VIETBANK

NGAN HANG VIET NAM THtfaNG TIN

LONG HOA XA HOI CHID NGHTA VIET NAM
Dc)c lap — Ty' do - Hanh phuc

S6: tC.(Z/2020/QD-TGD S6c Trang, ngay thang.nam 2020

QUYffT EINH
V/v Ban hanh hu'dng dan thgm dinh va danh gia nhu eau cap tin dung bd sung von d6ng

TONG GIAM DOC NGAN HANG TMCP VIET NAM THUONG TIN

Can cu' Quyet dinh so 14/2020/QD-HDOT ngay 13/03/2020 v/v bo nhiOm Tong gam dot Ngan hang
TMCF'Of Nam Thuang Tin;
Can cO' TO' trinh ngay /p} /2010//v Ban hanh huting dan thgm dinh va danh gia
nhu cau cap tin dung b6 sung von lu'u d6ng,

QUYgT D1NH:

Dieu 1. Ban hanh quy dinh "hu'Ong dan thgm dinh va danh gia nhu cau cap tin dung bd sung vdn lu'u d6ng".

Dieu 2. Quyat dinh nay co hiau Itfc kg tif ngay

Dieu 3. Cac Phong/Ban tai H6i sd; Don vi kinh doanh trong toan he thgng Vietbank co trach nhiam trie'n khai va
thi hanh Quyat dinh nay.

Q.TONG GIAM •C

Nil nhan:
- Nhu' Dieu 3 "de thqt hiOnl
Lu'u Van thu.

LE HUY DUNG
 FILICING DAN Ma so'
THAM DINH VA DANH GIA NHU CAU CAP TIN Lan BH 01 (.50/./2020)
,
ANG DUNG B6 SUNG VON LL!U DONG S6 trang 1/8

C.:1 PHAN HUtNG DAN

TH H GIA NHU cAu CAP TIN DUNG BO SUNG VON WU HONG
(Ban han t Binh so /2020/00- TGD ngay A../2020 cda Tecng gam deic Ngan hang
thu'o'ng mai coph;an Viet Nam Thu'o'ng Tin)

MUC LUC

I. MOT SO NOI DUNG Vt DINH HU'ONG KINH DOANH, TItP CAN KHACH HANG 2

II. PHAM VI AP DUNG 2

III. HU'ONG DAN CHI TILT VIEC THU THAP HO SO, THAM DINH KHACH HANG VA DANH GIA NHU CAU
CAP TIN DUNG 2

IV. QUY DINH CO LIEN QUAN 8

V. THEO DOI PHIEN BAN 8

NGAN HANG TMCP VIET NAM THLIONG TIN

(VIETBANK)
PHONG TIN DUNG DOANH NGHIEP
THANG NAM 2020
 HUCING DAN M5 s6
Lan BH 01 (C/2./2020)
VIIIITBANK
nCAN MAYG NASA 1.100.411/1
THAM DINH VA DANH GIA NHU CAU CAP TIN
DUNG BO SUNG VON LU'U DONG S6 trang 218

I. MOT SO NOI DUNG VE DINH HU'CING KINH DOANH, TItP CAN KHACH HANG
Cac khach muc tieu: khach hang co tinh hinh tai chinh minh bach va phu hdp dinh hu'Ong tin dung cua

Vietbank tUng thai

Hinh thtfc tai trd:
d6ng cho khach hang. TTKD lu'u y danh gia tong
Theo HMTD: Vietbank cap mot HMTD dg tai trd von
thg nhu eau khach hang, tuy theo nhu eau va dac digm host d6ng kinh doanh cua khach hang ma CO the
de xuat cep HMTD bao gom mot hoac nhigu hinh thiic cap tin dung sau (vay; bao lanh; phat hanh LC (DN
co host d6ng nhap khgu vOi phuong thac thanh toan la LC); chit khgu b6 chiing ttP xugt khgu (DN CO host

d6ng xugt khgu),...).

- Theo mon/tUng Ian: theo nhu cau/phu'ong an kinh doanh cu thg cua khach hang.
D6i viii khach hang co hoat d6ng xugt nhap khgu, co tinh hinh tai chinh minh bach, lanh manh có thg de xugt
them phan HMTD khOng co TSBD dung dg phat hanh cac loaf bao lanh CO ruf ro thgp, LC len den 50% gia tri
HMTD co TSBD (d6i vOi BOS bpi 1 co thg xem xet LTV toi da 100% gia tri tai san) => HMTD CO thg xem xet
d6i da Ign dgn 150% gia tri tai san. (cac tjt Ig nay can cif cac quy dinh hign hanh va có thg thay dgi theo tu'ng

thoi
II. PHAM VI AP DUNG
- - Ap dung dgi vdi cac hinh thac cep tin dung b6 sung v6n Ong.
SO, THAM DINH KHACH HANG VA DANN GIA NHU CAU CAP
III. HUIONG DAN CHI TIT VIEC THU THAP HO
TIN DUNG
- Ngoai b6 h6 sd theo quy dinh, TTKD lu'u thu thep them cac ho sd/thong tin
sau:
Dgi vdi khach hang co co nhu eau cap midi hoac vay them: thu thgp cac
chi:mg ttr chUng minh sy' hdp ly cua phuong an vay nhu' cac hdp Ong, thOa
thuan mua ban hang hoa dich vu, vigc (55 dau thu them nha xu'Ong/may m6c
Thu thap h6 sd
thigt lam quy m6 doanh thu, nhu cgu v6n IYu Ong tang.
Cac hop d6ng dgu ra, dgu vao (tgi thigu 5 hdp (Jong cho m6i bpi) tieu bleu

trong 12 thang gan hi- at dg danh gia dac digm mua ban, phuong thiic thanh
toan,...
hu'u, dieu hanh chu
- CO tiep xuc va ty' nhan dinh mot s6 thOng tin ve ngu'ai
ch6t cua cong ty: Kinh nghigm, uy tin, nang lyc quan Ijr, sd nhay ben trong kinh

doanh, am higu thi truing....

- Dla ban host d6ng kinh doanh.
- Khach hang co hoat d6ng xugt, nhap khgu khang? Phtiong thac thanh toan
Danh gia mot so not dung chinh?

2 ve hoat d6ng kinh doanh, - Tinh trang sd hau mat bang san xugt kinh doanh, kho,...
uy tin cua khach hang - Danh gia kinh nghigm hoat d6ng: khach hang d5 hoat d6ng bao lau trong finh
vu'c hign tai.
Uy tin trong ITnh vu'c host d6ng: Cac thOng tin tieu cu'c tren thi trudng.

- Dau vao, dau ra co tra cham khOng, theri gian tra cham t6i da.
- Phuong thCic quan Ij/ hang ton kho, khach hang co gin kho ngoai kh6ng?
- Uy tin quan hg vOi cac TCTD: thyc hign tra cCiu thong tin CIC cue khach hang va
 HU'CING DAN Ma s6
MTS
.
, ANIS THAM DINH VA DANN GIA NHU CAU CAP TIN Lan BH 01 (i.-)./.1../2020)
-
DUNG BO SUNG VON WU HONG S6 trang 3/8

khach hang lien quan theo huting dan tra th6ng tin CIC so 1043/2017/Q0-
TGD ngay 13/09/2017 (va cac van ban sira d6i/thay the/b6 sung/co lien quan
khac ngu co). Bgn canh do can xem xet tra Cal them thOng tin CIC cua cac
khach hang co m6i lien hg thu'c to theo thong tin ma ngutii tharn dinh co du'ac.
=> K6t qua cong vi0c: Nam du'oc dac digm hoat dOng kinh doanh cua khach hang
— Doanh thu:
+ Dann gia xu huting, trign vong, ban chat doanh thu.
+ Khach hang dung BCTC thue/kigm toan hay BCTC nOi bO dg trig hign tinh
hinh hoat Ong kinh doanh? Quy mo doanh so ghi co qua tai khoan co phu
hop voi quy mo doanh thu theo BCTC khach hang cung cap khong? PhtiOng
thu'c host dOng kinh doanh, thanh toan c6 phu hop vOi dac thu nganh nghe
host Ong kinh doanh khong?
+ TrutIng hop khach hang sCY dung BCTC nOi bo (doanh thu theo BCTC nOi Ix)
cao hcin doanh thu BCTC thug' 30% va khOng phi.' hop voi Tat th6 nganh kinh
doanh) va sao kg' tai khoan khong phu hop quy mo theo BCTC thi dy'a tren
cac co sift khac tdy theo timg truting hap dg utic tinh doanh thu thy'c tg khach
hang, nhu:
Danh gia higu qua hoat
• SO sach ghi chep theo cloi kinh doanh.
dOng kinh doanh
• Sao kg tai khoan cua cac ca nhan lien quan.
• C6ng suat may moo thigt bi/day chuyen san xuat.
— Chi phi, lai nhuan:
+ 1-9 le gia von hang ban co phii hop vOi dac thu nganh nghe kinh doanh
khOng?
• Doanh thu/ chi phi tai chinh co phu hop vOi quy mo dau to va du' na vay
kh6ng?
+ Cac thanh phan cua chi phi guar) 19 kinh doanh? Tinh hop l' cua cac chi phi
so vOi thy'c to (nhu' luting nhan vien, tien thug mat bgng,...)
- Giai thich cac chi phi va thu nhap khac.
=> Kgt qua cong vi&c: danh gia tinh xac thi,rc cua doanh thu, loi nhuan, xac dinh
higu qua hoat dOng kinh doanh cua khach hang.
Ngoai cac nOi dung phan tich theo quy dinh, can danh gia k9 cac nOi dung sau:
— Danh gia khoan muc tien mat/cfau tu' ngAn han: Lu'u y danh gia k9 khoan muc
nay trong Viking hop gia tri qua Ion so vOi dac digm hoat Ong (30 ngay doanh
thu). M6t s6 I9 do ph6 bign ghi nhri khogn muc nay cao hon thu'c tg: von chu so
hau thyt gop cCia khach hang thap hdn clang k9/the hign trong BCTC, khach
Danh gia tinh hinh tai
hang nhan tam fng thu'c hign cac cong trinh chu'a nghigm thu/quygt toan nen
chinh khach hang:
chu'a hach toan giam khoan muc ngutii mua tra tien trutic (thu hOi tam
— Danh gia khoan phai thu: lu'u y cac khoan phai thu sau:
+ Cac khaki phai thu cham Van chuygn: danh gia kha nang thu hOi cua cac
khoan phai thu. Khach hang CO trich du ph6ng cho cac khoan phai thu kho
doi?
 HUNG DAN Ma so

w VIETBANK THAM DINH VA DANH GIA NHU CAU CAP TIN Lan BH 01 (...)./4--../2020)
IM HANG Vt(T MAXI THlfdM4 TIN

DUNG BO SUNG VON Ltili ONG S6 trang 4/8

Cac khoan phai thu c6 gia khaki phai thu c6 tap trung vao mot vai
khach hang Idn, uy tin cua cac khach hang phai thu nay, co phai khach hang
lien quan vdi khach hang khong? Khach hang CO phat sinh giao dich thanh

toan qua tai khoan kh6ng?

- Danh gia hang ton kho: Kiem tra. ubc luring hang h6a tai kho co tu'cing u'ng vdi
quy mo/gia tri theo bao cao khong. Ben canh do can lu'u y mot so Viking hdp

dac thu:
DOi vdi cac khach hang thu6c firth vtic xay lap hang ton kho thu'ong nam tai
cOng trinh va chi phi san xual kinh doanh dot dang (B5 thy'c hien nhu'ng chu'a
du'oc nghiem thu), can doi chieu phan gia tri nay vdi thong tin gia tri da thyt
hien nhu'ng chu'a nghiem thu (theo bang Ice tier) d6 cOng trinh) va so sanh vdi
tong gia tri cac cong trinh dang thyt hien de danh gia mirc do phO hop cua

khoan muc ton kho.

+ DO1 vdi cac khach hang san xu5t co quy trinh san xu5t nhieu cong doan, thai
gian san xu5t keo dai thi can Iuu 9 clan gia tri chi phi san xu5t kinh doanh do
dang/ban thanh ph5m ton tai trong cac cong doan san xu5t cua khach hang.

- Danh gia khoan phai tra:

+ Khaki phai tra co tap trung vao mot vai khach hang lOn, dac diem thanh toan

dOi vdi cac doi tic dau vao?

4-
MCfc d6 quan he cCia khach hang vdi dOi tac, ap ly'c thanh toan cong no?

- NO vay cac TCTD: BCTC cua khach hang co phan anh dung tinh hinh vay no

khong?
- Khach hang co bi mat can clOi von (hay von lu'u dOng rang < 0, hay chi s6 kha
nang thanh toan hien hinh < 1)? Tru'ong hop dieu chinh gia tn cac khoan muc
Ion theo danh gia hop ljt thi khach hang co bi mat can d6i von khOng?
=> Kat qua cong viac: danh du'oc gia tri thtic to cOa cac khoan muc chinh, ban chat

cua tinh hinh tai chinh khach hang.

Danh gia xu hitting, kha nang tang trtiOng doanh thu cua khach hang:
DOi vdi cac nganh dich vu, san xu5t kinh doanh co nhieu san ph5m, co gia Ca

thi truting tu'ang d6i On dinh:

• Xu hu'ong !Dien d6ng doanh thu cac nam gan nh5t cua khach hang.
• Cong suit khai thac cua may mac thiet bi, day chuyen san xuat.
DOi vdi Iinh vu'c kinh doanh chuyen biet, tap trung vao mot vai san ph5m va
Du phong doanh thu, ket gia ca de 'Dien Ong nhti xang dau, kim loaf, hat nhva,... can tach rieng danh
qua kinh doanh nam
gia san lu'ong san ph5m va bier) Ong gia ban:
hoach
• Xu hudng bien dOng gia ban dm san pham can cif du' lieu gia Ca va cac
d bao tren thi
• Xu hu'Ong hien d6ng cOa san lu'Ong can cif lich bier) Ong cac nam
gan nh5t va cOng suit khai thac cua may mac thiet bi, day chuyen san

xu5t.
+ Trong ca 2 twang hop can lu'u jt clan cac yau to rui ro co the phat sinh anh
 HU'ONG DAN M5 s6
VIETBANK
socAm HANG Ntr MAY TFAJCING THAM DINH VA DANH GIA NHU CAU CA TIN Lan BH 01 (.3C./.1:-./2020)
DUNG BO SUNG VON LU'U DONG S6 trang 5/8

hu'Ong dgn host dOng kinh doanh nhu' sir xugt hian c6a cac dOi thu Warn
nang, sir thay d6i cua thi higu thi trudng, thay d6i chinh sach cua cac co quan
nha nu'dc.
- LI& tinh kgt qua kinh doanh nam kg hoach tran co sd ty Ig gia tri hop ly cua cac
khoan muc chi phi tren doanh thu.
=> Kgt qua cOng vigc: Du' phOng du'oc doanh thu, kgt qua kinh doanh nam kg
hoach
Truting hop cap HMTD:
- Tinh town nhu cau vay: Nhu eau vay tai Vietbank = Nhu cau VLD - VLD rong -
Von lu'u dOng da du'oc TCTD khac (hoac ca nhan) tai trey.
- Tinh town nhu cau v6n Ong:
Xac dinh cac gia tri du ph6ng can s6 lieu qua khii + cac digu chinh theo
thgm dinh thu'c to tai phan phan tich tinh hinh tai chinh va kg hoach hop ly
cua khach hang.
• VI 0./ 1: Khach hang kinh doanh ban le xang dau nhieu nam, va clang scY
170u 10 cay xang, doanh thu mai nam tang khoang 5%, khach hang sip
khai tru'ong them 2 cay ;rang m67: Du' phOng doanh thu nam hoach =
Doanh thu nam truec x (1 + 5% + 2/10)
• VI du 2.. Thal gian phai thu binh quan theo so" lieu 2 nam gan nhet la 15
ngay, khach hang cho biet ke hoach nam tai se ban khoang 40% hang
vao cac slew th/ than gian chat cang no' vao cu&. thang va thanh loan sau
do trong vong 45 ngay => du phOng they/ gian phai thu nam ke hoach =
60%x 15 + 40% x (30 + 45).
+ Xac dinh nhu eau von lu'u d'Ong theo chu ky san xugt kinh doanh cua khach
6 Danh gia nhu cau von
hang (phu'ong phap 1):
Nhu cau v6n litu cflobng = nhu cau tian binh quan + phai thu ngan han binh
quan* + ton kho binh quan - phdi tra ngAn han"
• Nhu cau tian binh quan = thdi gian dif trir tign mat binh quan x Doanh thu
du' phong/ 365.
• Phai thu ngAn han binh quan = thdi gian phai thu binh quan x Doanh thu
du phong/ 365.
Lu'u Phai thu bao gam phai thu khach hang, tra trudc ngu'di ban,
phai thu khac fru' cac khoan phai thu khd doi, khoan phai thu
khang phuc vu cho hoat clang san xuet kinh doanh nhu cho vay, phai thu
not bey, ...
• Ton kho binh guar) = thdi gian ton kho binh quan x Gia von hang ban du'
ph6ng/365.
• Phai tra binh quan = thdi gian phai tra binh quan x Gia von hang ban dt!
phOng/365.
Luu y (").. Phai tra bao gam phai tra nguaei ban, ngudi mua tra tien trudc.
+ Xac dinh nhu cau von luu dOng du'a vao chi phi san xugt kinh doanh (phu'ong
 HLICING DAN Ma s6
Lan BH 01 (.3Q/a../2020)
VIETBANK
MOAN KA. MIT SAM
THAM DINH VA DANH GIA NHU CAU CAP TIN
DUNG BO SUNG VON LU'U ONG S6 trang 6/8

phap 2):
phang - loi nhugn trutc thud du'
Nhu cau v6n ;Yu d0ng = [(doanh thu
phOng - khgu hao - tai vay)/vang quay v6n lu'u dOng] - phai tra ng5n han

• Cac khoan muc: Doanh thu, loi nhuan tru'Oc thu5, tai vay xac dinh theo
hurang dan tai phan du' phong k5t qua kinh doanh.

• Kh5u hao: co th5 xac dinh bang kh5u hao trong ky cCia nam lien tru'dc +/-
kh5u hao tang thOm/giarn do mua sam/ban bat tai san c6 dinh (trUdng
hdp khong co thong tin thi lay theo kh5u hao trong ky nam trutic)

• yang quay VLD binh quan: Doanh thu/tai san ng5n han binh quan.
• Phai tra ng5n han: tinh theo hu'Ong dan tai phu'dng phap 1 hoac = phai
tra ngan han binh guar) nam hi5n hanh x doanh thu nam du' phong/doanh

thu nam gan nh5t.

+ Xac dinh von Itiu d6ng rong/v6n lu'u dbng ty' tai tro (theo BCTC thai di5m gan
nh5t) = tai san ng5n han - no ng5n han +/- ke hoach b6 sung hoac sit dyng
von (ndu co). Hoc = von CSH + no dai han - tai san dai han +/- hoach b6

sung hoac dyng von (ndu co).

Lu'u
hinh thanh tai san
• Lapi trO'cac khoan muc, gia tni co tinh chat dal han,
dai han hoac nd dal han den han trong nam dudc ghi nhan vao no ngan
han da cd ngu6n thanh toan dO dam bao bang lo' nhuan sau thue va
kheu hao. VI du: tra trudc ngudi ban mua tai san co dinh (TSCD), cac
khoan phai thu khO dot, ngudi mua TSCD tra trudc, cac khoan von caa
chi; cong ty dau tu' them duoc ghi nhan dudi hinh fluid no' ngan

• Ke hoach ye von nhu' bO. sung them von chi) so' hOU, sit dung von de dau
tu'TSCD, chia loi nhuan,...
• Truong hop VW rong am thi ghi nhan bang 0 khi tinh loan nhu cau vay.
+ Xac dinh von vay ng5n han tai TCTD hoac Ca nh5n khac:
• Can ca thong tin phOng van khach hang, hop Tong tin dung tai TCTD
khac
Liu Sd lieu ghi nhan la mO'c cep co hiau luc gal ngan, trudng hop khOng
thu thap du'oc thong tin mid cep thi dung so lieu du nO vay theo C/C de
tinh toan.
So sanh va digu chinh: So sanh th6ng tin phOng van khach hang va kdt qua tinh
toan dd co nhan dinh hoac quye't dinh (lieu chinh thich hop.

Xac dinh thdi gian t8i da m6i khg utc nhan no:

TT Chi tau Dvt Cach tinh

A Thai gian du triT tier, binh quan Ngay

B Thai gian phai thu binh guar) Ngay

C Thdi gian ton kho binh quan Ngay

D Thai gian phai tra binh quan Ngay

 HLICING DAN Ma s6
V ETBANK
•411141,K. VII NAM 1NUONG T IM THAM DiNH VA DANN GIA NHU CAU CAP TIN Lan BH 01 (t,././2020)
DUNG 86 SUNG VON LLTU °ONG S6 trang 7/8

E Thai gian thiau but von Iu'u dOng Ngay A + B + C - D

F Thdi gian du' phong Ngay Thong thuting khoang 45 ngay
G Thai gian t6i da m6i KUNN Thang (E + F)/30
± Truting hop tinh toan nhu eau vOn theo chi phi san xuat kinh doanh:
TT Chi tiOu Dvt Cach tfnh
A V6ng quay vOn luu d6ng Vong
B Thai gian m6i vOng quay Thang 12/A
C Thai gian phai tra binh quail Thang
D Thai gian thiau but vOn luu dQng Thang B - C
E Thai gian du' ph6ng Thang Thong thu'ang khoang 1,5 (hang
F Thdi gian t6i da m6i KUNN Thang D + E
Lu'u y• Thdi gian KUNN nen lam Iron theo thang
Tru'ang hdp cho vay tiing In/theo mon:
- Ap dung trong trudng hop khach hang kinh doanh theo thdi vu hoac tai tro theo
hop (long cu the.
Nhu cau vay = Chi phi thyc hien phu'ong an - von (if co.
- Khi tham dinh can lily y xac dinh cac nOi dung:
+ Kinh nghiem cUa khach hang trong viec thu'c hien phuong an/hop &mg. Vi
du: khach hang d5 ft:mg thu'c hien phyong an kinh doanh/hop d6ng vOi quy
mO nhu' vay chu'a?
+ S6 lu'ong san pham, gia ban, doanh thu, loi nhuan mong mu6n, chi phi thu'c
hien phuong an, von to co.
+ Inking hop cho vay theo hdp di5ng can danh gia d6i tac Nie uy tin thanh
toan, tinh hinh tai chinh (neu co thOng tin), tra CCJU thong tin CIC ciia d6i tac.
Vi du ye cach tinh nhu ceu vay do/ vdi cho vay theo hop (king xay Oing:
• Khach hang ky duoc hop d6ng vai nhCing thong tin tren 179p dong va
thOng tin phOng via khach hang nhu' sau..
Chl lieu Giá trt Dvt ,

Gia tr i Inv clang 10000 Trd

75% le tam Ong khi ki HD 15% Gid tr/ HD /
,-,
Ty, 10 thu hal tam Ong 25% /dot thank toan -'
Thai gian thanh loan 60 ngay
Thei i gian nghlOm thu va thqC hiOn cac thu tuc gigy to 30 way
Thai gian no nha cung cap 35 ngay
Ti le gia von (da bao gOrn luring NV) 80%
SO- lut;Ing nhan vien 40 nguoi
Luang binh qua'? 8 Trd/nguol/thang
• Lap bang dong flew nhii sau.. Dvt. tr.d
TT Chi tleu T1 72 73 T4 T5 T6 77 T8 T9 T10 T11 T12

1 Dot guy& loan D91 1 091 2 D913 D91 4

2 Kb& luring thuc hiOn C 20% 50% 70% 100%

 HLIONG DAN
VIETBAK N TIN THAM DINH VA DANN GIA NHU CAU CAP TIN Lan BH 01 (3(.4/4./2020)
vrtlr NAM
Pot..Am

DUNG BO SUNG VON LU'U HONG S6 trang 8/8

5.756 7.375 7.375 10.006

3 Lay lof °Ong On yea 1.506 1.506 1.506 1.506 3.126 3.126 5.756 5.756
Tam Ong 1.506
6 6 6 6 1.626 6 2626 6 6 1.625 6 2.625
Thanh town theo KL

4 Lay hi dOng tion re 326 646 1.792 2.112 3.686 4.006 4.326 5.472 5.792 7.366 7.686 8.006

Luang 326 326 326 326 326 326 32C 326 326 326 326 326

Chi phi vat tti 831 1.246 832 1.246

1.186 866 -292 -612 -555 -876 1.436 276 -42 16 -305 2006
5 C8n 061
Nhu' vay. Nhu cau vein tc31 da caa khach hang khoang 875 tr. d => Nhu cau vay de'

thus hOn hop d'Ong = 875 trd - von t/ co

=> Kat qua cong viac: danh ga duoc nhu cau vay cOa khach hang, xac dinh &roc
thoi gian thieu hyt von lu'u Ong de' xac dinh thdi han vay phu hop.

- Khuygn khich: khach hang chuyan toan 66 dong tien tilt hoat Ong kinh doanh ve
tai khoan Vietbank.
- T6i thigu: Khach hang phai chuygn dOng tien tong Cing v6i tjt Ig cap tin dung tai
cac TCTD hoac ty la khac tOy theo phe duyet cila cap thgm quyen.

Quan ly 'Jong Wen sau khi - Kigm tra, Om sat viec chuygn dong tien ve tai khoan Vietbank: Dinh ky hang 3
7 thang, TTKD co track nhiem kigm tra not dung nay. TTKD thqc hien bac) cao lai
cap tin dung
cap ph& duyet xem xet trong trubng hop khach hang vi pham (neu phe duyet
cap tin dung co yeu eau).
=> Kat qua cong viac: quan ly, Om sat duoc dong tien khach hang, dam bao
khach hang tuan thu cam kat chuygn d6ng tien giao dich va tai khoan Vietbank.

IV. QUY DINH CO LIEN QUAN

S6 cong van Trich ygu
TT

1 1686/2018/QD-SPDN Ban hanh san phgm tai trd von lu'u Ong ng5n han cho doanh nghiap

2 1732/2019/QD-TGD Ban hanh san phgm tai trd nha thu xay i5p

3 1 919/2019/QD-TGD Ban hanh san phgm tai trd nhap khau

4 1920/2019/QD-TGD Ban hanh san phgm tai tro xuat khgu try& khi giao hang

V. THEO DOI PHIEN BAN

1 Ngay .34'/4../2020 Ban hanh Ian dau: Phong TDDN