Chwong 5. QUAN LY NQ’ co VAN DE VA XU’ LY NO’ XAU NguyS Trung Hu ‘nos Ngn hang ~Trong Bat noc Ngén hang Thanh phé Hb Chi Minh 1. Cac khai nigm Ng c6 van dé dé chi khoan tin dung cap cho khach hing nhung khéng thu héi duge/eé dau higu khong thu hoi durge mét phin hod toan b6 ng goc va/hojec ng lai cia mot hoe mot s6 khoan tin dung theo nh cam két trong hop dong tin dung NOI DUNG 1.Cac khai niém 2.Nguyén nhan va dau hiéu ng’ co van dé 3.Bién phdp quan ly ng’ cé van dé Phan logi ng Phan logi ng la vige phin chia cdc khoan ng trong danh mye cho vay ciia 16 chite tn dung vao cde nhém khée nhau tong img voi mite 49 ri ro cia Khoain ng d6 d6i vi TCTD,Phan logi ng +Nhom 1; Ny di tiéu chuiin; *Nhém2: — Ny cain chit ¥; +Nhém 3: Ny duéi tigu chuan; +Nhom4: Ny nghi ngo; *Nhom 5: — Ny cé kha nang mat von, sfauee POTEAU crests tn en eee LOAI NQTHEO PHUONG PHAP DINH LUQNG Reece et ey gm ong hing 8 gy (Qatyna a a 40 5 eek a so 0 ay Bo i itn un 4 se 0 at hn i ot ae ola Un ak TRGSM AN hectic eat No qué han, ro x4u *Ng qua han la cac khoan ng dén han nhung khach hang khéng thanh toan/thanh toan khéng day di/khéng ding han +No xu [a cdc khoan_ng dugc Ngan hang xép vao nhém ng 3,4,52. Nguyén nin va dau higu ng c6 van dé Nguyén nhan ng cé van dé ‘Nh6m nguyén nhan thugc vé ngudi di vay. + Tinh hinh san xuat kinh doanh thiéu én dinh ving chic “Tinh hinh tai chinh khéng tét *Céng téc quin ly kinh doanh con han ché + Thai 6 thiéu thign chi va hop tac etia ngudi di vay + Hign tong c6 ¥, c6 tinh lia dio Nguyén nhan ng cé van dé [hm nguyen na khéch quan + Do surbién dng ea mei trum kinh t (oi da, toin cu) ‘+ Nhing bat cp trong co ché, chinh sich cia Nha nude, + Hanh lang php ly cho hoat dng cia nga hing chua hon thign + Nhimg nguyén niin bit kha khng (thign i, dich bgnh. Nguyén nhfn ng c6 van dé Nn guy in thew an hg eo vy + Cin sich nce a «Ting ch vehi tid hen gt gt dong do * Chua xic dinh dling quy mé va te di} ting trading etka hoat dng tin dung. © Chun chin ich ith ing bp + Cun in rong a i * Chua don gidn hoe quy trinh thi tye ep tin dung. © chun cid ug cam anh Martin bp © Qi cig nlc tong vie ne in idm oth tin omg uy cho vay lia KDE Gp ees ne et cen Bt can gnc * Dyn di ih oanDau higu than biét khoan ng 6 vin dd Div higw a khich hing *Tri hoan cung cAp sé ligu *Cae s6 ligu va tai ligu cn thiét cung cap cho ngan hing khéng duge ké khai day di, chinh xic hoc ké khéng *Sé ligu thy té khac biét 16n véi dy kién ban dau cua khach hang va ngan hang Dau higu nh§n biét khoan ng ¢6 yan dé tir pha Kise hing, +Nhiing thay d6i bat thuong ngoai dy kién trong sé dir tién giri ctia khach hang. *Vige than toan tién khong ding ké hoach *Xudt hién thém nhiéu chit ng khac ctia khach hang *Nang lye quan If cua khach hang e6 van d8, cong ty xuat hién ric 16i Dau higu nhgn biét khoan ng ¢é yan dé Déu higu tir phia khach hang *C6 cae dau higu bat thudng trong bao céo tai chinh, *Tinh hinh kinh doanh cé nhiéu bién dong * Quan hé véi ban hang cia khach hang thay doi *Khach hang khéng hgp tac, tranh né tiép xtc voi CBTD. Dau higu than biét khoan ng 6 véin de Cac dau higu tir hé so khoan vay nhu: ho so tin dung ka6ng day du, thiéu chat ché, thong tin khdng du d6 tin cy; hd so TSBD chua dam bao tinh phap ly; ké hoach tra ng kh6ng 16 rang, tinh kha thi thep Khi hé so chwa hoan thién ma di cho giai nganDau higu nhgn biét khoan ng ¢é yan dé hie pk *Cac dau higu tir cong tac quan ly tin dung: CBTD khéng twain thi: dang quy trinh cho vay; linh dao ty ¥ cho vay, bd qua buée tham dinh; cho vay dao ng; cén b6 tin dung c6 quan hé dic bigt vGi khach hang; cdng tac kiém tra, phan tich khach hing khong duge thy hign thudng, xuyé ang Dau higu nhan biét khoan ng c6 van dé Diu nig iy ‘ “Dau higu te pha qua han, ng co cau, ng x4u Dau higu rhdn biét khoan ng cé vin 48 Diu hig tz pia *Cac dau higu tir co quan chtre nang: khach hang dinh liu tdi cdc vu an dang duge diéu tra; két qua sau khi kiém toan sai khéc nhiéu; khach hang ng ngan séch Nha nude; khdch hang thay d6i hinh théfe sé hiru, nganh ngé kinh doanh. hing 3. BIEN PHAP QUAN LY NGO CO VAN DEBIEN PHAP QUAN LY NQ COVAN DE 1. Bign phap ngiin ngira 2. Bign phap quan ly va khai thac va thu héi 1. Bign phap ngin ngira *Bign phap ngén ngira 1. Lap ké hogch gap khach hang. 2. Gap go khich hing 3. Lap phuong dn ngin ngira, quin ly 4. Thye hign phuong an va gidm sét thye hign 1. Bign phap ngin ngira *Danh gid nii ro thuong xuyén + Phan loai khéch hang va phan logi ng + Dinh gid nai ro véi bao dim tin dung + Thu thap va phan tich cde dau higu rui ro + anh gia dint ky vé tai chinh + Phuong phép bang so sinh +Phuong phap dé thi + Phuong php kiém ta el hd 1. Bign php ngin ngira +Ap dung: +Khi khach hang kim vo tinh trang ng ¢6 vin 3 do gp rio, + Thai d6 va thign chi tra ng tét, + Con kha ning vé tai chinh, quin If Linh manb, tai san thye van bn2 Bign phap quan ly va khai thac ~Bign php: 1. Thu hoi mot phan ng truéc han. 2. Chur a ng qua han va ap dung lai sudt ng qué 3.Gia han va co cau ng 4. Dura ra tu van cho khdch hang 5. BO sung bao dam tin dung 3. Bign phap xir ly va thu hoi Ap dung *+T8chite Khai thé lng tiga I, higu qua +A thye ign Khai de nhung tht bi + Khi ming edi thin i chinh cia khch hing la kxdng thé + Khich hing king o thign ei tr. ng + Khich hing lia dio gian di, vi pham quy dinhcp tin dung n php quan ly va khai thic * Bign phap: 5. Gidm lai/mign Lai 6. Tang vay hé tra cho phuon; 7. Chuyén hd go ng qua han eho aban vign x 19 / bo phan xir ly ng dé 6 cae bien phap manh hon 8. Chuyén moi 9, Phuong php tha higp eng ngan hang khdc hoge chit ng Bién phap xit ly va thu hoi 1. Xtrly bac dim Xir ly tai san thé chip: -Ngin hang va nguéi di vay théa t aged di vay bine ngan hang ‘truc mua i z -Ngin hing nhan tai sin thé chp thay thé nghia vu, mua lai tai san -Biin du gid qua cdc 1 chite thir ba cdch xi bin cho nudBién phap xi ly va thu hoi 1. Xir ly bao dam tién vay Xi ly tai sin cim c6: -Ky hau bo tring ede gidy to ¢6 gid 06 thé chuyén nhurong, -Cam két ty quyén cho ngan hang thye hign quyén xtr Iy thu hdi von “Khoi kign khicé wank chp Bién phap xi ly va thu hoi + Bign phap khac 1. Truy doi trong cho vay gidn tiép 2. Thanh ly khi DN pha san 3. Ban khoan ng 4. Ba dap tén that bing dy phong... Bién phap xi ly va thu hdi T. Xu ly bac dam Yéu cau bén bao Linh thy hign nghia vy “Bao Linh bang tai sin: phat mai tai san nhu fie edch thite én Bio Linh bing uy tin: yéu edu thye hign nghia hinh thie bao dim khée (ky quy, Bién php cudng ché thi hanh an +1. Khu tr id trong t8i Khon; thu hai, xc ytd, gidy 6 | gid cia nguo% phai thi anh an, +2. Trirvao thu nhép cia nquei phai th han én +3, K6 bin, xi Itai sn cia ngudi pha thi tanh dn, KB ct 'n dang do ngurdi the ba gi +4. Khai thac ta sdn ca ngui phai thi anh dn. + 5. Bude chuyén gao vat, chuyén giao quyé1 tal sin, oy t. Bude ngurbi phil th anh dn thye hign hose Khng duvoe thye hign ebng vige nhSt anh