P.QL - Quy trinh cham diem tin dung & xep hang khach hang

8/7/2019 P.QL - Quy trinh cham diem tin dung & xep hang khach hang

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QUY TRNHCham iem tn dung va xep hang

khach hang(Ban hanh kem theo Quyet nh so: /Q- ngay thang nam cua Tong giam oc Ngan hang TMCP )

1. Muc ch:Quy nh trnh t cac bc cong viec e thc hien nghiep vu cham iem tn dung va xep hang oi vi khach hang tronghe thong Ngan hang TMCP.Xac nh trach nhiem, quyen han cua ca nhan n v lienquan en viec cham iem tn dung va xep hang khach hang.

2. Pham vi va oi tng ap dung:2.1 Pham vi ap dung:

Van ban nay ap dung e thc hien cham iem tn dung vaxep hang oi vi khach hang (khong bao gom cac nh chetai chnh) trong he thong Ngan hang TMCP Phng ong.

2.2 oi tng ap dung:Hoi s chnh, s giao dch, chi nhanh , phong giao dch, Nganhang TMCP Phng ong.

3. Cac tai lieu lien quan:Luat cac to chc tn dung: Luat sa oi, bo sung luat cac

to chc tn dung.Quyet nh 457/2005/Q-NHNN ngay 19/01/2007 va Quyet nhso 03/2007/Q-NHNN ngay 19/01/2007 cac ty le bao am antoan trong hoat ong cua to chc tn dungQuyet nh 493/2005/Q-NHNN ngay 22/4/2005 va Quyet nhso 18/2007/Q-NHNN cua Thong oc Ngan hang Nha Ncve viec phan loai n , trch lap va s dung d phong es ly rui ro tn dung trong hoat ong Ngan hang cu to chctn dung .Quyet nh so 44/05/Q-HQT ngay 15/8/2005 va Quyet nhso 56/2007/Q-HQT ngay 19/6/2007 cua Chu tch Hoi ongQuan tr Ngan Hang TMCP Phng ong v/v Ban hanh quy nhphan loai n , trch lap va s dung d phong e x ly rui ro

tn dung trong hoat ong ngan hang 4. Giai thch t ng, cac t viet tat4.1 Giai thch t ng:

Trong so: la mc o quan trong cua tng tieu ch chamiem tn dung (ch so chnh hoac yeu to phi tai chnh) xettren goc o tac ong rui ro tn dung.iem ban au: la iem cua tng tieu ch cham iem tndung do can bo cham iem tn dung xac nh c sau khiphan tch tieu ch o.iem tong hp: iem tong hp e xep hang khach hangbang iem ban au nhan vi trong so.Phong cham iem tn dung: gom phong tn dung Hoi s ,cac Chi nhanh va cac Phong Giao dch trong he thong NHP


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Phong quan ly rui ro Tn dung : gom phong/to quan lyrui ro tn dung tai chi nhanh; phong Quan ly rui ro tn dungHoi s .

4.2 Cac t viet tat:CN: Chi nhanhOCB : Ngan hang TMCP Phng ongNHCV: Ngan hang cho vayNHNN: Ngan hang Nha NcNSNN: Ngan sach Nha NcPGD: Phong giao dchCTD: Cham iem tn dungQLRR TD : Quan ly rui ro tn dungNVTD : Nhan vien tn dung

5. Trach nhiem va quyen hanViec cham iem tn dung va xep hang khach hang do Phong

CTD thc hien. Viec ra soat oi vi cac khach hang ctham nh rui ro do phong QLRRTD thc hien. oi vi khachhang co quan he tn dung vi nhieu chi nhanh th tng chi nhanhco trach nhiem xep loai khach hang va cac Chi nhanh cotrach nhiem thong bao, trao oi vi nhau e thong nhat ketqua xep loai. Viec cham iem va xep hang c thc hien vaoquy 1 hang nam, ngay sau khi nhan c bao cao tai chnh cuakhach hang.5.1 Can bo cham iem tn dung:

Thu thap ho s, thong tin khach hang, tham nh lai thong tin

va tien hanh cham iem tn dung, xep hang khach hang.Tuan thu ung noi dung qui trnh nay.e xuat cac quyet nh tn dung tren c s ket qua chamiem va xep hang tn dung khach hang.

5.2 Lanh ao phong cham iem tn dung:Kiem soat ket qua cham iem tn dung va xep hang khachhang cua NV CTD.e xuat cac quyet nh tn dung phu hp, kp thi.Chuyen ket qua cham iem tn dung va xep hang khachhang cho phong/to QLRRTDKp thi bao cao lanh ao CN e x ly nhng van e vtqua tham quyen.5.3 Can bo phong quan ly rui ro tn dung :Ra soat viec thc hien cham iem tn dung va xep hangkhach hang cua CBCTD oi vi khach hang c tham nhrui ro, am bao:(i) tuan thu theo ung quy nh cua quy trnh nay;(ii) cac so lieu tai chnh a c tham nh lai, a loai tr

tai san kem chat lng, kho thu hoi;(iii) cac thong tin phi tai chnh la phu hp.D thao bao cao ra soat ket qua cham iem xep hang tndung, neu ro cac noi dung cha chnh xac, khong phu hp,e ngh sa oi.e xuat cac bien phap phong nga, han che rui ro.


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5.4 Lanh ao phong quan ly rui ro Tn dung :Kiem tra lai ket qua ra soat cham iem xep hang tn dung,cac e xuat cua can bo QLRR tn dung.e xuat quyet nh tn dung phu hp, kp thi.

5.5 Lanh ao NHCV:Kiem tra lai ket qua cham iem tn dung va xep hang khachhang cua phong thc hien cham iem tn dung va ket quara soat cham iem xep hang khach hang cua phong QLRRTDPhe duyet ket qua cham iem tn dung va xep hang khachhang, a ra cac quyet nh tn dung phu hp.Bao cao nhng van e vt qua tham quyen ve Phong QLRRTD Hoi s e x ly.

6. Noi dung quy trnh cham iem tn dung va xep hangkhach hang6.1 Quy trnh cham iem tn dung va xep hang khach hang

doanh nghiep:Bc 1: Thu thap thong tin:

Ngi thc hien: Can bo cham iem tn dungSau khi nhan c ho s thong tin khach hang, tien hanh ieu

tra, thu thap, xac minh va sang loc e tong hp thong tin vekhach hang va phng an san xuat kinh doanh/d an au t tcac nguon:

Ho s do khach hang cung cap: giay t phap ly, cac baocao tai chnh va cac tai lieu khac.Phong van trc tiep khach hangKhao sat thc te khach hang

Bao ch va cac phng tien thong tin ai chung khac.Bao cao nghien cu th trng cua cac to chc chuyennghiep.Trung tam thong tin tn dung cua NHNN Viet Nam.Cac nguon khac.Cach thc thu thap thong tin, danh muc cau hoi ieu tra c

hng dan chi tiet tai phu luc so 01(PL01) .Trng hp khach hang co bao lanh toan phan (ln hn

hoac bang 100% gia tr khoan tn dung) cua mot to chc conang lc tai chnh manh hn, th co the s dung ket qua xephang tn dung cua ben bao lanh e xac nh hang tn dung cuakhach hang (neu ben bao lanh cung c Ngan hang cho vaycham iem), a vao ket qua cham iem xep hang (bc 6)

Bc 2: Xac nh nganh nghe lnh vc san xuat kinhdoanh cua doanh nghiep:

Ngi thc hien: Can bo cham iem tn dungCan c vao nganh nghe/ lnh vc san xuat kinh doanh chnh

ang ky tren giay chng nhan ang ky kinh doanh cua doanhnghiep, xac nh nganh nghe/ lnh vc san xuat kinh doanh cuadoanh nghiep, bao gom:

Nong, lam va ng nghiepThng mai va dch vu


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Xay dngCong nghiepTrng hp doanh nghiep hoat ong a nganh nghe th can c

vao nganh nghe/ lnh vc nao em lai ty trong doanh thu lnnhat cho doanh nghiep.

Tien hanh phan loai doanh nghiep theo hng dan tai phu lucso 02 (PL02) .

Bc 3: Cham iem va xac nh quy mo cua doanhnghiep:

Ngi thc hien: Can bo cham iem tn dungCac tieu ch s dung e cham iem va xac nh quy mo

doanh nghiep gom: nguon von kinh doanh, lao ong, doanh thuthuan va gia tr nop NSNN.

Trong o:Lao ong: la so lao ong thc te s dung (c neu taithuyet minh bao cao tai chnh) tnh bnh quan trong 3 nam gannhat.Ga tr nop NSNN: lay theo so thc nop vao NSNN phat sinhtrong ky (khong ke so thieu cua ky trc nop ky nay) baogom cac loai thue va cac khoan nop khac theo quy nh cuaNha Nc trong nam bao cao (khong tnh cac khoan thuexuat nhap khau, ong bao hiem xa hoi va bao hiem y te,kinh ph cong oan, cac khoan tien phat, phu thu)Tien hanh cham iem quy mo doanh nghiep theo hng dan

tai phu luc so 03 (PL03) .

3. Can c vao ket qua cham iem thu c, xep loai quymo doanh nghiep theo bang thang iem sau:iem Quy mo

T 70 100 iem Loai 1T 30 69 iem Loai 2

Di 30 iem Loai 3

Bc 4: Cham iem cac ch so tai chnhNgi thc hien: Can bo cham iem tn dungTien hanh tham nh cac bao cao tai chnh doanh nghiep,

lap bang can oi ke toan sau ieu chnh theo hng dan taiphu luc so 04 (PL04). Can c vao ket qua xac nh nganhnghe/ lnh vc san xuat kinh doanh va quy mo cua doanh nghieptai bc 2 va 3; cac so lieu tren can oi ke toan sau ieuchnh, cham iem cac ch so tai chnh cua doanh nghiep theohng dan tai cac phu luc:

Phu luc so 04 .1(PL04.1) : Bang cac ch so tai chnh ap dungcho cham iem cac doanh nghiep thuoc nganh nong, lam, ngnghiep.Phu luc so 04.2 (PL04.2):Bang cac ch so tai chnh ap dungcho cham iem cac doanh nghiep thuoc nganh thng mai dch

vu.


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thue / Doanh thu thuan thuan10 Tong thu nhap trcthue / Tong tai san

Tong thu nhap trc thue / Tong tai sanbnh quan

11Tong thu nhap trc

thue / Nguon von chu

s hu

Tong thu nhap trc thue / Nguon vonchu s hu bnh quan

Bc 5: Cham iem cac tieu ch phi tai chnh

Ngi thc hien: Can bo cham iem tn dungCham iem cac tieu ch phi tai chnh cua doanh nghiep theo

cac phu luc sau:Phu luc 05.1 (PL05.1): Cham iem tn dung theo tieu ch luchuyen tien tePhu luc 05.2 (PL05.2): Cham iem tn dung theo tieu ch nang lcva kinh nghiem quan lyPhu luc 05.3 (PL05.3): Cham iem tn dung theo tieu ch uy tntrong giao dch vi Ngan hangPhu luc 05.4 (PL05.4): Cham iem tn dung theo tieu ch moitrng kinh doanhPhu luc 05.5 (PL05.5): Cham iem tn dung theo tieu ch cac aciem hoat ong khacSau khi hoan tat viec cham iem theo cac phu luc tren, tien

hanh tong hp iem cac tieu ch phi tai chnh da tren ket quacham iem cac bang PL05.1 -> PL05.5 va bang PL05.6 Bangtrong so ap dung cho cac tieu ch phi tai chnh.

Bc 6: Tong hp iem va xep hang doanh nghiepNgi thc hien: Can bo cham iem tn dungCong tong so iem tai chnh va phi tai chnh va nhan vi

trong so trong phu luc 06 (PL06) (co tnh en bao cao tai chnhco c kiem toan hay khong) e xac nh iem tong hp (phu luc 06 (PL06) Tong hp iem tn dung )

Can c iem tong hp, tien hanh xep hang doanh nghieptheo phu luc 07.1 (PL07.1)

Bc 7: anh gia rui ro tn dung theo ket qua xep hangdoanh nghiep

Ngi thc hien: Can bo cham iem tn dungThc hien xep hang cac khach hang la doanh nghiep thanh10 hang theo quy nh cua OCB co mc o rui ro t thap lencao: AA+ , AA, AA-, BB+ , BB, BB-, CC+ , CC, CC-, C nh mo ta trong bangsau:

Loai ac iem Mc o rui roAA+ : Loai toi u

iem tn dungtot nhat danh

cho cac khachhang co chat

- Tnh hnh tai chnh lanhmanh.

- Nang lc cao trong quan tr.

- Hoat ong at hieu quacao, on nh

Thap nhat


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lng tn dungtot nhat.

- Trien vong phat trien laudai

- Kha nang canh tranh vngvang trc nhng tac ongcua moi trng kinh doanhhoac oc quyen Nha nc- ao c tn dung cao.

AA : Loai u

- Tnh hnh tai chnh lanh manh- Kha nang sinh li tot- Hoat ong hieu qua va on

nh- Quan tr tot- Trien vong phat trien lau

dai- Uy tn tn dung tot

Thap nhng vedai han co thehn khach hangAA+

AA- : Loai tot

- Tnh hnh tai chnh on nhnhng co nhng han chenhat nh.

- Hoat ong hieu qua nhngkhong on nh nh loaikhach hang AA.

- Quan tr tot- Trien vong phat trien tot- Uy tn tn dung tot

Thap

BB+ : Loai kha

- Hoat ong hieu qua va cotrien vong trong ngan han.

- Tnh hnh tai chnh on nhtrong ngan han do co motso han che ve tai chnh vanang lc quan ly va cothe b tac ong manh bicac ieu kien kinh te, taichnh trong moi trng kinhdoanh.

Trung bnh

BB : Loai trungbnh kha

- Tiem lc tai chnh trung bnh,co nhng nguy c tiem an

- Hoat ong kinh doanh tottrong hien tai nhng de bton that bi nhng bienong ln trong kinh doanh docac sc ep t nen kinh tenoi chung.

Trung bnh , khanang tra n gocva lai trong tnglai se c ambao hn khachhang loai BB + .

BB- : Loai trungbnh

- Kha nang t chu tai chnhthap, dong tien bien ongtheo chieu hng xau

- Hieu qua hoat ong kinhdoanh khong cao, chu nhieu

sc ep canh tranh hn, deb tac ong ln t nhng

Cao , do kha nangt chu tai chnhthap. Ngan hangcha co nguy cmat von ngay

nhng ve lau daise kho khan


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bien ong kinh te nho. neu tnh hnh hoatong kinh doanhcua khach hangkhong c caithien.

CC+ : Loai ditrung bnh

- Hieu qua hoat ong thap,ket qua kinh doanh nhieubien ong

- Nang lc tai chnh yeu, bthua lo trong mot hay motso nam tai chnh gan ayva hien tai ang vat lone duy tr kha nang sinh li.

- Nang lc quan ly kem.

Cao , la mc caonhat co thechap nhan; xacsuat vi pham hpong tn dung cao,neu khong conhng bien phapkp thi, nganhang co nguy cmat von trongngan han.

CC : Loai xadi trung bnh

- Hieu qua hoat ong thap- Nang lc tai chnh yeu

kem, a co n qua han(di 90 ngay).

- Nang lc quan ly kem

Rat cao , khanang tra n Ngan hang kem,neu khong conhng bien phapkp thi, nganhang co nguy cmat von trongngan han.

CC- : Loai yeukem

- Hieu qua hoat ong ratthap, b thua lo, khong cotrien vong phuc hoi.

- Nang lc tai chnh yeukem, a co n qua han( tren 90 ngay )

- Nang lc quan ly kem.

Rat cao , nganhang se phaimat nhieu thigian va cong sce thu hoi voncho vay.

C : Loai ratyeu kem

- Cac khach hang nay bthua lo keo dai, tai chnhyeu kem, co n kho oi,nang lc quan ly kem.

ac biet cao ,ngan hang haunh se khongthe thu hoi cvon cho vay.

Lien he trao oi vi cac chi nhanh khac (oi vi trng hpkhach hang co quan he tn dung tai nhieu chi nhanh) e thongnhat ket qua cham iem xep hang; trng hp khong thongnhat ket qua th ghi ro trong t trnh bao cao ket qua chamiem xep hang.

Bc 8: Trnh phe duyet ket qua cham iem tn dung vaxep hang khach hang doanh nghiep

Ngi thc hien: Can bo cham iem tn dung


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Sau khi hoan tat viec cham iem tn dung xep hang doanhnghiep, lap t trnh bao cao ket qua, ky va trnh lanh aophong. Noi dung t trnh phai gom nhng phan c ban nh sau:

Gii thieu thong tin c ban ve khach hang;Nhan xet/ anh gia cua CBCTD;e xuat cac quyet nh tn dung:a) Tiep tuc duy tr quan he tn dung va co the tang han

mc; hoacb) Tiep tuc duy tr quan he tn dung nhng khong tang han

mc; hoacc) Han che quan he tn dung; hoacd) Dng quan he tn dung, ch thu hoi n; hoace) Tm bien phap khan cap x ly tn dung.

Ngi thc hien: Lanh ao phong cham iem tn dungKiem tra noi dung t trnh, ky trnh lanh ao NHCV phe duyet.Trng hp phai tham nh rui ro, gi t trnh va cac ho s

tai lieu lam can c cham iem xep hang khach hang chophong QLRR TD e ra soat oi vi nhng khach hang phaitham nh rui ro.

Bc 9: Ra soat ket qua cham iem tn dung va xephang khach hang (oi vi nhng khach hang phai thamnh rui ro)

Ngi thc hien: Can bo QLRRTDCan c ho s khach hang do phong cham iem tn dung

chuyen en, thong tin cac nguon khac (neu co), ra soat theocac noi dung:Tham nh tnh trung thc, hp phap, hp le cac thong tin lamcan c cham iem;Ra soat viec xac nh cac ch tieu, mc iem cho tng chtieu am bao tuan cac quy nh cua quy trnh nay;Ra soat viec xep hang khach hang am bao theo ung quynh tai phu luc 07.01 (PL07.01);Lap bao cao ra soat (theo bieu phu luc 10 (PL10)). Trng hpkhong nhat tr vi ket qua cua phong cham iem tn dung thneu ro nhng iem cha chnh xac, phong cham iem tndung chnh sa, trnh lanh ao phong QLRRTD

Ngi thc hien: Lanh ao phong QLRRTDKiem tra, phe duyet bao cao ra soat, e xuat chnh sa

(neu co) do can bo QLRR trnh, chuyen cho bo phan cham iemtn dung e bo sung, chnh sa.

Bc 10: Hoan thien ho s ket qua cham iem tn dungva xep hang khach hang (oi vi nhng khach hangphai tham nh rui ro)


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Can bo cham iem tn dung tiep nhan ket qua ra soat cuaphong QLRRTD, hoan thien ho s cham iem, xep hang khachhang.

Lanh ao phong cham iem tn dung kiem soat, phe duyetho s cham iem, xep hang khach hang, trnh lanh ao pheduyet.Bc 11: Phe duyet ket qua cham iem tn dung va xephang khach hang

Ngi thc hien: Ban Lanh ao OCBTren c s t trnh bao cao ket qua cua phong cham iem

tn dung va bao cao ra soat cua phong QLRRTD, kiem tra, pheduyet ket qua cham iem tn dung, xep hang khach hang doanhnghiep.

Bc 12: Cap nhat d lieu, lu tr ho sNgi thc hien: Can bo cham iem tn dungSau khi t trnh c phe duyet, tien hanh cap nhat ket qua

cham iem tn dung, xep hang khach hang doanh nghiep vao hethong thong tin tn dung cua ngan hang.

Lu tr toan bo cac ho s, giay t lien quan en viec chamiem vao ho s tn dung chung.

6.2 Quy trnh cham iem tn dung va xep hang khachhang ca nhan:Bc 1: Thu thap thong tin

Ngi thc hien: Can bo cham iem tn dungTien hanh ieu tra, thu thap va tong hp thong tin ve khachhang t cac nguon:

Ho s do khach hang cung cap: giay t phap ly (chng minhnhan dan, xac nhan cua to chc quan ly lao ong hoac tochc quan ly va chi tra thu nhap, xac nhan cua chnh quyena phng, van bang, chng ch,)Phong van trc tiep khach hangTrung tam thong tin tn dung cua NHNN VNCac nguon khac

Bc 2: Cham iem cac thong tin ca nhan c banNgi thc hien: Can bo cham iem tn dungThc hien cham iem cac thong tin ca nhan c ban theo

hng dan chi tiet tai phu luc 08 (PL08).Tong hp iem cua khach hang theo bieu iem tai bang

tren, neu khach hang at tong iem 0 th tiep tuc sang bc 3.

Bc 3: Cham iem tieu ch quan he vi Ngan hang

Ngi thc hien: Can bo cham iem tn dung


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Cham iem tieu ch quan he vi ngan hang cua khach hangtheo hng dan chi tiet tai phu luc 09 (PL09).

Bc 4: Tong hp iem va xep hang khach hangNgi thc hien: Can bo cham iem tn dungTong hp iem bang cach cong tong so iem cham cacthong tin ca nhan c ban bc 2 va iem cham tieu ch quan

he vi ngan hang bc 3. Sau khi tong hp iem, tien hanhxep hang khach hang theo phu luc 07.2 (PL07.2)

Bc 5: anh gia rui ro tn dung theo ket qua xep hangkhach hang

Ngi thc hien: Can bo cham iem tn dungThc hien anh gia xep hang khach hang la ca nhan thanh

10 hang co mc o rui ro t thap len cao: Aa+, Aa, Aa-, Bb+, Bb,Bb-, Cc+, Cc, Cc-, C nh mo ta trong bang sau:

Loai Mc o rui roAa+ Thap nhatAa ThapAa- ThapBb+ ThapBb Trung bnhBb- Trung bnhCc+ Trung bnhCc CaoCc- CaoC Rat cao

Lien he trao oi vi cac chi nhanh khac (oi vi trng hpkhach hang co quan he tn dung tai nhieu chi nhanh) e thongnhat ket qua cham iem xep hang; trng hp khong thongnhat ket qua th ghi ro trong t trnh bao cao ket qua chamiem xep hang.

Bc 6: Trnh phe duyet ket qua cham iem tn dung vaxep hang khach hang ca nhan

Ngi thc hien: Can bo cham iem tn dungSau khi hoan tat viec cham iem tn dung va xep hang oivi khach hang la ca nhan, lap t trnh bao cao ket qua, kyva trnh lanh ao phong. T trnh phai co nhng noi dung cban nh sau:

Gii thieu thong tin c ban ve khach hang;Phng phap/ mo hnh ap dung e cham iem tn dung;Tai lieu can c e cham iem tn dung;Nhan xet/ anh gia cua CBCTD dan ti ket qua chamiem va xep hang khach hang;

Ngi thc hien: Lanh ao phong cham iem tn dungKiem tra noi dung t trnh, ky trnh lanh ao phe duyet.


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Sau khi t trnh c phe duyet, tien hanh cap nhat ket quacham iem tn dung, xep hang khach hang ca nhan vao hethong thong tin tn dung cua ngan hang.

Lu tr toan bo cac ho s, giay t lien quan en viec chamiem vao ho s tn dung chung.

7. Phu luc Lu o Qui trnh cham iem tn dung va xep hang khach

hang. Cac phu luc.

STT TEN PHU LUC MA SO1 Bang phan loai doanh nghiep PL022 Bang cham iem quy mo doanh nghiep PL033 Bang cac ch so tai chnh ap dung cho

cham iem cac doanh nghiep thuoc nganhnong, lam, ng nghiep

PL04.1

4 Bang cac ch so tai chnh ap dung chocham iem cac doanh nghiep thuoc nganhthng mai dch vu

PL04.2

5 Bang cac ch so tai chnh ap dung chocham iem cac doanh nghiep thuoc nganhxay dng

PL04.3

6 Bang cac ch so tai chnh ap dung chocham iem cac doanh nghiep thuoc nganhcong nghiep

PL04.4

7 Cham iem tn dung theo tieu ch lu chuyentien te

PL05.1

8 Cham iem tn dung theo tieu ch nang lcva kinh nghiem quan ly

PL05.2

9 Cham iem tn dung theo tieu ch tnh hnhva uy tn giao dch vi ngan hang

PL05.3

10 Cham iem tn dung theo tieu ch moitrng kinh doanh

PL05.4

11 Cham iem tn dung theo tieu ch cac aciem hoat ong khac

PL05.5

12 Bang trong so ap dung cho cac tieu ch phitai chnh PL05.613 Tong hp iem tn dung PL0614 Xep hang khach hang doanh nghiep PL07.115 Xep hang khach hang ca nhan PL07.216 Cham iem cac thong tin ca nhan c ban PL0817 Cham iem tieu ch quan he vi ngan

hangPL09

18 Bao cao ra soat cham iem, xep hangkhach hang

PL10

8. To chc, thc hien


14/14

- Moi n v, ca nhan co lien quan trong he thong OCBtrach nhiem thc hien ung quy trnh nay.

- Viec sa oi, bo sung quy trnh nay do TG OCB Quyetnh.

TONG GIAM OC

Documents

P.QL - Quy trinh cham diem tin dung & xep hang khach hang