THE PRIME
MINISTER
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|
SOCIALIST
REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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|
No. 149/QD-TTg
|
Hanoi, January
22, 2020
|
DECISION
INTRODUCING
NATIONAL FINANCIAL INCLUSION STRATEGY BY 2025 WITH ORIENTATIONS TOWARDS 2030
PRIME MINISTER
Pursuant to the Law on Government Organization
dated June 19, 2015;
Pursuant to the Law on State Bank of Vietnam
dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated
June 16, 2010 and Law on Amendments to Law on Credit Institutions dated
November 20, 2017;
At the request of Governor of the State Bank of
Vietnam in document No. 105/TTr-NHNN dated October 25, 2019,
HEREBY DECIDES:
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I. VIEWPOINTS
1. Financial inclusion
requires the participation of and close cooperation between the public and
private sectors where the State is in charge of creating an environment that
facilitates market-oriented financial inclusion according to the guidelines and
policies of the Communist Party and the State.
2. Financial inclusion must be
promoted in connection with safety, efficiency and sustainability of the whole financial
system and financial consumer protection.
3. Application of modern
technology and innovation are important factors in promotion of financial
inclusion.
4. Safety and security must be
taken seriously; risks related to provision of financial products and services,
especially digital financial products, shall be fully managed and monitored.
5. International breakthrough
solutions for promotion of financial inclusion shall be adopted to accelerate
achievement of Vietnam’s financial inclusion objectives.
II. DEFINITION, SCOPE, REGULATED
ENTITIES AND OBJECTIVES
1. Definition, scope and
regulated entities
a) Definition
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b) Scope
The strategy aims to popularize basic financial
products and services provided by licensed providers, including payments, money
transfer, savings, credit and insurance.
c) Regulated entities
This Strategy is applicable to all people and
enterprises, with the main targets being those that have no or limited access to
financial products and services such as people living in rural, remote and
isolated areas; poor people, low income earners, women and other vulnerable
groups; small and medium enterprises; microenterprises, cooperatives and
household businesses.
2. General objectives
All people and enterprises have safe and convenient
access to affordable financial products and services that meet their needs and
are provided by licensed providers in a responsible and sustainable way.
3. Specific objectives
a) Diversify financial products and services
provided by licensed providers and providers and distribution channels thereof
and to enhance access to financial products and services for people with no or
limited access to such products and services;
b) Promote digital technology application and
innovation in design and distribution of simple, convenient, easy-to-use and
affordable financial products and services that suit the needs and payment
capacity of all people and enterprises, especially small and medium enterprises,
people living in rural, remote and isolated areas, low income earners and
vulnerable groups;
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d) Complete suitable financial infrastructure to
facilitate transactions, ensure safety thereof and ensure information
consistency between all market participants;
dd) Develop systems of microfinance projects,
programs and organizations that operate in a safe, efficient and sustainable
way to provide poor people, low income earners, women and microenterprises with
diverse and flexible financial products and services, contributing to
implementation of the guidelines for social security assurance and sustainable
poverty alleviation of the Communist Party and the State;
e) Improve financial literacy of people and
enterprises, ensure all people and enterprises possess the knowledge, skills,
attitude and behaviors necessary for selection and use of financial products
and services. Develop mechanisms for financial consumer protection to ensure
consumers are provided with adequate information and treated fairly.
4. Some targets for 2025
Aim to achieve the following targets by the end of
2025:
- At least 80% of adults have
transaction accounts with banks or other licensed institutions; and every adult
has at least one transaction account with a bank or another licensed
institution by 2030;
- There are at least 20
branches/transaction offices of commercial banks per 100.000 adults;
- At least 50% of communes
have a point of provision of financial services (branches and transaction
offices of credit institutions and banking agents; excluding points of
provision of financial services of Vietnam Bank for Social Policies);
- At least 25% - 30% of adults
have savings in credit institutions;
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- At least 250.000 small and
medium enterprises have outstanding debts in credit institutions;
- Ratio of credit outstanding
balance for agricultural and rural development to total credit outstanding
balance of the economy reaches 25%;
- Ratio of premiums to average
GDP reaches 3,5%;
- At least 70% of adults have credit
history in the credit information system of the State Bank of Vietnam.
III. MAIN TASKS AND SOLUTIONS
1. Completion
of legal frameworks to facilitate achievement of financial inclusion objectives
a) Study and promulgate regulations on banking
agents, which shall permit banks to authorize non-bank entities to act as their
agents and provide some of their banking products and services for commission;
b) Research and promulgate level-specific
regulations on transaction accounts with suitable fee policies to encourage all
citizens to open accounts for cashless payments;
c) Review and amend or promulgate legislative
documents providing for each level of client identity verification and client
identification, which must suit the characteristics and level of risk of each
type of product or service and client group; permit application of the
electronic Know Your Client procedure (e-KYC) in account opening at licensed
institutions to meet the needs for small value payments of individuals and
enterprises;
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dd) Review and amend or promulgate legislative
documents on provision of financial products and services, especially products
and services based on digital technology, to promptly establish stable and
adequate legal corridors for financial product and service providers;
e) Review and amend or promulgate legislative
documents to facilitate mobilization of society's resources and encourage
different types of ownership to participate in microfinance activities;
formulate and develop microfinance projects, programs and institutions with
safe and efficient operation to promote access to financial services for poor
people, low income earners, women and microenterprises;
g) Review and amend or promulgate legislative
documents on inspection and monitoring to ensure safe, efficient and lawful
promotion of financial inclusion;
h) Study and promulgate a fintech regulatory
sandbox for the banking sector;
i) Study and promulgate incentive policies and
mechanisms for development of microinsurance products for poor people and
low-income earners;
k) Study and promulgate regulations on access to
and use of the national residential database, and on permission for financial
service providers to use information from the national residential database for
the e-KYC procedure;
l) Study and promulgate regulations on use of the
e-KYC procedure based on the national residential database.
2. Diversification
of providers and distribution channels to provide convenient access to
affordable basic financial products and services for people and enterprises
a) Aim to develop banking agent models to expand
access to financial services for people living in areas with no or few banking
services:
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- Study and enable non-bank
institutions having a widespread network or operating in rural, remote and
isolated areas (such as people’s credit funds, microfinance institutions, post
offices, gas stations, networks of telecommunications organizations, networks
of some other non-bank institution, etc.) to become banking agents to quickly
expand points of provision of financial services.
b) Develop modern distribution channels based on
digital technology to promote access to affordable financial products and
services, especially via mobile phones:
- Promote mobile payments and
digital banking and digital financial products and services for people living
in rural, remote and isolated areas;
- Enable fintech organizations
and telecommunications organizations to actively participate in the financial
product and service supply chain based on healthy competition and cooperation
with credit institutions;
- Encourage credit institutions
to cooperate with fintech organizations and payment intermediaries in providing
new payment technologies and solutions that are easy to employ, affordable,
convenient, safe and suitable for personal payments.
c) Expand points of service provision of credit
institutions in rural, remote and isolated areas to provide financial products
and services for people living in such areas:
- Encourage credit
institutions to develop branches and transaction offices in rural, remote and
isolated areas;
- Continue to develop and
arrange ATM and POS networks around the country reasonably to ensure that they
operate effectively and meet the market's demand; encourage other institutions
and banks to invest in and expand ATM and POS networks in rural, remote and isolated
areas.
d) Effectively use the public postal network for
provision of basic financial services:
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dd) Develop systems of microfinance projects, programs
and organizations that operate in a safe, efficient and sustainable way to
promote access to financial services for poor people, low-income earners, women
and microenterprises:
- Encourage microfinance
projects, programs and organizations to diversify products and services for
poor people, low income earners, women and microenterprises; encourage
development of models of operational connection between commercial banks and
microfinance projects, programs and organizations; facilitate cooperation between
microfinance projects, programs and organizations and fintech organizations to
enhance technology application in provision of basic, convenient and affordable
services to people living in rural, remote and isolated areas;
- Assist microfinance projects,
programs and organizations with accessing concessional funding sources;
increase private contributions to financial resources for provision of
microfinance products and services;
- Encourage microfinance
projects, programs and organizations to participate in promotion of financial
education;
- Enable socio-political
organizations, local governments and non-governmental organizations to actively
participate in and support promotion of microfinance activities.
e) Enhance capacity of specialized financial institutions
whose orientations align with financial inclusion objectives, namely Vietnam
Bank for Agriculture and Rural Development, Vietnam Bank for Social Policies,
Co-op Bank and People’s Credit Funds, suiting the strategy for development of
Vietnam's banking sector by 2025 with orientations towards 2030 approved in the
Prime Minister’s Decision No. 986/QD-TTg dated August 08, 2018.
3. Diversification
of basic financial products and services for target groups of financial
inclusion.
a) Promote cashless payments to provide access to
cashless payment services for target groups of financial inclusion:
- Encourage banks to provide
checking accounts that have no maintenance fee or minimum balance, have limited
features and are connected to ATM cards for the retired, social benefit
recipients, the elderly, poor people, students and other suitable vulnerable
groups, etc. to deposit or withdraw money, make low value transactions, receive
pension/social benefits and pay utility bills;
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- Encourage individuals and
enterprises to collect/pay tax, fees and charges, incur administrative
penalties and pay utility bills and tuition without using cash;
- Boost cashless payment of
pension and social insurance benefits via bank systems;
- Encourage credit
institutions and other licensed institutions to develop easy-to-use money
transfer and payment services that suit the situation in rural, remote and
isolated areas;
- Encourage enterprises to pay
salaries and pay for goods and services via accounts.
b) Boost development of financial products and
services for agricultural production and rural areas:
- Assist credit institutions
with improving efficiency of loans provided to assist domestic production and
sale of agricultural products via application of high technologies and value
chain linkages in agricultural production;
- Develop insurance products
for agricultural production;
- Develop consumer credit
products with reasonable interest rates that are suitable for consumer credit
borrowers to help prevent usury;
- Support enhancement of
credit institutions’ capacity for risk management, product design and business
development to boost the financial resources and manpower necessary for
restructuring of the agricultural sector, with a focus on diversification of
income of agricultural producers.
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- Continue to study and
complete the existing credit guarantee mechanism to improve efficiency of
credit guarantee;
- Improve unsecured loans and
use of goods, property on land, movable property and cash flow as collateral;
- Encourage credit
institutions to expand provision of unsecured loans with loan management
methods that suit characteristics of business operations of small and medium
enterprises, cooperatives and household businesses;
- Encourage non-bank credit
institutions, people’s credit funds, microfinance institutions and insurance
enterprises to provide products and services that meet different needs of small
and medium enterprises, cooperatives and household businesses;
- Improve efficiency of
off-budget state funds used for loans and credit guarantee.
4. Completion
of financial infrastructure and enhancement of efficient use thereof to
facilitate transaction fee reduction and meet requirements of financial
inclusion promotion
a) Complete payment infrastructure:
- Facilitate development and
completion of the automated clearing house (ACH) system to support individual
payments and corporate payments 24/7;
- Study and develop mechanisms
for electronic switching and clearing services, which shall permit lawfully
eligible institutions and enterprises to provide these services to increase
competition, ensure safety and security, enhance efficiency, and reduce
transaction fees for people and enterprises;
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- Strengthen electronic
banking safety and security to build public trust and protect financial
consumers.
b) Develop the national residential database:
- Provide policies for
connection and sharing of the national residential database with other
specialized databases;
- Provide policies for
assignment of citizen identification numbers to all individual accounts to
support management and verification of clients and beneficiaries upon provision
of goods and services;
- Enhance information
connection and sharing between authorities and institutions to facilitate
administrative reform and e-Government development.
c) Develop the national financial inclusion
database based on statistical indicators for level of access to financial
services and extent of use and quality thereof; incorporate basic financial
inclusion objectives into the household living standards survey program; and
conduct sociological investigations into people’s access to financial services.
d) Develop a high quality, adequate and consistent
national credit information database based on modern technology; fully
incorporate information from credit institutions in the banking sector, and
gradually expand to information from institutions outside of the banking
sector; and promptly provide diverse products and services suitable for each
type of credit institution.
5. Financial
education, enhancement of financial literacy and capacity; and financial
consumer protection
a) Formulate and adopt overall solutions for
enhancement of financial management knowledge and skills and understanding of
financial products and services of people and enterprises, leading to increased
use of financial products and services provided by licensed institutions and
better assessment of benefits and risks thereof, which shall enable people and
enterprises to choose the products and services that suit their needs:
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- Formulate and launch
programs providing information on benefits, costs, risks, management methods
and efficient use of financial products and services for people; concurrently,
publish procedures for settlement of complaints and disputes for all service
users;
- Promote financial literacy
programs for people and enterprises;
- Improve financial skills,
especially finance lease, insurance, risk management tools etc. for agricultural
producers;
- Enhance accounting and
financial management capacity of cooperatives;
- Heighten the roles of
socio-political organizations in encouraging their members to improve their
financial knowledge.
b) Establish legal frameworks for financial consumer
protection:
- Study and promulgate
regulations on financial consumer protection, which shall provide for the
mechanisms for protecting financial consumers against unfair treatment from
financial service providers; information transparency requirements for
financial service providers; and transparent approach to and efficient
settlement of disputes by financial service providers for financial consumers;
- Inform fee structure and
service fee types to financial consumers;
- Promote the roles of credit institutions
in responsible lending, with a focus on enhancement of borrower’s financial
knowledge, especially the rights to credit information access and protection
and mechanisms for dispute settlement and information correction.
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6. Other
assistance solutions:
a) Incorporate financial inclusion objectives into
new rural development programs;
b) Formulate and launch training programs
concerning promotion of financial inclusion in Vietnam for workforce of
supervisory authorities and financial service providers;
c) Enhance cooperation in promotion of financial
inclusion in Vietnam with other countries and international development
organizations;
d) Further inform the roles and meanings of
financial inclusion to state agencies, local governments, socio-political
organizations, financial service providers, people and enterprises.
dd) Boost restructuring of credit institutions
based on schemes and plans approved by competent authorities.
Article 2. Implementation
1. A national steering
committee for implementation of this Strategy shall be established. The State
Bank of Vietnam shall take charge and cooperate with relevant authorities in
formulating and proposing the functions, duties and regulation of operations of
this national steering committee to the Prime Minister for decision. The apparatus
of the national steering committee shall be based in the State Bank of Vietnam
and organized by the Governor of the State Bank of Vietnam.
2. Assignment of a number of
main tasks:
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- Complete and submit their
action plans to the State Bank of Vietnam for consolidation within 6 months
starting from the date on which this Strategy is approved;
- Perform the tasks assigned
in the Action Program and described in action plans. Submit annual reports on
performance of such tasks to the State Bank of Vietnam for consolidation.
b) The State Bank of Vietnam shall take charge and
cooperate with ministries, local governments and relevant authorities in the
following tasks:
- Implement this Strategy;
provide guidelines for, expedite and assess such implementation, prepare
reports on difficulties arising from such implementation and carry out
assessment of results of such implementation on an annual basis;
- In 2025, conduct preliminary
assessment of implementation of this Strategy, and propose objectives and
targets as well as revising tasks and solutions (if necessary) of the following
period;
- In 2030, summarize and
assess implementation of this Strategy.
c) Ministry of Planning and Investment shall:
- Cooperate with the State
Bank of Vietnam and relevant authorities in incorporating financial inclusion objectives
into the formulation and implementation of 5-year and annual socio-economic
development plans;
- Direct General Statistics
Office of Vietnam to closely cooperate with the State Bank of Vietnam in
formulating and selecting suitable financial inclusion objectives to
incorporate into the household living standards survey program;
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- Take charge in consolidating
and allocating annual capital for investment in development according to
regulations of the Law on Public Investment, Law on State Budget and relevant
guiding documents for implementation of this Strategy.
d) Ministry of Finance shall take charge in
consolidating and allocating annual capital for recurrent expenditure according
to regulations of the Law on State Budget and relevant guiding documents to
implement this Strategy.
dd) Ministry of Information and Communications,
Ministry of Education and Training, Vietnam Television and Voice of Vietnam
shall raise the society’s awareness of financial inclusion and the progress
towards achieving Vietnam’s financial inclusion objectives.
e) Ministry of Foreign Affairs shall:
- Cooperate with relevant
ministries in monitoring global and regional development of financial
inclusion; study models, policies and experience concerning financial inclusion
promotion of other countries;
- Cooperate with the State
Bank of Vietnam in participating in international financial inclusion forums
and programs more frequently;
- Cooperate in promotion of
cooperation in financial inclusion in partnerships and multilateral forums.
Article 3. This Decision takes effect from the date on which it is
signed.
Article 4. Governor of the State Bank of Vietnam, Ministers,
heads of ministerial-level agencies, heads of Governmental agencies,
Chairpersons of People’s Committees of provinces and central-affiliated cities
and Chairpersons of Boards of Directors, general directors and directors of
financial service providers shall implement this Decision./.
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THE PRIME
MINISTER
Nguyen Xuan Phuc
APPENDIX
ACTION PROGRAM ON NATIONAL FINANCIAL INCLUSION STRATEGY
(Enclosed with the Prime Minister’s
Decision No. 149/QD-TTg dated January 22, 2020)
No.
Task
Proposing or
implementing body
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1
Study and promulgate regulations on banking
agents
State Bank of Vietnam
2020
- 2021
2
Study and promulgate level-specific regulations
on transaction accounts based on levels of risk of transactions
2020
- 2025
3
Review and amend or promulgate legislative
documents providing for each level of client identity verification and client
identification, which must suit the nature and level of risk of each type of
product or service and client group
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4
Review and amend or promulgate legislative
documents on electronic money and electronic money accounts
2020
- 2021
5
Review and amend or promulgate legislative
documents on provision of financial products and services to promptly
establish stable and adequate legal corridors for financial product and
service providers
2020
- 2025
6
Review and amend or promulgate legislative
documents to facilitate mobilization of society's resources and encourage
different types of ownership to participate in microfinance activities
2020
- 2025
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Review and amend or promulgate legislative
documents on inspection and monitoring to ensure safe, efficient and lawful
promotion of financial inclusion
State Bank of Vietnam, Ministry of Finance,
Ministry of Information and Communications
2020
- 2025
8
Study and promulgate a fintech regulatory sandbox
for the banking sector
State Bank of Vietnam
2020
- 2025
9
Study and promulgate incentive policies and
mechanisms for development of microinsurance products for poor people and low
income earners
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2020
- 2025
10
Study and promulgate regulations on access to and
use of the national residential database
Ministry of Public Security
2020
- 2022
11
Study and promulgate regulations on use of the
electronic Know Your Client (e-KYC) procedure.
2020
- 2022
12
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2021
- 2025
13
Enable non-bank institutions having a widespread network
or operating in rural, remote and isolated areas to become banking agents as
regulated
2021
- 2025
14
Promote mobile payments and digital banking and
digital financial products and services for people living in rural areas and
remote and isolated areas
2020
- 2025
15
Enable fintech organizations and
telecommunications organizations to actively participate in the financial
product and service supply chain
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
16
Encourage credit institutions to cooperate with
fintech organizations and payment intermediaries in providing new payment
technologies and solutions that are easy to employ, affordable, convenient,
safe and suitable for personal payments
2020
- 2025
17
Encourage credit institutions to develop branches
and transaction offices in rural, remote and isolated areas
2020
- 2025
18
Continue to develop and arrange ATM and POS networks
around the country reasonably to ensure that they operate effectively and
meet the market's demand; encourage other institutions and banks to invest in
and expand ATM and POS networks in rural, remote and isolated areas
2020
- 2025
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Encourage development of basic financial services
provided via the public postal network as prescribed by law; enable the
public postal network to cooperate with financial service providers and
fintech organizations in developing affordable digital financial services for
people living in rural, remote and isolated areas
State Bank of Vietnam
2021
- 2025
20
Encourage microfinance projects, programs and
organizations to diversify products and services for poor people, low income
earners, women and microenterprises; encourage development of models of
operational connection between commercial banks and microfinance projects,
programs and organizations; facilitate cooperation between microfinance
projects, programs and organizations and fintech organizations to enhance
technology application in provision of basic, convenient and affordable
services to people living in rural, remote and isolated areas
State Bank of Vietnam
2020
- 2025
21
Assist microfinance projects, programs and
organizations with accessing concessional funding sources; increase private
contributions to financial resources for provision of microfinance products
and services
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2020
- 2025
22
Encourage microfinance projects, programs and organizations
to participate in promotion of financial education
State Bank of Vietnam
2020
- 2025
23
Enhance capacity of specialized financial
institutions whose orientations align with financial inclusion objectives,
namely Vietnam Bank for Agriculture and Rural Development, Vietnam Bank for
Social Policies, Co-op Bank and People’s Credit Funds, suiting the strategy
for development of Vietnam's banking sector by 2025 with orientations towards
2030 approved in the Prime Minister’s Decision No. 986/QD-TTg dated August
08, 2018
State Bank of Vietnam
2020
- 2025
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Encourage banks to provide checking accounts that
have no maintenance fee or minimum balance, have limited features and are
connected to ATM cards for the retired, social benefit recipients, the elderly,
poor people, students and other suitable vulnerable groups, etc.
State Bank of Vietnam
2020
- 2025
25
Boost cashless state budget expenditures and
expenditures originating from state budget for salary, allowance and benefit
recipients and goods and service providers
Ministry of Finance
2020
- 2025
26
Encourage individuals and enterprises to
collect/pay tax, fees and charges and collect administrative penalties
without using cash
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2020
- 2025
27
Encourage individuals and enterprises to pay
utility bills, tuition and hospital bills without using cash
State Bank of Vietnam
2020
- 2025
28
Boost cashless payment of pensions and social
insurance benefits via bank systems
Vietnam Social Security
2020
- 2025
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Encourage credit institutions and other licensed
institutions to develop easy-to-use money transfer and payment services that
suit the situation in rural, remote and isolated areas
2020
- 2025
30
Encourage enterprises to pay salaries and pay for
goods and services via accounts
2020
- 2025
31
Assist credit institutions with improving
efficiency of loans provided to assist domestic production and sale of
agricultural products via application of high technologies and value chain
linkages in agricultural production
2020
- 2025
32
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Ministry of Finance
2020
- 2025
33
Develop suitable consumer loan products
2020
- 2025
34
Support enhancement of credit institutions’
capacity for risk management, product design and business development to
boost the financial resources and manpower necessary for restructuring of the
agricultural sector
2020
- 2025
35
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Ministry of Finance
2020
- 2025
36
Improve unsecured loans and use of goods,
property on land, movable property and cash flow as collateral
State Bank of Vietnam
2020
- 2025
37
Encourage credit institutions to expand provision
of loans without collateral with loan management methods that suit characteristics
of business operations of small and medium enterprises, cooperatives and
household businesses
State Bank of Vietnam
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
38
Encourage non-bank credit institutions, people’s
credit funds, microfinance institutions and insurance enterprises to provide
products and services that meet different needs of small and medium
enterprises, cooperatives and household businesses
State Bank of Vietnam, Ministry of Finance
2020
- 2025
39
Improve efficiency of off-budget state funds used
for loans and credit guarantee
Ministry of Finance
2020
- 2025
40
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2020
- 2021
41
Study and develop mechanisms for electronic
switching and clearing services
2020
- 2021
42
Study and promulgate technical regulations to
further connect credit institutions with each other and with fintech
organizations and other service providers
2020
- 2025
43
Strengthen electronic banking safety and security
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
44
Connect and share the national residential
database with other specialized databases
Ministry of Public Security
2020
- 2025
45
Assign citizen identification numbers to all
individual accounts to support management and verification of clients and
beneficiaries upon provision of goods and services
State Bank of Vietnam, Ministry of Finance,
Ministry of Information and Communications
2020
- 2025
46
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Ministry of Information and Communications
2020
- 2025
47
Develop the national financial inclusion database
based on statistical indicators for level of access to financial services and
extent of use and quality thereof; incorporate basic financial inclusion
objectives into the household living standards survey program; and conduct
sociological investigations into people’s access to financial services
State Bank of Vietnam
2020
- 2025
48
Develop a high-quality, adequate and consistent
national credit information database based on modern technology; fully
incorporate information from credit institutions in the banking sector, and
gradually expand to information from institutions outside of the banking
sector; and promptly provide diverse products and services suitable for each
type of credit institution
State Bank of Vietnam
...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
49
Incorporate financial education into the national
educational program
Ministry of Education and Training
2020
- 2025
50
Formulate and launch programs providing
information on benefits, costs, risks, management methods and efficient use
of financial products and services for people; concurrently, publish procedures
for settlement of complaints and disputes for all service users
State Bank of Vietnam, Ministry of Finance,
Ministry of Information and Communications
2020
- 2025
51
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2020
- 2025
52
Improve financial skills of agricultural
producers
2020
- 2025
53
Enhance accounting and financial management
capacity of cooperatives
Ministry of Agriculture and Rural Development
2020
- 2025
54
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
State Bank of Vietnam
2020
- 2025
55
Inform fee structure and service fee types to
financial consumers
State Bank of Vietnam, Ministry of Finance,
Ministry of Information and Communications
2020
- 2025
56
Promote the roles of credit institutions in
responsible lending
2020
- 2025
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Develop Deposit Insurance of Vietnam based on the
strategy for development of Vietnam's banking sector by 2025 with orientations
towards 2030 approved in the Prime Minister’s Decision No. 986/QD-TTg dated
August 08, 2018
2020
- 2025
58
Incorporate financial inclusion objectives into
new rural development programs
Ministry of Agriculture and Rural Development
2020
- 2025
59
Formulate and launch programs for training in
promotion of financial inclusion in Vietnam for workforce of supervisory
authorities and financial service providers
State Bank of Vietnam, Ministry of Finance,
Ministry of Science and Technology, Ministry of Information and
Communications, Ministry of Agriculture and Rural Development
...
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...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
60
Enhance cooperation in promotion of financial
inclusion in Vietnam with other countries and international development
organizations
State Bank of Vietnam
2020
- 2025
61
Further inform the roles and meanings of
financial inclusion to state agencies, local governments, socio-political
organizations, financial service providers, people and enterprises
Ministry of Information and Communications
2020
- 2025
62
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...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
State Bank of Vietnam
2020
- 2025