giải pháp nâng cao chất lượng thẩm định tài chính dự án đầu tư tại ngân hàng công thương đống đa

Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
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!(!)*+&&%&(,%&-./(
01("2!.3&4567
*+8920:#;"<+<+
=>*?;@*%A%*B!*1(C%B!*
(B&D9EFG+67&<(<*H
&*)G*(7IJ(7:2**
:()*+>5%&)IK(=L59
"2!(1((2M(C12(%A0*+N
0O&0(B&+1(*B!*"9.>P
O"1(Q<
;"9.0!">*B)&
(70>*B/(*(*(8)"
.BFR*>=3&2IBM
=/(S(3%&,1(7T7+"+*R
(1(0(B&*B>7(7*RU
("0?;@%(N(7()0(B
&>7(
*%(MUBJ>+VA:(H
B&**&>MGJJ2(0%(
00FB0?;@8#>I
67&&UBJ(B&0*B(K
1&&O&(70
;(78K&B*&UBJ8
R17W7->TCVBUBJM%
B>7(B!>*B/(7*>
&UBJI(2*B,"XJ
(/(9B>U9MMXJ(

/(9B>B?(/(9>")BY%(79
0MM7-J9%&2J>%&M
V%&(/(9K*KC:#C%
%=>BM2!%#&>U>F2(79;
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Chơng I:Thẩm định tài chính dự án đầu t của NHTM.
Chơng II:Thực trạng chất lợng thẩm định tài chính dự án đầu t tại Ngân
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Chơng I
Thẩm định tài chính dự án đầu t của Ngân
hàng thơng mại
1.1.Hoạt động cho vay theo dự án của ngân hàng th ơng mại
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Huy ®éng vµ sö dông vèn.
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.0*%A2\BJ=*JU1(*
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Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
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wtqx Tv
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999XsqHstx T
lm%(1(01(/5,<*ZF*3
%)9(N07"+(7XUc
00
U2*3\*+S<*
&*<+<"=>M)%UBJM
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+51"%A0%C%(N0(B,&

#"5"+1(G((N0c0M2*
01(X0UBJM0%B%X*R
B*M01(X*R/(0@k
(N0()/(K1)(>0
U/(0;(7(N0X0UBJM0
*B#3I7aK
)(29A>*B
;-./(M#0O*R0%A
0%i0%AUBJ..VAR
.3S2!a&>[U>[*,RUBJM
75B&*RK(1(>*;UBJ
0*1/(0B.VA>I
*+(1992!,E<
(&-*1;UBJM#(
"K%K*B!*%*B%."(/(9"(
F5*B*7"F&29
:()(%&**R(1(:#;(7(*
"3M7%KUBJ(B&I)(UBJ"(=
Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
L$*RA=L<*&*)0(7
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*I(7+h(K "+"GUBJ… 
(B&%A>O%!>*B9#*
IBi"IB*B24BJ+
2007=(<,"+9%&2007M_"%(
>0(B&"%&I*,R(7*?I
-70724*A*U*%U9+.

]R*…
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Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
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0<=1-
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Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
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2"(/(9
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§èi víi Ng©n hµng.
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70F*7"F7:M7B!3.%!
292()24.%i"B%&1(0%(I+*R
29:()1(*B,U%*M

#1( KkA-(12!*+>K
-M7BBYB,A2!<9B#+((
*BFJj%AIU*MK8(0&/(
*B/(S+SBm,,U*9(
>B
;&I%UBJ(ZB&>?;@W24O
=/(K1(:M7B!I9(2O*7"F
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§èi víi nÒn kinh tÕ.
?&UBJ(B&>M"(/(924"*
K%^!UF:#""19/(7&)
&<.%.(%B789
&:#
D*+7(B&249*+*CM
2*99)XM2*1(:M7B!I9"
19MJM2* ,R)*XM2*?,
RUBJMm%"(/(9Io3%4N0%57O
%/(7%A>M8(S>B_0M
+90K9SBm2*2N0>,-
A19)B-%(7UB
Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
+99N02%[=B%#2()UBJ(
B&>M%U*0B_C(
<2\BJ"(/(9,B249F(%#2()&R%%#2()
A/(*&T7UBJM%=67567B
*+(/(9>N0N8M1*
>B99B"(/(9O
&
*%(U7+7M(7*

9LG9**BBM
(N0%+1(*B!*"U9T7UBJM
"167/(*,UJ(0>
;</((77SB!*"FUBJM
%%!&40(7+BFI)(/(0BM8
I)(XXVS<*H
&*_0(!70A(5
/(UBJM#1(*R(*
F<K%?1(*I,RBJ
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+"J(mR%9+A*B(U2(c
*Môc tiªu cña dù ¸n: ;3)J(
Môc tiªu trùc tiÕpcbJ(J+B!*9&A(M
)F9)F
Môc tiªu ph¸t triÓncbJ(B!*"1!J(*
+A:*F&I,*+:#>)
>V_&AJ(!U%"1&AJ(
*+
*KÕt qu¶ cña dù ¸ncb-1(J+A&X*&>
B!*i/(9%(1+&AJ(!>B!*
*C¸c ho¹t ®éng cña dù ¸n: b-<BB!*G
(7+*-(N%!*/(9>B!*@k&>B!*
(%&/(9IR
Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
*Nguån lùc cho dù ¸n: _1(1+B!*
DM%&B!*1(
_+SBm/(9%UB!*M%&B!*1(
M%&"+B!((R*(c
;S/(7<cB!*%XL
;S&c/(0
;ScO(B&*B!*%(B&
;SB(SU)%&XB!*>B
/(M*M%F(0
Theo néi dung cã:
T!*1(c%-B!*)%%/(-91(
G&-296%/(*,29:()8
T!*1(3cG..%!29:()+,*7

M:3BM7(729:()JU()-29
6V%&F
T!*1(M)e(2M(f%/(7<&
<IVR8
Theo tÝnh chÊt lo¹i trõ:
[*B!*%e<"U%&Xf,!B!*7<
%/()7*LB!*[*B!*A%J(
)B!*7"^%*LB!*3-&(N
%!C2!%/("*%W(<< ;(7… 
U%7J(>B!*UBJB!*0B
e(N%!&f%J(e(!,24%FLB!**f
0M,)"<1C39.7%<
,7B!*7%&X70B!**
y(*,,!B!*1(BV(%&89
9/(*&)Fe=K%(,>B!*1(f["("
(,B!*[*<*B(R(3*&
A(1!<%:S01((:(
(GMB1U:*>*/(9R(3*
S
(:$X"1(+:S:$(,%*&1(,B!
*99/(&c
[(6F1( c;&79*<J
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Chuyên đề thực tập tốt nghiệp Khoa Ngân hàng - Tài chính
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A.Thẩm định về doanh nghiệp vay vốn.
1. Thẩm định phi tài chính.
Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
@JU>M6FB70%+:S:$
>1("(7K89.9AM7<
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1((7K>>1("U*<z
nS:$**M>>1(c/(7F%)7$
B/(7F*0*391(N
/(9F(%& _+>B"9.F(*… 
*%(7<
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M*M,
i**-)719*U:*(
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0MCM24<(NA9A7
*%.<"(/(97
2.Ph©n tÝch t×nh h×nh ho¹t ®éng s¶n xuÊt kinh doanh vµ
t×nh h×nh tµi chÝnh cña doanh nghiÖp
*§¸nh gÝa t×nh h×nh ho¹t ®éng s¶n xuÊt kinh doanh.
y(*20%(0**/(7*.>BeU
)%•.3M7f*UBJ9:$*C2(c
y(70(7U>B-.1M7
;,,&29:()B"F%M(BA<ze
%A(B20*R.%A(.z;,,+2*=
Af
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Mz0B"99.3<z;,,2\BJ29

>Bzi".7Bz
_C0296B%!K1(B!*19
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
[(0VMMU.%!U>>1(
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
*Ph©n tÝch t×nh h×nh tµi chÝnh doanh nghiÖp:
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[.R*.920%(,,29:()U>B
/(7*UF'AB(7929**%k
%#9+U)(*20%(,,U*
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z,,*7":3F2zfDMU
(/>Uc:*F*(/>U9.*(/>
B,,!M2*…
(M7%a(J+*UBJ196F
‚i9.!M0U>B+*R*9A
9</(*a(c20A.%!7
;"c(N0">B%0!"
;(N0B2\BJN29A>B

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B"2!!>U
.%!7cb9.:70>B@B
"9.!>U".%!70

‚i9.*>Bcb%A"+"+9*
9ANcA7MA*A*<M

;+)Fi9.*%/(200"
+"Nc;C07C-29"+*(7
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9.*9.*(0V_M7%"a(
(2!5]()>Mo3,</("M"
+A20BBV+*20B9
*
?20(N0">B
A;(N0>B2\BJ
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.%!(N0">B
70g:(7
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Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
T×nh h×nh s¶n xuÊt kinh doanh cña doanh nhgiÖp tõ n¨m
1999-2000
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Chuyªn ®Ò thùc tËp tèt nghiÖp Khoa Ng©n hµng - Tµi chÝnh
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Chuyên đề thực tập tốt nghiệp Khoa Ngân hàng - Tài chính
;6FMU(*1M724"199I23
-O+B!*A1("(/(9IF"9.9AM
So96F7U%I23+*6FJ6
F1/(K);6FB!*1((317M
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7(0=%&
B Thẩm định dự án đầu t.
@kB!*%O:U/(KI,*+>V7
%#@C*B!*A1(24"93<LFH
J+%*(1(**&:()

6(*,76FB!*%)/(K
[*UBJ196F-B(2(
1.Thẩm định khía cạnh thị tr ờng
;F3M7N9F1(F1(296
>B!*F1(1+MU9.()(7
%(B!*eUJf_0-(7%(
UJ1U*B!-A%]+99():(7
*%#U</(*J(()+*F$*
[81:S:$(N()% ""%&S7(1(
>B!*:*F*M093eUBJUJ(<
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9A!*C4K3M7%M(2R/(K
"93!2!&>B!*
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2**296**296>B!**9F7
I%B!*-*9F
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9*
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DMUB!*F%<2RR&/(K_+
"A-**BU:*U&719(17
><"2!A,,!20%(08*U
2*>FI*)%/(
Chuyên đề thực tập tốt nghiệp Khoa Ngân hàng - Tài chính
2. Thẩm định khía cạnh công nghệ kỹ thuật.
DMU/(7<B!*<FG)7A2!VA

>B!*2!(J29682\BJFA%]_**
U-((>B!*_+"+"1(B!-7(0>
)FB!**9/(7&/(9%]+UA
%]>B(*&J:M7B!I9
_M7%<R&=L9"*(7h(
(72M(XU&h(>B!*;6BFC7G9%
M(L%(B!*"+!Ch(7<z@R<
h(&AJ(B!296BFJ
3.Thẩm định khía cạnh tổ chức, quản lý:
_M7%<135+(m1/(K><*
R/(9%])'%^!&B!*1("*
!B!*+2*/(7<&B!* _("=L9
+:S:$20%A)%A%:S"+*R
"(/(9<**UA%]>*7/(9%]U
0=M:3
;6FC%!KF+:M7B!B!*c+:S:$F+:M7
B!:SF+:M7B!B!*"(7<z
4.Thẩm định kinh tế xã hội
_M7%B(*I/(/(9%])/(M:S:$%A
UB!*%&,*0*%AU"(7O
6F806FU"%22*-%AUU
>B!* +*3M7%/(%AUU"
:#c%AU-""!2!>B!*5%A(>/(0
U%-9((N%!!2!>T"
%)7-(X6FU9"-(a)F*
U*( o&"9***17>5*
><Z:SRM7<Y<"+)A
7<9.9*9G2!*+
-
5.Thẩm định khía cạnh tài chính:

;6FUG**9.2%+G*R*
^JU>B!*</(A*20U^(