Circular No. 01/2009/TT-NHNN guides the agreed interest rate of credit institutions for loans to meet living capital needs and loans through credit card issuance and usage operations based on the regulations of the State Bank of Vietnam and market supply and demand. This Circular takes effect from February 1, 2009.
适用范围
Credit institution
要点
- Credit institutions implement the agreed interest rate for loans to meet living capital needs and loans through credit card issuance and usage operations according to the regulations of the State Bank of Vietnam.
- Credit institutions determine credit limits in accordance with the regulations ensuring safety in the operation of credit institutions.
- Credit institutions strictly control credit limits and loan quality for loans to meet living capital needs and loans through credit card issuance and usage operations.
🌐 本文件的社会影响
- Positive impact: Helps credit institutions adjust interest rates in line with the market, supporting customers with living capital needs.
- Negative impact: May cause difficulties for some credit institutions in determining credit limits and controlling loan quality.
❓ 常见问题
How do credit institutions implement interest rates?
Credit institutions implement agreed interest rates according to the regulations of the State Bank of Vietnam and market supply and demand, based on the creditworthiness of customers.
What is the credit limit for a customer?
This Circular does not specify a specific credit limit for a customer, only requiring credit institutions to determine it in accordance with the regulations ensuring safety in the operation of credit institutions.
What does a credit institution need to monitor regarding loans?
Credit institutions need to strictly monitor credit limits and loan quality for loans to meet living capital needs and loans through credit card issuance and usage operations.
When does this Circular take effect?
This Circular takes effect from February 1, 2009.
Who is responsible for implementing this Circular?
The Director of the Office, Heads of Departments under the State Bank of Vietnam, Governors of the State Bank of Vietnam branches in provinces and centrally-administered cities, Chairmen of the Board of Directors and General Directors (Directors) of credit institutions are responsible for implementing this Circular.
全文
CIRCULAR
Guidelines on the agreed interest rate of credit institutions for loans to meet capital needs serving life and loans through credit card issuance and usage activities
||| Loans to meet capital needs serving life, loans through credit card issuance and usage activities
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Pursuant to Resolution No. 30/2008/NQ-CP dated December 11, 2008 of the Government on urgent measures to prevent economic decline, maintain economic growth, and ensure social welfare;
Pursuant to the directive of the Prime Minister in Official Letter No. 627/VPCP-KTTH dated January 23, 2009 of the Government Office on applying the agreed interest rate for loans by credit institutions;
The State Bank of Vietnam hereby provides guidelines on the agreed interest rate of credit institutions for loans to meet capital needs serving life and loans through credit card issuance and usage activities as follows:
1. Credit institutions shall implement the agreed interest rate for loans to meet capital needs serving life and loans through credit card issuance and usage activities in accordance with the regulations of the State Bank of Vietnam on loans by credit institutions to customers and based on the supply and demand of capital in the market and the creditworthiness of borrowing customers.
2. Credit institutions shall determine credit limits for a customer and for lending to meet capital needs serving life and loans through credit card issuance and usage activities in compliance with the regulations of the State Bank of Vietnam on safety ratios in the operation of credit institutions and the business conditions of credit institutions.
3. Credit institutions shall strictly control credit limits and the quality of credit for loans to meet capital needs serving life and loans through credit card issuance and usage activities.
4. This Circular takes effect from February 1, 2009.
5. The Heads of the Office, Department Heads of Monetary Policy Department, and Heads of units under the State Bank of Vietnam, Governors of the State Bank of Vietnam branches in provinces and centrally governed cities; Chairmen of Management Boards and General Directors (Directors) of credit institutions are responsible for implementing this Circular./.
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