VIETBANK
WOW HANG Viti NAM TilliCING TIN
Ma s6: BM-BB BTDHS.01
BIEN BAN HOP BAN TIN DOG
. HUY TAM
V/v: afp tin dung (cip mai) do7 v6i khach hang CONG TY TNHH DAU TU
- Vietbank Tan Chlnh
S6: 44 4 /BB-BTDHS.17
•
i no wan, u!ia umil, va L.,..n, F, ...... ......... -, - - , _ _ , ,
Thoi gian: Ngay 22/03/2017
Dia digm Phong hop lau 7, Vietbank, 62A CMT8, P.6, Q.3, Tp. HCM
Thanh phan ban tin dyng
Trutng Ban (Chu toa) BA Nguyen Ngoc Qua Chi Pho T6ng Giam D6c
Thanh vien Ban BA Nguyen Thi Nam Phu'dng Pho Giam D6c Kh6i DN
Thanh vien Ban Ong Nguyen Can Truting Giam D6c TDDN
Thu' ky Ong Nguyen Hoang To?' Ph6 GD TDCN kiem TDDN
II. Nc)i dung hop
1/ ThOng tin ve khach hang
Ten khach hang CONG TY TNHH DAU TU HUY TAM
Giay DKKD 4000942576, ngay cap: 15/11/2013, co quan cap Si KH va DT T.Quang Nam
Dia chi kinh doanh Lo B2-10 khu dan cu' Phu'ang Cam Ph& Hei An
Nganh nghe chinh Dich vu lull tru ng5n ngay, nha hang, van tai hanh khach.
2/ Tai lieu lien quan
To trinh cap tin dung cua Vietbank Tan Chinh ngay 14/03/2017.
3/ Nc)i dung phan quyat cap tin dyng
3.1. Phan quyat cap tin dyng
Can Cu' quyet dinh s6 683/QD-HDQT.16 cCia Hei dOng quan tri ngay 15 thang 11 nam 2016 ye
viec ban hanh quy dinh tham quyen phan quyat cap tin dyng; Quyet dinh s6 821/2016/QD-
TGD cua T6ng giam d6c ngay 26 thang 11 nam 2016 ve viec phan cap tham quyen phan
quyet cap tin dung; va Quygt dinh s6 712/2016/QD - TGD caa Tang Giam Doc ngay
18/11/2016 ye viec thanh lap Ban Tin Dung va Ban tin dung Hei s& guy& dinh:
DOng y cap tin dung cho khach hang co thong tin neu tai digm 1 muc II viii cac not dung
va dray kien du'oc neu tai dram 3.2 dutii day.
❑ ch6i cap tin dung cho khach hang co thong tin neu tai diem 1 muc II vi chu'a dap Cmg
cac dieu kien theo quy dinh cOa Vietbank.
Page 1/3
VIETBANK
Nati HANG VII' NAN Till/ONG TIN
Ma s6: BM-BB BTDHS.01
3.2. Nal dung phan quyat cap tin dung
3.2.1. T6ng meic cap tin dun
. _
T6ng MCfC cap tin dung cho KH CONG TY TNHH DAU T1.1 HUY TAM
(bao Om s6 du' cac khan tin
dung de cap): 1.161 MO VND. Trong do:
Milo tai da 1
Loai hinh Nt)i dung
(trieu VND)
Cap tin dung 15n nay
S6 tien 1.161 BAng chli: Mat tjt mat tram sau mtroi mot trieu &Ong.
Han tien mua xe 6 to Mercedes - Benz, mau den, s6 may
Muc Bich 492030385378, s6 khung 3GX8FV003523, s6 loaf E250, clang
kcilan dau ngay 27/06/2015.
Thai han vay 60 thang
Phuttng thot giai Chuygn khan 100% vac) TK cua ben cho mtion Wan (ba Pham
ngan La Ny) tai VB.
Tra g6c: Tra nu hang thang.
Phu'ong thik tra nd
Tra lai: Hang thang theo du' nd thy'c to'.
Tai san dam bao: Chi tit nhu' myc 3.2.2
Tham qui& oho
Ban Tin Dung
duy8t:
3.2.2 Tai san dam bdo (06i v6i toan bb nghia vy hiOn hclu va In nay)
T T8n tai san bao dam
Tr! gia (trd) Milt cap TD (trd) Ty le (%)
T (TS hinh thanh tCt v6n vay)
01 xe 6 to Mercedes - Benz, mau den, s6 may
1 1.936
492030385378, s6 khung 3GX8FV003523, s6 100 1.161 60%
E250, clang kjr fan dau ngay 27/06/2015.
Tiing cang 1.936 1.161 60%
in dun
Tn.toc khi - Han tat thii tuc dam bao tien vay theo qui dinh cua Vietbank.
giai ngan - KH mua bao higm vat chat xe cd gidi cho TSDB vai gia tri bang t6i thigu 100% gia tri xe
ho5c 110% gia tri khan vay theo quy dinh. KH cam kat bAng van ban mua bao hiam vai
gia tri theo quy dinh trong sugt thdi han vay, vai ngu'di thy hu'ang deu ben va duy nhat IA
Vietbank.
- B6 sung chieng Et' thanh tan phen v6n ty' co cua KH cho ben ban.
- DVKD co trach nhiem kigm tra va danh gia hieu qua, phu'dng an vay v6n len nay cua KH.
Khi giai - GCN clang ky xe o to mua ran nay a sang ten cong ty TNHH DT Huy Tem.
ngan
Sau khi - Vietbank giCt ban chinh giay clang kjr xe va cap pho ban t6i da 06 thang/Ian.
giai ngan - Dinh kjr 06 thang/ ran, DVKD 66 trach nhiem kigm tra hien trang TSDB.
Page 2/3
VIETBANK
NGAN HANG VICT NAM THUCING TIN
Ma BM-BB BTDHS.01
- Dinh ky 03 thang/ ran, DVKD ki6m tra tinh hinh kinh doanh, CIC cua KH va nhom KH
lien quan. Neu syt giarn nguen thu/ phat sinh no qua han thi ce bien phap xii ly kip thei va
trinh cap oho duyet.
Dieu kien - Cac not dung con lai: TTKD thyt hien theo quy dinh hien hanh con hieu lyt cua VB va
khac phap luat.
3.2.4. Tgng mitc cgp tin dyng cua khach hang va nhgm KHLQ tai Vietbank (kg ca ran nay)
Tgng mitc Sg du' Tai san Phe
Khach hang cap clan 16/03/2017 bao dam duyet
tin dyng (trd) (trd) (trd) tham chigu
NhOrn KHLQ:
1
La Ng9c Huy
Khoan vay mon 5.600 5.569 6.526 Phe duyet thang 12/2016
2 CT Huy Team
Khan vay mon 1.161 0 1.936 Phe duyet Ian nay
Tgng cang 6.761 5.569 8.462
Bien ban du'oc lap thanh 01 ban: lu'u tai T6 Thu' ky - Phong Tin Dung Doanh Nghiep
`"( kin cua cac thanh vien tham du' cuec hop d6i vbi toan bo not dung du'ac ney tai diem 3 myc II
Bien ban nay:
Cht) t9a: Nguygn Ng9c Qua Chi (11Deng y 0 Tit ch6i
Thanh vien: Nguygn Thi Nam Phu'dng Deng Y 0 TO' chi
—.tom
Thanh vien: Nguygn Can Tru'Ong Deng Y 0 TO' chi
...-__ ./
Thu' ky: Nguygn Hoang Toai
II
Page 3/3
'Wm VIETBANK
• VPNGAN HANG NAM TN llaN6 TIN
Ma s6: BM-TTD.04
Phong Tin Dung Doanh Nghiap
BCTD S6: 1141. A / - , 44,
Tp.HCM, ngay 18 thang 03 narn 2017
BAO CAO TAI THAM DINH
V/v (16 xuat cep tin dung (Cap mat) cloi voi CONG TY TNHH DAU TU HUY TAM
- Vietbank Tan Chinn
Kinh girl: Ban Tin Dung
1. Tinh hinh quan he vOi cac t6 chitc tin dung
Tai Vietbank: Theo TCBS VB ngay 16/03/2017.
- COng ty TNHH frau Ti! Huy Tam: Khach hang mai
- Nh6m KHLQ
Ten KHLQ Du' nd M61 quan he Ghi ch6
A.
(trd)
Le Ng9c 5.569 TV gop von 60% - Du' no dai han c10 tieu chugn. Muc dich vay: thanh toan
Huy - GD CT Huy tien mua BDS tai TDS 279, TBD 32, KDC kh6i 2-3, P.Cam
Tam Pho, Tp. H6i An; th6i gian vay 180 thang.
Tai cac TCTD khac: Theo CIC ngay 14/03/2017 va don vi xac minh:
B.
- C6ng ty TNHH D'au Tu' Huy ram:
T Du' nd
Tan TCTD TSBD Ghi chi'
T (trd)
- Xe 6 to BKS: 92A-057.38 - DU no trung han d0 tieu chugn: 608
NH MB - CN -BDS tai thO'a 295, TBD 32, P. Cgm trd.
1 12.490
Quang Nam Pho, H6i An. - Du' n9 dai han du tieu chuan: 11.882
T6ng gia tri: 20.932 trd. trd
NH Sai Gan
-Xe Toyota Innova,
2 Ha Not - CN 557 - Du' no dai han 00 tieu chugn: 557 trd.
BKS: 92A-064.76. Gia tri 758 trd
Quang Nam
- NhOm KHLQ:
Du nci
Ten KHLQ M6i quan he Ghi ch6
(trd)
- Du' n9 ng5n trung han du tieu chugn
tai Eximbank- CN Quang Nam: 2.533.
CT TNHH DT Ong Le Ngoc Huy - TV g6p van
1 102.470 trd.
KS Toan Cau 15% - GD cong ty Toan Cau
- Du' no trung dai han du tieu chugn tai
MB - CN Quang Nam: 99.937 trd.
CV.TTa LOP.TDDN.
Trang: 1/7
VIETBANK
NGAN HANG VIE T NAM TNLAING TIN
Ma s6: BM-TTD.04
Ong Le Ngoc - Co 01 The TD vdi HM 40 trd tai MB —
2 0 GOp von 60%
Huy CN Quang Nam.
- Du no ng5n va dai han du Weil chugn
tai Vietinbank — CN Thi xa H6i An:
Ba Pham La Gap van 40% - vo Ong Le Ngoc 3.910 trd.
3 8.410
Ny Huy - Du' no ng5n han du tieu chugn tai NH
Sai G6n Ha Nai — CN Quang Nam:
4.500 trd.
Tang du' n9 cua KH va nhorn KHLQ: 129.496 trd
Nhan Mt:
- COng ty Huy Tam: kh6ng c6 th6ng tin the TD tai cac TCTD, kh6ng co du' no da ban cho VAMC, kh6ng co no
xgu trong 05 nam gan nhgt, khong bi cham thanh toan The TD trong 03 Warn On nhgt, kh6ng co no can chO jr
trong 12 thang gan nhgt.
- Nhorn KHLQ: kh6ng co du' no da ban cho VAMC, khong co no xgu trong 05 nam gan nhgt, kh6ng bi cham
thanh toan The TD trong 03 nam gan nhgt, khong co no can chil y trong 12 thang gan nhgt.
2. Hoat Ong kinh doanh va tinh hinh tai chinh cua khach hang
2.1. Hoat dOng kinh doanh:
1. Thong tin doanh nghi0p vay v6n
Ten doanh nghiep CONG TY TNHH DAU TU HUY TAM
4000942576 Ngay cap 15/11/2013, CC quan cap Sa ka hoach va dau tu' tinh
Gigy CNDKKD
Quang Nam
Dia chi giao dich L6 B2-10 khu dan cif Phuting Cgm Pho, Hai An
Nganh kinh doanh chinh Dich vu lu'u tru ng5n ngay, nha hang, van tai hanh khach.
Van diau le 12.000.000.000 di5ng
2 Thong tin ve nguti dai diOn vay v6n cua doanh nghi0p tai Vietbank
Ho va ten Le Ngoc Huy Nam sinh: 1979
S6 CMND 205602837 Ngay cap: 05/08/2008 Nci cap: CA tinh Quang Nam
H0 khu thu'dng tru 2/2 Le Loi, Minh An, H6i An, Quang Nam
Kinh nghiem 10 nam quart ljt trong nganh kinh doanh du lich 10' hanh va quan iji nha hang,
khach san.
3. C9 cgu vgn gop v6n va quan h0 tin dung vai Vietbank
Mgi quan h0 gift cac thanh Tif10 gop
TT Ho va ten Du no tai Vietbank
vien Op vgn v6n
1 Pham La Ny Vc/ giarn d6c 40%
CV.TTD• LDP.TDDN•
Trang: 2/7
VIETBANK
NGAN HANG VI CT NAM THIf CMG TIN
Ma sti: BM-TTD.04
- S6 lucing nhan vien: 06 Ngu'ai
- Dau vao: Dau vao chu yeu la thu'c pharn phuc vu nha hang va nguyen vat lieu cung cap trong viec.don
dep bung phong nhu' Cong ty TNHH Viet Hu'ung Minh chuy6n cung cap c6ng cu, dung cu kinh doanh
khach san, c6ng ty TNHH Metro Viet Nam....). Phu'ung thifc thanh toan: chuyen khoan/ tien mat.
- Dau ra: Du khach dat phong try'c WO qua mang Agoda hoac cac Cty ID' hanh nhu': Cling ty TNHH Du
lich HIS S6ng Han Viet Nam, Cong ty TNHH Nguyen Khang, Ruesd'Asie Travel, Vinabig Travel,... DOng
thai khai thac them Iu'ang khach 10, khach yang lai. Trong do ty le thanh thoan qua POS chigm 80%, TM
chigm 20%. Phu'ung thut thanh toan: chuygn khoan/ tien mat.
2.2. Tinh hinh tai chinh:
- Bao cao tai chinh: mi:fc d6 tin cay cua s6 lieu trung binh.
- Tinh hinh tai chinh cap nhat gan nhat: Bao cao not b6 nam 2015, 2016 va VATqujt 1+11+111+IV narn
2016.
KgT QUA KINH DOANH
T
Khoan muc Dvt Nam 2015 Nam 2016 Tang/ Giarn
T
1 Doanh thu thuan Trd
60 6.9/12 6.882
2 Gia von hang ban Trd 15 1.736 1.721
3 Lcii nhuan g6p Trd 45 5.207 5.162
4 T6ng 10 nhuan tru'eic thud Trd 40 3.329 3.289
5 LNTT/DTT % 66,7 47,96 -18,74
TINH HINH TAI CHINH
T Khoan myc
Dvt Nam 2015 Nam 2016 Tang/ Gam
T
1 Tong tai san Trd 25.113 28.689 3.576
2 Tai san ng6n han Trd 3.306 7.131 3.825
- Phai thu khach hang Trd - - -
- Tra trutec cho nguffi ban Trd - - -
- Hang ton kho Trd 45,4 21,7 -23,7
3 Tai san dai han Trd 21.807 21.558 1 -0.249
4 Nq phai tra Trd 13.081 14.991 1.910
- Arq ngd n han Trd 12.181 1.787 -10.394
- Ng' dai han Trd 900 13.204 12.304
5 V6n chu sei hitu Trd 12.032 13.698 1.666
6 Chi 56 thanh toan hidn thai Ian 0,27 3,99 3,72
7 Chi s6 thanh Wan nhanh Ian 0,27 3,98 3,71
CV.TTE). LDP.TDDN•
Trang: 3/7
VIETIBANK
NCAN HANG V10' NAM THYMIC TIN
Ma s6: BM-TTD.04
He s6 na 52,09 52,25 0,16
Chenh lech NV — SDV TDH Trd -9.775 -7.860 1.915
Nhan mat: Tinh hinh tai chinh, kinh doanh cCia KH do don vi xac minh cung cap va phan tich, chi tint tai
td trinh cap tin dung VB Tan Chinh ngay 14/03/2017, P.TDDN chi nhan xet mat s6 digm clang ch0 Y:
- Doanh thu theo bao cao not b0 (dat 6.942 trd) so vdi bao cao VAT nam 2016 (dat 3.131 trd) c6 chenh
lech tuting d6i Ian gap 2.2 ran -> Theo don vi tham dinh: do nganh ngha kinh doanh dac thu ye du lich,
!Lib tru ng5n nay, cong ty chi xuat hOa don dau ra d6i vbi KH theo elan, d61 vbi KH ca nhan lu'u trY
thuting khong xuat h6a don. D'ong thdi, DVKD cung cap rat it h6a don dau ra (cu thg thang 11/2016:
19,46 trd, thang 12/2016: 10,8 trd) va sao ke chuygn khan tai Eximbank, VCB, Vietinbank thang
11+12/2016 (kh6ng c6 xac nhan cua ngan hang) --> Don vi chiu trach nhiem xac minh, d6i chigu dam
bdo s6 lieu the hien tren td trinh la phO hOp vdi host Ong kinh doanh thy'c tg cua KH.
- Nam 2016 doanh thu dat 6.942 trd (tang 6.882 trd), no dai han 13.204 trd (tang 12.304 trd) so vdi nam
2015. —> Don vi giai trinh nguyen nhan: do cong ty thanh lap vao thang 11/2013, nhu'ng dgn cu6i nam
2015 thi biet thy' Am Cung xay dung hoan tat va du'a vao hoat d6ng, nam 2016 mdi phat sinh doanh thu
thuting xuyen va tang no dai han cho muc dich xay dyng brat thu' nay -> NguOn thu nhap chinh hien tai
cCia cong ty.
- Cac chi so tai chinh nam 2016 lanh manh, cong ty khong bi mat can d6i v6n.
3. Nhu cau v6n ran nay:
a. Nhu cau
Hinh that cap tin dung Di6n gidi
S6 tien 1.400 trd
Myc dich SU dung Han hen mua xe 6 to Mercedes — Benz, bin s6 51F-207.71, mau den,
s6 may 492030385378, s6 khung 3GX8FV003523, s6 la' E250, dang
Cap ky ran dau ngay 27/06/2015, quang during da di 7.562 km.
TD Thdi han vay 60 thdng
Phu'ong thitc giai Chuygn khan 100% vac TK cua ben cho moan tin (ba Pham La Ny)
ngan tai VB.
Phu'ong thud tra no Tra g6c: Tra &au hang thang.
Tra lai: Hang thang theo du no thy'c tg.
Nhan xet: Theo to trinh cap tin dung cua VB Tan Chinh ngay 14/03/2017 va thong tin DVKD cung cap:
- Myc dich: mua xe ran nay dg di lai -> Nhu cau vay v6n cua KH phili hdp 00 s6 451/2016/QD-SPDN
ngay 14/12/2016 V/v: Ban hanh san pham cho vay mua xe 0 to danh cho KHDN.
- Vo ch6ng 6ng Le Ngoc Huy - ba Pham La Ny co thu nhap tii luting, cho thus nha, dra hang ban di
d6ng va phy kien "Tam mobile" vdi t6ng nguOn thu hang thang trung binh la 232 trd. -> Theo ddnh gid
ten bdo cao tai thgm dinh cue P.TDCN s6 203/BCT/KTD-TDCN.16 ngay 05/12/2016 va VB Tan
Chinh xac nhdn nguOn thu ca nhan cue va chOng Ong Huy du c16 tra cho t6ng du' no ca nhan hien tai
13.979 trd + cac khoan chi phi hang thdng.
CV.TTE). LDP.TDDN.
Trang: 4/7
VIETBANK
NGAN HANG VICT NAM THONG TIN
Ma s6: BM-TTD.04
- Ngubn thu dm cong ty Huy ram chi cliing tra g6c va 15i cho du' nq hidn tai cOa cong ty + khoan vay
Ian nay 1.400 trd. Chi tilt bang can d6i ngusOn tra nO: (DVT: trd)
Chi tieu Nam 1 Nam 2 Nam 3 Nam 4 Nam 5 Dik giai
Ngudn tra ncr (I) 3,050 3,050 3,050 3,050 3,050
Loi nhuan sau thud tit Gia dinh LNST cti
HDKD hidn tai 2,663 2,663 2,663 2,663 2,663 Binh hang nam
Kh5u hao TS mai 387 387 387 387 387 Khgu hao xe 05 nam
Nghia vu tra nci (II) 1098 1064.4 1030.8 997.2 963.6
- G6c khoan CO DH Theo DV cung cap
13.000 trd 650 650 650 650 650 khoan vay DH 20 nam
- G6c khoan mai 1.400 Thai gian vay de xuat
trd 280 280 280 280 280 05 nam
-Lai khoan vay mai Gia Binh LS 12%
1.400 trd. 168 134.4 100.8 67.2 33.6
Can ddi (I-II) 1,952 1,986 2,019 2,053 2,086
=> KH du kha nang tra nd cho khoan vay I5n nay.
b. Tai san bAo dam
T Ten tai san bac, dam Tri gia MO'c cap T9 I0 DVKD de Ty Id then quy
T (TS hinh thanh tit von vay) (trd) TD (trd) xuat (%) dinh VB (%)
01 xe 0 to Mercedes — Benz, bin s6 51F-207.71,
mau den, s6 may 492030385378, s6 khung
1 1.936 1.400 72,3% 60%
3GX8FV003523, s6 loaf E250, dang kjt ran nu
ngay 27/06/2015, quang du'ang da di 7.562 km.
T6ng cong 1.936 1.400 72,3% 60%
NhOn xet:
- Tjt10 cap tin dyng/gia tri TSBD la 72,3%. -> TY16 cho vay ngoai 16 theo quy dinh tai VB.
-> Kinh trinh BTD xem x6t.
4. Hieu qua cua ngan hang trong giao dich vai cho khach hang (DVT: tridu &Ong)
TT Thu nhOp khach hang mang lai Hang thang Hang nam
1 Tif cho vay 2,3 27,6
2 Ttle tidn VA 1 12
3 TO' dich vu 0,5 6
4 T6ng cong (1 + 2+ 3) 3,8 45,6
5 Ty Id % giila thu nhap khach hang mang lai cho Vietbank 0,27% 3,26%
(4)/Du' na binh quan
CV.TTD• LDP.TDDN•
Trang: 5/7
is I VIETvittBAK N
NAArnitioNGTIN
NGAN H ANG
Ma s6: BM-TTD.04
5. Tinh hinh tuan th6 cac drou kian pha duvet tin dung: Kh mai
6. Nhan xet:
- Cong ty Huy ram va nhom KHLQ: lick sutra no binh thu'ang.
- Ty le cho vay Ian nay/ gia tri TSDB: 72,3% -> Ty le cho vay ngoai le theo quy dinh tai VB.
- Viec phan tich, danh gia tinh hinh tai chinh, kinh doanh cua KH chu yeti dy'a vao BCTC do KH cung
cap, chu'a du'dc kiam toan. VB Tan Chinh chiu trach nhiem xac minh, doi chiau dam bao s6 lieu the
hien Iran to trinh la phu hap vai host deng kinh doanh thy'c cua KH.
-> Kinh trinh Ban Tin Dyng xem xet.
7. DO xugt
Ph6ng tin dung doanh nghiep Kinh trinh Ban Tin Dyng thuan duyet a xugt cap tin dung cua Vietbank Tan
Chinh d6i vai C6ng ty TNHH DT Huy Ttrn nhu' sau:
S6 tien 1.400 trd
Myc Bich st:f Hoar) tien mua xe 6 to Mercedes - Benz, bin so 51F-207.71, mau den, s6 may
dyng 492030385378, s6 khung 3GX8FV003523, so lc* E250, Bang ky Ian dau ngay
27/06/2015, quang duting da di 7.562 km.
Thai han vay 60 thang
Phu'dng thiic Chuyen khaki 100% vao TK cua ben cho mu'an tien (ba Pham La Ny) tai VB.
giai ngan
Cap TD Phtiong thCic Tra g6c: Tra deu hang thang.
tra nd Tra lai: Hang thang theo du' nO thy'c Ca.
Tai san dam T Tan tai san bdo dam Tri gia MO'c cap TS/ la cgp
bao T (TS hinh thanh to von vay) (trd) TD (trd) TD (%)
Xe 6 to Mercedes - Benz, bin s6 51F-207.71,
mau den, s6 may 492030385378, s6 khung
1 1.936 1.400 72,3%
3GX8FV003523, s6 loci E250, Clang hi Ian dau
ngay 27/06/2015, quang du'ang da di 7.562 km.
T6ng cung 1.936 1.400 72,3%
Nang tong milt cap tin dyng teii da d6i vai KH va nhOm KHLQ: 6.969 trd.
Tran cd s6 Vietbank Tan Chinh tht.fc hian du'dc va dty du cac you ck sau:
Trude gidi ngan:
- Hoan tat thi:i tuc dam bao tien vay theo qui dinh cua Vietbank.
- KH mua bao hiem vat chat xe cd giai cho TSDB vai gia tri b5ng teii thieu 100% gia tri xe hoac 110% gia tri
khoan vay theo quy dinh. KH cam kat bAng van ban mua bao him veil gia tri theo quy dinh trong sueit thai
han vay, vai nguai thy hu'ang dau lien va duy nhat la Vietbank.
- B6 sung chUng to thanh loan phan von ty' co cua KH cho ben ban.
CV.TTD• LOP.TDDN•
Trang: 6/7
VIETBANK
NOAH HANG VI MM THIRING TIN
Ma s6: BM-TTD.04
- DVKD co trach nhiem kiem tra va danh gia hieu qua, phu'ong an vay von ran nay cua KH.
Khi gidi ngan:
- GCN clang ky xe 6 to mua len nay d5 sang ten c6ng ty TNHH DT Huy ram.
Sau gidi ngan:
- Vietbank giii ban chinh giay clang ky xe va cap ph6 ban t6i da 06 thang/ran.
- Dinh ky 06 thang/ len, DVKD có trach nhiem kiem tra hien trang TSDB.
- Dinh ky 03 thang/ len, DVKD kiem tra tinh hinh kinh doanh, CIC dm KH va nh6m KH lien quan. Neu sut
giarn nguOn thu/ phat sinh no qua han thi co bien phap xu' ly kip thdi va trinh cap phe duyet.
- Cac nOi dung con lai: TTKD thu'c hien theo quy Binh hien hanh can hieu lu'c cCia VB va phap luat.
Ngay nhan he so de nghi 15/03/2017 Ngay nhen dO ha sd 17/03/2017
Ngay hoan tet to trinh 18/03/2017
Chuyen \den TTE) Chi k9
- Ho ten: Nguy6n Anh Xuan
- Email: nguyenanhxuan@vietbank.com.vn /-----
_
- Dien thoai: 0968.7279.38
i' ki6n Linh dao Phong TDDN
Chit kj,
- Ho ten: NguAn Hoang Toai
- Email: nguyenhoangtoai@vietbank.com.vn
- DO thoai: 0932.189.565
CV.TTE). LDP.TDDN.
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