1. Tiếpxúc customers and receiving the credit request profileInformation about the capacity of the businessInformation about the possibilities of use and refund of the customerInformation about credit guaranteesThe paper suggested the credit level Business plans or projectsFinancial reporting the latest yearThe papers relating to collateralProfile operations situation. ...Other relevant documents if necessary2. credit evaluationIncluding legal due diligence, loan purpose, financial evaluation, evaluation of the current impact of capital projects, property guaranteed. ...3. The decision to grant creditOverall customer ratingKh financial situation analysisKh credit gradingProvincial production địnhphương doan, method, the needs, the ability to pay the loan, the loan guarantee measures.Considering the relevance of kh's loans with the current rules of the law and policy of khDe export credit level for vskh4. Signing of contract, credit guarantee credit and register warrant transactions5. DisbursementsThe Bank will loan money for kh under most credit line contract6. Monitoring and tracking the use of credit capitalPeriodically checkUnscheduled inspectionsWhen the loans have problems the fish immediately credit loan processor and loan adjustment authority7. Classification of the debt and the redundant use of excerpts to handle credit risks.8. Currency debt and interest rates9. The prize asset guarantees or overdue debt transfer10. the liquidation of a credit contract and save the profile.In the steps of the credit process, the second step is difficult for most credit officers.
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