THE STATE BANK OF VIETNAM
Number: 26 /2014/TT-NHNN
THE SOCIALIST REPUBLIC OF VIETNAM.
Hanoi, September 16, 2014
IT ' S SMART
The regulation of the State Bank of Vietnam refunds its capital to its credit organizations.
By the Vietnamese, according to Decision No. 540 /QĐ-TTG on April 16, 2014
of the Prime Minister on credit policy
for the shrimp and the carp.
Vietnam State Bank Law School No. 46 /2010/QH12 June 16, 2010;
The Code of Credit: 47 /2010/QH12 June 16, 2010;
Base of Protocol 156 /2013/NĐ-CP November 11, 2013 the Government regulates the functions, duties, powers, and organizational structure of the State Bank of Vietnam;
The Base Decision No. 540/QĐ-TTg on April 16, 2014 by the Prime Minister on credit policy towards the shrimp and carp keepers;
On the recommendation of the Secretary of the Monetary Policy;
The Governor of the State Bank of Vietnam issued a regulatory provision for the Bank of Vietnam to re-grant capital to Vietnamese-Vietnamese credit organizations by Decision No. 540/QĐ-TTg on 16 April 2014 by the Prime Minister of the Government of the Government of Vietnam. Credit for the shrimp and the carp.
1. The adjustment range:
It provides a provision for the refunding of the Vietnam State Bank of Vietnam (later known as the State Bank) for credit organizations by Decision No. 540/QĐ-TTg on 16 April 2014 by the Prime Minister on credit policy. for prawns and individuals (later called Decision No. 540/QĐ-TTg).
2. Subject applies:
Credit organizations exercise debt by Decision No. 540/QĐ-TTg for households, farm owners, shrimp farming cooperation and the difficulty of struggling in business production and pay debt to December 31, 2013 (later known as customers). -Yeah.
The State Bank's resupply level for credit organization corresponds to the amount of credit organization that has made its debt on the customer by regulation at Decision No. 540/QĐ-TTg.
The resupply deadline is 364 days and is automatically renewed for the remaining capital resupply debt at the time of the deadline. The duration of the extension is equal to the first time of capital refunding. The final extension must ensure the total resupply period and the resupply limit of 3 years from the date of the return of the capital loan.
1. The interest rate refunds capital during the capital resupply period, renewing the capital refunds at Article 3 This is 0% per year.
2. The interest rate resupply is overdue by 150% of the capital refunding interest issued by the State Bank at the time of the overdue debt transfer to the capital refunds loan.
1. The credit organization sent directly or through the postal road 04 sets the offer to refinance the State Bank (Monetary Policy Affair). The profile of the refunding offer includes:
a) The proposed resupply of the capital by Appendix 1 issued to this message.
b) The list of eligible customer lists has been debuned by Annex 02 issued by this message.
2. During the 2-day period of work since the date of the full date of the adoption of the capital refunds, the Monetary Policy filing recommended a refunding of the credit organization's capital to the Public Service Credit, the Ombudgetary Authority, which oversees the bank for opinion.
3. During the 7-day period of work since the date of the recommended receiving date of the Monetary Policy Case, the Public Service of the Economy, the Ombudgeting Agency, which oversees the bank has the opinion of sending the Monetary Policy.
4. During the 7-day period of work since the date received full opinion of the units, the State Bank Governors Monetary Policy review review, the decision.
5. Based on the decision of the Governor of the State Bank for the resupply of credit to the credit organization, the State Bank Exchange makes a contract agreement, the capital refunds, renewing capital refunds to the credit organization.
The person with authority on behalf of the credit organization signs the text of the loan refunds at the State Bank as the legal representative of the credit organization.
1. At the end of the 03-year period from the date of the adoption of the capital refunding bank, the credit organization must pay off a refunding loan debt to the State Bank.
2. The credit organization pays off the loan debt refunds to the State Bank in the following cases:
a) The customer paid the debt to the credit organization in the time of the debunking. In the 10-day period of early work, the debt-paying credit repayment of the bank of the State Bank corresponds to the amount of customer paying the debt to the credit organization within the next month.
b) The case must revoking the debt repayment of capital to another prior to the rule of law.
The case of a credit organization does not pay a repayment of the right capital under the provisions of Article 1 Article 7 of this, the State Bank transfer debt repayment of the remaining capital debt to the overdue debt and apply to the rate of overfunding. The provisions of this 2-Article 4 are from the overdue date, and the implementation of the debt recovery measures:
1. Quote the deposit account of the credit organization at the State Bank.
2. Revenue of the original and interest from other sources of the credit organization.
3. Other measures under the rule of law.
1. Accountable to the law of accuracy, the legalization of the records, figures, documents provided to the State Bank.
2. Trams, timely statistics, precisely the debt-defined debt stipulated at Decision No. 540/QĐ-TTg to cater to internal audits, reporting to the State Bank and inspection, oversight of the state agency with jurisdiction.
3. Pay off the loan repayment in accordance with the regulation at this Smart.
4. Under the supervision, inspection, inspector of the State Bank in the acceptance of the provisions at this message.
5. periodically during the 10-day period of the first working day, the State Bank report on the payment of the customer's debt has been on the debt by Annex 03 issued by this Information.
6. Make other responsibilities under the rule of law.
1. Monetary Policy:
The presiding officer, in collaboration with the State Bank's related units, considers the refunding of the credit organization and the handling of the issues that arise during this process.
2. The Economic Affairs Credit:
There is an opinion of sending the Monetary Policy under the stipulation of the Article 3 Article 5 of this Information on the content:
a) Recommend the capital of the credit organization.
b) The amount of credit organizing is debunking to the customer.
c) The results of the validation, the rationalization of the rationalization, the suitcases of the instructions on the Customer List report are eligible to be debuned due to the credit organization set up to borrow funds at the State Bank.
3. Inspector of the Bank, monitoring the bank:
a) There is an opinion to send the Monetary Policy Bureau on the proposed reissue of the credit organization under the stipulation of Article 3 of this Article 5.
b) presided over, in coordination with the State Bank of the Provincial State, the city in monitoring, inspection, inspection of the provisions of the provisions at this Smart; treatment under jurisdiction and petit the Governor of the Bank of State handles cases of breach of rules. It ' s about this message and the other regulations that are relevant.
4. State Bank Exchange:
a) The agreement to sign a contract resupply between the State Bank and the credit organization.
b) Perform the capital refunds solution, renew the capital refunds and recover the capital resupply loan of the credit organization under contract content that has signed and regulated at this Smart; presided over, in coordination with the State Bank Board of State Governors The treatment of repayment of capital refunds in the event of a credit organization does not pay the debt on time.
c) Do the accounting and monitor the capital refunds.
d) periodically on the 10-day period of the first working day, reported the Governor of the State Bank, at the same time sending the Credit Service of the Economy, the Bank of the Bank to oversee the bank, the Monetary Policy of the Loan, the debt refunds to the credit organizations. This is based on Appendix 04 issued by this message.
5. Financial Case-Accounting:
Accounting for accounting accounting for the State Bank's refunding transaction for credit organization by Decision No. 540/QĐ-TTg.
6. State Bank of the provincial branch, central city of central:
Monitoring, inspection, inspection of credit organizations, the branch of credit organization on the site in the approval of the regulation at this privacy; treatment under the authority and petit the Governor of the Bank of the State to handle cases of violation by current regulation. The report of the Governor of the Bank of the State (through the Ombudship, which oversees the bank) results.
1. This message has been in effect since 1 November 2014.
2. Chief of Staff, Secretary of the Monetary Policy, Head of Units of the State Bank; Director of the State Bank of the State Branch of the Province, City; Chairman of the Board of Directors, Chairman of the Board and General Manager (Director) of the organization. This is responsible for your execution.
Nguyen Thi Hong