~q ~ECONGTAcTHANHTRA,KIEMTRAcAc TOCHUcTHAMGIA ? ,,? ,,' '} , "" '} 8AOHIEMTtENGtnDUNGQUYDINHVAPHATHUYHIEUQUA ande thanhtra, ki~mtra eaet6 chucgiamgia baohi~mtien glti hi~nnay Ngay01 thang9 nam 1999,Chinh phuaa ban hanh Nghi dinh so 89/1999/NEJ-CP ve bao hiemtien gui Khoan EJieu13 Nghidinhcua Chinh phuvebaohiemtiengai,quydinh:"To chucbaohiemtiengaidlIqcquyentien hanhkiemtra vi$c chaphanhcac qui d!nh t~inghidinhnaycuato chuctham giabaohiemtienglri".EJieud6c6nghia V Tr~n Lny~n * glri chot6 chucbaohiE~m tienglrichUng t6vi$Ctrl!ctiepthanhtra,giamsatcacto chucthamgiabaohiemtienglrilanhi$m vI,!cuaTTNHNNmaml,!caichcuoicung la g6pphanbaodamantoanh$thong cacto chucthamgiabaohiemtiengai, bao v$ quyenva Iqi ich hqp phapcua nglf(1igai tien, phl,!cvI,!vi$cthl!c hi$n chinhsachtient$ quocgia Chonen,m~cdaut9i EJieu12 Nghi dinhcuaChinh phuvebaohiemtiengai lavi$ckiemtra cuacuato chucbaohiem c6 neu:"khiphathi$nto chucthamgia tienglri doi vm cac to chuc tham gia bao baohiemtiengai vi ph9mcacquydinh hiemtien gai dlIqc giai h9n nhung veantoantrangh09tdqngnganhang,to dieu,khoanda quy dinht9i nghidinh chucbaohiemtienguicoquyenyeucau macacto chuc tham gia bao hiem tien to chucthamgiabaohiemtienglri thl!c glriphaithl!c hi$n,Cl,!the nhlI: phainiem hi$ncacbi$nphapchanchinh,dongtMi yetcongkhai ve vi$c tham gia bao hiem baocaovaiNganhangNhanlIaC.Trang tienglri t9i trI,Jsa va cac diem giao dich trlIanghqpxetthayh09tdqngcuacacto (khoan2 EJieu2); phai thl!c hi$n dung chucthamgiabaohiemtienglric6nguy mucphi bao hiem tien glri, phai nqp va ca dan den mat kha nangchi tra, that h~chtoan khoan phi bao hiem tien gui vaochiphi h09tdqng (khoan1 va EJieu thoatIanve tai san ho~cco tac dqng nghiemtrQngtm cac to chuctin dl,!ng 6);phaithl!c hi$n dung so Ian nqp phi baohiem nam tai chinh (EJieu7); phainqp cac bao cao theo quy dinh va phaibaa cao g~p kh6 khan ve chitra, thay doi thanhvien Hqi dong quantr" Bankiemsoat,Tonggiamdoc (Giam doc)vathaih9nphaigai cacbao caotaichinhnam(khoan1,2,3EJieu11), khac,thito chucboohiemtienguico T~ cut NcANIIANc- s6 3NAM 2004 Thlrhai,khiTTNHNNthl!Chi$ntrach nhiemcuaminh,cungcapketquathanh tra,.giamsat cacto chucthamgia bao hiemtienglri choto chUcbaohiemtien gai nhlI da quydinha khoan3 EJieu13 trangNghidinh cua ChinhphUve bao hiemtiengai,vaneuthl!csl! cactochuc thamgiabaohiemtiengaicoviph9mthi quakhaithaccacket quatren,to chuc baohiemtiengai saphathi$ndlIqcvi$c to chucthamgia bao hiemtien glri vi ph9mcacquydinhveantoantrongh09t dqngnganhanghayc6nguycadanden matkhanangchitra,thatthoatIanvetai san ho~cco tac dqngnghiemtrQngtai cac to chuctin dl,!ngkhacde co bi$n phapxu Iy phuhqpmakhOngdIn phai trl!cti€pkiemtra nhCtng nqidungnay Tai Dif~u Quyet dmh s6 64120011QD-HDQT ngay29tha~g8 nam 2001cua H6i dongquantr! Baahiem liengiri Vi~tNamquydtnhnQidungkiem tracuato chlrcbaahiemtiengiri d6ivai cacto chlrc'thamgia baahiemtiengiri /;3: quyenyeucaucacto chUctham,giabao 1/ Kiemtra viecchaphanhcacquy hiemtien gai co bi$nphapchanchinh dinhcuaphapluatve baohiemtienglri: ' ' ':! ' kip "' 'thai,dongthai ' ' A baocao ' , ' Nganhang' :! a) H0 sa dangky thamglabao hlem Nh b h ap" 11I kh a nlIacco I~np apx y anc, bao hiemtien gui kiemtra nhCtngnqi dungnaymachidlIqckiemtramqtso nqidungtlIangtl! nhlIdadlIqctrinhbay' ~ ? ~' ~ thi dieunaycOngkhOngc6 nghiala de phat hi$n dlIqc nhCtngvi ph9m,thay dlIqc nhungnguyca neutren,to chuc COngt9iNghidinhnay,khoan3EJieu baohiemtienglri phaitrlfcti€pkiemtra 13quydinh:"Thanhtra NganhangNha cacnqid~ngcolienqu~n~e~nh~ng,vi nllaC(TTNHNN)c6 trach nhi$mcung ph9m,~hW;gn~:!uy ~~do~~IC?Ct~chl1c capket quathanhtra, giamsat cac to thamglabaohlembengl1lmachidlIqc chucthamgia baohiemtiengai choto kiemtra motso noidungtheoquydinh, , chucbaohiemtiengai;phoihqpxaIykip d o thai cacto chucthamgiabaohiemtien Thlr nhBt,nhCtngnqi dungvi ph9m guic6 nguyca matkhanangchitra,vi neutrenkhong thuocquyen kiemtracua :! ' :! ' :A' ", ph9mcacquydinhveantoantrangh09t to chI1Cbao hlem tlen glIl va trang ' ' ' ' ~ ' a(mgnganhang,c6 tY 1$nq qua h9n Ng!h a!nh cua ChInh phu ve bao h'A' lem cao", tien glri cOngkhOngquy dinhchoto chuc Vi$c quy dinh TTNHNNc6 trach nhi$mcungcapketquathanhtra,giam satcacto chucthamgia baohiemtien a phandaubaiviet ", tlenglIl, b)Tinhvanqpphibaohiemtienglri; c) Hosa,tai li$u,sosach,chUngtlI lienquandentienglridlIqcbaohiem; d) Ho sa,tai Ii$uso sach,chungtu lienquandencackhoanhotrqtai chinh cuaBaohiemtienguiVietNam; ':! ",' ' A ' 2/ Klemtra VI~Cchap hanh cacquy dinhve an toan tranghoatdongngan h~ng: , ' T h kh d a) rlIang qp ong lIac ch0 vay ' , vahanche tIndung; A '" ' ,,' ,b) GIOIh9n cho vay, bao lanh; c) Gimh9ngopvon,muacophan; Ngan hang Nha nvoc Chi nhanh Quang Ngai 27 ~ ~q d)TY1$baodamantoan; enrfch I~pdl! phongruiro; DCacquydinhvequantrjdieuhanh Thl!chi$nQuyetdjnhcuaHQidong quantri SaohiemtienguiVi$tNam,cac to chucbaohiemtiengui da lien hanh kiemtra cacto chucthamgiabaohiem tien gui, d~cbi$t 113 d6i vai cac quytin dl,Jngnhandanthuanghayduqc kiem tra.Quatheod6i,d6ichieugiaaketqua kiemtracuato chucbaohiemtienguive nhangvi ph9mcuacacto chucthamgia baohiemtienguimad~cbi$t113 nhangvi ph9mthuQcnQidungkiemtra thu vai ketquathanhtracuaTTNHNNdathanh tra truacd6 thi ca ban113 nhu nhau.Vi v~y,vi$cto chucbaohiemtiengui kiem tra nQidungthu2 trungI~pvainQidung thanhtra cuaTTNHNNvCIakh6ngcan thiet,vCIagayphientoaichocacto chuc thamgiabaohiemtiengui duqcchanchlnhkipthaisedandenvCIa vi ph9mChithi5622/2001/CT-TTg 11 thang9 nam 2001cua Thu tuang Chfnhphuvechanchlnhcongtacthanh tra, kiemtra doanhnghi$p;vCIabu6ng longquanIyvi$cchaphanhcacquydinh trongho9tdQngng8s1 hang Mgtvai kiennghi £)econgtac thanhtra, kiemtra d6i vai cacto chucthamgia baohiemtien guidungquydinhva phathuyhi$uqua, thietnghi,canthl!c hi$ndungcac quy dinhhi$nhanhc6lienquandencongtac thanhtra,kiemtravac6sl! ph6ihqpch~t chegiaaTTNHNNvaito chucbaohiem tienguitrongvi$cthanhtra,kiemtracac to chucthamgia.baohiemtien gui, CI,J, the 113: MQtla,to chucbaohiemtiengui chi nenthl!chi$nvi$ckiemtra cacto chuc thamgiabaohiemtrongvi$Cchaphanh M~tkhac,do mQt56nQidungthanh cacquydinhtrongNghidinhcuaChfnh tra,kiemtratrungI~pnenthuangxayra phuve baohiemtiengui maca ban113 tu tuangchuquan.NainaomaTTNHNN cac nQidungkiemtra da duqcneut9i chorangneuTTNHNNkMngthanhtra khoan £)ieu Quyet dinh 56 ngay29thang8 nam thida c6to chUcbaohiemtiengUikiem 64/2001/Q£)-H£)QT tra cacto chucthamgi~ baohiem!ien 2001cua HQidongquantri Saohiem guivanguqc19imakh6ngthl!chi$nvi$c tiengUiVi$tNam.C6nhuv~y,vi$ckiem thanhtrahaykiemtrasedandentru ... Chfnhphuvechanchlnhcongtacthanh tra, kiemtra doanhnghi$p;vCIabu6ng longquanIyvi$cchaphanhcacquydinh trongho9tdQngng8s1 hang Mgtvai kiennghi £)econgtac thanhtra, kiemtra d6i vai cacto chucthamgia baohiemtien guidungquydinhva... phathuyhi$uqua, thietnghi,canthl!c hi$ndungcac quy dinhhi$nhanhc6lienquandencongtac thanhtra,kiemtravac6sl! ph6ihqpch~t chegiaaTTNHNNvaito chucbaohiem tienguitrongvi$cthanhtra,kiemtracac to chucthamgia.baohiemtien... chucthamgia baohiem dungquydinh,hi$Uqua 19ivCIakhong tienguinhieunamlienkMngduqcthanh chongchaovClinQidungthanhtra cua tra ho~ckiemtra.Vi$cnay,neu kh6ng TTNHNN Cae eong ty tai ehinh (Tiep theo trang