Đang tải... (xem toàn văn)
Khóa luận tốt nghiệp Quản trị kinh doanh: Quản trị rủi ro tín dụng Ngân hàng Nông nghiệp và Phát triển Nông thôn chi nhánh huyện Châu Thành, tỉnh Hậu Giang được thực hiện với mục tiêu nhằm phân tích, đánh giá tình hình quản trị rủi ro tín dụng NHNNPTNT Chi nhánh huyện Châu Thành, tỉnh Hậu Giang, từ đó đưa ra các giải pháp, kiến nghị nhằm nâng cao...
package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } TRUCXNG Dfll HOC VO TRU0NG TO AN KHOA KINH TE 0(11 HOC VO TRdOHQ TOl ^THOvilN KHOA LUAN TOT NGHIEP DETAI QUAN TRI RUI RO TIN DUNG NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN CHAU THANH, TINH HAU GIANG Sinh vien thuc hien: Mai Ngoc Lai Chuyen nganh: QUAN TRI KINH DOANH Giao vien hirang dan: Bui Cao Nhan Hgu Giang, 25 thdng 07nam 2012 wmmmmmmmmmmmmmmmmmmmmmmmmm package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { LOI CAM TA if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } Trong thai gian hoc tap va nghien cuu duai mai truong Dai hoc V6 Truong Toan toi da dugc sir chi bao va giup da tan tinh cua Ban giam hieu nha truong, cung cac Thay Co, dong thai qua thai gian nghien cuu thirc tap tai Ngan hang Nong nghiep va Phat trien Nong thon (NHN0&PTNT) Chi nhanh huyen Chau Thanh, tinh Hau Giang da giup toi van dung dugc cac kien thirc da hoc vao thirc te cong viec de hoan tot khoa nghien cuu Mat du da co gang het minh, nhung thai gian nghien cuu thirc tap co han va hieu biet han che nen kho tranh khoi nhung thieu sot nhat dinh, rat mong quy Thay Co, quy Ngan hang gop y giup de bai nghien cuu dugc hoan thien han Xin chan cam an Ban giam hieu, cac Thay Co truong Dai hoc Vo Truong Toan, Ban giam doc, cac Anh Chj nhan vien NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang da tan tinh chi bao va giup suot thai gian hoc tap tai truong va tao dieu kien tot nhat cho toi hoan khoa nghien cuu thirc tap tai quy Ngan hang Sau cung, xin gui lai chuc tot dep nhat tai Ban giam hieu, cac Thay Co truong Dai hoc Vo Truong Toan, ban Giam doc, cac Anh Chi nhan vien NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang lai chuc sue khoe va luon hoan tot nhiem vu cua minh tren moi llnh vuc cong tac Kinh chuc quy ca quan hoat dong cang hieu qua han Hau Giang, 25 thang 07 nam 2012 SVTH Mai Ngoc Lai •l- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { LOI CAM DOAN if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } Toi xin cam doan rang de tai la chinh toi thirc hien, cac so lieu thu thap va ket qua phan tich de tai la hoan toan trung thirc, de tai khong trung voi bat cu de tai nghien cuu khoa hoc nao Hau Giang, 25 thang 07 nam 2012 SVTH •li- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { NHAN XET CUA GIAO VIEN HUONG DAN if(con != null) { • try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } Trong thai gian thirc hien khoa luan tot nghiep, sinh vien Mai Ngoc Lgi, MSSV: 0854010024, lop Dai hoc Quan tri kinh doanh khoa I, da chap hanh tot noi qui cua nha truong, thirc hien dung nhung yeu cau cua giao vien huang dan Trong qua trinh thirc tap sinh vien Mai Ngoc Lgi co tinh than lam viec- hoc tap nhiet tinh, thai nghien cuu nghiem tuc Tu nhung no lire va tim toi hoc hoi, ket hgp thirc tien va ly thuyet sinh vien Mai Ngoc Lgi da hoan tot khoa luan tot nghiep Giao vien huang dan dong y cho sinh vien Mai Ngoc Lgi bao cao khoa luan truac Hoi dong khoa luan cua Truong Hau Giang, 25 thang 07 nam 2012 GIAO VIEN HU6NGD Bui Cao Nhan •in- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { TOM TAT if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } Trong cac lTnh vuc hoat dong cua ngan hang thi tin dung chiem ty cao nhat, mang lai nhieu lgi nhuan nhat cho ngan hang Dong thai tin dung cung la hoat dong kinh doanh phuc tap nhat so voi cac hoat dong kinh doanh khac cua ngan hang thuong mai, dem lai nhieu riii ro nhat cho ngan hang NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang cung nhu cac NHTM khac dang dung truac nhung thach thuc ve canh tranh va hoi nhap quoc te, cang doi hoi khac khe han cac tieu chuan ve sir an toan, lanh manh ve tai chinh, ve nang lire dieu hanh va quan tri rui ro Do viec xay dung va hoan thien he thong phong ngua rui ro hieu qua ngan hang doi voi cac nghiep vu noi chung va doi voi nghiep vu tin dung noi rieng la mot yeu cau buc thiet va quan trong, voi muc tieu phan tich, danh gia tinh hinh quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang, tu dua cac giai phap, kien nghi nham nang cao chat lugng quan tri riii ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang De tai su dung phuong phap: So sanh, tuyet doi - tuang doi, ty trong, va toe phat trien xac dinh muc anh huang tren cac chi so tai chinh de danh gia tinh hinh hoat dong tin dung cua Chi nhanh ket hop voi phuong phap tong hop va suy luan de de giai phap, kien nghj nham nang cao hieu qua quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau thanh, tinh Hau Giang Qua ket qua phan tich ta thay hoat dong kinh doanh cua Chi nhanh giai doan nam 2009-2012 phat trien tuang doi on djnh Tuy nhien rui ro hoat dong tin dung luon luon ton tai hoat dong cua cac NHTM va cac to chuc tin dung vi vay viec phong ngua va giam thieu rui ro tin dung la mot hoat dong het sue can thiet doi voi NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang noi rieng va cac NHTM noi chung Vi vay, nhung giai phap va kien nghi dugc dua a phan ket luan va kien nghi la thiet thuc doi voi hoat dong ciia Chi nhanh, Ngan hang cap tren va he thong NHTM ca nuac: Giai phap ve ang cuang cong tac quan ly hoat dong tin dung: Xay dung bo phan quan tri riii ro tin dung, he thong xep hang, nghien ciiu, dua vao ap dung cac m6 hinh quan tri riii ro phu hop voi thuc trang hoat dong va cac quy dinh hien hanh, dac diem hoat dong ciia ngan hang - thong le quoc te, phan tan rui ro tin dung: Ma rong cho vay doi voi moi phan kinh te, moi doi tugng khach hang, tranh viec cho vay qua muc doi voi mot doi tugng khach hang va mot phan kinh te, han che rui ro khach hang gap rui ro khong tra dugc ng •IV- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { Thuc hien bao hiem tin dung duoi cac loai nhu: Bao hiem hoat dong cho if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } vay, bao hiem tai san, bao hiem tien vay, dau tu hien dai hoa cong nghe ngan hang: Chii han nua den dau tu cong nghe thong tin giup lanh dao co the quan ly tai san, an toan he thong tot han, nhat la quan ly rui ro tin dung -v- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { MUC LUC try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } LCttCAMTA i L6ICAMDOAN ii NHAN XET CUA GlAo VIEN HU'CJNG DAN lii tomtAt iv MUC LUC vi DANH MUC BIEU BANG x DANH MUC HINH xi DANH MUC TU'VIET TAT ' phAnmcjdAu xii 1 Dat van de nghien cuu 1.1 Ly chon de tai 1.2 Can cii khoa hoc va thuc tien 2 Muc tieu nghien ciiu 2.1 Muc tieu chung 2.2 Muc tieu cu the Cau hoi nghien cuu Pham vi nghien cuu 4.1 Pham vi ve khong gian 4.2 Pham vi ve thai gian 4.3 Noi dung nghien ciiu Luge khao tai lieu CHUONG 1: PHUONG PHAP LUAN VA PHUONG PHAP NGHIEN CUU 1.1 Phuong phap luan 1.1 Tin dung ngan hang 1.2 Phan loai tin dung ngan hang 1.3 Vai tro cua tin dung ngan hang doi voi nen kinh te 1.4 Riii ro tin dung hoat dong cua ngan hang thuong mai 1.5 Cac cong cu quan trj rui ro tin dung -vi- 16 package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { 1.1.6 Nguyen tac Basel quan tri rui ro tin dung cua Ngan hang thuong mai 18 if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } 1.1.7 Mo hinh danh gia riii ro tin dung 19 1.1.8 Quan tri rui ro tin dung a mot so nuac 21 1.2 Phuong phap nghien cuu 23 1.2.1 Phuong phap thu thap so lieu 23 1.2.2 Phuong phap phan tich 23 CHUONG 2: THUC TRANG HOAT D0NG KINH DOANH NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN chAu thAnh, TINH HAU GIANG 25 2.1 Giai thieu khai quat ve NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 25 2.1.1 Lich su hinh 25 2.1.2 Co cau bo may to chuc quan ly va chuc nang cua cac phong ban 25 2.2 Thuc trang hoat dong cua NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 25 2.2.1 Hoat dong huy dong von 26 2.2.2 Hoat dong tin dung 29 2.2.3 Hieu qua kinh doanh 32 CHUONG 3: THUC TRANG HOAT DONGQUAN TRI RUI RO TIN DUNG TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN CHAU THANH, TJNH HAU GIANG 38 3.1 Quan tri riii ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 38 3.2 Chinh sach tin dung NHN0&PTNT Chi nhanh Chi nhanh huyen Chau Thanh, tinh Hau Giang 38 3.3 Tinh hinh du ng tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 39 3.4 Tinh hinh phan loai ng vay NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 41 3.4 Danh gia chung ve tinh hinh quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang -vn- 44 package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { 3.4.1 Danh gia chung if(con != null) { try { 44 con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } 3.4.2 Nhung han che can khac phuc 44 CHUONG 4: M0T SO GlAl PHAP QUAN TRI RUI RO TIN DUNG TAI ngAn hAng NONG NGHIEP vA phAt TRIEN NONG THON CHI NHANH HUYEN CHAU THANH, TINH HAU GIANG 46 4.1 Nang cao chat lugng hoat dong tin dung 46 4.1.1 Doi vai hoat dong huy dong von 46 4.1.2 Doi voi hoat dong tin dung cho vay 46 4.1.3 Doi voi hoat dong kinh doanh 47 4.2 Giai phap quan trj rui ro tin dung 48 4.2.1 Phan loai khach hang 48 4.2.2 Cong tac tham dinh va xet duyet 49 4.2.3 Thu thap va su dung co hieu qua thong tin hoat dong tin dung 49 4.2.4 Nang cao chat lugng doi ngu can bo tin dung 50 4.2.5 Cong tac quan ly 51 4.2.6 Giai phap hoan thien quy trinh cho vay 52 4.2.7 Giai phap tang cuong kiem tra, kiem soat noi bo ve tin dung 53 4.2.8 Giai phap trich lap quy, xu li rui ro tin dung 4.3 Bien phap quan ly ng 54 54 4.3.1 Giai quyet ng co van de 54 4.3.2 Giai quyet ng qua han 54 4.4 Danh gia kha nang tra ng cua khach hang 55 4.5 Quan ly sau rui ro 56 4.5.1 Xay dung he thong cac chi tieu canh bao riii ro 56 4.5.2 Quan ly, giam sat thu hoi ng xau 56 KET LUAN VA KIEN NGHI 58 Kit luan 58 Kien nghj 58 2.1 Doi voi NHNn&PTNT Viet Nam -vni- 58 package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } 2.2 Doi vai Ngan hang NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang 60 } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } TAI LIEU THAM KHAO 62 IX- package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); Ben canh do, can bg tin dung cung co the thu thap thong tin can thiet qua cac sach bao, cac van ban huong dan, qua Internet hay cac phuong tien thong tin dai chiing, Nhung nguon thu thap se dem lai cho cac can bo tin dung nhung danh gia chinh xac ve tinh hinh hoat dong cua khach hang va thj truong } } } public static Connection getConnection() { return con; } } tieu thu san pham du an dau tu Mot nguon thu thap thong tin khac ciia cac can bo tin dung la tu dong nghiep cua minh, tu cac ban hang, cac doi tac ciia doanh nghiep de thu dugc nhung thong tin tin cay ve cac uu, nhugc diem ve san pham, djch vu tren thj truong tai mot thoi diem tham djnh Ngoai ra, nhung thong tin co dugc tu cac ngan hang khac co quan he voi khach hang truoc hay hien nay, cac co quan quan ly, cac cong ty tu van, cac cong ty kiem toan khac co lien tai cac llnh vuc san xuat kinh doanh ma Chi nhanh tham gia tai trg cung rat hiiu ich Luong thong tin ben ngoai het sue da dang va phong phu, nhien khong dam bao su chinh xac tuyet doi nen viec su dung thong tin Chi nhanh can co su phan loai thong tin tin cay de su dung va nhung thong tin chi co gia trj tham khao Chi nhanh can phai xay dung mot doi ngii can bo chuyen trach viec thu thap, phan loai, xu ly va luu tru thong tin ve tung mang cu the nhu ve tung loai du an, ve cac van ban, quyet djnh ciia Ban tong Giam doc, ve van ban phap quy ciia Nha nuoc, ve moi truong kinh te xa hoi, Moi mang thong tin thu thap dugc can phai xu ly mot each khoa hgc, thuan tien cho viec tim kiem va su dung thong tin phuc vu cho hoat dong tin dung Ngoai can phai nang cao y thuc va trach nhiem cua tung can bo Chi nhanh Ngan hang viec bao mat nguon thong tin Xay dung tot he thong thong tin va da dang hoa nguon thong tin thu thap Chi nhanh se co dugc mot he thong thong tin tuong doi day du va chinh xac ve san pham du an, khach hang, tu nang cao tinh chinh xac viec xet duyet cho vay, gop phan giam thieu riii ro tin dung 4.2.4 Nang cao chat lirong doi ngii can bo tin dung Trong cac hoat dong kinh doanh cua ngan hang, cong tac tin dung co the dugc coi la cong viec phiic tap nhat Cac ban bao cao tin dung the hien su danh gia chii quan cua cac can bo tin dung ve nang lire tai chinh, hieu qua kinh doanh va kha nang toan ng ciia khach hang dua tren cac tieu chuan lira chgn va viec xem xet phan tich mot each ky luong Cong viec doi hoi phai co nhung can bo co trinh va nang lire, am hieu, thong thao nghiep vu Boi vay, de nang cao chat lugng tin dung ngan hang va han che rui ro tin dung, can phai dac biet chii trgng toi viec nang cao chat lugng doi ngu can bo tin dung GVHD: Bui Cao Nhan - 50- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri riii ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { De co the nang cao trinh va kien thiic nghiep vu cho doi ngii can bo tin // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } dung, Chi nhanh nen thuang xuyen ma cac lap boi duang, dao tao can bo Can bo tin dung can phai theo kjp cac chu truong, chinh sach cua Dang va Nha nuoc: ve phap luat, cac hoat dong kinh te xa hoi, che va the le nghiep vu tin dung, Cac lop dao tao boi duong co the cac can bo co trinh cao, co kinh nghiem true tiep gian day hoac ciing co the moi cac giang vien cac truong Dai hgc, cac chuyen gia o ben ngoai den giang day Chi nhanh nen khuyen khich cac can bo tin dung phai thuong xuyen dgc, nghien ciiu, tim hieu cac van ban, cac quyet djnh cua Nha nuoc va cac quy djnh, huong dan cua Ngan hang cap tren Chi nhanh cung nen khuyen khich cac can bo tin dung tu hgc tap, dao tao, nang cao trinh va nang lire ban than Cu the hon, Chi nhanh nen tao mgi dieu kien ve thai gian ciing nhu kinh phi de hg co the tiep tuc theo hgc cac khoa hgc sau Dai hgc lay bang thac si, tien si, Chi nhanh cung co the ho trg kinh phi de cac can bg tin dung bo sung them kien thuc ve tin hgc, ngoai ngu, giup hg tiep xiic dugc voi cac phuong tien hien dai, cong nghe tien tien Ben canh do, Chi nhanh ciing nen som xay dung mot doi ngu can bo chii chot, co nang lire, co kinh nghiem theo hgc cac lop dao tao ve chuyen nganh quan trj riii ro tin dung de lam tru cot cho hoat dong quan li riii ro tin dung Chi nhanh can kiem tra, theo doi va danh gia mot each djnh ky, thuang xuyen trinh ciia tung can bo tin dung de lap ke hoach boi duong cho nhung can bo chua nam vung dugc cac nghiep vu hay chuyen hg sang cong tac o cac vj tri thich hgp hon Chi nhanh ciing can can nhac, lira chgn va tao dieu kien cho cac can bg co trinh cao, nang lire tot, co muc tieu phan dau va co y thuc cong viec len nhung vj tri cao hon Chi nhanh can co mot che dai ngo thoa dang va cong bang Voi nhirng can bo dat tich cao cong viec, Chi nhanh nen co su khen thuang kiep thai de khuyen khich, dong vien nhan vien hoan cong viec dugc giao mot each tot hon Dong thai vai nhung can bo thieu tinh than trach nhiem cong viec, phai xu ly nghiem minh, co nhu vay cong tac quan ly riii ro tin dung noi rieng va hoat dong kinh doanh ciia Chi nhanh noi chung moi dat dugc hieu qua tat 4.2.5 Cong tac quan ly Chi nhanh can hoan thien mot co cau to chiic dieu hanh phu hop, tao dieu kien cho cac bo phan phat huy dugc het vay tro va trach nhiem ciia minh Su phoi hgp chac che giua cac bo phan tung Chi nhanh, giua cac Chi nhanh voi cac phong ban hoi so se tao mot co cau to chiic thong nhat va chat che Ben canh do, can bo tin dung o Chi nhanh can thiet lap va cung co moi quan GVHD: Bui Cao Nhan - 51- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rid ro tin dungNHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); he voi cac bg phan tin dung o cac ngan hang khac de hgc hoi, trao doi kinh nghiem lan nham nang cao chat lugng cong tac tin dung } } } public static Connection getConnection() { return con; } } Chi nhanh nen phan chia can bo tin dung tung nhom, moi nhom phu trach mot loai san pham du an phan theo nganh nghe nhat dinh, vi du nhu cac du an san xuat, cac du an thuang mai, cac du an xay dung, Dieu se chuyen mon hoa dugc can bg tin dung tung linh vuc, giup hg am hieu hon ve nghiep vu, gop phan tang tinh an toan va hieu qua hon hoat dong tin dung Chi nhanh ciing nen su dung cac chuyen gia tham djnh: Trong truong hop cac khoan vay Ion, phuc tap thi van de su dung chuyen gia (cac chuyen gia ngoai ngan hang) la hgp ly va can thiet Viec tap hgp doi ngii cong tac vien ngoai ngan hang phuc vu cho cong tac tham djnh noi rieng va cong tac tin dung noi chung can co quy che gan lgi ich va trach nhiem, nham tan dung dugc kien thiic cua chuyen gia tham djnh va ngan ngua viec tiet 16 thong tin bi mat ciia khach hang Chi nhanh can phai tang cuong cong tac kiem tra, giam xac viec thuc hien va thoi gian hoan tham djnh tai chinh du an dau tu cua cac can bo de han che cac rui ro tin dung co the xay 4.2.6 Giai phap hoan thien quy trinh cho vay Chi nhanh can cai tien va doi moi quy trinh xet duyet tham djnh va cho vay, kiem tra giam xac tinh hinh luan chuyen von vay mot each chat che, djnh ky va dat hieu qua cao de han che cac dau hieu tieu cue co the xay tham djnh cac du an, xet duyet cho vay, de tu phat hien kjp thai cac khach hang lam an kem hieu qua hay du an kem kha thi Quy trinh tin dung phai dugc thuc hien tren nguyen tac la tach doc lap chiic nang kinh doanh, chiic nang qua ly riii ro va chuc nang tac nghiep nham giam thieu rui ro xuong miic thap nhat va phat huy toi da ky nang chuyen mon cua tung vj tri can bo Theo do, ho so vay von can dugc xem xet toan dien, kiem tra mot each chinh xac va khach quan truoc trinh ban lanh dao phe duyet, bao gom cac khau: Lap ho so, phan tich nang lire khach hang, danh gia tinh kha thi ciia du an, Quy djnh ro nhung noi dung ciia tung khau cong viec, trach nhiem cua cac can bo len quan mot each cu the, bao gom tu khau tham djnh, kiem soat, den khau xet duyet cho vay Can bo phong tin dung nhan ho so true tiep tu khach hang, doi chieu cac doanh muc ho so, kiem tra tinh phap ly ciia tung ho so, phan tich, tham djnh, danh gia tinh hinh chung cua khach hang va bao cao cho truong phong tin dung GVHD: Bui Cao Nhan - 52- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); Can bg phong tin dung se dua tren nhung bao cao tren de kiem tra lai toan bo ho so vay von, tinh hop le, hgp phap, xac djnh miic rii ro cua ho so dua tren tat ca cac phuong dien (tir riii ro chung den riii ro rieng) nham dam bao an toan tin dung, mo rong hoat dong mot each an toan hieu qua Truong phong tin dung se quyet djnh phe duyet tin dung dong thoi tham gia xu ly cac khoan tin } } } public static Connection getConnection() { return con; } } dung co van de Can bo phong tin dung: True tiep thuc hien cac tac nghiep lien quan den viec giai ngan, thu hoi ng, kiem tra tinh tuan thu ciia khach hang, nhap du lieu vao he thong, nhan va luu giu ho so tin dung, thuc hien cac tac nghiep lien quan den tin dung 4.2.7 Giai phap tang cufrng kiem tra, kiem soat noi bo ve tin dung Thu nhat, can xac djnh ro rang vai tro va trach nhiem cua ban lanh dao Chi nhanh va nhan vien hoat dong tin dung va quan ly riii ro tin dung la rat can thiet nham dam bao: Nhiing quyet djnh quan trgng lien quan toi cac chien luge tin dung, xet duyet tin dung va quan ly riii ro tin dung dugc dua mot each thich hgp boi mot tap the, cac ca nhan voi kinh nghiem va kien thiic phu hgp, trach nhiem ban Giam doc giao dugc thuc hien diing voi sir uy nhiem do, cac ca nhan dugc giao nhung vay tro thich hop cho phep dam bao phan tach nhiem vu mot each phu hgp nham tao mot moi truong tin dung co kiem soat Thu hai, thong qua qua trinh kiem tra, giam xac tin dung, Chi nhanh phai thuang xuyen theo doi, phan tich cac thong tin co lien quan den tinh hinh su dung tien vay, tien thuc hien ke hoach kinh doanh, kha nang tra ng va miic tra ng cua khach hang vay von Tang cuong cong tac kiem tra giam xac giup Chi nhanh phat hien sam dau hieu rui ro, phan tich nguyen nhan va co bien phap huu hieu de xu ly kjp thoi, tir giam thap nhung khoan ng ton dgng va thap ton that Thu ba, Chi nhanh phai danh gia miic tin nhiem ciia khach hang mot each thuang xuyen Trong truong hgp phat hien nhung sai pham nhu cung cap thong tin sai sir that, vi pham hgp dong, Chi nhanh can thuc hien xu ly theo quy djnh phap luat Dieu rat quan trgng vi giam xac khach hang thuc hien von vay, se kjp thai doi voi cac riii ro xay ra, han che riii ro tin dung Thuc te can co mot chuong trinh giam xac rieng, cac can bo true thuoc bo phan phai co kien thuc chuyen mon, nang lire ve danh gia cac hoat dong tin dung de co the danh gia tinh hinh tin dung noi chung, chat lugng tin dung noi rieng, tir dua cac kien nghj, giai phap thich hop voi cap lanh dao nham thiet lap he thong phong ngua rui ro voi cac hoat dong kinh doanh cua Chi nhanh GVHD: Bui Cao Nhan - 53- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { 4.2.8 Giai phap trich lap quy, xii' li rui ro tin dung // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } Theo nhung quy djnh moi ban hanh cua NHNN Viet Nam nhu Quyet djnh 493/2005/QD-NHNN 22/04/2005 cua Th6ng doc NHNN ve viec ban hanh Quy djnh phan loaLng, trich lap va su dung du phong de xu ly rui ro tin dung hoat dong ngan hang cua To chuc tin dung va quyet djnh so 18/2007/QDNHNN 25/04/2007 ciia Thong doc NHNN ve viec sua doi, bo sung mot so dieu khoan cua Quyet djnh 493, ng ciia cac Ngan hang thuang mai dugc chia nhom: Voi ng tu loai den loai la ng xau; Con ng nhom - ng thong thuong - trich du phong 0%; ng nhom - ng can chii y - trich du phong 5%, Chi nhanh nen co nhiing bien phap thich hop de kjp thai ap dung phuong phap phan loai ng va trich lap du phong rui ro theo nhung ty le da dugc quy djnh Day la mot buoc tien moi voi each phan nhom ng theo Quyet djnh 493 da tien gan toi nhung chuan muc quoc te, la cac loai ng voi miic riii ro khac da gang lien voi ty le trich du phong khac nhau, buoc dau tao nen quy du phong dii Ion de xu ly ton that Ciing theo quy djnh ng xau (nhom 3,4,5) chiem ty le khoan tu 2-5%, mot ty le chap nhan dugc Co nhu vay Chi nhanh moi co the danh gia cac khoan ng mot each chinh xac, tinh toan chinh xac khoi lugng ng xau ton dgng va thuc hien trich lap du phong rui ro mot each phu hop, nham dat dugc hieu qua cao nhat, tu nhan djnh ve khach hang tot nhat nham han che rui ro cho NHTM noi chung va Chi nhanh noi rieng 4.3 Bien phap quan ly no* 4.3.1 Giai quyet no* co van de Khi khach hang co dau hieu phat sinh ng xau, phai tim hieu nguyen nhan de co giai phap thich hgp Co bien phap xu ly tu dau quan ly kho hang, kho nguyen vat lieu, phong toa tai san, tien hanh khoi kien sam, nen kha nang thu hoi ng rat cao may moc thiet bj liic dang hoat dong, gia trj su dung van con, ly voi gia cao hon liic da bj bo hoang - Can phai xay dung he thong tham djnh ng co van de de thiic day nhanh viec xu ly ng ton dgng tai Chi nhanh - Giup thu hoi cac khoan ng bj chiem dung cua khach hang - Tu van them cho khach hang - Nhan them tai san the chap hoac sir bao lanh 4.3.2 Giai quyet no* qua han Bien phap khai thac: Ap dung de xu ly nhung khoan ng qua han thuoc loai kho doi giong nhu mot chuong trinh phuc hoi GVHD: Bui Cao Nhan - 54- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro (in dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); - Ngan hang huong dan, tu van khach hang nhung van de, kha nang tao } } } public static Connection getConnection() { return con; } } san pham va lgi nhuan - Gia han dieu chinh lai ky han de giam dugc quy mo hoan tra truoc mat, cho vay tiep de tang siic manh tai chinh cho nguoi vay, khoi phuc lai cho san xuat kinh doanh va to chiic giam sat - Quan ly chat che ngan quy chi tieu, khuyen ban bot tai san co gia trj, giam hang ton kho - De nghj khach hang nen cai to he thong san xuat kinh doanh, to chuc lai san xuat, thay doi thiet bj, may moc va cong nghe Khuyen khich khach hang thu hoi nhung khoan ng tra chain bang each day manh tien trinh thu hoi khoan phai doi, giam toi da lugng von bj chiem dung - True tiep giup khach hang gap kho khan tai chinh nhu cap them tin dung de phuc hoi san xuat kinh doanh - Cuoi cung neu tinh the khong the khong the giai quyet dugc thi tien hanh ly tai san 4.4 Danh gia kha nang tra no' ciia khach hang Can bo tin dung tien hanh phan tich doi chieu tinh hinh su dung von vay, tinh toan xac djnh nguon thu, danh gia kha nang tra ng tren co so lam cam ket ve tien tra ng cu the voi khach hang, thong qua thii tu uu tien: Thu tir phuong an, du an kinh doanh (nguon thu thu nhat) tiep den thu tu phat mai tai san dam bao (nguon thu thii hai hay ggi la nguon du phong) va cuoi cung la thu tu nguon thu khac nhu: Tu nguon tai trg, von khac, • Nguon thu thu nhat: Khi tham djnh, can bo tin dung da cung khach hang tinh toan xac djnh chu ky kinh doanh, dong tien cua phuong an, du an, hoac nguon tra ng khac de thong nhat thai han cho vay, ky han ng Can bg tin dung phai phoi hgp voi khach hang de lam ro nguyen nhan, neu nang lire tham djnh ciia can bo tin dung yeu kem dan den xac djnh thoi han cho vay sai, hoac nguyen nhan khach quan thi ngan hang cung doanh nghiep ban bac dieu chinh hoac gia han ng cho phu hgp, neu khong vi ly tren, can bo tin dung phai cung don vj doi chieu dong tien giai ngan de xac djnh cu the hinh thai bieu hien cua tien vay Trong qua trinh doi chieu neu: - Von nam o khau nguyen vat lieu: Phai yeu cau khach hang hach toan, xac djnh lai neu thay khong can thiet sir dung hoac khong the su dung dugc phai ban de tra ng ngan hang GVHD: Bui Cao Nhan - 55- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHNa&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { - Von vay dang nam tren day chuyen san xuat: Phai xem xet tung truong hgp cu the de co bien phap quan ly va ke hoach dau tu thich hgp // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } - Von vay o khau pham, hang hoa: Phai xem xet lai khau tieu thu - Von dang nam o khau hang gui di ban: De nghj khach hang kiem tra, doi chieu lai - Von vay dang o cong ng phai thu: Yeu cau khach hang soat, doi chieu voi hgp dong mua ban de biet dugc khoan ng da qua han hay chua? Co kha nang thu hoi hay khong? Trong qua trinh xac djnh nguon thu, danh gia kha nang thu, lam cam ket voi khach hang ve tien tra ng, can bg tin dung can ket hop danh gia, kiem tra tinh chinh xac ciia cac so lieu, xu huong phat trien de co ke hoach dau tu diing dan, dam bao an toan, hieu qua • Nguon thu thu hai (thu tu tai san dam bao): De danh gia nguon thu nay, can bo tin dung cung khach hang phai soat lai tinh phap ly cua tai san, thuc trang tai san, thu tuc va kha nang ban, chuyen nhugng va tranh thu su ung ho ciia cac co quan chiic nang xu ly thu hoi ng vi cang de lau cang kho xu ly, tai san cang xuong cap, mat gia trj • Nguon thu thu ba (thu tir nguon khac): Nhu cac nguon kinh phi ho trg tu don vj chu quan, cac khoan dau tu den han, ban cac tai san khac, phat hanh co phieu, can phai dugc tham djnh, danh gia cu the cho tung truong hgp 4.5 Quan ly sau riii ro 4.5.1 Xay du*ng he thong cac chi tieu canh bao riii ro He thong cac dau hieu canh bao rui ro phan anh quan diem va danh gia cua ngan hang ve nhung dau hieu phan anh kha nang hoat dong dang giam xiic va miic rui ro tang len cua khach hang He thong dugc xay dung tren co so cac ly thuyet ve quan trj riii ro ngan hang va co so khach hang co tinh dac thu cua moi ngan hang 4.5.2 Quan ly, giam sat thu hoi no' xau - Tiep nhan toan bo ho so khach hang, tien hanh phan tich tong the xac djnh nguyen nhan chu yeu dan den rui ro - To chiic dieu tra phan tich chuyen sau, xac djnh chinh xac muc riii ro - Trong truong hgp danh gia khach hang kha nang phuc hoi kinh doanh va tra ng ngan hang, de xuat cu the cac giai phap phuc hoi nhu: Tai co cau lai GVHD: Bui Cao Nhan - 56- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri riiiro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); hoat dgng kinh doanh, thay doi can bo quan ly, chuyen huong san xuaT, cat; giam chi phi, ly cac tai san khong can thiet, dong thai ap dung cac bien phap ho } } } public static Connection getConnection() { return con; } } trg - Truong hop danh gia khach hang khong kha nang phuc h6i san xuat kinh doanh, lira chgn mot giai phap xu ly huu hieu: Bo xung cam co va giam xac ton kho, yeu cau chuen giao cho ngan hang cac quyen doi ng, ban tai san thi chap, cam co, tien hanh cac thu phap ly ve pha san doanh nghiep GVHD: Bui Cao Nhan - 57- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } KET LUAN VA KIEN NGHI Ket luan Ngan hang Nong nghiep va Phat trien Nong thon Chi nhanh huyen Chau Thanh, tinh Hau Giang ciing nhu cac NHTM khac dang dung truoc nhung thach thiic ve canh tranh va hoi nhap quoc te, cang doi hoi khac khe hon cac tieu chuan ve sir an toan, lanh manh ve tai chinh, ve nang lire dieu hanh va quan trj rui ro Do viec xay dung va hoan thien he thong phong ngua riii ro hieu qua ngan hang doi voi cac nghiep vu noi chung va doi voi nghiep vu tin dung noi rieng la mot yeu cau biic thiet va quan trgng, nham dam bao hieu qua kinh te qua trinh hoat dong va phat trien ciia mot ngan hang thuang mai Hoat dong ngan hang luon ham chua rui ro, dac biet va thuang xuyen la rui ro tin dung Do do, de co sir tang truong on djnh can thiet phai tang cuong kiem soat chat lugng tin dung, giam dan ti le trich lap du phong rui ro xuong muc thap nhat, nham tang thue thu nhap doanh nghiep (tang thu nhap chinh phu) Do do, viec de nhung giai phap nham han che va giam thieu rui ro tin dung tai Chi nhanh that su la moi quan tarn hang dau Xuat phat tu thuc trang tren, de tai co gang nhan dang va he thong hoa dugc cac hien trang rui ro tin dung hien tai Chi nhanh; phan tich va lam ro nhung han che va ton tai hoat dong quan trj riii ro tin dung tai Chi nhanh; van dung nhung co so ly luan va kinh nghiem quan trj rui ro quoc te; ket hop voi nhiing y kien dong gop tich luy qua nghien cuu thuc tap tai Chi nhanh Tu do, de nhung giai phap quan trj rui ro tin dung mang tinh thuc tien cao, gop phan hoan thien va nang cao hieu qua hoat dong quan trj riii ro tin dung noi rieng va hoat dong kinh doanh noi chung tai NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang Kien nghj 2.1 Doi voi NHN0&PTNT Viet Nam 2.1.1 Nang cao chat lu'ong quan ly va dieu hanh Nang cao chat lugng quan ly, dieu hanh vi mo ciia nha nuoc, can phai co ke hoach chi tiet phu hgp thuc tien truoc ban hanh cac van ban phap luat, han che tinh trang sai toi dau sua toi Ngan hang nha nuoc can soat lai cac van ban lien quan toi linh vuc ngan hang, dac biet la tin dung ngan hang, nhanh chong hoan thien thong nhat dong bo GVHD: Bui Cao Nhan - 58- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { Tiep tuc hoan thien quy che cho vay, bao dam tien vay tren co so bao dam an toan cho hoat dgng tin dung Hoan thien quy trinh cap tin dung, phan loai ng, trich lap du phong va su dung du phong rui ro Co co chS chinh sach huong dan cu the de cac to chiic tin dung co the chii dong viec xu ly va khai thac tai // TODO: handle exception e.printStackTrace(); } } } public static Connection getConnection() { return con; } } san cua khach hang (phat mai tai san va tu chju trach nhiem v§ viec lam ciia minh) Ngan hang Nong nghiep can co quy djnh kiem toan bao cao tai chinh bat; buoc doi voi Doanh nghiep Hien nay, khong co yeu cau bat buoc phai kiem toan bao cao tai chinh cua cac doanh nghiep nen ngan hang kho xac djnh tinh chinh xac, trung thuc cua cac so lieu tren bao cao tai chinh ma doanh nghiep cung cap cho ngan hang Ban hanh quy djnh ve tieu chuan, cac yeu cau doi voi he thong quan trj riii ro huu hieu Quy djnh ve cong tac kiem tra, kietn soat ngan hang, he th6ng quan ly tai san ng/ tai san co va he thong quan ly riii ro tin dung 2.1.2 Nang cao hieu qua hoat dong trung tam thong tin tin dung Can tao lap he thong thong tin tin dung co tinh huu ich cao hon theo huong: Dua tren co so hop tac, NHNN thuc hien kit noi kho thong tin du lieu giua cac ngan hang de bo sung, tang tinh day du va sir chinh xac cua kho du lieu, khong chi la cac du lieu ve khach hang ma cac danh gia va du bao ve nganh, lam nen tang phan tich va tham djnh tin dung Dua tren thong tin ve cac doanh nghiep, nganh hang, du an da cap tin dung, Trung tam thong tin tin dung tong hgp va dua cac danh gia, phan tich va cung cap cac thong tin huu ich cho toan bo he thong de su dung tham djnh tin dung Kho du lieu can co tinh mo de co kha nang tich hop voi kho du lieu ciia cac ngan hang khac, nham dap ling nhu cau hop tac canh tranh dugc dat moi truong hoi nhap Can thiet lap cac moi lien he voi cac to chiic, djch vu cung cap thong tin tren the gioi de co the khai thac, mua tin can thiet de dap ling yeu cau thong tin tu cac Chi nhanh, dac biet la cac thong tin ve tinh hinh tai chinh, hoat dong ciia cac cong ty me - doi tac o nuoc ngoai cua cac doanh nghiep, dac biet la cac doanh nghiep thuoc khu vuc kinh te co von dau tu nuoc ngoai 2.1.3 Tang cird'ng cong tac tra kiem soat Nang cao chat lugng tra bang each nam bat kjp thai cac nghiep vu kinh doanh, djch vu ngan hang hien dai, ap dung cong nghe moi nham giam xac lien tuc cac ngan hang thuang mai duoi hai hinh thuc tra tai cho va giam xac tir xa GVHD:Biii Cao Nhan 59- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri riii ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); Thanh tra tai cho se nang cao hieu lire cho viec xu ly cac vi pham khong tuan thii cac quy djnh phap luat nguyen nhan khach quan de ap dung cac che } } } public static Connection getConnection() { return con; } } tai cu the Giam xac tir xa giup canh bao kjp thoi cac sai pham de cac ngan hang thuang mai co bien phap ngan ngira rui ro hoat dong kinh doanh noi chung va hoat dong tin dung noi rieng Nghien ciiu va djnh huong hoat dong phong ngira, han che rui ro tin dung, tiep thu co chgn lgc cac kinh nghiem ciia cac nuoc dang phat trien giup cac NHTM tang truong an toan va co kha nang canh tranh voi cac to chuc tin dung nuoc ngoai 2.2 Doi voi Ngan hang NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang Mac du thai gian thuc tap tai NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang tuong doi ngan Nhung toi nhan thay doi ngii nhan vien lam viec nhiet tinh, tan cong viec, co tinh than trach nhiem cao Trong thai gian toi, hoat dong tin dung van la hoat dong chinh, la nghiep vu chu yeu mang lai thu nhap cho Chi nhanh Tuy nhien, van de riii ro tin dung Chi nhanh van ton tai nhieu bat cap, doi hoi sir quan tam hon nua den cong tac quan ly rui ro tin dung Sau day, toi xin de xuat mot vai y kien sau: 2.2.1 Tang cird'ng cong tac quan ly hoat dong tin dung Kjp thai trien khai viec xay dung bo phan quan trj riii ro tin dung, he thong xep hang tin dung noi bo hoa cao nham ho trg cho viec quan trj rui ro Nghien ciiu, dua vao ap dung cac mo hinh quan trj riii ro phu hop voi thuc trang hoat dong va cac quy djnh hien hanh, dac diem hoat dong cua ngan hang - thong le quoc te Can phoi hgp voi cac don vj lien quan thuong xuyen to chiic cac khoa dao tao va boi duong kien thiic de nang cao nang lire danh gia, luong, phan tich riii ro tin dung cho can bo Day manh cong tac kiem tra, kiem soat tin dung toan he thong Trich lap du phong riii ro tin dung theo phan loai mire riii ro thich hgp gan voi viec danh gia xep loai doanh nghiep 2.2.2 Phan tan riii ro tin dung Ma rong cho vay doi voi mgi phan kinh te, mgi doi tugng khach hang, tranh viec cho vay qua miic doi voi mot doi tugng khach hang va mot phan kinh te, han che rui ro khach hang gap rui ro khong tra dugc ng Thuc hien bao hiem tin dung duoi cac loai nhu: Bao hiem hoat dong cho vay, bao hiem tai san, bao hiem tien vay Hien nay, tai Viet Nam moi chi co bao GVHD: Bui Cao Nhan - 60- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHN0&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); hiem tai san dugc thuc hien de han che riii ro doi voi tai san dam bao ngan hang, yeu cau don vj mua bao hiem toan bo gia tai san dam bao cho ngan hang va nguoi thu huong quyen boi thuang la ngan hang } } } public static Connection getConnection() { return con; } } Da dang hoa lTnh vuc dau tu, nguon tien Chi nhanh dugc dau tu vao nhieu linh vuc, nganh nghe khach nhau, tranh sir anh huong cua chu ky tang truong va suy thoai ciia cac lTnh vuc kinh doanh nen kinh te thj truong 2.2.3 Dau tu hien dai hoa cong nghe ngan hang Chii trgng hon nua den dau tu cong nghe thong tin giup lanh dao co the quan ly tai san, an toan he thong tot hon, nhat la quan ly rui ro tin dung Cac NHTM Viet Nam dang trien khai du an hien dai cong nghe ngan hang va he thong toan Qua he thong tren, cac NHTM, cac Chi nhanh ciing he thong co the thong tin cho ve tinh hinh hoat dong ciia khach hang co cimg quan he tin dung he thong mot each nhanh nhat f' GVHD: Bui Cao Nhan 61 SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHNG&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); TAI LIEU THAM KHAO } } } public static Connection getConnection() { return con; } } Luat cac to chiic tin dung (2005) Nha xuat ban chinh trj quoc gia Luat cac to chiic tin dung so 47/2010/QH12 sua doi, bo sung mot so dieu theo Nghj quyet so 51/2001/QH10 thong qua 16 thang nam 2010 Luat NHNN so 46/2010/QH12 sua doi, bo sung mot so dieu theo Nghj quyet so 51/2001 /QH10 thong qua 16 thang nam 2010 Thong tu so 13/2010/TT-NHNN quy djnh ve ty le bao dam an toan hoat dong ciia cac to chiic tin dung Ha Noi, 20 thang 05 nam 2010 Quyet djnh so 03/2007/QD-NHNN sua doi, bo sung mot so dieu cua Quy djnh ve cac ty le dam bao an toan hoat dong cua cac to chiic tin dung "ban hanh kem theo Quyet djnh s6 457/2005/QD-NHNN", thong qua 19 thang 01 nam 2007 Quyet djnh so 127/2005/QD-NHNN sira doi, bo sung mot so dieu cua quy che cho vay cua to chirc tin dung, thong qua 03 thang 02 nam 2005 QuyeT djnh s6 457/2005/QD-NHNH quy djnh v£ cac ty le dam bao an toan hoat dong cua cac to chirc tin dung, thong qua 19 thang 04 nam 2005 Quyet djnh s6 493/2005QD-NHNN ve phan loai ng, trich lap va sir dung du phong Ha Noi, 22 thang 04 nam 2005 Phan Thj Ciic (2008) Giao trinh nghiep vu Ngan hang thuong mai Thanh Ho Chi Minh: Nha xuat ban thong ke 10 Truong Quoc Doanh (2007/ Rui ro tin dung tai Ngan hang TMCP Ky thuong Viet Nam -Thuc trang va giai phap phong ngira: Dai hgc Nha Trang 11 Nguyen Dang Don (2009) Quan tri Ngan hang thuong mai hien dai Thanh H6 Chi Minh: Nha xuat ban phuong dong 12 Thai Van Dai va Nguyen Thanh Nghuyet (2010/ Quan tri Ngan hang thuong mai Thanh Can Tho: Nha xuat ban Dai hgc Can Tha 13 Nguyen Minh Kieu (2009) Quan tri riii ro tai chinh Thanh Ho Chi Minh: Nha xuat ban thong ke 14 Nguyen Thanh Liem va Nguyen Thj My Huong (2009) Quan tri tai chinh Thanh Ho Chi Minh: Nha xuat ban thong ke 15 Le Van Te (2009) Nghiep vu ngan hang thuong mai Thanh Ho Chi Minh: Nha xuat ban thong ke GVHD: Bui Cao Nhan - 62- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro tin dung NHNG&PTNT Chi nhanh huyen Chau Thanh, tinh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); 16 Le Van Te (2009) Tin dung ngan hang Thanh Ho Chi Minh: Nha xuat ban giao thong van tai } } } public static Connection getConnection() { return con; } } 17 Truong Quan Thong (2010) Quan tri ngan hang thuong mai Thanh Ho Chi Minh: Nha xuat ban tai chinh 18 Le Thj Hiep Thuang - Ho Dieu va Bui Dieu Anh (2009) Nghiep vu tin dung Ngan hang Thanh Ho Chi Minh: Nha xuat ban thong ke 19 Nguyen Van Tien (1999) Quan tri rui ro kinh doanh Ngan hang Thanh Ho Chi Minh: Nha xuat ban thong ke 20 "Ty le lam phat nam 2009 theo Tong cue Thong ke la 6,88%" http://vietbao.vn/Kinh-te/Lam-phat-nam-2009-dat-muc-tieu/65184935/87A try cap 07/07/2012 http://cafef.vn/2009122410051546CA33/lam-phat-binh-quan-12-thang- nam-2009-la-688.chn< try cap 07/07/2012 21 "Ty le lam phat nam 2010 theo Tong cue Thong ke la 11,75%" http://vnexpress.net/gl/kinh-doanh/2010/12/3ba249cf/, try cap 07/07/2012 http://vneconomy.vn/2011010105375966P0C6/lam-phat-2010-yeu-to-tiente-khong-phai-la-chu-yeu.htm, try cap 07/07/2012 22 "Ty le lam phat nam 2011 la 18.12%, theo cong bo cua B6 truong B6 Ke hoach-Dau tu Bui Quang Vinh" http://taichinh.vnexpress.net/tin-tuc/song-tai-chinh/chi-so-vimo/201 l/12/lam-phat-nam-2011-la-18-12-4379A try cap 07/07/2012 http://www.baomoi.com/Lam-phat-ca-nam-2011-la-1812/50/7588605.epi, try cap 07/07/2012 23 "Hiep uoc Basel (Basel I & Basel II)" http://www.sbv.gov.vn/wps/portal/!ut/p/c4/04_SB8K8xLLM9MSSzPv8xBz 9CP0os3 gDFxNLczdTEwMLO 1dLA09_XAYNcAOwNzA_2CbEdFAFjmS9E!/?WCM_PORTLET=PC_7_0D497F540O8 A70IOVKL3FS1 GE5_WCM&WCM_GLOBAL_CONTEXT=/wps/wcm/connec t/sbv_vn/sbv_vn/vn.sbv.research/vn.sbv.research.research/f8dbc 1004318d4a68ae 8dff32ela987c, try cap 25/06/2012 http://luattaichinh.wordpress.com/2010/07/08/hi%E1%BB%87p%C6%B0%E 1%BB%9Bc-basel-i-v-basel-ii/ try cap 25/06/2012 24 "Quy djnh 'Basel' ve von tu co cua ngan hang thuong mai" GVHD: Bui Cao Nhan - 63- SVTH: Mai Ngoc Lgi package connectDB; import java.sql.Connection; import java.sql.DriverManager; import java.sql.SQLException; Quan tri rui ro (in dung NHNa&PTNT Chi nhanh huyen Chau Thanh, (inh Hau Giang public class ConnectDB { public static Connection = null; private static ConnectDB instance = new ConnectDB(); public static ConnectDB getInstance() { return instance; } public void connect() throws SQLException { String url = "jdbc:sqlserver://localhost:1433;database name=QLNVIEN"; String user = "sa"; String pw = "123"; = DriverManager.getConnection(url, user, pw); if(con != null) { System.out.println("thanh cong"); } } public void disconnect() { if(con != null) { try { con.close(); } catch (Exception e) { // TODO: handle exception e.printStackTrace(); http://www.vnba.org.vn/?option=com_content&view=article&id;=1568&cat id=43&Itemid=90 try cap 25/06/2012 } } } public static Connection getConnection() { return con; } } 25 "Noi dung cua Basel II" http://www.saga.vn/Taichinh/Taichinhquocte/4685.saga, try cap 25/06/2012 www.scribd.com/doc/75856895/13/N6i-dung-co-ban-cua-Basel-2, try cap 25/06/2012 VO TRl«M GVHD: Biii Cao Nhan -64- TOfW SVTH: Mai Ngoc Lgi