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  • Chính Sách Tín D NG

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    Nguyễn Tố Nga
    244 views2 pages

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    Chính sách tín dụng

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    244 views2 pages

    Chính Sách Tín D NG

    Uploaded by

    Nguyễn Tố Nga

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 2

    CHNH SCH TN DNG

    1. Kt qu chm im v xp loi khch hng nh gi xp loi Cng ty cn c theo h thng xp loi tn dng ni b c ban hnh km theo quyt nh s 8598/Q-BNC ngy 20/10/2006 ca Tng gim c BIDV Vit Nam. C th nh sau 1.1. V quy m doanh nghip

    Tiu thc vn kinh doanh : 25 im Tiu thc doanh thu thun : 20 im - Np ngn sch : 5 im - Lao ng : 12 im - Tng im: 62 im Kt lun: Doanh nghip c quy m trung bnh 1.2. -

    nh gi cc ch tiu ti chnh

    Kh nng thanh ton ngn hn : 4 im Kh nng thanh ton nhanh: 4 im Vng quay hng tn kho : 1 im K thu tin bnh qun: 4 im Hiu sut s dng ti sn : 1 im N phi tr/ tng ti sn : 4 im N phi tr/ vn ch s hu: 4 im N qu hn/ tng d n ngn hng : 5 im Thu nhp trc thu/doanh thu thun :5 im Thu nhp trc thu/ tng ti sn: 5 im Thu nhp trc thu/vn ch s hu: 5 im

    1.3 Tng hp kt qu im v xp loi doanh nghip Tng s im nh gi v mt ti chnh ca doanh nghip: (1 + 4 + 1 + 4 + 4 + 5) * 3 + ( 5 + 5 + 5 ) * 2 + ( 4 + 4 ) * 1 = 95 im Kt lun : Doanh nghip c xp hng vo nhm BB 2. Chnh sch v cp tn dng

    - BIDV p ng ti a v kp thi nhu cu v tn dng i vi khch hng trn c s phi m bo gii hn cho vay, bo lnh ti a i vi mt khch hng, nhm khch hng theo quy nh hin hnh. + i vi cho vay u t d n: BIDV p ng ti a 85% tng mc u t ca d n v khch hng phi c vn ch s hu (bng tin v/hoc hin vt) tham gia vo d n ti thiu 15% tng mc u t ca d n. + i vi cho vay vn lu ng, cp bo lnh: Khch hng c p dng phng thc cp tn dng theo hn mc. - Nhm khch hng ny c xem xt khng b p dng cc chnh sch hn ch trong vic cp tn dng i vi cc lnh vc, ngnh kinh t m BIDV khng u tin pht trin trong tng thi k.

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