{"id":54569,"date":"2023-05-11T14:27:05","date_gmt":"2023-05-11T07:27:05","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=54569"},"modified":"2025-01-07T14:12:38","modified_gmt":"2025-01-07T07:12:38","slug":"bo-phan-tham-dinh-ngan-hang","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/bo-phan-tham-dinh-ngan-hang\/","title":{"rendered":"B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng & nh\u1eefng quy t\u1eafc trong c\u00f4ng vi\u1ec7c"},"content":{"rendered":"\n
B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/em><\/strong><\/a> l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 thi\u1ebfu trong qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng. V\u1edbi vai tr\u00f2 x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng, b\u1ed9 ph\u1eadn n\u00e0y \u0111\u00f3ng vai tr\u00f2 r\u1ea5t quan tr\u1ecdng, g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng. C\u00f9ng JobsGO t\u00ecm hi\u1ec3u nh\u1eefng quy t\u1eafc c\u1ee7a c\u00f4ng vi\u1ec7c n\u00e0y nh\u00e9!<\/em><\/p>\n M\u1ee5c l\u1ee5c<\/p> B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong> l\u00e0 b\u1ed9 ph\u1eadn \u0111\u1ea3m nh\u1eadn vi\u1ec7c x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay ho\u1eb7c kh\u00f4ng cho vay.<\/p><\/blockquote>\n C\u00e1c nh\u00e2n vi\u00ean trong b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh s\u1ebd thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng, bao g\u1ed3m l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, thu nh\u1eadp v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng. Sau \u0111\u00f3, h\u1ecd s\u1ebd \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay, s\u1ed1 ti\u1ec1n v\u00e0 th\u1eddi gian vay. Quy\u1ebft \u0111\u1ecbnh n\u00e0y d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, t\u00ednh kh\u1ea3 thi c\u1ee7a k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng kho\u1ea3n vay v\u00e0 r\u1ee7i ro cho ng\u00e2n h\u00e0ng.<\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh \u0111\u00f3ng vai tr\u00f2 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng ng\u00e2n h\u00e0ng cho vay ti\u1ec1n m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m, kho\u1ea3n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch v\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n. \u0110\u1ed3ng th\u1eddi, b\u1ed9 ph\u1eadn n\u00e0y c\u0169ng g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. M\u1ed9t ph\u1ea7n quan tr\u1ecdng trong quy tr\u00ecnh n\u00e0y l\u00e0 gi\u1ea3i ng\u00e2n<\/strong><\/a>, khi ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n vi\u1ec7c chuy\u1ec3n ti\u1ec1n cho kh\u00e1ch h\u00e0ng sau khi kho\u1ea3n vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t.<\/p>\n Xem th\u00eam: Ng\u00e2n h\u00e0ng b\u00e1n bu\u00f4n l\u00e0 g\u00ec<\/a>? Gi\u1ea3i \u0111\u00e1p c\u00e1c th\u1eafc m\u1eafc v\u1ec1 ng\u00e2n h\u00e0ng b\u00e1n bu\u00f4n<\/strong><\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh trong ng\u00e2n h\u00e0ng<\/strong> l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng. C\u1ee5 th\u1ec3, vai tr\u00f2 c\u1ee7a b\u1ed9 ph\u1eadn n\u00e0y th\u1ec3 hi\u1ec7n \u1edf nh\u1eefng kh\u00eda c\u1ea1nh sau:<\/p>\n Xem th\u00eam: Due Diligence l\u00e0 g\u00ec<\/a>? C\u00e1c h\u00ecnh th\u1ee9c th\u1ea9m \u0111\u1ecbnh Due Diligence<\/strong><\/p>\n B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o m\u1eabu m\u00f4 t\u1ea3 c\u00f4ng vi\u1ec7c chuy\u00ean vi\u00ean th\u1ea9m \u0111\u1ecbnh<\/strong><\/a>, t\u1eeb \u0111\u00f3 c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t v\u1ec1 vai tr\u00f2 quan tr\u1ecdng c\u1ee7a h\u1ecd trong ng\u00e2n h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng vi\u1ec7c h\u1ecd th\u01b0\u1eddng l\u00e0m:<\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh trong ng\u00e2n h\u00e0ng<\/strong> tham gia v\u00e0o quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh c\u00e1c \u0111\u1ec1 ngh\u1ecb vay ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng v\u1ec1 vi\u1ec7c cho vay ho\u1eb7c kh\u00f4ng cho vay.<\/p>\n C\u1ee5 th\u1ec3, c\u00e1c c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd bao g\u1ed3m:<\/p>\n >>>T\u00ecm hi\u1ec3u th\u00eam: Ho\u1ea1t \u0111\u1ed9ng Due Diligence l\u00e0 g\u00ec<\/a><\/strong>?<\/span><\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh trong ng\u00e2n h\u00e0ng<\/strong> c\u00f3 nhi\u1ec7m v\u1ee5 qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, \u0111\u1ea3m b\u1ea3o r\u1eb1ng kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, an to\u00e0n. C\u00e1c kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd bao g\u1ed3m c\u00e1c kho\u1ea3n vay cho c\u00e1 nh\u00e2n, doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c. C\u1ee5 th\u1ec3 \u0111\u00f3 l\u00e0:<\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh trong ng\u00e2n h\u00e0ng<\/strong> kh\u00f4ng ch\u1ec9 tham gia v\u00e0o qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh c\u00e1c kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng, m\u00e0 c\u00f2n c\u00f3 nhi\u1ec7m v\u1ee5 \u0111\u00f3ng g\u00f3p \u00fd ki\u1ebfn, \u0111\u1ec1 xu\u1ea5t cho vi\u1ec7c x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n c\u00e1c quy tr\u00ecnh, quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c cho vay hay qu\u1ea3n l\u00fd kho\u1ea3n n\u1ee3.<\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh c\u00f3 th\u1ec3 \u0111\u1ec1 xu\u1ea5t c\u00e1c thay \u0111\u1ed5i ho\u1eb7c b\u1ed5 sung cho quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh v\u00e0 ph\u00ea duy\u1ec7t kho\u1ea3n vay. \u0110i\u1ec1u n\u00e0y g\u00f3p ph\u1ea7n t\u0103ng t\u00ednh ch\u1eb7t ch\u1ebd v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t \u0111\u00fang theo quy \u0111\u1ecbnh, an to\u00e0n v\u1ec1 t\u00e0i ch\u00ednh cho ng\u00e2n h\u00e0ng.<\/p>\n Ngo\u00e0i ra, b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ec1 xu\u1ea5t c\u00e1c thay \u0111\u1ed5i cho quy tr\u00ecnh qu\u1ea3n l\u00fd kho\u1ea3n n\u1ee3 \u0111\u1ec3 t\u0103ng t\u00ednh hi\u1ec7u qu\u1ea3 v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho ng\u00e2n h\u00e0ng.<\/p>\n Xem th\u00eam: Th\u1ea9m \u0111\u1ecbnh vi\u00ean v\u1ec1 gi\u00e1<\/a> l\u00e0 ai? H\u1ecdc th\u1ea9m \u0111\u1ecbnh gi\u00e1 \u1edf \u0111\u00e2u?<\/strong><\/p>\n \u0110\u1ec3 l\u00e0m vi\u1ec7c t\u1ea1i b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong>, m\u1ed9t s\u1ed1 k\u1ef9 n\u0103ng b\u1ea1n c\u1ea7n c\u00f3 l\u00e0:<\/p>\n K\u1ef9 n\u0103ng v\u00e0 ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c th\u1ea9m \u0111\u1ecbnh. B\u1ea1n c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1c kh\u00eda c\u1ea1nh t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p v\u00e0 c\u00e1ch \u0111\u00e1nh gi\u00e1 c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh.<\/p>\n M\u1ed9t k\u1ef9 n\u0103ng quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00f4ng vi\u1ec7c th\u1ea9m \u0111\u1ecbnh l\u00e0 kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch t\u00e0i ch\u00ednh v\u00e0 d\u1eef li\u1ec7u li\u00ean quan. Nh\u1edd \u0111\u00f3, b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u00ea duy\u1ec7t ho\u1eb7c t\u1eeb ch\u1ed1i kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n K\u1ef9 n\u0103ng giao ti\u1ebfp l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 li\u00ean l\u1ea1c v\u1edbi kh\u00e1ch h\u00e0ng, c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c trong ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed1i t\u00e1c b\u00ean ngo\u00e0i.<\/p>\n Xem th\u00eam: [B\u1eadt m\u00ed] Ngh\u1ec7 thu\u1eadt giao ti\u1ebfp<\/a> \u0111\u1ec3 th\u00e0nh c\u00f4ng<\/strong><\/p>\n C\u00f4ng vi\u1ec7c th\u1ea9m \u0111\u1ecbnh th\u01b0\u1eddng g\u1eb7p ph\u1ea3i \u00e1p l\u1ef1c th\u1eddi gian v\u00e0 c\u1ea7n ph\u1ea3i ho\u00e0n th\u00e0nh c\u00e1c nhi\u1ec7m v\u1ee5 theo l\u1ecbch tr\u00ecnh. V\u00ec v\u1eady, k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd th\u1eddi gian l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p>\n \u0110\u1ec3 l\u00e0m vi\u1ec7c \u1edf b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong>, am hi\u1ec3u v\u1ec1 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt l\u00e0 r\u1ea5t quan tr\u1ecdng. B\u1ea1n c\u1ea7n ph\u1ea3i n\u1eafm v\u1eefng c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn cho vay v\u00e0 qu\u1ea3n l\u00fd n\u1ee3 trong ng\u00e0nh ng\u00e2n h\u00e0ng, bao g\u1ed3m:<\/p>\n Ngo\u00e0i ra, b\u1ea1n c\u0169ng c\u1ea7n c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean c\u00e1c thay \u0111\u1ed5i m\u1edbi nh\u1ea5t v\u1ec1 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt li\u00ean quan \u0111\u1ebfn ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh th\u1ea9m \u0111\u1ecbnh ch\u00ednh x\u00e1c, \u0111\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p ph\u00e1p v\u00e0 tr\u00e1nh c\u00e1c r\u1ee7i ro ph\u00e1p l\u00fd.<\/p>\n Vi\u1ec7c th\u1ea9m \u0111\u1ecbnh y\u00eau c\u1ea7u s\u1ef1 ch\u00ednh x\u00e1c v\u00e0 t\u1ec9 m\u1ec9 trong vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh. Nh\u1eefng sai s\u00f3t nh\u1ecf c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1eadu qu\u1ea3 l\u1edbn \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ph\u1ea3i lu\u00f4n c\u1eadp nh\u1eadt c\u00e1c ki\u1ebfn th\u1ee9c m\u1edbi nh\u1ea5t li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh, qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng th\u00e1ch th\u1ee9c v\u00e0 y\u00eau c\u1ea7u m\u1edbi trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n Hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng s\u1eed d\u1ee5ng quy t\u1eafc 5C \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cho vay m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c, hi\u1ec7u qu\u1ea3. C\u1ee5 th\u1ec3 quy t\u1eafc n\u00e0y nh\u01b0 sau:<\/p>\n \u0110\u1ec3 x\u00e1c \u0111\u1ecbnh kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 nh\u1eadn kho\u1ea3n vay hay kh\u00f4ng, m\u1ed9t trong c\u00e1c y\u1ebfu t\u1ed1 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 l\u00e0 th\u00e1i \u0111\u1ed9 c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh giao d\u1ecbch. Ngo\u00e0i ra, tr\u00ecnh \u0111\u1ed9 h\u1ecdc v\u1ea5n, ph\u1ea9m ch\u1ea5t v\u00e0 kinh nghi\u1ec7m kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c xem x\u00e9t \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng.<\/p>\n M\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t trong m\u00f4 h\u00ecnh 5C trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng l\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng n\u00e0y, ng\u00e2n h\u00e0ng s\u1ebd s\u1eed d\u1ee5ng c\u00e1c b\u1ea3ng b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng \u0111i\u1ec1u h\u00e0nh trong qu\u00e1 kh\u1ee9 v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh hi\u1ec7n t\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng. T\u1eeb \u0111\u00f3 ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 t\u00ednh kh\u1ea3 thi c\u1ee7a vi\u1ec7c cho vay.<\/p>\n Vi\u1ec7c kh\u00e1ch h\u00e0ng s\u1edf h\u1eefu m\u1ed9t s\u1ed1 v\u1ed1n \u0111\u00e1ng k\u1ec3 trong doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u0103ng t\u00ednh \u0111\u00e1ng tin c\u1eady \u0111\u1ed1i ng\u00e2n h\u00e0ng trong vi\u1ec7c x\u00e9t duy\u1ec7t cho vay. Vi\u1ec7c n\u00e0y \u0111\u1ea3m b\u1ea3o r\u1eb1ng ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 s\u1ef1 c\u00e2n b\u1eb1ng trong c\u00e1c kho\u1ea3n vay ti\u1ec1n t\u00edn ch\u1ea5p. Kh\u00e1ch h\u00e0ng s\u1edf h\u1eefu m\u1ed9t s\u1ed1 v\u1ed1n \u0111\u00e1ng k\u1ec3 s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh h\u01a1n v\u00e0 \u0111\u1ee7 kh\u1ea3 n\u0103ng chi tr\u1ea3 n\u1ee3 vay, gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho ng\u00e2n h\u00e0ng.<\/p>\n T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, bao g\u1ed3m vi\u1ec7c th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n v\u00e0 nh\u00e0 c\u1eeda, n\u00f3 c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o s\u1ef1 \u0111\u00e1ng tin c\u1eady, an to\u00e0n trong c\u00e1c kho\u1ea3n vay c\u1ee7a ng\u00e2n h\u00e0ng. Khi kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00e0y \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 c\u00f2n l\u1ea1i. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. M\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 mortgage rate<\/strong>, t\u1ee9c l\u00e0 l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ed5ng chi ph\u00ed m\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 cho kho\u1ea3n vay.<\/p>\n >>> T\u00ecm hi\u1ec3u th\u00eam: Mortgage rate l\u00e0 g\u00ec<\/a><\/strong>?<\/span><\/p>\n \u0110\u00e2y l\u00e0 qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf chung. \u0110\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng l\u00e0 doanh nghi\u1ec7p, c\u00f4ng ty c\u00f3 ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh v\u00e0 \u00edt b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i, h\u1ecd s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean h\u01a1n trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng.<\/p>\n T\u00f3m l\u1ea1i, b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong> \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ec1n v\u1eefng c\u1ee7a ng\u00e2n h\u00e0ng. Nh\u1edd nh\u1eefng quy tr\u00ecnh v\u00e0 k\u1ef9 n\u0103ng chuy\u00ean m\u00f4n, b\u1ed9 ph\u1eadn n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00edn d\u1ee5ng, t\u0103ng c\u01b0\u1eddng s\u1ef1 tin t\u01b0\u1edfng v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u1ea5t l\u01b0\u1ee3ng cho kh\u00e1ch h\u00e0ng.<\/p>\n N\u1ebfu b\u1ea1n \u0111ang c\u00f3 nhu c\u1ea7u t\u00ecm ki\u1ebfm vi\u1ec7c l\u00e0m th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, \u1ee9ng tuy\u1ec3n ngay nh\u1eefng jobs \u201cngon\u201d c\u00f3 t\u1ea1i JobsGO<\/strong><\/a> nh\u00e9!<\/p>\n","protected":false},"excerpt":{"rendered":" \u0110\u00e1nh gi\u00e1 post B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 thi\u1ebfu trong qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng. V\u1edbi vai tr\u00f2 x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng, b\u1ed9 ph\u1eadn n\u00e0y \u0111\u00f3ng vai tr\u00f2 r\u1ea5t…<\/p>\n","protected":false},"author":43,"featured_media":54571,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng","_yoast_wpseo_title":"B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c quy t\u1eafc trong th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng %%sep%% %%sitename%%","_yoast_wpseo_metadesc":"B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh trong ng\u00e2n h\u00e0ng \u0111\u1ea3m nh\u1eadn vi\u1ec7c x\u00e1c \u0111\u1ecbnh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c cho vay.","_yoast_wpseo_focus_keyphrase":"","faq":"","nganh_nghe_chuc_vu_lien_quan":["Chuy\u00ean Vi\u00ean T\u00edn D\u1ee5ng"]},"categories":[2038],"tags":[],"yoast_head":"\n1. B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n
2. T\u1ea1i sao c\u1ea7n c\u00f3 b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng?<\/strong><\/span><\/h2>\n
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3. B\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng l\u00e0m c\u00f4ng vi\u1ec7c g\u00ec?<\/strong><\/span><\/h2>\n
3.1 Tham gia c\u00f4ng t\u00e1c th\u1ea9m \u0111\u1ecbnh<\/strong><\/span><\/h3>\n
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3.2 Qu\u1ea3n l\u00fd n\u1ee3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc v\u1edbi c\u00e1c kho\u1ea3n sau cho vay<\/strong><\/span><\/h3>\n
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3.3 G\u00f3p \u00fd cho quy tr\u00ecnh, quy \u0111\u1ecbnh c\u00f3 li\u00ean quan<\/strong><\/span><\/h3>\n
4. K\u1ef9 n\u0103ng c\u1ea7n c\u00f3 \u0111\u1ec3 l\u00e0m vi\u1ec7c \u1edf b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong><\/span><\/h2>\n
4.1 Ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh<\/strong><\/span><\/h3>\n
4.2 K\u1ef9 n\u0103ng ph\u00e2n t\u00edch<\/strong><\/span><\/h3>\n
4.3 K\u1ef9 n\u0103ng giao ti\u1ebfp<\/strong><\/span><\/h3>\n
4.4 K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd th\u1eddi gian<\/strong><\/span><\/h3>\n
4.5 Ki\u1ebfn th\u1ee9c v\u1ec1 ph\u00e1p lu\u1eadt<\/strong><\/span><\/h3>\n
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4.6 S\u1ef1 t\u1ec9 m\u1ec9 v\u00e0 ch\u00ednh x\u00e1c<\/strong><\/span><\/h3>\n
4.7 Tinh th\u1ea7n c\u1ea7u ti\u1ebfn<\/strong><\/span><\/h3>\n
5. C\u00e1c quy t\u1eafc trong c\u00f4ng vi\u1ec7c th\u1ea9m \u0111\u1ecbnh ng\u00e2n h\u00e0ng<\/strong><\/span><\/h2>\n
5.1 Character \u2013 Uy t\u00edn, \u0111\u1ea1o \u0111\u1ee9c kh\u00e1ch h\u00e0ng<\/strong><\/span><\/h3>\n
5.2 Capacity \u2013 N\u0103ng l\u1ef1c<\/strong><\/span><\/h3>\n
5.3 Capital \u2013 V\u1ed1n<\/strong><\/span><\/h3>\n
5.4 Collateral \u2013 T\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/strong><\/span><\/h3>\n
5.5 Conditions \u2013 M\u00f4i tr\u01b0\u1eddng<\/strong><\/span><\/h3>\n