Decision 312/2003/QD-NHNN amends and supplements provisions on unsecured loans for farming households and farm owners. Farming households with feasible investment projects are considered for unsecured loans up to VND 30 million by credit organizations.
适用范围
Farming households and farm owners engaged in agricultural, forestry, fishery, and salt production with feasible investment projects located in areas that have been planned and invested in infrastructure.
要点
- Farming households and farm owners engaged in commodity production with feasible investment projects → are considered for unsecured loans up to VND 30 million.
- Credit organizations only require submission of land use right certificates or confirmation letters from People's Committees of communes, wards, or towns regarding the absence of land disputes.
🌐 本文件的社会影响
- Positive impact: Facilitates easier access to credit capital for farming households and farm owners, promoting production and business activities.
- Negative impact: May lead to credit risks if credit organizations do not strictly control.
❓ 常见问题
What is the maximum amount that farming households can borrow?
Farming households with feasible investment projects are considered for unsecured loans up to VND 30 million as stipulated in Article 1 of this Decision.
What requirements must credit organizations impose on farming households when providing loans?
Credit organizations only require submission of land use right certificates or confirmation letters from People's Committees of communes, wards, or towns regarding the absence of land disputes as stipulated in Article 1 of this Decision.
To whom does this Decision apply?
This Decision applies to farming households and farm owners engaged in agricultural, forestry, fishery, and salt production with feasible investment projects located in areas that have been planned and invested in infrastructure as stipulated in Article 1 of this Decision.
What is the duration of effectiveness of this Decision?
This Decision takes effect fifteen days after its publication in the Official Gazette as stipulated in Article 2 of this Decision.
When may credit organizations consider unsecured loans for farming households?
Credit organizations may consider unsecured loans up to VND 30 million for farming households and farm owners with feasible investment projects located in areas that have been planned and invested in infrastructure as stipulated in Article 1 of this Decision.
全文
Pursuant to …;
OF THE GOVERNOR OF THE STATE BANK OF VIETNAM YEAR
Regarding the amendment and supplementation of paragraph a, point 2 of Circular No. 03/2003/TT-NHNN dated February 24, 2003 24/02/2003 guiding the provision of loans without collateral according to Resolution No. 02/2003/NQ-CP dated January 17, 2003 17/01/2003 of the Government
GOVERNOR OF THE STATE BANK OF VIETNAM
Pursuant to the Law on the State Bank of Vietnam No. 01/1997/QH10 dated December 12, 1997 Male and the Law on Credit Institutions of December 12, 1997;
Pursuant to Decree No. 86/2002/ND-CP dated November 5, 2002 of the Government stipulating the functions, tasks, powers, and organizational structure of Ministries and ministerial-level agencies;
Pursuant to the proposal of the Director of the Monetary Policy Department,
DECISION:
Article 1. Amending and supplementing paragraph a of point 2 of Circular No. 03/2003/TT-NHNN dated February 24, 2003 of the Governor of the State Bank of Vietnam guiding the provision of loans without collateral according to Resolution No. 02/2003/NQ-CP dated January 17, 2003 of the Government as follows:
"a. For farming households, farm owners engaged in agricultural, forestry, fishery, salt production activities with a commercial nature, having investment projects and feasible production and business plans, located in areas that have been planned and invested in infrastructure, and have signed product sales contracts with enterprises or cooperatives, or have not signed such contracts but the products mentioned in their investment projects and production and business plans have market potential, credit organizations shall consider providing loans up to thirty million dong without applying collateral measures, only requiring submission of land use right certificates or confirmation letters from the People's Committees of communes, wards, or towns regarding the absence of land disputes."
Article 2. This Decision shall take effect fifteen days after its publication in the Official Gazette.
Article 3. Heads of units under the State Bank of Vietnam, Governors of the State Bank of Vietnam Branches in provinces and centrally governed cities, Boards of Directors and General Managers (Directors) of credit institutions are responsible for implementing this Decision.
DEPUTY DIRECTOR
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