QUY TRÌNH CHO VAY 2006 SHB

QUY TRÌNH CHO VAY 2006 SHB

rffiSHB .r, )i id i ri:i j"i ; r{:i i l:,i [i{ ix i l.]l{i $ili Ll Li{ti lli

sa: AJolgD-TGD

cgr{G HOA XA Hgr cHU NGHIA vrE,T NAi!{

E\c lqp - Tt clo - Hanh phtic

a"**

Can Tho, ngdy 20 thcing i2 nd"nt 200.6

ri

.i.

it

Noi nltLn:

- HEQT vd Bun kidm scttit.

euyfir EINH cira rdNc clArvr pdc

(V/v: Ban hdnh euy trinh cho vay)

* :k* ** :F * {<** :k** ** * * *:F *:k * * !k *

rdnc crAM noc

- Cdn ct Nglt! dinlt 49/2000/NE-CP ngdy 02/9/2000 cfia Chinh phit vi Td chftc ttd

hoq.t dQng cfia Ngdn hdng thuong ntai;

- Cdn cft vdo Quy€'t dlnh 1627/2001//D-NHNN ngdy 3I/12/2001 cita Ttfi'nr d6'c

NgAn hd.ng Nhd nudc vd viAc ban hdnh Quy chA'cho t)a)) c,nifd chtlc ttn clung d.6'i rai'ftrirt,

hdng;

- cdn cit Quy€'t dinh 12fl2005/QD-NHNN ngdy 03/02/2005 ctrta Th6'ng ddc Ngdin

hdng Nhd nudc rtd vi€c sita adi, Ud sung mQt sd didu cita euy ch6' cho vay cfia Td c1ftJ iln dung d6'i vdi khdch hd.ng ban hdnh kim theo Quyal dinh sd'1622/200UeE-NHNN ngdy 3I/12/2001 crtaTh6ng d6'c Ngdn hdng Nhd nudc;

Cdn cft vdo Quya't dlnh 7Bj/2005/QD-NHNN ngdy 3l/5/2005 cila Tlfi'ng d6'c Ngart

lzdng Nhd ntdc ttd viac srta ddi, bd sung Khodn I Eidu 6 crta euy€'t dinh s6' nTnOOsrci-NIINN ngdy 03/02/2005 cfia Thd'ng d6'c Ngdn hdng Nhd;

- Ccin ct? Quyin han vd nhiQm vti crta Tdng'gidm d1'c quy clinh tqi Didu I0 cfia NgAn hdng Sdi Gdn - Hctt NQi,

'Eidu 1: Ban hinh kdrn theo Quydt dfnh niy "Quy trinh cho vay,,iip clupg cho roi)n h0

thong Ngin hing TMCP Sii Gdn - Hd NOi

Didu 2: Quydt dinh ndy c6 hiQu luc thi hinh kd t[ ngiy ky, nhfrng quy dintr rudc ddy

trrii vdi Quy rrinh niy hdt hi6u luc rhi hinh.

Eidu 3: Ban Tdng Girim ddc, Giiirn ddc ciic Chi nhrlnh vi ciic ddn vi cd li6n quan rrlrc

thuOc Ngin hing TMCP Sai Gbn - Hd NQi chiu trrich nhiQm thi hinh theo Quydt dinh nny.

rdrqc crAM Edt

QUY TRINH CHO VAY

(Ban hanh theo Quy€t dinh sOl 1a.l20oolQD-TGD ngdy./.c th angiz ndm 2006 cia TGE)

| - Tt=P TH! PHAT TRTEN KHACH HANG

ll TrEp NHAN NHU cAu cOA KHAcH HAN.G vA Dt xAc MINH

1t13

STT Gic bry0c thwc hi€n Thwc hi6n Chirng tu

Trwc ti6p

4

I ChuAn bi danh s6ch

hdng c6n tiep thi trong

vd giao chi ti€u ti€p thi

hdng cho CBTD

khAch thdng khdch

Trurdng PTD I

Trudng PGD

Cdrc thOng tin vrO khdch hang

dang kf kinh doanh c0a Sd KHET, cdc khu c6ng nghi6p,

khu ch€ xuat va qua lhOng lin dai chung

Danh sach

khdch hang cin fiAn thivui I rrvl!/ \r rt

khdch hdng c6n tiep thi Oe ten

llch den tiep xuc vd gio,i thiQu,

chdo b6n c6c sin phAm cOa

SHB

t6 ktriich trang Danh s5ch khrich hAng cAn

tiep th!

Lich ti6p thi

j Di d6n khdch hdng

:

thiQu cdc sdn phAm cria Ngdn hing;

phAm cr3a NgAn hdng;

ho ss n6u kh5ch hdno

+l

d6lg y sir dqng sdn phAm;

khdch hang vd d€ xuAt cdi ti6n sin ph5m nhdm d6p Ong nhu cAu cira

kh6ch hang, nAng cao ch6t luonq sdn ph5m

T6 kh6ch hano (co th€ k6t hEi

vcri l6nh dao d6i

vsi c6c khdch hang lon)

Phi€u hdng

thdm do 1i kien khach nr rnreu .X tnam

dd f ki6n

* - I

+:

oay ou tnong

tin

4 86o c6o ket qud ti€p thi cho

l-inh dao, ddnh gi6 khdch

hdnq ti€m nins ,

t6 ffiracn neng Phi€u thdm do ;i ki€n kh6ch

hdng da ducyc di6n di thong tin

Bao c6o tiOp

thi khach hang

khich hdng c0a CBTD thOng

qua s0 lwong kh6ch hdng mcri

d6n siao dich

Trudng PTD/

Trudng PGD

ThOng tin v0 kh6ch mo'i d6n giao dich

hA^^

Ket

rhi

theo doi

que tiep

n

IJ GiSn ti6p

1 Thuc hi€n quing cao sdn

phAm tr€n cac phuong ti€n

thOng tin dai ch0ng -nhw b6o

chi, truydn hinh, internet

2 Phdt tri€n khrich hdng thOng

qua gicri thi6u c0a hQ thSng

kh6ch hAns hi6n h0u

v

Cic br-p#c thyc hi8n Thr.vc hiOn Thcri gian

thpc hiin

Chwnq i*

SAU vio Eiu ra

TiOp nhin -nhu ciu vay v6n cria

khAch hing:

hcnn nA nhr r nArr lin drrnn

ll4l 19 'eV ll,lU UqU lll I uur rV.

/ l' ilulig Vdll bL,r ;JU I\j ldul I I ldllV

" I ldr Ig rL.i,u Pl ldp ly, I lgdl il I I lvl ls

nhuono an vav vOn

hoic"du-6n dAu tu, s6 ti€n vay, thcii

gian vay, k0 hoach trd nq, tdi

sin bdo'dim tiSn vay

) r Ti6p nhin nhu ciu hoic tu

ch6i cho vay:

: t

N6u ti6p nhfn thi phAn cong

CBTD gidi quy€t, ghi vdo s6

theo d6i qud trinh thuc hi€n;

Ntiu tr.v choi c0ng phdi ghi vdo

sO theo d6i de th6ng tin cho

c6c Chi nh6nh kh6c

I rtDdnf;'V | | | |

I ft Da)an gl:l \ rruvrry I vs

-r.^^^ *^4,,

ph6ng vAn

kh6ch hang

S0 theo d6i

kh6ch hanq

dOn co nhu

uL" r r9

Huong OEri Xnacn hdng c6c hO

so giAy to,, tei li6u vay vOn giri

Ngin hang vd gidl thich mqi thic

mic c0a khirch hing li6n quan

den cho vay, tu v5n cho kh6ch

hdng lqra.chqn loai hinh vay thich

hqp phn hep voi hoat dOng ct]a

kh6ch hdnq

TO Xirdcn nang Trong ngiy uac gray .: ts

vd tAi lieu

do khdch hang mang theo

B3n huong d3n h0 so

vay von

-.A lrep nnan I I no sc vay von i ILr1.

khdch .hdng, kiOm tra c6c di€u

ki€n doi voi khdch hdng tr6n h0

so nhu sau:

ning lqrc hdnh vi dAn sW;

hdng durEc xem x5t khOng;

kh0ng;

-; , , , , , .

I o Knacn nang Trong ngAy a d -l

Lrlay Oe

nghi vay

von cung

torin bO h6

so,d5 dwoc

ntl

- Bi6n bdn

giao nhQn

h6 sc vay von;

'i{gn ngdy

-i,t, Ji ,:^ gll.' \Jr /\du

minh &

th5m dinh

/1 X6c minh tai tru s&, no'i sin xu6t

kinh doanh c0a kh6ch hdng v6 :

F Quy mo vir tinh hinh hoat

d0ng;

qudn lf vdr diOlr hdrhh crla ban

l6nh dao;

nhAn kA tn4n flnt- *rnna hnat

lJr rqr I t\v lvqr r, Lrl lll l,l +llV li\Jg(

dOng c[ra MMTB;

-R I o Knacn nang, , , , , . Trong v&ng

0? ng&y ke

+i ^^:., rL"r I 19dy

nhin durgc -l -r r X oay cu no

scv tu khdch hdng

X6c minh va th3m dinh TSBD Phc*q thSm Tronq vong Hi ss vd tai B6c c*c

(nh)i k&t hnln rrrvi llhAnn iin dr rnn

\yr rqr r\vl

di ihAm djnh), nqi dung thAm

dinh nhu sau :

:l hrDtr t\H5 I'

lu vE L]uTgll JL/ ilLf u | \JiJU:

^.' r ,, ^,,.".,t lf tai TSBO;

theo qur/ dinh ci.a SHB

02 ngay k +,'., rLr ti9dy-^:.,

nh3n dryccna .: na!nl

thAm dinh

tAl ^;- L.:^

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Uh^n^ | I I

I livrju ru

qin hin L{i.; ni,i +ri

rrl utd L4i

ddm I sdii bao

unuyen Dao cao Inam olnn lal

san bdo dam cho Phong tin

dung

Trnnn nnirr 86o c6o

,ti^t- ^;; +i;

\J!rili grd tdr

san bdo oam

THAM DINH CHO VAY

STT Cic bwdc thpc hi6n Ngucri

Thuc hi€n

Thcri gian

thwc hi6n

Chwnq tw

Oiu vio Ddu ra

4

I Tham khdo cec th6ng tin vO

kh6ch hirng th6ng qua Trung tam

CIC c0a Ngfn hang Nhd nucrc :

hirng di vd dang quan he,

c6ng nq e0a kh6ch hing tqi

c6c TCTD;

hdng trong quan he giao dlch

voi Ngdn hdng;

tin v€ ngLPoi dai diQn, v6n

ddno kV.

t6 mdcn nang Trong ngiy Phi6u de

nnhi

^t rn^

I rvl il wqr ry

c6p thOng tin

khirch hdng

c0a SHB g&i

NgAn hAng

Bdn thong

tin khdch'

hina r't) (-lf

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Thim dinh h0 so vay v6n ctla

kh6ch hing :

vd ning lErc hoat dQng kinh

doanh,

vA hoat dOng kinh doanh cia

kh6ch hdng;

phucrng 6nldw 6n xin vay v6n;

vir khd ndng hoin trd no vay;

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, CBTD co th6 d6nh gid theo

! qudn diem crla minh (kh6ng

Oit buQc phdi theo Phong

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auviln ouvilt dinh

T0 kh6ch hdno +i.+I ut tld

02 ngay COi

vo,i ngin hqn

aor vsr trung

& dai han

H0 so do kh6ch hang

a, rna aAn rrr.,il rg vclP,

thong tin qua x6c minh

;

lnam ornn thWc te va

cac nguon thong tin kh;ic

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vd d6 xudt

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3i 13

02 ngay dOi

voi chc vay

trung & ddi

ttdlt

GD

ChuyOn hd sc iin dung cho

Phong thAm dinh thyc hien tdi

ihAm dinh tal Ch, nhdnh LoAi tru'

c6c hO ss sau:

- Cho vay ii3u dung dOi vvi

CBCNV

chfng kho6n cam c6ltne chAp bing chtrng khodn"

- Cdc khodn cho vay khSc

* lam cho dLr nE crla kh6ch

hdng tai SHB khong vugt

qu6 500 tri€udong

Fhong TDI Phcng GD

Thuc hien t6i thAm dinh tai Chi

nh6nh c6c nQi duitg:

- Khdch hang co di riieu

kiQn vay v6n kh6ng;

.

- Nhr+ng r0i ro trong cAp tln

dung cho khdch hdng;

- Nhung di€u ki€n cAn bO

xunq khi cAp tin dunq

Phong thAm dinh

Trong vdng

02 ngiiy ldm vi€c

To trinh tiii

, ;

tnam ornn

t-a ^^,.,^.,

l ru JLr vdy

von cua kh6ch hdng

:iv rniruu DUYFr cHo vhY

i

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STT C6c bwoc thwc hi€n

Thwc hi6n Thcri gian

thwc hi€n

Gh#ne tiy

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thim quy6n crla Giim d6c/Ban

tln dunq

4 Xem x6t ddnh gi6.lai todn b0 h0

so cung to trinh dd xuAt/ to trinh

t6i thdm dinh, ra quyet dinh cho

vay hoic kh6ng cho vay, cdi y€u

cAu cAn thqrc hi€n b6 xung tru'cvc

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Knr grar ngan von vay

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cho vay;

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Trucrng hEp duryQt cho vay thi

thOng b5o cho kh6tch hdng bi6t,

huong d5n kh6ch hdng b6 xung

c6c ch{rng tir, hoin thiQn c6c

y€u cAu duyQt rhu?n truoc khi

qiai nqAn v6n vay

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ttru.y.€.f,if,iu{*+

I nnnd

bdo cho vay giri

khach

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r r6ug

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vay thqrc hi€n :

khich h:'rn 51 tu ch6i cho

|\| |9v., t Ig| |5

VaV.

to no Ir0ltn

dr,rng

Trong,ng'6gr l-iii so vay

duygt khOng

^h^ ,,^,, ^,-,.*

ur lrJ v 4y \,u{l

nn tn'rn

\3i,/I] I LJ

Th0ng bdo tu

khodn vay

5 Truong frqp kho.in tin dgng

lruqt thdm quy6n ciia Chi

nh6nh

quy6n c*a Chi nhdnh vit tltu1c

thfn quyln c*a Ting Giam

d1c , hoic ngu'bi dwgc ity

quyeft

I Ban tfn dqng Chi nhdhh hgp xem

x6t, ddnh gi6 lai toan b0 h6 so

cung Tcr trinh thAm dinhiTo,trinh

lai thAm dinh, co f kien d€ xudt

16 rdng trinh T6ng Gidm d'oc

hoic nguoi duoc fiy quydn"

Ban tin

dLrng CN

Trong vong 02 ngay

-_HO so vay von;

- To trinh thAm

dinh vd d€ xuAt cho vay

- To trinh tei

tham dinh

Bien bdn hop Ban

d€ xu6t 16

rdng trinh

TOng GD

2 Trinh T6ng Gidm d'6c duyQt

thuin cho vay theo d€ xuAt

To kh6ch hdng

Trong vong 01

ngAy ke trr khi Ban lin dqng hop

3 Duygt thuin khong cho vay hoic

cho vay vo,i cac di€u kiQn phii

bo xung hoAn thiOn

T6.ng Gi6m

doc (hoic

nguoi duEc

0y quyen)

t6ioa 0.2 ngay (vay ngin han)

vd 03 ngdy (vay

*r, rna ,A JA;

U ut tv vd udl

hen)

- To trinh thdm

dlnh de xuSt cho vay;

- To, trinh tai th6m dinh;

- Bi€n bdn hgp

Tcy.trinh

thAm dinh

duEc ph6

duyQt.

/,

I Lap th6ng bdo cho khdch hdng

chap thuqn cho vay ho{c khong

cho vay giri khdclr hing, cdc yOu

tru0c khisiii nqAn

Td kh6ch

" hdng

Trong_vong 01

ngdy k€ tu ngdy duygt thuqn

Td trinh thAm'

dinh duec phd duy€t

ThOng

bdo cho

vay I

khong cho

VAV.

I Khoen fin dyng va?t thAm

quy€n crta Chi nhdnh vd thu6c

thArn quy6n c*a HQi ddng iin

dung

Ban tln dqrng Chi nhdnh xem x6t,

ddnh gi;i lai-toirn b0 h? so ctng

To trinh thAm dinh Oe xuAVfo

trinh t6ithdm dinh vi c6 1i ki€n 16

rdng trinh HQi dOng tin dung ph€

duyQt

Ban tin dung CN

t6i oa 02 ngiry To trinh th5m

dinh/Tcr trinh tai th5m dinh

Bi6n bin

I ivP LJqr I

lin A' '^^

ru I uuttg

ce xuat

trinh H0i

-l

^nnd trn rlrrnn

xuAt/To, trinh tdi thAm dlnh va

bi6n bin hop Ban tin dung Chi

nhdnh co 1i ki€n o-€ xudt 16 rang

trinh HDTD v€ Firong qudn lf tin

dung HO

Phong tln

r{r rnn

Trong vong 01

ngay k0 tLr khi

co f ki€n cda R:n fin drrnn

5

,) Ti€p nhgn va thLrc hiQn tdi thdm

dinh crip tin dung, de xuAt f kien

tham mLru trlnh HOi dOnq tin

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| | rvt tv quot i

lr7 tin r'irrnn

HO

TOj oa 02 ngAy

(doj voi ttay

ngdn han) va

Tcv trlnh

tdt UldtiI

crnn oe 5/13

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duyOt.nQi dung cua Bi€n bdn hgp

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dong tin dunq

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ii

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Thdng b6o duy€i ihu€n c0a HQi

dong tln d.ung kem ch6p thuin

cda HQi dOqg qudn iri cho Chi

nh6nh

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Trong ngay ky

xong Bien ben hgp HDTD vir chAp thuqn cOa

HDQT

7 Sau khi co phe duy€t c0a HDTD

^ ti

& chAo thuAn c0a HDQT:

hdng hodn thi€n cde thi tUc

theo y€u cAu trr-yoc khi gidi

ngan v0n.vay

vay va giri kh6ch hdng trong

truong hep khOng dwoc

duvdt thuAn

T6 khach

r rdr l9

Trong ngdy

nhin duoc

thOng bdo

- Bi€n-bdn hqp nor oong ltn

dLrng Hai s&;

- ChAp thuin

c8a HDQT

bing vdn bin.

Thu thOng

b6o cho vay hoac kh6ng cho vay g&i khdch

hing.

I

f HONi'r rAr HO sCI VA GIAI NGAN VON VAY

STT C6c bwcyc thr,rc hiQn Thyc hiQn Tho,i gian

Chryng tw

Diu vic "n4., u<tll I ct

4 Huong d6n khdch hing thqrc

hi€n b5 xung cdc chrrng tu vi

hodn thi€n c6c y€u cAu duyQt

thuAn cria cAp co thAm quyen

T6 khech

Trong ngdy nhAn dwgc ph6 duyQt

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thuin cria c5p

co thAm quy€n

ThOng b6o cho vay kem c6c y€u cAu

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L.^:-Pr rdr I lrJclt I

thi6n -'I

Tiep nh6n va chuytn giao h0

so tln dung ducrc duyQt thuin

cho T6 h6 trE tin dgng

T6 khach

^ -:

nangd lo

h6 tro tin

vsr r\j

Trong clng

ngay kh6ch

':

nang oo xung

ho ss theo y€u cAu

.'^':

I oan Do no

khach hang

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nhin h0 ss

r rur uu glLrd

T6 khach *;

nang va I o

nd trg tin dung Thr"rc hi6n ki ket hgp dOng iin

dttna nhAn rJi, :iArr r.r're hrrn

- i"Y'

dAna *in rl' rnn ,- lAir cA han

T6 hA tro tin

r'irrnn

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w ,: nosoiLu | ilgdy ilildtl, -: Io

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ng tu SmartBank kh6ch hanq

tl uol vot cac no3 oong bao dam

ti6n va,J kher:g pha; c0ng

chung/chung thUrc thl thUrc

hi6n soan thdo chuyOn khiich

hdng ky cunE h?p dOng iin

duns

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bdo ddm ti6n

rray duc-c kv

r i.

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tjOn vay phrii cOng

chung/chwng thuyc thi hen

khdch hdng thcri gian cu the di

c0ng chung/chung thLrc, lip

ven b6n u! quy€n di cOng

chwng hgp dong

T6 h6 ira tin dung

Trong vong : ."

ur ngay Ke tLr

khi nhin ho ' -:

sg tLl, I 0

kh6ch hding

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gio di cong chungichung

thuc

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Sau khi hoan thl6n kf k€t hqp

dong bdo dim ti€n vay Thqrc

hien {eng kf giao dich bdo

ddm ti€n vay theo quy dinh

-7 ro ' ; no trcy tin dung

Trong cung ngay kii hEp

dong bdo ddm ti6n vay

Oon ding ky

GDBD theo

m5u duoc c5c b€n kf day dti

Giay ch*ng nhqn dang k!

hodc don ddng ky co

x6c nh6n cia

co'quan ddng

o NhQp vdo €marlBank thong tin

hEp dOng bdo ddm tiOn vay,

loaitdi sin bio odm

ro no trE ttn

vY,,v

Trong cung

ngdy hoan thiAn hnnr"'Yrr rrYy

dong bdo ddm ti€n vav

In phi6u nhQp

ngoai bdng tdi sdn bdo ddm

7 ThLrc hien Copv lwu trrl vd

chuyOn toan bo nO .o, g6c ve

tdi sdn bio ddm nhr-r hoo dono

bdo ddm ti6n vay, cac giSy tE

gdc vO tdi sdn bdo ddm, bi6n

bdn dlnh gid, don bdo hi€m

(n6u co) cho Quy chinh de

nhdp kho

T6 h6 trE tin dung & Qu!

chinh

Trong ngdy hoiin thidn

hEp dong bdo ddm ti€n vay

Todn bO h0 so

khodn vay bdn

Yvv.

Bi6n bdn giao

nhQn ho so,

g6c khodn vay nhQp kho quy

I ngan vOn vay :

ll Ti6p nhAn cec tai ti€u,

I chung tu chwng minh muc

dlch sfr dgng v6n vay

'/ Ki€m tra lai tinh chinh xdc

' mqc dlch vay v5n theo

du_yQt thuin c0a cdp c6

thSm quyAn

./ NOu h0 scr giai ngAn d5 dAy

kem todn b9 h0 so, xin gidi

ngAn cia khdch hdno

I T6 h5 tro.' tin

Trong cirng ngay dd nghi

gidi ngAn c0a

khdch hang

HO so xin gidi ngAn hodn chinh bao gOm

nE vi c6c

chung tu cho

giii ngAn

To trinh dd nghi gi6i ngan

cia Phong tfn dung; Kne

usc nhAn no

co kf nhin

oay ou cua kh6ch hdng

Trinh GD/TPGD (hoic nguoi

dugc uy quyen) k! giai ngan

vOn vay

I o no tro trn

dunq

I rn h^

^r 'q^

rtvttvuutlu

ngiy de nghi gidi ngAn cria khdch hdnq

To trinh gi6i ngAn cung h0

so xin gidi ngAn cia khdch hdnq

I d lrrFh

^r^'

iv L,ililtgtal nnAn dr pron

r.Yerr vuvv

evJ vr il rssil

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vay theo kh€ usc nhAn no tr€n

ro no lro tjn dunq

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vr Isr rvvr rr \r

- | rpr r niip inin l^^ hA c.i .1iii

nnAn r'ira - khir.h hAnn fit vrtc

duyQt thuAn vao Hd so lL"u tr.to

cia khdch ha

Trnr:n nirnn

grar ngan

KhC u,cc

nl':in no nirnnrv euily Il\/ nnr^m nr

.; ,l

ft!.:r\/ lrnh rrcn

Hach to6n vero 'mey va thuc

hiQn gidi ngan cho khdch hdng

Phong dich

vU khech

harng

Tr^^^ ^,',^^rrvrrguuttg ngdy duoc

duyQt thuAn

aiii ^^A^

vtal I tgdti

Chung tu gidi ngan beng chuyen khodn duygt thuin crla lSnh dao

; unuyen khoan hodc

ti€n mit

hdno de d6n d6c thu hOi

Lip danh Sach cac khodn nE dOn

han, gia hgn, qua han trong 15 ngiy

ooc/ I ruong pnong va gur I o Knacn

rrLrong H I u/

Danh s6ch Knacn nang

trvi han trA

han nr ri

han"

DOn d6c khdch hdng thrrc hi€n tri

nq g6c vd ldi vay dting han, dac biet

-t

quan tam d€n c6c kh6ch hdng d5 tr€

h4n vd qu6 han

CuOi tuAn b6o cdo k€t sud thu no

trong tu6n cing nhfrng khodn nq Ob

qud hAn hoic co dAu hi€u bAt

thwo'ng, d6ng thcii d6 xudt c6c bien

phdp cdn thiet d'e thu hoi no'.

I o Knacn

lrL"Pong H I u/

Trudng PGD

86o c6o kOt

qud thu no

trong ky

Thqrc hign ki€m so6t sau v6n vay voi

tho,i gian thyc hi€n, nQi dung .thqrc

hiQn ki€m soat sau theo quy ch€ cho

vay hiQn hdnh c[ra SHB (Bao gOm

cd ki6m ka tdi sdn bdo ddm)

rrL"rsngHlu/

Trwdng PGD

Bi€n bdn

|.;

KIem lra co -"4-L ^i: ^,, udr li I gld uu

th€ c6c nOi

dung ki6m

(lhrrrrAn khi rv-tr nhAn nO va

vr rsJ' vl

^:^ ^t-,i,-^ r,',, +t -.'^ +^:^ /l lil.tra

UdU L,l rLtr-l lV iLr tl ldj.l I tudl I \\Jl\rJ,

giAy linh tiSn vay) cho PhonE

die h vr r KIJ hach ioan va thwc

hien sidi nqan cho kh6ch hd

KEM TRA, DON DOC THI.J HOI Ng

ElEu cHINH LAr suAT crto vAy, THr/c HIFN MIEN GIAM LAt vAy

STT C6c bwcvc thyc hiQn Thwc hi6n Thcri gian

thwc hi6n

Chwnq tri,

Bdu vio Diu ra

A. Didu chinh t1i sudt cho vay

;1 Dlnh ky hang thdng thqc hi€n ra sodt

tAt cd c6c hgp COng tin dqrng trung

hqn con du nq phdi diOu chinh l6i

suAt

T6 h5 trs tin

rlr rnn -uur ry

Danh sdch

+i- J,,-^ ^h;;rii I L]ur rv Pr rdl

tiiOu chinh l6i

suat

I Ldo io trinh diOu chinh I5i suAt ti"inh I n nr.\ TrnJ ttn Tri-rsc khi To trinh diOu

lSnh dao duygt thudn, to tr-inh phii

xdc dinh rd muc rdi suAi dp CrJng ky

kO tr0p vd thsi gian ap dung

Sau khi dr*rsc duy€t thuAn ldp thdnq

bdo lii suAi msi chuyOn f6 ffrac[

hano

l":'

l!l I

;, Inn tar suai

cvay"

u ilu ULI liii

di rnn vY,,y

r rong ngay

dt vv pr v v tr' r{r vv rrrAljv(

+L,,A^ti rLldl

I

| | lvtig UcU tdl

suAi moi

tt

L' |,tr" I llur i r.1 iul l,J udu uf iu Kltagil

i nang

I o Knacn

hane

r rong ngay

B MiSn sidm l1itiln vav

1 Ti€p nhin hO sc mi6n gidm ldi cia

khdch hdng (Dcin xin mi€n gidm lai

vay; Bing kO chi tiet.lai vay con nE

chura thanh todn; Ho so tai chfnh;

Cric chung tu lidn quan kh6c)

T0 kh6ch

I tdl t9

Trong ngdy

2 Thqc hign xdc minh vi l6p to,trinh

thAm dlnhh dO xuAt f kien cu th€

TO khach hinn 02 ng,iy Trong vongke

tu ngay nhpn dri hO

so cia KH

ThOng tin v€

khdc hdno:

gidm lii vay

To trinh thdm

dinh d'€ xu6t y

kiOn trinh lSnh

dao

(GDiBTD/TpD/HDID) theo quy ch€

mi6n gidm l6i vay c0a SHB

tO tfracfr

I rclr lg

To trinh thAm dinh duroc

duyQt thuin;

Bi6n bdn hgp

ouyQt thu?n miSn qiim l6i.

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a Chuydn t& trinh duoc duyQt

thuan/bi€n bin hqp duygt thuin cho

Phong kO todn thwc hi6n hach to6n

theo quy dinh

-:,,,,I o Knacn

r rclr tu

Trong ngdy

thuAn

5 Thryc hi6n h4ch to6n theo quy ch6

tdi chinh hi6n hanh c0a SHB

,l

rnong Ke

to6n

Trong c&ng ngdy duyQt

thudn

il THUNgcocvALAtvAY

qTT

G6c bwo,c thlyc hi0n Thrgc hign Thoi gian

thr.rc hi6n

Ch&ng iu

Diu vio i oAu rt

Kh6ch hing den tri ng tnycyc

hen

1 Ti€p nhqn y€u cAu trd no toan

b6/mQt ph6n v6n g6c va l6i vay

tu khdch hdng vd b6o cho Phong

tin dung

Phong dich vU

KH

2 Thwc hi€n tinh todn l6i, cdc loai

phi kh6ch hang phrii k6 b6o cho

Ihong dich vu khach hdnq

T6 h6 trs tin aung

Thuc hien :

- Lap chung tu thu v6n g6c va

lai vay kh6ch hang trd

- Thu tiOn trd no g6c va l6i vay

cda kh6ch hdng

- Trinh Ldnh dao kV chung tu

Phong dich vU

KH

Trong ngiry Ti6n mdt hodc

cnuyen Knoan

Chuynq tLf :hr r rrAn aAaLr rq vvt I gug

YA rdr vdy,