7/25/2019 QD 127 2005 NHNN

1/3

VNPHNG QUCHI CSDLIULUTVITNAMLAWDATA

QUYTNH

C A T H N G C NGN HNG NH N C S 127 /2005 /Q -NHNNNGY 03 THNG 2 N M 2005 V VI C S A I , B SUNG M T S I U C A QUY CH CHO VAY C A T C H C TN D N G I V I

KHCH HNG BAN HNH THEO Q U Y T NH S 1627 /2001 /Q -NHNNNGY 31 /12 /2001 CA TH N G C NGN HNG NH N C

THNG C NGN HNG NH N C

- Cn cLut Ngn hng Nh nc Vit Nam s01/1997/QH10 ngy 12 thng12 nm 1997 v Lut Sa i, bsung mt siu ca Lut Ngn hng Nh ncVit Nam s10/2003/QH11 ngy 17 thng 6 nm 2003;

- Cn cLut Cc tchc tn dng s02/1997/QH10 ngy 12 thng 12 nm1997, Lut Sa i, b sung mt s iu ca Lut Cc t chc tn dng s20/2004/QH11 ngy 15 thng 6 nm 2004;

- Cn cNghnh s86/2002/N-CP ngy 05 thng 11 nm 2002 ca Chnhphquy nh chc nng, nhim v, quyn hn v c cu t chc ca b, cquanngang b;

- Cn cNghnh s52/2003/N-CP ngy 19 thng 5 nm 2003 ca Chnhphquy nh chc nng, nhim v, quyn hn v ccu tchc ca Ngn hng Nhnc Vit Nam;

- Theo nghca Vtrng VChnh sch tin t,

QUYT NH:

iu 1. Sa i, bsung mt siu ca Quy chcho vay ca tchc tndng i vi khch hng ban hnh theo Quyt nh s1627/2001/Q-NHNN ngy31/12/2001 ca Thng c Ngn hng Nh nc nhsau:

1. Khon 2 iu 2 c sa i, bsung nhsau:

2. Khch hng vay ti tchc tn dng l cc tchc, c nhn Vit Nam v

nc ngoi c nhu cu vay vn, c khnng trn thc hin cc dn u t,phng n sn xut, kinh doanh, dch vhoc dn u t, phng n phc visng trong nc v nc ngoi. Trng hp khch hng vay vn thc hin ccdn u t, phng n sn xut, kinh doanh, dch vnc ngoi, Ngn hng Nhnc Vit Nam c quy nh ring..

2. Khon 4 v 5 iu 3 c sa i, bsung nhsau:

4. Ccu li thi hn trnl vic tchc tn dng iu chnh khn trn,gia hn nvay i vi cc khon nvay ca khch hng theo hai phng thc sau:

a) iu chnh khn trnl vic tchc tn dng chp thun thay i khn

trngc v/hoc li vn vay trong phm vi thi hn cho vay thothun trc trong hp ng tn dng, m khn trncui cng khng thay i.

7/25/2019 QD 127 2005 NHNN

2/3

2

b) Gia hn nvay l vic tchc tn dng chp thun ko di thm mt khongthi gian tr n gc v/hoc li vn vay, vt qu thi hn cho vay tho thuntrc trong hp ng tn dng..

3. Khon 6 iu 3 c sa i, bsung nhsau:

6. Dn u t, phng n sn xut, kinh doanh, dch vhoc dn u t,phng n phc vi sng m khch hng gi n tchc tn dng l mt tp hpnhng xut; trong c nhu cu vn, vay vn, cch thc sdng vn v cch thctrnvay trong mt khong thi gian xc nh..

4. Khon 2 iu 13 c sa i, bsung nhsau:

2. i vi khon nvay khng trnng hn, c tchc tn dng nhgi l khng c khnng trnng hn v khng chp thun cho ccu li thi hntrn, th sdngc ca hp ng tn dng l nqu hn v tchc tn dngthc hin cc bin php thu hi n; vic pht chm tri vi nqu hn v nlivn vay do hai bn tho thun trn csquy nh ca php lut. Tchc tn dng

phn loi ton bsdngc ca khch hng vay c nqu hn vo ti khon chovay thch hp theo quy nh ca Ngn hng Nh nc Vit Nam..

5. iu 21 c sa i nhsau:

iu 21. Kim tra, gim st vn vay

1. Tchc tn dng c trch nhim v c quyn kim tra, gim st qu trnh vayvn, sdng vn vay v trnca khch hng.

2. Tchc tn dng xy dng quy trnh v thc hin kim tra, gim st qu trnhvay vn, sdng vn vay v trnca khch hng ph hp vi c im hot ngca tchc tn dng v tnh cht ca khon vay, nhm bo m hiu quv khnng

thu hi vn vay; gi quy trnh kim tra gim st vn vay ca khch hng cho Thanhtra Ngn hng Nh nc.

6. iu 22 c sa i nhsau:

iu 22. Ccu li thi hn trn

1. Cc tchc tn dng tquyt nh vic ccu li thi hn trn, trn cskhnng ti chnh ca mnh v kt qunh gi khnng trnca khch hng vay.Ton bsdnvay gc ca khch hng c khon nccu li thi hn trnccoi l nqu hn v phn loi vo cc nhm ntnhm 2 n nhm 5 theo quy nhvphn loi nca Ngn hng Nh nc Vit Nam:

a) Khch hng khng c khnng trnng khn ngc v/hoc li vnvay trong phm vi thi hn cho vay thothun trong hp ng tn dng v tchctn dng nh gi l c khnng trntrong cc khn tip theo, th tchc tn dngxem xt iu chnh khn trngc v/hoc li vn vay. Ton bsdnvay gcca khch hng ny c phn loi vo cc nhm ntnhm 2 n nhm 4.

b) Khch hng khng c khnng trht ngc v/hoc li vn vay ng thihn cho vay thothun trong hp ng tn dng v c tchc tn dng nh gil c khnng trntrong mt khong thi gian nht nh sau thi hn cho vay, th tchc tn dng xem xt cho gia hn n vi thi hn ph hp vi ngun tr n cakhch hng. Ton bsdnvay gc ca khch hng ny c phn loi vo ccnhm ntnhm 3 n nhm 5.

7/25/2019 QD 127 2005 NHNN

3/3

3

2. Cc tchc tn dng phi ban hnh quy nh vccu li thi hn trnphhp vi quy nh ca Ngn hng Nh nc Vit Nam; vic phn cp, uquyn chocc Chi nhnh ca mnh quyt nh vic ccu li thi hn trnphi bo m Hischnh nm c kp thi, y v chnh xc cc khon nc ccu li thihn trntrong ton hthng. Cc tchc tn dng phi gi quy nh vccu li

thi hn trncho Thanh tra Ngn hng Nh nc ngay sau khi ban hnh.3. i vi cc khon nvay c c cu li thi hn tr n, cc t chc tn

dng phi bo co theo quy nh ca Ngn hng Nh nc Vit Nam vchboco thng k p dng i vi tchc tn dng..

7. Khon 1 iu 23 c sa i nhsau:

1. Khch hng vay btn tht vti sn dn n kh khn vti chnh;.

iu 2. Cm tphp nhn ti iu 7 v iu 10 Quy chcho vay ca tchc tn dng i vi khch hng ban hnh theo Quyt nh s1627/2001/Q-NHNNngy 31/12/2001 ca Thng c Ngn hng Nh nc c thay bng cm t tchc.

iu 3. nh k, cc tchc tn dng cn cvo tnh trng trnvay, ktqunh gi hot ng kinh doanh, khnng ti chnh v trnca khch hng vayphn loi n vay ca khch hng theo quy nh ca Ngn hng Nh nc Vit

Nam vphn loi n, trch lp v sdng dphng xl ri ro trong hot ngngn hng ca tchc tn dng.

iu 4. Quyt nh ny c hiu lc thi hnh sau mi lm ngy ktngyng Cng bo. Bi bquy nh ti cc vn bn: Quyt nh s688/2002/Q-NHNNngy 1/7/2002 ca Thng c Ngn hng Nh nc vvic thc hin chuyn nquhn cc khon n vay ca khch hng ti cc t chc tn dng; cng vn s405/NHNN-CSTT ngy 16/4/2002 vvic hng dn thc hin quy nh vchuynnqu hn; cng vn s950/NHNN-CSTT ngy 3/9/2002 vchuyn nqu hn ivi trng hp chm trngc, li vn vay; cng vn s1140/NHNN-CSTT ngy29/9/2003 vvic p dng li sut nqu hn v thi im tnh li nqu hn; ccquy nh khc tri vi Quyt nh ny.

iu 5. Th trng cc n v thuc Ngn hng Nh nc, Gim c chinhnh cc tnh, thnh ph trc thuc Trung ng; Hi ng qun trv Tng gimc (Gim c) cc tchc tn dng chu trch nhim thi hnh Quyt nh ny.