Professional Documents
Culture Documents
Nhm 7
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* Trnh by:
Phm Phng Linh L Th Nhung
L Th Nhung
Phm Phng Linh H Minh Ngc Nguyn Hng Hoa Hong Thu H Trn L Quyn
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Phn 1
Phn 1: Cho vay kinh doanh
Phn loi
Phn tch n xin vay
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Mc ch: Ti tr cho vic mua hng d tr (nguyn liu th, hng ha)
Chu k tin mt: Tin mt c chi dng mua d tr nguyn vt liu v bn thnh phm hoc thnh phm Hng ha c sn xut hoc d tr bn
Hng bn
Tin mt thu v K hn: Mt vi tun hoc mt vi thng
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Mc ch: H tr vn ngn hn
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(Retailes financing)
H tr ngi tiu dng trong vic mua tr gp xe my, dng gia nh bng cch ti tr cho cc khon phi thu m ngi bn nhng hng ha ny s nhn c sau khi k hp ng bn hng tr gp. NH c th ti tr ton b d tr tn kho trng qua vic xc nh k hoch sn i vi nhng ngi kinh doanh moto, tv v cc hng ha lu bn khc. (K hn: 90 ngy v c th c ti gia hn 1 thng hay vi thng)
Hp ng k hoach sn thng bao gm mt khon d phng tn tht tn dng, tch ly t cc khon li thu c sau khi ngi vay tr tin.
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NH cho vay theo 1 t l phn trm nht nh trn gi tr ghi s ca ti khon tin bng 70% khon phi thu trn ti khon thanh ton vng lai ca doanh nghip
i vi hu ht nhng khon cho vay c th chp bng cc khon thu hay hng tn kho, doanh nghip i vay vn c quyn s hu i vi TS
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c im :
Cc khon cho vay k hn s c tr dn v thanh ton trn c s dng thu nhp tng lai ca hng. 1.Trnh qun l ca hng Thng thng cc khon lng h thng k bo m bng ti sn c 2.Cht vay k hn c ton v kim ton 3.Hng c vay v r rng tnh hnh ti c nh hoc nh thuc s hu ca ngitrnh byc th chu li sut chnh ca mnh cho ngn hng hay khng th ni. 4.C sn lng ng s khng th chp ti sn hay khng Do ri ro ln , li sut trong trng hp ny thng cao hn cc khon vay KD ngn5.C phi i mt vs ri ro cng ngh hay khng hn. 6.Khong thi gian trc khi d n c li nhun nh gi yu cu vay KD cu th trng hng phi xem xt cc yu 7.Nhu di hn , ngn 8.Trng thi ti sn rng ca hng t sau:
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1.Linh hot nht hng KD c th vay ti mt mc ti a xc nh trc, hon tr ton ti sn no 3.Thi hn c th l ngn hn hoc c th ko di c im: 3, 4 hoc 5 nm 4.p dng nhiu khi khch hng khng chc v Tc dng: gim mc bin ng trong chu k KD, cho php hng thi gian cc lung tin mt.
khi hp ng tn dng ht hn. vay thm tin mt trong lc kh khn v cho php hon tr khi ngun thu tng. Phn loi 2 loi: cam kt vay vn chnh thc v hn mc tn dng bo m. ( Hin nay, c 1 loi hnh tn dng lun chuyn mi v xut hin thng qua vic s dng th tn dng )
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2.NH vay v khng vay khi c nh cu cho n b hoc 1 phn khon thngtip tc i hi m bo bng bt c
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1.Quy m vn ln thng cn ti vi t ti sn c nh c d tnh s mang li thu nhp trong tng lai. USD c im : mc ri ro cao2.Cc d n c cp vn c th b nht. hon do iu kin thi tit hoc ko Cc ri ro ln c lin quan: vt liu xy dng . 3.Quy nh cho vay s tin hnh tham Do quy m v mc ri ro ln nn victi cc vng i hi s hot ng xy dng c th thay i theo gia ca 1 t chc ti chnh. Cc khon cho vay d nhoc tng chi hng xu lm nh tr c th chp nhn da trn s bo lnh , theod n ph ngi cho vay c th khi phc 4.Li sut thay i n khng n vic vn t nhng t chc thc hin bo lnh nu dgy bt li tr c thu hi vn.
n theo k hoch nh.
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LBOs thng c tin hnh bi 1 lot nhng nh u t lc quan , nhng ngi sn sng chp nhn t l vay n ln vi nim tin rng doanh thu c th tng cao hn chi ph vay n nh vo vic qun l tt.
FED rt lo lng v nhng ri ro ca LBOs c bit l vn : cc hng tin hnh hot ng mua li trn c s vay n qu nhiu, c th s ko tr c n nu nn kinh t i vo thi k suy thoi hoc li sut tng. Company Logo
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- Trong khon cho vay cc hng kinh doanh, ngn hng lun c gng hn ch sai lm mc thp nht. - Hu ht hot ng cho vay kinh doanh, ngn hng ch thu c 1USD ( bao gm c thu) t 100 USD tin vay sau khi tr tt c cc chi ph. y l mt t s phn thng ri ro thp.
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Thng qua la chn cc khon mc t Bng CKT v Bng BCTN ca ngi i vay, cn b tn dng c th thy r nhng vn quan trng trong cho vay kinh doanh
Kh nng kim sot chi ph ca ngi vay Mc hot ng hiu qu ca ngi vay Kh nng tiu th sn phm ca hng Kh nng trang tri cc chi ph ti chnh Kh nng thanh ton
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Cc t l ti chnh c gii phn tch tn dng xem xt nh gi chng trnh kim sot chi ph ca mt hng bao gm:
tin cng v tin lng/ doanh thu thun chi ph hnh chnh/ doanh thu thun chi ph khu hao/ doanh thu thun chi ph tr li tin vay/doanh thu thun gi vn hng bn/ doanh thu thun chi ph hng bn/ doanh thu thun chi ph bn hng, chi ph qun l, chi ph khc/ doanh thu thun cc khon thu/ doanh thu thun
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Hiu qu hot ng
Hiu qu hot ng: thc o mc hon ho trong hot ng ca hng kinh doanh
nh gi hng s dng ti sn hiu qu nh th no, cc t l ti chnh quan trng l:
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Cc t l hon tr
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Cc ch s v kh nng thanh ton ca hng kinh doanh Trng thi thanh ton ca ngi i vay phn nh khn nng tng vic tng tin mt cch kp thi khi cn vi chi ph hp l Cc thc o thanh khon thng dng:
T l lu hot = cc ti sn lu ng / cc khon n ngn hn. T l thanh ton nhanh = (cc ti sn lu ng - hng tn kho) / cc khon n phi tr ngn hn TS lu ng rng = ti sn lu ng - nguyn vt liu v hng tn kho- cc khon n ngn hn Vn lu ng rng = ti sn lu ng - cc khon n ngn hn.
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Thu nhp trc thu/ tng ti sn Thu nhp trc thu/ vn c phn
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n by ti chnh
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thu cha np
nhng quy nh hn ch
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Cung cp nhng thng tin quan trng v s thay i trong tnh hnh ti chnh ca hng, cho bit hng ti tr cho cc hot ng v phn b vn huy ng nh th no
Bo co bao gm cc phn:
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Thay i v ti sn Thay i trong khon mc tin mt Thay i trong cc khon phi thu
Thay i v n v vn ch s hu Thay i trong cc khon phi tr Thay i trong cc khon n ngn hn khc(bao gm c cc khon vay ngn hn ngn hng) Thay i trong cc khon n di hn(bao gm c cc khon vay di han ngn hng) Thay i v vn ch s hu =S dng vn ca ngn hng =Cc ngun vn ca hng =Cc ngun vn ca hng =S dng vn ca hng
Thay i trong hng tn kho Thay i trong TSC(gi tr cn li) Quy m tng ti sn Quy m gim ti sn Quy m tng cc khon n v vn ch s hu Gim cc khon n v vn ch s hu
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Phn 2
Phn 2 : nh gi cho vay kinh doanh
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Phng php nh gi di c s
Ra i: 1980s. Do s cnh tranh mnh m ca cc ngn hng
c im:
Cho vay vi li sut st vi chi ph huy ng th trng Li sut cho vay thp hn li sut c s 1% hoc hn 1% Gim vai tr quan trng ca li sut c s trong qu trnh nh gi cc khon vay kinh doanh.
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Li sut c s
Cc khon vay va v nh
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em li thu nhp v ph
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L mt h thng nh gi tinh vi, xc nh kh nng ngn hng c th b p c ton b chi ph v ri ro lin quan hay khng. Cc bc nh gi Phn tch kh nng sinh li t khch hng
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Cc bc nh gi
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Phn tch kh nng sinh li t khch hng (customer profitability analysis) - CPA
Gi nh: ngn hng nn xem xt ton b quan h khch hng khi tnh ton gi c ca mi khon cho vay. Tp trung vo t l thu nhp nhn c t khch hng trong tng th cc mi quan h:
Thu t cho vay v cc dch v khc cung cp cho khch hng Chi ph cho vay v cung cp cc dch v khc cho khch hng
T l thu nhp trc thu ca ngn hng xc nh trn tng th cc = mi quan h khch hng
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Phn tch kh nng sinh li t khch hng (customer profitability analysis) - CPA
Thu t khch hng: li tin vay, cc khon ph cam kt, ph cho dch v qun l tin v cho cc hot ng x l d liu. Chi ph ngn hng gnh chu: tin cng v lng cho nhn vin ngn hng, chi ph thm nh tn dng, li trn cc khon vn huy ng, chi ph lin quan n vic qun l ti khon (tp hp v ghi chp cc khon tin gi, vay, sc chi tr v cc dch v bo qun ct gi).
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Phn tch kh nng sinh li t khch hng (customer profitability analysis) - CPA
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Tch cc (positive)
>0 T l thu nhp trc thu ca ngn hng xc nh trn tng th cc mi quan h khch hng
Ngn hng s c c mt khon thu nhp sau khi khu tr chi ph b ra.
Tiu cc (negative)
T chi yu cu vay vn Tng li sut cho vay. Xem xt duy tr mi quan h trn c s li nhun. Tng chi ph cho cc dch v m khch hng yu Company Logo cu.
<0
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Tng s vn c th u t
T l d tr bt buc
Tng qu tin gi
Tng vn c x th u t
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