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.
Completing the credit rating system of corporate customers at Lien Viet Post Commercial Joint Stock Bank - 9
