Nội dung toàn văn Official Dispatch No. 2956/NHNN-CSTT On controlling the credit activity in 2011
STATE BANK OF VIETNAM | SOCIALIST REPUBLIC OF VIET NAM |
No: 2956/NHNN-CSTT | Hanoi, April 14, 2011 |
To: | - Credit Institutions |
In order to control the credit activity in 2011 in line with the Resolution No. 11/NQ-CP dated 24 February 2011 of the Government and the Directive No. 01/CT-NHNN dated 01 March 2011 of the Governor of the State Bank on implementation of key solutions of focusing on inflation restraint, macro-economic stability and ensuring social security; the State Bank of Vietnam hereby requires credit institutions and foreign bank’s branches (hereinafter collectively referred to as credit institutions) as follows:
1. To prepare a plan and observe the credit growth rate at less than 20% in 2011 (including the price adjustment factor) under the Resolution No. 11/NQ-CP Credit extension as provided for in Paragraph 14 Article 14 of the Law on Credit Institutions shall include such operations as lending, discount, finance leasing, factoring, bank guarantee and other operations of credit extension.
On the basis of the annual 2011 credit growth plan, credit institutions shall prepare and observe credit growth plan for specific quarters; assigning the both annual 2011 and quarterly credit growth plans to their Branches (Transaction departments), at the same time sending to the State Bank’s branches in provinces, cities where the Branches (Transaction departments) operate for performance of state management function to the local credit activity.
A report on several norms of the 2011 business plan shall be sent to the State Bank of Vietnam (Monetary Policy Department) prior to 22 April 2011 in accordance with the forms attached to this Official Dispatch.
2. To reduce the rate and proportion of loan to non-production areas and apply the required reserve ratio in line with provisions in Point b Paragraph 2 of the Directive No. 01/CT-NHNN:
- Providing loans to non-production areas shall include: loan, discount of valuable paper for securities investment and dealing; loan for real estates investment and dealing; loan to capital demand for serving life, loan through the issuance and use of credit card (collectively referred to as consumer loan).
- A report on loan to non-production areas shall be sent to the State Bank of Vietnam (Monetary Policy Department) on the 12th of the month following the reporting month at the latest in accordance with 04 forms attached to this Official Dispatch (contents of these forms are in accordance with provisions of the State Bank at the Circular No. 21/2010/TT-NHNN dated 08 October 2011 providing for the statistic reporting applicable to units of the State Bank and credit institutions, foreign bank’s branches and the Circular No. 12/2010/TT-NHNN dated 14 April 2010 on guiding the credit institutions to provide VND loan to their customers at agreement interest rate).
- In the event where by 12 July 2011 and 12 January 2012, the State Bank has not received fully reports on loan to non-production areas of June and December 2011, it shall determine the proportion of outstanding loan to non-production areas according to the outstanding loan data of May and November 2011 as a basis for applying the required reserve ratio in conformity with provisions in Point b Paragraph 2 of the Directive No. 01/CT-NHNN.
| FOR THE GOVERNOR OF THE STATE BANK |
Name of CI:……………
REPORT ON SEVERAL NORMS OF THE 2011 BUSINESS PLAN
Unit: VND billion, %
Norm | 2011 plan | |
Balance (VND billion) | Percentage of increase/decrease over 31/1/2010 (%) | |
1. Capital mobilized from domestic institutions (except for CIs) and inhabitants |
|
|
2. Capital mobilized from foreign countries |
|
|
3. Credit outstanding |
|
|
Of which: Outstanding loan |
|
|
4. Proportion of outstanding loan to non-production areas over the total outstanding loan to customers (%) |
|
|
- Up to 30/6/2011 |
|
|
- Up to 31/12/2011 |
|
|
| ….., date ………. |
Drawer | General Director |
Instructions to the preparation of report:
1. Norm 2: shall include deposits of entities and non-residents, deposits of overseas banks, loans from foreign banks
2. Subject of application: Credit institutions and foreign bank’s branches (excluding local People’s credit funds)
3. Report recipient: Monetary Policy Department – SBV (email: [email protected]; fax: 04. 38246953)
4. Reporting time: On 22 April 2011 at the latest
5. To state full name and phone number of the drawer for answering details of the report
6. In the implementation, if there is any difficulty, please to contact via following phone numbers: 04. 38246955/04. 38259158
Name of Credit Institution: ……………………….
FORM 1: REPORT ON THE RESULT OF LENDING, DISCOUNT OF VALUABLE PAPER FOR SECURITIES INVESTMENT AND DEALING
Unit: VND billion, %
Norm | Balance (VND billion) | Percentage of increase/decrease over the previous month (%) |
I. Outstanding of loan, discount |
|
|
1. Classified by term of loan, discount |
|
|
- Short term |
|
|
- Medium term |
|
|
- Long term |
|
|
2. Classified by demand for loan fund, discount |
|
|
- Loan, discount of valuable paper to securities companies |
|
|
- Loan mortgaged by securities and/or secured by other assets to customers who use loan fund for buying securities |
|
|
- Loan as advance to customers who already sold securities and use loan fund for buying securities |
|
|
- Loan to customers for supplementing the deficient amount upon securities buy order being matched |
|
|
- Loan to labourers for buying first issued shares upon transforming from a state-owned company to a joint stock company |
|
|
- Loan for capital contribution, buying share from joint stock companies, buying fund certificate from investment funds |
|
|
- Discount of valuable paper for customers who shall use the discounted amount for buying securities |
|
|
- Loan and discount of valuable paper in other forms where the customer shall use such amount for buying securities |
|
|
II. Ratio of bad debt in loans, discount of valuable papers for securities investment and dealing over the total outstanding of loans, discount of valuable papers for securities investment and dealing (%) |
|
|
III. Ratio of outstanding loans for securities investment and dealing over the charter capital of the CI (%) |
|
|
| ….., date ………. |
Drawer | General Director |
Instructions to the preparation of report:
1. Norm of outstanding loan in item I = (1) = (2)
2. Subject of application: Credit institutions and foreign bank’s branches (excluding local People’s credit funds)
3. Report recipient: Monetary Policy Department – SBV (email: [email protected]; fax: 04. 38246953)
4. Reporting time: On a monthly basis, on the 12th of the month following the reporting month at the latest
5. To state full name and phone number of the drawer for answering details of the report
6. In the implementation, if there is any difficulty, please to contact via following phone numbers: 04. 38246955/04. 38259158
Name of Credit Institution: ……………………………
FORM 2: REPORT ON LOANS TO REAL ESTATES INVESTMENT, DEALING
(MONTH ……. YEAR …….)
Unit: VND billion, Percent
Norm | Balance (VND billion) | Percentage of increase/decrease over the previous month (%) |
I. Outstanding loan to the real estates investment, dealing |
|
|
1. Classified by the loan term |
|
|
- Short term |
|
|
- Medium, long term |
|
|
2. Classified by the demand for loan capital (to list the entire expenses relating to each demand for loan capital, including: Land, house, construction works tied to land, including asset tied to that house, construction work; other assets tied to land) |
|
|
- Construction of industrial zones, export processing zones |
|
|
- Construction of urban zones |
|
|
- Construction of offices, buildings for lease |
|
|
- Construction, repair and purchase of residential houses, house for residence in combination with for lease, which shall be repaid from the sources of income by the customers |
|
|
- Construction, repair and purchase of house for sale, for lease |
|
|
- Purchase of the land use right |
|
|
- Other real estate investments, dealings |
|
|
3. Classified by location of real estate loan (to state by the location of the real estates) |
|
|
- Hanoi |
|
|
- Hai Phong |
|
|
- Da Nang |
|
|
- Hochiminh city |
|
|
- Can Tho |
|
|
- Other regions |
|
|
II. Ratio of non-performing loans for the real estate investment, dealing over the total outstanding loans to the real estates investment, dealing (%) |
|
|
III. Proportion of outstanding credit to the real estate investment, dealing over the total outstanding loans (%) |
|
|
| ….., date ………. |
Drawer | General Director |
Instructions to the preparation of report:
1. Norm of outstanding loan in item I = (1) = (2) = (3)
2. Subject of application: Credit institutions and foreign bank’s branches (excluding local People’s credit funds)
3. Report recipient: Monetary Policy Department – SBV (email: [email protected]; fax: 04. 38246953)
4. Reporting time: On a monthly basis, on the 12th of the month following the reporting month at the latest
5. To state full name and phone number of the drawer for answering details of the report
6. In the implementation, if there is any difficulty, please to contact via following phone numbers: 04. 38246955/04. 38259158
Name of Credit Institution: ………………..
FORM 3: REPORT ON CONSUMER LOAN
Month …. Year….
Unit: VND billion, %
Norm | Balance (VND billion) | Percentage of increase/decrease over the previous month (%) |
1. Loan to capital demands for serving life: |
|
|
- Loan for repair and purchase of residential house, for which the source of debt repayment is the customer's salary, wage |
|
|
- Loan for purchasing means of transport |
|
|
- Loan for covering the study and disease treatment expenses |
|
|
- Loan for purchasing furniture and household appliances |
|
|
- Loan for covering expenses on cultural, sport, tourism activities |
|
|
- Loan in the form of overdraft from the personal account |
|
|
2. Outstanding loans through the issuance and use of credit card |
|
|
3. Total outstanding loans to capital demands for serving life, loan through the issuance and use of credit card (3= 1+2) |
|
|
4. Ratio of non-performing loans to capital demands for serving life, loans through the issuance and use of credit card over the total outstanding loans to capital demands for serving life, loans through the issuance and use of credit card (%) |
|
|
| ….., date ………. |
Drawer | General Director |
Instructions to the preparation of report:
1. Subject of application: Credit institutions and foreign bank’s branches (excluding local People’s credit funds)
2. Report recipient: Monetary Policy Department – SBV (email: [email protected]; fax: 04. 38246953)
3. Reporting time: On a monthly basis, on the 12th of the month following the reporting month at the latest
4. To state full name and phone number of the drawer for answering details of the report
5. In the implementation, if there is any difficulty, please to contact via following phone numbers: 04. 38246955/04. 38259158
Name of Credit Institution: ………………………….
FORM 4. REPORT ON THE RATIO OF OUTSTANDING LOAN TO NON-PRODUCTION AREAS UNDER THE DIRECTIVE NO. 01/CT-NHNN DATED 01 MARCH 2011
Month … Year…..
Unit: VND billion, %
Norm | Data |
1. Total outstanding credit (VND billion) |
|
Of which: total outstanding loan to customers |
|
2. Total outstanding loan to non-production areas (VND billion) |
|
Of which: |
|
- Loan, discount of valuable paper for securities investment, dealing |
|
- Loan for real estates investment, dealing |
|
- Consumer loan |
|
3. Ratio of outstanding loan to non-production areas over total outstanding loan to customers (%) |
|
| ….., date ………. |
Drawer | General Director |
Instructions to the preparation of report:
1. Subject of application: Credit institutions and foreign bank’s branches (excluding local People’s credit funds)
2. Report recipient: Monetary Policy Department – SBV (email: [email protected]; fax: 04. 38246953)
3. Reporting time: On a monthly basis, on the 12th of the month following the reporting month at the latest
4. To state full name and phone number of the drawer for answering details of the report
5. In the implementation, if there is any difficulty, please to contact via following phone numbers: 04. 38246955/04. 38259158
