38523187 Tailieuipcas2 Ln

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGHNG DN S DNG CC CHC NNG C SA I THUC MODULE TN DNG TRN H THNG IPCAS 2

A. GII THIU V CC CHC NNG C SA I THUC MODULE TN DNG TRN H THNG IPCAS 2. I. Sg trn IPCAS 2, bao gm; 1. Sa i v qun l Hn mc Tn dng. 2. Sa i v H tr Qun trh duyt khon vay. 3. Sa i v Qun l thng tin Th chp/Gii to Ti sn bo m. 4. Savn. 5. Sa i v Qun l thng tin v Cn b tn dng. 6. Sa i v Qun l li sut cho vay trn cc HTD. 8. Sa i v chc nng qun l cc khon N kh i. II. Ni dung ca ccl Hn mc Tn dng: C 7 loi hn mc tn dng: a) VBAs Capital: Gii hn tn dng i vil an ton trn Vn t c ca NHNo&PTNT Vit Nam. Cp qun l: Qun l ti Tr s chnh. C cy v khng ch tng d n cho vay v bo lnh trong ton h thng i vi mt khch hng hoco cc t l an ton trn Vn t c ca NHNo&PTNTVN. ng k, cp nht, cp nht: Thc hin hcc ch tiu lin quan.-

b) Branch Limited: Mc phn quyt cho vay ti a ca Gim c Chi nhnh i vi mt khch hnchnh v ti Chi nhnh NHNo cc cp. C ch qun l: Khng ch mc phn quyt cho vay ti am kt bo lnh c quy i ra ng Vit Nam) i vi mt khch hng theo quy nh c th cak, cp nht vo hHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 1/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNG

thng mc phn quyt ca Tng Gim c v ca Gim c Chi nhnh cp 1. Chi nhnh cp 1 ngh cp 2 v cc Phng Giao dch c m s chi nhnh. ng k, cp nht: Thc hin hng nm hoclin quan.

c) Customer Grade & Loan term: Hn mc tn dng chi tit theo tng loi khch hng c phn thhch hng, thi hn vay vn v bin php bo m tin vay. Cp qun l: Qun l ti Tr s chun l: Khng ch mc cho vay cao nht (bao gm c d n cho vay v cam kt bo lnh c quyg loi khch hng trn c s xp loi khch hng, thi hn cho vay v bin php bo m tinh mc chi tit thuc quyn quyt nh ca Tng Gim c. Chi nhnh NHNo cc cp qun l danhquyt nh ca Gim c chi nhnh. ng k, cp nht: Thc hin vo thi im u nm hoc bqun l: Qun l ti Tr s chnh v ti Chi nhnh NHNo cc cp. C ch qun l: Khng ch m(bao gm c ph duyt cho vay v ph duyt cam kt bo lnh c quy i ra ng Vit Nam) c s danh mc ngnh ngh kinh doanh hin hnh tu thuc vo bin php bo m tin vay. Tryt tng ln cao nht theo danh mc ngnh ngh chi tit thuc quyn quyt nh ca Tng Gimun l mc ph duyt tng ln cao nht theo danh mc ngnh ngh chi tit thuc thm quyn quyk, cp nht: Thc hin vo thi im u nm hoc bt c khi no c s thay i v cc ch td) Loan Purpose Limited: Mc ph duyt tng ln i vi mc ch s dng vn vay. -

e) Loan Officer Limited: Gii hn v thm nh v qun l khon vay i vi cn b tn dng.ti Chi nhnh NHNo cc cp. C ch qun l: Gii hn v thm nh v qun l khon vay mcy v ph duyt cam kt bo lnh c quy i ra ng Vit Nam) i vi tng cn b tn dng tthm nh, qun l khon vay. Tr s chnh thc hin qun l gii hn i vi chuyn vin tni nhnh NHNo cc cp qun l gii hn i vi cn b tn dng chu s qun l ca Gim c choc bt c khi no c s thay i v cc ch tiu lin quan.f) Exception Limited: Cc trng hp loi tr khng p dng hn mc tn dng.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 2/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNG-

Cp qun l: Qun l ti Tr s chnh. C ch qun l: Quy nh nhng trng hp khng thucloi tr c phn loi theo: Loi khch hng c bit; Loi ti sn bo m; Ngun vn cho vhp thun ca NHNN. Tr s chnh thc hin qun l cc trng hp loi tr. Ti Chi nhnh NHNquy nh vn chu s qun l bi mc phn quyt cho vay ti a ca Gim c chi nhnh i vkhi to h thng IPCAS 2 v khi c s iu chnh hoc b sung cc trng hp c th.-

g) Ratio Overdue interest: T l tnh mc li sut pht qu hn trn mc li sut cho vay thun l ti Tr s chnh v ti cc cp Chi nhnh NHNo. C ch qun l: Khng ch t l li suo vay trong hn p dng trong ton h thng. Tr s chnh thc hin qun l t l li sut phtrong hn mc ti a trong ton h thng. Ti Chi nhnh NHNo cc cp, cc trng hp ng k,cp nht: ng k vo thi im khi to h thng IPCAS 2 v khi c s iu chnh hoc b sun-

2. Sa i v h tr Qun tr ri ro v Quy trnh x l thng tin ph duyt khon vay: a) Cqu trnh qun l thng tin thm nh tn dng, h thng h tr cho vic nhp cc thng tin lchnh, kinh doanh, cng n vi ngn hng v vi cc t chc tn dng khc. H tr qun l kchp nhn qun l cc thng tin v khon vay. Tch bit vic qun l cc thng tin lin quanho vay vi mc ch kinh doanh (gi chung l Cho vay doanh nghip - Corporate Loan) vi cc tn lin quan n qu trnh thm nh v ph duyt cho vay c nhn, h gia nh(gi chung l Coan) bng cc mn hnh qun l ring. Nng cao trch nhim c nhn i vi cc chc danh c tnhnh bng vic tch vic qun l thng tin thm nh ring vi thng tin ph duyt. i virate Loan): p dng i vi cc nhu cu vay vn ca doanh nghip hoc c nhn phc v mc cv. i vi Cho vay c nhn (Individual Loan): p dng i vi cc nhu cu vay vn ca c nhkhc c p dng cc th tc thm nh n gin nh: Cm c chng ch c gi, mc ch Tiug phi ng k kinh doanhHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 3/35


b) Quy trnh x l thng tin ph duyt khon vay: Vic qun l thng tin v nhu cu vay vn vrn h thng c thc hin c lp vi vic ph duyt cho vay, vic ny thuc trch nhim cc). Cn b lnh o ti cc cp chi nhnh thc hin vic ph duyt khon vay thuc quyn phgian v chc nng qun l trn h thng sau khi cc thng tin thm nh khon vay c nhhn quyt cho vay ca chi nhnh cp di s c chi nhnh cp trn xem xt thm nh v thcphn quyt cho vay c quy nh i vi chi nhnh cp trn . Qu trnh qun l tn dng sh trn h thng IPCAS 1 v p dng chung i vi tt c cc loi khch hng-

3. Sa i v Qun l thng tin Th chp/Gii to Ti sn bo m: a) Qun l thng tin Th cthc hin th chp mt ln ton b gi tr ti sn hoc th chp nhiu ln vi nhiu phn gilnh ca khch hng. H tr vic in Bin bn Giao / Nhn TSB gia Ngn hng vi Khch hng.thc hin gii to mt ln ton b gi tr ti sn hoc gii to nhiu ln vi nhiu phn gihon n hoc ngha v bo lnh ti Ngn hng ph hp vi yu cu s dng ti sn ca khch hb) Qun l thng tin Gii to TSB:

4. Sa i v Quy trnh x l thng tin i vi T vay vn (TVV): a) Qun l thng tin v thun l theo tng chng trnh vay vn, tng m s theo di v T vay vn tng ng vi tng hm vay vn ti a phng. Trong qu trnh qun l thng tin v T vay vn, h thng h trh tr vic ng k thng tin thnh vin cho cc T vay vn mi bng cch cpy thnh vin t2 c Sa i chc nng qun l tr gip vic x l cc thng tin v n xin vay/Thm nh/, nhanh chng, gip cho cn b gim bt c thi gian thao tc trn h thng. H tr vic ino ton T hoc theo thnh vin ca T.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009b) Qun l thng tin v n xin vay/Thm nh/Ph duyt/Gii ngn theo T vay vn: Trang: 4/35


5. Sa i qun l thng tin Cn b tn dng: a) Qun l thng tin v Cn b tn dng v thmh. Trn h thng, vic qun l thng tin v cn b tn dng c theo di ring song song vign hng lm nghip v tn dng, ngoi m s nhn vin theo h thng qun l nhn s s c thb nghip v tn dng ring, h thng tr gip lnh o chi nhnh phn quyn ph duyt khon-

b) H tr vic chuyn i cn b tn dng qun l khon vay ph hp vi yu cu iu hnh v2 tr gip chc nng qun l vic chuyn i cn b tn dng theo di khon vay c thun tig qun l khc, tiu ch vn tin theo cn b tn dng c h tr. iu chnh li c ch qv cc mc li sut c bn s c p dng i vi cc khon vay la chn p dng li sut thi nhnh (Self), khi m li sut c bn c thay i gi tr th cc hp ng tn dng angsut pht qu hn so vi li sut cho vay trong hn c t ng gn vi cc hp ng tn dnu mc ti a do Gim c CN quy nh v cng khng vt qu mc trn theo quy nh ca Tnga mc li sut pht c th cho tng hp ng tn dng, nh vy khi ng k li sut cho vay,y trong hn l . trnh vic nhm ln khi ng k li sut cho khon vay, h thng s khthp phn. Trn IPCAS 2, h thng h tr chc nng chuyn i ngun vn cho vay trn ccng ngun vn ca cc d n u thc v ngc li. H tr vic chuyn i cho tng khch hng,eo T vay vn. Trng hp chuyn i ngun vn cho vay lin quan n ti khon cho vay khc nhc nng qun l n kh i (Impaired Loan) c Sa i thm chc nng thu hi n hoc thu htrng thi n kh i s c thc hin thu n ti chc nng qun l cc khon n kh i (I6. Sa i v Qun l li sut cho vay:7. H tr v chuyn i Ngun vn cho vay trn cc HTD: 8. Sa i chc nng Qun l cc khon N kh i: Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 5/35


B. HNG DN S DNG CC CHC NNG C SA I THUC MODULE TN DNG TRN H THNG IPCAS 2.hc nng c Sa i trn IPCAS 2: 1. Qun l Hn mc Tn dng: a) VBAs Capital: Gii hn ttheo t l an ton trn Vn t c ca NHNo&PTNT Vit Nam. (Ch s dng ti Tr s chnh)anch Limitation. Mn hnh qun l:

Tiu ch qun l: Capitalization: Tng s vn t c ca VBA. Percentage (%): Gii hn an tokhng ch theo t l %. Limit Amount: Gii hn an ton trn VTC ca VBA khng ch theo s tithc hin ng k, cp nht ti m chi nhnh 1000 .Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 6/35


b) Branch Limited: Mc phn quyt cho vay ti a ca Gim c Chi nhnh i vi mt khch hnionBranch Limitation.Mn hnh qun l:

Tiu ch qun l: Limit Amount: S tin thuc quyn phn quyt cho vay cao nht ti Chi nho vay v bo lnh quy i theo ng Vit Nam). Tr s chnh thc hin ng k, cp nht quyncp 1. CN cp 1 ng k cho CN cp 2 v cc Phng giao dch trc thuc c m s CN.ng k, cp nht: Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 7/35


c) Customer Grade & Loan term: Hn mc tn dng chi tit theo tng loi khch hng c phn thhch hng, thi hn vay vn v bin php bo m tin vay.ng dn: LOANOriginationun l:

Tiu ch qun l: Grade: Xp loi khch hng, c 10 loi KH t A1 cho n D. Loan Term: Thgn hn, Trung hn v Di hn. Secure Limited Amount: Hn mc tn dng phn theo bin php bsn (Secured). Unsecure Limited Amount: Hn mc tn dng phn theo bin php bo m khon vaUnsecured). Tr s chnh thc hin ng k, cp nht ti m chi nhnh 1000 . Chi nhnh NHNo ct ng k, cp nht theo danh mc chi tit do Gim c CN quy nh .ng k, cp nht: Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 8/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGd) Loan Purpose Limited: Mc ph duyt tng ln i vi mc ch s dng vn vay.Limitation. Mn hnh qun l:

ng dn

Tiu ch qun l: Loan Purpose Code: Danh mc m ngnh ngh kinh doanh. Funding Purpose: Chmc ch s dng vn theo tng m ngnh ngh kinh doanh. Secure Limit Amount: Hn mc ph duym tin vay bng ti sn. Unsecure Limit Amount: Hn mc ph duyt theo bin php bo m ts chnh thc hin ng k, cp nht ti m chi nhnh 1000 . Chi nhnh NHNo cc cp v cc PGdanh mc chi tit do Gim c CN quy nh .ng k, cp nht: Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 9/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGe) Loan Officer Limited: Gii hn v thm nh v qun l khon vay i vi cn b tn dng.ranch Limitation.Mn hnh qun l:

Tiu ch qun l: Officer No: M s ca CBTD. Offcer Name: Tn ca CBTD. Limit Amount: Hnnh khon vay vi mi BCTD. CBTD thuc cp chi nhnh no th cp Chi nhnh t ng k, cng k, cp nht:Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 10/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGf) Exception Limited: Cc trng hp loi tr khng p dng hn mc tn dng.imitation. Mn hnh qun l:

ng dn: LO

Tiu ch qun l: Except Limited Type: Cc trng hp loi tr kim sot hn mc. Except Li: Chi tit theo tng trng hp loi tr. Tr s chnh thc hin ng k, cp nht ti m ching k, cp nht:Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 11/35


g) Ratio Overdue interest: T l tnh mc li sut pht qu hn trn mc li sut cho vay thOriginationBranch Limitation. Mn hnh qun l:

Tiu ch qun l: Ratio Overdue Interest Limited: T l ti a v li sut pht qu hn daTr s chnh thc hin ng k, cp nht ti m chi nhnh 1000 t l ti a khng ch ton hnht t l theo quy nh ca Gim c chi nhnh.ng k, cp nht: Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 12/35


2. Quy trnh x l thng tin ph duyt khon vay. a) Qun l thng tin chm im khch hng:g c qun l khi khch hng t quan h tn dng vi Chi nhnh (giai on qun l n xin vn h tn dng th h thng s kim tra thi gian cn hiu lc ca im xp loi khch hng, ng s yu cu cung cp im xp loi khch hng vi hiu lc mi.ng dn: LOAN

Credit management

Credit Analysis.

Mn hnh qun l:

Tiu ch qun l c bn: Expiry date: Thi gian hiu lc ca im xp loi khch hng tnh: Cn b phn tch chm im KH, la chn t danh sch CBTD. Score: Chm im tn dng cho KHdng. Credit Grade: Xp loi khch hng, t ng hin th da trn im tn dng ca KH.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 13/35


b) Qun l thng tin ph duyt trn chc nng Cho vay Doanh nghip:Qun l thng tin n xun l Thng tin n xin vay vn ca KH doanh nghip c gi nguyn so vi chc nng qun lng dn: LOAN

Corporate Loan

Loan Application For Corporate.

Mn hnh qun l: Mn

Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 14/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh chi tit n xin vay:Mn hnh chi tit v tip nhn n xin vay:Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 15/35


Qun l thng tin Thm nh khon vay: Chc nng qun l Thng tin thm nh nhu cu vay vthm chc nng qun l thng tin v D n u t/Phng n SXKD.ng dn: LOAN

Corporate Loan

Loan Application For Corporate

Mn hnh qun l: Mn h

Mn hnh chi tit:Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 16/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh qun l thng tin c bn v D n u t/Phng n SXKD (Project):

Tiu ch qun l c bn: Lending Project s qun l cc thng tin c bn ca D n u t/PSXKD c nhp bng TAB mn hnh: Project. Ni dung ca vic nh gi kh nng ri ro ca Dhnh Risk of Lending Project.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 17/35


Qun l thng tin Ph duyt khon vay: Chc nng qun l Thng tin ph duyt ca KH doanh ng thm nh nhm khc phc nhng nhc im qun l ca IPCAS 1, ph hp vi quy trnh thm cp lnh o chi nhnh cng c nng cao hiu qu qun tr ri ro v phn nh trch nhim h duyt khon vay. Cn b lnh o chi nhnh c phn quyn phi ng nhp (Login) vo h tng dn: LOAN

Corporate Loan

Loan Approval For Corporate

Mn hnh qun l: Mn hnh

Mn hnh chi tit: Lu n kin ph duyt (Approval Opinion): Approval/Disapproval v lkhon vay (Cause of Disapproval).Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 18/35


c) Qun l thng tin ph duyt trn chc nng Cho vay thng thng: S dng tng t nh chc(Corporate Loan). Cn b lnh o chi nhnh c phn quyn phi ng nhp (Login) vo h thng dn: LOAN

Origination

Approval/Contract

Mn hnh qun l: Mn hnh vn tin:

Mn hnh chi tit: Lu n kin ph duyt (Approval Opinion): Approval/Disapproval v lkhon vay (Cause of Disapproval).Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 19/35


3. Qun l thng tin Th chp/Gii to Ti sn bo m. a) Qun l thng tin th chp TSB cB c qun l lin tc i vi tt c cc ln th chp ca ti sn c nh gi. Gi tr ng dn: LOANCollateral Managementcc ln th chp TSB

Collateral/Guarantee (TAB Pledge).

Mn hnh qu

Gii thch: Chc nng New ng k thng tin cho mi ln th chp ti sn. Chc nng Updati sn. Available Ratio (T l gi tr TSB c php s dng) : qun l t l an ton t= 75% gi tr c nh gi ca BS). Collateral Value (Gi tr cn li ca TSB): L gi tr(Quyn u tin): L gi tr b phong to cho cc ngha v m bo khc khng c s dng ity (Gi tr hin c c s dng): L phn d n c bo m theo cc ln th chp trs dng th chp cho cc khon vay tip theo.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 20/35


b) Qun l thng tin gii to TSB ca khch hng: Thng tin gii to TSB c qun l lin: LOANCollateral ManagementCollateral/Guarantee (TAB Pledge).Mn hnh qun l: Mn hii to ton b gi tr th chp: Release

Gii thch: Chn ln th chp cn gii to. S dng chc nng Updatechn Release giihin gii to ton b gi tr th chp ca ln th chp c chn. iu kin gii to:chp xc nh s tin th chp vi D n tin vay. Ch c th gii to phn gi tr th chHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 21/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh gii to mt phn gi tr th chp: Partial Release

Gii thch: Chn ln th chp cn gii to. S dng chc nng Updatechn Partial Releaseelease (Gii to mt phn): thc hin gii to mt phn gi tr th chp ca ln th ch: Nhp s tin cn gii to. iu kin gii to: S tin th chp phi ln hn D n cD n tin vay. Ch c th gii to phn gi tr th chp d ra.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 22/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh in Bin bn giao/nhn TSB: Receipt

Gii thch: Chn chc nng Receipt in Bin bn Giao/Nhn ti sn bo m. Nhp thng tinn lin quan n ni dung ca Bin bn. Ti cc trng thng tin gm Tn KH, s ID, ngy cp,in nu Khch hng c ngi i din n giao dch Trng thng tin Danh mc TSB chi tit d no nhn, s seri ca cc giy t gc ca TSB. S dng nt Add chn thm dng thng tin. Khg thng tin. S dng nt Reset xo cc dng thng tin sai khi nhp. Lu : Bin bn Giao/Ngiao nhn giy t gc ca TSB. C th in trong cc trng hp th chp thm hoc gii to tsn cho khch hng (V d nh trong trng hp nhn th chp hng ho trong kho hoc gii toHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 23/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNG4. X l thng tin i vi T vay vn (TVV). a) Qun l thng tin n xin vay cachc nng ny sau khi hon thnh vic ng k thnh vin cho T vay vn. Mi mtvin theo tng chng trnh vay vn c th. Mi khi c chng trnh vay vn mi,dng chc nng Copy Member ti mn hnh ng k TVV to thnh vin cho T c

cc thnh vTVV ch qucc thnh vnhanh chng

ng dn: LOAN

Origination

Bulk Application (Lending Group).

Mn hnh qun l:

Gii thch: Mn hnh ny c chia lm 02 phn: phn thng tin chung v n xin vay v phnca cc thnh vin. S dng nt Detail xem thng tin chi tit ca tng n xin vay. Sau ktin cho 01 n xin vay trong TVV, nhn Skip cho cc n xin vay cn li, nhn OK kt thc nhn Search li v s dng nt DUP copy thng tin t n xin vay hin c cho cc n xtin theo h s gc ca tng thnh vin, nhn OK kt thc giao dch.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 24/35


b) Qun l thng tin Thm nh khon vay ca T vay vn: S dng chc nng ny sau khi hon tcc thnh vin ca TVV.ng dn: LOAN

Origination

Bulk Authorization (Lending Group).

Mn hnh qun l:

Gii thch: Mn hnh ny c chia lm 02 phn: phn thng tin chung v thng tin Thm nhchi tit ca cc thnh vin. S dng nt Detail kim tra li chi tit thm nh ca tng tHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 25/35


c) Qun l thng tin Ph duyt khon vay ca T vay vn: S dng chc nng ny sau khi hon thm nh cho cc thnh vin ca TVV.ng dn: LOAN

Origination

Bulk Approval (Lending Group).

Mn hnh qun l:

Gii thch: Cn b lnh o chi nhnh c phn quyn phi ng nhp (Login) vo h thng cn lu la chn Approval Opinion ( kin ph duyt) l Approval (ng cho vay) hoc Discho vay). Nu khng ng cho vay th cn la chn l do t chi (Cause of Disapproval). Nhkhch hng khng c chp thun cho vay s c lu tr trong h thng d ng tra cu lchip theo. S dng cc nt Member Approval Letter in thng bo chp thun cho vay ti tnghoc nhn nt Group Approval Letter in thng bo chp thun cho c T.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 26/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGd) Qun l thng tin Gii ngn ca T vay vn: S dng chc nng ny sau khi hon thnh victhnh vin ca T vay vn.ng dn: LOAN

Booking/Servicing

Bulk Disbursement (Lending Group).

Mn hnh qun l

Gii thch: Mn hnh gii ngn theo TVV c chia lm 02 phn: phn thng tin chung v phnhnh vin. Settlement (Hnh thc thanh ton): ch la chn c duy nht mt trong cc hnh tngn cho c T :Cash/CCA/Cust. C th gii ngn cho mt s HTD hoc gii ngn mt ln cho tlm nhiu ln i vi 01 HTD. C th in Giy bo gii ngn cho c T (Group Receipt) hoc inHTD (Member Receipt). Vic lp lch tr n cho cc gii ngn (Repayment Schedule) c thci, ngi s dng la chn bn ghi, sau nhn nt Repayment Schedule.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 27/35


5. Qun l thng tin v Cn b tn dng. a) Qun l thng tin v cn b tn dng: Cn b tnule tn dng. Cn b lnh o t cp Trng, Ph phng kinh doanh (hoc phng tn dng) tr lheo s tin khch hng ngh do Gim c chi nhnh quyt nh. Ngi qun tr h thng s tv cn b tn dng theo quyt nh ca Gim c chi nhnh.ng dn: LOAN

Loan Setup

Loan Officer Management.

Mn hnh qun l:

Gii thch: Loan Officer No (M s CBTD): H thng t ng gn sau khi kt thc giao dch.cp h thng): La chn t danh sch ngi s dng. Position (Chc v): La chn t danh sch: Hin th tnh trng CBTD cn ang lm nghip v (Normal) hay hu b (Cancel) do chuyn bApproval (S tin ph duyt): Hn mc c php ph duyt khon vay. Cc chc nng: New: tin v CBTD / Delete: xo b thng tin CBTD.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 28/35


b) Qun l thng tin chuyn i cn b tn dng theo di khon vay: Trn h thng IPCAS 2, vio di khon vay c h tr thao tc nhanh, tit kim thi gian trong vic ng k thng tng dn: LOAN

Origination

Bulk TransferLoan Officer.

Mn hnh qun l:

Gii thch: Loan Oficer: Chn CBTD ang qun l khon vay bn giao h s. New Loan Officer:s tip nhn qun l khon vay. From Date: Ngy bn giao h s gia cc CBTD. Criteria (Tiuheo tiu ch c gi . Nhn Search, sau nhn Check All chn nhng h s bn giao, nubn ghi v nhn vo Select xo du Check, sau nhn OK hon tt giao dch. (Rih s thc hin chuyn tt c h s sang CBTD mi).Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 29/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh vn tin lch s thay i CBTD:

ng dn: LOAN

Origination

Loan Officer Hist

Gii thch: H tr vn tin lch s chuyn i CBTD theo cc tiu ch tm kim c la chn: La chn tiu ch tm kim ph hp. Loan Account (Ti khon cho vay): Vn tin thay i CBTDkhon cho vay. Transferred/From date~To date: CBTD thay i trong khong thi gian t ngy ~gy. Tnh trng (Status): Normal: H s ang thuc qun l ca CBTD c tn. Cancel: H s thu.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 30/35


6. Qun l li sut cho vay. Li sut th ni da trn cc m li sut c bn u c hiu lcng k khi c s thay i li sut c bn. Khng ch di ca li sut (Spread Rate) trsut pht qu hn trn tng HTD hoc Gii ngn nhng khng c vt t l ti a ti Chi nMn hnh qun l:

Gii thch: Spread/Total Rate (Bin /Tng mc):Hin th bin giao ng ca li sut vOverdue/Overdue Rate (T l li pht/Li sut pht): Hin th t l ca LSQH trn LSTH v hiHng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 31/35


7. H tr chuyn i Ngun vn cho vay trn cc HTD. Sau khi hon thnh cc th tc v yu crn cc HTD v c Tr s chnh chp thun, ngui s dng s s dng chc nng ny qunMn hnh qun l chuyn i ngun vn:

ng dn: LOAN

Loan Account

Loan Transfer Acc

Gii thch: Search Criteria: La chn tiu ch thch hp thc hin. New Account Code: Lmi ph hp vi ngun vn cho vay mi. Funding Resource Type: La chn ngun vn cho vay mint Search lit k cc khon vay, tick vo Select u bn ghi la chn khon vay chuyn ph hp trng Funding Resource Type, nhn OK kt thc giao dch.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 32/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh vn tin lch s chuyn i ngun vn:

ng dn: LOAN

Loan Account

Gii thch: Search Criteria: La chn tiu ch thch hp thc hin vn tin.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 33/35

History T


8. Qun l cc khon N kh i. a) Qun l thng tin N kh i: Khi pht sinh khon vay khca Gim c chi nhnh, CBTD s dng chc nng ny thc hin vic chuyn n kh i cho cMn hnh vn tin cc khon N kh i:

ng dn: LOAN

Impaired Loan

Search Impaired

Gii thch: Search Criteria: La chn tiu ch thch hp thc hin vn tin. S dng ntsinh hoc thu n phc v cho vic XLRR.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 34/35

NGN HNG No&PTNT VIT NAM D N IPCAS G IINHM NGHIP V TN DNGMn hnh thu n cc khon N kh i:

ng dn: LOAN

Impaired Loan

Search Impaired L

Gii thch: Repayment: D ng thu n khi khch hng n tr n. Witte Off Repayment: D ngc XLRR. Trng hp thu n kh i, nhp s tin gc cn thu vo trng Principle Pay Amouvo trng Normal Interest Pay Amount, s tin li qu hn vo trng Past due Interest Paytin gc li cha thu s c lu ti cc trng: Principle Oustanding/Normal Interest OustanInterest Oustanding c th thu vo ln tr n tip theo./.Hng dn s dng Module Tn dng trn h thng IPCAS 2. Thng 3 nm 2009Trang: 35/35

38523187 Tailieuipcas2 Ln

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