ngn hng nh nc

vit nam

cng ho x hi ch ngha vit nam

c lp - T do - Hnh phc

S: 127/2005/Q-NHNN

H Ni, ngy 03 thng 2 nm 2005

quyt nh ca thng c ngn hng nh nc

V vic sa i, b sung mt s iu ca Quy ch cho vay ca t chc tn dng
i vi khch hng ban hnh theo Quyt nh s 1627/2001/Q-NHNN
ngy 31/12/2001 ca Thng c Ngn hng Nh nc

thng c ngn hng nh nc

- Cn c Lut Ngn hng Nh nc Vit Nam 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, 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 05 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;
- Cn c Ngh nh s 52/2003/N-CP ngy 19 thng 5 nm 2003 ca
Chnh ph quy nh chc nng, nhim v, quyn hn v c cu t chc ca Ngn
hng Nh nc Vit Nam;
- Theo ngh ca V trng V Chnh sch tin t,

quyt nh:

iu 1. Sa i, b sung mt s iu ca Quy ch cho vay ca t chc tn

dng i vi khch hng ban hnh theo Quyt nh s 1627/2001/Q-NHNN
ngy 31/12/2001 ca Thng c Ngn hng Nh nc nh sau:
1. Khon 2 iu 2 c sa i, b sung nh sau:
2. Khch hng vay ti t chc tn dng l cc t chc, c nhn Vit Nam
v nc ngoi c nhu cu vay vn, c kh nng tr n thc hin cc d n u
t, phng n sn xut, kinh doanh, dch v hoc d n u t, phng n phc
v i sng trong nc v nc ngoi. Trng hp khch hng vay vn thc
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hin cc d n u t, phng n sn xut, kinh doanh, dch v nc ngoi,

Ngn hng Nh nc Vit Nam c quy nh ring..
2. Khon 4 v 5 iu 3 c sa i, b sung nh sau:
4. C cu li thi hn tr n l vic t chc tn dng iu chnh k hn tr
n, gia hn n vay i vi cc khon n vay ca khch hng theo hai phng
thc sau:
a) iu chnh k hn tr n l vic t chc tn dng chp thun thay i k
hn tr n gc v/hoc li vn vay trong phm vi thi hn cho vay tho thun
trc trong hp ng tn dng, m k hn tr n cui cng khng thay i.
b) Gia hn n vay l vic t chc tn dng chp thun ko di thm mt
khong thi gian tr n gc v/hoc li vn vay, vt qu thi hn cho vay
tho thun trc trong hp ng tn dng..
3. Khon 6 iu 3 c sa i, b sung nh sau:
6. D n u t, phng n sn xut, kinh doanh, dch v hoc d n u
t, phng n phc v i sng m khch hng gi n t chc tn dng l mt
tp hp nhng xut; trong c nhu cu vn, vay vn, cch thc s dng vn
v cch thc tr n vay trong mt khong thi gian xc nh..
4. Khon 2 iu 13 c sa i, b sung nh sau:
2. i vi khon n vay khng tr n ng hn, c t chc tn dng
nh gi l khng c kh nng tr n ng hn v khng chp thun cho c cu
li thi hn tr n, th s d n gc ca hp ng tn dng l n qu hn v t
chc tn dng thc hin cc bin php thu hi n; vic pht chm tr i vi
n qu hn v n li vn vay do hai bn tho thun trn c s quy nh ca php
lut. T chc tn dng phn loi ton b s d n gc ca khch hng vay c n
qu hn vo ti khon cho vay thch hp theo quy nh ca Ngn hng Nh nc
Vit Nam..
5. iu 21 c sa i nh sau:
iu 21. Kim tra, gim st vn vay
1. T chc tn dng c trch nhim v c quyn kim tra, gim st qu trnh
vay vn, s dng vn vay v tr n ca khch hng.
2. T chc tn dng xy dng quy trnh v thc hin kim tra, gim st qu
trnh vay vn, s dng vn vay v tr n ca khch hng ph hp vi c im
hot ng ca t chc tn dng v tnh cht ca khon vay, nhm bo m hiu

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qu v kh nng thu hi vn vay; gi quy trnh kim tra gim st vn vay ca

khch hng cho Thanh tra Ngn hng Nh nc..
6. iu 22 c sa i nh sau:
iu 22. C cu li thi hn tr n
1. Cc t chc tn dng t quyt nh vic c cu li thi hn tr n, trn c
s kh nng ti chnh ca mnh v kt qu nh gi kh nng tr n ca khch
hng vay. Ton b s d n vay gc ca khch hng c khon n c cu li thi
hn tr n c coi l n qu hn v phn loi vo cc nhm n t nhm 2 n
nhm 5 theo quy nh v phn loi n ca Ngn hng Nh nc Vit Nam:
a) Khch hng khng c kh nng tr n ng k hn n gc v/hoc li
vn vay trong phm vi thi hn cho vay tho thun trong hp ng tn dng
v t chc tn dng nh gi l c kh nng tr n trong cc k hn tip theo, th
t chc tn dng xem xt iu chnh k hn tr n gc v/hoc li vn vay. Ton
b s d n vay gc ca khch hng ny c phn loi vo cc nhm n t
nhm 2 n nhm 4.
b) Khch hng khng c kh nng tr ht n gc v/hoc li vn vay ng
thi hn cho vay tho thun trong hp ng tn dng v c t chc tn dng
nh gi l c kh nng tr n trong mt khong thi gian nht nh sau thi hn
cho vay, th t chc tn dng xem xt cho gia hn n vi thi hn ph hp vi
ngun tr n ca khch hng. Ton b s d n vay gc ca khch hng ny
c phn loi vo cc nhm n t nhm 3 n nhm 5.
2. Cc t chc tn dng phi ban hnh quy nh v c cu li thi hn tr n
ph hp vi quy nh ca Ngn hng Nh nc Vit Nam; vic phn cp, u
quyn cho cc Chi nhnh ca mnh quyt nh vic c cu li thi hn tr n
phi bo m Hi s chnh nm c kp thi, y v chnh xc cc khon n
c c cu li thi hn tr n trong ton h thng. Cc t chc tn dng phi gi
quy nh v c cu li thi hn tr n cho Thanh tra Ngn hng Nh nc ngay
sau khi ban hnh.
3. i vi cc khon n vay c c cu li thi hn tr n, cc t chc tn
dng phi bo co theo quy nh ca Ngn hng Nh nc Vit Nam v ch
bo co thng k p dng i vi t chc tn dng..
7. Khon 1 iu 23 c sa i nh sau:
1. Khch hng vay b tn tht v ti sn dn n kh khn v ti chnh;.
iu 2. Cm t php nhn ti iu 7 v iu 10 Quy ch cho vay ca t
chc tn dng i vi khch hng ban hnh theo Quyt nh s 1627/2001/Q-

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NHNN ngy 31/12/2001 ca Thng c Ngn hng Nh nc c thay bng

cm t t chc.
iu 3. nh k, cc t chc tn dng cn c vo tnh trng tr n vay, kt
qu nh gi hot ng kinh doanh, kh nng ti chnh v tr n ca khch hng
vay phn loi n vay ca khch hng theo quy nh ca Ngn hng Nh nc
Vit Nam v phn loi n, trch lp v s dng d phng x l ri ro trong
hot ng ngn hng ca t chc tn dng.
iu 4. Quyt nh ny c hiu lc thi hnh sau mi lm ngy k t ngy
ng Cng bo. Bi b quy nh ti cc vn bn: Quyt nh s 688/2002/QNHNN ngy 1/7/2002 ca Thng c Ngn hng Nh nc v vic thc hin
chuyn n qu hn cc khon n vay ca khch hng ti cc t chc tn dng;
cng vn s 405/NHNN-CSTT ngy 16/4/2002 v vic hng dn thc hin quy
nh v chuyn n qu hn; cng vn s 950/NHNN-CSTT ngy 3/9/2002 v
chuyn n qu hn i vi trng hp chm tr n gc, li vn vay; cng vn s
1140/NHNN-CSTT ngy 29/9/2003 v vic p dng li sut n qu hn v thi
im tnh li n qu hn; cc quy nh khc tri vi Quyt nh ny.
iu 5. Th trng cc n v thuc Ngn hng Nh nc, Gim c chi
nhnh cc tnh, thnh ph trc thuc Trung ng; 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 5,
- Th tng Chnh ph
v cc Ph Th tng,
- Ban lnh o NHNN,
- Vn phng Chnh ph,
- B T php,
- Cng bo (2 bn),
- Lu VP, V CSTT.

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k : L c Thy