch tr n(theo mu ca Viet
Capital Bank ti y).
- Bn sao CMND, HK/KT3 ca ngi vay v ngi bo lnh (nu c).
- H s ti sn th chp.
- H s chng minh thu nhp v kh nng tr n.
1.3. Bi ton quy trnh Bi ton quy trnh
1.3.1. Hng dn v tip nhn lp h s:
- Khi khch hng c nhu cu vay vn tiu dng s n b phn hng dn khch hng ca
Ngn hng. Lc ny, b phn s cung cp cho khch hng mt b h s mu v hng dn c
th.
- Sau khi hon thnh, khch hng s em h s km theo chng t n b phn hng dn.
Lc ny, nhn vin b phn s xem xt s b v:
+ Chuyn tr li h s nu h s khng hp l, thiu, khng nm trong chnh sch cho vay
ca NH
+ Nu h s hp l s c chuyn qua b phn thm nh.
1.3.2. Thm nh.
- Sau khi nhn c h s vay vn, cn b thm nh v tin hnh thm nh tn dng.
nh gi xem:
+ Khch hng c y nng lc php lut dn s, nng lc hnh vi dn s khng?
+ Mc ch s dng vn c hp php khng?
+ Thu nhp c nhn ca khch hng
+ Cc ngun thu nhp khc m khch hng c th s dng tr n.
+ Thi ca khch hng trong vic tr n vay.
GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

- Trong qu trnh thm nh, cn b tn dng c th tham kho cc thng tin v khch hng
thng qua Trung tm thng tin tn dng ca Ngn hng Nh nc Vit Nam CIC v trong ni b
(nu l khch hng c ) hoc ti c quan, ni c tr(nu l khch hng mi).
- Sau khi thm nh th cn b tn dng s lp t trnh thm nh cng h s vay vn hp l ln
Ban Gim c ngn hng Bn Vit, chi nhnh Nng.
1.3.3. Ra quyt nh.
Sau khi xem xt, gim c s ph duyt:
+ Nht tr vi T trnh T: Gim c s gi bng quyt nh v cho BP.QLTD, Cn b tn
dng s thng bo cho khch hng bit bng cch gi thng bo ng cp tn dng v hng
dn khch hng lm th tc v tin hnh k Hp ng tn dng.
Ti y sao thnh 3 bn HTD, bn chnh c lu ti Ban Gim c, 3 bn sao, 1 bn
c chuyn cho Khch hng, 2 bn cn li chuyn cho B phn ngn qu v B phn gim st.
+ Khng nht tr: cn b thm nh s gi cho khch hng (Thng bo t cp tn dng).
1.3.4. Gii ngn.
Nhn Bn quyt nh cp tn dng (bn sao) v HTD (bn sao) tin hnh gii ngn
cho KH bng cch chuyn tin gi qua ti khon cho KH. Sau cho ra bn Giy nhn n, sao
thnh 2 bn, 1 bn thng bo cho KH, 1 bn lu ti b phn Gii ngn
1.3.5. Gim st.
B phn gim st nhn HTD (bn sao) v tin hnh gim st tn dng i vi KH. Lp
bng kt qu gim st, ri t xem xt KH c thc hin ng hp ng hay khng. Nu ng
th tin hnh thanh l HTD mc nhin v kt thc HTD. Nu khng ng vi H th u tin
l c nhng bin php nh cnh co, ngng gii ngn hay ti xt tn dng, m KH vn khng
thc hin ng th tin hnh thanh l HTD bt buc v kt thc H.
1.4. u vo, u ra.
1.4.1. u vo.
MB.TD.GNVV.02

Giy ngh vay vn kim phng n

kinh doanh v k hoch tr n

n v kinh doanh
...............................................
Dng cho Khch hng c nhn vay SXKD

KNH GI: NGN HNG THNG MI C PHN BN VIT (NGN HNG BN

VIT)

I. Thng tin chung ca ngi ngh vay

vn
H tn ngi ngh: .......................................................... Ngy sinh ..........................................................................................................
CMND/H chiu s: .............................................................. Ngy cp: ...............................Ni cp: .............................................................
ng k HK thng tr ti:...............................................................................................................................................................................

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng
Ni hin ti (nu khc vi HK thng tr).....................................................................................................................................................
in thoi c nh: ................................................................ Di ng:.............................................................................................................

H v tn ca V/chng ngi ngh: ...........................................................................................................................................................

S hc
CMND/H
chiu:
..............................................................
Trn
i hc
i hc/Cao ng Ngy
Trnh
vn:
.............................................................
c thn
lp gia nh
Tnh trng hn nhn:

cp:Trung cp/trung
...............................Ni

hc & di trung hccp:

II. Thng tin v hot ng kinh doanh

Ngnh ngh kinh doanh (chi tit):.................................................................... ................................................................................................
Giy Chng nhn KKD s: ...........................................................................ngy cp ...........................ni cp...........................................
Giy t php l khc v HKD:........................................................................................................................................................................
a im kinh doanh hin ti: ...........................................................................................................................................................................
Tnh trng s hu a im kinh doanh ca ngi vay vn:

Nh ring & ang

Nh s hu
Nh ca b m
Thu thi hn cn li trn 03 nm
Thu khc
S nm kinh nghim trong lnh vc kinh doanh hin ti:...................................................................................................................................
S lao ng ang thu: ....................................................................................................................................................................................
Cc n v cung cp hng ha, sn phm ch yu:
-

.........................................................................................................................................................................................................

.........................................................................................................................................................................................................

Hnh thc thanh ton cho cc n v cung cp:

Chuyn khon

Chuyn khon v tin mt

Tin mt

Cc khch hng mua hng ch yu:

-

.........................................................................................................................................................................................................

.........................................................................................................................................................................................................

Doanh thu bnh qun nm gn nht: ......................................... triu

ng/nm
Cc thng c doanh thu cao trong nm: ...........................................................................................................................................................
T l li nhun (sau khi tr cc chi ph)/Doanh thu bnh qun: .........................................................................................................................
III. Thng tin v ti sn, ti khon v cc khon vay ti cc t chc tn dng ca ngi
ngh
Cc ti sn ang s hu:
Loi ti sn

Gi th trng hin ti (triu

M t ti sn

ng)

Bt ng sn
ng sn
Tin gi c k hn ti cc ngn hng
Gi tr Hp ng Bo him nhn th
C phiu, tri phiu
Khc
Cc khon vay ti cc t chc tn dng khc:
STT

Tn t chc Tn dng

tng c n qu hn:

GVHD: Nguyn B Th

Hn mc vay

Khng
Trang 6

D n hin ti

Thi hn

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng
IV. Phng n kinh doanh
1. Loi hnh, mt hng kinh doanh: ................................................................................................................................................................
2. Doanh s bn hng d kin: ......................................................................................................................................................................
3. Tng chi ph kinh doanh: .................................................Trong :
Chi ph mua hng ha

Chi ph li vay

Chi ph thu nhn cng

Thu phi np

Chi ph thu a im kinh doanh

Chi ph khc

4. S vn t c trong kinh doanh: ..................................................................................................................................................................

5. Nhu cu vn vay: .......................................................................................................................................................................................
6. Li nhun:..................................................................................................................................................................................................
V. Nhu cu vay vn, k hoch tr n
ngh Qu Ngn hng cung cp cho ti cc khon tn dng vi ni dung
sau:
1. Mc ch vay vn:.....................................................................................................................................................................................
2.
S
tin/Hn
mc

..................................................................................................................................................................

ngh

vay:

Bng s: .....................................................................................................................................................................................................
Bng ch: ...................................................................................................................................................................................................
3. Thi hn vay: ............................................................................................................................................................................................
4. K tr n gc i vi vay theo mn:

Hng thng

Hng qu

Cui k

Khc: ..............................

VI. Cam kt ca khch hng

.........., ngy.......thng......nm.........
S dng vn vay ng mc ch nu trong Giy ngh ny;
Ngi ngh
Dng ngun thu nhp t hot ng kinh doanh v cc ngun thu nhp khc
u tin thanh ton cho cc khon n gc v li, ph pht sinh ng k hn
cho Ngn hng Bn Vit;
Trong trng hp c kh khn khng tr c n, Ngn hng Bn Vit c
ton quyn x l ti sn bo m thu hi n ng thi ti s c trch
nhim dng cc ti sn v thu nhp khc tr n ;
Ti xin cam kt nhng thng tin nu ti giy ngh ny l hon ton ng s
tht v chu trch nhim trc php lut v cc cam kt ca mnh.

Xc nhn ca ng s hu cho khon vay

...........ngy......thng......nm...........

GVHD: Nguyn B Th

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(K v ghi r h tn)

1.4.2. u ra.
NGN HNG CPTM BN VIT

CNG HA X HI CH NGHA VIT NAM

Chi nhnh: ........................

c lp T do Hnh phc
Ngy......thng.......nm 200.....

BO CO
THM NH V NGH DUYT CHO KHCH HNG VAY VN
(p dng vi h gia nh c nhn)
I- Thng tin c bn, t cch v nng lc ca khch hng:
- H v tn khch hng:......................................................................Sinh nm.....................................
- Tn thng gi:................................................................................
- S CMT:................................................Ngy cp:.................................Ni cp:...............................
- Ni c tr: Thn (p)......................................X (phng).................................................................
Huyn (th x)................................................Tnh (thnh ph)...........................................................
- Ngh nghip...................................................
- Giy chng nhn quyn s dng rung t, mt nc (s.................................., ngy cp.................
ni cp:..........................................................Thi hn hiu lc cn li..............................................)
- Hp ng hp tc c chng thc ca UBND x, phng, th trn cho php hot ng (i vi t HT), hp ng giao
khon, hp ng thu t, hp ng u thu (s.................................................
ngy..................................................................)
- Giy php kinh doanh (h kinh doanh), s....., ngy cp...............
ni cp:..........................................................., thi gian hiu lc cn li..........................................)
- Khch hng c nng lc thc hin thnh cng phng n: C. Khng
- Quan h tn dng ca khch hng:.....................................................................................................
N qu hn trn 6 thng, n kh i i vi Ngn hng: C

Khng

- a im sn xut kinh doanh:...........................................................................................................

Khch hng c t cch v nng lc vay vn:
C Khng
II- Tnh hnh kh nng ti chnh ca khch hng:
1- Tnh hnh sn xut kinh doanh:
Tng thu:................................................................Tng chi:..............................................................
Chnh lch thu chi (tng thu tng chi):.............................................................................................
2- Tnh hnh ti sn:..............................................................................................................................
.............................................................................................................................................................
3- Tnh hnh cng n:
-N phi tr.............................................................ng
Trong : + D n vay ca NH..............................................., Qu hn:.......................................
+ D n ca cc TCTD:.................................., Qu hn:.......................................
+ D n ca cc i tng khc....................., Qu hn:.......................................
- N phi thu:..........................................................................ng

Trong : + N kh thu...........................................................

4- Nhn xt:......................................................................................................................................
..........................................................................................................................................................
Khch hng c kh nng ti chnh: C

Khng

III- Mc ch vay vn:

1- Mc ch s dng tin vay: ................................................................................................................
................................................................................................................................................................
................................................................................................................................................................
Mc ch vay vn c hp php: C

Khng

IV- D n, phng n sn xut kinh doanh:

1- Thm nh tnh kh thi v mt k thut ca d n, phng n SXKD.
a. Kh nng cung cp cc yu t u vo v s bo m cc yu t k thut ca d n, phng n SXKD
................................................................................................................................................................
b. Kh nng tiu th sn phm:
Th trng tiu th sn phm hin ti v tng lai loi sn phm d n, phng n SX ra.
................................................................................................................................................................
................................................................................................................................................................
D n, phng n c tnh kh thi v mt k thut:

Khng

2- Thm nh v mt ti chnh ca d n, phng n SXKD.

- i vi nhng phng n c s tin vay nh th s dng nhng ch tiu sau:
+ Tng thu

:.........................................ng...Tng chi:................................................ng
........................................... ........................................................................................
........................................... ........................................................................................
........................................... ........................................................................................

Thu nhp thun:......................................ng (tng thu tng chi).

- i vi nhng d n c s tin vay ln hn th s dng nhng ch tiu sau nh gi:
+ NPV:....................................................IRR.............................T l thu nhp/chi ph.........................
Nhn xt:.................................................
D n, phng n c tnh kh thi v mt ti chnh: C

Khng

3- Tng nhu cu vn:..............................ng, trong :......................................................................

...................................................................
...................................................................
...................................................................
...................................................................
Trong vn t c: ..................................ng, chim.....................% trong tng vn u t.
4- Vn ngh vay NH.............................. ng, li sut..................thi hn vay:..............................
5- Tin pht tin vay: + Thng/nm......s tin..............................
+ Thng/nm. s tin..............................
+ Thng/nm. s tin..............................
6- K hoch tr n (phn k hn n)....................................................................................................
V- Thm nh v mi trng:

1- D n, phng n c nh hng n mi trng:

Khng

...............................................................................................................................................................
...............................................................................................................................................................
2- Bin php x l mi trng:..............................................................................................................
...............................................................................................................................................................
...............................................................................................................................................................
iu kin mi trng ca d n, phng n c m bo: C

Khng ....

VI- Kt lun v kin ngh ca CBTD

1- Sau khi thm nh ti khng ng cho vay, v l do:
...............................................................................................................................................................
...............................................................................................................................................................
2- Ti ng cho vay, ngh Gm c xt duyt:
- S tin cho vay:...................................................................................................................................
- Li sut cho vay:.................................................................................................................................
- Thi hn cho vay:....................................................hn tr n cui cng...........................................
- Phng thc cho vay:..........................................................................................................................
- Tin pht tin vay: + Thng/nm.......s tin..............................
+ Thng/nm. s tin..............................
+ Thng/nm. s tin..............................
Phn k tr n:.......................................................................................................................................
3- Kin ngh khc:.................................................................................................................................
...............................................................................................................................................................
...............................................................................................................................................................
...............................................................................................................................................................
...............................................................................................................................................................
Cn b tn dng
(K, ghi r h tn)
VIII- kin trng phng kinh doanh:
1- Sau khi nghin cu li h s vay vn v bo co thm nh ca CBTD ti khng ng cho vay v:
...............................................................................................................................................................
2- Ti chp thun kin thm nh ca CBTD, ngh Gm c xt duyt:
- S tin cho vay:...................................................................................................................................
- Li sut cho vay:.................................................................................................................................
- Thi hn cho vay:....................................................hn tr n cui cng...........................................
- Phng thc cho vay:..........................................................................................................................
- Tin pht tin vay: + Thng/nm.......s tin..............................
+ Thng/nm. s tin..............................
+ Thng/nm. s tin..............................
Phn k tr n:.......................................................................................................................................
3- Kin ngh khc:.................................................................................................................................
...............................................................................................................................................................
............, ngy......thng.......nm........
Trng phng kinh doanh

(K, ghi r h tn)

IX- Quyt nh ca Gim c

1- Khng chp thun cho vay v:...........................................................................................................
2- Duyt cho vay:..................................................................................................................................
- S tin cho vay:...................................................................................................................................
- Li sut cho vay:.................................................................................................................................
- Thi hn cho vay:....................................................hn tr n cui cng...........................................
- Phn k tr n:....................................................................................................................................
- Phng thc gii ngn:........................................................................................................................
- Tin pht tin vay: + Thng/nm.......s tin..............................
+ Thng/nm. s tin..............................
+ Thng/nm. s tin..............................
Phn k tr n:.......................................................................................................................................
3- Kin ngh khc:.................................................................................................................................
...............................................................................................................................................................
Ngy......thng.......nm........
Gim c

2. PHN TCH, KHO ST, THIT K.

2.1. S vt l.
KHCH HNG

B PHN HNG DN
KHCH HNG

B PHN QUN L TN
DNG

BAN GIM C

B P

H s
hng dn

Chng t
km theo

H s vay
vn

Mu giy
ngh vay vn

HSVV hp l

Thm nh
Hng dn lm
HSVV

H s hng
dn

T trnh thm nh
T trnh
khng c
ph duyt

T trnh
c ph
duyt

HSVV hp l

T trnh thmTheoT
di,trnh
gimT
st
nh
c ph duyt
Xem xt, ph duyt TD H vi
Gii ngn
phm
T trnh
c
ph
duyt

T trnh
H khng
Gy nhn n
khng
vi phm
c ph
duyt
SaoCnh
chpbo

H s vay vn
Lp thng bo
HSVV
khng hp l

HSVV
khng
hp l

HSVV
hp l

TB t chi
cp TD

TB cp
TD

TB cp TD
HTD son

H TL BB
H TL MN

K HTD
HTD k

1
H mc
Giy nhn
nhin
n
H thanh
l bt buc

Sao chp
Son HTD

Giy nhn n

HTD son

Kim tra

TB t chi cp
TD

HTD

HTD
HTD

1
Kt thc
HTD

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.2.

M t mc lun l
2.2.1. S chc nng.

2.2.2. S dng chy d liu.

2.2.2.1. S dng chy d liu mc ng cnh.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.2.2.2.

GVHD: Nguyn B Th

S dng chy d liu mc 0.

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.2.2.3. S dng chy d liu mc 1.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.3.

M t qu trnh bng s logic.

S logic hng dn lm h s.

S logic qu trnh xt duyt h s.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

S logic qu trnh gii ngn & gim st.

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.4.

Thit k c s s liu cho h thng.

2.4.1. Xc nh thc th trong HTTT v thuc tnh cho mi thc th.

STT
1

THC TH
KHCH HNG

NHN VIN

CHC V

PHNG BAN

H S VAY VN

HP NG TN
DNG

GVHD: Nguyn B Th

THUC TNH
M khch hng#, tn khch hng, ngy sinh, gii
tnh, a ch, CMND, ST, email, s ti khon, M
ti khon.
M nhn vin#, tn nhn vin, ngy sinh, gii tnh,
CMND, email, M phng ban, M chc v.
M chc v#, tn chc v.
M phng ban#, tn phng ban, M nhn vin, m
chc v, s in thoi phng ban.
M h s vay vn#, tn h s, ngy lp h s, M
khch hng, s tin vay, mc ch vay vn, thi hn
vay.
M hp ng #, tn hp ng, ngy k kt, M
khch hng, tn khch hng, M nhn vin, tn
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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

nhn vin, M k hn*, tn k hn*, s tin vay*, li

sut*.
T TRINH THM
M t trnh#, tn t trnh, ngy lp t trnh, s tin
INH
vay, thi hn, phng n thu tr n, M nhn
vin, M khch hng.
THNG BO CP TN M thng bo#, ngy c hiu lc, l do ng , M
DNG
khch hng, M t trnh.

THNG BO T
CHI CP TN DNG

M thng bo#, ngy c hiu lc, l do t chi, M

khch hng, M t trnh.

10

GIY NHN N

11

TI KHON

M giy nhn n#, tn giy nhn n, s tin

chuyn, ngy chuyn, tng tin, M khch hng,
M hp ng.
M ti khon#, tn ti khon, M khch hng, s d

2.4.2. Mi quan h gia cc thc th - V s thc th mi quan h.

Thc th

Thc th

Tn mi quan h

KHCH HNG

H S VAY VN

c/ thuc v

1:n

KHCH HNG

NHN VIN

Lm vic

n:n

KHCH HNG

HP NG TN DNG

K/thuc v

1:n

KHCH HNG

THNG BO

c nhn/gi n

1:n

KHCH HNG

TI KHON

c/ thuc v

1:1

NHN VIN

H S VAY VN

X l/tip nhn

1:n

NHN VIN

T TRINH THM INH

To lp

1:n

NHN VIN

HP NG TN DNG

To lp

1:n

NHN VIN

CHC V

m nhn/ gi

n:1

NHN VIN

PHNG BAN

Thuc v

n:1

GIY NHN N

HP NG TN DNG

Thuc v

n:1

GVHD: Nguyn B Th

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Mi
quan h

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

H S VAY VN

HP NG TN DNG

C s hnh thnh

1:1

HP NG TN DNG

T TRINH THM INH

C/ thuc v

1:1

NHN VIN

GIY NHN N

To lp

1:n

NHN VIN

THNG BO

To lp

1:n

KHCH HNG

GIY NHN N

c nhn/gi n

1:n

THNG BO

H S VAY VN

Thu c v

n:1

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.4.3. Chun ha cc thc th v hnh thnh m hnh d liu logic.

HP NG TN DNG (M hp ng#, tn hp ng, ngy k kt, m khch hng, tn khch
hng, M nhn vin, tn nhn vin, M k hn*, tn k hn*, s tin vay*, li sut*)
-a v dng 1NF:
HP NG TN DNG (M hp ng#, tn hp ng, ngy k kt, M khch hng, tn khch
hng, M nhn vin, tn nhn vin)
CHI TIT HP NG TN DNG (M hp ng#, M k hn#, tn k hn, s tin vay, li sut)
-a v dng 2NF:
HP NG TN DNG (M hp ng#, tn hp ng, ngy k kt, M khch hng, tn khch
hng, M nhn vin, tn nhn vin)
CHI TIT HP NG TN DNG (M hp ng#, M k hn#, s tin vay)
KI HN (M k hn#, tn k hn, li sut)
-a v dng 3NF:
HP NG TN DNG (M hp ng#, tn hp ng, ngy k kt, M khch hng, M nhn vin)
KHCH HNG (M khch hng#, tn khch hng)
NHN VIN (M nhn vin#, tn nhn vin)

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

GVHD: Nguyn B Th

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 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

2.4.4. Thit k cc bng lu tr d liu vt l.

1. KHCH HNG
STT Tn trng

Kiu d liu

1
2
3
4
5
6
7
8
9
10
11

Text
Text
Text
Date/time
Yes/No
Number
Number
Text
Text
Number
Text

Makh
Tenkh
DiaChi
Ngaysinh
Gioitinh
SDT
SoCMND
Nghenghiep
Donvi
Sotk
Matk

Kch
thc
10
30
30
10
15
15
30
30
10
10

M t

Ghi ch

M s khch hng
H tn khch hng
a ch
Ngy sinh
Gii tnh
S in thoi
S CMND
Ngh nghip
n v cng tc
S ti khon
M ti khon

2. NHN VIN
STT Tn trng

Kiu d liu

1
2
3
4
5
6
7

Text
Text
Text
Number
Date/time
Yes/no
Text

Manv
Tennv
Diachi
SDT
Ngaysinh
Gioitinh
Macv

Kch
thc
10
30
30
15
10
10

3. PHNG BAN
GVHD: Nguyn B Th

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M t
M nhn vin
H tn
a ch
S in thoi
Ngy sinh
Gii tnh
M chc v

Ghi ch

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

STT Tn trng

Kiu d liu

1
2
3

text
Text
text

Mapb
Tenpb
Manv

Kch
thc
10
30
10

M t

Kch
thc
10
30
10

M t

Kch
thc
10
10
30
10
30

M t

Kch
thc
10
30
10

M t

Ghi ch

M phng ban
Tn phng ban
M nhn vin

4. CHC V
STT Tn trng

Kiu d liu

1
2
3

Text
Text
Text

Macv
Tencv
Manv

Ghi ch

M chc v
Tn chc v
M nhn vin

5. H S VAY VN
STT Tn trng

Kiu d liu

1
2
3
4
5

Text
Text
Text
Date/time
Number

Mahoso
Makh
Tenkh
Ngaychungtu
Hanmuc

Ghi ch

M s h s ng k
M s khch hng
Tn khch hng
Ngy chng t
Hn mc tn dng

6. HP NG TN DNG
STT Tn trng

Kiu d liu

1
2
3

Text
Text
Date/time

Mahd
Tenhd
Ngaykk

7. CHI TIT HP NG TN DNG

GVHD: Nguyn B Th

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M hp ng
Tn hp ng
Ngy k kt

Ghi ch

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

STT Tn trng

Kiu d liu

1
2
3
4
5

Text
Text
Text
Number
Number

Mahd
Makihan
Tenkihan
Sotv
Ls

Kch
thc
10
10
30
30
10

M t

Kch
thc
10
10

M t

M t

Ghi ch

M hp ng
M k hn
Tn k hn
S tin vay
Li sut

8. LI SUT
STT Tn trng

Kiu d liu

1
2

Text
Number

Mahd
Ls

Ghi ch

M hp ng
Li sut

9. T THM NH
STT Tn trng

Kiu d liu

Matotrinh

Text

Kch
thc
10

2
3
4
5
6
7
8
9

Tentotrinh
Ngaytd
Sotv
Thoihan
Tsdb
Pathuno
Mahoso
Manv

Text
Date/time
Number
Date/time
Text
Text
Text
Text

30
10
30
10
30
100
10
10

M s t trnh thm
nh
Tn t trnh
Ngy thm nh
S tin vay
Thi hn
Ti sn m bo
Phng n thu n
M s h s ng k
M s nhn vin

Kch

M t

Ghi ch

10. TH T CHI CHO VAY

STT Tn trng
GVHD: Nguyn B Th

Kiu d liu

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Ghi ch

 ti: HTTT Qun l hot ng cho vay tiu dng ti chi nhnh TMCP Bn Vit - Hi Chu, Nng

1
2
3
4
5

Mathutc
Ngaycohl
Lydo
Makh
Matotrinh

Text
Date/time
Text
Text
Text

thc
10
10
100
10
10

M th t chi
Ngy c hiu lc
L do t chi
M s khch hng
M s t trnh thm
nh

11. PHIU XC NHN CHUYN TIN

STT Tn trng

Kiu d liu

1
2
3
4
5

Text
Text
Number
Date/time
Text

Maphieu
Tenphieu
Stdachuyen
Ngaychuyen
Makh

Kch
thc
10
30
30
10
10

M t

Kch
thc
10
10

M t

Ghi ch

M phiu xc nhn
Tn phiu xc nhn
S tin chuyn
Ngy chuyn
M s khch hng

12. TI KHON
STT Tn trng

Kiu d liu

1
2

Text
Text

Tentk
Makh

GVHD: Nguyn B Th

Trang 29

Tn ti khon
M s khch hng

Ghi ch