Decision No. 456/2003/QD-NHNN amends and supplements the interbank electronic payment settlement regulations, specifically regarding the amount of payment and the requirement for prior authorization before transferring debt funds. This decision applies to banks and service providers operating within the territory of Vietnam.
适用范围
Banks and other organizations providing payment services operating within the territory of Vietnam
要点
- Banks and organizations providing payment services may conduct interbank electronic payment settlements for transactions denominated in Vietnamese Dong between banks that have accounts at the same State Bank of Vietnam unit.
- The amount of payment through interbank electronic payment settlement: unlimited for orders within the scope of a provincial or municipal area; the maximum amount is determined by the Governor of the State Bank of Vietnam for each period for orders transferred to banks in different areas.
- All debt transfers in interbank electronic payment settlement must have prior authorization: member banks must sign debt transfer contracts with each other and notify the main bank in writing before implementation.
🌐 本文件的社会影响
- Positive impact: Enhances the effectiveness of electronic payment management, reduces transaction costs, and accelerates the processing of payments.
- Negative impact: The requirement to sign debt transfer contracts and provide written notification before implementation may increase workload for banks and payment service providers.
❓ 常见问题
Is there no limit on the amount of payment through interbank electronic payment settlement within the scope of a provincial or municipal area?
Indeed, according to the regulation, the amount of payment through interbank electronic payment settlement is not limited for orders between banks within the scope of a provincial or municipal area.
What must banks do before executing debt transfers?
Before executing debt transfers, banks must sign debt transfer contracts with each other and notify the main bank in writing for interbank electronic payment settlement.
When does this decision take effect?
This decision takes effect fifteen days after its publication in the Official Gazette.
Can banks conduct interbank electronic payment settlements for transactions denominated in Vietnamese Dong?
Yes, this regulation governs interbank electronic payment settlements for transactions denominated in Vietnamese Dong between banks and service providers.
Is there a maximum amount for orders transferred to banks in different provincial or municipal areas?
Yes, for interbank electronic payment settlement orders transferred to banks in different provincial or municipal areas, the maximum amount is the lower value determined by the Governor of the State Bank of Vietnam for each period.
全文
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STATE BANK OF VIETNAM |
SOCIALIST REPUBLIC OF VIETNAM |
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Number: 456/2003/QĐ-NHNN |
Hanoi, May 12, 2003 |
Pursuant to …;
Regarding the amendment and supplementation of Clause 1, Article 1 of the Inter-bank Electronic Payment Settlement Regulations issued together with Decision No. 1557/2001/QĐ-NHNN dated December 14, 2001 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 Organizations No. 02/1997/QH10 dated December 12, 1997;
Pursuant to Decree No. 86/2002/NĐ-CP dated November 5, 2002 of the Government stipulating functions, tasks, powers, and organizational structure of Ministries and Ministerial-Level Agencies;
Pursuant to Decree No. 64/2001/NĐ-CP dated September 20, 2001 of the Government on payment activities through service providers;
Pursuant to Decision No. 44/2002/QĐ-TTg dated March 21, 2002 of the Prime Minister on the use of electronic documents as accounting vouchers for accounting and payment of funds by service providers;
At the proposal of the Director of the Accounting and Finance Department,
Pursuant to …;
Article 1. Amending and supplementing Clause 1, Article 1 of the "Inter-bank Electronic Payment Settlement Regulations" issued together with Decision No. 1557/2001/QĐ-NHNN dated December 14, 2001 of the Governor of the State Bank of Vietnam as follows:
"1. These regulations govern the electronic payment settlement activities through computer networks for transactions denominated in Vietnamese Dong (VND) between banks and other organizations providing payment services operating within the territory of Vietnam that have accounts opened at a unit of the State Bank of Vietnam, organized and chaired by such unit of the State Bank of Vietnam for electronic payment settlement.
a. The amount of money for inter-bank electronic payment settlement:
- For payment orders between banks within the scope of a provincial or municipal area, there is no limit on the amount.
- For inter-bank electronic payment settlement orders to be transferred to banks in different provincial or municipal areas, the maximum amount is the lower value set by the Governor of the State Bank of Vietnam for each period.
b. All debt transfers in inter-bank electronic payment settlement must be authorized in advance: member banks must sign debt transfer contracts with each other and must notify the chairing bank in writing before implementation."
Article 2. This Decision takes effect fifteen days from the date of publication in the Official Gazette.
Article 3. The Director of the Office, Heads of the Accounting and Finance Department, the Head of the Banking Information Technology Department, Heads of units under the State Bank of Vietnam, Directors of the State Bank of Vietnam Trading Departments, Directors of State Bank of Vietnam Branches in provinces and centrally governed cities, General Directors (Directors) of Banks, and Heads of other organizations providing payment services are responsible for implementing this Decision./.
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DIRECTOR DEPUTY DIRECTOR (Signed) Vu Thi Lien |
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