Gia Lai, ngy .thng...

nm 2013

T TRNH THM NH KHCH HNG

V/v cp tn dng i vi khch hng doanh nghip (mc cp 05 t)

M h s: Ngy KH np h s: 14/03/2012 Ngy KH np h s: 15/03/2012

A. THNG TIN DOANH NGHIP

-Tn doanh nghip : CNG TY TNHH MTV NAM NHN
-GCN KKD/GP u t s : 59 00 705 202. ng k ln u, ngy 26/04/2010. ng k thay i ln th
1 ngy 19/08/2011 do S K Hoch v u T tnh Gia Lai cp.
-Ngnh ngh SXKD chnh : Mua bn vt liu xy dng, vt liu trang tr ni ngoi tht, mua bn xi
mng, thit b lp t khc trong xy dng. Mua bn nng sn (tr
- m cao su)
-
-a ch: 74 Tn c Thng Phng Yn Th - TP.Pleiku - Tnh Gia Lai
-Thi im bt u H i vi ngnh kinh doanh chnh: 2007
-Vn iu l: 2.500.000.000 ng.
-Vn thc gp n ngy 31/12/2012: 4.250.867.785 ng
-M CIC: 6400003819 M TCBS: 803608
-Nm bt u quan h tn dng vi ACB: 2013 Ngy trnh gn nht:
-Hng tn dng ln trc: ......... Ln gn nht: .......(tng im:.........; trong : ti chnh:......., phi ti

B. HIN TRNG KIN NGH TNG MC CP TN DNG - QUAN H VI CC TCTD

I.Quan h tn dng vi ACB (hin ti v kin ngh)
1.Tng mc cp tn dng
T Hin ti Kin ngh
Loi cp tn dng
T S tin Loi tin S tin Loi tin
Hn mc tn dng 0 VND 2.000.000.000 VND
2
TNG MC CP TN DNG 0 VND 2.000.000.000 VND

2.Ti sn bo m (cho ln cp tn dng ny)

St Loi TSB Tnh trng Gi tr Mc cho T l Quan h ch ti TSB
t T vay cho vay sn vi DN thuc
gn nht nhm
I Ti sn bo m cho ln cp
tn dng ln ny
1 Bt ng sn to lc ti t 07, ang th chp ti 2.470 tr 2.000 tr 80.97% Thuc s hu 01 (70%)
phng Yn Th, TP.Pleiku, Ngn hng TMCP ca ch DN
Tnh Gia Lai vi tha t s : u T v Pht
49 (s c: 221), t bn s : trin VN CN

QF - D.23/KHDN - 11.09 1/8

 18 ( s c: 21) theo Giy Gia Lai
chng nhn QSD t s K-
707532 do UBND TP.Pleiku,
tnh Gia Lai cp ngy
23/05/1998
Tng cng tr 2.000 tr %
(*) Chi tit v TSB tham kho thm theo cc T trnh thm nh ti sn lin quan km theo .
II.Tnh hnh tun th cc ni dung ph duyt ca ln xt cp tn dng trc:
1.Tnh hnh tun th cc ni dung ph duyt ca ln xt cp tn dng trc:
2.Cp ph duyt ln trc: N/A
3.nh gi iu kin theo sn phm :/
III.Tnh hnh quan h vi cc TCTD (Bao gm quan h vi ACB)
1.Qu
2.an h giao dch tin gi ti ACB: cha pht sinh

Loi tin Doanh s giao dch T trng quan h vi ACB Nhn xt

3.Quan h Thanh ton quc t: cha pht sinh

4.Quan h tn dng:
Tng mc cp D n theo thng TSB - Tr gi
TT Tn TCTD
tn dng tin KH/TCBS
NH TMCP u t v Pht
1
trin VN CN Gia Lai

Ngn hn 1.400 tr 1.400 tr

D n theo CIC (n ngy

1.400 triu ng
18/03//2013)

Nhn xt:
Theo CIC: Theo thng tin CIC cung cp n ngy 18/03/2013 th Cng ty TNHH MTV Nam Nhn hin
ang c d n vay ngn hn tiu chun l 1.400 triu ng ti Ngn hng TMCP u T v Pht trin
VN CN Gia Lai . B Phan Th L (Gim c Cng ty) hin ang c d n vay ngn hn tiu chun l
1.325 triu ng ti Ngn hng TMCP u T v Pht trin VN CN Gia Lai v d n vay ngn hn
tiu chun l 850 triu ng ti Ngn hng TMCP Ngoi Thng VN CN Gia Lai.
Theo thng tin KH: Theo thng tin CIC cung cp n ngy 18/03/2013 th ng L nh Cng (Chng
ca Gim c Cng ty ) hin c d n vay ngn hn tiu chun l 700 triu ng ti Ngn hng TMCP
ng CN ak Lak PGD Pleiku
Lch s quan h vi ACB : y l ln th hai KH t quan h tn dng vi Ngn hng TMCP Chu
CN Gia Lai. Trc y KH quan h tn dng vi Ngn hng TMCP Chu CN Gia Lai di hnh
thc kinh doanh h c th t nm 2010

C. THM NH KHCH HNG

I.T chc v qun l doanh nghip:

QF - D.23/KHDN - 11.09 2/8

Tm tt qu trnh hnh thnh, pht trin:
Lch s hnh thnh: CNG TY TNHH MTV Nam Nhn c thnh lp vo ngy 26/04/2010 vi s giy
php KKD: 59 00 705202, ng k thay i ln th 1 ngy 19/08/2011 do S K Hoch v u T tnh
Gia Lai cp vi tr s t ti 74 Tn c Thng, phng Yn Th, TP.Pleiku, tnh Gia Lai.

Nghnh ngh KD chnh: Mua bn vt liu xy dng, vt liu trang tr ni ngoi tht, mua bn xi mng,
thit b lp t khc trong xy dng. Mua bn nng sn (tr m cao su)
Thng hiu, cc c im ni bt: n thi im hin ti Cng ty hot ng c gn 03 nm nhng
trc khi thnh lp Cng ty th Khch hng tng hot ng kinh doanh trong lnh vc mua bn VLXD,
hng trang tr ni tht, st thp, xi mng, vt liu thit b khc trong xy dng, , nng sn t nm 2007 di
hnh thc l h kinh doanh c th, nn tch lu c rt nhiu kinh nghim cng nh mi quan h vi
khch hng. Do , Cng ty c th phn kh n nh trn a bn tnh Gia Lai. Ngun hng ho u vo
ca Cng ty c ly ch yu t nhng bn hng quen bit t lu nm nh: Cng ty TNHH MTV TXD
Mi Yn, Cng ty TNHH TM Tng Hp Duy Linh, Cng ty TNHH TM v Dch v Th Dn, Cng ty
TNHH Kim Lin Gia Lai, DNTN An Tin, DNTN Long Sang, VLXD Tha ng, nng sn thu mua ch
yu t cc h kinh doanh trn a bn...Ngun u ra ca Khch hng n nh, ch yu l cc bn hng lm
n lu nm v bn l cho cc h kinh doanh c th, ngi dn trn ia bn nh: Cng ty TNHH MTV c
Tho, Cng ty TNHH MTV An Vn Thc Gia Lai, Cng ty TNHH MTV Ton Thng, Cng ty TNHH
Hong Tng, Cng ty TNHH MTV Phng Tin Dng, Cng ty TNHH Hoa Nguyn, Cng ty TNHH MTV
Long Thnh... Hot ng kinh doanh ca Cng ty n nh v hiu qu.

Thnh vin gp vn ch yu Ban iu hnh

Gi tr T trng Chc v trong Kinh nghim/TG
STT Thnh vin gp vn
vn gp vn gp doanh nghip hot ng
1 Thnh vin gp vn ch yu

B Phan Th L 2.500 tr 100% Gim c Hn 7 nm

2 Ban iu hnh
B L Th Thm 2.500 tr 100% Gim c Hn 7 nm
Ghi ch: nu thnh vin gp vn l php nhn, ghi c th tn ngui i din gp vn; chc danh hin ti
trong DN gp vn
Nhn xt: B Phan Th L hin nay l Gim c Cng ty TNHH MTV Nam Nhn . Trc khi thnh lp
Cng ty th b L hot ng trong lnh vc kinh doanh mua bn vt liu xy dng, vt liu trang tr ni
ngoi tht, mua bn st thp v thit b lp t khc trong xy dng, mua bn hng nng sn di hnh thc
kinh doanh h c th t nm 2007 Chnh v vy, b L cng tch ly c nhiu kinh nghim trong
ngnh ngh kinh doanh chnh ca Cng ty v c th nh hng gip Cng ty pht trin tt.

II.Hot ng sn xut kinh doanh

1.Hot ng sn xut kinh doanh
1.1 Ngnh & sn phm kinh doanh c th
Mua bn vt liu xy dng, vt liu trang tr ni ngoi tht, mua bn st thp v thit b lp t khc
trong xy dng
Mua bn nng sn (tr m cao su)
1.2 C s vt cht & lao ng
1.2.1 Mt bng sn xut kinh doanh

QF - D.23/KHDN - 11.09 3/8

 Din tch Hnh thc s hu
STT Ni dung a im
c lng (ca DN, thu mn)
Vn phng/ Mt bng 74 Tn c Thng, phng Yn Thuc s hu ca
1 165 m2
KD Th, TP.Pleiku, tnh Gia Lai Gim c Cng ty
T 07, phng Yn Th, Thuc s hu ca
196 m2
TP.Pleiku, tnh Gia Lai Gim c Cng ty
01 K Con, phng Yn Th, Thuc s hu ca
2 Kho, bi 500 m2
TP.Pleiku, Gia Lai Gim c Cng ty
1.2.2 MMTB, ti sn khc:
STT Ni dung S lng Gi tr c lng Mc ch s dng
Phc v ch yu cho hot
02 t ti Ben 550 tr
1 MMTB chnh ng kinh doanh ca DN
Cc ti sn khc
2
(nu c)
1.2.3 S lng lao ng
Nhn vin : 08 ngi trong : 01 nhn vin k ton, 01 th kho, 02 nhn vin bn hng, cn li l nhn vin
li xe v lao ng ph thng
2.Th trng u vo v u ra
2.1 u vo Nh cung cp

Thi gian bt
TT Tn nh cung cp Nguyn vt liu
u quan h Phng thc thanh ton chnh
chnh chnh
(nu bit)
Trong nc
1
Cng ty TNHH
1.1 Thng Mi Tng 2007 Vt liu xy dng Thanh ton bng tin mt
hp Duy Linh
Cng ty TNHH Tol
1.2 2007 Tn Thanh ton bng tin mt
Vit Nht
Cng ty TNHH Kim
1.4 2007 Thp Thanh ton bng tin mt
Lin Gia Lai
DNTN An Tin 2007 Vt liu xy dng Thanh ton bng tin mt
DNTN Long Sang 2007 Vt liu xy dng Thanh ton bng tin mt
VLXD Tha ng 2007 Vt liu xy dng Thanh ton bng tin mt
Cc h kinh doanh
trn a bn tnh Gia 2007 Nng sn Thanh ton bng tin mt
Lai
2 Nc ngoi
2.2 u ra Th trng tiu th
Thi gian
Sn phm tiu th
Tn khch hng chnh bt u Phng thc thanh ton chnh
TT chnh
quan h
1 Trong nc

QF - D.23/KHDN - 11.09 4/8

 Vt liu xy dng,
vt liu trang tr ni
Cng ty TNHH MTV Thanh ton bng tin mt hoc chuyn
1.1 2005 ngoi tht, st thp,
c Tho khon tr chm trong vng 5-10 ngy
thit b lp t khc
trong XD
Vt liu xy dng,
vt liu trang tr ni Thanh ton bng tin mt hoc chuyn
Cng ty TNHH MTV
1.2 2005 ngoi tht, st thp, khon tr chm trong vng 10-15 ngy
Ton Thng
thit b lp t khc
trong XD
Vt liu xy dng,
vt liu trang tr ni
Cng ty TNHH MTV Thanh ton bng tin mt hoc chuyn
1.3 2005 ngoi tht, st thp,
An Vn Thc Gia Lai khon tr chm trong vng 07-10 ngy
thit b lp t khc
trong XD
Vt liu xy dng,
vt liu trang tr ni
Cng ty TNHH Hong Thanh ton bng tin mt hoc chuyn
1.4 2005 ngoi tht, st thp,
Tng khon tr chm trong vng 10-15 ngy
thit b lp t khc
trong XD
Vt liu xy dng,
vt liu trang tr ni
Cng ty TNHH MTV
2005 ngoi tht, st thp, Thanh ton bng tin mt
Phng Tin Dng
thit b lp t khc
trong XD
Cng ty TNHH Hoa
2006 Nng sn Thanh ton bng tin mt
Nguyn
Cng ty TNHH MTV
2007 Nng sn Thanh ton bng tin mt
Long Thnh
Vt liu xy dng,
Cc h kinh doanh c vt liu trang tr ni
1.5 th v cc c nhn trn 2005 ngoi tht, st thp, Thanh ton bng tin mt
a bn tnh Gia Lai thit b lp t khc
trong XD
Nc ngoi
2

III. Kt qu kinh doanh Tnh hnh ti chnh

1.Ngun thng tin phn tch: BCTC ni b
2.Mc tin cy: Trung bnh
3.Kt qu kinh doanh Tnh hnh ti chnh v d phng nm k tip: Theo s liu bo co ni b nm
2009, nm 2010 v 12 thng nm 2011 v theo cn b tn dng thm nh thc t.

QF - D.23/KHDN - 11.09 5/8

 S liu theo thm S liu thm nh
Bo co thu Bo co thu Bo co nhanh S liu theo thm nh Hp l n hp l Nm d
STT CH TIU nm 2010 nm 2011 nm 2012 nh Hp l 2011 nm 2012 phng
1 Doanh thu 2,832,526,560 5,462,357,812 26,180,984,379 11,470,951,405 26,180,984,379 30,108,132,036
2 Gi vn hng bn (cha khu hao) 2,600,512,831 4,555,825,196 22,777,456,410 9,979,727,723 22,777,456,410 26,194,074,871
Li nhun gp 232,013,729 906,532,616 3,403,527,969 1,491,223,683 3,403,527,969 3,914,057,165
3 Chi ph qun l v bn hng 211,109,496 588,044,051 1,086,510,852 476,044,483 1,086,510,852 1,249,487,479
T l gi vn/doanh thu 91.81% 84.00% 87.00% 87.00% 87.00% 87.00%
T l chi ph/doanh thu 7.45% 10.77% 4.15% 4.15% 4.15% 4.15%
4 LN thun t HKD 20,904,233 17,222,445 2,066,573,928 713,913,079 2,066,573,928 2,477,069,686
5 Khu hao 0 0 167,527,227 107,527,227 167,527,227 167,527,227
6 Li vay 0 301,266,120 250,443,190 301,266,120 250,443,190 187,499,999
7 LN trc thu 20,904,233 17,222,445 2,066,573,928 713,913,079 2,066,573,928 2,477,069,686
8 Thu TNDN 5,226,058 4,305,611 516,643,482 178,478,270 516,643,482 619,267,422
9 LN sau thu 15,678,175 12,916,834 1,549,930,446 535,434,810 1,549,930,446 1,857,802,265
Tng ti sn 2,407,780,732 4,881,488,402 5,883,412,986 4,472,208,936 5,883,412,986
+ Ti sn ngn hn 2,407,780,732 4,881,488,402 5,526,583,415 4,055,379,365 5,526,583,415
Tin mt 243,934,332 39,156,556 525,458,750 815,458,745 525,458,750
10
Khon phi thu 341,748,727 346,222,931 989,102,102 712,012,120 989,102,102
Hng tn kho 1,509,577,738 4,103,326,483 4,012,022,563 2,527,908,500 4,012,022,563
+ Ti sn di hn 0 0 356,829,571 416,829,571 356,829,571
Tng ngun vn 2,407,780,732 4,881,488,402 5,883,412,986 4,472,208,936 5,883,412,986
+ N phi tr 1,392,102,557 1,425,065,893 2,401,704,001 1,425,065,893 1,832,545,201
11 N ngn hn 1,392,102,557 1,425,065,893 2,401,704,001 1,425,065,893 1,832,545,201
N di hn 0 0 0 0 0
+ Vn ch s hu 1,015,678,175 3,456,422,509 3,481,708,985 3,047,143,043 4,050,867,785
16 Kh nng thanh ton hin hnh 1.73 3.43 2.3 2.85 3.02
17 N vay TCTD/Vn CSH 0 0 0 0 0
18 N phi tr/Tng TS 0.58 0.29 0.41 0.32 0.31
19 Vng quay vn lu ng 1.18 1.5 5.03 1.5 5.46 3
20 Li nhun sau thu/Doanh thu thun 0.55% 0.24% 5.92% 4.67% 5.92% 6.17%
21 Li rng/vn ch s hu 1.54% 0.37% 44.52% 17.57% 38.26% #DIV/0!
22 vn lu ng t ti tr 1,015,678,175 3,456,422,509 3,124,879,414 2,630,313,472 3,694,038,214 0

Nhn xt:

Theo BCTC do Khch hng cung cp v theo xc minh thc t th doanh thu ca Cng ty nm 2011 #
13.190 triu ng v nm 2012 # 28.799 triu ng, tng mnh so vi nm 2011. Hin nay trn a bn tnh
Gia Lai ang bt u vo ma xy dng do vic cung cp cc mt hng VLXD cho cc h dn xy
dng nh ca, cho cc cng trnh xy dng, cc c nhn kinh doanh VLXD trn a bn l nhu cu thit yu,
do d tnh t y cho n cui nm th doanh thu ca Cng ty c xu hng tng trng tt. Doanh thu t
hot ng mua bn vt liu xy dng, vt liu trang tr ni ngoi tht, mua bn st thp v thit b lp t
khc trong xy dng chim 80%/ tng doanh thu ca Cng ty v doanh thu t lnh vc mua bn nng sn
chim 20%/ tng doanh thu ca Cng ty
Gi vn hng bn ca Cng ty nm 2011 # 11.405 triu ng, nm 2012 # 25.055 triu ng . Thng qua
hiu qu hot ng ca Cng ty v uy tn thanh ton ca Cng ty i vi nh cung cp nn Cng ty s c
hng u i v gi c t cc nh cung cp, bn cnh vic mua hng vi s lng ln th Cng ty cng
s c hng chit khu t cc nh cung cp
Chi ph qun l Cng ty nm 2011 # 544 triu ng, nm 2012 # 1.195 triu ng
Li nhun sau thu ca Cng ty tng qua cc nm c th nh sau: Nm 2011 # 644 triu ng, nm 2012 #
1.723 triu ng => Cng ty hot ng c hiu qu
C cu ti chnh ca Cng ty kh n gin: Ti sn ngn hn chim 93.93% trong tng gi tr ti sn, ti
sn c nh chim 6.07% trong tng gi tr ti sn. Ti sn ca Cng ty ch yu l phng tin vn ti phc

QF - D.23/KHDN - 11.09 6/8

 v cho hot ng kinh doanh chnh ca Cng ty. Tnh hnh ti chnh ca Cng ty th hin nh sau:
Tin mt: Nm 2011 # 815 triu ng, nm 2012 # 525 triu ng. y l lng tin mt tn ti qu
nhm p ng nhng chi ph pht sinh nh: chi ph mua hng ha, chi ph nhn cng v cc chi ph
khc.
Khon phi thu: Nm 2011 # 712 triu ng, nm 2012 # 1.289 triu ng. Khon phi thu ca Cng
ty d dng thu hi v khng ng quan ngi do nhng bn hng ca Cng ty u l nhng KH c uy tn
v lm n vi DN t lu nm nh: Cng ty TNHH c Pht ( 85 triu ng), Cng ty TNHH MTV
Vnh An ( 60 triu ng), Cng ty TNHH Quang Thch ( 103 triu ng), Cng ty TNHH MTV c
Tho ( 150 triu ng), Cng ty TNHH MTV An Vn Thc Gia Lai ( 185 triu ng), Cng ty Xy
dng L Minh ( 320 triu ng), Cng ty TNHH Hng nh Kon Tum ( 235 triu ng)..v cc h kinh
doanh, c nhn khc trn a bn tnh Gia Lai
Hng tn kho: Nm 2011 # 2.627 tiu ng, nm 2012 # 3.712 triu ng. Hng tn kho ca Cng ty
ch yu VLXD, vt liu trang tr ni ngoi tht, st thp, thit b lp t khc trong xy dng nh: Gch
cc loi ( 357 triu ng), Xi mng cc loi ( 783 triu ng), thp cc loi ( 425 triu ng), tn ( 79
triu ng), Sn cc loi ( 62 triu ng), vt liu trang tr ni ngoi tht v thit b lp t khc trong
XD ( 921 triu ng), c ph nhn (25 tn # 690 triu ng)...Hin ti, a bn Gia Lai ang vo ma
xy dng chnh v vy Cng ty cn d tr mt lng hng ho cn thit c th p ng tt nhu cu
ca th trng do hng tn kho ca Cng ty t b ng v d dng lun chuyn.
TSC ca Cng ty tnh n nm 2012 # 356 triu ng. TSC ca DN ch yu l phng tin vn ti
nhm phc v hot ng kinh doanh ca Cng ty
Khon mc n phi tr ca Cng ty tnh n nm 2012 l 1.632 triu ng. Khon mc n phi tr
ca KH tp trung ch yu vo khon vay vn ngn hn ti Ngn hng TMCP u t v Pht trin VN
CN Gia Lai # 1.400 triu ng phc v hot ng kinh doanh ca Cng ty
Cc ch s ti chnh ca Cng ty qua cc nm c th hin nh sau:
Kh nng thanh ton hin hnh ca Cng ty nm 2011 l 2.92, nm 2012 l 3.39. iu ny cho thy
Cng ty hon ton c kh nng thanh ton cc khon n ngn hn

H s li rng/Vn ch s hu ca Cng ty nm 2011 l 20.47%, nm 2012 l 40.55%
N vay ngn hng/VCSH tnh n nm 2012 l 0.3
N phi tr/Tng ngun vn nm 2011 l 0.31, nm 2012 l 0.28
Nhn chung hot ng kinh doanh ca Cng ty kh tt, doanh thu tng trng, t sut li nhun kh cao.
Ngun u vo v u ra ca Cng ty kh n nh, th trng kinh doanh khng ngng c m rng, uy
tn ca Cng ty ngy cng gia tng => Cng ty hot ng kinh doanh hiu qu

D.PHNG N D N VAY VN
I.Mc ch cp tn dng: Cng ty TNHH MTV Nam Nhn c nhu cu chuyn ton b mn vay ca Cng
ty t Ngn hng TMCP u T v Pht trin VN CN Gia Lai v ti Ngn hng TMCP Chu CN Gia
Lai. Hin nay, trn a bn tnh Gia Lai ang bt u vo ma xy dng , chnh iu ny, Cng ty cn b
sung thm vn c th d tr thm nhiu mt hng hn na nhm p ng tt cho nhu cu ca th trng ,
ng thi b p khon phi thu cha thu hi kp
II.Php l ca phng n/d n vay vn: Mc ch vay vn ngn hn ph hp vi chc nng hot ng
kinh doanh hin ti ca Cng ty
III.Cho vay vn lu ng:
1.Nhu cu khch hng ngh: 2.000.000.000 ng
2.Nhu cu vn lu ng, vn vay theo tnh ton: (theo s liu hp l nm d phng)

QF - D.23/KHDN - 11.09 7/8

 STT KHON MC Kt qu tnh ton
1 Tnh ton nhu cu vn lu ng 7,329,869,771
a Tng chi ph SXKD cn thit bng tin 27,395,354,960
b Phi tr ngi bn 1,801,915,216
c Nhu cu vn lu ng 7,329,869,771
d Ngun vn lu ng t ti tr 3,894,038,214
2 Nhu cu vay { = c d ) 3,435,831,557
3 Nhu cu vay ACB 2,000,000,000
a Tng mc vay ngn hn c cp ti 0
b ACB
Nhu cu tng/gim hn mc ti ACB 0
4 Ngun vn vay cc TCTD/t chc/c nhn 1,435,831,557
khc

Nhn xt: Hot ng ca Cng ty din ra t lu, chnh v vy Cng ty c th phn n nh trn a bn
tnh Gia Lai do Cng ty c nhu cu cn b sung thm vn kinh doanh mua bn vt liu xy dng, vt
liu trang tr ni ngoi tht, mua bn st thp v thit b lp t khc trong xy dng, mua bn nng sn
Nhu cu vay vn ca Cng ty l hon ton hp l

3.
4.nh gi ri ro v cc bin php gim thiu ri ro:
STT Tn ri ro Bin php gim thiu ri ro
Giao dch chuyn tin v nhn tin ti ACB ng thi
1 S dng vn sai mc ch b sung chng t chng minh mc ch s dng vn
vay trong vng 30 ngy, sau ngy gii ngn.
2 ng li tr k Trch t ng ti khon tin gi thanh ton thu li

E. NHN XT V XUT
I.NHN XT CHUNG:
Khch hng c kinh nghim v to c ch ng trn a bn tnh Gia Lai trong lnh vc mua bn vt
liu xy dng , vt liu trang tr ni ngoi tht, mua bn st thp v thit b lp t khc trong xy dng,
mua bn nng sn
Tr s chnh ca Cng ty ta lc ti 74 Tn c Thng, phng Yn Th, TP.Pleiku, tnh Gia Laicch tr
s Ngn hng TMCP Chu khong 7 km
Khch hng rt am hiu v lnh vc kinh doanh chnh ca Cng ty cng nh nh hng trong kinh doanh
trong thi gian ti.
Nhu cu vay vn thc t v ng mc ch
Nng lc ti chnh ca khch hng tt.
Ti sn bo lnh cho khon vay ln ny l ca Gim c Cng ty

II. XUT:
Knh trnh Hi ng Tn Dng xem xt v ph duyt cho vay i vi khch hng CNG TY TNHH MTV NAM
NHN

QF - D.23/KHDN - 11.09 8/8

1. Cho vay ngn hn:
Hn mc cp tn dng: 2.000.000.000 ng (Bng ch: Hai t ng chn)
Mc ch: B sung vn kinh doanh mua bn vt liu xy dng v thit b lp t khc trong xy dng
Thi hn: 12 thng, mi KNN khng qu 06 thng
Phng thc tr n gc: gc tr theo KNN
Phng thc tr n li: li tr hng thng
Li sut: Theo quy nh ca ACB
2. Ti sn bo m:

C CC IU KIN CP TN DNG
1 Trc gii ngn:
Cng chng & ng k ti sn m bo theo ng quy nh
Min mua bo him ha hon i vi TSTC l BS (L do: BS dng )
Bo lnh c nhn ca v chng ng L nh Cng v b Phan Th L i vi ton b ngha v ti
chnh v ti sn ca Cng ty ti ACB
Sau gii ngn:
B sung chng t chng minh mc ch s dng vn vay sau gii ngn theo quy nh
2
Kim tra mc ch s dng vn vay sau khi gii ngn theo quy nh
3 Khc:
Thc hin qun l TSB theo quy nh, n v qun l TSB phi c ACB chp thun
Min m th tn dng cho KH ( L do: Khch hng khng c nhu cu s dng th)
Chuyn dn doanh s giao dch ti khon v ti Ngn hng TMCP Chu CN Gia Lai
Thc hin theo quy nh ca ACB v vic s dng cc phng tin thanh ton gii ngn cho vay
i vi khch hng

kin, xut khc ca .... (cp kim sot)

ng Khng ng xut khc
Trn trng.
NHN VIN THM NH CP KIM SOT

QF - D.23/KHDN - 11.09 9/8