Thông tư 0616/TT (2022)

chric tin dqng) hoqt dQng tai ViQt Nam theo quy dinh cria LuAt C6c t6 chirc tin

dgng, kh6ng bao g6m ngAn hdng chinh s6ch.

2

. .2- T6 chric fth6ng bao g6m t6 chric tin d,ng), cri nhdn gui ti6n ++i t6 chric

tin dung (sau d6y goi ld kh6ch hang).

Di6u 3. Hinh thrirc tidn grii rrit trurfc h4n

1. TiAn gui ti.5t kiem c6 lc) han.

2. Ti0n gui c6 k! han.

. _3, chrms chi ti6n cui, lcy phiiiu, tin phi6u vi tr6i phiiiu do t6 chric tin d,ng

ph6t hdnh.

4. c6c hinh thric nhan ti6n gui c6 k! han kh6c theo quy d$h tai Lu6t c6c t6

chric tin dung.

Eidu 4. Rrit tru&c h3n tidn giri

1. Rft tru6c han tian gui ln truong hqp kh6ch hang rut m6t phan ho6c todn

b6 tian grii trudc ngdy d€n h4n, ngdy chi trd ho4c ngdy thanh to6n cia khoan tidn

Crii.

. . .2 T6.ghuc tin dung vd khrich hang th6a thu4n vi€c rut tru6c han tien gfi

lhi hT voi.cdc g,ly-dl"h cria Ng6.n hang Nh.a nu6c Vi6t Nam a6i vOi trmg trintr

thuc ti€n g*i cu.th6. Ldi suat rut tru6c han tidn gui duoc th6a thuan phn hJ_p voi

quy dinh tai Diau 5 Th6ng tu nay. rruong.hd kh6ng c6 th6a t]iu'en rut'tluoc

han ti6n gui, t6 chfc tin dung 6p dung lai J6t.i,, o"o"'na" rl, Jilrrii..e "or quy dinh tai Th6ng tu niy.

Di6u 5. Lni sudt rrit tru6c han tiiin grii

1. Truong hqpkh6ch.hang rut tru6c fun,toan b6 ti6n gui: t6 chric tin dung

ap dqSrS mirc lai su6t tOi da bing mric l6i su6t ti6n g,ti kh6; k, n*,*O;a;

Tia 1Q chuc tin dunC dO th99 aOltuqng Ura"f, f,a,rg-ralhoac lheo i;; ;d; ,t6.

de gui tAi thcri di6m kh6ch hang *t t oO" han ti6n gui.

2. Trudng hqp kh6ch hang rut tru6c han m6t phAn ti6n grii:

,. 12.?6i.r."i pnan 1ie1 gti rut rru6c han, t6 chr?c tin dung 6p dUng muc liisual ror cra bang muc ldi su6t ri€n gui kh6ng ky han th6p nh6t cta td chuc tin

lyle.d:.t.:.drii tuqng kh6ch han[ vd/hoaJtheo rtii a6ire ,ic" ii rrrr"rui',rroidi6m kh6ch hang rut tru6c han ti6n gui;

. b) Doi voi phan tidn gni cdn rai, t6 chirc tin dung rip dung mric ldi su6t dang

rlp dung aOi vcri khoan ti6n grii ma idr6ch hdng rut *".i.ie, ,iOr;hir. "*'"