Decree No. 04/2012/L-CTN enacting the Law on Deposit Insurance was passed by the National Assembly of the Socialist Republic of Vietnam, Session 3, Term XIII on June 18, 2012. This document stipulates the activities of deposit insurance and related issues.
핵심 사항
- The Law on Deposit Insurance applies to credit institutions, economic organizations involved in deposit insurance activities, depositors at credit institutions, and related parties.
- Credit institutions must participate in the deposit insurance system as prescribed by the Law. The premium rate is determined by the Government.
- Depositors are entitled to benefits for protecting their deposits in cases where the credit institution goes bankrupt or fails to make payments on time.
- The Law stipulates the conditions, procedures, and responsibilities of credit institutions when participating in the deposit insurance system.
- The Government has the authority to issue guiding documents to implement the Law on Deposit Insurance.
🌐 이 문서의 사회적 영향
- Positive impact: Reducing risks for depositors, enhancing trust in the banking system.
- Negative impact: Increased operational costs for credit institutions due to the need to pay insurance premiums.
❓ 자주 묻는 질문
How much money does a credit institution need to pay for the insurance premium?
The amount of the insurance premium is determined by the Government, specifically in Article 12 of the Law on Deposit Insurance.
How much money will a depositor receive if a credit institution goes bankrupt?
A depositor will be protected up to a maximum of VND 50 million/person/case, as stipulated in Article 21 of the Law on Deposit Insurance.
How does a credit institution participate in the deposit insurance system?
Credit institutions must register and participate in the deposit insurance system as prescribed in Article 10 of the Law on Deposit Insurance.
What rights does a depositor have when a credit institution goes bankrupt?
Depositors are entitled to benefits for protecting their deposits, specifically up to a maximum of VND 50 million/person/case as stipulated in Article 21 of the Law on Deposit Insurance.
Does the Government have the authority to issue guiding documents to implement this Law?
Yes, the Government has the authority to issue guiding documents to implement the Law on Deposit Insurance as provided for in Article 57 of the Law on Legislative Regulatory Documents.
전문
ORDER
Regarding the promulgation of the Law
____________
PRESIDENT OF THE SOCIALIST REPUBLIC OF VIETNAM
Pursuant to Article 103 and Article 106 of the Constitution of the Socialist Republic of Vietnam in 1992, amended and supplemented by Resolution No. 51/2001/QH10 dated December 25, 2001 of the Tenth National Assembly, Session 10;
Pursuant to Article 91 of the Law on the Organization of the National Assembly;
Pursuant to Article 57 of the Law on Legislative Documents;
NOW PROMULGATE
The Deposit Insurance Law
Passed by the Thirteenth National Assembly of the Socialist Republic of Vietnam at its third session on June 18, 2012./.
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