giẢi phÁp nÂng cao chẤt lƯỢng cho vay tiÊu dÙng tẠi ngÂn hÀng ĐẦu tƯ vÀ phÁt...
TRANSCRIPT
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
1/41
Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed
MA FA
FL AM E
BNED MA EDEC R ZLR RR
BNED MA Q & OEC
GLE AN ECE DEC Z AA CLL XDX A EY _NEDE TR AN ECE DEC Z ^Y R_ED GLE RXXD FA
Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
2/41
Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed
BNED MA Q & OEC
Q
OEC
Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
3/41
Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed
FL AM E
^yn 1 em da rx z e fy|e bl clec ec l da& gr dx zl rdl clne
rda rx rl Ece dec y r z Xdr rle adl eded Ecd Ne& im da z rad f|
a edly gle rda ~y oy adk med% Ok ak gle rx e| a dke rded f q gr
dx cln f rdy|r da z rda r rkec rdl clne rda rx%
a gle rda dke rded ok ak gle rx f ed q clec b| re red an ~y
rd| a Rec l Da Eckl Rdec& q dec be re rm an a clk Re Rd
Fec Oed- clec zle gdkn Rl aded Ece dec z q clx edlr red an aa ned
ad ae o zle ada rkec Ece dec y r z Xdr rle adl eded Ecd Ne%
Im tle o| r fec olr e e0
- ^y rd| a gdkn Rl aded Ece dec l da Eckl Rdec D El%- A clk Re Rd Fec Oed%
- One fed k ece dec OLBZ adl eded Ecd Ne0
k Ad0 Xdm Rd Dl Ze $Rec xdec ^yne d gdad dec 1,
k Ned0 Xdm Rded Ryec $Ady|e zle xdec ^yne d gdad dec 1,
Aec rr a ned ad ae o zle ada aa xdec one rkec Ece dec clx &
ad ok z rk ml ly gle rdye fl adk im a a dl rlx ta rda r dke rded
ok ak gle rx%
Qny aec im ged ada ~y rd| a Rec l Eckl Rdec D El aec aa
ned ad rkec Ece dec y r z Xdr rle adl eded Ecd Ne bl bk qa gdi z
fye rded aec rkec aec ra%
D El& ec| ?4+83+?8>>
Qled zle fm ok ak
Ol Rd Rdy Dkl
Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
4/41
Ok ak rda rx Fynezne42Hcmnlf%akm CZDB0 RQ%Re Rd Fec Oed
BNED MA EDEC R ZLR RR
OLBZ0 Ece dec y r z Xdr rle Zlr Enm $Oneg jk Leziqrmier neb
Bizifkxmier kj Zlir Enm,%
AZ0 Adk zn|%
AZRB0 Adk zn| rly bec%
BE0 B e%
GD0 Gdad dec%
ED0 Ece dec%
EDEE0 Ece dec ed ea%
EDRM0 Ece dec rdec ml%
E^D0 E ~y de%ED R * XR ZE0 Ece dec y r z Xdr rle Zlr Enm%
DZ0 Dy| ec ze%
ZE0 Zlr Enm
SRK0 R ada rdec ml ^ya r%
Qled zle rda rx0 Ol Rd Rdy DklFx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
5/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
XDE M Y
>% Red ax rdlr an rl
Zlr Enm f mr r ea nec xdr rle zl edly rlm eec z gled r - t dl
z ec| aec gdec ed z rd an med re rec ~ya r oec edec rded ry gd~yne z xdr rle gled r - t dl r a rkec edec em ~yn& oec adec le
ded edr f zla r rded rded zle aded rda an r ada rdec ml rd cll SRK
rkec em ?88:% Em ?8>>& ee gled r Zlr Enm a b ke q oa zk clnl ke
xda dl z rec oa re xdr rle& rec rec CBX b gle r ma ank de
em ?8>8% Zlr Enm ze y rle glm ad fm xdr& e ed gled r z m z rec
aec ne eled t dl% Zlr Enm a rdm edly ze dl ml adk q xdr rle edec
aec gdec r rdad rda nec ad xdn ra& eced Ece dec aec gdec em
eckl q ed dec %Rkec fed za ece dec& aa EDRMZE ec| aec xdl ady edly x fa rkec
zla cl z m ec rd xde an med ecn| re fed rd Zlr Enm% D rdec rl aded
Ece dec a m an dke rke& ed by q rdm edx qy ec an aa r ada rl
aded ea eckl& gdle x fa aed rned rkec fed za e| ec| aec ank% De en
Ece dec f dy|r mad& f aec a Aded xd ly rlr ee gled r z rda dle aa
adle fa gled r adk q xdr rle oe zec fy bl an r ea% Z z|& aa Ece
dec xdl edned adec rdad ec& xdl l ml& xdl dke rdle de a rd aed
rned z re rl fy bl re rd rec% ^yn ~y red ecdle ay re cd ed rec zl rm dly rda r& im ede rd| aa Ece dec nec be ad rec zk mec rd
rec adk zn| rly bec x ec edy ay ec| aec ank an gdad dec% B ml
ad tyr dle rkec rdl clne ece& edec qe xdm e| edned adec rdy dr gdad
dec n rdad e% Dle en|& ee gled r ea rn ec| aec xdr rle z dl edx zl
bec ad| ee gled r xdr rle an rd cll& adr fec be r z adr fec aya qec
ec| aec a al rdle rd gdec edec ded rda re bec bkned ecdlx m re bec
a ede aec xdr rle r med%
Ry| edle dkr ec e| nec a edly ble ole gd xda rx& edec de adedr ed z z| ae xdl tim tr z n n cll xdx gda xda dkr ec ec|
aec dly ~y de% Ede rda a rm ~yne rec an dkr ec AZRB l zl l
qec el adyec z aa Ece dec el lec& qny mr rdl clne gle rx rl Adl eded
Ece dec R * XRZE Ecd Ne aec zl edec gle rda rad f| a rkec ~y
red da rx im med be ade rl0Cll xdx eec ank adr fec adk zn|
rly bec rl Adl eded Ece dec y r z xdr rle Ecd Ne fm el byec
gle rx an med zl d| zec q m n mr dec l ml adk q xdr rle re bec
rly bec an Adl eded el lec z Ece dec y r z Xdr rle el adyec%
Qled zle rda rx0 Ol Rd Rdy Dkl >Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
6/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
?% Ma ad ecdle ayRe a q f fye gdkn da z rda rle m ded adk zn| rly bec rl aa ece
dec rdec ml re n oe rded xd Zled adk adec rn ede ed a rm ~yne
rec an re bec rly bec rkec rdl l ec| en|% Zla ecdle ay an rl edmn n edec cll xdx m ec re bec rly bec rl adl eded Ece dec y r z
Xdr rle rded xd Zled f r ae rdlr& t| bec xdec xdx m ec re bec
rly bec rda rle& re bec rd a med an med z gdnl rda rlm eec ze a
an rd rec% ^yn & Adl eded rl n dn fl edye& clm rdly l k z xda z
gdad dec mr aad fled dkr& x ec rr edy ay an gdad dec%
1% Xdm zl rlXdm zl an rl f ecdle ay dkr ec adk zn| rly bec rl adl eded Ece
dec y r z Xdr rle Ecd Ne r em ?884 e y em ?8>>% R f fye z rda rle&
ok ak n n mr q gle& cll xdx edm eec ank dkr ec e| rl Ece dec%
2% Xdec xdx ecdle ay
- Rdy rdx q fly0 aa ok ak z rl fly an Adl eded Ece dec y r zXdr Rle Ecd Ne& rdec rle re aa rnec ok rl aded& oe rle rl aded z aa rnec
sio fle ~yne%
- Xdec xdx0 Rdec g& rec dx& ble bad& ~y| ex%- Xde rad q fly z ed cl q fly z q ry|r l z q rec l r rl fly
a a $oec oly& oly , r n n ede tr& gr fye z dkr ec re bec an
Ece dec%
9% Gr ay an ol ok ak0Ol ok ak an im a adln rdik aa xde ed qny0
N%Xde m y cll rdly ecdn& ma ad& xdm zl& xdec xdx ecdleay z ay ra an rl%
O% Xde el byec onk cm 1 adec0
Adec >0 A q f fye z re bec ece dec z adk zn| rly bec rl aa
ece dec rdec ml%
Adec ?0 Rda rec dkr ec adk zn| rly bec rl Ece dec y r z
Xdr rle Adl eded Ecd Ne r em ?884 e y em ?8>>%
Adec 10 Cll xdx m ec adk zn| rly bec rl Ece dec y r z
Xdr rle Adl eded Ecd Ne%
Qled zle rda rx0 Ol Rd Rdy Dkl ?Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
7/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
A% Xde gr fye mr q ze r n qny ~y red ecdle ay z edec lm
ml an rl%
ADEC L
EDEC ZE A OE Z ADK ZN\ RLY BEC
RL ECE DEC RDEC ML
>%> Ece dec rdec mlRdik Fyr R ada re bec q 23+?8>8+^D >? one de ec| >:+8:+?8>8 ed
ecdn0Ece dec Rdec ml f fkl ded R ada Re bec a rda dle rke o
dkr ec ece dec z aa dkr ec gled bkned gda a fle ~yne% Rkec & dkr
ec ece dec f dkr ec gled bkned rle r z bad z ece dec zl el byec
rdec ty|e f ede rle cl& q bec rle e| ax re bec z ayec ec aa bad
z rdned rke%
Rdik Ecd ed q 9%?%> Q tyr dle z xdr rle an adk zn| rly bec%
Aya gdec dkec rkec d rdec Ece dec or y edec em >8 Ecdlx z AZRB
Qled zle rda rx0 Ol Rd Rdy Dkl 1Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
8/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
xdr rle oec e% AZRB nec f fed za ~yne rm dec y gdec edec l zl aa
ece dec& ecl rly bec m ae f l zl a ea%
>%?%? Gdl elm AZRB%
Rdik ~y| ad adk zn| an r ada re bec l zl gdad dec q >:?3+?88>+^
EDEE ec| 1>+>?+?88> rd Adk zn| f mr ded rda ax re bec rdik r ada re
bec clnk adk gdad dec q bec mr gdke rle q bec zk ma ad z rdl clne
edr ed rdik rdn rdye zl ecy|e ra dke r a ca fe fl%
Adk zn| rly bec f ded rda ax re bec& rdik r ada re bec clnk adk
gdad dec f aa a ede& d cln ed mr gdke rle q bec zk ma ad rly
bec rkec mr rdl clne edr ed rdik rdn rdye zl ecy|e ra a dke r a ca
fe fl%
>%?%1 a lm an AZRB%Ae a zk ma ad q bec ze& re bec a rd adln rded adk zn| gled bkned
z adk zn| rly bec% Bk & AZRB aec f mr rkec edec fkl ded re bec an
ece dec z mnec | edec a lm an dkr ec re bec el adyec& ry| edle
aec mnec edec a rec lec%
^y| m& q fec gdke zn|0 Gdad dec ma rly an AZRB ad |y f aa
a ede& d cln ed a edy ay zn| ze xda z ma ad rly bec% Rdec rdec aa
gdke zn| a edy ay ze gdec fe% Bk z|& aa gdke zn| a ~y| m ed edec q
fec aa gdke zn| rdec edly z n bec%
Z gdad dec0 Gdad dec ma rly an AZRB f aa a ede& d cln ed
edec ecl a edy ay myn qm dec dn zr adr& bad z% edm eec ank ma
qec ad gdec tyr xdr r ma ad gled bkned%
Rdl de zn|0 Aa gdke AZRB rdec f ece z ryec de bk me zn| a
cl r ed z l k ank%
Ecye r e0 Ecye r e ad |y an gdke zn| rly bec aded f rdy
edx an ecl l zn|% ED rdec tim tr ma rdy edx rdec ty|e an GD n
~y|r ed adk zn|%
Adl xd dkr ec0 AZRB rly re adl xd de qk zl adk zn| rdec ml%
Bk AZRB rdec a ~y| m ed edec q fec fl fe& l a& rdl clne zn| rdec
gdec bl% Rdm zk rdec rle z gdad dec gdec | & gdec aded ta dke
rke% Bk zla rdlr fx& ~ye f& glm qkr rec me zn| re r edly aec qa z
rdl clne an ae o re bec aec ed an ece dec% Ece dec xdl mr edly adl
Qled zle rda rx0 Ol Rd Rdy Dkl 2Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
9/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
xd de r gdy rlx ede d q& rdm ed gdad dec& e gdy cll ece z rdy dl
e%
Z l k0 Ma l k ank de aa gdke zn| rdec ml bk ecye r e
an ecl l zn| xd rdya ad |y z rdy edx rkec rec fnl an d7 bk gdad decf a ede& d cln ed rdec o ed dec zk ole ec an ady g gled r& ey gled
r rec rec med edy ay adl adk rly bec q ank de7 bk dkr ec gled bkned an
bkned ecdlx7 bk q a or rdec t| n zl a ede d cln ed dka bk r aad ecl
zn|% Ry| a rl qe m ok edec l gdl rl qe aec gdec dke rke rkec
qad dka gdec ne rke% Rl qe a rd f xdl xdx dka a bec m ok
adk edec gdke zn| gda& dka rkec ble cll rn
Z fl qyr0 Bk adl xd dkr ec AZRB fe edy ey re ee fl qyr
AZRB ank m ok fl edye an ece dec% Mr gda& fl qyr AZRB gdec fled
dkr ed aa gdke re bec gda% ly e| f bk aa gdke re bec rly bec rdec
a l k ank edr rkec bned ma adk zn| an ece dec%
Z fl edye0 n q gdad dec zn| rly bec z ma ad ax oad& mye
q dy dec dn z q bec dkr ec ecn| rkec rdl lm dle rl& m gdke zn| rly
bec rdec rkec rdl clne zn| ece ee d b bec adx ede zl mr ma fl qyr
ank de% Q fec AZRB fe& fl qyr ank ee fl edye e mnec fl f gd fe% Gdk
qr an rx ke r ze OAC aec adk rd| ma b AZRB ad adlm 18)- 19) rec be edec rk n re :8) fl edye adk aa EDRM dec y ady %
>%?%2 Xde fkl adk zn| rly bec%
Ae a zk ma ad0
Adk zn| rly bec a r%
Adk zn| rly bec gdec a r%
Ae a zk ded rda m ok rle zn|0
Adk zn| rly bec a am a rl qe%
Adk zn| rly bec a rd adx%
Adk zn| rly bec gdec a rl qe m ok%
Ae a rdik rdl de e r e0
Re bec ece de%
Qled zle rda rx0 Ol Rd Rdy Dkl 9Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
10/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
Re bec ryec de%
Re bec bl de%
Ae a zk xdec rda dke r0
Adk zn| rly bec r cx%
Adk zn| rly bec a r rdik led g%
Adk zn| rly bec rye dke%
Ae a zk ecye ca r e0
Adk zn| rly bec cle rlx%
Adk zn| rly bec ra rlx%>%?%9 Znl r an adk zn| rly bec
AZRB a znl r r fe& e gdec ad mnec fl fl edye r fe adk aa Ece
dec& rle ad m ecl rly bec a q bec m ae rk n edy ay rda q gad
rdad qe tyr xdr rle% Ecdlx z AZRB q f mr adn gdn clx adk ee gled r
ea rn rdkr gdl gdec dkec rl aded edned adec%
l zl ecl rly bec0
Bk ee gled r dec dn ec| aec a m ec z xdr rle ee edy ay adlrly eec ank l qec zr adr aec ed rled rde an ake ecl aec ec| aec cln
rec% a olr f rkec red ded AERR oec e ed dle en| rd zla q bec re bec
~yn Ece dec z rdned rke le r aec r ee rdye rle z dle l de% Zla
AZRB an aa Ece dec dle en| xde ek x ec fl a edec edy ay ax
rdlr | an GD% Zlr Enm& xde fe ecl be ze gdec a gd eec adl r
a dr edec edy ay m d mkec mye rkec rdl lm dle rl bk aded
edec dkr ec AZRB clx ecl rly bec a dec aa rle ad mr aad
edned edr oec aad f d ad xdl r mr gdke rle ed de edly qk zl cl an qe
xdm z r be rdik edec gdkec rdl clne ta ed rdn| z xdl r mr gdke rle
fe ecn| fa % ly e| r dx zl edec ecl a ma rdy edx ryec oed& adlm
n q rkec t dl%
l zl ed qe tyr0
Gdec ad ecl rly bec ml a dec fl ad ra rlx r AZRB m aa
ed qe tyr aec a dec fl r dkr ec e|% Gdl AZRB r ee xd ole rd
dkr ec oe dec z bkned rdy an aa ed qe tyr aec cln rec cx xde fm rec
Qled zle rda rx0 Ol Rd Rdy Dkl : Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
11/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
fl edye& clm fec dec re gdk ec rdl rda | ~y red fye ady|e dec dn&
eec ank gd eec aed rned& m ec qe tyr adk ed ayec ax%
l zl EDRM0
Zl ada eec ryec clne re bec re rd rec rl aded& EDRM dy| ec
ze z adk zn| dec fl edye f zla aded fad fl qyr% Rkec gdl fl qyr AZRB
gd ank ee fl edye rdy a r dkr ec e| f r fe% B e AZRB ryec oed
aa ece dec y r ady ad adlm gdkec r 18) e 19) rec b e edec fl
edye adlm e :8)%
Ec| en| rkec ol aed aed rned cn| cr cln aa ece dec rkec ea fe
eckl ea& aa EDRM gdec ecec dke rdle dkr ec z eec ank rd xde& re
bec rly bec f mr rkec edec ma rly ~yne rec m aa ED nec dec e bk
edy ay n bec& rd xde rlm eec z fl edye ank%Z z| AZRB cx xde fm adkaa EDRM ec| aec dkr ec a dly ~y de%
Ry| edle& dkr ec AZRB rlm e edly l k% Rkec AZRB& q fec gdad
dec fe edec ~y| m ed f bk clx ED xde re a l k%
Eckl n& AZRB ae clx ED m ec ~yne d zl GD r fm cln rec rd
xde z rec gd eec dy| ec ze& fl ad r zla GD q rdm aa bad z gda ed
rdned rke& ady|e rle& rd
l zl ee gled r& t dl0
Dkr ec AZRB clx al rdle& eec ank l qec zr adr z rled rde an t
dl% Aa ~yne d rl aded rkec t dl r ee fed med de% Z b ed dle rec
adk zn| eec fl q clm or& red ded rl xdm clm or%Dkr ec AZRB a ra
bec gad ay ee gled r& rec qe fec& m ec qe tyr& rk ly gle rda |
rec rec gled r% Z fl ad de dr f AZRB q rk n edy ay rda r%
>%1 Aa ede r ed dec e dkr ec AZRB
Ec| en| aa ece dec rdec ml aec ec| aec ad rec edly de zk
AZRB% D d| zec dkr ec e| q mnec fl ecye fl edye fe edr adk d% Ry|edle dkr ec AZRB mnec fl dly ~y rr edr rd d ae xdl xde rad g fec
edec ede r ed dec rad aa aec ed rly aa e dkr ec AZRB% R n
n adle fa& edec ole xdx a rd xdr rle% Aa |y r ed dec ra rlx rl
dkr ec AZRB f oe rde ece dec& aa ede r oe eckl gdad dec $ gdad
dec& ml rec gled r - t dl%,%
>%1%> Aa ede r ad ~yne
- ed dec xdr rle an ece dec f ly gle rle ~y|r xdr rle
dkr ec AZRB% Ey rkec g dkad xdr rle an med aa ece dec gdec ~yne
Qled zle rda rx0 Ol Rd Rdy Dkl 3 Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
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8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
12/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
rm e dkr ec e| rd aa GD a edy ay z AZRB aec q gdec a ~yne rm&
adm qa% Eca fl ey EDRM mye xdr rle dkr ec AZRB rd d q n n
edec adle fa a rd rdy dr edec ecl a edy ay e zl med% Z gdl
ayec ay q a ly gle rdye fl cx edny aec a ecdn f AZRB q a edly a
dl xdr rle%
- Ze z aa dkr ec gda an ece dec q f mr rkec edec |y r a
aa ed fed k ED tim tr gdl n aa ~y|r ed rkec a aa ~y|r ed z dkr
ec AZRB% Ze r a an ED aec fe rd ED aec a gd eec rda dle edly dkr
ec bad z%& rec gd eec aed rned zl aa ED& r ada gda% Rkec gdl ED dy|
ec a mr gdl fec ze bl bk adk xdx ED y r adk aa bned ma m ED
~yne rm de rd AZRB q a a dl xdr rle de%
- Q fec& k a& red aa ae o re bec aec ed dec gdec ed rladr fec AZRB an aa EDRM% Ey aa ae o re bec b cll e m| m gdec
a k a ecd ecdlx rd aec z cl r%Z fl ad a ede d qe qec fm re dl
e fl ad rx rd an ece dec% Edec k a gdec rdl adn & ae o re bec
xdl a red ady|e me ank& red l dly olr qy ec rd ml rdm ed aded
ta GD z b e zn| ze& r n n aa ~y|r ed ec e% De en ae o re
bec m a ml ~yne d ec rkec t dl aec a rd rdy dr a edly gdad dec
de% Ece dec xdl a q fec ae o re bec dx f& xde aec aec zla a rd
a rd xdr rle gdec ad adr fec dkr ec AZRB m rr a aa aec zla gda%- Red gdkn da aec ecd an aa EDRM f xdec rle dkr ec an
ece dec ec| aec xdr rle z rle o de& rlr glm rdl clne z aec qa an ake
ecl& rdye rle& dle l% Bk ed dec r edly e adr fec AZRB%
>%1%? Aa ede r gdad ~yne
>%1%?%>% Ede r rdya z gdad dec
- \y r ~yne rec dec y& ~y|r led e dkr ec AZRB f |y r gdad
dec% Edy ay rly bec an gdad dec rda q rec fe z d rda q mye ole edy
ay rded dle rda rd dkr ec AZRB ml xdr rle%
- Ma rdy edx rdec ty|e an GD aec fe rd gd eec r e an GD aec
ank%Rdik AZRB aec a gd eec xdr rle%
- Ze dn rly bec an be a aec ed dec e AZRB% Ecl Zlr Enm
rdec ~yne elm l zn| f oly dle q rec rdly& f rly tl% Edec cll r dle en|
a q rdn| l z qy| ecd z ty dec% f q ady|e bad r ty dec rlr glm
qnec dec rd aded ec% Bk dkr ec AZRB xdr rle m ec ~y| m zk
rdl lm e| f r rdad dx z a edly fl edye%
Qled zle rda rx0 Ol Rd Rdy Dkl 4Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
13/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
- Rl qe m ok f ec oya xdx f clx adk Ece dec de ad l k% Bk
ede zle rdm ed RQO xdl a red rdm ed ank% Z RQO aec xd rdya
zk q ryec rda an GD%
- Ze dn l zn| an ecl l zn| aec f mr |y r gd ~yne rec% Ze dn
rd dle eec fa xdx f z ma re edlm%
- \y r ede gdy da aec f mr |y r xdl ~yne rm% Gdy za a be q r
rd ma rly bec ed D El& RX D Ad Mled& Eec q ank de aa gdy
za gda%
>%1%?%?% Ede r rdya z ml rec gled r t dl
Rkec ml rec gled r t dl a edly |y r ed dec e dkr ec
AZRB% Ece dec xdl xde rad& em or a aa |y r e| n n edec ed
dec xd dx%- \y r gled r t dl0 q ole ec an ml rec gled r ed dec med m
e dkr ec AZRB% Mr ee gled r fm xdr ank mr e ed rd ecl be q a ty
dec rlr glm de rly bec% Eca fl mr ee gled r e ed f ml rec f
rec adk zla xdr rle dkr ec AZRB%
- \y r ze dn t dl0 ml zec& ml gdy za a mr ee ze dn& rx ~ye
gda edny bk q rly bec aec gda edny% Ecl mle Oa a ty dec rlr glm
de ecl mle Enm%
- \y r aed rned0 Qa x aed rned rkec ml ged za AZRB l zl aaEce dec ec| aec cln rec z cn| cr de% Gdec ad a q aed rned rkec el o
eced m ae a q aed rned an aa aec r| rl aded& aec r| ok dlm& aa rx ke
oe f% Edr f zk rdl lm e| Zlr Enm nec f ad e an edec rx ke Ece
dec& rx ke oe f gdec f%
- \y r gdkn da aec ecd0 D rdec g rdyr ece dec xdr rle clx gdad
dec z a Ece dec a edly rdye fl% Zla xdr rle d rdec rd rdned rke& rd re
bec q clx zla clnk bad a ble n edned adec z dly ~y%
>%1%?%1% Ede r rdya z ml rec xdx f
Ede r e| ra ec qy ec e dkr ec AZRB an aa EDRM% Ml rec
xdx f ra ec e red rr r& red e ed z rk ly gle dkr ec AZRB a
ble n rdec qyr& xdr rle zec ada& de ad edec a l a rd xdr qled%& re dl
e fl ad an aa oe rdnm cln ~yne d re bec z rdm ad e fl ad ~ya cln&
edly ea& a olr f aa ea xdr rle a Fyr re bec rly bec% Fx xdx
& a rd& dx f& ge g7 ded xdx& r xdx ecdlm mled z clm aa ~y| ed m
Qled zle rda rx0 Ol Rd Rdy Dkl
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
14/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
gdec ae rdlr q rk ly gle rdye fl adk dkr ec AZRB an aa EDRM xdr
rle%
>%1%?%2% Ede r aa aded qad an Aded xd
Ey Aded xd a edec ole xdx rad aa gdy|e gdad dkr ec AZRB rd
| f mr ly gle rdye fl xdr rle AZRB an aa aa EDRM edec ey Aded
xd a ole xdx glm ad z rdr adr aded qad m ec AZRB rd ecl zn| ze
fe Ece dec q aec zr z de rda dle zl a ad& rd ra& ~y| red& ly
gle% gdl zn|& bk c| gd gde& re gm adk aa EDRM% Eckl n aa aded qad&
adec red gled r ed aded qad rdy rdy edx& aded qad y l fl qyr zl ma
rly tn l clm ecdk z aec oec t dl& rk q xdr rle ae l cln eec rde
z rded rd& cln aa zec gled r zn a ecdn r ece gdkec aad cly ecdk& zn
f ly gle eec ank mr oec be r% Dka Ed ea n n aa aded qad recaec y r& gdy|e gdad y r rkec ea& rdy dr y r ea eckl ed d re
fl qyr adk zn|& clm aa rd ra m adk aa ed y r& clm rdy adk aa bkned
ecdlx ml rded fx mr mr edm ma rly xdr rle gled r& rec CBX& mr mr
fm clm rdr ecdlx& rec rdy edx adk ecl fnk ec& rec gd eec rl aded z bk
fm rec ma qec adk ecl be% Edec |y r e| ra mr dn| fy bl y ed
dec e ma ay AZRB%
>%2 Eec ank adr fec adk zn| rly bec an EDRM%
>%2%> Gdl elmAdr fec an aa gdke adk zn| rly bec an ece dec rdec ml rd dle
dly ~y q bec ze an ecl zn| rly bec%Gdad dec q bec ze zn| ec ma
ad& r a edy ay rly bec rdec ~yn q rl r an ece dec%Adr fec adk zn|
rly bec rr clx ece dec rdy dl a ca z fl& o x adl xd z rdy a fl
edye% ly e| a ecdn f ece dec zn rk n dly ~y gled r fl rk a dly ~y
t dl&ra ec r rad aa rl q xdr rle gled r% Ry| edle& zn| ze ED ze nec f
gd gde fe anecl rly bec% Gdec g ecye ze zn| rl ED& rdk me z eec
ank edy ay rly bec& ecl rly bec rdec xdl zn| me r edec ecye gdec
aded rda% Ecye ze e| mnec red adx z& gdec e ed& z adl xd ank& c| ed
dec rl l qec ecl rly bec& z ra ec ty e ee gled r% Aded z z|& ze
~yne rec dle en| f fm rd ek e eec ank adr fec AZRB an EDRM%
Eec ank adr fec AZRB f zla EDRM al rdle dly ~y ze zn| rly bec
an GD a ede adk ma ad rly bec& ~yn rdy dr rdm edly GD e zl ED%
Eec ank adr fec AZRB oly dle q cln rec rec b e& rec bkned q adk zn|&
clm r f e ~y de& rec rec q fec GD a zn| ze rl EDRM%
Qled zle rda rx0 Ol Rd Rdy Dkl >8Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
15/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
>%2%? Aa ad rly ed cl adr fec AZRB%
>%2%?%>% Ad rly b e%
B e adk zn| z bkned q adk zn| l zl aa gdke zn| rly bec0 B e f q
rle m ED nec adk zn| zk rdl lm ayl g% Bkned q adk zn| f rec q rle ED
adk zn| n rkec g% B e f ad rly rad fy ~yn aa rdl g& red rdik aec rda0
BEAZ g e| = BEAZ g ra ' BQAZ rkec g - BQ rdy e rkec g
| f ad rly xde ed edr adr fec AZRB an ED% Ey b e AZRB g
e| fe de g ra& dka bkned q adk zn| rkec g fe de g ra& a rd gdec
ed ec& adr fec AZRB nec a eec ank%
Qled zle rda rx0 Ol Rd Rdy Dkl >>Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
16/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
>%2%?%?% Ra rec rec b e AZRB%
BEAZ g e| BEAZ g ra
BEAZ g ra
| f ad rly xde ed ra eec ank adr fec adk zn| an ED edned dn|
adm% Tim tr rkec edly em& r f e| adk olr ra rec dn| clm% Ey ed
ad rly rec be ~yn aa em rd a rd rd| ec ra eec ank adr fec ec| aec
rec% Ry| edle& gdl q bec ad rly e|& ae xdl gr dx zl aa ad rly gda rd ml
r n a gr fye ec% Ey ed ra rec b e AZRB ed de qk zl aa edm
adk zn| gda rd gdec rd el ec adr fec AZRB a eec ank%
>%2%?%1% R rec b e AZRB re rec b e adk zn| an EDRM%
B e AZRB
Rec b e adk zn| an EDQ rec fe an ake q e| rd dle adr fec AZRB a eec ank%
>%2%?%2% R rec rdy fl r AZRB qk zl rec fl rdy%
Rdy fl r AZRB t >88)
Rec fl rdy
R rec e| rec fe ec ecdn zl rdy edx r AZRB ec| aec cx xde
~yne rec mnec fl fl edye adk ece dec z dkr ec AZRB ec| aec dly ~y%
>%2%?%9% Ad rly z e ~y de rly bec%R f E ~y de xde ed q b e ca z fl ~y de m adn rd rdy dl
a% R f e ~y de ank adec r adr fec adk zn| rdx z eca fl% $Clk red
Ece dec rdec ml& RQ Ecy|e Ze Rle,%
Q b e ~y de
Rec b e
>%9 ecdn an zla eec ank adr fec adk zn| rly bec rl EDRM%
Zl ~y| m AZRB ed dle en| an Zlr Enm rd ze ae ~y o qk zl edecea xdr rle& aec ed adn rec tec zl rlm eec xdr rle an r ea rn% Bk
z| m ec ~y| m AZRB gdec edec eec ank gd eec aed rned a zl
edec Ece dec ea eckl m ae x ec a edy ay be a%
Or g mr dkr ec ek aec xdl a dly ~y& edr f rkec fed za gled r%
Dly ~y ank gdec ad mnec fl fl edye fe adk ad bkned ecdlx m ae rec gd
eec ec cx adk ee gled r% Edly bkned ecdlx fm e gm dly ~y& gr dx zl
edec rd ad& aded qad& xdx fyr an Ed ea q n Zlr Enm rn xdr rle z
gled r z e led z aded r%
Qled zle rda rx0 Ol Rd Rdy Dkl >?Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
Ra rec rec b e =
R rec b e AZRB =
R f e ~y de =
R rec =
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
17/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
ADEC LL
RDA R_EC ADR FEC ADK ZN\ RLY BEC
RL ECE DEC R * XR ADL EDED ECD NE
?%>% Rec ~yne z adl eded Ece dec R * XR Ecd Ne%
Adl eded Ece dec y r z Xdr rle Ecd Ne f e z ra rdya Ece
dec y r z Xdr rle Zlr Enm& a rded fx ec| ?:+89+>?+ > ,
- Adl eded Ece dec y r z Xdr rle Ecd Ne $ R rdec >?+>4888 gdad dec f a ede a clnk bad rle cl rlr glm& g xdly&
rl xdly
?%>%>%A ay r ada
Adl eded EDR * XR Ecd Ne a r q aded rl ?>:& F Bye& RX Zled& red
Ecd Ne% Red e ayl em ?8>8& m ded r ada an Adl eded cm0 Dl q adl
eded& 2 xdec clnk bad $Dy|e Ble Ady& cn Zled& ad Zled& ^ye Oed, z ? ~y
rlr glm $q 1& Xdec D Dy| Rx,%
Qled zle rda rx0 Ol Rd Rdy Dkl >1Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
18/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
Q >0 A ay r ada an adl eded Ece dec R * XR Ecd Ne%
Rec q ae o ede zle an Adl eded Ece dec y r z Xdr rle Ecd
Ne f >31 ecl& rkec a >9: ecl a red l da z re l da rec ec
zl 2Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
Gdl ~yef l k
Gdl^DGD
Gdl raecdlx
Gdl ~yef el o
Xdec~ye fl k
Xdec~yne dgdad
dec >
Xdecbad zgdaddec
Xdec gdkadrec dx
Xdec~yne dgdaddec ?
Xdec~ye fbad zgdk ~y
Xdec
~ye rre bec
XdecRdnedrke~ya r
Xdecrl adedg rke
Xdec r
adaede q
Xdecble rke
One Clm a
Gdl rardya
Xdecclnk badq >
Xdecclnk bad
q ?
Xdecclnk bad
q 1
Xdecclnk badq 2
^y rlrglm q 1
^y rlrglm D
Dy| Rx
Xdec~yne dgdaddec 1
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
19/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
Rl Dl q Adl eded Ece dec y r z Xdr rle Ecd Ne a r rl ?>:
F Bye RX Zled Red EN7 zl >2 xdec one z %?% Rm rr z ~y red gle rx%
Ec| ?3+:0 e fle d tle gle rx rl r q aded an Adl eded Ece dec
R * XR Ecd Ne rl n ad q ?>:& ec F Bye& RX Zled& red Ecd Ne%
Rye >0 Rm dly z Adl eded Ece dec R * XR Ecd Ne 6 ml rec
fm zla& a ay r ada& fed za dkr ec5 z fn ade rl gle rx%
Rye ?0 Qny gdl ade a rl rd a xde zk xdec ^yne d gdad
dec 1 rl r q aded an Adl eded% Or y fm ~yie zl aec zla aded an xdec
^yne d gdad dec f aec ra rlx rd z xdr rle ~yne d gdad dec& aec ra
re bec& rl r b e& aec ra oe qe xdm z bad z ece dec oe fa rl fly
z am enec re bec& aa ze oe dec be& aa ~y| ad adk zn| an Ece dec R
* XR%
Rye 10 ^yne qr aec zla an aa ae o rkec xdec ^yne d gdad dec%
a xde aec fm r f adk ae o gdad dec rda dle rlx ta zl gdad dec&
rlx ede aa o d q tle zn|& rdm ed re bec z fx dx ec re bec% Dl edec
ly adn z ~y| red rda dle ecdlx z adk zn| rly bec& tle rdm mr q rl
fly& q fly fle ~yne xda z adk zla zlr ok ak%
Rye 20 Tle rdm edec rl fly ae rdlr& dke rded zla zlr ok ak%
Ec| ?2+30 Tle gle xde dl& edec ede tr an rec xdec z edec
cll xdx ey n rkec ok ak& qny tle adec ede an clm a%
Ec| ?4+30 Tle ede tr an clm a z ~y red gle rx%?%>%1% Red ded z gr ~y dkr ec gled bkned an Adl eded
?%>%1%>% Rec ~yne z ml rec gled bkned r em ?884 e en y em ?8>>%
Rkec edec em ?884 ?8>8 z en y em ?8>> & d rdec EDRM cx
edly gd gde ra edec ole ec rl adly an ee gled r rd cll aec ed
rkec ea% Zl q e fa an Aded xd edm ma ad e e ee gled r z m& gad
ay gled r& glm ad z glm qkr fm xdr& ee gled r Zlr Enm nec be be dl
xda% R cl fle ece dec a ly aded xd dx de& ta fx fl ole r cl
YQB+ZEB% ec rdl Aded xd med rn| x bec aa ole xdx ane rdlx zk rd
Qled zle rda rx0 Ol Rd Rdy Dkl >9Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
20/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
rec dl kl z ra ec med e rm f cm cl& y r eckl r ae l fl
ayec ay rd rec% Aa ad q fm xdr& cl a& y r ea eckl zk Zlr Enm r
gr ~y ec g% Ry| edle& ed dec an cl gad ay y r rdec ~yn d r fl qyr
ece de rd adk zn| ryec bl de a edec ra ec or fl edr ed& | aa Ece
dec zk aya yn fl qyr dy| ec ml% De en& ae qr an rd rec zec fle ra
fx edec ed ml& rkec gdl rd rec adec gdke z or ec qe ad f edec r
qec ed rk ee mr rd rec rle r gm e ed& red rdned gdke an aa EDRM
clm qr% Dkr ec re bec rec rdl o ec ra x fa y em cll ece ze
gad rdad QTGB& ayl em fl glm qkr rec rec
Edec gd gde re c| ed dec gdec ed e dkr ec gled bkned
an Ece dec% Ma b OLBZ fye ad ec rkec dkad ed adle fa& ly ded
gled bkned fled dkr& edec dy ed edec g dkad r n r y em y xdl lyaded adk xd dx%
?%>%1%?% Red ded dkr ec gled bkned an Adl eded Ece dec R * XR Ecd
Ne ~yn edec em ?884 ?8>8%
?%>%1%?%>% Dkr ec dy| ec ze%
Rkec ol aed ee gled r a edly ble ole xda rx& fm xdr rec ank& ole
ec cl zec& cl eckl r& aed rned cn| cr cln aa EDRM a olr f aed rned z
fl qyr dy| ec ze a ed dec ra rlx e y zk an aa EDRM& qkec Adl
eded EDR * XR Ecd Ne ze rlx ra xdr rle e ed& ecye ze dy| ec zea m ok%
Qled zle rda rx0 Ol Rd Rdy Dkl >: Fx Ned 9 Rl aded ? G23M qled zle0 8491 818 8:>
-
8/2/2019 GII PHP NNG CAO CHT LNG CHO VAY TIU DNG TI NGN HNG U T V PHT TRIN CHI NHNH NGH
21/41
Ok ak rda rx CZDB0 RQ%Re Rd FecOed
Oec >0 Red ded dy| ec ze rl Adl eded Ece dec R * XR Ecd Ne
~yn aa em ?884 ?8>8
e z0 r ec
Ad rly Em
?884
Em
?888
Qk qed?888-?88
? 1 2 9=1-?:=$9+?,t
>88)3=2-1
4=$3+1,t
>88)
Rec ecye ze dy| ec >%?>< >%922 ?%8>9 1?9 ?:&3 23> 18&9L%Xde rdik fkl rle
>%EZ el r?% EZ eckl r
>%882?>9
>%?4