Ngn hng TMCP Bo Vit Hi s chnh S 8, ph L Thi T, qun Hon Kim, thnh ph H Ni T: 04-3928.8989 - Fax: 04-3928.8899 - Website: www.baovietbank.

vn

S: 25 /2009/Q-TG

H Ni, ngy 08 thng 01 nm 2009

QUY NH v cho vay

TNG GIM C Cn c iu l Ngn hng TMCP Bo Vit c Thng c NHNN Vit Nam chun y theo Quyt nh s 3130/Q-NHNN ngy 16-12-2008; Cn c Quy ch Cho vay ca T chc tn dng i vi Khch hng, ban hnh km theo Quyt nh s 1627/2001/Q-NHNN ngy 31-12-2001, c sa i, b sung theo Quyt nh s 127/2005/Q-NHNN ngy 03-2-2005 v Quyt nh s 783/2005/Q-NHNN ngy 31-5-2005 ca Thng c NHNN; Cn c Quy nh v cc t l bo m an ton trong hot ng ca T chc tn dng, ban hnh km theo Quyt nh s 457/2005/Q-NHNN ngy 19-4-2005, c sa i, b sung theo Quyt nh s 03/2007/Q-NHNN ngy 19-01-2007 ca Thng c NHNN; Cn c Quyt nh s 09/2008/Q-NHNN ngy 10-4-2008 ca Thng c NHNN v Cho vay bng ngoi t ca T chc tn dng i vi Khch hng vay l ngi c tr; Theo ngh ca Gim c Php ch, QUY NH: Chng I NHNG QUY NH CHUNG iu 1. i tng v phm vi iu chnh 1. Quy nh ny iu chnh vic cho vay i vi Khch hng ca Ngn hng TMCP Bo Vit (BAOVIET BANK), nhm p ng nhu cu vn cho sn xut, kinh doanh, dch v, u t pht trin v i sng. 1 2. Quy nh ny c p dng i vi tt c cc n v kinh doanh trong ton H thng BAOVIET BANK, gm: Hi s chnh, S Giao dch v cc Chi nhnh (gi chung l Chi nhnh), trong c cc Phng Giao dch. 3. Cc hnh thc cp tn dng khc nh bo lnh, m L/C, chit khu, ti chit khu hi phiu v giy t c gi khc; cho thu ti chnh, bao thanh ton, cho vay cm

iu 1 (Phm vi iu chnh), Quy ch 1627/2001/Q-NHNN.

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; cho vay di hnh thc thu chi, c thc hin theo Quy nh ny v cc quy nh khc ca BAOVIET BANK. 4. Quy nh ny khng p dng trong nghip v cho vay i vi Khch hng l cc T chc tn dng. iu 2. Gii thch t ng 2 1. Cho vay: L mt hnh thc cp tn dng, theo BAOVIET BANK giao cho Khch hng mt khon tin s dng vo mc ch v thi gian nht nh theo tho thun, vi nguyn tc c hon tr c gc v li. 2. Thi hn cho vay: L khong thi gian c tnh t khi Khch hng bt u nhn vn vay cho n thi im tr ht n gc v li vn vay c tho thun trong Hp ng tn dng gia BAOVIET BANK v Khch hng. 3. K hn tr n: L cc khong thi gian trong thi hn cho vay c tho thun gia BAOVIET BANK v Khch hng, m ti cui mi khong thi gian Khch hng phi tr mt phn hoc ton b vn vay cho BAOVIET BANK. 4. C cu li thi hn tr n: L vic BAOVIET BANK iu chnh K hn tr n, gia hn n vay i vi cc khon n vay ca Khch hng theo 2 phng thc sau: a) iu chnh K hn tr n l vic BAOVIET BANK chp thun thay i K hn tr n gc, li vn vay trong phm vi thi hn cho vay tho thun trc trong Hp ng tn dng, m thi hn cho vay cui cng khng thay i; b) Gia hn n vay l vic BAOVIET BANK chp thun ko di thm mt khong thi gian tr n gc, li vn vay, vt qu thi hn cho vay tho thun trc trong Hp ng tn dng. 5. D n, phng n vay vn (hay cn gi l d n u t, phng n sn xut, kinh doanh, dch v hoc d n u t, phng n phc v i sng): L mt tp hp nhng xut, trong c nhu cu vn, vay vn, cch thc s dng vn v cch thc tr n vay trong mt thi hn xc nh m Khch hng gi n BAOVIET BANK. 6. Hn mc tn dng: L mc d n tn dng ti a c duy tr trong mt thi hn nht nh m BAOVIET BANK v Khch hng tho thun trong Hp ng tn dng. Hn mc tn dng bao gm hn mc cho vay, hn mc bo lnh v hn mc cp tn dng khc. 3 7. Kh nng ti chnh ca Khch hng vay: L kh nng v vn, ti sn ca Khch hng vay bo m hot ng thng xuyn v thc hin cc ngha v thanh ton cho BAOVIET BANK cng nh cc ch n khc. 8. Vn t c ca BAOVIET BANK: L bao gm vn cp 1 v vn cp 2 di y, sau khi tr i cc khon lin quan v p ng cc gii hn xc nh vn theo quy nh ca Php lut: 4
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iu 3 (Gii thch t ng), Quy ch 1627/2001/Q-NHNN (t khon 1 n 7). Cu th 2 do BAOVIET BANK thm vo p ng c yu cu phn bit gia hn mc cho vay theo Quy nh ny v Hn mc tn dng ni chung cp cho Khch hng. iu 3, Quy nh 457/2005/Q-NHNN.

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a) Vn cp 1, bao gm: Vn iu l, Qu d tr b sung vn iu l, Qu d phng ti chnh, Qu u t pht trin nghip v v Li nhun khng chia; b) Vn cp 2 theo quy nh ti khon 2, iu 3, Quy nh v Cc t l bo m an ton trong hot ng ca T chc tn dng, ban hnh km theo Quyt nh s 457/2005/Q-NHNN ngy 19-4-2005 ca Thng c NHNN. 9. Tng d n cho vay: L bao gm d n cho vay trong hn, d n cho vay qu hn, d n cho vay c khoanh v d n cho vay ch x l ca BAOVIET BANK, (k c d n tr thay cho Khch hng). 5 10. Cc trng hp BAOVIET BANK nm quyn kim sot doanh nghip m BAOVIET BANK u t di hnh thc gp vn, mua c phn, bao gm: 6 a) Cc khon u t chim 25% vn iu l tr ln ca Cng ty c phn; b) Cc khon u t chim 51% vn iu l tr ln ca Cng ty trch nhim hu hn. iu 3. n v kinh doanh 1. BAOVIET BANK cho vay trc tip v cho vay thng qua n v kinh doanh thuc H thng BAOVIET BANK bao gm: a) Hi s chnh; b) S Giao dch v cc Chi nhnh (sau y gi chung l Chi nhnh); c) Cc Phng Giao dch; d) Cc n v kinh doanh khc theo quy nh ca BAOVIET BANK. 2. Trng hp Khch hng c cp tn dng ti mt n v kinh doanh, nhng c nhu cu tn dng ti mt n v kinh doanh khc, th n v kinh doanh sau phi phi hp vi n v kinh doanh trc cp tn dng trong phm vi Hn mc tn dng i vi Khch hng theo Quy nh ny. iu 4. Khch hng Vit Nam vay vn ca BAOVIET BANK 1. Cc php nhn, bao gm: Cng ty Nh nc, Hp tc x, Cng ty trch nhim hu hn, Cng ty c phn, Cng ty hp danh (k c Doanh nghip c vn u t nc ngoi) v cc php nhn khc c 4 iu kin di y theo quy nh ti iu 84 ca B lut Dn s nm 2005: a) c thnh lp hp php; b) C c cu t chc cht ch; c) C ti sn c lp vi c nhn, t chc khc v t chu trch nhim bng ti sn ; d) Nhn danh mnh tham gia cc quan h Php lut mt cch c lp.

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Khon 6, iu 2, Quy nh. 457/2005/Q-NHNN. Khon 21, iu 2, Quy nh. 457/2005/Q-NHNN ( c b sung theo Quyt nh 03/2007/Q-NHNN ngy 19-01-2007).

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2. Cc Doanh nghip t nhn, T hp tc, H gia nh v C nhn (gm c H kinh doanh v c nhn hot ng thng mi mt cch c lp, thng xuyn khng phi ng k kinh doanh 7 ). 3. Cc chi nhnh, n v ph thuc php nhn khi vay vn, phi c s phn cp, u quyn c th bng vn bn ca ngi i din theo Php lut ca php nhn. iu 5. Khch hng nc ngoi vay vn ca BAOVIET BANK 1. Php nhn, t chc nc ngoi phi c cc iu kin sau y: a) c thnh lp v hot ng hp php nc ngoi theo quy nh ca Php lut ca nc m php nhn t tr s chnh (c nng lc Php lut dn s theo quy nh ca Php lut nc ngoi); b) C giy php hot ng ti Vit Nam do c quan Nh nc c thm quyn Vit Nam cp hoc c php thc hin cc phng n, d n sn xut, kinh doanh, dch v ti Vit Nam (thc hin Hp ng hp tc kinh doanh, d n BOT, BTO v BT); c) Thi hn cho vay khng qu thi hn cn li c php hot ng ti Vit Nam. 2. C nhn ngi nc ngoi phi c cc iu kin sau y: a) C H chiu do c quan Nh nc c thm quyn ca nc ngoi cp (c nng lc Php lut v nng lc hnh vi dn s theo quy nh ca Php lut ca nc m ngi l cng dn); b) c cc c quan qun l xut nhp cnh Vit Nam cho php nhp cnh hoc c tr ti Vit Nam lm vic, hc tp, du lch, cha bnh, th hin bng mt trong cc giy t sau: Th thng tr (3 nm c cp li mt ln); Th tm tr (c cp theo thi hn t 1 n 3 nm); Giy thng hnh (c gi tr khng qu 6 thng); Giy chng nhn tm tr (c gi tr khng qu 12 thng); Giy xc nhn tm tr (c gi tr khng qu 12 thng).

c) Thi hn cho vay khng qu thi hn c php c tr cn li ti Vit Nam theo cc giy t ti im b ca khon ny v ph hp vi thi hn Th thc. d) Ti sn bo m tin vay (nu c) phi x l c khi cn x l thu hi n, khng ph thuc vo vic ngi vay cn hay khng cn c tr Vit Nam. iu 6. Nhm Khch hng c lin quan vay vn ti BAOVIET BANK 8 1. Mt nhm Khch hng c lin quan ti BAOVIET BANK gm t 2 Khch hng tr ln c quan h tn dng ti BAOVIET BANK m thuc trng hp c quan h

Ngh nh s 39/2007/N-CP ngy 16-3-2007 ca Chnh ph v C nhn hot ng thng mi mt cch c lp, thng xuyn khng phi ng k kinh doanh. Khon 5, iu 2, Quy nh 457/2005/Q-NHNN.

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s hu hoc quan h v qun tr, iu hnh hay l thnh vin trong mt doanh nghip, h gia nh, t hp tc. 2. Mt nhm Khch hng c lin quan, khi thuc mt hoc mt s trng hp sau: a) Mt Khch hng php nhn s hu t 50% vn iu l tr ln ca mt Khch hng php nhn khc; b) Mt Khch hng c nhn s hu t 25% vn iu l tr ln ca mt Khch hng php nhn khc; c) Mt Khch hng c nhn l thnh vin ca H gia nh (theo quy nh ca B lut Dn s) m H gia nh ang l Khch hng ca BAOVIET BANK; d) Mt Khch hng c nhn l thnh vin ca T hp tc (theo quy nh ca B lut Dn s) m T hp tc ang l Khch hng ca BAOVIET BANK; e) Mt Khch hng c nhn l thnh vin ca Cng ty hp danh (theo quy nh ca Lut Doanh nghip) m Cng ty hp danh ang l Khch hng ca BAOVIET BANK; f) Mt Khch hng c nhn l ch Doanh nghip t nhn (theo quy nh ca Lut Doanh nghip) m Doanh nghip t nhn ang l Khch hng ca BAOVIET BANK; g) Mt Khch hng c nhn ang l Ch tch HQT, Ch tch Hi ng thnh vin hoc Ch tch Cng ty, Tng Gim c hoc Gim c hoc Trng Ban Kim sot ca Cng ty m Cng ty ang l Khch hng ca BAOVIET BANK; h) Mt Khch hng php nhn ang c i din ca mnh l Ch tch HQT hoc Ch tch Hi ng thnh vin, Tng Gim c hoc Gim c hoc Trng Ban Kim sot ca Cng ty m Cng ty ang l Khch hng ca BAOVIET BANK. iu 7. Quyn t ch ca cc n v kinh doanh 1. BAOVIET BANK v cc n v kinh doanh ca BAOVIET BANK t chu trch nhim v quyt nh trong vic cho vay ca mnh theo quy nh ca BAOVIET BANK. Khng mt t chc c nhn no c can thip tri Php lut v tri vi Quy nh ny vo quyn t ch trong qu trnh cho vay v thu hi n ca BAOVIET BANK v cc n v kinh doanh ca BAOVIET BANK. 9

2. Cc trng hp cho vay v cc tnh hung v cho vay pht sinh cha c BAOVIET BANK quy nh c th, th n v kinh doanh c quyn quyt nh trn c s bo m li ch ca BAOVIET BANK, ph hp vi quy nh ca Php lut v ca BAOVIET BANK hoc xin kin ch o, hng dn ca Tng Gim c. 3. Cc b phn, c nhn trc tip tham gia vo hot ng kinh doanh c trch nhim chnh trong vic pht trin kinh doanh. Mi cn b, nhn vin ca BAOVIET

iu 15 (Quyn t ch kinh doanh), Lut Cc TCTD nm 1997, c sa i, b sung nm 2004; iu 5, (Quyn t ch ca TCTD) Quy ch. 1627/2001/Q-NHNN; BAOVIET BANK b sung v tri vi quy nh ca BAOVIET BANK.

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BANK c trch nhim chung trong cc hot ng tip th nh pht trin th trng, pht trin sn phm, bo v v nng cao uy tn ca BAOVIET BANK. iu 8. H s tn dng 10 1. H s tn dng c phn theo ngun gc hnh thnh, bao gm cc loi sau: a) H s do Khch hng lp v cung cp cho n v kinh doanh trc v trong qu trnh giao dch tn dng; b) H s do n v kinh doanh lp: Ti liu do n v kinh doanh thc hin trong qu trnh thm nh, quyt nh, qun l, iu chnh v x l khon tn dng; c) H s do Khch hng v n v kinh doanh cng lp: Vn bn c cc bn cng lp trc, trong qu trnh giao dch tn dng; d) Cc h s ti liu do cc c quan, n v c lin quan lp hoc cung cp. 2. H s tn dng c phn theo tnh cht php l, bao gm cc loi sau: a) H s vay vn (cp tn dng); b) H s ti chnh; c) H s php l; d) H s bo m tin vay; e) Cc h s ti liu khc lin quan n khon tn dng v Khch hng vay vn (nu c). 3. H s tn dng c phn theo tnh cht nghip v, bao gm cc loi sau: a) H s thm nh cho vay (cp tn dng), bao gm: Cc h s theo quy nh ti khon 1 v 2 ca iu ny cho n thi im BAOVIET BANK quyt nh cho vay; b) H s gii ngn, bao gm: Hp ng tn dng, Hp ng bo m tin vay, chng t chng minh mc ch s dng vn vay, Kh c nhn n v cc h s khc theo quy nh ti khon 1 v 2 ca iu ny lin quan trc tip n vic gii ngn; c) H s qun l khon vay, bao gm vn bn ghi nhn vic kim tra sau, h s thu n, c cu li thi hn tr n, h s khc theo quy nh ti khon 1 v 2 ca iu ny lin quan n Khch hng v khon vay sau khi gii ngn. 4. H s tn dng khi cho vay theo ch nh, quyt nh ca Chnh ph, NHNN Vit Nam cng c thc hin theo Quy nh ny, nu Chnh ph, NHNN Vit Nam khng c quy nh khc. 5. H s do Khch hng cung cp l bn chnh. Trng hp khng c bn chnh hoc khng th cung cp bn chnh, th cung cp bn sao chp c chng thc hoc Khch hng t sao y bn chnh (ghi ngy, thng, k, ghi r h tn, ng du ca i din Khch hng l t chc hoc Khch hng c nhn). Trong trng hp cn thit, Cn b tn dng k xc nhn i chiu vi bn chnh (ghi ngy, thng, k, ghi r h tn).
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Da theo iu 14 (H s vay vn), Quy ch. 1627/2001/Q-NHNN.

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6. Khch hng phi chu trch nhim trc Php lut v tnh chnh xc v hp php ca cc thng tin, ti liu gi cho BAOVIET BANK. Trng hp php lut quy nh vn bn giao dch phi c cng chng (nh mua, bn, chuyn nhng, cho thu nh, t), th Khch hng cung cp cho BAOVIET BANK vn bn c cng chng theo quy nh. 11 7. Ton b H s tn dng c a vo danh mc h s theo quy nh ti khon 3 ca iu ny. 8. H s tn dng c th thc hin theo hng dn ca Tng Gim c. iu 9. Cn b tn dng 1. Cn b tn dng ca BAOVIET BANK l nhng ngi tham gia trc tip vo qu trnh xc lp, thm nh, kim sot h s Khch hng, khon vay, ti sn bo m tin vay, gm cn b, chuyn vin, nhn vin qun l Khch hng, thm nh, ti thm nh, kim sot v tc nghip tn dng. 2. Cn b tn dng phi p ng c cc tiu chun sau: a) Tt nghip i hc hoc cao ng thuc cc chuyn ngnh: Ngn hng, Ti chnh, K ton, Kinh t, Lut; b) Hiu bit v: Php lut, kinh t v th trng; c) Ch ng, nng ng, sng to v c trch nhim trong cng vic; d) Trung thc, khch quan, cng minh v khng v li; e) C kh nng phn tch, thm nh v ti chnh, kinh t, D n, phng n vay vn; c kh nng nh gi v giao tip vi Khch hng (i vi Cn b qun l Khch hng); f) C cc tiu chun khc i vi cn b, nhn vin ca BAOVIET BANK. 3. Cn b tn dng c nhng trch nhim sau y: a) Thng xuyn cp nht, nghin cu v thc hin ng cc quy nh ca Php lut v cc quy nh ca BAOVIET BANK lin quan n nghip v cp tn dng; b) c bo lu kin v vic khng ng cp tn dng hoc v cc vn khc trong vic cp tn dng, trn cc h s, ti liu v thng tin lin quan; c) Trc tip gii quyt hoc xut vi cp trn gii quyt nhng kh khn, vng mc trong vic cp tn dng; d) Bo co v gii trnh cc ni dung lin quan n nghip v cho vay khi c cp c thm quyn yu cu theo quy nh ca BAOVIET BANK; e) Chu trch nhim i vi cc khon vay trong trng hp xut ng hoc quyt nh vic xt duyt (gm thm nh, quyt nh, ph duyt) cho vay, x l khon vay v ti sn bo m tin vay;
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im b, khon 1, iu 127 (Trnh t, th tc chuyn nhng quyn s dng t); im b, khon 1, iu 128 (Trnh t, th tc ng k cho thu, cho thu li quyn s dng t), Lut t ai nm 2003; khon 3, iu 93 (Trnh t, th tc trong giao dch v nh ), Lut Nh nm 2005;

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f) Tham gia vo cc hot ng xy dng chinh sch tn dng; g) Chia s kp thi nhng kinh nghim v bi hc nghip v trong h thng BAOVIET BANK; tham gia o to nhn vin tn dng; h) Phi hp vi cc hot ng h tr pht trin kinh doanh nh qung co, truyn thng, khuyn mi; i) Tun th quy tc o c ngh nghip tn dng; j) C cc trch nhim khc theo Quy nh ny, theo bn m t cng vic v quy nh khc i vi cn b, nhn vin ca BAOVIET BANK. iu 10. Cc bc ch yu ca quy trnh cho vay 1. Hng dn, tip nhn v kim tra H s tn dng ca Khch hng. 2. Thm nh cc iu kin vay vn v H s tn dng. 3. Ph duyt (xt duyt v quyt nh) cho vay. 4. Hon chnh H s tn dng (Hp ng tn dng, Hp ng bo m tin vay, mua bo him cho ti sn v hon chnh cc h s lin quan khc). 5. Tip nhn, phong to, qun l ti sn bo m tin vay. 6. Cp nht H s tn dng bng vn bn v bng d liu in t trn my tnh. 7. Gii ngn khon vay v hch ton. 8. Theo di, kim tra khon vay v Khch hng vay: Tnh hnh s dng vn vay, t chc hot ng kinh doanh, tnh hnh ti chnh, ti sn bo m tin vay. 9. Thu hi n gc, li v ph cho vay. 10. Xem xt x l nhng khon vay c vn . 11. Gii ta ti sn bo m tin vay. 12. Thng k, bo co tn dng. 13. Tt ton khon vay v lu gi H s tn dng. Chng II CHNH SCH TN DNG, CC HN CH V GII HN CHO VAY iu 11. Chnh sch tn dng ca BAOVIET BANK 1. Chnh sch tn dng ca BAOVIET BANK l nhng nh hng, hoch nh tn dng ca BAOVIET BANK lin quan n quan h tn dng, bao gm: a) Th trng mc tiu; cc sn phm v nhm sn phm tn dng ch yu ca BAOVIET BANK; b) i tng Khch hng, ngnh hng kinh doanh; c) i tng cho vay v bo lnh; d) Phng thc qun l cc hot ng tn dng;
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e) Nhng iu kin rng buc v ti chnh i vi Khch hng; f) Ngun vn dng ti tr cho cc hot ng tn dng; g) Phng thc qun l Danh mc tn dng; h) Thi hn v iu kin p dng i vi cc loi sn phm tn dng khc nhau; i) C cu, quy m tn dng ca BAOVIET BANK; j) Cc yu t khc theo quyt nh ca Ch tch HQT v Tng Gim c. 2. Chnh sch tn dng c xc nh mt cch c th, r rng v hp l, trn c s cn bng gia li ch v ri ro; cn bng gia vic tun th Php lut vi chp nhn cc thng l nghip v tn dng. 3. nh k 6 thng mt ln hoc trong trng hp c bit cn thit, HQT t chc xem xt nh gi li tnh hnh v vic thc hin Chnh sch tn dng ca BAOVIET BANK. 12 iu 12. Mt s chnh sch tn dng ca BAOVIET BANK 1. BAOVIET BANK la chn cc Khch hng mc tiu c tim nng mang li khng ch thu nhp li sut m cn thu nhp dch v v mong mun duy tr mi quan h lu di vi BAOVIET BANK, ph hp vi chin lc pht trin BAOVIET BANK trong tng thi k. 2. BAOVIET BANK thc hin vic cung cp tn dng cho cc mc ch vay vn hp php ti cc khu vc th trng nm trong phm vi hot ng ca BAOVIET BANK, tu thuc vo ngun lc, kh nng v ph hp vi nh hng chin lc pht trin ca BAOVIET BANK. 3. Thng qua cc hot ng ti Hi s chnh v ti cc Chi nhnh ca mnh, BAOVIET BANK thc hin vic cho vay bng ng Vit Nam, ngoi t, cho vay nhn n bng vng v cung cp cc dch v ti chnh khc. Mi cn b, nhn vin BAOVIET BANK tham gia vo hot ng cho vay phi ch trng n vic p ng cc nhu cu tn dng c th ti a bn hot ng ca mnh. 4. Khi xem xt nhu cu vay vn, BAOVIET BANK khng phn bit i x Khch hng theo cc yu t nh: Hnh thc s hu, chng tc, quc tch, mu da, tn gio, tui tc, gii tnh, tnh trng hn nhn. 5. Quy trnh xt duyt khon vay ca BAOVIET BANK phi da trn nguyn tc hot ng c lp ca khu thm nh vi khu xt duyt cho vay. Quy trnh v ni dung thm nh do Tng Gim c quy nh ph hp vi mc ri ro ca tng loi Khch hng, tng loi khon vay. 6. Thm quyn ph duyt tn dng v hn mc tn dng, c th hin bng s tin cho vay v c y quyn cho cc c nhn hoc tp th c trch nhim ph duyt s c xem xt nh k bo m rng cc cng c ny p ng c nhu cu ca cng vic, ph hp vi kinh nghim v nng lc ca cc n v kinh doanh c th. Cc cp ch c xt duyt cho vay trong phm vi c y quyn.

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Khon 2, iu 7, Quy nh 457/2005/Q-NHNN.

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7. BAOVIET BANK thit lp h thng v quy trnh kim sot tn dng nh cc chnh sch Khch hng; chm im, phn loi Khch hng; nh gi cht lng danh mc tn dng, phn loi khon vay; theo di ti chnh, hot ng ca Khch hng v kim sot d n trong hn php. iu 13. nh hng tn dng ca BAOVIET BANK

hoch theo di, tnh hnh mc cho

1. nh hng tn dng l mt phn ca nh hng chin lc kinh doanh chung ca BAOVIET BANK. Trong giai on hin nay, BAOVIET BANK nh hng tn dng nh sau: a) Pht trin kinh doanh ti cc khu vc th pht trin v kinh t, a dng ho Khch hng, cung cp mt s sn phm ring bit bn cnh cc sn phm truyn thng i vi hot ng ngn hng; b) i vi Khch hng c nhn, tp trung pht trin cc sn phm th; sn phm lin kt bo him; pht trin tn dng tiu dng c nhn i vi nhm Khch hng c thu nhp n nh, nht l Khch hng c mc thu nhp bnh qun phi np thu thu nhp c nhn; c) i vi Khch hng doanh nghip, tp trung pht trin cc doanh nghip va v nh kinh doanh c hiu qu, hot ng trong cc ngnh ngh, lnh vc c tim nng pht trin tt; d) u tin vic cung cp sn phm, dch v gn lin vi ng dng v khai thc cng ngh thng tin, nhm n gin ha th tc x l cng vic, p ng mt cch nhanh nht yu cu ca Khch hng; 2. nh hng tn dng c th thc hin theo hng dn ca Tng Gim c. iu 14. Danh mc tn dng 1. BAOVIET BANK thc hin a dng ho ri ro thng qua vic qun tr danh mc tn dng, gm c danh mc ti sn bo m, trnh tp trung vo mt s Khch hng, lnh vc, ngnh ngh, th trng, nht l cc ngnh c th nh bo him, bt ng sn, ng tu, hng hi, hng khng, vin thng, nhm hn ch ri ro tn dng. 2. Danh mc tn dng ca BAOVIET BANK v n v kinh doanh bao gm nhng ni dung sau: a) Khch hng (mi Khch hng, tng nhm Khch hng c lin quan); b) Hn mc tn dng; c) Thi hn v th loi cho vay; d) Phng thc cho vay; e) Loi sn phm cho vay (cho vay sn xut kinh doanh, bt ng sn, sinh hot tiu dng, nng thn); f) Khu vc a l (thnh ph, qun, huyn, th x ni n v kinh doanh ng tr s v cc khu vc khc m BAOVIET BANK c php hot ng);
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g) Loi hnh Khch hng (cng ty TNHH, cng ty c phn, doanh nghip Nh nc, doanh nghip c vn u t nc ngoi, doanh nghip t nhn, cng ty hp danh, hp tc x, h kinh doanh, c nhn vay tiu dng,...); h) Ngnh kinh t (cng nghip, thng mi, dch v, nng nghip,); i) Ngnh hng kinh doanh (bt ng sn, st thp, xi mng, may mc, ma ng,...); j) T trng cho vay c v khng c ti sn bo m tin vay; k) T trng cho vay bng ng Vit Nam v ngoi t; l) Phn loi n v cht lng khon vay; m) Cc ni dung cn thit khc. 3. Cc gii hn trong Danh mc tn dng s c phn b cho cc n v kinh doanh thc hin. n v kinh doanh ch c thay i Danh mc tn dng sau khi c cp c thm quyn ph duyt (nu thuc trng hp trc c cp c thm quyn ph duyt Danh mc tn dng). 4. Trong qu trnh thc hin, nu d n ca mt khon mc trong Danh mc tn dng (Khch hng, ngnh hng, khu vc,...) vt qu gii hn quy nh trong Danh mc tn dng, n v kinh doanh s ngng cho vay khon mc hoc u tin cho vay cc Khch hng c BAOVIET BANK xp hng cao v hn ch i vi cc Khch hng c xp hng thp trong khon mc . 5. Vic r sot danh mc tn dng c thc hin hng thng thng qua y ban ALCO. Phng Qun l Ri ro c trch nhim phn tch, nh gi v qun l Danh mc tn dng; nh k 6 thng mt ln (hoc khi cn thit) bo co Tng Gim c trnh HQT xem xt li chnh sch tn dng v ph duyt nhng ni dung ch yu ca Danh mc tn dng. 6. Tng Gim c ch o vic xy dng v gim st qu trnh thc hin Danh mc tn dng, ng thi cnh bo, x l kp thi khi c nhng din bin bt thng ca th trng, cc chnh sch ca Nh nc v cc nguyn nhn khc c th dn ti ri ro. iu 15. Thng tin tn dng 1. Thng tin tn dng ca BAOVIET BANK c xy dng, pht trin, cp nht vo my tnh v qun l tp trung trong ton H thng, gip cho Cn b tn dng v cc cp qun l hiu r Chnh sch tn dng, ng thi sn sng chia s phc v mc tiu qun l tn dng ca BAOVIET BANK. 2. Thng tin tn dng c tp hp t cc ngun sau: a) Cc ti liu ca Khch hng cung cp cho BAOVIET BANK ngh cp tn dng; b) Bo co ti chnh ca Khch hng cung cp b sung theo nh k thng, qu, nm; c) Cc bo co, chng t lin quan n vic s dng vn vay; d) Bng theo di qu trnh cho vay, tr n gc v li cho BAOVIET BANK;
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e) Thng tin qua tip xc, trao i trc tip vi i din ca Khch hng, ngi lao ng v xem xt ti c s sn xut, kinh doanh; f) Cc thng tin v th trng trn cc phng tin thng tin i chng; g) Cc ngun thng tin khc c lin quan n khon vay v Khch hng. 3. Cc n v, b phn lin quan c trch nhim cung cp thng tin tn dng, k c thng tin mt phc v cho qu trnh thm nh, quyt nh cho vay v qun l, x l n trong ni b H thng BAOVIET BANK theo quy nh hoc khi c yu cu. Vic chia s thng tin tn dng ca cc c nhn tham gia vo hot ng tn dng phi tun th cc nguyn tc sau y: a) Bo v li ch ca BAOVIET BANK, trnh t BAOVIET BANK vo cc tnh th bt li; b) p ng ti a nhu cu ca Khch hng, tuy nhin phi tun th quy nh ca Php lut v ca BAOVIET BANK v cung cp v bo mt thng tin; c) Phi cung cp thng tin, t vn cho Khch hng mt cch y v kp thi; d) Thc hin ng cam kt vi Khch hng v tun th cc quy nh trong vic cung cp thng tin cho bn th ba. 4. Tt c cc thng tin v cc khon vay khng c ph duyt v v Khch hng b t chi cho vay c lu gi trong thi hn 2 nm tham kho khi cn thit. iu 16. Chnh sch khuyn khch v u i Khch hng tn dng 1. Cc chnh sch u i i vi Khch hng bao gm: a) Li sut, t l k qu, ph cho vay; b) T l cho vay so vi gi tr ti sn bo m; c) Loi ti sn bo m tin vay; d) Cc u i khc theo quy nh ca BAOVIET BANK. 2. Khch hng c khuyn khch v u i cho vay theo hng dn ca Tng Gim c, trn c s c mt hoc mt s iu kin di y: a) Khch hng c thi gian giao dch vi BAOVIET BANK t 2 nm tr ln, c quan h thng xuyn, c tn nhim trong quan h vay vn v thanh ton vi BAOVIET BANK; b) Khch hng s dng nhiu sn phm, dch v hoc c ng gp nhiu vo thu nhp ca BAOVIET BANK; c) Khch hng m BAOVIET BANK c th phc v trn gi cc nhu cu: Tn dng, bo lnh, dch v thanh ton, tin gi v cc dch v khc; d) Khch hng c quan h tn dng, thanh ton ch yu thng qua BAOVIET BANK m BAOVIET BANK c kh nng qun l c ngun thu hoc hot ng lun chuyn vn ca Khch hng; e) Khch hng c D n, phng n vay vn c tnh kh thi cao, ng thi bo m kh nng thu hi n cao;
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f) Khch hng c tnh hnh sn xut kinh doanh n nh, chc chn v tnh hnh ti chnh lnh mnh; khng nh c thng hiu, uy tn kinh doanh; g) Khch hng vay c bo m tin vay bng tin mt, th tit kim, vng, giy t c gi ngn hn bo m kh nng thanh ton cao; h) Khch hng sn xut, kinh doanh xut nhp khu hoc cc ngnh khc ang pht trin thun li, c th trng n nh; i) Khch hng tim nng, c quy m sn xut, kinh doanh ln v thc lc ti chnh vng mnh m BAOVIET BANK c ch trng thu ht; j) Khch hng thuc trng hp khc cn khuyn khch v u i cho vay theo hng dn ca Tng Gim c. iu 17. Nhng nhu cu vn khng c cho vay theo quy nh ca Php lut 13 1. Cho vay u t, mua sm cc hng ho v thc hin cc dch v m Php lut cm kinh doanh (tr trng hp c th c Th tng Chnh ph cho php) (xem Ph lc 01/2009/PL-QCCV); cm xut khu, cm nhp khu (xem Ph lc 02/08PC/PL-QCCV). 2. Cho vay thanh ton cc chi ph cho vic thc hin cc giao dch m Php lut cm. 3. Cho vay gp vn mua c phn thnh lp ngn hng thng mi c phn. 14 4. Cho vay p ng cc nhu cu ti chnh ca giao dch m Php lut cm. 5. Cho vay o n khng theo ng quy nh ca Chnh ph v NHNN Vit Nam (cho vay tr n gc, li n hn cho BAOVIET BANK hoc cc T chc tn dng khc; tr trng hp li vay c tnh vo gi tr u t ti sn c nh). 6. Cho vay p ng cc nhu cu sn xut, kinh doanh, dch v khi Khch hng khng c Giy chng nhn ng k kinh doanh v Giy php kinh doanh ca cc c quan chc nng theo quy nh ca Php lut i vi cc nhu cu sn xut, kinh doanh, dch v phi c Giy chng nhn ng k kinh doanh hoc Giy php kinh doanh. 7. Cho vay cc nhu cu vn ca Khch hng chi ph, mua cc ti sn m Php lut cm hoc hn ch chuyn ra nc ngoi; ti sn m nc tip nhn u t cm tip nhn hoc hn ch giao dch. 15 iu 18. Nhng trng hp khng c cho vay theo quy nh ca Php lut 1. n v kinh doanh khng c cho vay cc trng hp di y theo quy nh ca Php lut: 16

13 14

15

iu 9 (Nhng nhu cu vn khng c cho vay), Quy ch. 1627/2001/Q-NHNN (khon 1 n 3). im c, khon 1, iu 5 (iu kin cp giy php), Quy ch Cp giy php thnh lp v hot ng ngn hng TMCP, ban hnh km theo Quyt nh s 24/2007/Q-NHNN ngy 07-6-2007, c sa i, b sung theo Quyt nh s 46/2007/Q-NHNN ngy 25-12-2007ca Thng c NHNN. Mc 5, Thng t s 10/2006/TT-NHNN ngy 21-12-2006 ca Thng c NHNN Hng dn vic TCTD cho khch hng vay u t trc tip ra nc ngoi.

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a) Thnh vin HQT, Ban Kim sot, Tng Gim c, Ph Tng Gim c BAOVIET BANK; b) Cn b, nhn vin ca BAOVIET BANK thc hin nhim v thm nh, quyt nh cho vay; c) B, m, v, chng, con ca thnh vin HQT, Ban Kim sot, Tng Gim c, Ph Tng Gim c BAOVIET BANK. 2. n v kinh doanh khng c chp nhn bo lnh ca cc i tng quy nh ti khon 1, iu ny lm c s cho vic cho vay v bo lnh i vi Khch hng. 17 3. n v kinh doanh khng c cp tn dng cho cc doanh nghip hot ng trong lnh vc kinh doanh chng khon m BAOVIET BANK nm quyn kim sot. 18 4. n v kinh doanh khng c cho vay di mi hnh thc, k t khi doanh nghip c quyt nh gii th doanh nghip 19 iu 19. Nhng trng hp hn ch cho vay theo quy nh ca Php lut 1. n v kinh doanh khng c cho vay khng c bo m, cho vay vi nhng iu kin u i v li sut, v mc cho vay theo quy nh ca Php lut i vi nhng i tng c nu ti khon 2 ca iu ny: 20 2. Nhng i tng di y b hn ch cho vay: a) T chc kim ton, Kim ton vin c trch nhim kim ton ti BAOVIET BANK; Thanh tra vin ang thc hin nhim v thanh tra ti BAOVIET BANK; K ton trng BAOVIET BANK; b) Cc c ng ln (s hu trn 10% vn iu l) ca BAOVIET BANK; c) Doanh nghip c mt trong nhng i tng c quy nh ti khon 1, iu 18, Quy nh ny s hu trn 10% vn iu l ca doanh nghip . 3. n v kinh doanh khng c cp tn dng khng c bo m, cp tn dng vi nhng iu kin u i cho cc doanh nghip m BAOVIET BANK nm quyn kim sot v phi tun th mc gii hn theo quy nh ti iu 21 ca Quy nh ny. 21 4. n v kinh doanh khng c cho vay khng c bo m i vi cc khon vay nhm u t, kinh doanh chng khon. 22

16

17 18

19 20 21

22

Khon 1, iu 77 (Nhng trng hp khng c cho vay), Lut Cc TDTD; khon 1, iu 19, Quy ch. 1627/2001/Q-NHNN. Khon 2, iu 77 (Nhng trng hp khng c cho vay), Lut Cc TDTD. im 1.5, khon 1, iu 8, Quy nh 457/2005/Q-NHNN ( c sa i, b sung theo Quyt nh s 03/2007/Q-NHNN ngy 19-01-2007). iu 159 (Cc hot ng b cm k t khi c quyt nh gii th), Lut Doanh nghip nm 2005. iu 78 (Hn ch tn dng), Lut Cc TDTD; iu 20 (Hn ch cho vay), Quy ch. 1627/2001/Q-NHNN. im 1.4, khon 1, iu 8, Quy nh 457/2005/Q-NHNN ( c sa i, b sung theo Quyt nh Quyt nh s 03/2007/Q-NHNN ngy 19-01-2007). im 1.4, khon 1, iu 8, Quy nh 457/2005/Q-NHNN ( c sa i, b sung theo Quyt nh s 03/2007/Q-NHNN ngy 19-01-2007).

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iu 20. Nhng trng hp khng cho vay theo quy nh ca BAOVIET BANK 1. Khch hng vay vn khng bo m s tin cy di y: a) Cung cp thng tin sai hoc giu gim, trnh n cung cp thng tin lin quan n nhu cu tn dng; a) Thiu nng lc qun l hot ng sn xut, kinh doanh; doanh nghip b l lin tip trong 2 nm gn k v khng c phng n khc phc kh thi; b) ang c n kh i ti cc T chc tn dng khc; tng c n xu ti BAOVIET BANK trong thi hn cha qu 1 nm v l do ch quan; b) Chy trong tr n hoc thng xuyn tr n tr hn, pht sinh n qu hn nhiu ln ti BAOVIET BANK hoc cc T chc tn dng khc; c) ang b truy cu trch nhim hnh s, ang chp hnh hnh pht hoc cha c xo n tch i vi cc ti phm v s hu, kinh t, chc v; ang b tm nh ch hot ng sn xut, kinh doanh do vi phm Php lut hoc ang c nhng vn nghim trng khc nh hng n kh nng sn xut, kinh doanh, tr n (thng qua Phiu l lch t php, Trung tm Thng tin Tn dng Ngn hng Nh nc Vit Nam - CIC hoc thng qua cc thng tin, ti liu khc). 2. Nhng trng hp cho vay khng bo m hiu qu v kh nng kim sot ca BAOVIET BANK di y: a) Khon vay m thu nhp t cho vay v giao dch khc ca Khch hng khng b p chi ph hoc khng mang li hiu qu cho BAOVIET BANK; b) Khon vay m n v kinh doanh khng qun l c ngun thu, tnh hnh hot ng sn xut, kinh doanh ca Khch hng bo m kh nng thu hi vn v qun l ri ro; c) Khon vay m n v kinh doanh khng p ng c nhu cu ca Khch hng do khng ngun vn, nhn s v phng tin phc v; d) Khon vay c kh nng ri ro ln v thiu thng tin phn tch hoc ph thuc nhiu vo yu t t nhin v yu t khch quan khc. 3. Khch hng vay vn thuc nhng trng hp c bit di y: a) Khch hng l Gim c Chi nhnh; b, m, v, chng, con rut ca Gim c, Ph Gim c Chi nhnh BAOVIET BANK ti chnh Chi nhnh ; 23 b) Khch hng mc bnh him ngho hoc c tnh trng sc kho khng bo m cho kh nng s dng vn vay v tr n mt cch an ton, hiu qu; c) Cho vay sn xut, kinh doanh nhng th nguy him, c hi, gy nhim nghim trng n mi trng, m Nh nc c ch trng hn ch sn xut, kinh doanh; d) D n, phng n vay vn trin khai trn mt bng thuc din phi di di;

23

Khon 3, iu 19 (Nhng trng hp khng c cho vay), Quy ch 1627/2001/Q-NHNN quy nh: Vic p dng quy nh khng cho vay i vi b, m, v, chng, con ca Gim c, Ph Gim c chi nhnh ca TCTD do TCTD xem xt quyt nh.

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e) Cc php nhn l cc c quan hnh chnh Nh nc, n v v trang nhn dn, t chc chnh tr, t chc chnh tr - x hi, t chc chnh tr - x hi - ngh nghip, t chc x hi - ngh nghip; t chc x hi, cc qu t thin v cc php nhn khc vay vn m khng c ngun thu t chnh khon tin vay. iu 21. Gii hn cho vay 1. Gii hn cho vay c quy nh nh sau: a) Tng d n cho vay i vi mi Khch hng khng c vt qu 15% Vn t c ca BAOVIET BANK; 24 b) Tng d n cho vay i vi mi nhm Khch hng c lin quan khng c vt qu 50% Vn t c ca BAOVIET BANK; 25 c) Tng d n cho vay i vi cc i tng Khch hng c quy nh ti iu 19 ca Quy nh ny khng c vt qu 5% Vn t c ca BAOVIET BANK; 26 d) Trng hp nhu cu vn ca mt khch hng vt qu 15% Vn t c ca BAOVIET BANK hoc Khch hng c nhu cu huy ng vn t nhiu ngun th BAOVIET BANK cho vay hp vn theo quy nh ca Thng c Ngn hng Nh nc. 27 2. Cc ni dung di y thc hin theo hng dn ca Tng Gim c: a) Gii hn mc cho vay, bo lnh i vi mi nhm Khch hng c cng mt hng, ngnh ngh, lnh vc hoc a bn kinh doanh, khi cn thit; b) Gii hn t l cho vay so vi nhu cu vn thc hin D n, phng n vay vn; c) Mc Vn t c ca BAOVIET BANK (thng bo nh k hoc khi c s thay i) cc n v kinh doanh tnh ton cc gii hn cho vay. 3. Cc mc gii hn v cc trng hp gii hn cho vay lin quan n nghip v bo lnh v cp tn dng khc c thc hin theo quy nh ti Quy nh v Ph duyt Tn dng ca BAOVIET BANK.

24

25 26 27

im a, khon 1, iu 79 (Gii hn cho vay, bo lnh, chit khu thng phiu v cc giy t c gi khc, cho thu ti chnh), Lut Cc TCTD; khon 1, iu 18 (Gii hn cho vay), Quy ch 1627/2001/QNHNN; im 1.1, khon 1, iu 8, Quy nh 457/2005/Q-NHNN. im 1.2, khon 1, iu 8, Quy nh 457/2005/Q-NHNN. Khon 2, iu 78 (Hn ch tn dng), Lut Cc TCTD. im c, khon 1, iu 79 (Gii hn cho vay, bo lnh, chit khu thng phiu v cc giy t c gi khc, cho thu ti chnh), Lut Cc TCTD; khon 1, iu 18 (Gii hn cho vay), Quy ch 1627/2001/Q-NHNN.

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Chng III CC IU KIN V LOI HNH CHO VAY iu 22. Nguyn tc cho vay 1. Khch hng cam kt bo m s dng vn vay hp php, ng mc ch tho thun trong Hp ng tn dng. 28 2. Khch hng c kh nng hon tr n gc v li vay y , ng thi hn tho thun trong Hp ng tn dng. 29 3. BAOVIET BANK thm nh, kim tra trc, trong v sau khi cho vay, ng thi t chc vic xt duyt cho vay theo nguyn tc phn nh trch nhim gia cc khu thm nh v quyt nh cho vay. iu 23. Cc iu kin vay vn ca Khch hng 30 1. C nng lc Php lut dn s, nng lc hnh vi dn s y v chu trch nhim dn s theo quy nh ca Php lut: a) Php nhn, t chc phi c cc quyn, ngha v dn s ph hp vi mc ch hot ng, quyt nh (cho php) thnh lp v ng k hot ng ca mnh; b) C nhn v ngi i din theo Php lut hoc theo u quyn ca php nhn, t chc, h gia nh, t hp tc phi c cc quyn, ngha v dn s v c kh nng bng hnh vi ca mnh xc lp, thc hin quyn, ngha v dn s . 2. Mc ch s dng vn vay hp php (khng s dng tin vay vo nhng nhu cu vn nu ti iu 17 ca Quy nh ny), ph hp vi nh hng hot ng tn dng ca BAOVIET BANK. 3. Khch hng c vn t c v kh nng ti chnh bo m tr n gc, li trong thi hn cam kt th hin nh sau: a) C kh nng v vn, ti sn ca Khch hng bo m hot ng thng xuyn v thc hin cc ngha v thanh ton ca Khch hng ; b) C vn t c tham gia vo D n, phng n vay vn. Mc vn t c tham gia vo cc D n, phng n vay vn do n v kinh doanh v Khch hng tho thun ph hp vi th trng tn dng tng vng, Chnh sch tn dng ca BAOVIET BANK v kh nng, uy tn ca Khch hng. Mc vn t c ti thiu tham gia vo D n, phng n vay vn i vi tng phng thc, sn phm cho vay theo quy nh ca BAOVIET BANK; c) Kinh doanh c hiu qu, c li; trong trng hp l, th phi xc nh c nguyn nhn l, c phng n kh thi khc phc l bo m tr n trong thi hn cam kt v ch c cho vay c bo m bng ti sn; i vi Khch hng vay vn phc v nhu cu i sng, phi c ngun thu nhp n nh hoc c ngun thu khc tr n;
28 29 30

Khon 1, iu 6 (Nguyn tc vay vn), Quy ch. 1627/2001/Q-NHNN. Khon 2, iu 6 (Nguyn tc vay vn), Quy ch. 1627/2001/Q-NHNN. iu 7 (iu kin vay vn), Quy ch. 1627/2001/Q-NHNN (t khon 1 n 5).

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a) Khng c n kh i ti BAOVIET BANK v cc T chc tn dng khc ti thi im cho vay (tr cc khon n c khoanh). 4. C D n, phng n vay vn kh thi v c hiu qu (i vi nhu cu vay vn sn xut, kinh doanh) hoc c D n, phng n vay vn kh thi (i vi nhu cu vay vn phc v i sng). 5. Thc hin ng cc quy nh v bo m tin vay theo quy nh ca Php lut v ca BAOVIET BANK. BAOVIET BANK thc hin cho vay khng c hoc khng ti sn bo m tin vay i vi cc Khch hng sau: a) Khch hng doanh nghip truyn thng, chuyn nghip v minh bch, c lch s vay, tr y , ng hn, c kh nng ti chnh, kh nng cnh tranh cao, c ngun thu bo m kh nng tr n vay; b) Khch hng c nhn c vic lm v thu nhp n nh, chc chn, bo m kh nng tr n vay. 6. i vi c nhn, h kinh doanh, h gia nh, t hp tc (khng phi l php nhn) vay vn, phi c thm cc iu kin sau: a) C nhn i din vay vn l ngi thng tr hoc tm tr di hn ti a bn cp tnh ni n v kinh doanh ng tr s. Trng hp cho vay ngoi a bn, th phi thc hin theo quy nh ti iu 24 ca Quy nh ny; b) Ch cho vay kinh doanh i vi cc trng hp c Giy chng nhn ng k kinh doanh (Giy php kinh doanh), tr trng hp cho vay nhng khon khng qu 50 triu ng kinh doanh nh l v pht trin kinh t gia nh. iu 24. iu kin cho vay khng c ti sn bo m tin vay 1. Vic cho vay khng c ti sn k qu, cm c, th chp c thc hin i vi cc Khch hng c xp hng A tr ln theo kt qu xp hng ca CIC hoc c cc iu kin di y: 31 a) S dng vn vay c hiu qu v tr n gc, li vn vay ng hn trong quan h vay vn vi BAOVIET BANK hoc cc t chc tn dng khc. Khch hng tr n gc, li vn vay ng hn l Khch hng m ti thi im k kt Hp ng tn dng khng c n gc qu hn hoc chm tr li vn vay i vi BAOVIET BANK hoc cc t chc tn dng khc. N gc qu hn, li vn vay chm tr khng bao gm n khoanh, n c gin, n ch x l theo quy nh ca Chnh ph v li vn vay chm tr pht sinh t nhng khon n ny; b) C d n u t, phng n sn xut kinh doanh, dch v kh thi, c hiu qu hoc c d n u t, phng n phc v i sng kh thi, ph hp vi quy nh ca Php lut; c) C kh nng ti chnh thc hin ngha v tr n;

31

T im a n d l tham kho quy nh ( ht hiu lc) ti iu 20 (Khch hng vay khng c bo m bng ti sn), Ngh nh s 178/1999/N-CP ( c sa i theo Ngh nh s 85/2002/N-CP) v khon 2, Mc VII, Thng t s 07/2003/TT-NHNN ngy 19-5-2003 ca Thng c NHNN Vit Nam Hng dn thc hin mt s quy nh v bo m tin vay ca cc TCTD.

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d) Cam kt thc hin bin php bo m bng ti sn theo yu cu ca BAOVIET BANK, nu s dng vn vay khng ng cam kt trong Hp ng tn dng; cam kt tr n trc hn nu khng thc hin c cc bin php bo m bng ti sn quy nh ti im ny; e) Doanh nghip khng thuc i tng b sp xp, c cu li, sp nhp, gii th, ph sn, giao, bn, khon, cho thu do vi phm Php lut hoc do tnh trng kinh doanh thua l, yu km, khng c hiu qu. 2. Cc iu kin v gii hn cho vay trong trng hp cho vay khng c ti sn k qu, cm c, th chp c quy nh nh sau: a) Mc cho vay ti a khng c ti sn k qu, cm c, th chp vi mt Khch hng doanh nghip khng vt qu vn t c ca Khch hng; tr trng hp c bit do Tng Gim c quyt nh; b) Tng mc cho vay khng c ti sn k qu, cm c, th chp ca mi n v kinh doanh khng vt qu 20% tng d n cho vay ti n v kinh doanh , tr trng hp c bit do Tng Gim c quyt nh; c) Mc vn t c tham gia vo nhu cu vn thc hin phng n, d n vay vn khng c ti sn k qu, cm c, th chp t nht bng 30% tng s vn u t ca phng n, d n vay vn . 3. Cc iu kin v gii hn cho vay khng c ti sn k qu, cm c, th chp hoc khng c bo lnh i vi cn b, nhn vin thuc mt s c quan, t chc (bao gm c t chc on th chnh tr - x hi) phc v nhu cu gp vn, mua c phn; sn xut, kinh doanh, lm dch v nh, pht trin kinh t gia nh hoc phc v i sng (bao gm c trng hp nhn bo lnh ca cc doanh nghip) c thc hin theo hng dn ca Tng Gim c v cho vay phc v i sng i vi cn b, nhn vin ca mt s t chc. 4. Cc n v kinh doanh trnh Tng Gim c quyt nh i vi cc trng hp cho vay khng c ti sn bo m, ng thi hon ton chu trch nhim trong vic thu hi c n gc v li; tr trng hp cho vay theo phng thc, sn phm khng c ti sn bo m c HQT hoc Tng Gim c ph duyt. iu 25. iu kin b sung i vi cho vay ngoi a bn 1. Cho vay ngoi a bn l vic cho vay i vi Khch hng c mt hoc mt s yu t di y ngoi tnh, thnh ph trc thuc trung ng ni n v kinh doanh ng tr s (tr trng hp cho vay cm c bng th tit kim, giy t c gi): a) Ni ng k h khu thng tr (KT1, KT2) hoc ni tm tr di hn (KT3) ca Khch hng l c nhn, h gia nh, t hp tc, h kinh doanh; b) Ni t tr s chnh ca Khch hng l php nhn, t chc; ni t tr s ca n v ph thuc php nhn, t chc vay vn theo s u quyn ca php nhn, t chc ; c) Ni c ti sn bo m tin vay l bt ng sn; ni bo qun, lu gi ti sn bo m tin vay l ng sn; d) Ni thc hin D n, phng n vay vn;
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e) Cc trng hp khc theo hng dn ca Tng Gim c. 2. Khi cho vay ngoi a bn, n v kinh doanh phi bo m cc yu cu sau: a) Tnh ton c hiu qu c th gia chi ph qun l v thu nhp ca khon vay, ng thi c bin php qun l khon vay an ton theo quy nh ti Quy nh ny; b) Khng c gii ngn trc khi hon thnh cc th tc v bo m tin vay (cng chng, chng thc, ng k giao dch bo m, mua bo him) theo quy nh ca Php lut v ca BAOVIET BANK; c) Khng c tip tc cho vay thm v gii ngn s tin theo Hp ng tn dng k khi Khch hng ang c n xu ti BAOVIET BANK; d) Khng c p dng t l cho vay so vi ti sn bo m tin vay cao hn mc thng thng theo quy nh ca BAOVIET BANK, tr trng hp c Tng Gim c hoc Hi ng Tn dng hoc U ban Tn dng BAOVIET BANK ph duyt. 3. Nhng trng hp v nhng khu vc khng phi p dng nhng iu kin hn ch cho vay ngoi a bn theo quy nh ti khon 1 ca iu ny i vi cc a bn thuc tnh, thnh ph gip ranh v gn tr s ca n v kinh doanh do Tng Gim c quyt nh. iu 26. iu kin b sung i vi cho vay kinh doanh bt ng sn 1. Khch hng vay vn kinh doanh bt ng sn phi l doanh nghip hoc hp tc x c vn php nh v ng k kinh doanh bt ng sn theo quy nh ca Php lut. 32 2. iu kin nng lc ti chnh i vi Khch hng vay l ch u t d n khu th mi, d n khu nh , d n h tng k thut khu cng nghip: 33 a) Phi c vn u t thuc s hu ca mnh thc hin d n theo quy nh sau y: i vi d n khu th mi v d n h tng k thut khu cng nghip, th khng thp hn 20% tng mc u t ca d n c ph duyt; i vi d n khu nh , th khng thp hn 15% tng mc u t ca d n c quy m s dng t di 20 ha, khng thp hn 20% tng mc u t ca d n c quy m s dng t t 20 ha tr ln c ph duyt.

b) Tng mc u t d n khu th mi, d n khu nh , d n h tng k thut khu cng nghip thc hin theo cc quy nh ca Php lut tng ng. c) Vn thuc s hu ca ch u t l vn thc c ca ch u t tnh n nm trc lin k vi nm ch u t thc hin d n, c th hin trong bo co

32

33

Khon 1, iu 8 (iu kin i vi t chc, c nhn hot ng kinh doanh bt ng sn), Lut Kinh doanh bt ng sn nm 2006. iu 5 (iu kin nng lc ti chnh i vi ch u t d n khu th mi, d n khu nh , d n h tng k thut khu cng nghip), Ngh nh s 153/2007/N-CP ngy 15-10-2007 ca Chnh ph Quy nh chi tit v hng dn thi hnh Lut Kinh doanh bt ng sn.

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ti chnh ca ch u t v phi c kim ton c lp xc nhn. Trng hp ch u t l doanh nghip, hp tc x mi thnh lp, th phi c vn bn xc nhn ca c quan, t chc c thm quyn. 3. Mc cho vay ti a bng 60% tng gi tr vn u t. 4. Trng hp Khch hng vay s dng vn vay vo mc tiu u c, kinh doanh (mua i bn li) bt ng sn, m ngun tr n ph thuc vo vic bn chnh nhng bt ng sn ; th ti sn bo m tin vay phi c kh nng chuyn nhng cao; nu l nh , cng trnh xy dng khc, th phi c Giy chng nhn quyn s hu; nu l quyn s dng t, th phi c Giy chng nhn quyn s dng t. iu 27. iu kin b sung i vi cho vay gp vn vo doanh nghip 1. Cho vay gp vn vo doanh nghip bao gm: a) Cho c nhn, doanh nghip vay vn u t, gp vn kinh doanh theo mt D n, phng n vay vn c th ca doanh nghip khc; b) Cho c nhn vay vn gp vn iu l, mua c phn, chng ch qu, tri phiu ca doanh nghip; c) Cho doanh nghip vay vn gp vn iu l, mua c phn, chng ch qu, tri phiu ca doanh nghip khc. 2. Thi hn cho vay gp vn vo doanh nghip c quy nh nh sau: a) Thi hn cho vay gp vn u t vo mt D n, phng n vay vn khng qu thi hn hon vn theo D n, phng n vay vn; b) Thi hn cho vay gp vn iu l, mua c phn, chng ch qu, tri phiu khng qu 10 nm. 3. nh gi c tnh hiu qu, kh nng thu hi vn ca phng n gp vn u t v tng th tnh hnh sn xut kinh doanh ca doanh nghip nhn vn gp, bn c phn, chng ch qu, tri phiu. 4. Vic nhn ti sn bo m tin vay l ti sn c hnh thnh t chnh vn vay, ch c tha nhn khi c giy t chng minh quyn s hu ti sn v hon thin th tc ng k giao dch bo m. iu 28. iu kin b sung cho vay u t trc tip ra nc ngoi 34 1. C d n u t khng thuc Danh mc cc lnh vc b cm, hn ch u t trc tip ra nc ngoi do Th tng Chnh ph ban hnh. 2. C cc iu kin u t trc tip ra nc ngoi v chuyn vn u t ra nc ngoi: a) C d n u t trc tip ra nc ngoi; b) Thc hin y ngha v ti chnh i vi Nh nc Vit Nam;
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Khon 1, iu 4, iu 23, Ngh nh s 78/2006/N-CP ngy 09-8-2006 ca Chnh ph Quy nh v u t trc tip ra nc ngoi; Mc 5, Thng t s 10/2006/TT-NHNN ngy 21-12-2006 ca Thng c NHNN Hng dn vic TCTD cho khch hng vay u t trc tip ra nc ngoi.

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c) Tun th cc quy nh ca Php lut v qun l v s dng vn nh nc i vi cc trng hp s dng vn nh nc u t trc tip ra nc ngoi; d) c B K hoch v u t cp Giy chng nhn u t; e) D n u t c c quan nh nc c thm quyn ca nc tip nhn u t chp thun theo quy nh ca Php lut nc tip nhn u t. 3. C vn ch s hu (bao gm vn ca ch s hu, cc qu v li nhun cha phn phi) tham gia vo tng mc vn u t ca d n u t trc tip ra nc ngoi theo hng dn ca Tng Gim c. iu 29. iu kin b sung i vi nhng trng hp khc 1. i vi cc khon vay khng c ti sn bo m hoc bo m bng dy chuyn my mc, thit b chim trn 50% gi tr ti sn bo m, th phi c Tng Gim c ph duyt, tr trng hp cho vay theo phng thc, sn phm c Tng Gim c ph duyt. 2. i vi cc khon vay t 30 t ng tr ln v khon cp Hn mc tn dng t 50 t ng tr ln, phi c Bo co kim ton c lp (k t thi im c kim ton n thi im c cp tn dng cha qu 12 thng). Nu khng c Bo co kim ton c lp hoc thi im cp tn dng vt qu 12 thng so vi thi im c kim ton, th Phng Ti thm nh trch nhim t chc vic thm nh nh gi b sung. 3. i vi cc khon cho vay trung, di hn vi mc cho vay t 20 t ng tr ln, phi c s tham gia thm nh trc tip (kim tra thc t v tip xc vi Khch hng) ca Phng Ti thm nh BAOVIET BANK. 4. i vi trng hp s dng vn vay u t hoc chuyn cho ngi khc s dng vo mc ch kinh doanh (khng c s tham gia qun l ca chnh Khch hng vay vn ), m ngun thu n t hot ng u t, kinh doanh, th n v kinh doanh ch cho vay khi c kh nng thm nh v theo di c cc hot ng u t, kinh doanh . 5. i vi mt s lnh vc kinh doanh, cn thc hin cc iu kin kinh doanh theo quy nh ca Php lut, nh: a) Cho vay u t, kinh doanh trong lnh vc m Php lut quy nh thuc loi hng ho, dch v hn ch kinh doanh hoc kinh doanh c iu kin, th phi thc hin cc quy nh v iu kin hn ch kinh doanh theo quy nh ca Php lut (xem Ph lc 03 v 04/2009/PL-QCCV); b) Cho vay mua t trong nc, th t phi bo m cn nin hn s dng theo mc ch v phng n vay; c) Cho vay nhp khu t qua s dng c nhp khu phi bo m iu kin: Khng qu 5 nm, tnh t nm sn xut n nm nhp khu (thi im t v n cng Vit Nam) v cc iu kin nhp khu khc; 35
35

Khon 3, iu 10 (Mt s mt hng xut khu, nhp khu theo quy nh ring), Ngh nh s 12/2006/N-CP ngy 23-01-2006 ca Chnh ph Quy nh chi tit thi hnh Lut Thng mi v hot ng mua bn hng ho quc t v cc hot ng i l mua, bn, gia cng v qu cnh hng ha vi nc ngoi; Thng t lin tch

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d) Cho vay mua, nhp khu tu bin, nu l ng k ln u ti Vit Nam i vi tu bin qua s dng, th tu khch khng qu 10 tui, tu khc khng qu 15 tui; trng hp c bit do B trng B Giao thng - Vn ti quyt nh, nhng khng qu 5 tui. 36 iu 30. Th loi cho vay 37 1. n v kinh doanh xem xt quyt nh cho Khch hng vay theo cc th loi ngn hn, trung hn v di hn nhm p ng nhu cu vn cho sn xut, kinh doanh, dch v, i sng v D n u t pht trin. 2. Th loi cho vay c xc nh nh sau: a) Cho vay ngn hn l cc khon cho vay c thi hn cho vay n 12 thng; b) Cho vay trung hn l cc khon cho vay c thi hn cho vay trn 12 thng n 60 thng; c) Cho vay di hn l cc khon cho vay c thi hn cho vay trn 60 thng. iu 31. Cho vay u i v cho vay D n u t thuc tn dng u t pht trin ca Nh nc 38 1. BAOVIET BANK thc hin cho vay i vi Khch hng thuc i tng c hng chnh sch tn dng u i theo quy nh ca Chnh ph, NHNN Vit Nam v hng dn ca BAOVIET BANK. 2. BAOVIET BANK cho vay D n u t thuc tn dng u t pht trin ca Nh nc thc hin theo cc quy nh ca Php lut v tn dng u t pht trin ca Nh nc.

3. Trc khi cho vay u i v cho vay D n u t thuc tn dng u t pht trin ca Nh nc, BAOVIET BANK tin hnh thm nh hiu qu ca D n u t; nu xt thy khng c hiu qu, khng c kh nng hon tr n vay c gc v li th khng c cho vay, ng thi thng bo kt qu thm nh cho ch D n, nu r l do t chi v bo co Tng Gim c bit bo co c quan Nh nc c thm quyn. iu 32. Cho vay theo u thc 39 1. BAOVIET BANK cho vay theo u thc ca Chnh ph, t chc, c nhn trong v ngoi nc theo hp ng nhn u thc cho vay k kt vi c quan i din ca
s 03/2006/TTLT-BTM-BGTVT-BTC-BCA ngy 31-3-2006 ca B Thng mi - B GTVT - B Ti chnh - B Cng an Hng dn vic nkr t ch ngi di 16 ch ngi qua s dng theo Ngh nh s 12/2006/N-CP ngy 12-01-2006; Mc 2 (Nhp khu t cc loi qua s dng) Phn IV, Thng t s 04/2006/TT-BTM ngy 06-4-2006 ca B trng B Thng mi Hng dn mt s ni dung quy nh ti Ngh nh s /2006/N-CP ngy 23-01-2006. Khon 1, iu 8 (Gii hn tui tu bin ng k ln u ti Vit Nam), Ngh nh s 49/2006/N-CP ngy 18-5-2006 ca Chnh ph v ng k v mua, bn tu bin. iu 50 (Loi cho vay), Lut Cc TCTD; iu 8 (Th loi cho vay), Quy ch. 1627/2001/Q-NHNN. iu 26 (Cho vay u i v cho vay d n u t thuc tn dng u t pht trin ca Nh nc), Quy ch. 1627/2001/Q-NHNN. iu 27 (Cho vay theo u thc), Quy ch. 1627/2001/Q-NHNN.

36

37 38

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Chnh ph hoc t chc, c nhn. Vic cho vay u thc phi ph hp vi quy nh hin hnh ca Php lut v tn dng, hp ng u thc v hng dn ca BAOVIET BANK. 2. n v kinh doanh thc hin u thc c hng ph u thc v cc khon hng li khc tho thun trong hp ng u thc cho vay, bo m b p chi ph, d phng ri ro v c li. 3. Vic cho vay u thc m bn u thc l cc t chc v c nhn nc ngoi phi c Tng Gim c chp thun bng vn bn. 4. n v kinh doanh nhn u thc phi chu trch nhim cho vay ng i tng, ng D n, thu hi vn, li cho vay v cc tho thun khc theo tho thun trong hp ng u thc. iu 33. Cho vay bng ngoi t 1. Trng hp cho vay bng ngoi t (khi BAOVIET BANK c php hot ng ngoi hi), n v kinh doanh v Khch hng phi thc hin ng quy nh ca Php lut v qun l ngoi hi v ca BAOVIET BANK. 40 2. Vic cho vay bng ngoi t i vi ngi c tr (theo quy nh ti khon 2, iu 4, Php lnh Ngoi hi nm 2005) c thc hin i vi cc nhu cu vn di y: 41 a) thanh ton cho nc ngoi tin nhp khu hng ho, dch v phc v hot ng sn xut, kinh doanh; b) tr n nc ngoi trc hn, nu khon vay bo m cc iu kin sau: Chp hnh ng cc quy nh v vay, tr n nc ngoi theo quy nh ca Php lut v ngoi hi; 42 Khch hng vay c kh nng tr n gc v li vn vay bng ngoi t, tit kim c chi ph vn vay so vi vic vay vn nc ngoi.

c) u t trc tip ra nc ngoi theo quy nh ca Php lut v u t v hng dn ca Ngn hng Nh nc. 3. i vi cc khon vay trung v di hn ca cc doanh nghip, cc n v kinh doanh ch c chuyn tin tr n cho nc ngoi khi khon vay c ng k theo quy nh. 43 4. Khch hng vay loi ngoi t no th tr n bng ngoi t . Trng hp Khch hng ngh tr n bng ngoi t khc hoc ng Vit Nam (VND), n v kinh doanh xem xt quyt nh ph hp vi Chnh sch tn dng, ngun ngoi t, li ch
40 41

42

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Da theo iu 4 (Thc hin quy nh v qun l ngoi hi), Quy ch. 1627/2001/Q-NHNN. iu 1, Quyt nh s 09/2008/Q-NHNN ngy 10-4-2008 ca Thng c NHNN v Cho vay bng ngoi t ca T chc tn dng i vi Khch hng vay l ngi c tr. Chp hnh Quy ch Qun l vay v tr n nc ngoi, ban hnh km theo Ngh nh s 134/2005/N-CP ngy 01-11-2005 ca Chnh ph. Khon 8, iu 28 (Nguyn tc, phng thc qun l); khon 4, iu 30 (Nguyn tc qun l), Quy ch Vay v tr n nc ngoi, ban hnh km theo Ngh nh s 134/2005/N-CP ngy 01-11-2005 ca Chnh ph v hng dn ca NHNN.

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ca BAOVIET BANK v iu kin ca Khch hng; 44 nu ng th tho thun vi Khch hng cc iu kin tr n v nguyn tc quy i theo t gi bn ra ca BAOVIET BANK b sung vo Hp ng tn dng. iu 34. Cc phng thc cho vay 45 1. Cho vay tng ln. 2. Cho vay theo Hn mc tn dng. 3. Cho vay theo D n u t. 4. Cho vay hp vn. 5. Cho vay tr gp. 6. Cho vay theo Hn mc tn dng d phng. 7. Cho vay thng qua nghip v pht hnh v s dng th tn dng. 8. Cho vay theo hn mc thu chi. 9. Cho vay tiu dng v cc phng thc cho vay khc. iu 35. Cho vay tng ln 46 Phng thc cho vay tng ln p dng i vi Khch hng c nhu cu vay vn tng ln. Mi ln vay vn, Khch hng v n v kinh doanh lp th tc vay vn theo quy nh v k Hp ng tn dng. iu 36. Cho vay theo Hn mc tn dng 1. Phng thc cho vay theo Hn mc tn dng p dng vi Khch hng c nhu cu vay vn thng xuyn, kinh doanh n nh. Trong thi hn hiu lc ca hp ng Hn mc tn dng, Khch hng c th va rt vn vay, va tr n vay v bo m s d n khng vt qu Hn mc tn dng. 47 2. iu kin p dng phng thc cho vay theo Hn mc tn dng: a) Khch hng p ng cc iu kin ti iu 22 ca Quy nh ny; b) Khch hng giao dch thng xuyn ti BAOVIET BANK; c) i tng vay vn ca Khch hng v ngun thu ca Khch hng t cc i tng c xc nh l thng xuyn v n nh. 3. Xc nh Hn mc tn dng: a) n v kinh doanh cn c vo nhu cu vay vn; nng lc ti chnh; chu k sn xut, kinh doanh; vng lun chuyn vn vay, dng tin, kh nng qun l sn xut, kinh doanh; loi v tr gi ti sn bo m tin vay ca Khch hng v kh nng ngun vn ca BAOVIET BANK xc nh nhu cu vn v Hn

44 45 46 47

Khon 4, iu 13 (Tr n gc v li vn vay), Quy ch. 1627/2001/Q-NHNN. iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 1, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 2, iu 16, Quy ch. 1627/2001/Q-NHNN.

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mc tn dng cho Khch hng m n v kinh doanh c th p ng trong mt thi gian nht nh (thng l 1 nm). b) i vi Khch hng sn xut, kinh doanh tng hp, th D n, phng n sn xut, kinh doanh ca Khch hng l tng hp cc D n, phng n sn xut, kinh doanh ca tng i tng, theo n v kinh doanh xc nh Hn mc tn dng cho c D n, phng n sn xut, kinh doanh tng hp. 4. Gii ngn tin vay: a) Trong phm vi Hn mc tn dng cn hiu lc, mi ln rt vn vay, Khch hng gi ti n v kinh doanh cc chng t chng minh mc ch s dng vn (hp ng, yu cu thanh ton ca nc ngoi,...) ph hp vi mc ch s dng vn trong Hp ng tn dng. b) Nu Khch hng rt vn theo ng mc ch v Phng n vay vn c th c ph duyt theo hn mc, th khng cn c D n u t, phng n sn xut, kinh doanh i vi tng ln rt vn. 5. Li sut cho vay: Trong Hp ng (hn mc) tn dng c th n nh li sut c th hoc quy nh nguyn tc xc nh li sut ph hp vi quy nh v li sut ca BAOVIET BANK. Li sut c th c ghi trong Kh c nhn n tng ln ph hp vi tho thun ca Khch hng v n v kinh doanh trong Hp ng (hn mc) tn dng. 6. Qun l Hn mc tn dng: a) Hn mc tn dng cho mt Khch hng vt thm quyn phn quyt ca n v kinh doanh, th phi trnh Hi s chnh lm cc th tc ph duyt. n v kinh doanh bo m mc cho vay khng vt qu Hn mc tn dng c ph duyt v k kt vi Khch hng. b) Trong qu trnh vay vn, tr n, nu vic sn xut, kinh doanh c thay i v Khch hng c nhu cu iu chnh Hn mc tn dng, th n v kinh doanh xem xt, cng Khch hng tho thun iu chnh hp l hn mc v b sung Hp ng tn dng. Trng hp vt Hn mc tn dng c ph duyt th phi lm th tc bo co Hi s chnh ph duyt. c) K kt Hn mc tn dng mi: Trc 30 ngy khi Hn mc tn dng c ht hiu lc, Khch hng gi cho n v kinh doanh D n u t, phng n sn xut, kinh doanh k tip theo. Cn c vo nhu cu vay vn ca Khch hng, n v kinh doanh thm nh xc nh Hn mc tn dng v thi hn cho vay mi. d) Trng hp Hn mc tn dng k ny thp hn Hn mc tn dng k trc, Khch hng phi gim d n ph hp vi Hn mc tn dng mi. 7. Xc nh thi hn cho tng ln vay: Thi hn cho tng ln vay c xc nh trn Kh c nhn n ph hp vi chu k sn xut, kinh doanh; nu Khch hng kinh doanh tng hp, th la chn sn phm, hot ng c chu k kinh doanh di nht hoc chim t l trng yu xc nh thi hn cho vay, nhng khng qu 12 thng.

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8. Trng hp Khch hng c nhu cu cp tn dng khc ngoi vay vn, th BAOVIET BANK s cp v qun l Hn mc tn dng cho Khch hng, bao gm c Hn mc tn dng cho vay v hn mc cp tn dng khc. iu 37. Cho vay theo D n u t 1. Cho vay theo D n u t l vic n v kinh doanh cho Khch hng vay vn thc hin cc D n u t pht trin sn xut, kinh doanh, dch v v cc D n u t phc v i sng. 48 2. n v kinh doanh cng Khch hng k Hp ng tn dng v tho thun mc vn u t duy tr cho c thi gian u t ca D n, phn nh cc K hn tr n. 3. n v kinh doanh thc hin gii ngn theo tin thc hin D n u t. 4. Mi ln rt vn vay, Khch hng lp Kh c nhn n trong phm vi Hn mc tn dng tho thun; km theo cc chng t vay vn ph hp vi mc ch s dng vn trong Hp ng tn dng. 5. Trng hp Khch hng dng ngun vn huy ng tm thi khc chi ph cho D n u t c duyt trong thi gian cha vay c vn ngn hng, th n v kinh doanh c th xem xt cho vay b p ngun vn . iu 38. Cho vay hp vn 1. Cho vay hp vn (ng ti tr, u thc) l vic n v kinh doanh tham gia cng vi mt hoc nhiu T chc tn dng khc, do mt T chc tn dng lm u mi, cho vay mt hoc mt phn D n, phng n vay vn. 49 2. Vic cho vay hp vn c thc hin theo Quy ch ng ti tr ca T chc tn dng ca Thng c NHNN Vit Nam, hng dn ca Tng Gim c v cc tho thun vi cc t chc tham gia ng ti tr. iu 39. Cho vay tr gp 50 Cho vay tr gp l vic n v kinh doanh v Khch hng xc nh v tho thun s li tin vay phi tr cng vi s n gc c chia ra tr n theo nhiu k hn trong thi hn cho vay. iu 40. Cho vay theo Hn mc tn dng d phng 1. Cho vay theo Hn mc tn dng d phng l vic n v kinh doanh v Khch hng tho thun trong hp ng cc tiu thc: Hn mc tn dng d phng, thi hn hiu lc ca Hn mc tn dng d phng; n v kinh doanh cam kt p ng ngun vn cho Khch hng bng ng Vit Nam hoc ngoi t; trong thi gian hiu lc ca hp ng, nu Khch hng khng s dng hoc s dng khng ht hn mc d phng, Khch hng vn phi tr ph cam kt tnh trong Hn mc tn dng d phng . Mc ph cam kt phi c tho thun gia Khch hng v

48 49 50

Khon 3, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 4, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 5, iu 16, Quy ch. 1627/2001/Q-NHNN.

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n v kinh doanh trong Hp ng tn dng theo quy nh ca BAOVIET BANK. 51 2. Khi khon vay theo cam kt c thc hin, n v kinh doanh v Khch hng thc hin ng quy trnh, th tc, h s theo Quy nh ny. 3. Trng hp tng Hn mc tn dng cp v Hn mc tn dng d phng vt thm quyn quyt nh ca n v kinh doanh, th phi trnh Tng Gim c ph duyt. iu 41. Cho vay thng qua nghip v pht hnh v s dng th tn dng 1. Cho vay thng qua nghip v pht hnh v s dng th tn dng l vic n v kinh doanh chp nhn cho Khch hng c s dng s vn vay trong phm vi Hn mc tn dng thanh ton tin mua hng ho, dch v v rt tin mt ti my rt tin t ng hoc im ng tin l i l ca BAOVIET BANK. Khi cho vay theo phng thc ny, n v kinh doanh v Khch hng phi tun theo cc quy nh ca Chnh ph, NHNN Vit Nam v pht hnh v s dng th tn dng. 52 2. Phng thc cho vay thng qua nghip v pht hnh v s dng th tn dng c thc hin theo quy nh c th ca Tng Gim c. iu 42. Cho vay theo hn mc thu chi 1. Cho vay theo hn mc thu chi l vic cho vay m BAOVIET BANK tho thun bng vn bn chp thun cho Khch hng chi vt s tin trn ti khon thanh ton ca Khch hng ph hp vi cc quy nh ca Chnh ph v NHNN Vit Nam v hot ng thanh ton qua t chc cung ng dch v thanh ton. 53 2. Phng thc cho vay theo hn mc thu chi thc hin theo quy nh c th ca Tng Gim c. iu 43. Cho vay tiu dng v cc phng thc cho vay khc 54 1. Cc phng thc v sn phm cho vay tiu dng i vi c nhn di y do Tng Gim c quy nh: a) Cho vay chit khu giy t c gi; b) Cho vay du hc; c) Cho vay mua xe t, mua nh ; d) Cho vay xut khu lao ng; e) Cho vay tiu dng i vi cn b, cng chc v nhn vin doanh nghip; f) Cho vay phc v cc nhu cu i sng khc. 2. Cc phng thc cho vay phc v mc ch sn xut, kinh doanh v mc ch tiu dng khc m Php lut khng cm, ph hp vi quy nh ca NHNN Vit Nam,
51 52 53 54

Khon 6, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 7, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 8, iu 16, Quy ch. 1627/2001/Q-NHNN. Khon 9, iu 16, Quy ch. 1627/2001/Q-NHNN.

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Chng IV THM NH V PH DUYT CHO VAY iu 44. nh gi, xp hng Khch hng 1. Vic chm im, xp hng tn dng i vi Khch hng bo m tnh khch quan trong qu trnh cp tn dng, nh gi ri ro trong hot ng tn dng v l c s p dng chnh sch Khch hng. 2. Cng c chm im, xp hng tn dng c p dng cho tt c cc Khch hng v p dng thng nht trong ton H thng BAOVIET BANK. 3. Mi loi Khch hng c phn thnh nhm v c xc nh trn c s cc s liu v thng tin v Khch hng. 4. Vic chm im, xp hng tn dng c BAOVIET BANK thc hin khi Khch hng n giao dch ln u v c xem xt li hng nm hoc vo bt k thi im no khi cn thit. 5. Vic chm im, xp hng tn dng c thc hin theo hng dn ca Tng Gim c. iu 45. Thm nh v quyt nh cho vay 1. Vic thm nh v quyt nh cho vay c thc hin theo nguyn tc bo m tnh c lp v phn nh r rng trch nhim c nhn, trch nhim gia khu thm nh v quyt nh cho vay nhm bo m kh nng thu hi vn, yu cu qun l v hiu qu hot ng kinh doanh. 55 2. Quy trnh thm nh v quyt nh cho vay gm cc bc sau: a) Tip nhn nhu cu vay vn, phng vn Khch hng; b) Kim tra h s, th tc v cc iu kin vay vn ban u; c) i chiu vi cc quy nh, chnh sch tn dng hin hnh ca Nh nc v ca BAOVIET BANK; d) Xem xt vic xp hng tn dng i vi Khch hng; e) Thu thp thng tin v Khch hng v v khon vay t CIC v cc ngun thng tin khc; f) Lp T trnh tn dng (Bo co thm nh) nh gi tnh kh thi, hiu qu ca D n, phng n vay vn v kh nng hon tr n vay ca Khch hng; 56

55

56

Khon 2, iu 53 (Xt duyt cho vay, kim tra vic s dng tin vay), Lut Cc TCTD; khon 1, iu 15 (Thm nh v quyt nh cho vay), Quy ch. 1627/2001/Q-NHNN. Khon 2, iu 15 (Thm nh v quyt nh cho vay), Quy ch. 1627/2001/Q-NHNN.

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g) Trnh ph duyt v xt duyt cho vay. Ti liu cung cp ph duyt khon vay gm: T trnh tn dng (Bo co thm nh) v cc ti liu c lin quan khc trong H s tn dng theo quy nh ca BAOVIET BANK; h) Thng bo kt qu thm nh, xt duyt cho Khch hng v nhng b phn lin quan. 3. n v kinh doanh tin hnh thm nh v quyt nh cho vay theo cc quy nh ti khon 2 ca iu ny. Trng hp khng ng cho vay, th khng trnh ln cp trn. Trng hp cp trn ph duyt khng ng cho vay, th n v kinh doanh cp di khng c thc hin. 4. Trng hp cc Khch hng lin quan c quan h kinh t ph thuc, th n v kinh doanh phi nh gi thn trng, cht ch a ra cc quyt nh chnh xc, bo m an ton trong hot ng kinh doanh. 57 5. Trng hp cp trn ph duyt ng cho vay, nu c pht sinh cc s kin mi hoc cp di pht hin thy cha bo m y cc iu kin cn thit th quyt nh dng vic cho vay, ng thi bo co ngay vi cp trn x l. iu 46. Ni dung thm nh v xt duyt cho vay 1. T cch php l, c im v t chc, iu hnh sn xut, kinh doanh ca Khch hng. 2. Tnh hnh ti chnh ca Khch hng. 3. Tnh hnh hot ng ca Khch hng v ca i th cnh tranh vi Khch hng. 4. Tnh php l, hiu qu v kh thi ca D n, phng n vay vn. 5. Sn phm, th trng, ngnh hng sn xut, kinh doanh v th trng cung cp u vo. 6. Cc ri ro c th xy ra v cc phng n hn ch ri ro. 7. Bin php bo m, ti sn bo m tin vay v bin php qun l ti sn bo m tin vay. 8. S tin, loi tin, thi hn, li sut v ph cho vay. 9. Hiu qu ca khon tn dng i vi BAOVIET BANK, nht l trng hp cho vay u i v li sut. 10. Bin php qun l hot ng, ngun tr n v ti sn bo m tin vay. 11. Vic Khch hng chp hnh cc quy nh lin quan ca Php lut (xem Ph lc 05/2009/PL-QCCV): a) Chp hnh cc quy nh i vi cc Doanh nghip; b) Chp hnh cc quy nh v ch ti chnh, k ton; c) Thm quyn thng qua cc hp ng, D n u t xin vay vn; d) Chp hnh cc quy nh v bo him bt buc;
57

im e, khon 1, iu 7, Quy nh 457/2005/Q-NHNN.

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e) Chp hnh cc quy nh v an ton lao ng, v sinh, mi trng v pht trin bn vng; f) Chp hnh cc quy nh c lin quan khc ca Php lut. 12. Vic p ng cc iu kin khc theo quy nh ca BAOVIET BANK v vn cn thit khc lin quan n khon vay. iu 47. Thi hn thm nh v xt duyt cho vay 1. i vi n v kinh doanh: Trong thi hn khng qu 3 ngy i vi khon vay ngn hn v khng qu 7 ngy i vi khon vay trung, di hn, k t ngy nhn c y thng tin v H s tn dng hp l theo quy nh ti iu 8 ca Quy nh ny, n v kinh doanh phi quyt nh cho vay hay khng cho vay v thng bo cho Khch hng bit (nu thuc mc ph duyt) hoc trnh ln cp trn (nu vt mc ph duyt), tr trng hp c bit, th phi gii thch cho Khch hng bit. 2. i vi Hi s chnh: Trong thi hn khng qu 3 ngy i vi khon vay ngn hn v 7 ngy i vi khon vay trung, di hn, k t ngy nhn h s do n v kinh doanh trnh, phi thng bo ng hay khng ng cho vay, tr trng hp c bit, ko di hn th phi thng bo cho n v kinh doanh bit thng bo cho Khch hng. 3. n v kinh doanh phi nim yt cng khai cho Khch hng bit v thi hn thm nh cho vay ti a ti Quy nh ny (cho vay ngn hn khng qu 7 ngy lm vic, cho vay trung v di hn khng qu 15 ngy lm vic). Trng hp khng cho vay, n v kinh doanh phi thng bo bng vn bn cho Khch hng, trong nu r l do t chi cho vay. 58 iu 48. Ph duyt cho vay Vic ph duyt cho vay v thm quyn ph duyt cho vay c thc hin theo tng khon vay hoc theo Hn mc hoc Tng hn mc tn dng trong tng thi k theo quy nh v ph duyt tn dng ca HQT. iu 49. Hon chnh th tc v iu kin cho vay 1. Cn b tn dng c trch nhim: a) Lp Hp ng tn dng theo quy nh ti iu 52 ca Quy nh ny; b) Lp Hp ng bo m tin vay v hon thin th tc bo m tin vay theo quy nh ca BAOVIET BANK; c) Kim tra, hon thin cc iu kin cho vay, bo m tin vay theo quy nh hoc theo yu cu ca cp ph duyt; 2. Cn b tn dng v cn b khc theo quy nh ca BAOVIET BANK c trch nhim kim tra vic chp hnh cc quy nh Php lut c lin quan ca Khch hng trc khi gii ngn.
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Khon 3, iu 15 (Thm nh v quyt nh cho vay), Quy ch. 1627/2001/Q-NHNN. Ngy c th do BAOVIET BANK quy nh.

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iu 50. Gii ngn khon vay 1. n v kinh doanh ch c gii ngn sau khi thc hin y cc th tc bo m tin vay v c chng t gii ngn. Gim c n v kinh doanh c quyn quyt nh v t chu trch nhim trong trng hp gii ngn ti thi im cha hon thin cc th tc cng chng, chng thc, ng k giao dch bo m, chng t gii ngn v cc iu kin khc i vi Khch hng. 2. Chng t lm cn c gii ngn gm: a) Kh c nhn n; Hp ng tn dng; b) Chng t chng minh mc ch s dng vn vay (i tng vay), tr trng hp khng phi chng minh mc ch s dng vn vay; c) U nhim chi hoc Lnh chi tin hoc Giy rt tin mt; d) Chng minh th nhn dn hoc H chiu ca ngi giao dch; e) Giy t cn thit c lin quan khc theo quy nh v chng t giao dch Khch hng ca BAOVIET BANK. 3. Vic gii ngn phi cn c vo mc ch s dng tin vay c xc nh trong Hp ng tn dng theo quy nh sau: a) Chuyn khon n ti khon ca ngi s dng vn theo D n, phng n vay vn; trng hp i tng gii ngn l cc cng trnh xy dng, th BAOVIET BANK phi hp vi ch u t gii ngn trc tip cho bn nhn thu (bn thi cng), bn cung ng vt t, hng ho, ph hp vi khi lng v tin thi cng c cc bn lin quan xc nhn; b) Gii ngn bng tin mt trong trng hp rt vn phc v nhu cu i sng v nhng trng hp c php thanh ton bng tin mt theo quy nh ca Php lut; c) Khng gii ngn vo ti khon tin gi ca Khch hng hoc chuyn khon vo ti khon ca t chc, c nhn khng c quan h kinh t trc tip vi Khch hng trong vic s dng vn vay, tr cc trng hp sau: Khon vay phc v nhu cu i sng; Khch hng chng minh c vic chuyn tin v s dng vn vay ng mc ch; n v kinh doanh c th theo di, kim tra c vic s dng vn vay ng mc ch.

d) Vic gii ngn ng trc tin mua bt ng sn hnh thnh trong tng lai ch c thc hin khi ch u t xy dng c s h tng phc v cho bt ng sn theo ni dung, tin ca D n u t c ph duyt v ph hp vi tin thc hin u t to lp bt ng sn. 59

59

Khon 1, iu 14 (Mua bn, chuyn nhng bt ng sn theo hnh thc ng tin trc, tr chm, tr dn), Lut Kinh doanh bt ng sn nm 2006.

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4. n v kinh doanh c la chn v quyt nh vic gii ngn theo Hp ng tn dng k vi Khch hng nh sau: a) Tip tc hoc ngng vic gii ngn, trong trng hp Khch hng ang c n xu ti BAOVIET BANK hoc ti cc T chc tn dng khc v nguyn nhn khch quan hoc bo m kh nng khc phc c n xu sau khi c gii ngn; b) Ngng vic gii ngn, trong trng hp Khch hng ang c n xu ti BAOVIET BANK hoc ti cc T chc tn dng khc v khng c kh nng tr n hoc khc phc c n xu sau khi c gii ngn. 5. i vi chng t k ton giao dch vi BAOVIET BANK do Khch hng l nhng n v, t chc phi b tr K ton trng theo quy nh ca Php lut, th trn chng t bt buc phi c ch k ca ch ti khon, K ton trng hoc ngi c u quyn k thay v du n v (nu l chng t bng giy). 60 6. Trng hp Khch hng l doanh nghip, nu mi ln gii ngn cch thi im k Hp ng tn dng v cch nhau trn 3 thng, th yu cu doanh nghip cung cp Bo co nhanh tnh hnh ti chnh ti thi im gii ngn, nu doanh nghip cha cung cp Bo co ti chnh hng qu tng ng. iu 51. K v ng du trn H s tn dng 1. Nhng ngi c trch nhim lp, thm nh v xt duyt H s tn dng c trch nhim k ch k chnh thc vo nhng vn bn ghi sn chc danh cn k hoc k nhng vn bn theo quy nh phi c ch k. 2. Vic k nhy vo cc vn bn do BAOVIET BANK lp ring hoc cng lp vi Khch hng c quy nh nh sau: a) Cn b tn dng hoc ngi lp H s tn dng k nhy (trng hp khng k chnh thc) vo tt c cc trang vn bn; nu c nhiu ngi tham gia lp mt vn bn, th c th mt ngi hoc tt c cng k; b) Nhng ngi c trch nhim thm nh v quyt nh cho vay c th k nhy vo tng trang vn bn, nu thy cn thit; 3. Vic ng du c quy nh nh sau: a) Con du c ng vo ch k ca ngi c thm quyn i din cho n v kinh doanh k trn vn bn; b) Trng hp vn bn c nhiu t, th ng du gip lai tt c cc t; c) Trng hp ch k trn vn bn ca ngi khng c ng du theo quy nh chung, th c th ng du treo (nu cn thit); d) Nhng vn bn ch hon ton s dng trong ni b n v kinh doanh, th khng nht thit phi ng du.

60

im c, khon 2, iu 8 (K chng t k ton ngn hng), Ch chng t k ton ngn hng, ban hnh km theo Quyt nh s 1789/2005/Q-NHNN ngy 12-12-2005 ca Thng c NHNN Vit Nam.

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4. Nhng H s tn dng do BAOVIET BANK v Khch hng cng k, c ni dung c sa cha, th i din 2 bn cng k nhy v ng du vo ni c sa cha. 5. Nhng H s tn dng do Khch hng cung cp hoc do BAOVIET BANK v Khch hng cng k, th ngh Khch hng k tn v ng du tng t nh quy nh i vi BAOVIET BANK. i vi Khch hng c nhn, th Khch hng k v ghi r h tn bng ch vit tay. Chng V HP NG TN DNG iu 52. Ni dung ca Hp ng tn dng 1. Vic cho vay ca BAOVIET BANK v Khch hng phi c lp thnh Hp ng tn dng. Hp ng tn dng phi c nhng ni dung sau: 61 a) Tn Khch hng vay, tn ngi ng trch nhim (nu c); tn n v kinh doanh; b) iu kin vay; c) Mc ch s dng vn vay; d) Phng thc cho vay; e) S vn vay; f) Li sut; ph cho vay; g) Thi hn cho vay; h) Hnh thc bo m, gi tr ti sn bo m tin vay; i) Phng thc tr n; K hn tr n; j) Vic C cu li thi hn tr n, chuyn n qu hn v tnh li sut qu hn; k) Quyn v ngha v ca cc bn; l) Nhng cam kt khc do BAOVIET BANK v Khch hng tho thun. 2. Sau khi k Hp ng tn dng, mi ln gii ngn c thc hin bng Kh c nhn n. i vi mt s nghip v cho vay n gin nh chit khu giy t c gi, th c th hin chung trong Kh c nhn n hoc hnh thc vn bn khc theo hng dn ca Tng Gim c. 3. Cc ni dung tho thun v bo m tin vay c lp thnh vn bn ring hoc ghi trong Hp ng tn dng v Kh c nhn n. iu 53. Hp ng tn dng nguyn tc 1. Hp ng tn dng nguyn tc l vn bn tho thun gia BAOVIET BANK vi Khch hng, trong xc nh cc nguyn tc chung v cc ni dung tho thun s b v vic BAOVIET BANK cam kt cho Khch hng vay mt s vn ti a
61

iu 51 (Hp ng tn dng), Lut Cc TCTD; iu 17 (Hp ng tn dng), Quy ch. 1627/2001/Q-NHNN.

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khi BAOVIET BANK c iu kin cho vay v Khch hng p ng c y nhng iu kin vay vn theo quy nh ca Php lut v ca BAOVIET BANK. 2. Hp ng tn dng nguyn tc l cn c BAOVIET BANK v Khch hng tip tc k cc Hp ng tn dng c th (trong trng hp cha iu kin k Hp ng tn dng c th). 3. Hp ng tn dng nguyn tc lm c s k Hp ng bo m tin vay v ch rng buc ngha v ca BAOVIET BANK khi Khch hng p ng c y cc iu kin vay vn theo quy nh ca Php lut v ca BAOVIET BANK. iu 54. Cam kt cho vay 1. Cam kt cho vay (cam kt ti tr vn) l vn bn ca BAOVIET BANK ghi nh vic s xem xt thm nh h s vay vn v ch cho vay sau khi Khch hng c cc iu kin vay vn theo Quy nh ny cng nh c cp c thm quyn ca BAOVIET BANK ph duyt. Cam kt cho vay khng phi l Hp ng tn dng, khng phi l vn bn bo lnh ca BAOVIET BANK cho Khch hng v khng rng buc trch nhim c th ca BAOVIET BANK trong vic cho vay. 2. Cc n v cho vay c th pht hnh Cam kt cho vay theo ngh ca Khch hng trong cc trng hp sau y: a) Cam kt s tin hnh thm nh xem xt cho vay mt s tin ti a theo D n, phng n vay vn c th; b) Cam kt s cho vay mt s tin ti a nu Khch hng c D n, phng n vay vn kh thi, c hiu qu, ng thi p ng c y cc iu kin v bo m tinh vay cng nh cc iu kin vay vn khc theo quy nh ca Php lut v ca BAOVIET BANK. 3. S tin cam kt cho vay ti a trong Cam kt cho vay khng c tnh vo hn mc tn dng. iu 55. Mc cho vay 1. n v kinh doanh cn c vo nhu cu vay vn v kh nng hon tr n ca Khch hng, loi ti sn bo m, gi tr ti sn bo m tin vay, kh nng ngun vn ca mnh v Chnh sch tn dng ca BAOVIET BANK quyt nh mc cho vay trong phm vi mc ph duyt ca n v kinh doanh. 2. Trong trng hp mc cho vay i vi Khch hng vt qu mc ph duyt hoc vt qu t l gi tr ti sn bo m tin vay theo quy nh ca BAOVIET BANK, th n v kinh doanh phi trnh cp trn trc tip xem xt, quyt nh. 3. Mc ph duyt cho vay c thc hin theo Quy nh v Ph duyt tn dng ca BAOVIET BANK.

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iu 56. Li sut cho vay 62 1. Li sut cho vay c tnh theo thng hoc nm, trn c s 30 ngy/thng v 360 ngy/nm. Trng hp s ngy vay cha 30 ngy th tnh theo ngy thc t. Ngy giao dch cng c tnh l 1 ngy. 2. Mc li sut cho vay do n v kinh doanh v Khch hng tho thun trn c s quy nh v li sut v Quy nh ny, nhng khng c vt qu 150% li sut c bn do Ngn hng Nh nc cng b i vi loi cho vay tng ng. 63 3. Cc cn c xc nh mc li sut cho vay c th: a) Mc li sut cho vay ti thiu v ti a i vi tng loi cho vay theo quy nh ca BAOVIET BANK trong tng thi k ph hp vi gi thnh vn, tnh hnh th trng, li th cnh tranh; b) Chi ph ca khon vay theo nguyn tc: Khon vay cng nh th li sut cng cao v ngc li; mc ri ro (chi ph ri ro) cng ln, th li sut cho vay cng cao v ngc li; c) Mc s dng sn phm, dch v ca BAOVIET BANK, theo nguyn tc: Khch hng s dng nhiu sn phm, dch v th li sut thp hn. 4. Mc li sut p dng i vi khon n gc qu hn (Li sut qu hn) do n v kinh doanh n nh v tho thun vi Khch hng trong Hp ng tn dng khng vt qu 150% li sut cho vay v khng vt qu li sut c bn p dng trong thi hn cho vay theo Hp ng tn dng ti thi im chuyn n qu hn (Li sut trong hn). 64 5. n v kinh doanh v Khch hng tho thun trong Hp ng tn dng vic p dng li sut cho vay theo quy nh ca BAOVIET BANK vi mt trong cc phng thc sau: a) Li sut c nh; b) Li sut thay i. 6. n v kinh doanh v Khch hng tho thun c th trong Hp ng tn dng vic p dng li sut cho vay trn c s quy nh ca BAOVIET BANK v li sut. 7. n v kinh doanh khng c php cho vay di mc li sut ti thiu ca BAOVIET BANK, tr trng hp c quy nh khc ca BAOVIET BANK. 8. Cc trng hp p dng li sut qu hn di 150% v thp hn li sut c bn, cng nh cc trng hp c th khc v li sut cho vay c thc hin theo hng dn ca Tng Gim c. iu 57. Ph cho vay 1. Ph cho vay l khon ph ngoi li sut cho vay, do Khch hng chi tr, bao gm:

62 63

64

Khon 2, iu 11 (Li sut cho vay), Quy ch. 1627/2001/Q-NHNN. iu 476 (Li sut), B lut Dn s nm 2005; khon 2, iu 11 (Li sut cho vay), Quy ch. 1627/2001/Q-NHNN. Khon 2, iu 11 (Li sut cho vay), Quy ch. 1627/2001/Q-NHNN.

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a) Ph t vn cc D n u t: L s tin tr cho vic t vn lp v thc hin cc D n, phng n vay vn; b) Ph cam kt cho vay c iu kin: L s tin tr cho vic n v kinh doanh cam kt cho Khch hng vay nu p ng c cc iu kin theo quy nh ca BAOVIET BANK; c) Ph cp Hn mc tn dng: L s tin tr cho vic xem xt cp Hn mc tn dng cho Khch hng; d) Ph cam kt s dng hn mc: L s tin tr cho vic bo m cho Khch hng mt Hn mc tn dng trong mt thi hn nht nh; e) Ph thm nh cho vay: L s tin tr cho vic thm nh khon vay, nht l khon vay ngoi a bn hoc nhng khon vay phc tp; f) Ph nh gi ti sn bo m: L s tin tr cho vic thm nh v nh gi ti sn bo m tin vay l bt ng sn v nhng ti sn kh nh gi khc; g) Ph ph duyt khon vay: L s tin tr cho vic xt duyt, ph duyt khon vay; h) Ph gii ngn bng tin mt: L s tin tr cho vic kim m gii ngn cho khon vay bng tin mt; i) Ph gia hn n: L s tin tr cho vic thm nh, ph duyt vic ngh gia hn n; j) Ph iu chnh K hn tr n: L s tin tr cho vic thm nh, ph duyt vic ngh iu chnh K hn tr n; k) Ph tr n trc hn: L s tin tr cho vic tr n trc hn theo tho thun trong Hp ng tn dng; l) Ph chm tr n li: L s tin tr cho vic chm tr n li theo tho thun trong Hp ng tn dng; m) Ph dch v tn dng khc nh: Ph cng chng Hp ng bo m; Ph ng k giao dch bo m; Ph mn h s ti sn bo m; Ph thay i ti sn bo m v cc loi ph dch v tn dng khc. 2. Cc khon ph quy nh ti iu ny l ph tr trc tip cho BAOVIET BANK. Trng hp ph tr cho ngi th ba, th Khch hng tr trc tip cho ngi th ba hoc tr thng qua BAOVIET BANK. 3. Vic thu ph v mc ph dch v tn dng c tho thun vi Khch hng trong Hp ng tn dng v ph hp vi Biu ph dch v tn dng do Tng Gim c ban hnh. iu 58. Thi hn cho vay 65 1. n v kinh doanh v Khch hng cn c vo vng quay ca vn lu ng, thi hn thu hi vn ca D n u t, kh nng tr n ca Khch hng v ngun vn cho vay ca BAOVIET BANK tho thun v thi hn cho vay. 2. Thi hn cho vay khng vt qu nhng thi hn sau:

65

Da theo iu 10 (Thi hn cho vay), Quy ch 1627/2001/Q-NHNN.

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a) i vi php nhn Vit Nam: Khng qu thi hn hot ng cn li theo Quyt nh thnh lp, Giy chng nhn ng k kinh doanh; b) i vi php nhn nc ngoi: Khng vt qu thi hn cn li theo Giy php hot ng ti Vit Nam; c) i vi c nhn nc ngoi: Khng vt qu thi hn cn li c php sinh sng, hot ng ti Vit Nam. iu 59. Tr n gc v li 1. Cn c vo c im sn xut, kinh doanh, dch v; kh nng ti chnh, thu nhp v ngun tr n ca Khch hng, n v kinh doanh v Khch hng tho thun trong Hp ng tn dng v phng n tr n gc v li tin vay nh sau: 66 a) Tr n gc thnh nhiu k hn trong thi hn cho vay hoc n khi kt thc thi hn cho vay; b) Tr n li hng thng, qu, 6 thng hoc theo nh k khc; tr theo k hn ring hoc cng vi cc K hn tr n gc; 2. n v kinh doanh c tho thun vi Khch hng cc iu kin tr, s li vn vay v mc ph tr trc hn khi Khch hng tr n trc hn. 67 3. n v kinh doanh c tha thun vi Khch hng trng hp tr li chm, th phi chu thm ph chm tr tnh trn s tin phi tr v s ngy chm tr. n v kinh doanh c xt cho min ph chm tr li trong trng hp Khch hng tr li chm khng qu 7 ngy. 4. Nhng trng hp hoc sn phm cho vay c bit c thu li ngay ti thi im gii ngn theo tho thun vi Khch hng c thc hin theo hng dn ca Tng Gim c. 5. Khch hng tr n vay bng ngoi t theo quy nh ti khon 4, iu 33 ca Quy nh ny, tr nhng trng hp quy nh ti iu 69 ca Quy nh ny. 68 iu 60. n hn gc, li 1. n hn gc, li l vic Khch hng cha phi tr n gc, li trong mt khong thi gian nht nh. Thi gian n hn c tnh t khi Khch hng bt u nhn tin vay n khi bt u tr n khon tin gc, li u tin. 2. n v kinh doanh ch tho thun vi Khch hng vic n hn trong trng hp Khch hng khng c ngun tr n ngoi ngun thu t D n, phng n vay vn. 3. Thi gian n hn ph thuc vo thi gian cn thit pht sinh ngun thu t D n, phng n vay vn hoc cc hot ng khc ca Khch hng. Trng hp thi gian n hn ln hn 12 thng do Tng Gim c quyt nh.

66 67 68

Da theo khon 1, iu 13 (Tr n gc v li vn vay), Quy ch. 1627/2001/Q-NHNN. Da theo khon 3, iu 13 (Tr n gc v li vn vay), Quy ch. 1627/2001/Q-NHNN. Khon 4, iu 13 (Tr n gc v li vn vay), Quy ch. 1627/2001/Q-NHNN.

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iu 61. Hnh thc bo m, gi tr ti sn bo m tin vay 1. n v kinh doanh thc hin vic cho vay c bo m tin vay hoc khng c bo m tin vay theo quy nh ca Php lut v ca BAOVIET BANK. 2. Hnh thc bo m, gi tr ti sn bo m tin vay, iu kin, th tc nhn bo m tin vay c thc hin theo quy nh ca B lut Dn s nm 2005, cc php lnh, ngh nh, thng t quy nh v giao dch bo m v quy nh, hng dn ca Tng Gim c. 3. Cc n v kinh doanh khng nhn hnh thc bo m tin vay bng tn chp ca t chc chnh tr - x hi theo quy nh ti iu 372 ca B lut Dn s nm 2005 cho c nhn, h gia nh ngho vay vn. iu 62. Quyn v ngha v ca Khch hng 69 1. Khch hng vay vn c quyn: a) T chi cc yu cu ca BAOVIET BANK khng ng vi cc tho thun trong Hp ng tn dng; b) Khiu ni, khi kin vic vi phm Hp ng tn dng ca BAOVIET BANK theo quy nh ca Php lut. 2. Khch hng vay c ngha v: a) Cung cp y , trung thc cc thng tin, ti liu lin quan n vic vay vn ng thi chu trch nhim v tnh chnh xc v hp php ca cc thng tin, ti liu cung cp cho BAOVIET BANK; b) S dng tin vay ng mc ch, thc hin ng cc ni dung tho thun trong Hp ng tn dng v cc cam kt khc vi BAOVIET BANK; c) Tr n gc v li vn vay theo tho thun trong Hp ng tn dng; d) Chu trch nhim trc Php lut khi khng thc hin ng nhng tho thun v vic tr n v thc hin cc ngha v bo m n vay cam kt trong Hp ng tn dng. iu 63. Quyn v ngha v ca n v kinh doanh 70 1. n v kinh doanh c quyn: a) Yu cu Khch hng cung cp ti liu chng minh D n, phng n vay vn kh thi, kh nng ti chnh ca mnh v ngi bo lnh trc khi quyt nh cho vay; b) T chi yu cu vay vn ca Khch hng nu thy khng iu kin vay vn; D n, phng n vay vn khng c hiu qu, khng ph hp vi quy nh ca Php lut hoc BAOVIET BANK khng c ngun vn cho vay; c) Kim tra, gim st qu trnh vay vn, s dng vn vay v tr n ca Khch hng;
69

70

iu 56 (Quyn v ngha v ca khch hng vay), Lut Cc TCTD; iu 24 (Quyn v ngha v ca khch hng), Quy ch. 1627/2001/Q-NHNN. iu 25 (Quyn v ngha v ca T chc tn dng), Quy ch. 1627/2001/Q-NHNN.

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d) Chm dt vic cho vay, thu hi n trc hn, chuyn n qu hn khi pht hin Khch hng cung cp thng tin sai s tht, vi phm Hp ng tn dng; 71 e) Khi kin Khch hng vi phm Hp ng tn dng hoc ngi bo lnh theo quy nh ca Php lut; 72 f) Khi n hn tr n m Khch hng khng tr n, nu cc bn khng c tho thun khc th BAOVIET BANK c quyn bn ti sn bo m tin vay theo s tho thun trong Hp ng tn dng v Hp ng bo m tin vay thu n theo quy nh ca Php lut hoc yu cu ngi bo lnh thc hin ngha v bo lnh i vi trng hp Khch hng c bo lnh vay vn; 73 g) Min, gim li tin vay theo quy nh ca BAOVIET BANK; gia hn n, iu chnh k hn n theo Quy nh ny; mua bn n, o n, khoanh n, xo n v c cu li n theo quy nh ca Chnh ph v hng dn ca NHNN Vit Nam. 74 2. n v kinh doanh c ngha v: a) Thc hin ng tho thun trong Hp ng tn dng; b) Lu gi H s tn dng ph hp vi quy nh ca Php lut. iu 64. Ngi i din hp php k kt cc Hp ng tn dng v Kh c nhn n 75 1. Ngi i din hp php ca Khch hng k kt cc Hp ng tn dng v Kh c nhn n l ngi i din theo Php lut hoc ngi i din theo u quyn (theo y quyn ca ngi i din theo Php lut). 2. Ngi i din theo Php lut ca Khch hng l nhng ngi di y: a) i vi Cng ty: L Ch tch HQT hoc Ch tch Hi ng Thnh vin hoc Ch tch Cng ty hoc Tng Gim c hay Gim c, theo quy nh ti iu l Cng ty v c ghi trong Giy chng nhn ng k kinh doanh (Giy php u t). Ring i vi Cng ty hp danh: Tt c cc Thnh vin hp danh; b) i vi Hp tc x: Trng Ban Qun tr hoc Ch nhim theo quy nh ca iu l Hp tc x, ng thi c ghi trong Giy chng nhn ng k kinh doanh; c) i vi cc Php nhn khc: L Ch tch, Gim c, Th trng c quan, n v (c quy nh trong Quyt nh thnh lp, trong iu l, Quy ch t chc ca Php nhn); d) i vi doanh nghip t nhn: L Ch doanh nghip, c ghi trong Giy chng nhn ng k kinh doanh;

71 72 73 74 75

Khon 1, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD. im c, khon 2, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD. im a v b, khon 2, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD. Khon 4, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD. Theo cc quy nh hin hnh ca Lut Doanh nghip Nh nc nm 2003; Lut HTX nm 2003; B lut Dn s nm 2005; Lut Doanh nghip nm 2005 v cc vn bn lin quan khc.

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e) i vi H kinh doanh: L ngi ng tn Giy chng nhn ng k kinh doanh. f) i vi T hp tc: L T trng. g) i vi H gia nh: L Ch h (c ghi trong S h khu). 3. Nhng ngi i din theo Php lut ca cc Khch hng l doanh nghip, php nhn c th u quyn cho Ph Ch tch, Ph Tng Gim c, Gim c, Ph Gim c hoc nhng ngi khc i din hp php ca doanh nghip, php nhn k Hp ng tn dng. 4. Ngi i din ca chi nhnh, n v ph thuc doanh nghip, php nhn (c ghi trn Giy chng nhn ng k hot ng) khng phi l ngi i din theo Php lut ca doanh nghip, Php nhn v khng c y quyn cho ngi khc i din hp php cho doanh nghip, php nhn k Hp ng tn dng (tr trng hp c ngi i din theo Php lut ng bng vn bn). 5. Ngi i din hp php phi k v ng du ca n v (nu n v c con du) vo tt c cc bn Hp ng tn dng v Kh c nhn n (k c vn bn sa i, b sung). 6. Cc trng hp cn c ch k ca K ton trng doanh nghip, php nhn v ch k ca ngi ng trch nhim (ngi hn phi, ngi c trch nhim lin quan khc) trong Hp ng tn dng c thc hin theo hng dn ca Tng Gim c. iu 65. Cc trng hp Hp ng tn dng phi c cc cp c thm quyn ca Khch hng thng qua 1. i vi Khch hng vay vn l Cng ty Nh nc: a) HQT quyt nh hoc phn cp cho Tng gim c quyt nh cc hp ng vay vt qu mc vn iu l ca cng ty. 76 Trng hp HQT phn cp cho Tng gim c hoc Gim c quyt nh, th mc phn cp c th phi ghi trong iu l ca cng ty nh nc, trong : 77 i vi trng hp cng ty vay vn ca BAOVIET BANK c p dng Hp ng hn mc, th vic phn cp xc nh theo Hp ng hn mc, cc hp ng c th trong phm vi hn mc do Tng gim c, Gim c cng ty quyt nh; i vi cc trng hp khc, vic phn cp p dng cho tng hp ng c th.

76

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im b, khon 2, iu 30 (Nhim v, quyn hn ca HQT), Lut Doanh nghip Nh nc nm 2003; im a, khon 3, iu 9 (Quyt nh vic u t, gp vn u t, lin doanh, lin kt theo phn cp; ph duyt ch trng vay, cho vay, thu, cho thu), Ngh nh s 132/2005/N-CP ngy 20-10-2005 ca Chnh ph v vic thc hin cc quyn v ngha v ca ch s hu nh nc i vi cng ty Nh nc; c sa i, b sung theo Ngh nh s 86/2006/N-CP ngy 21-8-2006. Khon 1, iu 9, Quy ch Qun l ti chnh ca Cng ty Nh nc v qun l vn Nh nc u t vo doanh nghip khc, ban hnh km theo Ngh nh s 199/2004/N-CP ngy 03-12-2004 ca Chnh ph; im 3.1, Mc A, Chng II, Thng t s 33/2005/TT-BTC ngy 29-4-2005 ca B trng B Ti chnh Hng dn mt s iu ti Quy ch Qun l ti chnh ca cng ty Nh nc v qun l vn Nh nc u t vo doanh nghip khc.

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b) i din ch s hu cng ty nh nc (B qun l ngnh, c quan ngang B, c quan thuc Chnh ph; y ban nhn dn tnh, thnh ph trc thuc Trung ng) quyt nh vic vay vn hoc ti sn c gi tr ln hn vn iu l ca cng ty nh nc khng c HQT. 78 2. i vi Khch hng vay vn l cc Cng ty khc: a) Hi ng thnh vin (i vi Cng ty TNHH c 2 thnh vin tr ln), thng qua Hp ng tn dng c gi tr bng hoc ln hn 50% tng gi tr ti sn c ghi trong s k ton (c ghi trong bo co ti chnh gn nht) ca cng ty hoc t l khc nh hn quy nh ti iu l cng ty; 79 b) Ch s hu Cng ty (i vi Cng ty TNHH c mt thnh vin l t chc) thng qua Hp ng tn dng c gi tr bng hoc ln hn 50% tng gi tr ti sn c ghi trong bo co ti chnh gn nht ca cng ty hoc mt t l khc nh hn quy nh ti iu l cng ty; 80 c) Hi ng thnh vin (i vi Cng ty hp danh), thng qua Hp ng tn dng c gi tr bng hoc ln hn 50% vn iu l ca cng ty, tr trng hp iu l cng ty quy nh mt t l khc cao hn; 81 d) HQT (i vi Cng ty c phn v Cng ty TNHH mt thnh vin theo m hnh Ch tch Cng ty) thng qua Hp ng tn dng c gi tr bng hoc ln hn 50% tng gi tr ti sn c ghi trong s k ton (c ghi trong bo co ti chnh gn nht) ca cng ty hoc t l khc nh hn c quy nh ti iu l cng ty. 82 3. i vi Khch hng vay vn l hp tc x, doanh nghip c vn u t nc ngoi v cc doanh nghip, php nhn khc: Vic thng qua Hp ng tn dng c thc hin theo quy nh c lin quan ca Php lut v iu l ca doanh nghip hoc php nhn. iu 66. Cam kt ti tr tn dng 1. Cam kt ti tr tn dng gm cam kt cho vay, cam kt bo lnh v cam kt cp tn dng khc, l vn bn ca BAOVIET BANK pht hnh cho Khch hng, trong cam kt s cho vay, bo lnh hoc cp tn dng khc nu c iu kin cp tn dng.

78

79 80 81 82

im b, khon 2, iu 30 (Nhim v, quyn hn ca HQT); khon 6, iu 66 (Quyn v ngha v ca ch s hu i vi cng ty nh nc do B qun l ngnh, U ban nhn dn cp tnh thc hin), Lut Doanh nghip Nh nc nm 2003; khon 2, iu 9 (Huy ng vn), Quy ch Qun l ti chnh ca Cng ty Nh nc, ban hnh km theo Ngh nh s 199/2004/N-CP ngy 03-12-2004 ca Chnh ph; im d, khon 2, iu 9 (Quyt nh vic u t, gp vn u t, lin doanh, lin kt theo phn cp; ph duyt ch trng vay, cho vay, thu, cho thu), Ngh nh s 132/2005/N-CP ngy 20-10-2005; c sa i, b sung theo Ngh nh s 86/2006/N-CP ngy 21-8-2006. im d, khon 2, iu 47 (Hi ng thnh vin), Lut Doanh nghip nm 2005. im e, khon 1, iu 64 (Quyn ca ch s hu cng ty), Lut Doanh nghip nm 2005. m e, khon 3, iu 135 (Hi ng thnh vin), Lut Doanh nghip nm 2005. im g, khon 2, iu 108 (HQT), Lut Doanh nghip nm 2005.

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2. n v kinh doanh c pht hnh cam kt ti tr tn dng sau khi thm nh s b h s ngh cp tn dng v thu ph pht hnh cam kt theo quy nh ca BAOVIET BANK. 3. Cam kt ti tr tn dng khng phi l th bo lnh, khng phi l hp ng tn dng, khng phi l ngh giao kt hp ng tn dng. 4. Cc ni dung c th v cam kt ti tr tn dng v cc mu cam kt ti tr tn dng khc c thc hin theo hng dn ca Tng Gim c. Mu Cam kt cho vay, bo lnh phi c ni dung sau: a) BAOVIET BANK ng thm nh h s ngh cp tn dng v s xem xt cho vay, bo lnh nu Khch hng iu kin vay vn; b) Vn bn cam kt khng phi l mt th bo lnh hoc cam kt gii ngn. Chng VI QUN L KHON VAY iu 67. Theo di, kim tra, gim st vn vay 83 1. n v kinh doanh c trch nhim v c quyn thng xuyn theo di, kim tra, gim st qu trnh vay vn, s dng vn vay v tr n ca Khch hng, 84 nhm sm cnh bo v x l cc tnh hung ri ro, n c Khch hng thc hin ng v y nhng cam kt tho thun trong Hp ng tn dng, ph hp vi c im kinh doanh v s dng vn ca tng Khch hng, vi quy m v mc ri ro lin quan n khon vay. 2. Trong thi hn 15 ngy, i vi cc khon cho vay ngn hn, 30 ngy, i vi cc khon cho vay trung, di hn, k t mi ln gii ngn, Cn b tn dng phi tin hnh kim tra mc ch s dng vn vay, tr cc trng hp sau: a) Khon cho vay c ti sn cm c l th tit kim, giy t c gi; b) Khon cho vay phc v nhu cu i sng tiu dng c gi tr di 100 triu ng; c) Khon gii ngn c gi tr di 500 triu ng c gii ngn tip trong mt D n, phng n vay vn sn xut, kinh doanh, dch v; d) Khon cho vay theo hn mc; e) Cc trng hp khc theo quy nh ca Php lut v ca BAOVIET BANK. 3. Cn b tn dng phi tin hnh kim tra theo nh k khon vay nh sau: a) Kim tra nh k 3 thng mt ln hoc nh k khc, theo quyt nh ca Gim c n v kinh doanh, i vi cho vay theo hn mc v cho vay trung, di hn;

83 84

Da theo iu 21 (Kim tra, gim st vn vay), Quy ch 1627/2001/Q-NHNN. Khon 3, iu 53 (Xt duyt cho vay, kim tra vic s dng tin vay), Lut Cc TCTD.

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b) Kim tra nh k theo quy nh ca BAOVIET BANK i vi tng phng thc, sn phm cho vay khc theo hng dn ca Tng Gim c hoc theo quyt nh ca Gim c n v kinh doanh (trong trng hp khng c hng dn ca Tng Gim c). 4. Ngoi vic kim tra nh k, Cn b tn dng tin hnh cc ln kim tra t xut, nu pht hin khon vay hoc Khch hng c du hiu bt thng, c th b xu i hoc theo yu cu ca cp qun l. 5. Mi ln kim tra, Cn b tn dng phi lp thnh vn bn, trong c cc ni dung di y: a) Ngy, gi, a im v h tn nhng ngi tham gia kim tra; b) Mc ch s dng vn vay; c) Vic thc hin D n, phng n vay vn; d) Tnh hnh sn xut kinh doanh, tnh trng ti sn bo m (nu c); e) Tnh hnh ti chnh v kh nng tr n trong k hn sp ti theo Hp ng tn dng; f) S thay i v t chc v hot ng ca Khch hng (nu c); g) Kin ngh ca Khch hng (nu c); h) kin xut c th ca Cn b tn dng (nu cn). 6. Vn bn ghi nhn kt qu kim tra phi trnh Trng phng (v Gim c nu c yu cu) k xc nhn v vic kim tra v c lu trong H s tn dng. 7. nh k 6 thng mt ln hoc nh k khc theo hng dn ca Tng Gim c, Cn b tn dng phi lp Bo co tn dng nh k nhn xt, nh gi tnh hnh sn xut, kinh doanh, ti chnh v kh nng tr n i vi cc Khch hng c d n t 1 t ng tr ln. iu 68. Cc ni dung theo di, kim tra, gim st vn vay 1. Tin gii ngn cho D n, phng n vay vn. 2. Tnh hnh s dng vn vay theo mc ch vay vn. 3. Kt qu, hiu qu thc hin D n, phng n vay vn. 4. Hin trng v ti sn bo m tin vay. 5. Tnh hnh ti chnh ca Khch hng (tng ti sn C, khon phi thu, phi tr, tn kho, kt qu kinh doanh, h s n,). 6. Tnh hnh tr n gc v li. 7. Kh nng cnh tranh, thng tin v th trng m Khch hng ang hot ng. 8. Cc vn bt thng v cc ni dung cn thit khc.

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iu 69. Chuyn i loi tin cho vay 1. n v kinh doanh c xem xt tha thun vi Khch hng chuyn i d n gc, li tin vay t ngoi t sang ng Vit Nam hoc t loi tin ny sang loi tin khc, trong s cc loi tin m BAOVIET BANK cho vay. 2. iu kin chuyn i loi tin vay: a) Khch hng ngh chuyn i loi tin do khng cn ngun thu bng loi tin vay, ng thi c ngun thu bng loi tin ngh c chuyn i; b) n v kinh doanh phi thm nh v xc nhn Khch hng c kh nng tr n ng hn khi chuyn i d n sang loi tin khc; c) Vic chuyn i loi tin vay c thc hin trn c s bo m li ch ca BAOVIET BANK v ph hp vi quy nh ca Php lut v qun l ngoi hi. 85 3. Vic chuyn i loi tin cho vay do Tng Gim c xem xt ph duyt trn c s t trnh v h s khon vay ca n v kinh doanh. iu 70. Thu hi n n hn 1. n v kinh doanh phi thng k n n hn theo nh k (tun, thng, qu) i vi tng khon vay v tng Khch hng. Cn b tn dng phi theo di, n c Khch hng tr n trc khi n thi hn tr n. 2. n v kinh doanh thu n trc tip do Khch hng chuyn n tr n hoc thu n thng qua vic t trch tin t cc ti khon ca Khch hng khi n n hn. Cn b tn dng v cc cn b, nhn vin khc ca BAOVIET BANK khng c thu h tin tr n ca Khch hng. 3. n v kinh doanh thu n theo th t sau y, tr trng hp c tho thun khc: a) Thu cc loi ph lin quan n khon vay, n li qu hn, n gc qu hn, n li trong hn, n gc, trong trng hp khon n c kh nng thu hi c ton b; b) Thu theo th t khc theo tho thun trong Hp ng tn dng, hp ng bo m tin vay hoc theo quyt nh ca Gim c n v kinh doanh, trong trng hp khon n khng c kh nng thu hi hoc ch thu hi c mt phn. 4. n v kinh doanh xem xt quyt nh chp nhn hay khng chp nhn vic n v, c nhn khc thc hin ngha v tr n vay thay cho Khch hng, vi cc iu kin sau: 86 a) Lp vn bn tho thun gia cc bn lin quan; b) Bo m kh nng thu hi n, trong c c gi tr v kh nng x l ti sn bo m tin vay;

85 86

Khon 4, iu 13 (Tr n gc v li vn vay), Quy ch. 1627/2001/Q-NHNN. iu 293 (Thc hin ngha v dn s thng qua ngi th ba), B lut Dn s nm 2005.

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c) Khch hng vay vn vn phi chu trch nhim tr n cho BAOVIET BANK, nu ngi th ba khng thc hin hoc thc hin khng ng ngha v tr n. iu 71. iu kin C cu li thi hn tr n 1. Vic C cu li thi hn tr n c thc hin trong cc trng hp sau: 87 a) Khch hng khng c kh nng tr n ng k hn n gc, li trong phm vi K hn tr n tho thun trong Hp ng tn dng nhng BAOVIET BANK nh gi l c kh nng tr n trong cc k hn tip theo, th xem xt iu chnh K hn tr n gc, li; b) Khch hng khng c kh nng tr ht n gc, li ng thi hn tr n tho thun trong Hp ng tn dng v c BAOVIET BANK nh gi l c kh nng tr n tip theo trong mt thi hn nht nh, th xem xt cho gia hn n trong thi hn ph hp vi ngun tr n ca Khch hng. 2. Vic cho gia hn n c xem xt nh i vi mt khon vay mi v cc yu t: Tnh hnh sn xut, kinh doanh, ti sn bo m tin vay, tnh hnh ti chnh v kh nng tr n ca khch hng. 3. Thm quyn c cu li thi hn tr n c thc hin theo quy nh v thm quyn ph duyt tn dng ca BAOVIET BANK. iu 72. Thi hn c C cu li thi hn tr n 1. Thi hn iu chnh K hn tr n gc, li i vi vi mi ln iu chnh khng c vt qu 2 ln K hn tr n gc, li ban u, ng thi khng c vt qu K hn tr n cui cng. 2. Thi hn gia hn n gc ln th nht, khng c vt qu 1/2 thi hn cho vay ban u, ng thi khng c vt qu 12 thng. 3. Thi hn gia hn n gc ln th 2, khng c vt qu 1/2 thi hn cho vay ban u, ng thi khng c vt qu 6 thng. 4. Thi hn gia hn n li khng c vt qu thi hn gia hn n gc. iu 73. Li sut C cu li thi hn tr n 1. n v kinh doanh quyt nh p dng mc li sut cho vay hin hnh i vi khon n c C cu li thi hn tr n theo nguyn tc sau: a) Khng thp hn li sut ang c p dng i vi khon n ti thi im xem xt C cu li thi hn tr n; b) p dng li sut thay i i vi cc khon vay trung v di hn; c) p dng li sut thay i hoc li sut c nh i vi cc khon vay ngn hn, ph hp vi Chnh sch li sut ca BAOVIET BANK. 2. n v kinh doanh c tho thun vi Khch hng p dng mc li sut khng qu 150% li sut n trong hn v khng qu li sut c bn i vi phn d n

87

Khon 1, iu 22 (C cu li thi hn tr n), Quy ch 1627/2001/Q-NHNN.

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gc c C cu li thi hn tr n hoc i vi ton b d n ca Khch hng ti BAOVIET BANK. iu 74. Th tc C cu li thi hn tr n 1. Chm nht l 7 ngy trc khi n hn tr n, trn c s nm bt thng xuyn tnh hnh hot ng kinh doanh, thu nhp v kh nng tr n ca Khch hng, nu Cn b tn dng xc nh Khch hng khng c kh nng tr n ng hn tho thun trong Hp ng tn dng (Kh c nhn n) nhng c th bo m iu kin C cu li thi hn tr n, th ngh Khch hng gi cho BAOVIET BANK Giy ngh C cu li thi hn tr n. 2. Cn b tn dng tin hnh vic thm nh v lp xong T trnh ngh C cu li thi hn tr n chm nht l 3 ngy, trc ngy n n hn. Trng Phng, Gim c xem xt, ph duyt (nu thuc thm quyn) hoc ngh cp trn xem xt, ph duyt vic C cu li thi hn tr n trc khi n n hn. 3. Trng hp Khch hng khng c Giy ngh C cu li thi hn tr n hoc khng iu kin c C cu li thi hn tr n, th n v kinh doanh chuyn khon n sang n qu hn (t nhm 2 n nhm 5 theo quy nh v phn loi n) vo ngy lm vic ngay sau ngy n gc hoc li n hn v thng bo cho Khch hng, ng thi thc hin ngay cc bin php thu hi n. 4. n v kinh doanh c php tm thi cha chuyn sang n qu hn i vi khon n c iu kin c C cu li thi hn tr n v trnh cp trn ph duyt theo ng thi hn quy nh ti khon 2 ca iu ny. Thi hn tm thi cha chuyn sang n qu hn c thc hin theo hng dn ca Tng Gim c. iu 75. Ni dung T trnh ngh C cu li thi hn tr n 1. nh gi tnh hnh sn xut, kinh doanh v kh nng tr n ca Khch hng, trong c cc ni dung di y: a) Tnh hnh sn xut, kinh doanh ca Khch hng, trong c D n, phng n vay vn; b) Tnh hnh cng n, kh nng ti chnh, ngun tr n ca Khch hng v kh nng qun l n ca BAOVIET BANK; c) Bin php bo m v ti sn bo m tin vay; d) Cc thng tin ti chnh v phi ti chnh cn thit khc. 2. Xc nh nguyn nhn khch quan v ch quan khng tr c n ng hn ca Khch hng. 3. xut vic cho Khch hng C cu li thi hn tr n: a) Nu ng cho C cu li thi hn tr n, th xc nh s tin, k hn c iu chnh, gia hn v cc xut cn thit khc c lin quan; b) Nu khng ng cho C cu li thi hn tr n, th phi nu r l do.

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iu 76. Phn loi n v trch lp D phng x l ri ro Vic phn loi n v trch lp D phng x l ri ro c thc hin theo quy nh c th ca BAOVIET BANK. iu 77. X l trng hp Khch hng c s thay i v t chc v hot ng 1. n v kinh doanh yu cu Khch hng: a) Cung cp thng tin khi thay i tn gi, a ch, ngnh, ngh kinh doanh, vn iu l, thnh vin gp t 5% vn tr ln v ngi i din theo Php lut ca doanh nghip; b) Gi cho BAOVIET BANK Giy chng nhn ng k kinh doanh c cp li (doanh nghip phi ng k vi c quan ng k kinh doanh trong thi hn 10 ngy lm vic, k t ngy quyt nh thay i), 88 trong thi hn 7 ngy, k t khi thay i ng k kinh doanh. 2. Trng hp Khch hng l doanh nghip giao khon, bn, cho thu, th BAOVIET BANK thc hin mt trong 2 phng n sau: a) Yu cu doanh nghip tr ht n trc khi giao khon, bn, cho thu; b) Yu cu ngi nhn giao khon, mua, thu doanh nghip xc nhn vic tr n, nu n v kinh doanh nh gi doanh nghip vn bo m kh nng tr n sau khi giao khon, bn, cho thu. 3. Trng hp Khch hng l php nhn c t chc li (chia, tch, hp nht, sp nhp hoc chuyn i doanh nghip), th n v kinh doanh thc hin mt trong 2 phng n sau: a) Yu cu php nhn c tr ht n trc khi t chc li; b) Yu cu php nhn c v php nhn mi xc nhn vic tr n, nu n v kinh doanh nh gi php nhn vn bo m kh nng tr n sau khi t chc li. 4. Trng hp Khch hng l doanh nghip b thu hi Giy chng nhn ng k kinh doanh, ang tin hnh vic gii th, th BAOVIET BANK thc hin: a) Gi vn bn cho C quan ng k kinh doanh v cc c quan hu quan yu cu gii quyt khon n ca BAOVIET BANK trc khi gii th; b) Yu cu Khch hng gi cho BAOVIET BANK Quyt nh gii th doanh nghip trong thi hn 7 ngy, k t ngy thng qua quyt nh gii th, km theo Thng bo v phng n gii quyt n. Thng bo phi c tn, a ch ca n v kinh doanh; s n, thi hn, a im v phng thc thanh ton s n ; cch thc v thi hn gii quyt khiu ni ca BAOVIET BANK. 89 5. Trng hp Khch hng l doanh nghip b lm vo tnh trng ph sn, th n v kinh doanh theo di tham gia thu hi n theo quy nh ca Lut Ph sn doanh nghip. 90
88 89 90

Khon 1, iu 26 (Thay i ni dung ng k kinh doanh), Lut Doanh nghip nm 2005. Khon 3, iu 158 (Th tc gii th doanh nghip), Lut Doanh nghip nm 2005 Khon 3, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD.

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iu 78. o n, khoanh n, xo n, c cu li n v mua bn n 1. Vic o n c thc hin theo quy nh ca Chnh ph v hng dn ca Ngn hng Nh nc Vit Nam. 91 2. Vic khoanh n, xo n, c cu li khon n, c thc hin theo quy nh ca Php lut v ca BAOVIET BANK. 3. Vic c cu li thi hn tr n, c thc hin trong trng hp quy nh ti iu 71 ca Quy nh ny. 4. Vic mua, bn n c thc hin theo Quy ch Mua, bn n ca cc T chc tn dng. 92 iu 79. X l n xu v khon vay c vn bt thng 1. Cc khon tn dng khi pht sinh n xu hoc cc vn bt thng, phi c qun l cht ch v bo co thng xuyn ln cp c thm quyn nhm: a) Hn ch ti a ri ro pht sinh; b) Sm nhn din c cc xu hng pht trin bt li v cht lng tn dng v cc yu cu d phng trong tng lai; c) To iu kin bo m cc h s v hp ng ph hp vi cc yu cu php l; sm thc hin cc bin php x l nh x l ti sn bo m tin vay nhm gip hn ch ti a thit hi; d) Gim kh nng Khch hng khng tr c n vay thng qua cc bin php x l nh m phn sa i lch tr n v cc iu khon khc hoc tng ti sn bo m tin vay. 2. Cn c vo mc vi phm, tnh hnh hot ng v kh nng tr n ca Khch hng, n v kinh doanh quyt nh x l theo mt trong cc trng hp sau: a) Tm ngng gii ngn v tm ngng vic cho vay mi; b) Chm dt cho vay, chuyn n qu hn v thu hi n; c) Pht mi ti sn bo m tin vay; khi kin ra To n hoc Trng ti Thng mi. 3. Vic pht mi ti sn bo m tin vay; khi kin ra To n hoc Trng ti Thng mi c thc hin trong cc trng hp: a) Khch hng vi phm Hp ng tn dng, Hp ng bo m tin vay v c BAOVIET BANK thng bo bng vn bn nhng khng khc phc; b) Khch hng c n qu hn do nguyn nhn ch quan ca Khch hng nhng khng c bin php kh thi tr n BAOVIET BANK; c) Khch hng c nng lc ti chnh tr n nhng c tnh trn trnh tr n BAOVIET BANK theo tho thun;
91

92

Khon 4, iu 54 (Chm dt cho vay, x l n, iu chnh li sut), Lut Cc TCTD; khon 2, iu 9 (Nhng nhu cu vn khng c cho vay), Quy ch 1627/2001/Q-NHNN. Quy ch Mua, bn n ca cc T chc tn dng, ban hnh km theo Quyt nh s 59/2006/Q-NHNN ngy 21-12-2006 ca Thng c NHNN Vit Nam.

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d) Khch hng c hnh vi la o, gian ln; e) Khch hng c cc vi phm khc theo quy nh ca Php lut. 4. S v hiu ca Hp ng tn dng khng lm chm dt hiu lc ca Hp ng bo m tin vay. 93 5. Nhn vin qun l Khch hng chu trch nhim chnh trong vic x l n xu v cc khon vay c vn . B phn tc nghip tn dng v B phn x l n vay c trch nhim theo di sau khi cho vay v h tr vic x l n xu v cc khon vay c vn . 6. Nhn vin qun l khon vay phi ngay lp tc yu cu h thp loi, im nh gi ca khon tn dng khi c yu t nh hng r rt ti cht lng tn dng ca Khch hng v gii thch r rng nguyn nhn. Khi khon tn dng b h thp loi, Nhn vin qun l khch hng phi xut phng n x l khc phc. Phng n x l khc phc phi tnh n s khc bit gia cc vn khc nhau, c th ca tng vn i vi tng Khch hng c th, khng p dng chung cho tt c cc Khch hng. 7. Cc khon tn dng c vn s phi c r sot v bo co thng xuyn hn v cp nht thng tin ti thiu 2 ln/nm. Ban iu hnh phi c thng tin v cc khon n xu v phi trc tip tham gia tham gia vo qu trnh x l cc khon n ln thuc thm quyn ph duyt ca Hi s chnh. iu 80. Ngng vic cho vay 1. Vic tm ngng gii ngn v tm ngng vic cho vay mi c thc hin trong cc trng hp sau: a) Khi pht hin Khch hng s dng vn vay sai mc ch; b) Khi pht hin Khch hng cung cp thng tin sai s tht; c) Khch hng c n xu ti BAOVIET BANK do nguyn nhn ch quan; d) Khch hng c nhng du hiu xu khc nh hng ln n kh nng hot ng v tr n vay. 2. Vic chm dt cho vay, chuyn n qu hn v thu hi n c thc hin trong cc trng hp sau: a) Khch hng vi phm Hp ng tn dng cam kt nhng khng khc phc, sa cha hoc khng c kh nng khc phc, sa cha; b) Khch hng ngng sn xut, kinh doanh c th dn n mt kh nng thanh ton; c) Qu trnh t chc li sn xut, kinh doanh khng xc nh c ngi chu trch nhim trc Php lut v quan h vay vn v tr n BAOVIET BANK.

93

iu 410 (Hp ng dn s v hiu), B lut Dn s nm 2005.

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iu 81. Khi kin i n theo Hp ng tn dng 1. Thi hiu khi kin yu cu To n gii quyt tranh chp Hp ng tn dng l 2 nm, k t ngy Khch hng vi phm ngha v tr n hoc vi phm ni dung khc trong Hp ng tn dng dn n quyn v li ch hp php ca BAOVIET BANK b xm phm. 94 2. Thi hiu khi kin c bt u li trong trng hp sau y: 95 a) Bn vay tha nhn mt phn hoc ton b khon n ti BAOVIET BANK; b) Bn vay tr n mt phn khon vay cho BAOVIET BANK; c) BAOVIET BANK v Khch hng c vn bn t thng lng, ho gii vi nhau.

3. Ni khi kin: a) Khi kin ra To n nhn dn huyn, qun, th x, thnh ph thuc tnh i vi cc tranh chp Hp ng tn dng gia BAOVIET BANK vi c nhn, h gia nh, t hp tc v t chc khng c ng k kinh doanh hoc c ng k kinh doanh nhng vay vn khng v mc ch kinh doanh (li nhun); 96 b) Khi kin ra Ta n nhn dn tnh, thnh ph trc thuc trung ng i vi cc tranh chp Hp ng tn dng gia BAOVIET BANK vi c nhn, t chc c ng k kinh doanh v vay vn v mc ch kinh doanh (li nhun); 97 c) Khi kin ra cc Trung tm trng ti thng mi, trong trng hp BAOVIET BANK v Khch hng c tha thun gii quyt tranh chp ti mt Trung tm trng ti thng mi c th trc hoc sau khi xy ra tranh chp Hp ng tn dng. 98 4. n khi kin do Tng Gim c k tn, ng du ca BAOVIET BANK hoc y quyn cho Gim c Chi nhnh k tn, ng du ca Chi nhnh. 5. Tng Gim c y quyn cho Gim c Chi nhnh hoc cn b, nhn vin khc tham gia t tng trong trng hp BAOVIET BANK khi kin hoc b kin. iu 82. Min, gim li i vi Khch hng 99 1. BAOVIET BANK xem xt min, gim li cho Khch hng vay vn theo nhng nguyn tc sau: a) Khch hng b tn tht v ti sn dn n kh khn v ti chnh; b) Mc min, gim li vn vay ph hp vi kh nng ti chnh ca BAOVIET BANK;
94 95 96

97

98 99

Da theo iu 427 (Thi hiu khi kin v hp ng dn s), B lut Dn s nm 2005. Da theo iu 162 (Bt u li thi hiu khi kin v n dn s), B lut Dn s nm 2005. Khon 3, iu 25 (Nhng tranh chp v dn s thuc thm quyn gii quyt ca To n), B lut T tng dn s nm 2004. im a, khon 1, iu 34 (Thm quyn ca To n nhn dn tnh, thnh ph trc thuc trung ng), B lut T tng dn s nm 2004. Khon 1, iu 3 (Nguyn tc gii quyt tranh chp bng trng ti), Php lnh Trng ti thng mi nm 2003. iu 23 (Min, gim li), Quy ch 1627/2001/Q-NHNN.

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c) Khng c min, gim li vay i vi Khch hng thuc cc i tng quy nh ti iu 19 ca Quy nh ny. 2. Vic min, gim li vay i vi Khch hng, c thc hin c th theo quy nh ca BAOVIET BANK. iu 83. Thng k, bo co tn dng 1. Cc cp qun l trong H thng BAOVIET BANK c trch nhim bo co thng k tn dng hng thng, qu, nm theo quy nh ca Php lut v ca BAOVIET BANK. 2. Gim c n v kinh doanh v Trng Phng qun l nghip v tn dng ti Hi s chnh c trch nhim t chc, ch o vic lp bo co chuyn tn dng; thc hin vic phn loi Khch hng theo hng dn ca BAOVIET BANK; nh gi tnh hnh kinh t - ti chnh ca Khch hng hoc nhm Khch hng c quan h tn dng; thc hin phn loi n theo ch quy nh ca BAOVIET BANK. 3. Phng Qun l Ri ro c trch nhim phn tch, bo co cho Ban iu hnh theo nh k hng thng v v tng khon ri ro ln v bo co nh k hng qu v cc vn thuc Danh mc tn dng, trong c: a) Xu hng pht trin v xut gii php qun l Danh mc tn dng; b) Phn tch Danh mc tn dng theo ngnh sn xut, thng mi v tiu dng; c) Phn tch v n xu v cc khon d phng t ti mc d phng thch hp; d) Phn thch cc ri ro ngoi bng, bao gm ri ro i vi kinh doanh ngoi t v cc sn phm ngun vn. iu 84. Bo co tn dng bt thng 1. Trong thi hn 7 ngy, k t thi im phi C cu li thi hn tr n, Cn b tn dng phi lp bo co, trong c nhng ni dung ch yu di y: a) Cc thng tin ch yu v khon vay; b) S tin v thi hn C cu li thi hn tr n; c) L do C cu li thi hn tr n; d) Cp ph duyt vic C cu li thi hn tr n; e) Kh nng thc hin cam kt mi ca Khch hng. 2. Trong thi hn 7 ngy, k t ngy khon n phi c chuyn sang n qu hn, Cn b tn dng phi lp bo co, trong c nhng ni dung ch yu di y: a) b) c) d) Cc thng tin ch yu v khon vay; Nguyn nhn n qu hn; Kh nng thu hi n, gm c t ti sn bo m tin vay; Nhng vic trin khai v xut cc bc x l tip theo.

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3. Trong thi hn 7 ngy, k t thi im pht sinh hoc pht hin c nhng s kin di y i vi Khch hng, Cn b tn dng phi lp bo co tn dng bt thng: a) Khch hng cung cp cc bo co ti chnh, cc giy t quy nh trong H s tn dng hay cc ngun thng tin khc thiu trung thc, nh hng ln n quyt nh cho vay hoc kh nng tr n; b) Khch hng s dng vn vay khng ng mc ch vay vn; c) Khch hng khng tr n gc ng hn hoc khng tr n li 2 k hn lin tip; d) Khch hng ngng hoc tm ngng kinh doanh, hot ng; e) Khch hng b c quan Nh nc bt buc phong to ton b Ti khon giao dch; f) Khch hng b thu hi Giy chng nhn ng k kinh doanh hoc Giy php thnh lp v hot ng hoc Giy php hot ng; g) Khch hng c quyt nh ph sn, gii th, t chc li (chia, tch, hp nht, sp nhp hoc chuyn i doanh nghip); h) Khch hng c quyt nh thay i ngi i din theo php lut (Ch tch, Gim c hoc Tng Gim c,), K ton trng; i) Ngi i din theo php lut, thnh vin HQT, Gim c hoc Tng Gim c, K ton trng ca Khch hng b khi t; j) Khch hng b tn tht ti sn vi s tin t 5% vn iu l tr ln; k) C bn n, quyt nh ca To n hoc ca c quan Nh nc xc nh ngha v tr n ca Khch hng vi s tin t 5% vn iu l tr ln; l) C thng bo ca To n th l n yu cu m th tc ph sn doanh nghip i vi Khch hng; m) Ti sn bo m tin vay b tu tn, tht thot, h hng, gim st gi tr, khng cn kh nng bo m cho khon n vay; n) C nhng s kin khc nh hng nghim trng n vic t chc, hot ng v kh nng tr n ca Khch hng. 4. Cc bo co tn dng bt thng do Cn b tn dng v Trng Phng Tn dng k, c lu trong H s tn dng v gi cho Gim c n v kinh doanh v Tng Gim c (thng qua cc Phng c chc nng gim st tn dng). iu 85. Bn giao H s tn dng 1. Khi bn giao H s tn dng (gia Cn b tn dng ny vi Cn b tn dng khc, gia n v ny vi n v khc), th phi c Bin bn bn giao, km theo danh mc h s v H s tn dng; trong c vn bn ghi nhn vic kim tra tnh hnh s dng vn vay v Bin bn nh gi ti sn bo m tin vay ti thi im bn giao. 2. Cn b Tn dng c trch nhim bn giao, nhn bn giao H s tn dng theo quy nh nghip v ca BAOVIET BANK v s ch o, phn cng ca Gim c n v kinh doanh.
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3. Ngi bn giao H s tn dng phi bn giao ton din, y H s tn dng, thng tin v Khch hng v nhng vn c lin quan n vic qun l, phc v Khch hng. Ngi nhn bn giao c trch nhim tm hiu v bo m tip tc qun l v phc v c Khch hng. 4. Vic bn giao H s tn dng phi c thc hin ng thi vi vic iu ng, b nhim, min nhim, bi nhim v chm dt Hp ng lao ng. iu 86. Lu gi H s tn dng 1. n v kinh doanh phi t chc vic lu gi H s tn dng mt cch khoa hc, an ton. Cn b tn dng hoc ngi c giao bo qun H s tn dng phi chu hon ton trch nhim nu mt, tht lc hoc h s b hy hoi, ty xo, sa cha ni dung. 2. H s tn dng c ng trong bao b hoc cp H s tn dng vi tng loi theo tnh cht phn loi H s ti khon 3, iu 8 ca Quy nh ny, ng thi sp xp theo th t ngy, thng, nm pht sinh. Cc tp H s tn dng l bn chnh c lu gi trong kho, kt, t, hm ti liu c kho an ton. 3. Cc H s bo m tin vay di y c lu gi ti kho tin hoc kho, kt st ring: a) Th tit kim, tri phiu, chng ch tin gi v giy t c gi khc; b) Giy chng nhn quyn s dng t, Giy chng nhn quyn s hu nh v quyn s dng t , Giy chng nhn quyn s hu nh , Giy chng nhn quyn s hu cng trnh xy dng; c) Giy chng nhn ng k t, tu bin hoc giy chng nhn ng k, giy chng nhn quyn s hu ti sn bo m tin vay khc; d) Giy chng nhn bo him ti sn bo m tin vay; e) Hp ng bo m tin vay v Giy chng nhn ng k giao dch bo m; f) Giy t quan trng khc theo quyt nh ca Gim c n v kinh doanh. 4. Bn chnh Hp ng tn dng, Hp ng bo m tin vay, Kh c nhn n; cc h s khc c lu ti Phng Khch hng C nhn hoc Phng Khch hng Doanh nghip v Phng Tc nghip Tn dng theo hng dn ca Tng Gim c. 5. H s tn dng sau khi tt ton, c a vo lu tr theo quy nh ca BAOVIET BANK. iu 87. Thi hn lu tr H s tn dng 1. H s tn dng, sau khi thu ht n, c lu tr trong thi hn nh sau: 100 a) 5 nm i vi H s tn dng ngn hn (cho vay, bo lnh khng qu 12 thng v khon tn dng khc);

100

Tham kho Quy nh v thi hn bo qun ti liu lu tr trong ngnh Ngn hng, ban hnh km theo Quyt nh s 252/Q-NH ngy 28-12-1993 ca Thng c NHNN.

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b) 10 nm i vi H s tn dng trung hn (cho vay trn 12 thng n 60 thng v bo lnh trn 12 thng n 36 thng); c) 15 nm i vi H s tn dng di hn (cho vay trn 60 thng, bo lnh trn 36 thng). 2. Ti liu k ton lin quan n nghip v cho vay ca BAOVIET BANK, sau khi thu ht n, c lu tr theo thi hn sau y: 101 a) 5 nm i vi ti liu k ton dng cho qun l, iu hnh ca n v kinh doanh, gm c chng t k ton khng s dng trc tip ghi s k ton v lp bo co ti chnh; b) 10 nm i vi chng t k ton s dng trc tip ghi s k ton v lp bo co ti chnh, s k ton v bo co ti chnh nm, tr trng hp Php lut c quy nh khc. 3. i vi nhng H s tn dng m BAOVIET BANK khng ng cp tn dng, lu gi li H s trong thi hn 2 nm, k t thi im thng bo cho Khch hng v vic t chi cho vay hoc t khi tip nhn h s, tham kho khi cn thit. Chng VII IU KHON THI HNH iu 88. iu khon thi hnh 1. Quy nh ny c hiu lc thi hnh t ngy 14-01-2009. 2. Vic sa i, b sung Quy nh ny do Tng Gim c quyt nh. Nhng vn cha c cp n trong Quy nh ny, th c thc hin theo cc quy nh c lin quan ca Php lut v ca BAOVIET BANK. Trng hp c s thay i cc vn bn quy phm Php lut c nu trong Quy nh ny, th thc hin theo quy nh mi. Gim c Php ch c trch nhim thng bo nhng quy nh mi hoc sa i, b sung ca Php lut thay th cho nhng ni dung lin quan trong Quy nh ny. 3. Gim c cc Khi; Gim c S Giao dch v cc Chi nhnh; Trng cc Phng, Ban ti Hi s chnh v cc n v, c nhn lin quan ca BAOVIET BANK c trch nhim thc hin Quy nh ny. TNG GIM C ( k)

Ni nhn: - CT HQT & TBKS ( b/c); - TG v cc PTG; - G cc Khi; - S GD v cc CN; - Cc Phng, Ban BVB; - Lu BPC & VT.

PHAN O V

101

iu 40 (Bo qun, lu tr ti liu k ton), Lut K ton nm 2003.

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Ph lc 01/2009/PL-QCCV DANH MC HNG HO CM XUT KHU, CM NHP KHU

(Ph lc 01, ban hnh km theo Ngh nh s 12/2006/N-CP ngy 23-01-2006 ca Chnh ph Quy nh chi tit thi hnh Lut Thng mi v hot ng mua bn hng ho quc t v cc hot ng i l mua, bn, gia cng v qu cnh hng ha vi nc ngoi)

______
Hng ha thuc danh mc ny p dng cho hot ng xut khu, nhp khu hng ho mu dch, phi mu dch, xut khu, nhp khu hng ho ti khu vc bin gii vi cc nc lng ging; hng ho vin tr Chnh ph, phi Chnh ph. I. HNG CM XUT KHU:

TT 1

M t hng ho

Trch nhim qun l

V kh, n dc, vt liu n (tr vt liu B Quc phng cng b danh mc v ghi n cng nghip), trang thit b k thut m s HS ng trong Biu thu xut nhp qun s. khu. B Vn ho Th thao v Du lch ng tin Di vt, c vt, bo vt quc gia thuc s hng dn thc hin, cng b danh mc v hu ton dn, s hu ca t chc chnh ghi m s HS ng trong Biu thu xut tr, t chc chnh tr x hi. nhp khu. B Vn ho, Th thao v Du lch hng dn Cc loi vn ho phm thuc din cm ph thc hin, cng b danh mc ghi m s HS bin v lu hnh ti Vit Nam. ng trong Biu thu xut nhp khu. B Nng nghip v PTNT hng dn thc G trn, g x t g rng t nhin trong hin, cng b danh mc v ghi m s HS nc. ng trong Biu thu xut nhp khu. ng vt, thc vt hoang qu him v ging vt nui, cy trng qu him thuc nhm IA-IB theo quy nh ti Ngh nh B Nng nghip v PTNT cng b danh s 48/2002/N-CP ngy 22 thng 4 nm mc v ghi m s HS ng trong Biu thu 2002 ca Chnh ph v ng vt, thc vt xut nhp khu. hoang d qu him trong "sch " m VN cam kt vi cc t chc quc t. B Thu sn cng b danh mc v ghi m Cc loi thy sn qu him. s HS ng trong Biu thu xut nhp khu. Cc loi my m chuyn dng v cc B Cng Thng v Ban C yu Chnh ph chng trnh phn mm mt m s dng hng dn thc hin. trong phm vi bo v b mt Nh nc. B Cng thng cng b danh mc v ghi Ho cht c bng I c quy nh trong m s HS dng trong biu thu xut nhp Cng c cm v kh ho hc. khu.
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3 4

6 7

Lu hnh ni b

Quy nh v Cho vay II. HNG CM NHP KHU:

TG

TT 1

M t hng ho

M t hng ho

V kh; n dc; vt liu n, tr vt B Quc phng cng b danh mc v ghi liu n cng nghip; trang thit b k m s HS ng trong Biu thu xut nhp thut qun s. khu. Pho cc loi (tr pho hiu cho an ton hng hi theo hng dn ca B Giao B Cng an hng dn thc hin, cng b thng - Vn ti); cc loi thit b gy danh mc v ghi m s HS ng trong nhiu my o tc phng tin giao Biu thu xut nhp khu. thng. Hng tiu dng qua s dng, bao gm cc nhm hng: - Hng dt may, giy dp, qun o - Hng in t - Hng in lnh B Cng thng c th ho cc mt hng trn v ghi m s HS ng trong Biu thu - Hng in gia dng xut nhp khu. - Thit b y t - Hng trang tr ni tht - Hng gia dng bng gm, snh s, thu tinh, kim loi, nha, cao su, cht do v cht liu khc. B Thng tin, Truyn thng c th ho mt - Hng ho l sn phm cng ngh hng v ghi m s HS ng trong Biu thu thng tin qua s dng. xut nhp khu.

B Vn ho, Th thao v Du lch hng Cc loi vn ho phm cm ph bin v dn thc hin, cng b danh mc v ghi lu hnh ti Vit Nam. m s HS ng trong Biu thu xut nhp khu. Phng tin vn ti tay li bn phi (k c dng tho ri v dng c chuyn i tay li trc khi nhp khu vo Vit Nam), tr cc loi phng tin chuyn dng c tay li bn phi hot ng trong B Giao thng, Vn ti cng b danh mc phm vi hp gm: xe cn cu; my o theo m s HS ng trong Biu thu xut knh rnh; xe qut ng, ti ng; xe nhp khu. ch rc v cht thi sinh hot; xe thi cng mt ng; xe ch khch trong sn bay v xe nng hng trong kho, cng; xe bm b tng; xe ch di chuyn trong sn gol, cng vin.

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TT

M t hng ho

M t hng ho

Vt t, phng tin qua s dng, gm: B Giao thng, Vn ti cng b danh mc v - My, khung, sm, lp, ph tng, ng ghi m s HS ng trong Biu thu xut nhp c ca t, my ko v xe 2 bnh, 3 khu. bnh gn my; - Khung gm ca t, my ko c gn ng c (k c khung gm mi B Giao thng, Vn ti cng b danh mc v c gn ng c qua s dng v ghi m s HS ng trong Biu thu xut nhp hoc khung gm qua s dng c khu. gn ng c mi); - Xe 2 bnh, 3 bnh gn my; B Cng thng cng b danh mc v ghi m s HS ng trong Biu thu xut nhp khu. B Giao thng, Vn ti cng b danh mc v ghi m s HS ng trong Biu thu xut nhp khu.

- t cu thng; - t cc loi: thay i kt cu chuyn i cng nng so vi thit k ban u; b c sa s khung, s my. 7

B Ti nguyn v Mi trng cng b Ph liu, ph thi, thit b lm lnh s danh mc v ghi r m s HS ng trong dng C.F.C. Biu thu xut nhp khu. B Xy dng cng b danh mc v ghi r Sn phm, vt liu c cha aming m s HS ng trong Biu thu xut nhp thuc nhm amfibole. khu. B Cng thng cng b danh mc v ghi Ho cht c Bng I c quy nh r m s HS dng trong Bin thu xut trong Cng c v kh ho hc. nhp khu.

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Ph lc 02/2009/PL-QCCV DANH MC HNG HA, DCH V CM KINH DOANH

TT A Tn hng ha, dch v Hng ha V kh qun dng, trang thit b, k thut, kh ti, phng tin chuyn dng qun s, cng an; qun trang (bao gm c ph hiu, cp hiu, qun hiu ca qun i, cng an), qun dng cho lc lng v trang; linh kin, b phn, ph tng, vt t v trang thit b c chng, cng ngh chuyn dng ch to chng. Ngh nh 47/CP ngy 12-81996; Ngh nh l00/2005/N-CP; Ngh nh 59/2006/N-CP; Ngh nh 139/2007/N-CP Vn bn php lut hin hnh(*) C quan qun l ngnh

B Quc phng, B Cng an

Cht ma ty cc loi

Lut Phng, chng ma tu 2000; Ngh nh 67/2001/N-CP; Ngh nh 133/2003/N-CP; Ngh nh 59/2006/N-CP; Ngh nh 139/2007/N-CP.

B Cng an

Lut Ho cht 2007; Ngh nh 100/2005/N-CP; Ho cht bng 1 (theo Cng c Ngh nh 59/2006/N-CP; quc t) Ngh nh 139/2007/N-CP; Ngh nh 108/2008/N-CP. Cc sn phm vn ha phn ng, Lut Xut bn 2004; i try, m tn d oan hoc c hi Ngh nh 59/2006/N-CP; ti gio dc thm m, nhn cch Ngh nh 139/2007/N-CP. Cc loi pho Ngh nh 139/2007/N-CP.

B Cng thng

B Vn ha, Th thao v Du lch B Cng an B Cng an B Cng an

5 6

chi, tr chi nguy him, chi, tr chi c hi ti gio dc nhn cch Ngh nh 59/2006/N-CP; v sc kho ca tr em hoc ti an Ngh nh 139/2007/N-CP. ninh, trt t an ton x hi Thuc th y, thuc bo v thc vt cm hoc cha c php s dng ti Vit Nam theo quy nh ti Php lnh Th y, Php lnh Bo v v kim dch thc vt Php lnh th 2004; Php lnh Bo v v kim dch thc vt 2001 Ngh nh 59/2006/N-CP;

B Nng nghip v PTNT B Nng nghip v PTNT

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Cc loi thc vt, ng vt hoang d, Cng c CITTES; gm c vt sng v cc b phn ca Ngh nh 32/2006/N-CP; chng c ch bin, thuc Danh

Lu hnh ni b

Quy nh v Cho vay

TG C quan qun l ngnh

TT

Vn bn php lut hin hnh(*) mc iu c quc t m Vit Nam Ngh nh 59/2006/N-CP; l thnh vin quy nh v cc loi Ngh nh 139/2007/N-CP. thc vt, ng vt qu him thuc danh mc cm khai thc, s dng Tn hng ha, dch v Thy sn cm khai thc, thy sn c d lng cht c hi vt qu gii Lut Thy sn 2003; hn cho php, thy sn c c t t nhin gy nguy him n tnh mng Ngh nh 59/2006/N-CP. ca con ngi Phn bn khng c trong danh mc Ngh nh 113/2003/N-CP+ c php sn xut, kinh doanh v Ngh nh 191/2007/N-CP s dng ti Vit Nam Ngh nh 59/2006/N-CP. Ging cy trng khng c trong danh mc c php sn xut, kinh doanh; Php lnh Ging cy trng ging cy trng gy hi n sn xut 2004 v sc khe con ngi, mi trng, Ngh nh 59/2006/N-CP. h sinh thi Ging vt nui khng c trong danh mc c php sn xut, kinh doanh; Php lnh Ging vt nui ging vt nui gy hi cho sc khe 2004 con ngi, ngun gen vt nui, mi Ngh nh 59/2006/N-CP. trng, h sinh thi Khong sn c bit, c hi Lut Khong sn 1996; Ngh nh 160/2005/N-CP; Ngh nh 59/2006/N-CP.

B Nng nghip v PTNT B Nng nghip v PTNT

10

11

12

B Nng nghip v PTNT B Ti nguyn v Mi trng B Ti nguyn v Mi trng

13

14

Ngh nh 175/CP/18-10-94; Ph liu nhp khu gy nhim cho Ngh nh 59/2006/N-CP; mi trng Ngh nh 139/2007/N-CP. Cc loi thuc cha bnh cho ngi, cc loi vc xin, sinh phm y t, m phm, ho cht v ch phm dit cn trng, dit khun trong lnh vc gia dng v y t cha c php s dng ti Vit Nam Lut Dc 2005; Php lnh Hnh ngh y dc t nhn 2003; Ngh nh 59/2006/N-CP; Ngh nh 79/2006/N-CP.

15

B Y t

16

Php lnh Hnh ngh y dc Cc loi trang thit b y t cha c t nhn 2003; php s dng ti Vit Nam Ngh nh 59/2006/N-CP. Ph gia thc phm, cht h tr ch bin thc phm, vi cht dinh dng, Php lnh V sinh an ton thc phm chc nng, thc phm c thc phm 2003; nguy c cao, thc phm c bo Ngh nh 59/2006/N-CP. qun bng phng php chiu x,

B Y t

17

B Y t

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TG C quan qun l ngnh

TT

Tn hng ha, dch v thc phm c gen b bin i cha c c quan nh nc c thm quyn cho php

Vn bn php lut hin hnh(*)

18 B 1 2

Sn phm, vt liu c cha amilng Ngh nh 12/2006/N-CP; thuc nhm amfibole Ngh nh 59/2006/N-CP. Dch v Kinh doanh mi dm, t chc mi Ngh nh 59/2006/N-CP; dm, bun bn ph n, tr em Ngh nh 139/2007/N-CP. T chc nh bc, g bc di mi Ngh nh 59/2006/N-CP; hnh thc Ngh nh 139/2007/N-CP. Dch v iu tra b mt xm phm li Ngh nh 14/2001/N-CP; ch ca nh nc, quyn v li ch Ngh nh 59/2006/N-CP; hp php ca t chc, cng dn Ngh nh 139/2007/N-CP. Ngh nh 68/2002/N-CP; Kinh doanh dch v mi gii kt hn Ngh nh 59/2006/N-CP; c yu t nc ngoi Ngh nh 139/2007/N-CP. Kinh doanh dch v mi gii nhn Ngh nh 68/2002/N-CP; cha, m, con, nui con nui c yu t Ngh nh 59/2006/N-CP; nc ngoi Ngh nh 139/2007/N-CP. Khc Cc loi sn phm, hng ho v thit b cm lu hnh, cm s dng hoc Ngh nh 59/2006/N-CP; cha c php lu hnh v/hoc s Ngh nh 139/2007/N-CP. dng ti Vit Nam Cc ngnh, ngh cm kinh doanh Ngh nh 59/2006/N-CP; khc c quy nh ti cc lut, php Ngh nh 139/2007/N-CP. lnh v ngh nh chuyn ngnh Vic kinh doanh cc ngnh, ngh quy nh ni trn trong mt s trng hp c bit, c p dng Ngh nh 59/2006/N-CP; theo quy nh ca cc lut, php lnh Ngh nh 139/2007/N-CP. hoc ngh nh chuyn ngnh lin quan.

B Xy dng

B Cng an B Cng an

B Cng an

B T php

5 C 1

B T php

* Trng hp vn bn Php lut hin hnh c s thay i (sa i, b sung hoc thay th) th p dng theo s thay i .

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Ph lc 03/2009/PL-QCCV DANH MC HNG HA, DCH V HN CH KINH DOANH

TT A Tn hng ha, dch v Hng ha Ngh nh s 47/CP/12-8-96; Sng sn v n sng sn, v kh Ngh nh 08/2001/N-CP; 102 th thao, cng c h tr Ngh nh 59/2006/N-CP. Php lnh An ton v kim Hng ha c cha cht phng x, sot bc x 1996; thit b bc x hoc ngun phng Ngh nh 50/1998/N-CP x Ngh nh 59/2006/N-CP. Ngh nh 27/CP 20/4/1995; Vt liu n cng nghip, Nitrat Ngh nh 02/CP/05-1-95; Amn (NH4NO3) hm lng cao t Ngh nh 08/2001/N-CP; 98,5% tr ln Ngh nh 59/2006/N-CP. Lut Ho cht 2007; Ho cht bng 2 v bng 3 (theo Ngh nh 100/2005/N-CP; Cng c quc t) Ngh nh 59/2006/N-CP; Ngh nh 108/2008/N-CP. Thc vt, ng vt hoang d qu Cng c CITTES; him (bao gm c vt sng v cc Ngh nh 32/2006/N-CP; b phn ca chng c ch Ngh nh 59/2006/N-CP. bin) Ngh nh 59/2006/N-CP; Thuc l iu, x g v cc dng Ngh nh 59/2006/N-CP; thuc l thnh phm khc Ngh nh 119/2007/N-CP. Ru cc loi Dch v Dch v karaoke, v trng Ngh nh 08/2001/N-CP; Ngh nh 11/2006/N-CP; Ngh nh 59/2006/N-CP. B Vn ha, TT v DL B Cng an Ngh nh 59/2006/N-CP; Ngh nh 59/2006/N-CP; Ngh nh 40/2008/N-CP. B Cng an B Quc phng, B VH, TT v DL B Khoa hc v Cng ngh Vn bn Php lut hin hnh (*) C quan qun l ngnh

B Cng thng

B Cng thng B Nng nghip v PTNT B Cng thng B Cng thng

7 B 1

* Trng hp vn bn Php lut hin hnh c s thay i (sa i, b sung hoc thay th) th p dng theo s thay i .
102

Quy nh v iu kin an ninh i vi mt s ngnh ngh kinh doanh c iu kin.

Lu hnh ni b

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Ph lc 04/2009/PL-QCCV DANH MC HNG HA, DCH V KINH DOANH C IU KIN

TT Tn hng ha, dch v Vn bn Php lut hin hnh (*) C quan qun l ngnh

Hng ha, dch v kinh doanh c Mc iu kin cp Giy chng nhn I iu kin kinh doanh A 1 Hng ha Xng, du cc loi Ngh nh 59/2006/NCP; 103 Ngh nh 55/2007/N-CP. B Cng thng B Cng thng B Y t

2 3

Kh t cc loi (Bao gm c hot Ngh nh 59/2006/N-CP; ng chit np) Ngh nh 55/2007/N-CP. Cc thuc dng cho ngi Lut Dc 2005; Ngh nh 59/2006/N-CP.

Php lnh V sinh v an ton Thc phm thuc Danh mc thc thc phm 2003; phm c nguy c cao Ngh nh 163/2004/N-CP; Ngh nh 59/2006/N-CP. Php lnh Bo v v kim Thuc th y, thuc bo v thc vt; dch thc vt 2001; nguyn liu sn xut thuc th y, Php lnh Th y 2004; thuc bo v thc vt Ngh nh 59/2006/N-CP. Di vt, c vt, bo vt quc gia Lut Di sn vn ha 2001; Ngh nh 92/2002/N-CP; Ngh nh 59/2006/N-CP.

B Y t

B Nng nghip v PTNT B Vn ha, Th thao v Du lch B Vn ha, Th thao v Du lch B Cng thng

Lut in nh 2006; Phim, bng, a hnh (bao gm c Ngh nh 11/2006/N-CP; hot ng in, sao chp) Ngh nh 59/2006/N-CP; Ngh nh 96/2007/N-CP. Nguyn liu thuc l Dch v Lut Dc 2005; Dch v y t; dch v y, dc c Php lnh hnh ngh y, dc truyn t nhn 2003; Ngh nh 59/2006/N-CP; Ngh nh 119/2007/N-CP.

8 B 1

B Y t

103

Quy nh chi tit Lut Thng mi v hng ha, dch v cm kinh doanh, hn ch kinh doanh v kinh doanh c iu kin.

Lu hnh ni b

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) Ngh nh 103/2003/N-CP; Ngh nh 59/2006/N-CP.

C quan qun l ngnh

Dch v kinh doanh thuc bao gm Lut Dc 2005; dch v bo qun thuc v kim Ngh nh 59/2006/N-CP. nghip thuc Hnh ngh th y Php lnh Th y 2004; Ngh nh 59/2006/N-CP. Php lnh Bo v v kim dch thc vt 2001; Ngh nh 59/2006/N-CP.

B Y t B Nng nghip v PTNT B Nng nghip v PTNT B Thng tin, Truyn thng B Thng tin, Truyn thng B Thng tin, Truyn thng B Thng tin, Truyn thng B Thng tin, Truyn thng

Hnh ngh xng hi khi trng

Php lnh Bu chnh, vin Thit lp mng v cung cp dch v thng 2002; vin thng Ngh nh 160/2004/N-CP; Ngh nh 59/2006/N-CP. Dch v truy nhp Internet (ISP) Dch v kt ni Internet (IXP) Ngh nh 55/2001/N-CP; Ngh nh 59/2006/N-CP. Ngh nh 55/2001/N-CP; Ngh nh 59/2006/N-CP.

6 7 8

Dch v ng dng Internet trong Ngh nh 55/2001/N-CP; bu chnh, vin thng (OSP bu Ngh nh 59/2006/N-CP. chnh, OSP vin thng) Cung cp dch v bu chnh Php lnh Bu chnh, vin thng 2002; Ngh nh 157/2004/N-CP; Ngh nh 59/2006/N-CP.

10

Php lnh Bu chnh, vin Dch v chuyn pht th trong thng 2002; nc v nc ngoi Ngh nh 157/2004/N-CP; Ngh nh 59/2006/N-CP. Phn phi in, bn bun in, bn Lut in lc 2004; l in v t vn chuyn ngnh v Ngh nh 59/2006/N-CP in lc Dch v t chc biu din ngh Ngh nh 11/2006/N-CP; thut Ngh nh 59/2006/N-CP. Dch v hp tc lm phim Ngh nh 48/CP/17-7-95

B Thng tin, Truyn thng

11

B Cng thng B Vn ha, Th thao v Du lch B Vn ha, Th thao v Du lch B Giao thng, Vn ti
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12

13 14

Dch v vn ti a phng thc Ngh nh 125/2003/N-CP; quc t Ngh nh 59/2006/N-CP.

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Quy nh v Cho vay

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TT 15

Tn hng ha, dch v Dch v thit k phng tin vn ti Cc dch v bo him: - Bo him nhn th; - Bo him phi nhn th; - Ti bo him; - Mi gii bo him; - i l bo him.

Vn bn Php lut hin hnh (*) Ngh nh 125/2003/N-CP; Ngh nh 59/2006/N-CP. Lut Kinh doanh bo him 2000; Ngh nh 43/2001/N-CP; Ngh nh 59/2006/N-CP; Ngh nh 45/2007/N-CP.

C quan qun l ngnh B Giao thng, Vn ti

16

B Ti chnh

17

Cc dch v v chng khon v th trng chng khon: - Mi gii chng khon; t kinh doanh chng khon; qun l danh mc u t chng khon; bo lnh pht hnh chng khon; t vn ti chnh v u t chng Lut Chng khon 2006; khon; ng k, lu k, b tr v thanh ton chng khon; Ngh nh 141/2003/N-CP; - Bo lnh pht hnh tri phiu Chnh ph, tri phiu c Chnh Ngh nh 59/2006/N-CP. ph bo lnh v tri phiu chnh quyn a phng; - u thu tri phiu Chnh ph, tri phiu c Chnh ph bo lnh v tri phiu chnh quyn a phng. Lut Lao ng VN i lm Dch v xut khu lao ng (a vic nc ngoi theo hp ngi lao ng i lm vic ti nc ng 2006; ngoi). Ngh nh 59/2006/N-CP. Dch v php l (bao gm c t vn Lut Lut s 2006; Php lut v bo cha) do lut s Ngh nh 59/2006/N-CP; Vit Nam thc hin Ngh nh 28/2007/N-CP. Dch v t vn Php lut do lut s Ngh nh 59/2006/N-CP; nc ngoi thc hin Ngh nh 28/2007/N-CP. Dch v cng chng Dch v khc du Dch v bo v Lut Cng chng 2006; Ngh nh 02/2008/N-CP. Ngh nh 08/2001/N-CP; Ngh nh 59/2006/N-CP. Ngh nh 14/2001/N-CP; Ngh nh 59/2006/N-CP.

B Ti chnh

18

B Lao ng, Thng binh v X hi

19

B T php

20 21 22 23

B T php B T php B Cng an B Cng an

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) Lut Du lch 2005; Ngh nh 59/2006/N-CP; Ngh nh 92/2007/N-CP.

C quan qun l ngnh B Vn ho, Th thao v Du lch

24

Dch v l hnh quc t

Hng ha, dch v kinh doanh c Mc iu kin khng cp Giy chng II nhn iu kin kinh doanh A Hng ha Lut Ho cht 2007; Cc loi ho cht c khc khng Ngh nh 100/2005/N-CP; thuc ho cht bng (theo Cng Ngh nh 59/2006/N-CP; c quc t) Ngh nh 108/2008/N-CP. Php lnh V sinh an ton Thc phm ngoi Danh mc thc thc phm 2003; phm c nguy c cao, nguyn liu Ngh nh 163/2004/N-CP; thc phm, ph gia thc phm v Ngh nh 59/2005/Ncht h tr ch bin thc phm CP; 104 Ngh nh 59/2006/N-CP. Cc loi trang thit b y t Php lnh Hnh ngh y dc t nhn 2003; Ngh nh 59/2006/N-CP. B Cng thng

B Y t B Thy sn

B Y t

4 5

Ng c (bao gm c nguyn liu Ngh nh 59/2005/N-CP; ch to ng c) v trang thit b Ngh nh 59/2006/N-CP. khai thc thy sn Thc n nui thy sn Ngh nh 59/2005/N-CP; Ngh nh 59/2006/N-CP.

B Thy sn B Thy sn B Nng nghip v PTNT B Nng nghip v PTNT B Nng nghip v PTNT B Nng nghip v

Php lnh Ging vt nui Ging vt nui c php sn xut 2004; kinh doanh Ngh nh 59/2005/N-CP; Ngh nh 59/2006/N-CP. Thc n chn nui Ngh nh 15/CP 19/3/1996; Ngh nh 59/2006/N-CP.

Php lnh Ging cy trng Ging cy trng chnh, ging cy 2004; trng qu him cn bo tn Ngh nh 59/2006/N-CP. Phn bn Ngh nh 113/2003/N-CP; Ngh nh 59/2006/N-CP.

104

Lu hnh ni b

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) Lut Xy dng 2003; Ngh nh 59/2006/N-CP. Lut Khong sn 1996; 2005; Ngh nh 160/2005/N-CP; Ngh nh 59/2006/N-CP.

C quan qun l ngnh PTNT B Xy dng B Cng thng B Thng tin v Truyn thng B Thng tin v Truyn thng B Lao ng, Thng binh v XH B Y t

10

Vt liu xy dng

11

Than m

12

Php lnh Bu chnh, vin Vt t, thit b vin thng (tr thit thng 2002; b pht, thu pht sng v tuyn) Ngh nh 160/2004/N-CP; Ngh nh 59/2006/N-CP. Php lnh bu chnh, vin Thit b pht, thu pht sng v thng 2002; tuyn Ngh nh 24/2004/N-CP; Ngh nh 59/2006/N-CP. B lut Lao ng 1994, 2002; Cc loi my, thit b, vt t, cc Ngh nh 06/20-01-1995 + cht c yu cu nghim ngt v an Ngh nh 110/2002/N-CP; ton lao ng, v sinh lao ng Ngh nh 59/2006/N-CP. Vng

13

14

15

Ngh nh 174/1999/N-CP + Ngn hng Nh Ngh nh 64/2003/N-CP; nc Vit Nam Ngh nh 59/2006/N-CP. Lut Kinh doanh bt ng sn 2006; Ngh nh 153/2007/N-CP. B Xy dng

16

Kinh doanh bt ng sn

B Dch v 1 Git m, s ch ng vt, sn phm Php lnh Th y 2004; ng vt; bo qun, vn chuyn sn Ngh nh 33/2005/N-CP; phm ng vt sau git m, s ch Ngh nh 59/2006/N-CP. Php lnh Ging cy trng 2004; Dch v v ging cy trng, vt Php lnh Ging vt nui nui 2004; Ngh nh 59/2006/N-CP. i l dch v bu chnh, dch v chuyn pht th (bao gm c i l dch v chuyn pht th cho t chc chuyn pht nc ngoi) i l dch v vin thng Php lnh bu chnh, vin thng 2002; Ngh nh 157/2004/N-CP; Ngh nh 59/2006/N-CP. Php lnh bu chnh, vin B Nng nghip v PTNT B Nng nghip v PTNT

B Thng tin v Truyn thng B Thng tin

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) thng 2002; Ngh nh 160/2004/N-CP; Ngh nh 59/2006/N-CP. Ngh nh 55/2001/N-CP; Ngh nh 59/2006/N-CP. Lut Xut bn 2004; Ngh nh 111/2005/N-CP; Ngh nh 59/2006/N-CP. Lut Xut bn 2004; Ngh nh 111/2005/N-CP; Ngh nh 105/2007/N-CP. Php lnh Qung co 2001; Ngh nh 24/2003/N-CP; Ngh nh 59/2006/N-CP. Ngh nh 08/2001/N-CP; Ngh nh 59/2006/N-CP.

C quan qun l ngnh v Truyn thng B Thng tin v Truyn thng B Thng tin v Truyn thng B Thng tin v Truyn thng B Thng tin v Truyn thng B Cng an B Cng an B Cng an B Cng an B Ti nguyn v Mi trng B Lao ng, Thng binh v XH B Lao ng, Thng binh v XH B Lao ng, Thng binh v XH B Giao thng,
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i l dch v Internet cng cng

Dch v pht hnh xut bn phm

In xut bn phm

Dch v qung co

9 10 11 12

Dch v cho thu lu tr

Dch v kinh doanh cc ta nh cao Ngh nh 08/2001/N-CP; trn 10 tng lm khch sn, nh , Ngh nh 59/2006/N-CP. vn phng lm vic Dch v cm Dch v in Ngh nh 08/2001/N-CP; Ngh nh 59/2006/N-CP. Ngh nh 08/2001/N-CP; Ngh nh 59/2006/N-CP.

13

Dch v thnh lp, in v pht hnh cc loi bn khng thuc phm Ngh nh 12/2002/N-CP; v qun l ca c quan qun l nh Ngh nh 59/2006/N-CP. nc Trung ng Dch v kim nh cc loi my Ngh nh 110/2002/N-CP; thit b, vt t, cc cht c yu cu Ngh nh 06/2005/N-CP; nghim ngt v an ton lao ng, Ngh nh 59/2006/N-CP. v sinh lao ng Dch v dy ngh; t vn dy ngh Lut Dy ngh 2006; Ngh nh 59/2006/N-CP.

14

15

16 17

Dch v mi gii, gii thiu vic Ngh nh 19/2005/N-CP; lm Ngh nh 59/2006/N-CP. Dch v vn ti bng t Lut Giao thng ng b

Lu hnh ni b

Quy nh v Cho vay

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) 2001; Ngh nh 59/2006/N-CP; Ngh nh 110/2006/N-CP.

C quan qun l ngnh Vn ti

18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38

Dch v vn ti ng st Kinh doanh kt cu h tng ng Lut ng st 2005; st Ngh nh 59/2006/N-CP; Cc dch v h tr vn ti ng Ngh nh 109/2006/N-CP. st Dch v vn ti ng st th Dch v ng mi, hon ci, sa cha, phc hi phng tin thy ni a Dch v xp, d hng ha, phc v hnh khch ti cng, bn thy ni a Dch v vn ti ng thy ni a Dch v i l tu bin Dch v i l vn ti ng bin Dch v mi gii hng hi Dch v cung ng tu bin Dch v kim m hng ha Dch v lai dt tu bin Dch v sa cha tu bin ti cng bin Dch v v sinh tu bin Dch v xp d hng ho ti cng bin Dch v vn ti bin Kinh doanh vn chuyn hng khng Lut Hng khng dn dng VN 2006; Dch v hng khng ti cng hng Ngh nh 76/2007/N-CP. khng, sn bay Kinh doanh cng hng khng i l lm th tc hi quan Lut Hi quan 2001; Ngh nh 79/2005/N-CP; B Giao thng, Vn ti Ngh nh 115/2007/N-CP. B Giao thng, Vn ti Ngh nh 59/2006/N-CP; Ngh nh 115/2007/N-CP. B Giao thng, Vn ti Lut Giao thng ng thy ni a 2004; Ngh nh 21/2005/N-CP; Ngh nh 59/2006/N-CP. B Giao thng, Vn ti

B Giao thng, Vn ti

B Ti chnh

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TT

Tn hng ha, dch v

Vn bn Php lut hin hnh (*) Ngh nh 59/2006/N-CP. Lut K ton 2003; Ngh nh 129/2004/N-CP; Ngh nh 59/2006/N-CP.

C quan qun l ngnh

39

Dch v k ton

B Ti chnh

40

Dch v kim ton v cc dch v Lut K ton 2003; lin quan khc v ti chnh, k ton, Ngh nh 105/2004/N-CP; thu Ngh nh 59/2006/N-CP. Dch v thm nh gi Php lnh Gi 2002; Ngh nh 101/2005/N-CP; Ngh nh 59/2006/N-CP.

B Ti chnh

41

B Ti chnh

42

Cc dch v hot ng xy dng Lut Xy dng 2003; c quy nh trong Lut Xy dng Ngh nh 59/2006/N-CP. Dch v cho ngi nc ngoi, Ngh nh 56/CP 18-9-1995; ngi Vit Nam nh c nc Ngh nh 08/2001/N-CP; ngoi thu nh ti Vit Nam Ngh nh 59/2006/N-CP. Dch v lu tr du lch Dch v l hnh ni a i l l hnh Dch v vn chuyn khch du lch Dch v du lch trong khu du lch, im du lch, th du lch Dch v hng dn vin Dch v gim nh thng mi Lut Thng mi 2005; Ngh nh 20/2006/N-CP; Ngh nh 59/2006/N-CP. Lut Thng mi 2005; Ngh nh 140/2007/N-CP. Lut Kinh doanh bt ng sn 2006; Ngh nh 153/2007/N-CP. Ngh nh 104/2007/N-CP. Lut Du lch 2005; Ngh nh 59/2006/N-CP; Ngh nh 92/2007/N-CP.

B Xy dng B Xy dng B Cng an

43 44 45 46 47 48 49 50

B Vn ho, Th thao v Du lch

B Cng thng B Cng thng B Xy dng B Ti chnh

51

Dch v l-gi-stc

52 53

Dch v mi gii bt ng sn Dch v i n

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Ph lc 05/2009/PL-QCCV THM NH NGHA V CHP HNH CC QUY NH CA PHP LUT I VI KHCH HNG

I. Ngha v chp hnh cc quy nh ca Php lut i vi Khch hng l Doanh nghip 105 1. Hot ng kinh doanh theo ng ngnh, ngh ghi trong Giy chng nhn ng k kinh doanh; bo m iu kin kinh doanh theo quy nh ca Php lut khi kinh doanh ngnh, ngh b hn ch kinh doanh hoc kinh doanh c iu kin. 2. T chc cng tc k ton, thng k; lp v np bo co ti chnh theo quy nh ca Php lut v k ton, thng k. 3. ng k m s thu, k khai thu, np thu v thc hin cc ngha v ti chnh khc theo quy nh ca Php lut. 4. Bo m quyn li ca ngi lao ng theo quy nh ca Php lut v lao ng. 5. Bo m v chu trch nhim v cht lng hng ho, dch v theo tiu chun ng k hoc cng b. 6. Tun th quy nh ca Php lut v quc phng, an ninh, trt t, an ton x hi, bo v ti nguyn, mi trng. 7. Thc hin cc ngha v khc theo quy nh ca Php lut i vi doanh nghip. 8. Mi c nhn ch c quyn thnh lp mt doanh nghip t nhn. 106 9. H kinh doanh s dng thng xuyn t 10 lao ng tr ln phi ng k thnh lp doanh nghip hot ng theo quy nh ca Lut Doanh nghip. 107 10. Gim c hoc Tng gim c cng ty khng c ng thi lm Gim c hoc Tng gim c ca doanh nghip khc. 108 II. Ngha v chp hnh cc quy nh ca Php lut v ch ti chnh, k ton ca Khch hng 1. Nhng Khch hng di y phi lp S k ton ghi chp, h thng v lu gi ton b cc nghip v kinh t, ti chnh pht sinh c lin quan n n v mnh: 109 a) Doanh nghip thuc cc thnh phn kinh t c thnh lp v hot ng theo Php lut Vit Nam; 110
105 106 107 108

109

iu 9 (Ngha v ca doanh nghip), Lut Doanh nghip nm 2005. Khon 3, iu 141 (Doanh nghip t nhn), Lut Doanh nghip nm 2005. Khon 2, iu 116 (Gim c hoc Tng gim c cng ty), Lut Doanh nghip nm 2005. Khon 4, iu 170 (p dng i vi cc doanh nghip c thnh lp trc khi Lut ny c hiu lc), Lut Doanh nghip nm 2005. Khon 5, iu 4 (Gii thch t ng), khon 1, iu 25 (S k ton v h thng s k ton), Lut K ton nm 2003.

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b) Chi nhnh, vn phng i din ca doanh nghip nc ngoi hot ng ti Vit Nam; c) Hp tc x; d) H kinh doanh, t hp tc. 111 2. Nhng Khch hng theo quy nh ti khon 1, iu ny phi thc hin: a) B tr ngi lm K ton trng. Trng hp cha b tr c ngi lm K ton trng, th phi c ngi ph trch k ton hoc thu ngi lm K ton trng (gi chung l K ton trng); 112 b) Lp Bo co ti chnh vo cui k k ton (k k ton nm, k k ton qu, k k ton thng) theo quy nh ca Php lut. 113 3. Bo co ti chnh ca cc n v k ton quy nh ti khon 2, iu ny bao gm: 114 a) Bng cn i k ton; b) Bo co kt qu hot ng kinh doanh; c) Bo co lu chuyn tin t; d) Bn thuyt minh bo co ti chnh. 4. Bo co ti chnh phi c lp ng ni dung, phng php v trnh by nht qun gia cc k k ton; trng hp bo co ti chnh trnh by khc nhau gia cc k k ton, th phi thuyt minh r l do. 115 5. Bo co ti chnh phi c ngi lp, K ton trng v ngi i din theo Php lut ca n v k ton k. Ngi k bo co ti chnh phi chu trch nhim v ni dung ca bo co. 116 III. Thm quyn thng qua cc hp ng, D n u t xin vay vn ca Khch hng 1. i hi ng C ng hoc HQT ca cng ty phi chp thun cc hp ng sau y: 117 a) Hp ng gia cng ty vi c ng, ngi i din u quyn ca c ng s hu trn 35% tng s c phn ph thng ca cng ty v nhng ngi c lin quan ca h;
110

111

112 113 114 115 116 117

Xem Ch k ton doanh nghip, ban hnh km theo Quyt nh s 15/2006/Q-BTC ngy 20-32006 ca B trng B Ti chnh. Xem Ch K ton h kinh doanh, ban hnh km theo Quyt nh s 169/2000/Q-BTC ngy 25-102000 ca B trng B Ti chnh, c sa i, b sung theo Quyt nh s 131/2002/Q-BTC ngy 18-10-2002. Khon 2, iu 48 (T chc b my k ton), Lut K ton nm 2003. Khon 1, iu 13 (K k ton); khon 1, iu 29 (Bo co ti chnh), Lut K ton nm 2003. Khon 3, iu 29 (Bo co ti chnh), Lut K ton nm 2003. Khon 3, iu 30 (Lp bo co ti chnh), Lut K ton nm 2003. Khon 4, iu 30 (Lp bo co ti chnh), Lut K ton nm 2003. Khon 1, iu 120 (Hp ng, giao dch phi c i hi ng c ng hoc HQT chp thun), Lut Doanh nghip nm 2005.

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b) Hp ng gia cng ty vi thnh vin HQT, Gim c hoc Tng gim c; c) Hp ng gia cng ty vi doanh nghip m thnh vin HQT, thnh vin Ban kim sot, Gim c hoc Tng gim c, ngi qun l khc ca cng ty h c s hu phn vn gp hoc c phn; d) Hp ng gia cng ty vi doanh nghip m ngi c lin quan ca thnh vin HQT, Gim c hoc Tng gim c cng ty cng s hu hoc s hu ring c phn hoc phn vn gp trn 35% vn iu l. 2. i hi ng C ng ca cng ty c thm quyn: a) Thng qua quyt nh u t s ti sn c gi tr bng hoc ln hn 50% tng gi tr ti sn c ghi trong bo co ti chnh gn nht ca cng ty, nu iu l cng ty khng quy nh mt t l khc; 118 b) Chp thun cc hp ng trong cc trng hp quy nh ti khon 1 ca iu ny, tr trng hp thuc thm quyn ca HQT. 119 3. HQT ca cng ty c thm quyn: a) Quyt nh phng n u t v D n u t trong thm quyn v gii hn theo quy nh ca Lut Doanh nghip nm 2005 hoc iu l cng ty; 120 b) Thng qua hp ng mua, bn, vay, cho vay v hp ng khc c gi tr bng hoc ln hn 50% tng gi tr ti sn c ghi trong bo co ti chnh gn nht ca cng ty hoc mt t l khc nh hn quy nh ti iu l cng ty, tr trng hp thuc thm quyn ca i hi ng c ng; 121 c) Chp thun cc hp ng c gi tr nh hn 50% tng gi tr ti sn doanh nghip ghi trong bo co ti chnh gn nht hoc mt t l khc nh hn quy nh ti iu l cng ty trong cc trng hp quy nh ti khon 1 ca iu ny. 122 4. Hi ng thnh vin cng ty TNHH c 2 thnh vin tr ln c thm quyn: 123 a) Quyt nh thi im v phng thc huy ng thm vn; b) Quyt nh phng thc u t v D n u t c gi tr trn 50% tng gi tr ti sn c ghi trong bo co ti chnh ti thi im cng b gn nht ca cng ty hoc mt t l khc nh hn quy nh ti iu l cng ty. 5. Hi ng thnh vin cng ty hp danh c thm quyn: 124 a) Quyt nh D n u t;

118 119

120 121 122

123 124

im d, khon 2, iu 96 (i hi ng c ng), Lut Doanh nghip nm 2005. Khon 3 iu 120 (Hp ng, giao dch phi c i hi ng c ng hoc HQT chp thun), Lut Doanh nghip nm 2005. im e, khon 2, iu 108 (HQT), Lut Doanh nghip nm 2005. im g, khon 2, iu 108 (HQT), Lut Doanh nghip nm 2005. Khon 2, iu 120 (Hp ng, giao dch phi c i hi ng c ng hoc HQT chp thun), Lut Doanh nghip nm 2005. Khon 2, iu 47 (Hi ng thnh vin), Lut Doanh nghip nm 2005. Khon 3, iu 135 (Hi ng thnh vin), Lut Doanh nghip nm 2005.

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b) Quyt nh vic vay v huy ng vn di hnh thc khc vi gi tr bng hoc ln hn 50% vn iu l ca cng ty, tr trng hp iu l cng ty quy nh mt t l khc cao hn. 6. Hi ng Qun tr ca Cng ty nim yt c thm quyn ph chun vic vay n v vic thc hin cc khon th chp, bo m, bo lnh v bi thng ca Cng ty. 125 IV. Ngha v chp hnh cc quy nh ca Php lut v bo him bt buc ca Khch hng 1. Khch hng phi thc hin vic mua bo him bt buc di y: 126 a) Bo him trch nhim dn s ca ch xe c gii, bo him trch nhim dn s ca ngi vn chuyn hng khng i vi hnh khch; b) Bo him trch nhim ngh nghip i vi hot ng t vn Php lut; c) Bo him trch nhim ngh nghip ca doanh nghip mi gii bo him; d) Bo him chy, n; e) Bo him mi trng; 127 f) Bo him bt buc v ti sn v trch nhim dn s khc theo quyt nh ca y ban Thng v Quc hi. 2. Ch xe c gii phi mua cc loi bo him trch nhim dn s d i y: 128 a) Bo him trch nhim bi thng thit hi ngoi hp ng do xe c gii gy ra i vi ngi th ba; b) Bo him trch nhim dn s ca ch xe c gii i vi hnh khch theo hp ng vn chuyn hnh khch. 3. Ngi kinh doanh vn ti trn ng thu ni a phi mua cc loi bo him bt buc trch nhim dn s di y: 129 a) Bo him trch nhim bi thng thit hi do ngi kinh doanh vn ti hng ho d chy, d n gy ra i vi ngi th ba, bao gm: Cht n; cht kh d chy, c hi; cht lng d chy; cht rn d chy; 130 b) Bo him trch nhim bi thng thit hi do ngi kinh doanh vn ti hnh khch gy ra i vi hnh khch theo hp ng vn chuyn hnh khch.
125

126 127 128

129

130

im e, khon 4, iu 25 (Quyn hn v nhim v ca Hi ng qun tr), iu l mu p dng cho cc Cng ty nim yt trn s giao dch, trung tm giao dch chng khon ban hnh km theo Quyt nh s 15/2007/Q-BTC ngy 19-3-2007 ca B trng B Ti chnh. iu 8 (Bo him bt buc), Lut Kinh doanh bo him nm 2000. iu 7, Lut Du kh nm 1993, sa i nm 2000. Tham kho Ngh nh s 115/1997/N-CP ngy 17-12-1997 ca Chnh ph v Ch bo him bt buc trch nhim dn s ca ch xe c gii. Ngh nh s 125/2005/N-CP ngy 07-10-2005 ca Chnh ph Quy nh ch bo him bt buc trch nhim dn s ca ngi kinh doanh vn ti hnh khch, hng ho d chy v d n trn ng thu ni a. iu 4 (Phn loi hng ho nguy him), Ngh nh s 29/2005/N-CP ngy 10-3-2005 ca Chnh ph Quy nh Danh mc hng ho nguy him v vic vn ti hng ho nguy him trn ng thu ni a.

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4. Ngi vn chuyn phi mua bo him bt buc trch nhim bi thng thit hi i vi tnh mng, sc kho ca hnh khch, vic mt mt, thiu ht, h hng hng ho, hnh l v do vn chuyn chm hoc thc hin cc bin php bo m khc n mc gii hn trch nhim bi thng thit hi ca ngi vn chuyn theo quy nh ca Php lut. 131 T chc, c nhn thc hin hot ng hng khng chung phi mua bo him bt buc trch nhim bi thng thit hi. 132 5. Ch tu bin phi mua cc loi bo him bt buc di y: 133 a) Bo him trch nhim dn s ca ch tu v nhim mi trng khi hot ng trong vng nc cng bin v vng bin Vit Nam i vi tu chuyn dng vn chuyn du m, ch phm t du m hoc cc hng ho nguy him khc bt buc phi c bo him theo quy nh; b) Mua bo him tai nn v bo him bt buc khc cho thuyn vin lm vic trn tu bin. 6. Ch tu c c trch nhim mua bo him bt buc i vi thuyn vin lm vic trn tu c khai thc thu sn xa b. 134 7. Doanh nghip kinh doanh ng st phi mua cc loi bo him bt buc di y: 135 a) Doanh nghip kinh doanh vn ti ng st th phi mua bo him trch nhim dn s theo quy nh ca Php lut v kinh doanh bo him; b) Doanh nghip kinh doanh vn ti hnh khch phi mua bo him cho hnh khch; c) Doanh nghip vn ti hng nguy him bng ng st phi mua bo him theo quy nh ca Php lut. 8. Doanh nghip kinh doanh l hnh quc t phi mua bo him cho khch du lch Vit Nam ra nc ngoi trong thi gian thc hin chng trnh du lch ra nc ngoi. 136 Doanh nghip vn chuyn khch du lch phi mua bo him hnh khch cho khch du lch theo phng tin vn chuyn. 137

131

132

133

134 135

136

137

iu 163 (Bo him bt buc trch nhim bi thng thit hi ca ngi vn chuyn), Lut Hng khng dn dng Vit Nam nm 2006. iu 201 (Bo him bt buc trch nhim bi thng thit hi), Lut Hng khng dn dng Vit Nam nm 2006. Khon 5, iu 28 (Bo m an ton hng hi, an ninh hng hi v phng nga nhim mi trng) v khon 4, iu 58 (Trch nhim ca ch tu i vi thuyn b), B lut Hng hi nm 2005. Khon 4, iu 12 (Khai thc thu sn xa b), Lut Thy sn nm 2003. Khon 4, iu 62 (Kinh doanh vn ti ng st th) v iu 98 (Trch nhim bo him trong kinh doanh vn ti hnh khch), Lut ng st nm 2005; Khon 6, iu 12 (iu kin kinh doanh vn ti ng st), iu 34 (Trch nhim ca doanh nghip vn ti hng nguy him), Ngh nh s 109/2006/N-CP ngy 22-92006 ca Chnh ph Quy nh chi tit v hng dn thi hnh mt s iu ca Lut ng st.. Khon 2, iu 50 (Quyn v ngha v ca doanh nghip kinh doanh l hnh quc t), Lut Du lch nm 2005. Khon 3, iu 58 (iu kin kinh doanh vn chuyn khch du lch); khon 4, iu 60 (Quyn v ngha v ca t chc, c nhn kinh doanh vn chuyn khch du lch), Lut Du lch nm 2005..

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9. C quan, t chc v c nhn c c s c nguy him v chy, n (theo danh mc quy nh ca Chnh ph) phi thc hin bo him chy, n bt buc i vi ti sn ca c s . 138 V. Ngha v chp hnh cc quy nh ca Php lut v an ton lao ng, v sinh, mi trng v pht trin bn vng 1. Doanh nghip, c nhn s dng lao ng phi chp hnh cc quy nh ca B lut lao ng v vic k hp ng lao ng vi ngi lao ng; tr lng cho ngi lao ng khng thp hn mc lng ti thiu, np bo him x hi, bo m an ton lao ng v v sinh cho ngi lao ng theo quy nh ca B lut Lao ng. 139 2. C s sn xut, kinh doanh phi bo m tiu chun v sinh, khng gy nhim nghim trng mi trng; khng gy nguy hi n tnh mng sc kho con ngi theo quy nh ca Lut Bo v sc kho nhn dn, Lut Bo v mi trng v Php lnh Bo v quyn li ngi tiu dng. 140 3. Ngi sn xut, kinh doanh phi bo m cc iu kin v cht lng i vi sn phm, hng ho theo quy nh ca Lut Cht lng hng ho, sn phm. 141 4. Doanh nghip, c nhn sn xut, kinh doanh, ch bin thc phm phi bo m v chu trch nhim v v sinh an ton thc phm do mnh sn xut, kinh doanh theo quy nh ca Php lnh V sinh an ton thc phm. 142 5. Doanh nghip, c nhn sn xut, kinh doanh phi bo m yu cu v phng chy, cha chy theo quy nh ca Lut Phng chy, cha chy. 143

138 139

140

141

142 143

iu 9 (Bo him chy, n), Lut Phng chy, cha chy nm 2001. iu 7; iu 27; khon 1, iu 95; iu 96; iu 141 ca B lut Lao ng nm 1994, c sa i, b sung nm 2002 v nm 2006. Cc iu t 7 n 12, Lut Bo v sc kho nhn dn nm 1989; iu 7, Php lnh Bo v quyn li ngi tiu dng nm 1999; Cc iu t 35 n 49 (Chng V v Bo v mi trng trong hot ng sn xut, kinh doanh, dch v), Lut Bo v mi trng nm 2005; Ngh nh s 80/2006/N-CP ngy 09-8-2006 ca Chnh ph v vic Quy nh chi tit v hng dn thi hnh mt s iu ca Lut Bo v mi trng (120 d n phi lp Bo co nh gi tc ng mi trng). iu 10 (Ngha v ca ngi sn xut), iu 12 (Ngha v ca ngi nhp khu), iu 14 (Ngha v ca ngi xut khu), iu 16 (Ngha v ca ngi bn hng), iu 28 (iu kin bo m cht lng sn phm trong sn xut trc khi a ra th trng), iu 29 (Kim tra cht lng sn phm trong sn xut), Lut Cht lng hng ho, sn phm nm 2007. Cc iu 4, 9, 10, 11, 12, 17, 18, 21, 22, 24, 28, 29, Php lnh V sinh an ton thc phm nm 2003. Cc iu 16, 18, 19 v 20, Lut Phng chy, cha chy nm 2001.

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MC LC Chng I. NHNG QUY NH CHUNG .....................................................................1 iu 1. i tng v phm vi iu chnh ....................................................................1 iu 2. Gii thch t ng ..............................................................................................2 iu 3. n v kinh doanh ...........................................................................................3 iu 4. Khch hng Vit Nam vay vn ca BAOVIET BANK ..................................3 iu 5. Khch hng nc ngoi vay vn ca BAOVIET BANK................................4 iu 6. Nhm Khch hng c lin quan vay vn ti BAOVIET BANK.....................4 iu 7. Quyn t ch ca cc n v kinh doanh........................................................5 iu 8. H s tn dng..................................................................................................6 iu 9. Cn b tn dng................................................................................................7 iu 10. Cc bc ch yu ca quy trnh cho vay.........................................................8 Chng II. CHNH SCH TN DNG, CC HN CH V GII HN CHO VAY.................................................................................................................8 iu 11. Chnh sch tn dng ca BAOVIET BANK....................................................8 iu 12. Mt s chnh sch tn dng ca BAOVIET BANK ........................................9 iu 13. nh hng tn dng ca BAOVIET BANK ................................................10 iu 14. Danh mc tn dng.........................................................................................10 iu 15. Thng tin tn dng..........................................................................................11 iu 16. Chnh sch khuyn khch v u i Khch hng tn dng ............................12 iu 17. Nhng nhu cu vn khng c cho vay theo quy nh ca Php lut ........13 iu 18. Nhng trng hp khng c cho vay theo quy nh ca Php lut ..........13 iu 19. Nhng trng hp hn ch cho vay theo quy nh ca Php lut.................14 iu 20. Nhng trng hp khng cho vay theo quy nh ca BAOVIET BANK ....15 iu 21. Gii hn cho vay............................................................................................16 Chng III. CC IU KIN V LOI HNH CHO VAY ......................................17 iu 22. Nguyn tc cho vay........................................................................................17 iu 23. Cc iu kin vay vn ca Khch hng.........................................................17 iu 24. iu kin cho vay khng c ti sn bo m tin vay ..................................18 iu 25. iu kin b sung i vi cho vay ngoi a bn..........................................19 iu 26. iu kin b sung i vi cho vay kinh doanh bt ng sn ........................20 iu 27. iu kin b sung i vi cho vay gp vn vo doanh nghip................21 iu 28. iu kin b sung cho vay u t trc tip ra nc ngoi .......................21
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iu 29. iu kin b sung i vi nhng trng hp khc .......................................22 iu 30. Th loi cho vay.............................................................................................23 iu 31. Cho vay u i v cho vay D n u t thuc tn dng u t pht trin ca Nh nc.........................................................................................23 iu 32. Cho vay theo u thc .....................................................................................23 iu 33. Cho vay bng ngoi t ...................................................................................24 iu 34. Cc phng thc cho vay ..............................................................................25 iu 35. Cho vay tng ln............................................................................................25 iu 36. Cho vay theo Hn mc tn dng ....................................................................25 iu 37. Cho vay theo D n u t ............................................................................27 iu 38. Cho vay hp vn............................................................................................27 iu 39. Cho vay tr gp..............................................................................................27 iu 40. Cho vay theo Hn mc tn dng d phng....................................................27 iu 41. Cho vay thng qua nghip v pht hnh v s dng th tn dng.................28 iu 42. Cho vay theo hn mc thu chi .....................................................................28 iu 43. Cho vay tiu dng v cc phng thc cho vay khc ...................................28 Chng IV. THM NH V PH DUYT CHO VAY ...........................................29 iu 44. nh gi, xp hng Khch hng ....................................................................29 iu 45. Thm nh v quyt nh cho vay..................................................................29 iu 46. Ni dung thm nh v xt duyt cho vay .....................................................30 iu 47. Thi hn thm nh v xt duyt cho vay......................................................31 iu 48. Ph duyt cho vay ..........................................................................................31 iu 49. Hon chnh th tc v iu kin cho vay.......................................................31 iu 50. Gii ngn khon vay ......................................................................................32 iu 51. K v ng du trn H s tn dng..............................................................33 Chng V. HP NG TN DNG ...........................................................................34 iu 52. Ni dung ca Hp ng tn dng...................................................................34 iu 53. Hp ng tn dng nguyn tc.......................................................................34 iu 54. Cam kt cho vay ............................................................................................35 iu 55. Mc cho vay ..................................................................................................35 iu 56. Li sut cho vay .............................................................................................36 iu 57. Ph cho vay.....................................................................................................36 iu 58. Thi hn cho vay ...........................................................................................37 iu 59. Tr n gc v li ............................................................................................38
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iu 60. n hn gc, li ...............................................................................................38 iu 61. Hnh thc bo m, gi tr ti sn bo m tin vay .....................................39 iu 62. Quyn v ngha v ca Khch hng ..............................................................39 iu 63. Quyn v ngha v ca n v kinh doanh ...................................................39 iu 64. Ngi i din hp php k kt cc Hp ng tn dng v Kh c nhn n...........................................................................................................40 iu 65. Cc trng hp Hp ng tn dng phi c cc cp c thm quyn ca Khch hng thng qua.............................................................................41 iu 66. Cam kt ti tr tn dng .................................................................................42 Chng VI. QUN L KHON VAY........................................................................43 iu 67. Theo di, kim tra, gim st vn vay.............................................................43 iu 68. Cc ni dung theo di, kim tra, gim st vn vay .......................................44 iu 69. Chuyn i loi tin cho vay .........................................................................45 iu 70. Thu hi n n hn ........................................................................................45 iu 71. iu kin C cu li thi hn tr n..............................................................46 iu 72. Thi hn c C cu li thi hn tr n ......................................................46 iu 73. Li sut C cu li thi hn tr n.................................................................46 iu 74. Th tc C cu li thi hn tr n .................................................................47 iu 75. Ni dung T trnh ngh C cu li thi hn tr n ...................................47 iu 76. Phn loi n v trch lp D phng x l ri ro ............................................48 iu 77. X l trng hp Khch hng c s thay i v t chc v hot ng ........48 iu 78. o n, khoanh n, xo n, c cu li n v mua bn n.............................49 iu 79. X l n xu v khon vay c vn bt thng .........................................49 iu 80. Ngng vic cho vay .......................................................................................50 iu 81. Khi kin i n theo Hp ng tn dng .....................................................51 iu 82. Min, gim li i vi Khch hng ...............................................................51 iu 83. Thng k, bo co tn dng............................................................................52 iu 84. Bo co tn dng bt thng..........................................................................52 iu 85. Bn giao H s tn dng ................................................................................53 iu 86. Lu gi H s tn dng..................................................................................54 iu 87. Thi hn lu tr H s tn dng ....................................................................54 Chng VII. IU KHON THI HNH ....................................................................55 iu 88. iu khon thi hnh.......................................................................................55

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Ph lc 01. DANH MC HNG HO CM XUT KHU, CM NHP KHU............................................................................................................56 Ph lc 02. DANH MC HNG HA, DCH V CM KINH DOANH.................59 Ph lc 03. DANH MC HNG HA, DCH V HN CH KINH DOANH ........62 Ph lc 04. DANH MC HNG HA, DCH V KINH DOANH C IU KIN..............................................................................................................63 Ph lc 05. THM NH NGHA V CHP HNH CC QUY NH CA PHP LUT I VI KHCH HNG .....................................................71 I. II. III. IV. V. Ngha v chp hnh cc quy nh ca Php lut i vi Khch hng l Doanh nghip.................................................................................................71 Ngha v chp hnh cc quy nh ca Php lut v ch ti chnh, k ton ca Khch hng......................................................................................71 Thm quyn thng qua cc hp ng, D n u t xin vay vn ca Khch hng ....................................................................................................72 Ngha v chp hnh cc quy nh ca Php lut v bo him bt buc ca Khch hng..............................................................................................74 Ngha v chp hnh cc quy nh ca Php lut v an ton lao ng, v sinh, mi trng v pht trin bn vng........................................................76

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