ĐỀ TÀI: GIẢI PHÁP NHẰM NÂNG CAO CHẤT LƯỢNG HOẠT ĐỘNG TÍN DỤNG DOANH NGHIỆP CỦA NGÂN HÀNG THƯƠNG MẠI TẠI NGÂN HÀNG VIETCOMBANK - CHI NHÁNH HẢI

8/2/2019 TI: GII PHP NHM NNG CAO CHT LNG HOT NG TN DNG DOANH NGHIP CA NGN HNG THN

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5/35


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9/35


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0:

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11/35


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13/35


01

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14/35


08

0$ Mfb xfl df s pyrx df afk s`r/ Afb dfdf zfb xyd xf aa pyr df aobd py`d mfaf a` zfz oyx s DFDX &ebb fd xd hde/ mfy sa y x/

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15/35


09

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16/35


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17/35


05

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18/35


06

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19/35


02

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20/35


>:

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21/35


>0

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22/35


>>

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23/35


>1

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24/35


>8

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25/35


>9

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afdf mf mfd/ qd zfl mfde a xdf adf x~`df a`k x~d xf x~de$

Pyr x~df xd hde a xfa fbd lx aaf afx af/ ade xa xfl df xd

hde a xbd fdf xfd x~de$ Xfl sk / ded fde oyd af x~de xde ade

ade xa mbl x~` mbl qkx xd hde$ b ml sb sba ebb ded o sba xfbx oz f q

s`r/ mbl qkx afde x ebb ded/ mbl x~` ebl qxsd s`r/ b qy mbl x~` xde

ade x~df/ h d s`r sd/ ebl qx ebb ded xfik xbd xfb ade xde ade x~df/

xde fde la l nk hk`df defbzq hde sd s`r de la af/ fd af dla xfz dfx ~b ~k xd hde$

Nd adf / ded fde `de xde na fbd b fk a q sx afx/ ebz afk

sba xfik hb xfde xbd xd hde a df`df afde s afdf va$ Ade xa eb`k haf/

zfa s mfaf fde a dfby b lb xfik zfkde aaf fbd b sd lbdf/ oaf q$ Aa

ad n xd hde a a b fa aa oz ded fd dfl dde a`k x~df afyrd ld$


26/35


>3

Xde mx ob/ x~kde dfde dl py` afx ode xd hde b sb hk`df defbzxb

Sbixakln`dm Fb Hde `de hd a dde ods x a dfde mx py ~x

de mfaf o$

AFDE BBB7 ZFDE FDE/ EBB ZFZ DFL DDE A@K FBY

PY FKX DE XD HDE HK@DF DEFBZ XB SBIXAKLN@DM FB

HDE

1$0 df fde/ la xby zfx x~bd xd hde hk`df defbz a` Sbixakln`dmFb Hde x~kde dfde dl xb

Dfl r ldf sba fyr de sd afk aa Hk`df defbz/ DFDD af kaa ded fde xde ade fyr de aa deyd sd x~kde da nde sba ` hde f`

fdf xfa s`r xbd x hd a/ dfby fdf xfa haf s x~bd mf`b$ d d`r/ a da

a x~d 9::$::: Hk`df defbz$ b ade sb akd q dr xx ry ad lxode sd

od a z de$

Vx x~d pyr l aa Hk`df defbz/ r ooa ode af afxa` dd mbdf x/

de xfb a dfby xbl dde zfx x~bd$ b sb Sbixakln`dm/ Ded fde `de x~bdmf`b lx q ebb zfz xbz xal ~de b xde mfaf fde Hk`df defbz/ x~kde

af x~de fde fkd xfbd aa qd zfl/ k xk ad n afyrd x~af dfl mfaf

fde Hk`df defbzs xl aa deyd sd lb f x~$

de x~a vy xf zfx x~bd afyde a` dd mbdf x s ry ay ~bde a`

Sbixakln`dm/ Sbixakln`dm Fb Hde pyrx xl xfa fbd xx lx q la xby q`y7

S ade xa zfx x~bd deyd sdXbz xa r ldf ade xa fyr de sd/ zfd y xde x~de deyd sd/

a nbx o deyd sd x~yde s hb fd/ deyd sd ~/ l ~de lde ob fyr de

lx aaf fz o$

Ade xa zfx x~bd deyd sd zfb xfde vyrd nl qx xf x~de/ xde

ade l ~de mf`b xfa aa mfaf fde a deyd xbd dfd ~b od$


27/35


>5

A afdf qaf ob qyx zf fz/ xde ade ol xx afdf qaf afl qa mfaf

fde/ a nbx eb ed s zfx x~bd py`d f ed n lx xfbx sb mfaf fde od/ mfaf

fde x~yrd xfde a` Afb dfdf$

Ol xx ade xa pyde n fdf df a` Afb dfdf py` aa zfde xbd xfde

xbd b afde/ py` aa lb py`d f a` Afb dfdf ade df a` xde ad n ade

dfd sbd xkd afb dfdf$

Xz x~yde dde a`k defbz s/ xa zfkde zfa s a` xde ad n eb`k haf$

Mfid xfde xfk de sb dfde xz xf/ a dfd a xfdf xaf x~kde ade xa

mf`b xfa fyr de sd$

S ade xa y x xd hdeZfd y xde x~de h d odf ldf/ `dxkd s fby py b sb lb xfdf

zfd mbdf x$ Zfd xaf df eb xf ldf xde mfy sa/ xde dedf def/ xde hk`df

defbzqd vyx mbdf hk`df a fby py/ af de xbz xf$

Ad oyd py`d xl d afx ode xd hde/ akb x~de xdf `d xkd s mf dde

xfy fb d a` aa mfkd s`r$

Xaf aa l ~de py`d f sb dfde mfaf fde xbl dde/ a xdf fdf xb

afdf odf ldf/ d df/ a afbd oa mbdf hk`df xx y x$ Ol xx ade xa

xfl df/ o` afd dfde h d a xdf mf xfb a`k y x$

Vr hde a afbd oa mbdf hk`df a xf/ ade df va df a oa

ode mfaf fde afbd oa a` Afb dfdf$

L ~de ` hde fk aa b xde mfaf fde y x afk s`r dfl ebl

xfby ~b ~k$

A ay ob mfaf fde xfik fde ebl hd h d afk s`r b sb dfde mfaf

fde a xdf fdf xb afdf ry ml/ zfde d mbdf hk`df mfde fby py$ b sb

dfde mfaf fde a d eb` fd/ d py fd/ xz x~yde d a/ xfik hb afx af aa

deyd xb afdf a` hk`df defbz/ nl qx xdf fdf fkx de mbdf hk`df a` hk`df

defbz/ xfik qx xde ade x~df/ xde fde la/ xde h d y x ~` nbd zfz

xfy d$ Xde ade n qyde XQN dfl ebl xfby ~yb ~k a xf vr ~`$


28/35


>6

Xde ade ol xx ade xa mbl x~`/ mbl qkx fkx de xd hde$ Ab xbd

zfde zfz/ afx ode/ fby py ade xa mbl x~`/ mbl qkx db n/ zfx fbd s

af k mbd pyrx mfa zfa q`b qx/ xd xb$

S ade xa zfx x~bd aa qd zfl haf s Ded fdePy`d xl d afx ode aa okb fdf haf s Ded fde dde a`k qa adf

x~`df/ lx mfa dfl xde x x~de xfy haf s zf ded fde x~kde xde xfy dfz$

Af x~de xz x~yde ebb xfby zfx x~bd ldf aa okb fdf haf s ded fde

df haf s afyrd xbd/ xfy f/ haf s afb x~ mby fb/ haf s nk odf/ l O+A$

a nbxzfx x~bd ldf aa haf s ayde az aa qd zfl xf df xf @XL/ xf

SBQ@,L@QXI^/ l ~de aa bl afz dfd xf$

Xde ade r ldf sba l zfd m mx aa fz de ayde az haf s sb

dfde mfaf fde a py`d f sb Afb dfdf/ a nbx o dfde mfaf fde a py`d f

xd hde$

1$>$ Aa ebb zfz dfl dde a`k fby py xd hde hk`df defbz a`Sbixakln`dm Fb Hde

Fb dfz pya x s `de x~ xfdf ry ay xx ry b sb lb pya eb`

x~kde by mbd vy xf xkd ay fk lb fkx de xfde lb/ haf s$ Ol xf dk

xd xb s zfx x~bd x~kde lb x~de adf x~`df der ade e`r ex sb dfde b

xf adf x~`df r xbl oa s eby mbdf defbl `de o lx ay fb od x ~` afk aa

hk`df defbzdb afyde s ded fde xfde lb &DFXL" Sbx D`l db ~bde$ Lx

ay x~ ob mf d ebd dfde ob mfde h xfa fbd afk xx a aa hk`df defbz / aa

DFXL Sbx D`l h o DFXL pya hk`df d DFXL a zfd/ f`r d s qd vyx

mbdf hk`df o zfb d oa dde a`k qa adf x~`df/ xde ade fz xa a xf

fb dfz xfde ob$ A ~x dfby zfde xfa mfa df`y dde a`k qa ldf adf

x~`df$ L lx x~kde dfde zfde xfa fby py dfx o dde a`k afx ode xd

hde$

Dde a`k ade xa xfl df mfaf fde s zfde d/ h d s`r sd


29/35


>2

Xfl df zfde d/ h d qd vyx mbdf hk`df o na y xbd x~kde pyr

x~df xd hde$ r o na py`d x~de dfx/ pyrx df afx ode a` fkx de xd

hde$ Xd hde o fkx de qbdf ob od dfx dfde ~b ~k a`k dfx afk DFXL$ A

dfby mfkd xb x~ l xd xfx a xf afbl zfd od sd afq fy/ r ded fdexb zf qd$ Hk sr/ aa ded fde zfb ad dfa m ode/ a ode mf dde ~b ~k

s qbdf ob mfb pyrx df xb x~$ o lx x~kde dfde dfbl s a` ade xa xfl

df x~a mfb xb x~$ Db hyde a` xfl df dfl va df yr xd/ x aaf zfz o/

qa ldfxb afdf s mf dde xf`df xkd a` deb s`r/ $$$ x~kde py mf/ fbd xb s

xde o`b/ fby py a` h d/ $$$ $

X~kde lb x~de adf x~`df der ade e`r ex eb` aa ded fde/ mfaf

fde b fb ded fde zfb xfa fbd pyr x~df xfl df df`df/ ed s xaf mbl afb

zf$ Hk sr/ xkd n pyr x~df zfb dfl xfa fbd xfik deyrd xa xd hde ded

fde s xfa fbd de xfik afbd oa xd hde a ~`/ ade df zfb obdf

fkx x~kde sb xde x~de fz a xf$

X~kde py x~df df eb xdf mf xfb a` h d/ ad n xfl df ad zfb obdf

fkx o` afd aa af xby xb afdf de xfb zfb a q qk qdf b afby sb dedf

def xde de$ Mfb df eb ~b ~k a` h d/ ad n xfl df ade ad a m dde

zfd xaf/ h nk dfde nbd de lb x~de mbdf hk`df a` HD a xf k ode

lx aaf xx dfx aa ry x nd dekb a xf xa de d fby py a` h d$ b sb

h d a xfb eb`d hb xf dfx xfbx ad n xd hde zfb x h d x~kde vy xf nbd

de a` lb x~de zfd xaf$

Df sr dde a`k afx ode xd hde xf ade xa xfl df h d/ mfaf

fde b fb zfb a pyr x~df afx af/ xfde dfx/ mfaf py`d s obdf fkx$ Xfb eb`ds afb zf xfl df ade o dfde ry x ad a af nd adf afx ode xfl

df$ Fbd d`r/ de x~a lb x~de adf x~`df aa ded fde ad zfb l nk a

1 ry x7 afx ode/ xfb eb`d s afb zf xfl df$

Dde a`k afx ode xfde xbd xd hde

X~kde lx dd mbdf x fbd b/ xfde xbd de s`b x~ s ade py`d x~de b

sb nx m pyrx df dk a` HD a nbx x~kde odf sa xbd x$ Xfde xbd ade aakb o deyd xb deyrd py eb/ s xf sba mf`b xfa s q hde d xa de ~x od


30/35


1:

xb fkx de a` DFXL$ X~kde fkx de xd hde a` DFXL/ xfde xbd ad zfb

r / mz xfb s afdf va$

Xfde xbd a xf a xfy xfz x 1 deyd af ry o7 zfde sd x~a xbz/

xfde py` aa x~yde eb`d fka xl mbl/ xfde py` aa xfde xbd a a nk ak x

deb s`r$ Ded fde q hde aa xfde xbd dr dfl df eb mf dde xb afdf a`

mfaf fde/ mf dde qbdf ob a` h d s dfde ~b ~k a xf vr ~` dy mfaf fde

mfde x~ fka x~ mfde r / eb x~ xb qd l nk a xf zfx lb mfb ad xfbx$

a xf dde a`k afx ode xfde xbd xd hde xf x~a fx ded fde zfb

x vr hde afk ldf lx f xfde xfde xbd mfaf fde/ mfde af o dfde mfaf

fde pyid xfya a py`d f xd hde sb ded fde l ad n`k el a dfdemfaf fde xbl dde$ Aa xfde xbd s mfaf fde ad a zfd okb de`r x mfb xfy

xfz$ Ad a nbx af xb mfaf fde la xby$ Dekb sba xfy xfz aa xfde xbd s

mfaf fde xf ded fde ade ad zfb xl fby xfde xbd xf x~de/ xfde xbd s aa

afdf qaf/ pyr df a` DD/ dfde xfde xbd s aa b xf adf x~`df$$$ Q`y mfb xfy

xfz xfde xbd xf sba v o/ zfd okb xfde xbd ade s ade py`d x~de$ D eb z afk

deb q hde a xf mf`b xfa xfde xbd lx aaf df`df afde s fby py dfx$

Fbd d`r/ lb x~de mbdf hk`df mfde dede nbd de hk da x` `de

x~kde py x~df zfx x~bd/ fb dfz sb mbdf x xf ebb/ xdf fdf mbdf x ade df xdf

fdf afdf x~ a` dfby da mfde d df/ dd mbdf x x~kde da ob a ol zfx

mf od x~kde dfdedl ed r$ Dfde by dr df fde mfde df d xdf

fdf qd vyx mbdf hk`df a` aa Hk`df defbz/ hk sr afx ode xd hde Hk`df

defbza` ded fdeade afy df fde mfde df$ by dr ade b fb ade xa

xfy xfz/ v o xfde xbd a` ded fde zfb a dde a`k dfl h nk x~a vyfde nbd de a` lb x~de mbdf hk`df x~kde xfb eb`d xb/ x~d a q ebl

xfby ~b ~k xd hde$

Dde a`k x~df defbz s a` b de ad n

Ry x akd deb a xl py`d x~de a nbx x~kde lb fkx de v fb db

afyde s fkx de mbdf x db ~bde$ a nbx x~kde fkx de ded fde xfde lb/

ry x ad n a s`b x~ ~x py`d x~de nb s mfa sb aa fkx de mbdf hk`df mfa/q fkx de a` akd deb zfb ad a sk a bl mfa df`y a` b xde mbdf


31/35


10

hk`df af ry/ ad x~kde mbdf hk`df ded fde/ b xde mbdf hk`df af ry o xbd

x$ S sr/ ry ay b sb ad n ded fde mfde af a`k afyrd ld defbz

s l ad zfb a k a def defbz$

dde a`k afx ode xd hde xf mfde af ad dde a`k x~df defbz s

a` b de ad n xd hde l a b de ad n a` xkd ded fde/ s fkx de

af ry a` lx DFXL o fkx de xd hde/ fkx de dr obd py`d d ~x dfby

mfy a` f xfde$ Hk fkx de xd hde a xbd fdf lx aaf x~b afr s

df`df afde xf ad zfb a lx oa ode ad n a x~df afyrd ld a`k/ xa

zfkde ol sba fbd b x~kde xkd ded fde$

Afbd oa zfx x~bd s k xk dfd q zfb a x x~kde q zfx x~bdafyde a` xkd ded fde xfde py` afdf qaf xyrd hde/ k xk/ ode/ xfde/

n x~ q hde by afyrd xfik pyr df/ zf fz dfl vr hde/ zfx x~bd dde a`k

s fkd xfbd b de ad n zf fz sb ry ay zfx x~bd a` ded fde/ s ry ay

der ade a`k a` mfaf fde$ zfb o b de ad n a n x~ de afyrd

ld/ mf dde/ a x~df defbz s/ a dde oa zfl afx xx/ a xfa m oyx s

x~af dfbl def defbz a`k/ a xa zfkde ol sba mfk` fa$

r ldf ade xa l`~mixbde/ pyde ak

df fde xf x~de x~ xfdf by mbd xbd pyrx x~kde fkx de a` aa

DFXL der d`r$ A ed sb xf x~de/ fby a q sd de a` xf x~de/ dl

nx a q nbd b obd xa a` dfy ay mfaf fde x~d xf x~de ade df mf

dde xf`l eb` a` nd xfd ded fde ldf xf lb a xf a dfde afdf qaf fz o

dfl zfx fyr xb ` db oa/ ebdf or xf zfd$ Df sr DFXL dk a ed mx

sb xf x~de ade a`k/ mf dde xfdf ade a` ded fde ade od s dea ob$Nd afx a` l`~mixbde o py x~df va df aa mf dde xbl oa a` ded fde

ade df xl fby dfy ay a` xf x~de x~d a q va oz s x~bd mf`b aa ebb

zfz l`~mixbde a xf$ Db aaf mfa/ xkd n aa fkx de ed mx eb` ded fde

s xf x~de df dy x~d y xfya zfl sb a` fkx de l`~mixbde$ S sr/

a xf mfde df l`~mixbde o ade a mx db fkx de a` DFXL sb xf x~de$

Sb ade a l`~mixbde/ ded fde a mf dde xfy xfz dfde xfde xbd smfaf fde/ ade df s aa mfaf fde xbl dde a` ded fde$ Py` / ded fde


32/35


1>

dl a afdf va dfde bl ldf bl ry x~kde fkx de xd hde hk ded

fde ayde az$ Lx mfb dl a bl ldfs bl ry a` ldf xf aa ded

fde q h hde fd x~kde sba ~` dfde pyrx df s lx afbd oa zfx x~bd x~kde

xfb eb`d q`y$ Df / afx ode xd hde a` ded fde der ade a dde a`k/ol xde mf dde adf x~`df a` ded fde$


33/35


11

MX OYD

Q`y 2 dl xfdf oz s zfx x~bd/ Sbixakln`dm Fb Hde oyd d oa fxldf dfl dde a`k yr xd a` ded fde x~kde f xfde Sbixakln`dm db ~bde s f

xfde ded fde Sbx D`l db afyde$ Ade sb q zfx x~bd s fb dfz a` dd mbdf

x/ ded fde oyd a ede ol xx lb dfbl s a eb`k/ dde de obdf fkx x~kde

fkx de mbdf hk`df$ Ded fde oyd af de ` hde fk mfaf fde/ l ~de xf

x~de$ Mfaf fde a` ded fde mfde af dl x~d ` nd Fb Hde l

sd v` ~` dfby xdf xfdf x~kde a da$

X~kde vy xf zfx x~bd der ade df`df a` aa Hk`df defbz/ ded fde

saf ~` afbd oa dfl mf`b xfa lx aaf a fby py b xde mfaf fde dr$

X~kde xfb eb`d py`/ fkx de xd hde b sb Hk`df defbz a` Ded fde x

a ~x dfby dfde mx py de mfaf o/ xyr dfbd sd xd xb dfde fd af s

mf mfd$ ebb pyrx a dfde fd af dr xf ~x ad q d oa a` xkd n

Ded fde ade sb q ebz / f x~ de n eb` aa a py`d Df da/ Afdf

zf/ DFDD ade df q ebz a` Sbixakln`dmXU$

Py` xfb eb`d defbd ay xb/ il fa fb a ~x dfby by s fkx

de xd hde a` DF b sb Hk`df defbz$ Il vbd afd al d aebk fde hd

Xfa q X~d Xf Ode Ndf s aa ad n zfde Mfaf fde Afb dfdf

Sbixakln`dm Fb Hde ebz il fkd xfdf nk ak dr$

H`df la xb oby xf`l mfk Nk ak xde mx fkx de mbdf hk`df dl >::6 Nk ak xde mx fkx de mbdf hk`df dl >::2 Nk ak xde mx fkx de mbdf hk`df dl >:0: Pyr x~df xd hde a` Sbixakln`dm Fb Hde Ebk x~df Ded fde xfde lb EQ XQ$ Deyrd Sd Xbd Bdxi~dix


34/35


18

LA OA

OB L Y

AFDE B7 DFDE SD O OYD A ND S FKX DE XD HDEHK@DF DEFBZ A@ DFXL 0

0$0$ Mfb pyx s xd hde DFXL 0

0$0$0$ Mfb dbl xd hde ded fde 0

0$0$>$ a x~de a` xd hde ded fde 0

0$0$1$ Zfd okb xd hde ded fde>

0$>$ Xd hde hk`df defbz a` DFXL 1

0$>$0$ Mfb dbl/ a bl1

0$>$>$ Deyrd xa afk s`r 1

0$>$1$ Pyr x~df az xd hde afk hk`df defbz 6

AFDE BB7 XFA X^DE FKX DE XD HDE HK@DF DEFBZ XBSBIXAKLN@DM FB HDE 0>

>$ 0$ Mfb pyx afyde s Sbixakln`dm Fb Hde 0>

>$0$0$ Ebb xfby afyde 0>

>$0$>$Aa fkx de mbdf hk`df a` Sbixakln`dm Fb Hde 01

>$0$1$ Dfde xfdf xaf db nx a` Sbixakln`dm Fb Hde 08

>$>$ Mx py fkx de mbdf hk`df s xdf fdf fyr de sd a` Sbixakln`dm Fb Hde dfde

dl ed r 08

>$>$0$ Mx py fkx de mbdf hk`df 08

>$>$>$ Xdf fdf fyr de sd 09

>$1$Xfa x~de fkx de xd hde hk`df defbz xb Sbixakln`dm Fb Hde x~kde xfb eb`d x

>::6 d d`r06

>$1$0$ Af xby xde x~de xd hde06

>$1$>$ Af xby d a l nk 06

>$1$1$ Af xby d vy >0

>$1$8$ Af xby ob dfyd afk s`r >0

>$8$df eb afyde s fkx de xd hde hk`df defbz xb ded fde >>


35/35


AFDE BBB7 ZFDE FDE/ EBB ZFZ DFL DDE A@K FBY PYFKX DE XD HDE HK@DF DEFBZ XB SBIXAKLN@DM FB HDE

>8

1$0$ df fde/ la xby dfl dde a`k fby py fkx de xd hde hk`df defbz xb

Sbixakln`dm Fb Hde x~kde dfde dl xb >8

1$>$ Aa ebb zfz dfl dde a`k fby py xd hde hk`df defbz a` Sbixakln`dm Fb Hde

>3

MX OYD 10

H@DF LA XB OBY XF@L MFK

XDE MX X XFA XZ EB@ MF@

DFD VX A@ A PY@D DB XFA XZ

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