ࡱ> q` NbjbjqPqP B::H&0+++8,,l-t0ya..":.:.:./23```````$'cheF`7//77`:.:.3a2>2>2>7:.:.`2>7`2>2>rhHh|I:. . p7&ɵ+0:H@`LIa0yaHeL=e|Ie|I#4%52>5q69#4#4#4``=X#4#4#4ya7777000+000+000  CHNH PH ______ S:10/2010/N-CPCNG HA X HI CH NGH(A VIT NAM c lp - T do - Hnh phc _____________________________________ H Ni, ngy 12 thng 02 nm 2010 NGH NH V hot ng thng tin tn dng ___________ CHNH PH Cn c Lut T chc Chnh ph ngy 25 thng 12 nm 2001; Cn c Lut Ngn hng Nh nc Vit Nam ngy 12 thng 12 nm 1997 v Lut sa i, b sung mt s iu ca Lut Ngn hng Nh nc Vit Nam ngy 17 thng 6 nm 2003; Cn c Lut Doanh nghip ngy 29 thng 11 nm 2005; Xt  ngh ca Thng c Ngn hng Nh nc Vit Nam, NGH NH: Chng I NHNG QUY NH CHUNG iu 1. Phm vi iu chnh 1. Ngh nh ny quy nh v hot ng thng tin tn dng; quyn v ngh)a v ca cc t chc, c nhn lin quan. 2. Hot ng thng tin tn dng ca Ngn hng Nh nc Vit Nam khng thuc phm vi iu chnh ca Ngh nh ny. iu 2. i tng p dng 1. Cng ty thng tin tn dng. 2. T chc cp tn dng. 3. Khch hng vay. 4. T chc v c nhn lin quan. iu 3. Gii thch t ng Trong Ngh nh ny, cc t ng di y c hiu nh sau: 1. Thng tin tn dng l cc d liu, s liu, d kin v tin tc lin quan ca khch hng vay ti t chc cp tn dng. 2. Khch hng vay l doanh nghip va v nh theo quy nh ca php lut, c nhn, h gia nh c quan h vay vn hoc c nhu cu vay vn, chit khu c k hn giy t c gi, thu ti chnh v cc hnh thc cp tn dng khc ti t chc tn dng hoc c quan h vi t chc khc trong giao dch thu ti sn, mua hng tr gp, tr chm v cc giao dch khc c iu kin v li sut, thi hn, tin thu v bin php bo m ngh)a v tr n. 3. T chc cp tn dng l t chc tn dng hot ng theo Lut cc T chc tn dng; t chc khc c cung cp dch v cho thu ti sn, mua hng tr gp, tr chm v cc dch v khc c iu kin v li sut, thi hn, tin thu v bin php bo m ngh)a v tr n. 4. Hot ng thng tin tn dng l vic thu thp, x l, lu gi thng tin tn dng v cung cp sn phm thng tin tn dng ca Cng ty thng tin tn dng. 5. Sn phm thng tin tn dng l cc bo co thng tin, n phm c Cng ty thng tin tn dng to ra trn c s thng tin tn dng thu thp c  cung cp cho cc t chc cp tn dng, cc t chc khc v c nhn. 6. Cng ty thng tin tn dng l doanh nghip c thnh lp theo quy nh ca Lut Doanh nghip v hot ng tun th cc quy nh ti Ngh nh ny; khi t tn doanh nghip, bt buc phi c cm t "thng tin tn dng". iu 4. Mc ch ca hot ng thng tin tn dng 1. Chia s thng tin gia cc t chc cp tn dng nhm ngn nga v hn ch ri ro trong hot ng tn dng, gp phn bo m an ton hot ng ngn hng. 2. H tr t chc cp tn dng m rng v pht trin hot ng tn dng. 3. H tr khch hng vay trong vic tip cn ngun vn tn dng ca cc t chc cp tn dng, gp phn thc y pht trin kinh t - x hi. iu 5. Nguyn tc hot ng thng tin tn dng 1. Tun th cht ch cc quy nh ca php lut. 2. m bo tnh trung thc, khch quan trong hot ng thng tin tn dng. 3. m bo quyn li v li ch ca cc t chc v c nhn trong vic cung cp thng tin tn dng, khai thc sn phm thng tin tn dng. iu 6. Cc hnh vi b cm trong hot ng thng tin tn dng 1. Thu thp, cung cp, s dng tri php cc thng tin thuc phm vi, danh mc b mt ca Nh nc. 2. C lm sai lch ni dung thng tin tn dng, nh hng n quyn v li ch hp php ca t chc, c nhn lin quan. 3. Trao i thng tin tn dng cho t chc, c nhn khc khng lin quan, sai i tng, bt hp php. 4. Li dng cc hot ng thng tin tn dng  t li c nhn, xm phm li ch ca Nh nc, quyn v li ch hp php ca t chc, c nhn. 5. Cn tr hot ng thu thp v khai thc thng tin tn dng hp php ca t chc, c nhn. 6. S dng sn phm thng tin tn dng cung cp cho cc i tng khng c quy nh ti iu 14 Ngh nh ny. Chng II CNG TY THNG TIN TN DNG iu 7. iu kin cp Giy chng nhn  iu kin hot ng thng tin tn dng 1. C  c s h tng v cng ngh thng tin, m bo yu cu hot ng. 2. C vn iu l ti thiu 30 t ng. 3. C i ngi qun l l nhng ngi c trnh  chuyn mn v ti chnh, ngn hng, cng ngh thng tin. 4. C phng n kinh doanh kh thi v khng c kinh doanh ngnh ngh no khc ngoi ni dung hot ng thng tin tn dng quy nh ti Ngh nh ny. 5. C ti thiu 20 Ngn hng Thng mi cam kt cung cp thng tin tn dng v cc ngn hng ny khng cam kt vi Cng ty thng tin tn dng khc. 6. C vn bn tho thun v quy trnh thu thp, x l, lu gi v cung cp thng tin tn dng gia Cng ty thng tin tn dng vi cc t chc cp tn dng  cam kt. iu 8. Th tc cp Giy chng nhn  iu kin hot ng thng tin tn dng 1. H s  ngh cp Giy chng nhn  iu kin hot ng thng tin tn dng gi Ngn hng Nh nc Vit Nam, bao gm: a) n  ngh cp Giy chng nhn  iu kin hot ng thng tin tn dng; b) Bn sao Giy chng nhn ng k kinh doanh; c) Ti liu chng minh cc iu kin quy nh ti iu 7 Ngh nh ny. 2. Thi hn cp Giy chng nhn  iu kin hot ng thng tin tn dng Trong thi hn 30 ngy lm vic, k t ngy nhn  h s hp l, Ngn hng Nh nc Vit Nam cp giy chng nhn  iu kin hot ng thng tin tn dng cho Cng ty thng tin tn dng. Trng hp khng cp Giy chng nhn  iu kin hot ng thng tin tn dng, Ngn hng Nh nc Vit Nam phi tr li bng vn bn cho Cng ty thng tin tn dng v nu r l do. iu 9. Thu hi Giy chng nhn  iu kin hot ng thng tin tn dng 1. Cng ty thng tin tn dng b thu hi Giy chng nhn  iu kin hot ng thng tin tn dng trong cc trng hp sau: a) Khng m bo duy tr cc iu kin quy nh ti iu 7 Ngh nh ny; b) Vi phm mt trong nhng hnh vi b cm quy nh ti iu 6 Ngh nh ny; c) Qu 24 thng k t ngy c cp Giy chng nhn  iu kin hot ng thng tin tn dng nhng khng thc hin hot ng thng tin tn dng. 2. Cng ty thng tin tn dng b thu hi tm thi 06 thng Giy chng nhn  iu kin hot ng thng tin tn dng nu vi phm ln u khon 1 iu ny. Khi b thu hi tm thi Giy chng nhn  iu kin hot ng thng tin tn dng, Cng ty thng tin tn dng phi ngng ngay hot ng thng tin tn dng v khc phc nhng vi phm. Ngn hng Nh nc Vit Nam khng c php gia hn thi hn thu hi giy chng nhn  iu kin hot ng thng tin tn dng. Trong thi hn thu hi tm thi, nu Cng ty thng tin tn dng khc phc c cc vi phm, Ngn hng Nh nc Vit Nam xem xt v cp li Giy chng nhn cho Cng ty thng tin tn dng. 3. Nu ht thi hn b thu hi tm thi, Cng ty thng tin tn dng cha khc phc xong vi phm quy nh ti im a khon 1 iu 9 ca Ngh nh ny th b thu hi v)nh vin Giy chng nhn  iu kin hot ng thng tin tn dng. Khi Ngn hng Nh nc Vit Nam thu hi v)nh vin Giy chng nhn  iu kin hot ng thng tin tn dng, Cng ty thng tin tn dng phi chm dt ngay hot ng thng tin tn dng v lm th tc gii th trong vng 06 thng, k t ngy Ngn hng Nh nc Vit Nam ra quyt nh. 4. Trng hp Cng ty thng tin tn dng b gii th, thng tin tn dng ang lu gi ti Cng ty thng tin tn dng cing c coi l ti sn v x l nh sau: a) Chuyn nhng cho Cng ty thng tin tn dng khc, nhng phi c s ng ca cc t chc cp tn dng  cung cp thng tin tn dng; b) Nu khng chuyn nhng, Cng ty thng tin tn dng c th chuyn giao cho Ngn hng Nh nc Vit Nam hoc t t chc tiu hu di s gim st ca Ngn hng Nh nc Vit Nam. iu 10. Quyn v ngh)a v ca Cng ty thng tin tn dng 1. Quyn ca Cng ty thng tin tn dng a) K kt hp ng vi cc t chc v c nhn v thu thp v cung cp thng tin tn dng theo quy nh ca php lut; b) Trao i thng tin tn dng vi cc Cng ty thng tin tn dng khc; c) c thu tin dch v cung cp cc sn phm thng tin tn dng; d) Cc quyn khc theo quy nh ca php lut. 2. Ngh)a v ca Cng ty thng tin tn dng a) m bo cc mc ch, nguyn tc, ni dung ca hot ng thng tin tn dng; b) m bo cc iu kin quy nh ti iu 7 Ngh nh ny trong sut qu trnh hot ng; c) Bo co hot ng thng tin tn dng theo yu cu ca Ngn hng Nh nc Vit Nam; d) Thc hin ng v y  hp ng dch v thng tin tn dng  k kt; ) Bo m quyn v li ch hp php ca t chc, c nhn trong tip cn thng tin tn dng; e) Khng vi phm nhng hnh vi b cm quy nh ti iu 6 Ngh nh ny; g) Thc hin cc ngh)a v khc theo quy nh ca php lut. Chng III HOT NG THNG TIN TN DNG iu 11. Thu thp thng tin tn dng 1. 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K t ngy Ngh nh ny c hiu lc thi hnh, t chc cp tn dng ch c php cung cp cho Cng ty thng tin tn dng nhng thng tin ti khon 1 iu ny khi  c s tha thun vi khch hng vay. Nhng thng tin tn dng cha c s tha thun vi khch hng vay pht sinh trc ngy Ngh nh ny c hiu lc thi hnh khng b rng buc bi quy nh ny. iu 12. X l thng tin tn dng 1. Qu trnh kim tra, phn loi, cp nht thng tin tn dng phi m bo khng lm sai lch tnh cht, ni dung thng tin tn dng thu thp. 2. Trn c s ngun thng tin tn dng thu thp v lu gi, Cng ty thng tin tn dng tin hnh phn tch, nh gi, tng hp thng tin  to lp cc sn phm thng tin tn dng. 3. Cng ty thng tin tn dng ch c php s dng thng tin tn dng ca khch hng vay ti a 05 nm gn nht  to lp sn phm thng tin tn dng. iu 13. Lu gi thng tin tn dng 1. Thng tin tn dng phi c lu gi an ton, bo mt, phng trnh c nhng s c, thm ho c th xy ra v ngn chn s xm nhp, truy cp bt hp php t bn ngoi. 2. Thng tin tn dng v khch hng vay c lu gi ti thiu trong 05 nm k t ngy Cng ty thng tin tn dng tip nhn c. iu 14. Cung cp sn phm thng tin tn dng Cng ty thng tin tn dng cung cp sn phm thng tin tn dng cho cc i tng sau: 1. T chc cp tn dng c cung cp thng tin cho Cng ty thng tin tn dng  xem xt cp tn dng cho khch hng vay, kim sot cc khon tn dng, thu hi n v mc ch khc c php lut cho php. 2. Khch hng vay  kim tra thng tin v bn thn ti kho d liu ca Cng ty thng tin tn dng hoc lm ti liu b sung cho vic xin cp tn dng. 3. Cng ty thng tin tn dng khc  phc v cc t chc, c nhn theo quy nh ca php lut. 4. C quan Nh nc c thm quyn theo quy nh ca php lut. Chng IV QUYN V NGH(A V CA T CHC, C NHN LIN QUAN N HOT NG CA CNG TY THNG TIN TN DNG iu 15. Quyn v ngh)a v ca t chc cp tn dng 1. Cung cp y , chnh xc, kp thi thng tin tn dng cho Cng ty thng tin tn dng theo hp ng k kt gia hai bn. 2. Thng bo cho khch hng vay bit v vic k kt hp ng vi Cng ty thng tin tn dng nhng ni dung thng tin cung cp. 3. Khai thc sn phm thng tin tn dng t Cng ty thng tin tn dng theo ng quy nh ti iu 14 Ngh nh ny. 4. Phi hp vi Cng ty thng tin tn dng pht hin, x l sai st thng tin tn dng  thu thp, lu gi v cung cp; gii quyt khiu ni v thng tin tn dng ca khch hng vay. 5. Thc hin cc quyn v ngh)a v khc theo quy nh ca php lut. iu 16. Quyn v ngh)a v ca khch hng vay 1. Khch hng vay c Cng ty thng tin tn dng cung cp min ph ti thiu 01 ln trong mt nm v thng tin tn dng ca bn thn nu c yu cu. 2. Khch hng vay c quyn yu cu Cng ty thng tin tn dng xem xt, iu chnh ni dung thng tin tn dng ca bn thn nu pht hin sai st. 3. Khch hng vay c quyn khiu ni khi pht hin thng tin tn dng ca mnh c sai st theo quy nh ti iu 19 Ngh nh ny nhng khng c li dng  khiu ni sai s tht gy tn hi cho t chc cp tn dng v Cng ty thng tin tn dng. 4. Trong qu trnh x l khiu ni, khch hng vay c ngh)a v cung cp y , trung thc thng tin tn dng cho t chc cp tn dng hoc Cng ty thng tin tn dng. Chng V QUN L NH NC V HOT NG THNG TIN TN DNG iu 17. Thm quyn qun l nh nc v hot ng thng tin tn dng Ngn hng Nh nc Vit Nam gip Chnh ph thng nht qun l nh nc v hot ng thng tin tn dng trong phm vi c nc. iu 18. Ni dung qun l nh nc v hot ng thng tin tn dng 1. Son tho, trnh c quan c thm quyn ban hnh hoc ban hnh theo thm quyn cc vn bn quy phm php lut v hot ng thng tin tn dng. 2. Cp, thu hi Giy chng nhn  iu kin hot ng thng tin tn dng ca Cng ty thng tin tn dng. 3. Thanh tra hot ng ca Cng ty thng tin tn dng. 4. nh hng cho cc Cng ty thng tin tn dng trong vic xy dng chin lc pht trin h thng thng tin tn dng ng b v hin i. Chng VI GII QUYT KHIU NI, X L VI PHM iu 19. Th tc khiu ni ca khch hng vay 1. Khi pht hin thng tin tn dng c sai st, khch hng vay gi khiu ni bng vn bn km cc ti liu lin quan n Cng ty thng tin tn dng  ngh chnh sa sai st. Nu t chc cp tn dng  c quyt nh cp hay khng cp tn dng trn c s thng tin tn dng c sai st bt li cho khch hng vay, khch hng vay c th yu cu Cng ty thng tin tn dng thng bo sai st  vi bn nhn thng tin tn dng. T chc cp tn dng khi nhn c thng bo nh chnh sai st ca Cng ty thng tin tn dng phi xem xt li quyt nh ban u v thng bo li quyt nh mi cho khch hng vay bit. 2. Khi nhn c khiu ni ca khch hng vay theo khon 1 iu ny, Cng ty thng tin tn dng phi kim tra trn h thng ca mnh v tr li khiu ni trong vng 05 ngy lm vic, k t ngy nhn c khiu ni. Nu sai st pht sinh do qu trnh x l thng tin ca Cng ty thng tin tn dng th Cng ty thng tin tn dng phi thc hin ngay yu cu nh chnh ca khch hng vay. Tr li khiu ni ca Cng ty thng tin tn dng c th c gi qua ng bu in hoc thng qua cc phng tin in t. 3. Nu Cng ty thng tin tn dng xc nh sai st trong thng tin tn dng pht sinh t thng tin thu thp ti t chc cp tn dng, Cng ty thng tin tn dng phi tr li khiu ni bng cch nu r ngun pht sinh sai st trong thi hn nu ti khon 2 iu ny v ch ng phi hp vi t chc cp tn dng iu chnh sai st trong vng 10 ngy lm vic. 4. Trong vng 15 ngy lm vic, k t ngy nhn c tr li ca Cng ty thng tin tn dng, nu khng tha mn vi ni dung tr li khiu ni, khch hng vay c quyn  ngh Cng ty thng tin tn dng t chc ha gii. Trong vng 20 ngy lm vic, k t ngy nhn c yu cu ha gii ca khch hng vay, Cng ty thng tin tn dng phi t chc ha gii v nhng ni dung khiu ni ca khch hng vay, thnh phn tham d gm: Cng ty thng tin tn dng, khch hng vay v t chc cp tn dng lin quan. 5. Nu khng tha mn vi kt qu ha gii gia cc bn hoc sau 20 ngy k t ngy ht thi hn tr li quy nh ti khon 2 hoc khon 3 iu ny m khng nhn c tr li, khch hng vay c th tin hnh cc th tc khi kin ra trng ti hoc ta n theo quy nh ca php lut. iu 20. X l vi phm v hot ng thng tin tn dng 1. Ngi c hnh vi vi phm php lut trong l)nh vc thng tin tn dng th tu theo tnh cht, mc  vi phm m b x l k lut, x pht hnh chnh hoc b truy cu trch nhim hnh s, nu gy thit hi th phi bi thng theo quy nh ca php lut. 2. C quan, t chc c hnh vi vi phm php lut trong l)nh vc thng tin tn dng th tu theo tnh cht, mc  vi phm m b x pht hnh chnh, nh ch hot ng, nu gy thit hi th phi bi thng theo quy nh ca php lut v Ngh nh ny. Chng VII IU KHON THI HNH iu 21. Hiu lc thi hnh Ngh nh ny c hiu lc thi hnh k t ngy 15 thng 4 nm 2010. iu 22. Trch nhim thi hnh 1. Thng c Ngn hng Nh nc Vit Nam c trch nhim hng dn thi hnh Ngh nh ny. 2. Cc B trng, Th trng c quan ngang B, Th trng c quan thuc Chnh ph, Ch tch y ban nhn dn tnh, thnh ph trc thuc Trung ng chu trch nhim thi hnh Ngh nh ny. 3. Trong vng 12 thng k t ngy Ngh nh ny c hiu lc thi hnh, cc doanh nghip c ngnh ngh kinh doanh dch v thng tin tn dng ang hot ng phi tin hnh hon thin cc iu kin hot ng theo quy nh ti iu 7 Ngh nh ny. Qu thi hn trn, nu doanh nghip khng bo m cc iu kin hot ng v cha c Ngn hng Nh nc Vit Nam cp Giy chng nhn  iu kin hot ng thng tin tn dng th doanh nghip phi chm dt hot ng thng tin tn dng v chuyn i ngnh ngh kinh doanh ph hp./. Ni nhn: - Ban B th Trung ng ng; - Th tng, cc Ph Th tng Chnh ph; - Cc B, c quan ngang B, c quan thuc CP; - VP BC TW v phng, chng tham nhing; - HND, UBND cc tnh, TP trc thuc TW; - Vn phng TW v cc Ban ca ng; - Vn phng Ch tch nc; - Hi ng Dn tc v cc UB ca Quc hi; - Vn phng Quc hi; - Ta n nhn dn ti cao; - Vin Kim st nhn dn ti cao; - Kim ton Nh nc; - UB Gim st ti chnh QG; - Ngn hng Chnh sch X hi; - Ngn hng Pht trin Vit Nam; - y ban TW Mt trn T quc Vit Nam; - C quan Trung ng ca cc on th; - VPCP: BTCN, cc PCN, Cng TTT, cc V, Cc, n v trc thuc, Cng bo; - Lu: Vn th, KTTH. MCngTM. 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