Bảo hiểm tiền gửi Việt Nam hướng tới chuẩn mực quốc tế trong quá trình thực thi nhiệm vụ bảo vệ người gửi tiền

} HOAT SONG NGAN HANG NAM 2015, OINH HllGNG NAM 2016

B

ao hiem tien gui la chinh

sdch ma chinh phu nhieu

nude dp dung de bao ve

ngudi giri tien vd gdp phdn dn

dinh he thdng tdi chmh - ngdn

hdng. Hoat ddng cua td chuc

bdo hiem tien gui Iudn song

hanh cung sy tdn tai cua cdc td

chuc tin dung, ddm bdo theo sat

vd gdp phan giii viing tiang thdi

boat ddng an todn cua he thdng,

xu ly em thdm cdc trudng hgp

dd vd, gdp phan giu viing niem

tin cua cdng chung vdo he thdng

tdi chinh - ngdn hang.

Thuc te, ngdy cdng cd libieu

qudc gia dp dyng co che bdo

hiem tien gui cdng khai, ddc biet

sau giai doan khung hodng tdi

chinh todn cdu. Theo thdng ke

cua Quy tien te qudc te (IMF),

tinh tdi cudi nam 2013, tiong

sd 189 qudc gia cd bdo hiem

tiin gui thi 112 nude (59%) cd

CO che bao hiem tien gui cdng

khai, tdng so vdi con sd 84 nude

(chiim 44%) vdo nam 2003.

Trong cugc khiing hodng tdi

chinh todn cdu 2008, cac td chuc

bdo hiem tien gui tien khdp the

gidi da dp dyng nhieu bien phap

ling phd bao gdm ndng ban muc

chi tid bdo hiem tidn gui, md

rdng pham vi bdo hiem tien gui,

nit ngdn thdi gian chd chi tid

bdo hiem tien giri, hd tig thanh

khodn, tham gia xu ly cdc td

chuc dd vo vd tdng cudng cdc

boat ddng cung cd long tin cdng

chung vdo he thong ngdn hdng.

Cac bien phdp da dugc thyc hien

kip thdi vd dong bd giup ngan

ngua dd vd he thdng tai nhieu

quoc gia, tieu bieu Id My, Lien

minh chdu Au, Nga, Ddi Loan,

Han Qudc...

RAU HIEM TIEN Uiil VIET NAM HlfliNE Tdi

CHUAN MUC nunc TE TRUNG UUA TRHH THUC THI^

NHllMVURAUVENGUlllGiilTliN

^TS. Ddo Quoc Tinh *

Hoat ddng cua to chdc bao hiem tien gdi gop phan giU iiing

trarng thai hoat dong an toan cua he thdng, xd /y do vi),

gop phan gid vdng niem tin cua cdng chung vao hi thdng tai chinh ngan Mnj

• Tdng Giam ddc Bao hiem I'Sn gfH Viet Nam

^ TAPCHINGANHANG I 503+4 I THANG2/2016

Trudc nhu cau cai td cua cac

td chuc thdnh vien sau khung

hodng tdi chinh toan cau, Hiep

hdi bdo hiem tien gdi qudc te

(lADI) phdi hgp vdi Uy ban

Basel ve gidm sat ngdn hdng

(BCBS) nghien cuu vd xay dyng

"Bg nguyin tdc co bdn phdt

triin he thdng bdo hiem tien giii

hieu qud" dugc ban hdnh ldn

ddu vdo thang 6/2009. Bd cdc

nguyen tdc dugc lADI ra sodt

chinh sua vd ban hdnh ldn 2 vao

thdng 11/2014. Tu nam 2009

tdi nay, Bd nguyen tac dd dugc

cac qudc gia coi la chuan myc

vd dp dyng linh boat tiong viec

xdy dyng mdi hoac cdi td cdc

he thdng bao hiem tien gui hien

hdnh, dugc Quy tiin te quoc ti

vd Ngdn hang the gidi tich hgp

vdo Chuang trinh ddnh gid khu

vyc tai chinh (FSAP) fliyc hien

tai nhieu qudc gia.

Bd cdc nguyen tdc co ban bao

gdm 16 nguyen tac mang tinh

djnh hudng cho cdc qudc gia

trong vide xdy dyng mdt he

thdng bdo hiem tien gui, kem

theo do Id cac tieu chudn chi

tiet hudng ddn thuc hien tung

nguyen tdc. Bg nguyen tac w

cap tdi cdc van de cdt loi cda

radt he thdng bao hiem hen

gui bao gdm: (1) myc heu

chinh sdch cdng; (2) nhiSci

vy vd quyen ban; (3) qudn trj;

(4) quan he vdi cdc co quan

trong mang an todn tdi chinh;

(5) cdc vdn di bdo hiim tien

gui xuyen quoc gia; (6) vai trfi

cua bdo hiem tiin gui trofii

viec hoach dinh vd qudn if

khung hodng; (7) co chi thanh

vien bdo hiim tiin gdi; (8) h^n

muc chi trd; (9) ngudn vd sft

dyng vdn quy; (10) nh^n thitc

cdng chung; (U) bdo ve phap

ly; (12) xu ly cdc ben gdy d^

vd ngdn bdng; (13) phdt bien