Circular 23/2013/tt-Nhnn: Regulating The State Credit Institutions To Maintain The Balance Of Deposits At The Bank Of Social Policy

Original Language Title: Thông tư 23/2013/TT-NHNN: Quy định việc các tổ chức tín dụng nhà nước duy trì số dư tiền gửi tại ngân hàng chính sách xã hội

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THE STATE BANK OF VIETNAM
Number: 23 /2013/TT-NHNN
THE SOCIALIST REPUBLIC OF VIETNAM.
Independence-Freedom-Happiness
Hanoi, November 19, 2013

IT ' S SMART

Q The idea of state credit organizations to maintain the balance of money.

send at the social policy bank

______________

Vietnam State Bank Law Base Stain. 46 /2010/QH12 June 16, 2010;

The Code of Credit: 47 /2010/QH12 June 16, 2010;

Base of Protocol 96 /2008/NĐ-CP 26th Ah! The Government of the Government of the State Bank of Vietnam, the 8th of 2008, the government regulates the function, duties, powers, and organizational structure of the State Bank of Vietnam;

Base of Protocol 78 /2002/NĐ-CP October 04, 2002 - The Okay. Credit card. Stain. i with the poor and the other policy subjects;

On the recommendation of the Repository in Monetary policy. ()

The Governor of the State Bank of Vietnam issued a private practice of regulation of state credit organizations maintaining their own. Stain. Money sent at Ng. Yes. Social Policy Oh,

What? 1. The adjustment range

The information is about the provision of state credit organizations to maintain the amount of money sent at the Social Policy Bank by 2% of the amount of capital mobilized by regulation at paragraph 2 Article 8 of the Digital Protocol. 78 /2002/NĐ-CP October 4, 2002 of the Government on credit for the poor and other policy subjects.

What? 2. Subject applies

1. State credit organizations maintain deposits at the Bank of Social Policy, including state trade banks and equity-owned banks owned by the state on 50% of the charter capital: Agricultural Bank of Agriculture and Rural Development of Vietnam. South; Vietnam Commercial equity Bank; Commercial Bank of Foreign Trade of Vietnam; Commercial Bank of Investment and Development of Vietnam; Bank of Commerce shares the Development of the Mekong Delta.

2. Social Policy Bank.

What? 3. The deposit balance of the t socket State credit maintained at the Bank of Social Policy

1. Every year, state credit organizations are responsible for maintaining the amount of money sent at the Social Policy Bank by 2% of the amount of capital raised by the Vietnamese at the time of December 31 of the previous year.

2. The balance of capital mobiles by the Vietnamese community of state credit organizations at the time of December 31 last year included: No-term deposits, long-term deposits, savings deposits, deposit certificates, ballots, ballots, and other forms of money. receive a personal deposit of the individual, organization (except for credit organization, foreign bank branch) by regulation at paragraph 13 Article 4 Law organizations; issue bonds to raise capital from individuals, organizations (excluding credit organizations, bank branches, etc.). Foreign goods.

3. Deal with additional cases or withdraw the amount of money sent by state credit organizations at the Bank of Social Policy as follows:

a) The case the amount of money sent to maintain in the next year is greater than the amount of deposit of the previous year, then state credit organizations must supplement the amount of money sent by the greater number of disparities.

b) The case the amount of deposit must remain in the next year is less than the amount of deposit of the previous year, then state credit organizations are drawn up by the amount of the smaller difference or continue to maintain the deposit balance of the previous year.

What? 4. All Money sent by the Vietnamese community of state credit organizations at the Social Policy Bank.

1. The interest rate sent by the Vietnamese copper is as determined as follows:

The interest rate sent by the Vietnamese copper of the state credit organizations at the Bank of Social Policy (%/year)

(a)

=

The interest rate mobiles capital of Vietnam per capita of the state credit organizations (%/year).

(b)

+

Capital raising fee (%/year)

(c)

In it:

(b) As the general average of the interest rate of capital mobiles in Vietnam at the time of December 31, the previous year of the state credit organizations, calculated according to the average method of interest in the interest of the regulatory capital provisions at paragraph 2. Third of all.

(c) Is the cost of capital raising funds provided by the Bank of Social Policy and state credit organizations but a maximum of 1 .35% per year.

2. The interest rate of capital mobiles of state credit organizations has a major fluctuation compared to interest rates at the time of its earlier announcement, the State Bank of Vietnam considered adjusting the rate of interest mobiles capital of Vietnam per capita per capita. The proposed facility of the state credit organization or Social Policy Bank and informs the state credit organizations, the Social Policy Bank as the basis of determining deposit rates for the remainder of the year. The interest rate of capital gains by the Vietnam dollar is adjusted to the general average interest rate of capital gains by the Vietnam of the state credit organizations at the time of adjustment, according to the average interest rate of interest. The amount of capital of capital of the capital is regulated at the expense of these two things.

For 2013, on the basis of the state credit organization or Social Policy Bank, the State Bank of Vietnam identified and announced the rate of interest rates of capital of Vietnam per capita to make the basis determine the deposit interest rate of the country. of the state credit organizations at the Bank of Social Policy from 1 July 2013 to the end of December 31, 2013.

3. The limit of interest payments sent by the Bank of Social Policy agreements with state credit organizations in accordance with the regulation of the State Bank of Vietnam on the calculation, pay.

What? 5. Process, procedure to deposit money at Social Policy Bank

1. State credit organizations open the deposit account with a term at the headquarters of the Social Policy Bank.

2. In 2013, state credit organizations continued to send money at the Bank of Social Policy under contract and appendix signed with the Social Policy Bank. The following year, if the amount of money sent and interest changes, then the parties agreed to add a deposit of the deposit.

3. Before January 15, the state credit organizations sent a balance of capital raising and interest rates on each term of Vietnamese copper under the appendix 01 to the Bank of Vietnam (Monetary Policy of the Monetary Policy). Prior to January 31 each year, the State Bank of Vietnam (Monetary Policy Bureau) calculated and announced the rate of interest rates of capital by the Vietnamese per capita of state credit organizations at the time of December 31 of the previous year. State credit and the Bank of Social Policy to do the basis for determining deposit interest rates for the year.

4. Prior to January 15, state credit organizations submit a statement of the amount of deposit in the year on appendix 02 accompanied by this Notice to the Bank of Social Policy and is responsible for the accuracy of the figures. As of February 10, the state credit organizations and the Social Policy Bank must complete the addition of the deposit of the deposit and supplement or to withdraw the amount of money sent by the provisions.

What? 6. Terms of execution

1. This message has been in effect since 2 January 2014. Digital 04 /2003/TT-NHNN June 24, 2003, the Governor of the State Bank of Vietnam guidelines that state credit organizations maintain an amount of money sent at the Social Policy Bank run out of effect.

2. Chief of the Office, the Chief of Monetary Policy Affairs and the Head of Units of the State Bank of Vietnam, Director of the State Bank of the State Branch of the provinces, Central City, Chairman of the Board, Chairman of the Board of Directors, The Director General (Director) of the state credit organizations and the Social Policy Bank are responsible for this private practice.

KT. GOVERNOR.
Vice Governor.

(signed)

Nguyen Co-Progress