Decision No. 381/2003/QĐ-NHNN amends and supplements safety ratios in the operation of credit institutions. These ratios apply to different types of credit institutions such as state-owned commercial banks, joint venture credit institutions, foreign bank branches, and shareholding credit institutions. The decision also supplements the requirement for credit institutions to maintain deposits at the Social Policy Bank.
Đối tượng áp dụng
Credit institutions include: State-owned commercial banks, other state-owned credit institutions, joint venture banks, other joint venture credit institutions, foreign bank branches, state and people's shareholding credit institutions (including commercial banks and other credit institutions), cooperative credit institutions.
Các điểm cốt lõi
- State-owned credit institutions: The maximum ratio of short-term capital used for medium- and long-term loans is 30% (commercial banks) or 25% (other credit institutions).
- Other joint venture credit institutions: The maximum ratio of short-term capital used for medium- and long-term loans is 30% (joint venture banks) or 25% (other joint venture credit institutions).
- Foreign bank branches: The maximum ratio of short-term capital used for medium- and long-term loans is 30%.
- State and people's shareholding credit institutions: The maximum ratio of short-term capital used for medium- and long-term loans is 30% (commercial banks) or 20% (other credit institutions).
- Cooperative credit institutions: The maximum ratio of short-term capital used for medium- and long-term loans is 10%.
🌐 Tác động xã hội từ văn bản này
- Beneficiaries from this regulation include credit institutions, particularly state-owned commercial banks and cooperative credit institutions. However, applying higher safety ratios may limit their lending capacity.
- Those negatively affected include customers due to reduced lending capacity of credit institutions.
❓ Câu hỏi thường gặp
What is the maximum ratio of short-term capital used for medium- and long-term loans for state-owned commercial banks?
30%
Which entities must maintain deposits at the Social Policy Bank?
Deposits of state-owned credit institutions must be maintained at the Social Policy Bank as prescribed.
When does this decision take effect?
This decision takes effect fifteen days after its publication in the Official Gazette.
What is the maximum percentage of short-term capital that state and people's shareholding credit institutions can use for medium- and long-term loans?
30% (commercial banks) or 20% (other credit institutions).
To which credit institutions does this decision apply?
It applies to state-owned commercial banks, other state-owned credit institutions, joint venture banks, other joint venture credit institutions, foreign bank branches, state and people's shareholding credit institutions (including commercial banks and other credit institutions), and cooperative credit institutions.
Toàn văn
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STATE BANK OF VIETNAM |
SOCIALIST REPUBLIC OF VIETNAM |
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Number: 381/2003/QĐ-NHNN |
Hanoi, April 23, 2003 |
Pursuant to …;
Regarding amendments and supplements to certain articles and clauses of the regulations on safety ratios in the operation of credit institutions issued pursuant to Decision No. 297/1999/QĐ-NHNN5 dated August 25, 1999
of the Governor of the State Bank of Vietnam
GOVERNOR OF THE STATE BANK OF VIETNAM
Pursuant to the Law on the State Bank of Vietnam No. 01/1997/QH10 and the Law on Credit Institutions No. 02/1997/QH10 dated December 12, 1997
Pursuant to Decree No. 86/2002/NĐ-CP dated November 5, 2002 of the Government stipulating the functions, tasks, powers, and organizational structure of Ministries and ministerial-level agencies
At the proposal of the Director of the Department of Commercial Banks and Non-Bank Credit Institutions
Pursuant to …;
Article 1. Amending and supplementing certain articles and clauses of the "Regulations on Safety Ratios in the Operation of Credit Institutions" issued pursuant to Decision No. 297/1999/QĐ-NHNN5 dated August 25, 1999 of the Governor of the State Bank of Vietnam as follows:
1. Clause 1, Article 2 shall be amended as follows:
"1. The maximum ratio of short-term capital used for medium- and long-term loans for credit institutions as follows:
a. State-owned credit institutions.
- State-owned commercial banks: 30%
- Other state-owned credit institutions: 25%
b. Other joint venture credit institutions:
- Joint venture banks: 30%
- Other joint venture credit institutions: 25%
c. Branches of foreign banks: 30%
d. State and people-owned joint-stock credit institutions:
- State and people-owned commercial joint-stock banks: 30%
- Other state and people-owned joint-stock credit institutions: 20%
e. Cooperative credit institutions: 10%."
2. Point i shall be added to Clause 1, Article 10 as follows:
"i. Funds deposited with state-owned credit institutions must be maintained at the Social Policy Bank in accordance with Decree No. 78/2002/NĐ-CP dated October 4, 2002 of the Government on credit for the poor and other policy beneficiaries"
3. Point a, Clause 2, Article 10 shall be amended as follows:
"a. Deposits with other domestic and foreign credit institutions (excluding funds that state-owned credit institutions must maintain at the Social Policy Bank in accordance with Decree No. 78/2002/NĐ-CP dated October 4, 2002 of the Government on credit for the poor and other policy beneficiaries);"
Article 2. This Decision shall take effect fifteen days from the date of publication in the Official Gazette.
Article 3. The Head of the Office, Directors of the Department of Commercial Banks and Non-Bank Credit Institutions, Heads of units under the State Bank of Vietnam, Governors of the State Bank of Vietnam branches in provinces and centrally-administered cities, Chairmen of the Board of Directors, General Directors (Directors) of credit institutions are responsible for implementing this Decision.
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DIRECTOR DEPUTY DIRECTOR (Signed) Tran Minh Tuan |
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