Circular No. 04/2007/TT-NHNN amends and supplements Circular No. 06/2004/TT-NHNN guiding internal credit for cooperatives. The main contents include minimum charter capital requirements, regulations on credit management staff, decisions on collateral for loans, and changes to the attached annexes.
适用范围
Cooperative
要点
- Cooperative → must have a minimum actual charter capital of 100 million VND
- Management Board, Director, Deputy Director, and internal credit staff of the cooperative → must have good moral character, reputation, and experience in economic management, and have been trained in internal credit operations
- General Assembly of Members → decides on lending with or without collateral
- Lending with collateral → carried out in accordance with the Civil Code 2005, Decree No. 163/2006/NĐ-CP on secured transactions, and related legal provisions
- Annex model → replaced by the new model attached to this Circular
🌐 本文件的社会影响
- Positive impact: Strengthening the management of internal credit, creating favorable conditions for cooperatives in borrowing activities
- Negative impact: May increase management costs for cooperatives due to the requirement for experienced and reputable personnel
❓ 常见问题
How much charter capital does a cooperative need to implement internal credit?
A cooperative must have a minimum actual charter capital of 100 million VND.
What requirements must internal credit management staff of a cooperative meet?
The Management Board, Director, Deputy Director, and internal credit staff must have good moral character, reputation, experience in economic management, and have been trained in internal credit operations.
Who decides on lending with collateral?
Lending to members with or without collateral is decided by the General Assembly of Members.
According to which regulations is lending with collateral carried out?
Lending with collateral must be carried out in accordance with the Civil Code 2005, Decree No. 163/2006/NĐ-CP on secured transactions, and related legal provisions.
When is the new annex model replacing the old one?
The new annex model attached to this Circular replaces the old annex model.
全文
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STATE BANK OF VIETNAM |
SOCIALIST REPUBLIC OF VIETNAM |
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Number: 06/2004/TT-NHNN |
Hanoi, September 27, 2004 |
CIRCULAR
Amending and supplementing Circular No. 06/2004/TT-NHNN dated September 27, 2004 on internal credit for cooperatives
Pursuant to the Law on Cooperatives 18/2003/QH11 dated November 26, 2003;
Directive No. 22/2003/CT-TTg dated October 3, 2003 of the Prime Minister on continuing to promote the implementation of Resolution No. 5 (Session IX) of the Central Committee on collective economy and to create favorable conditions for cooperatives in their internal credit activities;
The State Bank of Vietnam amends and supplements some contents of Circular No. 06/2004/TT-NHNN dated September 27, 2004 guiding internal credit for cooperatives as follows:
1. Amend Point d Clause 2 Section II as follows:
"The minimum paid-in registered capital is 100 (one hundred) million Vietnamese dong".
2. Amend Point g Clause 2 Section II as follows:
"Members of the Management Board (hereinafter referred to as the Management Board), the Director, Deputy Directors, and staff engaged in internal credit business of the cooperative must have good moral character, reputation, experience in economic management, and have been trained in internal credit business for cooperatives".
3. Amend Clause 9 Section II as follows:
"Granting loans to members with collateral or without collateral is decided by the General Assembly of Members. For loans that the General Assembly of Members decides must be secured by collateral, the parties shall implement the provisions on secured transactions under the Civil Code 2005, Decree No. 163/2006/NĐ-CP dated December 29, 2006 of the Government on secured transactions and relevant laws".
4. Replace Model Appendix 03 with the attached model Appendix to this Circular.
5. This Circular takes effect fifteen days from the date of publication in the Official Gazette.
6. The Head of the Office, the Director of the 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; cooperatives and agencies and units mentioned in Clause 1 Section III of Circular No. 06/2004/TT-NHNN dated September 27, 2004 are responsible for implementing this Circular./.
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Phung Khac Ke (Signed) |
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