NGN HNG NH NC

VIT NAM
----------S : 1096/2004/Q-NHNN

CNG HO X HI CH NGHA VIT NAM

c lp - T do - Hnh phc
------------

H Ni, ngy 06 thng 9 nm 2004

QUYT NH CA THNG C NGN HNG NH NC

Ban hnh Quy ch hot ng bao thanh ton ca cc t chc tn dng

THNG C NGN HNG NH NC

- Cn c Lut Ngn hng Nh nc s 01/1997/QH10 ngy 12 thng 12 nm 1997 v
Lut sa i, b sung mt s iu ca Lut Ngn hng Nh nc Vit Nam s 10/2003/QH11
ngy 17 thng 6 nm 2003;
- Cn c Lut Cc T chc tn dng s 02/1997/QH10 ngy 12 thng 12 nm 1997 v
Lut sa i, b sung mt s iu ca Lut Cc T chc tn dng s 20/2004/QH11 ngy 15
thng 6 nm 2004;
- Cn c Ngh nh s 86/2002/N-CP ngy 5 thng 11 nm 2002 ca Chnh ph Quy
nh chc nng nhim v, quyn hn v c cu t chc ca B, C quan ngang B;
- Theo ngh ca V trng V Cc Ngn hng v T chc tn dng phi ngn hng,

QUYT NH
iu 1. Ban hnh km theo Quyt nh ny "Quy ch hot ng bao thanh ton ca cc
t chc tn dng".
iu 2. Quyt nh ny c hiu lc thi hnh k t ngy 01 thng 10 nm 2004.
iu 3. Chnh Vn phng, V trng V Cc Ngn hng v t chc tn dng phi ngn
hng, Th trng cc n v thuc Ngn hng Nh nc, Gim c Ngn hng Nh nc Chi
nhnh tnh, thnh ph trc thuc Trung ng, Ch tch Hi ng qun tr v Tng gim c
(Gim c) cc t chc tn dng chu trch nhim thi hnh Quyt nh ny.

THNG C NGN HNG NH NC

Ni nhn:
- Nh iu 3;
- VPCP;
- B T php;
- B Ni v (Phng PC);
- Cng bo (02 bn);
- Lu VP, V Cc NH.

baothtoan4.2004

QUY CH
HOT NG BAO THANH TON CA CC T CHC TN DNG
Ban hnh km theo Quyt nh s
/2004/Q-NHNN
ngy
thng nm 2004 ca Thng c Ngn hng Nh nc)

Chng I
QUY NH CHUNG
iu 1. Phm vi iu chnh v i tng p dng
1. Phm vi iu chnh: Quy ch ny qui nh v vic thc hin nghip v bao thanh
ton ca cc t chc tn dng i vi khch hng nhm a dng ho hot ng tn dng, b
sung vn lu ng cho khch hng, thc y hot ng thng mi trong nc v quc t.
2. i tng p dng:
2.1. T chc tn dng thc hin nghip v bao thanh ton l cc t chc tn dng thnh
lp v hot ng theo Lut cc T chc tn dng, gm:
- Ngn hng thng mi nh nc;
- Ngn hng thng mi c phn;
- Ngn hng lin doanh;
- Ngn hng 100% vn nc ngoi;
- Chi nhnh ngn hng nc ngoi;
- Cng ty ti chnh.
2.2. Khch hng c t chc tn dng bao thanh ton l cc t chc kinh t Vit Nam
v nc ngoi cung ng hng ho v c th hng cc khon phi thu pht sinh t vic mua,
bn hng ho theo tho thun gia bn bn hng v bn mua hng ti hp ng mua, bn hng
(sau y c vit tt l bn bn hng).
iu 2. Khi nim
Bao thanh ton l mt hnh thc cp tn dng ca t chc tn dng cho bn bn hng
thng qua vic mua li cc khon phi thu pht sinh t vic mua, bn hng ho c bn
bn hng v bn mua hng tho thun trong hp ng mua, bn hng.
iu 3. Nguyn tc thc hin bao thanh ton:
Hot ng bao thanh ton phi m bo cc nguyn tc sau:
1. m bo an ton trong hot ng ca t chc tn dng c thc hin bao thanh
ton v ph hp vi qui nh ca php lut Vit Nam;
2. m bo cc quyn, ngha v v li ch hp php ca cc bn tham gia vo hp
ng bao thanh ton v cc bn c lin quan n khon phi thu;
3. Khon phi thu c bao thanh ton phi c ngun gc t cc hp ng mua, bn
hng ph hp vi qui nh ca php lut lin quan.
iu 4. Gii thch t ng
Trong Quy ch ny, cc t ng di y c hiu nh sau:
1. n v bao thanh ton: l cc t chc tn dng quy nh ti im 2.1, khon 2, iu
1 ca Quy ch ny c Ngn hng Nh nc chp thun cho thc hin hot ng bao thanh
ton.
2. Bao thanh ton trong nc: l vic bao thanh ton da trn hp ng mua, bn hng,
trong bn bn hng v bn mua hng l ngi c tr theo quy nh ca php lut v qun l
ngoi hi.
3. Bao thanh ton xut-nhp khu: l vic bao thanh ton da trn hp ng xut- nhp
khu.
4. n v bao thanh ton xut khu: l n v thc hin bao thanh ton cho bn bn
hng l bn xut khu trong hp ng xut-nhp khu.

baothtoan4.2004

5. n v bao thanh ton nhp khu: l n v c php hot ng bao thanh ton
tham gia vo qui trnh bao thanh ton xut-nhp khu.
6. Bn mua hng: l t chc c nhn hng ho t bn bn hng v c ngha v thanh
ton cc khon phi thu quy nh ti hp ng mua, bn hng.
7. Hp ng mua, bn hng: l tho thun bng vn bn gia bn bn hng v bn mua
hng v vic mua, bn hng ho theo quy nh ca php lut, trong bn mua hng cha n
hn phi thc hin ngha v thanh ton.
8. Chng t bn hng: l cc chng t lin quan n vic giao hng v vic yu cu
thanh ton ca bn bn hng i vi bn mua hng trn c s hp ng mua, bn hng.
9. S d bao thanh ton: l s tin m n v bao thanh ton ng trc cho bn bn
hng theo tho thun ti hp ng bao thanh ton.
10. Khon phi thu: l khon tin bn bn hng phi thu t bn mua hng theo hp
ng mua, bn hng.
11. Hn mc bao thanh ton: l tng s d ti a ca cc khon phi thu c bao
thanh ton trong mt khong thi gian nht nh theo tho thun ca n v bao thanh ton v
bn bn hng trong hp ng bao thanh ton.
iu 5. C quan cho php hot ng bao thanh ton
Cc t chc tn dng quy nh ti iu 1 ca Quy ch ny mun c thc hin hot
ng bao thanh ton phi c Ngn hng Nh nc Vit Nam chp thun bng vn bn.
iu 6. p dng cc iu c v tp qun quc t
1. Cc iu c quc t v bao thanh ton m CHXHCN Vit Nam k kt hoc tham
gia c quy nh khc vi quy nh ti Quy ch ny th p dng quy nh ti iu c quc t
.
2. Cc bn c th tho thun p dng cc quy tc, tp qun v thng l v bao thanh
ton, nu cc quy tc, tp qun v thng l khng tri vi php lut Vit Nam.

Chng II
HOT NG BAO THANH TON
Mc 1
CHP THUN HOT NG BAO THANH TON
iu 7. iu kin c hot ng bao thanh ton:
1. Ngn hng Nh nc cho php thc hin hot ng bao thanh ton trong nc khi t
chc tn dng c cc iu kin sau:
a. C nhu cu hot ng bao thanh ton;
b. T l n qu hn trn tng d n cho vay ti thi im cui thng ca 3 thng gn
nht di 5%; khng vi phm cc quy nh v an ton hot ng ngn hng;
c. Khng thuc i tng ang b xem xt x l vi phm hnh chnh trong lnh vc ti
chnh, ngn hng hoc b x l vi phm hnh chnh trong lnh vc ti chnh, ngn hng
nhng khc phc c hnh vi vi phm.
2. i vi hot ng bao thanh ton xut-nhp khu:
Ngoi cc iu kin qui nh ti khon 1 iu ny, t chc tn dng xin hot ng bao
thanh ton xut-nhp khu phi l t chc tn dng c php hot ng ngoi hi.
iu 8. H s xin chp thun hot ng bao thanh ton
1. H s ngh Ngn hng Nh nc chp thun hot ng bao thanh ton bao gm:
a. Vn bn ca Ch tch Hi ng qun tr t chc tn dng hoc ngi c u quyn
ngh Ngn hng Nh nc chp thun cho t chc tn dng hot ng bao thanh ton.
Trng hp u quyn, phi c vn bn u quyn ca Ch tch Hi ng qun tr;
i vi Chi nhnh ngn hng nc ngoi ti Vit Nam phi c vn bn ca Tng gim
c (Gim c) Chi nhnh ngn hng nc ngoi.
b. Phng n hot ng bao thanh ton, trong nu r nhu cu thc hin nghip v
bao thanh ton, i tng khch hng d kin v k hoch hot ng;

baothtoan4.2004

c. Bn sao Giy php thnh lp v hot ng; bn sao Giy chng nhn ng k kinh
doanh;
d. Bo co ti chnh ca t chc tn dng nm gn nht c kim ton bi mt t
chc kim ton c lp; bo co v vic thc hin cc t l bo m an ton trong hot ng
ca t chc tn dng ti thi im gn nht theo qui nh.
2. i vi hot ng bao thanh ton xut-nhp khu:
Ngoi cc h s qui nh ti khon 1 iu ny, h s xin hot ng bao thanh ton
xut-nhp khu cn bao gm bn sao giy php hot ng ngoi hi do Ngn hng Nh nc
cp.
iu 9. Trnh t v th tc chp thun hot ng bao thanh ton
Trnh t v th tc ngh Ngn hng Nh nc chp thun hot ng bao thanh ton
ca t chc tn dng:
1. T chc tn dng c phn gi 02 b h s xin chp thun hot ng bao thanh ton
cho Ngn hng Nh nc Chi nhnh tnh, thnh ph ni t chc tn dng t tr s chnh.
Trong thi gian ti a 15 ngy lm vic k t ngy nhn h s, Ngn hng Nh nc
Chi nhnh tnh, thnh ph xem xt, c kin bng vn bn v iu kin, h s xin hot ng
bao thanh ton theo quy nh ti cc iu 7 v iu 8 Quy ch ny v gi cho Ngn hng Nh
nc (V Cc Ngn hng v t chc tn dng phi ngn hng) km theo 01 b h s ca t chc
tn dng c phn.
2. Cc t chc tn dng (tr t chc tn dng c phn) gi 01 b h s xin chp thun
hot ng bao thanh ton cho Ngn hng Nh nc (V Cc Ngn hng v t chc tn dng
phi ngn hng).
3. Trong thi gian ti a 30 ngy lm vic k t ngy nhn h s ca t chc tn
dng (tr t chc tn dng c phn), 15 ngy lm vic k t ngy nhn c h s ca t chc
tn dng c phn do Ngn hng Nh nc Chi nhnh tnh, thnh ph gi ti, Ngn hng Nh
nc xem xt v c kin bng vn bn v vic chp thun hay khng chp thun cho php
hot ng bao thanh ton ca cc t chc tn dng c nhu cu hot ng bao thanh ton.
Trng hp khng chp thun, Ngn hng Nh nc c vn bn nu r l do.
iu 10. iu kin tin hnh hot ng bao thanh ton
1. Trc khi thc hin hot ng bao thanh ton, t chc tn dng phi tin hnh ng
k ti c quan ng k kinh doanh v ng bo Trung ng, a phng 3 s lin tip bng
ting Vit theo quy nh ca php lut hin hnh.
2. T chc tn dng phi gi ti Ngn hng Nh nc bn ng k ca c quan ng k
kinh doanh v cc ti liu khc c lin quan.
Mc 2
CC QUY NH V HOT NG BAO THANH TON
iu 11. Loi hnh bao thanh ton
1. n v bao thanh ton c thc hin cc hnh thc bao thanh ton sau:
a. Bao thanh ton c quyn truy i: n v bao thanh ton c quyn i li s tin
ng trc cho bn bn hng khi bn mua hng khng c kh nng hon thnh ngha v thanh
ton khon phi thu.
b. Bao thanh ton khng c quyn truy i: n v bao thanh ton chu ton b ri ro
khi bn mua hng khng c kh nng hon thnh ngha v thanh ton khon phi thu. n v
bao thanh ton ch c quyn i li s tin ng trc cho bn bn hng trong trng hp
bn mua hng t chi thanh ton khon phi thu do bn bn hng giao hng khng ng nh
tho thun ti hp ng mua, bn hng hoc v mt l do khc khng lin quan n kh nng
thanh ton ca bn mua hng.
2. n v bao thanh ton c thc hin bao thanh ton trong nc v bao thanh ton
xut-nhp khu.

baothtoan4.2004

iu 12. Phng thc bao thanh ton

1. Bao thanh ton tng ln: n v bao thanh ton v bn bn hng thc hin cc th
tc cn thit v k hp ng bao thanh ton i vi cc khon phi thu ca bn bn hng.
2. Bao thanh ton theo hn mc: n v bao thanh ton v bn bn hng tho thun v
xc nh mt hn mc bao thanh ton duy tr trong mt khong thi gian nht nh.
3. ng bao thanh ton: hai hay nhiu n v bao thanh ton cng thc hin hot ng
bao thanh ton cho mt hp ng mua, bn hng, trong mt n v bao thanh ton lm u
mi thc hin vic t chc ng bao thanh ton.
iu 13. Quy trnh hot ng bao thanh ton:
1. Hot ng bao thanh ton c thc hin theo cc bc chnh nh sau:
a. Bn bn hng ngh n v bao thanh ton thc hin bao thanh ton cc khon phi
thu;
b. n v bao thanh ton thc hin phn tch cc khon phi thu, tnh hnh hot ng v
kh nng ti chnh ca bn bn hng v bn mua hng;
c. n v bao thanh ton v bn bn hng tho thun v k kt hp ng bao thanh
ton.
d. n v bao thanh ton v bn bn hng ng k gi vn bn thng bo v hp ng
bao thanh ton cho bn mua hng v cc bn lin quan, trong nu r vic bn bn hng
chuyn giao quyn i n cho n v bao thanh ton v hng dn bn mua hng thanh ton
trc tip cho n v bao thanh ton.
. Bn mua hng gi vn bn cho bn bn hng v n v bao thanh ton xc nhn v
vic nhn c thng bo v cam kt v vic thc hin thanh ton cho n v bao thanh
ton.
e. Bn bn hng chuyn giao bn gc hp ng mua, bn hng, chng t bn hng v cc
chng t khc lin quan n cc khon phi thu cho n v bao thanh ton;
g. n v bao thanh ton chuyn tin ng trc cho bn bn hng theo tho thun trong
hp ng bao thanh ton;
h. n v bao thanh ton theo di, thu n t bn mua hng
i. n v bao thanh ton tt ton tin vi bn bn hng theo quy nh trong hp ng
bao thanh ton;
k. Gii quyt cc vn tn ti pht sinh khc.
2. i vi hot ng bao thanh ton xut-nhp khu: qui trnh nghip v bao thanh ton
c th c thc hin theo quy nh ti khon 1 iu ny hoc c thc hin thng qua n
v bao thanh ton nhp khu. n v bao thanh ton nhp khu chu trch nhim phn tch
khon phi thu, tnh hnh hot ng, kh nng ti chnh ca bn mua hng l bn nhp khu
trong hp ng xut-nhp khu; thc hin vic thu n theo u quyn ca n v bao thanh ton
xut khu v cam kt s thanh ton thay cho bn nhp khu trong trng hp bn nhp khu
khng c kh nng thanh ton khon phi thu.
Trng hp hot ng bao thanh ton thc hin qua n v bao thanh ton nhp khu,
n v bao thanh ton xut khu v n v bao thanh ton nhp khu phi tho thun v k kt
mt hp ng ring ph hp vi quy nh ca php lut, trong quy nh c th v quyn li
v ngha v ca mi bn.
iu 14. Qui nh v ng tin c s dng trong hot ng bao thanh ton
Cc giao dch bao thanh ton c thc hin bng ng Vit Nam. i vi cc giao
dch bao thanh ton thc hin bng ngoi t, n v bao thanh ton, bn bn hng v bn mua
hng phi thc hin ng cc quy nh hin hnh v qun l ngoi hi.
iu 15. Li v ph trong hot ng bao thanh ton
Li v ph trong hot ng bao thanh ton do cc bn tho thun ti hp ng bao thanh
ton, gm:
1. Li c tnh trn s vn m n v bao thanh ton ng trc cho bn bn hng ph
hp vi li sut th trng.

baothtoan4.2004

2. Ph c tnh trn gi tr khon phi thu b p ri ro tn dng, chi ph qun l s

sch bn hng v cc chi ph khc.
iu 16. Bo m cho hot ng bao thanh ton
n v bao thanh ton v bn bn hng tho thun p dng hoc khng p dng cc
bin php bo m cho hot ng bao thanh ton. Cc hnh thc bo m bao gm: k qu,
cm c, th chp ti sn, bo lnh bng ti sn ca bn th ba v cc bin php bo m khc
theo quy nh ca php lut.
iu 17. Cc quy nh v gia hn thanh ton v chuyn n qu hn trong bao thanh ton
Cc quy nh v gia hn thanh ton v chuyn n qu hn trong bao thanh ton c
thc hin theo hng dn ca Ngn hng Nh nc.
iu 18. Quy nh v thu
Cc quy nh v thu i vi hot ng bao thanh ton c thc hin theo quy nh
ca php lut.
iu 19. Cc khon phi thu khng c bao thanh ton
Nhng khon phi thu sau y khng c thc hin bao thanh ton:
1. Pht sinh t hp ng mua, bn hng ho b php lut cm;
2. Pht sinh t cc giao dch, tho thun bt hp php;
3. Pht sinh t cc giao dch, tho thun ang c tranh chp;
4. Pht sinh t cc hp ng bn hng di hnh thc k gi;
5. Pht sinh t hp ng mua, bn hng c thi hn thanh ton cn li di hn 180
ngy.
6. Cc khon phi thu c gn n hoc cm c, th chp.
7. Cc khon phi thu qu hn thanh ton theo hp ng mua, bn hng.
iu 20. Quy nh v an ton
1. Hot ng bao thanh ton phi bo m cc quy nh v an ton ti Lut cc T chc
tn dng v cc vn bn hng dn ca Ngn hng Nh nc;
2. Tng s d bao thanh ton cho mt khch hng khng c vt qu 15% vn t c
ca n v bao thanh ton. i vi chi nhnh ngn hng nc ngoi, tng s d bao thanh ton
cho mt khch hng khng c vt qu 15% vn t c ca ngn hng nc ngoi.
3. S d cc khon phi thu m n v bao thanh ton nhp khu bo lnh thanh ton
cho 01 bn nhp khu phi nm trong gii hn tng s d bo lnh ca t chc tn dng cho 01
khch hng theo quy nh ti Quy ch Bo lnh ngn hng.
4. Trng hp nhu cu bao thanh ton ca mt khch hng vt qu 15% vn t c ca
n v bao thanh ton th cc n v bao thanh ton c thc hin ng bao thanh ton cho
khch hng theo quy nh ca Ngn hng Nh nc.
5. Tng s d bao thanh ton khng c vt qu vn t c ca n v bao thanh
ton.

Chng III
HP NG BAO THANH TON
iu 21. Hp ng bao thanh ton
1. Hp ng bao thanh ton l vn bn tho thun gia n v bao thanh ton v bn
bn hng v vic mua li cc khon phi thu ph hp vi cc quy nh ca php lut.
2. Hp ng bao thanh ton c th c sa i, b sung hoc hu b nu cc bn lin
quan c tho thun.
iu 22. Ni dung hp ng bao thanh ton
Hp ng bao thanh ton bao gm cc ni dung chnh sau:
1. Tn, a ch, in thoi, Fax ca cc bn k hp ng bao thanh ton;

baothtoan4.2004

2. Gi tr cc khon phi thu c bao thanh ton, quyn v li ch lin quan n

khon phi thu theo hp ng mua, bn hng;
3. Li v ph bao thanh ton;
4. Gi mua, bn khon phi thu: c xc nh trn c s gi tr khon phi thu sau
khi tr i li v ph bao thanh ton.
5. S tin ng trc v phng thc thanh ton;
6. Thng bo v vic bao thanh ton cho bn mua hng v cc bn c lin quan;
7. Hnh thc bo m cho n v bao thanh ton truy i li s tin ng trc, gi
tr ti sn lm bo m;
8. Thi hn hiu lc ca hp ng bao thanh ton;
9. Quyn v ngha v ca cc bn;
10. Phng thc chuyn giao hp ng mua, bn hng, chng t bn hng, quyn, li
ch v cc giy t lin quan n khon phi thu c bao thanh ton;
11. Quy nh v vic truy i ca n v bao thanh ton;
12. Gii quyt tranh chp pht sinh;
13. Cc tho thun khc.

Chng IV
QUYN V NGHA V CA CC BN
iu 23. Quyn v ngha v ca n v bao thanh ton
1. Quyn ca n v bao thanh ton:
a. c yu cu bn bn hng cung cp cc thng tin v ti liu lin quan n khon
phi thu, kh nng ti chnh v tnh hnh hot ng ca bn bn hng;
b. c yu cu bn bn hng chuyn giao ton b bn gc hp ng mua, bn hng,
chng t bn hng, quyn, li ch v cc giy t c lin quan n khon phi thu c bao
thanh ton;
c. C quyn i n i vi bn mua hng theo gi tr khon phi thu c bao thanh
ton v c hng cc quyn v li ch khc m ngi bn hng c hng theo quy nh
ti hp ng mua, bn hng;
d. c chuyn quyn i n, tr trng hp cc bn trong hp ng bao thanh ton c
tho thun khng c chuyn giao quyn i n.
2. Ngha v ca n v bao thanh ton:
a. Thng bo cho bn mua hng v cc bn c lin quan theo quy nh ti im d,
khon 1, iu 13 ca Quy ch ny;
b. Thanh ton cho bn bn hng theo gi mua khon phi thu c tho thun trong
hp ng bao thanh ton;
c. Chu ton b ri ro khi bn mua hng khng c kh nng hon thnh ngha v thanh
ton khon phi thu trong trng hp thc hin bao thanh ton khng c quyn truy i.
d. Thc hin ng v y cc iu khon tho thun trong hp ng bao thanh
ton.
iu 24. Quyn v ngha v ca bn bn hng
1. Quyn ca bn bn hng:
Nhn tin thanh ton ca n v bao thanh ton theo gi mua, bn khon phi thu
tho thun trong hp ng bao thanh ton;
2. Ngha v ca bn bn hng:
a. Cung cp y , chnh xc v trung thc thng tin, ti liu v bo co theo yu cu
ca n v bao thanh ton;
b. Thng bo cho bn mua hng v cc bn c lin quan theo quy nh ti im d, khon
1, iu 13 ca Quy ch ny;
c. Chu ri ro khi bn mua hng khng c kh nng hon thnh ngha v thanh ton cc
khon phi thu trong trng hp bao thanh ton c quyn truy i.

baothtoan4.2004

d. Chuyn giao y v ng hn cho n v bao thanh ton hp ng mua, bn hng,

chng t bn hng, quyn, li ch v cc giy t khc c lin quan n khon phi thu c
bao thanh ton theo tho thun trong hp ng bao thanh ton;
e. Thc hin ng v y cc iu khon tho thun trong hp ng bao thanh
ton v hp ng mua, bn hng.
iu 25. Quyn v ngha v ca bn mua hng
1. Quyn ca bn mua hng:
a. c thng bo v vic bao thanh ton;
b. Khng thay i v quyn li v ngha v quy nh ti hp ng mua, bn hng,
ngoi tr bn nhn tin thanh ton khon phi thu. Vic iu chnh cc iu khon quy nh ti
hp ng mua, bn hng phi c bn mua hng chp thun bng vn bn.
2. Ngha v ca bn mua hng:
a. Xc nhn bng vn bn v vic nhn c thng bo v cam kt thanh ton
theo quy nh ti im , khon 1, iu 13; trng hp t chi thanh ton phi c l do xc
ng v phi thng bo bng vn bn ngay cho bn bn hng v n v bao thanh ton.
b. Thanh ton cho n v bao thanh ton theo ng cc iu khon quy nh ti hp
ng mua, bn hng.
c. Khng c i li s tin thanh ton cho n v bao thanh ton trong trng
hp bn bn hng khng thc hin, hoc thc hin khng ng, y cc iu khon quy
nh ti hp ng mua, bn hng, tr trng hp n v bao thanh ton c tnh thanh ton
khon chi tr ca bn mua hng cho bn bn hng sau khi c bn mua hng thng bo v
vic bn bn hng c hnh vi vi phm hp ng mua, bn hng.

Chng V
X l vi phm
iu 26. X l vi phm
T chc, c nhn vi phm quy nh ti Quy ch ny, tu theo tnh cht v mc vi
phm, s b x l k lut, x pht vi phm hnh chnh, hoc b truy cu trch nhim hnh s
theo quy nh ca php lut.

Chng VI
iu khon thi hnh
iu 27. T chc thc hin
1. Trch nhim ca n v bao thanh ton: Cn c vo Quy ch ny v cc qui nh ca
vn bn php lut c lin quan, n v bao thanh ton ban hnh cc vn bn hng dn nghip
v bao thanh ton c th ph hp vi iu kin, c im v iu l ca mnh.
2. Trch nhim ca cc n v thuc Ngn hng Nh nc:
a. V Cc Ngn hng v Ngn hng Nh nc Chi nhnh tnh, thnh ph:
- Tip nhn h s xin php hot ng bao thanh ton ca cc t chc tn dng theo
ng trnh t v th tc c quy nh ti Chng II mc 1 ca Quy ch ny.
- Phi hp vi cc V c lin quan thuc Ngn hng Nh nc xem xt trnh Thng
c quyt nh vic cho php T chc tn dng c thc hin nghip v bao thanh ton.
b. Thanh tra Ngn hng Nh nc:
- Phi hp v cung cp cho V Cc Ngn hng v tnh hnh hot ng ca cc t chc
tn dng trnh Thng c Ngn hng Nh nc xem xt quyt nh cho php T chc tn
dng thc hin nghip v bao thanh ton.
- T chc thanh tra, gim st vic thc hin nghip v bao thanh ton; X l theo thm
quyn v kin ngh Thng c Ngn hng Nh nc x l cc trng hp vi phm cc quy
nh ti Quy ch ny.

baothtoan4.2004

c. V Chnh sch tin t:

- Hng dn cc quy nh v gia hn thanh ton v chuyn n qu hn trong bao thanh
ton ca T chc tn dng.
- Quy nh ch bo co nh k v hot ng bao thanh ton cho cc n v c thm
thm quyn thuc Ngn hng Nh nc.
d. V K ton - Ti chnh: hng dn hch ton k ton nghip v bao thanh ton ca
cc t chc tn dng.
e. V Tn dng: hng dn cc n v bao thanh ton thc hin ng bao thanh ton.
iu 28. Sa i, b sung Quy ch
Vic sa i, b sung Quy ch ny do Thng c Ngn hng Nh nc quyt nh./.
THNG C NGN HNG NH NC