GIẢI PHÁP NÂNG CAO CHẤT LƯỢNG CHO VAY TIÊU DÙNG TẠI NGÂN HÀNG ĐẦU TƯ VÀ PHÁT...

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Transcript of GIẢI PHÁP NÂNG CAO CHẤT LƯỢNG CHO VAY TIÊU DÙNG TẠI NGÂN HÀNG ĐẦU TƯ VÀ PHÁT...

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    1/41

    Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed

    MA FA

    FL AM E

    BNED MA EDEC R ZLR RR

    BNED MA Q & OEC

    GLE AN ECE DEC Z AA CLL XDX A EY _NEDE TR AN ECE DEC Z ^Y R_ED GLE RXXD FA

    Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    2/41

    Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed

    BNED MA Q & OEC

    Q

    OEC

    Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    3/41

    Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed

    FL AM E

    ^yn 1 em da rx z e fy|e bl clec ec l da& gr dx zl rdl clne

    rda rx rl Ece dec y r z Xdr rle adl eded Ecd Ne& im da z rad f|

    a edly gle rda ~y oy adk med% Ok ak gle rx e| a dke rded f q gr

    dx cln f rdy|r da z rda r rkec rdl clne rda rx%

    a gle rda dke rded ok ak gle rx f ed q clec b| re red an ~y

    rd| a Rec l Da Eckl Rdec& q dec be re rm an a clk Re Rd

    Fec Oed- clec zle gdkn Rl aded Ece dec z q clx edlr red an aa ned

    ad ae o zle ada rkec Ece dec y r z Xdr rle adl eded Ecd Ne%

    Im tle o| r fec olr e e0

    - ^y rd| a gdkn Rl aded Ece dec l da Eckl Rdec D El%- A clk Re Rd Fec Oed%

    - One fed k ece dec OLBZ adl eded Ecd Ne0

    k Ad0 Xdm Rd Dl Ze $Rec xdec ^yne d gdad dec 1,

    k Ned0 Xdm Rded Ryec $Ady|e zle xdec ^yne d gdad dec 1,

    Aec rr a ned ad ae o zle ada aa xdec one rkec Ece dec clx &

    ad ok z rk ml ly gle rdye fl adk im a a dl rlx ta rda r dke rded

    ok ak gle rx%

    Qny aec im ged ada ~y rd| a Rec l Eckl Rdec D El aec aa

    ned ad rkec Ece dec y r z Xdr rle adl eded Ecd Ne bl bk qa gdi z

    fye rded aec rkec aec ra%

    D El& ec| ?4+83+?8>>

    Qled zle fm ok ak

    Ol Rd Rdy Dkl

    Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    4/41

    Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed

    BNED MA EDEC R ZLR RR

    OLBZ0 Ece dec y r z Xdr rle Zlr Enm $Oneg jk Leziqrmier neb

    Bizifkxmier kj Zlir Enm,%

    AZ0 Adk zn|%

    AZRB0 Adk zn| rly bec%

    BE0 B e%

    GD0 Gdad dec%

    ED0 Ece dec%

    EDEE0 Ece dec ed ea%

    EDRM0 Ece dec rdec ml%

    E^D0 E ~y de%ED R * XR ZE0 Ece dec y r z Xdr rle Zlr Enm%

    DZ0 Dy| ec ze%

    ZE0 Zlr Enm

    SRK0 R ada rdec ml ^ya r%

    Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    5/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    XDE M Y

    >% Red ax rdlr an rl

    Zlr Enm f mr r ea nec xdr rle zl edly rlm eec z gled r - t dl

    z ec| aec gdec ed z rd an med re rec ~ya r oec edec rded ry gd~yne z xdr rle gled r - t dl r a rkec edec em ~yn& oec adec le

    ded edr f zla r rded rded zle aded rda an r ada rdec ml rd cll SRK

    rkec em ?88:% Em ?8>>& ee gled r Zlr Enm a b ke q oa zk clnl ke

    xda dl z rec oa re xdr rle& rec rec CBX b gle r ma ank de

    em ?8>8% Zlr Enm ze y rle glm ad fm xdr& e ed gled r z m z rec

    aec ne eled t dl% Zlr Enm a rdm edly ze dl ml adk q xdr rle edec

    aec gdec r rdad rda nec ad xdn ra& eced Ece dec aec gdec em

    eckl q ed dec %Rkec fed za ece dec& aa EDRMZE ec| aec xdl ady edly x fa rkec

    zla cl z m ec rd xde an med ecn| re fed rd Zlr Enm% D rdec rl aded

    Ece dec a m an dke rke& ed by q rdm edx qy ec an aa r ada rl

    aded ea eckl& gdle x fa aed rned rkec fed za e| ec| aec ank% De en

    Ece dec f dy|r mad& f aec a Aded xd ly rlr ee gled r z rda dle aa

    adle fa gled r adk q xdr rle oe zec fy bl an r ea% Z z|& aa Ece

    dec xdl edned adec rdad ec& xdl l ml& xdl dke rdle de a rd aed

    rned z re rl fy bl re rd rec% ^yn ~y red ecdle ay re cd ed rec zl rm dly rda r& im ede rd| aa Ece dec nec be ad rec zk mec rd

    rec adk zn| rly bec x ec edy ay ec| aec ank an gdad dec% B ml

    ad tyr dle rkec rdl clne ece& edec qe xdm e| edned adec rdy dr gdad

    dec n rdad e% Dle en|& ee gled r ea rn ec| aec xdr rle z dl edx zl

    bec ad| ee gled r xdr rle an rd cll& adr fec be r z adr fec aya qec

    ec| aec a al rdle rd gdec edec ded rda re bec bkned ecdlx m re bec

    a ede aec xdr rle r med%

    Ry| edle dkr ec e| nec a edly ble ole gd xda rx& edec de adedr ed z z| ae xdl tim tr z n n cll xdx gda xda dkr ec ec|

    aec dly ~y de% Ede rda a rm ~yne rec an dkr ec AZRB l zl l

    qec el adyec z aa Ece dec el lec& qny mr rdl clne gle rx rl Adl eded

    Ece dec R * XRZE Ecd Ne aec zl edec gle rda rad f| a rkec ~y

    red da rx im med be ade rl0Cll xdx eec ank adr fec adk zn|

    rly bec rl Adl eded Ece dec y r z xdr rle Ecd Ne fm el byec

    gle rx an med zl d| zec q m n mr dec l ml adk q xdr rle re bec

    rly bec an Adl eded el lec z Ece dec y r z Xdr rle el adyec%

    Qled zle rda rx0 Ol Rd Rdy Dkl >Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    6/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    ?% Ma ad ecdle ayRe a q f fye gdkn da z rda rle m ded adk zn| rly bec rl aa ece

    dec rdec ml re n oe rded xd Zled adk adec rn ede ed a rm ~yne

    rec an re bec rly bec rkec rdl l ec| en|% Zla ecdle ay an rl edmn n edec cll xdx m ec re bec rly bec rl adl eded Ece dec y r z

    Xdr rle rded xd Zled f r ae rdlr& t| bec xdec xdx m ec re bec

    rly bec rda rle& re bec rd a med an med z gdnl rda rlm eec ze a

    an rd rec% ^yn & Adl eded rl n dn fl edye& clm rdly l k z xda z

    gdad dec mr aad fled dkr& x ec rr edy ay an gdad dec%

    1% Xdm zl rlXdm zl an rl f ecdle ay dkr ec adk zn| rly bec rl adl eded Ece

    dec y r z Xdr rle Ecd Ne r em ?884 e y em ?8>>% R f fye z rda rle&

    ok ak n n mr q gle& cll xdx edm eec ank dkr ec e| rl Ece dec%

    2% Xdec xdx ecdle ay

    - Rdy rdx q fly0 aa ok ak z rl fly an Adl eded Ece dec y r zXdr Rle Ecd Ne& rdec rle re aa rnec ok rl aded& oe rle rl aded z aa rnec

    sio fle ~yne%

    - Xdec xdx0 Rdec g& rec dx& ble bad& ~y| ex%- Xde rad q fly z ed cl q fly z q ry|r l z q rec l r rl fly

    a a $oec oly& oly , r n n ede tr& gr fye z dkr ec re bec an

    Ece dec%

    9% Gr ay an ol ok ak0Ol ok ak an im a adln rdik aa xde ed qny0

    N%Xde m y cll rdly ecdn& ma ad& xdm zl& xdec xdx ecdleay z ay ra an rl%

    O% Xde el byec onk cm 1 adec0

    Adec >0 A q f fye z re bec ece dec z adk zn| rly bec rl aa

    ece dec rdec ml%

    Adec ?0 Rda rec dkr ec adk zn| rly bec rl Ece dec y r z

    Xdr rle Adl eded Ecd Ne r em ?884 e y em ?8>>%

    Adec 10 Cll xdx m ec adk zn| rly bec rl Ece dec y r z

    Xdr rle Adl eded Ecd Ne%

    Qled zle rda rx0 Ol Rd Rdy Dkl ?Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    7/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    A% Xde gr fye mr q ze r n qny ~y red ecdle ay z edec lm

    ml an rl%

    ADEC L

    EDEC ZE A OE Z ADK ZN\ RLY BEC

    RL ECE DEC RDEC ML

    >%> Ece dec rdec mlRdik Fyr R ada re bec q 23+?8>8+^D >? one de ec| >:+8:+?8>8 ed

    ecdn0Ece dec Rdec ml f fkl ded R ada Re bec a rda dle rke o

    dkr ec ece dec z aa dkr ec gled bkned gda a fle ~yne% Rkec & dkr

    ec ece dec f dkr ec gled bkned rle r z bad z ece dec zl el byec

    rdec ty|e f ede rle cl& q bec rle e| ax re bec z ayec ec aa bad

    z rdned rke%

    Rdik Ecd ed q 9%?%> Q tyr dle z xdr rle an adk zn| rly bec%

    Aya gdec dkec rkec d rdec Ece dec or y edec em >8 Ecdlx z AZRB

    Qled zle rda rx0 Ol Rd Rdy Dkl 1Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    8/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    xdr rle oec e% AZRB nec f fed za ~yne rm dec y gdec edec l zl aa

    ece dec& ecl rly bec m ae f l zl a ea%

    >%?%? Gdl elm AZRB%

    Rdik ~y| ad adk zn| an r ada re bec l zl gdad dec q >:?3+?88>+^

    EDEE ec| 1>+>?+?88> rd Adk zn| f mr ded rda ax re bec rdik r ada re

    bec clnk adk gdad dec q bec mr gdke rle q bec zk ma ad z rdl clne

    edr ed rdik rdn rdye zl ecy|e ra dke r a ca fe fl%

    Adk zn| rly bec f ded rda ax re bec& rdik r ada re bec clnk adk

    gdad dec f aa a ede& d cln ed mr gdke rle q bec zk ma ad rly

    bec rkec mr rdl clne edr ed rdik rdn rdye zl ecy|e ra a dke r a ca

    fe fl%

    >%?%1 a lm an AZRB%Ae a zk ma ad q bec ze& re bec a rd adln rded adk zn| gled bkned

    z adk zn| rly bec% Bk & AZRB aec f mr rkec edec fkl ded re bec an

    ece dec z mnec | edec a lm an dkr ec re bec el adyec& ry| edle

    aec mnec edec a rec lec%

    ^y| m& q fec gdke zn|0 Gdad dec ma rly an AZRB ad |y f aa

    a ede& d cln ed a edy ay zn| ze xda z ma ad rly bec% Rdec rdec aa

    gdke zn| a edy ay ze gdec fe% Bk z|& aa gdke zn| a ~y| m ed edec q

    fec aa gdke zn| rdec edly z n bec%

    Z gdad dec0 Gdad dec ma rly an AZRB f aa a ede& d cln ed

    edec ecl a edy ay myn qm dec dn zr adr& bad z% edm eec ank ma

    qec ad gdec tyr xdr r ma ad gled bkned%

    Rdl de zn|0 Aa gdke AZRB rdec f ece z ryec de bk me zn| a

    cl r ed z l k ank%

    Ecye r e0 Ecye r e ad |y an gdke zn| rly bec aded f rdy

    edx an ecl l zn|% ED rdec tim tr ma rdy edx rdec ty|e an GD n

    ~y|r ed adk zn|%

    Adl xd dkr ec0 AZRB rly re adl xd de qk zl adk zn| rdec ml%

    Bk AZRB rdec a ~y| m ed edec q fec fl fe& l a& rdl clne zn| rdec

    gdec bl% Rdm zk rdec rle z gdad dec gdec | & gdec aded ta dke

    rke% Bk zla rdlr fx& ~ye f& glm qkr rec me zn| re r edly aec qa z

    rdl clne an ae o re bec aec ed an ece dec% Ece dec xdl mr edly adl

    Qled zle rda rx0 Ol Rd Rdy Dkl 2Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    9/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    xd de r gdy rlx ede d q& rdm ed gdad dec& e gdy cll ece z rdy dl

    e%

    Z l k0 Ma l k ank de aa gdke zn| rdec ml bk ecye r e

    an ecl l zn| xd rdya ad |y z rdy edx rkec rec fnl an d7 bk gdad decf a ede& d cln ed rdec o ed dec zk ole ec an ady g gled r& ey gled

    r rec rec med edy ay adl adk rly bec q ank de7 bk dkr ec gled bkned an

    bkned ecdlx7 bk q a or rdec t| n zl a ede d cln ed dka bk r aad ecl

    zn|% Ry| a rl qe m ok edec l gdl rl qe aec gdec dke rke rkec

    qad dka gdec ne rke% Rl qe a rd f xdl xdx dka a bec m ok

    adk edec gdke zn| gda& dka rkec ble cll rn

    Z fl qyr0 Bk adl xd dkr ec AZRB fe edy ey re ee fl qyr

    AZRB ank m ok fl edye an ece dec% Mr gda& fl qyr AZRB gdec fled

    dkr ed aa gdke re bec gda% ly e| f bk aa gdke re bec rly bec rdec

    a l k ank edr rkec bned ma adk zn| an ece dec%

    Z fl edye0 n q gdad dec zn| rly bec z ma ad ax oad& mye

    q dy dec dn z q bec dkr ec ecn| rkec rdl lm dle rl& m gdke zn| rly

    bec rdec rkec rdl clne zn| ece ee d b bec adx ede zl mr ma fl qyr

    ank de% Q fec AZRB fe& fl qyr ank ee fl edye e mnec fl f gd fe% Gdk

    qr an rx ke r ze OAC aec adk rd| ma b AZRB ad adlm 18)- 19) rec be edec rk n re :8) fl edye adk aa EDRM dec y ady %

    >%?%2 Xde fkl adk zn| rly bec%

    Ae a zk ma ad0

    Adk zn| rly bec a r%

    Adk zn| rly bec gdec a r%

    Ae a zk ded rda m ok rle zn|0

    Adk zn| rly bec a am a rl qe%

    Adk zn| rly bec a rd adx%

    Adk zn| rly bec gdec a rl qe m ok%

    Ae a rdik rdl de e r e0

    Re bec ece de%

    Qled zle rda rx0 Ol Rd Rdy Dkl 9Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    10/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    Re bec ryec de%

    Re bec bl de%

    Ae a zk xdec rda dke r0

    Adk zn| rly bec r cx%

    Adk zn| rly bec a r rdik led g%

    Adk zn| rly bec rye dke%

    Ae a zk ecye ca r e0

    Adk zn| rly bec cle rlx%

    Adk zn| rly bec ra rlx%>%?%9 Znl r an adk zn| rly bec

    AZRB a znl r r fe& e gdec ad mnec fl fl edye r fe adk aa Ece

    dec& rle ad m ecl rly bec a q bec m ae rk n edy ay rda q gad

    rdad qe tyr xdr rle% Ecdlx z AZRB q f mr adn gdn clx adk ee gled r

    ea rn rdkr gdl gdec dkec rl aded edned adec%

    l zl ecl rly bec0

    Bk ee gled r dec dn ec| aec a m ec z xdr rle ee edy ay adlrly eec ank l qec zr adr aec ed rled rde an ake ecl aec ec| aec cln

    rec% a olr f rkec red ded AERR oec e ed dle en| rd zla q bec re bec

    ~yn Ece dec z rdned rke le r aec r ee rdye rle z dle l de% Zla

    AZRB an aa Ece dec dle en| xde ek x ec fl a edec edy ay ax

    rdlr | an GD% Zlr Enm& xde fe ecl be ze gdec a gd eec adl r

    a dr edec edy ay m d mkec mye rkec rdl lm dle rl bk aded

    edec dkr ec AZRB clx ecl rly bec a dec aa rle ad mr aad

    edned edr oec aad f d ad xdl r mr gdke rle ed de edly qk zl cl an qe

    xdm z r be rdik edec gdkec rdl clne ta ed rdn| z xdl r mr gdke rle

    fe ecn| fa % ly e| r dx zl edec ecl a ma rdy edx ryec oed& adlm

    n q rkec t dl%

    l zl ed qe tyr0

    Gdec ad ecl rly bec ml a dec fl ad ra rlx r AZRB m aa

    ed qe tyr aec a dec fl r dkr ec e|% Gdl AZRB r ee xd ole rd

    dkr ec oe dec z bkned rdy an aa ed qe tyr aec cln rec cx xde fm rec

    Qled zle rda rx0 Ol Rd Rdy Dkl : Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    11/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    fl edye& clm fec dec re gdk ec rdl rda | ~y red fye ady|e dec dn&

    eec ank gd eec aed rned& m ec qe tyr adk ed ayec ax%

    l zl EDRM0

    Zl ada eec ryec clne re bec re rd rec rl aded& EDRM dy| ec

    ze z adk zn| dec fl edye f zla aded fad fl qyr% Rkec gdl fl qyr AZRB

    gd ank ee fl edye rdy a r dkr ec e| f r fe% B e AZRB ryec oed

    aa ece dec y r ady ad adlm gdkec r 18) e 19) rec b e edec fl

    edye adlm e :8)%

    Ec| en| rkec ol aed aed rned cn| cr cln aa ece dec rkec ea fe

    eckl ea& aa EDRM gdec ecec dke rdle dkr ec z eec ank rd xde& re

    bec rly bec f mr rkec edec ma rly ~yne rec m aa ED nec dec e bk

    edy ay n bec& rd xde rlm eec z fl edye ank%Z z| AZRB cx xde fm adkaa EDRM ec| aec dkr ec a dly ~y de%

    Ry| edle& dkr ec AZRB rlm e edly l k% Rkec AZRB& q fec gdad

    dec fe edec ~y| m ed f bk clx ED xde re a l k%

    Eckl n& AZRB ae clx ED m ec ~yne d zl GD r fm cln rec rd

    xde z rec gd eec dy| ec ze& fl ad r zla GD q rdm aa bad z gda ed

    rdned rke& ady|e rle& rd

    l zl ee gled r& t dl0

    Dkr ec AZRB clx al rdle& eec ank l qec zr adr z rled rde an t

    dl% Aa ~yne d rl aded rkec t dl r ee fed med de% Z b ed dle rec

    adk zn| eec fl q clm or& red ded rl xdm clm or%Dkr ec AZRB a ra

    bec gad ay ee gled r& rec qe fec& m ec qe tyr& rk ly gle rda |

    rec rec gled r% Z fl ad de dr f AZRB q rk n edy ay rda r%

    >%1 Aa ede r ed dec e dkr ec AZRB

    Ec| en| aa ece dec rdec ml aec ec| aec ad rec edly de zk

    AZRB% D d| zec dkr ec e| q mnec fl ecye fl edye fe edr adk d% Ry|edle dkr ec AZRB mnec fl dly ~y rr edr rd d ae xdl xde rad g fec

    edec ede r ed dec rad aa aec ed rly aa e dkr ec AZRB% R n

    n adle fa& edec ole xdx a rd xdr rle% Aa |y r ed dec ra rlx rl

    dkr ec AZRB f oe rde ece dec& aa ede r oe eckl gdad dec $ gdad

    dec& ml rec gled r - t dl%,%

    >%1%> Aa ede r ad ~yne

    - ed dec xdr rle an ece dec f ly gle rle ~y|r xdr rle

    dkr ec AZRB% Ey rkec g dkad xdr rle an med aa ece dec gdec ~yne

    Qled zle rda rx0 Ol Rd Rdy Dkl 3 Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    12/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    rm e dkr ec e| rd aa GD a edy ay z AZRB aec q gdec a ~yne rm&

    adm qa% Eca fl ey EDRM mye xdr rle dkr ec AZRB rd d q n n

    edec adle fa a rd rdy dr edec ecl a edy ay e zl med% Z gdl

    ayec ay q a ly gle rdye fl cx edny aec a ecdn f AZRB q a edly a

    dl xdr rle%

    - Ze z aa dkr ec gda an ece dec q f mr rkec edec |y r a

    aa ed fed k ED tim tr gdl n aa ~y|r ed rkec a aa ~y|r ed z dkr

    ec AZRB% Ze r a an ED aec fe rd ED aec a gd eec rda dle edly dkr

    ec bad z%& rec gd eec aed rned zl aa ED& r ada gda% Rkec gdl ED dy|

    ec a mr gdl fec ze bl bk adk xdx ED y r adk aa bned ma m ED

    ~yne rm de rd AZRB q a a dl xdr rle de%

    - Q fec& k a& red aa ae o re bec aec ed dec gdec ed rladr fec AZRB an aa EDRM% Ey aa ae o re bec b cll e m| m gdec

    a k a ecd ecdlx rd aec z cl r%Z fl ad a ede d qe qec fm re dl

    e fl ad rx rd an ece dec% Edec k a gdec rdl adn & ae o re bec

    xdl a red ady|e me ank& red l dly olr qy ec rd ml rdm ed aded

    ta GD z b e zn| ze& r n n aa ~y|r ed ec e% De en ae o re

    bec m a ml ~yne d ec rkec t dl aec a rd rdy dr a edly gdad dec

    de% Ece dec xdl a q fec ae o re bec dx f& xde aec aec zla a rd

    a rd xdr rle gdec ad adr fec dkr ec AZRB m rr a aa aec zla gda%- Red gdkn da aec ecd an aa EDRM f xdec rle dkr ec an

    ece dec ec| aec xdr rle z rle o de& rlr glm rdl clne z aec qa an ake

    ecl& rdye rle& dle l% Bk ed dec r edly e adr fec AZRB%

    >%1%? Aa ede r gdad ~yne

    >%1%?%>% Ede r rdya z gdad dec

    - \y r ~yne rec dec y& ~y|r led e dkr ec AZRB f |y r gdad

    dec% Edy ay rly bec an gdad dec rda q rec fe z d rda q mye ole edy

    ay rded dle rda rd dkr ec AZRB ml xdr rle%

    - Ma rdy edx rdec ty|e an GD aec fe rd gd eec r e an GD aec

    ank%Rdik AZRB aec a gd eec xdr rle%

    - Ze dn rly bec an be a aec ed dec e AZRB% Ecl Zlr Enm

    rdec ~yne elm l zn| f oly dle q rec rdly& f rly tl% Edec cll r dle en|

    a q rdn| l z qy| ecd z ty dec% f q ady|e bad r ty dec rlr glm

    qnec dec rd aded ec% Bk dkr ec AZRB xdr rle m ec ~y| m zk

    rdl lm e| f r rdad dx z a edly fl edye%

    Qled zle rda rx0 Ol Rd Rdy Dkl 4Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    13/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    - Rl qe m ok f ec oya xdx f clx adk Ece dec de ad l k% Bk

    ede zle rdm ed RQO xdl a red rdm ed ank% Z RQO aec xd rdya

    zk q ryec rda an GD%

    - Ze dn l zn| an ecl l zn| aec f mr |y r gd ~yne rec% Ze dn

    rd dle eec fa xdx f z ma re edlm%

    - \y r ede gdy da aec f mr |y r xdl ~yne rm% Gdy za a be q r

    rd ma rly bec ed D El& RX D Ad Mled& Eec q ank de aa gdy

    za gda%

    >%1%?%?% Ede r rdya z ml rec gled r t dl

    Rkec ml rec gled r t dl a edly |y r ed dec e dkr ec

    AZRB% Ece dec xdl xde rad& em or a aa |y r e| n n edec ed

    dec xd dx%- \y r gled r t dl0 q ole ec an ml rec gled r ed dec med m

    e dkr ec AZRB% Mr ee gled r fm xdr ank mr e ed rd ecl be q a ty

    dec rlr glm de rly bec% Eca fl mr ee gled r e ed f ml rec f

    rec adk zla xdr rle dkr ec AZRB%

    - \y r ze dn t dl0 ml zec& ml gdy za a mr ee ze dn& rx ~ye

    gda edny bk q rly bec aec gda edny% Ecl mle Oa a ty dec rlr glm

    de ecl mle Enm%

    - \y r aed rned0 Qa x aed rned rkec ml ged za AZRB l zl aaEce dec ec| aec cln rec z cn| cr de% Gdec ad a q aed rned rkec el o

    eced m ae a q aed rned an aa aec r| rl aded& aec r| ok dlm& aa rx ke

    oe f% Edr f zk rdl lm e| Zlr Enm nec f ad e an edec rx ke Ece

    dec& rx ke oe f gdec f%

    - \y r gdkn da aec ecd0 D rdec g rdyr ece dec xdr rle clx gdad

    dec z a Ece dec a edly rdye fl% Zla xdr rle d rdec rd rdned rke& rd re

    bec q clx zla clnk bad a ble n edned adec z dly ~y%

    >%1%?%1% Ede r rdya z ml rec xdx f

    Ede r e| ra ec qy ec e dkr ec AZRB an aa EDRM% Ml rec

    xdx f ra ec e red rr r& red e ed z rk ly gle dkr ec AZRB a

    ble n rdec qyr& xdr rle zec ada& de ad edec a l a rd xdr qled%& re dl

    e fl ad an aa oe rdnm cln ~yne d re bec z rdm ad e fl ad ~ya cln&

    edly ea& a olr f aa ea xdr rle a Fyr re bec rly bec% Fx xdx

    & a rd& dx f& ge g7 ded xdx& r xdx ecdlm mled z clm aa ~y| ed m

    Qled zle rda rx0 Ol Rd Rdy Dkl

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    14/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    gdec ae rdlr q rk ly gle rdye fl adk dkr ec AZRB an aa EDRM xdr

    rle%

    >%1%?%2% Ede r aa aded qad an Aded xd

    Ey Aded xd a edec ole xdx rad aa gdy|e gdad dkr ec AZRB rd

    | f mr ly gle rdye fl xdr rle AZRB an aa aa EDRM edec ey Aded

    xd a ole xdx glm ad z rdr adr aded qad m ec AZRB rd ecl zn| ze

    fe Ece dec q aec zr z de rda dle zl a ad& rd ra& ~y| red& ly

    gle% gdl zn|& bk c| gd gde& re gm adk aa EDRM% Eckl n aa aded qad&

    adec red gled r ed aded qad rdy rdy edx& aded qad y l fl qyr zl ma

    rly tn l clm ecdk z aec oec t dl& rk q xdr rle ae l cln eec rde

    z rded rd& cln aa zec gled r zn a ecdn r ece gdkec aad cly ecdk& zn

    f ly gle eec ank mr oec be r% Dka Ed ea n n aa aded qad recaec y r& gdy|e gdad y r rkec ea& rdy dr y r ea eckl ed d re

    fl qyr adk zn|& clm aa rd ra m adk aa ed y r& clm rdy adk aa bkned

    ecdlx ml rded fx mr mr edm ma rly xdr rle gled r& rec CBX& mr mr

    fm clm rdr ecdlx& rec rdy edx adk ecl fnk ec& rec gd eec rl aded z bk

    fm rec ma qec adk ecl be% Edec |y r e| ra mr dn| fy bl y ed

    dec e ma ay AZRB%

    >%2 Eec ank adr fec adk zn| rly bec an EDRM%

    >%2%> Gdl elmAdr fec an aa gdke adk zn| rly bec an ece dec rdec ml rd dle

    dly ~y q bec ze an ecl zn| rly bec%Gdad dec q bec ze zn| ec ma

    ad& r a edy ay rly bec rdec ~yn q rl r an ece dec%Adr fec adk zn|

    rly bec rr clx ece dec rdy dl a ca z fl& o x adl xd z rdy a fl

    edye% ly e| a ecdn f ece dec zn rk n dly ~y gled r fl rk a dly ~y

    t dl&ra ec r rad aa rl q xdr rle gled r% Ry| edle& zn| ze ED ze nec f

    gd gde fe anecl rly bec% Gdec g ecye ze zn| rl ED& rdk me z eec

    ank edy ay rly bec& ecl rly bec rdec xdl zn| me r edec ecye gdec

    aded rda% Ecye ze e| mnec red adx z& gdec e ed& z adl xd ank& c| ed

    dec rl l qec ecl rly bec& z ra ec ty e ee gled r% Aded z z|& ze

    ~yne rec dle en| f fm rd ek e eec ank adr fec AZRB an EDRM%

    Eec ank adr fec AZRB f zla EDRM al rdle dly ~y ze zn| rly bec

    an GD a ede adk ma ad rly bec& ~yn rdy dr rdm edly GD e zl ED%

    Eec ank adr fec AZRB oly dle q cln rec rec b e& rec bkned q adk zn|&

    clm r f e ~y de& rec rec q fec GD a zn| ze rl EDRM%

    Qled zle rda rx0 Ol Rd Rdy Dkl >8Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    15/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    >%2%? Aa ad rly ed cl adr fec AZRB%

    >%2%?%>% Ad rly b e%

    B e adk zn| z bkned q adk zn| l zl aa gdke zn| rly bec0 B e f q

    rle m ED nec adk zn| zk rdl lm ayl g% Bkned q adk zn| f rec q rle ED

    adk zn| n rkec g% B e f ad rly rad fy ~yn aa rdl g& red rdik aec rda0

    BEAZ g e| = BEAZ g ra ' BQAZ rkec g - BQ rdy e rkec g

    | f ad rly xde ed edr adr fec AZRB an ED% Ey b e AZRB g

    e| fe de g ra& dka bkned q adk zn| rkec g fe de g ra& a rd gdec

    ed ec& adr fec AZRB nec a eec ank%

    Qled zle rda rx0 Ol Rd Rdy Dkl >>Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    16/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    >%2%?%?% Ra rec rec b e AZRB%

    BEAZ g e| BEAZ g ra

    BEAZ g ra

    | f ad rly xde ed ra eec ank adr fec adk zn| an ED edned dn|

    adm% Tim tr rkec edly em& r f e| adk olr ra rec dn| clm% Ey ed

    ad rly rec be ~yn aa em rd a rd rd| ec ra eec ank adr fec ec| aec

    rec% Ry| edle& gdl q bec ad rly e|& ae xdl gr dx zl aa ad rly gda rd ml

    r n a gr fye ec% Ey ed ra rec b e AZRB ed de qk zl aa edm

    adk zn| gda rd gdec rd el ec adr fec AZRB a eec ank%

    >%2%?%1% R rec b e AZRB re rec b e adk zn| an EDRM%

    B e AZRB

    Rec b e adk zn| an EDQ rec fe an ake q e| rd dle adr fec AZRB a eec ank%

    >%2%?%2% R rec rdy fl r AZRB qk zl rec fl rdy%

    Rdy fl r AZRB t >88)

    Rec fl rdy

    R rec e| rec fe ec ecdn zl rdy edx r AZRB ec| aec cx xde

    ~yne rec mnec fl fl edye adk ece dec z dkr ec AZRB ec| aec dly ~y%

    >%2%?%9% Ad rly z e ~y de rly bec%R f E ~y de xde ed q b e ca z fl ~y de m adn rd rdy dl

    a% R f e ~y de ank adec r adr fec adk zn| rdx z eca fl% $Clk red

    Ece dec rdec ml& RQ Ecy|e Ze Rle,%

    Q b e ~y de

    Rec b e

    >%9 ecdn an zla eec ank adr fec adk zn| rly bec rl EDRM%

    Zl ~y| m AZRB ed dle en| an Zlr Enm rd ze ae ~y o qk zl edecea xdr rle& aec ed adn rec tec zl rlm eec xdr rle an r ea rn% Bk

    z| m ec ~y| m AZRB gdec edec eec ank gd eec aed rned a zl

    edec Ece dec ea eckl m ae x ec a edy ay be a%

    Or g mr dkr ec ek aec xdl a dly ~y& edr f rkec fed za gled r%

    Dly ~y ank gdec ad mnec fl fl edye fe adk ad bkned ecdlx m ae rec gd

    eec ec cx adk ee gled r% Edly bkned ecdlx fm e gm dly ~y& gr dx zl

    edec rd ad& aded qad& xdx fyr an Ed ea q n Zlr Enm rn xdr rle z

    gled r z e led z aded r%

    Qled zle rda rx0 Ol Rd Rdy Dkl >?Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

    Ra rec rec b e =

    R rec b e AZRB =

    R f e ~y de =

    R rec =

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    17/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    ADEC LL

    RDA R_EC ADR FEC ADK ZN\ RLY BEC

    RL ECE DEC R * XR ADL EDED ECD NE

    ?%>% Rec ~yne z adl eded Ece dec R * XR Ecd Ne%

    Adl eded Ece dec y r z Xdr rle Ecd Ne f e z ra rdya Ece

    dec y r z Xdr rle Zlr Enm& a rded fx ec| ?:+89+>?+ > ,

    - Adl eded Ece dec y r z Xdr rle Ecd Ne $ R rdec >?+>4888 gdad dec f a ede a clnk bad rle cl rlr glm& g xdly&

    rl xdly

    ?%>%>%A ay r ada

    Adl eded EDR * XR Ecd Ne a r q aded rl ?>:& F Bye& RX Zled& red

    Ecd Ne% Red e ayl em ?8>8& m ded r ada an Adl eded cm0 Dl q adl

    eded& 2 xdec clnk bad $Dy|e Ble Ady& cn Zled& ad Zled& ^ye Oed, z ? ~y

    rlr glm $q 1& Xdec D Dy| Rx,%

    Qled zle rda rx0 Ol Rd Rdy Dkl >1Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    18/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    Q >0 A ay r ada an adl eded Ece dec R * XR Ecd Ne%

    Rec q ae o ede zle an Adl eded Ece dec y r z Xdr rle Ecd

    Ne f >31 ecl& rkec a >9: ecl a red l da z re l da rec ec

    zl 2Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

    Gdl ~yef l k

    Gdl^DGD

    Gdl raecdlx

    Gdl ~yef el o

    Xdec~ye fl k

    Xdec~yne dgdad

    dec >

    Xdecbad zgdaddec

    Xdec gdkadrec dx

    Xdec~yne dgdaddec ?

    Xdec~ye fbad zgdk ~y

    Xdec

    ~ye rre bec

    XdecRdnedrke~ya r

    Xdecrl adedg rke

    Xdec r

    adaede q

    Xdecble rke

    One Clm a

    Gdl rardya

    Xdecclnk badq >

    Xdecclnk bad

    q ?

    Xdecclnk bad

    q 1

    Xdecclnk badq 2

    ^y rlrglm q 1

    ^y rlrglm D

    Dy| Rx

    Xdec~yne dgdaddec 1

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    19/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    Rl Dl q Adl eded Ece dec y r z Xdr rle Ecd Ne a r rl ?>:

    F Bye RX Zled Red EN7 zl >2 xdec one z %?% Rm rr z ~y red gle rx%

    Ec| ?3+:0 e fle d tle gle rx rl r q aded an Adl eded Ece dec

    R * XR Ecd Ne rl n ad q ?>:& ec F Bye& RX Zled& red Ecd Ne%

    Rye >0 Rm dly z Adl eded Ece dec R * XR Ecd Ne 6 ml rec

    fm zla& a ay r ada& fed za dkr ec5 z fn ade rl gle rx%

    Rye ?0 Qny gdl ade a rl rd a xde zk xdec ^yne d gdad

    dec 1 rl r q aded an Adl eded% Or y fm ~yie zl aec zla aded an xdec

    ^yne d gdad dec f aec ra rlx rd z xdr rle ~yne d gdad dec& aec ra

    re bec& rl r b e& aec ra oe qe xdm z bad z ece dec oe fa rl fly

    z am enec re bec& aa ze oe dec be& aa ~y| ad adk zn| an Ece dec R

    * XR%

    Rye 10 ^yne qr aec zla an aa ae o rkec xdec ^yne d gdad dec%

    a xde aec fm r f adk ae o gdad dec rda dle rlx ta zl gdad dec&

    rlx ede aa o d q tle zn|& rdm ed re bec z fx dx ec re bec% Dl edec

    ly adn z ~y| red rda dle ecdlx z adk zn| rly bec& tle rdm mr q rl

    fly& q fly fle ~yne xda z adk zla zlr ok ak%

    Rye 20 Tle rdm edec rl fly ae rdlr& dke rded zla zlr ok ak%

    Ec| ?2+30 Tle gle xde dl& edec ede tr an rec xdec z edec

    cll xdx ey n rkec ok ak& qny tle adec ede an clm a%

    Ec| ?4+30 Tle ede tr an clm a z ~y red gle rx%?%>%1% Red ded z gr ~y dkr ec gled bkned an Adl eded

    ?%>%1%>% Rec ~yne z ml rec gled bkned r em ?884 e en y em ?8>>%

    Rkec edec em ?884 ?8>8 z en y em ?8>> & d rdec EDRM cx

    edly gd gde ra edec ole ec rl adly an ee gled r rd cll aec ed

    rkec ea% Zl q e fa an Aded xd edm ma ad e e ee gled r z m& gad

    ay gled r& glm ad z glm qkr fm xdr& ee gled r Zlr Enm nec be be dl

    xda% R cl fle ece dec a ly aded xd dx de& ta fx fl ole r cl

    YQB+ZEB% ec rdl Aded xd med rn| x bec aa ole xdx ane rdlx zk rd

    Qled zle rda rx0 Ol Rd Rdy Dkl >9Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    20/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    rec dl kl z ra ec med e rm f cm cl& y r eckl r ae l fl

    ayec ay rd rec% Aa ad q fm xdr& cl a& y r ea eckl zk Zlr Enm r

    gr ~y ec g% Ry| edle& ed dec an cl gad ay y r rdec ~yn d r fl qyr

    ece de rd adk zn| ryec bl de a edec ra ec or fl edr ed& | aa Ece

    dec zk aya yn fl qyr dy| ec ml% De en& ae qr an rd rec zec fle ra

    fx edec ed ml& rkec gdl rd rec adec gdke z or ec qe ad f edec r

    qec ed rk ee mr rd rec rle r gm e ed& red rdned gdke an aa EDRM

    clm qr% Dkr ec re bec rec rdl o ec ra x fa y em cll ece ze

    gad rdad QTGB& ayl em fl glm qkr rec rec

    Edec gd gde re c| ed dec gdec ed e dkr ec gled bkned

    an Ece dec% Ma b OLBZ fye ad ec rkec dkad ed adle fa& ly ded

    gled bkned fled dkr& edec dy ed edec g dkad r n r y em y xdl lyaded adk xd dx%

    ?%>%1%?% Red ded dkr ec gled bkned an Adl eded Ece dec R * XR Ecd

    Ne ~yn edec em ?884 ?8>8%

    ?%>%1%?%>% Dkr ec dy| ec ze%

    Rkec ol aed ee gled r a edly ble ole xda rx& fm xdr rec ank& ole

    ec cl zec& cl eckl r& aed rned cn| cr cln aa EDRM a olr f aed rned z

    fl qyr dy| ec ze a ed dec ra rlx e y zk an aa EDRM& qkec Adl

    eded EDR * XR Ecd Ne ze rlx ra xdr rle e ed& ecye ze dy| ec zea m ok%

    Qled zle rda rx0 Ol Rd Rdy Dkl >: Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>

  • 8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH

    21/41

    Ok ak rda rx CZDB0 RQ%Re Rd FecOed

    Oec >0 Red ded dy| ec ze rl Adl eded Ece dec R * XR Ecd Ne

    ~yn aa em ?884 ?8>8

    e z0 r ec

    Ad rly Em

    ?884

    Em

    ?888

    Qk qed?888-?88

    ? 1 2 9=1-?:=$9+?,t

    >88)3=2-1

    4=$3+1,t

    >88)

    Rec ecye ze dy| ec >%?>< >%922 ?%8>9 1?9 ?:&3 23> 18&9L%Xde rdik fkl rle

    >%EZ el r?% EZ eckl r

    >%882?>9

    >%?4