/ He thong Y j tinh diem j
2.3.3.3Chinh sach quan ly riii ro tin dung
2. Ty ie nq xau/Tong du no*
2.3.3.3Chinh sach quan ly riii ro tin dung
- Quan diem tdng quat ciia Vietcombank vl nii ro tin dung:
+ Khdng tap trung cap tin dung qua cao cho 1 khach hang, 1 nganh nghl/lTnh vuc; cac nhdm khach hang, nganh nghe/lTnh vuc cd lien quan vdi nhau; 1 loai tiln te; mot khu vuc dia ly. + Rui ro tin dung cua khach hang dugc quan ly theo nguyen tic toan dien, lien tuc d tit ca cac giai doan cd kha nang phat sinh nii ro tin dung, thdng qua cac quy dinh cu thi cua timg loai nghiep vu tin dung.
+ Khi quylt dinh cip tin dung cho mot du an Idn phai dugc thuc hien theo chi do tap thi (nhieu thanh vien ciing tham gia quyet dinh cho vay thdng qua nhilu mire xet duyet va bieu quyet boat ddng ciia hdi ddng tin dung), bao dam tinh khach quan.
+ Ap dung ban miic quyet dinh cap tin dung va/hoac thdi ban cip tin dung tuy thugc vao nang lire cua timg Chi nhanh.
- Cac ndi dung quan ly nii ro tin dung ca ban:
+ Gidi ban tin dung ddi vdi 1 khach hang: la tdng mirc du ng tin dung toi da ma Vietcombank chap nhan giao djch ddi vdi khach hang trong mot thdi ky (1 nam). Tdng mirc cap tin dung de cap trong gidi ban tin dung gdm: du ng cho vay, sd du bao lanh va phan L/C mien ky quy, du ng cho vay chiet khau, du ng cho vay thau chi.
Muc dich va y nghTa: ap dung Gidi han tin dung nham hudng boat ddng quan tri rui ro ciia Vietcombank theo hudng chuan mirc qudc tl va cd y nghTa:
Thir nhit: Quan ly rui ro tin dung tdng thi ddi vdi 1 khach hang; Thii hai: Tang cudng tinh tap thi, khach quan trong boat ddng tin dung;
Thir ba: Md rgng quyln chii ddng ciia Chi nhanh trong boat ddng tin dung nhim dap irng nhu cau linh boat ciia khach hang.
Thdi ban va thim quyln xac dinh gidi ban tin dung: viec xac djnh gidi ban tin dung cho cac khach hang phai dugc tiln hanh xong cham nhit vao thang 6 hang nam nham dam bao CO sd lap kl hoach tilp can khach hang trong nam. Viec duyet gidi ban tin dung dugc
chia thanh 2 cap: Hdi ddng tin dung ca sd cd cac mirc thim quyln phe duyet khac nhau tuy thugc vao nang lire timg Chi nhanh, cac gidi ban tin dung vugt thim quyln ciia Hdi ddng tin dung ca sd phai trinh ra Hdi ddng tin dung Hdi sd chinh xem xet phe duyet. - Phan bd tin dung:
+ Phan bd theo vimg dia ly: Vietcombank thuc hien phan chia pham vi cip tin dung theo khu virc dia ly tren ca sd he thdng cac Chi nhanh va dua tren nang lire, vi tri cua timg Chi nhanh. + Phan bd theo ky ban vay va loai tien vay: Ca ciu ky han vay va loai tiln vay phai dam bao phii hgp vdi ca ciu ngudn vdn, song khdng tap trung qua cao vao mot loai ky ban ciing nhu mot loai tien vay.
+ Phan bd theo loai hinh san pham, ddi tugng khach hang, mat hang va ITnh vuc diu tu: Vietcombank chii truang da dang hoa cac san pham vay, ddi tugng khach hang, mat hang va ITnh vuc dau tu nham ban che va giam thieu hoa rui ro cd thi xay ra.
- Ve phan loai ng, trich lap va su dung DPRR tin dung:
+ Thuc hien phan loai ng 1 quy/lan theo quy dinh ciia NHNN, rieng ddi vdi cac khoan ng xau, Vietcombank thuc hien phan loai ng, danh gia kha nang tra ng cua khach hang tren CO sd hang thang de phuc vu cdng tac quan ly chat lugng va nii ro tin dung.
+ Vietcombank hudng tdi phan loai ng theo phuang phap dinh tinh, trong do ket qua xep hang khach hang dugc coi la co sd chii yeu cho viec phan loai ng; ddng thdi, tien tdi thuc hien trich lap DPRR tin dung theo thdng le qudc te tdt nhat, nham dam bao an toan trong hoat ddng tin dung, chu ddng ddi phd vdi mgi tinh hudng nii ro xay ra.
+ Vietcombank sii dung quy DPRR dl xir ly cac khoan ng xiu, nhung van tilp tuc thuc
hien cac bien phap hiru hieu dk cd thi thu hdi ng tir khach hang.