tÍn dỤng (cho vay).pptx

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TÍN DỤNG

(CHO VAY) NHÓM 1



NỘI DUNG BÀI THUYẾT TRÌ

TỔNG QUAN VỀ HOẠT ĐỘNG TÍNDỤNG (CHO VAY)

PHÂN LOẠI TÍN DỤNG

CÁC PHƯNG TH!C C"P TÍN DỤ



TỔNG QUAN VỀ HOẠT ĐỘNG

C"P TÍN DỤNG ( CHO VAY )



TỔNG QUAN VỀ HOẠT ĐỘNG TÍN DỤNG

•

Cho vay# $%& ' *+ !" #$"%# *+ ,-$ ./0 2& (2& $34 ,56) $7&' &'7:& 0+ $3;&3 $34 <= 0>?&' @3$ (2& < ,56) 0B4&' < 2& < ,534+& 0BF 0+ $3;&3 $34 2& $34 ,56 0B4&' ./0 03 3& 035 037J& ,03>&' @K. 034 &'( )*+

2&$34,56

2& <,56

N'7:& 0+ $3;&3

H4+& 0BF 0+ $3;&3 @K. * 780



TỔNG QUAN VỀ HOẠT ĐỘNG TÍN DỤNG

Đ$ <.

$R5 0;& S&'

6 SW&'0B2& *%&' 0&

T;&3 033&

T;&3 34+&0BF

H4+& 0BF '

0BX '=$

TBF ' 0BX

*

Q75& 3- 0;& S&'$3\ 930 &3 @3&'> $34 ,560& 0>]&' ,+4 ^<X&3 0BF &? $R5&'> < ,56 ,+@3F &_&' 0BF &?

$R5 &'> <

N'> < ,56 $3\<>?$ ` S&',=& ,56 0B4&'./0 03 '5&&380 <X&3# @33a0 3& E 93F34+& 0BF $34

&'> $34 ,56

G 0BX '=$ 5&<b7 93F <>?$0BF * &'762&,c& ,d &'>

$34 ,56

P3b& * *+ $3 93; .+ &'>< ,56 0BF < $e76d& ` S&',=& 0. 03

Q75S&

0:& </ BR

<



V50B%

03f$ <Z6 e70Bg&3 0 F&

h780 .] B/&',+ '9 93b&

<d7 0a0 ,i .&d& @&3 0a

03f$ <Z6e7 0Bg&30;$3 0 ,+0J9 0B7&'

,=&

0a0 @-.$3 93;

*>7 03&'h 3/

03W$ 3-&$3;&3 $3

h 3/



VAI TR, C-A TÍN DỤNG

T;& S&' *+ $&' $ 03f$ <Z6 e7 0Bg&3 0 F& h780 .] B/'9 93b& <d7 0a0 ,i . &d& @&3 0a• T;& S&' <&' ,5 0B% *+ $b7 &= 'j5 0a9 @-. ,+ <b7 0> Gf9 $34 ,=

&'> $ &'7:& 0+ $3;&3 &3+& Bl <a& ,m &'> $ &37 $b7 .] B/&' 930 0B& 34$ $ &37 $b7 027 S7&' 0B>m$ .n0

•

TB4&' &d& @&3 0a F& h780 3+&' 34# 0;& S&' *+ ./0 0B4&' &3j&' &'73g&3 03+&3 ,=& *>7 </&' ,+ ,=& $= <X&3 $R5 S45&3 &'3-9# $ 03 0386$ F&3 3>]&' B80 *m& <a& 340 </&' $R5 $F &d& @&3 0a

• T3&' e75 ,-$ <>5 B5 &3j&' $3;&3 $3 0+ $3;&3 o 0d& 0-# ,+ &3j&' ,d $89 0;& S&'# $34 ,56 pN3+ &>m$ E '& 0a9 <d7 0a0 ,i . &d&e7$ S&




T;& S&' '9 93b& 03f$ <Z6 e7 0Bg&30 ,+ 0J9 0B7&' ,=&•

H40 </&' $R5 &'& 3+&' *+ 0J9 0B7&' ,=& 0d&03 $3>5 ` S&'# 0B2& $q ] < $34 ,56 $$ <@&3 0a M0 @3$ e7 0Bg&3 <b7 0> 0;& S&' <>?03W$ 3-& ./0 $$3 0J9 0B7&'# $3R 6a7 *+ $34 $&'3-9 *m&# &3j&' h; &'3-9 @&3 S45&3 3-7 e




T;& S&' '9 93b& 0a0 @-. $3 93; *>703&' h 3/• T;& S&' 3& $3a <>?$ *>?&' 0d& .0 *>7 03&'

h 3/ &2& 'F. m0 <>?$ $$ $3 93; 0B4&' ,-$03&' 0d& .0• V-$ SX$3 $376& $$ e7r 0d& S>m S&' $376

@34F& *7& 037J& 0-&# &35&3 $3&' ,+ 5& 04+& 3

,m ,J& $376& 0d& .0




T;& S&' '9 93b& 03W$ 3-& $3;&3 $3 h• VDs N3t. 03W$ 3-& $3;&3 $3 930 0B& &&' &'

@376a& @3;$3 &'> &&' S& <u .m 93>q&' 03[h780 9 S7&' .6 .$ 03a0 X 0B4&' 0B:&' 0B0 $3_

T3R T>m&' $3;&3 93R < B5 e76a0 <X&3 0B& @35vC3>q&' 0Bg&3 3l 0B? * 780 $34 &&' S& ,56 ,=.6 .$ 03a0 X# ,J0 0> &&' &'3-9w

• Q75 <6 05 $ 03 0386 0& S&' < <>?$ ` S&' &

$&' $ 0BW$ 0a9 03f$ <Z6 $3;&3 $3 930 0B& h



PHÂN LOẠI HOẠT ĐỘNG

CHO VAY



T;&

S&'

P3& *4 034 03 3&

P3& *4 034 .$ <;$3 ,=&

P3& *4 034 0;&3 <F. F@34F& ,56

P3& *4 034 3g&3 03[$ 0BW$ 0a34$ '& 0a9



.H/N 0OẠI TH1O TH2I HẠN

V56 &'n& 3&

V56 0B7&' 3&

V56 S+ 3&1 5 5+

&3t. <9 [&' &37 $b7 ,d ,=& *>7</&' $R5 @3$3 3+&' 0B4&' 340</&' @&3 S45&3 34$ 034F .&&37 $b7 ,d 027 Sx&' $R5 @3$33+&' 0B4&' 03 '5& &'n&

<>?$ ` S&' < 034F .& &37 $b7 .75n. 0+ F& $= <X&3 $R5 @3$3 3+&' 0B4&'@&3 S45&3 (.6 .$# 03a0 X# &3+ h>]&'#$&' &'3-pp) 34$ &37 $b7 .75 n. 0+F& $ ' 0BX *m& &3+ ]# 93>q&' 0-& < *#p



.H/N 0OẠI TH1O 3ỤC ĐÍCH 45 DỤNG V

M T $

< ; $ 3 Cho vay 7("h #oa"h

Cho vay )8" 9*+ 7("h #oa"h 93Z. 0;& S&' &3t. <9 [&' &,56 ,=& < 03W$ 3-& $$ SW & < 93>q&' & F& h780 @&3 S45&3# SX

Cho vay (:* #;"%

Cho vay (:* #;"% *+ F& 93Z. 0;&3l 0B? &'7:& 0+ $3;&3 $34 $$ &3

.75 n. ,J0 S&' '5 <g&3# `5 $3]# *+. @&3 0a 3/ '5 <g&3# 035&3 04 93;# < S7 *X$3# $3j5 -&3 ,+ $

$b7 03a0 6a7 @3$ 0B4&' $7/$ =



.H/N 0OẠI TH1O TÍNH B<O Đ<3 C-A =HO<N

Cho vay có bảo đảm bằng tài sản• Đ6 *+ 3g&3 03[$ $34 ,56 93u a& &380 $R5 $$ NHTM 3-& &56• y4&' 4&' ,m 3?9 <:&' ,56 0d& &'& 3+&'# @3$3 3+&' @^ 032. 3?9 <:&' F4 <F. t&' 0+ F& N/ S7&'

<:&' F4 <F. t&' 0+ F& *+ &a7 @3$3 3+&' @3&' 0BF <>?$ &?# &'& 3+&' E 930 . 0+ F& $R5 @3$3 3&'& 3+&'

Cho vay không có bảo đảm bằng• {3 $34 ,56 @3&' $ F4 <F. t&' 0+ F&# -& 939 F4 <F. $ 03 *+ F4 *&3 $R5 &'& 3+&' @3$# $34• {|. 93u a&# $3a. 0} *- &3 0B4&' 0u&' S> &? $R5 &3& 3+&'# $3R 6a7 *+ ,56 0;& $389• C$ &'& 3+&' 03>q&' . 03>&' *W5 $3& &3j&' @3$3 3+&' $ 0;& &3-.# &3j&' @3$3 3+&' *+ &'> $

<X5 ,X h 3/ < $34 ,56 0;& $389 C34 ,56 0;& $389 03>&' *+ $34 ,56 027 Sx&' N3d7 &'& 3+&' $34 ,56 0.$ 027 h 3/# &3j&' SW & $34 ,56 &3> ,J6 03>&' *+ &3j&' SW & $34 ,56 034 $3\ <X&3 $R5 C3;&3 93R



.H/N 0OẠI TH1O HÌNH TH>C HÌNH THÀNH =HO<

• {3$3 3+&' 0BW$ 0a9 <a& N'& 3+&',+ h& ,56 ,=& N'& 3+&' 0BW$ 0a9$376& '54 0d& $34 @3$3 3+&' `S&' 0B2& $q ] &3j&' <d7 @-& .+35 2& 034F 037J&

TBW$0a9

• $34 ,56 03&' e75 $$ 0u $3[$ 0B7&' '5&34$ 03&' e75 &'> & *~ $$ F& 93Z.<b7 ,+4 $R5 e7 0Bg&3 F& h780

• C34 ,56 '& 0a9 03>&' <>?$ 9 S&' <=,m 03X 0B>&' $ &3d7 .& ,56 &3# &'>,56 93& 0&# $$3 h5 N'& 3+&'

G&0a9

VDs {3$3 3+&'7:& ,=& @&

<g&3# 57 @3 34,+ <>?$ <:&' ^

3+&' E <>?$ &3{3 <4 3& @3

0a9 <a& 0BF &?

VDs . 3g&3 $3&&' S& o &'&

03 &&' F& N$34 &&' S& $5

N&' S& $376&027 03 € CT

0356 $34 &'



CÁC PHƯNG TH!C C"P TÍN DỤNG

( CHO VAY )



C?C .H@NG TH>C C. TÍN DỤNG

CÁC PHƯNG TH!CCHO VAY PHỔ IN

C34 ,56 0k&' *b&

C34 ,56 034 3& .[$ 0;& S&'

C34 ,56 034 SW & <b7 0>

C34 ,56 0BF '9C34 ,56 03&' e75 &'3-9 , 930 3+&3 ,+ ` S&

S&'

C34 ,56 3?9 ,=&



CHO VAY TNG 0N

• .hEF"% h ho vay "% &J" Kho vay hLo M" *+ 93>q&' 03[$.+ &'& 3+&' $_& $[ ,+4 0k&' @a 34$3# 93>q&' & @&3 S45&3# 0k&'34$ 0k&' *4 ,J0 0> $ 03 < $34 ,56 $$ @34F& 34+& 04+& B2&' -

• Đ= 0>?&' $34 ,56s

‚ C34 ,56 < u 7&' &37 $b7 ,=& *>7 </&' 03a7 30 0B4&' F& h7

‚ {3$3 3+&' F& h780 @&3 S45&3 @3&' u& <X&3# &37 $b7 ,56 0BF

03>&' h762&‚ C &37 $b7 <d &'3X ,56 ,=& 0k&' *b& 34$ &3j&' @3$3 3+&' @30;& &3-. $54 <= ,m &'& 3+&' € &'& 3+&' 9 S&' $34 ,56 0k< '. 0# @. 0B5# e7F& *^ ,-$ ` S&' ,=& ,56 $30 $3E# 5& 04



CHO VAY TNG 0N

T3&' 1

Cb& ,=& &3J9 N'762& ,J0 *-7 ,dF& h780 €V56 ƒ„„ 0B-7 .75

NVL 03 3& …03&' * h780 5†

T3&' ƒ

Cb& ,=& .75 03a0 X.m € @; 3?9 <:&'0;& S&' .m ,56 1‡„

0B-7 03 3& ƒ 03&'* 780 †

T3&' …

H4+& 0BF $34 &3+&' @34F& &?

.75 N'762& ,,m * 780 5†

Vˆ& $%& @34F&.75 03a0 X *† <>?$ 0;&3 B

Đ$ 0B>&' $R5 $34 ,56 0k&' *b&s

‚ C34 ,56 <= ,m 0k&' @34F&,56 B2&' -0 @3&' $ W *2&3- 'j5 $$ .& ,56 $R5 ./0@3$3 3+&'

‚ Ml *b& ,56 @3$3 3+&' 93F@^ @a0 ./0 3?9 <:&' 0;& S&'

B2&' 0B4&' < $ $$ &/ S7&'&3> = 0d& ,56# * 780# 033&

VD S45&3 &'3-9 $ &37 $b7,56 0k&' *b& < u 7&' ,=&0B4&' 0k&' @37 F& h780 @&3S45&3 &3> 57s



CHO VAY TH1O HẠN 3>C TÍN DỤNG

•

o Cho vay hLo hP" M !" #$"% *+ 93>q&' 939 $34 ,56 .+ &',+ @3$3 3+&' h$ <X&3 ,+ 035 037 ‰& . ‰0 3& .[$ 0;& S&'# S76. ‰0 @34F&' 03 '5& &380 <X&3 T34 < @3$3 3+&' $ 03 ,56 0334$ 0BF m0 &? 0B4&' 0+ @34F& ,56 $R5 .g&3# 080 $F ,ˆ& $37&' 1 .780

• Š Đ= 0>?&' <>?$ ,56 034 3& .[$ 0;& S&'s

‚ C$ S45&3 &'3-9 .+ 0B4&' e7 0Bg&3 340 </&' F& h780 @&3 S03>&' h762& $ &37 $b7 ,56 0BF# 0=$ </ *7& $376& ,=& 0;& S&'$ 0;& &3-. ,m &'& 3+&' 0B4&' e75& 3- 0;& S&'# 0[$ *+ ,56 ,=&&? %&' 93‹&'



CHO VAY TH1O HẠN 3>C TÍN DỤNG

T3&' 1

CT ,56 ƒ„„0B .75 N'762& ,J0 *-7 $34F& 780

HMTD $%& Œ„„0B

T;&3 * 5†&_.$34 @34F& ƒ„„ 0B-7

T3&' ƒ

C&' 06 ,56 0a91‡„0B < .75 03a0 X

HMTD $%& ‡„ 0B-7T;&3 * 5†&_.$34 @34F& 1‡„ 0B-7

T3&' 1Œ

C&' 06 A 34…‡„ 0B-7 $x&'0u&' *

Đ$ 0B>&'s

‚ {3$3 3+&' $3\ 93F *+. 1 /3: q S76 &380 ,+ @; 1 F& 3?9<:&' 0;& S&' S76 &380

‚{3 $ &37 $b7# @3$3 3+&' $3\$b& *J9 7} &3-. $3# |$ Bf0 0d&.0 < Bf0 0d& &3>&' @3&' <>?$Bf0 ,>?0 e7 3& .[$ 0;& S&'

‚N'& 3+&' @3&' 8& SX&3 033& 0BF &? $34 0k&' @34F& ,56 .+,-$ 0BF &? <>?$ 03W$ 3-& 0B4&'03 3& 3-7 *W$ $R5 3?9 <:&' 0;&S&'# @3$3 3+&' $ 03 0BF &?&3d7 *b& 0B2& $q ] @Ž *7&$376& ,=& $R5 .g&3

VDs C&' 06 A @; ,m N'& 3+&' ./0 3?9 <:&' 0;& S

.[$ *+ ‡„„ 0B * 780 5† 0B4&' 03 3& 1 &_.



.h" (S ho vay "% &J" v ho vay hLo hP" M !"

Cho vay "% &J" Cho vay hLo hP" M !

G=&' &357s o Đd7 *+ $$ @34F& ,56 &'n& 3&# @3&' e7 1Œ 03&'

Đ(E"%WX #$"%

Š{H $ &37 $b7 ,56 ,=& @3&' 03>&' h762&# &'7:& 037 @3&' u&<X&3 &'& {3$ 3+&' @3&' <>?$ 0;& &3-. $54 $R5 &'& 3+&'Š{H $ &37 $b7 ,56 0k&' *b&

Š{H $ &37 $b7 ,56 ,=& o 0BF &? 03>&' h762&Š{H $ <_ ‰$ <. F& h780 @&3 S45&3# *7& $3703

Th $ {3$ 3+&' &/9 3: q ,+ @; 3?9 <:&' .m $34 0k&' *b& ,56 ,+ $3X7.[$ * 780 ,+ 035 037J& @3$ &357

{3$3 3+&' $3\ *+. 1 / 3: q S76 &380 ,+ @; 1S7&' S76 &380# 0B4&' < e76 <X&3 .[$ * 780 $$R5 3?9 <:&'

Q*y MZ7ho8"ho vay

Đ>?$ h$ <X&3 $_& $[ ,+4 &37 $b7 ,56 ,=& $R5 {H# ' 0BX 0+ F&

F4 <F.# @3F &_&' 0BF &? $R5 {H# @3F &_&' &'7:& ,=& $R5 NH# 'm3& $34 ,56p ,+ <>?$ '3 Bz 0B4&' 3?9 <:&' 0k&' .& ,56

Đ>?$ h$ <X&3 SW5 0B2& $q ] SW 0;&3 ,d *>?&' ,$b& 0B4&' 7=0 03 3& S76 0Bg 3& .[$ 0;& S&

=[ hP" C @Ž 3& &? $ 03 $34 0k&' @34F& ,56 &'> ,56 0BF &? $34 0k&'@34F& ,56 ] 03 <. <4 3& .l @34F&

{3&' $ @Ž 3& &? $ 03 $34 0k&' @34F&# $3\ 3& .[$ 0;& S&'# @3$3 3+&' $ 03 *W5 $3& 0$7= 03 3& $R5 HĐ

G(8("%"v"

{a 34$3 'F &'& (. ‰0 34_ ‰$ &3d7 *b&) <>?$ '3 Bz 0B4&' 3?9<:&' ,+ $ 03 <d7 $3\&3 &a7 NH <:&' ^M80 03 '5& ,+ e75 &3d7 03R 0$

{a 34$3 Bf0 ,=& @3&' <>?$ '3 0B4&' 3?9 <:&$b7 03W$ 0a 0B4&' 93. , 3& .[$ 0;& S&' $%& N35&3 '&# @3$3 3+&' 34+& 04+& 0W $3R

0'( )*+ L 780 034 03X 0B>&' L 780 03>&' $54 $34 ,56 0k&' *b& S4 NH *7

$34 {H ,+ .[$ * 780 <>?$ $= <X&3 0B4&' 7=0



CHO VAY TH1O D\ ?N ĐU T@

• Cho vay hLo #] W" ^J* E &3t. $7&' [&' ,=& $34 @3$3 3+&' <3-& $$ SW & <b7 0> 930 0B& F& h780 @&3 S45&3# SX$3 , ,+ $ 93$ , < =&'

Š Đ= 0>?&' $34 ,56 *+ $$ SW & <b7 0>,d 03a0 X# .6 .$# &3+ h>]&'# $$$&' 0Bg&3 h6 SW&' $q F& &2& 03

3& $34 ,56 03>&' S+



CHO VAY TH1O D\ ?N ĐU T@

Đ$ <.s

- C34 ,56 034 SW & <b7 0> 037/$ *4 0;& S&' 0B7&'# S+ 3&- N'7:& ,=& ,56 *m&

- L+ ./0 &'3-9 , @&3 S45&3 0B76d& 03=&'# $ @3F &_&' &3 * $54

- C3[5 <W&' &3d7 BR B4# 93F 0a& 3+&3 03Z. <X&3 B80 &3d7 ,d 03X 0B>&'# @r 037J0# e7F& *^

- T3>&' @K. 034 627 $b7 ,d 0+ F& F4 <F.

V; Ss T3&' 0& ,d $34 ,56 034 SW & <b7 0> $R5 &'& 3+&' IDV &3> 57 s

‚ Đ= 0>?&' $34 ,56s 04+& / $$ $3 93; 3?9 *^ *2& e75& <a& SW &

‚ L4 0d& $34 ,56s VND# UyD# &'4 0- @3$

‚ y= 0d& $34 ,56s 0= <5 ‘‡† 0u&' .[$ <b7 0>

‚ T3 3& $34 ,56s 0= <5 1‡ &_.

‚ T+ F& <F. F4s 0+ F& 3g&3 03+&3 0k ,=& ,56 ,+34$ 0+ F& @3$ 034 e76 <X&3 $R5 IDV

< Nguồn : http://bidv.com.vn



CHO VAY TR< G_.

• P3>q&' 03[$ &+6 'f9 &'> ,56 $ <d7 @-& .75 n. 0B5&' 03a0 X N'& 3+&' ,+ @3

h$ <X&3 ,+ 035 037J& = 0d& ,56 93F 0BF $/&' ,m &? '=$ <>?$ $35 B5 < 0BF &? 034 @0B4&' 03 3& $34 ,56

• Đ= 0>?&' $34 ,56s‚ C$ @3$3 3+&' $ 037 &3J9 03>&' h762& ,+ u& <X&3 &3> *>q&' T3>&' *+ $& / $,2& 34$ &3j&' $& / < ,d 3>7 ,+ <5&' <>?$ 3>]&' *>q&' 3>7‚ Đ= 0>?&' &3 ,2&# 3$ &3 $ &'> F4 3/

• N'& 3+&' E $34 ,56 SW5 ,+4 .[$ *>q&' ,+ @3F &_&' 0BF $R5 &'> ,56 N'> ,56 E

./0 93b& '=$ t&' = 0d& *>q&' <>?$ 3>]&' $R5 .g&3

• M/0 = 0u $3[$ $34 ,56 0BF '9 < 340 </&' *7 &_. ] VNs PP’ # ACy #’“ C”“DIT



CHO VAY TR< G_.

Đ$ <.

• y= ,=& ,56# * 780# @Ž 3& $R5 3?9<:&' 0356 <u 034 ,-$ @3$3 3+&' $

34$ @3&' $ F&' *>q&' ,+ '86$3[&' .&3 037 &3J9 Na7 @3&' $$$ '86 0 &+6 03g = ,=& ,56 E 3&

$3a 3q&# * 780 E $54 3q& ,+ @Ž 3&$R5 3?9 <:&' E &'n& 3q&# 034 e76

<X&3 $R5 0u $3[$ $34 ,56

• L 780 $34 ,56 0BF '9 03>&' ] .[$$54

V; S• & &3 ,2& N @3&' $ 0

,56 0BF '9 .75 *590 N ,56 0B< 0BF '9 0B4&' 1Œ 00;&3 04& $R5 PP’ 03g = 0d& 3

N 93F 0BF $3\ *+

• T34 <s Tu&' 0d& N < 0BF 5*+ —…„„…

• L 780 $R5 3?9 <:&' *+ –

< Nguồn http://!!!.hom"c#"dit.v

CHO VAY TH`NG QUA NGHI. VỤ .H?T HÀ



CHO VAY TH`NG QUA NGHI. VỤ .H?T HÀVÀ 45 DỤNG THb TÍN DỤNG

• N'& 3+&' $34 ,56 $389 &3J& $34 @3$3 3+&' <>?$ ` S&' = ,=& ,56 0B4&' 93

.[$ 0;& S&' < 035&3 04& 0d& .75 3+&' 34# SX$3 , ,+ Bf0 0d& .0 0 .6 Bf0 0</&' 34$ <. [&' 0d& .0 *+ < *; $R5 &'& 3+&'

• Đ= 0>?&' ,56 e75 03~ 0;& S&'s C &3& 34$ 0u $3[$ $ &37 $b7 ` S&' 0d& *&303 ,+ 03>&' *+ = 0d& &3# Sx&' $34 .$ <;$3 .75 n. 0+ F& &3 0B>m$ .n0

• Œ 0u $3[$ 930 3+&3 03~ 0;& S&' (CBS0 C5BS) 93u a& &380 03a 'm *+ s V5 ,+ M

• C$ &'& 3+&' 0 V-0 N5. 3?9 0$ ,m Œ 0u $3[$ &+6 930 3+&3 03~ 0;& S&' 0 V

CHO VAY TH`NG QUA NGHI. VỤ .H?T H



CHO VAY TH`NG QUA NGHI. VỤ .H?T HVÀ 45 DỤNG THb TÍN DỤNG

Đ$ <.s

• {3$3 3+&' 93F $3[&' .&3 0+ $3;&3 ,+ @3F &_&' 035&3 @34F& &3> 037 &3J93+&' 03&' .m $ 03 <>?$ S76-0 *+. 03~

• {3&' $b& 0+ F& <F. F4

• {Ž 3& $R5 @34F& &? B80 &'n& T3>&' S>m Œ 03&'

• H& .[$ $34 03~ 0;& S&' &3

• {3$3 3+&' $3R </&' ,56 &? e75 035&3 04& t&' 03~ 0;& S&' B80 &35&3 '&#@3&' $b& 03R 0$

V; Ss • T3~ 0;& S&' 4aoMy5$4

‚ H& .[$ 0;& S&'s <= ,mfd g(S* VND T3~ ,+&'

‚ M75 0B>m$# 0BF 57 ‚ {3&' $b

‚ T35&3 04& 0 3+&' 0B-7 <(POy) 0B2& 03a '

‚ ”f0 0d& .0 ‡„† 3& .[$ATM $ 7 0>?&' V5 0B4&



CHO VAY H. V6N

N'+6 1„ŠƒŠŒ„1 ,k5 e75#&'& 3+&' V0&5&@ < @;3?9 <:&' ,56 = 0d&

iddjdddjddd UyD <0_&' $>&' &'7:& *W$ 0+$3;&3

Vậy tổ chức nào có khảnăng cho Vietinbank vaysố vốn lớn như vậy ???

Đ & "hM ck "%" h"% l* m M h gn

.ag(a) v Ta(XL( *o" CoMMLg(a& Ba"7



CHO VAY H. V6N

• {34F& ,56 3?9 ,=& *+ ./0 @34F& ,56 <>?$ $89 $34 &'> ,56 ]&3. $$ &'& 3+&'{34F& ,56 &+6 03>&' <>?$ v037 ha9w ] &'& 3+&' $ 76 0;& &30u 3?9 &'& 3+&' <:&' 0+ 0B?

• M/0 @34F& ,56 3?9 ,=& *+ $•&' '=&' &3> $$ @34F& 0;& S&' 03&03>&' @3$# $3\ @3$ *+ ' 0BX $R5 @34F& ,56 03>&' *m&# ,+ $b&

93[$ 09 0B4&' < $$ &'& 3+&' <b7 0> @3&' $ $ <R @3F &_&' $



CHO VAY H. V6N

V=& ,56

N3. 1‘ &'& 3+&'

iddjU

V(L(

Đ$ <.s‚ C$ 2& 035. '5 E $3& B5./0 &'& 3+&' *+. &'& 3+&'<b7 .= < 0B& @35‚ C$ 2& <:&' 3?9 ,=& E $x&'0a& 3+&3 03Z. <X&3 SW &‚ C$ 2& <:&' 3?9 ,=& 03=&'&380 3& .[$ $34 ,56# <d7 @-&$34 ,56 ,m @3$3 3+&' 03&'e75 &'& 3+&' <b7 .=‚ T3>&' *+ @34F& ,560B7&'S+ 3& ,+ *7& 627 $b7 $0+ F& F4 <F. $ ' 0BX 0>q&'h[&' ,m ' 0BX @34F& ,56# $03 627 $b7 F4 *&3 $R5 NHT™

{3 &-.



TÍN DỤNG

Tu&' e75&

-

Đ$ <.

V5 0B%

P3& *4

T34 @g 3&

T34 .$ <;$3

T;&3 F4 <F.

Hg&3 03[$ ,56

P3>q&' 03[$

C34 ,56 0k&' *b&

C34 ,56 034 3& .[$ 0;& S&'

C34 ,56 034 SW & <b7 0>

C34 ,56 0BF '9

C34 ,56 03&' e75 &'3-9 , 930 3+&3 ,+ ` S&' 03~

C34 ,56 3?9 ,=&

TỔNG=ẾT



Ha0

tÍn dỤng (cho vay).pptx

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