Completing the credit rating system of corporate customers at Lien Viet Post Commercial Joint Stock Bank - 12

Table II.2: Scoring Management qualifications and internal environment of B . JSC
  Targets Evaluate Initial score Weight Weighted Score
first Judicial history of the head of the business/business owner Good criminal record, no criminal record, no criminal record 100 2% 2
2 Education level of the head of the business/business owner University 80 2% 1.6
3 Experience, executive capacity and management quality of the Owner/Board of Directors Management experience and quality are quite good, the leadership is stable 80 5% 4
4 Reputation and relationship of the business owner in the market, with relevant agencies Normal relationship 60 4% 2.4
5 Internal control environment, organizational structure of enterprises Internal control processes are established but not regularly updated and checked. Good organizational structure 80 2% 1.6

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Completing the credit rating system of corporate customers at Lien Viet Post Commercial Joint Stock Bank - 12

6 Internal HR environment of the enterprise Good 80 3% 2.4
7 Business strategic vision of the enterprise Having a vision and business strategy, but the feasibility in some cases is still limited 60 2% 1.2
Total weighted score 17.8
(Source: Extracted from LienVietPostBank 's outreach data )
Table II.3: Scoring External factors of B . JSC
  Targets Evaluate Initial score Weight Weighted Score
first Industry development prospects Relatively developed and promising 80 2% 1.6
2 Influence from policies of the State, Government, and local authorities Does not have its own policy or is not heavily influenced by the policy (if any) 40 3% 1.2
3 Stability of input materials Relatively stable or volatile but have little impact on business operations and profits 60 2% 1.2
4 The ability of the enterprise's products to be replaced by "substitute products" according to the assessment of GMOs Relatively difficult 80 first% 0.8
5 The ability of new businesses to enter the market (in the same industry/business field) as assessed by GE Difficult, requiring large investment of capital and labor, high qualifications 80 first% 0.8
6 The degree of dependence of the enterprise's business activities on natural conditions There is a dependency but the effect is not significant 80 first% 0.8
Total weighted score 6.4
(Source: Extracted from LienVietPostBank's outreach data)
Table II.4: Scoring of B Joint Stock Company's Bank Relationship
  Targets Evaluate Initial score Weight Weighted Score
first Overdue debt situation of enterprises' current outstanding loans at credit institutions 0% 100 4% 4
2 Number of times of debt restructuring (including principal and interest) in the past 12 months at credit institutions 0 times 100 4% 4
3 Number of times of late payment of interest in the past 12 months at credit institutions 0 times 100 4% 4
4 Number of times of insolvency/late payment commitments (L/C, guarantee, other commitments) in the past 12 months at credit institutions 0 times 100 3% 3
5 Credit relationship with Lien Viet Bank (%) 50% 80 4% 3.2
6 Debt repayment history of enterprises with Lien Viet Bank Always pay your debt on time 100 4% 4
7 Using loan capital for wrong purposes when borrowing at Lien Viet Bank Never used capital for the wrong purpose 100 3% 3
8 The situation of providing information at the request of Lien Viet Bank in the past 12 months Always provide complete, accurate and timely information. Actively cooperate in providing information 100 2% 2
9 Percentage of average deposit balance (in the last 12 months) / Average outstanding balance of enterprises at Lien Viet Bank (in the last 12 months) < 2% 20 4% 0.8
ten Average number of transactions with Lien Viet Bank <2 20 3% 0.6
Total weighted score 28.6
(Source: Extracted from LienVietPostBank's outreach data)
Table II.5: Scoring Operational characteristics of B . JSC
  Targets Evaluate Initial score Weight Weighted Score
first Position and competitiveness of enterprises in the market Branded but commonly known, the position belongs to a stable development team. Be subject to competition but have a clear direction of development to improve its position. 60 5% 3
2 Scope of business activities (scope of product consumption) Only within Vietnam or the surrounding border area 80 4% 3.2
3 Supplier relationship Fully active and with multiple input options 100 3% 3
4 Relationship with output partners The output market is huge. Enterprises are not dependent on a small number of output partners, fully actively developing sales 100 5% 5
5 Financial reporting quality Report truthfully, completely, with audit, sent on time 100 4% 4
6 Applying modern management model (ISO) and advanced technological processes Do not apply 20 2% 0.4
7 Achievements are widely recognized Never received awards from organizations 20 2% 0.4
8 Net cash flow trends Downtrend (positive period net cash flows) 60 4% 2.4
9 Source of debt repayment of enterprises according to the assessment of the CBA A reliable source of debt repayment, the business is fully capable of paying its debts on time 100 6% 6
Total weighted score 27.4
(Source: Extracted from LienVietPostBank's outreach data)
Table III.1: Criteria for assessing financial indicators of enterprises in the agriculture, forestry and fishery sectors according to Decision 57/2002/QD-NHNN
Targets Large scale Medium size Small scale
A REMOVE OLD EASY A REMOVE OLD EASY A REMOVE OLD EASY
Liquidity indicator                        
1. Short-term solvency (L) 2.1 1.5 first 0.7 2.3 1.6 1.2 0.9 2.5 2 1.5 first
2. Quick payment (L) 1.1 0.8 0.6 0.2 1.3 first 0.7 0.4 1.5 1.2 first 0.7
Performance Indicators                        
3. Turnover of inventory (V) 4 3.5 3 2 4.5 4 3.5 3 4 3 2.5 2
4. Average collection period (N) 40 50 60 70 39 45 55 60 34 38 44 55
5. Asset efficiency (L) 3.5 2.9 2.3 1.7 4.5 3.9 3.3 2.7 5.5 4.9 4.3 3.7
Debt ratio (%)                        
6. Liabilities/Total Assets 39 48 59 70 30 40 52 60 30 35 45 55
7. Liabilities/Equities ONLY sixty four 92 143 233 42 66 108 185 42 53 81 122
8. Overdue debt/Total bank balance 0 first 2 3 0 first 2 3 0 first 2 3
Income target (%)                        
9. Income before tax/Revenue 3 2.5 2 1.5 4 3.5 3 2.5 5 4.5 4 3.5
10. Income before tax/Total assets 4.5 4 3.5 3 5 4.5 4 3.5 6 5.5 5 4.5
11. Income before tax/Equity source only ten 8.5 7.6 7.5 ten 8 7.5 7 ten 9 8.3 8.4
(Source: State Bank of Vietnam)

Note:

  • Enterprise has the ratio from A to the left: 5 points. After A to B: 4 points. After B to C: 3 points. After C to D: 2 points. From behind D to the right: 1 point.
  • Profitability indexes in items 9, 10, 11 < 0: 0 points.
  • The ratio of Liabilities/Equities in section 7 < 0: 0 points.
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