Văn bản-Pháp luật - NGÂN HÀNG NHÀ NƯỚC VIỆT NAM CHI NHÁNH TỈNH KHÁNH HÒA

LONG HOA XA HO CHID NGHIA VItT NAM
DOc 10p — Ty do — Hynh phitc

THONG TI!
Hwang dAn ye tin dyng n0i bq hqp tic xa
Thong to s6 06/2004/TT-NHNN ngay 27 thing 9 nam 2004 dm Thong d6c
Ngan hang Nha nuec Viet Nam hue/1g clan ve tin dung nei 1)0 hop tic xa, co hien
Luc ke tir ngay 17 thing 10 nam 2004, duce dm di, b6 sung bed:
Thong to s6 04/2007/T1'-NHNN ngay 13 thing 6 nam 2007 cna Thong doe
Ngan hang Nha nuec Viet Nam sea doi, be sung Thong to so 06/2004/TT-NHNN
ngay 27/9/2004 huang di.'n ye tin dung nOi 1)0 hop tic xa, c6 hieu lye ke tir ngay
20 thing 7 nam 2007.
Can ca. Ludt Hap Mc xa ngay 26 thcingl 1 nom 2003;
Can cn. Chi thi so 22/2003/CT-TTg ngay 03 thing 10 nam 2003 cua Thu
twang Chinh phn ve tiip tuc thfic ciciy viec thvc hien Nghi guy& Trung urmg 5
(Khori IX) ve kinh to tap the;
Ngiin hang Nha ?mac Viet Nam hitting dan y'J haat cldng tin clung ndi ba hap
tic nhu sat, :

I. QUY DINH CHUNG
1. Thong to nay huong dan ve tin dung nei be hap tic xa (duei day goi la tin
dung nOi be) ma theo do, cac hop tic xa sir dung von dieu IA yen huy dOng cna
xa vien cho cac xa vien cart mInh vay.
2. Tin dung nqi 60 la mot host &Ong phi fru trong hop tic xa, do tap the xa
vien dm hop tic xa to nguyen than gia va to chin trach nhiem ye ket qua hog
clang. Nha nu& Ichong chit' tech nhiem ve tai chinh doi voi nhang nii ro cua hog
(Ring tin dung nOi b0. Moi ton that ye von dm hog dung tin Ming nOi b6 do xa vien
va hop tic xa chit' trach nhiem xir 19 theo quy clinh coa phap luat va huemg dan tai
Thong to nay.

ca

Theme hr
04/7007/TTWNN sira_dtd_bLsung_Ttuang hr cA 06/70041TT-NHNIN ngay
27/9/2004 huffing din ye tin dung Oa 60 hgp tic xa có can cit ban hanh Diu sau:

"Can czi Ludt hop tic x6 ngay 26 tilting 11 nam 2003, Chi thi so` 22/2003/CT-Tfg ngay 03
thong 10 nam 2003 clic: Thai twang Chinh phia ye flip taw rink ddy Wet thou hien Nghi guy&
Trung yang 5 (Khaki LX) ve kinh to tap the ye de too dieu keen thuen Uri cho cac hop Mc trong
hoot clOng tin dung nei bo'; Ngan hang nha ;mew Viet Nam aim doi, bo sung mot so nei dung czia
Thong to so 06/200411T-NHNN ngay 27 thong 9 nem 2004 hiding dan ye tin dtmg nei be hop
tcic xii nhac sau:"


3. Muc dich cita tin clang nQi bQ la hop tac xa h8 tra mot phAn van cho xa
vien de san xuat, kinh doanh; khong vi Igi nhugn, nhung phai bao toAn dugc von va
bu dap du cac lchoan chi phi dm boat Ong tin dung nQi 130.
4. Ban quan tri hap Mc xa (sau day gyi la Ban quan tri) phai niem y t ding
khai van ban cam ket giita tat ca xa vien va Ban quan tri ye trach nhiem c' a Ban
quan tri va xa vien doi vgi ket qua hoat dOng tin clang not bo, cac cam ket ac phit
hap lied quy dinh tai ThOng to nay va phap lugt khac c6 lien quan.
5. Hap tac xa chi dugc sir dung mot phan von diau va co the sir d. g them
von huy tang cua xa vien dee cho xa vien vay. Nghiem cam viec sit riling On vay
cac to chitc, ca nhan khong phai la
cua cac to chuc tin dung va von huy dOng
hop tac xa de lam nguOn von cho vay. Trugng hap hap Mc xa am dai
xa vien
uS, thk ,cho vay theo hop deng SA ket voi cac to chirc tin dung khon thuOc
pham vi dieu chinh Cita Thong to nay.
Nghiem cam hop tac xa cho vay dOi vai cac to chirc, ca . nhan 'thong phai la
xa vien cim hap tac xa.

,

6. Giai thich met se tir ngit:
a. Th6i ban cho vay IA khoang thai gian dugc tinh to khi xa vien At dgu
nhgn van vay cho den thgi diem tra het no gOc Ira lai von vay da dugc tho thugn
trong hap &kg tin dung Oita hap tac xa va xa vien;
dugc
b. Ky han tra no IA the khoang thin gian trong thOi han cho vay
thoa thuan giva hop tac xa va xa vien ma tai cutii moi khoang thin gian A vien
phai tra met phan hoAc town b0 von vay cho hop tac la;
c. Gia han nq vay IA viec hap tac xa chgp thugn kdo dai them mot choang
thai gian ngoai thgi han cho vay da thoi thugn trong hop dong tin dung;
d. Dieu chinh ky han Ira no. IA viec hop Mc xa va xa vien thoaan ve
viec thay &Si cac Icy han tra ng da thoa thugn trugc do trong hgp tong tin dg g;
d. Cho vay c6 bao dam bang MI san la viec cho vay von cita hap to xa ma
theo do, nghia vu tra no cua xa vien dugc cam ket bao dam thus hien bang tar san
cam c6, the chap, tat san hinh thanh tir yen vay cua xa vien hoc bao lanh ang tat
san ciia ben thin ba.

II. QUY DINH CV THE
1. Hop Lac xa va xa vien vay vein phai bao dam nguyen tac•
a. Thgc hien dung quy dinh cua phap lugt va hugng dan tai Thong to itay;
gee
b. Xa vien phai sit dung von vay dung mac dich, hoan tra ding han
va lai tien vay theo thoa thugn trong hgp d8ng tin dung.
2. Cac hop tac xa thgc hien tin dung nQi 60 phai c6 du cac dieu kien s u day:
a. DA chuyen doi hoc thanh lap, hoat dung theo Lugt Hap tac xa va ac ca
quan Nha nage co than' quyen be sung gray chimg nhgn clang kY kinh d có
hoar deng tin dung nOi be;
2

b. Dieu h9p tac xa c6 quy dinh hoac Dai hei xa vien co nghl guy& ve hoat
deng tin dung nOi be;
c. Thuc hien san xuttt, kinh doanh, dich vu dung nganh nghe ghi trong giay
chimg nhan dang 1c9 kinh doanh ;
d. Float Ong san xuat, kinh doanh, dich vu on dinh va colai tar 03 ram lien
ke tra 18n, tinh den tlthi diem hop tac xa a nghl ca quan c6 tham quye'n be" sung
giay chimg than dang ky kinh doanh-c6 boat dOng tin dung nOi be;
d.2 Co von dieu le thuc c8 tOi thieu la 100 (met tram) trieu ang;
e. Co ca sa vat chat dam bao an toan cho tin dung nt)i be, nhu nha lam viec
kien c8, c6 tit bao quan WI so tai lieu, co ket sat dung tien...;
g.3 Thanh vien Ban quan tri (sau day g9i tat la Ban (man Up, Chit nhiem,
Pho chit nhi'em va can be lam nghiep vu tin dung , * be him tac xa phai co
pham chat dao dirc tot, c6 uy tin, có kinh nghiem ve quan 19 kinh to va da duqc tap
huan ve nghiep vu tin dung MN b0 hop tac xa;
h. Thuc hien viec Nth toan ke toan, bao cao, thtng ke hoat dOng ctla hqp
the xa theo dung quy dinh cua phap Mat ve k8 toan, thong ke; ma se, sach ghi chep,
theo &Si va hach toan rieng hoat deng tin dung.
3. NguOn von de cho xa vien vay g8'm:
, a. Von ,dieu le bang tien, nhung ten da bang 50% (nam muai phan tram) so
v8n dieu le bang tien nay., Von dieu le bang tien duce xac dinh bang, tong s6 von
dieu thuc co trir di (-) so von dieu le a sir dung de Mu to tai san co dinh va sac
tai san km do, ng khac;
b. Von huy deng cua xa vien trong hqp tae xa, nhung t6i da bang 30% (ba
muai phan tram) von dieu le bang tien.
4. xa vien vay von phai co dit dieu kien:
a. Mix dich sir dung von vay hqp phap;
b. Co kha nang tat chinh dam bao tra ng g6c va 161 troll vay trong thoi han
cam kat.

5. Mire cho vay tOi da doi vai met xa vien ap dung trong timg thin kSr do Dai
hei xa vien quyet dinh, nhung t8i da bang 5% (nam phin tram) s6 von dieu le bang
tien dm hop tac xa duqc sir dung de hoat Ong tin dung nOi be.
6. Thai han cho vay chit yeu la ng& han (tir 12 thang tra xuting); twang hqp
dac bier co the cho vay trung han (tir teen 12 thang den 36 thang), nhung du nq cho
vay trung ban toi da bang 20% (hai muai phan tram) tong du nq cho vay. Ban quan
Diem nay duct situ dai theo quy djnh tai Khoan I eta Thong to só 04/2007/TT-NHNN sira
68 sung Thong to s6 06/2004/TT-NI-INN ngly 27/9/2004 hieing dgn va tin dung nOi b0 hop the
xa, c6 hiau lye ke ttY ngay 20 thong 7 nam 2007.
2

3 Diem nay duct sith dal theo quy dinh tai Khoan 2 dm Thong to so 04/2007/TT-NI-INN snit d8i,
b6 sung Th8ng to s6 06/2004/TT-NI-INN ngay 27/9/2004 throng thin ve tin dung nOi b0 hop the
xa, c6 hiau lye ke to ngay 20 thang 7 nam 2007.

3


tri xem xet, thoa thuan thai han cho vay vii xa vien theo mix dich vay vein va kha
nang tra no cna xa vien.
7. Lai suat cho vay, lei suat huy dOng von tha xa vien do Dai hOi a vien
quyet dinh nhung khong vmot qua lei suat cho vay va lei suat huy dOng c' g loaf,
cimg thai diem va ming ky han cua cdc to chirc tin dung tren dia ban, not 9p tac
xa dong try. sa chinh.
Lai afar dp dung den vii khoan rig vay qua hantoi da bang 150% (met tram
nam muai phan tram) Lai suat cho vay ghi trong hop clang tin dung.
8. Ban quan tri va xa vien vay von thoa thuan lcy han tra no gOc va ai flan
vay theo thang, quy, mita ,vu hoac tra no goc va lei tien vay met Mn 'chi d n han,
tren ca ser muc dich vay von va kha nang thunhap cua xa vien.
9.° Viec cho xa vien vay von c6 bao dam bang tai san hok khong co bao

dam bang tai san la do Dai hei xa vien quyet dinh. Doi vii khoan vay ai heti
xa vien quyet dinh phai cif) bao dam bang tai san, thi the ben thuc hien o quy
dinh ye giao dich bao dam tai Be Luat &an su nam 2005, Nghi inh so
163/2006/ND-CP ngay 29/12/2006 elmChinh phu ye giao dich bao dam va ck
quy dinh cua phap kat co lien quan.
10. HO sa vay von g'6m:
a. Giay de nghi vay vein (Mau phi? lye 01);
b. Hop d6ng tin dung (nAu phu hie 02);
quan khae trong halting
c. Hop (Tang the chap, cam co va cac giay to c6
hop khoin vay cif) bao dam bang tai san.
11. Quy trinh cho vay nhu sau:
a. Xa vien c6 nhu cau vay van girl giay de nghi vay van cho Ban qtri;
b. Ban quan tri them Binh muc dich sir dung von vay, kha nang tra no dm xa
vien va can dr kha nang nguon von de quyet dinh cho vay;
c. Ban quan tri va xa vien ky ket hop dOng tin dung va lam thit tuc t>lhan no,
giai ngan tien vay;
xuat, Ban quan tri kiem tra viec sir d+g van
d. Dinh ky hang thang hok
vay va don doe xa vien tra no dung han;
12. Trong thai han cho vay, neu xa vien vay von khong c6 !chit nan€ tra no
goc va lei tien vay dung han, thi giri giay de nghi dieu ‘chinh Icy han tra no h* gia
han no cho Ban quan tri. Ban quan tri xem xet cho dieu chinh hok gia han no vii
thai han toi da bang 12 thang tinh tir thai diem ket thilc thai han cho vay.
Truerng hop khoan vay khong duos gia han no, thi Ban quan tri cht yen sr .;
du khoan vay do sang no qua han va Sp dung lei suat no vay quo, Nut nhu da thoa
thun trong hop Ming tin dung.
site
T-NH
° Khoan nay dirge sin dOi theo quy dinh tai Khoan 3 thit Thong to s6

hO sung Thong to so 06/2004/TT-NHNN ngay 27/9/2004 huong din ye tin dung nO 60 hop
the x.A, co hiultic ke to ngay 20 thang 7 nam 2007.
4


13. Ket thee nam tai chink, hqp tk xa phai trich thi thieu 50% (nam muai
phap tram) s6 tien chinh lech giva thu Pal cho vay va chi phi thgc to elm hoat do, ng
tin dung not bel de lap Quy du phOng nii ro tin dung lam nguon xir ly nhltng khoan
cho vay bi that thoat do nguyen than khach quan nhu: thien tai, dich benh dOi veri
cay tong, vat mien; ngued vay von khong c6 kha nang tra no do Om dau, benh tat,
chat, mat tich ma khong c6 nguOi Mira ke; cac nguyen nhan khach quan khk.
14. H9p tac xa thuc hien viec hach toan ke toan, thong ke boat &Ong tin dung
nOi tga, quan ly tien mat theo quy dinh tha phap luelt ve ke toan, thong ke del veri
hgp tac xa va theo quy dinh sau day:
,
a. Ma cac tai khoan rieng trong bang can den tai khoan tha hqp tat xa de
theo dei, hach toan so von huy do,'ng, cho vay, thu lai tien vay, tra lai von huy deing,
chi phi tin dung not b0;
b. Ghi chop so tien thu, chi tha tin dung net be theo Ming chung tir ke toan;
chimg tit ke toan phai eta, du chit k9, dam bao hop phap, hgp le,
c. Ma so quy tien mat rieng ghi chop cac 'Moan thu, chi dm hog dOng tin
dung not b0. Dinh ky hoc det xuAt, Ban kiem sok hqp Mc xa ten hanh iciem tra,
ded chieu so sach ke toan va ton quy tien mat thvc to; nen c6 chenh lech thl phai xir
19 kip then.
15. Hap tac xa tam ngimg, chAm dirt hog ciOng tin ding n'Oi be trong cac
truang hap:
a. Khi c6 ng qua han vugt qua 5% (nam phAn tram) tong du ng, thi hgp tac
xa phai tam ngimg tin dung nen bg de cep bien phap thu hoi ng vay qua hen, cho den
khi t9 ng qua hen duel. 5% (nam phan tram) thl tiep tic hoat deing tin dung nOi
be;

b. Trong qua trinh thvc hien tin dung mai be, neu hqp the xa kh'Ong dap Ong
duce the dieu kien quy dinh tai diem 2 Muc nay, thi hop the xa phai tam ngimg tin
dung nen be cho den khi dap ang d6 cac dieu kien mai dugc tiep tvc hoat dung.
Sau thai han 01 nam, ke tir ngay tam ngimg ma hgp tac xa khon dap img dit cac
dieu kien, thi hop tat xa phai tien hanh thanh town cong ng va chain dirt hoat dOng
tin dung nOi be);
c. Hoat dOng tin dung nen b0 bi lo, thi hap tac xa phai tam ngimg boat dOng
tin dung nen b0, thu hal ng de thank toan cong ng va
cao DM hed xa vien xem
xet quyet dinh viec xir 19 se ten that, cling nhu viec hap tac xa co tiep tut hoat
dung tin dung nOi be hay khong.
16. Ket thUc nam tai chinh, Dai hen xa vien xem xet, quyet dinh sir dung Quy
du phOng rai ro de xir ly nhi-mg khoan ng vay ma xa vien khong c6 kha Ming tra
duce do the nguyen nhan quy dinh tai diem 13 mix II Thong to nay.
Dgi yen khoan vay xa vien khong tra duce do nguyen nhan ch» quan, Ban
quan tri bao cao Uy ban nhan dan the cap ap dung IMO phap hanh chinh de thu hoi
5


no. Truong hop xa vien co tinh chay y khong tra nq, thi Ban wan tri kh6i kien
theo quy dinh cua phap luat.
17. Trach nhiem dm Ban quan tri, nhan vien cho vay va xa vien vay van
a. Trach nhiem caa Ban quan tr va nhan vien cho vay:
- Thgc hien viec cho vay theo dung quy dinh tai Th6ng tu nay va nieu lc
hap tac xa- hoac nghi quyet caa Dai hOi xa vien ye tin dung net ben
- Kiem tra viec sit dung van vay caa xa vien, phat hien cac tnth ig hop
khong c6 kha nang tra ng de xU ly kip thin;
- Thgc hien dung cac cam ket trong hop (long tin dung da kY ket voi xl vien;
- Cung cep tai lieu va tao dieu Men cho co quan Nha nuetc thgc hien viec
kiem tra, thanh tra hog dOng tin dung net Ma;

- Bao cao tinh hinh thgc hien tin dung net 60 theo yeu tau du UST bah nhan
dan huyen, thi xa, thanh pho trot thuec tinh.
- D6i, v6i nhang Ithoan cho vay khong dung quy dinh caa Thong tu nay bi
that thoat von, thi thanh vien Ban quan tri, nhan vien cho vay va nhibg ngu " khac
co lien quan phai chit, trach nhiem den ba toan b6 s6 ng vay vac va 151 tien ay ma
xa vien khong tra nq ducc. Neu khong den bit dugc, thi thanh vien Ban qu' tri va
nhang nguei lien quan den khoan cho vay phai bt xir 15, theo quy dinh c phap
luat.
b. Trach nhiem cua xa vien vay von:
- Thgc hien Ming cac quy dinh Lai Thong tu nay;
Sir dung von vay thing mac dich, hoan tra nq g6c va lai tien vay dung han
va thgc hien cac cam ket khac trong hop citing tin dung.
-

III. TO cnirc THI1C HIEN5
1. Trach nhiem oda cac co quan Nha nutac:

•
a. Ngan hang Nha nuem Viet Nam hmang dan hoat di:mg tin dung ma bd va
xa 11, cac vuerng mac lien quan den chinh skh, co ch8 hog dOng tin dung of be,
lam ca ser phap ly cho cac hop tac xa that hien. Ngan hang Nha nu& CM nhanh
Khoan 5 va Khoan 6 on caa Thong tu so 04/2007/TT-NHNN sin cliii, 66 sung Tho g tu so
06/2004/TT-NHNN ngay 27/9/2004 hu6ng darn la tin citing nOi b() ho tac xa, c6 hiOu I c kt to
ngay 20 thang 7 nam 2007 quy dinh nhu sau:
to ngay clang Cong boo.
"5. Thong he nay co hieu lac sau muoi lam ngity
Thutruimg cac don
tic
i thuqc
6. Chanh van pheng, Vu Throng Vu Chinh scich tien

Ngzin hang Nha war, Giam doe Ngan hang nha nuerc chi nhcinh tinh, thanh pho t . thuac
Trung Wang; cac hop tac fa va cac co guan, don vi neu tai khocin I Mgc III Th6 g to so
0612004/TT-NI -INN ngay 27/9/2004 co trach nhiem dux hien Thong to nay./."
5

a

to va

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tinh, thanh pho va cac ca quan Nha nu& cac cap thyc hien vi8c giam sat, thanh tra,
kiem tra hoat dung tin dung not
b. UST ban nhan dan tinh, thanh ph8 true thuOc Trung uong chi dao the so,
ban, nganh chlic nang huang dan, kiem tra va to dieu ki8n cho cac hap tac xa co
du dieu kiUn hoat Ong tin dung nOi b0 an town, hi8u qua, dUng phap luat;
c. UY ban nhan dan huyen, quart, thi xa, thanh phi) true thuijc tinh nai hap
tae xa Ong tru so chinh co trach nhi8m:
- BO sung hoat dOng tin dung nOi N trong giAy chting than dang kY kinh
doanh theo de nghl cua hap tae xa;
- Huang clan, kiem tra, giam sat thuong xuyen va xir ly kip thai the sai pham
ve boat Ong tin dung nOi b0 cua cac hop tac xa teen dia ban;
- Giri boo cao tinh hinh hoat diang tin dung niji 6'0 hap the xa ten dia ban
cho Ngan hang Nha nuot Chi nhanh tinh, thanh pho true thuOc Thing uong (theo
ma'u phy lye 03);
- Huy bo boat do, ng tin dung nOi 130 trong Chung 111S1 dang ky kinh doanh
khi hap tac xa kh8ng du dieu kien hoat do, ng tin dung nOi 130;
d. Uy ban nhan dan xa, phuang, thi trap he) tra va to diem kin cho cac hap
tac xa thtrc hi8n tin dung not b0;

2. Trach nhit'm mkt cac don vi nye thuOc Ngan hang Nha nu& Viet Nam:
a. Ngin hang Nha nuac Chi nhanh tinh, thanh phi) true thuOc Trung uong c6
trash nhi8m:
- Phai hop vai UY ban nhandan tinh, quan, huy8n, thi xa, thanh ph6 true
thtujc tinh , chirc trien khai thyc hien Thong to nay va huong dan (tap huan)
nghi8p vu hoat do, ng tin dung nOi by' cho cac hyp tic xa;
- Tham muu cho cap uy va chinh /my& dia phuang tie chi dao hoat do", ng tin
dung nOi ha' kip tae xa boo dim an town, hi8u qua;
- Bao cao Ngan hang Nha nuot Vi'M Nam (Vu Cac to chile tin dung hap the)
tinh hinh hoat dong tin dung Mai hi) hyp tac xa ten dia ban tinh, thanh ph8 (theo
mau phu luc 03);
; Ti el r) hanh thanh tra host dOng tin dung nOi bo dm hap tic xa, n'en xet they
can thiet.
b. Vu Ck to chile tin dung hap tic c6 trach nhiem :
T 6ng h9pd ban ran Ban I%rth dao Ngyn hang Nha nuor Ugh hirib hnat
do, ng tin dung not b0 hyp tic xa oh cac dia phuang;
-

-

-

-

- Trinh Ban lanh dao Ngan hang Nha nutic xi' IY cac kho khan, vuang mac
ve hoat Ong tin dung nOi bu theo ki8n nghl cua the dia phircmg.
c. Vu Chinh sach lien c6 trach nhiem phoi hyp vai cac Ngan hang Nha
nuec chi nhanh tinh, thanh pho huong dan nghi8p vu tin dung nOi 60 cho hap tic
7

xa va trinhTh6ng doe Ngan hang Nha nubs quyet dinh, sira dai, b8 sung Thing tu
nay theo kien nghi dia the dia phuong.
3. Thong tu nay c6 hieu luc sau 15 ngay ke tit ngay clang Cong bk.
4. Ck hop tac xa, xa vien vay von va cac co quan, don vi neu tai iem 1
mile III to trash nhiem thirc hien Thong tu nay. Doivoi nhung hop tac xa at dau
hoat clang tin dung not b6 thi phai dap img du cac dieu kien quy dinh ve ho t dung
tin dung nOi b0 tai Th8ng tu nay. Nhimg hop tac xa dang host dOng tin d, g not
thi phai doi chieu vei cac quy dinh ye dieu kien host dOng tin dung no b0 tai
Thong to nay, neu du dieu kien quy dinh, thi tiep tire boat dOng; trueeng hop kh6ng
du cac dieu kien, thi hop the xa phai cham dirt hoot Ong tin dung nOi b0.
nut
, 5. Viec sira dai, b6 sung Thong tu nay do Thtng doe Ngan hang
quyet dinh.

8


MAU
CQNG HOA XA HQ! CHU NGHIA VItT NAM
Dijc
- Ty do - Hynh phtic

GIAY DE NOM VAY VON
Kinh girl: Ban (man tri hop tic xa
1. Hy va ten nguiri vay von:
Dia chi:
2. Ho va ten ngtred Mira ke:
Quan h¢ ved ngutri vay v6n:
Dia chi:

3. , DE nghi HTX cho vay s6 tiEn:
Bang se:
diing
Bang chit:
4.Mtic dich vay v6n:

5. Thad hurt vay:
6. Hinh thirc bao dam tien vay (neu c6):
Tai san bao dam tiEn vay

Tong gia tri

d6ng

Chung toi cam kEt sit dung lien vay dung mate dich, tra no goc va !Ai dung
ban, chap hanh the quy dinh eita phap It* va cua HTX th viEc vay von.
Nguiri this lee
ghi re' ho, ten

ngery tilting nom 200
Ngwiri vay
Ky, ghr ro ho, ten

9


MAU B2
CQNG HOA XA HQI aft NGHIA VIFT NAM
Dtic 1#p - Tor do - Hanh pluic
HOP HONG TIN DUNG

/HDTD
só.
- Can cif Ba Luat Dan sit mac Cang hoa xd hai chit nghia Viet Nam;
- Can cu Luat Hop tic xti;
- Can ca guy dinh cua Ngatz hang NM nut Viet Nam ve tin clung nai bi HTX,
- Can cu gay de nghi vay von Ma vien HTX,
Hem nay, ngdy... thing... nam 20 tai try sb Hop tic xi... chUng toi gam:
Ben cho vay (BEN A)
- Hgp tic xa
Trg se Me
- Dai dien .
Chfrc
Ben di vay (BEN B)
- Ho va ten ngueri vay van (hoar dai dien phap nhan vay van) .
- Sa the la vien HTX:
- HO khan thueng trn (hoac dia chi cna to chirc):
Ngay cap.
Nui cap:
- Se). CMND .
Quan he ved ngutri vay van.
- Ho va ten nguari thira
- Noi cu
Hai ben thoa thuan va 14 hop Ming tin dung voi cfic dieu khan sau:
Dieu 1. Ben A dong y cho ben B vay:
,

1. SE') tien cho vay:

+ Wang so:
+ Bang chic

ding

2. Mac dich sir dung tien vay:
3. Thai han cho vay:
thing, tv ngay
den ngly
4. Lai mat tien vay la:
%/thang;
- Lai suit ng qua han:
%/thing;
5. KY han tra no: Si tien no goc dugc chia am cac ky han sau:
Ngay, thing, nam

So then
ien

10


Dieu 2. Dieu kien n110 tilts vay
- Ben B chi nhan duce tier vay dung vao muc dich ghi tai DiEu 1 ciut hqp
dong nay.
- Ben B chi dugc 'Man tien vay sau khi thgc hien cac bien phap bao dam tien
vay theo phu lac dm hem thing nay va duce ben A chap thuan neu khoan vay phid
bao dam bang tai sari.
Dieu 3. Quydn va nghta vy ctia ben A
I. Quyen czia ben A:

- Yeu cau ben B cung cep kip thbi, chinh xac, day dd cac tai lieu, thong tin

lien quan den tinh hinh tai chinh va san xuat, kinh doanh, dich vu truerc khi cho vay.
- Tit chOiphat tien vay khi ben B king thuc hien duce cac dieu kien neu tai
dieu 2 dm hgp ding nay.
- Kiem tra, Siam sat qua trinh vay wen, sit dung von vay va tra nq cim ben B.
Trong qua trinh kiem tra, neu phat hien thay ben B vi pham hem dong nay thi c6
quyen xi: Iy theo quy dinh cim phap lust.
- Cham dirt viec cho vay, thu hal ng trtrac hart khi phat hien ben B cung cap
thong tin sai su that, s* dung von sai muc dich, vi pham hqp thing tin dung.
- Throng hgp ben B khon$ tra dugc nq den han, neu hai ben king c6 thoa
thuan khk, thi ben A dugc cmyen to dOng chuyen toan 130 se du tic con lai cua
khoan vay, sang ng qua han, eking theri tien hart cac bien phap xir 19 tai san bao dam
tien vay de thu hid nq theo thoa thuan.
- Khieu nai, khoi kien khi ben B vi pham hqp ding tin dung theo quy dinh
caa phap luat.
2. Nghia vy czia ben A: Thuc hien dung thoa thuan da ghi trong hgp dOng tin
dung.
Dieu 4. Quyht ye' nghfa vy thu ben B
1. Quyen cio ben B:

- Tit chid the yeu eau dm ben A king dung NAM thoa the trong hop Mug
dung.
tin
- KhiEu nai, khoi kien viec vi pham hgp ding tin dung theo quy dinh tha
phap lust.
2. Nghia vu cita ben B:

- Cung cap day da, trung thue the thong tin, tai lieu lien quan dEn viec vay
vin va chju track nhiem ye tinh chink xac tha the thong tin, tai lieu da cung c • t o
dieu kien thuan lgi de ben A theo doi, kiem tra qua trInh float dOng ctia minh.
- Su dung, von vay dung muc dich, thuc hien dung the nOi dung da there.

thuan trong hem (long nay va cac cam ket khk (lieu co).
- Tra nq gOc Ira mi von vay theo thoa thuan trong hqp ding nay.

11


- Chiu trach nhiem truem phap luat khi khong thgc hien dung riltem them
thuan trong hop dong tin dung.
ngubi di vay hoac nguOi dai diem hp pha trink
- Trilling hop c6 sg thay
do da cam ket, thi ngueri thira ke hoac ngulid ke nhiem c6 trach nhiem ke th toan
be' khoan ng goc va Iai tien vay ding nhttng earn ket ma ngtred dai dien h phap
truck do da cam ket.
- Chap hanh cac quyet dinh xir ly dm ben A, khi ben B kW:Mg thgc hie dung
nhcmg thoa thuan trong hap dong tin dung.
Dieu 5. Nhang Win khan chung
- Hai ben cam ket thgc hien day da cac dieu khoan da ghi trong hap deilig nay
va nhang quy dinh phap luat c6 lien quan.
- TnUmg hop xay ra tranh chap, hai ben ttr giai quyet Wang thucmg lugn . Neu
khOng giai quyet (Inge, se dua ra cu quan chirc nang curt Nha nu& de giai quyet
theo quy dinh cua phap luat.
Dieu 6. Hieu Irfc nig hqp dong
- Hgp dong nay co hieu Itm ke to ngay ky cho den khi ben B thanh to cho
ben A day du ng g8c va tai tien vay hoac thay the bAng hop dong tin dung kha
- Hqp dong nay dirge lap thanh 02 ban, c6 gia tri ngang nhau, mepi ben ifs 01
ban.
Ben B

Ben A

K31, ghi rii ho, ten
va (long ddu (nOu co)

ghi hp,
clang eau (du

va

12


P1112 WC HOP BONG 01
(KS theo Hop clang tin thing

so

L Phan theo doi nh n tian vayva tra n :
Ngay
SO
SO
Chit ky s6 Ben tra
thing chting
Ben
ngtroti
nq
nam
tfr
vay
nhan
teen

G&
.
Lai

ngay / / )

Cher ky
ngtriti
thu nq

Du' nq
trong
hp

2. Phan theo doi g'a hon np/ diau chfnh ky hgn tea np:
- Gia han nct so tien:
ding den ngay
- Dieu chinh ky hp Ira nq:
Ky 1: Den ngay / /....
Se tien phai tra:
Ky 2: Den ngly .... / . /
SO tien phai tra:
Ky 3: Den ngay .... / . /....
So teen phai tra:

/

SO tien
chuyen
nq qua

hp

/.
ding

thing
ding

3. Phan theo dot nq gad hgn
Ngay
thing
nam

s6

s6 tien

cluing tie

chuyen nq
qui hitt

SO tan tra nq
qua hilt
Gar

4. Phu Inc hap ding nay &pc

Chit ky
nguiri thu

nq

Dir nq qua
hitt

Lai

at loan ngay:

13


PHV LIJC HIP BONG 02
(Kern theo Hap clang tin dung so

ngay / /

1. Hinh that bao dam tien vay:
- Ben B dung tai san thuOc set MTh hop phap ctia mirth the chap, cam c6 ch HTX
de dam bap thgc hien nghia vu tra ng tien vay, go c6:
STT

Ten tat san the
chip, cam co

Loni tai sin

A

So

luvng

Gii trj dt4c
djnh gi

01
02
COng
- Tong gia tri tai sari bao dam tien vay:

Sing.

2. Ole Meang hop If lid san thi chip, dim co`:

- Den han tra ng hoc do vi pham hgp ding tin dung da ky ket buoc phat tra ng
tmac ban, ben vay von khong c6 ngu6n thu bang tien de tra net
- Khi tai salt the chap, cam c6 c6 nguy co: bi mat, hu h6ng.
3. Hinh that xi: ly tai san bao dam den vay: Trubng hgp den hart tra g ma
ben B kh8ng tra duct ng thi ben A se tien hanh xir ly tai san bao dam tien va theo
phtrung thirc ban, uy quyen ban, chuyen nhirgng
4. Phu lye kw tieing nay dupe Mt totin ngay:

14


MAU S6 036
UBND huyOn, thi xa

(I) hoc

NHNN chi nhanh tinh, thAnh ph6

(2)

BAO CAO TiNH HINH HOAT DONG TIN D1JNG NOI BO
(6 thang dAu nam hoac ca nam)
Dan vi . Tri6u d6ng
NguOn von sir dung
HDTD niji b0

s6

Von
lucing (he'll
STT Loai hinh HTX HTX 1O
bo

I-1TX nong nghipp

2

HTX they san

3

HTX tieu UM CN

4

HTX xay Mpg

3

4

5

0 0

1

2

Tong
co s6

6

Trong d6

7

8

9

10

11

12

SO
110
c hi
cOn
hi'
du

ng

13

I.

1

V•

A

that

Doanh Doanh
so cho so thu
vay
ng
18
Non

ng tron tr
Von hay
ky
ky
Ong Ding Ng&n Trung qua
caa xa du ng han han han
vien

Trong do

-c 0 ,ctu

at
dOng

Du nq vay den...

Mi'u nay dugc sira d61
nh tai Khoan 4 cita Th8ng to so 04/2007/TT-NHNN sna doSi,
b6 sung Th6ng to s6 06/2004/TT-NHNN ngay 27/9/2004 Song an v6 tin dung niji be) hop Mc
c6 hiOu lire ke tir ngay 20 thang 7 nam 2007.

6

15

14


5

HTX giao th8ng
van tai

6

HIX thuong

mai, click vu

L
7

ITIX khac

Tang ding
ngay
Ngtrefi lap bi6u

thang

nam

Th6 tnrong don vi

(1) UBND huyen, quart, thi xa gni NHNN chi nhanh tinh, thanh pho truerc ngay 30/7
dei v6i bao cao 6 thong dau nam va tar& ngay 15/02 d6i yea bao cao ca nam.
(2) NHNN chi nhanh tinh, thanh ph6 gin NHNN Viet Nam (Vu Cac to eh&
hop tac) trurOc ngay 15/8 dei yea bao cao 6 thong dAu nam va fru& ngay 28/02ti of
oi yeti

bao cao ca Kam (Co y kieg danh gia ve tinh hinh hog dOng, vi6c chap hanh c c quy
dinh phap lug va cac kh6 khan wrong mac ve hog dOng tin dung n6i bO ke theo
mail 03 nay).

NGAN HANG NHA NUOC
VITT NAM

XAC THITC VAN BAN HQP NHAT

S Ar/VBHN-NHNN
Ha AlOi ngayzithcing riitim 20114
Nal nhim:
- Ban Lanh dao NHNN;
- Van pheng Chinh phu (de clang Ging bao);
- Website NI INN;
- Lull VP, PC3, CSTT7ZZ- --

tg THONG DOC&
PHO THONG DOC

Ding Thanh Binh
16