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U4\+2,h66,<JM+BX+FE+,4E<Or+,FL6‚2:46,[+,KP8+,+/,4S0AT<N+O[AUr2,<g2AI9J KL+/ˆƒ(4FgJ6c+6fVL6,7>;+/V1+/2CPAO4+,,PC2A+,CJDa+A6fU,N+?+/ 0,9+2[6,A2R+/,H0A>~63~22,L624\+F:2,-`+/I<JM+238<Ko4U4\+2,h66,<JM+BX+6]+/ +,-U4\+2,h6I^,;4>50,j6Fj2=2+,Y26,P6X+/F4S6678Bp+,( '('('4N40,10FE6X+/2162R6,h62,yB>*+,F:T<J23p+,2,yB>*+,( X+/2162R6,h62,yB>*+,6786,4+,1+,,P:+2P:+KP,|+/}0,j2316,( 4E<+:JFw86f-<>45B+,-+/6]+/U,X+/231+,U,•4,C+6,\(˜23M+>^>E6g0 >\+B;2-<>45B>fO:/4~0>1+,/41678>-H6U,16,T<8+,v+FpFw8>-H6 24\0I~6F.4KL1+23M+/4YJ2`OC4Fw86f>4E<U4S+6,h+/U4\+2,L62\2345+U,84KL 1+(<J+,4M+A>9J6]+/6,[+,O:B;2+,-H6>45B(=4F.4+,G+/6f0,yB 6,Y2>CP>h6+/,E+/,4S0U,X+/2=22,p>9JVWO:6v,;46,P,{Bf6+/Ps6F.4 U,16,,:+/+,dB6=–O:BV84OS6,U\2T<N>1+,/41KL1+>52-OH461+,9+(pFgJA 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U,N+?+/23N+H6,P+/9+,:+/(@4FgJA2,yB>*+,U,[86C+,2,*23-`+/6fF8423| ,\2Vh6T<8+23{+/>=4F.4KL1+>c<2-DY2>;+/VN+(6c+0,9+2[6,A>1+,/41 6<+/6c<2,*23-`+/@,4S+2C4F:KLD1P6<+/6c<2,*23-`+/23P+/2-v+/O84FEVN+ 0,yB678KL1+(56f>-H6+,G+/+/,4M+6h<6,[+,I162,p2,X+/24+6<+/6Y06,P T<123p+,+/,4M+6h<0,N42,g2>cJ>7F:6,[+,I16(/9+,:+/+M+10Kj+/616 0,-v+/0,10,4S+>C423P+/0,9+2[6,F:KLD1P6<+/Q6c<VN+0,yB(4S+6f+,4E< 0,-v+/0,10KLD1P6<+/Q6c<>^>-H6+/,4M+6h<F:10Kj+/23P+/2,L62\+,- 0,-v+/0,10+/PC4V<J2,=+/UMA0,-v+/0,10>*+,Bh6A0,-v+/0,10,SV=6P /4^+ˆ6f2,56?+6hF:PV=O-H+/F:6,Y2O-H+/2,X+/24+2,<2,g0>-H6B: OL86,{+0,-v+/0,102[+,6,P0,b,H0A,Ps6U\2,H0VqKj+/+,4E<0,-v+/0,10 +,dB2?+/2[+,6,[+,I166,PU\2T<NKLD1P( P,yB>*+,U,[86C+,Ur2,<g2n 9JO:B;2+;4K<+/U,f23P+/2,yB>*+,KL1+DY2>;+/VN+A+f>|4,•4 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T<N34M+/678KL1++,-+/U,X+/2,5D8PT<12,\22Y26N616U,[86C+,678KL1+(p FgJA/4N40,10@>9JO:6c+2[+,2P1+2,MB6166,Ž24M<U,16+,-2ŽV=OH4[6,%6,4 0,[‹A2ŽV<Y2OH4+,<g+F=+>c<2-‚,SV=,P:+F=+ƒ’’ˆ 52[+,2P1+6,[+,I166166,Ž24M<,4S<T<N2:46,[+,KL1+2,p6c+I16>*+, 6,[+,I162ŒV<Y26,4\2U,Y<(;2KL1+6f2,5>-H62:423HF=+2w+,4E<+/<o+U,16 +,8<A@+,G+/2,`4>45BU,16+,8<F:B—4+/<o+6fBh6O^4V<Y2U,16+,8<(P>fA 2ŒV<Y26,4\2U,Y<0,N40,N+1+,>-H66,40,[6v,;46782Y26N616+/<o+F=+>f( 4S++8J6f+,4E<0,-v+/0,102[+,2ŒV<Y26,4\2U,Y<U,16+,8<A61+D;2,yB>*+, +M+OL86,{+10Kj+/V8P6,P0,b,H0F.42w+/23-`+/,H06j2,5B:U,X+/+M+6,Ž VqKj+/O^4V<Y2+/9+,:+/O:BO^4V<Y26,4\2U,Y<+,-D9J/4`(\<>-H6A+/9+ ,:+/+M+10Kj+/Bh6O^4V<Y26,4\2U,Y<>-H6>4E<6,Ž+,2,iP616+?B>50,:+ 1+,616216>;+/678BX423-`+/2.4KL1++,-OCB0,12A23-H2/41ˆ P1+,/413743PKL1+n ’743PO:B;20,c+U,X+/2,52,4\<U,4>c<2-KL1+DY2>;+/VN+A>5>NBDNP KL1+,4S<T<N>iBOC4OH4+,<g+6,P6,7>c<2-6]+/+,-,P:+2,:+,+/,r8Fj23N +H6,P+/9+,:+/2,p23-.6,\20,N4>1+,/41>-H66163743PB:KL1+6f2,5/s0 0,N4>5>E38D4S+0,100,|+/231+,F:/4NB2,45<3743P( ,-v+/0,10>-H610Kj+/6,7J\<O:0,9+2[6,>;+,CJKL1+(<J+,4M+A6,4 +,1+,B.46,Ž24\+,:+,0,9+2[6,>;+,CJ6,P616KL1+6fT<JBX2R+/F=+>c< 2-O.+A2[+,6,Y2Ur2,<g20,h62C0B:2,-`+/D•T<8U,9<+:JF.4+,G+/KL1++,•( [Kj6j2,5>=4F.423-`+/,H02,yB>*+,KL1+>c<2-Y2>X2,*U,<'•<9+ Ž+,Qw4MB%:;4@23M+(@4FgJA23P+/2,`4/48+2.4A0,-v+/0,10+:J+M+ >-H610Kj+/234S2>5,v+F.46N+,G+/KL1++,•( /P:438A6f2,5VqKj+/0,-v+/0,100,9+2[6,U,16+,-0,-v+/0,10BX 0,•+/678P+2i83OP,8J0,9+2[6,KL1+23P+/23-`+/,H06f23-H2/41F:OCB 0,12( '('(Š4N40,10FE2,X+/24+0,j6Fj6X+/2162,yB>*+,( 5616U,PN+6,PF8J8+2P:+F:,4S<T<NA2,X+/24+0,N4>-H6+/9+,:+/U,84 2,162w+,4E<+/<o+U,16+,8<+,-n,oVv>E+/,*6Y02[+Kj+/A,oVvU,16,,:+/A 6166vT<8+6,h6+?+/6fO4M+T<8+‚6vT<8+2,<\A23<+/29B2,X+/24+2[+Kj+/678 /9+,:+/+,:+-.6(((ƒA23L624\00,•+/FY+U,16,,:+/A6g0+,g22,X+/24+23M+2,* 23-`+/(((+,dB0,j6FjU*02,`46,P616/484>PC+678T<423p+,2[+Kj+/(,-FgJA V8<U,4+,g+,oVv>E+/,*6Y02[+Kj+/A+/9+,:+/0,N424\+,:+,0,9+2[6,U,N +?+/,4S+2C4F:24EB2:+/678U,16,,:+/FEF4S6VqKj+/F=+2[+Kj+/6]+/+,- U,N+?+/,P:+23NF=+F8J+/9+,:+/2w+,G+/2,X+/24+6vDN++:J+,dB>-838 +,G+//4N40,100,|+/+/w8F:,C+6,\3743P(Y2+,4M+>56f>-H6+,G+/2,X+/ 24+6,[+,I16F:>cJ>7+/9+,:+/0,N4D4\2616,2CP382,X+/24+6,P34M+/Bp+,( 484>PC+0,9+2[6,2[+Kj+/O:/484>PC+T<8+23{+/AVP+//484>PC+T<J\2>*+,2[+ Kj+/OC4O:/484>PC+T<J\2>*+,+,Y2A,p+,2,:+,T<8+,S2[+Kj+//4G8+/9+,:+/ F:U,16,,:+/2,5,4S+Dd+/,H0>o+/2[+Kj+/(9J6]+/O:6vV@>5616+,9+F4M+ F:+,:T<N+23*+/9+,:+/2345+U,846162,8P216+/,4S0Fj/4N4+/9+6,PU,16, ,:+/A24\+,:+,/41BV12F:2,8+,O–2[+Kj+/(,X+/24+6,[+,I16AT<J\2>*+,2[+ Kj+/,H0O–6,_66,_+U,N+?+/T<8JFE678F=+2[+Kj+/68PAF=+2[+Kj+/>-H6 ,P:+23N>~+/,C+A/f00,c++9+/68P6,Y2O-H+/,PC2>;+/2[+Kj+/F:,PC2>;+/ +/9+,:+/( Biện pháp đem lại hiệu quả nhất là cần phải đa dạng hoá các nguồn cung cấp thông tin: Q,X+/24+2w,oVvU,16,,:+/6<+/6Y0n9JO:D-.624\06g+D8+>c<F.4 KP8+,+/,4S0F:KL1+F8JF=++M+6c+0,N4IiBIa2UrO-•+/(/9+,:+/0,N46f +,G+/,-.+/K•+6j2,5A6,424\2+/8J2w>c<FEOPC4,oVvF:/4YJ2`B:U,16, ,:+/6c+6<+/6Y0>5231+,23-`+/,H0U,16,,:+/6,<y+D*2,4\</4YJ2`6c+2,4\2 F:+/9+,:+/0,N4JM<6c<DRV<+/A+,-FgJVW3Y2BY22,`4/48+F:6X+/>4OC4( Q,X+/24+2w24\0I~623L624\0F.4U,16,,:+/nOPC42,X+/24++:J>-H6U,842,16 U,4U,16,,:+/>\++/9+,:+/O:B2,72j6I4+F8JF=+AVW23L624\00,•+/ FY+238P>R42,X+/24+F.4U,16,,:+/(f+,G+/2,X+/24+FEU,16,,:+/F:KL1+ B:6,7>c<2-U,X+/23L624\0>E6g02.423P+/,oVvB:>56f>-H62,p6c+>\+VL U,aPOaP678‚F[Kj+,-2,X+/24+FET<8+,S23P+//48>p+,U,16,,:+/A 2,X+/24+FE616U,fU,?+B:U,16,,:+/6f2,5/s00,N4ˆƒ(,X+/T<824\0I~6 23L624\0F.4U,16,,:+/A+,`VLT<8+V12+,CJDa+B:6f2,5+,g+>*+,A >1+,/41>-H6Bh6>;23<+/2,L6678U,16,,:+/(/<o+2,X+/24++:J3Y2T<8+ 23{+/>5>1+,/412-616,678U,16,,:+/F8JF=+(<J+,4M+A>5U,842,162=2 +/<o+2,X+/24++:J2,p0,N4O:+/-`46f+,4E<U4+,+/,4SB23P+//48P24\0 h+/Iq6]+/+,-FEBs229BO[(pFgJA6c+IiBIa2F:D=23[24\0I~6U,16, ,:+/6,P,H0O[A6,{++/-`46fU4+,+/,4SB0,b,H0F:U,N+?+/IqO[2p+,,<=+/ +,CJDa+( Q,X+/24+2w6vT<8+T<N+O[,:+-.6n ;2+/<o+T<8+23{+/B:+/9+,:+/6f2,5U,842,162,X+/24+O:2w3<+/29B 2,X+/24+2[+Kj+/678/9+,:+/,:+-.6‚ƒ(,X+/T<8>9J+/9+,:+/6f2,5 2pB,45<FE245<Vq2[+Kj+/678U,16,,:+/B;2616,6f,S2,=+/+\<U,16,,:+/ >^2w+/6fT<8+,S2[+Kj+/F.4616+/9+,:+/23-.6>9J(™<8>9J6f2,5U45B 6,h+/OC42[+,I162,L6678+,G+/2,X+/24+B:U,16,,:+/6<+/6Y0(o+/2,`4F.4 U,842,162,X+/24+O:6<+/6Y02,X+/24+F:PU,PO-<23G+:J678/9+,:+/,: +-.6>50,j6Fj6,P6X+/F4S62386h<FEV8<( M+6C+,>fA+/9+,:+/6c+2,-`+/I<JM+6g0+,g224+2h6FE6166v6,\6,[+,V16, FET<N+O[2[+Kj+/+f46,<+/F:FEOr+,FL6DY2>;+/VN++f434M+/(162,X+/24+ +:J6f2,5U,842,162w+,4E<+/<o++,-616UM+,2,X+/24+34M+/678;A+/:+,O4M+ T<8+A23M+D1PA>:4A2C06,[A4+2i3+i2ˆ s2U,16A2,X+/24+2w616>=4216678U,16,,:+/A616+,:6<+/6Y0ADC+,:+/ˆ 6]+/6f/4123*3Y2O.+( 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F4S6F:6=+/,4\+6,P+/9+,:+/( '('(•4N40,10U,16( c<2-,4S+>C4,P16X+/+/,SA238+/2,4\2D*0,j6Fj6X+/2162,yB>*+,( 4S++8JA6X+/+/,S2,X+/24++/:J6:+/,4S+>C4A+/9+,:+/+M+h+/Kj+/+,4E< ,v++G86X+/+/,S+:JF:P,PC2>;+/678Bp+,+,dB2?+/,4S<T<N,PC2>;+/([ KjA+M+B<8DN+T<JE+,Ps62,<M6,<JM+/48Og023p+,+,G+/0,c+BEBh+/Kj+/ F:P0,9+2[+,2:46,[+,KL1+A0,9+2[6,U,N+?+/2:46,[+,678U,16,,:+/A+,G+/ [...]... vực bất động sản tại Ngân hàng thương mại cổ phẩn nhà Hà Nội – chi nhánh Vạn Phúc" Trong chuyên đề, em đã tìm hiểu về công tác tổ chức thẩm định, quy trình, phương pháp và nội dung thẩm định đối với dự án bất động sản mà chi nhánh sử dụng Đồng thời nghiên cứu và đánh giá việc chi nhánh áp dụng các yếu tố trên để thẩm định một dự án cụ thể là dự án "Đất đô thị khu C2 Xuân Đỉnh - Từ Liêm – Hà Nội" Qua đó... chủ yếu của ngân hàng thương mại Để chất lượng tín dụng cao và an toàn, việc cần làm là phải hoàn thiện công tác thẩm định tín dụng bởi vì thẩm định là cốt lõi của quy trình tín dụng, tiến hành thẩm định sẽ giúp ngân hàng sàng lọc được những dự án khả thi và không khả thi để từ đó ra quyết định cho vay hay không Đối với dự án đầu tư lĩnh vực bất động sản, yêu cầu đặt ra cho công tác thẩm định càng phải... những kết quả đạt được, những hạn chế còn tồn tại và đề xuất một số giải pháp nhằm hoàn thiện công tác thẩm định dự án đầu tư lĩnh vực bất động sản tại chi nhánh Habubank Vạn Phúc Tuy nhiên, do kinh nghiệm thực tế còn hạn chế nên những nhận định, đánh giá và các giải pháp đưa ra không tránh khỏi cách nhìn chủ quan Em rất mong nhận được sự góp ý để hoàn thiện hơn đề tài nghiên cứu của mình ... là một lĩnh vực tiềm ẩn nhiều rủi ro, nhiều yếu tố khó lường, nhất là đối với Việt Nam, một thị trường bất động sản được nhận định là biến động thất thường, thiếu tính bền vững và ổn định Qua quá trình học tập tại trường và thực tập tại Phòng Phát triển kinh doanh chi nhánh Habubank Vạn Phúc, em đã hoàn thành chuyên để tốt nghiệp về đề tài: "Hoàn thiện công tác thẩm định dự án đầu tư lĩnh vực bất động. .. chức tín dụng, hoàn thiện các quy định về các nghiệp vụ và dịch vụ ngân hàng mới (quản lý tài sản tài chính, quản lý danh mục đầu tư, các dịch vụ ủy thác, dịch vụ ngân hàng điện tử, dịch vụ thanh toán và bù trừ tài sản tài chính, cung cấp và xử lý thông tin tài chính, tư vấn về đầu tư và danh mục đầu tư, về mua lại và tái cơ cấu DN ) Thứ hai, hoàn thiện hệ thống công cụ quản lí Nhà nước nhằm điều tiết... quy định đến các ngân hàng nói riêng và dân cư nói chung Bên cạnh đó, tăng cường kiểm tra, xử lý thích đáng những tổ chức tín dụng không báo cáo thông tin theo đúng qui định, báo cáo không đầy đủ, không kịp thời và thiếu chính xác cho Trung tâm thông tin tín dụng của Ngân hàng Nhà nước 2.3.2 Kiến nghị với Ngân hàng Nhà nước - NHNN cần nâng cao năng lực về điều hành chính sách tiền tệ: Tiếp tục hoàn thiện. . .phần mềm để lưu trữ thông tin, dữ liệu khách hàng và dự án phục vụ công tác thẩm định về sau…Cần ứng dụng những công nghệ hiện đại giúp giảm bớt gánh nặng cho CBTD, giảm áp lực công việc sẽ tăng hiệu quả và chất lượng cho công tác thẩm định Trang bị cho CBTD những điều kiện làm việc cần thiết ngoài máy vi tính nối mạng tại văn phòng nên trang bị thêm máy in, máy Fax, máy photocopy với số lượng... Tuy nhiên, các chi phí này đều phải chi một cách hợp lí và có đầy đủ hoá đơn để phòng kế toán có cơ sở chi trả Tăng cường công tác kiểm tra tín dụng với khách hàng Việc quản lí trước, trong và sau khi giải ngân khoản vay đều quan trọng như nhau Các ngân hàng thường nới lỏng quản lí tín dụng sau khi đã giải ngân khoản vay nên thường dẫn đến tình trạng khách hàng sau khi được vay vốn lại không sử... sách định kì hoặc đột xuất để nâng cao tinh thần trách nhiệm cho CBTD Có những buổi họp thường kì, đánh giá hoạt động của từng phòng ban bộ phận cũng như từng cá nhân Theo dõi sát sao, nắm vững tình hình hoạt động cũng như năng suất, hiệu quả làm việc của từng cá nhân và bộ phận 2.3 Một số kiến nghị 2.3.1 Kiến nghị với cơ quan quản lí Nhà nước Trước hết là, hoàn thiện hệ thống pháp luật ngân hàng: ... liên lạc với cơ quan khi cần như điện thoại di động, máy nhắn tin… Tăng kinh phí cho công tác thẩm định Giá cả ngày càng tăng do ảnh hưởng của lạm phát và khủng hoảng kinh tế Vì vậy, ngân hàng nên điều chỉnh tăng công tác phí cho CBTD theo giá thị trường để đáp ứng tốt nhất cho điều kiện công tác Tăng tiền ăn trưa, tiền sinh hoạt phí khi đi công tác, tiền xăng xe, tiền điện thoại và những chi . +,1+,8D<D8+UC+,~6AiB>^,P:+2,:+,6,<JM+>52=2+/,4S0FE>E2:4n " ;Hoàn thiện công tác thẩm định dự án đầu tư lĩnh vực bất động sản tại Ngân hàng thương mại cổ phẩn nhà Hà Nội – chi nhánh Vạn Phúc"(3P+/6,<JM+>EA. 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