! "
#
!"#$%&
'()"$#
$% &'() *)(+&,'!-
$%./&,'!-
$%!!/!0
1% &2 34
1% & !
1% &2 *56*7
*+,"+,"-
$
,
.+,"89:+*+!.!
;'!<*! !2 &=+
89>#
9!./89:?.5*.
89>*@./ /!A*&#
/0
B./<!.
/!*5C *D2 EC!
"#
.12#34$0+,"0
9.<9./ (<A!./
(<A!.FAA<9A!.G&H*7
!#
5/6",$7#34#$0)89
%+,":+,"2
1I5!(*3JKJIL'M&M
5*5#
- Trường hợp chiết khấu toàn bộ thời hạn còn lại của giấy tờ có
giá:9,N*&,'!)OP&#
- Trường hợp chiết khấu có kỳ hạn:9,N&,'
!),./
;(+,"
%./ (D,N&,'!092
&<Q&,'!!
2 !./
1%./'/R0./!&
,'!<*3,&=+/. (D
&,'!*@./4D,*7#SR
./*OP&
';2+,"
8./*5T!*72 GU<4*
B./*!&,'
! DV,*MA GU#
%W"./==*+
A ;,/R<("
./*;#
%C &PX!*+=GU.2 <!
Y34*H7F(! ./&,'
!KJ9L*M
'4ZT!*7F(! ./ ;
#
<=>%
Theo phương thức trực tiếp,! 7AB.
FG[Z\ 7
]!8*56*7
Phương thức gián tiếp! 7
FG
]G^T
#%
& 7A ./&<
/F&6+<6_6.
?"#9(+,"#34
1S'+./&,'!<!W
./*5F(! 4./N*.
,*MT./CY\&*H7./2
>`G&*7H[Z\ 7 ]
!6<*5aG&H-
1%C4P&</M;/C*5\&*H
7./!<[Z 7
]!6<*5a
G&HCY!9F(! C./
]/FC./0
Các trường hợp không được Ngân hàng Nhà nước chấp nhận chiết
khấu, gồm:
b*@4Y../-
b%!&,'!/F**H/2 G*7c&.
./<!./!
-
b\&*H7./Y'D
/Fd5G*7<,/U/F*efG&H#
1[/C*59F(! C./[Z\
7 ]!
6<*5aG&H<!BT!B
9F(! C./<4*'*H7.
/B D&,'!CH
![Z\ 7
]!6<*5a
G&HA NP&/M;&*5F(! #9A
A,5./&,'!'/R<CPXgg
d&!)CY\&/.
&,'!H[Z\ 7 ]
!6<*5aG&HA/
D&,'!CH !-
1[Z 7 ]
!6<*5aG&HBT!B</M
4 !&\&/.&,'!*.
/'/R#9A,5*@YF
(! C./*.PXggd&<
*5C.//FY\&/.&
,'!K*./'/RL9F(! C
./*'/FN!A7#
%W9F(! C./<\&/.
&,'!!<[Z\ 7<
&MH ! !&,'!
2 G&*7#
1[H !*52 F0
hiX
P
csc
t
TL
GT
S
×
+
=
b
t
S
[H8 !/./\9%\
b@0!A7 !\9%\/*.
b
sc
L
@4./K(jWL
b
c
T
09,N\9%\
1S.,./K*A,5./'/R
L<! ! H
&,'!C&,'!2 /.#
b[H8(!;'!*@./
89>*540
L
hiX
PK
ms
tbl
TL
SG
×
+×=
bl
G
0!(!
t
S
0[H8 !/./\9%\
s
L
0E@4Ae+=+ ]@4/R
!+; &,'!K(
jWL
m
T
09,8./\9%\
.4gP&/M;&../
/F ! *MC&
,'!4kAHY
*M !#9A,5/ )
/F*H
4k&M4HN.45G!
*')7@4G!(PXgj@4./#
4kT2Tl(!!&,'!
*?A=7A,H*M34
HN.#
19A,5*H7.//F D&,
'!*e*e,2 F(! C
./<4k(7 *@a(m*H
7./#>D(m*H7./n+4k
/F*5../
A ,i!/M;&+n
A #4B$BCD@.@-
;$
0
% &'() *)(+\9%\8?
()\9%\< ]&=+&M/ )\9%\
/ )8Z9A 7/ !*M
*)() BoA)5 D&H/ )&
+8#
/0$0#D2;
3!"*5C
*D2 EC%!"- ]!"
/F)/*59% l
KV"*5lL#
*Các đối tượng được vay cầm cố tại NHNN phải có đủ các điều
kiện cho vay cầm cố, gồm:
1E!"*5l/F(7*] A
/M4 !*](-
1%'\9%\*=f+2 G&*78-
1%'34*H7&+8-
1SF'5G!8,*MT&-
1%'/.H4YH&+*e*A)5
K@L 8*e,G&*7#
EC%!9%9p(WngPg)0qSM4 !*]
(rD9%9p*5*]4B/M4 !AB.
8 '&/)WA)</)W
!#
pB) F&=As!A,5(7/M4 !*]
(#I'A G!AG)U<A</MA<!4!
*D ]G(! ! !9%9p<Tl&9%9p'
& A/M4 !*](< ]
=AV!G&*7!CH *D<
]!A,5/!`*.A9%9p *D
/F <"*7<*'M!!(
!!4!*](#
"#EF#D G#D-;
$ &'"#EF)"
1S ) &+*5() *)(!\9%\*=
f2 G&*78-
1% &+&,'!
! !,./)
W/ )-
1*5&+) A)&8K)
@L*+&**e#
H@.@$0D
19.8-
19A!.%309.S (<9A!.S
(<9A!.FA9A<%FA!T&B9"
G<9A!.% t!AMJ
KA*&cuvA5!AML*59%6
*7!-
19A!.*5%() @309A!.
t!AMJ!*5%() @
!Pggj!A7<@/*.-9A!.
%4!T@D!*5%() @
!Pggj!A7<@/*.-
19A!.%G&H*7 w&(
8Dw&(83%>!
-
19A!.%( KA A,59%9p*@
4Y.&,'!xxxL
1%!\9%\/! 9*8G&*7A ;,
/R#
*GTCG phải có đủ các điều kiện sau0
1E/U8-
19DG&H4Z?5!9%9p-
19"!/F*54Y! \9%\ "
*'!*M 78-
1%',NM(,&#
9B=a?!A7\9%\4H&'()
*)(+\9%\8
19.8<9A!.%<9A!.*5%
() @\9%\P)'!A7M(PgXj
4H&+8-
19A!.%G&H*7\9%\n)'
!A7M(Pngj4H&+8#
' 32#D ;#D$
$1*I.I$#-
:;!"#+$%32#:,J2"K0
9L9307
9A,5*](<8'MT2Tl/ )&
+,/F5G!, &
+*+#
^#M#D
%W=4!HA ;,/R<+&
<!A7\9%\() *)5!/ )&/!
8<8G&.*7 &+*
T&#> &*/F5G!!A7
\9%\() *)*5G&*"2 G&*78#
?"#9(&
1S'+&+<Y8KJ9
L(D34*H7&+30
b\&*H7&+8-
by)/=!\9%\*H7+*M&8'T!
C"!<*U! ]"/U-
b>D46=H34Y-
9 78-y) !
+&Jp;8-
by)*/. !,*M+#
J9YF(! & T&[Z
\ 7 ]8!6<*59*
&G&H#
19A ,*gn&/M;&C*5*
345*H7&+<8T2TlF(!
(W() T&HC&/F
C &+#
1[/C*5F(! HC &+
8<T&).&M !
\9%\*M4)+ 8#
1[*'<8B+!\9%\2 *e
\9%\*@*5=&</U5*3B)
2 G&*7#
19A)5&+0S*./RA)5<!
!@/ )&+ 8C\9%\#
9A,5*./RAZ5K ]@L/F
A)*5584kB!(!*M35(
(DK@L#
9A A,54/8*@B!(!*M
35`/F**M3.5<84k
&M+5N45G!!@4G!
#I3,<8'M(! ] !,!
!\9%\+A=7A,H*M35G!
&#
I!'A4Z8D<
&+*5B[Z\ 78#[Z\
78W 34C &+*@*5
9*8=&.C+<
/U5*3&M4H &
/ )HY8#
I!'A4Z *7(8
D ]A ?A,5+.<9*8'
M&G&H \!*8!6<AB
D9AB &+*'
A4ZA=*7(#c&AB &+
8!6<B[Z\ 7
8#
N.#12'K)>
E8 !89>A=4Z
() *)/ )&!3489>G)U
/6",#
189>) *D(,<'&<5
<a5T/FG!G&*7#
1834T&34'50/)W3
5</!&89>?/!'&
< *D4)T/ "*7<G)#
M#32#
I5T!*7B +!"
!A7H&<,!34*)() #9&
= *.&8B &2
&
O.#'$0P$%
Q0E &8FG!
89>A*M &!/ )*@*
!*5*56*7
QME"
9B!%0S&./*+D
4/.<*+B!B!A/.
]*M/CG)=<z
1[5H &<*5,<@4 &d&
D G&.*7
R.#
.#3S"#ETU9L:
#!"$EV
1I54Y,T&=.aAVA
*D !G89:
189:*HAG&*7fB=G*. !(dA;
*3,,"A !
1IM !(dA;<!89> !*H
/H]/oC+)'9S 789:#
1%!= !(dA;)B&=
) !&<4NQ4H=)
!A !(dA;#
1t & !,T&=0
bt &G*=
bte &
?89> *589: &<9SHZ
89>*''M'4(='{'M'4(=5#
.#,WI1&9B
S89>/)W !<A'M`*'|
5&(" H/.#84kT2Tl*H7
G&.*7*M 89>A A/)
W !&H*M&A *D(,8#
1[5H&, &d&2 ;A,5
M
184k/}2 !(!/M4 !*](!
89>
2)
9ABW
%B!7 ! &
/+.
Điều 26 luật NHNN0A,5Gu4!.
GuBA?/FTYU*58
4!A2 G&*7<
/ )&)*5 A)A W4!<A;
A,5*]( 9G&.*7
B1XB1X-;
* Bảo lãnh04B/.BoA)5*(='
G&H" <.,() @!
89>A /FB*e</F*+&*o
A)52 5*3*@/U
y=(@ @089:
y=*5() @0"&;
*5%6*7K89:/F() @ !"
!&L
y=Z() @0!"G.<%
!<89> <!C* /.
* Tái bảo lãnh0/.(=!() @(= &H
A)5H&*+&*<*e(=() @<A,
5(=*&<(=() @/FA)*5/*.(=
!() @)7A!A)&#
Điều 31 luật NHNN VNG&*78/F !"
!&A;A,5'679
H() @!() @ !"
! & *M*+!AM/.
* căn cứ thực hiện nghệp vụ : pB4!H
4!H89:4lB* !*5aAV&
*M*)() DaWAZ/.*7<;*'
T!*75&V&
%W +() @!() @
%W !G&*7*H/A(D/!
* Điều kiện để được NHNN bảo lãnh và tái bảo lãnh
YB1X
1 %!"!.*D4!
* *D/ '@
1 SF'5G!
1 %'B!/)H4Y&A)5&
1 %'5*3& A
*5&
1 %'4).*)() () @
B1X0
1 %'*+&*()4 34T() @*5(=() @
C
1 t)*)() *D/ '@<!
G&*7A *D/
1 %'A G8
1 SF'5G!
1 %';'! ]4).*)() H
&
* Kỹ thuật nghiệp vụ
/ B1X
%!"/*H7)f(734ZY8
( 30
1 IT() @KA(&As*&L
1 y)4 5*3&
1 IH!/)H4Y&<A)5&
1 y)/=!4).K!;'!
]&,G&H4Z?5!4).
L
/ B1X0
%!"/*H7!() @)f(734
Y8( 30
1 t)'*T!() @
1 %'*&* (D34() @C() @
!"
1 t)'()/=!4).#
9$40!\9%\ ]4).)() ()
@)*W/UA*M8/MA*5(DC
N;AA T2TlT!C</*5C(
8G)U2 G&*7#
I4))() (*D4)G)U!&,
T!CG&H4Z?#.*D4)G)U)G&H
4Z?G&H4Y
G.>)Z&[
92 (! ! 4(DH *Di!*+
WngPP<*.Pg~i<*
H/.W•<gXj#J6=ngj )W&<
*7N`N/!#
9A *'<WAZ(Jp`W<A /
( .Z #%M<*.,*MA=4
WngPg<WAZ(Jp6W
n<•nj<( Wnn<nPj-
Wi<P•j<AW•<iij
1JH<5oB4)T*@WPg<O•j<
.aAV€hj"5-A *'F
FFWn•<Oij<T/fWnX<••j-5
oB4)T)O<•ij<.aAVPi<Onj"
5#
19A i!*+W &*DW
AZ&*D`WAZ#9*.
Pg~i<&*D6Wn<h•j#8&
*D(Jp.`<6W
P<PXj<A /&*D( W€<€Oj#
1I.,*MA=<" !`WC
ZA4 6=W&<Wn<hhj4 B
/.PXj1Pij#
19A *'<WAZ(Jp`W<A
/( .Z #%M<*.,*M
A=4 WngPg<WAZ(Jp6
Wn<•nj<( Wnn<nPj-
Wi<P•j<AW•<iij#
*&[2$\-;G
#
EC84Y*"<("4WngPgG&*7(!
#9&=<A=B.<&8J+
6B*52 <*'0%./<
!./.!&,'!/! &
'() *)(+.&,'!#
9A ?W;G< *D!8*@
*''/FmA *!/7,+
/ )!89><'+"*7 *D
89>#9F, ,*MW+.&=
I!,T)&AA.3 !
!89> +AeH/!<'?&=
a*3#I](<4B.&,
< C&<(D/ ]!4k/l 2
!4B.2 #p C&< *D!
8*@'+vA5!9%9p*)() /)W
!<G*'<&A4B"*77A,H#I3,<
*D!N'ANvA5<!
+(,T)&AvA5!*)() /)
W !#9A,589>"+‚% !
Pg~nggh89>"+FFyK&89>
"++/9 %+L*M#9A?*3
</!*@3*.AeHA#
y,A)&&H/!<
A A(7*DA *3*)
() /)W ! /!#9&=<AN
!<8*@/7,vA5/)W
! &'*)()
(+&,'!
1J8ƒ%y P•~PgWnggh0
9)6D*3„9"!*tJW
9ƒ%y*@(mAA3(7(„#JH
<4/vA5 ƒ%y&Xgg6*3 P•#Pg<4!
PX#Pg*@.vA5‚%P#•gg6
*3<6C/ )€gg6*3 4
5/!*.AeH)Q#E5Hƒ%yA)
/!<*.PX,&PX#Pg<2 C/ )
Xng6*3#C&<"Dƒ%y*@A) ,YH
A &P•1PX#Pg/ )P#ngg6*3</M)(
#
9*
%/.A)*+&*V+AeH]
9.2 !(MD4Zƒ%y FA<&PX#Pg<
9*E=…9U*@AW()'As/.'A=
#
JW()9*09*
/.*!*+&*V+HJ…< *M
"+‚%B!*H/4
*&0
$y) *) HY(J…< &(
V5/!/!YH 7
‚%*@/.#
$%A)*+&*<*e†V+AeH(J…<
&(,YH/,YH&=+#
1J89>"+F9FyWnggX0
9AH"+FF
y*@ %F&‡41x2414K‡x9L4=;&_
I%&PgAˆ[p#S )&*5.(4)
A=*G&H4Y*B!/6!
‡4/Z9A ‡x9*+#
%de'<!*&_978*@(m
A#?F&T*e ,*M&_
I%;(7(=G;*) =H/!
*@D@*.yAeHA,<d
@4*5ZA#
9Aq4'rAeHT)&A9>%ty
&PP~•~nggX<%!y*@'
F(! ./Q*70q9>%tFF
y/FH'(D 7 (&,<
‡ˆ[1xJ‰[919ˆ‡r#JC&<y
F(! *M/!&=#
y*)() (DHY/!<
4k*5 !*+&*#
1WngPP<=/H.!*Zn
4K/ P€j4 d/RWALJ!(!
q&r=.A ]4!H<L]*^]R
I1X)"+,"E*_
'$4:1X)"+,"IL*A_1E*N_1X
)"L*N_1E*O_
I3,<@4 &G*=A !*Y=
&(d*.A !(dA;
8*!{WPj;Phj=P•j~W
(A+@4&*DHYP•j
?"9(I1X)"-L"I
A]*]
&!
E@4!
E@4!.
/
gP~gX~ngPP P•j Phj
gP~g•~ngPP Phj Pnj
g€~gh~ngPP Pnj Pnj
P•~gn~ngPP PPj •j
gP~Pn~ngPg Oj •j
gX~PP~ngPg Oj •j
gP~PP~ngPg €j ij
>**H6&4.]„(„H
!<B*e!&=+
7*7PP%=G*.]7A,
</H.!#
N &[62$\2`
19A ()/.&<!)W<!
#89:/F &*M(d*.[6
A A,54!.
189:&6 ['*)() (.
/ (&!H*M(d*4!
A*&
O YB1X
9A G.<AA D&.GAV
FFTA !H/!
KAA !<AA /FB5*3<AA
zL#C&*H*]A. *M.*5
?AA *'() @A*,#JAN
F() *)<FA5F*F*!(=
5*3<4BT!5*3() @
*@'+e*f&!AM#
8&<4Y() @(d"k
C*!/M #%'M
A?'&.
&/FM /F'D5*3() @*/}#8
?<() @N*54YADA@A !5
*3<T&BA '!A7#[BW
AZ&D+ () @'M*54Y
*MvA5 )!7<( 3)?7
/F5*3T&B<()
4)f?7/.
</.= <!() M?
/./!#J<]d() @
*5* !;
WPOO•4 *@!&*5?ANGAV
C*!/M !#C&() @
7*<H5
! #
9F*5JAZJ%4!HK
L&_Vy) *ADD) _A
*&H*H5F< w&(914!cD
" &<a5%() @.•j4
\pt<A *''Xj&A <& .
nj#
9/= &<A *
nggX1nggO</5&5 *5
%() @'TWGW#.W
nggX6/ )g<Oaˆ[p< 4&*@W•+A
WnggO<*h<O€iaˆ[p<*3,a5 A
"B5%{W=P•<n•jA W
nggO<n+ 4i<•jWnggX#
I!eU<aAV5
*5%() @{'TW<;i<•jW
nggX<*@W=Ph<hjWngg€P•<n•jA WnggO#
92 CG)U5FJnggO<5F(
35<5() @<5G&H*7
<5.aAVA "5F
J#%M<a5FWngPgXi<ij\pt<5
%0••<hj<5() @0PP<hij<5
G&H*70g<O•j#9A Xi<ij\pt5F'
•n<nj\pt5 <B(! WngPP5
••<Xj
JAZJ%4!H'<4kA.!/ )
5&*5G)U'G)<*M'M! *5
3 A)5 #[ .5<
!]5F{!] ! !
G.JA ,4k]#
[ !!"{=CAV*H&
#yD9;*AD4)(! H
*D;*) A &() @&
TJA ,+*&#
92 yD9<,+*&5!
A4!ZYJ*@'H"
!K)A *@BT*
!*. !"G.L
*@] J@* HyD<
!6<ABD9#Š*M*A!() !
/ ) 4H/!<@4B/R
*@KB4B7A,L<, &K( 3,
L*.PXW<CngW#
9&=<*M.C&*5!/ )
&!*5BT=A=*H&=+.
)'() @%<MyD9 ]
J#
yD9{/!&'
;*) <*H7(! ! G%F6<
ABD9#Š*M'(!TYU/7,*
&#
+1"a
8 *D *D&.