QUY TRÌNH CHO VAY 2006 SHB

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-
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Ed thi hdntt".
-
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cira
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(V/v:
Ban hdnh
euy
trinh
cho
vay)
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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
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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
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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
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dinh
sd'1622/200UeE-NHNN
ngdy
3I/12/2001
crtaTh6ng
d6'c
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hdng
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Cdn

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

DINH
'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.
' NGan
uAnc
sAr
con

-
r{A
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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
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MINH
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Gic
bry0c
thwc
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Thwc
hi6n
Chirng
tu
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ra
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4
I
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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 thi
vui
I
rrvl!/
\r rt
a
Gqi
di6n
thoai
xin hen
vcyi

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
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kien
khach
nr
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dd
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khiich
hirng
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ou
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tin
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ket

qud
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,
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thdm
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thi
khach
hang
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cong
tdc
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th!
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
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.
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phAn
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tin
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tam
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vd dang
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c6c TCTD;
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trong
quan
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voi
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tin
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dai diQn,
v6n
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Trong ngiy Phi6u
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:
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kinh doanh cia
kh6ch
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phucrng
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6n xin
vay v6n;
vir khd ndng
hoin trd
no
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co th6
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hien
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lam cho
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khong
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qu6
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thAm dinh tai
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nh6nh
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hang co
di
riieu
kiQn
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ro
trong
cAp tln
dung
cho khdch

hdng;
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cAn
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frqp
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nh6nh.
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tin
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thAm
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xudt
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tin
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vong
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tham
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tfn
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a Chuydn
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trinh
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duyQt
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bin
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ch6
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h6 trs
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:
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va
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Thu
tiOn
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no
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va l6i vay
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kh6ch
hdng.
-
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Ldnh
dao
kV
chung
tu
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dich
vU
KH
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ngiry

Ti6n
mdt
hodc
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rq vvt
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va
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ai
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c
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z
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vqr
KH
/l
-

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cho
Phong
tin dUng
dahh s6ch
c6c
kh6ch
hdng
con
ng l6i
vay
sau
ngdry
25
hAng
th6ng.
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dich
vu
KH
D6n
d6c
khdch
hdng
thuc
hi€n
nQp
ti€n
thanh
iodn

l5i vay
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lx.
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Nq
VA
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OAM
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ra
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ng
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tin
dunq.
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dlch
vt.t
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2
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hiQn
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nE
g6c
vd

lai
vay
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h6
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tr va
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tien
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nghi
thu no
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va
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do
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k!.
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i
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qan
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ho
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t
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dung
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2

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ts trinh thAm
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ra
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ki cw
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cia cdc
kh6ch
hdng
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dung
quy
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l6nh
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ph,ong
tfn
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vd th6ng. b5o
cho To kh6ch
hdng
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vong 90
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phong
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tr6ch
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cit cir CBTD thryc hi€n thu
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thuong xuydn b6o cdo lai
tinh hinh thu ng, dO xuAt bign
ph6p
thu no.
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hdng
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phong
TD
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s6ch
khdch
hdng
nE

qfa
han"
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tinh
hinh thu
no
q0a
han.
J
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hdng
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ng
qud
han
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thong b6o cho
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nghTa
vqr
cam k€Vthyc
hi€n
di do,i tai sdn bdo ddm la hing
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vdi
tdi
sdn th6 chAp
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kh6ch
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phong
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b6o
thurc hi6n
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."
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ild
vu
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bdn
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sdn thd
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A
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nhan
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bdo ddm
tu
kh6ch
hdng vd b6n bdo
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thong
b6o.
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tnam
dinh
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bdn
giao
tdi
bdo
tton
Bi6n
Jdt I

uqil l
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O6i
vOi
c6c khoin ng
qu6
han tr6n
90
ngiy
thtyc
hien
ph6t
maj tdi sdn
theo
thoa
thuAn tai hop
d6ng
bdo
ddm
de
thu
hoi
ns
vav.
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thAm
dinh
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Doi
vo,i

cdc khodn no,
qu6
hgn
tr€n
i6^
.
.
'
,
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ngay
trinh TOng GiSm dOc duyei
lhuan
vi
0y
quyen
thuc hien khoi
.'
.;
rnong
Inam
dinh
(,tam
coc
12/T3
I
kien
ben
vay

va b€n
thO
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ra toa
An co thAm
quvOn qiii
quvet.
ilm,:c
hien
cac
thir tuc
t6
tung
tham
I
gia khoi
kien
bsn
vaY,
b€n
thO
chAP
I nao Ianh
theo
quv
dinh.
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'ornn
.:
uiam

ooc
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l-tJU
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1
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thwc
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tuu
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ra
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so
cia
khdch
hdrng
chia

lim
03
nhom:
- HO
so'
dang
th{,}c
hiQn
giao
,
dich.
-
Ho so
tu
chOi
cho
vaY.
-
Ho ss
i6t
todn.
2
HO
so
dang
giao
dlch
dwqc
thL^Pc
hi6n

luu
triv
theo
md
so khdch
hdng:
-
Thtlc
hi€n
luu
tru
tAt
cd
cdc
tdi.
liQu,
giAy
to
co
li€n
quan
d6n
khodn
VAV.
fO n6
trq
tin
dqng
Trw&ng.
phong

TD
-
Bdn
chinh
cdc
tdi
liQu
giaY
to
duqc
lwu
gi0
tai
Kho
qu!
c0a
Ngin
hdng
gOm hop
dOng
b6o
ddm
ti€n
vaY,
Einf'
gia'tai sdn,
giAY
uY
quY6n,
b6o

cao
thAn'l
dinh
tiri
sdn,
bi6n
bin
dlnh
qid
tdi
sdn,
giAY
to
chrlrng
minh
quy€n
s&
huu/s[r
dqrng
tiri
sdn,
bdo
hiem
tiii
sdn
(n€u
co).
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chlnh
Tru&ng

phong
dich
vu
KH
?
.Luu
tr0
hO
so
tu
ch6i
cho
khdch
1
nanq
vav von
-i
, ,
,
,
I o Knacn
hdnq
4 H0 so
tat
to6n
dugc
T0
h6
trg
tln

dung
luu
giir
theo
m6
s0
kh6ch
heng"
H6
so,
niry
phAi
g6m
dAY
d0
tiri
li€u
giAy
to,
nhu
khi
dang
giao
dich
va
pnii
co
ttr€m
qiev
sraleheB

khdch hdnq.
T0 ho trE
tln
dqng
Trudng
phong
TD
13I13