. rui ro tln dgng; nii ro thanh khoin;
inh hwhng cfia rfii ro t{n dyng
-i a "
I ong gla rrl gnr so cua c6c tdi sin tdi chinh thi5 hi6n mirc rrii ro tin dung t6i da. Mric clO rii ro tin dpng t6i da tai ngdy b6o c6o nhu sau:
Thuy6t 301612013
minh \T.{D
30/12t2012
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Ti6n , gti .).ng6n hdng vd c6c khoin tuong
du'o'ng tren
Cilc khoin clAu tu ngin h4n
PhAi thu kh6ch hdng vd phdi thu kh6c
(i) 28.46s.79s.8s6 31.776.47s.007
(ii) s67.684.800 148.828.688
(iii) 47 .233.368.t66 s3.9s2.803.4s976.266.848.822 8s.878.1 07.1 54 76.266.848.822 8s.878.1 07.1 54
(iir)
Tiin giri ngfrn hdng vd cdc khodn twong ctwong tiin
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I ren gul ngan hang vd cilc khoAn tuong <luong ti6n giri ng6n hdng cta T4p clodn cht y6u clugc gui tgi c6c t6- cnfrc tai chinh danh ti6ng. Ban Gi6m d6c khdng nhan th6y c6 nii ro tin dpng trgng y6u ndo tir c6c khoAn ti€n giri ndy vd khdng cho ring c5c t6 chfc tdi chinh ndy c6 th6 m6t kh6 n6ng tri ng vd gAy
tdn th6t cho T4p dodn.
Cric khodn elfru tw tdi ch{nh ngiin hgn
C6c khoin dAu tu tdi chinh ngin hpn cira Tdp dodn bao g6m c6c kho6n ti6n giri c6 kj' hpn tir 3 th6ng t6'i
1 ndm clugc gui tqi chc t6 chuc tdi chinh danh ti6ng vd mQt khoin cho vay. Ban Gi6m cl6c kh6ng nhpn thAy c6 rtri rJtin dqng trong y6u ndo tir c6c khoin dAu tu qdy vd kh6ng cho rdng c6c t6 chtrc tdi chinh va 6Cn di vay ndy c6 th6 m6t kh6 ndng tri ng vd g6y t6n th6t cho Tpp dodn.
Phrti thu khdch hdng vd phdi thu khric
Rrii ro tin dung cria Tflp dodn li6n quan cl6n kho6n ph6i th,u .!,..u inh hudng chfi y6u bdi dic di6m cria
tilng kh6ch hdng. OOi'ph6 vdi nhirng rrii ro niry, Ban Gi5m dtic ciraTap dodn dAthi6t lflp mQt chinh s6ch tin dpng md theo d6 m6i knacn [dng mdi sO duo. c phAn tich ri6ng biQt ,6 d9 tin cpy cria kh6 ndng
tri no. trudc khi Tap dodn dua ra c6c diAu khoAn vd thanh to6n chuAn cho kh6ch hdng cl6. T4p dodn kh6ng nim giir tdi s6n dAm b6o ndo tri c6c kh6ch hdng.
C6c kho6n phAi thu kh6ch hdng vd ph6i thu kh6c chua qu5 han hay. chua Pi giam gi6 chri y6u tir c6c c6ng ty c6 lch sir tri no.'d6ng tin cay ddi vdi C6ng ty. Ban Gi6m d6c tin ring c6c kho6n phii thu ndy c6 ch6t luong tin dgng cao.
ia a \ rI l'- i, J ! )
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