NGN HNG U T V PHT TRIN VIT NAM

CNG HO X HI CH NGHA VIT NAM

c lp - T do - Hnh phc H Ni, ngy 25 thng 08 nm 2008

S: 4275/Q-VP

QUYT NH Ban hnh Quy nh v trnh t, th tc cp tn dng i vi khch hng l doanh nghip TNG GIM C NGN HNG U T V PHT TRIN - Cn c iu l t chc v hot ng ca Ngn hng u t v Pht trin Vit Nam ban hnh km theo Quyt nh s 54/Q-HQT ngy 12/8/2002 ca Hi ng Qun tr v c Thng c Ngn hng Nh nc chun y ti Quyt nh s 936/2002/Q-NHNN ngy 03/9/2002; - Theo ngh ca Ban Qun l chuyn i D n TA2 thnh lp theo Quyt nh s 2464/Q-TCCB1 ngy 11/05/2007 ca Tng Gim c, Gim c Ban Php ch, QUYT NH: iu 1. Ban hnh km theo Quyt nh ny Quy nh v trnh t, th tc cp tn dng i vi khch hng l doanh nghip. iu 2. Quyt nh ny c hiu lc k t ngy 01/9/2008. K t ngy Quyt nh ny c hiu lc, cc quy nh trc y v trnh t, th tc cp tn dng p dng i vi khch hng l doanh nghip, tr khch hng l cc nh ch ti chnh, ht hiu lc thi hnh. iu 3. Chnh Vn phng, Gim c cc Ban, Trung tm ti Hi s chnh, Gim c cc Chi nhnh Ngn hng u t v Pht trin c trch nhim thi hnh Quyt nh ny. TNG GIM C
Ni nhn (170 bn):
- Nh iu 3; - NHNN ( bo co); - HQT ( bo co); - Cc PTG, KTT ( ch o); - Lu VP, PC.

Trn Anh Tun

QUY NH V TRNH T, TH TC CP TN DNG I VI KHCH HNG L DOANH NGHIP (Ban hnh theo Quyt nh s 4275/Q-VP ngy 25/08/2008 ca Tng Gim c Ngn hng u t v Pht trin Vit Nam) Chng I: QUY NH CHUNG iu 1. Mc ch 1. Xy dng quy trnh cp tn dng cho khch hng l Doanh nghip ph hp vi vic chuyn i m hnh t chc ca Ngn hng u t v pht trin Vit Nam. 2. m bo hot ng cp tn dng din ra thng nht, khoa hc, to c ch gim st hiu qu, hn ch, phng nga ri ro, xc nh trch nhim ca tng khu, tng bc trong quy trnh cp tn dng v khng ngng nng cao cht lng tn dng. 3. Tiu chun ho cc yu cu th tc theo Tiu chun qun l cht lng ISO 9001 2000. iu 2. i tng v phm vi p dng 1. Quy nh ny quy nh v trnh t, th tc cp tn dng i vi khch hng l doanh nghip, tr khch hng l cc nh ch ti chnh, p dng ti Ngn hng u t v Pht trin Vit Nam, bao gm Hi s chnh, cc Chi nhnh, S giao dch. i vi khch hng l t chc khc, ty tng i tng, c th vn dng cc trnh t, th tc ph hp trong Quy nh ny khi thc hin cp tn dng. 2. Cc khch hng l doanh nghip c quan h tn dng vi Ngn hng u t v Pht trin Vit Nam c chia thnh 2 nhm: - Nhm A l nhng khch hng m cc xut cp tn dng cho cc khch hng ny bt buc phi c B phn Qun l ri ro thm nh ri ro trc khi trnh cp c thm quyn ph duyt cp tn dng. - Nhm B l nhng khch hng m cc xut cp tn dng cho cc khch hng ny khng bt buc phi c B phn Qun l ri ro thm nh ri ro trc khi trnh cp c thm quyn ph duyt cp tn dng. Tiu thc phn nhm khch hng trong tng thi k do Ban Qun l ri ro tn dng l u mi phi hp vi cc Ban c lin quan ti Hi s chnh xy dng, trnh Tng Gim c ban hnh. iu 3. Cn c php l v ti liu tham kho 1. Lut cc t chc tn dng nm 1997 v Lut sa i, b sung nm 2004; 2. Cc vn bn quy nh, hng dn ca Ngn hng Nh nc Vit Nam v hot ng tn dng; 3. Cc vn bn quy phm php lut khc c lin quan;
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4. Cc bo co k thut thuc d n Ti c cu Ngn hng u t v Pht trin Vit Nam giai on 2 (TAII); 5. Tiu chun ISO 9001 2000. iu 4. Gii thch t ng Trong Quy nh ny, cc t ng di y c hiu nh sau: 1. Bo lnh: l vic Ngn hng cam kt bng vn bn vi bn c quyn (bn nhn bo lnh) v vic thc hin ngha v ti chnh thay cho khch hng (bn c bo lnh) khi khch hng khng thc hin hoc thc hin khng ng ngha v cam kt vi bn nhn bo lnh. Bo lnh gm hai phng thc: Bo lnh theo mn v bo lnh theo hn mc. 2. B phn Dch v khch hng: L Trung tm dch v khch hng (Phng Dch v khch hng) ti Hi s chnh hoc Phng/T dch v khch hng ti Chi nhnh. 3. B phn Quan h khch hng: l Ban/Phng Quan h khch hng/Phng ti tr d n ti Hi s chnh hoc Phng/T Quan h khch hng ti Chi nhnh. 4. B phn Qun l ri ro: l Ban/Phng Qun l ri ro Tn dng ti Hi s chnh hoc Phng Qun l ri ro ti Chi nhnh. 5. B phn Qun tr tn dng: l Trung tm dch v khch hng (Phng Qun tr tn dng) ti Hi s chnh hoc Phng/T Qun tr tn dng ti Chi nhnh. 6. B phn Thanh ton quc t: l Trung tm tc nghip ti tr thng mi ti Hi s chnh hoc Phng/T thanh ton quc t ti Chi nhnh. 7. Cn b Quan h khch hng: L cn b thuc B phn Quan h khch hng. 8. Cn b Qun l ri ro: L cn b thuc B phn Qun l ri ro. 9. Cn b Qun tr tn dng: L cn b thuc B phn Qun tr tn dng. 10. Cp tn dng: l vic BIDV tho thun cung cp cho khch hng cc sn phm, dch v thng qua cc nghip v cho vay, chit khu, bo lnh v cc nghip v cp tn dng khc. 11. Chi nhnh: l cc Chi nhnh, cc S giao dch Ngn hng u t v Pht trin Vit Nam. 12. Chit khu: l vic BIDV mua li cc giy t c gi ca ngi th hng trc khi n hn thanh ton. 13. Cho vay: l vic BIDV giao cho khch hng s dng mt khon tin s dng vo mc ch v thi gian nht nh theo tho thun vi nguyn tc c hon tr c gc v li. 14. Cho vay vn lu ng: L vic BIDV cho vay nhm p ng nhu cu vn lu ng hoc nhu cu hnh thnh cc ti sn lu ng ca Khch hng. Cho vay vn lu ng gm 2 phng thc: Cho vay theo mn v cho vay theo hn mc.

15. Cho vay u t d n: L vic BIDV cho vay nhm p ng cc nhu cu hnh thnh ti sn c nh/bt ng sn ca Khch hng nh u t mi; u t m rng cng sut; u t i mi cng ngh hot ng sn xut kinh doanh. Thng thng, cc khon cho vay u t d n c tr dn t ngun khu hao v li nhun ca chnh d n cho vay. 16. Doanh nghip: L t chc kinh t c tn ring, c ti sn, c tr s giao dch n nh, c ng k kinh doanh theo quy nh ca php lut nhm mc ch thc hin cc hot ng kinh doanh. 17. Hi s chnh: L Ngn hng u t v Pht trin Trung ng. 18. BIDV: L Ngn hng u t v Pht trin Vit Nam, trong ng cnh c th c th l Hi s chnh, S giao dch, Chi nhnh v cc n v trc thuc Chi nhnh, S giao dch. iu 5. Cp c thm quyn ph duyt xut tn dng, ph duyt ri ro tn dng, ph duyt gii ngn v k kt cc hp ng lin quan n hot ng tn dng: 1. Cp c thm quyn ph duyt xut tn dng: 1.1. Ti Hi s chnh: - Ph Tng Gim c ph trch quan h khch hng. - Gim c/Ph Gim c Ban Quan h khch hng doanh nghip. 1.2. Ti Chi nhnh: - Ph Gim c ph trch Quan h khch hng. - Gim c (trong trng hp vt thm quyn ph duyt ri ro tn dng ca Chi nhnh). 2. Cp c thm quyn ph duyt ri ro tn dng: 2.1. Ti Hi s chnh: - Gim c/Ph Gim c Ban Qun l ri ro Tn dng. - Ph Tng Gim c ph trch Qun l ri ro. - Tng gim c. - Hi ng tn dng Trung ng. - i tng khc theo phn cp, y quyn ca Tng Gim c. - Hi ng Qun l tn dng. - Hi ng Qun tr. 2.2. Ti Chi nhnh: - Ph Gim c ph trch Qun l ri ro tn dng. - Gim c Chi nhnh. - Hi ng tn dng.

- i tng khc theo phn cp, y quyn ca Tng Gim c v phn cng ca Gim c Chi nhnh trong tng thi k. 3. Cp c thm quyn k kt cc hp ng lin quan n hot ng tn dng. 3.1. Ti Hi s chnh: - Tng Gim c. - Ph Tng Gim c ph trch quan h khch hng. - Gim c/Ph Gim c Ban Quan h khch hng doanh nghip. - i tng khc theo u quyn ca Tng Gim c. 3.2. Ti Chi nhnh: - Gim c chi nhnh. - Ph Gim c ph trch quan h khch hng. - i tng khc theo y quyn ca Tng Gim c v y quyn li ca Gim c Chi nhnh trong tng thi k. 4. Cp c thm quyn ph duyt gii ngn: 4.1. Ti Hi s chnh: - Tng Gim c. - Ph Tng Gim c ph trch khi tc nghip. - Gim c/Ph Gim c Trung tm dch v khch hng. - i tng khc theo phn cp, y quyn ca Tng Gim c. 4.2. Ti Chi nhnh: - Gim c Chi nhnh. - Ph Gim c ph trch tc nghip. - Gim c/ Ph gim c Phng giao dch ph trch tc nghip. - Trng/Ph Trng phng qun tr tn dng. - i tng khc theo phn cp, y quyn ca Tng Gim c v y quyn li ca Gim c Chi nhnh trong tng thi k. iu 6. Quy nh v B h s trnh Hi s chnh ph duyt i vi cc trng hp vt thm quyn ph duyt cp tn dng ca Chi nhnh, Chi nhnh (Phng Qun l ri ro l u mi) phi lp b h trnh Hi s chnh ph duyt bao gm: - H s tn dng ca Khch hng. - Bo co xut tn dng ca Phng Quan h Khch hng/Phng Giao dch c Ph Gim c ph trch Quan h khch hng ph duyt. - Bo co thm nh ri ro ca Phng Qun l ri ro c Gim c/Ph Gim c ph trch ri ro ph duyt ri ro.
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- Bin bn hp Hi ng tn dng Chi nhnh. - Cng vn ngh ph duyt tn dng do Gim c Chi nhnh k trnh. Trong trng hp ny Gim c Chi nhnh c coi l ngi c thm quyn ph duyt xut tn dng. iu 7. Tiu chun cht lng: Ph lc I/TDDN Chng II: TRNH T, TH TC THC HIN CP TN DNG iu 8. Yu cu tun th trnh t, th tc 1. Tt c cc cn b c lin quan t khu tip th khch hng v lp xut cp tn dng cho n khi thanh l hp ng tn dng phi tun th trnh t, th tc cp tn dng theo Quy nh ny. 2. Lu cc bc thc hin theo Ph lc II/TDDN. iu 9. Tip th khch hng v lp Bo co xut tn dng 1. Tip th v nhn h s: Cn b Quan h khch hng l u mi tip th; Tip nhn nhu cu s dng cc sn phm v dch v ca BIDV t Khch hng. Trn c s nhu cu ca Khch hng, Cn b Quan h khch hng hng dn khch hng lp H s tn dng theo quy nh (Giy ngh lp theo Mu s 1, 1.1, 1.2, 1.3, 1.4a, 1.4b, 1.4c hoc theo Mu Giy ngh kim Hp ng chit khu giy t c gi hin hnh ca BIDV). - Khi tip nhn H s, Cn b Quan h khch hng lp Phiu tip nhn theo Mu s 5. - Danh mc H s tn dng ca Khch hng c quy nh ti Ph lc III/TDDN. 2. Thm nh v lp Bo co xut tn dng: Cn c H s tn dng ca Khch hng, Cn b Quan h khch hng thc hin nghin cu, thm nh theo nhng ni dung sau: 2.1. nh gi chung v khch hng theo Ph lc IV/TDDN. 2.2. Thm nh tnh hnh ti chnh ca khch hng theo Ph lc V/TDDN. 2.3. Chm im tn dng khch hng (thc hin theo Hng dn ca H thng xp hng tn dng ni b) p dng chnh sch khch hng. Ngoi ra, Chi nhnh tham kho thm thng tin t Trung tm thng tin tn dng nh gi khch hng. 2.4. Phn tch nh gi v Phng n sn xut, kinh doanh; D n u t; Kh nng vay tr ca khch hng xc nh hnh thc cp tn dng ph hp.

a) Trng hp cp tn dng di cc hnh thc: - Chit khu. - Cho vay vn lu ng/ngn hn theo mn. - Cho vay vn lu ng/ngn hn theo hn mc. - Bo lnh theo mn. - Bo lnh theo hn mc. - Hnh thc khc. Cn b Quan h khch hng thc hin theo Ph lc VI/TDDN. b) Trng hp khch hng vay vn u t d n thc hin theo Ph lc VII/TDDN. 2.5. nh gi v ti sn bo m theo Quy nh v giao dch bo m ca BIDV. 2.6. nh gi ton din ri ro v cc bin php phng nga, bao gm: a) Ri ro khch quan b) Ri ro xut pht t ch quan ca khch hng. c) Ri ro xut pht t BIDV. d) Cc bin php phng nga ri ro ca khch hng. e) Cc bin php phng nga ri ro ca ngn hng. 2.7. Lp bo co xut tn dng: - Cn b Quan h khch hng sau khi thm nh H s tn dng ca khch hng lp Bo co xut tn dng (theo Mu s 2.1 hoc 2.2) km theo h s tn dng trnh Lnh o Phng Quan h Khch hng/Lnh o Phng ti tr d n/Lnh o Phng Giao dch. - Lnh o Phng Quan h khch hng/Lnh o Phng ti tr d n/Lnh o Phng Giao dch thc hin kim tra li cc ni dung trong Bo co xut tn dng, ghi kin vo Bo co xut v k kim sot. - Bo co xut tn dng vi y ch k ca Cn b Quan h khch hng v Lnh o Phng Quan h khch hng/Lnh o Phng ti tr d n/Lnh o Phng Giao dch cng ton b h s tn dng ca khch hng c trnh cp c thm quyn theo trnh t: * Ti Chi nhnh: Bo co xut tn dng c trnh Ph Gim c ph trch quan h khch hng xem xt ph duyt. +/ Trng hp khch hng thuc Nhm B quy nh ti Khon 2 - iu 2: Khi Bo co xut tn dng c Ph Gim c ph trch quan h khch hng/cp c thm quyn ph duyt ng s c chuyn li cho B phn Quan h khch hng x l tip cc bc ca Quy nh ny.
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+/ Trng hp khch hng thuc Nhm A quy nh ti Khon 2 - iu 2 v cc khch hng quan h tn dng ti cc Phng giao dch: Khi Bo co xut tn dng c Ph Gim c ph trch Quan h khch hng ph duyt ng , ton b h s tn dng ca khch hng s c chuyn tip cho B phn Qun l ri ro thm nh ri ro. * Ti Hi s chnh: +/ Trng hp khon vay thuc thm quyn ph duyt ri ro ca Gim c/Ph Gim c Ban Qun l ri ro tn dng: Bo co xut tn dng c trnh Gim c/Ph Gim c Ban Quan h khch hng xem xt ph duyt. Sau khi c kin ph duyt ng ca Gim c/Ph Gim c Ban Quan h khch, Bo co xut tn dng cng ton b h s tn dng ca khch hng c chuyn cho Ban Qun l ri ro tn dng thm nh ri ro. + Trng hp khon vay vt thm quyn ph duyt ri ro ca Gim c Ban Qun l ri ro tn dng: Bo co xut tn dng c trnh Gim c Ban Quan h khch hng ly kin trc khi trnh Ph Tng gim c ph trch quan h khch hng xem xt ph duyt. Bo co xut tn dng sau khi c Ph Tng Gim c ph trch quan h khch hng ph duyt ng s c chuyn cng vi ton b h s tn dng ca khch hng cho B phn Qun l ri ro thm nh ri ro. 3. Trng hp cho vay ti tr d n vt thm quyn ph duyt i vi 1 d n ca Chi nhnh: 3.1. Chi nhnh c trch nhim thc hin y tt c cc bc ca Quy trnh nh i vi cc khch hng thuc Nhm A- Khon 2 iu 2. 3.2. B h s y theo quy nh ti iu 6 c Chi nhnh gi v Ban Quan h khch hng ti Hi s chnh (Phng ti tr d n) thc hin ti thm nh. Sau khi tip nhn h s t Chi nhnh, Phng ti tr d n ti Hi s chnh thc hin cc bc quy trnh tng t nh i vi cc khch hng c quan h tn dng trc tip ti Hi s chnh. iu 10. Thm nh ri ro 1. Tip nhn h s: - Ti Chi nhnh: Phng Qun l ri ro tip nhn Bo co xut tn dng v H s tn dng t Phng Quan h khch hng v Phng Giao dch trc thuc Chi nhnh. - Ti Hi s chnh: Ban Qun l ri ro tip nhn Bo co xut tn dng v H s tn dng t Ban Quan h khch hng hoc Chi nhnh (i vi trng hp vt gii hn d n cho vay, s d bo lnh i vi mt khch hng). Vic bn giao h s gia cc b phn phi c thc hin bng vn bn. Trng hp Chi nhnh chuyn h s ln Hi s chnh phi c vn bn lit k r cc giy t, ti liu c th. 2. Thm nh ri ro:
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2.1 Ti Chi nhnh: - Cn b Qun l ri ro thc hin thm nh ri ro cc xut cp tn dng v lp Bo co thm nh ri ro (theo Mu s 3) km theo h s tn dng trnh Lnh o Phng Qun l ri ro. - Lnh o phng Qun l ri ro thc hin kim tra, r sot li ni dung ca Bo co thm nh ri ro, ghi kin v k kim sot trnh cp c thm quyn ph duyt ri ro. 2.2 Ti Hi s chnh: - Trnh t thc hin tng t nh ti Chi nhnh. - i vi cc trng hp vt quyn ph duyt ri ro ca Gim c Ban Qun l ri ro Tn dng, trc khi trnh cp c thm quyn ph duyt ri ro, Gim c Ban Qun l ri ro Tn dng phi c kin v k trn Bo co thm nh ri ro. 2.3 c c y cc thng tin phc v cho vic lp bo co thm nh ri ro, trong qu trnh thm nh B phn Qun l ri ro thc hin theo cc hng dn ti cc Ph Lc ban hnh km theo Quyt nh ny. iu 11. Ph duyt cp tn dng 1. Ti Chi nhnh: 1.1. Khch hng thuc Nhm B quy nh ti Khon 2 - iu 2: Khon tn dng c coi l ph duyt cp tn dng khi Ph Gim c ph trch Quan h khch hng/cp c thm quyn k ph duyt ng cp tn dng trn Bo co xut tn dng. 1.2. Khch hng thuc Nhm A quy nh ti Khon 2 - iu 2: a) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Gim c/Ph Gim c ph trch Qun l ri ro tn dng: Khon tn dng c coi l ph duyt cp tn dng khi c y ch k ph duyt ca Ph Gim c ph trch quan h khch hng trn Bo co xut tn dng v Gim c/Ph Gim c ph trch Qun l ri ro tn dng trn Bo co thm nh ri ro. b) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Hi ng tn dng Chi nhnh: +/ Cn b Qun l ri ro chu trch nhim tp hp h s v sao gi cc thnh vin Hi ng tn dng. +/ B h s sao gi cc thnh vin Hi ng tn dng bao gm: Bo co xut tn dng c Ph Gim c ph trch quan h khch hng k duyt ng ; Bo co thm nh ri ro c Gim c/Ph Gim c ph trch ri ro k ph duyt ng Cc ti liu khc c lin quan. +/ Trng hp ny khon tn dng c coi l ph duyt khi trong Bin bn hp ca Hi ng tn dng kt lun ng cp tn dng.
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Quy ch t chc, hot ng ca Hi ng tn dng Chi nhnh do Tng gim c quy nh. 2. Ti Hi s chnh: 2.1. Trng hp khch hng quan h tn dng trc tip ti Hi s chnh: a) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Gim c/Ph Gim c Ban Qun l ri ro tn dng: Khon tn dng c coi l ph duyt cp tn dng khi c y ch k ph duyt ca Gim c/Ph Gim c Ban Quan h khch hng trn Bo co xut tn dng v Gim c/Ph Gim c Ban Qun l ri ro tn dng trn Bo co thm nh ri ro. b) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Tng Gim c/Ph Tng Gim c ph trch ri ro: Khon tn dng c coi l ph duyt cp tn dng khi c y ch k ph duyt ca Ph Tng Gim c ph trch quan h khch hng trn Bo co xut tn dng v Tng Gim c/Ph Tng Gim c ph trch ri ro trn Bo co thm nh ri ro. c) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Hi ng tn dng Trung ng: - Cn b Qun l ri ro chu trch nhim tp hp h s v sao gi cc thnh vin Hi ng tn dng Trung ng. - B h s sao gi cc thnh vin Hi ng tn dng Trung ng bao gm: Bo co xut tn dng c Ph Tng gim c ph trch quan h khch hng k duyt ng ; Bo co thm nh ri ro c Tng Gim c/Ph Tng gim c ph trch ri ro k ph duyt ng Cc ti liu khc c lin quan. - Trng hp ny khon tn dng c coi l ph duyt khi trong Bin bn hp ca Hi ng tn dng Trung ng kt lun ng cp tn dng. Quy ch t chc, hot ng ca Hi ng tn dng Trung ng do Tng gim c quy nh. d) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Hi ng Qun l tn dng/Hi ng Qun tr: Cn b Qun l ri ro chu trch nhim tp hp h s v trnh cp c thm quyn. B h s trnh cp c thm quyn bao gm: Bo co xut tn dng c Ph Tng gim c ph trch quan h khch hng k duyt ng . Bo co thm nh ri ro c Tng gim c/Ph Tng gim c ph trch Qun l ri ro k duyt ng . Bin bn hp Hi ng tn dng Trung ng kt lun ph duyt ng cp tn dng .
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H s khc c lin quan. Sau khi nhn c ph duyt ca Hi ng Qun l tn dng/Hi ng Qun tr, Ban Qun l ri ro tn dng c trch nhim d tho Quyt nh cp tn dng trnh Tng Gim c/Ph Tng Gim c ph trch ri ro k, chuyn cho cc b phn lin quan thc hin. 2.2. Trng hp khon tn dng vt thm quyn ph duyt ca Chi nhnh, c trnh Hi s chnh: a) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Tng Gim c/Ph Tng Gim c ph trch ri ro/Gim c/Ph Gim c Ban Qun l ri ro tn dng: Khon tn dng c coi l ph duyt cp tn dng khi Tng Gim c/Ph Tng gim c ph trch ri ro/Gim c/Ph Gim c Ban qun l ri ro tn dng k ph duyt ng cp tn dng trn Bo co thm nh ri ro ca Ban Qun l ri ro tn dng. b) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Hi ng tn dng Trung ng: - Cn b Qun l ri ro chu trch nhim tp hp h s v sao gi cc thnh vin Hi ng tn dng Trung ng. - B h s sao gi cc thnh vin Hi ng tn dng Trung ng bao gm: Cng vn ngh ph duyt tn dng do Gim c Chi nhnh k trnh; Bo co thm nh ri ro c Tng Gim c/Ph Tng Gim c ph trch ri ro k ph duyt ng Cc ti liu khc c lin quan theo quy nh ti iu 6. - Trng hp ny khon tn dng c coi l ph duyt khi trong Bin bn hp ca Hi ng tn dng Trung ng kt lun ng cp tn dng. c) i vi khon tn dng thuc thm quyn ph duyt ri ro ca Hi ng Qun l tn dng/Hi ng Qun tr: - Cn b Qun l ri ro chu trch nhim tp hp h s v trnh cp c thm quyn. B h s trnh cp c thm quyn bao gm: Cng vn ngh ph duyt tn dng do Gim c Chi nhnh k trnh. Bo co thm nh ri ro c Tng Gim c/Ph Tng Gim c ph trch Qun l ri ro k duyt ng . Bin bn hp Hi ng tn dng Trung ng kt lun ph duyt ng cp tn dng . H s khc c lin quan theo quy nh ti iu 6. - Sau khi nhn c ph duyt ca Hi ng Qun l tn dng/Hi ng Qun tr, Ban Qun l ri ro tn dng c trch nhim d tho Quyt nh cp tn
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dng trnh Tng Gim c/Ph Tng Gim c ph trch ri ro k, chuyn cho cc b phn lin quan v//hoc Chi nhnh thc hin. 3. X l s khc bit gia kin ph duyt xut cp tn dng v Ph duyt ri ro tn dng: Trong qu trnh thc hin ph duyt cp tn dng nu: - kin ph duyt xut tn dng ca Ph Gim c ph trch quan h khch hng khc bit so vi kin Ph duyt ri ro ca Ph Gim c ph trch ri ro tn dng. Hoc - kin ph duyt xut tn dng ca Gim c/Ph Gim c Ban Quan h khch hng doanh nghip khc bit so vi kin Ph duyt ri ro ca Gim c/Ph Gim c Ban Qun l ri ro tn dng. Hoc - kin ph duyt xut tn dng ca Ph Tng Gim c ph trch Quan h khch hng khc bit so vi kin Ph duyt ri ro ca Ph Tng Gim c ph trch Qun l ri ro. Khi xy ra trng hp ny, Cp c thm quyn ph duyt ri ro phi tin hnh trao i trc tip vi Cp c thm quyn ph duyt xut tn dng i n thng nht. Trong trng hp khng thng nht c, Cp c thm quyn ph duyt ri ro bo co Cp c thm quyn ph duyt ri ro cao hn xem xt, quyt nh (Trng hp ny, quyt nh ca cp c thm quyn ph duyt ri ro cao hn l kin ph duyt ri ro cui cng). C th: - Ph Gim c ph trch ri ro tn dng bo co Gim c Chi nhnh. - Gim c/Ph Gim c Ban Qun l ri ro tn dng bo co Ph Tng Gim c ph trch Qun l ri ro. - Ph Tng Gim c ph trch Qun l ri ro bo co Tng Gim c. iu 12. Cc th tc thc hin sau ph duyt 1. Son tho quyt nh cp tn dng: - Cn c ni dung ph duyt cp tn dng ca cp c thm quyn, B phn Qun l ri ro chu trch nhim son tho Quyt nh cp tn dng (theo Mu s 2.3) thng bo cho khch hng v cc b phn c lin quan. Tr trng hp khch hng thuc Nhm B quy nh ti Khon 2 - iu 2 (Khi Ph gim c ph trch quan h khch hng k duyt ng trn Bo co xut tn dng c coi l Quyt nh cp tn dng). - Cp c thm quyn ph duyt ri ro tn dng l cp c thm quyn k trn vn bn Quyt nh cp tn dng. Trng hp Cp c thm quyn ph duyt ri ro tn dng l cc Hi ng th Tng Gim c/Ph Tng Gim c ph trch Qun l ri ro hoc Gim c/Ph Gim c ph trch Qun l ri ro tn dng l cp c thm quyn k trn vn bn Quyt nh cp tn dng. - Quyt nh cp tn dng ca cp c thm quyn cng ton b h s tn dng c chuyn li cho B phn Quan h Khch hng/Chi nhnh thc hin cc bc tip theo.
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2. Cn c ni dung ph duyt cp tn dng ca cp c thm quyn, B phn Quan h khch hng thc hin thng tho vi khch hng v cc iu kin tn dng c cp c thm quyn ph duyt. - Trng hp khch hng khng ng vi cc iu kin tn dng m cp c thm quyn ph duyt, B phn Quan h khch hng c th r sot, nh gi li li ch Ngn hng s thu c cng nh mc ri ro c th chp nhn c trong mi quan h tn dng vi khch hng ti xut hoc t chi cp tn dng cho khch hng. - Trng hp khch hng ng vi cc iu kin tn dng c cp c thm quyn ph duyt, B phn Quan h khch hng chu trch nhim son tho cc Hp ng. 3. Son tho Hp ng: Cn c ni dung, iu kin tn dng c cp c thm quyn ph duyt v cc Hp ng mu, B phn Quan h khch hng chu trch nhim son tho Hp ng tn dng/Hp ng cp bo lnh/Hp ng bo m... i vi cc trng hp thu t vn lut son tho cc hp ng c gi tr ln, B phn Quan h khch hng c trch nhim r sot, m bo ni dung hp ng ph hp vi ni dung ph duyt tn dng v m bo tun th quy nh ca php lut. 4. K kt Hp ng: - Cc Hp ng phi c k kt bi Ngi i din c thm quyn ca BIDV v Khch hng theo quy nh ca php lut. - Ngi c thm quyn i din cho BIDV tham gia k kt cc Hp ng lin quan n hot tn dng c quy nh ti Khon 3 - iu 5 Quy nh ny v theo phn cp, y quyn ca Tng Gim c trong tng thi k. 5. Cc th tc lin quan n ti sn m bo: Cn b Quan h khch hng thc hin cc th tc ng k giao dch m bo v/hoc th tc cng chng; L u mi giao - nhn giy t v ti sn m bo gia BIDV v Khch hng. Vic giao nhn giy t v ti sn m bo gia BIDV v khch hng phi c lp thnh vn bn (theo Mu s 2.4). 6. Nhp thng tin vo H thng SIBS: - Sau khi cc Hp ng c k kt, B phn Quan h khch hng bn giao ton b H s tn dng gc ca khch hng (bao gm cc Bo co xut tn dng, Bo co thm nh ri ro; Cc t trnh, Quyt nh ph duyt; Cc Hp ng; Bin bn giao nhn h s, ti sn m bo; H s khch hng/khon vay) cho B phn Qun tr tn dng thc hin nhp thng tin vo h thng SIBS theo Ph lc VIII/TDDN v qun l lu gi h s theo Quy trnh lu tr h s. - Cc H s gc lin quan n ti sn m bo ca khch hng c B phn Quan h khch hng bn giao cho B phn kho qu lu gi theo quy nh ca BIDV.
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- Vic bn giao h s gia cc b phn phi c thc hin bng vn bn. iu 13. Gii ngn/Pht hnh bo lnh 1. Tip nhn v lp xut gii ngn/Pht hnh bo lnh - H s ngh gii ngn/pht hnh th bo lnh ca khch hng bao gm: +/ Giy ngh gii ngn do Khch hng lp theo Mu s 1.5 hoc theo Mu Giy ngh bo lnh tng ln ban hnh km theo b mu Hp ng tn dng hin hnh ca BIDV. +/ Bng k rt vn vay (theo Mu s 1.6)/Hp ng tn dng c th. +/ Cc giy ngh khc ca khch hng ( ngh k hu vn n, bo lnh nhn hng, ngh m/sa i L/C...) +/ Cc chng t lm cn c gii ngn. - B phn Quan h khch hng chu trch nhim: + Tip nhn h s, kim tra mc ch, iu kin gii ngn/Pht hnh bo lnh ca khch hng + Lp xut gii ngn/Pht hnh th bo lnh (theo Mu s 2.5, 2.6, 2.11, 2.12); + Thc hin son tho cc th bo lnh. + Chuyn ton b h s cho B phn Qun tr tn dng thc hin cc bc tip theo. 2. Trnh duyt gii ngn/Pht hnh bo lnh: Trn c s xut gii ngn/Pht hnh bo lnh ca B phn Quan h khch hng, B phn Qun tr tn dng chu trch nhim thc hin: - Kim tra hn mc cn li; kim tra tnh y hp l ca cn c gii ngn/Pht hnh bo lnh. - Kim tra cc thng tin c ghi trong cc chng t gii ngn/th bo lnh theo tng ln ca BIDV. - Lp T trnh gii ngn/pht hnh bo lnh (theo Mu s 4.1, 4.2, 4.3, 4.4, 4.5, 4.6) trnh cp c thm quyn ph duyt. - Trng hp khch hng ngh gii ngn di hnh thc Chit khu/Pht hnh bo lnh ra nc ngoi, sa i L/C, k hu vn n/bo lnh nhn hng, ngoi cn c vo xut ca B phn Quan h khch hng, B phn Qun tr tn dng ly kin tham gia ca B phn Thanh ton quc t v tnh hon ho ca b chng t chit khu, cc ri ro c lin quan n k thut nghip v thanh ton (theo Mu s 6, 4.4, 4.5, 4.6) trc khi trnh cp c thm quyn ph duyt. 3. Ph duyt gii ngn/pht hnh hnh bo lnh: Cn c vo T trnh gii ngn ca B phn Qun tr tn dng v h s gii ngn, cp c thm quyn (c quy nh ti Khon 4 - iu 5 Quy nh ny v

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theo phn cp, y quyn ca Tng Gim c v phn cng ca Gim c Chi nhnh trong tng thi k) xem xt ra quyt nh. * Duyt ng gii ngn/Pht hnh bo lnh. * Yu cu B phn Qun tr tn dng hon thin li h s gii ngn. * T chi gii ngn v ghi r l do t chi. 4. Nhp D liu vo h thng SIBS v lu gi h s: H s gii ngn/Bo lnh c cp c thm quyn ph duyt c chuyn li cho B phn Qun tr tn dng thc hin nhp d liu vo h thng SIBS theo Ph lc VIII/TDDN v lu gi h s theo quy nh. 5. Hch ton gii ngn: - B phn Qun tr tn dng c trch nhim chuyn 01 bn gc Bng k rt vn vay/Hp ng tn dng c th cng ton b bn gc cc lnh chuyn tin/Giy lnh tin mt do khch hng lp cho Phng dch v khch hng/Phng (B phn) Thanh ton quc t thc hin thanh ton, m L/C, thanh ton L/C hoc thc hin chit khu theo ch dn ca khch hng. - H s gii ngn c lun chuyn v lu tr theo quy nh v lu tr chng t k ton. iu 14. Gim st v kim sot 1. B phn Quan h khch hng: Cn b Quan h khch hng c trch nhim thng xuyn theo di khon vay/bo lnh (lp Bng theo di n vay theo Mu s 2.10), theo di nh gi v Khch hng. Ni dung c th gm: 1.1 Thc hin kim tra, r sot nh gi theo cc ni dung: - Kim tra mc ch s dng vn vay; - Kim tra tnh hnh thc hin cc cam kt c BIDV bo lnh; - Kim tra thc trng ti sn bo m theo quy nh v giao dch bo m trong cho vay ca BIDV; - nh k hng nm thc hin r sot, nh gi li hiu qu khai thc cc d n u t. Vic kim tra, r sot c thc hin thng qua h s tn dng, s sch chng t k ton ca khch hng hoc kim tra thc a v c thc hin theo hng dn ti Ph lc IX/TDDN. Kt thc mi ln kim tra, Cn b Quan h khch hng phi tin hnh lp bin bn kim tra (theo Mu s 2.9), lp bo co kim tra (theo Mu s 2.13) trnh cp c thm quyn; bn chnh bin bn kim tra v Bo co kim tra s c Cn b Quan h khch hng chuyn cho B phn Qun tr tn dng lu h s tn dng theo quy nh. 1.2. Thc hin phn loi n theo quy nh ca BIDV.
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1.3. u mi thc hin nh gi li gi tr ti sn m bo theo quy nh v giao dch bo m trong cho vay ca BIDV. 1.4. Thng xuyn theo di phn tch cc bin ng v hot ng sn xut kinh doanh, tnh hnh ti chnh, ti sn; ti sn m bo ca khch hng kp thi nhn din cc ri ro tim n. Khi pht hin cc du hiu ri ro hoc khon vay ca khch hng chuyn sang trng thi n xu, Cn b Quan h khch hng phi bo co ngay bng vn bn cc du hiu ri ro km theo cc xut phng nga cho Lnh o Ban/Phng Quan h khch hng thng qua v bo co tip ln cp c thm quyn xin kin ch o. 1.5. Trin khai thc hin cc bin php phng nga ri ro c cp c thm quyn ph duyt. 2. B phn Qun l ri ro: 2.1. Chu trch nhim phi hp vi B phn Quan h khch hng v B phn Qun tr tn dng trong vic pht hin kp thi cc du hiu ri ro, xut cc bin php x l trong trng hp khon tn dng/ khch hng c du hiu bt thng hoc khon vay ca khch hng chuyn sang trng thi n xu. 2.2. Gim st vic thc hin phn loi n v trch lp DPRR; Tng hp kt qu phn loi n v trch lp d phng ri ro gi B phn K ton lp cn i k ton theo quy nh. 2.3. Gim st thc hin cc bin php x l ri ro c cp c thm quyn ph duyt. 3. B phn Qun tr tn dng: 3.1. Lp thng bo danh sch cc khon n n hn gi B phn Quan h khch hng n c khch hng tr n gc v li ng hn. 3.2. Chu trch nhim theo di din bin thc trng cc khon n vay/Bo lnh ca cc khch hng, qua cnh bo cc du hiu ri ro cho B phn Quan h khch hng. 3.3. Lp thng bo yu cu B phn Quan h khch hng thc hin kim tra, r sot khon vay theo ng quy nh. Sau 7 ngy lm vic k t ngy lp thng bo, B phn Quan h khch hng cha thc hin vic kim tra, r sot khon vay, B phn Qun tr tn dng phi bo co bng vn bn ln cp c thm quyn xin kin ch o thc hin. 3.4. Thc hin tnh ton trch lp D phng ri ro theo kt qu phn loi n ca B phn Quan h khch hng v cc Quy nh ca BIDV, gi kt qu sang B phn Qun l ri ro r sot. 3.5. Thc hin chc nng thng tin, bo co thng k. 4. Ti Hi s chnh, Ban Qun l tn dng chu trch nhim ch o, kim tra gim st cng tc phn loi n v trch lp d phng ri ro, tng hp kt qu phn loi n v trch lp d phng ri ro ca ton h thng.
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iu 15. iu chnh tn dng 1. Cn c iu chnh: - Khch hng ngh iu chnh tn dng. - B phn Quan h khch hng xut iu chnh tn dng trn c s cc thng tin nm bt c trong qu trnh theo di; kim tra; r sot nh gi khon vay/ khch hng vay vn hoc cc thng tin cnh bo t B phn Qun l ri ro, B phn Qun tr tn dng 2. Ni dung ca iu chnh tn dng bao gm: - R sot, iu chnh Hn mc/S tin cho vay, bo lnh. - Gia hn n, iu chnh k hn n/iu chnh thi gian hiu lc ca Th bo lnh. - iu chnh iu kin tn dng; iu chnh bin php bo m/Ti sn bo m v cc iu chnh tn dng khc. 3. Nguyn tc v trnh t thc hin: - Cp c thm quyn ph duyt cp tn dng ln u s l cp c thm quyn ph duyt iu chnh tn dng. Tr trng hp gia hn n/iu chnh k hn n/iu chnh thi gian hiu lc ca Th bo lnh thc hin theo quy nh hin hnh ca BIDV. - Vic iu chnh tn dng phi c thc hin tun t theo ng trnh t th tc nh i vi mt khon tn dng mi. iu 16. Thu n, li, ph 1. Thng bo, n c khch hng tr n gc, li, ph: 1.1. B phn Quan h khch hng chu trch nhim thng bo v n c khch hng tr n gc, li v ph ng hn (theo Mu s 2.7). 1.2. Trong qu trnh theo di n c khch hng tr n, B phn Quan h khch hng bit trc chc chn khch hng khng c kh nng tr n ng hn th phi p dng ngay mt trong cc bin php: - Nu nguyn nhn khch hng khng tr c n l khch quan, khch hng c kh nng tr n nu c gia hn/iu chnh k hn n: Trng hp ny khi khch hng c ngh c cu li n, B phn Quan h khch hng c th xem xt xut iu chnh tn dng. Vic iu chnh tn dng c thc hin theo quy nh ti iu 15. - Nu nguyn nhn khch hng khng tr c n l do yu t ch quan hoc khch hng khng c kh nng tr c n ngay c khi c gia hn/iu chnh k hn tr n: Trng hp ny, B phn Quan h khch hng phi thng bo cho B phn Qun tr tn dng thc hin chuyn n qu hn hoc phi hp cng B phn Qun tr tn dng theo di vic chuyn n qu hn t ng trn my v ng thi thc hin cc bc x l thu hi n qu hn theo quy nh ti iu 17 di y.

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2. Thc hin thu n gc, li, ph: 2.1 Thu n gc, li t ng. Trng hp thc hin thu n gc, li t ng, ngay sau khi gii ngn, cn B qun tr tn dng ci t thu n gc, li t ng trn my. nh k hng thng, B phn Qun tr tn dng thc hin in cc chng t thu gc, li t ng chuyn B phn Quan h khch hng chuyn cho khch hng. 2.2 Thu n gc, li, ph th cng. a) Khch hng tr n ng hn - n hn thu n gc, li, ph B phn Qun tr tn dng lp ch th thu n theo Mu s 2.8 gi B phn Dch v khch hng thc hin thu n gc, li, ph. - Thc hin kim tra i chiu s d sau khi thu n gc, li, ph. b) Khch hng tr n trc hn hoc ch c kh nng tr mt phn n gc, li, ph n hn. * B phn Quan h khch hng thc hin: - Tnh ton ph tr n trc hn (nu c) trong trng hp khch hng yu cu tr n trc hn. - xut iu chnh tn dng theo quy nh ti iu 15, trong trng hp khch hng ch c kh nng tr mt phn n gc, li, ph n hn v c iu kin c cu n. - Lp Giy ngh thu n theo Mu s 2.8 chuyn cho B phn Qun tr tn dng. * B phn Qun tr tn dng. - Kim tra i chiu s n gc, li, ph, ph tr n trc hn (nu c) chuyn 01 bn gc Giy ngh thu n cho B phn Dch v khch hng thc hin thu n. - Thc hin kim tra i chiu s d sau khi thu n gc, li, ph. iu 17. X l thu hi n qu hn 1. Cc trng hp pht sinh n qu hn: - Khch hng khng tr n (bao gm gc, li, ph) ng hn m khng c BIDV cho gia hn n/iu chnh k hn n. - Khch hng phi nhn n vay bt buc khi BIDV thc hin thay cc ngha v bo lnh. 2. Cch thc x l thu hi n qu hn: 2.1. B phn Quan h khch hng, chu trch nhim: - Thng bo bng vn bn cho khch hng ngay sau khi c n qu hn pht sinh. - R sot phn tch nguyn nhn n qu hn ng thi tip tc n c khch hng tr n qu hn.

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- xut trnh cp c thm quyn ph duyt: + Thay i chnh sch khch hng ang p dng nh: ct gim u i; ngng cho vay mi; b sung ti sn m bo + p dng hnh thc pht mi ti sn m bo thu hi n (theo hng dn ti Quy nh v giao dch m bo trong cho vay); + S dng qu d phng ri ro x l n qu hn chuyn thnh n xu khng cn kh nng thu hi (theo quy nh v trch lp v s dng d phng ri ro trong hot ng tn dng). + Cc hnh thc x l khc nh: Bn n; Chng khon ho... 2.2. B phn Qun l ri ro, chu trch nhim: - Phi hp v tr gip Cn b Quan h khch hng trong vic r sot, phn tch nguyn nhn v xut cc bin php x l n qu hn. - Gim st B phn Quan h khch hng trong qu trnh thc hin cc bin php x l c cp c thm quyn ph duyt. 2.3. B phn Qun tr tn dng, chu trch nhim: - Thng xuyn thng bo v trng thi n qu hn ca khch hng cho B phn Quan h khch hng. - Phi hp vi B phn Quan h khch hng kim tra, i chiu s n gc, li, ph, li pht qu hn. 2.4. B phn Dch v khch hng, chu trch nhim thc hin cc bt ton thu n qu hn theo Ch th ca b phn Quan h khch hng. iu 18. Thanh l hp ng 1. Khi khch hng tr ht n hoc khon bo lnh ht hiu lc, B phn Quan h khch hng phi hp vi B phn Qun tr tn dng, Dch v khch hng: - Thc hin i chiu kim tra li s tin thu n gc, li, ph tt ton h s tn dng. - Gii chp cc hp ng bo m. - Thanh l cc Hp ng (nu c). 2. B phn Qun tr tn dng chu trch nhim lu tr h s tn dng tt ton theo quy nh. Chng III: T CHC THC HIN iu 19 T chc thc hin 1. Trong phm vi chc nng nhim v, thm quyn, cc n v, c nhn c lin quan chu trch nhim trin khai thc hin Quy nh ny.
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2. Sau 30 ngy, k t ngy Quy nh ny c hiu lc, Chi nhnh phi hon tt vic trin khai theo m hnh TA2 p dng theo Quy nh ny. Trong thi gian chuyn i sang m hnh mi, Chi nhnh c th p dng cc quy nh, trnh t, th tc theo cc vn bn ban hnh trc Quy nh ny. iu 20. Sa i, b sung, thay th Mi sa i, b sung, thay th hoc chm dt hiu lc Quy nh ny do Tng Gim c Ngn hng u t v pht trin Vit Nam quyt nh.

TNG GIM C

Trn Anh Tun

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