Pursuant to the law on insurance business in 2000, the law on amendments and supplements to some articles of the law on insurance business and enforcement guidance documents;

Pursuant to Decree No. 45/2007/ND-CP on 27/3/2007 detailing the Government's implementation of some articles of the law on insurance business;

Pursuant to Decree No. 46/2007/ND-CP on 27/3/2007 of the Government fiscal regime for the insurance business;

Pursuant to Decree No. 118/2008/ND-CP on November 27, 2008 of the Government functions, tasks, powers and organizational structure of the Ministry of finance;

Pursuant to decision No. 315/QD-TTg on 1/3/2011 by the Prime Minister on the implementation of the agricultural insurance pilot period 2011-2013;

The Ministry of Finance shall guide the implementation of some articles of the decision No. 315/QD-TTg on 1/3/2011 by the Prime Minister on the implementation of the agricultural insurance pilot period 2011-2013 as follows: chapter I GENERAL PROVISIONS article 1. Scope this circular instructions of some articles of the decision No. 315/QD-TTg on 1/3/2011 by the Prime Minister on the implementation of the agricultural insurance pilot period 2011-2013 (hereinafter referred to as the decision 315) on the following: 1. Registration, insurance business decision to make agricultural insurance pilot;

2. Approves the rules, terms, the premiums, commissions, insurance liability insurance;

3. Financial mechanisms, policy support for insurers deploy pilot agricultural insurance and implementation support;

4. Records, procedures and processes to support the implementation of pilot agricultural insurance;

5. The level of funding support under the responsibility of the central budget and the provincial people's Committee guide, city of centrally implemented support policy of agricultural insurance pilot;

6. implementing, testing, monitoring, summarizing, reviews and other related contents in the pilot implementation of agricultural insurance.

Article 2. The object to apply the insurer is eligible to be selected for pilot deployment agricultural insurance as specified in clause 8 article 1 315 decision (hereinafter referred to as the insurer), reinsurance business, insurance agents and the institutions and individuals related to the implementation of the agricultural insurance under piloting decision 315 have compliance responsibilities the provisions of this circular and the provisions of relevant laws.

Chapter II SPECIFIC PROVISIONS section 1 records, registration, insurance business decision to deploy pilot agricultural insurance article 3. Pilot deployment conditions the insurer meets the conditions specified in clause 8 article 1 decision 315 then deployed pilot agricultural insurance. In particular: 1. To be granted a license to establish and operate the insurance business casualty. In particular, the Chairman of the Board (the Council members) or Director General (Executive Director) or Vice President (VP) have experience implementing agricultural insurance;

2. Meet margin payments according to the provisions of the law on insurance business;

3. Have the system branch, headquarters, subsidiaries accounting depends (called affiliates), a representative office in the pilot deployment of agricultural insurance;

4. Have deployed staff to make agricultural insurance.

Article 4. Records, registration procedures implementing agricultural insurance pilot paperwork to deploy pilot agricultural insurance sent directly or by post to the Department of finance including: 1. The text proposed for pilot deployment of agricultural insurance according to the form prescribed in annex 1 attached to this circular.

2. Documents that meet the conditions specified in article 3 of this circular.

3. three-year business plan to deploy pilot agricultural insurance, which stated: a) insurance products expected to deploy, accompanied by rules, terms, the premiums, the extraction process, evaluation, compensation; internal control procedures; the process of risk management, reinsurance program management; formulas, methods and explain the basis of charging, backup of business insurance products expected to deploy; determine the specific liability insurance, insurance claims for insurance products;

b) relevant documents include: insurance claims, product brochures, business services, insurance sales illustrations document, the template declaration and insurance contracts signed when buying insurance. This document is part of the insurance contract;

c) locality the pilot deployment scheduled, in which specific explanation about the planned mining network deployment: branch system, transaction, headquarters, subsidiaries accounting depends (called affiliates), Representative Office, business location, distribution, personnel meet the requirements to the social insurance register in protection pilot deployment agricultural insurance;

d) expected revenues, the cost of insurance products expected to deploy toward the covered object.

4. the reinsurance program according to the provisions of the current law.

Article 5. Insurance business decision to deploy pilot agricultural insurance within 30 days from the receipt of a valid application in accordance with article 4 of this circular of the insurer, the Ministry of finance have written reply regarding the approval or rejection of the proposal approved by the insurer. In case of approval, the Ministry of Finance issued the decision to approve the enterprise deployment pilot insurance according to the form prescribed in Appendix 2 attached to this circular simultaneously inform the Ministry of agriculture and rural development, the people's Committee of the central cities, where the pilot deployment scheduled agricultural insurance of the insurer, and insurance products expected to deploy in the area. In case of refusal, the Ministry of finance in writing stating the reason.

Article 6. Publication information pilot operation of agricultural insurance 1. Within 7 days from the date of receiving the written approval of the Ministry of finance, the insurer to post daily newspaper of Central and local newspapers where the pilot deployment business of agricultural insurance in 5 consecutive alert about the content of the provisions in paragraph 2 of this Article.

2. The content of the published information includes: a) the name, address, headquarters, branch office, Department, transaction, subsidiaries accounting depends (called affiliates), a representative office in the pilot deployment scheduled agricultural insurance;

b) pilot implementation of local agricultural, insurance object is insured, the insurance products expected to deploy;

c) They name of legal representative of the enterprise;

d) product distribution system of insurance business.

Article 7. The case of the change must be approved in writing by the Ministry of finance 1. When changing the geographical registration pilot implementation of agricultural insurance, the insurer must be approved in writing by the Ministry of finance.

a) change record sent directly or by post to the Ministry of finance are:-the text suggested changing the geographical registration pilot implementation of agricultural insurance;

-Approval of authority as stipulated in the Charter the insurer about changing the geographical registration pilot implementation of agricultural insurance;

-Text explanation of the expected exploitation network deployment: branch system, transaction, headquarters, subsidiaries accounting depends (called affiliates), Representative Office, business location, distribution, personnel meet the requirements for deploying a pilot agricultural insurance to civil registration in the pilot deployment of agricultural insurance.

b) within a period of 30 days from the receipt of a valid application as specified in point a, paragraph 1 article 7 of this circular of the insurer, the Ministry of finance have written reply regarding the approval or rejection of the proposal approved by the insurer. In case of refusal, the Ministry of finance in writing stating the reason.

2. When changing the agricultural insurance products (including objects of insurance), the insurer must be approved in writing by the Ministry of finance.

a) records suggest change of agricultural insurance products send directly or by post to the Department of finance includes the documents prescribed in paragraph 2 article 8 of this circular.

b) the time limit for the review of records suggest change of agricultural insurance products made under the provisions of paragraph 3, 4, 5 article 8 of this circular.

Section 2 exploitation of insurance, re-insurance article 8. Approval of the rules, terms, premiums 1. Rules, terms, fees due the insurer build must ensure: a) comply with the law;

b) language used in the rules, the insurance terms are accurate, simple expressions, easy to understand. For expressions need to clearly define the contents and are clearly defined in the rules, the terms of insurance;

c) clear, transparent benefits can be covered, the insurance object, scope and the risks to be insured, the rights and obligations of parties to buy insurance and the insured, the insurer's liability, the terms of the exclusion of liability insurance, the method of paying the insurance , the rules of dispute resolution;

d) premiums must be based on the statistics, ensuring the solvency of the insurer and should correspond to the conditions and liability insurance;

DD) clearly define the insurance unit for each insured object (crop insurance under the district units; pets, aquatic products made by social insurance, individual farmers or agricultural production organization meets the criteria of the scale according to the instructions of the Ministry of agriculture and rural development); excess; how single-level insurance; how the valuation losses and insurance claims for each type of insurance under traditional insurance and index;

e) confirmation of experts charge.

2. The records suggest approval of insurance products:


Before you deploy the product coverage, the insurer must be approved by Ministry of finance insurance products. Records suggest approval of insurance products include: a) text recommended approval of insurance products in which to commit the insurer is responsible for the content and the legality of the rule, the terms of insurance;

b) rules, terms, the premiums of insurance products expected to deploy;

c) formulas, methods and explain technical basis for charging, backup of business insurance products expected to deploy;

d) relevant documents include: insurance claims, product brochures, business services, insurance sales illustrated documentation, the form that the customer Declaration and sign when buying insurance. This document is part of the insurance contract. Insurance agent contract (which regulated the responsibility of insurance agents in insurance fees, move, arranging compensation insurance).

3. within 10 days from the date of receipt of a valid application specified in clause 2 of this, the Ministry of finance have written opinion the Ministry of agriculture and rural development, the people's committees of provinces and cities under central are concerned about insurance product approval.

4. Within 15 days from the date of the application the Ministry of finance submitted please comments, the Ministry of agriculture and rural development, the people's committees of provinces and cities under central relevant comments in writing regarding the approval or disapproval. In case of disapproval, to explain clearly the reasons.

5. within 10 days from the date of receiving the full comments of the Ministry of agriculture and rural development, the people's committees of provinces and cities under central are concerned, the Ministry of finance have written approval or denial of approval. In case of refusal, the Ministry of finance have text explaining the reason.

Article 9. Insurance distribution system and training insurance agents 1. Distribution system of insurance of the insurer are: a) sell insurance directly;

b) sell insurance through insurance agents;

c) sell insurance through insurance brokers.

2. agricultural insurance agents must be trained minimum 8 hours. The Organization of the training, examination and certification training insurance agents comply with the provisions of the current law.

3. active contents insurance agent: insurance agents can be an insurer authorized to conduct the following activities: a) introduce, sell insurance;

b) to arrange the delivery of the contract of insurance;

c) Premium Income;

d) arrange compensation, pay a premium when the insurance event occurred;

DD) perform other activities related to the implementation of the insurance contract.

Article 10. Insurance rose 1. The insurer only pays commissions for insurance for the following objects: a) insurance business;

b) insurance agents.

2. The rate of the Insurance Commission made under the provisions of the current law.

Article 11. Concluding the insurance contract 1. Insurers make insurance contracts with the insurance side when there are enough of these conditions: a) the text of the provincial people's Committee registered insured according to the form prescribed in annex 11 attached to this circular.

b) confirmation of the people's Committee of township-level object insured (farmers in an impoverished, the near-poor; farmers not belonging to an poor, poor access; Agriculture Organization), the object of insurance (crop, livestock, fisheries) in the locality according to the form prescribed in annex 12 , 19, 26 attached to this circular.

2. The time of liability insurance: a) for the buyer of insurance is the State support a premium section: liability insurance arises when one of the following cases:-the insurance contract has been delivered and the buyer of insurance has played enough premium portion is not state aid prescribed in the contract of insurance and is determined of authority on the subject in an State premium assistance (farmers in an impoverished approach; farmers not belonging to an poor, poor access; Agriculture Organization) as defined in clause 2 article 1 decide to 315.

-The insurance contract has been delivered, including the written agreement between the insurer and the insured party on the side of the insurance premium arrears and certified by the competent authority on the subject in an State premium assistance (farmers in an impoverished approach; farmers not in poor area , poor access; agricultural production organization) as defined in clause 2 article 1 decide to 315.

-There is evidence of the contract of insurance has been delivered and the buyer of insurance has played enough premium portion is not state aid prescribed in the contract of insurance and certified by the competent authority on the subject in an State premium assistance (farmers in an impoverished approach; farmers not in poor area , poor access; agricultural production organization) as defined in clause 2 article 1 decide to 315.

b) for the buyer of insurance is 100% support of State insurance: liability insurance arises when the insurance contract was committed and certified by the competent authority on the subject in an 100% support the State premium as specified in point a , item 2 article 1 decide to 315.

3. The insurer is the competent agency paid premiums are part of State support for the buyer of insurance when it meets the following conditions: a) the text of the provincial people's Committee registered insured according to the form prescribed in annex 11 attached to this circular.

b) confirmation of the people's Committee of township-level object insured (farmers in an impoverished, the near-poor; farmers not belonging to an poor, poor access; Agriculture Organization), the object of insurance (crop, livestock, fisheries) in the locality according to the form prescribed in annex 12 (paddy) , Appendix 19 (pets), Appendix 26 (fisheries) attached to this circular.

c) insurance contracts are delivered on the basis of rules, terms, agricultural insurance fees were approved by Ministry of finance.

d) insurance Party has close enough premium was not part of State support as stipulated in the insurance contract (for the case of the buyer of insurance is not 100% supported State insurance premiums).

The order of payment procedure, follow specified in point b of article 20, paragraph 1 of this circular.

Article 12. Reinsurance activities 1. The program of re-insurance of the insurer to comply with the provisions of the current law.

2. General Reinsurance Corporation Vietnam national responsibility to get re-insurance and reinsurance for the insurance business in the country. The case of the insurer in the country do not receive most of the liability coverage, General Reinsurance Corporation made Vietnam national reinsurance for businesses that receive foreign reinsurance on the principle of ensuring national interests.

3. the business case for getting foreign reinsurance does not get off, General Reinsurance Corporation responsible for Vietnam national General, statistics, propose handling reported the Ministry of finance to consider the settlement.

Section 3 financial regime for the insurance business, reinsurance insurance pilot deployment agriculture article 13. Pilot deployment guidelines the insurer, General Reinsurance Corporation Vietnam national pilot implementation of agricultural insurance according to the principle of not-for-profit target.

Article 14. Revenue accounting, costs 1. The cost of a) for more details of sales, management, Insurance Commission; support, for the local authorities to implement agricultural insurance, insurers are allowed to use not more than 35% of the revenue farm insurance premiums (including insurance is State support and buy-side insurance premium to be paid).

b) for business backup: the insurer is responsible to extract up to premium backup, redundancy compensation, redundancy compensation for the range of losses pursuant to the current law.

Redundancy compensation for the range of losses was set a minimum 10% premium real agricultural holding back. Premium section retained in the year after deducting the expenses as a rule, are used for added redundancy compensation for the range of losses.

The use of the compensation reserve for the range of losses made in accordance with current legislation and instructions of the Finance Ministry at the end of the pilot implementation phase.

2. revenue accounting, the cost of the insurer the insurer responsible for separate accounting of revenues, cost from activity of agricultural insurance pilot with other activities and operation of agricultural insurance (if any) that the insurance enterprises are deploying.

Until 31/12/2013, based on the results of the pilot deployment operation farming insurance, in case the insurer, General Reinsurance Corporation Vietnam National loss rate exceeded 10% equity from operations agricultural insurance pilot The Ministry of Finance has jurisdiction guide mechanism or reporting the prime consideration and support.

3. The provisions of the revenue, the cost of the insurance business is done in accordance with current legislation.

Article 15. Report mode 1. The insurance business made up and submitted to the Ministry of finance quarterly business reports and years and accompanied by an electronic version of the form prescribed in annex 3, 4, 5, 6, 7, 8 enclosed herewith.

2. The insurer made up and submitted to the people's Committee of the province, the city of the reports related to the results of operation of agricultural insurance pilot in pilot deployment according to the quarter and the year and accompanied by an electronic version of the form prescribed in annex 3, 4 , 5, 6, 7 attached to this circular.


3. General Reinsurance Corporation Vietnam national responsibility to prepare and submit the following reports: a) reinsurance revenue report you, in the form prescribed in Appendix 3 attached to this circular;

b) reinsurance compensation report you, in the form prescribed in annex 10 attached to this circular.

4. Time limit for submission of the report: a quarterly report): the insurer, General Reinsurance Corporation and the Vietnam National Finance Ministry sent the slowest is 30 days from the end of the quarter.

b) report: insurance business, General Reinsurance Corporation and the Vietnam national financial Ministry slowly for 90 days from the end of the financial year.

5. In addition to the business report prescribed in paragraph 1, item 2 of this article, the Ministry of finance may request the insurer, General Reinsurance Corporation Vietnam National additional reports on the State of operation, the financial situation of the business to serve the work statistics and reviews of the pilot deployment situation of agricultural insurance.

6. The insurer, General Reinsurance Corporation Vietnam country is responsible for the accuracy, the truthfulness of his statements.

Section 4 support, implementation of pilot agricultural insurance article 16. The level of State support, the object is supported, funding sources and mechanisms of assistance 1. The level of State support and the object is supported by the decision 315, namely: a 100% support) insurance premiums for farmers, poor agricultural production individuals participate in agricultural insurance pilot.

b) supports 80% of the premiums for farmers, poor access individuals involved agricultural production pilot agricultural insurance.

c) supports 60% of premiums for farmers, not personal poverty, poor access to agricultural production involved pilot agricultural insurance.

d) support 20% premium for agricultural producers organizations involved in agricultural insurance pilot.

2. Farmers in the poor area, accessibility is poor farmers are stipulated in decision No. 9/2011/QD-TTg on 30/01/2011 by the Prime Minister on poverty applies for the period 2011-2015. The State encourages the use of local budgets to support the local farmers not belonging to poor households, poor accessibility by decision No. 9/2011/QD-TTg dated on 30/1/2011 but in poor households under poverty, local rules (if any).

3. Funding support for object support: guaranteed from the central budget and local budgets, and are arranged in genus estimation economic career, specifically the following: a) to the central budget 100% support for the get balance supplements from the central budget;

b the central budget support) 50% for the province, the city had a rate of under 50% of the central budget, local budget ensures 50% remaining;

c) local budget self guarantees for the local, not subject to the provisions in point a, point b, paragraph 3 of this article.

Article 17. Genus pilot operation of agricultural insurance for pilot implementation activities of agricultural insurance is the expenses for activities to implement the pilot agricultural insurance in addition to expenses of premium support stated in clause 1 article 16 of this circular, including : 1. active "research, approve the rules, terms, agricultural insurance fees", the clause: a) the genus hired Consulting: research-building rules, terms of agricultural insurance;

-Study on construction of agricultural insurance fees;

-Design of agricultural insurance products: paper model requirements, the contract of insurance;

-Build process risk management guide, harness, the assessment of compensation;

-Verify, suggestions about the program of re-insurance;

-Building regulations, reserve ratio;

-Organize product distribution system;

-Build a financial mechanism for the insurer.

b) spent on construction of database serving the insurance fee;

c) Chi Conference, the workshop served the construction rules, terms, costs of agricultural insurance;

d) others serve directly for the construction works issued the rules, terms, agricultural insurance fees.

2. Activity "organize pilot agricultural insurance", the clause: a) the genus training organizations, training, workshops;

b) genus of propaganda.

3. Operation "check, monitoring the process of implementation of pilot agricultural insurance", the clause: a) the genus diem;

b) Genus related to inspection and monitoring activities in the process of implementation of pilot agricultural insurance.

4. Operation "Of links, reviews the results of pilot agricultural insurance", the clause: a) the genus held conferences, workshops, summary, summarizing;

b) database construction serves the sum, reviews the results of pilot agricultural insurance;

c) genus of diem;

d) others serve directly for the work of the evaluation results of pilot agricultural insurance.

5. Funding for pilot activities of agricultural insurance is guaranteed from the central budget resources and is located in administrative management expenditure estimation in estimation for traffic management agency, insurance supervision (Ministry of Finance) and other legitimate sources (if any).

Article 18. Duration 1. Funding support and funding to operate pilot agricultural insurance be arranged in budgeting during the pilot implementation from 1/7/2011 to 31/12/2013 under the provisions of paragraph 1 of article 3 of decision 315.

2. where the estimate delivery in 2011 not enough to allocates funding on then is expected in 2012.

Article 19. Supports method 1. The insurer is paying the State budget on agricultural insurance (the State budget must support as a rule) when made a single supply of agricultural insurance and the insurance charges were households, individuals, organizations (most of the households, individuals, organizations must pay the premiums under the insurance contract) on the basis of the full profile procedure provided for in article 20 of this circular.

2. expenses for pilot activities on agricultural insurance was paid when the State budget has a full estimation and the vouchers valid genera as defined by current law.

Article 20. Record, process and procedure of genus 1. The genus for the insurer a) profile:-application of agricultural insurance premiums paid by the insurer set the send Department of finance and Department of agriculture and rural development, according to the form prescribed in Annex 36 numbers attached to this circular.

-Table of details of agricultural insurance of households, individuals, organizations of each commune by the insurer, confirmed by the people's Committee of the town according to the form prescribed in annex No. 37 is included herewith submit the Department of finance and Department of agriculture and rural development.

-General Board of agricultural insurance of households, individuals, organizations of each district by an insurer established according to the form prescribed in annex No. 38 is included herewith submit the Department of finance and Department of agriculture and rural development.

-General Board of agricultural insurance of households, individuals, organized by province due to an insurer formed under the form prescribed in annex No. 39 included herewith submit the Department of finance and Department of agriculture and rural development.

b) process and procedure for payment of the support budget portion of the premiums for the insurance business made a contract of insurance with the agricultural households, individuals, organizations.

-At the latest on 15 February of last quarter's, the insurer making the proposal to pay the premiums for the insurance contract signed with the agricultural households, individuals, organizations involved in agricultural insurance pilot as defined in point a, paragraph 1 of this article to send the Department of finance and Department of agriculture and rural development.

-Within 7 days from receiving the full records as defined in point a, paragraph 1 of this article, the Department of finance in cooperation with the Department of agriculture and rural development evaluation reports the people's Committee to implement: + for locally not subject the central budget support , made to pay for the insurance business from the local budget.

+ For the central budget local support 100% or 50% of the funding needs, The financial reporting section of the central budget must support as specified in paragraph 1 to article 21 of this circular.

-Within 10 days from the date of the valuation report of the Department of finance, based on the number of central budget funding support and the local budgets must support according to the regulations, the provincial people's Committee made the payment the premium section is supported from the State budget for the insurer.

2. Operate pilot agricultural insurance a) principle and authority:-guarantee split with active management in insurance supervision functions of Management Agency, insurance supervision, not duplicate on the subject, the content.

-For expenses as a rule to make the bidding shall apply according to the rules of the bidding Laws and the documents guiding the implementation.

-Director of Department of insurance supervision, management is responsible for the management, use, cost effective, saving the right of legal regimes.

b) mode and mode:-spending spending and spending for the genus content in article 18 of this circular to follow rules on standards and norms for current expenditure and the provisions of this circular.

-Cases of expenses not yet having a guide mode, based on invoices from actual spending, logical, valid under the provisions of the law, the Director of Department of insurance supervision, management reported the Ministry of finance to consider, decide and Director of Department of insurance supervision, management is responsible for the content of this genus to ensure proper and efficient-saving mode.

Section 5. The process of estimating, project accounting, settlement funding pilot agricultural insurance article 21. Estimating the budget


The Executive budget estimation and decision 315 made under provisions of the law on the State budget, documents guiding the implementation and the specific provisions of this circular.

1. for support expenditure estimation: a) along with the time the annual budget estimate, based on the number of households, individuals, organized by audience and needs to participate in agricultural insurance, the Department of agriculture and rural development, expected number of funding made the decision to send 315 Financial Facility to aggregate and identify the part of the central budget support under regulatory regime to report provincial people's Committee, the city sent the Finance Ministry along with the estimation of local budget according to the provisions of the law on the State budget.

b) Ministry of finance, in coordination with the ministries concerned based on the needs of the local funding demands part of the central budget funding must ensure to implement the decision in General 315 career central economic government reports submitted to the National Assembly to consider decision.

c) for 2011, the provincial people's Committee directed the relevant authorities make general funds made the decision to section 315 of the central budget support under the provisions to report the Ministry of finance, Ministry of agriculture and rural development to sum the Prime review , decided to support the local implementation.

2. for expenses for pilot operation of agricultural insurance: based on annual deployment tasks, along with the estimate of time every year, the Ministry of Finance (Department of management, the insurance supervision) estimating pilot agricultural insurance sent the Ministry of Finance (financial planning Services) combined into genus estimation of administrative management of the financing of the plan the annual budget to the Government report submitted to the National Assembly for approval.

Article 22. Estimation and settlement Executive 1. With respect to funding support: a) the base of agricultural insurance contracts signed, at the latest on 15 February of last quarter's, the General insurance business of each locality, district and province under the annexes specified in point a of article 20, paragraph 1, sent the Department of agriculture and rural development.

Within 10 days of receiving the proposed profile enough to pay the premiums of the insurance business, the Department of finance in cooperation with the Department of agriculture and rural development to the evaluation report, the provincial people's Committee has the text (attached a report synthesizing the results of agricultural insurance participation of households individual, organization, according to the form prescribed in annex 40 attached to this circular) sent the Finance Ministry proposed funding part of the central budget must support according to the prescribed regimes.

b) to base of the decision by Congress and the text proposed in support of the local funding, within 10 days, the Ministry of finance evaluation and implementation of targeted supplements from the central budget to local budgets to make the decision to 315.

c) making payments from the State budget for the insurer are made according to the provisions of article 20 of this circular.

d) funding to support a policy decision 315 are accounting, General to the settlement of the budget according to the provisions of the law on the State budget.

2. for operational expenditure implemented agricultural insurance pilot based on the estimation was given the volume of work done, the Ministry of Finance (Department of management, the insurance supervision) made the withdrawal, payment for the units, organized according to the current rules.

The State Treasury spending controls implemented by the regulations of the Ministry of finance about the management mode, allocate, pay expenses the State budget through the State Treasury according to the regulations.

The Ministry of Finance (Department of management, oversight coverage) accounting and settlement of budget expenditures made under the agricultural insurance pilot decided to 315 in accordance with current legislation.

Chapter III RESPONSIBILITIES of the MINISTRY of the PEOPLE'S COMMITTEE, the PROVINCES and cities involved, the INSURER, General REINSURANCE CORPORATION NATIONAL Article 23. The Ministry of finance is responsible for 1. The insurer decided to deploy the pilot according to the form prescribed in Appendix 2 attached to this circular.

2. Approves the rules, terms, fees and liability insurance, confirm the registration of the geographical delineation of the insurer under the provisions of this circular.

3. Guide the financial mechanisms, policy support for the insurer to implement agricultural insurance pilot and implementation support (if available) according to the authority.

4. The guide profile, procedures and processes to support the implementation of pilot agricultural insurance, ensure the correct range, the object, the area supported.

5. The level of funding support under the provisions of this circular.

6. Establishment and estimation of funding support, advocacy, consulting to implement decision 315 as prescribed in this circular.

7. Make test monitoring, the insurer made a pilot agricultural insurance; check, supervise the provision of funds to support the provision of funds, consulting and advocacy.

8. Every year, reported the Prime Minister on the situation and the results of pilot insurance.

9. To sum up, the end stage assessment piloted for agricultural insurance for the Prime Minister.

10. In collaboration with the Ministry of agriculture and rural development, the people's committees of provinces and cities in the deals, limiting losses.

Article 24. The Ministry of agriculture and rural development is responsible for 1. Instructions and the publication of the kind of disaster (flood, storm, flood, drought, frosts, frost damage, malaria and other disaster risk types); epidemics (avian flu, foot-and-mouth disease, PRRs, long nails, aquatic diseases, pest, yellow dwarf, twisted leaves and other disease types) are covered; Guide to the criteria of the scale planting of rice, livestock, aquaculture join pilot agricultural insurance; the standard guide rice cultivation, animal husbandry, aquaculture join pilot agricultural insurance.

2. In coordination with the Ministry of finance approves the rules, terms, fees and liability insurance under the provisions of this circular.

3. Publication, provides information on the disease types according to an insurer's proposal to build rules, terms, costs of insurance, risk assessment, compensation and loss assessment coverage.

4. In collaboration with the Ministry of finance, the people's committees of provinces and cities in the pilot deployment in checking, monitoring the implementation of the pilot in the area; inspect, monitor the level of funding support.

5. Issued, guide and coordinate with the Ministry of finance, the people's committees of provinces and cities in the deals, limiting losses.

6. At the latest 30 days from the date of the end of the quarter, reports the implementation and deployment measures proposed to send the Ministry of finance.

Article 25. Ministry of natural resources and environment is responsible for 1. Publish the information meteorology, hydrology, extreme values of the elements of meteorology, hydrology and extreme weather phenomena (storms, floods, droughts, floods, frosts, frost damage, medium bold, saline intrusion, tsunami) affect productivity, crop production, livestock and aquatic products to do the base build rules terms, fees, insurance and compensation coverage.

2. Publication, provides information about the indicators forecast as proposed by insurers to build rules, terms, costs of insurance, risk assessment, compensation and loss assessment coverage.

Article 26. The people's committees of provinces and cities under central in the pilot deployment responsibility 1. Establishment of the Steering Committee on agricultural insurance locally by the Deputy Chairman of the provincial people's Committee, the central cities was Chairman.

2. registration locality involved deploying pilot agricultural insurance (town), the object of insurance (crop, livestock, and aquaculture) according to the form prescribed in annex No. 11 attached to this circular.

3. The Steering Committee granted the commune in the pilot deployment validation object insured, the insured object to do the basis of insurance contracts and as a base for insurers suggest the Agency has the authority to grant funding to support according to the form prescribed in annex No. 12 , 19, 26 attached to this circular.

4. In collaboration with the Ministry of finance approves the rules, terms, fees, liability insurance, as specified in this circular.

5. Steer, held pilot implementation of agricultural insurance; funding support (from the central budget and local budgets).

6. Provide or direct the departments and the people's Committee of the relevant data, information provided by insurers according to the form prescribed in annex No. 14, 15, 16, 17, 18, 21, 22, 23, 24, 25, 28, 29, 30, 31, 32, 33, 34, 35 attached to this circular to the construction estimation , the level of funding support; the charge; insurance valuation, risk compensation and insurance coverage.

7. The Steering Committee granted the commune in the pilot deployment and the specialized agencies cooperate with the insurer active organization advocacy, referral, guidance, updates about the rules, terms, costs of agricultural insurance products expected to deploy in the area for the farmers poor, poor access individuals; farmers, individuals not poor, poor access; the Organization of agricultural production in the locality; arrange the delivery of the contract of insurance; the insurance fee; identify the audience losses, determine the cause of the losses, the extent of the losses according to the form prescribed in annex 13, 20, 27, to the insurer compensation when the insurance event occurred.

8. In collaboration with the Ministry of finance, Ministry of agriculture and rural development in the inspection, monitoring the implementation of the pilot in the area; inspect, monitor the level of funding support.

9. In collaboration with the Ministry of finance, Ministry of agriculture and rural development in the matter, limiting the losses.

10. advocacy organization on the implementation of pilot agricultural insurance on the mass media in the pilot deployment.


11. At the latest 30 days from the date of the end of the quarter, reports the implementation and deployment measures proposed to send the Ministry of finance, Ministry of agriculture and rural development.

Article 27. Insurer to join the pilot deployment of agricultural insurance is responsible for 1. Sign the deployment pilot agricultural insurance according to the form prescribed in annex 1 attached to this circular.

2. Research, construction, and the Ministry of finance approves the rules, terms, premiums under the provisions of this circular.

3. In collaboration with the social people's Committee in the province, the city implemented a pilot activity organization advocacy, referral, guidance, updates about the rules, terms, costs of agricultural insurance products expected to deploy in the area for individual farmers in the poor area , poor access; farmers, individuals not poor, poor access; the Organization of agricultural production in the locality; arrange the delivery of the contract of insurance; the insurance fee; identify the audience losses, determine the cause of the losses, the extent of the losses to base compensation when the insurance event occurred.

4. Coordinate with the provincial people's Committee announced and confirmed the type of natural disaster (hurricane, flood, floods, droughts, frosts, frost damage, medium bold, saline intrusion, tsunami), disease (for rice plants: dwarf yellow disease, twisted dwarf leaf, black-striped dwarf, pest; for cattle: foot and mouth disease; for pigs : PRRs, foot and mouth disease; for chicken, duck: bird flu; for the fish: liver disease kidney pustules; for the shrimp: the disease white spots, yellow head disease, the disease of liver necrosis and atrophy of the pancreas; for the shrimp: sick, sick, sick Taura syndrome gold head, Dystrophies and liver necrosis of the pancreas) occurred on the local specific to risk assessment as a basis, compensation and loss assessment coverage.

5. In collaboration with the provincial people's Committee in confirming damage due to natural disasters, disease causing the pilot deployment in agricultural insurance to settle insurance claims.

6. In collaboration with the Provincial Bureau of statistics, the central cities in the announcement of rice yield fact after each service, rice price service and economic value of livestock, aquaculture to make a base charge, settle insurance claims.

7. Organized propaganda on the pilot implementation of agricultural insurance on the mass media in the pilot deployment.

8. Ministry of finance reports the results of the pilot deployment as prescribed in this circular.

Article 28. General Reinsurance Corporation Vietnam national responsibility 1. Build the program and receive reinsurance reinsurance as prescribed in this circular and related laws.

2. The financial report of the results of the pilot deployment as prescribed in this circular.

Chapter IV IMPLEMENTATION Article 29. Effect 1. This circular effect since October 1, 2011.

2. During the implementation process, if there are difficulties and obstacles to timely reflect the recommendation of the Ministry of finance to consider and resolve.