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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
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1.1.1. Khái niệm Ngân hàng thương mại 2
1.1.2. Các hoạt động cơ bản của Ngân hàng thương mại trong nền kinh tế 2
1.1.2.1 Hoạt động huy động vốn 2
1.1.2.2 Hoạt động cho vay 3
1.1.3. Các loại hình tín dụng của ngân hàng 6
1.1.3.1. Phân loại theo thời hạn tín dụng 6
1.1.3.2. Phân loại theo hình thức tài trợ 6
1.1.3.3. Phân loại theo tài sản đảm bảo 7
1.1.3.4 Tín dụng phân chia theo rủi ro 8
1.1.3.5 Quy trình tín dụng tổng quát 9
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1.2.1 Khái niệm tín dụng trung và dài hạn 10
1.2.2 Vai trò của tín dụng trung và dài hạn 11
1.2.2.1 Vai trò của tín dụng trung và dài hạn đối với các doanh nghiệp 11

2.1.3 Tình hình hoạt động kinh doanh trong 3 năm 2008, 2009,2010 38
2.1.3.1 Hoạt động huy dộng vốn 38
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2.2.1 Khái quát chung 47
2.2.2 Thực trạng tín dụng trung và dài hạn tại ngân hàng thương mại cổ
phần Tiên Phong 49
2.2.2.1 Khái quát chung 49
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
2.2.2.2. Tình hình cho vay trung và dài hạn tại Chi nhánh Hà Nội 53
2.2.2.3. Tình hình nợ quá hạn 56
2.2.3 Đánh giá chất lượng tín dụng trung và dài hạn tại ngân hàng thương
mại cổ phần Tiên Phong 58
2.2.3.1 Những kết quả đạt được 59
2.2.3.2 Những tồn tại 61
2.2.3.3 Nguyên nhân tồn tại 62
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3.1.1 Mục tiêu phát triển của ngân hàng 64
3.1.2. Quan điểm chỉ đạo hoạt động tín dụng trung và dài hạn của Ngân
hàng TMCP Tiên Phong - Chi nhánh Hà Nội giai đoạn 2010-2014 65
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3.2.1 Cải thiện đa dạng hóa cơ cấu, loại hình cho vay trung và dài hạn 66
3.2.2 Thực hiện tốt công tác khách hàng và mở rộng tín dụng 68

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[\>
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính

SV: Nguyễn Thị Hòa Lớp: TCDN 49B
k
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
$ G$2R '28=g6747$>
7&:/ ^=gGf7=(
/q/'/&;@64B$&D/g2:O= > '
2G&:/ 7OP&1&]rs']bsB
OR '2G,I=  K7 =I
&-'2'72RSS  6B
1.1.2.2 Hoạt động cho vay
'I!tC2 72:+^ +
0+&'2,!C7BL 2O'$0+
71"O,2R -P$02R OSS/>
\ ^-B
2G'6K
u' -Y
$22  +78@0'2,
7G24.Cf4"$o' -Y$6$3;BL0
N$' -Y/0$$'2:7
! -YG7=NBL +$+
& -Y2:$fG$P2G@-SN$f
^f7$R
u$;-07
'$ '=,&'57?v
&0$('$ -.$;'\'-07'7
$R8(G/,n'2R2 2^2C^
2G/>.<7B
u>H >/>G
70((& P^'!O7
/>77$wBPGP/>@.^'

x2;w2G2KE^#G/,2= >2O6
@6/y ^,C^t'>
 G/,&;$7+ @6^2D$G22O
u>&:
T>N76G7$^&
P=67&O '@$(C>&:
7B!C>&:764 D 
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
c
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
O$+CD.7<7'',67<@-S
7B@!2GC>&:6$^= -(&
ZOG2 .( H >/>\ ^-B
u +CD$ -
o2RC72;7+CDO7$D&4= :/>\ ^2:"
7 B ,;2K7OR &a-#'n"&;
2K  dB~^= 2:@0 +CD7'O
+8H ;2K  $2O &+CD
 2= (7>$>jls']lls7$D> /> 
BT#''6?O= 2R,'2;\+
@-S$ -
u ^-DS6'7^
T2G6O$^=  '=H >&E@Z
B= 7'7<-(2:!H >&E/>
'H >&E2G@GBTDS6'77$R/>&F06'
7'G'G.6'77'2 B#@n
2;2O$n&!2;6'7$-1.'H >&E/>6
72:H 2!Co78C,/>.C>H >7^'•O7
7-YC^t>B/q/^@=
&# C7/7#-(B

u@-S$ I]N2+€N$;7/>,2D
(#>.G/,'$K# 8$+CD,n
67B
u@-S-$€N$;78$4\'-0
7'./C'. 2!.7'O+CDO7$D&.O$D/g-S&
Q(\72D!$?xO@^2,.4= >
'8\72D2;@\7!B9!OEF
H $"2,4&H #+2+@/&;6
/>'6
1.1.3.2. Phân loại theo hình thức tài trợ
@-S2;'C>&:. {
u'2O&(2=7+7
>$>>,&U&:/ G>!\72D2OB
'&/>&$72G@-SB'!2;2D
&;9kx T/,'$t-; ,tBT/,
'$t&/,='$t.-; ,t&/,=
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
•
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
'!2R ,tBG/,!>-;
$@&#-0n^V&:#$
u+^ + &(6/ $I2
#62R/fP + 2+$K<$=
7<7$Dn&6+
u &(CZ= />2R7 9
PZ #72DBL !2O7>$>=,&:
B />2;>S/>9-; 
u>&:&(+0(7FS@G
764BV-Y8\ ^$/2:7
; '@642R &;

„+^7&E8Co
„ +^<^+^<
„ +^7++^$0+
u,
,/>&(GCaC,d/> G/fP 6
4CaC#,d2R2>C>FS-/0
u>&:6C<C
>&:6C<C&CC>&:+//yO$7
($>,,&:'7',$$!;7
8$>2;;
u@-S8/>2>C>OR2;^77
O '@.!&7&N!\ 'O&:44@&
.@\>'$4$;-'-VO'2,Z/,
6!'B4<@-S'ORR2+7>'6@
6@6'  .'2,7<@'8'&
1.1.3.4 Tín dụng phân chia theo rủi ro
+ 9$6$ORR2+
u@-S&O>N K
u@-SO^2=O-^ ( 8&7#
 S.7VZ.7:G7C77
@
u;H 7O>N K7>;H 757
O>NSK,.O/>2>C>O7$D&
u;H 7O2n;H 7& .>N$>;w./>+
^ZCD7.78 ,$>;
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
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Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
1.1.3.5 Quy trình tín dụng tổng quát
d]^K/' #8

uS
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
b
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
uG- 
„O7'8
„7<'
„72= >$C G;2K
u^ <
-dƒ>
uS
uG- 
ƒ> 1'
ƒ>O2= (
u^ <
9d7\w
uS
uG- 
*R$(/g-S='7\w7^2=&H 2+($@$>
;>N$>;
7\w2>C>@-S+ O.##8
u^ <
•d•*+1
uS
uG- 
0($$!;70(21;2K8
21;2K4O77\g&E7 Y'9H '2D6
C>2O
u^ <0(
2$6$?@ABCDE

>8'?2;H '=C7$7+ .+ 64$D$!
<7.^&8'&#'H 7Z.O+N$^O
OR '2G$7>'$ „-I1
0(+&;-29&&;<-(
8N/0R/76!C2,2G-6
-($$!;7+ '$7+ BV-YO
=  #&;#'&:/ ^$ „-6&72,
-(B G7-(>F2+( H >2 .-
22;8x26$>,&:>29&&;<
4BT#'.&:/ ^@-S$ „-6&2nCp'12p'
-(7$(2R2K,2R-O&:5&;$
$B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]]
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
#'.',$ „-I&C(7H $"2R
7-(0(2;-0764B
1.2.2.2 Vai trò của tín dụng trung và dài hạn đối với nền kinh tế
2G@-S$ „-27<  =,=+
H ,-.2= &;  =,$=+2G@-S&
(S 'R,II2++ ,.IP+(/
2 .SS7$R=+B
 T#$ 2;,2=   ,$=+.@
-S$ „-O0( 'R-D^ +98
(„8(„-DS.2p'H 7$47/>\ ^f$G2 7
$R+.B7>' ^72;0(9>
= / = $G.2 O$"2R.47/>\ ^?
".\'-0^ ;&E7$(2R7 K&02R#$ S
S/>\ ^B5$' K,&.& -2:12p'+2G7$R7
8$4.7-07.2;( H >+C=P.& -O1

&;@62Bf4@-S$ -&@-SOH '8
&.&:/ ^O!-&:/y&2D. '$6$?7

1.2.2 Nội dung của nghiệp vụ cho vay trung và dài hạn
1.2.2.1 Mục đích cho vay
@-S52;'6'+ 2RC/  K,
& 2G6-(.4@-S$ -&o2 7-0
7O!2,- /57'O+CD.\'-0/gP
\f/f#^` #.2$+CD8(o27
<  />\ ^-.7$R$&6-(B
1.2.2.2 Đối tượng cho vay
),;'$ -&CG7@^ $
<,2 67-07\'-0.f$G>8(.7$R
/>\ ^
$H (@-S.2,;'$ -&7
8$4.S8$4V7-072 \'-0. /5/>
,2D672D+O& #<` #,.\70-07
2:- '(B
1.2.2.3 Điều kiện cho vay
)R2;',.2D\'>g2+2\'.& #
<+.` #-072:2;p2D^$- '(7
C77@64$GN$B$.2D\'>
g2+C>@7( H >6-07.&; #-07&
H 7N.7x >7>N/&;6-07Q.†~~BBB
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]M
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
2OO@72'267/,=\'.7 K$>;&($>;B
'/y\9\w`7&( o2772'26>N6
2D',$H '+2D'.44@:S6"

SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]c
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
k;2KC>&:2;EP!C>&:B
*\w- '(GC>&:1E2+G/,2R/ 
‚!C>&:>O26N&0C>&:9H '2D67& #B
+ &74!2<$C>&:>&!2-(;76
7B
‚RV72<$C>&:>O26N&0@
2R0(FS2:+B
‚‡'@6!C>&:B
)>C>@-S2;&  p\w- '('>
^'$o2'8>&  pH $"^'O778
>&  p@ '5B '$!H .7
U\+2>C>='D$@/,G
1.2.2.4 Thời hạn cho vay
)R7C(C>2 P@-S$ „-5&
!'B
u@-S5!'2;\72DY; t/>
->N$>;678H 7]k7B
u@-S$ „-!'2;\72DY;
! K,6-072 .>N$>;67@^
6 K,'.$2O
 ‚@-S$ -O!I]k72+M•7V•l
7 t9H '2D6IB
‚@-S-O!$M•7V•l7B
1.2.2.5 Hạn mức cho vay
<''S G= '+ ,
u '2D6.S 6@/7=($
I!tB

&;x 2D@B
dBOx 2D&;
]dT;$ -z K,asd
„T0x 'H 7N2R277<2G#$ ,@
-S6
„x 4<2G2G62DO
( H >.;&2VON.^&$(4+
7B
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]•
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
6f<2G/g-S,ˆQ,/g-SzQ, '2GB]lls
x '^'OR/g-S K,$ „-
G K,52R'$ „-BORR 2'
&x >72;^&;@-SBx /g-S,w27
7@( H >$2G@-S6Bx '&4
<Z2:/g-SG7( H > K, '2G2;B
„x '>7'2;C / K, '
2G.OnO&>N '2G ,2D6B
„x '&R(, '2G-;@.>N '2G
,6,B
MdB(/, ;asdˆaT/, ;$ -zT/,
'd‰]ll
„x '277( H >@-S$( ;6
„O>7$]!t2O.-/,'^2D4
/y =2;C 2K,B
„x&(',
cdBx&(;H 7asdˆa;H 7$ -z/,-d‰
]ll
„x '^'>N K,62,7Z

T;C4H N6
~•$Œ('4^&;@-S^B;H 7
2;\7O '&>&; #6+ OH 7= ;
H 72;\7/yOR&7/>B72,
5>2+<,27>;O2n2R&N^&;@-S
$ „-B 2'^'2;$o2Gp2D$'6
&+2O$nH $"B$O=
$!;^,-&?&S.Z2G2^./O>N^
,&$^./2O47!$;^-5
SON$5
rdBx &; #B
i; #I@-S$ -
x &; #ˆŽŽŽŽŽŽŽŽŽŽŽŽŽŽŽŽ‰]lls
-;$ -
i; #I@-S$ -
VˆŽŽŽŽŽŽŽŽŽŽŽŽŽŽŽŽ‰]lls
SV: Nguyễn Thị Hòa Lớp: TCDN 49B
]r
Chuyên đề thực tập tốt nghiệp Khoa: Ngân hàng - Tài chính
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