Quyết định 1660/QĐ-TTG (2022)

# Văn bản - Lĩnh vực: Tai chinh Ngan hang --- J 86:440 /QD-TTg HaNdi,ngay thdng 12 nam 2022 THU TUdNG CHINH PHU QUYET DINH: THU TUdNG CHINH PHU CONG IIOA XA HO1 CHU NGHIA VIET NAM ---------- Doc lap - Tir do - Hanh phuc Can cu’Luat To chuc Chinhphii ngdy 19 thdng 6 nam 2015; Ludt sua doi, bo sung mot so dieu cua Ludt To chuc Chinh phu vd Ludt To chuc chinh quyen dia phuang ngdy 22 thdng 11 nam 2019; Can cu Ludt Ngdn hang Nhd nude Viet Nam ngdy 16 thdng 6 nam 2010; Can cu Ludt Bdo hiem tien gui ngdy 18 thdng 6 nam 2012; Can cu Ludt Cdc to chuc tin dung ngdy 16 thdng 6 nam 2010; Ludt sua doi, bo sung mot so dieu cua Ludt Cdc to chuc tin dung ngdy 20 thdng 11 nam 2017; Can cu Ludt Quan ly, su dung von nhd nude ddu tu vdo san xudt, kinh doanh tai doanh nghiep ngdy 26 thdng 11 nam 2014; Can cu Nghi dinh so 16/2017/ND-CP ngdy 17 thdng 02 nam 2017 cua Chinh phu guy dinh chuc ndng, nhiem vu, quyen han vd ca cdu to chuc cua Ngdn hang Nhd nude Viet Nam; Can cu Quyet dinh so 986/QD-TTg ngdy 08 thdng 8 nam 2018 cua Thu tudng Chinh phu ve phe duyet Chien luac phdt trien ngdnh Ngdn hang Viet Nam den nam 2025, dinh hudng den nam 2030; Theo de nghi cua Thong doc Ngdn hang Nhd nude Viet Nam tai van ban so 136/TTr-NHNN ngdy 05 thdng 12 nam 2022. Dieu 1. Phe duyet kem theo Quyet dinh nay “Chien luge phat trien bao hiem tien gui den nam 2025, dinh huong den nam 2030” (sau day goi la Chien♦ * ' luge phat trien bao hiem tien gui) vdi nhung npi dung sau: i congthQngtin chinh phu a quyet dinh * '—I Ve viec phe duyet Chien luoc phat trien bao hiem tien gui den nam 2025, dinh huong den nam 2030 -- 1 of 10 -- 2 I. QUAN DIEM, MUC TIEU 1. Quan diem *> 9 9 > \ 9 r - Su phat trien cua to chuc bao hiem tien gui gop phan on dinh he thong9 9 r r tai chinh, ngan hang Viet Nam, thuc day su phat then cua kinh te xa hoi dat nude. r ? f 9 \ - Kien tri muc tieu thong nhat cua he thong bao hiem tien gui la bao ve' \ X 7 quyen va lai ich hap phap cua ngudi gui tien, gop phan duy tri su on dinh cua he thong cac to chuc tin dung, chi nhanh ngan hang nude ngoai, dam bao su phat trien an toan, lanh manh cua hoat dong ngan hang. - Tang cuang vai trd cua to chuc bao hiem tien gui trong qua trinh thamF 1 •> \ F F F ■ gia tai ca cau cac to chuc tham gia bao hiem tien gui yeu kem gan vdi xu ly nq xau. 9 F F , - Tang cuang nghien cun, ap dung cac chuan muc qudc te vao boat dongOX F 9 / bao hiem tien gui va cac hoat dong nghiep vu lien quan den cac to chuc tham gia bao hiem tien gui. ! - Ung dung khoa hoc, cong nghe hien dai va ddi mdi sang tao di ddi vdi phat trien ngudn nhan luc cd chat luqng cao la nhung thanh to then chdt cho su9 X 0 9 X phat trien nhanh va ben vung cua to chuc bao hiem tien gui. 2. Muc tieu 0 a) Muc tieu tong quat - Bao ve quyen va lai Ich hop phap cua ngudi gui tien, gop phan tlch cue duy tri su on dinh cua he thong cac to chuc tin dung, chi nhanh ngan hang nude ngoai, bao dam su phat trien an toan, lanh manh cua hoat dong ngan hang. F OX - Nang cao chat luqng, hieu qua trong hoat dong bao hiem tien gui bao gdm chung nhan tham gia bao hiem tien gui, thong tin bao cao, giam sat, kiem tra, tham gia kiem soat dac biet, phat hien, canh bao sdm nhung rui ro tiem an ddi vdi to chuc tham gia bao hiem tien gui; tham gia tai ca cau cd hieu qua ddi9 9 X F 9 I vdi cac to chuc tham gia bao hiem tien gui yeu kem; tinh va thu phi bao hierh tien gui, quan ly ngudn vdn va dau tu, tuyen truyen chinh sach bao hiem tieh gui, chi tra bao hiem tien gui theo hudng phu hop vdi thong le qudc te va cac quy dinh cua phap luat Viet Nam. ! 9 OX 0 9 j - Tang cudng nang luc tai chinh cua to chuc bao hiem tien gui de khang dinh cam ket cua Nha nude va nang cao niem tin cua ngudi gui tien ddi vdi9 X chinh sach bao hiem tien gui. 9 b) Muc tieu cu the Ft X O F - Phan dau ty le ngudi gui tien duqc bao hiem toan bd tren tong so ngudi X *9 F z| gui tien duqc bao hiem dat 92% - 95%, dam bao phu hop vdi thong le qudc te. -- 2 of 10 -- .1 3 z z r ft - Phan dau rut ngan thai gian chi tra thuc te ke tu khi phat sinh nghia vu tra tien bao hiem den nam 2025 la 30 ngay lam viec va den nam 2030 la 15 ngay lam viec, nham giup ngirai gui tien dirge tiep can sam vai tien gui cua minh khi to chuc tham gia bao hiem tien gui dune xu ly. - Phan dau dat muc tieu den nam 2025 co 45% va den nam 2030 co 55% nguoi gui tien nam bat dugc cac noi dung cot loi cua chinh sach bao hiem tien gui. II. NHIEM VU, GIAIPBLAP CHU YEU VA LO TRINH THUt HIEN 1. Hoan thien ca sa phap ly - Sua doi, bo sung Luat Bao hiem tien gui va he thong van ban huang dan* thi hanh Luat Bao hiem tien gui, Luat Cac to chuc tin dung. - Hoan thien quy dinh ve che do tai chinh cua to chuc bao hiem tien gui. 2. Hoan thien chinh sach bao hiem tien gui \ f - Dinh ky ra soat, danh gia muc do phu hop va de xuat dieu chinh han muc tra tien bao hiem nham tien tdi ty le ngubi gui tien dugc bao hiem toan bo tren9 f \ 9 tong so nguoi ^ui tien dugc bao hiem dat 92% - 95%, dam bao phu hgp vdi thong le quoc te. % / y f - Nghien cuu, danh gia cac dieu kien thuc te cua Viet Nam va de xuat thai9 f 9 9 * diem phu hgp tien hanh xay dung, trien khai phi bao hiem tien gui tren co sa danh gia va phan loai to chuc tham gia bao hiem tien gui. 9 3. Hoat dong bao hiem tien gui a) Hoan thien khung phap ly va quy trlnh thuc hien cap, thu hoi va quan ly chung nhan tham gia bao hiem tien gui Giai doan 2022 - 2025: - Hoan thien quy trlnh cap chung nhan bao hiem tien gui dam bao ung dung cong nghe thong tin nang cao hieu qua cong tac cap chung nhan bao hiem tien gui, dam bao quyen Igi cua to chuc tham gia bao hiem tien gui. - De xuat sua doi, bo sung noi dung ve niem yet Chung nhan tham gia bao9 \ r hiem tien gui cho phu hgp vai thuc te. b) Thong tin bao cao / - Thuong xuyen ra soat, danh gia su van hanh va hoan thien he thong thong tin bao cao dam bao thong tin day du, dang tin cay. -- 3 of 10 -- ■ / 4 r r o - Nang cao hieu qua phoi hop, cung cap thong tin giua to chuc bao hiem tien gui vdi Ngan hang Nha nude Viet Nam va cac co quan co lien quan. ! - Xay dung he thong thong tin, du lieu day du, dong bo dam bao nguon> \ r thong tin day du, dang tin cay bao gom (i) He thong co so thong tin, du lieuA • r \ \ I nhan tir Ngan hang Nha nuoc Viet Nam; (ii) He thong co sd du lieu ve tien gui7 duqc bao hiem. - Dam bao khai thac hieu qua va cd nhung dieu chinh phu hap vdi thuc/V 7 7 \ f tien boat dong cua to chuc bao hiem tien gui, dam bao he thong van hanh thongr f \ \ 7 7 \ I sudt, cung cap day du thong tin ve cac to chuc tham gia bao hiem tien gui bad gom thong tin tu Ngan hang Nha nude Viet Nam, tien gui duoc bao hiem, toanX X 7 7 X 7 X bp ho so ve to chuc tham gia bao hiem tien gui tir khi tham gia bao hiem tien gui va toan bp qua trinh giam sat boat dong cua to chuc tham gia bao hiehi tien gui. . | - Thubng xuyen danh gia thuc trang cua cac to chuc tham gia bao hiem' tien gui de du bao trade kha nang chi tra bao hiem va cd ke hoach xay dung cac nguon thu cua to chuc bao hiem tien gui neu to chuc tham gia bao hiem tien giri lam vao tinh trang mat kha nang chi tra tien gui cho ngudi gui tien hoac pha san. 1 . t t Ic) Nang cao hieu qua boat dong kiem tra, giam sat, canh bao sdm | - Giai doan 2022 - 2025: + Nghien cuu, de xuat sua ddi, bo sung Luat Bao hiem tien gui npi dung XX 7 7 X | quy dinh ve quyen va nghia vu cua to chuc bao hiem tien gui trong viec ho trp7 chuc nang kiem tra, giam sat cua Ngan hang Nha nude Viet Nam ddi vdi quy tin dung nhan dan. j 7 XX 7 | 9 + Thuc hien kiem tra chuyen sau ve tien gui dupe bao hiem tai 100% |td7 x r r 9 chuc tham gia bao hiem tien gui yeu kem theo ket qua giam sat cua to chuc bao hiem tien gui. I - Giai doan 2025 - 2030: i + Hoan thien cac phuong phap giam sat rui ro va bp chi tieu giam sat, chu trong phat hien, canh bao sdm nhung rui ro tiem an ddi vdi to chuc tham gia9 X 9 9 7 •XXA/k'? bao hiem tien gui, de phu hpp vdi su phat trien cua thi trudng va yeu cau eda Ngan hang Nha nude Viet Nam trong tung thbi ky. + Ung dung cac md hinh giam sat tien tien nham dam bao cac to chuc tham gia bao hiem tien gui tuan thu cac quy dinh cua phap luat ve tien gui dupre bao hiem, phat hien, canh bao sdm nhung rui ro tiem an ddi vdi to chuc tham gia bao hidm tidn gui nhiim bao ve kip thdi quyen va Ipi ich cua ngudi gui tien. -- 4 of 10 -- 5 5 * X d) Tinh va thu phi bao hiem tien gui Giai doan 2022 - 2025: - Nang cao hieu qua va tang cuang ung dung cong nghe thong tin trong cong tac tinh va thu phi bao hiem tien gui nham dam bao nguon thu tu phi bao hiem tien gui. \ r •> \ * - Nghien cuu, de xuat sua doi, bo sung Luat Bao hiem tien gui ve trach nhiem cua to chuc tham gia bao hiem tien gui trong viec tinh va nop phi bao • * • ' • hiem tien gui. d) Tham gia kiem soat dac biet, xu ly cac to chuc tham gia bao hiem tien gui - Tham gia, phoi hop chat che voi Ngan hang Nha nude Viet Nam trong qua trinh kiem soat dac biet doi voi cac to chuc tham gia bao hiem tien gui yeu kem, nham dam bao quyen loi cua ngudi gui tien. Trien khai chuc nang, nhiem9 9 t \ 9 vu dune quy dinh tai Luat sua doi, bo sung mot so dieu Luat Cac to chuc tin dung. - Giai doan 2022 - 2025: Xay dung De an ap dung bo sung cac bien phap va hinh thuc xu ly to chuc tham gia bao hiem tien gui yeu kem theo huong phu hop vdi thong le quoc te va dieu kien thuc te tai Viet Nam. e) Tang cuang hieu qua chi tra bao hiem tien gui va thanh ly tai san - Nghien cuu, de xuat sua doi, bo sung Luat Bao hiem tien gui nham: (i)♦ X Dam bao ngan chan tinh trang true lai bao hiem tien gui, nang cao trach nhiem phoi hop giua to chuc bao hiem tien gui va cac ca quan lien quan; (ii) Tao hanh lang phap ly de to chuc bao hiem tien gui tham gia thanh ly tai san cua to chuc tham gia bao hiem tien gui nham toi da hoa gia tri thu hoi. f 9 - Xay dung ke hoach du phong va dien tap chi tra cho tirng loai hinh to9 X chuc tham gia bao hiem tien gui. - Xay dung so tay chi tra doi vdi tung loai hinh to chuc tham gia bao hiem tien gui nham chuan hda quy trinh chi tra, da dang hda cac hinh thuc chi tra, ap dung edng nghe thong tin vao qua trinh chi tra nham rut ngan thdi gian chi tra thuc te. XX 9 5 g) Ve tuyen truyen chinh sach bao hiem tien gui - Trien khai cong tac tuyen truyen chinh sach bao hiem tien gui tap trung vao cac doi tugng edng chung muc tieu trong tung giai doan nhat dinh phu hop vdi tinh hinh thuc te. X - Nang cao hieu qua va da dang hda hinh thuc tuyen truyen chinh sach bao hiem tien gui. -- 5 of 10 -- 6 - Nghien cun, de xuat sua doi, bo sung Luat Bao hiem tien gui noi dung quy dinh to chuc tham gia bao hiem tien gui co track nhiem phoi hap vdi to chuc bao hiem tien gui tuyen truyen chinh sach bao hiem ti£n gui. - Trien khai khao sat muc do nhan thuc ve chinh sach bao hiem tien gui cua nguai gui tien, sau do thuc hien khao sat muc do nhan thuc cua ngubi gui tien ba nam mot lan. - Xay dung De an truyen thong tong the va dai han phu hop vai Chien luac phat trien bao hiem tien gui. / A \ A h) Cac van de khac ve bao hiem tien gui Giai doan 2022 - 2025: a r r x \ - Nghien cuu, de xuat ky ket thoa thuan hop tac ve bao hiem tien gui xuyen quoc gia trong khuon kho hop tac giua ngan hang trung uang hoac co quan coA 9 A A * tham quyen cac nude de dam bao quyen loi cua ngubi gui tien tai cac chi nhanh ngan hang nude ngoai tai Viet Nam cung nhu tai chi nhanh ngan hang Viet Nam cd boat dong b nude ngoai. a r r q - Nghien cuu, de xuat co che bao ve phap ly cho to chuc va ca nhan lam viec cho to chuc bao hiem tien gui trong qua trinh thuc hien nhiem vu duqc giab. 4. To chuc bao hiem tien gui O 7 A a) Nang cao nang luc tai chinh cua to chuc bao hiem tien gui - Giai doan 2022 - 2025 y r r •> x 't •> + Nghien cuu, de xuat cap cd tham quyen sua doi, bo sung cac quy dinh phap luat cd lien quan, dam bao day du co sb phap luat de thuc hien: r A 9 9 A A + Tang von dieu le cho to chuc bao hiem tien gui len 10.000 ty dong vaoA A nam 2025 va len 15.000 ty dong vao nam 2030 tu ngubn tu tich luy va cac ngubn von hop phap khac nham dam bao nang luc tai chinh cua to chuc bao hiem tien gui, khang dinh cam ket cua Nha nude va nang cao mem tin cua ngubi gui tien doi vdi chinh sach bao hiem tien gui, dam bao ngubn luc trien khai hieu qua boat dong bao hiem tien gui. 9 + Tang cubng nang luc tai chinh thong qua viec cho phep to chuc bao hiem tien gui da dang hoa hinh thuc va danh muc dau tu gbm: (i) Mua va ban trai phieu do Chinh phu bao lanh; (ii) Gui tien tai ngan hang thuong mai co chat luqng hoat dong tot; (iii) Mua va ban trai phieu, ky phieu, tin phieu, chung chi tien gui do cac ngan hang thuong mai co chat luong hoat dong tot phat hanh; (iv) Mua, ban trai phibu chinh quyen dia phuong theo quy dinh cua Luat Ngan sach nha nude, Luat Quan ly no ebng, cac van ban hudng dan va duoc xep hang tin nhiem cao. -- 6 of 10 -- J 7 + Bo sung hinh thuc vay tu Ngan hang Nha nude Viet Nam trong trudng hop nguon von cua to chuc bao hiem tien gui khong du de tra tien bao hiem. - Xay dung De an tiep can nguon von ho tro trong trudng hop nguon von• fl > fl > fl cua to chuc bao hiem tien gui tarn thdi khong du de tra tien bao hiem. fl fl b) To chuc bo may, phat trien nguon nhan luc - Thudng xuyen ra scat va hoan thien he thong van ban va co’ che quan tri dieu hanh. fl fl - Doi mdi cong tac nhan su nhu tuyen dung, danh gia ngudi lao dong, quy hoach, bo nhiem, khen thudng nham hinh thanh dpi ngu nhan luc chuyen nghiep, cd trinh do chuyen mon nghiep vu cao, gan bo vdi to chuc. - Giai doan 2022 - 2025: fl + Hoan thien mo hinh to chuc bp may theo hudng tinh gon, chuyen mon hoa cao, hieu qua va dong bp trong quan tri dieu hanh tu tru sd chinh den cac chi nhanh. \ fl f + Xay dung De an phat trien nguon nhan luc phu hop vdi Chien luge phat trien bao hiem tien gui. c) Cong tac dao tao - Lfu tien dao tao chuyen sau cho dpi ngu ndng cot ve chuyen mon nghiep vu, dpi ngu lanh dao cd nang luc. - Thuc day phat then hinh thuc dao tao npi bp va dao tao true tuyen (e-leaming). - Tang cudng phdi hop vdi Ngan hang Nha nude Viet Nam va mot so don vi dao tao khac de tan dung Igi the san cd ve chuyen mon, co sd vat chat, kinh nghiem quan ly dao tao cua cac don vi nay, giup nang cao chat lupng dao tao tai to chuc bao hiem tien gui. - Doi mdi va hien dai hda edng tac quan ly dao tao thong qua viec ap dungfl 5 fl cong nghe de xac dinh nhu cau dao tao, quan ly du lieu, phan tich danh gia de xay dung ke hoach dao tao. fl fl d) Quan ly tai chinh, kiem soat va kiem toan npi bp r a fl - Thudng xuyen ra soat, hoan thien he thong kiem soat va kiem toan npi bp dam bao minh bach, chat che, tiet kiem. \ r r - Giai doan 2022 - 2025: De xuat phuong an hoan thien che dp tai chinh nham dam bao nguon tai chinh thuc hien nhiem vu tham gia hieu qua vao qua trinh tai co cau to chuc tham gia bao hiem tien gui yeu kem, nhung uu tien dam> > fl bao nguon tai chinh phuc vu cong tac chi tra tien gui dupe bao hiem cho ngudi gui tien trong trudng hop phat sinh nghia vu tra tien bao hiem. -- 7 of 10 -- 8 ! d) Ung dung cong nghe thong tin va hop tac phat trien | - Tiep tuc day manh doi moi va ung dung cong nghe hien dai thong qua viec tang cudng tich hop cong nghe thong tin trong cac quy trinh quan tri va ? 9 \ r quan ly cua to chuc bao hiem tien gui tu Tru so chinh den cac chi nhanh, nhaijn X *> ’I bat kip vdi su phat trien cong nghe hien dai va su phat trien cua nganh ngan hang. Hoan thien co che quan tri he thong cong nghe thong tin, tang cudng baor | mat va an toan he thong. | - Chu trong cong tac nghien cuu ung dung, khuyen khich cac sang kienX A 9 7 I cai tien nham doi moi, nang cao hieu qua boat dong cua to chuc. Hop tac nghien cuu vdi cac trudng dai hoc, vien nghien cuu trong nude. j XX 7 \ X X I - Md rong hop tac qudc te vdi Hiep hoi bao hiem tien gui qudc te, hop tac song phuong, da phuong vdi to chuc bao hiem tien gui cac nude nham tang# X 9 X I cudng hieu qua doi ngoai trong lihh vuc bao hiem tien gui. I - Chu dong va trien khai cd hieu qua cac du an ho tro ky thuat va tai chinh9 trong khudn khd du an cua Ngan hang Nha nude Viet Nam. • X 7 t - Giai doan 2022 - 2025: Xay dung Be an phat trien cong nghe thong tin X 9 9 X phu hop vdi Chien luoc phat trien bao hiem tien gui. | I X A A A r A Dieii 2. Trach nhiem to chirc, thuc hien Chien liro’c phat trien bao A X hiem tien gui I 1. Ngan hang Nha nude Viet Nam | i Ngan hang Nha nude Viet Nam chu tri, phdi hop vdi cac bp, nganh, co quan cd lien quan: I a) Huong dan, kiem tra, giam sat danh gia tinh hinh trien khai thuc hien X 7 9X9 Chien luoc phat trien bao hiem tien gui; to chuc thuc hien danh gia so ket nam9 r 2025 va danh gia tong ket nam 2030 rut kinh nghiem viec thuc hien cac nhiem vu, giai phap va muc tieu Chien luoc phat trien bao hiem tien gui trong tung giai doan. ' Ib) Dinh ky hang nam, bao cao Thu tudng Chinh phu ket qua thuc hien cac nhiem vu, giai phap va muc tieu cua Chien luoc phat trien bao hiem tien gui trong tung giai doan. Trinh Thu tudng Chinh phu quyet dinh, phe duyet dieu X 9 9 x ! chinh muc tieu, noi dung cua Chien luoc phat trien bao hiem tien gui trong X X trudng hop can thiet. XX X 99 9 X * c) Be xuat Chinh phu trinh Qudc hoi sua ddi, bd sung Luat Bao hiem tien gui. I -- 8 of 10 -- ..L 9 9 > 2. Bao hiem tien gui Viet Nam ♦ 9 > a) Tap trung, chu dong to chuc trien khai dong bp cac nhiem vu, giai phap de thuc hien cac muc tieu, lo trinh da neu tai Chien lupc phat trien bao hiemr 9 tien gui phu hop vdi Chien lupc phat trien nganh Ngan hang va theo quy dinh cua phap luat. 9 9 b) Xay dung Chuang trinh hanh dong de trien khai thuc hien cac noi dung cua Chien lupc phat trien bao hiem tien gui theo tung giai doan nham dam bao datdupc cac muc tieu dinh hudng theo cac Ip trinh da dat ra tai Chien lupc phatv9 ' * 9 \ # trien bao hiem tien gui. r/ 7 f r c) Dinh ky hang nam bao cao Ngan hang Nha nude Viet Nam ket qua thuc hien cac nhiem vu, giai phap va muc tieu cua Chien lupc phat trien bao hiem tien’gui trong tuhg giai doan. d) Bao cao Ngan hang Nha nude Viet Nam ket qua so ket nam 2025 va4 f tong ket nam 2030 rut kinh nghiem viec thuc hien cac nhiem vu, giai phap va* 9 4 \ muc tieu Chien lupc phat trien bao hiem tien gui trong tung giai doan. d) Ra soat, de xuat Ngan hang Nha nude Viet Nam bao cao Chinh phur 9 9 9 \ trinh Quoc hpi sua ddi, bo sung Luat Bao hiem tien gui. y r f 9 y 9 e) Ra soat, de xuat va phdi hop vdi Co quan cd tham quyen sua doi quy dinh ve che dp tai chinh. g) Tham muu, de xuat Ngan hang Nha nude Viet Nam trinh Thu tudngr y r 9 Chinh phu quyet dinh dieu chinh muc tieu, npi dung cua Chien lupc phat trien bao hiem tien gui trong trudng hop can thiet. 3. Cac bp, nganh lien quan Cac bp, nganh lien quan phoi hop vdi Ngan hang Nha nude Viet Nam tao dieu kien cho viec trien khai Chien lupc phat trien bao hiem tien gui. 4. Uy ban nhan dan cac cap Uy ban nhan dan cac cap trong pham vi nhiem vu, quyen han cua minh, phoi hop vdi cac co quan quan ly nha nude tao dieu kien cho viec trien khai9 y hieu qua chinh sach bao hiem tien gui tai dia phuong. 4 9 > 5. Cac to chuc tham gia bao hiem tien gui 9 9 y 9 f 4 Cac to chuc tham gia bao hiem tien gui trien khai Chien lupc phat trien9 y bao hiem tien gui theo chi dao cua Ngan hang Nha nude Viet Nam. Dieu 3. Quyet dinh nay cd hieu luc thi hanh ke tu ngay ky ban hanh. -- 9 of 10 -- 10 nuiHtut,, I r1 ■ * ★ Ee7: a Nffinhan: - Ban Bi thu Trung uoiig Dang; ~ Thu tirong, cac Pho Thu twang Chinh phu; - Cac bo, co quan ngang bo, co’ quan thuoc Chinh phu; - HDND, UBND cac tinh, thanh pho true thuoc trung uong; - Van phong Trung uong va cac Ban cua Dang; - Van phong T6ng Bi thu; - Van phong Chu tich nude; - Van phong Qudc hoi; - Toa an nhan dan tdi cao; - Vien kiem sat nhan dan toi cao; - Kiem toan nha nude; - Uy ban Giam sat tai chinh Qudc gia; - Ngan hang Chinh sach xa hoi; - Bao hiem tien gu i Viet Nam; - VPCP: BTCN, cac PCN, Tro ly TTg, TGD Cong TTDT, cac Vu, Cue, don vi true thuoc, Cong bao; - Luu: VT, KTTH (2). M.Cutmg . I Bieu 4. Thong doc Ngan