Decision No. 343/QD-NH17 stipulates the management of capital within the system of People's Credit Funds (PCFs) and supplements and amends certain points in Articles 17 and 18 of the Regulation on Mobilization and Utilization of Capital. The capital adjustment is carried out through PCFs at the regional level, central level, and branches of the State Bank of Vietnam (SBV) in provinces and cities.
适用范围
People's Credit Funds (PCFs) at the regional level, central level, and branches of the State Bank of Vietnam (SBV) in provinces and cities.
要点
- PCFs at the regional level and central level implement capital adjustment through a mechanism of receiving deposits from PCFs with excess capital and lending to PCFs with insufficient capital (new Article 17).
- In areas where there are PCFs at the regional level, the capital adjustment is carried out by PCFs at the regional level; in areas without PCFs at the regional level, it is carried out by SBV branches in provinces and cities (new Article 18).
- Sources of capital for adjustment include: own capital and local mobilized capital, deposits received from funds with excess capital, and loans from the central PCF (new Article 17).
- The central PCF directly adjusts capital for grassroots PCFs in the city of Hanoi (new Article 17).
- Previous provisions contrary to this Decision shall cease to be effective from the date of issuance of the Decision (Article 2).
🌐 本文件的社会影响
- Positive impact: Helps PCFs have stable sources of capital, enhancing their operational capacity and provision of credit services to the public.
- Negative impact: May cause difficulties in the capital adjustment process if not managed effectively.
❓ 常见问题
How do PCFs at the regional and central levels carry out capital adjustment?
PCFs at the regional and central levels carry out capital adjustment through a mechanism of receiving deposits from PCFs with excess capital and lending to PCFs with insufficient capital (new Article 17).
Where there are no PCFs at the regional level, who will carry out capital adjustment?
In areas without PCFs at the regional level, the capital adjustment between PCFs in the locality is carried out by SBV branches in provinces and cities (new Article 18).
What are the sources of capital for adjustment?
Sources of capital for adjustment include: own capital and locally mobilized capital; deposits received from funds with excess capital; loans from the central PCF (new Article 17).
What will happen to previous provisions contrary to this Decision?
Previous provisions contrary to this Decision shall cease to be effective from the date of issuance of the Decision (Article 2).
How does the central PCF carry out capital adjustment?
The central PCF directly carries out capital adjustment for grassroots PCFs in the city of Hanoi (new Article 17).
全文
Pursuant to …;
REGARDING THE SUPPLEMENTATION AND AMENDMENT OF CERTAIN POINTS ON CAPITAL MANAGEMENT IN THE PEOPLE'S CREDIT UNION SYSTEM
GOVERNOR OF THE STATE BANK OF VIETNAM
Pursuant to the Ordinance on the State Bank, promulgated by Decree No. 37/LCT-HNN8 dated May 24, 1990 of the Chairman of the State Council of the Socialist Republic of Vietnam;
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 Decision No. 390/TTg dated July 27, 1993 of the Prime Minister on implementing the pilot project for establishing People's Credit Unions;
At the proposal of the Director of the Department of Management of People's Credit Organizations;
DECISION:
Article 1: To supplement and amend certain points regarding capital management in the People's Credit Union system (PCUs) as stipulated in Articles 17 and 18 - Section IV "Regulations on Mobilization, Utilization of Capital and Interest Rates Applied to Pilot PCUs" issued pursuant to Decision No. 24/QD-NH17 dated December 22, 1994 of the Governor of the State Bank as follows:
1.1. New Article 17: Capital management in the PCU system shall be carried out by regional PCUs and central PCUs according to the mechanism of receiving deposits from PCUs with excess capital and lending to PCUs with insufficient capital.
a. In areas where there are regional PCUs, the supplementary credit capital mobilization and deposit receipt mechanisms under the capital adjustment scheme for grassroots PCUs shall be implemented by the regional PCUs.
b. Sources of capital for adjustment include:
- Own capital and local mobilized capital;
- Deposits received from funds with excess capital to lend again to funds with insufficient capital;
- Loans taken from the Central PCU.
The Central PCU shall implement capital adjustment for regional PCUs and directly adjust capital for grassroots PCUs in the Hanoi area.
1.2. New Article 18:
In areas without regional PCUs, capital management between PCUs within the area shall be carried out by the branches of the State Bank in the province or city.
Sources of capital for lending to grassroots PCUs include:
- Deposits received from grassroots PCUs with excess capital;
- Loans taken from the Central PCU.
Article 2: This Decision takes effect from the date of issuance. Any previous regulations that conflict with this Decision shall cease to be effective.
Article 3. The Chief of the Governor's Office, the Directors of the Department of Management of People's Credit Organizations, the Department of Accounting and Finance, the Heads of relevant units at the Central State Bank, the Governors of the State Bank Branches in provinces and cities, the Chairmen of the Boards of Directors, General Managers of the Central PCU, Directors of Regional PCUs, and Directors of grassroots PCUs are responsible for implementing this Decision./.
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