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  • NGN HNG NGOI THNG VIT NAM

    CNG HO X HI CH NGHA VIT NAM c lp T do Hnh phc

    --------------------- S: 36 /Q-NHNT.CSTD H ni, ngy 28 thng 01 nm 2008

    QUYT NH

    CA TNG GIM C NGN HNG NGOI THNG VIT NAM (v/v ban hnh Quy trnh Tn dng i vi Doanh nghip nh v va)

    - Cn c Lut cc T chc tn dng s 02/1997/QH10 ngy 12/12/1997 v Lut sa i, b sung mt s iu ca Lut cc T chc tn dng s 20/2004/QH11 ngy 15/06/2004;

    - Cn c iu l v t chc v hot ng ca Ngn hng Ngoi thng Vit nam c chun y theo Quyt nh s 1476/2001/Q-NHNN ngy 26/11/2001 ca Thng c Ngn hng Nh nc Vit Nam;

    - Cn c Quy ch cho vay ca T chc tn dng i vi khch hng ban hnh km theo Quyt nh s 1627/2001/Q-NHNN ngy 31/12/2001 v c sa i, b sung ti cc Quyt nh 28/2002/Q-NHNN ngy 11/01/2002, Quyt nh 127/2005/Q-NHNN ngy 03/02/2005, Quyt nh 783/2005/Q-NHNN ngy 31/05/2005 ca Thng c Ngn hng Nh nc Vit Nam;

    - Cn c Quy nh ca Ngn hng Ngoi thng Vit Nam v cho vay i vi khch hng ban hnh km theo Q s 228/Q-NHNT.HQT ngy 02/10/2006 ca Hi ng Qun tr Ngn hng Ngoi thng Vit Nam;

    - Theo ngh ca Phng Chnh sch Tn dng;

    QUYT NH

    iu 1. Ban hnh km theo quyt nh ny Quy trnh Tn dng i vi Doanh nghip nh v va ca Ngn hng Ngoi thng Vit Nam.

    iu 2. Quyt nh ny c hiu lc sau 20 ngy k t ngy k. iu 3. Cc ng (B) thnh vin Ban iu hnh, Gim c S giao dch, cc Chi nhnh v cc

    Trng (ph) phng/Ban lin quan ti Hi s chnh Ngn hng Ngoi thng Vit Nam chu trch nhim t chc thi hnh quyt nh ny.

    Ni nhn: - Nh iu 3 ( thc hin); - HQT, BKS HQT ( bo co); - Cc PTG ( bit, phi hp ch o); - Lu: VP, CSTD.

  • NGN HNG NGOI THNG VIT NAM

    Quy trnh tn dng i vi doanh nghip nh v va

    Ban hnh km theo Quyt nh s ..../Q-NHNT.CSTD ngy ...//2008 ca Tng Gim c Ngn hng Ngoi thng Vit Nam

    Ti liu ny c s dng vi mc ch duy nht phc v hot ng ca Ngn hng Ngoi thng Vit Nam. Vic s dng ti liu ny tun theo Quy nh ca NHNT v cng tc vn bn v qun l vn bn.

  • Quy trnh tn dng i vi khch hng l doanh nghip nh v va

    Phn Mc lc Mc Trang 2

    NGN HNG NGOI THNG VIT NAM | Ti liu s dng ni b

    MC LC Phn A. Nhng vn chung ......................................................................................................................................... 3

    I. Mc tiu v phm vi p dng quy trnh................................................................................................................... 3 II. Gii thch t ng v cc t vit tt........................................................................................................................... 3

    II.1. Gii thch t ng ............................................................................................................................................ 3 II.2. Cc t vit tt ................................................................................................................................................. 3

    Phn B. Quy trnh tn dng c th ................................................................................................................................. 4

    I. Xc nh GHTD ....................................................................................................................................................... 4 I.1. xut GHTD .................................................................................................................................................... 4 I.2. Ph duyt GHTD ................................................................................................................................................. 5 I.3. Cp nht d liu v lu tr h s ....................................................................................................................... 5 I.4. R sot v xc nh li GHTD............................................................................................................................ 5 I.5. iu chnh GHTD ............................................................................................................................................... 5

    II. Cp tn dng ............................................................................................................................................................. 7 II.1. Cho vay vn lu ng v u t d n.......................................................................................................... 7

    II.1.1. Tip nhn h s ngh vay vn v nh gi ban u............................................................................. 7 II.1.2. Thm nh xut tn dng....................................................................................................................... 7 II.1.3. Ph duyt tn dng..................................................................................................................................... 7 II.1.4. K Hp ng tn dng, Hp ng th chp, cm c v Hp ng lin quan .......................................... 7 II.1.5. Nhp d liu trn h thng cng ngh thng tin v lu tr h s............................................................ 7 II.1.6. Rt vn vay................................................................................................................................................ 7

    II.2. M LC, pht hnh BL, CK chng t c truy i ........................................................................................... 7 II.2.1. xut, ph duyt tn dng v cp nht d liu, lu gi h s................................................................... 7 II.2.2. M LC, pht hnh bo lnh, chit khu chng t c truy i.................................................................. 7

    II.3. Quy trnh kim tra, gim st tn dng, pht hin v x l cc du hiu ri ro............................................. 7 II.3.1. Quy trnh kim tra v gim st tn dng ....................................................................................................... 7 II.3.2. Pht hin v x l cc trng hp c du hiu ri ro................................................................................... 7

    II.4. iu chnh tn dng ........................................................................................................................................ 7 II.5. Thu n ............................................................................................................................................................. 7

    II.5.1. Cc khon cho vay..................................................................................................................................... 7 II.5.2. Th tn dng, bo lnh v chit khu chng t c truy i...................................................................... 7

    II.6. X l cc khon n c vn ........................................................................................................................ 7 II.6.1. Khon vay pht sinh n qu hn ............................................................................................................... 7 II.6.2. Khch hng vay bt buc thc hin ngha v TTTM.......................................................................... 7

    II.7. Thanh l hp ng v gii chp ti sn m bo/m bo b sung ............................................................ 7

  • Quy trnh tn dng i vi khch hng l doanh nghip nh v va

    Phn A. Nhng vn chung Mc Trang 3

    NGN HNG NGOI THNG VIT NAM | Ti liu s dng ni b

    Phn A. Nhng vn chung

    I. Mc tiu v phm vi p dng quy trnh Quy trnh tn dng i vi khch hng l doanh nghip nh v va (sau y c gi tt l Quy trnh TD DNN&V) l quy nh thng nht ni b ca Ngn hng Ngoi thng Vit Nam v trnh t cc bc x l trong qu trnh cp tn dng n khch hng l doanh nghip nh v va (DNN&V). Tuy nhin, trong tng thi k, i vi cc i tng khch hng khc nhau, i vi cc sn phm tn dng khc nhau, Ngn hng Ngoi thng Vit Nam c th c nhng quy nh bt buc, khuyn khch hay khng p dng mt/mt s bc x l trong Quy trnh tn dng ny.

    II. Gii thch t ng v cc t vit tt II.1. Gii thch t ng

    Trong vn bn ny, Doanh nghip nh v va l doanh nghip p ng cc iu kin do Ngn hng Ngoi thng Vit Nam quy nh trong tng thi k.

    II.2. Cc t vit tt BL Bo lnh CB Cn b Chi nhnh S giao dch v cc Chi nhnh Ngn hng Ngoi thng Vit Nam CKT Chit khu c truy i DNN&V/SME Doanh nghip nh v va TDA u t d n G Gim c hoc Ph Gim c c y quyn ph duyt tn dng vi

    DNN&V GHTD Gii hn tn dng HTD Hi ng tn dng HSC Hi S chnh KQ Kho qu LC Th tn dng NHNT Ngn hng Ngoi thng Vit Nam P.QHKHSME Phng/b phn chu trch nhim tham gia qu trnh xut, phn tch ri

    ro cp tn dng i vi DNN&V theo phn cp, y quyn QLN Qun l n TD Tn dng i vi DNN&V TG Tng gim c hoc Ph Tng gim c c y quyn TP Trng / Ph phng TSB Ti sn bo m TSTC,CC, BL Ti sn th chp, cm c TTTM Ti tr thng mi (bao gm c bo lnh, L/C, chit khu c truy i)

  • Quy trnh tn dng i vi khch hng l doanh nghip nh v va

    Phn B. Quy trnh tn dng c th Mc I. Xc nh gii hn tn dng Trang 4

    NGN HNG NGOI THNG VIT NAM | Ti liu s dng ni b

    Phn B. Quy trnh tn dng c th

    I. Xc nh GHTD i vi cc i tng khch hng doanh nghip trong phm vi iu chnh ca Quy trnh ny, vic xc nh GHTD c khuyn khch thc hin trong nhm khch hng thuc i tng bt buc phi cho im, xp hng tn dng, xc nh GHTD ti ln cp tn dng u tin v/hoc hng nm do Tng Gim c NHNT quy nh theo tng thi k.

    I.1. xut GHTD TT Cc bc cng vic Trch nhim

    thc hin 1 Thu thp thng tin v h s ti liu trc tip t khch hng hoc t ngun khc (nu

    c) lm c s phc v cng tc phn tch ri ro. Kim tra tnh y , cp nht ca h s v thng tin lin quan n khch hng.

    P. QHKHSME

    2 Thm nh, nh gi ri ro tn dng ca khch hng. P. QHKHSME 3 Cho im v xp hng tn nhim khch hng. P. QHKHSME 4 Trn c s kt qu thm nh, nh gi ri ro tn dng v kt qu chm im, xp

    hng tn nhim khch hng, nu nhn thy c th thit lp mi, hoc tip tc quan h tn dng vi khch hng, CB QHKHSME lp xut GHTD theo Mu s 1.1 Bo co thm nh v xut GHTD, trong phi c kin ca c CB QHKHSME v TP QHKHSME.

    P. QHKHSME

    5 Bo co thm nh v xut GHTD phi: a) Cung cp y , trung thc v r rng nhng thng tin P.QHKHSME tng hp