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Ngin hilrg trinh biy circ baio clur tli chinh bing dirng ViCl Nitrtr (VNl)) thco l-ulil citc lo chirc
'l'in clung. l-Lriit sua dOi vi tta sung mdt t6 diiu t',rng [-Lril cl'ic l6 chiLc"l in clung. circ chuarr
toirn Vi,^t Nam vir IIC thirng K6
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ht th6ng k6 todr.r cira Ngin
hbng. rrjt cr
e
ic
nghie p r u
tl"i
phit sinh cua t.vgin hittg
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lodn thco nguydn t6. 't'ai thoi di6m cuCri nlm. tiri san vir cOnl rrri eri r"Ltott Sue n.:o;ti lrr duoc qLry tliri
.,1ng
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t\ Sii t1rr1 dinh rirr, 11siqy lip h:rng eir J,'i
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_giao dich rnua bin ngoai t.^.
duoc hach toiitr vio birc clxr Ket qur ll()rt rl,h,: Kirtlr rl,r.u)h \'ar ltri nhuan dC lai. ('henh liclr t} girl
bing ngoai
phrt
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li
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s.
lr tlt,, rl,rrrt.lr .r,
lip bio cio tiri chinh.
Chfng kho6n diiu tu gifr'd6n nghy tlio han
Chung khoiin no giir d0n ngirv dlo han lir ciic chinrg klrofir r(r
toirn c6 clinh hoic cti th6
ki
lrrn
xic dinh clrtrr-c vi tlan l6ng (iilitr d,,e (('
ng)y ddo han. N-{in hiurg clang ghi nhin cric chinrg khoirn nirv thcir
chir phin b(1. Gid tri phu
\
e..',
tlinlr
r
l
eric klroan llranlr
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du
gir'r lr-i
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glri s0
lar
curL
l-ii duoc drr thu hoic phin b6 thco phrnrng phip rluirng thiurg. (ihfnrg khoittr tlLtoc
giir din klti .lro hlr si .lrri.,c xcrn r.it ri klr.r nrirrr ri;rrr :'iri. ( lrrlttl klroritt Jtti.t,. liif (llt fh,'r):r "i rtl
khoin
gin khi
dil
trr.
gii tli thi truirng nho hin
gih tr-i ghi sir. l)u plring. giarn gih dtLoc ghi nhin
qttr hoal J,irtS kirth tk'rrrlr.
6.
Chring kho:ln diu tu' sln sirng d6 b:in
vlo
hiLr e :Lo ket
:ir$
SFIIi
Ngiin hirng'l'huong m3i Cii phAn Siri Girn - IIir Ndi
giarr kh6nl irr tlrrrlr
Chung khoiin diu tu sirn siing d6 b/rn lir cic chiLng klroritt dLtoc giir' trong thiri
llra\ (la)i
1.r(ic. cd th6 6uoc bnn d6 dip ugs nhtr ciu thlnh khoan ltol'tc dt ir'ng ph6 vtii tr.ttirng hop
lii sr"rir. ti giir. hoac gii tri chrlmg khohrr. Ngirr hirns danc ghi rthin cltc cltinrc khoiur rril'tltco rlii
lli chir phin b6. Giri tri phu tr-iri hoiu: ehiet kh.rtr (rralr eo)e itng clutrc phrtrt
h,' tllc(' l)htrtll! plliip 6Lrirllg
;uh v)o gih tri ghi sti c,l khoa' diu tu. I-ii dr-Ltrc tltt thtt ltlrte
'hi'
g6c c6ng lai du rhu triL
Llrirlg'Clltcclriurgklrollrrltitl'cluocddnhgiidinhkj'thctlgilrtrithitr'u'trtrgr.itdtLplrdnggiarngilitli
gii cltLtrc ghi rthAn r lio biirr
se drrr,-c lip k6i giir tr.i 1hi tnLt)ng lrho hon giir tri ghi sri. I)Lr phirrrg giarn
cdo kOt qua hoat cl6ng
7.
kinh doanh
Chrlng khofn kinh doanh
khtrjn brn ditt tlLr,e Ittrta Vi ttatr Siit cho ntlrc clich kirrlr doanh
hirng dang ghi nhirr citc
trotrg ngirn han hoirc ncr-r Ilan 1'6ng (ii6rn d6c qu-vir tlinh nlrtr viiv. Ngin
giao tlich. 'l'r'o.g clic ki ticlp thco. cic chiL'g khorirr tiil' tLru
kh.1ur niry thco giir g6c viro
CihiLng khohn kinh doanh lii ehung
chrirrg
'giry
e;tr clttttll kll'ritl r ritl tlLtt'c Ngin hills
ducrc ghi nlran thco gid g6c. t'uy nhicn. giri tri thi truirng cttrt
giirn giii khi giri tLi thi trttt)ng thip hc'r gid g6c Ngoai trit ltLrir'-e
theo d6i de dh'h giri vd khi
hop kh6ng th6 xihc clinh gid
'ing
tli thi lrurnq rnot eich clric thin thl gii t|i
lren ngu),er] giir sau klri rrir di t6lr
tlrr.c ghi nhan rr'cn bir
8.
ci.
thlt u6c tinh
cua chirng duoc tinh dua
(n6u cir). I.ai hoirc 16 tiL kinh tltllttrlt ch[rtrc kholtr
k6t qna hoat d6ng kitrh dttttth tlte' stl tltLri'.
Cdc kho:in cho vay
Cic khoan
Iian c5
tre n 5
cl.ro vay ngdn han c6
kj.hal tir I
nf,1.r d61 5
kj
han ducii 1 nf,rn: ciic khoan chO r'ly vii cho thue titi chinh trttttq
1im vI cic
khoiir.r cho vay vir cho thu6
tiri chirrh
tlii
han cti
kj
hitll
niun k6 til ngir,v giai ngin
Vi6c phiin loai no Vir Llip clu phdhg rtii ro tin clung cltrtrc lltttc hi"^n thco Quvet tlirrlr s,r
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thdng;l niul 2007 cua'l'h6ng d6c Ngin hirng Nhir nurlc ViCt Narn. C-'ic khoan clto vay tlLttc pltitr
sltl:
rhirr-lt ninr ttlt,jtn tt,.r crtn c[t r lo tinlr hjrrlr lril Il(.Y \ it tJc \''tl l"' ..lirrll tirrlr tlhtr
Nhdm
L
No tlu li0tt chutrtr
o
( .ir.kll(,Jr)
girc
It(.r
utlnl
lr;.tn
rttr Nclrrr ltirrrr'.llttlt :irt lrt.,, tltt klt;t tt;ttll tltrr lriri cllrr .lt'.'r
vi lii ding thiri han;
khoal ntr qgd han dtriii lt) n-rir1,r'ir Ngin hirng clirnh gih lir cti khi nlrr3 tlrrr h'ri
diy dn gtlc vii l1i bi quri lran vir thu hOi day lu girc r ii lni dirng thtri han cirn lai:
o
Nhhn 2; No
Cl:ic
cltirt cltLi
o ( rr. Urlrut
i
It(Y
(ltlJ h:ll) lil
|
() IrSil]
J:l)
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:
rl:r"rl
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hing'l'huolg miri Cii phin Sili Girn - llir
.
N6i
(lhc khorirr rio dieu chinh kj'han tla no
lin
clir'r:
han trii llo lrolle han lltc'r tltiri hlrt clrtte e'r crtlt lrti
o (lirc khoir.r n,r c,r cAu lai thrii
Nh6nt 3: Nrt druii titu chtttirr
o ( :tt kltrrutl
llt.r
(ltlii l)Jn
o(
llr.r
\r,
lc-,'
o
klrorr
ric
tLr
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ul
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lX{rtl":lv
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lin diu phiin loai vlo nlttjltr
rr,., l.irr .lrrrr.
lrir rrr. klt,r:ttt ttrr.liirrelrrrtlt
ltrrrrtt.r
2:
(-.irc
kho., lto drLoc mi6n hoic gi:itn llii do khhch hirg
thco
ltt-,*P
i16ng
ki
khOng du kha uing tld
llr tlir
tltr
tin dung:
Nhim 4: Ntt rtghi ttgi
o
(}ic khoin
.
Claic
trii ntr
.
Nh6m
ntr qud han tiL
khoan no co cru
clttc-r-c
tj klur niing tnit
Ntt t
thoi hrrrt rrrr rr,, l,irr tliLr cluh han duo-i 90 ngiy tltco tlliri harl
ctr cAtr lai liin dAu:
(lirc khoan ntr ct' c:irr
5:
6i
1tlI clin 360 ngirl'l
t
lri tltiri
han ttrr ll(r lrlll llliL llai:
in
o
Clic kltoan tro- qlli han tr0n 360 nga-v:
o
Circ khoan Iro c(r eitu lxi thiri llrn
han tra
o
ncv
cluoc ctr cAu lai
Clirc khoan ntr ctr c;.ltr
tll
nt' l;rrr tliu
qr-Ld
han tir 90
rlgiy trir
lOtl thco thiri
lin diu:
l+i thiri h;rn tlr ll(t l'rll tllil lrni tlui ltarl thco thiri lt:rll trri tltr thxrc
u,i.,irt I;ti litr tlttt lrli:
.
Cdc kl.roan
hoac da
.
qui
Circ
n.
ccr
cir, lal thiri
lrmr
t*
nir lin thit ba trtr 16', kc ca chua bi
qtrr't
ha'
han:
kloan
ntr-
khoanh. Iltr chir xtt
I1i:
r.r Qrrrit 'lirrlr 'i'
hco Qrrvir JiDh .,o -l,ll/10{):/Ql)-NllNN ngrrl -" lltrttt:' l rrirtt 20{r5
no c|-rii ltan' t6 chitc titt tLLttrg
l8/2007/QI)-NIINN ngiry 25 rhrrlr 4 trirtt 2OU7. Jiri r t'i c/ic kltoatt
'I
cliurh gii lir c6 du kha rrirng thLr hrrr Jir
phiin loai lai Vio r]h6n no- c6 rui ro thip hcrn khi Ngin ilirng
nguydn hirr lirr kltoarl llir uity
du ca g6c vi liti: vir khdch hing cri tii licu. h6 str chinrg milllt cilc
qLrl'6t dirlh phin Ioai ciic khodn titr r io cltc
quir han clurrc xiL ly. khac phuc. Ngin hirng chir rlirng tLr
ol1g ciic lt tLimg htp satr di1':
nhrir' uir rui r.o cao h(nt tuo-ng Lln q r tri rn lrr dtl ru i t, , klt t r;Lv rlt nlitl lt
.
Khi cri nhlurg cli6n bi6n bit kri tu rirc clirrg tielL
ctLc cl6n
m6i tlua)lls kil)h ckrlttrlt
linlt vuc kinh doanh:
.l
ra
:..1iSIIIt
mli
NgAn hhng Thuong
C6 phnn Sni Girn - Ilir N6i
Ciic chi ti6u tiri clrinh cua khirch hirng hol-rc khu rliulg tra ntr ctra khitch hitrlg bi
o
sLrr
gianl:
Klri.h Irrlg klrurrr etrrrl cip r'lr,r NLrrtr lrttt;' tri. llr\'tr: litr tiri .lrrltlr kip tlri'i.,l.rr
.
.lLr
r') chinh xic dd Ngin hirng dlinh gid kha nan-l tra n(t cua kh/tch hing'
Dg.phirng rrii ro tin dung: Vi"^c tinl.r du phdng
cr-r
th6 clrroc ciin cir tr6n circ 1i 16 iip dr.rng cho
tinrg nh6nr :rtr Itltu sau:
'l'i'
Nhirm Loiri
16
du phirng cu
th6
I
2
3
'1
Ncr du tie u
Ns cin chi
chuin
2(Y/c
ngir
5O',1'
l(X)i
Nq c,i khu nnllr: tlllit I otl
5
9.
nghi
5(/('
1i
Ncr duo-i ti6u
Nt1
o(h
chuin
'l'iri sin cii dinh
tlri hiirr tlrco rrgurirr riri trrr.li kllirr Itrt,r lttr ki. NLttr,'rt r'irt lr.lo J'rlrr lrr'llr
di6rn drra tii snrl tlir
bir c6c chi phi rnir Ngin hing phai bo ra di eo clutrc tri s:rn.i, clinh tirth clc{n thivi
vio trang thhi sin sirng siL tlung. Tiri sirn c6 dinlt cltrirc tinh khiu luo thco phLxnrg phL'rp diri rg thltng
lii
rrrrr r,'r dirrlr drl.rc
d0 tt.u clin u-!ruy0u giai lali siut trollg sutit
Nhi cua. r'it
MJy
_
,,l
lnoe . ln
thrii gian hiiu tltttlg rkic tiltlt tthtr sau:
l0 - 25
kiOn trirc
03 - 05 ttiun
.
lct nl
06
- Phuoug tien vin tai
I)urtg etr tlr.ratl 11'vi pltitr nrittl till
euyin
nhAn
sLL
clung
dlt duoc khiu
nanr
lroc
10
niur
03 - OlJ nlint
hao lhco phrrtrng phhp cltLin-e tltitrg phir htrp vtii (ii;Lr
quyin su dung dit. euydn su dung dit \'6 thoi han clut.re rlri rthiin thco giri
g..re I
i
citLtrr,.r
kh6ng tinh
khau hro.
10.
Tiin
vir cdc kho:in turmg durr'ng
tiin
riin vl cfc khoan lur)ltg tlutrtt! tiirl bao g6m tii:rt. kirn loai tltr{'
vi clh qu;i, ti6n gui rlranh 1o:in tat Ngen hirng Nhir rtuiic vi"^l Narn. tien gui kh6ng k j' han r ir co ki
han tai cric ngin hir]g khdc cti thiri han diro han kho g qtrii 3 thi[rg k0 tu ngiry gtti.
.l.ron
11.
blio c:io lu.u chtLl,in
tiin
t6.
Cfc c6ng cg tiri chinlr phdi sinh
.)
:,,,r.:]
sl-l
NgAn
13
hlng l'huong mai Cd phiu Siri (lirn
-
lli
Ndi
tii chinh phiri sirih duoc ghi nhin trcn bi g ciin diri kC tolin thco -!.iar tri hop tli'rr': " rr' '
rrlttrrirr h,'r.r. li-' klri L.r\ ."lr'-'(r.l
Igh1. uruo ,li. h. rl:ltr c],, ilrroc.hrrlr r:iri l:ri theo giri trilr,.rP lr.l.,.'i
Cdc c6ng cu
dollt kitllt tloltrlll l.iri
tiri chinh phiti sinh tllrirc thtLc hi6n clurrc ghi nlrth tr
l.rch d/rnh giir lai citc c'illg ctl 1il1
nhuAn hoirc lir chtra rhr-rc hicn dr,rtr-c ghi nhln vilo khoitll tttttc clttllll
drrng kinll tltretlll r irr
chinh phiii sinh tr6n bang ciirl cl6i k6 to/ur vir dtroc k6t cllLtVttl Vlto kct cltra hollt
tiriri ditm cttoi nittr.
12.
(]hi nhjin thu nhiP/ chi Phi
lii
Ngin hing ghi nhiin thtr nhip tir lai rir chi phi llti
clturc
ghi nhan tlen blio cixr k0t quit hoat tkrltg
kinh cloanh tr0n co so du thrr. clu chi.
l.r. (lhi nhiin thu nh:jp
Ngin hirng rhu phi
rt
lil phi ra hoa hrirrg dich ru
circ dich \rLr c.1.1g cip cho khicS
hi'g. 'l h. nhip tir p5f c(i the chilt llraI'h
circ nh6nr strt:
phi thu li.viQc cu,rg cip dlch vu trortg nQt lhiti girtn nhil dlnh: I'Iti thLt tit r tt-t
gian clii l)hi rral'
c.ng ciJr clich vu trong rnor thiri gilrr nlriit tlinh tlLrt,c dtr tlttt ltoug sutlt thrrl
dcn cip tilt rlLrrlg'
bao gorn phi qlratr I)i. phr rrhjn u1,tltlu. hor lr,-,rl-t vir clic phi lion clltarl
.
quanlliririsirrr.phicluanlydal-rhlnucl,icltccltipltitltrltrtIltitnrnllullhltrrrilrrkhilc.
o
I'hi thu tir vitc cuttg crtp dich t'u !:iao tlit:h: I'hi phlt sinlt tit r. i'^c clirn phirr vi
lirt
tliarrl
Lirr'jlro tli.tt.ltt' tnrlt hitr llttl I'rt' rtrltt ttlttt rlrttt riP \ii'( lrltlir ''i' plrirr l""r'
gilLo tlich
c5ir1g khoiur khdc hoirc mrra lai clorrrh nghiil, . ,.lLr,.,r 3hi rrhjrl kllr h,'.rrl tit
rlrrttt phritr
ciic loai
cirtlg
lien c}ru.r. Phi hoic rn6t phin cua khoan phi niv cti liirt rluurt di'tt r itr. tltrte ltitrtl nt61
vi6c nhit dinh sd dr'toc ghi nlrirr khi holn trit tlierr ki"^n tuorlg [r'r)g
lii.,.-.'-.i
SFI
li
NgAn hing'Ihu'ong m4i Cd phAn Sii
11.
Gdn'll:\
N6i
'l'idn mit. virng b4c, dri quf
'['i0n rnirt battg V NI)
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