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