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Cm nang tÝn dơng
Mơc lơc
PhÇn 1. Giíi thiƯu chung _____________________________________________ 7
1.1. Mơc ®Ých cun Cm nang tÝn dơng ______________________________________ 7
1.2. Cu trĩc cun Cm nang tÝn dơng: ______________________________________ 9
1.3. Thc hiƯn __________________________________________________________ 11
1.4. Cp nht cun cm nang tÝn dơng: _____________________________________ 12
1.5. Gi¶i thÝch t ng÷ : ___________________________________________________ 13
PhÇn 2. Tỉ chc ho¹t ®ng tÝn dơng t¹i Ng©n hµng Ngo¹i th-¬ng
ViƯt Nam _____________________________________________________ 14
2.1. Nguyªn t¾c tỉ chc ho¹t ®ng tÝn dơng __________________________________ 14
2.2. C¬ cu tỉ chc ho¹t ®ng tÝn dơng t¹i Ng©n hµng Ngo¹i th-¬ng ViƯt Nam ____ 15
2.2.1. T¹i Hi s chÝnh ________________________________________________ 15
2.2.2. T¹i Chi nh¸nh cp I______________________________________________ 17
2.2.3. T¹i chi nh¸nh cp II______________________________________________ 18
PhÇn 3. ChÝnh s¸ch tÝn dơng cđa Ng©n hµng Ngo¹i th-¬ng
ViƯt Nam _____________________________________________________ 19
3.1. Nguyªn t¾c chung ___________________________________________________ 19
3.1.1. Tu©n thđ ph¸p lut_______________________________________________ 19
3.1.2. Ph hỵp víi chin l-ỵc ho¹t ®ng kinh doanh cđa Ng©n hµng Ngo¹i th-¬ng ViƯt
Nam t¹i tng thi k. _____________________________________________ 19
3.1.3. Va t«n trng quyỊn t quyt cđa Gi¸m ®c chi nh¸nh va b¶o ®¶m mơc tiªu
qu¶n lý rđi ro tÝn dơng____________________________________________ 19
3.1.4. Quan ®iĨm b×nh ®¼ng vµ h-íng tíi kh¸ch hµng ________________________ 19
3.1.5. §Ị cao tr¸ch nhiƯm c¸ nh©n _______________________________________ 20
3.2. ChÝnh s¸ch cho vay ®i víi kh¸ch hµng _________________________________ 21
3.2.1. C¬ s x©y dng chÝnh s¸ch ________________________________________ 21
3.2.2. H×nh thc ______________________________________________________ 21
3.2.3. Mt s ni dung c¬ b¶n cđa chÝnh s¸ch cho vay kh¸ch hµng ______________ 21
3.3. ChÝnh s¸ch qu¶n lý rđi ro tÝn dơng _____________________________________ 25
3.3.1. Quan ®iĨm tỉng qu¸t cđa Ng©n hµng Ngo¹i th-¬ng vỊ rđi ro tÝn dơng ______ 25
3.3.2. H×nh thc ______________________________________________________ 25
3.3.3. C¸c ni dung qu¶n lý rđi ro tÝn dơng c¬ b¶n___________________________ 25
3.4. Chin l-ỵc, ®Þnh h-íng vµ k ho¹ch tÝn dơng. ____________________________ 30
3.4.1. Chin l-ỵc ho¹t ®ng tÝn dơng______________________________________ 30
3.4.2. §Þnh h-íng ho¹t ®ng tÝn dơng _____________________________________ 31
3.4.3. K ho¹ch tÝn dơng _______________________________________________ 32
3.5. C¸c v¨n b¶n hiƯn hµnh liªn quan ®n tÝn dơng vµ chÝnh s¸ch tÝn dơng________ 33
3.5.1. C¸c v¨n b¶n ph¸p lut____________________________________________ 33
3.5.2. C¸c v¨n b¶n vỊ chÝnh s¸ch tÝn dơng cđa Ng©n hµng Ngo¹i th-¬ng ViƯt Nam. 33
PhÇn 4. HƯ thng tÝnh ®iĨm tÝn dơng_______________________________ 35
4.1. M« t¶ ph-¬ng ph¸p tÝnh ®iĨm tÝn dơng__________________________________ 35
4.2. Sư dơng hƯ thng chm ®iĨm tÝn dơng __________________________________ 36
4.2.1. B phn chm ®iĨm ______________________________________________ 36
4.2.2. Sư dơng kt qu¶ xp h¹ng tÝn dơng __________________________________ 36
Cm nang tÝn dơng Phiªn b¶n 1.0
PhÇn Giíi thiƯu chung Ngµy 11/4/2016
Mơc Mơc ®Ých cun Cm nang tÝn dơng Trang 2
4.2.3. Ph¸t triĨn c¬ s d÷ liƯu vµ hƯ thng chm ®iĨm tÝn dơng _________________ 36
4.3. Xp h¹ng ®i víi doanh nghiƯp ________________________________________ 37
4.3.1. C¸c lo¹i h¹ng doanh nghiƯp _______________________________________ 37
4.3.2. C¸c b-íc xp lo¹i doanh nghiƯp ____________________________________ 41
4.4. Xp h¹ng ®i víi c¸ nh©n _____________________________________________ 44
4.4.1. C¸c lo¹i h¹ng c¸ nh©n____________________________________________ 44
4.4.2. C¸c b-íc xp h¹ng tÝn dơng c¸ nh©n_________________________________ 44
4.5. Phơ lơc phÇn 4 ______________________________________________________ 46
4.5.1. Phơ lơc : C¸c B¶ng chm ®iĨm tÝn dơng doanh nghiƯp___________________ 46
4.5.2. Phơ lơc : C¸c B¶ng (ma trn) chm ®iĨm tÝn dơng kh¸ch hµng c¸ nh©n _____ 61
4.5.3. Phơ lơc: C¸ch x¸c ®Þnh lnh vc/ngµnh cđa doanh nghiƯp ________________ 63
PhÇn 5. Giíi h¹n tÝn dơng ®i víi kh¸ch hµng ____________________ 67
5.1. Kh¸i niƯm vµ ý ngha_________________________________________________ 67
5.1.1. Kh¸i niƯm______________________________________________________ 67
5.1.2. ý ngha vµ mơc tiªu ______________________________________________ 67
5.2. Thđ tơc phª duyƯt Giíi h¹n tÝn dơng____________________________________ 69
5.2.1. C¸c quy ®Þnh c¬ b¶n _____________________________________________ 69
5.2.2. Tr¸ch nhiƯm vµ thm quyỊn x¸c ®Þnh Giíi h¹n tÝn dơng__________________ 69
5.2.3. Thđ tơc tr×nh Trung -¬ng c¸c GHTD v-ỵt thm quyỊn chi nh¸nh __________ 70
5.3. Quy tr×nh x¸c ®Þnh Giíi h¹n tÝn dơng ___________________________________ 71
5.3.1. §¸nh gi¸ rđi ro cđa kh¸ch hµng ____________________________________ 71
5.3.2. X¸c ®Þnh mc GHTD _____________________________________________ 75
5.4. Sư dơng GHTD trong cp tÝn dơng cơ thĨ cho kh¸ch hµng _________________ 78
5.4.1. C¸c nguyªn t¾c khi sư dơng GHTD __________________________________ 78
5.4.2. Sư dơng GHTD trong cp tÝn dơng cơ thĨ _____________________________ 78
PhÇn 6. L·i sut ______________________________________________________ 81
6.1. Nguyªn t¾c x¸c ®Þnh l·i sut cho vay____________________________________ 81
6.2. C¬ ch ®iỊu hµnh l·i sut cho vay hiƯn nay ______________________________ 82
6.3. Mt s c¸ch thc tha thun l·i sut cho vay ®i víi kh¸ch hµng ____________ 84
6.3.1. L·i sut cho vay c ®Þnh __________________________________________ 84
6.3.2. L·i sut cho vay th¶ nỉi___________________________________________ 84
6.4. MiƠn gi¶m l·i vay ___________________________________________________ 85
6.4.1. C¸c vn ®Ị chung________________________________________________ 85
6.4.2. Nguyªn t¾c miƠn, gi¶m l·i _________________________________________ 85
6.4.3. Thm quyỊn xem xÐt vµ quyt ®Þnh miƠn, gi¶m l·i ______________________ 85
6.4.4. §iỊu kiƯn xem xÐt miƠn, gi¶m l·i____________________________________ 86
6.4.5. Quy tr×nh xÐt duyƯt MiƠn gi¶m l·i ___________________________________ 86
PhÇn 7. Quy tr×nh nghiƯp vơ cho vay ______________________________ 88
7.1. Giíi thiƯu __________________________________________________________ 88
7.1.1. M« t¶ quy tr×nh nghiƯp vơ cho vay: __________________________________ 88
7.1.2. Ph¹m vi ¸p dơng:________________________________________________ 88
7.2. Quy tr×nh xÐt duyƯt cho vay ___________________________________________ 89
7.2.1. Nguyªn t¾c thc hiƯn _____________________________________________ 89
7.2.2. Tr×nh t thc hiƯn _______________________________________________ 89
Cm nang tÝn dơng Phiªn b¶n 1.0
PhÇn Giíi thiƯu chung Ngµy 11/4/2016
Mơc Mơc ®Ých cun Cm nang tÝn dơng Trang 3
7.2.3. Tr¸ch nhiƯm vµ nhiƯm vơ cđa c¸c thµnh viªn tham gia: __________________ 98
7.3. Quy tr×nh ph¸t tiỊn vay______________________________________________ 101
7.3.1. Nguyªn t¾c thc hiƯn ____________________________________________ 101
7.3.2. Tr×nh t thc hiƯn quy tr×nh ph¸t tiỊn vay: ___________________________ 101
7.3.3. Tr¸ch nhiƯm, nhiƯm vơ cđa c¸c thµnh viªn tham gia:___________________ 103
7.4. Quy tr×nh kiĨm tra sư dơng vn vay ___________________________________ 105
7.4.1. Nguyªn t¾c thc hiƯn :___________________________________________ 105
7.4.2. Tr×nh t thc hiƯn: ______________________________________________ 105
7.4.3. Tr¸ch nhiƯm vµ nhiƯm vơ cđa c¸c thµnh viªn tham gia: _________________ 107
7.5. Quy tr×nh thu hi nỵ vay_____________________________________________ 108
7.5.1. Nguyªn t¾c thc hiƯn ____________________________________________ 108
7.5.2. Tr×nh t thc hiƯn ______________________________________________ 108
7.5.3. Tr¸ch nhiƯm, nhiƯm vơ cđa c¸c thµnh viªn tham gia:___________________ 110
7.6. Phơ lơc phÇn 7 _____________________________________________________ 112
7.6.1. Phơ lơc 7.6.1: H s¬ vay vn______________________________________ 112
7.6.2. Phơ lơc 7.6.2 : C¸c th«ng tin c¬ b¶n cÇn t×m hiĨu khi tip xĩc trc tip víi kh¸ch
hµng ( ®i víi kh¸ch hµng lµ doanh nghiƯp): _________________________ 114
7.6.3. Phơ lơc 7.6.3: Ni dung t tr×nh thm ®Þnh___________________________ 116
7.6.4. Phơ lơc 7.6.4 : Gđi vµ l-u gi÷ h s¬ vay vn __________________________ 120
7.6.5. Phơ lơc 7.6.5 : H s¬ ph¸t tiỊn vay _________________________________ 121
7.6.6. Phơ lơc 7.6.6: Ni dung kiĨm tra sư dơng vn vay _____________________ 122
7.6.7. Phơ lơc 7.6.7: Gia h¹n nỵ ®iỊu, chnh k h¹n nỵ ______________________ 123
PhÇn 8. B?o ®?m tiỊn vay ___________________________________________ 126
8.1. C¸c vn ®Ị chung___________________________________________________ 126
8.1.1. Mt s kh¸i niƯm _______________________________________________ 126
8.1.2. Mơc ®Ých cđa b¶o ®¶m tiỊn vay____________________________________ 126
8.1.3. C¸c biƯn ph¸p b¶o ®¶m tiỊn vay ___________________________________ 127
8.1.4. Nguyªn t¾c b¶o ®¶m tiỊn vay _____________________________________ 127
8.1.5. Ph¹m vi b¶o ®¶m tiỊn vay : _______________________________________ 127
8.1.6. Mc cho vay so víi gi¸ trÞ tµi s¶n b¶o ®¶m___________________________ 128
8.1.7. C¸c lo¹i tµi s¶n dng ®Ĩ b¶o ®¶m tiỊn vay ___________________________ 128
8.1.8. §iỊu kiƯn ®i víi tµi s¶n b¶o ®¶m: _________________________________ 131
8.1.9. ViƯc gi÷ tµi s¶n vµ giy t cđa tµi s¶n b¶o ®¶m _______________________ 132
8.2. B?o §?m ti?n vay b?ng TSCC TC v b?o lnh c?a bªn th? ba ___________ 134
8.2.1. Quy tr×nh nhn tµi s¶n b¶o ®¶m ___________________________________ 134
8.2.2. Qu¶n lý tµi s¶n b¶o ®¶m vµ c¸c lo¹i giy t liªn quan __________________ 145
8.2.3. X? lý ti s?n b?o d?m___________________________________________ 147
8.3. B¶o ®¶m tiỊn vay b»ng tµi s¶n h×nh thµnh t vn vay _____________________ 162
8.3.1. Tr-ng hỵp ¸p dơng : ___________________________________________ 162
8.3.2. §iỊu kiƯn ¸p dơng b¶o ®¶m tiỊn vay b»ng tµi s¶n h×nh thµnh t vn vay ____ 162
8.3.3. Tr×nh t thđ tơc nhn b¶o ®¶m b»ng tµi s¶n h×nh thµnh t vn vay ________ 163
8.3.4. Theo di,qu¶n lý vµ ký kt hỵp ®ng th chp bỉ sung _________________ 165
8.3.5. Nhn, qu¶n lý vµ xư lý tµi s¶n b¶o ®¶m h×nh thµnh t vn vay ___________ 165
8.4. Cho vay kh«ng c b¶o ®¶m b»ng tµi s¶n________________________________ 166
8.4.1. Tr-ng hỵp ¸p dơng_____________________________________________ 166
8.4.2. §iỊu kiƯn ®i víi kh¸ch hµng vay kh«ng c b¶o ®¶m b»ng tµi s¶n_________ 166
Cm nang tÝn dơng Phiªn b¶n 1.0
PhÇn Giíi thiƯu chung Ngµy 11/4/2016
Mơc Mơc ®Ých cun Cm nang tÝn dơng Trang 4
8.4.3. Tr-ng hỵp cho vay kh«ng c b¶o ®¶m b»ng tµi s¶n theo ch ®Þnh cđa CP __ 167
8.5. Phơ lơc ___________________________________________________________ 168
8.5.1. Phơ lơc 8.5.1: C¸c v¨n b¶n ph¸p quyhiƯn hµnh liªn quan ®n B§TV______ 168
8.5.2. Phơ lơc 8.5.2: Mt s h s¬ b¶o ®¶m tiỊn vay th«ng th-ng: _____________ 169
8.5.3. Phơ lơc 8.5.3: Mt s ni dung chđ yu cÇn nªu t¹i t tr×nh/b¸o c¸o thm ®Þnh
vµ ®Þnh gi¸ tµi s¶n b¶o ®¶m: ______________________________________ 174
8.5.4. Phơ lơc 8.5.4: QuyỊn vµ ngha vơ cđa c¸c ®¬n vÞ trc tip cho vay sau khi th«ng
b¸o xư lý tµi s¶n b¶o ®¶m ________________________________________ 175
8.5.5. Phơ lơc 8.5.5 : Tr¸ch nhiƯm phi hỵp cđa c¸c c¬ quan h÷u quan _________ 176
8.5.6. Phơ lơc 8.5.6 : H×nh thc t b¸n c«ng khai trªn thÞ tr-ng_______________ 178
8.5.7. Phơ lơc 8.5.7: B¸n qua trung t©m dÞch vơ b¸n ®u gi¸ tµi s¶n ____________ 184
8.5.8. Phơ lơc 8.5.8: H×nh thc b¸n tµi s¶n cho c«ng ty mua b¸n nỵ Nhµ n-íc____ 185
8.5.9. Phơ lơc 8.5.9: ViƯc cp giy chng nhn quyỊn sư dơng ®t, giy chng nhn
quyỊn s h÷u nhµ vµ quyỊn sư dơng ®t :__________________________ 185
8.5.10. Phơ lơc 8.5.10: Ngha vơ np thu chuyĨn quyỊn sư dơng ®t, tµi s¶n g¾n liỊn
víi ®t. _______________________________________________________ 186
8.5.11. Phơ lơc 8.5.11: Tr×nh t phi hỵp cđa đy ban nh©n d©n vµ c¬ quan C«ng an
trong viƯc hç trỵ c¸c tỉ chc tÝn dơng thu hi tµi s¶n b¶o ®¶m: ___________ 187
8.5.12. Phơ lơc 8.5.12: C¸c quy ®Þnh cđa Th«ng t- 03 ®-ỵc ¸p dơng ®Ĩ xư lý tµi s¶n b¶o
®¶m lµ quyỊn sư dơng ®t, tµi s¶n g¾n liỊn víi ®t ®· th chp tr-íc ngµy NghÞ
®Þnh s 178 c hiƯu lc : _________________________________________ 189
8.5.13. Phơ lơc 8.5.13: §iỊu kiƯn, tr×nh t vµ thđ tơc ®¨ng ký giao dÞch b¶o ®¶m ___ 190
8.5.14. Phơ lơc 8.5.14: Mt s mu biĨu ¸p dơng trong tr-ng hỵp cho vay c b¶o ®¶m
b»ng tµi s¶n ___________________________________________________ 193
8.5.15. Phơ lơc 8.5.15 Mt s l-u ý khi thuª bªn th 3 ®Þnh gi¸ tµi s¶n ___________ 243
PhÇn 9. Mt s quy tr×nh cho vay ®Ỉc biƯt ______________________ 245
9.1. Quy tr×nh cho vay ®Çu t- d ¸n: ______________________________________ 245
9.1.1. Thm ®Þnh, xÐt duyƯt cho vay: _____________________________________ 245
9.1.2. Ph¸t tiỊn vay:__________________________________________________ 268
9.1.3. KiĨm tra, gi¸m s¸t qu¸ tr×nh sư dơng vn vay: ________________________ 270
9.1.4. Quy tr×nh ®iỊu chnh k h¹n nỵ, gia h¹n nỵ: __________________________ 272
9.1.5. Quy tr×nh thu nỵ: _______________________________________________ 274
9.2. Quy tr×nh cho vay CBCNV: __________________________________________ 275
9.2.1. C¸c v¨n b¶n ph¸p lý:____________________________________________ 275
9.2.2. Quy ®Þnh cơ thĨ vỊ Cho vay CBCNV: _______________________________ 276
9.2.3. Quy tr×nh Thđ tơc Cho vay vµ Thu nỵ: ______________________________ 279
9.3. Quy tr×nh cho vay mua nhµ tr¶ gp: ___________________________________ 284
9.3.1. Quy ®Þnh cơ thĨ: _______________________________________________ 284
9.3.2. Quy tr×nh cho vay: ______________________________________________ 286
9.4. Quy tr×nh cho vay du hc: ___________________________________________ 291
9.4.1. Quy ®Þnh cơ thĨ: _______________________________________________ 291
9.4.2. Quy tr×nh cho vay: ______________________________________________ 292
9.5. Quy tr×nh cho vay c b¶o ®¶m b»ng sỉ tit kiƯm, k phiu, tÝn phiu, tr¸i phiu,
chng t c gi¸ kh¸c:________________________________________________ 297
9.5.1. Quy ®Þnh cơ thĨ: _______________________________________________ 297
9.5.2. Quy tr×nh cho vay: ______________________________________________ 297