Circular No. 21/2015/TT-NHNN amending and supplementing certain Articles of Circular No. 22/2014/TT-NHNN dated August 15, 2014 of the State Bank of Vietnam guiding the implementation of credit policies under Decree No. 67/2014/NĐ-CP dated July 7, 2014 of the Government on some policies for developing fisheries.

Circular No. 21/2015/TT-NHNN amends and supplements certain Articles of Circular No. 22/2014/TT-NHNN to guide the implementation of credit policies according to Decree No. 67/2014/NĐ-CP and Decree No. 89/2015/NĐ-CP on developing fisheries. This document specifies details regarding the scope of regulation, interest rates, loan limits, loan terms, and the responsibilities of related parties.

Số hiệu21/2015/TT-NHNN
Loại văn bảnCircular
Cơ quan ban hànhState Bank of Vietnam
Người kýNguyễn Đồng Tiến — Phó Thống đốc
Cập nhật24/06/2026
NgànhBanking
Lĩnh vựcCredit
Ngày ban hành16/11/2015
Ngày áp dụng25/11/2015
Ngày hết hiệu lực
Tình trạngIn effect
✦ Tóm lược thông minh

Circular No. 21/2015/TT-NHNN amends and supplements certain Articles of Circular No. 22/2014/TT-NHNN to guide the implementation of credit policies according to Decree No. 67/2014/NĐ-CP and Decree No. 89/2015/NĐ-CP on developing fisheries. This document specifies details regarding the scope of regulation, interest rates, loan limits, loan terms, and the responsibilities of related parties.

Đối tượng áp dụng

Commercial banks, credit organizations, ship owners operating distant-water fishing vessels, and service support vessels for distant-water fishing.

Các điểm cốt lõi

  • Commercial banks → provide loans for ship owners to place orders for building new and upgrading distant-water fishing vessels and service support vessels for distant-water fishing → as stipulated in Decree No. 67/2014/NĐ-CP (amended by Decree No. 89/2015/NĐ-CP).
  • Commercial banks → must implement loan limits and interest rates according to point e Clause 1, point c, point d Clause 3 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 3 Article 1 of Decree No. 89/2015/NĐ-CP).
  • Commercial banks → must implement the term of subsidized interest rate loans according to point d Clause 1 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 4 Article 1 of Decree No. 89/2015/NĐ-CP).
  • Commercial banks → must cooperate with ship owners to review and adjust the loan period for building new and upgrading distant-water fishing vessels and service support vessels for distant-water fishing in accordance with point d Clause 1 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 4 Article 1 of Decree No. 89/2015/NĐ-CP).
  • Commercial banks, credit organizations → are responsible for organizing the implementation of this Circular.

🌐 Tác động xã hội từ văn bản này

  • Positive impact: Support the development of fisheries through providing credit loans to ship owners, helping to enhance fishing and service support capabilities.
  • Negative impact: May increase borrowing costs for ship owners due to adjustments in interest rates and loan terms.

❓ Câu hỏi thường gặp

What can commercial banks lend for?

Commercial banks can lend for ship owners to place orders for building new and upgrading distant-water fishing vessels and service support vessels for distant-water fishing.

How are loan interest rates specified?

Loan interest rates are implemented according to point e Clause 1, point c, point d Clause 3 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 3 Article 1 of Decree No. 89/2015/NĐ-CP).

What is the term for subsidized interest rate loans?

The term for subsidized interest rate loans is implemented according to point d Clause 1 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 4 Article 1 of Decree No. 89/2015/NĐ-CP).

How should commercial banks cooperate with ship owners?

Commercial banks must cooperate with ship owners to review and adjust the loan period for building new and upgrading distant-water fishing vessels and service support vessels for distant-water fishing in accordance with point d Clause 1 Article 4 of Decree No. 67/2014/NĐ-CP (amended by Clause 4 Article 1 of Decree No. 89/2015/NĐ-CP).

When does this Circular take effect?

This Circular takes effect from November 25, 2015.

Toàn văn

STATE BANK OF VIETNAM
VIETNAM

SOCIALIST REPUBLIC OF VIET NAM
Independence – Freedom – Happiness

Number: 21/2015/TT-NHNN
Hanoi, November 16, 2015

CIRCULAR

Amending and supplementing certain Articles of TCircular number 22/2014/TT-NHNN dated August 15, 2014 of N |||the cooperative N |||at enterprises Vstrict N |||guiding implementation of credit policies according to N |||Decree number 67/2014/NĐ-CP July 7 2014 of Cthe Government on certain policies for developing fisheriesFor power plants invested under the Build-Operate-Transfer (BOT) model, n is determined according to the operational period of the power plant stipulated in the BOT contract.

______________________________

Pursuant to the Law on the State Bank of Vietnam number 46/2010/QH12 dated June 16, 2010;1Decision number 156/2013/NĐ-CP dated June 11,

Based on the Law on Credit Institutions No.No. No. 47/2010/QH12 dated June 16, 2010;

Pursuant to DecreeNo. 2014 ofJune 2024;energy 11 Pursuant to Decree No. 32/2019/NĐ-CP dated April 10, 2019 of the Government on assigning tasks, procurement or tendering for the supply of products and services using state budget from regular operating expenses;1At the proposal of the Director of the Department of Labor Relations and Wages of the Ministry of Labor - Invalids and Social Affairs,"b) In addition to the lists of public services issued according to the provisions of Clause 2, Article 4 of this Decree, specialized agencies under provincial People's Committees shall report to the provincial People's Committee for decision-making on amending, supplementing, or issuing the list of public services funded by the state budget within their jurisdiction and consistent with the local budget capacity within the approved budget by the Provincial People's Assembly, and send it to the Ministry of Finance and relevant ministries and sectors for supervision during implementation.""4. As of March 31, 2021, credit card issuers that issue cards with BINs issued by the State Bank of Vietnam must comply with the Domestic Chip Card Standard."onThe Director of the Office, Heads of Payment Department, Heads of units under the State Bank of Vietnam; credit institutions, foreign bank branches, payment switching organizations, electronic transaction settlement organizations are responsible for implementing this Circular.of the Government stipulating functions, tasks, powers, and organizational structure of the Ministry of Home AffairsThis Circular takes effect from February 16, 2021, except for the provisions of Clause 2 of this Article.

Pursuant to DecreeNo. the Government on certain policies for developing fisheries; Decree numberNo. 89/2015/NĐ-CP dated October 7, 2015 of the Government amending and supplementing some articles of Decree numberNo. 67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries;No. the Government on certain policies for developing fisheries;a the Government on certain policies for developing fisheries;No. According to the proposal of the Director of the Department of Credit for Economic Sectors

to amend and supplement some articles;

(Circular No. 36/2014/TT-NHNN)., amended and supplemented by Decree No. 109/2025/NĐ-CP and Decree No. 193/2025/NĐ-CPof Circular numberPointof Circular numberNo. 22/2014/TT-NHNN dated August 15, 2014 of the State Bank of Vietnam guiding the implementation of credit policies according to Decree numberFUNCTIONS, DUTIES, POWERS, ORGANIZATIONAL STRUCTURE, OPERATIONAL REGULATIONS, AND RELATIONSHIPS OF MANAGEMENT BOARDS; DUTIES, POWERS OF THE CHAIRPERSON, VICE CHAIRPERSON (IF ANY), SECRETARY, AND MEMBERS OF MANAGEMENT BOARDS67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries.No. Article 1. Amending and supplementing some articles of Circular number 22/2014/TT-NHNN dated August 15, 2014 of the State Bank of Vietnam guiding the implementation of credit policies according to Decree number 67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries:1This Circular stipulates the provision of loans for ordering new construction and upgrading fishing vessels operating in distant waters, and service support vessels for distant water fishing operations; providing working capital loans for distant water fishing operations and service support for distant water fishing operations according to Decree number 67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries (hereinafter referred to as Decree number 67/2014/NĐ-CP) and Decree number 89/2015/NĐ-CP dated October 7, 2015 of the Government amending and supplementing some articles of Decree number 67/2014/NĐ-CP (hereinafter referred to as Decree number 89/2015/NĐ-CP)."

Article 1. Amending and supplementing some articles of Circular number 22/2014/TT-NHNN dated August 15, 2014 of the State Bank of Vietnam guiding the implementation of credit policies according to Decree number 67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries:

1. Clause 1 of Article 1 shall be amended and supplemented as follows:

"1. Scope of regulation:

Point a Clause 2 Article 1 is amended and supplemented as follows:

"a) The ship owner as prescribed in Clause 2 Article 2 of Decree number 67/2014/NĐ-CP (amended and supplemented by Clause 1 Article 1 of Decree number 89/2015/NĐ-CP)"

3. Clause 1 Article 3 is amended and supplemented as follows:

"1. Providing loans for ship owners to place orders for new construction and upgrading of distant water fishing vessels and service support vessels for distant water fishing operations as prescribed in Point a Clause 1 Article 4 of Decree number 67/2014/NĐ-CP (amended and supplemented by Clause 2 Article 1 of Decree number 89/2015/NĐ-CP)."

"1. The loan limit and interest rate shall be implemented according to the provisions at Point e Clause 1, Point c, Point d Clause 3 Article 4 of Decree number 67/2014/NĐ-CP and Point c Clause 1 Article 4 of Decree number 67/2014/NĐ-CP (amended and supplemented by Clause 3 Article 1 of Decree number 89/2015/NĐ-CP)."

“1. Members of the Committee are responsible for fully participating in all activities of the Committee; implementing tasks assigned by the Chairman of the Committee and being accountable to the Chairman of the Committee for the performance of these tasks;

5. Point a Clause 4 Article 5 is amended and supplemented as follows:

"a) The loan term for interest subsidy for new construction and upgrading of distant water fishing vessels and service support vessels for distant water fishing operations shall be implemented according to the provisions at Point d Clause 1 Article 4 of Decree number 67/2014/NĐ-CP (amended and supplemented by Clause 4 Article 1 of Decree number 89/2015/NĐ-CP)."

6. Clause 8 Article 9 is added as follows:

"8. Cooperating with the ship owner to review and adjust the loan period for new construction of distant water fishing vessels and service support vessels for distant water fishing operations in accordance with the provisions at Point d Clause 1 Article 4 of Decree number 67/2014/NĐ-CP (amended and supplemented by Clause 4 Article 1 of Decree number 89/2015/NĐ-CP)."

1. This Circular takes effect from November 25, 2015.

Article 2. Implementation clause

2. The Director of the Office, the Director of the Department of Credit for Economic Sectors, and the Heads of units under the State Bank of Vietnam; the Governors of the State Bank of Vietnam branches in provinces and centrally governed cities; the Chairmen of the Boards of Directors, Chairmen of the Boards of Management, and General Directors of commercial banks are responsible for organizing the implementation of this Circular./.

2. The Director of the Office, the Heads of the Credit Department for Economic Sectors, and the Heads of units under the State Bank of Vietnam; the Governors of the State Bank branches in provinces and centrally governed cities; the Chairmen of the Board of Members, the Chairmen of the Board of Management, and the General Directors of commercial banks shall be responsible for organizing the implementation of this Circular./.

DIRECTOR
DEPUTY DIRECTOR
Nguyen Dong Tien

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21/2015/TT-NHNN
Circular No. 21/2015/TT-NHNN amending and supplementing certain Articles of Circular No. 22/2014/TT-NHNN dated August 15, 2014 of the State Bank of Vietnam guiding the implementation of credit policies under Decree No. 67/2014/NĐ-CP dated July 7, 2014 of the Government on some policies for developing fisheries.
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