Luận văn Nâng cao chất lượng tín dụng trung và dài hạn tại ngân hàng Tiên Phong chi nhánh Hà Nội doc

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1.1.1. Khái niệm Ngân hàng thương mại 2
1.1.2. Các hoạt động cơ bản của Ngân hàng thương mại trong nền kinh tế 2
1.1.2.1 Hoạt động huy động vốn 2
1.1.2.2 Hoạt động cho vay 3
1.1.3. Các loại hình tín dụng của ngân hàng 6
1.1.3.1. Phân loại theo thời hạn tín dụng 6
1.1.3.2. Phân loại theo hình thức tài trợ 6
1.1.3.3. Phân loại theo tài sản đảm bảo 7
1.1.3.4 Tín dụng phân chia theo rủi ro 8
1.1.3.5 Quy trình tín dụng tổng quát 9
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1.2.1 Khái niệm tín dụng trung và dài hạn 10
1.2.2 Vai trò của tín dụng trung và dài hạn 11
1.2.2.1 Vai trò của tín dụng trung và dài hạn đối với các doanh nghiệp 11

1.2.2.2 Vai trò của tín dụng trung và dài hạn đối với nền kinh tế 12
1.2.2.3 Vai trò của tín dụng trung và dài hạn đối với hoạt động của Ngân
hàng thương mại 12
1.2.2 Nội dung của nghiệp vụ cho vay trung và dài hạn 13
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
1.2.2.1 Mục đích cho vay 13
1.2.2.2 Đối tượng cho vay 13
1.2.2.3 Điều kiện cho vay 13
1.2.2.4 Thời hạn cho vay 15
1.2.2.5 Hạn mức cho vay 15
1.2.3 Chất lượng tín dụng trung và dài hạn 16
1.2.3.1 Quan niệm về chất lượng tín dụng trung và dài hạn 16
1.2.3.2 Chỉ tiêu để phản ánh chất lượng tín dụng trung và dài hạn 16
1.2.3.3 Các nhân tố ảnh hưởng tới chất lượng tín dụng trung và dài hạn 20
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2.1.1 Sự hình thành của bộ máy tổ chức 28
2.1.1.1 Sự hình thành của ngân hàng Tiên Phong 28
2.1.1.2 Lịch sử hình thành và phát triển Chi nhánh Hà Nội 29
2.1.2.3. Môi trường hoạt động kinh doanh 29
2.1.1.4 Các sản phẩm, dịch vụ của Chi nhánh Hà Nội 31
2.1.2 Cơ cấu tổ chức của chi nhánh 33
2.1.2.1 Mô hình tổ chức 33
2.1.2.2 Mô hình chi nhánh / phòng giao dịch 33
2.1.2.3.Chức năng nhiệm vụ các phòng ban 34

2.1.3 Tình hình hoạt động kinh doanh trong 3 năm 2008, 2009,2010 38
2.1.3.1 Hoạt động huy dộng vốn 38
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2.2.1 Khái quát chung 47
2.2.2 Thực trạng tín dụng trung và dài hạn tại ngân hàng thương mại cổ
phần Tiên Phong 49
2.2.2.1 Khái quát chung 49
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
2.2.2.2. Tình hình cho vay trung và dài hạn tại Chi nhánh Hà Nội 53
2.2.2.3. Tình hình nợ quá hạn 56
2.2.3 Đánh giá chất lượng tín dụng trung và dài hạn tại ngân hàng thương
mại cổ phần Tiên Phong 58
2.2.3.1 Những kết quả đạt được 59
2.2.3.2 Những tồn tại 61
2.2.3.3 Nguyên nhân tồn tại 62
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3.1.1 Mục tiêu phát triển của ngân hàng 64
3.1.2. Quan điểm chỉ đạo hoạt động tín dụng trung và dài hạn của Ngân
hàng TMCP Tiên Phong - Chi nhánh Hà Nội giai đoạn 2010-2014 65
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3.2.1 Cải thiện đa dạng hóa cơ cấu, loại hình cho vay trung và dài hạn 66
3.2.2 Thực hiện tốt công tác khách hàng và mở rộng tín dụng 68

3.2.3 Nâng cao chất lượng tín dụng trên cơ sở nâng cao chất lượng thẩm
định dự án đầu tư 68
3.2.4 Tăng cường kiểm tra tín dụng 69
3.2.5 Nâng cao công nghệ của ngân hàng 70
3.2.6. Luôn luôn dự báo các rủi ro tiềm ẩn trong tín dụng trung dài hạn và
chuẩn bị các biện pháp phòng ngừa hữu hiệu 71
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3.3.1. Đối với Nhà nước 72
3.3.2 Kiến nghị với ngân hàng nhà nước 75
3.3.3. Đối với Khách hàng 76
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SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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B&G$P
O '@Q(B 7$44R 7G2:19
52;PD2GC>67.=
7<2G?P8(SRG
B
T/0-U(467'87A
@.2VC(&87 'WD/01232= (6
72,.7.D2&(7G.2:
19OR '2=0#2=&X
 c
)=KM@
#@2QPB

#@6T@A
 
#@W5\RR
 
V-Y2:O= ,5C770#;69
8R$7ZP+ '+.//OB*@7'.781
232R9OR,H 7$40# ,7B
[\>
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính

#3452
7%"5815)9%9*:;#<3=5
7%"5815)9%9*:
2$2$> ?@A
1.1.1. Khái niệm Ngân hàng thương mại
2+!2R('O$^= 7(=_`4
&8'-=(. ' ^-DS@
2G$8(-DS@B
)& #67a]bc]d?2:2DFe&
P\@('/f=(!\ '&#=C68
1-4<E7.V-74<7/g-S '
2O@"$7(S=+^ .@-S@hB
_Q(.9i #<@-S>]>j)= kl2:\72D
&<@-S&-(2G-
=(.&-DSG- #=g/g-S=g2R^
@-S. ^7-DS7m$7&4<@-S
4m&G<-=(2G6'+ !
\ '&#=g67$7($>/g-S/,=
2O2R'.0(7(S+^ &(7mB
IP#2D$OR^'&G$P2D+@
2V$& ^2-7-DS@(SC>&
#=g.' <7-DS7B$.n
 ^= -DS7o>:,2  =/>p-DS
6\:GB
1.1.2. Các hoạt động cơ bản của Ngân hàng thương mại trong nền kinh tế
1.1.2.1 Hoạt động huy động vốn
'2;&2G/&!.-2O72:4
+"72R '2G2;=BG$P KH $2O& '
2G=$7=g+(67Bf-D
S#=g2R^PG!O=+$>212:E+B

SV: Nguyễn Thị Hòa Lớp: TCDN 49B
k
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
$ G$2R '28=g6747$>
7&:/ ^=gGf7=(
/q/'/&;@64B$&D/g2:O= > '
2G&:/ 7OP&1&]rs']bsB
OR '2G,I=  K7 =I
&-'2'72RSS  6B
1.1.2.2 Hoạt động cho vay
'I!tC2 72:+^ +
0+&'2,!C7BL 2O'$0+
71"O,2R -P$02R OSS/>
\ ^-B
2G'6K
u' -Y
$22  +78@0'2,
7G24.Cf4"$o' -Y$6$3;BL0
N$' -Y/0$$'2:7
! -YG7=NBL +$+
& -Y2:$fG$P2G@-SN$f
^f7$R
u$;-07
'$ '=,&'57?v
&0$('$ -.$;'\'-07'7
$R8(G/,n'2R2 2^2C^
2G/>.<7B
u>H >/>G
70((& P^'!O7
/>77$wBPGP/>@.^'

!O7+C>2$C@# #(7.
7&:<7
u ^7>-D0(7
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
M
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
*7g=.8xC>H >
n0(7&($>7B7H 2:f
2 78-Y=V.<&!g=8>2+
2R&^'=x>+^'$>7.7
=2+/y#2;=IB7(@678
-Y=Va.O.@\7(&;.+(@d2:O
$15!- #7C>
B*f77.76
2;f$G.= (@B)= '2: '+@7
g=2R!7GBY/07$R6
8(8C7R<7//w.6'(.!
 .iz{B):7$R74<77|.2(BB
u >&EH `
7f>P=6&7-(
= 7B!2O!O,&(}Vy= 7
BTO(,G/,2: ^7
-DSH >&EH `$2O^#( G8
'2O @-DS.Q-Y=2O2R2 @-S5
2+72w^7>=
u$;2G6@6
*>N '2G'2:$f$ 1E6@6B
T   &!^C7@6! '2G6
'+ I7B''@6
H '=^w2GR/72G6B7

x2;w2G2KE^#G/,2= >2O6
@6/y ^,C^t'>
 G/,&;$7+ @6^2D$G22O
u>&:
T>N76G7$^&
P=67&O '@$(C>&:
7B!C>&:764 D 
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
c
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
O$+CD.7<7'',67<@-S
7B@!2GC>&:6$^= -(&
ZOG2 .( H >/>\ ^-B
u +CD$ -
o2RC72;7+CDO7$D&4= :/>\ ^2:"
7 B ,;2K7OR &a-#'n"&;
2K  dB~^= 2:@0 +CD7'O
+8H ;2K  $2O &+CD
 2= (7>$>jls']lls7$D> /> 
BT#''6?O= 2R,'2;\+
@-S$ -
u ^-DS6'7^
T2G6O$^=  '=H >&E@Z
B= 7'7<-(2:!H >&E/>
'H >&E2G@GBTDS6'77$R/>&F06'
7'G'G.6'77'2 B#@n
2;2O$n&!2;6'7$-1.'H >&E/>6
72:H 2!Co78C,/>.C>H >7^'•O7
7-YC^t>B/q/^@=
&# C7/7#-(B

u ^-DS82 <7
('72f$G2G64$&F0
<7.(f78'<7$0 G
2G7$&|BT77& 8& 8 ,Z:"
  B2'?@&&E-+CN2 C77-DS8
<7 ^7G + $7+ 7
<77B
u ^7-DSC>R
I= N'72: 7-DSC7C>R
7-2O2>C>$>&$$!;7CD+CD+
'V$6$$2G.^>N7B&-7
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
€
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
8'C>RV<8'C>R. ^-DS
+(5C>R+/.+( $@.= 4
<&:/ ^7 .$4f7  1282>
&-
u ^-DS2&E
= -&#2;77$0 G64
7x2D4.= & ^-DS
2&E777G.7G7<x=
g.&2 ,$2K$;{B
1.1.3. Các loại hình tín dụng của ngân hàng
1.1.3.1. Phân loại theo thời hạn tín dụng
9!OEFH $"2,.4!
&H #+2+@/&;6<@-S?
>N$>67B92O@-S2;
u@-S5I]k7$f\ ,$;/>& 2G>
7

u@-S$ I]N2+€N$;7/>,2D
(#>.G/,'$K# 8$+CD,n
67B
u@-S-$€N$;78$4\'-0
7'./C'. 2!.7'O+CDO7$D&.O$D/g-S&
Q(\72D!$?xO@^2,.4= >
'8\72D2;@\7!B9!OEF
H $"2,4&H #+2+@/&;6
/>'6
1.1.3.2. Phân loại theo hình thức tài trợ
@-S2;'C>&:. {
u'2O&(2=7+7
>$>>,&U&:/ G>!\72D2OB
'&/>&$72G@-SB'!2;2D
&;9kx T/,'$t-; ,tBT/,
'$t&/,='$t.-; ,t&/,=
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
•
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
'!2R ,tBG/,!>-;
$@&#-0n^V&:#$
u+^ + &(6/ $I2
#62R/fP + 2+$K<$=
7<7$Dn&6+
u &(CZ= />2R7 9
PZ #72DBL !2O7>$>=,&:
B />2;>S/>9-; 
u>&:&(+0(7FS@G
764BV-Y8\ ^$/2:7
; '@642R &;

1.1.3.3. Phân loại theo tài sản đảm bảo
dO2>C>Co/>+^.,BQ=V '54"
2G62= >O,+^B 'x
;2K@-SP/>2>C>O>NC722R K;+
78R$>;B+2>C>&+6!#@-S
=(-Y/>642/fP V/g-SV>N$>;6
!<C2R$>;7B
u/>2>C>@-S
/>2>C>Co@-S&>67'6CC>&:
2R0(FS$>;.CK
‚/> G/fP 67'6CC>&:
‚=7^'!O7
‚7H '==/>
‚/>4I,'
u)= > />2>C>
‚@;7 GH '=/fP H '=/g-SVH '=H >&E6
7''!C>&:
‚@>&/>2;w-D$D$!OD
$! S
‚*8O$^!2RE+;2K2>C>@-S
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
j
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
‚ƒ7$D/>2>C>&FS2>C>
u+^
+^/>&(GC/ 2'"&C+^-Y/>
 G/f P 642R2>C>0(F S -/02, C
a/ 2'"&C#+^d8 'R/>2OC
#+^
74<+^&

„+^7&E8Co
„ +^<^+^<
„ +^7++^$0+
u,
,/>&(GCaC,d/> G/fP 6
4CaC#,d2R2>C>FS-/0
u>&:6C<C
>&:6C<C&CC>&:+//yO$7
($>,,&:'7',$$!;7
8$>2;;
u@-S8/>2>C>OR2;^77
O '@.!&7&N!\ 'O&:44@&
.@\>'$4$;-'-VO'2,Z/,
6!'B4<@-S'ORR2+7>'6@
6@6'  .'2,7<@'8'&
1.1.3.4 Tín dụng phân chia theo rủi ro
+ 9$6$ORR2+
u@-S&O>N K
u@-SO^2=O-^ ( 8&7#
 S.7VZ.7:G7C77
@
u;H 7O>N K7>;H 757
O>NSK,.O/>2>C>O7$D&
u;H 7O2n;H 7& .>N$>;w./>+
^ZCD7.78 ,$>;
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
1.1.3.5 Quy trình tín dụng tổng quát
d]^K/' #8

uS 
‚*7O;7
‚*7O  ',0/0
‚*70 '(H (@-S
uG- 
‚K/',KO
„ K/7&E
„ K/>'
„ K/@
„ K//>2>C>
‚ K8$p2@-S
„K/',67
„8& $P
„8C67
„8I2,6$67
„8I7H  '8
„8I7H $ '=8
„8I7NC>7H '
„8IZ^
u^ <
Cdp2D
uS2@
*R$@@\7678
@>N/6-S,'67
@7$6$-R67&;>
NR/7$6$6
uG- 
‚*>N$>;($@$>;&#!$4
‚^ <H '=#H '=
d '+2D

uS
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
b
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
uG- 
„O7'8
„7<'
„72= >$C G;2K
u^ <
-dƒ>
uS
uG- 
ƒ> 1'
ƒ>O2= (
u^ <
9d7\w
uS
uG- 
*R$(/g-S='7\w7^2=&H 2+($@$>
;>N$>;
7\w2>C>@-S+ O.##8
u^ <
•d•*+1
uS
uG- 
0($$!;70(21;2K8
21;2K4O77\g&E7 Y'9H '2D6
C>2O
u^ <0(
2$6$?@ABCDE

F
1.2.1 Khái niệm tín dụng trung và dài hạn
$2G-6.@-S$ 2;R &
&@-SO!,I]2+€N.2;/g-S2R0(7
-072 7$R/>\ ^.-.-DS2!/,B@-S$ 
20^72Rf$G>.8S.(.;&E7
8$48(H '$4/>\ ^B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]l
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
@-S-&&@-SO!,I€N$f&.
2;/g-S2R0(7-072 7$R/>\ ^.-.
-DS2!/,B4<@-S'2;^7o
v$;(\'-0.f$GV(H '$48(.H '$4
\>/ ^B
1.2.2 Vai trò của tín dụng trung và dài hạn
1.2.2.1 Vai trò của tín dụng trung và dài hạn đối với các doanh nghiệp
=+('8I#2G2K!7/>\ ^
'=   !8IBG-(
 ,K7$R4>C+5C5  D$!>:
 2OBQ4+.-(>-2 2R^&;/>
p=f$G/>\ ^'2R\#D$!B '.
2R&2;2= '7-( '2GG,&;,^
2D.&;,'-(OR0@& `H &; #2R&!
@& `ORH 7& &^G-BT(?O
R '2G,$D$!<7V',B),
-(.(',$ „-I2829&=
 #&;/( '2G,$D$!<7$= BQ=
Vt.-(OR',9tY;'
 -BQ=6S.!4O@<.P8

>8'?2;H '=C7$7+ .+ 64$D$!
<7.^&8'&#'H 7Z.O+N$^O
OR '2G$7>'$ „-I1
0(+&;-29&&;<-(
8N/0R/76!C2,2G-6
-($$!;7+ '$7+ BV-YO
=  #&;#'&:/ ^$ „-6&72,
-(B G7-(>F2+( H >2 .-
22;8x26$>,&:>29&&;<
4BT#'.&:/ ^@-S$ „-6&2nCp'12p'
-(7$(2R2K,2R-O&:5&;$
$B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]]
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
#'.',$ „-I&C(7H $"2R
7-(0(2;-0764B
1.2.2.2 Vai trò của tín dụng trung và dài hạn đối với nền kinh tế
2G@-S$ „-27<  =,=+
H ,-.2= &;  =,$=+2G@-S&
(S 'R,II2++ ,.IP+(/
2 .SS7$R=+B
 T#$ 2;,2=   ,$=+.@
-S$ „-O0( 'R-D^ +98
(„8(„-DS.2p'H 7$47/>\ ^f$G2 7
$R+.B7>' ^72;0(9>
= / = $G.2 O$"2R.47/>\ ^?
".\'-0^ ;&E7$(2R7 K&02R#$ S
S/>\ ^B5$' K,&.& -2:12p'+2G7$R7
8$4.7-07.2;( H >+C=P.& -O1

2p',2G 'R-D^ +2:2D8(7„(27
2:2=$B
2O7>'$ „-O$n K,2R
0(\'-02K!(27IC=/>\ ^$B
12p'/>\ ^^&;.U :.2-=@N6/>
p2R S$\ ^p B7O@^$$D
$!H ,+/yN (H ,.12p'\ ^p .>(7
77H ,+B
1.2.2.3 Vai trò của tín dụng trung và dài hạn đối với hoạt động của Ngân hàng
thương mại
 2G6$+D$!&2G$8
$!$'5.2ROR2<P$8$!$'5
'2nZv>0/0H 2+( H >2G
-6@4Q4#'.2G@-S2;\9&/0
+2R@$6B$PN2'.=+
D$!#2G$2= (=+f  f$GH '8.
+2CG=+2:^'  ,$ „-&
+H $"B K,'2= (7-(2`
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]k
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
 #.$CD8(.7/>\ ^2R$7B
)'&2= (2Rf$G2G64'
…2D$nD$@6$=+D$!B
 P@-S$ -n&7<>2R>H '+
 K, '2Gn-I7H Ev.2K
!?&7",I=+27<  ,7
-(('BQ4#'@-S$ ->2;N!
2R7ORv&0/0(8((2
O2^,B$@-S$ -n&G(S

&;@62Bf4@-S$ -&@-SOH '8
&.&:/ ^O!-&:/y&2D. '$6$?7

1.2.2 Nội dung của nghiệp vụ cho vay trung và dài hạn
1.2.2.1 Mục đích cho vay
@-S52;'6'+ 2RC/  K,
& 2G6-(.4@-S$ -&o2 7-0
7O!2,- /57'O+CD.\'-0/gP
\f/f#^` #.2$+CD8(o27
<  />\ ^-.7$R$&6-(B
1.2.2.2 Đối tượng cho vay
),;'$ -&CG7@^ $
<,2 67-07\'-0.f$G>8(.7$R
/>\ ^
$H (@-S.2,;'$ -&7
8$4.S8$4V7-072 \'-0. /5/>
,2D672D+O& #<` #,.\70-07
2:- '(B
1.2.2.3 Điều kiện cho vay
)R2;',.2D\'>g2+2\'.& #
<+.` #-072:2;p2D^$- '(7
C77@64$GN$B$.2D\'>
g2+C>@7( H >6-07.&; #-07&
H 7N.7x >7>N/&;6-07Q.†~~BBB
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
2OO@72'267/,=\'.7 K$>;&($>;B
'/y\9\w`7&( o2772'26>N6
2D',$H '+2D'.44@:S6"

7<@+B
*H '+2D7-('$ -.
>55( H >67.-07.$4/>\ ^6
C',B
G$72= (2R7'&+
^B)O?&2>C>@-S2;0(-= 4<7
4 OR&&2>C>2,#2>C>2,B
u)>C>2,#d2>C>2,#&4<2>C>@-S$
2O2O$n&6;2;IfG/,H '=^2D
2,/>67o&N<2R K;$$!;
78$>V8O>N$>;BOk4<2>C>2,
#@&+^,B
‚+^&( 'R-DH '=&;=/>/6;
S2@&2>C>O;VW$IGFSB!2'
2;"&!+^!'2;"&!2;+^B
‚,&G/>V7<I<#H '=
/fP />6;a!2;,d2R0(GFSBF
S,$H (@-S&!2'0(FS$>;
21;2KB$$!;!2'87;21
9;2K4OH '=C7/>,2; 
 ;$76;7BP&/>,8-S2R2>C>
'K,7.+^ + .,7
<77B
e)>C>2,)>C>2,&/0+6GV=
!=($>;'7',!'8
$>2;;B$2>C>2,OM6R&H  / 
]!2'
k!C>&:
K/KO
];2K@-S2;EP!2'B

SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]c
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
k;2KC>&:2;EP!C>&:B
*\w- '(GC>&:1E2+G/,2R/ 
‚!C>&:>O26N&0C>&:9H '2D67& #B
+ &74!2<$C>&:>&!2-(;76
7B
‚RV72<$C>&:>O26N&0@
2R0(FS2:+B
‚‡'@6!C>&:B
)>C>@-S2;&  p\w- '('>
^'$o2'8>&  pH $"^'O778
>&  p@ '5B '$!H .7
U\+2>C>='D$@/,G
1.2.2.4 Thời hạn cho vay
)R7C(C>2 P@-S$ „-5&
!'B
u@-S5!'2;\72DY; t/>
->N$>;678H 7]k7B
u@-S$ „-!'2;\72DY;
! K,6-072 .>N$>;67@^
6 K,'.$2O
 ‚@-S$ -O!I]k72+M•7V•l
7 t9H '2D6IB
‚@-S-O!$M•7V•l7B
1.2.2.5 Hạn mức cho vay
<''S G= '+ ,
u '2D6.S 6@/7=($
I!tB

u<@-SnS G@C>7
.,&;, '2G6&4<@
-SOR ^I7= .@
/7@-S6I!t2,v-07?
O7 B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]€
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
u  ',6!'.44@ '@6!
'>f$0+<@-SB7!
N<44@67O,'8. '@6"
7<@2R$H '+2D<@-SB
uL02D'C^6=+B*=+C^4$6$
$D$!/yBT#'>N K,/y\^ 2B
1.2.3 Chất lượng tín dụng trung và dài hạn
1.2.3.1 Quan niệm về chất lượng tín dụng trung và dài hạn
^&;@-S&/027<  67Y;/0
7$R+\:G2(2>C>/0K.7$R67B
^&;@-S$ „-@&^&;6>,
'$ „-62;72H 7$4/>\ ^
-.-DS{2R$G/,=&8H 2O/y 2;>
,&:21!.CY252;@CZ$O&; #B
^&;@-S2;R(H =  @7 <
2G,@-S.<2G@6/0'268
$!+.>N 17=N.6S2>. #(B
$^&;@-Sn2;R(H ( H >2G67-0
7',/>\ ^-.4$\72O>%,2GN
$f6=+B
1.2.3.2 Chỉ tiêu để phản ánh chất lượng tín dụng trung và dài hạn
^&;@-S2;R(H k(,x x 2D

&;x 2D@B
dBOx 2D&;
]dT;$ -z K,asd
„T0x 'H 7N2R277<2G#$ ,@
-S6
„x 4<2G2G62DO
( H >.;&2VON.^&$(4+
7B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]•
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
6f<2G/g-S,ˆQ,/g-SzQ, '2GB]lls
x '^'OR/g-S K,$ „-
G K,52R'$ „-BORR 2'
&x >72;^&;@-SBx /g-S,w27
7@( H >$2G@-S6Bx '&4
<Z2:/g-SG7( H > K, '2G2;B
„x '>7'2;C / K, '
2G.OnO&>N '2G ,2D6B
„x '&R(, '2G-;@.>N '2G
,6,B
MdB(/, ;asdˆaT/, ;$ -zT/,
'd‰]ll
„x '277( H >@-S$( ;6
„O>7$]!t2O.-/,'^2D4
/y =2;C 2K,B
„x&(',
cdBx&(;H 7asdˆa;H 7$ -z/,-d‰
]ll
„x '^'>N K,62,7Z

'B
„)'&x 2;-Y2R277^&;@-S?$6$
@-S
„x&(;H 7R(^&;@-Sw
.;&B
€dBQnH ',@-SandˆT/, ;zT;C4H 
Š$2Odư nợ bình quân trong kỳ = ( Dư nợ đầu kỳ + Dư nợ cuối kỳ ) / 2‹
„x '2&!,2G&  'R,@-S6.!
 K;6&'#BQnH ',42;
&,(2 2;B
•dBx ;H16@-S$ -
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SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
-;'$ -
x '^'$]lls-;@-S$ -4OC
 s&;H 7B^'2;^&;@-S6.&( 
2:42; K','.<2Gf2,7O
'8
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Ox/,'^<Z^&;@-S;&7
Ox/,'<Z^&;@-S> '^B_7
O=@7$R!H '2D7OŒ&(;H 7
$-;•€s42;&O^&;@-S,B;&+
;H 7€s4O-^ ( \^ .2G62O8O
 '$6$B
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~•$Œ('4^&;@-S^B;H 7
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H 72;\7/yOR&7/>B72,
5>2+<,27>;O2n2R&N^&;@-S
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&+2O$nH $"B$O=
$!;^,-&?&S.Z2G2^./O>N^
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i; #I@-S$ -
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SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
i; #I@- 
i; #&x H $"2R277( H >7>@-S
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QnH ',@-S$ -ˆŽŽŽŽŽŽŽŽŽŽŽŽŽŽŽ
T;$ -C4H 

QnH ',@-S&Gx !2;7@7
N2R277>NH >&E,@-S^&;@-S$
(27<  ',67Bx '&,.>
72;/,n  'R6,@-S$ „-a!&GNdB
(/,'>7>!K$ C467O'5B
CdOx 2D@
)R277^&;@-S$ „-.2<$72G&G
1>\9\w>Px =V2D@V
2D&;BQ=V2D@.7x 2;R(H G/,@/ 
„^&;@-S2;R(8H >N27<,
 67.6S2>. #(. ^,O.D
!..t<7Y; t-6
7B
„PO&D/g2G& 2!./f#^$+
CD,.2K!= 4< '2G,.2-
78I<-S7-DSBO
 K, '2G&.2D.O&;7'28
2><ZO '@B
„x 2D@2;R(H ,2GN$f6=+
H ,-.7-07',/>\ ^-2( H >+B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]b