Circular No. 10/2023/TT-NHNN suspends the implementation of certain contents of Circular No. 39/2016/TT-NHNN and amended by Circular No. 06/2023/TT-NHNN, specifically Clauses 8, 9, and 10 of Article 8 from September 1, 2023. This circular regulates the lending activities of credit institutions and foreign bank branches to customers.
适用范围
Credit institutions, foreign bank branches, and customers with lending relationships.
要点
- Credit institutions, foreign bank branches → cease applying Clause 8, Clause 9, and Clause 10 of Article 8 of Circular No. 39/2016/TT-NHNN from September 1, 2023.
- Customers → are not affected by the suspended provisions from September 1, 2023.
🌐 本文件的社会影响
- Positive impact: Reduces the legal burden for credit institutions, foreign bank branches, and customers.
- Negative impact: May cause difficulties in complying with new regulations if there is no clear notification of changes.
❓ 常见问题
Which clauses of Circular No. 39/2016/TT-NHNN have been suspended?
Clause 8, Clause 9, and Clause 10 of Article 8 of Circular No. 39/2016/TT-NHNN have been suspended from September 1, 2023.
When does this Circular take effect?
This Circular takes effect from September 1, 2023.
Who is responsible for implementing this Circular?
The Director of the Office, Heads of Departments under the State Bank of Vietnam, Heads of Units under the State Bank of Vietnam, Governors of the State Bank of Vietnam branches in provinces and centrally-administered cities, credit institutions, and foreign bank branches are responsible for implementing this Circular.
When will the new lending regulations be applied?
There has been no specific announcement regarding the application date of the new regulations, so it is unclear when credit institutions and foreign bank branches must comply.
How will credit institutions and foreign bank branches be affected?
Credit institutions and foreign bank branches will no longer apply the suspended regulations from September 1, 2023, but need to monitor information about new regulations to ensure compliance.
全文
CIRCULAR
Suspension of the Implementation of Certain Provisions of Circular No. 39/2016/TT-NHNN on the Lending Activities of Credit Institutions and Branches of Foreign Banks for Customers (amended by Circular No. 06/2023/TT-NHNN dated June 28, 2023)
dated December 30, 2016 issued by the Governor of the State Bank of Vietnam
regarding the lending activities of credit institutions and branches of foreign banks for customers
(amended by Circular No. 06/2023/TT-NHNN dated June 28, 2023)
of the Governor of the State Bank of Vietnam promulgating the Circular suspending the implementation of certain provisions of Circular No. 39/2016/TT-NHNN dated December 30, 2016 of the Governor of the State Bank of Vietnam on the lending activities of credit institutions and branches of foreign banks for customers (amended by Circular No. 06/2023/TT-NHNN dated June 28, 2023 of the Governor of the State Bank of Vietnam).
Governor of the State Bank of Vietnam)
Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated June 16, 2010; the Law Amending and Supplementing Certain Articles of the Law on Credit Institutions dated November 20, 2017;
Pursuant to Decree No. 102/2022/NĐ-CP dated December 12, 2022 of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;
Article 1.
Suspension of the implementation of Clause 8, Clause 9, and Clause 10 of Article 8 of Circular No. 39/2016/TT-NHNN dated December 30, 2016 of the Governor of the State Bank of Vietnam on the lending activities of credit institutions and branches of foreign banks for customers (amended according to Clause 2 of Article 1 of Circular No. 06/2023/TT-NHNN dated June 28, 2023 of the Governor of the State Bank of Vietnam on amending and supplementing certain articles of Circular No. 39/2016/TT-NHNN) from September 1, 2023 until the effective date of new regulatory legal documents governing these issues.
Article 1. This Circular takes effect from September 1, 2023.
Article 2. Implementation clause
The Director of the Office, Heads of Departments under the Monetary Policy Department, Heads of Units under the State Bank of Vietnam, Governors of the State Bank of Vietnam Branches in provinces and centrally governed cities, credit institutions, and branches of foreign banks are responsible for organizing the implementation of this Circular./.
This Circular takes effect from December 25, 2025/.
The Head of the Office, the Director of the Monetary Policy Department, the Heads of units under the State Bank of Vietnam, the Governors of the State Bank branches in provinces and centrally governed cities, credit institutions, and foreign bank branches shall be responsible for organizing the implementation of this Circular./.
DEPUTY DIRECTOR
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