H thng Xp hng Tn dng Ni b

i vi Khch hng Doanh nghip v

Khch hng C nhn

NI DUNG TRAO I

Gii thiu tng qut v qu trnh trin khai HTXHTDNB

ti LienVietPostBank1

Mc ch H thng XHTDNB mi2

Nhng im khc bit gia H thng XHTDNB mi v

H thng XHTDNB c3

Qu trnh trin khai HTXHTDNB ti LPB

o to

Tp hun

H thng

vn bn

Phn

mm

B ch

tiu

p dng

chnh thc

2011

2012

Qu 1 2013

Qu 3/2013

p ng Yu cu ca

LienVietPostBank

p ng Yu cu ca

NHNN

1. H tr thm nh, ph

duyt cp tn dng v

qun l ri ro tn dng

2. Xy dng chnh sch

Khch hng

3. Khc phc nhng im

yu ca h thng XH c

Yu cu ca NHNN v H

thng XHTDNB ti Thng t

02 c hiu lc t thng

6/2014

Mc ch H thng XHTDNB

Nhng im khc bit gia HTXHTDNB mi v HTXHTDNB c

1. Cng c

Text

Text Text

2. i tng 3. Thi im 4. Thnh phn G

C

MiPhn mm

Excel

Cho vay + TPDN

Mi i tng KH

(qu hn, mi TL)

Cho vay

C BCTC 2 thi im

Khng qu hn

XH nh k 2

ln/nm

-B sung thm Ngi qun

tr h thng

- VKD chu trch nhim

c lp v kt qu XH

Chm im Kim sot

Ph duyt

KHCN: VKD ph duyt

KHDN: TG ph duyt

KHDN: nh k

2ln/nm

KHCN: Theo

khon vay

Nhng im khc bit gia HTXHTDNB mi v HTXHTDNB c

5. B ch tiu

Chi tit

Text

Text Text

6. Kt qu XH 7. H s

Bo co8. Vn bn

C

Mi

Phn theo: Loi KH,

Mc ch vay; Ngnh,

quy m, Thi gian quan

h TD, BCTC

1 BCT/1 i tng

(3 i tng: DN,

CN, HKD)

KHCN: XHTD cho

tng khon vay

KHDN: Ch nh

Lu bn giy v trn

phn mm

Kt xut d liu trn

phn mm

VKD in file excel

k v lu bn Giy

- Quy nh XHTDNB;

- S tay hng dn chm

im;

-HDSD phn mm

Quy nh XHTDNB

Khng Quy nh

KH c mt hay

nhiu

Kt qu XH

KH DN

DN Ln, TB, Nh

(80 CT)

3 quym

19ngnh

BCTC

DN Siu Nh

(56 CT)

2 ngnh BCTC

DN Mi TL

(38 CT)

KHDN

01 BCT KHDN

(32 CT)

3 quym

5 ngnh

H thng mi H thng c

KH C/Mi

Du hiu cnh bo

NGNH NGH KINH T (1)

STT Ngnh kinh t - DN Ln Trung bnh Nh/Mi thnh lp Ngnh - DN Siu nh

1 Nng nghip, lm nghip v thu sn

Ch bin, sn xut,

xy dng

2 Sn xut, ch bin thc phm, ung, thuc l

3 Sn xut, ch bin, kinh doanh g v cc sn phm t g

4 Sn xut thuc, ho dc, dc liu, nha, ho cht, cao su, phn bn

5 Sn xut sn phm in t, my vi tnh v sn phm quang hc

6 Sn xut, phn phi in, nc, nng lng, dch v vin thng

7 Sn xut kim loi, khong phi kim loi

8 Sn xut my mc, thit b, sn phm t kim loi c sn

9 Xy dng, xy lp

10 Khai thc, kinh doanh khong sn v ti nguyn thin nhin

11 Dt, may, sn xut trang phc, da, giy

NGNH NGH KINH T (1)

STT Ngnh kinh t - DN Ln Trung bnh Nh/Mi thnh lp Ngnh - DN Siu nh

12 Kinh doanh bt ng sn

Thng mi, dch v

13 Dch v n ung, vui chi, gii tr v dch v khc

14 Dch v vn ti kho bi v cc hot ng h tr

15 Dch v gio dc, y t, t vn, khoa hc cng ngh

16

Thng mi hng tiu dng, nng nghip, lm nghip, thu sn, thc

phm

17 Thng mi gas, kh t, nhin liu khc

18 Thng mi thuc, ho dc, dc liu, nha, ho cht, cao su, phn bn

19 Thng mi hng cng nghip nng (my mc, thit b, kim loi)

QUY M KHCH HNG

S lng lao ng bnh qun

Ch tiu

Doanh thu thun

Ngun vn ch s hu

Tng ti sn

Quy m

Ln

Trung bnh

Nh

Siu nh

XC

NH

QUY

M

PHN LOI KH MI - C

STT Loi KH Tiu ch

1 Khch hng MI

Cha tng c quan h tn dng vi Ngn hng hoc tng c quan h tn dng

nhng thi gian gin on quan h ln hn 12 thng.

ang c cp tn dng vi Ngn hng nhng cha n k tr n/gc li u tin

2 Khch hng C

tng hoc ang c cp tn dng vi Ngn hng v thi gian gin on quan h

nh hn hoc bng 12 thng.

ang c cp tn dng ti Ngn hng, qua k tr n gc/li u tin.

B CH TIU TI CHNH

im tichnh; 35%

im phi ti chnh;

65%

CH CHP NHN BO CO TI CHNH NM

kim ton

Cha kim ton

im tichnh; 25%

im phi ti chnh;

75%

DN SIU NH

im tichnh; 20%

im phi ti chnh;

75%

???; 5%

im tichnh; 30%

im phi ti chnh;

65%

???; 5%

DN LN TRUNG BNH NH

B CH TIU TI CHNH

Ring KH Mi thnh lp KHNG CHM IM TI CHNH, KHNG XC NH QUY M. KH Mi

thnh lp l cc doanh nghip thuc mi quy m (ln, trung bnh, nh, v siu nh) nhng cha c y

bo co ti chnh trong 2 nm k t khi c doanh thu hot ng sn xut kinh doanh

imTi chnh

I

Nhm ch tiu thanh khon

IINhm ch tiu

hot ngIVNhm ch tiu

thu nhp

III

Nhm ch tiu cn n

B CH TIU PHI TI CHNH DN LN TRUNG BNH NH

imPhi ti chnh

V

I

nh gi kh nng tr n ca KH

II

Trnh qun l vmi trng ni b

IVCc nhn t nh hngn ngnh

III

Quan h vi Ngn hng

Cc nhn t nh hngn hot ng ca DN

B CH TIU PHI TI CHNH DN SIU NH

imPhi ti chnh

V

I

Kh nng qun tr ca ch Doanh nghip

II

Quan h vi Ngnhng

IVCc nhn t nh hngn hot ng ca DN

IIICc nhn t nh hng

n ngnh

Kh nng tr n datrn dng tin thc t

B CH TIU PHI TI CHNH DN MI THNH LP

imPhi ti chnh

IV

I

Kh nng qun tr ca ch Doanh nghip

III

nh gi ri ro t mi trng hot ng ca DN

IInh gi tnh hnh

kinh doanh

nh gi ri ro t ccyu t ti chnh

TNG IM - DU HIU CNH BO

Tng im ti chnh v t trng im ti chnh

Tng im phi ti chnh v t trng im phi ti chnh

Bo co ti chnh c kim ton/cha kim ton

TNG IM

Tng s imXp hng

T n di

90 = 100 AAA

85 90 AA

80 85 A

73 80 BBB

70 73 BB

65 70 B

60 65 CCC

53 60 CC

44 53 C

0 44 D

Du

hiu

cnh bo

Hng

iu

chnh

KH c nhn/ H KD

C nhn Tiudng (32 CT)

Ti sn bom

C Nhn ut (39 CT)

H s ri ro:

- Sn phm vay,

- Ngun tr n

H KD/ Cnhn KD

(57 CT)

Ti sn bo m

KH c nhn/ H KD

C nhn

(24 CT)

H KD

(50 CT)

H thng mi H thng c

KH C/Mi

Du hiu cnh bo

B CH TIU TNH IM KHCH HNG C NHN

B ch tiu

Khch hng

CN Tiu dng

u t

I

Ch tiu v nhn thn

IIKh nng tr n ca KH

v ngi ng tr nIVnh gi v

phng n u t

III

Quan h vi Ngn hng v cc

t chc tn dng khc

B CH TIU TNH IM KHCH HNG H KINH

DOANH C NHN KINH DOANH

B ch tiu

Khch hng

HKD

I

Thng tin v ch h kinh doanh

IIThng tin khc lin quan

n c s kinh doanhIVPhng n kinh

doanh

III

Quan h vi Ngn hng v cc

t chc tn dng khc

XC NH H S RI RO SN PHM VAY

STT Cc sn phm vay H s ri ro Loi sn phm

1 Cho vay tiu dng c Ti sn m bo 96% Vay Tiu dng/u t

2 Cho vay tiu dng khng TSB- Tn dng c nhn 90% Vay Tiu dng/u t

3 Cho vay th Golf 98% Vay Tiu dng/u t

4 Cho vay mua nh t 96% Vay Tiu dng/u t

5 Cho vay mua nh t th chp bng ti sn hnh thnh t vn vay 92% Vay Tiu dng/u t

6 Cho vay mua t vi KH c nhn 92% Vay Tiu dng/u t

7 Cho vay du hc 98% Vay Tiu dng/u t

8 Cho vay tiu dng - Tn dng Hu ch 96% Vay Tiu dng/u t

9 Cho vay tiu dng khng c TSB - Tn dng thn nhn 96% Vay Tiu dng/u t

10 Thu chi c TSB i vi KHCN 96% Vay Tiu dng/u t

11 Cho vay ng trc tin c tc 96% Vay Tiu dng/u t

12 Du hc thnh ti 98% Vay Tiu dng/u t

13 Thu chi khng c TSB i vi CBNV 98% Vay Tiu dng/u t

14 Tn dng an c 96% Vay Tiu dng/u t

15 Cho vay cm c GTCG 100% Vay Tiu dng/u t

16 Chit khu Cng c chuyn nhng, giy t c gi khc 100% Vay Tiu dng/u t

17 Cho vay ngn hn - Tn dng chng khon 88% Vay Tiu dng/u t

18 Cho vay sn xut kinh doanh ngn hn 100% H kinh doanh/CN kinh doanh

19 Cho vay sn xut kinh doanh tr gp 98% H kinh doanh/CN kinh doanh

20 Cho vay pht trin nng nghip nng thn 96% H kinh doanh/CN kinh doanh

21 Cho vay kinh doanh ch 92% H kinh doanh/CN kinh doanh

XC NH H S RI RO NGUN TR N

Ri ro i vi ngun tr n C nhn tiu dng C nhn u t

Ngun tr n l thu nhp lng 100% 100%

Ngun tr n l thu nhp kinh doanh 95% 99%

Ngun tr n l t lng v t kinh doanh 99% 100%

Ch yu l ngun khc 90% 90%

NH GI TI SN BO M

STT Tiu ch La chn

1 Loi TSB

Giy t c gi

Bt ng sn

Phng tin vn ti

Khc

2 S y ca h s php ly

ang hon thin /Cha y

3 Mc hon thnh ca TSB T l hon thnh ca TSB

4 T l vn ch s hu trong gi tr TSB Theo t l vn ch s hu trong gi tr TSB

5Xu hng gim gi tr trong 12 thng ti theo

nh gi ca Cn b chm im

0%

T 0% n di 10%

T 10% n di 20%

T 20% n di 30%

Trn 30%

Du hiu

cnh bo,

H s ri ro

Hng

iu

chnh

TSBQUYT NH CHO VAY

Tng s imXp hng

T n di

90 = 100 AAA

80 90 AA

73 80 A

70 73 BBB

63 70 BB

60 63 B

56 60 CCC

53 56 CC

44 53 C

0 44 D

TNG IM - DU HIU CNH BO

Bng tng hp thng tin xp

hng tn dng khch hng:

Bo co kt qu chi tit

xp hng tn dng:

STT M BC Tn BC

1 BCTH01Bng tng hp thng tin xp hng tn

dng khch hng

2 BCTH02 Bo co tnh trng chm im tng hp

3 BCTH03Bo co kt qu chi tit xp hng tn

dng

4 BCTH04Bo co cc khch hng c du hiu

cnh bo v du hiu khng tr c n

5 BCTH05Bo co 50 Khch hng c d n ln

nht

6 BCTH06 Bng ma trn chuyn hng

7 BCTH007 Bo co theo hng khch hng

8 BCDN01Bo co phn loi khch hng doanh

nghip

9 BCDN02Bo co so snh thng tin ti chnh cc

doanh nghip tng ng cng ngnh

DANH MC BO CO QUN TRBO CO QUN TR