Phòng Kinh Doanh
Phòng Ngân Quỹ
Phó Giám Đốc
Bộ phận thanh toán quốc tế
Bộ phận tín dụng
Phòng Kế Toán
Giám Đốc
!""#$#$%&"'($)*$+%,$-.,$)/$,
$)
0123-45 !"6#$#$"7$478""69$-.,$)/$,
$),
%
$
-$,
$,:
$;
!"#$
%!&'()***+,-."$*/,*/,01))-
23415#$%()6*+,".78$/,*/,019$:1
;<-#=$*+,*>,**6=?@AB
C"DEC8F<GHC8IJKI2LJBMN
O25;P6"13Q81RQ-''J!S
I01H<
1$=C8'J!S!&'H4TOJ!4
)?341<
32I?(I!&5I(OU;V5W!;4=I@$B
X1;&01MIY(Z5SNKC8&MTO54TO
M;!1$1!5[:&\I$01IMI
= !]Y^C82(_!45RMI`<
<=#$">-?--.,$)/$,
$),
%
$-$,
$,:
$P8'I$
A@01IA@ !(Y\(1P
CY\PY#A@IC"DY
<<DM!IP
• @P
DM!I01I-C"DYaD
1!;V=#I;V5W01-!MI=\[M
52DTbKc !@Gd=
4<
DM!I_4&!IM!II45W$'5)=
!51$e5I45WMI01I-C"D
Y !T$V01-C"DY<_4
I1!I=f$;_M!&?=T$K!I !
M!&?=AS\(Y=&!IM=:I!I!
)MBg
• 45WP
-$'M4;PMMh&=HMh&:i35
!&4
jI5;!14<
$KJ!@Y<
!51$PO=)=e<
k!I\5)<
k!I45WW?I(<
k!I':'<
k!IA<
• $&P
Cj;Wd=IY(Z5#MbK_445W<
lBX)52ID:1MI#I4HB
T154_445W !T$V<
HT$115!54$K;W=!&!5:)J?(NfI
5B<
kVf#5T$JR45W1!;V52MI<
<<<DM;!1P
<<<<8'?;W
• @P
;$JR5ZJ'I)T1452MI=V#
OI(OU;V5W01)52MI;!1
4 !)MI=J_
IO\G?1MI<
• 45WP
\(Y=MKJ1?X$05I01\(Y=$K
81=DBT1K_4 !@<
?;!14=MI51$ !T$JR45W=I
I(OO:O!51$=AIdM1101IY5V
@HBT1<C1H=T$VJ!&@1!
!cJR;$4IM!O!51$:O!e=JY&<
• $&P
OdOEMKJ1540IM451$5)01
MIF<
"I(IBWIMI51$5RR(j;W5)51$=
[f$BJ1!A52MIKN5SRJ&01MI
<
_4!51$= !T$V<
mjd=1&=)MIJO]&=$KTI
&=_4I:4I<
<<<<8'1!IT)
JBY(ZI&@=M!O51$=:O!e=n,eB;$4=D
1!IT)_4II4J!JY&=W5WI1!
;V1!If#MU!MI<
• @P
_4;V5WoJ1!IT)!I;!14H
!&'(Of#M;!1f#MU5IIH
XJOM) !]IT$V401
5012<
• 45WP
pV5WP?;W=p,pq=$K
-f#Pn,f#=M)=r$K1<
nX)TOd!&'1!IT)!II5
D1!;VMI<
k52I:'45W01-J!TIJR_4
45W1!IT)5I45WMI<
HM!&5?(IVMI<
VJI4Ir!MI !T$V01-
C"DY<
5fjdM&01MI5r01C"D
Y-<
<<6<DTb
_4I45Wc=5$KJB[5
TOd1!M!Tb<_4I;V5WM%(N=45W=#S#$
[HI:i5I(OTd01MI=MK!I
MI=A!&4!MI=':I!I! !T$V<<<
[H:'I$:)J?d=st='aI:'5BHJR'<c
:4(_TOd01:1e&!=CD
Y.I81Re&SIMK<1$
e51&!'VXIMKJBV1:=f$;_)T14
N:H52MI=&!Y(Z5SN!I$(@&A
=&!!MI<
@#$#$!A'=
$)4=
$-.,-$,
$;
@((N51JD5VJ?01I$'5)W5WX
IJK=5)MZ[=T$VT$=Xu!&'?;W
01=:1e&!IeJv&!I$'
5)<I:4I_4'IH4TOP"1!vBM
!&$'5)GTd=GY5VJ_'5)_
4ZJ'&2$'5);!4T$JR$'5)
_41;&!IIR@$'5)A2!I1!
;VPnV(_=R52MI!&J!M4??
(Ie(#=?;V5Ww]JsIVTOI!w0'RM
5]MIHj2w]Js$'\5)
J5;&GIR@P-$'Mh;&=$'JI
C881x
y
&!\5)T1R@:O!eK:V
JO!;_IX<<<
8OPRR$'5)011
z
EY5VPx
y
\=!&4T$AF<
vB
**/ **{ **+
-$
|
5
z
=}+{={+/ 6=/=}+> =+}/=>+}
~<"MI =}*6=}* 6=}/=/> ={/{=6}
"N& =}6=> =+={+ <}+=>6
<"A@k =*6{=*> =>}>=*** =*>6=6>*
<"M4 }=6/ }>={ {6=6+
6<Mh 6}=}*> =}> {={*
"J;& {=}{+ =6{=+/ ={{={/
<"A@k /6=*+* >+=*} {/=+>
<"M4 6/{=}*6 /}*=+{ >}=6}
6<k$
y
B
z
=J1
z
B
z
}>*=} >=** }><{>{
~~< 51$
•
z
M1
z
+>=+> +}=6* +=>
G:O()4JB]1#$RR$'5)
•
11
z
J!IHf21WKP
J!**/()$'=}+{={+/x
y
\J!H\5)
N&}6=x
y
\=\5)J;&{=}{+x
y
\
551$IA@MI+>=+>x
y
\<
C1**{\5)$'B6=}€(!52**/&
6=/=}+>x
y
\J!H\5)N&>6=>€&=+={+
x
y
\=\5)J;&6/=/€&=6{=+/x
y
\
\5)51$A@MI&H(_Of)=O=6€&+{=*6}x
y
\<$HK;!\5)$'J!01&
O5\5)N&•\5)J;&e!O
‚451$IA@MIKO?5);!\5)51$IA@MI
[He(#1!YI\5)$'<
**+)'JZ\5)1
|
*<6+€(!52**/=
1
|
1
•
*<€(!5Y
z
**{<!
z
(
|
(
|
1
•
1
y
$1
y
;!(
|
M
•
!1
•
•
1MB
z
B
z
Y
z
J!**+
B%&"'($)CD+E$)4F$-.,-$,
$;
$K(1M;!11A=:1e&!Ie
Jv&!_4)I?;W=A@B@5:1T$
JR45W!51$N&=!51$XIJK=!51$J;&
N52I$'5)52(j;W5)=[ZJ'?;W
K1!4TOM;!1=ZJ'=1;&!IIR@?;W=
?_U$&!51$M%M?)52;!142w_41
HA2@=!I5401I:'5B<!1
y
J10'RM;_I=MIK!51$P^_4'1!;V
'j1`_4)?(IMI=ZJ'!51$)52)
MI'sXMMG0)5S5S
T14)52MIJ$)=\[]BMI2<
v?JBJ!**+=Ie*MIj
25MIHT14?;W=J!HH*>MIN&
c:4H}MI2A$5H}MI51$M%M?
&I<J!SX$()MIBW<
p!A2&ƒIv&!5_445W=Bc;„J!
M4&J11$NS1
y
**5IA@?;WJB
V1:0I5•O:O!#I?;W<$B;!
(
|
:B
z
|
!B
y
Y
z
f
z
•
1B
y
MB
z
B
z
Y
z
J!
|
51
y
JY
•
1
|
$B5B
|
(
•
;
|
y
5
z
•
11
z
…
Y
•
|
y
|
1
y
!!
z
81
•
PRR(j;W5)011
z
Y5VPx
y
\
vB
**/ **{ **+
•
y
3
=}+{={+/ 6=/=}+> =+}/=>+}
!51$ ={/=+ =}6=*> =}/=+>
†!51$N& == ={/6=}+6 =}/=>}
†!51$J;
&
}{*=/** {>=} }>={>
1:O()41#$RR(j;W5)01I_4
MI)=)'JZ!51$**{&‚41!$':K4)
J!!&'M;!1T1I01IWKP
J!**/;!1()!51$01I&={/=+R
\J!H!51$N&==R\5!51$J;&
}{*=/**R\<
J!**{)'JZ!51$01IeBJ#
15&>=/€(!52***<J!H!51$N&>+€(!52
***&={/6=}+6R\5!51$;&a6=6€&
{>=}R\<
C1**+;!1()!51$01IO(!52**{
>={€&=}/=+>R\<J!H!51$N&O=>€&
=}/=>}R\5!51$J;&O*=/}€&}>={>R
\<c;„O(!52**{5•iZ!()#<
J!Y#!51$=!51$N&‚Js1!#J!A
;<$'f2)]1;&!IY#\
5)!51$i_4IWBeJ1<
<GH'I$+J$4,A4F$"&$)/$7$)7K$LM
-$$,#$;
<0123-458K$)"GH'I$+J$'N!"2-.,-$$;
GMC8J1[=$1$(1'TIJR##5
IJKDUV=MMb55#X$JZB
!4EO5@•IA@<<<F52I45WP
• A:=#2;•5?(I='K4=T$JR45W
5v&!01AI)=01"I)J!I?;W=I
UVMMb55#X<
• nX)S52N=MVJ!TIJR_4
I?;W&I=A=f#IOIJR"I)fjd<
UJ1\(Y?;WXJ;&=UJ1I\(Y?;W51$
5)=:O!e !(_#"I)1!=1!"I)T$<
• !v&!01"I)KMKJ1I;_I51$5)!c:O!e1
I51$!ce!5!!&'?;WKO:O!_
4)\?;WeMdM5II4TO01;_IX<
• UJ1;_!I=T$!I !$BX<
• UVI;_IX !$BX01"I)=UVIIK
1!"I)T$V54B;!1BM=X@
Phòng Tín dụng Cán bộ thẩm định Trưởng phòng thẩm định
Đưa yêu cầu, giao hồ sơ vay vốn
Tiếp nhận hồ sơ
Kiểm tra sơ bộ hồ sơ
Nhận hồ sơ để thẩm định
Lập báo cáo thẩm định
Lưu hồ sơ, tài liệu
Nhận lại hồ sơ và kết quả thẩm định
Chưa đủ điều kiện để kiểm tra
Chưa rõ
Bổ sung,giải trình
Thẩm định
Chưa đạt yêu cầu
Đạt
Kiểm tra,kiểm soát
M!I;&01I!c:O!eIA=JI!
;!14<
• _4I;V5W=5#HBT1X !$BX01M
;!15 !v&!01"I)J!&5@01
• B@I'TOdmp8=TOd5)X5IvBM
Mb1!e&!I=11A5#01I#
UVI;_IX'M)MJY5MV1
YJBV1:<
• 0'(X=?bI=IvBMMbKW
5W!I?;W=IUV55#X&I5
!<
• O:O!1!(O01YT1;!DTOd5(j;W<
• _4I54MIM"I)1!<
#OI;_IH5)XJB}‚\= !T$V01
OT1DUV<32''a5BE+5BFHJR
'M=Mb5d@JI41!J!54M52M
4J!I=DUVeJZ'^:@[`
5SNcs\J0J!HKfO$!1=HH
'XMLJ!TIJRJZ5IJK011=H
a_!01C8J!TIJRf$;_5IJK<
$JR5';IUV;_IX&I_
4 !JR_P
CY\ PJRUV;_IX
<<GH'I$">$)4F$'N!"247"O$*P"820$)$$)!Q$4F$4,A;
<<<A5)X;_IP
34VA5)XJ#T1JsKJI54M_4=
5)XB!cOTI2(!52;_M:1X=;•54
M#)\=OZ4TO5MOJO01;_I<
mIVA5)X(I_52_(ƒY(ZK?!I4TO
?5;_MMOJO01;_I<
J!X$I:'UVOf f%=IIA5)X
01;_Ie?!Id1$1=A5)Xe?0IM!O
X1=Xf f%I$)?;!JI=I(B
M)=;_D541$A‚I!&4;_IH(j;W!&
4<<<[MTOB;$4A5)X01I#HUT$
d<$B=JBY(ZS;_Ie_45]J]
Z1!&UV;_I(1XE5(#5)X=5YI
4=5I&W_(_X51_(_XJ!1!&
_4X<<<F<I:'UV(1M(!(I#$H(_MI:42
Z:#Mh'';!ROJ?=RK$B5
1J1f%<GH1J1Y#5)Xd5•O:O!W
B;_M:1X01;_IKY(ZKfIV@J)1
B115!;_I<
J[;_I2Z1!&;‡40JY=!cA@5)X
2Z;&MI!I<I:'UVO;_15!()4e)MB]
J]Z1!&UV(1XKV=II5?!I<
!J1=I:'UVaX?!I=fIVf X5)
'X:1XKO:O!!&'01;_I(1$iHY(Z
UVOI\5)5?!I4TO?(1$<
<<<mIVX5)X !'_4;_IP
I:'UVXOf f%II5'_4;_I5
X5)!G1!&!=Hd1$M<kOI@
X5)J!G1!&_4;_IKO:O!'_4
<!J1=XOf f%‚401G\5)11J!G1
!&Hd1$M=[5)_HO11XJ2<