Một số giải pháp nhằm nâng cao hiệu quả đầu tư và quản lý đầu tư tại Vietcombank Hà Tĩnh

Một số giải pháp nhằm nâng cao hiệu quả đầu tư và quản lý đầu tư tại Vietcombank Hà Tĩnh

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H*"I'J*K'.L$  6612(M C`aabBJ<&<   O 2 # F # /  # < O N O P Q /  *    O " #  O F # 2 BJ<&B( # 1 Q N O P Q * Q  O 2    # P  O J O  O */  *" #  #    (/ O      !    O  O / # 2 # " # P  F2 # **/ # / " # /   #  O  O  &  (   # 2 BJ<&2     O 2    F # 2 #   12    # & 2 O &F #  #  # < O ( B/  !* # &P O */ # &  2 " # 2 Q   <" # * # J  "  *     2/  * Q  O  O 2&  BJ<& O  # !"  2  # 1 Q N O P Q (C`cdc`aae*/  2 O 2/   O * # Q # U   C O C # */N O P Q P  *  */ #  O  # /  O  O  *  `f2 CNCB # C O  O CNT*  <   # / N O P Q ( N O  #    22  O  # "  (BJ<&N O P Q <*/   O  / O & O * #  #  O     /  2 O  #  O * #  O P  92   # 2   2 # " /  " # * O 2!  F # 2 #  # P   2 # 2 # &   O "  /!Q! O 92  P O " #  # (T" #  # */ O /  /  /  BJ<&N O P Q 2 Q  O 2   O &  P * O <*/  2 P O  O   2" O "  P  F2 #  O   F # 2 # C O   #  # (C  <  2 O 2   < #    2" # "   O 2 " # P O &  &   O   #  O 2 *P  F2 # /   #  O  O &  BJ<&N O P Q  Q  # F #  O 2  # *  F2 # " # " #  # 2*    F # 2 # F # /    O 2 # P  (BJ<& O C O  O 2 & # "  C O   Q gJ<&h* #  # F # * # 2  gAJh O  # "  (N O           ! 3               #   */P O  O   " #  Q */ #  &!/   # * Q / " # "  &F  "  */ # &   O **/P O C  O <  J  #   Q"92"    */P O   2   O C O i C`aaaBJ<&N Q   !"  * O    */ # _" 2" O "    `j O " F*/ #   e O !. 2?( Cjkkb # < O P N12   #     2   O * # " #  lT O 22 BJ<&/ */ O  # P O  O   92J    #  # */ *  2 */2     &"F2 O  O   # 2 P  2 (m2  [P   # * \ O 2 # P  FQ!* F2 # BJ<& N O P Q  Q * O <*/  2*   # */ O * Q !  [   \* TJnopq&NJ<&rTr<&i N #  # < O  O P BJ<&N O P Q  O CN O   !"  */ #   lT O 2  /  `s  ( #  O J lT    #     # < O (U2 O /   #   # P  F2 #     O  O  # /* Q    !   O F # 2 # CN O "      # */  */  /  / " #  P O */ O <  J * O <*/  **/ # 2BJ<&  /   # */ O F 2 Q */ # BJ<&N O P Q  # < # 2   #  O &/ " #  O !* # / O 2   O F # H O l" # !2   O F # N" O tP Q 2 Q */ #   O  # (C* #  # j&2&   #  P  <   O P  P  O  BJ<& Q    # */ #  # */  * O <*/  1 #  O   P Q  #  O  # " # 2 P O ( :  jkku"*/ O  # " # CN O  #  O  O &"    #   /    !* #  12     #   2       C  N O   */   #    O   92"    F          ! 4              BJ<&N O P Q /  O F # n   #  O "  N O P Q    2 # *!  2 P O    O  O  O 2/ O F(   evjkkaJ  */ #   # / " #  # */   O  F # U w2/ O (C* # P  O d/ #  Q  O 2* O  #  /  */ # e O F # * #  # */_[C O P O   &    O P O " O / # &   O   /  P O \(:2 Q  O " # * Q   O 2*  !* # /   #  O * # 2 " # CN O */T #  2 * #  # < O (J!"   # 2"  & # " 2" O "  2" # 2  BJ<&N O P Q  O & `(`kk BC:" F*/ # */   #  O `(dkk BC:" F2 O / # 2 # 2 !2/*/     O 2i 2. 'NO'P'6'P'QR54S'2'1!  ; UG&'9273&FWW8=92"3 ;M)*+D&22*W927x 2" G    0  y  D      < 8  ,G  D BJ<&N O P Q <^_ p `n  "  gn:h2 #   2 p `  n:2 #    O P   O " # <" # p `  n:2 #   P  F2 #  p `` O , 2.1 "     t O 2"  *2 O * #  #   "   O "  "   Q  !2  "22 O  O " / # <    92  / O & O ( C # 2 # 2 #  _ p 2 P O  O "  / # /     O <92* #  #    # 2 92  # "   O 1*      # 2 #  O "  * Q     /  C N O C # */B # C O CN O C O C*/  P (          ! 5              p C*  2JF Q P O P O <  " #  Q !2   # */ O  g*/   O 2    O  # < O h *2  "    # 1F* # &2 Q !2   O 2" # "    P  F2 # * O  / O & O ( p U2 P O  O "  / # /     O 92* #  #  # " 92     !  F # 2 # 2 C O C # */B # C O 2   C O C # */N O P Q   */ # "  # 2  J2  92 # 2 C O C # */B # C O 2 O / # /  2 O 2 # 2 # " *   # " # &F2    92* O / O & O ( p t # <    <    !/&  " &   # " # &F 2   J # & O 92  d   O   <    2 O J 2 O 22        O 92( p * #  #  # 2 # "  <    "  &J92 # 2  C O C O */   O 2 C O C # */B # Cg* O    <    "  &2" # *   # 2 # 2    O J92 # 2  C O C # */B # C O 2   "    C O  C # */N O P Q h( p " / #  O JF Q !"   # 2 # " # 2   92   " #      # "     *    2 O 2"   # ( p * #  #    # 2 # "  &  J!* # P  # " 2 92 O 2   "    C O C # */N O P Q ( 2.2 #$%&'' p*2%12$840z383 0yHF308924'8F)y&8- 92'30( p08F)8924'J8*/GtcU          ! 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7              p m2   JF Q  O &  O *  O  O <  Q 2 &   O  p * #  #    # 2 #  O &F #  # 2  O & O 2"  i p * #  #    # 2 #    O J   J !J  F2 # i p " *  92 Q  # 2 #  * #  # 2P   O  # 2 &   O J 92P O  # 2 #  O <  J ( p V"  / # /   O &      * #  # "  92   *2* Q  # "  *  * O J92 # ( p * #  #   " # <    "  &J*   # 2 # */ # ( p * #  # "  &  J!* # P  # 2 <  "  ( 2.5 $%'-#  O 24'.&8'0"838( W=2FS22&8>3(n.02%8 F)yCDCN'?&8(N*.F}7 1{x8*.6D&8 G0y_ p t O  O *21F* # */P O &   #  O " *   * #  # "  P  F2 # 2 UC  J2    " # 92 #  O !* #   2 92 O ( p U2 P O  O "  / # /     O 92* #  # "  2 " # "  "   O 1*      # 2 #  O "  * Q   U  /  @  O C O C O */  ( p *2<  "   # 1F* #  O " *  * #   # &   # P   # !* F2 # 92 Q F* #  O 2 ( p * #  #  # " # <  Q J92 # ( p * #  #   " # <    "  &"P  F2 # J*    # 2 # 2  O (t # <     # " # &F2   J 92 # & O g  92  ih O   <    2 O J92 # (          ! 8              p *2 O 12    < #    2" O 1*   / # " O  # ( p * #  #    # 2 # "  &  J!* # P  # "2  92 O 2 qn  "   2.6 #$  .  # p " *  * #  #    # 2 #  O "  Cm2 Q /92 p * #  #  # 92   &92 Q g<" O  92 Q lT92 Q  #    O  # 2 # h p * #  #   " # <    "  & O "  Cm2 Q J92 # ( p U # 2   # 2!    */ #   < #  # *2 # 2 # "  Cm2 Q ( p q 92     P 92 # 2    O     / O     92       O "  ( p *2 O 12    < #     <  O 2 # "   O &92 Q  O /92i p * #  # " # !"   # 2 # "  &  J!* # P  # 2 q n  "  ( 2.7 $    /  0  p * #  #  # 2!  92   JF Q  O ! "2 #  " #  # *2 # 2 #  # " # 22 /92g    < #  #   O      # *2 # 2 # "  92 Q F   O &  * #  # h( p *2qn  "   # 1F* # &   #  " # 2 F2 # 92 #  O  # <" O F*/ Q <"  # Q #  &J*/ & 2 #  O 2" # */"  /   O    <" #    ( p m2   " O !/  <" # ( p " *  * #  #     " # P  !   O  O */ O */  <  1 Q " # i"  /  */ O " # (JF Q  O  #   <              ! 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10 [...]... 2009 Chi nhỏnh ó thc hin thu hi, x lý n xu n tn ng tng i tt v thu c nhng kt qu kh quan nh sau: thu hi n xu c 18,78 t ng, trong ú tp trung ch yu Cụng ty CP Xut nhp khu H Tnh (17,89 t ng); Thu n tn ng (ó c x lý t qu d phũng ri ro) l 215 triu ng Trong ú: + X lý ti sn bo m thu hi n l: 0 ng + N c x lý trớch t ngun d phũng ri ro l: 6 triu ng (khỏch hng ng Hoi Vit) + N c x lý t cỏc bin phỏp khỏc: 18,78 t ng... Nhõt_kinh tờ õ u t A-K48 22 Bao cao thc tõp tụ ng hp 4.2 Nụ i dung thõ m inh d an õ u t vay vụ n 4.2.1 Thm nh khỏch hng vay vn T cỏch phỏp lý, phap nhõn ỏnh giỏ t cỏch phỏp lý, phap nhõn ca khach hng vay vn l iu rt quan trng Cỏn b thm nh cn phi xỏc nh c r khach hng thuc loi doanh nghip no, thnh phn kinh t no trờn c s i chiu vi cỏc vn bn phỏp lut T ú ỏnh giỏ c nng lc phỏp lý ca ch th xin vay vn Cui cựng... cn cho u t trờn c s h s d ỏn c duyt v cp phộp Xem xột h s phỏp lý ca d n V nguyờn tc, d ỏn phi c lp v ỏp ng cỏc ni dung theo Ngh nh s 12/2009/N-CP ngy 10/02/2009 ca Chớnh ph v Qun lý d ỏn u t xõy dng cụng trinh bao gm cac h s c bn: - Quyt nh cho phộp u t ca c quan qun lý Nh nc cú thm quyn - Quyt nh phờ duyt k thut v tng d toỏn - Bao cao nghiờn cu kh thi - Cỏc hp ng nhp khu, giao thu, tho thun liờn... dung chi tit Thm nh ti chớnh d ỏn u t vi cỏc ni dung c th: Thm tra mc hp lý ca tng vn u t v tin b vn: Tn ti hai xu hng gõy sai lch tng mc u t Th nht, d tớnh tng vn u t quỏ thp cỏc ch tiờu hiu qu tr nờn thuyt phc hn, d Nguyờn Tha Nhõt_kinh tờ õ u t A-K48 26 Bao cao thc tõp tụ ng hp dng xin ti tr vn Th hai, d tớnh tng mc u t quỏ cao rỳt vn õy l hai xu hng nh hng lm gim tớnh hiu qu ca d ỏn Tng vn u t... Tha Nhõt_kinh tờ õ u t A-K48 12 Bao cao thc tõp tụ ng hp Bang 2.1 S liu so sỏnh Tng ngun vn ca chi nhỏnh 2008-2009 Đơn vị: Triệu đồng Tăng/giảm so với Thực hiện Chỉ tiêu 31/12/2009 31/12/2009 31/12/2008 Tuyệt đối +/-% 1 Huy động vốn 1.284.845 940.864 343.981 36,6% Tiền gửi Tổ chức kinh tế 343.964 223.362 120.602 54% Tiền gửi tiết kiệm 927.868 682.545 245.323 35,9% Số d giấy tờ có giá 13.013 34.957 -21.944... trng, Mú s thu - Giy chng nhn ng kớ kinh doanh - Mụ hinh t chc hot ng v B mỏy qun lý - Ch hch toỏn: c lp hay ph thuc - Phõn tich uy tin ca ch u t Phõn tich tinh hinh sn xut kinh doanh v ti chinh ca khach hng vay vn ỏnh giỏ c tinh hinh sn xut kinh doanh, phaa ngõn hng cn c vo cỏc ti liu - Bng cõn i k toỏn nm lin k - Bao cao ti chinh ca Cụng ty trong lin k ú kim toan - Thụng tin CIC (Trung tõm thụng... quy VND chim 50,5% trong tng d n, tng 39,4% (+244 t quy VND) so vi 31/12/2008 3 cụng tỏc qun lý ri ro tớn dng : Theo s liu chng trỡnh phõn loi n t ng n quỏ hn n 31/12/2009 l 16 t quy VND, gim 53,2% (-18 t ng) so vi 31/12/2008, chim 0,94% trong tng d n Phõn loi n: Nguyờn Tha Nhõt_kinh tờ õ u t A-K48 16 Bao cao thc tõp tụ ng hp D n nhúm 1 N tiờu chun: 1.692 t quy VND, chim 99,065% trong tng d n D n...Bao cao thc tõp tụ ng hp S ụ mụ hinh tụ chc cua Ngõn hang TMCP Ngoai thng Ha Tinh PGD Hụ ng Linh Ban Giỏm c Chi nhỏnh NHNT H Tnh PGD Ki Anh PGD Cõ m Xuyờn PGD Tõn Giang P.Khach hang P.Kim tra nụ i bụ B phn k toỏn chi tiờu P k toỏn thanh toỏn P Tụ ng h p B phn thanh toỏn quc t Nguyờn Tha Nhõt_kinh tờ õ u t A-K48 P Kinh doanh dch v B phn Tin ho c 11 P Ngõn quy P Hnh chớnh, nhõn s Bao cao thc... xõy dng + Chi phớ d phũng - ỏnh giỏ tớnh hp lý v y tng vn u t - Kim tra tng vn u t sỏt vi thc t lm c s tớnh toỏn hiu qu ti chớnh v d kin kh nng tr n - Kim tra tớnh chớnh xỏc trong vic tớnh toỏn tng vn vn u t Xem xột cỏc yu t nh hng nh khi lng cụng vic phỏt sinh, thy i t giỏ hi oỏi (trng hp d ỏn s dng ngoi t) - Xem xột, so sỏnh i chiu khi thy cú s bt hp lý phi kim tra li - Kim tra k cỏc ni dung: tng... v tin phõn b vn Thm tra ngun vn huy ng cho d ỏn Nguyờn Tha Nhõt_kinh tờ õ u t A-K48 27 Bao cao thc tõp tụ ng hp Xem xột ú l vn t cú, vn i vay nc ngoi, u ai, bo lanh, thng mi cú th ỏnh giỏ an ton vn u t, an ton thanh toỏn Kim tra vic tớnh toỏn cỏc khon chi phớ sn xut hng nm ca d ỏn Kim tra tinh hp lý ca gia ban sn phm , doanh thu hng nm ca d an Kim tra tớnh chớnh xỏc ca t sut r trong phõn . e&bH/*5.!.2Of/'a'2eggh_eggi Đ n v : Tri u đ ng Chỉ ti u Thực hi n T ng /gi m so v i 31/12/2009 31/12/2009 31/12/2008 Tuy t đ i +/-% 1. Huy. e&ed0.!.2Oj"IeQ4eggh_eggi Đ n v : T đ ng Chỉ ti u Thực hi n T ng /gi m so v i 31/12/2009 31/12/2009 31/12/2008 Tuy t đ i +/-% T ng quy VNĐ