NGAN HANG NONG NGHl~P eONG HoA xA HOI eHl; NGHIA VI~T NAM

vA PH AT TRIEN NONG THO:~ vltr NAM D)c I~p -Tl;l' do - HS;lnh phuc
-----------~------o-------------------- ---------------0-----------------
561131 /NHNo- TDHo Ha Ni, ngayaffhang 5 nam 2009
"v/v gidi dap VUlfng mile cho vay
ttu dili lili suelf hb IN; ImYfJl n.ghh.>"

Kin}, gm: So' giao djch, Chi nhanh lo~i 1, lo~i 2.

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Ngay 23/4j2009 Hqi d6ng quan tr~NHNo&PTNT Vi~t Narn ban himh kern theo
Quyet djnh so 480/QD-HDQT- TDHo "Quy dinh chfnh sach cho vay uu diii Iiii suat
theo chuang tdnh h6 tr<!cac huy~n ngheo tt;liNgh! quyet s6 30a/2008/NQ-CP".
Can Cll Quy d~nh va y kien de nghi cua rnQt s6 chi nhanh, T6ng giarn d6c giai
dap IDQts6 vuong mAc nhu sau:
Can 1: cae chi nhanh co dU<;1c cho yay trung. dai hC;\nkhong?
TnllOi: Thong tl1 s6 06/2009{fT-NHNN ngay 09/4/2009 khong quy d!nh Cl;lthe
vi~c cac TeTD dU<Jctl:.~c hi~l~ lO~ti..eho yay nao (ng{m hC;\n,trung dai hi;ln); M~t khac
theo rnl;lc tieu cua Ngh~ quye:t ~~~30~~/2008~Q-CP Ia: "tq.o S~( chuyln bien nhanh hml
vi dtYi si/ng w;u chat, tinb ,the;"!lrho, iigi!i-ngh.~o, 4rng bao dan lC lhilu st/ thuc ale
.) .} .' ",' .' . ";' ." ', . ' '" ... ' ,I... { .

huyn ngheo, bao dam d,n lliim.~(J~9l!8,C:l~8. bang cae huyn khac trang khu vlfc ".
Nhu v~y cae chi nhanh co the xern xet cho yay trung, dai hi;ln tren co s6 bao
dam dung cac quy dinh hinh~nh,va,&ntoan"hi~u qua v6n yay. ; . ~i' l , _. "

; Can 2: Cae khoan yay dlf<Jc\gi~ing[lI~trUlJCngay 09/4/2009 den nay con du n<;1
co dU<;1c ap dl.1ngh6 tr<;150% Wi sllf(,''iin yay khong?
Tra 1m: Khong dU<Jcap dl:liig\h~ trq 50% Hiisuat tien vay.
Can 3: Hqp d6ng tin '~ll;l~g ~.Y.k,.et'.trl~oengay 09/4/2009 nhung kho~n yay dU<Jc
giai ngan ke tic ngay 09/4/29Q9 eo d~gc tr<;1liiisuat khong? ~o
Tra 1m: DU<;1C ho trq'liii~uai n~u',khong vi phi;lrnquy djnh ti;likhoan 2 Dieu 1
"Quy d~nh chinh sach cho yay uu'diii Iiii sllat theo chuang trlnh h6 tr<;1cac huy~n ngheo
t'.li Nghi quyet s6 30a12009!_'H2-CP" ban hanh kern theo Quyet d~nh 's6 480/QD-
HDQT-TDHo: "dOl voi nhfillg khodn yay thu(JC de)l ttt{fng ap d~tng hb lr~1leU sua!
kh6ng trd IU! dling hqn, hi chuye'n sang n~1qua h(m thi kh6ng du'l!c ap d,!ng ho'tr(lliii
suetl kl tit ngay khadn yay hi chuyln sang nr; qua hqn".
Can 4: Cae khoan yay dii dU<;1c ap dl;lng h6 trg 50% Uii suat theo Thong tu s6
06/2009{fT-NHNN thl co duc/c ap dllng h6 tr<;14% liii suat theo Thong tu s6
02/2009m-NH~N va Thong tu s6 04/2009nT-NHNN khong?
Tnllm: Chi dl1~fCap dl~ngml>l hlnh thuc h6 trg Iiii suat cho rnQt khoan yay.
CaD 5: HQ gia dlnh khong pha.i Ia hQ ngheo nhl;lnkhoan cham soc, bao v~ rUng
ho~c dU<;1cgiao rirng san xuat va giao dat d~ tr6ng rung san xuat theo quy hOi;lChkhi
yay von chi nhanh NHNo co dUlJCh6 tr<;150% liii suat tit~nyay khong?
Tra 1m: Theo quy d!nh ti;litiet a va b diem 1 khoan A ml;lc II Phan II Ngh!
quyet s6 30a/2009/NQ-CP thl khCmgdU<;1c h6 trg 50% Hiisuat tien yay IDa dU<;1c huang
tien khoan cham s6c, bAo v~ rung 200.000 d6nglha/niim hoi!c dUgc hi> trg Ian d~
giong cay lam nghip theo quy tdnh trong rilng san xuat tit 02-05 triu dong/ha (rnuc
Cl;}the do Chi! tich UBND tinh, thanh pho quyet d!nh),
Can 6: cae chi nhanh l.hl!chi~n h~ch toan, vi~c h6 lrg lai suat nl).uthe nao?
.. Tra 101:, Khi. BC) Tai chfnh co van ban chi dl;\o, NHNo&PfNT Vi~t Narn se
hU6ng dan cl;1the.
Can 7: Doanh nghi~p A co trl;}s6 va dang ky kinh doanh t~i HA N(>i, duqc rn(>t
chi nhanh NHNo tren diabim Ha N(>icho yay de dau tu m(>tdaychuyen che bien che
xuat khAu t~i huy~n Meo V~c. Khoan yay cua Doanh nghip A CISdugc ap dl;}ngh6 trg
Uii smlt khong?
Tra 1m: Theo quy dinh t~i khoan 3 Dieu 2 "Quy dinh chinh sach cho yay uu dai
Iai suat theo chuang trinh ht>lrq cac huy~n ngheo t~i Ngh! quyet s6 30a/2009/NQ-CP"
ban hanh kern. theQ ;QYY,~ti9il1~!I~Q:14~WQD-HQ91"TDHo thl khoan yay cua Doanh
nghip A dugc ap dl;1nghb trg50% lai suat tieri"'vay. Chi nhanh cho doanh nghi~p A
yay se thl;lc hin hb trq 50% Hii suat tien yay va tdng hgp bao cao NHNo Vit Nam
theo quy djnh hin himh.
Can 8: HQ ong A da due;:c NgAn hang Chfnh sach xa h(>i.;ho yay 20 triu dong
va dugc ap dl;lng h6 tr9' Socii. liii suat ti~n vay, nay co nhu diu yay them von cua
NHNo&JYfNT Vit Nam, chi nhal1h co duqc cho yay va ap dl;lng h6 trg 50% lai suat
tien yay khong?
Tra 1m: Ve nguyen tAc, hI) ngheo dugc Ngan hangChfnh sach xa h(>igiai quyet
cho yay theo quy d!nh t~i Nghi d!nh's6 78/2oo2/ND-CP ngay 04/10/2002. Tuy nhien
Chi nhanh vAn co the xem n~lva quyet d!nh cho yay va thl;lChi~:nh6 trg 50% Hii suat
tien yay neu hI) Dng A cha~}thl~~nWi' s~al cho yay theo quy djnh hin hanh cua T6ng
giam doc va cO che cho vav th911g-tItaoog cua NHNo&PTNT Vil Nam.
Can 9: H(> gia dlnhthu~'c'd!i(bi\n huy~n ngheo yay yon de phat trien nganh
nghe tieu thu cong nghip va kinh''dbantrthuoog rn~i co dugc hlt trg 50% lai suat tien
yay khong? ", : :",'j "I, "

Tra 101: Theo khClah~;Dieujl'VakHoai12Di~n 2 "Quy dinh chfnh sach cho yay
uu dai Jiii ~;uat theo chudrig'trlrlli" h6' trq cac huyn ngheo t~i Ngh! quyet so
30a/2009/NQ-CP" ban h,lrih 1(en1 theo'Quyet d!nh s6 480/QD-HDQT-TDHo thi: "cae
hQ ngheo, elle hl! san XUQt ;/(j/thdoUnh, 'cac doanlz nghi~p. hf!p rae xii, cac chu trang
tr~i dd'u tu phat triln sdn XUQt kl"'nh'Uoaitha'en dia ban 6/ huyr.' ngheo" khi yay von
NHNo&PTNT Vit Narn "de' phdttri'ln san xuat nong nghi~p, dou tU Cd sa che' bien,
bdo qudn va (ihl th~1llong s.)n,du'e'c Nglln sach N hiL mt{lC h6 trq 50% /tii swJt tie'n
vay .
" 1,

Nh~n duqc van bimilily, de ngh~ cac chi nhanh triell khai th1;IChi'n dung chi

Nai nhan :
- Nhu tren (th\l'c hin);
- HDQT (d6 b/c);
- Ban dieu h~mh;
- Ok Ban-TSC;
- VPDO mi~n Trung, mien Nam;
- Ll1U VP, PC, TDHo.