Để công tác thanh tra, kiểm tra các tổ chức tham gia bảo hiểm tiền gửi đúng quy định và phát huy hiệu quả

~q
~ECONGTAcTHANHTRA,KIEMTRAcAc TOCHUcTHAMGIA
?

,,?

,,'

'}

,

""

'}

8AOHIEMTtENGtnDUNGQUYDINHVAPHATHUYHIEUQUA
.
.
ande thanhtra, ki~mtra eaet6
chucgiamgia baohi~mtien glti
hi~nnay .
Ngay01 thang9 nam 1999,Chinh
phuaa ban hanh Nghi dinh so
89/1999/NEJ-CP
ve bao hiemtien gui.
Khoan
2 EJieu13 Nghidinhcua Chinh
phuvebaohiemtiengai,quydinh:"To
chucbaohiemtiengaidlIqcquyentien
hanhkiemtra vi$c chaphanhcac qui

d!nh
t~inghidinhnaycuato chuctham
giabaohiemtienglri".EJieud6c6nghia

V

Tr~n Lny~n

*

glri chot6 chucbaohiE~m
tienglrichUng
t6vi$Ctrl!ctiepthanhtra,giamsatcacto
chucthamgiabaohiemtienglrilanhi$m
vI,!cuaTTNHNNmaml,!caichcuoicung
la g6pphanbaodamantoanh$thong
cacto chucthamgiabaohiemtiengai,
bao v$ quyenva Iqi ich hqp phapcua
nglf(1igai tien, phl,!cvI,!vi$cthl!c hi$n
chinhsachtient$ quocgia.
Chonen,m~cdaut9i EJieu12 Nghi
dinhcuaChinh
phuvebaohiemtiengai
lavi$ckiemtra cuacuato chucbaohiem
c6
neu:"khiphathi$nto
chucthamgia
tienglri doi vm cac to chuc tham gia bao
baohiemtiengai
vi

ph9mcacquydinh
hiemtien gai dlIqc giai h9n trong nhung
veantoantrangh09tdqngnganhang,to
dieu,khoanda quy dinht9i nghidinh nay
chucbaohiemtienguicoquyenyeucau
macacto chuc tham gia bao hiem tien
to chucthamgiabaohiemtienglri thl!c
glriphaithl!c hi$n,Cl,!the nhlI: phainiem
hi$ncacbi$nphapchanchinh,dongtMi
yetcongkhai ve vi$c tham gia bao hiem
baocaovaiNganhangNhanlIaC.Trang
tienglri t9i trI,Jsa va cac diem giao dich
trlIanghqpxetthayh09tdqngcuacacto
(khoan2 EJieu2); phai thl!c hi$n dung
chucthamgiabaohiemtienglric6nguy
mucphi bao hiem tien glri, phai nqp va
ca dan den mat kha nangchi tra, that.
h~chtoan khoan phi bao hiem tien gui
vaochiphi h09tdqng (khoan1 va 2 EJieu thoatIanve tai san ho~cco tac dqng
nghiemtrQngtm cac to chuctin dl,!ng
6);phaithl!c hi$n dung so Ian nqp phi
baohiem trong nam tai chinh (EJieu7);
phainqp cac bao cao theo quy dinh va
phaibaa cao ngay khi g~p kh6 khan ve

chitra, thay doi thanhvien Hqi dong
quantr" Bankiemsoat,Tonggiamdoc
(Giam
doc)vathaih9nphaigai cacbao
caotaichinhnam(khoan1,2,3EJieu11),

khac,thito chucboohiemtienguico

T~ cut NcANIIANc- s6 3NAM
2004

Thlrhai,khiTTNHNNthl!Chi$ntrach
nhiemcuaminh,cungcapketquathanh
tra,.giamsat cacto chucthamgia bao
hiemtienglri choto chUcbaohiemtien
gai nhlI da quydinha khoan3 EJieu13
trangNghidinh cua ChinhphUve bao
hiemtiengai,vaneuthl!csl! cactochuc
thamgiabaohiemtiengaicoviph9mthi
quakhaithaccacket quatren,to chuc
baohiemtiengai saphathi$ndlIqcvi$c
to chucthamgia bao hiemtien glri vi
ph9mcacquydinhveantoantrongh09t
dqngnganhanghayc6nguycadanden
matkhanangchitra,thatthoatIanvetai
san ho~cco tac dqngnghiemtrQngtai
cac to chuctin dl,!ngkhacde co bi$n
phapxu Iy phuhqpmakhOngdIn phai
trl!cti€pkiemtra nhCtng
nqidungnay.
Tai Dif~u 5 Quyet dmh s6
64120011QD-HDQT
ngay29tha~g8 nam
2001cua H6i dongquantr! Baahiem
liengiri Vi~tNamquydtnhnQidungkiem

tracuato chlrcbaahiemtiengiri d6ivai
cacto chlrc'thamgia baahiemtiengiri
/;3:

quyenyeucaucacto chUctham,giabao
1/ Kiemtra viecchaphanhcacquy
hiemtien gai co bi$nphapchanchinh dinhcuaphapluatve baohiemtienglri:
'
'
':!
'
kip
"'
'thai,dongthai
. ' ' A baocao
'
, ' Nganhang'
:!
a) H0 sa dangky thamglabao hlem
Nh
b
h
ap"
11I kh

a nlIacco I~np apx y anc,

bao hiemtien gui kiemtra nhCtngnqi

dungnaymachidlIqckiemtramqtso

nqidungtlIangtl! nhlIdadlIqctrinhbay'

.~

?

~'

~

thi dieunaycOngkhOngc6 nghiala de
phat hi$n dlIqc nhCtngvi ph9m,thay
dlIqc nhungnguyca neutren,to chuc.
COngt9iNghidinhnay,khoan3EJieu baohiemtienglri phaitrlfcti€pkiemtra
13quydinh:"Thanhtra NganhangNha cacnqid~ngcolienqu~n~e~nh~ng,vi
nllaC(TTNHNN)c6 trach nhi$mcung ph9m,~hW;gn~:!uy
~~do~~IC?Ct~chl1c
capket quathanhtra, giamsat cac to thamglabaohlembengl1lmachidlIqc
chucthamgia baohiemtiengai choto kiemtra motso noidungtheoquydinh,
..
,
. chucbaohiemtiengai;phoihqpxaIykip d .
o.
thai cacto chucthamgiabaohiemtien
Thlr nhBt,nhCtngnqi dungvi ph9m
guic6 nguyca matkhanangchitra,vi neutrenkhong
thuocquyen
kiemtracua
:!
'

.:!
'
:A'
",
ph9mcacquydinhveantoantrangh09t to chI1Cbao hlem tlen glIl va ngay trang
' .
'
'
'
~ '
a(mgnganhang,c6 tY 1$nq qua h9n Ng!h a!nh cua ChInh phu ve bao h'A'
lem
cao",
tien glri cOngkhOngquy dinhchoto chuc
Vi$c quy dinh TTNHNNc6 trach
nhi$mcungcapketquathanhtra,giam
satcacto chucthamgia baohiemtien

a phandaubaiviet.

",

tlenglIl,
b)Tinhvanqpphibaohiemtienglri;
c) Hosa,tai li$u,sosach,chUngtlI
lienquandentienglridlIqcbaohiem;
d) Ho sa,tai Ii$uso sach,chungtu
lienquandencackhoanhotrqtai chinh
cuaBaohiemtienguiVietNam;
':!

",'
'
.A
'
2/ Klemtra VI~Cchap hanh cacquy
dinhve an toan tranghoatdongngan
h~ng:
. ,
'
T
h
kh
d
a) rlIang
qp
.
ong lIac
. ch0 vay
'
,
vahanche tIndung;
A

'"

'. ,,'
,b) GIOIh9n cho vay, bao lanh;

c) Gimh9ngopvon,muacophan;

.

Ngan hang Nha nvoc Chi nhanh

Quang Ngai

27

~


~q
d)TY1$baodamantoan;
enrfch I~pdl! phongruiro;
DCacquydinhvequantrjdieuhanh.
Thl!chi$nQuyetdjnhcuaHQidong
quantri SaohiemtienguiVi$tNam,cac
to chucbaohiemtiengui da lien hanh
kiemtra cacto chucthamgiabaohiem
tien gui, d~cbi$t 113
d6i vai cac quytin
dl,Jngnhandanthuanghayduqc kiem
tra.Quatheod6i,d6ichieugiaaketqua
kiemtracuato chucbaohiemtienguive
nhangvi ph9mcuacacto chucthamgia
baohiemtienguimad~cbi$t113
nhangvi
ph9mthuQcnQidungkiemtra thu 2 vai
ketquathanhtracuaTTNHNNdathanh
tra truacd6 thi ca ban113

nhu nhau.Vi
v~y,vi$cto chucbaohiemtiengui kiem
tra nQidungthu2 trungI~pvainQidung
thanhtra cuaTTNHNNvCIakh6ngcan
thiet,vCIagayphientoaichocacto chuc
thamgiabaohiemtiengui.

duqcchanchlnhkipthaisedandenvCIa
vi ph9mChithi5622/2001/CT-TTg
ngay
11 thang9 nam 2001cua Thu tuang
Chfnhphuvechanchlnhcongtacthanh
tra, kiemtra doanhnghi$p;vCIabu6ng
longquanIyvi$cchaphanhcacquydinh
trongho9tdQngng8s1
hang.
Mgtvai kiennghi
£)econgtac thanhtra, kiemtra d6i
vai cacto chucthamgia baohiemtien
guidungquydinhva phathuyhi$uqua,
thietnghi,canthl!c hi$ndungcac quy
dinhhi$nhanhc6lienquandencongtac
thanhtra,kiemtravac6sl! ph6ihqpch~t
chegiaaTTNHNNvaito chucbaohiem
tienguitrongvi$cthanhtra,kiemtracac
to chucthamgia.baohiemtien gui, CI,J,
the 113:

MQtla,to chucbaohiemtiengui chi
nenthl!chi$nvi$ckiemtra cacto chuc

thamgiabaohiemtrongvi$Cchaphanh
M~tkhac,do mQt56nQidungthanh cacquydinhtrongNghidinhcuaChfnh
tra,kiemtratrungI~pnenthuangxayra phuve baohiemtiengui maca ban113
tu tuangchuquan.NainaomaTTNHNN cac nQidungkiemtra da duqcneut9i
chorangneuTTNHNNkMngthanhtra khoan 1 £)ieu 5 Quyet dinh 56
ngay29thang8 nam
thida c6to chUcbaohiemtiengUikiem 64/2001/Q£)-H£)QT
tra cacto chucthamgi~ baohiem!ien 2001cua HQidongquantri Saohiem
guivanguqc19imakh6ngthl!chi$nvi$c tiengUiVi$tNam.C6nhuv~y,vi$ckiem
thanhtrahaykiemtrasedandentru<'1ng tra cuato chUcbaohiemtiengui vCIa
hqpkMngft to chucthamgia baohiem dungquydinh,hi$Uqua 19ivCIakhong
tienguinhieunamlienkMngduqcthanh chongchaovClinQidungthanhtra cua
tra ho~ckiemtra.Vi$cnay,neu kh6ng TTNHNN.

Cae eong ty tai ehinh...
(Tiep theo trang 62)
..Phattrienh~thongthongtin,congngh~hi~nd<;li; dichvI,!
moira doiphaitrennentangcongngh~hi~nd<;li;
c6nhuv$y
moic6duc;lc
succ<;lnh
tranhtrenthitruong.
..Tuyendl,!ngva daot<;lo.
dQingOcanbQco trinhdQnang
hfC,nh<;lybenvoi thi trllongva co khanangtht,lchi~ndllc;lc
nhungdichvI,!taichinhtient~hi~nd<;li,
tamcoquocte vakhu
v~.
.
- E>aym<;lnh

quanh~ hc;lPtacvoi cacto chuctai chinhtin
dl,!ngtrongvangoainllocdetraodOi,hQct$pkinhnghi~mho~c
phoihc;lP
trienkhaicacdichvI,!taichinhtient~;
Moicongtytaichinhc6bllocdithichhc;lP
riengcuamlnhde
phattriendichVI,!taichinhtient~tuythuQcVaGdinhhllongpMt
trien,quymovadieuki~nhO<;lt
dQng.Tuynhien,detht,lchi~n
totnhi~mVI,!nay,khoiIllc;lng
congvi~cmacaccongtytaichinh
phaithl!Chi~nla ratIon.E>ieu
d6doihoibenc<;lnh
vi~cnoIt,ic
cuabanthancaccongty tai chinhcOngcanst,lquantam,ho
trc;lcuacacCdquanquanIy c6lienquantrangvi~cxaydt,lng
cdcha,moitrllongpMp Iyvakinhdoanh;d~cbi~tladoivoicac
tongcongty chuquan.
28

Hai la, ngoai nhCtngnQidungmato
chuc bao hiem tien gui duqcquyenth~c
hi$n kiemtra nhu da neutren,nhcmg
nQi
dung con 19i,d~c bi$t 113
nhCtng
nQidung
lien quan den vi$c cac to chucthamgia
bao hiem tien gui chap hEmhcacquy
dinh ve an toan trong ho9t 6<)ngngan

hang,to chuc bao hiemtiengui canph6i
hqp vai TTNHNNde nambat thOngqua
vi$c cungcap ket quathanhtra,giamsat
cuathanhtra. Trongph9mvi trachnhi$m
cua minh, TTNHNN can chi 690 cho
Thanhtra cac chi nhanhNHNNtlnhthllc
hi$nva cungcap daydu, kipthaiketq~a
thanh tra, giam sat cac to chUcthamgia
bao hiemtien gui cho cacchi nhanhBao
hiemtien gui trong khuvl!c. C6nhvv~y,
vCIatiet ki$m duqc thai gian congserc,
tranh duqc nhangphientoai khongdang
c6 cho cac to chuc tham gia baohiem
tien gui; vCIaphat huyduqchi$uh/c,hi$u
qua cua congtac thanhtra, giamsateua
h$ th6ng TTNHNN.
Ba la, hang nam, to chuc baohiem
tien gui va TTNHNNcan c6 51!ph6ihqp
de c6 ke ho9ch thanh tra, kiemtra phu
hqp.£)~cbi$t,vi$c thanhtra trlfctiepeua
TTNHNNcOngnhu kiemtra trl!ctiepeua
to chuc bao hiem tien gui 66i vdi caeto
chuc tham gia bao hiemtiengui nentien
hanh c6 tr<;mgtam, trQngdiem ho~ckhi
xet thay c6 dau hi$u vi ph9mphaplu~t,
tranh vi$c thanh tra, kiem tra khi ehva
th~t can thiet..

MOtvaiki6nnghj
£J6ivaiNganhangNhanuac:Tieptl,!Cnghiencuuvaholm

thi~nmoitrllongphapIythongthoangchohO<;lt
dQngcuacac
congtytaichinh;banhanhcacvanbanpMp quyc6lienquan
quydinhvahllongdantht,lchi~nmQtsonghi~pVI,!moinhllbaa
thanhtoan,moigioitient~,cacdichVI,!uythacvonvataisan,"
£J6ivaicact6ngcongtycM quan:
..Tongcongty t<;lO
dieuki~nvallu tienchocaccongtytai
chinhcungcapcacdichVI,!taichinhtient~macongtytaichfnh
co khanangtrienkhaiva thl!Chi~ntot nhll tll vantaichinh,
thamdinhkinhte,thuxepvonchocacdl! andautll...
- Tongcongty thidiemgiaovauythacchoca~congtytai
chfnhquimlymQt phanvon cuatongcongty cOngnhllv~n
hanhh~thongtient~t$ptrungcuatongcongtytheonhllnhi$m
VI,!da dllc;lC
ghitrangE>ieu
I~hO<;lt
dQngtren nguyentacdam
baoantoan,sinhloi c6hi~uquacaonhatvadapungvoncha
cacddnvitrangnganh.
PMt trientot cac dichVI,!tai chfnhtien t~ se la mQtthe
m<;lnh
tranghO<;lt
dQngkinhdoanhcuacongty taichinh;dong
g6pmQtphanquantrangvi~cxaydl!ngcactongcongtyco
tiemIl!ctaichinh,kirh doanhdangfmh;thl!Chi~nml,lctieuhlnh
thanhtap doankinhle manh..
.
~
T~ all NGANIIhNG

.. s6

3 NXM
2004