CH TIU NH GI CHT LNG TN DNG

Hot ng tn dng t cht lng tt khi n t c nhng mc tiu t ra. Khi ngn hng cung cp tn dng cho khch hng, ngn hng hng ti 2 mc tiu c bn: an ton v sinh li. Ngoi ra ngn hng cn mong mun tha mn ti a nhu cu v vn ca khch hng trong thi gian nhanh nht. V vy cc ch tiu nh gi cht lng hot ng tn dng ca ngn hng cn o lng c mc t c cc mc tiu trn. 1. Cc ch tiu nh lng: a. Mc tiu an ton Vic tun th cc ch tiu m bo an ton TD trong cc quy nh ca c quan qun l nh nc T l N ri ro/ Tng d n (N cc nhm t 2 n 5 trn Tng d n) T l N xu/ Tng d n T l n c bo m trn Tng d n T l (Qu d phng ri ro tn dng + Gi tr ti sn m bo)/ Tng d n Hoc (Qu d phng ri ro tn dng + Gi tr TSB ca n nhm 2 n 5)/Tng D n nhm 2 n 5 T l mn n phi c cu li thi gian tr n/Tng s mn n trong 1 thi k (nm) T l mn n khng tr n ng hn/Tng s mn n trong 1 thi k (nm) S ngy khch hng phi ch trc khi nhn c quyt nh tn dng ca ngn hng b. Mc tiu sinh li - Thu li t hot ng tn dng/Tng d n - Li t hot ng tn dng thc thu/Li d thu - Li treo/li d thu - (Thu li t hot ng tn dng Chi ph hot ng tn dng)/ Tng d n 2. Cc ch tiu nh tnh: - Mc phn b cc khon tn dng gia cc khch hng thuc cc nhm khc nhau - S tun th cc quy nh v chnh sch tn dng ca NHNN v ca chnh Ngn hng - S p ng cc yu cu ca khch hng v cht lng dch v cung cp cho khch hng

Ch :
-

Cc ch tiu Doanh s cho vay, Doanh s thu n, D n phn nh quy m, khng phi cht lng TD Ch tiu vng quay vn khng ph hp o lng cht lng TD v khi NH cho vay T-DH c vng quay vn chm, nhng vn an ton v sinh li Ch tiu Hiu sut s dng vn (D n/Vn huy ng) phn nh hiu qu s dng vn ni chung ca NH ch khng phi hiu qu hot ng tn dng Cn phn bit r N qu hn, N Ri ro v N xu (Xem Q 493/2005/Q-NHNN v Q 18/2007/Q-NHNN) o N qu hn l N n hn m khch hng khng tr c. Tuy nhin i vi mn vay c tr lm nhiu ln (tr gp), khi khch hng khng tr c n vo 1 k nht nh trong thi gian vay, khng c quy nh r rng l NH phi chuyn d n cha tr k hay ton b d n cn li sang n qu hn. Hn na, NH c th gia hn n, iu chnh k hn tr n, lm

cho mn n n hn tr m khch hng khng tr c s khng b chuyn n qu hn. NQH ko phi l ch tiu ng tin cy nh gi RRTD. o N Ri ro: l N c du hiu ri ro m Ngn hng nh gi l khch hng c du hiu kh khn v kh nng tr n (N t nhm 2 n Nhm 5). N ri ro khng nht thit l N qu hn v c nhng khon n qu hn di 10 ngy v t chc tn dng nh gi l c kh nng thu hi y gc v li b qu hn v thu hi y gc v li ng thi hn cn li vn c th cho vo Nhm 1 (N tiu chun). Ngc li, c nhng khon n c c cu li thi gian tr n (khng phi l n qu hn) hoc nhng khon N tiu chun ca khch hng c t nht 1 mn vay b xp vo nhm n Ri ro (t nhm 2 n nhm 5) th t chc tn dng phi phn loi li cc khon n cn li ca khch hng vo nhm c ri ro cao nht trong cc mn n ca khch hng . o N xu l N c ri ro t nhm 3 n nhm 5, bao gm c cc khon n qu hn lu (>90 ngy) v n c biu hin ri ro (v d nh n c c cu li thi hn tr n). N Ri ro v N xu l ch tiu ph hp phn nh RRTD (hay an ton ca danh mc tn dng) ch khng phi l N qu hn.

CH TIU NH GI RI RO TN DNG
phn nh ri ro tn dng, c th dng cc ch tiu a. b. c. d. e. f. s mn vay thuc n t nhm 2 n 5 / Tng s mn vay hin hnh s mn vay thuc n t nhm 3 n 5 / Tng s mn vay hin hnh s mn vay b x l ri ro / Tng s mn vay hin hnh Gi tr D n t nhm 2 n nhm 5 / D n bnh qun trong k Gi tr D n t nhm 3 n nhm 5 / D n bnh qun trong k Gi tr D n b x l ri ro / D n bnh qun trong k

Ch :
o N qu hn l N n hn m khch hng khng tr c. Tuy nhin i vi mn vay c

tr lm nhiu ln (tr gp), khi khch hng khng tr c n vo 1 k nht nh trong thi gian vay, khng c quy nh r rng l NH phi chuyn d n cha tr k hay ton b d n cn li sang n qu hn. Hn na, NH c th gia hn n, iu chnh k hn tr n, lm cho mn n n hn tr m khch hng khng tr c s khng b chuyn n qu hn. NQH ko phi l ch tiu ng tin cy nh gi RRTD. o N Ri ro: l N c du hiu ri ro m Ngn hng nh gi l khch hng c du hiu kh khn v kh nng tr n (N t nhm 2 n Nhm 5). N ri ro khng nht thit l N qu hn v c nhng khon n qu hn di 10 ngy v t chc tn dng nh gi l c kh nng thu hi y gc v li b qu hn v thu hi y gc v li ng thi hn cn li vn c th cho vo Nhm 1 (N tiu chun). Ngc li, c nhng khon n c c cu li thi gian tr n (khng phi l n qu hn) hoc nhng khon N tiu chun ca khch hng c t nht 1 mn vay b xp vo nhm n Ri ro (t nhm 2 n nhm 5) th t chc tn dng phi phn loi li cc khon n cn li ca khch hng vo nhm c ri ro cao nht trong cc mn n ca khch hng . o N xu l N c ri ro t nhm 3 n nhm 5, bao gm c cc khon n qu hn lu (>90 ngy) v n c biu hin ri ro (v d nh n c c cu li thi hn tr n). N Ri ro v N xu l ch tiu ph hp phn nh RRTD (hay an ton ca danh mc tn dng) ch khng phi l N qu hn. - Khng c nh ngha thng nht xc nh N c vn v N kh i nn y cng khng phi l ch tiu ph hp phn nh RRTD ca NH - Tnh a dng ha khng phi l ch tiu o lng c RRTD do khng ni ln c mc RRTD ca NH, m ch l yu t nh hng n RR - Tng t, xp hng TD l cng c phn loi khch hng, nh gi ri ro ca 1 khch hng nht nh, trn c s NH xp mn vay ca khch hng vo nhm n 1, 2, 3, 4 hay 5. Nn xp hng TD cng khng phi l ch tiu o lng ri ro ca danh mc tn dng ca ngn hng.