中文┊ English 缅文
uyfa&m*gjzpfyGm;rIaMumifh tdrfacs;aiG tcsdefrDrqyfEdkifvQif b,fvdkvkyf&rvJ
Date:2022-04-18    
    uyfa&m*gjzpfyGm;rIaMumifh tdrfacs;aiG tcsdefrD rqyfEdkifvQif b,fvdkvkyf&
rvJ  Industrial and Commercial Bank of China (ICBC)bPf?  Agricultural
Bank of China(ABC)bPf? Bank of China(BOC)bPf? China Construction 
Bank(CCB)bPf?  Bank of Communications(BCM)bPf  ponfhtpdk;&ydkif
bPf 5 ckwdkYonf uyfa&m*gaMumifh udk,fydkiftdrfacs;aiG customer tm; t&pf
us jyefqyfcsdefa&TUqdkif;wdk;jr§ifhjcif;? acs;aiGqyfcsdefumv xyfwdk;jcif;? aiGacs;
jcif;tpDtpOf ajymif;vJjcif;ponfh 0efaqmifrIrsm;udk  tajctaet& wdk;jr§ifh
0efaqmifvsuf&SdaMumif; 7 &ufaeYwGif pif[Gmowif;axmuftm; oD;oefYwHkY
jyefrI xkwfjyefcJhonf/
    ICBC bPfu ¤if;bPfonf udk,fydkiftdrfacs;aiG0efaqmifrIudk txl;tav;
xm;aomaMumifh udk,fydkiftdrfacs;aiG customer twGuf acs;aiGjyefqyfcsdefxyf
wdk;jr§ifhaom 0efaqmifrIay;xm;onf/
    ABC bPfuvnf;  uyfa&m*gaMumifh  tcsdefqdkif;ay;jcif;?  twdk;'PfaiG
avQmhcsuif;vGwfay;jcif;?  tcsdefvGefaeaom  Credit investingation  rsm;udk 
azsmufzsufay;jcif;ponfh acs;aiGjyefqyfcsdefaemufqdkif;ay;yg&ef avQmufvTm
wifvmaom customer twGuf qdkif&mpnf;rsOf;owfrSwfcsufrsm;ESifhudkufnD
oltm; udk,fydkiftdrfacs;aiG ay:vpDudk cHpm;cGifhjyKxm;ygonf/ customer wdkYrS 
acs;aiGvkyfaqmifay;aombPf odkYr[kwf taumifhrefae*smESifhqufoG,fum 
rnfodkYvkyfaqmif&rnfESifh vkyfaqmif&ef vdktyfonfhtcsuftvufrsm;udk ar;
jref;pHkprf;EdkifouJhodkY qm;ApfpifwmodkY zkef;jzifhqufoG,far;jref;Edkifonf? cus-
tomer service staff u customer wdkY\qdkif&mtcsuftvufrsm;udk pkpnf;NyD;
customer tdrfacs;aiGvkyfaqmifaombPfodkY ydkYaqmif&onf/
    BOC bPfu vufudkifzkef;bPftGefvdkif;ay:wGif acs;aiGqyfjcif;? tdrfacs;
aiG jyefqyfcsdefxyfwdk;jcif;?  t&if;aiGqyf&if; twdk;ay;jcif;udk aemufqdkif;ay;
jcif;? acs;aiG y½dkrdk;&Sif;umvwGif; wpfudk,fa& tdrfacs;aiGtmrcHrl tygt0if 
&Sef[dkif;? *sDvifponfh uyfa&m*gjzpfyGm;aeqJa'orsm;&Sd bPfcGJXmersm;u cus-
tomer wdkY\ vdktyfcsufawmif;qdkcsufrsm;udk tm;wufoa&mwHkYjyef&ef vrf;
nTef&if; udkApfa&m*gul;pufcH&NyD; aq;½HkwufukocHaeol odkYr[kwf uGm&ef
wif;0ifaeol? uyfa&m*gumuG,fxdef;csKyfa&;wGif yg0ifxrf;aqmifaeaom
0efxrf;ESifh uyfa&m*gaMumifh tvkyfvufrJhjzpfum 0ifaiGr&Sdjzpfaeaom cus-
tomer rsm;tm; y½dkrdk;&Sif;rlcHpm;Edkif&ef taumiftxnfazmfaqmif&Gufum uyf
a&m*gaMumifh vlrIpD;yGm;a&;xdcdkuf'PfcH&aom jynfolrsm;twGuf aiGa&;aMu;
a&;u@0efaqmifrIudk aumif;rGefpGm qufvufvkyfaqmifaeaMumif; azmfjyyg
onf/
    CCB bPfuvnf; udkApfa&m*g jzpfyGm;vmcsdefrSpí tdrfacs;aiG t&pfus
qyfjcif;? pm;oHk;olacs;aiGponfh 0efaqmifrIudk wHkYjyefonfhtaejzifh uyfa&m
*gumvtwGif;  acs;aiGqyfcsdef  xyfwdk;jcif;ponfhqdkif&m  0efaqmifrIrlrsm;
xkwfjyefcJhNyD; ,aeYcsdefxdtusdK;oufa&mufaeqJjzpfonf/ t"du0efaqmifrI 
3 rsdK;&Sdonfhteuf yxrrSm umvwdkacs;aiGqyfcsdefudk 28 &ufxdwdk;jr§ifhjcif;?
acs;aiGqyfcsdefwdk;jr§ifhumvtwGif; jyefqyf&ef ravmjcif;? Credit investinga-
tion udk rxdcdkufapjcif;? 'kwd,rSm aiGacs;jcif;tpDtpOfudk ajymif;vJjcif;? a'o
e,fy,f\ uyfa&m*gtajctaetvdkuf tcsdefumvtqifh aiGacs;jcif;tpDt
pOfudk ajymif;vJEdkifonf? ¤if;tcsdefumv\ acs;aiGqyf&ef aiGtarmifhudk avQmh
csay;jcif;? avQmhcsay;aomtydkif;udk  a&TUqdkif;aomaemufvrsm;wGif  jyefqyf
jcif;? wwd,rSm acs;aiGjyefcsdefumv wpfckvHk;udk qdkif;iHhjcif;? oufwrf;ukef
qHk;&ufudk a&TUqdkif;jcif;? t&pfusjyefqyfaiGtarmifhudk avQmhcsay;jcif;wdkYjzpf
onf/
    BCM bPftaejzifhvnf; udkApfa&m*gjzpfyGm;vmuwnf;u t&pfustdrf
acs;aiG customer rsm;tm; tcuftcJ ajzavQmhay;onfrlxkwfjyefNyD; acs;aiG
jyefqyf&ef tcuftcJ&Sdaom customer rsm;twGuf &uftuefYtowfjzifh jyef
qyfcsdefudk a&TUqdkif;ay;onf/ txl;ojzifh uyfa&m*gumuG,fxdef;csKyfa&;wGif 
yg0ifxrf;aqmifaom0efxrf;rsm;? tpdk;&0efxrf;rsm;ESifh ¤if;wdkY\ tdrfaxmif
zuf? a&m*gtwnfjyKcH&ol? uGm&efwif;0ifae&olESifh uyfa&m*gaMumifh xdcdkuf
qHk;&HSL;cH&onfh vkyfief;&SifESifh tvkyfvkyfolwdkYudk t"duOD;pm;ay; aqmif&Guf
vsuf&Sdonf/ customer rsm;taejzifh tdrfacs;aiG vkyfaqmifay;aombPfrsm;
xH avQmufvTmwifum a'otoD;oD;&Sd bPfrsm;u bPf½Hk;csKyf\ rlnTefMum;
csuftwdkif; pdppfum owfrSwfcsufESifhudkufnDoltm; jyefqyfumv qdkif;iHhcGifh
ay;rnfjzpfonf/
    vuf&SdwGif  tdrfacs;aiGjyefqyfumv  qdkif;iHhcGifh avQmufvTmwifolrsm;o
vm;/ CCB bPfu ,ckESpf rwfvukefxdwGif avQmufvTmwifol (10)odef;
0ef;usif&SdNyD; ,GrfaiG 430 bDvD,Hausmf tdrfacs;aiGtwGuf jyefqyfumvqdkif;
iHhcGifh 0efaqmifrIay;xm;NyD;jzpfonf/ ,ckESpfumvwGif; uyfa&m*gtajctae
cufcJqdk;0g;aom *sDvifa'owGif tdrfacs;aiGtwGuf jyefqyfumvqdkif;iHhcGifh
avQmufvTmwifol (1150)ausmf&SdNyDjzpfonf/
    BCM bPfonf ,ckESpfuwnf;u &Sef[dkif;? &Sdef;usdefY? *sDvifponfh a'
orsm;wGif uyfa&mgtajctaeydkqdk;0g;onf? BCM bPfu customer tcsdKU
\avQmufvTmpmrsm;udk wzGJzGJvufcH&&SdNyD;  bPfcGJrsm;u  a'orl0g'tvdkuf 
tcsdefESifhwajy;nD ajz&Sif;ay;vsuf&Sdygonf/ vuf&SdwGif t&pfus tdrfacs;aiG 
assets rSm wnfNidrfaumif;rGefvsuf&SdNyD; tenf;i,fnHhaom taetxm;jzifh
vnfywf&Sdonf/
    tdrfacs;aiGjyefqyfcsdefausmfvGefygu Credit investingation udk xdcdkufEdkif
ygovm;?  ICBC bPfu jyefqyfcsdef aemufa&TUqdkif;onfhumvtwGif; cus-
tomer tm; Breach of contract emrnfpm&if;xJrxnfhoGif;yg? xdkYjyif customer
\Credit investingation udk umuG,frIay;aom 0efaqmifrIudk xyfrHcdkifrmap
rnf/ CCB bPfuvnf; uyfa&m*goufa&mufrIaMumifh jyefqyfum qdkif;iHh
jcif;owfrSwfcsufESifhudkufnDaom   customerCredit investingation udk
umuG,frIay;onfhtjyif Credit investingation uefYuGufcsufrsm;vufcH&ef 
tpdrf;a&mifvrf;aMumzGifhvSpfum customer \tcGifhta&;rsm;udk tm;wdkuftif
wdkuf tmrcHumuG,fay;rnfjzpfaMumif;ajymonf/                 (qif[Gm)