Chuong 2. Tham dinh tin dung gyda Trang me ‘oan ning ~Trwong al hoeNgn hang Thanh phi WD Chi nh 1. Muc dich + Sir dung céc céng cy, kV thuat dé phan tich Génh gid khach hang phurong an/dyr Nel an Elfen) * Bua ra céc két ludn phi hgp, khdch quan, chinh xc nhat ra quyét dinh tin dung trong kha nang NOI DUNG 41. Muc dich 2. Ndi dung va phuong phap tham dinh tin dung 3. Bao cdo tham dinh tin dung 2. NOI DUNG THAM BINH, PHAN TICH TIN DUNG enti EUR aTham dinh, phan tich tin dung B1. Sy day du Tham dinh Theo quy dinh hé so’ Hinh thie N6i dung 'B2, Ngudn théng tin tham dinh phan tich $ oes Pon EO Doe es Pee 1. Bin chin tnd co gua, ob sn guy cp tna ita ob sr pty ae dag’ Teas ach, Rw ae Sat 2 "Bin" bn chp, in, ba i is, CA my i ode ean ity boli y chile ahs cheb bas ch 5.3 pe Is oc gun che hn gyn ci in hin fp ge Bids we clp Cases song peo A Sy Gt ch lng at oh eS Soyo dh ales yo. ig cog hie dana Wis te in ah Ndi 5 got dao sey dh cu ov be gy py cn id bt 6 “Chin tae oh” 1 ig og gan ue him ah eng hy ch tg gy", vin ban AD Ky cag Ok atiatngane m1 ng tin ti rw tre + HO so tin dung ca nhan +H so tin dung ciia doanh nghiép + Thong tin giao dich v6i ngan hang, TCTD+ Tir phan tich thong tin DN cung cdp > Phan dnh tinh chat cia nganh, doanh nghigp va ca nhan Linh dgo > Tao méi quan hé than thign dé phan tich thong tin chinh xéc va khdch quan. > Sur dung kién thitc téng hop, cdc céng cu hé tr + Tim hiéu théng qua nhimg ngwdi cé lién quan > Uy tin trong quan hé kinh doanh, FLich sir ve quan hg tin dung eta doanh nghiép trong qua khit va hign tai >Kha nang 6n dinh dau ra — dau vao va ning lye dam phan v6i cdc déi tie... + Tham djnh tai co sir »Phat hign cdc théng tin quan trong ciia khich hing tiém nang > Déi chiéu thong tin da c6 va thong tin thye 1é > Kiém tra tinh trang tai san va thi¢t bj, nh xuong, >Thyc té tn kho, nguyén vat ligu, bin thinh phim, hang héa.. >Nhin vien trong DN, digukign lam vige 3 Hé théng s6 sch ké tos. = Tir che thong tn bn ngoi ke > Gi thigu cia eae db twang Khe 2413 so trong hé théng ngin hing, TCTD 2H sata dn, ti ligu php ly 2113 so phap i v8 ti sin »Co 80 dit ligu cia phap luat vi bao chi > Céng ty du tr, Khio sit, nghién ctu de lip > Céng ty xép ang tin nhigm de lip > Thang tin cs enh nad shim dio2. Thdm dinh, phan tich tin dung B3. Phan tich chi tiét ‘+ Nang lye php ly + Mai trig kinh doanh + Tinh ech vi uy tin + Bac diém phi tai chinh + N&ng ly tai chinh + Phuong an vay vén/dé nghj cp tin dung + Bo dim tin dung Quan hé tin dung Lh i tn dng *Thong tinh hgn trén CIC nhu-TCTD dang giao dich, du no. tin ang ng + Quy md a KH ta cc TETD 80 voi quy kin dosh ia Kt o8 pha hop vol chu nh doanh cba Kho thy du higu st dung vén sai myc dich hagc cae TCTD dang cho vay wut qua vong quay VLB tye Nang Ive phap ly — Doanh nghiép? *+H6 so’ phap ly +Loai hinh DN sNganh ahd va aby kgn inh doanh (Kin doanh ob ju kign, co yeu cau von phap din... +Vén digu Ié/vén phap dinh va vén the gop. = Nguoi dai dién theo phap luat +Hinh thie 56 hou va chi sé hou + CAp c6 thaim quyén phé duyét phuong an vay vén Phuong thise dam bao + yi didn ky kél cae giao dich voi nyan hang DANH GIA MOI TRUONG TAC DONG MOLTRUONG Vi MO MO hinh PESTER - PESTLE Political Feonomie Technological eat considerations Environmental “Technological considerations age Regulatory comnbderations FavieonmentalDANH GIA MOI TRUONG TAC DONG MOI TRUONG NGANH 1. Xéc dinh nganh nghé cia doanh nghiép 2. Phan tich méi trudmg nginh co bin 3. Phan tich tée dng dén doanh nghigp DANH GIA MOI TRUONG TAC DONG Phan tich tic dng nginh nghé dén DN Mé hinh Porter ~ phi tich$ tic dng ian DANH GIA MOL TRUONG TAC DONG Industry Life Cycle PHAN TiCH PHI TAI CHI smd doanh nghigp inh thse sor hit MG hinh hoat déng Gi nga inh da0 Hoat dng va chién luge kinh doanh Vong div doanh nghigp Uy tin trong quan he vi agin hang Phan tch phi ti chinh khPTTC Nhom 1: Cac hé s6 thanh khoan. ‘Xée dinh kha nang tra nhiing khodn ng ngit cia cong ty khi nhimg khoan ng nay dén han, thye chat 1a moi quan h¢ gitta tai san ¢6 tinh inh khoan cao va cdc khoan ng ngéin han trong “ia DN. ES ca aw ASS) item) jaent) TSE | ame) || ame =| Se) SS) ese sng Bipar Newsome (Rea css PTTC Nh6m 1: Cc hé sé thanh khoan. {At tha i i hs TSLD Rha ndng thanh toda ngin han = —- No agin ban *Thé hign m6i twong, quan gitta céc khoin myc TSLD véi ede khoan ng ngin han *Méi mét déng ng ma DN cé nghia vy thanh todn sé duge dim bao thanh ton béi bao nhiéu dong TSNH £6 thé hny déng neayPTTC Nh6ém 1: Cac hé sé thanh khoan. ies hah it ; a ha ning than tate ngn ban = ——— Nong han * Kh ch sé my gia ting ki ning tanh on ea DN ngiy cing Gage cing cd > vt ca chu ng i hon + Khi eh sb qu cao > Km theo @ 8 higu qu sit yng vn bj iam thip> Tai sao? pire Nhém 1 Cae hg sé thanh Khoi 2 Kh ning thanh oda ahaa Kinng thanh ton hank = ~~ 70" Rho No ngin han Tinh thanh khodn cia kh8i TSLD la khéng hon ton gidng hao, trong d6 tn kho Ii b6 phn TSLD 6 tinh thanh khoan ském (trong da sede trang hyp) nén dge loi bo. pre [hom 1: Cae hés6 than khodn, {us oa he ; aT hi ning than tod ng ba Nongin han ** Khi chi s6 giam? Khhi chi s6 qué ship? + Cin xt dn tin ei, edt hong cia ede Khoi mye trong TSNH? pre [hom 1: Cae hés6 than khodn, 2Khd nag that tod anh ‘Tuy sh, le kin Ke cho rng mt sb TSLD Une congo i chan oink vi ia ton hi cK ning thar Yon anh > ib ce TTSLD do vi eng hie mi dng: ining than ton shan _Tidn + Dita ginkan + Cie kon pithy - No ngin hanpre . Nhom 1: Céc hg sé thanh khodn, 2.08 neg ha tho hon “HG sb 06 ¥ nghla twong ty nhur kha ning thanh todn agin than nhumg chi sé ny nhin manh dén “ehde Iugng” cia cde TS o6 thé duge si dung dé tino. + Phin ich mi quan hg gia kha ning thanh ton nhanb vi kha ning thanh ton hign hinh ~ gi thich tinh chit eta t8n kho trong DN pre him 1: Céc hg sé thanh Khoi 1 sb th ng hah te ih ning tpch tt chin __ Lanachuyén tién ef thudn tr hog ding kink doanh Ng ngan hen hii ning ty chi tl ehinh Ieuan tn yy di hg dé gm tr unde nan vd sy a Hy {sham Ade gn pric Nhém 1: Cée hf s6 than khodn, sale ot tegen td . . Tin +Diutengin han ing t Bade D ing a it tong dug tin inn thanh od bing ia mgt = BME Nongin ban > Quan diém kha nhau vé sy an foi trong thanh coin any mg a PTTC Nh6m 2: Cac chi s6 hoat dong. Do ludmg mite 46 higu qui hoat dong kinh doanh cia DN cing abu vige DN quan ly von uu dng va tai san c6 dinh nhu thé nao.pre hom 2: Cac hg s6 hogt dng 1 Ving que ie koi ‘Ving quay X pt (vg) Drbin ci 3 (Kita Kc hing BQ Kj th en BQ “HERMES Shootacainr “ScsAng Ch Ke wr de Seno man dng pn ich one 360 ‘TKQ ~ Thi gianluin chaydn TR ‘Thé hign tinh Iuu hoat cde tn kho, te 46 ludn chuyén tn kho nhanh c6 nghia la DN host dng tét, hing hoa due aii phéng nhanh, ti d6 ting kha nding than ton, khong nén qué cao va cling khéng nén qua thip ‘ong quay TK (vg) = prre Nhom 2: L ‘ic hg 6 hogt €bng Vann quay ct Min pb ths Kj thu tign BQ = hai thu khach hang BQ La khoain thé gian dé DN thu duge eée khodn bin hang tra chm tir khéch hing. Khoan thoi gian nay cing ngin thi tinh Inu hot cua cde khodin phai thu do bin chju cing lén, kha nang dip img cdc nhu cau thanh tosin eng cao. ‘Ton kho BQ ‘Thos gian in chayéa bn Kho = Ger agp = SS ngiy hau kho trang bin.pre hom 2: Cie hg sé hogt dng 2:Vies we ce oh bk Vong qn pat r= Det Sua hing Phat tra 300 ‘Thai gianPhal rd ‘Thé ign Khd nang chiém dung vin cia ngudi bin dé sic dung vio ‘wong qa trinh sin xuitkinh Joan > ving quay cing chim > thi sian phi tr cng lm > ing kha ring chiém dung von. pre hom 2: Cie hg sé hogt dng 4 in ‘Vang quay ting TS, Vang quay TSNH va Ving quay TSCB: + Thi higa be din chy ei i log TS, 6 pin nt mie igo aq. vigor yng ee TS ten ora DT. + Tée 9 quay cng ea thi hig qua sr dng isin cing > phn in ‘ge quan i tt Nav qu cao miy mac hs hong > ab cu cht ‘Et dai hh xuemg va tit tong nhng I i ting ea pre hom 2: Cie hg sé hogt dng 408 én vey tng, Vega TS 8 Ye sy TCD ong quay ting Vong quay tng TSNH (i pre hom 2: Cie hg sé hogt dng S..Ohi ph di tw sain ob dinh tren hd hao (Chi phi iu nti san 8 dn trén kh hao = Chi phi nei sn dink Khu hao > Chi sé ny cho thy doanh nghiép of thay thé cc ti sind Kab ho /Etkhi ching dén han hay Khng- Neu chi sé ny cao > kh ning tit «tu tu va md rng sin xu kinh dbanh 8 66 tiga Vongpre hom 2: Cie hg sé hogt dng {6 Chi phi ge dé dai, nhi.xwing, hit bi rém Kid ao ich ta Chi phi abe ede ti sin ob din rén kh hao ich iu = Dt da, oh sung vt thie b/Kh hao tic a (Cho bidt tub tho tung bin ea ti sin ku hao ca cing ty vi duge kKigm chim tnt theo th gan, Neu tabi tho tung binh cia i sin ii edn ty tng theo thi gia, dit nay cho thy cong ty khong thay thé i san ea minh dn ky va 6 the a CCAPEX trong tong Ii pre [Nh 3: Cie hg kha 2.He sb ng dai han. (Chi sb ny tn gd ma ti defen edu v8 vin i han phi dye ‘ai try bo ngudn von divas hi s€ LTD exo 6 nial mie iro ‘8 chin 18m) cao pre [hm 3: Cite hg s6 kha ning hon tri ng Tongng Hesinpténvin = Tinga (Chi sb niy tinh pit} ma ti cc mo hu thi ht v8 vim phi Auge tty boi neu vin i vay, chi sb ng cao c6 naa i mide di inh eng Sting en pre [hm 3: Cite hg s6 kha ning hon tri ng LMesSne renin chisé MOU!) “rang ney He 26 ng tren VESH = TOPE NT ‘Tink ton mie A tuome quan pie svi di vay so wi vén chi si chi, Khi chi 6 ny exo > doanh nghigp dang sit dung ny niu ham sur dung vin chi > iro ve ti chin cng stg lenpre [him 3: Cite hg s6 kha ning hoi tr ng +4. Khd nang thanh tos ng vay. EBIT Kha ning thanh ton ng vay = —————___ s VAY = Taivay + Nogbe Tinh ton kh ng tr no (de vai hu np tude thud ea ddoanl nghigp > kha ning than roan niy cao > he ching s® an tim hon, pre [Nh 3: Cie hg kha i hoan tra ng 4. kd ndng thant tos ia vay EBITDA (hoje CFFO) Kha ming tra tah pre [hm 3: Cite hg s6 kha ning hon tri ng 4. khd nding thant tos i vay + Chi sé mite than tos 8 sult = (Thu apg + hi pw a sult chi phi dh thu np +l ie thigu so rong thu nhdp)/Tong bi phi i suit Kh ing cia dounh nghigp trong vige chi tri ie pre [Nh 3: Cie hg kha iw hoan tra ng 5. Chi sdk ming liu chun td W te ce hoot ding (CFO) dé ‘anh tin ie Khon ch dts etl san cb dinh (CAPEX) CTFOICAPEX. 6. Mots chi tigu kepre [Nh 4: Cie hg sé gi nhuin ROS Ear 1, Ty suitLN sa tha én DT oF + Ty sult LNST ten DT li mot chi sb inh wi kh ng tg0 LN eta DN ‘rong méi twong quan véi DT igo ra trong ky. ROS cho bigt trong 100d DT to ra tong Ky thi e6 bao ubidu d 1a LNST, hay noi ich ie: 100d DI tong ky o® Kha ning tao ra bao ahigu d LNST. + ROS cao vi ting qua ede xm la mgd higu tt vé tinh hink SXKD_ cia cng fy. ROS ting thé hia hu qua boi vi lie do EAT di ting véi te d9 nba bon DT. pre [Nh 4: Cie hg sé gi nhuin 3. TY suit sinh loi trén tong TS~ ROA _o hing higu qu st dng TS go aL sin DN mi Khng cin pin bigt TS dé duge inh thin von vay hay VCSH, dems 06 3 ‘ich tinh vé ROA! EAT FAT+I = ROA = ron= _EATHI-0) Roa = SATE pre [Nh 4: Cie hg sé gi nhuin 2.1 st sinh or tren ng win dt ROL ett ro ih quan wi + Ty sul sn 1 én ing vn due ayn oi ist hon 6a) «ign Kb ng wo LN én 1001 vin du tubo vao DN ma Kg hin big NV hinh th di + Chis ay pind enh se dng vin cia DN pre [Nh 4: Cie hg sé gi nhuin 4.19 suit sinh lit én VESH- ROE Phin dah uhd ming tgo LN eta DN tsén 100d VCSH, hay n6i céch Ec, ROE cho bigt cir 100d vn dit do chi so hitu bo vio DN thi aw duge bao nhigu LN sau thué sau khi odin thin ede nga vp chinh 46 vi ching va Nba nue...) ror —_EAT VCSH = Phin ich md img ROA, ROE???THAM DINH LIEN QUAN BEN KHOAN TIN DUNG '* Doanh thu tir phutong én, dy’ én -> 7. dong tién cia phuong an va dy én 2) + Ban, thanh ly tai sin '*Gia ting khodn ng, phat hanh J ching khoan (ng/vén) ‘THAM DINH LIEN QUAN BEN KHOAN TIN DUNG Tinh so minh chizng dau ra, dau vio kha thi, thyrc t& HO so-minh ching cla phurong dn/éy dn cua phurong Cécdv tosn wi chinn an/dy ‘An Thm inh dy trn thong tin thye 8, thi trutng THAM DINH LIEN QUAN BEN KHOAN TIN DUNG Tinh H8 so’ minh ching du ra, dau vao kha thi, thyrc t& HO so-minh ching cla phurong dn/y dn cia phwong Cécdytosn tai chinh an/dy ‘An Thém inh dya trén thong tn thy 1, thi trung, ‘THAM DINH LIEN QUAN BEN KHOAN TIN DUNG Thaihan éptin cacao gant wien di . cing Bisustva Biodim phureng. tindyng hap tinh i Lich ta ngPhurong phap thdm din phan tich Phuong phan “phan * Tép trung doan” * Phan cip Phuong phép diém sé * HE théng thd cong -=xép hangin nhiém + Hé thdng tu déng * Mang than kinh nhan tao, xép hang véi Phuong php hign dai * ang an ki Bai tap thyfc hanh + Te tinh tn dyng co bin ‘hing win a hu trong to trinh Trinh bay bdo céo thm dinh, phan tich tin dung saduties Prove Nl dune eon ohne