b.tumenjargal-2012 zeeliin ersdeliig udirdah argachlaliig bolowsrongui bolgoh

Upload: -

Post on 01-Nov-2015

23 views

Category:

Documents


0 download

DESCRIPTION

Tusul

TRANSCRIPT

  • ,

    1

    : ,

    , ,

    ,

    , .

    :

    1. , 2. , 3. ,

    :

    ,

    .

    : " ,

    "

    ,

    .- " ", .

    " ", . "

    ", , " "

    .

    : ,

    , , ,

    .

    :

    , .

    2009, 2010, 2011

  • ,

    2

    ,

    .

    :

    ,

    .

  • ,

    3

    ,

    .

    .

    .

    .

    ,

    ,

    ,

    ,

    .

    ,

    ,

    ,

    .

    ,

    .

    ,

    ,

    .

  • ,

    4

    I . ,

    1.1 , ,

    , .

    ,

    ,

    , ,

    , .1

    , , , ,

    .2

    3.

    .4

    :

    1. .

    .

    2. . 3.

    .

    4. , .

    , , , ,

    , , ,

    .

    1 2 , 3 ., " , ", 2004 , 14, , 4 ., " , ", 1997 , 6,

  • ,

    5

    1. :

    .5 :

    5 .

    .

    , , , 3-5

    ,

    .

    . 1-4

    .

    :

    -

    -

    -

    - .

    1 . : -

    -

    -

    2. :

    . :

    5 ., " , ", 1997 , 83

  • ,

    6

    3. :6 .

    , , , .

    4. : .

    , .

    .

    , .

    5. :

    , . :

    .

    . 60-70 .

    6. :7 :

    .

    .

    .

    . .

    .

    .

    .

    6 ., " , ", 2004 , 16, , 7 ., " ", 2010 , 37

  • ,

    7

    7. :

    -

    - ,

    - , .

    8. : 8

    -

    -

    - .

    9.

    -

    -

    10.

    -

    - .

    11. .

    , ,

    .

    , ,

    , ,

    .

    .

    - /1-90 /

    - /91-180 /

    - /181-360 /

    - M /361- / 9 .

    .

    8 ., " , ", 2004 , 33, , 9 , ,

  • ,

    8

    ,

    . .

    .

    4 .10 :

    1.

    -

    -

    -

    .

    2.

    -

    -

    -

    -

    3. -

    -

    -

    4.

    -

    -

    -

    -

    .11

    , .

    10 ,, " ", 2010 , 36 11 ., " ", 2009 , 47

  • ,

    9

    ,

    .

    ,

    , .

    .12

    ,

    .

    .

    .

    , ,

    , ,

    , ,

    .

    .

    .

    ,

    .13

    :

    / , , , ,

    /

    / , /

    12 ., " " 2004 , 5, , , 13 ., " , ", 2004 , 66, , ,

  • ,

    10

    :

    ,

    , ,

    .

    2 . 14

    1. 2.

    . :

    ,

    .

    .

    .

    .

    .

    . , ,

    14 ., " , ", 2004 , 65, , ,

  • ,

    11

    .

    .

    . ,

    .15 :

    .

    ,

    , , , ,

    , ,

    . .

    .

    .16

    :

    , ,

    15 ., " , ", 2004 , 66, , 16 ., " , ", 2004 , 67, ,

  • ,

    12

    1.2 ,

    .

    .

    ,

    . 17

    , .

    ,

    ,

    .

    ,

    .

    18

    ,

    .

    . :

    -

    -

    -

    17 ., " , ", 2004 , 67, , 18 .- " ",, 2005 , 69, ,

  • ,

    13

    - / /

    -

    -

    -

    -

    -

    -

    - ,

    -

    -

    -

    -

    . ,

    , ,,

    . 19

    .

    .20

    , , ,

    ,

    .

    .

    19 ., " , " , 2004 , 72, , 20 ., " , ", 2004 , 73, ,

  • ,

    14

    .21

    .

    . :

    -

    -

    - ,

    - ,

    - ,

    -

    -

    -

    -

    - , .

    ,

    . :22

    . : 1 .

    20%- 1 .

    . .

    .

    21 ., " , ", 1997 , 111 22 ., " , ", 1997 , 112

  • ,

    15

    , ,

    , ,

    .

    :23

    1. : .

    .

    2. : .

    .

    .

    3. .

    4. , 5. 6. , .

    7. , .

    .24

    .

    ,

    .

    23 ., " , ", 2004 , 73, , 24 ., " , ", 2004 , 75, ,

  • ,

    16

    1. 25

    1. : 26

    .

    2. :

    ,

    3. :

    3 .

    4. :

    25 ., " , ", , 2004 , 72, , 26 ., " , ", , 2004 , 74, ,

    1.

    4.

    5.

    3.

    2.

  • ,

    17

    .

    4. .

    , , ,

    .

    .

    .

    100

    15 .27

    , .

    .

    , ,

    ,

    .

    .

    .28

    : :29

    1. .

    :

    -

    -

    -

    -

    -

    27 28 ., " , ", , 2004 , 68, , 29 .- " ",, 2005 , 11, ,

  • ,

    18

    -

    -

    - ,

    2. . :

    -

    - -

    -

    -

    -

    -

    3.

    4. , .

    , ,

    , .

    ,

    , .

    5. . .:

    - , ,

    - ,

    - . 6. ,

    7. . ,

    ,

    .

    8. ,

    9.

  • ,

    19

    .

    ,

    ,

    .

    ,

    , .

    . :

    2. .30

    . 31 -

    .

    ,

    .

    .

    , .

    30 31

  • ,

    20

    - ,

    .

    ,

    .

    .

    .

    . :

    -

    -

    - , , , ,

    - ,

    -

    -

    - ,

    .

    .

    .32 ,

    ,

    , .

    :

    1. 2.

    3. 4.

    32 ., " , ", 2004 , 101, ,

  • ,

    21

    1. .

    .

    ,

    .

    ,

    :

    - 5- 33 Character- Capacity- Capital- Condition- Collatral-

    5P- 34 People- Payment- Purpose- Protection- Plan-

    SWOT- 35 Stength- Weakness- Opportunity- Trheat-

    CAMPARI 36 Character, Ability- , , ,

    33 . , , 2009 , 128 34 35

    36 . , , 2009 , 128

  • ,

    22

    Means- , , ,

    Purpose- , Amount- Repayment- , Interest and Insurance-,

    PARSER- 37 People- Amount- Repayment- Security- Expediency- Remuneration-

    Pest 38 Political- , ,

    ,

    Economic-

    Social- , Technologies- , ,

    LGD 39

    .

    ,

    .

    CAMEL 40 Capital- Assets- Management-

    37 . , , 2009 , 128

    38

    39 www.financerisks.com/WP/ALGO.../ch2/bankloan.pdf

    40 . , , 2009 , 128

  • ,

    23

    Earing- Liquidity-

    2. .41

    , .

    . , ,

    .

    . , .

    . , .

    .

    . ,

    .

    3. .42

    . 5

    .

    . ,

    , , .

    . .

    .

    .

    . ,

    .

    41

    42

  • ,

    24

    .

    .

    4. .43

    .

    , ,

    , .

    .

    . , .

    ,

    .

    .

    , , ,

    , ,

    .

    . , ,

    ,

    .

    . .

    , ,

    .

    .

    . .

    . 2

    43

  • ,

    25

    .

    , ,

    , ,

    .

    ,

    ,

    .

  • ,

    26

    II . ,

    2.1 ,

    1940- ,

    , , ,

    .

    2009 10-

    50 , 270

    700

    , 3000 , 500

    ,

    .44

    ,

    .

    .

    .

    2008

    ,

    . 2009

    .

    . ,

    , .

    44 http://www.savingsbank.mn/ /index.php?lang=mn&pid=107

  • ,

    27

    1. 2011 4- ,

    / / 45

    5. 2011 / /52

    %

    82809.30 12% ,

    567,956.0

    121176.40 17%,

    9,799.8

    383139.20 55%

    37,151.9

    17007.20 2%

    14,060.7

    8661.50 1%

    628,968.4

    33722.30 5%

    64,605.5

    47058.00 7%

    693573.90 100%

    693,573.9

    : www.savingsbank.mn

    6. 2010 / /53

    %

    32,771.1 7%

    , 333,510.5

    91,179.8 21%

    19,560.3

    211,800.4 48%

    25,042.1

    51,653.9 12%

    9,625.6

    12,653.2 3%

    387,738.5

    20,279.6 5%

    60,000.0

    22,366.1 5%

    2,433.5

    (28,827.8)

    21,360.0

    54,965.7

    442,704.2 100% 442,704.2

  • ,

    28

    : www.savingsbank.mn

    52 2011 4- 53 2011 4-

    2011

    55%, 29%,

    6%, 7%- . 2010

    81%-, 66%-,

    56%- . ,

    2010 1.8

    77 %- 2010 19.5

    2011 1313.2 .

    7. , / / 54

    2011 2010

    64,381.5 36,437.4

    43,919.8 28,399.5

    31,688.1

    6,167.9

    ,

    1,975.2

    4,192.7

    33,751.6

    ,

    2,425.0

    8,428.3

    13,257.4

    9,640.9

    () 2,012.4 (19,545.7) 99.1 8.2

    () 1,313.2 (19,554.0)

    : www.savingsbank.mn

    X 66 ,

  • ,

    29

    12 ,

    .

    54 2010, 2011 4- ,

    8. / / 55

    1 11,968.10 9.4% 18.40 0.2%2 9,729.80 7.6% 2.40 0.0%3 38,879.50 30.5% 151.60 1.9%4 17,807.80 14.0% 267.60 3.4%5 1,114.80 0.9% 75.10 0.9%6 4,719.30 3.7% 0.0%7 27,283.80 21.4% 73.30 0.9%8 3,401.00 2.7% 227.60 2.9%9 12,690.90 9.9% 7,155.50 89.8%

    127,595.00 100% 7,971.50 100%

    : 2012,1-

    4. , / / 56

    : 2012,1-

    X 2012 1-

    11,968.1 ,

  • ,

    30

    18.4 .

    55 2012 1-

    56 2012 1-

    30%, 21%,

    14%- .

    4-

    9,4 .

    , 9.4%-

    5. / / 57

    :

    ,

    .

    7,155.5 ,

    .

    , ,

    ,

    3 2009, 2010, 2011

  • ,

    31

    .

    57 - 2011

    9. /./ 58

    3,404,097.66 4,429,134.79 30% 9,563,203.84 116% 447,964.08 358,255.56 -20% 21,048.52 -94% 13% 8% 0.2%

    2009 2010 2011

    : 2009,2010,2011

    6. / / 59

    : 2009,2010,2011

    . 2009 3,404,097.66

    2010 X 829 4,429,134.79

    30 . 2011.12.31- 4697

    9,563,203.84 2010 5,139,042

    2,2 .

    2011

  • ,

    32

    .

    58 2009, 2010, 2011

    59 2009, 2010, 2011

    7. , / / 60

    4,429,134.79 4,537,832.17

    5,729,721.41

    8,286,378.61

    9,563,203.84

    0.00

    2,000,000.00

    4,000,000.00

    6,000,000.00

    8,000,000.00

    10,000,000.00

    12,000,000.00

    2010.12.31 2011.03.31 2011.06.30 2011.09.30 2011.12.31

    //

    : 2010,2011

    2011

    . 2011 4- 15%,

    3- 2- 44.6%-, 2- 26%-

    .

    2011 2010 116%-, 2009

    181%- .

    , , , ,

    ,

    .

  • ,

    33

    60 2010, 2011

    8. , / / 61

    : 2009,2010,2011

    2009.12.31- 447964,08 .

    2010.12.31- 33 358,255.56

    20 .

    2011.12.31- 7 21,048.5

    337,207.06 94%-

    .

    . 2009

    13% , 2010 8 %, 2011 0.2% .

    2011

    ,

    , 2011 13

    253,626,1 . . 7

    21048,52 . 4

    , 3 ,

  • ,

    34

    .

    61 2009, 2010, 2011

    10. 62

    /./

    2,215,993,469.88 23% 163,872,304.46 2% - 143,654,009.61 2% 3,462,461,740.79 36% 2,010,658,251.51 21% 328,883,421.41 3% 412,601,181.00 4% 825,079,454.71 9% 9,563,203,833.37 100%

    : 2011 .

    9. 63

    : 2011

    C 73 ,

    , ,

    27

    . 36

  • ,

    35

    , 21

    62 2011

    63 2011

    ,

    .

    C 1 5,6

    ,

    .

    ,

    .

    11. , /./ 64

    2012.04.30

    /

    1 2 857 400 0,00% 100 2

    25 768 19 545 0,01% 19 545

    3 123 748 561 648 787 0,30% 385 866 4 333 536 18 666 0,01% 11 532 5 66 913 806 737 0,00% 359 6 : 1 278 288 - 0,00% 20 7

    14 264 295 4 779 0,00% -

    8 1 323 929 8 922 0,00% 1 170 9 11 769 223 36 490 0,02% 27 633

    219 660 263 738 326

    0,34% 446 225 : 2012 4-

  • ,

    36

    64 2012 4-

    10. , . 65

    : 2012 4-

    , ,

    ,

    .

    87.9

    12. , , 5 . 66

    2011.12.31 104 034 757,98 493 900,31 476 946 393 491 2012.01.31 106 614 829,96 494 524,29 746 715 381 336 2012.02.29 119 098 570,47 529 984,47 638 416 375 601 2012.03.31 120 025 122,42 534 723,53 522 450 368 540 2012.04.30 123 748 561,35 538 955,41 648 787 385 866

    :

    ,

    .

    .

  • ,

    37

    1 24

    65 2012 4-

    66 2012 4-

    36

    10

    .

    ,

    , , .

    , ,

    . :

    - ,

    -

    -

    -

    - ,

    -

    -

    -

    -

    - .

    , ,

    , .

    ,

  • ,

    38

    , .

    .

    .

    .

    3

    . .

    2 ,

    .

    2011 2.2

    , .

    .

    10

    1 500

    2011 .

    .

    .

    ,

    .

  • ,

    39

    , , 5- SWOT

    , , ,

    ,

    .

    1-10 1 , 10

    .

    . ,

    .

    .

    , , ,

    ,

    . .

    .

    .

    .

    .

    .

    .

    .

  • ,

    40

    , .67

    .

    67 http://www.creditscoring.com/pages/bar/htm

    .

    .

    .

    . - credit history

    .

    (Social Security Number) -

    .

    , (collection agency )

    . ,

    , ,

    , .

    Equifax, Experian, TransUnion 3

    .

    , 3-

    . (credit report) ,

    . 3

    . FICO Score

    . Fair Isaac Corporation ( FICO)

    .

    .

  • ,

    41

    3. 68

    .

    , ,

    .

    .

    ,

    .

    .

    , ,

    .

    .

    , ,

    10%

    35%

    30%

    10%

    15%

  • ,

    42

    ,

    . 68 http://www.creditscoring.com/pages/bar/htm

    , .

    , , ,

    , ,

    .

    ,

    .

    ,

    . ,

    , , .

    300, 850 .

    650

    700 ,

    . .

    4. 69

    700-

    680-700

    620-680

    500-

    580-620

    500-580

  • ,

    43

    69 http://www.creditscoring.com/pages/bar.htm

    700-

    , .

    . ,

    . 620-

    .

    . ,

    . ,

    .

    . 70

  • ,

    44

    70 http://www.checkcreditscoresite.com/credit-score-ratings.html

    2.2

    13

    2011 5,597,743.6

    73%-, 2009 111%-

    .

    2011 4697

    9,563,203.84 2010 116%-, 2009 181%-

    .

    ,

    . ,

    . ,

    ,

    .

    ,

    , ,

    . :

    1.

    .

    ,

  • ,

    45

    .

    .

    .

    , ,

    , ,

    .

    2.

    .

    .

    3. .

    .

    .

    .

    .

    ,

    , .

    4. ,

    .

  • ,

    46

    ,

    .

    5. .

    .

    .

    6.

    .

    ,

    .

    .

    ,

    , , ,

    .

    7.

    .

    ,

    .

    8.

    , ,

    ,

    ,

  • ,

    47

    ,

    .

    9. , .

    1 . ,

    2 .

    , ,

    .

    .

    10. .

    , ,

    .

  • ,

    48

    , , :

    ,1996.

    , , ,

    2010.

    , ,

    , :

    . . 2010, , 6 , .

    -. . 2005, ,.

    . . 2003,, , ,.

    . . 2009, , .

    . . 2004, , , .

    . . 2008, ,

    , .

    . . , , 1997,

    .

    .. 2005, , 2005, .

    . . 2010, , .

    :

    http://www.mongolbank.mn/web/guest/statistics/loan-report

    http://www.savingsbank.mn/

    http://www.creditscoring.com/pages/bar/htm

  • ,

    49

    http://www.checkcreditscoresite.com/credit-score-ratings.html

    http://search.about.com/fullsearch.htm?terms=How%Your%20Credit%20Scor

    e%20is%20Calculated/

    http://www.checkcreditscoresite.com/credit-score-ratings.html

    1. ? . 0-1 . 2-3 . 4-

    2. ?

    3. ?

    . . 1-2 . 3

    4. ? . . .

    5. ?

    6. ? 1-6 .

    1. 4.

    2. 5.

    3. 6.

    7. 3

    ?

    8.

    ?

    :

    . . , . . . , . . . , . . . , . . . , . . . , . . . , . . . , . . .-

    . , , , , , , . . . . , , , , , , . . . . , , , , , , . . . . , , , , , , . . . . , , , , , , . . . . , , , , , , . . . . , , , , , , . . .

    4. .43 . , , , . .