??ࡱ?>?? ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ???lbjbj?A?A *?+?+s??????????????????????,??????????p),U?!######$? ??#:Gm??????G??????????????!??!??????????]?o????????0???#??#??#?? ????????GG??????????????????????????????????????????????????????????????????????????????#?????????? ?: B? T?I CH?NH --------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?: 10/2016/TT-BTCH? N?i, ng?y 19 th?ng 01 nm 2016?TH?NG T?H??NG D?N TH? CH?P T?I S?N ? B?O ?M CHO KHO?N VAY ??C CH?NH PH? B?O L?NHCn c? B? lu?t D?n s? s? 33/2005/QH11 ng?y 14 th?ng 6 nm 2005;Cn c? Lu?t Qu?n l? n? c?ng s? 29/2009/QH12 ng?y 17 th?ng 6 nm 2009;Cn c? Ngh? ?nh s? 163/2006/N-CP ng?y 29 th?ng 12 nm 2006 c?a Ch?nh ph? v? giao d?ch b?o ?m v? Ngh? ?nh s? 11/2012/N-CP ng?y 22 th?ng 02 nm 2012 v? s?a ?i, b? sung m?t s? i?u c?a Ngh? ?nh s? 163/2006/N-CP;Cn c? Ngh? ?nh s? 83/2010/N-CP ng?y 23 th?ng 7 nm 2010 c?a Ch?nh ph? v? ng k? giao d?ch b?o ?m;Cn c? Ngh? ?nh s? 15/2011/N-CP ng?y 16 th?ng 02 nm 2011 c?a Ch?nh ph? v? c?p v? qu?n l? b?o l?nh ch?nh ph?;Cn c? Ngh? ?nh s? 01/2011/N-CP ng?y 05 th?ng 01 nm 2011 c?a Ch?nh ph? v? ph?t h?nh tr?i phi?u Ch?nh ph?, tr?i phi?u ??c Ch?nh ph? b?o l?nh v? tr?i phi?u ch?nh quy?n ?a ph??ng;Cn c? Ngh? ?nh s? 215/2013/N-CP ng?y 23 th?ng 12 nm 2013 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 B? T?i ch?nh;Theo ? ngh? c?a C?c tr??ng C?c Qu?n l? n? v? T?i ch?nh ?i ngo?i;B? tr??ng B? T?i ch?nh ban h?nh Th?ng t? h??ng d?n th? ch?p t?i s?n ? b?o ?m cho kho?n vay ??c Ch?nh ph? b?o l?nh.Ch??ng IC?C QUY ?NH CHUNGi?u 1. Ph?m vi v? ?i t??ng ?p d?ng1. Th?ng t? n?y h??ng d?n vi?c ng k? giao d?ch b?o ?m; ch? ? b?o c?o v? tr?ch nhi?m c?a c?c b?n ?i v?i vi?c ng k? giao d?ch b?o ?m ?i v?i t?i s?n th? ch?p cho kho?n vay ??c Ch?nh ph? b?o l?nh.2. Th?ng t? n?y ?p d?ng ?i v?i b?n nh?n th? ch?p, b?n th? ch?p v? c? quan, t? ch?c, c? nh?n c? li?n quan ?n ng k? giao d?ch b?o ?m ?i v?i t?i s?n th? ch?p cho kho?n vay ??c Ch?nh ph? b?o l?nh.i?u 2. Gi?i th?ch t? ng?Trong Th?ng t? n?y, c?c t? ng? d??i ?y ??c hi?u nh? sau:1. B?n nh?n th? ch?p: l? B? T?i ch?nh.2. B?n th? ch?p: l? ch? ?u t? d? ?n, ng??i ??c b?o l?nh ho?c t? ch?c, c? nh?n kh?c d?ng t?i s?n thu?c s? h?u c?a m?nh ? b?o ?m vi?c th?c hi?n ngh)a v? c?a ng??i ??c b?o l?nh theo quy ?nh c?a ph?p lu?t v? h?p ?ng c? li?n quan.3. D? ?n: l? d? ?n vay v?n ??c Ch?nh ph? b?o l?nh.4. H?p ?ng th? ch?p t?i s?n ho?c H?p ?ng th? ch?p t?i s?n h?nh th?nh trong t??ng lai (sau ?y g?i t?t l? H?p ?ng th? ch?p t?i s?n) l? H?p ?ng ??c k? k?t gi?a B?n nh?n th? ch?p v? B?n th? ch?p ? b?o ?m ngh)a v? thanh to?n c?a ng??i ??c b?o l?nh ?i v?i B? T?i ch?nh theo ph? duy?t c?p b?o l?nh Ch?nh ph? c?a Th? t??ng Ch?nh ph?.5. T?i s?n th? ch?p cho kho?n vay ??c Ch?nh ph? b?o l?nh: l? t?i s?n h?nh th?nh t? kho?n vay ??c Ch?nh ph? b?o l?nh v? t?i s?n kh?c thu?c s? h?u c?a B?n th? ch?p, quy?n s? d?ng ?t c?a B?n th? ch?p ??c ng k? giao d?ch b?o ?m ? b?o ?m cho ngh)a v? tr? n? ?i v?i kho?n vay ??c Ch?nh ph? b?o l?nh c?a B?n th? ch?p theo quy ?nh c?a ph?p lu?t.6. C?ng ty ki?m to?n ?c l?p: l? c?ng ty ki?m to?n thu?c danh s?ch C?ng ty ki?m to?n ??c ch?p thu?n ki?m to?n cho ?n v? c? l?i ?ch c?ng ch?ng do B? T?i ch?nh c?ng b? h?ng nm theo quy ?nh c?a ph?p lu?t hi?n h?nh.7. C?c t? ng? kh?c ? ??c quy ?nh t?i Lu?t Qu?n l? n? c?ng, c?c vn b?n quy ph?m ph?p lu?t c? li?n quan ??c s? d?ng theo ?nh ngh)a ?.i?u 3. Nguy?n t?c chung v? t?i s?n th? ch?p1. Kh?ng ??c d?ng t?i s?n h?nh th?nh t? kho?n vay ??c Ch?nh ph? b?o l?nh ? b?o ?m th?c hi?n c?c ngh)a v? d?n s? kh?c.2. Danh m?c v? gi? tr? t?i s?n th? ch?p ??c C?ng ty ki?m to?n ?c l?p x?c nh?n h?ng nm.3. ?i v?i c?c t?i s?n h?nh th?nh t? ngu?n v?n ??c Ch?nh ph? b?o l?nh v? c?c ngu?n v?n kh?c, tr??ng h?p B?n th? ch?p c? nhu c?u th? ch?p m?t ph?n t?i s?n theo t? tr?ng v?n h?nh th?nh n?n t?i s?n ? cho b?n th? ba:a) Ch? ??c th? ch?p ph?n gi? tr? v??t qu? d? n? kho?n vay ??c Ch?nh ph? b?o l?nh, ?ng th?i v?n ?m b?o th?c hi?n ?y ? ngh)a v? tr? n? v? ph?i c? ? ki?n c?a B? T?i ch?nh tr??c khi th?c hi?n.b) C?c b?n th?c hi?n c?c nghi?p v? li?n quan ?n t?i s?n th? ch?p theo quy ?nh c?a ph?p lu?t.4. B?n th? ch?p ch? ??c thay th? t?i s?n ang th? ch?p b?ng t?i s?n kh?c c? gi? tr? t??ng ??ng n?u ??c B?n nh?n th? ch?p cho ph?p b?ng vn b?n.5. Vi?c chuy?n nh??ng, chuy?n giao t?i s?n th? ch?p g?n li?n v?i vi?c chuy?n nh??ng, chuy?n giao D? ?n ho?c b?n, trao ?i t?i s?n th? ch?p c?a B?n th? ch?p ph?i c? s? ?ng ? tr??c b?ng vn b?n c?a B? T?i ch?nh. Ng??i nh?n chuy?n nh??ng, ng??i nh?n chuy?n giao k? th?a to?n b? ngh)a v?, tr?ch nhi?m c?a B?n th? ch?p v? t?i s?n th? ch?p t??ng ?ng v?i ph?m vi chuy?n nh??ng v? c? tr?ch nhi?m th?c hi?n c?c th? t?c c? li?n quan t?i i?u ch?nh H?p ?ng th? ch?p t?i s?n, ng k? b? sung giao d?ch b?o ?m c?ng th?i i?m k? h?p ?ng chuy?n nh??ng ho?c chuy?n giao.i?u 4. Gi? tr? t?i s?n th? ch?p1. ?i v?i quy?n s? d?ng ?t: ??c x?c ?nh theo quy ?nh t?i b?ng khung gi? ?t do UBND t?nh, th?nh ph? n?i c? t?i s?n, ph? h?p v?i c?c quy ?nh ph?p lu?t hi?n h?nh c? li?n quan.2. ?i v?i c?c t?i s?n kh?c t? kho?n vay ??c Ch?nh ph? b?o l?nh v? t?i s?n kh?c thu?c s? h?u c?a B?n th? ch?p:3. ?i v?i t?i s?n ? h?nh th?nh: ??c x?c ?nh theo gi? tr? s? s?ch ph? h?p v?i quy ?nh c?a ph?p lu?t, do m?t c?ng ty ki?m to?n ?c l?p x?c nh?n.4. ?i v?i t?i s?n h?nh th?nh trong t??ng lai: b?ng gi? th?a thu?n trong c?c h?p ?ng th??ng m?i ? k? ??c t?i tr? t? kho?n vay ??c Ch?nh ph? b?o l?nh; khi quy?t to?n D? ?n b?ng chi ph? th?c t? ph?i tr? ? h?nh th?nh t?i s?n theo h?a ?n ch?ng t? li?n quan ??c ph? duy?t.i?u 5. H?y b? v? ch?m d?t th? ch?p t?i s?nVi?c h?y b? v? ch?m d?t H?p ?ng th? ch?p t?i s?n b?o ?m cho ngh)a v? thanh to?n c?a B?n th? ch?p th?c hi?n theo quy ?nh c?a ph?p lu?t hi?n h?nh.Ch??ng IIQUY ?NH C? TH?i?u 6. K? k?t H?p ?ng th? ch?p t?i s?n v? Ph? l?c H?p ?ng1. Vi?c th? ch?p t?i s?n cho kho?n vay ??c Ch?nh ph? b?o l?nh ??c th?c hi?n ?i v?i to?n b? t?i s?n h?nh th?nh t? kho?n vay ??c Ch?nh ph? b?o l?nh, th?ng qua vi?c k? k?t m?t ho?c nhi?u H?p ?ng th? ch?p t?i s?n v? Ph? l?c H?p ?ng gi?a B?n nh?n th? ch?p v? B?n th? ch?p theo t?nh ch?t c?a t?ng lo?i t?i s?n th? ch?p ? ?m b?o vi?c ng k? giao d?ch b?o ?m theo quy ?nh c?a ph?p lu?t v? tr??c khi B? T?i ch?nh ph?t h?nh Th? b?o l?nh.2. Ph? l?c H?p ?ng th? ch?p t?i s?n ??c k? k?t gi?a B?n nh?n th? ch?p v? B?n th? ch?p cn c? v?o x?c nh?n c?a c?ng ty ki?m to?n ?c l?p n?u c? t?i s?n ph?t sinh m?i ho?c thay th? trong nm, ??c ho?n th?nh tr??c ng?y 30/6 c?a nm li?n k? nm ph?t sinh.i?u 7. H?p ?ng th? ch?p t?i s?n v? Ph? l?c H?p ?ng1. ?i v?i vi?c th? ch?p t?i s?n ? h?nh th?nh: B?n nh?n th? ch?p v? B?n th? ch?p k? k?t H?p ?ng th? ch?p t?i s?n theo m?u t?i Ph? l?c 1 Th?ng t? n?y.2. ?i v?i vi?c th? ch?p t?i s?n h?nh th?nh trong t??ng lai:a) B?n nh?n th? ch?p v? B?n th? ch?p k? k?t H?p ?ng th? ch?p t?i s?n h?nh th?nh trong t??ng lai theo m?u t?i Ph? l?c 2 Th?ng t? n?y.b) B?n nh?n th? ch?p v? B?n th? ch?p k? Ph? l?c H?p ?ng th? ch?p t?i s?n h?nh th?nh trong t??ng lai theo m?u t?i Ph? l?c 3 Th?ng t? n?y.c) Trong tr??ng h?p B?n th? ch?p ??c c? quan c? th?m quy?n y?u c?u thay th? t?i s?n th? ch?p, B?n nh?n th? ch?p v? B?n th? ch?p k? k?t Ph? l?c H?p ?ng th? ch?p t?i s?n theo m?u t?i Ph? l?c 4 Th?ng t? n?y.i?u 8. ng k? giao d?ch b?o ?m1. H?p ?ng th? ch?p t?i s?n ph?i ??c B?n th? ch?p ng k? giao d?ch b?o ?m t?i Trung t?m ng k? giao d?ch, t?i s?n thu?c C?c ng k? qu?c gia giao d?ch b?o ?m (B? T? ph?p) ho?c t?i c? quan c? th?m quy?n theo quy ?nh c?a ph?p lu?t v? giao d?ch b?o ?m, tr? tr??ng h?p ph?p lu?t c? quy ?nh kh?c.2. ?i v?i t?i s?n ch?a c? quy ?nh ph?p lu?t v? ng k? giao d?ch b?o ?m, B?n th? ch?p b?o c?o B? T?i ch?nh ngay trong h? s? ? ngh? c?p b?o l?nh ? tr?nh Th? t??ng Ch?nh ph? vi?c ?p d?ng quy ?nh v? ng k? giao d?ch b?o ?m.3. B?n th? ch?p ch?u tr?ch nhi?m tr??c ph?p lu?t v? t?nh ch?nh x?c v? ?y ? c?a h? s? c? li?n quan ?n vi?c ng k? giao d?ch b?o ?m.4. B?n th? ch?p ch?u m?i chi ph? ph?t sinh trong qu? tr?nh ng k? giao d?ch b?o ?m.i?u 9. Th?i h?n ng k? giao d?ch b?o ?m1. ?i v?i vi?c th? ch?p t?i s?n ? h?nh th?nh:a) Trong v?ng 30 ng?y sau khi H?p ?ng th? ch?p t?i s?n ??c k? k?t v? c?ng ch?ng, ch?ng th?c theo quy ?nh c?a ph?p lu?t, B?n th? ch?p th?c hi?n vi?c ng k? giao d?ch b?o ?m.b) Trong v?ng 10 ng?y sau khi nh?n ??c Gi?y ch?ng nh?n ng k? giao d?ch b?o ?m do c? quan ng k? giao d?ch b?o ?m c?p ho?c ?n y?u c?u ng k? giao d?ch b?o ?m c? ch?ng nh?n c?a c? quan ng k?, B?n th? ch?p n?p l?i cho B?n nh?n th? ch?p.2. ?i v?i vi?c th? ch?p t?i s?n h?nh th?nh trong t??ng lai:a) Trong v?ng 30 ng?y sau khi H?p ?ng th? ch?p t?i s?n h?nh th?nh trong t??ng lai ??c k? k?t v? c?ng ch?ng, ch?ng th?c theo quy ?nh c?a ph?p lu?t, B?n th? ch?p th?c hi?n ng k? giao d?ch b?o ?m.b) Trong v?ng 10 ng?y sau khi nh?n ??c Gi?y ch?ng nh?n ng k? giao d?ch b?o ?m do c? quan ng k? giao d?ch b?o ?m c?p ho?c ?n y?u c?u ng k? giao d?ch b?o ?m c? ch?ng nh?n c?a c? quan ng k?, B?n th? ch?p n?p l?i cho B?n nh?n th? ch?p.c) Ph? l?c H?p ?ng th? ch?p t?i s?n trong nm c? ph?t sinh m?i ??c k? k?t v? c?ng ch?ng, ch?ng th?c theo quy ?nh c?a ph?p lu?t, cn c? v?o x?c nh?n c?a c?ng ty ki?m to?n ?c l?p v? ho?n th?nh tr??c ng?y 30/6 c?a nm li?n k? nm ph?t sinh.d) B?n th? ch?p th?c hi?n vi?c k? k?t Ph? l?c H?p ?ng th? ch?p t?i s?n v? ng k? thay ?i n?i dung giao d?ch b?o ?m n?u c? sai kh?c so v?i th?i i?m ng k? giao d?ch b?o ?m ?i v?i t?i s?n h?nh th?nh trong t??ng lai trong v?ng 30 ng?y sau khi ho?n th?nh quy?t to?n D? ?n.) Trong v?ng 10 ng?y sau khi nh?n ??c Gi?y ch?ng nh?n ng k? giao d?ch b?o ?m s?a ?i do c? quan ng k? giao d?ch b?o ?m c?p ho?c ?n y?u c?u ng k? giao d?ch b?o ?m c? ch?ng nh?n c?a c? quan ng k?, B?n th? ch?p n?p l?i cho B?n nh?n th? ch?p.3. B?n th? ch?p n?p cho B?n nh?n th? ch?p c?c h? s? g?c kh?c c? li?n quan ?n t?i s?n th? ch?p theo quy ?nh c?a ph?p lu?t v? giao d?ch b?o ?m c?ng v?i ?n y?u c?u ng k? giao d?ch b?o ?m c? ch?ng nh?n c?a c? quan ng k?.i?u 10. Qu?n l? h? s? t?i s?n th? ch?p1. B?n nh?n th? ch?p l?u gi? c?c h? s? g?c li?n quan t?i t?i s?n th? ch?p v? ng k? t?i s?n th? ch?p. Tr??ng h?p t?i s?n ??c s? d?ng ? th? ch?p cho nhi?u b?n, c?c b?n nh?n th? ch?p s? th?a thu?n b?n l?u gi? h? s? g?c ho?c giao cho m?t t? ch?c ?c l?p l?u gi?.2. T?i s?n th? ch?p ??c B?n nh?n th? ch?p theo d?i tr?n c? s? Gi?y ch?ng nh?n ng k? giao d?ch b?o ?m do c? quan ng k? giao d?ch b?o ?m c?p ho?c ?n y?u c?u ng k? giao d?ch b?o ?m c? ch?ng nh?n c?a c? quan ng k? giao d?ch b?o ?m, b?ng k? m? t? t?i s?n ng k? giao d?ch b?o ?m.3. Sau khi quy?t to?n D? ?n v? nh?n ??c Gi?y ch?ng nh?n ng k? giao d?ch b?o ?m s?a ?i do c? quan ng k? giao d?ch b?o ?m c?p quy ?nh t?i i?m d kho?n 2 i?u 9 Th?ng t? n?y, trong v?ng 10 ng?y k? t? khi nh?n ??c Gi?y ch?ng nh?n, B?n th? ch?p g?i danh s?ch to?n b? t?i s?n th? ch?p k?m theo m? t? cho B?n nh?n th? ch?p c?ng v?i Gi?y ch?ng nh?n.i?u 11. Ch? ? b?o c?o1. B?o c?o ?nh k?Tr??c ng?y 30/6 h?ng nm, B?n th? ch?p c? tr?ch nhi?m g?i b?o c?o cho B?n nh?n th? ch?p v? t?nh h?nh t?i s?n th? ch?p c?a kho?n vay ??c Ch?nh ph? b?o l?nh ?n ng?y 31/12 c?a nm li?n k? tr??c ? k?m theo x?c nh?n c?a C?ng ty ki?m to?n ?c l?p theo m?u t?i Ph? l?c 5 ho?c Ph? l?c 6 c?a Th?ng t? n?y.2. B?o c?o ?t xu?t v? b?o c?o theo y?u c?uKhi c? y?u c?u ho?c khi gi? tr? t?i s?n th? ch?p bi?n ?ng b?t th??ng tr?n 10% t?ng gi? tr? t?i s?n th? ch?p so v?i l?n b?o c?o g?n nh?t, B?n th? ch?p c? tr?ch nhi?m b?o c?o ngay cho B?n nh?n th? ch?p v? nh?ng thay ?i li?n quan ?n t?i s?n th? ch?p theo m?u t?i Ph? l?c 5 ho?c Ph? l?c 6 c?a Th?ng t? n?y.i?u 12. X? l? vi ph?m ?i v?i B?n th? ch?pTr??ng h?p B?n th? ch?p kh?ng th?c hi?n c?c quy ?nh v? th? ch?p t?i s?n theo quy ?nh t?i Th?ng t? n?y cho kho?n vay ??c Ch?nh ph? b?o l?nh, B? T?i ch?nh b?o c?o Th? t??ng Ch?nh ph? x? l? theo m?t ho?c nhi?u bi?n ph?p nh? sau:1. Y?u c?u B?n cho vay t?m ng?ng vi?c gi?i ng?n ?i v?i kho?n vay ang r?t v?n.2. Kh?ng xem x?t c?p b?o l?nh ch?nh ph? cho kho?n vay m?i ho?c kh?ng ph? duy?t d? ?n s? d?ng v?n vay n??c ngo?i c?a Ch?nh ph? c?a B?n th? ch?p (n?u c?).3. Y?u c?u B?n th? ch?p tr? n? tr??c h?n to?n b? d? n? cho B?n cho vay ? thu h?i b?o l?nh ?i v?i kho?n vay ang r?t v?n ho?c ? ho?n th?nh vi?c gi?i ng?n t?nh ?n th?i i?m vi ph?m.4. C?c h?nh th?c kh?c ph? h?p v?i quy ?nh c?a ph?p lu?t.i?u 13. Tr?ch nhi?m c?a B?n th? ch?p1. Ph?i h?p v?i B? T?i ch?nh ? k? k?t H?p ?ng th? ch?p t?i s?n cho kho?n vay ??c Ch?nh ph? b?o l?nh tr??c khi B? T?i ch?nh ph?t h?nh Th? b?o l?nh.2. Th?c hi?n ng k? giao d?ch b?o ?m ?i v?i t?i s?n th? ch?p ? b?o ?m cho kho?n vay ??c Ch?nh ph? b?o l?nh theo quy ?nh c?a ph?p lu?t.3. Th?c hi?n ?nh gi? ho?c ki?m k? ?nh k?, ?t xu?t t?i s?n th? ch?p theo quy ?nh v? b?o c?o B?n nh?n th? ch?p v? k?t qu? ?nh gi?, ki?m k?.4. Thanh to?n m?i chi ph? ph?t sinh li?n quan ?n vi?c ng k? t?i s?n th? ch?p.5. Mua b?o hi?m cho t?i s?n th? ch?p theo quy ?nh c?a ph?p lu?t.6. Cung c?p th?ng tin ch?nh x?c, trung th?c, k?p th?i v? t?nh h?nh t?i s?n th? ch?p cho B?n nh?n th? ch?p v? tu?n th? ch? ? b?o c?o ?y ?, ?ng h?n theo quy ?nh t?i Th?ng t? n?y.7. Qu?n l?, s? d?ng t?i s?n th? ch?p cho kho?n vay ??c Ch?nh ph? b?o l?nh ?ng m?c ?ch v? theo quy ?nh c?a ph?p lu?t v? giao d?ch b?o ?m.i?u 14. Tr?ch nhi?m c?a B?n nh?n th? ch?p1. B?o c?o Th? t??ng Ch?nh ph? v? t?i s?n ch?a c? quy ?nh ph?p lu?t v? ng k? giao d?ch b?o ?m.2. L?u tr? c?c h? s? g?c v? h?p ?ng th? ch?p t?i s?n, h? s? ng k? giao d?ch b?o ?m.3. Theo d?i bi?n ?ng danh m?c ng k? t?i s?n th? ch?p tr?n c? s? b?o c?o c?a B?n th? ch?p.4. B?o c?o Th? t??ng Ch?nh ph? c?c tr??ng h?p vi ph?m vi?c ng k? giao d?ch b?o ?m ?i v?i t?i s?n th? ch?p c?a B?n th? ch?p theo quy ?nh v? th? ch?p t?i s?n t?i Th?ng t? n?y.Ch??ng IIII?U KHO?N THI H?NHi?u 15. Hi?u l?c thi h?nh1. Th?ng t? n?y c? hi?u l?c thi h?nh k? t? ng?y 01 th?ng 3 nm 2016.2. Tr??ng h?p c?c vn b?n tr?ch d?n t?i Th?ng t? n?y ??c s?a ?i, b? sung ho?c thay th? th? th?c hi?n theo quy ?nh t?i vn b?n s?a ?i, b? sung ho?c thay th?.i?u 16. i?u kho?n chuy?n ti?p1. Tr??ng h?p kho?n vay ??c Ch?nh ph? b?o l?nh ? c?p Th? b?o l?nh tr??c ng?y Th?ng t? n?y c? hi?u l?c thi h?nh v? theo quy ?nh ph?p lu?t v? b?o l?nh Ch?nh ph? t?i th?i i?m c?p Th? b?o l?nh kh?ng ph?i th? ch?p t?i s?n th? ti?p t?c th?c hi?n theo ph?p lu?t t?i th?i i?m c?p Th? b?o l?nh.2. Tr??ng h?p kho?n vay ??c Ch?nh ph? b?o l?nh ? c?p Th? b?o l?nh tr??c ng?y Th?ng t? n?y c? hi?u l?c thi h?nh, theo quy ?nh ph?p lu?t ph?i th? ch?p t?i s?n v? v?n c?n d? n? vay, th?c hi?n nh? sau:a) N?u B?n th? ch?p ? k? H?p ?ng th? ch?p t?i s?n v? ? ng k? giao d?ch b?o ?m, B?n th? ch?p th?c hi?n c?c quy ?nh v? ch? ? b?o c?o, h?y b? ho?c ch?m d?t th? ch?p t?i s?n theo h??ng d?n c?a Th?ng t? n?y v? c?c quy ?nh c? li?n quan c?a H?p ?ng th? ch?p t?i s?n ? k?.b) N?u B?n th? ch?p ? k? H?p ?ng th? ch?p t?i s?n v? ch?a ng k? giao d?ch b?o ?m, B?n th? ch?p th?c hi?n ng k? giao d?ch b?o ?m theo quy ?nh t?i Th?ng t? n?y v? h??ng d?n c?a B? T?i ch?nh; th?c hi?n c?c quy ?nh v? ch? ? b?o c?o, h?y b? ho?c ch?m d?t th? ch?p t?i s?n theo h??ng d?n c?a Th?ng t? n?y v? c?c quy ?nh c? li?n quan c?a H?p ?ng th? ch?p t?i s?n ? k?.c) N?u B?n th? ch?p ch?a k? H?p ?ng th? ch?p t?i s?n, B?n th? ch?p th?c hi?n vi?c th? ch?p t?i s?n theo quy ?nh t?i Th?ng t? n?y v? h??ng d?n c?a B? T?i ch?nh.i?u 17. T? ch?c th?c hi?n1. B? T?i ch?nh, B?n th? ch?p v? c?c c? quan, t? ch?c, c? nh?n c? li?n quan c? tr?ch nhi?m th?c hi?n ?ng c?c quy ?nh t?i Th?ng t? n?y.2. Trong qu? tr?nh th?c hi?n, n?u c? v??ng m?c, ? ngh? c?c c? quan, t? ch?c, c? nh?n c? li?n quan ph?n ?nh k?p th?i cho B? T?i ch?nh ? nghi?n c?u, gi?i quy?t./.??N?i nh?n: - Th? t??ng, c?c Ph? Th? t??ng Ch?nh ph?; - Vn ph?ng TW v? c?c Ban c?a ?ng; - Vn ph?ng T?ng B? th?; - Vn ph?ng Qu?c h?i, - Vn ph?ng Ch? t?ch n??c; - Vn ph?ng Ch?nh ph?; - Vn ph?ng Ban ch? ?o TW v? ph?ng, ch?ng tham nhing; - C?c B?, c? quan ngang B?, c?c c? quan thu?c Ch?nh ph?; - Ki?m to?n Nh? n??c; - To? ?n Nh?n d?n t?i cao; - Vi?n ki?m s?t Nh?n d?n t?i cao; - UBND c?c t?nh, th?nh ph?; - C?c ki?m tra vn b?n (B? T? ph?p); - C?ng b?o; - Website B? T?i ch?nh; - L?u VT, QLN.KT. B? TR??NG TH? TR??NG Tr??ng Ch? Trung?PH? L?C 1M?U H?P ?NG TH? CH?P T?I S?N CHO KHO?N VAY ??C CH?NH PH? B?O L?NH (M?u n?y c? th? ??c s?a ?i, b? sung t?y v?o t?nh h?nh th?c t? th?c hi?n)C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c --------------- H?P ?NG TH? CH?P T?I S?NS?:& & & & & & .Cn c? B? lu?t D?n s? s? 33/2005/QH11 ng?y 14/06/2005 c?a n??c CHXHCN Vi?t Nam nm 2005;Cn c? Lu?t Qu?n l? n? c?ng s? 29/2009/QH12 ng?y 17 th?ng 6 nm 2009;Cn c? Ngh? ?nh s? 163/2006/N-CP ng?y 29 th?ng 12 nm 2006 c?a Ch?nh ph? v? giao d?ch b?o ?m v? Ngh? ?nh s? 11/2012/N-CP ng?y 22/02/2012 v? s?a ?i, b? sung m?t s? i?u c?a Ngh? ?nh s? 163/2006/N-CP;Cn c? Ngh? ?nh s? 83/2010/N-CP ng?y 23 th?ng 7 nm 2010 c?a Ch?nh ph? v? ng k? giao d?ch b?o ?m;Cn c? Ngh? ?nh s? 15/2011/N-CP ng?y 16 th?ng 02 nm 2011 c?a Ch?nh ph? v? c?p v? qu?n l? b?o l?nh ch?nh ph?;Cn c? Ngh? ?nh s? 01/2011/N-CP ng?y 05 th?ng 01 nm 2011 c?a Ch?nh ph? v? ph?t h?nh tr?i phi?u Ch?nh ph?, tr?i phi?u ??c Ch?nh ph? b?o l?nh v? tr?i phi?u ch?nh quy?n ?a ph??ng (?i v?i tr??ng h?p b?o l?nh ph?t h?nh tr?i phi?u);Cn c? Th?ng t? s? /2016/TT-BTC ng?y / /2016 h??ng d?n th? ch?p t?i s?n ? b?o ?m cho kho?n vay ??c Ch?nh ph? b?o l?nh;Cn c? vn b?n s?... ng?y... c?a Th? t??ng Ch?nh ph? ph? duy?t c?p b?o l?nh ch?nh ph? cho kho?n vay Ng?n h?ng & cho D? ?n& Theo th?a thu?n c?a c?c b?n,H?m nay, ng?y & & ./& ../20& ., ch?ng t?i g?m:1. B?N NH?N TH? CH?P (B?n A)B? T?I CH?NHTr? s? t?i:& & & & & & & & & & & & & & & & & & & & & & & i?n tho?i:& & & & & & & & & & & Fax& & & & & & & & & & Ng??i ?i di?n: ?ng/B?& & & & & & & & Ch?c v?:& & & & & & & (Theo gi?y ?y quy?n s?:& & & & ...... ng?y& ../& /20& . c?a & & & & & ..)2. B?N TH? CH?P (B?n B)T?n t? ch?c: & & & & & & & & & & & & & & & & & - ?a ch?: & & & & & & & & & & & & & & & & & & - Gi?y ch?ng nh?n KKD/ Gi?y ph?p ?u t?/Quy?t ?nh th?nh l?p s?:& & & & & & & & & . ng?y: & ../ & & / & & .. do: & & & & . c?p.- M? s? doanh nghi?p: & & & & & & & & & & & & & & & & & & ..- S? i?n tho?i: & & & & & & . s? fax: & & & & & & Email:...- H? v? t?n ng??i ?i di?n: & & & Ch?c v?: & & Nm sinh:& & - Gi?y ?y quy?n s?: & & . ng?y & ./& ../& .. do & & & & & & . ?y quy?n.- Gi?y CMND/H? chi?u s?: & & & & . c?p ng?y & ./& ./& & t?i: & & & - ?a ch? li?n h?: & & & & & & & & & & & .......? ?m b?o thanh to?n ?y ?, k?p th?i c?c ngh)a v? theo d? n? ? c? ho?c s? ph?t sinh trong t??ng lai c?a B?n B v?i B?n A theo H?p ?ng vay k? gi?a B?n B v? & ng?y & ??c Ch?nh ph? b?o l?nh tr? gi? & , c?c b?n c?ng nhau th?a thu?n k? k?t H?p ?ng th? ch?p t?i s?n cho kho?n vay & c?a B?n B ? ?u t? D? ?n & v?i c?c n?i dung sau:i?u 1. T?i s?n th? ch?p:B?n B th? ch?p cho B?n A t?t c? c?c t?i s?n, quy?n, l?i ?ch c?a B?n B g?n li?n v?i kho?n vay v? D? ?n nh? sau:1.1. B?n B l? ch? s? h?u h?p ph?p c?c t?i s?n v? c?c quy?n, l?i ?ch li?n quan ?n t?i s?n h?nh th?nh t? kho?n vay ??c Ch?nh ph? b?o l?nh theo H?p ?ng vay k? ng?y & gi?a& v? c?c t?i s?n kh?c (n?u c?) sau ?y:a) C?c h?ng m?c ki?n tr?c c?ng tr?nh, m?y m?c thi?t b?, t? v?n, gi?i ph?ng m?t b?ng& c?u th?nh n?n D? ?n & .b) Quy?n nh?n ti?n b?i ho?n v?/ho?c thanh to?n li?n quan ?n th? h??ng c?c b?o l?nh h?p ?ng; b?o hi?m x?y d?ng ho?c b?o hi?m t?i s?n (trong th?i gian x?y d?ng v? v?n h?nh) ??c n?u t?i i?u 3.4.8 c?a H?p ?ng n?y.c) Quy?n khai th?c, s? d?ng D? ?n (s? d?ng ?t, t?i nguy?n, kinh doanh& )1.2. C?c lo?i gi?y t? ch?ng minh quy?n s? h?u ho?c ?ng ch? s? h?u t?i s?n c?a B?n B bao g?m?:(ghi r? lo?i t?i s?n, s? l??ng ch?t l??ng, c?c th?ng tin chi ti?t v? t?i s?n nh? nh?n hi?u, s? seri, di?n t?ch& )& & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & 1.3. T?i s?n th? ch?p l? t?i s?n h?nh th?nh t? D? ?n .., tr?n th?a ?t ??c c? quan c? th?m quy?n giao cho B?n B s? d?ng (theo Gi?y ch?ng nh?n quy?n s? d?ng ?t s?: & ):a) T?i s?n g?n v?i th?a ?t: & b) Th?a ?t:- Th?a ?t s?: ????????????????????????? ; - T? b?n ? s?:- ?a ch? th?a ?t:- Di?n t?ch: (B?ng ch?: & )- Th?i h?n s? d?ng:- Ngu?n g?c s? d?ng:1.4. Gi? tr? t?i s?n:T?i s?n t? ngu?n v?n vay ??c x?c ?nh gi? tr? tr?n c? s? H?p ?ng & (c? gi? tr? ch?a bao g?m thu? l? & ) ? k? gi?a B?n B v? & ng?y & ??c thanh to?n t? H?p ?ng vay ? k? gi?a B?n B v? & ng?y & v? c?c t?i s?n kh?c ??c thanh to?n t? H?p ?ng vay (n?u c?); Quy?t ?nh ph? duy?t D? ?n s? & ng?y & (v?i t?ng m?c ?u t? ??c duy?t l? & ) c?a & v? c?c vn b?n kh?c c? li?n quan t?i H?p ?ng th??ng m?i.B?n B c? tr?ch nhi?m ph?i h?p v?i B?n A ?nh gi? l?i t?i s?n theo quy ?nh c?a ph?p lu?t, ??c l?p th?nh bi?n b?n ?nh gi?, ??c coi l? b? ph?n kh?ng t?ch r?i v? c? gi? tr? ph?p l? theo H?p ?ng n?y.Gi? tr? t?i s?n th? ch?p t?i i?u n?y kh?ng ??c ?p d?ng khi x? l? t?i s?n th? ch?p. C?c b?n s? th?ng nh?t ph??ng th?c ?nh gi? t?i s?n th? ch?p t?i th?i i?m x? l?. Tr??ng h?p kh?ng th?a thu?n ??c, B?n A c? quy?n quy?t ?nh vi?c ?nh gi?, B?n B b?ng H?p ?ng n?y cam k?t ch?p thu?n k?t qu? ?nh gi? c?a B?n A m? kh?ng khi?u n?i, khi?u ki?n.1.4. C?c tr??ng h?p thu?c t?i s?n th? ch?p:- Ph?n gi? tr? tng l?n do s?a ch?a, thay th? b? ph?n, n?ng c?p t?i s?n cing thu?c t?i s?n th? ch?p.- Tr??ng h?p t?i s?n th? ch?p ??c b?o hi?m, khi ph?t sinh s? ki?n b?o hi?m th? to?n b? s? ti?n b?i th??ng b?o hi?m cing thu?c t?i s?n th? ch?p.1.5. ?nh gi? l?i t?i s?n th? ch?p trong c?c tr??ng h?p sau?:- Theo quy?t ?nh c?a c? quan nh? n??c c? th?m quy?n.- Th?c hi?n chuy?n ?i s? h?u doanh nghi?p?: c? ph?n h?a, b?n ho?c chuy?n ?i s? h?u doanh nghi?p theo c?c h?nh th?c kh?c.- D?ng t?i s?n ? ?u t? ra ngo?i doanh nghi?p.- C?c tr??ng h?p kh?c theo quy ?nh c?a ph?p lu?t.i?u 2. Ngh)a v? ??c b?o ?m:B?n B t? nguy?n em T?i s?n ??c n?u t?i kho?n 1.1 i?u 1 th? ch?p cho B?n A ? ?m b?o cho ngh)a v? tr? n? c?a B?n B theo T?ng tr? gi? b?o l?nh bao g?m n? g?c, n? l?i, l?i ph?t ch?m tr? (n?u c?), chi ph? hu? kho?n vay v? l? ph?, chi ph? nh? ??c ? c?p t?i Th? b?o l?nh cho H?p ?ng vay ? k? gi?a B?n B v? & ng?y & trong ? s? ti?n g?c l? & (B?ng ch?: & ), ph? b?o l?nh v? cho ngh)a v? tr? n? (g?c, l?i, l?i ch?m tr?) c?a B?n B ?i v?i Qu? T?ch liy tr? n? ph?t sinh (n?u c?) theo kho?n vay ??c Ch?nh ph? b?o l?nh.i?u 3. Quy?n v? ngh)a v? c?a c?c b?n:3.1 Quy?n c?a B?n A:3.1.1) Y?u c?u B?n B giao b?n ch?nh c?c gi?y t? v? t?i s?n th? ch?p theo quy ?nh c?a ph?p lu?t v? theo y?u c?u c?a B?n A (n?u c?);3.1.2) Y?u c?u B?n B th?ng b?o k?p th?i ti?n ? h?nh th?nh t?i s?n; s? thay ?i t?i s?n th? ch?p; cung c?p th?ng tin v? th?c tr?ng t?i s?n th? ch?p. ??c xem x?t, ki?m tra tr?c ti?p theo ?nh k? ho?c ki?m tra ?t xu?t t?i s?n th? ch?p khi ? h?nh th?nh; y?u c?u B?n B thay th?, b? sung b?ng t?i s?n kh?c khi gi? tr? t?i s?n th? ch?p suy gi?m ho?c m?t gi? tr? do kh?u hao ho?c hao m?n t? nhi?n (n?u c?) ho?c v? b?t k? l? do n?o kh?c.3.1.3) Y?u c?u B?n B ph?i ?p d?ng c?c bi?n ph?p c?n thi?t ? b?o to?n t?i s?n, gi? tr? t?i s?n ho?c th? ch?p b?ng t?i s?n kh?c n?u t?i s?n th? ch?p b? m?t, h? h?ng, c? nguy c? m?t gi? tr? ho?c gi?m s?t gi? tr?. N?u B?n B kh?ng th?c hi?n th? B?n A ??c ?p d?ng c?c bi?n ph?p ? B?n B ph?i th?c thi?n ngh)a v? n?y.3.1.4) Trong tr??ng h?p c?n thi?t, y?u c?u B?n B ho?c b?n th? ba gi? t?i s?n th? ch?p b?n giao t?i s?n ? cho B?n A ? x? l? trong tr??ng h?p ?n h?n th?c hi?n ngh)a v? m? B?n B kh?ng th?c hi?n ho?c th?c hi?n kh?ng ?ng ngh)a v?;3.1.5) X? l? t?i s?n ? B?n B th?c hi?n ngh)a v? theo quy ?nh t?i i?u 4 H?p ?ng n?y;3.1.6) C?c quy?n kh?c theo quy ?nh c?a ph?p lu?t.3.2. Ngh)a v? c?a B?n A:3.2.1) Gi? v? b?o qu?n gi?y t? v? t?i s?n th? ch?p; b?i th??ng thi?t h?i cho B?n B n?u l?m m?t, h?ng gi?y t? v? t?i s?n th? ch?p;3.2.2) Tr? l?i gi?y t? v? t?i s?n (n?u c?) t??ng ?ng v?i s? n? B?n B ? tr?, n?u vi?c gi?i ch?p m?t ph?n t?i s?n kh?ng ?nh h??ng ?n t?nh ch?t, t?nh nng s? d?ng ban ?u v? gi? tr? c?a t?i s?n th? ch?p c?n l?i.3.2.3) Tr? l?i gi?y t? v? t?i s?n khi B?n B ho?n th?nh ngh)a v? ??c b?o ?m ho?c thay th? b?ng bi?n ph?p b?o ?m ti?n vay kh?c.3.2.4) C?c ngh)a v? kh?c theo quy ?nh c?a ph?p lu?t.3.3. Quy?n c?a B?n B:3.3.1) Khai th?c c?ng d?ng, h??ng hoa l?i, l?i t?c t? t?i s?n th? ch?p;3.3.2) ??c ?u t? ? l?m tng gi? tr? c?a t?i s?n th? ch?p; gi? tr? tng th?m cing thu?c t?i s?n th? ch?p n?u t?i kho?n 1.4, i?u 1 H?p ?ng n?y.3.3.3) Y?u c?u B?n A b?i th??ng thi?t h?i n?u gi?y t? v? t?i s?n th? ch?p b? m?t, h? h?ng;3.3.4) Trong tr??ng h?p ??c s? ?ng ? b?ng vn b?n c?a B?n A, ??c b?n, chuy?n nh??ng m?t ph?n t?i s?n l? h?ng h?a lu?n chuy?n trong qu? tr?nh s?n xu?t kinh doanh v?i gi? tr? t??ng ?ng (theo t? l? so v?i gi? tr? TSB) v?i s? ti?n ? th?c hi?n ngh)a v?, n?u vi?c gi?i ch?p m?t ph?n t?i s?n kh?ng ?nh h??ng ?n t?nh ch?t, t?nh nng s? d?ng ban ?u v? gi? tr? c?a ph?n t?i s?n c?n l?i;3.3.5) Nh?n l?i gi?y t? v? t?i s?n th? ch?p (n?u c?) khi ho?n th?nh ngh)a v? ??c b?o ?m n?u t?i i?u 2 c?a H?p ?ng n?y ho?c thay th? b?ng t?i s?n kh?c tr?n c? s? ch?p thu?n b?ng vn b?n c?a B?n A.3.3.6). ??c b? sung, thay th? t?i s?n b?ng t?i s?n th? ch?p kh?c c? gi? tr? t??ng ??ng n?u ??c B?n A cho ph?p b?ng vn b?n.3.4. Ngh)a v? c?a B?n B:3.4.1) B?o c?o k?p th?i cho B?n A ti?n ? h?nh th?nh t?i s?n v? s? thay ?i t?i s?n th? ch?p; g?i ?ng th?i cho B?n A b?o c?o t?ng h?p k?t qu? ki?m k? t?i s?n cu?i k? k? to?n nm, tr??c khi l?p b?o c?o t?i ch?nh;3.4.2) Giao b?n ch?nh c?c gi?y t? v? t?i s?n th? ch?p h?nh th?nh trong t??ng lai cho B?n A khi k? H?p ?ng th? ch?p (n?u c?);3.4.3) Th?ng b?o cho B?n A v? tr?n c? s? ? ki?n ch?p thu?n b?ng vn b?n c?a B?n A v? quy?n c?a ng??i th? ba ?i v?i t?i s?n th? ch?p (n?u c?). Trong tr??ng h?p kh?ng th?ng b?o th? B?n A c? quy?n y?u c?u B?n B b?i th??ng thi?t h?i ho?c duy tr? h?p ?ng v? ch?p nh?n quy?n c?a ng??i th? ba ?i v?i t?i s?n th? ch?p n?u (c?c) b?n th? ba k? x?c nh?n ?ng ? v? vi?c th? ch?p t?i s?n theo h?p ?ng n?y;3.4.4) Th?c hi?n c?ng ch?ng, ch?ng th?c h?p ?ng th? ch?p, ng k?/x?a ng k? giao d?ch b?o ?m theo quy ?nh c?a ph?p lu?t ho?c theo y?u c?u c?a B?n A; ch?u tr?ch nhi?m thanh to?n chi ph? c?ng ch?ng, ch?ng th?c, ng k?, x?a ng k? giao d?ch b?o ?m;3.4.5) Thanh to?n m?i chi ph? ph?t sinh li?n quan ?n c?c nghi?p v? v? t?i s?n th? ch?p trong su?t qu? tr?nh ng k? giao d?ch b?o ?m, th? ch?p t?i s?n v? x? l? t?i s?n th? ch?p;3.4.6) Kh?ng ??c b?n, trao ?i, t?ng cho, cho thu?, cho m??n, g?p v?n li?n doanh t?i s?n ang th? ch?p, kh?ng ??c thay ?i m?c ?ch s? d?ng t?i s?n tr? tr??ng h?p ??c B?n A ch?p thu?n b?ng vn b?n. Trong tr??ng h?p b?n t?i s?n th? ch?p th? s? ti?n thu ??c ho?c t?i s?n h?nh th?nh t? s? ti?n thu ??c tr? th?nh t?i s?n th? ch?p thay th? cho t?i s?n ? b?n;3.4.7) Ch?p nh?n s? ki?m tra theo ?nh k? ho?c ki?m tra ?t xu?t c?a B?n A trong qu? tr?nh b?o qu?n, s? d?ng t?i s?n;3.4.8) Mua b?o hi?m v?t ch?t ?i v?i t?i s?n th? ch?p trong th?i gian ?m b?o ngh)a v? (theo quy ?nh c?a ph?p lu?t v? theo y?u c?u c?a B?n A) v? h?p ?ng b?o hi?m n?u r? ng??i th? h??ng l? B?n A; Tr??ng h?p B?n B ? mua b?o hi?m cho t?i s?n th? ch?p th? kho?n ti?n b?o hi?m cing thu?c t?i s?n th? ch?p. Quy?n th? h??ng ti?n b?o hi?m theo H?p ?ng b?o hi?m thu?c v? B?n A. B?n B ?m b?o r?ng B?n A ??c ghi t?n trong c?c h?p ?ng b?o hi?m sau th?i i?m k? k?t H?p ?ng n?y v?i t? c?ch l? b?n th? h??ng b?o hi?m ?u ti?n. Th?i h?n b?o hi?m kh?ng ??c ?t h?n th?i h?n th? ch?p. M?c b?o hi?m kh?ng th?p h?n gi? th? tr??ng c?a t?i s?n c?ng lo?i t?i th?i i?m k? k?t h?p ?ng b?o hi?m. Ti?n b?o hi?m ??c th? h??ng ??c s? d?ng ? thu n? (k? c? tr??c h?n) c?a B?n B tr? tr??ng h?p c?c b?n c? th?a thu?n kh?c.B?n A xem x?t chuy?n ti?n b?o hi?m cho B?n B h??ng v? s? d?ng khi B?n B ?m b?o th?c hi?n ?y ? v? ?ng h?n c?c ngh)a v? ph?t sinh theo H?p ?ng vay ??c Ch?nh ph? b?o l?nh v? c?c H?p ?ng kh?c c? li?n quan t?i kho?n vay ??c Ch?nh ph? b?o l?nh ? k? v?i B?n B t?i th?i i?m nh?n ti?n b?o hi?m:a) Trong giai o?n x?y d?ng v? gi? tr? ti?n b?o hi?m ??c nh?n d??i 5% gi? tr? c?ng tr?nh, B?n A chuy?n tr? ti?n b?o hi?m cho B?n B ? kh?c ph?c h?u qu?;b) Khi ? ho?n th?nh giai o?n x?y d?ng, B?n A chuy?n m?t ph?n ti?n b?o hi?m nh?n ??c t? c? quan b?o hi?m cho B?n B ? kh?c ph?c s? c? t?y theo t?ng tr??ng h?p c? th? nh?ng t?i thi?u ph?i gi? l?i s? ti?n b?o hi?m b?ng ngh)a v? c?a m?t k? tr? n? k? ti?p.3.4.9) Ph?i b?o qu?n an to?n, ?p d?ng c?c bi?n ph?p c?n thi?t k? c? ph?i ng?ng vi?c khai th?c c?ng d?ng c?a t?i s?n, n?u vi?c ti?p t?c khai th?c c? nguy c? l?m m?t gi? tr? ho?c gi?m s?t gi? tr? t?i s?n th? ch?p; n?u l?m m?t, h? h?ng th? ph?i s?a ch?a kh?i ph?c gi? tr?, b? sung t?i s?n th? ch?p, thay th? b?ng t?i s?n kh?c ??c B?n A ch?p nh?n ho?c th?c hi?n ngh)a v? tr??c h?n cho B?n A;3.4.10) Ph?i h?p v?i B?n A ti?n h?nh c?c th? t?c nh?n ti?n b?o hi?m t? t? ch?c b?o hi?m ? th?c hi?n ngh)a v? ?i v?i B?n A trong tr??ng h?p t?i s?n th? ch?p m?t, h? h?ng m? t?i s?n ? ? ??c b?o hi?m; vi?c s? d?ng ti?n b?o hi?m ??c th?c hi?n theo nguy?n t?c n?u t?i kho?n 3.4.8 i?u n?y.3.4.11) Ph?i h?p v?i B?n A x? l? t?i s?n th? ch?p v? thanh to?n c?c chi ph? li?n quan ?n vi?c x? l? t?i s?n (n?u c? ph?t sinh).3.4.12) Tr??ng h?p c? th?a thu?n B?n B ??c t?m gi? gi?y t? t?i s?n theo quy ?nh c?a ph?p lu?t:- Ph?i b?o qu?n an to?n gi?y t? t?i s?n; n?u l?m m?t, h? h?ng, th? ph?i b? sung t?i s?n, thay th? b?ng t?i s?n kh?c ??c B?n A ch?p nh?n;- Giao l?i gi?y t? t?i s?n th? ch?p khi B?n A c? y?u c?u.3.4.13) Tr? ph? thi h?nh ?n, t?t c? c?c chi ph? ph?t sinh kh?c, bao g?m c? ph? lu?t s? trong tr??ng h?p B?n A kh?i ki?n B?n B ? thu h?i n?.3.4.14) C?c ngh)a v? kh?c theo quy ?nh c?a ph?p lu?t.i?u 4. X? l? t?i s?n4.1. B?n A ??c quy?n x? l? t?i s?n trong c?c tr??ng h?p sau:4.1.1) ?n h?n th?c hi?n ngh)a v? m? B?n B kh?ng th?c hi?n ho?c th?c hi?n kh?ng ?ng, kh?ng ? ngh)a v? tr? n? theo quy ?nh c?a ph?p lu?t.4.1.2) X? l? t?i s?n th? ch?p trong tr??ng h?p B?n B b? ph? s?n theo quy ?nh t?i i?u 57 c?a Ngh? ?nh s? 163/2006/N-CP ng?y 29/12/2006 c?a Ch?nh ph? v? giao d?ch b?o ?m.4.1.3) B?t k? c? quan Nh? n??c c? th?m quy?n n?o tr?ng thu, qu?c h?u h?a, t?ch bi?n ho?c tr?ng d?ng d??i h?nh th?c kh?c to?n b? ho?c m?t ph?n ?ng k? t?i s?n c?a B?n B; ti?n h?nh c?m gi? ho?c ki?m so?t t?i s?n, ho?t ?ng kinh doanh c?a B?n B; th?c hi?n b?t k? h?nh ?ng n?o nh?m gi?i th? hay ph? s?n B?n B ph? h?p v?i quy ?nh c?a ph?p lu?t v? gi?i th?, ph? s?n doanh nghi?p.4.1.4) B?t k? quy ?nh n?o c?a t?i li?u giao d?ch ho?c h? s? ph?p l? c?a B?n B l? v? hi?u ho?c b?t h?p ph?p ho?c b? b?t k? c? quan Nh? n??c c? th?m quy?n n?o, ho?c t?a ?n b?t k? tuy?n b? l? v? gi? tr?; v? hi?u ho?c b?t h?p ph?p to?n b? hay m?t ph?n.4.1.5) T?a ?n, tr?ng t?i trong ho?c ngo?i n??c tuy?n m?t b?n ?n, ?a ra ph?n quy?t ch?ng l?i B?n B m? b?n ?n ho?c quy?t ?nh ? theo ? ki?n c?a B?n A s? c? th? d?n ?n thay ?i b?t l?i ?ng k?, c? ?nh h??ng ?n kh? nng tr? n? c?a B?n B ?i v?i B?n A ho?c c? ?nh h??ng t?i c?c t?i s?n m? B?n B ? th? ch?p cho B?n A.4.1.6) C?c tr??ng h?p kh?c theo quy ?nh c?a ph?p lu?t.4.2. Ph??ng th?c x? l? t?i s?n4.2.1) Trong th?i h?n kh?ng qu? 30 ng?y, k? t? ng?y nh?n ??c th?ng b?o c?a B?n A, B?n B ph?i ch? ?ng ph?i h?p v?i B?n A x? l? t?i s?n ? th?c hi?n ngh)a v?; Qu? th?i h?n tr?n, B?n A c? quy?n x? l? t?i s?n th? ch?p m? kh?ng c?n ? ki?n c?a B?n B.4.2.2) B?n B ph?i b?n giao t?i s?n cho B?n A theo th?ng b?o c?a B?n A; n?u h?t th?i h?n ?n ?nh trong th?ng b?o m? B?n B kh?ng giao t?i s?n th? B?n A c? quy?n thu gi? t?i s?n ? x? l?; B?n B ph?i ch?u c?c chi ph? h?p l?, c?n thi?t cho vi?c thu gi? t?i s?n th? ch?p; trong tr??ng h?p kh?ng giao t?i s?n ? x? l? ho?c c? h?nh vi c?n tr? vi?c thu gi? h?p ph?p t?i s?n th? ch?p m? g?y thi?t h?i cho B?n A th? ph?i b?i th??ng.4.2.3) B?n A c? quy?n l?a ch?n m?t trong c?c ph??ng th?c sau ? x? l? t?i s?n th? ch?p:- B?n t?i s?n th? ch?p;- B?n A nh?n ch?nh t?i s?n th? ch?p ? thay th? cho vi?c th?c hi?n ngh)a v? c?a B?n B;- Ph??ng th?c kh?c theo quy ?nh c?a ph?p lu?t.4.3. B?n t?i s?n th? ch?p4.3.1) B?n A ch? ?ng quy?t ?nh ph??ng th?c b?n t?i s?n th? ch?p, B?n A ph?i h?p v?i B?n B b?n t?i s?n tr?c ti?p cho ng??i mua ho?c ?y quy?n cho b?n th? ba b?n t?i s?n cho ng??i mua. B?n th? ba ??c ?y quy?n b?n t?i s?n c? th? l? Trung t?m b?n ?u gi? t?i s?n ho?c doanh nghi?p b?n ?u gi? t?i s?n, t? ch?c c? ch?c nng ??c mua t?i s?n ? b?n. N?u B?n A tr?c ti?p b?n t?i s?n th? ph?i b?o tr??c cho B?n B v? ?a i?m, th?i gian ?t nh?t 7 ng?y ? B?n B tham gia (tr? tr??ng h?p ?i v?i nh?ng t?i s?n m? ph?p lu?t quy ?nh ng??i x? l? t?i s?n c? quy?n x? l? ngay). S? v?ng m?t c?a B?n B kh?ng ?nh h??ng ?n vi?c b?n t?i s?n th? ch?p.4.3.2) B?n B cam oan t?o m?i i?u ki?n thu?n l?i, kh?ng l?m b?t c? i?u g? g?y kh? khn tr? ng?i ?n vi?c b?n t?i s?n th? ch?p; ph?i h?p v?i B?n A ? x? l? t?i s?n. B?n B ?y quy?n cho B?n A l?p, k? t?n tr?n c?c gi?y t? li?n quan; th?c hi?n c?c quy?n, ngh)a v? li?n quan t?i t?i s?n th? ch?p v? vi?c b?n t?i s?n th? ch?p.4.3.3) B?n A c? quy?n b?n t?i s?n v?i gi? kh?i i?m do B?n A t? x?c ?nh ho?c thu? t? ch?c, c? nh?n kh?c x?c ?nh.4.3.4) B?n A c? quy?n quy?t ?nh gi?m t? 5% gi? b?n t?i s?n so v?i gi? b?n l?n tr??c li?n k?, sau m?i l?n th?c hi?n b?n t?i s?n th? ch?p kh?ng th?nh c?ng.4.3.5) Tr??ng h?p t?i s?n th? ch?p b?o ?m cho ngh)a v? bao g?m nhi?u t?i s?n, B?n B ?ng ? ? B?n A ??c l?a ch?n t?i s?n c? th? ? x? l?, ?m b?o th?c hi?n ?y ? ngh)a v?, ph? h?p v?i quy ?nh c?a ph?p lu?t.4.3.6) S? ti?n thu ??c t? vi?c b?n t?i s?n sau khi tr? i c?c chi ph? cho vi?c b?n t?i s?n, s? d?ng ? thanh to?n c?c ngh)a v? c?a B?n B cho B?n A theo c?c th? t? sau:(i) to?n b? d? n? c?n l?i c?a kho?n vay ??c Ch?nh ph? b?o l?nh;(ii) c?c kho?n n? m? B?n B vay c?a Qu? T?ch liy tr? n? ? tr? n? ?i v?i kho?n vay ??c Ch?nh p*,??6 > N ? f h ? ? ? ? rtRT????rt^`pr???,<f????? T`n??????$N`p?????:n???????$,DRlx????^z??????????????????????????????????????????????????????????????????????????????????????????????????h P ? h ? ? tT??t`r??x?????????????????$?xa$?x_kd?$$If?0??? ,"????????????????????????????????? t??6?????????????????????????????????????2?2? l4?a?p?????x<??:??F \!?!?"^# %?&P'v(?,-~.^/?0?23,4@4`4?4????????????????????????????$?xa$?x???"0Bfn???? 6>HNjp?????*4Jt??????,8F`h~?????? R\??$2<DN?????????0:Dn???????? * < V f v ? ? ? ? ? ????????????????????????????????????????????????????????????????????????????????????????????????h'H'N'b'?'?'?'?'?'?'&(0(T(\(t(?(?(?????????????????????????????????????????????????????????????????????????????????????????????? h)H)P)d)l)t)?)?)?)?)?)?)*"*?*?*?*?*?*?*?*?*^+z+?+?+?+?+ ,,&,,,`,l,~,?,?,?,--^-f-?-?-?-?-?-. ..".2.>.H.Z.?.?.?.?.?.?.?.?.//&/D/N/\/f/v/~/?/?/?/?/?/?/?/?/0(0@0R0\0d0t0~0?0?0?0?0?0?????????????????????????????????????????????????????????????????????????????????????????????? h4@4^4`4?4?4?4565B5P5\5?5?5?5?5?5?5?5?5?5 6(6.6x6?6?6?6?6?6?6?67787@7?7?7?7?7?7??????????????????????????????????????????????????????????????????????????????????????h8R8?8?8?8?8?8?8?8?899*9<9F9N9f9t9~9?9?9?9?9 :4:F:?:?:?:?:?:;;8;H;T;X;^;?;?;?;?;<<&<n<?<?<?<?<?<?<?<?<?<*=P=z=?=?=?=?=?=?=?=?=?=>>d>?>?>?>?>?>?>?>?>?>?????????????????????????????????????????????????????????????????????????????????h@^@?B?D?E>F?F?FXHBJ?JLL6NPDR>TVRV`X?Zf]?]??????????????????????????????x?>?>? ?:?AFAlAtA?A?A?A?A&B0B?B?B?B?B?B?B?B?B?B?BCC&C6CRC\ClC|C?C?C?C?C?C?C DD$D,DXDhD?D?D?D?D?D?D?DE2ELEhExE?E?E?E$FF?F?F?F?????????????????????????????????????????????????????????????????????????????????????? hHVH?H?H?HI.IbIjI|I?I?I?I?I?IJ(J@JJJvJ~J?J?JK&K.KfKnKtK|K?K?K?K?K?K"L2LJL?L?L?LM"MVM^MpM?M?M?M?M?MNN4N@NrNzN?N?N?N?N?N?N*O4OLO^OnO?O?O?O?O?O?O?OP,PZP`P?P?P?P????????????????????????????????????????????????????????????????????????????????????????????????h]d]f]?]?]?]?]?]?]?]?] ^"^2^T^t^?^?^?^?^?^__@_b_r_?_?_?_?_,`>`f`j`?`?`?`?`?`?` aa a&a.a^ana?a?a?a?a?a?a&b8b@bHb????????????????????????????????????????????????????????????????????????????????????? hflftf~f?f?f?f?f?f?f?fg"g?b?|???????ʂ??? ??4?:??J?P?R?V?Z?n?????????܃?????z?????????????? $$Ifa$$If?x$If?x?P?x?|?~?????? ?(?8?j???????????̈????*?P?R?T?x??????????????????????????????????????????????????????????ֽ?????????????????????h?\?f?t????? ??????????????????????????????????x????????????’Ȓ??R?Z?t?????“???,?.?@?R?\?^?h?x?????֔????D?N?t?????ĕ ??p?r?x?~?????????H?Z?d?????Η֗????B?J?l???????????????8?@?H?n?x?????????ؙ???&?V?b?z????????????????????????????????????????????????????????????????????????????????????????????h?F?N?t?????????ܯ??????\?d?t???ذ?????@?X?f?p?????????????"????????????????????????????????????????????????????????????????????????????????????????h?F?P?h????????? ??0?H?x???????????????*?8?V?^?d?|??????? ??:?P?h?????????????R?????????"?.?r?z?????????? ?,?j?p??????????????????????????????????????????????????????????????????????????????????????????????h?F?b?j???????????????? ???,??????????????????????????????????????????(?B?????????????"?0?X?`????????????????????"?*?B?J?p?x?????????????????? ?&??V?h????????^?h?n???????????????h?????????????? ??(?H?X?b?n?x?????????????????"?*?4?Z?j???????????????&?:?f?p???????????????????????????????????????????????????????????????????????????????????h{F{b{l{v{?{?{?{?{?{?{?{?{ |$|8|L|T|v|~|?|?|?|?|?|?|?|}}0}>}X}b}?}?}?}?}?}?}?}?}?}?}~(~L~V~d~z~?~?~?~?~?~2BJp??????????????????????????????????????????????????????????????????????????????h?H?L?V?\?p???????????؀???.?:?L?d?v?|???????ҁځ??"?0?X?b?p??????????$?.?4?F?????ȃԃރ???? ?&?6?@?J?P?`?~???̄?? ?$?.?2??\?n?????????? ??B?D?N?P?b?r???????Č????$?*?,?>?F?H?????????????????????????????????????????????????????????????????????????????????h?J?X?d?l???????????6?R?^?v???????????????Ƣޢ???"?2?P?Z?b?n????????????????????????????????????????????????????????????????????????????????????????????????h?\?d?l?t???????ʤޤ????.?8?B?J?`?r???ĥ????*?.?F?l?|?????ʦҦڦ? ??8?@?j?r?|????????????????&?0?J?z???? ??H?n?z?????????ĩȩʩ??$?h?p???????Ԫ???????????????????????????????????????????????????????????????????????????????????? h?T?h?n?v???????޹????"?D?r?????ºʺ? ??0?6?>?b?????????Ի????2?>?L?V?Z?t???????????¼̼????"?6?>?~?????????ƽν????8?V?x?????¾޾?? ???????????????????????????????????????????????????????????????????????????????????h?B?T?Z?h?v???????4?H?R?X?Z??????????????????????????????????????????????????????????????????????????????????????????????h?F?^?r??????????????????8?@?~??????????:?\??????????????????????????????????????????????????????????????????????????????????????????????????????h?f??????????????? ?"?F?t??????????&?4?H?P?????????????????>?F?Z????????????????$?.?>?F?v?????????4??r?~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????h?H?P?T????????????????? 8`t????????????????????????????????????????????????????????????????????????????????????????????????h"P"`"?"?"?"?"?"?"$#6#H#d#v#?#?#$$ $&$:$L$p$?$?$%%"%,%J%T%b%h%v%?%?%?%?%?%?%?% &^&p&?&?&?&?&?&?&?&?&?&?&' 'H'Z'l't'|'?'????????????????????????????????????????????????????????????????????????????????h*R*f*n*?*?*?*?*?*?*?*?*?* +6+J+X+r+|+?+?+?+?+?+?+?+, ,,6,B,?????????????????????????????????????????????????????????????????????ø?h1H1N1`1?1?1?1?1?1 22:2@2P2Z2d2j2z2?2?2?233$3>3H3L3V3\3p3?3????????????????????????????????????????????????????????????????????????????????????????????h9X9v9?9?9?9?9?9?9&:4:\:^:h:j:|:????????????????????????????????????????????????????????????????????????????????h;D;F;X;`;b;f;x;?;?;?;?;?;?;?;?;?;?;?;?;< <?<?<?< =>=d=?=?=?=?=?=?=?=?=$>&>h>j>?>?>?>?>? ? ?? ?*?0?T?d?n?t???????????@?@?@?@?@?@?@?@?@?@?@?@.A??????????????????????????????????????????????????????????????????????????????????h?> ? ?v?>@?@?@?@??}}}}}}}}????$?xa$?xwkd~$$If?F?? ?,"? ????????????????? ????????????????? ???????????????? t??6?? ????????????? ????????????? ????????????? ????????????2?2? l4?a?p????????@0A|A?AHBxB?B?B?C"D?D E?EF8F?FDI?J?J?J?K?K?KMM:MvM?????????????????????????? $$Ifa$ $?x$Ifa$?x.A4AzA?A?A?A?A?AB0BFBHBZBlBvBxB?B?B?B?B?B?B*C2CXCbC?C?C?C?C D(D?D?D?D?D?D?DE(EXE?E?E?E?E?EFF*F2F6FLF?F?F?F?F?F?F?F?F?F?FGBGJG`G?G?G?G?G?G?G?GHFHRH`HlH|H?H?H?H?H IIVI`IlI?I?I?????????????????????????????????????????????????????????????????????????????????????????hRDRFRXRtR~R?R?R?R?R?R?R?R,S4SNSpS?S?S?S?S?S?S TT(T*T4TDTfTnT?T?T?T?T UU:UvU|U?U?U?U`VbVhVnV?V?V?V?V W:WLWVW??????????????????????????????????????????????????????????????????????????????????h^Z^`^t^z^~^?^?????????????????????????????????????????????????????????????????????????????????????????h_@_?_?_?_?_?_?_?_?_?_?_``*`:`<`d`p`x`?`?`?`?`?`?`?`?`?`?`?`?`?`anatavaza?a?a?a?a?a&b.b6bbJbRbZb?b?b?b?b?b?b?b?b?b????????????????????????????ôô???????????????????????????????????????hb?b???????{{{{{{{ $$Ifa$$?xa$?xpkd^$$If??0????##????????????????$???????????????? ? t???????????6?????????????????????????????????????2?2? l4?a?p??????????bc"c$cLcPcpcrctcvcxczc|c~c?c?c?c?c?c?c?c?c?c?c?c?c?c?cd dvdzd?d?d?d?dDeTeZejeze?e?e?e?eff.f0f6fLfhf?f?f?f?f?f?f?f?f?f?f?fggVgXgZgjg?????????????????????????????????????????????????????????????????꺮hdBdDdHdLdPdTdXd\d`dddhdldndtd?d?d?d?d?d?d?d?d?d???????????????????????????Ff!Ff7$If?d?d?d?d?d?d?d?d?d?d?d?d?d?d?d?deee eeeeee"e&e*e???????????????????????????Ff?,Ff?($IfFf?$*e.e2e6e:e>eBeDeVe?e0fNf?f?f?f?????????????? $$Ifa$ $?x$Ifa$$?xa$?xFft0$If?f?f?f?fgXg?g>hFhRhvhyununnneeZ $?x$Ifa$ $$Ifa$$?xa$?x?kd?2$$If??????????????????0???,"L????????????????L???????????????? t??0???????????????????????????????????6?????????????????????????????????????2?2? l4?a?p????? jgrgvg?g?g?g?g?g?g?ghhh.hhDhFhHhLhPhRhThthvhzh?h?h?h?h?h?h?h?h?h?h?h?h?h?hiiiPivi|i~i?i?i?i?i?i?i?i?i?i?i?i?i?i?i?i?i?i?i?ij8j@j?????????????????ƻ??ƻ?ƻ??ƻƻ?ƻƻ??ƻƻƻ?ƻ??????????h$$Ifִ??2,? a?](#?#r??????????????????????????T??????????????????????????????????????????? t??$6?? ????????????????????????????? ????????????????????????????? ????? ????2?2? l2?4?a?p?P?????????????????j?j?j?j?j?j?j?j?j????????$If?j?j ?kdv@$$Ifִ??2,? a?](#?#r??????????????????????????T??????????????????????????????????????????? t??$6?? ????????????????????????????? ????????????????????????????? ????? ????2?2? l2?4?a?p?P?????????????????j?j kkkkk k$k????????$If$k&k ?kdB$$Ifִ??2,? a?](#?#r??????????????????????????T??????????????????????????????????????????? t??$6?? ????????????????????????????? ????????????????????????????? ????? ????2?2? l2?4?a?p?P????????????????&k*k>kBkFkJkNkRkVk????????$IfVkXk ?kd?C$$Ifִ??2,? a?](#?#r??????????????????????????T??????????????????????????????????????????? t??$6?? ????????????????????????????? ????????????????????????????? ????? ????2?2? l2?4?a?p?P????????????????Xk\k`kdkhklkpktkxk????????$Ifxkzk ?kdE$$Ifִ??2,? a?](#?#r??????????????????????????T??????????????????????????????????????????? t??$6?? ????????????????????????????? ????????????????????????????? ????? ????2?2? l2?4?a?p?P????????????????zk?k0l4lRl?l?l?l?l?l???????a\?\$?kd?F$$If??????????????????0???,"L????????????????L???????????????? t??0???????????????????????????????????6?????????????????????????????????????2?2? l4?a?p????? $$Ifa$ $?x$Ifa$?x (??/ ??=!??"??#??$??%????? ???$$If???!vh#v#v?:V t??0???????????????????????????????????65?5??/? ?????????2?2? l4? p??????$$If???!vh#v#v?:V t??65?5??/? ?????????2?2? l4? p??????$$If???!vh#vy#v?:V ? ? t???????????0???????????????????????????????????65?y5??/? ?????????2?2? l4? p??????????$$If???!vh#v #v :V ? ? t???????????????0???????????????????????????????????65? 5? /? ?????????2?2? l4? p??????????????$$If???!vh#v #v :V ? ? t???????????????65? 5? /? ?????????2?2? l4? p??????????????$$If???!vh#v? :V t??0???????????????????????????????????65?? /? ?????????2?2? l4? p????????$$If???!vh#v? :V t??65?? /? ?????????2?2? l4? p????????$$If???!vh#v##v$:V ? ? t???????????0???????????????????????????????????65?#5?$/? ?????????2?2? l4? p??????????$$If???!vh#v##v$:V ? ? t???????????65?#5?$/? ?????????2?2? l4? p??????????$$If???!vh#v##v$:V ? ? t???????????0???????????????????????????????????65?#5?$/? ?????????2?2? l4? p??????????$$If???!vh#v##v$:V ? ? t???????????65?#5?$/? ?????????2?2? l4? p??????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V 4?^ t??0???????????????????????????????????6+?+?+?+?+?+?+?+?+?,? 5??5??5??5?85??5? 85? ?/? /?  /?  /? ?????????/? ????????/? ????????2? 2? l2? 4? p?d?????????????????????kd$$If4??????????????????^?? ??f? ?H???(#?#???????8???8?8?8?8?????????????????? t??0???????????????????????????????????6??(?????(?????(?????(????2? 2? l2? 4?a?p?d????????????????????i$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V 4?^ t??6+?+?+?+?+?+?+?+?+?,? 5? 5? ?/? /?  /?  /? ?????????/? ????????/? ????????2? 4? p?d????????????????????9kdy $$If4?^?? ??f? ?H???(#?#??????????????????????????? t??6??(?????(?????(?????(????2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd$$If?? ??f? ?H???(#?#???????????????????????8???????????????????8?????????8?????????8?????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd?$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd?$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd?$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd}$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????DkdV#$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd/'$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd+$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!v h#v?#v?#v?#v8#v?#v 8#v ?:V t??6,? ,? 5??5??5??5?85??5? 85? ?/? /? /?  /? ?????????/?  ????????/?  ????????/? ????????/? ????????2? 2? l2? 4? p?d????????????????????Dkd?.$$If?? ??f? ?H???(#?#???????????????????8?????????????????8????????8????????8????????8?????????????????????????? t??6??(?????????????????????????????????????(?????????????????????????????????????(?????(????2? 2? l2? 4?a?p?d?????????????????????$$If???!vh#vL:V t??0???????????????????????????????????65?L/? ?????????2?2? l4? p??????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V 4?^ t??0???????????????????????????????????$6+?+?+?+?+?+?+?,?5?r5?5??5??5?T5?5??5??/? /? /? /? ?????????/? ????????/?  ????????2?2? l2?4? p?P????????????????9kde3$$If4??????????????????^ִ??2,? a?](#?#?r??????T????????????????????? t??0???????????????????????????????????$6?? ????? ????? ????? ????2?2? l2?4?a?p?P????????????????Q$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V 4?^ t??$6+?+?+?+?+?+?+?,?5?5??/? /? /? /? ?????????/? ????????/?  ????????2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#v?#v?#v?#vz#v##v?#v?#v?:V t??$6,?,?5?r5?5??5??5?T5?5??5??/? /? /?  /? ?????????/? ????????/? ????????/? ????????/?  ????????2?2? l2?4? p?P?????????????????$$If???!vh#vL:V t??0???????????????????????????????????65?L/? ?????????2?2? l4? p?????^ 88>>>>>>>>666666666666666666666666>666666666666666666666666666866666666666866666666666688666666666666666666666666666666666666666666666666666666666666666666668666666666666666666666888666666666666666666666666666666666666666666666666666666666666666666666666666666888886>_HmH nH sH tH @`??@ ?[?NormalCJ_HaJmH sH tH DA ???D Default Paragraph FontVi@???V 0 Table Normal :V ?4?4? la? (k ???(0No List PK!????[Content_Types].xml???N?0E?H???-J??@%?ǎǢ|?ș$?ز?U??L?TB? l,?3??;?r??Ø??J??B+$?G]??7O٭V??$????????? !)O?^?r?C$?y@?????/?yH*??񄴽)?޵??߻??UDb?`}"?qۋ?Jח???X^?)I`n?E???p)???li?V[]?1M???G?M?Ge???D?????3Vq%'#q?????$?8??K?????)f?w9:ĵ?? x}r?x????w???r?:\TZaG?*?y8I?j?bR??c|XŻ?ǿ?I u3KG?nD1?NIB?s??? ??R??u???K>V?.EL+M2?#'?f??i ~?V? ?vl?{u8??z??H? ?*???:?(W?☕~??J??T?e\O*?tHG??HY??}KN??P?*ݾ˦???TѼ?9/#??A7?qZ??$*c????qU??n??w?N??%??O??i?4 =3??N???)cbJu?V?4????(Tn??? 7??_????m-ٛ?{U????B?w??z???n???ʜ"Z ??x??J?Z??p;???? ???{/???SR!???3??K4'+?r?zQ TT??I????Ivt]K?c⫲?K#?v?5+?|??D??????~??O@%\w???_?nN[?L??9K????q??g?V?h??n R!?y+??U?n?;?*&?/H?r??T?? ?>??>\ ?t??=.Tġ ???S; Z?~?!??????P??9gi???C?ڧ!?# B??,??;?X=ۻ,I?2UW?V?9$l?k???=A??j???;?{?A?P79?|s*Y?????;?̠?[?MC?ۿ?hf??]o??{oY=1k?yV??V????5E8?Vk+֜???\8???0X4D)?!!???*|f?v?u????"?x??A?@T_??????q??6?4)kڬu?V?7? ?t ?'??%;???i?9s?9?x???,??ڎ-45x?d???8??ǘ?d?/Y|t?? &LIL?J`?& ?-G?t?/??PK!ѐ??'theme/theme/_rels/themeManager.xml.rels??M ?0???wooӺ?&݈Э???56?$Q???,.?a??i????c2?1h?:?q??m??@RN??;d?`??o7?g?K(M&$R(.1?r'J??ЊT???8??V?"??AȻ?H?u}??|?$?b{??P????8?g/]?QAsم(????#??L?[??????PK-!????[Content_Types].xmlPK-!?֧??6 0_rels/.relsPK-!ky???theme/theme/themeManager.xmlPK-!0?C)???theme/theme/theme1.xmlPK-!ѐ??'? theme/theme/_rels/themeManager.xml.relsPK]? s?????? ?(?0?7?>?F?P\ZHbjlr?ADJPU[]^_bcegiklmnoprstuvwxyz|}~?????????8?@???????????0?( ? ??B ?S ???? ????%loai_1 loai_1_namechuong_1chuong_1_namedieu_1dieu_2dieu_3dieu_4dieu_5chuong_2chuong_2_namedieu_6dieu_7dieu_8dieu_9dieu_10dieu_11dieu_12dieu_13dieu_14chuong_3chuong_3_namedieu_15dieu_16dieu_17chuong_phuluc_1chuong_phuluc_1_namechuong_phuluc_2chuong_phuluc_2_namechuong_phuluc_3chuong_phuluc_3_namechuong_phuluc_4chuong_phuluc_4_namechuong_phuluc_5chuong_phuluc_5_namechuong_phuluc_6chuong_phuluc_6_name??09L? jV 0#'?*h-T04?5667T<????Z?d?????????q?u  !"#$??8Kp? ??/lX.I('?*?-y0.4663697n<??@c?—?w? ?O?????z?u??]ADFGHJLQRUWXY_`aefgjlmprsvwy}????s???"?2?4?6?:?@?D?P?R?V?d?l?n?t??????????????????????????????????????????????????????????????? ??h??Unknown????????????G??* ??Times New Roman5??Symbol3.? ?* ??ArialA????$B?Cambria Math"????h??B???B?+'H???+'H???!??????4??3????P ??$P???????????????????]2? ???UserUser???????Oh??+'??0,x??? ?? ? ? ? $?UserNormalUser2Microsoft Office Word@@@????o?@????o?+'H?????՜.??+,??0? hp|??? ????? ?????  Title  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Root Entry???????? ?F??e?o???Data ?????????????UG1Table??????#WordDocument????*SummaryInformation(?????????????DocumentSummaryInformation8?????????CompObj????????????r?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ???? ?F Microsoft Word 97-2003 Document MSWordDocWord.Document.8?9?q