!"#$
%&'(')*+
!"#$%$&'()*$+,-./
* ,0,12 304
56567-8259!:;<=#,%
,>=?!=;$0@=?=4!A2;*1
;B5+,(*0-
CDEFGE1+!5H%
$+I5DB304J5GKL1GML1NL1FL0@
0",O8PQ%R1H=%G1EST$+2
23!2+?,$'1
0!+1'8PQ1;!328PQ
+13=)UV@W!<X!!
$'5W304$@593()"D
D5?328PQ-%X!!X;;304W
G=5),:'O8PQ,CW)
$YJ"!&O2304-
Z5[<$$50?Z3J,6!;Z
=;;X;-\($,61!;
C2*2(1 2,1&X!!,"=1
]5,XA=-9;,T
$+=?X'*:J$61X;;$B ,
()-
8'^$+_$'X;;$1
?!8P88`a8.Cb'1Z0)
C26$ Kf
R-E-G-GF-P$'!*6 KK
R-E-E-8%X!!kW KK
R-E-E-G-99!!55$' $/
:g5[=;;X;"cW KK
R-E-E-E-D6kW,=$ KN
R-E-E-R-D*(W!50$X$^$+(
JD- Kh
R-R-G-E-.3!2C($$X;"=;
X;;- NG
49:%+;0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000<<
:='%'>+:?@A4?BC0000000000000000000000000000000000000000000000000000000000000000000000000000DE
!?FG/0!GHI%J%+;KLMBC)BA:NOP:Q'
R?=:?FGAQ'
/0/0 4STU:V
W5XY
/0/0/0 4:
,1304%$&
2$!JC$*$90T1=;:',
0-*$+<!$43045!$431
(=?c$!"2-
.%l$304%"Y,304
5 0$=;^X9$$X9$1%X9
$"=;X9$=g04 '
Z>1X9$%;$6,9$**$
5mX9$,-
8$3045*("W$*
'^1%$&$1$
!C,,1%$&5$-
/0/010 )TU:VW5XY
o$ Xc59$$93-
=;9XcX' =;$ =;1%25
%vX-
/0/03010:[YS$
o%&5$%GE$W=g
04"XT_!=?4$*5 20!$
C9_2
o'&55$%9GEM
D-3042W=g04"C=_=;*
1;$A+X16!UX9%304
&5c<$*5 :90
!nX5^0!+ -
(!&55$%9M_$*
%"59EFoRFD-55304W'!"!J
%C0:0?B1X1!$;%(
65+1:0?:3!+-
/0/03030:[\]^S_W
o )* 5$,6%=;
'!1C*nX;5m2,I0?$32X;
,$$*"($-!04*$+
,%J 3-
o)*5$0?9=BX;;
$'!1C*1nX;5m2 X9JX,-
!04*$+,,6%3*$+
-
/0/030`0:[.
(')55$,!;;$**
$5mZ,w-$2W!04$X'
=;B1$90T1$*$+^,0
>1$X,t6!-
y
$*$
8
W
8
;;304&)5X;;$5$X;$(
5W2$0?9=B'!1C*=; =B^
2$nX;5m2X9JR-?'5$5!
=B,$!!5[,>mC
c304m'!W!$,6?;W
Z(-
.C'd1X;;$6IW:Z:s
5X!!$5=BWJ,,$<65[0
%,6;WW$-\('!304,650
3,;20?1,D32,$1J,6
!;B=;X;;$-8'!3040?$X;;
$:5Xd=#!;X$;X;=%"
;%W<=#zX$-.3$<$X;;
$,6!;5Y/5*C$$*-
8$1X;;$5$0T=;32
1AJ"X;; ,;$-yX9$,6?
Yl$4;W2<<=#X;;$5c
c,;Wm$-
/010/010 KcU
n2 304556c2-y
'!30456!;*n$+52%%
2304-{2304WX"BE02'
$*$2)$*-{2'$*5$$
,6cWWnIcW !C1&2)$*
5,|$;W,,;W-5
o =;W!s!01=;,6%'!-\<X;
;3045 500=?1*0%%5?
!!5<=;0!;W!!!$=B^$W
$0-=;W!s!05=;!!5
!s!n,6'1X1n1"A1"W1C
*1'!1X;5m$0,-$1%^=;%"
B0=B^W!!!,6W01$304=;X
(%7(^19!1!>1=;52
4;"1!=;0!-O%1%"" d1}W
!s!0~5Z(2!!5W=;%$
01B*W201!TW!s!0W
=Xd=?5O^W!X'1X
0Z(2!!5-;X;=B!!5[
$"=;O$=$1c
^_*!=,:;=?*1X;;"p
$q%(9$:g5[=;dcW,$
,6?Wl$42<-
o =;WX;"Z(1X;;=;&
9$•nWXc<%:;1,65;
Bc2-
0 ,,*$+=;;X;
o b2X;;!;5+l$4W;X;-
B$<1$?!J$%X;;,6I
d;X;cW&%[l()$
X 9$'1Y4$!;=g04(;$*$
";WY$I,;WW<$
+%"cW=;2<-.9=;X;;
>l$4X;;pXc$*1*15m,";5m(
$!3,%q<=#'04$[l2X;;
$1$0|% ,6;W1,%,D
X;?l$4-
n25;X;5'!IC"
(=B^!3&$@!4W=g04=;
43=;:',02<1|5,65$+;
$+-\<$'!=;W!04*$+
^5=;%5+5X' =;$ =;%D,[
(=B^1^=;,6"$+(<=;:'2
,n^=;c,1$X$"W=;
!J!%X1'1U-V%1!!5%(
$$'!*$+O5=;'<$'!%!;
W6J1J?n!;D,[0;X;-
9225;X;5(<=g04%"5;
2=;1W%"5W04!=;1U$<$1
!;,"=$5=;:9-
9?$'!=;W=g04'
6040;X;1'50$+
-
0 !"^
REf 50=?pV]q(}.C*=;5$
X9=; (=B^2<X9,"X;;?
l$40=?-.C*5<JZ%W2
!;"(,"=]=
,p5Wq-
8$1$+<J;X;1C*!;"
=;nX9JXZ>2X9-\<$
=;C*5 =;1=;%"0|0
5^$X;(;/1c,65;B
2C*$=g04$*WW1$304J
,1W!c1=A,11,5([
/%"C*%I'!%
$=g04-
0 MhgdUi\
<J;X;304%X9JXpX9X;5mq
,$+$pX9X;5mq$$=g04=;
=B^2<"?l$4;W,$pX9
WX;5mq1;W,$,6?n
?,6Yl$4;W-
\X;5mXd=;%",‚ZX!!C*1'!
X;;XdC*1'!=;23,$$*"
?l$41$0AJ304$X9X;5m;
-5<JX;;,s!1d!&,X;5m
,6?Wl$4<%":g5[=;,‚Z
X;5m-";X;,6I7,
&C!;7;X9X;5m n#-
y:Z:s$($%=;X;;2X9JX1
C(X9_X;5m=
./X9X;5m?X;5m ?$I
WX;5mXd=; =B^2<-
./k5CX;5m<X9X;5m!;!
X;5m2<-
./C:Z:s,t5•,;D31<
=;$32X9X;5m-
(<X;5m1X9JXpJX;5mq!;%
;WX9WX;5m)
,6;WWp8WBXc;*15m$!3,
%q$X9X;5m/!;6*$W
-Qn,1X;5m/%(9C,"
$=g04$*$2,$,C$,X9X;5m
m;WX9WX;5m<%l5)mB2W
?!15Y(^$X9X;5mW'0J-
Xkah]
5<JZ%1AJ"3o:m 0T
32<";X;AJ1 <‚
$$*" AJ=;:',0A=*1nkW)
5Y,%,D191'TUP<J$3:m
1$<491ƒ='=5,61nX
$+ ‚1,;D;W,%-!5?,6>59
8+-
1.2.3. Quy trình thực hiện các biện pháp bảo đảm tiền vay.
1234. 56!+*789':
*8;<=
\+X',<c=304$,1!;:Z:s
)Oc=1'$$*W!53$D5?3
2,1"O%^!J$3W!d
;X;cW-$+OX c=$,4"1=,7
%"'!304nO*'!304-
123>.?*0!*=
$%=;;X;1$,$
!3c=C156!;Y)nX+6
=;X;;d:Z:s,2=;$
Y-
„7$,2=;c73W!
!!S7$356$(=B^-\7=;
X;;B+&,%,DX'!1=;W5
E51 5!!5(!;D,[(=B^1 5
,6-*$+5%D,[<$73=B^;I5
,"'=B^$+5,6D,[<!;:Z
:sO,96,2,6%-./9
*$+^=;!!5(!;%X;"<
C,":Z,%YX;"…]B0l
!=;:':D%6='A10%J$1!
J$/,6*-8=;;X;50=;
:'161 0<J$J
/,=;59$51645 J$
&!4 $213=2O,w2k8PQ-
],$:J$1X =#"
=X+!Z-
123CDE<6!:FE!*=
PW!cX;;=;W,[,c$+W!c
304=,'24C-wZ<JX;;$
=;X;;W!cX;;%"W5!9nd
W!c304$/wO5<X;;Z(2!!
5W!cX;;!;6J+$=;X;;!;
D,[0X;;$+(+%7(-
*$+=;3<wZ=?;^$
,?<J'!!!5['!6Xd1
5'!!!5[<X9X;5m!;"(=B^
15'!6Xd<"'J(
=B^1&=;C*<%'5=;$+^n"
3',9w $n3%$X9X;
;?;!!!"=;=!TW!'-\
nX5[B5W!cX;;I%[l!!5[,$
I,%,‚$+W!c304pW!c*q-
\(;5[=;X;;Xc;$X;(;15
=;$:g5[=,(22$(;5[&!4 $
=B$'p,Xm"X;(;q1< X
$=;$W^X!!:g5[;1;
X; ,028PQ-
123GAHFE!*=
y1,?C2^l
%"0@!=;-.3$<$&>!;,6O
'5W X;;$2<-
/03010 !i#VS$
/03010/0 !mi#X
V?$I93%"!C,(
W$'5WX;;$2 8PQ-.%'I9
3!;'5W1$ =*I9Y!Xj'
$'5WX;;$1Xc
Danh mục tài sản bảo đảm:i;04=;X;;59
C,(6(;1%5 _
:3()(<$cW1:g5[,;W%$'
-.$%=;X;;T$+(;5[*04=;X;
;5 ^*%!!C'5W,;$1
A'2W!,;$(
,,6;WW1X !;:g5[=;"cW-{j1
'5W2=;X;;14"52=;X;
;":g5[=;X;;=#%3'(c
cW2-\3041=;X;;50
%X1,!;!<976&!T
W!,6=$+=#(;2=;X;;1
53I5=_$4$!;*!35[-V$1
$(;5[1!304=;X;;5X;;
$0+<J'!1C*1X;5m5,!
=JC-\5?)=;X;;01W=g04!TW!
$!JX;;*=#Y!YW*W
,15D31D,;D304
cY!;"2!*$0=;
X;;-
Khả năng định giá tài sản bảo đảm:=;X;;5*(
)"(J$-r3:=;
Xử lý tài sản bảo đảm2y;D:g5[W=;X;;$+
!3'!124%Y!X;;W(5W$
,/5 93!;'5WX;;$ \
:g5[=;X;;!;W? ,(16,1
X1X;;($5W3W!!!2X90
X;;11AJ%59(-
/0301010 !mi#X
a. Chỉ tiêu về mức độ bảo đảm của tài sản
5I9XJ XT_!$*2 =;;X;
W!,,6?Wl$42<-
.6J
P ˆ
b2,;$
b2=;;X;
b,;$5=*,$9
W!c304-b2=;X;;W"Xd=*
X 71W:",[,W!c
X;;15=B$:J$2-
y=g04I9<!;0?XW,;DX
2=;$$<%"AZ
0*-c/!;0?XW^!3
$X=;;X;-%'!%l5c
XT_!2,,,6;WW%"-
9I9(%"503=$2
(n1=*$2,>1,%,D!
$*2,1I9(=#<'
$2,,,6%,;D
;W$-
b. Chỉ tiêu tỷ lệ dư nợ có tài sản đảm bảo trên tổng dư nợ
/
Copyright: Tài liệu đại học ©