LUT NGN HNG NH NC

LUT S 46/2010/QH12 Cn c Hin php nc Cng ho x hi ch ngha Vit Nam nm 1992 c sa i, b sung mt s iu theo Ngh quyt s 51/2001/QH10; Quc hi ban hnh Lut Ngn hng Nh nc Vit Nam. Chng I NHNG QUY NH CHUNG iu 1. Phm vi iu chnh Lut ny quy nh v t chc v hot ng ca Ngn hng Nh nc Vit Nam. iu 2. V tr v chc nng ca Ngn hng Nh nc Vit Nam 1. Ngn hng Nh nc Vit Nam (sau y gi l Ngn hng Nh nc) l c quan ngang b ca Chnh ph, l Ngn hng trung ng ca nc Cng ho x hi ch ngha Vit Nam. 2. Ngn hng Nh nc l php nhn, c vn php nh thuc s hu nh nc, c tr s chnh ti Th H Ni. 3. Ngn hng Nh nc thc hin chc nng qun l nh nc v tin t, hot ng ngn hng v ngoi hi (sau y gi l tin t v ngn hng); thc hin chc nng ca Ngn hng trung ng v pht hnh tin, ngn hng ca cc t chc tn dng v cung ng dch v tin t cho Chnh ph. iu 3. Chnh sch tin t quc gia v thm quyn quyt nh chnh sch tin t quc gia 1. Chnh sch tin t quc gia l cc quyt nh v tin t tm quc gia ca c quan nh nc c thm quyn, bao gm quyt nh mc tiu n nh gi tr ng tin biu hin bng ch tiu lm pht, quyt nh s dng cc cng c v bin php thc hin mc tiu ra. 2. Quc hi quyt nh ch tiu lm pht hng nm c th hin thng qua vic quyt nh ch s gi tiu dng v gim st vic thc hin chnh sch tin t quc gia. 3. Ch tch nc thc hin nhim v, quyn hn do Hin php v php lut quy nh trong vic m phn, k kt, gia nhp iu c quc t nhn danh Nh nc Cng ha x hi ch ngha Vit Nam v lnh vc tin t v ngn hng. 4. Chnh ph trnh Quc hi quyt nh ch tiu lm pht hng nm. Th tng Chnh ph, Thng c Ngn hng Nh nc quyt nh vic s dng cc cng c v bin php iu hnh thc hin mc tiu chnh sch tin t quc gia theo quy nh ca Chnh ph. iu 4. Nhim v, quyn hn ca Ngn hng Nh nc 1. Hot ng ca Ngn hng Nh nc nhm n nh gi tr ng tin; bo m an ton hot ng ngn hng v h thng cc t chc tn dng; bo m s an ton, hiu qu ca h thng thanh ton quc gia; gp phn thc y pht trin kinh t x hi theo nh hng x hi ch ngha. 2. Tham gia xy dng chin lc v k hoch pht trin kinh t x hi ca t nc. 3. Xy dng chin lc pht trin ngnh ngn hng trnh c quan nh nc c thm quyn ph duyt v t chc thc hin. 4. Ban hnh hoc trnh c quan nh nc c thm quyn ban hnh vn bn quy phm php lut v tin t v ngn hng; tuyn truyn, ph bin v kim tra theo thm quyn vn bn quy phm php lut v tin t v ngn hng. 5. Xy dng ch tiu lm pht hng nm Chnh ph trnh Quc hi quyt nh v t chc thc hin. 1

6. T chc, iu hnh v pht trin th trng tin t. 7. T chc h thng thng k, d bo v tin t v ngn hng; cng khai thng tin v tin t v ngn hng theo quy nh ca php lut. 8. T chc in, c, bo qun, vn chuyn tin giy, tin kim loi; thc hin nghip v pht hnh, thu hi, thay th v tiu hu tin giy, tin kim loi. 9. Cp, sa i, b sung, thu hi giy php thnh lp v hot ng ca t chc tn dng, giy php thnh lp chi nhnh ngn hng nc ngoi, giy php thnh lp vn phng i din ca t chc tn dng nc ngoi, t chc nc ngoi khc c hot ng ngn hng; cp, thu hi giy php hot ng cung ng dch v trung gian thanh ton cho cc t chc khng phi l ngn hng; cp, thu hi giy php hot ng cung ng dch v thng tin tn dng cho cc t chc; chp thun vic mua, bn, chia, tch, hp nht, sp nhp v gii th t chc tn dng theo quy nh ca php lut. 10. Thc hin i din ch s hu phn vn ca Nh nc ti doanh nghip thc hin chc nng, nhim v ca Ngn hng Nh nc, t chc tn dng c vn nh nc theo quy nh ca php lut; c s dng vn php nh gp vn thnh lp doanh nghip c th nhm thc hin chc nng, nhim v ca Ngn hng Nh nc theo quyt nh ca Th tng Chnh ph. 11. Kim tra, thanh tra, gim st ngn hng; x l vi phm php lut v tin t v ngn hng theo quy nh ca php lut. 12. Quyt nh p dng bin php x l c bit i vi t chc tn dng vi phm nghim trng cc quy nh ca php lut v tin t v ngn hng, gp kh khn v ti chnh, c nguy c gy mt an ton cho h thng ngn hng, gm mua c phn ca t chc tn dng; nh ch, tm nh ch, min nhim chc v ngi qun l, ngi iu hnh ca t chc tn dng; quyt nh sp nhp, hp nht, gii th t chc tn dng; t t chc tn dng vo tnh trng kim sot c bit; thc hin nhim v, quyn hn ca mnh theo quy nh ca php lut v ph sn i vi t chc tn dng. 13. Ch tr, phi hp vi cc c quan hu quan xy dng chnh sch, k hoch v t chc thc hin phng, chng ra tin. 14. Thc hin qun l nh nc v bo him tin gi theo quy nh ca php lut v bo him tin gi. 15. Ch tr lp, theo di, d bo v phn tch kt qu thc hin cn cn thanh ton quc t. 16. T chc, qun l, gim st h thng thanh ton quc gia, cung ng dch v thanh ton cho cc ngn hng; tham gia t chc v gim st s vn hnh ca cc h thng thanh ton trong nn kinh t. 17. Qun l nh nc v ngoi hi, hot ng ngoi hi v hot ng kinh doanh vng. 18. Qun l D tr ngoi hi nh nc. 19. Qun l vic vay, tr n, cho vay v thu hi n nc ngoi theo quy nh ca php lut. 20. Ch tr, phi hp vi c quan c lin quan chun b ni dung, tin hnh m phn, k kt iu c quc t vi t chc ti chnh, tin t quc t m Ngn hng Nh nc l i din v l i din chnh thc ca ngi vay quy nh ti iu c quc t theo phn cng, u quyn ca Ch tch nc hoc Chnh ph. 21. T chc thc hin hp tc quc t v tin t v ngn hng. 22. i din cho Nh nc Cng ho x hi ch ngha Vit Nam ti cc t chc tin t v ngn hng quc t. 23. T chc h thng thng tin tn dng v cung ng dch v thng tin tn dng; thc hin chc nng qun l nh nc i vi cc t chc hot ng thng tin tn dng. 24. Lm i l v thc hin cc dch v ngn hng cho Kho bc Nh nc. 2

25. Tham gia vi B Ti chnh v vic pht hnh tri phiu Chnh ph, tri phiu do Chnh ph bo lnh. 26. T chc o to, bi dng nghip v v tin t v ngn hng; nghin cu, ng dng khoa hc v cng ngh ngn hng. 27. Nhim v, quyn hn khc theo quy nh ca php lut. iu 5. Trch nhim ca b, c quan ngang b, U ban nhn dn cc cp B, c quan ngang b, U ban nhn dn cc cp trong phm vi nhim v, quyn hn ca mnh phi hp vi Ngn hng Nh nc trong vic qun l nh nc v tin t v ngn hng. iu 6. Gii thch t ng Trong Lut ny, cc t ng di y c hiu nh sau: 1. Hot ng ngn hng l vic kinh doanh, cung ng thng xuyn mt hoc mt s nghip v sau y: a) Nhn tin gi; b) Cp tn dng; c) Cung ng dch v thanh ton qua ti khon. 2. Ngoi hi bao gm: a) ng tin ca quc gia khc hoc ng tin chung chu u v ng tin chung khc c s dng trong thanh ton quc t v khu vc (sau y gi l ngoi t); b) Phng tin thanh ton bng ngoi t, gm sc, th thanh ton, hi phiu i n, hi phiu nhn n v cc phng tin thanh ton khc; c) Cc loi giy t c gi bng ngoi t, gm tri phiu Chnh ph, tri phiu cng ty, k phiu, c phiu v cc loi giy t c gi khc; d) Vng thuc D tr ngoi hi nh nc, trn ti khon nc ngoi ca ngi c tr; vng di dng khi, thi, ht, ming trong trng hp mang vo v mang ra khi lnh th Vit Nam; ) ng tin ca nc Cng ho x hi ch ngha Vit Nam trong trng hp chuyn vo v chuyn ra khi lnh th Vit Nam hoc c s dng trong thanh ton quc t. 3. Hot ng ngoi hi l hot ng ca ngi c tr, ngi khng c tr trong cc giao dch vng lai, giao dch vn, s dng ngoi hi trn lnh th Vit Nam, hot ng cung ng dch v ngoi hi v cc giao dch khc lin quan n ngoi hi. 4. D tr ngoi hi nh nc l ti sn bng ngoi hi c th hin trong Bng cn i tin t ca Ngn hng Nh nc. 5. T gi hi oi ca ng Vit Nam l gi ca mt n v tin t nc ngoi tnh bng n v tin t ca Vit Nam. 6. Th trng tin t l ni giao dch ngn hn v vn. 7. Giao dch ngn hn l giao dch vi k hn di 12 thng cc giy t c gi. 8. Giy t c gi l bng chng xc nhn ngha v tr n gia t chc pht hnh giy t c gi vi ngi s hu giy t c gi trong mt thi hn nht nh, iu kin tr li v cc iu kin khc. 9. H thng thanh ton quc gia l h thng thanh ton lin ngn hng do Ngn hng Nh nc t chc, qun l, vn hnh.

10. Dch v trung gian thanh ton l hot ng lm trung gian kt ni, truyn dn v x l d liu in t cc giao dch thanh ton gia t chc cung ng dch v thanh ton v ngi s dng dch v thanh ton. 11. Thanh tra ngn hng l hot ng thanh tra ca Ngn hng Nh nc i vi cc i tng thanh tra ngn hng trong vic chp hnh php lut v tin t v ngn hng. 12. Gim st ngn hng l hot ng ca Ngn hng Nh nc trong vic thu thp, tng hp, phn tch thng tin v i tng gim st ngn hng thng qua h thng thng tin, bo co nhm phng nga, pht hin, ngn chn v x l kp thi ri ro gy mt an ton hot ng ngn hng, vi phm quy nh an ton hot ng ngn hng v cc quy nh khc ca php lut c lin quan. Chng II T CHC CA NGN HNG NH NC iu 7. T chc ca Ngn hng Nh nc 1. Ngn hng Nh nc c t chc thnh h thng tp trung, thng nht, gm b my iu hnh v cc n v hot ng nghip v ti tr s chnh, chi nhnh, vn phng i din, n v trc thuc khc. 2. C cu t chc ca Ngn hng Nh nc do Chnh ph quy nh. 3. C cu t chc, nhim v, quyn hn ca cc n v thuc Ngn hng Nh nc do Thng c Ngn hng Nh nc quy nh, tr trng hp quy nh ti khon 2 iu 49 ca Lut ny. 4. Thng c Ngn hng Nh nc quyt nh thnh lp, chm dt hot ng ca chi nhnh, vn phng i din, cc ban, hi ng t vn v cc vn lin quan n chc nng, nhim v ca Ngn hng Nh nc; quyt nh thnh lp, chm dt hot ng theo thm quyn cc n v trc thuc Ngn hng Nh nc hot ng trong cc lnh vc o to, bi dng nghip v ngn hng, nghin cu, thng tin, l lun khoa hc ngn hng, cung cp dch v lin quan n hot ng kho qu, dch v cng ngh tin hc ngn hng v thanh ton, dch v thng tin tn dng. iu 8. Lnh o, iu hnh Ngn hng Nh nc 1. Thng c Ngn hng Nh nc l thnh vin ca Chnh ph, l ngi ng u v lnh o Ngn hng Nh nc; chu trch nhim trc Th tng Chnh ph, trc Quc hi v qun l nh nc trong lnh vc tin t v ngn hng. 2. Thng c Ngn hng Nh nc c cc nhim v, quyn hn sau y: a) T chc v ch o thc hin chnh sch tin t quc gia theo thm quyn; b) T chc v ch o thc hin nhim v, quyn hn ca Ngn hng Nh nc theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan; c) i din php nhn ca Ngn hng Nh nc. iu 9. Cn b, cng chc ca Ngn hng Nh nc Vic tuyn dng, s dng, qun l cn b, cng chc Ngn hng Nh nc v nguyn tc thc hin theo quy nh ca Lut cn b, cng chc. Th tng Chnh ph quy nh c ch tuyn dng, ch i ng cn b, cng chc ph hp vi hot ng nghip v c th ca Ngn hng Nh nc.

Chng III HOT NG CA NGN HNG NH NC Mc 1. THC HIN CHNH SCH TIN T QUC GIA iu 10. Cng c thc hin chnh sch tin t quc gia Thng c Ngn hng Nh nc quyt nh vic s dng cng c thc hin chnh sch tin t quc gia, bao gm ti cp vn, li sut, t gi hi oi, d tr bt buc, nghip v th trng m v cc cng c, bin php khc theo quy nh ca Chnh ph. iu 11. Ti cp vn 1. Ti cp vn l hnh thc cp tn dng ca Ngn hng Nh nc nhm cung ng vn ngn hn v phng tin thanh ton cho t chc tn dng. 2. Ngn hng Nh nc quy nh v thc hin vic ti cp vn cho t chc tn dng theo cc hnh thc sau y: a) Cho vay c bo m bng cm c giy t c gi; b) Chit khu giy t c gi; c) Cc hnh thc ti cp vn khc. iu 12. Li sut 1. Ngn hng Nh nc cng b li sut ti cp vn, li sut c bn v cc loi li sut khc iu hnh chnh sch tin t, chng cho vay nng li. 2. Trong trng hp th trng tin t c din bin bt thng, Ngn hng Nh nc quy nh c ch iu hnh li sut p dng trong quan h gia cc t chc tn dng vi nhau v vi khch hng, cc quan h tn dng khc. iu 13. T gi hi oi 1. T gi hi oi ca ng Vit Nam c hnh thnh trn c s cung cu ngoi t trn th trng c s iu tit ca Nh nc. 2. Ngn hng Nh nc cng b t gi hi oi, quyt nh ch t gi, c ch iu hnh t gi. iu 14. D tr bt buc D tr bt buc l s tin m t chc tn dng phi gi ti Ngn hng Nh nc thc hin chnh sch tin t quc gia. 2. Ngn hng Nh nc quy nh t l d tr bt buc i vi tng loi hnh t chc tn dng v tng loi tin gi ti t chc tn dng nhm thc hin chnh sch tin t quc gia. 3. Ngn hng Nh nc quy nh vic tr li i vi tin gi d tr bt buc, tin gi vt d tr bt buc ca tng loi hnh t chc tn dng i vi tng loi tin gi. iu 15. Nghip v th trng m 1. Ngn hng Nh nc thc hin nghip v th trng m thng qua vic mua, bn giy t c gi i vi t chc tn dng. 2. Ngn hng Nh nc quy nh loi giy t c gi c php giao dch thng qua nghip v th trng m. iu 16. n v tin 5

n v tin ca nc Cng ho x hi ch ngha Vit Nam l "ng", k hiu quc gia l "", k hiu quc t l "VND", mt ng bng mi ho, mt ho bng mi xu. Mc 2. PHT HNH TIN GIY, TIN KIM LOI iu 17. Pht hnh tin giy, tin kim loi 1. Ngn hng Nh nc l c quan duy nht pht hnh tin giy, tin kim loi ca nc Cng ho x hi ch ngha Vit Nam. 2. Tin giy, tin kim loi do Ngn hng Nh nc pht hnh l phng tin thanh ton hp php trn lnh th nc Cng ho x hi ch ngha Vit Nam. 3. Ngn hng Nh nc bo m cung ng s lng v c cu tin giy, tin kim loi cho nn kinh t. 4. Tin giy, tin kim loi pht hnh vo lu thng l ti sn "N" i vi nn kinh t v c cn i bng ti sn "C" ca Ngn hng Nh nc. iu 18. Thit k, in, c, bo qun, vn chuyn, pht hnh tin vo lu thng, tiu hu tin 1. Ngn hng Nh nc thit k mnh gi, kch thc, trng lng, hnh v, hoa vn v cc c im khc ca tin trnh Th tng Chnh ph ph duyt. 2. Ngn hng Nh nc t chc thc hin vic in, c, bo qun, vn chuyn, pht hnh tin vo lu thng, tiu hu tin. iu 19. X l tin rch nt, h hng Ngn hng Nh nc quy nh tiu chun phn loi tin rch nt, h hng; i, thu hi cc loi tin rch nt, h hng do qu trnh lu thng; khng i nhng ng tin rch nt, h hng do hnh vi hu hoi. iu 20. Thu hi, thay th tin Ngn hng Nh nc thu hi v rt khi lu thng cc loi tin khng cn thch hp v pht hnh cc loi tin khc thay th. Cc loi tin thu hi c i ly cc loi tin khc vi gi tr tng ng trong thi hn do Ngn hng Nh nc quy nh. Sau thi hn thu hi, cc loi tin thuc din thu hi khng cn gi tr lu hnh. iu 21. Tin mu, tin lu nim Ngn hng Nh nc t chc thc hin vic thit k, in, c, bn trong nc v nc ngoi cc loi tin mu, tin lu nim phc v cho mc ch su tp hoc mc ch khc theo quy nh ca Th tng Chnh ph. iu 22. Ban hnh, kim tra nghip v pht hnh tin 1. Chnh ph ban hnh quy nh v nghip v pht hnh tin, bao gm vic in, c, bo qun, vn chuyn, pht hnh, thu hi, thay th, tiu hu tin, chi ph cho cc hot ng nghip v pht hnh tin. 2. B Ti chnh kim tra vic thc hin nghip v in, c v tiu hu tin. iu 23. Cc hnh vi b cm 1. Lm tin gi; vn chuyn, tng tr, lu hnh tin gi. 2. Hu hoi ng tin tri php lut. 3. T chi nhn, lu hnh ng tin tiu chun lu thng do Ngn hng Nh nc pht hnh. 6

4. Cc hnh vi b cm khc theo quy nh ca php lut. Mc 3. CHO VAY, BO LNH, TM NG CHO NGN SCH iu 24. Cho vay 1. Ngn hng Nh nc cho t chc tn dng vay ngn hn theo quy nh ti im a khon 2 iu 11 ca Lut ny. 2. Ngn hng Nh nc xem xt, quyt nh cho vay c bit i vi t chc tn dng trong cc trng hp sau y: a) T chc tn dng lm vo tnh trng mt kh nng chi tr, e do s n nh ca h thng cc t chc tn dng; b) T chc tn dng c nguy c mt kh nng chi tr do s c nghim trng khc. 3. Ngn hng Nh nc khng cho vay i vi c nhn, t chc khng phi l t chc tn dng quy nh ti khon 1 v khon 2 iu ny. iu 25. Bo lnh Ngn hng Nh nc khng bo lnh cho t chc, c nhn vay vn, tr trng hp bo lnh cho t chc tn dng vay vn nc ngoi theo quyt nh ca Th tng Chnh ph. iu 26. Tm ng cho ngn sch nh nc Ngn hng Nh nc tm ng cho ngn sch trung ng x l thiu ht tm thi qu ngn sch nh nc theo quyt nh ca Th tng Chnh ph. Khon tm ng ny phi c hon tr trong nm ngn sch, tr trng hp c bit do U ban thng v Quc hi quyt nh. Mc 4. HOT NG THANH TON V NGN QU iu 27. M ti khon v thc hin giao dch trn ti khon 1. Ngn hng Nh nc c m ti khon v thc hin giao dch trn ti khon ngn hng nc ngoi, t chc tin t, ngn hng quc t. 2. Ngn hng Nh nc m ti khon v thc hin giao dch cho t chc tn dng. 3. Kho bc Nh nc m ti khon ti Ngn hng Nh nc. tnh, thnh ph trc thuc trung ng, huyn, qun, th x, thnh ph thuc tnh khng c chi nhnh ca Ngn hng Nh nc, vic thc hin cc giao dch cho Kho bc Nh nc theo quy nh ca Ngn hng Nh nc. iu 28. T chc, qun l, vn hnh, gim st h thng thanh ton quc gia 1. Ngn hng Nh nc t chc, qun l, vn hnh, gim st h thng thanh ton quc gia. 2. Ngn hng Nh nc thc hin vic qun l cc phng tin thanh ton trong nn kinh t. iu 29. Dch v ngn qu Ngn hng Nh nc cung ng dch v ngn qu thng qua vic thu, chi tin cho ch ti khon, vn chuyn, kim m, phn loi v x l tin trong lu thng. iu 30. i l cho Kho bc Nh nc Ngn hng Nh nc lm i l cho Kho bc Nh nc trong vic t chc u thu, pht hnh, lu k v thanh ton tn phiu kho bc, tri phiu kho bc. Mc 5. QUN L NGOI HI V HOT NG NGOI HI iu 31. Nhim v, quyn hn ca Ngn hng Nh nc v qun l ngoi hi v hot ng ngoi hi 7

1. Qun l ngoi hi v s dng ngoi hi trn lnh th Vit Nam theo quy nh ca php lut. 2. T chc v pht trin th trng ngoi t. 3. Cp, thu hi giy php hot ng ngoi hi cho t chc tn dng, cc t chc khc c hot ng ngoi hi. 4. Trnh Th tng Chnh ph quyt nh bin php hn ch giao dch ngoi hi bo m an ninh ti chnh, tin t quc gia. 5. T chc, qun l, tham gia th trng ngoi t lin ngn hng. 6. Nhim v, quyn hn khc v qun l ngoi hi v hot ng ngoi hi theo quy nh ca php lut. iu 32. Qun l D tr ngoi hi nh nc 1. D tr ngoi hi nh nc bao gm: a) Ngoi t tin mt, tin gi bng ngoi t nc ngoi; b) Chng khon, giy t c gi khc bng ngoi t do Chnh ph, t chc nc ngoi, t chc quc t pht hnh; c) Quyn rt vn c bit, d tr ti Qu tin t quc t; d) Vng do Ngn hng Nh nc qun l; ) Cc loi ngoi hi khc ca Nh nc. 2. Ngn hng Nh nc qun l D tr ngoi hi nh nc theo quy nh ca php lut v ngoi hi nhm thc hin chnh sch tin t quc gia, bo m kh nng thanh ton quc t v bo ton D tr ngoi hi nh nc. 3. Th tng Chnh ph quyt nh vic s dng D tr ngoi hi nh nc cho nhu cu t xut, cp bch ca Nh nc; trng hp s dng D tr ngoi hi nh nc dn n thay i d ton ngn sch th thc hin theo quy nh ca Lut ngn sch nh nc. 4. Ngn hng Nh nc bo co Th tng Chnh ph theo nh k v t xut v qun l D tr ngoi hi nh nc. 5. B Ti chnh kim tra vic qun l D tr ngoi hi nh nc do Ngn hng Nh nc thc hin theo quy nh ca Chnh ph. iu 33. Hot ng ngoi hi ca Ngn hng Nh nc Ngn hng Nh nc thc hin vic mua, bn ngoi hi trn th trng trong nc v mc tiu chnh sch tin t quc gia; mua, bn ngoi hi trn th trng quc t v thc hin giao dch ngoi hi khc theo quy nh ca Th tng Chnh ph. iu 34. Mua, bn ngoi t gia D tr ngoi hi nh nc vi ngn sch nh nc Th tng Chnh ph quy nh mc ngoi t B Ti chnh c gi li t ngun thu ngn sch chi cc khon chi ngoi t thng xuyn ca ngn sch nh nc. S ngoi t cn li B Ti chnh bn cho D tr ngoi hi nh nc tp trung ti Ngn hng Nh nc. Mc 6. HOT NG THNG TIN, BO CO iu 35. Trch nhim cung cp thng tin cho Ngn hng Nh nc 1. T chc, c nhn c trch nhim cung cp thng tin cho Ngn hng Nh nc xy dng Bng cn i tin t, xy dng cn cn thanh ton ca Vit Nam v nh gi, d bo xu hng pht trin ca th trng tin t nhm phc v vic xy dng v iu hnh chnh sch tin t quc gia, cng tc qun l ngoi hi. 8

2. Cc t chc tn dng c trch nhim cung cp thng tin, s liu thng k theo yu cu ca Ngn hng Nh nc nh gi, thanh tra, gim st tnh hnh hot ng ca h thng cc t chc tn dng v ca tng t chc tn dng. 3. Thng c Ngn hng Nh nc quy nh i tng, quy trnh, phm vi, loi thng tin, k hn v phng thc cung cp thng tin quy nh ti khon 1 v khon 2 iu ny. iu 36. Nguyn tc cung cp thng tin Thng tin do t chc, c nhn cung cp cho Ngn hng Nh nc phi bo m chnh xc, trung thc, y , kp thi. iu 37. Nhim v ca Ngn hng Nh nc v hot ng thng tin 1. Trong hot ng thng tin, Ngn hng Nh nc c cc nhim v sau y: a) T chc thu nhn, s dng, lu tr, cung cp v cng b thng tin ph hp vi quy nh ca php lut; b) T chc, gim st vic cung cp thng tin tn dng ca khch hng c quan h vi t chc tn dng cho t chc tn dng; c) Hng dn vic cung cp thng tin v n c, kim tra vic thc hin cung cp thng tin ca t chc, c nhn theo quy nh ca php lut. 2. Ngn hng Nh nc c trch nhim cng b theo thm quyn cc thng tin sau y: a) Ch trng, chnh sch, php lut v tin t v ngn hng; b) Quyt nh iu hnh ca Thng c Ngn hng Nh nc v tin t v ngn hng; c) Tnh hnh din bin tin t v ngn hng; d) Thng bo lin quan n vic thnh lp, mua, bn, chia, tch, hp nht, sp nhp, ph sn hoc gii th t chc tn dng; ) Kt qu ti chnh v hot ng ca Ngn hng Nh nc theo quy nh ca php lut. iu 38. Bo v b mt thng tin 1. Ngn hng Nh nc c trch nhim lp danh mc, thay i mt, gii mt b mt nh nc v lnh vc tin t v ngn hng gi c quan nh nc c thm quyn quyt nh; bo v b mt ca Ngn hng Nh nc v ca t chc, c nhn theo quy nh ca php lut. 2. Ngn hng Nh nc c quyn t chi yu cu ca t chc, c nhn v vic cung cp thng tin mt v tin t v ngn hng, tr trng hp theo yu cu ca c quan nh nc c thm quyn theo quy nh ca php lut. 3. Cn b, cng chc Ngn hng Nh nc phi gi b mt thng tin hot ng nghip v ca Ngn hng Nh nc, ca cc t chc tn dng v b mt tin gi ca t chc, c nhn theo quy nh ca php lut. iu 39. Thng k, phn tch, d bo tin t Ngn hng Nh nc t chc thng k, thu thp thng tin v kinh t, tin t v ngn hng trong nc v nc ngoi phc v vic nghin cu, phn tch v d bo din bin tin t xy dng v iu hnh chnh sch tin t quc gia. iu 40. Hot ng bo co 1. Th tng Chnh ph bo co hoc y quyn cho Thng c Ngn hng Nh nc bo co Quc hi kt qu thc hin chnh sch tin t quc gia hng nm, bo co v gii trnh v vn c nu ra trc Quc hi, y ban thng v Quc hi v cc c quan ca Quc hi; cung cp 9

kp thi thng tin, ti liu cn thit cho c quan ca Quc hi khi c yu cu gim st thc hin chnh sch tin t quc gia. 2. Ngn hng Nh nc bo co Chnh ph cc ni dung sau y: a) Tnh hnh din bin tin t v ngn hng theo nh k 06 thng v hng nm; b) Bo co ti chnh hng nm c kim ton. 3. Ngn hng Nh nc cung cp cho cc b, c quan ngang b cc bo co theo quy nh ca php lut. iu 41. Hot ng xut bn Ngn hng Nh nc t chc xut bn cc n phm v tin t v ngn hng theo quy nh ca php lut. Chng IV TI CHNH, K TON CA NGN HNG NH NC iu 42. Vn php nh Vn php nh ca Ngn hng Nh nc do ngn sch nh nc cp. Mc vn php nh ca Ngn hng Nh nc do Th tng Chnh ph quyt nh. iu 43. Thu, chi ti chnh Thu, chi ti chnh ca Ngn hng Nh nc v nguyn tc thc hin theo quy nh ca Lut ngn sch nh nc. Th tng Chnh ph quy nh nhng ni dung thu, chi ti chnh ph hp vi hot ng nghip v c th ca Ngn hng Nh nc. iu 44. Kt qu ti chnh Kt qu ti chnh hng nm ca Ngn hng Nh nc c xc nh bng ngun thu v hot ng nghip v ngn hng v cc ngun thu khc, sau khi tr chi ph hot ng v cc khon d phng ri ro. iu 45. Cc qu Ngn hng Nh nc c trch t kt qu ti chnh hng nm lp cc qu sau y: a) Qu thc hin chnh sch tin t quc gia; b) Qu d phng ti chnh; c) Qu khc do Th tng Chnh ph quyt nh. Mc trch lp v vic s dng cc qu ti khon 1 iu ny thc hin theo quy nh ca Th tng Chnh ph. Kt qu ti chnh ca Ngn hng Nh nc sau khi trch lp cc qu ti khon 1 iu ny c np vo ngn sch nh nc. iu 46. Hch ton k ton Ngn hng Nh nc thc hin hch ton k ton theo cc chun mc k ton ca Vit Nam v theo ch k ton c th ca Ngn hng trung ng theo quy nh ca Th tng Chnh ph. iu 47. Kim ton Bo co ti chnh hng nm ca Ngn hng Nh nc c Kim ton Nh nc kim ton v xc nhn. 10

iu 48. Nm ti chnh Nm ti chnh ca Ngn hng Nh nc bt u t ngy 01 thng 01 v kt thc vo ngy 31 thng 12 nm dng lch. Chng V THANH TRA, GIM ST NGN HNG iu 49. C quan thanh tra, gim st ngn hng 1. C quan Thanh tra, gim st ngn hng l n v thuc c cu t chc ca Ngn hng Nh nc, thc hin nhim v thanh tra, gim st ngn hng, phng, chng ra tin. 2. Th tng Chnh ph quy nh c th v t chc, nhim v, quyn hn ca C quan Thanh tra, gim st ngn hng. iu 50. Mc ch thanh tra, gim st ngn hng Thanh tra, gim st ngn hng nhm gp phn bo m s pht trin an ton, lnh mnh ca h thng cc t chc tn dng v h thng ti chnh; bo v quyn v li ch hp php ca ngi gi tin v khch hng ca t chc tn dng; duy tr v nng cao lng tin ca cng chng i vi h thng cc t chc tn dng; bo m vic chp hnh chnh sch, php lut v tin t v ngn hng; gp phn nng cao hiu qu v hiu lc qun l nh nc trong lnh vc tin t v ngn hng. iu 51. Nguyn tc thanh tra, gim st ngn hng 1. Thanh tra, gim st ngn hng phi tun theo php lut; bo m chnh xc, khch quan, trung thc, cng khai, dn ch, kp thi; khng lm cn tr hot ng bnh thng ca c quan, t chc, c nhn l i tng thanh tra, gim st ngn hng. 2. Kt hp thanh tra, gim st vic chp hnh chnh sch, php lut v tin t v ngn hng vi thanh tra, gim st ri ro trong hot ng ca i tng thanh tra, gim st ngn hng. 3. Thanh tra, gim st ngn hng c thc hin theo nguyn tc thanh tra, gim st ton b hot ng ca t chc tn dng. 4. Thanh tra, gim st ngn hng c thc hin theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan; trng hp c s khc nhau gia quy nh v thanh tra, gim st ngn hng ca Lut ny vi quy nh ca lut khc th thc hin theo quy nh ca Lut ny. 5. Thng c Ngn hng Nh nc quy nh trnh t, th tc thanh tra, gim st ngn hng. iu 52. i tng thanh tra ngn hng Ngn hng Nh nc thanh tra cc i tng sau y: 1. T chc tn dng, chi nhnh ngn hng nc ngoi, vn phng i din ca t chc tn dng nc ngoi, t chc nc ngoi khc c hot ng ngn hng. Trong trng hp cn thit, Ngn hng Nh nc yu cu c quan nh nc c thm quyn thanh tra hoc phi hp thanh tra cng ty con, cng ty lin kt ca t chc tn dng; 2. T chc c hot ng ngoi hi, hot ng kinh doanh vng; t chc hot ng thng tin tn dng; t chc cung ng dch v trung gian thanh ton khng phi l ngn hng; 3. C quan, t chc, c nhn Vit Nam v c quan, t chc, c nhn nc ngoi ti Vit Nam trong vic thc hin cc quy nh ca php lut v tin t v ngn hng thuc phm vi qun l nh nc ca Ngn hng Nh nc. iu 53. Quyn, ngha v ca i tng thanh tra ngn hng 11

1. Thc hin kt lun thanh tra. 2. Thc hin cc quyn, ngha v theo quy nh ca php lut. iu 54. Cn c ra quyt nh thanh tra Vic ra quyt nh thanh tra phi trn c s mt trong cc cn c sau y: 1. Chng trnh, k hoch thanh tra; 2. Yu cu ca Thng c Ngn hng Nh nc; 3. Khi pht hin c du hiu vi phm php lut; 4. Khi c du hiu ri ro e da s an ton hot ng ca t chc tn dng. iu 55. Ni dung thanh tra ngn hng 1. Thanh tra vic chp hnh php lut v tin t v ngn hng, vic thc hin cc quy nh trong giy php do Ngn hng Nh nc cp. 2. Xem xt, nh gi mc ri ro, nng lc qun tr ri ro v tnh hnh ti chnh ca i tng thanh tra ngn hng. 3. Kin ngh c quan nh nc c thm quyn sa i, b sung, hu b hoc ban hnh vn bn quy phm php lut p ng yu cu qun l nh nc v tin t v ngn hng. 4. Kin ngh, yu cu i tng thanh tra ngn hng c bin php hn ch, gim thiu v x l ri ro bo m an ton hot ng ngn hng v phng nga, ngn chn hnh ng dn n vi phm php lut. 5. Pht hin, ngn chn v x l theo thm quyn; kin ngh c quan nh nc c thm quyn x l vi phm php lut v tin t v ngn hng. iu 56. i tng gim st ngn hng Ngn hng Nh nc thc hin vic gim st ngn hng i vi mi hot ng ca t chc tn dng, chi nhnh ngn hng nc ngoi. Trong trng hp cn thit, Ngn hng Nh nc yu cu c quan nh nc c thm quyn gim st hoc phi hp gim st cng ty con, cng ty lin kt ca t chc tn dng. iu 57. Quyn, ngha v ca i tng gim st ngn hng 1. Cung cp kp thi, y , chnh xc thng tin, ti liu theo yu cu ca C quan Thanh tra, gim st ngn hng; chu trch nhim trc php lut v tnh chnh xc, trung thc ca thng tin, ti liu cung cp. 2. Bo co, gii trnh i vi khuyn ngh, cnh bo ri ro v an ton hot ng ca C quan Thanh tra, gim st ngn hng. 3. Thc hin khuyn ngh, cnh bo ri ro v an ton hot ng ca C quan Thanh tra, gim st ngn hng. iu 58. Ni dung gim st ngn hng 1. Thu thp, tng hp v x l ti liu, thng tin, d liu theo yu cu gim st ngn hng. 2. Xem xt, theo di tnh hnh chp hnh cc quy nh v an ton hot ng ngn hng v cc quy nh khc ca php lut v tin t v ngn hng; vic thc hin kt lun, kin ngh, quyt nh x l v thanh tra v khuyn ngh, cnh bo v gim st ngn hng. 3. Phn tch, nh gi tnh hnh ti chnh, hot ng, qun tr, iu hnh v mc ri ro ca t chc tn dng; xp hng cc t chc tn dng hng nm.

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4. Pht hin, cnh bo ri ro gy mt an ton hot ng ngn hng v nguy c dn n vi phm php lut v tin t v ngn hng. 5. Kin ngh, xut bin php phng nga, ngn chn v x l ri ro, vi phm php lut. iu 59. X l i tng thanh tra, gim st ngn hng 1. i tng thanh tra, gim st ngn hng vi phm php lut v tin t v ngn hng th tu theo tnh cht, mc vi phm m b x l k lut, x pht vi phm hnh chnh hoc truy cu trch nhim hnh s, nu gy thit hi th phi bi thng theo quy nh ca php lut. 2. Tu theo tnh cht, mc ri ro, Ngn hng Nh nc cn p dng cc bin php x l sau y i vi i tng thanh tra, gim st ngn hng: a) Hn ch chia c tc, chuyn nhng c phn, chuyn nhng ti sn; b) Hn ch vic m rng phm vi, quy m v a bn hot ng; c) Hn ch, nh ch, tm nh ch mt hoc mt s hot ng ngn hng; d) Yu cu t chc tn dng phi tng vn iu l p ng cc yu cu bo m an ton trong hot ng ngn hng; ) Yu cu t chc tn dng phi chuyn nhng vn iu l hoc vn c phn; c ng ln, c ng nm quyn kim sot, chi phi phi chuyn nhng c phn; e) Quyt nh gii hn tng trng tn dng i vi t chc tn dng trong nhng trng hp cn thit bo m an ton cho t chc tn dng v h thng cc t chc tn dng; g) p dng mt hoc mt s t l an ton cao hn mc quy nh. iu 60. Phi hp gia Ngn hng Nh nc vi b, c quan ngang b trong hot ng thanh tra, gim st ngn hng 1. Ngn hng Nh nc phi hp vi b, c quan ngang b c lin quan trao i thng tin v hot ng thanh tra, gim st trong lnh vc ti chnh, ngn hng thuc thm quyn qun l. 2. Ngn hng Nh nc ch tr, phi hp vi c quan nh nc c thm quyn thanh tra, gim st t chc tn dng; phi hp vi c quan nh nc c thm quyn thanh tra, gim st cng ty con, cng ty lin kt ca t chc tn dng theo quy nh ti iu 52 v iu 56 ca Lut ny. iu 61. Phi hp thanh tra, gim st ngn hng gia Ngn hng Nh nc vi c quan c thm quyn thanh tra, gim st ngn hng ca nc ngoi 1. Ngn hng Nh nc trao i thng tin v phi hp vi c quan c thm quyn thanh tra, gim st ngn hng ca nc ngoi trong vic thanh tra, gim st i tng thanh tra, gim st ngn hng nc ngoi hot ng trn lnh th Vit Nam v i tng thanh tra, gim st ngn hng ca Vit Nam hot ng nc ngoi. 2. Ngn hng Nh nc tha thun vi c quan c thm quyn thanh tra, gim st ngn hng ca nc ngoi v hnh thc, ni dung, c ch trao i thng tin v phi hp thanh tra, gim st ph hp vi quy nh ca php lut Vit Nam. Chng VI KIM TON NI B iu 62. Kim ton ni b 1. Kim ton ni b l n v thuc c cu t chc ca Ngn hng Nh nc, thc hin kim ton ni b v kim sot ni b Ngn hng Nh nc. 2. Quy ch kim ton ni b, kim sot ni b do Thng c Ngn hng Nh nc ban hnh. 13

iu 63. i tng, mc tiu v nguyn tc hot ng ca Kim ton ni b 1. i tng ca Kim ton ni b l cc n v thuc h thng Ngn hng Nh nc. 2. Mc tiu ca Kim ton ni b l nh gi v hiu qu hot ng kim sot ni b nhm bo m tin cy ca bo co ti chnh, hiu lc ca cc hot ng, tun th php lut, quy nh, quy trnh ca Ngn hng Nh nc, bo m an ton ti sn. 3. Hot ng ca Kim ton ni b c thc hin theo cc nguyn tc sau y: a) Tun th php lut, quy nh, quy trnh, k hoch c Thng c Ngn hng Nh nc ph duyt; b) Bo m tnh c lp, trung thc, khch quan, gi b mt nh nc v b mt ca n v c kim ton; c) Khng lm cn tr hot ng bnh thng ca n v c kim ton; d) Kim ton ni b c tip cn ti liu, h s, giao dch v cc ti liu cn thit khc ca i tng kim ton thc hin mc tiu kim ton. iu 64. Nhim v, quyn hn ca Kim ton ni b 1. Thc hin kim ton tt c cc n v thuc h thng Ngn hng Nh nc ph hp vi k hoch kim ton c ph duyt hoc theo yu cu ca Thng c Ngn hng Nh nc. 2. Thc hin kim ton ti chnh, kim ton hot ng v cc nhim v khc ca Ngn hng Nh nc. Chng VII IU KHON THI HNH iu 65. Hiu lc thi hnh 1. Lut ny c hiu lc thi hnh t ngy 01 thng 01 nm 2011. 2. Lut Ngn hng Nh nc Vit Nam s 01/1997/QH10 v Lut sa i, b sung mt s iu ca Lut Ngn hng Nh nc Vit Nam s 10/2003/QH11 ht hiu lc k t ngy Lut ny c hiu lc. iu 66. Quy nh chi tit v hng dn thi hnh Chnh ph quy nh chi tit v hng dn thi hnh cc iu, khon c giao trong Lut; hng dn nhng ni dung cn thit khc ca Lut ny p ng yu cu qun l nh nc. Lut ny c Quc hi nc Cng ha x hi ch ngha Vit Nam kha XII, k hp th 7 thng qua ngy 16 thng 6 nm 2010. CH TCH QUC HI Nguyn Ph Trng

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