Circular No. 35/2026/TT-NHNN amends and supplements certain provisions of Circulars on documentary credit operations, bank guarantees, and guides the implementation of some credit programs due to changes in the names of units under the State Bank of Vietnam. This document applies to the State Bank of Vietnam, credit organizations, foreign bank branches, and related individuals.
적용 범위
The State Bank of Vietnam, credit organizations, foreign bank branches, and related individuals.
핵심 사항
- Replace the phrase 'Department of Credit for Economic Sectors' with the phrase 'Department of Credit' in many articles of Circular No. 11/2013/TT-NHNN, Circular No. 13/2014/TT-NHNN, Circular No. 22/2014/TT-NHNN, Circular No. 27/2015/TT-NHNN, Circular No. 01/2016/TT-NHNN, and Circular No. 45/2018/TT-NHNN.
- Replace the phrase 'Department of Credit for Economic Sectors' with the phrase 'Department of Credit' in Article 8 of Circular No. 17/2022/TT-NHNN, Article 55 of Circular No. 21/2024/TT-NHNN, and Clause 1 of Article 36 of Circular No. 61/2024/TT-NHNN.
- Replace the phrase 'Department of Credit for Economic Sectors' with the phrase 'Department of Credit' in Article 7 and the Appendix issued together with Circular No. 29/2025/TT-NHNN.
- This Circular takes effect from July 1, 2026, and abolishes Article 2 of Circular No. 85/2025/TT-NHNN.
- Heads of units under the State Bank, credit organizations, and foreign bank branches are responsible for organizing the implementation of this Circular.
🌐 이 문서의 사회적 영향
- Positive impact: Ensuring consistency and synchronization in the management of credit activities of the State Bank of Vietnam.
- Negative impact: It may cause inconvenience for credit organizations and foreign bank branches when they have to adjust their content according to the new Circular.
- Affected entities will need to implement changes in their management processes and operations.
❓ 자주 묻는 질문
When does this Circular take effect?
This Circular takes effect from July 1, 2026 (Article 11).
What phrase replaces the phrase 'Department of Credit for Economic Sectors'?
The phrase 'Department of Credit for Economic Sectors' is replaced by the phrase 'Department of Credit' (Articles 1, 2, 3, 4, 5, 6, 7, 8, 9, 10).
What does this Circular abolish?
This Circular abolishes Article 2 of Circular No. 85/2025/TT-NHNN (Article 11).
What must credit organizations and foreign bank branches do?
Heads of units under the State Bank, credit organizations, and foreign bank branches are responsible for organizing the implementation of this Circular (Article 11).
To which entities does this Circular apply?
This Circular applies to the State Bank of Vietnam, credit organizations, foreign bank branches, and related individuals (Opening paragraph).
전문
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STATE BANK OF VIETNAM |
SOCIALIST REPUBLIC OF VIET NAM |
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Number: 35/2026/TT-NHNN |
Hanoi, July 1, 2026 |
CIRCULAR
Amending and supplementing certain Articles of Circulars on documentary credit operations, bank guarantee operations, and guiding the implementation of certain credit programs due to changes in the names of units under the State Bank of Vietnam.
Pursuant to the Law on the State Bank of Vietnam No. 46/2010/QH12;
Pursuant to the Law on Credit Organizations No. 32/2024/QH15 amended and supplemented by Law No. 96/2025/QH15;
Pursuant to Decree No. 26/2025/NĐ-CP of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam amended and supplemented by Decree No. 198/2026/NĐ-CP;
This Decision promulgates the Regulation on secured lending through pledge of short-term negotiable instruments by the State Bank for commercial banks.
The Governor of the State Bank of Vietnam promulgates this Circular amending and supplementing certain Articles of Circulars on documentary credit operations, bank guarantee operations, and guiding the implementation of certain credit programs due to changes in the names of units under the State Bank of Vietnam.
Article 1. Amending and supplementing certain Articles of Circular No. 11/2013/TT-NHNN stipulating housing loan support according to Resolution No. 02/NQ-CP dated January 7, 2013 of the Government, amended and supplemented by Circular No. 32/2014/TT-NHNN, Circular No. 25/2016/TT-NHNN, and Circular No. 85/2025/TT-NHNN.
1. Replacing the phrase "Department of Credit for Economic Sectors" with the phrase "Credit Department" in Clause 5, Article 8 (amended and supplemented by Article 1 of Circular No. 85/2025/TT-NHNN), Article 11 (amended and supplemented by Article 3 of Circular No. 85/2025/TT-NHNN), Appendix No. 01, Appendix No. 02, Appendix No. 03, and Appendix No. 04 issued together with Circular No. 11/2013/TT-NHNN (amended and supplemented by Article 5 of Circular No. 85/2025/TT-NHNN).
2. Replacing the phrase "Department of Forecasting and Statistics - Monetary Stability and Finance" with the phrase "Forecasting and Statistics Department" in Appendix No. 02 issued together with Circular No. 11/2013/TT-NHNN (amended and supplemented by Article 5 of Circular No. 85/2025/TT-NHNN).
Article 2. Amending and supplementing certain Articles of Circular No. 13/2014/TT-NHNN guiding loans according to Decision No. 68/2013/QĐ-TTg dated November 14, 2013 of the Prime Minister on policies to reduce losses in agriculture, amended and supplemented by Circular No. 85/2025/TT-NHNN.
Replacing the phrase "Department of Credit for Economic Sectors" with the phrase "Credit Department" in Article 7, Article 9 (amended and supplemented by Article 7 of Circular No. 85/2025/TT-NHNN) and the Model Form issued together with Circular No. 13/2014/TT-NHNN.
Article 3. Amending and supplementing certain Articles of Circular No. 22/2014/TT-NHNN guiding the implementation of credit policies according to Decree No. 67/2014/NĐ-CP dated July 7, 2014 of the Government on certain policies for developing fisheries, amended and supplemented by Circular No. 21/2015/TT-NHNN, Circular No. 12/2018/TT-NHNN, and Circular No. 85/2025/TT-NHNN.
Replacing the phrase "Department of Credit for Economic Sectors" with the phrase "Credit Department" in Article 10 (amended and supplemented by Article 9 of Circular No. 85/2025/TT-NHNN) and the Model Form issued together with Circular No. 22/2014/TT-NHNN.
Article 4. Amending and supplementing certain Articles of Circular No. 27/2015/TT-NHNN guiding the implementation of loans for planting production forests and developing livestock breeding according to Decree No. 75/2015/NĐ-CP dated September 9, 2015 of the Government, amended and supplemented by Circular No. 85/2025/TT-NHNN.
Replacing the phrase "Department of Credit for Economic Sectors" with the phrase "Credit Department" in Article 10 (amended and supplemented by Article 11 of Circular No. 85/2025/TT-NHNN).
Article 5. Amend and supplement some articles of Circular No. 01/2016/TT-NHNN guiding policies on loans for the development of supporting industries, amended and supplemented by Circular No. 85/2025/TT-NHNN.
Replace the phrase "Department of Credit for Economic Sectors" with the phrase "Department of Credit" in Clause 2, Article 8 (amended and supplemented by Article 14 of Circular No. 85/2025/TT-NHNN) and Article 9 (amended and supplemented by Article 15 of Circular No. 85/2025/TT-NHNN).
Article 6. Amend and supplement some articles of Circular No. 45/2018/TT-NHNN guiding credit institutions in lending secured by the Guarantee Fund for Credit Guarantees as prescribed in Decree No. 34/2018/NĐ-CP dated March 8, 2018 of the Government, amended and supplemented by Circular No. 85/2025/TT-NHNN.
Replace the phrase "Department of Credit for Economic Sectors" with the phrase "Department of Credit" in Article 8 (amended and supplemented by Article 17 of Circular No. 85/2025/TT-NHNN).
Article 7. Amend and supplement Article 8 of Circular No. 17/2022/TT-NHNN guiding the implementation of environmental risk management in credit activities of credit institutions and foreign bank branches.
Article 8. Implementation organization
The heads of units under the State Bank of Vietnam, credit institutions, foreign bank branches, and related organizations and individuals shall be responsible for organizing the implementation of this Circular.
Article 8. Amend and supplement some articles of Circular No. 21/2024/TT-NHNN stipulating documentary credit operations and other business activities related to documentary credits, amended and supplemented by Circular No. 85/2025/TT-NHNN.
Replace the phrase "Department of Credit for Economic Sectors" with the phrase "Department of Credit" in Clause 1, Article 55 (amended and supplemented by Article 21 of Circular No. 85/2025/TT-NHNN).
Article 9. Amend and supplement some articles of Circular No. 61/2024/TT-NHNN stipulating bank guarantees.
Replace the phrase "Department of Credit for Economic Sectors" with the phrase "Department of Credit" in Clause 1, Article 36.
Article 10. Amend and supplement some articles of Circular No. 29/2025/TT-NHNN guiding credit institutions and foreign bank branches in lending to the agricultural and rural sectors.
Replace the phrase "Department of Credit for Economic Sectors" with the phrase "Department of Credit" in Article 7 and the Appendix attached to Circular No. 29/2025/TT-NHNN.
Article 11. Implementation Provisions
1. This Circular takes effect from July 1, 2026.
2. This Circular abolishes Article 2 of Circular No. 85/2025/TT-NHNN.
3. The heads of units under the State Bank of Vietnam, credit institutions, and foreign bank branches shall be responsible for organizing the implementation of this Circular.
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Place of Receipt: - Government Office; - Ministry of Justice (for verification); |
DIRECTOR DEPUTY DIRECTOR
Nguyen Ngoc Canh |
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