CONG HOA XA HOI CHU NGHiA VJ¥T NAMDQc l~p M Tl]' do - H~nh phuc

Ha N6i, ngay Jr thang 9 nam 2016

NGANHANGCHiNH SACH xA HOI

S6: J115 INHCSMKTNBv~viec kiem tra, giam sat hoat

de>nguy thac cho yay

HUONGDANQUY TRINH, PHUONG PHAP KIEM TRA

GIAM sAT HOi). T DQNG NH~N uY THAC CHO VAY

I. MVC otca,D(H TUQNG KIEM TRA GIAM sAT1. Myc dich:

. - Nham ti€p tuc dua hoat dQng uy thac cho yay h(>ngheo va cac d6i nrongchinh sach khac thong qua T6 chirc chinh tri xii hoi (sau day goi chung la HQi doanth8) cac ccipdi van n8 nep, hieu qua, thea dung quy dinh dii ky voi Ngan hang; phathien va ngan ngira kip thoi nhimg tan tai, thieu sot trong qua trinh thuc hien nhan uythac cho vay, bao toan v6n va tai san cho Nha nuoc;

- Hu6ng din, he>tro nghiep vu cho can bQ H9i, doan th8, Ban qUID ly T6TK&VV trong hoat dong uy thac, dam bao tuan thu ch€ dQ, nguyen t~c, quy trinhnghiep V1,l uy thac thea nQi dung cac van ban lien tich, hgp dang uy thac, hgp danguy nhi~m cia ky v6i Ngan hang Chinh sach xii hQi (NHCSXH).

2. D8i hrQ'llg ki~m tra' ghlm sat:- Cac c~p HQi: tinh, huy~n, xa.- T6 Ti€t ki~m va vay v6n (TK&VV).- HQ ngheo va cac d6i tuQllg chinh sach khac la t6 vien t6 TK&VV dang yay

v6n t~i NHCSXH ho~c co tham gia gUi ti8n thong qua t6 TK&VV.II. NGUYEN TAc KIEM TRA GIAM SAT- Thvc hi~n theo dung k€ ho~h, yeu cAudii xac dinh.- f)Qc l~p, khach quan, trung th\lC trong ph~ vi quy8n h~ va trach nhi~m

duqc giao.- Bam bao tinh hgp phap, hQ'P l~, r6 rang, chinh xac, co dm Cll trong vi~c

danh gia, k8t lu~n, ki€n nghi sau ki8m tra giam sat.III.NHItMVl}, QUYEN~, mACHNHItMciJAOOAN:KIEM TRA1. Nhi~m V1}:

- Th\lc hi~n dUng nguyen t~c, n9i dung, ph~m vi va d6i tUQllgki€m tra, giamsat thea k8 ho~ch (d€ cucmg) d8 ra.

-. Chiu trach nhi~m truac lanh d~o (Thu truOng dcm vi) v8 ho~t dQng va k8tqua kiem tra giam sat cua doan.

- Th\1c hi¢n dfty du qui trinh ki8m tra, giam sat.

2. Quy~n han:- Duoc yeu cau dan vi diroc ki~m tra bao cao, cung c<lpcac Uti lieu, s6 sach,

van ban, chirng nr ... lien quan d@nn9i dung kiem tra giam sat.- Dtroc yeu d.u dan vi diroc ki~m tra b6 tri Hunviec voi Doan kiem tra, Ngan

hang, Chinh quyen ... cung c<lpd~d6i chieu thong tin, s5 lieu trong tnrong hop can thi~t.IV. QUY TRiNH KIEM TRA1. Xay dung k~ hoach kiSm tra, giam sat trinh lanh dao phe duyet va giri kS

hoach cho cac dan vi diroc kiern tra, giam sat.2. Chu§n bi Uti lieu va cac van ban lien quan dSn n9i dung kiem tra, giam sat

thea k€ hoach kiem tra giam sat.3. Trinh tt,r ki~m tra giam sat3.1. Dan vi diroc kiSm tra, giam sat bao cao tinh hinh, cung c<lph6 so, tai li~u

co lien quan dSn noi dung kiem tra giam sat thea kS hoach.3.2. Tnrong dean kiSm tra, giam sat phan cong nhiem V\l Cl,l th~ cho tung

thanh vien trong doan.3.3. TiSn hanh kiSm tra, phan tich tinh hinh ho~t d<)ngcua dan vj thong qua

hb so, tm li~u do dan vi duqc ki€m tra giam sat cung c<lp.3.4. l111,IC hi~n kiSm tra, giam sat t~ H<)i doan thS c<lptinh, huy~n, xa, t6

TK&VV, khach hang vay v5n.3.5. T~p hQ'Pbao cao kSt qua ki~m tra, giam sat tU cac thanh vien trong doan

(theo Sl,1phan cong clla truOng dean).3.6. L~p dl,1thao bien ban ki~m tra, giam sat (bao cao kiSm tra giam sat) cua

doan (theo biSu mau): Bien ban phai phan 8.nh thl,1ctr~g ho~t d<)ngclla dan vi theadS cuang kiSm tra; danh gia nhfrng m~t da lam duqc; nhiing kho khan, t6n t~i;nguyen nhan; kiSn ngh! dan vi duqc kiSm tra, giam sat vS vi~c chinh sua tbn t~i, saisot va thai h~ bao cao kSt qua chinh sua.

3;7. Thong qua bien ban ki~m tra, giam sat, nSu dan vj duqc ki~m ,tra ~iam s~tc6 y kien giai tri~ khac v?,i ~~ xet, danh ~ia cua doan thi thao lu~ de thong nhatnhiing n9i dung can sua doi, bo sung, thay doi nh~ xet, danh gia.

Bien ban ki€m tra, giam sat phai co y kiSn, chu ky xac nh~ clla lanh d~o danvi duqc ki~m tra, giam sat va TruOng doan ki~m tra giam sat.

3.8. Gui Bien ban va bao cao kSt qua ki~m tra, giam sat cho lanh d~o, H<)idoan th~ cap tren, NHCSXH nai cho vay va cac ben lien quan.

3.9. Theo d5i vi~c kh~c ph\lc clla dan vj duqc kiSm tra, giam sat vS nhfrng v~nd@doan ki€m tra, giam sat da neu trong Bien ban. Thong tin, bao cao cho lanh d~ova cac ben lien quan.

4. LUll gift hB sO'ki~m tra, giam satT~ dan vj kiSm tra, giam sat va dan vj duqc kiSm tra, giam sat phai luu giu,

bao quan h6 so, tai li~u cac dqt ki~m tra, giam sat thea quy dinh, g6m:- KS ho~ch (d@cuang) kiSm tra, giam sat;

2

- Bien ban (Bao cao) kiem tra, giam sat;- Van ban chi dao xu 1ycua c§.planh dao co thfun quyen (neu co);- Cac tai lieu lien quan den cuoc ki~m tra, giam sat (van ban khuyen nghi, xu

1)' giai quyet cac v§.nd~...)V. PHUONG PHAp KIEM TRA, GIAM sAT1.Giam sat tir xa: la viec phan tich, t5ng hop thong tin til' cac loai bao cao do

HQi cApduoi chuyen len hoac NHCSXH cung cAp, nham phat hien nhfrng sai pham,yeu kern, rui ro tiSm §n va phuc vu cho yeu c§.uxay dung kS hoach kiem tra true ti~p.

2. Ki~m tra trl}'c ti~p: la viec hra chon mot hoac mot s6 phuong thirc kiemtra: Dinh ky, d(>txuAt,toan dien hoac thea chuyen dS dS ti@nhanh kiem tra.

2.1. KiSm tra dinh ky: la viec thuc hi~n kiem tra giam sat thea chuong trinh,kS hot;lchda duQ'cxac dinh do lanh d~o phe duy~t.

2.2. Ki~m tra d(>txuAt: la vi~c thvc hi~n ki@mtra n~m ngoai chuong trinh, kSho~ch va kh6ng duQ'cbao truac cho d6i tuqng duQ'cki~rn tra.

2.3. Ki~m tra giam sat thea chuyen dS: Ia vi~c ki~rn tra chuyen sau m(>thayrn(>ts6 linh vvc, chuyen dS t~i don vi duQ'ckiSm tra.

2.4. Kiern tra toan di~n: la kiSm tra tftt ca cac ho~t d(>ngvS uy thac cua don viduqc kiem tra (ki~m tra to8.o di~n kSt hgp ki@mtra cac nhi~m V\l nh~ uy thac vaiho~t d(>ngcua TCCTXH).

3. Ki~m tra gian ti~p: 1a phuong thuc ki~m tra thong qua thu phan aM, cacngu6n thong tin, bao cao, to trinh sv vi~c.

Can cu m\lc dich, yeu c~u, m\lC tieu, tinh chit va n(>i dung cua timg nghi~pV\l, timg V\l vi~c C\l th~ rna xac dinh phuong thuc ki~m tra giarn sat b tUng thaidiem, tUng thai ky de ti@nhanh cho phu hgp.

Khi Iva chon don vi kiSm tra giam sat, c~n t~p trung vao nhUng don vi tangtruemg du nq lOn, ty l~ thu 1ai thftp, thu nQ'kh6 khan, NQH tang cao, hot;lt d(>ngcuaH<)icApxa, t5 TK&VV con h~n chS, ySu kern ... d~ thvc hi~n.

VI. NOI DUNG KIEM TRA GIAM sATCac n<)idung ki~rn tra giarn sat c§n din cu thea nhi~rn Vl) va trach nhi~rn cua

timg cApH<)i,t5 TK&vv da duqc dS c~p trong cac van ban thoa thu~, van ban lientich, hqp d6ng uy thac giua H(>idoan th~ va Ngan hang; Hqp d6ng uy nhi~rn gifraNHCSXH vai To TK&VV.

1.T~iH9i, doan th~ cAp tinh, huy~n- Ki~rn tra vi~c chi d~o, t5 chuc tri~n khai va quan ly ho~t dQng nh~ uy thac

t~i dia ban.- Ph6i hqp v6i NHCSXH tinh, huy~n d~ lAy thong tin, s6 li~u vS tinh hinh

ho~t d(>nguy thac cua cac cApHQi.- Ki~rn tra vi~c luu giu s6 sach, Uti li~u cua H(>idoan the va cua NHCSXH co

lien quClflden ho~t dQng nh?o. uy thac va cac chinh sach tin d\lI1g rna NHCSXHdang trien khai.

3

- KiSm tra viec xay dung va trien khai thirc hi~n chuang trinh kiem tra giamsat hoat d9ng nhan uy thac thea n9i dung van ban lien tich dli ky.

- KiSm tra viec triSn khai va thirc hien cac van ban chi dao cua H9i, doan thSco lien quan d~n hoat d9ng nhan uy thac,

- Ki~m tra giarn sat heat d9ng cua H9i doan thS trong viec phoi hop xu ly cactnrong hop no chay y, no qua han va hirong dan h9 yay l~p h6 sa d~ nghi xu ly nobi nri ro do nguyen nhan khach quan (nSu co).

- Ki~m tra viec phan b6, sir dung phi uy thac; s6 sach thea doi ghi chep sirdung phi uy thac (theo quy chS sir dung phi uy thac).

- KiSm tra viec t6 chtrc giao ban, sa kSt, t6ng kSt theo dinh ky.- KiSm tra vi~c ph6i hqp v6i NHCSXH tinh, huy~n trong cong tac t~p huan,

ph6 bi~n chu truang, chinh sach tin d\lng Uti dlii t~i dia phuang.- Ki~m tra vi~c th\1c hi~n nhi~m V\l cua can b9 thea d5i tI'\ICti~p d6i v6i ho~t

d9ng nh~ uy thac.2. Ki~m tra t~i H(H,GOan th~ cap xii- Vi~c tuyen truy~n, ph6 biSn cac chinh sach tin d\1ngUti dlii, v~n d9ng thanb

l~p t6 TK&VV, t6 chuc h<;>pt6 d~ b~u Ban qulm ly t6, xay d\IIlg quy u6c ho~t d9ngcua T6. Tham gia h<;>pva chi d~o trong cac bu6i h<;>pt6 TK&VV co n9i dung v~b!nh xet C~lOvay d6i v6i d6i tuqng th\1huemg cac chinh sach tin dvng Uti dai c6 nhucau yay von.

- Ki~m tra vi~c nh~n va thong bao kSt qua phe duy~t danh sach h9 gia dinhduQ'c yay v6n cho T6 TK&VV d~ T6 thong bao dSn timg h9 gia dlnh; giam sat cacphien giao dich, cac ho~t d9ng giao dich t~i xli va tham gia giao ban v6i Ngan hangChinh sach xli h9i; giam sat, bao quan cac n9i dung cong khai cua NHCSXH t~i cacdiSm giao dich.

- S\1 ph6i hqp v6i Ban quan ly t6 TK&VV giam sat qua trinh su d\lllg v6nyay, don d6c nguai yay tra nQ'g6c, Iffi theo dinh kY da thoa thu~, thong bao kipthOi cho NHCSXH nai cho yay v~ cac truemg hqp su dvng v5n yay bi rlii ro donguyen nhan khach quan (thien tai, djch b~nh, chSt, mat tich ...) va rlii ro do nguyennhan chu quan (su d\ll1gv6n yay sai mvc dich, chiSm dVng...) dS co bi~n phap xu lykip thai.

- Gicimsat va don d6c Ban quan ly t6 TK&VV th\lc hi~n dung cac hqp d6ng uynhi~m dff kY v6i NHCSXH, chi d~o va giam sat Ban quan Iy t6 TK&VV trong cacvi~c sau:

+Don d6c cac t6 vien dem ti~n d~nDiSm giao dich cua NHCSXH dStra nQ'g6c.+ Th\1c hi~n vi~c thu lai, thu ti~n gui (nSu duQ'cuy nhi~m) ho?c don d6c cac

t6 vien d~n DiSm giao dich cua Ngan hang chinh sach xa h9i dS tra lai, gui ti~n (nSukhong dUQ'cuy nhi~m).

- Ph6i hqp cling v6i NHCSXH thvc hi~n danh gia, phan lo~i chat luqng ho~td9ng cua T6 TK&VV; th\1c hi~n cac giai phap cung c6, ki~n toan ho~t dQng cua T6TK&VV thea quy dinh.

4

- Ph6i hop cung NHCSXH va chinh quyen dia phirong xu 1y cac tnrong hopno chay y, no qua han va huang d&nhQ yay l~p h8 sa d@nghi xU 1y no bi rui ro donguyen nhan khach quan; tham gia t6 don d6c thu h8i no kho doi d.p xa (neu co).

- KiSm tra viec phan b6, xay dung quy chS su dung phi uy thac; s6 sach,chirng ill thea d5i su dung phi uy thac.

- KiSm tra cong tac kiem tra, d6i chieu thea chi dao cua H9i cAp tren va theovan ban thoa thuan, hop d8ng uy thac gifra HQi, dean th@V01 NHCSXH. K~t quakiSm tra sir dung v6n thea dinh ky (5 hQ/t6) va kiem tra su dung v6n trong pham vi30 ngay theo quy dinh (theo m&u06/TD).

- KiSm tra viec hru gift s6 sach, tai 1i~uthea huang d&ncua H9i, doan thS vacua NHCSXH; vi~c th\1c hi~n cac van ban chi d::,tokhac cua HQi c~p tren.

3. Ki~m tra t~i tA TK& VV- KiSm tra tinh hinh th\1c hi~n hgp d8ng uy nhi~m gifta NHCSXH v6i t6

TK&VV g8m: Oiam sat vi~c sir d\lllg v6n yay cua cac thanh vien trong t6; vi~c ph6ihqp V01 can bQ t6 chuc HQi, doan th@,chinh quy~n dia phuong xu Ii nhfrng twanghgp nq dSn h?ll, qua h?ll, ng bi rui ro, tr6n, b6 kh6i nai cu tm, chet, m~t dch, cactruOng hgp su d\lng v6n yay sai ml,lCdich (nSu co).

- Quy trinh thanh l~p t6 TK&VV co dUng V01 quy dlnh khong? t6 co thanh l?pthea dja ban thon, ban khong? s6 thanh vien trong t67 T6 truang co tham gia giaodich va giao ban d~y du v6i NHCSXH, H9i, doan th@c~p xa vao ngay giao dichdinh ky khong?

- Vi~c binh xet cho yay co d{mgvo; quy dinh khong?- Tinh hinh thu 1ai, thu ti@ngiri (n~u co) co nQPNgan hang vao ngay giao dich

thea d{mg quy dinh cua Ngan hang khong? hoa h8ng cua Ban quan 1y t6 co nh~dung, du, phan chia co phu hqp khong7 T6 tw6ng co thu ng g6c khong? .

- Cong tac t~p hufuI cua Ngan hang, cac t6 chuc HQi d6i vrn Ban qu~m1y t6 codugc tri@nkhai th\1c hi~n khong?

- V~ luu giu s6 sach, tai li~u t~i t6 TK&VV: dam bao tinh phap 1y, d~y du cuah6 So', d@co nh?n xet, danh gia v~ tfnh d~y du, khoa hc;>c,C\lth@:

+ Bien b~mh9P t6 TK&VV (M&u s6 10AlTD, 10B/TD, 10C/TD): Ohi d&ydung~y, .than~, s6 thanh vien tham d\1, nQi dung hc;>p,danh sach thanh vien trong t6,chot tong so thanh vien sau khi h9P ...

+ Hqp d6ng uy nhi~m gifra NHCSXH vrn T6 TK&VV (m~u s6 1I1TD): xemxet nc?id;mg hqp d6ng co d{mg vai huang d§n cua Trur;g uong khong, co d~y ducac yeu to nhu: chu leY cua cac ben, ngay thing ky Hgp dong ...

+Danh sach hQgia dinh d@nghj yay v6n (m~u s6 03/TD).+ Thong bao k@tqua cho yay (m~u s6 04/TD).+Bang ke thu Hii(m&us6 12/TD).+ Bang ke lai phai thu va lai th\!'c thu (m~u s6 13/TD).+ Bien lai thu 13:i(chua thu dugc ti@n).+ Thong bao danh sach chuySn ng qua h?ll (m~u s6 14/TD - n@uco).

5

+ Thong bao xu ly no rui ro (neu co).+ PhiSu kiem tra su dung v6n yay (neu co).+Danh sach T6 vien dang ky rna tai khoan tiSn giri (m~u oIffG).+Danh sach h9 gia dinh dS nghi tra uri trong thai gian an han (neu co)Luu y: NSu hoat dong cua t6 TK&VV con nhieu t6n tai thi ck phai tim hieu

nguyen nhan (do trinh do Ban quan ly t6 con han chS chua diroc ~p huan, do t6chirc H9i kh6ng quan tam dSn hoat dong cua t6 ... ) va dua ra nhtrng kiSn nghi xu lythich hop.

4. Ki~m tra tinh hinh sir dung v&n cua h9 vay- KiSm tra hien tai h(>gia dinh yay Ngan hang bao nhieu tien, thuoc nhtrng

chuang trinh gi? HOco nhan du tiSnyay kh6ng? sir dung vao muc dich gi? v6n yay c6 binii ro khach quan kh6ng?

- Ki~m tra kha nang tra no nhu thS nao? s6 tiSn g6c tra nQ'c6 tI!mang tra 4tif)i~m giao dich ho~c t:r\l sa lam vi~cClla NHCSXH hay nha nguOikhac tra giup...

(TheophVlvc tham khao dinh kern)VII. TONG HQ'P BAo cAoSau khi thl,Ichi~n cac cuoc kiSm tra, giam sat t~i cac dta phuang theo chuang

trinh kiSm_tra da duQ'c Thu truemg ~~p tren phe duy~t, cac doan kiSm tra tfm~ h9l?vao cac mau bien ban kern thea: f)6i v6i cap tinh tong hqp theo bien ban mau s6OlIBB-HCT, c~p huy~n m~u 02IBB-HCH, c~p xa m~u 03IBB-HCX, T6 TK&VVm§:u s6 16/TD va phiSu kiSm tra h9 yay v6n thea m~u quy dtnh hi~n hanh, gUi kStqua kiSm tra cho NHCSXH thea quy dinh. f)6ng thai Truemg doan kiSm tra phaitrinh b~g van ban bao cao Thu truemg dan vi nh~ uy thac vS kSt qua kiSm tragiam sat nO'iduQ'ckiSm tra thea m~u 041BC-TH va t6 chuc theo d5i chinh sua, thiSusot thea kiSn nghi cua doan ki~m tra, giam sat d6i vai Hoi, doan thS c~p du6i va T6TK&VV.

N(>idung van ban nay gui t6i cac Hoi, doan thS ph6i hqp v6i NHCSXH cacc~p t6 chuc t~p hu§n cho can bQH(>icac c~p va cac T6 TK&VV dS thl,Ic hi~n tbt n9idung kiSm tra, giam sat theo cac van ban lien tich va Hqp d6ng uy thac, uy nhi~mda ky gifra hai ben./.

No'inlt~n:- TW HQi: Nang dan, Ph\! nO', Ct,IUehi~n binh, Doan TNCS HCM;- T6ng G iam d6e;- Tnrcmg Ban ki~m soat NHCSXH;- Cae Ph6 TGD, KIT;- Cae Ban CMNV HSC;- Ban KTNB KV MN;- Chi nhanh tinh, thanh ph6;- Trung tam DaD {?o, ITCNTT;- Luu VP, KTNB.

VoMinh Hi~p

6

DQc l~p - Til do - Hanh phuc-------------------------

A .,

BIEN BANKIEM TRA RO~T fH)NG NR~ UY TRAe eRO YAY T~I

- tr' .XAIPH ONCffHI TRAN ..", " ..

Th h '" KJ.. h h nzi tha W v'J.. 'e" ki ~ t ' r it\IC lyn e o~c ngay ang nam " "..... e VI, C lern ra glam sa

hoat dQng dich vu nhan uy thac cho vay voi Ngan hang Chinh sach xa hQi(NHCSXH), hom nay, ngay thang " nam , tai UBND xa (phuong, thiJ.. ) h " ( ,., TP hi -) h' A • Atran , uyyn qu~, ,t 1xa " c ung tOl gom:

1.Doan ki~m tra:_Ong/Ba: Chirc Vl,l: Dan. vi: .

_Ong/Ba: Chuc Vl,l: Dan vi: .

2. Hqi xi (phmrng, th] tr~n) : .._Ong/Ba: Chuc vu: Dan vi: .

_OngIBa: Chuc V\l: Dan. vi: ..

3.Thanh ph~nkhac:_Ong/Ba: Chuc vu: Dan. vi: ..

_Ong/Ba: Chuc Vl,l: Dan. vi: ..

NQI DUNG: Ki~m tra viec thuc hi~n cac nQi dung trong quy trinh cho yay cua HQi..............................xa va thirc hien Hop d6ng uy nhiem cua T5 1K& VV da leY voi NHCSXH,

KETQuA KItM TRA:I. TtNH HINH v6N VAY DO HOI xA (pHlfONG, TTr) QuAN LYT . th' . d'~ h r ..,~ at tern tang nam .._Temg s6 t5 TK& VV do HQi quan ly: T6,_Tfmg s6 hQyay v6n thu{>ccac t5 TK&VV do HQi quan ly hQ.Trong do

c6 hQyay la HQivien hQi ..

Ten chuan.g trinh Du ng (tr,d)Ng qua h~ Ty l~NQH

cho vay (tr. d) (0/0)

Cho vay h¢ ngheo

Cho vay HSSV-

Cho vay NSVSMT,..---ChovayGQVL

----- -

1

,_.

:

Ten chuong trinh Du no (tr.d)No qua han Ty l~NQH

cho yay (tr. d) (%)

Cho yay hQc~n ngheo1--. ------------ ~.-------------_._---Cho yay ho moi thoat ngheo--- I---. -Cho yay He?SXKD vung KK -Cho yay XKLD

Cho yay hO DB DTTS BBKK

Cho yay du an PT lam nghiep-

Cho yay khac .........

.... --CQng

II. GRI CHEP, LUll GIiJ' SO SACH, CmJNG TifT-M HQI xA (pIWONG, TTr).

N6i dUD2 C6 Khong Ghi chu

1. HClPd6ng UT gifra NHCSXH voi HQi ................................................

_2. Hgp d5ng ul nhiem gitta NHCSXH voi cac t5 TK&VV3. S5 thea d6i tinh hlnh nhan uy thac cua x! (S5 nay

NHCSXH khong c~p, do Hoi t\lxlly dung da thea doi) ._Tlnh hinh du nei (tung c/trinh) bi chiem dung ..._Thong tin ve so to TK&VV chiem d\mg ... .-_Thong tin v~ k~t qua s6 hQyay v5n da thoat ngheo- ...4. S5 hQp/giao ban v~ quan 1:9ngu6n v6n cua xa

5. Cong tac kiem tra giam sat: .

_Xay dung k~ hoach kiem tra_Bien ban KT cac t5 TK&VV (mau 16/TD) nam ......_Phieu kiem tra SDV dinh ky (5 ho/t5) .

_Phieu lO!m tra SDV trong vons 30 ngay6. C6 quy dinhlquy che st! d1,lD.gngu6n :ehi uy thac7. SOthea d6i nh~ va su d\1Ilgngu6n phi uy thac c~p xii_So dU<;1cghi chep, c~p nh~t day du, kip thOi_Cac khoan chi theo dung quy &,nh8. Cac cong van chi d:;to cua Hoi.......·..············.. tlnhIhuy~n va

NHCSXH --Luu day dli cac cong van (doi chieu v6i huy~n va tinh)LtrU y: Timg noi dung danh diu vao cot c61 khong thea ket qua lOam tra, n~u cAn giai thichthem ghi vao cot ghi chiloGhi ro s6 lugng d8i vai nQi dung 2,4.

2

- - ~ _-:,_ ..• __ ...... .:....' ~-.- . ..!._ - - -

QUAN T~I cAe TO TIET KI~:r'yl& YAY VON BOAN BA KIltM TiL~* I.. .z. • l k" bie b' k· J.. .!.So To TK &VV duoc hem tra: ( em thee cac len an rem tra to

TK&VV m~u 16/TD)NQi dung Co Khong Ghi chu

1. Danh sacp ho gia dinh d~ ngN.Y-~ v6n (Miu 03ffQL_____---- ---' -._

2. Bien ban hop thanh l~p t6 TK&VV: M~u IOA/TD _---Blban h9E kien toan t/vien BQL t5 TK&VV: MfuI lOB/TDcse Blban hOEt6 TK&VV c6 noi dung khac: ~u lOC/TD ---3. HQ'Pdang UN giua NHCSXH - t5 TK&VV W!u llfID) ------ _-4. Bang ke cac khoan thu (M~u 12/TD) kern phieu thu tiencuaNHCSXH t--------

5. Bang ke la:iphai thu va Uiitlnrc thu (M[u 13/TD) -1-------------- C~p nhat dUng, kiE thai

_- C6 du chtr leY ngiroi nop_Ghi chep d~y dli cac muc thong tin6. Bien lai thu la:i(chua thu duoc tien)7. Thong bao danh sach chuyen no qua han (M~u 14fTD)8. Bien ban ki~rn tra heat dong cua T5 TK&VV (M[u16fTD) - n~u da:duoc kiem tra tnroc d69. Thong bao xu ly no bi rui ro (nSu c6)

10. Bien ban h9P t5_C6 s5 ghi bien ban hQp t6 khong?_S6 duqc ghi chep hang thang/9.u~_Noi dung hQp duqc ghi chep d~y du trong s6Luu y: Timg noi dung danh d~u vilo c¢t c61 khong thee kSt qua ki~rn tra, nSu d.n giai thichthem (s5 cOnthiSu, thi~u bao nhieu hay bao nhieu t6 thiSu ... ) 'ghi vao cot ghi chu. .

IV. THlfC HI$N cAc NQIDUNG TRONGQUY TRiNH CHOYAY V6N UY THAcCVA HOI cAp xA

Nei dung Co Khong Ghi chu

L Cong tac tuyen truyen, van dQng_ Th\lc hi~n tuy~n truyen chu truong, chinh sach clia Dangva Chinh phu v~ chsinh sach tin d\mg \Ill da:i..._ V~ dQng thrum l~p t6 TK&W thee dung Quyet dinh solS/Q£>-HDQT_ V~n d(>ng,don doc BQL to TK&VV tham d\l day du d.cphien giao dich clla NHCSXH; hucrng dful t5 .vien t5TK&VV th1,lchi~n giao dich vai NHCSXH._ V~ d(mg to vien chap hanh quy u6c ho~t dong cua to,thvc hanh ti~t ki~m; e;itlp da nhau, cung chia se kinh nghi~mtrong vi~c sit dl)ng von vay dung ml)c dich, th\lC hi~n tra nt],tra la:idung ky h~n dii cam k~t v&ingan hang._ V~ d<)ngkhuyen khich cac to vien to TK&W tharn gia

_.--- -

cac ho~t dong khac CllaNHCSXH. I

3

Ned dungi Co Khong I Chi chu I

_ To chtrc t~p huan boac phoi hop vci NHCSXH t~p huann.ghi~p vu uy thac cho can bo Hoi doan th~ dp xli va BQLtoTK&VV._______-------.r-.,-----~-.

._

_ Huong dan thanh l~p to, to chuc hop to Ian dau, bau BQLt~, XD q~y uoc, binh xet cong khai cac h9 c6 nhu cAu vaday du dieu kien. .._--_ Nhan va thong bao ket qui pne duyet danh sach hQ giadinh diroc yay v6n cho t6 TK&VV d~ thong bao d~n tirngh9 gia dinh2. Ki~m tra, giam sat ho,t dQng eiia to TK&VV, Ban

~guan 1£tA va tA vien ta TK&VV .a) Giam sat t~an be>qua trinh heat dQn~ cua t6 TK&VV theadung Quy che ban hanh kern thea Quyet dinh lS/QD-HBQTb) Giarn sat va don doe BQL t6 thuc hien dung cac nhiernvu theo hop dbn~l_!lhi~m dll kY.c) Thirc hi~n kiern tra vi~c sir dung von yay eua 100% m6nyay rno; trong yang 30 ngay ke ti.r khi NHCSXH giii ngan

--rd) Don doc BQL to TK&VV giam sat vi~c sir d\lng von vaydung rn\lc dich va c6 hi~u qua, tra nq, tra llli, th\IC hanh tiet.ki~m ... cua to viend) Giftm sat cac phien giao dich, cac ho~t d9ng giao dich cua.NHCSXH tC}-ixli; giarn sat, biD quan cac n9i dung cong khaicua NHCSXH t~i di~m giao dich xii. Giam sat cac hoC}-td9ngcua NHCSXH t~ ho vai: v6n, t6 TK&VV-e) Thong bao kip thm cho NHCSXH v~ cac trubng hqp sirdl,ll1gv6n yay bi nii ro do nguyen nhan chu quan, khachquan, d~ co bi~p phap xir ly thich hgpg) Phoi hqp vo; NHCSXH va chinh quyen dja phuang xU lycac truCmg hqp c~ay y, nC?qua h~n, ngum yay b6 di kh6i naicu tro, tham gia to don doc thu hoi nq t~i xii?h) Ph6i hQJ?v6i NHCSXH thl,IChien danh gia chat ,luqnghoC}-tdOng to TK& VV; th\Ic hi~n cac giii phap cling co, ki~ntoan ho~t dOng cua t6 TK&VV

---------_._---------------- --_._----_.-----_- ------_. __ ..__ .__ ---- ... _. - _. __ .-._-_"

v. eANH GIA,NH~ XET cUA eOAN KIEM TRA

Qua kiSm tra t~i:_ 1 T5 TK& VV do HQi quan ly_ 1 khach hangDoan co danh gia, nh~ xet nhu sau:

1. Cae U'U di~m:.......................................................................................................................................................................................................................................

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2 C ' /.. dA 'tA •. ac van e con on tl:p:

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3 K'~ hi cf D' k·l t. len ng !eua oan iem ra:........................................................................................................................................................- .

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..... oa ~ oa • .

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'T''h ' . ha II ~. _ .' /, ." h h·... ' k'': hi b '1J O'Z . n n9Z J •• r:_. en. '71.:-11 t 1,lC ten xong cac zen ng I va aocao kit qua: , ..

Kern theo bien ban nay 18. cac Bien ban kiem tra heat dQng T6 TK&VVs&: doan dll kiSrn tra.

Bien ban duoc l~p thrum 05 ban (GUi NHCSXH huyen 1 ban, HQi ..xli, huysn va ,tinh hru 1 ban a rn5i c5p, Doan ki~rn tra hru 1 ban) doc cho cac thanh-L­vien cling nhat tri thong qua. J\

Trtr<mg doan ki~m tra(Ky ten)

TM. HQi _ ;.._huy~n(Ky ten, dong dau)

TM. HQi ._ _.._ xi(Ky ten, d6ng dAu)

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5

CONG HoA xA H(H CHU NGHiA VI~T NAMDQc I~p - TV do - H~nh phuc

BIEN BAN KIEM TRAHO';_TDQNG eVA TO TIETKI~MVA VAY VON

Th1!Chien chuang trinh kiem tra cua t6 clnrc H9i (Ngan hang) .

H A , ths ¥ t . TA T'e!"tkiem vi /..om nay, ngay ang n am , :;1.10 1 1~m va vay von(TK&VV) thon\~p , xa\phuemg huy~n\qu~\TP\TX tinh (thanh pho) chung toi g6m:

A. Doan ki~m tra:

1. Ong\Ba: Chirc vu: .

2. Ong\Ba: Chuc V\l: , ..

B. Ban quan ly TA TK &VV (don vi duqc ki~m tra) thuqc H{)i: ..

1. Ong/Ba: Chirc vu: T6 tnrong

2. OngIBa: " " Chirc Vl,.}: T5 ph6 Idem thu IcyNoi dung ki~m tra: KiSm tra viec thuc hien HQ'P d6ng uy nhiem cua T6

TK&VV da ky voi ngan hang CSXH ngay ......"..........thang .....:.........nam 20.......... . ThaidiSm kiem tra thang 120 ..

1.Tinh hinh chung cua T5- T5ng du ng cua T5: trieu d6ngi hQ, trong do ng qua han ., , ., .

'A d" g/ h" h'A 01''' t" d 't"trieu on 9; Clem " ",0 tren ong u ng cua o.- T6ng s6 thanh vien trong T6 , trong do s6 thanh vien co ti~n giri .

h ·;.. '1" 01' Sf..d .~ , .. .l. 'd" B'nh A 1 h" "Clem ty ~ :0, 0 u tlen gUI cua to: ngan ong. I quan 9 gm, d"..............................ngan ong.

- Vi~c tra ng, tra 1ai,gui ti~n cua d.c th8.nh vien trong t&nhu thS nao (TB, kha,t6t)? KiSm tra Bang ke 13/TD thai diSm thang ..1. ,f..h" "1-' 1 t.l. /.. h" h' f.. 01' sf. 1-' h h 11-' h" thso 9 n9P aI ong so 9, Clem ,0. 0 al t 1!c t u al p al u.....................................d/ d~t %.

2. Ki~m tra tinh hinh ho~t d9ng, IlfU gift h8 SO' clla TANQi dung Co Khong Ghi chit

2.1- Tloh hioh hoat dQD2 clla Toa) T5 c6 to chuc h9P de binh xet cong khai cac h~ dtrgc yay_ybnl s6 thimh vien dl,l h9P ........1............chiem tY l~ ..........% --- 1-----b) To duX,tri sinh ho~t theo dinh k~ nhu the nao? thang, guyc) N? chiem dl,lIlg,sir dvng s~LI!l\lc dich02-To c6 thu phi cua he>v~'i ._

.-----

:..d2 To truOng c6 thu nQ'goc khong---- r'---'

~buOng t6 gill' S6 vax v5n cua hQyay--

f) To trucmg co dl,lh£E giao ban -------

NQidunz Co Khon!! Ghi chu2.2- Kiem tra vitc hru gift va ghi chet:! hA SO' cua T8:a)H6 S(1 phaE l~ ella Tb TK &VV:_Hop dong uy nhiem cua Ngan hang voi T5 TK&VV_Bien ban h9P thanh l~p (hoac kien toan BQL) va quy uochoat dong cua t6 TK&VV (m~u sA10AfTD)?- Bien ban h9P ki~n toan BQL tb (m~u so lOBITD)?- Bien ban h9P to TK&VV (m~uso 10CfID)?- Danh sach ho gia dlnh de nghi vay von(m§u so 03rrD)_Phieu kiem tra sir dung von cua he>yay (neu e6)- Danh sach hOdang ky_nop Hii trong thai ~ian an han- Danh sach dang k~ mau ehii'Icy he> giri tien.....b) Ho S(1, chirng illgiao dich- Bang ke cac khoan thu (miu 12/TD)- Bermgke l~iEhai thu va l~ithirc thu (miu so 13/TD) .--- ._M.......___ ·

+M~u 1311Deo ehbt sb ti~n thu }iIi, thu tien giri? _-__+HQnQEHii, giri tien e~ k~ da~ du tren miu 13/TD?+Nh~n bien lai 01A, mau 13/TDkhi ket thuc giao dich?_Bien lai thu lai khong thu du'q~tien eo nop ve ngan hang?- ....e) Cae v~nban khac eo lien quan _--_Th6ng bao danh saeh ehuyen ng gua h~ (Miu 14)- Thong bao xU l~ nO' bi nii ro {nau eo2- Thong bao phe duy~t eho yay --..

_So ghi Bien ban sinh ho~t to (ho~e so h9E giao ban t~i xii}- .......

LtrU y: TUng nQi dung danh dAuvao eQtcolkhong, thea ket qua ki€m tra, neu eAngiai thieh them (s6 eon thieu, thieu bao nhieu, thieu thang mAy ) ghi vao eot ghi ehu.

Nhan xet va ki~n nghi: : ..

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Bien bim dugc l~p thanh 03 ban (T6 TK&VV 01; f)oan. ki~m tra 01; NHCSXHnai cho yay 01 ban) dQc cho cac thanh vien cung nghe va nh~t tri thong qua.!.

Tnrlrng (Joan kiim tra T&trtrlrng T8 TK va VV(Ky, ghi TO hQ ten) (Ky, ghi ro hQ ten)

C<)NG HOA. xA aOI CmJ NGHiA VI~T NA1'v1DQc l~p - Tl! do - H~nh phuc

BIEN BAN KIEM TRAXac minh ng hi chi~m dung, sir dung sai muc dich

(MJu tham khao)

Hom nay, ngay thang nam. " .... , tai UBND .xii........................ ,.. huyen Chung toi dii cung nhau kiemtra, d6i chieu du no mot s6 khoan cho vay cua Ngan hang Chinh sach xii h9i bichiem dung (su dung sai muc dich) nhu sau:

I. Thanh phin lam vi~c gBm:1 Chirc vu UBND xii .

2 Chirc vu HQi .

3 : Truong thon ..

4 T .!.t em" T.!. t'e::"tkiem v' a s........••... : . •. •. . . •. . . . •. . . . . . . •.. 0 ru g 0 1 1. a v y von

5 Can b9 NHCSXH (neu co)

6 Chirc V1;l (d6i nrong chiem dung) .

7 .

II. Nqi dung:Can clI vao He, sa vay v6n va kSt qua kiem tra, a6i chieu no true tiSp tai

T3 tiSt kiem va vay v6n them do Ong (ba) .lam t3 tnrong, thuQ?H A' - hu t · ac dinh cac hOA .:t:::: va th "'c TAQl xa '" c ng 01 X! . UC1 Y UQ 0ti~t ki~m va vay v6n bi chiSm d\lng (sti' d\illg v6n sai m\lc dich) d~n thai diSm.................. la:

STTH<}va ten f)ia chi Ngay SA r), Ti~D Uii TiSn gfriD2uOO yay . yay

Olen yay

T6ngCQngS6 hQ bi chi~m d\lng (ho~c su d\lfig sai m\lc dich) tiSn g3c la hQ v6'i *

t?ng s~ ti~n la ,dang. ,S6 h9 bi chi~m d\lng tiBn lai 18. hQ, v6'it '" '" t'" l' d" t·... • . l' d~ong so len a................. ong; len gUl a ··········· ~ng.

III. K~t lufin: (Neu ro nguyen nhdn, hinh thue chiim dung, sir dung v6n sai mucdich; kit ludn ro ho 'ten nguot chilm dung, t6ng s6 ti~n chiim dung; t1~xudt, kiin nghj bi~nphap xu [y, thu h6i...)

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Bien ban nay da diroc thong qua vao h6i .... gio cung ngay, cac thrumvien

co mat deu nh~t tri va leY ten.

NGuffi CHttM DVNG(Hoac sir dung vim sai muc dich)

CANBQKltM TRA .

f)~DI$NT6TKVA VVcAN BQNHCSXH .

D~I DI~N HQI xA .. D~I DI$N UBND:xA ..

N~CSXH (HQI f)OAN THE) .TINH: · ··············· ..HUY~N .:x.A ..

CONG HOA xA HOI CHU NGHiA VI$T NAMflqc l~p - T\)' do - H,nh phuc

Mdus606/IDLq.p 02 lien:

- OJ lien luu NH;- 01 lien luu T6

PHIEU KIEM TRA sir Pl}NG VON VAY(f)jnh kj ho'_c il9t xuat)

HQ va ten can bi) kiem tra: , chirc vu .Thai diSm kiBm tra: , dia bankiem tra: .

PHAN GHI THEO HO so CHO VAY PHAN KIEM TRA THVC TE T~I HO VAY V6N

s S8sa vayThuc ti sir df.lng sa ti2n sir

Kj

t van (KhiH{Jva ten Sa ti2n MIjC dfch sir sa ti2n dljng sa; XQC nh9n

t ngui:rivay vay Dung vl)n vay tlu~cnh(in siJ ti2n cuauoc)

Vao viic muc ilich ngrriti va)'

1_.._- r--.-..- ....- 1----.-----.--- ....-._--. --...-...- ... . ........._--------_ ..--_ ..- ~....----.......... ..-----_ ..._--_ ...._...2 ._..._-- f--.-----.---- -- . ----- ....._ .._ ...._-- . ---- -_......_--_.- - ----

3 -------- ------_._.__ ..... ._.---1-. -------------- 1-,-",--", ---_.- ------------------4

f-- ----_.- ------------------------ ......_- 1--' .-.r' .. -----_.-----5- --..--- --------- --. ...-1--.__ .__ ..---_._-- -_ .....------------- r-----...... ._--- ..------- .-- ------------_ .

...

NhA' ex' d"··:" J.. ,.. A·A d:l. T d'"n xet: Kiem tra, 01 chieu thuc te dmlc hQ, SO tien ong. rong 0:se h" . d a' di h h" 1...). d~' 0/_ 0 Q su \lng ung muc IC : Q, SO tien: ·. ong, ty trong: /'0.

SAh"'d . dich h" /...). d}." 0/_ 0 Q su \lng sal m\lc Ie :.. Q, SO tlen: · ong, ty trong: /'0.

Bi~n phap xu Iy:""" " " "" " "" ............................................................................................................... , .

N ' h' ....gay , tang , nam ..Can bQki@mtra(Ky, ghi ro h() ten)