DIRECTIVE on strengthening inspection, supervision of State banks in early 2008, the economic situation in the country and the world have these complications affects economic growth and curb inflation under the target was proposed. In order to ensure the development of safe, healthy, sustainable system of the credit institution and the implementation guidance of the Prime Minister in writing the number 75/TTg-KTTH on October 15, 2008 and 1st text 319/TTg-KTTH on 03 March 2008 on strengthening measures to curb inflation in 2008 The State Bank Governor, asking banking units in the State and the credit institution strengthen inspection, supervision of State banks and management capacity, of credit institutions as follows: 1. for units in its headquarters State Bank a) Ombudsman for banking-check active chapter the Inspector, the 2008 monitoring to adjust, additional line with the new situation and tasks, ensure inspection activities, monitoring the Bank made effective the policies and guidelines, the State Bank's solution to curb inflation, the development of safe, healthy and sustainable systems of the credit institution.
-Coordinated with the relevant units to conduct reviews of the operation of the entire system of credit institutions as well as of individual credit institutions in the past, the Group conducted credit institutions according to their level, from there take out the inspection measures appropriate monitoring, for each credit institution in the coming time.
-Periodically build monthly monitoring and report quarterly to the synthesis and analysis of the situation of operation of each credit institutions as well as of the entire system of the credit institution. Before the 20th day of the next month to complete the monitoring reports of the previous month; before July 20, the first of the next quarter should be reported to your supervisor first.
-The layout enough officers to keep track of each credit institution to regular updates on the situation and the activities of credit institutions are assigned to track.
-Continue and inspectors closely monitor activities for investment securities business under the provisions of decision No. 03/2008/QĐ-NHNN dated Jan. 1, 02, 2008 by the Governor of the State Bank on the loan, discounting of valuable papers to the investing and stock trading; complete urgently inspected the operation of real estate lending business of the credit institution. Progress of synthesis, analysis, assessment of the status of mortgage loan by real estate credit institutions and deploy inspected consumer loans of credit organizations.
-Conduct inspected for some credit institutions of governance; the national observance of safety; risk management; audit operations and internal control; the implementation of the recommendations of the independent auditors; the content of the conclusions of the inspection group.
-Conduct inspection of the expansion of the network, increasing the capital of credit institutions in order to ensure the expansion of the network, the capital increase should match the active situation, administrative capacity, operating, technological level, development projects and viable business.
-Review and evaluation of the observance of the regulations on information mode, reports of credit institutions; take measures to handle the decision, forcing the institutions to the full observance of the stipulated time, exactly as prescribed by the State Bank.
-Bank Inspector determined according disposal authority or recommend competent handling of the breach was discovered with relevance, from the officers handling of credit organizations, suspend or withdraw the license of some active content, suspend or limit the expansion of the network , the scale of operation, revoke the license to operate a Bank, processing according to current legislation.
-Work closely with legal protection agencies to seize the situation and take measures to handle the synchronization of all the happenings in the market.
b) for other units in its headquarters State Bank-Service banks and non-bank credit organization must allow officers to keep track of each credit institution to regular updates on the situation and the activities of credit institutions are assigned to track.
-Service banks and non-bank credit organization do clues in cooperation with the relevant units of the State Bank of evaluation seriously, tight the licensing application, make sure the new credit organization be established to have enough financial capacity, capacity in business administration active projects feasible, staff and technology meet the qualifications according to the current rules.
2. for State Bank branch in the central cities, a) responsible to the Governor of the State Bank on the implementation of inspection, supervision to ensure the safe, healthy activities of credit institutions.
b) promptly detected and handled according to the authority; the report and the proposed measures for handling violations, risk affecting the safe operation of the credit institution.
c) report and proposals comments with Standing Committee level, the people's committees of provinces and cities to consider the timely resolution of these issues related to the safe operation of the credit institution.
d) enhance the role of control, Chief of the State Bank branch in the province, the central cities in the network expansion, the scale of operation of the credit institution in accordance with the needs of the situation of local practices, human resources and management ability of credit institutions.
DD) check the entire staff of the State Bank branch to timely additional and strengthening the qualified staff and good quality of service for inspection, monitoring, ensure that each local credit organizations have at least one Professional Officer of the State Bank. Assigned 1 Deputy Director dedicated to directing the inspection, monitoring activities; for the city of Hanoi and Ho Chi Minh City allowed increased 1 or 2 Associate Director to focus on doing well the inspection, monitoring, monitoring the activities of local credit organizations.
3. for credit institutions a) serious observance of the guidelines, policies and measures of the State on curb inflation in document No. 75/TTg-KTTH on October 15, 2008 and 1st text 319/TTg-KTTH on 03 March 2008 on strengthening measures to curb inflation in 2008.
b) loans, stock investment as prescribed in decision No. 03/2008/QĐ-NHNN dated Jan. 1, 02, 2008 by the Governor of the State Bank on the loan, discounting of valuable papers to the investment and trading securities.
c) the expansion of the network, increase the scale of operations, including the increase of capital is tied to the business plan of the year, the central business strategy, long term, consistent with the capacity of finance, business management, human resources, existing technologies of each credit institution and in accordance with the orientation of the Government and the State Bank.

d) focus of management capacity, executives; control, internal audit towards healthy and good control of risk properly, seriously accepted the regulations of the State Bank on the ratio of safety in the operation of the credit institution: perfect organization, operating mechanism fit characteristics status of each activity, credit institutions, actively building and human resource development have the quality to meet the requirements of safe operation of each credit institution.
DD) reviewing the entire current business processes to modify, supplement or new construction for the match, in which special attention the potential business risks are high, and there are mechanisms to ensure each Department, each professional officers must understand and obey these regulations seriously.
e) made the classification of debt and risk estimate is quoted according to the current regulations; implement the credit ratings for customers; make sorting market to give proper credit.
g) investing for information technology to modernize its products and services, reduce costs, improve operational efficiency, while ensuring safety, security. Just deploy new products and services on currency, credit, foreign exchange, money transfer, payment ... when has the ability to analyze and control risks; have qualified human resources; seriously implement the provisions on security of the information technology system under the provisions of the State Bank.
h) reviewing the recommendations of the independent audit and the proposed renovation of Bank inspection to timely remedy.
I) seriously perform statistical reporting regime under the provisions of the State Bank.
4. Organize a) Only has effect after fifteen days from the date The report.
b) Chief, Chief Inspector of the Bank, and the heads of the units of the State Bank, Director of the State Bank branch in the province, central cities, the Board and the ceo (Director) credit institutions responsible for the implementation of this directive./.