Giải pháp nâng cao chất lượng tín dụng tại Chi nhánh Hàng Trống Ngân hàng TMCP nhà Hà Nội

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Giải pháp nâng cao chất lượng tín dụng tại Chi nhánh Hàng Trống Ngân hàng TMCP nhà Hà Nội

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Nền kinh tế thị trường tại Việt Nam đang trên đà phát triển một cách mạnh mẽ, chúng ta đang có rất nhiều điều kiện thuận lợi để tiến lên một nước công nghiệp tiến tiến. Đồng thời đó là một môi trường cạnh tranh rất khắc nghiệt. Đòi hỏi mỗi chủ thể kinh tế tham gia vào thị trường phải có một khả năng tài chính vững mạnh và trong sạch.

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K  8 & K  8  9 3#:0 ; !F! K 5 K C! ; & 9 /& 8 ! K 7 9 ': ;  8 N ; 5 ; F!0 ; ! K /: 8  9  9 <H& M # ; 0 ;  9  9                     !"       # O Chuyên đ CHƯƠNG I CÁC VẤN ĐỀ CƠ BẢN VỀ CHẤT LƯỢNG TÍN DỤNG CỦA NGÂN HÀNG THƯƠNG MẠI 1.1. HOẠT ĐỘNG TÍN DỤNG CỦA NGÂN HÀNG THƯƠNG MẠI 1.1.1. 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ZTín dụng trực tiếp. HU0=$$0/<[ ZTín dụng cho doanh nghiệp, tổ chức tài chính khác vay. - Tín dụng cho nhà nước vay. ZTín dụng cho người tiêu dùng vay. t Chuyên đ BR/0:#0:35?$ !3CD .^#03CDS#uG.^#03CDPC$T'H^ ! 3CD505/% !!)!<50/%!>!.5 0:3]U]g !3CDYJ$/%: 'H^13$' 1.1.3. 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CHẤT LƯỢNG TÍN DỤNG CỦA NGÂN HÀNG THƯƠNG MẠI 1.2.1. Khái niệm chất lượng tín dụng 6 #$1/#$0#?W!F!G5E /12.C0'(E/400 C0L/1 #$51\#! <!'6  #$?s![6 #$#z`RJ$/%D3/5R5XCDz #zLCR%/)!/"</%3 /J $/%z< #$#z2#R.51\0AC/D s01Y4!>!.5XCDz'%"/"<L  #$3CD#5RE<!>!.1?105R)/ .:/J$/%5R]Y'(!h N/ #$3CD]U]g5R #$3CD3 5![ - (=/%: 6 #$3CD$I-5=: 0/<1#Y]! /_$#n.DN1!"#$! $!/q1?10!<*3CD' - (=/%:N[6 #$3CD$I /E%3CD1J$/%R#R.?1::/ 1?10$3/%!<*01/ #Y'(=/%:,L 3CD/%E/0/  01Y=  .L' Z(=/%63./%5R]Y[6 #$3CD $I/3CDD/D51]! /#!&0> 1F!<&2/#120 \<F!L3D/"!51]! 1F!<==F!42 I3CD/%2I' 1.2.2. Các chỉ tiêu đánh giá chất lượng tín dụng 6 #$3CD#W!P$13. :N/%5R<P.&?05E .:0F!L)/'63/L /"<$:<<!L1$ #$ 3CD'6 !W! #$3CDW!3 #$W!33' { Chuyên đ $%&%&%$%QJ*R+ 61:.0C/%:!: ?10/?YX]U:/&]U&!#3L: 50$ $>! =|0#+'!: 5N)#/.+?5&??}}/}= 'H^5 $=/ :'6?=35*50+#/.:D .:/A?#.?3CD1I #%%  #$3CD.:'! #$3CD0L**: 5!%'~<3.:v># #$ 3CD.:' $%&%&%&%>QJ*R: 1.2.2.2.1. Chỉ tiêu tổng dư nợ và kết cấu dư nợ HPC$#W!1=#$: 0 'HPC$?0)C$0/<*! C'HPC$ E,0.:<!g&1 2I12.:gL?&:/  'bACJ/"<&Q#W!<0L #$3CD 0?I/Ls5!4013CD+4.03CD: 1!'6W!PC$1F!<&3CD.: 5R!<3.:=/%C0'HPC$.:50 5/%>3CD.:?50?$C $.:#0< 'd !C$1uG.#0C$ 0PC$' i:3 !C$5:?$:>\<0 /<U0#0L0:=/%R#R.:'d !C$50/%  !!)!<50?.0.#0L0/<0#! ' 1.2.2.2.2. Chỉ tiêu tỷ lệ nợ quá hạn $F!#$5^=F!3CD&0 10/<&R$Q/D1$.L0: 'Hu#$F!#u#>24$F!/PC $. :NI #!=!= F!n!=2' Hu#$F! 8  ; •$F!€HPC$ • Chuyên đ ‚g/A?1 3CD#5R01C030#<!=F! G?"  ! #$3CD'd01/<&$1 Y&#nC03L5?!<5$ F!/%#Y5! 0N#Y5! ?L'HR>#%01 $F!#01$/ 12  /='/"<u#$F!0L:N A20C0/L5!<N /= 120/ 1#$!"E#u#$F!0 #$3CD 'bA 3]NW!<u#$F!# #0[ Hu#$F!12!)•12!)€$F! Hu#$F!&12!)•&12!)€$ F! pW!<0?$?0!>20P$F! 12!)?0!>2&12!)'B0/"<5X CDW!<0g3]N #$3CD' 1.2.2.2.3. Chỉ tiêu vòng quay vốn tín dụng (:<#W!$:N302 12PEF!1#n/=3CD/ #$3CD0/ E!>!.' +F!</=•B05=!$€H3CDB$?LF!: p5=<15=/+!!<./=3CD'+F!</=3 CD0E,!=/=/<:Y#!:!< /0!!_51]! /#!&0'%5=/=  C0/+F!</=3CD:YE$!>!/=0 C0A:/=D>!/0#Q/R '/"<5=<21LLF!1#n/=3CD=  #$3CD0' 1.2.2.2.4. Chỉ tiêu thu nhập từ hoạt động tín dụng d&013CD #$0&U# 01!"0:'!)!^03CD#!)!. <!:)/'j$!"C03CDU#E, 01/<&4!)$=+#Y1?10$0 .!)/=0/<' Oƒ

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