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Hoạt động tái thẩm định cho vay khách hàng doanh nghiệp vừa và nhỏ tại BIDV - Chi nhánh Sài Gòn
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Mô tả chi tiết
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MSSV: 1154030358
– ăm 2015
trong quá trình c t
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ă 2015
ii
BIDV
NH
NHTM
TMCP
NTMCP
DN : Doanh
DNVVN : Doanh nghi p vừa và nh
QHKH
QLRR
CN
CSKH
PASXKD n xu t kinh doanh
BCTC : Báo cáo tài chính
B : Tài s n b m
UBND : Ủy ban nhân dân
iii
................................................................................................................................... vi
.................................................................................................................................. viii
...............................................................................................................................................1
1 U .........................................................................................................................2
1 1 .........................................................................................2
1 2 ..........................................................................................................................2
1 ..............................................................................................................................................3
1 .........................................................................................................3
1.5 .....................................................................................................................3
1 .............................................................................................4
2
........................................................................................................................................................................5
2 1 ....................................................................................................................5
2.2 CHO VAY...............................................................................................................................................5
2 2 1 m .........................................................................................................................5
2 2 2 ng..................................................................................................................6
2 2 m m .............................................................................................6
2 2 ............................................................................................................6
2 2 5 ..............................................................................................7
2 .......................................................................................................................7
2 ..................................................................................................................................9
2 5 .................................................................10
2 ....................................11
2 1 (DNVVN) ...............................................................................................11
2.6.2 Chính sách tín d ng của ngân hàng ................................................................................................12
2 ủ ...................................................................................................12
- ...........................................................................................................14
1 .......................................................................................................14
2 ...................................................................14
2 1 .........................................................................................................................14
2 2 m- .............................................................................15
2 m- ...................................................................15
iv
2 m- ..........................................................................16
- .....................................................................................................16
1 .....................................................................................16
2 .........................................................................................................................17
...................................................................................................................................18
2011 201 -
.............................................................................................................................................................19
1 ........................................................................................................................20
3.5 CN- ..........................232
3.5.1 ă cho vay ..........................................................................................................232
3.5.2 ă m m.........................................................................................................233
3.5.3 ă ...................................................................................................233
- .....................................................23
- ........................24
1 ...................................................................................................................24
2 ....................................................................................................................25
..........................................................................................................26
..........................................33
1 .........................................................................................................................33
1 1 ........................................................................................................................33
2 ........................................................................................................34
2 1 m .........................................................................................................34
4.2.2 Bi n pháp b m tín d ng ............................................................................................................35
2 ủ ...........................................................................39
4.3.3 Phân tích ho ng và triển vọng của khách hàng .......................................................................41
4.3.4 Phân tích tình hình quan h v i Ngân hàng BIDV ........................................................................42
4.3.5 Quan h giao d ch v i các t ch c tín d ng khác ...........................................................................43
......................................................43
5 ................45
5 1 m ă .................................................45
4.5.2 Tính toán hi u qu tài chính, kh ă n của PASXKD.......................................................47
4.6 ............................................................................................458
4.6.1 Tài s ch p ngân hàng.....................................................................................................49
4.6.2 Tài s m b o b ã lý ......................................................50
v
.........................................................51
.............................................................................................52
4.10 ...........................................................................................57
11 ............................................................................57
4.11.1 Phù h p v nh tín d ng, chính sách tín d ng và chính sách qu n lý rủi ro hi n
hành.............................................................................................................................................................57
11 2 ..............................................................................................................................57
4.11.3 K t qu m c x p h ng Tín d ng thông qua vi c kiểm tra các thông s ã c áp d ng.......58
11 i v khách hàng..........................................................................................58
11 5 i v tình hình tài chính của khách hàng..............................................................59
11 i v i phân tích rủi ro trong giao d ch v i khách hàng.............................................................59
11 m ......................................................................................................60
11 m ă ...................................................60
12 ....................................................................................................60
5 1 ...........................................................................................................................................62
5 2 ..........................................................................................................................................62
5 2 1 ..............................................................................................................62
5 2 2 ..........................................................................................63
5 2 ể m...........................................63
...............................................................................................................................................655