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MC LC

1. Kim tra chng t


2. Cch thu thp thng tin a ch
3. Trnh hc vn
4. S in thoi thay th
5. Cch ly s th nhn dng th 2
6. Cch ly s in thoi ni lm vic
7. Cch nhp thu nhp chnh
8. Cch nhp thu nhp khc
9. Trng hp khch hng l sinh vin
10. Trng hp khch hng l ni tr
11. Trng hp khch hng tht nghip
12.Trng hp khch hng ngh hu
13. Khon vay khc
14. Thng tin khng c k nhy
15. B h s hon chnh gi v cng ty ( bt u t 01.05.2016)
16. Ly du vn tay khch hng
17. M ni b
18. Khch hng l sinh vin t 18 n 20 tui

Cp nht n ngy 21.05.2016


1. Kim tra CMND v GPLX
Bt buc 2 thng tin sau phi ging nhau
- H tn
- Ngy thng nm sinh
Ngy thng nm sinh th hin n u kim tra ging nhau n
v d: CMND: 1970

Thng tin

CMND

GPLX

H tn

Trn Th Lng
Nhn

Trn Th Lng
Nhn

Ngy thng
nm sinh

7/9/1975
8/9/1975
7/9/1976

7/9/1975
7/9/1975
7/9/1975

7/9/1975
1975

1975
7/9/1975

07.1975

1975

1975

07.1975

2. Kim tra CMND v SHK : i chiu 3


trong 5 iu kin sau
Bt buc 2 thng tin sau phi ging nhau

nhau n

C lm c hp ng hay
khng

- H tn
- Ngy thng nm sinh
V 1 trong 3 iu kin sau phi trng
- CMND

- a ch thng tr
- Tnh thuc nguyn qun

Lm c
Khng lm c
Khng lm c
Lm c v nhp 09.07.1975
Lm c v nhp 09.07.1975
c lm hp ng v hi li
khch hng sinh ngy no
- Khch hng nh ngy no ghi
ngy
- Khch hng khng nh => in
1/07/1975
c lm hp ng v hi li
khch hng sinh ngy no
- Khch hng nh ngy no ghi
ngy
- Khch hng khng nh => in
1/07/1975

5. Kim tra th sinh vin

- Hnh chp ca khch hng phi th hin trn th


- H tn cn trng khp vi H tn trn CMND v Giy
ngh vay vn
- Thng tin ngy, thng, nm sinh cn trng khp vi
Thng tin trn CMND v Giy ngh vay vn
- tn trng khch hng hc cn trng khp vi Thng
khch hng cung cp trn Giy ngh vay vn
- Phn s th sinh vin: nhp ng vi m s th c t
hin trn th sinh vin
- Trng d liu ni lm vic: nhp ng trng hc th
hin trn th sinh vin

ging nhau

th hin trn th
n trn CMND v Giy

h cn trng khp vi
gh vay vn
trng khp vi Thng tin
ngh vay vn
g vi m s th c th

p ng trng hc th

3. Kim tra ha n
in/nc/truyn hnh cp
- Trong vng 3 thng gn nht
- a ch phi trng vi
a ch thng tr hoc lin lc

4. Kim tra th bo him y t


- Cp trc ngy 01.01.2015
a ch phi th hin tn cng ty
/doanh nghip/t chc ni khch hng lm vic
- Cp t ngy 01/01/2015
2 k t u ca m th phi bt u = 1 trong 10 k
hiu sau:

DN, HX, CH, NN, TK, HC, XK, QN, CA, CY

N, CA, CY

Cp nht n ngy 21.05.2016


1. a ch thng tr:
- Khch hng s dng CMND + BLX => Ly theo CMND
- Khch hng s dng CMND + SHK => Ly theo SHK
2. a ch lin lc: a ch khch hng ang sng hoc c th lin lc c

p nht n ngy 21.05.2016


. a ch thng tr:
Khch hng s dng CMND + BLX => Ly theo CMND
Khch hng s dng CMND + SHK => Ly theo SHK

. a ch lin lc: a ch khch hng ang sng hoc c th lin lc c


Cc tnh hung
- Thng tin a ch thng tr trn CMND ca khch hng khng c trn h thng v
nay a ch c thay i hoc tch gp a ch v khch hng cha i CMND
v d: Trn CMND: X Cm Tin, H. Cm Xuyn, Tnh H Tnh
Trn thc t i thnh v h thng c : X Cm Xuyn, H. Cm Xuyn, Tnh H Tnh
=> Cch x l: SA nhp ng trn h thng v note li trong giy t ca khch hng
v khng b nh li

- H thng cha cp nht thng tin a gii nhng giy t khch hng cp nht
a ch mi ri
=> SA nhp theo a ch c trn h thng sau gch i, ghi li theo ng a ch
mi theo giy t => cho khch hng k nhy
=> khng b li

Cp nht n ngy 21.05.2016

p nht n ngy 21.05.2016

Li khai khch hng


T bit c, bit vit cho d khng i hc
n lp 9 (cha tt nghip PTCS)
T tt nghip PTCS
n lp 12 (cha tt nghip PTTH)
ang hc trung cp ngh (khng hc PTTH)
T tt nghip PTTH, ang hc hoc tt nghip Trung cp
ngh/ Trung cp chuyn nghip.
n cha tt nghip Cao ng/ i hc.
T tt nghip Cao ng/i hc.
n ang hc Cao hc/ Thc s/ Tin s
Tt nghip Cao hc/ Thc s/Tin S tr ln

Trnh hc vn

Tiu hc

PTCS

PTTH

C nhn
Cao hc/Tin S

S in thoi thay th
2

S in thoi thay th 1

Cp nht n ngy 21.05.2016


1.V hoc chng.
2.Cha/m rut hoc cha/m nui.
3.Anh hoc ch em rut.

- Nu i tng u tin

4.Ngi thn c chn ngu nhin trong SHK

v d:

5.Ngi thn khng c trong SHK


6.Bn b hoc ng nghip.
1.Cha/m rut hoc cha/m nui.
2.Anh hoc ch em rut.

- Nu khch hng cha


thay th theo quy nh c

3.Ngi thn c chn ngu nhin trong SHK.

- Hai v chng dng chu

4.Ngi thn khng c trong SHK


5.Bn b hoc ng nghip.

Nu i tng u tin 1 cht hoc khng dng in thoi hoc khng lin lc c hoc khng hin hu=>
Khch hng ly v, v khng dng in thoi=>
s thay th th 1 l cha
s thay th th 2 l m
s thay th th 3 l anh hoc ch em rut
s thay th th 4 l ngi thn chn ngu nhin trong s h khu

Nu khch hng cha ng k kt hn nhng vn c v/chng=> SA chn " Sng chung khng hn th" v th
hay th theo quy nh ca ngi cha lp gia nh

Hai v chng dng chung 1 s in thoi => Ly s k tip theo th t u tin

hoc khng hin hu=> chuyn sang i tng u tin tip theo

g khng hn th" v thy s in thoi

Cp nht n ngy 21.05.2016

Nhm ngnh ngh

Nhn vin cng ty

Nhn vin t do

Sinh vin

S in thoi lm vic (cung cp theo th t u tin)


Phng
Cng

Cp

Nhn S

ty khch hng.

trn ca khch hng.

ng

nghip.

in thoi th 2 ca Khch hng (c th l s c nh).

ca hng xm/ ng nghip (ngi c th xc minh v khch hng).

S in thoi trng i hc/ Cao ng ca Khch hng.

Cp nht n ngy 21.05.2016


1. S h khu khng c dng ghi s CMND => ly s s h khu
V d:

S th nhn dng th 2: 060384346

2. S h khu c dng ghi s CMND => dng theo nguyn tc

CH gi yu (trn
70 tui), khng c
CMND

S CMND
ch h
(CH)

CH vn cn
thng tr trn HK

Ly s CMN
trang thnh vi
tin c s C

C s CMN
trn HK

Khng c s C
trn HK

C CH m
thay th
CH chuyn i /
mt

Cha c CH
thay th

dng theo nguyn tc ly s th nhn dng th

Ly s CMND ca
trang thnh vin u
tin c s CMND

S HK c:
s CMND ch h

C s CMND
trn HK

S dng s ny

Khng c s CMND
trn HK

Photo CMND CH b
sung

C CH mi
thay th

(Thc hin nh trng


hp c CH)

Cha c CH mi
thay th

CH c c s CMND
trn HK

Ly s CMND
CH c

CH c khng c s
CMND trn HK

Ly s CMND ca
trang thnh vin u
tin c s CMND

s CMND
CH c

CMND ca
hnh vin u
s CMND

Cp nht n ngy 21.05.2016

Khi nim: L khon thu nhp nh k c nh t cng vic chnh DO CHN


(Nu KH l sinh vin, p dng quy nh v

SA cn hi:Anh/ch vui lng cung cp gip em thng tin thu nhp chnh

Trng hp Khch hng cung cp thng tin lng c bn 3 triu, ph cp/bonus 2 triu (

Khng th c con s chnh xc c

SA cn hi khch hng Anh ch vui lng cung c

tin cui cng khch hng cung cp

t cng vic chnh DO CHNH BN THN KHCH HNG LM RA


h vin, p dng quy nh v sinh vin)

em thng tin thu nhp chnh hng thng ca mnh l bao nhiu ?

iu, ph cp/bonus 2 triu (ti thi im lm H) v c th thay i theo tng thng.

g Anh ch vui lng cung cp cho em mt con s c th v in thng tin theo thng

i cng khch hng cung cp

Cp nht n ngy 21.05.2016

Khi nim:

21.05.2016
L khon thu nhp nh k c nh t cc ngun khc, khng phi t
cng vic chnh; v/hoc l khon tin c chu cp/ cho/ tng
thng xuyn t 1 hoc nhiu ngi thn (cha/m, chng/v/con,
anh/ch/em rut)/ t chc

Khch hng khng phi l sinh vin


- Khon chu cp / cho/ biu/ tng thng xuyn bt
buc phi t 6 thng tr ln
- Ngi thn ch c chp nhn b/m, chng/
v/con,anh/ch/em rut
SA cn hi: Ngoi khon thu nhp chnh ny, anh/ch c ngun thu nhp thm no khc khng?
-Trng hp KH tr li: KHNG C -> SA in s 0 vo Thu nhp khc
-Trng hp KH tr li: C v thu nhp n t:
( Sinh vin p dng ring )

Cngviclmthm

ctrcp/chucp

Khch hng l sinh vin

- Khng p dng thi gian


- Tt c ngi thn c quan h h hng

h/ch c ngun thu nhp thm no khc khng?

hu nhp khc

SA cn hi tip: Vy ngun thu nhp thm l bao


nhiu ? v nhp theo thng tin ca KH.
SA cn hi tip: Vy anh/ch nhn tr cp c t ai/ t
chc no v c bao lu ri ?
- Nu tr cp < 6 thng => SA in s 0 vo Thu
nhp khc
- Nu tr cp >= 6 thng v n t 1 ngun c nh
=> SA hi Vy ngun thu nhp thm l bao nhiu
? v nhp theo thng tin ca KH.

Cp nht n ngy 21.05.2016


Khch hng l sinh vin, mi thng ngi thn cho 3 triu
a. Trng hp Sinh vin cha i lm:
Ngh nghip : Chn Sinh vin
Cng ty/Trng hc : Nhp thng tin trng hc
Thu nhp/Chi tiu hng thng : Thu nhp chnh : 0
Thu nhp khc : 3.000.000

b. Trng hp SV c vic lm/T kinh doanh, thu nhp mi thng 2 triu, c 2 trng hp:
Cng vic khng k hp ng/Khng c giy php kinh doanh:
Ngh nghip : Chn Sinh vin
Cng ty/Trng hc : Nhp thng tin trng hc
Thu nhp/Chi tiu hng thng : Thu nhp chnh : 0;
Thu nhp khc : 5.000.000
(2 triu thu nhp t cng vic + 3 triu t ngi thn chu cp hng thng, Sales c
php cng 2 khon tin ny v nhp vo Thu nhp khc).

c
0

c
0;

g thng, Sales c
khc).

Cng vic c k hp ng/C giy php kinh doanh:

Ngh nghip : Chn Lm cng/T kinh doanh


Cng ty/Trng hc : Nhp thng tin Cng ty lm vic
Thu nhp/Chi tiu hng thng : Thu nhp chnh : 2.000.000
Thu nhp khc : 3.000.000

inh doanh
ng ty lm vic
chnh : 2.000.000
0

Cp nht n ngy 21.05.2016

Khch hng khai lm Ni Tr:


Thu nhp chnh = 0

V d: Khch hng cung cp thng tin l Ni tr hng thng chng cho 5 triu v c 7 thng, b

Thu nhp chnh = 0. Thu nhp khc = 8 triu.

riu v c 7 thng, bn hng tp ha ti nh 3 triu.

Cp nht n ngy 21.05.2016

Khch hng tht nghip


Thu nhp chnh = 0
Thu nhp khc = khon tr cp/ cho/ biu tng nh k c nh t 1 hoc nhiu ngi thn

1 hoc nhiu ngi thn ( B/m, v/chng/con, anh ch em rut), t chc v t 6 thng tr ln

Cp nht n ngy 21.05.2016


NGH HU
Khch hng khng lm thm th lng hu l thu nhp chnh.
Khch hng c lm thm th hi khch hng xc nhn u l thu nhp chnh,u l thu
nhp khc in thng tin cho chnh xc.

nhp chnh,u l thu

Cp nht n ngy 21.05.2016

Khon vay khc: s tin phi tr hng thng cho khon vay khc

- L s tin m khch hng phi tr n hng thng cho cc t chc/c nhn cho vay ho
- Bao gm khon n nh k m khch hng phi tr thay cho ngi khc
Khch hng ng tn vay nhng khng c ngha v tr => Vn a vo
Khch hng tr nhng khng ng tn vay => Vn a vo khon

-Khng bao gm khon vay hin hu ca khch hng ti Home Credit (nu c).
- Khon ng tin bo him nhn th ( Prudential, AIA, Bo Vit) khng cho vo khon va
-Khon ng tin chi hi s cho vo khon vay khc ( d l hi sng hay hi cht)
SA cn hi: Anh/ch vui lng cung cp gip em thng tin hin ti mnh ang c khon vay

Nu Khch hng cung cp thng tin: " c vay ca c rut 30 triu, nhng khng xc nh b
=> t chi lm hp ng

Tnh hung: - V ang c khon vay ti Home Credit, mi thng ng 1 triu, t


Gi chng n Home Credit lm hp ng, phn khon vay k

n vay khc

c nhn cho vay hon thnh ngha v vay.


v tr => Vn a vo khon vay
=> Vn a vo khon vay

dit (nu c).


khng cho vo khon vay khc
ng hay hi cht)

nh ang c khon vay no khc ngoi khon vay vi Home Credit khng? Nu c, hng thng anh/ch phi tr

nhng khng xc nh bao gi tr, khi no c s tr"

mi thng ng 1 triu, tuy nhin hng thng ngi chng l ngi tr khon vay
ng, phn khon vay khc SA phi nhp 1 triu trn ln h thng

g thng anh/ch phi tr bao nhiu?

Cp nht n ngy 21.05.2016

Cc thng tin khng c k nhy trn hp ng


1.
2.
3.
4.

H tn khch hng
a ch thng tr ( ngoi cc trng hp c bit v cp nht thng tin )
S th nhn dng th nht
S th nhn dng th 2

hng tin )

Cp nht n ngy 21.05.2016

STT

LOI CHNG T

Hp ng tn dng (3 trang)

Hp ng Bo him (nu c)

Giy y quyn trch n (nu c)

Tha thun trng ti

Bn ng k s dng dch v in t

Bn photo chng t ca khch hng (CMND,


GPLX, HK, ha n)

Phiu danh sch h s gi i (in lc ng gi hp ng gi


v Home Credit trn h thng)

S bn

Ch k cn c

Cng ty cung cp

In ti
POS

Khch
hng

SA

Trang 2

Trang 1 &
3

1 phn

Mi th
1 bn

Version p dng HCVN


Ver 03-2016

In chng t

1
1

Cc mu H Bo
him
(nu c)

2
Ver 03-2016
Ver 03-2016

k cn c

Ca
hng
1

Cp nht n ngy 21.05.2016

1.SA qun khng ly du tay=> SA s b th cnh co.


2.SA s dng du vn tay ca ngi khc lm hp ng => Th
3.Quy trnh ly du vn tay ch p dng cho hp ng TW v CD
4.Tt c cc hp ng TW v CD u phi ly du vn tay k c hp n
5.My b li khng ly c du vn tay => Khng lm hp ng
6.My b li => SA ly du vn tay ri , data chy ra khng c
7.My b hng, bo helpdesk ri cng khng lm hp ng

Cch khc phc:

1.Ly du vn tay trc khi gi hp ng , c ly du vn tay trc


2.Lu nhng shop c camera quay c lc SA c ly du vn tay ca
3.

yu cu 100% SA chp hnh mn hnh nh bn di ( y

4.Vic SA copy s hp ng t Hosel sang cng s hay b thiu s cui =


5.SA rotion s d qun hn v khng trc thng xuyn => Nhc nh th
6.Yu cu SA dn 1 dng ch tht to trc mt bn

: Nh ly

m hp ng => Th
p ng TW v CD
u vn tay k c hp ng Cancel hay Reject
ng lm hp ng
y ra khng c
m hp ng

y du vn tay trc , sau khi gi hp ng c s hp ng ri mi paste s hp ng vo mn hnh ly d


A c ly du vn tay ca khch hng , phi quay c s hp ng v mn hnh ly du vn tay thnh cng

nh nh bn di ( yu cu c c s hp ng ) => gi v cho DSM cui ngy lm vic

s hay b thiu s cui => cn thn khi copy paste


g xuyn => Nhc nh tht k SA rotion

bn

: Nh ly du vn tay

ng vo mn hnh ly du vn tay ri gi i.
du vn tay thnh cng => gii trnh c

ui ngy lm vic

Cp nht n ngy 21.05.2016

HNG DN DNG
Code/M
HCR01
HCR02
HCR03
HCR04
HCR05

HNG DN DNG M NI B
Description/M t
Khng dng m ni b
Khch hng c thng tin xu
Khch hng c du hiu nghi ng gian ln
Nghin hoc say xn
T chi bi i th

Cp nht n ngy 21.05.2016


5. Kim tra th sinh vin/ th hc vin

- Hnh chp ca khch hng phi th hin trn th


- H tn cn trng khp vi H tn trn CMND v Giy ngh vay vn
- Thng tin ngy, thng, nm sinh cn trng khp vi Thng tin trn CMND
v Giy ngh vay vn
- tn trng khch hng hc cn trng khp vi Thng tin khch hng
cung cp trn Giy ngh vay vn
- Phn s th sinh vin: nhp ng vi m s th c th hin trn th
sinh vin
- Trng d liu ni lm vic: nhp ng trng hc th hin trn th sinh
vin

Trng hp Th Sinh Vin ca Khch hng khng th hin y


thng tin nh yu cu (H tn, ngy thng nm sinh, tn
trng, hnh), yu cu Khch hng b sung Giy chng
nhn/xc nhn Sinh vin c du mc ca trng.