~q , , ~ A GIAIPHAPNANGCAOCHATLU'ONG " J, , VA GIAMTHIEURUIROTINDUNG T rong thOi gian qua, Ngan hang Nha nLioc va cac t6 chuc tin dl,mg (TCTD) deu het suc quan tam den chat ILiqng tin dl)ng E>ieunay thay r6 W cac canhbao, chi thi va chi d~o nghi$p Vl),tang CLiangcong tac tra cua Ngan hang Nha nLioc, den cong tac tlj ki~m tra, den chan chinh nQibQva soat ltcach kha thi liming IIny 113* TCTD hi$n 1- HoAN THI~N KY THU~TTHAM D!NH cAe NHUdu TiN D~NG Hoan thi$n ky thu?t tham dinh d~ giai quyet van de cd ban cua tin dl)ng la co nen cho vay hay khong va cho vay nhLithe nao E>~tra lai va di den quyet djnh cuoi cung, can thiet phai hoan thi$n tham dinh trtm cae rn?t: Ba la, tai san bao dam (the chap, earn co ): La nguon thu sau cung W phia khach hang Nguen Tha nhaJ, uy tin cua khach to kha ch~c chan tinh "uu hang phai dLiqc de c?p tham quyen" cua ngan hang tren gia tri dinh va Cl) th~ hdn, no phai co nQi cua tai san bao dam Tuy khOng dung to trinh cua can bQ tin phai la nguon g~n lien voi ban chat dl)ng, voi cac Mu thuc Cl) th~ la: cua tin dl)ng tinh Iy ch?m, Tham djnh qua he Sd qua khu cua ton kem chi phi va suc II,/'c, kh6 tlm khach hang; Tham dinh qua phong kiem thj trLiong van trl,/'c tiep voi ml)C dich can duqcdung dl,/'an vay thl,/'chi$n khong cong, ban than van nQisinh cua doanh nghi$p, voi tLi cach ngLioi di vay la nguen thu khac cua ngan hang Nguon van chua dl,/'ng sl,/' khong ch~c ch~n vi$c ngan hang cung phai chia xe nguen thu voi chu nq khac - Nang II,/'cquan tr! gem: Kien thuc, kinh nghi$m, tien tri~n tLidng lai, Iqi nhu?n va Sl,/'I?p l ... kinhdoanhcua nenkinhte, v~y tat yeu phai da d