Decision No. 1380/2002/QD-NHNN of the Governor of the State Bank of Vietnam abolishes the provisions on the amount of unsecured loans granted by many credit institutions, applicable from November 9, 2002.
적용 범위
Credit institutions include People's Credit Funds at all levels, Joint Stock Commercial Banks, Joint Stock Finance Companies, Joint Venture Banks, State-Owned Commercial Banks, Branches of Foreign Banks in Vietnam, Finance Companies within State-Owned Corporations, and Microfinance Banks.
핵심 사항
- Credit institutions are no longer bound by the provisions on the amount of unsecured loans according to Decisions 991/2001, 992/2001, and 993/2001 of the Governor of the State Bank of Vietnam.
- Credit institutions bear responsibility for their decisions to grant unsecured loans.
- This decision takes effect from November 9, 2002.
🌐 이 문서의 사회적 영향
- Releasing credit institutions from the constraints on the amount of unsecured loans will enhance their flexibility in risk management and improve their ability to serve customers.
- However, it should be noted that this freedom also means higher responsibility for credit institutions.
❓ 자주 묻는 질문
How much can credit institutions lend without collateral?
There is no specific provision regarding the amount of unsecured loans; credit institutions bear responsibility and decide based on actual circumstances.
When does this decision take effect?
This decision comes into force from November 9, 2002.
What must credit institutions comply with after this decision is issued?
Credit institutions must establish regulations on unsecured lending and bear responsibility for their decisions.
Which specific loan amounts does this decision abolish?
This decision abolishes Decisions 991/2001, 992/2001, and 993/2001 of the Governor of the State Bank of Vietnam concerning the amount of unsecured loans.
Are credit institutions bound by any new regulations after this decision is issued?
No, credit institutions are no longer bound by the provisions on the amount of unsecured loans according to the abolished decisions.
전문
Pursuant to …; OF THE GOVERNOR OF THE STATE BANK OF VIETNAM
REGARDING THE ABOLITION OF THE PROVISION ON THE LEVEL OF UNSECURED LOANS
WITH ASSETS BY CREDIT ORGANIZATIONS
GOVERNOR OF THE STATE BANK OF VIETNAM
BASED ON THE LAW ON THE STATE BANK OF VIETNAM 01/1997/QH10 dated December 12, 1997 and the Law on Credit Organizations 02/1997/QH10 dated December 12, 1997;
BASED ON 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;
BASED ON CLAUSE 19, ARTICLE 1 OF DECREE NO. 85/2002/NĐ-CP dated October 25, 2002 of the Government on the guarantee of loans by credit organizations;
Article 1.
Pursuant to …;
Article 1. ABOLISH THE FOLLOWING DECISIONS OF THE GOVERNOR OF THE STATE BANK OF VIETNAM:
1. DECISION NO. 991/2001/QĐ-NHNN dated August 6, 2001 on the level of unsecured loans with assets for People's Credit Funds at all levels;
2. DECISION NO. 992/2001/QĐ-NHNN dated August 6, 2001 on the level of unsecured loans with assets for Joint Stock Commercial Banks, Joint Stock Finance Companies, and Joint Ventures Banks;
3. DECISION NO. 993/2001/QĐ-NHNN dated August 6, 2001 on the level of unsecured loans with assets for State Commercial Banks, Branches of Foreign Banks in Vietnam, Finance Companies within State Corporations, and Poor People Service Banks;
Article 2. BASED ON DECREE NO. 85/2002/NĐ-CP dated October 25, 2002 of the Government amending and supplementing DECREE NO. 178/1999/NĐ-CP dated December 29, 1999 of the Government on the guarantee of loans by credit organizations, DECREE NO. 178/1999/NĐ-CP dated December 29, 1999 of the Government on the guarantee of loans by credit organizations, and guiding documents, credit organizations shall establish regulations on unsecured loans and the level of unsecured loans to ensure the safety of credit operations and bear responsibility for their decisions.
Article 3. THIS DECISION SHALL TAKE EFFECT FROM November 9, 2002.
Article 4. HEADS OF UNITS UNDER THE STATE BANK OF VIETNAM, GOVERNORS OF PROVINCE AND CITY CENTRAL BRANCHES OF THE STATE BANK OF VIETNAM; BOARDS OF MANAGEMENT AND GENERAL MANAGERS (DIRECTORS) OF CREDIT ORGANIZATIONS ARE RESPONSIBLE FOR IMPLEMENTING THIS DECISION./.
원본 문서(PDF)
관계도
문서를 클릭하면 열립니다. 빨간 테두리＝효력을 변경하는 관계.