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V?n????????????????????????6?,????????????,????????????,????????????,???????????2? 4? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ?????/? ???????? ? ????/?  ???????? ? ????/?  ???????? ? ????/?  ???????? ? ????/? ???????? ? ????/? ???????? ? ????/? ???????? ? ????/? ????????p?n???????????????????????T??!` ??nVAWN1... x>?>?7'?????????zzzz??????4&T??Lzzzzz?"|?@?M?? *?zzzzzzzzzz zzzz?C / ??zz??z????? ??????????????????????? NG?N H?NG NH? N??C VI?T NAM -------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?: 25/2018/TT-NHNNH? N?i, ng?y 24 th?ng 10 nm 2018?TH?NG T?S?A ?I, B? SUNG M?T S? I?U C?A TH?NG T? S? 10/2015/TT-NHNN NG?Y 22 TH?NG 7 NM 2015 C?A TH?NG ?C NG?N H?NG NH? N??C VI?T NAM H??NG D?N TH?C HI?N M?T S? N?I DUNG C?A NGH? ?NH S? 55/2015/N-CP NG?Y 09 TH?NG 6 NM 2015 C?A CH?NH PH? V? CH?NH S?CH T?N D?NG PH?C V? PH?T TRI?N N?NG NGHI?P, N?NG TH?NCn c? Lu?t Ng?n h?ng Nh? n??c Vi?t Nam ng?y 16 th?ng 6 nm 2010;Cn c? Lu?t c?c t? ch?c t?n d?ng ng?y 16 th?ng 6 nm 2010 v? Lu?t s?a ?i, b? sung m?t s? i?u c?a Lu?t c?c t? ch?c t?n d?ng ng?y 20 th?ng 11 nm 2017;Cn c? Ngh? ?nh s? 55/2015/N-CP ng?y 09 th?ng 6 nm 2015 c?a Ch?nh ph? v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n;Cn c? Ngh? ?nh s? 116/2018/N-CP ng?y 07 th?ng 9 nm 2018 c?a Ch?nh ph? s?a ?i, b? sung m?t s? i?u c?a Ngh? ?nh s? 55/2015/N-CP ng?y 09 th?ng 6 nm 2015 c?a Ch?nh ph? v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n;Cn c? Ngh? ?nh s? 16/2017/N-CP ng?y 17 th?ng 02 nm 2017 c?a Ch?nh ph? quy ?nh ch?c nng, nhi?m v?, quy?n h?n v? c? c?u t? ch?c c?a Ng?n h?ng Nh? n??c Vi?t Nam;Theo ? ngh? c?a V? tr??ng V? T?n d?ng c?c ng?nh kinh t?;Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam ban h?nh Th?ng t? s?a ?i, b? sung m?t s? i?u c?a Th?ng t? s? 10/2015/TT-NHNN ng?y 22 th?ng 7 nm 2015 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam h??ng d?n th?c hi?n m?t s? n?i dung c?a Ngh? ?nh s? 55/2015/N-CP ng?y 09 th?ng 6 nm 2015 c?a Ch?nh ph? v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n.i?u 1. S?a ?i, b? sung m?t s? i?u c?a Th?ng t? s? 10/2015/TT-NHNN ng?y 22 th?ng 7 nm 2015 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam h??ng d?n th?c hi?n m?t s? n?i dung c?a Ngh? ?nh s? 55/2015/N-CP ng?y 09 th?ng 6 nm 2015 c?a Ch?nh ph? v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n (sau ?y g?i l? Th?ng t? s? 10/2015/TT-NHNN)1. i?u 1 ??c s?a ?i, b? sung nh? sau: i?u 1. Ph?m vi i?u ch?nhTh?ng t? n?y quy ?nh v? ch?nh s?ch h? tr? ngu?n v?n cho vay; vi?c c? c?u l?i th?i h?n tr? n?, cho vay m?i; h? s?, tr?nh t?, th? t?c ? ngh? khoanh n?; ?n h?n n?; t? l? kh?u tr? t?i a ?i v?i t?i s?n b?o ?m c?a kho?n cho vay ph?t tri?n n?ng nghi?p, n?ng th?n theo Ngh? ?nh s? 55/2015/N-CP ng?y 09 th?ng 6 nm 2015 c?a Ch?nh ph? v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n (sau ?y g?i l? Ngh? ?nh s? 55/2015/N-CP) v? Ngh? ?nh s? 116/2018/N-CP ng?y 07 th?ng 9 nm 2018 c?a Ch?nh ph? s?a ?i, b? sung m?t s? i?u c?a Ngh? ?nh s? 55/2015/N-CP (sau ?y g?i l? Ngh? ?nh s? 116/2018/N-CP). .2. Kho?n 2 i?u 2 ??c s?a ?i, b? sung nh? sau: 2. Kh?ch h?ng vay v?n theo quy ?nh t?i kho?n 2 v? kho?n 3 i?u 2 Ngh? ?nh s? 55/2015/N-CP (? ??c s?a ?i, b? sung b?i kho?n 1 i?u 1 Ngh? ?nh s? 116/2018/N-CP). .3. Kho?n 1 i?u 4 ??c s?a ?i, b? sung nh? sau: 1. Kh?ch h?ng quy ?nh t?i kho?n 1 i?u 12, kho?n 3 i?u 14 v? kho?n 3 i?u 15 Ngh? ?nh s? 55/2015/N-CP kh? khn trong vi?c tr? n? vay do nguy?n nh?n kh?ch quan, b?t kh? kh?ng ??c t? ch?c t?n d?ng xem x?t:a) C? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n? tr?n c? s? ? ngh? c?a kh?ch h?ng v? ?nh gi? c?a t? ch?c t?n d?ng v? kh? nng tr? n? c?a kh?ch h?ng; th?i gian c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n? ph? h?p v?i chu k? ho?t ?ng s?n xu?t kinh doanh c?a kh?ch h?ng nh?ng t?ng th?i gian c? c?u l?i th?i h?n tr? n? t?i a kh?ng v??t qu? th?i h?n cho vay v?n ban ?u theo h?p ?ng t?n d?ng ? k?;b) Sau th?i gian c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?, kh?ch h?ng kh?ng tr? ??c n? vay ?ng h?n v? kh?ng ??c c? c?u l?i th?i h?n tr? n?, gi? nguy?n nh?m n? th? t? ch?c t?n d?ng th?c hi?n ph?n lo?i n? ?i v?i kh?ch h?ng theo quy ?nh hi?n h?nh c?a Ng?n h?ng Nh? n??c v? ph?n lo?i t?i s?n c?, m?c tr?ch, ph??ng ph?p tr?ch l?p d? ph?ng r?i ro v? vi?c s? d?ng d? ph?ng ? x? l? r?i ro trong ho?t ?ng c?a t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i;c) Cho vay m?i ? ph?c h?i s?n xu?t kinh doanh ?i v?i kh?ch h?ng c? d? ?n, ph??ng ?n s?n xu?t kinh doanh kh? thi. .4. B? sung i?u 4a nh? sau: i?u 4a. ?n h?n n??i v?i kh?ch h?ng vay ? tr?ng, chm s?c, t?i canh c?y l?u nm, t? ch?c t?n d?ng v? kh?ch h?ng th?a thu?n th?i gian ?n h?n n? g?c v? l?i ph? h?p v?i giai o?n ki?n thi?t c?a c?y tr?ng l?u nm. Th?i gian ?n h?n l? kho?ng th?i gian t?nh t? khi t? ch?c t?n d?ng b?t ?u gi?i ng?n v?n vay ?n khi kh?ch h?ng b?t ?u tr? n? g?c v? l?i ??c th?a thu?n trong h?p ?ng t?n d?ng. .5. i?u 5 ??c s?a ?i, b? sung nh? sau: i?u 5. H? s?, tr?nh t?, th? t?c ? ngh? khoanh n?H? s?, tr?nh t?, th? t?c ? ngh? khoanh n? th?c hi?n theo quy ?nh t?i kho?n 3 i?u 12 Ngh? ?nh s? 55/2015/N-CP (? ??c b? sung b?i kho?n 6 i?u 1 Ngh? ?nh s? 116/2018/N-CP). .6. S?a ?i kho?n 2, kho?n 3, kho?n 4, kho?n 5 v? b? sung kho?n 6 v?o i?u 7 nh? sau: 2. Ban h?nh h??ng d?n ? tri?n khai th?ng nh?t trong h? th?ng t? ch?c t?n d?ng v?:- Cho vay li?n k?t trong s?n xu?t n?ng nghi?p ph? h?p v?i quy ?nh t?i kho?n 4 i?u 14 Ngh? ?nh s? 55/2015/N-CP (? ??c b? sung b?i kho?n 7 i?u 1 Ngh? ?nh s? 116/2018/N-CP);- H? s?, tr?nh t?, th? t?c ? ngh? khoanh n? ph? h?p v?i quy ?nh t?i kho?n 3 i?u 12 Ngh? ?nh s? 55/2015/N-CP (? ??c b? sung b?i kho?n 6 i?u 1 Ngh? ?nh s? 116/2018/N-CP). T? ch?c t?n d?ng ch?u tr?ch nhi?m v? t?nh ch?nh x?c, h?p ph?p, h?p l? c?a h? s?, s? li?u, ?i t??ng kh?ch h?ng ? ngh? khoanh n?.3. Ch? ?ng ph?i h?p v?i ch?nh quy?n ?a ph??ng c?c c?p, c?c t? ch?c ch?nh tr?-x? h?i trong vi?c th?ng tin, tuy?n truy?n v? ch?nh s?ch t?n d?ng ph?c v? ph?t tri?n n?ng nghi?p, n?ng th?n theo quy ?nh t?i Ngh? ?nh s? 55/2015/N-CP, Ngh? ?nh s? 116/2018/N-CP v? Th?ng t? n?y.4. X?c ?nh v? ghi r? m?c ?ch cho vay ph?t tri?n n?ng nghi?p n?ng th?n t?i h?p ?ng t?n d?ng, theo d?i ri?ng h? s? cho vay ?i v?i l)nh v?c n?ng nghi?p, n?ng th?n.5. B?o c?o Ng?n h?ng Nh? n??c d? n? t?n d?ng ?i v?i l)nh v?c n?ng nghi?p, n?ng th?n theo quy ?nh v? ch? ? b?o c?o th?ng k? ?p d?ng ?i v?i c?c t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i; ?nh k? h?ng qu? (tr??c ng?y 15 th?ng ?u ti?n c?a qu? ti?p theo) b?o c?o t?nh h?nh c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n? ?i v?i l)nh v?c n?ng nghi?p, n?ng th?n theo m?u bi?u ?nh k?m Th?ng t? n?y.6. Th?c hi?n ki?m tra, gi?m s?t trong h? th?ng v? c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n? ? ?m b?o ph?n ?nh ?ng t?nh tr?ng c?a c?c kho?n n?. .7. i?m a kho?n 1 i?u 8 v? i?m b kho?n 4 i?u 8 ??c s?a ?i, b? sung nh? sau: a) Tham m?u cho Th?ng ?c Ng?n h?ng Nh? n??c trong vi?c ph?i h?p v?i B? T?i ch?nh xem x?t x? l? ? ngh? khoanh n? do nguy?n nh?n kh?ch quan, b?t kh? kh?ng v? thi?n tai, d?ch b?nh tr?n ph?m vi r?ng theo quy ?nh t?i kho?n 2, kho?n 3, kho?n 4 i?u 12 Ngh? ?nh s? 55/2015/N-CP (? ??c s?a ?i, b? sung b?i kho?n 6 i?u 1 Ngh? ?nh s? 116/2018/N-CP); . b) Ch? tr?, ph?i h?p v?i S? T?i ch?nh ki?m tra, x?c nh?n, r? so?t, t?ng h?p h? s?, s? li?u, ?i t??ng kh?ch h?ng ? ngh? khoanh n? c?a t? ch?c t?n d?ng ? tham m?u ?y ban nh?n d?n c?p t?nh b?o c?o Th? t??ng Ch?nh ph?, Ng?n h?ng Nh? n??c v? B? T?i ch?nh theo quy ?nh t?i kho?n 3 i?u 12 Ngh? ?nh s? 55/2015/N-CP (? ??c b? sung b?i kho?n 6 i?u 1 Ngh? ?nh s? 116/2018/N-CP); .i?u 2. B?i b? i?m d kho?n 4 i?u 8 v? M?u bi?u 01, 02, 03, 04, 05, 06 ban h?nh k?m theo Th?ng t? s? 10/2015/TT-NHNN.i?u 3. Quy ?nh chuy?n ti?p?i v?i c?c h?p ?ng t?n d?ng ??c k? k?t tr??c ng?y Th?ng t? n?y c? hi?u l?c thi h?nh, t? ch?c t?n d?ng v? kh?ch h?ng ti?p t?c th?c hi?n c?c n?i dung trong h?p ?ng t?n d?ng ? k? k?t ph? h?p v?i quy ?nh c?a ph?p lu?t c? hi?u l?c t?i th?i i?m k? k?t h?p ?ng ? ho?c s?a ?i, b? sung h?p ?ng t?n d?ng ph? h?p v?i quy ?nh t?i Th?ng t? n?y.i?u 4. Tr?ch nhi?m t? ch?c th?c hi?nCh?nh Vn ph?ng, V? tr??ng V? T?n d?ng c?c ng?nh kinh t?, Th? tr??ng c?c ?n v? thu?c Ng?n h?ng Nh? n??c, Gi?m ?c Ng?n h?ng Nh? n??c chi nh?nh t?nh, th?nh ph? tr?c thu?c Trung ??ng, Ch? t?ch H?i ?ng qu?n tr?, Ch? t?ch H?i ?ng th?nh vi?n, T?ng gi?m ?c (Gi?m ?c) c?c t? ch?c t?n d?ng, chi nh?nh ng?n h?ng n??c ngo?i ch?u tr?ch nhi?m t? ch?c th?c hi?n Th?ng t? n?y.i?u 5. Hi?u l?c thi h?nhTh?ng t? n?y c? hi?u l?c t? ng?y 10 th?ng 12 nm 2018./.? N?i nh?n: - Nh? i?u 4; - Th? t??ng, c?c Ph? Th? t??ng Ch?nh ph?; - Ban L?nh ?o NHNN; - Vn ph?ng Ch?nh ph?; - C?c B?: N?ng nghi?p v? Ph?t tri?n n?ng th?n; T?i ch?nh; K? ho?ch v? ?u t? (? ph?i h?p th?c hi?n); - B? T? ph?p (? ki?m tra); - UBND c?c t?nh, th?nh ph? tr?c thu?c Trung ??ng (? ph?i h?p ch? ?o); - C?ng b?o; - L?u: VP, PC, V? TDCNKT(5).KT. TH?NG ?C PH? TH?NG ?C Nguy?n ?ng Ti?n?B?O C?O T?NH H?NH C? C?U L?I TH?I H?N TR? N? V? GI? NGUY?N NH?M N? ?I V?I L(NH V?C N?NG NGHI?P, N?NG TH?N(Ban h?nh k?m theo Th?ng t? s? 25/2018/TT-NHNN ng?y 24/10/2018 c?a Th?ng ?c Ng?n h?ng Nh? n??c Vi?t Nam)Qu? & & nm& & .(?n v? t?nh: Tri?u ?ng, kh?ch h?ng)STTKh?ch h?ngN? ng?n h?nN? ng?n h?nN? ng?n h?nN? trung, d?i h?nN? trung, d?i h?nN? trung, d?i h?nT?ng c?ngT?ng c?ngT?ng c?ngD? n? c? c?u l?i th?i h?n tr? n?D? n? c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?S? kh?ch h?ng ??c c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?D? n? c? c?u l?i th?i h?n tr? n?D? n? c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?S? kh?ch h?ng ??c c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?D? n? c? c?u l?i th?i h?n tr? n?D? n? c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?S? kh?ch h?ng ??c c? c?u l?i th?i h?n tr? n? v? gi? nguy?n nh?m n?(1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)1C? nh?n, h? gia ?nh, h? kinh doanh?????????2Ch? trang tr?i?????????3Doanh nghi?p?????????4H?p t?c x?, li?n hi?p h?p t?c x??????????5Kh?c?????????T?ng c?ngT?ng c?ng?????????H??ng d?n l?p b?o c?o:- C?t (3) + (6) = C?t (9); C?t (4) + (7) = C?t (10); C?t (5) + (8) = C?t (11);- D?ng T?ng c?ng = D?ng 1 + 2 + 3 + 4 + 5.6FH???     , 0 > D T Z \ l n p r x | ? ? 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