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PH LCChng 1: RI RO THANH KHON..................................................................................Trang 2

1.1 Khi nim v thanh kh !n v" r#i r thanh kh !n..................................................Trang 21.2 C$ ng%&'n nh(n )*n +,n r#i r thanh kh !n........................................................Trang 21.2.1.......................................................................................... .. C%ng v" $-% v thanh kh !n

.............................................................................................................................. Trang 1.2.2...................................................................................... /nh gi tr0ng thi thanh kh !n

.............................................................................................................................. Trang 1.2.3................................................................... C$ hng h %!n 34 r#i r thanh kh !n

.............................................................................................................................. Trang 5Chng 2: T6NH H6NH THANH KHO7N CA 89T ; N?N% ti'n +-% t v" $$ t"i D!n ) )"ng $h%&Wn + i th"nh tin mjt mot $$h

nhanh $h ng nhng v*n +!m ! $ hi% %! kinh ) anh.

3.2.3.2 Thw$ hin vi$ %!n 34 tEt $hlt 3Yng tGn )[ng k h0n tGn )[ng r#i

r 3ei D%lt v" kh] hz 3ei D%lt:

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khi mz $$ $hi nhnh hung gia )U$h $$ ng(n h"ng h!i tGnh +,n vi$ 3%(n $h%&Wn$$ )ung vEn gi a $hi nhnh hung gia )U$h vVi hoi Dz $hGnh nh th, n" +W +!m ! tGnh thanh kh !n $#a $! h thEng vVi $hi hG thl nhlt. 8%En 3"m +Y$ +i% n"&

$-n $ mot nn t!ng $ ng ngh _h thEng ng(n h"ng$Et 3i ` $ r] ankingb hin +0i. vf& kh ng $un $$h n" kh$ $$ ng(n h"ng $-n h!i +-% t nhi% hn v" $ ngngh th ng tin.

3.2.3.7 '() *+,- ./0 ,- , (, 04, 56 789, ./: ,;,- ? .@5 ,- ,- 0 DFht triWn ng% n nh(n 3w$ a gi $ng 3" m[$ ti'% h"ng +-% $#a mi t $hZ$ ) anh

nghi . i$ ht triWn +oi ng nh(n vi'n %!n 34 n i $h%ng v" %!n 34 thanh kh !n

n i ri'ng 3" $-n thi,t +Ei vVi lt k ng(n h"ng thng m0i n" . ChGnh o hfn n"& Dy

tham m% +p$ 3w$ $h $l 3enh +0 ng(n h"ng tr ng vi$ +a ra $$ %&,t +Unh +cng+pn kU th^i nh~m ngXn $hjn khp$ h[$ nh ng r#i r ht Dinh v" hVng h 0t +ong

kinh ) anh +,n nh ng th"nh $ ng mVi. vf& ng(n h"ng $-n $ k, h 0$h t%&Wn )[ng

+" t0 Dd )[ng nh(n vi'n mot $$h kh a h$ minh 0$h v" snh +ng. /jt nh(n vi'n

v" nh ng vU trG thG$h hY vVi kh! nXng $#a h 3" mot kh(% %an trng tr ng $ ng t$

$n o nh~m +!m ! r~ng $hGnh +oi ng nh(n vi'n n"& Dy 3" nh ng ng^i g h-n

v" th"nh $ ng $h%ng $#a ng(n h"ng .