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| THE PRIME MINISTER OF GOVERNMENT | SOCIALIST REPUBLIC OF VIET NAM |
| No: 75/2000/QD-TTg | Hanoi, June 28, 2000 |
RATIFYING THE ORGANIZATION AND OPERATION CHARTER OF VIETNAM DEPOSIT INSURANCE
THE PRIME MINISTER
Pursuant to the Law on Organization of the Government of September 30, 1992;
Pursuant to the Government’s Decree No .89/1999/ND-CP of September 1st, 1999 on deposit insurance;
Pursuant to the Prime Minister’s Decision No. 218/1999/QD-TTg of November 9, 1999 on the establishment of Vietnam Deposit Insurance;
At the proposals of Vietnam State Bank Governor and Vietnam Deposit Insurance�s Managing Board,
DECIDES:
Article 2.- This Decision takes effect after its signing.
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FOR THE PRIME MINISTER
DEPUTY PRIME MINISTER
Nguyen Tan Dung
ON ORGANIZATION AND OPERATION OF VIETNAM DEPOSIT INSURANCE
(Issued together with the Prime Minister’s Decision No. 75/2000/QD-TTg of June 28, 2000)
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CONTENTS OF OPERATION, TASKS AND POWERS
SECTION I. CONTENTS OF OPERATION
Article 7.- DIV may conduct the following professional operations:
1. Collecting the deposit insurance premiums from the deposit insured.
2. Paying insurance to money depositors.
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4. Lending capital in support of, and providing guaranty for, the deposit insured to borrow capital for deposit payment, and buying debts of the deposit insured in case such debts are secured by properties under the provisions of the Government’s Decree No.89/1999/ND-CP of September 1st, 1999. The total capital amount used for the performance of these operations shall be decided by DIV’s Managing Board.
5. Borrowing capital from credit institutions and other organizations to settle temporary difficulties regarding its operating capital. When necessary, such capital borrowing shall be effected with the Government’s guaranty.
6. Receiving financial supports from organizations and individuals inside and outside the country to enhance its operating capacity.
7. In special cases of lacking operating capital, borrowing or receiving the special support capital from the State’s source.
8. Buying the Government bonds and the State Bank or State credit institutions’ bonds and credit bills; depositing money at the State Treasury, Vietnam State Bank or State-run credit institutions in order to ensure the capital safety, capital preservation and cover expenses. The use of its idle capital for investment in the above-mentioned bonds and bills shall be decided by DIV’s Managing Board.
9. Organizing propagation on deposit insurance to the public; guiding, training and providing consultancy on deposit insurance operations as well as operations related to deposit insurance. providing information exchange services for DIV’s operations.
10. Carrying out other operations when permitted by the Prime Minister.
Article 8.- DIV has the tasks to:
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2. Fulfill commitments on insurance payment to money depositors when a deposit insured has to terminate its operations under the written decision of the competent State agency and falls into the insolvency.
3. Fulfill commitments to the deposit insured and other commitments which fall under DIV’s responsibility.
4. Operate in strict compliance with the Government’s stipulations on deposit insurance and this Charter; take responsibility for the results of the deposit insurance activities; keep secret the deposit data and documents related to deposit insurance of the deposit insured according to law provisions.
5. Elaborate the development strategy and operation plan on deposit insurance in conformity with the tasks assigned by the Prime Minister.
6. Study and propose to the competent State agencies the promulgation or amendment and/or supplement of the regulations related to deposit insurance activities as well as regulations on safety in banking operations.
7. Renovate and modernize technologies and managerial mode in conformity with the development requirements of DIV.
8. Perform the obligations towards laborers according to the provisions of law.
9. Submit to the inspection and abide by the regulations on examination, inspection and audit by the competent State agencies according to the provisions of law.
10. Observe the State’s regulations on the management of capital, assets and funds as well as the accounting, auditing, statistical and reporting regimes and take responsibility for the accuracy of the reports thereon.
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1. To manage and use its charter capital; capital supplemented from the source of insurance premiums collected from the deposit insured as well as the sources of capital received and borrowed according to regulations.
2. To assign, lease, mortgage or pledge assets under its management according to law provisions.
3. To request the deposit insured to regularly or irregularly provide documents, information and reports on their operation and business situation; to apply measures for handling the violations of regulations on safety in banking operations and the danger of insolvency.
4. To conduct the regular or irregular inspection of the observance of the Government’s regulations on deposit insurance as well as the regulations on safety in operations of the deposit insured.
5. To propose the State Bank to take measures for dealing with the deposit insured that violate the regulations on safety in banking operations and are in danger of insolvency.
6. To terminate the deposit insurance for the deposit insured that violate the provisions of Clause 1, Article 10 of the Government’s Decree No.89/1999/ND-CP of September 1st, 1999 on deposit insurance.
7. To take part in the management and liquidation of assets of the bankrupt deposit insured.
8. To propose the competent State agencies to elaborate, amend and/or supplement undertakings and policies on deposit insurance.
9. To cooperate with domestic and foreign organizations in order to enhance the operational capacity of DIV and the deposit insured.
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11. To exercise other rights and powers provided for by law.
ORGANIZATION, MANAGEMENT AND ADMINISTRATION
Section I. MANAGING BOARD AND CONTROL COMMISSION
Article 12.- Tasks and powers of the Managing Board
1. To receive capital, land and other resources assigned by the State.
2. To submit to the Prime Minister for ratification the long-term deposit insurance development strategy.
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4. To approve and submit to the Prime Minister for ratification the plan on borrowing and using the Government’s special support capital as well as the plan on adjusting the deposit insurance premium and the maximum insured deposit amount.
5. To ratify the annual operation plan of DIV; and the plan on borrowing and using capital borrowed from other organizations.
6. To approve the plan on support for the deposit insured as well as plan on the payment of insurance money at the deposit insured which are declared to terminate their operations and insolvent.
7. To approve the plan on investment of the temporarily idle capital as prescribed by the Charter as well as the financial management regulations.
8. To decide or submit to the State Bank Governor for decision the plan on cooperation with domestic and foreign organizations.
9. To give its opinions or propose to the Ministry of Finance and the Ministry of Labor, War Invalids and Social Affairs to submit such opinions to the Prime Minister for ratification or adjustment of the DIV’s financial and wage regimes.
10. To decide or propose commendation and reward for organizations and individuals that make great contributions to DIV; to commend and reward units and individuals within DIV; to approve and supervise the implementation of the labor and wage regulations within DIV.
11. To propose the State Bank Governor and the Minister-Head of the Government Commission for Organization and Personnel to submit to the Prime Minister the appointment, dismissal, commendation or discipline of members of the Managing Board and the general director. To submit to the State Bank Governor the appointment, dismissal, commendation or discipline of the deputy general directors of DIV.
12. To ratify the plan on organization of DIV’s executive apparatus and payroll; to decide the opening of DIV’s branches and representative offices as well as the section assisting the Managing Board; to decide the appointment, dismissal, commendation or discipline of members of the Control Commission, directors of branches and representative offices of DIV.
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14. To approve DIV’s annual financial statements and operation reports.
15. To ratify the operation plan of the Control Commission.
16. To issue regulations on internal protection and confidentiality in the operations of DIV.
17. To handle complaints and denunciations related to DIV according to its competence or report such to the competent authorities for handling.
18. To ratify the scientific- technical research and cooperation programs in service of the deposit insurance activities; to organize the personnel training and fostering.
19. To issue the Regulation on organization and operation of DIV’s Managing Board.
20. To ratify and decide other issues according to its competence.
Article 13.- Organizational structure and working regime of the Managing Board
1. DIV’s Managing Board is composed of 5 members, including 3 full-time members being its chairman, the general director and the head of the Control Commission; and 2 part-time members being a Vice-Minister of Finance and a Deputy Governor of the State Bank.
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a/ He/she gets a decision on retirement, job transfer or other posting;
b/ He/she asks for resignation with plausible reasons;
c/ He/she is no longer capable of performing his/her duty;
d/ He/she has breached law or DIV’s Charter.
3. The chairman of the Managing Board shall have to organize the performance of tasks and exercise of powers of the Managing Board as prescribed in Article 12 of this Charter.
4. Working regime of the Managing Board:
a/ The Managing Board adopts the collective working regime and regularly meets at least once a quarter to consider and decide matters within its tasks and powers. When necessary, the Managing Board may hold extraordinary meetings at the request of its chairman or the general director, or the head of the Control Commission or at the request of other member(s), with the consent of the chairman;
b/ The chairman of the Managing Board shall convene and chair all its meetings. In case of his absence with plausible reasons, the chairman may authorize another member of the Managing Board to convene and chair a meeting. Where a meeting is necessary but cannot be held, the chairman of the Managing Board may ask for written opinions of the other members;
c/ All meetings of the Managing Board must be attended by at least 4/5 of the total of its members;
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If a member of the Managing Board disagrees with the Managing Board’s resolution(s) or decision(s), he/she may reserve his/her opinion but still has to abide by such resolution(s) or decision(s) and can report such to the competent State agency for settlement.
The contents and conclusions of a meeting of the Managing Board must be recorded in a minutes signed by the meeting’s chairman as well as the head of the Control Commission or another member of the Managing Board who is present at the meeting;
e/ When DIV’s Managing Board meets to consider issues related to different ministries and/or branches, it may invite competent representatives of such ministries or branches to attend the meeting;
f/ The resolutions and decisions of the Managing Board shall be binding to all units (departments and sections at the head office in Hanoi, branches and representative offices) and individuals within DIV;
g/ The expenses for operations of the Managing Board, the Control Commission as well as the assisting section of the Managing Board, including wages, allowances and other operational expenses, shall be accounted into DIV’s managerial costs. The general director shall ensure necessary working conditions and facilities for the Managing Board, the Control Commission and the assisting section.
5. The Managing Board shall use the DIV’s executive apparatus and seal to perform its tasks.
Article 14.- Assisting section of the Managing Board
The Managing Board shall set up an assisting section composed of no more than 5 full-time and a number of part-time cadres who shall assist the part-time members of the Managing Board. The chairman of the Managing Board shall decide, select, replace, reward or discipline the personnel and determine the functions as well as tasks for the assisting section of the Managing Board.
Article 15.- Interests and responsibilities of members of the Managing Board
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2. The members of the Managing Board must not:
a/ Abuse their positions for self-seeking or commit acts of appropriating operational opportunities and causing harm to DIV’s interests;
b/ Act beyond their competence provided for in this Charter.
3. The chairman of the Managing Board and the general director of DIV are not allowed to:
a/ Set up enterprises in their own names, and take part in the management and administration of such enterprises;
b/ Establish, in the name of DIV, relations through economic contracts with private enterprises, limited liability companies, joint-stock companies or partnerships where their husbands, wives, parents or offspring hold the managerial or executive positions.
4. The wives, husbands, parents, offspring and siblings of the chairman or members of DIV’s Managing Board or general director are not allowed to hold the positions of chief accountant and cashier of DIV.
5. Members of the Managing Board shall take responsibility before law for resolutions and decisions of the Managing Board. Any member who fails to fulfil his/her assigned tasks, violates the Charter, makes wrong or ultra vires decisions or abuses his/her powers, thus causing harm to DIV’s operations and the State, shall have to take responsibility and pay material compensation for the damage he/she has caused according to the provisions of law.
Article 16.- Control Commission
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2. A member of the Control Commission must not be the wife, husband, father, mother, offspring or sibling of the general director, deputy general director or chief accountant of DIV. Such members must not concurrently hold any positions in DIV’s executive apparatus.
3. Members of the Control Commission must fully meet the following criteria:
a/ Having been trained in the fields of accountancy, auditing, economics, insurance, finance or banking and having law knowledge;
b/ Having worked in the above-mentioned fields for not less than 5 years;
c/ Having no criminal records.
4. A term of a Control Commission member is 5 years. The Control Commission members may be re-appointed. During their work, if failing to fulfil their tasks, they shall be replaced.
5. Wages and bonuses of the Control Commission members shall comply with the provisions of the wage and bonus regime prescribed for DIV.
a/ To inspect and supervise the observance of undertakings, resolutions and decisions of the Managing Board and laws in the DIV’s operations, with a view to raising the efficiency of DIV’s operations, ensuring safety for the State’s assets as well as interests of the DIV and the deposit insured; to regularly report to the Managing Board on the results of inspection and supervision, and propose handling measures;
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c/ To consider complaints of organizations and individuals, which are related to DIV’s operations before submitting them to the Managing Board for settlement;
d/ To use DIV’s internal control apparatus and working facilities to perform its tasks;
e/ To perform other tasks assigned by the Managing Board.
Section II. GENERAL DIRECTOR AND ASSISTING APPARATUS
Article 18.- General director and assisting apparatus
1. The general director shall represent the legal person of DIV, take responsibility before the Managing Board and law for the administration of DIV’s operations.
2. The deputy general directors shall assist the general director in running one or a number of fields of operation of DIV under the general director’s assignment and be answerable to the general director.
3. DIV’s office, its professional and specialized departments and sections shall have the function of advising and assisting the Managing Board and the general director in managing and running the work.
Article 19.- Tasks and powers of the general director
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2. To efficiently use and develop capital under the plan approved by the Managing Board.
3. To elaborate DIV’s deposit insurance development strategy and annual operation plan, projects on cooperation with foreign countries and plan on economic partnership, submit them to the Managing Board and the competent State authorities and organize the implementation thereof when they are ratified.
4. To administer the DIV’s operations and take responsibility for its operations’ results.
5. To work out and submit to the Managing Board for ratification the regulations, labor and wage norms in conformity with the general regulations of the State.
6. To propose the Managing Board to appoint, dismiss, reward or discipline the directors of DIV’s branches or representative offices. To decide the appointment, dismissal, reward or discipline of the heads and deputy heads of DIV’s departments and sections as well as the deputy directors of DIV’s branches or representative offices.
7. To submit to the Managing Board the organizational model together with the apparatus staff and adjustment plan therefor in case of any changes, and organize the realization thereof after they are ratified. To issue the Regulation on organization and operation of the branches and representative offices after it is ratified by the Managing Board.
8. To submit to the Managing Board for ratification the regulations on commendation and discipline applicable within DIV.
9. To organize the administration of DIV’s operations according to the resolutions and decisions of the Managing Board; to report to the Managing Board and the competent State agencies on the results of DIV’s operations.
10. To refuse and denounce all requests of any individuals or organizations to supply resources not prescribed by law, except for voluntary contributions for charity and public-utility purposes.
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12. To submit to the inspection and supervision of the performance of his/her executive tasks by the Managing Board, the Control Commission and the competent State bodies.
13. To decide the application of measures beyond his/her jurisdiction in urgent cases (the deposit insured become insolvent due to natural calamities, enemy sabotage, fires or incidents) and take responsibility for such decisions; then to report immediately such to the Managing Board and the competent State bodies.
14. To exercise other rights prescribed by law.
Section III. BRANCHES, REPRESENTATIVE OFFICES
2. The branches and representative offices shall be the dependent cost-accounting units that have their own seals and be entitled to open their own accounts at the State Bank, State-run credit institutions or State Treasury.
FINANCE OF DEPOSIT INSURANCE OF VIETNAM
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A fiscal year of DIV starts on January 1st and ends on December 31 of the solar year.
Article 22.- Operating capital
1. DIV’s operating capital includes:
a/ The charter capital of 1,000 billion VND, allocated by the State;
b/ The capital source added annually from the collected deposit insurance premium amount;
c/ The other capital sources.
2. DIV is not allowed to use its operating capital for purposes contrary to the provisions of law.
3. In case of an increase or decrease of its operating capital, DIV must make the prompt adjustment in its balance sheet and report to the competent State agency on its actually adjusted capital amount.
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1. To operate on the principle of financial autonomy and self-balancing of its revenues and expenditures, ensuring safety and development of the operating capital.
2. To take responsibility for the payment of debts and fulfillment of other financial commitments (if any) of DIV.
3. To effect the accountancy accounting according to the system of accounting accounts prescribed by the Finance Ministry.
4. To take responsibility for elaboration of DIV’s financial plans, financial statements and balance sheet as prescribed by law.
5. To strictly abide by the Ordinance on Accounting and Statistics.
6. To submit to the inspection and supervision of its finance and business activities by the competent State bodies as prescribed by law.
7. To effect the wage and remuneration regime as well as the expenditure of wage nature of DIV according to the Prime Minister’s decision at the proposal of the Ministry of Labor, War Invalids and Social Affairs and opinions of DIV’s Managing Board.
8. DIV’s financial regime shall be decided by the Prime Minister based on the proposal of the Finance Ministry and opinions of the State Bank.
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Article 25.- DIV’s relationship with the Finance Ministry
1. To submit to the State management by the Finance Ministry over its the observance of the financial and accounting regimes as well as the organization of its accounting and accountancy apparatus.
2. To submit to the management by the Finance Ministry which shall act in its capacity as the agency assigned by the Government to perform a number of functions of the owner in the following domains:
a/ To determine capital and other resources assigned by the State to DIV for management and use;
b/ To inspect the efficient use and development of capital and other resources assigned to DIV in its operation process;
c/ To examine and inspect the contents of the annual financial statements and final account settlements.
3. To submit to examination and inspection of other matters which fall under the competence of the Finance Ministry.
4. To be entitled to propose solutions to financial mechanisms and policies related to DIV.
Article 26.- DIV’s relationship with the Vietnam State Bank
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a/ The observance of the regulations on deposit insurance;
b/ The implementation of other relevant contents prescribed by the State Bank Governor;
2. To obey to and coordinate with the latter in a number of domains:
a/ The supervision and inspection of the deposit insured;
b/ The regime of information and reporting on matters related to the deposit insurance activities as prescribed in the Government’s Decree on deposit insurance;
c/ The application of measures to handle the deposit insured.
Article 27.- The Prime Minister authorizes the State Bank Governor:
1. To supervise operations of DIV’s Managing Board and have the competence:
a/ To attend the Managing Board’s meetings when necessary;
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2. To perform a number of other specific tasks assigned by the Prime Minister.
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FOR THE PRIME MINISTER
DEPUTY PRIME MINISTER
Nguyen Tan Dung
Decision No. 75/2000/QD-TTg of June 28, 2000 ratifying the organization and operation charter of Vietnam Deposit Insurance
- Số hiệu: 75/2000/QD-TTg
- Loại văn bản: Quyết định
- Ngày ban hành: 28/06/2000
- Nơi ban hành: Thủ tướng Chính phủ
- Người ký: Nguyễn Tấn Dũng
- Ngày công báo: Đang cập nhật
- Số công báo: Đang cập nhật
- Ngày hiệu lực: Kiểm tra
- Tình trạng hiệu lực: Kiểm tra