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STATE
BANK OF VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence – Freedom – Happiness
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No.
05/VBHN-NHNN
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Hanoi,
January 15, 2021
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CIRCULAR
ON MANAGEMENT, OPERATION AND USE OF NATIONAL
INTERBANK ELECTRONIC PAYMENT SYSTEM
Circular No.
37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of Vietnam on
management, operation and use of National interbank electronic payment system,
coming into effect from January 15, 2018 and amended by:
1. Circular No.
21/2018/TT-NHNN dated August 31, 2018 of Governor of State Bank of Vietnam on
amendments Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of
State Bank of Vietnam on management, operation and use of National interbank
electronic payment system, coming into effect from August 31, 2018.
2. Circular No.
21/2020/TT-NHNN dated December 31, 2020 of Governor of State Bank of Vietnam on
amendments Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of
State Bank of Vietnam on management, operation and use of National interbank
electronic payment system, coming into effect from April 1, 2021.
Pursuant to the Law
on State Bank of Vietnam No. 46/2010/QH12 dated June 16, 2010;
Pursuant to the Law
on Credit Institutions No. 47/2010/QH12 dated June 16, 2010;
Pursuant to the Law
on E-Transactions No. 51/2005/QH11 dated November 29, 2005;
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Pursuant to Decree
No. 35/2007/ND-CP dated March 8, 2007 of the Government on electronic
transactions in banking activities;
Pursuant to Decree
No. 101/2012/ND-CP dated November 22, 2012 of the Government on non-cash
payment and Decree No.80/2016/ND-CP dated July 1, 2016 of the Government on
amendments to Decree No. 101/2012/ND-CP;
Pursuant to Decree
No. 156/2013/ND-CP dated November 11, 2013 of the Government on functions,
tasks, powers, and organizational structure of the State Bank of Vietnam;
At request of
Director General of Information Technology Administration,
Governor of State
bank of Vietnam promulgates Circular on management, operation and use of National
interbank electronic payment system.[1],[2]
Chapter I
1. Scope:
This Circular
prescribes management, operation and use of National interbank electronic
payment system (NIEPS) for payment and accounting between participants of this
system in VND, USD, EUR and other foreign currencies decided by Governor of
State Bank of Vietnam (SBV) from time to time.
2.[3] Regulated entities:
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In this Circular,
terms below are construed as follows:
1. “NIEPS”
refers to the progress of processing interbank payment transactions from the
creation of payment order to completion of payment order via computer network
systems.
2. “direct members”
(hereinafter collectively referred to as “members”) are State Bank of Vietnam,
banks, branches of foreign banks, central State Treasury participating in the NIEPS.
3. “direct
member-affiliated entities” (hereinafter collectively referred to as “member-affiliated
entities”) refer to entities affiliated to members and participating in the NIEPS
at request of members
4. “indirect
member-affiliated entities” refer to entities affiliated to members, having
bank codes issued by State Bank and making payments via members or
member-affiliated entities.
5. “payment order”
refers to an electric message for execution of a payment transaction in the NIEPS.
6. “order giver”
refers to an organization or individual requesting a member, member-affiliated
entity to produce payment order.
7. “order
receiver” refers to an organization or individual receiving payment order via
a member, member-affiliated entity.
8. “client”
refers to an order giver or receiver.
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10. “payment order
supervisor” refer to chief accountant, individual in charge of accounting
affairs or authorized individual of member, member-affiliated entity supervising
payment order.
11. “payment order
approval individual” refers to a competent individual (legal
representative) of member, member-affiliated entity; with respect to
member-affiliated entity which are entities affiliated to SBV, approval
individuals shall be heads of entities or authorized individuals.
12. “media
approval individual” refers to individual within member, member-affiliated
entity assigned to transmit and/or receive electronic message in NIEPS.
13. “payment order
processing entity” refers to a member or member-affiliate entity initiating
and processing (outgoing) payment orders on behalf of clients.
14. “payment order
receiving entity” refers to a member or member-affiliate entity processing
and receiving (incoming) payment orders on behalf of clients.
15. “low value
payment service” refers to a service affiliated to the NIEPS for processing
payments in VND utilizing clearing method.
16. “high value
payment service” refers to a service affiliated to the NIEPS for processing
payments in VND utilizing real-time gross settlement method.
17. “foreign
currency payment service” refers to a service affiliated to the NIEPS for
processing payments in foreign currencies utilizing real-time gross settlement
method.
18. “Credit order”
refers to a payment order of a payment order processing entity to record a
Debit of a definite amount of money in an account of a client opened at the
payment order processing entity and record a Credit of the same amount of money
in an account of a client opened at the payment order processing entity.
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20. “low value
payment order” refers to a payment order made in VND with value below VND
500,000,000 utilizing low value payment service.
21. “high value
payment order” refers to a payment order made in VND utilizing high value
payment service.
22. “foreign
currency payment order” refers to a payment order utilizing foreign
currency payment service.
23. “electronic
message” refers to an electronic message depicting payment order or notice
related to transactions to be conducted and transmitted via computer network
among entities participating in the NIEPS.
24. “electronic
message confirmation code” refers to signals of electronic messages
regarding status of payment orders in the NIEPS.
25. “settlement”
refers to identification and payment of final value among relevant members for
completion of payment obligations.
26. “real-time
gross settlement” refers to instantaneous settlement of each payment order
for execution of payment obligations among members or member-affiliated
entities.
27. “low value
clearing” (referred to as “clearing”) refers to execution of payment
obligations among parties of payment by direct clearing after balancing total
amounts to be collected and total amounts to be paid.
28. “threshold”
refers maximum value at or below which low value payment transactions are
allowed to participate in clearing.
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30. “processing
center for NIEPS” or “National Processing Service Center” (NPSC) refers to
technical equipment system situated at Information Technology Department[4] for execution of
functions of high value payment modules, foreign currency payment modules, low
value payment modules, modules for processing checking accounts and examining,
comparing figures.
31. “backup
processing center for NIEPS” or “Backup National Processing Service Center”
(BNPSC) refers to system of technical equipment situated in backup data centers
to serve as backup for the NPSC.
32. “value of
deposited instruments” is determined according to regulations of SBV on
overdraft and overnight lending in the NIEPS.
33. “deposit rate”
is the percentage of value of deposited instruments and deposited money to establish
threshold and start-of-day threshold.
34. “net
settlement services for other systems” refer to the system of receipt and
processing of net settlement result from the automated clearing house (ACH),
card clearing houses and other clearing houses.
35. [5] “clearing house
presiding organization” (hereinafter referred to as “presiding
organization”) refers to a provider of intermediate payment service licensed by
SBV to provide financial switch, electronic clearing services and permitted to
participate and connect to the NIEPS to perform electronic clearing.
1. NIEPS is an
integrated system that consists of: NPSC, BNPSC, software installed in members
and member-affiliated entities.
2. Processing modules
include: high-value payment module, foreign currency payment module, low-value
payment module, checking account processing module.
3. The high-value
payment module is for processing real-time gross settlement for payment orders
in VND using high-value payment services.
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5. The low-value
payment module is for processing low-value payment orders using low-value
payment services.
6. The checking
account processing module is for inspecting and processing high-value payment
orders, foreign currency payment orders, processing results of clearing and net
settlement from other systems.
1. Interbank
electronic payment records may be physical or electronic documents prescribed
by applicable regulations of law on accounting records.
2. Basis for creation
of payment orders is the interbank electronic payment records.
3. Payment orders
shall be created electronically according to the template and data standards
decided by the Governor of the State bank.
1. A prior
authorization contract is required for debt payment among members other than
units of the SBV.
2. A prior
authorization contract is required for debt payment among members other than
units of the SBV.
3. Prior authorization
contract or agreement on debt payment between members must have the following elements:
- Intraday limit on
debt payment between the members;
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- Effective period of
the contract or agreement.
1. High-value payment
services must be employed if the value in the payment order in VND is at least
VND 500,000,000.
2. Low-value payment
services or high value payment services may be employed if the value in the
payment order in VND is less than VND 500,000,000.
3. Foreign currency
payment services must be used for a foreign currency payment order.
1.
Expenditures on development, installation, maintenance and upgrade of the NIEPS
shall be incurred by the SBV. Expenditures on development, installation,
maintenance and upgrade of systems of members and member-affiliated entities
serving their interbank electronic payment shall be paid by said members and
member-affiliated entities.
2. When using
services of the NIEPS, participants and affiliated participants shall pay the
initial fee, annual fee and domestic payment service charges imposed by the SBV
via SBV.
Chapter II
1. NIEPS operator
shall inspect the NIEPS in terms of balance, threshold and payment data on a
daily basis.
2. Information
Technology Department[6] shall inspect the
software, equipment and communications network of the NIEPS at the NPSC and
BNPSC.
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1.[7] Working time of the
NIEPS:
a) The NIEPS shall
start to receive high value payment orders, low value payment orders and net
settlement results from other systems from 8 a.m. for working days;
b) The NIEPS shall
start to receive foreign currency payment orders from 9 a.m. for working days;
c) The NIEPS shall
cease to receive low value payment orders and net settlement results from other
systems from 4:30 p.m. for regular working days and 5 p.m. for the last 2
working days of the month;
d) The NIEPS shall
cease to receive high value payment orders, foreign currency payment orders
from 5 p.m. for regular working days and 5:45 p.m. for the last 2 working days
of the month;
dd) Deadline for
finishing processing received payment orders in settlement waiting list (if
any): up to 30 minutes from the moment in which the NIEPS cease to receive
payment orders;
e) Time for
conducting end of day affairs (examining conditions for comparison, comparing
and verifying figures with the NPSC): after the time period specified under
Point dd of this Clause.
2. Governor of SBV
shall decide on changes to time periods under Clause 1 of this Article and
inform members in writing at least 30 days prior to effective date of said
changes except for cases under Clause 3 of this Article.
3. In case time
changes under Clause 1 of this Article take place during annual accounting
period or the NIEPS operate during holidays or Lunar New Year, Governor of SBV
shall decide while NIEPS operator inform members in writing and upload on
website of SBV at least 5 working days prior to effective date of said
changes.
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a)[8] In case of affair requirements,
NIEPS errors at the NPSC, unsuccessful clearing due to insufficient balance of
members or other causes from SBV;
b) In case branches
of SBV of provinces, cities or members request extension of time period for
receiving payment orders due to technical difficulties or excessive amount of
documents towards the end of working hours.
2. In case the time
after which payment order receipt is ceased is delayed by more than 30 minutes
for cases under Clause 1 of this Article, NIEPS operator shall produce reports
and submit to Governor of SBV for consideration and to Payment Department for
supervision.
3. Delays specified
under Clauses 1 and 2 of this Article shall be notified to all members of the
NIEPS and relevant entities affiliated to SBV via email address registered with
NIEPS operator or via the NIEPS before the time after which low value payment
order receipt is ceased in case of extending time period for receiving low
value payment orders and the time after which high value payment order and foreign
currency payment order receipt is ceased in case of extending time period for
receiving high value payment orders and foreign currency payment orders.
1. The processing of
transactions shall be automatically recorded by the NIEPS in the form of
electronic data.
2. Electronic data
shall be copied to storage devices (magnetic tapes, hard drives) on a daily
basis. Electronic data to be archived include:
a) Electronic data
about transaction requests and electronic messages containing results for each
member and member-affiliated entity;
b) Electronic data
about electronic messages, settlement transactions, data comparison and
processing results of the NPSC.
3. Management of
electronic documents and data shall conform to regulations and law on
archiving. Log shall be produced at the request of competent authorities to
serve inspection, control or dispute settlement in a manner that is conformable
with regulations of law on confidentiality of clients’ information.
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a) Digital signatures
of payment order initiators;
b) Digital signatures
of payment order supervisors;
c) Digital signatures
of payment order approval individuals;
d) Digital signatures
of media approval individuals (referred to as “digital media signatures”).
2. Digital signatures
shall be decentralized for management and use as follows:
a) Instruments for
creation of digital signatures of payment order initiators and supervisors
shall be issued and managed by members and member-affiliated entities following
their own procedures;
b) Private keys for
creation of digital signatures of payment order approval individuals and
digital media signatures shall be issued by the SBV in accordance with
regulations of the SBV on management and use of digital signatures, digital
documents and authentication of digital signatures. Individuals assigned with
digital signature or private key are responsible for its confidentiality and
shall bear legal responsibility if its disclosure causes damage;
c) Assignment of
payment order initiators, supervisors and approval individuals in members and
member-affiliated entities shall be regulated by competent individuals in a
manner that payment order initiators are independent from payment order
supervisors and approval individuals.
1. Inquiry:
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2. Comparison of
payment results:
a) The payment result
comparison is performed on a daily basis when the NIEPS completes its
end-of-day processing;
b) Data about
intraday settlements at the NPSC shall serve as the basis for payment result
comparison;
c) All payment orders
created must be compared with data at the NPSC, members and member-affiliated
entities within the day, unless there is a technical or communication issue
that makes it impossible to compare within the day;
d) Payment order
comparison must be performed for each day separately. In case of a technical
difficulty that makes it impossible to compare within the day, the comparison
may be done within the next working days when the difficulty is fixed. In such
cases, the comparison must reflect the date in which payment orders are
created;
dd) NPSC shall
automatically create end-of-day data for members and member-affiliated entities
to compare;
e) Members and
member-affiliated entities shall receive figures and compare with figures on
payment orders actually sent and received within the day according to
instructions under Clause 2 Article 37 of this Circular.
In case of errors,
members and member-affiliated entities must notify and cooperate with the NIEPS
operator in resolving.
1. Receive and check
validity of electronic records, including:
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b) Validity
(competence) of payment order approval individuals;
c) Dates;
d) Uniqueness;
dd) Mandatory
elements of a payment order;
e) Authentication
code for an electronic message;
g) Code of
participants, code of terminal devices, code of approval individuals.
2. Process valid
payment orders and cancellation orders; notify payment orders and processing
results thereof to relevant members and member-affiliated entities.
3. Compare payment
orders with members and member-affiliated entities in the NIEPS.
4. Reject invalid
payment orders and cancellation orders; reject payment orders submitted after
the NIEPS stops receiving payment orders.
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6. Notify the
unsuccessful high-value credit order to payment order processing entities if
their accounts balance is not sufficient for payment after the time to stop
receiving high-value payment orders, or the high-value credit order is
submitted after the NIEPS stops receiving high-value payment orders.
7. Notify the
unsuccessful credit order in foreign currency to the payment order processing
entities if the corresponding foreign currency account balance is not sufficient
for payment after the time to stop receiving foreign currency payment orders,
or the credit order in foreign currency is submitted after the NIEPS stops
receiving credit orders in foreign currency.
8. Notify the
unsuccessful high-value debit order to payment order processing entities if
accounts balance of payment order receiving entities is not sufficient for
payment after the time to stop receiving high-value payment orders, or the
high-value payment order is submitted after the NIEPS stops receiving
high-value debit orders.
9. Notify the
unsuccessful debit order in foreign currency to the payment order processing
entities if the corresponding foreign currency account balance of payment order
receiving entities is not sufficient for payment after the time to stop
receiving foreign currency payment orders, or the debit order in foreign
currency is submitted after the NIEPS stops receiving credit orders in foreign
currency.
10. Notify the
unsuccessful low-value payment order to the payment order processing entities
if they exceed the threshold after the clearing time, or the low-value payment
order is submitted after the NIEPS stops receiving low-value payment orders.
11. Automatically
send electronic messages about clearing results to account processing modules
to settle up with members using clearing services in the day.
12. Net settlement
results from other systems shall be processed in accordance with Article 25 of
this Circular.
1.[9] The BNPSC will be
used when the NPSC does not operate properly due to failure or breakdown or
conversion according to the plan in order to ensure the readiness for operation
of the NIEPS.
2. During the period
in which the BNPSC act the NPSC, the BNPSC shall operate according to Article
14 of this Circular.
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Chapter III
1. For payment orders
initiated from physical documents:
a) Payment order
initiators shall follow these steps:
- Inspect validity
and legitimacy of client’s transaction documents;
- Identify and
classify payment orders for processing;
- Compare and check
the client’s account balance;
- Enter the following
information: the payment order processing entities (name, bank code), amount,
name, address, account number (if any), ID/passport number or enterprise ID
number of the order givers, entities serving the order givers, payment order receiving
entities (name, bank code), name, address, account number (if any), ID/passport
number and issuance date of the order receivers, entities serving the order
receivers, payment description and other information relevant to the interbank
transaction, payment to state budget, sale of Government bonds and other types
of transactions (if any) using Form TTLNH-04;
- Double check the
entered data and add digital signatures to payment orders;
- Sign records;
transfer records and entered data to payment order supervisors;
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- Verify data about:
the payment order receiving entities, entities serving order givers, entities
serving order receivers, the amount and payment description based on relevant
documents.
- Return payment
orders to payment order initiators if errors are found;
- Add digital
signatures to payment orders, sign on documents and transfer to payment order
approval individuals if data are correct;
c) Payment order
approval individuals:
- Inspect consistency
between data on original records and figures on screen;
- Return to payment
order initiators or supervisors if errors are found;
- Sign records, add
digital signatures to payment orders and transfer the payment orders if data
are correct.
2. For payment orders
initiated from electronic documents:
In the cases where a
payment order is created from electronic records in a member’s or
member-affiliated entity’s system, the structure and format defined by the
State bank must be complied with and the following requirements must be
satisfied:
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b) If the electronic
record is valid and information therein is sufficient, the digital signatures
may be added manually or automatically to each payment order;
c) If the input
electronic records are valid and contain sufficient information according
regulations on initiation of payment orders and data security, accuracy and
safety requirements, competent individuals of entities shall decide on approval
requiring digital signatures of approval individuals on payment orders and
assume legal responsibility for such decision, or follow the instructions in
Point a Clause 2 of this Article.
3. Once a payment order
is sent and is successful, it can be printed out at request.
4. A payment order will
be processed by the NIEPS using the participant’s checking account with the
same currency as that on the payment order opened at the State bank’s
transaction center.
Members and
member-affiliated entities are legally responsible for legitimacy of records
used for initiating payment orders. The following information about payment
orders must be inspected:
1. Types and formats of
data;
2. Validity (competence)
of payment order initiators, supervisors, approval individuals;
3. Date;
4. Uniqueness;
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6. Authentication code
for an electronic message;
7. Code of participants,
code of terminal devices and code of approval individuals.
Members and
member-affiliated entities shall settle payment orders in accordance with
applicable law.
The transaction
center shall control, compare, settle, audit and retain payment orders
according to the sheet created on the daily basis (according to form TTLNH-10,
TTLNH-11, TTLNH-12, TTLNH-13, TTLNH-14, TTLNH-15 attached hereto).
Chapter IV
1. Establishment of
start-of-day threshold
a) Members who use
low-value payment order services shall establish, maintain and manage their
thresholds;
b) Members that use
low-value payment order sending services shall calculate their start-of-day
thresholds on the basis of the total low-value transaction of the previous
period and send applications for establishment of start-of-day threshold to the
transaction center. Start-of-day
threshold of each participant is calculated as follows:
Start-of-day
threshold = Average daily difference (payable – receivable) of the participant
over the last 6 months.
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In case where a
member has used low-value payment order sending services for less than 6
months, the start-of-day threshold shall equal value of the deposited
securities and/or money.
The transaction
center shall verify the arithmetic accuracy, the need for low-level payments, deposited
securities or money of members and inform them of the results;
c) Start-of-day
threshold shall be established every 6 months within the first 5 working days
of January and July;
d) Members using
low-value payment order sending services shall pay deposits to establish
start-of-day threshold in accordance with Article 21 of this Circular.
2. Adjustment of
start-of-day threshold
a) The transaction
center may request members using low-value payment order sending services to
decrease the start-of-day threshold if it is deemed too high compared to the
member’s solvency and the value of deposited securities or money;
b) In the period in
which the start-of-day threshold is established, each member may request the
transaction center to consider adjusting the start-of-day threshold according
to the member’s performance. In
case where the start-of-day threshold is increased, the deposit may be
increased by up to 100%.
3. Intraday temporary
adjustment to start-of-day threshold
a) If a member wishes
to temporarily increase the start-of-day threshold within the working day, the
intraday increase in the start-of-day threshold shall be dealt with as follows:
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If a member uses its
checking account balance to increase the start-of-day threshold, the
transaction center shall debit an amount equal to the intraday increase from
the member’s checking account as deposit. If the account balance is not sufficient, the
increase will not be permitted.
After finishing the
day’s clearing settlement day, the transaction center shall return the
additionally deposited securities or money at member’s request. The threshold shall
be reset to the start-of-day threshold. Intraday adjustment to start-of-day threshold
is calculated as follows:
Intraday start-of-day
threshold = start-of-day threshold + intraday increase in start-of-day
threshold;
b) Where it is
necessary to sustain members’ solvency, the transaction center may consider
decreasing the intraday start-of-day threshold. After finishing clearing settlement, the
threshold shall be reset to the start-of-day threshold. Intraday adjustment
to start-of-day threshold is calculated as follows:
Intraday start-of-day
threshold = start-of-day threshold - intraday temporary decrease in
start-of-day threshold;
4. Management of current
threshold
Current threshold =
intraday start-of-day threshold + total receivables of the low-value payment
order from the start of the day to the current time – total payables of the
low-value payment order from the start of the day to the current time.
At the start of the
day, each member sending the low-value payment order shall be granted a
start-of-day threshold.
The
start-of-day threshold may be increased or decreased according to the members’
and member-affiliated entities’ using low-value payment order sending services. The current threshold
is the basis for sending low-value payment orders of members and
member-affiliated entities.
5. The current threshold
can be searched for on the NIEPS.
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2. Money deposited to
establish the threshold in low-value payments is money in the participant’s
account opened at the transaction center.
3. Deposit rate
a) A member using
low-value payment services shall deposit securities and/or money in its account
at the transaction center. The minimum deposit is 10% of the start-of-day
threshold notified by the transaction center. Where it is necessary for the safety of the
NIEPS, Governor of the SBV shall issue a decision to change the minimum deposit
rate at the request of the Steering Committee of the NIEPS;
b) If the member’s
account balance is not sufficient for clearing settlement at the time to stop
receiving high-value payment orders 02 times or more in a month or 03 time or
more in a period over which the start-of-day threshold is maintained, the
transaction center shall request the Governor of the State bank to consider the
decreasing member’s start-of-day threshold to the value of the deposited
securities and/or money and maintain the deposit ratio at 100% for 6 months
from the day on which Governor of the SBV issues a decision.
4. Time to deposit securities
or money:
a) In case of
intraday temporary increase in the start-of-day threshold: as soon as
securities or money are adequately deposited, the transaction center shall
establish the intraday temporary start-of-day threshold and inform the member;
b) In case of initial
or periodic establishment of start-of-day threshold: the member shall deposit
securities or money, submit an application for establishment of the
start-of-day threshold to the transaction center. Within 07 working days from the day on which
deposited securities or money and the application is received by the
transaction center, it shall establish the start-of-day threshold and inform
the member in writing.
5. Return of deposited
securities or money
a) Deposited
securities shall be returned in accordance with regulations of the SBV on
depositing and use of securities at the SBV;
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In the cases where
the amount on a payment order exceeds the current threshold:
1. The NIEPS will
request the member to increase the threshold as prescribed in Clause 3 Article
20 of this Circular;
2. When the current
threshold is sufficient, payment orders will be processed following on a first
in, first out (FIFO) basis;
3. When the NIEPS stops
receiving low-value payment orders, the payment orders that exceed the current
threshold will be cancelled. Members
and member-affiliated entities shall check the status of payment orders by
sending inquiries.
NPSC shall perform
clearing settlement as follows:
1. Cease to receive
low-value payment orders throughout the system;
2. Check and calculate
the current threshold for the low-value payment orders whose current threshold
is not available;
3. Reject low-value
payment orders from participants and affiliated participants whose current
thresholds are exceeded;
4. Calculate the
difference between payables and receivables of each participant whose current
threshold is sufficient according to the low-value payment orders;
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The transaction
center shall monitor the clearing settlement status via the NIEPS in the
following order:
1. Examine the member’s
solvency against the difference between start-of-day threshold and current
threshold;
2. If the member’s funds
are insufficient, notify it of such insufficiency and request it to increase
its funds; inspect the addition of funds in the member’s checking account;
3. If clearing
settlement is not successful after the system stops receiving high-value
payment order because of the member’s insufficient balance, the transaction
center shall complete and send Form TTLNH-25) to the NIEPS operator and such
member.
1. The NIEPS are allowed
to receive and process net settlement results from the ACH, card clearing
houses and other clearing houses.
2. Clearing settlement
results are processed in batches (also known as batch clearing) on the basis of
members’ checking account balance. In case where a member’s checking account
balance is insufficient, comply with regulations on electronic clearing under
Circular guiding intermediary payment service of the SBV.
3. Once batch clearing
is required, clearing house presiding organizations shall create batch clearing
request with structure and data format regulated by SBV (Form No. TTLNH-30),
add digital signatures and send to the NPSC.
4. Presiding
organizations may cancel unsuccessful clearing batches sent to the NPSC to
supervise order of priority and conform to balance of members of clearing
batches.
5. When clearing batches
are processed and settled successfully at the NPSC, the NIEPS shall create and
send transactions of clearing batches to members and member-affiliated
entities. Members and
member-affiliated entities shall receive, supervise, print transactions of
clearing batches and settle as per applicable law.
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a) For transaction
center:
- Schedule for
comparison results of clearing batches received from the NPSC (Form No.
TTLNH-31);
- Reports on comparison
results of clearing batches (Form No. TTLNH-32)
b) For presiding
organizations:
- Schedule for consolidated
comparison results of clearing batches sent to the NPSC (Form No. TTLNH-33);
- Schedule for
comparison results of clearing batches received from the NPSC (Form No.
TTLNH-31);
c) For members and
member-affiliated entities participating in clearing batches:
Schedules for
comparison results of clearing batches (Form No. TTLNH-34).
7. Actions to be taken
in case clearing batches have errors.
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8. In order to adopt clearing
settlement for other systems, presiding organizations must meet following
requirements:
a) Submit application
for settlement clearing service (Form No. TTLNH-29) via computer network, in
person or via postal service to the SBV (via NIEPS operators);
b) Requirements for
human resources:
- At least 2 operator
individuals must be issued with license or certificates for professional
training and operational training of the NIEPS;
- Officials assigned or
authorized to transmit, receive settlement data shall sign clearing batches for
approval with digital signatures provided by the SBV according to Circular on
management, use of digital signatures, digital certificates and digital
signature authentication service of SBV;
c) Technical
requirements:
- Having primary system
and backup system for software and databases;
- Having at least 1
primary transmission and independent 1 backup transmission connecting with the
NIEPS;
- Bearing at least 2
successfully activated digital signatures (1 digital media signature and 1
digital signature of approval individual);
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dd) Having written
agreement sent to the SBV (NIEPS operators) on execution of clearing
obligations between presiding organizations and settlement members. Said agreements must
include indefinite authorization period and irrevocable clauses to enable SBV
(transaction center) to actively record debit in their checking accounts and
deal with deposited accounts (when establishing clearing quota) for clearing
settlement or execution of risk sharing obligations in case settlement members
producing certificates for indebtedness lack settlement clearing capital and
thus solvency is not guaranteed according to regulations and law on electronic
clearing under Circular guiding intermediary payment services of SBV;
e) Having
confirmation of transaction center regarding the fact that members of the NIEPS
have deposited to establish electronic clearing quota according to Circular
guiding intermediary payment service of the SBV.
9. Upon changes to
members of the NIEPS participating in settlement clearing services from other
systems, NIEPS operators shall send application for revised list of members
participating in settlement clearing service from other systems (Form No.
TTLNH-35) via computer network, in person or via postal service to SBV (NIEPS
operators).
10. When having no use of
settlement clearing service of the NIEPS, presiding organizations shall send
application for cessation of settlement clearing service (Form No. TTLNH-36) to
SBV (NIEPS operators) via computer network, in person or via postal service.
11. NIEPS operators shall
upload changes to presiding organizations and NIEPS members participating in
settlement clearing service from other systems to website of SBV.
Chapter V
1. In case where a
member’s account is insufficient for payment, the NPSC shall:
a) retain high-value
payment orders or low-value clearing results or net settlement results in VND
from other systems in the queue;
b) retain foreign
currency payment orders for payment in respective foreign currency;
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d) perform queue
management as follow:
- Examine balance of
checking accounts on a periodic basis;
- Order of settlement:
low-value clearing results, net settlement results from other systems,
high-value payment orders and foreign currency payment orders if the checking
account balance in the corresponding currency is sufficient;
- Process cancellation
orders on a FIFO basis.
2. Members and
member-affiliated entities may only cancel high-value payment orders, foreign
currency payment orders and low-value payment orders in the queue at the NPSC:
a) When receiving a
cancellation order from a payment order processing entity, NPSC shall verify
its validity according to the logs;
b) If a cancellation
order is valid and standing in the queue at NPSC, the cancellation will be
performed and the cancellation result will be notified to the payment order
processing entity. If the cancellation
order is not standing in the queue, the system will send a notification to the
payment order processing entity.
1. For high-value
payment orders in VND:
a) A member (except
State Treasury) may overdraw within the limit issued under regulations of SBV
on overdraw and overnight lending in interbank electronic payment to process
high-value payment orders;
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c) The member may
increase its checking account balance from its own fund or through monetary
market transactions (except State Treasury) or mutual lending on the interbank
market as prescribed by the SBV;
d) When the NIEPS
stops receiving high-value payment order, if the checking account balance is
still insufficient, high-value payment orders in the queue will be
automatically cancelled.
Members
and member-affiliated entities may check the status of such payment orders by
sending inquiries.
2. For payment orders in
foreign currency:
a) The member shall
increase its checking account balance from its own funds or mutual loan between
other participants (other than State Treasury) as prescribed by the State bank;
b) When the NIEPS
stops receiving foreign currency payment orders, if the balance of the
corresponding checking account with corresponding currency is still
insufficient, the foreign currency payment orders in the queue will be
automatically cancelled.
Members
and member-affiliated entities shall check the status of payment orders by
sending inquiries.
3. For low-value
clearing results:
a) A member (except
State Treasury) may overdraw within the limit to process clearing results;
b) The member may
increase its checking account balance from its own fund or through monetary
market transactions (except State Treasury) or mutual lending on the interbank
market as prescribed by the SBV;
c) In case where a
member is not able to settle the net payables when the NIEPS stops receiving
high-value payment orders and the balance is still insufficient after the
deposit has been used to establish the threshold from the participant’s deposit
account (if any), the member (other than State Treasury) shall complete Form
TTLNH-28 and submit it to the transaction center to obtain a clearing loan at
the overnight rate imposed by the Governor of the State bank;
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4.[11] Net settlement
results from other systems shall be processed in accordance with Clause 2 and
Clause 3 Article 25 of this Circular.
1. On the working day
succeeding the day on which the clearing loan is granted, the member shall
repay the principal and interest to the SBV. If the member does not repay the clearing
loan by the end of the working day succeeding the day on which it is granted,
the transaction center shall convert the loan into an overdue loan, the
interest rate on which is equal to the overdue overnight rate imposed by the
State bank.
2. On the working day
succeeding the day on which the clearing loan is granted, the transaction
center shall take measures to collect the loan (principal first, interest
later, including initial interest, overdue interest on the principal and
overdue interest on the interest) and notify the member. To be specific:
a) Deduct the loan
from the member’s VND checking account opened at the transaction center;
b) Request
organizations that receive deposited securities to transfer them to the SBV. The transfer of
securities as loan repayment shall be carried out similarly to the case in
which a credit institution has an overdue overnight loan prescribed by the SBV;
c)[12] If the clearing loan
is not completely repaid after the measures specified in Points a and b are
adopted, the transaction center shall share the loan among other members in
clearing settlement (other than State Treasury) in the same session and inform
each member of its contribution. The contribution is calculated as follows:
Contribution by
participant i = A x 
Where:
A: Total amount of
outstanding loan to be shared..
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C: Total average
amount payable by members within 20 working days before the loan is granted.
C
= 
n: Number of members
among which the loan is shared.
i: from 1 to n
In case new members
send low-value payment orders in the NIEPS under 20 working days, rely on
actual number of working days of said members on the NIEPS.
3. Sharing
procedures.
a) On the working day
succeeding the day on which the transaction center notifies members of their
contribution, the transaction center shall withdraw the contribution from the members’
account;
b) If a member’s
account is not sufficient, the transaction center will request Governor of the
SBV to consider suspending the provision of low-value payment order sending
services for such members until the working day succeeding the day on which
such members fully transfers the amount to the transaction center. The
transaction center will monitor balance of member’s checking account opened at
the transaction center and withdraw the outstanding amount plus (+) an interest
at the overdue overnight rate imposed by the SBV.
4. Return of
contributions.
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b) When contributions
under Point a of this Clause are received, the transaction center shall return
them (principal and interest, as defined under Point a of this Clause) to the
participants that made such contributions on the basis of payable, percentage
of payables of each member and total contribution amount.
5. In case where the
member that took the clearing loan goes bankrupt, the SBV may repay the loans
in accordance with regulations of law on bankruptcy and return the
contributions to members in proportion to the collected amount.
Chapter VI
1. Consistency of data
between the payment order processing entities, payment order receiving entities
and NPSC is maintained.
Errors
are corrected where they are made until the end of the payment process. Spontaneous
correction of errors in the NIEPS is prohibited.
2. Errors are
immediately corrected upon discovery without delay to payment process. Error correction is
conformable with accounting principles.
3. The entity or
individual that makes the error or violates any of the rules for error
correction is liable to pay damages to relevant parties.
Article 30.
Cancellation and return of payment orders at members and member-affiliated
entities
1. Rules:
a) A payment order
may only be cancelled in the following cases:
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- The payment order has
been transmitted to NPSC and is still in the queue, in which case instructions
under Point b Clause 1 Article 33 of this Circular shall be followed;
b) A payment order
may only be returned in the following cases:
- A debit order may
only be returned when payment order processing entity has not credited the
client’s account or has credited the client’s account but has not retrieved it;
- A credit order may
only be reversed when a payment order receiving entity has not credited the
client’s account or has credited the client’s account but has not retrieved it;
2. Documents on
cancellation and return of payment order:
a) Documents on
cancellation of payment order include:
- Credit cancellation
order, which has the same value as a credit order, created and transmitted to a
payment order receiving entity by a payment order processing entity to cancel
the erroneous debit order (to return the amount in full);
- Debit cancellation
order, which is created by a payment order processing entity to cancel a credit
order which has been transmitted but still in the queue;
b) Documents on
return of payment order include:
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- Notice on
acceptance of request for payment order return, which is created by a payment
order receiving entity to accept the request for payment order return if the
money has been retrieved;
- Notice on rejection
of request for payment order return, which is created by a payment order
receiving entity to reject the request for payment order return because the
money cannot be retrieved from the client.
3. Member-affiliated
entities shall process cancellation and return of payment orders in the same
manners as high-value payment orders.
Article 31.
Correction of errors caused by members, member-affiliated entities in payment
order processing entities
1. Correction of
errors before a payment order is transmitted
a) If a payment order
is found erroneous before a payment order approval individuals adds his/her
digital signature for transmission, the payment order approval individual and supervisor
shall reject the payment order and the payment order initiator shall correct it
according to original documents;
b) If a payment order
is found erroneous before a payment order approval individual has added his/her
digital signature for transmission, it is mandatory to issue a cancellation
record which specifies the symbol, time and date of cancellation, bears the
signatures of the relevant payment order approval individual, supervisor and
initiator. The cancellation record shall be separately retained; then the
payment order approval individual shall reject the payment order and request
the initiator to correct it according to original documents.
2. Correction of
errors after a payment order is transmitted
When finding errors
such as incorrect amount, confusion between credit account and debit account,
etc. the payment order processing entity shall promptly notify the payment
order receiving entity. The payment order processing entity must complete Form
TTLNH-23, identify the causes, accountability and solution:
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Create and send
additional payment order(s) to payment order receiving entities to make up for
the difference based on cancellation record. The additional payment order(s)
must specify that the amount of ………… is added to the payment order No. … dated
… and settled as per applicable law;
b) In case of excess
amount:
- Regarding a credit
order:
Issue a request for
credit order return and send it to the payment order receiving entity; issue a
transfer note and monitor the process in accordance with applicable regulations
of law. Specify in the request that the error is made by the payment order
processing entity.
As soon as the
request for return is received from the payment order receiving entity, the
payment order processing entity shall return the excess amount to the client
and log the event.
If the request is
rejected by the payment order receiving entity because the excess amount cannot
be retrieved from the client, the payment order processing entity shall
establish a council to determine accountability and damages to be paid by the
error maker;
- Regarding a debit
order:
Issue a request for
return of the debit note and send it to the payment order receiving entity in
order to cancel the excess amount on the order.
If money has been
transferred to the client but the client’s account balance is not sufficient to
cancel the debit order, the payment order processing entity shall record the
excess amount as an amount payable and take every measure possible to retrieve
the money such as cooperating with the payment order receiving entity, local authority,
law enforcement authorities such as the police or the court, if the money
cannot be retrieved, the payment order processing entity shall establish a
council to determine accountability and damages to be paid by the error maker. When
receiving a notification of return of money from the client, the order-creating
unit shall follow instructions of applicable regulations of law;
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The payment order
processing entity shall keep record, issue an order to cancel the debit order
(if confusion between credit account and debit account is found in a credit
order) or a request for credit order return (if confusion between credit
account and debit account is found in a debit order) to completely cancel such
order, then create a correct payment order and send it to the order-receiving
unit.
In case confusion
between credit account and debit account is found in debit order, the payment
order processing entity shall settle as per applicable laws upon receiving
credit order of payment order receiving entity returning the erroneously
transferred money.
Article 32.
Correction of errors caused by members, member-affiliated entities in payment
order receiving entities
1. In case where a
payment order is found erroneous because of a technical error or fraud before
settlement time, the payment order receiving entity shall cooperate with the
payment order processing entity and the NIEPS operator in handling the case.
2. Regarding payment
order with insufficient amount:
When receiving the
additional payment order from the payment order processing entity, the payment
order receiving entity shall compare it with the erroneous payment order before
settlement.
3. Regarding a payment
order with excess amount:
a) If the error is
found before the client is paid:
If the payment order
receiving entity receives the request for return of the excess amount before it
is received, the payment order receiving entity shall log such erroneous
payment order. When receiving the erroneous payment order, the payment order
receiving entity shall compare it with the request for return of the excess
amount and settle the payment in accordance with applicable regulations of law.
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- Regarding a debit
order with excess amount: monitor and process the cancellation order sent by
the payment order processing unit;
b) In case where the
request for return of the excess amount is received after the client is paid,
the payment order receiving entity shall log the erroneous payment order and
handle the case as follows:
- Regarding a credit
order with excess amount:
As soon as valid request
for return of the excess amount is received from the payment order processing
unit:
+ In case where the
client’s checking account balance is sufficient: the payment order receiving
entity shall freeze the excess amount to issue a credit order without prior
notification to or prior consent of the account holder. Within 01 working day
from the day on which request for return of the excess amount is received, the
payment order receiving entity shall return the excess amount to the payment
order processing entity;
+ In case where the
client’s checking account balance is insufficient: the payment order receiving
entity shall log the unfulfilled request, freeze the account and request the
client to deposit money in order to fulfill such request. When the client
deposits sufficient money or when the client’s account balance is sufficient,
the accountant shall removed the unfulfilled request, issue a credit order and
send it to the payment order processing entity;
+ In the cases where
the client is insolvent or the client’s residence cannot be found, the payment
order receiving entity shall cooperate with the payment order processing
entity, local authority and law enforcement authorities in retrieving the
money. If the money cannot be retrieved or cannot be fully retrieved, the
payment order receiving entity shall reject the request for return of the
excess amount, issue a notice of rejection and provide explanation, send it and
the retrieved money (if any) to the payment order processing entity; log the
unfulfilled request for return of the excess amount.
4. Correction of
other errors
Regarding incorrect
type number, transaction number, currency or the unit serving the recipient is
not the order-receiving unit or its affiliated unit:
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b) The payment order
receiving entity shall process executed payment orders in accordance with Point
b Clause 3 of this Article.
Article 33.
Cancellation and return of payment orders at clients’ request
1. Processing at the
payment order processing entity:
When receiving the
request for cancellation of a credit order or debit order from a client, the
payment order processing entity shall check validity of documents and compare
it with the order to be cancelled. If the documents are invalid, they will be
returned to the client with explanation. If the documents are valid:
a) If the payment
order has not been executed or sent, it will be cancelled in accordance with
Article 30 of this Circular; the payment order processing entity shall send a
notification of payment order cancellation to the client and will not execute
such payment order;
b) If a high-value
payment order, foreign currency payment order or debit the Law on Inspection
has been executed and sent but is still in the queue (because the balance of
the corresponding account is not sufficient) or a low-value payment order has
been executed and sent but is still in the queue at the NPSC, it will be
cancelled as follows:
- Regarding request
for cancellation of a credit order:
+ According to the
valid cancellation request submitted by the client, the creator shall make
necessary supplementation, issue a cancellation order (Form TTLNH-05) and add
his/her digital signature to such cancellation order;
+ The payment order
approval individual must inspect the consistency of information on the
cancellation order made by the creator and that made by the client. If they are
consistent, the payment order approval individual will add his/her digital
signature to the cancellation order and send it.
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- Point a Clause 2
Article 30 hereof shall apply to cancellation of debit orders;
c) If the payment
order has been processed and sent, and settled by NPSC, the payment order
processing entity shall prepare a request for payment order reversal and follow
these instructions:
- Regarding request for
credit order return:
+ According to the
valid cancellation request submitted by the client, the creator shall make
necessary supplementation, issue a cancellation order (Form TTLNH-06) and add
his/her digital signature to such return order; The electronic message must
specify that the error is made by the client;
+ The payment order
approval individual must inspect the consistency of information on the return
order made by the creator and that made by the client. If they are consistent,
the payment order approval individual will add his/her digital signature to the
return order and send it;
+ When the money
returned by the payment order receiving entity is fully received, the payment
order processing entity shall follow procedures for returning it to the client;
- Regarding a
cancellation of a debit order:
According to the
successful cancellation order, the payment order processing entity shall
withdraw the credited amount from the client’s account and transfer it to the
payment order receiving entity.
2. Processing at the
payment order receiving entity:
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a) If return request
is found erroneous, the payment order receiving entity shall send the payment
order processing entity a notice of rejection of the request for return of the
credit order (Form TTLNH-07) and provide explanation; if the cancellation order
is found erroneous, the payment order receiving entity shall process it as if
an erroneous incoming credit order;
b) If the return
request (or cancellation order) is valid:
- If the incoming
credit order is yet to be executed by the payment order receiving entity, the
payment order receiving entity shall promptly send the payment order processing
entity a notice of acceptance of the return order and a return credit order;
- If the payment
order has been executed by the payment order receiving entity:
+ Regarding a request
for return of an incoming credit order:
The payment order
receiving entity shall promptly send the request for return to the client. Before
the client agrees in writing or deposits cash or issues a transfer order to
return the money, the payment order receiving entity must not send the payment
order processing entity the notice of acceptance of the return request. After
that, the payment order receiving entity shall issue a credit order to return
the money to the payment order processing entity.
If the return request
is rejected by the client, the payment order receiving entity shall send the
payment order processing entity a notice of rejection of the return request;
+ Regarding a debit
cancellation order: the payment order receiving entity shall send the notice of
acceptance of the cancellation order to the client.
Article 34. Request
for information check and responses thereto
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
1. The order-creating
unit or order-receiving unit shall issue a request for information check (Form
TTLNH-08)
2. Procedures for
processing a request for information check:
a) Creating an
electronic message:
- Payment order
initiator enters data;
- Payment order
approval individual supervises and adds his/her digital signature;
- Send the electronic
message to the NPSC; print out the electronic message which must bear both
people’s signatures;
b) Receiving
electronic message:
- Payment order
approval individual checks the digital signature;
- Payment order
initiator approval individual sign the physical copy of the electronic message.
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4. Retention of requests
for information check and responses thereto.
Requests for
information check and responses bearing signatures shall be retained together
with original payment orders and are the basis to pay clients.
Article 35.
Correction of technical errors in the NIEPS
1. Common errors
a) Errors to the
hardware, software, database, digital signatures, transmission line;
unsuccessful transactions because of terminal devices shall be notified as
follows:
- If the error occurs
at a member or member-affiliated entity: send a notification and record about
the technical issue to the NIEPS operator (Form TTLNH-22) if the error cannot
be fixed within 30 minutes;
- If the error occurs
at the NPSC: notify the entire system if the error cannot be fixed within 02
hours;
- If the error occurs
at a branch of the SBV: inform the NIEPS operator if the error cannot be fixed
within 30 minutes;
b) The notification
shall be transmitted via the computer network, email, fax or telephone;
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d) The NIEPS operator
shall provide instructions and fix the technical issues in accordance with
error correction procedures of the NIEPS.
2. Unsuccessful
transmission of payment orders.
a) Regarding an
outgoing payment order:
- In the cases where
a payment order is sent without response because of a technical error, the
member or member-affiliated entity shall:
+ Send an inquiry or
cooperate with the NIEPS operator in updating the status of the payment order
in the NIEPS;
+ If the status of a
payment order is unsuccessful:
Resend the payment
order.
If the payment order
cannot be executed after being resent, the member or member-affiliated entity
shall issue a cancellation order. The payment order initiator and approval
individual shall sign the successful cancellation note sent by the NIEPS and
retain its physical copy. After the cancellation is successful and all
necessary procedures are completed, the member or member-affiliated entity may
reissue another payment order with new entries to replace the cancelled one or
return the money to its client.
If the re-sent
payment order is still unsuccessful and cannot be cancelled, the member or
member-affiliated entity shall issue a record on such event. By comparing the result
of end-of-day outgoing orders and the result of settlement between the
member/member-affiliated entity and NPSC, the member/member-affiliated entity
may retain the settled entries or return the money or issue a new payment
order;
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b) Regarding an
incoming payment order:
In case of inability
to decode or receive data, the member/member-affiliated entity shall request
the NIEPS operator to change the status of data, receive, decode and re-inspect
the data;
c) In case where a
technical issue occurs to the outgoing or incoming payment order, the
member/member-affiliated entity shall carefully control and compare it to avoid
duplication (of the outgoing payment order) or excess amount (of the incoming
payment order);
d) No connection to
the NIEPS or branch of the SBV:
In the cases where a
member/member-affiliated entity is unable to connect to the NIEPS to verify or
compare information due to faulty computer system or transmission line, etc. it
must notify the NIEPS operator of the issue in other manners (by email, fax,
telephone, etc.). Regarding an incomplete payment order, the
member/member-affiliated entity only pays the client after the issue is fixed
and the final status of the payment order is confirmed.
3. Within 02 hours
from the occurrence of the incident that causes NPSC to be unable to function, Information
Technology Department[13] shall consider switching
to the BNPSC. After the issue is fixed, the transactions will be moved back to
NPSC.
4. Force majeure
errors
A force majeure error
means an error that occurs beyond the reasonable control of the person
operating the NIEPS, cannot be anticipated and suspend the NIEPS for more than
02 hours. If the error cannot be fixed:
a) Information
Technology Department[14] shall report the
error to the Governor of the SBV;
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c) Members of the
NIEPS are notified via the computer network, email, fax or telephone.
Chapter VII
REPORT AND REPORT PROCESSING
Article 36. Daily
reports transaction center
1. Preparation of
daily transfer reports of the NIEPS
After comparing daily
transfers, the transaction center shall prepare an electronic report on daily
payments in the NIEPS, which consists of:
a) Form TTLNH-10
(transactions by member-affiliated entities);
b) Form TTLNH-11
(transactions by members);
c) Form TTLNH-12
(transfer balance sheet);
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dd) Form TTLNH-14;
e) Form TTLNH-15
(consolidated settlement results);
g) Form TTLNH-24
(high-value payments);
2. Report processing
a) The payment
controller of the transaction center shall control both physical and electronic
daily transfer reports and balance sheets to ensure their accuracy and
consistency;
b) Daily reports of
the NIEPS shall be retained after being controlled and compared; the payment
controller shall sign the reports. Retention of daily transfer reports of the
NIEPS:
- Physical reports
bearing adequate seals and signatures shall be retained in the same manners as
other physical documents;
- Electronic daily
transfer reports shall be retained in the same manners of other electronic
documents.
Article 37.
Preparation and processing of reports by members and member-affiliated entities
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a) Form TTLNH-16
(outgoing transfers);
b) Form TTLNH-17
(incoming transfers);
c) Form TTLNH-18
(outgoing transfer comparison);
d) Form TTLNH-19
(incoming transfer comparison);
dd) Form TTLNH-20
(settlement results);
2. Report processing
a) Rules:
- The total
debit/credit amount in Forms TTLNH-16 must equal that in Form TTLNH-18;
- The total
debit/credit amount in Forms TTLNH-17 must equal that in Form TTLNH-19;
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b) Correction of
erroneous reports:
Where an error is
found, the member-affiliated entity shall contact the NIEPS operator to correct
it in cooperation.
3. Reports prepared at
members:
a) Form TTLNH-16
(outgoing transfers);
b) Form TTLNH-17
(incoming transfers);
c) Form TTLNH-18
(outgoing transfer comparison);
d) Form TTLNH-19
(incoming transfer comparison);
dd) Form TTLNH-20
(member-affiliated entities' settlement results).
e) Form TTLNH-21
(members’ settlement results).
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Article 38. Monthly
reports
Apart from the forms
mentioned in Article 36 and Article 37 of this Circular, the units shall submit
reports in accordance with regulations promulgated by the SBV.
Chapter VIII
PARTICIPATION, USE OF SERVICES AND WITHDRAWAL
FROM NIEPS
Article 39.
Participation in NIEPS
1. Participation in the
NIEPS.
a)[15] Banks, branches of
foreign banks, the Central State Treasury that wish to participate in the NIEPS
shall submit Form TTLNH-01 to the SBV (NIEPS operator) via computer network, in
person or postal service.
b) Banks, branches of
foreign banks, the Central State Treasury that wish to have their affiliated
entities or indirect member-affiliated entities to participate in the NIEPS
shall submit Form TTLNH-03 to the SBV (NIEPS operator) via the computer
network.
2. The NIEPS operator
shall announce every change in the members, member-affiliated entities and
indirect member of the NIEPS on the web portal of the SBV.
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a) have a VND
checking account opened at the transaction center;
b) have suitable
foreign currency checking accounts opened at the transaction center if making
payment in foreign currencies;
c) satisfy the
following personnel requirements:
- At least 2 operator
individuals must be issued with license or certificates for professional
training and operational training of the NIEPS;
- The officer
authorized to transmit and receive payment data and sign payment orders has a
digital signature issued by the SBV in accordance with the Circular of the SBV
on management and use of digital signatures, digital certificates and digital
signature authentication services;
d)[16] satisfy the
following technical requirements:
- Having primary system
and backup system for software and databases;
- Having at least 1
primary transmission and independent 1 backup transmission connecting with the
NIEPS;
- Bearing at least 2
successfully activated digital signatures (1 digital media signature and 1
digital signature of approval individual).
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3. To use services of
the NIEPS, a member-affiliated entity must:
a) satisfy the
requirements specified under Point c Clause 1 of this Article;
b) satisfy the following
technical requirements:
- Having primary system
and backup system for software and databases;
- Having at least 01
transmission line connected to the NIEPS;
- Bearing at least 2
successfully activated digital signatures (1 digital media signature and 1
digital signature of approval individual);
c) have Form TTLNH-03
submitted by the member.
4.[17] Before using services
of the NIEPS, member-affiliated entities affiliated to the State bank, banks,
branches of foreign banks and the Central State Treasury shall submit the
following documents to the NIEPS operator via the computer network, in person
or via postal service:
a) Documents (except
affiliated entities of the SBV) about pledged or deposited securities or money
to establish threshold in the NIEPS which are certified by the transaction
center in case of applying for the service of sending low-value payment orders;
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c) Applications for
provision of NIEPS services for members and member-affiliated entities (Form
TTLNH-26) as the case may be.
5.[18] The NIEPS operator
shall announce every change in NIEPS services used by members and
member-affiliated entities on the web portal of the SBV.
1.[19] Banks, branches of
foreign banks, the Central State Treasury that wish to stop using one or multiple
payment order sending services shall submit Form TTLNH-27 the NIEPS operator
via the computer network, in person or via postal service.
2. The Governor of the
SBV shall consider suspending provision of certain payment services of the
NIEPS for a member that fails to maintain fulfillment of requirements
specified under Points c and d Clause 1 Article 40 hereof; a member-affiliated
entity that fails to maintain fulfillment of personnel and technical
requirements specified under Points a and b Clause 3 Article 40 hereof until
such requirements are fulfilled.
3. The Governor of the
SBV shall consider suspending provision of payment order sending services in
the NIEPS for a member or member-affiliated entity having a technical issue
that interrupt the operation of its system. To be specific:
a) If interruption
occurs more than 04 times in a month, payment order sending services shall be
suspended for 05 working days from the occurrence;
b) If interruption
occurs more than 11 times in a quarter, payment order sending services shall be
suspended for 10 working days from the occurrence;
c) If interruption
occurs more than 19 times in a year, payment order sending services shall be
suspended for 01 month from the occurrence.
4. The Governor of the
SBV shall consider suspending provision of low-value payment order sending
services for a member or member-affiliated entity in the following cases:
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b) If the member’s
balance is sufficient twice a month or more, the NIEPS operator shall request
the Governor of the SBV to consider suspending provision of low-value payment
order sending services for such participant for 01 month;
c) Provisions under
Point b Clause 3 Article 28 hereof shall apply;
d) If a member is
unable to repay a loan, which has to be shared among other members, the
transaction center will request the Governor of the SBV to consider suspending
low-value payment order sending services for such member. The suspension will
last for 6 months from the day on which the Governor of the SBV notifies all
members and member-affiliated entities in writing.
5. In case where a
member or member-affiliated entity is put under special control, the Governor
of the SBV shall consider suspending provision of certain services of the NIEPS
for such member or member-affiliated entity to ensure safety of the NIEPS.
6. The NIEPS operator
shall post information about termination or suspension of provision of NIEPS
services for members and member-affiliated entities on the web portal of the
State bank.
Article 42.
Termination of membership
Membership of a
member, member-affiliated entity or indirect member-affiliated entity shall be
terminated when:
1.[20] The member has
settled debts incurred during its participation in the NIEPS, annual fees and
payment fees (if any), and has submitted a request for withdrawal from the
system (Form TTLNH-02) to the SBV (the NIEPS operator) via the computer
network, in person or via postal service.
2. The member is
dissolved, bankrupt, acquired or consolidated.
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3a.[21] NIEPS operators upon
receiving application for withdrawal from the NIEPS shall suspend payment order
sending service of members, member-affiliated entities at request and request
transaction center or branches of the SBV in provinces and cities where
members, member-affiliated entities open checking accounts in writing to
cooperate in verifying completion of debt repayment obligations that arise in
participation in the NIEPS, annual fees and payment fees (if any).
4. The NIEPS operator
shall announce termination of memberships on the web portal of the SBV.
Chapter IX
RIGHTS AND RESPONSIBILITIES OF UNITS
Article 43. Rights
and responsibilities of members and member-affiliated entities
1. Members and
member-affiliated entities have the rights to:
a) use payment
services provided by the NIEPS;
b) request the NPSC
to confirm the receipt of payment orders they sent and provide information
about execution thereof;
c) request the NPSC
to cancel payment orders in accordance with this Circular;
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2. Members and
member-affiliated entities have the responsibilities to:
a) managing payment
and settlement activities and threshold under its management;
b) receiving and
processing electronic data from NSPC at the end of a working day. Data includes:
- Amounts receivable
(payable) to the member’s checking accounts;
- Amounts receivable
(payable) of each member-affiliated entity, according to which the member shall
settle payments on behalf of its affiliated entities;
- Every outgoing and
incoming payment orders in details of all member-affiliated entities in the
NIEPS;
c) instructing its
affiliated entities to implement documents and directives of the SBV regarding
interbank electronic payment;
d) adhering to
regulations on creation and transmission of payment orders via the NIEPS;
taking responsibility for the accuracy of information in the payment orders;
dd) cooperating with
the NIEPS, other participants and affiliated participants in correction of
errors that occur during the operation of the NIEPS and switching over to the
backup system;
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g) implementing
regulations on fee and fee management in the NIEPS specified under Article 7 of
this Circular;
h) refraining from
revealing or providing information obtained from the NIEPS to irrelevant
entities, unless such information is requested by a competent authority as
prescribed by law;
i) sharing the overdue
clearing loan taken by other members;
k) maintaining its
checking account balance to execute payment orders and clearing via the NIEPS;
l) requesting
withdrawal of the digital certificate (if any) used in interbank electronic
payment in accordance with regulations of the SBV in case member,
member-affiliated entity terminates its membership;
m) maintaining
infrastructure and resources specified under Points c and d Clause 1, Points a
and b Clause 3 Article 40 of this Circular;
n) registering email
addresses for exchange of information related to the NIEPS;
o) adhering to the
schedule of the NIEPS to ensure convenient, accurate, timely and safe payments;
p) regularly
monitoring and maintaining current threshold;
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r)[22] notifying status
received from NSPC for processing and settlement of payment orders for clients
(if any).
Article 44. NIEPS
operating council
1. The NIEPS operating
council is established under the decision of the Governor of the SBV and
consists of: a chief who is the Deputy Governor of the SBV, members who are
representatives of Information Technology Department[23], Payment Department,
transaction centers and heads of other units.
2. The NIEPS operating
council shall:
a) advise the
Governor of the SBV about NIEPS development strategies and plans;
b) advise the
Governor of the SBV about development and management of comprehensive risk
management of the NIEPS;
c) advise the
Governor of the SBV about other foreign currencies in the NIEPS as prescribed
in Clause 1 Article 1 of this Circular;
d) advise the
Governor of the SBV about making of the decisions specified in Clause 2 and
Clause 3 Article 9; Clause 2 Article 10; Point a and Point b Clause 3 Article
21; Point b Clause 3 Article 28; Point b Clause 4 Article 35; Clauses 2, 3, 4,
and 5 Article 41 of this Circular;
dd) perform other
tasks related to the management and operation of the NIEPS specified in its
statute promulgated by the Governor of the SBV.
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1. Connect to the NPSC
to complete procedures for high-value payments, foreign currency payments and
low-value payments among members.
2. Monitor and manage
checking accounts.
a) Monitor and manage
members’ checking account balance as follows:
- Determine
start-of-day balance of members’ checking accounts to serve their payments
activities in the day on a daily basis;
- Process transfers
among member-affiliated entities in case of funds increase;
- Update the status of
checking accounts;
- Control and compare
data about money transfers among SBV units;
- Consolidate daily and
monthly money transfer data of SBV units;
b) Provide the
following electronic information for members promptly and at any time via the
NPSC:
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- Status of clearing
settlement requests;
- Status of settlement
requests in the queue;
- Status of settlement
requests that have been cancelled;
- Threshold.
3. Manage clearing
settlement.
a) Monitor, control
the maintenance of threshold of members in accordance with regulations of the
SBV;
b) Manage, calculate
and maintain limits on payments without limits;
c) Process
transactions related to deposited securities and money;
d) Monitor and publish
the status of clearing settlement in accordance with Article 24 of this
Circular.
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5.[24] Recover debts (if
any) incurred in the process of participation in the NIEPS, annual fees and
payment fees (if any) of members and member-affiliated entities of the NIEPS
arising within their remit, and concurrently send a written confirmation to the
NIEPS operator on the status of fulfillment of such obligation upon the
member’s request for withdrawal from the NIEPS.
6. Perform the roles of
a member of the NIEPS and comply with regulations apply to members of the
NIEPS.
Article 46.
Department of Finance and Accounting[25]
Be responsible for
accounting affairs for member-affiliated entities of SBV participating in the
NIEPS.
Article 47. Payment
Department
1. Take responsibility
for payment affairs in the NIEPS.
2. Promulgate
regulations on monitoring of the NIEPS to ensure its stable, safe and effective
operation.
3. Monitor the NIEPS,
access its archives, exchange information with its operator and members to
assess its usual operation on a daily basis. Request the NIEPS operator to
report every change to the NIEPS and every issue that occur.
Article 48.
Information and Technology Department[26]
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2. Directly manage and
take responsibility the infrastructure of the NIEPS.
3. Study, develop and
propose technical solutions for development and expansion of the NIEPS.
4. Carry out periodic
maintenance of the NIEPS to ensure its safe and uninterrupted operation.
5. Propose data
standards of the State bank in the NIEPS to the Governor of the State bank.
Article 49. NIEPS
operator
1. Directly operate the
NIEPS.
2. Receive, process
enquiries; provide instructions on implementation of provisions of Articles 39,
40, 41, and 42 of this Circular.
3. Comply with
regulations and recommendations on monitoring of the SBV (Payment Department);
promulgate and implement internal rules and regulations on risk management to
ensure uninterrupted operation of the NIEPS.
4. Submit monthly
reports to the operating council and Payment Department on status and operating
time of the NIEPS in accordance with regulations of the SBV.
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1. Request the NPSC to
confirm the receipt of payment orders they sent and relevant information.
2. Connect members and
member-affiliated entities in their administrative divisions participating in
the NIEPS.
3. Maintain the
technical conditions under their management to ensure uninterrupted operation
of the NIEPS.
4. Cooperate with the
NIEPS operator, members and member-affiliated entities in correction of errors
that occur during the operation of the NIEPS.
5.[27] Recover debts (if
any) incurred in the process of participation in the NIEPS, annual fees and
payment fees (if any) of members and member-affiliated entities of the NIEPS
arising within their remit, and concurrently send a written confirmation to the
NIEPS operator on the status of fulfillment of such obligation upon the
member’s request for withdrawal from the NIEPS.
Chapter X
IMPLEMENTATION[28],[29]
Article 51.
Transition clauses
1. The SBV, banks,
branches of foreign banks, Central State Treasury, their affiliated units that
have been members, member-affiliated entities or indirect member-affiliated
entities of the NIEPS before the effective date of this Circular are still
members, member-affiliated entities or indirect member-affiliated entities and
keep using the services established on the NIEPS.
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Article 52. Entry
into force [30]
1. This Circular comes
into force from November 1, 2019.
2. Following documents
shall expire from the effective date hereof:
a) Circular No. 23/2010/TT-NHNN
dated November 9, 2010;
Circular No.
13/2013/TT-NHNN dated June 11, 2013;
c) Article 6 of
Circular No. 23/2011/TT-NHNN.
Article 53.
Organization for implementation
Chief of Office,
heads of entities affiliated to the SBV, Directors of branches of the SBV,
General Director/Director of members are responsible for implementation of this
Circular.
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CERTIFIED
BY
PP.
GOVERNOR
DEPUTY GOVERNOR
Doan Thai Son
[1] Basis for issuance
of Circular No. 21/2018/TT-NHNN on amendments to Circular No. 37/2016/TT-NHNN
dated December 30, 2016 of Governor of State Bank of Vietnam:
“Pursuant to Law on
State Bank of Vietnam dated June 16, 2010;
Pursuant to Law on
Credit Institutions dated June 16, 2010 and Law on amendments to Law on Credit
Institutions dated November 20, 2017;
Pursuant to Law on
E-Transactions dated November 29, 2005;
Pursuant to Decree
No. 26/2007/NĐ-CP dated February 15, 2007 of the Government on elaborating to
Law on E-Transactions regarding digital signatures and digital signature
authentication service; Decree No. 106/2011/NĐ-CP dated November 23, 2011 on
amendments to Decree No. 26/2007/NĐ-CP and Decree No. 170/2013/NĐ-CP dated
November 13, 2013 on amendments to Decree No. 26/2007/NĐ-CP and Decree No.
106/2011/ND-CP;
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Pursuant to Decree
No. 101/2012/NĐ-CP dated November 22, 2012 of the Government on non-cash
payments; Decree No. 80/2016/NĐ-CP dated July 1, 2016 on amendments to Decree
No. 101/2012/NĐ-CP;
Pursuant to Decree
No. 16/2017/NĐ-CP dated February 17, 2017 of the Government on functions,
tasks, powers and organizational structures of State Bank of Vietnam;
At request of
Director General of Information Technology Department;
Governor of State
Bank of Vietnam promulgates Circular on amendments of Circular No.
37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of Vietnam on
management, operation and use of National interbank electronic payment system.”
[2] Basis of issuance of
Circular No. 21/2020/TT-NHNN on amendments to Circular No. 37/2016/TT-NHNN
dated December 30, 2016 of Governor of State Bank of Vietnam:
“Pursuant to Law
on State Bank of Vietnam dated June 16, 2010;
Pursuant to Law on
Credit Institutions dated June 16, 2010 and Law on amendments to Law on Credit
Institutions dated November 20, 2017;
Pursuant to Law on
Electronic Transactions dated November 29, 2005;
Pursuant to Decree
No. 130/2018/ND-CP dated September 27, 2018 of Government elaborating to Law on
E-Transactions regarding digital signature and digital signature authentication
service;
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Pursuant to Decree
No. 101/2012/ND-CP dated November 22, 2012 of the Government on non-cash
payments; Decree No. 80/2016/ND-CP dated July 1, 2016 of the Government on
amendments to Decree No. 101/2012/ND-CP;
Pursuant to Decree
No. 16/2019/ND-CP dated February 1, 2019 of the Government on amendments to
Decrees on conditions for business transactions under the regulatory authority
of the State Bank of Vietnam;
Pursuant to Decree
No. 16/2017/ND-CP dated February 17, 2017 of the Government on functions,
tasks, powers and organizational structure of the State Bank of Vietnam;
At request of
Director of Information Technology Department;
The Governor of the
State Bank of Vietnam promulgates the Circular on amendment to Circular No.
37/2016/TT-NHNN dated December 30, 2016 of the Governor of the State Bank of
Vietnam on management, operation and use of the national interbank electronic
payment system (hereinafter referred to as Circular No. 37/2016/TT-NHNN).”
[3] This Clause is
amended under Clause 1 Article 1 of Circular No. 21/2020/TT-NHNN on amendments
to Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank of Vietnam on management, operation and use of National interbank
electronic payment system, coming into effect from April 1, 2021.
[4] The phrase
“Information Technology Administration” is changed into “Information Technology
Department” according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on
amendments on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor
of State Bank on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[5] This Clause is
amended under Clause 2 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[6] The phrase “Information
Technology Administration” is changed into “Information Technology Department”
according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on amendments
on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank on management, operation and use of National interbank electronic payment
system, coming into effect from April 1, 2021.
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[8] This Point is
amended under Clause 4 Article 1 of Circular No. 21/2020/TT-NHNN on amendment to
Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of
Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[9] This Clause is
amended under Clause 5 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[10] This Article is
amended under Clause 6 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[11] This Clause is
amended under Clause 7 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[12] This Point is
amended under Clause 8 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[13] The phrase “Information
Technology Administration” is changed into “Information Technology Department”
according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on amendments
on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank on management, operation and use of National interbank electronic payment
system, coming into effect from April 1, 2021.
[14] The phrase “Information
Technology Administration” is changed into “Information Technology Department”
according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on amendments
on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank on management, operation and use of National interbank electronic payment
system, coming into effect from April 1, 2021.
[15] This Point is
amended under Clause 9 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[16] This Point is
amended under Clause 10 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
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[18] This Circular is
amended under Clause 11 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[19] This Clause is
amended under Clause 12 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[20] This Clause is
amended under Clause 13 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[21] This Clause is
amended under Clause 14 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[22] This Clause is
amended under Clause 15 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[23] The phrase “Information
Technology Administration” is changed into “Information Technology Department”
according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on amendments
on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank on management, operation and use of National interbank electronic payment
system, coming into effect from April 1, 2021.
[24] This Clause is
amended under Clause 16 Article 1 of Circular No. 21/2020/TT-NHNN on amendment
to Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of
Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[25] This Article is amended
under Clause 17 Article 1 of Circular No. 21/2020/TT-NHNN on amendment to
Circular 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of
Vietnam on management, operation and use of National interbank electronic
payment system, coming into effect from April 1, 2021.
[26] The phrase “Information
Technology Administration” is changed into “Information Technology Department”
according to Clause 1 Article 2 of Circular No. 21/2020/TT-NHNN on amendments
on Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State
Bank on management, operation and use of National interbank electronic payment
system, coming into effect from April 1, 2021.
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[28] Article 2
and Article 3 of Circular No. 21/2018/TT-NHNN on amendments to Circular No.
37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of Vietnam on
management, operation and use of National interbank electronic payment system,
coming into effect from August 31, 2018 prescribe:
“Article 2.
Organization for implementation
Chief of Office,
heads of entities affiliated to the State bank, Directors of branches of the
State bank, General Director/Director of participants are responsible for
implementation of this Circular.
Article 3. Entry into
force
This Circular comes
into force from August 31, 2018 and replaces Circular No. 23/2017/TT-NHNN dated
December 29, 2017 of Governor of State Bank of Vietnam on amendments to
Circular No. 37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank
of Vietnam on management, operation and use of National interbank electronic
payment system.”
[29] Article 3
and Article 4 of Circular No. 21/2020/TT-NHNN on amendments to Circular No.
37/2016/TT-NHNN dated December 30, 2016 of Governor of State Bank of Vietnam on
management, operation and use of National interbank electronic payment system,
coming into effect from April 1, 2021 prescribe:
“Article 3.
Organization for implementation
The Office Chief, the
Director of the Information Technology Department, Heads of the State Bank’s
subordinate units, members and central clearing houses shall be responsible for
implementing this Circular.
This Circular comes
into effect from April 1, 2021.”
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