
NGANHANGNHANUOCCONGHOAX風 Ⅱ
olcHiNGHhVIETNAM
VIETNAMDoclap― Tvdo― Hlnhphic
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lanhbanhanhkさ mtheoQuytdinhs6
03/2011/QD―質
gngay10thing01nう m201lciaThituttngChinhph6
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QUYDINHCHUNG
Diё ul.Phamvidiさ uchinh
ThOngttrnayhtringdancicnganhangthtrυ llglnaiph6ihoPvdiNganhang
鷲tif庶悧制
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轟
:喘 漁
戦歯l龍:鴬鶴諾
器
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l■ibanhtthkё mthcoQuyetdinhs603/2011/QD―TTgngay10th缶g01nam
201lciaThittr gChinhphi(saudayg。 1laQuyCheb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

Diёu2.D6ittFCrngipdlng
l.Ng缶lhangthuυ l.gmaiNhalu,ngtthangthucngmaiC6phan,ng缶
hangliendoanh,nganhang100%v6nntr6cngoal,chinhanhnganhangntroc
ngOaihO● dongtaiVietNaFn(Saud〜 gollabenchovay)
2.Ccdoanhnghieplad6ittrongduocNgtthangPhittrienba。 lanhvay
v6nthuOcdOanhnghiepnh6vavira(tttrdOanhnghiepsieunh6)theoquydinhtai
Nghidinh56/2009/ND‐ CPng〜 30thang6nam2009ctaChinhphivetrogi6p
phattriendOanhnghiepnh6vavta(saud〜 gollakhiChhang).
3.Nganha,gPhittrionvacictochic,cinhanc61ienquantrongqutanh
th、´hienQuychebぉ 1計ふ.
Diё u3。 NguyOnticchOvay
l.Dlrinsanxu△ tkinhdoanhduocxcmx6tchovayc6baola山 9iaNgan
hangPhittrienladvanthuocnganh,linhvvcquydinhtoikhOan2Dieu3Quy
cheba。 lanh.
2.Benchovayxemx6t,quyetdinhchovaycacdvinctakhお hhangdlroc
NganhangPhittri6nba01anhtheoquydinhphipluathienhanhvё chovayCtat6
chictindungdOiV6ikhichhang,ccquydinhtalTh6ngtlrnayvacacquydinh
phapluatc61ienquan.
ChtrongII
QUYDINHCUTHE
Diさu4.Th6athuanph6ihγp
′1.BOnchovayvaNganhangPhattriёnc6th6athuttbttgvhbanvさ viec
phOihopthvchienchovayc6blolanhcilNganhangPhittrien(saudaygoila
■6a■uan′ phahOm6chk′ 躍簿
鳳Tla鴇∬
■:1△Ilal糧
Trinhtyph6ihopgl● acacbentrongVlc
:考::礼ill蠍ヽ器監∬
乳
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蠅ゞ
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kシ hantrang,giahanng;thvchiennghiavubaolanh
bandξ Lambttbent誉 11)瞥 継116'Vakhachhmgc6th6athuttbttngvttniepnhanvaxil′ taisttbお damtrong
trtF昴ghく
NganhmgPhtttri6nttch6ith hiennghLvvbaol狙 hphth"v6i
quydinhtaiTh6ngtun〜 vacacquydinhciaph■ luac61ienquan.
Diё u5。 ThOngbiochpthuanchovay
lThOngbaochapthuan,hovaylavanbandobenchovayXiclapcho
khachhangthongbovOvieCChapthuanchovayneukhoanvaydlrOcNganhang
Phittrien、 thvchienbaolanh.Th6ngblochapthuanchovaykh6ngc6giatrithay
thehopd6ngtindlngciakhoanvay.
2.NoidungCiath6ngbう ochapthuanchovaylacosQdeNganhangPht
trienkソ hopd6ngbaolanhvaphithanhchingthub△ olanhdoivakhOanvayCta

khachhttg.Cacnodungtが tngb40Chあ thu chovay,h"dさngbお h血 va
Ch血g,hubぉ lamphaith6ng′ nha,tumthiquy nhph htthenhanhhen
quandenchovayVaba。 lanhdoivakhichhang.
黎
chi£鼈ittT,為:犠lttL罷 燎
理
乱8譜聰flttitt」慇
(gOmV6nchisOhintvO■ vaynganhangvacacnguδ nv6nkhac),t6ngS6tiёn
Chわ thuanchovay(g6ms6tienchovayC6baon山 ciaNgtthttgPhatHё n,s6
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∬
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khichli:ilililll躍
iLlliilath6ngb4ochapthuanchovay.
ching職基:為‰
筵
rm∬i轟ふ¶∫
亀
設
l轟譜鋸∫蹴lttt鷺
hien:
1.K′ hqpd6ngtind"gvakhに hhhaneunoidungciachingthlrbお
lanhphthopv6inoidungvinbanthongb4ochapthuanchovay.
器細
1盤,記1思 I訛留
dソ鼈
l魏獄
紺
肥
鳥F尊
IngOcch品gthtrba。 lanhchoNganhang
PhtttJen.
Diさ u7.Cilingan,H6mtrav6nvayCiakhichhing
室
f鳥:│き1亀蒙惰il慧籠不在ピ
魚
輔
毬革
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犠
審
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ducccacbenlien9uanlapthmbienba
NganhangPhittrienthuchiennghiavubaol赫 .
Diさ u8.Diさuchinhけ hlntrin%giahlnng
Lttnぬ ovり Кm減
鰤楓柵t憲智∬
稔轟
よη』
蹴
khachhangtぃ eoquydinhCiaphapluatl
h温gPhな trien.
2.Quytrinhthvchienv19cdieuchinhkシ hantran。,glahanngchokhach
hangnhusau:
a)Benchovayc6vanbangiiNganhangPhittri6nvさ phtrcng diёu
chinhkシ hantran。 ,glahannochokhachhang.

b)TrOngthOih韓 07ngけ lamviecketirngaynhanduocv狙 bhctaben
chovay,NganhangPhittrienc6trichnhiemtralむ i、 bangvttnbang伍 benchovay
vさ 宙
ecd6ng′ hOaCkhOngd6ng′ xaphlronghdeuchinhけ h"trang,」 ah響
ngciabenchovay.TrtrOnghOpd6ng′ ,NganhangPhittrienthvchiensttad。 1,
bOsungchingthubaol価 davakhomvayphth"vanodungわ hlrongin
diさ uchinhk,hantrang,giahannociabenchOvay.
c)BenchovaycЫ thvchendeuchnhkシ htttra甲,」ah"noc10khach
httgneunhanduocvう いbanctaNgtthttgPhtttnenchф thuam宙 ecdieuchinh
kシ hanttang,giahanngvaSiadoicacnoidungtrOngchingthlrbaolanhc61ien
quandenv10cdieuchinhkシ hantrang,glahanngctakhichhang.
Diさ u9.Thrhiennghhvvblolanh
l.NganhangPhattrienc6trichnhiemthvchiennghiavubaolanhdoiv6i
benchOvaytheodingquydinhtaiCh6ngthubaolanhvaquydinhphipluatlien
quandenkhoanba。 lanh.
2.BOnchovayvaNg航 与
hgPhな t」 etth6athuancuthebttgvttbincた
trlrongh9pNganhttg、 hattriendlr9ctき ch6ithvchiennghiavubaolanhthe。
quydinht,lkhoan4Dieu19QuyCheba01anhtheOnguyentacsau:
a)NganhangPhtttnendwcttchathvc,entombOnghiawbお la油
khibenchovaygiainganmOtphanhOictOanbovonVaykhOngdingmuCdich.
b)Trぬngh"benchovay」 anganvonvaylingmuCdChnhtrngkhOng
糖避
躍
Wi魔1維 肌諸
準
麟疑
螺繊税粧
欄
勝1オ ∬littI避魂
W∬驚Ivay9tttshn血 ぬ油金
nwma
khlchhangsidungsairnucdich.
3.Trongthdhan07ngaylamvieck6tき ngaykhomvayd6nhtttrangma
khichhangkh6ngtradtrocnghoiCtrangkh6ngdaydi,dinghand6ivakhoan
vay,benchovayC6trichnhiemxcdinh、 r6nguyennhankh6ngtradtrOcnocia
khich卜ang,4pdungcicbienphttpthЧ hOingtheOquydinhVac6vinbankё m
l::::,S&ポ I』賀
ご
乱t窓肥:盤 ぬ
VChennghiawbao肺 dacalnk&
hgdantaiTh6ngttrnay.
4.Trongthむ ihan30ngayketき ngaynhandu"vttnbanyeucauthvchien
lttЪ[ly=砒嚇栓
岬懲1撚
斃
ぽ
T獄器躙8ぶ
窯i鶴剛硼j憮摯
翼懇蠅職軸織ま
hienlghiavり baolanhctabenchovaym
tirch6ithimlcnhienduccxemlaNgan
nghlavubaolanhdacamket.
5.TrongthOiha107ngaylanlvieck6tき ngaynhandtrocvttbanttch6i
ciaNganhangPhattrien,benchOvayphaic6vttnbanphanh6ichpthuanhOlc

躙覗
熙
二、
鳳
路
格場
。
胤肌:Ψtti計性轟
乳梶
c6vttbttph缶 h6igtiNgtthattPhな 廿ien.
Diさ u10。 chuy6ngiaOtaisinbぅ 。dim
KhinhttduccvttbanctabenchovayChあ thu 宙
ecttch&thvchen
nghiavり baol勧dl,NganhangPhtttrienthvchienxirl′ taiShbaodttciakhich
hangnhtrsau:
tri6ncI:Jよlllil尾∬:l::計I:l‰Fllllデ1[違I電│:」弥:[│〕1:[ili
chobenchovaytheoTh6athua■ phoih,
nay.BenchovayhOantrabang。9chingthlrbaolanhchoNganhangPhattHen
saukhiNganhangPhattrienchuyengiactaisanbaodam.
2.■、inghopttchOithlrchieninotphmnghiavuba。 lanh:
a)Dav phttnまiawbお la血 duOcchゎ !huttNganhttgPhな 廿ien
thvchienngayViectrangthaychokhachhang(baOg6mg6cvalaituυ llghg).
b)D&vaphttnghhwba01釉ぬkh6ngdu∝ chわ thuan:NgtthangPh奮
tⅢ6nph&h"Vabenchovaythvchen対 け
面shbaodamciakhachhhg.S6
tienthudlroctirvieCX± 1′ ぬiSambaodhsaukhitincた chiphllienquand6n
quitanhxiけ 面Sanbゃ d柿,seduocthanhtohtheoけ 蛉
dunociakhich
hangtalbenba。 lanhOりannodatrathay)VadlrnociakhichhangtaibenchO
VttOhmdun。 ●
tき ch,).Tmttgh"saソ 呻
ihOmtrad〜 dinggoC,hivach
pHphitSinhlにnquandenkhOmvγmasQdenthudtFOCtき 宙
ecltけ ぬshba。
damvanconthiNganhangPhattrienchuyentravaotalkhoantiengticiakhich
hang.
Diさ ull.Phanl。 .ivatrichl,pdり phOngrtiro
Benchovaythvchienphanlooi,trichiapvasidungdvphOngd6x女 1′ rti
rodOiv6icickhomchovaytheoquydinhCiaNgtthangNhanu vietNalnva
quydinhctaphpluatC61ienquan.
Diさ u12.Xtrl′ vipham
l.T6chttc,cinhanviphamquydil」 lCiaTh6ngtlrnay,quydinhciaphip
lu c61ienquan,ぬ ythectinhchat,InicdoViphttsebix● 1′ theOquydinhCta
phapluat.
2.Trongqutrinhchovay,neubenchovayphithienkhchhangvipham
clcth6athuantrongHOpd6ngtindung,Viphamphapluathoicnhandlrccvan
banctaNganhangPhittrienyeucaubelit∫
iき議:181t'[1』 l:」mlllt:‖:tl:
tmOchantheOquydinhtaldiemdkhoaコ
vaylaptiCChttd乱 vieCChovayvath
Hopd6ngtindungchidtrccthvchient
nhan,rnicdoviphttVaviecviphttd
hl:l:はヽ:11lI::h[1,tittλ :l霊:liき:lVay9iakhiChhangVaNgtthangPhathOpdOngtindung

