-Khi nim: T chc tn dng l doanh nghip hot ng kinh doanh tin t, lm dch v ngn

hng vi ni dung nhn tin gi v s dng tin gi cp tn dng, cung ng cc dch v thanh
ton.
-Phn loi: T chc tn dng bao gm hai loi: ngn hng v t chc tn dng phi ngn hng.
+)Ngn hng l loi hnh t chc tn dng c thc hin ton b hot ng ngn hng
v cc hot ng kinh doanh khc c lin quan. Theo tnh cht v mc tiu hot ng, cc loi
hnh ngn hng gm ngn hng thng mi, ngn hng pht trin, ngn hng u t, ngn hng
chnh sch, ngn hng hp tc v cc loi hnh ngn hng khc.
Hot ng ngn hng l hot ng kinh doanh tin t v dch v ngn hng vi ni dung thng
xuyn l nhn tin gi, s dng s tin ny cp tn dng v cung ng cc dch v thanh ton.
+) T chc tn dng phi ngn hng: y l loi hnh t chc tn dng c thc hin
mt s hot ng ngn hng nh l ni dung kinh doanh thng xuyn, nhng khng c nhn
tin gi khng k hn, khng lm dch v thanh ton.
T chc tn dng phi ngn hng gm cng ty ti chnh, cng ty cho thu ti chnh, qu u t v
cng ty bo him.
- Hot ng ca t chc tn dng:
+) Huy ng vn: gm Nhn tin gi, Pht hnh giy t c gi, Vay vn gia cc t chc tn
dng, Vay vn ca Ngn hng Nh nc.
+) Cp tn dng cho t chc, c nhn di cc hnh thc cho vay, chit khu thng phiu v giy
t c gi khc, bo lnh, cho thu ti chnh.
+) Dch v thanh ton v ngn qu: M ti khon, Dch v thanh ton, Dch v ngn qu, tham
gia cc h thng thanh ton.
+) Cc hot ng khc: Gp vn, mua c phn, Tham gia th trng tin t, Kinh doanh ngoi hi
v vng, Nghip v u thc v i l, Kinh doanh bt ng sn, Kinh doanh v dch v bo him,
Dch v t vn ...
- Cc loi t chc tn dng ch yu Vit Nam: ( phn ny cu v biu gip t nh)
Theo Lut Sa i, b sung mt s iu ca Lut cc t chc tn dng (2004), Vit Nam c cc
loi t chc tn dng sau:
- Cc t chc tn dng nh nc
- Cc ngn hng thng mi c phn th
- Cc ngn hng thng mi c phn nng thn
- Cc chi nhnh ngn hng nc ngoi
- Cc ngn hng lin doanh

- Cc cng ty ti chnh
- Cc cng ty cho thu ti chnh
- Vn phng i din ngn hng nc ngoi
- Ngn hng 100% vn u t nc ngoi.