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2.2HOAT DONG TIN DUNG VA THU^C TRANG NO xAU TAI VIETCOMBANK
o Phat hien sam cac rui r tin dung
2.2HOAT DONG TIN DUNG VA THU^C TRANG NO xAU TAI VIETCOMBANK
VIETCOMBANK
VIETCOMBANK
khdch hdng, tiep tuc ndng cao chdt luang tin dung vd huang tai chudn muc qudc ti".
Thang 08/2006, Vietcombank da triln khai thuc hien md hinh tin dung mdi trong toan he thdng. Ben canh dd, Vietcombank tiep tuc nghien cim, chinh sira cac quy trinh, quy chi va nang cao cac cdng cu quan ly nhu: Hudng dan Quy che cho vay khach hang, sira ddi Quy dinh ve gidi ban tin dung; hoan chinh He thdng cham diem tin dung doanh nghiep cho phii hgp ban vdi thue te; budc dau xem xet viec xay dung danh muc tin dung cho toan he thdng...nhd dd, chat lugng tin dung eua Vietcombank trong nam qua dugc cai thien mot budc. Dac biet, Quy trinh tin dung ba bd phan Quan he khach hang - Quan ly rui ro - Quan ly ng theo dir an hd trg ky thuat do Chinh phii Ha Lan tai trg thdng qua Ngan hang the gidi da chinh thirc dugc trien khai tir thang 08/2006, viec ap dung quy trinh tin dung hien dai, phii hgp vdi thdng le qudc te nay chac chan se giup Vietcombank CO nhimg budc tien dai vimg chac tren thi trudng tin dung.
Din 31/12/2006, tong du ng tin dung eua Vietcombank dat 66.262 ty quy VND, tang 8,55%) so vdi du ng cudi nam 2005 - thap han ty le tang trudng ciia toan nganh ngan hang la 21,2%), ciing thip han chi tieu kl hoach tang trudng tin dung la tir 20%-22%. Tdc do tang trudng tin dung ciia Vietcombank tuy cd cham lai so vdi cac nam trudc day song phii hgp vdi toe do tang truang chung ciia thi trudng tin dung va chii truang tap trung ngudn lire, nang cao chit lugng quan tri nii ro.
Mot trong nhtog nguyen nhan quan trgng gay han ehl tdc do tang trudng tin dung cua Vietcombank trong nam 2006 la: viec giai ngan cac du an Ion bi cham so vdi ke hoach;