Chương trình đào tạo Chất lương dịch vụ đối với Giao dịch viên

Chương trình đào tạo Chất lương dịch vụ đối với Giao dịch viên

QUY TRNH NGHIP V CHO VAY (Ban hnh theo cng vn 678/2012/QT-HQT ngy 15/11/2012) 1 NI DUNG CHNH Giai on 1: Tm kim khch hng, tip nhn h s Bc 1: Tip xc, tm hiu v tip nhn nhu cu vay vn ca KH Hng dn khch hng cung cp h s theo mu 01/QTCV

Ngi thc hin: Chuyn vin khch hng Bc 2: Tip nhn v kim h s do khch hng cung cp Thc hin giao nhn h s vi khch hng (02 bn) theo mu 05/QTCV hoc 06/QTCV Lp phiu lun chuyn h s theo mu 08/QTCV Ngi thc hin: Chuyn vin khch hng 2 NI DUNG CHNH Giai on 1 (tt)

Bc 3: Thm nh tn dng v lp t trnh Sau khi thu thp thng tin s tin hnh lp t trnh cp tn dng theo mu 09/QTCV hoc 10/QTCV ngh T nh gi nh gi ti sn m bo theo mu 11/QTCV Ngi thc hin: Chuyn vin khch hng 3 NI DUNG CHNH Giai on 2 Ph duyt cho vay v thng bo n khch hng

Bc 4 Sau khi lnh o Phng Khch hng k kim sot, CVKH tp hp ton b h s thm nh trnh cp c thm quyn ph duyt: Nu khon vay thuc phn quyt ca Gim c CVKH chuyn ton b h s vay cho Gim c Nu khon vay thuc phn quyt ca Ban tn dng CVKH chuyn ton b h s cho th k Ban tn dng Ban tn dng hp ly kin theo mu 12a/QTCV 4

NI DUNG CHNH Giai on 2 (tt) Bc 5 Sau khi c kt qu ph duyt khon vay t Hi ng tn dng, CVKH thng bo n khch hng theo mu 15/QTCV hoc 16/QTCV. Trng hp khng cho vay th CVKH thc hin thng k theo mu 31/QTCV. 5

NI DUNG CHNH Giai on 3 Hon thin h s Bc 6 CV QLTD tip nhn h s t CVKH theo mu 05/QTCV hoc 06/ QTCV CV QLTD thc hin kim tra h s theo quy nh ca Ngn hng. Bc 7 CV QLTD thc hin son hp ng tn dng theo mu 17/QTCV

v hp ng th chp, ng k giao dch bo m theo quy nh. CV QLTD trnh qun l Phng QLTD kim sot. 6 NI DUNG CHNH Giai on 3 (tt) Bc 8 CV QLTD v CVKH kim tra thm quyn ngi k cc hp ng CV QLTD thng bo hoc phi hp vi Khch hng thc hin

Cng chng/chng thc, ng k giao dch bo m, theo quy nh ca Ngn hng. Ghi ch: Khch hng k cc hp ng ti Ngn hng v CVQLTD thc hin gim st. Trong trng hp CVKH giao hp ng trc tip cho Khch hng th CVKH chu trch nhim gim st khi khch hng k. Bc 9 CV QLTD tin hnh nhp liu gii ngn trn h thng Flexcube theo quy nh. 7

NI DUNG CHNH Giai on 4 Gii ngn cho khch hng Bc 10 Khi khch hng c nhu cu gii ngn, CVKH lp giy ngh gii ngn (3 bn) theo mu 18/QTCV hoc 19/QTCV. CV QLTD lp Kh c nhn n (3 bn) theo mu 29/QTCV v thu thp chng t chng minh mc ch s dng vn, CVKH c trch nhim kim tra li thng tin khch hng, iu kin gii ngn, .

8 NI DUNG CHNH Giai on 4 (tt) Bc 10 CVKH lp t trnh gii ngn theo mu 20/QTCV trong cc trng hp sau: Cho vay theo hn mc Cho vay tng ln gii ngn t ln th 2 tr i

Gii ngn sau 30 ngy k t khi k hp ng tn dng 9 NI DUNG CHNH Giai on 4 (tt) CV QLTD nhn h s gii ngn t CVKH v kim tra li thng tin khch hng. CV QLTD trnh lnh o Phng QLTD kim sot v trnh lnh o k duyt.

Trng hp h s gii ngn cha tun th th Phng QLTD xc nhn v chuyn h s li Phng khch hng b sung theo quy nh Trong trng hp gii ngn bng tin mt CVKH phi p ng y cc iu kin theo quy nh hin hnh ca Ngn hng 10 NI DUNG CHNH Giai on 4 (tt)

Bc 11 Cn c h s tn dng CV QLTD tin hnh nhp liu v hch ton gii ngn theo quy nh. Lnh o Phng QLTD kim sot v duyt trn h thng Flexcube. Sau khi duyt gii ngn CV QLTD chuyn chng t cho lnh o Phng KT-NQ chi tin cho khch hng. Phng KT-NQ kim tra, i chiu li cc thng tin trc khi chi tin cho khch hng. CV QLTD Photo li 01 chng t lu h s gii ngn. CVQLTD chuyn cho khch hng 1 b h s vay k kt vi Ngn hng. 11

NI DUNG CHNH Giai on 5 Qun l h s vay Bc 12 CVKH chu trch nhim trong vic theo di, kim tra, gim st thng xuyn vn vay ca Khch hng. Kim tra sau cho vay (CVKH thc hin): Chm nht 15 ngy k t khi gii ngn i vi tng khon vay v lp theo mu 21/QTCV

Trng hp gii ngn bng tin mt, chm nht 10 ngy sau gii ngn, CVKH phi b sung chng t vic s dng vn. Kim tra nh k 3 thng/ln i vi vay ngn hn theo mu 22/ QTCV (kinh doanh) hoc 23/QTCV (tiu dng). Kim tra nh k 6 thng/ln i vi vay trung, di hn theo mu 22/QTCV (kinh doanh) hoc 23/QTCV (tiu dng). 12 NI DUNG CHNH Giai on 5 (tt)

Thu hi n n hn nh k ngy lm vic u tin ca thng, Phng QLTD s gi sao k n n hn trong thng n CVKH, lnh a Phng Khch hng, PGD, lnh o n v theo di v n c. Trc 10 gi sng hng ngy, Phng QLTD thng bo cc khon n qu hn, tr hn n CVKH, lnh o Phng KH, PGD CVKH thng bo nhc n n khch hng CVQLTD thc hin thng bo nhc n bng vn bn theo mu 24/QTCV n Khch hng nu n chuyn sang ngy th 4 thng qua CVKH 13

NI DUNG CHNH Giai on 5 (tt) CVKH nhc n li trc 05 ngy; gc trc 10 ngy khi n hn. V nhc li trc 01 ngy n hn. Trng hp n qu hn t 5 7 ngy lm vic, Phng QLTD lp thng bo n qu hn theo mu 25/QTCV chuyn cho CVKH gi n cho khch hng. Sau 05 ngy lm vic k t khi chuyn n qu hn, CVKH phi n lm vic trc tip vi Khch hng v ngha v tr n (c bin

bn). Sau 07 ngy lm vic k t khi thng bo ln 3, CVKH tin hnh x l n theo quy nh ca Ngn hng. 14 NI DUNG CHNH Giai on 5 (tt) Thanh l hp ng Sau khi Khch hng thc hin ngha v tr n, CV QLTD tin

hnh lp bin bn thanh l theo mu 30/QTCV v trnh lnh o k duyt. CV QLTD lu h s theo quy nh 15 NI DUNG CHNH Ti cc Phng giao dch thc hin trnh t nh ti S giao dch 16

Quy trnh cho vay i vi Khch hng 17 Giai on 1 Giai on 2 Giai on 3 Giai on 4

Giai on 5 Quy trnh ph duyt khon vay vt mc phn quyt VKD 23 Ph lc 1 Lp h s vay vn (KH Doanh nghip) 1 - H s php l Giy chng nhn KKD/ chng nhn u t, giy php hot ng, Giy chng nhn m s thu

iu l doanh nghip Quy ch ti chnh (nu c) Quyt nh b nhim Tng gim c,Gim c, K ton trng/ TP K ton, .. Bn sao CMND/h khu ca Tng gim c,Gim c, K ton trng/TP K ton, .. Bin bn gp vn, Bin bn hp HQT/HTV v vic vay vn ngn hng 24 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo

Giy chng kinh doanh mt s ngnh c iu kin: lnh vc VSATTP, xng du, dc phm, Chng ch hnh ngh: kinh doanh BVTV, khm cha bnh, Bo him V cc h s php l khc c lin quan, 25 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo 2 H s ti chnh Bo co ti chnh (theo quy nh ca BTC) Cn i k ton

Bo co kt qu HKD Thuyt minh bo co ti chnh Bng cn i s pht sinh chi tit Bo co lu chuyn tin t Bo co ca kim ton c lp Bo co ti chnh nhanh S k ton T khai thu VAT Bin bn kim tra ca CQ thu, kim ton nh nc 26 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo

K hoch sn xut, kinh doanh, Bo co s kt/tng kt kinh doanh, Bo co th hin nng lc ti chnh, . Yu cu i vi h s ti chnh: Bo co co ti chnh: bn chnh (ch k v ng du) S k ton v giy t do khch hng lp: bn chnh hoc bn sao c xc nhn (ng du ca DN); T khai VAT, giy t do bn th 3 lp: bn chnh hoc bn sao c chng thc. T khai VAT phi c xc nhn ca c quan thu; Thi hiu bo co: Trung, di hn hoc ngn hn khng c TSB: bo co qu

v lin tc 3 nm gn nht Ngn hn: bo co qu v lin tc 2 nm gn nht 27 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo 3 - H s vay vn Giy ngh vay vn (theo mu ngn hng) Phng n vay vn, tr n/d n u t (theo mu ngn hng) Chng t chng minh hot ng sn xut, kinh doanh: hp ng KT, ho n, phiu nhp/xut kho, i vi khon vay trung, di hn: Giy php xy dng, h s d ton, hp ng cung cp thit b, vt t, .

i vi khon vay bng ngoi t (thc hin theo php lnh ngoi hi): hp ng ngoi thng, theo quyt nh ca Th tng, . 28 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo Yu cu i vi h s vay vn Cc giy t theo mu Ngn hng: Bn chnh Giy t do khch hng t lp: Bn chnh hoc bn sao c xc nhn ca khch hng Giy t do bn th 3 lp: Bn chnh hoc bn sao c chng

thc ca CQ c thm quyn. 29 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo 4 H s ti sn m bo Giy t chng minh quyn s hu ti sn Hng ho tn kho, my mc thit b: Hp ng mua bn, ho n ti chnh Yu cu i vi h s: theo cc quy nh v m bo tin vay ca Ngn hng

30 Ph lc 1 Lp h s vay vn (KH Doanh nghip) tip theo 5 Tnh hnh quan h tn dng vi cc TCTD khc Sao k d n ti cc TCTD khc Sao k ti sn m bo ti cc TCTD khc Hp ng tn dng/th chp

Yu cu i vi h s: sao k: bn chnh; hp ng: bn sao c xc nhn 31 Ph lc 2 Lp h s vay vn (KH C nhn) 1 H s php l Chng minh/h chiu ca v/chng khch hng H khu/KT3 ng k kt hn/xc nhn c thn khng qu 3 thng/giy chng t/tuyn b mt tch U quyn hp php ca ngi c lin quan

2 H s ti chnh Hp ng lao ng, quyt nh b nhim, tip nhn, Chng t chng minh ngun thu nhp: Q nng bc lng, tng lng, thng qun hm, Xc nhn lng: ti thiu 3 thng gn nht Chng t chnh minh ngun thu nhp khc: hp ng, ho n, Cc h s khch c lin quan. 32 Ph lc 2 Lp h s vay vn (KH C nhn) tip theo 3 H s vay vn

Giy ngh vay vn (theo mu LPB) Phng n kinh doanh (theo mu LPB) H s chng minh mc ch s dng vn vay/tnh hnh hot ng kinh doanh Cc giy t khc 4 H s ti sn m bo Giy t chng minh quyn s hu ti sn Cc giy t khc theo quy nh v m bo tin vay ca ngn hng 33

Ph lc 2 Lp h s vay vn (KH C nhn) tip theo 5 H s tnh hnh quan h vi cc TCTD khc Sao k d n ti cc TCTD khc Sao k ti sn m bo ti cc TCTD khc Hp ng tn dng/th chp Yu cu i vi h s: sao k: bn chnh; hp ng: bn sao c

xc nhn 34 Ph lc 3 Thm nh cho vay KH doanh nghip 1 - Thm nh khch hng Thm nh t cch php l ca khch hng Kh nng qun l Qu trnh hnh thnh v pht trin ca KH Tnh hnh quan h tn dng ca KH Tnh hnh sn xut kinh doanh

35 Ph lc 3 Thm nh cho vay KH doanh nghip tip theo 2 Phn tch tnh hnh ti chnh Phn tch bng cn i k ton Phn tch chi tit c cu ngn vn, s dng vn, c cu ti sn, phn tch bin ng so vi qu kh nh gi mc ri ro, hn ch tim n i vi vic s sng vn, nh gi cc khon phi thu, phi tr, tn kho, ti sn c nh, cc khon u t di hn, Phn tch bo co kt qu hot ng kinh doanh

Phn tch c cu doanh thu, t trng Mc c tng/gim doanh thu, l do, bn cht ca n Cc khon thu nhp bt thng T trng thu nhp So snh vi cc ch tiu so vi trung bnh ca ngnh, , 36 Ph lc 3 Thm nh cho vay KH doanh nghip tip theo Phn tch c cu chi ph, t trng Mc c tng/gim chi ph, nguyn nhn, l do, T trng cc khon chi ph, Phn tch cc ch s ti chnh

Cc ch s kh nng sinh li Cc ch s v tng trng Cc ch s v hot ng Cc ch s v thanh ton Cc ch s n Khi phn tch cc ch s ny cn ch v quy m hot ng, ngnh ngh hot ng, chch sch u i ca nh nc, 37 Ph lc 3 Thm nh cho vay KH doanh nghip tip theo 3 - Thm nh phng n vay vn

u vo ca phng n u ra ca phng n S cn thit u t Hiu qu ca phng n Xc nh nhu cu vay/mc cho vay Kh nng cho vay ca Ngn hng Ngun tr n, thi hn tr n Xc nh phng php cho vay Loi tin cho vay, . 38

Ph lc 3 Thm nh cho vay KH doanh nghip tip theo 4 - Thm nh ti sn m bo Thc hin theo quy nh v ti sn m bo ca Ngn hng 5 - nh gi li ch, ri ro tim n v xut bin php khc phc 39 Ph lc 4 Thm nh cho vay KH C nhn 1 - Thm nh tnh php l khch hng Thm nh t cch php l ca khch hng

nh gi nng lc hnh vi dn s v nng lc php lut dn s Hon cnh xut thn, quan h x hi ca Khch hng nh gi v sc kho, kh nng lm vic, nh gi v trnh chuyn mn, kh nng qun l, nh gi v thc php lut, trch nhim, thi hp tc, 2 Tnh hnh quan h vi cc TCTD ca KH Kim tra thng tin CIC, lch s quan h tn dng ca KH v ng trch nhim (v/chng), tham kho thng tin t cc ngun khc nng cao tin cy. 40

Ph lc 4 Thm nh cho vay KH C nhn tip theo Trong trng hp CIC cho bit c n nhm 2 tr ln, th KH phi gii trnh nguyn nhn v bin php khc phc phn n qu hn ny Nu gii trnh hp l th CVKH nhn h s v thm nh nh khon vay thng thng Nu KH khng gii thch c, chy khng tr n hoc lm gp vn lm n thua l th c th bo co lnh o t chi khon vay 3 Thm nh ngun tr n

Thm nh ngun thu nhp t lng v cc khon theo lng Thm nh ngun thu nhp t khai thc ti sn hin c Thm nh ngun thu nhp t kinh doanh Thm nh ngun thu nhp khc 41 Ph lc 4 Thm nh cho vay KH C nhn tip theo 4 Thm nh phng n vay vn

Cn c vo phng n cay vn, CVKH s thm nh v tnh hp l, hp php, hiu qu. Khng cho vay vi nhng mc ch chi tr cho hot ng b php lut cm. Mc ch vay vn: s cn thit v hp l ca ngh vay vn V phng n vay vn: u vo, u ra ca phng n K thut, cng ngh Hiu qu kinh t Nhu cu vn Vn t c v huy ng khc tham gia phng n Thi gian vay: Theo mc ch s dng

Theo ngun tr n 42 Ph lc 4 Thm nh cho vay KH C nhn tip theo Ngun tr n: theo hng dn chi tit Li sut cho vay: cn c vo h thng xp hng, mc ch s dng vn v nh hng kinh doanh ca n v, 5 - Thm nh v ti sn m bo: theo quy nh v bo m tin vay ca Ngn hng 6 nh gi li ch, ri ro, bin php khc phc 43

Ph lc 5 Thm quyn ca ngi i din 1 Ngi i din theo php lut k kt cc hp ng, KU Ngi i din gm: theo php lut hoc theo u quyn 2 Cc hp ng phi c ngi c thm quyn k 44 Ph lc 6 Qun l doanh thu/dng tin 1 Quy nh v dng tin chuyn v ngn hng L ton b dng tin pht sinh c trn ti khon ca KH ti Ngn hng: doanh thu bn hng; cc khon khc ngoi doanh thu

2 Phng php kim tra, gim st dng tin Cn c vo tnh hnh hot ng CVKH tho thun/yu cu khch hng chuyn v Ngn hng theo mu sau: nh k 03 thng/ln, n v kinh doanh thc hin kim tra gim st dng tin chuyn v ngn hng (theo mu quy nh) Vic kim tra iu kin ph duyt chuyn dng tin phi th hin: S tin chuyn v trong k S tin chuyn v T l chuyn tin: s pht sinh c/s tin chuyn v theo ph duyt 45

Ph lc 6 Qun l doanh thu/dng tin Bin ng v doanh thu v phn php ghi nhn doanh thu Nguyn nhn, l do khch hng khng thc hin Cn c vo kt qu kim tra, n v kinh doanh thc hin gim st dng tin theo mu sau 46 Ph lc 7 H s ti thm nh T trnh thm nh ca n v kinh doanh Bin bn hp ban tn dng (theo mu)

Bo co thm nh ca Phng thm nh Bo co thm nh gi (nu c) Phiu ph duyt cp tn dng Cc ti liu khc (nu cn thit) 47 THO LUN

Recently Viewed Presentations

  • WISER Focus on Subject Gateways and Web Services

    WISER Focus on Subject Gateways and Web Services

    WISER Focus on Subject Gateways and Web Services for Research An introduction to search engines (and the pros and cons of Google), internet gateways, usenet groups and RSS feeds, mailing lists and other electronic networking opportunities
  • World War II: 1942-1945 - Loudoun County Public Schools

    World War II: 1942-1945 - Loudoun County Public Schools

    World War II: 1942-1945. European Theatre. North Africa. After Pearl Harbor, Allies decide to open a 2nd front in Africa, not France against the Axis Powers. Angers Stalin. Nazis push the Allies back in August of 1942. Battle of El-Alamein,...
  • Evidence-Based Practice (EBP) - MemberClicks

    Evidence-Based Practice (EBP) - MemberClicks

    Student Learning. A student that is out of sync or scattered causes misunderstandings in the clinic between the student and FWE. This causes a loss of confidence and promotes the student to resort to imitating what they think the FWE...
  • Présentation PowerPoint

    Présentation PowerPoint

    Datation d'occitan/gascon cleda 1) Datation directe Raynouard 1836 : 2. Raynouard → Levy Levy 1994 : 2. Datation indirecte (noms propres) NotreFamille s.v. Laclède : 2. Lexicographie anthroponymique Grosclaude 1992 : 2. Première attestation absolue Fexer 1978 : 2.
  • Lecture 2 Narration Outline 1. Objectives of Lecture

    Lecture 2 Narration Outline 1. Objectives of Lecture

    3) The Conclusion. 1) The Introduction The Narrative Hook * Hooks help "set the stage" for the story. * They make readers start guessing about what will happen next. * The hook should make the reader ask wh-questions about the...
  • The Journey to the AP Spanish Language Exam

    The Journey to the AP Spanish Language Exam

    The Journey to the AP Spanish Language Exam. Elizabeth Sacco. World Language Consultant. ACTFL 2010. Spanish 1. Spanish 2. ... Compile a list of all the audio and video sources in your program that correspond to the . ... A...
  • National School Lunch Week October 13-17, 2014 {Insert

    National School Lunch Week October 13-17, 2014 {Insert

    Host a special challenge, presentation, or event in the cafeteria. Use special menus during NSLW to highlight all of the healthy options. Rename your menu staples for the week of NSLW to make them more fun. Decorate the cafeteria with...
  • Push-in Contextualized ELD Session 2. Friday, Sept. 26,

    Push-in Contextualized ELD Session 2. Friday, Sept. 26,

    It was in that strange and sudden way that Mary found out that she had neither father nor mother left; that they had died and been carried away in the night, and that the few native servants who had not...