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:VOl NGAN HANG

- Nang cao kha nang nh$nthUc

ve cacvan de c6 lienquanve BHTG

va cac quyen 19i chung cua cac

thanhvien;

- Ban hanhqui d!nhve nangcao

hi$uqua cuahOSltd(mgBHTG;

- Thuc day trao doi thong tin va

ky nang ve BHTGqua chUongtrinh

dao tSlOva phattri~n;

- Tri~n khai cac nghien cUu ve

cac van de c6 lien quan toi BHTG

(IADI,2002).

Chotoi nay,0 nhieunUOctrenthe

giOivi$ctri~n khai hOSltd(mgBHTG,

nh$nthUcve vai tro va vi tri cua hOSlt

d(mg nay van con moi va c6 nhieu

quan di~m khac nhau. Hi$ph9i Bao

hi~m tien gUi Quoc te cOngmoi ra

dai dU9c hai nam. Cac thanh vien

tham gia Hi$p h9i cOng it hon rat

nhieuso voi so IU9ngcacthanhvien

tham gia cac to chUctai chinh quoc

te nhu Quy tien t$ quoc te, Ngan

hang Phattri~n chauA... HOSltd9ng

nghi$pVl,lva cac yeu to quyet dinh

thanh cong cua hOSltd9ng BHTG

dangdU9cnghiencUuva chuanhoa.

So 1U'9ngcac nU'Dctri~n khai hOSlt

d9ng nay 0 chauAcon it.

Trong boi canh nhu v$y, ket qua

cua hOSltd9ngBHTG0 nUDcta trong

thai gian qua danh dau thanh cong

to Ian cua Vi$t Namtrong xay dl,J'ng

mo hinh to chUccua to chUc Bao

hi~mtien gLtiVi$t Nam,xac dinhva

v$n hanh c6 hi$u qua cac yeu to

quan tr9ng cua hOSltd9ng nay nhU

doi tU9ngma hOSltd9ngnaycanbao

v$, 10Sliten gui dU9Cbao hi~m, phi

BHTG, hSlnmUc chi tra, nghi$p Vl,l

tri~n khai... £)~ c6 th~ phat huy

thanh qua bU'ocdau nay, sl,J'phat

tri~n 0 mUccao hon va di vao chieu

sau can dU'9cto chUcBao hi~mtien

guiVi$t Namquantamtri~nkhai kip

thai. Phattri~nva nangcaohi$uqua

cua cong tac giam sat, pho c$p

thong tin ve hOSltd9ng BHTG, dieu

chlnh hSlnmUcchi tra, c6 giai phap

ki~m soat rui ro dSlOdUc phat sinh

cungvDihOSltd9ngBHTG,tri~n khai

hOSltd9ng he tr9 to chUctham gia

BHTG,nangcaohi$uqua hOSltd9ng

ki~m tra, hoan thien hon nG'aco SO

phap Iy tri~n kh~i cac nghi$p vl,l

BHTG, nghien cUu d~ c6 th~ ap

dl,lngphi BHTGtheo mUcd9 rui ro

trong thai gian thich h9p... la nhG'ng

van de can dU'9Csl,J'quantam va c6

ke hOSlChtri~n khai cua Bao hi~m

tien gUiVi$t Nam.Tri~nkhai kip thai

va c6 hi$u qua cac van de d6, Bao

hi~mtien gUiVi$t NamkhongnhG'ng

se co dU'9cV!tri nhatd!nhtrong khu

Vl,J'cma con co L1Uthe trong tiep thu

dU'9Ckien thUc va he tr9 nang cao

nang Il,J'CtUcac thanhvien tham gia

Hi$p h9i Bao hi~mtien gUiQuoc te

va cacto chUcquoc te khac..

Tei Ii~u thorn khao

Ngo Viet Phuong va Ths. Le Van Hinh

(2002). Lai suat thoo thuQn - NhCing

thach thuc trfm can duong chuven doi

co chEflaisuataVi~tNom.TopchiNgan

hang. s6 8/2002.

ToKimN99c (2003).Cae gioi ph6p

nham tang cuong hi~u II/ccua chfnh

sach tifm t~ Vi~tNomthOngquo co chEf

dieu chlnh bang lai suat.Luanan tien sl

kinhte.

Asian Development Outlook (1998,

1999.2000,2001.2002).

Beattie A. V. and et al (1995), Bonks

and Bod Debts, England

Cull R. (1998), The Effect of Deposit

Insurance on FinancialDepth: A Cross￾CountryAnalvsis.

Cull R. Senbet L.W. et. al. (2001),

Deposit Insurance and Financial

Development, April.

HallM.J. B.(1998),FinnancialReform

in Japan: Causes and Consequenses,

Cheltenham: Edward Elgar Publishing

Limited.

HoshiT.and Kashyap A. (1999), The

Japanese Bonking Crisis:Where did it come from and how will it end?

Graduate School of International

Relations and Pacific Studies, University

of California, San Diego va Graduate

School of Business,Universityof Chicago

Federal Reserve Bank of Chicago, NBER.

International Association of Deposit

Insurers(lADI)(2002),Statutes.

Mankiw G. N. (1992),

Marcroeconomics, Harvard University,

Worth Publishers, 33 Irving Place, New

York.

United Nations Development

Programme (2001), Basic Facts about

Vietnam.

Wood C. (1992), The bubble econo￾my, the Japanese economic collapse,

Charles ETuttleCompany, Tokyo,Japan.

DIH~NeHETliu eve TRONGDANGKYGIAOD~H BAODAM

d6ivmquyensird~ngdat,tili sanganlienvmdat

TO'QUYD!NH

Theo quy dinh tSli ml,lc III, Thong

tu lien t!ch so: 03/2003/TTLT-BTP￾BTNMT, huang dan ve trinh tl,J',thu

tI:JCdang ky va cung cap thong tin ve

the chap, bao lanh bang quyen su

dl,lng dat, tai san gan lien voi dat thi

trinh tl,J',thu tl,lC dang ky the chap,

bao lanh bang quyen su dat, tai san

gan lien voi dat dU9c quy dinh nhu

Trin Lny~n *

sau:

1. Truoc khi yeu cau dang ky the

chap, bao lanh bang quyen su dl,lng

dat, tai san gan lien voi dat, h9P

dong the chap, bao lanh bang quyen

su dl,lng dat tai san gan lien voi dat

dU9C cong chU'ng, neu cac belJ c6

thoa thu$n ho~c phap lu$t c6 q"lY

dinh h9P dong the chap, bao lanh

bang quyen su dl,lng dat, tai sangan

lien voi dat d6 phai cong chUng.

2. Ho SOdang ky the chap, bao

lanh n9P tSli COquan dang ky the

chap, bao lanh thee quy dinh:

- Truang h9P dang ky the chap,

bao lanh bang quyen su dl,lng dat

. Ngan hang Nha nuoc Chi nhonh

tinh Quang Ngai

56 T,w em NcANMNC-s6 6 NAM2004