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7/31/2019 BNG CU HI gui cho DUng piter

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BNG CU HI

PART I: Respondents profile

(Phn I- Thng tin v ngi c phng vn)

Please place your direct answer to the space provided or put (v) to the draw which is

the best appropriate with your situation

(Xin hy tr li trc tip vo cc ch trng hoc nh du (V) vo bn cnh cc la chn

c gi )

1-

Age: .................... years

Tui

Bellow 25 (di 25)T 26 n 30

31-40

41-50

More than 50 years (trn 50 tui)

2- Gender (gii tnh): male (nam) female (n)

3. Income (thu nhp hng thng)

Bellow 4.000.000 VN(di 4 triu ng)

From 4.000.000 to 6.000.000 VN(t 4 ti 6 tr )

From 6.000.000 to 8.000.000 VN

From 8.000.000 to 10.000.000 VN( t 8 ti 10 tr)

Above 10.000.000 VN(trn 10 triu ng)

3- Educational attainment (trnh gio dc):

Secondary (cp 2)


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High school (cp 3)

College /University (cao ng/i hc)

Post graduate (sau i hcthc s hoc tin s)

3. Amount of loan (lng vn vay) Small loan (vay vi s lng nh - di10 triu)

Medium loan ( vay vi s lng trung bnh t 10 ti 50 triu)

Large loan (vay vi s lng ln trn 50 triu)

4. Type of credit service (cc kiu dch v tn dng)Shortterm (tn dng ngn hn)

Longterm (tn dng di hn)

PART II: the assessment of the respondents on the status of credit service quality at

VBARD - Hai Duong Branch

(Phn 2- nh gi ca cc ngi tr li v thc trng cht lng dch v tn dng ca

chi nhnh ngn hng nng nghip v pt nng thn hi Dng)

1. Please rating the credit quality of AgriBank, branch Hai Duong in term of. Pleaseuse the following scale below for your rating.

( Xin hy nh gi cht lng dch v tn dng ca chi nhnh ngn hng nng nghip tnh

Hi Dng. Hy s dng thang nh gi nh di y)

Rating Scale (thang nh gi):

5Strongly Agree (cc k ng ) 4Agree (ng ) 3 - Neither Agree nor

Disagree (thi dung ha)

2 - Disagree (khng ng ) 1- Strongly Disagree (hon ton khng ng )

Point (thang im)

Item (cc ni dung)5 4 3 2 1

I. The rate and structure of collateral(T l v cu trc ca ti sn thchp)


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Point (thang im)


1. Collateral is real estate: Property records,evaluation, financial contracts in notarial department

(Ti sn th chp l bt ng sn : h s ti sn , thm

nh, hp ng ti chnh c cng chng)

2. Collateral is estate: Property records,evaluation, financial contracts, property insurance

(Ti sn th chp khng l bt ng sn : h s ti sn ,

thm nh, hp ng ti chnh , bo him ti sn)

3. Properties formed from loan capital: Propertyrecords, evaluation, financial contracts, property

insurance

(Ti sn hnh thnh t vn vay : h s ti sn , thm

nh, hp ng ti chnh , bo him ti sn)

4. Other types of collateral: Merchandiseinventory, discount vouchers, debt claims

( cc loi loi ti sn th chp khc : Hng ha tn kho ,chng t chit khu hng ha , giy chng nhn n)

5. Percentage of secured assests over totaloutstanding debt: Achieve 100%

(T l phn trm ca Ti sn bo m trn tng d n :

t c 100%)

6. Reasonable asset structure includes: Realestate which is conveniently located, the property

which has a high value use, easy transferred goods

(C cu ti sn hp l bao gm : bt ng sn v tr

hun tin , ti sn c gi tr s dng cao , hng ho c

th chuyn i d dng)

II. Interest (chnh sch li sut)1. There is no difference in the interest rate


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Point (thang im)


charged for different individual loans

(Khng c s khc bit trong t l li sut tnh cho cc

khon vay c nhn khc nhau)

2. Applies different interest rates for differenttypes of enterprises (large, small and medium

enterprises

p dng li sut khc nhau i vi cc loi hnh khc

nhau ca cc doanh nghip ( doanh nghip ln, va v

nh)

3. Applies different interest rates for differentuse of capital (manufacturing, non-production,

trading of real estate)

p dng li sut khc nhau i vi cc hnh thc v mc

ch s dng vn khc nhau (sn xut, phi sn xut , kinh

doanh bt ng sn )

4. Applies different interest rates for differenttypes of loans (short-term, medium and long-term

loans)

p dng li sut khc nhau cho cc thi hn cho vay ( cc

khon vay ngn hn, trung hn v di hn )

5. Applies floating interest rate, adjusts 03months/time

(p dng li sut th ni , iu chnh03 thng / ln)

6. Applies flexible interest rates, with agreement(p dng li sut linh hot , vi tha thun)

III. Lending scale (quy m cho vay)1. Lending scale is different for customers in

cities with the ones living in rural area.

Cho vay vi s lng khc nhau ph thuc vo khch


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Point (thang im)


hng cc thnh ph hoch nhng ngi sng khu

vc nng thn .

2. Applies different customer policies tocustomers with different lending scale

p dng chnh sch i vi khch hng da trn quy m

cho vay khc nhau

3. Big customers (with loans from 20 billionVND or more) applied preferential policies

and special care about interest rate, transfer

fee, priority to resolve dossiers

Khch hng ln ( vi khon vay t 20 t ng tr ln )

c p dng chnh sch u i v chm sc c bit v

li sut, ph chuyn nhng , u tin gii quyt h s

4. Average customers (with loans from 5-20billion VND) can be considered to encourage

and develop with preference about interest

rates, loan term

Khch hng trung bnh ( vi cc khon vay t 5-20 t

ng ) c th c xem xt khuyn khch v pht trin

vi cc u i v li sut, thi hn cho vay

5. Small customers (with loans less than 5billion VND) preferred in guiding documents,

providing coordination of informationbetween enterprises in the same activities

Khch hng nh (vay t hn 5 t ng) c cung cp

cc vn bn hng dn thi hnh , cung cp phi hp

thng tin gia cc doanh nghip trong cc hot ng

tng t

6. Has policies applied to new customers, whohave financial resources, especially good

customers, having credit relations with other


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Point (thang im)


credit institutions will be invited to the

transaction of the bank

C chnh sch p dng cho khch hng mi , nhng ngi

c ngun lc ti chnh , khch hng c bit tt , c quan

h tn dng vi cc t chc tn dng khc s c mi

n giao dch ca ngn hng

IV. Lending duration (Thi hn cho vay)1.Individual customers are allowed to make paymentafter 1 month from the due date without being

charged any fee regarding to under 1 year loans

(Khch hng c nhn c php thc hin thanh ton

sau 1 thng k t ngy n hn m khng c tr bt

k khon ph no lin quan n di 1 khon vay nm)

2.Individual customers are allowed to make paymentafter 2 month from the due date without being

charged any fee regarding to loans from over 1 year

to 5 years

Khch hng c nhn c php thanh ton sau 2

thng k t ngy n hn m khng phi tr bt k

khon ph no lin quan n khon vay t trn 1 nm

n 5 nm

3.Individual customers are allowed to make paymentafter 3 month from the due date without being

charged any fee regarding to over 5 years loan.

Khch hng c nhn c php thanh ton sau 3

thng k t ngy n hn m khng phi tr bt k

khon ph no lin quan n hn 5 nm cho vay .

4.The bank focuses on short term loans rather than


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Point (thang im)


long term loans

Ngn hng tp trung vo cc khon vay ngn hn ch

khng phi l cc khon cho vay di hn

5.The repayment ability of customers is assessedcorrectly

Kh nng tr n ca khch hng c nh gi mt cch

chnh xc

6.Individual customers are instructed how to preparethe necessary documents carefully

Khch hng c nhn c hng dn lm th no

chun b cc ti liu cn thit mt cch cn thn

V. Lending procedure (th tc cho vay)1. Be provided with sufficient information about

documents needed

c cung cp y thng tin v cc ti liu cn thit

2. Fully require legal documents of enterprises.y yu cu cc vn bn quy phm php lut ca cc

doanh nghip .

3. Fully require identity certification of theentrepreneur

y cc yu cu chng nhn danh tnh ca doanh

nhn

4. Fully require written loan proposaly yu cu xut vn vay bng vn bn

5. Fully require financial profile: Financialstatements, financial planning, listing liabilities, etc

y yu cu h s ti chnh: Bo co ti chnh , lp k

hoch ti chnh , trch nhim nim yt , vv


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Point (thang im)


6. Fully require plans for loans, using capitalyu cu y k hoch cho cc khon vay , s dngvn

7. Fully require dossier of collateraly yu cu h s ti sn th chp

8. Fully require dossier of disbursementy yu cu h s gii ngn

9. Check before and after loanKim tra trc v sau khi cho vay

10.Inform customers immediately after checkingThng bo cho khch hng ngay lp tc sau khi kim tra

11.In the process of receiving documents, thereis support and consultation of bank staffs

Trong qu trnh tip nhn vn bn , c h tr v t vn

ca nhn vin ngn hng

VI. Type of disbursement (cc hnh thcgii ngn)

1. Disbursement profile: Application form,economic contract, value added invoice, debt

comparison, etc

. H s gii ngn : mu n , hp ng kinh t , ha n

GTGT , i chiu cng n , vv

2. Disburse by bank transfer: Transfer loansdirectly into the accounts of sellers, who owe

money or are looking to purchase

Gii ngn bng chuyn khon : Chuyn khon cho vay

trc tip vo ti khon ca ngi bn, ngi n tin hoc

ang tm kim mua hng

3. Disburse by cash: Borrowers receive loansdirectly in cash at the bank


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Point (thang im)


Gii ngn bng tin mt : vay nhn c cc khon vay

trc tip bng tin mt ti ngn hng

4. Bank guarantee: Bank guarantee in writing tothe borrowers receiving goods prior to

payment

Bo lnh ngn hng : Ngn hng bo lnh bng vn bn

cho khch hng vay nhn hng trc khi thanh ton

5. Loans by transfering money directly toabroad: L/C payment, T/T

Cc khon cho vay bng cch chuyn tin trc

tip ra nc ngoi : thanh ton L / C , T / T

6. Loans through intermediaries, third party:Intermediary is responsible for remittance to

the recipient (entrusted loans)

Cc khon cho vay thng qua trung gian , bn th ba :

trung gian chu trch nhim np cho ngi nhn ( y thccho vay )

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