The documents and report templates referred to in Appendices VI and VII of Circular No. 10/2021/TT-NHNN stipulate the re-lending to the Vietnam Bank for Social Policies to support employers in borrowing funds under Decision No. 23/2021/QĐ-TTg. These documents include the Report on disbursed re-lending loan amounts, the Report on repayment of re-lending loans from employer repayments, and the Report on re-lending to the Vietnam Bank for Social Policies.
적용 범위
Vietnam Bank for Social Policies
핵심 사항
- Report on disbursed re-lending loan amounts under Decision No. 23/2021/QĐ-TTg
- Report on repayment of re-lending loans from employer repayments
- Report on re-lending to the Vietnam Bank for Social Policies
- The deadline and method of submitting reports are specified in detail.
- The figures to be finalized in the reports include the period from the start of receiving disbursed re-lending loan amounts until the last day of the reporting month.
🌐 이 문서의 사회적 영향
- Supporting employers to access preferential credit sources.
- Ensuring transparency and efficiency in managing and using re-lending funds from the State Bank.
- Providing necessary information to banking supervisory agencies to perform their inspection and supervision functions.
❓ 자주 묻는 질문
When is the deadline for submitting the report on disbursed re-lending loan amounts?
By April 20, 2022
What is the method for submitting the report on repayment of re-lending loans from employer repayments?
Paper document, submitted directly or through postal service
전문
CIRCULAR
Regulations onon refinancing for the Vietnam Bank for Social Policies pursuant to
Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister
regarding the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic
The Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister regarding the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic;
Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;
On the basis of the Law on Credit Institutions dated June 16, 2010, and the Law Amending and Supplementing Some Provisions 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;
Pursuant to Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister regarding the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic;
Article 1.
The Governor of the State Bank of Vietnam issues this Circular stipulating the refinancing for the Vietnam Bank for Social Policies pursuant to Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister regarding the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic.
Article 1. Scope of Regulation and Applicability
This Circular stipulates the refinancing by the State Bank of Vietnam (hereinafter referred to as the State Bank) for the Vietnam Bank for Social Policies to lend to employers under Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister regarding the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as refinancing).
Article 2. Amount of Refinancing
The total maximum amount of refinancing is VND 7,500 billion (seven thousand five hundred billion dong).
Article 3. Interest Rate on Refinancing
Clause 1. The interest rate on refinancing is 0%/year.
Clause 2. The overdue interest rate on refinancing is 0%/year.
Article 4. Term of Refinancing, Disbursement of Refinancing
Clause 1. The term of refinancing is 364 days, calculated from the day following the date on which the State Bank disburses refinancing to the Vietnam Bank for Social Policies.
Clause 2. The term of refinancing specified in Clause 1 of this Article shall apply to each disbursement as stipulated in Clause 4 of Article 6 of this Circular.
Clause 3. The period for disbursement of refinancing is from the date of signing the first promissory note until March 31, 2022, or until the full disbursement of VND 7,500 billion, whichever comes first.
Article 5. Collateral
The State Bank does not require collateral from the Vietnam Bank for Social Policies for refinancing.
Article 6. Procedure for Refinancing
Clause 1. The Vietnam Bank for Social Policies directly sends or through postal service one copy of the Loan Application for Refinancing according to Appendix I attached to this Circular to the headquarters of the State Bank (Reception and Result Delivery Department).
Clause 2. Within three working days from the date of receipt of the Loan Application for Refinancing of the Vietnam Bank for Social Policies as stipulated in Clause 1 of this Article, the Governor of the State Bank issues a Decision on Refinancing for the Vietnam Bank for Social Policies.
Clause 3. Within two working days from the date of receipt of the Decision on Refinancing as stipulated in Clause 2 of this Article, the State Bank Trading Department and the Vietnam Bank for Social Policies shall sign a Principle Contract on Refinancing with the basic contents according to Appendix II attached to this Circular.
Clause 4. The State Bank disburses refinancing in installments to the Vietnam Bank for Social Policies according to the following procedure:
Point a. Based on the Principle Contract on Refinancing signed as stipulated in Clause 3 of this Article and the loan application amount of eligible employers as stipulated in Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of
Point b. Within two working days from the date of receipt of the Application for Refinancing Disbursement of the Vietnam Bank for Social Policies as stipulated in Point a of this Clause, the State Bank Trading Department approves and disburses refinancing according to the amount in the Application for Refinancing Disbursement of the Vietnam Bank for Social Policies after the Promissory Note according to Appendix IV attached to this Circular has been signed.
Article 7. Repayment of Refinancing Loans
1. When the refinancing loan reaches its maturity date, the Vietnam Bank for Social Policies must repay the entire principal of the refinancing loan to the State Bank of Vietnam from the repayment funds of the borrowing employers pursuant to Decision No. 23/2021/QĐ-TTg (hereinafter referred to as the borrowing employer).
2. In case the Vietnam Bank for Social Policies has not disbursed all the received disbursement amounts as stipulated in Clause 4, Article 6 of this Circular by April 5, 2022, the Vietnam Bank for Social Policies must repay to the State Bank of Vietnam the undisbursed amount before April 15, 2022, in the order of the earliest signed promissory note.
3. If the outstanding balance of the refinancing loan reaches its maturity date and the Vietnam Bank for Social Policies fails to fully repay the debt as prescribed in Clause 1 of this Article, the State Bank of Vietnam will transfer the outstanding balance of the refinanced loan to be monitored as overdue according to the regulations of the State Bank of Vietnam on the calculation method and accounting of interest income and expenditure in the deposit-taking and lending activities between the State Bank of Vietnam and credit institutions.
4. In case there is a repayment from the borrowing employer, within ten working days at the beginning of the following month, the Vietnam Bank for Social Policies must use the entire repayment amount from the borrowing employer in that month to repay the refinancing loan in the order of the earliest signed promissory note (including overdue refinancing loans, and refinancing loans not yet due), except for cases where there is a recovery amount as stipulated in Clause 4, Article 42 of Decision No. 23/2021/QĐ-TTg.
5. In case it is discovered that the Vietnam Bank for Social Policies has received repayment from the borrowing employer but failed to repay the refinancing loan as prescribed in Clauses 1 and 4 of this Article, and/or the Vietnam Bank for Social Policies has failed to repay the refinancing loan as prescribed in Clause 2 of this Article, the State Bank of Vietnam shall apply the following measures:
a) Apply an interest rate equal to the overdue loan interest rate for the borrowing employer as stipulated in Decision No. 23/2021/QĐ-TTg (12% per annum) on the unpaid amount, starting from the day following the due date as stipulated in this Circular until the day when the Vietnam Bank for Social Policies fully repays the unpaid amount.
b) Deduct from the account of the Vietnam Bank for Social Policies at the State Bank of Vietnam to recover the unpaid refinancing loan amount and the interest as stipulated in point a of this Clause within five working days from the date when the State Bank of Vietnam's Trading Department receives the notification of violation as stipulated in point b of Clause 2, point b of Clause 5, Article 9 of this Circular.
c) In case the measures stipulated in point b of this Clause have been implemented but the full recovery of the unpaid refinancing loan amount and the interest as stipulated in point a of this Clause has not been achieved, the State Bank of Vietnam's Trading Department will continue to monitor and deduct from the account of the Vietnam Bank for Social Policies at the State Bank of Vietnam until the full recovery of the debt.
d) The recovery of the unpaid refinancing loan amount and the interest as stipulated in points b and c of this Clause shall be carried out according to the regulations of the State Bank of Vietnam on the calculation method and accounting of interest income and expenditure in the deposit-taking and lending activities between the State Bank of Vietnam and credit institutions and other organizations.
6. The State Bank of Vietnam handles risks related to the refinancing loan of the Vietnam Bank for Social Policies according to the provisions of Article 43 of Decision No. 23/2021/QĐ-TTg and relevant laws.
Article 8. Responsibilities of the Social Policy Bank
1. Provide promptly and accurately to the State Bank all documents and materials regarding borrowing of refinancing funds. Bear legal responsibility for the accuracy and legality of the provided documents and materials.
2. Implement the signing of the principle contract on refinancing and promissory note with the State Bank's Trading Department, receive disbursement of borrowed refinancing funds and repay refinancing loans as stipulated in this Circular.
3. Use refinancing funds for their intended purpose; monitor, record, and manage separately the refinancing loan as stipulated in this Circular.
4. Before April 20, 2022, report to the Governor of the State Bank the figures on disbursed refinancing loans according to Decision No. 23/2021/QĐ-TTg, as per Appendix V attached to this Circular, and simultaneously send to the Monetary Policy Department, Banking Supervision Agency, State Bank's Trading Department, and Credit to Economic Sectors Department.
5. Within the first ten working days of each month, report to the State Bank (Monetary Policy Department, Banking Supervision Agency, State Bank's Trading Department, and Credit to Economic Sectors Department) on the repayment of refinancing loans from the debt repayment of employers as per Appendix VI attached to this Circular.
6. Urge and recover loans granted to employers to repay State Bank refinancing loans.
Article 9. Responsibilities of Units under the State Bank
1. Monetary Policy Department
a) Serve as the focal point to submit to the Governor of the State Bank for issuance of the refinancing decision for the Social Policy Bank as stipulated in Clause 2, Article 6 of this Circular;
b) Serve as the focal point to handle any issues arising related to the provisions of this Circular.
2. Banking Inspection and Supervision Authority
a) Supervise, inspect, and handle violations within its authority concerning the Social Policy Bank in implementing the provisions of this Circular;
b) In case it is found that the Social Policy Bank has received employer debt repayments but failed to repay refinancing loans as stipulated in Clause 1 and Clause 4, Article 7, and/or the Social Policy Bank fails to repay refinancing loans as stipulated in Clause 2, Article 7 of this Circular, the Banking Supervision Agency shall issue a violation notice to the Social Policy Bank, State Bank's Trading Department, Monetary Policy Department, and Credit to Economic Sectors Department. The violation notice must clearly specify the nature of the violation and the measures for handling as stipulated in Clause 5, Article 7 of this Circular.
3. State Bank of Vietnam's Trading Department
a) Implement the signing of the principle contract on refinancing, approve and disburse refinancing, collect refinancing debts, and transfer overdue refinancing accounts as stipulated in this Circular and relevant laws;
b) Implement the measures stipulated in Clause 5, Article 7 of this Circular after receiving the violation notice as specified in point b, Clause 2, and point b, Clause 5 of this Article;
c) Within the first fifteen working days of the following month after reporting, report to the Governor of the State Bank the refinancing figures for the Social Policy Bank as per Appendix VII attached to this Circular; and simultaneously send to the Monetary Policy Department, Banking Supervision Agency, and Credit to Economic Sectors Department.
4. Department of Finance and Accounting
a) Guide accounting entries related to refinancing for the Social Policy Bank as stipulated in this Circular;
b) Serve as the focal point in handling risks arising from refinancing loans of the Social Policy Bank.
5. Branches of the State Bank in provinces and centrally-administered cities
a) Supervise, inspect, and handle violations within its authority concerning subordinate units of the Social Policy Bank in the locality in implementing the provisions of this Circular;
b) In case it is found that the Social Policy Bank has received employer debt repayments but failed to repay refinancing loans as stipulated in Clause 1 and Clause 4, Article 7, and/or the Social Policy Bank fails to repay refinancing loans as stipulated in Clause 2, Article 7 of this Circular, the branches of the State Bank in provinces and centrally-administered cities shall issue a violation notice to the Social Policy Bank, State Bank's Trading Department, Monetary Policy Department, Credit to Economic Sectors Department, and Banking Supervision Agency. The violation notice must clearly specify the nature of the violation and the measures for handling as stipulated in Clause 5, Article 7 of this Circular.
6. The Information Technology Department shall upgrade and adjust the business software system to comply with the provisions of this Circular.
Article 10. Effective Date
1. This Circular takes effect from July 21, 2021.
2. The Head of the Office, Heads of Departments, and Heads of Units under the State Bank of Vietnam, and the Social Policy Bank are responsible for organizing the implementation of this Circular.
Appendix I
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 2021 of
the Governor of the State Bank of Vietnam)
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BANK
No.: … |
SOCIALIST REPUBLIC OF VIET NAM
Hanoi, day … month … year … |
APPLICATION FOR REFINANCING LOAN
To: State Bank of Vietnam (through the Monetary Policy Department)
Name of credit institution: Social Policy Bank
Address: … Phone: … Fax:...
Account number in VND: ... at the State Bank's Trading Department
Pursuant to Resolution No. 68/NQ-CP dated July 1, 2021 of the Government on certain support policies for workers and employers affected by the COVID-19 pandemic;
Based on Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Decision No. 23/2021/QĐ-TTg);
Based on Circular No. 10/2021/TT-NHNN dated July 21, 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank pursuant to Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Circular No. 10/2021/TT-NHNN) The Social Policy Bank requests the State Bank of Vietnam to provide refinancing to lend to employers according to Decision No.;
23/2021/QĐ-TTg 1. Amount of refinancing: Maximum of 7.5 trillion VND (seven trillion five hundred billion VND). as follows:
1. Amount of refinancing capital: Maximum seven thousand five hundred billion VND (7,500 billion VND). The State Bank of Vietnam shall disburse refinancing funds in installments according to the amount stated in the Refinancing Disbursement Request Form of the Social Policy Bank. based on the amount stated in the Request for Disbursement of Refinancing Capital of the Vietnam Bank for Social Policies.
2. Refinancing period: 364 days, starting from the day following the next day on which the State Bank of Vietnam disburses refinancing funds for the Social Policy Bank (calculated based on each disbursement).
3. Interest rate on refinancing: 0%/year; Overdue interest rate on refinancing: 0%/year.
4. The Social Policy Bank borrows refinancing funds without collateral at the State Bank of Vietnam.
The Social Policy Bank commits to comply strictly with the provisions set out in 19/2018/TT-BGTVT) which has been amended and supplemented by Clause 7, Article 1 of Circular No. 08/2024/TT-BGTVT dated April 4, 2024, issued by the Minister of Transport, amending and supplementing certain articles of Circular No. 19/2018/TT-BGTVT 10249/2021/TT-NHNN and relevant laws.
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Place of Receipt: - As above; - FILE COPY: … |
Legal representative of the Social Policy Bank (Signed, clearly stating position, full name, and stamped) |
Seal Registration Certificate
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 2021 of
the Governor of the State Bank of Vietnam)
SOCIALIST REPUBLIC OF VIET NAM
Independence - Freedom - Happiness
…., day … month … year 2021
PRINCIPAL AGREEMENT
BETWEEN THE STATE BANK OF VIETNAM AND THE
SOCIAL POLICY
SOCIAL POLICY BANK Decision No. On refinancing to lend to employers under the 7 year Decision No. 23/2021/QĐ-TTg dated July 7 carrying out, if 2021 of the Prime Minister on implementing certain support policies for workers and employers affected by the COVID-19 pandemic
workers affected by the COVID-19 pandemic
No.: …/2021/HĐNT-NHNN-NHCSXH
Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;
On the basis of the Law on Credit Institutions dated June 16, 2010, and the Law Amending and Supplementing Some Provisions 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;
Implementing Resolution No. 68/NQ-CP dated July 1, 2021 of the Government on certain support policies for workers and employers affected by the COVID-19 pandemic;
Pursuant to Decision No. Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on implementing certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Decision No. 23/2021/QĐ-TTg);
dated August 4, 2025, of the Minister of Home Affairs on measures to organize and guide the implementation of the Law on Encouragement and Reward and Decision No. 10/2Circular No. 021/2021/TT-NHNN dated 21 the 7 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank under Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on implementing certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Circular No. 10/2021/TT-NHNN);
On the basis of Decision No.../QĐ-NHNN dated...month...year 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank...;
Today, on...day...month...year..., the State Bank of Vietnam Branch and the Social Policy Bank signed the Principal Agreement on refinancing to lend to employers under Decision No. 23/2021/QĐ-TTg;
The refinancing lender (Party A): State Bank of Vietnam Branch
- Mr./Ms:…
- Position: …
- Address: ...
- Telephone: … Fax: …
- Account number for loan in Vietnamese dong:…at …
The refinancing borrower (Party B): Social Policy Bank
- Mr./Ms:…
- Position:…
According to Power of Attorney No……of …. (if applicable)
- Address: ...
- Telephone: … Fax:…
- Account number in Vietnamese dong:…at State Bank of Vietnam Branch.
Both parties commit to implement the following agreements:
Article 1. Purpose of refinancing
Party A will provide refinancing to Party B to lend to employers under Decision No. 23/2021/QĐ-TTg.
Article 2. Amount of refinancing
- In figures: Maximum 7.5 trillion VND.
- In words: Maximum seven thousand five hundred billion VND.
Article 3. Interest rate on refinancing
1. Interest rate on refinancing: 0%/year.
2. Overdue interest rate on refinancing: 0%/year.
Article 4. Term
1. Refinancing term: 364 days, calculated from the day following the next day dated State Bank of Vietnam the refinancing disbursement date for the Social Policy Bank.
2. The refinancing term specified in Clause 1 of this Article is calculated based on each disbursement stipulated in Article 6 of this Principal Agreement. In case the repayment date falls on a holiday, it shall be postponed to the next working day.
3. The refinancing disbursement term starts from the signing kof the first promissory note until March 31, 2022 or until measures the total disbursement reaches 7.5 trillion VND, whichever comes first. conditions to come before.
Article 5. Collateral assets
Party A provides refinancing without collateral for Party B.
Article 6. Disbursement of refinancing
Party A disburses refinancing in installments to Party B in accordance with the procedures stipulated in Circular 10/2021/TT-NHNN.
Article 7. Repayment of refinancing loan
1. Party B must repay the refinancing loan to Party A as prescribed in , Clause 1, Clause 2 Article 7a of this Regulation. Joint Resolutions, Circulars 10/2021/TT-NHNN.
2. In case Party B fails to repay the refinancing loan to Party A as prescribed in Clause 1 of this Article, Party A shall apply the measures provided for in , Clause 1, Clause 2 Article 7a of this Regulation. Joint Resolutions, Circulars 10/2021/TT-NHNN.
Article 8. Rights and obligations of the parties
1. Rights and obligations of Party A:
a) Approve, disburse, and collect the refinancing loan from Party B in accordance with the regulations;
b) Require Party B to provide complete information and documents related to the refinancing.
2. Rights and obligations of Party B:
a) Sign kthe promissory note to accept the loan, disbursement, use the refinanced capital for its intended purpose, and repay the refinancing loan in accordance with the regulations;
b) Fulfill the responsibilities specified in Circular number 10/2021/TT-NHNN.
Article 9. Implementation Provisions
1. Both parties commit to comply with all contents stipulated in this Basic Contract and the provisions at 19/2018/TT-BGTVT) which has been amended and supplemented by Clause 7, Article 1 of Circular No. 08/2024/TT-BGTVT dated April 4, 2024, issued by the Minister of Transport, amending and supplementing certain articles of Circular No. 19/2018/TT-BGTVT 10/2021/TT-NHNN.
2. The promissory note is an inseparable part of the Basic Contract.
3. Both parties will amend and supplement the contents of this Basic Contract when there are changes in policies and regulations issued by competent authorities.
4. This Basic Contract automatically terminates when Party B fulfills its obligation to repay the loan to Party A as prescribed in Circular number 10/2021/TT-NHNN.
5. This Basic Contract takes effect from the date of signing.
6. This Basic Contract is made in four original copies having equal legal force, each party retains two copies./.
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PARTY A (THE REFINANCING LENDER) REPRESENTATIVE OF THE STATE BANK OF VIETNAM'S BRANCH (Sign, write full name and stamp) |
PARTY B (THE REFINANCING BORROWER) REPRESENTATIVE OF THE SOCIAL POLICY BANK (Sign, write full name and stamp) |
ANNEX III
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 year of
shareholders,)
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BANK SOCIAL POLICY
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SOCIALIST REPUBLIC OF VIET NAM Independence - Freedom - Happiness
Hanoi, day … month … year … |
APPLICATION FOR DISBURSEMENT OF REFINANCING
Respectfully submitted to: State Bank of Vietnam's Branch
Name of credit institution: Social Policy Bank
Address: … Phone: … Fax:...
Account number in VND: ... at the State Bank's Trading Department
Representative:...Position Authorization letter number .... (if applicable)
Based on Circular No. 10/2021/TT-NHNN dated July 21, 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank pursuant to Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Circular No. 10/2021/TT-NHNN) The Social Policy Bank requests the State Bank of Vietnam to provide refinancing to lend to employers according to Decision No.;
On the basis of Decision number ... /QD-NHNN dated ... month ... year 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank...;
Based on the Basic Contract between the State Bank of Vietnam and the Social Policy Bank number ……/2021/HĐNT-NHNN-NHCSXH dated ... month ... year 2021;
On the basis of the amount requested by the employer meeting the conditions stipulated in Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Decision No. 23/2021/QĐ-TTg);
The Social Policy Bank requests the State Bank of Vietnam's Branch to disburse the refinancing loan amount (in figures) ..., (in words) ... to for employers to borrow according to Decision No. 1. Amount of refinancing: Maximum of 7.5 trillion VND (seven trillion five hundred billion VND)..
The Social Policy Bank commits and bears full responsibility under the law for the accuracy of the information and data in this Application for Disbursement of Refinancing and in the Detailed Table of Amount Requested for Disbursement of Refinancing to for employers to borrow according to Decision No. 23/2021/QĐ-TTg (attached); commits to comply strictly with the provisions of Circular number 10/2021/TT-NHNN and relevant laws./.
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Place of Receipt: - As above; - FILE COPY: … |
Legal representative of Social Policy Bank (Signed, clearly stating position, full name, and stamped) |
BANK SOCIAL POLICY
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SOCIALIST REPUBLIC OF VIET NAM Independence - Freedom - Happiness 
Hanoi, day ... month ... year ... |
DETAILED TABLE OF AMOUNT REQUESTED FOR DISBURSEMENT OF REFINANCING
TO TO EMPLOYERS TO BORROW UNDER
DECISION NO. 23/2021/QĐ-TTg
(Attached to Application No.... dated... month ... year ...)
Unit: VND
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Serial number |
Province/City Directly Under Central Government |
Amount Requested for Disbursement of Refinancing |
Remarks |
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(1) |
(2) |
(3) |
(4) |
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1 |
Province A |
… |
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2 |
City B |
… |
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… |
… |
… |
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Total |
… |
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Note: After the Social Policy Bank receives the disbursement of refinancing, if the unit subordinate to the Social Policy Bank in the province/city directly under central government (hereinafter referred to as the Social Policy Bank in the province/city) has not fully disbursed the amount in column (3) of this table, the Social Policy Bank may transfer the unused refinancing funds to another Social Policy Bank in another province/city for disbursement to employers to borrow according to Decision No. 23/2021/QĐ-TTg and bear responsibility for such transfer.
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Prepared by (..., DATE..., MONTH..., YEAR...) |
Auditor (..., DATE..., MONTH..., YEAR...) |
Legal representative of the Social Policy Bank (Signed, clearly stating position, full name, and stamped) |
Instructions for Filling Out the Form:
The figures in column (3) are compiled from the amount requested by of employers meeting the conditions stipulated in Decision No. 23/2021/QĐ-TTg.
REGULATIONS ON THE CERTIFICATE DESIGN FOR OUTSTANDING RURAL INDUSTRIAL PRODUCTS
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 2021 of
shareholders,)
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BANK
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PROMISSORY NOTE
Between the State Bank of Vietnam and the Social Policy Bank
Number: …
(Attached to the Basic Contract No....../2021/HĐNT-NHNN-NHCSXH)
Name of credit institution: Social Policy Bank
Address: …
Account number in Vietnamese Dong: ……… at the Branch Gof the State Bank of Vietnam.
Based on Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on the implementation of certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Decision No. 23/2021/QĐ-TTg);
dated August 4, 2025, of the Minister of Home Affairs on measures to organize and guide the implementation of the Law on Encouragement and Reward and Decision No. 10/2021/TT-NHNN dated 21 the 7 2021 of the Governor of the State Bank of Vietnam on refinancing for the Social Policy Bank under Decision No. 23/2021/QĐ-TTg dated July 7, 2021 of the Prime Minister on implementing certain support policies for workers and employers affected by the COVID-19 pandemic (hereinafter referred to as Circular No. 10/2021/TT-NHNN);
Based on the Basic Contract between the State Bank of Vietnam and the Social Policy Bank number…/2021/HĐNT-NHNN-NHCSXH dated… month… year 2021;
Based on the Application for Disbursement of Refinancing number… dated… month… year… of the Social Policy Bank;
Social Policy Bank accepts the refinancing loan from the State Bank of Vietnam as follows:
1. Refinancing amount:
- In figures:…….
- In words:…
2. Refinancing period: 364 days, calculated from the day following the next day from the date the State Bank of Vietnam disburses refinancing to the Social Policy Bank.
3. Refinancing interest rate: 0%/year; overdue refinancing interest rate: 0%/year.
4. Disbursement date: ………………….
5. Due date: ……………………
6. Purpose of refinancing: The State Bank of Vietnam disburses refinancing to the Social Policy Bank to lend to employers according to Decision No. 23/2021/QĐ-TTg.
The Social Policy Bank commits to comply with the provisions of Circular number 10/2021/TT-NHNN and the Basic Contract between the State Bank of Vietnam and the Social Policy Bank number…/2021/HĐNT-NHNN-NHCSXH./.
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Chairman (Signature, full name) |
Legal representative of the Social Policy Bank (Sign, write full name and stamp) |
APPROVAL OF REFINANCING DISBURSEMENT
BY THE STATE BANK OF VIETNAM'S BRANCH
1. Refinancing amount:
- In figures:…
- In words:….
2. Refinancing period: 364 days, starting from the next day following the date the State Bank of Vietnam the refinancing disbursement date for the Social Policy Bank.
3. Refinancing interest rate: 0%/year; overdue refinancing interest rate: 0%/year.
4. Disbursement date: …………………
5. Due date: …………………..
6. Purpose of refinancing: The State Bank of Vietnam disburses refinancing to the Social Policy Bank to lend to employers according to Decision No. 23/2021/QĐ-TTg.
Hanoi, day … month … year …
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HEAD OF DEPARTMENT (Signature, full name) |
REPRESENTATIVE OF THE STATE BANK OF VIETNAM'S BRANCH (Sign, write full name and stamp) |
MONITORING DISBURSEMENT AND COLLECTION OF REFINANCING
1. Gdisbursement of refinancing
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(Major Technical Specifications and Other Information) |
Refinancing amount |
Refinancing interest rate |
Refinancing period |
Signature and stamp of the Social Policy Bank |
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2. Collection of refinancing
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(Major Technical Specifications and Other Information) |
Amount collected |
Outstanding refinancing balance |
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Principal amount |
2. In cases where the lease interest rate changes during the lease term, the company bases on the remaining principal amount, new interest rate, remaining payment periods, and recalculates the table as stated in point 1 above. |
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3. Monitoring overdue refinancing
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(Major Technical Specifications and Other Information) |
Amount of refinancing transferred to overdue status |
Overdue interest rate |
Principal repayment amount |
Interest repayment amount |
Outstanding overdue refinancing balance |
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Appendix V
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 2021 of
shareholders,)
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BANK SOCIAL POLICY
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SOCIALIST REPUBLIC OF VIET NAM Independence - Freedom - Happiness 
Hanoi, day … month … year … |
Respectfully submitted to: Governor of the State Bank of Vietnam
REPORT ON DATA OF REFINANCED LOANS ALREADY DISBURSED ACCORDING TO
DECISION NO. 23/2021/QĐ-TTg
As of April 15, 2022
Unit: dong
|
Serial number |
Number, date and year kpromissory note |
Amount of refinancing received by the Social Policy Bank |
Amount of refinancing lent by the Social Policy Bank according to Decision 23/2021/QĐ-TTg |
Amount of unutilized refinancing returned to the State Bank of Vietnam |
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(1) |
(2) |
(3) |
(4) |
(5) |
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1 |
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2 |
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… |
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Total |
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Note: In case the occurrence of the transfer between different provincial social policy banks, the social policy bank shall report the amount of refinancing loans disbursed to employers who have borrowed according to each provincial area that differs from the amount requested for refinancing disbursement.
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Chief Accountant (..., DATE..., MONTH..., YEAR...) |
General Director (..., DATE..., MONTH..., YEAR...) |
Legal representative of Social Policy Bank (Signed, clearly stating position, full name, and stamped) |
Place of Receipt:
- As above;
- Department of Monetary Policy;
- State Bank of Vietnam Trading Center;
- Banking Inspection and Supervision Authority;
- Department of Credit for Economic Sectors.
- FILE COPY: …
Guidelines for preparing table:
- Method of submitting reports: Paper documents, delivered directly or through postal services;
- Deadline for submitting reports: Before April 20, 2022;
- Time period for finalizing report data: From the start date of refinancing loan disbursement to April 15, 2022.
Appendix VI
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 2021 of
shareholders,)
|
BANK SOCIAL POLICY
|
SOCIALIST REPUBLIC OF VIET NAM Independence - Freedom - Happiness 
Hanoi, day ... month ... year ... |
REPORT ON REPAYING REFINANCING LOANS FROM EMPLOYERS' DEBT PAYMENTS PURSUANT TO DECISION NO. 23/2021/QĐ-TTg
Month ... Year ...
Unit: dong
|
Serial number |
Number, date and year kpromissory note |
Amount of refinancing loans disbursed by the Social Policy Bank |
Balance of refinancing loans at the end of the month immediately preceding the reporting month |
Amount of debt recovered from employers in the month immediately preceding the reporting month |
Amount of refinancing loan repayment in the reporting month |
Balance of refinancing loans at the end of the reporting month |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
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1 |
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2 |
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… |
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Total |
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Note:……………………………………………………………………………………………………………
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Chief Accountant (..., DATE..., MONTH..., YEAR...) |
General Director (..., DATE..., MONTH..., YEAR...) |
Legal representative of Social Policy Bank (Signed, clearly stating position, full name, and stamped) |
Place of Receipt:
- Department of Monetary Policy;
- State Bank of Vietnam Trading Center;
- Banking Inspection and Supervision Authority;
- Department of Credit for Economic Sectors.
- To be filed: ....
Guidelines for preparing table:
- Method of submitting reports: Paper documents, delivered directly or through postal services;
- Deadline for submitting reports: Within the first ten working days of the following month immediately after the reporting month;
- Time period for finalizing report data: From the start date of refinancing loan disbursement to the last day of the month when the Social Policy Bank repays refinancing loans.
Appendix VII
(Annexed to Circular No. 10/2021/TT-NHNN dated 21 the 7 of the Governor of the State Bank of Vietnam in 2021)
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STATE BANK OF VIETNAM TRADING CENTER
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REPORT ON REFINANCING CAPITAL FOR SOCIAL POLICY BANKS
PURSUANT TO DECISION NO. 23/2021/QĐ-TTg
Month ... Year ...
Unit: VND
|
Serial number |
Number Date Month Year kpromissory note |
Beginning balance of refinancing capital for the reporting month |
Disbursed |
Recovered |
Overdue transferred |
Ending balance of refinancing capital for the reporting month |
||||
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Amount |
The Open Source Software Steering Committee operates on a part-time basis. The Open Source Software Steering Committee has a working group assisting the Steering Committee. |
Amount |
The Open Source Software Steering Committee operates on a part-time basis. The Open Source Software Steering Committee has a working group assisting the Steering Committee. |
Amount |
The Open Source Software Steering Committee operates on a part-time basis. The Open Source Software Steering Committee has a working group assisting the Steering Committee. |
Refinancing within term |
Refinancing overdue |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
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(thousand dong/year) |
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…, day … month … year …
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Chief Accountant (Signature, full name) |
General Director (Signature, full name) |
Credit organization branch in province/city and basic credit cooperative… (Signature, full name) |
Place of Receipt:
- SBV Leadership Board (for reporting);
- Department of Monetary Policy;
- Banking Inspection and Supervision Authority;
- Department of Credit for Economic Sectors.
- FILE COPY: …
Guidelines for preparing table: d.1. Amount of taxable income in Vietnam:time period for finalizing data from the 1st to the last day of the reporting month.
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