QUY TRNH

Cham iem tn dung va xep hang khach hang

(Ban hanh kem theo Quyet nh so: /Qngay 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:

2.2 oi tng 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.

Hoi s chnh, s giao dch, chi nhanh , phong giao dch, Ngan hang TMCP Phng ong. 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/QNHNN ngay 19/01/2007 cac ty le bao am an toan trong hoat ong cua to chc tn dung - Quyet nh 493/2005/Q-NHNN ngay 22/4/2005 va Quyet nh so 18/2007/Q-NHNN cua Thong oc Ngan hang Nha Nc ve viec phan loai n , trch lap va s dung d phong 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-HQT ngay 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 dung trong 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 Cac t viet tat:

CN: Chi nhanh

 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 dung 5. Trach nhiem va quyen han Viec cham iem tn dung va xep hang khach hang do Phong CTD thc hien. Viec ra soat oi vi cac khach hang c tham nh rui ro do phong QLRRTD thc hien. oi vi khach hang co quan he tn dung vi nhieu chi nhanh th tng chi nhanh co trach nhiem xep loai khach hang va cac Chi nhanh co trach nhiem thong bao, trao oi vi nhau e thong nhat 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
-

5.3 Can bo phong quan ly rui ro 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.

Lanh ao phong cham iem 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 dung cha 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 phong QLRRTD

- Phe duyet ket qua cham iem tn dung va xep hang khach hang, a ra cac quyet nh tn 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 hang

6.1 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 dung Sau 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 an au 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 phu luc so 01(PL01) . Trng hp khach hang co bao lanh toan phan (ln hn hoac bang 100% gia tr khoan tn dung) cua mot to chc co nang lc tai chnh manh hn, th co the s dung ket qua xep hang 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 dung Can 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 kinh doanh 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/ lnh vc 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 dung Cac 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:

- 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 so thieu 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, phu thu) 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 mo T 70 100 iem Loai 1 T 30 69 iem Loai 2 Di 30 iem Loai 3 Bc 4: Cham iem cac ch so tai chnh Ngi thc hien: Can bo cham iem tn dung Tien 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 nganh nghe/ lnh vc san xuat kinh doanh va quy mo cua doanh nghiep tai bc 2 va 3; cac so lieu tren can oi ke toan sau ieu chnh, cham iem cac ch so tai chnh cua doanh nghiep theo 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 te gan vi tr so nao nhat th ap dung cho loai xep hang o, neu nam gia hai tr so th u tien ve pha loai tot nhat. Cach tnh toan cac ch so tai chnh s dung trong cac bang tren nh sau: STT CH SO Ch tieu thanh khoan
Kha nang thanh toan hien hanh

NOI DUNG
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/QBTC ngay 25/10/2000)

Kha nang thanh toan nhanh

Tai san ngan han / n ngan han (Neu khach hang lap BCTC theo Quyet nh so 15/2006/Q-BTC ngay 23/06/2006) Tai san co tnh long cao (Tien + au t ngan han + Cac khoan phai thu phai thu kho oi) / n ngan han (Neu khach hang lap BCTC theo Quyet nh so 167/QBTC ngay 25/10/2000) Tai san co tnh long cao (Tien va cac khoan tng ng tien + au t ngan han + Cac khoan phai thu ngan han va dai han phai thu kho oi) / n ngan han (Neu khach hang lap BCTC theo Quyet nh so 15/2006/Q-BTC ngay 23/06/2006) Ga von hang ban / Hang ton kho BQ au ky va cuoi ky (Ga tr cac khoan phai thu bnh quan/DTT) *365 Doanh thu thuan / Tong tai san bnh quan au ky va cuoi ky N phai tra / Tong tai san bnh quan N phai tra / Nguon von chu s hu N qua han / Tong d n ngan hang

3 4 5 6 7 8

Ch tieu hoat ong Vong quay hang ton kho Ky thu tien bnh quan Doanh thu thuan/Tong tai san Ch tieu can n N phai tra/Tong tai san N phai tra / NV chu s hu N qua han/Tong d n ngan hang Ch tieu thu nhap Tong thu nhap trc thue / Doanh thu thuan Tong thu nhap trc thue / Tong tai san Tong thu nhap trc thue / Nguon von chu s hu

9 10 11

Tong thu nhap trc thue / Doanh thu thuan Tong thu nhap trc thue / Tong tai san bnh quan Tong thu nhap trc thue / Nguon von chu s hu bnh quan

Bc 5: Cham iem cac tieu ch phi tai chnh Ngi thc hien: Can bo cham iem tn dung Cham 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 cac tieu ch phi tai chnh da tren ket qua cham iem cac bang PL05.1 -> PL05.5 va bang PL05.6 Bang trong so ap dung cho cac tieu ch phi tai chnh. Bc 6: Tong hp iem va xep hang doanh nghiep

Ngi thc hien: Can bo cham iem tn dung Cong 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 iem tong 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 nghiep Ngi thc hien: Can bo cham iem tn dung Thc 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 nh mo ta trong bang sau: Loai AA+ : Loai toi u iem tn dung tot nhat danh cho cac khach hang co chat lng tn dung tot nhat. ac iem 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 kinh doanh hoac oc quyen Nha nc ao c tn dung cao. 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 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 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 chnh va nang lc quan ly va co the b tac ong manh bi cac ieu kien kinh te, tai chnh trong moi trng kinh doanh. Tiem lc tai chnh trung bnh, co nhng nguy c tiem an Hoat ong kinh doanh tot trong hien tai Mc o rui ro Thap nhat

AA : Loai u

Thap nhng ve dai han co the hn khach hang AA+

Thap

AA : Loai tot

Trung bnh

BB+ : Loai kha

BB : Loai trung bnh kha

Trung bnh, kha nang tra n goc va lai trong tng lai se c am

BB- : Loai trung bnh

nhng de b ton that bi nhng bien ong ln trong kinh doanh do cac sc ep t nen kinh te noi chung. Kha nang t chu tai chnh thap, dong tien bien ong theo chieu hng xau Hieu qua hoat ong kinh doanh khong cao, chu nhieu sc ep canh tranh hn, de b tac ong ln t nhng bien ong kinh te nho.

bao hn khach hang loai BB+ . Cao, do kha nang t chu tai chnh thap. Ngan hang cha co nguy c mat von ngay nhng ve lau dai se kho khan neu tnh hnh hoat ong kinh doanh cua khach hang khong c cai thien. Cao, la mc cao nhat co the chap nhan; xac suat vi pham hp ong tn dung cao, neu khong co nhng bien phap kp thi, ngan hang co nguy c mat von trong ngan han. Rat cao, kha nang tra n Ngan hang kem, neu khong co nhng bien phap kp thi, ngan hang co nguy c mat von trong ngan han. Rat cao, ngan hang se phai mat nhieu thi gian va cong sc e thu hoi von cho vay.

CC : Loai di trung bnh CC : Loai xa di trung bnh -

Hieu qua hoat ong thap, ket qua kinh doanh nhieu bien ong Nang lc tai chnh yeu, b thua lo trong mot hay mot so nam tai chnh gan ay va hien tai ang vat lon e duy tr kha nang sinh li. Nang lc quan ly kem. Hieu qua hoat ong thap Nang lc tai chnh yeu kem, a co n qua han (di 90 ngay). Nang lc quan ly kem

CC- : Loai yeu kem C : Loai rat 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. Cac khach hang nay b thua lo keo dai, ac biet cao, ngan hang tai chnh yeu kem, co n kho oi, nang hau nh se khong the lc quan ly kem. thu hoi c von cho vay.

Lien he trao oi vi cac chi nhanh khac (oi vi trng hp khach hang co quan he tn dung tai nhieu chi nhanh) e thong nhat ket qua cham iem xep hang; trng hp khong thong 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 doanh nghiep Ngi thc hien: Can bo cham iem tn dung

Sau khi hoan tat viec cham iem tn dung xep hang doanh nghiep, lap t trnh bao cao ket qua, ky va trnh lanh ao phong. Noi dung t trnh phai gom nhng phan c ban nh sau: - 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; hoac b) Tiep tuc duy tr quan he tn dung nhng khong tang han mc; hoac c) Han che quan he tn dung; hoac d) Dng quan he tn dung, ch thu hoi n; hoac e) Tm bien phap khan cap x ly tn dung. Ngi thc hien: Lanh ao phong cham iem tn dung Kiem 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 cham iem xep hang khach hang cho phong QLRR TD e ra soat oi vi nhng khach hang phai tham nh rui ro. Bc 9: Ra soat ket qua cham iem tn dung va xep hang khach hang (oi vi nhng khach hang phai tham nh rui ro) Ngi thc hien: Can bo QLRRTD Can 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 cham iem 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 vi nhng 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

Ngi thc hien: Ban Lanh ao OCB Tren 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 khach hang doanh nghiep. Bc 12: Cap nhat d lieu, lu tr ho s Ngi 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, 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 tin Ngi thc hien: Can bo cham iem tn dung Tien 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 to chc quan ly lao ong hoac to chc quan ly va chi tra thu nhap, xac nhan cua chnh quyen 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 ban Ngi thc hien: Can bo cham iem tn dung Thc 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 cham dt qua trnh cham iem va t choi cap tn dung hoac ngng cap tn dung. Neu khach hang at tong iem >0 th tiep tuc sang bc 3. Bc 3: Cham iem tieu ch quan he vi Ngan hang Ngi 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 tai phu luc 09 (PL09). Bc 4: Tong hp iem va xep hang khach hang Ngi thc hien: Can bo cham iem tn dung Tong 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 hang Ngi thc hien: Can bo cham iem tn dung

Thc hien anh gia xep hang khach hang la ca nhan thanh 10 hang co mc o rui ro t thap 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 Thap AaThap Bb+ Thap Bb Trung bnh BbTrung bnh Cc+ Trung bnh Cc Cao CcCao C Rat cao Lien he trao oi vi cac chi nhanh khac (oi vi trng hp khach hang co quan he tn dung tai nhieu chi nhanh) e thong nhat ket qua cham iem xep hang; trng hp khong thong 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 nhan Ngi thc hien: Can bo cham iem tn dung Sau 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 dung c 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 dung Kiem 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 nhng khach hang phai tham nh rui ro) Ngi thc hien: Can bo QLRR TD Can 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);

- 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 cham iem 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 QLRRTD trnh, 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 vi nhng 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 hang Ngi thc hien: Lanh ao OCB Tren 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 khach hang ca nhan. Bc 10: Cap nhat d lieu, lu tr ho s Ngi 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, xep hang 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 1 2 3 4 5 6 7 TEN PHU LUC Bang phan loai doanh nghiep Bang cham iem quy mo doanh nghiep Bang cac ch so tai chnh ap dung cho cham iem cac doanh nghiep thuoc nganh nong, lam, ng nghiep Bang cac ch so tai chnh ap dung cho cham iem cac doanh nghiep thuoc nganh thng mai dch vu Bang cac ch so tai chnh ap dung cho cham iem cac doanh nghiep thuoc nganh xay dng Bang cac ch so tai chnh ap dung cho cham iem cac doanh nghiep thuoc nganh cong nghiep Cham iem tn dung theo tieu ch lu chuyen tien te MA SO PL02 PL03 PL04.1 PL04.2 PL04.3 PL04.4 PL05.1

8 9 10 11 12 13 14 15 16 17 18

Cham iem tn dung theo tieu ch nang lc va kinh nghiem quan ly Cham iem tn dung theo tieu ch tnh hnh va uy tn giao dch vi ngan hang Cham iem tn dung theo tieu ch moi trng kinh doanh Cham iem tn dung theo tieu ch cac ac iem hoat ong khac Bang trong so ap dung cho cac tieu ch phi tai chnh Tong hp iem tn dung Xep hang khach hang doanh nghiep Xep hang khach hang ca nhan Cham iem cac thong tin ca nhan c ban Cham iem tieu ch quan he vi ngan hang Bao cao ra soat cham iem, xep hang khach hang

PL05.2 PL05.3 PL05.4 PL05.5 PL05.6 PL06 PL07.1 PL07.2 PL08 PL09 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