ngn hng nh nc vit nam

cng ho x hi ch ngha vit nam

c lp - T do - Hnh phc H Ni, ngy 22 thng 01 nm 2007

S : 04/2007/Q-NHNN

Quyt nh V vic thu chi v cho vay qua m p dng trong thanh ton in t lin ngn hng

Thng c Ngn hng Nh nc Cn c Lut Ngn hng Nh nc Vit Nam nm 1997; Lut sa i, b sung mt s iu ca Lut Ngn hng Nh nc Vit Nam nm 2003; Cn c Ngh nh s 64/2001/N-CP ngy 20 thng 09 nm 2001 ca Chnh ph v hot ng thanh ton qua cc t chc cung ng dch v thanh ton; Cn c Ngh nh s 141/2003/N-CP ngy 20 thng 11 nm 2003 ca Chnh ph v vic pht hnh tri phiu Chnh ph, tri phiu c Chnh ph bo lnh v tri phiu chnh quyn a phng; Cn c Ngh nh s 151/2006/N-CP ngy 20 thng 12 nm 2006 ca Chnh ph v tn dng u t v tn dng xut khu ca Nh nc; Cn c Ngh nh s 52/2003/N-CP ngy 19 thng 05 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. Phm vi iu chnh v i tng p dng Quyt nh ny quy nh vic thu chi v cho vay qua m ca Ngn hng Nh nc Vit Nam i vi cc ngn hng c thnh lp v hot ng theo Lut Cc t chc tn dng, l thnh vin trc tip tham gia h thng thanh ton in t lin ngn hng (gi tt l ngn hng) nhm p ng phn vn thiu ht trong ti khon tin gi thanh ton trong thanh ton in t lin ngn hng. iu 2. Gii thch t ng 1. Thu chi trong thanh ton in t lin ngn hng l vic cc ngn hng c chi vt s d c trn ti khon tin gi thanh ton ca mnh m ti S Giao dch - Ngn hng Nh nc Vit Nam trong ngy thanh ton.

2. Cho vay qua m trong thanh ton in t lin ngn hng l vic Ngn hng Nh nc Vit Nam cho cc ngn hng vay c bo m bng cm c cc giy t c gi trong khong thi gian tnh t cui ngy lm vic hm trc n 8 gi 30 pht ngy lm vic lin k tip theo. iu 3. Mc ch thu chi v cho vay qua m 1. Cc ngn hng c thu chi b p thiu ht vn thanh ton tm thi trong ngy trong thanh ton in t lin ngn hng. 2. Cc ngn hng c Ngn hng Nh nc Vit Nam cho vay qua m tt ton khon thu chi ti thi im cui ngy lm vic. iu 4. iu kin thu chi v cho vay qua m c thu chi v cho vay qua m, cc ngn hng phi c cc iu kin sau: 1. C giy ngh thu chi v vay qua m c Ngn hng Nh nc Vit Nam chp nhn; 2. Tha nhn v chp hnh cc quy nh ca Quyt nh ny; 3. C ti sn cm c thc hin bo m tin vay. iu 5. Ti sn cm c cho khon thu chi v cho vay qua m 1. Ti sn cm c cho khon thu chi v cho vay qua m ca cc ngn hng bao gm: a) Tn phiu Kho bc Nh nc; b) Tn phiu Ngn hng Nh nc; c) Tri phiu Kho bc Nh nc; d) Tri phiu cng trnh Trung ng; ) Cng tri xy dng T quc; e) Tri phiu Chnh ph do Qu H tr pht trin pht hnh trc khi Qu H tr pht trin c t chc li thnh Ngn hng Pht trin Vit Nam, tri phiu Chnh ph do Ngn hng Pht trin Vit Nam c Th tng Chnh ph ch nh pht hnh v tri phiu do Ngn hng Pht trin Vit Nam pht hnh c Chnh ph bo lnh thanh ton gc, li khi n hn. g) Tri phiu chnh quyn a phng do U ban nhn dn thnh ph H Ni v U ban nhn dn thnh ph H Ch Minh pht hnh; h) Cc giy t c gi khc do Thng c Ngn hng Nh nc quy nh trong tng thi k, p dng cho cc giao dch ti cp vn ca Ngn hng Nh nc Vit Nam.

S Giao dch - Ngn hng Nh nc Vit Nam hng dn c th vic nhn cm c giy t c gi cho khon thu chi v cho vay qua m ca cc ngn hng l cc loi giy t c gi pht hnh di hnh thc ghi s v hnh thc chng ch, ph hp vi iu kin giao dch thanh ton in t lin ngn hng trong tng thi k. 2. iu kin chp nhn i vi ti sn cm c: Giy t c gi c Ngn hng Nh nc Vit Nam chp nhn lm ti sn cm c khi c cc iu kin sau: a) Cc ngn hng l ngi th hng (i vi giy t c gi ghi danh) hoc l ngi nm gi hp php (i vi giy t c gi v danh); b) Thi hn thanh ton cn li ti thiu ca cc giy t c gi cm c l 10 ngy i vi cc giy t c gi quy nh ti im a, b, c, d, Khon 1 iu ny; l 30 ngy i vi cc giy t c gi quy nh ti im e, g Khon 1 iu ny; c) c giao dch, thanh ton vi Ngn hng Nh nc Vit Nam theo quy nh ca php lut hin hnh; d) Trng hp giy t c gi cm c c pht hnh di hnh thc ghi s phi c cam kt bng vn bn ca t chc c trch nhim thanh ton v vic s thanh ton cho Ngn hng Nh nc Vit Nam khi cc ngn hng khng tr c n. 3. Gi tr ca giy t c gi cm c ti thi im nh gi c xc nh bng hnh thc chit khu. S Giao dch - Ngn hng Nh nc Vit Nam hng dn c th vic xc nh gi tr giy t c gi cm c theo cc cng thc ph hp vi phng thc pht hnh ca cc loi giy t c gi cm c v ph hp vi iu kin thc t ca th trng tin t. 4. Trng hp gi tr ca giy t c gi cm c ti S Giao dch - Ngn hng Nh nc Vit Nam thp hn mc thu chi thc t, th cc ngn hng phi b sung giy t c gi ngn hn cm c m bo gi tr giy t c gi cm c ti thiu bng 105% mc thu chi thc t. iu 6. Mc thu chi v cho vay qua m 1. Mc thu chi bng phn vn thanh ton thiu ht thc t trong giao dch thanh ton in t lin ngn hng, nhng tng mc thu chi khng vt qu 95% gi tr giy t c gi cm c ti thi im nh gi. 2. Mc cho vay qua m bng s d thu chi thc t ti thi im cui ngy lm vic nhng khng vt qu 95% gi tr giy t c gi cm c ti thi im nh gi. 3. Vic xc nh gi tr giao dch ca giy t c gi cm c l cc loi tri phiu quy nh ti im e, g khon 1 iu 5 Quyt nh ny khi tnh ton mc thu chi v cho vay qua m thc hin theo quy nh ti iu 3, 4 Quyt nh s
3

1909/Q-NHNN ngy 30 thng 12 nm 2005 ca Thng c Ngn hng Nh nc Vit Nam v vic cc t chc tn dng s dng mt s loi tri phiu trong cc giao dch ti cp vn ca Ngn hng Nh nc Vit Nam, cc vn bn quy phm php lut khc c lin quan v hng dn ca S Giao dch - Ngn hng Nh nc Vit Nam. iu 7. Li sut cho vay qua m Mc li sut cho vay qua m do Thng c Ngn hng Nh nc Vit Nam quy nh ph hp vi mc tiu chnh sch tin t trong tng thi k. Thi im tnh, thu li tin cho vay qua m do S Giao dch - Ngn hng Nh nc Vit Nam hng dn ph hp vi quy nh ca Ngn hng Nh nc Vit Nam v phng php tnh v hch ton thu, tr li i vi cc t chc tn dng. iu 8. Quy trnh thu chi v cho vay qua m 1. Quy trnh thu chi: Khi ngn hng thiu vn trong ti khon tin gi thanh ton m khng th b sung vn t ngun vn ca chnh ngn hng hoc thng qua cc giao dch trn th trng tin t, th h thng thanh ton in t lin ngn hng t ng tng s tin ti a bng mc quy nh ti iu 6 Quyt nh ny trong ti khon tin gi thanh ton ca ngn hng thc hin lnh thanh ton. Khi vn trong ti khon tin gi thanh ton ca ngn hng c b sung, th h thng thanh ton t ng trch tr khon thu chi (bao gm c n gc v li). 2. Quy trnh cho vay qua m: a) n cui ngy lm vic, s d ti khon tin gi thanh ton khng tt ton khon thu chi, th h thng thanh ton in t lin ngn hng t ng chuyn khon thu chi cha c tt ton sang ti khon cho vay qua m v ngn hng phi chu li vay qua m. b) Sang ngy lm vic lin k tip theo, ngn hng thc hin tr n gc v li khon cho vay qua m cho S Giao dch - Ngn hng Nh nc Vit Nam. Trng hp ngn hng cha tr ht n qua m, khon n vay qua m cn li c chuyn thnh khon thu chi ca ngy lm vic . 3. S Giao dch - Ngn hng Nh nc Vit Nam hng dn c th quy trnh v th tc thu chi v cho vay qua m trong thanh ton in t lin ngn hng. iu 9. X l trng hp ngn hng khng tr c n vay qua m Trng hp ngn hng khng thanh ton ht n vay qua m sau 02 ngy lm vic lin tip k t ngy khon cho vay qua m pht sinh, Ngn hng Nh nc Vit Nam thng bo yu cu ngn hng tr n. Nu sau 02 ngy lm vic tip theo k t ngy thng bo m ngn hng vn khng tr ht n vay qua m, th Ngn hng Nh nc Vit Nam x l ti sn cm c thu n vay qua m

v xem xt, quyt nh xa tn ngn hng trn h thng thanh ton in t lin ngn hng. iu 10. Trch nhim ca cc bn 1. Trch nhim ca ngn hng: a) Tr n gc v li vn vay qua m ng hn. b) B sung giy t c gi cm c m bo gi tr giy t c gi cm c ti thiu bng 105% mc thu chi thc t. 2. Trch nhim ca Ngn hng Nh nc Vit Nam a) T chi thu chi v cho vay qua m i vi ngn hng khng c iu kin theo quy nh ti iu 4 Quyt nh ny. b) Lu gi v qun l giy t c gi do cc ngn hng cm c. c) X l giy t c gi cm c thu n nu ngn hng khng tr c n vay qua m v xem xt, quyt nh xa tn ngn hng trn h thng thanh ton in t lin ngn hng. iu 11. T chc thc hin 1. Quyt nh ny c hiu lc thi hnh sau mi lm (15) ngy k t ngy ng Cng bo, thay th Quyt nh s 1085/2002/Q-NHNN ngy 07/10/2002 ca Thng c Ngn hng Nh nc Vit Nam v vic ban hnh Quy ch thu chi v cho vay qua m p dng trong thanh ton in t lin ngn hng v Quyt nh s 185/2004/Q-NHNN ngy 24/02/2004 ca Thng c Ngn hng Nh nc Vit Nam v vic sa i, b sung khon 1, 2, 3 iu 5 Quy ch thu chi v cho vay qua m p dng trong thanh ton in t lin ngn hng ban hnh km theo Quyt nh s 1085/2002/Q-NHNN ngy 07/10/2002. 2. Chnh Vn phng, V trng V Chnh sch tin t v Th trng cc n v thuc Ngn hng Nh nc Vit Nam, Gim c Ngn hng Nh nc Vit Nam chi nhnh cc tnh, thnh ph trc thuc Trung ng; Ch tch Hi ng qun tr v Tng gim c (Gim c) cc ngn hng chu trch nhim thi hnh Quyt nh ny./.
kt.Thng c ph thng c

k : Nguyn ng Tin
Ni nhn:
- Nh iu 11; - Ban lnh o NHNN; - Cng bo Vn phng Chnh ph (2 bn); - B T php; - Lu VP, V PC, V CSTT.