LienlhetPustgaalc NGAN HANG BU U DIEN LIEN vieT Quy trinh Nghiep vy cho vay Khdch hang HDQT

So: C7V/2012/QT-HDQT

Hau Giang, ngay //5 thing .14 nom 2012

QUY TRINH

NGHIt13 VU CHO VAY D6I V6I KHACH HANG

HQI HONG QUAINT TRt

Can cu Lust cac to chirc tin dung se 47/2010-QH12 ngay 16/06/2010 do Quac hoi Ntrk CHXHCN Via Nam ban hanh;

Can cu Quy the cho vay coa T6 chirc tin dung dei vOi Khach hang ban hanh theo Quyet dinh s6 1627/2001/QD-NHNN ngay 31/12/2001 dm Thong doc Ngan hang Nha nubs va cac van ban siva doi, b6 sung;

Can cis Giay phep thanh lap va boat Ong s6 91/GP-NHNN ngay 28/03/2008 cOa Thong dac NHNN Via Nam cap cho Ngan hang TMCP Lien Viet (duot dei ten thanh Ngan hang TMCP Bun dien Lien Viet theo Quyet dinh so 1633/QD —NHNN ngay 22/7/2011);

Can cv theo Dieu le Ngan hang TMCP Buu dien Lien Viet da dirge Thong den NHNN Viet Nam chap thuan theo Cong van so 1863/TTGSNH6 ngay 31/07/2012;

Can cu Quy the to chat va boat Ong cua bo may Dieu hanh Ngan hang TMCP Bun dien Lien Via s6 510/2012/QC-HDQT ngay 25/06/2012 ctia HOi Ong Quan tri;

Can cu Quy the cho vay dai voi Khach hang so 139/2011/QD-HDQT ngay 05/04/2011 coa Ha Ong quan tri Ngan hang TMCP Bun dien Lien Viet va cac van ban b6 sung, sfra dei co lien quan;

Can cu phe duyet cda. 110i clang tin dung HOi s& theo Th6ng ban s6 1732/2012/TB-HDTDHS-LienVietPostBank ngay 30/10/2012;

Can cu Bien ban tong hop 5, kien Thanh vien HOi ding Quail tri se,3124/2012/THYK-HDQT ngay 43 /44/2012 ye viec thong qua Quy trinh nghiep vu cho vay dai voi Khach hang;

Can cu de xutt cua Giam dac Khei San phim va chu tich Ha Ong Cong nghe.

QUY DINH:

CHUICING

QUY DINH CHUNG

Dieu 1. Muc Bich, d6i hiving Up dung va phum vi dien chinh

1.1. Quy trinh nay quy dinh mot each thong nhat trinh hr, the tuc thuc hien nghiep vu cho vay dei ved Khach hang (bao gem Khach hang Doanh nghiep va Khach hang Ca nhan) tai Ngan hang But dien Lien Viet.

1.2. Quy trinh nay co hieu !tic ap dung tren toan he thong Ngan hang Bun dien Lien Via.

Phien ban 02/2012 1/25 Ltru hcinh nai ba

LienifietPostBanit 'Lao' NGAN HANG BLIU DIEN LIEN VIET

Quy trinh Nghiep vu cho vay voi Khkh hang HDQT

1.3. 00i vei tUng san pham cho vay cc' the, nau duoc xay dung voi quy trinh, hueng dAn, mAu bieu rieng cua Ngan hang Buu dien Lien Viet thl thuc hien theo quy trinh, huung

mAti biau riong cua san pliam do.

Dieu 2. GUM thich cac tir ngth

2.1. Cac tir ngit viat tat a. Ngan hang: Ngan hang Buu dien Li8n Viet;

b. KHDN: Khdch hang Doanh nghiep;

c. KHCN: Khach hang Ca nhan;

d. DVKD: Don vi kinh doanh;

e. PIKE: Pheng Khach hang/Ban Khach hang/T6 kinh doanh tai DVKD;

f. CVKH: Chuyen vien Khdch hang;

g. PQLTD: PhOng/Ban/B0 phan Quan 19 tin dung tai DVKD;

h. CVQLTD: Chuyen vien Quan 19 tin dung;

i. CVDG: Chuyen vien/Nhan vien thuac phOng/ban/b0 phan chiu trash nhiem tham dinh va dinh gia tai san bao dam tai DVKD;

j. CVTD: Chuyen vien tham dinh thuac Kh6i Tham dinh HOi sec

k. PKTGD&NQ: Pining/Ban/BO phan Ka toan giao *it & ngan quy tai DVKD;

1. HDTD: Rai long tin dung;

m. HDQT: Hai Tang Quan tri;

n. BTD: Ban tin dung tai DVKD;

o. PA/DA: Phuong an vay von/Du an dau ttr;

p. TSBD: Tai san bao dam;

q. CIF: Ma Khach hang &rat khai bdo tren he thong Flexcube;

r. NHNN: Ngan hang Nha nuerc Viet Nam;

s. SXKD: San xuAt kinh doanh.

2.2. Giii thich tie nee

a. Cho vay: La hinh thirc cap tin dung, theo do Ngan hang giao hoac cam kat giao cho Khach hang mat khoan tin de sir dung vao muc dich xac dinh trong mat theri gian nhAt dinh theo thoa thuan vei nguyen the co hoan tra ca gtic va lai theo quy dinh cua Ngan hang va Phap luat;

b. Dan vi kinh doanh (DVKD): Bao gam Se/ Giao dich, cac Chi nhanh, cac Phong Giao dich va the don vi khac duos pile!) cho vay theo quy dinh cue Ngan hang va phap luat;

c. Chi nhanh: La Giao dich, the Chi nhanh, Phang Giao dich daz Hifi cua Ngan hang;

d. T6 dinh gia: BO phan chiu trach nhiem tham dinh va dinh gia TSBD tai DVKD. To dinh gia hoat clOng theo quy dinh cua Ngan hang.

btu hanh not ba Phien ban 02/2012 2/25

erb nenthetliostaank Quy trinh Nghiep vu cho vay &Si vai Khach hang HDQT NGAN HANG BU'L/ DieN LIEN VIET

e. Lanh dao Dan vi kinh doanh: Bao gam Gam dac Sb Giao dich, Giam dac Chi nhanh, Giam &in PhOng Giao dich va ngubi clung dth cac don vi khac throe phep cho vay theo quy dinh cua Ngan hang;

£ Chuyen vien Khach hang: ChuyOn vion/Nhan vien thuOc PhOng Khdch hang/Ban Khach hang/T6 kinh doanh tai DVKD;

g. Chuy8n vien Quan 15/ tin dung: Chuyen vien/Nhan vien thuOc Phong/Ban/B0 phan Quin (5, tin dung tai DVKD hoac la CVKH tai Ph6ng giao dich lam nhiem vu cua CVQLTD;

h. Khach hang Doanh nghiep: Bao gam cac Khach hang vay Van tai Ngan hang la Doanh nghiep, to chi:re (khong bao gam cac T6 chile tin dung va can dinh the tai chinh);

i. Khach hang Ca nhan: Bao gam cac Khach hang vay von tai Ngan hang la ca nhan, t6 hap tac, HO kinh doanh;

j. H6 so Khkh hang: La b0 116 so do Khach hang lap va gui Ngan hang bao Om: hi) so phap 15/, ha sa vay van, ha sa tai chinh, ha so tai san bao dam ...;

k. Phieu luan chuyen h6 so: La phith sn dung theo doi, kiem soat quy trinh cho vay dot voi Khach hang tai Ngan hang tir khi tier) Vic Khach hang cho den khi hoan thien thti tue cho vay;

1. H6 so ThAm dinh: Bao gam be HO so Khach hang, ha so do DVKD lap va thu thap, to trinh tham dinh;

m. Ha so Phe duyet: Bao gam cac van ban lien quan den ph8 duyet tir DVKD den HOi so;

n. Ha so Giai ngan: Bao gam Ha so Phe duyet va cac van ban, chung tir giai ngan (Hop clang tin dung, Khe true (Gi'A'y) than no., Hop clang bao dam tien vay,...);

o. Cap ph@ duyet HOi Bao gam HOi long Quan trj, HOi long tin dung H(ti so, HOi clang tin dung khu we, Tang Gam &Se;

p. Flexcube: He thong Core Banking dm Ngan hang;

q. Ngay lam viec: la ngay Ngth hang me cira giao (Itch voi Khach hang binh thuang. TruOng hap chi lam viec buai sang thir 7 trong than thi ngay do cling dug° coi IA mot ngay lam viec.

Lim hank nal b0 Phien ban 02/2012 3/25

LienlhetPostBatik NGAN HANG MTh DIEN LIEN VIET

Quy trinh Nghi0 vu cho vay voi Khach hang HDQT

CHUONG II

LUC DO QUY TRINH CHO VAY

Di'h 3. Liru 8o guy trinh cho vay

LIM DO QUY MINH CHO VAY DOI VOI KHFiCH HANG

,AL

L

a44„

:LII

Elia hing P. Klock tang TO Sink gii Phong QLTD P.GDNQ GigHTD DVKD KlAi Thin <that HO

Cap phi duyet HO

Qu

asi

ly sa

c gil

l ng

lin v

i du

i hdi

no 4. G

in;

ngin

3

. R

oan

Mie

n ho s

o c

ho v

ay 2. P

hi &

got

cho

vay

( I

. T

im k

iem

KR

. c

hin

HS

.th i

m d

inh 1

0909 I Z

3,2413 I f o9

g L

5 30

08

I. 9

4900

l L. a9n

13

I 8

394

E1

Tiep sac, tiep nhian rthu eau cos KH

e I

Hd, so, tai neded .-____.....

Tik nhen, tam tra hb so KH

Them dinhasip & tnnh tin dung Them Binh TSBD

dint Tit them

I

-- --- - ....

--- - — 1

I ... I 7 1

—311-1° 6! Ttep nhan sg.,„ thong ban

-"` .. gtn KH thong bio 4— .--_—.r. 4 4 I--. Ok

14P thong bac _ pile &wet •---- .0-

Tien nhan vi Wm tra HO so phe duyet i

noon Ilion IA l._ so

H°In thiCn th6 ITc cho vay, ciao dieu c kien e duyet p

Soan thio, soit gin

kiem bin, HD

dant yin bin Kt kik Hop 14_ • Kg ket Hop

doing voi KH Kg ket ego vin 4 bin lien quan

Hoin thien cite thi tnc TSBD •

Y Tien nhin

TSBD 1 L i NI* Icho

] TSBD

6 49

40 I

01 41

09

Nhop hen he BAN

& Lou 14 so

* De nghj giii

ngin Tilton dish, lop to

trill giii ngen

Hoar mu, em sot ha son&

ngin

KS, ket cite gin .ben lien man

I II 09

nU

I

ZI 0

9M

3

4‘--- Hach fain, gni

"gin van 4 thd,ng

—.

Kiem soot chimg tit, any& tien giii ngin

Lou 1'8 so

1

' 164'111ra 8" gill ng.en, finis hinh

IC

- Chem sac KR - Ban chap SP. - PhOi hap WA QLTD &Igo /117. -Gila guy& cat yin de piled sinh

PhIPi hop yeti (-via/ dinh gad TSBD einn k9, dot salta theo quy dints

-Theo dos cat di u hien pile dust. - NhiC ng Ili, g& den

hr. dai " dm' no g“ IL - Gill owes cite van de phit nth. - Dinah Ig HD, gi chin tai sin • LIM Ira 118 so

Law hdnh nor b()

Phien ban 02/2012

4/25

bentetrestaath - NGAN HANG BU U DIEN LIEN VleT

Quy trinh Nghiep vu cho vay doi v@i Khach hang HDQT

CHUONG III

DIEN GIA. I QUY TRINH CHO VAY

Dieu 4. Giai dual' 1: Tim kiem Khich hang, tiep nhan he so, therm dinh va Yap to trinh.

. X 4.1. Bulk 1: T i p yak, tim hien nhu can cila Khich hang

a. CVKH la clau moi tim kiem, tiep thc, tim hieu, khai thac va hap nhan nhu eau vay van dm Khach hang.

b. Can cir theo nhu cau vay van dm Khach hang, CVKH to van, huoing clan Khach hang chuan bi the ha so a nghi vay van theo quy dinh. CVKH c6 Oath nhiem lap Huang dAn chuAn bi ha so de nghi vay von theo Meru se 01/QTCV cua quy trinh nay a giri tai Khach hang.

c. Chi tiet throng dAn Khach hang cung cap giAy t& lien quan den khoan vay dug° thkrc hien theo Phy lyc so 01/PL-QTCV ap clung dal voi KHDN hoac Phy lye sa 02/PL-QTCV ap clang doi voi KHCN cda quy trinh nay.

d. Quy dinh khac:

136i vai Khach hang mai chua co tai khoan tai Ngan hang, ngoai viec Song an lap ha so de nghi vay von; CVKH c6 trach nhiem Sang dan Khach hang mo tai khoan tai Ngan hang..

Trong qua trinh Khach hang chuan bi ha so, CVKH co trach nhiem dui tang lien lac vai Khach hang a ha try, to van Khach hang chuan bi h6 so.

4.2. Hu& 2: Tiep nhan , W.& tra ho so. cilia Khich hang

a. CVKH time hien dap nhan va kiem tra H6 so Khach hang, bao gam: Ha sa phap Ha sa tai chinh, Ho sa vay yen, Ha sa Tai san bcio dam va Ho sa khcic phyc vu

cho viec them dinh Moan vay (niu co). Chi tiet cac loai gay to can tiep nhan va kiem tra ha so thkrc hien theo Phu lyc so 01/PL-QTCV dai vai KHDN hoac Phy lye sa 02/PL-QTCV voi KHCN kern theo Quy trinh nay.

b. CVKH co trach nhiem lap 02 ban Phiau giao nhan H6 so Khach hang theo Mau se 05/QTCV Ai) dung dei vai KHDN hoac Mau sa 06/QTCV ap dung diai vai KHCN va thus hien Icyf the nhan voi Khdch hang, sau do giao 01 ban cho Khach hang, 01 ban km cling Ha so Khach hang.

c. CVKH c6 trach nhiem lap Phial] luan chuyen ha so theo Mai/ se 08/QTCV cua quy trinh nay; bao cao Lanh dap PKH ve nhu cAu vay von cua Khach hang.

d. Khi Wei) nhan h6 so M. Khach hang, CVKH phai thkrc hien kiem tra tinh day dii, than that, hop le, hap phap va thong nhat dal voi hO so do Khach hang cung cap; Thong bao cho Khach hang nhang ha so can phai sfra TOL 1)6 sung theo quy dinh.

e. Viec hap nhan ba sung van ban, chirng ti de ugh' vay von (nett co) ding duce thkrc hien tuong to muc a, b, c, d Khoan nay.

43. Bulk 3: Thant OA tin dung va 14p to trinh than' dinh

Liu hanh n6i 66

Phien ban 02/2012 5/25

to

LienllietPustaank VC+ NGAN HANG B U DieN LIEN VIET

Quy trinh Nghiep vu cho vay doi voi Khach hang HDQT

a. ThAm dinh Khach hang va phuang an vay von

Can cu theo nhu eau, ct6i Wong Khach hang a nghi vay von, CVKH, Lath dao PKH thuc hien thAm dinh Khach hang, phuong an vay van theo quy dinh. Chi net vi6c thAm dinh Khach hang va phuong an vay van thge hien theo Phu lye so 03/PL-QTCV ap dung clai vai KHDN hoac Phu lyc so 04/PL-QTCV ap dung dal vai KHCN.

Trong qua trinh thAm dinh, CVKH thu that) th6ng tin to cac ngu6n sau:

+ Thong tin tai Ha sa Khach hang;

+ Thong tin thAm dinh two tiep tai dia chi Khkh hang (Tin sh chinh, dia diem SXKD/Dia diem Khach hang cho thue dAt, nha di/Dia diem cu tril/dia diem lam viee...);

+ Th6ng tin thAm dinh TSBD cda To dinh gia va thong tin thAm dinh ve Ben thd ba trong throng hop khoan vay &rot bao dam bang TSBD/bao lath dm Ben thin ba;

+ Thong tin tra ctiu CIC ve Khach hang, tinh hinh quan he tin dung elm

Khach hang, TSBD elm Khach hang va cac thong tin tuong to clai vdri ngutri clang trdch nhiem. Truang hop khoin cap tin dung khong duce bao dam bang tai san, CVKH tra CIC xep hang tin dung Khkh hang. Doi voi Khach hang la Doanh nghiep to than va COng ty TNHH MTV ma thanh vien la the nhan, can tra ciru them cac th6ng tin CIC lien quan den chu Doanh nghiep/thanh vien gop von;

+ Thong tin ve chinh sach tin dung ma cac TCTD khac dang dp dung voi Khach hang;

+ Thong tin ve thi truanginganh nghe kinh doanh elm Khach hang thong qua cac cd nhan/doanh nghiep kinh doanh cling nganh nghe, cac phuong tien truyen thong;

+ Thong tin nguai n'ap thue teen trang mang cua Tang ctic Thue;

+ Thong tin, ha so khae phut vu cho viec ra quyet dinh cho vay.

Can cd vao cac thong tin thu thap, thy theo loai hinh cho vay, CVKH tien hanh xep hang tin dung nal be &Si vai Khach hang theo quy dinh va lap TO trinh thAm dinh Khach hang theo cac mAu cu the nhu sau:

+ Miu so 09/QTCV clSi voi thAm dinh KHDN;

+ Meru so 10/QTCV dal vol thAm dinh KHCN

+ Trtdmg hop San phAm cho vay cd mau to trinh rieng thi thuc hien theo mau to trinh ri8ng cua San phAm.

CVKH có trach nhi'em lcY TO trinh thAm dinh, Phieu luan chuyen ha sa cho vay; Sau do chuyen cling Ha so ThAm dinh trinh Lath dao PKH kiem soat.

Line hank not be) Phien ban 02/2012 6/25

LienIfietPestrianiE NGAN HANG BUU DIN LIEN VIET

Quy trinh Nghiep vg cho vay (16i yeti Khach hang HDQT

Lanh ciao PKH kiem soat not dung HO sa ThAm dinh, dam bao pH. hop va tuan thu dting cac quy dinh cua Ngan hang va cdc huerng clan tham dinh cua Quy trinh nay.

Lanh dao PKH co quyen you eau CVKH be sung, chinh sera TO trinh thAm dinh, yeu eau CVKH de nghi Khach hang ba sung ha sa a nghi vay van. Lanh ciao PKH ghi re nee dung, ly do cliing y/tir chai cho vay vao TO trinh tham dinh va Phieu ludn chuyen ha sa.

Truong hop xet thay Khach hang khong dti dieu kien cho vay, CVKH c6 the khang can lap To trinh tham dinh nhung phai bao cao Lanh dao PKH va chi dug° phop ter chai cho vay doi vdi Khach hang khi da coy kien chap thuan ter Lanh dao PKH; B6 qua But 4, that hien But 5 theo quy dinh tai Khoini 5.2 Quy trinh nay.

b. Tham dinh tai san bao dam.

- Ngay sau khi tiep nhan ho sa Khach hang: Neu phuong an vay von cua Khach hang duce dam bao met phan hok toan be bang TSBD co the dinh gia duce tai then diem xet duyet, thAm dinh; CVKH lap, trinh Lanh dao PKH IcY GiAy de nghi tham dinh TSBD theo Mau sa I I/QTCV. Sau do gin GiAy de nghi thAm dinh cling voi ha so TSBD cho Lanh dao T6 dinh

Lanh dao T6 dinh gid phan cong CVDG awe hien kiem tra h6 sa TSBD, tham gia T6 dinh gid TSBD.

Ket qua thAm dinh va danh gid TSBD dtroc the hien tai Bien ban thAm dinh va dinh gia TSBD (dirge Iap theo Ink theo quy dinh ve TSBD). Sau khi Bien ban thAm dinh va dinh gid TSBD co dAy du chit ky cua cdc thanh vien to dinh gia, CVDG chuyen lai ha sa TSBD ding Bien ban thAm dinh va dinh gid TSBD cho CVKH. eo°'

Dieu 5. Giai dean 2: Phe duyet cho vay va thong bao ket qua phe duyet NGAN SNGN 5.1. Butc 4: Phe duyet cho vay BU

Sau khi Lanh dao PKH ky kiem soar To trinh thAm dinh, CVKH tap hop He sa Tharp LlE dinh, xac dinh thAm quyen phe duyet khoan vay va thuc hien trinh ha sa cap phe HaN duyet co tham quyen:

a. Truerng hop 1: Khoan vay thuk thAm quyen phe duyet cua GD DVKD

CVKH chuyen toan ba ba Ha sa main ant trinh GE) DVKD xem xet phe duyet. Truemg hop khoan vay vtrgt qua tham quyen phe duyet cua Giam Mc Phong Giao dich trot thuec Chi nhanh (khang bao gam truerng hop PhOng Giao dich dac the' &roc phep phe duyet cho vay do, e lap vdi Chi nhanh), CVKH trinh Gam Mc Ph6ng Giao dich tnrerc khi trinh Giam doc Chi nhanh.

GD DVKD kiem tra lai toan be be Ha so ThAm dinh doi chieu vdi cdc chinh skh, quy dinh ve cho vay cua Ngan hang va you eau PKH giai trinh ck not dung, tai lieu hoac to chdc thAm dinh lai neu can thiet.

Lent hanh not ba Phien ban 02/2012 7/25

!Joni/letPostBart NGAN HANG BUD DIEN LIEN VIET

Quy trinh Nghip vu cho vay 46i voi Khach hang HDQT

GD DVKD ghi r5 y kien cho vay hay khong cho vay, 19 do !thong cho vay dang Mei ghi ro nhang not dung de nghi cho vay, nhiing van a khac (nail co) vao Tb trinh thAm Binh va chuyen lai Hh so ThAm Binh cho CVKH, thtm hien cat bulk tiep theo cua quy trinh.

b. Trueng hop 2: Khoan vay thuac thAm quyen phe duyet cua BTD

CVKH chuyen town ba Ho sa ThAm dinh thi thu k9 BTD;

BTD t6 tilde hop dua ray kien dei vbi khoan vay, phe duyet dai vbi khoan vay, ket qua phe duyet cua BTD duce lap that'll Men ban theo Mau so 12a/QTCV.

Thu Icy BTD c6 each nhiem thong bao ket qua ph8 duyet cua BTD den CVKH phu each Ha so tham dinh de dux hien cac &roc tang viec tiep theo.

c. Truang hop 3: Khoan vay thuac quyen phe duyet dm Hai se/

CVKH that hien cac boot xin y kien cua BTD nhu truang hop 2. Sau khi co ket qua xet duyet thing 9 cua BTD, can cu vao bien ban hop BTD, thu Ic9 BTD ban giao than ba HO so ThAm dinh, Men ban hop BTD cho CVKH.

Sau khi nhan lai ha sa, CVKH chuyen toan ba. HO sa tham dinh, Ho sa Phe duyet tai DVKD ten phe duyet termg MT thong qua Khei ThAm dinh Hai se de thtrc hien pile duyet. Quy trinh phe duyet khoan cho vay vuot quyen phan quyet cua DVKD duot thgc hien theo Dieu 10 dm Quy trinh nay.

5.2. But 5: Thong bio ket qui phe duyet

a. Can dr not dung ph6 duyet cna Cap c6 tham quyen, CVKH lap Thong bdo 018 duyet khoan vay theo Mau se 15/QTCV doi voi throng hop (tang y cho vay hoac Mau so 16/QTCV 461 voi trubng hop to chai cho vay, chuyen cho Lanh dao PKH kiem sok, k9 nhay truck khi trinh Lanh dao DVKD 1c9 phat hanh chuyen cho Khach hang. Kh6ng can lap Thong bao phe duyet khoan vay (Mau se 16/QTCV)

truang hop CVKH lchang can lap Te trinh thAm dinh theo quy dinh tai diem a, khoan 4.3 Dieu 4.

b. Truong hop khoan vay bi dr choi, CVKH thirst hien cap nhat thong tin ye khoan vay cua Khach hang bi tir eh& cap tin dung vao Bang ke cac khoan vay bi to ch6i theo Meru so 31/QTCV.

c. Tracing hop Khach hang chi thing 9 mat phin cat dieu kien tai Th8ng ban cho vay, CVKH co the tie') nhan de ngh1 cua Khkh hang Nth lap Tb trinh bb sung trinh dp kiem soat, CAp phe duyet (TA phe duyet cho vay) a xem xet, phe duyet lai. Quyet dinh phe duyet lai duce chi la Quyet dinh phe duyet cuei cling 461 vbi khoan cho vay.

Dieu 6. Giai cloak 3: Hoin thien he so' cho vay

6.1. But 6: Tiep nhin vi kiem tra 116 so PhE duyet

tee,:

HANG AI GO )DIEN 1 Vi

Ltnt hanh nor by Phien ban 02/2012 8/25

LienlhetPostaank NGAN HANG BU'U DIEN LIEN vieT Quy trinh Nghiep vv cho vay v61 Khach hang HDQT

a. Sau khi khoan vay dugc phe duyet va Khach hang thing y the dieu kien vay von neu trong Thong bao cho vay (neu co), CVKH chuyen toan be he so tai CVQLTD bao gem:

- Ho so thAm dinh;

He so Ph8 duyet;

Thong bao cho vay co xac nhan ding 9 cilia Khach hang (neu c6).

b. Viec ban giao tai lieu giaa CVKH va CVQLTD phai dugc lap thanh van ban theo At& so 05/QTCV hok Mau so 06/QTCV

c. CVQLTD awe hien kiem tra he so theo cac nOi dung sau:

- Kiem tra tinh clay do, Chan thus, hop le, hop phap ya thong nhat dm HO so PM duyet theo cac quy dinh hien hanh cua Ngan hang va quy dinh tai Quy trinh nay.

Kiem tra thAm quyen phe duyet, dieu kien cho vay theo phe duyet (han mac/se tien cho vay, then han, lai suAt, TSBD ...) theo dimg quy dinh ctia Ngan hang.

Kiem tra dieu kien giai ngan, cac he so be sung khk theo yeti cau clia cap phe duyet. Neu thAy khong day du cac thong tin/he so lien quan, y8u eau CVKH be sung th8m the thong tin/he so can thiet.

6.2. Bin:re 7: Soma thin, kiem snit van bin hqp citing

a. Sau khi thgc hien kiem tra he so, CVQLTD thus hien sop thao cac Hgp ding, van ban sau:

Hap ding bao dam, Don dang k)'T giao dich bao dam (neu khoan cho vay dugc dam bao bang tai san, Hap ding bao dam phai dang IcY giao dich bao dam theo quy dinh cua Ngan hang va Phap luat) va cac van ban khac (nett co) lien quan den bao darn tien vay theo phe duyet, quy dinh cua Ngan hang va cua Phap luAt. Mau Neu lien quan tai tai san bao dam dugc quy dinh tai Quy che, Quy dinh va Quy trinh lien quan tot Bao dam tien vay cua Ngan hang;

Hap ding tin clung/Phu luc Hop dog tin dung, mau hap citing tin dung dugc soan theo Mciu so 17/QTCV cua quy trinh nay, throng hnp san pilaf)) cho vay co mau hap clang tin dung He/1g thi thgc hien theo mau hop ding ri8ng cua san phAm;

Cac thoa thuan khk vii Khach hang va cac ben lien quan can cu theo ThOng bao phe duyet khoan vay (neu co).

b. Sau khi sow' thao xong cac hop ciOng, van ban theo phe duyet/quy dinh CVQLTD chuyen he so cho Lath dao PQLTD thgc hien kiem soat. Lanh dao PQLTD co quyen yeu cau CVQLTD be sung, hoan thien he so va/hoac nghi CVKH be sung, hoan thien he so.

c. Sau khi hoan tat qua trinh kiem soat (bao gem ca kiem soar rUi ro phap 19), CVQLTD va Lanh dao PQLTD c6 trach nhiem ky nhay vao phan cuei dm tang trang tai

LUll hanh nor ba Phien ban 02/2012 9/25

k

lienlhetPost ank NGAN HANG BUG DIEN LIEN VIET

Quy trinh Nghiep vu cho vay dOi yen Khach hang HDQT

6.3. Bulk 8: 1“, ket hqp thing voi Kilda hang

a. CVQLTD thong bao cho Khach hang den da k9 Hop Ong va cac van ban co lien quan.

CVQLTD co trach nhiem phOi hop vgi CVKH kiem tra thAm quy'en ngtroi dal dien cua Khach hang dugc phdp k9 ket cac Hop Ong va Van quan lien quan voi Ngan hang. Chi tiet hueng dan kiem tra dugc quy dinh tai Phu luc so` 05/PL-QTCV va cac quy dinh khdc cua Ngan hang va Phap luat.

06i yeti nhEng hop Ong Icy/ ket gicra Ngan hangva Khach hang theo you cau phai Cong chUng/Chiing thvc thi CVQLTD c6 trach nhiem thong bao Khach hang ten Co quan Cong chterng/Chung thvc de" thvc hien k9 ket hop clang. Doi voi nhang hop Ong kitting you cau thvc hien k9 ket tai Co quan Cong chung/Chimg thvc thi clugc k9 tru6c str giam sat trvc tiep cua CVQLTD tai Ngan hang.

Hop Ong tin dung dugc IcSt ket chain nhAt 03 thong ke to ngay Khkh hang nhAn thong bao ket qua ph8 duyet khoan vay. Qua tiled han nay, DVKD can bao cao/tham dinh lai tinh hinh Khach hang truck khi thvc hien 1(9 ket. Truong hop nhang thay del ve tinh hinh Khach hang khong anti huong den dieu kien cho vay, nei dung cid phe duyet theo phan cAp phan quyet, chinh skh tin dung hien hanh cita Ngan hang thi DVKD dugc chit Ong k9 ket Hop Ong tin dung vgi Khach hang ma khong phai trinh lai cAp phe duyet HEi so.

b. Sau khi Khach hang da k9 cac hop Ong, van ban can thiet, CVQLTD trinh Lanh dao DVKD k9 ket cac hop Ong, van ban thi da 01 ngay lam viec, bao gem:

- 1C9 kat Hop Ong tin dung/Phu lvc Hop Ong tin dung;

- IC9 ket Hop (Jiang ban dam;

- K9 Don (fang k9 giao dich bao dam;

- IC9 ket cac thea thuan voi Kith hang va cac b8n lien quan.

c. CVQLTD ph6i hop v6i Khach hang va cac ben lien quan hoan thien cac thu tvc Dang k9 giao dich bao dam theo dung quy dinh cua Phap luAt va cua Ngan hang.

d. Sau khi hoan tit thu tvc Dang k9 giao dich bao dam, CVQLTD tiep nhAn ha so TSBD to Khkh hang, lap Phieu nhap kho hE so TSBD theo Aftiu sd 27A/QTCV va thvc hien trill tic nhap kho toan be hE so TSBD ban g6c theo Quy dinh quan ly TSBD cita Ngan hang. CVQLTD thvc hien copy va hat toan be he so TSBD tai HE so Phe duyet.

6.4. Bute 9: Nhep lieu vo thong va hru 66 so

a. Can ell vao hop Ong vay von, hop dEng bao dam CVQLTD tien hanh nhap lieu nhang thong tin khi can thiet teen he thong Flexcube.

b. LAnh dao PQLTD kiem tra lai tinh day da va khop dung cUa cac th8ng tin ten he thong Flexcube da dirge nhap lieu. Neu cac thong tin nhap lieu khop dung thi Lanh dao PQLTD phe duyet th6ng tin CVQLTD da nhap lieu tren Flexcube.

Lam hhanhnal bq Phi8n ban 02/2012 10/25

oez

LienlhetPostBank NGAN HANG BUD DIEN LIEN VIET

Quy trinh Nghiep vu cho vay dOi voi KM& hang HDQT

Dieu 7. Giai doan 4: GEM ngan cho Khach hang

7.1. Bunt 10: Hoan thien va kiem soat He sc Giai ngfin

a. Khi Khach hang co nhu cdu giai ngan, CVKH huang clan Khach hang lap 03 ban giAy de nghi giai ngan theo Mciu so 18/QTCV doi voi KTIDN hoac Mau so 19/QTCV doi voi KHCN; CVKH lien hanh lap Khe irk nhan no va thu thap chting tir chow minh muc dich sir dung von va cluing tit rut tien vay to Kilda hang.

b. Sau khi nhan giAy de nghi giai ngdn, Khe trot nhan ng, chung tir chung minh muc dich sir dung von va cluing tir rat tien vay, CVKH co trach nhiem:

Kiem tra cac thee kien giai ngan dai voi Khach hang (neu eh);

- Kiem tra va giam sat clang tien cea plurcrng an giai ngan;

Kiem tra skr On hop dm muc dich sir dung von vay, so tien cho vay, lai suat cho vay va thong tin khac v'e khoan giai ngan so voi the not dung ghi trong Hop dang tin dung;

- Kiem tra, doi chieu chit Icy va mau die dm the giAy to lien quan;

- Kiem tra lai ban gOc Giay CMTND cim nguai Icy cac giAy to lien quan;

Kiem tra lai ban g6c Giay chimg nhan DKDN cua Doanh nghiep (dhi voi twang hop Doanh nghiep vay van) ve cac th6ng tin dm nguai dai dien theo phap luat.

c. CVKH co trach nhiem lap To trinh giai ngan theo Mau so 20/QTCV trong nheng twang hop sau:

Phuang thee cho vay theo han mire tin dung;

- Phuong thtic cho vay timg thn giai ngan tir 02 lan tr6: len;

Khach hang a nghi giai ngan sau khi ky Hop dang tin dung qua 30 ngay.

Sau khi lap xong to: trinh giai ngan, CVKH chuyen cho Unh dao PICH kiem sok, sau do chuyen H6 so giai ngan sang CVQLTD.

d. CVQLTD tiep nhan va kiem tra H8 so giai ngan. Tien hanh &Si chieu the thong tin tren Ha so giai ngan (Giay nghi giai ngan, To trinh giai ngan (neu co), cluing tir chimg minh ink dich su dung von, knO trete nhan ng....)

e. Ldnh dao PQLTD kiem sok to trinh giai ngan va HO so giai ngan:

- TruOng hop ha so than thu toan be cac dieu kien giai ngan: Lath dao PQLTD xac nhan tren TO trinh giai ngan ve viec dd kiem tra va he so dd tuan the wan ba cac dieu kien giai ngan da duct phe duyet, (tang thai ky nhay tren Khe Sc nhan no va cluing tir rut tien vay va chuyen toan be he so cho CVQLTD that hien trinh Icy Unh dao DVKD;

- Truemg hop ha so chua dam bao than the toan 1)0 cac dieu kien giai ngan: Lanh dao PQLTD ky xac than dd kiem tra tren to trinh giai ngan va ha so chua dam bao tuan the toan bo the dieu kien giai ngan aa duce phe duyet va

Lttu hanh not bo Phien ban 02/2012 11/25

viI

4 LienVietriosi:Bank "Qt>1 NGAN HANG BU U DIEN LIEN VleT

Quy trinh Nghie:p vu cho vay voi Khach hang HDQT

chuyen tra lai he so cho PKH hoan thien cac he so theo dung dieu kien gill ngan.

f. CVQLTD chuyen Ldnh dao DVKD ky TO trinh giai ngan va Khe Irk nhan no, chimg tir rut tien vay.

7.2. Butt 11: Hach toan vi chuyen tien giii ngfin cho Khach hang

a. Can cu Tb trinh giai ngan, Khe uerc nhAn no, HDTD va lich tra rig da dirge kiem sok va phe duyet, CVQLTD thuc hien nhap se lieu va hach toan giai ngan tren Flexcube theo cac quy Binh va huOng dan cua Ngan hang.

b. LAnh dao PQLTD kiem tra lai tinh day du va khOp dung ctia cac se lieu tren he thong Flexcube da duct hach toan. Neu cac se lieu kherp chAng thi Lanh dao PQLTD phe duyet giai ngan tren he thong Flexcube.

c. Sau khi giai ngan tren he thong Flexcube, CVQLTD chuyen chirng to rut tien vay cho Lanh dao PKTGD&NQ. Lanh dao PKTGD&NQ c6 trach nhiem phan cling Nhan vien PKTGD&NQ thuc hien dei chieu gicra s6 tien tren chimg tir va s6 tien tren tai khoan giai ngan, neu khap dung se lieu PKTGD&NQ that hien hach toan chimg tir giai ngan cho Khach hang.

d. Truang hop Ngan hang thuc hien giai ngan cho Kith hang bang tien mat, CVKH phai kiem tra Khach hang dap ling du dieu kien giai ngan bang tien mat theo quy dinh Phap luat tai tiled diem giai ngan, deng thai thu thap day du chimg tit lien quan hop phap, hop le dei trod khoan giai ngan.

e. Sau khi hoan tit viec giai ngan cho Khach hang, CVQLTD phai copy met ban chUng tir nit tien vay de Itm cling He so Giai ngan. Deng thin, CVQLTD c6 trach nhiem chuyen lai cho Khach hang cac hop (icing Kilda hang TA ky ket veri Ngan hang, vai se ban theo quy dinh.

Dteu 8. Giai do3n 5: Quin IST sau giai ngin va thu hot nq (Bute 12)

8.1. KiAnt tra sau giii ngin:

a. CVKH chiu trach nhiem chinh trong viec theo kiem tra, giam sat thuimg xuyen yen vay cilia Khach hang. Viec kiem tra Khach hang phai throe lap thanh bien ban theo quy dinh cita quy trinh nay.

b. Thy timg truang hop cu the CVKH tien hanh kiem tra, giam sat von vay sau khi giai ngan theo cac nOi dung quy dinh tai Quy the cho vay va cac quy dinh khk c6 lien quan. CVKH luu y met se nOi dung khi kiem tra, giam sat von vay nhu sau:

Kiem tra giam sat viec thus hien du an, phuong an va tinh hinh sli dung van vay vao viec thkrc hien du an, phuong an. Viec kiem tra sli dung von phai darn bao kiem tra dirge cac nOi dung: Khach hang sir dung On co thing muc dich kh6ng; gia tri vat to hang him, tai san hinh thanh tir von vay c6 can gi \red gia tri von vay da giai ngan kheng; Khkh hang c6 vi pham cac nOi dung Hop deng tin dung, Hop deng bao dam hen vay va tinh trung thuc trong cac tai lieu Khach hang girl Ngan hang.

Lane hanh nor b

Phien ban 02/2012 12/25

benifietPostBank stzo NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghi8p vu cho vay vii Khach hang HDQT

Klein tra tinh hinh hoat dOng san xutt kinh doanh, tinh hinh tai chinh cua Khach hang: CVKH can phai thoc hien danh gia tinh hinh tai chinh cua Khach hang va kiem tra tinh hinh thgc to hang ten kho, xac nhan cac khoan gang ng phai thu, phai tra (nail can) de thoe hien cong tac phan loai quan ly nguen thu tra no: ciia Khach hang Ira de ra nhfing giai phap quan ly, thu hei nq dei vgi tong khoan vay hoac tong Hop ding tin dung dm Khach hang.

Viec quan ly TSBD tien vay: Mire hien theo quy Binh cua Ngan hang.

Kiem tra, quan IY doanh thu/dOng tien Khach hang chuyen ye Ngan hang: CVKH phai thuerng xuyen kiem tra, theo clei clang tien Khach hang cam ket chuyen ve Ngan hang va co trach nhiem bao cao tinh hinh chuyen doanh thu/ding tien cua Khach hang chuyen v8 Ngan hang trong Wen ban kiem tra tinh hinh sir dung von vay dinh IcY 01 thang/lan. Chi tiEt viec kiem tra, quail 1Y doanh thu/dong tien Khach hang chuyen ve Ngan hang dirge thug hien theo Phu lyc so 06/PL — QTCV.

- Kiem tra the van de kilt eg lien quan.

Viec kiem tra, giam sat sau giai ngan phai dirge the hien tai nai cu tra, tip set, nai san xuat, kinh doanh, nai sir dung On vay cua Khach hang va ket hap cling yeti viec kiem tra thong qua viec sir dung tai khoan cua Khach hang, He so Khach hang, cac nguen thong tin kha.c.

c. Cac hinh thdc va phuong thirc kiem tra:

Klein tra mite dich sir dung On:

+ Cham nhat kh8ng qua 15 ngay sau khi giai ngan dei vii tirng lan giai ngan cua cac khoan vay, CVKH c6 trach nhiem kiem tra num dich sir dung von vay ena Khach hang. Bien ban kiem tra nuic dich sir dung von dirge lap theo Mau so 2I/QTCV.

+ Throng hop Ngan hang dip hien giai ngan cho Khach hang bang tien mat: Trong yang toi da 10 ngay Ice tir ngay giai ngan, CVKH phai kiem tra va luu ban copy S6 quy tien mat dm Khach hang va thu thap cac chimg to lien quan den viec sir dung tien mat (theo cam lc& dm Khach hang). Truing hop sau 10 ngay, Khach hang van chua sir dung so tien neu tren thi phai co giai thich cu the va hap ly, citing thai CVKH pith don doe, kiem tra, thu thap he sa chirng tir ngay khi c6 the.

Kiem tra dinh Icy: Dinh Icy 03 thang/lan doi vii khoan vay ngan han, 06 thang/lan dei vii khoan vay trung dai han hoac theo thong bao phe duyet cu the, CVKH co trach nhiem kiem tra, giam sat khoan vay sau khi giai ngan. Ket qua kiem tra phai dirge lap thanh Bien ban co xac nhan cua Ngan hang va Khach hang theo cac mau sau:

Lieu hanh not b:6 Phi8n ban 02/2012 13/25

I

Lienthet P astBanic ‘Liv,'") NGAN HANG BLit/ DIEN LIEN VIET

Quy trinh Nghiep vu cho vay dOi Wei Khach hang HDQT

+ Ve tinh hinh sir dung von vay, hoar Ong kinh doanh can Khdch hang: Mau so 22/QTCV ap dung ai vci KHDN, ca nhan kinh doanh hoac M'acu se 23/QTCV ap dung ai voi KHCN vay tith thing.

Ve tinh hinh TSBD: Mau so 26A/QTCV ap dung del \raj TSBD la tai san hinh thanh trong Wang lai hoac Mau so 26B/QTCVai vei cac TSBD con lai.

Kiem tra dot xuat: CVKH thyc hien kiem tra khi than dirge thong tin co anh huong an hoat dOng kinh doanh va kha nAng tra ng cua Khdch hang hthc theo quyk dinh va you can dm cap c6 tharn quyen Goa Ngan hang. Bien ban kiOrn tra dot xuat dirge lap theo cac may Bien ban kiem tra dinh kY dug nen pham vi kiem tra dot xuat (CVKH dtra tit pham vi kiem tra dot xuat thay it& cac not dung kiem tra tai Bi8n ban cho phu hgp).

8.2. Thu h6i nq d'L han.

a. Dinh IcY vao ngay lam viec dau tien dm hang thOng, PQLTD c6 trach nhiem sao Ic8 toth bei du ng den han (g6c, Lao trong thOng theo d6ng thai gui sao ke no an han cho CVKH, LAnh dao PKH, Lath dao DVKD a theo cloi, nhic no Khach hang.

b. Truck 10 gig sang ngay lam viec, PQLTD co trach nhiem kiem tra va thong bdo cac khoth ng an han, qua han giri cho CVKH, Lath dao PKH, Lanh dao DVKD a theo ai, don ac Khdch hang tra ng.

c. CVKH thve hien nhic no an han cho Khdch hang thong qua cac phut:mg tien: Dith thoai, thu then tit, Fax hoac giri tryc tip tong van thong ban ng an han. Trueng hgp giri thong We, CVQLTD c6 trach nhiem lap thong bdo ng an han theo At& so 24/QTCV chuyen cho CVKH a giri cho Khach hang.

d. CVKH thgc hien nhdc no 05 ngay truce khi an han tra lai, 10 ngay truck khi an han tra goc va nhdc lai truce 01 ngay an han.

e. Trueing hop nq qua han, thy tinh hinh thyc te, dinh Icy 05 — 07 ngay lam viec CVQLTD lap thong bao nq qua han theo Meru so 25/QTCVchuyen cho CVKH a giri cho Khach hang, ghi rO cac Ian gui thOng bdo an cho an khi Khdch hang tra het ng qua han.

f. Cham nhAt trong khoang thodi gian 05 ngay lam viec ke to ngay qud han Khdch hang khong thtrc hien day dit cac nghia vu ha ng cho Ngan hang, CVKH phdi den true tier, try s6 chinh, dia diOm SXKD, nai cu nai lam viec cua Khdch hang a you au Khach hang thyc hien nghia vu tra ng.

g. Cham nhAt 07 ngay lam viec Ice tir thiri diem giri thong bao ng qud han 1th thir 3 ma Khach hang IchOng thyc hien nghia vu tra ng hoac thyc hien nghia vu tra ng thong day chi, CVKH thgc hith xir ly ng theo Ichoan 8.3 Dieu nay.

8.3. Ng can xir ly

Tuan thu Quy the va cac quy dinh va ng can xir ly caa Ngan hang trong tirng thai

btu hanh Si ba Phien ban 02/2012 14/25

I liefillietPostBank NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghiep vu cho vay voi Khach hang HDQT

Dieu 9. Thanh ly hap dong, quin 1Y va Inv tar he so cho vay

9.1. Thanh ly hyp dug:

a. Khoan cho vay dugc to dong thanh 19 khi Khach hang hoan thanh day du cac nghia vu thanh toan no, gee, lai, phi va cac nghia IN lien quan theo quy dinh tai Hgp dong tin dung va cac van ban phap 19 lien quan khac.

b. Tan:mg hop thanh 19 Hop ding khOng theo quy dinh tai Hop dOng tin dung va cac van ban phap 19 lien quan khde, DVKD va Khach hang k9 Bien ban thanh 19 khoan cho vay theo Mitu so 30/QTCV Quy trinh nay.

c. DVKD khi thanh 19 hyp dong thire hien cac thu tuc giAy to va thao tae ten Flexcube theo quy dinh caa Ngan hang.

9.2. Quin ly vi Ivu trir He so' cho vay

a. He so cho vay do PQLTD quan 19 va lint trU.

b. He so cho vay sau khi thanh 19 dirge dong thank tap rieng (mOi khoan vay met tap, c6 danh muc timg loai he so tai lieu).

c. Viet quan 19 va. Jim tit Ho scr cho vay dirge thgc hien theo quy dinh cua Ngan hang.

Dieu 10. Quy trinh phe duyet khoin vay virqt quyen phut quyet Don vi kinh doanh

10.1. Ltru do thtrc hien .3 3 I

1 It

Lieu hanh not ba

Phien ban 02/2012 15/25

M .

•./

Thant clInh

QUY TRINH X13 LY KIIOAN CAP TIN DUNG VLIDT QUYEN PHAN QUYET...EFIUNHA

CHI NHANH

ChuYen HD sd than7 djnh ttTd irlUKTID‘. Bien ban hbp Ban

KHC51THAM DlN1-1

Kigni tra nab n0010 beta ho act

Khong dang

Being 9

CAP PHE DUYST, HotSd

StInh HO.'scr. Tel Thant .

NtiCtry,ThongP05)), cntiy- 09.tro,hb sd

thil&:1311,840e) quy dintre=

cbn9-.YKV,,tigr).‘.

CNI

MLienVietPostatea ta" NGAN HANG Butt DIGN LIEN VIGT

Quy trinh Nghie'p vu cho vay (161 von Khach hang HDQT

10.2. Dan giai luu de

a. Buelt 1: Tiep nhan, xir ly Ha sa ThAm dinh

DVKD trinh HO sa ThAm dinh, HO so phe duyet tai DVKD (Bien ban hop Ban Tin dung.), de' nghi cap phe duyet tin dung H'Oi so xet duyet thong qua Khoi ThAm dinh. IM so có the gfri true tiep, qua &rang btm dien, email hoac fax... Trueng hop giri tnrc lief), Can be DVKD lap Bien ban ban giao hO sa (co ken) bang ice ho so) Mau se 07/QTCV va tien hanh giao nhan veri Khoi Thant dinh. Bien ban giao nhan co xac nhan etia cac ben va dugc theo doi tai Phieu theo doi luan chuyen h6 so theo Mau 08/QTCV.

DVKD chiu trach nhiem ve tinh da, than thus, hop le, hop phap va thong nhAt ctia cac ha so, thong tin cung cap, cac nei dung trong Ter trinh thAm dinh.

TM da 02 ngay lam vies ke to khi nhan h6 so, neu be he so chug day dit va hop le, KhOi Thim dinh c6 trash nhiem gfri yeu cau b'a sung ha so, cac thong

Lieu hanh nqi bq Phial] ban 02/2012 16/25

el; LienlhetPostaait NGAN HANG BUU DIEN UEN VIET

Quy trinh Nghiep vu cho vay voi Khkh hang HDQT

tin can thiet phuc vu tham dinh hoac chuyen tra ha so cho DVKD. MOt s6 truOng hop ha so khong hyp le bi chuyen tra:

+ Ha so cung cap khong ding theo quy dinh cna Ngan hang ve loai giAy to cu the, ban gOc/ban sao;

• Ha so thieu chg. ky hop le/hop phap: To trinh Tham dinh dm Chi nhanh khong c6 day (In cher ky cna CVKH, Truemg phong/Truang ban Khach hang, Giam d6c Chi nhanh hoac Pho Giam doe Chi nhanh chrgc 1iy quyen; Bien ban tin dung khong day do chit kY cua cac thanh vien Ban Tin dung tham gia cuoc hop theo quy dinh; TO trinh tom tit de nghi phe duyet khoan cAp tin dung (nett co) thieu chit IcY Giam dac Chi nhanh hoac Ph6 Gidm dac Chi nhanh dugc tly quyen;

• Ha so trinh khong thing quy trinh: PhOng Giao dich truc thuOc giki To trinh khong thong qua Chi nhanh, Chi nhanh gri To trinh khong co Bien ban hop Ban Tin dung;...

+ Cac twang hop khong hop le khac theo quy dinh cua Ngan hang.

- Tai da 03 ngay lam viec, DVKD phth hai th6ng tin cho Khoi Tham dinh. Trueng hop den han ma khong co sr phan hal th8ng tin hr DVKD, Khoi Tham dinh se chuyen tra lai ha so.

b. Burk 2: Tham dinh ha so. tai Khoi Tham dinh

NOi dung tham dinh: Khoi Thim dinh kh6ng can thiep vao not dung phan tich va cac quyet dinh cua DVKD ma chi tap trung kik) tra lai tinh chinh xac ctla cac not dung phan tich do DVKD thin) dinh, neu ra Mang van de nham lam ro nhting nOi dung chua phan tich hoac phan tich chua day di1 , chua diing hoac danh gia chua phis hyp voi quy dinh hien hanh, voi thuc to san xuat kinh doanh. Ngoli ra Kh6i Tham dinh se dtra ra nhfing than dinh mang tinh khach quan ve Khach hang, ye tinh kha thi, an toth va hieu qua dm khohn cap tin dung, cac dieu kien cap tin dung ba sung.

ThOi gian tham dinh:

+ D,,Ai voi khoan cAp tin dung ngan han: Trong yang 02 ngly lam viec ke tir khi nhan di) H6 so ThAm dinh ctia DVKD, Khoi Than) dinh co trach nhiem hoan thien ha so tai than) dinh truerc khi chuyen qua buck tiep theo.

+ Doi voi khoan cap tin dung trung, dai han: Trong yang 05 ngay lam viec ke ter khi than dit Ha so ThAm dinh cua DVKD, Khoi Thant dinh c6 trach nhiem hoan thien ha so tai thitn dinh truerc khi chuyen qua bubo tiep theo.

Trong that gian than) dinh, truong hcrp can tim hieu tinh hinh thus to Khach hang, KIthi Tham dinh de xuat DVKD sap x'ep lich lam viec true tiep voi Khach hang trong theri gian sem nhat di the; that gian than) dinh quy dinh tre'n day !thong tinh that gian lam viec voi Khach hang.

Lu-u hanh not bia

Phien ban 02/2012 17/25

LienthetPostBargi NGAN HANG BIN DIEN LIEN VIET

Quy trinh Nghrep vu cho vay 46i vai Khach hang HDQT

- Cac nOi dung tai tham dinh va de nghi phe duyet khoan cap tin dung dugc lap theo Miu so 14/QTCV.

c. Buck 3: Tien hanh trinh xin phe duyet khoan cAp tin dung

Twang Nip Khoan cap tin dung thuQc thAm guy& dm Tang Giant dac: Khai Thant dinh c6 trach nhiem girt HO sa Tai tham dinh acre tiep hoac qua email cho Tang Giam dac.

Trueng hop Khoan cap tin dung thuOc tham quyen cua HDTD:

• Khoc i ThAm dinh c6 each nhiem giri HO sa Tai thAm dinh (gCri trtrc tiep hoac email) cho cac thanh viers HDTD;

• Tay theo y kien cua cac thanh vien, thu k9 HDTD bao cao Chit tich (hoac Pho Chit tich trong twang hap Chit tich yang mat) tien hanh phe duyet khoan cap tin dung theo 2 each: To chirc cuQc hop hok LAy y kien bang van ban;

• Tien hanh hop HDTD de phe duyet khan cap tin dung:

• Hop dinh ky: Lich hop dinh Icy se dirge Chit tich HDTD quy dinh cu the theo tang then Icy;

• Hop dOt xuAt: Tity tang truong h9p neu thAy can thiet, Chit tich HDTD c6 the trieu tap cac thanh vien tham dv cuQc hop bat throng ma chi can thOng bao truce 01 ngay.

+ Lay y kien bang van ban: Truang h9p kh6ng tO chat cuQc hop, Chit tich HDTD c6 the quyet dinh thy y kign cac thanh vien bang van ban, tong hop qua thu k9 truck khi c6 quyet dinh. Thu k9 HDTD aft trach nhiem luu gift cac phieu y kien city cac thanh vien, tong buy y kien theo Quy the t6 chirc va hoat dOng cita Uy ban Tin dung va. Doi ngoai, trinh Chit tich HDTD k9 bien ban tong hop theo Mau so 12b/QTCV.

Trtrimg hyp Khoan cap tin dung thuOc thAm quyen cua HDQT: Kb& Tham dinh c6 trach nhiem giri Ho sa tai thAm dinh trinh HDQT theo quy dinh cita Ngan hang.

Chi net H6 sa tai tham dinh xin y kien phe duyet cap Hoi sec 461 vei khoan cho vay thuc hien theo Phu lyc so 07/PL-QTCV.

Thai han phe duyet cita Tang Giam 6c/the Thanh vien HDTD/HDQT: Thve hien theo Quy the phan cap phan quyet tin dung va cac quy dinh khac hien hanh.

d. Buot 4: Thong bao ket qua

Thong Ho ket qua phe duyet duac lap dim ten van ban/9 kien phe duyet cua cAp c6 thAm quyen.

Truang hop khoan cho vay thuOc thAm quyen cita Tang Giam dric/HDTD:

bat hanh not bo Phien ban 02/2012 18/25

LieffilmtPostaatt NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghiep vg cho vay dOi voi Khach hang HDQT

+ 06i voi khoan cho vay thuOc thAm quyen dm Tang Gam dac, 1Chen ThAm Binh soan thong bao y kien phe duyOt &Ai veri khoan cAp tin dung. Doi vai khoan cho vay thuOc thAm quyen cua HDTD, Thu ky HDTD soan th6ng bao y kien phe duyet cap tin dung cna HDTD.

+ Khoi ThAm dinh/Thu Icy HDTD gui du than th6ng bao phe duyOt khoan cap tin dung cho DVKD truoc khi trinh ky ban hanh chinh thirc then Mau so 13/QTCV.

+ Ke tic khi nhan du thao thong bao, trong wing tai da 01 ngay lam viec doi vei thong bao dm Tang Giam d6c/HDTD khu vuc va tai da 02 ngay lam viec doi yeti th8ng bao cua HDTD 1-101 so, cac DVKD ducc phdp gap y, giai trinh, de xuat Mi voi cac nOi dung, lieu kien phe duyOt cap tin dung, nham thong nhAt gitla viec phe duyet cAp tin dung va kha Wang dam phan thuc hien cac dieu kien cfaa DVKD va Khach hang.

+ Thu Icy HDTD/Khoi ThAm dinh chuyen du thao thong bao da duce scr thong nhAt/khong co phan hoi trong Mai han quy dinh cna DVKD trinh len Chu tich HDTD/Tang Giam doe hoc nguesi dug° ny quyen xem xet ky duyet.

+ Truang hop DVKD gui to trinh de nghi thay Mi nOi dung du thao phe duel, Khoi ThAm dinh gui ha so xin y kien phe duyet 116 sung den HDTD/Chu tich HDTD (throng hop duce HDTD uy quyen)/Tang Giam diSc. K t& qua tang hop y kien lAn 2 dm HDTD/y kien ph8 duyet cua Tang Giam Mc la quyet dinh cuei ding.

Throng hop khoan cho vay thuOc thAm quyen cua HDQT, sau khi c6 Bien ban ket luan cua HDQT, Khai ThAm dinh soan thong bao phe duyet khoan cAp tin dung trinh Chu tich HDQT hoAc nguoi duce fly quyen xem xet ky duyet.

of

A

CHUONG IV

TRACH NHIEM CCJA CAC CA NHAN, DON VI TIWC HItN

THONG QUA TRINH CHO VAY

Dieu 11. Chuyen vien Khich hing

11.1. DA chon Kith hang Mt de cap tin dung then dinh throng chien lugc, chinh sach tin dung then dinh huong chien lugc, chinh sach tin dung cua Ngan hang tirng tiled ky, phi' hop vai Quy the cho vay doi voi Khach hang va Quy dinh cua Phap luAt;

11.2. Thu thap dAy du, chinh xac cac thong tin phuc vu cho viec ra quyet dinh cho vay doi yeti Khach hang; Ba sung ha Kt, cung cAp thong tin khi c6 you du va chiu trkh nhiOm doi voi cac thong tin cung cAp;

11.3. Phan tich thong tin, danh gia Khkh hang va nhu cAu cho vay cua Khach hang, lap TO trinh thAm dinh Khdch hang hok cac bdo cao li8n quan den khoan cho vay then quy

Lu-u hanh nai ba

Phien ban 02/2012 19/25

en LienMetrosWank!, NGAN HANG BUD DIEN LIEN VIET

Quy trinh Nghiep vu cho vay c16i voi Khach hang HDQT

dinh va chin trach nhiemve cac thong tin neu tai TO trinh thAm dinh hoac cac bao cao lien quan;

11.4. Chiu trach nhiem ca nhan ve cac de xuAt cAp tin dung dm minh doi vOi khoan vay.

11.5. Phei hop giam sat, quan ly va thu hei no del vdi cac khoan cho vay;

11.6. Bao cao kip thtri len cAp cao hon khi phat hien khoan vay c6 dau hieu tin ro nhu: Khach hang sir dung von sai muc cab; tinh hinh kinh doanh ctla Khach hang 05 dAu hieu kho khan; Icha nang tra ng giam silt, cham tra raj, goc...

11.7. Giai guy& cac van de lien quan tai khoan vay khi co rui ro xay ra theo quy dinh cua Ngan hang va cua Phap luat;

11.8. Chiu trach nhiem ve chat lugng cham soc Khach hang (Mc de xir ly he so, thai do, phuc vu Khach hang...)

Dieu 12. Chuyen vien Quart ly tin (king

12.1. Thuc hien cac thit we ve nhan, thAm dinh, danh gia Ala quan 15, TSBD theo dung quy dinh cna Ngan hang;

12 2 Thkrc hien sown thao hop den, khe tree nhan no; chuAn bi cac he so, thu hic lien quan den viec giai ngan cho vay del v6i Khach hang;

12.3. Quan ly, t6 chirc Km He so. Giai ngan; thu hei no g6c, lai dam bao nhanh ch6ng, chinh xac;

12.4. Ph& hop cling vOi CVKH nhL no Khach hang, cung cAp thong tin trong qua trinh xir ly no qua han hok cac van a rui ro khac xay ra dot v6i khoan vay;

12.5. Bao cao kip thai len cap cao ban khi phat hien khoan vay co dAu hieu rui ro nhu: Khach hang sir dung von sai muc dich; tinh hinh kinh doanh cila Khach hang c6 dAu hieu kh6 khan; kha nang tra no giam slit, cham tra ldi, gee_ ;

12.6. Chiu trach nhiem ye chat lugng cong tac cham soc Khach hang.

Dieu 13. Chuyen vien ThAm dinh

13.1. ThAm dinh lai H6 so ThAm dinh cua DVKD truck khi trinh cAp phe duyet HOi so;

13.2. Thut hien cong the thim dinh nhanh ch6ng, chinh 'ca.; khach quan;

13.3. Phei hop veri cac be phan c6 lien quan trong qua trinh thAm dinh/tai thAm dinh;

13.4. Danh gia thong tin to He so ThAm dinh cua DVKD va cac th6ng tin thu thap do, c lap khac de plurc vu cho viec ra quyet dinh tin dung ciia CAp phe duyet.

Dieu 14. Trirertig Phong Khach hing/Bi) phAn Khach hang

14.1. Kiem soat toan be, He so Khach hang d6i vai Khach hang, cac nOi dung to trinh cho vay do CVKH lap dam bao tinh day du, chinh xac, dua ra nhang bien phap han the rui ro truac khi CVKH trinh cAp c6 thAm quyen phe duyet va chiu trach nhiem ve cat

kien ma minh dua ra;

14.2. Giam sat khoan vay trgc tiep hok gian fib thong qua CVKH. Trong qua trinh giam sat neu phat hien khoan vay c6 dAu hieu rui ro co trach nhiem bao cao Lanh dao S6 giao dich/Chi nhanh de thuc hien cac bin phap han cite rui ro del vOi khoan vay;

Lieu hanh noi ba Phial ban 02/2012 20/25

2 NI WON

ft/

fr

LienlhetPastilarik NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghiep vu cho vay clOi voi Khach hang HDQT

14.3. Giai quyet cac van lion quan tai khoan vay khi co raj ro thy ra theo quy Binh cna. Ngan hang;

14.4. Chiu trach nhiem ve chat ltrcrng cham soc Khach hang.

Dieu 15. Truerng Phong Quin 15, tin dyng/B6 ph6n Quin 19 tin dung

15.1. T6 chirc ph& hop voi cac be phan, ca nhan lien quan trong qua trinh giai nga'n cloi v6i Khach hang;

15.2. Kiem sok toan be cac ding viec cua CVQLTD thuc hien trong qua trinh cho vay doi voi Khach hang;

15.3. Ph& hop voi cac be phen, ca nhan lien quan trong qua trinh nhac no va xa 19 no depi vbi Khach hang.

15.4. Dam bao tinh day dti, tinh chinh xac cua cac thong tin lien quan ten cac he so gay to cua Ngan hang giao Bich voi Khach hang;

15.5. Chiu trach nhiem ve cac rid ro xay ra id& voi khoan vay lien quan teri sai sot do Phong/Be phan Quan 19 tin dung gay ra;

15.6. Bao cao cAp cao hon ngay khi phat hien khoan vay c6 dau hieu rid ro;

15.7. Chin trash nhiem ve chat lugng cite& soc Kilda hang.

Dieu 16. Clam d6c Chi nhanh

16.1. Chi 40 va true tiep tham gia phat triAn Khach hang tin dung tai Chi nhanh phit hgp voi Chinh sach tin dung dm Ngan hang;

16.2. Quyet dinh va chi 4o, dieu hanh trim khai thuc hien Ke hoach cho vay tai Chi nhanh; 00

16.3. Phe duyet cac khoan vay vugt Mut phan quy& cita Gam dec PhOng Giao dich true 1A14

thuec theo Quy the Phan cep phan quy& dei yeti cac nghiep vg tin dung dm Hei (long G MI

Quin tri; BW

16.4. Chi dao cac don vi lien quan tai don vi minh trong cong tac cham soc Khach hang, EN

thuc hien cac cong tac kiem tra giam sat sau cho vay va trach nhiem ve cac rui ro thy ra lien quan tbi cac khoan vay tai don vi minh quan 19;

16.5. Chi dao viec kiem tra, danh gia de" lua chon va be tri CVKH du tieu chuen theo Quy trinh nay;

16.6. Chiu trach nhien ve chat lugng tin dung dm Chi nhanh va cong tac xir 19 no trong toan Chi nhanh.

Dieu 17. Ban tin dung

Phe duyet cac khoan vay vugt Mac phan quyat coa GD DVKD theo Quy the Phan cap phan quy& &Si voi cac nghiep vu tin dung dm Hei dong Quan tit

Dien 18. Khoi Tham dinh

18.1. Co trach nhiem tai them dinh cac khoan vay virot quyen phan quy& dm Ban tin dung theo quy dinh ve phan cAp tin dung ctla Ngan hang a trinh cep c6 thArn quyen phe duyet;

Lim hanh nor

Phien ban 02/2012 21/25

LtenllietPostRant NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghi0 vu cho vay c:161 voi1Chach hang HDQT

18.2. Thuc hien cac nhiem vu khac theo chin 'fang, nhiem vu KhOi ThAm dinh lien quan tai quy trinh cho vay TO; voi Khach hang.

Dieu 19. Khei Sin phim

19.1. Phoi hop va to vAn, haring dAn cho cac Kh6i/DVKD trong qua trinh trien khai quy trinh nghiep vu cho vay clai voi Khach hang;

19.2. DAu mai t6'ng hop cac vAn de phat sinh, xuAt cac giai phap khdc plate kilo khan trong qua trinh van hanh quy trinh cho vay dal voi Khach hang;

19.3. Thirc hien cac nhiem vu khac lien quan theo chirc nAng, nhiem vu caa Kb& San phim lien quan tai quy trinh cho vay dai voi Khach hang.

Dieu 20. IChtd Phip che, Quin 1ST nil ro vi Piping ch6ng ram tien

20.1. Phoi hop vai Kh6i San phAm va cac Don vi khac lien quan thuc hien xay dung chinh sira quy trinh, mAu bib lien quan toi quy trinh nghiep vu cho vay dai vdi Khach hang phi' hop voi tinh hinh thuc te, quy dinh caa Ngan hang va Phil) luat;

20.2. Thuc hien cac nhiem vu khac lien quan theo chfrc nAng, nhiem vu IChti Phap che, Quan 15, raj ro va Phong chang rim tien lien quan tai quy trinh cho vay dOi voi Khach hang.

20.3. ray dung cac chinh sach, cong cu pheng ngaa rai ro tren town he thong;

20.4. Giam sat DVKD thuc hien cat nOi dung trong Phan quyet tin dung dm HDQT, HDTD Hqi sa, HDTD khu vut va Tang Giam d6c. Phoi hop voi cac don vi lien quan thus hien kiem tra boat do, ng cAp tin dung caa cac don vi khi duce yeu du.

Dieu 21. KY& Tai chinh sasa.

Co trach nhiem hinfing dart hach town lien quan tai nghiep vu cho vay, the nghiep vu HANG khac lien quan tai quy trinh cho vay dai voi Khach hang. 1C6P

A A. Dieu 22. Khoi Thanh than DIEN VIE'

hien cac ding viec to, phOi hop lien quan toi guy trinh nghiep cho vay i. -(NAI ct6i voi Khach hang theo chirc nAng nhiem vu duet ban hanh.

Dieu 23. ting Giant d6c

23.1. Phe duyet viec cAp tin dung tai cac DVKD ma khoan cap tin dung yam qua thAm quyen elm Giam doe Chi nhanh, BTD va trong pham vi mac phan quyet cua T6ng Giam die;

23.2. CO trach nhiem chi dao cac don vi lien quan thus hien ding tat chAm sec Khach hang, thuc hien cac cong tdc kiem tra giam sat sau cho vay va trach nhiem ye cac rai ro xay ra lien quan tai cat khoan vay.

Dieu 24. HOi thing Tin dung khu yip

Thuc hien phe duyet trong pham vi phan guy& cna minh.

Dieu 25. HOi dung Tin dung HOi sa

Thgc hien phe duyet trong pham vi phan quyet caa minh.

Ltru hanh n6i ba Phien ban 02/2012 22/25

benlhetPostBanic NGAN HANG BU'U DIEN LIEN VI$T

Quy trinh Nghtep vv cho vay voi IChach hang HDQT

CHU'ONG V

DIEU 1CHOAN THI RANH

DIM 26. Dieu khan thi hanh

26.1. Quy trinh nay có hieu lire ke tir ngay 14/ va thay the Quy trinh nghiep vu cho vay d6i vai Khach hang se 183/2008/QT-TGD ngay 10/05/2008 ctia Tieing Giam dec.

26.2. Nhung van de chug duot de' cap den trong Quy trinh nay, se dirge thuc hien theo cac quy dinh co lien quan cua Phap Mat va cda Ngan hang. Khi co nhang n8i dung nao trong Quy trinh nay trai voi quy dinh cua Phap luat va cna Ngan hang, thi not dung do throng nhien het hieu Luc thi hank

26.3. DVKD co the sin dei, be sung cac man bleu cho phn hop thuc tien tai DVKD nhung kh8ng dirge trai Arai de you cau va nOi dung cda Quy trinh nay va quy dinh co lien quan cua Ngan hang.

26.4. Wei clang Tin dung, Ban Villa Giam doe; Cac Khei, PhOng thuOc HOi sec Set Giao dich, cac Chi nhanh, PhOng Giao dich có trach nhiem thuc hien Quy trinh nay.

26.5. Viec sita (lei, be sung Quy trinh nay do HOi &Ong Quail tri guy& dinh ten co so a xuat coa Giam dOc Kh6i San pharn va phe duyet cua Chu tich HOi deng Cong nghe./.

Noi nhan: reyj—m- - TV HDQT; - Truong BKS ; - Ban TGD; - Can KhOUPhong thuOc HS; - SGD/CN/PGD; - Luu KliSi VP;

T.M HOI BONG QUAN TR1 / 4.0/-

CHU TIC

Lieu hank nOi bo Phien ban 02/2012

23/25

" LienIfietPostBanic `M 1' NGAN HANG BUU DIEN LIEN VIET

Quy trinh Nghiep vu cho vay voi Khach hang 1-1DQT

Van ban bi thay the

STT Ten Se hien Ngay ban hanh

1 Quy trinh nghiEp vy cho vay dai yeti Khach hang

183/2008/QT-TGD 10/05/2008

PHU LVC

STT KY hien Ten van ban 01/PL-QTCV Huang dan lap ha so vay On, dap nhan va kiem tra Wo so KI-IDN

2 02/PL-QTCV Huang dan lap ha so vay van, tiep nhan va kiem tra h6 so KHCN 3 03/PL-QTCV Flutng dan than.' dinh cho vay KFIDN 4 04/PL-QTCV flutrig clan thim dinh cho vay KHCN

5 05/PL-QTCV HuOng clan kiem tra tham quyen nguti dai Men cila Khach hang

, x , ky ket cac hop clang, van ban vai Ngan hang

6 06/PL-QTCV Huang clan kiem tra, quanly, doanh thu/dong tien Kith hang chuyen ve Ngan hang

7 07/PL-QTCV Ha so al tham dinh

MAU BIEU

STT Ky hien Ten mAu bi'eu 1 01/QTCV HtrOmg dan chuan bi/cung cap 116 so 2 02/QTCV Gray de nghi vay von (Danh cho KHDN) 3 03/QTCV Giay de nghi vay On (Danh cho KHCN) 4 04/QTCV Mau phuong an vay von va tra no 5 05/QTCV Phieu giao nhan ho so cap tin dung (Danh cho KHDN) 6 06/QTCV Phieu giao nhan ha so cap tin dung (Danh cho KHCN) 7 07/QTCV Bien ban ban giao ho so 8 08/QTCV Phieu theo clai luan chuyen ha so 9 09/QTCV TO trinh thArn dinh (Dung cho Doanh nghiEp, phap nhan) 10 10/QTCV TO trinh tham dinh (Dung cho KHCN) 11 11/QTCV De nghi dinh gia 12 12a/QTCV Bien ban ding hop 5T kik the thanh vien Ban tin dung 13 12b/QTCV Bien ban tang hop 1/ kien ck thanh vien HOi clang tin dung 14 13/QTCV Th6ng bap lc& qua phe duyet khoan vay 15 14/QTCV Bao cao tai thim dinh va de nghi phe duyet khoan cap tin dung 16 15/QTCV Th6ng bao cap tin dung 17 16/QTCV Thong bao (Tir chai cho vay) 18 17/QTCV Hop (long tin dung 19 18/QTCV Giay a nghi giai ngan (Danh cho KHDN)

btu hanh n6i bo Phien ban 02/2012 24/25

V

LienlhetPostBank NGAN HANG RN Da LIEN VIET

Quy trinh Ng,hi'ep vu cho vay ctoi vati Khach hang HDQT

STT KS, hien Ten matt bi'Au 20 19/QTCV Giay de nghi giai ngan (Danh cho KHCN) 21 20/QTCV Ta trinh a nghi gidi ngan 22 21/QTCV Phieu kiem kiem tra muc dich sit dung von

23 22/QTCV Bien ban kiem soat dinh kS/ (dOi vai KHDN \fa KHCN vay veal SXKD)

24 23/QTCV Phieu danh gia hoat thing Khach hang (c161 vai KHCN vay tieu dung)

25 24/QTCV Thong bao nq den han 26 25/QTCV Thong bao chuyen nq qua han 27 26A/QTCV Bien ban kiem tra tai san hinh thanh trong twang lai 28 26B/QTCV Bien ban kiem tra tai san bao dam 29 27A/QTCV Phieu nhap kho TSBD 30 27B/QTCV Phieu xuAt kho TSBD 31 28/QTCV Phieu tang giam TSBD 32 29/QTCV Khe vac nhan nq 33 30/QTCV Bien ban thanh lyi Hop ding tin dung 34 31/QTCV Bang ice cac khoan vay bi to ch .&

Lieu heath not bo Phien ban 02/2012 25/25

2

LienVietPostHaric .want sA)Pq 0(1, ,,,t I

Phy lye: 01/PL-QTCV

PHI; LVC 01 HITONG DAN LAP HO SO VAY VON, VIP NHAN VA MEM TRA H6

SO KHACH HANG DOANH NGHIEP

Sau khi dam bat duce so b0 the yeu cAu cad Khach hang, thy thu0e dai tugng Khach hang, rime (Itch sir dung On vay, phuong thirc vay van, loai hinh kinh doanh cua Khdeh hang, CVKH phai cung cap Huang dAn ha so vay von dp dung cho Khach hang Doanh nghiep theo quy dinh dtrot day va &rang an Khach hang mot each dAy du ve not dung va phii hap ve hinh tithe.

H6 so vay van et' the nhu saw

1. 110 so' phi!)

a. HO so' phi!) ly chung Mi voti cac loai hinh Doanh nghiep, to

- Giay thing nhan dang ky doanh nghiep (Giay chimg than dau tu dai vol Doanh nghiep co von dAu to ntreic ngoai); Quyet dinh hoc Giay phep thanh lap, hog Mug (Mu co);

- Dieu le Doanh nghiep, dai vet doanh nghiep ma Phap lug quy dinh phai co DIM re;

- Giay cluing nhan cling kY ma so thue, ma s6 xutt th8p khAu;

- Quy the tai chinh (Mu co);

- Quyet dinh be) nhiem Tang Gign Me (hok Giam dac) va Ka toan truang hoc True/1g PhOng Ke toan (nAu co);

- Ban sao Chang minh nhan dan/HO chieu dm Tang Gam Mc (hap Giam Mc) va Ke toan truang hoc Truerng Phong Ka toan (Mu co);

- Giay Ong k2 so hieu tai khoan tai Ngan hang Buu dien Lien Viet (thus hien vies ma tai khoan tien girl thanh toan tai Ngan hang);

- Cac van ban, gray tb phap 12 khk doi veri timg log hinh Doanh nghiep va cac giAy to khdc co lien quart.

b. 116‘ so. phi!) lyr khac MI vai bong loai hinh Doanh nghi?p, M them:

Doi vai Cong ty c6 phan, Ging ty Traeh nhiem him haw Cong ty hop dank

• Bien ban gap van, Danh sash thanh vien hoc cot &mg sb him tir 5% van dieu le trer let dm C8ng ty (Mu co);

• Danh sach thanh vien 1401 cfong Quan tri (HDQT)/H0i clang thanh vien (HDTV), Ban kiem soat, Ban dieu hanh, thanh vien Cong ty hop danh;

• Bien ban hop HDQT hoc HDTV ca nguOi dai dien vay van Ngan hang, van ban 1.15/ guyen cho nguoi dai diM mang tai san oda Cong ty the chap, cam c6, kYr ket cac gray to can thiet cho viec vay van, Cluing minh nhan dan cua ngtrai dal dien (nau trong Dieu le Ichong quy dinh cu the ve guyen han etia ngtroi dai dien di vay On).

DOi voi Doanh nghiep tu nhan:

1

ltedietPostaanfc Nom:. tANG WA/ rxtu LIC

• Chting minh than dan, He khau (thuOng tru hoac tam tit dai hp) dm chit Doanh nghiep hoac ngueri dal dien Doanh nghiep;

• Truerng hqp 'Ding Giam 46c hoac Giam d6c khong phai la chit' Doanh nghiep thi phai co van ban u9 quyen cita chit Doanh nghiep ye viec vay von tai Ngan hang.

D61 vol H9p the xa:

• Bien ban Op von ctia xa vien;

• Danh sach Ban quan tri hoac 1101 deng quart tri va Ban kiem seat Hop the xa.

HO so phap 19 d61 vbi cac Phap nhan khong phdi la Doanh nghiep:

+ Quyet dinh thanh lap, cho phap heat dong, ding nhan, chung nhan, dang k9 hoat &Ong;

• Dieu le hoac Quy the t6 chat, host do, ng;

• Van ban gop von, giao nhan von hog Ong (net]. c6);

• Gidy cluing nhan dang k9 kinh doanh, GiAy phep hog dOng, d6i vol nganh nghe, linh we heat do", ng can vay von;

• Van ban chung minh nguti dai dien then Phap lust va dai dien then u9 quyen cua Khach hang;

+ Cac van ban giAy to phap 19 lchdc co lien quan chting minh nang lire Phap luat va /tang lire hanh vi dan sit tits Phdp nhan va ngueci dai dien hqp phap.

HO so phap 19 d6; vol cac don vi phu thuee Doanh nghiep hoac phu thuOc Phap nhan:

• Cac van ban dm don vi phv thuec thong to nhu 461 Arai Doanh nghiep, Phap nhan;

• Van ban u9 quyen cua ngtren 0i dien then Phap luat cua Doanh nghiep, Phap than.

- He so phap 19 461 vol TO h9p tac:

• Hop deng hqp tac duoc UBND phuerng, xa, thi trAn chirng nhan;

• Van ban bait, b6 nhiem TO trueng dm TO hop tae;

• HO khau, Chung minh nhan dan elm TO truang.

GiAy to phap 19 461 v6i melt s6 nganh nghe kinh doanh c6 dieu kien:

• GiAy pile!) kinh doanh 461 voi cac nganh, nghe kinh doanh ma Phap luat quy dinh nganh nghe do phdi c6 (kinh doanh ruqu, thu6c la, Sig dlu, khi dOt hod long, kinh doanh xuat nhap khAu met s6 mat hang,...);

• GiAy thing nhan dit dieu kien kinh doanh d6i vOi nganh, nghe ma Phap lust quy dinh phdi bdo dam tieu chan ve sinh mei truang, ye sinh an todn that phAm, phong chay, chaa chay, trat to xa hei, an toan giao thong 0 quy dinh khac;

2

Lienifiet Pus NSA',

+ ChUng chi hanh nghe dot yeti nganh, nghe ma Phdp luat quy dinh phai co chi:mg chi hanh.nghe (dich try phap 19, dich vu khatn chfta benh, kinh doanh chrot pham, dich vu tint y va kinh doanh thuoc thd y, dich vu thiet ke cong trinh, kiem Man, m6i gi6i chUng khoan va cac dich vu, nhanh nghe khac ma Phap luat quy dinh);

+ HO sa mua bao hi6m doi voi tai san va hoat do, ng via Khach hang bit buOc phai mua bao hiem theo quy Binh cita Phap lug bao gem:

✓ Bao hiem trach nhiem dan su cua chit xe co gi6i, bao hiem trach nhiem dan str cna nguiyi van chuyen hang khOng doi voi hanh khach;

✓ Bao hiem trach nhiem nghe nghiep del voi hog dQng to van phap lug;

✓ Bao hiem trach nhiem ngha nghiep cda doanh nghiep m6i gioi bao hiem;

✓ Bao hiem chay, no bat buOc doi voi tai san dm co so co nguy hiem ve chay, no theo quy dinh cua Phap luat;

✓ Ck log bao hiem bat buOc khk theo quy dinh cua Phap

c. Yeu chi dOi voi ITO so phip lj:

Quy& dinh thanh lap, Gray phdp thanh lap , Gray chting than (Tang k9 kinh doanh va Gray pile!) dau tu, la ban sao chirng thuc dm Ca quan c6 tham quyen;

Chung minh than clan (kh8ng qua 15 nam ke ter ngay duce cap), co the thay the bang nhang giAy ta tuY than khac nhu: HO chieu, chimg minh quan dei, cong an,... la ban sao;

- Cac gray ter khac IA ban chinh hoac ban sao c6 cluing thvc ctia ca quan co thim quyan hoac ban sao do Khach hang sao chap va ky, (tang clan xac than. Neu IA ban sao do Khach hang sao chop va ky, long dAu xac nhan thi Chuyen vien Khach hang phai d6i chieu voi ban chinh va k9 xac nhan, ghi r6 ngay 46i chieu;

Ngan hang a nghi Khach hang gni di), cht cac 1-16 so khi giao dich Ian dAu tien va gni bet sung ngay sau khi co thay del;

HO so phap ly phai dam bao tinh cap nhat hien Unit 461 voi Khach hang.

2. 116' so tai chinh

a. Dth voi Doanh nghiep vi cac Phil) nhan co hoot Ong kinh to

- Bap cao tai chinh:

+ Bao cao tai chinh dinh Icy, lap theo man quy dinh dm BO Tai chinh gom co:

✓ Bang can dei ke toan;

✓ Bao cao kat qua hog citing kinh doanh;

✓ Thuyet minh Bao cao tai chinh;

✓ Bang can dei s6 Oat sinh chi fiat cac tai lchoan;

✓ Bao cao Iuu chuyen tien to (neu co);

✓ Cac bdo cao cna Kiem toan doe lap (nett co);

+ Bao cao tai chinh nhanh.

7-5o

IGAN AG IA

BIN

ary lb

LientrietPost6an4 NSA. WOG WU a(4 1.1,?+ T

So ke toan:

+ Bang tong hqp chi tiet tai khoan phai thu khach hang, phai tra nguti ban, nhap — xuat — ten hang ton kho (bao gem nhung kh6ng gi6i han a not dung gia tri va s6 *rig), tai san co dinh (bao gem nhung khong gi6i han not dung thgi diem duo vao sg dung, nam tinh khau hao, phuong phap khau hao, gia tri hao men My ke);

+ S6 Ice toan chi tiet tai khoan phai thu khach hang, phai tra ngtrai ban vgi mot s6 Khach hang co phat sinh ding no/phat sinh thanh toan trong Icy/so du cu6i ky lon;

+ S6 quy tien mat 03 thang gAn nhAt tinh den that diem Khach hang de nghi vay von va 01 thang gin nhat ke tir thgi diem giai ngan (neu c6) cho Khach hang d6i vai truang hop Khach hang co nhu caw giai ngan bAng tien mat;

+ Sao Ice tai khoan tien ggi thanh toan cua Khach hang tai TCTD ma Khach hang co quan 4 giao Bich teen girt thanh toan chit 3/6u.

- Cac to khai thud VAT;

- Bien ban kiem tra cua Ca quan thud, Kiem toan nha nu& (neu co).

- Ka hoach san xuAt, kinh doanh trong ky (theo nam hok theo chu kY son xuat, kinh doanh twang irng, neu co);

- Bao cao tong ket, sa ket tam, quy, than hoac chuyen de ve tinh hinh san xuat, kinh doanh (neu co);

Cac h6 sa khac the hien nang lye haat dOng va tai chinh oda doanh nghiep: hop deng thud kho, mat bang kinh doanh (thu co), hinh anh ca sa san xuat kinh doanh, kho hang cita Khkh hang, cac hop Sing kinh to dau vao, ra co gia tri 16n (deli bleu) da va dang thgc hien,....

Bao cao thong tin va giao dich veri ngtrai co lien quan (ten, mei quan he vgi Khach hang, Oat sinh phai thu, phai tra trong Icy kern not dung phat sinh...).

b. voi HO kinh doanh ca the, To hop tac:

Bao cao ve tinh hinh san xuAt, kith doanh: Se that 1cY ban hang, se nhat IcY mua hang, Bang Ice luan chuyen vat tu, san phAm, hang hoa, So chi phi san xuAt, kith doanh, Se theo clei vat tu, san phAm, hang hod, Bang dAng ky TSCD sir dung vao san xuAt, kith doanh, So tien mat, tien giri, Se theo del na phai thu, Se theo del no phai tra, Chimg tir, hod don nOp thud,... Tay theo phucrng phap xac dinh s6 thud GTGT phai nep dm HO kinh doanh ca the, CVKH htrOng clan Khach hang cung cap va thu the') chimg to phU hop. CAn cu quy dinh cua to hqp tic tai hop idling hop tac va cac quy dinh khac (neu co), CVKH huong don Khach hang cung cap va thu thap chimg tir phO hop;

Cac h6 sa khac the hien nAng lye hoat dOng va tai chinh cita Khach hang: He sa tai san tich (neu c6), hop &Ong thug kho, mat bang kinh doanh (neu co), hinh anh ca sa san xuAt kinh doanh, kho hang dm Khach hang, cac hqp deng kinh to dAu vao, dau ra co gia tri Ion (tieu bieu) cid va dang thgc

.71; HAN

AI CA DI41 Vl

4

IlealiletPastBatif MG mar 01041.1CreOn

c. Yeu eau dot voi Ho so tai chink:

DM vat bdo cao tai chinh: La ban chinh co du eh& ky va dang clau xac thgc cua Khach hang. Vai bao cao nOp co quan thus': co xac thvc dm co quan thus (neu nOp bao cao trtrc tier' tai co quan thus) hoc ban PDF CO cha ky dien to cua Khach hang (neu nOp bao cao thus' qua mang);

SO Ice toan va cat gity to khac do Khach hang he lap: Ban chinh hoac ban sao do Khach hang sao chyp va ky , (long dAu xac than (co ban chinh a so sank) ;

- Ta khai thus VAT NI eac gib to do ben thd 3 cung cap: Ban chinh hoac ban sao co cluing thvc cita co quan co thAm quyen. Cac to khai thus' VAT nOp ban drug CO xac than cita co quan thus' vai twang hop nOp to khai trvc tiep tai co quan thus' hoac ban PDF CO chir ky dien tir cda Kith hang neu Ice khai thus' qua mang.

Theft hieu ctia Bao cao tai chinh:

+ DOi vai khoan vay trung, dai han hoac khoan vay ngin hart khong co tat san bao dam: Bao cao tat chinh quy gin nhAt va 3 ram lien Mc gin nhAt hoac tir khi thanh lap neu hoat dOng chua den 3 nam;

+ D61 vai khoan vay ngan han: Bao cao tai chinh quY gin that va 2 nam lien tvc gin nhAt hoac tit khi thanh lap neu hoat dOng chtra den 2 nam;

+ DM veri Khach hang quan he tin dung thuang xuyen tai Ngan hang da gui Bao cao tai chinh dinh Icy Cho Ngan hang: Can Cu vao Ha so hien co, Ngan hang chi yeu Ciu Khach hang gal b6 sung.

- Thai hieu ctia s6 ke Loan: nam tai chinh lien truck nam a xuAt vay von Ian nay va cua ky tai chinh cap nhat.

3. HO srr vay von

a. HO scrchung:

Gray a nghl vay von: theo mAu cua Ngan hang;

Phtrong an vay von, tra nq hoac Dv an du ttr: theo mAu elm Ngan hang;

Cac HO sa, cluing tir chtmg minh cho Phuong an va dOi tugng vay von nhu:

• hoach kinh doanh &roc cap co thAm guy& thong qua (nett CO);

• Hop slang kinh te, clan su;

• Bi8n ban ban giao hang hoa, dish vv (nett CO);

• Phieu xuAt, nhap kho (nSu co);

• Thu Chao hang, GiAy bao gia (neu co);

• Cac Hoa don, chung tfr khac co lien quan (neu co).

b. DOi veri cac khoin vay trung, dai han phyc vu Dv an dau tir:

- Bao cao nghien cuu tien kha thi hoac Bao cao nghien cuu lcha thi; Du an dAu tu; Quyet dinh phe duyet cua cap co thAm quyen (neu co);

Thiet ke co 50, Thiet ke lc, thuat va tong du toan; Quyet dinh phe duyet Thiet ke co. so., Thiet ke ky thuat va tong du toan ctia cap co thim quyen (neu CO);

5

LIenVIetPost

Cac quy& dinh, van ban chi dao, tham giay kien, the van ban lien quan ve the do, tru dai, hO trg cira cac cap, ngach, dia phuong c6 lien quan;

Phe chuan bao cao danh gia tac dOng mei twang, phong chong chay no clOi v6i nhang Dv an c6 yEu cau;

Cac giay to ve sir dung di dm Dv an nhu: Quyet dinh giao alt, cho thue dat; Hop ding thue dat, thue nha xuang de thuc hien Dv an (neu co);

Ck van ban lien quan den viec den bit, giai ph6ng, chuan bi mat bang xay dung (neu co);

Thong bao ke hoach dau tu hang narn dm cap có tan quyen d6i vei nhiing Dv an vay von theo ke hoach Nha nuoc;

Thong bao chi tier' Ice hoach dau to &Si vei Doanh nghiep IA thanh vien cua Tong Gong ty;

Bao cao kh6i lug:11g dau tu hodn thanh, tien dO trien khai thIrc hien Dv an del \Tel Dv an clang dugc tien hanh dau tu;

- TM lieu chung minh ve von dau tu hok cac ngu6n von tham gia dau to Dv an a yeti Dv an da MIN hien dau tu hok có nhieu nguOn von tham gia dau ftr;

- TM lieu danh gia, chimg minh nguan cung cap nguyen lieu, thi trueng Gila Dv an (neu co);

Gidy phep xay dtmg doi vEri Gong trinh yeu cau phai co Oily phep xay dkmg;

Ck van ban da có hok b6 sung sau lien quan den qud trinh dau thau thkrc hiEn Dv an nhu: Phe duyet ke hoach dau that', ket qua dau thau, Hop (tang giao nhan than (neu c6);

- Hop &mg thi tong xay lap, cung cap thiet bi, van ban phe duyet hop d'Eng nhap khau thiet bi, Hop d6ng tu van (nat.! co);

Cac gity to khac lien quan den Dkr an du tu, muc dick sir dung den vay va dam ban Du an duce trie'n khai hop phap.

c. DM veil cac khoan vay bang ngoai te: Ngodi cac Ha so lien quan den viec sir dung tien vay tai cac diem a va b, Myc nay, Khach hang phai cung cap cac tai lieu, chung tir thing minh nhu can stl dung ngoai te: Hqp dOng ngoai thuong; Hop &mg lien doanh, lien ket vet nuec ngodi, cac van ban, chimg tir khk darn bao tudn Mir quy dinh quail 19 ngoai hai hien hanh, quy dinh ve xuat nhap khaki cua Nha nuac va quy dinh lien quan tei cho vay bang ngoai te.

Cho vay de thanh toan cho nuec ngoai tien nhap khau hang hoa Nth dich try plum vu cho boat dOng san xuat, kinh doanh: Giay phep nhap khan cira Ca quan quart 19 chuyen ngach hoac han ngach nhap khau, vEri mot só hang hoa theo quy dinh phai c6 Giay phdp hoac han ngach nhap khau;

Cho vay cac Du: an Mu tu theo quyet dinh cira Thir Meng Chinh phi): Van ban dm Thit tueng Chinh phu chap thuan Du an du tu dtrgc vay ngoai te;

Nv

A

Lien P0StElatili NUS tlir,s4T

Cho vay cac Dtr an san xuat, kinh doanh hang xuat khau: Hap dOng xuat khau hoac Hap deng san xuat, gia Gong, cite bien hang xuat khAu;

Cho vay cluti hinh thilc chiet khau be cluing tir xuat khAu: BO chung tir dei tien hoan toan phu hap vat the dieu kien va dieu khoan ctia L/C; Van ban cha Khach hang cam ket cho Ngan hang dirge quyen trich tai khoan ctia Khach hang de thu nq khi tien hang xuat khau ve Ngan hang;

Cho vay de tra no nark ngoli truerc han: Van ban dm ben cho vay nuerc ngoai chap nhan cho Khach hang dirge tra nq truot han; Van ban dm Ngan hang NM nude chap thuan dieu kien tra ng nuerc ngoai.

d. Yen an doi voi116‘ so. vay

Mit veri cac giay to lap theo mkt tha Ngan hang: Ban chinh;

EMI yeti cac giay to do Khach hang to lap: Ban chinh hoac ban sao do Khach hang sao chug va Icy, (tong dau xdc nhan;

Doi v6i cac giay ter do ben thU 3 cung cap: Ban chinh hok ban sao c6 cluing thus cua ca quan c6 tham quyen.

4. HO sa ve tat san bat) dam

a. Danh mac ho so.: Bao gam toan 60 cac giAy tb chting minh quyen va quyen sir dung hop phap ve tai san, cu the:

- Cac giAy to hap chimg minh quyen so him tai san va quyen sir dung dat doi vol nha dat

Phuong tien van tai, xe may thi cong xay dung dang Itru hanh: Giay dang kyr, so dang kiem, GiAy phep km With, chimg nhan bao hiem.

May moo, thiet bi, hang h6a trong kho: Cac gity ter chimg minh nguen g6c hop phap dm hang hoa nhtr flgp &nig mua ban, hoa don tai chinh hok bt) chtmg tir nhap khau, cac phieu thu hok chung tir chuyen khoan chting minh dA thanh toan tien cho ben ban, bien ban ban giao, phieu nhap kho.

Phuong tien van tai trong kho: Cac giay to chfrng minh nguein goc hop phap tha hang hoa nhu Hop dOng mua ban, hoa don tai chinh hok 60 cluing tit nhap khau, to khai ngu6n gtic xe nhap khau va Clang kiem Oki vol cac loai phuang tien you cAu phai co &Aug ki6m).

- Ban sao giAy to 06 gia (s6 tier kiem, chung chi tien gui, trai phieu, co phieu).

Neu the chap bang the quyen ddi nq phai co cac giay to cluing minh quyen del no nhu Hop deng, Hga don, Bien ban ban giao/Bien ban nghiem thu, bien ban xac nhan cong no...

b. Yeu au did voi HA so ve Tit san bao dam:

- HO sa chung dap ung theo Quy djnh bdo dam tien vay Ara the quy dinh khde via Ngan hang Buu di en Lien Viet ve Tai san bao dam.

5. HO so ve tinh hinh quan 14 tin dung tat cac TCTD khac

a. Danh mac hti so.:

e VietPostliar.li M0 t

- Sao Ice Dix no tai cac TCTD khac;

- Sao Ice Tai san bao dam tai cac TCTD khk;

- Hop ding tin dung va cac phg Itm dinh kem (neu c6);

- Hop ding bao dam va cac phu luc dinh kern (neu có);

b. Yeu eau d61 v6i he so':

Sao k6 du no va Sao ke tai san bao darn: Ban chinh;

- Hop idling tin dung va Hop ding bao dam: Ban sao do Khach hang sao chgp va k3%, ding dau xac nhan (co ban chinh de' so sanh).

6. Lies";

Ngoai nhiing he so bat buik neu tren, d6i v6i mOi Khach hang cg the thi CVKH co the can cu vao nhitng dac thu cua Kilda hang de hugng dan Kilda hang be sung them cac he so khac de dam bao cho Ngan hang cg duct thong tin ve Kilda hang met each day du, toan dien.

CVKH co trach nhiem huong clan chu dao Khach hang bleu duoc not dung cac loai he so phai lap nhung khong dirk pile') lap he so thay Khach hang. Vi neu sau nay xay ra tranh chap glita Ngan hang va Khkh hang thi viec Ngan hang lap he so cho Khach hang se gay bat Iqi cho Ngan hang tusk co quan phap luat.

9

.47••

Beniheti. }c Nra.:11A.,rilf,J0 L I

Phy lyc 02/PL-QTCV

PHU INC 02 HUtiNG DAN LAP HO SO VAY VON, TIEP NHAN VA KIEM TRA HO SO

KHACH HANG CA NHAN

Sau khi nam bat dirge sa ha' cac you au cua Khkh hang, tuy thuac &Si tugng Khkh hang, mire Bich sir dung von vay, phuong thtic vay , von, loai hinh kinh doanh Khach hang, CVKH phai cung cap Huang clan ha so vay von ap dung cho Khach hang ca nhan theo quy dinh duai day va huOng clan Khach hang mat each t9 my, day du ve not dung va phi) hop ye hinh

Ha so vay van cu the nhu sau:

1. HO so' phap 19 din Khich hang

Khach hang ca nhan vay von dirge chia ra 2 trang thai: da lap gia dinh va (lac than

STT

1

Trang thai

Da lap gia dinh

Ha so

CMND/ha chieu cila Khach hang va vg/elbang

You du

Ban sao

HO khAu/KT3

Dang k9 ket Mn

Cy quyen hop phap dm nguOi hon plied ve viec thgc hien k9 cac van ban, giay t& phap 19 truerng hop chi co mat ngirgi , k9 tren van ban, giay t6 phap 1Y lien quan den viec vay von Ngan hang (neu cac ben co thaa thuan).

2 Doc than

CMND/h0 chieu cilia Khach hang Ban sao

Ha khAu/KT3

- GiAy xac nhan do, c than dm UBND dia phuong (co thin gian xac nhan chin qua 03 thang den then diem xin vay, khong bat buac co trong qud trinh tham dinh c6 the ha sung auk khi giai ngan; hoac

- GiAy cluing nr cilia UBND dia phuong (Outing hgp nguti hon ph6i mat); hoac

- Tuyen bli mat tich (dang con hie)* lye) dm Tga an dia. phuong (truerng hgp nguti lion ph8ibi mat dell).

Ban chinh

Ban sao

Ban sao

2. HO sa tai chinh

STT HO so' au eau Yeau

a. Thu nhap tie twang Ira the khoin theo Luang

1 Hop clang lao clang; Quyet dinh b6 nhiem, WO nhan, thuyen chuyen ding tae hoac giay ter cluing minh kinh nghiem lam viec (t6i thieu da co thai gian lam viec 01 Warn vat truOng hop la nguan thu nhap chinh).

Ban sao

2

Cac giAy ta ching minh ngu6n thu nhap: Quyet dinh mut Luang, tang luong, nang luang, nang bac, phong quan ham...

- Xac nhan luting, thuong dia don vi sir dung lao Ong; cluing tfr chi tra luong, thuemg tai thieu 03 thang gan nhat; hok

- S6 phu tai khoan tra luong qua ngan hang tai thieu 03 thang gAn

Ban sao

Ban chinh

NGA

ONG I BO

LIEI /m

1

,e-flb LieriVietPo ara;

b .

1

2

nhat; - Cac ha sa khac neu co.

Thu nhap tir cho thud bit &Ong san (cho thud OM dit, cda hang, kho,..

- Hop Ong cho thud nha 6./nha trokira hang (con hieu lyc) - Hop Ong cho thud nha xtrong/Icho/clAt.. : (can hieu lyc tai thieu 6

thang hoc tuong Ung vOi tiled gian vay neu vay it hon 6 thang)

Giay 0 chirng minh Khach hang la cha so . hiru nha cho thud hioác. c6 quyen khai that va hirang Igi tir viec cho thue, cac ha so bao gam:

- Giay chung nhan quyen sir dung clat/quyen sot him nha O . (so do, s8 hang);

- Hop Ong thud nha dai han veri nha nude; - Cac giAy to khac theo quy dinh dm Lust Tat clan,* nha 0.

Ban chinh

)

Ban sao

Ban sao

3 Hoa don/ hien lai/ phiau thu hang thang/quy/nam (ntu co) Ban sao

c. Thu nhip tie cho thug Ong san (cho thug oto, may mdc, thiet bi ...)

1

2

3

Hop clang cho thud

Gay ta chUng minh hoac c6 quyen khai - Bang ky xe 6t6, - TO khai hal quan - H6a don mua/

FlOa don/ hien lai/

xe 6t6, may m6c, thiet bi .. (can hieu lye) Ban sao

Khach hang la chit sa him xe oto, may m6c, thiet bi thdc va huang Igi tir viec cho thue, bao gem: s6 clang kiem xe, may mac nhap khAu

ban xe, may mac thiet bi ...

Ban sao

phieu thu hang thang/quy/nam (lieu co) Ban sao

d. Thu nhip tie bin tai san hien co

1 Ban bat (ging san (nha dAt, nha xuong ...)

- GiAy chimg nhan quyen sir dung dat/quyen ser halt nha 0 (so do, s6 heing);

- Hop Tang thud nha dai han v6i nha nu6c - Cac giAy PO khac theo quy dinh cila LuSt clAt dai

hien hanh

Ban sao

2 Ban Ong san Coto, may mac

- Bang ky xe oto, s6 (tang kiem _ TO khai hai quan xe, may mac nhap khan Ban sao

3 Tai san khac Thy thu0c vao loai tai ski Khkh hang se ban, ha so se you cau cn the theo clic thu cua ding loci tai san Ban sao

e. GO vent, thanh vien sang lip doanh nghiep

1

- Bang hieing ducyc linh tir hoat dOng dm doanh nghiep (tai thieu 03 thang gall nhat), hoac

- SO phu (hoc saoke) tai khoan tra hieing qua ngan hang (tai thieu 03 thang gan nhat)

(Truang hop Khach hang tham gia van qua trinh dieu hanh)

Ban sao

Ban chinh

2 GiAy Bang ky kinh doanh, clieu l'e cita doanh nghiep Khach hang gap van

Ban sao

3 Quyet dinh ha nhiem giam (lac, Ice than truemg va cila Khach hang (neu Ban sao

04f

1.1 HA 41C iDlE

VI

14:

2

LientetPa,. titAN HANG 1c';

4

5

f.

1

co)

Ban sao

Ban chinh

Bao cao tai chinh dm doanh nghiep 02 nam gAn nfrat

Cac giay to khac (neu co)

HO kinh doanh

GiAy Dang ky he kinh doanh hoac giAy chi:mg nhAn/giay phep hanh nghe (dor vai nganh nghe yeu au co giay chirng nhAn/giay phep)

Ban sao

2 S6 sach theo clOi ban hang eila 03 thang gan nhat Ban sao

I 1

en I

I 1

Hap thing thug mat bang san xuAt, kinh doanh (neu di thue) Ban sao

Ban chinh Cac giAy to khac (neu co)

g. NguOn tra no' dm ben ti? 3

1

2

GiAy to chimg minh quan he met thit nhu: so ho IchAu, giay khai sinh...

Cam Vet bao lanh tra no dm ca nhan ben thir ba

Ban sao

Ban chinh

3 H6 so chUng minh thu nhap cria ben thir ba Ban sao

3. HO so vay von

STT HO so A A Yeu eau

1 Dan de nghi vay von (theo Mau LienVietPostBank , Ban chinh

2 Phuang an kinh doanh (theo mau LienVietPostBank) Ban chinh

3 Ho so chimg minh myc dich sir dyng von vay (Hop &mg mua ban, giay dat coc, phial thanh todn, giay he xay thing... Ban chinh

4. HO so' tai san bio dam

STT Ho so. A Yen cau

1 Cat gay to hop le chirng minh quyen so him tai san va quyen sir dyng tat doi vai nha dat Ban sao

2 Phuong tien van tai, xe may thi Ong xay dung dang km hanh: Giay dang ky, Gity phep km hanh, chimg nhan bao hiem Ban say

3 Gray to co gia (se trot kiem, chimg chi tien girt trai phreu, co phieu).

Ban sao

4 Chimg minh thu nhan dan, s6 tiet kiem Gila chn so him tai san Ban sao

4 Chung minh thu nhan dan, s6 tit kiem dm chil so him tai san Ban sao

5. HO so re tinh hinh quan he tin dung tai cac TCTD khac

STT HO so You au

CV re

)

Sao ke Du no tai cac TCTD khac Ban chinh ________________________________________ — Sao k8 Du no tai cac TCTD khac Ban chit-1h

Hop (long tin dung va cac phy lye dinh kern (neu co) Ban sao

4 Hop Bong bay dam va cac phy lyc dinh kern (lieu co) Ban sao

NG OPR

IET

3

LienVietPo. N.t7).:; ItAtif.:,1Vd ■ rg,

6. Lum t:

- Ck giay t& chung minh nhan than va gidy to ,khk Khach hang phai dam bao con hieu Itrc theo quy dinh Nap luat. Chang han dot voi CMND IA 15 nim, HO chieu 10 nam...

- Wei voi He so ve tai san bao dam, khi CVKH thu thap de thim dinh NIA tranh phe duyet chi can ban sao. Khi hoan thien thA tac giai ngan, CVKH dux hien theo quy dinh cia Ngan hang va cua phap luat ye bao dam tien vay va cac quy dinh khac co lien quan.

- Ngoai nlffing ha so bit buec neu tram doi voi mei Khach hang cu the thi CVKH co the can cu vaonhing dac thu Khach hang de huong dan Khach hang b8 sung them cacho so khk de dam bao cho Ngan hang co dugc th6ng tin ye Kith hang met each day dil, toan dien.

CVKH co trach nhiem huong dan chu dao a Khkh hang hieu (lucre nOi dung cac loaf he so phai lap nhung kheng dirge phdp lap h6 so thay Khach hang. Vi neu sau nay xay ra tranh chap glen Ngan hang va Khach hang thi viec Ngan hang lap 116 so cho Khach hang se gay bit Igi cho Ngan hang three co quan phap luat.

4

lv

LienitietPOSMaidi ,40,nstApic !it in: 'jlt:

Phu 03/PL-QTCV

PHU LIJC 03 HUQNG DAN THAM DINH CHO VAY KHACH HANG DOANH NGHICP

I. Them dinh Khach hang va tinh hinh tai chink ciia Khach hang.

Tay theo Khach hang va pthrong an vay von, khi tham dinh, CVKH co the sir dung ket hop nhieu ngu8n th8ng tin khac nhau:

- Xem xet tren hO so;

Gap go trao true tiep, phong van Khach hang;

- Kiem tra thkre to tinh hinh san xuat kinh doanh eth doanh nghiep tai tru sec, ea so san xuat, kho bah tha Kilda hang;

- Ket hop voi cac nguOn th8ng tin khk nhu: tir ban hang; doi thit canh tranh; cac co: quan quan ly; cac ngan hang thong qua mei quan he va Khach hang ti8u thy san pham hang hoa hoac dich vv.... de clanh gia Khach hang chive chinh xac, khach quan;

Thong tin tir CIC;...

Nei dung da tham dinh Khach hang g6m:

1. Them dinh Khach hang

a. Them dinh ttr cfich phip 19 Khich hang: Tien co so the 1:16 so do Kith hang cung cap, CVKH co ha:eh nhiem tim hieu to each dm Khach hang nhu c6 chi nang Ive dan su, nang lac hanh vi dan skr hay kh8ng, cluge thanh lap va hoat Ong c6 thing quy dinh kheing, nguth dai then phap than da thing tham quyen chua... va doi ehieu voi the qui dinh cua phap luat hien hanh de xem xet Khach hang co dit dieu kien kinh doanh va vay von hay khong.

b. Kha nang quan 19: Danh gia uy tin, nang lye va tupach tha nguoi vay yen ho'dc ngutti dai dien phap nhan: can tim hieu ro ye ngtreci vay von (hok ngueri dai dien phdp nhan), ye cac khia canh to each dao dire, trinh c10 va kinh nghiem than 19, the chire vu da trai qua, tae phong lanh dao va uy tin trong quan he veil the ,ngan hang cling nhu voi cac tac khac trong qua trinh kinh doanh. Viet tim hieu can tion hanh kheo leo va to nhj.

c. Qua trinh hinh thinh re phat trien:

Xem xet lich su hinh thanh va qua trinh phat trien tha doanh nghiep de rut ra nhcmg diem manh, diem yeu cita Khdch hang.

- Tim hieu ye co cAu to ethic, the tong ty thanh vien a tint ra the tac dOng, mei lien quan cua viec sir dung von vay...

d. Them dinh tinh hinh quan h .? voi cac to chit tin dung

CVKH den hanh kiem tra thong tin tin dung (CIC) ve lich su quan he tin dung tha Khach hang, cita vg/thong, cda cac doanh nghiep ma Khach hang d8ng chit so hint yen tai cac To chirc tin dung khac va tai Ngan hang Buu dien Lien Viet. Ngoai ra, CVKH co th8 tham khan cac th8ng tin tit cac nguen thong tin khac de ket qua thAm dinh ce do, tin thy cao.

Trong trutng hop thong tin tir CIC cho biet Khkh hang hok vq/chOng Khach hang hoac doanh nghiep gop von c6 no tir nh6m 2 (theo quy dinh phan loai cua Ngan hang nha nude) tra len, CVKH can phai yeu ca'u Khach hang giai trinh ye Oh no qua hat nay:

1

V

lienthetPostllank ∎ NNU lit I

Phy lye: 03/PL-QTCV

• Neu chimg to giai trinh hop 1Y, Ichach quan thi CVKH tiep tuc nhan ho so dm Mach hang va num hien tit dinh nhu mot mon vay thong thuong.

• Neu Khach hang khong giai thich duct hok nguyen nhan qua han la do sv chay kheng tra duct no, hoac do doanh nghiep lam an thua 0 thi CVKH co the bao

cao Twang ph6ng tir ch6i khoan vay nay.

e. Thank dinh ve tinh hinh san xuat kink doanh:

Lam r6 cac khia canh lien quan den qua trinh san xuat, kinh doanh cua Khach hang mot ckh day du nhdt de to do co ket luan ve tinh hinh san xuat kinh doanh cua Khach hang nhu: linh vvc kinh doanh co phO hop yeti tinh hinh hien tai va throng lai, chiing loai san pham san xuat hoac dich vu clUng cho cloi throng tieu thy nao, kha nang phat trien thi truang va doi tin) canh tranh, to do danh gia kha rang ton tai va phat trien cua Khach hang de co quyet dinh cho viec cap tin dung mot cach chinh xac.

- Viec danh gia can phai xem xet cac khia canh saw

• Linh vac kinh doanh: Can xem xet link vvc kinh doanh cua Khach hang, hieu biet va kinh nghiem cua Khach hang trong linh vac do (thuthg duqc the hien bang cac hop Tong da thuc hien hoac doanh s8 tha hog dOng kith doanh nay), nhQng vu the cila Khach hang trong 11th vvc do. New la 15nh vac kinh doanh mai can tim

hang.... dm Khach hang vay von. hieu khd nang canh tranh hoac kha nang chiem 11th thi truemg hoac kha nang ban

o• • San pham: Khach hang san xuat, kinh doanh mat hang gi, nhu cau xa hOi ve 1/2 TH

loai mat hang do tai thai diem xem xet va co the du bao trong tucmg lai, rang lye san xuat va chat lacing san pham, kinh nghiem cua Khach hang trong san xuat, kinh doanh mat hang do ding nth ngu6n cung san pham nay tren chi truang (bao , gom ca nhap khau). Uu the/han the cua san pham ma Khach hang clang kinh doanh so voi the doi thu khac nhu the nao, ke ca phuang thirc bdn hang/kenh ban hang. Anh huong cila cac san pham thay the di vai viec kinh doanh tha Ichach hang.

• Thi truang: Tim hieu cac thi tn.tong chinh va dei tac cua doanh nghiep (dan vao va dau ra), phuong thirc ban hang va dinh huong ma rOng thi tratmg trong twang lai, cac hinh thac M try Khach hang, dai

• D61 thu canh tranh: Xem xet cac dai thu canh tranh nye tiep cita doanh nghiep, cac lqi the va han the tha doanh nghiep so vai cac dei thu.

• Ca au to chirc quan ly cua doanh nghiep de thfrc hien 4 diem neu tren nhu each chttc cac phong ban, elute nang va quyen han cua tong phong ban, phuong thirc

quan lY

• Thiet bi, ding nghe: E& voi cac doanh nghiep san xuat phai xem xet den cung nghe san xuat dang sir dung thuOc loai ding nghe nao, nhiring uu nhugc diem tha C6ng nghe do, may mac thiet bi ra sao co dap Ung duce cac yen cau cua Khach hang, tha thi truOng ye mau ma, chat luong, so luqng kh6ng.

- Khi danh gia tinh hinh san xuat cua Khkh hang phai so sanh yeti cac doanh nghiep Ichac ding loai va vai chinh sdch Khach hang trong cac giai doan crude de thay dirge nhitng thanh tong, han the cua Khach hang trong thai gian qua, nguyen nhan dan den sfr thanh cong hay han che do to do danh gia Icha nang phat trien cua Khach hang trong thai gian tot

2. Phan tich tinh hinh tai chink:

2

lienVIetPtisMargit MC*: HANG IP/Ij V4V; ULw NE l

Phy lyc: 03/PL-QTCV

2.1. Phtrung phap Sian tich tai chinh:

Phan tich khoan muc:

+ Phan tich ca cam

• Phan tich cac nhan t6, nguyen nhan, tac dOng, sir anh huOng cua cac you to On kha nang tra ng cua Khkh hang.

Phan tich chi s6:

• Tinh town cac chi so/chi tieu;

• Danh gia gia tri cac chi so, so sanh ken Ong cac chi so cua Doanh nghiep qua ding Med Icy (tang/giam tuyet doi/tuang doi), so sanh chi so cua Doanh nghiep so vOi chi tieu trung binh nganh, vgi cac Doanh nghiep khac trong nganh co quy me tuong tu de danh gid.

Phan tich Ong tien:

• Phan tich Ong hen vao/dOng tien ra

• Dkr bao xu huong trong tuong lai (neu c6)...

2.2. NOi dung Olin tich

a. Phan tich bio Bang can ai 1,4 toil,

Phan tich tong quat Bang can Ake toan danh gia chung ve loai hinh, quy m6.

Phan tich chi tiet ca cAu ye tai san, nguOn von, xem xet kha Iran thug to cua doanh nghiep ye tiem lac tai chinh, ten ea s6 do ket luan ve thug tang tai chinh cua KWh hang, danh gia hieu qua hog Ong cda khach hang va kha Mang both tra no vay cho Ngan hang. Phan tich skr bi8n Ong ve tai san va ngu6n van a danh gid bien Ong ve kinh doanh tha doanh nghiep, xac dinh anh huOng toi host Ong doanh nghiep trong theri gian

Tinh hinh tai chinh phai dugc xem xet mot each chi tiet va co he thong it What trong ba thin lien tac (trir truang hop Khach hang mgi thanh lap) de rut ra ket luan tinh hinh tai chinh c6 lanh math hay khong, co nhang han the va rtli ro tiem an gi.

Trong phan tich tai san, CVKH phan tich gia tri tai san, tinh hinh tang giam/giam tai san (ngan han va dai han), ca cau tai san, ty tang cac khoan mac tai san quan hang tren tong tai san. MOt s6 khoan mac chinh ggi y phan tick

• Ck khoan phai thu: Bath gia kha tang thu hoi, danh gia ve mire c/O uy tin dm cac ban hang va dac biet luu y den cac khoan ng 'Ong keo dai va cac khoth du phong cac khoan phai thu kh6 doi.

+ Hang Mn kho: Can xem xet tinh hinh ken Ong xuAt - nhap va ton kho ca nguyen lieu va hang hod dm. Cong ty. Can tim hieu trong so hang Mn kho co bao nhieu la hang 8 cham Juan chuyen, bao nhi6u hang kern chtt lucrng, hang bi tra lai.

• san c6 dinh (TSCD): CVKH lam re cac vAn de: Tang/giam TSCD (tuyet OUtuang d6i); Ty trong TSCD/Tong tai san; ChAt lugng TSCD; Gia tri, ty hang tai san vo hinh; Nguth von hinh thanh len TSCD; ,Phuang phap khau hao TSCD. CVKH co the de nghi Khkh hang cung cap mot se tai lieu, thong tin nhu: chi tiet TSCD, TSCD tu da dang; phuong phap khlu hao TSCD...

• Dau to dai han: CVKH lam re cac van de: Tang/giam datt tu dai han (tuyet doi/tucrng dei); Xem xet hieu qua cac khoan du to dai han, anh thong cita viec

-5(

Ni VON

LI] AI

3

DenVietPastaanli $.1sAti m.t.NGILn. , 0, 0 OEN

Phy lac: 03/PL-QTCV

dau to dai han doi vol hog Ong mia cong ty; Danh gia cac khoan dau to tai chinh có chinh xac kheng; Hog Ong oda cac cong ty con, ding ty lien doanh, lien ket...

+ Mire de Au to vao tai san c6 dinh: T9 suet dau to = Nguyen gia TSCD/TOng tai san.

- Trong phan tich Ngu6n von: CVKH phan tich kith Jiang cua Khach hang ye ngu6n von chit so hau, nguem von chiem dung va von vay.

+ Chti 9 Na phai tra la nguan van chiem dung oda cac OE tac. Xot ve mat lei ich thi doanh nghiep kheng phai tra lei cho ngu6n von nay nhtmg neu cac khoan phai tra qua lon thi co the din den mat kha nang thanh toan. Dac biet, neu doanh nghiep cc!) cac khoan no day due keo dai thi can xem xet lei uy tin.

+ CM y xem ?cot cac khoan ng ngan hang. Qua viec xem xet cac khoan ng ctia doanh nghiep von cac ngan hang khac (neu co) phan nao the hien dugc uy tin dm Khach hang trong quan M tin dung, Ong then day la ca se de' can doi lcha tang tra ng khi tinh toan then gian vay.Khi xem xet cac khoan no nay OC biet can then trong voi cac khoan no sap den han, khoan ng lch6 doi, no khoanh, ng qua han (neu co) va phai tim hieu, giai trinh ro nguyen nhan va bien phap kit phut.

Ltru t: DM van cac khoan mitt co bien do, ng bet thuong (phai thu, yin kho, phai tra...) thi can lam ro nguyen nhan bien Ong va (faith gia anh Mang tea tinh hinh tai chinh ctia Khach hang.

b. Phan tich bat, cio ket qui host do, ng kinh doanh

Phan tich doanh thu: Trong phan tich Doanh thu, CVKH chit y cac van a sau:

• Tang/giam tang log doanh thu: s6 tuong doi, só tuyet dot; IS do tartg/giam. Neu vi 19 do do, t bien, phan tich ban chit cita 19 do do;

• Ca cat doanh thu cita timg khoan doanh thu;

• T9 trong thu nit oda cac hog Ong kinh doanh;

• Kiem tra chi tier khaki thu nhap bet thuOng;

• Phan tich hog deng thuc to cua Doanh nghiep so van só lieu phan anh tren ban cao thue.

• Ltru t: Trong Doanh thu can phan tich tong doanh thu ye mirc de tang tnrong va ty tong doanh thu cua cac mat hang chinh nhu: doanh thu trong nei dia; doanh thu xuat khau, nhap khau, doanh thu hang u9 thdc. Qua phan tich doanh thu ket hop voi nhang phan tich trong Wen them dinh ye tinh hinh san xuat kinh doanh de rat ra ket luau ye nhatig thanh cong, han the cua doanh nghiep trong viec tiep can thi twang va ma reng hog Ong san xuat kinh doanh. Mac lchac, can phan tich tong doanh thu cua tang quy, tang thang de xac dinh dugc nhang theci diem hog deng ,menh cita COng ty vi so sanh voi hog deng cita tang IcY nam tru6c, dieu nay rat quan trong doi voi nhang doanh nghiep hog Ong san xuat theo mita vv.

Phan tich chi phi: Trong phan tich Chi phi, CVKH chi.) 9 the van de sau:

• Tang/giam tang log chi phi: SO tucrng ai, só tuyet den; Ly do tang/giam. Neu vi 19 do do, t hien, phan tich ban chit cita 19 do d6;

• T9 tong ctia cac khoan chi phi;

IAN, 14

3W E

4

Beni/let, trbigank Phu 03/PL-QTCV

+ Viec hach toan chi phi Ong truce va chi phi ch& phan be;

+ Viec phan be chi phi e6 thuc hien day do, hop 19 hay khong?

Phan tich Iqi nhuan: Trong phan tich Lai nhuan, CVKH chn y cac van a sau:

• Tang/giam timg log Igi nhuan: Se Mang dei, se tuyet dei;

• Xac dinh mile de chinh xac cua bao cao thud va bao cao tai chinh cna Doanh nghiep; km 9 cac thu thuat doanh nghiep thirc hie'n de ghi tang/giam Igi nhuan.

• Xem huong clan phan tich chi se Ara kha nang sinh lai.

c. Phan tich cac chi Khi phan nth tinh hinh tai chinh cna - Khaeh hang, CVKH phan tich 5 ,nhom chi so tai chinh chinh la: Chi s8 ye kha Man? sinh 16i, chi so ye tang trtreng, chi s8 ye hog dOng, chi so ye kha nang thanh toan, chi so quan Iy na.

+ Chi so ve kha 'fang sinh Rd:

CVKH tinh toan cac chi se) sau:

Ty sudt Lqi nhuan/Von CSH (ROE) = Lai nhuan rang/Van CSH.

• sucit Lqi nhuan/Tai san: Lai nhuan rang/Tong tai san (ROA); L0 nhudn rang/Tat san dai han.

• such Lai nhudn/Doanh thu: Lai nhuan gap/Tang doanh thu; Lqi nhuan truck va thud/Tong doanh thu; Lqi nhuan truce thue /Tong Doanh thu; Lai nhudn

rang/Tong Doanh thu.

- Cac chi tieu ve Igi nhuan phan anh hieu qua hog (long qua trinh san xuat kinh doanh cita doanh nghiep. DO.c bier trong trunng hgp doanh nghiep hog dOng kh8ng hieu qua (bi 18), CVKH phai tim ra dau la nguyen nhan gay 18, cac bien phip han the va kick phue 18 trong thoi gian tiep theo.

- Doi v&i cac Doanh nghiep ngoai quec doanh, bao do kat qua hoot dung kinh doanh thuOng phan anh thu nhap thap hon thus to hog dOng de tranh nOp thug thu Map doanh nghiep, nen khi tim hieu CVKH can tim hieu thkrc tang ket qua kinh doanh de c6 ca se: phan tich mot each chinh xac, phn hqp.

• CM so ve fang trir&ng:

- Doanh thu thuan = Doanh thu ban hang va cung cap _Bich vu — Ccic khoan giam tru Doanh thu (Gam: cac khoan Chiet khdu thumig mgi : Githm gid hang ban, Hang ban bi tra Igi, Thue Tieu thy deic bi et, Thud xuat nhap khau va VAT ndu theo phucmg phap tinh trot tiap)I

- Tang Throng va doanh thu (%) = (Doanh thu nam N— Doanh thu nam N-1)/Doanh thu nam N-1* 100%.

- Tang frith/2g ve 10 nhuan sau thud (%) = (Lqi nhuan sau thud nom N— Lqi nhudn sau thud nam N-1)/L0 nhuan sau thud nam N- I* 100%.

- Tang truthig Tong tat san (%) = (Tong tat san nom N — Tang tai san nam N-1)/Tang tai san nom N-1 *100%.

- Tang truing Tang ng phizi tra (1/4) = (Tang ng ph& Ira nom N— Tong nc phcii tra nam N-1)/Tong ng phcii tra nam N-1 *100%.

I Quy& Binh s6 15/2006/QD-BTC ngay 20/06/2006 ctiall6 Tai chinh.

4 hi

mAri ICO lIEN

vti --1 ;AA =OS

LionlitetPos anl; 1:GAI ■ IP.9,1 f IAN e

Phy 03/PL-QTCV

Chi so v'a' hog dOng:

- Chu ky kinh doanh:

• Se yang quay hang tan kho = Gia van hang ban/Hang tan kho binh quoin

• So yang quay cac khaan phai thu = Doanh thu thuan/Cac khoan phai thu binh quern

• ngay phai thu (KY thu tien binh quan) = 360/So yang quay the khoan phai thu binh quoin

• So ngay tan kho = 360/8 a vdng quay hang tan kho binh quoin

• Chu kj, kinh doanh (ngay) = 360/Se vdng quay hang tan kho + 360/S 'a yang quay the khaan phai thu

(S6 binh quoin dugc lay trung binh cua dau k9 + cif& Icy hoc trung binh theo qu9 neu Khach hang cung cap bao cao tai chinh theo quy).

Danh gia dugc ,mirc do quay yang von, thOi gian du nil hang trung binh, lcha nang va thin gian thu hen duce cac khohn phai thu..Truong hop chu Icy kinh doanh cna Kith hang dai hon mac trung binh, phai tim hieu va trinh bay dugc nguyen nhan the hien dac thu cua Khach hang va phai mang tinh chu dOng.

- Hieu qua:

+ Hieu qua quoin IY chi phi: Tang chi phi/Tang tai san binh quoin

+ Hieu suet sit dung tai san = Tang doanh thu/Tang tai san binh quoin

+ Hieu suet sit dung TSCD = Tang doanh thu/Nguyen gee/ TSCD binh quoin

• Chi so ve kha nang thanh 'than:

- Geri y CVKH phan tich cac chi s6 sau•

• Kha nang thanh toan ngan hqn = Tai san ngan han/(Ng ngan hqn + Ng dai hqn den han tray.

• Kha nang thanh wan nhanh = (Tian + Cac khodn phai thu ngan han)/(Ng ngan hqn + Ng dai hqn den han tray.

• Kha nang thanh todn thy thai = Tran/(Nq nem hqn + Na dai hqn clan han trci)

• Von luu clang rang = (Von CSH + ng trung, dai hqn) — Tai san dai han.

Luv y:

- Khi ap dung cong thdc tinh khd nang thanh toan ngin han to an xem xet m il the tang khoan muc trong bang tong ket tai san doanh nghiep loai be cac khoan hang cham Juan chuyen, cac khodn phai thu, tam ung kho dbl.

Ck khoan phai thu trong cOng thirc tinh , kha nang thanh toan nhanh chi tinh den cac khoan co kith nang thu h8i dugc trong ngan han.

C. Chi so quan 13"7 no.

Ty so ng = Ng phai tra/Tang ngu6n von (hoac T6ng Tai san)

Ty so nq dal han = TOng ng dai han/V6n chu sb tutu

Kha nang thanh toan ng = Lgi nhuan try& thu6 va lai/Ng phai tra

Kha nang tra no ngan han = Lqi nhuan Mr& thug va lai/Ng ngan han

PHA

6

!lentil° P 11GAN HMG 110/

Phu 4w: 03/PL-QTCV

- Kha nang thanh toan lai vay = Lai nhuan tru6c thu8 va lai/lai vay phai tra

- Don bay tai chinh = Ng phai tra/Von cha so Mu

- Lai vay/Ng vay trung binh

- Mac do, dec lap ve tai chinh: He se to tai tro. = rdn chit so haw/Tang ngudn von

d. Mot s6 lieu y khi phin tick tai chink:

Khi phan tich tinh hinh tai chinh Khach hang, CVKH cha y cac yeu to:

• Nganh ngh8 kinh doanh cna doanh nghiep;

• Nhang thay eV& len trong boat deng kinh doanh: dau tu, sap nhap, Chia tich;

• Nhang khoan muc khong thuang xuyen, khong dinh Icy;

• Thay doi trong chinh sach ke toan;

• Nhang thay del bat thuang khac.

- Tuy theo dac diem cila mOi doanh nghiep to se chit trong phan tich yell to nay hay yet, to khac. Ngoai cac khia canh tren co the , phan tich bo sung ck Ichia canh khaz de c6 the danh gia met each chinh xac nhAt ve tinh hinh tai chinh cua doanh nghiep cling nhu dg bao xu huong bien dOng. Viec di sau van phan tich cac chi so nao, tuy theo the truang hgp duel day:

• Den yeti Khach hang xin cap han mac tin dung ht.* Khach hang quan he vay von Ian dau tien , phAn phan tich tai chinh phai day da ca khia canh ye tinh hinh tai chinh cua khach hang. Sau khi da c6 han mac tin dung doge duy'et, thuang ky hang thang hoc hang qui phai cap that tinh hinh tai chinh den dial diem gAn nhAt vai mot so thong so ca ban nhu: doanh thu, lgi nhuan tree tinh, ng vay cac nen hang tai thai diem vay von , tong tai san , ton kho, phai thu, phai tra.... Khi cap lai han mac thi chi can cap nhat nhang thong tin thay doi, tinh hinh tai chinh tai thei diem gan nhat.

+ DOi vei ,Khkh hang clang co mat tin dung hoe da vay von nhieu thi nhang Ian tiep theo chi can cap nhat met so chi tiou ca ban nhu doanh sO, cac khoan phai thu, phai tra, hang ton kho va phai phan tich dugc chi tiat cac chi tiou nay phit hgp vei phuong vay von hoac phuong an san xuat kinh doanh.

+ Trueng hop Khach hang vay theo m6n, c6 phuong an kinh doanh khathi, dau vao dau ra r6 rang, nguan tra ng Ngan hang kiem sok dug; tai san bao dam có gia tri dam bao an town cho khoan vay, co s6 phap 19 day du, a xi: 19 va de Ian chuyen (cac loaf giay t6 c6 gia hoe dam bao bang tien gui tai Ngan hang Buu lien Lien Viet), thi kilo/1g can di sau vao phan phan tich tai chinh ma chi can gi6i thieu so bg cac chi tieu nay.

H. THAM DINH PHUONG AN VAY VON

Tham dinh phuong an kinh doanh, hoe Ice hoach sari xuat kinh doanh la nham danh gia Khach hang có kha nang thgc hien doge phuong an san xuat kinh doanh/ke hoach kinh doanh hay khOng, phuong thirc thge hien nhu the nao, hieu qua ra sao. Khach hang c6 tra doge ng hay kitting, cg ,nguon tra ng thgc to hay kh8ng phi,/ thuOc vao vice co thgc hien dirge phuong an san xuat kinh doanh hay khong.

Viec them dinh phuong an san xuat kinh doanh cc/ the nhu sau:

1. ThAm dinh phtrung an vay von ngin han

N

cg

7

1.1011VIOtP3S ta:AnKANG LttJr.■ ' ti

Pity lire: 03/PL-QTCV

a. Wu vie

Doi voi the phuang, an kinh doanh thuong mai: Xem xet cac yau to dau vao dirge the hien qua the hop tong, bao igia, Bien ban xet than. Tren co so ho sa do Khdch hang eung cap ket hop voi tim hieu fret .' thi twang, CVKH phai (lath gin so Luang, cluing loaf, don gia, chat Krung san phamhang hod, cliOu khoan ve thai han giao hang...va phuong thirc thanh toan cita Hop dung nham phat hien nhang dieu kien bat Igi trong hop dung de to van cho Ichach phuong an tai uu, hoac ph& hien nhting truang hop Khach hang tang/giam chi phi met each gia tao.

Doi voi the phuang an san xuat hoac thi Gong xay dung: Xem xet uy tin ctia nguai cung cap, so Wang, chat Krung caa nguyen lieu co phit hop voi y8u eau cua san pham hay 'thong, dinh mire hao phi nguyen vat lieu, phuang thirc thanh toan, thou han giao hang (dac biet doi voi the doanh nghiep gia tong).....

b. Diu ra

Doi veri the phuang an kinh doanh thuong mai:

Xem xet kha nang tieu thy tren cac phuang dinhang hod, chat Luang, gia ca so yen mat bang thi truang tai thai diem d6. Nhang twang hop Khach hang da co hop citing dau ra thi can xem xet Icy nOi dung hop Tong va hinh thirc eim hop Sing dac biet la the diOu khan ye hang hod, chat lugng, hieu lire hop dung, thai han giao hang, dieu khoan thanh than. Nhang truerng hap chua co hop dung ,dau ra, can phan tich firth hinh dot' thy mat hang do teen thi truang, tinh hinh ton kho, phuang thirc ban hang va kha nang ban hang cim Khach hang cle &nit gia kha nang tieu thy va phai dac biOt luu y phan tich k9 nhang truang hop Khach hang mai kinh doanh mat hang do, chua co kinh nghiem.

Ngoai ra, nett ban hang tra chain hoac thanh toan sau, can phan tich de uy tin ye thanh toan ctia Khach hang mua.

Doi Arai cac phuang an san xuat hoac thi Gong xay dung: Phai &nit gia kha nang t6 attic san xudt va tieu thy, hoac thi ding cita Khach hang, bao gum xem xet c6ng suat, nang hie san xuat, thi tong cua doanh nghiep; Danh gia ke hoach Nth lien do, sin xuat, thi tong; Cac chinh sach, phuang tilde ban hang tieu thy sin pham; San Itrong, doanh stilt hang cita loci san pham do hang thong cling nhu trong theti IcY truck do va du kiOn tinh hinh tieu thy trong thoi gian tai.

c. Hqu qui kinh doanh (dv tinh)

- Xem 'cot tat ca the khoan chi phi ke& ca cac chi phi c6 kha nang phat sinh a tinh toan Kai hieu qua phuang an kinh doanh, dua ra ket qua a mirc dO than trong.

Teen ca sa phan tich, danh gia dau vao, dau ra va hieu qua kinh to cua phuang an kinh doanh/k8 hoach kinh doanh so sanh voi nang lye cua Khach hang, mat bang thi twang.. CVKH nit ra nhan xet ve tinh kha thi eft phuong an/ke hoach vi hieu qua ctia phuang an. Twang hap thay phuong an kinh doanh Icheing kha thi, Miring hieu qua thi khring cho vay.

d. Xae dinh mire cho vay

Mire cho vay dOi met Khach hang, met phuang vay vOn dirge xac dinh dua teen cac yeti to la: nhu eau von cua Khach hang va cac gioi han cho vay eila Ngan hang

Nhu car vOn eita khaeh hang: Ngan hang , kitting cho Khach hang vay qua so von canthiet. Tuy nhien cling tranh cho vay so tien qua it, kh6ng dap ling du you car ye von

(

41

henIfietPostarld F43), F; ■ IANG !! L rCc

Phy lyc: 03/PL-QTCV

cda Khach hang lam anh huang den vile thgc hien phuong an kinh doanh cua Khkh hang.

Cach xac dinh nhu can von cho vay mon

Nhu cau vay von Ngan hang = Tdng nhu cau von cite' phuong an — Win lull clang to c6 va coi nhu to c6.

Trong do:

• Tdng nhu cau von cilia phuong an chinh bang so chi phi du kiln ma Khach hang phai b6 ra de thzec hien &roc phuong an do.

• Vdn lieu clang to co va coi nine to co tham gia phuang an chinh la so van ma Khach hang c6 the huy clang tie cac nguan khac de tham gia phuong an nhu von IV co, von vay ngoai hoac vay ngcin hang khac, von tra chant hoac chiem

Cach xac dinh nhu can vim a cap hat mire tin (Icing

CO the tinh nhu cau von theo mot trong hai each sau day:

+ Cach 1: Nhu cau vay von Nglin hang = Ong Chi phi kinh doanh trong kj)/VOng quay von Wu clOng du kiln hooch) — Von lieu clang to co va coi nhu to ca.

Trong do: VOng quay von lieu clang du kiln trong ky ke hooch =360/(Sd rzgay ton kho binh quan trong kY Ice hooch + so ngiry phai thu binh qucin trong Icy ke hooch)

+ Cach 2: Nhu cau vay yen Nglin hang = Nhu cau du trit binh qucin trong ky — Vdn lieu tang to co va coi nhu to co

❖ Kha Hang cho vay ctia Ngfin hang:

Theo quy dinh cua Ngan hang Nha nuoc, Ngan hang kh8ng duge phop cho mot Khach hang vay qua 15% von tkr co cua minh. Do vay, twang hgp Khdch hang coo nhu cau vay vugt qua giOi han tren thi phai mai cac to chirc tin dung khac tham gia dong tai trg, hoac uSr that dau to von. Truing hop khOng mai dirge citing tai trg hoac chug co Sr kith tra tai chinh thdc caa ngan hang dai tae thi Ngan hang chi duce pile') cam ket cho vay khong vuot qua 15% von to c6. DOng thai ding phai tuan thu cac giai han khac do Ngan hang Nha nuot quy dinh.

Ngoai ra, CVKH cho Khach hang vay theo cac giei han vii cac phan kink khach hang, nganh nghe, *rang thgc cho vay, thai han cho vay ....theo quy dinh cua Ngan hang trong timg thai kSr.

e. Nguon tra nq, thei han tra:

NguOn ,tra no chinh doanh nghiep la doanh thu ban hang, doanh thu hog ging san xuat kinh doanh (Ngan hang cho vay khong chi dga ,tren Cal san bao dam ma cho vay tren co so. phuong an san xuat kinh doanh), do vay de kiem tra kha nAng tra no cua Khach hang can xem xet:

- Neu Khach hang chin c6 hop citing dau ra: Troll co s& phucmg thirc kinh doanh cua Khkh hang, doanh so ban hang hang thang, CVKH dank gia kha nAng va then gian tieu thy hang, thai gian thu hoi von cita phuong an de can doi nguem tra nq va xac dinh thai han cho vay cho phi) hop.

- Neu da co hop ding dau ra: CVKH can cu vao thai han thgc hien hop ding, thai han thanh than tien de xac dinh nguon tra ng va thai han cho vay.

- Chu kS, kinh doanh cua khach hang,

9

ITHUI

4

Benihet S ,tANc; info r...0

Play lyc: 03/PL-QTCV

f. Xac dinh phuang thtic cho vay

Viec xac dinh dimg phuang thirc cho vay cho tong doanh nghiep se tao ra yeu to tich cvc &rip cho Khach hang thuan igi trong qua trinh giao dich va chit' clang ve tai chinh trong qua trinh san xuat kinh doanh va thuan Igi de thvc hien phuang an san xuat kinh doanh, khuyen khich chive Khach hang ye quan he vay von voi Ngan hang, Ngan hang chit Tang trong viec can dai giita ngu6n van va sir dung van.

Thy theo dac diem Khach hang, dac diem doanh nghiep, CVKH có the a xuat phuang thdc cho vay dal voi Khach hang cho phu hop:

- Cho vay theo man (cho vay tirng Ian)

- Cho vay theo han mac tin dung

Xde dinh ding tiers cho vay

- Viec xac dinh clang tiers cho vay (VND hay ngoai te) la can ett vao nhu cat' va num dich sir dung van dm tong phtrong an kinh doanh cua Khach hang (neu xem xet cap han mac thi phai xac dinh gia tri han mac theo VND, khi giai ngan tang khoan vay cu the mai xet den viec cho vay bang VND hay ngoai te).

- Khi co nhu tau vay On bang ngoai te, Khach hang phai co day dit ha so, giey to chimgminh muc dich sir dung van theo cac quy dinh v8 quan 1y ngoai h6i va cac quy djnh ye pitting thong rira tien.

2. Thant dinh phuang an cho vay trung vi dai ham

a. Danh gia tinh hop phap cita Du an, mix dich vay von; doi chieu doj trung vay On so voi chic nang san xuat, kinh doanh, hoat clang va cac quy djnh cua Phap Mat;

b. So sixth nhu tau vay von voi nhu cat' sir dung van, vein tv co, nguan va ke hoach tra ng, gia tri tai san bao dam, viec chap hanh cac giai han an town theo quy dinh;

Phan tich sv can thiet dau ttr:

- Sv pha hop dm Dv an trong quy hoach, xu the phk hien caa nganh, yang va dia phuang;

- Su can thiet mo rang quy ma va nhu cat' phat then nOi tai oda Khach hang;

- Danh gia vj tri va anh huang Oa Du an trong chitin lugc phat triers san xuat, kinh doanh caa Khach hang;

- Ve chinh sash khuyen khich va ha trg dau Ur caa Chinh phu, cac be, cac nganh, dia phuang.

d. Xem xet thi trtromg dau vao vi dau ra ctia an:

Nhu eau caa thj truerng doi voi san pham Dv an, dv doan mac gia tang cung va cau san pham trong nhftng nam tai;

KM nang canh tranh cua san pham Dv an so voi cac don vi khac trong nganh;

Tinh hinh thi twang the gi6i, gia ca, xu htrang tiou thu, xu htnang xuat khau san phAm va kha nang thi truang, san pham thay the trong ntrac;

Tinh hinh thj twang cung cap clan vao ve s6 ltrong, chat luong, gia ea, chinh sach quan ly cua Chinh

e. Xem xet lc, that va ding nghe dm Dv an:

g.

30° NGA

JNG I BU

It1 im.

10

LienViet 14.6,47: HAN IR

Phy lyc: 03/PL-QTCV

- Vi tri va mat bang &lac chgn cua Dtr an voi , cac quy dinh vo quy hoach xay Ong va kien true cua ca quan Nha nuot co tham quyen; Cac y8u to v8 dia chat, vimg lAnh the; Chi phi va thai gian can thiet c6 mat bang thgc hien Du an;

- Hinh thdc dau tu va ding suit dm Du an;

- Viec Iua chgn thiet bi, ding nghe va day chuyen cong nghe theo cac nOi dung: t kien cua ca quan chuyen nganh c6 tham quyen hoar có uy tin; Tinh long bO cua cac 60 phan trong day chuyen ding nghe mai va gicra clay chuyen tong nghe mai vai He thong thi8t bi sin c6 cua Khach hang; Tinh lien tien cua &Ong nghe va thiet hi;

- Cac y6u t6 gia ca, nguOn cung cap nguyen lieu, nhien lieu, nang lugng;

- Cac giai phap thiet Ice, xay Mpg, lap d4t, vii Dg an di phan xay dung ca ban;

- Van de chuyen giao cong nghe.

f. Xem xet viec to chtic thvc hien Dv an:

Trinh do, kinh nghiem cua don vi va ca nhan lap Du an;

KM nang chuyen mon, kinh nghiem, uy tin, nang lac thi cong va t6 chdc quan ly cua cac to chfic, ca nhan tham gia thiet Ice, thi cong;

- Cac don vi cung ting thiet bi, ding nghe;

KM nang t6 chirc quan ly Dtr an dm chn tu;

Xac dinh thai gian 66 tri von dau to va ke hoach thu hai von so veri thbi gian trong thiet ke va cac you to lien quan den tien do thgc hien Dg an;

Xem 'cot ke hoich tai chinh cua Dv an:

- Tinh chfnh xac, My du, hop 1y cua viec xac dinh cac hang attic chi phi va ding mat dau tu, dp cac dinh mac kinh - thuat, suit dau tu;

Gia thanh va chi phi san xuat, tong mac dau tu, suit dau tu so vii cac Du an ding nganh kinh to ky thuat co sai khac khong, nguy8n nhan;

Ca du tai chinh gitia cac hang /nue cilia Du an;

- Cac nguon tai chinh cho Du an: Ca can giita cac ngu6n; tinh hien thgc cua timg nguen; ty trong von vay nail hang, den do, rut von; ca cau loai tien. A

h. Xem xet hieu qui dm Dv an:

- Hieu qua tai chinh San luong, doanh thu, chi phi, thbi gian khau hao, thai gian hoan von, ty suit lqi nhuan (IRR), gia tri hien tai rung (NPV) va cac chi tiou tai chinh khk;

- Hieu qua kinh to - xd hOi, an ninh, quk phbng va hieu qua lchk.

i. Xem xet ngutin tien tra nq, Ice hoach tra

- Xac dinh ngu6n tien tra nq to DI; an (ngu6n tien to hoat do, ng san xuat, kinh doanh, to hoat (tong dau to va tir -hoat do, ng tai chfnh);

- Tinh man, xac dinh lai cac nguan thu khac cua Khach hang co the dung de tra no: Ket hop giita viec tinh toan ket qua kinh doanh, lgi nhuan cua Man 60 hoat dOng san xuat, kinh doanh, dich vu cua Khach hang vai phan tich dung tien de xay Mpg ke hoach thu nq va dinh ky han no pith hqp;

Xac dinh mdc cho vay, loaf tien cho vay, Lai suit cho vay, phi cho vay, thai han cho vay, Med gian an han, dinh ky han ng goc, Ili;

g.

oa N Hi

JDII

V

11

LienleietPa51.11a4 li Phis lye: 03/PL-QTCV

- Xac dinh cac kha nang , bien phap quan 19, kiem soot ctia Ngan hang doi voi nguen tra ng cua Khach hang.

Phan tich do, nhay caa Do an a do kien nhang thay doi anh huong den doanh thu, chi phi, Igi nhuan, thOi gian hohn von; do bao va de xuat cac bien phap ph6ng nem rid ro.

HI. Thim dinh Tit sin bao dam:

Thoc hien theo quy che, quy dinh, Inning clan cua Ngan hang lien quan den TSBD.

IV. Dinh gia byi ich, rui ro tiem An Ira a xuit bien phip kith phut 1. CVKH thoc hien clanh gia lgi ich cua phuong an (du an) vay von, phan tich cac raj ro

tiem an lien quan den quyet dinh cho vay von &Si voi Khach hang (neu co). NOi dung danh gia va phan deb c6 the dugs long ghop khi phan tich cac khoan muc hoc dua vao muc rieng.

2. Tay theo ddc diem cac khoan vay, cac Khach hang khac nhau, CVKH c6 the lien hanh phan tich theo gqi y tai muc 4 va muc 5 Phan nay.

3. Sau khi do bao va phan tich kha ning rui ro, CVKH de xuAt cac bien phap phOng ngira va han che rui ro.

4. MOt so gqi y CVKH danh gia lgi ich cua phuong an (do an) vay von, nhung Igi ich mang lai tar viec cap tin dung cho Khach hang:

Dich IN Doanh s6 Doanh WO binh

quin/kk (thang/qq/nAm...)

Lii/Phi % sir dung han mire

Cho vay

Giao dich tien girl (TKTT, Hop (Mug tien gai..)

L/C, D/A, D/P, TT

Ngoai hOi

Dich vu khac

Tong c 'Ong

Nhin xet:

- Lgi nhuan do khoan vay mang lai (lai suit, phi lien quan den khoan vay...)

- Lqi ich tit viec duy tri cac khoan tien giri hien hanh, khuyen khich cac giao dich tien gui tiem nang trong trong lai;

- Lgi ich tit thu phi khi Khach sir dung dich vu Ngan hang;

- Cac lgi ich

5. MOt s6 van a gqi y CVKH do bdo va phan tich kha 'tang rui ro:

- Thay dot loaf hinh Doanh nghiep, thay dot chu va tinh chAt so him;

- Thay doi ngueri dieu hanh hodc b0 may quan 19: Ngueti quan 19 sari xuAt kink doanh khong trung thoc; Nhang van gia dinh anh huOng den cong viec sin xuat kinh doanh;

12

J.

;L;

kNG a6P

NP

Uf

henIfietP astgordc r;;;An MANI Lo..U4 .4 { ,4!fi:N'tir

Ph 03/PL-QTCV

Thay doi mo hinh to chic, nganh ngh8 san xuat kinh doanh;

- Rid ro Ii8n den tinh hinh san xuat kinh doanh; Phuong an (Du an) vay von:

+ Ma rang san xuat kinh doanh qua mut hoac san xuat kinh doanh phan tan;

+ Le thuec vao met thi trtnang duy nhAt.

+ 'Chang thOng hieu thi trueng.

Thi truang ce nhieu nguoi tham gia lam an canh tank

Thi trueng thay del bAt igi.

+ Dia diem san xuat kinh doanh kheng thuan tien.

+ Nguyen vat lieu khong ctly du hoac ten kho qua nhu clu. + Chi phi du: an cao.

Rui ro lien quan Ten tinh hinh tai chinh, tai san: Sir dung cac nguan bre sai muc Bich, kh6ng nham mac ti8u san xuat kinh doanh; Kb:it:1g tack bach nhung khoan chi tieu san xuat kinh doanh va chi fiat ca nhan.

Rai ro ve tai san bao dam tien vay;

- Cat nli ro khac.

HAN

13

Phy 04/PL-QTCV

enet

PHV LUC 04

HVONG DAN THAM DINH CHO VAY KHACH HANG CA NHAN

1. Thant dinh tinh phip 1377 cua Khach hang

Can cu vao nhitng ha so da thu thap dirge, CVKH se tien hanh than dinh va phin tich ve to each va nhan than Khach hang:

Xac nhan, xac thvc Khdeh hang vay vein, bang viec tiep chieu trim tiep gbh h6 so cung cap vai thirc tE. That hien kiem tra cac yeu to ten 116 so a dam bao tinh d8ng nhat Nth de tranh truemg hgp lam gia, sera chaa h6 so.

Danh gid rang We hanh vi dan sir va nang lire phap luat dm. Khach hang;

Tham dinh hoan canh xuat than, qua trinh hoat dOng, cong tac, vi tri va quan he xa hOi cua Khach hang;

Nhan )(Et ve sue khoe, kha nang lam viec, mei quan he giita cac thanh vien gia dinh Khach hang vay von;

Danh gia tir each Khdch hang ten phuong dien: trinh do, hoc , van, chuyen m6n, tdia nang quan 19, quan diem ca nhan ye met so linh we chinh; kien thirc Nth kinh nghiem trong linh vim c6 lien quan den viec sir dung tien vay;

Danh gia sir hieu Wet phap luat, 9 that chap hanh phap luat, nhan thirc ye trash nhiem cua Khach hang, tinh than hop Mc voi CVKH de hoan thien cac thu tuc vay von theo quy dinh ena Ngan hang nha nem va cim Ngan hang;

Tim hieu nhang kinh nghiem cong Mc, nhung thanh tich dat dirge, nhang thanh cong, that bai cua Khach hang;

Danh gid ve uy tin cim Khach hang, du Juan tai not cong tae va cu tria khi c/anh gid ve Khach hang.

2. Tinh hinh quan he vai cac to chat tin dung

Kim tra thong tin tin dung (CIC) ve lich sir quan he tin dung caa Khach hang, caa ngu&i citing trach nhiem (vg/thong), elm the doanh nghiep ma Khdch hang clang chit ser hifu von (lim y doi voi cac doanh nghiep ma ngtion tra no tir lgi nhuan hoac có tire tir .cac doanh nghiep d6) tai cac TO chile tin dung khac va tai Ngan hang. Ngoai ra, cO the tham khao cac th6ng tin to the ngu8n khdc a fling cao do tin cay eim ket qua tham

Trong twang hgp th6ng tin tir CIC cho biet Khdch hang hoac ngueri dang tract' nhiem (vg/thong) Khach hang hoac doanh nghiep g6p von co no tir nh6m 2 (theo quy dinh phan loai cua Ngan hang nha mite) trO len, CVKH can phai de nghi Khach hang giai trinh ve nguyen nhan, bien phdp khac phut phan no qua han nay.

Neu chung tir giai trinh h9p 19, khach quan thi CVKH tiep tut nhan ha so dm Khach hang va thus hien tham dinh nhu met mOn vay thong thirOng.

Neu Khach hang kh6ng giai thich dirge hoac nguyen nhan qua han la do sir chay ST, kh6ng tra dirge ng, hoac do doanh nghiep gOp von lam An thua 18 thi c6 the bao cao Lanh dao a to choi khoan vay nay.

LtenetPost San tit k(7 R046 t:IPJ flLICN ‘` ,C

3. Thim dinh ngtoin tra na

a. Thini dinh ngulin thu nhip tir hong va cac khoin theo lining

Hop ding lao clOng: thuang khong not rO mire thu nhap Khach hang duct huang mot thang, hok co nOi tad nhung hop ding Lao ding c6 the clugc k9 ckh day nhieu nam nen khong phan anh dimg thu nhap thyc te. Trong twang hap nay, thu nhap thoc to can duce xac nhan them th6ng qua: xac nhan luang ctia don vi Lao cling; hoac bang Luang k/ nhan luong hang thang tai don vi lao Ong; hoac so phy Ngan hang truing hop luong cua ngtrai lao cling clugc tra qua tai khoan cua ngan hang.

So pho (sao Ice tai khoan) ngan hang (toi thieu 03 thang gan nhat): day la hi so c6 mire di tin clay cao va chung minh duce luong, thu nhap tir luong thus to ctla Khach hang.

Xac nhan luong hok bang !trans nhan hang thang tai don vi Lao Ong (tii thieu 03 thang gan nhat). Tuy nhien, ngu6n thu nhap nay c6 di tin cay thap, dac biet voi cac cong ty nhO.

Do do, trong qua trinh tham dinh CVKH can xac dinh tinh hop 1/ cac khok thu nhap tit luong cua Khach hang so sanh voi mat Luang binh quan cua cac cong viec co tinh chat tuong tir tai cac doanh nghiep, t'6 chic khac.

b. Thim dinh nguon thu nhip tir khai that tai san hien co

Nguin thu ta: cho thud bat ding san (cho thud nha, dat, dm hang, kho, nha xuang...)

• Trong truing hop nay viec cho thud throe the hien ngay ten hop ding cho thud. Kiem tra thyc to thong qua Internet, phuong tien thong tin dai chung hok gap ger true tiep Khach hang, di ki8m tra thuc to tai cac dia diem Kith hang cho thud. Viec co nguai sinh song, hang quan bay ban, hien hieu Gong ty, hoat ding san xuat kinh doanh tai nha xuang la mot trong nhimg bang chimg xac thyc that cho thay viec cung cap th6ng tin dm Khach hang la dung. Song song vai qua trinh tham dinh, ghi chap tren hi so, CVKH thoc hien viec chip anh 1)6 sung de tang tinh thuyet phut.

• Thu nhap hang thang tir khai thk tai san hien cos &roc the hien trong gia cua viec cho thud quy dinh trong hop ding. CVKH xac dinh thu nhap nay tir dieu khoan gia ca tai hop ding thug. Phai tim hieu thong tin gia cho thud tai san tuong to teen dia ban, qua cac phuong tien th6ng tin dai chUng, Internet... so sanh vai gid cho thud teen hop ding do clanh gid mire do, phi! hop.

Cho thug Ong san (cho thud 6t6, may moc, thiet hi ...)

Cho thug ding san hien nay la mot hinh thic tuong dii phi hien to nen nguOn thu cua Khach hang. Tuong ty nhu cho thud bat ding san, hop dOng cho thud la chirng tit the hien &roc nguon thu nhap cua Mach hang.

• CVKH can tham dinh ya xac dinh sir tin tai cua doanh nghiep, to chic thud ding san va viec thud ding san la hop lyt. BSI gia mac gia cho thug co hop I/ hay kitting thing qua viec tham khao gia tir nhieu nguOn nhir: Tham khao thoc to gia cho thug tren thi throng qua mOi quan he, cac ding ty, chuyen cho thue , ding san, phuong tien th6ng tin dai chung, Internet, hoac c6 the tham khao / kien cua cac nguon thong tin khac co lien quan.

Ban tai san hien c6: Nguin tra no chinh cita Khach hang la tir viec ban tai san hien co thi CVKH can tham dinh va phan tich mot cach toan dien cac van de:

2

lienVietPostRan 04,0 I) if I.: i, ( 1,4

• TIM so huu tai san caa Khach hang: dirge th6ng qua cac he sa yeti cau cung cap cluing minh ve viec quyen so. Mu, dinh dog tai san, nhang 118 so nay nhat thi8t phai duce del chieu vii ban wk. Truong hgp tai san kh6ng thuOc sa huu ctia. Kith hang nhung thuOc se Mu cua nguai co lien quan, quan he gan gill (bo, me, con cay can phai c6 van ban chang minh Khach hang dugc thy huang Wan be/ met phan tien ban tai san.

• Gia tri cua tai san: Tham khao gia tri cua nhang tai san do tr8n thi twang Mac qua phuong tien thong tin dai clving, Internet, hoac y kien cua the pheng ban co lien quan.

• KM nang chuyen nhugng tai san trong tuong lai: viec danh gia kha nang nay dirge dtra ten th8ng tin thi trueng va qua Mc phuong tien thong tin dai Chung, Internet, tham khao y kien cua chuyen gia...

c. ThAm dinh thu nhAp tir host Ong kinh doanh

Gap yen, thanh vien sang lap doanh nghiep

• Truang hgp Kith hang cung cep Quyet dinh be nhiem, hgp deng lao dOng, bang CVKH tien hanh tham dinh tuong ty nhu tiet a myc 3 cita htreng can

nay.

• Tren thyc to vi Khach hang la nguei g6p von, sang lap, tham gia quail 19 dieu hanh doanh nghiep nen ngoai lucmg hang thing Khach hang con dugc nhan thu nhap tir nguOn lgi nhuan hoat Ong kinh doanh cua cong ty. Vi the CVKH phai phan tich tinh hinh tai chinh va hog dOng cua doanh nghiep thong qua the bao cao tai chinh, hop d8ng dau vao dau ra Khach hang da cung cap. Qua 46 CVKH se danh gia ket qua hoat dOng kinh doanh, kha nang plat triOn cua doanh nghiep, tir do danh gia dugc sir On dinh ctia doanh nghiep va thu nhap cua Khdch hang. Trong trueng hop nay can a bier l nt y dOng tien elm doanh nghiep ding nhu chinh sash phan phoi lgi nhuan/tam ang gla doanh nghiep.

HO kinh doanh ca the

• De xac dinh hieu qua kinh doanh cua Khach hang, CVKH tap trung vao se theo doi ban hang, so xutt nhap hang hang ngay. Can cu nhang ghi chap eua Khach hang, CVKH Ong gop va tinh town doanh thu ban hang tOi thieu 03 thing gan nhat. Kot hop vii tham dinh true tiep Khach hang, CVKH se xac dinh Igi nhuan tit hoat dOng kinh doanh cua Khach hang va xac dinh mac thu nhap hang thing Khach hang co kha nang tra nq. So sanh ty suit Igi nhuan teen doanh thu cua Khach hang vii cac Khach hang/nhem Khach hang co cling dieu kien kinh doanh.

• Met each del) can khac de xac dinh thu nhap ctia Khach hang la th6ng qua danh gia cac yeu to dau vao va hang ten kho a so sanh vii doanh thu tu ke khai cua Khach hang.

d. Thim dinh cac nguon thu nhAp khac

Thy thuOc van nguOn g6c cac nguOn thu nhap cu the ma Khach hang can cung cap cat he so tai lieu de chYng minh tinh hgp 19.

e. Met so lint y trong than' dinh ngutin tra

- Xem xet mut c/0 on dinh, dau clan cua thu nhap;

- Xem xet thu nhap co phir hop vii phan ky tra nq hay khemg;

LientrietPustRalth NIAirtUANG IPALH:q ie L tcrvti.,

- D6i vai ck thu nhAp khOng cung cap du chirng tfr cluing minh, CVKH tham dinh tinh xac thuc cda ichoan thu nhAp, tity vao ck tinh hu6ng cu the de xem xet quyet dinh ghi nhAn hay khong ghi nhAn khoan thu nhAp ctia Khach hang.

4. Thim dinh phtrung an vay von Can cu theo phtrang an vay van, CVKH se thtm hien thAm dinh phuong an vay van. Mgc dich vay von phai dam ban tinh hop le, hop phap, khong cho vay vat nhang mvc (Bch chi tra cho heat Ong bi phap Mat cam.

a. Myc dich vay yen: Xac dinh tinh chan thuc, can thiet va hop ly ctia a nghi vay von, ca ser phap ly (neu co).

b. Ve phtrang an vay

D6i vai nhu cau vay von kinh doanh, CVKH xem xet cac yez u to

• Ky this, cong ngh6;

• Dalt vao (nguan cung cap nguyen, nhien, vat Ru...), dau ra (ncri va kha nang tieu thu san pham, dich vv..);

• Hieu qua kinh (6 du tinh;

• Nhu cau T6ng nhu cau von cua Phuong an (Du an), von to ca va von huy do, ng khdc tham gia Phuang an (Dv an), se von a nghi vay.

D6i veri nhu eau vay von dell ditng, CVKH chi can xem xet Tong nhu cau van ctia Phuang an (Du an), von tcr có Ad von huy do, ng khac tham gia Phuang an (Du an), so von de nghi vay.

c. Thiri h3n vay

- Xac dinh thOri han vay theo mac dich sir dung;

- Xac dinh thai han cho vay theo nguen tra no On dinh.

d. Nguen tra Duce huong an chi tiet tai mpc thAm dinh ngulm tra no.

e. Lai suit cho vay: Mirc lai suit dp dung d6i voi Khach hang theo lai suit cho vay tang thai ky cua Ngan hang (can cu theo he thong xep hang tin dung nei cita Ngan hang, cac chinh sach vu dai) va dinh twang dm Don vi kinh doanh.

Nhqn xet ve tinh kith thi, hieu qua, kiwi mang thu hai yin vay flung han 641 vai Phtrang an vd dun ra kit Juan.

5. Tii san bio dam (Dtrqc thtyc hien theo huong dAn dinh gii tai san bio dim).

6. Dinh gii lyri ich, rid ro, Men phip han the

- Danh gid ve nhithg Igi ich mang lai tit viec cap tin dung cho Khach hang:

Dich vu A Doanh so Doanh sift binh

quan/ky Lai/Phi h3n mire

% stir dyng

Cho vay

Giao dich Veil gin (TKTT/TK tiet

.11

DenVietPo stOar:c rvur,IN U.7 X 47

kiem...)

Ngoai heti

Dich vv khac

Tong cong

- NI* xet:

• Lai nhuan do khoan vay mang lei (lei suet, phi lien quan din khoan vay...);

• Lai ich tir viec duy tri cat khoan lien giri hien hanh, khuyen khich ck giao dich tien gui tiem nang trong Wong lai;

• Lai ich tir thu phi khi Khach sir citing dich vu Ngan hang;

• Cac lai ich khdc...

Du bao va phan tich kha nang rui ro:

• ro lien quan an tinh hinh san xuet kinh doanh;

• Riti ro lien quan den Phuong an (Du an) vay yen;

• ro lien quan den tinh hinh tai chinh, tai san;

+ Rui ro ve tai san bao dam;

+ Cac rui ro khac

De xuAt cac bien phap pheng ngfra, hen the tti ro.

5

DenifietPosi 41:k tro.i rq !A I IEN VAC

Phy htc: 05/PL-QTCV

PHV LUC 05

HirONG DAN KIEM TRA THAM guy& NGDOT DAI DIEN CUA KHACH HANG KI KET CAC HOP DOING, VAN BAN VOL NGAN HANG

1. Nguti dai dien hop phap cfia Khach hang ky ket cac Hop dling tin dung va Khe trot nhan nip

1.1. Nguai dai dien hop phap cua Khach hang ky ket cac Hop deng tin dung va Khe uoc nhan no bao

Nguai dai dien theo Phap luat;

Nguai dai dien theo u9 quyen.

1.2. Nguti dai dien theo Phap luat duct xac dinh theo quy dinh cua phap luat, diet' le, giAy chirng nhan dang ky doanh nghiep, va IA mot trong nhfing ngueri sau:

Doi voi Ging ty (Doanh nghiep) nha mite: Tong Gam doc (Giam

- Doi voi Ngan hang thirong mai co phan: T6ng Giam doe (Giam doe) hoac Chu tich Wei (tong Quan tri hoac Chu tich HOi dong thAnh vien.

Doi voi Cong ty TNHH, hai thanh vien tit len: tich HOi Hong thAnh vien hoac Tong Giam doc (Giam doe).

- yeti C6ng ty TNHH met thanh vien: Chu tich Hoi ding thanh vien hoac Cho tich ang ty hoac Tong Giant dOc (Giam dOc).

Doi voi Cong ty c6 phew Chit tich 140i deng Quan tri hoac Tong Giam d6c (Gam Mc).

Doi voi Cong ty hop danh: CIM tich HOi d6ng Thanh vien, Tang Giam d6c (Giam d8c), thanh vien hop danh khk.

Doi voi Doanh nghiep to nhan: Chit Doanh nghiep.

D6i \lei Hop tac xa: Throng Ban Quart tri hok Chu nhiem.

Doi v6i HO kinh doanh: Nguai dung ten giAy clang ky kinh doanh.

voi T6 hop tae: 16 throng.

- DO1 vei HO gia dinh: Chu A Doi cac Phap nhan khac khong SIM la doanh nghiep: Giam doc, Chu rich, Bi thu,

Thii truOng ca quan, don vi (duce quy dinh trong Quyet dinh thanh lap hoac trong Dieu le, Quy ch .& t6 chirc cua Phap nhan).

1.3. Nguai dai dien theo uY quyen: Nhang ngueri dai dien theo Phap luat cho cac Khach hang la Doanh nghiep, Phap nhan co the uy quyen cho Ph6 Chit tich, Pho Tong Giam doc, Giam doe, Ph6 Giam doe hoac nhi -mg ngueri khdc thay minh thus hien nhiem vu dai dien.

1.4. Nguti dai dien theo Phap luat cua Doanh nghiep va he kinh doanh dirge ghi ten Giay chting nhan dang k9 doanh nghiep. Trong truemg hop Dieu le cua Doanh nghiep khong quy dinh r5 ye nguai dai dien theo Phap luat, thi Dan vi cho vay can dr van Giay chimg nhan clang k9 doanh nghiep de xac dinh Nguai dai dien theo Phap luat cita Doanh nghiep.

048

,r4Ha .0 1 ul191

vH

1

15. Nguai dai dien hop phap phai ky eh& kY tuoi vao tat ca the ban Hop ding va Khe vac nhan no (k8 ca van ban sira dOi, 66 sung) clang dau vao ch& Icy va clang clau(neueo)giap hi.

2. Cic Hop clang tin dung phai (Nye cac cap co than' quell cua Khach hang thong qua:

2.1. D6i Arai Khach hang IA Ging ty NM Nnuot:

Trong pham vi he só no phai tra tren von dieu le tha ding ty khong \um qua 3 tan thi HO ding Quan tri quyet dinh hoac phan cap cho T6ng Giam doe quyet dinh cac hop ding vay \mot qua mire von dieu le dm tong ty. Twang hop HOi ding Quan tri phan cap cho Tong Giam doe (Giam dOe) quyet dinh, thi mire phan cap co the phai ghi trong Dieu le va Quy che tai chinh mia ding ty Nha Nude;

Dai dien chil so hau cong ty nha um:re (BO quan ly nganh, ea quan ngang BO, ca quan thuOc Chinh Hy ban nhan dan tinh, thanh phi true thuOc Trung quyet dinh viec vay von &I vai trueng hop: cong ty c6 nhu tau vay von vuo:t qua 3 Ian von dieu le heat phuong an huy dOng von co gia tri lon hon von dieu le citii vii ding ty khong co Hei ding Quan

2.2. Dal voi Khach hang la the C6ng tyhoat do, ng theo Lust Doanh nghiep:

- HOi ding Thanh vien (del vai C6ng ty TNHH hai thanh vien tri len), thong qua Hop ding tin dung co gia tri bang hoac Ion hon 50% tong gia tri tai san dirge ghi trong bao cao tai chinh gan nhat cua ding ty hoSe ty khac nh6 hon quy dinh tai Dieulecongty;

- Chu se hau C6ng ty la to chin (d6i vai C6ng ty TNHH met thanh vien) thong qua Hop ding tin dung co gia tri bang hoac Ion hon 50% tong gid tri tai san dirge ghi trong bao cao tai chinh gin nhat cua ding ty hoac mot ty le khac nh6 hon quy dinh tai Dieu le ding ty;

Chu se him C6ng ty IA ca nhan (doi vai Cong ty TNHH mot thanh vien) th6ng qua cac Hop ding tin dung trong truing hop Cho so him Cong ty khong ang thei la nguoi dai dien theo Phap luSt cua Cong ty;

, - HOi ding Quan tri (dbi Cong ty co phan) thong qua Hop ding tin dung co gia tri

bang hoac lon hon 50% tong gia tri tai san doge ghi trong ban cao tai chinh gin nhat via cong ty hoac ty le khac nh6 hon dirge quy dinh tai Dieu le ding ty;

Hoi ding Thanh vien (c161 vii Cong ty hop danh), th6ng qua Hop ding tin ding co gia tri bang hoac Ion hon 50% von dieu le dila cong ty, trir truing hop Dieu le cong ty quy dinh mot ty le khac cao hon.

- Khach hang IA hop the xa, doanh nghiep co von dam to nude ngoai va the doanh nghiep, Phap nhan khac: Viec thong qua I-19p ding tin dung dirge Moe hien theo quy dinh c6 lien quan cua Phdp Mat va Dieu le cua doanh nghiep, phap nhan.

DefillietPUtiLVM !WA" ?MC: LIEN

Pity lye: 06/PL-QTCV

PHIJ LVC 06

HU'ONG DAN KIEM TRA, QUAN LY DOANH THU/DONG TIEN KHACH HANG CHUYEN VE NGAN HANG

Nham dam bao Wong tac bao cao Ara giam sat Khach hang dugc Ngan hang Buu lien Lien Viet (Ngan hang) cap tin dung thyc hien cam ket chuyen doanh thu/dOng tien (clang flan) ve Ngan hang, trong qua trinh thyc hien cho vay doi voi Khach hang, Dan vi kinh doanh co trach nhiem kiem tra, quan 132 d6ng khkh hang ehuyen ve Ngan hang vai not dung eu the saw

1. Quy dinh ve (long tien chuyen ve Ngan hang:

La toan b0 &Mg flan phai sinh CO the hien tren tai khoan cOa Khach hang tai Ngan hang Buu Dien Li8n Viet bao g6m:

Doanh thu chuyen v& tai khoan cua Khach hang tai Ngan hang (ngueyi chuyen tien la cac cac b6n phai thanh toan cua Khach hang: ngtrai mua, dai 19...);

Cac khoan tien Ichac chuyEn ye tai khoan cua Khach hang.

2. Phtromg that kiem tra, giant sat thing teen:

Can dr vao tinh hinh hoot dOng sari xuAt kink doanh cua Kith hang, Dan vi kinh doanh co trach nhiem dam phan voi Khach hang so tien chuyen ye Ngan hang cu the trong 1 nam, 1 quy phu hop vai dac diem kinh doanh cua Kith hang. Ke hoach chuyen tien cua Khach hang ve Ngan hang chrge lap theo mAu so tai Bang so 01 da phu lye nay la *It phan caa to trinh tham dinh cho vay va &rye luu ding ho so vay von.

Dinh ky 03 thang/lart, can dr vao kA hoach chuyen tien ve Ngan hang cu the trong nam, trong quy elm Khach hang, Dan vi kinh doanh e6 trach nhiem time hien kiem tra giam sat viec Khach hang chuyen dOng tien ve Ngan hang va nOi dung kiem tra cila Don vi kinh doanh phai dirge the hien trong bien ban kiem tra dinh 1c9 Bach hang vao cu6i m81 k9 kiem tra.

Viec kiem tra dieu kien phe duyet chuyen d6ng den v8 Ngan hang del voi Khach hang phai the hien:

✓ SO tien phai chuyen ve trong ky theo phe duyet;

✓ SO tien da chuyen ve ten phat sinh co tai khoan oda Khach hang;

✓ T9 le tien chuyen ve ten phat sinh co/S6 tien phai chuyen ve trong 1c9 theo phe duyet;

✓ Bien do, ng doanh thu va phtrcrng phap ghi nhan doanh thu trong he thong Ice toan cda khkh hang trong ky;

✓ Nguyen nhan, 19 do khach hang kh6ng thvc hien chuyen tien hoc chuyen clOng tien khong du ve Ngan hang Buu Dien Lien Viet theo quy dinh.

Can cu k& qua kiem tra the hien tai bien ban kiem tra dinh ky Khach hang, Dan vi kinh doanh co trach nhiem tap hop vied thvc hien giam sat cam ket chuyen clong tien ctia Khach hang theo mau tai Bang s6 02 cUa Phu lye nay va giri ve Khdi Phat then mang Ivoi va Quan l9 Doanh nghiep cham nhat vao ngay 15 elm thang tiep theo.

3. Quy dinh ve bang bleu kiem tra

1

V

ftenvietr est:anti Nriki rIANO Wu U-4 ,4LIC^.`,311

Bang so 1

KE HOACH HONG TIEN DU MEN CUA KHACH

Deng tien cam ket chuyen ve trong

dam (*)

Deng tien chuyen ye 'hart be cho cac quY

. z Deng be n cam ket chuyen ye trong quY I

.1 h Deng en cam ket chuyen ve trong quY 2

. A h Deng en cam ket chuyen we trong quY 3

. A Deng en cam b ket chuyen ye trong quy 4

Bang se 2

PHIJ LUC THEO DOI CAM KET CHUYEN DOANH THU/DONG TIEN VE

NGAN HANG BUU DIEN LIEN WET CUA KHACH HANG....

Deng tien cam ket z 1 chuyen Ye trong n5m

Deng tien chuyen v'e trong 03 thing lien ke yeri thing kiem tra

Deng tien chuyen ve ley lie cac len kiem tra

Cam ket chuyen ve

Thiec to chuyen

ye

TS' trong

Cam ket chuyen ye

nitre to chuyen ye

TS' tiling

Lk do:, ve trong 03 thing kh6ng hoan thanh:

khOng hoan thanh: - D6ng tien chuyen - Deng tien lily Ice

Dai (lien Ben Khach hang (kg ghi ro hp ten, (long dein)

Hai then Ben Nein hang Chuyen yien KH Lanh dao PICH/PGD

2

DenVietPostilai Phy 07/PL-QTCV

PHI; LIJC 07 HO SO TAI THAM DINH

Sau khi, tham dinh cac h6 so vuot quyen pilau quyet cfm. DVKD theo quy dinh, Kh6i ThAm dinh h6 sa tai thAm dinh (giri true tiep hoc email) cho cAp phe duyet ROL set bao g6m:

1. Tb trinh tham dinh cua DVKD theo mh quy dinh.

2. Bien ban hop Ban tin dung ctia DVKD theo mAu quy dinh.

3. Bao cao thAm dinh dm PhOng ThAm

4. Bao cao tham dinh gia (neu co).

5. Phieu phe duyet cAp tin dung.

6. Cac tai lieu Idiac (net' can thiet).

1

V

HM11[161[303' tI Nr:ati !Wei 'VP:P.4'UL

Mtiu 01/QTCV

NGAN HANG THUDNG MAI CO PHAN CQNG HOA XA HQI CHU NGII1A VIET NAM BUU HIEN LIEN VIET DOc Iap - Tv do - lignh pink

, ngay thang rain

HUONG DAN CHUAN 131/CUNG CAP HO SO VAY VON

Kinh gen: -Ong ty.....h0e - ng(bA)...

Ngan hang TMCP Buu Dien Lien Viet (LienvietPostBank) tran treng cam an su quan tam hop tac can Qu9 &ling ty/Ong (ba) toi cac dich vu cna LienvietPostBank.

De c6 the dap ting nhu cAu vay vein can. Qu9 Ong ty/Ong/Ba voi chAt Meng tot nhAt, Qu9 C6ng ty/Ong/Ba... vui 'Ong chuan bi the he sa theo danh time duei day:

1. HO scr phap

2. HO sa tai chinh

3. HO sa vay von

4. HO sa tai san It dam

5. HO sa khan

Mei kilo khan, vuong mac xin Qu9 Ichach vui long lien he:

Ngan hang TMCP But Dien Lien Viet — Chi nhanh

- Chuyen vien Khach hang .

- Dien thoai• Email

Tran treng cam an sir hop tac cua Qu9 Khach hang!

T/L. Giant dific Truivng Phong Khich hing

(K); ten vet (long ddu)

LieninetPos

Luny:

Khi lap huong dan ha sa gUi Khach hang, tiling loci ha sa CVKH phai ghi cu the so ban

can cung cap, ban cung cap la ban chinh hay ban sao ding chimg hay ban sao y hay ban

theo mau Ngan hang.

Vi d9: Vol Khkh hang Doanh nghiep

1. Ilia' sa phi') IS/

♦ Bang 147 kinh doanh (02 kin sao cling ehd.ng).

♦ Dieu le doanh nghiep (01 ban sao).

♦ CMND cua Giam cl6c, Ke toan truang (neu co) (01 ban sao)

♦ Bien ban hop hOi clang thanh vien (01 bdn ehinh theo tau art LienVietPosiBank)

•

2

nIfletP0 stE RAN° wAr !IOC', V* 7

02/OTCV

CQNG HOA XA HQI CHU NGHIA VIV,T NAM 14) - Tn. do - Hank pink ***

6-TAY BE NGHI VAY VON

(Danh cho Khach hang Doanh nghtep)

Kinh gui : Ngan hang TMCP Buu Dien Lien Viet (LienVietPostBank)

Chi nhanh

Chting t&i IL

Ten doanh nghiep•

Gidy CNDKDN sa• do cap ngay / /

Dia chi au sa

- Dien thoai: - Fax: - Dai dien: - Chac

Giay CMND s6 do cap ngay / /

De nghi Ngan hang cho toi/chting t8i vay vein val cac n8i dung nhtr sau:

1. So tien:

(Bang chit

2. Muc dich sir dung tien vay.

3. Thai han vay: ke to ngay nhan tien vay Ian dau. 4. Lai suat vay:

5. Phuong thdc va tai sari bao dam tien vay:

6. Cat nOi dung khae: Theo Phuong an vay von-tra ng va HO sa girl kern.

Chang toi xin cam kit:

1. Chap nhan cac quy dinh ve cho vay va bao dam tien vay cita Phap It* va cua LienVietPostBank;

2. Sir dung tien vay dung ante &eh va tao dieu kien a Quy Ngan hang kiem tra viec sir dung tien vay;

3. Tra no g6c va Idi tien vay day dit, dung han;

4. ChM trach nhiem ve str chinh xac va trung that cita the Ha so do chUng toi girl cho Quy Ngan hang.

, ngay (hang Win? 20 DA! DIEN DOANH NGH4P

va ghi re5 ho ten)

1

30 ,

ANI IM 1E

iN

;t7:

It

nealetPOSThaillt ti;:*0 447:Cr tif

Mita 03/OTCV

CQNG HOA XA HOI CHU NGHIA VIET NAM Dcic lap - Tv do - Hanh philc ***

GUY DE NGID VAY VON (Minh cho Kheich hang Ca nhan)

Kinh Ngan hang TMCP Bun Dien Lien Viet (LienVietPostBank)

Chi nhanh

Toi/chimg Col la:

H9 va ten.

Gil)/ CMND se do x cap ngay

HO khan thuong

Dia chi hien mi.

Dien thoai nha rieng: Dien thoai di ging:

fle nghi Ngfin hang cho toi/chling toi vay von v6i cac n(li dung nhtr sau:

1. So tien.

(Bang chit

2. Muc dich sir dung tien-vay.

3. Thai han vay: ke tir ngay then tien vay lan tau. Ipl

4. Lai suit vay: IC

5. Phuong thirc va tai san bao dam tien vay: )IE i

6. Cac not dung khac: Theo Phuong an vay von-tra no va Ha so giri kern. VI

Chang toi xin cam kit:

1. Chap nhAn cac guy dinh ve cho vay va bao dam tien vay ctia Phap luAt va cua LienVietPostBank;

2. Sir dung tien vay dung muc dich va too dieu kien de Quy Ngan hang kiem tra viec sir dung tien vay;

3. Tra no gec va lai tien vay day di', thing han;

4. Chiu trach nhiem ye sy chinh xdc va trung dux cda cac H6 so do chi:mg toi gui cho Quy NgAn hang.

, ngay thong nom 20 NGUOI DE NGH1 VAY

(Ay, va ghi hp ten)

InniffetPOSS N• iki HANG WC ➢ {Utit

Miu: 04/OTCV

CQNG HOA XA MN CHU NGHIA VIET NAM Dec lip - Tv do - Hanh phtie *3+-*

WOW PHU'ONG AN VAY VON VA TRA NO

(Kern theo Gay di ugh( vay von ngtiy J. .120

Kinh gui : Nan hang TMCP Buu dien Li8n Viet (LienVietPostBank)

Chi nhanh

I. Phircrng an (Dv an) san xuAt, kinh doanh:

1. Gi6i thieu n'ei dung Phircrng an (Dv an):

Ten Phuong an (Dy. an):

Dia diem (dia chi) thyc hien Phuong an (Du an):

Co so. phap ly (neu co)•

- Tang ngu6n von:

+ Van ea' dinh:

+ Van km dang:

- Tinh hinh thi truang san pham, dich vu SXKD•

- Tinh hinh thi truang cung cap nguyen, nhien, vat lieu•

Kha n'ang tieu thy san pham, dich vy•

KM nang each tranh so voi cdc dui thu canh tranh:

Yeu t6 ky thuat, cong nghe thyc hien Phuong an (Du an):

Ngu6n nhan hyc, quart ly t6 clurc thyc hien.

2. Hieu qui kinh doanh:

- Doanh thu (the lchoan myc chinh).

Chi phi (cac khoan muc chinh)•

- Thue thu nhap Doanh nghiep (hope Ca than):

Lqi nhuan tnrorc thue thu nhap.

Lgi nhuan rang sau thue thu nhap:

Thai gian thu hai von:

- Nguan thu tra ng•

Hieu qua Ichae:

II. Ke hoach vay va trd no' ngin hang:

1. Ngtain von de thy.c hien Phircrng an (Dv An)•

- Van hoat clang ctia Khach hang.

LienViet?os fi 0, 0 ■ L

- Van vay ngan hang:

Van tai trg thtrang mai dm ben cung cap:

- Van huy Tang khac:

2. BE nghi cho vay:

- S6 tien vay:

- suit• Thai han

- Muc dich sir dung tien vay:

- Ngay rut von vay du kien:

3. Ke hoach vi nei dung sir dung On chi tiet:

- K6 hoach sir dung von:

- Ke hoach nit yen vay:

4. Ke hoach tra

Tra nq DSc:

+ Ngay thing nam 20 Tth s6 dew

+ Ngay thing nam 20 Tra s6 tien:

Tth lai•

5. Cac nguen teen tra nq:

Chi tiet ngu6n thu to Phinmg an (Da an):

Chi tiet ngu6n thu ter hoat deng SXKD hien tai:

Chi tiet nguen thu khac (del vii cac khoan vay von trung, doi han phyc vu dku to can phan tich clang tien to Plurong an (Du an) de can Mi tra nq vay)•

6. Bio dim den vay:

- Bien phap bao dim (cam co, the chap hoac bao lash):

- M8 to tai sin bao dim tien vay:

• Ten, s6 luong, chung loai, gia tri:

• Gidy to phap 1Y:

• Co so: ctinh gia:

Chang t oe cam ke't rang: Phwang an (Dv an) nay khci thi, hieu qua, pha hap va• kha nang quern IY, trien khai thyv hien clia chung toi va man thit quy clinh caa Phap luat.

, ngay thong nam 20

Dai dign Khich hang

(10, ghi ra ha ten viz clang ddu, niu co)

A c

"

Mau se: OS/QTCV

NGAN HANG THLYONG MAI CO PHAN CQNG HOA XA HQ' CHU NGHIA WET NAM BUTJ DIEN LIEN VIET Di)c rap - Tt• do - Hanh ph&

***

PHIEU GIAO NHAN HO so CAP TIN DUNG' (Ranh cho Khach hang Doanh nghiep)

Kith hang Chi nhanh/PGD ...

Dia chi • Chuyen vien KH (Ben nhOn HO scr) Dien thoai• Di clang Hy ten:

San pham: Tel/Mobile:

Thai diem KH giao dich len dem h ngay / /

DANH MVC HO SO (Dual day la mot so dank myc Ha so ca ban. CVKH/CVQLTD thuc hien lap phi& nay tren

ca sa thuc ti dai val Sig khocin vay theo Huang din tat Phu lye 01 diet Quy trinh cho

vay)

116 sa you an cung cap (Ghi ft' So king,

g 'de/copy/ban sao chUng Hum)

Giao nhan 116 So (inch vao ha Sc giao

nluin2)

G6c Copy Ban sao chImg thuc

CVKH CVQLTD

HO scr phip nhan GiAy pile!) thanh lap/Dang Icy kinh doanh Dang Icy ma s6 thue Dang ky matt dAu GiAy phop hatitrighe Quyet dinh be nhiem dai dien theo phap luat Quyet dinh be nhiem Ke toan timing Bien ban hop HDTV/HDQT thong Rh& ve viec vay yen va Ay quyen cho ngtrai dai dien cangty giao dich vay von vOThIgan hang.

HO so' tinh hinh tai chinh/ho3t dOng Bang can d6i Ice toan nam ... Bang bao cao ket gtLa kith doanh nam ... To. khai thue GTGT tir than& ... den thang

Phieu giao nhan h6 so dugc lap thanh 02 ban, CVKH ghl 01 ban, giao cho Khach hang 01 ban. 2 Ben nhan ho so. tich Ln CUM voi Ian giao nhan thir n. Vi dy: Lan giao nhan thir I tich LI, thn giao nhan th* 2 tich L2, Ian giao nhan the!. 3 tich L3... 3 Trong trubng hop Khach hang Ice khai thue qua mpg, yeu cau Khach hang cung Sp file pdf th khai VAT va die phu lye... c6 eh& ky din tir efia doanh nghtb.

çc bentimtPosiBaniti •;;;}.., `.; !Cr: <1

Bar) cao phai thu den ...

Bao cao phai tra den ...

Bap cap hang tan kho den ...

Bao cao tai san co` dinh den ...

Thuyet minh bao cao tai chinh

Bang quyet toan thue

Hop deng dAu vao/dAu ra ti6u bieu

Ban gidi thieu ding ty

sa ch&ng minh nAng loc do that

HO sa tai san bao dim/bao lanh

Giay to chimg minh quyen sà him hop phap TSBD:

HO sa phap 131, cita chit TSBD trong toeing hop chn tai san khong ding thei la ben vay

GiAy to lien quan den ngtrai bao lath (nett co):

Ht. so. a nghi vay von ngin ban GiAy de nghi vay vem/cAp han mire tin dung Phuang an kinh doanh/Ke hoach kinh doanh Hop dieing du vao cUa phucrng an vay van Hop ding dAu ra cüa pharmg an vay vein Chung tit da thanh toan (yen to ce) Hea dcrn, Bien ban ban giao/Phieu nhap kho cUa Phuang an vay van

lib so. a nghi vay von trung

GiAy de nghi vay van

Phucmg an vay yen va tra no

Quyet dinh clAu tu

Chap thuan dAu tu

Do an kha thi

2

ti

UenifietPoStganR ■ 0.7:01VI:E•04.1. 1e,t7

146 so. a nghi cap bao linh DO nghi ban lanh Thong bao mai thau Ho so mai thau Thong bao &mg than Hop dang_phat sinh eignia vu de nghi bao lanh Thong bao Thue Bien ban ban gi_ao/nghiem thu

HO so' de nghi Oat hanh/tu chinh L/C

You au ma thu tin dung

Hop deng/Phu Inc HD ngoai/Don dat hang Hop citing dau ra

Pineon_g an/ke hoach kinh doanh

HO so giai ngfin DO nghi giai ngan Chung tie rut von vay

reng só lining H6 so you au/giao-nhan

Thfri diem giao nhO:n HO so' lAn 1

h .....ngay / /

Ben giao Ben nh4n Khach hang (79, ten) Chuyen Wen KH (Igi ten)

Thbi diem giao nhlan iiii so' lAn 2 h .....ngay / /

Ben giao Ben nhiln Khach hang (kJ, ten) Chuyen vien KH (V ten)

Thai diem giao nh4n HO so' len n h ngay / / ....

Ben giao Ben nh4n Khach hang (70 ten) Chuyen vien KH (7g5 ten)

3

R/

LienVietrostRanTe, NtAN.4V.; LICN

iiii six phe duyee Phieu luan chuyen he so To trinh thAm dinh khach hang To trinh tai thAm dinh Quyet dinh phe duyet dm HDTD/Ban TD Thong bao tin dung

Thai diem nh4n dii HO six:

.ngay .... h / /

Me nhan dit HO so' Chuyen vien KH

(k-f, Mn) Chuyen vien QLTD

(kji ten)

5(3

ON

LI

4 Sau khi khoan cAp tin dung duce ph8 duyet, CVKH giao toan bO ha sa cho Chuyen vien QLTD, 02 ben 14 nhan, Chuyen vien QLTD km ban gee cimg ha sa, CVKH km ban copy.

4

UenllieLlost Ban . ”k•, t N Yi

Mitt sá: 06/QTCV

NGAN HANG THUONG MAI CO PHAN CQNG HOA XA HOI CHU NGHIA VIET NAM BUU DIEN LIEN VIET 1 .4p - Ty. do - Hanh phiic

**It(

PHIEU CIAO NHAN HO SO CAP TIN DUNG' (Danh cho Khach hang Ca nhan)

Khach hang . Chi nhanh/PGD ... Dia chi • Chuyen vien KH (Ben nhan HO so.) Dien thoai• Di Ong Hp ten: San pham: Tel/Mobile: Thai diem KH giao dich Ian dau: ..h... ngly ... /...../.......

DANH MIX HO SO (Dwai day la mat so danh myc Hd sa ca

ban. CVKH/CVQLTD thvc hien lap philu nay tren ca sa thvc to &Si vol• Sig khoan

vay theo Huang din tat Phu lyc 01 cita Quy trinh cho vay)

HO so yeti cart cung cap (Ghi ro SO hen,

tic/copy/ban sao chenig thvc)

Giao nhan HO Su (rich vao hd so.

giao nhan2)

, Goc Copy

Ban sao chung thus

CVKH CVQLTD

HO sa nhan than CMND/HO chieu SO he khan

- , Giay Bang kyr ket honAac nhan do, c than Gity phop hanh nghe Dang k5/ he kinh doanh ca the

HO sa nguOn thu nhap Ngthan thu tie Wang_ Quyet Binh bd nhiem/tiep nhan Hop dung lat_ Bang lutmg/Xac nhan luting Sao ke tai khoan Ira Wang Ngain thu tie cho thue tai san Giacy t• chzing minAQSH tai san HD) clang cho thue nha, dat Chininfthanh loan tin cho thue nha, d 'Zit

' Phieu giao nhan &roc lap thanh 02 ban, CVKH gig 01 ban, Khach hang girt 01 ban 2 Ben nhan ho so tich Ln doi veri Ian giao nhan thir n. Vi du: LAn giao nhan thir I tich LI, !An giao nhan dna 2 tich L2, IAn giao nhan thir 3 tich L3...

004

G MP BOW

EN M1

rtfr LienVietPostaanic Et.SANHl■NG 00: 1i I

MS.6-

Chiingfir nolp_thui TN ter cho thue nha, clat Hop cldng cho thue tea san kluic Chang ter thanh loan Win cho thue tai san khdc Nguan thu tir hot dang dAu tu,_gop vonChung nhan gap van, co' phi/u, DKKD

____ ______ _ ___

Belo caw tai chink Boo cao ban hang

_

H6 so' tai san bao dam/bio lath

ad)/ ta chung minh quyen so. hau happhap TSBD:

•• • • • •-•

Gidy to lien quan den nguti bao ldnh (nu co):

•• • • • • • • • ...... .. II6 so. de nghi vay v6n De nghi vay On (Mau Gila LienVietPostBanq Phuongfin vay v6n/Ice hoach vay von Hopd6ng/Hod don/Cluing tir lien quan den phuang an vay von

HA

so' gill ngan Be nghi giai ngan Chang tit nit vonvay

TAng s6 luong HS you cAu/giao-nhAn ... ..... ....

Thad dim giao nhan H6 so. in 1

h.....ngay...../ ...... / ...... ..

Ben giao Ben nhAn Khach hang (4 ten) Chuyen Wen KH (Icy ten)

Thai dim giao nhan 116 so ean 2

h .....ngay / / .

Ben giao Ben nhan Khach hang (79'1 ten) Chuyen vien KH (Igi ten)

tPostfianic (NO:

Thai diem giao nh4n HO so In n

. h .....ngay / /

Ben giao Ben nh4n Khach hang (10; ten) Chuyen vien KH (k-f, ten)

H6 so phe duyet3 Phiau luan chuyan ha so.

Ta trinh thAm Binh Ichach hang

Ta trinh tai thAm dinh

Quyet dinh_phe duy8't dm HDTD/Ban TD

Thong bao tin dung

Thai diem nh4n dii Ha so:

h ngay//

Xic nhlan dii HO so Chuyen vial KH

(ky ten)

Chuy8n vien QLTD

(k05 ten)

39.

PH/

3 Sau khi Ichohn cap tin dung dugc phe duyet, CVKH giao town be ho sa cho Chuyen vien QLTD, 02 b8n ky nh4n, Chuy8n vien QLTD km ban g6c Gang sa, CVKH kru ban copy.

LienifietPostonit Mitiu 07/QTCV

NGAN HANG THITONG MAI CO PHAN CQNG HOA xA HQI CHU NGHIA VIET NAM BLIT DIEN LIEN VIET DOe lip - Ti. do - Ranh phut

BIEN BAN BAN GIAO HO SO

Horn nay, kw. .h ngay. .thang nain 20 .toi dying toi gam co:

BEN GIAO HO SO (Ben giao):

HQ ten: Dien thoii•

BO phan- Dan vi:

BEN NHA: N HO SO (Ben nhin):

Ho ten: Dien thoai.

BO phan - Dan vi:

Da tiern hanh giao nhcin oat giciy reilifri so sau:

Khach hang:

TT DANH MVC HO SO

HA scr yeu cAu cung cap (Ghi r'd So Wong,

goo/copy) Ghi chi

G6c Copy I HO scr phi') ly

... ...... .. n HO su tai chink

1 . ...... .

•• .

III HO sr vay yen ...... ..

... ...... .. Iv 116 scr Tii sin bao dim

... ...... .. V HO scr khfic

1

•• • Tling s6 lugng HS you citilgiao-nhan .

BEN GIAO

BEN NHA.N ghi hi hp ten)

(Kg ghi ra hp ten)

kN

n

cv

(

benitietPustEari !CAN...A:40 avu t Kt; vt

Min sa: 08/QTCV

PHIEU THEO DOI LUAN CHUYEN HO SO Lien:

1. Chuyen vien Khach hang - Ten khach hang:

- Lodi hinh san pham de xuat vai khach hang:

o Tin dung hp mac 0 Tin dung theo mon

Si tien vay:

Mac dich:

o Bao lanh

S& tien bao lank

Loai bao lanh:

o Thanh town quec to

Phucmg thim thanh than-

SO tien thanh toan:

Chi tilt ha soft theo Bien ban ban Riot) Binh kern

Ten Chuyen Khich hang

2. Quin 15, Thong Khich hang - Ho va ten:

- Chirc vv:

Thai diem nhan h6 sa: h ngay / /20....

Chi tilt ha sa theo Bien bon ban giaodin!: kern

BEN CIAO BEN NHAN

Thai diem giao ho sa: h ngay / /20...

BEN GIAO BEN NH3N

3. Ban giim dic/13TD - HQ va ten:

- Chat vu:

BO phan VP )(de nhan:

Thai diem nhan he sa: h ngly / /20....

Chi tilt ha so' theo Bien ban ban ea° clinh kern.

BEN GIAO BEN NHiNN

Thai diem giao ha sa: h ngay / /20...

BEN MAO BEN NH4N

4. Thong tai thim dinh Hoi so• - Hp va ten:

- Cthirc vu:

Thai diem nhan he sa: h ngay / /20....

Chi tilt ha sa theo Bien ban ban giaoNEM kern.

BEN GIAO BEN NH1N

Thai diem nhan he sa h ngay / /20....

BEN GIAO BEN NH4N

Thai diem giao he so: h ngay / /20....

BEN GIAO BEN NH3N

LientfietPa staart. Nr.rn PANG I Pali C.:{

Min se: 011/QTCV

5. PhOng QLTD

Xac nhan cua Truemg ph6ng QLTD:

Chi tilt ha so' theo Bien ban ban giaodinh kern.

Thai diem nhan ho sa: h ngay /20

- Ho va ten CVQLTD•

BEN CIAO BEN NHAN

Thai diEm giao lai he so cho CVQLTD: h ngay / /20... (neu ca)

BEN GIAO BEN NHAN

Thai diem nhan he so: h ngay / /20...

Chi tilt ha sa theo Bien ban ban fin° dinh kern.

BEN GIAO BEN NHAN

6. Trinh ky BGD/BTD phe duyt

- Ho va ten:

- CM:re vu:

Thai diem nhan he so: h ngay / /20....

Chi tilt ha theo Bien ban ban giao dinh kern.

BEN GIAO BEN NHAN

Thai diem giao he sa: h ngay / /20...

BEN CIAO BEN NHAN

2

1:;aN.0.!ir;1514i [Z4 , ■ 00; Mau sa: 09/QTCV

NGAN HANG THITONG MAI CO PHAN CQNG HOA XA HQI CHU NGHIA VItT NAM BUt DIEN LIEN VIET DOc rap - Tty do - Ranh phtic

—*-- *** S6: /201 .../TTr – CN

TRINH THAM DINH (Bang cho Doanh nghitp, Phdp nhan)

Kinh Dinh.

Can cu vao ha set de nghi vay von cua Khach hang - de thanh town (muc dich vay von).

Toi CVKH da lien hanh thAm dinh nhu cAu vay von va h6 so vay v6n cim Khach hang. Ket qua cu the nhu saw

I. Khach hang vi a nghi cim Khach hang

1. GAM thieu khich hang vay vim

- Ten Khkh hang vay

- Trutho. •

- Giay dang k9 kinh doanh.

- Nganh nghe kinh doanh: (nhirng nganh nghe kinh doanh chinh).

Van dieu le• trong do:

STT Ten thanh vien Gia tri v6n gem (clang) Phan v6n g6p (%)

I

2

- Ngu6i dai dien fru& phap luat.

- Nguoi dai dien theo uy quyen.

2. De nghi can Khach hang

- SO tien de xuAt vay.

- Myc dich sir dung v6n vay.

Lai suet:

Thai hen vay:

Tai san bao dam:

ThAm dfnh Khach hang

1. Ty cach phatp1S7

- Loai hinh doanh nghiep:

- DOc lap hay phi thuoc:

I .

LientWosiftgli NtAs ttA.Nd GI) LPCN RCi

- Ngtrai dai dien theo phap luat•

- Ngtrai dai dien theo ay quyen•

Ket luin:

✓ Dan vi co di dieu kien phap ly de quan he tai Ngan hang?

✓ Don vi co du dieu kien phap ly de hog thing kinh doanh trong link vue quan 4 tai Ngan hang?

(Dieu kien ve phap 15, la dieu kien quan trong, co the ti• chei cap tin dung neu Khach hang klving du dieu kien phap ly hodc dim vac) dieu kien tier) quyet cho vay)

2. Kha nang quail 19 (dm chi doanh nghiep hok ban linh duo doanh nghiep)

- Trinh de chuy8n mon•

- Kinh nghie'm lam viec•

- Kha nang to chirc san 'mat, tiap thi

3. Qua trinh hinh think va phit trien

- Qua trInh hinh thanh:

- Cac ding ty thanh vien:

- Ca eau e6 chat:

4. Dinh gia tinh hinh quan 4 yeti cac to chic tin dung

a. Quan 4 vai the t'A chat tin dung:

- Theo CIC, ngay.....tinh hinh quan 4 tin dung cila Khach hang cu the nhu sau:

SO TT

Ten to chirc tin dung

Dv nu ngin hun

Di nu trung dal hun

Nhom my cao nh'it

TM sin bao dim

TOng Ong

Danh ve tinh hinh tin dung Khach hang tai cac TO clam tin dung khac co anh hutmg den nhu cau vay yen cia Khach hang tai Ngan hang.

- Danh gia ve TSBD cia Khach hang tai cac TO chirc tin dung khac c6 anh Inning den TSBD dei vai khoan vay tai Ngan hang.

b. Quan he tin dung tai Ngan hang Buu then Lien Viet:

Chi tieu Mm N-2 Nim N-1 Nam N

- Doanh s6 giao dich qua tai khoan:

- Se du giao dich binh quan qua TK

- Doanh s6 giai ngan:

- Doanh s6 thu ng:

THU(

Met, o s Li

- Doanh so chuyen tien TTR:

- Doanh soma LC:

- Doanh s6 bdo lanh:

- Phi thu doge:

- Han mirc TD ngan han da duce cap

- Han mire TD trung dai han da &roc cap

- Cac s6 du tai thOi diem lap to trinh tharn dinh:

- Du no theo han mire:

- Du no trung, dai han:

- Chdt Wong ng:

- S6 du L/C:

- S6 du bao lank

- Tai san bao dam:

- T6ng cam ket tin dung chug gidi ngan:

- Danh gid viec thus hien cac cam ket cua Khach hang theo cac thong bdo cap tin dung Ian Mite tai Ngan hang;

kien (neu co) cua Kiem town nei bO/Giam sat tin dung ve viec than thd cac dieu kien tin dung dm Khach hang theo cac thong bao cap tin dung lan tank tai Ngan hang.

c. KM Juan: Uy tin trong quan he tin dung, vi the cfm Khkh hang trong quan he voi cac TCTD khk va voi Ngan hang Btru dien Lien Viet.

5. Dinh gia tinh hinh hoat Ong san xuat kinh doanh

a. Link vire hoat dOng kinh doanh chinh:

- Cdc san phdm va dich vu chinh: thucmg thieu dm sari dich dac firth, quy trinh san xuat, gia ca, kenh phan phni, san pham thay the.

- Co cdu elm tong doanh thu va Igi nhuari ITnh Arc hoat do, ng oda doanh nghiep.

b. Co so va tang Ivc san xuat kinh doanh:

- Nang li,rc san xuat/T6ng s6 lao do, ng/TOng s6 don vi thanh vien.

- Co so san xuat (Nha wiling, day chuyen cong nghe, he thtmg cda hang phan ph6i...).

c. Thi trIrerng tau ra, thi truing clan van

- Sc luting, ten nha cung cdp/nha tieu thu va mut d'O tap trung.

Spl

NO iNC

ei

ay

3

tPustGanit

- Quan he voi nha cung cdp/nha tieu thy: mdc do uy tin, phtrcrng thfrc tieu thu, phan phoi, cac chinh sach tth

Ket ludn:

6. Ddnh gil fink hinh tai chinh

a. Dinh gid dd tin cdy oda cac bao cao tai chinh

b. Phan tich Bang can difd ke Wan:

BIEU 1: BANG CAN DOI Id TOAN

Ten chi tieu/nam n-2 n-1 n

Tai san

A. Tai san ngan han

I. Tien va cac khoan thong ducmg tien

1.Tien

2. Cac khoan arcing duong tien

II. Cac khoan dau tu tai chinh ngAn han

1.DAu tu ngan han

2. Dv phOng giam gia du tu ngan han

III. Cac khoan phdi thu ngin han

1.Phai thu Khach hang

2. Tra truk cho ngueri ban

3. Phai thu nOi b0 ngthi han

4. Phai thu theo tien dO Ice hoach hop ding xdy dung

5. Ck khan phai thu khac

6. Dv phong phdi thu ngin han kh6 dOi

IV. Hang ten kho

I. Hang ton kho

2. Dv phOng giam gia hang ten kho

V. Tai san ngan han khac

4

LiedietPasffit N ,̀4frittk4C;114,J:NI.NIII:74 410

1.Chi phi tra truck ngin han

2. Thud GTGT duct khau trir

3. Thue va cac khoan khac phai thu N.-th ntroc

5. Tai san ngin han khac

B. Tai san dai han

I. Cac khoan phai thu dai han

1.Phai thu dai han oda Khach hang

2. VAn kinh doanh a don vi trvc thuOc

3. Phdi thu dai han not 60

4. Phai thu dai han Ichic

5. Dv phOng phai thu dai han kho doi

II. Tai san c6 Binh

1.Tai san co dinh him hinh

- Nguyen gia

- Gia tri hao 'min luy Ice

2. Ili san cot dinh thue tai chinh

- Nguyen gia

- Gia tri hao mon lay Ice

3. Tai san co dinh vo hinh

- Nguyen gia

- Gia tri hao mon lily Ice

4. Chi phi xay dung co ban cl& dang

III. Bat (Ring san clam to

- Nguyen gia

- Gia tri hao mon lily ke

IV. Cac khoan du to tai chinh dai han

5

48

HAI of G DIET VI

tv

DerghetEasffianh .:;Ac L. 0::10■ ‘e,a1,1.47

1.Diu to vao cong ty con

2. Diu to vao cong ty lien Vet, lien doanh

3. Diu ttr dai han khac

4. Dv phOng giam gid diu to tai chinh dal han

V. Tai san dai han khac

1.Chi phi hã twee ddi hart

2. Tai san thug thu nhap hart lai

3. Tai san dai han khac

Tang Ong tai san

Nguan von

A. Ng phai tra

I. Na ngan han

I. Vay yâ ny ngin han

-Ng dai ban clan han thanh town

2. Phai tra ngtroi ban

3. Ngugi mua tra tian tug°

4. Thu a vá cac khodn phai nOp Nha nuOc

5. Phai tra nguari lao cling

6. Chi phi phai tra

7. Phdi tra not bi

8. Phai tra theo tian da Ica hoach hop ding xay dvng

9. Cac khoan phai tra, phai Op ngin han khdc

10.Dv plying phai tra ngAn hp

11.Quy khen thuong, phdc lyi

II. No dai han

1. Phai tra dai han ngtrOi ban

6

so

1G DPH 4 UT

9(/

LienilietPcs

2. Phat tra dai han nal 1)0

3. Phai tra at han khac

4. Vay va ng ddi han

5. Thus thu nhdp hoOn tai phai tra

6. Du phOng try cap mat viec lam

7.D9 pheng phai tra ddi hp

B. Von chi, sir hau

I. Vtin chit se( him

1.Van dAu to cua chit sa hot

2. ThOng du van ca phAn

3. Van khac cna chit ser but

4.Co phieu quy

5. Chenh lech danh gid tai tat san

6. Chenh leech ty gid hai dodi

7. Quy au to phai trien

8. Quy du phong tat chinh

9. Quy khdc thuOc van chit sty him

10.Lgi nhuln sau thus chtra phan phai

11.Nguan van dAu to XDCB

II. Nguan kinh phi va qUy khdc

1.Ngutm kinh phi

2. Nguan kinh phi a hinh thanh TSCD

Tang cong nguan von

Chenh tech Tat san - Nguan van

- Phan tich co cAu nguan van; phan tich cac khoan Intic chi6m ty tr9ng ton: nguyen nhan, Men do, ng va mac anh huong tut tinh hinh tai chinh, host clang ctla. Cong ty.

- Danh gid so ba ty trong, chAt lug/1g cdc khaki phai thu, phai tra, hang tan kho.

\HZ

AN

2

UentrietPostilagh :e3Ap; FV1){`,001C% 470

c. Phan tich bao cao ket qua hoat do, ng kinh doanh

BIEU 2: BANG KET QUA HOAT BONG KINH DOANH

CM tieu/nam n-2 n-1 n

1.Doanh thu ban hang \fa cung cap dich vu

2. Cac khoan giam trir doanh thu

3. Doanh thu nhuan ve ban hang vi cung cap dich vu

4. Gia yen hang ban

5. Lqi nhuan Op ve ban hang vi cung cap dich vu

6. Doanh thu hoat do", ng tai chinh

7. Chi phi tai chinh

- Trong do: Chi phi lai vay

8. Chi phi ban hang

9. Chi phi quail 19 doanh nghidp

10. Lqi nhuan thuan tir hoat do, ng kinh doanh

11.Thu nhap Mt

12. Chi phi khac

13.Lqi nhuan khac

14.Tong lgi nhuan ke than tnretc thud

15.Chi phi thud TNDN hidn hanh

16.Chi phi thud TNDN hoan lyi

17. Lqi nhuan sau thud thu nhap doanh nghidp

- Phan tich danh gid, nguyen nhan tang tareng doanh thu, lqi nhuan cua Khach hang.

- T9 trong doanh thu, Igi nhuan tang hoat Ong kinh doanh mang lai cho Khach hang.

d. Phan tich cat chi se:

- Chi 4) ve kith rang sinh

Chi se Nam N-2 Nam N-I Nam N Trung binh

nganh So sanh (<, >, —)

ROE

8

S ,

LienViet

ROA

Lai nhuk sau thuO/Tai san dai han (%)

Lai nhuAn gOp/Doanh thu thuan (%)

Lgi ,nhuan try& lai va thue/Doanh thu than (%)

Lgi ,nhuAn try& , thu8/Doanh thu thuan (%)

Lai nhuAn sau thue/Doanh thu than (%)

• Phan tich kq ntu co nhang dot bian va tang twang qua cac nam.

• So sanh ve lcha nang sinh Jai ctia Khach hang vat the doanh nghiep tuang tu, vol chi so chung cua nganh.

Chi so Nit tang trirang:

CM se Nam N-2 Nam N-I Nam N Trung binh nganh

So sanh (<, >, -..)

a. Doanh thu thuAn

b. Tang trtrang ye doanh thu (%)

c. Tang truong va Igi nhuk sau thue (%)

d. Tang truong tang Tai san (%)

a Tang trtrang tong ng phai tra (%)

• Than tich k'y' neu co nhang dOt bian ve tang truong qua cac nam, nguy6n than;

• Ca cau doanh thu theo cac mang kinh doanh san phAm, dich vu chinh ctia Khach hang.

Chi so ve hog dOng

Chi se Nam N-2 Nam N-1 Nam N Trung birth.

nginh So sanh (<, >, -..)

a. So ngay tan kho binh quan

b. SO ngay phai thu binh quan

c. Chu Icy kinh doanh

d. so ngay phai tra ngiroi ban

e. Riau qua quail Iy chi phi

f. Hiau qua sir dung tat san

9

lienVieteosiBrol:

• Danh gia chung: So sanh cac chi so vai chi so trung binh nganh, danh gia cac chi s8 co phn hop ven hoat dOng cna nganh, neu nhan xet;

• Phan tich ky nett co nhang dot Bien ve cac chi se) hoat deng qua cac clam, nguyen nhan;

• Phan tich Icy the khoan phai thu neu c6 nhfing bien deng Ian ve gia tri, thCri han ghat thu. Liet ke \fa phan tich theo ten dm tang ngueri mua c6 tY le phai thu Ian, dac biet trong trueng hap nhan quyen del no to nhfing ngtroi mua nay lam tai san bdo dam.

• Phan tich nhang bien deng lern ye gia tri, gia ca hang ton kho theo tang chung loaf hang, tat biet can thiet trong truang hop nhan hang ten kho lam tai san bao dam.

Chi se ye kha 'tang thanh toan:

Chi s8 Nam N-2 Nam N-1 Nam N Trung binh nganh

So sanh (<, >, -..)

a. KM nang thanh toan ngan han

b. KM nang thanh town tat died

c. Kha nang thanh toan nhanh

d. Von km do, ng rang

+ Danh gia kha nang thanh toan cua Khach hang;

+ Phan tich cac bien cleng dot bien, nguyen than.

- Chi so quail 15, nq:

CM s6 Nam N-2 Nam N-1 Nam N Trung binh nganh

So sanh (<, >, --)

a. No phai tra/Teng ngulin On (%)

A b. T'Y so ng dai han = Tang no dai hanN8n chn sdr hff u

(%)

c. Kha nang thanh toan ng (Ian)

'cl. KM Ong tra ng ngAn han

e. KM Mang thanh toan lai vay

g. Don bAy tai chinh = No , phai traN8n chn so. him (Ian)

h. Lai vay/Ng vay trung binh

i. He s6 to tai trg

+ Phan tich chi se don bay ve yen;

10

LienifietPos HANCi C,V. Ir'‘

+ Cdc Hen Ong do, t Wen, nguyen nhan.

Ket Juan:

So sanh cac chi tieu tai chinh yeti chi tieu binh quan ctia nganh.

- Dinh gid tinh hinh tai chinh cim ,Khach hang, neu ra diem tot, diem kh6ng tot, nguyen nhan khac phuc cac diem chua tot

- Tinh hinh tai chinh mat can dOi/Khong mat can Mi. Phan tich ky nguyen nhan gay mat can d6i vi bien phip khAc phoc.

- Hoat Ong kinh doanh co hieu qua/khing hieu qua.

- Ghi chic

• <: Chi tieu czia Doanh nghiep nhe han Chi tieu trung binh nganh

• >: Chi tieu czia Doanh nghiep lon han Chi tMu trung binh nganh

+ —: Chi tieu cita Doanh nghiep xnp xi Chi nett trung binh nganh

7. Dinh gia rui ro tiem An trong host Ong sin xuAt kinh doanh va 116' xuat cac bien phip han the rid ro

III. Dinh gii phtrung An de xuAt vay von

A. DOi voi trtromg hap vay theo mon

1. Tom tit phuung in kinh doanh

- Dam vao•

- DAu ra:

- Phuong thnt time hien:

- Hieu qud kinh doanh Khdch hang du kin•

2. Danh gii tinh kha thi vi hieu qua ctia phtrang An sin xuat kinh doanh

Doanh nghiep c6 dti nang 1vc thgc hien phuong an kinh doanh (Tinh hinh thi trubmg hien tai, kinh nghiem sin xuAt kinh doanh cda doanh nghiep, tinh hop Ijr cua phuong

Phan tich hieu qua kinh to cua phuong dn.

3. Phan tich nhu cau von vay ctia doanh nghiep

- TS, le von to co tham gia cua doanh nghiep (hop 15r hay Bong).

- Tinh hop 15, cia s6 tien xin vay, th&i han vay, Lich tra no so yeti phuong an sin xuAt kinh doanh.

- Tinh kha thi cim ke hoach thu xep von to nhiing ngu6n von khac.

4. Dinh gii kha nAng tra ncr cim doanh nghiep

- Kha ning tra no to chinh phuong an sin xuat kinh doanh.

- Kha 'fang tra no to nguen khdc (Lgi nhuAn, khau hao de lai, lai tv cac phuong an

B. Dot voi truimg hap cap han mitt

1. Dinh gii ve tinh hinh thqc hien ke hoach nAm trtrerc, k'e hoach nam nay va khi nAng thyc hien elm Khach hang.

11

UenVietPost aith' HAW.; t.tr■O(*.t

- Phai danh gia duce ket qua dux hien dm nam truck so voi Ice hoach, nguyen nhan kh8ng dat dirge ke hoach nam kink (trong twang hap khong hoan thanh).

- Danh gia Hid nang thut hien Ice hoach nam nay, dac biet luu SI den kha nagg that hien trong diet' kien thi twang va !fang lire cua doanh nghiep.

- Thuan Igi, kh6 khan lien quan tai hog Ong kinh doanh cua doanh nghiep trong nam ke hoach.

- NhAn xet: Kt hoach kinh doanh oda Khach hang c6 kha thi khong, that hien dirge bao rthieu %. Du bao tang trutng doanh thu, lui nhuan cho 12 thang tai, 19 giai cho the gia dinh.

2. Tinh town han mire

- Tinh town tong nhu eau von km Ong, nhu eau On km Ong binh quan (Phan tick, tinh town doanh thu, chi phi, yang quay...phn hgp cho k9 ke hoach).

Cac ngutin von de dap ting nhu eau: co eau (ny co, vay nei be, vay ngan hang khac...) va tinh kha thi cua tong nguon von.

- Danh gia nhu cAu tin dung t6i da trong ky (dip nen tinh toan nhu cAu On km Ong binh quan, phan tieh Ong tien, ke hoach kinh doanh...)

Chi lieu Nam N Nam ke hoach Mire de tang truong

Doanh thu (1)

Tong chi phi KD:

+ Gia. On hang ban

+ Chi phi ban hang

+ Chi phi quan 19 KD

+ Chi phi khac (nett co)

(2)

Lyi nhuan du kien (3)

Chu k9 kinh doanh (4)

Nhu du On cho 1 veng quay (5)=(2)/(4)

VCSH tham gia vao VLD (6)

Phai tra ngtroi ban (7)

Tai trg dr cat TCTD khac (8)

Win vay khac (9)

Nhu clu dip HMTD tai LienVietPostBank

-=(5) — (6) ( 8 ) — (9)

— (7) —

3. Phuang an cap kin mat va bien phap qua!' 13' ,7

12

LienilletPastgank

Danh gia rui ro trong phuong thirc hoat do", ng, dua ra 0 xuat ye thtri gian cho vay, bien phap quan ly doanh thu, chinh sach khac (lai, phi, ty le ky ..).

So sanh phuong thtic that hien dm KhAch hang cloi voi dieu kien chung cua nganh hoac thong le quoc te.

IV. Danh gia bign pith') bao dam

TSBD 1 TSBD 2

Loai tai san bao dam

MO to tai san bao dam:

+Bat deng san: Neu re tai san nAm tai khu vuc nao, dien tich da't, dien tich nha (xay dung tir nam , nao) mat tien, chieu rang, neu nha trong ng6 can neu khoang each tir nha ra mat pile chinh, chieu rOng dm ng6, oto c6 vao duot nha ?

+ Phucmg tien van tai: Neu re xuat xis, dam san xuat, cdc th6ng so ky thuAt chinh.

Chu so Mu, sir dung

Giay to chUng minh quyen ser Mu, sir dung

Quan he cda chit so Mu, sir dung v6i Ben vay

Gia tr.i dinh giA: (neu don vi dinh gia Ira ngay dinh gia)

+ Gia theo quy dinh cda NM mac

+ Gia theo don vi dinh gia

Gia tri dam bao tai da

Thai gian ky khung cOng thing bao darn cho khoan vay

Thd tut nhan tai san bao darn

Phuong thtic quan IY tai san bao darn.

Chi tiert tai td. trinh 'helm dinh tai san dinh kem

13

7;

MAI NI iN

A

LientilietPottEtrilc

Dinh gia cita CVKH vd tai san boo dam:

+ Tinh an toan cua co cau TSBD trong mei tuong quan vdi han mire rui ro cap cho Khach hang;

+ KU. nang thanh khoan cua TSBD trong truing hop phai sir dung TSBD lam ngtion tra rig;

+ Phan tich chi fiat va rui ro va phuong thirc quirt 19 lieu nhan TSBD la hang hoa (loaf hang, kho hang, each thirc quan ly, mua bao hiem,...) hoac quyen dei ny (nguari mua, phuong thilc thanh toan, tai khoan thanh toan, thai han thanh toan, Lich sir quan he, tri gia hop clang (neu da Icy);

+ Phan tich ve rui ro !chi nhan TSBD cita ben dui 3;

+ Phan tich ve uy tin, rang lye ctia ben bao lanh neu Khach hang duce bao lash bad met ben thin ba.

Luu 9: Truing hop khoan cap tin dung &rye twang uu dai ve ban dam tien vay, CVKH phai lam re viac Khach hang dap ung du cac dieu kien va uu dal bao dam tien vay theo cac quy dinh cua Ngan hang.

V. Dinh gia lai ich, rui ro va cac bi'?n phap han the rui ro (xem hteimg din chi tiit tai Ply luc 03)

VI. Ket luau va de xuat ciia CVKH

1. Ket lain cila CVKH

- Nhan xet ye lcha nang tai try cap tin dung va cac dieu kien an dung.

- Nhan ?cat ve tai san bao dam va bin phap quan 19.

2. De xuat

A..061 voti cho vay theo min

- So tien cho vay:

- Mix dich vay von:

- Thai han cho vay:

- Phucmg thirc tra ny:

- Lai suit:

- Dieu kien giai ngan:

- Chiang tit giai ngan

- Phtrong dare giai ngan:

- Tai san bao dam:

- Dieu kien be sung:

B. Dti voti cho vay theo han mire

- Tri gid han mire Bao glim du ny cua han mire cu (nau cO)

- Thai han han mire:

14

1,11C

CO dEN

VI

7c#:

' 7

lienlItetPostaarer: .tioak!, Ns?“; LICK SKI

- Thai ban mOi khoan giai ngan:

- Lai suat:

- Phaang thac tra no . :

- Dieu kien va chirng tir giai ngan:

- Phtrang thirc giai ngan:

- TM san bao darn

- Ck dieu kien kern theo:

Tran trnng kink trinh!

MEN TRUONG PHONG KHACH HANG CHUYEN WEN KHACH HANG

ti

PHP

ET

15

NCAN idac N LE% V:?:7 Mau so`: 10/0TCV

SO: /201.... /TTr — CN

TO TRINH THAM DINH

(V/v: vay von clia Khach hang

Kinh trinh•

Can cu vao ha so de nghi vay van dm Khach hang de thanh town (ate dich vay van).

Ten CVKH cid tin hanh than dinh nhu cau vay van va ha so vay von cua Khdch hang. Ka qua cu the nhtr sau:

I. Khach fling vi nhu cAu vay von cua Khach hung

Ten Ichdch hang:

- SO tien de nghi vay:

- Muc dich sir dung tian vay:

- Thai han vay:

- Lan spat:

Phuong thirc tra no:

- Tai san bao dam:

II. Phan thAm dinh cim Chuyen vien Khach hang

1. NAng lye phip ly vi hr each cim Khach hing

a. Ten khach hing:

Ngay thdng nAm sinh:

- CN1ND•

- Dia chi ha khAu:

- Nat a hien tat.

- Tinh trang hon nhan:

Bang cap chuyen mon:

Qua trinh ding tac:

STT

Thai gian Noi lim urge Chtec vu

b. 119 va ten vq/chOng:

Ngay thang nan sinh .

- CMND:

- Dia chi ha khAu:

1

LienVieti, usth ra-AN itAM;

Nal o hien tai .

Bang cap chuyen mon:

Ncri cong tac:

c. HQ va ten con:

- Ten con.

- Ngay thang nom Binh•

- Nghe nghiep:

Nhin xet: Khach hang co du nang luc hank vi dan su va nang luc phap luat dan su quan he veri Ngan hang But dien Lien Viet hay khong?

2. Quan he tin dung voi cac to chat tin dung

a. Quan he veni cac to claire tin dung khac

Theo thong tin CIC, ngay .t1nh hinh quan he giao dich tin dung cila Khach hang cu the nhu sau:

Ten Ngin hang Dir nq ngin

han

Dv nq trung

dai han

Tai san bio

dim

Nhom nq cao A nhat

CI:mg

Danh gia ve tinh ,hinh tin dung dm Khach hang tai cac TO chat tin dung khac co anh huong den nhu cau vay von dm Khach hang tai Ngan hang.

Danh gia ve TSBD cua Khach hang tai cac T6 chirc tin dung khac co anh Sang den TSBD d6i voi khoan vay tai Ngan hang.

b. Quan he veri Ngin hang Btru dien Lien Viet

Giao dich tai khoin, tiet kiem:

+ Ngay ma tai khoan giao dich, ti et kiem tai Ngan hang:

• Doanh s6 tien girl (thanh toan, tiet trong 12 thang gan nhAt:

• S6 du tien gin (thanh toan, tiet kiem...) binh quan 12 thang gan nhat:

• S6 du flan gui (thanh Wan, wet kiem...) hien tai:

Giao dich tin dung:

• Ngay bat du vay Ngan hang:

• Du no cao nhat: clang; Du nq hien tai: dong.

• Danh awe cac khoan vay dm du no . tai NO?) hang nhu sau (Don vi: trieu clang):

SO HD/

khe vac

Tien vay

ban dau

Thiri han Dir no

•

'Ili san bao dam

Tir Den Ten TSBD Gia tri

O

2

COng

• s6 Ian pith sinh nq nhom 2-5 trong 12 thang gin nhat; LY do?

• Tim dng sir dung cac sin phim dich vu khac elm Ngan hang Buu en Lien Viet trong thai gian tai.

Nhan ret chung ve uy trong giao dich cua Khach hang:

3. Dinh gia ye kha 'tang tai chinh

a. Nguon thu nhap

With gia chi tiet nguen thu nhap, mire do, pha hop elm ngu6n thu nhap ma Khach hang co. &rye.

b. Tai san tich My

Liet ke cac tat sin ma Khach hang tich My.

Xac Binh gia tri cua az tai san ma Khach hang tich

4. Phtrang an sir dyng von vay ya ngulin tra nq

a. Phircrng an sir dyng vent vay:

Mvc dich sir citing tien vay (mo to chi fiat):

Ck tai lieu chung minh mvc dich sir dung tien vay:

Mvc dich sir dung tai san hinh thanh tir von vay (nOu vay mua tai san):

- Ca du nguOn von:

+ Tong von can cho phtrong an vay:

+ Von to có va von khac:

• SO tien nghi vay.

• Ty le von dv kien vay/tOng ngu6n von S to (%)

Thai han vay:

- Phuang thirc tra nq gOc: ; Tra lai:

b. Ngulin tra

TT Khofin thu nh4p SO tien TM lieu chung minh (ghi rti 1oai)

I Thu nhb ctia ngtrosi vay

1 Lacrng Ira thu nhap tir ca quan

2 CO Mc

3 Lai nhuin tir kinh doanh

4 Tien cho thue tat san

5 Thu nhip khac

0' 0r

3

LienVietPo G.?

II Thu nhip ctia vg/cling

1 Luang va thu nhap tir ca quan

2 CO tut

3 Lai nhuan dr kinh doanh

4 Tien cho thu8 tai san

5 Thu nhap khac

Ding thu nhip

Giai thich chi tiet them ve cac nguOn thu nhap chinh:

• Thu nhap luong:

• Thu nhap cho thu8 nha:

Cat khodn chi phi .

• Chi phi sinh hoat:

• Chi phi tra ng goc/lai cac khoan vay khac:

• Chi phi khac:

• fling chi phi:

Thu nhap thuang xuyen co the dung tra ng:

Thu nhap khong thutmg xuyen khac:

He s6 nghia vu tra ng/Thu nhap rang (PNI) =

Nhan xet ve phuong an vay von va ngutin tra ng:

5. Thim dinh al san bio dam

a. Dante mac Tai san bio dam:

I Ten TSBD ii

lining

Gia. tri dinh gid girt nhat

Ty le cho vay tai da

Gia tri TD duce bao

darn tai da

Gia tri TD da bao dam

Gid tri TD co the bac dam ti6p

1

TOng cong

b. Chi wet ve cac tai san bio dim:

Bat do, ng san:

• Ten bat do", ng san:

• Mo to ky hien thtia dat, vi tri, kich thuot mat tien, chieu sau, chieu rang duang

• Loai gray to. so hiru, ngay cap, not cap:

V DO.

LienVietPos .AN we.C. U,U

• Dien 'Lich:

✓ Dien tich dal thuc to sir dung/dien tick duirc cling nhan tren ha SU: . /

✓ Tong dien tichxciy dung/S6 king: m2/ ring.

• Chit sa hair tai san va quan he veri ben vay:

+ Gid tri tai san bao dam:

✓ Deny( thuc hien viec dinh glee:

✓ NO.)) dinh gia:

✓ Don gia dcit then guy dinh cilia Nha meat (d/m2):

✓ Dan gia &it then gia thi truenig sir dung cle dinh

✓ Gia tri tat san tren dch:

✓ Tong gia tri BDS:

- Dc ng san:

+ Ten tai san, s6 lugng, chat lugng:

+ Loai giay tb sa hau, ngay va nai cap: + Ten chit sec hint va quan he: vai ben vay:

+ Gia tri TSBD:

+ Don vi dinh gia va ngay dinh gia:

Nhan xet ve tinh phap 19, Milt thanh khoan va gid tri caa TSBD:

6. Dinh gia ve loi ich, rut ro cua khan vay ye c14% xugt cac bin plat) han the rut ro.

III. NISI xet va de xuat

1. Nh4n xet:

Khach hang c6 du to each phap 19 quan he vOi Ngan hang But then Li8n Viet Ichong?

- Phuong an vay v6n co pha hop hay khong?

Kha nang tra ng cua Khach hang co dam bao hay kheng?

2. De xuit:

- Sot tien cho vay:

- Mac Bich vay v6n:

- Thai han cho vay:

- Phuong that tra ng:

- Lai sutt:

- Dieu kien giai ngan:

t4GAH iOtie

BU Lit 449

▪

,

- Ching M giai ngan

- Phuong tithe giai ngan:

- Tai san bao dam:

- Dieu kien b6 sung:

Man trnng kink Milk!

t MEN TRUCING PRONG KHACH HANG CHUYEN VIEN KHACH HANG

Dien thoai: Dien thoai: I • • •

Phil) nhan

Ten Cong ty•

Giac y DKDN sty

Ngtreci dai diem

Tru s••

Ca nhan

Ong (ba)•

SA CMND/HO °bre•

Vg (thong)•

So CMND/HO chieu•

HO khiu thuttng tru•

VA* (thong)•

GiAy DKDN ser •

Ngum dal diem

Tru sa•

Dien thoai•

SA CMND/HO chie•

HQ khan thWmg fru•

Dien thoai .

2. Ben The chAp:

Phap nhan Ca Wan

Ten Cong ty. I Ong (M)•

SA CMND/HO chieu•

UeniheIPosiiiaffii ,e4N !UN(i tq't,

mein so: 11/QTCV

NGAN HANG TIWONG MAI CO PHAN CONG HOA XA HOI CHU NGHIA VIET NAM BUV HEN LIEN WET Dec 10p - Tn. do - Hanh phtic

ngay.. thang. .ndin

BE NGHI DINH GIA

dinh gia — Nan hang Him dien Lien Viet —Chi nhanh

Don vi a nghl dinh gia: Ph6ng Khach hang/PGD .... — CN

CVKH:

De nghi TO dinh gia thAm dinh tai san bat) dam ctia Khach hang theo chi net nhu sau:

I. Thong tin Khach hang:

1. Ben vay

II. Thong tin de nght

1. Dinh gia TSBD, thin' dinh kho

❑ Bat dOng san ❑ May m6c thief bi to

❑ Nha xtreng, CTXD clan dung ❑ ThAm dinh kho bdi ❑ Tai san khac

2. Khung gia/gia tri• VND

re,

PH

NA!

1

LienifietP f'stganh ‹NtKNV4 ,

Dia cliam•

a. Vi tri (doi voi Bat (long san):

b. Dia ban:

3. Thai gian dinh gia: Gia ngay thang nAm 20.. 4. Pluxung tin di lai: ❑ Xe may ❑ O to

Chuyen vien Khath hang Phang Khania hang/Phong Giao dieh

(10, ghi ri) hp ten) ghi ro hp ten)

2

benVietP s ° nfl

Dien thoai:

5. Ben The chap:

Dien thoai:

Phip nhan Ca nhan

Ten C8ng ty• Ong (ba.)•

SO CMND/HO chieu•

Va (chOng)•

SO CMND/HO chieu•

HO khAu thuong tni

GiAy DKDN so.

Ngtr61 4, then

Try ser

Phap nhan Ten Cong ty .

Ca nhan Ong (ba)•

rd.* DKDN so . Va (chang)•

Ngtrai dai din• I SO CMND/1-10 chieu• i

Try se. • HO khAu thubng trti•

l Dien thoai• Dien thoai .

SO CMND/HO chieu•

Mitt se: 11/QTCV

NGAN HANG THUONG MAI CO PHAN CQNG Hem XA HQI CHU NGHIA VIET NAM Erni DIEN LIEN VIET Doc lap - Tv do - 113nh phtic

—*— *4*

, ngay. ..thang. .nam

BE NGHI DINH GU

Kinh dinh gia - Nan hang Bun digs Lan Viti- Chi nhanh

Don vi de nghi dinh Phong Khach hang/PGD .... – CN

CVKH:

De nghi TO dinh gia thAm dinh tai san bao dam dm Khach hang theo chi tier nhu sau:

I. Thong tin Kilda hang:

1. Ben vay

II. Thong tin de nghi

1. Dinh gii TSBD, thim dinh kho

❑ BAt dOng san ❑ May moo thiet b, ❑ O to

❑ Nha xuong, CTXD dan dung ❑ ThAm dinh kho bAi ❑ Tai san khac

2. Khung gia./gia tri• VND

)

0 2 7

1

LientlietPostgarn: 41:AN ItANG Wt.') -?; 0- ItICIi'W.l'•

Dia diem.

a. Vi trf (d6i vai BAt thing san):

b. Dia ban:

3. Thai gian dinh gia: Gib ngay Chang nam 20..

4. Phuang tien di 14i: ❑ Xe may O to

Chuyen vien KWh hang Thong !Chian hang/Phong Gino *It

(10, ghi rd ho ten) (1(9, ghi ro ho Mn)

2

2

DenifietPostamtic Nttk.;IIAMi19...11:1)."0;;Iiir; ■

Mau sa: 12a/QTCV

NGAN HANG BULB DIEN LIEN VIET CLING HOA XA HQI CHU NGHIA VItT NAM CHI NHANH DO la, p - Ty do - liquh phtic

s6• ngiry. .thcing nam 20....

BIEN BAN TONG HOP t MEN CAC THANH VIEN BAN TIN DUNG

Can cif ho sa tin dung caa Khach hang ...;

Can cir Ta trinh therm Binh .......;

Can c&) kiln phe duyet cita cac thanh vien Ban tin dung Chi nhcinh;

Can mi.....

Ban tin dung thong ban ket Man phe duyet khoan vay nhu saw

1. TRANI-IN-IAN BAN TIN DUNG

1. Ong/Ba• Chat vu . — Truang Ban tin dung

2. Ong/Ba . Chile vu . —Pho truang Ban tin dung

3. Ong/Ba• Chirc vu. —Thanh vi8n Ban tin dung

5. Ong/BA . Chire vu. — Thu k9 Ban tin dung

H. KET LUAN CUA BAN TIN DUNG

Thing 9/Khong filing 9 cap tin dung veri Khach hang yeti cae nOi dung sau:

Ten khach hang

S6 tien cep tin dung/Han mire tin dung

Phuong thilc cho vay

Mx dich sir dung van vay

Thai han cho vay

Thai han khe is& nhari nq

Lai suit

Cac loai phi

Phuong thire tra nq gee

Phuong thirc tra lai

Hinh that giai ngan

Tai san bao dam tien vay

Bien phap pan 19 TSBD

...

lienVienlasig VFGAH HANG INV i,CN 1.104' VA I

Dieu kien khk

Nai dung khac

Da nghi cac Phong/ban nghiem toe thuc hien! (trithng hap khoan cho vay thuac thdm quyEn

phe duyet ciia Ban Tin dung.)

Kinh trinh Tang Gam dac/Hei (tang tin clung...../HO clang quart trj xem ?tot phe duyet! (trulmg hop khoon vay thuac thdm quyin phan quyit cite: Hai sot)

THU' ICV T/M BAN TN DUNG

TRUItING BAN

oc NGI

ONG

LIf YAp

lienVietPostflanl; Nrf.m; .A.4;;Ipp:“NLICri v!T

PHE DUVET CUA BAN TIN DUNG (V/v: Ccipt tin dung dot vai Khach hang... _tat Tet trinh thcim Binh so... .

MEN TRUONG BAN TIN DUNG (Thai gian cho y kik•

MEN PHO TRLYONG BAN TIN DUNG (Thai gian cho y kien• )

MEN THANH VIEN BAN TIN DUNG (Thai gian cho yf kien )

t MEN THANH VIEN BAN TIN DUNG (Thai gian cho y kien )

04

1N F MA

WE

3

::GAY HANG 110: !At, Mb 12b/QTCV

NGAN HANG 801 DIEN LIEN VIET —*—

HO! BONG TIN DUNG HOI So:

CONG HOA XA HOI CHU NGHLA VI ✓T NAM DOc 14p - Ty. do - 1131th phtic ***

, ngay thong.... nam 20.... .

BIEN BAN TONG HOP t MEN

CAC THANH VIEN HOI BONG TIN DUNG HOI SO/KVPB/KVPN

Can cu ha sa tin dyng caa Khach

Can ca ha sa them Binh va Bien ban tang hap .); kiln cac thanh Wen Ban tin dyng se ... ngay caa Chi nhanh/PGD...;

Can at Belo coo tai them d.inh ngety caa Phang Them Binh phia Bac/phia Nam;

Can cu net dung Phiiu phe duyet cua cac thanh vien Hoi clang Tin dyng Het ser/Khu yvc phia Bac/Khu yuc phia Nam ye viec cep tin dyng dai voi Khach hang... ;

Can ca....,

I. BE XUAT CAP TIN DUNG CLTA BAN TIN DUNG CHI NHANWPGD...

Ten Khach hang

Se tien cap tin dung/Han matt tin clung

Phuong thUc cho vay

Muc dich sir dung von vay

Thai han cho vay

Thai han khe utc nhan ng

Lai suAt

Cac loai phi

Phuong that tra no g6c

Phuang thirc tra lai

Hinh thdc giai ngan

Tai san ban dam tian vay

Bien phap quail ly TSBD

...

Dieu kiln khac

Nei dung khac

H. TONG HOP Y KLEN CUA CAC THANH VIEN HOI BONG TIN KING HOT SO/ICHU VI5C PHIA BAC/KHU VI/C PHIA NAM:

re ANi

)ItN VI

Th

LienifietPastaaith ItMgi f"0, Vtl

1. Thanh vien (Thai gian coy kien):

- 1 kien

2. Thanh vien (Thai gian coy ki6n):

- kien

3. ...

BT. KET LUAN CUA 110I BONG TIN DUNG HOI SO/KHU VUt PHiA BAC/KTIU VIX PHIA NAM:

T6ng hop y kien cat thanh vien, thay mat HOi dOng Tin dung HOi sollthu vuc phia Bac/Khu Niue phia Nam, Chit' tich HOi dung ket

1. Bang y/lcheing ang y cAp tin dung dei voi Khach hang.....v6i cac nOi dung nhu saw

S6 tien cAp tin dung/Han mdc tin dung

Phuang thirc cho vay

Mix dfch sir dung von vay

Thai han cho vay

Thai han khe trot nhan ng

Phuang that tra ng glic

Phuong that tra lai

Hinh thus giai ngan

Tai san bao dam tien vay

Bien phap quan ly tai san bao dam

Dieu kien giai ngan

...

Cac dieu kien khac

Cac nOi dung khac

2. Giam ct6c Chi nhanh /PGD... chiu ,trach nhiem tnroc Phap luat va HOi clang tin dung... ve viec guy& dinh va quan 1Y khoan cap tin dung tren theo dung quy dinh (Hoac Giam doe Chi nhcinh /PGD...

cap trdch nhiem that hien dung ode quy dinh theo phe duyet, trtrOng hop

Ichong Tong y cap tin dung)

Bien ban duct lap hoi ding ngly, cdc thanh vien HOi d6ng Tin dung HOi sa/Kbu vut phia Bac/Khu vut phia Nam da thong nhat nOi dung, mei thanh vien gia 01 ban.

THU' Kt T/M HOI BONG TIN DUNG HOI SO/ICHU

CHU TICH

3 PI

2

LtenliietPL Ntiatt Patti MR)

PHIEU PHE DUVET CAP TIN DUNG DOI VOI

KHACH HANG

Sau khi true ti8p nghien dm 116 so nhAn duct tir Phong Tham dinh ngay Thanh vi8n HOi ang tin dung HOi sa/Khu vuc...co y kien v8 vi8e cap tin dung nhu sau:

NQI DUNG ( BONG )" KHONG BONG 1'

BE NGHT TRIEU TAP HOP

PM duyOt CAp tin dung

Cat y kien b6 sung:

......, ngay (hang nam 201...

THANH VIEN

3

At

DenVietPastBLiin !...GAN PANG INN: NAl,N

Meru sd: 13/QTCV

NGAN HANG THUONG MAI CO PHAN CONG HOA XA HOI CHU NGHTA VIET NAM BISU DIEN LIEN VIET

DOc lap - Tu do - Hanh phac

/20.../TB-....-LienVietPostBank

ngay. [hang nom 201.....

THONG BAO KET QUA PHE DUVET KHOAN VAY

Kinh Reri: Chi nhanhiPhong Giao dich

Can dr ha sa tin dung czia Khach hang ....;

Can cu ha sa them Binh va Bien ban hop Ban Tin dung so net)/ czia Chi nhanh/Phang Giao dich... ;

Can cu ha sa them dinh czia Pluing Thcim Binh;

Can czi nei dung Bien ban tang hap y kien cac thanh Wen HOE clang Quan trifilai clang Tin clung HOE sa/Khu vvc Ngcin hang Buzz dien Lien Viet ngay

Can ca. t,

CAP PHE DUYET2 CO t MEN NHir SAU:

1. Dang y/Khong citing y cap tin dung del voi Khach hang ....voi cat not dung nhu sau 3 :

Han mire tin dung chung/SO tien cap tin dung

Mut dich vay yen

Thai han duy tri han mat

Thai han khe mit nhan no

Lai suet va phuong tharc dp dung lai suit

Phuong that giai ngan

Phuong that tra lai

Phuong that tra gee (Icy han tra ng, an han)

Bien phap bao dam tien vay

Dieu kien giai ngan

Dieu kien !chat

1 Thay d6i , be sung, b6 cac can cG cho phia hop vei Ping khoan phe duyet. 2 Ghi cap phe duyet thich hop: Wei clang Quan tri/H0i den tin dung Bei ser/H0i deng tin dung khu we/Ti ling Gana dec. 3 Nei dung trong th6ng bao la cac nei dung co ban nhat. Ghi cac nei dung phe duyet cv the, be sung hoac thay del tuy theo tong khoan vay.

1

UMW tPa auu

2.

3.

4. Giam dee Chi nhanh/Phong giao dich chiu trach nhiem tilt& Phap luat va Tang Gam clOc2 ve viec quyet dinh va quan ly khoan cap tin dung theo dung quy dinh cua Ngan hang Buu dien Lien Viet va. cua Phap kat (Hoac tnrong hop hi to ch .& ghi: Giam dee Chi thanh/PhOng giao dich chiu tech nhiem thirc hien citing thong bao ket qua pile duyet nay).

CAP PHE DUYT2

(KJ', ten, dung dciu)

4 Chinh Oa, be sung ho4c be nai nhan et; the the() quy dinh ctia Ngan hang.

Nai nhein: 4 - ChU tich HDQT; De - Cac thanh vien HDQT; bao - Twang BKS; cao - Cac thanh vi8n HDTDHS/KV...(ne'u do HDTD pig duyet); - Ban TGD; - Khei KTNB, Khei SP; - Kh6i PC, QLRR&PCRT - Pheng GSTD-PB/PN; - Chi nhanh/PGD ....; - Khei TD; - Ltru VPHSC.

2

0 0- LienVietP NIA_ r00, ,,h0; wjL. Mill 14/QTCV

NGAN HANG BUV DIEN LIEN VIET CONG HOA XA ROI CHO NGHIA VIET NAM

—*- Doc lap - Ty do - Ranh phite

PRONG TRAM DINH P.BAC/P.NAM **It(

s6. ,ngay %hang nath 201

BAO CAO TAI TRAM DiNH 1 viv.. De nghi phe duyet khoan carp tin dung dei voi Khach hang... ....

1. Thong tin Khach hang

T8n Kith hang

Try sa chinh

Gray chUng nhan Tang 1(1 kinh doanh

V6n dieu le

Ngu&i dai dien theo phap Iuat

Ngenh nghe clang k9 kinh doanh

Quan 4 tin dung tai Ngan hang But d* Lien Viet

2. De xuAt ctia Chi nhinh

Han mire cap tin dung

Muc ditch sir dung

Thai han duy tri han mire

Thai han cho vay t6i da tai khe ink

Phucmg thirc tra g6c, lai

Tai san bao dam

Phtrong dare ap dung lai suat

Phuong thdc giai ngan

Dieu kien khac

I Can be) thAm dinh bao cao ode nOi dung tai thtm dinh phit hap can dr vao ti ng khoan vay on the (d6i [agog, moo ditch vay von...)

Khach hang. 1

LienVietPostitaa Nr.:AN ■ tkvi ■. ■ wt hiN

3. De xuAt cfm Can bo Thin' dinh

De xuat phe duyet ding Yichang ding y cap tin dung vii cac dieu kien sau/hoac do nguyen than sau:

Han mire cap tin dung

Muc dich

Thai han vay van

Thai han tiii da rai kh8 wit

Phuong thin tra ncr g6c, [al

Tai san ban dam

Bien phap quail IY Si san bao dam

Phuong thac dp dung tai suAt

Phuong tithe giai ngan

Dieu kien khac

4. Tom tat flitting not dung titbit dinh dm Can bo Thim dinh

- Ve phdp ly (Chi tilt tai mite 2 cita Phy luc): Khach hang dOchang cid to each phap ly de thut hien giao dich, vay von tai Ngan hang Buu dien Lien Viet.

- Ve tinh hinh hoat do, ng, Si chinh (Chi tilt tat myc 3 clia Phy lye):

+ Trl linh vire, tinh hinh hoat clang..

+ Vl tinh hinh tai chinh:

- Vl quan he viz cac Tull) (CM tilt tai myc 3 cita Phu lye):

+ Quan he, giao dich vezi the TCTD: Uy tin/khong uy tin.

+ Quan he, giao dich vol Ngan hang Buu Bien Lien Viet: Uy tin/khong uy tin.

+ Xlp hang tin dung:

- Ve phuong an kinh doanh (Chi tilt tai time 4 clia Phu lye):

+ Deinh gia phuang an:

+ Danh gni dl xudt cap tin dung: phi' hap/khong phi' hop vii nhu cdu tin clung Sc Cong ty. LY do didu chinh (niu c6).

+ Bien phap quan 1j5 ngudn tra no:

- Ve tai san bao dam (Chi tilt tai myc 5 - Phy lye):

Rai ro acing yeu (chi tilt myc 6 - Phy lye):

Itbr

3° - s„,

Kluich

2

acs HenVietPosifiag:

5. IT kin cua LAnh ciao Phong Thim dinh phis Bac/phia Nam

Kinh trinh.

PRONG TRAM DINH P.BAC/P.NAM

CAN BO TRAM DINH

TRUONG PHONG/PHO PRONG

ir/ IGEN CUA LAN! DA0 KHOI TRAM DINH

ICHOI TRAM DINH

GIAM DOC

Khach hang.... 3

LienVie P Rani; NO.W; HMO IWU LIN NCI

CAN di' BE XUAT

(Phu lye dinh kern MD cao ngay.... cita Phdng Tha'm dinh .....)

1. Tinh trang hO so

Ngay nhan ha so lAn dau den:

Ngay di thuc to khach hang:

NO), nhan ha so va thong tin cuai cling tir Chi nhanh:

Ngay nhan Bao cao ket qua tharn dinh gia:

Chi nhanh chiu trach nhiem ve tinh day du, chan thgc, hasp le, hap phap va thong nhAt cua cac ho sa, thong tin cung cap.

2. 'Dr each Oar, Icr cim Gang ty

Nhan xet, danh gia ve ha so phap IY trong Ter trinh thAin dinh dm Chi nhanh:

Nhan xet elm Can ba Tai than .' dinh ve to each phap ly cua IChach hang:

Cac you cau be) sung:

3. Tinh hinh tii chinh va boat do, ng san xuat kinh doanh cfia Cling ty

- Nhan xet, danh gia ve timg not dung trong Ta trinh thArn dinh dm Chi nhanh:

Nhan xet cila Can 1)0 ThAm dinh ve tinh hinh tai chinh cda Doanh nghiep:

Cac yeti eau la6 sung: 4. Phtrung an vay von

Nhan xet, danh gia nOi dung trong To trinh thAm dinh dm Chi nhanh:

Nhan xet dm Can b .° Tham dinh ve phucmg an vay Ck you eau la6 sung:

5. Tinh hinh-bao dam tien vay

TM san bao dam theo de xuat caa Chi nhanh:

Nhan xet dm Can 1)0 ThArn dinh ve bien phap bao dam tien vay:

+ Ve ty 1e cho vay tren gia tri tai san bao dam:

+ Ve cac bien phap quan Iy tai san bao dam:

+ Cac de xuat khk:

6. Dinh gia rui ro khoan cap tin dung

Then My la cac ji kiln 60c lap cua Pining Thant dinh

Kink btio cao.

41

iN

OF

N

Psi

Khach

4

lienlifetPostnank HAN:i PP/ IgNUCN 4.*t

15/QTCV

NGAN HANG THirCfNG MS CO PHAN CQNG HOA XA HQI CHU NGHIA VItT NAM BUU DIEN LIEN vigir DOc 14p - Tir do - 114nh phtic

***

,ngay. thong...... nom 201....

THONG BAO CAP TIN HUNG

Kinh

Phtic dap HO sa de nghi vay vein cua QuY khach hang, Ngan hang TMCP Buu Dien Lien Viet (LienVietPostBank) — Chi nhanh/PGD tran tong a -thug boo:

1. Deng 5/ cap tin dung cho QuY, Khach hang vdi nOi dung va dieu kien sau:

So tien vay:

Myc dich vay:

Thai han vay:

- Lai suat:

Loai tai suat: Phuong thirc tra no:

Dieu kien giai ngan•

Phucmg that rut tien vay:

- Tai san boo dam: Dieu kien bo sung. )0

▪

6

2. Th8ng bag cap tin dung nay co hieu lurc den ngay... 'ANG Tran trgng cam an Qu9 khach hang da sir dung dich try cua Ngan hang Buu dien Li6n Viet! c,6I

❑ Deng 9 town bo nOi dung va dieu kien cap tin dung nen ten.

❑ Kining Sing

❑ Y kik khac

Ngthy thong ... nom .

Doi di4n khach hang (44 ghi re- ho ten va clang clau, neu co)

104 Di nghi Quji khach hang vui Mng xac nhan DAI DItN NGAN HANG VII vim muc cluoi day va giti tai cho a.....

g ghi Pa ho ten viz clang dciu) IN) LienVietPostBank truck ngety ...

(K

lienIfiet1os . ° ,1 16/QTCV ■ 01/4s,..; at.p.■ cq , ' ■■

NGAN HANG THLIONG MAI CO PHAN CQNG ROA XA HQI CHU NGHIA VIET NAM BLit DIEN LIEN VIET DOc Iap - Tty do - Hgnh phlic

111-11-*

. ,ngay... .....thang... ....nom 201.....

THONG BAO

Kinh gitc i •

Ngay..... thang.....nam 200...., Ngan hang TMCP Bun Dien Lien Viet (LienVietPostBank) - Chi nhanh 0 nhen dirge Gity de nghi vay von va H6 so kern theo cua Quy Khach hang.

Ngan hang cluing CO! dal tien hanh xem 'cat tham dinh H6 so khoan vay teen Ca so the quy dinh cua Phap Luat va LienVietPostBank

ChtIng toi rat dee chua dap ling dirge nhu cau vay v6n cua QuY Khach hang vi met Of 1Y do sau day:

1. Ve he sa:

2. Ve Du an (Phuang an vay v6n, tra no)•

3. Ire kha nang tai chinh va nguOn tra no:

4. Ve tai sari bao dam teen vay:

5. Nhang ly do khac

Chung t6i rat mong duce cung cap nhang khoan tin dung khae cho QuY Khach hang a, trong thai gian

Iran trong cam an sy hop the oh Quy Khach hang!

DAI DIN NGAN HANG sT

Ncri nhan: (Kii ten va clang cau) - Nhu ten,

- Lau HS,

- Luu VP.

I

DellifietPaarnanif Miu sin 17/QTCV

CQNG HOA XA 110I CHU NGHIA VIET NAM Dew - Tydo - Haub pink ***

HQP BONG TIN DVNG

SO. /HDTD-LienVietPostBank....

Henn nay, ngay tgi. . hai ben grim:

BEN CHO VAY: Ngan hang TMCP Buu Dien Lien Viet (LienVietPostBank) - Chi nhanh/PGD

Dia chi:

Dien thoai: Fax:

Do Mg, N.: Chat vv . lam dal dien,

BEN VAY:

City CNDKDN/CMTND so: Ngay cap: ./ ./ . Nai cap:

Dia chi:

Dien thoai: Fax:

TK den Wei VND s6: tai Ngan hang.

TK tien girl ngoai to se: tai Ngan hang.

Do 'Ong, ba: Chirc vv: lam dal dien, Theo Giay uy quyen s6• ngay / /20 cda

Sau khi thda thugn, ckc ben thong nhcitigi Hap clang tin dung yeti ccic didu khohn sau day:

Dieu 1. SO tien cho vay va muc dich sir clang tien vay

I. LienVietPostBank cho Ben vay vay s6 tien la: (Bang chit:

Phuong tilde cho vay

2. Ben vay sir dung so von vay vao mac dich: 2

Dieu 2. Thai han va lai suat cho vay

1. Thai han cho vay la. 3 ke tir ngay Ben vay bat du nhan tien vay (ky den Khe dot nhan no).

2. Lai suat cho vay .

3. Plarang tilde ap dung lai suat: 4

Ghi cu the plurong thirc cho vay.

2 Ghi cc' the muc dich sir dung tien vay, khong &roc ghi chung chung la de san xuAt, kinh doanh. 3 Ghi se ngay, thong hoac nam.

4 Ghi theo guy dinh &la Ngan hang trong tirng thai ky (lai mitt co dinh trong suOt thbri han cho vay; lai sat dinh ky thay dai trong thbi han cho vay hoac lai suat ket hap gitta hai phirang tit tron).

1

benVietPostilarr1/4 tiriAr: 1W:riff:1J irrr;‘,11.1Crr at

4. Lai suit ng qua han bang lai suit trong han.

Die'!" 3. Giai ngan

1. LienVietPostBank ma cho Ben vay tai khoan tien vay theo del, hack town se tien vay, tra ng va chi giai ngan cho Ben vay sau khi da hob thanh moi this tyc ve bah dam tien vay.

2. MOi khi c6 nhu eau rut von vay, Ben vay bao fru& cho LienVietPostBank it nhat hai (02) ngay lam viec (tit truing hqp khoan vay chi rut den mgt Ian) va ky Khe ix& nhan nq cling nhu the chUng to lien quan theo mau cua LienVietPostBank.

3. Hinh thirc giai ngan: 6 Ben ,vay thanh town cho

LienVietPostBank the Chi phi lien quan den viec giai ngan nhu phi chuyen tien, telex,... theo thirc to phat sinh.

4. Kt hoach rat von vay nhu saw 7 - Ngay, thang Rut se tien.

- Ngay, thang Rot se tien.

5. LienVietPostBank co the xem xot cho Ben vay rat , yen tar& thai han ghi tai khoan 4, Dieu nay. Sau thai han nay, neu Ben vay muon rut von thi chi dupe rut von khi c6 sir Sing y cua LienVietPostBank va tru6rc khi rut von phai tra Phi earn ket bang 8

6. Cac chi phi lien quan den viec giai ngan do Khach hang chin. x Dieu 4. Tra nq gee va Jai

I. KY han tra ng goc, thbi gian an han:

- Ngay, thang 9 Tra se tien:

- Ngay, thang Tra so tien.

2. Ky han tra lai, thai gian an han: 10

3. Neu Ben vay tra ng g6c truck han, thi phai thanh toan cho LienVietPostBank se Phi tra trir6c han bang 11

4. Neu B8n vay tra lai cham, thi phai thanh than cho LienVietPostBank se tien cham tra lai bang 12 . /ngay gia tri so Iai chain tra.

5. LienVietPostBank thu nq theo this to duti day hoac co quyen dirge thay d'ei this tir thu ng:

5 Ghi theo quy dinh hien hanh cita Ngan hang. Truemg hqp khang c6 quy dinh, gqi y ghi bang 150% hoac ty 14 khac theo thoa thuan vei Kith hang.

6 Ghi chuyen khoan, sec, tien mat (chi giai ngan tien mat trong trueng hop ngtrei thy huarng kW:Mg c6 tai khoin tai Ngan hang hoac you cau nhan tien mat phis hqp vei muc dich sir dyng von vay).

7 Ghi cc' the ngay, thing narn hoac ghi thang va nam hoac ghi quy va

8 Ghi theo quy dinh hien hanh, ctia Ngan hang. Twang hap kh6ng c6 quy dinh, gqi c6 the thoa [hub vei Khach hang khoan Phi cam ket nay bang to 0,1-0,5% tinh ten s6 tien cham rut von, dac biet la cho vay trung, dai han.

9 Ghi ngay, thang, nam hoac ghi thing va nam; tremg hqp nhieu IcY han thi c6 the dim vac) Phu lye Hop clang.

I° Ghi tra tit ngay 25 den ngay cuOi hang thang, hang quy hay theo kY han tra g6c.

" Ghi theo quy dinh hien hanh cua Ngan hang. Trueng hop kh6ng co quy dinh , thy theo ding Khach hang, gqi c6 the th6a thuan mire Phi tra truce han bang 0-90% mire lai du tinh phai tra trong khoing thei gian tra [rube

han, dac biet la cho vay trung, dai han..

12 Ghi theo quy dinh cela Ngan hang. Tatting hqp khong co quy dinh, gqi y c6 the th6a thuan vei Khach hang 36 tMn cham tra lai bang to 0 den 0,1%/ngay gia tri nhung tong so thyc thu Ichong vugt qua 5% so rai cham tra.

2

bentlietPastilanli ell u.41 tov';!!!!vu'o(u!ICriwIL:

a) Tra cac loci phi phat sinh theo Hop dong nay;

b) Tra lai, lai phat qua han (neu co);

c) Tra ng

6. Ben vay c6 the tra ng bang loaf tien kit vaf loai tien da vay khi dirge so Ong 9 tha LienVietPostBank.

Dieu 5. Dieu chinh Icy han no, gia han ng Nth chuyen ng qua han

1. LienVietPostBank c6 the dieu chinh lcY han no da neu tai khoan I va khoan 2, Dieu 4 Gila Hop Ong nay trOn co se; xem xet dO nghi ctia Ben vay.

2. Truk ngay cuol cnng cua ky han tra ng, neu B8n vay chin c6 kith. /fang tra ng, thi phai gin Giay de nghi gia han no cho LienVietPostBank. Neu khong Ong y cho gia han ng thi LienVietPostBank se chuyen sang ng qua han va Ben vay phai chiu lai suat no qua han.

3. Neu Ben vay kh8ng tra no Ong han va kh6ng dirge LienVietPostBank Ong 9 drat chinh ky han hthe gia han ng, thi LienVietPostBank se chuyen town be du ng gee con lai cua khoan vay sang chiu lai suat qua han khi den het than han cho vay theo thth thuan tai khoan 1, Dieu 4 dm Hgp (long nay.

4. Khi co Giay a nghi dieu chinh ky han no, gia han no, Khkh hang phai tra Phi dieu chinh Icy han ng, gia han ng 13 deng/lan.

Dgu 6. Bien phap bao dam tien vay

1.

2.

Khoan vay dirge bao dam bang bien pithy; 14 tai san saw 15

Cac !lei dung co the ve bao dam tien vay doge thoe hien theo thoa than tai hop ding bao dam se. ngay / /20 6

Dieu 7. Quyen va nghia vu dm Ben vay

1. Quyen dm Ben vay:

a) Dirge rut vein kip thOi theo Ke hoach rut von neu tai Dieu 3 cila Hgp Ong nay.

b) Dirge tit chtii the you clu ena LienVietPostBank kitting dung voi cac thoa the trong Hgp Ong nay.

c) Dirge tra no tarot han theo thoa thuan tai cac khoan 1, 2 va 3, Dieu 4 cila Hey Mng nay.

d) Dirge khieu nai, khai kien d@ yOu cau bOi thirOng mein thiet hal phat sinh do LienVietPostBank khong Owe hien haat thoc hien khong Ong Hgp Ong nay.

e) Dugc hoeing cac quyen khac theo quy dinh cda Phap luat va Hop Ong nay.

2. Nghia vu ciaa Ben vay

a) Cung cap day da, trung thirc, kip that va hoan town chiu trach nhiem ve tinh chinh xac ena cac tai lieu, thong tin can thief lien quan den kholn vay theo y8u eau cna LienVietPostBank.

13 Ghi theo guy dinh hien hanh cUa Ngan hang. Trufmg hap khOng co quy dinh , ggi y thea thus voi Khach hang to 0 den 50.000 cthng/lin

14 Ghi met hoac d(ing tiled cac bien phap cam co, the chip, bao

16 Liet Ice ten cac tai san bao dam tien vay.

16 Neu di ky Hgp ding bao dam den vay thi ghi vio.

3

DenVietPusiffank !SAN HANG Wit) Cq-I4 (10: Ytt

b) Hoan tat cac thtl tyc ve bao dam den vay va cac thu tyc khac có lien quan theo yeu can cda LienVietPostBank Um& khi nhan tien vay.

c) Ser dung van vay theo thing muc dich da neu tai khoan 2, Dieu 1 dm Hop clang nay.

d) Sir dung m9i ngulin thu tit san xuat, kinh doanh, dich vu de tra no cho LienVietPostBank; truong hop doanh thu kh6ng di; de tra nq, thi phai sit dung cac nguen von khac de tra chi gOc, ldi va cac khoan phai tra khac cho LienVietPostBank.

e) Thgc hien viec tra no goc, Idi va cac chi phi khac day dia, dung han cho LienVietPostBank va chiu moi chi phi phat sinh trong qua trinh thyc hien Hop ding nay.

f) ThOng bao cho LienVietPostBank trong theri han thm (05) ngay lam viec khi phat sinh mat cac truang hop sau:

Ke tir ngay co chit tnrcmg ve viec giai the; chia, Lich, hop nhAt, sap nhap, chuyen do' i sty hffu;

D6i ten hoc dia chi; thay do' i nguti dai dien theo Pilau lust, ngtrai dirng diu co quan quan tri, dieu hanh, Ice toan throng;

- may dai ve van diau ma them tai khoan tien girl tai Ngan hang khac;

Thay doi muc dich, quy mo cua Dy an du tit, Phtrong an san xuat, kinh doanh, dich vu xin vay von;

Thay dal va tinh trang tai san bao darn tien vay;

- Cac vu kien kinh te, dan sir ma Ben vay la bi don hoe nguoi co quyen lgi, nghia vu lien quan;

Cac sit kien khac lam anh htrerng den tinh hinh tai chinh, tai san va kha nang tra no dm Ben vay.

Thyc hien cac nghia vu lien quan theo quy dinh cda Philp luat khi LienVietPostBank ban no cho to chirc, ca nhan khac.

h) Thyc hien cac nghia vg khac theo quy dinh cua Phap Itht va Hop Tang nay. .7, Dieu 8. Quyon va nghlia vu tha LienVietPostBank

I. Quyen cua LienVietPostBank

a) Duce you cAu B8n vay va ngugi bao larch (lieu co) cung cap town 60 tai lieu, thong tin can thiet lien quan den khoan vay.

b) Owe dinh 1c5/ hoc dot xuat cir Can 130 tin dung va nhimg can b0, than vien co lien quan lam viec vai Lanh dao Ira can 1,0, nhan vien dm Ben vay de thyc hien kiem tra, giam sat tinh hinh tai chinh, , tai san, qua trinh vay van, sit dung von vay va tra no ctla Ben vay; Tai san bao dam tien vay va cac van de khac co lien quan den khoan vay.

c) Ducc chAm dirt viec cho vay va/hodc thu hOi mot phAn hodc town bo von vay tinge han khi xay ra mat trong cac truerng hop sau:

Ben vay cung cap tai lieu, thong tin sai sv that;

Ben vay sir dung van vay sai muc dich;

Tai san bao dam den vay kh6ng con hoe bi giam gia tri can bao dam cho du no cua khoan vay;

Ben vay khong tra g6c, lai vay theo cac thoa thuan tai cac khoan 1 va 2, Dieu 4 ciia Hop Eng nay;

4

g)

St /

LieuVietPas ntaq IlkNO MAP 0.;9:11C4 n-iCr

Ben vay hodc nguti bao lanh (neu c6) chit, mat tich; giai the, mat kha nAng thanh toan hodc co cac vu kien de doa den tinh hinh tai chinh chinh, tai san va kith rang tra no dm Ben vay hodc cua ngubi bao lanh;

- Ngueri bao Idnh (neu c6) kitting con kha 'tang thuc hien hok khong thoc hien dung met phAn hay toan be nghia vu bao lanh dei \Lai LienVietPostBank;

- Ben vay vi pham bAt ky thoa thuan nap khac trong Hop deng nay hodc Hop deng bao dam tien vay.

d) Dirge quyen trich tai khoan tien gui hodc bat kSi tai khan nao khk cfm Ben vay ma tai LienVietPostBank va cac to chirc tin dung khac de thu no khi den k5f han tra ng hoac khi phai thu no tar& han.

e) Dugc ban met phan hay toan be khoan no theo Hop diAng nay cho to chirc, ca nhan khk theo quy dinh ctia Phap luat ve mua, ban no ma khong can c6 so thing 3 1, dm Ben vay.

f) Dugc khieu nai, khOi kien yeti au bei thuang moi thiet hai phat sinh do Ben vay khong thvc hien hodc thoc hien kitting dung Hop deng nay.

aloe huOng cac quyen khac theo quy dinh ctia Phap luat va Hop deng nay.

2. Nghia vu cua LienVietPostBank

a) Giai ngan ddy cid, kip thai theo Ke hoach rut yen cm neu tai khoan 4, Dieu 3 ctia Hop Ong nay, sau khi Ben vay cid cung cap GM cac chfrng tu , tai lieu ye 461 tugng thu hieing tien vay va thttc hien day du cac thit toe ye bao dam tier' vay. AGO

b) Luu gift H6 sa cho vay va thoc hien bit mat thong tin ve Ben vay theo quy dinh oda ,(15G 1 Phap luat va thoa thudn veil Ben vay. 51

c) Bei thuang thiet hai cho Ben vay neu do LienVietPostBank vi pham Hop ding gay 1,1t nen. 4tA *aft

d) Thoc hien cac nghia vu khac theo quy dinh cua Phap luat va Hop deng nay.

Dial 9. Cac thoa thuan khac (neu c6)"

Dieu 10. Dieu khoan thi hanh

I. Hai ben c6 trach nhiem thi hanh nghiem chinh Hop thing nay. Cac tai lieu kern theo nhu Don de nghi vay von, Khe irk nhan no; HO so ye the chap, cam c6, bao lanh, van ban ye gia han ng, dieu chinh kS/ han no va cac tai lieu lien quan !chic to be phan khong tach reri dm Hop riling nay.

2. Moi sfra dei, be sung Hop &Ong nay chi c6 gia tri phap 117 khi dugc hai ben thong nhAt bang van ban.

3. Moi tranh chdp phat sinh trong qua trinh auto hien Hop deng nay se duqc hai ben trao do' i thuong lugng, neu khong giai quyet throe thi se khoi kien ra Toa an theo quy dinh ctia Phap luat.

4. Hop (long nay dugc lap thanh 03 ban c6 gia tri nhu nhau, LienVietPostBank gift 02 ban, Ben vay gift 01 ban; Co hieu loc Ice to ngay IcYr cho den ngay Ben vay tra het ng goo, !di va cac chi phi c6 lien quan khac cho LienVietPostBank.

HAI DIEN BEN CHO VAY DAI DIN BEN VAY"

17 Cat them. than !chic giira LienvietPostbank va Khach hang kh6ng trai v6i quy dinh elm Phap luat va ctia LienvietPostbank. 18 LA Ca, nhan, Chu h6 float T6 truarng d6i voi cac Khach hang khong phai la doanh nghiep, Phap nhan.

g)

UenitietPastgank PANG IfOUIA ,J'AC I

Mils I8/QTCV

CONG HOA XA HOI CHI) NGHIA VItT NAM

DO rap - Tit do - Hanh phtic

GIAY HE NGHI GIAI NGAN (Danh cho Khach hang Doanh nghiep)

Kink Ngan hang TMCP Buu Dien Lien Viet — Chi nhanh/Phong Giao dich.....

Chung toi la:

Ten Doanh nghiep:

Dia chi tru se:

De nghi Ngan hang giai ngan cho chung toi theo Hop clang tin dung s6 ngay .../.. (sau day goi tat la Hop deng tin dung) da ky giva Ngan hang va C6ng ty chung

cu the nhu sau:

1. S6 tien clugc vay theo Hop ideng tin dung la:

2. SO tien da nhan no la:

3. S6 tien a nghi giai ngan Ian nay

4. Plurang thirc giai ngan:

5. Ngay de nghi giai ngan: tiled hen vay

6. Mk dich sir dung von.

7. Gin)/ to chting minh muc dich sir dung von vay

8. Lai sat cho vay , thay dei theo quy dinh dm Ben Ngan hang.

Chung Col xin cam doan:

1. Chip thuan cac yeu du, dieu kien giai ngan oda Ben Ngan hang.

2. nue hien dung, day da cac nghia vu 461 v6i Ben Ngan hang phat sinh tit Hop 'ling tin dung, Khe u6c nhan no va cac van ban lien quan.

3. Cam ket vo dieu kien dUng moi nguon thu va tai san cua minh de" tra My du, dung hen moi khoan no cho Ben Ngan hang. Trueng hop Ben Ngan hang c6 y8u cAu, chting toi se to nguyen ban giao cho Ben Ngan hang cac tai san bao dam va cac tai san khac thuec quyen se him, sir dung hop phap ctla chimg toi de Ben Ngan hang )(Cr 19 thu hei no, cluing toi cam doan lchong c6 bat k9 tranh chap, khieu nai, khieu kien nao doi v6i Ben Ngan hang.

ngay.... thang.... nam...

DAI DIEN BEN VAY

(K), ghi hp ten, clong

1

LlenVICIPOStrianli N u I ICN car

Miu so: 19/QTCV

CQNG HOA XA HQI CHU NGHiA VLPT NAM

Doc lap - Tu. do - Hanh phtic

GIAY HE NGHI GIAI NGAN (Danh cho Khach hang ca nhan)

Kink Red: Ngan hang TMCP Buu Dien Lien Viet — Chi nhanh/PhOng Giao dich

Mich/ring toi la:

Ho va ten:

Dia chi:

De nghi Ngan hang gial ngan cho toi/chting toi theo Hqp d'Ong tin dung so ngay .../.../.... (sau day goi tat la Hop thing tin dung) da Icy girra Ngan hang va toil chUng toi, cis the nhu sau:

1. S6 den dug° vay theo Hop dOng tin dung la.

2. SO tien dA nhan no la .

3. S6 tien de nghi giai ngan Ian nay.

4. Phuong thirc giai nary 334

5. Ngay de nghi giai ngan: thoi han vay. NG

CLC 6. Misc dich sir dung von. EN 7. Giay tb chi's/1g minh muc dich sir dung von vay. VT

8. Lai sun't cho vay thay theo quy dinh cila Ben NgAn hang. •14`

Toi/Chting toi xin cam doan:

Chap thuan cac yeu cau, dieu kien giai ngan dm Ben Ngan hang.

Tillie hien thing, day cid cac ngfria vu doi voi Ben Ngan hang phat sinh rir Hgp ang tin dung, KM' uarc nhAn nq va the van ban lien quan.

Cam lc& v6 di'eu kien dung mgi ngutm thu va tai san cda minh de tra day do, dting han mgi khoan no cho Ben NgAn hang. Truang hgp Ben Ngan hang co you cau, chting toi se to nguyen ban giao cho Ben Ngan hang the tai saRbao dam va cac tai san khk thuOc quyen see him, sir dung hgp phap cua toi/chimg toi de Ben Ngan hang xer ly thu hei nq, toi/chting toi cam doan Wong co bat Icy tranh chap, khieu nai , khieu kien nao dOi vo'i Ben Nan hang.

ngay.... thang.... slam_

BEN VAY

(KA ghi 1-5 hp ten)

1

I ► nitietPos Miu Si: 20/QTCV

NGAN HANG THUONG MAI CO PHAN CONG HOA XA HOI CHU NGHIA WET NAM Mit DIEN LIEN WET

Dik - Ttplo - Ranh phfic —4— ***

TO TRINH DE NGHI GIAI NGAN (Lan gicii ngan Mir .........)

Kinh trinh : Giant dee Ngan hang Buu dien Lien Viet – Chi nhanh/PGD

- Can de Hop clang tin dung

- Can cu cld nghi giai ngan clue Khach hang;

Can

Ban Khach hang kinh de nghi Giam thic phe duyet giai ngan cho Khach hang nhtr saw

1. Khach hang vay van:

2. Han mire Ngan hang phe duyet va han mire tin dung can dugc sir dung theo phe duyet cua Khach hang la:

Don vi tinh VND

Khan mac Han mut &rot

A cap

Du' nq MO tai Han twit con 'luny sti

thing

Vay ngin han

Vay trung dai han

Biro lath

Mat L/C

IChac

Tang cQng

Trong do: Han mire cho vay ngAn han/LC/Bao lanh la: VND.

- Du ng hien tai la: VND USD

- Han mitt con dirge sir dung IA: VND.

3. Nai dung de nghi phe duyet cho Khach hang lAn nay':

VND guy cthi

- So tien giai ngan:

VND/USD (Bang cha: )• Muc dich sti dung von vay:

Thai han cho vay: thang (ngay den han / / );

Lai sat cho vay: %/nam.

NOi dung trong mau mang tinh chit ggi y. Ghi ro nOi dung de xuat phu hap dal voi Tung trtrZyng hqp cu the.

ti

1

❑enVietiThst 0,4G lilitj!.>(14:1Cc

- Phuong thirc dp dung !Ai suat: Dieu chinh theo quy dinh ciia Ngan hang.

- Lai suat qua han: 2

- Phuang thirc giai ngan:

0 Tien mat: VND

Chuyen khoan: VND/USD den nguai thy huong la . Tai khoan so tai Ngan hang

- Thai gian giai ngan du kien: Ngay

4. Bien pilaf) bao dam 3 :

- K9 ply:

- Cam ca/the chap bang Tai san:

- Bao lanh:

- Khac•

5. Thong tin CIC cten ngay

- Tang du ng tai cac TCTD: . Trong do:

• Ngan han

• Trung dai han

• Cho thud tai chinh

ChAt luting du ng.

6. Thong tin ve tinh hinh tai chinh den thai diem Qu9 gan nhat:

(Dan

Chi tieu co' ban Thai diem bao cao Thai diem bio do Ghi chili

Tang doanh thu

Tang tai san

Van chil so. him

Lai nhuan sau thud

Tang ng vay

Tang vay ode NH

7. Cie van de/thong tin khic can km 9:

Sau khi kiam tra ha so giai ngan, muc dich sir ,dung van, CVKH xet khoan vay dir dieu kien vay von. Kinh trinh Giam Mc xem xet chap thuan giai ngan khoan vay nay theo not

2 Ghi ro mire lai suat phat theo quy dinh hien hanh ctia Ngan hang (Ggi y: 150% !di suat vay trong han tai thbi diem chuyen qua han.)

Ghi ro cac Men phap bao dam cy the hien tai, the bien phap bac, dam be sung (neu c6), ten tai san bao dam, gia tri, ty le bao dam, tinh trang hO so the chap (thyc hien dimg/chua Mang Ulu rye the chdp the° quy dinh cua Ngin hang)._

2

LienVietPUStgarth ■ MG 04NLINfte

dung teen.

Ghi chic Kern theo Giciy di nght glen ngcin nay la Danh nine ha scr gild ngdn khodn vay.

CHU-YEN WEN ICHACH HANG TRU'ONG PHONG MUCH HANG

Xac nhan deo! Ban Quan Li, Tin dyng Chuyen viOn QLTD

TRUONG PHONG QLTD

Than thir hurl mut

EM nghi gidi ngdn

Ccic cluing to can

0 Da'y dri

Co

0 Thing phe duya

ba sung (nAu có):

1-1/3

sa giai nen 0 Khong day dn.

U Kheng.

0 }Ching dung phe duyet

PRE DUVET CUA GIAM DOC

3

,

EtetlifletPast,_ Nr:AN it-NO

u sin 21/QTCV

NG 'AN HANG THUIING MAI CO PHAN GONG Hem xA iv! attNGITIA VIET NAM SITU DIEN LIEN 'VIET Dix 14p - Tv do - II#nh phtic

444

PHIEU KIEM TRA MUC DiCH Se DUNG VON (l dung cho Khdch hang Doanh nghie:p viz Khach hang Ca nhein)

Horn nay, ngay ./. /201 ., tai chUng fel gem:

1. BEN CAP TIN DUNG - LIENVIETPOSTBANK

Ngtrai dai diem

Ong/ba. Chtic vu:

Ong/ba• Chile NT:

(dual clay got tat la Ngein hang)

2. BEN DUVC CAP TIN DUNG

Khach hang:

CIF:

Dia chi:

(dual clay got tat la Khach hang)

Ben Nan hang tien hanh kiem tra viec sa dung von dm Ben Khach hang theo Hop thing tin dung/Khe trot nhan ng sau:

- Hop ding/Kilt trot/Gray nhan ng se. ngay. / /

- Se den vay: Thai han vay:

- Muc dich vay:

- CVKH pint trach khoan vay:

Cac chang to gidi nen bao gem (ban sao Binh kern):

❑ UST nhiem chi ngay

❑ GiAy nep Wen vao ngan sach nha nude ngay

❑ GiAy linh tien mat ngay

❑ Lenh chuyen tien ngly

❑ Cac chang tir Ithac:

Cac chung tit sir dung van vay cua Khach hang bao gem (ban sao Binh kern):

❑ Hop thing mua ban se. ngay / /

❑ Hod don mua hang (Ma. clan VAT/hoa don ban le) se)• ngay / /

❑ GiAy Bien nhan se. ngay / /

lienviewastaan

❑ Phieu nhap khoMien ban ban giao hang h6a: so ngay.../ ....../.....

❑ Giay chimg nhan sa him tai san (Bang ky xe, Giay chi:mg nhan Quyen sir dung dat va Quyen sa him nha a, Giay chting nhan Quyen sir dung dat, ): so cap ngay

❑ Cac chirng tir khac•

Kiem tra sir dung On vay thac t6:

❑ Hang hoa, vat tu, thiet bi Khach hang ,mua day di' ve se luong, qui each, chat Itrong, rriau ma dung theo phuong an, du an dau to oda Khach hang.

❑ Tien di) xay dung, au to cua Khach hang khOp vat tien do giai ngan (voi nhiing Khach hang vay von dau to trung, dal han).

- Cac y kien khac•

- Xac nhan cua Khach hang ve viec sir dung von vay:

❑ Khach hang sir dung On vay dung muc dich xin vay theo phuong an kinh doanh, du an dau

❑ Khach hang sir dung von !thong citing veri muc dich xin vay theo phuong an kinh doanh, du an dau to va giai thich nhu sau:

- Cac y kien, kien nghl cua Khach hang lien quan an khonn vay

- V kien khac

Dai dien Ben Khach hang Dui dien Ben Ngfin hang

(KJ', ghi hp ten, *ling deiu) Chuyen vien KH Lath duo PKH/PGD

HQ ten: He ten:

Ngdy mincing—Wm Nay ....theng....nam

lienlhetRas, ffian miu 22/QTCV

NGAN HANG TWANG Ivitg C6 PHAN CQNG Hem XA HQI CHU NGHIA VIET NAM BM DIEN LIEN VIET Dee lap - Tn. do - Hanh phfic

***

BIEN BAN KIEM SOAT DINH Kt (Doi vol Khach hang Doanh nghiep va Khach hang Ca nhan vay vein san xuat kinh doanh)

Ham nay, ngay /.. ./201 tai chting t6i gam:

1. BEN CAP TIN DUNG - LIENVIETPOSTBANK

Ngtrai dai then:

Ong/ba• Chirc vu:

Ong/ba . Chtic

(duel day goi tat la Ngiin hang)

2. BEN DU'QC CAP TIN DENG

Khach hang:

CIF:

Dia chi:

(du& clay got tat la Khach hang)

Ben Ngfin hang tien hanh kiem tra hoat Ong rim Khach hang, cu the nhtr sau:

1 Nhffng thay di trong hoat clang dm Khach hang

NhAn xet (nhan 'cat cu the nhfing /nue ca thay d6i,

kern ban sao cac giAy to chimg minh, neu ca)

1.1 Ca au to civic oh Khach hang a. Doanh nghiep

❑ Loal hinh kinh doanh (chuyen dal, chia Lich, sap nhAp, giai the,...) ❑ Quin tri dieu hanh (HDQT, dai dien theo phap 101, dai dien giao dich vai ngan hang, Ban TGD, Ban GD, Ka tan trtrang) ❑Nganh nghe hoat clang ❑Co &mg, ca cAu sa Mu, van

b . Ca nhan kinh doanh ❑Ten ha kinh doanh ❑Nai CU tro caa Khach hang ❑Nganh, nghe kinh doanh ❑ Van

1.2 Dia diem kinh doanh cita Khach hang ❑Try set giao dich/dia diem kinh doanh

1

LICIIVIetP0 C'C''

❑ Tinh trang ser hau/sit dung dm d6i vol try sa giao dich/clia diem kinh doanh ❑Nha xtrOng/Nha may/Kho bai

1.3 Tinh hinh hoat do, ng Trugng hop Khach hang da phat sinh ng qua han, neu (6 nguyen nhan ❑Tinh trang may mac thiet bi, cling suh

san xuAt (d6i voi KH san xuAt) ❑ San phAm, tieu thy san pham (san xutt, doanh, s6 ban hang dm mot so mat hang chit you dm Khach hang, mat hang Ngan hang tai trg)

❑NM cung cap (dau vao) ❑Khach hang dau ra, mang luori, phuong thirc ban hang

1.4 Float dOng Marketing ❑ Chinh sach ban hang mai (gia ca, khuyen mai, ...) ❑Ca so ban hang, dai 19 mai

1.5 Nhang yAu to khach quan anh Mang den hoat dung Gila Khdch hang (neu than lgi, kh6 khan, neu co) ❑Luat phap, chinh sach ❑Tinh hinh kinh to the gig), trong nugc

❑ Cong nghe ❑Thi trugng du vao ❑Thi trueng Au ra ❑ Tinh hinh canh tranh ❑Yeti t6 khk

2 Tinh hinh tai chinh oda Khkh hang (Khai bao thong tin va kern ban sao tai lieu chting minh, neu co)

2.1 Doanh thu/San 1:tong (kern bang ke VAT mica vao ban ra ki tie I& kiim tra gan nhdt din hien tai)

2.2 Loi nhuan 2.3 Hang tan kho, biin clang hang ton kho

(kern chi tiet xuat - nhap ton)

2.4 Cite khocin phcii thu, tier

clang car khocin phai thu (kem chi tiet cong no)

2.5 Cac khoan phai tra, biin clang Mc khoan phcii tra (nke 2.4)

2.6 Vay na tai ngein hang khac (chi flit cong no. vii TSBD (log!, gia 1,1) tai clic TCTD), thong tin CIC vi Khach hang

2.7 Von chit so hau

2.8 Tang tat San (kern bang Ice chi Het tai san)

NAI

,9C DIE

iv

lienVietPastaagi; %,-4..„,pfec :ER++ ir-N

3 Tinh hinh Mix hin phtrong an kinh doanh (kiem tra, &di chieu vii the hop dong dau ra, chfrng tir giao hang, nghiem thu, thanh toan, quyet toan)

4 Danh gia, da xuat dm Khach hang ve cac dich vu coa Ngan hang

5 Nhung nhu cau phat sinh dm Khach hang ye dich vu ngan hang

Xac nhall cua IChich hang a boat dOng sin 'mat, kinh doanh:

Hai dien Ben Khach hang Hai then Ben Ngfin hang

(K), ghi ho ten, clang daze) Chuyen vien KH Lank dao PKH/PGD

H9 ten: Hp ten: Ngiry „thong. nom Nei) . thing.... ;Om ..

Danh gia ctia Ngan hing a host d(ing caa Khich hang va a xuAt cfia CVICH hoOt Lank dao Thong Khach hing/PGD ye cac bien phi() xti ly (neu co):

Nguti &nit gia Linh dao Don vi

LienlhetPostflanN N(Vei tICP: ,fit

PIITJ LIJC THEO DOI CAM KET CHUYEN DOANTH THU/DONG TIEN VE NGAN HANG BU1J MEN LIEN VIET

ICHACH HANG

' A Deng tien cam ket chuyen ve trong nam

' A Deng tien chuyen ve trong 03 thing lien ke vin thug kiem tra

Deng tien chuyen ve lay ke cac Ian kiem 1 tra

Cam kit chuyen ve

Thvc to chuyen ve

Ts, trong A Cam ket chuyen ve

Thor to ' chuyen ve

Ts, trong

L* do:

- DOng tien chuyen ve trong 03 Mang kh8ng hoan thanh:

- Deng tien lay 1c kh8ng hoan thanh:

- .....

Doi dilen Ben Khach hang Doi then B8n Ngfin hang

(105, ghi r8 ho ten, Jong dlu)

Chuyen vien Kit Lanh dao PKII/PGD

Ho ten: Hp ten:

Ngety Ngay

Ghi chin

Deng. tien: La than IN) so tien phat sinh CO the hien tren tai khoan Khach hang tai ngan hang Buu dien Lien Viet, bao gam: Doanh thu chuyen ye tai khoan cua Khach hang tai Ngan hang Nth cac khoan tien kick chuyen ye tai khoan cua Kith hang.

Phu luc nay duos lap dinh kern bao cao kiem tra sir dung vein vay dinh ky 03 thang/len.

4

LWOW ' !MAN 11-4,46 IVJUK, iICs

Juba: 23/QTCV

NGAN HANG TIRTONG MAI CO PHAN CUING HOA XA HUII CHIT NGITIA VIET NAM MX DIEN LIEN VIET

D'Oc 1 .4 - Ty do - 1131th phtic —*— ***

PHIEU DANH CIA HOST BONG MUCH HANG (Da i vol Khcich hang Ca nhan vay tieu clang)

Horn nay, ngay . ./. /201..., tai cluing toi gam:

1. BEN CAP TIN DUNG - LIENVIETPOSTBANK

Nguti dal dien:

Ong/ba• Chirc vu: Ong/ba• Chirc vu:

(dual day gpi tat la Ngan hang)

2. BEN DEW CAP TIN DUNG

Khach hang:

CIF:

Dia chi:

(dual day ,gpi tat la Khach hang)

Ben NgAn hang tien hanh kiem tra hoot dc)ng/tinh hinh tai chinh ctia Khach hang, cu the nhu sau:

1

Nhcmg thay d6i ye nhan than cua Khkh hang Nhan xet (nhan xet cu tht' nhit ng myc co thay clif0

0 Nai cu tna

0 Tinh trang h8n nhan El Tinh trang sac khOe

E Cong viec, vi tri tong tat va mac thu nhap: Luang va cac khoan phy cap hang dieing

Thu nhap tit cho thus tat San thuac quy t1n so hau/sze dung cita Khach hang.

Thu nhap tie son xuat, kink doanh, °Mu tu: 2 Tai san hinh thanh ter van vay tai tiled diem kiem tra:

o Hien Wang tai san: 0 Tinh tang set httu:

3 Danh gia, de xuat caa Khach hang ve ck dich vu caa Ngan hang

4 Nhang nhu cau phat sinh dm Khach hang ve dich vu Ngan hang

LienlhetPostriank u,sk.:1 ■AN(

Xic nhAn cua Khich hang ve twat d'Ang dirge kiem tra:

DM then Ben Khich hang Dai then Ben Ngan hang

ghi ro ho ten, dong eau) Chuyen vien Khich hang Lanh dao PKIINGD

Ho ten: Ho ten:

Ngity Ngety

Dinh gig cua Ngfin hang vet twat d'Ang ciia Khich hang va de xult cita Chuyen vien KIT hoc Lanh dao Phong Khach hang/PGD ve the bien phip xir ly (nen co):

Nguti danh gig LAnh dao Dun vi

henifietP NGAN ItANQ IPPJ

Altiu se: 24/QTCV

NGAN HANG THU'ONG MAI CO PHAN CQNG HOA XA HQ! CHU NGHIA VIET NAM BITU DISN LIEN VIET Diic lap - Ty do - Ranh phtic

THONG BAO NO DEN HAN

Kinh giti•

Ngan hang TMCP But Dien Lien Viet — Chi nhanh rat cam an QuY khdch hang dd se: dung cac dich vu cua Ngan hang chUng t6i.

Ngan hang TMCP But Dien Lien Viet tran trong thong bdo tai QuY khdch hang chi tiet tien ng lai, no gOc den han cua QuY khach hang tai Ngan hang chtIng tOi Cu the nhu sau:

STT Khe trim NS OM ngfin 4 Nq g c den ham

Ng lai an Ilan

Tong phai tra

TOng

Bing chfr:

Ngan hang TMCP Bun Lien Viet de nghi QuY khach hang thu xep thanh town day , du tien trudt ngay tra no cho cac khe trot neu gen.

Truang hop co vuOng mac, phat sinh QuY khach vui long lien he:

- Ong/Ba•

- Dien thoai:

- Email.

Tran trong cam on sg hop tac cua QuY Khach hang!

Giant doe Noi nh(in: (K.), ten vet clong dciu)

- Nhu kinh gin; - Luu Phong....

• 4

1

IletIlfletPos113anli ,544,;- ∎ (.4,40 toitf cet.' , 1- 112", "E

Miu 25/QTCV

NGAN HANG THUONG MAI CO PHAN CQNG HOA xA Hof CHU NGHIA VIET NAM

BUtJ DIEN LIEN VIET Dtic 14p - Tkr do - Hanh phtic 4**

THONG BAO CHUYEN NQ QUA HAN

Kink&

Can eir Hop clang tin dung va Khe" vac nhan np cid kY giva hai ben;

Sau khi xem xet tinh hinh san xuat kink doanh va kha nang tra na cua QuY Khach hang del vai khocin vay;

Ngan hang TMCP Buu Dien Lien Viet - Chi nhanh thong bdo ve viec chuyen ng qua han doi vOi khoan vay thuOc Khe uec nhan ng so ngly...../..../20.... nhu sau:

1. Tong so lien vay theo Kh@ trot nhdn ng:

2. SO na g6c da tra: Se ng g6c can lai•

3. Se ng Iai da tra: se ng Idi con Lai .

4. s6 tien g6c: da chuyen sang ng qua han tir ngay. / /20

5. Se tien chuyen sang ng qua han to ngay. / /20

6. Ldi suAt ap dung a vai ng g6c qud han .

7. LAi suAt dp dung del voi phen ng lai qua han chdm tra:

8. Ck nei dung Ichk dugc thuc hien theo Khe uac nhan ng.

Thong bdo nay la met be ph'dn cua Khe trot nhan nq not tren, de nglii Qu9 Khach hang km 9 thuc hien.

Clam de

(K), ten va clang dciu)

1

ti

ElealetPus NeA,,,,ANG Lapj Lei

Miiu so: 26A/QTCV

NGAN HANG THUONG MAI CO PHAN CQNG Hem n HOT CHU NGITIA VIET NAM BUL THEN LIEN VIET Dec lip - Ty do - Hanh phut

BIEN BAN' V/v: Kiem tra tai san hinh thank trong twang lai

Ham nay, ngay thang nam 20 ccic ben gam:

BEN VAY VON:

Dia chi

Dal dien Chtic vu.

BEN CHO VAY: Ngan hang TMCP Bun then Lien Viet (LienVietPostBank) - Dia chi

Dai dien Chirc vu . 3041

Da thong &kit ghi nhan viec tai san bao dam tthn vay cluot hinh thanh to van vay theo Hop 31 Bong bao dam ben vay se ngay nine sau: iGgl! 1. Tai san da &roc hinh thanh: . 2 Bkik)

f0 AM

rot

2. Ben vay von co trach nhiem giao toan be giay te chUng minh quye'n se. him, quyen sir dung tai san cho LienVietPostBank (ngay sau khi duce co quan Nha nu& co tham quyen

A cap ho4c nhan duot tit cac not khac), gom:

3. Bien ban nay dugc coi la met phu luc cita Hop ding bao dam tien vay not tren. CA° not dung khac tiep tuc duce thuc hien theo quy dinh cila Hop Bong bao dam tion vay.

4. Bien ban nay duce lap thanh 02 ban co gia tri phap lyt nhu nhau, m6i ben gia 01 ban

BEN VAY VON BEN CHO VAY (4, ghi ho ten viz clang dciu, neu co) (K35 ten, (long ddu)

Chi nhanh/Phong Giao dich sir dung tiou de' thu cda minh 2 Can nen ten, dac di8m cua tai sin.

lie „ nifietPtistEtaIk . ,

Adu Si: 26B/QTCV

NGAN HANG THUO'NG MAI CO PHAN BUTJ DIEN LIEN VIET

CQNG HOA XA HOT CHU NGHIA VIET NAM Dc Ip - Ty do - Haub phtic ***

BIEN BAN1 V/v: Kim tra tai san boo dam

Horn nay, ngay thongnath 20 Mc ben gdm:

BEN BAO DAM. Dia chi

Dai dien Chile vv.

BEN NHAN THE CHAP: Ngan hang TMCP But dien Lien Viet (LienVietPostBank) - Dia chi

Dai dien Chdc vv. :0

Da thong nhilt ghi nh an ke't qua kihn tra tai san thi chicip nine sau: ICA 1. Hop d'ong the' chAp s6 ngay 2. Tai san the chAp:

=is

3. Tinh tang tai san tai Med diem kiem tra:

4. Klan nghi dia Ben nhAn the chAp:

5. t kik cila Ben the chAp:

BEN THE CHAP BEN NHAN THE CHAP (1g, ghi ra ho ten viz dong dciu, n/u co) (4, ghi r5 Iv ten)

Chi nhanh, Phong Giao dich sir dung deo d thu. cüa mirth.

HenVietPo:ilga %G.AN !41_117 ,.

Win 27A/QTCV

NGAN HANG THUQNG MAI CO PHAN WU DIEN LIEN VIET

—*—

CONG HOA XA- HOI CHU NGHIA WET NAM 14p - Tu. do - Hank phtic **IA-

GIAY DE NGHI NHAP KHO

TAI SAN BAO DAM KIEM PHIEU NII4P KHO

Ngtrai de nghi:

PI-Ong/Ban.

Khach hang.

Chu tat san:

Loai tai san nhap kho-

Nghia vu dirge dam bao (se Khe trot/Bap lanh). Gia tri dam bao toi da:

Nhap tai kho:

Chi titt ve h6 sa tai san nhap kho:

1 Ten tai san Gray to tat san bao dam S6 Luang

Dan gia Thanh tier' GOc Copy 1

2

3

4

5

6

Tong cOng

T8ng &Ong thanh ti en (bang chit)•

Nhap kho ngety. .thcing .nam

Chuyen vien Trueng Phong CB Kho quy Trtefrng b(i pha'n Kho guy QLTD QLTD

38,

jPH

IE ,4 • yo

lienvietPus „an

Illeu se: 27B/QTCV

NGAN HANG THUtING MAI CO PHAN

BDU DIEN LIEN VIET

CQNG HOA xA HQI CHIT NGHIA VIET NAM

DOc lap - Tu. do - Ranh pink ***

GIAY BE NGIII XUAT KHO

TAI SAN BAO DAM KIEM PHIEU XUAT KHO

Nguei de nghi•

PhOng/Ban.

Kilda hang.

Chu tai san:

Loa' tai san xuAt kho:

Nghia vu duot dam bao (se Khe irdc/Bao lAnh). Gia tri dam bao toi da:

Ly do xuAt kho.

Bien phap quan ly sau khi xuAt kho: Cac giAy ter lien quan (neu co)•

Chi tiEt ve tai san xuat kho:

TT Ten tai san GiAy to tai san bao dam se luong Don gia Thanh tien 1

2

3

4

5

6

Tong cOng

Tong tong thanh ti en (bong chit)•

Xueit kho ngay %hang nom

Chuyen vien QLTD Trtrang Pining QLTD CB Kho guy Lre:Mg bo ph4n Kho qu,

tienVietPa: 'Oar

HVONG DAN LAP PHIEU XUAT NHAP KHO

I. Hutng dAn lip GiAy de nghi nhip kho tai sin bio dim kiem phieu nhip kho (Phieu nhip kho):

1. Sir dung Phieu nhap kho:

Phieu nhap kho duct sir dung a nhap kho tai san bao dam cita Kith hang tai Ngan hang.

2. Lap Phieu nhap kho: Phieu nhap kho dirge lap thanh 03 lien:

Lien 01: PhOng Quin ly tin dung luu gut (chi:mg tit hach town tai san bao dam).

Lien 02: PhOng Quin ly tin dung km giu tai ha so cap tin dung.

Lien 03: PhOng Giao dich kho quy (1)0 phan kho guy) gill de theo dOi quan ly tai sin. 3. Trinh to lap Phieu nhap kho:

3.1. Can cu nhap kho: Tor trinh thAm dinh Kilda hang/Tar trinh nh Ian tai sin bao dam di dirge ph6 duyet.

3.2. Ngugi de nghi nhap kho: Chuyen vien Quin lY tin dung thgc hien lap Giay a nghi nhap kho kiem Phieu nhap kho tai chi nhanh.

3.3. Ki8m sokt/Phe duyet nhap kho: Linh dao Ban Quan 151 tin dung tai Chi nhanh hoc Phu Udell PGD thug hien kiem sok not dung Phieu nhap kho va ha so tai sin bao dam.

3.4. Can b0 kho quy: Can b0 kho quy thug hien ky than cat ha so tai sin bao dam nhap kho nhan tir nguari de nghi nhap kho.

3.5. Tarring bo phan Kho Quy: Thgc hien kiem soat not dung Phieu nhap kho va h6 so tai san bao dam.

4. Luu y ve thong tin dien trong cac trifling cua GiAy de nghi nhap kho kiem phieu nhap kho:

- Khach hang: - la Khach hang thug hien giao dich tuong img tai LienVietPostBank (giao dich can tai sin bao dam)

Chit tai sin: la nguai chit s& hau tai san bao dam (co the la chinh Khach hang hoac la nguari bao lank cho Khdeh hang).

Loai tai sin bao dam nhap kho: neu ten loai tai sari bao dam.

Nglifa vu duge dam bao: la the nghia vu ma tai sin bao dam do dung de dam bao, co the la mat khoan vay/bao link co the cho hart mire tin dtmg/han mire bao linh cua Kilda hang.

- S6 du ny/bao lanh toi da: mire giao dich (du ng/bao linh) da ticmg v6i tai san bao dam do theo phe duyet eita cap co tham quyen.

Nhap tai kho: dia diem kho quy thug hien bao quan tai sin bao dam.

II. Hwerng an lip GiAy nghi xuAt kho tai sin bio dim kiem phieu xuAt kho (Phieu xuat kho):

I. SU dung Phial) xuAt kho: Phieu xuAt kho dirge sir dung a xuat kho mat phAn hoc toan 1)0 ho so tai sin bao dam dm Khach hang tai Ngan hang.

2. Lap Phieu xuAt kho: Phieu xuat kho phai dirge lap thanh 03 lien.

3

healetPOStrItluk NGAN ■Olt; vw akga i io; y

- Lien 01: Phong Quan 19 tin dung km gift (chting tit hach toan tai san bao dam).

- Lien 02: Phong Quan 19 tin dung kru gift tai ha so cap tin dung

- Lien 03: Phong Giao dich kho quy (b0 phan kho quy) gift de theo &Si quan 19 tai san. 3. Trinh to lap Phieu xuat kho:

3.1. Can cu lap De nghi kiem Phieu xuat kho: To trinh giai chap TSBD/To trinh dao chap town b0 TSBD cua Phong Khach hang lap da dugc phe duyet.

3.2. NguOi de nghi xuAt kho: Chuyen vien Quan 19 tin dung thdc hien lap Giay de nghi xuAt kho kiem Phieu xuat kho.

3.3. Lanh dao PhOng QLTD thdc hien kiem tra nOi dung Phieu xuat kho va viec Khkh hang co &I di8u kien de giai chap tai san bao dam twang

3.4. Phe duyet xuat kho: Ban Giam dac chi nhanh; Trtrong/Pho ph6ng giao dich tilde hien phe duyet xuat kho tai san bao dam tai don vi do.

3.5. Can 1)0 kho guy: Can ,b0 kho quy thdc hien k9 ban giao cac ha so tai san bao dam mitt kho cho nguOi nhan ha' so tai san bdo dam.

3.6. Ngued nhan ha so tai san bdo dam: Chuyen vien QLTD thdc hien nhan ha so tai san bao dam to kho quy va ban giao lai cho Khach hang.

4. Lau y ve tilting tin dien trong cac twang elm GM)/ de nghi nhap kho kiem phieu nhap kho:

- Khach hang: IA Khach hang tilde hien giao dich tuong Ung tai Ngan hang (giao dich can tai san bao dam)

- Chir tai san: IA nguOi chir s& him tai san bao dam (co the la chinh Khach hang hoac la ngtroi bao lanh cho Khach hang).

- Lodi tai san bao dam nhap kho: neu ten loai tai san bao dam.

- Nghia vu drum darn bao: la cac nghla vu ma tai san bao dam do clOng de dam bao, co the la mot khoan vay/bao lanh, co the cho han mac tin clung/han mire bao lanh cua Khach hang.

SO du no/bao lanh tOi da: mire giao dich (du no/bao lanh) toi da tuong Ling ved tai san bao dam do theo phe duyet dm cap co tham quyen.

L9 do xuAt kho: 19 do Khach hang du dieu kien giai chap tai san hoac 11 do khac (mugn ho so tai san bao darn).

Bien phap quan 19 sau khi xuAt kho: ban giao tra Khach hang hoac nhap lai kho quy trong mot thOi han nhat Binh (trong twang hop mugn ha so tai san).

Ck gity tO lien quan (nEu co): cac giay to cluing minh cho 19 do xuat kho tai san bao dam kern theo.

4

9

LienVtetPosigank Ntt &4U IN; NLWN

Mitm se: 28/QTCV

NGAN HANG THUGNG MAI CO PHAN BIM DIEN LIEN VIET DOc I4p - Ty do - 113nh phfic

—*— ***

PHIEU DIEU CHINH TANG/GIAM

TRt GIA TAI SAN BAO DAM

Ngtroi de nghl:

PhOng/Ban.

Phieu nhAp kho s6: Khach hang:

Chu tai san:

Loai tai san dieu chinh giam:

Nghia vi duct dam bao (s6 Khe troc/Bao !Anh)-

Ly do (Neu chinh giam tri gia• •

Cac giAy t& lien quan den viec giam nghia vv dtrorc dam ban:

Cac giAy Ri lien quan den viec giam tri gia tai san bao dam (neu co): Chi tiet ve tai sin dieu chinh giam tri gid:

TT Ten tai san GiAy tO tai san ban dam s6 'ring Don gia Thanh tin I

2

3

4

5

6

Tong cong

Tong cOng thanh ti n (bang chit):

Didu chinh ngay ....... thcing... .... Chuyen vien QLTD LAnh dao Phong QLTD Lanh dao don vi Can b0 kho guy

ngay ..thang ..nAm

Tr; GA

BU [if

7■ 14

CQNG HOA XA HOI CHI). NGHIA VIET NAM

1

ODVietPUstriaak W.

Huang clan lap Phieu dieu chink giam tri gia tai san bao dam (Phieu dieu chinh) 1. Sir dung Phieu dieu chinh:

Phieu dieu chinh giam tri gia tai san bao dam dirge sir dung a dieu chinh giam tri gid tai san bao dam !chi: giai chap met phan tai san bdo dam ma Icheng can that hien nghiep vu xuat kho ho so tai san bao dam. Cac twang hop eV the doi vai tai san bao dam la: Quyen doi ng, LC xuat khau, Hang hod quan 19 theo phircmg thirc kho hang niem phong hoac kho hang ba ben; Ti8n phong toa tren tai khoan tien yd.

2. Lap Phieu dieu chinh: Phiau dieu chinh phai dirge lap thanh 03 lien.

Lien 01: Do Ban Quan 19 tin dung km giCr (chung to hach town tai san bao dam).

Lien 02: Do Ban Quan 19 tin dung km gift tai h6 so cap tin dung

Lien 03: PhOng Giao dich kho quy (b0 phan kho quy) girl . de theo dei quan 19 tai sari. 3. Trinh to lap Phieu dieu chinh:

3.1. Can cu lap Phieu dieu chinh giam tai san blo dam: To trinh dieu chinh gam tai san bao dam cAa Ph6ng kWh hang lap da dirge cap co tham quyen k9 duyet.

3.2. Ngutri a nghi dieu chinh: Nhan vien Quan 19 tin dung that hien lap Phieu dieu chinh giam tri gia tai san bao dam.

3.3. Lanh dao PQLTD: thuc hien kiern tra not dung Phial] dieu chinh giam TSBD

3.4. PM duyet dieu chinh giam tri gia tai san bao dam: Ban Giam dot chi nhanh; TruOng, pH> phOng giao dich thuc hien phe duyet dieu chinh giam giA tri tai san bao dam tai don vi do.

3.5. Can be kho quy: Can be kho quy that hien k9 than Phieu dieu chinh giam tri gid tai san 04

- Khach hang: IA khach hang thuc hien giao dich tuang img vai tai san bao dam. (.1

Loai tai san bao dam: loaf tai san bao dam dieu chinh giam tri gid tai san.

Nghia vu dirge dam bao: la cdc nghia vu ma tai san bao dam do cliing de dam bao, co the la met khoan vay/bao lath, co the cho han milt tin clung/han mire bao lath dm kith hang.

L9, do diet' chinh giam tri tai san: 19 do khach hang dA dieu kien giii chap met phan tai san bao dam va that to tri gia tai san bdo dam da giam.

- Cat giay to lien quan den viec giam nghia vu dirge dam bao: chi:mg minh kith hang da M

, an thanh met phan nghia vu vai Ngan hang.

Cac gray to lien quan den viec giam tri gia tai san bao dam (neu co): cldmg to chi:rug minh viec tri gia tai san bao dam teen that to da giam (vi tion chuyen ye thank toan tong ng theo quyen doi ng, tien nuac ngoai thanh todn LC xuat lchau...)

bao dam de theo doi quan 19 tai san bao dam. NH

4. Lim 9 ye th6ng tin dien trong cat trutng cua Phieu dieu chinh giam tai san bao dam M61 Phieu nhap kho se: se ciia phieu nhap kho tuong ung vai tai san throe day da dugc UD nhap kho nay dirge dieu chinh tri gia. t4 I

Ngly thing

Sii tien tra na

Nhan vien Ke than Trtrang phong Ke toin

2. Theo &di viec tra ng:

Chu en n han 56 tien

Ke toan LienVietPostBank

Du no. gee

Lei swat

3. Mon vay da duce tat town ngay thing..... nam 201

benVietP8Staailit NWHIANG (gu Vr(

PHAN THEO DOI GIAI NGAN VA TRA Ng 1. Sri tien da giai ngan ngay . /.. ./201 •

PF

X\ .3

2

1.1EnYleiPOstriaili; 74a..7+7 7 7 4.4(i 1.77.77.7 727,7,I7 7724 7r7f. Mau 54: 30/QTCV

NGAN HANG THUCING MAI CO PHAN WU DIEN LIEN WET

—*—

CONG 116A. XA HOI CHU NGHIA WET NAM Dec lap - Tty do - Ilenh phtic *4*

BIEN BAN THANH LY HOP BONG TIN DUNG

Horn nay, ngay...../..../201...., hai ben Om:

Ben cho vay: Ngfin hang TMCP Btru then Lien Wet (LienVietPostBank) - Chi nhanh... Do 'Ong (ba)• Chirc vu: lam dai dien. Ben vay:

Dia chi:

Do 'Ong (ba). Chic vu• lam dai dien l . Da thong nhit thanh 15: Hp? ding Tin dung so ngay / /201 nits,• sau:

1. Ben vay thanh town no cho LienVietPostBank nhu sau. Tien g6c da tra. Con rig:

- Tian !di trong han cld tra. Con ng: Tien laai qua han cid tra. Con ng: Chi phi khac cid tra. Con ng:

2. LienVietPostBank da giai toa va giao cho BEn vay (va ben thE chAp, cam c6...) cac ha so va tai san nhu sau:

Tai san da giai tea C6n lai: H6 so tai san bao dam cid tit'• C6n 14i.

3. Hai b8n thong nhat giai quyet cac vAn a tan ding nhu sau (neu co): - Thai han tra s6 ng g6c con lai

Thai han tra so no Idi va chi phi khac con 14i. Bien phap xu ly tai san bao dam:

- Thai han giai toa va giao ho so tai san bao dam: - Nhang vAn a khac:

4. Bien ban nay duac lap thanh 02 ban, moi ben gill mot ban.

DAI DIEN BEN CHO VAY DAI DIEN BEN VAY (K); ten va cling au) (Kii ten va clang data nisi co)

I

Truing kip B8n vay la Khach hang Doanh nghi8p.

IAN

G

1 .7

_ 7

, , X

ac n

han

N

g ay

dello

nhA

n 11 6

so .

KH

INhu

cA

u v A

n va

y asa

G

NIA

My

c di

ch sf

r du

ng v

im f

ly

OP

Oa !R

AIN

Dja

chi tr

y si

r N

igly

cap

va

Dun

vi c

ap

axmarso Aro

i len

Kha

ch

hang

E—,

{t)

1 )

Ng a

y ti

ep

nhA

n hi

t so

KH

dV

3 in ILO

G

ya clop

.42

r4 .1W

3 SPS

= . 4 a

F. E-i - ,,, ,

I

1■1

henVietPaStaank utuNiw.c tEr. v41 29/QTCY

CONG HOA XA HOI CHU NGHIA VIET NAM

D'Oc lap - Tie do - Hanh pink

*4*

Kid VOC NHAN NO Se:.........../KU-LienVietPostBank

Horn nay, ngay thong nam 20.... Khach hang vay von:

Dia chi.

Nguti dai dien. Chirc vu•

nhcin no theo Hop dang tin citing se. .ngay / 20.... kJ; glut . vai Ngein hang TMCP Thai dien Lien Viet (LienVietPostBank) nhu saw 1. SA tien vay theo Hop ding tin dung 2. SA tien nhan ng an nay.

Bang chi:

3. SO tien chin nhan (con lai sau khi nhan np an nay): 4. Lai suAt• Lai suat ng qua han: 5. Ky han tra ng g6c•

6. KY han tra tai

7. Ngay tra ng cu6i cilng

8. Muc dich sir dung tien vay. 9. Hinh thirc giai ngan:

❑ Tien mat

❑ Chuyen tien vao tai khoan: 10.Bien phap ya tai san boo dam: 11.Cac nOi dung khac dupe thkrc hien theo Hop dAng tin dung.

Kite mac nhan no nay Ave lap thank 03 ban, co gici tri nhu- nhau,,LienVietPostBank girt 02 ban, Ben vay girt 01 ban va la be phan khang tach cua Hop clang tin dung not tren.

Ben vay (K, ghi ro ho ten va clang dciu - niu c6)

Ben cho vay (KY, ghi ho ten va clang dint)

8e

Aro co