Vande thanhtra, ki~mtra eaet6chucgiamgia baohi~mtien glti Ngay01 thang9 nam 1999,Chinh phuaa ban hanh Nghi dinh so 89/1999/NEJ-CPve bao hiemtien gui.. Khoan2 EJieu13 Nghidinhcua Chinh ph
Trang 1Vande thanhtra, ki~mtra eaet6chucgiamgia baohi~mtien glti
Ngay01 thang9 nam 1999,Chinh
phuaa ban hanh Nghi dinh so
89/1999/NEJ-CPve bao hiemtien gui
Khoan2 EJieu13 Nghidinhcua Chinh
phuvebaohiemtiengai,quydinh:"To
chucbaohiemtiengaidlIqcquyentien
hanhkiemtra vi$c chaphanhcac qui
d!nht~inghidinhnaycuato chuctham
giabaohiemtienglri".EJieud6c6 nghia
lavi$ckiemtra cua cua to chucbaohiem
tienglri doi vm cac to chuc tham gia bao
hiemtien gai dlIqc giai h9n trong nhung
dieu,khoanda quy dinht9i nghidinh nay
macac to chuc tham gia bao hiem tien
glriphaithl!c hi$n,Cl,!the nhlI: phainiem
yetcongkhai ve vi$c tham gia bao hiem
tienglri t9i trI,Jsa va cac diem giao dich
(khoan2 EJieu2); phai thl!c hi$n dung
mucphi bao hiem tien glri, phai nqp va
h~chtoan khoan phi bao hiem tien gui
vaochiphi h09tdqng (khoan1 va 2 EJieu
6);phaithl!c hi$n dung so Ian nqp phi
baohiem trong nam tai chinh (EJieu7);
phainqp cac bao cao theo quy dinh va
phaibaa cao ngay khi g~p kh6 khan ve
chitra, thay doi thanhvien Hqi dong
quantr" Bankiemsoat,Tonggiamdoc
(Giamdoc)va thaih9nphaigai cacbao
caotaichinhnam(khoan1,2,3EJieu11),
COngt9iNghidinhnay,khoan3EJieu
13quydinh:"Thanhtra NganhangNha
nllaC(TTNHNN)c6 trach nhi$mcung
capket quathanhtra, giamsat cac to
chucthamgia baohiemtiengai choto
chucbaohiemtiengai;phoihqpxa Iykip
thai cacto chucthamgiabaohiemtien
guic6 nguyca matkhanangchitra,vi
ph9mcacquydinhve antoantrangh09t
a(mgnganhang,c6 tY 1$nq qua h9n
cao",
Vi$c quy dinh TTNHNNc6 trach
nhi$mcungcapketquathanhtra,giam
satcacto chucthamgia baohiemtien
~
a phandaubaiviet.
Thlrhai,khiTTNHNNthl!Chi$ntrach
glri chot6 chucbaohiE~mtienglrichUng nhiemcuaminh,cungcapketquathanh t6vi$Ctrl!ctiepthanhtra,giamsatcacto tra,.giamsat cacto chucthamgia bao chucthamgiabaohiemtienglrilanhi$m hiemtienglri choto chUcbaohiemtien vI,!cuaTTNHNNmaml,!caichcuoicung gai nhlI da quydinha khoan3 EJieu13
la g6pphanbaodamantoanh$thong trangNghidinh cua ChinhphUve bao cacto chucthamgiabaohiemtiengai, hiemtiengai,va neuthl!csl! cactochuc bao v$ quyenva Iqi ich hqp phapcua thamgiabaohiemtiengaicovi ph9mthi nglf(1igai tien, phl,!cvI,!vi$c thl!c hi$n quakhaithaccacket quatren,to chuc chinhsachtient$ quocgia baohiemtiengai saphathi$ndlIqcvi$c Chonen,m~cdaut9i EJieu12 Nghi to chucthamgia bao hiemtien glri vi dinhcuaChinhphuve baohiemtiengai ph9mcacquydinhveantoantrongh09t c6 neu:"khiphathi$nto chucthamgia dqngnganhanghayc6 nguycadanden
baohiemtiengai vi ph9mcacquydinh matkhanangchitra,thatthoatIanvetai veantoantrangh09tdqngnganhang,to san ho~cco tac dqngnghiemtrQngtai chucbaohiemtienguicoquyenyeucau cac to chuctin dl,!ngkhacde co bi$n
to chucthamgiabaohiemtienglri thl!c phapxu Iy phuhqpmakhOngdIn phai hi$ncacbi$nphapchanchinh,dongtMi trl!cti€pkiemtra nhCtngnqidungnay
baocaovaiNganhangNhanlIaC.Trang Tai Dif~u 5 Quyet dmh s6
trlIanghqpxetthayh09tdqngcuacacto 64120011QD-HDQT ngay29tha~g8 nam
chucthamgiabaohiemtienglric6 nguy 2001cua H6i dongquantr! Baahiem
thoatIan ve tai san ho~cco tac dqng tracuato chlrcbaahiemtiengiri d6ivai
nghiemtrQngtm cac to chuctin dl,!ng cacto chlrc'thamgia baahiemtiengiri
khac,thito chucboohiemtienguico /;3:
quyenyeucaucacto chUctham,giabao 1/ Kiemtra viecchaphanhcacquy hiemtien gai co bi$nphapchanchinh dinhcuaphapluatve baohiemtienglri: kip thai,dongthai baocao Nganhang'
) H~ d~'
k' th ' b? h':! N
'
h' . ' b' A h' 11 ,
a nlIacco I~np apx y anc, .~ ",
thi dieunaycOngkhOngc6 nghiala de tlenglIl, phat hi$n dlIqc nhCtngvi ph9m,thay b)Tinhva nqpphibaohiemtienglri;
dlIqc nhungnguyca neutren,to chuc c) Hosa,tai li$u,so sach,chUngtlI
baohiemtienglri phaitrlfcti€pkiemtra lienquandentienglridlIqcbaohiem;
cacnqid~ngco lienqu~n~e~nh~ng,vi d) Ho sa,tai Ii$uso sach,chungtu
ph9m,~hW;gn~:!uy~~do~~IC?Ct~ chl1c lienquandencackhoanhotrqtai chinh thamglabaohlembengl1lmachidlIqc cuaBaohiemtienguiVietNam;
kiemtra motso noidungtheoquydinh, 2/ K':! t .A h",' h' h '
neutrenkhongthuocquyenkiemtracua
:!
h' b' h.:! t:A' ", t a rlIang qp ong lIac c 0 vay
h h'"
t' d
N h' a
h ' Ch' h h' ~ b' h 'A' va anc e In ung;
bao hiemtien gui kiemtra nhCtngnqi c) Gimh9ngopvon,muacophan; dungnaymachidlIqckiemtramqtso .Ngan hang Nha nvoc Chi nhanh
nqidungtlIangtl! nhlIdadlIqctrinhbay' Quang Ngai
Tr~n Lny~n *
Trang 2d)TY1$baodamantoan;
enrfch I~pdl! phongruiro;
DCacquydinhvequantrjdieuhanh
Thl!chi$nQuyetdjnhcuaHQidong
quantri SaohiemtienguiVi$tNam,cac
to chucbaohiemtiengui da lien hanh
kiemtra cacto chucthamgiabaohiem
tien gui, d~cbi$t 113d6i vai cac quytin
dl,Jngnhandanthuanghayduqc kiem
tra.Quatheod6i,d6ichieugiaaketqua
kiemtracuato chucbaohiemtienguive
nhangvi ph9mcuacacto chucthamgia
baohiemtienguimad~cbi$t113nhangvi
ph9mthuQcnQidungkiemtra thu 2 vai
ketquathanhtracuaTTNHNNdathanh
tra truacd6 thi ca ban113nhu nhau.Vi
v~y,vi$cto chucbaohiemtiengui kiem
tra nQidungthu 2 trungI~pvainQidung
thanhtra cuaTTNHNNvCIakh6ngcan
thiet,vCIagayphientoaichocacto chuc
thamgiabaohiemtiengui
M~tkhac,do mQt56nQidungthanh
tra,kiemtratrungI~pnenthuangxayra
tu tuangchuquan.NainaomaTTNHNN
chorangneuTTNHNNkMng thanhtra
thi da c6to chUcbaohiemtiengUikiem
tra cacto chucthamgi~ baohiem!ien
guivanguqc19imakh6ngthl!chi$nvi$c
thanhtrahaykiemtrasedandentru<'1ng
hqpkMng ft to chucthamgia baohiem
tienguinhieunamlienkMngduqcthanh
tra ho~ckiemtra.Vi$cnay,neu kh6ng
duqcchanchlnhkipthaisedandenvCIa
vi ph9mChithi 5622/2001/CT-TTgngay
11 thang9 nam 2001cua Thu tuang Chfnhphuve chanchlnhcongtacthanh tra, kiemtra doanhnghi$p;vCIabu6ng longquanIyvi$cchaphanhcacquydinh trongho9tdQngng8s1hang
Mgtvai kiennghi
£)econgtac thanhtra, kiemtra d6i vai cacto chucthamgia baohiemtien guidungquydinhva phathuyhi$uqua, thietnghi,canthl!c hi$ndungcac quy dinhhi$nhanhc6lienquandencongtac thanhtra,kiemtravac6sl! ph6ihqpch~t chegiaaTTNHNNvaito chucbaohiem tienguitrongvi$cthanhtra,kiemtracac
to chucthamgia.baohiemtien gui, CI,J
the 113:
MQtla,to chucbaohiemtiengui chi
nenthl!chi$nvi$ckiemtra cacto chuc thamgiabaohiemtrongvi$Cchaphanh cacquydinhtrongNghidinhcuaChfnh
phuve baohiemtiengui ma ca ban113
cac nQidungkiemtra da duqcneut9i khoan 1 £)ieu 5 Quyet dinh 56
2001cua HQidongquantri Sao hiem tiengUiVi$tNam.C6nhuv~y,vi$ckiem tra cuato chUcbaohiemtiengui vCIa dungquydinh,hi$Uqua 19ivCIakhong chongchaovClinQidungthanhtra cua TTNHNN
Hai la, ngoai nhCtngnQidungmato
chuc bao hiem tien gui duqcquyenth~c hi$n kiemtra nhu da neutren,nhcmg nQi dung con 19i,d~c bi$t 113 nhCtng nQidung lien quan den vi$c cac to chucthamgia bao hiem tien gui chap hEmhcacquy dinh ve an toan trong ho9t 6<)ngngan hang,to chuc bao hiemtiengui canph6i
vi$c cungcap ket quathanhtra,giamsat cua thanhtra Trongph9mvi trachnhi$m cua minh, TTNHNN can chi 690 cho Thanhtra cac chi nhanhNHNNtlnhthllc hi$nva cungcap day du, kipthaiketq~a thanh tra, giam sat cac to chUcthamgia bao hiemtien gui cho cac chi nhanhBao hiemtien gui trong khu vl!c C6nhvv~y, , vCIatiet ki$m duqc thai gian congserc, tranh duqc nhang phientoai khongdang c6 cho cac to chuc tham gia baohiem tien gui; vCIaphat huy duqchi$uh/c,hi$u qua cua congtac thanhtra, giamsateua h$ th6ng TTNHNN.
Ba la, hang nam, to chuc baohiem
tien gui va TTNHNNcan c6 51!ph6ihqp
de c6 ke ho9ch thanh tra, kiemtra phu hqp.£)~cbi$t,vi$c thanhtra trlfctiepeua TTNHNNcOngnhu kiemtra trl!c tiepeua
to chuc bao hiem tien gui 66i vdi caeto chuc tham gia bao hiemtien gui nentien hanh c6 tr<;mgtam, trQngdiem ho~ckhi xet thay c6 dau hi$u vi ph9mphaplu~t, tranh vi$c thanh tra, kiem tra khi ehva th~t can thiet
(Tiep theo trang 62)
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28
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PMt trientot cac dichVI,!tai chfnhtien t~ se la mQtthe m<;lnhtranghO<;ltdQngkinhdoanhcuacongty tai chinh;dong g6pmQtphanquantrangvi~cxaydl!ngcactongcongtyco tiemIl!ctaichinh,kirh doanhdangfmh;thl!Chi~nml,lctieuhlnh thanhtap doankinhle manh
T~ all NGANIIhNG s6 3 NXM2004