Kiem Soat Tin Dung 2

8/2/2019 Kiem Soat Tin Dung 2

1/27

10/12/20

NGHIP V KIM SOTTN DNG

Trnh by: L Thanh Hi

Ph phng ph trch- Phng QL&HTTD HO

PHNG QL&HTTD HO

I. Mcch v nguyn tckim sot:

1. Mcch:

- Kim sot vic thc thi cc iu kin cp tn

dng theo ng ph duyt.

- Kim sot vic tun th ng quy nh, quytrnh nghipvcp tn dngca HDBank.

=>Bom an ton cho HDBank trong hotng

cp tn dng.

NGHIP V KIM SOT TN DNG


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2. Nguyn tckim sot:- Tun thvicthchin theo cc ph duytca

cp c thmquyn, cc quy ch, quy nh, quy

trnh ca HDBank, quy nhca php lut.

- Tun th theo quy trnh kim sot trc, trong

v sau khi gii ngn.

- Thchin nhanh chng, chnh xc, kpthi.- Hon tt cng vic trong chun thi gian c

quy nhivitngloi cng vic.


II. Quy trnh kim sot:

Trc khi cp tn dng => Trong khi cp tn

dng => Sau khi cp tn dng.

1. Trc khi cp tn dng:

1.1 Kim sot ph duytngthmquyn:- ngthmquyn xt duyt, trnh t xt duyt.

- ng,ch k ph duyt.



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1.2 Kim sot hscp tn dng: Kim sot tnh y,hp l cah s khch

hng cung cp km theo nghcp tn dng:

h s php l; h s ti chnh, sn xut kinh

doanh; hsti snbom.

Kim sot h s son tho: Cc loi hp ng

bom; Hpng tn dng; KUNN/Giynhnn; Vnbn lin quan n th tcbo m,

nghav ti chnh/trn; Cc cam kt.


a. Kim sot hsphp l:

- Khch hng c nhn:

Giytcung cpng tn khch hng, Bn th

3 (nu c).

CMND/Hchiu cn hiulc. H khu/Giy ng k tm tr c thi hn

(KT3)

Giychngnhnng k kt hn (nu c).



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Giy xc nhnc thn v/hocbn n, quytnh ly hn cach ti sn: thihn/thiim

c hiulc.

Mi quan h gia nhgia Bn vay v Bn th

ba: Giy khai sinh/hkhu; Giy xc nhnca

chnh quynaphng


- Khch hng tchc: ton bgiy t cung cp

phithhinng tn tchc.

Giy php thnh lp/KKD/GPT/GCNT.

Giychngnhnng k m sthu(nu c)

iul cng ty. Giychngnhniukin kinh doanh (i

vi cc ngnh ngh kinh doanh c iukin).

Thng tin ngi i din theo php lut hoc

theo uquyn.



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Vn bn u quyn/vn bn xc nhn thmquyn => cn hiulc.

CMND/H chiu cn hiu lc ca ngi i

din.

Mi quan hgia Bn vay v Bn th 3:

* Quan h nhn thn.

* Thnh vin gp vn: KKD/iul/xcnhnvn gp.

* Thnh vin BH: Quytnhbnhim.


Lu :- Thihnsdngca cc giyt.

- Cc bn sao phi c chng thc hoc k xc

nhni chiuvibn chnh ca chuyn vin

nhnhs.- ivihscp tn dngcbombng

TTK, Sd TK, Giytc gi. => kim sot

tnh hp l ca h s ti sn v thi hn cn

csdngcagiyttu thn.



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b. Kim sot hsti chnh, snxut kinh doanh:

- Khch hng c nhn:

Hpng lao ng; Giy xc nhn cng tc.

Bng xc nhnlng/sao k ti khon.

Hpng cho thu nh, xe. (nu c)

Ho n, hpng, cc chngt ti liu c lin

quan (nu c): Ho nnp thu, ho n tin

in/tinnc.


- Khch hng tchc:

Bo co ti chnh: Bng cn i k ton; Bo

co ktqu kinh doanh; Thuyt minh bo co ti

chnh; Bo co luchuyntint.

Bng k chi tit cng n, cc khonphi thu,phitrca khch hng (nu c).

Ho n, Hpng kinh t v cc chngt, ti

liu c lin quan (nu c).



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=> Kim sot tnh hplca cc giytdo khch

hng cung cpng Bn nghcp tn dng

v/hoc Bn cam ktngtrn.


c. Kim sot ti snbom:

- Kt qu thm nh gi: Phi c ch k ca

chuyn vin nh gi v ph duyt ca cp c

thmquyn ph duyttr gi ti snbom.

- Ni dung thmnh ti snphi thhin: y, ng ch s hu/ng ch s hu ti sn

bomcakhoncp tn dng; Thng tin v

ti snbo m, tr gi ti snbo m; s

lng,loi ti sn(ngsn).



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- Cc giytchng minh quynshu/quyns

dng ti snbom:phing ti snbom

theo ph duyt v ph hpvini dung trn kt

quthmnh gi.

- Giy xc nhn ti sn ring; Vnbnthothun

phn chia ti sn.. (nu c).

- ivi ti snbom l TTK/GTCG.hs

ti sn khng c ktqunh gi.


d. Kim sot hscp tn dng:- T trnh thmnh: ch k, h tn ca chuyn

vin thm nh, xt duyt ca cp c thm

quyn; xp hng tn dng nib ca khch

hng; Mcchcp tn dngphi ph hpvimcchca khch hng, quy nhca NHNN

v HDBank.



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- Thng tin CIC: tn khch hng ngvihsphp l khch hng cung cp; tnh trng quan

hti cc TCTD.

- Ph duyt cp tn dng: Bin bn hp/Quyt

nh/Thng bo => bo m ng cp, ng

thmquyn ph duyt v c ych k theo

quy nh.


e. Hssontho:

- Cch thckim sot: ichiuhssontho

vini dung ph duyt, hsphp l v hs

ti snca khch hng.

- Ni dung kim sot: Hnh thc: theo ngmubiu do HDBank ban

hnh.

Thng tin cc bn: Bn th chp/cm c, Bn

nhnthchp/cmc, Bn ccp tn dng.



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Thng tin v ti snbom: tn/ach ti sn;m t chi tit ti sn; s lng, cht lng ti

sn; ni gi ti sn (ng sn); cc giy t

chng minh Quynshu/Quynsdng.

Thng tin vvic muabohim cho ti snbo

m(nu c): tr gi mua bohim; ngi mua

bohim; ngithhng.


Hnh thc cp tn dng; Tng s tin cp tn

dng; s tin ca tng loi hnh cp tn dng;

Thihnhiulccahnmc;

Li sut; khntrn; hnh thcgii ngn; thi

hn vay; tr gi ti sn; sHpng tn dng. Ph: th hin s tin hoc cng thc tnh ca

tngloi ph



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Ni dung thng tin phi thhin chnh xc vy, chnh xc v chtchvmt php l.

theo Ph duyt tn dng; h s tn dng hoc

theo quy nhca HDBank.

Loi hpng,vnbn: ng v y theo

yu cuca Ph duyt tn dnghoc theo quy

nhca HDBank.=> K nhy kim sot vo tng trang.


2. Trong khi cp tn dng:

2.1Kim sot vic k kt cc Hpng,vnbn v

ktquthchin cc ph duytvTSB:

- Kim sot vic k kt cc HTD, HB v cc

vnbn, cam kt khc: ych k (ngthmquyn),mcdu; h

tn ca cc bn tham gia; du gip lai ca

HDBank/Bn cp tn dng/Ch ti sn(nu c).



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i chiu ch k ca Bn c cp tn dnghoc Bn th 3 phi trng khp giaHTD,

HB,nngh vay v cc chngt c lin

quan

Vic chnh sa, ty xo trn hp ng, vn

bn.phic ngi chnh sa k xc nhn

(k nhy) v ngdu vo ngay ni dung chnhsa.


- KtquchngnhnHB cng chng/chng

thc, giao dchbom:

Ngy hiulc;

H tn, ch k ca cng chng vin v idin

c quan ng k; mc du ca c quan cngchng,cquan ng k;

Ni dung v thmquynchngnhnphi ph

hpviHB cng chng/nng k.



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- Trong trnghpkhoncp tn dngc Phduytgii ngn sau khi hon ttthtcng

k th chcgii ngn khi c ktqung

k.

- Phong to ti snbom:

ngloi ti sn,tr gi, thihn phong to.

Ni dung xc nhn trn giy phong to; h tnv ch k cangi k phong to; ngmc

catchc phong to.


- Bin bn kim tra hng ho nhp kho: ng

chng loi hng ho, s lng,cht lng, gi

tr hng ho.

- Nu c ph duyt yu cu muabohim cho ti

sntrc khi gii ngn: Tn bn mua bohim; loibohim, ti sn

bohim,s tin, thihn mua bohim, thi

hnhiulccabohim,ngithhngbo

him.



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10/12/20

Bn chnh giychngnhnbohim ti sn.- Trnghp ti snc mua bohim m

ngithhng khngphi l HDBank:

Vnbn chng minh ch ti sn chuyn

nhng/lm th tc chuyn nhng quyn th

hng cho HDBank.

Bn chnh vn bn chng nhn HDBank lngithhngbohim.


Vnbn thng bo cho cng tybohimbitv

vicchuynnhngngithhng.

- Bin nhn h s TSB: c i din

HDBank v ch ti sn k tn, ngduy.



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2.2 Kim sotbn chnh chngtshucahsTSB:

- ichiuhsti snvi Bin nhn ti sn:

ngchshu/loi ti sn v slngbn

chnh cagiytti sn.

Hnh thc TTK/CTCG:phi c y thng tin

vtchc pht hnh, loitin,stingi, ngypht hnh, tn/chc v/ch k ca ngi k

pht, mcdunv pht hnh.


- Kim sot vic nim phong v nhp kho hs

TSB:

ngchshu/loi ti sn.

slngbnchnh/bn sao ca cc chngt

bn trong bao hsTSB. Ch k ca cc bn nim phong.

Ngy nim phong.



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2.3 Kim sot vic tun th cc iukin ph duytcp tn dng, iukingii ngn:

- Kim tra iukingii ngn nhmmbo cc

iukin theo ph duytcpngy

: ichiuvi ph duyt,viT trnh thm

nh khch hng (lnu).

- Thihn,hnmc cn c php gii ngn.- Vic tun thiukin ph duyt ln trc v

lngii ngn ny ca khch hng (nu c).


- Vicb sung chng t cn thiu theo cam kt

ca khch hng.

- Chng t chng minh mc ch s dng vn

(nu c):

Chng tphi hp l, ngmc ch vay vkhng trng lp vi chng t HDBank ti

tr;

Ni dung chngtphing ph duyt v quy

nhca HDBank v php lut.



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- Kim sot vic tun thng trnh t php lv TSB: cng chng/phong to (nu c)

ng k nim phong ti sn gi kho. Tr

trnghp c ph duyt khc cacp c thm

quyn hoc snphm c quy trnh quy nh

khc.

- Kim sot vic thc hin cc quy nh caHDBank lin quan nkhoncp tn dng:

Thanh l/tt ton cc khonn(nu c).


Thu ph(nu c): thu v ng cc khon ph

lin quan nkhoncp tn dng.

K qu: khch hng k qung t l/s tin

theo quy nhhoc theo yu cuca ph duyt.

Cng tc kim tra v bov hng ho chon tt.

Hon tt cc iukin khc theo quy nhca

tngloisnphm.



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- ivi cc khoncp tn dngcha tun ththeo ng ph duyt: KSVphi yu cu chuynvin tc nghipkhcphc,b sung.cho phhp.

- Trnghpkhoncp tn dngcthchinkhng ng vi ph duyt hoc c yu t vi

phm quy nhca HDBank (thmquyn phduyt, quy nhcp tn dng) => KSV phibo co v Phng QL&HTTD HO chtrvnghipv.


2.4 Kim sot ni dung thng tin sontho:

- Ttrnh gii ngn/pht hnhbo lnh/pht hnh

L/C trong hnmc.

- KNN/Giynhnn:

Thng tin ca Bn nhn n; S hp ng tndng; Tng s tincp tn dng; dnc; s

tinsgii ngn;

Thihn vay; Li sut; khn trn; phng

thcgii ngn; thihn vay..



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2.5 Kim sot thng tin trn hthng Symbols:- Kim sot thng tin TSB: ichiu thng tin

TSB trn hthngviHB k.

- Kim tra vic phnb m ti sn vo khon vay,

nhp thng tin bohim cho TSB muabo

him, phn b m ti sn vo m d n (trng

hpthchpbtngsnd n) trc khi phduytgii ngn trn hthng.


- ichiu thng tin Bn ccp tn dng, gi

tr khon gii ngn, hn mc cn c gii

ngn, li sut,thihn thay i li sut,chuyn

nhm n.

- Kim tra khon vay cgii ngn vo ng tikhon trung gian canv.



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3. Sau khi cp tn dng:3.1Khoncp tn dng cn hiulc:

a. Kim sot hs:

- Kim sot vic hon thin th tc ng k

GDB i vi cc khon ph duyt cho php

gii ngn khi cha c ktqung k GDB.

- Kim tra vic thchin cc cam kt theo hpng tn dng, theo ph duyt tn dng.

- Thchinvic ti muabohim theo quy nh.


- Vicb sung chngtchng minh mcchs

dngvn vay: phinghn, ph hpvi ph

duyt v mcch vay vn m khch hng

cam kt.

- Kim sot vic tmxut v hon trh s tisnbom.

- Nhng iu kin/tho thun khc gia khch

hng v HDBank.



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b. Kim sot trn hthng Symbols:- Kim tra vic thay i v cpnht li sutng

v kpthi theo KNNhoc theo ph duytca

cp c thmquyn.

- iuchnh theo ph duyt:

Tng/gimhnmc tn dng.

iuchnhkhnn, thay i ngy trn. Thu vn, li trc/tronghn, ph.

iuchnhtr gi, thay iTSB.


3.2Khoncp tn dngnhnhoc theo ngh

thanh l/tt ton trchn:

- Thu v ng cc khonngc, li, ph.ca

khoncp tn dng.

- Kim sot vic son tho cc vn bn giichp/giito.

- Cc iu kin xut ngoibng ca Thbo

lnh: c vnbnchng minh nghavbo lnh

ca HDBank iukinchmdt.



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- XutngoibngTSB khi nghavbomca ti snchmdt: c thchin trc

khi hon trTSB cho khch hng.

- Bom ti snphic hon tr cho chnh

chshu/sdng.

- Cc Drawdown htdn th phic tt

ton (payoff).


III.Cch thc kim sot chng t s dng vn

vay:

1. Ni dung kim sot:

- Tnh ph hp: ph hpvis tin HDBank

gii ngn, ph hp vi mc ch vay vn vng Bn ccp tn dng.

- Thi im xut trnh chng tphi ng thi

hn theo yu cuca ph duyt.



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- Ngy pht sinh: phi ph hpvi thihn doHDBank quy nh.

- Chng t khng c trng lp: chng txut

trnh khng phi l chng t HDBank hoc

TCTD khc ti tr.

- Chngtphihpl,hp php.


2. Loichngt:

2.1 Nhm chngt thng thng:

- Hpng mua bn, nt hng;

- Chngtk ton theo quy nhca php lut:

Ho n mua hng trong nc. Ho n mua hng nc ngoi.

Chi phlngbng.



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2.2Nhm chngt mang tnh c th:- Hpng thi cng.

- Hp ng chuyn nhng quyn s dng t;

Hpng mua bn nh.

- D ton xy dng,sacha..

- Hnh nhchphoc cc chngt khc cho cc

snphmc th.


IV.Cc tnh hung (Case study):

1. Tnh hungth 1:

ng A vay vn ti ngn hng, th chpbng

BS. Mtphn BS nm trong l gii quy

hoch hnh lang an ton. ng A n UBNDphng xin xc nhn tnh trng nh b sung

hscng chngthchp. UBND phng xc

nhn trn nnh sau: mtphncn nh nm

trong lgii quy hoch hnh lang an ton.



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=> Chuyn vin QL&HTTD vn cho khch hngtin hnh th tc cng chng bnh thng,nh

vy l ng hay sai?


2. Tnh hungth 2:

Khch hng B vay, thchp ti sn l quyns

dngt. Tithiimthchp, khch hng B

cha xy nh trn t. Sau khi gii ngn, khch

hng xy nh trn t th chp. Trnghp ny phi yu cu chuyn vin QHKH

ngh khch hng cng chngb sung v ng

k thay ini dung ng k hay phi tin

hnh thtc cng chng,ng k li ?



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3. Tnh hungth 3:Khch hng vay l Cng ty TNHH MTV, hn

mc tn dngccphthn. Nay khch

hng ngh ti cphnmchnmcc th

c cnphi yu cu khch hng lm li Bin

bnhpHing thnh vin hay khng ?


4. Tnh hungth 4:

Khch hng vay l doanh nghip 100% vnu

tnc ngoi ngh vay 50.000USD thanh

ton cho Hp ng tr gi 75.000USD, TSB

mbo cho gi tr khon vay ln n100.000USD, php l y . gii ngn,

KSV phi yu cu khch hng cung cp cc

chng t g chng minh mcch sdng

vn vay ?



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5. Tnh hungth 5:Khch hng vay 500 triubo mbngbt

ng sn, khon vay thuc thm quyn ph

duyt ca Trng PGD. Cc hp ng ca

khon vay ny do Trng PGD k. Nay khch

hng mun vay thm 1.600 triucbom

bng ti sn trn. Vy Trng PGD c cphp k cc hp ng cho khon vay ln ny

na hay khng ? Ti sao ?


CM N CC ANH/CH LNG NGHE !

PHNG QL & HTTD HO

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