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01("2!.3&4567
*+8920:#;"<+<+
=>*?;@*%A%*B!*1(C%B!*
(B&D9EFG+67&<(<*H
&*)G*(7IJ(7:2**
:()*+>5%&)IK(=L59
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;"9.0!">*B)&
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=/(S(3%&,1(7T7+"+*R
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A=>(U/(K)0U
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=%>&M02!*+:#
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B*%&,JU%A(2%&3%_!B
CdB%_!!'&79"
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BFJMB(>7(:(7%]
7(RBFJ*
?;@+A=>,</(*&I92(M7d
Huy ®éng vµ sö dông vèn.
Trung gian thanh to¸n.
Cung cÊp c¸c dÞch vô kh¸c.
*Huy ®éng vµ sö dông vèn.
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01%B%!U%(j ('(X%&,M… 
`+!3&B>,*M9(7
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UBJ*
l2]BJ0(707M9L-U)
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/(&2]BJ0+(3*,Rd
*Ho¹t ®éng ng©n quü:%MO-C&$*9
*M(I?;@*/(*,(
&7CS/(7FB!-O(>M(H
IC^R>U9MM999.*

*>)9.*"+BW2!2J>M
?&7<2%
*Ho¹t ®éng tÝn dôngd"+"%&/(K)%&(N
(>7(/(7F2!N&*+>M
*Ho¹t ®éng ®Çu t: M%X9%8*(*
**R*FU`NMO-*
*(U>(<7C"0%B*
B+3%#2()C%A(
*Ho¹t ®éng trung gian thanh to¸n: ;I23*0/(%
***M8?;@!
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0%l0%AUBJ..VAR
.3S2!b&>\U>\*,RUBJM
75B&*RK(1(>*;UBJ
0*1/(0B.VA>I
*+(1992!,E<
(&-*1;UBJM#(
"K%K*B!*%*B%."(/(9"(
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:()(%&**R(1(:#;(7(*
"3M7%KUBJ(B&I)(UBJ"(=
L$*RA=L<*&*)0(7
|
>M>7(%0O&B"Mb"+2]BJ
%L+1(29:()B(B&
;(1(UBJ(B&:(7*2
B*B%(<,**+329:()<
*I(7+j(K "+"GUBJ… 
(B&%A>O%!>*B9#*
IBl"IB*B24BJ+
2007=(<,"+9%&2007M`"%(
>0(B&"%&I*,R(7*?I
-70724*A*U*%U9+.
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7BV%(N0:()*XM(,()U
BJ</(0*?;@B,R7(B&%)
/(K93,0?;@%0B"
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2499%AU>B,M"+)*
B1(5a*B/(*
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75V:S:$""%AU}
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>*B567&F
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G***R*>,;7"K,2!
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W)U,R70(B&XM&*(N
0*ë(N07M%&"^_0*
B,0F>bFR*
=&2IM%(<%(N0"F/(K
)B;(7700F>M<9(K
IF(>7(*IFB"(/(9":(
*+*(UBJ(#I\=020B
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%.$(/(9M24OC(70UX0
)UBJT7+"01(*++I%RI
F9MB9R%&292()B
2"(/(9
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§èi víi Ng©n hµng.
\*97(HB&24%292%A"(+K
"A!*2*5O(M"(N0F
BBV(N0"+1(B&24&%A(I
(2BV(N077O&s&9%A(
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M(2967M24JJ0I*>
B(57(*Ml:*
F37(ZB&*M<b,%AU
O=A3%AU%M(BI"%3UBJ(ZB
&+567&7O&s3%4*B2(AM
70F*7"F7:M7B!3.%!
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*BFJm%AIU*MK8(0&/(
*B/(S+SBp,,U*9(
>B
;&I%UBJ(ZB&>?;@W24O
=/(K1(:M7B!I9(2O*7"F
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§èi víi nÒn kinh tÕ.
?&UBJ(B&>M"(/(924"*
K%_!UF:#""19/(7&)
&<.%.(%B789
&:#
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93)%A/(9*97*&>&2(x
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97
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/(7F1(24"93)%2!(%A*+>M
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x5*RUBJ,*%<U,,&29
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A1(+"02*UAGM(/(901(
;I23**!&29:()BU>B
+:S:$:(*+>XX%_!`M7%
.R**I)()%AUBJ(/(99.(A-
>"+:97>B!*%&()UBJSX0A
78SX0AL0
;(0:S:$(/(9!2!&UBJ,M
<b1BX%&3&+9J+
2(/(*,7990>MA2]BJ5J
US%(/(9!2!
υ
VÒ phÝa x· héi vµ c¸c c¬ quan h÷u quan
\5G)(0)3;(
7I23&1=)ƒ%&(7,1(%
)1;(7(N0&~20%A*B!*1(%&)%
,/(7F0B!*%)/(K".(0"/(7F
79+6FB!*22**B!*(+
%!KA1(%B!*%&(/(9):#?(/(9A
O3M7<bI(1%(/(9"9(/(9
:#*9/(7<.%.M2*&.
9.&/(0C%)9<
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Bớc thẩm định chính thức.
A.Thẩm định về doanh nghiệp vay vốn.

1. Thẩm định phi tài chính.
[
@JU>M6FB70%+:S:$
>1("(7K89.9AM7<
6F>1(1:S:$-)2(rS:$(7K>>
1((7K>>1("U*<}
rS:$**M>>1(d/(7F%)7$
B/(7F*0*391(N
/(9F(%& `+>B"9.F(*… 
*%(7<
 DMU(7U>>1(z7U>>1()/(K
->1("(7U%K2„2,>K*+9AM
\*/(>>1(#"*B**
M*M,
l**-)719*U:*(
**20A*,24%9-*"0/(
0MCM24<(NA9A7
*%.<"(/(97
2.Ph©n tÝch t×nh h×nh ho¹t ®éng s¶n xuÊt kinh doanh vµ
t×nh h×nh tµi chÝnh cña doanh nghiÖp
*§¸nh gÝa t×nh h×nh ho¹t ®éng s¶n xuÊt kinh doanh.
{(*20%(0**/(7*.>BgU
)%i.3M7h*UBJ9:$*C2(d
{(70(7U>B-.1M7
;,,&29:()B"F%M(BA<}g
%A(B20*R.%A(.};,,+2*=
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;(N0B2]BJN29A>B

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9.*9.*(0V`M7%"b(
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+A20BBV+*20B9
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T×nh h×nh s¶n xuÊt kinh doanh cña doanh nhgiÖp tõ n¨m
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7(0=%&
B ThÈm ®Þnh dù ¸n ®Çu t.
@nB!*%O:U/(KI,*+>V7
%#@C*B!*A1(24"93<LFH
J+%*(1(**&:()
6(*,76FB!*%)/(K

\*UBJ196F-B(2(
1.ThÈm ®Þnh khÝa c¹nh thÞ tr êng
;F3M7N9F1(F1(296
>B!*F1(1+MU9.()(7
%(B!*gUJh`0-(7%(
UJ1U*B!-A%^+99():(7
*%#U</(*J(()+*F$*
\81:S:$(N()% ""%&S7(1(… 
>B!*:*F*M093gUBJUJ(<
hI23"b… A2!99VA7<>*I*
:]%^M0"s&"6FF(J296BFJ8
9A!*C4K3M7%M(2R/(K
"93!2!&>B!*
\1MU**/((1(296BFJ1(>B!
*&+&I%:*FF>7(>2962
2**296**296>B!**9F7
I%B!*-*9F … 
R(9.(J296V%&/(*AN(
J(296V*.9BF296IC
9*…
G**9.(J296B!*8*M0*
I23/(7F/(7<1(%!KF<:()UA
DMUB!*F%<2RR&/(K`+
"A-**BU:*U&719(17
><"2!A,,!20%(08*U
2*>FI*)%/(
ek
2. Thẩm định khía cạnh công nghệ kỹ thuật.
DMU/(7<B!*<FG)7A2!VA
>B!*2!(J29682]BJFA%^`**

U-((>B!*`+"+"1(B!-7(0>
)FB!**9/(7&/(9%^+UA
%^>B(*&J:M7B!I9
`M7%<R&=L9"*(7j(
(72M(XU&j(>B!*;6BFC7G9%
M(L%(B!*"+!Cj(7<}@R<
j(&AJ(B!296BFJ
3.Thẩm định khía cạnh tổ chức, quản lý:
`M7%<135+(p1/(K><*
R/(9%^)'%_!&B!*1("*
!B!*+2*/(7<&B!* `("=L9
+:S:$20%A)%A%:S"+*R
"(/(9<**UA%^>*7/(9%^U
0=M:3
;6FC%!KF+:M7B!B!*d+:S:$F+:M7
B!:SF+:M7B!B!*"(7<}
4.Thẩm định kinh tế xã hội
`M7%B(*I/(/(9%^)/(M:S:$%A
UB!*%&,*0*%AU"(7O
6F806FU"%22*-%AUU
>B!* +*3M7%/(%AUU"
:#d%AU-""!2!>B!*5%A(>/(0
U%-9((N%!!2!>T"
%)7-(X6FU9"-(b)F*
U*( s&"9***17>5*
><Z:SRM7<Y<"+)A
7<9.9*9G2!*+
-
5.Thẩm định khía cạnh tài chính:
;6FUG**9.2%+G*R*

_JU>B!*</(A*20U_(
eq