Circular No. 02/2022/TT-NHNN amends and supplements certain provisions of Circular No. 08/2021/TT-NHNN on special loans for credit institutions under special control. This document provides more detailed regulations on preferential interest rates and specific conditions related to special loans.
适用范围
State Bank of Vietnam, credit institution under special control
要点
- Credit institution under special control that has the need to borrow according to the provisions at points b, c, đ Clause 1 Article 4 of this Circular.
- The interest rate for special loans for commercial banks compulsorily purchased before the Law No. 17/2017/QH14 takes effect is 0% (Point d Clause 1 Article 4).
- The amount, purpose of use, collateral for special loans, interest rate, term, and repayment shall be carried out according to the restructuring plan approved.
- Remove the phrase 'decision of the Prime Minister' from some clauses (Article 3).
- This Circular takes effect from May 24, 2022.
🌐 本文件的社会影响
- Enhance the financial capacity of credit institutions under special control.
- Reduce the loan interest burden for commercial banks compulsorily purchased before the Law No. 17/2017/QH14 takes effect.
- Simplify the procedures and formalities related to special loans.
❓ 常见问题
What is the maximum interest rate when granting special loans to commercial banks compulsorily purchased before the Law No. 17/2017/QH14 takes effect?
The maximum interest rate is 0% (Point d Clause 1 Article 4).
What conditions must be adhered to when implementing special loans?
The amount, purpose of use, collateral for special loans, interest rate, term, and repayment must be carried out according to the restructuring plan approved (Article 5).
Which phrases are removed in this Circular?
'decision of the Prime Minister' in some clauses such as Article 3.
全文
CIRCULAR
Amending and supplementing certain provisions of Circular No. 08/2021/TT-NHNN dated July 6, 2021 issued by the Governor of the State Bank of Vietnam on special loans for credit institutions under special control
July 6, 2021, of the Governor of the State Bank of Vietnam on special loans for credit institutions under special control
Pursuant to the Law on Credit Organizations dated June 16, 2010;
Pursuant to the Law Amending and Supplementing Certain Articles of the Law on Credit Institutions dated November 20, 2017;
Pursuant to Government Decree No. 16/2017/NĐ-CP dated February 17, 2017 on the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;
Article 1.
The Governor of the State Bank of Vietnam issues this Circular to amend and supplement certain Articles of Circular No. 08/2021/TT-NHNN dated July 6, 2021, of the Governor of the State Bank of Vietnam on special loans for credit institutions under special control.
Article 1. Amend and supplement certain Articles of Circular No. 08/2021/TT-NHNN dated July 6, 2021, of the Governor of the State Bank of Vietnam on special loans for credit institutions under special control
1. Amend and supplement Point d Clause 1 Article 4 as follows:
"d) Special loan with preferential interest rate up to 0% for commercial banks that have been compulsorily purchased before the Law No. 17/2017/QH14 takes effect as stipulated in Clause 2 Article 3 of Law No. 17/2017/QH14;"
2. Amend and supplement Clause 1, Article 5 as follows:
"1. For special loans prescribed in Points b, c, đ Clause 1, Point c Clause 2, Point c Clause 3, Point b Clause 4 Article 4 of this Circular, the amount of special loan, purpose of using the special loan, collateral for the special loan, interest rate of the special loan, term of the special loan, repayment of the special loan, waiver or reduction of interest on the special loan, handling of the special loan already granted (including extension of the special loan, interest rate on overdue principal of the special loan) shall be implemented according to the restructuring plan and transfer plan which have been approved. For special loans prescribed in Point d Clause 1 Article 4 of this Circular, they shall be implemented according to the provisions of Clause 2 Article 3 of Law No. 17/2017/QH14."
Article 2. Replace and abolish certain phrases of Circular No. 08/2021/TT-NHNN dated July 6, 2021, of the Governor of the State Bank of Vietnam on special loans for credit institutions under special control
1. Replace the phrase "When there is a need for a special loan as prescribed in Points b, c, d, đ Clause 1 Article 4 of this Circular" with the phrase "When there is a need for a special loan as prescribed in Points b, c, đ Clause 1 Article 4 of this Circular" in Clause 1 Article 17.
2. Replace the phrase "For special loans prescribed in Points b, c, d, đ Clause 1 Article 4 of this Circular" with the phrase "For special loans prescribed in Points b, c, đ Clause 1 Article 4 of this Circular" in Clause 1 Article 19.
3. Delete the phrase "decision of the Prime Minister," at Clause 3 Article 5, Point đ Clause 1 Article 16, Article 17, Article 19, Clause 2, 3 Article 23, Clause 3 Article 24.
4. Delete the phrase "has been decided by" the Prime Minister," at Clause 3 Article 5, Point c Clause 2, Point c, d Clause 5 Article 16.
This Circular takes effect from December 25, 2025/.
The Director of the Office, the Head of the Monetary Policy Department, Heads of units under the State Bank; the Deposit Insurance Corporation of Vietnam; credit institutions subject to responsibility for organizing the implementation of this Circular.
Article 4. Implementation provisions
This Circular takes effect from May 24, 2022./.
DEPUTY DIRECTOR
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