{"id":38793,"date":"2015-08-09T13:58:00","date_gmt":"2015-08-09T06:58:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=38793"},"modified":"2023-08-09T14:10:31","modified_gmt":"2023-08-09T07:10:31","slug":"thong-tu-06-2023-tt-nhnn-sua-doi-thong-tu-39-2016-tt-nhnn-ve-hoat-dong-cho-vay","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/thong-tu-06-2023-tt-nhnn-sua-doi-thong-tu-39-2016-tt-nhnn-ve-hoat-dong-cho-vay\/","title":{"rendered":"Th\u00f4ng t\u01b0 06\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay"},"content":{"rendered":"\n

Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s<\/em>\u1ed1<\/em>\u00a039\/20<\/em>1<\/em>6\/TT<\/em>\u2013NHNN ng\u00e0y 30 th<\/em>\u00e1<\/em>ng 12 n\u0103m 2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch<\/em>i<\/em>\u00a0nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111<\/em>\u1ed1<\/em>i v\u1edbi kh\u00e1ch h\u00e0ng (sau \u0111\u00e2y g\u1ecdi l\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 39\/20<\/em>1<\/em>6\/TT<\/em>\u2013NHNN<\/em><\/p>\n\n\n\n
\n

NG\u00c2N H\u00c0NG NH\u00c0 N\u01af\u1edaC
VI\u1ec6T NAM<\/span><\/strong><\/p>\n

S\u1ed1: 06\/2023\/TT-NHNN<\/p>\n<\/td>\n

\n

C\u1ed8NG H\u00d2A X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM<\/strong>
\u0110\u1ed9c l\u1eadp \u2013 T\u1ef1 do \u2013 H\u1ea1nh ph\u00fac<\/strong><\/span><\/p>\n

H\u00e0 N\u1ed9i, ng\u00e0y 28 th\u00e1ng 6 n\u0103m 2023<\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TH\u00d4NG T\u01af<\/strong><\/b><\/p>\n

S\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN<\/strong><\/b>
ng\u00e0y 30 th\u00e1ng 12 n\u0103m 2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/strong><\/b>
Vi\u1ec7t Nam quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng,<\/strong><\/b>
chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/strong><\/b><\/p>\n

C<\/em>\u0103<\/em>n c\u1ee9\u00a0<\/em>Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam<\/span><\/em>\u00a0ng\u00e0y\u00a0<\/em>1<\/em>6 th<\/em>\u00e1<\/em>ng 6 n\u0103m 2010;<\/em><\/p>\n

C\u0103n c\u1ee9\u00a0<\/em>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/span>\u00a0ng\u00e0y 16 th\u00e1ng 6 n\u0103m 2010 v\u00e0\u00a0Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/span><\/em>\u00a0ng\u00e0y 20 th\u00e1ng 11 n\u0103m 2017;<\/em><\/p>\n

C\u0103n c\u1ee9 Ngh\u1ecb \u0111\u1ecbnh s<\/em>\u1ed1<\/em>\u00a0<\/em>102\/2022\/N\u0110-CP<\/span><\/em>\u00a0ng\u00e0y 12 th<\/em>\u00e1<\/em>ng 12 n\u0103m 2022 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh ch\u1ee9c n\u0103ng, nhi\u1ec7m v\u1ee5, quy<\/em>\u1ec1<\/em>n h\u1ea1n v\u00e0 c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam;<\/em><\/p>\n

Theo \u0111\u1ec1 ngh\u1ecb c\u1ee7a V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch<\/em>\u00ed<\/em>nh s\u00e1ch ti\u1ec1n t\u1ec7;<\/em><\/p>\n

Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s<\/em>\u1ed1<\/em>\u00a039\/20<\/em>1<\/em>6\/TT<\/em>\u2013NHNN ng\u00e0y 30 th<\/em>\u00e1<\/em>ng 12 n\u0103m 2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ch<\/em>i<\/em>\u00a0nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111<\/em>\u1ed1<\/em>i v\u1edbi kh\u00e1ch h\u00e0ng (sau \u0111\u00e2y g\u1ecdi l\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 39\/20<\/em>1<\/em>6\/TT<\/em>\u2013NHNN).<\/em><\/p>\n

\u0110i\u1ec1u 1. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1\u00a039\/2016\/TT-NHNN<\/span><\/strong><\/b><\/p>\n

    \n
  1. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung \u0111i\u1ec3m c kho\u1ea3n 6 v\u00e0 b\u1ed5 sung kho\u1ea3n 12\u0110i\u1ec1u 2nh\u01b0 sau:<\/li>\n
  2. a) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m c kho\u1ea3n 6nh\u01b0 sau:
    \u201cc) Ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng kinh doanh ho\u1eb7c ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng \u0111\u1ec3 mua nh\u00e0 \u1edf; x\u00e2y d\u1ef1ng, c\u1ea3i t\u1ea1o nh\u00e0 \u1edf; nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 x\u00e2y nh\u00e0 \u1edf.\u201d.<\/li>\n
  3. b) B\u1ed5 sung kho\u1ea3n 12 nh\u01b0 sau:
    \u201c12. Cho vay b\u00f9 \u0111\u1eafp t\u00e0i ch\u00ednh l\u00e0 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 b\u00f9 \u0111\u1eafp c\u00e1c chi ph\u00ed \u0111\u00e3 thanh to\u00e1n, chi tr\u1ea3 b\u1eb1ng v\u1ed1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng, v\u1ed1n vay t\u1eeb c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c (kh\u00f4ng ph\u1ea3i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) nh\u1eb1m th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n ho\u1ea1t \u0111\u1ed9ng kinh doanh ho\u1eb7c ph\u01b0\u01a1ng \u00e1n, d\u1ef1 \u00e1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng.\u201d.<\/li>\n
  4. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0110i\u1ec1u 8nh\u01b0 sau:
    \u201c\u0110i\u1ec1u 8. Nh\u1eefng nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay
    T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi c\u00e1c nhu c\u1ea7u v\u1ed1n:
    1. \u0110\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 kinh doanh thu\u1ed9c ng\u00e0nh, ngh\u1ec1 c\u1ea5m \u0111\u1ea7u t\u01b0 kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0110\u1ea7u t\u01b0.
    2. \u0110\u1ec3 thanh to\u00e1n c\u00e1c chi ph\u00ed, \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 kinh doanh thu\u1ed9c ng\u00e0nh, ngh\u1ec1 c\u1ea5m \u0111\u1ea7u t\u01b0 kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0110\u1ea7u t\u01b0 v\u00e0 c\u00e1c giao d\u1ecbch, h\u00e0nh vi kh\u00e1c m\u00e0 ph\u00e1p lu\u1eadt c\u1ea5m.
    3. \u0110\u1ec3 mua, s\u1eed d\u1ee5ng c\u00e1c h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 thu\u1ed9c ng\u00e0nh, ngh\u1ec1 c\u1ea5m \u0111\u1ea7u t\u01b0 kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0110\u1ea7u t\u01b0.
    4. \u0110\u1ec3 mua v\u00e0ng mi\u1ebfng.
    5. \u0110\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng t\u1ea1i ch\u00ednh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n l\u00e3i ti\u1ec1n vay ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh thi c\u00f4ng x\u00e2y d\u1ef1ng c\u00f4ng tr\u00ecnh, m\u00e0 chi ph\u00ed l\u00e3i ti\u1ec1n vay \u0111\u01b0\u1ee3c t\u00ednh trong t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n ph\u00ea duy\u1ec7t theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.
    6. \u0110\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i (kh\u00f4ng bao g\u1ed3m kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i d\u01b0\u1edbi h\u00ecnh th\u1ee9c mua b\u00e1n h\u00e0ng h\u00f3a tr\u1ea3 ch\u1eadm), kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n kho\u1ea3n vay \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:
    a) Th\u1eddi h\u1ea1n cho vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n cho vay c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay c\u0169;
    b) L\u00e0 kho\u1ea3n vay ch\u01b0a th\u1ef1c hi\u1ec7n c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3.
    7. \u0110\u1ec3 g\u1eedi ti\u1ec1n.
    8. \u0110\u1ec3 thanh to\u00e1n ti\u1ec1n g\u00f3p v\u1ed1n, mua, nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng ph\u1ea7n v\u1ed1n g\u00f3p c\u1ee7a c\u00f4ng ty tr\u00e1ch nhi\u1ec7m h\u1eefu h\u1ea1n, c\u00f4ng ty h\u1ee3p danh; g\u00f3p v\u1ed1n, mua, nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ed5 ph\u1ea7n c\u1ee7a c\u00f4ng ty c\u1ed5 ph\u1ea7n ch\u01b0a ni\u00eam y\u1ebft tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n ho\u1eb7c ch\u01b0a \u0111\u0103ng k\u00fd giao d\u1ecbch tr\u00ean h\u1ec7 th\u1ed1ng giao d\u1ecbch Upcom.
    9. \u0110\u1ec3 thanh to\u00e1n ti\u1ec1n g\u00f3p v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n, h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0a v\u00e0o kinh doanh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh cho vay.
    10. \u0110\u1ec3 b\u00f9 \u0111\u1eafp t\u00e0i ch\u00ednh, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:
    a) Kh\u00e1ch h\u00e0ng \u0111\u00e3 \u1ee9ng v\u1ed1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng \u0111\u1ec3 thanh to\u00e1n, chi tr\u1ea3 chi ph\u00ed th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ho\u1ea1t \u0111\u1ed9ng kinh doanh, m\u00e0 c\u00e1c chi ph\u00ed th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ho\u1ea1t \u0111\u1ed9ng kinh doanh n\u00e0y ph\u00e1t sinh d\u01b0\u1edbi 12 th\u00e1ng t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh cho vay;
    b) C\u00e1c chi ph\u00ed \u0111\u00e3 thanh to\u00e1n, chi tr\u1ea3 b\u1eb1ng v\u1ed1n c\u1ee7a ch\u00ednh kh\u00e1ch h\u00e0ng nh\u1eb1m th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ho\u1ea1t \u0111\u1ed9ng kinh doanh l\u00e0 c\u00e1c chi ph\u00ed c\u00f3 s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n \u0111\u00e3 g\u1eedi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t cho vay trung, d\u00e0i h\u1ea1n nh\u1eb1m th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ho\u1ea1t \u0111\u1ed9ng kinh doanh \u0111\u00f3.\u201d.<\/li>\n
  5. S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 2 \u0110i\u1ec1u 11nh\u01b0 sau:
    \u201c2. \u0110\u1ed3ng ti\u1ec1n tr\u1ea3 n\u1ee3 l\u00e0 \u0111\u1ed3ng ti\u1ec1n cho vay c\u1ee7a kho\u1ea3n vay. Tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 n\u1ee3 b\u1eb1ng \u0111\u1ed3ng ti\u1ec1n kh\u00e1c, th\u00ec th\u1ef1c hi\u1ec7n theo th\u1ecfa thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt li\u00ean quan.\u201d.<\/li>\n
  6. S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 2 \u0110i\u1ec1u 13nh\u01b0 sau:
    \u201c2. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 l\u00e0 c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy\u1ebft \u0111\u1ecbnh trong t\u1eebng th\u1eddi k\u1ef3 nh\u1eb1m \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 nhu c\u1ea7u v\u1ed1n:
    a) Ph\u1ee5c v\u1ee5 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n;
    b) Th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i;
    c) Ph\u1ee5c v\u1ee5 kinh doanh c\u1ee7a doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba v\u00e0 quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba;
    d) Ph\u00e1t tri\u1ec3n ng\u00e0nh c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ph\u00e1t tri\u1ec3n c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3;
    \u0111) Ph\u1ee5c v\u1ee5 kinh doanh c\u1ee7a doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao thu\u1ed9c Danh m\u1ee5c c\u00f4ng ngh\u1ec7 cao \u01b0u ti\u00ean \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t, doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 cao theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt C\u00f4ng ngh\u1ec7 cao v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Lu\u1eadt C\u00f4ng ngh\u1ec7 cao.\u201d.<\/li>\n
  7. S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 4 \u0110i\u1ec1u 18nh\u01b0 sau:
    \u201c4. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c, l\u00e3i ti\u1ec1n vay. \u0110\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay b\u1ecb qu\u00e1 h\u1ea1n tr\u1ea3 n\u1ee3, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n theo th\u1ee9 t\u1ef1 n\u1ee3 g\u1ed1c thu tr\u01b0\u1edbc, n\u1ee3 l\u00e3i ti\u1ec1n vay thu sau. \u0110\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay c\u00f3 m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 b\u1ecb qu\u00e1 h\u1ea1n, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n thu n\u1ee3 theo th\u1ee9 t\u1ef1 thu n\u1ee3 g\u1ed1c \u0111\u00e3 qu\u00e1 h\u1ea1n, thu n\u1ee3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n ch\u01b0a tr\u1ea3, thu n\u1ee3 g\u1ed1c \u0111\u1ebfn h\u1ea1n, thu n\u1ee3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c m\u00e0 \u0111\u1ebfn h\u1ea1n ch\u01b0a tr\u1ea3.\u201d.<\/li>\n
  8. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung kho\u1ea3n 1, \u0111i\u1ec3m a, \u0111i\u1ec3m b, \u0111i\u1ec3m c, \u0111i\u1ec3m e v\u00e0 \u0111i\u1ec3m g kho\u1ea3n 2 \u0110i\u1ec1u 22 nh\u01b0 sau:<\/li>\n
  9. a) S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 1nh\u01b0 sau:
    \u201c1. C\u0103n c\u1ee9 quy \u0111\u1ecbnh t\u1ea1i\u00a0Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/span>, Th\u00f4ng t\u01b0 n\u00e0y v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ban h\u00e0nh quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 cho vay, bao g\u1ed3m quy \u0111\u1ecbnh v\u1ec1 cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed (n\u1ebfu c\u00f3), qu\u1ea3n l\u00fd ti\u1ec1n vay ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (sau \u0111\u00e2y g\u1ecdi l\u00e0 quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 cho vay).\u201d.<\/li>\n
  10. b) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m a kho\u1ea3n 2nh\u01b0 sau:
    \u201ca) \u0110i\u1ec1u ki\u1ec7n cho vay, trong \u0111\u00f3 quy \u0111\u1ecbnh c\u00e1c ti\u00eau ch\u00ed c\u1ee5 th\u1ec3 x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u vay v\u1ed1n s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch h\u1ee3p ph\u00e1p, c\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n kh\u1ea3 thi v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u1ea3 n\u1ee3; c\u00e1c nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay; ph\u01b0\u01a1ng th\u1ee9c cho vay; l\u00e3i su\u1ea5t cho vay v\u00e0 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i ti\u1ec1n vay; ti\u00eau ch\u00ed x\u00e1c \u0111\u1ecbnh kh\u00e1ch h\u00e0ng c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh minh b\u1ea1ch, l\u00e0nh m\u1ea1nh \u0111\u01b0\u1ee3c vay v\u1ed1n theo l\u00e3i su\u1ea5t cho vay quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 13 Th\u00f4ng t\u01b0 n\u00e0y; h\u1ed3 s\u01a1 cho vay v\u00e0 c\u00e1c t\u00e0i li\u1ec7u, d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng g\u1eedi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a kho\u1ea3n vay, lo\u1ea1i cho vay v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng; thu n\u1ee3; \u0111i\u1ec1u ki\u1ec7n, quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3; chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n; quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111i\u1ec1u ki\u1ec7n cho vay kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m, ph\u00e2n c\u1ea5p th\u1ea9m quy\u1ec1n quy\u1ebft \u0111\u1ecbnh cho vay kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m.\u201d.<\/li>\n
  11. c) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m b kho\u1ea3n 2nh\u01b0 sau:
    \u201cb) Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, ph\u00ea duy\u1ec7t v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay, trong \u0111\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3:
    (i) Th\u1eddi h\u1ea1n t\u1ed1i \u0111a th\u1ea9m \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh cho vay; ph\u00e2n c\u1ea5p, \u1ee7y quy\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn trong vi\u1ec7c th\u1ea9m \u0111\u1ecbnh, ph\u00ea duy\u1ec7t, quy\u1ebft \u0111\u1ecbnh cho vay, bao g\u1ed3m quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 32\u0111 Th\u00f4ng t\u01b0 n\u00e0y (n\u1ebfu c\u00f3); c\u00e1c c\u00f4ng vi\u1ec7c kh\u00e1c thu\u1ed9c quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh, ph\u00ea duy\u1ec7t v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay;
    (ii) Tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n g\u00f3p v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n, h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n;
    (iii) Tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p phong t\u1ecfa s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n v\u1ed1n cho vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean t\u1ea1i th\u1ecfa thu\u1eadn cho vay cho \u0111\u1ebfn khi ch\u1ea5m d\u1ee9t ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m;\u201d.<\/li>\n
  12. d) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m c kho\u1ea3n 2nh\u01b0 sau:
    \u201cc) Quy tr\u00ecnh ki\u1ec3m tra, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3:
    (i) Ph\u00e2n c\u1ea5p, \u1ee7y quy\u1ec1n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn trong vi\u1ec7c ki\u1ec3m tra, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng;
    (ii) Tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n g\u00f3p v\u1ed1n theo h\u1ee3p \u0111\u1ed3ng g\u00f3p v\u1ed1n, h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ea7u t\u01b0 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c kinh doanh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n, c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, gi\u00e1m s\u00e1t, \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, ngu\u1ed3n tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n theo tho\u1ea3 thu\u1eadn, ki\u1ec3m so\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch;
    (iii) Tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, \u0111\u1ea3m b\u1ea3o thu h\u1ed3i \u0111\u01b0\u1ee3c v\u1ed1n cho vay trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang th\u1ecfa thu\u1eadn ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m;\u201d.<\/li>\n<\/ol>\n

    \u0111) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u00a0\u0111i\u1ec3m e kho\u1ea3n 2\u00a0nh\u01b0 sau:
    \u201ce) Nh\u1eadn d\u1ea1ng c\u00e1c lo\u1ea1i r\u1ee7i ro c\u00f3 th\u1ec3 ph\u00e1t sinh; quy \u0111\u1ecbnh theo d\u00f5i, \u0111\u00e1nh gi\u00e1 v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro; ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd r\u1ee7i ro trong qu\u00e1 tr\u00ecnh cho vay (bao g\u1ed3m cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed);\u201d.<\/p>\n

      \n
    1. e) S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m g kho\u1ea3n 2nh\u01b0 sau:
      \u201cg) Ki\u1ec3m so\u00e1t vi\u1ec7c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 kho\u1ea3n vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, tr\u1ea3 n\u1ee3 kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m ph\u00f2ng ng\u1eeba v\u00e0 ng\u0103n ch\u1eb7n vi\u1ec7c ph\u1ea3n \u00e1nh sai l\u1ec7ch ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng. Ki\u1ec3m so\u00e1t vi\u1ec7c cho vay theo ph\u01b0\u01a1ng th\u1ee9c cho vay tu\u1ea7n ho\u00e0n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c cho vay quay v\u00f2ng nh\u1eb1m qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n theo tho\u1ea3 thu\u1eadn, ph\u1ea3n \u00e1nh \u0111\u00fang ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng. Ki\u1ec3m so\u00e1t vi\u1ec7c cho vay \u0111\u1ec3 \u0111\u1ea7u t\u01b0 kinh doanh ch\u1ee9ng kho\u00e1n; cho vay mua, kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n; cho vay c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 theo h\u00ecnh th\u1ee9c \u0111\u1ed1i t\u00e1c c\u00f4ng t\u01b0; cho vay c\u00e1c nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn theo \u0111\u00e1nh gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng; cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed.\u201d.<\/li>\n
    2. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung\u0111i\u1ec3m b kho\u1ea3n 4 \u0110i\u1ec1u 23nh\u01b0 sau:
      \u201cb) Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 h\u1ee3p \u0111\u1ed3ng theo m\u1eabu, \u0111i\u1ec1u ki\u1ec7n giao d\u1ecbch chung cho kh\u00e1ch h\u00e0ng bi\u1ebft tr\u01b0\u1edbc khi giao k\u1ebft th\u1ecfa thu\u1eadn cho vay v\u00e0 c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin\u201d.<\/li>\n
    3. S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 2 \u0110i\u1ec1u 24nh\u01b0 sau:
      \u201c2. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 quy\u1ec1n, ngh\u0129a v\u1ee5 ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 quy tr\u00ecnh n\u1ed9i b\u1ed9 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c kho\u1ea3n 2 \u0110i\u1ec1u 22 Th\u00f4ng t\u01b0 n\u00e0y.\u201d.<\/li>\n
    4. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung kho\u1ea3n 2 v\u00e0 b\u1ed5 sung kho\u1ea3n 5 v\u00e0o\u0110i\u1ec1u 26nh\u01b0 sau:<\/li>\n
    5. a) S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 2nh\u01b0 sau:
      \u201c2. S\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n cho vay theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i ng\u00e2n v\u1ed1n cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.\u201d.<\/li>\n
    6. b) B\u1ed5 sung kho\u1ea3n 5 nh\u01b0 sau:
      \u201c5. Tr\u01b0\u1eddng h\u1ee3p cho vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n nh\u1eb1m b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i phong t\u1ecfa s\u1ed1 ti\u1ec1n gi\u1ea3i ng\u00e2n v\u1ed1n cho vay t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho vay theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean t\u1ea1i th\u1ecfa thu\u1eadn cho vay cho \u0111\u1ebfn khi ch\u1ea5m d\u1ee9t ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m.\u201d.<\/li>\n
    7. S\u1eeda \u0111\u1ed5i, b\u1ed5 sung kho\u1ea3n 1, kho\u1ea3n 4 v\u00e0 kho\u1ea3n 5 \u0110i\u1ec1u 27 nh\u01b0 sau:<\/li>\n
    8. a) S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 1nh\u01b0 sau:
      \u201cCho vay t\u1eebng l\u1ea7n: M\u1ed7i l\u1ea7n cho vay, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 giao k\u1ebft th\u1ecfa thu\u1eadn cho vay.\u201d.<\/li>\n
    9. b) S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 4nh\u01b0 sau:
      \u201c4. Cho vay theo h\u1ea1n m\u1ee9c: T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng x\u00e1c \u0111\u1ecbnh v\u00e0 th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng h\u1ea1n m\u1ee9c cho vay t\u1ed1i \u0111a duy tr\u00ec trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. M\u1ed9t n\u0103m \u00edt nh\u1ea5t m\u1ed9t l\u1ea7n, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t x\u00e1c \u0111\u1ecbnh l\u1ea1i h\u1ea1n m\u1ee9c cho vay t\u1ed1i \u0111a v\u00e0 th\u1eddi gian duy tr\u00ec h\u1ea1n m\u1ee9c n\u00e0y.\u201d.<\/li>\n
    10. c) S\u1eeda \u0111\u1ed5i, b\u1ed5 sungkho\u1ea3n 5nh\u01b0 sau:
      \u201c5. Cho vay theo h\u1ea1n m\u1ee9c d\u1ef1 ph\u00f2ng: T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cam k\u1ebft \u0111\u1ea3m b\u1ea3o s\u1eb5n s\u00e0ng cho kh\u00e1ch h\u00e0ng vay v\u1ed1n trong ph\u1ea1m vi h\u1ea1n m\u1ee9c cho vay d\u1ef1 ph\u00f2ng \u0111\u00e3 th\u1ecfa thu\u1eadn (ngo\u00e0i ph\u1ea1m vi h\u1ea1n m\u1ee9c cho vay \u0111\u00e3 th\u1ecfa thu\u1eadn). T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ea1n m\u1ee9c cho vay d\u1ef1 ph\u00f2ng nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 01 (m\u1ed9t) n\u0103m.\u201d<\/li>\n
    11. B\u1ed5 sung M\u1ee5c 3Ch\u01b0\u01a1ng IInh\u01b0 sau:<\/li>\n<\/ol>\n

      \u201cM\u1ee5c 3: HO\u1ea0T \u0110\u1ed8NG CHO VAY B\u1eb0NG PH\u01af\u01a0NG TI\u1ec6N \u0110I\u1ec6N T\u1eec<\/strong><\/b><\/p>\n

      \u0110i\u1ec1u 32a. Nguy\u00ean t\u1eafc cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed<\/strong><\/b><\/p>\n

        \n
      1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a kho\u1ea3n vay, \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, b\u1ea3o v\u1ec7 th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u v\u00e0 b\u1ea3o m\u1eadt th\u00f4ng tin ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, giao d\u1ecbch \u0111i\u1ec7n t\u1eed, h\u01b0\u1edbng d\u1eabn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan.<\/li>\n
      2. H\u1ec7 th\u1ed1ng th\u00f4ng tin th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o \u0111\u1ea3m an to\u00e0n h\u1ec7 th\u1ed1ng th\u00f4ngtin c\u1ea5p\u0111\u1ed9 3 tr\u1edf l\u00ean theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o \u0111\u1ea3m an to\u00e0n h\u1ec7 th\u1ed1ng th\u00f4ng tin theo c\u1ea5p \u0111\u1ed9 v\u00e0 quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 an to\u00e0n h\u1ec7 th\u1ed1ng th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/li>\n
      3. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i l\u01b0u tr\u1eef, b\u1ea3o qu\u1ea3n th\u00f4ng tin, d\u1eef li\u1ec7u theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, \u0111\u1ea3m b\u1ea3o an to\u00e0n, b\u1ea3o m\u1eadt v\u00e0 \u0111\u01b0\u1ee3c sao l\u01b0u d\u1ef1 ph\u00f2ng \u0111\u1ea3m b\u1ea3o t\u00ednh \u0111\u1ea7y \u0111\u1ee7, to\u00e0n v\u1eb9n c\u1ee7a h\u1ed3 s\u01a1 cho ph\u00e9p truy c\u1eadp, s\u1eed d\u1ee5ng khi c\u1ea7n thi\u1ebft ho\u1eb7c \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu, gi\u1ea3i quy\u1ebft tra so\u00e1t, khi\u1ebfu n\u1ea1i, tranh ch\u1ea5p v\u00e0 cung c\u1ea5p th\u00f4ng tin khi c\u00f3 y\u00eau c\u1ea7u t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n.<\/li>\n
      4. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u1ef1 quy\u1ebft \u0111\u1ecbnh bi\u1ec7n ph\u00e1p, h\u00ecnh th\u1ee9c, c\u00f4ng ngh\u1ec7 ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed, t\u1ef1 ch\u1ecbu r\u1ee7i ro ph\u00e1t sinh (n\u1ebfu c\u00f3) v\u00e0 ph\u1ea3i \u0111\u00e1p \u1ee9ng t\u1ed1i thi\u1ec3u c\u00e1c y\u00eau c\u1ea7u sau:<\/li>\n
      5. a) C\u00f3 gi\u1ea3i ph\u00e1p, c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c, b\u1ea3o m\u1eadt, an to\u00e0n trong qu\u00e1 tr\u00ecnh thu th\u1eadp, s\u1eed d\u1ee5ng, ki\u1ec3m tra th\u00f4ng tin, d\u1eef li\u1ec7u;<\/li>\n
      6. b) C\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu, c\u1eadp nh\u1eadt, x\u00e1c minh th\u00f4ng tin, d\u1eef li\u1ec7u; c\u00f3 bi\u1ec7n ph\u00e1p ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gi\u1ea3 m\u1ea1o, can thi\u1ec7p, ch\u1ec9nh s\u1eeda l\u00e0m sai l\u1ec7ch th\u00f4ng tin, d\u1eef li\u1ec7u;<\/li>\n
      7. c) C\u00f3 bi\u1ec7n ph\u00e1p theo d\u00f5i, nh\u1eadn d\u1ea1ng, \u0111o l\u01b0\u1eddng v\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro; c\u00f3 ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd r\u1ee7i ro;<\/li>\n
      8. d) Ph\u00e2n c\u00f4ng tr\u00e1ch nhi\u1ec7m c\u1ee5 th\u1ec3 t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn c\u00f3 li\u00ean quan trong ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed v\u00e0 trong vi\u1ec7c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t r\u1ee7i ro.<\/li>\n
      9. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed theo quy \u0111\u1ecbnh t\u1ea1i M\u1ee5c 3 Th\u00f4ng t\u01b0 n\u00e0y. C\u00e1c n\u1ed9i dung kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i M\u1ee5c 3 Th\u00f4ng t\u01b0 n\u00e0y th\u1ef1c hi\u1ec7n theo c\u00e1c quy \u0111\u1ecbnh li\u00ean quan t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y.<\/li>\n<\/ol>\n

        \u0110i\u1ec1u 32b. Nh\u1eadn bi\u1ebft, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng<\/strong><\/b><\/p>\n

          \n
        1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u00f3 gi\u1ea3i ph\u00e1p, c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt \u0111\u1ec3 nh\u1eadn bi\u1ebft v\u00e0 x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng ph\u1ee5c v\u1ee5 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed; ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 r\u1ee7i ro ph\u00e1t sinh (n\u1ebfu c\u00f3) v\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u1ed1i thi\u1ec3u c\u00e1c y\u00eau c\u1ea7u sau:<\/li>\n
        2. a) \u0110\u1ea3m b\u1ea3o s\u1ef1 kh\u1edbp \u0111\u00fang gi\u1eefa th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng, d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc c\u1ee7a kh\u00e1ch h\u00e0ng (l\u00e0 c\u00e1c y\u1ebfu t\u1ed1, \u0111\u1eb7c \u0111i\u1ec3m sinh h\u1ecdc g\u1eafn li\u1ec1n v\u1edbi kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u1ecbnh danh, kh\u00f3 l\u00e0m gi\u1ea3, c\u00f3 t\u1ef7 l\u1ec7 tr\u00f9ng nhau th\u1ea5p nh\u01b0 v\u00e2n tay, khu\u00f4n m\u1eb7t, m\u1ed1ng m\u1eaft, gi\u1ecdng n\u00f3i v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 sinh tr\u1eafc h\u1ecdc kh\u00e1c) v\u1edbi c\u00e1c th\u00f4ng tin, y\u1ebfu t\u1ed1 sinh tr\u1eafc h\u1ecdc t\u01b0\u01a1ng \u1ee9ng tr\u00ean c\u00e1c t\u00e0i li\u1ec7u, d\u1eef li\u1ec7u c\u1ea7n thi\u1ebft nh\u1eb1m nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, theo y\u00eau c\u1ea7u c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c v\u1edbi d\u1eef li\u1ec7u \u0111\u1ecbnh danh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c b\u1edfi c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n ho\u1eb7c v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 ho\u1eb7c b\u1edfi t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u1ecbnh danh v\u00e0 x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed ho\u1eb7c b\u1edfi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c;<\/li>\n
        3. b) X\u00e2y d\u1ef1ng quy tr\u00ecnh qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, trong \u0111\u00f3 c\u00f3 bi\u1ec7n ph\u00e1p ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi m\u1ea1o danh, can thi\u1ec7p, ch\u1ec9nh s\u1eeda, l\u00e0m sai l\u1ec7ch th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh cho vay; c\u00f3 bi\u1ec7n ph\u00e1p \u0111\u1ec3 ki\u1ec3m tra, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed l\u00e0 kh\u00e1ch h\u00e0ng vay v\u1ed1n; c\u00f3 bi\u1ec7n ph\u00e1p k\u1ef9 thu\u1eadt \u0111\u1ec3 x\u00e1c nh\u1eadn kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh danh \u0111\u1ed3ng \u00fd v\u1edbi th\u1ecfa thu\u1eadn cho vay. Quy tr\u00ecnh qu\u1ea3n l\u00fd, ki\u1ec3m so\u00e1t r\u1ee7i ro ph\u1ea3i th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c r\u00e0 so\u00e1t, ho\u00e0n thi\u1ec7n d\u1ef1a tr\u00ean nh\u1eefng th\u00f4ng tin, d\u1eef li\u1ec7u c\u1eadp nh\u1eadt;<\/li>\n
        4. c) L\u01b0u tr\u1eef, b\u1ea3o qu\u1ea3n \u0111\u1ea7y \u0111\u1ee7, chi ti\u1ebft th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng, d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc c\u1ee7a kh\u00e1ch h\u00e0ng; \u00e2m thanh, h\u00ecnh \u1ea3nh, b\u1ea3n ghi h\u00ecnh, ghi \u00e2m; s\u1ed1 \u0111i\u1ec7n tho\u1ea1i th\u1ef1c hi\u1ec7n giao d\u1ecbch; nh\u1eadt k\u00fd giao d\u1ecbch trong qu\u00e1 tr\u00ecnh cho vay.<\/li>\n
        5. Vi\u1ec7c nh\u1eadn bi\u1ebft, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, l\u1ea7n \u0111\u1ea7u thi\u1ebft l\u1eadp m\u1ed1i quan h\u1ec7 t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, \u0111\u00e3 thi\u00eat l\u1eadp m\u1ed1i quan h\u1ec7 t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ho\u00e0n th\u00e0nh vi\u1ec7c nh\u1eadn bi\u1ebft, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p, h\u00ecnh th\u1ee9c, c\u00f4ng ngh\u1ec7 \u0111\u1ec3 x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng ph\u1ee5c v\u1ee5 cho vay b\u1eb1ng ph\u01b0ong ti\u1ec7n \u0111i\u1ec7n t\u1eed \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c th\u00f4ng tin \u0111\u00e3 bi\u1ebft v\u1ec1 kh\u00e1ch h\u00e0ng.<\/li>\n<\/ol>\n

          \u0110i\u1ec1u 32c. D\u01b0 n\u1ef1 cho vay<\/strong><\/b><\/p>\n

          D\u01b0 n\u1ee3 cho vay \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng v\u00e0 \u0111\u01b0\u1ee3c nh\u1eadn bi\u1ebft, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 32b Th\u00f4ng t\u01b0 n\u00e0y kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 100.000.000 (m\u1ed9t tr\u0103m tri\u1ec7u) \u0111\u1ed3ng Vi\u1ec7t Nam t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

          \u0110i\u1ec1u 32d. H\u1ed3 s\u01a1 \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n<\/strong><\/b><\/p>\n

          Khi c\u00f3 nhu c\u1ea7u vay v\u1ed1n, kh\u00e1ch h\u00e0ng ph\u1ea3i g\u1eedi cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00e1c t\u00e0i li\u1ec7u, d\u1eef li\u1ec7u ch\u1ee9ng minh \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 7 Th\u00f4ng t\u01b0 n\u00e0y v\u00e0 c\u00e1c t\u00e0i li\u1ec7u, d\u1eef li\u1ec7u kh\u00e1c theo h\u01b0\u1edbng d\u1eabn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

          \u0110i\u1ec1u 32\u0111. Th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/strong><\/b><\/p>\n

          T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u1ed5 ch\u1ee9c x\u00e9t duy\u1ec7t cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed ph\u1ea3i \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn x\u00e2y d\u1ef1ng, thi\u1ebft l\u1eadp v\u00e0 v\u1eadn h\u00e0nh h\u1ec7 th\u1ed1ng th\u00f4ng tin ph\u1ee5c, v\u1ee5 kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay. Tr\u01b0\u1eddng h\u1ee3p c\u00f3 r\u1ee7i ro ph\u00e1t sinh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi c\u00e1c v\u1ea5n \u0111\u1ec1, r\u1ee7i ro ph\u00e1t sinh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3, an to\u00e0n trong vi\u1ec7c t\u1ed5 ch\u1ee9c x\u00e9t duy\u1ec7t cho vay b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

          \u0110i\u1ec1u 32e. Th\u1ecfa thu\u1eadn cho vay<\/strong><\/b><\/p>\n

          Th\u1ecfa thu\u1eadn cho vay \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh v\u0103n b\u1ea3n, tr\u01b0\u1eddng h\u1ee3p l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch \u0111i\u1ec7n t\u1eed v\u00e0 ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u c\u00e1c n\u1ed9i dung quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 23 Th\u00f4ng t\u01b0 n\u00e0y.<\/p>\n

          \u0110i\u1ec1u 32g. L\u01b0u gi\u1eef h\u1ed3 s\u01a1 cho vay<\/strong><\/b><\/p>\n

            \n
          1. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1eadp h\u1ed3 s\u01a1 cho vay d\u01b0\u1edbi d\u1ea1ng th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 l\u01b0u tr\u1eef, ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch \u0111i\u1ec7n t\u1eed v\u00e0 ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan, bao g\u1ed3m:<\/li>\n
          2. a) Th\u1ecfa thu\u1eadn cho vay;<\/li>\n
          3. b) B\u00e1o c\u00e1o th\u1ef1c tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng;<\/li>\n
          4. c) Quy\u1ebft \u0111\u1ecbnh cho vay c\u00f3 ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed c\u1ee7a ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n; tr\u01b0\u1eddng h\u1ee3p quy\u1ebft \u0111\u1ecbnh t\u1eadp th\u1ec3, ph\u1ea3i c\u00f3 bi\u00ean b\u1ea3n ghi r\u00f5 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u00f4ng qua;<\/li>\n
          5. d) Th\u00f4ng tin, d\u1eef li\u1ec7u nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng (n\u1ebfu c\u00f3); th\u00f4ng tin, d\u1eef li\u1ec7u ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng kho\u1ea3n vay li\u00ean quan \u0111\u1ebfn th\u1ecfa thu\u1eadn cho vay theo h\u01b0\u1edbng d\u1eabn c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/li>\n
          6. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i l\u01b0u gi\u1eef h\u1ed3 s\u01a1 cho vay; th\u1eddi h\u1ea1n l\u01b0u gi\u1eef h\u1ed3 s\u01a1 cho vay th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/li>\n<\/ol>\n

            \u0110i\u1ec1u 32h. Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n cho vay<\/strong><\/b><\/p>\n

            T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u1ec3 gi\u1ea3i ng\u00e2n v\u1ed1n cho vay theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i ng\u00e2n v\u1ed1n cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n vay v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng v\u00e0 \u0111\u01b0\u1ee3c nh\u1eadn bi\u1ebft, x\u00e1c minh th\u00f4ng tin nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 32b Th\u00f4ng t\u01b0 n\u00e0y, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh vi\u1ec7c gi\u1ea3i ng\u00e2n v\u1ed1n cho vay v\u00e0o t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111\u1ec3 kh\u00e1ch h\u00e0ng thanh to\u00e1n, chi tr\u1ea3 cho b\u00ean th\u1ee5 h\u01b0\u1edfng theo m\u1ee5c \u0111\u00edch vay v\u1ed1n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng m\u00e0 kh\u00e1ch h\u00e0ng cam k\u1ebft.\u201d.<\/p>\n

            \u0110i\u1ec1u 2. B\u00e3i b\u1ecf\u00a0kho\u1ea3n 5 \u0110i\u1ec1u 7\u00a0c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1\u00a039\/2016\/TT-NHNN<\/span>.<\/strong><\/p>\n

            \u0110i\u1ec1u 3. Tr\u00e1ch nhi\u1ec7m t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n<\/strong>
            Ch\u00e1nh V\u0103n ph\u00f2ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Th\u1ee7 tr\u01b0\u1edfng c\u00e1c \u0111\u01a1n v\u1ecb thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 tr\u00e1ch nhi\u1ec7m t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n Th\u00f4ng t\u01b0 n\u00e0y.<\/p>\n

            \u0110i\u1ec1u 4. \u0110i\u1ec1u kho\u1ea3n thi h\u00e0nh<\/strong><\/p>\n

              \n
            1. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb ng\u00e0y 01 th\u00e1ng 9 n\u0103m 2023<\/li>\n
            2. \u0110\u1ed1i v\u1edbi c\u00e1c th\u1ecfa thu\u1eadn cho vay, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft tr\u01b0\u1edbc ng\u00e0y Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n c\u00e1c n\u1ed9i dung trong th\u1ecfa thu\u1eadn cho vay, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd k\u1ebft ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd k\u1ebft th\u1ecfa thu\u1eadn cho vay, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00f3. Tr\u01b0\u1eddng h\u1ee3p tho\u1ea3 thu\u1eadn s\u1eeda \u0111\u1ed5i, b\u1ed5 sung th\u1ecfa thu\u1eadn cho vay, h\u1ee3p \u0111\u1ed3ng t\u00edn dung, n\u1ed9i dung s\u1eeda \u0111\u1ed5i, b\u1ed5 sung ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y.\/.<\/li>\n<\/ol>\n\n\n\n
              \n

              N\u01a1i nh\u1eadn:<\/em><\/strong>
              \u2013 Nh\u01b0 \u0110i\u1ec1u 3;
              \u2013 Ban L\u00e3nh \u0111\u1ea1o NHNN;
              \u2013 V\u0103n ph\u00f2ng Ch\u00ednh ph\u1ee7;
              \u2013 B\u1ed9 T\u01b0 ph\u00e1p (\u0111\u1ec3 ki\u1ec3m tra);
              \u2013 C\u00f4ng b\u00e1o;
              \u2013 C\u1ed5ng TT\u0110T c\u1ee7a NHNN;
              \u2013 L\u01b0u: VP, V\u1ee5 PC, V\u1ee5 CSTT.<\/p>\n<\/td>\n

              		\n

              KT. TH\u1ed0NG \u0110\u1ed0C<\/strong>
              PH\u00d3 TH\u1ed0NG \u0110\u1ed0C<\/strong><\/p>\n

              \u00a0<\/strong><\/p>\n

              \u00a0<\/strong><\/p>\n


              Ph\u1ea1m Thanh H\u00e0<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

              \u00bb T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

              Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1\u00a039\/2016\/TT\u2013NHNN ng\u00e0y 30 th\u00e1ng 12 n\u0103m 2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi\u00a0nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/38793"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=38793"}],"version-history":[{"count":1,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/38793\/revisions"}],"predecessor-version":[{"id":38794,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/38793\/revisions\/38794"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=38793"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=38793"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=38793"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}