
 



 CHUYÊN NGÀNH: TÀI CHÍNH  NGÂN HÀNG






 






1.1.2.3. Ri ro tín dng có th d báo hoc không th d báo: 5
1.1.3.  6
1.1.4.  7
1.1.4.1. : 7
1.1.4.2. : 8
1.1.4.3. Ng: 9
1.1.5. : 10
1.1.5.1. : 10
1.1.5.2.  14
1.1.5.3.  15
1.1.5.4.  15
1.2. : 15
1.2.1. : 15
1.2.2. : 17
1.2.3. : 19
1.2.3.1. : 20
1.2.3.2. M: 21
1.2.3.3.  23
1.2.4. Quy 
 24
1.3.  26
1.3.1.  26
1.3.2. : 27
1.4. 
 28
1.4.1. : 28
1.4.2.  28
1.4.3. Bài hc kinh nghi i v: 29
1 30


2.3.2. .HCM : 61
2.3.3. : 61
2.4. 
.HCM 65
2.4.1.  65
2.4.2. guyên nhân : 66
KT LN CH 2 70

 71
3.1. -
.HCM 71
3.1.1 : 71
3.1.2 2014: 72
3.2. 
.HCM 73
3.2.1. 
.HCM  73
3.2.1.1. : 73
3.2.1.2. Nâng cao c: 73
3.2.1.3. 
khi cho vay: 75
3.2.1.4. : 77
3.2.1.5. : 77
3.2.1.6. 
 78
3.2.1.7. : 79
3.2.1.8. Chú  n  phát  cht cán 
: 80
3.2.2.  81
3.2.2.1.  81

NH TMCP 
NHCT VN  
PGD 
QLRR 
QLRRTD 
SXKD 
TCTD 
 
TP.HCM 
 
TSC :
VIETINBANK 
VIETINBANK AMC : 



2008  6/2013

TP.HCM6/2013
TP.HCM
TP.HCM
TP.HCM
TP.HCM

TP.HCM
Vietinbank  1


1. t v nghiên cu:
             

 

; 


.


không t
cho vay khách hàng, nâng 

3. Mc tiêu nghiên cu:


 
6 
 .
4. Phm vi nghiên cu:
              
2008  6/2013.

 .
3

5. ng nghiên cu:

 .
6. u:


7. Kt cu ca lu
ng quan ca các NHTM
c trng hn ch


 

5


  

.



1.1.2. 
1.1.2.1. 
Tính chng và phc tp ca ri ro tín dng biu hin  s ng và
phc tp ca các nguyên nhân dn ri ro tín du qu do ri
ro tín dng gây ra. Nhn thc và vn dng m này, khi thc hin phòng nga
và hn ch ri ro tín dng cn áp dng b nhiu bin pháp, không ch quan
vi bt c mt du hiu ri ro nào. Bên c lý hu qu ri ro
tín dng cn xut phát t nguyên nhân, bn cht và hu qu ca r n
pháp phù hp.
1.1.2.2. Ri ro tín dng có tính cht tt yu:
Các chuyên gia kinh t u cho rng hong kinh doanh ngân hàng thc
cht là qun lý ri ro ch yu là ri ro tín dng  m phù h c mc
li nhu ng. Do nhiu nguyên nhân ch quan và khách quan dn ri ro,
c bit do không th c thông tin cân xng v vic s dng vn vay cho hot
ng kinh doanh ca khách hàng vay, nên bt c khom n
i vi hong tín dng ca các NHTM. Vì vy trong quá trình
cp tín dng cho khách hàng, các NHTM cn ch ng có các bin pháp thích hp
 nh rng ri ro, qun lý ri ro và kim soát ri ro.
1.1.2.3. Ri ro tín dng có th d báo hoc không th d báo:

7

+ 


+  


h
1.1.4. Nguyên nhâ

hai 
    hai         , nguyên nhân

1.1.4.1. :

         
    



.
Quy  


.
    :        
.




nghip, song thc t s ng khách hàng cá nhân li rt ln nên vic tìm hiu các
nguyên nhân t phía khách t quan trng.
Vi khách hàng cá nhân, nguyên nhân ri ro có th là:
- Hong kinh doanh không gp thun li, kh n lý tình hình tài
chính yu kém.
- Ngun hoàn tr chính t thu nhn b mt hoc suy gim do mt vic,
chuyn sang công vic không còn kh ng.
- Cá nhân gp nhng chuyn bng trong cuc sng, vì vy, h phi s
dng mt s tin ln nên ng kh  cho ngân hàng.
- c cá nhân không tt: c tình lo ngân hàng, s dng vn sai mc

1.1.4.3. h quan :
Môi ng kinh  xã i: m  kinh  dù mnh hay y  ph 
qua chu k khng  - suy thoái - phát  - hng  Do vy  
kinh   tr lành mnh, tm   và tiêu dùng  xã  còn ln
thì     kinh doanh có     phát  Ng  trong
 kinh    ng à   thu  c   các thành viên
trong xã  
,
lm phát   giá   ti gim sút,   b
   phát  sn  kinh doanh là rt kém, nh hng 
 ng kinh doanh  ngân hàng nói chung và  ng thu  công 
 ngân hàng nói riêng.    ra là các ngân hàng  nghiên cu k v
chu kinh   chính sách cho vay phù hp.
Môi ng pháp lý: tác   r ro tín  do pháp  quy  
 các yu t trong quy trình cho vay  i  cho vay, lo tài sn  
  công chng, ng ký giao   m, x lý, phát mãi tài sn
vy môi tr pháp lý  quy  cho các bên tham gia và không có
  cho nhng  có ý  u. Môi trng pháp lý   còn là nhân t

.

.

,
11


.
.
  ;
t; tc 
t

nh xây d 
; tt



      



; t


; t
 
; k


kéo dài; 

 .
13




 
; t 
thanh toán các 
 
          i   
               
  c
pháp lý 
m, v
tính dài
 s





kinh doanh m; giá 

   




      ;k  

Cho vay thê

 
15

 t

1.1.5.3. 
khác :
       

              


kinh doanh 
â


1.1.5.4. 
             




hàng.

1.2. Hn ch:
1.2.1. :