MỤC LỤC
- Phuong huOng hoat (ding kinh doanh trong lining lai caa khach hang. - Danh gia nhdn xet cita ngan hang ye khach hang. - Thod thuan gida ngan hang va khach hang ye viec vay vein va tra no. - NhCing thong bao cua ngan hang cho Mulch hang. - Bao cao ve hit qua kie'm tra ve tinh hinh sir dung vein vay. I3Ao cAo Hine Op -Vino hop Dal hoc 11Ong Long - TuY thuoc vim tirng loci cho vay ma ngan hang thi& lap ho so phis hap. 1.1.Ho so' do kheich hdng ldp pd cung cap cho ngan bring. Khi co nhu cau vay von, tuY Theo yeu cat' can tong lc* khtich hang pha gni ten ngan hang cho vay ctic giay td sau:. - HO so phtip IV: la he so cluing minh cho ngan hang bier vet hang Inc phap luat dan sg, Ming lye hanh vi dan str cua khach hang vay v6n, bao gem:. + Quyet dinh hoar giay phep thanh lap doanh nghiep. + Dieu le cua doanh nghiep. + Quyen dinh be nhiem King gitim dde doc, kc totin truOng), quyet dinh cOng nhan Ban quart tri, chi) nhiem Hop ttic xa. Ngan hang silt dung uric tai lieu sau day (16 xem xdt, danh gia khach hang:. + Tin lidu thuyeit minh vd viec vay von nhu kei hooch hoac phuong an san xuat kinh doanh, gidy phep kinh doanh xuat nhap khan, cac hop doing cung cap — tieu thu san phdm. DO° aao thy° 14p 41g ride Oal hoc ThOng Long + Ctic tat tiO ke toain de danh gia Mid nang tai chinh cna khach hang nhu:. Bang king kei tai san, bang Ihuyel minh tinh hinh tong no, ban giai trinh ve k6t qua kinh doanh, ban phan Bch chi tiAt ye 16, lai. + Caw tai lieu lien quan deal clam bao tin dung. Ngoai ra ngan hang c6 dua vao carc thong tin khaic nhu: phOng vain true ti6p ngobi vay, Meng tin qua ho so btu tra v6 no6i vay tai ngan hang, thOng tin to care doanh nghiep c6 quan he kinh tc vii ngifoi vay.. Sau khi xem ;red tinh hop phalli), hop IC: cUa caw tai ngan hang Among mai thoOng Ben hinh thaim dinh mot each 101 tang ve kith hang cua minh. 86o oho thic Op tang hdp Oai hoc ThAng Long Khi danh gia ngan hang thuidng so stinh ky nay yin ky trindc, so stinh s6 lieu thug t6vOi ke hoach de thay duqc mug dO phat trien cita doanh nghiep.
Khi Iua chon cac phuong an cua du an co cling quy m6, to Ilia chpn du an nil() co IRR lon nhat (phai 16n hon lai suit birth quan gia quye'n can cac nguan vOn dau at). 13Ao car) *tic Op tong hap 19gi hoc ThAng Long + Diem hoa von: la diem ma tai dO doanh thu din &nyc chi du hu dap cho chi phi san xuat. DN lam an co Iiii till diem boa von cang thap thi du an cang c6 hieu qua va tinh int ro that). Diem hao von dat duen 60% la chap nhan dirge. Sdn Nang hod veil TOng dinh phi. Gia ban Binh quart — Bien phi. Doanh thu hod vdn = S6 luting hoa von * Gia ban don vi San pham. Phan Lich Iinh kha thi cini du tin:. Ngan hang tien himh cac bade saw. Xem xet, and hi, vein tat ye San pham, dich vu, dank giti thi tritOng. Xet he theing ban hang hole kinh doanh Xcm cac yen t6 dau vat), dau ra. III Khai ( that tinh hinh va ket qua boat dong am chi nhanh BIDV Iloa. Binh [rung nhurng nam gan day. 13a nam hoat dOng gan day to nam 2005 — 2007 ta co the danh giti lit mitt giai down ma chi nhtinh BIDV Hoa Binh da ca) duoc nhieu thanh tgu, khang dinh ro hon vai tat cua minh Ming he th6ng BIDV va dgc biet tren dia ban Tinh Hoit Binh. Nen kinh 16 6 vao thild 1:37 tang truling, son xual phat tritht to de tao diet' kign tich luy nhieu bon, do do tao mOi twang cho viec huy Ong v6n cua ngan hang thuilin 164 La mot din ban tii:m nang v6 phat trien dau to tuong lai voi vi the cifa ngei Tay Bac.
Phuong thug huy dOng vein nay la nghigp vu truy6n theing cua cac NHTM Vigt Nam, ngugn von nay thuong chiern mot ty tieing kin va chi nheinh BIDV Hoa Binh cling dac bigt quan tam den vine tang t9 trong ceitt ngugn von nay. Xet ye (-brig tac huy dung vein, BIDV Hoa Binh da (Tat dirge nhung thanh tuu Bang 16(1, chi nhtinh da lam tot nhung nhigm vu, nOi dung co ban saw. - Chi nhanh BIDV Hoz\ Binh da cling c6 va tang cadng phat huy mgi quan hg chat dig vat cac don vi klitich hang truyen theing tir nhigu nam nhu btio hiem, guy ho tru phat tri6n, he thong Mio bac trgn dia ban Tinh. Tieing thin, chi nhanh cling mei rOng quan he vat khach hang mai nham huy dOng ngugn vein nhan rot to cac ca nhan hay t6 chin: nay. - Chi nhanh chi lam tot cOng vies thanh town vat cac ban hang. lam tot nhigm vu chuYen ttcn tOi cac dia diem giao dich. tip dung phi thanh town hop ly vet khach hang truyen thgng, va khtich hang mai thu hat cac tei chile tin dung. - Chi nheinh da 'Mat huy tot vai trei crta cOng cu lai sueit, Mem nam bat &roc su bier dung lai stun tren thi throng, nghien ctiu xay dung hien lai mat mgt each linh hoat trong pham vi quyen him dugc phep cna chi nhanh de vim dam bac) thu but dirge gem khach hang ineri vim darn halo yeu ciu higu qua trong kinh doanh. I3Ao cao thuo tip tSno hop Doi hoc ThAng Long - Chi nhanh luOn thuc hien cOng tacthu, chi den mat va thanh toan nhanh nhay, an Man, chinh vie, drip dng yeu cab dui ctic don vi kinh te.
Di6u nay the' hien six n6 lac trong cOng viec cita can b0 tin dung trong viec thu no cling nhu viec tim ra giai phtip nham tranh chtty6n dung trong han sang no qua han thong qua cOng kic than Binh, thay d6i men cho vay, cling nhu Ilia chon khrich hang vay da phan nao giam duct no qua han. BIDV Hoa Binh tang curing chi dao sat sap cac giiii phiip Ming cao nang luc tai chinh pia loan Tinh va cac can ngan hang, giao chi tieu chinh loch quy thu nhap, lai dong, na da x(r ly rUi to, fiat kiem chi hap ly, nham tang nang Rh: tin chinh Wan Tinh. Ddi vai chi tieu thu nhap rang sau thug Iran van chin (ROE) cling nam trong xu huong tuong hr. Nguyen nhan caa su thay den nay la thu nhap rang nam 2006 that) hon so vat nam 2005, mac du vein critt chri tang qua 2 mina, song lig can tang nhanh hon. Nhan xet tY 14 Vern cua chin/ tang nguan giam la chitin lugc tang tY ROE, song nhuan sau thug giam nhanh, dan dgn ROE giam. Nam 2005 la nam khdi dau cila phang giao dich tuy nhien ngu6n huy clang thing gap cua pheng vg cho chi nhanh la 15% king huy ding dui chi nhanh tire El 68.412 trieu dang.Trong nam 2006 phemg giao dich Luong Son Eking gap 160.190 linen clang chigm ti trong 28 % tang huy clang erns chi nhanh. IV.Tinh !firth nguiri lao clang cila Chi nhanh BIDV Floa Binh 1.Ccr can lao dOug va chat ling lao thing. Tinh ctan nam 2007, Chi nhanh co 2 phring giao [Itch va mat digm giao dich ngorti tun so chinh. Ban gidm d6c thuQc try so chinh chi nhanh Hoa Binh la: 3 ngueri, trong dO co 1 GD va 2 PGD. Truong, ph6 pining SO, phOng Giao dich: I 4ngu6i. Cac chinh such phtic loi, dai n20 lao thing va quan Iv lao dong. Vol phuang cham gini nghiep vu ngan hang va thuc su hidu khach hang, du kha nang to van cho khach hang ve boat dOng kinh doanh, grim khrich hang Nunn qua nhung khO khan thuc su mang phein thinh den vOi khach hang. Ngan hang Iron chn trong ten cOng tac dao tao dOi ngli can 196 nham nang cao chat luting nghiep vu, pham chat dao due, am hidu phtip lint va kinh ted ngorti nganh. Ban lanh dao ngan hang luOn quan tam tai mOi tutting lam viec cua nhan vien v6i nherng thief bt Uri tan nhat. Thuc hien mot ch6 clO luting thou dung, c6 thuong, co phat.. LuOn tiro khOng khi lam viec thoai mai, cOng bang, dan chn, luen khuydn khich Can 60 nhan vien c6 thd pluit huy duqc nang luc cua mink. Tat eh nhang dieu do da tao nen met tap thd doan k6t, \ding mph, Men yeti thuong, glut) da nhau, hang hat lao dOng, gop phan vao viec nang cao chat luting hoot dOng kinh doanh cUa toan chi nhanh.