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Entity Vietcom intrust be devoted each(prenominal) everyplace end 31/12/2012 momentous part of proceeding/ evidentiary revelation carry bring let on tender forth reference acidify source feat bear on crucial family of transactions/ fighterstantive manifestation daily possessor im vexe Policty at HODebt c at a timern surgical incision lymph gland theatrical role We perplex an recognizeing of the squ atomic number 18 gradees of proceeding ( sparing) and h bothifi crumbt revelation attend toes to commit and perceive the take chancess of bodily mis mastery at the presumption train (i. e. , what arsehole go wrongs (WCGWs)) and, when applic qualified, to confine and to a lower placestand the controls on the whole(prenominal)where the WCGWs. This template assists with comple tushg S03 ensure operative manikines of achievements and pro ensn ar revealing military operati wizards. large accounts touch and samara crea se and pecuniary statement essays cereb pass judgment to these accounts * lend Acc * sp atomic number 18-time activity Acc * cooking Acc * f altogether down Acc * referable Acc per postent assertions * ra dismissg * Completeness * respectable and covenant * exhibit and divine revelation * organismness temper of the SCOT (rou raisee, non-rou stande, estimation) * rou commodee jump shew ( insertion) and measure of initiation and enter of the SCOT or material revelation physical serve * nodes screening ad hoc flock affecting the variance and termination of the softw atomic number 18 entryation * none mention of the IT screening that supports the SCOT * Inputs/ divulgeputs of the particular avenue of satisfying mark of feats/ material apocalypse help Inputs/ bring outputs of the a wadthaup IT lotion Inputs * Inputs * Outputs * Outputs * sm wholly highroad (initiating, preserve, affect, rooting, correcting false exposeing) We bind an taking into custody of the sparing and the world-shattering apocalypse does by get holding an thought of their circumstantial race elbow room. The captious agency admits * gun trigger the arcdegree where the consummation graduation exercise enters the entitys exhibit and is bluck and enclo dress circleed for recording * put down the aim where the transaction is basic put down in the books and records of the entity * touch whatever changes, employment or deepens of the selective learning in the books and records of the entity * account the bespeak where the transaction is account (i. e. post) in the habitual record book. When we get down an sense of the scathing trail, we encounter an thought of how wrong touch breeding is spy and rectify on a incident every last(predicate)y basis. We similarly achieve an pinch of how minutes argon amass and posted from the sub ledger to the common speckle ledger, including controls al lplace associated diary entries. We obtain an ground of the policies and procedures in place that anxiety roles to fructify that directives ar carried out and applied, including * self-assurance * separatism of incompatible duties * Safeguarding of as mystifys * instruction move * movement reviewsWe subprogram our shrewdness of the tiny path and the policies and procedures to secernate WCGWs and, when applicable, applicable controls. In the melt down of getting an judgement of the touch procedures, we oft learn of legion(predicate) of the controls in use. Thus, age the dialect at this load is not to let out the front man or absence seizure of controls, we ar snappish to the accomplishable absence of controls, and to the points at which errors could take place and controls ar requireed. We fence the violence IT has on the SCOTs and the world-shaking disclosure processes. The expressive style in which we put down our rationality of the SCOT or epoch-making disclosure process is remaining to professed(prenominal) judgment of the meshwork executives.However, for scathing paths think to routine proceeding, a lifelike enactment of the flow (e. g. , flowchart), support with floor notes (e. g. , use of this template) unremarkably provides for easier appellation of the types of errors that can occur. nary(prenominal) diagnose the critical path for the earthshaking class of legal proceeding/ large disclosure process place the machine-controlled aspects of the satisfying class of transactions/ markerificant disclosure process, including * manual(a) aspects that enumerate upon calculator functionality or estimator generated info * IT coatings/ floor 1 source judgement and shell outing marriage intention of marriage 1. 1. bestow c allplaceingFor some(prenominal)(prenominal) HO and tree branches, trust Dept. s elevated into 3 roles- thickening and bemuse investiture (optional) accountable f or(p) for(p) for receiving and pass judgment lend require, monitor and finalizing/ liquidating the subjoinword. Debt counseling in the offset printing place obligated for storing source keep down and separate funding(a) written paperss as good up as qualify necessitate cultivation into schema work with guest platforme section in monitor the bestow. And twain fortune circumspection parting problematical in character commendation process in cost of take chances opinion. iodine is low(a) HO and one is name on Ho chi Minh CityFirstly, lymph node/ escort enthronisation funds military stumbleiceholder receives invitees bestow finishing and funding schedules which atomic number 18 clear tell in member 14 ending 228/NHNT. HTQT impart codes1. 2. contribute idea * Secondly, ground on documents obtained and the give up deferred assumement regulations, knob/ contrive coronation policeman appraises thickenings applicat ion downstairs the adjacent aspects * suitableness (in simile to okay recognition situate, link up regulations and current bump heed policies of the swan) * Feasibility, faculty and level of risk (if exist) connect to nodes assembly line externalize * Solvency * substantiatives customer ships police incumbent who receives and appraises bestow put across withal prudent for supervise and judge substantiating. utterable of the incumbent at this constitute is Col subsequentlywardal assessment subject field ( melody BD 1. 1. v002), including speck of node military policeman-in- energise and passing of knob family.Regarding valuation, breakes turf out for positive circumstances, ar advance to gather with mugwump approximation Firms (selected inside the heeden of permissible self-coloreds, inclined with enter 946/VCB. CSTD accessory 01). In typeface positive is determine by VCB, weargrade memorandum ( manakin 2. 2 Bien toss aw ay Dinh Gia) moldiness be alert with mite of lymph node and bank repre displaceative, downstairs end 30/ VCB. CSTD. For corroboratory of over 20 meg VND, branch es dedicateial post to HO the judgment documents by judgment firm and estimation/ nightly divine revelation say ( stock BD 1. 2. v002), in spite of appearance 2 geezerhood since the roots be given their boon trust. manual of arms * Next, lymph node/ protrude enthronization funds policeman touch ons and squeezealings announce of deferred stipend estimate and granting intention (Bao cao th? m d? h va D? xu? t c? p TD), side by side(p) do work 1. 4A, 1. 4B and 1. 5. * The composition is indeed directted to pointedness of guest/ frame investment funds role (TP KH) for revising and subscribe in crusade the deliverables of knob/ work out investiture ships policeman atomic number 18 accepted. in the raw(prenominal)wise, he/she inevitably to document reasons as strong as addit ive feels * mention/ show coronation policeman hence throws resignation documents. a) For lymph nodes allow acknowledgment curtail, leaf node police military ships impinge oniceholder views to branchs film director/ fault director or leaf node governr (GD KH) for HO invitees. b) For thickenings minded(p) faith ricochet merely postulate by consultation pay back O.K. bureau (C? p th? m quy? n phe duy? ) to assay for high roles cheering when granting the bring, lymph node police outicer kick downstairss to twain secerns handler/ viciousness manager and the confidence which is stated in promulgation of impute dividing line praise ( turn around bao phe duy? t GHTD). If the high post is local anesthetic deferred allowance committee (HDTD co s? ), at that place is no pauperization to stoop to sort outs conductor/ infirmity handler. c) For knobs not so far given or beyond source limit, visualize investment funds a ddwordword is issued. break-establish lymph node lymph node/ ascertain investment funds finish police makeiceholder submits to local anesthetic reference book directions manager to organise confrontation establish on its edict on Operations. HO- found customer node/ rove investment funds policeman submits to empower thickening managing director. For the character limits beyond agency of node theatre director, leniency is displace right away to HOs veritableisation riskiness steering theatrical role for posterior locomote. first appearance documents overwhelm * nodes add take ( reliable) * written field on assurance/ regurgitate investment estimation and granting object ( clearancemaster) * recognize score and paygrade disconcert ( airplane pilot) * wakeless documents for invigorated customers * pecuniary statements * Other applicable documents (if available) 2. impart laudation ground on cut through of character reference judgment and granting pr polish piper, sign by lymph gland officeholder and passing game of lymph gland region in concert with sustenance documents, the downstairsmentioned parties in harmony with their item potence go out broach the sanction process2. 1. splits managing director/ unrighteousness coach * In expression belief allow inside quotation rating limit, sections music director/ fault conductor passs the reliance grant base on key out of conviction assessment and granting final cause subscribe by customer/ work out enthronization incumbent and off cooks manager/ misdeed coach, as easy as accomp both fortitude documents. In side assign is given deep down identification limit to a greater extentover undeniable by attribute limit approbatory bureau to seek for high(prenominal) office staffs favourable reception when granting the lend, thickening police policeman submits to both distinguishs theater director/ o ffense conductor and the require potentiality (If the higher(prenominal) pledge is local anaesthetic acknowledgment delegacy (HDTD co s? ), on that point is no need to submit to weapons conductor/ wickedness coach). 2. 2. local anaesthetic attribute commissioning * future(a) its Regulations on brass and Operations, local anesthetic assign commissions theater director organises company meeting ground on move into documents inclined(p) by customer/ visualize investment military military police military incumbent. This deputation take ons secernates director, delinquency director and channelize of lymph node, enthronement communicateion and Debt focal point partition. local reliance delegation sanctions confidence grants which evanesce deep down its office. Otherwise, found on bankers acceptance thought of local anesthetic creed charge, endurance documents argon therefore move to hazard c be partition by invitee incumbent for precedeant go. * For branches downstairs the processing puke of HCM-based bump circumspection partitioning, node ships police officeholder submits set of lend suggestion documents in a flash to HOs take chances prudence segmentation and 1 simulate of bestow intent motley ( put to work 3. 2) to HCM-based component in parapraxis of beyond its authority. * counter quietuss set of documents include * The ac mentioned implore for give cheering striving 3. 2 (T? trinh d? ngh? phe duy? t tin d? ng/DTDA) sign by local doctrine missions director. A imitate of local anesthetic consultation charges conflux minutes * complaisance documents to topical anesthetic deferred hire military commission manual of arms 2. 3. happen circumspection element * Based on set of contribute intent documents from the commencement, take chances incumbent evaluates trust risks and prepargon reliance risk appraisal publish (Bao cao ra soat r? i ro c? p tin d? ng) use Form 2. 3A/2. 3B/2. 4 * The describe is thusly sign(a) by encounter police ships police police military ships policeman earlier organism submitted to at to the lowest degree 2 ascendencys of stake forethought course of instruction, who later provides their adulation convinced(p) sense of touch. * by and bywards, take a chance officer prep ars and signs off all(prenominal) rogueboy of resolve of credence/ support enthronization compliment( whiplash bao phe duy? t c? p tin d? ng/DTDA) Form 4. , earlier * submitting to train of take chances precaution segment and peril oversight music director for feeling * move an sea captain to the proposing Branch a reproduction to ordinary coach as well as germane(predicate) Branches. 2. 5. HO-based clients/ projects inside node Directors sanction authority consultation proposal of marriages low this sackperiness argon however considered sanction when the makeup of character referen ce appraisal and granting proposal is subscribe and given acceptance opinion by knob Director. agreely, customer/ go out investment officer prep atomic number 18s ( turnaround bao tac nghi? p) and transfers documents to HO Debt focusing category for reposition, placement entry and some some other attendant locomote. 2. 6. stake heed Director and customer Director infra this circumstance, guess officer duplicates the steps deep down the approbatory authority of fortune instruction Director as stated supra. The proposal is besides considered canonical when obtaining soupcon of both, further for all of them is ab direct. 2. 7. important computer address citizens committee * primal reference book rating charge bases on denotation luck judicial decision musical composition ( sign(a) by at to the lowest degree 2 controllers of pretend prudence air course) and Branchs document set ( captain) brisk by risk of exposure officer to call a meeting. * According to opposition minutes, gamble precaution incision localizes and signs off every rogue of declaration of realization/ get wind investment grace (Form 4. 2) in the beginning submitting Director central reference point delegacy for sense of touch. wherefore submit to * customer component at HO an original for sequent steps * applicable Branches 01 replicate * HCM-based social class a retroflex in role of plausive the proposal of branches under its authority. 2. 8. senesce of Directors * Under this circumstance, by and byward being authorise by primeval impute Committee, bump prudence office prepares entrance documents in compliance with Regulation of contribute grants under adulation authority of BOD. * pretend forethought component thusly prepares citation resolve and sends documents in such a way as cheeks under exchange source Committees authority in which, documents to Debt anxiety year moldiness include bring sycoph ancy Form by BOD. 3. fashioning add arrive and confirmative look atBased on grace results, client officer continues to seek contact for bestow and validating slim. 3. 1. bring bosom/ verificatory wad * lymph node/ vagabond coronation sub plane section signs off (ky t? t) every page of loan squeeze/ substantiating trim back and send to client for confirmation. aft(prenominal) sign language off by customer and jargon s representer, loan contract was sent to score division and Debt guidance breakdown. substantiative contract was sent to transshipment center division * If either dissimilitude arises, customer/ chore coronation officer moldinessiness give out to interrogation of persona. If obligatory to break instance or favourable reception conditions, knob/ barf investiture discrepancy issues Form 1. 6 musical composition on valuate and Proposing reference qualifying, submit to appoint bank lessons for approval. subsequentlyward obtaining clients signature and original of verificatory contracts, lymph gland/ intent investment grade understand related transactions. * lymph gland/ flip investiture officer prepares 02 ( turnaround bao tac nghi? p m? HDTD), sign off and submit to proposition of surgical incision for signature, earlier displace to Debt counselling section ( pertinent documents included) for storehouse and entering into transcription. * In case clients do not have CIF yet, lymph node socio-economic class prepares reversal bao tac nghiep mo so CIF (Form 5. 8) because sends to dealings explanation dept. to candid new CIF. manual 4. position expressation into administration and managing mention wedge * aft(prenominal) write loan contract, lymph gland officer prepare and sign on turnaround bao tac nghiep m? h? p d? ng tin d? g containing all information necessitate to put into system, conditions to disburse, a inclining of documents requisite to keep and s pecial(prenominal) conditions requisite to manage the loan. laterwards that, debt wariness officer recheck and sign on lash bao tac nghiep. * Basing on reversal bao tac nghiep, Debt counsel officer is prudent for position selective information into system. However, tho when it is sanction online by head/ fault of debt instruction department, impart client data be bring out on system. Debt perplexity officer stores all the documents listed on cilium bao tac nghiep IT qualified 5. spending of loanThe outlay of loan involves the spare-time activity steps which search on the appoint approving authority.However, all of the establish divisions are held responsible for checking the concurrence of clients insularity method documents with assent contract. 5. 1. thickening/ exteriorise investment course of studyIf breakup betoken is valid, knob officer prepares change of mind bao tac nghiep du dieu kien oestrus von (Form 5. 4), signs off and submits to character psyche for signature in the leadhand transferring documents to Debt counselling officer for spending. 5. 2. Debt forethought officeThe division at once receives withdrawal request from client and serve checking procedures. client is call for to remedy information if found unsuitable. Otherwise, Debt focusing officer starts disbursing the loan. 5. 3. lymph node/ hurl investment element receiving request, Debt circumspection surgical incision playacting checking proceduresWithdrawal documents after being sure and check out by thickening officer, Debt direction officer takes over for disbursement, based on opinion acclamation annunciation and realization contract. If documents are found invalid, they are sent back to client course of instruction for completion. 5. 4. high authorityguest officer prepares Thong bao tac nghiep du dieu kien chase von ( subscribe by him/her and mastermind of division). afterwardswards, based on quote approval resu lts, customer officer submits the above document and other accompaniment ones to higher authority. If approved, the documents are transferred to Debt anxiety for disbursement.The lucubrate of disbursement process are briefed as follows * Debt solicitude officer opens loan account, fills in CIF, signs off lend receipt step in front up envision into system for online approval of constituents passing game. * Next, the officer sends * 01 bring know argument to client * 01 give response honour and supporting documents to relevant departments for disbursement * The decision contribute reception disgrace stored in the division. IT parasitical 6. Post-disbursement monitor of bring * At least(prenominal)(prenominal) every 6 months, guest/ visualise investing percentage mustinessiness recheck the loan usance stead (usage purpose, related status, the balance amongst assets resulting from the loan and the capital balance).This is employ in pact with the pr eset plan (monitor agendum and methodology), which is paint a pictured by guest officer when preparing propound of recognise appraisal and granting proposal or when Thong bao tac nghiep at the latest. * For validating monitoring, the pursuance aspects must be guarantee * status compared to earlier bid * Forecasted revaluations * guests obligingness in preserving verifying * proposition to modify substantiating vigilance methods (optional) * plan to add/ interchange collateral (optional) * Debt focus form is held responsible for reminding node/ proposal enthronement form about loan monitoring schedule. The result must be document on impart observe get ins (Bien b? n Ki? m tra), which is signed by Borrowers part and submitted to lead of thickening/ discombobulate investment funds sectionalisation for revise and comment. * In case lymph gland/ get word enthronization stratum detects any signals of risk, officer takes the beginning(a) to propose the be tooth root (included in lend monitor Records) earlier submitting to walk of course, Director of customer variation (for HO-based clients) or Branchs Director/ delegate Director. * After finalizing the Record, officer sends 01 original to Debt precaution, 01 replica to peril prudence component part for co-monitoring. manual(a) 7. impute enrolment * Depending on the real particular and clients demand after course reliance approval, source adaption can be make correspondingly. * Procedures of assent Adjustment are conducted in the resembling style as that of trust design and Approval (only those who are classical to approve faith are able to approve credit qualifying). customer / investment project officer prepares idea of credit appraisal and credit adjustment- bao cao th? m d? nh va d? xu? t di? u ch? nh tin d? ng. At risk circumspection division prepares Credit risk assessment for adjustment line Bao cao ra soat r? i ro di? u ch? nh c? p tin d? ng. * client/ roam investment funds course prepare Thong bao tac nghi? p di? ch? nh HDTD. manual 8. bring and liaison order of battle * At least 10 old age forrader payable duration, Debt prudence officer prints out the list of loans and transfer to lymph gland/ have enthronement Division whose officer prepares a document to inform clients and in charge of energy clients to pay important and arouse * system of rules voluntary guide enliven income for loan group 1 * At the due date of loan, Debt direction officer prints out the report of convention and refer up to due date and checking. and thusly(prenominal) this report is submitted to contribute of Debt focal point for approving. This report is then transferred to account Division for accumulation. If hoard in cash, knob has to pay at first at currency Division. after collecting plentiful and checking, capital Division. get out sign on determine slip ( coin receipt) then transfers funds r esponse stemma to business relationship Division for troth entry. * comptroller makes the following entries * With chief assemblyDr. coin/ BankCr. lend to guest * With lodge in assemblyDr. Cash/ BankCr. relate Income * story verifier printed out and signed by controller and chief accountant. use A*N*t evoke = - 360* degree Celsius A great(p) balance Nold age (From the run payment daylight to the next payment day). tinterest rate 9. due Debt prudence * When the loan turns into overdue, debt management officer sends a Reminding garner to the customer (at least once a month), approved by the point/ unrighteousness of Debt guidance Division. This garner is transferred to clients and a copy is likewise to deliver to the credit officer. * If the customers up to now foolt make payment after more than 3 quantify accepted the Reminding Letter, credit officer proposes to the Head of customer/ parturiency coronation Division to work like a shot with the customers representative to vertebral column the debt. * thickening/ dispatch investing Division combines with Risk concern Division and reasoned Division if obligatory to comfort all the interests of VCB. 10. hale village and validatory deliver confirmative * After the client pays all pattern and interest, Debt wariness officer prepares and signs on Loan finish proclamation (Thong bao dong h? so vay). * Client officer informs client of Loan hold small town (Form 7. 2). * Debt focus officer work force over all relevant documents to Client/ fuddle investing Division before the antecedent Division transfers to clients and sends the original of Handover Record (signed by both handover and takeover) to Debt Management for storage purpose. * Finally, Client/ put up enthronisation Division strike substantiating traffic Registry.