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sAN rHwfr MINH BAo cAo rAr cHINH Hqp NHAr NAM 2014
fihd hien blnq tign rldng Vigt Nam, ngoai tru tn6ng hqp cd ghi chf b]ng rtdng tign khic),
Theo hop r,6ng thd chfp rtong sAn sd 14.20.0010/H0TC ngiy 30N12014 giiia Cdng ty TNHH MW Cadivi Ddrig Nai
vi Ngin hAng TMCP Conq Thuong Vict Nam - Chi nhiinh Nhon Trach ('Ngen heng'), Cong ty TNHH MW Cadivi D6ng Nai thd ch{p cho Ngan hing Ddy chuydn ttric ddng li6n tuc 10 ddu diy sin xuft diy ddng kh0ng ory c6 d0 dan dign cao Model UPCAST US20X-10 vdi cong sudt 10.000 tdnlnem thr.oc dU dn SaivF063. Tii sin thd ch{p niy
dd dem bao cdc nghla vu trl nO phdt sinh lien quan ddn cic hop ddng tin dung, hqp ddng cdp bio lanh, .. drloc
kf kdt gi0a COng ry va Ngin hing. T4i ngty 31t1U2014, Cong ty TNHH MW Cadivi Ddng Nai chub nhan bdt ld
khoAn vay ndo.
Tdi s/,n nhAn hdchip crta don vi khiic
C0ng ty khOng ndm gif tdi sAn thd chA'p nao c0a ddn vi khec vao ngriy 31 thdng 12 nen 2014 vi ngiy 31 thdng 12 ntrm 2013.
8.3. R0i ro ltn dqng
Rti ro fln dUng li rii ro mi mQt bEn tham gia trong hOp ddng khong c6 khe nenq th{c hien dtoc ngh-ra vU c0a minh d[n ddn tdn thdt v6 tai chinh cho cong ty.
C0ng ty c6 cdc riri ro tin dung tr] cdc hoat dOng kinh doanh (ch[ ydu d6'i vdi ciic khoin p
hoat d0ng tii chinh (tidn gfii ngin hing).
Phai thu kh{ch hang
i hli thu khdch hi
tuHrt
tgdti I
I
L
C0ng ty gitrm thidu rli ro tin dung blng nhi6u bi€n phiip khdc nhau Oy theo nh6m ddi tuqng khdch hing. Cu
+ Ddi vdi khiich hang ld ciic dai i},, Cong ry" you cdu dai lf thuc hien ky qW tudns rlng vdi giil tr! hang chua toan (cec dai lf sE drJoc hudng lai kf quy thanh toen) hoac duOc ngan hang c6 tty tln blo lEnh thanh todn. M{c
khec, COng ty c[ng xay dung dUOc mang ludi kh{ch hang li cdc dai lf tr€n khXp cl nrdc n€n roi ro tin dung
khong qp trung vio khdch heng nh{t dinh.
+ Ddi vdi khach hing nr;6c ngoii, Cong ty chi ydu bdn hing theo phudng thfc thanh todn L/C nen sE gilm thidu
ddn mfc thdp nhdt rfri ro tin dqng.
+ Mqt sd tru0ng hgp khdc sE do Ban Tdng Gidm ddc c0a COng ty xem x6t, drinh gi6 khi ning thanh todn tilng khdch heng cu thd dd gidm thidu rii ro tin dung.
8.4. Bfri ro thanh khoin
R0i ro thanh kholn li riri ro Cong ty gip khd khdn khi thuc hien nghia vU tdi chinh do thi6u tidn.
C6ng ty qudn tf rti ro thanh khoin th6ng qua viec duy trl mot luqng ti6n vi cdc khoin h"long dLung tidn phr) hop
vi c6c kholn vay 0 mrirc mi Tdng Gidm d6c cho lA d0 dd dap flng nhu cdu hoat dOng cta C0ng ty nhlm gi{m
thidu lnh hu0ng c0a nhitng bi6n d0ng vd lr.dng ti6n.
C6ng ty cho rlng mric d0 tip trung r0i ro ddi vdi viQc trl nO la th{p. C0ng ty cr5 khi ntrng thanh todn c{c khoin
nq ddn han trl ddng tidn thu dUOc tU hoat donq kinh doanh vA tidn thu tit cdc tii sin tii chlnh ddo han.
Thdi han thanh todn cia ciic khoin nO phai tra tii chinh dua tron cdc kholn thanh todn drJ ki6n theo hop ddng chua duoc chidt kh{u nhrj sau:
IL L t I I t-
It t
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