THE STATE BANK
OF VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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No.
25/2018/TT-NHNN
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Hanoi, October
24, 2018
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CIRCULAR
AMENDING
A NUMBER OF ARTICLES OF THE CIRCULAR NO. 10/2015/TT-NHNN DATED JULY 22, 2015 BY
THE GOVERNOR OF THE STATE BANK OF VIETNAM GUIDING THE IMPLEMENTATION OF A
NUMBER OF CONTENTS OF THE GOVERNMENT’S DECREE NO. 55/2015/NDD-CP DATED JUNE 09,
2015 ON THE CREDIT POLICY FOR AGRICULTURAL AND RURAL DEVELOPMENT
Pursuant to the Law on the State Bank of Vietnam
dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated
June 16, 2010 and Amendments to some regulations of the Law on Credit
Institutions dated November 20, 2017;
Pursuant to the Government’s Decree No.
55/2015/NDD-CP dated June 09, 2015 on the credit policy for agricultural and
rural development;
Pursuant to the Government’s Decree No.
116/2018/NDD-CP dated September 07, 2018 amending a number of Articles of the
Government’s Decree No. 55/2015/NDD-CP dated June 09, 2015 on the credit policy
for agricultural and rural development;
Pursuant to the Government’s Decree No.
16/2017/NDD-CP dated February 17, 2017 on functions, tasks, authority and
organizational structure of the State Bank of Vietnam;
At the request of the Director General of the
Department of Credit for Economic Sectors;
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Article 1. To amend a number of
Articles of the Circular No. 10/2015/TT-NHNN dated July 22, 2015 by the
Governor of the State Bank of Vietnam guiding the implementation of a number of
contents of the Government’s Decree No. 55/2015/NDD-CP dated June 09, 2015 on
the credit policy for agricultural and rural development (hereinafter referred
to as “the Circular No. 10/2015/TT-NHNN”)
1. Article 1 is amended as
follows:
“Article 1. Scope of amendments
This Circular provides for the policies for provision
of loan funds; debt repayment rescheduling and loan origination; applications
and procedures for debt charge-off and grant of grace period; maximum deduction
rate of the value of collateral for loans for agricultural and rural
development according to the Government’s Decree No. 55/2015/NDD-CP dated June
09, 2015 on the credit policy for agricultural and rural development
(hereinafter referred to as “the Decree No. 55/2015/NDD-CP”) and the
Government’s Decree No. 116/2018/NDD-CP dated September 07, 2018 amending a
number of Articles of the Decree No. 55/2015/NDD-CP (hereinafter referred to as
“the Decree No. 116/2018/NDD-CP”).”.
2. Clause 2 of Article 2 is
amended as follows:
“2. The borrowers prescribed in Clause 2 and Clause
3 of Article 2 of the Decree No. 55/2015/NDD-CP (amended by Clause 1 of Article
1 of the Decree No. 116/2018/NDD-CP).”.
3. Clause 1 of Article 4 is
amended as follows:
“1.Credit institutions may consider the following
options for the borrowers prescribed in Clause 1 of Article 12, Clause 3 of
Article 14 and Clause 3 of Article 15 of the Decree No. 55/2015/NDD-CP who have
difficulties with debt repayment due to objective factors and/or force majeure:
a) Rescheduling debt repayments and retaining the
debt classification at the request of the borrowers and credit institution’s
evaluation of borrower’s debt repayment capability; the rescheduled deadline
for repayment shall be appropriate to borrower’s business operation cycles but
the maximum rescheduled time limit shall not exceed the initial time limit
prescribed in concluded credit agreements;
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c) Grant a new loan to facilitate the borrower’s
resumption of business operation it the borrower has a feasible business
operation project/plan.”.
4. Article 4a is added
after Article 4 as follows:
“Article 4a. Grant of grace period
For loans for growing, care and regrowing of
perennials, credit institutions and their borrowers shall reach an agreement on
grace period and interest appropriate to the development phase of the
perennials. A grace period is a period of time starting from the time of
disbursement by the credit institutions to the time of principal and interest
repayment by the borrowers per credit agreements.”.
5. Article 5 is amended as
follows:
“Article 5. Applications and procedures for debt
charge-off
Applications and procedures for debt charge-off
shall comply with Clause 3 of Article 12 of the Decree No. 55/2015/NDD-CP
(amended by Clause 6 of Article 1 of the Decree No. 116/2018/NDD-CP).”.
6. Clause 2, Clause 3,
Clause 4 and Clause 5 of Article 7 are amended and Clause 6 is added to Article
7 as follows:
“2. Providing guidelines on the following contents
for the purpose of consistent implementation in the credit institution system:
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- Applications and procedures
for debt charge-off in compliance with Clause 3 of Article 12 of the Decree No.
55/2015/NDD-CP (amended by Clause 6 of Article 1 of the Decree No.
116/2018/NDD-CP). Credit institutions shall be responsible for the accuracy,
legitimacy and eligibility of documents, statistics and borrowers related to
request for debt charge-off.
3. Proactively cooperating with
local governments of all levels and socio-political organizations in
disseminating the credit policy for agricultural and rural development
according to the Decree No. 55/2015/NDD-CP, Decree No. 116/2018/NDD-CP and this
Circular.
4. Specifying and including
use of loans for agricultural and rural development in credit agreements,
monitoring dossiers of loans of the agriculture and rural area sector
separately.
5. Submitting to the State
Bank reports on credit outstanding debts of the agriculture and rural area
sector according to regulations on the statistical reporting system applied to
credit institutions and foreign bank branches; quarterly reports (before the
15th of the first month of the next quarter) on debt repayment rescheduling and
debt classification retention for the agriculture and rural area sector
according to the specimen enclosed with this Circular.
6. Inspecting and supervising
debt rescheduling and debt classification retention in the credit institution
system to ensure accurate debt reports."
7. Point a of Clause 1 of
Article 8 and Point b of Clause 4 of Article 8 are amended as follows:
“a) Advising the Governor of the State Bank on
cooperation with the Ministry of Finance in considering and handling requests
for debt charge-off due to objective factors, force majeure and large-scale
natural disasters and epidemics as prescribed in Clause 2, Clause 3 and Clause
4 of Article 12 of the Decree No. 55/2015/NDD-CP (amended by Clause 6 of
Article 1 of the Decree No. 116/2018/NDD-CP);”.
“b) Taking charge and cooperating with Departments
of Finance in inspecting, confirming, reviewing and compiling documents,
statistics and borrowers related to requests for debt charge-off of credit
institutions so as to advise province-level People’s Committees on reports
submitted to the Prime Minister, the State Bank and the Ministry of Finance as
prescribed in Clause 3 of Article 12 of the Decree No. 55/2015/NDD-CP (amended
by Clause 6 of Article 1 of the Decree No. 116/2018/NDD-CP);”.
Article 2. Point d of Clause 4 of Article 8 and Forms No. 01, 02, 03,
04, 05 and 06 enclosed with Circular No. 10/2015/TT-NHNN are annulled.
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For credit agreements concluded before the
effective date of this Circular, credit institutions and their borrowers shall
continue executing the contents of such agreements that are conformable with
regulations that were effective when such agreements were concluded or amend
such agreements according to the provisions herein.
Article 4. Responsibilities for
implementing organization
Head of the Office of the State Bank, Director
General of the Department of Credit for Economic Sectors, heads of affiliates
of the State Bank, Directors of State Bank branches of provinces and central-affiliated
cities, Chairpersons of Boards of Directors, Chairpersons of Members’ Councils
and General Directors (Directors) of credit institutions and foreign bank
branches shall be responsible for organizing the implementation of this
Circular.
Article 5. Effect
This Circular takes effect from December 10,
2018./.
PP. THE
GOVERNOR
THE DEPUTY GOVERNOR
Nguyen Dong Tien
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ON DEBT REPAYMENT RESCHEDULING AND DEBT CLASSIFICATION
RETENTION FOR AGRICULTURE AND RURAL AREA SECTOR
(Enclosed with Circular No. 25/2018/TT-NHNN dated October 24, 2018 by the
Governor of the State bank of Vietnam)
[Quarter, year]
(Unit: Million
dong, borrowers)
No.
Borrowers
Short-term debts
Medium- and long-term debts
Total
Debts eligible for rescheduling
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Number of borrowers granted debt rescheduling and
debt classification retention
Debt eligible for rescheduling
Debt eligible for rescheduling and debt
classification retention
Number of borrowers granted debt rescheduling and
debt classification retention
Debt eligible for rescheduling
Debt eligible for rescheduling and debt
classification retention
Number of borrowers granted debt rescheduling and
debt classification retention
(1)
(2)
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(4)
(5)
(6)
(7)
(8)
(9)
(10)
(11)
1
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Farm owners
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3
Enterprises
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4
Cooperatives,
cooperative unions
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5
Other
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Total
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Instructions for report preparation:
- Column (3) + (6) = Column
(9); Column (4) + (7) = Column (10); Column (5) + (8) = Column (11);
- Total row = Row 1 + 2
+ 3 + 4 + 5.