This djnh kith ndng rid no* cdo dy dn.
Dung duei gee de cira NHTM, thl van de duqc chit trong nhitt de Ii !chi riling tra nq cua dv an, dim bac, thu hei ci nq g6c vi Ili vay dei van cac dv In dung hart djnh. Do Vey, trong qua birth thim djnh dm can be thim djnh luon phii quan dun ten
nguan tri nq hang niim ciut du in, tinh town chinh xic that gian thu hai van diu tu vet kiem tra thubng xuyen ket qui hoot dung ctia du in khi du in di vao host dOng. Nguan tri nq dm du in hang nlim bao gam lqi nhuen sau thut, khiu hao vi cic nguan ba sung khac. Tuy nhien chit yeu let van death gia nguan tra nq hing nfun tren 2 nguan chinh let !chin hao tai sin c6 djnh let lqi nhuln sau thug.
Cin b0 thiun djnh can phii dua veto ke hooch khan hao, bang du fro doanh thu vi chi phi cult du in di thim djnh khi nang tri nq hang nitm tir 46 xic djnh bang can dai tri nq mia du in.
Tfr being can dai Sri nq the an 130 thiun djnh cel the tinh duqc tS , le dim bio khi Ming tra nq eta du in trong tong vi due ra kat dfuth gii ve Wilt hieu quit vet kha nang tri nq eta du in trong ttrcmg lai.
1.3. Chit Itrung thim dinh tii chinh dg in din hr trong hoot ding cho vay ctia ngan hing thtrung ngan hing thtrung
1.3.1. Khdi Wins chit hong Shim fink tdi chink At an au W.
Chat lugng eta viec thim djnh du an nth chung vi thim dinh tii chinh chr in
nth rieng c6 inh htremg rat lem den hoot dOng cho vay eta NHTM, tir da inh huemg true flip tea lqi nhuin vi su an town eta ngan hang.
Trong qui trinh thim djnh Seta chinh du an, de du an duqc vay tien met nem
hing khong bj met von, cac can bo thim djnh phii xem xet, dinh gia mot cich khich quan nheng van de c6 lien quan den khia canh teti chinh cfra du an. Can bei thim dinh phii danh gia xem: du an c6 mang 13i lqi nhuen de c6 khi fling tri nq cho nein Ming hay khong? Thai gian tra my lit bao lau?
MOt du an dot hieu qui ve mit tai chinh khi du in 46 da thim djnh phai ce Icha nang tri nq (ca geic va lei vay) thing theo du kiln, thiri gian them dinh nhanh ce hieu qua, c6 hieu qui ye xa hOi, khong phit sinh cic khan my khe doi, qua hen, tir 46 gitip cho nein hang c6 lqi nhuftn. Mot du in thim djnh kern, khong ce) hieu qui ve
tai chinh khong rtheng lim cho nem hang 'thong thu hai duqc van, suy gietm lqi nhuin met can c6 khi nang din then bet we phi sin. Do do, 'tang cao chit luqng thim djnh tai
chinh du an diu tu la nhiem vu quan trqng hang diu ctia nitoi ngan hang, n6 dal heli phii duce lam thtremg xuyen, ce khoa hoc vi nghiem die
1.3.2. Cat chi Ulu plan fink chit Iwgmg thins trinh tdi chink ay an din tut
1.3.2.1. Thai glum thins ainh.
Cong tic thiun djnh suy cho cung Ii cung cap thong tin sau khi )(at mink vi dinh gii, nhim dua ra quyet djnh c6 cho vay hay khong dai yeti yeu can xin vay von cua
khich hang. Ma thong tin phuc vq cho viec quyet djnh phii diy du, chinh xac vi kip 17
then. Neu th8ng tin dua ra sau khi thtun djnh la chinh xic, day du, ngth king ra quyet djnh cho vay hay thong, nhung lai khong mang tinh kip theri thi thi se inh huang khong nh6 ten hoot dOng ciut ngin hing, lum min long khich hang den vay. Vic cung cap th8ng tin chinh xic kjp thin se &up ate linh dgo ngin hing c6 quyet djnh &mg den, the hien tinh than hop tic cue ngin hang ddi veri khich hang, cho they chat luqng lim viec cum cic can b0 tin dung nen rieng, cling nhu cea ci nem hing nei chung, dOng then lgi fiat kiem duqc then gian cling nhu chi phi cho ci ngin hang cling nhu khich hing.
Diy la yeu to rat quan trong trong phin inh chit lukmg hoot dOng cue ngtin hang, cling la yeu to quan trong de danh gii chit luqng tam dinh, nham muc dich gift chin nhfing khich hang tot et 10i ved ngin hing.
L3.2.2. Lpi rbng tir hops dfing cho ray dir dn.
MOt khoan vay du thu duqc lqi nhutin du kith cao, nhung du in c6 doanh thu khong de de be dap chi phi thi khich hung khong ce khi ning tri nq goc vi lAi vay
S den ngan king se N thiet hai du it hay ninth. Ngth hing c6 the bin tai sin dim bio nhung d6 chi la 'nth phip dei ph6 tirc the& nhung khong phii lac nio tii sin dim bio nhung d6 chi la 'nth phip dei ph6 tirc the& nhung khong phii lac nio tii sin dim
bito cling c6 the bin duqc hoc bin then mem gii ma ngin hang mong muth. Con vi lau dii, nth tinh trong nhu voy xiy ra lien ttic thi ngin hang can phii xem xet lai chat luqng tin dung cita mink hay n6i each khic lu phii xem xet lai chit luqng them djnh tii chinh cue minh. Tom 10, cac khoth cho vay du in kh8ng c6 chit luqng deli c6 unh htemg xau den thu nhOp tha ngin hing, thorn chi de doa den khi ning thanh khoin ciut ngin hang, den skr an town trong hoot dung a% ngfin hing. Nguqc I0i, cic khoin vay c6 chat luqng a idling 'Meng nein hang sir dung vein thin riii de sink lei, ma con mang lqi nhuon cho ngin hing. Neu Iqi nhunn rang tir hokit dOng cho vay du in cang cao, the high hokit dOng cho vay du an mkt ngan hang cang hieu qua, cling chinh li Gong tic tan djnh not chung vi them dinh tii chinh du in nen rieng thkrc hien tot truest khi dua ra quyet djnh cho vay.
Chi tieu de dinh gii Iqi nhuth tir cho vay du in li chi tieu tSr suit Icri nhuin. Chi tieu nay phiin ink kha nAng sinh ltri cua cic khoan vay trung va dai han, qua de phan inh chit luqng them djnh tai chinh du in du tu. Chi tieu nay cang cao thi chit luqng them djnh tai chinh du in diu to cling tot.
— Lqnsi nn ghu4dunnt:cchhozyy trunnggvatrat
+ TS, suit lqi nhuan
Ngoai chi tieu ty suit lqi nhuin can co chi tieu tj lg Iqi nhuon cho vay trung va dai hen cling phan inh chit luqng cho vay dq an trung va dai han cda ngan hang.
_ Litt nhu.in ti} cho pay Wang roa dal tan
Chi tieu t' lqi nhuin cho vay tnmg va dai Mgt phan anh mtic dO quan tong ala hoot dOng cho vay tnmg va dai han trong hoot dOng cho vay ctia nein hang. Neu tS, 1
nay cling cao chimg to nen hang c6 mOt nguen lqi rat len tir hoot dOng cho vay trung va dai han, dieu d6 co nghia chit lugng thim djnh tai chinh do in cila ngfin hang rat tot.
1.3.2.3. Np quti hgn vd 19 np yid hp nin Sing die np cho vay dp tin.
Cho vay do in la mOt looi hlnh cho vay trung va dai hon ma ngftn hang cung cap cho cac doanh nghiep. Vi viy, mOt so chi tieu dank gia chit lugng cho vay tnmg va dii hon tong the hien chit lugng thim djnh do in not chung va thim djnh tai chinh do in
rieng.