- NGHIP V NGN HNG THNG MI -

Bi s 1: Mt DN vay vn theo phng thc cho vay theo hn mc tn dng ti ngn

hng Thng Mi. S liu trong nm 2009 nh sau:
Vay theo HMTD
Tin bn hng trong thng (ghi nhn cui mi
thng)
11/01: 20 t
T1: 30 t
16/02: 20 t
T2: 30 t
T3: 10 t
01/04: 30 t
T4: 10 t
16/05: 10 t
T5: 10 t
21/06: 30 t
T6: 10 t
Yu cu:
1) Xc nh hn mc tn dng cn li sau mi ln vay & cui mi thng?
2) Tnh tin li phi tr hng thng bit hn mc tn dng 2009 l 100 t.
- Gi nh d n cho vay theo hn mc tn dng ca DN n cui 2008 = 0
- Li sut cho vay theo hn mc tn dng l 12%/nm v n nh 2009.
- Thi gian tnh li ca 1 thng l 30 ngy.
- Hng thng DN phi trch 80% tin thu bn hng tr n gc.

GII
1) Hn mc tn dng cn li sau mi ln vay & cui mi thng:
Thi
Cho Vay Tin Bn Tr N
D N
HMTD
Gian
Hng
cn li
01/01
100
11/01
20
20
80
30/01
30
20
0
100
16/02
20
20
80
30/02
30
20
0
100
30/03
10
0
0
100
01/04
30
30
70
30/04
10
8
22
78
16/05
10
32
68
30/05
10
8
24
76
21/06
30
54
46
30/06
10
8
46
54
Hn mc tn dng cn li sau mi ln vay
Hn mc tn dng cn li cui mi thng

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- NGHIP V NGN HNG THNG MI -

2) Tnh li hng thng:

Li hng thng = S d n * (S ngy duy tr s d /30 ngy) * LS thng
Li T1 = 20 t * (20/30) * (12%/12) = 0.13 t
Li T2 = 20 t * (15/30) * (12%/12) = 0.1 t
Li T3 = 0
L Li T4 = 30 t * (30/30) * (12%/12)
Li T5 = [(22 t * 15/30) + (32 t * 15/30)] * 12%/12 =
Li T6 = [(24 t * 20/30) + (54 t * 10/30)] * 12%/12 =
Bi s 2: Mt DN c 1 d n u t m rng sn xut c ngn hng ti tr vn & c
cc s liu nh sau:
- Tng mc vn u t c ph duyt l 400 t.
- Vn t c ca DN tham gia l 20%.
- Thi gian thanh l d n l 10 nm.
- Thi gian thi cng d n l 2 nm.
- S tin cho vay c gii ngn u nm 1 l 50%. S cn li c gii ngn vo
u nm 2.
- Li sut cho vay la 12%/nm. Ngn hng thu n gc v n li mi nm 1 ln vo
thi im cui nm.
- Thi gian n hn l 2 nm (c gc & li)
- Dng tin hon tr vn vay nh sau:
Khu hao ca d n u t theo pp khu hao ng thng.
Dng tin t li nhun sau thu nh sau:
Nm 1: 30 t/nm
Nm 2 Nm 3: 40 t/nm
Nm 4 Nm 7: 50 t/nm
Nm 8: 40 t/nm
Nm 9: 30 t/nm
Nm 10: 20 t/nm
Yu cu:
Xc nh thi gian hon vn ca d n u t & quyt nh thi hn cho vay trong cc
trng hp sau:
a) Li trong thi gian n hn c nhp vo vn gc ngay sau khi d n i vo hot
ng.
b) Li trong thi gian thi cng c chia u trong 3 nm u khi d n i vo hot
ng.

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- NGHIP V NGN HNG THNG MI -

Bit rng d n c a vo hot ng ngay sau khi kt thc cng on thi cng.

GII
Li trong thi gian n hn c nhp vo vn gc ngay sau khi d n i vo hot
ng
S tin cho vay = 400 t - (400 t * 20%) = 320 t
Li nm 1 (TC) = (320 t * 50%) * 12% = 19.2 t
Li nm 2 (TC) = 320 t * 12% = 38.4 t
Li n hn = 19.2 t + 38.4 t = 57.6 t
D n tnh li u nm 1 (H) = 320 t + 57.6 t = 377.6 t
Khu hao hng nm = 400 t / 10 nm = 40 t
Li nm 1 (H) = 377.6 * 12% = 45.31 t
Li nm 2 (H) = (377.6 24.69) * 12% = 42.35 t
Li nm 3 (H) = (377.6 62.34) * 12% = 37.83 t
S thng hon tr vn vay trong nm 7 (H)
= (377.6 297.63): 90/12 = 10.66 thng = 11 thng
Thi gian hon vn ca d n u t:
= 2 nm (TC) + 6 nm 11 thng (H) = 8 nm 11 thng
Quyt nh thi hn cho vay l 9 nm
Nm

KH hng nm

1
2
3
4
5
6
7
8
9
10

40
40
40
40
40
40
40
40
40
40

DNG TIN HON TR VN VAY

LN sau thu hng
Tng s
Tr n
nm
li
30
70
45.31
40
80
42.35
40
80
37.83
50
90
32.77
50
90
25.90
50
90
18.21
50
90
9.60
40
80
30
70
20
60

Tr n gc
24.69
37.65
42.17
57.23
64.10
71.79
80.40

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- NGHIP V NGN HNG THNG MI -

Li trong thi gian thi cng c chia u trong 3 nm u khi d n i vo hot

ng
Li n hn phi tr cho tng nm (Nm 1 Nm 3) = 57.6 t / 3 = 19.2 t
Li nm 1 (H) = (320 * 12%) + 19.2 = 57.6 t
Li nm 2 (H) = [(320 12.4) * 12% + 19.2 = 56.11 t
Li nm 3 (H) = [(320 36.29) * 12% + 19.2 = 53.25 t
Li nm 4 (H) = [(320 63.04) * 12% = 30.84 t
Li nm 5 (H) = (320 122.20) * 12% = 23.74 t
Li nm 6 (H) = (320 188.46) * 12% = 15.78 t
S thng hon tr vn vay trong nm 7 (H)
= (320 262.68) : 90/12 = 7.64 thng = 8 thng
Thi gian hon vn ca d n u t:
= 2 nm (TC) + 6 nm 8 thng (H) = 8 nm 8 thng
Quyt nh thi hn cho vay l 9 nm
Nm

KH hng nm

1
2
3
4
5
6
7
8
9
10

40
40
40
40
40
40
40
40
40
40

DNG TIN HON TR VN VAY

LN sau thu hng
Tng s
Tr n
nm
li
30
70
57.60
40
80
56.11
40
80
53.25
50
90
30.84
50
90
23.74
50
90
15.78
50
90
40
80
30
70
20
60

Tr n gc
12.40
23.89
26.75
59.16
66.26
74.22

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