This Decision amends and supplements certain contents of Circular No. 03/2000/TT-NHNN on deposit insurance premiums. Deposit insurance participating organizations must prepare a calculation sheet and pay premiums according to the new regulations, with premium rates calculated based on the balance of various types of deposits within the scope of insurance coverage.
适用范围
Deposit insurance participating organizations
要点
- Deposit insurance participating organizations → must prepare a calculation sheet and pay deposit insurance premiums according to the new regulations, with premium rates calculated based on the balance of various types of deposits within the scope of insurance coverage.
- The deposit insurance premium rate is calculated using the formula: (S0 + S3 + S1 + S2) / 4 * 0.15, where S0, S1, S2, S3 are the deposit balances at specific time points.
- Deposit insurance premiums must be paid in four installments annually, quarterly, and deposited into the account of the Vietnam Deposit Insurance Corporation no later than the 20th day of the first month of each quarter for which the deposit insurance premium is due.
- Deposit insurance participating organizations with an average quarterly deposit insurance premium payable amount less than VND 500,000 shall implement the payment of deposit insurance premiums according to the guidance of the Vietnam Deposit Insurance Corporation.
- Annexes No. 2, 4, and 6 are replaced by new annexes 2a, 2b, 4a, and 6a.
🌐 本文件的社会影响
- Positive impact: Helps protect the rights of depositors through clear regulations on deposit insurance premiums.
- Negative impact: May impose a financial burden on deposit insurance participating organizations due to compliance with new regulations on calculating and paying premiums.
❓ 常见问题
What should deposit insurance participating organizations do?
Deposit insurance participating organizations must prepare a calculation sheet and pay deposit insurance premiums according to the new regulations, with premium rates calculated based on the balance of various types of deposits within the scope of insurance coverage.
How is the deposit insurance premium rate calculated?
The deposit insurance premium rate is calculated using the formula: (S0 + S3 + S1 + S2) / 4 * 0.15, where S0, S1, S2, S3 are the deposit balances at specific time points.
When must an organization pay the deposit insurance premium?
Deposit insurance premiums must be paid in four installments annually, quarterly, and deposited into the account of the Vietnam Deposit Insurance Corporation no later than the 20th day of the first month of each quarter for which the deposit insurance premium is due.
If the average quarterly deposit insurance premium is less than VND 500,000, what should the organization do?
Deposit insurance participating organizations with an average quarterly deposit insurance premium payable amount less than VND 500,000 shall implement the payment of deposit insurance premiums according to the guidance of the Vietnam Deposit Insurance Corporation.
Which annexes have changed?
Annexes No. 2, 4, and 6 have been replaced by new annexes 2a, 2b, 4a, and 6a.
全文
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STATE BANK OF VIETNAM |
SOCIALIST REPUBLIC OF VIETNAM |
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Number: 1077/2001/QĐ-NHNN |
Hanoi, August 27, 2001 |
Pursuant to …;
||| Regarding the amendment and supplementation of certain contents in Circular No. 03/2000/TT-NHNN5 dated March 16, 2000 of the State Bank of Vietnam
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GOVERNOR OF THE STATE BANK OF VIETNAM
Pursuant to the Law on the State Bank of Vietnam; the Law on Credit Institutions No. 01/1997/QH10 dated December 12, 1997;
Pursuant to Decree No. 15/CP dated March 2, 1993 of the Government on the tasks, powers, and responsibilities for state management of ministries and ministerial-level agencies;
Pursuant to Decree No. 89/1999/NĐ-CP dated September 1, 1999 of the Government on deposit insurance;
At the proposal of the Director of the Department of Banks and Non-Bank Financial Institutions,
Pursuant to …;
Article 1: Amending and supplementing certain contents in Circular No. 03/2000/TT-NHNN5 dated March 16, 2000 of the Governor of the State Bank of Vietnam;
1. Paragraphs a and b Clause 1 Section IV shall be replaced with the following content:
"a) Organizations participating in deposit insurance shall be responsible for preparing a calculation table and paying the deposit insurance premium to the Deposit Insurance Corporation according to Appendix 2a. For organizations with branches not included in Appendix 2a, they must submit Appendix 2b.
The deposit insurance premium shall be calculated and paid in four installments within a year, quarterly, and shall be deposited into the account of the Deposit Insurance Corporation no later than the twentieth day of the first month of the quarter in which the deposit insurance premium is collected.
The basis for calculating the deposit insurance premium is the balance of all types of deposits subject to insurance in the previous quarter closest to the quarter in which the deposit insurance premium is collected.
For organizations granted permission to establish and operate or to operate or open a branch (for foreign bank branches) after this Circular takes effect, the payment of the first installment of the deposit insurance premium shall be carried out in accordance with the guidance of the Deposit Insurance Corporation.
b) The amount of deposit insurance premium payable for each fund is calculated using the following formula:
Provincial People's Committees set specific prices0 Amount of tax paid: …3
Amount of tax paid: …1 Amount of tax paid: …2
2 0,15
P = x
3 100 x 4
Where:
- P is the amount of deposit insurance premium payable in the quarter;
- The Office of Legal Document Supervision (Ministry of Justice);0 is the balance of deposits subject to insurance at the beginning of the first month of the previous quarter closest to the quarter in which the deposit insurance premium is collected;
- The Office of Legal Document Supervision (Ministry of Justice);1/H2/H3 is the balance of deposits subject to insurance at the end of the first, second, and third months of the previous quarter closest to the quarter in which the deposit insurance premium is collected;
0.15 is the deposit insurance premium rate payable for each quarter of the year.
100 x 4
The amount of deposit insurance premium payable shall be rounded off to the nearest thousand dong.
For organizations participating in deposit insurance with an average deposit insurance premium payable for a quarter less than 500,000 dong, the payment of the deposit insurance premium shall be carried out in accordance with the guidance of the Deposit Insurance Corporation."
2. Paragraph c Clause 1 Section IV shall be abolished.
3. Appendix 2 shall be replaced by Appendices 2a and 2b; Appendix 4 shall be replaced by Appendix 4a; Appendices 6 and 7 shall be replaced by a single Appendix 6a.
Article 2: This Decision shall take effect fifteen days from the date of signature. All previous regulations contrary to the provisions of this Decision shall be repealed.
Article 3: The Director of the Office of the State Bank of Vietnam, Heads of units under the State Bank of Vietnam, Chairmen of the Board of Directors, General Directors of the Deposit Insurance Corporation, Chairmen of the Board of Directors, General Directors (Directors) of organizations participating in deposit insurance within their respective functions and duties shall be responsible for organizing guidance and implementation of this Decision.
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DEPUTY GOVERNOR OF THE STATE BANK DEPUTY DIRECTOR (Signed) Tran Minh Tuan |
(APPENDIX 2A)
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Name of organization participating in Deposit Insurance ........................................ |
SOCIALIST REPUBLIC OF VIET NAM ......., dated... the... year.......... |
CALCULATION AND PAYMENT OF DEPOSIT INSURANCE PREMIUM
Quarter...year...
Unit: dong
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Serial number |
Type of deposit balance |
Amount |
Remarks |
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1. |
Balance of all types of deposits insured in the previous quarter (closest to the quarter in which the premium is collected): - Balance at the beginning of the first month (S0) - Balance at the end of the first month (S1) - Balance at the end of the second month (S2) - Balance at the end of the third month (S3) |
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2. |
Average deposit balance in the previous quarter (closest to the quarter in which the premium is collected) |
Provincial People's Committees set specific prices0 Amount of tax paid: …3 Amount of tax paid: …1 Amount of tax paid: …2 2 3 |
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3. |
Deposit insurance premium payable for the quarter in which the premium is collected |
0,15 (3) = (2) x 100 x 4 |
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4. |
Premium transferred from the previous quarter: - Underpaid transfer (+) - Overpaid transfer (-) |
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5. |
Fine for late payment of premium in the previous quarter |
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6. |
Total premium payable |
(6) = (3) ± (4) + (5) |
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Prepared by |
…on…day…month…year… |
Branches of Commercial Joint Stock Banks, Credit Cooperatives, Credit Guarantee Fund, and Basic Credit Cooperatives (Director) |
Note: row 4
(+) is the underpaid premium of the previous quarter
(-) is the overpaid premium of the previous quarter.
(APPENDIX 2B)
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Name of organization participating in Deposit Insurance ............................................. |
SOCIALIST REPUBLIC OF VIET NAM ..........., dated... the... year...... |
LIST OF BALANCES OF DEPOSITS SUBJECT TO INSURANCE
Quarter...year...
(Supplementary for organizations with branches)
Unit: dong
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Serial Number |
Head office, branch name |
Balance of all types of deposits insured in the previous quarter (closest to the quarter in which the premium is collected) |
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Beginning of the first month (S0) |
End of the first month (S1) |
End of the second month (S2) |
End of the third month (S3) |
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Terrestrial Mobile Radio Equipment with Detachable Antennas Used for Analog Voice Communication |
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(f) |
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Head office |
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2. |
Branch... |
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3. |
Branch... |
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Prepared by |
…on…day…month…year… |
Branches of Commercial Joint Stock Banks, Credit Cooperatives, Credit Guarantee Fund, and Basic Credit Cooperatives (Director) |
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(APPENDIX NUMBER 4A)
SOCIALIST REPUBLIC OF VIET NAM
Independence - Freedom - Happiness
..., date..., month..., year...
APPLICATION FOR RECEIVING INSURANCE MONEY
My name is: …
Identity card number:...issued by the Police Station:...on...
Passport number:...issued by...on...
Permanent residence address: ...
1. Currently have a total of...million dong in deposits insured
(amount in words...) at the organization
participating in insurance named...
including:
- On account number:...Amount...dong
- Savings book number: +...Amount...dong
+....................................................................................
+....................................................................................
- Deposit certificate:...Amount...dong
Total:...dong
2. I currently owe...the amount of...dong
(amount in words...)
3. Remaining insured deposit amount (1-2) is:...dong
(amount in words...)
Request the Deposit Insurance Corporation to approve me to receive insurance money at:
- Place registered to receive insurance money:...
.....................................................................................................................
- Address as requested: ...
.....................................................................................................................
I agree to bear all costs of transferring the money.
Respectfully request.
Depositor
(Signature, full name)
(APPENDIX NUMBER 6A)
SOCIALIST REPUBLIC OF VIET NAM
Independence - Freedom - Happiness
..., date..., month..., year...
POWER OF ATTORNEY
Regarding Receive insurance money
To: Deposit Insurance Corporation
My name is: …
Identity card number:...issued by the Police Station:...on...
Passport number:...issued by:...on...
Permanent residence address: ...
1. Currently have a total of...dong in deposits insured
(amount in words...) at the organization
participating in insurance named...
including:
- On account number:...Amount...dong
- Savings book number: +...Amount...dong
+ ..........................................................................................
+ ..........................................................................................
- Deposit certificate:...Amount...dong
Total:...dong
2. I currently owe...the amount of...dong
3. Remaining insured deposit amount (1-2) is:...dong
(amount in words: ...........................................................................................)
Attached are documents proving legal ownership of the insurance money.
I hereby authorize the person named below to receive the sum of...dong (amount in words:........................................................................)
- Authorized person's name:...
- Permanent residence address:...
- ID card (or passport) number:...issued by...on...
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Authorized Person (Sign and write full name) Confirmation by the Police Station (or Village) where the authorized person resides |
Authorizer (Signature, full name) |
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