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- NGAN I{ANG NI{A NU'OC CQNGI-IOAXA IIOI CIrU NGr{ir\ VIEI- Nr\M
VIEI'NAM D d c l i p - T g ' d o - I ' I a n hp h r i c
S o :f f , /2008/QD-NHNN Itit il0i. ngdvltthcing ! ncim 2008
DINH
QUYB'r
B a n h : \ n hQ u y d i n h x O pl o a i
ngin hing thu'cmg ai c0 phin
m
THONG DOC NGAN HANG NHA NUOC
Cin.cir.Lu4t Ng6n hang Nha nu6c Viet Nam ndm 1997; Ludt sira ddi, bd
sungm6t sOdi0u cua Luit Ngdn hdngNhd nuoc Vi0t Nam n6m 2003;
Cin cir LuAt Cac td chuc tin dung ndm 1997,Ludt sua d6i, bd sung mQt s6
di6u cua Ludt C6c t6 chirc tin dung ndm 2004;
Cdn cu Nghi dinh sA SZIZOOIA{D-CP ngdy l9l5l2}03 cua Chinh phu quy
dinh chilc ndng,nhi€nrvu, quydn han vdrco cdu td chuc cua Ngdn hdingNhdrnuoc
Vi€t Nam;
rl A' a r l
Theo d€ nghi cua Vu trudng Vu C6c ngdn hdng vdrt6 chuc tin dung phi ngdn
hdng,
QUYET EINH:
Ei6u 1. Ban hirnh kdm theo Quy6t dinh ndy Quy dinh x6p loai ngdn hdng
.l ,l
tnuong mar co pnan.
Di6u 2. Quy6tdinh.ndyc6 hi€u luc sau l5 ngdy,kd tu ngdry dang Cong b6o
vd thay th€ Quy€t dfnh sO 400120041QE-NHN]\I.ngdy 161412004 Th6ng d6c
cua
N.gAnhang Nhd nuoc ban hdnhQuy dinh v€ vi6c x€p loai c6c ngdn hirngthuong mai
c6 ph6.ncua Nhd nuoc vd nhdn ddn.
Di6u 3. ChAnhVdn phong,Vu trudng Vu C6c ngdn hirngvir t0 chuc tin dung
phi ngdn hirng, ChAnhThanh tra NgAn hdng Nhd nudc, Thu truong c6c don vi c6
li€n quan thuQ.c Ngdn hdng Nha nuoc, Gi6m d6c Ngdn hdng Nhd nu6c Cii nh6nh - -;;------*
tinh, thanh ph6 trr,rcthuQcTrung uong noi c6 ngdn hdng thuong mai c6 phdn d{t tru Ilu-.','. "i'
ss chinh, Chu tich Hoi dong qudrn va Tong gi6m.doV6c ngdn hdng thuong m?i
tri
cOphAnchiu tr6chnhi6mthi hanh Quy0t dinh ndy.$tr,/ I y{iF
lz'
W
Nni nhfrn: THONG DOC
- NhuDidu (d€thgc n):
3 hif .//
- PHO THONG EOC
Ban l5nh dao NI-{NN:
- \ ' i n p h o n gC h i n hp h u { 2 b a n ) ;
- I l o ' f u p h 6 p( d € k i € m t r a . l ;
- Ki6m toirn Nhir nu6cl
- Luu VP.Vu PC. Vu CNII.
LtrANMINHTUAN
- NGAN HANG NHA NUOC cer{c HoA xA Hgt cHUNcnin vIET NAM
VIET NAM DQc - Ty do - H4nh phric
l$p
QUY DINH XEP LOAI
NGAN HANG THT'ONGMAI CO PHAN
(Ban hdnh kdm theo Quyet dinh s9 06 /2008/QD-NHNN
ngdy 12 thdng 3 ndm 2008 cita Thiing diScNgdn hdng Nhd nudc)
ChucrngI
NHUNG QUY DINH CHUNG
Didu 1. Ph4m vi didu chinh vn tliii tugng 6p dgng . 2
Quy dinh ndy 6p dUngd6i v6i c6c ngdn hitng thucrngm4i cOphal duqc
ph6pth;; lap vd noat AO"gtqi Vi6t Nam th.o qtry dinh cira LuQt c6ct6 chric
tin dr,rng.
Didu 2. Cic chi ti6u dfnh gi6 x6p lo4i
l. VOntu c6.
2. Chhtlugng tiri sin.
3. Ndng lYc quirntri'
q.KCt qu6ho4tdQng kinh doanh.
5. Kha ndngthanhkhoAn.
Ditu 3. Phucrngph.ap.t6nh gi6 x6p Pai
1. Viec d6nh gi6, x6p loai c6c ngdn hirngthuong mai c6 phdn dugc cdn
cf vho so aicm ctia timg chi ti6u quy
- c) Cdctdi ligu kh6c c6 li€n quannhu 86o c6o ki6m to6n ddc ldp, Thu
Qu6nly cta t6 chuc ki6m to6ndQclQp, 86o c6oki6m to6nnQibQctiangdn
hAng
thuongmAicd phAn;
d) qO ligu tr€n b6o cirotdi chinh ndm drinh gia x€p lopi dd dugc ki€m
to6nboi t6 chricki€m to6ndQclpp criangdnhdngthucrng c6 phAn;
mqi
4. Cs c6ucti6m c6cchi ti€uvd t6ngs6 ei€md6nhgi6 x6p lo4i:
'
cria
r -l I
. .a) T6ngsodi6m dinh gi6x0p lo4i t6i da cho mQtngdnhdngthuongm4i
cd phdnla 100di€m.
^ ."
b) Co cAudi€mcriatirngchi ti€u d6nhgi6xOplopinhu sau:
- Vdn tg c6: Mfc di6mt6i da ld 15cliOm, thi6uld -3 di6m;
toi
- Chat,lugngTdi s6n:Muc di€mt6i da ld 35 di0m,tdi thi€uld 0 di€m;
^, a.
- Ndnglgc qu6ntri: Muc cliCm clald 15di6m,tOitfrieuld 0 diOm;
tOi
- -KCtqu6hoptdQng
. A.
Mric di€mt6i da ld 20 di6m,tdi thi€u
kinh doanh:
ld 0 di€m;
- Kha ndngthanhkhoin: Muc di6m t6i da ld 15 di6m,toi thi€u ld O
di€m.
Didu 4. ciAi thichtir ngir
TrongQuy ch€ndy,c6ctir ngir du6i cldydugc hi€u nhu sau:
1. Tdng du ng: Bao gdm du ng cho vay th6ngthudngvd du ng thanh
to6nthay.
^ -i
2. T6ngc6ckhodn xdu:Ld tOng kho6n thuQc nh6m3,4 vit
ng c6c ng c6c
5 theo quy dfnh t4i Kho6n3 Ei€u I Quy€tdinh s6 I8/2007QD-NHNN ngdy
251412007 Thdngddc NganhdngNhd nudc vd viQcsiraddi, bd sungmQt
cria
sOCiCu Quy dinhv0 phdnlogi ng, trich lflpyA su dqngdy phongdCxri ly
cria
rui ro tin dpng_ tronghoptdQng ng6nhdngcriat0 chrictin dUngban hdnhtheo
Quyi5tdinh s6 493120051QD-NHNN 22/4/2005cria Thong doc Ng6n
ngiry
hdngNhd nu6choacDiAu7 Quy dinhv€ phdnlopi ng, trich laq u? sri dvngdU
phdngd6 xri ly rrii ro tin dUngtronghoptdQngngdnhdngciratOchrictin dUng
6un ftanhkdm theo Quy6tdinh s6 4%120051QE-NHNN c:ira
ngdy 221412005
Th6ngd5cNgdnhdngNhd nudc.
3.Ty lq ng x6u:Ld tli lQgiiratdngc6ckhodn x6u so voi tongdu ng'
ng
- 4. V6n tU co g6mv6n c6p I (ctdm gidi hankhi xricdinhv6n c6p 1)
b6o
^ ,. a t ^,-"
cQng vdn cdp 2 (ddmb6o gi6i han khi x6c dinh vdn cdp 2) tru c6ckhoAn
vdi
phii tru kh6i v6n ty c6 theo quy dinh tei Di€u 3 Quy dinh vd c6c Qi lQbdo
d,hm todntronghoptdQng
an cta t6 chrictin dUngban hAnhkdm theo Quy€t
dinh sd 457120051QD-NHNN 191412005 Thdngd6cNgdnhdngNhd
ngdy cria
nudcvd Kho6n3 Di€u 1 Quy6tdinh sO0312007IQD-NHNN 1910112007
ngdy
criaTh6ngd6c NgdnhdngNhd nudcv€ vi€c sfa d6i, b6 sung{nQt di€ucria
sO
Quy dinh vd c6c tj' lQb6o ddm an todntronghoptdQng td chr?c dUng
cria tin
ban hdnhkdm theo Quy€tdinh sO457120051QD-NHNN 191412005,a
ngiry c]
Thdngd6cNgdnhdngNhd nudc.
5. Vdn chir sd hiru: ld khoAnmqc ph6n6nh tr€n b6ngcdn ddi k6 to6n
., A ndm d6nhgi6 x€p lo4i cia ng6nhdngthucrng c6 ph6ndd dugc ki0m to6n
v I' a t ^ i
mpi
bdi t6 chuckir5m to6ndQclgp.
6. Lqi nhu4ntru6c thui5: khodnmgc phin 6nhtr0n b6o c6o k6t qu6
Ld
gi6
hopt dQngkinh doanhnim ct6nh x6p loBi cta ngdnhdngthuong mpi cO
phAnda dugc ki6m to6nboi ti5chricki6m torindQclpp. Lqi nhu4ntru6c thu6
bing thu nhflptu hopt dQng kinh doanhtru di tdng chi phi ho4t dQng dg
vd
phdngrrii ro tin dpng trich lpp tdng trong ndm vir cQngvdi hodn nh4p dy
phdngrrii ro tfn dgngtrongndm.
Trudng hgp ng6nhdngthucmg mBi c6 phAnchuatrich lpp dAyctirdU
phdngnii ro,.khodn mgc lgi nhu4ntru6c thu6trOnb6oc6ok6t qui hoptdQng
kinh doanhcAndiOuchinhtru di phdntrich lflp dUphdngnii ro cdnthi6utheo
tctit lu4n cria Thanhtra Ngdn hdngNhd nudc vd/hoic F,6ocitoki€m torin dQc
lpp, Thu qu6nly d€ thUchiQntinh to6ncdc chi ti€u co li€n quanvdrcl6nh gi6
xOplogi ngdnhdngthuongmpi c6 phdn.
hfrubinh qudndugctinh bdngc6ngthuc saud6y:
7. V6n chti scr
U+yt+y2+yt+L!
v_
4
Trongd6: + 7 ta v6n chriso hiru binh qudncriandmx6p lo4i;
+ Y0 ld v6n chfi sd hfu t?i ngiry31112/ndm ke trudc nim
li6n
d6nhgi6 x6p lo4i (hay ngdy llllndm d6nh gi6 x6p loai).phAn
6nhtr€n B?ngcdndoi k€ to6ntai ngdy3lll2lndm li€n k€ ndm
dfnh gi6xdp lo4i dd dugc ki€m to6nbdi t6 chricki€m torindQc
lOp;
+ Y1, Y2, Y3 ld vdn chrisd hfrul6n lugt tai ngdy3 l13,3016 vit
- 30/9 ndmdanhgi6x6plopi;
+ Y4 ld v6n chri so htru tAi ngdy3ll]2hdm cl6nh x6p lopi
giri
dugc phdn5nh tr€n B6ng cdn ddi k€ to6n tBi ngdy 3l/12/ndm
d6nhgi6 x6p loAidd dugc ki€m to6nboi tOchfc kiOmto6ndQc
l0p.
8. Tdi s6nc6 sinhloi: Ld tdngcrlckho6nmgctdi s6n"c6" c6 kh6 ndng
sinhloi criat6 chirctin dUng thoi di6m3l th6ng12 ndmd6nhgi6 x€p lo4i,
tai
r ), , rr
baogdm c6ckho6nmuc saud6y trOnB6ngcdnddi k0 to6nhcr,p nhdtdEdugc
kiOmto6nboi t0 chricki€m to6ndQcl4p criang6nhdngthuongmai c6 phAn:
-. I r r , \ r
Ti€n, vdnggui tpi c6ctd chuctin dpngkh6cvi cho vay c6ctd chuctin.dUng
kh6c;-Chring kho6nkinh doanh;Cho vay kh6chhdng;Chringkho6ndAutu;
G6pvdn, ddutu ddi han;Bdt dQng d6utu.
s6n
9. Citckho6ncamk6t ngo4ibdngg6m: c6ckho6nb6o ldnh,ch6pnhQn
thanhto6nvdrcamkOtchovay khdnghuy ngangvd diOu kiQnvd c6 thoi di0m
thgc hiOncu th6.
l0 Ty. lp ph6n6nh ch6t luqlg c6c khoAncam k6t ngo4ibnngld tj' lQ
gifraT6ng sd d.uc6c kho-6ncam kOtngopibing nh6m3,4 vit 5 quy dinh t4i
Khoin 1, 3 Di6u 1.Quy0tclinhsO I8/2007QD-NHNNngiry251412007 ho$c
Di€u 7 Quy dinh v€ phdnlo4i ng, trfch lpp vd.sridUngdg phdngd6 xt ly rui
ro tin dUngtrong ho4t dQngngdnhdngcria td chric tin dUngban hdnhkdm
theo Quyet dinh sd 49312005/QD-NHNN ngdy 2214/2005 Th6ng ddc
cria
NgdnhdngNhd nu6c chiachot6ngsd du c6ckho6ncamk6t ngopib6ng.
11.C6ckho6ndAutu ffOnb6ngcdnddil
- -3
Didu 5. Viin tq c6: Mric ili6m ti5iOa15 cli6m, ttriOu rli6m
tiii
l. CdcngdnhdngthuongmBi c6 phAndat t6i da t 5 di6mvC vrin ru c6
ph6i c6 dfr c6cdi€ukiQnsau:
r.'I +. I r^,
a) Vdn diOul€ trong ndm d6nhgiri x€p lo4i khdngthdp hon mfc v6n
ph6pclinh.
b) D6mb6oantodnv6n,cu th6:
- Tj/ lQan todnv6n tOi ttri€utrong n6m d6nhgi6 x€p lopi dpt mric tdi
"
thiOulilS% theoquy dinh ciraNgdnhdngNhd nu6c;
- Sri dpngv6n di€ulQtheodringquy dinh criaNgAnhdngNhd nu6c.
c) Ddm b6odinhhucrng
khuy6nkhichtdngv6n hiQuqu6cta Ngdnhdng
Nhd nudc.
2. Di0mtru: tdi da l8 di€m
. ' 'l .. I r^ i r ^ r'
a) Vdn di€ulq khdngdri mricv6n ph6pdinh:tru 5 cli€m.
b) Kh6ngddmb6oan todrn v6n: tru tOicta8 di€m
- Ti le an todnvOntt5ithii5unh6 hon 8o/o: 4 di€m,khi vi ph4mmQt
tri
trongc6ctrudnghqp sau:
+Tj, le an todnvOnt6i thi€ubinh qu6ntrongndmd6nhgi6 x6p lopi dpt
tU 8% tro lOnnhungt! lQ an toin vOnt6i thi6u cira mQthoflc mQtsd th6ng
trongndmnh6 hon 8%;
+Tj/ le an todrn t6i thi€ubinh qudntrongndmd6nhgia x6p logi nho
vdn
hcrn8%.
- St dqngv6n di€u lQkh6ngtheo dringquy dinh cta Ngdn hdngNhd
nu6c:tru 4 diOm, vi phammQttrongc6ctrudnghgp sau:
khi
+ Vi phpmquy dinh hiQnhdnhv€ gidi hpn gop v6n, mua cd phdncria
NgAnhdngNhd nufc Vi€t Nam bhai dugc n€u Qi KOt lupn cira Thanhtra
NEunhan[ Nhd nu6c Chi nh6nh tinh, thdnhph6 noi ngdnhdngthuongm4i c6
phAnd[t trp so chinh, K€t lupn cria Thanhtra NgAnhdng NhA nu6c, Thu
QuAn cta t6 chrickiOmtodndQcl4p);
ly
i Uoat d6ngkinh doanh16vd t hOng qu! nhungvdn chia cOtric cho
co
c6ccOd6ng(sri dyngvirov6n di€u lg); .
+ Mua s6mtdi s6ncOdinhvuqt qu650oh tU co;
von
+ CAc phpmkh6ctrongviQcsil dUng
vi v6n di€ule.
6
- c) Kh6ng dhm bho dinh hucrngkhuy6nkhich tdng v5n hiQuqu6 cfia
NgdnhdngNhd nudc:trDt6i da 5 diem
(i) Ty lQan todnvtin tdi thi€ubinh qu6nndmdrinh giax6pro4id4rmfc
tlgn 87oyd kn6ng c6 th6ngndo trong nam d.anh x6p lo4i nh6 hcrn80/o,
gi6
d6ngthoi c6 tf lQlqi nhupn" trudc thu€tr6n v6n chri so hiru binh qudndBttu
l4Yod€ndudi l TYo: 2 di€m.
tru
(ii) Ngdn hdngthuongmBi c6 phAnkhdngthuQc trucrng
c6c hqp sau:
(1) Ty lg an todnvon t6i thi€ubinh qudnnamd6nhgi6 x€p loei dai mrictr€n
\Yo vit khdng c6 thrlngndro trong ndm d6nhgia x€p logi nho hcrn8o4,d6ng
thcvi tf lQlqi nhu4ntru6c thu6trOnv6n chri so hiru binh qudn dqtti lTyo
c6
trd l€n;(2) di€ukiQn ctinh Dii5m
qui tai c.(i)Khoin 2 Di€undry: 5 di€m.
tru
Di0u 6. Ctrdt lugng tii sin: Mric rli6m ttii Oa35 tti6m, tiii ttriOuO
eli6m.
1. Ch6tlugng"c6c khoAn cho vay vd img trudc cho kh6ch hdng.vdc6c
kho6ncho vay c6ctd chrictin dUng kh6c:Mric di€mtOi da 20 diOm, thi6u
t6i
0 di6me5i vOi ngdnhdngthucrng ci5phdnc6 s6- c6ckhodncho vay vd
mpi du
fng trudc kh6chhing vd c6c khodncho vay c6c td chrictin dUngkh6c nh6
hcrn50%t6ngtdi s6n;vd mric t6i da 25 diOm, thiOu di€md6i vdi ngdn
t6i 0
hdngthuong mpi cd phAnc6 sti du c6c khoin cho vay v.airng tru6c"kh6ch
hdngvd c6ckhodncho vay crict6 chrictin dungkhricchi6mti 50%t6ng tdi
sdntrd l€n.
a) Ngdnhdngthucrng c0 phAndat di6mtOida vij chi tiOuch6tlugng
m?i
ciic khodncho vay vd ring truoc cho kh6chhdngvir circkho6ncho vay circt6
chrictin dungkh6cph6i ddmb6o:
- Ty lg ng xdunh6honho$cbdng3Yo;
- Tudnthri quy dinh cfiaNg6nhAng Nhd nudc vd phdnlo4i ng, trfch lpp
vd sri dUng phdngd€ xft lj rni ro tin dUng.
dg
b) Trycrnghgp ngdn h"ung thuong m4i.cd phAnkh6ng dim b6o mqt
..;.
trongc6cdi6ukipn n€ut4i Di0m a Kho6nI Di0u ndy s€bi tru di€mnhu sau:
.-Ty.leng x6u tr€n3ohdAn 5%: tru l0 di€mOOi ngdnhdngthucrng
vOi
mpi c6 phAnco s6 du c6c kho6ncho vay vd ring tru6c.kh6chhdng vir c6c
kho6nchovay c6cT6 chrictin dUng kh6cnh6 hcrn50%o t6ngtdi s6n;ho{c tru
13 di€m eOivOi ngdnhdngthuongmpi c6 phAnc6 sOdu c6ckhoin cho vay
vd ring trudc klt,i.h hdngvd c6c kho6ncho vay c6c t6 chuc tin dpng kh6c
chi€mtt 50%t6ngtdi sin trd l€n;
- Ty le ng x6u lu:€n d6n 10%: tru 15di€mO6ivOingdnhdngthuong
5Yo
m4i cd phAnc6 sti du c6c kho6ncho vay vd r?ngtrudc khdchhdngvd cric
- khoanchovay c6ctd chfc tin dungkh6cnh6 hon 50%tdng tdi sin; ho{c tru
19 di6m doi voi ngdnhdngthuongmai c6 phAnc6 s6 du c7c kho6ncho vay
vd fng trudc kh6chhdngvd c6c khoAncho vay c6c td chric tin dgng kh6c
chi€mti 50%o tdi s6ntrd l€n;
tdng
- Ty lg ng x6u tr€n 10%ho4ckhdngtu6nthri quy ctinhcriaNgdnhdng
Nhd nudc vCphdn loBi ng, trich lgp vd su dUngdUp-trOng xft l)t rii ro tin
di5
- -e -! :
dungddn d€n viEc 6nh huongt6i tinh trungthgc hqp ly criakho6nmgc chAt
lugng c6ckho6ncho vay vd ring tru6c cho kh6chhdngvd c6ckho6ncho vay
c6c t6 chric tin dUngkh6cxdt tr€n phunngdiQntrgng yOutrong E}6o c6o tdi
chinhdd dugc ki6m torinbdi t6 chfc kiiSm to6ndQclap ndm drinhgiri x6p loai
cta ng6nhirngthucrng c6 phAn(viQcph6nlopi ng sai, trich lBpdg phdng
mai
thi€u dAndOny ki0n ngg?itru cria Ki€m to6n dQclpp dugc phAn6nh trong
Thu quin Iy, B6o c6oki6m to6ndQclpp hoflcngdnhdngthucrng cd phAn
mgi
bi Thanhtra NgdnhdngNhd nudcxri ph4tvi phpmhdnhchinhdugcph6n6nh
trong Ktlt lufln" Thanh tra Ngdn hdngNhd nu6c cho ndm d6nh gi6 x6p
cria
loai): tru 20 di€m cl6ivdi ngdnhdngthucrng cd phdnc6 sd du c6ckhodn
m4i
cho vay vd ring tru6c kh6chhdngvd c6c khoAn.cho c6c td chrictin dUng
vay
kh6cnh6 hon 50% tdng tdi s6n;ho{c tru 25 diOmddi vdi ngdnhdngthucrng
, I rl
mpi co ph6n co s6 du c6c kho6ncho vay vd fng trudc kh6chhdngvd c6c
kho6nchovay c6ct6 chrictin dUng khdcchitimtt 50%tting tdi sin trrvlOn.
2. Chdtlugng oia c6ckho6ndAutu: Mric tdi da 5 dirim,tOithiiSu di0m.
0
, a) Ng6n hdngthuong.maic6 phAndAtdi€m tOi da 5 di€m vC chi ti€u
chdt lugng c:0ia kho6n.
cdc ddu tu phdi d6mb6o: co tl lg dU phdng gihm gi6
chringkho6ntr€n t6ng sd du c6c kho6n ddu tu trOnb6ng cdn ddi k0 to6n
kh6ngl6n hon l%. Nguqclpi sEbi tru 5 di6m.
. b) Khodnndy khdng6p dungOr5i nhirngngdnhdngthucrng
vOi mpi c6
phdnc6 sd du c6c khodncho vay.vdring trudc kh69hhdngvd c6ckhodncho
vay citct6 chtictfn dpngkhricchi6mtn 50%tdngtdi sin trd l€n.
3. Co c6utdi s6nc6 nQibdng:Mric diOm da 5 di,5m,
t6i diemt6i thi€u0
di0m.
a) Tdi s6nc6 sinhldi tt 75oh l€n so vdi t6ngtdi sdnc6 nQibdng:5
trd
"
di€m.
b) Tdi s6nc6 sinh loi duoi75Yo v6i tdi s6nc6 nQibdng,tru t6i da 5
so
diiSm:
- Tir 65%d6ndudi 75o/o: 2 di6m;
trt
- Tt 50%d6ndudi 65oh: 3 di6m;
tru
- - Dudi 50o/o: 5 diOm.
tru
4. Ch6tlugng c6ckhodncamk6t ngoqibing: Mric di6mtOi da 5 di6m,
tOitni6u0 di6m
, a) Ngdn hdngthuong. mai cd phAndat di6m tOi da 5 di€m v€ chi ti€u
ch6tlugngcrickho6ncamk€t ngo4ibing ph6id6mb6o:
- Ti le ph6n 6nh ch6t lugng c6c khoin cam k6t ngopi b6ng nh6 hon
ho6cbing 3%;
- Tudnthri quy dinh criaNg6nhdngNhd.nudc phdnlo.Bi trich lf,p
v€ ng,
vd sir dungdg phdngd€ xri ly rui ro tin dUng v6i c6ccamkOtngo4ib6ng.
d6i
b) Trucrnghgp ng6nhdngthuongmpi.cd phAnkh6ng ddm b6o mQt
trongc6cdi€ukignn€utpi Di€ma KhodnI Di€undys€bitru di€mnhu sau:
- Tf lQph6n6nhch6tluqng c6ckho6ncamk6t ngopib6ngtrOn3% d}n
3 di€m;
5%o:trlu.
- Ty le ph6n 6nh ch6t luqng citckhoin cam k6t
lgoei b6ng tr€n 5%
hopckhdngtudnthri quy dinh criaNgdnhdngNhd nudcv€ phAnlopi ng, trich
lpp vd sir dpngdg phdngd€ xri l;i rti ro tin dUngddi vdi c6c cam kOtngo4i
.X -A a | ...,, | , ,7 | r. , rt
b6ngddn dOnviEc 6nh hucrng tinh trungthgc hqp ly cria khodnmpc cac
tdi
camk6t.ngopi bing xdt trOnphuongdigntrgngy6u trong86o c6otdi chinhd6
dugc kiOmto6nbcvi t6 chticki€m to6ndQcl4p ndm d6nhgil x€p.
c6c lo4i cta
ngdnhdngthuongmai cti phAn(viQctrfch l4p dW phdngthi6u d6nd€n y ki€n
ngo4itru criaKiem to6n dQclap duqc phAn6nh trongThu qudnly, 86o c6o
ki€m to6n dQclap hopcngdnhdngthucrng m4i cd phdnbi Thanhtra Ngdn
hdngNhd nu6c xti phatvi phpmhdnhchinh dugc ph.hn trong K6t luQncria
inh
gi6
Thanhtra NgdnhdngNhd nudc chon6mcl6nh x€p lo4i):tru 5 diOm.
Didu 7. NIng lrpcquin tri: Mric tli0m tdi tla 15 tli6m, ttii ttri6u O
-.i
orem
l. Ngdnhdngthuongm?i c6 phAndat di6m ttii da 15 di€m phdi ddm
b6oc6cdi€ukiQnsau:
a) Thdnhvi€n HQiddngquin tr!, thdnhvi6n Ban ki6m so6tdri s6 lucr,ng
theoquy dinh.
b) Ban hdnhddydri, chu6nh6avd thuchiqndringc6cquy ch6nOib0.
9
- c) He th6ng kiOmtra, ki6m to6n nQibQtuong xfng vdi quy md ngdn
hdngvd ho4t dQng"hiQuqu6,ddm b6o c6c rui ro quantrgng lu6n dugc nhdn
d?ng,do ludng,ki€m tra, ki6m so6tmQtc6chliOntUc.
d) C6cthAnh vi0n HQiddngqu6ntri, Ban ki6m so6t,Ban di€uhdnhc6
v r r^
ndngluc, dodnk€t, co y thric chdphdnhph6plugt,c6 tr6chnhi€m,thUchi€n
dring nhiQmvp, qrly€nhan trong viQc qudntri, ki€m so6t,di6u hdnh ngdn
hdngthuongm4i cd phAn.
. d) DAm b6o ciic quy dlnh cira Ngdn hdngNhd nu6c vC cO c16ng,
c6
phdn, phiOu.
cO
2. Trudng hqp ngdn hdng thucrngmai c6 phAnkhdng ddm b6o mQt
. t I I
trongc6cdi€ukiQnqui dinhtai Kho6nI Ei€u ndy s0bi tru diOmnhu sau:
a) Ng6n hdng thucrngm?i cd phAnbi tru 3 dii3mtrong trucrnghgp
kh6ngd6mbAomQttrongc6cdi€ukiQn sau:
- Khdng dri s6 lugng thdnhvi€n HQi ddng qu6n.tri,thdnhvi€n Ban
"
ki6m so6ttheo quy dinh ciraNgdn hdngNhd nudc vd di6u lQ criangdnhdng
thuongmpi c6 phdn;
- Kh6ng ban hdnhdAydri, chu6nhoa cdcquy ch6 nQlb9 ve ho4t dQng
criaHQi ddngqudn Ban ki€m sodtvd Ban di€uhdnh,ki€m so6tn0i-b0vd
tr!,
cric quy ch6 cAnthi6t khric cho hoqt dQngcfia ngdnhdngthucrng mAi cd phAn
(tin dr,rng, l6nh,h4chto6nk6 todnvd c6cnghiQp kh6c)hoflcco y ki€n
b6o vu
cria Thanhtra Ng6n hdngNhd nudc (tai K€t ludn cria.Thanh trong ndm
tra
d6nhgi6 xOplopi), kiOmto6n dQclflp.(tai86o c6o kiOmto6n dQclpp, Thu
Quin ly cho ndm_ddnh x€p toai) vd viQcquy trinh nQibQcriangdnhdng
gi6,
khdnghiQuqui ddnd€nviQcgi6i hpnqu6trinh thanhtra vd ki6m to6n.
b) B9 m6y ki€m tra, ki6m to6n nQibQyeu kdm,hopt dQng kh6nghiQu
qu6:tru 4 di6m lrongtrucrng c6 mQttrongc6cbi6uhiQn
hcr,p sau:
- V0 co c6utd chuc,bQm6y ki€m to6nnQibQkhdngtryc thuQc chiu
vi
sg chi dpotryc ti6p criaBan KiiSmso6tvd v0 ch6dQluong,thudngvd php c6p
tr6chnhiQm b0 phankiOmto6nnQib0 duqc quy€tdinh bdi Ban di€uhAnh
ctia
(TOnggi6md6c,PhoT6nggi6md6c criang6nhdngthucrng c6 phAn);
mai
- Nguoi php tr6chb0 phflnki6m to6nnQibQkh6ngc6 trinh dQchuy€n
mon (tu dai hqc tro l€n) chuy€nngdnhTdi chinh-Ngdn hdnghoflcK€ to6n -
Ki0m toin; khdngc6 dtr03 ndmldm vigc tronglinh vpc tdi chinhng6nhdng;
NgAnhdngthucrng c6 phAnh,ong ban hdnhquy dlnh chinhthric
mAi
vC quy trinh ki6m torlnnQib0 6p dUngth6ngnhdttrong todn hQthdnghopc
10
- quy trinh ki0m to6nnQib0 dA dugc ban.hdnh nhungkh6nghiQuquA(nhtr"ng
ph6t hiQncriaki€m to6nnQibQ con thi€u,ch€nhlgch so v6i 86o c6o ki€m
to6ndQclap vd K6t luancta Thanhtra NgdnhdngNhd nudc d6nd6nviEcldm
Anhhucrng tinh trung thgc hqp lj xdt tr0n phucrng
toi diQntrong y€u cria86o
c6otdi chinhvd tinh tu6nthri c6cquy dinhphdpluflt criangdnhdng).
. c) Khdng d6mb6o ciic di€ukiEnqui clinhtai di6md kho6n1 didu ndy:
tru tdi da 6 diOm:
- Nqi b0 m6t dodnk6t: tru 3 dii5m;
- C6 thdnhvi€n HQi d6ngqu6ntri, Ban ki6m soiitvd Ban di€uhdnhvi
phamc6c quy dinh criaphriplu6t vd cfia NgdnhdngNhd nudc (vi phamdi€u
77, 78 Lu4t crict6 chuctfn dgng),khdngthuc higndringnhiQm quy€nhpn
vq,"
trong vipc quin tri, ki€m sorit,di€u hdnhngdnhdngthucrng cd phdn,d{c
m?i
biQttrongviQcchi deothgc hiQncricquy dinh v€ an todnho4tdQng ng6nhdng
vd quy dinh v€ cfr€A9 b6o ciroth6.ng 6p dUngAOivOi citctd chrictin dUng
k€
criaNgdnhdngNhd nuoc:tru 3 di€m.
d) Vi phamc6cquy dinh v€ cOd6ng,c6 phdn,c6 phi6u:tru 2 dir5m, khi
vi ph4mmQttrongc6ctrudngftQF sau:
. +.Khdlg dn s6 lugng cOdOng theo quy dinh hiqn hdn]rv0.cd d6ng,,c6
phAn,cd phiiSu v6n dieu lE criangdnhdngthuongmpi c6 phdndo Th6ng
vd
d6cNgdnhdngNhd nudcbanhdnh;
+ Vi ph4mmQttrong c6c nQi dungdudi d6y: H6 scv dOng
cti theo d6i
kh6ng dAydt, ngudi dai dien kh6ng b6o tu c6ch,vi ph4mquy dinh v€
"d6m
ngudnvdn g6p vd gi6i h4n so h{u cOphdndugc quy dinh tai quy dlnh hiQn
r r r A i r^ i r i I t.A . i a',1 t^ ? ^-- | f - -t---,---
hdnhv0 c6 dong,c6,phdn, phi€uvd vdn di€ulq c0ang6nhdngthucrng
c6 mai
cd phdndo Thdngd6cNgdnhdngNhd nu6cbanhdnh;
-
+ Vi pharnm$ttrongc6cnQidungdu6i ddy:ViQcph6thdnhc6 phi6u,
qu6nl;i theo d6i cd ddng klong thUc hi.€ndyng quy dinh t4i quy dinh hiQn
hdnhv€ cd d6ng,c6 phdn,cd phi€uvd vdn di€ulq cirangdnhdngthuongm?i
cd phAndo Th6ngddcNgdnhdngNhd nuocbanhdnh.
3..Truonghqp ngdnhdngthucrng mei c6 phAndangbl 9"4t trong tinh
tr4ngki6m so6td{c biqt: cho di0m0 ddi vdi chi tiOuquin tri, ki€m so6t,di€u
hdnh.
Di€u g. K6t qui hopt dQngkinh doanh: Mric di6m tiii Oa20 cti6m,
tOlttriOu di6m
0
t. fet qui ho4tdQngkinh doanh: da 15di€m
tdi
a) KOtqudho4tctQng doanh di€mt6i da 15 diOm:
kinh lai,
l1
- - Lqi nhu4n trudc thu6 so vdi vdn chri so hfru binh qu6n d4t tit lToh trd
. - -'7
len: I ) olem:
- Lqi nhu$ntru6c thu6 so vdi v6n chri sd htu binh qudndpt tir 14%
it6ndudi lTYo:13 di€m:
- Lqi nhuQn trudc thu6 so v6i v6n chri sd hiru binh quAndat tt 10%
d6ndu6i I4Yo:10
di6m:
- Lqi nhuflntru6c thu6so vdi vtin chirso hfrubinh qudndpt ti 5% d€n
du6i 1TYo:8 dii5m;
- Lqi nhu4ntrudcthu€so vdi vdn chriso htrubinh quAn dudi 5%: 5
dat
.
di€m.
b) f€t qui hoptilQngkinh doanhtrongk! kh6ngc6 ldi: 0 di€m.
2. Di€mthucrng hoptdQng
tu dich vu: t6i da 5 di0m
a) Ty lQthu dichvu trongt6ngthu nhpp: cli6m
3
- Eat 8Yo tr6l€n: 3 di€m;
- Dat tr 2% trd l€n d6ndudi }oh I di6m:
- Dat duoi2o/o:0 di€m.
. b) Ty 19thu nhpprdng tr) hoatdQngdich vu tronglgi nhu4ntrubcthu6:
2 ili€m
- Eat 30Yo l€n 2 di6m;
tro
- Eat l4o/od€nduoi 30%o: diiSm;
I
- Datdudi 14Yo:0 diOm.
Didu 9. KhA ning thanh khoin: Mric tti6m tiii Oa15 cli6m, ttri6u
ttii
0 di6m
l. Kha ndngthanhto6n ngay: Tdi sin "c6" co the thanhto6n ngay/
Tdi sdn"ng" phAithanhto6nngay:
m?i ci5phAndAmb6o ti/ 19kha ndngchi tr6 theo
a) Ngdnhdngthucrng
quy dinh criaNgdnhdngNhd nudcdugcdi€mt6i da 12 diOm.
b) Ngdnhdngthuongmai ci5phAnkh6n |Ambhoty le kha ndngchi tr6
e
theoquy dfnhcria\gan hdngNhd nudcbitru diCmnhu sau:
- M phpmt tanrcrOng Oa- b6oty l9 khe n[ng chi trA:tru 5 di6m;
t2
- - Vi phpmnhi€ulAndin d6nvi€c NgdnhdngNhd nudc c6 vdn btn nhhc
nho ho[c xu phptvi ph4mhdnhchinhd6i vdi ngdnhdngthuongmpi c0 phAn
v€ vigcvi ph4mquy dlnhb6od6mry le khendngchi tr6:tru 12di0m.
2.Ti le, i t6i da cirangu6nv6n ngdnh4n dugc sri dqngd€ cho vay trung
r^ '
vd ddi hpn:ThFchiQn theoquy dinh ctiaNgdnhdngNhd nudc.
a) Khdng vi phpmviQcdim b6o t! 19t6i da cria ngu6nv6n ngfn hpn
dugcsri dgngd€ cho vay trungvd ddi h4n:3 di€m.
b) Vi ph?.m lAn khOng
I ddm b6o tli lC t6i da criangu6nv6n ngin h4n
dugcsr?dgngd€ chovay trungvd ddi h4n:tru 2 di€m.
c) Vi phamnhidulAnkh6ngd6mb6oti 19t6i da criangu6nvon ngan
h4ndugcsir dpngd€ chovay trungvd ddi han: trir 3 di€m.
3. Viec dinh giir, x6p lo4i chi ti€u ndy dugc l6y s6 liQu binh qu6n
theo quy dlnh v0 ch6 dQb6o c6o th6ng k€ cta Ngdn hdngNhd
thanglngity
nudc.
Mgc 2
XEP LOAI
Di6u 10.Tinh eli0m
-i A t'A ^ r .
Tong sd di€m c:0ra ngAnhdngthucrng c6 phdndugc tinh ld tdng
circ m4i
cQng di6mcriatung chi ti€u theoquy dinh tqi cftcdi€u 5, 6, 7, I vd 9 Quy
s6
dlnh ndy.
Ei6u U. X6p lo4i c6cngAn.hhng thuong m4i c6phAn.
. L Ngdnhdngthucrng cd ph6nx6p lopi A c6 t6ng s6 di6mdat tt 80
m?i
di€mtro l6n vd c6 di6msd criatirng chi tiOuquy dinh tai citcdiOu5, 6, 7, 8 vit
9 Quy dinh ndy kh6ngth6phon 65%s6 di€mt6i da criatung chi tiOudo.
. 2, NgAnhdngthucrnB. mai.cdphin x6p lo4i B c6 tdng s6Ciemdat tu 60
di€m d€n79 di€m vA c6 di6m sd cdra tirng chi tiOuquy dinh tai citcdi€u 5, 6,
7, 8 vir 9 Quy clinhndy khdngth6phcrn.50% di0mtOj da ciratung chi ti0u
sd
cl6ho4cc6 t6ng sd diOmcao hon 79 di€m nhungco diOmsd cria it nhdtmQt
chi ti6u tu tr€n 50% d€ndusi 650 sti ei6mtOida cfiachi ti€u d6.
diOm d€n59 di€mvd c6 di6msd criattng chi ti€u quy dinhtei c6cdi€u 5, 6,
7, 8 vd 9 Quy dinh ndy kh6ngth6phun 45%s6 di€mt6i da cfia tung chi ti€u
13
- d6; hoacc6 tdng sOei0mcaohon 59 di6m nhungc6 dii5m criait nh6tmQt
sd
chi tieu ru tren 45% dandudi 50%st5oicm toi da criachi ti€u do.
. 4. Ngdnhpngthuongmai cOphdnx6p lo4i D c6 t6ng sOA;i5mdu6i 50
di€m;hoflcc6.t6ngsOOiemcaohon 50 di6m nhungc6 di6m sd criait nhdt
mQtchi ti€u th6phon 45Yo ei6mt6i da ctiachi tiOudo.
sti
Di6u 12.Thdi gian thgc hiQnviQcdrinhgiri x6p lo4i
1. SOliqu d6nhgi6 x6p lopi dugccdncir vdo s5 liQuk6 to6nchfnhthric
v +, | '. A t ^ I ndm d6nh gi6 x€p lo4i cta ngdn hdng thuong m4i cd phdn dd dugc ki€m to6n
bdi tO chric ki6m to6n dQclap. Ri€ng ddi vdi c6c chi ti€u v€ an todn hoBtdQng
^ r t i r.^ + v
ng6n hdng,.sdliQu d6nh gi6 x€p,lo4i dugc c[n cf viro sd liQu b6o ciio ndm
d6nh gi6 x6p lopi theo dring ch€ d0 th6ng tin b6o c6o hi€n hdnh. Chi ti6u
Ndng luc qu6n tri (di€u 7) duqc d6nh gi6 chung cho cA ndm tdi chinh.
2. Thdi gian xem xdt d6nhgi6, x6p lo4i:
a) Cham nhdt ngdy 10 thring 5 ndm sau,timg ngdn hdng thuong mai cd
phgn tg d6nh gi6 xtip lopi vd grii Ngdn hdng Nhd nudc Chi nh6nh tinh, thinh
ph6 trgc thuQcTrung ucrngnoi dflt try sd chfnh.
b) Cham nh6t ngdy 31 th6ng 5 ndm sau, Ngdn hdng Nhd nuoc Chi
nh6nh tinh, thdnh phO trgc thuQcTrung uong co y ki€n ddnh gi6 k€t qui qu
A r idanh giri x€p lo4i crtac6c ngAnhdng thucrngm4i cd phdn c6 trp sd chinh d{t
tpi dia bdn vd tdng hqp b6o c6o k€t qud d6nh gi6, x€p lo4i grii Ngdn hdng Nhd
nudc (Thanh tra Ng6n hdng Nhd nudc).
c) Thring 6 hing ndm, Th6ng d6c Ngdn hdng Nhd nudc phd chu6n k6t
qu6 d6nh gi6 xOplo4i cric ngdn hdng thuong m4i cd ph6n.
Chuong III
TO CHrIC THI'C HIEN
Ei€u 13.Trdch nhiQm criang6nhing thuong m4i cd ph.an
l. Cungc6psOliQu trungthgc,chinhx6cvd theodringch€d0 th6ngtin
b6o citonientranh.Trudnghp,'p khi xtip loai ph6thiQnsd liQub6o c6ocua
sau
ng6nhdngthuongmpi cd phdnkh6ng. qu6ntri,
chinhx6c, Chi tich HQi clong
Truong Ban ki6m so6t,Tdng gi6m ddc Ng6n hdngthuongmpi cOphdnph6i
chiu hodntodrn trSchnhiem.Ngdn hdngNhd nudc s€ cdngb6 lai viEc d6nh
gi6,xdp logingdnrhdngthucrng - ! c6 phdn.
i r ,r
m?i i - - r - i , -
2.TV dhnhgi6,xtip lopi dirngthdi gian quy dlnh theom6uquy dinh tpi
Phu luc 1 dinh kdm Quy dinh ndy.
t4
- Ei0u 14.Tr:ichnhiQm cua Ng6n hirngNhi nu'6'cchi nhinh tinh,
thinh ph5 tru'cthu6cTrung u'o'ng ngin hing thu'o'ng .a pr,a; Ji;
noi *ai
tru s6'chinh
1..
Don d!3 cacnganhdngthuongmai c6 phAn b6ocaotu d6nhgid,
gui
i ,
x€ploqidungthoi han.
,.KieT tra,xdc dinhmuc d6 chinhx6c cuas6 tigu do cacnganhang
.,
thuong marco phancungcap.
. , 3. c6 1ikien vc ttlt quarg ddnhgi6 xiip lopi nganhdngthuongmai c6
ph6nt4i diabdntheodringquy dlnh.
4. Giri Thanh NgdnhdngNhdnudccdctdi li€u saudayde ldmco sd
tra
1, ! .
danhgrax€p lopi cdcngdnhdngthucrng c6 ph6n:
m?i
- 86o c6otu d6nhgi6,x6p loai criang6nhangthucrng c6 phAn
mai theo
mduquydinhtai Phuluc l;
- vdn b6nb.6o k€t quaki6m tra.
c6o - x6c dinh s6 liQudo c6cng6nhdng
rr. I ' l i . , ,,i : , {
thucrngm4i cd phdn cung cap vd y ki€n v€ k€t qud tr,rdinh gia x€p lopi ngdn
hdngthucmgm?i c6 ph6ntpi dia bdn.
Ei6u 15. Trdch nhiQm cria c6c clon vi thuQcNgAn hing Nhi nudc
Trung uong
1.VU Cac ngan hing.va to chric tin dung phi ng6n hAng:HUCrng
oan
ngdnhdngthucrng m4i cd phAntri0n khai thqc hiQneuy dlnh ndy.
2. Thanhtra Ng6n hangNh.dnudc: chi d4o rhuc hiqn vi€c d6nhgi6, x6p
loai ngdnhdngthucrng mai co phdntheo mdu quy dlnh @i phq luc t dinh kom
Quy dinh ndy, ldm dau moi ptroi nqp v6i c6c vu c6 liOnquan tpi Ng6n hdng
Nhd nu6c Tlung uong thdm dinh vd trinh rhong d6c Ngdn hdng Nhd nu6c
phe chuankdt qu6 drinhgia x6p loai cdc nglrn hdng thuong mai c6-phAn;c6ng
b0 ket qua x6p lopi chinh thuc dOivdi cdc ngdnhdngthuong m4i c6 phAntr€n
websitecua Ngdn hdngNhd.nudc Vi€t Nam; d€ xgAt bien phripxu ly OOivOi
c6c ngdnhdngthuong m4i c6 phdnx6p loai C, D.
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