nâng cao chất lượng hoạt động thông tin tín dụng tại trung tâm thông tin tín dụng – ngân hàng nhà nước việt nam

MỤC LỤC
MỤC LỤC 1
DANH MỤC TỪ VIẾT TẮT 2
DANH MỤC SƠ ĐỒ, BẢNG, BIỂU ĐỒ 3
LỜI MỞ ĐẦU 1
CHƯƠNG 3 63
GIẢI PHÁP NÂNG CAO CHẤT LƯỢNG HOẠT ĐỘNG THÔNG TIN TÍN DỤNG TẠI TRUNG
TÂM THÔNG TIN TÍN DỤNG – NGÂN HÀNG NHÀ NƯỚC VIỆT NAM 63
DANH MỤC TÀI LIỆU THAM KHẢO 89
TIẾNG VIỆT: 89
DANH MỤC TỪ VIẾT TẮT
TỪ VIẾT TẮT TÊN ĐẦY ĐỦ
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 
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 
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'( ')(
DANH MỤC SƠ ĐỒ, BẢNG, BIỂU ĐỒ
SƠ ĐỒ
MỤC LỤC 1
MỤC LỤC 1
DANH MỤC TỪ VIẾT TẮT 2

DANH MỤC TỪ VIẾT TẮT 2
DANH MỤC SƠ ĐỒ, BẢNG, BIỂU ĐỒ 3
DANH MỤC SƠ ĐỒ, BẢNG, BIỂU ĐỒ 3
LỜI MỞ ĐẦU 1
LỜI MỞ ĐẦU 1
*+, /0123456789:;<=>?4@7AB7CA=D787C8?E; F
G7C H G7C':;<=>?4@7AB7CA=D787C8?E; I
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A=8R7C+RSYZ78?EQ[Q?\778?EQ[SPS8S8]S F^
(N78+>=<O?PQ+RS.?T;U?ESS8=?PQ+RSSVQW4XR8V?PQ+RS.?PQ+RSUOSPS8V?PQ+RS
A=8R7C+RSYZ78?EQ[Q?\778?EQ[SPS8S8]S F^
?PQ+RSSV78?EQUB0ZS8]SUO48_S8?E778?EQUBS`DUOS8a245PS878?EQ45bcS8R7C+RSUO;8P;
<2d4Ue4=O7YW8=>4+W7CS`Dfg23:4+a78S8b*7C45678[h:8=>S8Si7C4PSS`DUOP;AB7CSPSY?E7
;8P;Sj748?:448k=48lQg23e778mQ+GQYG=48_S8?E74R478?EQUB+bnSC?D=fhoSPSUp7YG7482WS48lQ
g23e748k=g23+a78S`D;8P;<2d4 F^
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;8P;Sj748?:448k=48lQg23e778mQ+GQYG=48_S8?E74R478?EQUB+bnSC?D=fhoSPSUp7YG7482WS48lQ
g23e748k=g23+a78S`D;8P;<2d4 F^
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<t78U_SSi7C4PSS`DUOS8a245PS878?EQ45bcS?PQ+RSUO;8P;<2d4Ue<t78U_SSi7C4PS+bnS;8r7
Si7C;8B45PS8 uv
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<t78U_SSi7C4PSS`DUOS8a245PS878?EQ45bcS?PQ+RSUO;8P;<2d4Ue<t78U_SSi7C4PS+bnS;8r7
Si7C;8B45PS8 uv
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8=>4+W7CS`D[+V<OSPS;8w7C0 uv

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8=>4+W7CS`D[+V<OSPS;8w7C0 uv
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GIẢI PHÁP NÂNG CAO CHẤT LƯỢNG HOẠT ĐỘNG THÔNG TIN TÍN DỤNG TẠI TRUNG
TÂM THÔNG TIN TÍN DỤNG – NGÂN HÀNG NHÀ NƯỚC VIỆT NAM 63
GIẢI PHÁP NÂNG CAO CHẤT LƯỢNG HOẠT ĐỘNG THÔNG TIN TÍN DỤNG TẠI TRUNG
TÂM THÔNG TIN TÍN DỤNG – NGÂN HÀNG NHÀ NƯỚC VIỆT NAM 63
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F./.…y(z#M
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3.2.1. Nhóm giải pháp nâng cao năng lực hoạt động 70
3.2.2. Nhóm giải pháp nâng cao chất lượng hoạt động thông tin tín dụng của Trung tâm thông tin tín
dụng 71
3.2.3. Nhóm giải pháp ứng dụng công nghệ tiên tiến, hiện đại 76
3.2.4. Nhóm giải pháp tăng cường năng lực quản lý, nguồn nhân lực và tài chính 77
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3.2.5. Nhóm giải pháp xử lý và vận dụng 81
3.2.6. Nhóm giải pháp phát triển thị trường Thông tin tín dụng 83
3.2.7. Giải pháp tăng cường hợp tác, hội nhập thông tin quốc tế 83
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DANH MỤC TÀI LIỆU THAM KHẢO 89
DANH MỤC TÀI LIỆU THAM KHẢO 89
TIẾNG VIỆT: 89

TIẾNG VIỆT: 89
LỜI MỞ ĐẦU
1. Tính cấp thiết của đề tài
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động thông tin tín dụng tại Trung tâm thông tin tín dụng – Ngân hàng Nhà
nước Việt Nam”, 78mQCV;;8j7+GQYG=D74=O78E48R7C7Cr78O7C[4p7C
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Si7CS2WSSi7C7C8?E;8=P[8?E7+>?8=P+q47bcSUO8W?78d;g2RS4:.
2. Mục đích nghiên cứu
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4PS+W7C+:7S8q4<bn7C8=>4+W7C.
H#P78C?P48_S45>7CS8q4<bn7C8=>4+W7C4>?527C4rQ48i7C4?74@7
A27CŽCr78O7C78O7bcS?E4DQ.8r74@S88>7S8:[7C23x778r7UO+P78C?P
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45=7C48›?C?D7g2D.
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<bn7C8=>4+W7C4>?H 

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3. Đối tượng nghiên cứu
#R?4bn7C7C8?x7S]2S`D4PSC?G<2d7Up7<OSPSUq7+e482WSS8q4<bn7C8=>4
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C?PUOSPS78r74RG788bœ7C+:7S8q4<bn7C8=>4+W7C.
4. Phạm vi nghiên cứu
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AB7CSi7C••[4ZS8]S48i7C4?74@7AB7C4b[SPS7Cr78O7C48b*7CQ>? PS
C?G<2d7Up7S8sC?c?8>7;8>QU?7C8?x7S]2[9kQ9£448_S45>7CUO46QSPSC?G?
;8P;7r7CSD=S8q4<bn7C8=>4+W7C4>?527C4rQ48i7C4?74@7AB7CŽCr7
8O7C78O7bcS?E4DQ.8q4<bn7C7O3+bnS9£445x7CVS+WS8q4<bn7C8=>4
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48b*7CQ>?.
5. Phương pháp nghiên cứu
W4XR;8b*7C;8P;7C8?x7S]2h8=D8¢SS*YG7+bnSX AB7C45=7C<2d7Up7
YD=C,Q08b*7C;8P;+?e245D48R7Chxf8b*7C;8P;;8r74@S8UO4Z7C8n;f
8b*7C;8P;X=XP78f8b*7C;8P;A?\7AaS8f8b*7C;8P;g237>;f8b*7C;8P;
<=C?SY?E7S8]7C.
6. Tên và kết cấu luận văn
x7<2d7Up70Nâng cao hiệu quả hoạt động thông tin tín dụng tại Trung tâm
thông tin tín dụng – Ngân hàng Nhà nước Việt Nam.
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8b*7C-0*Xœ<o<2d7UeS8q4<bn7C8=>4+W7C48i7C4?74@7AB7C
8b*7C/08_S45>7CS8q4<bn7C8=>4+W7C48i7C4?74@7AB7CS`D527C
4rQ48i7C4?74@7AB7CŽCr78O7C8O7bcS?E4DQ
8b*7CF0?G?;8P;7r7CSD=S8q4<bn7C8=>4+W7C48i7C4?74@7AB7C4>?
527C4rQ48i7C4?74@7AB7CHCr78O7C8O7bcS?E4DQ
/
CHƯƠNG 1

CƠ SỞ LÝ LUẬN VỀ CHẤT LƯỢNG HOẠT ĐỘNG
THÔNG TIN TÍN DỤNG
1.1. Hoạt động thông tin tín dụng
1.1.1. Khái niệm hoạt động thông tin tín dụng
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Sơ đồ 1.1: Quy trình hoạt động thông tin tín dụng
1.1.2. Hoạt động thông tin tín dụng
1.1.2.1. Hoạt động thu thập thông tin
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* Nguồn thu thập, cơ sở pháp lý của việc thu thập tin
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* Phương pháp thu thập thông tin
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* Trách nhiệm của người cung cấp thông tin và phí thu thập thông tin
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1.1.2.2. Hoạt động xử lý, phân tích thông tin
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1.1.2.3. Hoạt động lưu trữ thông tin
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1.1.2.4. Hoạt động cung cấp thông tin
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Sq;[<=>?8678[7CO787C8eh?78A=D78[48i7C4?745D78S8q;4>?4wDP7 •f48i7C
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<bn7C<D=+W7C.
Bước 2: Xác định ngành kinh tế và quy mô của DN
Một là, xác định ngành kinh tế của DN
?ES'(+bnS+Ÿ445=7CYR?SG787CO78A=Q™?7CO78SV78—7C
+ŸS+?˜Qh8PS78D2UeS*Sq2S8?;8@[Q]S+W4p7C45bœ7C[4@78S82h«[h8G
7p7CX?78<›?[h8G7p7CYaG788bœ7CA=SV78—7CXG7;8lQ48D348:[Qi?
45b›7C;8P;<o[h8PS88O7CUO78OS27C]7C[4@78S>7845D7845=7C4¡7C7CO78.
=+V[U?ES9r3A_7C8E48R7C;8r7<=>?7CO78h?784:SVo7C8tD5q4g2D7
45¢7C+˜+P78C?P[X=XP78C?—DSPS45=7C7CO78.8_S4:U?ES;8r7<=>?
7CO78h?784:<2i7<2i7CŸ;h8Vh8p7U678—7C4?x2S82l7<OQSp7S]S8=U?ES
;8r7<=>?h8V+P;]7C+bnSQ¢?3x2Sj2[8=ŸSh8?8=>4+W7C7mQC?—D
-F
8248d;
48i7C4?7
8r7<=>?

48k=
7CO78UO
g23Qi
8r74@S8
SPSS8s
4?x2UOS8=
+?˜Q
8xS82l7
UOSi7CYR
hx4g2G
9:;<=>?
5D78C?c?8D?7CO78[8=ŸS8=>4+W7C+D7CO78.#R?Uc?78—7C8=>4+W7C
45=7C78?e27CO78U?ES9PS+a787CO78S`D+bnSA_DUO=7CO788=>4+W7C
4>=5D78?e2A=D7848278q4.
Hai là, xác định quy mô của DN
123Qi<OQW43:24Rg2D745¢7C45=7CU?ES'([]7CUc?Q™?
g23QiSV78—7C<n?48:5?x7C45=7C48a45b›7C[Uc?g23Qi<c7X•SVh8G7p7C
+]7CU—7C8*745=7CS>7845D78[4@78Z7+a78SD=8*7.8—7CSVg23Qi78ª
48b›7CS8s48?x7Ueh?78A=D78QW4XR<=>?XG7;8lQ[h8V+DA>7C8=P8=>4+W7C
+˜C?GQ48?˜25`?5=h?78A=D78[78b7C<>?SV<n?48:A\AO7CS823˜7+Z?8bc7C
XG792q4[A\48@S87C8?78D78Uc?48a45b›7C.?ES9PS+a78g23Qi48b›7CSp7S]
UO=SPSS8s4?x278bUR7h?78A=D78[A=D78482[4Z7CXR<D=+W7C[7W;482:
8b›7C7Cr78O7CS8?D48O78Fg2?Qi<c7[4527CY678UO78ª.12?Qi78ªSV
48˜]7CUc?<=>?.
Bước 3: Phân tích các chỉ tiêu và cho điểm theo từng chỉ tiêu
#r3<O;8j7SR4<±?[<O78r74RS*YG778q44>=5D+ŸS45b7C5?x7CS`D4¡7Ch¯
482d49:;<=>?+R?Uc?Q™?Si7C439:;<=>?45x748:C?c?[U648:[h8VSV48˜+bD5D
QW4S82l7Q_SS827C45=7CU?ES<_DS8¢7SPSS8s4?x24O?S8@78UO;8?4O?S8@78[
S®7C78bYG7CS8qQ+?˜QSPSS8s4?x2S8=U?ES'(.2378?x7[XD2h8?
7C8?x7S]278?e2h¯482d4S`DSPSSi7C439:;<=>?g2RS4:[7C8?x7S]24@78+ŸS48§

S`DSPSh82U_S[S8r2<BSh8PS78D2[S8=48q3SV48˜'(48i7Cg2DSPS
78VQS8s4?x278bXD20
Một là, phân tích những chỉ tiêu phi tài chính
8—7CS8s4?x2;8?4O?S8@78S`DS8`3:2<O78—7CS8s4?x2+a784@78[h8V
S823˜748O78+a78<bn7CU6Ud3U?ES;8r74@S8S8`3:2<OA§7C;8b*7C;8P;
S823x7C?D+˜;8r74@S8+R?Uc?4¡7C[X=XP78C?—DSPSh«+˜48q3+bnSg23<2d4
;8P445?˜7.#,7C48›?[X=XP78Uc?SPSS§7C7CO78h?784:[S§7Cg23Qi+˜48q3
+bnS78—7Cb248:S`D4¡7C.PS48i7C4?7;8?4O?S8@78SV5q478?e2<=>?[Sj7
;8G?S82l78=PQW4XRS8s4?x2S*YG7+˜;8r74@S8UO+bD5D78—7CA_+=P7UeA?\7
Y?:7h?78A=D78S`D.W4XRS8s4?x248b›7C+bnS<_DS8¢7+˜;8r74@S8<O0
-u
7Cb›?+?e28O78[XG7;8lQ[48a45b›7C4?x248BXG7;8lQUOUa45@45x748a
45b›7C[Si7C7C8EXG792q4[4ZS8]Sg2G7<o[QR?g2D78EUc?SPSh8PS[<aS8
X 8=>4+W7CS`D.
Hai là, phân tích các chỉ tiêu tài chính nhóm 1
?ES;8r74@S8SPSS8s4?x24O?S8@7878mQX=XP78h8G7p7C4O?S8@78S`D
C?—DSPS48›?h«UOX=XP78Uc?SPSh8PS8D3Uc?C?P45a4527CY678S`D
7CO78 #˜;8r74@S8Xr28*7Ue4O?S8@78[S8T7C4DSV48˜;8r7SPSS8s
4?x24O?S8@7848O78/78VQ078VQ-<OSPSS8s4?x2;8B482WSUO=7CO78UOg2?
Qif78VQ/<OSPSS8s4?x2@4;8B482WSUO=7CO78UOg2?Qi.PSS8s
4?x24O?S8@7878VQ-48b›7CC,QSPS<=>?0SPS4³XR48D78h8=G7•h8G7p7C
48D784=P77Cš78>7[h8G7p7C48D784=P778D78•[SPS4³XR8=>4+W7C•<2r7
S823˜78O7C4,7h8=[h«4824?e7Y678g2r7[8EXRX AB7C4O?XG7•[SPS4³XRUe
Sr77n•4³XR7n;8G?45G45x74Z7C4O?XG7[4³XR7n45x7UR7S8`Xœ8—2[4³XR
7ng2P8>745x74Z7CAb7n7Cr78O7C•[SPS4³XRUe48278d;•4³XR4Z7C482
78d;45bcS482:45x7A=D78482[4³XR4Z7C48278d;45bcS482:45x74Z7C4O?XG7[
4³XR4Z7C48278d;45bcS482:45x7UR7S8`Xœ8—2•.8=+?˜QSPSS8s4?x27O3
X•+bnS9PS+a7848xQYœ?+?˜Q45¢7CXRUOX•+bnS45678YO3œQBS+R?S8?:2[
4@78+?˜Q4?:;48k=.
Ba là, phân tích các chỉ tiêu tài chính nhóm 2

PSS8s4?x24O?S8@7878VQ/@4;8B482WSUO=7CO78UOg23Qi[U6Ud3+˜
+*7C?G78*7S8=U?ES4@784=P7486SV48˜C?G+a785m7CG788bœ7CS`D7CO78UO
g23Qi+:7SPSS8s4?x27O3<OYm7Ch8i7C[C,QQW4XRS8s4?x278bh:4g2Gh?78
A=D78[7n9q2[4O?XG7+GQYG=4?e7UD3[4RS+W4p7C45bœ7C<n?782d7[4p7C45bœ7C
A=D78482UO7C2,7UR7S8`Xœ8—2.#bDUO=;8r74@S8SPSS8s4?x27O3X•<OQ4p7C
48xQS8q4<bn7CS`DU?ES'(.
Bốn là, xây dựng bảng điểm và trọng số cho từng chỉ tiêu
G7C+?˜QUO45¢7CXR+bnS9r3A_7C48k=7C23x74šS09r3A_7C+?˜QS8=
4¡7CS8s4?x2[SGS8s4?x24O?S8@78UOS8s4?x2;8?4O?S8@78.8s4?x27O=g2D7
45¢7C486S8=XR+?˜QSD=8*7.#R?Uc?SPSS8s4?x24O?S8@7878VQQW4486Sw7
-|
;8G?9PS+a7848xQ45¢7CXR+˜48˜8?E7X_4PS+W7Cg2D745¢7CS`DSPS4³XR+V
UO=h:4g2G9:;<=>?.?ES;8r7YZ+?˜QS8=SPSS8s4?x2;8G?8n;<o[h8=D8¢S
UOSi7C;82[;8§8n;Uc?4¡7C7CO78h?784:UOg2?Qi8=>4+W7CS`D.'r3
A_7CYG7C4@78+?˜Q<Oh8r248k7S8R4g23:4+a78+:7S8q4<bn7C'([7V
48˜8?E77p7C<_S45678+W[h?787C8?EQS`DQ™?S*g2D7.#˜+bD5D+?˜Q
S8=4¡7CS8s4?x2486;8G?SVXR<?E2S`D@478q4<O|vvv[Uc?<aS8X 48k=A±?F
7pQ<?x74BS[AO745G?+e2œSPS7CO78[SPSg23Qi+N<_DS8¢745x7[XD2+VX
AB7CYO?4=P748R7Chx+˜4@784=P7.
Tính điểm cho các chỉ tiêu
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S*g2D79:;<=>?4?:78O78+R?S8?:2SPSS8s4?x2+N;8r74@S8Uc?YG7C4@78+?˜Q
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Bước 4: Phê chuẩn và công bố
Đưa ra xếp loại tạm thời
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Bảng 1.1 - Bảng Xếp loại tín dụng doanh nghiệp
KÝ HIỆU
XẾP LOẠI
NỘI DUNG
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(Nguồn Moody-2003)
Phê chuẩn và công bố kết quả xếp loại
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♦ Sản phẩm chấm điểm tín dụng đối với khách hàng cá nhân
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Ghi chú: Dòng dưới tại mỗi chỉ tiêu là số điểm chi tiết.
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1.2. Chất lượng hoạt động thông tin tín dụng
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