{"id":122,"date":"2021-03-08T08:49:38","date_gmt":"2021-03-08T08:49:38","guid":{"rendered":"http:\/\/kthtx.vn\/?p=122"},"modified":"2021-03-08T08:49:38","modified_gmt":"2021-03-08T08:49:38","slug":"huong-dan-ve-tin-dung-noi-bo-hop-tac-xa","status":"publish","type":"post","link":"https:\/\/kthtx.vn\/index.php\/2021\/03\/08\/huong-dan-ve-tin-dung-noi-bo-hop-tac-xa\/","title":{"rendered":"H\u01af\u1edaNG D\u1eaaN V\u1ec0 T\u00cdN D\u1ee4NG N\u1ed8I B\u1ed8 H\u1ee2P T\u00c1C X\u00c3"},"content":{"rendered":"\n

Th\u00e1ng B\u1ea3y 31, 2020 at 9:16 SA \u2014 lotusvina<\/a><\/p>\n\n\n\n

NG\u00c2N H\u00c0NG NH\u00c0 N\u01af\u1edaC
********<\/strong><\/p>\n\n\n\n

C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM
\u0110\u1ed9c l\u1eadp – T\u1ef1 do – H\u1ea1nh ph\u00fac
********<\/strong><\/p>\n\n\n\n

S\u1ed1: 06\/2004\/TT-NHNN<\/p>\n\n\n\n

H\u00e0 N\u1ed9i, ng\u00e0y 27 th\u00e1ng 9 n\u0103m 2004<\/em><\/p>\n\n\n\n

TH\u00d4NG T\u01af<\/strong><\/a><\/p>\n\n\n\n

C\u1ee6A NG\u00c2N H\u00c0NG NH\u00c0 N\u01af\u1edaC VI\u1ec6T NAM S\u1ed0 06\/2004\/TT-NHNN NG\u00c0Y 27 TH\u00c1NG 9 N\u0102M 2004 H\u01af\u1edaNG D\u1eaaN V\u1ec0 T\u00cdN D\u1ee4NG N\u1ed8I B\u1ed8 H\u1ee2P T\u00c1C X\u00c3<\/a><\/p>\n\n\n\n

C\u0103n c\u1ee9 Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3 ng\u00e0y 26 th\u00e1ng11 n\u0103m 2003;<\/em>
C\u0103n c\u1ee9 Ch\u1ec9 th\u1ecb s\u1ed1 22\/2003\/CT-TTg ng\u00e0y 03 th\u00e1ng10 n\u0103m 2003 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u1ec1 ti\u1ebfp t\u1ee5c th\u00fac \u0111\u1ea9y vi\u1ec7c th\u1ef1c hi\u1ec7n Ngh\u1ecb quy\u1ebft Trung \u01b0\u01a1ng 5 (Kho\u00e1 IX) v\u1ec1 kinh t\u1ebf t\u1eadp th\u1ec3;<\/em>
Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam h\u01b0\u1edbng d\u1eabn v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 nh\u01b0 sau:<\/em><\/p>\n\n\n\n

I. QUY \u0110\u1ecaNH CHUNG<\/strong><\/a><\/p>\n\n\n\n

1. Th\u00f4ng t\u01b0 n\u00e0y h\u01b0\u1edbng d\u1eabn v\u1ec1 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9) m\u00e0 theo \u0111\u00f3, c\u00e1c h\u1ee3p t\u00e1c x\u00e3 s\u1eed d\u1ee5ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a x\u00e3 vi\u00ean \u0111\u1ec3 cho c\u00e1c x\u00e3 vi\u00ean c\u1ee7a m\u00ecnh vay.<\/p>\n\n\n\n

2. T\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng ph\u1ee5 tr\u1ee3 trong h\u1ee3p t\u00e1c x\u00e3, do t\u1eadp th\u1ec3 x\u00e3 vi\u00ean c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 t\u1ef1 nguy\u1ec7n tham gia v\u00e0 t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng. Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi nh\u1eefng r\u1ee7i ro c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9. M\u1ecdi t\u1ed5n th\u1ea5t v\u1ec1 v\u1ed1n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 do x\u00e3 vi\u00ean v\u00e0 h\u1ee3p t\u00e1c x\u00e3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m x\u1eed l\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 h\u01b0\u1edbng d\u1eabn t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y.<\/p>\n\n\n\n

3. M\u1ee5c \u0111\u00edch c\u1ee7a t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 l\u00e0 h\u1ee3p t\u00e1c x\u00e3 h\u1ed7 tr\u1ee3 m\u1ed9t ph\u1ea7n v\u1ed1n cho x\u00e3 vi\u00ean \u0111\u1ec3 s\u1ea3n xu\u1ea5t, kinh doanh; kh\u00f4ng v\u00ec l\u1ee3i nhu\u1eadn, nh\u01b0ng ph\u1ea3i b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c v\u1ed1n v\u00e0 b\u00f9 \u0111\u1eafp \u0111\u1ee7 c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9.<\/p>\n\n\n\n

4. Ban qu\u1ea3n tr\u1ecb h\u1ee3p t\u00e1c x\u00e3 (sau \u0111\u00e2y g\u1ecdi l\u00e0 Ban qu\u1ea3n tr\u1ecb) ph\u1ea3i ni\u00eam y\u1ebft c\u00f4ng khai v\u0103n b\u1ea3n cam k\u1ebft gi\u1eefa t\u1ea5t c\u1ea3 x\u00e3 vi\u00ean v\u00e0 Ban qu\u1ea3n tr\u1ecb v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a Ban qu\u1ea3n tr\u1ecb v\u00e0 x\u00e3 vi\u00ean \u0111\u1ed1i v\u1edbi k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, c\u00e1c cam k\u1ebft kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y v\u00e0 ph\u00e1p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan.<\/p>\n\n\n\n

5. H\u1ee3p t\u00e1c x\u00e3 ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng m\u1ed9t ph\u1ea7n v\u1ed1n \u0111i\u1ec1u l\u1ec7 v\u00e0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng th\u00eam v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a x\u00e3 vi\u00ean \u0111\u1ec3 cho x\u00e3 vi\u00ean vay. Nghi\u00eam c\u1ea5m vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e3 vi\u00ean c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 \u0111\u1ec3 l\u00e0m ngu\u1ed3n v\u1ed1n cho vay. Tr\u01b0\u1eddng h\u1ee3p h\u1ee3p t\u00e1c x\u00e3 l\u00e0m \u0111\u1ea1i l\u00fd, u\u1ef7 th\u00e1c cho vay theo h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng thu\u1ed9c ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y.<\/p>\n\n\n\n

Nghi\u00eam c\u1ea5m h\u1ee3p t\u00e1c x\u00e3 cho vay \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e3 vi\u00ean c\u1ee7a h\u1ee3p t\u00e1c x\u00e3.<\/p>\n\n\n\n

6. Gi\u1ea3i th\u00edch m\u1ed9t s\u1ed1 t\u1eeb ng\u1eef:<\/p>\n\n\n\n

a. Th\u1eddi h\u1ea1n cho vay l\u00e0 kho\u1ea3ng th\u1eddi gian \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb khi x\u00e3 vi\u00ean b\u1eaft \u0111\u1ea7u nh\u1eadn v\u1ed1n vay cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m tr\u1ea3 h\u1ebft n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i v\u1ed1n vay \u0111\u00e3 \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa h\u1ee3p t\u00e1c x\u00e3 v\u00e0 x\u00e3 vi\u00ean;<\/p>\n\n\n\n

b. K\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e0 c\u00e1c kho\u1ea3ng th\u1eddi gian trong th\u1eddi h\u1ea1n cho vay \u0111\u00e3 \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn gi\u1eefa h\u1ee3p t\u00e1c x\u00e3 v\u00e0 x\u00e3 vi\u00ean m\u00e0 t\u1ea1i cu\u1ed1i m\u1ed7i kho\u1ea3ng th\u1eddi gian x\u00e3 vi\u00ean ph\u1ea3i tr\u1ea3 m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 v\u1ed1n vay cho h\u1ee3p t\u00e1c x\u00e3;<\/p>\n\n\n\n

c. Gia h\u1ea1n n\u1ee3 vay l\u00e0 vi\u1ec7c h\u1ee3p t\u00e1c x\u00e3 ch\u1ea5p thu\u1eadn k\u00e9o d\u00e0i th\u00eam m\u1ed9t kho\u1ea3ng th\u1eddi gian ngo\u00e0i th\u1eddi h\u1ea1n cho vay \u0111\u00e3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng;<\/p>\n\n\n\n

d. \u0110i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e0 vi\u1ec7c h\u1ee3p t\u00e1c x\u00e3 v\u00e0 x\u00e3 vi\u00ean tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c thay \u0111\u1ed5i c\u00e1c k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u00e3 tho\u1ea3 thu\u1eadn tr\u01b0\u1edbc \u0111\u00f3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng;<\/p>\n\n\n\n

\u0111. Cho vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c cho vay v\u1ed1n c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 m\u00e0 theo \u0111\u00f3, ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a x\u00e3 vi\u00ean \u0111\u01b0\u1ee3c cam k\u1ebft b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n b\u1eb1ng t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p, t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb v\u1ed1n vay c\u1ee7a x\u00e3 vi\u00ean ho\u1eb7c b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba.<\/p>\n\n\n\n

II. QUY \u0110\u1ecaNH C\u1ee4 TH\u1ec2<\/strong><\/a><\/p>\n\n\n\n

1. H\u1ee3p t\u00e1c x\u00e3 v\u00e0 x\u00e3 vi\u00ean vay v\u1ed1n ph\u1ea3i b\u1ea3o \u0111\u1ea3m nguy\u00ean t\u1eafc:<\/p>\n\n\n\n

a. Th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 h\u01b0\u1edbng d\u1eabn t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y;<\/p>\n\n\n\n

b. X\u00e3 vi\u00ean ph\u1ea3i s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, ho\u00e0n tr\u1ea3 \u0111\u00fang h\u1ea1n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

2. C\u00e1c h\u1ee3p t\u00e1c x\u00e3 th\u1ef1c hi\u1ec7n t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 ph\u1ea3i c\u00f3 \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau \u0111\u00e2y:<\/p>\n\n\n\n

a. \u0110\u00e3 chuy\u1ec3n \u0111\u1ed5i ho\u1eb7c th\u00e0nh l\u1eadp, ho\u1ea1t \u0111\u1ed9ng theo Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3 v\u00e0 \u0111\u01b0\u1ee3c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n b\u1ed5 sung gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh c\u00f3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

b. \u0110i\u1ec1u l\u1ec7 h\u1ee3p t\u00e1c x\u00e3 c\u00f3 quy \u0111\u1ecbnh ho\u1eb7c \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean c\u00f3 ngh\u1ecb quy\u1ebft v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

c. Th\u1ef1c hi\u1ec7n s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 \u0111\u00fang ng\u00e0nh ngh\u1ec1 ghi trong gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh ;<\/p>\n\n\n\n

d. Ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 \u1ed5n \u0111\u1ecbnh v\u00e0 c\u00f3 l\u00e3i t\u1eeb 03 n\u0103m li\u1ec1n k\u1ec1 tr\u1edf l\u00ean, t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m h\u1ee3p t\u00e1c x\u00e3 \u0111\u1ec1 ngh\u1ecb c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n b\u1ed5 sung gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh c\u00f3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

\u0111. C\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u l\u00e0 150 (m\u1ed9t tr\u0103m n\u0103m m\u01b0\u01a1i) tri\u1ec7u \u0111\u1ed3ng;<\/a><\/p>\n\n\n\n

e. C\u00f3 c\u01a1 s\u1edf v\u1eadt ch\u1ea5t \u0111\u1ea3m b\u1ea3o an to\u00e0n cho t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, nh\u01b0 nh\u00e0 l\u00e0m vi\u1ec7c ki\u00ean c\u1ed1, c\u00f3 t\u1ee7 b\u1ea3o qu\u1ea3n h\u1ed3 s\u01a1 t\u00e0i li\u1ec7u, c\u00f3 k\u00e9t s\u1eaft \u0111\u1ef1ng ti\u1ec1n…;<\/p>\n\n\n\n

g. Th\u00e0nh vi\u00ean Ban qu\u1ea3n tr\u1ecb h\u1ee3p t\u00e1c x\u00e3 (sau \u0111\u00e2y g\u1ecdi t\u1eaft l\u00e0 Ban qu\u1ea3n tr\u1ecb) c\u00f3 ph\u1ea9m ch\u1ea5t \u0111\u1ea1o \u0111\u1ee9c t\u1ed1t, c\u00f3 uy t\u00edn; Ch\u1ee7 nhi\u1ec7m ho\u1eb7c Ph\u00f3 ch\u1ee7 nhi\u1ec7m h\u1ee3p t\u00e1c x\u00e3 v\u00e0 c\u00e1n b\u1ed9 l\u00e0m nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 c\u00f3 tr\u00ecnh \u0111\u1ed9 \u00edt nh\u1ea5t l\u00e0 t\u1ed1t nghi\u1ec7p trung c\u1ea5p kinh t\u1ebf v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1eadp hu\u1ea5n v\u1ec1 nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3;<\/a><\/p>\n\n\n\n

h. Th\u1ef1c hi\u1ec7n vi\u1ec7c h\u1ea1ch to\u00e1n k\u1ebf to\u00e1n, b\u00e1o c\u00e1o, th\u1ed1ng k\u00ea ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 k\u1ebf to\u00e1n, th\u1ed1ng k\u00ea; m\u1edf s\u1ed5 s\u00e1ch ghi ch\u00e9p, theo d\u00f5i v\u00e0 h\u1ea1ch to\u00e1n ri\u00eang ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

3. Ngu\u1ed3n v\u1ed1n \u0111\u1ec3 cho x\u00e3 vi\u00ean vay g\u1ed3m:<\/p>\n\n\n\n

a. V\u1ed1n \u0111i\u1ec1u l\u1ec7 b\u1eb1ng ti\u1ec1n, nh\u01b0ng t\u1ed1i \u0111a b\u1eb1ng 50% (n\u0103m m\u01b0\u01a1i ph\u1ea7n tr\u0103m) s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 b\u1eb1ng ti\u1ec1n n\u00e0y. V\u1ed1n \u0111i\u1ec1u l\u1ec7 b\u1eb1ng ti\u1ec1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng t\u1ed5ng s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u1ef1c c\u00f3 tr\u1eeb \u0111i (-) s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u00e3 s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh v\u00e0 c\u00e1c t\u00e0i s\u1ea3n l\u01b0u \u0111\u1ed9ng kh\u00e1c;<\/p>\n\n\n\n

b. V\u1ed1n huy \u0111\u1ed9ng c\u1ee7a x\u00e3 vi\u00ean trong h\u1ee3p t\u00e1c x\u00e3, nh\u01b0ng t\u1ed1i \u0111a b\u1eb1ng 30% (ba m\u01b0\u01a1i ph\u1ea7n tr\u0103m) v\u1ed1n \u0111i\u1ec1u l\u1ec7 b\u1eb1ng ti\u1ec1n.<\/p>\n\n\n\n

4. X\u00e3 vi\u00ean vay v\u1ed1n ph\u1ea3i c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n:<\/p>\n\n\n\n

a. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay h\u1ee3p ph\u00e1p;<\/p>\n\n\n\n

b. C\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ea3m b\u1ea3o tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay trong th\u1eddi h\u1ea1n cam k\u1ebft.<\/p>\n\n\n\n

5. M\u1ee9c cho vay t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi m\u1ed9t x\u00e3 vi\u00ean \u00e1p d\u1ee5ng trong t\u1eebng th\u1eddi k\u1ef3 do \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean quy\u1ebft \u0111\u1ecbnh, nh\u01b0ng t\u1ed1i \u0111a b\u1eb1ng 5% (n\u0103m ph\u1ea7n tr\u0103m) s\u1ed1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 b\u1eb1ng ti\u1ec1n c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9.<\/p>\n\n\n\n

6. Th\u1eddi h\u1ea1n cho vay ch\u1ee7 y\u1ebfu l\u00e0 ng\u1eafn h\u1ea1n (t\u1eeb 12 th\u00e1ng tr\u1edf xu\u1ed1ng); tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t c\u00f3 th\u1ec3 cho vay trung h\u1ea1n (t\u1eeb tr\u00ean 12 th\u00e1ng \u0111\u1ebfn 36 th\u00e1ng), nh\u01b0ng d\u01b0 n\u1ee3 cho vay trung h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng 20% (hai m\u01b0\u01a1i ph\u1ea7n tr\u0103m) t\u1ed5ng d\u01b0 n\u1ee3 cho vay. Ban qu\u1ea3n tr\u1ecb xem x\u00e9t, tho\u1ea3 thu\u1eadn th\u1eddi h\u1ea1n cho vay v\u1edbi x\u00e3 vi\u00ean theo m\u1ee5c \u0111\u00edch vay v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a x\u00e3 vi\u00ean.<\/p>\n\n\n\n

7. L\u00e3i su\u1ea5t cho vay, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a x\u00e3 vi\u00ean do \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean quy\u1ebft \u0111\u1ecbnh nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t cho vay v\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng c\u00f9ng lo\u1ea1i, c\u00f9ng th\u1eddi \u0111i\u1ec3m v\u00e0 c\u00f9ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tr\u00ean \u0111\u1ecba b\u00e0n, n\u01a1i h\u1ee3p t\u00e1c x\u00e3 \u0111\u00f3ng tr\u1ee5 s\u1edf ch\u00ednh.<\/p>\n\n\n\n

L\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 vay qu\u00e1 h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng 150% (m\u1ed9t tr\u0103m n\u0103m m\u01b0\u01a1i ph\u1ea7n tr\u0103m) l\u00e3i su\u1ea5t cho vay ghi trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

8. Ban qu\u1ea3n tr\u1ecb v\u00e0 x\u00e3 vi\u00ean vay v\u1ed1n tho\u1ea3 thu\u1eadn k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay theo th\u00e1ng, qu\u00fd, m\u00f9a v\u1ee5 ho\u1eb7c tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay m\u1ed9t l\u1ea7n khi \u0111\u1ebfn h\u1ea1n, tr\u00ean c\u01a1 s\u1edf m\u1ee5c \u0111\u00edch vay v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng thu nh\u1eadp c\u1ee7a x\u00e3 vi\u00ean.<\/p>\n\n\n\n

9. Vi\u1ec7c cho x\u00e3 vi\u00ean vay v\u1ed1n c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n ho\u1eb7c kh\u00f4ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n l\u00e0 do \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean quy\u1ebft \u0111\u1ecbnh.<\/a><\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi kho\u1ea3n vay m\u00e0 \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean quy\u1ebft \u0111\u1ecbnh ph\u1ea3i c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n, th\u00ec h\u1ee3p t\u00e1c x\u00e3 v\u00e0 x\u00e3 vi\u00ean th\u1ef1c hi\u1ec7n tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c v\u0103n b\u1ea3n:<\/p>\n\n\n\n

– C\u00e1c quy \u0111\u1ecbnh t\u1ea1i m\u1ee5c 5 ch\u01b0\u01a1ng I ph\u1ea7n th\u1ee9 ba, m\u1ee5c 4 ch\u01b0\u01a1ng II ph\u1ea7n th\u1ee9 ba, ch\u01b0\u01a1ng V ph\u1ea7n th\u1ee9 n\u0103m c\u1ee7a B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1;<\/p>\n\n\n\n

– Quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0110i\u1ec1u 113;114;130 v\u00e0 146 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 <\/a>v\u00e0 ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt n\u00e0y;<\/p>\n\n\n\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 165\/1999\/N\u0110-CP ng\u00e0y 19\/11\/1999 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 06\/2002\/TT-BTP ng\u00e0y 28\/02\/2002 c\u1ee7a B\u1ed9 T\u01b0 Ph\u00e1p h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh n\u00e0y;<\/p>\n\n\n\n

– Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 08\/1999\/N\u0110-CP ng\u00e0y 10\/3\/2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c v\u0103n b\u1ea3n c\u1ee7a c\u00e1c B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng h\u01b0\u1edbng d\u1eabn ngh\u1ecb \u0111\u1ecbnh n\u00e0y;<\/p>\n\n\n\n

– C\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan.<\/p>\n\n\n\n

10. H\u1ed3 s\u01a1 vay v\u1ed1n g\u1ed3m:<\/p>\n\n\n\n

a. Gi\u1ea5y \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n (m\u1eabu ph\u1ee5 l\u1ee5c 01);<\/p>\n\n\n\n

b. H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (m\u1eabu ph\u1ee5 l\u1ee5c 02);<\/p>\n\n\n\n

c. H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u00f3 li\u00ean quan kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

11. Quy tr\u00ecnh cho vay nh\u01b0 sau:<\/p>\n\n\n\n

a. X\u00e3 vi\u00ean c\u00f3 nhu c\u1ea7u vay v\u1ed1n g\u1eedi gi\u1ea5y \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n cho Ban qu\u1ea3n tr\u1ecb;<\/p>\n\n\n\n

b. Ban qu\u1ea3n tr\u1ecb th\u1ea9m \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a x\u00e3 vi\u00ean v\u00e0 c\u0103n c\u1ee9 kh\u1ea3 n\u0103ng ngu\u1ed3n v\u1ed1n \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh cho vay;<\/p>\n\n\n\n

c. Ban qu\u1ea3n tr\u1ecb v\u00e0 x\u00e3 vi\u00ean k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 l\u00e0m th\u1ee7 t\u1ee5c nh\u1eadn n\u1ee3, gi\u1ea3i ng\u00e2n ti\u1ec1n vay;<\/p>\n\n\n\n

d. \u0110\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng ho\u1eb7c \u0111\u1ed9t xu\u1ea5t, Ban qu\u1ea3n tr\u1ecb ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 \u0111\u00f4n \u0111\u1ed1c x\u00e3 vi\u00ean tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n;<\/p>\n\n\n\n

12. Trong th\u1eddi h\u1ea1n cho vay, n\u1ebfu x\u00e3 vi\u00ean vay v\u1ed1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n, th\u00ec g\u1eedi gi\u1ea5y \u0111\u1ec1 ngh\u1ecb \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 ho\u1eb7c gia h\u1ea1n n\u1ee3 cho Ban qu\u1ea3n tr\u1ecb. Ban qu\u1ea3n tr\u1ecb xem x\u00e9t cho \u0111i\u1ec1u ch\u1ec9nh ho\u1eb7c gia h\u1ea1n n\u1ee3 v\u1edbi th\u1eddi h\u1ea1n t\u1ed1i \u0111a b\u1eb1ng 12 th\u00e1ng t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac th\u1eddi h\u1ea1n cho vay.<\/p>\n\n\n\n

Tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay kh\u00f4ng \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3, th\u00ec Ban qu\u1ea3n tr\u1ecb chuy\u1ec3n s\u1ed1 d\u01b0 kho\u1ea3n vay \u0111\u00f3 sang n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t n\u1ee3 vay qu\u00e1 h\u1ea1n nh\u01b0 \u0111\u00e3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

13. K\u1ebft th\u00fac n\u0103m t\u00e0i ch\u00ednh, h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i tr\u00edch t\u1ed1i thi\u1ec3u 50% (n\u0103m m\u01b0\u01a1i ph\u1ea7n tr\u0103m) s\u1ed1 ti\u1ec1n ch\u00eanh l\u1ec7ch gi\u1eefa thu l\u00e3i cho vay v\u00e0 chi ph\u00ed th\u1ef1c t\u1ebf c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 \u0111\u1ec3 l\u1eadp Qu\u1ef9 d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng l\u00e0m ngu\u1ed3n x\u1eed l\u00fd nh\u1eefng kho\u1ea3n cho vay b\u1ecb th\u1ea5t tho\u00e1t do nguy\u00ean nh\u00e2n kh\u00e1ch quan nh\u01b0: thi\u00ean tai, d\u1ecbch b\u1ec7nh \u0111\u1ed1i v\u1edbi c\u00e2y tr\u1ed3ng, v\u1eadt nu\u00f4i; ng\u01b0\u1eddi vay v\u1ed1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 do \u1ed1m \u0111au, b\u1ec7nh t\u1eadt, ch\u1ebft, m\u1ea5t t\u00edch m\u00e0 kh\u00f4ng c\u00f3 ng\u01b0\u1eddi th\u1eeba k\u1ebf; c\u00e1c nguy\u00ean nh\u00e2n kh\u00e1ch quan kh\u00e1c.<\/p>\n\n\n\n

14. H\u1ee3p t\u00e1c x\u00e3 th\u1ef1c hi\u1ec7n vi\u1ec7c h\u1ea1ch to\u00e1n k\u1ebf to\u00e1n, th\u1ed1ng k\u00ea ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 k\u1ebf to\u00e1n, th\u1ed1ng k\u00ea \u0111\u1ed1i v\u1edbi h\u1ee3p t\u00e1c x\u00e3 v\u00e0 theo quy \u0111\u1ecbnh sau \u0111\u00e2y:<\/p>\n\n\n\n

a. M\u1edf c\u00e1c t\u00e0i kho\u1ea3n ri\u00eang trong b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u00e0i kho\u1ea3n c\u1ee7a h\u1ee3p t\u00e1c x\u00e3 \u0111\u1ec3 theo d\u00f5i, h\u1ea1ch to\u00e1n s\u1ed1 v\u1ed1n huy \u0111\u1ed9ng, cho vay, thu l\u00e3i ti\u1ec1n vay, tr\u1ea3 l\u00e3i v\u1ed1n huy \u0111\u1ed9ng, chi ph\u00ed t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

b. Ghi ch\u00e9p s\u1ed1 ti\u1ec1n thu, chi c\u1ee7a t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 theo \u0111\u00fang ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n; ch\u1ee9ng t\u1eeb k\u1ebf to\u00e1n ph\u1ea3i c\u00f3 \u0111\u1ee7 ch\u1eef k\u00fd, \u0111\u1ea3m b\u1ea3o h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7;<\/p>\n\n\n\n

c. M\u1edf s\u1ed5 qu\u1ef9 ti\u1ec1n m\u1eb7t ri\u00eang \u0111\u1ec3 ghi ch\u00e9p c\u00e1c kho\u1ea3n thu, chi c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9. \u0110\u1ecbnh k\u1ef3 ho\u1eb7c \u0111\u1ed9t xu\u1ea5t, Ban ki\u1ec3m so\u00e1t h\u1ee3p t\u00e1c x\u00e3 ti\u1ebfn h\u00e0nh ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n v\u00e0 t\u1ed3n qu\u1ef9 ti\u1ec1n m\u1eb7t th\u1ef1c t\u1ebf; n\u1ebfu c\u00f3 ch\u00eanh l\u1ec7ch th\u00ec ph\u1ea3i x\u1eed l\u00fd k\u1ecbp th\u1eddi.<\/p>\n\n\n\n

15. H\u1ee3p t\u00e1c x\u00e3 t\u1ea1m ng\u1eebng, ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p:<\/p>\n\n\n\n

a. Khi c\u00f3 n\u1ee3 qu\u00e1 h\u1ea1n v\u01b0\u1ee3t qu\u00e1 5% (n\u0103m ph\u1ea7n tr\u0103m) t\u1ed5ng d\u01b0 n\u1ee3, th\u00ec h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i t\u1ea1m ng\u1eebng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 \u0111\u1ec3 c\u00f3 bi\u1ec7n ph\u00e1p thu h\u1ed3i n\u1ee3 vay qu\u00e1 h\u1ea1n, cho \u0111\u1ebfn khi t\u1ef7 l\u1ec7 n\u1ee3 qu\u00e1 h\u1ea1n d\u01b0\u1edbi 5% (n\u0103m ph\u1ea7n tr\u0103m) th\u00ec ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

b. Trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, n\u1ebfu h\u1ee3p t\u00e1c x\u00e3 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m 2 M\u1ee5c n\u00e0y, th\u00ec h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i t\u1ea1m ng\u1eebng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 cho \u0111\u1ebfn khi \u0111\u00e1p \u1ee9ng \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n m\u1edbi \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng. Sau th\u1eddi h\u1ea1n 01 n\u0103m, k\u1ec3 t\u1eeb ng\u00e0y t\u1ea1m ng\u1eebng m\u00e0 h\u1ee3p t\u00e1c x\u00e3 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u00ec h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i ti\u1ebfn h\u00e0nh thanh to\u00e1n c\u00f4ng n\u1ee3 v\u00e0 ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

c. Ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 b\u1ecb l\u1ed7, th\u00ec h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i t\u1ea1m ng\u1eebng ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, thu h\u1ed3i n\u1ee3 \u0111\u1ec3 thanh to\u00e1n c\u00f4ng n\u1ee3 v\u00e0 b\u00e1o c\u00e1o \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean xem x\u00e9t quy\u1ebft \u0111\u1ecbnh vi\u1ec7c x\u1eed l\u00fd s\u1ed1 t\u1ed5n th\u1ea5t, c\u0169ng nh\u01b0 vi\u1ec7c h\u1ee3p t\u00e1c x\u00e3 c\u00f3 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 hay kh\u00f4ng.<\/p>\n\n\n\n

16. K\u1ebft th\u00fac n\u0103m t\u00e0i ch\u00ednh, \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean xem x\u00e9t, quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng Qu\u1ef9 d\u1ef1 ph\u00f2ng r\u1ee7i ro \u0111\u1ec3 x\u1eed l\u00fd nh\u1eefng kho\u1ea3n n\u1ee3 vay m\u00e0 x\u00e3 vi\u00ean kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 \u0111\u01b0\u1ee3c do c\u00e1c nguy\u00ean nh\u00e2n quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m 13 m\u1ee5c II Th\u00f4ng t\u01b0 n\u00e0y.<\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi kho\u1ea3n vay x\u00e3 vi\u00ean kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c do nguy\u00ean nh\u00e2n ch\u1ee7 quan, Ban qu\u1ea3n tr\u1ecb b\u00e1o c\u00e1o U\u1ef7 ban nh\u00e2n d\u00e2n c\u00e1c c\u1ea5p \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p h\u00e0nh ch\u00ednh \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Tr\u01b0\u1eddng h\u1ee3p x\u00e3 vi\u00ean c\u1ed1 t\u00ecnh ch\u00e2y \u1ef3 kh\u00f4ng tr\u1ea3 n\u1ee3, th\u00ec Ban qu\u1ea3n tr\u1ecb kh\u1edfi ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

17. Tr\u00e1ch nhi\u1ec7m c\u1ee7a Ban qu\u1ea3n tr\u1ecb, nh\u00e2n vi\u00ean cho vay v\u00e0 x\u00e3 vi\u00ean vay v\u1ed1n<\/p>\n\n\n\n

a. Tr\u00e1ch nhi\u1ec7m c\u1ee7a Ban qu\u1ea3n tr\u1ecb v\u00e0 nh\u00e2n vi\u00ean cho vay:<\/p>\n\n\n\n

– Th\u1ef1c hi\u1ec7n vi\u1ec7c cho vay theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y v\u00e0 \u0110i\u1ec1u l\u1ec7 h\u1ee3p t\u00e1c x\u00e3 ho\u1eb7c ngh\u1ecb quy\u1ebft c\u1ee7a \u0110\u1ea1i h\u1ed9i x\u00e3 vi\u00ean v\u1ec1 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

– Ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a x\u00e3 vi\u00ean, ph\u00e1t hi\u1ec7n c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u1ec3 x\u1eed l\u00fd k\u1ecbp th\u1eddi;<\/p>\n\n\n\n

– Th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd k\u1ebft v\u1edbi x\u00e3 vi\u00ean;<\/p>\n\n\n\n

– Cung c\u1ea5p t\u00e0i li\u1ec7u v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc th\u1ef1c hi\u1ec7n vi\u1ec7c ki\u1ec3m tra, thanh tra ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

– B\u00e1o c\u00e1o t\u00ecnh h\u00ecnh th\u1ef1c hi\u1ec7n t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 theo y\u00eau c\u1ea7u c\u1ee7a U\u1ef7 ban nh\u00e2n d\u00e2n huy\u1ec7n, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c t\u1ec9nh.<\/p>\n\n\n\n

– \u0110\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n cho vay kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 n\u00e0y b\u1ecb th\u1ea5t tho\u00e1t v\u1ed1n, th\u00ec th\u00e0nh vi\u00ean Ban qu\u1ea3n tr\u1ecb, nh\u00e2n vi\u00ean cho vay cho vay v\u00e0 nh\u1eefng ng\u01b0\u1eddi klh\u00e1c c\u00f3 li\u00ean quan ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ec1n b\u00f9 to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 vay g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay m\u00e0 x\u00e3 vi\u00ean kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c. N\u1ebfu kh\u00f4ng \u0111\u1ec1n b\u00f9 \u0111\u01b0\u1ee3c, th\u00ec th\u00e0nh vi\u00ean Ban qu\u1ea3n tr\u1ecb v\u00e0 nh\u1eefng ng\u01b0\u1eddi li\u00ean quan \u0111\u1ebfn kho\u1ea3n cho vay ph\u1ea3i b\u1ecb x\u1eed l\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

b. Tr\u00e1ch nhi\u1ec7m c\u1ee7a x\u00e3 vi\u00ean vay v\u1ed1n:<\/p>\n\n\n\n

– Th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y;<\/p>\n\n\n\n

– S\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, ho\u00e0n tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay \u0111\u00fang h\u1ea1n v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c cam k\u1ebft kh\u00e1c trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

III. T\u1ed4 CH\u1ee8C TH\u1ef0C HI\u1ec6N<\/strong><\/a><\/p>\n\n\n\n

1. Tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc:<\/p>\n\n\n\n

a. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam h\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 v\u00e0 x\u1eed l\u00fd c\u00e1c v\u01b0\u1edbng m\u1eafc li\u00ean quan \u0111\u1ebfn ch\u00ednh s\u00e1ch, c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, l\u00e0m c\u01a1 s\u1edf ph\u00e1p l\u00fd cho c\u00e1c h\u1ee3p t\u00e1c x\u00e3 th\u1ef1c hi\u1ec7n. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 v\u00e0 c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc c\u00e1c c\u1ea5p th\u1ef1c hi\u1ec7n vi\u1ec7c gi\u00e1m s\u00e1t, thanh tra, ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9.<\/p>\n\n\n\n

b. U\u1ef7 ban nh\u00e2n d\u00e2n t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng ch\u1ec9 \u0111\u1ea1o c\u00e1c s\u1edf, ban, ng\u00e0nh ch\u1ee9c n\u0103ng h\u01b0\u1edbng d\u1eabn, ki\u1ec3m tra v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c h\u1ee3p t\u00e1c x\u00e3 c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 an to\u00e0n, hi\u1ec7u qu\u1ea3, \u0111\u00fang ph\u00e1p lu\u1eadt;<\/p>\n\n\n\n

c. U\u1ef7 ban nh\u00e2n d\u00e2n huy\u1ec7n, qu\u1eadn, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c t\u1ec9nh n\u01a1i h\u1ee3p t\u00e1c x\u00e3 \u0111\u00f3ng tr\u1ee5 s\u1edf ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m:<\/p>\n\n\n\n

– B\u1ed5 sung ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 trong gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh theo \u0111\u1ec1 ngh\u1ecb c\u1ee7a h\u1ee3p t\u00e1c x\u00e3;<\/p>\n\n\n\n

– H\u01b0\u1edbng d\u1eabn, ki\u1ec3m tra, gi\u00e1m s\u00e1t th\u01b0\u1eddng xuy\u00ean v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi c\u00e1c sai ph\u1ea1m v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 c\u1ee7a c\u00e1c h\u1ee3p t\u00e1c x\u00e3 tr\u00ean \u0111\u1ecba b\u00e0n;<\/p>\n\n\n\n

– G\u1eedi b\u00e1o c\u00e1o t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 tr\u00ean \u0111\u1ecba b\u00e0n cho Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng (theo m\u1eabu ph\u1ee5 l\u1ee5c 03);<\/p>\n\n\n\n

– Hu\u1ef7 b\u1ecf ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 trong ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd kinh doanh khi h\u1ee3p t\u00e1c x\u00e3 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

d. U\u1ef7 ban nh\u00e2n d\u00e2n x\u00e3, ph\u01b0\u1eddng, th\u1ecb tr\u1ea5n h\u1ed7 tr\u1ee3 v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c h\u1ee3p t\u00e1c x\u00e3 th\u1ef1c hi\u1ec7n t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9;<\/p>\n\n\n\n

2. Tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb tr\u1ef1c thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam:<\/p>\n\n\n\n

a. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng c\u00f3 tr\u00e1ch nhi\u1ec7m:<\/p>\n\n\n\n

– Ph\u1ed1i h\u1ee3p v\u1edbi U\u1ef7 ban nh\u00e2n d\u00e2n t\u1ec9nh, qu\u1eadn, huy\u1ec7n, th\u1ecb x\u00e3, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c t\u1ec9nh t\u1ed5 ch\u1ee9c tri\u1ec3n khai th\u1ef1c hi\u1ec7n Th\u00f4ng t\u01b0 n\u00e0y v\u00e0 h\u01b0\u1edbng d\u1eabn (t\u1eadp hu\u1ea5n) nghi\u1ec7p v\u1ee5 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 cho c\u00e1c h\u1ee3p t\u00e1c x\u00e3;<\/p>\n\n\n\n

– Tham m\u01b0u cho c\u1ea5p u\u1ef7 v\u00e0 ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng v\u1ec1 ch\u1ec9 \u0111\u1ea1o ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 b\u1ea3o \u0111\u1ea3m an to\u00e0n, hi\u1ec7u qu\u1ea3;<\/p>\n\n\n\n

– B\u00e1o c\u00e1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (V\u1ee5 C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng h\u1ee3p t\u00e1c) t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 tr\u00ean \u0111\u1ecba b\u00e0n t\u1ec9nh, th\u00e0nh ph\u1ed1 (theo m\u1eabu ph\u1ee5 l\u1ee5c 03);<\/p>\n\n\n\n

– Ti\u1ebfn h\u00e0nh thanh tra ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 c\u1ee7a h\u1ee3p t\u00e1c x\u00e3, n\u1ebfu x\u00e9t th\u1ea5y c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n

b. V\u1ee5 C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng h\u1ee3p t\u00e1c c\u00f3 tr\u00e1ch nhi\u1ec7m :<\/p>\n\n\n\n

– T\u1ed5ng h\u1ee3p v\u00e0 b\u00e1o c\u00e1o Ban l\u00e3nh \u0111\u1ea1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 h\u1ee3p t\u00e1c x\u00e3 c\u1ee7a c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng;<\/p>\n\n\n\n

– Tr\u00ecnh Ban l\u00e3nh \u0111\u1ea1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc x\u1eed l\u00fd c\u00e1c kh\u00f3 kh\u0103n, v\u01b0\u1edbng m\u1eafc v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 theo ki\u1ebfn ngh\u1ecb c\u1ee7a c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n\n\n\n

c. V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh t\u1ec9nh, th\u00e0nh ph\u1ed1 h\u01b0\u1edbng d\u1eabn nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 cho h\u1ee3p t\u00e1c x\u00e3 v\u00e0 tr\u00ecnhTh\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh, s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 n\u00e0y theo ki\u1ebfn ngh\u1ecb c\u1ee7a c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n\n\n\n

3. Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c sau 15 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng C\u00f4ng b\u00e1o.<\/p>\n\n\n\n

4. C\u00e1c h\u1ee3p t\u00e1c x\u00e3, x\u00e3 vi\u00ean vay v\u1ed1n v\u00e0 c\u00e1c c\u01a1 quan, \u0111\u01a1n v\u1ecb n\u00eau t\u1ea1i \u0111i\u1ec3m 1 m\u1ee5c III c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n Th\u00f4ng t\u01b0 n\u00e0y. \u0110\u1ed1i v\u1edbi nh\u1eefng h\u1ee3p t\u00e1c x\u00e3 b\u1eaft \u0111\u1ea7u ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 th\u00ec ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y. Nh\u1eefng h\u1ee3p t\u00e1c x\u00e3 \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9, th\u00ec ph\u1ea3i \u0111\u1ed1i chi\u1ebfu v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 t\u1ea1i Th\u00f4ng t\u01b0 n\u00e0y, n\u1ebfu \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh, th\u00ec ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng; tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u00ec h\u1ee3p t\u00e1c x\u00e3 ph\u1ea3i ch\u1ea5m d\u1ee9t ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9.<\/p>\n\n\n\n

5. Vi\u1ec7c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 n\u00e0y do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n

 <\/td>Ph\u00f9ng Kh\u1eafc K\u1ebf<\/strong>(\u0110\u00e3 k\u00fd)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

M\u1eaaU 01<\/strong><\/a><\/p>\n\n\n\n

C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM
\u0110\u1ed9c l\u1eadp – T\u1ef1 do – H\u1ea1nh ph\u00fac<\/p>\n\n\n\n

GI\u1ea4Y \u0110\u1ec0 NGH\u1eca VAY V\u1ed0N<\/strong><\/a><\/p>\n\n\n\n

K\u00ednh g\u1eedi: Ban qu\u1ea3n tr\u1ecb h\u1ee3p t\u00e1c x\u00e3…………………………………………………….<\/p>\n\n\n\n

1. H\u1ecd v\u00e0 t\u00ean ng\u01b0\u1eddi vay v\u1ed1n:………………………………………………………………<\/p>\n\n\n\n

\u0110\u1ecba ch\u1ec9:………………………………………………………………………………………….<\/p>\n\n\n\n

2. H\u1ecd v\u00e0 t\u00ean ng\u01b0\u1eddi th\u1eeba k\u1ebf:…………….. Quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n:………..<\/p>\n\n\n\n

\u0110\u1ecba ch\u1ec9:………………………………………………………………………………………….<\/p>\n\n\n\n

3. \u0110\u1ec1 ngh\u1ecb HTX cho vay s\u1ed1 ti\u1ec1n:<\/p>\n\n\n\n

B\u1eb1ng s\u1ed1:…………………………………………………………………………………. \u0111\u1ed3ng<\/p>\n\n\n\n

B\u1eb1ng ch\u1eef : ……………………………………………………………………………………..<\/p>\n\n\n\n

4.M\u1ee5c \u0111\u00edch vay v\u1ed1n : ………………………………………………………………………<\/p>\n\n\n\n

…………………………………………………………………………………………………….<\/p>\n\n\n\n

5. Th\u1eddi h\u1ea1n vay: …………………………………………………………… ………………<\/p>\n\n\n\n

6. H\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay (n\u1ebfu c\u00f3):<\/p>\n\n\n\n

T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay g\u1ed3m:<\/p>\n\n\n\n

……………………………………………………………………………………………………..<\/p>\n\n\n\n

……………………………………………………………………………………………………..<\/p>\n\n\n\n

………………………………………………………………………………………………………<\/p>\n\n\n\n

………………………………………………………………………………………………………<\/p>\n\n\n\n

T\u1ed5ng gi\u00e1 tr\u1ecb………………………………………………………………………………. \u0111\u1ed3ng<\/p>\n\n\n\n

Ch\u00fang t\u00f4i cam k\u1ebft s\u1eed d\u1ee5ng ti\u1ec1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u00fang h\u1ea1n, ch\u1ea5p h\u00e0nh c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 c\u1ee7a HTX v\u1ec1 vi\u1ec7c vay v\u1ed1n.<\/p>\n\n\n\n

Ng\u01b0\u1eddi th\u1eeba k\u1ebf
K\u00fd, ghi r\u00f5 h\u1ecd, t\u00ean<\/td>		….., ng\u00e0y th\u00e1ng n\u0103m 200
Ng\u01b0\u1eddi vay
K\u00fd, ghi r\u00f5 h\u1ecd, t\u00ean<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

M\u1eaaU 02<\/strong><\/a><\/p>\n\n\n\n

C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM
\u0110\u1ed9c l\u1eadp – T\u1ef1 do – H\u1ea1nh ph\u00fac<\/p>\n\n\n\n

H\u1ee2P \u0110\u1ed2NG T\u00cdN D\u1ee4NG<\/strong><\/a><\/p>\n\n\n\n

S\u1ed1:………….. \/H\u0110TD<\/p>\n\n\n\n

– C\u0103n c\u1ee9 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u01b0\u1edbc C\u1ed9ng ho\u00e0 x\u00e3 h\u1ed9i ch\u1ee7 ngh\u0129a Vi\u1ec7t Nam;<\/em><\/p>\n\n\n\n

– C\u0103n c\u1ee9 Lu\u1eadt H\u1ee3p t\u00e1c x\u00e3;<\/em><\/p>\n\n\n\n

– C\u0103n c\u1ee9 quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 t\u00edn d\u1ee5ng n\u1ed9i b\u1ed9 HTX;<\/em><\/p>\n\n\n\n

– C\u0103n c\u1ee9 gi\u1ea5y \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n c\u1ee7a x\u00e3 vi\u00ean HTX,<\/em><\/p>\n\n\n\n

H\u00f4m nay, ng\u00e0y… th\u00e1ng… n\u0103m 20… t\u1ea1i tr\u1ee5 s\u1edf H\u1ee3p t\u00e1c x\u00e3…. , ch\u00fang t\u00f4i g\u1ed3m:<\/p>\n\n\n\n

B\u00caN CHO VAY (B\u00caN A)<\/strong><\/p>\n\n\n\n

– H\u1ee3p t\u00e1c x\u00e3………………………………. Tr\u1ee5 s\u1edf t\u1ea1i:……………………………………<\/p>\n\n\n\n

– \u0110\u1ea1i di\u1ec7n:………………………………… Ch\u1ee9c v\u1ee5:……………………………………..<\/p>\n\n\n\n

B\u00caN \u0110I VAY (B\u00caN B)<\/strong><\/p>\n\n\n\n

– H\u1ecd v\u00e0 t\u00ean ng\u01b0\u1eddi vay v\u1ed1n (ho\u1eb7c \u0111\u1ea1i di\u1ec7n ph\u00e1p nh\u00e2n vay v\u1ed1n):…………………..<\/p>\n\n\n\n

– S\u1ed1 th\u1ebb x\u00e3 vi\u00ean HTX: ………………………………………………………………………….<\/p>\n\n\n\n

– H\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa (ho\u1eb7c \u0111\u1ecba ch\u1ec9 c\u1ee7a t\u1ed5 ch\u1ee9c): …………………………………….<\/p>\n\n\n\n

– S\u1ed1 CMND:…………………. Ng\u00e0y c\u1ea5p:………………. N\u01a1i c\u1ea5p: ……………………..<\/p>\n\n\n\n

– H\u1ecd v\u00e0 t\u00ean ng\u01b0\u1eddi th\u1eeba k\u1ebf:………………….. Quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n:……….<\/p>\n\n\n\n

– N\u01a1i c\u01b0 tr\u00fa:……………………………………………………………………………………….<\/p>\n\n\n\n

Hai b\u00ean tho\u1ea3 thu\u1eadn v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n sau:<\/strong><\/p>\n\n\n\n

\u0110i\u1ec1u 1.<\/strong> B\u00ean A \u0111\u1ed3ng \u00fd cho b\u00ean B vay:<\/p>\n\n\n\n

1. S\u1ed1 ti\u1ec1n cho vay: + B\u1eb1ng s\u1ed1: ………………………………. \u0111\u1ed3ng<\/p>\n\n\n\n

+ B\u1eb1ng ch\u1eef:………………………………<\/p>\n\n\n\n

2. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng ti\u1ec1n vay:…………………………………………………………….<\/p>\n\n\n\n

3. Th\u1eddi h\u1ea1n cho vay:………… th\u00e1ng, t\u1eeb ng\u00e0y………… \u0111\u1ebfn ng\u00e0y …………….<\/p>\n\n\n\n

4. L\u00e3i su\u1ea5t ti\u1ec1n vay l\u00e0:……….. %\/th\u00e1ng;<\/p>\n\n\n\n

– L\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n: ……………. %\/th\u00e1ng;<\/p>\n\n\n\n

5. K\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3: S\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c \u0111\u01b0\u1ee3c chia l\u00e0m c\u00e1c k\u1ef3 h\u1ea1n sau:<\/p>\n\n\n\n

Ng\u00e0y, th\u00e1ng, n\u0103m<\/strong><\/td>S\u1ed1 ti\u1ec1n<\/strong><\/td><\/tr>
 <\/td> <\/td><\/tr>
 <\/td> <\/td><\/tr>
 <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\u0110i\u1ec1u 2.<\/strong> \u0110i\u1ec1u ki\u1ec7n nh\u1eadn ti\u1ec1n vay<\/p>\n\n\n\n

– B\u00ean B ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n vay d\u00f9ng v\u00e0o m\u1ee5c \u0111\u00edch ghi t\u1ea1i \u0110i\u1ec1u 1 c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/p>\n\n\n\n

– B\u00ean B ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n vay sau khi th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay theo ph\u1ee5 l\u1ee5c c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y v\u00e0 \u0111\u01b0\u1ee3c b\u00ean A ch\u1ea5p thu\u1eadn, n\u1ebfu kho\u1ea3n vay ph\u1ea3i b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

\u0110i\u1ec1u 3.<\/strong> Quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean A<\/p>\n\n\n\n

1. Quy\u1ec1n c\u1ee7a b\u00ean A:<\/p>\n\n\n\n

– Y\u00eau c\u1ea7u b\u00ean B cung c\u1ea5p k\u1ecbp th\u1eddi, ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u, th\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 tr\u01b0\u1edbc khi cho vay.<\/p>\n\n\n\n

– T\u1eeb ch\u1ed1i ph\u00e1t ti\u1ec1n vay khi b\u00ean B kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00eau t\u1ea1i \u0111i\u1ec1u 2 c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/p>\n\n\n\n

– Ki\u1ec3m tra, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh vay v\u1ed1n, s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean B. Trong qu\u00e1 tr\u00ecnh ki\u1ec3m tra, n\u1ebfu ph\u00e1t hi\u1ec7n th\u1ea5y b\u00ean B vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng n\u00e0y th\u00ec c\u00f3 quy\u1ec1n x\u1eed l\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

– Ch\u1ea5m d\u1ee9t vi\u1ec7c cho vay, thu h\u1ed3i n\u1ee3 tr\u01b0\u1edbc h\u1ea1n khi ph\u00e1t hi\u1ec7n b\u00ean B cung c\u1ea5p th\u00f4ng tin sai s\u1ef1 th\u1eadt, s\u1eed d\u1ee5ng v\u1ed1n sai m\u1ee5c \u0111\u00edch, vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

– Tr\u01b0\u1eddng h\u1ee3p b\u00ean B kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u1ebfn h\u1ea1n, n\u1ebfu hai b\u00ean kh\u00f4ng c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c, th\u00ec b\u00ean A \u0111\u01b0\u1ee3c quy\u1ec1n t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n to\u00e0n b\u1ed9 s\u1ed1 d\u01b0 n\u1ee3 c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay sang n\u1ee3 qu\u00e1 h\u1ea1n, \u0111\u1ed3ng th\u1eddi ti\u1ebfn h\u00e0nh c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 thu h\u1ed3i n\u1ee3 theo tho\u1ea3 thu\u1eadn.<\/p>\n\n\n\n

– Khi\u1ebfu n\u1ea1i, kh\u1edfi ki\u1ec7n khi b\u00ean B vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

2. Ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean A: Th\u1ef1c hi\u1ec7n \u0111\u00fang tho\u1ea3 thu\u1eadn \u0111\u00e3 ghi trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

\u0110i\u1ec1u 4.<\/strong> Quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean B<\/p>\n\n\n\n

1. Quy\u1ec1n c\u1ee7a b\u00ean B:<\/p>\n\n\n\n

– T\u1eeb ch\u1ed1i c\u00e1c y\u00eau c\u1ea7u c\u1ee7a b\u00ean A kh\u00f4ng \u0111\u00fang v\u1edbi th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

– Khi\u1ebfu n\u1ea1i, kh\u1edfi ki\u1ec7n vi\u1ec7c vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

2. Ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean B:<\/p>\n\n\n\n

– Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, trung th\u1ef1c c\u00e1c th\u00f4ng tin, t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c th\u00f4ng tin, t\u00e0i li\u1ec7u \u0111\u00e3 cung c\u1ea5p; t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 b\u00ean A theo d\u00f5i, ki\u1ec3m tra qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n

– S\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c n\u1ed9i dung \u0111\u00e3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng n\u00e0y v\u00e0 c\u00e1c cam k\u1ebft kh\u00e1c (n\u1ebfu c\u00f3).<\/p>\n\n\n\n

– Tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i v\u1ed1n vay theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/p>\n\n\n\n

– Ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt khi kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang nh\u1eefng th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

– Tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 thay \u0111\u1ed5i ng\u01b0\u1eddi \u0111i vay ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n h\u1ee3p ph\u00e1p tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 cam k\u1ebft, th\u00ec ng\u01b0\u1eddi th\u1eeba k\u1ebf ho\u1eb7c ng\u01b0\u1eddi k\u1ebf nhi\u1ec7m c\u00f3 tr\u00e1ch nhi\u1ec7m k\u1ebf th\u1eeba to\u00e0n b\u1ed9 kho\u1ea3n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay c\u00f9ng nh\u1eefng cam k\u1ebft m\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n h\u1ee3p ph\u00e1p tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 cam k\u1ebft.<\/p>\n\n\n\n

– Ch\u1ea5p h\u00e0nh c\u00e1c quy\u1ebft \u0111\u1ecbnh x\u1eed l\u00fd c\u1ee7a b\u00ean A, khi b\u00ean B kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang nh\u1eefng tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

\u0110i\u1ec1u 5.<\/strong> Nh\u1eefng \u0111i\u1ec1u kho\u1ea3n chung<\/p>\n\n\n\n

– Hai b\u00ean cam k\u1ebft th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ghi trong h\u1ee3p \u0111\u1ed3ng n\u00e0y v\u00e0 nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan.<\/p>\n\n\n\n

– Tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tranh ch\u1ea5p, hai b\u00ean t\u1ef1 gi\u1ea3i quy\u1ebft b\u1eb1ng th\u01b0\u01a1ng l\u01b0\u1ee3ng. N\u1ebfu kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c, s\u1ebd \u0111\u01b0a ra c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ee7a Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

\u0110i\u1ec1u 6.<\/strong> Hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/p>\n\n\n\n

– H\u1ee3p \u0111\u1ed3ng n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y k\u00fd cho \u0111\u1ebfn khi b\u00ean B thanh to\u00e1n cho b\u00ean A \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ti\u1ec1n vay ho\u1eb7c thay th\u1ebf b\u1eb1ng h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00e1c.<\/p>\n\n\n\n

– H\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh 02 b\u1ea3n, c\u00f3 gi\u00e1 tr\u1ecb ngang nhau, m\u1ed7i b\u00ean gi\u1eef 01 b\u1ea3n.<\/p>\n\n\n\n

B\u00ean B<\/strong>
K\u00fd, ghi r\u00f5 h\u1ecd, t\u00ean v\u00e0 \u0111\u00f3ng d\u1ea5u (n\u1ebfu c\u00f3)<\/td>		B\u00ean A
K\u00fd, ghi r\u00f5 h\u1ecd, t\u00ean v\u00e0 \u0111\u00f3ng d\u1ea5u (n\u1ebfu c\u00f3)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PH\u1ee4 L\u1ee4C<\/strong><\/a><\/strong><\/p>\n\n\n\n

H\u1ee2P \u0110\u1ed2NG 01<\/strong><\/a><\/p>\n\n\n\n

(K\u00e8m theo H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ed1 ng\u00e0y \/ \/ )<\/p>\n\n\n\n

1. Ph\u1ea7n theo d\u00f5i nh\u1eadn ti\u1ec1n vay v\u00e0 tr\u1ea3 n\u1ee3:<\/strong><\/p>\n\n\n\n

Ng\u00e0y th\u00e1ng n\u0103m<\/td>S\u1ed1 ch\u1ee9ngt\u1eeb<\/td>S\u1ed1 ti\u1ec1n vay<\/td>Ch\u1eef k\u00fd ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n<\/td>S\u1ed1 ti\u1ec1n tr\u1ea3 n\u1ee3<\/td>Ch\u1eef k\u00fd ng\u01b0\u1eddi thu n\u1ee3<\/td>D\u01b0 n\u1ee3 trong h\u1ea1n<\/td>S\u1ed1 ti\u1ec1n chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n<\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td>G\u1ed1c<\/td>L\u00e3i<\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

2. Ph\u1ea7n theo d\u00f5i gia h\u1ea1n n\u1ee3\/ \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3:<\/strong><\/p>\n\n\n\n

– Gia h\u1ea1n n\u1ee3 s\u1ed1 ti\u1ec1n: ………………………………………….. \u0111\u1ed3ng \u0111\u1ebfn ng\u00e0y …. \/…… \/ …<\/p>\n\n\n\n

– \u0110i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3:<\/p>\n\n\n\n

K\u1ef3 1: \u0110\u1ebfn ng\u00e0y …. \/ …. \/…. S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3:……………………….. \u0111\u1ed3ng<\/p>\n\n\n\n

K\u1ef3 2: \u0110\u1ebfn ng\u00e0y …. \/ …. \/…. S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3:……………………….. \u0111\u1ed3ng<\/p>\n\n\n\n

K\u1ef3 3: \u0110\u1ebfn ng\u00e0y …. \/ …. \/…. S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3:……………………….. \u0111\u1ed3ng<\/p>\n\n\n\n

3. Ph\u1ea7n theo d\u00f5i n\u1ee3 qu\u00e1 h\u1ea1n:<\/strong><\/p>\n\n\n\n

Ng\u00e0y th\u00e1ng n\u0103m<\/td>S\u1ed1 ch\u1ee9ng t\u1eeb<\/td>S\u1ed1 ti\u1ec1n chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n<\/td>S\u1ed1 ti\u1ec1n tr\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n<\/td>Ch\u1eef k\u00fd ng\u01b0\u1eddi thu n\u1ee3<\/td>D\u01b0 n\u1ee3 qu\u00e1 h\u1ea1n<\/td><\/tr>
 <\/td> <\/td> <\/td>G\u1ed1c<\/td>L\u00e3i<\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

4. Ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n ng\u00e0y:<\/strong><\/p>\n\n\n\n

PH\u1ee4 L\u1ee4C<\/strong><\/a><\/strong><\/p>\n\n\n\n

H\u1ee2P \u0110\u1ed2NG 02<\/strong><\/a><\/p>\n\n\n\n

(K\u00e8m theo H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ed1 ng\u00e0y \/ \/ )<\/p>\n\n\n\n

1. H\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay:<\/strong><\/p>\n\n\n\n

– B\u00ean B d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 cho HTX …………………………………… \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 ti\u1ec1n vay, g\u1ed3m c\u00f3:<\/p>\n\n\n\n

STT<\/td>T\u00ean t\u00e0i s\u1ea3n th\u1ebf ch\u00e2p, c\u1ea7m c\u1ed1<\/td>Lo\u1ea1i t\u00e0i s\u1ea3n<\/td>S\u1ed1 l\u01b0\u1ee3ng<\/td>Gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1<\/td><\/tr>
01<\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
02<\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
…<\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td>C\u1ed9ng<\/td> <\/td> <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

– T\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay: ………………………………………. \u0111\u1ed3ng.<\/p>\n\n\n\n

2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1:<\/strong><\/p>\n\n\n\n

– \u0110\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 ho\u1eb7c do vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd k\u1ebft bu\u1ed9c ph\u1ea3i tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n, b\u00ean vay v\u1ed1n kh\u00f4ng c\u00f3 ngu\u1ed3n thu b\u1eb1ng ti\u1ec1n \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/p>\n\n\n\n

– Khi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1 c\u00f3 nguy c\u01a1 b\u1ecb m\u1ea5t, h\u01b0 h\u1ecfng.<\/p>\n\n\n\n

3. H\u00ecnh th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay:<\/strong> Tr\u01b0\u1eddng h\u1ee3p \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 m\u00e0 b\u00ean B kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec b\u00ean A s\u1ebd ti\u1ebfn h\u00e0nh x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay theo ph\u01b0\u01a1ng th\u1ee9c b\u00e1n, u\u1ef7 quy\u1ec1n b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng…..<\/p>\n\n\n\n

4. Ph\u1ee5 l\u1ee5c h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n ng\u00e0y:<\/strong><\/p>\n\n\n\n

1. UBND huy\u00d6n, qu\u00cbn, th\u00de x\u00b7, th\u00b5nh ph\u00e8 tr\u00f9c thu\u00e9c t\u00d8nh g\u00f6i NHNN chi nh\u00b8nh t\u00d8nh, th\u00b5nh ph\u00e8 tr\u00f9c thu\u00e9c<\/p>\n\n\n\n

Trung \u00ad\u00acng tr\u00ad\u00edc ng\u00b5y 30\/7 \u00ae\u00e8i v\u00edi b\u00b8o c\u00b8o 6 th\u00b8ng \u00ae\u00c7u n\u00a8m v\u00b5 tr\u00ad\u00edc ng\u00b5y 15\/2 \u00ae\u00e8i v\u00edi b\u00b8o c\u00b8o c\u00b6 n\u00a8m.<\/p>\n\n\n\n

2. NHNN chi nh\u00b8nh t\u00d8nh, th\u00b5nh ph\u00e8 tr\u00f9c thu\u00e9c TW g\u00f6i NHNN Vi\u00d6t Nam (V\u00f4 C\u00b8c t\u00e6 ch\u00f8c t\u00ddn d\u00f4ng h\u00eep t\u00b8c)<\/p>\n\n\n\n

tr\u00ad\u00edc ng\u00b5y 15\/8 \u00ae\u00e8i v\u00edi b\u00b8o c\u00b8 6 th\u00b8ng \u00ae\u00c7u n\u00a8m v\u00b5 tr\u00ad\u00edc ng\u00b5y 28\/2 \u00ae\u00e8i v\u00edi b\u00b8o c\u00b8o c\u00b6 n\u00a8m.<\/p>\n\n\n\n

M\u1eaaU S\u1ed0 3<\/strong><\/a><\/p>\n\n\n\n

B\u00c1O C\u00c1O T\u00ccNH H\u00ccNH HO\u1ea0T \u0110\u1ed8NG T\u00cdN D\u1ee4NG N\u1ed8I B\u1ed8 H\u1ee2P T\u00c1C X\u00c3<\/a>
(6 th\u00e1ng \u0111\u1ea7u n\u0103m ho\u1eb7c c\u1ea3 n\u0103m)<\/p>\n\n\n\n

STT<\/td>Lo\u1ea1i h\u00ecnh HTX<\/td>Ngu\u1ed3n v\u1ed1n s\u1eed d\u1ee5ng
H\u0110TD n\u1ed9i b\u1ed9<\/td>		D\u1ef1 n\u01a1 vay \u0111\u1ebfn….<\/td>Doanh s\u1ed1 cho vay trong k\u1ef3<\/td>Doanh s\u1ed1 thu n\u1ee3 trong k\u1ef3<\/td>S\u1ed1 h\u1ed9 c\u00f2n d\u01b0 n\u1ee3<\/td>Ghi ch\u00fa<\/td><\/tr>
 <\/td> <\/td>T\u1ed5ng s\u1ed1<\/td>Trong \u0111\u00f3<\/td>T\u1ed5ng d\u01b0 n\u1ee3<\/td>Trong \u0111\u00f3<\/td>T\u1ef7 l\u1ec7 n\u1ee3 qu\u00e1 h\u1ea1n<\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td> <\/td> <\/td>V\u1ed1n \u0111i\u1ec1u l\u1ec7<\/td>V\u1ed1n huy \u0111\u1ed9ng c\u1ee7a x\u00e3 vi\u00ean<\/td> <\/td>Ng\u1eafn h\u1ea1n<\/td>Trung h\u1ea1n<\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
A<\/td>1<\/td>2<\/td>3<\/td>4<\/td>5<\/td>6<\/td>7<\/td>8<\/td>9<\/td>10<\/td>11<\/td>12<\/td><\/tr>
1<\/td>HTX N\u00f4ng nghi\u1ec7p<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
2<\/td>HTX Th\u1ee7y s\u1ea3n<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
3<\/td>HTX Ti\u1ec3u th\u1ee7 c\u00f4ng nghi\u1ec7p<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
4<\/td>HTX X\u00e2y d\u1ef1ng<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
5<\/td>HTX Giao th\u00f4ng v\u1eadn t\u1ea3i<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
6<\/td>HTX Th\u01b0\u01a1ng m\u1ea1i, d\u1ecbch v\u1ee5<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
7<\/td>HTX kh\u00e1c<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr>
 <\/td>T\u1ed5ng c\u1ed9ng<\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Ng\u01b0\u1eddi l\u1eadp bi\u1ec3u<\/p>\n\n\n\n

….., ng\u00e0y…. th\u00e1ng…. n\u0103m 200…<\/p>\n\n\n\n

Th\u1ee7 tr\u01b0\u1edfng \u0111\u01a1n v\u1ecb<\/p>\n","protected":false},"excerpt":{"rendered":"

Th\u00e1ng B\u1ea3y 31, 2020 at 9:16 SA \u2014 lotusvina NG\u00c2N H\u00c0NG NH\u00c0 N\u01af\u1edaC******** C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM\u0110\u1ed9c l\u1eadp – T\u1ef1 do – H\u1ea1nh ph\u00fac******** S\u1ed1: 06\/2004\/TT-NHNN H\u00e0 N\u1ed9i, ng\u00e0y 27 th\u00e1ng 9 n\u0103m 2004 TH\u00d4NG T\u01af C\u1ee6A NG\u00c2N H\u00c0NG NH\u00c0 N\u01af\u1edaC VI\u1ec6T NAM S\u1ed0 06\/2004\/TT-NHNN NG\u00c0Y 27 TH\u00c1NG 9 N\u0102M 2004 H\u01af\u1edaNG D\u1eaaN … <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6,10,9],"tags":[25,24],"class_list":["post-122","post","type-post","status-publish","format-standard","hentry","category-ban-tin-hop-tac-xa","category-quan-tri-hop-tac-xa","category-quan-tri-tai-chinh","tag-dich-vu-htx-tin-dung","tag-tin-dung-noi-bo-htx","grid-sizer"],"_links":{"self":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":1,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/122\/revisions"}],"predecessor-version":[{"id":123,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/posts\/122\/revisions\/123"}],"wp:attachment":[{"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/media?parent=122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/categories?post=122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kthtx.vn\/index.php\/wp-json\/wp\/v2\/tags?post=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}