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<9NGO/*0"G;LM*1&H" 70%$"!9 !
P"#$ %#&'#()&$*+, #$ )#/01/2#,345&60&)&"0#$#($ %7/80
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-B&$CB890""-*0_`
U9""-*70:0"W6


 !"#$%&#'()#(*+ %
,-./
0'123!!# 
 !"#$%&#'()#(*
+ %,-./
V1*E"l"Q <9"G"P0E"$"*""-*
70DoPIOGPb0(DD*DQ`?0e01lC"l+R<9Q
Q"-*%K3"IG1OY9""-*70 %JW`
?0"'9"J0WG1<=&F@M(41N#$BO F D#<919
O"GY('< "G;LM*1&H",l_pn<9 1P
1701%G_E"l"-*0_`
Em xin chân thnh cám ơn !
 q Hong Hng Minh – KTĐT 51E
VC!YZO[<\YO
??]O?^?_`_
<?_OU?<O@X\C
CMCM G $ %4a#(b40##(;#$#(<345/$)= >#? %0+&$ #$)#$@A
 0"-B&$C
CMCMCM 4)=c#$$c#$$#$/7$)= >#M
r S0cc1Y"Je="*"O0_L0=a&P$1 "
Q*lD*P$P$HGDL*1&H"*71%$H
q^m@2mU"-*&G0"'923<9GO/*0`
r S0S03iccrcc>j6Y="Y*3<=DE8*1($0_&s1 (
0="f<=)<9X<Z;L*1&H",E"<9199+eDt"0
<Z%J8K"eG<'DG"<9G00DGPO0*D5&Z<1"G"&EG3"-*
"G"U(9<=D<"eG9S0g:
r S0S0$7189*1 PL(icc^rj"O=0 0o+D*
1 (P&1*<9 "1GP$"-(71"W"$H`Uu<"0L(
0 8="G"%v$P0)M*1&H"<9OP*19&"G"<Z'9
W0 0L(PG"9

r 2$GmPg0S098l"k89S031*1 
w>;L*1&H","QX9DJ c`cg:(< >`q^g:&C
1<*T`A>g:<94&H"<Z9"Z"g:
r M*1 ^rA9'9Y="<91*1 GOY<x<9(
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"WDL<l"e 0 8=(
r M*1 A$*9'99"4Q<9P$/*0
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Y="$%*!1<""OX0I_X"]"Q<91 (P&1*
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O-1<9"0IQ*"G"0y1 (<Z'9'"*1S8E"" 
*G]W"G""[0E""-*0('9 $
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Phòng quản trị tín dụng
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dịch khách hng cá nhân
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Phòng giao dịch khách hng doanh nghiệp
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Phòng quản lý v dịch vụ kho quỹ

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Phòng thanh toán quốc tế
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Phòng kế hoạch tổng hợp
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  Hong Hng Minh – KTĐT 51E
Phòng điện toán
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 ;MV
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Phòng tổ chức nhân sự
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Văn phòng

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P&1*"k<Fl!a8E*"!PG"9+e4&Z
[0GGPG"9WG&EG<*<+70+R"G"-1<9Y
G)a*```/_<l1*%*"IG"4&Z"-*G"k
, C"0(DP$%Je

Sm#(CMd!c#$$c#$|#-j#(&60@C}S?( 0 ,":#dttu{dtCd
Đơn vị: Tỷ đng, %


$s D4 i+
dttu
i+
dtCt
i#(
=5A#(
i+
dtCC
i#(
=5A#(
i+
dtCd
i#(

=5A#(
a#(-5#~|#
-j#(
xMqtw xMxzd zhzxy uMxKq CChCx
y
CtMKC
d
zhzuy
1 Theo thnh phần
kinh tế
8.307 8.86
2
6,68% 9.853 11,18
%
10.51
2
6,69%
r 1  <*  %"
&1*
`TA> `qqc r
^d
`^q r>d `A^ qqd
r 1<*19
%"&1*
T`T^ ^`A ^d q`^ A^
d
q`^A^ ^>d
2 Theo thời hạn
vay
8.307 8.86

2
6,68% 9.853 11,18
%
10.51
2
6,69%
r t  `c> `^ >d `^^ A T`^ AT
  Hong Hng Minh – KTĐT 51E
d d
r &9  >`>T >`>cc T>Ad ^`q c
d
>`AA r>^cd
3 Theo loại tiền 8.307 8.86
2
6,68% 9.853 11,18
%
10.51
2
6,69%
r /V ^`T >`Tcc rAAqd ^`c TA
d
^`>A T^d
r 1 %X `q `^ Tqc>d `>^ >c>d T`T A
d
(Ngun: Báo cáo xử lý dữ liệu hng ngy của Chi nhánh Sở Giao dịch 1)
@*YJD8`1e6X&C4&ZSL%*"G"O0
<9"(SL4&ZPG•y"YS0"(SL4&Z
 AdD1<=`S0890(S0PQPS<=P$Q
"<99'9Q`2$S0"(SL4&Z"-*
G"k, C"^^cdrW1__P$y

PQPS*09<Fu01= 1R`
1"e8C4&Z6/=W"'0y*194&Z893
G8I8E*"!"G"PG"9&EGsCPO0D1G"e8C4&Z
u0J0YJ1x"f1"e8C4&Zy*"ZO6
Sm#(CMq!<p•2&$s D4&$fn5~#(|#-j#(&60@C( 0 ,":#dttu{dtCd
Đơn vị: %, Tỷ đng


$s D4
i+
dttu
i+
dtCt
i#(
=5A#(
i+
dtCC
i#(
=5A#
(
i+
dtCd
i#(
=5A#(
 g8CQ0 ^Ac
d
>c
d
r
TAd

>
d
cTq^
d
q
d
rqd
 g8C+e 
d
^
d
r
A^d
^d r
>>>^
d
T
d
qAq>
d
 ;  &  %v  &E
)
A T r
>d
 r
q^c
d
A Td
(Ngun: Báo cáo chất lượng tín dụng hng tháng của CN SGD1)
@*YJD8"QOeG"k*"HJL+ea"("

P-1JP$6G"&1*yPQPS11 (P$%J1 
(P&1*YHDpJ0&)"l01```&F$YH"OQ0C•y"
Y89S0g8C+e<9CQ0"-*G"Q&eS8y"
Y89g8C+eS$qAq>d`'"e8C4&Z"-*G
DJ089&1"G"&1*yPQPS11 (<9"llYG1
"G19"4S0"-*"G"&1*<91 P$&1*
YH"OQ0C")<="G"PG"90=&1*<FE"
$"l"G"PG"9Q0__9"4__1 (DJ
+eP&1*`
  Hong Hng Minh – KTĐT 51E
55@5@5 A1/C
1*1 GO"W"e&H"<Z,"QDE*X‚71=*& Q*
DJ[0<9CPG"9•a"|"fl<911 (*1GYJ18,
*C"0L(*8.<E"PG"P&1*1 <="G"DJ[0G
DiG]"31 "WDL "$*-1gG1PG"9Yu
81 _*1&H"6*1*Pƒ 1GX%"!„j•*1GQ*W*1G
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YJ1%JD5&Z<<*<9&1*"Q:KOJC'9`
9+ &6!H8PGH2JQ7/ MQ N
R!K=G=S
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"G"V1*<a*<9b<FD5&Z"G""I8 "l9Do890JL
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PJSJC1'9`/_$P$9"IG"[0"G""GY(4&Z
"3y"Y"p!$[0P4*" P.l"-*&EGJ+70+R"$"G"
"I*&*0G0Q"$YH09&1*D5&Z1&EG<*<"IP.
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*PI
 ^ Hong Hng Minh – KTĐT 51E
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r†90"WDL*0*QK<e1-3 1POJ0YJ1%J
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r†90"WDLO+G"HGH1<**1<*&EP$$(J'
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5050505S9 !"#$5
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I8%"$O[0&EGQ"<9[09"4&EGQ`
* H sơ trình thẩm đinh bao gm:
‹:DWG8K6
r @$98l&1*SPKP&1*e"]l3e
R9i$"Qj
r 28&1*
r @$YX0"-H"(:%JHXG0"G0"
r @"$9"4
r @$*1<YYJQ<&*DG"9<DG8l
r C:8&1*i$"Qj
r G":DWPG"
‹:DW9"46
r #$1 "DJ+eP&1*C""e"Q[0%&
r UG1"G1P&1*S08P
r UG1"G1PO01G
r UJPD&<*YJ18,0L†m "G"X"]"4&Z<9X"]"9"4
‹:DW&EG6
r MeH<*<
r VEGWGDJ+eP&1*
r G"81 C:10*YG9Q*""e&H"<Z<9e"Q8%*
‹:DWYJ1J0<*71%
* Căn cứ pháp lý bao gm:
‹G""$8C"%1 "P$1 ""-W"4DG"GOP$r+,(
"-*9=""-*9"-*H*W
‹G8l<9"G"<SYJG8l":068l&1*
8l+'&E8l8*1(8l0I8le*8lDLx48l$i$
V<9$/\j8lP1GDJ8l9„
‹G"<SYJG8l<9%"Q8%*E"$=1 (38l
38le3<9I8%*E"$"-*8l9`
‹@$D>AA>m@2rN9Ammq"-*XMG0"'9

23<9NGO/*01YJ1J0<*<9"G"<SYJD5*XYXD`
‹ HDqAmccm2rN9>mmccc"-*"4-1YJ1J0
<*"-*"G"X"]"4&Z`
 q Hong Hng Minh – KTĐT 51E
‹ HDAAm^m2rN9mAm^"-*"4-12SPK
P&1*`
‹ HDmcm2rN1%J8K"G"&EG3+'&E"I
_
‹ ImqmrU•V1<"=&F0(D(&18l
[0&&EG3+'&E"I_eR+'&E<9X"]"
%J8K3+'&E"I_`
‹ Hccmqm2rN%%J8K"43+'&E"I
_
‹ I>mqmrU•V6=&F8l<9%J8K"43+'&E
"I_
‹ HcqmTm2rN6Y:|C<9G"P9="
:e`
* Các tiêu chuẩn, quy phạm, v các đinh mức trong từng lĩnh vực kinh tế, kỹ thuật cụ thể:
‹G"% 06% 01D5&Ze*1"G"PIHP"I
•% 01.PI1"I_"3"9PI`
‹G""[6"["e"I_"G""[$P$"ZO<=
a81 "I_"[10I"["IPvl"-*a
9
* Các quy ước, thông lệ quốc tế
‹G"="%"$",PKP$x*"G"X"]"%"$*9="<=9
="i19J9PID1„j
‹@"-*"G"X"]"9C<i…UŒ\VU„j
‹G"%v4&Z+eP["-*"G"="
‹G"%1W0 4&ZYJ18,YJ1O0„
CMdMqM$.&=:#($*+, #$&)& )#,345&60$ #$)#$@A 0"-B&$C}S?

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<="G"&EG3"D'"G"&EG!O0%"*"G"&EG71"f 1"-*
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"*1<9"QPJSJC'9`GE"D98!"PG"9"f$"l
"G"&EGE"DE%J"-34S8E",a"Q%*4&Z<=8H"
D5<=UV/:J0YJ1Y" Q "$"e4&Z1"G"&EG"Q
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 ;8C&EG1<* ^ T > T
 A Hong Hng Minh – KTĐT 51E
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(Ngun: Báo cáo tình hình hoạt động hng năm của Chi nhánh Sở Giao dịch 1)
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(Ngun: phòng tổng hợp)
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vốn sang trong phòng quản lý rủi ro
+ Hướng dẫn khách hng lập v hon thiện h sơ.=&FPG"9$8l:DW
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Tiếp nhận /
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Trình duyệt kết quả
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  Hong Hng Minh – KTĐT 51E
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O03e`
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{S5G&d6Thẩm đinh dự án
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811`
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{S5G&q6Lập tờ trình thẩm đinh
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9=""-*9<=&1*"s81 `
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V1"G"8C$PD5&ZW<G9PD5&Z"G""[,"QDŽO
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"G"(&"-*&EG:
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<SYJG8l71%H,Y*9"-*9=""G"HI&]%
"-*a9Da8.<E""ZO"G"<SYJG8l"-*'99="
<9"G"<SYJG8l"-*'9N23<9NGO/*0.
r /=B/F :"GY(4&ZD1DG"$<=__

E"$"G"a7DJ[0‰QH1y""G"&EGWE,‰[0H="
'<9**GG1"Y"3DJ[0"-*&EG`
r /=B=XY: "GY(4&ZD71DG"$<7="G"z7
"[1$P$+'&Ez"G""f<<3D7e3,C"%H"G"
70]"<P.l-*"G"9"G"8.<E""ZO19*"7zGY([0"kD1
DG"$"G""IC"D5&Z<="G""I*"QH<9DE
XY$<9%J"-*"I9`
r ;/=B#B: "GY(74&ZD1DG"$<=
"G""[%J6z7"G""fXC<:<"W"e<`/9"G""f
  Hong Hng Minh – KTĐT 51E
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+BC!$*+, #$.)#P†;1 #($+)1$61, %#„+‡ˆ
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r /GYG6"-3<9I"*b*l<GYG`
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h;7mP‰O4GYG*89"elC"`
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_3
Phương pháp ny đã được các cán bộ thẩm đinh tại chi nhánh Sở giao dịch 1 dùng để
1#H=*BVJ <3#B của một dự án đầu tư
khi có các tình huống bất lợi xảy ra như: giá nguyên liệu tăng, chi phí đầu tư vượt tổng mức dự
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sử dụng trong 897=Q<3=
 !<F=I.Còn rất nhiều hạn chế khi ccác cán bộ thẩm đinh bằng phương
pháp ny ví dụ như việc chỉ thẩm đinh được sự thay đổi của một yếu tố đơhn lẻ trong khi thực
tế thì rất nhiều yếu tố có thể cùng tác động bên cạnh đó lm ảnh hưởng tới các chỉ tiêhu ti
  Hong Hng Minh – KTĐT 51E
chính của dự án. Phần mềw Excel thường được cán bộ thẩm đinh sử dụng khi thẩmh đinh
bằng phương pháp ny. Tuy nhiên, các dự án trong vay với các doanh nghiệp nhhỏ v vừa rất
ít khi được cán bộ thẩm đinhe dùng phương pháp ny để thẩm đinh vì tính phức tạp của
pfhương pháp l không cần thiết với các dự án đơn giản v fquy mô nhỏ.
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- Thẩm đinh năng lực của chủ đầu tư.
- Thẩm đinh ngun ti trợ v cơ cấu ngun vốn đầu tư.
- Thẩm đinh trong mặt kỹ thuật của dự án đầu tư.
- Thẩm đinh hiệu quả ti chính dự án đầu tư.

- Thẩm đinh khả năng trả nợ dự án.
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