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| THE STATE BANK OF VIETNAM | SOCIALIST REPUBLIC OF VIETNAM |
| No. 05/2009/TT-NHNN | Hanoi, April 07, 2009 |
Pursuant to the Resolution No. 30/2008/NQ-CP dated 11 December 2008 of the Government on urgent solutions for preventing economic decline, maintaining economic growth, ensuring social security;
Pursuant to the Decision No.443/QD-TTg dated 4 April 2009 of the Prime Minister on giving interest rate support to organizations, individuals that borrow medium, long term loans from banks to make new investments for production and business development;
The State Bank of Vietnam would like to provide in details for the implementation of giving interest rate support to organizations, individuals that borrow medium, long term loans from banks to make new investments for productions and business development (hereinafter referred to as interest rate support) as follows:
Article 1. Purpose of the interest rate support
The State provides interest rate support to medium, long term loans from banks in Vietnamese Dong of organizations, which, individuals who make new investment for the development of production and business, infrastructure for the reduction of investment costs, enhancement of fixed assets and production and business capacity, improvement of goods competitiveness and jobs creation.
Article 2. Subjects and scope of application of provisions on interest rate support
1. Credit institutions which are authorized to give interest rate support to medium, long term loans in Vietnamese Dong of organizations, individuals that make new investments (investment projects which are executed, procured before or after the 1st April 2009, of which the execution, procurement period is in line with the period of grace committed in the credit contract), including:
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b. Finance companies as provided for in paragraph 1 Article 1 of the Decision No.333/QD-TTg dated 10/3/2009 of the Prime Minister on the amendment of, supplement to several articles of the Decision No.131/QD-TTg.
c. Vietnam Development Bank shall give interest rate support to subjects entitled to preferential loans.
2. Borrowers entitled to interest rate support include:
a. Organizations, which, individuals, who borrow capital from commercial banks, finance companies to realize new investment projects for the development of domestic production and business, infrastructure in accordance with provisions in Article 1 of the Decision No.127/2005/QD-NHNN dated 03/02/2005 of the Governor of the State Bank on the amendment of, supplement to several articles of the Regulation on lending by credit institutions to their customers issued in conjunction with the Decision No. 1627/QD-NHNN dated 31 December 2001.
b. Investors who borrow capital from Vietnam Development Bank to realize new investment projects for development of domestic production and business, infrastructure in accordance with provisions in Point a, Paragraph 2 Article 1 and Article 6 of the Decree No.151/2006/ND-CP dated 20 December 2006 of the Government on the State investment credit and export credit.
3. Types of loan entitled to interest rate support shall be medium, long term loans in Vietnamese Dong to realize new investment projects for development of domestic production and business, infrastructure under credit contracts which are signed before and after 01 April 2009 and disbursed (once or several times) within the period from 01 April to 31 December 2009 of following industries, economic sectors:
a. Loans of commercial banks, finance companies which are listed in accordance with provisions of the Regime on statistic reporting applicable to units of the State Bank of Vietnam and credit institutions issued in conjunction with the Decision No.477/2004/QD-NHNN dated 28 April 2004 of the Governor of the State Bank and the Decision No.143 TCTK/PPCD dated 22 December 1993 issued by the Director of the General Statistic Office on the issuance of the system of tier II, tier III and tier IV economic industries and the list of national economic industries, including:
- Agriculture and forestry;
- Aquaculture;
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- Processing industry;
- Electricity, gas and water production and distribution industry;
- Construction industry (excluding the construction of offices (building) for lease, the works of construction, repair, purchase of houses for sale);
- Commercial industry, repair of motor vehicle, motor, motorbike, belongings and household utensils;
- Transportation, storehouse and communications;
- Scientific and technological activities.
b. Investment loans of Vietnam Development Bank which are subject to the List of projects entitled to investment credit loan issued in conjunction with the Decree No.106/2008/ND-CP dated 19 September 2008 of the Government on the amendment, supplement of several articles of the Decree No.151/2006/ND-CP dated 20 December 2006 on State investment credit and export credit.
Article 3. Principle, term, interest rate and mode of interest rate support
1. Principle of interest rate support is that commercial banks, finance companies and Vietnam Development Bank shall provide loan to demands for medium, long term capital to make new investment for development of production and business, infrastructure under the normal lending regime and perform the interest rate support in compliance with provisions of the Prime Minister and guidance of the State Bank of Vietnam.
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3. Supporting interest rate applicable to borrowers shall be 4% per annum over the loan amount and actual loan term within the period from 01 April to 31 December 2011.
4. Mode of interest rate support is that when the term of collecting loan interests becomes due, commercial banks, finance companies and Vietnam Development Bank shall deduct the amount of payable interest of borrower which is equal to amount of loan interest entitled to the interest rate support. The State Bank of Vietnam shall transfer the loan interests already used for interest rate support on the basis of the report on amount of interest rate support by commercial banks, finance companies and Vietnam Development Bank.
1. For borrower whose loan is entitled to the interest rate support
a. Within the period from 01 April to 31 December 2009, upon arising the first loan at the lending commercial bank, finance company and Vietnam Development Bank, the borrower shall submit an application for the interest rate support to that commercial bank, finance company and Vietnam Development Bank in line with form 01 in the Appendix of this Circular, including any loan arising within the time from 01 April 2009 to the date prior to the effective date of this Circular.
b. To use loan funds for the due purposes which are subjects entitled to the interest rate support as stated in the credit contract. If the borrower fails to use the loan funds for the due purpose according to the subject of interest rate support, he shall not be entitled to the interest rate support and shall be required to refund the amount of previously supported loan interest to the commercial bank, finance company and Vietnam Development Bank and be dealt with in accordance with provisions of applicable laws.
c. To implement provisions of the commercial bank, finance company and Vietnam Development Bank on procedures of capital borrowing, interest rate support and reporting regime.
d. To account the payment of loan interests in correspondence with the right interest amount payable to the commercial bank, finance company and Vietnam Development Bank after having obtained the interest rate support under provisions of current laws.
dd. To request the lending commercial bank, finance company and Vietnam Development Bank to perform the interest rate support in compliance with provisions of the Prime Minister and guidance of the State Bank of Vietnam.
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a. To implement the interest rate support in compliance with provisions of the Prime Minster and guidance of the State Bank of Vietnam; not to refuse applications for interest rate support which are subjects entitled to interest rate support; to send periodical report to the State Bank of Vietnam for inspecting, supervising the interest rate support performance.
b. To state contents of the interest rate support in credit contracts based on the purposes of using loan funds which are subjects entitled to interest rate support in accordance with provisions of applicable laws; to refuse applications for interest rate support which are contrary to provisions of applicable laws.
c. Chairperson of the Board of Directors and General Manager (Manager) of commercial banks, finance companies, Chairperson of the Management Board and General Manager of Vietnam Development Bank shall be responsible and dealt with in accordance with provisions of applicable laws for any case of interest rate support which is inconsistent with provisions of applicable laws. For commercial banks and finance companies, if violating, they shall be taken into consideration in annual rating, supplement and increase of charter capital, issuance of license for expansion of operation network of commercial banks.
d. For the application of lending regime and interest rate:
- For commercial banks, finance companies: To apply normal loan regime and loan interest rate for borrowing demands which are subjects entitled to the interest rate support in conformity with provisions in the Regulation on lending by credit institutions to customers issued in conjunction with the Decision No. 1627/2001/QD-NHNN dated 31 December 2001 of the Governor of the State Bank and other related legal documents.
- For Vietnam Development Bank: To apply preferential loan regime and loan interest rate in accordance with provisions of the Decree No.151/2006/ND-CP, Decree No.106/2008/ND-CP and other related legal documents.
dd. To perform the inspection before, during and after the lending to ensure the interest rate support to be performed in compliance with provisions of applicable laws. In case of finding out that the borrower fails to use the loan fund for due purposes which are subjects entitled to interest rate support, the interests previously supported shall be revoked; where it is unable to perform such revocation, it should be informed to competent state authority for settlement or proceeding against the violation of credit contract by the borrower.
e. To provide guidance to borrowers to ensure borrowing activity is performed conveniently, safely and to the right subject.
g. Upon collecting loan interests from the borrower, commercial banks, finance companies and Vietnam Development Bank shall deduct the amount of loan interests payable by borrowers, equal to amount of loan interests entitled to interest rate support under provisions of applicable laws. If, by the end of 31 December 2011, the term of collecting loan interest will have not become due, commercial banks, finance companies and Vietnam Development Bank shall calculate amount of loan interests payable by borrowers and carry out the deduction of the loan interest amount equal to the loan interest amount entitled to the interest rate support. The calculation and collection of loan interest shall be implemented in accordance with provisions of applicable laws; to carry out the accounting, following up of interests of loans entitled to interest rate support as follows:
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- To have a list sheet (or database) to follow up details of loans entitled to interest rate support (borrower, loan amount, loan term and loan interest rate, amount of interest rate support,) in order to send to borrowers for supervising, making statistics and internal auditing, making report to the State Bank of Vietnam and inspection, supervision of competent state agencies.
h. To draw up a confirmation of interest rate support to be certified by the borrower and lending bank, finance company (sign and seal) as a basis for inspection, supervision. Such confirmation of interest rate support shall be made in 02 copies, 01 copy for archive in credit documents, 01 copy shall be sent to the borrower. Confirmation of interest rate support shall be drawn up by specific time upon collecting the loan interest and deducting the interest of loan entitled to interest rate support or drawn on a monthly basis in line with the time of sending report on interest rate support to the State Bank of Vietnam. For borrowers who are farmers households, confirmation of interest rate support shall be drawn up in the final month of every quarter within the period of interest rate support.
i. To submit a registration for plan and report on amount of interest rate support to the State Bank of Vietnam in line with forms in the Appendix of this Circular:
- Registration for quarterly plan of interest rate support shall be in line with forms 02 and 03 in the Appendix of this Circular and sent on the 10th of the first month of the quarter at the latest; registration for plan of interest rate support of quarter II of 2009 shall be sent on 15 April 2009 at the latest.
- Monthly report on the implementation of interest rate support shall be in line with forms 04, 05 and 06 in the Appendix of this Circular and be sent on the 10th day of the consecutive following month of the reporting month and accuracy and timeliness must be ensured.
k. To timely, accurately follow up, total loans entitled to interest rate support for the purpose of internal auditing, making report to the State Bank of Vietnam and inspection, supervision of competent state agencies; to open accounts or apply appropriate management system to separately account, total loans entitled to the interest rate support.
l. To archive documents of loans entitled to interest rate support in accordance with provisions of applicable laws.
Article 5. Responsibilities of the State Bank of Vietnam
1. On a monthly basis, to transfer 90%, at the maximum, of the loan interest amount already supported according to reports of commercial banks, finance companies and Vietnam Development Bank. The transfer of the remaining loan interest amount which has already enjoyed the interest rate support of every year shall be performed after the receipt of the report on final settlement of interest rate support of commercial banks, finance companies and Vietnam Development Bank.
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3. Responsibilities of units of the State Bank of Vietnam for assisting the Governor to implement contents relating to the implementation of interest rate support mechanism:
a. Monetary Policy Department: To coordinate with units of the State Bank in dealing with matters related to the interest rate support mechanism; to receive registrations for plan of interest rate support and reports on the interest rate support performance sent by commercial banks, finance companies and Vietnam Development Bank; to give notice of the transfer of interest rate support amount to commercial banks, finance companies and Vietnam Development Bank; to provide guidance on making final settlement of the interest rate support amount; to prepare report for submission to the Prime Minister.
b. Department of Finance- Accounting: To deal with issues of accounting relating to the interest rate support mechanism (original documents of accounting, transfer of interest rate support amount, ).
c. Banking Operation Department: To carry out the accounting, transfer of the interest rate support amount to commercial banks, finance companies and Vietnam Development Bank.
d. Banking Supervision, Inspection Agency (State Bank Inspectorate): to carry out the inspection, supervision over and dealing with commercial banks, finance companies and Vietnam Development Bank and borrowers who violate provisions of applicable laws on interest rate support.
dd. State Bank branches in provinces, cities under the central Governments management: To carry out the examination, supervision and inspection, within their competence, over the implementation of provisions of applicable laws on interest rate support, give proposals to the State Banks Governor and President of Peoples Committee in provinces, cities under the central Governments management concerning the settlement of arising matters.
Article 6. Organization of implementation
1. This Circular shall be effective from the signing date.
2. Director of Administrative Department, Director of Monetary Policy Department and Head of units of the State Bank, General Managers of the State Bank branches in provinces, cities under the central Governments management; Chairman of Board of Directors and General Managers (Managers) of commercial banks and finance companies, President of Management Board and General Manager of Vietnam Development Bank, borrowers shall be responsible for the implementation of this Circular.
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FOR THE GOVERNOR OF THE STATE BANK OF VIETNAM
DEPUTY GOVERNOR
Nguyen Dong Tien
REGARDING FORMS APPLICABLE TO BORROWERS AND COMMERCIAL BANKS, FINANCE COMPANIES AND VIETNAM DEVELOPMENT BANK
(Issued in conjunction with the Circular No.05/2009/TT-NHNN dated 07 April 2009 of the Governor of the State Bank)
1. Form 01: Application for interest rate support to medium, long term loans
2. Form 02: Registration for plan of interest rate support to medium, long term loans
3. Form 03: Registration for plan of interest rate support to medium, long term loans which are subject to the List of projects entitled to investment credit loan.
4. Form 04: Report on the implementation of interest rate support to medium, long term loans under the Decision No. 443/QD-TTg and the Circular No. 05/2009/TT-NHNN classified by economic industry, sector and borrower.
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6. Form 06: Report on the implementation of interest rate support to medium, long term loan under the Decision No. 443/QD-TTg and the Circular No. 05/2009/TT-NHNN classified by 63 provinces, cities under the central Governments management.
SOCIALIST REPUBLIC OF VIETNAM
Independence Freedom Happiness
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APPLICATION FOR INTEREST RATE SUPPORT TO MEDIUM AND LONG TERM LOANS
To: ………………………..
(name of the lending commercial bank, finance company, Vietnam Development Bank)
Name of borrower:..............................................................................................................................
Address:...........................................................................................................................................
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Name of representative for the organization (if borrower is an organization)..............................................
Position:...........................................................................................................................................
Pursuant to provisions in the Decision No. 443/QD-TTg dated 04 April 2009 of the Prime Minister on giving interest rate support to organizations, individuals that borrow medium, long term loans from banks to make new investments for production- business development and guidance of the State Bank of Vietnam at the Circular No. ......./2009/TT-NHNN dated April 2009, we would like to ask your commercial bank/finance company/Vietnam Development Bank for giving interest rate support to our medium, long term loans to make new investments for development of production business, infrastructure under credit contracts to be disbursed within the time from 1 April to 31 February 2009.
We do undertake to comply with provisions of applicable laws on lending, giving interest rate support and commitments made in the credit contracts; to use loan funds for the right purpose, right subjects to be entitled to the interest rate support; to immediately refund the amount of interest rate support if loan funds are not used for the right purpose as subject of interest rate support as stated in the credit contracts; to take responsibility to the law if violating credit contract.
................., day.....month.......2009
BORROWER
(Sign and seal)
Instructions:
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- For borrower being organization, its representative shall sign and seal; for borrower being individual and household, he shall sign and clearly state full name.
NAME OF COMMERCIAL BANK
SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom Happiness
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REGISTRATION FOR PLAN OF LOAN INTEREST RATE SUPPORT TO MEDIUM AND LONG TERM LOAN
Quarter ..... 2009
To: The State Bank of Vietnam
(Monetary Policy Department)
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Legal representative:......................................... Position:...................................................................
Address:...........................................................................................................................................
Tel No.............................................................. Fax No......................................................................
VND account number:....................................... opened at..................................................................
Would like to register the plan of interest rate support for borrowers in quarter ...of the year .......in accordance with provisions in the Decision No. 443/QD-TTg and the Circular No..... /2009/TT-NHNN as follows:
Unit: VND billion
Economic industry, sector
Loan outstanding entitled to interest rate support
Amount of interest rate support
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- Agriculture and forestry industry
- Aquaculture industry
- Mining industry
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- Processing industry
- Production and distribution of electricity, gas and water
- Construction industry (excluding the construction of offices (building) for lease, works of construction, repair, purchase of houses for sale)
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- Commercial industry, repair of motor vehicle, motor, motorbike, belongings and household utensils;
- Transportation, warehouse and communications
- Scientific and technological activities
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........, date.........
GENERAL MANAGER
(Sign and seal)
VIETNAM DEVELOPMENT BANK
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Quarter Year
To: The State Bank of Vietnam
(Monetary Policy Department)
Bank:................................................................................................................................................
Legal representative:......................................... Position:...................................................................
Address:...........................................................................................................................................
Tel No.............................................................. Fax No......................................................................
VND account number:....................................... at............................................................................
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Unit: VND billion
Economic industry, sector
Loan outstanding entitled to interest rate support
Amount of interest rate support
I. Total
Of which:
1. Socio-economic infrastructure
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- Investment project on the construction of fresh water supply work to serve the daily life
- Investment project on the construction of sewage and waste treatment work in urban areas, industrial zones, economic zones, export processing zones, high technology zones, hospitals and trade village industrial parks
- Project on the construction of centralized housing stock for workers in industrial zones, economic zones, export processing zones, hostels for students
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2. Agriculture, rural area
- Project on the new construction and expansion of centralized slaughter houses, cattle and poultry processing centers
- Project on the development of aquatic breeding
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- Project on the development of breeding plants, animals, breeding of forestry trees
3. Industry
- Investment project on the metallurgy of mineral products:
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+ Production of aluminum with minimum capacity of 300 thousand tons/year; production of metal aluminum with minimum capacity of 100 thousand tons/year
+ Production of ferrous alloy with minimum capacity of one thousand tons/year
+ Production of colour metal with minimum capacity of five thousand tons/year
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+ Production of colour titanic dioxide powder with minimum capacity of 20 thousand tons/year
- Project on the manufacture of Diesel engines with capacity of 300 CV and higher
- Project on the new building of railroad car and railway engine assembly
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- Investment project on the production of antibiotics from the raw materials to the finished product, detoxification medicine, commercial vaccine and medicine for HIV/AIDS, production of veterinary medicine of GMP standard
- Investment project on the construction of wind power plant, investment project on the construction of electricity generation plant using new energy resources and renewable energies
- Investment project on the construction of small hydroelectric power plant with capacity of 50MW or lower in regions with especially difficult socio-economic conditions
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- Investment project on the production of DAP and nitrogenous fertilizer
4. Investment projects in regions with difficult, especially difficult socio-economic conditions, projects in regions where Khmer ethnic groups centrally live, villages subject to program No.135 and frontier villages subject to program No.120, villages in coastal areas (excluding projects of hydroelectric power, thermoelectricity, cement, steel production, projects on investment in road, road bridge, railway and railway bridge)
II. Percentage of medium and long term loan outstanding entitled to interest rate support over total loans outstanding of the Bank
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........, date.........
GENERAL MANAGER
(Sign and seal)
NAME OF COMMERCIAL BANK/FINANCE COMPANY
Month Year.
Unit: dong
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In reporting month
Accumulated from 1/4/2009 to the end of the reporting month
Number of borrowers entitled to interest rate support
Loan outstanding entitled to interest rate support
Amount of loan interests payable to be calculated under the interest rate stated in the credit contract
Amount of loan interests already used for interest rate support to borrowers
Number of borrowers entitled to interest rate support
Amount of loan interests already used for interest rate support to borrowers
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(2)
(3)
(4)
(5)
(6)
I. Total of loans entitled to interest rate support by economic industry, sector
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- Agriculture and forestry
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- Mining industry
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- Processing industry
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- Production and distribution of electricity, gas and water
- Construction industry (excluding the construction of offices, building for lease, works of construction, repair, purchase of houses for sale)
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- Commercial industry, repair of motor vehicles, motor, motorbike, belongings and household utensils
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- Transportation, warehouse and communications
- Scientific and technological activities
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II. Total of loans entitled to interest rate support classified by borrower
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- Enterprise
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+ Non-state enterprise
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- Cooperative
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- Other organizations
- Household and individual
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CHIEF ACCOUNTANT
(Head of Accounting Division)
HEAD OF INTERNAL AUDIT DIVISION
........., date......
GENERAL MANAGER (MANAGER)
Instructions on synthesizing and sending report:
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- To classify loans which are entitled to interest rate support by economic industry, sector as stipulated in the Decision No. 477/2004/QD-NHNN dated 28/4/2004 of the Governor of the State Bank and Decision No.143TCKT/PPCD dated 22/12/1993 issued by the Director of the General Statistic Office.
- State-owned enterprises and non-state enterprises which are established and operates under the provisions of the Law on Enterprises in 2005 and Law on Investment.
- Column (1): Number of borrowers entitled to the interest rate support shall be number of enterprises, cooperatives, other organizations, households and individuals entitled to the interest rate support arising in the reporting month (do not count identically the times of loan items); if one borrower has various loans of different industries, such borrower shall be classified into the industry with the highest loan outstanding.
- Column (3): Amount of loan interests payable to be calculated under the interest rate stated in the credit contract shall be calculated under provisions in the Decision No. 652/2001/QD-NHNN dated 17/5/2001 of the State Banks Governor.
- Column (4): Amount of loan interests already used for giving interest rate support to borrowers shall be synthesized according to the data stated on the Confirmation of interest rate support; total amount of loan interest already used for giving interest rate support must be equal to the amount of interest rate support which has been accounted and deducted for the borrower.
- Column (5): The accumulated number of borrowers entitled to interest rate support shall be calculated based on the accumulated number of borrowers of the previous reporting month plus the number of borrowers newly arising in the reporting month.
- Reporting deadline: On the 10th, at the latest, of the month consecutively following the reporting month.
- Please to clearly state full name and telephone number of person in charge of answering details of the report upon request of the State Bank.
- Any query that may arise during the implementation process should be promptly reported in writing or via the telephone number 04-38246955/38259158; fax number: 04-38246953/ 38240132
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VIETNAM DEVELOPMENT BANK
Month Year.
Unit: dong
Norm
In reporting month
Accumulated from 1/4/2009 to the end of the reporting month
Number of borrowers entitled to interest rate support
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...
Amount of loan interests payable to be calculated under the interest rate stated in the credit contract
Amount of loan interests already used for interest rate support to borrowers
Number of borrowers entitled to interest rate support
Amount of loan interests already used for interest rate support to borrowers
(1)
(2)
(3)
(4)
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(6)
I. Total of loans entitled to interest rate support under projects which are subject entitled to investment credit loan
1. Socio-economic infrastructure
...
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...
- Investment project on the construction of fresh water supply work to serve the daily life
...
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...
- Investment project on the construction of sewage and waste treatment work in urban areas, industrial zones, economic zones, export processing zones, high technology zones, hospitals and trade village industrial parks
...
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...
- Investment project on infrastructure, expansion, upgrading, new construction and equipment in the socialization: education and training, vocational training, healthcare, culture, sports, environment that are in the List of subjects entitled to development encouragement policy under the decision of the Prime Minister
...
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2. Agriculture, rural area
...
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...
- Project on the new construction and expansion of centralized slaughter houses, cattle and poultry processing centers
- Project on the development of aquatic breeding
...
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...
- Project on the development of breeding plants, animals, breeding of forestry trees
...
...
...
3. Industry
- Investment project on the metallurgy of mineral products:
...
...
...
+ Production of aluminum with minimum capacity of 300 thousand tons/year; production of metal aluminum with minimum capacity of 100 thousand tons/year
...
...
...
+ Production of ferrous alloy with minimum capacity of one thousand tons/year
...
...
...
+ Production of colour titanic dioxide powder with minimum capacity of 20 thousand tons/year
...
...
...
- Project on the manufacture of Diesel engines with capacity of 300 CV and higher
...
...
...
- Project on the new building of railroad car and railway engine assembly
- Investment project on the production of antibiotics from the raw materials to the finished product, detoxification medicine, commercial vaccine and medicine for HIV/AIDS, production of veterinary medicine of GMP standard
...
...
...
- Investment project on the construction of wind power plant, investment project on the construction of electricity generation plant using new energy resources and renewable energies
...
...
...
- Investment project on the construction of small hydroelectric power plant with capacity of 50MW or lower in regions with especially difficult socio-economic conditions
- Investment project on the production of DAP and nitrogenous fertilizer
...
...
...
4. Investment projects in regions with difficult, especially difficult socio-economic conditions, projects in regions where Khmer ethnic groups centrally live, villages subject to program No.135 and frontier villages subject to program No.120, villages in coastal areas (excluding projects of hydroelectric power, thermoelectricity, cement, steel production, projects on investment in road, road bridge, railway and railway bridge)
...
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...
II. Total of loans entitled to interest rate support classified by borrower
...
...
...
+ State-owned enterprise
...
...
...
+ Non-state enterprise
...
...
...
- Economic organizations
- Non-productive unit with income sources
...
...
...
CHIEF ACCOUNTANT
(Head of Accounting Division)
HEAD OF INTERNAL AUDIT DIVISION
........., date......
GENERAL MANAGER (MANAGER)
Instructions on synthesizing and sending report:
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...
- To classify loans which are entitled to interest rate support by the list of Projects entitled to investment credit loan, issued in conjunction with the Decree No. 106/2008/ND-CP dated 19 September 2008 of the Government.
- State-owned enterprises and non-state enterprises which are established and operates under the provisions of the Law on Enterprises and Law on Investment.
- Column (1): Number of borrowers entitled to the interest rate support shall be number of borrowers arising in the reporting month (do not count identically the times of loan items); if one borrower has various loans of different industries, such borrower shall be classified into the project with the highest loan outstanding.
- Column (3): Amount of loan interests payable to be calculated under the interest rate stated in the credit contract shall be calculated under provisions of applicable laws for Vietnam Development Bank.
- Column (4): Amount of loan interests already used for giving interest rate support to borrowers shall be synthesized according to the data stated on the Confirmation of interest rate support; total amount of loan interest already used for giving interest rate support must be equal to the amount of interest rate support which has been accounted and deducted for the borrower.
- Column (5): The accumulated number of borrowers entitled to interest rate support shall be calculated based on the accumulated number of borrowers of the previous reporting month plus the number of borrowers newly arising in the reporting month.
- Reporting deadline: On the 10th, at the latest, of the month consecutively following the reporting month.
- Please to clearly state full name and telephone number of person in charge of answering details of the report upon request of the State Bank.
- Any query that may arise during the implementation process should be promptly reported in writing or via the telephone number 04-38246955/38259158; fax number: 04-38246953/ 38240132
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NAME OF COMMERCIAL BANK/FINANCE COMPANY/VIETNAM DEVELOPMENT BANK
Month Year.
Unit: dong
Name of province, city
In reporting month
Accumulated from 1/4/2009 to the end of the reporting month
Number of borrowers entitled to interest rate support
...
...
...
Amount of loan interest payable to be calculated under the interest rate stated in the credit contract
Amount of loan interest already used for interest rate support
Number of borrowers entitled to interest rate support
Amount of loan interest already used for interest rate support
Total
(1)
(2)
(3)
(4)
...
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...
(6)
Of which
1. An Giang Province
...
...
...
2. Ba Ria, Vung Tau Province
...
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...
3. Bac Can province
...
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...
...
...
...
63. Yen Bai Province
...
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...
CHIEF ACCOUNTANT
(Head of Accounting Division)
HEAD OF INTERNAL AUDIT DIVISION
........., date......
GENERAL MANAGER (MANAGER)
Instructions on synthesizing and sending report:
- To classify loans entitled to the interest rate support by 63 provinces, cities under the central Governments management (classified under the alphabet order).
- Column (1): Number of borrowers entitled to interest rate support shall be the number of borrowers entitled to the interest rate support arising in the reporting month (do not count identically the times of loan items)
- Column (3): The amount of loan interests payable to be calculated under the interest rate stated in the credit contract shall be calculated under the provisions of the Decision No. 652/2001/QD-NHNN dated 17/5/2001 of the Governor of the State Bank For commercial banks, finance companies, and in accordance with provisions of applicable laws for Vietnam Development Bank.
- Column (4): Amount of loan interests already used for giving interest rate support to borrowers shall be synthesized according to the data stated on the Confirmation of interest rate support; total amount of loan interest already used for giving interest rate support must be equal to the amount of interest rate support which has been accounted and deducted for the borrower.
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- Reporting recipient: Monetary Policy Department - State Bank of Vietnam (email: phongcstd@sbv.gov.vn; fax: 04-38246953/38240132) and State Bank branches in provinces, cities.
- Reporting deadline: On the 10th, at the latest, of the month consecutively following the reporting month.
- Please to clearly state full name and telephone number of person in charge of answering details of the report upon request of the State Bank.
- Any query that may arise during the implementation process should be promptly reported in writing or via the telephone number 04-38246955/38259158; fax number: 04-38246953/ 38240132.
- 1Resolution No. 30/2008/NQ-CP of December 11, 2008, on urgent measures to curb economic decline, maintain economic growth and ensure social welfare.
- 2Decree No. 106/2008/ND-CP of September 19, 2008, amending, supplementing a number of articles of Decree No.151/2006/ND-CP dated December 20, 2006 of the Government on investment credit and export credit of the state
- 3Decree of Government No. 151/2006/ND-CP of December 20, 2006 on The State''s Investment Credit and Export Credit
- 4Decision No. 127/2005/QD-NHNN of February 3, 2005, on the amendment, supplement of several articles of the regulation on lending by credit institutions to customers issued in conjunction with the Decision No. 1627/2001/QD-NHNN dated 31 December 2001 of the Governor of the State Bank
- 5Decision No. 1627/2001/QD-NHNN of December 31, 2001, on issuing regulations on lending by credit institutions to clients.
Circular No. 05/2009/TT-NHNN of April 07, 2009, providing in details for the implementation of giving interest rate support to organizations, individuals that borrow medium, long term loans from banks to make new investments for production and business development
- Số hiệu: 05/2009/TT-NHNN
- Loại văn bản: Thông tư
- Ngày ban hành: 07/04/2009
- Nơi ban hành: Ngân hàng Nhà nước
- Người ký: Nguyễn Đồng Tiến
- Ngày công báo: Đang cập nhật
- Số công báo: Đang cập nhật
- Ngày hiệu lực: Kiểm tra
- Tình trạng hiệu lực: Kiểm tra