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STATE
BANK OF VIETNAM
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SOCIALIST
REPUBLIC OF VIET NAM
Independence - Freedom – Happiness
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No.
11/2011/TT-NHNN
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Hanoi
, April 29, 2011
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CIRCULAR
PROVIDING FOR THE TERMINATION OF MOBILIZATION AND PROVISION OF
LOANS IN GOLD BY CREDIT INSTITUTIONS
- Pursuant to the Law on the
State Bank of Vietnam No. 46/2010/QH12 dated 16 June 2010;
- Pursuant to the Law on
Credit Institutions No. 47/2010/QH12 dated 16 June 2010;
- Pursuant to the Decree No. 96/2008/ND-CP
dated 26 August 2008 of the Government providing for the functions, duties,
authorities and organizational structure of the State Bank of Vietnam;
- Implementing the Resolution
No. 11/NQ-CP dated 24 February 2011 of the Government on main solutions
focusing on restriction of inflation, stabilizing macro-economy, ensuring
social security;
The State Bank of Vietnam
hereby provides for the termination of mobilization and provision of loans in
gold by credit institutions, foreign bank's branches (hereinafter shortly
referred to as credit institutions) as follows:
Article 1.
Credit institutions shall not be authorized to provide
loans in gold to customers and other credit institutions (including any credit
contract that has already been signed but not disbursed yet or not fully
disbursed yet); not to deposit gold at other credit institutions; not to
perform entrustment, investment operations and other forms of credit extension
in gold.
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Article 3.
Credit institutions shall not be authorized to convert
their fund previously mobilized in gold to Vietnamese dong and other forms in
cash. For the fund in gold that has already been converted to cash, it shall be
subject to final settlement on 30 June 2011 at the latest.
Article 4.
Responsibilities of institutions
1. For credit institutions: To
send report on the mobilization and provision of loans in gold in line with
Appendix 01, Appendix 02, Appendix 03 and Appendix 04 of this Circular; to
supply related information upon request by the State Bank of Vietnam from time
to time.
2. For State Bank's branches in
provinces, cities under the central Government's management:
a. To inspect, examine the
termination of mobilization and provision of loans in gold by credit
institutions in the local area, to deal with acts of violation within the scope
of competence.
b. To send report on the
situation of mobilization and provision of loans in gold by credit institutions
in line with Appendix 05 of this Circular; to report and propose the Governor
of the State Bank to handle any difficulties, queries relating to the
termination of mobilization and provision of loans in gold by credit
institutions in the local area.
3. For the Banking Inspection
and Supervision Department: To supervise, inspect, examine the termination of
mobilization and provision of loans in gold by credit institutions in
accordance with provisions of this Circular; to deal with cases of violation
within the scope of competence; to report and propose the Governor of the State
Bank to handle any difficulties, queries relating to the termination of
mobilization and provision of loans in gold by credit institutions.
Article 5.
Implementation organization
1. This Circular shall be
effective from 01 May 2011.
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3. The Director of the
Administrative Department, Director of the Monetary Policy Department and Heads
of units of the State Bank of Vietnam; Managers of the State Bank’s branches in
provinces and cities under the central Government’s management; Chairman of
Board of Directors and General Directors (Directors) of credit institutions,
and related organizations, individuals shall be responsible for the
implementation of this Circular.
FOR
THE GOVERNOR OF THE STATE BANK OF VIETNAM
DEPUTY GOVERNOR
Nguyen Dong Tien
APPENDIX 01
Name of CI: ……………………
REPORT ON THE MOBILIZATION AND PROVISION OF
LOANS IN GOLD
Month….
year….
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1. Mobilization in gold
a. Balance by gold tael
b. Balance in VND (billion
dong)
c. Average interest rate for
fund mobilization (% per annum)
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2. Lending in gold to
customers
a. Balance by gold tael
b. Balance in VND (billion
dong)
c. Average interest rate for
loan (% per annum)
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e. Ratio of non performing loan
over outstanding of loans in gold (%)
3. Amount of funds in gold
converted into money
a. By gold tael
b. By VND (billion dong)
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a. By gold tael
b. By VND (billion dong)
5. Use for other purposes
a. By gold tael
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6. Gold in vault
a. By gold tael
b. By VND (billion dong)
Drawer
(Signature and full name)
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Instructions for
preparation and sending of report:
- Average interest rate for fund
mobilization, average interest rate for loans shall be calculated under the
weighted average method.
- Average term for fund
mobilization stated in the gold mobilization certificate shall be calculated
under the weighted average method.
- Average term for loan stated
in the loan agreement shall be calculated under the weighted average method.
- To specify other purposes in
item 5.
- Report making unit: credit
institutions which perform mobilization and provision of loans in gold.
- Report recipient: Monetary
Policy Department- State Bank of Vietnam- 49 Ly Thai To, Hoan Kiem, Hanoi (fax:
04. 3936 4620; email: [email protected]).
- Reporting deadline: On the
10th of the month consecutively following the reporting month at the latest.
- Clearly state full name and
contact number of the person in charge of answering report's details upon
request of SBV..
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APPENDIX 02
Name of CI: …………………….
SITUATION OF LENDING IN GOLD
Month…
year …..
Unit:
gold tael, VND billion
Norm
Outstanding
debt at the end of the reporting month
Expected
debt collection of the following month
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Converted
to VND (VND billion)
Gold
tael
Converted
to VND (VND billion)
1
Loans for jewelry gold production
(making) and business
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Consumer loans
3
Loans for real estate
investment and trading
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4
Loans for production, business
(other than jewelry gold production (making) and business)
5
Loans to other credit
institutions
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6
Loans for other purposes
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Total
Drawer
(Signature and full name)
...........,
date.......
General Director
(Signature, full name and seal)
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- To specify other purposes in
item 6.
- Report making unit: credit
institutions which perform mobilization and provision of loans in gold.
- Report recipient: Monetary Policy
Department- State Bank of Vietnam- 49 Ly Thai To, Hoan Kiem, Hanoi (fax: 04.
3936 4620; email: [email protected]).
- Reporting deadline: On the
10th of the month consecutively following the reporting month at the latest.
- Clearly state full name and
contact number of the person in charge of answering report's details upon
request of SBV.
- During the implementation, any
arising query shall be reflected in writing or via the following contact
number: 04-3.8268781; fax: 04. 3936 4620.
APPENDIX 03
Name of CI: …………..
REPORT ON THE MOBILIZATION AND PROVISION OF
LOANS IN GOLD BY THE REMAINING PERIOD
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Unit:
gold tael, VND billion, month
Norm
By
gold tael
Converted
to VND
1. Total fund mobilization in
gold counted by the remaining period of mobilization
a. Less than 01 month
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b. From 01 to less than 06
months
c. From 06 months to less than
12 months
d. From 12 months to less than
24 months
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g. From 60 months and more
2. Total outstanding of
loans in gold counted by the remaining period of the loans
a. Less than 01 month
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b. From 01 to less than 06
months
c. From 06 months to less than
12 months
d. From 12 months to less than
24 months
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e. From 24 months to less than
60 months
g. From 60 months and more
3. Average remaining period
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b. Average remaining period of
loan (month)
Drawer
(Signature and full name)
...........,
date.......
General Director
(Signature, full name and seal)
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- The remaining period of fund
mobilization in gold up to the end of the reporting month shall be calculated
as the period stated in the certificate of fund mobilization in gold minus the
period already mobilized.
- The remaining period of loan
in gold up to the end of the reporting month shall be calculated as the period
of the loan stated in the loan agreement minus the period already lent.
- Norms in item 3 shall be
calculated under the weighted average method.
- Report making unit: credit
institutions which perform mobilization and provision of loans in gold.
- Report recipient: Monetary
Policy Department- State Bank of Vietnam- 49 Ly Thai To, Hoan Kiem, Hanoi (fax:
04. 3936 4620; email: [email protected]).
- Reporting deadline: On the
10th of the month consecutively following the reporting month at the latest.
- During the implementation, any
arising query shall be reflected in writing or via the following contact
number: 04-3.8268781; fax: 04. 3936 4620.
APPENDIX 04
Name of CI: ………….
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Month
… year ….
Unit:
gold tael, VND billion
Norm
Reporting
month
Expected
in the following month
1. Revenue of fund
mobilization in gold
a. By gold tael
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b. By VND (billion dong)
2. Revenue of payment
a. By gold tael
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b. By VND (billion dong)
Drawer
(Signature and full name)
...........,
date.......
General Director
(Signature, full name and seal)
Instructions for
preparation and sending of report:
- Report making unit: credit
institutions which perform mobilization and provision of loans in gold.
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- Reporting deadline: On the
10th of the month consecutively following the reporting month at the latest.
- During the implementation, any
arising query shall be reflected in writing or via the following contact
number: 04-3.8268781; fax: 04. 3936 4620.
APPENDIX 05
SBV's branch in province,
city: …………
REPORT ON THE MOBILIZATION AND PROVISION OF
LOANS IN GOLD BY CREDIT INSTITUTIONS IN THE LOCAL AREA
Month…
year…
Unit:
gold teal, VND billion
Norm
Gold
tael
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(billion
dong)
1. Balance of fund
mobilization in gold
2. Total outstanding of
loans in gold
a. Loans for jewelry gold
production (making) and business
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b. Consumer loans
c. Loans for real estate
investment and trading
d. Loans for production,
business (other than jewelry gold production (making) and business)
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3. Ratio of non performing loans
over the total outstanding of loans in gold (%)
4. Amount of fund in gold
converted to cash
5. Gold in vault
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Drawer
(Signature and full name)
...........,
date.......
Manager
(Signature, full name and seal)
Instructions for preparation and
sending of report:
- Report making unit: State
Bank's branches in provinces, cities under the central Government's management.
- Report recipient: Monetary
Policy Department- State Bank of Vietnam- 49 Ly Thai To, Hoan Kiem, Hanoi (fax:
04. 3936 4620; email: [email protected]).
- Reporting deadline: On the
15th of the month consecutively following the reporting month at the latest.
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- During the implementation, any
arising query shall be reflected in writing or via the following contact
number: 04-3.8268781; fax: 04. 3936 4620.