20-vbhn-nhnn van ban hop nhat ve quy che cho vay cua tctd

7/25/2019 20-VBHN-NHNN Van Ban Hop Nhat Ve Quy Che Cho Vay Cua TCTD

1/17

CQNG HOA XA HQI CHD NGHIA VItT NAM

DOc gip - Ty do - Hynh pink

QUYET NNE

V e

viec ban M inh Quy the cho vay caa to chin tin dung dO i voi khfich hang

Quyet dinh so 1627/2001/QD-NHNN ngay 31 thang 12 nam 2001 dm

Thiing doe Ngan hang Nha nu6c Viet Nam ye viec ban hanh Quy ch8 cho vay

cua

to

chirc tin dung 40 1 voi khach hang, co hieu lyc ke to ngay 01 dieing 02 nam

2002 , dugc suer d6i,b6 sung bai:

1.

Quyet dinh s6 28/2002/QD-NHNN ngay 11 thang 01 nam 2002 cita

Thiing dew Ngan hang Nha nu& Viet Nam ve sira Mi Dieu 2 Quyet dinh s6

1627/2001/QD -NH NN ngay 31/12/2001 cila Thong Mc N gan hang Nha nuorc v8

viec ban hanh Quy ch8 cho vay cua

t6

chire tin dung

hach hang, c6 hieu

lye Ice tir ngay 11 thang 01 nam 2002 ;

2. Quyet dinh

so

127/2005/QD-NHNN ngay 03 thang 02 Want 2005 dm

Thong doe

Ngan hang Nha nueic Viet Nam

ve

viec sfra dei, b6 sung m ot

s o

dieu

cua

Quy the cho vay cua

to

chile tin dung

61 khach hang ban hanh theo

Quyet dinh

s i c

1627/2001/Q13-NI-INN ngay 31/12/2001 dm Th6ng doe Nan

hang Nha nuec, c6 hieu lyc ke tir ngay 7 thang 03 ream 2005;

, 3. Quyet dinh

s6

783/2005/QD-NHNN ngay 31 thang 5 nam 2005 dm

ThOng doe Ngan hang Nha nu& Viet Nam ve viec sfra doi

, b6 sung Khoitn

, 6

Dieu 1 caa Quyet dinh so 127/2005/QH-NHNN ngay 3/2/2005 dm Thong doe

Ngan hang Nha mac ve viec sira b6 sung met so diet' elm Quy the cho vay

cua

to chirc tin dung doi voi khach hang ban hanh theo Quyet (nub so

1627/2001/QD -NHN N ngay 31/12/2001 dm Thong

dot

Ngan hang N ha ntr6c, c6

hieu lac k'e tit ngay 23 thang 6 tram 2005;

4. Thong to s6 33/2011/TT-NH NN ngay 08 thang 10 nam 2011 dm T hong

d6c Ngan hang Nha nu& Via N am m ita d6i, bo sung

mot so

dieu caa Thong to s6

13/2010=-NHNN ngay 20 thang 5 nam 2010 quy dinh ve cac t91e bao dam an

town trong hoar dOng

eta to

chfrc tin dyng va Quy the cho vay cua

to

chirc tin

dung Mi voi khach hang ban hanh kem theo Quyet dinh so 1627/2001/QD-

NHNN

31 thang 12 nam 2001 caa T hing doe Ngan hang N ha nuot, c6 hieu

lac ke tir ngity 10 thang 10 nam 2011.

THONG DOC NGAN HANG NHA Nffik

Can cif Luat Ngan hang

Nha

nwat Viet Nam Ira Luat Car to chac tin clung

ngay 12/12/1997;

Can ca Ng hi Binh so 15/CP ngay 02/03/1993 czia Chinh phU ye nhiem

quyen hqn va treich nhiem quern 15 Nha nurit clic: BO , ca quan ngang BO ;


2/17

Theo di ngh i c ite , Vu trun ng Vy C hinh sach t idn W

I 2 3

4

Quyet dinh se 28/2002/QD -NI-INN ve sera doi Dieu 2 Q uyet dinh se 1627/2001/QD-NH NN

ngay 31/12/2001 dm T hong dere Ngan hang Nita nude

v e

viec ban hanh Quy the cho vay cua

to chirc tin dung doi yen khach hang c6 can dr ban hanh nhu sau:

Can err Ludt Ngcin hang Nha nude Viet Nam va Luck Cac te auk tin dung ngay

12/12/1997;

Can cu N ghi dinh se 15/CP ngay 0 2/03/1993 cita Chinh pi th ve nhiem vu, quyen hyn va

leach nhiem quan ly Nha n uik elk Bo, co quan ngan g Bo;

Theo de nghi caa V u Bluing Vy C hinh sack t ien

t0,

2

Quyet dinh

s6 I27/2005/QD-NHN N ye viec

sita661,

b6 sung mOt so dieu cira Quy the cho

vay

cda to chirc tin dung doi van khach hang ban hanh theo Quyet dinh so 1627/2001/QD-

NI-INN ngay 31/12/2001 dm T hong dee Ngan hang NM nude co can cu ban hanh nhu sau:

Can cu Luat Ngetin hang Nha w ere Viet Nam se 01/1997/QH10 ngby 12 thcing 12 nam

1997 va Lurk Sim doi, be sung mot s6 dieu cua Luat Ngdn hang Nha meek Viet Nam se

10/2003/QH11 ngay 17 thcing 6 nam 2003;

Can cu Luat Cac to chat tin dyng se 02/1997/QH10 ngay 12 (hang 12 nam 1997, Luat

SCra deli , be sung mat so dieu ct ia Luat C ac to chat t in dyng s6 20/2004/QH1 I ngay 15 thang 6

nam 2004;

Can ea. Nghi dinh se 86/2002/ND-CP ngay 05 thang 11 nam 2002 mkt Chink phit quy

dinh claire Hang

nhiem vu, quyen h gn viz ea cdu to chtk cire t ba, co quan nga ng be;

Can cif Nghi dinh se 52/2003/ND-CP ngay 19 thang 5 nam 20 03 dm Chinh phti quy dinh

elute ming, nhiem vu, quyen han va ea cau to chew elk Ngein hang Nha nu& Viet Nam;

Theo de ng hi cua Vu trtremg Vy Chinh sack tien te,

' Quyet dinh s6

783/2005/Q 0-NI-INN ye viec sda den, be sung Khoan 6 D ieu

I cba Quyet dinh

s o

127/2005/QD-NH NN ngay 3/2/2005 dm Tilting doe Ngan hang Nha nu& ye viec sira den,

be sung met so

died cua Quy the cho vay cda

t6

chk tin dung del yeti khkh hang ban hanh

theo Quyet dinh so 1627/2001/QD-NHNN ngdy 31/12/2001 cda Thong dec NS hang NM

nut co can cu ban hanh nhu sau:

Can eat Ludt Ngein hang Nha nuor Viet Nam elm 1997; Lurk stia del, be sung mat se

dieu nth Luat Ngein hang Nha mak Viet Nam nam 2003;

Can cit. Lurk Clic te chae tin dung nom 199 7; Ludt sira clef, be sung m at se dieu ezia Luat

Cac cluk tin dung nam 2004;

Can cu

Luat Ban hank van ban quy phgm phcip luat nam 1996; Luat stra doi, be sung

mat so dieu cua Luat Ban hanh van ban quy phym phcip hulk nam 2002;

Can cu N ghi dinh se 52/2003/ND-CP ;way 19 thang 5 nam 2003 cita Chinh pint quy dinh

elute ncing, nhiem vu, quyen hynva ca cau to chat mkt Ngein hang N ha nu ek Viet Nam;

Theo de nghi cita Vy truc'mg V u Chinh sack tien te,

Thong tu s6 33/2011/TT-N I-INN sera doi, be sung met s6

dieu cda Thong tu so

13/2010/TT-

NI IN N ngay 20 thang 5 nam 201 0 quy dinh ye cac tSr Ig boo dam an tok trong host Bong cda

to chide tin dung va Quy the cho vay cda to

chirc tin dyng del vol khkh hang ban hanh kern

theo Quyet dinh

so

1627/2001/QD -NHN N ngity 31 thang 12 nam 2001 cda Thong dec Ngan

hang Nha nuk co can kr ban hanh nhu saw

Can ea Luat Ngrin hang Nha mak Viet Nam so 46/2010/QH12 ngay 16 thang 6 nam

2010;

Can ca. Luat Cac te chew tin dung se 47/2010/Q1112 ngay 16 thcing 6 nom 20 10;

2


3/17

QUYET DINH

Dieu 1. Ban hanh Quy the cho vay cua to chic tin dgng doi yea khach

hang kern theo Quyet dinh nay.

Dieu 2.

5

Quyet dinh nay co hieu Ivy Ice ti ngay 01 thing 02 tam 2002.

Q uy the cho vay cila

t o

chic tin M ing doi yr% khach hang ban h inh theo Quyet

dinh nay thay the cho Quy the cho vay cua

t o chic tin dyng dOi vol khach hang

ban hanh theo Quyet dinh

s o

284/2000/QD -NHN N1 ngay 25/8/2000 dm Thong

doe Ngan hang N ha nuerc.

Dieu 3. Cac hop idling tin dung duge k9 ket tribe ngay Quyet dinh nay co

hi8u Igc nhung chu a giai ngan hoc giai ngan chua het va cac hop tong tin dung

da cho vay con du ng den cuoi ngay 31/01 /2002, thi 10 chic tin dung va khach

hang

tip

tic thgc hien thee cac thoa thuan da ky k et cho den khi tra het ng gac

va Lai van vay hoc thoa thuan sea clOi, be sung hap clang tin dung phi hop

vbi

quy dinh tai Qu y ch8 cho vay cua to chic tin dung doi vol lchich hang ban hinh

theo Quyet dinh nay.

Dieu

4.

7

8 9

Thu truing cac don vi thui5c Ngan hang N M nub; Giam dO c

chi nhanh Ngan hang Nha ntrem finh, thanh phi atm thuOc Trung uang, Hai dOng

Can ca bight c link so 96/2008/ND-C1' ngay 26 Mang 8 nam 20 08 czia Chinh phi quy dinh

char nang, nhiem vy, quyen hpn va ca coo

to' chat czia Ngein hang Nh a nude Viet Nam;

There been Nghi guy& so 11 /NQ-CP ngay 24 thong 2 nam 20 11 czia Chinh phi ve nhiing

gicii phap chit yeu tap trong Elm the lym phat, an dinh kink

t o

yr mo, bizo dam an sink hal;

Ngem hang Nha nud e Vie t Nam (sau day goi ld Ngrin hang Nho mete) sera ddi , bd sung

mat so diet , c tia Thong to so 13/2010/7T-NHNN ngay 20 thang 5 nam 2010 q uy dinh ye cac p

s

MINN ) va Quy the cho vay czia td chat t in dyng d oi vi i khach hang ban ha nh kern theo Quyet

dinh . 1627/2001/QD-NHNN ngay 31 thcing 12 nam 2001 (sau day vi la Quy the cho vay

czia to chew tin dung do

t

e vii khrich hang) &ea Thong (Mc N gan hang

Nha

nut nhu saw

5

Dieu nay drat sfra

di

theo quy dinh tai Dieu 1 elk Quyet djnh so 28/2002/QD-NHNN ve

sin doi Dieu 2 Quyet dinh se

1627/2001/QD-NH NN ngay 31/12/2001 ctla Thong dent Ngan

hang Nha nu6 c ye vice ban hanh Quy the cho vay cua

to

chic tin dung doi voi kith hang, c6

hieu Ijrc Ice ti ngay 11 thang 01 nam 2 002.

6

Dieu 2 va Dieu 3 caa Quyet dinh

s O

28/2002/QD-NHNN ve

s e r a d O i

Dieu 2 Quyet djnh se

1627/2001/QD -NHN N ngay 31/12/2001 cim T hong doe Ngan hang Nha nutm

ye viec ban hanh

Quy the cho vay cua

to

chic tin dung del vbi khach hang, c6 hieu Jut Ice ti ngay 11 Mang 01

M an 2002 quy dinh nhu sau:

Dieu 2. Quyet dinh na y co bleu lac ke tir ngay

Dieu 3. Thee truing cac don vi thuac Ngan hang Nha maw, Gicim do

te chi nhanh Ngcin

hang Nha war tinh, thank phi aye thuac Trungwong, Hai clang quern va Tong Vim &lc

(Giam dew) to chat tin dyng, khach hang vay von cilia to chat tin dyng chiu track nhiem thi

hanh Qu yet dinh nay.

7

Dieu 4 va Dieu 5 Mut Quyet djnh

s6

127/2005/QD -NH NN ve vice stilt der, be sung

m O t s O

dieu cua Quy the cho vay cua

t6

chic tin dung dei veri khkh hang ban hanh theo Quytt dinh

3


4/17

quan tri va Ding giam dec (Giam d6c) t6 chtic tin dung, khach hang vay von cua

to

chirc tin dung chill trach nhi'dm thi hanh Q uyet dinh nay.

se 1627/2001/QD-NI

INN ngay 31/12/2001 dm Thong

d O c

Ngiin hang Nha ntrdc, co hieu hic

ke to ngay 7 thang 03 nam 2005 quy dinh Mir sau:

DiAu 4. Quyet dinh nay co hieu roc thi Hann sau mu& lam ngay ke

r

t ic ngay clang Ceing

bao. BM be guy dinh tai cac van iin: Quyet dinh se 688/2002/QD-NHNN ngay 1/7/2002 caa

Thong doe Ngcin hang Nha nu& vi Wee thr hien chuyen nq qua ban cac khoan nq vay cita

khach hang tai cac to chat tin dung; cong van so 405/N1INN-CSTT ngay 16/4/2002 ere viec

huang den

re hien quy inh

e r e

chuyin no qua lion; cling van so 950/NFINN-CSTT ngay

3/9/2002 ye chuyen na qua hgn dot voi truerng hop chain tra nq g6c, liii vein vay; cling van so

1140/NHNN CST T ngay 29/9/2003 ere viec ap dung lai

suit

no qua km va that diem tinh lai nq

qua hart the quy dinh khac trai vol Quyet dinh nay.

Dan 5. Thit truang cac don vi thuac Ngan hang Nha none, Giam doe chi nhanh cac

thank pho try-c thuac Trung u-ang; Hai tong qucin tri va Tong giam doe (Giam doe) cac

t

chac tin dyng chiu trach nhiem thi hanh Quyet djnh nay./.

8

Dieu 2 va Dieu 3 caa Quyet dinh

s o

783/2005/QD-NIINN ve viec sera d6i, be sung Khoan 6

Dieu 1 Ma Quyet dinh so 127/2005/QD-NHNN ngay 3/2/2005 ena Thong doe Ngan hang NhA

nude ve viec sum dei, be sung met so dieu cua Quy the cho vay

cea to hir tin dung vdd

khach hang ban hanh theo Quyet dinh so 1627/2001/QD-NEINN ngay 31/12/2001 Gila Thong

dec Ngan hang NM nue; ed hieu Iut ke to ngay 23 thang 6 nam 2005 quy dinh nhu sau:

Dan 2. Quyit dinh nay co hieu loc thi hanh sau mwed lam ngay ke tit ngay clang Cong

btio.

Didu 3. Chanh Van phang, Vy truang Vu Phap chA, Vu

trul?mg V u Chinh sack

o v e t

Thutrwerng cat don vi thuac Ngan hang Nha nwerc, Glen cloc chi nhanh cac tinh, thank phO

troc thuac Trung Wang; Hai (long quan tri va Tong giam doe (Giam d6c) cac to chile tin dung

chiu trach nhiem thi hanh Quyet dinh nayl

9

Dieu 3 Ma Thong tu

s 6

33/2011/TT-NHNN sera doi, b6 sung met

s 6

dieu cua Meng tu se

13/2010/TT-NHNN ngay 20 thang 5 nam 2010 quy djnh ve cac ty le bao dam an town trong

host Ong Ma

6 6

chtirc tin dung va Quy

the

cho vay cda

to

chat tin dung cif& vdi khach hang

ban hanh kern theo Quyet dinh se) 1627/2001/QD-NHNN ngay 31 thang 12 nam 2001 dm

"lhOng dot Ngan hang NM wet, cd hien luc ke to ngay 10 Mang 10 nam 2011 quy dinh nhu

sau:

Didu 3. TO chat thus hien

1.

Thon g tw nay co hieu ly c thi hanh LA tit ngay 10 thon g 10 nam 2011.

2.

Doi vOi cac hop dOng tin dyng duoc 195 kit, ca hieu loc trwerc ngay Th6ng to nay ca

hieu loc

16 chat tin dyng vet khach hang vay tiep tic thoc hien theo cac th6a thuan da kY ket

rho den khi tra het no glic va lai von vay; hoac to chat tin dyng va kluich hang vay thew thuan

situ dot b6 sung hop clang tin dung phi, hop vol quy djnh act Th6ng to nay va phap luat khac

ca l ien quan.

3.

Chanh Van phOng, Chanh Thank tra, giam sat ngan hang Vy triton Vy Chinh sack

(Mn te, Tha twang cac don vi thuac Ngcin hang Nha nuerc, Gam dot Ngdn hang Nha nuerc chi

nhanh link [hanh pho troc thuac Trung trong, Chu tjch Hai (long gucin tri, Chu tich Hai clang

thanh vien, Tong gicim dot (Giam doe) to chic tin clung va to chitc, ca nhan c6 lien quan chiu

track nhiem thi hanh Thong tu. nay./.

4


5/17

QUY CITE CHO V AY CUA TO CIIIYC TIN DVNG

D e n y e n

ICHACH HANG

(Ban heath theo Quyit clink sO 1627/2001/QD-NHNN

ngay 31/12/2001 caa Thong cine Ngdn hang Nha mrov)

Dieu 1. Pham vi dieu chinh

Quy chi nay quy dinh va viec cho vay bang Deng V iet Nam, ngoai mem

to chirc tin dung doi vet khach hang khong phai la t8 eh& tin dung, nham

,

dip

ung nhu cau v on cho san xu at, kinh doanh, dich vu, da'u tu phat trien va song.

Dieu 2. Did tmyng fip dung

1. Ck

t6 chirc tin dung ducc

than lap va thuc hian nghiap vg cho vay

theo quy Binh cua that Cac

to

chirc tin dung. T rtramg hop cho vay bang ngoai ta,

cac to chirc tin clung phai duct phop hoat dQng ngoai

2.

1 0

Khach hang vay tai to

chirc tin dung la cac to chirc, ca nhan Viet Nam

va ntret ngoai c nhu cau vay van, co kha nang tra nq

a huc hian cac du an dku

tu, phuong an san xu at, kinh doanh, dich vu hoac d u an dau tu, phuong an

,

phuc

vu dat song o trong m rec va ntroc ngoai. Trtrerng hap khach hang vay von

H e

thuc hien cac du an dku tu, phucng an san

xuat,

kinh doanh, dich vu o ntret

ngoai, Ng'an hang Nha nuot Viet Nam co quy dinh Hong.

Dieu 3. GiAi thich tir ngfi.

Trong Q uy chi nay the tir ngtt dual day dugc hieu nhu sau:

Cho vay la met hinh thuc c a

ung, theo do t6 chirc tin dung giao

cho Bach hang sir dung met khoan tien da sir dung vao mix dich va thbi gian

nhat dinh theo thoa thuan veri nguyen the cif) hoan tra ca gee vi lat.

2

Th61 han cho vay IA k hoang thbi gian duce

tinh tir khi khach hang bat

dau nhan vim vay cho den

thoi diem tra het nq g6c va lai von vay da

dirge thoa

thuan trong hqp ding tin dung Ira t6

chitc tin dung va khach hang.

3

Kt han tra nq IA M c khoAng thin gian trong thbi hart

cho vay da dugc

thoa thuan giita to civic tin clung va

khkh hang ma tai cuoi moi khoang

thbi gian

do khach hang phai tra mot

phan hoAc than bfi v e i n

vay cho to chirc tin dung.

4."

Ca cau

lai thbi han tra nq to viec to chirc tin dung dieu chinh

ky han

tra ng, gia han ng vay d8 i vet cac

khoan ng vay cua

khach hang theo hai phuong

thuc sau:

Khoan nay &roc siva del theo quy dinh tai khoan I Dieu 1 cna Quyet djnh so 127/2005/QD-

NH NN ve viec sira 86i, be sung mot

s e

dieu ola Quy the cho vay cast

to

cline tin clang d6i vui

'Mach hang ban hanh theo Q uyet dinh

s O

1627/2001/QH-N IINN ngay 31/12/2001 cila Thong

doe Ngan hang Nha nuoc, c6 hieu Itrc ke tv ngay 7 thing 03 nAm 2005.

Khoan nay

daqc

sun del theo quy djnh tai khoan 2 D ieu 1 dm Quyet dinh

s O

127/2005/QD-

NH NN ve viec sin d6i, b6 sung met so dieu cua Quy the cho vay coa to chirc tin dung d6i yen

5


6/17

a)

Dik chinh ky hart Ira no IA viec to chile tin dung chip thuan thay dOi kY

ban

tra no goc va/hoac lai von vay trong pham vi thai han cho vay da thoa thuan

truck do trong hop dong tin clung, ma han tra nq cuoi gang khang thay dept.

b)

Gia han nq vay 1a

viec to

chile tin dung chtp thuan keo dai th8m mOt

khoang thai gian tra nq goc vA /hoac

L a i

van vay, vugt qua thai han cho vay da

thoa thuan truck do trong hgp dO ng tin dung.

5 . 1 2

6.'

3

Dkr an dau Dr, phtrang an san xuat, kinh doanh, dich vh hoc der

an (tau tit, phtrong an phut vu &xi sing ma khich hang giri den

to

char tin

dung la mO t tap hgp nhang de xuat; trong do c6

RIM

du van, vay von, each thirc

sir dung von va each thac tra nq vay trong m ot lchoang that gian xac dinh.

7.

Han mac tin dyng la mac du rig vay toi da dugc duy tri trong mOt

thai

han

nhat dinh ma t8 chirc tin dung va khach hang da thoa thuan trong hop & Ong

tin dung.

8.

Kha Ming tai chinh tits khfich hang vay la kha nang ye

von, tai

san

cita khach hang vay de

bao dam h oot dung thuang xuyen va thgc hi8n cac nghia

vu thanh than.

Dieu 4. Thvc hien quy dinh ve quart ly ngoai hei

Khi cho vay bang ngoai te,

to

chile tin dung va khach hang phai thvc

hien

dung quy dinh cita

,

Chinh phn va huong ona Ngan hang Nha nuerc Vi91 Nam

ere quart ly ngoai Mi.

Dieu 5. Quyen ter chit dm to chat tin dyng

TO chirc tin dung to chili trach nht8m v'e guy& dinh trong cho vay

cua

minh. Khong m Ot to chile, ca nhan nao duce can thr8p trai phop 141 vao quyen

to

chit trong qua trinh cho vay va thu hot ng cua

to

chile tin dung.

Dieu 6. Nguyen tic vay yen

Khach hang vay van cna to chirc tin dung phai dam bao:

M ach hang ban hanh theo Quyet dinh

s o

1627/2001/QD-N HNN ngay 31/12/2001 eta ThOng

doe Ng5n hang N ha mks cb hieu Iqc

k e t e r

ngay 7 thing 03 nam 2005.

12

Khoan nay dirge sera doi theo quy djnh tai 'Moan 2 D ieu 1 caa Quyet dinh se 127/2005/QD -

NH NN ve viec sea

t i t n , 1 )6 s u n g m O t sO M e n c u a Q u y

the cho vay cua to there tin dung yeti

khach hang ban hanh theo Quyet dinh

sO 1627/2001/QD-NHNN

ngay 31/12/2001 caa Thong

d6c Ngan hang N hA noes c6 hieu lac ke to ngay 7 thing 03 nom 200 5.

1 3

Khothn n ay duce sera cthi theo quy dinh tai lchoan 3 D ieu

dm Quyet dinhs6 127/2005/QD-

NHNN ye viec sera be) sung met s6 dieu Quy the cho vay to chat tin clang deli

yeti

khach hang ban hanh theo Quyet djnh

s o

1627/2001/QD-NH NN ngay 31/12/2001 caa Thong

chic Ngan hang N ha nark, cei hieu lye Ice tir ngay 7 thing 03

nom

2005.

6


7/17

1. Sir dung

v o n

vay dimg muc dich da thoa thuan trong h9p d6ng tin dung.

2.

Hoan tra na g6c va

lai v a n

vay dung thei han da thoa thuan trong hop

tong tin dung.

Dieu 7. D ieu kien

vay von

, T6 chile tin dung xem xat va quy& dinh cho vay kh i khach hang cid du cac

didu kien sau:

1. Co nang lye phap luat dan su, nang luc hanh vi dan su va chin trach

nhi9M dan su theo quy dinh cua phap Mat:

a)

D6i voi khach hang vay la to chirc

m

va ca. than V4t N am:

- T6' chile" phai c6 nang luc phap luat dan su;

- Ca nhan va chit doanh ngh iO to nhan phai co nang luc phap luat va nang

luc

hanh vi dan su;

- Dai dien ciut ho gia dinh phai c6 nang luc phap luat va nang lye hanh vi

dan su;

- Dai dien cita

t o

hop tic phai c6 nang lye phap 141 va nang lye hanh vi

dan su;

- Thanh vien hgp danh cua ding ty hop danh phai c6 nang lye phap luat va

nang i re hanh vi dan su;

b)

D6i v6i khach hang vay la to chi c

1 6

ca nhan mite ngoai phai co nang

lye phap luat dan su va nang lye hanh vi dan su theo quy dinh phap M at cila nude

ma to chirc

r

(16

c6 l u t e

tich hoac cd than do la eking dan, nau phap luat ntroc

4

um to

"phap MIMI" dug sira doi logi cum tit

t6

chat" theo guy dinh tai Dieu 2 dm Quyet

dinh

s o

127/2005/QD-NHNN ye viec soa dei, be sung met

s O

dieu cua Quy the cho vay cua

to

chat tin dung 461 ved khach hang ban hanh theo Quyet djnh

s6

1627/2001/QD-NHNN ngay

31/12/2001 dm Mang Mac Ngan hang NM ntrerc, c6 bleu Mc

16 to

ngay 7 thang 03 nAm 2005.

15

um tv

"04 nhan" 8tryc sira d6i bed cum tar

t6

chirc" theo quy dinh tai Dieu 2 ctla Quyet

dinh so 127/2005/QD-NI-INN ve viec sum 86i, be sung met

s O

diet'

eau Quy the cho vay cua

th

chic

tin dung dai v6i khach hang ban MA theo Quyet djnh so 1627/2001/QD-NHNN ngay

31/12/2001 cart Thong dew NgAn hang NM nude, c6 hieu luc ke to ngay 7 thang 03 nam 2005.

16

Cum to "phap nhan" dace sira 86i beri cum

to '16

chirc" theo quy dinh Mi Dieu 2 car' Quyet

djnh

s O

127/2005/QD-NHNN ve vied sira dai, lo6 sung

mOt s6

dieu coo Quy

the

cho vay caa

t6

chic

tin dung dal vgi khach hang ban hanh theo Quyet dinh s6 1627/2001/QD-NHNN ngay

31/12/2001 caa ThOng dec Ngan hang NM nuerc, cd hieu Igc ke to ngay 7 thang 03 nam 2005.

17 tIM to

"phap nhan" dugc saa 86i bai cum

tit "to

chgc" theo guy dinh tai Dieu 2 mkt Quyet

dinh s6 127/2005/QD-NHNN ye viec saa d6i, be sung mOt

s6

8ieu cna Quy the cho vay ctla

to

civic tin dung dai veri Mulch hang ban hanh theo Quyet dinh s6 1627/2001/QD-NHNN

ngay

31/12/2001 dm Thong d6c Ngan hang NM nudm, c6 hieu Itrc ke to ngay 7 thang 03 nam 2005.

7


8/17

ngoai do dugc 138 Luat Dan scr cna nuem Ong hok ice hOi chit nghia Viet Nam ,

cac

van ban phap luat khac dm V iet Nam quy dinh hoac dugc dieu

Sc qthic to

ma C Ong hoa xa hoi chu nghia Via Nam IcX ket hoac tham gia quy dinh.

2. Mtic dich sir dung von vay hop phap.

3 Co kha nang tai

chinh dam bao tra ng trong thai han cam ket.

4.

Co dg an dau tu, phucm g an san xuat, kinh doanh, dich vg chi thi va co

hieu qua; hthc c6 du an dau tu, phuong an phqc vu dai -song kith thi va pith hop

vii quy dinh cua phap luat.

5.

TIA N hien cat quy dinh ve bao dam tien vay theo quy dinh mia Chinh

phu

va huang clan cim N gan hang Nha nuot Viet Nam

Dieu 8. The loci cho vay

TO chuc tin dung xem xet quxet dinh cho khach hang vay theo cac the loci

ngan han, trung han va dai han nham dap img nhu

.

cau van cho san xuat, kinh

doanh, dich vu, din song va cac dg dau phat tri'en:

1.

Cho vay ngan hayi la cac khoan vay co thai han cho vay den 12 thing;

2.

Cho vay trung han la cac khoan vay c6 thoi han cho vay ttt tren 12 thing

den 60 thing;

3.

Cho vay dai han la cac khoan vay c6 thai han cho vay tir tren 60 thing

to). len.

Dieu 9. N heng nhu au von khong dirtyc cho vay

1. Ti chirc tin dung khong dugc cho vay the nhu cau van sau day:

a)

De m ua sam cac tai san va cac chi phi hinh thanh nen tai san ma phap

luat cam mua ban, chuyen nhugng, chuyen clai;

b)

thanh town the chi phi cho viec thgc hien cac giao dich ma phap luat

cam;

c)

De dap img cac nhu

eau

tai chinh tha cac giao dich ma phap luat cam.

d) De mua yang, tra truing hop dugc Thong dac Ngan hang Nha nuec

chap ththn cho phop vay von m ua yang de san xuat yang

mieng,

san xuat, gia

ding yang trang sirc m y nghe va cho vay de nhap khan y ang nguyen lieu theo

giay phep cda Ngan hang N ha nuac.

ix

Diem nay & roc Iva sung theo quy dinh toi Dieu 2 cilia Thong tu so 33/2011/TT-NHN N saa

dal, 66 sung mot

s O

dieu cua Meng tu A O 13/2010/TT-NI

-

INN ngay 20 thong 5 am 2010

quy

dinh ve cac ty le bao dam an toan trong boat dOng dm

to

chat tin dung va Quy the cho vay

caa

t o

dire tin dung di voi khach hang ban hanh kern theo Quyet dinh sO 1627/2001/QD-NHNN

ngay 31 thing 12 nam 20 01 caa 'Huang dOc N gan hang Nha m r6rc, c6 hiOu lvc ke tv ngay 10

thing 10 nam 2011.

8


9/17

2. Viet dao nq, cac

to

eh& tin dung thgc hien theo quy dinh rieng caa

Ngan hang Nha nu& V iet Nam .

Dieu 10. Thai ban cho

vay

To chirc tin dung va khach hang can dr vao chu sari xuat, kinh doanh,

thin h

i

m thu hoi von da dg an du tu, kha nang tra no cua khach hang va nguO n

van cho vay cua

t6

chile tin dung

a

thoa thuan ye thoi han cho vay. Dai voi cac

to

chirc 1 9

V iet Nam va nuerc ngoai, tiled han cho vay lchong qua then han hog

long con 10 theo quyet dinh thanh lop hoc giay phep hog dO ng tai Viet Nam ;

doi voi ca nhain nuerc ngoai, thoi han cho vay lchong vircrt qua thoi han di:cc phep

sink song, hoat clang tai Viet Nam.

Dieu 11. Lai suet cho vay

1. M ire Iii

suit

cho vay do

to chac

tin dung va khach hang thoi thuan phu

hop voi quy dinh cua Ngan hang Nha nuac V iet Nam.

,

. Mirc lei

p dtmg dai voilchoan nq gOc qua han do

tochirc

tin dung

dinh ya thoa thuan voi khach hang trong hgp dung tin dung nhung khOng virgt

qua 150%

lei

suet cho vay ap dung trong then cho vay

da

dugc k9 ket hoc

dieu chinh trong hgp clang tin dung.

Dieu 12. Mu t cho vay

1.

TO chirc tin dung can cit vao nhu

eau vay van va

kha nang hoan tra ng

cua khach hang, kha nang nguon von cua mink de

quyet

dinh mire cho vay.

2.

Gioi han tong du ng cho vay

di

voi met khach hang thud b in theo quy

dinh tai Dieu 18 Quy the nay.

3.

Tang du ng cho vay dal voi cac doi tugng quy dinh tai Dieu 20 Quy the

nay lchang dugc vugt qua 5% von to co &lath clnic tin dung.

Dieu 13. Tra nq gem va lai van vay

1. To ch irc tin clung va khach hang thoa thuan ve viec tra nq gac va lei van

vay nhu sau :

a)

Cac ky han tra

no Dan ;

b)

Coo ky han tra lei

van vay cling

voi lc9 han Ira nq

gac

hoac theo ky hart

rieng;

c)

Dang tien tra nq va viec boo toan gia tri no goo bang cac hlnh thirc thich

hop, phu hop voi quy dinh cua phap

19

Cum

to "pilau nhan" duqc siva 461 boi cum tir "to chile theo quy dinh tai Dieu 2 dm Quy6t

dinh so 127/2005/QD-N HNN ve viec sfra dOi, bo sung met s6 Chau cna Q uy die cho vay cna

to

chirc tin dung cthi vii M ach hang ban hanh theo Quytt Binh

s o

1627/2001/QD-NHNN ngay

31/12/2001 oh Thong d6c Ngan hang Nha nudc, c6 hiCu luc 1th tir ngay 7 thong 03 nom 2005.

9


10/17

2. 2 0

D81 vOi khoan ng vay khong tra nq &mg han,

duge to

chirc tin dung

danh gia la khong c6 kha nang tra ng dung han va thong chap thuan cho co cau

lai thoi han tra no, thi so du nq goc cua hgp dong tin dung do la nq qua hart

,

va to

chin tin dung thuc hien the bin phap de thu h6 i nq; viec phat cham tra doi veri

ng qua han va ng lai von vay do hai ben thoa thuan tren co so quy dinh phap

Mat. TO eta:re tin dung phan loai town 60 so du nq gO c cua khach hang vay co ng

qua han vao tai khoan cho vay thich hgp theo quy d inh thia Ngan hang N ha nuec

Viet Nam.

,

. T6 chirc tin Mpg va khach hang c the thoa thuan dieu kien, so lai

von vay, phi phat tra trong truang hgp khach hang tra no trtrOc han.

, 4. Tra no vay bang ngo ai te: Khoan cho vay ban g ngoai nao thi phai tra

no gO c va lai vim vay bang n goai to do; throng hop tra no bang ngoai to khac

hoac Ding Viet Nam, thi thoc hien theo thoa thuan gift

t o

chirc tin dung va

khach hang phu hgp ved quy dinh ve quan ly ngoai hoi elk Chinh phit va huOng

dan cua Ngan hang Nha nuem Viet Nam.

Dieu 14. HO so vay yen

1.

Khi co nhu cam vay von, khach hang gfri cho

to chile

tin dung giay de

ngh1 vay von va cac tai lieu can thiet chimg m inh du dieu kien vay von nhu quy

dinh tat Dieu 7 Q uy the nay. 1Chich hang phai chin trach nhiem tram phap luat

ye tinh chinh xac va hop phap dm the tai lieu gui cho to chile tin dung.

2.

TO chi:re tin dung W rong dIn cac loai tai lieu khach hang can gui cho to

chile tin dung p hit hgp v64 d ac diem cu the dm ding loai khach hang, loai cho

vay

va khoan vay.

Dieu 15. Thim dinh va

quyet

dinh cho vay

1.

TO chfre tin dung xay dung quy trinh xet duyet cho vay theo nguyen tfic

bao dam tinh doe lap va phan dinh to rang trach nhiem ca nhan, trach nhiem gina

khau tham dinh va quyet dinh cho vay.

2.

T6 chfic tin citing xem xet, danh gia tinh kha thi, hi'eu qua dm do

an Au

tu, phuong an san xuat, kinh doanh, (Lich vu hoac do an

din

tu, phuong an phoc

vu ded song va kha nang hoan tra ng vay tha khach hang de quyet dinh cho vay.

3.

TO chile tin dung quy d inh cu the va niem

y O t

cong khai theri han tOi da

phai thOng bao quyet dinh cho vay hoac khong cho vay doi veri khach hang, ke to

khi nhan dugc day du ho so vay

von

va thong tin can thiet cua Ichich hang.

20

Khoan nay &roc sera doi theo quy dinh tui khoan 4 Dieu I dm Quyet dinh so 127/2005/QD-

NHNN

ere viUe sus din, 66 sung men so

dieu cua Quy the cho vay dm

6

chat tin dung del yen

khach hang ban hanh theo Q uyet dinh so 1627/2001/QD-NHNN ngay 31/12/2001 dm Thong

dec. Ngan hang Nha nueic, c6 hieu lye lce to ngay 7 thang 03 nam 2005.

1

0


11/17

Tnreing hop quyet dinh khong cho vay, to chuc tin dung phai thong bao cho

khach hang bang van ban, trong do neu to can cu tit chai cho vay.

Dieu 16 . Phining thfrc cho vay

TO chirc tin dung thoa thuan volhach hang vay viec ap dung cac phu ong

thitc cho vay;

1.

Cho vay timg

Oi tAn

vay von khach hang va

t6

chirc tin dung thgc

hien the tic vay von can thiet va k9 ket hop idling tin dung.

2.

Cho vay theo han mix tin dung: TO chit tin dung va kith hang xac

dinh va thoa thuan m et han m irc tin (twig duy tri trong m'e't khoang thbi gian nhat

dinh.

3.

Cho vay theo du an dm to :TO chite tin dung cho khach hang vay vein de

thgc hien the dg an dau to phat trien san anal, kinh doanh, dich vu va cac dg an

dau to phut va ded song.

4.

Cho vay hop van: Mot nham

t6

chirc tin dung ding cho vay dei yeti m et

du an vay van hoac phuong an vay van dm khach hang; trong do, c6 met to chirc

tin dung lam dau moi dan xep, phO i hop voi the

t6

chirc tin dung kh k. Viec cho

A

vay hgp v on thgc hien theo qu,y dinh

uy che nay va Quy the ding tai trg

cila cac to

eh& tin dung do Thong

d6c

Ngan hang Nha nu& ban hank

5.

Cho vay tra gOp Khi vay

von, to

chit tin dung va khach hang xac dinh

va thoa thuan so raj von vay phai tra Ong voi so nq pie dugc chia ra de tra ng

theo nhieu ky han trong thed han cho vay.

6.

Cho vay theo han m ire tin deng dg phang: TO chirc tin dung cam ket

dam bao san sang cho khach hang vay von trong pham vi han mire tin dung nhat

dinh. TO chirc tin dung va khach hang thoa thuan thin han hieu lye dm han m et

tin dung dg phong, m ac phi tra cho han mire tin clang du pheng.

7.

Cho vay thong qu a nghiep vu phat hanh va sir dung the tin dung: TO

chirc tin dung chip thuan cho khach hang dugc sir dung s6 von vay trong pham vi

han m ire tin dung de thanh toan tien mu a hang hod, dich vu va rut tien mat tai

may nit tien to d'eng hociem ring tien mat la dui 19 dm

t6

chirc tin dung. Khi

cho vay phat hanh va sir dung the tin dung,

to

chirc tin clung va Ichitch hang phai

tuan theo cac quy dinh cua Chinh phu va N gan hang Nha nu& Viet Nam ye phat

hanh va sir dung the tin dung.

8.

Cho vay theo han m ire thA u chi. La viec cho vay ma

t6

chirc tin dung

thoa thuan bang van ban chip thuan cho khach hang chi vucrt so tien co teen tai

Ichoan thanh town cua khach hang phe ho p veri cac quy dinh cim Chinh phu va

Ngan hang N ha nuac Viet Nam ye hoat deng thanh toan qua cac

t6 chac

cung

ring dich vu thanh toan.


12/17

9. Cac phuong thirc cho

,

vay khac

hap luta Ichong earn, pith hop voi

quy Binh tai Quy the nay va dieu hen hoat

OAT

kinh doanh tha to chic tin dgng

va dac diem tha khach hang vay.

Dieu 17. licyp (long tin dung

V iec cho vay cua

t6

chirc tin dung va khach hang vay phai duct lap thanh

hgp B ong tin dung. Hgp tong tin citing phai co not dung ve dieu Icien vay, mgc

dich six dgng von vay, phuong thac cho vay, so van vay, lai that, thbi hart cho

vay, hinh thirc bao dam, gia tri tai san bao dam, phuong thuc tra ng va nhimg

cam ket khac dugc cac ben thoa thuan.

Dieu 18. Gini han cho

vay

,

. Tang du cho vay

eri

hach hang khang duct vugt qua 15%

vim to c6 cua to chac tin dgng, tra threw hqp Mi yea nhUng khoitn cho vay to

cac nguon von uSr thac cua Chinh phu, cua cac to chirc va ca nhan. Truerng hop

nhu cau von dm mitt khkh hang vugt qua 15% van tg c6 tha to eh& tin dung

hoac khach hang c6 nhu cau huy dOng von to nhieu nguon thi the to chirc tin

dung cho vay hqp von theo quy dinh efia Ngan hang M A nu& Via Nam .

2.

Trong truem g hgp dac bia,

to

chit tin dung chi dugc cho vay wort qua

mire gieri han cho vay quy dinh tai Khoan 1 dieu nay khi dugc Thu W ong Chinh

phn cho phep d oi ved thug truing hgp cg the

3.

Viec xac dinh von tg co cua cac

to

chirc tin dung de lam can dr firth toan

gieri han cho vay quy dinh tai Khoan 1 va 2 D ieu nay thgc hien thee quy dinh cua

Ngan hang Nha nubs Via Nam.

Dieu 19. Nhitng trtreeng hop Meng dugc cho

vay

1. Ti chirc tin dung kheing doge cho vay dai via khkh hang trong cac

truerng hgp sau day :

,

) Thanh vien HOi long quan tri, Ban

to

oat, Tang giam doc(Giam

M c), Pho TO ng giam doe (Ph6 giam doe)

8 chic tin th

ng;

b)

Can b0, nhan vien cua chiral

t6

chic tin dung do thirc hien nhiem vu

tham dinh, quyet dinh cho vay;

c)

B 6 ,

me, vg, chang, con dm thanh vien Hoi clang quart tri, Ban kiem

soat, Tong giam dot (Giam M c), PM tong giam M c (Ph6 W arn d8c).

2. Cac quy dinh tai Khoan 1 D ieu nay khong op dung dti veri cac

t6 chic

tin dung hop Mc.

,

. Viec A i) dung quy dinh tai diem c K hoan 1 D ieu nay dai veri ngtreri vay la

66, me, vg, chiing, con dm Giam Mc, PM Giam Mc chi nhanh tha to chirc tin

dung do to chtirc tin dung xem xet quyet dinh

1 2


13/17

Dieu 20. H an the cho vay

T O ,

chitc tin dung Ichong dugc cho vay '


14/17

to chnc tin dung danh gia la c6 kha nang tra ng trong cac ky han tiep theo, thi to

chirc tin dung xem xet dieu chinhlck han tra nq g8c vathoac lai von vay.

b) Khach hang Ichong c6 kW . nang tra het nq goc va/hoac lai von vay dung

thai han cho vay da thoa thuan trong hgp clang tin dung va dugc to' eh& tin dung

danh gia la co kha nang tra no trong mot khoang thai gian nhat dinh sau thei han

cho vay, thi to chirc tin ching xem x et cho gia han ng ved thbi han phu hyp ved

nguon tra ng cua lchkh hang.

Toan bO s6 du nq vay gac cua khach hang c6 lchoitn no co

c a u

lai thai hart

tra nq dugc phan loai vao cac nhom ng thich hop theo quy d inh ve phan loai nq

cua Ngan hang Nha nuarc Vial Nam.

2.

Cac

t 6

tic tin dung ph ai ban hanh quy dinh ve cos cau lai thai han tra

nq phi) hgp v6i quy dinh cua Ngan hang N ha nuec Viet Nam ; viec phan cap, uy

quyen cho cac ch i nhanh cua m inh guyet dinh viec co eau lai died han tra ng phai

bao dam I-16i sb chinh narn dirge kip thbi, day du va chinh xac cac khoan ng dirge

co cau lai thai han tra ng trong

t o w n l id

thong. Ck

t o

clam tin dung phai gin quy

dinh ye co cau lai thid hart tra ng cho Thanh tra N gfin hang Nha nuac ngay sau

khi ban hanh.

3.

D6i

vii cac khoan ng vay dugc ca

c a u 1 0 t h i a i

han tra ng, cac

t o

chic tin

dung phai bao cao theo quy Binh caa Ngan hang N ha nude Viet Nam ve the do

bao cao thong ke ap dung dOi vad

t 6

chirc tin dung.

Dieu 23. M ien, gram Ifni

Ti chirc tin dung dirge guyet dinh mien, giam

r a i

von vay phai tra

d o t

khach hang theo cac nguyen tic sau day:

1 . 2 3

Khoch hang vay bi tam that ye tai san din den kho khan ve tai chinh;

2.

Mitc do, mien, giam

t a i

van vay phu hop v oi kha nang tai chinh cua

t o

c h u c tin dung;

3.

TO chUc tin dung khong dugc m ien, giam lai von vay d61 ved khach

hang thueic cac d8i tugng guy dinh tai Khoan 1 Dieu 78 L uat Cac

t o

eh& tin

dung.

4.

Ck

t6 tic

tin citing phai ban hanh Q uy the

m i e n ,

giam lai

v o n v a y d d i

vii khach hang dugc Fthi clang guan tri phe duyet. V iet mien, giant lai von vay

dO i vai khach hang chi dugc thus hien khi to chtic tin dung c6 Q uy the m ien,

giam J a i

von vay.

23

Khaki nay duce sfra d6i theo quy dinh tai M oan 7 Dieu 1 cua Quyet dinh s6 127/200 5/QD -

NI-INN ye viec sita

d 6 1

b6 sung m et so dieu cua Quy the cho vay cda

t o

chic tin dung dei v64

kbach hang ban hanh theo Q uyet dinh

s o

1627/2001/QD -NHN N ngly 31/12/2001 dm Thong

dec Ngan hang N ha nude, c6 hien lire ke to new 7 thing 03 nem 20 05.

14


15/17

Dieu 24. Quyen va ng hia vy can khfich hang

1. Khach hang vay co quyen:

a) Tir ,

chtii cac you cau

6 chirc tin dung thong dimg voi cac thoa thuan

trong

lang tin dung;

b)

Khieu nai, khiri kien viec vi pham hqp dong tin dung theo quy dinh cim

phap luat;

2. Khach hang vay co nghia vv:

a)

Cun g cap M y do, trung thvc cac thong tin, tai lieu lien quan den v iec

vay von va chlu bath nhiem ve tinh chinh xac cim cac thong tin, tai lieu da cung

cap;

b)

Sir M ing von vay ding m ite dich, thvc hien dimg cac nOi dung M . thoi

thuan trong hqp dong tin dung va cac cam ket Ichac;

c)

Tth nu g6c va lei von vay theo thoa thuan trong kip deg tin dung;

d)

Chlu trash nhiem truck phap luat khi khong thvc hien dung rilitang thoi

thuan ve viec tra ng vay va thvc hien cac nghia vv bao dam nq vay da cam ket

trong hap tong tin dung.

Dieu 25. Quy en vi nghia vy can to chirc tin dyng

1. TO chuc tin dung c6 quyen:

a)

You can khach hang cung

cap

tai lieu chimg m inh dg an dau tu, phuong

a n

san xuat, kinh doanh, dich vti hoac du An du ft; phuong an phvc vv din song

lcha thi, kha rang tai chinh cua minh va cua ngtred bao lanh truck khi quyet dinh

cho vay;

b)

Tit chei yeu cau vay von clia khach hang neu they khong dit dieu kien

vay von, du an vay von boat phuong an vay von kh6ng co hieu qua, khong phd

hqp veri quy dinh cua phap luat hoc to chirc tin dung khong c6 du nguon von de

cho vay;

c)

Kiem tra, giam sat qua trinh vay yen, sir dung von vay va tra nq La

khach hang;

d) Chain dirt viec cho vay, thu h6i ncf

,

truec han khi phat hien khach hang

cung cap thong tin sai sv that, vi pham hqp & Mg tin dung;

d) Kited kien khach hang vi pham hqp &Ong tin dung hoac ngtrai bao lanh

theo quy dish cee phap Mat;

e)

Khi den han tra nq ma khach hang khong tra ng, neu cac ben khong co

thoa thuan khac, thi to chirc tin dvng c quyen xt1Sr tai san bao dam von vay theo

sv thoa thuan trong hqp dong de thu hOi ny theo quy dinh cite phap luat hoac yeu

cau nguei bao lath thvc hien nghia vu bao lanh doi yea tnrong hqp khach hang

dugc

bao lanh vay yen;

5


16/17

g) M ien, giam lai van vay, gia hen na, di'eu chinh k9 hen no thgc hien theo

quy dinh tai Quy the nay; mua ban na theo quy dinh caa N gan hang N ha nuac

Viet Nam va thuc hien viec dao na, khoanh na, xoa na theo quy djnh cua Chinh

pha va huong dan dm N gan hang Nha nu& Viet Nam.

2. To chic tin clang co nghia vu:

a)

Thuc hien ding thoa thuan trong hop thing tin dung;

b)

Luu gift ha sa tin dung pha hop Yeti quy dinh cis phap 1u5t.

Dieu26. Cho vay Y u dal va cho vay dty an dAu tv thuOc tin dung dAu

to phat trien cua Nha nut

I. TO chirc tin dung thuc hien cho vay dai v6i khach hang thuO c

doi

tugng

cluge huOng chinh sach tin dung uu dai theo Quy dinh cua C hinh phi va huong

dan caa Ngan hang N ha nuem V iet Nam trong tong thei ky.

2.

TO chic tin dung cho vay cac du an

Mu tu

thuOc tin d,ung dau

tu

phat

trien cua Nha m ite thuc hien theo quy dinh cua phap M at ye tin dung

du tu phat

trien cua Nha

3.

To chirc tin dung Nha nu& duac Chinh phi chi dinh cho vay dai vai

khach hang thuiSe dal tugng uu dal, cho vay the du an dau to thwje tin dung dau

tu phat hien caa Nha rank , neu c6 phat sink chenh lath lei suet va tan that cac

Ichoan cho vay do nguyen nhan khach quan thi viec )(Cr 19 thuc hien theo quy dinh

elm Chinh phi va huang clan caa Ngan hang Nha mite Viet Nam va cac BO,

nganh lien quan.

,

. Trues khi cho vay au dal va cho vay cac du an

du tu

thuOc tin dung

dau tu phat trien cua Nha mem ,

to

chirc tin dung flan hanh tham djnh hieu qua

dm du an ho se phuang an vay von, neu xet they khong c6 hieu qua, kh8ng p6

Icha nang hoan tra na vay ca gem va lei thi bao cao yai ea quan nha m ite co them

quyen xem xet, quyet dinh.

Dieu 27. Cho vay theo

us/

that

1.

TO diem tin dung cho vay theo uy that cua Chinh phi, cua

to

chirc, ca

nhan o trong

nuerc

va ngoai nuot theo hop dOng nhan uy that cho vay da ky

ket

vat

ca quan dai dien cua Ch inh phi hoar to chat, ca nhan a trong mite va ngoai

imam. Viec cho vay uy that phai phil hap yen quy djnh hien hanh cim phap lust ye

tin dung ngan hang va hop dOng uy

2.

To chew tin dung cho vay theo uy that dugc huong phi

uy that

va cac

khoan huO ng lei khac da thoa thuan trong hop dong nh an uy thic cho vay pha

hgp voi quy dinh elm p hap lust va thong le quoc te, dam b ao ba dap da chi phi,

rdi ro va c6 lei.

Dieu 28. TO chat thgc hien

1

To chic tin dung va khach hang vay co tech nhiem thi hanh Quy eha

nay. Can cer Quy the nay va cac quy dinh elm van ban phap Mat ea lien

quan, to

16


17/17

chac tin dung ban hanh the van ban hating dan nghiep v9 cu the pha hap

di8u kien, dac diem va dieu 1e dm minh.

, 2. Vi'ec sea dei, be sung Quy

ay do Thong

d O c

Ngan hang Nha nu&

quyet dinh./.

NGAN HANG NHA Mick

AC THUG VAN BAN HOP NHAT

VIET NAM

s6: 40

/VBHN-NHNN

Nai nlipn:

- Ban Lath dao NHN N;

- Van phong Cbinh oho

ang Cong bao);

- Website NHN N;

- lam VP, PC3, Ve CSTT. A

z

/

HO Plo1 ngayI2, thcing rnam 2014

THONG DOC

TH NG DOC

Hang Thanh Binh

17

20-vbhn-nhnn van ban hop nhat ve quy che cho vay cua tctd

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