QUYT NH

CA NGN HNG NH NC S 30/2008/Q-NHNN NGY 16 THNG 10 NM 2008 SA I, B SUNG MT S IU CA QUY CH HOT NG BAO THANH TON CA CC T CHC TN DNG BAN HNH THEO QUYT NH S 1096/2004/Q-NHNN NGY 06/9/2004 CA THNG C NGN HNG NH NC THNG C NGN HNG NH NC

Cn c Lut Ngn hng Nh nc Vit Nam nm 1997 v Lut sa i, b sung mt s iu ca Lut Ngn hng Nh nc Vit Nam nm 2003; Cn c Lut cc T chc tn dng nm 1997 v Lut sa i, b sung mt s iu ca Lut cc T chc tn dng nm 2004; Cn c Lut Doanh nghip nm 2005; Cn c Ngh nh s 16/2001/N-CP ngy 02/5/2001 ca Chnh ph v t chc v hot ng ca cng ty cho thu ti chnh; Cn c Ngh nh s 95/2008/N-CP ngy 25/8/2008 ca Chnh ph sa i, b sung mt s iu ca Ngh nh s 16/2001/N-CP ngy 02/5/2001 v t chc v hot ng ca cng ty cho thu ti chnh; Cn c Ngh nh s 96/2008/N-CP ngy 26/8/2008 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 Cc Ngn hng v T chc tn dng phi ngn hng, QUYT NH: iu 1. Sa i, b sung mt s iu ca Quy ch hot ng bao thanh ton ca cc T chc tn dng ban hnh theo Quyt nh s 1096/2004/Q-NHNN ngy 06/9/2004 ca Thng c Ngn hng Nh nc (sau y vit tt l Quy ch hot ng bao thanh ton ) nh sau: 1. Cc thut ng sau ti Quy ch hot ng bao thanh ton c sa i nh sau: - Hp ng mua, bn hng ho thnh Hp ng mua bn hng ho, cung ng dch v. - Mua, bn hng ho thnh Mua bn hng ho, cung ng dch v; - Chng t bn hng thnh Chng t mua bn hng ho, cung ng dch v. - Bn mua hng thnh Bn mua hng ho, s dng dch v. - Bn bn hng thnh Bn bn hng ho, cung ng dch v 2. Khon 2 iu 1 c sa i, b sung nh sau: 2. i tng p dng: 2.1. T chc tn dng thc hin nghip v bao thanh ton, gm: a. T chc tn dng thnh lp v hot ng theo Lut cc T chc tn dng:

- Ngn hng thng mi nh nc; - Ngn hng thng mi c phn; - Ngn hng lin doanh; - Ngn hng 100% vn nc ngoi; - Cng ty ti chnh; - Cng ty cho thu ti chnh. b. Ngn hng nc ngoi c m chi nhnh ti Vit Nam theo Lut T chc tn dng. 2.2. Khch hng c t chc tn dng bao thanh ton l cc t chc kinh t Vit Nam v nc ngoi bn hng ho, cung ng dch v (sau y vit tt l bn bn hng) v c th hng cc khon phi thu pht sinh t vic bn hng ho, cung ng dch v theo tho thun gia bn bn hng v bn mua hng ho, s dng dch v (sau y vit tt l bn mua hng) ti hp ng mua bn hng ho, cung ng dch v. i vi Cng ty cho thu ti chnh, ch c thc hin bao thanh ton i vi khch hng l bn thu ca Cng ty cho thu ti chnh. 3. iu 7 c sa i, b sung nh sau: b. T l n xu trn tng d n ti thi im cui tng thng ca ba thng gn nht di 5%; khng vi phm cc quy nh v cc t l m bo an ton trong hot ng ngn hng; 3. i vi Cng ty cho thu ti chnh, ch c thc hin hot ng bao thanh ton khi c mc vn iu l tng ng vi mc vn php nh quy nh i vi Cng ty ti chnh,. 4. iu 8 c b sung Khon 3 nh sau: 3. Cc ti liu trong h s phi l bn chnh, trng hp l cc bn sao trong h s phi c xc nhn ca c quan cp bn chnh hoc chng thc ca c quan c thm quyn theo quy nh ca php lut. 5. iu 10 c sa i, b sung nh sau: 2. T chc tn dng phi gi ti Ngn hng Nh nc cc s bo ng, bn sao giy chng nhn ng k kinh doanh c chng thc ca c quan c thm quyn v cc ti liu khc c lin quan. 3. Trong thi hn su thng, k t ngy c Ngn hng Nh nc chp thun bng vn bn, t chc tn dng phi tin hnh thc hin hot ng bao thanh ton. Ht thi hn quy nh, nu t chc tn dng khng tin hnh hot ng bao thanh ton, vn bn chp thun ca Ngn hng Nh nc s ht hiu lc. 6. im d, , e Khon 1 iu 13 c sa i nh sau: d. Bn bn hng 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 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. Trng hp bn mua hng khng c vn bn cam kt thc hin thanh ton cho n v bao thanh ton th vic tip tc thc hin bao thanh ton gia bn bn v n v bao thanh ton s do hai bn quyt nh v t chu trch nhim khi c ri ro pht sinh. e. Bn bn hng chuyn giao bng k km bn gc hp ng mua bn hng ho, cung ng dch v; chng t mua bn hng ho, cung ng dch v v cc chng t khc lin quan n cc khon phi thu cho n v bao thanh ton. Nu ti liu nu trn l bn sao c chng thc ca c quan c thm quyn th s do bn bn hng, n v bao thanh ton tho thun v t chu trch nhim v quyt nh ca mnh khi c ri ro pht sinh; 7. iu 19 c b sung Khon 8 v Khon 9 nh sau: 8. Cc khon phi thu pht sinh t hp ng cung ng dch v trong lnh vc xy dng; lnh vc ti chnh, ngn hng theo ph lc nh km; 9. Hp ng mua bn hng ho v cung ng dch v c tho thun khng c chuyn giao quyn v ngha v trong hp ng. 8. iu 23 c sa i, b sung nh sau: - Sa i im b, Khon 1: c yu cu bn bn hng chuyn giao ton b bng k km bn gc hoc bn sao c chng thc ca c quan c thm quyn v hp ng mua bn hng ho, cung ng dch v; chng t mua bn hng ho, cung ng dch v; quyn, li ch v cc giy t lin quan n khon phi thu c bao thanh ton. - B im a, Khon 2, iu 23; 9. im d Khon 2 iu 24 c sa i, b sung nh sau: d. Chuyn giao y v ng hn cho n v bao thanh ton ton b bng k km bn gc (hoc bn sao c chng thc ca c quan c thm quyn) hp ng mua bn hng ho, cung ng dch v; chng t mua bn hng ho, cung ng dch v; 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. iu 2. Quyt nh ny c hiu lc thi hnh sau mi lm ngy k t ngy ng Cng bo. 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 v cc thnh vin Hi ng Qun tr, Trng ban v cc thnh vin Ban kim sot v Tng Gim c (Gim c) cc t chc tn dng chu trch nhim thi hnh Quyt nh ny./. KT. THNG C PH THNG C Trn Minh Tun

Ph lc DANH MC CC DCH V TI CHNH- NGN HNG (*) A. DCH V BO HIM V DCH V LIN QUAN N BO HIM: 1. Bo him trc tip (k c ng bo him): - Nhn th - Phi nhn th 2. Ti bo him v ti nhng bo him; 3. Trung gian bo him, nh mi gii v i l; 4. Dch v ph tr cho bo him, nh t vn, dch v nh gi xc xut v ri ro v dch v gii quyt khiu ni. B. NGN HNG V CC DCH V TI CHNH KHC (TR BO HIM) 1. Nhn tin gi hoc t cc v cc khon tin c th thanh ton khc ca cng chng; 2. Cho vay di cc hnh thc, bao gm tn dng tiu dng, tn dng th chp, bao tiu n v ti tr cc giao dch thng mi; 3. Thu mua ti chnh; 4. Mi dch v thanh ton v chuyn tin, bao gm th tn dng, th thanh ton v bo n, sc du lch v hi phiu ngn hng. 5. Bo lnh v cam kt. 6. Kinh doanh ti khon ca mnh hoc ca khch hng, ti s giao dch v trn th trng khng chnh thc, hoc cc giao dch khc v: - Cng c th trng tin t (gm sc, chng ch tin gi) - Ngoi hi; - Cc sn phm ti chnh phi sinh, bao gm nhng khng hn ch cc hp ng k hn (futures) hoc hp ng quyn chn (opions); - Cc sn phm da trn t gi hi oi v li sut, gm cc sn phm nh hon i (swaps), hp ng t gi k hn; - Chng khon c th chuyn nhng; - Cc cng c c th chuyn nhng khc bng ti sn ti chnh, k c kim kh qu. 7. Tham gia vo vic pht hnh cc loi chng khon, k c bo lnh pht hnh v cho bn nh i l (cng khai hoc theo tho thun ring) v cung cp dch v lin quan ti vic pht hnh ; 8. Mi gii tin t; 9. Qun l ti sn, nh tin mt hoc qun l danh mc u t, cc hnh thc qun l u t tp th, qun l qu hu tr, dch v bo qun, lu gi v tn thc. 10. Cc dch v thanh ton v quyt ton ti sn ti chnh, bao gm chng khon, cc sn phm ti chnh phi sinh v cc cng c thanh ton khc; 11. Cc dch v v t vn, trung gian mi gii v cc dch v ti chnh ph tr khc lin quan n cc hot ng nu t im (1) n im (10), k c tham kho v phn tch tn dng, nghin cu, t vn u t v danh mc u t, t vn mua sm v v c cu li hoc chin lc doanh nghip. (*) Ngun: Theo Cc vn bn php l c bn ca T chc thng mi th gii WTO nm 2007 - t USAID v U Ban Quc Gia v hp tc kinh t quc t (tr. 245)