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Nâng cao hiệu quả kiểm tra đối với các quỹ tín dụng nhân dân của bảo hiểm tiền gửi việt nam chi nhánh khu vực tây bắc bộ

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Tiêu đề Nâng Cao Hiệu Quả Kiểm Tra Đối Với Các Quỹ Tín Dụng Nhân Dân
Trường học Bảo Hiểm Tiền Gửi Việt Nam Chi Nhánh Khu Vực Tây Bắc Bộ
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PHҪN MӢ ĈҪU 1

/êGRFKӑQÿӅ WjL 1

2 MөFWLrXYjQKLӋm vө QJKLrQFӭu 3

2.1 MөFWLrXQJKLrQFӭu 3

2.2 NhiӋm vө QJKLrQFӭu 3

ĈӕLWѭӧQJYjSKҥPYLQJKLrQFӭu 4

ĈӕLWѭӧQJQJKLrQFӭu 4

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3.2.1 VӅ thӡi gian 4

3.2.2 VӅ NK{QJJLDQ 4

3.2.3 VӅ nӝi dung 5

4XDQÿLӇPSKѭѫQJSKiSWLӃp cұQYjSKѭѫQJSKiSQJKLrQFӭu 5

4XDQÿLӇPQJKLrQFӭu 5

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3KѭѫQJSKiSWKӕQJNrSKkQWtFK 6

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5.1 VӅ mһWOêOXұQYjKӑc thuұt 7

5.2 VӅ mһt thӵc tiӉn 7

6 KӃt cҩu cӫa LuұQYăQ 7

7 TәQJTXDQWuQKKuQKQJKLrQFӭXOLrQTXDQÿӃQÿӅ WjL 8

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1.1 Mӝt sӕ NKiLQLӋm 11

Trang 7

1.1.1 Quӻ WtQGөQJQKkQGkQ 11

1.1.2 Bҧo hiӇm tiӅn gӱi 11

1.1.3 NghiӋp vө kiӇm tra cӫa &KLQKiQK%ҧo hiӇm tiӅn gӱLÿӕi vӟi QTDND 12

ĈһFÿLӇm, chӭFQăQJQKLӋm vө 14

Ĉ{LYӟi Quӻ WtQGөQJQKkQGkQ 14

Ĉӕi vӟi Bҧo hiӇm tiӅn gӱLFKLQKiQKNKXYӵc 17

1.3 HoҥWÿӝng kiӇm tra cӫD&KLQKiQK%ҧo hiӇm tiӅn gӱLÿӕi vӟi QTDND 24

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1.3.2 Bӝ Pi\WKӵc hiӋn 25

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Trang 8

2.2.2.2 Bӝ Pi\ NLӇm tra cӫa &KL QKiQK Bҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵc

7k\ Bҳc Bӝ 63

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Trang 9

Ĉӕi vӟi Bҧo hiӇm tiӅn gӱi ViӋt Nam 102

Ĉӕi vӟLÿӕLWѭӧng kiӇm tra 104

KӂT LUҰN 106

7¬,/,ӊU THAM KHҦO 107

PHӨ LӨC 01

PHӨ LӨC 02

Trang 10

DANH MӨC BҦNG, BIӆ8ĈӖ, HӜ36ѪĈӖ

Bҧng

Bҧng 2.1 Sӕ Oѭӧng QTDND cӫD%+7*91&KLQKiQKNKXYӵF7k\%ҳc Bӝ 54

Bҧng 2.2 Nguӗn vӕn cӫDFiF47'1'WUrQÿӏDEjQ 55

BҧQJ'ѭ nӧ cӫa FiFQTDND trrQÿӏDEjQ 56

Bҧng 2.4 Doanh thu - FKLSKtFӫa QTDND WUrQÿӏDEjQ 57

Bҧng 2.5 ӃWTXҧKRjQWKjQKFiFQӝLGXQJNLӇPWUD 62

Bҧng 2.6 KiӇm tra cӫD&KLQKiQK%+7*917k\%ҳc Bӝ (2017-2019) 64

Bҧng 2.7 Mӝt sӕ YăQEҧn sӱ dөng trong nghiӋp vө kiӇm tra 65

BҧQJ7uQKKuQKWKӵc hiӋn kӃ hoҥch kiӇm tra 2017-2019 68

Bҧng 2.9 Sӕ ÿѫQYӏ vi phҥm viӋc chҩSKjQKFiFTX\ÿӏnh vӅ WK{QJWLQEiRFiR 2017-2019 70

Bҧng 2.10 Sӕ 47'1'FzQWtQKVDLSKtSKiWKLӋn qua kiӇm tra 71

Bҧng 2.11 Sӕ ÿѫQ vӏ vi phҥm viӋc chҩSKjQKFiFTX\ÿӏnh vӅ tiӅn gӱLÿѭӧc bҧo hiӇm 2017 ± 2019 73

BiӇXÿӗ BiӇXÿӗ 2.1 Sӕ 47'1'FzQWtQKVDLSKtSKiWKLӋn qua kiӇm tra 71

Hӝp thoҥi Hӝp thoҥi 2.1 Phӓng vҩn vӅ thӵc trҥQJ47'1'WUrQÿӏDEjQ 58

Hӝp thoҥi 2.2 Hӝp kӃt quҧ phӓng vҩn vӅ WuQKKuQKWKӵc hiӋQSKtEҧo hiӇm 72

Hӝp thoҥi 2.3 Hӝp kӃt quҧ phӓng vҩn vӅ WuQKKuQK WKӵc hiӋn chҩS KjQK FiF TX\ÿӏQKSKiSOXұt bҧo hiӇm 73

6ѫÿӗ 6ѫÿӗ 6ѫÿӗ tә chӭc hӋ thӕng Bҧo hiӇm tiӅn gӱi ViӋt Nam 43

6ѫÿӗ 2.2 Bӝ Pi\Wә chӭc cӫD&KLQKiQK%+7*91NKXYӵF7k\%ҳc Bӝ 46

Trang 11

3+Ҫ10ӢĈҪ8

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vӋ quyӅQYjFiFlӧLtFKKӧSSKiSFӫDQJѭӡi gӱi tiӅn, tӯ ÿyJySSKҫQGX\WUuVӵ

әn ÿӏnh, bҧRÿҧm sӵ SKiWWULӇQDQWRjQOjQKPҥnhSKiWWULӇn bӅn vӳng cӫa hӋ thӕQJFiFWә chӭFWtQGөng Sӵ әQÿӏnh cӫa hӋ thӕQJWtQGөQJOjFѫVӣ cho sӵ әQÿӏQKYjSKiWWULӇn kinh tӃ [mKӝi cӫDÿҩWQѭӟc

HiӋn nay, hӋ thӕQJFiFWә chӭFWtQGөng tҥi ViӋW1DPQyLFKXQJYjӣ KV 7k\%ҳc Bӝ QyLULrQJFyVӵ UDÿӡLYjSKiWWULӇn mҥnh mӁ&iF7&7*%+7* SKiWWULӇn nhanh vӅ TX\P{KRҥWÿӝng, chҩWOѭӧQJWtQGөQJYjÿDGҥQJKRiFiFsҧn phҭP WjL FKtQK 7URQJ WKӡL JLDQ YjL QăP WUӣ lҥL ÿk\ KӋ thӕQJ FiF7&7*%*7*ÿһc biӋWOjKӋ thӕQJ47'1'QJj\FjQJNKҷQJÿӏQKÿѭӧFYDLWUzquan trӑQJÿyQJ JyS WtFK FӵF YjRTXiWUuQK SKiW WULӇn kinh tӃ Q{QJQJKLӋp, Q{QJWK{QWҥLFiFÿӏDSKѭѫQJ%rQFҥnh nhӳng mһWWtFKFӵc vүQFzQWӗn tҥi mӝt sӕ ÿѫQYӏ FyGҩu hiӋu vi phҥPWURQJDQWRjQKRҥWÿӝQJF{QJWiFTXҧn trӏ ÿLӅX KjQK Eӏ EX{QJ Oӓng dүn tӟL WuQK WUҥng hoҥWÿӝQJ NpP KLӋu quҧ, xa rӡi mөF ÿtFK EDQ ÿҫu, vi phҥP FiF TX\ ÿӏnh cӫD SKiS OuұW WURQJ OƭQK Yӵc kinh doanh tiӅn tӋJLDWăQJNKҧ QăQJUӫLURÿҥRÿӭc ҧQKKѭӣQJNK{QJQKӓ tӟi sӵ an WRjQFӫa hӋ thӕQJWjLFKtQKTXӕFJLDĈӇ nhұn diӋn, kiӇPVRiWYjORҥi trӯ sӵ thiӃX DQ WRjQ Qj\ KRҥW ÿӝng kiӇP WUD JLiP ViW ÿyQJ YDL WUz Uҩt quan trӑng nhҵPSKiWKLӋn, cҧQKEiRNӏp thӡi nhӳng yӃXNpPVDLSKҥm trong hoҥWÿӝng cӫDFiFWә chӭFWtQGөQJÿһc biӋWOj QTDND

Trang 13

Nhұn thӭF ÿѭӧF WuQK KuQK WUrQ 7KӕQJ ÿӕF 1JkQ KjQJ QKj Qѭӟc ViӋt 1DP ÿm EDQ KjQK &KӍ thӏ sӕ 06/CT-1+11 QJj\  YӅ viӋc chҩn chӍnh, WăQJFѭӡQJSKzQJFKӕQJQJăQQJӯa vi phҥPSKiSOXұt nhҵPÿҧm bҧo DQQLQKDQWRjQKRҥWÿӝng trong hӋ thӕQJ47'1'ÿӇ cө thӇ KRi&KӍ thӏ WUrQNHNN tiӃp tөFEDQKjQK4X\ӃWÿӏnh sӕ 4Ĉ-1+11QJj\YӅ viӋFSKrGX\ӋWĈӅ iQ Cӫng cӕ YjSKiWWULӇn hӋ thӕng QTDND ÿӃQQăPÿӏQKKѭӟQJÿӃQQăP ÿӗng thӡi Thӫ WѭӟQJ&KtQKSKӫ FNJQJEDQKjQKChӍ thӏ 06/CT-77JQJj\YӅ 7ăQJFѭӡng giҧLSKiSQKҵm bҧRÿҧm DQWRjQKRҥWÿӝng, cӫng cӕ vӳng chҳc hӋ thӕng QTDND4XiQWULӋt chӍ ÿҥo cӫa Thӫ WѭӟQJYj NHNN BHTGVN QyLFKXQJYjBHTGVN CN KV Tҩy Bҳc

Bӝ QyL ULrQJ SKҧL QkQJ FDR KLӋu quҧ FiF KRҥW ÿӝng nghiӋp vө trӑQJ WkP OjnghiӋp vө kiӇPWUDJLiPViWÿӕi vӟLFiF7&7*%+7*7ӯ ÿySKiWKLӋn, cҧnh EiRQJăQFKһn kӏp thӡi, hҥn chӃ ÿӃn mӭc thҩp nhҩt nhӳng ҧQKKѭӣnJWLrXFӵc

ÿӃn sӵ DQWRjQKRҥWÿӝng cӫDWRjQKӋ thӕng 9uYұ\W{L chӑQÿӅ WjL ³1kQJFDR hiӋu quҧ kiӇPWUDÿӕi vӟLFiFQTDND cӫa BHTGVN CN KV 7k\%ҳc Bӝ´

2.2 1KL͏PYͭQJKLrQFͱX

HӋ thӕQJKyDFѫVӣ OêOXұn FѫEҧn vӅ TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm WUDÿӕi vӟi hӋ thӕng QTDND

Cө thӇ tұSWUXQJWUuQKEj\

Trang 14

- KiLTXiWYӅ nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND tҥL%+7*91YjtҥL&KLQKiQK%+7*91

- ĈiQK JLi FiF \Ӄu tӕ tӟi quҧQ Oê WURQJ TX\ WUuQK WKӵc hiӋn nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND;

- 3KkQWtFKQӝi dung kiӇPWUDÿӕi vӟLFiFQTDND WK{QJTXDFiFVӕ liӋu thu thұSYjEӝ chӍ WLrXÿiQKJLiTXҧQOêQKjQѭӟc

ĈiQKJLiWK͹c tr̩ng th͹c hi͏n nghi͏p vͭ ki͋PWUDÿ͙i vͣLFiFQTDND giai ÿR̩n 2017 ± 2019 cͯD&KLQKiQK%+7*91

Trang 15

3.2.3 9ӅQӝLGXQJ

- 1JKLrQ Fӭu cҧ Oê WKX\ӃW Yj WKӵc tiӉn, cҧ thӵc trҥng ÿӏQKKѭӟng trong thӡi gian tӟLÿӕi vӟLTX\WUuQKthӵc hiӋn kiӇm tra FiF47'1'WUrQÿӏDEjQNKXvӵF7k\%ҳc Bӝ tҥL&KLQKiQK

- /jP U} Fѫ Vӣ Oê OXұn, kinh nghiӋm thӵc tiӉQÿiQK JLi WKӵc trҥQJÿӅ xuҩWÿӏQKKѭӟQJYjJLҧLSKiSQkQJFDRKLӋu quҧ kiӇPWUDÿӕi vӟLFiFQTDND bao gӗm: Nӝi dung kiӇPWUDTX\WUuQKNLӇPWUDF{QJFөKғuQKWKӭc kiӇm tra,

TiӃp cұn tӯ OêWKX\ӃWÿӃn thӵc tiӉn:

- TiӃp cұQOêWKX\Ӄt bҳWÿҫu bҵng viӋFSKkQWtFKSKkQORҥLFiFWjLOLӋXÿӇ WuPUDFҩXWU~FOêWKX\ӃWFiF[XKѭӟQJSKiWWULӇn cӫDP{KuQKQTDND trong thӡi gian tӟi

- TiӃp cұn thӵc tiӉn

ĈLӅu tra khҧRViWPӝWQKyPFiQEӝ tҥL%+7*91&KLQKiQKYjPӝt sӕ QTDND nhҵm SKiWKLӋQFiFQKkQWӕ ҧQKKѭӣQJÿӃn sӵ SKiWWULӇn cӫa mӛi tә chӭc

3KkQWtFKWәng kӃt kinh nghiӋP7UrQFѫVӣ tәng kӃWÿ~FU~WFiFNLQKnghiӋP TXD TXiWUuQK WKӵc hiӋn nhiӋm vө tӯ ÿyFyFiLQKuQPӝW FiFKNKiFKTXDQ Fy KӋ thӕng vӅ TX\ WUuQK WKӵc hiӋn nghiӋp vө kiӇP WUD ÿӕi vӟL FiF

Trang 16

QTDND WUrQÿӏDEjQ&KLQKiQKTXҧQOêWӯ ÿyÿѭDUDNKX\ӃQFiRQKҵPKRjQthiӋQKѫQTX\WUuQKWKӵc hiӋn nghiӋp vө tҥL&KLQKiQK

4.3 3K˱˯QJSKiSQJKLrQFͱX

ĈӇ ÿҥWÿѭӧc mөFWLrXQJKLrQFӭXÿӅ WjLVӁ sӱ dөQJFiFSKѭѫQJSKiS 4.3.1 3KѭѫQJSKiSFKX\rQJLDSKӓQJYҩQ

TiӃQKjQKWKXWKұp sӕ liӋXVѫFҩSWK{QJTXDSKӓng vҩQVkX*LiPÿӕc Chi QKiQK%DQTXҧn trӏ%DQÿLӅXKjQKQTDND/mQKÿҥRSKzQJ.LӇm tra Chi QKiQKQJѭӡLODRÿӝng tҥi QTDND Tӯ ÿyU~WUDÿѭӧc nhӳQJÿiQKJLiYӅ thӵc trҥng tURQJTX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQK

4.3.2 3KѭѫQJSKiSWKӕQJNrSKkQWtFK

- 7UrQ Fѫ Vӣ FiF WjL OLӋu thu thұS ÿѭӧc, hӋ thӕng sӕ liӋX YăQ EҧQ [k\dӵng hӋ thӕQJ Fѫ Vӣ dӳ liӋu tӯ ÿy [k\ Gӵng quy WUuQK WKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQKÿӕi vӟLFiF47'1'

- Thu thұp dӳ liӋu thӭ cҩp vӅ TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫa

&KLQKiQKWӯ FiFQJXӗn FѫVӣ sӣ dӳ liӋXQKѭVDX%iRFiRWuQKKuQKKRҥWÿӝng TXDFiFQăP cӫDQKѭWәng hӧSEiRFiRFiFQăPFӫa Chi QKiQh, EiRFiRWәng kӃt, mӝt sӕ tәng hӧSU~WNLQKQJKLӋm cӫDFiFKӝi thҧo do BHTGVN tә chӭc, bҧn tin Bҧo hiӇm tiӅn gӱi, tham khҧRFiFWjLOLӋXOLrQTXDQWUrQLQWHUQHWViFKEiRWҥSFKtFәQJWK{QJWLQÿLӋn tӱ,

- 7UrQFѫVӣ hӋ thӕng dӳ liӋu thӭ cҩSYjVѫFҩSÿѭӧc thu thұp, tiӃQKjQKSKkQWtFK[ӱ OêQKҵPÿѭDUDFiFNӃt luұQÿiQKJLiFKtQK[iFQKҩt hiӋu quҧ thӵc hiӋn Yj SKkQ WtFK WKӵc trҥng nghiӋp vө kiӇm tra cӫD &KL QKiQK &iFSKѭѫQJ SKiS ÿѭӧc sӱ dөQJ 3KѭѫQJ SKiS WKӕQJ Nr SKѭѫQJ SKiS VR ViQKSKѭѫQJSKiSSKkQWtFKYjWәng hӧS;k\GӵQJYjWұp hӧSFiFVӕ liӋu, bҧng biӇXYjVӱ dөQJFiFF{QJFө ÿӇ thӇ hiӋn sӕ liӋXTXDFiFQăPFyWtQKKӋ thӕng nhҩt

- 7UrQFѫVӣ ÿiQKJLiWiFJLiÿѭDUDFiF giҧLSKiSQKҵPKRjQWKLӋn quy WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra cӫD&KLQKiQK

Trang 17

&KLQKiQK7K{QJTXDÿyJL~S&KLQKiQKFӫng cӕ ÿӝLQJNJQKkQVӵQkQJFDRhiӋu quҧ quҧQOêYjKRjQWKLӋn TX\WUuQKWKӵc hiӋn nghiӋp vө kiӇm tra tҥo thӃ mҥQK WURQJ F{QJ FXӝF ÿәi mӟL Yj SKiW WULӇn MһW NKiF ÿӅ WjL FNJQJ JyS SKҫn khҷQJÿӏnh lҥLYDLWUzFӫa quҧQOêQKjQѭӟc trong quy tUuQKWKӵc hiӋn nghiӋp vө kiӇP WUD FiF QTDND FNJQJ Fy WKӇ iS Gөng mӝt phҫQ WURQJ F{QJ WiF WKDQK ± kiӇPWUDFiFWә chӭFWtQGөng tҥi ViӋt Nam

6 .ӃWFҩXFӫD/XұQYăQ

1JRjLSKҫn mӣ ÿҫu, kӃt luұn, danh mөFWjLOLӋu tham khҧRYjSKө lөc, nӝi dung cӫa luұQYăQgӗPFKѭѫQJ

&KѭѫQJ&ѫVӣ OêOXұn vӅ nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND cӫa

&KLQKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam Khu vӵF7k\%ҳc Bӝ

&KѭѫQJ Thӵc trҥng nghiӋp vө kiӇPWUDÿӕi vӟLFiFQTDND tҥi cӫa

&KLQKiQK%ҧo hiӇm tiӅm gӱi ViӋt Nam Khu vӵF7k\%ҳc Bӝ JLDLÿRҥn

2017-2019

&KѭѫQJ  0ӝt sӕ giҧL SKiS QkQJ FDR KLӋu quҧ kiӇP WUD ÿӕi vӟL FiFQTDND cӫD&KLQKiQK%ҧo hiӇm tiӅm gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ

Trang 18

7 7әQJTXDQWuQKKuQKQJKLrQFӭXOLrQTXDQÿӃQÿӅWjL

%+7*OjPӝt yӃu tӕ quan trӑQJÿyQJJySFKRGX\WUuVӵ әQÿӏnh, DQWRjQYj SKiW WULӇn bӅn vӳng OjQK Pҥnh cӫa hӋ thӕQJ FiF Wә chӭF WtQ Gөng ViӋt 1DPYj[k\GӵQJÿѭӧc niӅm tin cӫDQJѭӡi gӱi tiӅn HiӋn nay, BHTGVN hoҥt ÿӗng FzQQKLӅu hҥn chӃFKѭDSKKӧp vӟi WuQKKuQKSKiWWULӇn kinh tӃ - [mKӝi ViӋt Nam VҩQ ÿӅ ÿһW UD Oj FҫQ Fy QKLӅX F{QJ WUuQK NKRD Kӑc, nhiӅX ÿӅ WjLFKX\rQÿӅ QJKLrQFӭXKѫQQӳa vӅ BHTGVN, nhҩWOjWURQJEӕi cҧnh ViӋt Nam ÿDQJKӝi nhұp FKXQJWUrQPӝt thӃ giӟi phҷng vӟLFiFQѭӟFWUrQWKӃ giӟi, cҫn phҧL Fy Pӝt hӋ thӕQJWjL FKtQKQJkQ KjQJ DQWRjQOjQK Pҥnh tiӋm cұn theo chuҭn quӕc tӃ7tQKFKRÿӃn thӡLÿLӇm hiӋQQD\WUrQWKӃ giӟLYjÿһc biӋWOjӣ ViӋW1DPFKѭDFyQKLӅu F{QJWUuQKQJKLrQFӭu vӅ BHTG QKѭVӵ cҫn thiӃt vӕn FyFӫDOƭQKYӵFQj\7X\QKLrQQәi bұt mӝt sӕ F{QJWUuQKQJKLrQFӭXVDXÿk\

- IADI (2009) Core principles for effective Deposit Insuarance Systems Ĉk\Oj%ӝ QJX\rQWҳc FѫVӣ ÿӇ [k\Gӵng hӋ thӕng BHTG hiӋu quҧ do Ӫy ban Basel vӅ JLiPViWQJkQKjQJ %&%6 YjKLӋp hӝi BHTG Quӕc tӃ (IADI) ban KjQKQJj\gӗm Fy18 QJX\rQWҳc ;iFÿӏnh mөFWLrXFӫa bӝ quy tҳc Qj\Ojÿҧm bҧRFiFTXӕFJLD[k\GӵQJÿѭӧc nӅn tҧng BHTG hoҥWÿӝng hiӋu lӵc, hiӋu quҧ WUrQFѫVӣ bӝ quy tҳc chung cӫa thӃ giӟL.KLFiFQѭӟFFiFNKXYӵFiSdөng quy tҳFQj\FҫQÿѭӧFWtQKÿӃn yӃu tӕ kinh tӃ [mKӝi, hӋ thӕQJYăQEҧn, yӃu

tӕ YQJOmQKWKә YjGkQFѭÿӇ iSGөQJFKRSKKӧp CҫQÿѭӧFiSGөng mӝWFiFKmӅm dҿo, linh hoҥt ÿӇ ÿҥWÿѭӧc mөFWLrXFӫDFKLQKViFKNLQKWӃFKtQKViFKWLӅn

tӋ cӫa quӕFJLDYjÿһc biӋWOjFӫng cӕ ÿѭӧc niӅm tin cӫDNKiFKKjQJQJѭӡi gӱi tiӅn

- Phan Thӏ ;XkQ1JD  /XұQiQ7LӃQVƭ.LQKWӃ, GiҧLSKiSSKiWtriӇn hoҥWÿӝng cӫa Bҧo hiӇm tiӅn gӱi ViӋt Nam , Hӑc viӋQ 1JkQ KjQJ +jNӝi LuұQYăQWұp trung giҧi quyӃt mӝt sӕ vҩQÿӅ hҥn chӃ hiӋn nay, 7iFJLҧ

ÿӅ xuҩt giҧLSKiSSKiWWUiӇQPDQJWtQKchiӃQOѭӧFYjFyWҫm ҧQKKѭӣng rӝng cho hoҥWÿӝng BHTG gҳn vӟLÿLӅu kiӋn cө thӇ cӫa ViӋt Nam 1KyPFiFJLҧi

Trang 19

SKiSPjWiFJLҧ ÿӅ cұp tұp trung chӫ yӃu vӅ SKiWWULӇn nguӗn lӵFFRQQJѭӡi, [k\Gӵng bӝ Pi\Wә chӭFQKkQVӵ hoҥWÿӝng LuұQiQFKѭDÿӅ cұSVkXVҳc, chi tiӃt vӅ TX\WUuQKQJKLӋp vө cө thӇ, mӝt giҧLSKiSUҩt cҫn thiӃt trong giai ÿRҥn hiӋn nay

- 7{1JӑF+ѭQJ   HӋ thӕQJJLiPViWWjLFKtQKTXӕc gia , Hӑc viӋQ 1JkQ +jQJ +j 1ӝi Vӟi nhӳng kӃt quҧ ÿҥW ÿѭӧF FKX\rQ ÿӅ FiF JLҧi SKiSÿѭӧFFKX\rQÿӅ ÿӅ cұSÿӃQÿѭӧFÿiQKJLiFDRPDQJWtFKFKҩWVkXYjrӝng cho viӋF[k\Gӵng hӋ thӕQJJLiPViWWjLFKtQKTXӕc gia%rQFҥQKÿyWiFgiҧ ÿm NKiL TXiW ÿѭӧc mӝW FiFK Wәng thӇ ÿLӅu kiӋQ KuQK WKjQK Jҳn vӟL ѭXQKѭӧFÿLӇm cӫa tӯQJP{KuQKWUrQFѫVӣ pKkQWtFKѭXÿLӇPQKѭӧFÿLӇm, FѫhӝLYjWKiFKWKӭc [k\Gӵng P{KuQKJLiPViWSKKӧp nhҩt vӟLÿLӅu kiӋn thӵc

tӃ cӫa ViӋt Nam

- +RjQJ7KX+ҵng (2015), 3KiSOXұt vӅ hoҥWÿӝng BHTG ӣ ViӋt Nam ,

ĈӅ WjLQJKLrQFӭu khoa hӑc cҩSQJjQK.KRD/XұWĈҥi hӑc quӕc JLD+j1ӝi Ĉk\OjÿӅ WjLWұp chung vӅ mһt quҧQOêQKjQѭӟFWK{QJTXDKӋ thӕQJSKiSluұW7UrQFѫVӣ ÿiQKJLiKӋ thӗQJFiFYăQEҧn quy phҥPSKiSOXұWYjYăQEҧn SKiSTX\ÿDQJÿLӅu chӍQKÿӃQOƭQKYӵF%+7*ÿѭDUDPӝt sӕ SKѭѫQJKѭӟng KRjQWKLӋQSKiSOXұt ÿiS ӭQJYjFyWtQKGjLKҥn vӟi sӵ SKiWWULӇn cӫDÿҩWQѭӟc YjKӝi nhұp quӕc tӃ cӫDÿҩWQѭӟc 7X\QKLrQÿӅ WjLFKӫ yӃu tұp trung vӅ mһt YăQEҧQSKiSOXұWFKѭDÿLYjRVkXVҳc vӅ TX\WUuQKQJKLӋp vө BHTG

- NguyӉn Thӏ Kim Oanh (2004), Bҧo hiӇm tiӅn gӱi - nguyrQOêWKӵc tiӉn YjÿӏQKKѭӟng , 1Kj[Xҩt bҧQ/DRÿӝQJ[mKӝL+j1ӝi MһFGÿѭӧc viӃt tӯ QăPQKѭQJÿk\ÿѭӧc coi OjPӝWF{QJWUuQKkhoa hӑc QJKLrQFӭXFyWtQKNKiLTXiWOӟnWiFJLҧ ÿӅ cұSÿӃQFiFYҩQÿӅ FѫEҧn cӫa hoҥWÿӝng BHTG cө thӇ YDLWUzFӫa hoҥWÿӝng BHTG trong nӅn kinh tӃ, cung cҩSWK{QJWLQYӅ triӇn khai hoҥWÿӝQJQj\ӣ ViӋW1DPFNJQJQKѭPӝt sӕ QѭӟFWLrXELӇXYjWUuQKEj\FiFÿӏQKKѭӟQJSKiWWULӇQWURQJWѭѫQJODL

- /r7Xҩn Long (2020) LuұQYăQWKҥc sӻ TruyӅQWK{QJ%ҧo hiӇm tiӅn

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gӱi tҥi Chi QKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ , Ĉҥi hӑc Kinh tӃ quӕFGkQ+j1ӝi 7iFJLҧ ÿmÿӅ cұp thӵc trҥng hoҥWÿӝng cӫa BHTG

&KLQKiQK.97k\%ҳc Bӝ hiӋn nay, WUrQFѫVӣ SKkQWtFKQKӳng yӃu tӕ hҥn chӃ YjQJX\rQQKkQFӫa hҥn chӃ ÿy[k\Gӵng giҧLSKiSPDQJWtQKWәng thӇ cho hoҥWÿӝng truyӅQWK{QJEҧo hiӇm tiӅn gӱi ViӋW1DP7X\QKLrQ, phҥm vӏ tұp trung chӫ yӃX YjR OƭQK Yӵ truyӅQ WK{QJ Yj FKѭD chӍ U} JLҧL SKiS KRjQthiӋQ FiF TX\ WUuQK QJKLӋp vө kiӇm tra ± mӝW NKkX TXDQ WUӑng trong hoҥt ÿӝng BHTG

7yPOҥi, ciFF{QJWUuQKQJKLrQFӭXWUrQÿmhӋ thӕQJKyDÿѭӧFFѫVӣ Oêluұn vӅ BHTG Tӯ Fѫ Vӣ Oê OXұQ ÿy SKkQ WtFK WKӵc trҥQJ ÿiQK JLi ÿѭӧc nhӳng vҩQÿӅ hҥn chӃ YjSKkQWtFK ÿѭӧFQJX\rQQKkQVkX[DFӫa hҥn chӃ[k\dӵng hӋ thӕQJ FiF JLҧL SKiS QKҵP ÿҧm bҧo sӵ SKiW WULӇn cӫa hoҥW ÿӝng

%+7*WURQJÿLӅu kiӋn kinh tӃ - [mKӝi cӫDÿҩWQѭӟc hiӋn nay gҳn vӟi hӝi nhұp kinh tӃ quӕc tӃ 7X\QKLrQFKѭDFyQKLӅu luұQYăQÿӅ cұSÿӃn F{QJWiFTXҧn OêWURQJKRҥWÿӝng thӵc hiӋn nghiӋp vө kiӇm tra, mӝt trong nhӳng nghiӋp vө chӫ ÿҥo cӫa BHTG nhҵPÿҧm bҧRDQWRjQKӋ thӕQJÿӕi vӟi hӋ thӕng QTDND QyL ULrQJ FNJQJ QKѭ WRjQ KӋ thӕQJ FiF 7&7' QyL FKXQJ theo chӍ thӏ 06 cӫa Thӫ WѭӟQJ&KtQKSKӫ Yj7KӕQJÿӕF1JkQKjQJQKjQѭӟc ViӋt Nam, sӵ vұn ÿӝQJYjSKiWWULӇn cӫD[m hӝi, hӋ thӕQJYăQbҧn quy phҥPSKiSOXұWFNJQJFҫn FyQKӳQJÿLӅu chӍQKFKRSKKӧp vӟLWuQKKuQKWKӵc tӃ9uYұ\FiFÿӅ xuҩWYjgiҧL SKiS Wұp trung giҧi quyӃW KRjQ FKӍQK KѫQ KѫQ OLrQ TXDQ ÿӃQ TX\ WUuQKkiӇm tra vӅ BHTG WUrQ Fѫ Vӣ SKiS OXұt hiӋQ KjQK ÿӗng thӡL Fy \Ӄu tӕ dӵ SKzQJ WURQJ WKӡi gian tӟi nhҵm mөF ÿtFK JyS ê sӱD ÿәi bә sung Luұt Bҧo hiӇm tiӅn gӱi Yj/XұW1JkQKjQJ1KjQѭӟc ViӋt Nam trong nhӳQJQăPWLӃp theo

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7K{QJWѭVӕ 04/TT-NHNN-TX\ÿӏnh QTDND OjORҥLKuQKWә chӭFWtQdөng hӧSWiFKRҥWÿӝQJWKHRQJX\rQWҳc tӵ nguyӋn, tӵ chӫ, tӵ chӏXWUiFKQKLӋm

vӅ kӃt quҧ hoҥW ÿӝng, thӵc hiӋn mөF WLrX FKӫ yӃX Oj WѭѫQJ WUӧ giӳD FiF WKjQKYLrQQKҵPSKiWKX\Vӭc mҥnh tұp thӇ YjFӫa tӯQJWKjQKYLrQJL~SQKDXWKӵc hiӋQ FyKLӋu quҧ FiFKRҥW ÿӝng sҧn xuҩt, kinh doanh, dӏch vө Yj Fҧi thiӋQ ÿӡi sӕng HoҥWÿӝng cӫa QTDND phҧi bҧRÿҧPEÿҳSFKLSKtYjFyWtFKONJ\ÿӇ SKiWtriӇn

1.1.2 %ҧRKLӇPWLӅQJӱL

7KHROXұWEҧRKLӇPWLӅQJӱLVӕ4+QJj\QKѭVDX

%ҧRKLӇPWLӅQJӱLOjVӵEҧRÿҧPKRjQWUҧWLӅQJӱLFKRQJѭӡLÿѭӧFEҧRKLӇPWLӅQJӱLWURQJKҥQPӭFWUҧWLӅQEҧRKLӇPNKLWәFKӭFWKDPJLDEҧRKLӇPWLӅQJӱLOkPYjRWuQKWUҥQJPҩWNKҧQăQJFKLWUҧWLӅQJӱLFKRQJѭӡLJӱLWLӅQKRһFSKiVҧQ

Tә chӭc bҧo hiӇm tiӅn gӱLOjWә chӭFWjLFKtQKQKjQѭӟc, hoҥWÿӝQJNK{QJYuPөFWLrXOӧi nhuұn, thӵc hiӋQFKtQKViFKEҧo hiӇm tiӅn gӱLJySSKҫQGX\WUu

sӵ әQÿӏnh cӫa hӋ thӕQJFiFWә chӭFWtQGөng, bҧRÿҧm sӵ SKiWWULӇQDQWRjQOjQKPҥnh cӫa hoҥWÿӝQJQJkQKjQJ

Bҧo hiӇm tiӅn gӱLFKLQKiQKNKXYӵFOj tә chӭFÿѭӧF1KjQѭӟFFKRSKpSnhұQÿyQJJySWjLFKtQKWӯ FiFWә chӭFWKDPJLD%+7*WUrQNKXYӵc hoҥWÿӝng YjFyWUiFKQKLӋm thӵc hiӋn chi trҧ tiӅn gӱLÿѭӧc bҧo hiӇPÿӃQQJѭӡi gӱi tiӅn

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thuӝFÿӕLWѭӧQJÿѭӧc bҧo hiӇm tҥi tә chӭFWKDPJLD%+7*WUrQÿӏDEjQNKLWә chӭF ÿy Pҩt khҧ QăQJ FKL WUҧ WKDQKWRiQ KRһF SKi Vҧn 1Kѭ Yұy, BHTG chi QKiQKNKXYӵc FyQKLӋm vө thӵc hiӋn mӝt sӕ YDLWUzFKӭFQăQJYұQKjQKKRҥt ÿӝQJ%+7*WKHRFiFTX\ÿӏnh cӫDQKjQѭӟc tҥi khu vӵFÿӏDSKѭѫQJ Yjÿӗng thӡi triӇn khai FiFQKLӋm vө OLrQTXDQÿӃn thanh tra, kiӇm tra, thӵc hiӋn JLiPViWF{QJWiFWUX\ӅQWK{QJ JySSKҫn JySSKҫQGX\WUuVӵ әQÿӏnh cӫa hӋ thӕng FiFWә chӭFWtQGөng, bҧRÿҧm sӵ SKiWWULӇQDQWRjQOjQKPҥnh cӫa hoҥWÿӝng QJkQKjQJ theo FiFPөFWLrX

- 'X\ WUu Yj SKiW WULӇn hӋ thӕQJ WjL FKtQK - QJkQ KjQJ KRҥW ÿӝQJ OjQKmҥnh, DQWRjQ Yjdӵ SKzQJ ӣ mӭc cҩSÿӝ thҩp nhҩt sӵ ÿә vӥ cӫDFiFWә chӭc WtQGөng tham gia BHTG

- ;k\ Gӵng thӏ WUѭӡng tiӅn tӋ, FKtQK ViFK WjL FKtQK TXӕc gia ljQK Pҥnh, cҥQK WUDQK PDQK WtQK F{QJ Eҵng giӳD FiF Wә chӭF WjL FKtQK, FiF ÿӏnh chӃ WjLFKtQK WKHRFiFFҩSÿӝ FyORҥLKuQKYjTX\P{ NKiFQKDX

- *ySSKҫn quan trӑng trong thӵc hiӋQFKtQKViFKYӅ SKiWWLӇn kinh tӃ ÿӕi vӟL&KtQK3Kӫ Giҧm bӟt ҧQKKѭӣng cho CKtQKSKӫ WURQJWUѭӡng hӧp phҧi xӱ OêOLrQTXDQÿӃn sӵ SKiVҧn cӫDFiF7&7'NhӳQJWiFÿӝng xҩu ÿѭӧc chia cho nhiӅXErQYjWҥRWtQKәQÿӏQKF{QJEҵQJKѫQFKRFiFErQOLrQTXDQYӅ hӋ thӕng WjLFKtQK± QJkQKjQJYjQӅn kinh tӃ ViӋt Nam

1.1.3 1JKLӋS Yө kLӇP WUD FӫD &KL QKiQK %ҧR KLӇP WLӅQ JӱL ÿӕL YӟLQTDND

KiӇm tra cӫD%+7*FKLQKiQKNKXYӵFFNJQJJLӕQJQKѭNLӇm tra cӫa tә chӭF%+7*ÿӕi vӟLFiF7&7'FKtQKOjKRҥWÿӝQJPj%+7*WK{QJTXDFiFbiӋQ SKiS QJKLӋp vө kӏp thӡL SKiW KLӋn, cҧQK EiR Yj QJăQ QJӯa nhӳng vi phҥm cӫa tә chӭc tham gia BHTG, nhҵm bҧo vӋ tӕt nhҩt quyӅn lӧLQJѭӡi gӱi tiӅQQkQJFDRQLӅm tin cӫDFiFWә chӭFFiQKkQGRDQKQJKLӋp YjRKӋ thӕng WjLFKtQK - QJkQKjQJÿӗng thӡLJySSKҫQFQJFiFFѫTXDQJLiPViWNKiFWăQJFѭӡQJSKiSFKӃ cӫD1KjQѭӟc WURQJOƭQKYӵc hoҥWÿӝQJQJkQKjQJĈk\

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OjFiFKOjPKLӋu quҧ nhҵPWK~Fÿҭ\TXiWUuQKWăQJWUѭӣng bӅn vӳng cӫDQJkQKjQJFӫng cӕ sӵ KjLOzQJ\rQWkPFӫDQJѭӡi gӱi tiӅn Yjÿҧm bҧRFiFPөc WLrXÿyOj

- *ySSKҫn bҧo vӋ quyӅQYjOӧLtFKKӧSSKiSFӫDQJѭӡi ÿѭӧc bҧo hiӇm gӱi tiӅn, WăQJFѭӡng sӵ KjLOzQJ cӫDF{QJFK~QJYjRVӵ әQÿӏnh cӫa hӋ thӕng FiF7&7'ÿҧm bҧo sӵ SKiWWULӇn, hoҥWÿӝng hiӋu lӵc, hiӋu quҧ cӫDQJkQKjQJ 7K{QJTXDSKkQWtFKÿiQKJLiWKӵc tӃ hoҥWÿӝng, sӕ liӋu tәng hӧp kiӇPWUDYLrQcӫa tә chӭc HTTG kӏp thӡLSKiWKLӋn nhӳng dҩu hiӋu xҩu, nhӳng bҩt chҳFFythӇ ҧQK KѭӣQJ ÿӃn hoҥW ÿӝng cӫa tә chӭc tham gia BHTG Tӯ ÿy [k\ Gӵng nhӳng quyӃWViFKPDQJWtQKGӵ SKzQJFDR

- DӵDWUrQFiFTX\FKXҭn cӫDSKiSOXұt vӅ %+7*FyWKӇ nhұQÿӏQKÿiQKJLiÿѭӧc sӵ WiFÿӝng cӫDSKiSOXұWÿӃQ%+7*QyLULrQJYjKRҥWÿӝng cӫDQJkQKjQJQyLFKXQJFӫDFiFWә chӭc tham gia BHTG3KiWKLӋQYj[ӱ OêKRһc kiӃn nghӏ QJkQ KjQJ WUXQJ ѭѫQJ[ӱ Oê Nӏp thӡi nhӳng vi phҥP TX\ ÿӏnh cӫDSKiSluұt vӅ %+7*QJăQFKһQQJX\FѫWUөc lӧi bҧo hiӇPGѭӟi mӑLKuQKWKӭc

- ĈiQK JLi ÿѭӧc nhӳng vҩQ ÿӅ bҩt cұp cӫD 47'1' ÿӇ kӏp thӡL Fy JLҧi SKiSNKҳc phөF7UiQKÿѭӧc sӵ Ok\ODQWiFÿӝng xҩu tӟLFiF47'1'ÿDQJhoҥWÿӝng tӕWYjFҧ hӋ thӕQJQJkQKjQJ

;iFÿӏQKÿѭӧc nhӳQJNKyNKăQFӫD47'1'ÿӇ ÿӅ xuҩt nhӳng biӋQSKiS

xӱ OêNӏp thӡLWUiQKKLӋQWѭӧng ҧQKKѭӣQJGk\FKX\Ӆn tӟLFiF47'1'ÿDQJhoҥWÿӝng hiӋu quҧ YjFҧ hӋ thӕQJQJkQKjQJ

- 7URQJTXiWUuQKWKӵc hiӋn, kӏp thӡi nhұn diӋn nhӳng bҩt hӧSOêWURQJFѫchӃ FKtQK ViFK ÿӇ Fy WKDP PѭX FKR Fѫ TXDQ QKj QѭӟF Fy WKҭm quyӅn FynhӳQJÿLӅu chӍQKFKRSKKӧp

HoҥWÿӝng kiӇPWUDÿӕi vӟi tә chӭFWKDPJLD%+7*FyêQJKƭDÿһc biӋt quan trӑng, ҧQKKѭӣng lӟQÿӃQFKtQKViFKWjLFKtQKWLӅn tӋ quӕFJLDWK{QJTXDFiFQJkQKjQJ7&7'*ySSKҫn quan trӑQJYjNӏp thӡi nJăQQJӳa sӵ ÿә vӥ

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cӫa hӋ thӕQJ QJkQ KjQJ 7&7' Yj [k\ Gӵng, cӫng cӕ OzQJ WkP Oê WLQ Wѭӣng QJѭӡi gӱi tiӅQ;k\Gӵng nӅn tҧQJ[mKӝLSKiWWULӇn vӳng chҳc

HiӋQQD\ÿDVӕ FiFTXӕFJLDWUrQWKӃ giӟLÿmWKLӃt kӃ YjÿѭDYjRKRҥWÿӝng mҥQJDQWRjQWjLFKtQKEDRgӗPFiFFѫTXDQJLiPViWFӫa Bӝ WjLFKtQK1JkQKjQJ 7UXQJ ѭѫQJ Wә chӭF %+7* Yj FiF Fѫ TXDQ JLiP ViW NKiF %+7* WUӣ WKjQKPӝt bӝ phұn cӫa mҥQJDQWRjQWjLFKtQKTXӕc gia BHTG phҧi thӵc hiӋn chӭFQăQJJLiPViWKRҥWÿӝQJWjLFKtQKQJkQKjQJPjFө thӇ nhҩt OjKRҥWÿӝng JLiPViWFiF7&7'WKDPJLD%+7*7URQJÿyNLӇm tra trӵc tiӃSFQJYӟLJLiPViWWӯ [DOjKDLEӝ phұn cӫa hoҥWÿӝQJJLiPViWQj\

1.2 Ĉ̿FÿL͋PFKͱFQăQJQKL͏PYͭ

1.2.1ĈӕL YӟL4XӻWtQGөQJQKkQGkQ

Theo Nghӏ ÿӏnh sӕ 1Ĉ-&3QJj\/2001 cӫD&KtQK3Kӫ vӅ

tә chӭFYjKRҥWÿӝng cӫD471'1'TX\ÿӏnh 4XӻWtQGөQJQKkQGkQOjORҥLKuQKWәFKӭFWtQGөQJKӧSWiFKRҥWÿӝQJWKHRQJX\rQWҳFWӵQJX\ӋQWӵFKӫWӵFKӏXWUiFKQKLӋPYӅNӃWTXҧKRҥWÿӝQJWKӵFKLӋQPөFWLrXFKӫ\ӃXOjWѭѫQJWUӧ JLӳD FiF WKjQK YLrQ QKҵP SKiW KX\ VӭF PҥQK FӫD WұS WKӇ Yj FӫD WӯQJWKjQK YLrQ JL~S QKDX WKӵF KLӋQ Fy KLӋX TXҧ FiF KRҥW ÿӝQJ VҧQ [XҩW NLQKGRDQKGӏFKYөYjFҧLWKLӋQÿӡLVӕQJ+RҥWÿӝQJFӫD4XӻWtQGөQJQKkQGkQSKҧLEҧRÿҧPEÿҳSFKLSKtYjFyWtFKONJ\ÿӇSKiWWULӇQ

Sӕ OѭӧQJWKjQKYLrQFӫD47'1'NK{QJKҥn chӃ vӅ sӕ OѭӧQJQJѭӡi tham giaQKѭQJWKHRTX\ÿӏnh hiӋn nay phҧLFy tWQKҩt WKjQKYLrQ

QTDND hoҥWÿӝQJWKHRFѫFKӃ tӵ chӫ, tӵ chӏXWUiFKQKLӋm: Tҥo ra nӅn kinh tӃ әQÿӏnh, tҥo ra thһQJGѭWURQJKӝ giDÿuQKYjGRDQKQJKLӋp bҵng viӋF[k\dӵQJêWKӭFWUiFKQKLӋm cӫDQJѭӡLGkQÿӇ hӑ sӱ dөng nhӳng lӧi nhuұn kinh tӃ Qj\YjRFiFOƭQKYӵc sҧn xuҩt kinh doanh hoһFWLrXGQJWKHRFiFQKXFҫXѭXWLrQ1JRjLUDTXӻ WtQGөQJFzQFXQJFҩSWjLFKtQKFKRFiFGRDQKQghiӋSYLP{Yj NLQK GRDQK QKӓ JyS SKҫQ WK~F ÿҭy sӵ SKiW WULӇn kinh tӃ ± [m Kӝi tҥL ÿӏa SKѭѫQJ

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Chia lӧi tӭFWUrQFѫVӣ SKKӧp vӟi lӧLtFKFӫDWKjQKYLrQYjGX\WUuVӵ SKiWWULӇn bӅn vӳng cӫa QTDND: NhiӋm vө cҫn thӵc hiӋQÿҫXWLrQOj QJKƭD

vө nӝp thuӃ, PhҫQFzQOҥLÿѭӧFWtQKQKѭVDX/mLFzQOҥLÿѭӧFWUtFKPӝt phҫn YjRFiFTXӻ cӫa QTDND, mӝt phҫn chia theo vӕQJySFӫDWKjQKYLrQSKҫn FzQOҥLFKLDFKRWKjQKYLrQWKHRPӭFÿӝ sӱ dөng dӏch vө cӫD47'1'GRĈҥi hӝLWKjQKYLrQTX\ӃWÿӏnh

HӧSWiFYjSKiWWULӇn cӝQJÿӗng: Ĉk\OjPөFWLrXPDQJWtQKEӅn vӳng YjQKkQYăQFӫDFiF47'1' &iFWKjQKYLrQWKDPJLDSKҧLFyêWKӭc cӝng ÿӗQJêWKӭc tұp thӇÿҭy mҥnh tinh thҫn hӧSWiFSKӕi hӧSWURQJ47'1'YjWURQJWRjQ[mKӝi WUrQFѫVӣ hӧSWiFJLӳDFiF47'1'WURQJQѭӟFYj QJRjLQѭӟFWKHRTX\ÿӏnh cӫDSKiSOXұt cӫa mӛi quӕFJLDYjSKiWOXұt quӕc tӃ

MөFWLrXFKtQKFӫa QTDND: Giҧi quyӃt ÿѭӧF\rXFҫu cung cҩSFiF dӏch

vө WjLFKtQKQJkQKjQJ mӝWFiFKWKXұn tiӋQWKѭӡQJ[X\rQYjәQÿӏQKOkXGjL

vӟi mӭFJLiFҧ FyWKӇ chҩp nhұQÿѭӧFÿӇ FiFWKjQKYLrQFyWKӇ QkQJFDRKLӋu quҧ sҧn xuҩWNLQKGRDQKYjTXDÿyWKXÿѭӧc lӧi nhuұn cao nhҩt tӯ hoҥWÿӝng sҧn xuҩt kinh doanh cӫDULrQJPuQKFKӭ NK{QJSKҧLWUѭӟc hӃt nhҵm mөFWLrXWKXÿѭӧc lӧi tӭc vӕQJySFDRQKҩt tӯ FiFKRҥWÿӝng cӫa QTDND

*ySSKҫQ GX\WUu әQÿӏQKYjSKiWWULӇQNLQKWӃ- [mKӝLWҥRFѫKӝLFyYLӋFOjPKҥQFKӃWuQKWUҥQJWKҩWQJKLӋSYjGLGkQWӯNKXYӵFQ{QJWK{QUDWKjQKWKӏ, KҥQFKӃÿѭӧFWuQKWUҥQJQJKqRYjFұQQJKqR, WLӃQGҫQÿӃQ[yDEӓKLӋQWѭӧQJ FKRYD\QһQJOmLFӫDNKX YӵF7X\QKLrQWURQJÿLӅXNLӋQNLQKWӃWKӏWUѭӡQJFҥQK WUDQK QJj\ FjQJ JD\ JҳW ÿӇ ÿҧP EҧR NKҧ QăQJ FҥQK WUDQK FӫD PuQKWURQJTXiWUuQKKRҥWÿӝQJFiF47'1'YӯDSKҧLÿҧPEҧRÿӫWUDQJWUҧLFiFFKLSKtÿmEӓUDYӯDSKҧLÿҧPEҧRFyWtFKONJ\YӟLTX\P{QJj\ FjQJOӟQÿӇSKiWWULӇQQKҵPPөFWLrXKӛWUӧFiFWKjQKYLrQÿѭӧFOkXGjLYӟLÿLӅXNLӋQQJj\FjQJWKXұQOӧLKѫQFKҩWOѭӧQJWӕWKѫQFKLSKtKӧSOêKѫQ

HӋ thӕng QTDND tӯ QTDND tҥL [m SK˱ͥng) - 47'1' 9 ÿӃn 47'1'7ѬOLrQNӃt (hi͏QQD\ÿ˱ͫc g͕LOj1JkQKjQJ HͫSWiF[m) NhiӋm vө

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: PKiWWULӇn hӋ thӕQJFyFKӭFQăQJÿҥi diӋn bҧo vӋ quyӅn lӧLÿӏQKKѭӟQJSKiWtriӇn cung cҩSFiFGӏch vө WѭYҩQWK{QJWLQWKӵc hiӋn kiӇPWRiQTXҧQOêTXӻ DQWRjQYjÿjRWҥo nguӗn lӵFFKRWRjQKӋ thӕng QTDND /LrQNӃWÿӇ tҥRQrQsӭc mҥnh tәng hӧSYjSKiWWULӇn cӫa QTDND, tҥo ra nguӗn lӧi hӧSSKiSJLӳa FiFErQOLrQTXDQ

7KHRYăQEҧn sӕ 07/VBHN-VPQH hӧp nhҩt LuҩWFiFWә chӭFWtQGXQJQuӕc hӝL EDQ KjQK QJj\  &y TX\ ÿӏnh quyӅn cӫD 47'1' QKѭsau:

- ĈѭӧFKX\ÿӝng vӕn, cho vay vӕQYjWKӵc hiӋQFiFGӏch vө QJkQKjQJNKiFWKHRJLҩ\SKpSKRҥWÿӝQJFyTX\Ӆn tӵ chӫ NLQKGRDQKYjWӵ chӏXWUiFKnhiӋm vӅ kӃt quҧ hoҥWÿӝng cӫDPuQK

- Nhұn vӕQWjLWUӧ cӫD1KjQѭӟc, cӫDFiFWә chӭFFiQKkQWURQJYjQJRjLQѭӟc

- <rX FҫX QJѭӡi vay cung cҩS FiF WjL OLӋu vӅ WjL FKtQK Vҧn xuҩt, kinh GRDQKOLrQTXDQÿӃn khoҧn vay

- Ĉѭӧc tuyӇn chӑn, sӱ dөQJÿjRWҥRODRÿӝng, lӵa chӑQFiFKuQKWKӭc trҧ OѭѫQJWKѭӣQJYjWKӵc hiӋQFiFTX\ӅQNKiFFӫDQJѭӡi sӱ dөQJODRÿӝng theo TX\ÿӏnh cӫDSKiSOXұt

- KӃt nҥSWKjQKYLrQPӟi, giҧi quyӃt viӋFWKjQKYLrQUDNKӓi quӻ, khai trӯ WKjQKYLrQWKHRTX\ÿӏnh cӫDĈLӅu lӋ QTDND

- QuyӃWÿӏQKSKkQSKӕi thu nhұp, xӱ OêFiFNKRҧn lӛ WKHRTX\ÿӏnh cӫa SKiSOXұWYjĈLӅu lӋ QTDND

- QuyӃWÿӏQKNKHQWKѭӣQJYj[ӱ phҥWÿӕi vӟLWKjQKYLrQ

- Tӯ chӕL \rX Fҫu cӫD FiF Wә chӭF Fi QKkQ WUiL YӟL TX\ ÿӏnh cӫD SKiSluұt

- Thӵc hiӋQFiFTX\ӅQNKiFFyOLrQTXDQWKHRTX\ÿӏnh cӫDSKiSOXұt 7UrQÿk\OjQKӳng nӝLGXQJOLrQTXDQÿӃn hoҥWÿӝng cӫa QTDND, Tӯ FiFQӝi dung cө thӇ ÿyJL~SFKRFiFQKjTXҧQOêKRҥFKÿӏQKFKtQKViFKFy

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nhӳng chӍ ÿҥRYjKѭӟng giҧi quyӃt nhҵPWăQJFѭӡng hoҥWÿӝng cӫa hӋ thӕng QTDND tӯ WUXQJѭѫQJÿӃQÿӏDSKѭѫQJ

1.2.2 ĈӕLYӟL%ҧRKLӇPWLӅQJӱLFKLQKiQKNKXYӵF

Bҧn chҩt cӫD%+7*OjEҧo hiӇm rӫi ro vӅ tiӅn gӱi tҥLFiF7&7'Bҧn chҩt cӫD %+7* ÿѭӧc thӇ hiӋQ TXD YDL WUz Fӫa BHTG ÿӕi vӟi hӋ thӕQJ WjL FKtQKQJkQKjQJ%+7*JL~SFKRKӋ thӕQJ7&7'WKXK~Wÿѭӧc nguӗn tiӅQQKjQUӛi cӫDQKkQGkQYjWiFÿӝng tӕWÿӃn sӵ SKiWWULӇn cӫD[mKӝLWUrQFѫVӣ hӧSWiFFiQ ErQFQJFyOӧi 9DLWUzFӫD%+7*ÿѭӧc thӇ hiӋn cө thӇ QKѭVDX

MӝW Oj, %+7* [k\ Gӵng nӅn tҧQJ WkP Oê WtFK Fӵc cӫD NKiFK KjQJ ÿӕi

vӟi hӋ thӕQJFiFQJkQKjQJ

7K{QJTXDQJKLӋp vө ÿѭӧFJLDROjWLӃQKjQKNLӇPWUDJLiPViWYLӋc thӵc hiӋQTX\ÿӏnh cӫD1JkQKjQJ1KjQѭӟF'RÿyNKiFKKjQJFyWKӇ \rQWkPYjÿѭӧc bҧo vӋ WK{QJTXDQJKLӋp vө %+7*ĈLӅXQj\OjPҧQKKѭӣQJWtFKFӵc ÿӃQWkPOêÿiPÿ{QJWkPOêTXҫQFK~QJSKӕi hӧSÿӕi vӟi hӋ thӕQJQJkQKjQJ

+DL Oj, BHTG ÿ˱ͫF [iF ÿ͓QK Oj F˯ Vͧ quan tr͕ng cho h͏ th͙ng QJkQ KjQJFͯa qu͙c gia GX\WUuYjSKiWWUL͋n b͉n vͷng

;HP [pW Yj ÿiQK JLi GѭӟL WiF ÿӝng cӫD %+7* ÿӕi vӟi hӋ thӕQJ QJkQKjQJYDLWUzÿѭӧc thӇ hiӋQTXDFiFQӝi dung sau:

- %+7* Oj WLӅQ ÿӇ FKR QJkQ KjQJ Pӟi mӣ Yj FiF QJkQ KjQJ KRҥW ÿӝng FKѭDWӕWFyFѫKӝi ÿӇ Yѭӧt qua nhӳQJJLDLÿRҥn khӫng hoҧng ĈӇ gӱi tiӅQYjRmӝWQJkQKjQJQjRÿyWUѭӟc hӃWQJѭӡi gӱi tiӅQOjNKiFKKjQJFiQKkQKRһFFѫquan tә chӭFWKѭӡQJWuPKLӇu vӅ TX\P{FӫDQJkQKjQJÿy7KHRWkPOêFKXQJNKiFKKjQJVӁ WuPÿӃn nhӳQJQJkQKjQJFyTX\P{OӟQWKѭѫQJKLӋu tӕWÿӇ gӱi tiӅQYjRÿy'RYұ\NKL%+7*UDÿӡLJL~SFKRNKiFKKjQJ\rQWkPKѫQNKLgӱi tiӅQYjFiFQJkQKjQJQKӓ mӟLUDÿӡLYjTX\P{QKӓ FyFѫKӝLÿӇ WKXK~Wnguӗn tiӅn tӯ NKiFKKjQJÿy9uNKLFy%+7*NKiFKKjQJVӁ \rQWkPKѫQYjR

hӋ thӕQJ QJkQ KjQJ TXӕc gia .KL Pj FiF QJkQ KjQJ  PӟL UD ÿӡi hoһF QJkQ

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KjQJ FzQ ÿDQJ Yҩt vҧ vӟi nhӳQJ NKy NKăF WUѭӟc mҳW WKu %+7* ÿѭӧF FRL OjF{QJFө JL~SQJkQKjQJPӟLÿLYjRKRҥWÿӝng әQÿӏQKYjYѭӧWTXDÿѭӧc nhӳng NKyNKăQPDQJWtQKWKӡLÿLӇm

- Ĉӕi vӟi QKyPQJkQKjQJKRҥWÿӝng thұt sӵ yӃXNpPWKұPFKtNK{QJWKӇ tiӃp tөc hoҥWÿӝQJÿѭӧc nӳDWKu%+7*VӁ tҥRFѫKӝLFKRQJkQKjQJÿyU~WNKӓi thӏ WUѭӡng cҥnh tranh mӝW FiFK DQ WRjQ Yj NK{QJ Jk\ ELӃQ ÿӝng lӟQ ÿӃn hӋ thӕQJ QJkQ KjQJ QyLULrQJ Yj FKtQKViFK NLQK tӃ cӫD ÿҩWQѭӟF QyL FKXQJVӟi chӭF QăQJ QKLӋm vө cӫD %+7* Oj NLӇP WUD Yj JLiP ViW Wә chӭc BHTG sӱ dөQJFiFF{QJFө, biӋQSKiSQJKLӋp vө ÿӇ ÿiQKJLiKLӋn trҥng hoҥWÿӝng cӫa FiFWә chӭc tham gia BHTG, tӯ ÿyVӁ FyQKӳng quyӃWViFKWURQJYLӋc hӛ trӧ FiFQJkQKjQJKRҥWÿӝQJNpPKLӋu quҧ cө thӇ QKѭ sau:

LұS ÿӅ iQ Vҳp xӃS Fѫ Fҩu tә chӭF FKLD WiFK ViS QKұp, giҧi thӇ vӟi hӋ thӕQJQJkQKjQJNKiF7\YjRWuQKKuQKWKӵc tӃ ÿӇ FyJLҧLSKiSJLҧi quyӃWFiFQJkQKjQJ\ӃXNpP

Thӵc hiӋn tә chӭFWѭYҩQYjÿӏQKJLiWjLVҧQWKDQKOêWjLVҧQÿӇ thӵFQJKƭD

vө vӅ WjLFKtQKEҧo vӋ quyӅn lӧLQJѭӡi gӱi tiӅQFyWLӅn lӟQKѫQPӭc chi trҧ cӫa

%+7* Yj FiF QKyP ÿӕL WѭӧQJ NKiF NK{QJ Fy Eҧo hiӇm tiӅn gӱi Thӵc hiӋn QJKƭD Yө chi trҧ FKR QJѭӡi gӱi tiӅQ WKHR TX\ ÿӏnh cӫD 1Kj Qѭӟc hiӋn KjQKViӋc thӵc hiӋQFiFQӝLGXQJQj\Fӫa BHTG sӁ JL~SFiFQJkQKjQJFKҩm dӭt hoһc chuyӇQVDQJKuQKWKӭc hoҥWÿӝQJNKiFWKHRTX\WUuQKYjEѭӟFÿLFө thӇ, thӵc hiӋQWUiFKQKLӋPÿѭӧc vӟLQJѭӡi gӱi tiӅQPjNK{QJJk\ELӃQÿӝng lӧQÿӃn

hӋ thӕQJQJkQKjQJ

- HoҥW ÿӝng BHTG tҥo Fѫ KӝL Yj FNJQJ Oj WKiFK WKӭc ÿӇ FiF QJkQ KjQJkiӇPVRiWKRҥWÿӝng lүn nhauWK~Fÿҭy QkQJFDRFKҩWOѭӧng dӏch vө&iFQJkQKjQJOX{QQҵm trong quy luұt cҥQKWUDQKFQJSKiWWULӇn Trong quy luұt cҥnh WUDQKErQFҥnh hiӋQWѭӧQJQJkQKjQJOӟn FyWKӇ WKkXWyPWKӏ WUѭӡQJSKiYӥ hoҥWÿӝng cӫDFiFQJkQKjQJQKӓ mӟLUDÿӡLWKuQKӡ FyWә chӭc BHTG sӁ tҥo ÿLӅu kiӋQ ÿӇ FiF QJkQ Kӛ trӧ lүn nhau bҵQJ FKtQK QJXӗn lӵc cӫa cӝQJ ÿӗng

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WKjQKYLrQ

%DOj, BHTG tҥRÿLӅu kiӋQKX\ÿӝQJÿѭӧc nguӗn tiӅQQKjQUӛi tURQJGkQFѭ[k\Gӵng quӻ SKiWWULӇn bӅn vӳng

HiӋQQD\ÿDVӕ ӣ FiFEӝ phұQGkQFѭFyQJXӗn tiӅQWtFKFySFKѭDVӱ dөng

hӑ chӑn giҧi SKiSJӱL QJkQ KjQJJyS WLӅQ YjR FiFGRDQKQJKLӋp hoһc tӵ cҩt giӳ tҥLQKj6ӵ DQWRjQFӫa hӋ thӕQJQJkQKjQJGRKRҥWÿӝng BHTG mang lҥi

sӁ QJѭӡLGkQFy[XKѭӟng gӱi tiӅQYjRQJkQKjQJQKLӅXKѫQYjәQÿӏQKKѫQNhӡ FyVӵ KX\ÿӝQJÿѭӧc nguӗn tiӅn tiӃt kiӋPWURQJGkQFѭ&KtQKSKӫ sӁ dӉ UjQJKѫQWURQJWKӵc hiӋQFKtQKViFKF{QJFӫDÿҩWQѭӟF1KѭQJPXӕQKX\ÿӝng ÿѭӧc nguӗn tiӅn tiӃt kiӋPQj\әQÿӏQKKD\NK{QJFzQSKө thuӝFYjRKRҥWÿӝng cӫDQJkQKjQJ1JkQKjQJKRҥWÿӝQJNpPәQÿӏnh, sӁ Jk\WkPOêKRDQJPDQJWURQJGkQFѭGRYұy nguӗn vӕn cӫD1KjQѭӟc bӏ ҧQKKѭӣQJ1Jѭӧc lҥL1JkQKjQJKRҥWÿӝQJX\WtQQJXӗn tiӅn tiӃt kiӋPÿѭӧc duy truәQÿӏnh, hӋ thӕQJWjLFKtQKTXӕc gia әQÿӏQK&yWKӇ thҩy rҵQJ%+7*JLiQWLӃp tҥRUDFѫFKӃ WKXK~Wvӕn cӫa hӋ thӕQJQJkQKjQJ

1KѭYұ\%+7*OjQKkQWӕ quan trӑng әQÿӏQKFKtQKViFKWLӅn tӋ quӕc gia Nhӳng nӝLGXQJFKtQKWURQJKRҥWÿӝng cӫa BHTG

- Hoҥt ÿӝng cҩSYjWKXKӗi giҩy chӭng nhұn tham gia Bҧo hiӇm tiӅn gӱi Chӭng nhұn Bҧo hiӇm tiӅn gӱi mӝt loҥi giҩy tӡ do tә chӭF%+7*SKiWKjQK[iFÿӏnh giao dӏFKSKiWVLQKJLӳa TCTD nhұn tiӅn gӱi cӫDNKiFKKjQJWK{QJTXDQJKLӋp vө vӅ WUuQKWӵ thӫ tөc thҭPÿӏnh vjÿiQKJLiÿӫ ÿLӅu kiӋn bҧo hiӇPWKHRTX\ÿӏnh cӫD3KiSOXұWYjFiFYăQEҧQKѭӟng dүQFKX\rQQJjQK Chӭng nhұn BHTG Oj YăQ EҧQ SKiS SKiS Oê WURQJ ÿy TX\ ÿӏnh cө thӇ quyӅQYjQJKƭDYө SKiSOêFӫDFiFErQOLrQTXDQĈӕi vӟLQJѭӡi gӱi tiӅn, hӑ ÿѭӧFSKiSOXұt bҧo vӅ vӅ mһWSKiSOêÿӕi vӟi khoҧn tiӅn hӑ gӱLWURQJWUѭӡng hӧp TCTD hoһF1JkQKjQJPҩt khҧ QăQJFKLWUҧSKiVҧn tә chӭc BHTG sӁ OjErQWKӭ ba thӵc hiӋQYDLWUzFKLWUҧ FKRNKiFKKjQJ1Kӡ ÿyKӋ thӕQJQJkQKjQJÿҧm bҧRÿѭӧFWtQKәQÿӏQKWKXK~Wÿѭӧc nJѭӡi gӱi tiӅn

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7URQJWUѭӡng hӧS1JkQKjQJEӏ SKiVҧQWKHRYăQEҧn cӫDFѫTXDQQKjQѭӟFFyWKҭm quyӅQWKuWә chӭc BHTG sӁ thӵc hiӋn thu hӗi giҩy chӭng nhұn WKDPJLD%+7*WKHRTX\ÿӏnh

- Ho̩Wÿ͡QJWKXSKtE̫o hi͋m ti͉n g͵i

Theo Luұt bҧo hiӇm tiӅn gӱL TX\ ÿӏnh 3Kt Eҧo hiӇm tiӅn gӱi Oj NKRҧn tiӅQ Pj Wә chӭc tham gia bҧo hiӇm tiӅn gӱi phҧi nӝp cho tә chӭc bҧo hiӇm tiӅn gӱL ÿӇ bҧo hiӇm cho tiӅn gӱi cӫD QJѭӡL ÿѭӧc bҧo hiӇm tiӅn gӱi tҥi tә chӭc tham gia bҧo hiӇm tiӅn gӱi

7UrQ Fѫ Vӣ SKkQ ORҥL FiF 7&7' 1+1191 QJKLrQ FӭX Yj [k\ GӵQJNKXQJSKt%+7*YjWUuQK7KӫWѭӟQJ&KtQK3Kӫ[HP[pWUDTX\ӃWÿӏQK'RYұ\&KtQK3KӫOjFѫTXDQFDRQKҩWTX\ӃWÿӏQKÿӃQPӭFSKu%+7*FKRPӝWTXӕFJLD

+jQJWKiQJFiFWәFKӭFWKDPJLD%+7*WtQKPӭFSKtYjWKӵFKLӋQQӝSSKtWKHRTXêWtQKWKHRQăPWjLFKtQKWӯQJj\WKiQJÿӃQQJj\WKiQJKҵQJ QăP 3Kt %+7* ÿѭӧF ÿѭD YjR Vә ViFK NӃ WRiQ Yj WtQK FKL SKt FӫD WәFKӭFWKDPJLD%+7*

- 3KѭѫQJSKiSWtQKSKt%+7*

&ѫ VӣWtQK SKt %+7* Oj Vӕ Gѭ EuQKTXkQ WLӅQ JӱLÿѭӧFEҧRKLӇP YjPӭF SKt %+7* WKHR TX\ ÿӏQK 6ӕ Gѭ EuQK TXkQ WLӅQ JӱLÿѭӧF EҧRKLӇP OjWRjQEӝVӕGѭWLӅQJӱLEuQKTXkQFӫDFiFORҥLWLӅQJӱLÿѭӧFEҧRKLӇPWҥLWәFKӭFWKDPJLD%+7*FӫDTXêWUѭӟFOLӅQNӅTXêWKXSKt

&{QJWKӭFWtQKSKt%+7*ÿӏQKNǤKjQJTXê

7URQJÿy

- 3OjVӕSKt%+7*SKҧLQӝSFӫDTXêWKXSKt

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- 6OjVӕGѭWLӅQJӱLÿѭӧFEҧRKLӇPÿҫXWKiQJWKӭQKҩWFӫDTXêWUѭӟFOLӅQNӅTXêWKXSKt

- 666OjVӕGѭWLӅQJӱLÿѭӧFEҧRKLӇPFXӕLFiFWKiQJWKӭQKҩWWKӭKDLWKӭEDFӫDTXêWUѭӟFOLӅQNӅTXêWKXSKt

- POjPӭFSKt%+7*SKҧLQӝS

&{QJWKӭFWtQKSKt%+7*NǤSKtÿҫXWLrQFӫDWәFKӭFWKDPJLD%+7*PӟLWKjQKOұSYjKRҥWÿӝQJ

7URQJÿy

3OjVӕSKt%+7*SKҧLQӝSFӫDTXêÿҫXWLrQ

6LOjVӕGѭWLӅQJӱLÿѭӧFEҧRKLӇPFXӕLQJj\WKӭL L -!Q FӫDTXêÿҫXWLrQ

POjPӭFSKt%+7*SKҧLQӝS

- Ho̩Wÿ͡ng JLiPViW

VӟLYDLWUzWKHRTX\ÿӏnh cӫDSKiSOXұt, hoҥWÿӝQJJLiPViWFӫa tә chӭc

%+7* ÿѭӧc thӵc hiӋQ WK{QJ TXD FiF NrQK WK{QJ WLQ QKѭ VDX 3KҧQ iQK Wӯ SKtDNKiFKKjQJGѭOXұQ[mKӝLYjFiFQӝLGXQJWUDRÿәi trong thӵc hiӋn nӝi GXQJ F{QJ YLӋF 7URQJ TXi WUuQK KRҥW ÿӝng, BHTG ViӋW 1DP ÿm Fy QKӳng Eѭӟc tiӃn mӟi trong nӝLGXQJJLiPViWSKKӧp vӟi luұWSKiSTXӕc tӃ YjWKӵc tiӉn nӝL GXQJ 7KѭӡQJ [X\rQ Uj VRiW ÿәi mӟi, cҧi tiӃn chҩW OѭӧQJ EiR FiRJLiPViW

4XDFiFNǤ%iRFiR JLiPViW%+7*ÿmSKiWKLӋQNӏSWKӡLQKLӅXWUѭӡQJKӧSFiFWәFKӭFWtQGөQJYLSKҥPTX\ÿӏQKYӅDQWRjQWURQJKRҥWÿӝQJQJkQKjQJWLӅPҭQQJX\FѫUӫLURFyWKӇJk\PҩWDQWRjQWURQJKӋWKӕQJQJkQKjQJ

- Ho̩Wÿ͡ng ki͋m tra

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HoҥWÿӝng kiӇPWUDOj Pӝt trong nhӳng hoҥWÿӝng nghiӋp vө quan trӑng cӫD%+7*91Yjÿѭӧc thӵc hiӋn ngay tӯ khi BHTGVN mӟLWKjQKOұS9DLWUzcӫa hoҥWÿӝng kiӇPWUDÿmÿѭӧFSKiWKX\WKӇ hiӋQWUrQPӝt sӕ mһt sau:

+ HoҥWÿӝng kiӇPWUDSKiWKLӋQYjNLӃn nghӏ biӋQSKiS[ӱ OêQKӳQJKjQK

vi vi phҥPSKiSOXұt vӅ BHTG

7K{QJTXDF{QJWiFNLӇm tra BHTG ViӋW1DPÿmSKiWKLӋQFiFWUѭӡng hӧp vi phҥPFiFTX\ÿӏQKSKiSOXұt vӅ %+7*FNJQJQKѭYLSKҥPTX\ÿӏnh vӅ DQWRjQWURQJKRҥWÿӝQJQJkQKjQJĈһc biӋWOjÿӕi vӟLFiF47'1'ÿmÿiQKJLiÿѭӧc thӵc trҥnJWuQKKuQKKRҥWÿӝng cӫDFiF47'1'PӝWFiFKWRjQGLӋn KѫQ%rQFҥnh viӋc kiӇm tra viӋFWXkQWKӫ SKiSOXұWEѭӟFÿҫXÿiQKJLiÿѭӧc mӭFÿӝ rӫLURWtQGөQJYjUӫi ro hoҥWÿӝQJSKiWKLӋQÿѭӧc nhӳQJ47'FyQJX\FѫUӫLURFDRÿӇ cҧQKEiR

7K{QJTXDKRҥWÿӝng kiӇPWUDÿmJySSKҫn thӵc hiӋn mөFWLrXFӫDFKtQKViFK%+7*OjEҧo vӋ quyӅQYjOӧLtFKKӧSSKiSFӫDQJѭӡi gӱi tiӅQĈһc biӋt ÿӕi vӟLFiF47'1'[Ӄp loҥi ӣ mӭFYjPӭc 5, nӝi dung kiӇm tra tұp trung FKX\rQ VkX YӅ tiӅn gӱL ÿѭӧc bҧo hiӇP TXD ÿy ÿm Nӏp thӡi SKiW KLӋQ FiF VDLphҥP ÿӇ cҧQK EiR WӟL FiF 47'1' NLӃn nghӏ biӋQ SKiS NKҳc phөF Yj FKҩn chӍnh; bҧo vӋ quyӅn lӧi hӧSSKiSFӫDQJѭӡi gӱi tiӅn; hҥn chӃ FiFKjQKYLWUөc lӧi bҧo hiӇm tiӅn gӱi

7K{QJTXDKRҥWÿӝng kiӇPWUDÿmJySSKҫQ[k\GӵQJKuQKҧQKYjQkQJFDRX\WtQFӫD%+7*91ÿӕi vӟLFiFWә chӭFWKDPJLD%+7*7UrQFѫVӣ FiF

vi phҥPÿѭӧFSKiWKLӋn qua kiӇPWUDFiFÿRjQNLӇm tra cӫa BHTG ViӋt Nam ÿӅX[iFÿӏQKU}QJX\rQQKkQYjFyQKӳng cҧQKEiRNLӃn nghӏ [iFÿiQJJL~SÿѫQYӏ ÿѭӧc kiӇPWUDFyELӋQSKiS khҳc phөc kӏp thӡLJySSKҫQJL~SWә chӭc tham gia BHTG hoҥWÿӝQJQJj\FjQJәQÿӏQKYjKLӋu quҧ KѫQ

+ KӃt quҧ kiӇPWUDOjWK{QJWLQÿҫXYjRKӳXtFKFKRFiFKRҥWÿӝng nghiӋp

vө NKiFFNJQJQKѭSKөc vө cho viӋFQJKLrQFӭXKRjQWKLӋQFKtQKViFK%+7*QKѭ[k\ dӵng hӋ thӕQJSKt%+7*SKkQELӋW[iFÿӏnh hҥn mӭc chi trҧ BHTG

Trang 33

tӕLѭX[iFÿӏnh tӹ lӋ quӻ BHTG mөFWLrX«ÿӇ triӇn khai trong thӡi gian tӟi

7K{QJTXDKRҥWÿӝng cӫDPuQKF{QJWiFNLӇPWUDÿmJySSKҫQWtFKFӵc YjR YLӋF JL~S FiF Wә chӭc tham gia BHTG hiӇX ÿ~QJ Yj FKҩS KjQK QJKLrPchӍQKSKiSOXұt vӅ %+7*JySSKҫQQkQJFDRQKұn thӭc cӫDFiFWә chӭFQj\YӅ FKtQKViFKEҧo hiӇm tiӅn gӱLêWKӭc tӵ JLiFFKҩSKjQKFiFTX\ÿӏnh cӫDSKiSluұt vӅ bҧo hiӇm tiӅn gӱi, tӯ ÿyÿmJySSKҫQQkQJFDRKLӋu lӵc, hiӋu quҧ cӫa FKtQKViFK%+7*WăQJFѭӡQJSKiSFKӃ ;+&1JL~SÿѫQYӏ chҩn chӍQKF{QJWiFTXҧn trӏ ÿLӅXKjQKFNJQJQKѭYLӋFWXkQWKӫ SKiSOXұt

7X\rQWUX\Ӆn, quҧQJEiÿѭӧFFKtQKViFKFӫD1KjQѭӟc vӅ BHTGVN, WăQJFѭӡng mӕi quan hӋ giӳa BHTGVN vӟLFiFWә chӭc tham gia %+7*&iFÿѫQYӏ ÿmFyVӵ chuyӇn biӃQU}QpWYӅ TXDQÿLӇm nhұn thӭc, hiӇXU}KѫQYӅ chӭFQăQJQKLӋm vө, vӏ WUtYDLWUzYjKRҥWÿӝng cӫD%+7*91JySSKҫQÿҧm bҧRDQWRjQWURQJKӋ thӕQJFiFWә chӭc tham gia BHTG

- Ho̩Wÿ͡ng chi tr̫ ti͉n b̫o hi͋m

1JKƭD Yө WUҧ WLӅQ EҧR KLӇP FӫD %+7*91 ÿѭӧF WKӵF KLӋQ NӇ Wӯ NKL 1+11FyYăQEҧQFKҩPGӭW KRҥWÿӝQJNKLFiF WәFKӭFWtQGөQJOjWәFKӭFWKDP JLD %+7* YүQ OkP YjR WuQK WUҥQJ SKi VҧQ KRһF NK{QJ FzQ NKҧ QăQJWKDQKNKRҧQ

B+7*91 SKҧL WKӵF KLӋQ FKL WUҧ WLӅQ EҧR KLӇP FKR QJѭӡL ÿѭӧF %+7*tURQJWKӡLKҥQQJj\NӇWӯWKӡLÿLӇP\rXFҫXSKiWVLQKQJKƭDYөWUҧWLӅQEҧRKLӇP FyKLӋXOӵF'RTX\ÿӏQKYӅPһWWUuQKWӵWKӫWөFWKӡLJLDQQrQYLӋFFKLWUҧ FҫQ ÿѭӧF WKӵF KLӋQ ÿ~QJ WKӡL JLDQ Yj QKDQK FKyQJ FKR QJѭӡL JӱL WLӅQ0ӭFFKLWUҧEҧRKLӇPÿѭӧFWtQKWKHRPӭFSKt%+7*TX\ÿӏQKYjFiFFKӍVӕSKiW WULӇQ NLQK WӃ FӫD ÿҩW QѭӟF QKѭ FKӍ Vӕ OҥP SKiW *'3 EuQK TXkQ ÿҫXQJѭӡL

- Ho̩Wÿ͡ng tham gia qu̫QOêWKDQKOêWjLV̫n sau khi chi tr̫ b̫o hi͋m

&yWKӇ QyLTXiWUuQKWKDQKOêWjLVҧn tҥi FiF47'1'FKӏXWiFÿӝng tӯ

nhiӅXQKkQWӕWURQJÿyFyWKӇ kӇ ÿӃn nhӳng vҩQÿӅ QKѭVDX

Trang 34

\ӃX Wӕ SKiS Oê ÿӇ SKiW PҥL WjL VҧQ KRһF YLӋF SKiW PҥL FzQ YѭӟQJ PҳF GRQJѭӡLGkQHQJҥLPXDWjLVҧQOLrQTXDQÿӃQ\ӃXWӕSKiSOXұWKD\NK{QJÿҫ\ÿӫJLҩ\WӡSKiSOê

%ӝ Pi\ QKkQVӵ +ӝL ÿӗQJWKDQK Oê 0һF G +ӝLÿӗQJ WKDQKOê GR ĈҥLKӝLWKjQK YLrQ 47'1' TX\ӃW ÿӏQK WKjQK OұS WUrQ Fѫ Vӣ ÿӅ QJKӏ FӫD +ӝL ÿӗQJTXҧQWUӏ47'1' KRһFGR*LiPÿӕF&KLQKiQK1+11TX\ӃWÿӏQK7X\QKLrQKҫX KӃW FiF WKjQK YLrQ WKDP JLD +ӝL ÿӗQJ WKDQK Oê 47'1' Oj FiQ Eӝ FKӫFKӕWFӫDÿӏDSKѭѫQJÿѭӧFSKkQF{QJNLrPQKLӋPOjPF{QJWiFWKDQKOê

1.3 +R̩W ÿ͡QJ NL͋P WUD FͯD &KL QKiQK %̫R KL͋P WL͉Q J͵L ÿ͙L YͣL QTDND

1.3.1 1ӝLGXQJ

7KHRTX\ÿӏnh tҥLĈLӅu 6 Quy chӃ kiӇm tra cӫD%+7*91ÿӕi vӟi tә chӭc WKDP JLD %+7* EDQ KjQK NqP WKHR 4X\ӃW ÿӏnh sӕ 4Ĉ-BHTG-+Ĉ47

Trang 35

QJj\FӫD+Ĉ47%+7*91KLӋn nay BHTGVN thӵc hiӋn kiӇm tra FiFQӝi dung sau:

(1) KiӇm tra viӋc chҩSKjQKFiFTX\ÿӏnh cӫDSKiSOXұt vӅ bҧo hiӇm tiӅn gӱi trong thӡi kǤ kiӇm tra, gӗm:

(i) NhӳQJWKD\ÿәi, bә sung vӅ hӗ VѫSKiSOêWKDPJLDEҧo hiӇm tiӅn gӱi; (ii) ViӋc quҧQOêYjQLrP\Ӄt Chӭng nhұn tham gia bҧo hiӇm tiӅn gӱi; (iii) ViӋFWtQKYjQӝSSKtEҧo hiӇm tiӅn gӱi;

(iv) ViӋc hҥFKWRiQTXҧQOêWjLNKRҧn tiӅn gӱLÿѭӧc bҧo hiӇPYjKӗ VѫWjLOLӋu, sә ViFKFKӭng tӯ OLrQTXDQÿӃn tiӅn gӱLÿѭӧc bҧo hiӇm;

(v) ViӋc cung cҩSWK{QJWLQYӅ tiӅn gӱLÿѭӧc bҧo hiӇPFiFWK{QJWLQYjEiRFiRNKiFWKHR\rXFҫu cӫa Bҧo hiӇm tiӅn gӱi ViӋt Nam

(2) KiӇm tra viӋc thӵc hiӋQFiFNLӃn nghӏ WURQJYăQEҧn kӃt luұn cӫDÿӧt

kiӇPWUDWUѭӟc (WURQJWU˱ͥng hͫp c̯n thi͇t)

(3) KiӇPWUDFiFQӝLGXQJNKiFWKHR\rXFҫu hoһc ӫy quyӅn cӫDFѫTXDQquҧQOêQKjQѭӟFFyWKҭm quyӅQWKHRTX\ÿӏnh cӫDSKiSOXұt

7UrQFѫVӣ FiFQӝi dung kiӇPWUDQrXWUrQFăQFӭ WuQKKuQKKRҥWÿӝng cӫa ÿӕLWѭӧng kiӇPWUDQJѭӡi ra quyӃWÿӏnh kiӇm tra quyӃWÿӏnh kiӇPWUDWRjQEӝ FiFQӝi dung hoһc mӝt sӕ nӝLGXQJWUrQ

1.3.2 %ӝPi\WKӵFKLӋQ

*LiPÿӕFFKLQKiQKUDTX\ӃWÿӏnh kiӇPWUDFiF47'1'WUrQÿӏDEjQWKHRÿӏnh kǤ kӃ hoҥch kiӇPWUDKjQJQăPGR7әQJJLiPÿӕF%+7*91SKrGX\Ӌt 7Uѭӟc khi ra quyӃWÿӏnh kiӇPWUD*LiPÿӕFFKLQKiQKFăQFӭ YjR\rXFҫu cӫa cuӝc kiӇPWUDÿӇ quyӃWÿӏnh viӋc khҧRViWQҳPWuQKKuQKÿӕLWѭӧng kiӇm tra Nӝi dung, thӡi gian khҧRViWQҳPWuQKKuQKSKkQF{QJQKLӋm vө FiFSKzQJEDQGR*LiPÿӕFKѭӟng dүn cө thӇ

7KjQKOұSÿRjQNLӇm tra tҥLFKLQKiQKGR*LiPÿӕFFKLQKiQKTX\ӃWÿӏnh gӗPWUѭӣQJÿRjQYj FiFWKjQKYLrQÿRjQNLӇPWUDWUѭӡng hӧp cҫn thiӃWÿRjQ

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kiӇPWUDFy3KyWUѭӣQJÿRjQJL~S7UѭӣQJÿRjQWKӵc hiӋn nhiӋm vө ÿѭӧc giao, phө WUiFKPӝt sӕ hoҥWÿӝng cӫDÿRjQNKLÿѭӧFWUѭӣQJÿRjQJLDR

7UѭӣQJÿRjQNLӇPWUDOj QJѭӡi ÿѭӧFFyTuyӃWÿӏQKOjPWUѭӣng ÿRjQNLӇm WUD 7UѭӣQJ ÿRjQ Fy FKӭF QăQJ QKLӋm vө theo quyӃW ÿӏnh cө thӇ thӵc hiӋn nhiӋm vө kiӇPWUDSKkQF{QJF{QJWiFFKRFiFWKjQKYLrQÿRjQNLӇm tra, giҧi quyӃWFiFYҩQÿӅ mӟLSKiWVLQKNKLWKӵc hiӋn nhiӋm vө

Nhi͏m vͭ, quy͉n h̩n cͯDÿRjQNL͋PWUDFKLQKiQK

Tә chӭc thӵc hiӋn cuӝc kiӇPWUDWKHRÿ~QJÿӕLWѭӧng, phҥm vi, nӝi dung, thӡi kǤ YjWKӡi hҥn kiӇPWUDÿmJKLWURQJTX\ӃWÿӏnh kiӇPWUDWXkQWKӫ Quy chӃ kiӇm tra cӫa Bҧo hiӇm tiӅn gӱi ViӋW1DPÿӕi vӟi tә chӭc tham gia bҧo hiӇm vjnӝi quy cӫDÿӕLWѭӧng kiӇm tra

&yTX\ӅQ\rXFҫXÿӕLWѭӧng kiӇm tra cung cҩSWK{QJWLQWjLOLӋXEiRFiRbҵQJYăQEҧQYjJLҧLWUuQKQKӳng vҩQÿӅ OLrQTXDQÿӃn nӝi dung kiӇm tra

QuҧQOêYjVӱ dөQJFiFWK{QJWLQYjWjLOLӋXGRÿӕLWѭӧng kiӇm tra cung cҩSÿ~QJPөFÿtFKFKҩSKjQKFKӃ ÿӝ bҧo mұWWKHRTX\ÿӏnh;

LұSELrQEҧn kiӇm tra ghi nhұn thӵc trҥQJWuQKKuQKNӃt quҧ kiӇPWUDYjQJX\rQ QKkQ FiF WӗQ WDL VDL VyW ÿm ÿѭӧF SKiWKLӋQ TXD NLrP WUD 7K{QJ TXDELrQEҧn kiӇm tra vӟLÿӕLWѭӧng kiӇm tra;

+uQKWKӭFYjF{QJFөWULӇQNKDL

- +uQKWKͱFNL͋PWUD

+ KiӇPWUDÿӏnh kǤ: theo kӃ hoҥFKKjQJQăPÿѭӧF+Ĉ47SKrGX\ӋWYjTәQJJLiPÿӕc giao;

+ KiӇPWUDÿӝt xuҩt khi:

L 3KiWKLӋQÿӕLWѭӧng kiӇPWUDFyGҩu hiӋu vi phҥPTX\ÿӏnh cӫDSKiSluұt vӅ %+7*ÿӃn mӭc cҫn kiӇPWUDWKHR\rXFҫu cӫDSKzQJEDQFKӭFQăQJOLrQTXDQFӫa BHTGVN hoһFNKLFy\rXFҫu cӫD%DQOmQKÿҥo BHTGVN;

Trang 37

LL 7KHRÿӅ nghӏ cӫD1+11FKLQKiQKWӍQKWKjQKSKӕ hoһF\rXFҫu cӫa

&ѫTXDQ7KDQKWUDJLiPViWQJkQKjQJ7KDQKWUD&KtQKSKӫ hoһFFѫTXDQQKjQѭӟFFyWKҭm quyӅQNKiF

.KLSKiWVLQKÿӕLWѭӧng cҫn kiӇPWUDÿӝt xuҩWÿѫQYӏ kiӇPWUDFyWUiFKnhiӋPEiRFiRNӏp thӡi bҵQJYăQEҧQWUuQK7әQJJLiPÿӕF[HP[pWSKrGX\Ӌt

- &{QJFͭ ki͋m tra

+ H͏ th͙QJ YăQ E̫n qu̫Q Oê QKj Q˱ͣc: /jFăQFӭOjFѫVӣ phiSOêÿӇ

thӵc hiӋQF{QJWiFNLӇm tra cӫD%+7*ÿӕi vӟLFiF7&7'

Bҵng hӋ thӕQJYăQEҧn quҧQOêQKjQѭӟFOjF{QJFө thӇ thӵc hiӋn kiӇm tra

vӅ viӋc chҩSKjQKTX\ÿӏnh BHTG gӗm:

7KHRTX\ÿӏnh cӫDSKiSOXұt viӋc chҩSKjQKFiFTX\ÿӏnh vӅ BHTG bao gӗm TX\ÿӏnh vӅ WtQKF{QJNKDLYjPLQKEҥch trong viӋc tham gia BHTG; quy ÿӏnh vӅ cung cҩSWK{QJWLQFKRWә chӭc BHTG theo phҥPYLÿѭӧFFKRSKpSFӫa

tә chӭF%+7*TX\ÿӏnh vӅ WtQKYjQӝSSKt%+7*&iFTX\ÿӏnh vӅ viӋc bҧo ÿҧP DQ WRjQWURQJKRҥWÿӝQJQJkQKjQJEDRJӗm: TX\ ÿӏnh vӅ bӝ Pi\ ÿLӅu KjQKYjTXҧn trӏ QJkQKjQJTX\ÿӏnh vӅ DQWRjQWURQJKRҥWÿӝQJQJkQKjQJ

(FKR YD\ KX\ÿ͡ng v͙n, b̫R OmQK Pͧ WK˱ WtQ Gͭng, tẖPÿ͓nh d͹ iQ  quy

ÿӏnh vӅ OLrQGRDQKOLrQNӃt

Thӵc tiӉn cho thҩ\ WURQJ F{QJ WiF NLӇm tra nӃu ciF YăQ EҧQ SKiS TX\NK{QJU}UjQJWKLӃXÿҫ\ÿӫ YjWKLӃXÿӗng bӝ sӁ OjPҧQKKѭӣQJÿӃn kӃt quҧ cӫa F{QJWiFNLӇm tra cӫD%+7*ÿӕi vӟLFiF7&7'%ӣi vұy, hӋ thӕQJFKtQKViFK

vӅ %+7*ÿӕi vӟLFiF7&7'SKҧLÿѭӧF[k\GӵQJKRjQWKLӋQÿҧm bҧRWtQKPLQKbҥFKU}Ujng, dӉ hiӇu, dӉ thӵc hiӋn MһWNKiFTXDNLӇm tra phҧi tҥRUDÿѭӧc sӭFpSEXӝFFiF7&7'QkQJFDRKLӋu quҧ NLQKGRDQKĈk\FNJQJOj\Ӄu tӕ quan trӑng nhҵm lұp lҥi trұt tӵ kӹ FѭѫQJWURQJTXҧn trӏ FiF7&7'YjWҥRÿLӅu kiӋn thuұn lӧLFKRFiF7&7'FyWkPWKӃ sҹn VjQJYӳQJYjQJFKӫ ÿӝng khi tham gia hӝi nhұSYjRQӅn kinh tӃ trong khu vӵFFNJQJQKѭWUrQWKӃ giӟi

&iFFKͱng tͳ g͙c

Trang 38

&iQEӝ kiӇm tra cҫn tiӃQKjQKVRViQKÿӕi chiӃXFiFFKӭng tӯ, cҫn kiӇm tra ÿӇ [iFÿӏQKWtQKKӧSOêNKiFKTXDQWUXQJWKӵc cӫa chӭng tӯÿӕi chiӃXWjLliӋu, sӕ liӋu cӫD ÿӕL Wѭӧng kiӇm tra vӟL FiF ÿѫQ Yӏ Yj Fѫ TXDQ Fy OLrQ TXDQNKiFÿӕi chiӃu giӳDEiRFiRNӃ WRiQYӟi sә kӃ WRiQJLӳa sә kӃ WRiQWәng hӧp vӟi chi tiӃt, giӳa sӕ liӋXYjFKӭng tӯ, giӳa sӕ liӋXEiRFiRYjWKӵc tӃ, giӳa nӝi dunJWjLOLӋXEiRFiRVә ViFKFKӭng tӯ vӟi chuҭn mӵF«

&iFF˯Vͧ dͷ li͏u

ĈyOjFiFEiRFiRPӝt sӕ EiRFiRWKѭӡng kǤ QKѭ%iRFiRWjLFKtQKEiRFiRWKѭӡQJQLrQ%iRFiRFkQÿӕLWjLNKRҧn kӃ WRiQEiRFiRWKӕQJNrTX\Ӄt WRiQWKXӃ thu nhұp doanh nghiӋp, hRjQWKXӃ NqPWKHRFӫa tӯQJQăP«YjKӋ thӕng sә ViFKSKҧQiQKKRҥWÿӝQJKjQJTXêKjQJQăPFӫa TCTD

+ ĈL͉u ki͏n v̵t ch̭t

HoҥWÿӝng kiӇm tra trӵc tiӃp cӫD47'1'FzQWUӵc tiӃp chӏu sӵ WiFÿӝng cӫD FiF QKkQ Wӕ NKiF QKѭ WUDQJ WKLӃt bӏ phөc vө FKR ÿRjQ NLӇm tUD SKѭѫQJtiӋQÿLOҥLFKRFiQEӝ kiӇPWUD«

4X\WUuQKWKӵFKLӋQ

4X\ WUuQK WKӵc hiӋn kiӇP WUD Kѭӟng dүQ FKR FiQ Eӝ kiӇm tra trӵc tiӃp nhӳQJEѭӟFF{QJYLӋc cҫn thӵc hiӋn cho mӝt cuӝc kiӇm tra

- Chuҭn bӏ cho cuӝc kiӇm tra:

%˱ͣF;iFÿ͓nh n͡i dung ki͋m tra

&ăQFӭ chӍ ÿҥo cӫa TәQJJLiPÿӕc tҥL&{QJYăQJLDRNӃ hoҥch kiӇm tra, ÿӗng thӡi qua kӃt quҧ WKHR G}L JLiP ViW WuQK KuQK KRҥW ÿӝng cӫD ÿӕL Wѭӧng kiӇPWUDÿѫQYӏ kiӇm tra quyӃWÿӏnh kiӇm tra tҩt cҧ hoһc mӝt sӕ nӝi dung kiӇm WUDWKHRTX\ÿӏnh Tӯ ÿy[k\Gӵng kӃ hoҥFKÿӅ FѭѫQJNLӇPWUDSKKӧp

%˱ͣc 2: Thu th̵SWK{QJWLQ

6DX NKL [iF ÿӏnh cө thӇ nӝi dung kiӇP WUD 3KzQJ LӇm tra tҥi Trө sӣ FKtQK &KL QKiQK %+7*91 WLӃQ KjQK WKX WKұS WK{QJ WLQ OLrQ TXDQ WӟL ÿӕi Wѭӧng kiӇm tra bҵng mӝWWURQJEDFiFKVDX

Trang 39

- &iFK7KXWKұp dӳ liӋu trӵc tiӃp tӯ FiFSKzQJEDQOLrQTXDQ

7K{QJWLQYӅ WuQKKuQKWtQKYjQӝSSKt%+7*FӫDÿӕLWѭӧng kiӇm tra trong thӡi kǤ kiӇm tra; ViӋc chҩSKjQKTX\ÿӏnh vӅ thӡi gian nӝSSKtYjVӕ SKt

phҥt do nӝp chұm (n͇XFy) trong thӡi kǤ kiӇm tra

7K{QJWLQYӅ Hӗ VѫSKiSOêWKDPJLD%+7*9LӋc cҩSYjWKXKӗi Chӭng nhұn tham gia BHTG; Sӕ OѭӧQJÿLӇm giao dӏFKFyQKұn tiӅn gӱi cӫDFiQKkQ7uQKKuQKWKӵc hiӋn chӃ ÿӝ WK{QJWLQEiRFiRFӫDÿӕLWѭӧng kiӇm tra trong thӡi

kǤ kiӇPWUDWKHRTX\ÿӏnh cӫa BHTGVN

- &iFK.KDLWKiFGӳ liӋXWUrQKӋ thӕng CDIS cӫa BHTGVN

- &iFK.KDLWKiFGӳ liӋXWUrQKӋ thӕQJWK{QJWLQEiRFiRFӫa NHNN WKHR TX\ ÿӏnh tҥL 7K{QJ Wѭ 77-1+11 QJj\  Fӫa Thӕng ÿӕc NHNN

%˱ͣF5jVRiWO̩i h͛ V˯NL͋m tra cͯa l̯n ki͋PWUDWU˱ͣc li͉n k͉

5jVRiWOҥi hӗ VѫNLӇPWUDWUѭӟc liӅn kӅ ÿӇ nҳm bҳWWuQKKuQKÿӕLWѭӧng kiӇm tra chҩSKjQKFiFTX\ÿӏQKSKiSOXұt vӅ bҧo hiӇm tiӅn gӱi, nhӳng tӗn tҥi YjNLӃn nghӏ GRĈRjQNLӇPWUDWUѭӟFÿѭDUD

%˱ͣc 4: Kh̫R ViW WU˱ͣc ki͋m tra (n͇u c̯Q  Yj EDQ KjQK YăQ E̫Q OLrQ quan tͣi cu͡c ki͋m tra

* Kh̫RViWWU˱ͣc ki͋m tra (n͇u c̯n)

TiӃQKjQKNKҧRViWWUѭӟc kiӇm tra (n͇u c̯n 7URQJWUѭӡng hӧp cҫn thiӃt

WUѭӟc khi ra quyӃWÿӏnh kiӇPWUDQJѭӡi ra quyӃWÿӏnh kiӇm tra chӍ ÿҥo viӋc khҧo ViWQҳm tuQKKuQKÿӕi vӟLÿӕLWѭӧng kiӇPWUDÿӇ F{QJWiFNLӇPWUDÿѭӧc thӵc hiӋn thuұn lӧL U~W QJҳn thӡi gian kiӇm tra tҥL ÿѫQ Yӏ, nhҵP NK{QJ OjP ҧnh Kѭӣng tӟi hoҥWÿӝng cӫDÿѫQYӏ

6DX NKL [iF ÿӏQK U} Qӝi dung kiӇP WUD 3KzQJ LӇm tra tҥi Trө sӣ FKtQK&KLQKiQK%+7*91WUuQKQJѭӡi ra quyӃWÿӏnh kiӇPWUDNêEDQKjQKPӝt

sӕ YăQEҧn sau:

Trang 40

- KӃ hoҥch cuӝc kiӇm tra cө thӇ ÿӕi vӟi tӯQJWUѭӡng hӧp chӍ kiӇm tra tҥi Trө sӣ FKtQK KRһc tiӃQ KjQK NLӇP WUD WUrQ GLӋn rӝQJ Fy QKLӅX &KL QKiQK

%+7*91FQJWKDPJLDNLӇm tra HoһFFyWKӇ [k\Gӵng kӃ hoҥFKÿӧt kiӇm tra WURQJWUѭӡng hӧSWKjQKOұp mӝt hoһc nhiӅXÿRjQNLӇPWUDÿӇ kiӇPWUDÿӗng thӡi nhiӅXÿӕLWѭӧng kiӇPWUDWUrQFQJPӝWÿӏDEjQWӍQKWKjQKSKӕ KӃ hoҥch kiӇm tra cҫQÿҧm bҧRÿҫ\ÿӫ FiF\rXFҫXYjQӝLGXQJOLrQTXDQQKѭÿӕLWѭӧng kiӇm tra, thӡi gian kiӇm tra, tӹ lӋ chӑn mүXSKѭѫQJiQWKӵc hiӋn KӃ hoҥch kiӇm tra FiFU}UjQJFө thӇ WKuF{QJWiFNLӇPWUDFjQJQKDQKYjKLӋu quҧ Tӯ FiFF{QJviӋc cҫn thӵc hiӋn trong kӃ hoҥch, QJѭӡi ra quyӃW ÿӏQK FyWKӇ [iF ÿӏQKÿѭӧc khӕLOѭӧQJ F{QJYLӋc cҫn thӵc hiӋn, thӡi gian thӵc hiӋQYjVӕ OѭӧQJQKkQVӵ ÿiSӭQJFKRF{QJWiFNLӇm tra

&ăQFӭ WuQKKuQKFӫDÿӕLWѭӧng kiӇPWUDFiFÿѫQYӏ kiӇm tra quyӃWÿӏnh nӝi dung kiӇPWUDFKRSKKӧp theRKѭӟng:

+ KiӇm tra nhӳQJWKD\ÿәi, bә sung hӗ VѫSKiSOêWKDPJLD%+7*

+ KiӇm tra viӋc quҧQOêYjQLrP\Ӄt Chӭng nhұn tham gia BHTG tҥi tҩt

cҧ FiF ÿLӇm giao dӏch nhұn tiӅn gӱi tӯ ÿy JL~S FKtQK ViFK %+7* FӫD &KtQKPhӫ lan toҧ tӟi nhiӅu tҫng lӟSWURQJ[mKӝLKѫQ

+ KiӇm tra viӋFWtQKYjQӝSSKt%+7*ÿӕi vӟi tә chӭFWKDPJLD%+7*FyVDLVyWSKҧQiQKTXDF{QJWiFJLiPViWYjWKHRG}LYLӋFWtQKQӝSSKt%+7*cӫDFiF SKzQJ FKӭF QăQJ OLrQ TXDQ KRһF TXD FiF FXӝc kiӇP WUD WUѭӟc cӫa BHTGVN

5LrQJ ÿ͙i vͣi n͡i dung ki͋P WUD Qj\ Ĉk\ Oj Q͡i dung tr͕QJ WkP ÿ˱ͫc OmQKÿ̩RFiFF̭Sÿ̿c bi͏WWU~WU͕QJQrQFiFĈRjQNL͋m tra c̯n l̵SYjO˱XWUͷ FiFWK{QJWLQF˯E̫n cͯa tͳng b͡ h͛ V˯ÿ˱ͫc ki͋PWUDQK˱0mNKiFKKjQJ (CIF) ho̿c S͙ s͝/th̓ ti͇t ki͏m, S͙ WjLNKRjQN͇ WRiQWKHRTX\ÿ͓nh cͯa NHNN ho̿c s͙ WjLNKR̫n k͇ WRiQQ͡i b͡ cͯa t͝ chͱc tham gia BHTG, S͙ G˱WL͉n g͵i

Tͳ ÿy Fy WK͙QJ Nr ÿiQK JLi ÿ̯\ ÿͯ v͉ FiF P̿t cͯa nghi͏p vͭ KX\ ÿ͡ng v͙n QK˱4X\WUuQKOXkQFKX\͋n chͱng tͳ k͇ WRiQTX̫QOḙ̂n ch͑ quan tr͕ng, tͽ l͏

...

Trang 20

gӱi tҥi Chi QKiQK%ҧo hiӇm tiӅn gӱi ViӋt Nam khu vӵF7k\%ҳc Bӝ , Ĉҥi hӑc Kinh tӃ quӕFGkQ+j1ӝi... tiӃQKjQKVRViQKÿӕi chi? ?XFiFFKӭng tӯ, cҫn kiӇm tra ÿӇ [iFÿӏQKWtQKKӧSOêNKiFKTXDQWUXQJWKӵc cӫa chӭng tӯÿӕi chi? ?XWjLliӋu, sӕ liӋu cӫD ÿӕL Wѭӧng kiӇm tra vӟL FiF ÿѫQ Yӏ Yj... dүQ FKR FiQ Eӝ kiӇm tra trӵc tiӃp nhӳQJEѭӟFF{QJYLӋc cҫn thӵc hiӋn cho mӝt cuӝc kiӇm tra

- Chuҭn bӏ cho cuӝc kiӇm tra:

%˱ͣF;iFÿ͓nh n͡i dung ki͋m tra

&ăQFӭ

Ngày đăng: 26/06/2022, 11:25

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