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THE
GOVERNMENT
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SOCIALIST
REPUBLIC OF VIETNAM
Independence - Freedom – Happiness
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No.
156/2025/ND-CP
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Hanoi,
June 16, 2025
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DECREE
ON AMENDMENTS TO DECREE NO. 55/2015/ND-CP DATED JUNE 9, 2015
OF THE GOVERNMENT ON CREDIT POLICIES FOR AGRICULTURAL AND RURAL DEVELOPMENT, AS
AMENDED BY DECREE NO. 116/2018/ND-CP DATED SEPTEMBER 7, 2018 OF THE GOVERNMENT
Pursuant to the Law on
Organization of the Government dated February 18, 2025;
Pursuant to the Law on the State
Bank of Vietnam dated June 16, 2010;
Pursuant to the Law on Credit
Institutions dated January 18, 2024;
At the request of the Governor
of the State Bank of Viet Nam;
The Government hereby
promulgates this Decree on amendments to Articles of Decree No. 55/2015/ND-CP
dated June 9, 2015 of the Government on credit policies for agricultural and
rural development, as amended by Decree No. 116/2018/ND-CP dated September 7,
2018 of the Government.
Article 1.
Amendments to a number of Articles of Decree No. 55/2015/ND-CP dated June 9,
2015 of the Government on credit policies for agricultural and rural
development, as amended by Decree No. 116/2018/ND-CP dated September 7, 2018 of
the Government
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“4. Other regulatory agencies,
organizations, and individuals involved in the implementation of this Decree.”
2. Amend Clause 1 Article 3 of
Decree No. 55/2015/ND-CP as follows:
“1. Rural areas are administrative
boundaries of commune-level administrative units and special zones (excluding
special zones where local governments perform functions and powers
corresponding to those of the local government at ward level).”
3. Add Clauses 14, 15, and 16 to
Article 3 of Decree No. 55/2015/ND-CP, as follows:
“14. The outstanding loan balance
related to damage of an asset means the principal balance of all loans granted
by a credit institution to the customer to form the damaged asset at the time
when the damage occurs, determined corresponding to the level of damage (damage
rate) of that asset.
15. The outstanding loan balance
related to damage of a customer means the total outstanding loan balances
related to damage of the assets as prescribed in Clause 14 of this Article.
16. The written notice of a
widespread natural disaster or epidemic situation is an administrative document
issued by the Province-level People’s Committee for the implementation of the
debt deferral policy under this Decree, including the following main
information: type of natural disaster or epidemic; the scope of widespread
impact of the disaster or epidemic in the locality; the start date and end date
(or ongoing) of the disaster or epidemic; instructions for relevant
organizations and individuals to prepare and complete debt deferral dossiers in
accordance with regulations.”
4. Add Clause 5 to Article 7 of
Decree No. 55/2015/ND-CP, as follows:
“5. Other lawful capital sources of
credit institutions.”
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“1a. Where a customer
simultaneously satisfies the conditions for unsecured loan amounts as
prescribed in Articles 9, 14, 15, and 15a of this Decree, the credit
institution and the customer shall agree on the unsecured loan amount in
accordance with one of the levels specified in these Articles, in compliance
with the law.”
6. Amend Clause 2 Article 9 of
Decree No. 55/2015/ND-CP, as amended by Clause 3 Article 1 of Decree No.
116/2018/ND-CP, as follows:
“2. Individuals, households,
cooperatives, household businesses, farm owners, cooperatives, and unions of
cooperatives shall be considered by credit institutions for unsecured loans at
the following levels:
a) Up to VND 300 million for
individuals and households;
b) Up to VND 500 million for
cooperatives and household businesses;
c) Up to VND 3 billion for farm
owners;
d) Up to VND 5 billion for
cooperatives and unions of cooperatives.”
7. Amend Clause 3 Article 9 of
Decree No. 55/2015/ND-CP, as follows:
“3. Clients obtaining unsecured
loans as prescribed in Clause 2 of this Article and the credit institution
shall agree on the submission by the customer to the credit institution of the
certificate of land use rights and ownership of property on land during the
period of unsecured lending at the credit institution.”
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“Article 12. Maintaining debt
group classification, deferring debt repayment, and granting new loans”
9. Amend Clause 1 Article 12 of
Decree No. 55/2015/ND-CP, as follows:
“1. Credit institutions may
maintain the debt group classification of debts whose principal and interest
balances have been restructured in terms of repayment term in accordance with
regulations of the State Bank of Viet Nam on restructuring repayment terms for
clients facing difficulties due to objective causes or force majeure events as
prescribed in this Decree; and, at the same time, based on the feasibility of
the production or business project or plan and the repayment capability of the
customer, consider granting new loans to help clients overcome difficulties,
stabilize production, and repay both existing and new debts to the credit institution.”
10. Amend Point (iv), Point a,
Clause 3 Article 12 of Decree No. 55/2015/ND-CP, as amended by Clause 6 Article
1 of Decree No. 116/2018/ND-CP, as follows:
“(iv) The minutes certifying the
customer’s damage to loan capital and assets formed from the loan capital,
clearly stating the time of occurrence and the extent of damage resulting from
widespread natural disasters or epidemics, or from objective causes or force
majeure events, with confirmation by the credit institution, the customer, and
competent authorities (confirmation by the Province-level People’s Committee
for enterprises and unions of cooperatives; confirmation by the Commune-level
People’s Committee for household businesses, cooperatives, farm owners,
individuals, households, and partnerships);”
11. Amend Clauses 2 and 3 Article
13 of Decree No. 55/2015/ND-CP, as follows:
“2. Debts maintained in the same
debt group classification under Clause 1 Article 12 of this Decree that remain
within the restructured repayment term shall not be reclassified into a
higher-risk group pursuant to regulations on asset classification applicable to
credit institutions and foreign bank branches. If such debts become overdue
beyond the restructured repayment term and are not further restructured or no
longer have outstanding balances restructured in accordance with Clause 1
Article 12 of this Decree and regulations of the State Bank of Viet Nam, the
credit institution shall classify the debts in accordance with regulations of
the State Bank of Viet Nam on asset classification applicable to credit
institutions and foreign bank branches.
3. Based on Government regulations
on provisioning rates, methods for setting up risk provisions, and the use of
provisions for handling risks in the operations of credit institutions and
foreign bank branches, and the provisions of Clause 1 of this Article, credit
institutions shall set aside risk provisions for the entire outstanding balance
of the customer based on the results of debt classification as prescribed by
the State Bank of Viet Nam on asset classification applicable to credit
institutions and foreign bank branches, without applying the debt group
maintenance under Clause 1 Article 12 of this Decree.”
12. Add Article 15a to Decree No.
55/2015/ND-CP, as follows:
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1. Clients having projects or plans
for production and business of organic agricultural products as prescribed by
law on organic agriculture, or projects or plans for production and business of
agricultural products meeting the criteria of circular economy as prescribed by
law on circular economy, shall be considered by credit institutions for
unsecured loans of up to 70% of the value of such projects or plans.
2. Where clients under Clause 1 of
this Article face risks due to objective causes or force majeure events, their
loans shall be handled in the same manner as loans of focal entities
implementing value chain linkages as prescribed in Clause 3 Article 14 of this
Decree.”
13. Add Clause 7 to Article 18 of
Decree No. 55/2015/ND-CP, as follows:
“7. To provide guidance on the
identification of projects or plans for production and business of organic
agricultural products and projects or plans for production and business of
agricultural products meeting circular economy criteria as prescribed in Clause
1 Article 15a of this Decree.”
14. Amend the title of Article 21
of Decree No. 55/2015/ND-CP, as follows:
“Article 21. Ministry of
Industry and Trade, Ministry of Justice”
15. Amend Clause 2 Article 25 of
Decree No. 55/2015/ND-CP, as follows:
“2. Where multiple state budget
support policies are simultaneously applicable to clients suffering losses due
to objective causes or force majeure events, the customer shall be entitled to
select and benefit from only one state budget support policy.”
Article 2.
Replacement and annulment of a number of phrases, articles, and clauses of
Decree No. 55/2015/ND-CP dated June 9, 2015 of the Government on credit
policies for agricultural and rural development, as amended by Decree No.
116/2018/ND-CP dated September 7, 2018 of the Government
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a) Replace the phrase “Điều 9, 14
và 15” (Articles 9, 14, and 15) in Clause 2 Article 5 with the phrase “Điều 9, Điều
14, Điều 15 và Điều 15a” (Articles 9, 14, 15, and 15a).
b) Replace the phrase “khoanh nợ
không tính lãi đối với dư nợ bị thiệt hại” (debt deferral without interest on
damaged outstanding balances) in Clause 2 Article 12 with the phrase “khoanh nợ
không tính lãi đối với số dư nợ bị thiệt hại của khách hàng từ thời điểm xảy ra
thiệt hại” (debt deferral without interest on the customer’s damaged
outstanding loan balance from the time the damage occurs).
c) Replace the phrase “Ngân hàng
Nhà nước chi nhánh tỉnh, thành phố trực thuộc Trung ương” (State Bank of Viet
Nam branches in provinces and centrally-affiliated cities) in Clause 3 Article
12 and Form No. 01 with the phrase “Ngân hàng Nhà nước chi nhánh tại các Khu vực”
(State Bank of Viet Nam branches in regions).
d) Replace the phrase ““khoản 3 Điều
14 và khoản 3 Điều 15” (Clause 3 Article 14 and Clause 3 Article 15) in Clauses
2 and 4 Article 12 with the phrase “khoản 3 Điều 14, khoản 3 Điều 15 và khoản 2
Điều 15a” (Clause 3 Article 14, Clause 3 Article 15, and Clause 2 Article 15a).
dd) Replace the phrase khoản 2 Điều
9, Điều 14 và Điều 15” (Clause 2 Article 9, Article 14, and Article 15) in
Clause 1 Article 13 with the phrase “khoản 2 Điều 9, Điều 14, Điều 15 và Điều
15a” (Clause 2 Article 9, Article 14, Article 15, and Article 15a).
e) Replace the phrase “cơ cấu lại
thời hạn trả nợ và giữ nguyên nhóm nợ” (restructuring repayment terms and
maintaining debt group classification) in Point a Clause 3 Article 14 with the
phrase “maintaining debt group classification as prescribed in Clause 1 Article
12 of this Decree”.
g) Replace the phrase “Điều 12, 14
và 15” (Articles 12, 14, and 15) in Clause 4 Article 17, Clause 3 Article 19,
and Clause 3 Article 22 with the phrase “Điều 12, Điều 14, Điều 15 và Điều 15a”
(Articles 12, 14, 15, and 15a).
h) Replace the phrase “Bộ Nông nghiệp
và Phát triển nông thôn” (Ministry of Agriculture and Rural Development) in
Article 18 and Clause 1 Article 21 with the phrase “Bộ Nông nghiệp và Môi trường”
(Ministry of Agriculture and Environment).
i) Remove the phrase “, Bộ Kế hoạch
và Đầu tư” (Ministry of Planning and Investment) in Clause 2 Article 12 and
Clause 4 Article 19.
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2. Annul Clause 3 Article 8,
Article 20, Clause 3 Article 21, and Clause 2 Article 22 of Decree No.
55/2015/ND-CP.
Article 3.
Transitional provisions
Credit institutions and clients
shall continue to implement the contents of contracts and agreements already
signed in compliance with the law in force at the time of signing, or amend and
supplement such contracts and agreements in accordance with the provisions of
this Decree.
Article 4.
Entry into force
This Decree comes into force as of
July 1, 2025.
ON
BEHALF OF THE GOVERNMENT
PP. THE PRIME MINISTER
DEPUTY PRIME MINISTER
Ho Duc Phoc