Hoàn thiện công tác thẩm định dự án đầu tư ngành dệt may tại ngân hàng TMCP Đông Á – Chi nhánh Hà Nội

Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
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
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
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1.1.1. Giới thiệu về Ngân hàng TMCP Đông Á – chi nhánh Hà Nội 2
 !"
#$% &'(%)*+,  +&',"
/#$% &'(%)*+,01.2
"#$3&'(%)*+,!4567
2#$&'(%)*+, 8!9:7
;#$% &'(%),&<(9.1=&>=;
1.1.3. Một số hoạt động kinh doanh chủ yếu của Ngân hàng TMCP Đông Á – chi nhánh Hà Nội 7
/.?1@=5A@=%B;
/.?1@=18-)C
//&4510145D.?1@=& +*+& =&E
F(45AG1F(@H-:@I51J;
1.2.3.2. Phương pháp so sánh, đối chiếu các chỉ tiêu 18
Phương pháp này được áp dụng trong: 18
/"JK,,-:>.E
1.2.4. Nội dung thẩm định 20
"F(@H E
"L(&<55%G E
"&G51M+@&1J% $N:,,NO
"/H10*+ +&',
""!18@&D$1 &8*+ 
"F(@H-:@I51J2
"&4515%G-:2
"F(@H&1&01%G-:7
"/F(@H@&G5&'@D(>D.1&G%+A//

""PQ,>..1F(@H% M+45A01@HR,%B/"
1.4.1. Thẩm định khách hàng vay vốn 37
"S9K,,NO% &10*+ /;
"S9K,,NO/;
"S9K&10/;
"5A1ML1F(@H"2
"01N5Q% @GH*+>=18-)2/
1.5.2. Những hạn chế còn tồn tại và nguyên nhân 56
2.2.1. Nâng cao trình độ, đạo đức của đội ngũ cán bộ thực hiện công tác thẩm định 63
2.2.2. Nâng cao chất lượng thu thập, lưu trữ và xử lý thông tin 64
2.2.3. Hoàn thiện công tác tổ chức, quản lý thẩm định 66
2.3.1. Với nhà nước và các Bộ ngành có liên quan 67
2.3.2. Đối với ngân hàng nhà nước và các ngân hàng thương mại khác 68
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh

&10&'1+(@+>JT9+(=110U(T&3(=1U5AV*+1$
1MJW% ,11M&<1. -&'1M.(X& <N (@JY%&' A@R1JTN5Z
I18:15[1@I51J% @I51J,11M&<(=1\&'545D'1B1 &
8! N (=11M.]A051B*+(Z&1MJ^@I51J(G(3N V5A
@=% -_%B45+1MX.@I51J,11M&<9D`5R11M.JT'1B1 &
8a! \,11M&<3D$5A@=%B31B@=NJ51Z% &'545D
@I51J%B(T&@JYD&1&'8%L9:45+1MXJ%QA*+'1B1 &8
a! @B&%T&.?1@=@I51J,11M&<*+@R1JT3N (=19&%&V.+
I51J1MJ^?&X&105B-!3b(Q1RA%&'1L(&<5.?1@=% 45
1MLN (%&'*+(=1! N MR1I1&01c+51^&&+1:1Q,1dY,%
Xe&&01#1:101?&! Za& =&3-JT&9:
JT-_fg*+1. >=1Q,1<Z!%&V3b(X@G1 &h
 !"#$%&'()*+
,-.

Nội dung chuyên đề thực tập gồm 2 chương:
/0,12ijklmniopq
rsntopka

CHƯƠNG II:   cq  u    v  w  t    
lmniopqrsntopk
a
n.&01#% &&'(1:10>D1!?0V>..Z
1Me&]1&059\1x(MR1(.Q@JYO&0*+1IAZ3y+&(@B3
+H1M.,18-)*+! Z& =&@<
>..@JY. 1&'K
x(`&!1 D(K1IA&.JT-_hc5AzS&@{1Q
1L|>D.3&[,@}b(1:&'>..1:1Q, Ax(~`&@JYD(K
y+&(@B3+HZ11?&! 1JK(?&d,IZ&
 =&@{&[,@}&'11L% 1?.(X&@&G5&'.b(. 1 >..
1:1Q,1M..D1^&&+1:1Q,1?&! 
Em xin chân thành cảm ơn!
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
/0,12(3(45,16,1(*(78,93*,
:;<:=,(/,1>,9?(;<(5,1@,>,1
()6,1*+,*,>,A
BC"DE,'()*F,-
1.1.1. Giới thiệu về Ngân hàng TMCP Đông Á – chi nhánh Hà Nội
P (=1&Z3& =&@JY1 NQ, A
;•€•€€"1?&@H+|C5AzPJKy•aB+a =&%T&;,&+.
-HN (=11M.]&*B1*+'1B! Z
0+A%T&f@J^KE$(.?1@=@IA\$3& =&@{
@?1@JY&G51 1:5@[O1M.9:&',,11M&<5*+1. '

1BZ
& =&N &R,@{% @+N (=1&.?1@=MR1
&'545D&5R,. 1R1D9D,F(3-H%)*+
! 1JK(?&d,IZ0(?*+&N @=&~>=
Z!%&V1M‚15d&3$@=301(L%LZ%&'3.9:,11M&<N!5- &*+
&&@{`!A-:@JY(=1(?NJT& 1!1&01%T&$
N:5A@=% -JY18-)1$1MJW+.P (=1&%T&9BNJY
 NT3d@H% 1$@G545+ $(3& =&N5Z@D(>D.
. @{% @+&+.-H1?&&@G5MR1 &N%G1&@=*+
!%&V% 1&1JW% .1JK&'5*+! Z
1.1.2. Cơ cấu tổ chức, chức năng và nhiệm vụ của Ngân hàng TMCP Đông Á – chi
nhánh Hà Nội
1.1.2.1. Cơ cấu tổ chức
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
G;,1*=,*,

!
y,Q
89
18-)
yQ9D
,F(
yQ
45+'
n
&<(9.1
=&>=

yQ
45+'
!
yQn
!
yQn
!
yQ
Q!
9:
yQ
 8

n.+
&',
!
456
0
1.
 
8!
9:
Z
'1Z
1&
n
1M:15=
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
HI$J "-2

+ &+.-H!(&V
+ &+.-H&(P&V
+ &+.-Hy+L
+ &+.-H5Azy&<5
+ &+.-HI5&RA
+ &+.-Hy?+&
+ &+.-H&+&
+ &+.-H"
+ &+.-HSJK(
+ &+.-H
+ &+.-HZo
+ &+.-HP.y&V
+ &+.-H!AS
+ &+.-H+ƒ5!
+ &+.-HcK!A
1.1.2.2. Chức năng nhiệm vụ của các phòng ban
1.1.2.2.1. Phòng khách hàng cá nhân
a, Chức năng
5R,9D,F(-H%)- . !3>+.S(
9D,F(18-)35A@=%B31‚3-H%)J5A<1&G35A<.D3
1+1.1:@=3&1MD&G5B&„45+V&+.-H*+! …S(
! 1M5AG1B3! 1:@=% ! @&'1†‡
b, Nhiệm vụ
d#% 1M&<+&9D,F(3-H%)- .45+V
&+.-H*+! 
5DNO% NJ51M]S9K% #1ˆ\N&V45+@0K9W-]
N&'53.?1@=18-)35A@=%B% & +-H%)- .

:&'>..1BV.>+&(@B3,…?&=&cW‡3%
K45+ JT%G.?1@=18-)35A@=%B3& +-H%)- 

.% .?1@=$(9\3,11M&<45+'*+&
1.1.2.2.2. Chức năng và nhiệm vụ của phòng khách hàng doanh nghiệp
a, Chức năng
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
"
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
5R,9D,F(3-H%).  +&',…n‡3>+.
S(9D,F(%G18-) +&',31 &.D1&G†&1+1.*+n
% 1+1.45B10„45+V&+.-H*+! …>+.S(! 
1M5AG1B3! 1:@=% ! @&'1†3& +-H%)
45DNO1 &.D318-)% 1+1.45B10- .n
b, Nhiệm vụ
-:&'&'(%)\N&V45+@05A@=%B% 45DNO1&G†&
1+1.35A<.D31+1.1M.% . &'1B1MVN{1d&'1+(
*+n% 9D,F(-H%)- .n1b.*JK*+>+d
&(@B
:&V&+.-H*+nN&V45+@0&',%)18-)3&
+1&G1'3% 3& +.>{&31+1.`5R1Q,F5318-)15&=
@B&%T&n
&<(1M+188`*+ +&+.-H&',%)@{1:&'3@B&
&05#1ˆ&9d%T&n
1.1.2.2.3. Chức năng và nhiệm vụ của phòng kế toán
a, Chức năng
:&'&',%)?1.01.=&>=3?1..&+.-H
1MV1M51!(&+.-H1:@=oy3o3wc% 1dY,9BN&'501.*+&

b, Nhiệm vụ
b.-‰&% ?1.H,1^&3@IA@*3+\% 8`.D
1?(#3,D&151?(1M83&,8^,!>d3.D,D&1MD315!,3&,8
?1.,19&%GQ,3`5R1%Q1N&'53Z)N+.@=31 &9DB

@H:&'%&'1M8R5+.1 &9D 13&<(VZ)N+.@=31 &
9DB@H1b.Š
81.% NQ,>..0145D& +3.D150,D&=, 
13@HŠ% 1:&'=,!9 JT
dY,3@B&&05% &<(1M+%G9B,19&1M.&',%)01. 
 A&]+&%T&@K%H1M.‹'1B! % &',
%)N&V45+@0&',%)01.
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
2
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
1.1.2.2.4. Chức năng, nhiệm vụ của phòng ngân quỹ
a, Chức năng
5DNO% 1b.-‰&1. >=1&G(f1>•@S&'1+(3.?&1'3% 3Š
,&05318,&0531M&,&05% #1ˆ\&1MH1?&&
:&'-H%)15a&=3&<(@0(% 45DNO=1 &9D
b, Nhiệm vụ
B&Y,%T&!%&V*+,% n@<1:&'&',
%)15&1&G(f13% 3.?&1'% &RA1^\&1?&&
?0M*&M.% 1&01&D(&,8•(!+.&'545D1M.Z%&'
1M&<+&.?1@=!456
1.1.2.2.5. Chức năng nhiệm vụ của phòng hành chính nhân sự
a, Chức năng
- )1M%R@G%G 83%$1J% 45DNO!9:Z@. 3
@. 1+&V*+&
b, Nhiệm vụ
- G`5R1@H(#N+.@=3&+..4561&GNJK@0&
! Z1M:15=1MV@H+> 1b.45A0.1 &8*+
! 
:&'Z145A.?>=3@G`5R1†>=3!%&V@&Z
13X1Q,1M.% . &JTdY,31b.-‰&1J^`5AV>=3!%&V

@JY45A.?3@ .1?.
1.1.2.2.6. Chức năng và nhiệm vụ của phòng công nghệ thông tin
a, Chức năng
- 5DNO% %Q ?1IZ'1Z1&*+&% 1M51!(
&+.-H1:@=oy% (Ao3wc( &@JY&+.45DNO
H51M&'(Œ1MY&',%).,Z'1Z1&1?&&
W1|N!Q1b.9:,!Z*+&(@B&% &(@B1M5
1!(@&'1.
b, Nhiệm vụ
- dY,31BV% NJ51M]9BN&'531Z1&N&V45+@0.?1@=*+
&
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
7
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
ƒ†NO&',%),19&N&V45+@0.?1.301.31BV3
?1.&',%)% 18-).?1@=,)%)..?1@=&
+
1.1.2.2.7. Chức năng và nhiệm vụ phòng kiểm soát nội bộ
a, Chức năng
- &<(9.1%&'R, 1?&&1b.45A@H*+ JT3*+
 ! % *+! Z>+ 
+((J5.>+1d&(@B%G%R@G45D1MH% ?0M*&M.
1M..?1@=*+! 1?&&
b, Nhiệm vụ
- y..*1H=&@S45D1MH31d&(@B! Z3&(
@B&! Z1?& =&0145D@&G51M+% @G`5R1>&'
,,`†NO3•,)5A01@&<(1S1?&
&D&45A01@K1J3&051BN&V45+@0.?1@=*+&!
 Z1MV@H+> 1M.,?(%&,!R,*A45AG*+1d&(@B
! 1JK(?&

1.1.3. Một số hoạt động kinh doanh chủ yếu của Ngân hàng TMCP Đông Á – chi
nhánh Hà Nội
1.1.3.1. Hoạt động huy động vốn
B5A@=*+! 1JK(?&N &1MH1&G1'( ! 
1JK(?&5A@=@JY1MV1H1MJ^1Z45+&',%)1&G†&31&G%+A%
(=19B5Sy=,Q5A@=%B\OŽ+45A01@H1T&D$.?1
@=*+! 
! Z5A@=%B-JT&L1#h
Q1&G†&*+1d#3!% 1d#18-)-JT&
L1#1&G†&ZŠ?31&G†&\L?% 1&G†&>•@S
&'1+(3.?&1'% 
1 #|1&G†&3Š,&05% &RA1^\&@<5A@Z%B
*+1d#3!1M.JT% . &JT&B@B!  JT
R,Q
+A%B*+1d#18-).?1@=1?&&'1+(% 1d#18
-)JT. &
+A%B•?*+!  JT-JT&L1#1&R,%B
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
;
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
L1#5A@=%B1b.45A@H*+!  JT
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n!J /72/€ /€"2 7"C2"
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 /7EC2 272/72 €€7/7
( Nguồn: báo cáo kinh doanh chi nhánh Hà Nội)
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9B A@{1<&'9:1$1MJWMR11B1%G(f118-)&@{@,#1B1
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J^45D>LD% 1JK&'5*+! Z
1.1.3.2. Hoạt động tín dụng
! ZR,18-)>•@S&'1+(3.?&1'% % 
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  JT
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$1 &8*+(L% *+J^&>D.N{1MJT&.%+A&<(1M+&(91
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
451ML%+A%B39†-)%B%+A31MDY*+ 3\45AGR(-#1%&'

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1?&H@H*+8,*%G@D(>D.1&G%+A*+1d#18-)3W&&'
 %&,?(Y,@S18-)% J^&>D.N{Z1:&'.f1:
&'Z@[Ž+%)>D.N{1b.45A@H*+,,N5Q1
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1d#3!1b.45A@H*+!  JT
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(L%T&! 3\>D.@D(.%&'>D.N{*+! 35R,@IA@*
8`1Z1&% 1 &N&'5N&V45+@0%&'>D.N{&<(9.1(X&.?1@=
N&V45+@0Ž+%)>D.N{31ˆB&>D.N{@B&%T& Z5A18
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,&05% &RA1^\&•?@B&%T&1d#18-)
.15V1 &8
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81M:15=! *45+Z1A.15V1 &81d#% .?1@=
1b.45A@H*+,,N5Q1% @&G5'Z1A
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E

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1.1.3.3. Khái quát kết quả hoạt động kinh doanh của chi nhánh Hà Nội
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SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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1.2.1. Những quy định của Ngân hàng TMCP Đông Á với hình thức cho vay theo
dự án đầu tư
1.2.1.1. Đối tượng cho vay
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-+3!3=&+@L31dY,1
 JT. &>+.S(,,!JT. &
1.2.1.2. Nguyên tắc và điều kiện vay vốn
 \$N:,,N5Q1-!9:3$N: %&-!9:% H5
1M&'(-!9:1b.45A@H*+,,N5Q1
 \()@89†-)%B%+AY,,,
 \D$1 &8@D(>D.1MDY1M.1^&?+(01
 \%B1:\1+(&+% .-:3,JK9D`5R13& +3
-H%)% .@^&9Bh1B&1&<5E•1d5I5%B@B&%T&.%+A•?%
2•1d5I5%B@B&%T&.%+A1M5% .- &?
 \1LL& +\&'545Dh\N{&3\5S15d@H
@<1MDY! ‘1MJ^Y,>HNŒ1L,D&\,JKD1&•,)NŒ@D(
>D.1MDY1M.1^&?+(01
Z\Y\@&.fY45?1MV711?&! Z„
 \-:3,JK@I51J39D`5R1& +3-H%)D1&3

\&'545D‘.f\-:@I51J3,JK,)%5@^&9B’(1b.,JK
1MDY&'545D
 1:&'45A@H%G>D.@D(1&G%+A1b.45A@H*+
8,*3!  JT&'1+(3! Z
1.2.1.3. Mức tiền cho vay
1.2.1.3.1. Căn cứ xác định mức tiền cho vay
! `@H(#.%+A@B&%T&(=1 -:+1MV$#9+5h
5I5%+A%B*+ 
#%B1:\*+ 1+(&+% .-:3,JK9D`5R13& +
UN'.%+A1B&@+9.%T&&1MH1 &9D@D(>D.1&G%+A1b.45A@H%G@D(
>D.1&G%+A*+! Z
D$. 1MDY*+ %+A
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
D$5S%B*+! ZJZ@JY%JY1
45(#*A45AG,45A01.%+A*+d&(@B.f&(@B&
05%JY145,D&1MLNVR,1MV,V-5A'1
1.2.1.3.2. Giới hạn tổng dư nợ cho vay đối với một khách hàng
d-JY.%+A@B&%T&(=1 Z%JY1452•%B1:\*+
! Z1?&1^&@&<(.%+A
1.2.1.4. Lãi suất và phí cho vay
Š1MDY…B% N{&‡*+.D%+A3S(D1^&&+!?3% 9B1&G
B1MDY.(Œ&Š?@JY1e+15Q&]+! Z% 
 $#% .h@f@&<(9D`5R13& +3-H%)% D$1 &8315
Q,35S1MDY*+ 
1.2.1.5. Thời hạn cho vay
! Z%  1e+15Q1^&?.%+A$#
% .5Š9D`5R1a& +31^&?15S&%B*+,JK•-:@I51J3
D$1MDY*+ % 5S%B.%+A*+! 

1.2.1.6. Số lượng dự án vay vốn được thẩm định tại Ngân hàng TMCP Đông Á
&'+A! Z*A05,11M&<(D9D,F(>
N‚315A&V&',%).%+A1b.-:%_@JY[1MXM.$(EE3
! Z& =&@{1&0 1F(@H"-:% .
%+A1d9B1&GN 2E1Uc+$(E3! 1&0 1F(@H"2
-:% .%+1d9B1&GN CE1UJ%QA$(E1L9BNJY-:
`&%+A%B1$"-:3J1d9B1&G.%+A1$NVC1U@S .$(
EE3-:`&R,%B1?&! Z& =&1Q,1M5
&G5R1% .-:•?…E-:‡3J-:- &?N?&&0(9B
%B@I51JMR1NT3KD+&N.?&N?&
0$(E3 1LL&103~J @HJT,11M&<*+
! ( 9B-:- &?@JY1F(@H% 1d9B1&G.%+A~&D(9.
%T&$(EE%GD&1MH% 1U1MX1M.D/N.?&
GKYZM #[\]&LD$%
(Đơn vị : t^ VNĐ)
&LD$%
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ZM
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.%+A•?
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.%+A1M5?  /72 / "2/ 2 22
.%+A- &? € "/ C ""€ 7 "2

SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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( Nguồn : báo cáo thẩm định Ngân hàng TMCP Đông Á – chi nhánh Hà Nội )
1.2.2. Thực trạng công tác thẩm định các dự án đầu tư vào ngành dệt may tại Ngân
hàng TMCP Đông Á
1.2.2.1. Đặc điểm và yêu cầu đối với công tác thẩm định các dự án đầu tư vào ngành
dệt may
<\1<1F(@H-:@I51J% .NŽ%:-'1(+A(=18`3
.+X3@D(>D..! \1<M+45A01@H.%+A@[@•1LI,D&
N (M‰@f@&<(*+-:@I51J% .NŽ%: Aˆ]@f@&<(@\1L>=
1F(@H(T&\1<`@H@JY=&-53AV5I5&1F(@H-:
@I51J% .NŽ%:-'1(+A
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@\@I5,D&@JYNJ51!(
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J1:55N?&-:% . -'1(+A\]@f@&<(*A05
9+5@!Ah
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B@I51JZ&G5% 15S&%B+
11M&<(?W1R1DJT1MV10&T&
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
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1.2.2.2. Quy trình và thẩm quyền thẩm định
1.2.2.2.1 Quy trình thẩm định
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Quy trình các bước thẩm định dự án đầu tự tại ngân hàng
TMCP Đông Á
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E

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Bước 1: Thu thập thông tin và tiếp nhận hồ sơ vay vốn của khách hàng
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SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
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9W@\3yNQ,(=1@G`5R118-)†&NV,5DNO18-)`†NO
MJ^Y,@& Z@*@&G5&'%+A1?&! 3y
|@JY,•,1ˆB&9+5&@JYMJW•\•&(@B•\&(@B&
R,15Q…1ˆB&>•%$>D05 @{\@GH15V1 &8
>•%$>D‡
Bước 2: Lập Báo cáo thẩm định.
:&'hPn
^&&+`†NO1B&@+N E AN (%&'<1ˆ AQ@*S9K1ˆ
 @B&%T&-:\?(#15=1F(45AG,45A01*+&(@B&‘
N E" AN (%&'<1ˆ AQ@*S9K1ˆ @B&%T&1MJ^Y,

MVK9W1Z1&151Q,@JY1ˆ8 % 1ˆ5S
V3>=PnNQ,y..1F(@H
 B&%T& N  +&',3>..1F(@H\=&-5*A059+5h
Z1&5%G % @GH15V%+A*+ 
&S9K,,NO*+ % .D%+A
0145D.@&<(18-)% ,!N.?& 1b.45A@H
&1LL1 &8% ,&1 &8
&5A18*+ +&',1M.45+'18-)1?&! % 
d#18-)
&18D1&% &'545D*+-:•,JK`&%+A%B
&1 &9D10R,…05\‡
&D$15S&Y% ,JK15S&Y…1MVK9W@&
N.?&M*&M.\1<`DAM+‡

01N5Qh>=Pn&M‰45+@&<(…&‡\@SO+AZ@SO.
%+A% …&&‡@&G5&'’(1b.
 B&%T& N !3NQ,>..1F(@H1b.,)N)@8’(
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
7
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
c+5&NQ,y..1F(@H% O1V3>=Pn1MLMJWPn
&<(1M+N?&1Z1&1?&y..1F(@H% &O&0M&V…05\‡% O&<(
9.1
y..1F(@H%T&@IA@*]O*+>=Pn% MJWPn
‹1. >=S9K&RA1^\N&V45+9+5@\@JY1ML&(@B&O
-5A'1
Bước 3: Lưu trữ hồ sơ
>=Q>..1F(@H\O&0% ]O1ˆMJWPn
‹&(@B&1:&'h
PRA9B1^1ML% @\-R5&,N+&% .9B1^1ML1F(@H35A<>DB
.,Pn1&0,1)1)NOS9K…O&+.Q‡
.1.>..1F(@H% 1:&'NJ5S9K1b.45A@H
1.2.2.2.2. Thẩm quyền thẩm định dự án đầu tư
c+5&1&0,QS9K%+A%B*+ 3>=18-)9g&V
#53 1F( @H  @&G5 &' %+A %B c+5 @\3 >= 18 -) NQ, y. . 1F(
@H&V(^1ML.%+A’(S9K%+A%B1MLNVMJW,18-)
MVK9W1^1ML*+>=18-)’(S9K%+A%B31MJW,18
-)`b(`•1&<(1M+31F(@HN?&% &O&0% .^1MLn:1MVO&0*+
1MJW,18-)3>=18-)AV5I5 >d95S9K1 &N&'53
1F(@HN?&>d951^1ML% 9.?1D.%$>D1MDN^& 051ˆB&
.%+A
c+5@\31MJW,18 -) 9g &<( 1M+ N?& =& -5% 1MLNV N{@?.
45A01@H05.D%+A15=45AG,45A0139+5&&<(1M+NI5B&S
9K,,NO3S9K%+A%B3y+N{@?.9g45A01@Hh -5A'1@SO•Z@S

O. %+A3.%+A\@&G5&'05 .D %+A%JY145AG,45A01h 9g@JY
=&@S18-)•>+1F(@H-:! R,1MV,V-5A'1|&@JY
,V-5A'13\1Z>.3! (T&@JY,•,&D&!
1.2.3. Phương pháp thẩm định
1.2.3.1. Thẩm định theo trình tự đi từ thẩm định tổng quát tới chi tiết
Phương pháp này được áp dụng tronghR1D=&-51F(@H
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
;
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
b.,JK,, A3>=1F(@H9g1&0 1F(@H1ˆ1d451
@0.1&01301N5Q1MJT9gN (1&G@G.01N5Q9+5h
F(@H1d451h@JY1&0 &1&0,QS9K(  (+
1T&& (+S9K%+A%B@0! 3>=,1&0,
QS9K% &<(1M+1d1<1. >=&RA1^\1M.>=S9K@\3`b(`•19:@IA
@*% Y,,,3Y,N8*+1ˆN.?&&RA1^3&<(1M+1J,,N8*+ 
c+5&@{&<(1M+% 01N5QS9KY,,,3Y,N'1L5A<9+>JT1&0,1b.
N 1F(@H&1&01=&-5S9K 3S9K-:3S9K1 &9D@D(>D.„
 F(@H&1&01h@JY1&0 9+51F(@H1d451&'1F(@H
 A@JY>=1F(@H1&0 &1&011|(|3&1&011ˆ=&-5*+-:1ˆ
1F(@H@&G5&',,NO@01H1MJ^3615Q131 &8*+-:Œ&X&
-5>=@G5@J+M+O&0@&5A&V(#@=1Q,1M5\1<
+51‹A1ˆ-:)1<
1.2.3.2. Phương pháp so sánh, đối chiếu các chỉ tiêu
Phương pháp này được áp dụng trong:
 F(@H$N:,,NO*+*@I51J% -:h`@H18Y,NO45+
%&'9.9@B&&05%T&%$>D,,N5Q1N&V45+31b.45A@H*+ JT
 F(@H1 &8-:45+|1&V533jj
 F(@H615Q1Z'3]=&-5(  +A%‹\1&V5
5F615Q131&V55F&103`!A-:„9•\
 ?&! Z,JK,,9.9@B&&05@JY1&0 

1b.(=19B|1&V59+5@!Ah
•&V55F%G1&0103`!A-:.f@&G5&'1 &8( -:\1<R,
Q@JY
•&V55F%GZ'31&01>H1M.45+'&0NJY@I51JZ'
45B&+345B10
•&V55F@B&%T&N.?&9D,F(*+-:( 1H1MJ^@&e&
•|1&V51dY,JKR5%B@I51J395R1@I51J
•@H(#%G9D`5R131&V5+.$NJY35AVN&'53!Z31&G
NJK38,845DNO„*+ 1b.@H(#&1081#.f|
1&V50.?% 1:10
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
M.451ML1F(@H3>=1F(@H@{9†-)]&&'(
@[011M.451ML1F(@H-:1JK1:@<9.93&<(1M+18Y,NO3
181:10*+&D&,,N:+X…(#&,8@I51J3KR5.D()&,83
|1&V51&V5+.5AV%Q1N&'53&VN&'5+A&,8\&5„‡
•|1&V5%G&'545D@I51J…W(#1M5>L1&V1&0‡
•!189.9N:+X,JK1B&J5…@H+@&<(`!A-:3XZ
'1&01>H3&D&,,615Q1% 1d#`!A-:„‡
•1UN'1 &8 +&',,‹Y,%T&JT-_&' *+
JT3*+ @B&%T&1ˆN.?&L +&',
M.%&'9†-),JK,,9.9 A3>=Pn@{MR1NJ5O@0
|1&V5-‹@<1&0 9.9,D&@JY%Q-),‹Y,%T&@&G5&'%
@f@&<()1<*+-:%  +&',31M5AJT9.9(A(\
#•
1.2.3.3. Phương pháp phân tích độ nhạy
Phương pháp này áp dụng trong: F(@H1 &8*+-:3&<(1M+@=
?A*+|1&V5&'545D1 &8*+-:…3jj33NY&5Q„‡&
A051BN&V45+@0|1&V5 A1+A@d&

 !18@=?A*+-:N `b(`•19:1+A@d&*+|1&V5&'545D1 &
8*+-:&A051B\N&V45+@0|1&V5@\1+A@d&JK,, A
&[,Q>&01@JY-:?AD(%T&A051B .+A\&N A051B
 .!AV9:1+A@d&&G5R1*+|1&V5&'545D`b(`•1@<1ˆ@\\>&',,
45DN8[1M.451ML1:&'-:‹A1ˆ-:>=1F(@H\
1<9†-),!18@=?A(=1&G5.f&G5&G5@<&<(1M+@=%]•
*+-:=?A(=1&G5N .1ˆA051B1+A@d&(=1% `b(|1&V5&'5
45D>HDJWJ10 .,!18@=?A&G5&G5N .@S1^&+&
+A&G5A051B1+A@d&39+5@\&<(1M+@=>&0@=*+|1&V5&'545DZ
1J^,JK,,,!18@=?A(=1&G5@JY,-)&G5K%L\
@K&D31M.&,!18@=?A&G5&G5\,#1?,KJ-‹@=
?A&G5&G59g&[,@&8`K>W&%L1M.1:103!1B
Z,D&1+A@d&1ˆ1#(=1( N5Z@S1^&>&0@=
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#@=9+&N'9.%T&-:&0*+A051BDJW@0-:1M.
]1L5B`R51J^@JYZ1AX1ˆE•@0E•-:+1MVK9W,!
18]1L5B@\@{`DAM+1M.45#3&'1?&% -:>.1M.]$(
1JKN+&05-:%_@?1@JY&'545D<D1M.1MJ^Y,\&G5>R11M•
,19&@S1^&1L@\N ]-:\@=+1. +.M.1MJ^Y,JY
N?&3I,D&`b(N?&D$`DAM+1L5B`R5@\@<@G`5R1>&',,
]5&'5•(•,)+A?0[
1.2.3.4. Phương pháp dự báo
Phương pháp này áp dụng trong: F(@H1H1MJ^3&<(1M+188`
*+JTNJYI51H1MJ^9D,F(3&>9D,F(39DNJY-:&01&V51)
@JY„
M.&V#5%G-:3>=PnW! Z@{9†
-)]9BN&'5-:>.3@&G51M+1ZV@<&<(1M+5I5*+9D,F(-:
1MV1H1MJ^3&DR1NJY*+Z'31&01>H35AVN&'5„3DJW

1M:1&0,@0&'545D318D1&*+-:K9W*+,JK,, AN 151Q,
9BN&'51BVN&V45+@0-:&V#51M.45#% 1M.&'1?&39+5
@\1L(M+45AN5Q1,11M&<*+@B&1JY&V#5% @J+M+-:>.%G@B&1JY
&V#51M.1JKN+&,JK,,-:>.1J^@JY>=1F(@HW
Z1A9†-)N h,JK,,e&O&05AV&+3,JK,,@H(#3
,JK,,9†-)'9B.&{*+I5
1.2.4. Nội dung thẩm định
1.2.4.1. Thẩm định khách hàng
)@8*+Z1 AN 1L(&<5% ,!18%G 31J%
$N:,,NO3$N:@&G5 3$N:45DNO9D`5R1& +3(ZL
1d#3>B1M8N+.@=1M. +&',
1.2.4.1.1. Tìm hiểu chung về khách hàng
! 9g1L(&G5]1Z1&-‹@<@&5%GD$
&'1?&~J18?1M+*+Z1A1M.1JKN+&3Jh
PH9†Z1A
]1+A@d&%G%B\,
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
E
Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
]1+A@d&1M.K045DNO3Z'.f1&01>H31+A@d&1M.
9D,F(
PH9†%G451MLN&V013Y,13&D&1<
P.?&L& +&'+A*+Z1AN L
8+?81MH% `{=&@•9+5.?1@=& + A
&G5&'@H+NO
!AN @&G5&'I1&01@<>&01N&'5Z1A\1<@#%]1MJT]
1+A@d&>V. &~JD$(WM=.?1@=
1.2.4.1.2. Điều tra đánh giá tư cách và năng lực pháp lý
5Š1b.N.?&L +&',3051&01NQ,45+18-)NI@I5,D&†&
@0K&.%+A&RA1^…>D9+.\Z#‡9+5h

–5A01@H1 NQ, +&',hD&V5M+@JYN @K%H?1.@=
NQ,+A,)15=a1^&?45A01@H
–&G5N' +&',…1Mˆ +&',1J!‡V51\(1•1@&G5N'J
45AG?Ž+%)%G1 &8*+n@\
–5A01@H >d&'(*1H=& @S45D1MH…05\‡3d &(
@B…&(@B‡h&(@BN J^&J10 .“@{\>+.&V5$(1M. “
1ML@=5AV(ZM+9+.“
–5A01 @H >d &'( 0 1. 1MJWh N  J^& J 10  .“ @{ \ >+.
&V5$(1M. “1ML@=5AV(ZM+9+.“
M. ] $( I @!A >+ N{ @?. Z 1A J 10  . \ 1+A @d&
Z30145D& +N{&+ANŒ„
–$O& +hV5M‰(f1 & +*+1A
–&RA,•,@I51J…@B&%T& +&',\%B@I51JJT. &‡
–y&V>D\,%B3-+91 %&V9NQ,…Z1Ad,I3Z1A
3Z1AY,-+‡
1.2.4.1.3. Vị thế của doanh nghiệp
H10*+ +&',9g@JY>=1F(@H`b(`•1@&-:+% .
>D9.9|1&V51M5>L %G +153&,83NY&5Q„
a, Sơ đồ tổ chức và bố trí lao động của doanh nghiệp :
<&'W(=19B|1&V5K>D9+5h
5A(Z.?1@=*+ +&',NT+Ae
KR51d#.?1@=9D`5R1& +
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E

Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
cBNJY1ML@=N+.@=
KR5N+.@=1M:1&0,% &1&0,
89% 0145D15A<-)
&'545D9D`5R1h +9B1MV@I5J^&3&'545D*+&1MH&+1$
ML@=615Q1h1ML@=*+69J831LL@I51J% .

Z1&V#5% ,11M&<%GZ'
b, Tìm hiểu và đánh giá khả năng quản trị điều hành của ban lãnh đạo
]1Z1&W,I AS(\h
n+9>+N{@?.Z1A
ML@=5AV(Z*+>+N{@?.Z1A
D$3&&'(31#45DNO3@?.@#*+J^&N{@?.+.
R1% >+@&G5 
A18*+N{@?.1M.% . & +&',
D$•(>•11H1MJ^*+>+N{@?.
y+N{@?.\D$45DNO-:+% .1Z1&1 &8Z
c+5 & 1F( @H >JT  `. >=1F(@H ,D& \ Q `•1h V5 NV
@JY +&', AN Z1A?1.@=NQ,+A,)15=3N  +&',
 JT+AN.?&L„\@*1J,,!+AZ
1.2.4.1.4. Phân tích đánh giá khả năng tài chính của khách hàng
•(()@8@&1LL1 &8*+ +&',\N (?+A
Z31LL.?1@=9D`5R1*+1A3(#N{&NŒ&*+ +&',@<1ˆ@\
`@H`b( +&',\D$1MDY+AZ
>JT1&0 h
yJ Th&<(1M+188`*+>..1 &8
=1@&G545+1MXN ,D&&<(1M+188`*+>..1 &8*+
 %+A%B1MJT&>•1@I5@&% .,!18[>..1 &83<
D]>..@{&<(1.3&G5&Z|@JY(Z1D1b.JT18:\
-)O3( \1<%Z1L>H9+&N'
yJ Th ! 183 @ & 1L L .?1 @= %  D $ 1 & 8 *+
 
yJ T/h!181LL45+'%T&! 
 >= 1F( @H `b( `•1 1L L 45+ ' %T& !   *+   
1MV] 8+?9+5PJ5OM•%&' 1L(&G51Z1& Z| -ˆN?&W
1LL&'1?&3( D1LL1M.45#3>+.S(h


ƒb(`•145+'18-)
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
–B&%T&& .%+A% D'1B! Z
h -JY3 () @8 *+  .D %+A3 (# @= 18 &'(3Z\Y\@&3Y
45?1MV71
–B&%T&1d#18-)h-JYI@!A3()@8%+A%B3(#@=
18&'(
Q`•1h,D&@&@JY1LL1 &8*+Z1A@J+M+@JYQ
`•11d451R1$&D(.D,D&159.%T&%B%+AJ10 .31$
&D(%B%+A9.Y,D&1MD1LL 1S.J10 .3D$1 &8
*+ 1A1B1+A`R5. %&'@I5 1J *+ !  $#% . 1&V58,!
N.?& +&',( >=1F(@H1:`0,N.?& +&',
LL&-g$W$%
>=1F(@HI151Q,1Z1&%Gh
cD,F(*A05*+ +&',
H,I*+1ˆN. &9D,F(1MV1H1MJ^
?NJT&,!,B&9D,F(
D$?1M+
@B&1*?1M+*A051MV1H1MJ^
#@=18&'(*+>? h&0NJY& +1M.1^&&+1T&
89 
    45+ ' &+. -H \ D JW NT @0 .?1 @=9D`5R1
& +*+ +&',
LLhW$%
D$1 &8*+ %+AN D $%G %B31 &9D*+ 
 %+A@<>D.@D(.?1@=1J^`5AV% 1:&'Ž+%)1+1.
S9K1 &8*+ +&',@<N ($#1F(@HS(\h
y..01.$(N&GG%T&1^&&+`&%+A)1<h

–yD!@B&01.
–0145D& +
–5A01(&>..1 &8
–=19B1LL1 &8@0 A`&%+Ay..&<(1.…05@{@JY
&<(1.‡01Y,%T&1Z1&
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N&'5
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.DY%+A1?&! „…15Š1MJ^Y,)1<@<AV5I51A5R,‡
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SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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Chuyên đề thực tập tốt nghiệp GVHD: TS. Nguyễn Hồng Minh
MJT 1&V `b( `•1 d 1 & 9D %  1d 5S 9. %T& $( 1MJT 1$ +A
&D(“…1$1L\Ž+N Z1A(WM=45A(Z.?1@=& +3&D(\
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G5S%Bh
–5S%B*9W]5h9.9%T&@I5$(hc.91UN'•1MV1d5S
9B@I5$(% 5B&$(@!AN 1U95R11:1 &1MY=> 1U95R1 A +.1L181:
*%G1 &8*+Z1A1A NT
–5S%B& +h$&D(M+9+.“5AV!1$&D(h…1$
1:>d95+A !9R,‡
–: >d 95 >• 5S  .“ NY& 5Q +A \, %B *+  d@Z“\,
%B1L\,>• .“
Y,D&1MDh1$&D(J10 .“…1UN'9.%T&1d5S„‡
–Y%+A•?h1$&D(9.@I5$(31UN'1MV1d5S3%+AW@!5,D&
\&1&013\Y45?+AZ“
+ D&1MDJ^&>h,D&\&1&01% 9.99.%T&@I5$(
+ J^&(5+1MD1MJTh,D&\&1&01% 9.99.%T&@I5$(
+ D&1MDh,D&\&1&01% 9.99.%T&@I5$(

–Y%+A- &?h+AW@!5“%+A@<@I51J% .()@8L“„
G1 &9Dh
–&Gh
– .D ,D& 15h,D& \ & 1&01%  9. 9 9. %T& @I5 $(…D&15
*+ 3MD1MJT.J^&>3.D,D&15‡
+  1S.h,D&\&1&01% 9.99.%T&@I5$(
– &9DB@H% @I51J- &?h
–& ,8 `!A-:K>D -W -+h ! 18 N  ,D& 9. 9 %  1L( 5AV
!1$&D(
'9B1 &8h
ijM$k&l(jK]#"-m,[k&
'9B A-‹@<@&D$1+1.5*+ +&',05
\NTK1LD$1+1.*+ +&',N 1B13J05\45+.
1L +&',\MR1&G5e+,D&153 1S.% \45&G51&G 
MŒ&05\eK1LD$1+1.*+ +&',N 1R,
SV: Nguyễn Mỹ Hương Thu Lớp: Kinh tế đầu tư 51 E
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