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BO MAO DUC DAO TAO TRUtING D4I HQC MANG LONG —o0o-- KHOA LUAN TOT NGHIEP DE TAI GIAI PHAP NANG CAO CHAT LUCiNG THAI * VI DINH TAI CHINN DU' AN DAU TU. TRONG HOST DQNG CHO VAY TA! NGAN HANG THU'ONG MAI CO PHAN SAI GON - HA NO CM NHANH BAC NINH DAI HOC THiANG #1_0861 . 7111.1 V1p4 MA SO: Giao vien hurting dan : ThS Nge IChinh Huyen Sinh vien time hien : Lining Minh Phuung MI sinh vial) : A16313 Chuyen ngenh : Nglin Hang HA NQI - 2015 la CAM ON Vai long biet an salt sic, em xin clan thenh cam on giao vien Ths. NO Khanii Huyin di t$n tam huong den em de hoar thInh bIi ichert Itujn tot nghiep nay. Nhir so chi bito vi huang din t$n tlnh curt c8 em dg nhln m duqc nhirmg hon the dm mirth di kip Uteri stilt chart him hoan thin Idles luau mOt cach tot that. Em ding xin gtii 18i cam an chin thanh den can be than vien caa ngen hang Thucmg mai co phin Sai Gen - Ha NOi chi nhanh Bic Ninh da nhiet tlnh gifip der va to dieu kien cho em duqc thoc te#p toi day. Cuii cling em xin chin that'll cam an din cac thiy co trong b0 mon Ngen Himg truing Doi hoc Thiing Long da gin tlnh trig& dot kien thin cho em trong suit thin gian hqc t$p tui twang. Em xin chin thhnh aim an!. Sith vien _AL Luang Minh Phuang Thang Long University Library LEI CAM DOAN Em xin cam doan Khali lukin tot ngbiep nay la do to ban than thvc hien co sv h8 trq tir giao vien hirerng din vi khong sao chop cac cong trinh nghien ciru dui ngubi khac. Cac du lieu thong tin dui cip sil dim; trong Khoo Mn IA co nguOn goic vi duqc trich din re ring. Em xin chju hoin tan trich nhiem ve lei cam doan nay! Sinh vien Luang Minh Phircmg MVC LVC DANH MVC CAC Ti! VIET TAT DANH MVC SUDO, BANG BLEU IA MO DAU CRUC%NG 1. LY LIWI CHUNG VE CHAT WONG TRAM DINH TAI CHINH DV' AN DAU TI! TRONG HOOT BONG CHO VAY CUA NGAN HANG THUONG M.I. 1 1.1. Rout dung cho vay cis ngin Wang throng mai 1 1.1.1. Khii nifm cho vay cum ngin ding thirong msi. 1 1.1.2. Alc dam cda cho vay 41 ngin ping thurmg msi. 1 1.1.3. Vai trd cda host Ong cho vay. 2 1.1.3.1. Val trd doe vat nin kinh ti 2 1.1.3.2. Dei vai hoct ddng cita ngdn himg 4 1.1.3.3. Dili vol khdch hang. 4 1.2. Thim gab tai chinh dy in din tw trong boat dung cho vay cua ngin hing throng 5 1.2.1. Khali nifm thim djnh tii chink dy in din fir 5 1.2.2. Myc dick vi et Bella cda thim djnh Si chinh dg in din hr 5 1.2.3. Quy trinh thEm ?link dg in din to 41 ngin king thweng 6 1.2.4. NO dung cda thEm dinh Si chinh dir in au fir. 9 1.2.5. Host dung thEm dials tii chink dy in diu fir trong host Ong cho vay cum ngin ping thurmg msi 9 1.2.5.1. Theim djnh tAng mac dau twva nguan tea try cho du an. 9 1.2.5.2. Thdm djnh doanh thu, chi phi ctia Mr dn. 10 1.2.5.3. Thim djnh tj, suit chili khAu "r" cid die an. 11 1.2.5.4. Therm djnh dong tan king tulm. 13 1.2.5.5. Tam djnh the chi lieu tai chink 14 1.2.5.6. Thdm djnh rcii ro die eh:. 16 1.2.5.7. Alm djnh kith ?tang trd nq mia dtr dn. 16 1.3. Chit Inwng thim djnh tii chinh dg in din hr bong host dung cho vay cilia ngin tang thwong mai 17 Thang Long University Library 1.3.1. Khii niem chit &Ting thim djn6 tai chinh dg in diu tw. 17 1.3.2. Cic chi lieu phin inh chit lung thins dinh tali eighth dye in din tir. 17 1.12.1. Thai gian thcim dinh. 17 1.3.2.2 Lqi nhu4n rang IV hag d(mg cho vay dir an 18 L12.3. Ng qua hqn va l'e nct qua 1km Iran Icing du nv cho vay dg an 19 1.3.3. Cic nhiin ti inh hitting din chit iwyng thin. djnh tii chinh dy Au tw. Nhan td cha quan. in 20 20 1.13.2. Nhan Mulch quan. 23 CHITONG 2. TIII/C TWIG CHAT LU'QNG THAM DJMI TM CHINA DU AN DAU TIT THONG 1104T HONG CHO VAY CiJA NGAN HANG THUONG M4I CO PHAN Sil CON-HA NOI - CHI NHANH BAC NINTH. 25 2.1. Ting plan vi hold ding cis Ngin hAng throng mai co phin Ski Gin Hi NOi - chi nhinh Bic Ninh 25 2.1.1. Lich sfr hinh thinh vi plat triin cda Ngin hing thweng mpi ci phin 511 Gin - HI - chi Dinka Bic Ninh. 25 2.1.2. Ca ciu ti chic vi nhin sy. 28 2.1.3. Nhierng kith khan vi tin*, 10 cis Ngiin hang throng mpi ci phin Sii Gin - Hi NQi - chi nhinh Bic Ninh. 29 2.1.4. Kith quit host Ong kink doanh cda Ngin hang throng phin phin 511 Gin - Hi NOT - chi nhinh Bic Ninh 1110 ci 30 2.1.4.1. Hogt clang huy clang von. 30 2.1.4.2. Hogt dang cho vay vifn 32 2.1.4.3. Hogt dOng khac. 33 2.1.4.4. Kit qua hoat slang kink doanh. 35 2.2. Thor trong ho; t ding thin. djnh tki chinh dg In diu tar trong hoot ding cho vay tsi Ngin hAng throng mpi phin phin Ski Gin - HI N¢i - chi nhamh Bic Ninh 36 2.2.1. Quy trinh thing dinh tai chinh dy in din fir t9i Ngin tang throng mpi ci phin phin Sii Gin - Hi N¢i - chi nhinh Bic Ninh. 36 2.2.2. Nfi dung thim djnh tii chinh dy In diu tsr trong host Ong cho vay cda Nein hong thwerng mpi phin phin 511 G6n - Hi NO chi nhinh Bic Ninh. 38 a 2.2.2.1. min: djnh vi tong mac van ddu to vet cdc ngu On . tat try cling nhtt phttang thew tai try. 39 2.2.2.2 Thdm djnh chi phi,Ivi nhuan va dong tiin aid At dn. 40 2.2.2.3. Xcic djnh IS) suit chat kW:it "r" coo die dn. 40 Thdm djnh ve hieu qud tai chinh va khti ndng trir no. &to dv an. 2.2.2.5. Thdm djnh khd ndng rut ro coa At dn. 40 41 2.2.3. Tinh hinh thim djnh Si chinh dy in diu tsr trong host Ong cho vay tsi NOB Ming thwerng mpi phin phin Sai Gbn - HI Nui chi nhinh Bic Ninh. 42 a 2.2.3.1. Giai thieu chung ve khdch hang 42 2.2.3.2. Thong tin vi quan he vii Sc to chtk tin dung va quan yeti SHB. 45 2.2.11 Dcinh giot phttang an kinh doanh. 45 22.3.4. Thdrn djnh tat chinh dean diu to 47 2.23.5. Thtim djnh Ted san dam ha° 55 2.2.3.6. 56 kiln di xutit coo phOng kluich hang doanh nghiep 2.2.4. Thyc trong cho vay dy in diu tsr tpi chi nhinh SIM Bic Ninh 57 2.3. Dinh gii vi chit Iwyng thim djnh tii chinh dv in diu tw tei Ngin hing thuong mei di phin phin Ski Gin - Hi Nei - chi nhinh Bic Ninh 57 2.3.1. Nherng kit qui Jet dust. 57 2.3.2. Nhiing km chi 58 CHUONG 3. MOT SO GIAI PHAP NHAM NANG CAO CHAT LONG THAM DINH TAI CHI NH Dki AN DAU TIr T41 NGAN HANG THUONG MCI CO PHAN SAIGON - HA NQI - CHI NHANH BAC NINH. 61 3.1. Djnh hiring cis ngin hing thwang mpi a phin Ski Gin - Hi NOi - chi nhinh Bic Ninh 61 3.1.1. Djnh hiring chung. 61 3.1.2. Djnh haying vi hopt dung thint djnh tii chinh dy in diu tw. 61 Thang Long University Library 3.2. MOt st giii phi') nhim ning cao chit luvng thim dinh tki chinh dy in din hr ugh hing throng mai ci phin Ski Gin — Hi NOl — chi nhinh Bic Ninh 62 3.2.1. Gill phial) vi con fluid. 62 3.2.2. Gill phip vi phwung phip thim dinh 63 3.2.3. Gill phip vi gnu If, diiu birth 66 3.2.4. Gill phip tang twang thu th#p vi za• If thong tin 67 3.3. Kit Irvin clurcrng 3 !CET LU4N PHV LVC TAI Lieu THAM MIA° 68 DANH MVC cAc Ti! WET TAT Kt hien vitt tit tan dity do HDQT Hen ding quail trj IRR TS, suit hoan yin nii bi NHTM Ngan hang thucmg mai NH TMCP Nglin hang thircng mai co phin NI-INN Ngan hang Nha nu& NPV Gia tri hitn di rang Thang Long University Library DAM! MtJC SO DO, BANG BLEU So d6 2.1. Cos cau t6 chile va nhan so curt SHB chi nhanh Bic Ninh 28 Bang 2.1 Tong huy dung von tai SHB Bic Ninh 30 Bang 2.2. Co ciu huy dOng von ta SHB Bac Ninh 31 Bang 2.3. Tinh hinh cho vay von tai SHB Bic Ninh. 32 Bang 2.4. TS, le nq qua han Lai SHB Bic Ninh. 33 Bing 2.5. Cac hoot dOng khic tai SHB chi SIAM Bic Ninh 33 Bang 2.6. Bari car) ket qua hoot dOng kinh doanh til rdirn 2012 — 2014 35 Bing 2.7. Danh sich co doing sang 14 Cong ty CP QNK Bic Giang. 43 Bang 2.8. Nhem khich hang as lien quan. 44 Bang 2.9. Hien trong sir dong det cua do an. 47 Bang 2.10. Tong mix von diu to cna dv an. 48 Bing 2.11. Doanh thu do kien ctia toan b0 do an. 49 Bang 2.12. Chi phi do kien ctia Wan b0 do an 50 Bang 2.13. Lqi nhuon do kien caa than b0 dv in 51 Bang 2.14. Deng tien caa imbibe' do an. 52 Bang 2.15. Hieu qua tai chinh caa toan bi) dv an. 53 Bang 2.16. Ke hooch tra nq g6c vi lai vay. 54 Bang 2.17. Ke hooch giii ngAn vim vay nein hang 56 Bang 2.18. Ty le nq qua han trong cho vay trung dii han tai SHB Bic Ninh 57 la MO DAu 1. Tinh cep thiet can di di. Ngfin hang thuong mai di tan tai va phit trier hang tram, hang nghin nam nay gin lien yeti sy phit trier kinh to hang Ma. Sy phit trier cis nem hang thuong mai dA c6 tic dOng at lin va quan tong den s r phit then cda nen kinh to hang haa, nguqc lai kinh to hang hem phit thin mph me den giai dogn cao nhit la kink to thj throng thl ngan hang thuong mai ming theo di ma ngly cang hoan thien va fro than!, nhemg djnh the tai chinh kh6ng the thieu cia mOt nen 'chili te. Chic riling trung gian tai chinh duqc xem la chic ruing quan trong nhit cia ngfin hang thuong mai. Khi thyc hien chic Wing trung gian tai chinh, ngiin hang thuong mai ding vai trb la cau n6i giUa ngtroi thia van va ngubi c6 nhu au ve yin. Val chirc clang nay, ngan hang thuong mai vira deng vai trb la riguili di vay, vira ding vai trb la ngtrbi cho vay va Wong lqi nhufm la !chain chenh lech gifts lAi suit elm vay va lai suit nhlm g6p phin tao lqi ich cho tit tit ck it them gia: ngtrbi giri tier va ngueri di vay Tai ngan hang thuong mai, hot dOng cho vay la hoot dOng chtl yeu tao ra doanh thu vi Iqi nhuk cho ngan hang, trong deo cho vay theo dy in diu to chiem mOt ty Ig khong the trong tong doanh so cho vay caa ngan hang. Tuy nhien trong thai ky hien nay, khi ma tinh hinh kinh to the giii yin chug ducat in djnh keo theo rat ntiliu he lyy, nhieu doanh nghiep da IA phi sin trong nhing am gin day din den Nganh ngan hang cling khong the tranh khei nhing khe khan do nhing doanh nghi'ep khong du kha nang de chi tra cho cac khoan vay. Chinh vi voy, de dam bao hog dOng kinh doanh edit minh ngan hang an phiti nang cao chit Itrong thim dinh tai chinh dv in diu to de e6 the lya chon dirge dv in tat trinh xay ra rii ro gay thit thoit cho chinh minh. XuAt phat tilt nhu ciu cap thiet tren kat hop vii qui frith hoc gip tpi tnri.mg Dpi hoc Than Long va qui trinh thyc t$p tai phang khich hang doanh nghiOp ngan hang thuong mai c6 phin Sai Gen — Ha NOi — chi nhanh Bic Ninh em da chon de tai: "Giii phip nang cao chit lugng thtun dinh tai chinh dv an diu to trong hog dOng cho vay tpi ngin hang thuong mai cis, past Sai Gen — Ha NOi — chi nhinh Bic Ninh." 2. Myc den nghien cfru. Th8ng qua qui trinh nghien thu, khia lu#n t$p trung lam r6 ba myc tieu sau: — Mac tieu 1: Lam r8 co so 19 luon ve chit luong thim dinh tai chink dv in du to trong hoat dung cho vay caa ngan hang thuong mai. — Myc tieu 2: Dinh gia chit lucmg thim (firth ill chinh dy An diu to trong hoot Ong cho vay tai nein hang thuong mai c6 phin Sai Gen — Ha NOi — chi nhinh Thang Long University Library Bic Ninh, tir d6 rat m &rot nhang him chi con ten tai tong cong tit thim dinh tai chinh dg in diu to tai chi nhanh. —Mac tieu 3: Dtra ra Siang gill phap nhim ring cao chit luqng thim djnh di chinh dg an du to tat ngiin hang thucmg mai c6 phan Sii Gen — Ha Not — chi nhanh Bic Ninh. 3. Doi tuvng nghien cam. Den ttnyng nghien cum: Chit luqng tam dinh Si chinh cla an du to trong host dOng cho vay tai nein hang thuong mai. 4. Phpm vi nghien can. Pham vi nghien dm: Chit luqng thim (firth di chinh dir an diu to tai ngan hang thtrcmg mai co phan Sal Gen — HE NOi — chi nhanh Bic Ninh giai doan 2012 — 2014. 5. Phirang phip nghien tint. Cac plurang phap nghien thu sir clang trong khea lu#n bao g6m: —Phtsang phap thong ke ma tci: le phuong phap thu thop thong tin cling nhu so lieu ve tinh hinh huy dOng vOn, cc cau huy dOng win, firth hinh cho vay vim, firth hinh nq qua han, nq tau, tinh hlnh cho vay dir an du to tai ngiin hang thuung mai co phan Ski Gen — HE NOi — chi SIAM Bic Ninh. —Phwang phtip so sank la phuong phip sa clang nhang se) lieu thu th#p duqc de so skill vai nhau nhim xac djnh duce mirc dO Bien dOng qua timg nam trong giai doan 2012 - 2014. Qua de c6 the &rill gia ve chit lucmg them dinh tii chinh dg an du to trong hog dung cho vay tai ngin hang thuong mai co phin Ski Gen — Hi NOi — chi nhanh Bic Ninh. —Phuung phip pkin tick — tang hop: la phuong phip tong hap vl phtin tich cac thong tin, s6 lieu thu th$p dirge nhim mac Bich hieu duqc nguyen nhan, 9 nghia dm mqi sa bien dOng caa that hlnh cho vay da An du to vi chit luqng them dinh tai chinh du An diu to tai nein hang thuong mai c6 phan Sai Gen — Ha NOi — chi nhanh Bic Ninh. Tar do, dim ra gild phip nhim ning cao chit luqng them djnh tai chinh dg An du to tai chi nhanh. 6. Kit can khda hien. Ngoal lei ciun an, lei me diu, muc lac, danh mac cac bang bleu, danh mac cac M viet tit thi ket du ciut khea ligin bao gOm ba chuong nhu sau: Chuang 1: Ljr luon chung ve chit luqng them djnh al chinh da an du to trong host dOng cho vay cell ngan hang thuong mai. Chung 2: 'flaw trang chit lung tam djnh di chinh du An tau tu trong hoat dOng cho vay tai ngfin hang thuong mai c6 phis SE Gen - HA Niji - chi nhanh Bic Ninh. Chung 3: MOt s6 gill phap nhim Sing cao chit lugng thim djnh tli chinh du An diu tu Mi ngan Ming thucmg mai c$ phin Sal Gen - HA NOi - chi nhimh Bic Ninh. Thang Long University Library CHIYONG 1. Lir LUAN CHUNG VI CHAT LUONG THAM DINH TAI CHINH DU AN RAU TI! TRONG HOST HONG CHO VAY CI.JA NGAN HANG THUONG 1.1. Hoot dOog cho way ala agio hang thuong mot. 1.1.1. Mal :dem cho vay cats ngan hang throng mgt. Quan he cho vay duqc hinh thanh va ra dei te rit lau. Cling yen su phat trim cita nen kinh te thi throng, ac hlnh thi c cho vay mei ngiy citing ceo trinh dt, cao han. Trong thuc tier c6 rit nhieu hinh thirc cho vay, m&i mOt hlnh thee cho vay deu c6 dicta hen kinh te xA hOi cu the, chung t6n tni song song va b6 sung cho nhau, Clang gip vai tr6 quan tang trong qua trinh phat trien call nen kinh Trong cac hlnh thirc cho vay thi hinh thirc cho vay ngan hang deng vai quan tang trong nen kinh te, n6 dap ling phin lon nhu au di vay cua cac ca nhan, doanh nghiep vi cic t6 chirc Utile trong nen kinh te. Hoot dung cho vay cling la ho$ dOng kinh doanh chti yeu cua ngan hang throng mai. Lqi nhutin tit hog dOng cho vay thuong chiem phin 16n trong t6ng lqi nhuan ala ngan hang thuong moi. Lujt cic t6 chirc tin dung ban hanh nam 2010 guy djnh Khoin 16 Dieu 4 ve viec cho vay dui vai khich hang tai ac t6 chirc tin dung thi: " Cho vay la m tit hinh thtic cap tin dyng, theo do ngan hang throng mgi giao cho khach hang mot khoan tan di dyng vao mOt myc 'itch va mOt that gian Mat dinh theo them thuan voi nguyen tdc co hoan Ira gdc va 1.1.2. 134c dam ctia cho vay tql nein hang throng myi. - Tinh phap ly cna cho vay: Hoat dOng cho vay pea ngan hang thuang mai (NHTM) dutic dua trot' nguyen tic hoan tra va sir tin Wang. Theo de ngtrei di vay se phii holm trit ca gee len lai khi khoin vay den h?n thanh toan. Ngoiti ra trtrec khi cho vay, ngfin hang phiti c6 su tin Wang del vii ngtrei di vay, tin ring hp se tri duqc nq cho ngan hang. Trong quan he di vay, hieing c6 su vin dung cult quyen se httu ma chi eel RI van dung cua quyen stl dung. Cu the b day, ngan hang chuyen qui& sir dung vin ala mirth cho khach hang di vay trong mOt khoang thbi gian nhit djnh da them thu$n. Kink yen quan he mua bin, gia ci ngang biing yen gad tri trao d6i, trong quan he cho vay thi gia ci duqc hieu IA lai suit. Lai suit cao hay thip phtt thuOc vao thbi gian dm khan vay. Khoin vay c6 thbi gian cing dii dieu nay d6ng nghia vii rid ro cing cao thi lai suit alit khoan vay ring cao vi nguqc kti khoin vay c6 thin gian tang ngin thi lai suit cult khoin vay ring thip. 1 — Phan loci cho vay: Tuy theo cat tieu thirc phan phan ra khic nhau. khic nhau mrl hoot dOng cho vay cua NHTM duqc + Phan loci theo dii tuqng khich hung bao gem: chlnh phtl; the to chile Si chinh khic nhir: Ngan hing, ding ty tii chinh, ; doanh nghiep; ci nhin. + Phan theo thin hon khoin vay: ngin hon; trim lion; dii hon. + Phan loci theo phuong thirc cho vay: thin chi; tirng lin; theo hon mile tin dung; Juan chuyen; tri g6p; + Phan loci theo muc dich sir dung yin vay: diu Us; phim Ai sin xuit kinh doanh; tieu dung. + Phan loci can al vao tai sin dim bio, the chip: c6 tai sin dim bio, the chip; khong c6 tii sin dim bio, the chip. — Quy trinh cho vay vi thu nq: But 1: Huang din khich hang lam dui tue vay But 2: Ngin hang den hinh xic time thong tin khich hang cung cap. But 3: Ra guy& djnh cho vay. But 4: Gill ngin. But 5: Gil= sit thu nq vi thanh ly hqp deng cho vay. — Lai suit trong hqp ang cho vay theo thoa thu$n gifted khich hing vi ngan hing cho vay (lai suit to djnh, Ili suit thi not ...). — Cic khoin cho vay c6 ho#c khong o5 dim bio thy vio viec dal* gia vi xep hang khich hang cut% ngfin hiing cho vay. — Khi ket that hqp demg khich hang c6 nhiem vu tri gee vi lai hotIc met at they thu$n khic nen duqc nein hang cho vay chip thu$n. Tutting hqp khich &mg kh8ng thuc hien duce hqp deng hay kh8ng c6 met dieu khoin nito khic thi Si sin dim bio thut quyen guy& djnh ctia ngan hang cho vay. 1.1.3. Vai frit ail: hoot ding cho vay. 1.1.3.1. Val trb dli obi nin kink ti — Hoot dOng cho vay that diy qui trill tich to gip bung von thin rei trong xa hOi vi tieing cao hieu qui sfr dyng von. Val chile Wing IA flung gian tai chink dimg gifts nguiri di giri lien vi nguiri vay tien, nazi fling da glop t#p truing moi nguen tier nhin nit trong xi het thanh ngu6n yin lam, qua d6 dieu tiet quan he cung — ciu ve lien to trong xa hOi, thea man tot nhu 2 Thang Long University Library cau cite khach hang. LI mOt don vi kinh doanh trong Cush voc den te vii moc dich lqi nit*, the NHTM lutin tim catch de t6i da hem lqi nhufm cia minh. Lqi tic thu duerc cis ngin hang dirge hinh thanh ter 'lilting hoot dung chtl yen cho vay vi cac hoot dOng, djch vo khitc cilia ngin hang. Trong d6 thu tir hoot dung cho vay la chit yeu. Vey cac ngin hang phii ay von 6 diu de cho vay? Phil chang la vOn to cet cim ngfin Wing. Cau tra lbi 6 day 11 the ngin hang phil di huy dOng vOn nhan r8i tir cac t6 chirc kinh ti, ca than vi the tang 15p din cu trong nen kinh te sau de phan ph6i loi mOt catch hqp ljt. Chin!' nh6 c6 hoot dOng cho vay ctla ngin hing ma the chit the trong nen kinh to "thus von" c6 as hOi lcheing nhemg bito ton than nit s6 hen cim minh ma can c6 the tilt@ them mOt plan thu nhtp, can d6i vii cac chit the “thieu von", hoot dOng nay gitlp he c6 di von cho hoot dOng sin xuat Unit doanh ho#c dip ling nhu cau diti song. — Hoot dung cho vay g6p plan day nhanh qui tranh di sin xuat mer rung, day moth Mu tu phit trim. Thoc te cho thay bat kt mOt doanh nghiep nho muOn hoot dOng vi thoc hien sin xuat kinh doanh Ming can mOt luqng von nhit djnh, trong truing hqp muOn rung sin xuat kinh doanh thi can phii co mOt luqng von lem hot. Hien nay, trong nen kith te thj fruiting vii so c4nh tranh coc lcjr gay gat, dei hoi khach hing In& luirn phil dOi mai vi me rung sin xuat kinh doanh. Tuy Stift khong phai bat lcji lchich hang nio cling du ngu6n von de c6 the me rung sin St kinh doanh. Voy het thy vOn i diu? Vi hoot dOng cho vay cua ngin hang chinh la thu tra 101, ngutm von cis ngin hang giip With thimh nen von co djnh vi von luu dOng cim Mulch hang. Viec mer rung thong thuong yeti nhieu nuerc tren thi giOi, nhu ciu ve von Iii cling ngiy cling cao km, the thinh phttn kinh te dang rat can von de d6i meti c8ng nghe, mit rung sin xuat kinh doanh phi hqp vii so phat then cim xi hOi, del NM ngin hang phii no loc hcrn nits de dap img nhu cliu ve von ngily cing 1611 dm the doanh nghiep. ThOng qua von vay cis ngin hang, vies doanh nghiep ding ding von thy de du tu von de hien diti hem may mac thiet bj, d6i mai deg nghe, lim cho the doanh nghiep d6 phit trien hem, ding cao &Km chat lueing sin pham, to ra dirge nhieu sin plam hot th6a man nhu ciu trong vi ngoili mac. Nhu vh, hoot dOng cho vay da g6p philn lam giitm gii thanh sin plam, cling nhu tang cao chit luqng sin phim, tang cao !chi tang citnh tout mill cac doanh nghiep tan thj truing qu6c te. — Hoot dung cho vay g6p plan quan trong trong dieu tie[ vi plan ph6i cac nguan van. Von sin xuat kinh doanh trong nen kinh to vOn dung lien toc vi hien hien cac hinh thirc lchic nhau qua m8i giai dap cis qui tranh sin xuat, to thinh chu thin hoin vat Ilan chuyen von duct the hien dm% dung tien te. Trong qua frith d6 de c6 the 3 hog dOng lien tuc, dai hei nguEon v6n cua doanh nghiep phii luon ton tai d6ng thin ba giai doan: du tra - sin xuat — Itru thong. Tbr d6 xiy ra hien tut:mg thira vi thieu van tam thbi: tot le tai mOt thbi diem nhit djnh co nhung doanh nghiep cer v6n thin r6i vi e6 theng doanh nghiep 1M dang thieu van. Hien lining nay xiy ra thuOng xuyen vi ph6 bien trong bit kt nen kinh 4 nio, Illm nay sinh nhu au birc thiet phii gild guy& dugs yin de dieu hba van. NHTM vii vai trb le trong gian tai chinh dung ra top trong thin ph6i lai tier te, dieu hes van cho ac doanh nghiep, tao dieu kien cho qul tranh sin xuat kinh doanh cua doanh nghiep kh8ng bj gian doom 1.1.3.2. Dik viii hopt ding nits nein king. Cho vay la hog dOng cot ban cba NHTM. NO II hog dOng chit y'eu chiem tSr trong lem trong tang thu nhip cua nem hang. Th8ng qua hog dOng cho vay, nem hang co the dieu him van, hart chi nii ro ve van, rid ro thanh khoan..., thong qua host dOng cho vay cling g6p phin cling c6 man quan he ctia khlch hang vOi ngan hang. Trong nhttng niim glin day, nen kith to veri nhu cau mo rung quy m8, trong bi ccr sZr vet chat hien dai, den teri ilia mei toin bO nen kinh te, da cho thay nhu au von thing vi dui hart la cue ky an Oat va 0 cling quart tong. Nguem van nay tato dieu kien cho ac doanh nghiep d6i mei khoa hcc ky thuot, trong thiet b1 ding nghe mei, phuong phip san xuat mei de dtra ra nhdng loaf hang h6a m6i. Day hi dieu kien de cac ngan hang mer rung pham vi hog dOng ctia minh va nay cling kiting djnh vi the vi vai fro cua rninh trong nett kinh Han nits, hog dung cho vay can 111 rich thirc kha thi de gild quyet nguan von huy dOng can du thira tai mOi nem hang. VI v#y nghiep vu cho vay can phii duqc tang cuing de citc nein hang c6 the tham gia na km vio su nghiep cling nghiep h6a, hien dai hea did nu6c. 1.1.3.3. Dal viii Mach hang. Voi su phit trier nhanh cheng curt nett kinh te, da so cad doanh nghiep khOng c6 chl van de c6 thE thuc hien ac hog dOng kinh te ctia mirth, nhu au van cim ac doanh nghiep IA rat 16n. Doanh nghiep sir dying van di den hath sin xuat kinh doanh vi ac hog dOng kinh te khlc. Hog Ong cho vay cart ngan hang thucmg mai c6 the dap Ong duqc nhu au ve van dm khich hang, dim bito quy m8 van vay vi tinh nhanh cheong trong khoin vay cho khlch hang. De c6 the tan tai trong mai train canh tranh gay gat hien nay, ck doanh nghiep an c6 sum nhay It de niim bit thi twang mix tieu, muan den Brill ditty hien kip thin sin St kinh doanh, doanh nghiep an c6 ki hoach nguim van de len vi On djnh de cel the mua ac yeu to diu vio, chi phi sin xuat, chi phi than cong, Chinh vI voy, mi hog dung cho vay ctia NHTM trer thanh den bay 0 thng can thiet cho hog dOng sin xuat kinh doanh vi tieu thing cua cac doanh nghiep. 4 Thang Long University Library 1.2. Thiim djnh Si chinh dg in Mu to trong bout dOng cho vay cast nein hing thuirng mui. 1.2.1. Mt& nips thins djnk Mi chink dp• tin An 1w. Tham djnh tai chinh di/ in trong hoot dOng cho vay cue NHTM lit viec to thu th#p xis l thong tin ye tai chin!' cua dg in mOt cich khich quan, town dien. Cic nOi dung ca bin inh htemg trim tiep den dnh khi thi cue dg an lam can dr de ngan thing ra guy& djnh cho vay. — Str can thiet phii thgc hien them djnh tai chinh dg in trong hoot dOng cho vay cue ngan hang thuong mui. Hoot dung cho vay theo dg in trong hold dung cho vay cue NHTM la horn dOng dem lui nhieu igi ich cho ngin hing song ?long thoi ne ding la hoot dOng doi hdi Nat 16n, thtri han k6o &Xi vi tiem in nhieu rui ro. Vi 15, do do, tram khi cho vay, nein hang can ti'en hinh them djnh tai chinh dg an mOt cich Dion tong. Thim djnh tai chinh dg an du tu trong NHTM dirge xem la giai dorm Ich?ri dau quan tang nhit trong qui trinh cho vay dg in. Qua qui trinh them djnh, ngitlt hing se dinh gii dg in. Ti nheng ket qui phan tich thu dune, ngin c6 cii nhin win dien hang se c4 bien phip tie yin ber tot qui With cho vay, qui frith thu ng nham Nut the cac rat ro, n>ing cao hieu qui cho vay cue NHTM. a Mit khic, thong qua hoot dOng thtun djnh tai chinh dg in, dc ngan hang e6 the giup der cho the don vi vay yen ce phuong Wing vi bien phip xi: ly the van de lien quan den dg in mOt each tot nhit. Glop cic ca quan quin 15, nhi nuke darth gia dirge sir can thief va tinh phit hqp cue dg in yeti quy hooch phit trien Chung cue ngenh, xic djnh tich eve vi lieu eve dui dg an khi di vio hoot dOng tren the khia quilt khic dirge nhau. 1.2.2. Mpc dick vd y whin the skim djnh Mt chink dg dn Au tw. , Tr'en thgc te, phan len the di: an dux hien der dang, that boil la do da khong dirge them djnh mOt each ki Wang truck khi thgc hien, cen mang firth chit quan cue ngutri 1#p dg an. Do v#y khi ce nhitng thay ded dive ti ngoii dv kien, cac chu dau to thtr?mg lam vio the bi dOng vi lung ding. Chinh vi le d6 bit 1c9 mOt dg an nio, vies thim djnh dv an du tu, (Ric biet la thaw djnh hieu qui tai chinh lit khau v8 ding quart tang, khong the thieu dirge khi tien hinh dau tu vim dg in. Tham djnh dg in du tu con co nghla khtic nhau doi yin chti dau tu, nha tii tny vi dui v6i cac ca quan quan ly. Ve phis NHTM, viec dittm djnh dg in diu tu (1#c biet la them djnh tai chinh dv in lai rang can thiet cy the nhtr sau: 5 ve tint) khi thi hieu - Thim dinh tai chinh du an ginp clic NHTM dua ra kit qui ye mit tai chinh ciut du an, tir d6 xac djnh duce khi nang hoan vin ctla du in. Tren co so nay, cac NHTM men dua ra guy& djnh tai trq cho du in hay khan, neu ce thi tii trq b mire nao ve gia tri khoin vay, then hart vay, du kien lien dO gill ngin, lai suet cho vay, cach thtic thu my, cite hien phap Wm dam tien vay... - Them dinh tai chinh du an gulp the NHTM luting fru& duqc cic ruff ro e6 the )(ay ra nhu: su hien dOng elm thi truing diu vao, cac sin pham diu ra, cic yeu t6 ding nghe, mat yeti t6 chinh sich, m8i truing phap 19_ gay inh huling den qua trinh trien khai thuc hien du in do. Tir d6 cac NHTM se co co sea de tham gia gap St, tu van, bA sung them cat gill phap cho chi diu tu Main hen the den mix thap shat mqi nilro ce the thy ra. - Thong qua qua trinh tham djnh, cac NHTM se co can cu de kiem tra viec sir dung von co muc Bich, thing deal ttrqng hay khling. Vigor kiem tra nay se thuc hien truerc, trong va sau khi ngan hang tien hanh gill ngan, gOp plain thee diy du an du tu c6 hieu qua. - Tham djnh tii chinh du an la Ong vies rot phi= tap, vi the kh8ng the tranh kh6i nititng thieu set khi thuc hien. Viec tham djnh du an se giup cho tic min b0 tilt= djnh ciut ngan hang phli thuang xuyen duqc tich lily kinh nghiern, buff bye, ding cao kg nang phan tich, danh gia va than djnh tic ruff ro ciut du In. Nhu 4y, thin djnh tai chinh du in la v8 cling quan trqng. NO ginp tic NHTM dish gia duqc chinh xac hien qua tai chinh den nhu hieu qui din to du in, tir de km chqn duqc nhOng du an ce tinh kha thi cao de tai trq, dim hi° ;dui ging thu hOi von va lei vay. 1.2.3. Quy trinh thins S/nh dr tin tau tar tgi ngan hang thuring mgt Muc ditch cita ngan hang khi cho vay du an lit lam sao de eel the dim bao duqc an town luqng v6n vi lam cho ne sink lbi. Tuy nhien di c6 the thu hOi dti von va vay nhu mong mut% thi ngan hang khemg the chi diva vao ket qua thin djnh du in cue cic ca quan qutin 19 nhi nuOc vi nha diu to ma ngan hang phii tu tham djnh du in bang phtrcmg phlp va theo quan diem rieng ens mirth. Do vay, ngan hang tien hinh thin djnh du in chn yen tap trung vao tinh phn hqp ve mat phlp ly, hieu quit Si chinh dac biet la kha ning thu hOivon du tu. viec thin dinh cult nem hang duqc dien ra trong suSt thbi gian dien ra hoot dOng diu tu ifs lum hinh thanh du an den Me du in di vlo hoot dOng vi thu hOi dit v6n ma nein hang mong mu6n. viec thim djnh nay dbi hOi NHTM phiti co mOt quy trinh tham dinh khoa hqc vi chat cite de c6 the dim bio thu hOi du von. 6 Thang Long University Library Quy trinh thim djnh (kr an tai NHTM gam ca: —Thim djnh cac chi tieu phi di chink + Thong tin phap ly bao gam: Ten doanh nghi'e'p, lo3i hinh doanh nghiep, gily chimg then clang Icy kinh doanh, yen dieu co du yen hien tat, ngtrai dai dien doanh nghiep, ngtrai dui dien vay von, ... + ThAm djnh thong tin ye ban dieu hank, ban quan tri cua doanh nghiep bao gam: ten don vi, ty le von g6p, tri gia von gap, nganh nghe kinh doanh. + Thim dinh ve sin phim bao g6m: MO to dtic diem aia sin phArn, firth hinh thj truing va hien dung gia. + Phan tich host dung etia doanh nghiep bao gam: Diu vao (loci hang h6a, tong nh$p hang vao, phuong thieve mua hang, phuang that giao hang, phuong that thanh town, mOt se del tic den vao lam); Diu ra (lo.i sin pham, ty trcmg hang bin ra, phuong that ban hang, phuong that giao hang, phuong that thanh town, met s6 dei tic 16n); Nang lye host gong sin xuAt kinh doanh (rang hit ca sa vet chit; bang tang hqp tong suet thiet ke va thuc to cult nha may; Ming luc may mac, tong ngile; nang lqc nhan sit; nang lye thuc hien du an). —Them djnh cat chi lieu tai chinh. + Phan tich mOt s6 chi tieu trong bang can d6i ke toan bao gam: Phai thu 'lath hang, ten kilo, tai sin c6 djnh, diu to tai chinh dai han, xay thing ca se der dang, vay nein hat, phai frit ngubi ban, vay dai han, nq dai han, von chit sa hitu, lqi nhuin de lgi, the khoan mix thing luu y khac. + Phan tich bao cao kit qua kinh doanh bao gam: Doanh thu (ea au doanh thu, xu huemg bien dung, nguyen than hien dOng, Mc dO tang truing, cat than t6 anh htremg,...); khoan giant trt1 (ty trcmg, xu huang bien Ong, nguyen !than, cach Ichic phyc,...); gia v6n hang ban; lqi nhuon (cc ciu, xu htn5ng bien dOng, nguyen nhan, Mc de tang truing trung binh, nhan to filth htremg„...); met s6 yeu t6 ding luu y khae. + Phan tich cac he s6 tai chinh bao gam: t6c dO tang quern doanh thu, Mc dO tang truing lqi nhuen, ROE (lqi nhuen sau thui/v6n chit sa httu), ROS (lqi nhuen sau thue/doanh thu), —Thong tin ve quan he coa doanh nghiep vii cat t6 chat tai chinh. + Phan tich quan he tin dung tea doanh nghiep vii the t6 chat tin dung theo thong tin dm khich hang cung tip va thAm djnh cart phong the ► Binh bao 7 gem: ten t6 chirc tin (long, loai vay, s6 tien theo tong hop dong, tai sin dim Ho, moc dich sir dung, du nq hien 4i, tinh hinh khoin vay. —Phan tich nhu tau vay von. + Thong tin co ban ve do an bao gem: ten do in, quy m8 von dAu tit, vj tri dau tu, tong mirc dau tit, yen to co, von vay, sin phaim dau ra, chit tau tu, sir can thiet dau tit, lien de, thoc hien ke hoach, lien dO thoc hien thoc te. + Phip ly ctia do in bao gem: cic 116 so, van ban, chung tir lien quan chimg mink phip 151 do an. + Titian dinh tinh hop It tits quy mto dau tit: so sixth suit dau to vai suit din to do BO xay dung ctia do in tuang to. + Thong tin ve ding nghe do in bao g6m: cong nghe do in do kien ip dung vi inh hutmg tit chinh sich ctia chinh + Tham dinh nAng lot quin 15, ctia chit du to bao gem: nAng loc ban Binh duo quin bit do in, kinh nghiem quin ly tii chinh do in, Wing lot don vi giim sit thi cong, nguen von nr c6 cua doanh nghiep. + Thim djnh khi nAng trim khai thi cong ctia cic nhii thin bao g6m: nhi thin chinh thi cong phAn xi y dung, kinh nghiem mkt nhi than trong thoc hien Ong trinh tuong ttic, nhi thin cung cAp cong nghe, kinh nghiem cua nhi tau cung cAp ding nghe trong thus hien cong trInh tuong + Tham djnh khi nAng von hinh dm do an bao g6m: kinh nghiem quin dieu hinh dm ban Binh duo, tj, tong the nguyen vet lieu du vio de sin xuAt ra met sin pham dau ra, khi nAng cung (mg cic nguyen slot lieu du vac, tren thj trutmg, nheng thu$n lqi vi eche khAn cda do in de co nguyen lieu dAu vitt + ThAm dinh Ichi Wing tieu thy sin phAm dm do in: thi tnamg moc tieu ciut do in, quan he cung tau tress thj Inking muc tieu, vi tri cua do in so vOi thi trueng mix lieu, sit khic biet ve sin phiun cua do an so voi d6i thti quilt tranh tren thi tnemg, to chile mc5 With tieu tho. + Hieu quit tit chinh do in bao g6m cic chi tieu: NPV, IRR, du% gian hob von. - ThAm djnh di sin dim bio bao g6m: loai tii sin; chit str hitu; h6 so phip ly cult tii sin; m8 ti tii sin; gii tri djnh gii; cAn cu djnh gii; du nq tei da duqc dim bio; dieu kien nh$n tii sin, thil tut thoc hien, bier phip quin ly , theo dOi, kiem tra, giim sit, dinh gii lai tii sin. 8 Thang Long University Library