Decision No. 50/2006/QĐ-NHNN on supplementing and replacing the information collection form and the classification annex for overdue debts in the Credit Information Operation Regulation issued together with Decision No. 1117/2004/QĐ-NHNN dated September 8, 2004, and Decision No. 1003/2005/QĐ-NHNN dated July 8, 2005, of the Governor of the State Bank.

✦ Smart summary

Decision No. 50/2006/QĐ-NHNN supplements and replaces the information collection form and the classification of overdue debts in the Credit Information Operation Regulation, applicable to credit institutions.

Scope of application

Credit institutions, Credit Information Center, State Bank branch in provinces/cities directly under the Central Government, Representative Office in Ho Chi Minh City, Board of Directors/General Director/Director of credit institutions.

Key points

Credit institutions → supplement the criteria 'resident or non-resident' and 'nationality' for enterprises in Form K1A, and supplement the criterion 'resident or non-resident' for individuals in Form K1B.
Credit institutions → replace Forms K4A and K4B with Form K4 - Report on Collateral for Loans.
The classification annex for overdue debts → supplement the criteria for classifying short-term, medium-term, long-term, and other loans to foreign organizations and individuals.

🌐 Social impact of this document

Enhance credit risk management through more detailed customer information collection.
Help credit institutions have a basis to accurately assess and classify overdue debts, thereby making appropriate lending decisions.

❓ Frequently asked questions

What information do credit institutions need to supplement in the information collection form?

Credit institutions need to supplement the criteria 'resident or non-resident' and 'nationality' for enterprises in Form K1A, as well as the criterion 'resident or non-resident' for individuals in Form K1B.

When does the new information collection form take effect?

This Decision takes effect fifteen days from the date of publication in the Official Gazette.

What form should credit institutions replace Forms K4A and K4B with?

Credit institutions need to replace Forms K4A and K4B with Form K4 - Report on Collateral for Loans.

What criteria does the new classification annex for overdue debts supplement?

The new classification annex for overdue debts supplements the criteria for classifying short-term, medium-term, long-term, and other loans to foreign organizations and individuals.

When must credit institutions implement this regulation?

Full text

Pursuant to …;

Regarding the supplementation and replacement of the information collection form and the Annex on classifying outstanding debts in the Credit Information Operation Regulation issued together with Decision No. 1117/2004/QĐ-NHNN dated September 8, 2004, and Decision No. 1003/2005/QĐ-NHNN dated July 8, 2005 of the Governor of the State Bank of Vietnam.

overdue debt under the Credit Information Operation Regulation issued together with

Decision No. 1117/2004/QD-NHNN dated September 8, 2004, and Decision No. 1003/2005/QD-NHNN dated July 8, 2005 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 1997 and the Law Amending and Supplementing Certain Provisions of the Law on the State Bank of Vietnam 2003;

Pursuant to the Law on Credit Institutions enacted in 1997 and the Law Amending and Supplementing Certain Provisions of the Law on Credit Institutions enacted in 2004;

Pursuant to Decree No. 52/2003/ND-CP dated May 19, 2003, issued by the Government, detailing the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;

At the proposal of the Director of the Credit Information Center,

Pursuant to …;

Article 1. Supplementation and replacement of the information collection form in the Credit Information Operation Regulation issued together with Decision No. 1117/2004/QĐ-NHNN dated September 8, 2004 of the Governor of the State Bank of Vietnam, as follows:

1. Supplement Item No. 14 - "resident or non-resident" and "nationality" of enterprises in Form K1A.

2. Supplement Item No. 8 - "resident or non-resident" of individuals in Form K1B.

3. Replace Forms K4A and K4B with Form K4 - Report on Collateral for Loans issued together with this Decision.

Article 2. Supplementation to the Annex on classifying outstanding debts (attached to Form K3 - Customer Loan Report) in Decision No. 1003/2005/QĐ-NHNN dated July 8, 2005 of the Governor of the State Bank of Vietnam, as follows:

Serial number	Code	Classification of outstanding debts	Accounting entries
Serial number	Code	Classification of outstanding debts	VND	Foreign currency and gold
(1)	(2)	(3)	(4)	(5)
		Short-term loans to foreign organizations and individuals
83	26N1	Performing loans	2611	2641
84	26N2	Loans requiring attention	2612	2642
85	26N3	Substandard loans	2613	2643
86	26N4	Doubtful loans	2614	2644
87	26N5	Loss loans	2615	2645
		Medium-term loans to foreign organizations and individuals
88	26T1	Performing loans	2621	2651
89	26T2	Loans requiring attention	2622	2652
90	26T3	Substandard loans	2623	2653
91	26T4	Doubtful loans	2624	2654
92	26T5	Loss loans	2625	2655
		Long-term loans to foreign organizations and individuals
93	26D1	Performing loans	2631	2661
94	26D2	Loans requiring attention	2632	2662
95	26D3	Substandard loans	2633	2663
96	26D4	Doubtful loans	2634	2664
97	26D5	Loss loans	2635	2665
		Other loans to foreign organizations and individuals
98	26K1	Performing loans	2671	2681
99	26K2	Loans requiring attention	2672	2682
100	26K3	Substandard loans	2673	2683
101	26K4	Doubtful loans	2674	2684
102	26K5	Loss loans	2675	2685

Note: Columns (4) and (5) are accounting entries pursuant to Decision No. 29/2006/QĐ-NHNN dated July 10, 2006 on amending, supplementing, and abolishing certain accounts in the Accounting System of Credit Institutions Amend, supplement, and revoke certain accounts in the Accounting System of Credit Institutions issued together with Decision No. 479/QĐ/2004/QĐ-NHNN dated April 29, 2004 and Decision No. 807/2005/QĐ-NHNN dated June 1, 2005 of the Governor of the State Bank of Vietnam.

Article 3. This Decision shall take effect fifteen days from the date of publication in the Official Gazette.

Article 4. The Head of the Office, Heads of units under the State Bank of Vietnam, Director of the Credit Information Center, Directors of State Bank of Vietnam Branches in provinces and centrally governed cities, Chief Representative Office in Ho Chi Minh City, Chairmen of Management Boards, General Managers (Directors) of Credit Institutions, relevant organizations and individuals are responsible for implementing this Decision./.

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↑ Basis & documents that affect this document

Based on 5

01/1997/QH10 Luật Ngân hàng Nhà nước số 01/1997/QH10 Expired 52/2003/NĐ-CP Nghị định số 52/2003/NĐ-CP Quy định chức năng, nhiệm vụ, quyền hạn và cơ cấu tổ chức của Ngân hàng Nhà nước Việt Nam Expired 02/1997/QH10 Luật Các tổ chức tín dụng số 02/1997/QH10 Expired 20/2004/QH11 Luật Sửa đổi, bổ sung một số điều của Luật các Tổ chức tín dụng số 20/2004/QH11 Expired 10/2003/QH11 Luật Sửa đổi, bổ sung một số điều của Luật Ngân hàng Nhà nước Việt Nam số 10/2003/QH11 Expired

Replaced by 1

51/2007/QĐ-NHNN Quyết định số 51/2007/QĐ-NHNN Về việc ban hành quy chế hoạt động thông tin tín dụng Expired

50/2006/QĐ-NHNN

Decision No. 50/2006/QĐ-NHNN on supplementing and replacing the information collection form and the classification annex for overdue debts in the Credit Information Operation Regulation issued together with Decision No. 1117/2004/QĐ-NHNN dated September 8, 2004, and Decision No. 1003/2005/QĐ-NHNN dated July 8, 2005, of the Governor of the State Bank.

Expired

↓ Documents affected by this document

Amends 2

1003/2005/QĐ-NHNN Quyết định số 1003/2005/QĐ-NHNN Về việc sửa đổi, bổ sung Phụ lục phân loại dư nợ (kèm theo biểu K3 – Báo cáo dư nợ của khách hàng) trong Quy chế hoạt động thông tin tín dụng ban hành kèm theo Quyết định số 1117/2004/QĐ-NHNN ngày 08 tháng 9 năm 2004 của Thống đốc Ngân hàng Nhà nước Expired 1117/2004/QĐ-NHNN Quyết định số 1117/2004/QĐ-NHNN Về việc ban hành Quy chế hoạt động thông tin tín dụng Expired

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Translations

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Tiếng Việt Quyết định số 50/2006/QĐ-NHNN Về việc bổ sung, thay thế biểu thu thập thông tin và Phụ lục phân loại dư nợ trong Quy chế hoạt động Thông tin Tín dụng ban hành kèm theo Quyết định số 1117/2004/QĐ-NHNN ngày 08/9/2004 và Quyết định số 1003/2005/QĐ-NHNN ngày 08/7/2005 của Thống đốc Ngân hàng Nhà nước 한국어 결정 번호 50/2006/QĐ-NHNN에 따른 정보 수집 표와 부록 채무 분류를 금융정보 운영 규정에 보완하고 대체하기 위한 결정, 2004년 9월 8일 통고 번호 1117/2004/QĐ-NHNN 및 2005년 7월 8일 통고 번호 1003/2005/QĐ-NHNN에 따른 금융정보 운영 규정을 보완하고 대체하기 위한 통고 中文决定第50/2006/QĐ-NHNN号关于补充和替换信贷信息制度下采集信息表及贷款分类附录，该制度由2004年9月8日第1117/2004/QĐ-NHNN号和2005年7月8日第1003/2005/QĐ-NHNN号决定发布。