QUY TRÌNH CHO VAY 2006 SHB

QUY TRÌNH CHO VAY 2006 SHB

rffiSHB .r,. )i id i ri:i j"i ; r{:i i l:,i. [i{ ix i l.]l{i $ili Ll Li{ti lli sa: AJolgD-TGD cgr{G HOA XA Hgr cHU NGHIA vrE,T NAi!{ E\c lqp - Tt clo - Hanh phtic a"** Can Tho, ngdy 20 thcing i2 nd"nt 200.6 ri .i. it Noi nltLn: - HEQT vd Bun kidm scttit. - Nhu didu 3 " Ed thi hdntt". - Luu I/P.HEQT. euyfir EINH cira rdNc clArvr pdc (V/v: Ban hdnh euy trinh cho vay) * :k* ** :F * {<** :k** ** * * *:F *:k * * !k * rdnc crAM noc - Cdn ct Nglt! dinlt 49/2000/NE-CP ngdy 02/9/2000 cfia Chinh phit vi Td chftc ttd hoq.t dQng cfia Ngdn hdng thuong ntai; - Cdn cft vdo Quy€'t dlnh 1627/2001//D-NHNN ngdy 3I/12/2001 cita Ttfi'nr d6'c NgAn hd.ng Nhd nudc vd viAc ban hdnh Quy chA'cho t)a)) c,nifd chtlc ttn clung d.6'i rai'ftrirt, hdng; - cdn cit Quy€'t dinh 12fl2005/QD-NHNN ngdy 03/02/2005 ctrta Th6'ng ddc Ngdin hdng Nhd nudc rtd vi€c sita adi, Ud sung mQt sd didu cita euy ch6' cho vay cfia Td c1ftJ iln dung d6'i vdi khdch hd.ng ban hdnh kim theo Quyal dinh sd'1622/200UeE-NHNN ngdy 3I/12/2001 crtaTh6ng d6'c Ngdn hdng Nhd nudc; Cdn cft vdo Quya't dlnh 7Bj/2005/QD-NHNN ngdy 3l/5/2005 cila Tlfi'ng d6'c Ngart lzdng Nhd ntdc ttd viac srta ddi, bd sung Khodn I Eidu 6 crta euy€'t dinh s6' nTnOOsrci- NIINN ngdy 03/02/2005 cfia Thd'ng d6'c Ngdn hdng Nhd; - Ccin ct? Quyin han vd nhiQm vti crta Tdng'gidm d1'c quy clinh tqi Didu I0 cfia NgAn hdng Sdi Gdn - Hctt NQi, euvfr DINH 'Eidu 1: Ban hinh kdrn theo Quydt dfnh niy "Quy trinh cho vay,,iip clupg cho roi)n h0 thong Ngin hing TMCP Sii Gdn - Hd NOi. Didu 2: Quydt dinh ndy c6 hiQu luc thi hinh kd t[ ngiy ky, nhfrng quy dintr rudc ddy trrii vdi Quy rrinh niy hdt hi6u luc rhi hinh. Eidu 3: Ban Tdng Girim ddc, Giiirn ddc ciic Chi nhrlnh vi ciic ddn vi cd li6n quan rrlrc thuOc Ngin hing TMCP Sai Gbn - Hd NQi chiu trrich nhiQm thi hinh theo Quydt dinh nny. ' NGan uAnc sAr con - r{A N01 rdrqc crAM Edt QUY TRINH CHO VAY (Ban hanh theo Quy€t dinh sOl .1a.l20oolQD-TGD ngdy./.c th angiz ndm 2006 cia TGE) | - Tt=P TH! PHAT TRTEN KHACH HANG ll. TrEp NHAN NHU cAu cOA KHAcH HAN.G vA Dt xAc MINH 1t13 STT Gic bry0c thwc hi€n Thwc hi6n Chirng tu DAu vio DAu ra Trwc ti6p 4 I ChuAn bi danh s6ch hdng c6n tiep thi trong vd giao chi ti€u ti€p thi hdng cho CBTD khAch thdng khdch Trurdng PTD I Trudng PGD Cdrc thOng tin vrO khdch hang dang kf kinh doanh c0a Sd KHET, cdc khu c6ng nghi6p, khu ch€ xuat va qua lhOng lin dai chung Danh sach khdch. hang cin fiAn thi vui I rrvl!/ \r rt a Gqi di6n thoai xin hen vcyi khdch hdng c6n tiep thi Oe ten llch den tiep xuc vd gio,i thiQu, chdo b6n c6c sin phAm cOa SHB t6 ktriich trang Danh s5ch khrich hAng cAn tiep th! Lich ti6p thi j Di d6n khdch hdng : thiQu cdc sdn phAm cria Ngdn hing; phAm cr3a NgAn hdng; ho ss n6u kh5ch hdno +l d6lg y sir dqng sdn phAm; khdch hang vd d€ xuAt cdi ti6n sin ph5m nhdm d6p Ong nhu cAu cira kh6ch hang, nAng cao ch6t luonq sdn ph5m. T6 kh6ch hano (co th€ k6t hEi vcri l6nh dao d6i vsi c6c khdch hang lon) Phi€u hdng thdm do 1i kien khach nr .X rnreu tnam dd f ki6n khiich hirng * I oa oL^PoC Clten +: oay ou tnong tin 4 86o c6o ket qud ti€p thi cho l-inh dao, ddnh gi6 khdch hdnq ti€m nins. , t6 ffiracn neng Phi€u thdm do ;i ki€n kh6ch hdng da ducyc di6n di thong tin Bao c6o tiOp thi khach hang 5 E6nh giA cong tdc ti€p th! khich. hdng c0a CBTD thOng qua s0 lwong kh6ch hdng mcri d6n siao dich Trudng PTD/ Trudng PGD ThOng tin v0 kh6ch mo'i d6n giao dich hA^^ I rdr tv S6 Ket rhi theo doi que tiep n IJ GiSn ti6p 1 Thuc hi€n quing cao sdn phAm tr€n cac phuong ti€n thOng tin dai ch0ng -nhw b6o chi, truydn hinh, internet 2 Phdt tri€n khrich hdng thOng qua gicri thi6u c0a hQ thSng kh6ch hAns hi6n h0u v Cic br-p#c thyc hi8n Thr.vc hiOn Thcri gian thpc hiin Chwnq i* SAU vio Eiu ra TiOp nhin -nhu ciu vay v6n cria khAch hing: hcnn nA nhr r nArr lin drrnn ll4l 19 'eV ll,lU UqU lll I uur rV. nL:^^ .,4^ ^^, '^A l,\A^^ LA-^' / l' ilulig Vdll bL,r ;JU I\j ldul I I ldllV -:-^ l"'^ ^r^X^ l"' ^^Ahh F^hA " I ldr Ig rL.i,u Pl ldp ly, I lgdl il I I lvl ls kinh doanh, muc. dich Yay, nhuono an vav vOn hoic"du- 6n dAu tu, s6 ti€n vay, thcii gian vay, k0 hoach trd nq, tdi sin bdo'dim tiSn vay. ) r Ti6p nhin nhu ciu hoic tu ch6i cho vay: . . : t . N6u ti6p nhfn thi phAn cong CBTD gidi quy€t, ghi vdo s6 theo d6i qud trinh thuc hi€n; . Ntiu tr.v choi c0ng phdi ghi vdo sO theo d6i de th6ng tin cho c6c Chi nh6nh kh6c. I rtDdnf;'V | | | | I ft Da)an gl:l \ rruvrry I vs -r.^^^ *^4,, I r ur lg I rgcly Thong tin ph6ng vAn kh6ch hang S0 theo d6i kh6ch hanq dOn co nhu uL" r r9 Huong OEri Xnacn hdng c6c hO so giAy to,, tei li6u vay vOn giri Ngin hang vd gidl thich mqi thic mic c0a khirch hing li6n quan den cho vay, tu v5n cho kh6ch hdng lqra.chqn loai hinh vay thich hqp phn hep voi hoat dOng ct]a kh6ch hdnq. TO Xirdcn nang Trong ngiy .: uac gray ts vd tAi lieu do khdch hang mang theo B3n huong d3n h0 so vay von A I I i 1. lrep nnan no sc vay von ILr khdch .hdng, kiOm tra c6c di€u ki€n doi voi khdch hdng tr6n h0 so nhu sau: ning lqrc hdnh vi dAn sW; hdng durEc xem x5t khOng; kh0ng; -; , , , , , . I o Knacn nang Trong ngAy a. d -l Lrlay Oe nghi vay von cung torin bO h6 so,d5 dwoc DO XUng qay ntl - Bi6n bdn giao nhQn h6 sc vay von; 'i{gn ngdy -i,t, Ji .,:^ gll.' \Jr ./\du minh & th5m dinh /1 X6c minh tai tru s&, no'i sin xu6t kinh doanh c0a kh6ch hdng v6 : F Quy mo vir tinh hinh hoat d0ng; qudn lf vdr diOlr hdrhh crla ban l6nh dao; nhAn kA tn4n flnt- *rnna hnat lJr rqr I t\v lvqr r, Lrl lll l,l +llV li\Jg( dOng c[ra MMTB; -R , , , , , . I o Knacn nang Trong v&ng 0? ng&y ke +i. ^^:., rL"r I 19dy nhin durgc -l -r r X oay cu no scv tu khdch hdng X6c minh va th3m dinh TSBD Phc*q thSm Tronq vong Hi ss vd tai B6c c*c 2!1_\ (nh)i k&t hnln rrrvi llhAnn iin dr rnn \yr rqr r\vl di ihAm djnh), nqi dung thAm dinh nhu sau : :l hrDtr t\H5 I' lu vE L]uTgll JL/ ilLf u | \JiJU: ^.' r .,, ^,,.".,t lf tai TSBO; 5Lr UU|]g Vd LlUal theo qur/ dinh ci.a SHB. 02 ngay k +,'., -^:., rLr ti9dy nh3n drycc .: na na!nl thAm dinh tAl ^;- L.:^ .":* ^,',^ Uh^n^ | I I I livrju ru qin hin L{i.;. ni,i +ri rrl utd L4i ddm I sdii bao nr, ,,,.i^ L:^ ^:^ ' : unuyen Dao cao Inam olnn lal san bdo dam cho Phong tin dung. Trnnn nnirr 86o c6o ,ti^t- ^;; +i; \J!rili grd tdr san bdo oam. THAM DINH CHO VAY STT Cic bwdc thpc hi6n Ngucri Thuc hi€n Thcri gian thwc hi6n Chwnq tw Oiu vio Ddu ra 4 I Tham khdo cec th6ng tin vO kh6ch hirng th6ng qua Trung tam CIC c0a Ngfn hang Nhd nucrc : hirng di vd dang quan he, c6ng nq e0a kh6ch hing tqi c6c TCTD; hdng trong quan he giao dlch voi Ngdn hdng; tin v€ ngLPoi dai diQn, v6n ddno kV. t6 mdcn nang Trong ngiy Phi6u de nnhi ^t rn^ I rvl il wqr ry c6p thOng tin khirch hdng c0a SHB g&i NgAn hAng Nhd nucvc. Bdn thong tin khdch' hina .r't) (-lf I {. d Thim dinh h0 so vay v6n ctla kh6ch hing : vd ning lErc hoat dQng kinh doanh, vA hoat dOng kinh doanh cia kh6ch hdng; phucrng 6nldw 6n xin vay v6n; vir khd ndng hoin trd no vay; ' "2 , CBTD co th6 d6nh gid theo ! qudn diem crla minh (kh6ng Oit buQc phdi theo Phong ; ,, ; . '- ^1^ ^l +xi* ' Inam olnn) Iflnn cap co inam auviln ouvilt dinh. T0 kh6ch hdno +i.+ I ut tld 02 ngay COi vo,i ngin hqn vd 10 ngdry aor vsr trung & dai han H0 so do kh6ch hang a, rna aAn rrr.,il rg vclP, thong tin qua x6c minh ; lnam ornn thWc te va cac nguon thong tin kh;ic. Tcy trinh Inam oinn vd d6 xudt ^t ^ ,,^, , ret |lJ vdy ,l , '.7 Kl0m sodt lai tcv irinh thdm dinh . -l a, vd dO xu6t cho vay cia CBTD trwoc khi trinh cAp co thAm .,,,,rA., nhA rlr nrAt l/' 'v vvJ Y\. lnprYnd|Jlll/ I rr udnd ua il I rlsvrrvr vu Toi da n,.t ^^A,, x;\i v l rrgdy ri\-q rrAi nhn ri:tr ts]dtt |lGrt v fr Tc,' trinh ,, /: Li ldl l i uli il t ail2 Pnnnn Tll i Fhnnn 3i 13 02 ngay dOi voi chc vay trung & ddi ttdlt GD ChuyOn hd sc iin dung cho Phong thAm dinh thyc hien tdi ihAm dinh tal Ch, nhdnh. LoAi tru' c6c hO ss sau: - Cho vay ii3u dung dOi vvi CBCNV. - Cho vay tiai trE mua chfng kho6n cam c6ltne chAp bing chtrng khodn" - Cdc khodn cho vay khSc * lam cho dLr nE crla kh6ch hdng tai SHB khong vugt qu6 500 tri€udong Fhong TDI Phcng GD Thuc hien t6i thAm dinh tai Chi nh6nh c6c nQi duitg: - Khdch hang co di riieu kiQn vay v6n kh6ng; . - Nhr+ng r0i ro trong cAp tln dung cho khdch hdng; - Nhung di€u ki€n cAn bO xunq khi cAp tin dunq. Phong thAm dinh Trong vdng 02 ngiiy ldm vi€c To trinh tiii ,. ; tnam ornn t-a ^^,.,^., l ru JLr vdy von cua kh6ch hdng :iv. rniruu DUYFr cHo vhY i { STT C6c bwoc thwc hi€n Thwc hi6n Thcri gian thwc hi€n Gh#ne tiy DAU vio D6u ra Tru,ong lqp tnoan vay thugc thim quy6n crla Giim d6c/Ban tln dunq 4 Xem x6t ddnh gi6.lai todn b0 h0 so cung to trinh dd xuAt/ to trinh t6i thdm dinh, ra quyet dinh cho vay hoic kh6ng cho vay, cdi y€u cAu cAn thqrc hi€n b6 xung tru'cvc ^: Knr grar ngan von vay. Gi6m d6c / Ban TD t6i oa 02 n1,rgy - il;lrisorvay .rrtf'f,. - T,b.rfinh thim Cirfi vd de xu6i cho vay; - .Tslti'i$rit*.H. itli*'*.r'':iff:i:it. i,) l I i i j Trucrng hEp duryQt cho vay thi thOng b5o cho kh6tch hdng bi6t, huong d5n kh6ch hdng b6 xung c6c ch{rng tir, hoin thiQn c6c y€u cAu duyQt rhu?n truoc khi qiai nqAn v6n vay. T6 khech hang Trong ngr.'1'. Fiil'*ir:",.*+;:c6 ttru.y.€.f,if,iu{*+ I nnnd bdo cho vay giri khach L; ^^ r r6ug -l-rr uirna hrun dr r,r3t lzhAnn nhn I revrrv rrYy vu/ ?\ r\rrvl vay thqrc hi€n : - *R khich h:'rn 51 tu ch6i cho |\| |9v., t Ig| |5 VaV. to no Ir0ltn dr,rng Trong,ng'6gr l-iii so vay duygt khOng ^h^ ,,^,, ^,-,.* ur lrJ v 4y \,u{l nn tn'rn \3i,/I] I LJ Th0ng bdo tu khodn vay 4n3 hang. 5 Truong frqp kho.in tin dgng lruqt thdm quy6n ciia Chi nh6nh. I XhoAn tin d7ng vryg,t thAm quy6n c*a Chi nhdnh vit tltu1c thfn quyln c*a Ting Giam d1c , hoic ngu'bi dwgc ity quyeft I Ban tfn dqng Chi nhdhh hgp xem x6t, ddnh gi6 lai toan b0 h6 so cung Tcr trinh thAm dinhiTo,trinh lai thAm dinh, co f kien d€ xudt 16 rdng trinh T6ng Gidm d'oc hoic nguoi duoc fiy quydn" Ban tin dLrng CN Trong vong 02 ngay -_HO so vay von; - To trinh thAm dinh vd d€ xuAt cho vay. - To trinh tei tham dinh Bien bdn hop Ban tfn dqrng c.o f kidn d€ xu6t 16 rdng trinh TOng GD. 2 Trinh T6ng Gidm . d'6c. duyQt thuin cho vay theo d€ xuAt To kh6ch hdng Trong vong 01 ngAy ke trr khi Ban lin dqng hop 3 Duygt thuin khong cho vay hoic cho vay vo,i cac di€u kiQn phii bo xung hoAn thiOn T6.ng Gi6m doc (hoic nguoi duEc 0y quyen) t6ioa 0.2 ngay (vay ngin han) vd 03 ngdy (vay *r, rna .,A JA; U ut tv vd udl hen) - To trinh thdm dlnh de xuSt cho vay; - To, trinh tai th6m dinh; - Bi€n bdn hgp Ba! tin dgrng Tcy.trinh thAm dinh duEc ph6 duyQt. /, I Lap th6ng bdo cho khdch hdng chap thuqn cho vay ho{c khong cho vay giri khdclr hing, cdc yOu cAu phdi b6 xung hoan thien tru0c khisiii nqAn Td kh6ch " hdng Trong_vong 01 ngdy k€ tu ngdy duygt thuqn Td trinh thAm' dinh duec phd duy€t ThOng bdo cho vay I khong cho VAV. I Khoen fin dyng va?t thAm quy€n crta Chi nhdnh vd thu6c thArn quy6n c*a HQi ddng iin dung Ban tln dqrng Chi nhdnh xem x6t, ddnh gi;i lai-toirn b0 h? so ctng To trinh thAm dinh Oe xuAVfo trinh t6ithdm dinh vi c6 1i ki€n 16 rdng trinh HQi dOng tin dung ph€ duyQt. Ban tin dung CN t6i oa 02 ngiry To trinh th5m dinh/Tcr trinh tai th5m dinh Bi6n bin h^^ haF I ivP LJqr I lin A' '^^ ru I uuttg -l a. ce xuat vr tu vcly trinh H0i -l ^nnd trn rlrrnn Cn.uyll ts trinh thdm dinh de xuAt/To, trinh tdi thAm dlnh va bi6n bin hop Ban tin dung Chi nhdnh co 1i ki€n o-€ xudt 16 rang trinh HDTD v€ Firong qudn lf tin dung HO Phong tln r{r rnn Trong vong 01 ngay k0 tLr khi co f ki€n cda R:n fin drrnn 5 ,) Ti€p nhgn va thLrc hiQn tdi thdm dinh crip tin dung, de xuAt f kien tham mLru trlnh HOi dOnq tin DhAnn ^',i^ | | rvt tv quot i lr7 tin r'irrnn HO TOj oa 02 ngAy (doj voi ttay ngdn han) va Tcv trlnh tdt UldtiI crnn oe 5/13 rlrrnn uYr rlj uJ r rgdy \u\Jt v(Jl \/2\/ tfl rnn .?, .lii 'Y u vql L^-\ t tqt t) qqt J/ ki€n tham mL'U C0a DhA^^ I I tvriY ^',i^ t,', vucl I ty Tnrr^ il Pn nrrvAf dini- rin lin dirnn rrr-ri r \e YqJ .ac diLt r kiAn n)-4i hA vr r-n trtvitr' vov vrvs r\rvr I |,r rcr !v n qrrv rr I vv r.r.; r1.,,,^ h;A^ ^i:: ^- ^ ' Knr in!rc nren grar ngan vcn vay. L.lAi a-A-^ +i^ I rvr uvt rv Lil t uuilg Tronq vona 03 ^^:., l-A r.',, .^-: I lgdy r\s rL-? rigdy co f ki€n iham mtutt tttuu ,' : - ts Innn inam dinh/To irinh tAi |hAm .{ial-, /r\l Ll rdrrru|ilivtY, Bi6n bdn hop R:n f in r{rrnn Chi nhAnh. - To trlnh t6i ', ,. inam ornn cua Phong qudn I! TD HO. Bi€n bin hnn L lAi "YY I rvl AAnn +i^ Lr | | nlr rnn L lA; sa. !/ i ,il t ! Trinh HQi dOng Qudn tri phe duyOt.nQi dung cua Bi€n bdn hgp HOi dOna tln dunq Thr.r kf HQi dong tin dunq 'io !* 1 : I ! ii I i Thdng b6o duy€i ihu€n c0a HQi dong tln d.ung kem ch6p thuin cda HQi dOqg qudn iri cho Chi nh6nh Phong qudn ry TD HO Trong ngay ky xong Bien ben hgp HDTD vir chAp thuqn cOa HDQT 7 Sau khi co phe duy€t c0a HDTD ^ ti & chAo thuAn c0a HDQT: hdng hodn thi€n cde thi tUc theo y€u cAu trr-yoc khi gidi ngan v0n.vay. vay va giri kh6ch hdng trong truong hep khOng dwoc duvdt thuAn T6 khach r rdr l9 Trong ngdy nhin duoc thOng bdo - Bi€n-bdn hqp nor oong ltn dLrng Hai s&; - ChAp thuin c8a HDQT bing vdn bin. Thu thOng b6o cho vay hoac kh6ng cho vay g&i khdch hing. I f. HONi'r rAr HO sCI VA GIAI NGAN VON VAY STT C6c bwcyc thr,rc hiQn Thyc hiQn Tho,i gian thyc hiQn Chryng tw Diu vic "n4., u<tll I ct 4 Huong d6n khdch hing thqrc hi€n b5 xung cdc chrrng tu vi hodn thi€n c6c y€u cAu duyQt thuAn cria cAp co thAm quyen. T6 khech l ldr ru Trong ngdy nhAn dwgc ph6 duyQt Vin bin duyQt thuin cria c5p co thAm quy€n. ThOng b6o cho vay kem c6c y€u cAu ^h;; L.^:- Pr rdr I lrJclt I thi6n. -'I Tiep nh6n va chuytn giao h0 so tln dung ducrc duyQt thuin cho T6 h6 trE tin dgng T6 khach ^ -: nangd lo h6 tro tin rlr rnn vsr r\j Trong clng ngay kh6ch ': nang oo xung ho ss theo y€u cAu .'^': I oan Do no khach hang Bi0n bin giao nhin h0 ss r rur uu glLrd T6 khach . *; nang va I o nd trg tin dung Thr"rc hi6n ki ket hgp dOng iin dttna nhAn rJi, :iArr r.r're hrrn - i"Y' dAna *in rl' rnn .,- lAir cA han uvrr\-,l Uil uuttu ! j tqy ou tluv T6 hA tro tin r'irrnn Trnnn rrAnn n4 ^^4,, ^LA^ w | ilgdy ilildtl ,: ,. -: nosoiLu Io .: Haln dnhd ?lh I ruy vvttu \trl rltrna 6t13 ng tu SmartBank kh6ch hanq tl uol vot cac no3 oong bao dam ti6n va,J. kher:g pha; c0ng chung/chung thUrc thl thUrc hi6n soan thdo chuyOn khiich hdng ky cunE h?p dOng iin duns T0 ho iro tin dung' -lt rvn riA - ^"Y Y vvr iv bdo ddm ti6n rray duc-c kv r i. OAi r;n'i rar hmt rTAnn F,,i^ ,+i* I vqv I rw P uvt tg ud\J \td j ll tjOn vay phrii cOng chung/chwng thuyc thi hen khdch hdng thcri gian cu the di c0ng chung/chung thLrc, lip ven b6n u! quy€n di cOng chwng hgp dong. T6 h6 ira tin dung Trong vong . . : ." ur ngay Ke tLr khi nhin ho . ' -: sg tLl, I 0 kh6ch hding Lich hqn ngay gio di cong chungichung thuc. '.b Sau khi hoan thl6n kf k€t hqp dong bdo dim ti€n vay. Thqrc hien {eng kf giao dich bdo ddm ti€n vay theo quy dinh. -7 ' ; ro no trcy tin dung Trong cung ngay kii hEp dong bdo ddm ti6n vay Oon ding ky GDBD theo m5u duoc c5c b€n kf day dti Giay ch*ng nhqn dang k! hodc don ddng ky co x6c nh6n cia co'quan ddng Ky GDBD o NhQp vdo €marlBank thong tin hEp dOng bdo ddm tiOn vay, loaitdi sin bio odm. ro no trE ttn rlr rnn vY,,v Trong cung ngdy hoan thiAn hnn r"'Yrr rrYy dong bdo ddm ti€n vav In phi6u nhQp ngoai bdng tdi sdn bdo ddm. 7 ThLrc hien Copv lwu trrl vd chuyOn toan bo nO .o, g6c ve tdi sdn bio ddm nhr-r hoo dono bdo ddm ti6n vay, cac giSy tE gdc vO tdi sdn bdo ddm, bi6n bdn dlnh gid, don bdo hi€m (n6u co) cho Quy chinh de nhdp kho. T6 h6 trE tin dung & Qu! chinh Trong ngdy hoiin thidn hEp dong bdo ddm ti€n vay Todn bO h0 so khodn vay bdn Yvv. Bi6n bdn giao nhQn ho so, g6c khodn vay nhQp kho quy. 8 I ffri fna.cn hdng co nhu ciu gidi I ngan vOn vay : ll Ti6p nhAn cec tai ti€u, I chung tu chwng minh muc dlch sfr dgng v6n vay. '/ Ki€m tra lai tinh chinh xdc c6c chung tir giai ngan, ' mqc dlch vay v5n theo du_yQt thuin c0a cdp c6 thSm quyAn. ./ NOu h0 scr giai ngAn d5 dAy d0 lQp to, trinh gidi ngAn kem todn b9 h0 so, xin gidi ngAn cia khdch hdno. I T6 h5 tro.' tin I oung Trong cirng ngay dd nghi gidi ngAn c0a khdch hang HO so xin gidi ngAn hodn chinh bao gOm khr3 uqc nhAn nE vi c6c chung tu cho giii ngAn. To trinh dd nghi gi6i ngan cia Phong tfn dung; Kne usc nhAn no co kf nhin oay ou cua kh6ch hdng. Trinh GD/TPGD (hoic nguoi dugc uy quyen) k! giai ngan vOn vay. I o no tro trn dunq I rn h^ ^r 'q^ rtvttvuutlu ngiy de nghi gidi ngAn cria khdch hdnq To trinh gi6i ngAn cung h0 so xin gidi ngAn cia khdch hdnq I d lrrFh ^r^' iv L,ililtgtal nnAn dr pron r.Yerr vuvv drrrrAt ihrin evJ vr il rssil - Thuc hiQn. tqo tap taj khodn vay theo kh€ usc nhAn no tr€n ro no lro tjn dunq I i13 QmrriRank' vr Isr rvvr rr \r - | rpr r niip inin l^^ hA c.i .1iii nnAn r'ira - khir.h hAnn fit vrtc rrve,, vsYv duyQt thuAn vao Hd so lL"u tr.to cia khdch ha Trnr:n nirnn nnitr dr unc r^lrrvAt ihrrAn grar ngan KhC u,cc nl':in no nirnn rv euily Il\/ nnr^m .nr .; ,l ft!.:r\/ lrnh rrcn Hach to6n vero 'mey va thuc hiQn gidi ngan cho khdch hdng Phong dich vU khech harng Tr^^^ ^,',^^ rrvrrguuttg ngdy duoc duyQt thuAn aiii ^^A^ vtal I tgdti Chung tu gidi ngan beng chuyen khodn duygt thuin crla lSnh dao ; unuyen khoan hodc ti€n mit C5c buec thr,rc hiQn Chung tu' hdno de d6n d6c thu hOi Lip danh Sach cac khodn nE dOn han, gia hgn, qua han trong 15 ngiy lirm vi€c ke ti6p trinh GiAm -: '. +; , | . , ooc/ I ruong pnong va gur I o Knacn rrLrong H I u/ Tru^r&ng PGD Danh s6ch Knacn nang trvi han trA han nr ri han" DOn d6c khdch hdng thrrc hi€n tri nq g6c vd ldi vay dting han, dac biet -t quan tam d€n c6c kh6ch hdng d5 tr€ h4n vd qu6 han. CuOi tuAn b6o cdo k€t sud thu no trong tu6n cing nhfrng khodn nq Ob qud hAn hoic co dAu hi€u bAt thwo'ng, d6ng thcii d6 xudt c6c bien : ,,.t, -; ,, phdp cdn thiet d'e thu hoi no'. I o Knacn r rer rg lrL"Pong H I u/ Trudng PGD 86o c6o kOt qud thu no trong ky Thqrc hign ki€m so6t sau v6n vay voi tho,i gian thyc hi€n, nQi dung .thqrc hiQn ki€m soat sau theo quy ch€ cho vay hiQn hdnh c[ra SHB. (Bao gOm cd ki6m ka tdi sdn bdo ddm). rrL"rsngHlu/ Trwdng PGD Bi€n bdn |.; KIem lra co -"4-L ^i: ^,, udr li I gld uu th€ c6c nOi dung ki6m (lhrrrrAn khi rv-tr nhAn nO va vr rsJ' vl ^:^ ^t-,i,-^ r,',, +t '^ +^:^ /l lil.tra UdU L,l rLtr-l lV iLr tl ldj.l I tudl I \\Jl\rJ, giAy linh tiSn vay) cho PhonE die h vr r KIJ hach ioan va thwc hien sidi nqan cho kh6ch hd . KEM TRA, DON DOC THI.J HOI Ng ElEu cHINH LAr suAT crto vAy, THr/c HIFN MIEN GIAM LAt vAy STT C6c bwcvc thyc hiQn Thwc hi6n Thcri gian thwc hi6n Chwnq tri, Bdu vio Diu ra A. Didu chinh t1i sudt cho vay ;1 Dlnh ky hang thdng thqc hi€n ra sodt tAt cd c6c hgp COng tin. dqrng trung hqn con du nq phdi diOu chinh l6i suAt T6 h5 trs tin rlr rnn -uur ry Danh sdch n:n hrun r?Ann +i- J,,-^ ^h;; rii I L]ur rv Pr rdl tiiOu chinh l6i suat I Ldo io trinh diOu chinh I5i suAt ti"inh I n nr.\ TrnJ ttn Tri-rsc khi To trinh diOu 8/1 3 lSnh dao duygt thudn, to tr-inh phii xdc dinh rd muc rdi suAi dp CrJng ky kO tr0p vd thsi gian ap dung. Sau khi dr*rsc duy€t thuAn ldp thdnq bdo lii suAi msi chuyOn f6 ffrac[ hano uuttg ioi ky hqn dieu chinh T; l":' l!l I ;, Inn tar suai cvay" u ilu ULI liii di rnn vY,,y r rong ngay dt pr tr' r{r rrrAl vv v v vv jv( +L,,A^ ti rLldl I | | lvtig UcU tdl suAi moi tt L' |,tr" I llur i r.1 iul l,J udu uf iu Kltagil i nang I o Knacn hane r rong ngay B MiSn sidm l1itiln vav 1 Ti€p nhin hO sc mi6n gidm ldi cia khdch hdng (Dcin xin mi€n gidm lai vay; Bing kO chi tiet.lai vay con nE chura thanh todn; Ho so tai chfnh; Cric chung tu lidn quan kh6c) T0 kh6ch I tdl t9 Trong ngdy 2 Thqc hign xdc minh vi l6p to,trinh thAm dlnhh dO xuAt f kien cu th€. TO khach hinn Trong vong 02 ng,iy ke tu ngay nhpn dri hO so cia KH ThOng tin v€ khdc hdno: HO so miSn gidm lii vay To trinh thdm dinh d'€ xu6t y kiOn trinh lSnh dao. Trinh duyQt cap co thAm quy6n (GDiBTD/TpD/HDID) theo quy ch€ mi6n gidm l6i vay c0a SHB tO tfracfr I rclr lg To trinh thAm dinh duroc duyQt thuin; Bi6n bdn hgp ouyQt thu?n miSn qiim l6i. ,4 a Chuydn t& trinh duoc duyQt thuan/bi€n bin hqp duygt thuin cho Phong kO todn thwc hi6n hach to6n theo quy dinh -:,,,, I o Knacn r rclr tu Trong ngdy dcvcyc duyet thuAn 5 Thryc hi6n h4ch to6n theo quy ch6 tdi chinh hi6n hanh c0a SHB ,l rnong Ke to6n Trong c&ng ngdy duyQt thudn il. THUNgcocvALAtvAY qTT G6c bwo,c thlyc hi0n Thrgc hign Thoi gian thr.rc hi6n Ch&ng iu Diu vio i oAu rt Kh6ch hing den tri ng tnycyc hen. 1 Ti€p nhqn y€u cAu trd no toan b6/mQt ph6n v6n g6c va l6i vay tu khdch hdng vd b6o cho Phong tin dung Phong dich vU KH 2 Thwc hi€n tinh todn l6i, cdc loai phi kh6ch hang phrii k6 b6o cho Ihong dich vu khach hdnq T6 h6 trs tin aung Thuc hien : - Lap chung tu thu v6n g6c va lai vay kh6ch hang trd. - Thu tiOn trd no g6c va l6i vay cda kh6ch hdng. - Trinh Ldnh dao kV chung tu Phong dich vU KH Trong ngiry Ti6n mdt hodc cnuyen Knoan Chuynq tLf :hr r rrAn aAa Lr rq vvt I gug YA rdr vdy, c) 73 [...]... han tqd no (sau dAY g-qi chung ld co cAu lai nq vay) cfia khdch hdnq D6nh gii tinh hinh thanh to6n nE vay; th5m dinh tinh hinh tiri chinh vd hoat dOng sdn xuAt kinh doanh; l?p ts trinh thAm dinh vd d€ xu5t nhLp khi cho vav Trinh duyet cho cq c5u'lai nq, vi€c quyet dinh co cAu lai nq vaY cho khdch hdrng c0ng 9uec thuc hiQn nhw quy trinh ra quy t dinh cho vaY hdng Ki€rn so6t Trwdng phong TD T6 kh6ch hdng... hang toi SHB 16 n6 trE tin dqng Phong tin dunq Phong tin 'dunq Phdng dich KH vqr Chuydn cho Phong tin dUng Phong dich vu dahh s6ch c6c kh6ch hdng con KH ng l6i vay sau ngdry 25 hAng th6ng D6n d6c khdch hdng thuc hi€n nQp ti€n thanh iodn l5i vay lx dunq TAT TOAN Nq VA GtAt CH,q,p TAt SAN BAO OAM STT 1 2 4 4l - Phorrg tin Thr,:,c hi6n C6c bucyc thuc hi€n Ti6p nh?n y€u cAu t6t todn ng Phong dlch vay ctia... gl.,ut do 'thu ncr vay d,On han tdt t Thuc hi€n trd kh6ch hdng c6c Phong dich vu chLrng tu trich tAi khodn ti€n giri KH thu nq g6c vay d6n han Thu ncv ldi vay hinq th6nq Dinh ky vdo ngdy 20 hang thdng, thqrc hi€n tinh todn lii phdi trd c0a khdch hirnc Chuy€n g{5y yeu c6u thu lii cho Phong dich vu khdch hdnq Ki€m tra tai khodn c0a tuno kh6ch hing, neu co d0 ti6n thUi hi€n thu l5,i theo quy dinh /l - r... tnnn oe -l xuit ccv cAu iai nq vay To khech rluvrrv phong tln oung hdng To, trinh de Phe duy€t co rnam quyen :i xuAt ccv c6u cua cap lai nq crla Phong tin dunq i Sau khi duqc duy€t thu?n thLrc hien th6ng b6o cho kh6ch hdng, kV PhU : luc ho,p dOng tin dqng (vay theo mi^\ l,/ t^^X^ ulEu ,{i4,, I Ilul I ludu ^h?-h yld ul lil lr I nic lran I nru I lv I l9l tren khe uoc (vay theo hAn muc) Truong hqp khOng... so' dang th{,}c hiQn giao dich - Ho so tu chOi cho vaY Ho ss i6t todn HO so dang giao dlch dwqc thL^Pc hi6n luu triv theo md so khdch hdng: hi€n luu tru tAt cd cdc tdi to co li€n quan d6n khodn fO n6 trq tin dqng Trw&ng phong TD - Bdn chinh cdc tdi liQu giaY to duqc lwu gi0 tai Kho qu! c0a Ngin hdng gOm hop dOng b6o ddm ti€n vaY, Einf' gia'tai sdn, giAY uY quY6 n, b6o cao thAn'l dinh tiri sdn, bi6n... xuydn b6o cdo lai tinh hinh thu ng, dO xuAt bign ph6p thu no Khi khach hdng c6 ng qud han thgc hiQn thong b6o cho Bdn bdo l6nh thwc hiQn nghTa vqr cam k€Vthyc hi€n di do,i tai sdn bdo ddm la hing hoa vO kho cira Ngin hirng/d6i vdi tdi sdn th6 chAp khdc v6u cAu bdn th€ chAp bin giao tai sdn cho SHB - J A Tiep nhan c6c iii sin bdo ddm tu kh6ch hdng vd b6n bdo lSnh theo T6 khech hdng Trudng" phong TD T6... vav Doi vo,i cdc khodn no, qu6 hgn tr€n i6^ ' , 1E0 ngay trinh -,1 TOng GiSm dOc duyei lhuan vi 0y quyen thuc hien khoi Phong thAm dinh ' ; rnong Inam Giam d6c (,tam coc dinh 12/T3 I kien ben vay va b€n thO ch2iP ra toa An co thAm quvOn qiii quvet hien cac thir tuc t6 tung tham gia khoi kien bsn vaY, b€n thO chAP I I nao Ianh theo quv dinh ilm,:c Xir l-tJU TRU HO SG Cac bu,cvc thwc hiOn ^+a Phong... uivi vuvv rr\juvr Atvar oim la_chung gidr do SHB hoic t{' chuc tu co ( D6i vsi tdi sdn bao lrnnn nart\/ rv r'rrr nr rrrAn\ kh6c ph6t hdnh D6i v6i cdc tdi nnhi I y,rr cho gral ^hA ^ +A; ul tdlJ t6t sin bdo dim itltilI r-hin ""-t- \-ltal dltmc ,-irrrrA+ +h',.A^ uuycr Lt ludt GD kh6c Hach to6n xuat ngoai bing titi T6 h6 trE tin rlr rnn uvr tt sin bdo ddm, chuyen QuY chinh tai d6 thrrc hi€n xuAt kho h0 so... TOAN Nq VA GtAt CH,q,p TAt SAN BAO OAM STT 1 2 4 4l - Phorrg tin Thr,:,c hi6n C6c bucyc thuc hi€n Ti6p nh?n y€u cAu t6t todn ng Phong dlch vay ctia kh6ch hdng vdi b6o cho vt.t KH Phong tin dunq ThWc hiQn tinh todn nE g6c vd lai T0 h6 trE tin vay chuy6n Phong dich vU KH dqng thvc hi6n thu ns Lfp chung tu thu ti€n cia Phong dich kh6ch hang vu KH Ngwoi Ki6m soiit Chwng tw DAu vdo Bdu ra Ti6n do khdch hang,...va NJhfrp tri lai cho khach hirnq viio may giao dich thu v6n Giao dich viOn goc vd l5i g6c vay d6n hgn theo ciu ci.ra Phong ti@gng r +,: FhAnn riinh rrr I rep nnan gidiT y€u cAu thu no vjvrr vu Thu T.^-^ tg ilgdy ^^A,, rrvi n-cv ySu 1 I I rray dOn han c[ra