p.ql - quy trinh cham diem tin dung_xep hang khach hang

8/3/2019 P.ql - Quy Trinh Cham Diem Tin Dung_xep Hang Khach Hang

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QUY TRNHCham iem tn dung va xep hang khach hang(Ban hanh kem theo Quyet nh so: /Q- ngay thang nam cua Tong

giam oc Ngan hang TMCP )

1. Muc ch:- Quy nh trnh t cac bc cong viec e thc hien nghiep vu cham iem tn dung va

xep hang oi vi khach hang trong he thong Ngan hang TMCP.- Xac nh trach nhiem, quyen han cua ca nhan n v lien quan en viec cham iem tn

dung va xep hang khach hang.2. Pham vi va oi tng ap dung:2.1 Pham vi ap dung:

Van ban nay ap dung e thc hien cham iem tn dung va xep hang oi vi khach hang(khong bao gom cac nh che tai chnh) trong he thong Ngan hang TMCP Phng ong.

2.2 o i tng ap dung:Hoi s chnh, s giao dch, chi nhanh , phong giao dch, Ngan hang TMCP Phngong.3. Cac tai lieu lien quan:

Luat cac to chc tn dung: Luat sa oi, bo sung luat cac to chc tn dung.- Quyet nh 457/2005/Q-NHNN ngay 19/01/2007 va Quyet nh so 03/2007/Q-

NHNN ngay 19/01/2007 cac ty le bao am an toan trong hoat ong cua to chc tndung

- Quyet nh 493/2005/Q-NHNN ngay 22/4/2005 va Quyet nh so 18/2007/Q-NHNNcua Thong oc Ngan hang Nha Nc ve viec phan loai n , trch lap va s dung dphong e s ly rui ro tn dung trong hoat ong Ngan hang cu to chc tn dung .

- Quyet nh so 44/05/Q-HQT ngay 15/8/2005 va Quyet nh so 56/2007/Q-HQTngay 19/6/2007 cua Chu tch Hoi ong Quan tr Ngan Hang TMCP Phng ong v/v Ban hanh quy nh phan loai n , trch lap va s dung d phong e x ly rui ro tn dungtrong hoat ong ngan hang 4. Giai thch t ng, cac t viet tat

4.1 Giai thch t ng:- Trong so: la mc o quan trong cua tng tieu ch cham iem tn dung (ch so chnh

hoac yeu to phi tai chnh) xet tren goc o tac ong rui ro tn dung.- iem ban au: la iem cua tng tieu ch cham iem tn dung do can bo cham iem tn

dung xac nh c sau khi phan tch tieu ch o.- iem tong hp: iem tong hp e xep hang khach hang bang iem ban au nhan vi

trong so.- Phong cham iem tn dung: gom phong tn dung Hoi s , cac Chi nhanh va cac Phong

Giao dch trong he thong NHP- Phong quan ly rui ro Tn dung : gom phong/to quan ly rui ro tn dung tai chi nhanh;

phong Quan ly rui ro tn dung Hoi s .

4.2 Ca c t viet tat: CN: Chi nhanh


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OCB : Ngan hang TMCP Phng ong NHCV: Ngan hang cho vay NHNN: Ngan hang Nha Nc NSNN: Ngan sach Nha Nc

PGD: Phong giao dch CTD: Cham iem tn dung QLRR TD : Quan ly rui ro tn dung NVTD : Nhan vien tn dung5. Trach nhiem va quyen han

Viec cham iem tn dung va xep hang khach hang do Phong CTD thc hien. Viec rasoat oi vi cac khach hang c tham nh rui ro do phong QLRRTD thc hien. oi vikhach hang co quan he tn dung vi nhieu chi nhanh th tng chi nhanh co trach nhiem xeploai khach hang va cac Chi nhanh co trach nhiem thong bao, trao oi vi nhau e thongnhat ket qua xep loai. Viec cham iem va xep hang c thc hien vao quy 1 hang nam,

ngay sau khi nhan c bao cao tai chnh cua khach hang.5.1 Can bo cham iem tn dung:- Thu thap ho s, thong tin khach hang, tham nh lai thong tin va tien hanh cham iem

tn dung, xep hang khach hang.- Tuan thu ung noi dung qui trnh nay.- e xuat cac quyet nh tn dung tren c s ket qua cham iem va xep hang tn dung

khach hang.5.2 Lanh ao phong cham iem tn dung:- Kiem soat ket qua cham iem tn dung va xep hang khach hang cua NV CTD.-

e xuat cac quyet nh tn dung phu hp, kp thi.- Chuyen ket qua cham iem tn dung va xep hang khach hang cho phong/to QLRRTD- Kp thi bao cao lanh ao CN e x ly nhng van e vt qua tham quyen.5.3 Can bo phong quan ly rui ro tn dung :- Ra soat viec thc hien cham iem tn dung va xep hang khach hang cua CBCTD oi

vi khach hang c tham nh rui ro, am bao:(i) tuan thu theo ung quy nh cua quy trnh nay;(ii) cac so lieu tai chnh a c tham nh lai, a loai tr tai san kem chat lng,

kho thu hoi;(iii) cac thong tin phi tai chnh la phu hp.

- D thao bao cao ra soat ket qua cham iem xep hang tn dung, neu ro cac noi dungcha chnh xac, khong phu hp, e ngh sa oi.

- e xuat cac bien phap phong nga, han che rui ro.5.4 Lanh ao phong quan ly rui ro Tn dung :- Kiem tra lai ket qua ra soat cham iem xep hang tn dung, cac e xuat cua can bo

QLRR tn dung.- e xuat quyet nh tn dung phu hp, kp thi.5.5 Lanh ao NHCV:- Kiem tra lai ket qua cham iem tn dung va xep hang khach hang cua phong thc hien

cham iem tn dung va ket qua ra soat cham iem xep hang khach hang cua phongQLRRTD


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- Phe duyet ket qua cham iem tn dung va xep hang khach hang, a ra cac quyet nhtn dung phu hp.

- Bao cao nhng van e vt qua tham quyen ve Phong QL RRTD Hoi s e x ly.6. Noi dung quy trnh cham iem tn dung va xep hang khach hang6.1 Quy trnh cham iem tn dung va xep hang khach hang doanh nghiep:Bc 1: Thu thap thong tin:

Ngi thc hien: Can bo cham iem tn dungSau khi nhan c ho s thong tin khach hang, tien hanh ieu tra, thu thap, xac minh

va sang loc e tong hp thong tin ve khach hang va phng an san xuat kinh doanh/d anau t t cac nguon:- Ho s do khach hang cung cap: giay t phap ly, cac bao cao tai chnh va cac tai lieu

khac.- Phong van trc tiep khach hang- Khao sat thc te khach hang- Bao ch va cac phng tien thong tin ai chung khac.- Bao cao nghien cu th trng cua cac to chc chuyen nghiep.- Trung tam thong tin tn dung cua NHNN Viet Nam.- Cac nguon khac.

Cach thc thu thap thong tin, danh muc cau hoi ieu tra c hng dan chi tiet tai phuluc so 01(PL01) .

Trng hp khach hang co bao lanh toan phan (ln hn hoac bang 100% gia tr khoantn dung) cua mot to chc co nang lc tai chnh manh hn, th co the s dung ket qua xephang tn dung cua ben bao lanh e xac nh hang tn dung cua khach hang (neu ben bao

lanh cung c Ngan hang cho vay cham iem), a vao ket qua cham iem xep hang(bc 6)

Bc 2: Xac nh nganh nghe lnh vc san xuat kinh doanh cua doanh nghiep:Ngi thc hien: Can bo cham iem tn dungCan c vao nganh nghe/ lnh vc san xuat kinh doanh chnh ang ky tren giay chng

nhan ang ky kinh doanh cua doanh nghiep, xac nh nganh nghe/ lnh vc san xuat kinhdoanh cua doanh nghiep, bao gom:- Nong, lam va ng nghiep- Thng mai va dch vu- Xay dng- Cong nghiep

Trng hp doanh nghiep hoat ong a nganh nghe th can c vao nganh nghe/ lnhvc nao em lai ty trong doanh thu ln nhat cho doanh nghiep.

Tien hanh phan loai doanh nghiep theo hng dan tai phu luc so 02 (PL02) .

Bc 3: Cham iem va xac nh quy mo cua doanh nghiep:Ngi thc hien: Can bo cham iem tn dungCac tieu ch s dung e cham iem va xac nh quy mo doanh nghiep gom: nguon von

kinh doanh, lao ong, doanh thu thuan va gia tr nop NSNN.Trong o:


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- Lao ong: la so lao ong thc te s dung (c neu tai thuyet minh bao cao tai chnh)tnh bnh quan trong 3 nam gan nhat.

- Ga tr nop NSNN: lay theo so thc nop vao NSNN phat sinh trong ky (khong ke sothieu cua ky trc nop ky nay) bao gom cac loai thue va cac khoan nop khac theo quy

nh cua Nha Nc trong nam bao cao (khong tnh cac khoan thue xuat nhap khau,ong bao hiem xa hoi va bao hiem y te, kinh ph cong oan, cac khoan tien phat, phuthu)Tien hanh cham iem quy mo doanh nghiep theo hng dan tai phu luc so 03 (PL03) .3. Can c vao ket qua cham iem thu c, xep loai quy mo doanh nghiep theo bang

thang iem sau: iem Quy moT 70 100 iem Loai 1

T 30 69 iem Loai 2

Di 30 iem Loai 3

Bc 4: Cham iem cac ch so tai chnhNgi thc hien: Can bo cham iem tn dungTien hanh tham nh cac bao cao tai chnh doanh nghiep, lap bang can oi ke toan sau

ieu chnh theo hng dan tai phu luc so 04 (PL04). Can c vao ket qua xac nh nganhnghe/ lnh vc san xuat kinh doanh va quy mo cua doanh nghiep tai bc 2 va 3; cac solieu tren can oi ke toan sau ieu chnh, cham iem cac ch so tai chnh cua doanh nghieptheo hng dan tai cac phu luc:- Phu luc so 04 .1(PL04.1) : Bang cac ch so tai chnh ap dung cho cham iem cac doanh

nghiep thuoc nganh nong, lam, ng nghiep.- Phu luc so 04.2 (PL04.2):Bang cac ch so tai chnh ap dung cho cham iem cac doanh

nghiep thuoc nganh thng mai dch vu.- Phu luc so 04.3 (PL 04.3 ) Bang cac ch so tai chnh ap dung cho cham iem cac doanh

nghiep thuoc nganh xay dng.- Phu luc so 04.4 (PL 04.4 ) :Bang cac ch so tai chnh ap dung cho cham iem cac

doanh nghiep thuoc nganh cong nghiep.S dung cac bang tieu chuan anh gia cac tieu ch cham iem tn dung tren theo

nguyen tac: oi vi moi tieu ch tren bang tieu chuan anh gia cac tieu ch, ch so thc tegan vi tr so nao nhat th ap dung cho loai xep hang o, neu nam gia hai tr so th u tienve pha loai tot nhat.Cach tnh toan cac ch so tai chnh s dung trong cac bang tren nh sau:

STT CH SO NOI DUNGCh tieu thanh khoan1 Kha nang thanh toan hien hanh

Tai san lu ong + au t tai chnh ngan han / (n ngan han+ n dai han en han)(Neu khach hang lap BCTC theo Quyet nh so 167/Q-BTC ngay 25/10/2000)


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Tai san ngan han / n ngan han(Neu khach hang lap BCTC theo Quyet nh so15/2006/Q-BTC ngay 23/06/2006)

2 Kha nang thanh toan nhanh

Tai san co tnh long cao (Tien + au t ngan han + Cackhoan phai thu phai thu kho oi) / n ngan han(Neu khach hang lap BCTC theo Quyet nh so 167/Q-BTC ngay 25/10/2000)Tai san co tnh long cao (Tien va cac khoan tng ngtien + au t ngan han + Cac khoan phai thu ngan han vadai han phai thu kho oi) / n ngan han(Neu khach hang lap BCTC theo Quyet nh so15/2006/Q-BTC ngay 23/06/2006)Ch tieu hoat ong

3 Vong quay hang ton kho Ga von hang ban / Hang ton kho BQ au ky va cuoi ky

4 Ky thu tien bnh quan (Ga tr cac khoan phai thu bnh quan/DTT) *3655 Doanh thu thuan/Tong tai san

Doanh thu thuan / Tong tai san bnh quan au ky va cuoikyCh tieu can n

6 N phai tra/Tong tai san N phai tra / Tong tai san bnh quan

7 N phai tra / NV chu s hu N phai tra / Nguon von chu s hu

8N qua han/Tong d n ngan

hangN qua han / Tong d n ngan hang

Ch tieu thu nhap9

Tong thu nhap trc thue /

Doanh thu thuan

Tong thu nhap trc thue / Doanh thu thuan

10Tong thu nhap trc thue / Tong

tai sanTong thu nhap trc thue / Tong tai san bnh quan

11Tong thu nhap trc thue /

Nguon von chu s huTong thu nhap trc thue / Nguon von chu s hu bnhquan

Bc 5: Cham iem cac tieu ch phi tai chnhNgi thc hien: Can bo cham iem tn dungCham iem cac tieu ch phi tai chnh cua doanh nghiep theo cac phu luc sau:

- Phu luc 05.1 (PL05.1): Cham iem tn dung theo tieu ch lu chuyen tien te- Phu luc 05.2 (PL05.2): Cham iem tn dung theo tieu ch nang lc va kinh nghiem

quan ly- Phu luc 05.3 (PL05.3): Cham iem tn dung theo tieu ch uy tn trong giao dch vi

Ngan hang- Phu luc 05.4 (PL05.4): Cham iem tn dung theo tieu ch moi trng kinh doanh- Phu luc 05.5 (PL05.5): Cham iem tn dung theo tieu ch cac ac iem hoat ong khac

Sau khi hoan tat viec cham iem theo cac phu luc tren, tien hanh tong hp iem cactieu ch phi tai chnh da tren ket qua cham iem cac bang PL05.1 -> PL05.5 va bangPL05.6 Bang trong so ap dung cho cac tieu ch phi tai chnh.

Bc 6: Tong hp iem va xep hang doanh nghiep


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Ngi thc hien: Can bo cham iem tn dungCong tong so iem tai chnh va phi tai chnh va nhan vi trong so trong phu luc 06

(PL06) (co tnh en bao cao tai chnh co c kiem toan hay khong) e xac nh iemtong hp (phu luc 06 (PL06) Tong hp iem tn dung )

Can c iem tong hp, tien hanh xep hang doanh nghiep theo phu luc 07.1 (PL07.1)Bc 7: anh gia rui ro tn dung theo ket qua xep hang doanh nghiepNgi thc hien: Can bo cham iem tn dungThc hien xep hang cac khach hang la doanh nghiep thanh 10 hang theo quy nh cua

OCB co mc o rui ro t thap len cao: AA +, AA, AA-, BB+, BB, BB-, CC+, CC, CC-, C nhmo ta trong bang sau:

Loai ac iem Mc o rui roAA+ : Loai toi u

iem tn dung tot nhatdanh cho cac khach

hang co chat lng tndung tot nhat.

- Tnh hnh tai chnh lanh manh.- Nang lc cao trong quan tr.- Hoat ong at hieu qua cao, on nh- Trien vong phat trien lau dai- Kha nang canh tranh vng vang trc

nhng tac ong cua moi trng kinhdoanh hoac oc quyen Nha nc

- ao c tn dung cao.

Thap nhat

AA : Loai u- Tnh hnh tai chnh lanh manh- Kha nang sinh li tot- Hoat ong hieu qua va on nh- Quan tr tot- Trien vong phat trien lau dai- Uy tn tn dung tot

Thap nhng ve dai hanco the hn khach hang

AA+

AA- : Loai tot- Tnh hnh tai chnh on nh nhng co

nhng han che nhat nh.- Hoat ong hieu qua nhng khong on

nh nh loai khach hang AA.- Quan tr tot- Trien vong phat trien tot- Uy tn tn dung tot

Thap

BB+ : Loai kha- Hoat ong hieu qua va co trien vong

trong ngan han.- Tnh hnh tai chnh on nh trong ngan

han do co mot so han che ve tai chnhva nang lc quan ly va co the b tacong manh bi cac ieu kien kinh te,tai chnh trong moi trng kinh doanh.

Trung bnh

BB : Loai trung bnhkha- Tiem lc tai chnh trung bnh, co nhng

nguy c tiem an- Hoat ong kinh doanh tot trong hien tai

Trung bnh, kha nang tran goc va lai trongtng lai se c am


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nhng de b ton that bi nhng bienong ln trong kinh doanh do cac scep t nen kinh te noi chung.

bao hn khach hang loaiBB+ .

BB- : Loai trung bnh

- Kha nang t chu tai chnh thap, dongtien bien ong theo chieu hng xau- Hieu qua hoat ong kinh doanh khongcao, chu nhieu sc ep canh tranh hn,de b tac ong ln t nhng bien ongkinh te nho.

Cao, do kha nang t chutai chnh thap. Nganhang cha co nguy cmat von ngay nhng velau dai se kho khan neutnh hnh hoat ong kinhdoanh cua khach hangkhong c cai thien.

CC+ : Loai di trungbnh

- Hieu qua hoat ong thap, ket qua kinhdoanh nhieu bien ong

- Nang lc tai chnh yeu, b thua lo trongmot hay mot so nam tai chnh gan ayva hien tai ang vat lon e duy tr khanang sinh li.

- Nang lc quan ly kem.

Cao, la mc cao nhat cothe chap nhan; xac suatvi pham hp ong tn

dung cao, neu khong conhng bien phap kpthi, ngan hang co nguyc mat von trong nganhan.

CC : Loai xa di trungbnh- Hieu qua hoat ong thap- Nang lc tai chnh yeu kem, a co n

qua han (di 90 ngay).- Nang lc quan ly kem

Rat cao, kha nang tra nNgan hang kem, neukhong co nhng bienphap kp thi, ngan hang

co nguy c mat vontrong ngan han.

CC- : Loai yeu kem- Hieu qua hoat ong rat thap, b thua lo,

khong co trien vong phuc hoi.- Nang lc tai chnh yeu kem, a co n

qua han ( tren 90 ngay )- Nang lc quan ly kem.

Rat cao, ngan hang sephai mat nhieu thi gianva cong sc e thu hoivon cho vay.

C : Loai rat yeu kem- Cac khach hang nay b thua lo keo dai,

tai chnh yeu kem, co n kho oi, nanglc quan ly kem.

ac biet cao, ngan hanghau nh se khong thethu hoi c von chovay.

Lien he trao oi vi cac chi nhanh khac (oi vi trng hp khach hang co quan he tndung tai nhieu chi nhanh) e thong nhat ket qua cham iem xep hang; trng hp khongthong nhat ket qua th ghi ro trong t trnh bao cao ket qua cham iem xep hang.

Bc 8: Trnh phe duyet ket qua cham iem tn dung va xep hang khach hang doanhnghiepNgi thc hien: Can bo cham iem tn dung


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Sau khi hoan tat viec cham iem tn dung xep hang doanh nghiep, lap t trnh bao caoket qua, ky va trnh lanh ao phong. Noi dung t trnh phai gom nhng phan c ban nhsau:- Gii thieu thong tin c ban ve khach hang;-

Nhan xet/ anh gia cua CBCTD;- e xuat cac quyet nh tn dung:

a) Tiep tuc duy tr quan he tn dung va co the tang han mc; hoacb) Tiep tuc duy tr quan he tn dung nhng khong tang han mc; hoacc) Han che quan he tn dung; hoacd) Dng quan he tn dung, ch thu hoi n; hoace) Tm bien phap khan cap x ly tn dung.

Ngi thc hien: Lanh ao phong cham iem tn dungKiem tra noi dung t trnh, ky trnh lanh ao NHCV phe duyet.

Trng hp phai tham nh rui ro, gi t trnh va cac ho s tai lieu lam can c chamiem xep hang khach hang cho phong QLRR TD e ra soat oi vi nhng khach hangphai tham nh rui ro.

Bc 9: Ra soat ket qua cham iem tn dung va xep hang khach hang (oi vi nhngkhach hang phai tham nh rui ro)Ngi thc hien: Can bo QLRRTDCan c ho s khach hang do phong cham iem tn dung chuyen en, thong tin cac

nguon khac (neu co), ra soat theo cac noi dung:-

Tham nh tnh trung thc, hp phap, hp le cac thong tin lam can c cham iem;- Ra soat viec xac nh cac ch tieu, mc iem cho tng ch tieu am bao tuan cac quy

nh cua quy trnh nay;- Ra soat viec xep hang khach hang am bao theo ung quy nh tai phu luc 07.01

(PL07.01);- Lap bao cao ra soat (theo bieu phu luc 10 (PL10)). Trng hp khong nhat tr vi ket

qua cua phong cham iem tn dung th neu ro nhng iem cha chnh xac, phong chamiem tn dung chnh sa, trnh lanh ao phong QLRRTD

Ngi thc hien: Lanh ao phong QLRRTD

Kiem tra, phe duyet bao cao ra soat, e xuat chnh sa (neu co) do can bo QLRR trnh,chuyen cho bo phan cham iem tn dung e bo sung, chnh sa.

Bc 10: Hoan thien ho s ket qua cham iem tn dung va xep hang khach hang (oi vinhng khach hang phai tham nh rui ro)Can bo cham iem tn dung tiep nhan ket qua ra soat cua phong QLRRTD, hoan thien

ho s cham iem, xep hang khach hang.Lanh ao phong cham iem tn dung kiem soat, phe duyet ho s cham iem, xep hang

khach hang, trnh lanh ao phe duyet.

Bc 11: Phe duyet ket qua cham iem tn dung va xep hang khach hang


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Ngi thc hien: Ban Lanh ao OCBTren c s t trnh bao cao ket qua cua phong cham iem tn dung va bao cao ra soat

cua phong QLRRTD, kiem tra, phe duyet ket qua cham iem tn dung, xep hang khachhang doanh nghiep.

Bc 12: Cap nhat d lieu, lu tr ho sNgi thc hien: Can bo cham iem tn dungSau khi t trnh c phe duyet, tien hanh cap nhat ket qua cham iem tn dung, xep

hang khach hang doanh nghiep vao he thong thong tin tn dung cua ngan hang.Lu tr toan bo cac ho s, giay t lien quan en viec cham iem vao ho s tn dung

chung.

6.2 Quy trnh cham iem tn dung va xep hang khach hang ca nhan:Bc 1: Thu thap thong tinNgi thc hien: Can bo cham iem tn dungTien hanh ieu tra, thu thap va tong hp thong tin ve khach hang t cac nguon:

- Ho s do khach hang cung cap: giay t phap ly (chng minh nhan dan, xac nhan cua tochc quan ly lao ong hoac to chc quan ly va chi tra thu nhap, xac nhan cua chnhquyen a phng, van bang, chng ch,)

- Phong van trc tiep khach hang- Trung tam thong tin tn dung cua NHNN VN- Cac nguon khac

Bc 2: Cham iem cac thong tin ca nhan c banNgi thc hien: Can bo cham iem tn dungThc hien cham iem cac thong tin ca nhan c ban theo hng dan chi tiet tai phu luc

08 (PL08).Tong hp iem cua khach hang theo bieu iem tai bang tren, neu khach hang at tong

iem 0 th tiep tuc sang bc 3.

Bc 3: Cham iem tieu ch quan he vi Ngan hangNgi thc hien: Can bo cham iem tn dung

Cham iem tieu ch quan he vi ngan hang cua khach hang theo hng dan chi tiet taiphu luc 09 (PL09).

Bc 4: Tong hp iem va xep hang khach hangNgi thc hien: Can bo cham iem tn dungTong hp iem bang cach cong tong so iem cham cac thong tin ca nhan c ban

bc 2 va iem cham tieu ch quan he vi ngan hang bc 3. Sau khi tong hp iem,tien hanh xep hang khach hang theo phu luc 07.2 (PL07.2)

Bc 5: anh gia rui ro tn dung theo ket qua xep hang khach hangNgi thc hien: Can bo cham iem tn dung


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Thc hien anh gia xep hang khach hang la ca nhan thanh 10 hang co mc o rui ro tthap len cao: Aa+, Aa, Aa-, Bb+, Bb, Bb-, Cc+, Cc, Cc-, C nh mo ta trong bang sau:Loai Mc o rui ro

Aa+ Thap nhat

Aa ThapAa- Thap

Bb+ Thap

Bb Trung bnh

Bb- Trung bnh

Cc+ Trung bnh

Cc Cao

Cc- Cao

C Rat cao

Lien he trao oi vi cac chi nhanh khac (oi vi trng hp khach hang co quan he tndung tai nhieu chi nhanh) e thong nhat ket qua cham iem xep hang; trng hp khongthong nhat ket qua th ghi ro trong t trnh bao cao ket qua cham iem xep hang.

Bc 6: Trnh phe duyet ket qua cham iem tn dung va xep hang khach hang ca nhanNgi thc hien: Can bo cham iem tn dungSau khi hoan tat viec cham iem tn dung va xep hang oi vi khach hang la ca nhan,

lap t trnh bao cao ket qua, ky va trnh lanh ao phong. T trnh phai co nhng noi dungc ban nh sau:

- Gii thieu thong tin c ban ve khach hang;- Phng phap/ mo hnh ap dung e cham iem tn dung;- Tai lieu can c e cham iem tn dung;- Nhan xet/ anh gia cua CBCTD dan ti ket qua cham iem va xep hang khach hang;

Ngi thc hien: Lanh ao phong cham iem tn dungKiem tra noi dung t trnh, ky trnh lanh ao phe duyet.Trng hp phai tham nh rui ro, gi t trnh va cac ho s tai lieu lam can c cham

iem xep hang khach hang cho phong QLRR TD e ra soat oi vi nhng khach hang

phai tham nh rui ro.Bc 7: Ra soat ket qua cham iem tn dung va xep hang khach hang (oi vi nhngkhach hang phai tham nh rui ro)Ngi thc hien: Can bo QLRR TDCan c ho s khach hang do phong cham iem tn dung chuyen en, thong tin cac

nguon khac (neu co), ra soat theo cac noi dung:- Tham nh tnh trung thc, hp phap, hp le cac thong tin lam can c cham iem;- Ra soat viec xac nh cac ch tieu, mc iem cho tng ch tieu am bao tuan thu cac

quy nh cua quy trnh nay;

- Ra soat viec xep hang khach hang am bao theo ung quy nh tai phu luc 07.2(PL07.2);


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- Lap bao cao ra soat (theo bieu phu luc 10 (PL10)). Trng hp khong nhat tr vi ketqua cua phong cham iem tn dung th neu ro nhng iem cha chnh xac, phong chamiem tn dung chnh sa, trnh lanh ao phong QLRRTD.

Ngi thc hien: Lanh ao phong QLRRTDKiem tra, phe duyet bao cao ra soat, e xuat chnh sa (neu co) do can bo QLRRTDtrnh, chuyen cho bo phan cham iem tn dung e bo sung, chnh sa.

Bc 8: Hoan thien ho s ket qua cham iem tn dung va xep hang khach hang (oi vinhng khach hang phai tham nh rui ro)Can bo cham iem tn dung tiep nhan ket qua ra soat cua phong QLRRTD ,hoan thien

ho s cham iem, xep hang khach hang.Lanh ao phong cham iem tn dung kiem soat, phe duyet ho s cham iem, xep hang

khach hang, trnh lanh ao phe duyet.

Bc 9: Phe duyet ket qua cham iem tn dung va xep hang khach hangNgi thc hien: Lanh ao OCBTren c s t trnh bao cao ket qua cua phong cham iem tn dung va bao cao ra soat

cua phong QLRRTD , kiem tra, phe duyet ket qua cham iem tn dung, xep hang khachhang ca nhan.

Bc 10: Cap nhat d lieu, lu tr ho sNgi thc hien: Can bo cham iem tn dung

Sau khi t trnh c phe duyet, tien hanh cap nhat ket qua cham iem tn dung, xephang khach hang ca nhan vao he thong thong tin tn dung cua ngan hang.Lu tr toan bo cac ho s, giay t lien quan en viec cham iem vao ho s tn dung

chung.

7. Phu luc Lu o Qui trnh cham iem tn dung va xep hang khach hang. Cac phu luc.

STT TEN PHU LUC MA SO1 Bang phan loai doanh nghiep PL022 Bang cham iem quy mo doanh nghiep PL03

3 Bang cac ch so tai chnh ap dung cho cham iem cac doanhnghiep thuoc nganh nong, lam, ng nghiep

PL04.1

4 Bang cac ch so tai chnh ap dung cho cham iem cac doanhnghiep thuoc nganh thng mai dch vu

PL04.2

5 Bang cac ch so tai chnh ap dung cho cham iem cac doanhnghiep thuoc nganh xay dng

PL04.3

6 Bang cac ch so tai chnh ap dung cho cham iem cac doanh

nghiep thuoc nganh cong nghiep

PL04.4

7 Cham iem tn dung theo tieu ch lu chuyen tien te PL05.1


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8 Cham iem tn dung theo tieu ch nang lc va kinh nghiemquan ly

PL05.2

9 Cham iem tn dung theo tieu ch tnh hnh va uy tn giaodch vi ngan hang

PL05.3

10 Cham iem tn dung theo tieu ch moi trng kinh doanh PL05.411 Cham iem tn dung theo tieu ch cac ac iem hoat ong

khacPL05.5

12 Bang trong so ap dung cho cac tieu ch phi tai chnh PL05.6

13 Tong hp iem tn dung PL06

14 Xep hang khach hang doanh nghiep PL07.1

15 Xep hang khach hang ca nhan PL07.2

16 Cham iem cac thong tin ca nhan c ban PL08

17 Cham iem tieu ch quan he vi ngan hang PL09

18 Bao cao ra soat cham iem, xep hang khach hang PL10

8. To chc, thc hien- Moi n v, ca nhan co lien quan trong he thong OCB trach nhiem thc hien

ung quy trnh nay.- Viec sa oi, bo sung quy trnh nay do TG OCB Quyet nh.

TONG GIAM OC

p.ql - quy trinh cham diem tin dung_xep hang khach hang

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