Circular 24/2014/tt-Nhnn: A Guide To Some Of The Content On The Deposit Insurance

Original Language Title: Thông tư 24/2014/TT-NHNN: Hướng dẫn một số nội dung về hoạt động bảo hiểm tiền gửi

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CIRCULAR guide some content about deposit insurance _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ pursuant to the law the State Bank of Vietnam the number 46/2010/QH12 16 June 2010;
Pursuant to the law on credit institutions the number 47/2010/QH12 16 June 2010;
Deposit Insurance Law bases the number 06/2012/QH13 on June 18th, 2012;
Pursuant to Decree No. 68/2013/ND-CP dated 28 June 2013 the Government detailing and guiding the implementation of the deposit insurance Law;
Pursuant to Decree No. 154/2013/ND-CP DATED 11 November 2013 of government functions, tasks, powers and structure of the State Bank of Vietnam;
At the suggestion of the Director of the legislation;
The Governor of the State Bank of Vietnam issued circulars some content about deposit insurance.
Chapter I GENERAL PROVISIONS article 1. Scope this circular guide some content about deposit insurance: contents insured certificates of deposits; grant and revoke certification of insured deposits in the case of participating institutions deposit insurance merger, merge; a copy of the certificate of the insured deposits listed held the insured deposits; the time limit for the filing fee and deposit insurance; time incurred the obligation to pay the insurance money; the procedure of paying the insurance and the recovery of the amount of insurance payable from organization of insured deposits; open and use the account of the deposit insurance of Vietnam at the Bank and the State Bank of Vietnam (hereinafter the Bank); buy bills the State Bank.
Article 2. The object that applies to this circular applies to the following objects: 1. Deposit Insurance of Vietnam.
2. hold the insured deposits including: commercial banks, foreign bank branches, cooperative banks, the people's credit funds and microfinance organizations.
3. The insured deposits.
4. Organizations and individuals related to the insurance activities.
Chapter II SPECIFIC PROVISIONS of article 3. Certified contents insured deposits 1. Certification of insured deposits include the following: a) deposit insurance Organization Name;
b) institution name insured deposits;
c) other content under the provisions of the deposit insurance of Vietnam.
2. within 15 days from the date of change of contents insured certificates of deposits specified in point b of paragraph 1 of this article, participating organizations implement the deposit insurance proposal again certified insured deposits as specified in paragraph 3 article 7 of Decree 68/2013/NĐ-CP dated 28 June 2013 of government regulation details and guidelines for implementing the law on deposit insurance.
3. in case of deposit insurance of Vietnam changed the model certificate of insured deposits, deposit insurance of Vietnam notify participating organizations in order to give back the deposit insurance insured certificates of deposit.
Article 4. Grant and revoke certification of insured deposits in case of insured institutions deposit consolidation, merger of 1. Deposit insurance of Vietnam to revoke certification of insured deposits were issued to organize the insured deposits were incorporated, incorporated as State Bank revoked the license of establishment and operation of the organization.
2. hold insured deposits get a merger done the procedure recommended to certification insured deposits in case of a change of information certificate of insured deposits as specified in paragraph 2 of article 3 of this circular.
3. the new organization was formed after the merger made the procedure proposed insured certificate of deposit as stipulated in article 14 of the deposit insurance Law.
Article 5. A copy of the certificate of the insured deposits listed held the insured deposits 1. A copy of the certificate of the insured deposits listed held the insured deposits as specified in article 15 the law on deposit insurance is a copy by deposit insurance of Vietnam from the original book.
2. Deposit Insurance of Vietnam issued a copy of the certificate of the insured deposits according to the number of points your organization transaction insured deposits have received deposits of individuals.
3. Record certified copy request insured deposits include: a) grant proposal writing copy certificate of the insured deposits of which specify the number of copies of the certificate of the insured deposits suggest;
b) transaction score list have received deposits of individuals have not been issued a copy of the certificate of the insured deposits to listing;
c) copies of the Bank's approval of the establishment of the proposed transaction level certified copy of insured deposits.
4. where there are urgent needs a copy of the certificate of the insured deposits, held the insured deposits set a record as defined in paragraph 3 of this article sent directly or by post to the deposit insurance of Vietnam.
Within a period of 3 (three) working days from the date of receipt of a valid application, deposit insurance review, Vietnam against the original book to give a copy of the certificate of the insured deposits for insured deposits. Copy right content with the right content was recorded in the original book.
Article 6. The time limit for lodging the deposit insurance premium deposits are calculated and remitted quarterly during the financial year. The latest on the 20th of the month you first charge, held the insured deposits must pay a deposit insurance premiums for deposit insurance of Vietnam. The case of the last day of the deadline the duplicate charges on public holidays, weekends, then held the insured deposits are submitted on the next working day following holidays, new year holidays last week.
Article 7. Deposit insurance fees 1. The basis of charging your deposit insurance charge is full of average deposit balance is the types of covered deposits in insured institutions deposits of the previous quarter adjacent to you.
2. the premium payable deposit of costs calculated by the following formula: in which:-P: is the number of the deposit insurance premiums to be paid by you.
-S0: is the balance of deposits covered the top of the first month of the preceding quarter adjacent to you.
-S1, S2, S3: is the balance of deposits covered the end of the first month, second month, third month of quarter adjacent to you.
-m: the deposit insurance fee is payable.
3. in case of the organization participate in deposit insurance and file charges for the first quarter of insured deposits apply according to the following formula: in which:-P: is the number of the deposit insurance premiums to be paid by the first quarter.
-Si: is the balance of deposits are covered on Tuesday i (i = 1 → n; S1 is the deposit balance was last on the first insurance deposits; SN is the balance of deposits covered the end of the first quarter).
-m: the deposit insurance fee is payable.
4. hold insured deposits after the merger, the combined application of the formula to charge deposit insurance regulations in paragraph 2 of this article, in which S0 is the total balance of deposits covered by the participating organizations participating deposit insurance merger, amalgamation, head of the adjacent quarter you fee; S1, S2, S3 is the total balance of deposits covered by the participating institutions deposit insurance join merger, merge the last month, second month, third month of quarter adjacent to you.
5. deposit balances are insured, premium deposits and charges filed, filing deficiency slowly rounded to thousands of units under the principle: a) is greater than or equal to (≥) copper 500 rounded up 1,000.
smaller (b)