TI SN BO M

I. KHI QUT CHUNG V BO M TN DNG BNG TI SN BO M: 1. C s php l: Bo m tn dng bng TSB c thc hin theo Ngh nh 178/1999/N-CP ban hnh ngy 29/12/2006 ca Chnh Ph v thng t hng dn s 60/2000/TTNHNN1 ngy 04/04/2000 v bo m tin vay ca cc t chc tn dng; Ngh nh s 85/2002/N-CP ngy 25/10/2002 v sa i, b sung Ngh nh 178/1999/N-CP ngy 29/12/1999 v bo m tin vay ca cc t chc tn dng.

2. Khi nim: bo m tn dng bng TSB l l vic bn vay vn dng ti sn thuc quyn s hu ca mnh bo m vi bn cho vay v kh nng hon tr n vay ca mnh.

3. Tc dng: Bo m tn dng bng TSB c mt s tc dng ch yu nh sau: - Gim bt tn tht cho ngn hng khi khch hng v mt l do no khng thanh ton c n. - Lm ng lc thc y khch hng tr n v s dng vn vay c hiu qu. - L ro cn i vi nhng i tng i vay c ch nh la o.

4. iu kin ca TSB: Ngh nh 178/1999/N-CP v Ngh nh 85/2002/N-CP qui nh: - Ti sn l s hu hp php ca ngi i vay.

- Ti sn khng b tranh chp. - Ti sn d dng mua bn, chuyn nhng. - Phi mua bo him cho ti sn trong thi hn bo m tin vay. 5. Cc bin php m bo tin vay bng ti sn: C ba hnh thc: - Cm c, th chp bng ti sn ca khch hng vay: Cm c ti sn l vic ngi i vay chuyn giao ti sn cho ngn hng cho vay nm gi vay mt s tin nht nh v dng ti sn bo m cho s n vay, khi n hn ngi i vay khng tr c n cho ngn hng th ngn hng s pht mi ti sn cm c hoc tip nhn ti sn cm c thu n. ng sn cm c c th l loi khng cn ng k quyn s hu, c loi ng k quyn s hu. i vi loi ti sn khng ng k quyn s hu khi cm c ti sn phi c giao np cho bn cho vay. i vi ti sn c ng k quyn s hu, khi cm c c th tho thun bn cm c gi ti sn hoc giao ti sn cm c cho bn th ba gi.