Một số biện pháp nhằm ngăn ngừa và hạn chế rủi ro tín dụng tại Chi nhánh Ngân hàng Ngoại thương Hà Tĩnh
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Em xin chân thành cảm ơn!
Chương I
CHẾ ĐỘ PHÁP LÝ VỀ RỦI RO TÍN DỤNG
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I. RỦI RO, TÍN DỤNG TRONG HOẠT ĐỘNG NGÂN HÀNG:
1. Tín dụng trong hoạt động Ngân hàng:
1.1 Khái niệm tín dụng:
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1.2 Các loại tín dụng trong hoạt động Ngân hàng:
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1.2.1 Thời hạn tín dụng:
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1.2.2 Đối tượng tín dụng:
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1.2.3 Mục đích sử dụng vốn:
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1.2.4 Mức độ đảm bảo:
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1.2.5 Xuất xứ của tín dụng:
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1.3 Vai trò của tín dụng trong hoạt động Ngân hàng:
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1.3.1 Đáp ứng nhau cầu vốn để duy trì quá trình sản xuất liên tục đồng thời
góp phần đầu tư phát triển kinh tế:
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1.3.2 Thúc đẩy nền kinh tế phát triển:
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1.3.3 Tín dụng là công cụ tài trợ cho các ngành kinh tế kém phát triển và
ngành mũi nhọn:
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1.3.4 Góp phần tác động đến việc tăng cường chế độ hoạch toán kinh tế của
các doanh nghiệp:
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1.3.5 Tạo điều kiện phát triển các quan hệ kinh tế với các doanh nghiệp
nước ngoài:
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2. Rủi ro trong hoạt động Ngân hàng:
2.1 Khái niệm rủi ro trong hoạt động Ngân hàng:
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2.2 Phân loại rủi ro trong hoạt động Ngân hàng:
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II. RỦI RO TÍN DỤNG TRONG NGÂN HÀNG:
1. Khái niệm:
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2. Nguyên nhân gây ra rủi ro tín dụng:
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2.2 Rủi ro xuất phát từ phía cán bộ tín dụng làm công tác tín dụng:
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2.4 Các yếu tố khác:
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3. Những thiệt hại do tín dụng gây ra:
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3.2 Đối với doanh nghiệp:
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III. CHẾ ĐỘ PHÁP LÝ VỀ HOẠT ĐỘNG TÍN DỤNG:
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1. Quy chế cho vay đối với các tổ chức tín dụng:
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2 .Các trường hợp cho vay, không cho vay:
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5. Bảo đảm tiền vay:
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6. Bảo hiểm tiền gửi:
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IV.VAI TRÒ CỦA BẢO HIỂM TIỀN GỬI ĐỐI VỚI NỀN KINH TẾ VIỆT
NAM:
1. Bảo hiểm tiền gửi thực hiện chính sách bảo về công khai người gửi tiền:
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2. Vai trò của BHTG Việt Nam trong việc đảm bảo sự an toàn và phát triển
bền vững của hệ thống Ngân hàng:
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