quy dinh 8077

NGN HNG TMCP U T V PHT TRIN VIT NAM

S: 8077 /Q-NHBLCNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phc

H Ni, ngy 24 thng 12 nm 2013

QUY NHV pht trin v qun l i l ph Western Union

TNG GIM CNGN HNG TMCP U T V PHT TRIN VIT NAM

- Cn c iu l v t chc v hot ng ca Ngn hng TMCP u t v Pht trin Vit Nam c i hi ng c ng thng qua ti Ngh quyt s 593/2013/NQ-HC ngy 26/04/2013;- Theo ngh ca Gim c Ban Pht trin Ngn hng Bn l v Gim c Ban Php ch,

QUY NH:Chng INHNG QUY NH CHUNGiu 1. Mc ch1. Thng nht quy trnh tm kim, tip th, thng tho hp ng, ng k vi Western Union v trin khai dch v chuyn tin Western Union (WU) i vi i l ph ca Ngn hng TMCP u t v Pht trin Vit Nam (BIDV) ti Chi nhnh (bao gm c dch v gi tin v nhn tin) v qun l mng li i l ph WU (sau y gi l i l ph) ti Tr s chnh.Comment by : Thng nht s dng Tr s chnh trong ton b VB2. Xc nh r trch nhim ca cc n v trong qu trnh qun l v pht trin i l ph. 3. m bo tun th cc quy nh hin hnh v hot ng phng chng ra tin i vi dch v chuyn tin Western Union.iu 2. i tng iu chnh v phm vi p dng1. i tng iu chnh: Vn bn ny quy nh v vic pht trin dch v WU ti cc im giao dch i l ph bao gm:Comment by : ang c s nhm ln gia i tng iu chnh v phm vi p dnga) Pht trin v qun l im giao dch i l ph;b) S dng chng trnh thc hin cc giao dch WU;c) Thanh ton cc giao dch WU cho i l ph;d) Kim sot hot ng phng chng ra tin i vi giao dch WU ca i l ph.2. Phm vi p dng: Quy nh ny c p dng i vi Tr s chnh, cc Chi nhnh, S Giao dch III, Trung tm thanh ton, Trung tm dch v khch hng, Trung tm Cng ngh thng tin ca BIDV trong vic qun l v pht trin i l ph.iu 3. Cn c php l v ti liu tham kho1. Php lnh s 28/2005/PL-UBTVQH11 ngy 13/12/2005 ca y ban thng v Quc hi v Ngoi hi;Comment by : C Php lnh sa i nm 2013, ngh cp nht2. Ngh nh s 160/2006/N-CP ngy 28/12/2006 ca Chnh ph v Quy nh chi tit thi hnh Php lnh ngoi hi;3. Php lnh s 06/2013/UBTVQH13 ngy 18/03/2013 ca y ban thng v Quc hi v Sa i, b sung mt s iu ca Php lnh Ngoi hi;4. Quyt nh s 170/1999/Q-TTg ngy 19/08/1999 ca Th tng Chnh ph v vic khuyn khch ngi Vit Nam nc ngoi chuyn tin v nc;5. Thng t s 02/2000/TCTD-NHNN7 ngy 24/02/2000 ca Ngn hng Nh nc v vic Hng dn thi hnh Quyt nh 170/1999/Q-TTg;6. Quyt nh s 878/2002/Q-NHNN ngy 19/08/2002 v vic sa i, b sung mt s im ti Thng t s 02/2000/TT-NHNN ngy 24/02/2000 ca Ngn hng Nh nc hng dn thi hnh Quyt nh 170/1999/Q-TTg ngy 19/08/1999 ca Th tng Chnh ph;Comment by ngana: ngy thng noComment by ngana: 7. Thng t s 03/2008/TT-NHNN ngy 11/04/2008 ca Ngn hng Nh nc v Hng dn v hot ng cung ng dch v ngoi hi ca t chc tn dng;8. Quy nh s 1498/Q-TTTT ngy 29/03/2013 ca Tng Gim c BIDV v Nghip v chuyn tin qua Western Union;9. Quyt nh s 587/Q-HQT ngy 25/04 /2013 ca Ch tch Hi ng qun tr BIDV v vic y quyn k Hp ng i l ph Western Union;10. Quy nh s 3246/Q-QLRRTT ngy 18/06/2013 ca Tng Gim c BIDV v Phng, chng ra tin;11. Cng vn s 3658/CV-KT1 ngy 29/06/2009 ca Tng Gim c BIDV v vic Hch ton k ton cc khon thanh ton i vi i l ph trong nghip v WU;12. Cng vn s 4272/CV-TTTT2 ngy 17/10/2012 ca Tng Gim c BIDV v vic Quy trnh quyt ton cc giao dch WU cho i l ph WU l nh ch ti chnh;13. Hp ng i l ph k gia BIDV v Western Union;14. Cc ti liu tham kho khc.iu 4. Gii thch t ngTrong Quy nh ny, cc t ng di y c hiu nh sau:1. Chi nhnh u mi: L Chi nhnh ca BIDV tm kim v k kt hp ng vi Tr s chnh ca cc i l ph.2. Chi nhnh qun l: L Chi nhnh ca BIDV qun l, h tr im giao dch i l ph do Tr s chnh ch nh hoc do Chi nhnh t tm kim pht trin.3. Chng trnh giao dch Western Union: L chng trnh phn mm do WU cung cp cho BIDV thc hin cc giao dch WU (Translink/WUPOS). 4. i l ph (LP): L n v c BIDV ch nh thay mt BIDV cung cp dch v chuyn tin WU trong nc Vit Nam theo hp ng i l ph k gia i l ph, BIDV v c WU chp thun. i l ph gm i l ph ngn hng v i l ph phi ngn hng.Comment by ngana: Xem xt li ni dung ny c phi vic k bt k i l ph no gia BIDV v i l ph u phi c BIDV chp thun hay khng hay l WU ch a ra k v BIDV v i l ph ch ng k kt, thc hin5. i l ph c mng li rng: L i l ph c nhiu hn mt im giao dch ti cc a bn tnh/thnh ph khc nhau.6. i l ph ngn hng: L cc ngn hng do Tr s chnh hoc Chi nhnh u mi k kt hp ng i l ph BIDV WU.7. i l ph phi ngn hng: L cc i l ph khng phi l ngn hng, do Chi nhnh u mi k kt hp ng i l ph BIDV WU.8. im giao dch i l ph (GD i l ph): L mt n v c iu hnh bi i l ph c WU v BIDV chp nhn thc hin dch v WU.9. Giao dch Western Union: L giao dch thc hin theo yu cu ca khch hng trong Chng trnh giao dch Western Union, gm:a) Giao dch nhn tin: L giao dch thc hin theo ngh chi tin ca Ngi nhn theo ch dn ca Ngi gi trn c s s ph hp gia thng tin Ngi nhn cung cp trn Phiu nhn tin v thng tin ca giao dch trn chng trnh giao dch WU b) Giao dch gi tin: L giao dchthc hin theo ngh ca Ngi gi chuyn tin cho Ngi nhn ti mt a im khc. 10. Giao dich vin (GDV): L ngi c giao nhim v thc hin cc giao dch WU theo quy nh ca i l ph.11. Giy t ty thn: L Chng minh nhn dn/H chiu/Chng minh s quan qun i nhn dn Vit Nam cn hiu lc theo quy nh ca php lut dng xc nh c im nhn dng v nhn thn ca ngi giao dch vi GD i l ph.12. Gii hn gi: L gi tr ti a ca mi giao dch Gi do WU quy nh. Nhng giao dch Gi c gi tr ln hn Gii hn gi phi xut trnh h s cho WU c ph duyt thc hin. 13. Hn mc giao dch gi: L gi tr ti a (USD v ngoi t khc quy i tng ng) ca mt giao dch gi (Hn mc giao dch), ca tng cc giao dch gi trong mt ngy giao dch (Hn mc ngy) m mt GD i l ph c php thc hin. 14. Khach hang: L t chc, c nhn s dng dch v WU ti GD i l ph, bao gm:a) Ngi gi: L t chc, c nhn yu cu thc hin giao dch gi.b) Ngi nhn: L t chc, c nhn c Ngi gi ch nh nhn tin theo mt giao dch nhn.15. M my tnh: L k hiu gm 4 k t do Western Union cung cp nh danh my tnh ca GD ci t Chng trnh giao dch WU. M my tnh s th hin trn mn hnh giao dch sau khi Chng trnh giao dch WU c ci t thnh cng.16. M GDV (User ID): L m ca GDV truy cp vo Chng trnh giao dch WU.17. MTCN (Money transfer control number): L m s chuyn tin ca mi giao dch chuyn tin WU, gm 10 s.18. Password: L chui k t ch v s gn vi M GDV truy cp vo chng trnh giao dch WU.19. WU: Ty tng ng cnh c th hiu l T chc cung cp dch v chuyn tin nhanh ton cu Western Union.iu 5. Trch nhim ca cc n v lin quan1. Tr s chnh: a) Ban Pht trin ngn hng Bn l (BanPTNHBL):- u mi x l cc vn lin quan n cng tc pht trin v qun l i l ph, bao gm: + Trc tip pht trin i l ph; hng dn v h tr cc Chi nhnh trong vic trin khai m rng mng li i l ph ca Chi nhnh.+ Qun l hiu qu mng li i l ph, nh k c bo co r sot, nh gi hiu qu.+ iu phi gia cc Chi nhnh v vic phi hp trin khai i l ph i vi cc i l ph c mng li chi tr ti nhiu Tnh/Thnh ph.- u mi phi hp vi cc n v lin quanv phng chng ra tin dch v WU, c th:+ Hng dn, kim tra hot ng tun th v phng, chng ra tin, tranh chp, khiu ni lin quan n nghip v WU ca cc i l ph.+ Tip nhn v x l cc vn lin quan n cng tc phng, chng ra tin trong vic thc hin nghip v WU ti i l ph theo yu cu ca WU v c quan chc nng.- u mi tip nhn v x l hoc chuyn n cc Ban/Trung tm x l cc vn lin quan n thanh ton cho i l ph do Tr s chnh u mi thanh ton. - u mi xut sa i, b sung quy nh ph hp quy nh ca php lut v tnh hnh thc t.b) Trung tm thanh ton (TTTT):- Thc hin cc yu cu ng k mi/thay i thng tin/hy GD, M my tnh, User ID ca i l ph trn c s ngh ca Ban PTNHBL v Chi nhnh qun l.- Phi hp vi Chi nhnh qun l hng dn, h tr cc GD i l ph v tc nghip nghip v WU. - Phi hp vi TTCNTT, chi nhanh quan ly x l cc li chng trnh pht sinh trong qu trnh thc hin giao dch theo yu cu cua GD ai ly phu.- Phi hp o to nghip v cho cc i l ph v h tr, hng dn Chi nhnh qun l o to nghip v cho cac GD i l ph ca Chi nhnh.- Lp ngh hch ton giao dch WU thc hin theo ngy ca cc GD i l ph, chuyn Ban K ton/TTDVKH hch ton.- Phi hp vi cc n v lin quan x l cc chnh lch pht sinh trong quyt ton giao dch WU ca i l ph; gii quyt cc khiu ni lin quan n dch v WU theo ngh ca i l ph/khch hng.c) Trung tm dch v khch hng (TTDVKH):- Phi hp vi Ban K ton v TTTT thc hin thanh ton cc giao dch WU cho i l ph do Tr s chnh u mi thanh ton theo tha thun gia BIDV v i l ph.- Tip nhn cc yu cu khiu ni ca i l ph lin quan n vic thanh ton cho i l ph.d) Ban K ton:- Hng dn hch ton k ton i vi cc giao dch WU pht sinh lin quan n i l ph.- Hch ton quyt ton cc giao dch WU do i l ph thc hin vo ti khon trung gian ca Tr s chnh hoc Chi nhnh, phi hp TTDVKH hoc Chi nhnh thanh ton cho i l ph theo quy nh.- Hch ton s ph BIDV c hng t cc giao dch do i l ph thc hin theo ngh hch ton giao dch WU ca TTTT.- Phi hp TTTT/Chi nhnh x l chnh lch pht sinh trong quyt ton giao dch WU ca i l ph.e) Ban Qun l ri ro th trng v tc nghip (Ban QLRRTT&TN): - Phi hp vi Ban PTNHBL hng dn Chi nhnh thc hin cc quy nh v phng, chng ra tin i vi giao dch WU ca i l ph.- u mi tip nhn cc bo co giao dch ng ng, qun l danh sch en, danh sch cnh bo ca i l ph do Chi nhnh gi, bo co Ngn hng Nh nc v xut hng gii quyt.2. Trung tm Cng ngh thng tin (TTCNTT):a) Hng dn v h tr Chi nhnh trong qu trnh ci t, s dng, cp nht v phi hp WU, Chi nhnh x l li chng trnh giao dch WU cho i l ph.b) Cung cp cho i l ph ti liu k thut v ci t v x l li mi trng ca chng trnh giao dch WU trong qu trnh chun b trin khai (nu cn thit).3. Cc Chi nhnh:a) Chi nhnh u mi:- u mi m phn hp ng, ng k i l ph mi i vi cc i l ph do Chi nhnh t pht trin.- u mi thng bo bng vn bn vi Tr s chnh v k hoch m rng mng li ca i l ph Tr s chnh c thng bo iu phi Chi nhnh phi hp thc hin.- Thc hin cc cng vic ca Chi nhnh qun l theo quy nh ti im b khon ny.b) Chi nhnh qun l: - o to nghip v, k thut, ci t chng trnh, trang b ti liu tip th, cung cp n ch, h tr tc nghip cho cc GD i l ph thuc phm vi qun l.- Chu trch nhim v tnh hiu qu ca GD i l ph do Chi nhnh qun l.- Yu cu i l ph ng k cn b u mi dch v WU vi Tr s chnh, c bit l cc i l ph do Tr s chnh phn giao cho Chi nhnh qun l.- u mi thc hin cc quy nh v phng, chng ra tin ca BIDV i vi hot ng ca cc i l ph do mnh qun l.- u mi phi hp vi i l ph cung cp cc chng t, ti liu, thng tin khch hng lin quan n giao dch WU ca i l ph theo yu cu ca Tr s chnh, ca WU v c quan chc nng.- Chuyn bng k giao dch cho GD i l ph do Tr s chnh chuyn ti i l ph kim tra, i chiu theo thi gian v cch thc nh ngh ca i l ph.Comment by : Thng nht s dng l Tr s chnh- Thc hin chuyn tr ph v s tin gc ng hn cho im giao dch i l ph thuc phm vi qun l.- Lu tr h s theo quy nh ca Php lut v BIDV.- c hng ton b ph m BIDV c hng t vic trin khai giao dch WU i vi im giao dch i l ph thuc phm vi qun l.

Chng IIQUY NH C THMc 1PHT TRIN V QUN L I L PHiu 6. Pht trin mi i l ph1. iu kin i l ph: a) i tng lm i l ph:- Ngn hng thng mi, ngn hng chnh sch x hi v cc loi hnh ngn hng khc;- Cc chui phn phi bn l (nh cc siu th, cc chui ca hng tin li...);- Quy thu i ngoi t;- Qu tn dng nhn dn;- Ca hng kinh doanh vng bc (loi tr trng hp ca hng vng ng k l h kinh doanh);- Cng ty du lch;- Cng ty xut khu lao ng;b) Vi tri:- u tin nhng im tai ia ban cha co im chi tra cua BIDV, c tim nng, co vi tri d nhn thy.- Han ch nhng im gn cc im giao dch ca BIDV.c) C s vt cht cn thit: my photo, may fax/scan, in thoai, my tnh kt ni Internet.d) Ngun nhn lc: Nhn vin giao dich thn thin, co kha nng cung cp dich vu. u tin nhng GD c b tr nhn lc lm vic ngoi gi hnh chnh.e) Tim lc ti chnh: Xem xt lng tin mt v tnh thanh khon ca i l ph, xem xt kt qu kinh doanh ca i l ph trong 2 nm gn nht k t thi im tip cn i l ph.f) Dch v cung cp: Khng cung cp cc sn phm dch v chuyn tin ca cc cng ty khc.g) a bn hn ch: WU c chnh sch hn ch pht trin i l ph l ca hng kinh doanh vng bc v qu tn dng nhn dn mt s a bn, danh sch c th Tr s chnh thng bo theo tng thi k (danh sch hin ti theo Ph lc 01/LP nh km).h) i l ph c th do Tr s chnh hoc Chi nhnh u mi k kt hp ng. i vi cc i l ph c mng li rng, Tr s chnh l n v u mi k kt hp ng hoc giao Chi nhnh k kt.2. Quy trnh ng k i l ph mi trong trng hp Chi nhnh u mi k kt hp ng:a) Bc 1: Chi nhnh tip cn i l ph, gii thiu vi i l ph v cc li ch khi l i l ph cho BIDV v m phn s b v cc ni dung ca Hp ng i l ph BIDV WU..- Ti liu tham kho, s dng khi gii thiu cho i l ph:+ Ti liu gii thiu v vic trin khai i l ph WU vi BIDV: Gii thiu v BIDV v li th ca BIDV trong hot ng chuyn tin; tng quan v WU; qu trnh hp tc gia BIDV v WU; cc u im khi lm i l ph thng qua BIDV; th tc lm i l ph qua BIDV.+ Biu ph giao dch WU (tham kho v c cp nht nh k).+ Mu hp ng i l ph BIDV- WU. + Mu th gii thiu v vic hp tc trong lnh vc chuyn tin WU.Chi nhnh qun l ti ti liu trn ti a ch my ch: ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Gui/Western%20Union/ Ngoi ra, Chi nhnh cn c Quy nh ny hng dn cc i l ph v quy trnh phi hp thc hin dch v WU gia BIDV v i l ph. - Ph:+ V mc ph i l ph c hng: Ph chuyn tin WU c xu hng bin ng theo tng khu vc chuyn tin do chnh sch cnh tranh ca WU (BIDV khng c thng bo trc). Do , m bo li ch ca BIDV, Chi nhnh khng tha thun vi i l ph s ph c hng theo t l % trn gi tr mn tin chuyn hoc s ph c nh trn mn m tha thun theo t l chia s ph vi i l ph. + T l ph chia s c bn: 50%-50% (Ty theo iu kin thc t, Chi nhnh u mi t quyt nh t l chia s ph gia Chi nhnh v i l ph).- Phm vi cung cp dch v: + Giao dch nhn: Tt c cc GD i l ph c php thc hin. + Giao dch gi: Ch cc GD i l ph l Ngn hng c BIDV chp thun bng vn bn mi c thc hin.b) Bc 2: Chi nhnh thu thp h s i l ph gi Tr s chnh ph duyt ln 1. H s ng k i l ph ln 1 gm:- Giy chng nhn ng k doanh doanh nghip/Giy php, quyt nh thnh lp doanh nghip;- Chng minh nhn dn/h chiu ca ch doanh nghip/ngi i din theo php lut hoc ngi c ngi i din theo php lut y quyn;Comment by ngana: Ban bn l xem li phn ny c cho php ngi c y quyn ca doanh nghip hay ko hay bt buc l ngi i din theo php lut ca doanh nghipComment by ngana: b sung giy php chi tr ngoi hi- Bo co phn tch nng lc i l ph ;- Bin bn kim tra i l ph (Mu s 02/LP);- Hnh nh bn ngoi v bn trong im giao dch i l ph;- Bo co thu 3 nm (i vi trng hp i l ph l tim vng).Chi nhnh gi file mm h s ng k i l ph ln 1 vo a ch ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Nhan/WesternUnion/Dangky%D0GDmoi/ v email/gi in thng bo cho cn b u mi dch v WU ti Ban PTNHBL.Cn c h s i l ph do Chi nhnh gi, Tr s chnh phi hp vi WU nh gi, thm nh h s v nng lc tun th ca i tc quyt nh ph duyt (hoc t chi) h s ca i tc v thng bo cho Chi nhnh thc hin cc ni dung hp tc tip theo.c) Bc 3: Chi nhnh v i l ph m phn k hp ng i l ph BIDV-WU.Sau khi nhn c thng bo chp thun ca Tr s chnh, Chi nhnh m phn k kt hp ng vi i l ph: - Cn c Quyt nh s 587/Q-HQT ngy 25/04/2013 ca Ch tch Hi ng qun tr v vic y quyn k Hp ng i l ph WU k kt hp ng vi i l ph.- S dng ng mu hp ng i l ph BIDV-WU thng nht gia BIDV v WU (bn ting Vit).- Tun th cc iu khon ch yu ca Hp ng mu. - Trong qu trnh thc hin hp ng, nu c bt c ni dung no cn sa i/b sung ph lc, Chi nhnh phi xut v/hoc bo co vi Tr s chnh (qua email/in thoi) c xem xt chp thun. Comment by : Nn Chi nhnh ch ng, ch cn m bo nguyn tc: m bo quyn ca BIDV theo Hp ng l c- Quyt nh y quyn ca Ch tch Hi ng qun tr v mu hp ng i l ph BIDV WU ti a ch my ch: ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Gui/Western%20Union/Dai%20ly%20phu%20WESTERN UNION/.d) Bc 4: H tr i l ph hon thin cc th tc xin php Ngn hng Nh nc:- Cn c hp ng ai ly phu a ky, Chi nhnh phi hp vi i l ph lp phng n s dng giy php chi tr ngoi hi/Giy xc nhn iu kin/hoc giy xc nhn ng k hot ng cung ng dch v ngoi hi, trnh Chi nhnh NHNN ti a phng hon thin cc th tc xin php ngn hng nh nc theo ng quy nh hin hnh.- Chi nhnh v i l ph khng thc hin bc 4 trong cc trng hp ai ly phu a co Giy phep chi tra ngoai hi hoc i l ph l cc t chc tn dng (tr Qu tn dng nhn dn). i vi cc trng hp ny, sau khi Chi nhnh k hp ng i l ph WU, Chi nhnh qun l ngh i l ph thng bo v gi bn sao hp ng i l ph cho Chi nhnh NHNN tnh, thnh ph trn a bn trong thi hn 10 ngy lm vic k t ngy k hp ng i l theo quy nh ti Khon 1, iu 1, Quyt nh s 878/2002/Q-NHNN ngy 19/08/2002 ca Ngn hng Nh nc theo mu ti Mu s 13/LP ti Quy nh ny.e) Bc 5: o to v nghip v WU cho i l ph - Chi nhnh qun l trc tip o to v nghip v giao dch WU, nghip v marketing dch v WU v cc vn ci t chng trnh, phng, chng ra tin cho giao dch vin GD i l ph.- WU s gi in kim tra giao dch vin ca i l ph v kin thc nghip v WU, v phng chng ra tin v xem y l iu kin ph duyt h s ln 2 ca i l ph.- Chi nhnh qun l s dng ti liu o to ti a ch my ch: ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Gui/Western%20Union/Tai%20lieu%20dao%20tao/f) Bc 6: Chi nhnh hon thin h s ln 2 ca i l ph trong vng 01 thng v gi cho Tr s chnh ph duyt. B h s bao gm:- Hp ng dch v BIDV- WU Chi nhnh k kt vi i l ph.- Giy php chi tr ngoi t/Giy xc nhn iu kin/hoc giy xc nhn ng k hot ng cung ng dch v ngoi hi do NHNN Chi nhnh tnh chp thun.- Giy ng k kinh doanh ca i l ph b sung lnh vc chi tr ngoi t.- Cam kt tun th phng chng ra tin ca i l ph (Mu s 03/LP).Comment by : Thng nht cc mu theo form ny- Bin bn kim tra im giao dch mi (Mu s 04/LP).- ngh ng k im giao dch mi (Mu s 05/LP).Chi nhnh gi file mm h s ng k i l ph ln 2 vo a ch ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Nhan/WesternUnion/Dangky%D0GDmoi/ v email/gi in thng bo cho cn b u mi dch v WU ti Ban PTNHBL.Sau khi nhn c b h s y t Chi nhnh, Tr s chnh gi h s sang pha WU ph duyt.g) Bc 7: Trang b vt liu tip th WU cho i l ph.Trong qu trnh ch WU ph duyt hp ng, Chi nhnh trang b vt phm tip th, n ch giao dch WU cho ai ly phu theo quy nh ti iu 12 Quy nh ny.h) Bc 8: ng k GD mi, m GDV v m my tnh vo h thng.Sau khi h s ln 2 c ph duyt, Ban PTNHBL gi TTTT ngh ng k GD mi ca i l ph. TTTT ng k mi GD, m my tnh v m GDV cho i l ph trong vng 05 ngy lm vic k t ngy nhn c yu cu ng k hp l t Ban PTNHBL.i) Bc 9: Thng bo m GDV, mt khu cho GD ng k mi thnh cng.- Sau khi ng k GD mi thnh cng, TTTT gi cc thng tin m my tnh, m GDV, mt khu vo a ch email ca Chi nhnh/GDV ng k trn ngh ng k GD mi.- Ban PTNHBL thng bo cho Chi nhnh qun l h tr GD i l ph ci t v ng nhp s dng chng trnh.j) Bc 10: Ci t chng trnh WU cho cc GD i l ph miSau khi nhn c thng bo ca Ban PTNHBL, Chi nhnh ci t chng trnh WU cho LP v ng nhp theo ng cc thng tin nhn c qua email.k) Bc 11: i l ph bt u thc hin giao dch WU.3. Quy trnh ng k i l ph mi trong trng hp Tr s chnh u mi k kt hp ng:a) Bc 1: n v u mi ti Tr s chnh (Ban PTNHBL) tip cn i l ph, gii thiu v cc li ch khi l i l ph cho BIDV v m phn s b v cc ni dung ca Hp ng.b) Bc 2: Ban PTNHBL gi h s i l ph cho WU nh gi, ph duyt.c) Bc 3: Cn c ph duyt ca WU, Ban PTNHBL u mi m phn hp ng i l ph BIDV- WU.d) Bc 4: Ban PTNHBL h tr i l ph hon thnh cc th tc php l (nu cn thit).e) Bc 5: Ban PTNHBL ban hnh cng vn phn giao Chi nhnh qun l GD i l ph v hng dn cc ni dung cng vic cn thc hin.f) Bc 6: o to cho cc GD i l ph. - Chi nhnh qun l trc tip o to v nghip v giao dch WU, nghip v marketing dch v WU v cc vn ci t chng trnh, phng, chng ra tin cho giao dch vin GD i l ph c phn giao qun l.- Trong trng hp cn thit, Tr s chnh s o to tp trung, Chi nhnh c cn b tham gia o to.g) Bc 7: Trang b vt liu tip th WU cho i l ph.- Chi nhnh qun l thc hin trang b vt phm tip th, n ch giao dch WU cho GD i l ph c phn giao qun l.- Trang b vt phm tip th, n ch giao dch WU: Theo iu 12 Quy nh ny.h) Bc 8: ng k GD mi, m GDV v m my tnh vo h thng.- Ban PTNHBL thu thp h s ng k GD i l ph t i l ph/Chi nhnh qun l v gi WU ng k GD mi vo h thng.- Sau khi ng k GD mi thnh cng, TTTT gi cc thng tin m my tnh, m giao dch vin, mt khu vo a ch email ca Chi nhnh/GDV ng k trn ngh ng k GD mi.- Ban PTNHBL thng bo cho Chi nhnh qun l h tr GD i l ph ci t v ng nhp s dng chng trnh.j) Bc 10: Ci t chng trnh WU cho cc GD i l ph mi.Sau khi nhn c thng bo ca Ban PTNHBL, Chi nhnh ci t chng trnh WU cho GD i l ph c phn giao qun l v ng nhp theo ng cc thng tin nhn c qua email.k) Bc 11: GD i l ph bt u thc hin giao dch WU.iu 7. Tm ng ngoi t cho cc i l phTrong trng hp i l ph khng ch ng ngun ngoi t, chi nhnh qun l c php tm ng ngoi t cho cc i l ph. 1. Nguyn tc tm ng:Chi nhnh cn c vo doanh s giao dch pht sinh ca i l ph, cn c kh nng p ng ngoi t tin mt ca n v, cn c mi quan h vi i l phch ng tnh ton li ch tng th t quan h vi i l ph quyt nh ng trc tin gc v mc ng trc cho i l ph.2. Hnh thc m bo:a) Vic tm ng ngoi t phi c trong ni dung hp ng k kt gia BIDV v i l ph. Chi nhnh tham kho ni dung tm ng ti Ph lc 03/LP: Tha thun tm ng gia BIDV v i l ph.b) m bo an ton cho ngn hng, chi nhnh c th ngh i l ph thc hin mt s hnh thc m bo ti chi nhnh (v d: k qu tin mt, cm c giy t c gi, th chp ti sn bo m...).3. Cc trng hp tm ng:a) Tm ng khi i l ph bt u trin khai dch v WU. Chi nhnh qun l tnh ton s ngoi t cn thit chi tr trong mt ngy ca i l ph. Chi nhnh qun l ng trc s ngoi t cn thit cho i l ph chi tr trong mt ngy trn c s i ng vi hnh thc m bo ca i l ph.b) Tm ng cho i l ph s tin m i l ph chi tr cho khch hng trc khi BIDV c WU bo c. Trng hp i l ph chi tr ht s tin tm ng trong ngy, chi nhnh qun l c th tip tc ng trc ngoi t cho i l ph. Chi nhnh qun l yu cu i l ph xut trnh cc chng t nhn tin ng trc (l cc chng t th hin cc giao dch chi tr trong ngy vt qu s tin tm ng), gm:+ Bo co lit k chi tit tt c cc giao dch thc hin chi tr trong ngy giao dch, c k, ng du ca i l ph.+ Cc ho n nhn tin c ch k ca khch hng (cc chng t ny c in t chng trnh giao dch WU).iu 8. ng k mi/thay i thng tin/hy GD, ng k b sung/hy m my tnh, user ID ca i l ph1. Bc 1: Gi h s ng k mi/thay i thng tin/hy GD, ng k b sung/hy m my tnh, m GDV ca i l ph.a) Trng hp ng k GD mi ca i l ph (trong trng hp i l ph c nhiu GD):Chi nhnh qun l phi hp i l ph lp h s ng k mi GD gm:- Bin bn kim tra GD mi (Mu s 04/LP);- ngh ng k GD mi (Mu s 05/LP);- 03 hnh nh GD mi trang b vt liu tip th WU gm: Hnh nh hp n WU treo bn ngoi, quy giao dch bn trong c dn can WU, ca ra vo c dn can WU.Chi nhnh qun l gi file mm b h s vo a ch ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Nhan/WesternUnion/Dangky%D0GDmoi/ v email/gi in thng bo cho cn b u mi dch v WU ti Ban PTNHBL. Ban PTNHBL kim tra h s hp l, ng k vi WU, sau chuyn h s cho TTTT ng k GD mi vo h thng.b) Trng hp thay i thng tin/hy GD ca i l ph:Chi nhnh qun l phi hp i l ph lp ng k thay i thng tin/hy GD (Mu s 05/LP). Chi nhnh gi file mm b h s vo a ch ftp://ftpmb.bidvbank.bidv.com/FTPData/HoiSoChinh/BANPTNHBL/Nhan/WesternUnion/Dangky%D0GDmoi/ v email/gi in thng bo cho cn b u mi dch v WU ti Ban PTNHBL. Ban PTNHBL kim tra h s hp l, sau chuyn h s cho TTTT.c) Trng hp ng k b sung/hy m my tnh, m GDV ca GD i l ph:Chi nhnh qun l phi hp i l ph lp ng k b sung/hy m my tnh, m GDV ca GD i l ph (Mu s 06/LP, Mu s 07/LP). Chi nhnh qun l gi file mm h s ng k b sung/hy m my tnh, m GDV ca im giao dch i l ph cho TTTT vo a ch my ch: ftp://10.53.3.2/TRUNGTAMTHANHTOAN/NHAN/ChuyenTienQuocTe v email/gi in cho cn b dch v WU ti TTTT.2. Bc 2: TTTT ng k mi/thay i thng tin/hy GD, ng k b sung/hy m my tnh, m GDV cho GD i l ph trong vong 05 ngay lam vic k t ngy nhn c yu cu ng k hp l ca Chi nhnh.3. Bc 3: Sau khi nhn c thng bo ca WU v vic ng k mi/thay i thng tin/hy GD, M my tnh, m GDV, TTTT thc hin:a) Trng hp ng k mi/thay i thng tin/hy GD, m my tnh i l ph: - TTTT gi cc thng tin vo a ch email ca Chi nhnh/GDV ng k trn ngh ng k mi/thay i thng tin/hy GD, m my tnh;- Ban PTNHBL thng bo cho Chi nhnh qun l thng bo v h tr GD i l ph:+ Trng hp ng k mi GD/m my tnh: h tr ci t, ng nhp s dng chng trnh.+ Trng hp hy GD/m my tnh: h tr xa phn mm giao dch, thu hi vt liu tip th WU.b) Trng hp ng k mi/thay i thng tin/hy m GDV: TTTT gi thng tin vo a ch email ca GDV ng k trn nghi ng k mi/thay i thng tin/hy m GDV.iu 9. Ci t chng trnh giao dch Western Union ti im giao dch i l ph1. Chi nhnh qun l ti file ci t chng trnh giao dch WU ti a ch my ch: ftp://ftpmb.bidvbank.bidv.com/FTPdata/HoiSoChinh/TRUNGTAMTHANHTOAN/GUI/FILEWUPOS.2.Chi nhnh qun l ci t chng trnh cho GD i l ph theo ti liu hng dn ca TTCNTT ti a ch my ch: ftp://ftpmb.bidvbank.bidv.com/FTPData/TTCNTT/DVKT3/Gui/wu /WUPOS.iu 10. ng k GD i l ph thc hin giao dch gi ng k thc hin giao dch gi tin cho GD i l ph, Chi nhnh qun l thc hin cc bc sau:1. Bc 1: Chi nhnh qun l thc hin:a) Gi ngh cp hn mc giao dch gi (Mu s 10/LP) v Tr s chnh (Ban PTNHBL).b) Trang b vt liu tip th giao dch gi tin cho GD i l ph. 2. Bc 2: Ban PTNHBL kim tra h s hp l, chuyn TTTT thc hin ng k vo h thng.3. Bc 3: TTTT thc hin ng k GD i l ph thc hin giao dch Gi trong vng 5 ngy lm vic, thng bo kt qu cho chi nhnh qun l v Ban PTNHBL.4. Bc 4: Chi nhnh qun l h tr o to GD i l ph thc hin giao dch gi.5. Bc 5: GD i l ph bt u thc hin giao dch gi WU. iu 11. Hng dn thc hin giao dch Western Union ti im giao dch i l phChi nhnh qun l hng dn v phi hp vi i l ph thc hin nghip v WU theo cc ni dung hng dn ti Quy nh s 1498/Q-TTTT ngy 29/03/2013 v Nghip v chuyn tin qua WU.iu 12. X l li/thng bo trn chng trnh giao dch WU ti GD i l ph1. GDV GD i l ph cn c vo ni dung thng bo/hng dn trn mn hnh chng trnh giao dch WU x l thch hp hoc ngh TTTT h tr x l li/thng bo.2. Trng hp GD ngh TTTT h tr x l li/thng bo thc hin nh sau:a) GD lp ngh x l li/thng bo trn chng trnh giao dch WU (Mu s 08/LP) v fax/scan gi cho Chi nhnh qun l gi TTTT, hoc gi trc tip cho TTTT.b) TTTT x l li hoc gi ngh WU x l li.c) Sau khi x l thnh cng/nhn c xc nhn x l thnh cng ca WU, TTTT thng bo kt qu x l li cho GD i l ph qua email ca GDV. iu 13. Thanh ton tin cho cc giao dch WU ca i l ph1. Nguyn tc quyt ton giao dch WU cho i l ph:BIDV thanh ton cho cc i l ph tng s tin gc v ph c hng/phi tr cho cc giao dch gi v nhn theo nguyn tc: s tin thanh ton (bo c/bo n) l s chnh lch gia tng s tin bo c cho cc giao dch nhn v tng s tin bo n cho cc giao dch gi, c th:a) Trong trng hp tng s tin BIDV phi thanh ton cho i l ph i vi giao dch nhn tin ln hn s tin i l ph phi thanh ton cho BIDV i vi giao dch gi tin, BIDV s bo c phn chnh lch vo ti khon tin gi thanh ton cho i l ph.b) Trong trng hp tng s tin i l ph phi thanh ton cho BIDV i vi giao dch gi tin ln hn tng s tin BIDV phi thanh ton cho LP i vi giao dch nhn tin, BIDV s trch n ti khon tin gi thanh ton ca LP phn chnh lch.2. Thi hn thanh ton:BIDV quyt ton giao dch WU cho i l ph trong ngy BIDV nhn c in bo c/bo n t Ngn hng Nostro cho cc giao dch WU do BIDV v cc i l ph ca BIDV thc hin hoc theo tha thun khc trong hp ng i l ph gia BIDV v i l ph.3. Loi tin thanh ton:a) Tin gc thanh ton bng USD hoc VND tng ng vi loi ngoi t ca giao dch thc hin.b) Tin ph thanh ton bng USD hoc VND, ty theo tha thun trong hp ng gia BIDV v i l ph. Trng hp ph thanh ton l VND, t gi p dng l t gi mua USD/VND ca BIDV ti thi im BIDV thanh ton cho i l ph.4. Quy trnh thanh ton cc giao dch Western Union ca i l ph:a) Chi nhnh qun l thc hin thanh ton cc giao dch WU ca GD i l ph theo hng dn hch ton ca Ban K ton tng thi k. b) Khi c pht sinh chnh lch gia s tin BIDV thanh ton cho i l ph vi s tin cc giao dch thc hin ti GD i l ph, Chi nhnh qun l lin h vi Ban K ton/TTTT phi hp gii quyt.iu 14. Trang b phng tin tip th dch v WU v thc hin chng trnh khuyn mi cho i l ph1. Nguyn tc: Chi ph lin quan ti trang b phng tin tip th v thc hin chng trnh khuyn mi cho im giao dch i l ph c hch ton vo chi ph ti Chi nhnh.2. Trang b phng tin tip th dch v WU: a) Phng tin tip th gm c: - Hp n WU;- Phiu nhn tin WU;- T ri gii thiu chung v dch v chuyn tin WU;- can WU dn ti quy giao dch;- can WU dn ti ca ra vo GD;- can hng dn thc hin giao dch WU;- T ri gii thiu v cc chng trnh khuyn mi hin c (khi thc hin chng trnh khuyn mi).b) Chi nhnh qun l hon thin vic cung cp tt c cc phng tin tip th dch v WU cho GD i l ph trc khi GD i l ph chnh thc i vo hot ng.c) nh k, nu c thay i v ti liu tip th (mu mi theo quy nh ca WU do Tr s chnh thng bo), Chi nhnh qun l t chc in theo mu v cung cp li cho i l ph. d) Khi hp n b hng hoc cc ti liu tip th ht v cn cung cp thm, i l ph lin h vi Chi nhnh qun l c trang b trong vng 10 ngy lm vic k t ngy c ngh t pha i l ph.e) Chi nhnh tham kho hng dn mu vt liu tip th WU ti Cng vn s 3415/CV-NHBL4 ngy 27/09/2012 v vic hng dn cp nht vt liu tip th WU nm 2012.3. Thc hin chng trnh khuyn mi cho khch hng v chng trnh khuyn khch cho Giao dch vin:a) i l ph c hng cc quyn li nh mt im chi tr WU ca BIDV v c tham gia cc chng trnh khuyn mi ca BIDV. b) Khi thc hin chng trnh khuyn mi, cn c thng bo ca Tr s chnh, Chi nhnh qun l chu trch nhim thng bo cho i l ph chi tit ni dung chng trnh v cung cp cc sn phm khuyn mi v vt liu tip th ca chng trnh cho i l ph trc t nht 5 ngy lm vic k t khi bt u chng trnh khuyn mi.c) i l ph da trn ni dung chng trnh do BIDV xy dng trin khai:- Trang b vt liu tip th chng trnh ti im giao dch- Thc hin tip th gii thiu chng trnh/sn phm ti khch hng ti im giao dch.- Trin khai truyn thng qua cc knh truyn thng ni b, phng tin truyn thng i chng tip th cho chng trnh.d) i vi cc chng trnh khuyn khch dnh cho GD/GDV WU trong ni b ca BIDV, cn c thng bo ca Tr s chnh, Chi nhnh qun l thng bo cho i l ph cc tiu ch t gii thng. Nu GD/GDV ca i l ph t gii theo chng trnh, Tr s chnh s chuyn gii thng ti Chi nhnh qun l Chi nhnh chuyn cho GD/GDV t gii ca i l ph.e) i vi i l ph ngh trang b phng tin tip th c thm logo ca i l ph, Chi nhnh bo co v Ban PTNHBL x l. Chi nhnh lu , cc i l ph ny phi c ti thiu 20 GD tr ln v cc iu kin khc nh doanh s, ph (nu c) trong qu trnh xem xt. iu 15. Kim sot hot ng phng, chng ra tin i vi giao dch WU ca i l ph Chi nhnh qun l l n v u mi lm vic vi i l ph v vic phng, chng ra tin i vi giao dch WU do i l ph thc hin:1. Cung cp ti liu phng, chng ra tin cho i l ph: a) i vi i l ph do Tr s chnh u mi k kt hp ng: - Trong trng hp i l ph c quy nh ring v phng, chng ra tin (thng thng l i l ph ngn hng), Ban PTNHBL ngh i l ph cung cp ti liu v quy nh phng chng ra tin ca i l ph, yu cu i l ph m bo cc GD i l ph thc hin giao dch WU theo ng quy nh ny.- Trong trng hp LP khng c quy nh ring v phng, chng ra tin, Ban PTNHBL u mi gi i l ph quy nh phng, chng ra tin cho i l ph ca BIDV v yu cu i l ph m bo cc GD i l ph thc hin giao dch WU theo ng quy nh ny.b) i vi i l ph do Chi nhnh u mi k kt hp ng: Chi nhnh u mi gi i l ph quy nh phng, chng ra tin cho i l ph ca BIDV v yu cu i l ph m bo cc GD i l ph thc hin giao dch WU theo ng quy nh ny.2. Kim sot hot ng phng, chng ra tin ca i l ph:a) Chi nhnh qun l thc hin bo co tng hp v thng tin giao dch ng ng theo Quy nh s 3246/Q-QLRRTT ngy 18/06/2013 ca Tng Gim c v phng, chng ra tin, gi Ban QLRRTT&TN kim sot v c a ra hng dn v cch thc x l.b) Nu GD i l ph vi phm quy nh phng chng ra tin ca Ngn hng Nh nc Vit Nam, ca BIDV v ca WU i vi giao dch WU do i l ph thc hin, Chi nhnh qun l lin h ngay vi Ban QLRRTT&TN v Ban PTNHBL c hng dn phi hp x l.3. Kim tra thc t tnh tun th ca i l ph phi ngn hng:Chi nhnh qun l kim tra thc t cc i l ph phi ngn hng do Chi nhnh u mi k kt hp ng t nht 1 nm/ln. Ni dung kim tra nh sau:a) Kim tra h s php l: Hiu lc ca Giy php chi tr ngoi t ca i l ph.b) Kim tra an ton giao dch: im giao dch phi c quy knh phn cch gia quy giao dch v khch hng, ca ra vo c an ton, c kt st/camera ti im giao dch.c) Kim tra quy trnh chi tr: i l ph c thc hin ng quy trnh chi tr dch v WU khng. d) Kim tra chng t giao dch: Kim tra cc thng tin khch hng c in y khng, i l ph c lu tr h s theo quy nh khng.e) Kim tra tnh tun th phng chng ra tin: i l ph c tun th cng tc nhn bit khch hng nghi ng khng, c thc hin bo co giao dch ng ng cho Chi nhnh qun l khng. Trong trng hp i l ph c du hiu nghi ng, Chi nhnh qun l c bo co ngay v Ban QLRRTT&TN v Ban PTNHBL phi hp x l.iu 16. Qun l hiu qu mng li i l ph1. Xy dng k hoch kinh doanh:nh k hng nm, i vi cc i l ph do Chi nhnh u mi k kt hp ng, Chi nhnh phi hp vi i l ph xy dng k hoch kinh doanh (k hoch v doanh s, s giao dch, s ph, k hoch pht trin mng li, hiu qu giao dch.) nhm nh hng hot ng kinh doanh dch v WU trong nm. i l ph c xy dng k hoch kinh doanh v chi tit mu xy dng k hoch kinh doanh do Tr s chnh thng bo tng thi k.2. Qun l hiu qu mng li i l ph:a) Chi nhnh qun l thng xuyn h tr v nghip vu va cung cp vt liu tip thi WU (nu cn) theo ngh ca i l ph v gim st hot ng ca i l ph nng cao hiu qu hot ng ca i l ph (c th tin hnh o to li nu cn thit). b) Chi nhnh qun l phn loi i l ph theo mc thu ph v tn sut giao dch v nh gi nh k hiu qu hot ng ca i l ph (nh gi sau 3 thng v 6 thng hot ng ca i l ph):- Chi nhnh qun l nh gi chi ph u t v duy tr im i l ph v thu nhp mang li.- Nu theo tnh ton sau 1 nm trin khai, i l ph khng b p c chi ph u t ban u v chi ph duy tr i l ph, Chi nhnh quyt nh tip tc duy tr i l ph (nu thy c tim nng trong tng lai) nhng cn chn chnh li hot ng; hoc chm dt hot ng ca im giao dch i l ph khng hiu qu; hoc chm dt hp ng i l ph. Vic quyt nh tip tc duy tr hay chm dt hot ng ca GD i l ph, chm dt hp ng i l ph phi c phi hp gia Chi nhnh qun l v Tr s chnh.Comment by : Phi hp nh th no, c cn bo co Tr s chnh chp thun khng?- Tiu ch, cng thc nh gi hiu qu hot ng ca i l ph (Chi nhnh tham kho quy nh ti Ph lc 02/LP: nh gi hiu qu GD i l ph).3. o to giao dch vin i l ph:a) o to trc tip: nh k hng nm, Chi nhnh qun l o to, cp nht cc thng tin v th trng, nghip v, phng chng ra tin cho giao dch vin i l ph.b) o to online: Chi nhnh qun l khuyn khch GD i l ph tham gia chng trnh o to online ca WU (hng dn ti cng vn s 72/CV-NHBL3 ngy 03/03/2011).4. Hy GD i l ph, hy hp ng i l ph:Comment by : Kim tra Hp ng i l ph c iu khon chm dt koa) Chi nhnh qun l, Tr s chnh c quyn hy b GD i l ph hoc chm dt hp ng i l ph trong cc trng hp sau:- GD i l ph hay i l ph c vi phm cc vn lin quan n tun th phng chng ra tin.- GD i l ph hay i l ph hot ng khng hiu qu, trong mt nm khng pht sinh giao dch.- i l ph vi phm cc iu khon trong hp ng i l ph vi BIDV.b) Trng hp Chi nhnh quyt nh hy b GD ca i l ph hoc hy hp ng giao dch i l ph, Chi nhnh thc hin cc bc sau:- Thng bao bng vn bn cho Tr s chnh ng ky huy bo GD v user ID ca ai ly phu vi WU;- Thanh l hp ng i l ph;- Xoa phn mm giao dch WU, thu hi vt liu tip thi WU cua GD ai ly phu u t cho im khac;- Yu cu i l ph tun th iu khon v c quyn trong hp ng i l ph.c) Trng hp Tr s chnh quyt nh hy b GD ca i l ph hoc chm dt hp ng i l ph:- i vi i l ph do Tr s chnh u mi k kt hp ng:+ Tr s chnh thc hin cc th tc thanh l hp ng, hy b GD v m GDV ca i l ph vi WU.+ Tr s chnh c vn bn thng bo Chi nhnh v vic chm dt hp ng i l ph.- i vi trng hp i l ph do Chi nhnh u mi k kt: + Tr s chnh c thng bo bng vn bn cho Chi nhnh v ng k hy b GD v m GDV ca i l ph vi WU.+ Chi nhnh thanh l hp ng i l ph;+ Chi nhnh xoa phn mm giao dch WU, thu hi vt liu tip thi WU cua GD ai ly phu u t cho im khac;+ Chi nhnh yu cu i l ph tun th iu khon v c quyn trong hp ng i l ph.iu 17. X l vi phmNhng trng hp vi phm quy nh ny v cc quy nh khc ca php lut, ca Hp ng i l WU c lin quan, tu theo tnh cht, mc vi phm m c nhn, tp th c hnh vi vi phm s b x l theo quy nh ca BIDV v ca php lut. Chng III IU KHON THI HNHiu 18. Hiu lc 1. Quy nh ny c hiu lc sau 15 ngy k t ngy k. 2. Quy nh ny thay th Quy nh s 5190/Q-PTSPBL2 ngy 11/10/2010 ca Tng Gim c v pht trin v qun l i l ph Western Union.3. Cc quy nh khc tri vi Quy nh ny ht hiu lc thi hnh.iu 19. T chc thc hinChnh vn phng, K ton trng, Gim c cc n v: Trung tm thanh ton, Ban K ton, Ban PTNHBL,Ban QLRRTT&TN, TTCNTT v Gim c cc Chi nhnh v cc n v, c nhn c trch nhim t chc thc hin Quy nh ny.iu 20. Sa i, b sung, thay th Vic sa i, b sung, thay th Quy nh ny do Tng Gim c quyt nh.Ni nhn ( bn):- Nh iu 19 (Intranet);- HQT, Ban iu hnh (qua email b/c);- Ban KT&GS (qua email);- Lu VP, PTNHBL.KT. TNG GIM CPH TNG GIM C

( k)

Phm Quang Tng

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Ph lc 01/LPDANH SCH A BN HN CH PHT TRIN I L PH PHI NGN HNG

TT.TNH1. Bc Giang2. Bc Ninh3. H Tnh4. Hi Dng5. Hng Yn6. Nam nh7. Ngh An8. Ph Th9. Qung Bnh10. Thi Bnh11. Thi Nguyn12. Thanh Ha

Ph lc 02/LPNH GI HIU QU IM GIAO DCH I L PH

1. Tiu ch nh lng:Chi nhnh qun l tnh ton m bo hon vn u t cho im giao dch i l ph trong vng 1 nm. Cn c tnh:a) Chi ph u t cho 1 im giao dch i l ph (Tng chi ph), bao gm:Comment by : Ri qu, ngh nh li sau 1 l a, tip theo l gch u dng, tip theo l cng- Chi ph trang b vt liu tip th (hp n, t ri, can dn ca...).- Chi ph cung cp qu tng khuyn mi.- Chi ph cung cp mu chuyn tin WU.- Chi ph h tr khc (nh h tr tc nghip, o to...)b) Thu nhp t im giao dch i l ph 1 nm (Tng thu nhp/ nm): l ph Chi nhnh qun l c hng t vic chia s ph vi im giao dch i l ph trong 1 nm.Nu:- Tng thu nhp/nm > Tng chi ph tip tc duy tr.- Tng thu nhp/nm Tng chi ph xem xt duy tr im giao dch- Tng thu nhp/nm = 0 ngh ng ca im giao dch 2. Tiu ch nh tnh: a) i l ph ch trng ti dch v chuyn tin WU (Giao dch vin tch cc tip th khch hng, cung cp t ri cho khch hng ti im giao dch....)b) Giao dch vin ca i l ph khng xy ra sai st trong qu trnh thao tc nghip v (nhng sai st do nguyn nhn ch quan t pha Giao dch vin). C th:- Tr nhm tin cho ngi nhn khc (tr trng hp thng tin chuyn tin m ngi nhn cung cp chnh xc v giy t tu thn hp l). - C phn nn t pha khch hng v thi v cht lng phc v ca Giao dch vin (Chi nhnh nhn c phn nh).- Cc li khc c nh hng n quyn li, uy tn ca BIDV v WU (vi phm quy nh phng chng ra tin, tm kim thng tin khch hng trc li,).c) im giao dch i l ph c v tr thun li cho dch v kiu hi (tp trung ng gia nh ngi lao ng xut khu, c du ly chng nc ngoi, Vit kiu...)

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Ph lc 03/LPTHA THUN TM NG GIA BIDV V I L PH1. S tin tm ng:1.1 Nhm h tr i l ph c ngun ngoi t chi tr cho Ngi nhn ti a im quy nh ti Ph lc 2 Hp ng ny, Cng ty s tm ng khng tnh li cho i l ph mt khon ngoi t vi tng gi tr ti a tng ng . USD (Bng ch: ), sau y gi l Tin tm ng.1.2 Vic tm ng ch c thc hin sau khi i l ph hon tt vic k qu quy nh ti Mc 2 Ph lc ny. 2. Bin php bo m:2.1 Cng ty m mt ti khon tin gi khng k hn cho i l ph ti Cng ty (sau y gi l Ti khon k qu). i l ph phi gi mt khon tin Vit Nam ng tng ng .. USD (theo t gi ti thi im k qu/.) vo Ti khon k qu (sau y gi l S tin k qu).2.2 S tin k qu khng c hng li sut tin gi trong sut thi gian k qu theo Hp ng ny.2.3 Ti khon k qu s b Cng ty phong ta trong sut thi gian hiu lc ca Hp ng ny v ch c Cng ty gii ta, hon tr cho i l ph sau khi i l ph hon tt ton b cc ngha v i vi Cng ty.2.4 Trng hp i l ph vi phm ngha v i vi Cng ty theo Hp ng ny (bao gm nhng khng gii hn ngha v hon tr Tin tm ng v cc chi ph c lin quan), Cng ty c quyn khu tr S tin k qu thu hi n.2.5 Trong trng hp cn thit, vic k qu ca i l ph c th c lp thnh Hp ng k gia hai bn.3. Qun l tin tm ng:3.1 Tin tm ng c chi cho i l ph theo hnh thc nhn tin mt hoc chuyn khon vo ti khon ngoi t s . ca i l m ti Cng ty. Cc chng t nhn tin tm ng, chuyn khon Tin tm ng l mt phn khng tch ri ca Hp ng ny. 3.2 i l ph ch c s dng Tin tm ng chi tr cho Ngi nhn nh quy nh ti Mc 1 Ph lc ny.3.3 Chm nht t ngy 20/12 n ngy 31/12 hng nm, i l ph phi hon tr Tin tm ng cho Cng ty bng USD. Trng hp i l ph chm hon tr, Cng ty c quyn p dng mc li pht bng li sut n qu hn m Cng ty p dng i vi t chc kinh t ti thi im chm tr, tnh trn s tin chm tr v s ngy chm tr ca i l ph.3.4 Trong khong thi gian t ngy 01/01 n ngy 10/01 hng nm, trn c s yu cu ca i l ph v vic hon tr Tin tm ng ca i l ph c ph hp quy nh ti Mc 3.3 Ph lc ny hay khng, Cng ty s xem xt chuyn Tin tm ng cho i l ph nh quy nh ti Ph lc ny cho nm tip theo.3.5 Trc khi chm dt Hp ng ny, i l ph phi hon tr ton b Tin tm ng cho Cng ty bng USD. Trng hp i l ph chm hon tr, Cng ty c quyn p dng mc li pht nh quy nh ti Mc 3.3 Ph lc ny, x l S tin k qu nh quy nh ti Mc 2.4 Ph lc ny, hoc p dng cc bin php cn thit theo quy nh ca php lut thu hi n.

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Mu s 01/LP BO CO PHN TCH NNG LC I L PH1. Thng tin v doanh nghip v ch doanh nghip:- Thng tin c bn v doanh nghip: nm thnh lp, ngnh ngh kinh doanh, vn ch s hu, a im hot ng, mng li hot ng- Thng tin c bn v ch doanh nghip: tn, s CMND, ngh nghip

2. Kh nng pht trin: Nu ra cc li th v tim nng ca i l ph v pht trin dch v WU nh:- Li th v a bn- Li th v a im- Li th v khch hng- Li th v uy tn ca doanh nghip..

3. iu kin an ton, trang thit b:- i l ph c p ng y cc yu cu v an ton, trang thit b hay cha (c y thit b an ton nh kt st, camera ghi hnh)- iu kin v nhn vin giao dch: trnh nhn vin giao dch, hiu bit v php lut, v dch v WU.

4. Ngun vn v phng n kinh doanh ca i l ph- Thng tin v ngun vn ca i l ph: ng tin chi tr (VND/USD), ngun tin chi tr (vn t c/tm ng).- Thng tin v phng n kinh doanh ca i l ph.

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Mu s 03/LPCAM KT TUN TH PHNG CHNG RA TIN CA I L PHKnh gi: - Ngn hng TMCP u t v Pht trin Vit Nam (BIDV)- Cng ty Western Union (WU)CAM KT TUN TH QUY NH THC HIN DCH V WESTERN UNIONTi tn .. (CMND s .), ch doanh nghip t nhn Tnh/Thnh.., l i l ph trc thuc Ngn Hng.. Ti xin cam kt tun th quy trnh nghip v v tun th php ch sau:* Quy Trnh Nghip V Chi Tr (Inbound):+ S dng cc biu mu hp l c cung cp cho giao dch chi tr v ghi nhn tt c cc thng tin yu cu bt buc theo qui nh Thng T 22 ca NHNN. + Kim tra v chi tr cho khch hng xut trnh Giy t nhn dng nh Chng Minh Th/H Chiu hp l v y thng tin theo qui trnh chi tr nghip v ca Western Union (MTCN-M S Chuyn Tin, Tn Ngi Gi, S Tin Gi, Nc Gi).+ Nhp liu y , chnh xc cc thng tin yu cu nhn dng theo qui nh Thng T 22 ca NHNN.+ Thc hin sao chp giy t nhn dng theo tng giao dch.+ Thc hin vic lu gi cc chng t theo qui nh ca Ngn Hng. * Quy Trnh Tun Th/Phng Chng Ra Tin:+ Thc hin vic nhn dng khch hng theo giy t nhn dng hp l xut trnh (CMT: 15 nm, h chiu)+ Thc hin vic bo co cho Trung tm CSC ca ngn hngv cc giao dch bt thng v ng ng sau y: Giao dch c gi tr tin mt ln hay bt thng (tng gi tr giao dch trong ngy t 200 triu ng/khch hng) Giao dch chia nh (Split) Giao dch cu trc (Structured) Giao dch chuyn tip (Flipped)* Quy nh an ninh v an ton h thng:+ Tun th quy nh an ninh h thng: khng tra sot giao dch, khng tm kim giao dch/thng tin tr khi c yu cu chi tr + Nhp liu chnh xc v y thng tin bt bucTi hon ton chu trch nhim v cam kt ny, nu vi phm s tun theo x l ca Ngn Hng..& Western Union.Ni nhn:- Nh trn- Lu________, Ngy thng . nm 2013Ch DNTN xxxxxxxxxxxxxx(k, ghi h tn v ng du

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Mu s 05/LPTN I L PHGD: ..

CNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phc Ngy...........thng...........nm.

NGH NG K MI/THAY I THNG TIN/HY IM GIAO DCH WESTERN UNIONKnh gi: - Ban Pht trin Ngn hng bn l- Trung tm Thanh ton ngh . (Ban PTNHBL/Trung tm Thanh ton) (ng k mi/thng bo thay i thng tin/hy) GD WU nh sau: GD: (Ghi r tn) Thi gian lm vic ca GDa ch ca GD, email ca Chi nhnh ( gi thng tin v GD: M my tnh khi ng k mi, thay i thng tin v GD)in thoiFax

T2 - T6T7- CN

Gi m caGi ng caGi m caGi ng ca

.

.......

- Trng hp thay i: (ghi r thng tin cn thay i) - Trng hp ng k mi GD: + Phn quyn giao dch:Thc hin giao dch nhn

Thc hin giao dch gi (Nu ng ky chc nng ny, Chi nhnh gi km ngh cp/iu chnh hn mc giao dch gi Mu s 10/LP)

+ S lng M my tnh:+ Danh sch cc GDV: STTH v tnin thoiEmail (Bt buc - nhn User ID v Mt khu)

1......

Xc nhn ca cp c thm quyn ca Chi nhnh qun l(K, h tn, ng du)Ph duyt ca cp c thm quyn ca i l ph(K, h tn, ng du)

TN I L PHGD: ..

CNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phcNgy.........thng.........nm..

Mu s 06/LP NGH NG K B SUNG/HY M MY TNH CHO GDKnh gi: Trung tm Thanh ton NH TMCP T & PTVN ngh Trung tm Thanh ton .(ghi b sung hoc hy) M my tnh cho GD sau: GD: + Tn GD:+ a ch GD:+ Email: - S lng M my tnh b sung (trng hp b sung):- Cc M my tnh cn hy: (ghi r M my tnh cn hy Trng hp hy):

Xc nhn ca cp c thm quyn ca Chi nhnh qun l(K, h tn, ng du)

Ph duyt ca cp c thm quyn ca i l ph(K, h tn, ng du)

Mu s 07/LPTN I L PHGD: ..

CNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phc

Ngy.........thng.........nm..

NGH NG K B SUNG/THAY I THNG TIN/HY GIAO DCH VIN WESTERN UNIONKnh gi: Trung tm Thanh ton NH TMCP T & PTVN ngh Trung tm Thanh ton ng k GDV s dng chng trnh theo danh sch sau:- im chi tr: (Ghi r tn v a ch ca GD)- Danh sch cc GDV:

STTH v tnM GDV (Trng hp thay i thng tin/hy)Emailin thoi Ghi ch (Ghi ng k mi/thay i thng tin/hy, ghi r ni dung thay i/hy)

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Xc nhn ca cp c thm quyn ca Chi nhnh qun l(K, h tn, ng du)

Ph duyt ca cp c thm quyn ca i l ph(K, h tn, ng du)

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Mu s 08/LP NGH X L LI/THNG BO TRN CHNG TRNH GIAO DCH WUKnh gi: Trung tm Thanh ton NH TMCP T & PTVNPhn dnh cho GD1. Thng tin v GD:-Tn GD:- a ch: - M GDV: Email ca GDV: - M my tnh: .2. Li chng trnh: (Trch nguyn vn ni dung li/ thng bo bng ting Anh trn Chng trnh giao dch WU)..3. Ni dung ngh: Reset M my tnh Reset Mt khu

Gii toa giao dch nhn

4. Thng tin v giao dch (trng hp ngh gii toa giao dch nhn):- MTCN:- H v tn Ngi nhn:- Ngy sinh:. Ni sinh:- a ch:. in thoi:- Giy t ty thn s:Ngy cp:..Ni cp:Giao dch vin(K, ghi ro h tn)

Phn dnh cho TTTT:Thi gian thc hin: ...gi... ngy....thngnm.

Kt qu thc hin: [ ] Thnh cng [ ] Khng thnh cngL do: Giao dch vin(K, ghi ro h tn)

Mu s 09/LPI L PH:GD: ..

CNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phcNgy.........thng.........nm..

GIY NGH THC HIN GIAO DCHKnh gi: Trung tm Thanh ton NH TMCP T & PTVN

1. Thng tin v giao dch: - MTCN (nu c): .- Ngy thc hin: .//.- S tin: Tin t:...- H v tn khch hng: ...- S CMT/H chiu: Ngy cp: ../../. Ni cp:2. Loi giao dch ngh thc hin: Thc hin giao dch Nhn Khi phc giao dch Hon tr giao dch Hy giao dch

Thc hin giao dch Gi Nng Hn mc tm thi Ph duyt h s giao dch vt Gii hn gi iu chnh giao dch

3. H s gi km: - 4. Ni dung iu chnh/l do khi phc, hy, hon tr giao dch/gi tr cn nng Hn mc tm thi (Trong trng hp iu chnh/khi phc, hy, hon tr giao dch/nng Hn mc tm thi)...GDV(K, h tn)

Ph duyt ca ngi c thm quyn(K, h tn, ng du)

Nu ngh thc hin giao dch qua GD khc cng h thng i l ph/qua TTTT, cung cp cc thng tin sau:User ID ca GDV: Password: M my tnh:

Thng bo ni dung thc hin (dnh cho TTTT): Ngy thc hin:..//.. hon tr giao dch hy giao dch khi phc giao dch iu chnh giao dch nng Hn mc tm thi ph duyt h s giao dch

GDV(K, h tn)Kim sot vin(K, h tn)

Mu s 10/LPI L PH:GD: ..


Ngy.........thng.........nm..

NGH CP/IU CHNH HN MC GIAO DCH GIKnh gi: Trung tm Thanh ton NH TMCP T & PTVN1. Thng tin v GD:- Tn GD: - a ch: - in thoi2. Yu cu cp/nng Hn mc: - Hn mc ngy (ghi r gi tr Hn mc cn ci t - USD):- Hn mc giao dch (ghi r gi tr Hn mc cn ci t - USD):3. L do cn cp/nng Hn mc:Xc nhn ca Gim c Chi nhnh u mi(K, h tn)

Ph duyt ca cp c thm quyn ca i l ph(K, h tn)

Dnh cho TTTT:1. Thng tin v Hn mc c cp/iu chnh:- Hn mc ngy:- Hn mc giao dch:2. Ghi ch (nu c):Cn b thc hin(K, h tn)Gim c TTTT(K, h tn)

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Mu s 11/LPCNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phc

GIY NGH THC HIN GIAO DCH WU DNH CHO KHCH HNG/CUSTOMER REQUEST FORM)Knh gi/To: Ngn hng TMCP T & PTVN Chi nhnh./Joint Stock Commercial Bank for Investment and Development of Vietnam, Branch:.1. Thng tin v khch hng/Customers Information:- H v tn/Full name:.- Giy t ty thn s/ID No.Ngy cp/IssueDate:..Ni cp/ID Issuer:- a ch/Address: in thoi/Tel:2. Thng tin v giao dch/Transaction Details:- MTCN: Loi tin, S tin/Amount:..- Ngy thc hin/Transaction date:- H tn Ngi gi/Senders Full Name:- H tn Ngi nhn/Receivers Full Name:3. Ni dung ngh/Requirement: Hon tr giao dch gi (tin gc, khng gm ph chuyn tin)/Refund sent amount (without send charge) L do hon tr giao dch gi/Reason for Refund

[ ] Khi phc giao dch/Reinstate transaction*L do khi phc giao dch nhn/Reason for Reinstatement

[ ] Tra sot v lm mi li giao dch/renew transactions

iu chnh giao dch/Amend transaction details- Thng tin c/Old information ..

Ni dung iu chnh (trng hp ngh iu chnh giao dch)/Details of Amendment:- Thng tin mi/Correct Information:.

* BIDV khng cam kt v vic ngh khi phc/lm mi li giao dch ca khch hng c chp nhn. Khch hng c th phi chu ri ro v s tin nhn c sau khi khi phc giao dch do chnh lch t gi/BIDV do not make commitment on whether transaction will be successfully reinstated/renew or not. Customer might get lost on amount received after the reinstatement due to possible differences of exchange rate.Ngy/Date...... thng/month...... nm/yearKhch hng (K, ghi r h tn)Customer (Signature and full name)

BIDV thng bo ni dung thc hin/BIDV confirmation:Thi gian thc hin/Time: ...gi/hour....ngy/date...thng/monthnm/year..

Kt qu thc hin/Result:Giao dich vin/Teller(K,ghi ro h tn)Kim sot vin/Supervisor(K, ghi ro h tn)

Mu s 12/LPPHIU THNG TIN GIAO DCH VT GII HN GILARGE PRINCIPAL MONEY TRANSFER FORMSending Agent Information/Thng tin ca im giao dch gi tin: (Dnh cho Ngn hng)Country/Tn nc:Network Agent/M ca i l:

Agent Account Number/M ti khon:Operator name & ID/Tn v m GDV:

E-mail address/a ch email ca GDV:Phone #/S in thoi:

Transaction Information/Thng tin v giao dch: (Dnh cho Ngi gi)Send Amount/S tin chuynLocal currency/Tin bn t: U.S. Dollars:

Destination City, State and /or Country:Thnh ph, bang, quc gia ni n:Expected Payout Date:Ngy nhn tin mong mun:

Source of the funds/Ngun tin s dng chuyn:

Purpose of the transfer (Briefly explain purpose):Mc ch chuyn tin (m t ngn gn):PRIVATE/Mc ch c nhnBUSINESS/Mc ch kinh doanh

Is the sender aware of the charges & F/X rates; and agree to them?Ngi gi bit v ng v ph chuyn tin v t gi quy i tin t?Yes No

Did you check the country restriction on the F2 zoom? Ngi gi tin c thng bo cc quy nh hn ch ca nc gi, nc nhn hay cha? Yes No

Relationship between sender and receiver/Mi quan h gia ngi gi tin v ngi nhn tin:

Sender Information/Thng tin ca ngi gi: (Dnh cho Ngi gi)Senders name/Tn ngi gi First/Tn: Last/H:

Address/a ch:

Telephone number/S in thoi:

Date of birth/Ngy sinh:Place of birth/Ni sinh:

Senders Type of ID/Loi giy t ty thn:Senders ID number/S giy t ty thn:

Issue Date/Ngy cp:Expiration date/Ngy ht hn:

Occupation/Ngh nghip:

How many Transfers have you sent by Western Union in the past three months?Trong 3 thng gn y ngi gi thc hin bao nhiu giao dch gi tin WU?

Payee Information/Thng tin ca ngi nhn: (Dnh cho Ngi gi)Receivers Name/Tn ngi nhn:

ID Type/Loi giy t ty thn:ID number/S giy t ty thn:

Payees Telephone number/S in thoi ca ngi nhn: Nationality/Quc tch:

Payees street address/a ch ca ngi nhn:

THIRD PARTY DETAILS/Thng tin v Bn th ba: (Dnh cho Ngi gi)Is the transaction being conducted on behalf of a third party? If Yes, complete the information below.Giao dch c c thc hin thay mt cho mt bn th ba hay khng? Nu c, hy in cc thng tin di y

First/Last/or Business Name/Tn:ID number/S giy t ty thn:

Address/a ch:Phone #/S in thoi:

Date of Birth/Ngy sinh:Country of Birth/Ni sinh:

ID Type/Loi giy t ty thn:ID number/S giy t ty thn:

Occupation/Ngh nghip:EIN/Tax or Charity license number (for business)/M s thu (nu l bn th ba l doanh nghip):

FOR WESTERN UNION USE ONLY (Dnh cho WU)MONEY TRANSFER CONTROL NUMBERSPrincipal: _________Fee: _________MTCN: _________Total Principal:_____Total Fee: ________Total Principal & Fee: _____

IROC Specialist:

Approved by: Title: Date: Declined by: Title: Date:

Lu : Cc thng tin phi c khai bo bng ting Anh

Mu s 13/LPTHNG BO GI CHI NHNH NGN HNG NH NCTN I L PHGD: ..


Ngy.........thng.........nm..

Knh gi: Chi nhnh Ngn hng Nh nc tnh/thnh ph.Thc hin quy nh ca Ngn hng Nh Nc ti Quyt nh s 878/2002/Q-NHNN ngy 19/08/2002 v Thng t s 02/2000/TT-NHNN ngy 24/02/2000, (tn T chc tn dng) xin thng bo v vic k kt hp ng i l ph trong lnh vc chuyn tin nhanh Western Union vi Chi nhnh Ngn hng TMCP u t v Pht trin. Chng ti xin gi km theo bn sao hp ng i l ph k kt. Chng ti xin trn trng cm n.

Ni nhn:-Nh trn;-

TNG GIM C (GIM C)

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quy dinh 8077

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