NGAN HANG NHA NIX 1C
CONG HOA XA HQI CHU NGHIA VIET NAM
VIET NAM
D(Ic 14p - Tv do - Hanh phtic
SO:DA /CT-NHNN
Ha
Noi, ngaySi thcing 01 nam 2013
CHI
THI
Ve to
chirc thvc hign chinh sach tien to va dam boo
hog Ong ngfin hang an toan, hign qua nam 2013
Thuc hign Nghi quy6t so 01/NQ-CP ngay 7/01/2013 ve nhitng giai phap
chu
yeu chi dao dieu hanh thuc hien ke hoach phat trien kinh
to
- xa
hOi va du
toan ngan sach nha mr6c nam 2013 (Nghi quye't so 01) va Nghi quy& so 02/NQ-
CP ngay 7/01/2013 ve mot so giai phap thao ga kho
,
kha'n cho san xudt kinh
doanh, trg thi truong, giai quy6t ng
,
xdu (Nghi quyet 02) cila Chinh
Thong doe Ngan hang Nha nuac yeu eau cac don vi true thuc Ngan hang Nha
mr6c Viet Nam va cac to chirc tin dung, chi nhanh ngan hang nu6c ngoai (sau
day goi la to chic tin dung) thkrc h*
-
1 tot cac giai phap diet' hanh chinh sach tien
to
va hoat dOng ngan hang nam 2013 nham kiem die lam phat, on dinh kinh to vi
mo, iliac, go. kilo khan cho san xuat kinh doanh, ho trg thi truong, gop phan tang
truong kinh to 6 mirc hop 15T nhu sau:
I. MVC TIEU VA NHIEM VV TONG QUAT
1.
DiL hanh chinh sach tien t" chat che, than trong, linh hoat, gdn k6t chat
che v6i chinh sach tai khoa nham kiem soot lam phat thap hon, thiic day tang
truong kinh to cao han nam 2012, tang cuong On dinh kinh to vi mo, sir dung
chi' dung, linh hoat cac ding cu chinh sach tien te
,
boo dam t8c d(3 tang truong
tin dung, tong phucmg tien thanh toan hop ly
,
dap img yeu
,
cau
,
thanh toan
cua
nen kinh te; dieu hanh lai suatva tST
phii hop vai
,
dien bin tier' t" va cac can
doi vi mo, dac
din Men lam phat. Tn.roc mat, dinh huong tong phuang
tien
thanh toan tang khoang 14-16%, tin dung tang khoang 12%
,
va can cu vao
din Men, tinh hinh thuc de dieu chinh hop. Trien khai dong
,
bU cac giai
phap ve quan 15T, thanh tra, giam sat, hoan thin the che de cimg co trot tu, kST
cuang ten thi truong tien te
,
tin dung, ngoai h8i, tST gia, thi truong yang, boo
dam hoat dOng he thong cac to chirc tin dung an than, tuan thu theo quy dinh
cua
phap luat ve tien to va hoat &ling ngan hang.
2.
,
Tri6n
khai guy&
cac giai phap nhamthao g
.
"6 kho khan cho hoat dOng
san xuat kinh doanh, ho trg thi tn.remg, giai quyet nog xau theo chi dao cua Chinh
phu
tai Nghi quyet so 02.
3. Tap
trung tri6n khai dOng 1:10, guy& 1.* cac giai phap ve tai co cdu
he
thong ngan hang theo chi dao cua Thil Wang Chinh phit tai Quyet dinh so
254/QD-TTg ngay 1/3/2012 va Ke hoach hanh &Ong cua nganh Ngan hang tri&
khai De an ca cdu lai he thong to chirc tin dung giai doan 2011-2015.
1
II. DOI VOI CAC DON VI TAI TRU SOS CHiNH NGAN HANG NHA NU'OC VIET
NAM
Tham mtru cho Theing d'Cic Ngan hang Nha nuoc va chu dOng trien khai cac
giai
phap theo chdc nang, nhiem vu cua cac don vi, trong do tap trung vao cac
nhiem vu trong tam:
1. Khan truing hoan thanh viec ban hanh theo thim quyen, trinh Chinh
phu
va Thu tuong Chinh phi.' ban hanh cac van ban quy pham phap luat huOng dan
cac quy dinh cua Luat Ngan hang
‘
Nha nuoc Viet Nam va Luat Cac
t6
chirc tin
dung nam 2010, Luat Bao hiem tien giri, Lust Phang, chong rira tien nam 2012;
ra soat, sira doi, bo sung cac the chinh sach tin dung, cac quy dinh an toan
hoat dOng tin dung nham hoar' thien co s& phap ly cho dieu hanh chinh sach tien
to
va hoat Ong ngan hang an toan, hieu qua, dap Ung yen cau thgc tien phat trien
kinh te hOi va phi' hop voi chuan muc quoc te. Nang cao chat luting va day
nhanh tien dO xay dung cac van ban quy pham phap luat da clang ky nhung chua
hoan thanh trong nam 2012, dong thoi ban hanh dung then han cac van ban quy
pham phap luat theo chuong trinh nam 2013.
2.
Barn sat din bien kinh
to vi
mo, den te de chit &Ong dieu hanh cac cong
cu chinh sach tier' to nham on dinh thi truing tien te, dam bao thanh khoan
cua
cac to chirc
,
tin dung, dac bit trong dip Tet Nguyen dan Quy Ty nam 2013,
kiem soat tic di) tang tong pluming tien thanh toan va tang truing tin dung theo
dinh twang de ra:
a)
Dieu hanh linh hoat nghiep vu thi truing mo
.
voi kh6i luting va lai suit
hop lY phn hop voi tinh hinh von kha dung dm cac to chirc tin dung,
suit thi
truing lien ngan hang va muc lieu
chinh sach tien te.
b) Thgc
,
hien cho vay tai cap von
kh6i luting,
suit va thoi han hop lY
doi cac to chirc tin dung de ho trq thanh khodn, Oat trial kinh te theo cac
linh vgc uu tier' cua Chinh phu
,
ht; trg viec giai quyet not xdu va thgc hien co
cau lai he thong cac to chirc tin dung.
c)
Dieu hanh cac muc
suit phi). hop voi din bien lam phat, thi truing
tien te, kiem soat dieu fiat lai suit thi truemg i muc hop lY nham dam bao kha
nang huy dOng von dm to chirc tin dung, Op phan on dinh thi truing tien to va
thao g6 kilo khan cho hoat dOng san xuat kinh doanh.
3.
Dieu hanh cac giai phap tin dung linh hoat theo huang mi ring tin dung
di doi voi an toan hoat dOng dm to chirc tin dung, phit hop voi muc lieu dieu
hanh chinh sach tien te, ho trg tang truing kinh te eY muc hop 1Y:
a)
Tiep tuc kiem soat tang truing tin dung doi voi cac
t6,clatirc
tin dung de
dam bao ring tin dung phii. hop voi kha nang huy dOng von dm to chirc tin
dung va dinh huOng tin dung ca nam tang khoang 12%, dong th&i voi viec kiem
soat chat luting tin dung va xir lY not xau. Thong bao chi tieu tang truing tin
dung doi voi cac to chirc tin dung phi' hop voi quy mo, chat luting tin dung, kha
rang quan ly thanh khoan, kha nang van tri dieu hanh oh to cht'rc tin dung va
chu truing cua Chinh phu ve than go
.
kilo khan cho hoat dOng san xuat kinh
doanh, ho trg thi truing.
2
b)
Tip tuc thuc hien cac giai phap ho trg cac
t6
chirc tin dung ma r6ng tin
dung co hie'u
,
qua, phuc vu cho boat dOng san xuat kinh doanh, nhu cau von lieu
dung thiet yeu va bao dam an sinh x5 hOi; chuyen dich co cau tin dung theo
twang uu tien tap trung von 116 trg cho vay linh vuc nong nghiep, nong thon,
xuat khau, ding nghiep h6 trg, doanh nghi0 nho va vixa
,
doanh nghiep img
dung ding nghe cao, doanh nghiep sir dung nhieu lao d6ng, cac du an hieu qua;
kiem soat chat the boat d6ng cho vay bang ngoai t" phu hop vai chu trucmg
cua
Chinh phu ye han the do la h6a trong nen kinh te, ,
phan
dinh tST gia va thi
truang ngoai hoi.
4. Thuc hien guy& lit cac giai phap thao go' kilo khan cho san xuat kinh
doanh, 116 trq thi truang, giai quyet ng xau theo chn truong cua Chinh phi). tai
Nghi quyet s6 02:
a)
Tip tuc chi dao cac t6 chtirc tin dung thuc hien cac giai phap tin dung,
lai
suat da trien khai trong nam 2012 de than g'a khO khan cho san xuat kinh
doanh, 116 trq thi truang; chuOn dich co cau tin dung theo huang tru
,
tien tap
trung von 116 trq cho vay linh vuc 'long nghiep, nong thon, xuat khau, cong
nghiep 116 trq, doanh nghiep nhe va vita, doanh nghiep img dung ding ngh' cao.
b) Phi hop chat the vai cac b6, nganh c6 lien quan va chinh quOn dia
phuong danh gia tinh hinh san xuat kinh doanh, dac biet la kha Wang tieu thu san
pham, tinh hinh san pham ton kho cua cac linh vuc nhu nong nghiep, cong
nghiep, xay dung..., ding nhu cac kilo khan vuOng mac trong tiep can nguon
von tin dung ngan hang, tren co sa do trien khai cac giai phap ve
,
tin dung,
tai
suat phi." hop nham did() got kh6 khan cho cac doanh nghiep; tao dieu kin thuan
lgi de khuyen khich dau tu, phat trien san xuat kith doanh doi vai cac linh vuc,
san pham c6 lqi the trong linh vuc nong nghiep, dich vu.
c)
Trong quy 1/2013, ph6i
,
hop vai
Xay dung ban hanh van ban Inning
dan cho vay doi cac doi tugng mua nha a xd h6i, doanh nghiep chuyen
doi
cong nang dm du an dau tu sang du an nha a xa h6i phi' hop vai chi dao
cua
Chinh phu tai Nghi guy& so 02.
d)
Danh
,
m6t phan luting
tin
cung img de tai cap von vai
suat va thai
han hop 15/ de 116 trq cac ngan hang thuong mai dm Nha nuoc cho vay doi vai
cac doi tugng mua nha a xa h6i, doanh nghi0 chuyen doi cong Wang dm du an
dau tu sang du an nha a xa h6i theo huang dan cua Ngan hang Nha mac Vi't
Nam va B6 Xay dtmg.
d)
Tie'p tuc chi dao, huang dan cac
t6
chirc tin dung trien khai cac chucmg
trinh, chinh sach tin dung theo chi dao cua Chinh phi]. va Thu Wang Chinh
nhu chinh sach tin dung d6i vai linh vuc nong nghiep, nong thon; chinh sach
,
cho vay
vai chan nuoi ca tra; chinh sach 116 trg nham giam ton that sau thu
hoach doi vai !long san, thily san; cho vay thu mua, tam frit luting thuc, ca
phe...; trien khai co hie‘u qua va kip thai cac chucmg trinh, chinh sach tin dung
khac theo chi dao cua Chinh phu va Thu Wong Chinh phu trong nam 2013; xir
ly
kip thai cac kho khan, vuang mac phat sinh de tao di&T kien thuan lgi cho cac to
chirc tin dung ma r6ng tin dung c6 hie:u qua &I vai cac nganh, linh vuc nay.
e)
Thtrc hie'n ra sok, &nil gia lai no xau; tin hanh phan loai cac khoan no
3
xau theo loai hinh doanh nghiep, to chuc tin dung, cl6i Wang vay 1/6n va theo
cac loai tai san bao dam, no xau trong bat dOng san, ng xay dung co ban...va
danh gia thuc trang tai san dam bao, tinh trang phap 19, gia tri thi truang, kha
nang thanh khoan cua cac tai san nay de trien khai cac giai phap xir 19 pha hop
vai tirng loai hinh no xau.
g) Hoan thien 1E31&' an xir 19 no xau caa he thong cac to chirc tin dung va D'e
an thanh lap Cong ty quan 19 tai san Viet Nam de bao cao BO Chinh tri, tren co
soy kien chi dao cua BO Chinh tri, hoan thien va trinh Thu twang Chinh phu phe
duyet, trinh Chinh phu xem xet ban hanh Nghi dinh ve to chirc va hoat &Ong cUa
Cong ty quart 19 tai san Viet Nam va cac van ban huang clan trier' khai Nghi
dinh; quyet
,
liet trien khai cac nh6m giai phap trong De an xir 19 ng xau
he
thong cac to chuc tin dung va De an thanh
Cong ty Tian 19 tai san Viet Nam
nham kiwi thong nguon von tin dung ngan hang va nang cao hieu qua von dau
tu dm nen kinh te.
5. Diti hanh t9 gia linh hoat theo tin hieu thitruang, dam bao gia. tri d6ng
tien Viet Nam; thuc hien cac bien phap dong 1)0 , cai thien can can thanh toan
quoc te va tang du
-
Ira ngoai hoi Nha nuac:
a)
Ra soat va hoan thien he thtmg
,
van ban phap luat
es
quan 19 ngoai h6i d
tao kien thuan lgi thu hoi, von dau tu nuac ngoai, kiem soat viec
sfr dung the thanh toan quoc too nuac ngoai va tao co so phap 19 cho cac ca
nhan, to chdc thuc hien, g6p phan on dinh thi truerng ngoai hoi trong nuac.
b)
Phi hop v6i BO Tai chinh va cac co quan lien quan tang cuang kiem
tra, giam sat va co bien phap quail 19 chat the cac luong von vao-ra, dac biet la
von dau tu gian tip nuac ngoai, phuc vu ding tac quail 19 dieu hanh thi truerng
ngoai hoi,
ty
gia.
c)
Ph6i hop v6i cac BO, nganh va ty ban nhan dan tinh, thanh ph6 true
thuc trung trong tang cuerng quan 19, kiem tra, giam sat thi truang ngoai te,
yang va xir 19 nghiem cac hanh vi vi pham, kien quyet khac phuc dan tinh trang
do la h6a.
6. Khan truang hoar' thien co ch6 quail 19, On dinh thi truang yang, dam
bao gia yang trong nuac sat \Rai gia yang quoc te:
a)
,
DAy nhanh tier' dO gia cong yang mieng SJC yang mieng thuong hieu
khae de h'6 trg cho cac to chuc tin dung co nguon yang chi tra cho cac khoan huy
dOng, gift WO den han.
b)
Ti chirc san xuat yang mieng, xuat kh'au yang nguyen lieu, nhap khau
yang nguyen lieu de san xuat yang mieng; cap phep kinh doanh mua ban yang
mieng cho cac to chdc tin dung, doanh nghiep dap ung dieu kien, het so va thu
tuc.
c)
Theo d6i, giam sat chat the qua trinh tat toan s6" du huy &Ong va cho vay
von bang yang cua cac to chdc tin dung; ap dung cac bien phap hos trg can thiet
de qua trinh tat toan nay dugc thuc hien dung tien dO va quy dinh cua Ngan
hang Nha nuac Viet Nam.
4
d)
Trien khai thuc hien co. the mua ban yang dm Ngan hang Nha nu&
Viet Nam nham muc tieu kien tao va dam bao su luu thong dm thi truang. Theo
doi sat dien bien thi truang yang de xir lY kip then, tilde, gty cac kho khan, wrong
mac cua cac
to
chirc tin dung, doanh nghiep duac phep kinh doanh mua, ban
yang.
d)
Kiem tra, thanh tra, giam sat hog &Ong kinh doanh yang cua cac to chirc
tin dung, doanh nghiep duac cap phep.
7.
Tang cuang cong the kiem tra, thanh tra, giam sat thi truang tien to va
hog dOng ngan hang, kiem soat chat the chat luang hog Ong cua cac to chirc
tin dung de ca bien phap xir ly nghiem, kip thai nhitng sai pham va cac van de
Oat sinh, dam bao an toan he thong, tranh rui ro va giam rig xau:
a)
Tang cuang kiem tra, thanh tra doi vai cac to chirc tin dung, trong do tap
trung vao cac nOi dung: thuc trong tai chinh,
hurl; chuyen nhuang co phan,
von gop; quan tri, dieu hanh; kinh doanh ngoai te, yang; huy dOng von; cap tin
dung; phan loaf nu
,
mire trich, phucmg phap trich lap du phong rui ro va viec sir
dung du phong de xir ly rui ro; chap hanh quy dinh an toan host dOng ngan
hang, quy dinh ve
suat; hog dOng phOng, chong rira tien va danh gia cac
rui
ro trong yeti. Phat hien, xac dinh ro trach nhiem ca nhan va xir ly nghiem cac
hanh vi gian lan, tieu cut, vi pham phap luat, can tra qua trinh tai co cau, bao
cao thong tin, so lieu khong trung thuc.
b)
Thuc hien ket hop thanh tra, giam sat viec chip hanh
,
chinh sach, phap
luat ye tien to va ngan hang v6i thanh tra, giam sat
ro cira doi Wang thanh tra,
giam sat ngan hang de phat hien, canh bao son rui ro cira timg to chirc tin dung
va toan he thong. Phi hop vai cac Ngan hang Nha nu& chi nhanh tinh, thanh
pith tang cuang giam sat xir lY sau thanh tra doi vai to chirc tin dung tren pham vi
toan he thong. Plied hop chat the vai cac ca quan chirc nang trong viec quan 1Y,
thanh tra, giam sat cac to chirc tin dung va tang cuang dau tranh, phOng ngira,
ngan chan, xir lY cac hanh vi vi pham phap luat, tOi pham trong nganh Ngan
hang.
c)
Tiep tuc kien toan dOi mai mo hinh to chirc va hog Ong cua Thanh tra,
giam sat ngan hang; deli mai not dung, phuong phap thanh tra, giam sat phir hop
vai yeti cau thuc tien. Xay dung va dua vao van hanh he thong chi
-
Lieu giam sat
mai va quy trinh giam sat, tiep tuc hoan thien he thong ca sa du lieu giam sat, filch
cuc trien khai De an hien
dai
hod deg nghe thong tin trong cong tac thanh tra,
giam sat ngan hang.
d)
Quan lY chat the viec thanh lap mai cac
t6
chirc tin dung va ma rOng
mang luai dm to chirc tin dung; han the
rOng mang luai dm to chirc tin
dung
,
6 cac khu vtrc do thi; chi cho phep ma chi nhanh, phong giao dich doi \Teri
cac to chirc tin dung ca kha nang quan tri tot, hog &Ong co hieu qua, chap hanh
nghiem chinh cac quy dinh cua phap luat va c6 nhu cau ma chi nhanh tai cac dia
ban thuc su ca nhu cau ve dich vu ngan hang; khong cho phep, tham
,
chi thu hoi
giay phep chi nhanh, phOng giao dich
cac chirc tin dung co nhieu yeu kern
ve quan tri, vi pham cac quy dinh an toan va data nhang dia diem 'thong mang
5