NGANHANGNHANUOCCONGHOAX風
olcHiNGHhVIETNAM
VIETNAMDoclap― Tvdo― Hlnhphic
S6多θ
/2014/「T―
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θ
THONGT」
liph6ihgpV NganhangPhittri6n
biolinhchodoanhnghiepnh6vavira
lanhbanhanhkさ mtheoQuytdinhs6
03/2011/QD―
gngay10thing01nう m201lciaThituttngChinhph6
Cとει
rハ
gハa″"c″ι 6/2θθ/2″ 2塑6
r力
g64a″
θ
Cttο
′
イσ
ο
gsび
7/2θ
02″
2′
6ル´
g6″
θ
Cdn ct Nghi dinh td |SO.ZOIS.UO-CP.ngdy lt thdng ll.ndm 2013 cia
Chinh phil quy dinh chuc ndng, nhiQm vu, quy€n hqn vd co cdu t6 ch*c cila Ngdn
a″gハa″ /iθ rNα
Cこε
Sろ 56/2θθ9リ
CP4グ d′g6″αθ9οαCカ
"ッι
σ
g泥
dο α
nghiф aツЙα
Cttιgりεralれθ3/2θ /2D― ng″
θrヵ
α ο
gC力
"力
εbα
a″
ιοαιοοα
gみ
δνa
α
qノ 6″
a慇
g″,夕
θ
cあ
rF″
ιcz"′
cⅣ
a″gMa″
r7va″ αa′
g″
σ
ο
a″gttИ"g″
δ
N」n″
gP力dr″7′rハb″
ο
gッ
7み
εσι
´
b′ο励みιοα
4g力
δaッ
θ
ο
9″
οaο α″力a′ 2り
θ3/2θ /2D― r8οα
gCみ
ChlrcngI
QUYDINHCHUNG
Diё ul.Phamvidiさ uchinh
ThOngttrnayhtringdancicnganhangthtrυ llglnaiph6ihoPvdiNganhang
tif庶
:喘
l龍:鴬
::
l■ibanhtthkё mthcoQuyetdinhs603/2011/QD―TTgngay10th缶g01nam
201lciaThittr gChinhphi(saudayg。 1laQuyChebぉ lanh)
Ký bởi: Cổng Thông tin điện tử Chính phủ
Email: thongtinchinhphu@chinhphu.vn
Cơ quan: Văn phòng Chính phủ
Thời gian ký: 23.10.2014 09:06:08 +07:00
Diёu2.D6ittFCrngipdlng
l.Ng缶lhangthuυ l.gmaiNhalu,ngtthangthucngmaiC6phan,ng缶
hangliendoanh,nganhang100%v6nntr6cngoal,chinhanhnganhangntroc
ngOaihO● dongtaiVietNaFn(Saud〜 gollabenchovay)
2.Ccdoanhnghieplad6ittrongduocNgtthangPhittrienba。 lanhvay
v6nthuOcdOanhnghiepnh6vavira(tttrdOanhnghiepsieunh6)theoquydinhtai
Nghidinh56/2009/ND‐ CPng〜 30thang6nam2009ctaChinhphivetrogi6p
phattriendOanhnghiepnh6vavta(saud〜 gollakhiChhang).
3.Nganha,gPhittrionvacictochic,cinhanc61ienquantrongqutanh
th、´hienQuychebぉ 1計.
Diё u3。 NguyOnticchOvay
l.Dlrinsanxu△ tkinhdoanhduocxcmx6tchovayc6baola山 9iaNgan
hangPhittrienladvanthuocnganh,linhvvcquydinhtoikhOan2Dieu3Quy
cheba。 lanh.
2.Benchovayxemx6t,quyetdinhchovaycacdvinctakhお hhangdlroc
NganhangPhittri6nba01anhtheoquydinhphipluathienhanhvё chovayCtat6
chictindungdOiV6ikhichhang,ccquydinhtalTh6ngtlrnayvacacquydinh
phapluatc61ienquan.
ChtrongII
QUYDINHCUTHE
Diさu4.Th6athuanph6ihγp
1.BOnchovayvaNganhangPhattriёnc6th6athuttbttgvhbanvさ viec
phOihopthvchienchovayc6blolanhcilNganhangPhittrien(saudaygoila
6a■uan′ phahOm6chk′ 簿
Tla鴇
:1△Ilal糧
Trinhtyph6ihopgl● acacbentrongVlc
:考::礼ill蠍
'範
ittLヽ
T:li‖
kシ hantrang,giahanng;thvchiennghiavubaolanh
bandξ Lambttbent誉 11)瞥 116'Vakhachhmgc6th6athuttbttngvttniepnhanvaxil′ taisttbお damtrong
trtF昴ghく
NganhmgPhtttri6nttch6ith hiennghLvvbaol狙 hphth"v6i
quydinhtaiTh6ngtun〜 vacacquydinhciaph■ luac61ienquan.
Diё u5。 ThOngbiochpthuanchovay
lThOngbaochapthuan,hovaylavanbandobenchovayXiclapcho
khachhangthongbovOvieCChapthuanchovayneukhoanvaydlrOcNganhang
Phittrien、 thvchienbaolanh.Th6ngblochapthuanchovaykh6ngc6giatrithay
thehopd6ngtindlngciakhoanvay.
2.NoidungCiath6ngbう ochapthuanchovaylacosQdeNganhangPht
trienkソ hopd6ngbaolanhvaphithanhchingthub△ olanhdoivakhOanvayCta
khachhttg.Cacnodungtが tngb40Chあ thu chovay,h"dさngbお h血 va
Ch血g,hubぉ lamphaith6ng′ nha,tumthiquy nhph htthenhanhhen
quandenchovayVaba。 lanhdoivakhichhang.
chi£ittT,為:犠lttL罷
8譜flttitt」
(gOmV6nchisOhintvO■ vaynganhangvacacnguδ nv6nkhac),t6ngS6tiёn
Chわ thuanchovay(g6ms6tienchovayC6baon山 ciaNgtthttgPhatHё n,s6
:霧;賢i絆:ir肝
'f:1獣
lttfmt翼
?∬
:1乳I釧
khichli:ilililll躍
iLlliilath6ngb4ochapthuanchovay.
ching職:為
rm∬i轟
l轟lttt鷺
hien:
1.K′ hqpd6ngtind"gvakhに hhhaneunoidungciachingthlrbお
lanhphthopv6inoidungvinbanthongb4ochapthuanchovay.
1盤,記1思 I訛
dソ
l魏
F尊
IngOcch品gthtrba。 lanhchoNganhang
PhtttJen.
Diさ u7.Cilingan,H6mtrav6nvayCiakhichhing
f鳥:│き1亀il慧
I鞘
ducccacbenlien9uanlapthmbienba
NganhangPhittrienthuchiennghiavubaol赫 .
Diさ u8.Diさuchinhけ hlntrin%giahlnng
Lttnぬ ovり Кm減
t憲
η
khachhangtぃ eoquydinhCiaphapluatl
h温gPhな trien.
2.Quytrinhthvchienv19cdieuchinhkシ hantran。,glahanngchokhach
hangnhusau:
a)Benchovayc6vanbangiiNganhangPhittri6nvさ phtrcng diёu
chinhkシ hantran。 ,glahannochokhachhang.
b)TrOngthOih韓 07ngけ lamviecketirngaynhanduocv狙 bhctaben
chovay,NganhangPhittrienc6trichnhiemtralむ i、 bangvttnbang伍 benchovay
vさ
ecd6ng′ hOaCkhOngd6ng′ xaphlronghdeuchinhけ h"trang,」 ah響
ngciabenchovay.TrtrOnghOpd6ng′ ,NganhangPhittrienthvchiensttad。 1,
bOsungchingthubaol価 davakhomvayphth"vanodungわ hlrongin
diさ uchinhk,hantrang,giahannociabenchOvay.
c)BenchovaycЫ thvchendeuchnhkシ htttra甲,」ah"noc10khach
httgneunhanduocvう banctaNgtthttgPhtttnenchф thuam宙 ecdieuchinh
kシ hanttang,giahanngvaSiadoicacnoidungtrOngchingthlrbaolanhc61ien
quandenv10cdieuchinhkシ hantrang,glahanngctakhichhang.
Diさ u9.Thrhiennghhvvblolanh
l.NganhangPhattrienc6trichnhiemthvchiennghiavubaolanhdoiv6i
benchOvaytheodingquydinhtaiCh6ngthubaolanhvaquydinhphipluatlien
quandenkhoanba。 lanh.
2.BOnchovayvaNg航
hgPhな t」 etth6athuancuthebttgvttbincた
trlrongh9pNganhttg、 hattriendlr9ctき ch6ithvchiennghiavubaolanhthe。
quydinht,lkhoan4Dieu19QuyCheba01anhtheOnguyentacsau:
a)NganhangPhtttnendwcttchathvc,entombOnghiawbお la油
khibenchovaygiainganmOtphanhOictOanbovonVaykhOngdingmuCdich.
b)Trぬngh"benchovay」 anganvonvaylingmuCdChnhtrngkhOng
Wi魔1維
1オ littI避
W∬Ivay9tttshn血
nwma
khlchhangsidungsairnucdich.
3.Trongthdhan07ngaylamvieck6tき ngaykhomvayd6nhtttrangma
khichhangkh6ngtradtrocnghoiCtrangkh6ngdaydi,dinghand6ivakhoan
vay,benchovayC6trichnhiemxcdinh、 r6nguyennhankh6ngtradtrOcnocia
khich卜ang,4pdungcicbienphttpthЧ hOingtheOquydinhVac6vinbankё m
l::::,S&ポ I』
t窓:盤
VChennghiawbao肺 dacalnk&
hgdantaiTh6ngttrnay.
4.Trongthむ ihan30ngayketき ngaynhandu"vttnbanyeucauthvchien
lttЪ[ly=砒
1撚
T獄8ぶ
i鶴j憮
hienlghiavり baolanhctabenchovaym
tirch6ithimlcnhienduccxemlaNgan
nghlavubaolanhdacamket.
5.TrongthOiha107ngaylanlvieck6tき ngaynhandtrocvttbanttch6i
ciaNganhangPhattrien,benchOvayphaic6vttnbanphanh6ichpthuanhOlc
tti計
c6vttbttph缶 h6igtiNgtthattPhな 廿ien.
Diさ u10。 chuy6ngiaOtaisinbぅ dim
KhinhttduccvttbanctabenchovayChあ thu
ecttch&thvchen
nghiavり baol勧dl,NganhangPhtttrienthvchienxirl′ taiShbaodttciakhich
hangnhtrsau:
tri6ncI:Jよlllil尾:l::計I:l‰Fllllデ1[違I電│:」:[│〕1:[ili
chobenchovaytheoTh6athua■ phoih,
nay.BenchovayhOantrabang。9chingthlrbaolanhchoNganhangPhattHen
saukhiNganhangPhattrienchuyengiactaisanbaodam.
2.■inghopttchOithlrchieninotphmnghiavuba。 lanh:
a)Dav phttnまiawbお la血 duOcchゎ !huttNganhttgPhな 廿ien
thvchienngayViectrangthaychokhachhang(baOg6mg6cvalaituυ llghg).
b)D&vaphttnghhwba01釉kh6ngdu∝ chわ thuan:NgtthangPh奮
tⅢ6nph&h"Vabenchovaythvchen対
shbaodamciakhachhhg.S6
tienthudlroctirvieCX± 1′ iSambaodhsaukhitincた chiphllienquand6n
quitanhxiけ Sanbゃ d柿,seduocthanhtohtheoけ
dunociakhich
hangtalbenba。 lanhOりannodatrathay)VadlrnociakhichhangtaibenchO
VttOhmdun。
tき ch,).Tmttgh"saソ
ihOmtrad〜 dinggoC,hivach
pHphitSinhlにnquandenkhOmvγmasQdenthudtFOCtき
ecltけ shba。
damvanconthiNganhangPhattrienchuyentravaotalkhoantiengticiakhich
hang.
Diさ ull.Phanl。 .ivatrichl,pdり phOngrtiro
Benchovaythvchienphanlooi,trichiapvasidungdvphOngd6x女 1′ rti
rodOiv6icickhomchovaytheoquydinhCiaNgtthangNhanu vietNalnva
quydinhctaphpluatC61ienquan.
Diさ u12.Xtrl′ vipham
l.T6chttc,cinhanviphamquydil」 lCiaTh6ngtlrnay,quydinhciaphip
lu c61ienquan,ぬ ythectinhchat,InicdoViphttsebix● 1′ theOquydinhCta
phapluat.
2.Trongqutrinhchovay,neubenchovayphithienkhchhangvipham
clcth6athuantrongHOpd6ngtindung,Viphamphapluathoicnhandlrccvan
banctaNganhangPhittrienyeucaubelit∫
iき:181t'[1』 l:」mlllt:‖:tl:
tmOchantheOquydinhtaldiemdkhoaコ
vaylaptiCChttd乱 vieCChovayvath
Hopd6ngtindungchidtrccthvchient
nhan,rnicdoviphttVaviecviphttd
hl:l:は:11lI::h[1,tittλ :l霊:liき:lVay9iakhiChhangVaNgtthangPhathOpdOngtindung